Home > Center National Bank > Performance and Condition Ratios
Center National Bank, 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 | 4.7235% | 3,583 |
| Cost of funding earning assets | 1.0667% | 3,920 |
| Net interest margin | 3.6568% | 1,950 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 2.5928% | 2,037 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 1.1597% | 1,827 |
| Return on assets (ROA) | 1.1547% | 1,844 |
| Pretax return on assets | 1.1547% | 2,351 |
| Return on Equity (ROE) | 13.3000% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.3318% | 2,483 |
| Net charge-offs to loans | -0.0060% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 68.6437% | 1,973 |
| Assets per employee ($millions) | 6.6484% | 2,467 |
| Cash dividends to net income (ytd only)* | 59.9144% | 1,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 3,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 53.8400% | 3,355 |
| Net loans and leases to deposits | 59.9404% | 3,486 |
| Net loans and leases to core deposits | 66.3444% | 3,458 |
| Total domestic deposits to total assets | 89.8100% | 879 |
| Equity capital to assets | 8.7873% | 3,085 |
| Core capital (leverage) ratio | 10.2957% | 2,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8915% | 774 |
| Memoranda: | ||
| Average total assets | $242,830,500 | 2,767 |
| Average earning assets | $229,491,000 | 2,744 |
| Average equity | $21,081,000 | 2,945 |
| Average total loans | $133,136,500 | 2,912 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 3,508 |
| Cost of funding earning assets | 1.2712% | 3,717 |
| Net interest margin | 3.4841% | 2,118 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 2.6457% | 1,880 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.0090% | 2,021 |
| Return on assets (ROA) | 1.0095% | 2,022 |
| Pretax return on assets | 1.0095% | 2,505 |
| Return on Equity (ROE) | 12.1300% | 1,578 |
| Retained earnings to average equity (ytd only) | 0.8742% | 3,713 |
| Net charge-offs to loans | -0.0007% | 3,722 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 71.9438% | 1,775 |
| Assets per employee ($millions) | 6.1454% | 2,763 |
| Cash dividends to net income (ytd only)* | 92.7957% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 3,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 54.7900% | 3,352 |
| Net loans and leases to deposits | 61.0577% | 3,485 |
| Net loans and leases to core deposits | 65.4188% | 3,560 |
| Total domestic deposits to total assets | 89.7300% | 905 |
| Equity capital to assets | 8.5726% | 3,136 |
| Core capital (leverage) ratio | 10.0205% | 2,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4786% | 827 |
| Memoranda: | ||
| Average total assets | $242,011,400 | 2,749 |
| Average earning assets | $229,155,600 | 2,718 |
| Average equity | $20,132,200 | 2,961 |
| Average total loans | $135,033,600 | 2,867 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6554% | 3,628 |
| Cost of funding earning assets | 1.2669% | 3,721 |
| Net interest margin | 3.3885% | 2,252 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.6617% | 1,774 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.9184% | 2,320 |
| Return on assets (ROA) | 0.9167% | 2,326 |
| Pretax return on assets | 0.9167% | 2,769 |
| Return on Equity (ROE) | 11.1000% | 1,866 |
| Retained earnings to average equity (ytd only) | 0.2596% | 3,902 |
| Net charge-offs to loans | -0.0069% | 3,927 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 73.8938% | 1,603 |
| Assets per employee ($millions) | 6.4498% | 2,540 |
| Cash dividends to net income (ytd only)* | 97.6619% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,439 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 55.7400% | 3,281 |
| Net loans and leases to deposits | 62.3074% | 3,461 |
| Net loans and leases to core deposits | 70.4419% | 3,365 |
| Total domestic deposits to total assets | 89.4600% | 759 |
| Equity capital to assets | 8.8244% | 3,159 |
| Core capital (leverage) ratio | 10.1679% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9089% | 934 |
| Memoranda: | ||
| Average total assets | $242,596,750 | 2,743 |
| Average earning assets | $230,695,250 | 2,705 |
| Average equity | $20,028,750 | 2,967 |
| Average total loans | $135,649,750 | 2,861 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5957% | 3,646 |
| Cost of funding earning assets | 1.2334% | 3,738 |
| Net interest margin | 3.3623% | 2,273 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.6629% | 1,781 |
| Loan and lease loss provision to assets | 0.0200% | 2,508 |
| Net operating income to assets | 0.9091% | 2,281 |
| Return on assets (ROA) | 0.9042% | 2,298 |
| Pretax return on assets | 0.9042% | 2,756 |
| Return on Equity (ROE) | 11.2100% | 1,820 |
| Retained earnings to average equity (ytd only) | -1.4567% | 4,106 |
| Net charge-offs to loans | -0.0104% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.1193% | 1,631 |
| Assets per employee ($millions) | 5.7650% | 3,004 |
| Cash dividends to net income (ytd only)* | 112.9918% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 3,496 |
| Loan loss allowance to noncurrent loans | 11,781.8182% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,780 |
| Noncurrent loans to loans | 0.0081% | 3,728 |
| Net loans and leases to total assets | 56.9400% | 3,190 |
| Net loans and leases to deposits | 63.1777% | 3,409 |
| Net loans and leases to core deposits | 71.3533% | 3,298 |
| Total domestic deposits to total assets | 90.1200% | 673 |
| Equity capital to assets | 8.2876% | 3,239 |
| Core capital (leverage) ratio | 9.9962% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9464% | 1,090 |
| Memoranda: | ||
| Average total assets | $241,764,333 | 2,744 |
| Average earning assets | $230,260,000 | 2,699 |
| Average equity | $19,495,667 | 2,979 |
| Average total loans | $134,885,000 | 2,859 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 3,851 |
| Cost of funding earning assets | 1.1621% | 3,790 |
| Net interest margin | 3.2268% | 2,506 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.6327% | 1,866 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.7903% | 2,574 |
| Return on assets (ROA) | 0.7919% | 2,579 |
| Pretax return on assets | 0.7919% | 2,947 |
| Return on Equity (ROE) | 9.9500% | 2,150 |
| Retained earnings to average equity (ytd only) | -4.0928% | 4,083 |
| Net charge-offs to loans | -0.0208% | 4,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.5461% | 1,492 |
| Assets per employee ($millions) | 5.7785% | 3,014 |
| Cash dividends to net income (ytd only)* | 141.1157% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 3,471 |
| Loan loss allowance to noncurrent loans | 11,700.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 3,808 |
| Noncurrent loans to loans | 0.0082% | 3,739 |
| Net loans and leases to total assets | 55.8600% | 3,207 |
| Net loans and leases to deposits | 61.7768% | 3,417 |
| Net loans and leases to core deposits | 69.6726% | 3,354 |
| Total domestic deposits to total assets | 90.4300% | 663 |
| Equity capital to assets | 8.1560% | 3,259 |
| Core capital (leverage) ratio | 10.0626% | 2,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1862% | 907 |
| Memoranda: | ||
| Average total assets | $244,464,500 | 2,734 |
| Average earning assets | $232,676,000 | 2,692 |
| Average equity | $19,449,000 | 2,997 |
| Average total loans | $134,388,000 | 2,861 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 3,716 |
| Cost of funding earning assets | 0.7154% | 3,912 |
| Net interest margin | 3.4389% | 2,325 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.4509% | 2,439 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.1328% | 1,821 |
| Return on assets (ROA) | 1.1444% | 1,768 |
| Pretax return on assets | 1.1475% | 2,269 |
| Return on Equity (ROE) | 15.9300% | 1,106 |
| Retained earnings to average equity (ytd only) | 0.5562% | 3,946 |
| Net charge-offs to loans | 0.0015% | 2,781 |
| Credit loss provision to net charge-offs | 450.0000% | 724 |
| Earnings coverage of net charge-offs (x) | 1,482.0000% | 107 |
| Efficiency ratio | 68.0741% | 2,100 |
| Assets per employee ($millions) | 6.3003% | 2,552 |
| Cash dividends to net income (ytd only)* | 96.5097% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 3,618 |
| Loan loss allowance to noncurrent loans | 11,400.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 3,788 |
| Noncurrent loans to loans | 0.0081% | 3,714 |
| Net loans and leases to total assets | 53.1300% | 3,407 |
| Net loans and leases to deposits | 58.5072% | 3,607 |
| Net loans and leases to core deposits | 65.2023% | 3,533 |
| Total domestic deposits to total assets | 90.8000% | 556 |
| Equity capital to assets | 7.7675% | 3,564 |
| Core capital (leverage) ratio | 9.7011% | 3,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0111% | 914 |
| Memoranda: | ||
| Average total assets | $257,861,800 | 2,635 |
| Average earning assets | $244,323,400 | 2,607 |
| Average equity | $18,519,800 | 2,971 |
| Average total loans | $131,598,600 | 2,850 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 3,709 |
| Cost of funding earning assets | 0.6425% | 3,894 |
| Net interest margin | 3.4271% | 2,402 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 2.4175% | 2,472 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0792% | 2,119 |
| Return on assets (ROA) | 1.0869% | 2,081 |
| Pretax return on assets | 1.1620% | 2,385 |
| Return on Equity (ROE) | 15.4400% | 1,363 |
| Retained earnings to average equity (ytd only) | -1.6360% | 4,297 |
| Net charge-offs to loans | -0.0071% | 3,837 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.3542% | 2,092 |
| Assets per employee ($millions) | 6.1939% | 2,570 |
| Cash dividends to net income (ytd only)* | 110.5960% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,486 |
| Loan loss allowance to noncurrent loans | 7,166.6667% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 3,782 |
| Noncurrent loans to loans | 0.0136% | 3,697 |
| Net loans and leases to total assets | 52.9400% | 3,429 |
| Net loans and leases to deposits | 57.8255% | 3,615 |
| Net loans and leases to core deposits | 64.1061% | 3,520 |
| Total domestic deposits to total assets | 91.5500% | 547 |
| Equity capital to assets | 6.9903% | 3,615 |
| Core capital (leverage) ratio | 9.6726% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1652% | 927 |
| Memoranda: | ||
| Average total assets | $259,324,250 | 2,633 |
| Average earning assets | $245,913,500 | 2,601 |
| Average equity | $18,256,000 | 2,983 |
| Average total loans | $130,713,500 | 2,858 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,658 |
| Cost of funding earning assets | 0.5841% | 3,791 |
| Net interest margin | 3.4292% | 2,450 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.3421% | 2,674 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1970% | 1,840 |
| Return on assets (ROA) | 1.2060% | 1,806 |
| Pretax return on assets | 1.2121% | 2,326 |
| Return on Equity (ROE) | 17.0900% | 1,088 |
| Retained earnings to average equity (ytd only) | -1.0125% | 4,220 |
| Net charge-offs to loans | -0.0061% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.6443% | 2,295 |
| Assets per employee ($millions) | 6.2518% | 2,504 |
| Cash dividends to net income (ytd only)* | 105.9231% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,322 |
| Loan loss allowance to noncurrent loans | 12,292.3077% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 3,819 |
| Noncurrent loans to loans | 0.0100% | 3,716 |
| Net loans and leases to total assets | 51.5700% | 3,443 |
| Net loans and leases to deposits | 56.3604% | 3,622 |
| Net loans and leases to core deposits | 62.4218% | 3,520 |
| Total domestic deposits to total assets | 91.5100% | 506 |
| Equity capital to assets | 7.2959% | 3,639 |
| Core capital (leverage) ratio | 9.5217% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3266% | 910 |
| Memoranda: | ||
| Average total assets | $263,180,000 | 2,618 |
| Average earning assets | $248,921,667 | 2,587 |
| Average equity | $18,568,333 | 2,980 |
| Average total loans | $130,136,667 | 2,861 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9168% | 3,639 |
| Cost of funding earning assets | 0.5026% | 3,676 |
| Net interest margin | 3.4142% | 2,595 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.3430% | 2,692 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.1435% | 2,091 |
| Return on assets (ROA) | 1.1537% | 2,021 |
| Pretax return on assets | 1.1656% | 2,524 |
| Return on Equity (ROE) | 16.6200% | 1,239 |
| Retained earnings to average equity (ytd only) | -5.3604% | 4,344 |
| Net charge-offs to loans | -0.0062% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.5543% | 2,148 |
| Assets per employee ($millions) | 6.7449% | 2,154 |
| Cash dividends to net income (ytd only)* | 132.2622% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,411 |
| Loan loss allowance to noncurrent loans | 12,161.5385% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 3,852 |
| Noncurrent loans to loans | 0.0101% | 3,753 |
| Net loans and leases to total assets | 48.3900% | 3,602 |
| Net loans and leases to deposits | 52.7714% | 3,752 |
| Net loans and leases to core deposits | 58.1971% | 3,618 |
| Total domestic deposits to total assets | 91.7000% | 592 |
| Equity capital to assets | 7.2773% | 3,688 |
| Core capital (leverage) ratio | 8.8338% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2780% | 952 |
| Memoranda: | ||
| Average total assets | $269,734,000 | 2,615 |
| Average earning assets | $253,881,000 | 2,587 |
| Average equity | $18,730,000 | 3,000 |
| Average total loans | $129,919,000 | 2,890 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1578% | 3,893 |
| Cost of funding earning assets | 0.2347% | 3,466 |
| Net interest margin | 2.9232% | 3,624 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.1551% | 3,143 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1101% | 2,125 |
| Return on assets (ROA) | 1.1080% | 2,073 |
| Pretax return on assets | 1.1766% | 2,515 |
| Return on Equity (ROE) | 14.8600% | 1,295 |
| Retained earnings to average equity (ytd only) | 4.5305% | 3,226 |
| Net charge-offs to loans | 0.0201% | 1,689 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 127.8400% | 858 |
| Efficiency ratio | 64.6421% | 2,410 |
| Assets per employee ($millions) | 6.9105% | 2,037 |
| Cash dividends to net income (ytd only)* | 69.5073% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 2,412 |
| Loan loss allowance to noncurrent loans | 12,038.4615% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 3,874 |
| Noncurrent loans to loans | 0.0099% | 3,774 |
| Net loans and leases to total assets | 46.8100% | 3,745 |
| Net loans and leases to deposits | 50.5354% | 3,873 |
| Net loans and leases to core deposits | 53.0962% | 3,861 |
| Total domestic deposits to total assets | 92.6300% | 483 |
| Equity capital to assets | 6.6266% | 3,852 |
| Core capital (leverage) ratio | 9.0787% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6216% | 1,035 |
| Memoranda: | ||
| Average total assets | $271,123,400 | 2,601 |
| Average earning assets | $258,657,400 | 2,554 |
| Average equity | $20,218,600 | 2,937 |
| Average total loans | $124,480,200 | 2,885 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9512% | 3,981 |
| Cost of funding earning assets | 0.2096% | 3,156 |
| Net interest margin | 2.7416% | 3,852 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1611% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8090% | 3,224 |
| Return on assets (ROA) | 0.8040% | 3,206 |
| Pretax return on assets | 0.8050% | 3,563 |
| Return on Equity (ROE) | 10.4800% | 2,580 |
| Retained earnings to average equity (ytd only) | 2.6352% | 3,880 |
| Net charge-offs to loans | -0.0163% | 3,907 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.7379% | 1,417 |
| Assets per employee ($millions) | 7.0186% | 1,929 |
| Cash dividends to net income (ytd only)* | 74.8617% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.1900% | 3,689 |
| Net loans and leases to deposits | 50.7852% | 3,801 |
| Net loans and leases to core deposits | 53.3763% | 3,785 |
| Total domestic deposits to total assets | 92.9200% | 602 |
| Equity capital to assets | 6.3406% | 3,824 |
| Core capital (leverage) ratio | 8.9585% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4741% | 1,092 |
| Memoranda: | ||
| Average total assets | $269,799,750 | 2,625 |
| Average earning assets | $258,868,500 | 2,580 |
| Average equity | $20,694,000 | 2,932 |
| Average total loans | $122,859,500 | 2,901 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7996% | 3,978 |
| Cost of funding earning assets | 0.2119% | 2,755 |
| Net interest margin | 2.5877% | 3,934 |
| Noninterest income to average assets | 0.3389% | 3,126 |
| Noninterest expense to average assets | 2.1371% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6838% | 3,365 |
| Return on assets (ROA) | 0.6756% | 3,342 |
| Pretax return on assets | 0.6771% | 3,636 |
| Return on Equity (ROE) | 8.3186% | 2,928 |
| Retained earnings to average equity (ytd only) | 1.0364% | 3,988 |
| Net charge-offs to loans | -0.0250% | 3,973 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7192% | 1,315 |
| Assets per employee ($millions) | 6.7253% | 2,151 |
| Cash dividends to net income (ytd only)* | 87.5413% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.2578% | 3,750 |
| Net loans and leases to deposits | 49.1357% | 3,858 |
| Net loans and leases to core deposits | 53.0649% | 3,753 |
| Total domestic deposits to total assets | 92.1078% | 796 |
| Equity capital to assets | 7.1751% | 3,678 |
| Core capital (leverage) ratio | 8.7758% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9507% | 999 |
| Memoranda: | ||
| Average total assets | $268,491,000 | 2,659 |
| Average earning assets | $257,683,000 | 2,616 |
| Average equity | $21,806,667 | 2,916 |
| Average total loans | $120,222,000 | 2,942 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6783% | 3,986 |
| Cost of funding earning assets | 0.2113% | 2,655 |
| Net interest margin | 2.4670% | 3,962 |
| Noninterest income to average assets | 0.2997% | 3,319 |
| Noninterest expense to average assets | 2.1161% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5487% | 3,562 |
| Return on assets (ROA) | 0.5413% | 3,556 |
| Pretax return on assets | 0.5443% | 3,770 |
| Return on Equity (ROE) | 6.2969% | 3,253 |
| Retained earnings to average equity (ytd only) | -0.2602% | 4,050 |
| Net charge-offs to loans | -0.0371% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3181% | 1,201 |
| Assets per employee ($millions) | 7.0134% | 1,988 |
| Cash dividends to net income (ytd only)* | 104.1322% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.9682% | 3,743 |
| Net loans and leases to deposits | 48.1596% | 3,860 |
| Net loans and leases to core deposits | 51.7385% | 3,751 |
| Total domestic deposits to total assets | 91.2968% | 890 |
| Equity capital to assets | 7.9963% | 3,572 |
| Core capital (leverage) ratio | 9.0908% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4943% | 972 |
| Memoranda: | ||
| Average total assets | $268,230,500 | 2,672 |
| Average earning assets | $257,480,500 | 2,624 |
| Average equity | $23,059,000 | 2,902 |
| Average total loans | $118,656,500 | 2,954 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1944% | 3,480 |
| Cost of funding earning assets | 0.2691% | 2,712 |
| Net interest margin | 2.9253% | 3,384 |
| Noninterest income to average assets | 0.3983% | 3,059 |
| Noninterest expense to average assets | 2.2666% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9287% | 2,945 |
| Return on assets (ROA) | 0.9368% | 2,980 |
| Pretax return on assets | 0.9376% | 3,399 |
| Return on Equity (ROE) | 9.2067% | 2,825 |
| Retained earnings to average equity (ytd only) | 2.4659% | 3,839 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9173% | 1,625 |
| Assets per employee ($millions) | 6.9218% | 1,973 |
| Cash dividends to net income (ytd only)* | 73.2158% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.3202% | 3,888 |
| Net loans and leases to deposits | 48.1063% | 3,989 |
| Net loans and leases to core deposits | 53.1537% | 3,820 |
| Total domestic deposits to total assets | 90.0511% | 936 |
| Equity capital to assets | 9.1895% | 3,432 |
| Core capital (leverage) ratio | 9.4214% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6796% | 941 |
| Memoranda: | ||
| Average total assets | $248,299,800 | 2,741 |
| Average earning assets | $237,480,800 | 2,694 |
| Average equity | $25,264,200 | 2,831 |
| Average total loans | $122,415,600 | 2,928 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3584% | 3,223 |
| Cost of funding earning assets | 0.2820% | 2,775 |
| Net interest margin | 3.0765% | 3,110 |
| Noninterest income to average assets | 0.4073% | 3,049 |
| Noninterest expense to average assets | 2.2836% | 2,797 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0633% | 2,677 |
| Return on assets (ROA) | 1.0710% | 2,713 |
| Pretax return on assets | 1.0721% | 3,262 |
| Return on Equity (ROE) | 10.2499% | 2,645 |
| Retained earnings to average equity (ytd only) | 1.8388% | 4,238 |
| Net charge-offs to loans | -0.0054% | 3,457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2079% | 1,792 |
| Assets per employee ($millions) | 5.7891% | 2,904 |
| Cash dividends to net income (ytd only)* | 82.0605% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.3616% | 3,763 |
| Net loans and leases to deposits | 52.1841% | 3,867 |
| Net loans and leases to core deposits | 58.7300% | 3,570 |
| Total domestic deposits to total assets | 88.8423% | 1,376 |
| Equity capital to assets | 10.3343% | 2,583 |
| Core capital (leverage) ratio | 9.8415% | 2,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3454% | 903 |
| Memoranda: | ||
| Average total assets | $242,887,250 | 2,793 |
| Average earning assets | $232,166,250 | 2,755 |
| Average equity | $25,378,500 | 2,852 |
| Average total loans | $123,386,500 | 2,959 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5800% | 2,687 |
| Cost of funding earning assets | 0.2819% | 2,955 |
| Net interest margin | 3.2981% | 2,441 |
| Noninterest income to average assets | 0.4168% | 3,024 |
| Noninterest expense to average assets | 2.2471% | 2,931 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3196% | 1,806 |
| Return on assets (ROA) | 1.3278% | 1,847 |
| Pretax return on assets | 1.3295% | 2,554 |
| Return on Equity (ROE) | 12.6618% | 1,833 |
| Retained earnings to average equity (ytd only) | 3.5896% | 3,653 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9732% | 2,581 |
| Assets per employee ($millions) | 5.8647% | 2,749 |
| Cash dividends to net income (ytd only)* | 71.6501% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,535 |
| Loan loss allowance to noncurrent loans | 1,621.4286% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 3,980 |
| Noncurrent loans to loans | 0.0790% | 3,790 |
| Net loans and leases to total assets | 50.9482% | 3,456 |
| Net loans and leases to deposits | 57.5345% | 3,588 |
| Net loans and leases to core deposits | 64.1939% | 3,271 |
| Total domestic deposits to total assets | 88.5525% | 1,541 |
| Equity capital to assets | 10.6037% | 2,308 |
| Core capital (leverage) ratio | 9.7510% | 2,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7558% | 1,000 |
| Memoranda: | ||
| Average total assets | $242,802,667 | 2,793 |
| Average earning assets | $232,012,667 | 2,747 |
| Average equity | $25,462,333 | 2,846 |
| Average total loans | $126,409,333 | 2,942 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 2,212 |
| Cost of funding earning assets | 0.2716% | 3,254 |
| Net interest margin | 3.4910% | 1,846 |
| Noninterest income to average assets | 0.4771% | 2,718 |
| Noninterest expense to average assets | 2.2986% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5051% | 1,320 |
| Return on assets (ROA) | 1.5215% | 1,346 |
| Pretax return on assets | 1.5247% | 1,933 |
| Return on Equity (ROE) | 14.5883% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.2784% | 2,484 |
| Net charge-offs to loans | 0.0031% | 1,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 920.0000% | 107 |
| Efficiency ratio | 60.3790% | 2,985 |
| Assets per employee ($millions) | 6.5128% | 2,168 |
| Cash dividends to net income (ytd only)* | 50.1078% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,722 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,309 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 49.8508% | 3,639 |
| Net loans and leases to deposits | 55.8092% | 3,805 |
| Net loans and leases to core deposits | 61.0919% | 3,637 |
| Total domestic deposits to total assets | 89.3236% | 1,160 |
| Equity capital to assets | 9.9350% | 2,764 |
| Core capital (leverage) ratio | 9.9728% | 2,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9914% | 927 |
| Memoranda: | ||
| Average total assets | $243,977,000 | 2,766 |
| Average earning assets | $232,713,000 | 2,723 |
| Average equity | $25,445,000 | 2,843 |
| Average total loans | $127,566,000 | 2,932 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,186 |
| Cost of funding earning assets | 0.4014% | 3,567 |
| Net interest margin | 3.7818% | 1,550 |
| Noninterest income to average assets | 0.5370% | 2,479 |
| Noninterest expense to average assets | 2.4442% | 3,011 |
| Loan and lease loss provision to assets | 0.1691% | 2,269 |
| Net operating income to assets | 1.5059% | 795 |
| Return on assets (ROA) | 1.5188% | 838 |
| Pretax return on assets | 1.5197% | 1,270 |
| Return on Equity (ROE) | 12.8069% | 1,092 |
| Retained earnings to average equity (ytd only) | 4.0689% | 2,782 |
| Net charge-offs to loans | 0.0337% | 2,374 |
| Credit loss provision to net charge-offs | 842.8571% | 865 |
| Earnings coverage of net charge-offs (x) | 83.5238% | 873 |
| Efficiency ratio | 59.3228% | 3,550 |
| Assets per employee ($millions) | 5.9988% | 2,335 |
| Cash dividends to net income (ytd only)* | 68.2290% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 4,367 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 53.5716% | 3,529 |
| Net loans and leases to deposits | 60.7781% | 3,700 |
| Net loans and leases to core deposits | 65.9318% | 3,548 |
| Total domestic deposits to total assets | 88.1430% | 1,411 |
| Equity capital to assets | 10.9658% | 2,282 |
| Core capital (leverage) ratio | 10.6352% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4938% | 975 |
| Memoranda: | ||
| Average total assets | $209,315,400 | 2,866 |
| Average earning assets | $198,316,400 | 2,842 |
| Average equity | $24,822,600 | 2,819 |
| Average total loans | $124,806,400 | 2,928 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 1,780 |
| Cost of funding earning assets | 0.4324% | 3,626 |
| Net interest margin | 3.9943% | 1,129 |
| Noninterest income to average assets | 0.5336% | 2,457 |
| Noninterest expense to average assets | 2.5156% | 2,790 |
| Loan and lease loss provision to assets | 0.0276% | 3,992 |
| Net operating income to assets | 1.7720% | 483 |
| Return on assets (ROA) | 1.7871% | 523 |
| Pretax return on assets | 1.7884% | 798 |
| Return on Equity (ROE) | 14.7497% | 733 |
| Retained earnings to average equity (ytd only) | 5.2488% | 2,453 |
| Net charge-offs to loans | 0.0300% | 2,231 |
| Credit loss provision to net charge-offs | 150.0000% | 2,323 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 801 |
| Efficiency ratio | 58.2789% | 3,628 |
| Assets per employee ($millions) | 5.6594% | 2,569 |
| Cash dividends to net income (ytd only)* | 64.4142% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,853 |
| Loan loss allowance to noncurrent loans | 1,066.9421% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,041 |
| Noncurrent loans to loans | 0.0898% | 4,009 |
| Net loans and leases to total assets | 62.0233% | 3,008 |
| Net loans and leases to deposits | 71.2521% | 3,202 |
| Net loans and leases to core deposits | 77.6480% | 3,044 |
| Total domestic deposits to total assets | 87.0477% | 1,650 |
| Equity capital to assets | 12.0302% | 1,656 |
| Core capital (leverage) ratio | 10.8931% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8113% | 1,082 |
| Memoranda: | ||
| Average total assets | $203,155,750 | 2,893 |
| Average earning assets | $192,403,750 | 2,874 |
| Average equity | $24,614,500 | 2,818 |
| Average total loans | $124,277,250 | 2,942 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 1,297 |
| Cost of funding earning assets | 0.4578% | 3,757 |
| Net interest margin | 4.2852% | 778 |
| Noninterest income to average assets | 0.5000% | 2,560 |
| Noninterest expense to average assets | 2.5525% | 2,818 |
| Loan and lease loss provision to assets | 0.0271% | 3,913 |
| Net operating income to assets | 1.9691% | 352 |
| Return on assets (ROA) | 1.9691% | 392 |
| Pretax return on assets | 1.9711% | 581 |
| Return on Equity (ROE) | 16.2147% | 530 |
| Retained earnings to average equity (ytd only) | 8.4091% | 1,191 |
| Net charge-offs to loans | 0.0116% | 2,545 |
| Credit loss provision to net charge-offs | 385.7143% | 1,433 |
| Earnings coverage of net charge-offs (x) | 284.2857% | 332 |
| Efficiency ratio | 56.0900% | 3,932 |
| Assets per employee ($millions) | 5.2575% | 2,879 |
| Cash dividends to net income (ytd only)* | 48.1387% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,709 |
| Loan loss allowance to noncurrent loans | 894.4828% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 4,192 |
| Noncurrent loans to loans | 0.1085% | 4,021 |
| Net loans and leases to total assets | 61.4014% | 3,177 |
| Net loans and leases to deposits | 70.4811% | 3,383 |
| Net loans and leases to core deposits | 76.7850% | 3,224 |
| Total domestic deposits to total assets | 87.1176% | 1,570 |
| Equity capital to assets | 11.9889% | 1,667 |
| Core capital (leverage) ratio | 11.1612% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7615% | 1,092 |
| Memoranda: | ||
| Average total assets | $199,181,000 | 2,909 |
| Average earning assets | $188,275,333 | 2,885 |
| Average equity | $24,188,000 | 2,840 |
| Average total loans | $120,810,667 | 2,971 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4112% | 2,580 |
| Cost of funding earning assets | 0.5124% | 3,880 |
| Net interest margin | 3.8988% | 1,677 |
| Noninterest income to average assets | 0.4880% | 2,615 |
| Noninterest expense to average assets | 2.7519% | 2,573 |
| Loan and lease loss provision to assets | 0.0251% | 3,484 |
| Net operating income to assets | 1.3718% | 1,054 |
| Return on assets (ROA) | 1.3718% | 1,133 |
| Pretax return on assets | 1.3760% | 1,636 |
| Return on Equity (ROE) | 11.2155% | 1,348 |
| Retained earnings to average equity (ytd only) | 3.9896% | 2,684 |
| Net charge-offs to loans | 0.0245% | 1,877 |
| Credit loss provision to net charge-offs | 171.4286% | 1,504 |
| Earnings coverage of net charge-offs (x) | 95.5714% | 597 |
| Efficiency ratio | 66.2632% | 2,919 |
| Assets per employee ($millions) | 4.8014% | 2,872 |
| Cash dividends to net income (ytd only)* | 64.4275% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 3,038 |
| Loan loss allowance to noncurrent loans | 2,564.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,487 |
| Noncurrent loans to loans | 0.0441% | 4,375 |
| Net loans and leases to total assets | 59.8281% | 3,515 |
| Net loans and leases to deposits | 71.2251% | 3,502 |
| Net loans and leases to core deposits | 78.4123% | 3,323 |
| Total domestic deposits to total assets | 83.9987% | 2,790 |
| Equity capital to assets | 12.4324% | 1,774 |
| Core capital (leverage) ratio | 11.9638% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0513% | 1,336 |
| Memoranda: | ||
| Average total assets | $190,993,000 | 2,945 |
| Average earning assets | $179,543,000 | 2,921 |
| Average equity | $23,360,500 | 2,898 |
| Average total loans | $114,390,000 | 3,023 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 3,692 |
| Cost of funding earning assets | 0.5914% | 3,678 |
| Net interest margin | 3.6553% | 2,943 |
| Noninterest income to average assets | 0.4929% | 2,782 |
| Noninterest expense to average assets | 2.4755% | 3,513 |
| Loan and lease loss provision to assets | 0.0287% | 3,440 |
| Net operating income to assets | 1.3957% | 1,354 |
| Return on assets (ROA) | 1.3916% | 1,441 |
| Pretax return on assets | 1.3927% | 2,187 |
| Return on Equity (ROE) | 11.9237% | 1,543 |
| Retained earnings to average equity (ytd only) | 1.9426% | 4,021 |
| Net charge-offs to loans | 0.0250% | 2,900 |
| Credit loss provision to net charge-offs | 200.0000% | 1,324 |
| Earnings coverage of net charge-offs (x) | 99.2500% | 682 |
| Efficiency ratio | 63.4583% | 3,153 |
| Assets per employee ($millions) | 4.9932% | 2,610 |
| Cash dividends to net income (ytd only)* | 83.7081% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 2,916 |
| Loan loss allowance to noncurrent loans | 583.1050% | 863 |
| Noncurrent assets plus other real estate owned to assets | 0.1125% | 4,067 |
| Noncurrent loans to loans | 0.1897% | 3,772 |
| Net loans and leases to total assets | 58.6398% | 3,705 |
| Net loans and leases to deposits | 70.1928% | 3,652 |
| Net loans and leases to core deposits | 77.6482% | 3,470 |
| Total domestic deposits to total assets | 83.5411% | 3,010 |
| Equity capital to assets | 12.0375% | 2,114 |
| Core capital (leverage) ratio | 11.7791% | 1,905 |
| Tier 1 risk-based capital ratio | 15.4872% | 2,584 |
| Total risk-based capital ratio | 16.3569% | 2,665 |
| Memoranda: | ||
| Average total assets | $194,950,600 | 2,881 |
| Average earning assets | $181,765,000 | 2,870 |
| Average equity | $22,753,000 | 2,891 |
| Average total loans | $112,185,600 | 3,050 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,857 |
| Cost of funding earning assets | 0.5929% | 3,733 |
| Net interest margin | 3.6371% | 3,147 |
| Noninterest income to average assets | 0.4738% | 2,882 |
| Noninterest expense to average assets | 2.4587% | 3,543 |
| Loan and lease loss provision to assets | 0.0308% | 3,285 |
| Net operating income to assets | 1.3722% | 1,565 |
| Return on assets (ROA) | 1.3668% | 1,651 |
| Pretax return on assets | 1.3681% | 2,427 |
| Return on Equity (ROE) | 11.8032% | 1,684 |
| Retained earnings to average equity (ytd only) | 2.1020% | 4,236 |
| Net charge-offs to loans | 0.0515% | 2,095 |
| Credit loss provision to net charge-offs | 104.6512% | 2,168 |
| Earnings coverage of net charge-offs (x) | 47.7691% | 1,229 |
| Efficiency ratio | 63.6460% | 3,076 |
| Assets per employee ($millions) | 5.3213% | 2,193 |
| Cash dividends to net income (ytd only)* | 82.1909% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 2,981 |
| Loan loss allowance to noncurrent loans | 571.2329% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,158 |
| Noncurrent loans to loans | 0.1942% | 3,842 |
| Net loans and leases to total assets | 56.6472% | 4,002 |
| Net loans and leases to deposits | 69.2774% | 3,814 |
| Net loans and leases to core deposits | 78.3377% | 3,526 |
| Total domestic deposits to total assets | 81.7687% | 3,540 |
| Equity capital to assets | 12.0475% | 2,222 |
| Core capital (leverage) ratio | 11.6879% | 2,089 |
| Tier 1 risk-based capital ratio | 15.5289% | 2,633 |
| Total risk-based capital ratio | 16.3864% | 2,722 |
| Memoranda: | ||
| Average total assets | $195,005,000 | 2,907 |
| Average earning assets | $181,713,500 | 2,885 |
| Average equity | $22,581,000 | 2,929 |
| Average total loans | $111,365,000 | 3,096 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1955% | 3,938 |
| Cost of funding earning assets | 0.5792% | 3,755 |
| Net interest margin | 3.6163% | 3,203 |
| Noninterest income to average assets | 0.4342% | 3,041 |
| Noninterest expense to average assets | 2.4972% | 3,490 |
| Loan and lease loss provision to assets | 0.0257% | 3,304 |
| Net operating income to assets | 1.2820% | 1,844 |
| Return on assets (ROA) | 1.2820% | 1,901 |
| Pretax return on assets | 1.2841% | 2,620 |
| Return on Equity (ROE) | 11.2246% | 1,899 |
| Retained earnings to average equity (ytd only) | 1.1441% | 4,395 |
| Net charge-offs to loans | 0.0054% | 2,958 |
| Credit loss provision to net charge-offs | 833.3333% | 405 |
| Earnings coverage of net charge-offs (x) | 424.3333% | 178 |
| Efficiency ratio | 65.5946% | 2,871 |
| Assets per employee ($millions) | 5.0529% | 2,413 |
| Cash dividends to net income (ytd only)* | 89.8074% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,829 |
| Loan loss allowance to noncurrent loans | 1,337.8947% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 4,517 |
| Noncurrent loans to loans | 0.0854% | 4,299 |
| Net loans and leases to total assets | 57.2720% | 3,982 |
| Net loans and leases to deposits | 67.8233% | 3,979 |
| Net loans and leases to core deposits | 76.6221% | 3,677 |
| Total domestic deposits to total assets | 84.4430% | 2,713 |
| Equity capital to assets | 12.0061% | 2,182 |
| Core capital (leverage) ratio | 11.5825% | 2,101 |
| Tier 1 risk-based capital ratio | 14.9764% | 2,857 |
| Total risk-based capital ratio | 15.8252% | 2,952 |
| Memoranda: | ||
| Average total assets | $194,377,670 | 2,919 |
| Average earning assets | $181,288,670 | 2,906 |
| Average equity | $22,201,330 | 2,956 |
| Average total loans | $110,892,670 | 3,118 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 4,059 |
| Cost of funding earning assets | 0.5434% | 3,859 |
| Net interest margin | 3.5832% | 3,312 |
| Noninterest income to average assets | 0.4132% | 3,088 |
| Noninterest expense to average assets | 2.4667% | 3,593 |
| Loan and lease loss provision to assets | 0.0307% | 3,007 |
| Net operating income to assets | 1.2293% | 1,951 |
| Return on assets (ROA) | 1.2293% | 2,000 |
| Pretax return on assets | 1.2334% | 2,688 |
| Return on Equity (ROE) | 11.0399% | 1,933 |
| Retained earnings to average equity (ytd only) | 1.3593% | 4,240 |
| Net charge-offs to loans | -0.0036% | 3,948 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1184% | 2,927 |
| Assets per employee ($millions) | 5.1050% | 2,392 |
| Cash dividends to net income (ytd only)* | 87.6872% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,894 |
| Loan loss allowance to noncurrent loans | 42,166.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,892 |
| Noncurrent loans to loans | 0.0027% | 4,797 |
| Net loans and leases to total assets | 56.3601% | 4,038 |
| Net loans and leases to deposits | 68.0410% | 3,924 |
| Net loans and leases to core deposits | 75.8904% | 3,668 |
| Total domestic deposits to total assets | 82.8326% | 3,448 |
| Equity capital to assets | 11.4372% | 2,458 |
| Core capital (leverage) ratio | 11.5793% | 2,080 |
| Tier 1 risk-based capital ratio | 15.6497% | 2,585 |
| Total risk-based capital ratio | 16.5346% | 2,664 |
| Memoranda: | ||
| Average total assets | $195,561,500 | 2,947 |
| Average earning assets | $181,068,500 | 2,940 |
| Average equity | $21,775,500 | 2,997 |
| Average total loans | $110,719,500 | 3,155 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9661% | 4,124 |
| Cost of funding earning assets | 0.5070% | 3,304 |
| Net interest margin | 3.4591% | 3,837 |
| Noninterest income to average assets | 0.4366% | 3,194 |
| Noninterest expense to average assets | 2.2428% | 4,235 |
| Loan and lease loss provision to assets | 0.0305% | 3,580 |
| Net operating income to assets | 1.4042% | 1,420 |
| Return on assets (ROA) | 1.4042% | 1,406 |
| Pretax return on assets | 1.4052% | 2,118 |
| Return on Equity (ROE) | 13.1640% | 1,282 |
| Retained earnings to average equity (ytd only) | 1.4135% | 4,570 |
| Net charge-offs to loans | 0.0129% | 3,257 |
| Credit loss provision to net charge-offs | 461.5385% | 745 |
| Earnings coverage of net charge-offs (x) | 217.5385% | 425 |
| Efficiency ratio | 60.9716% | 3,696 |
| Assets per employee ($millions) | 5.4759% | 1,978 |
| Cash dividends to net income (ytd only)* | 89.2625% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 2,939 |
| Loan loss allowance to noncurrent loans | 41,633.3333% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,925 |
| Noncurrent loans to loans | 0.0027% | 4,815 |
| Net loans and leases to total assets | 55.5929% | 4,161 |
| Net loans and leases to deposits | 66.5416% | 4,077 |
| Net loans and leases to core deposits | 73.5132% | 3,888 |
| Total domestic deposits to total assets | 83.5461% | 3,142 |
| Equity capital to assets | 10.8374% | 2,854 |
| Core capital (leverage) ratio | 11.3651% | 2,208 |
| Tier 1 risk-based capital ratio | 15.3872% | 2,667 |
| Total risk-based capital ratio | 16.2491% | 2,759 |
| Memoranda: | ||
| Average total assets | $196,986,000 | 2,900 |
| Average earning assets | $184,613,800 | 2,872 |
| Average equity | $21,011,800 | 2,990 |
| Average total loans | $100,635,200 | 3,281 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9250% | 4,149 |
| Cost of funding earning assets | 0.4942% | 3,236 |
| Net interest margin | 3.4308% | 3,920 |
| Noninterest income to average assets | 0.4319% | 3,272 |
| Noninterest expense to average assets | 2.2415% | 4,232 |
| Loan and lease loss provision to assets | 0.0305% | 3,410 |
| Net operating income to assets | 1.3919% | 1,515 |
| Return on assets (ROA) | 1.3919% | 1,513 |
| Pretax return on assets | 1.3932% | 2,251 |
| Return on Equity (ROE) | 13.1012% | 1,391 |
| Retained earnings to average equity (ytd only) | 1.2490% | 4,791 |
| Net charge-offs to loans | 0.0177% | 2,808 |
| Credit loss provision to net charge-offs | 346.1538% | 910 |
| Earnings coverage of net charge-offs (x) | 161.7963% | 510 |
| Efficiency ratio | 61.1563% | 3,638 |
| Assets per employee ($millions) | 5.6743% | 1,754 |
| Cash dividends to net income (ytd only)* | 90.4672% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,196 |
| Loan loss allowance to noncurrent loans | 30,850.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,028 |
| Noncurrent loans to loans | 0.0036% | 4,926 |
| Net loans and leases to total assets | 57.5469% | 4,089 |
| Net loans and leases to deposits | 70.7374% | 3,862 |
| Net loans and leases to core deposits | 78.6990% | 3,601 |
| Total domestic deposits to total assets | 81.3530% | 3,777 |
| Equity capital to assets | 10.7451% | 2,901 |
| Core capital (leverage) ratio | 11.3377% | 2,301 |
| Tier 1 risk-based capital ratio | 15.3607% | 2,715 |
| Total risk-based capital ratio | 16.2146% | 2,820 |
| Memoranda: | ||
| Average total assets | $196,949,250 | 2,927 |
| Average earning assets | $185,608,250 | 2,892 |
| Average equity | $20,923,750 | 3,024 |
| Average total loans | $98,083,750 | 3,361 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,190 |
| Cost of funding earning assets | 0.4742% | 3,198 |
| Net interest margin | 3.3859% | 3,996 |
| Noninterest income to average assets | 0.4125% | 3,408 |
| Noninterest expense to average assets | 2.2170% | 4,330 |
| Loan and lease loss provision to assets | 0.0303% | 3,304 |
| Net operating income to assets | 1.3536% | 1,590 |
| Return on assets (ROA) | 1.3536% | 1,597 |
| Pretax return on assets | 1.3556% | 2,305 |
| Return on Equity (ROE) | 12.7881% | 1,447 |
| Retained earnings to average equity (ytd only) | 0.2478% | 4,912 |
| Net charge-offs to loans | 0.0278% | 2,298 |
| Credit loss provision to net charge-offs | 230.7692% | 1,191 |
| Earnings coverage of net charge-offs (x) | 105.6923% | 671 |
| Efficiency ratio | 61.5342% | 3,689 |
| Assets per employee ($millions) | 5.6169% | 1,791 |
| Cash dividends to net income (ytd only)* | 98.0626% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,359 |
| Loan loss allowance to noncurrent loans | 15,237.5000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,036 |
| Noncurrent loans to loans | 0.0083% | 4,920 |
| Net loans and leases to total assets | 48.4666% | 4,698 |
| Net loans and leases to deposits | 58.5128% | 4,611 |
| Net loans and leases to core deposits | 64.8342% | 4,438 |
| Total domestic deposits to total assets | 82.8309% | 3,457 |
| Equity capital to assets | 10.5473% | 3,072 |
| Core capital (leverage) ratio | 10.9660% | 2,558 |
| Tier 1 risk-based capital ratio | 14.7481% | 2,995 |
| Total risk-based capital ratio | 15.5642% | 3,123 |
| Memoranda: | ||
| Average total assets | $198,290,330 | 2,915 |
| Average earning assets | $186,833,330 | 2,893 |
| Average equity | $20,988,330 | 3,021 |
| Average total loans | $93,359,330 | 3,456 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,189 |
| Cost of funding earning assets | 0.4361% | 3,327 |
| Net interest margin | 3.3731% | 3,970 |
| Noninterest income to average assets | 0.4278% | 3,260 |
| Noninterest expense to average assets | 2.2095% | 4,395 |
| Loan and lease loss provision to assets | 0.0301% | 3,110 |
| Net operating income to assets | 1.3538% | 1,469 |
| Return on assets (ROA) | 1.3538% | 1,481 |
| Pretax return on assets | 1.3578% | 2,159 |
| Return on Equity (ROE) | 12.7682% | 1,328 |
| Retained earnings to average equity (ytd only) | -1.8944% | 4,999 |
| Net charge-offs to loans | 0.0261% | 1,976 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 546 |
| Efficiency ratio | 61.4182% | 3,887 |
| Assets per employee ($millions) | 5.5453% | 1,898 |
| Cash dividends to net income (ytd only)* | 114.8368% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 2,279 |
| Loan loss allowance to noncurrent loans | 7,568.7500% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,092 |
| Noncurrent loans to loans | 0.0171% | 4,915 |
| Net loans and leases to total assets | 46.3134% | 4,780 |
| Net loans and leases to deposits | 58.4692% | 4,566 |
| Net loans and leases to core deposits | 63.2175% | 4,471 |
| Total domestic deposits to total assets | 79.2099% | 4,544 |
| Equity capital to assets | 10.4188% | 3,156 |
| Core capital (leverage) ratio | 10.8681% | 2,569 |
| Tier 1 risk-based capital ratio | 14.6446% | 3,054 |
| Total risk-based capital ratio | 15.4543% | 3,197 |
| Memoranda: | ||
| Average total assets | $199,140,000 | 2,940 |
| Average earning assets | $187,125,500 | 2,919 |
| Average equity | $21,115,000 | 3,031 |
| Average total loans | $91,789,000 | 3,506 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 4,419 |
| Cost of funding earning assets | 0.3328% | 3,847 |
| Net interest margin | 3.3325% | 4,063 |
| Noninterest income to average assets | 0.4299% | 3,438 |
| Noninterest expense to average assets | 2.1567% | 4,631 |
| Loan and lease loss provision to assets | 0.0231% | 3,836 |
| Net operating income to assets | 1.3827% | 1,053 |
| Return on assets (ROA) | 1.3827% | 1,073 |
| Pretax return on assets | 1.3837% | 2,042 |
| Return on Equity (ROE) | 12.8396% | 988 |
| Retained earnings to average equity (ytd only) | 2.9336% | 3,548 |
| Net charge-offs to loans | -0.0437% | 5,150 |
| Credit loss provision to net charge-offs | -121.0526% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5215% | 4,182 |
| Assets per employee ($millions) | 5.5181% | 1,916 |
| Cash dividends to net income (ytd only)* | 77.1522% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,039 |
| Loan loss allowance to noncurrent loans | 9,246.1538% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 5,151 |
| Noncurrent loans to loans | 0.0145% | 4,969 |
| Net loans and leases to total assets | 44.6562% | 4,949 |
| Net loans and leases to deposits | 55.8005% | 4,813 |
| Net loans and leases to core deposits | 59.8987% | 4,759 |
| Total domestic deposits to total assets | 80.0283% | 4,333 |
| Equity capital to assets | 10.7883% | 2,852 |
| Core capital (leverage) ratio | 11.1751% | 2,175 |
| Tier 1 risk-based capital ratio | 15.9855% | 2,435 |
| Total risk-based capital ratio | 16.8588% | 2,522 |
| Memoranda: | ||
| Average total assets | $199,104,400 | 2,928 |
| Average earning assets | $187,214,800 | 2,893 |
| Average equity | $21,441,400 | 3,001 |
| Average total loans | $86,912,200 | 3,589 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6588% | 4,424 |
| Cost of funding earning assets | 0.3276% | 3,868 |
| Net interest margin | 3.3311% | 4,072 |
| Noninterest income to average assets | 0.4404% | 3,399 |
| Noninterest expense to average assets | 2.1564% | 4,622 |
| Loan and lease loss provision to assets | 0.0308% | 3,503 |
| Net operating income to assets | 1.3887% | 1,116 |
| Return on assets (ROA) | 1.3887% | 1,133 |
| Pretax return on assets | 1.3901% | 2,145 |
| Return on Equity (ROE) | 12.9015% | 1,081 |
| Retained earnings to average equity (ytd only) | 2.7420% | 4,262 |
| Net charge-offs to loans | -0.0867% | 5,336 |
| Credit loss provision to net charge-offs | -82.1429% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2806% | 4,166 |
| Assets per employee ($millions) | 5.4001% | 2,020 |
| Cash dividends to net income (ytd only)* | 78.7468% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,849 |
| Loan loss allowance to noncurrent loans | 122,000.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 5,285 |
| Noncurrent loans to loans | 0.0012% | 5,163 |
| Net loans and leases to total assets | 43.9523% | 5,030 |
| Net loans and leases to deposits | 52.9714% | 5,007 |
| Net loans and leases to core deposits | 57.3345% | 4,936 |
| Total domestic deposits to total assets | 82.9736% | 3,459 |
| Equity capital to assets | 11.2127% | 2,655 |
| Core capital (leverage) ratio | 11.0266% | 2,428 |
| Tier 1 risk-based capital ratio | 16.1637% | 2,432 |
| Total risk-based capital ratio | 17.0677% | 2,518 |
| Memoranda: | ||
| Average total assets | $199,217,750 | 2,958 |
| Average earning assets | $187,599,000 | 2,914 |
| Average equity | $21,444,000 | 3,027 |
| Average total loans | $86,162,250 | 3,633 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 4,477 |
| Cost of funding earning assets | 0.3123% | 3,953 |
| Net interest margin | 3.3009% | 4,104 |
| Noninterest income to average assets | 0.4422% | 3,404 |
| Noninterest expense to average assets | 2.1273% | 4,723 |
| Loan and lease loss provision to assets | 0.0458% | 3,077 |
| Net operating income to assets | 1.3724% | 1,126 |
| Return on assets (ROA) | 1.3724% | 1,151 |
| Pretax return on assets | 1.3743% | 2,125 |
| Return on Equity (ROE) | 12.9232% | 1,052 |
| Retained earnings to average equity (ytd only) | 2.3446% | 4,279 |
| Net charge-offs to loans | -0.1302% | 5,488 |
| Credit loss provision to net charge-offs | -82.1429% | 4,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9663% | 4,320 |
| Assets per employee ($millions) | 5.3645% | 2,000 |
| Cash dividends to net income (ytd only)* | 81.8578% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 1,962 |
| Loan loss allowance to noncurrent loans | 8,133.3333% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 5,273 |
| Noncurrent loans to loans | 0.0172% | 5,104 |
| Net loans and leases to total assets | 43.3864% | 5,074 |
| Net loans and leases to deposits | 52.2289% | 5,048 |
| Net loans and leases to core deposits | 56.4292% | 4,977 |
| Total domestic deposits to total assets | 83.0698% | 3,544 |
| Equity capital to assets | 10.9433% | 2,873 |
| Core capital (leverage) ratio | 10.8706% | 2,535 |
| Tier 1 risk-based capital ratio | 15.9031% | 2,543 |
| Total risk-based capital ratio | 16.8004% | 2,618 |
| Memoranda: | ||
| Average total assets | $200,822,330 | 2,960 |
| Average earning assets | $188,916,000 | 2,923 |
| Average equity | $21,326,000 | 3,043 |
| Average total loans | $85,994,670 | 3,656 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5379% | 4,580 |
| Cost of funding earning assets | 0.3140% | 3,910 |
| Net interest margin | 3.2240% | 4,266 |
| Noninterest income to average assets | 0.4198% | 3,521 |
| Noninterest expense to average assets | 2.1110% | 4,827 |
| Loan and lease loss provision to assets | 0.0594% | 2,619 |
| Net operating income to assets | 1.2753% | 1,307 |
| Return on assets (ROA) | 1.2753% | 1,341 |
| Pretax return on assets | 1.2793% | 2,311 |
| Return on Equity (ROE) | 12.1921% | 1,180 |
| Retained earnings to average equity (ytd only) | -0.4354% | 4,984 |
| Net charge-offs to loans | -0.0188% | 4,706 |
| Credit loss provision to net charge-offs | -750.0000% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1940% | 4,286 |
| Assets per employee ($millions) | 5.4748% | 1,917 |
| Cash dividends to net income (ytd only)* | 103.5714% | 664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 2,299 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 5,334 |
| Noncurrent loans to loans | 0.0188% | 5,153 |
| Net loans and leases to total assets | 42.6722% | 5,126 |
| Net loans and leases to deposits | 50.3174% | 5,115 |
| Net loans and leases to core deposits | 52.9375% | 5,111 |
| Total domestic deposits to total assets | 84.8062% | 3,169 |
| Equity capital to assets | 10.7695% | 2,893 |
| Core capital (leverage) ratio | 10.6116% | 2,778 |
| Tier 1 risk-based capital ratio | 15.9154% | 2,587 |
| Total risk-based capital ratio | 16.7741% | 2,674 |
| Memoranda: | ||
| Average total assets | $201,990,500 | 2,974 |
| Average earning assets | $189,827,500 | 2,938 |
| Average equity | $21,128,500 | 3,074 |
| Average total loans | $85,324,000 | 3,702 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 4,546 |
| Cost of funding earning assets | 0.3095% | 3,963 |
| Net interest margin | 3.2770% | 4,215 |
| Noninterest income to average assets | 0.4807% | 3,343 |
| Noninterest expense to average assets | 2.2224% | 4,723 |
| Loan and lease loss provision to assets | 0.0713% | 2,934 |
| Net operating income to assets | 1.2709% | 1,300 |
| Return on assets (ROA) | 1.2709% | 1,369 |
| Pretax return on assets | 1.2719% | 2,388 |
| Return on Equity (ROE) | 11.8531% | 1,290 |
| Retained earnings to average equity (ytd only) | 2.3613% | 4,182 |
| Net charge-offs to loans | 0.0837% | 2,492 |
| Credit loss provision to net charge-offs | 208.8235% | 1,361 |
| Earnings coverage of net charge-offs (x) | 39.3235% | 1,191 |
| Efficiency ratio | 62.3274% | 4,197 |
| Assets per employee ($millions) | 5.7469% | 1,663 |
| Cash dividends to net income (ytd only)* | 80.0791% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 2,495 |
| Loan loss allowance to noncurrent loans | 6,576.4706% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 5,380 |
| Noncurrent loans to loans | 0.0199% | 5,196 |
| Net loans and leases to total assets | 40.7341% | 5,284 |
| Net loans and leases to deposits | 51.6173% | 5,142 |
| Net loans and leases to core deposits | 53.6798% | 5,161 |
| Total domestic deposits to total assets | 78.9156% | 4,815 |
| Equity capital to assets | 10.1654% | 3,530 |
| Core capital (leverage) ratio | 10.6612% | 2,707 |
| Tier 1 risk-based capital ratio | 15.4710% | 2,759 |
| Total risk-based capital ratio | 16.2802% | 2,886 |
| Memoranda: | ||
| Average total assets | $199,068,000 | 2,965 |
| Average earning assets | $187,398,600 | 2,925 |
| Average equity | $21,344,600 | 3,037 |
| Average total loans | $81,274,000 | 3,777 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6121% | 4,517 |
| Cost of funding earning assets | 0.3132% | 3,939 |
| Net interest margin | 3.2989% | 4,191 |
| Noninterest income to average assets | 0.4633% | 3,467 |
| Noninterest expense to average assets | 2.2200% | 4,718 |
| Loan and lease loss provision to assets | 0.0690% | 2,844 |
| Net operating income to assets | 1.2865% | 1,335 |
| Return on assets (ROA) | 1.2865% | 1,438 |
| Pretax return on assets | 1.2879% | 2,478 |
| Return on Equity (ROE) | 11.8375% | 1,377 |
| Retained earnings to average equity (ytd only) | 2.0289% | 4,677 |
| Net charge-offs to loans | 0.1047% | 1,899 |
| Credit loss provision to net charge-offs | 161.9048% | 1,688 |
| Earnings coverage of net charge-offs (x) | 31.8405% | 1,429 |
| Efficiency ratio | 62.0651% | 4,219 |
| Assets per employee ($millions) | 5.8253% | 1,557 |
| Cash dividends to net income (ytd only)* | 82.8600% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 2,737 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,488 |
| Noncurrent loans to loans | 0.0226% | 5,295 |
| Net loans and leases to total assets | 41.8124% | 5,303 |
| Net loans and leases to deposits | 50.2107% | 5,289 |
| Net loans and leases to core deposits | 52.1956% | 5,306 |
| Total domestic deposits to total assets | 83.2738% | 3,493 |
| Equity capital to assets | 11.0729% | 2,940 |
| Core capital (leverage) ratio | 10.7002% | 2,790 |
| Tier 1 risk-based capital ratio | 16.0379% | 2,604 |
| Total risk-based capital ratio | 16.8573% | 2,721 |
| Memoranda: | ||
| Average total assets | $197,113,000 | 3,000 |
| Average earning assets | $186,035,250 | 2,953 |
| Average equity | $21,423,000 | 3,050 |
| Average total loans | $80,244,500 | 3,817 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 4,626 |
| Cost of funding earning assets | 0.3151% | 3,960 |
| Net interest margin | 3.2730% | 4,317 |
| Noninterest income to average assets | 0.4177% | 3,764 |
| Noninterest expense to average assets | 2.1860% | 4,872 |
| Loan and lease loss provision to assets | 0.0305% | 3,519 |
| Net operating income to assets | 1.2917% | 1,290 |
| Return on assets (ROA) | 1.2917% | 1,403 |
| Pretax return on assets | 1.2937% | 2,434 |
| Return on Equity (ROE) | 11.9603% | 1,341 |
| Retained earnings to average equity (ytd only) | 1.5527% | 4,757 |
| Net charge-offs to loans | 0.0354% | 2,741 |
| Credit loss provision to net charge-offs | 214.2857% | 1,243 |
| Earnings coverage of net charge-offs (x) | 93.0714% | 616 |
| Efficiency ratio | 62.2756% | 4,302 |
| Assets per employee ($millions) | 5.9800% | 1,420 |
| Cash dividends to net income (ytd only)* | 87.0181% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,815 |
| Loan loss allowance to noncurrent loans | 247.0862% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 4,627 |
| Noncurrent loans to loans | 0.5240% | 3,513 |
| Net loans and leases to total assets | 40.9463% | 5,381 |
| Net loans and leases to deposits | 51.3120% | 5,282 |
| Net loans and leases to core deposits | 53.4397% | 5,304 |
| Total domestic deposits to total assets | 79.7987% | 4,594 |
| Equity capital to assets | 11.0095% | 3,052 |
| Core capital (leverage) ratio | 10.3886% | 3,088 |
| Tier 1 risk-based capital ratio | 16.2402% | 2,530 |
| Total risk-based capital ratio | 17.0586% | 2,672 |
| Memoranda: | ||
| Average total assets | $196,797,000 | 3,016 |
| Average earning assets | $185,943,670 | 2,976 |
| Average equity | $21,253,670 | 3,074 |
| Average total loans | $79,027,000 | 3,869 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 4,744 |
| Cost of funding earning assets | 0.3238% | 3,907 |
| Net interest margin | 3.2340% | 4,460 |
| Noninterest income to average assets | 0.4050% | 3,793 |
| Noninterest expense to average assets | 2.1941% | 4,915 |
| Loan and lease loss provision to assets | 0.0204% | 3,424 |
| Net operating income to assets | 1.2355% | 1,437 |
| Return on assets (ROA) | 1.2355% | 1,544 |
| Pretax return on assets | 1.2395% | 2,540 |
| Return on Equity (ROE) | 11.5523% | 1,442 |
| Retained earnings to average equity (ytd only) | -1.1038% | 5,295 |
| Net charge-offs to loans | 0.0258% | 2,423 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 123.8000% | 462 |
| Efficiency ratio | 63.5239% | 4,210 |
| Assets per employee ($millions) | 5.8532% | 1,528 |
| Cash dividends to net income (ytd only)* | 109.5552% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,713 |
| Loan loss allowance to noncurrent loans | 3,178.7879% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,440 |
| Noncurrent loans to loans | 0.0421% | 5,325 |
| Net loans and leases to total assets | 40.0270% | 5,450 |
| Net loans and leases to deposits | 49.1757% | 5,378 |
| Net loans and leases to core deposits | 50.5485% | 5,425 |
| Total domestic deposits to total assets | 81.3960% | 4,381 |
| Equity capital to assets | 11.0014% | 2,938 |
| Core capital (leverage) ratio | 10.5184% | 2,938 |
| Tier 1 risk-based capital ratio | 16.6249% | 2,433 |
| Total risk-based capital ratio | 17.4629% | 2,540 |
| Memoranda: | ||
| Average total assets | $196,526,000 | 3,026 |
| Average earning assets | $185,282,000 | 2,993 |
| Average equity | $21,017,500 | 3,097 |
| Average total loans | $77,609,000 | 3,930 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,522 |
| Cost of funding earning assets | 0.3432% | 3,760 |
| Net interest margin | 3.3070% | 4,276 |
| Noninterest income to average assets | 0.4315% | 3,807 |
| Noninterest expense to average assets | 2.2102% | 5,030 |
| Loan and lease loss provision to assets | 0.0257% | 3,874 |
| Net operating income to assets | 1.3053% | 1,257 |
| Return on assets (ROA) | 1.3053% | 1,308 |
| Pretax return on assets | 1.3064% | 2,254 |
| Return on Equity (ROE) | 11.8015% | 1,355 |
| Retained earnings to average equity (ytd only) | 2.6624% | 4,177 |
| Net charge-offs to loans | -0.0150% | 5,205 |
| Credit loss provision to net charge-offs | -436.3636% | 5,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3942% | 4,546 |
| Assets per employee ($millions) | 5.7113% | 1,610 |
| Cash dividends to net income (ytd only)* | 77.4405% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 2,628 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 150 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 5,526 |
| Noncurrent loans to loans | 0.0234% | 5,421 |
| Net loans and leases to total assets | 37.9249% | 5,626 |
| Net loans and leases to deposits | 48.7414% | 5,454 |
| Net loans and leases to core deposits | 50.1173% | 5,493 |
| Total domestic deposits to total assets | 77.8083% | 5,204 |
| Equity capital to assets | 10.3980% | 3,491 |
| Core capital (leverage) ratio | 10.6830% | 2,728 |
| Tier 1 risk-based capital ratio | 16.4154% | 2,526 |
| Total risk-based capital ratio | 17.2366% | 2,632 |
| Memoranda: | ||
| Average total assets | $186,770,400 | 3,097 |
| Average earning assets | $175,688,200 | 3,044 |
| Average equity | $20,658,400 | 3,110 |
| Average total loans | $73,577,200 | 4,009 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 4,754 |
| Cost of funding earning assets | 0.3539% | 3,715 |
| Net interest margin | 3.2416% | 4,550 |
| Noninterest income to average assets | 0.4520% | 3,699 |
| Noninterest expense to average assets | 2.2693% | 4,861 |
| Loan and lease loss provision to assets | 0.0276% | 3,698 |
| Net operating income to assets | 1.2019% | 1,643 |
| Return on assets (ROA) | 1.2019% | 1,712 |
| Pretax return on assets | 1.2033% | 2,806 |
| Return on Equity (ROE) | 10.6914% | 1,828 |
| Retained earnings to average equity (ytd only) | 1.2734% | 5,211 |
| Net charge-offs to loans | -0.0183% | 5,180 |
| Credit loss provision to net charge-offs | -380.0000% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8329% | 4,096 |
| Assets per employee ($millions) | 5.0981% | 2,179 |
| Cash dividends to net income (ytd only)* | 88.0895% | 561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3872% | 2,666 |
| Loan loss allowance to noncurrent loans | 5,436.8421% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 5,615 |
| Noncurrent loans to loans | 0.0255% | 5,534 |
| Net loans and leases to total assets | 40.0121% | 5,590 |
| Net loans and leases to deposits | 48.1674% | 5,553 |
| Net loans and leases to core deposits | 50.5786% | 5,560 |
| Total domestic deposits to total assets | 83.0689% | 3,796 |
| Equity capital to assets | 11.4116% | 2,573 |
| Core capital (leverage) ratio | 10.9573% | 2,533 |
| Tier 1 risk-based capital ratio | 16.7668% | 2,451 |
| Total risk-based capital ratio | 17.6110% | 2,593 |
| Memoranda: | ||
| Average total assets | $183,489,250 | 3,153 |
| Average earning assets | $172,544,000 | 3,105 |
| Average equity | $20,626,750 | 3,135 |
| Average total loans | $72,758,000 | 4,063 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,773 |
| Cost of funding earning assets | 0.3598% | 3,702 |
| Net interest margin | 3.2211% | 4,599 |
| Noninterest income to average assets | 0.4524% | 3,685 |
| Noninterest expense to average assets | 2.2673% | 4,934 |
| Loan and lease loss provision to assets | 0.0196% | 3,738 |
| Net operating income to assets | 1.1882% | 1,638 |
| Return on assets (ROA) | 1.1882% | 1,706 |
| Pretax return on assets | 1.1904% | 2,813 |
| Return on Equity (ROE) | 10.6233% | 1,804 |
| Retained earnings to average equity (ytd only) | 0.7797% | 5,248 |
| Net charge-offs to loans | -0.0194% | 5,167 |
| Credit loss provision to net charge-offs | -257.1429% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2038% | 4,147 |
| Assets per employee ($millions) | 5.0799% | 2,170 |
| Cash dividends to net income (ytd only)* | 92.6606% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 2,762 |
| Loan loss allowance to noncurrent loans | 3,740.7407% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 5,676 |
| Noncurrent loans to loans | 0.0374% | 5,599 |
| Net loans and leases to total assets | 38.9019% | 5,690 |
| Net loans and leases to deposits | 46.5127% | 5,650 |
| Net loans and leases to core deposits | 48.8324% | 5,660 |
| Total domestic deposits to total assets | 83.6372% | 3,719 |
| Equity capital to assets | 11.2118% | 2,660 |
| Core capital (leverage) ratio | 11.0431% | 2,383 |
| Tier 1 risk-based capital ratio | 16.9720% | 2,412 |
| Total risk-based capital ratio | 17.8123% | 2,536 |
| Memoranda: | ||
| Average total assets | $183,475,000 | 3,183 |
| Average earning assets | $172,300,000 | 3,133 |
| Average equity | $20,521,000 | 3,160 |
| Average total loans | $72,188,000 | 4,099 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4969% | 4,979 |
| Cost of funding earning assets | 0.3627% | 3,719 |
| Net interest margin | 3.1342% | 4,838 |
| Noninterest income to average assets | 0.4484% | 3,643 |
| Noninterest expense to average assets | 2.2811% | 4,931 |
| Loan and lease loss provision to assets | 0.0065% | 3,625 |
| Net operating income to assets | 1.0905% | 1,902 |
| Return on assets (ROA) | 1.0905% | 2,015 |
| Pretax return on assets | 1.0948% | 3,102 |
| Return on Equity (ROE) | 9.7616% | 2,107 |
| Retained earnings to average equity (ytd only) | -1.9484% | 5,683 |
| Net charge-offs to loans | -0.0277% | 5,204 |
| Credit loss provision to net charge-offs | -60.0000% | 4,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4389% | 3,915 |
| Assets per employee ($millions) | 5.0505% | 2,286 |
| Cash dividends to net income (ytd only)* | 119.9601% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 2,924 |
| Loan loss allowance to noncurrent loans | 632.4841% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 5,594 |
| Noncurrent loans to loans | 0.2212% | 4,984 |
| Net loans and leases to total assets | 38.4973% | 5,695 |
| Net loans and leases to deposits | 47.9424% | 5,569 |
| Net loans and leases to core deposits | 49.3855% | 5,617 |
| Total domestic deposits to total assets | 80.2990% | 4,992 |
| Equity capital to assets | 11.3911% | 2,564 |
| Core capital (leverage) ratio | 11.0004% | 2,410 |
| Tier 1 risk-based capital ratio | 16.7683% | 2,573 |
| Total risk-based capital ratio | 17.5918% | 2,701 |
| Memoranda: | ||
| Average total assets | $183,773,500 | 3,193 |
| Average earning assets | $172,036,500 | 3,155 |
| Average equity | $20,529,500 | 3,178 |
| Average total loans | $72,205,500 | 4,128 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,640 |
| Cost of funding earning assets | 0.4194% | 3,483 |
| Net interest margin | 3.3316% | 4,472 |
| Noninterest income to average assets | 0.4238% | 4,016 |
| Noninterest expense to average assets | 2.1424% | 5,474 |
| Loan and lease loss provision to assets | 0.0105% | 4,414 |
| Net operating income to assets | 1.3527% | 1,185 |
| Return on assets (ROA) | 1.3527% | 1,238 |
| Pretax return on assets | 1.3537% | 2,064 |
| Return on Equity (ROE) | 12.9532% | 1,155 |
| Retained earnings to average equity (ytd only) | 2.6801% | 4,337 |
| Net charge-offs to loans | 0.0129% | 4,637 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 259.8000% | 206 |
| Efficiency ratio | 61.0961% | 5,050 |
| Assets per employee ($millions) | 5.1591% | 2,115 |
| Cash dividends to net income (ytd only)* | 79.3090% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 3,223 |
| Loan loss allowance to noncurrent loans | 1,669.4915% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,919 |
| Noncurrent loans to loans | 0.0804% | 5,562 |
| Net loans and leases to total assets | 39.0020% | 5,799 |
| Net loans and leases to deposits | 47.3299% | 5,723 |
| Net loans and leases to core deposits | 49.0165% | 5,764 |
| Total domestic deposits to total assets | 82.4045% | 4,278 |
| Equity capital to assets | 10.9557% | 2,942 |
| Core capital (leverage) ratio | 10.4068% | 3,054 |
| Tier 1 risk-based capital ratio | 18.0567% | 2,115 |
| Total risk-based capital ratio | 18.9320% | 2,215 |
| Memoranda: | ||
| Average total assets | $190,440,800 | 3,098 |
| Average earning assets | $176,223,200 | 3,085 |
| Average equity | $19,887,000 | 3,173 |
| Average total loans | $77,593,800 | 3,946 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 4,710 |
| Cost of funding earning assets | 0.4325% | 3,443 |
| Net interest margin | 3.3190% | 4,540 |
| Noninterest income to average assets | 0.4119% | 4,159 |
| Noninterest expense to average assets | 2.0686% | 5,640 |
| Loan and lease loss provision to assets | 0.0139% | 4,133 |
| Net operating income to assets | 1.3986% | 1,135 |
| Return on assets (ROA) | 1.3986% | 1,177 |
| Pretax return on assets | 1.4000% | 2,005 |
| Return on Equity (ROE) | 13.5543% | 1,081 |
| Retained earnings to average equity (ytd only) | 3.0952% | 4,419 |
| Net charge-offs to loans | 0.0085% | 4,417 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | 406.1874% | 182 |
| Efficiency ratio | 59.4006% | 5,264 |
| Assets per employee ($millions) | 5.3590% | 1,851 |
| Cash dividends to net income (ytd only)* | 77.1643% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,662 |
| Loan loss allowance to noncurrent loans | 134.3284% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 4,748 |
| Noncurrent loans to loans | 0.9655% | 3,152 |
| Net loans and leases to total assets | 40.1711% | 5,801 |
| Net loans and leases to deposits | 48.1574% | 5,756 |
| Net loans and leases to core deposits | 51.5387% | 5,713 |
| Total domestic deposits to total assets | 83.4164% | 3,987 |
| Equity capital to assets | 10.7296% | 3,255 |
| Core capital (leverage) ratio | 10.3273% | 3,251 |
| Tier 1 risk-based capital ratio | 17.9399% | 2,229 |
| Total risk-based capital ratio | 18.8172% | 2,329 |
| Memoranda: | ||
| Average total assets | $191,618,750 | 3,112 |
| Average earning assets | $177,278,750 | 3,100 |
| Average equity | $19,771,750 | 3,191 |
| Average total loans | $78,636,500 | 3,942 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,635 |
| Cost of funding earning assets | 0.4434% | 3,404 |
| Net interest margin | 3.3226% | 4,498 |
| Noninterest income to average assets | 0.3938% | 4,285 |
| Noninterest expense to average assets | 2.0573% | 5,711 |
| Loan and lease loss provision to assets | 0.0207% | 3,856 |
| Net operating income to assets | 1.3660% | 1,147 |
| Return on assets (ROA) | 1.3660% | 1,186 |
| Pretax return on assets | 1.3681% | 2,011 |
| Return on Equity (ROE) | 13.4120% | 1,073 |
| Retained earnings to average equity (ytd only) | 3.0223% | 4,284 |
| Net charge-offs to loans | 0.0151% | 3,931 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 223.3333% | 305 |
| Efficiency ratio | 59.6992% | 5,336 |
| Assets per employee ($millions) | 5.3253% | 1,847 |
| Cash dividends to net income (ytd only)* | 77.4659% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 4,083 |
| Loan loss allowance to noncurrent loans | 1,866.0377% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 6,130 |
| Noncurrent loans to loans | 0.0675% | 5,822 |
| Net loans and leases to total assets | 40.4126% | 5,788 |
| Net loans and leases to deposits | 49.4656% | 5,673 |
| Net loans and leases to core deposits | 53.4454% | 5,584 |
| Total domestic deposits to total assets | 81.6984% | 4,749 |
| Equity capital to assets | 10.4914% | 3,450 |
| Core capital (leverage) ratio | 10.3369% | 3,156 |
| Tier 1 risk-based capital ratio | 17.4253% | 2,452 |
| Total risk-based capital ratio | 18.2835% | 2,563 |
| Memoranda: | ||
| Average total assets | $192,970,000 | 3,112 |
| Average earning assets | $177,270,000 | 3,112 |
| Average equity | $19,654,000 | 3,211 |
| Average total loans | $79,403,000 | 3,923 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 4,921 |
| Cost of funding earning assets | 0.4501% | 3,429 |
| Net interest margin | 3.2273% | 4,825 |
| Noninterest income to average assets | 0.3760% | 4,380 |
| Noninterest expense to average assets | 2.0599% | 5,767 |
| Loan and lease loss provision to assets | 0.0413% | 3,262 |
| Net operating income to assets | 1.2335% | 1,392 |
| Return on assets (ROA) | 1.2335% | 1,447 |
| Pretax return on assets | 1.2376% | 2,321 |
| Return on Equity (ROE) | 12.2938% | 1,347 |
| Retained earnings to average equity (ytd only) | 0.2883% | 5,461 |
| Net charge-offs to loans | 0.0801% | 2,349 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | 38.6875% | 896 |
| Efficiency ratio | 61.6955% | 5,173 |
| Assets per employee ($millions) | 5.4283% | 1,772 |
| Cash dividends to net income (ytd only)* | 97.6549% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 4,422 |
| Loan loss allowance to noncurrent loans | 1,919.6078% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 6,220 |
| Noncurrent loans to loans | 0.0647% | 5,954 |
| Net loans and leases to total assets | 39.8098% | 5,822 |
| Net loans and leases to deposits | 49.2951% | 5,647 |
| Net loans and leases to core deposits | 50.9116% | 5,695 |
| Total domestic deposits to total assets | 80.7583% | 5,298 |
| Equity capital to assets | 9.9985% | 3,844 |
| Core capital (leverage) ratio | 10.3896% | 3,060 |
| Tier 1 risk-based capital ratio | 17.1933% | 2,602 |
| Total risk-based capital ratio | 18.0434% | 2,741 |
| Memoranda: | ||
| Average total assets | $193,600,000 | 3,124 |
| Average earning assets | $177,733,500 | 3,130 |
| Average equity | $19,424,500 | 3,235 |
| Average total loans | $79,872,500 | 3,936 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7403% | 5,003 |
| Cost of funding earning assets | 0.5411% | 3,186 |
| Net interest margin | 3.1992% | 5,007 |
| Noninterest income to average assets | 0.5472% | 3,421 |
| Noninterest expense to average assets | 2.1938% | 5,643 |
| Loan and lease loss provision to assets | 0.0082% | 4,956 |
| Net operating income to assets | 1.2798% | 1,308 |
| Return on assets (ROA) | 1.2956% | 1,314 |
| Pretax return on assets | 1.2967% | 2,172 |
| Return on Equity (ROE) | 12.2384% | 1,342 |
| Retained earnings to average equity (ytd only) | 3.4702% | 3,758 |
| Net charge-offs to loans | 0.0938% | 3,908 |
| Credit loss provision to net charge-offs | 20.5479% | 4,437 |
| Earnings coverage of net charge-offs (x) | 32.3973% | 1,109 |
| Efficiency ratio | 62.9890% | 5,059 |
| Assets per employee ($millions) | 5.3273% | 1,817 |
| Cash dividends to net income (ytd only)* | 71.6449% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 4,638 |
| Loan loss allowance to noncurrent loans | 370.7224% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 5,911 |
| Noncurrent loans to loans | 0.3248% | 5,210 |
| Net loans and leases to total assets | 41.7116% | 5,841 |
| Net loans and leases to deposits | 48.7670% | 5,846 |
| Net loans and leases to core deposits | 51.4676% | 5,837 |
| Total domestic deposits to total assets | 85.5325% | 3,494 |
| Equity capital to assets | 10.0688% | 3,671 |
| Core capital (leverage) ratio | 10.4100% | 3,010 |
| Tier 1 risk-based capital ratio | 17.0955% | 2,565 |
| Total risk-based capital ratio | 17.9379% | 2,721 |
| Memoranda: | ||
| Average total assets | $183,468,800 | 3,237 |
| Average earning assets | $168,353,800 | 3,237 |
| Average equity | $19,422,400 | 3,223 |
| Average total loans | $77,831,000 | 4,005 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 5,088 |
| Cost of funding earning assets | 0.5584% | 3,177 |
| Net interest margin | 3.1710% | 5,083 |
| Noninterest income to average assets | 0.5829% | 3,258 |
| Noninterest expense to average assets | 2.2507% | 5,475 |
| Loan and lease loss provision to assets | 0.0110% | 4,773 |
| Net operating income to assets | 1.2290% | 1,535 |
| Return on assets (ROA) | 1.2503% | 1,558 |
| Pretax return on assets | 1.2518% | 2,506 |
| Return on Equity (ROE) | 11.6601% | 1,594 |
| Retained earnings to average equity (ytd only) | 3.2835% | 4,341 |
| Net charge-offs to loans | 0.1211% | 3,338 |
| Credit loss provision to net charge-offs | 21.4286% | 4,050 |
| Earnings coverage of net charge-offs (x) | 24.1288% | 1,436 |
| Efficiency ratio | 64.4496% | 4,731 |
| Assets per employee ($millions) | 5.2472% | 1,898 |
| Cash dividends to net income (ytd only)* | 71.8401% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 4,792 |
| Loan loss allowance to noncurrent loans | 326.0000% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,950 |
| Noncurrent loans to loans | 0.3738% | 5,280 |
| Net loans and leases to total assets | 43.1737% | 5,803 |
| Net loans and leases to deposits | 49.9405% | 5,837 |
| Net loans and leases to core deposits | 52.9087% | 5,837 |
| Total domestic deposits to total assets | 86.4504% | 2,988 |
| Equity capital to assets | 10.4579% | 3,331 |
| Core capital (leverage) ratio | 10.8349% | 2,634 |
| Tier 1 risk-based capital ratio | 17.2557% | 2,606 |
| Total risk-based capital ratio | 18.1171% | 2,721 |
| Memoranda: | ||
| Average total assets | $181,390,750 | 3,285 |
| Average earning assets | $166,422,500 | 3,297 |
| Average equity | $19,450,500 | 3,251 |
| Average total loans | $77,046,250 | 4,055 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 5,256 |
| Cost of funding earning assets | 0.5770% | 3,150 |
| Net interest margin | 3.0844% | 5,320 |
| Noninterest income to average assets | 0.6388% | 2,972 |
| Noninterest expense to average assets | 2.3317% | 5,270 |
| Loan and lease loss provision to assets | 0.0166% | 4,562 |
| Net operating income to assets | 1.1116% | 1,886 |
| Return on assets (ROA) | 1.1437% | 1,884 |
| Pretax return on assets | 1.1459% | 2,904 |
| Return on Equity (ROE) | 10.5775% | 1,979 |
| Retained earnings to average equity (ytd only) | 2.3858% | 4,782 |
| Net charge-offs to loans | 0.0527% | 3,941 |
| Credit loss provision to net charge-offs | 75.0000% | 2,718 |
| Earnings coverage of net charge-offs (x) | 51.0500% | 792 |
| Efficiency ratio | 67.3489% | 4,300 |
| Assets per employee ($millions) | 4.6267% | 2,611 |
| Cash dividends to net income (ytd only)* | 77.4443% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,209 |
| Loan loss allowance to noncurrent loans | 356.9444% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 5,419 |
| Noncurrent loans to loans | 0.3810% | 5,323 |
| Net loans and leases to total assets | 43.5524% | 5,782 |
| Net loans and leases to deposits | 49.6921% | 5,863 |
| Net loans and leases to core deposits | 50.4411% | 6,002 |
| Total domestic deposits to total assets | 87.6447% | 2,469 |
| Equity capital to assets | 11.2712% | 2,498 |
| Core capital (leverage) ratio | 10.8413% | 2,510 |
| Tier 1 risk-based capital ratio | 18.3847% | 2,181 |
| Total risk-based capital ratio | 19.3617% | 2,241 |
| Memoranda: | ||
| Average total assets | $180,637,330 | 3,303 |
| Average earning assets | $165,348,330 | 3,322 |
| Average equity | $19,532,000 | 3,255 |
| Average total loans | $75,972,670 | 4,105 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7595% | 4,962 |
| Cost of funding earning assets | 0.5897% | 3,208 |
| Net interest margin | 3.1698% | 5,029 |
| Noninterest income to average assets | 0.5481% | 3,454 |
| Noninterest expense to average assets | 2.2788% | 5,477 |
| Loan and lease loss provision to assets | 0.0324% | 4,040 |
| Net operating income to assets | 1.1092% | 1,820 |
| Return on assets (ROA) | 1.1092% | 1,928 |
| Pretax return on assets | 1.1135% | 2,902 |
| Return on Equity (ROE) | 10.4628% | 1,892 |
| Retained earnings to average equity (ytd only) | 2.6462% | 4,696 |
| Net charge-offs to loans | 0.1943% | 2,248 |
| Credit loss provision to net charge-offs | 40.5405% | 2,740 |
| Earnings coverage of net charge-offs (x) | 14.3514% | 1,457 |
| Efficiency ratio | 66.5406% | 4,569 |
| Assets per employee ($millions) | 4.5907% | 2,813 |
| Cash dividends to net income (ytd only)* | 74.7082% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 4,447 |
| Loan loss allowance to noncurrent loans | 334.7682% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 4,122 |
| Noncurrent loans to loans | 0.4045% | 5,413 |
| Net loans and leases to total assets | 41.1321% | 5,906 |
| Net loans and leases to deposits | 49.9457% | 5,789 |
| Net loans and leases to core deposits | 50.7120% | 5,917 |
| Total domestic deposits to total assets | 82.3535% | 5,074 |
| Equity capital to assets | 11.0284% | 2,929 |
| Core capital (leverage) ratio | 10.4014% | 2,900 |
| Tier 1 risk-based capital ratio | 17.7708% | 2,457 |
| Total risk-based capital ratio | 18.7045% | 2,539 |
| Memoranda: | ||
| Average total assets | $185,361,500 | 3,292 |
| Average earning assets | $168,214,000 | 3,306 |
| Average equity | $19,650,500 | 3,292 |
| Average total loans | $76,166,500 | 4,129 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 4,516 |
| Cost of funding earning assets | 0.7705% | 2,910 |
| Net interest margin | 3.4477% | 4,710 |
| Noninterest income to average assets | 0.5728% | 3,435 |
| Noninterest expense to average assets | 2.2797% | 5,745 |
| Loan and lease loss provision to assets | 0.1143% | 4,207 |
| Net operating income to assets | 1.3230% | 1,250 |
| Return on assets (ROA) | 1.3230% | 1,380 |
| Pretax return on assets | 1.3241% | 2,305 |
| Return on Equity (ROE) | 12.3543% | 1,403 |
| Retained earnings to average equity (ytd only) | 2.0692% | 4,767 |
| Net charge-offs to loans | 0.5318% | 2,131 |
| Credit loss provision to net charge-offs | 47.4041% | 4,756 |
| Earnings coverage of net charge-offs (x) | 5.9639% | 2,906 |
| Efficiency ratio | 61.3121% | 5,342 |
| Assets per employee ($millions) | 4.9150% | 2,338 |
| Cash dividends to net income (ytd only)* | 83.2510% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 4,499 |
| Loan loss allowance to noncurrent loans | 125.0605% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1227% | 3,780 |
| Noncurrent loans to loans | 1.0633% | 4,085 |
| Net loans and leases to total assets | 39.9859% | 6,167 |
| Net loans and leases to deposits | 50.4562% | 5,927 |
| Net loans and leases to core deposits | 51.2004% | 6,074 |
| Total domestic deposits to total assets | 79.2488% | 5,837 |
| Equity capital to assets | 10.2022% | 3,888 |
| Core capital (leverage) ratio | 10.1929% | 3,153 |
| Tier 1 risk-based capital ratio | 16.8934% | 2,703 |
| Total risk-based capital ratio | 17.8065% | 2,836 |
| Memoranda: | ||
| Average total assets | $183,667,200 | 3,266 |
| Average earning assets | $167,562,200 | 3,264 |
| Average equity | $19,669,200 | 3,234 |
| Average total loans | $83,301,400 | 3,927 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2952% | 4,469 |
| Cost of funding earning assets | 0.8131% | 2,839 |
| Net interest margin | 3.4821% | 4,710 |
| Noninterest income to average assets | 0.5490% | 3,620 |
| Noninterest expense to average assets | 2.3002% | 5,676 |
| Loan and lease loss provision to assets | 0.1358% | 3,851 |
| Net operating income to assets | 1.3050% | 1,432 |
| Return on assets (ROA) | 1.3050% | 1,574 |
| Pretax return on assets | 1.3064% | 2,584 |
| Return on Equity (ROE) | 12.0351% | 1,630 |
| Retained earnings to average equity (ytd only) | 1.4486% | 5,603 |
| Net charge-offs to loans | 0.6532% | 1,675 |
| Credit loss provision to net charge-offs | 44.5783% | 4,517 |
| Earnings coverage of net charge-offs (x) | 4.7349% | 3,216 |
| Efficiency ratio | 61.4630% | 5,235 |
| Assets per employee ($millions) | 4.9721% | 2,224 |
| Cash dividends to net income (ytd only)* | 87.9639% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,068 |
| Loan loss allowance to noncurrent loans | 111.1588% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 3,870 |
| Noncurrent loans to loans | 1.1197% | 4,187 |
| Net loans and leases to total assets | 45.9233% | 5,772 |
| Net loans and leases to deposits | 54.6394% | 5,753 |
| Net loans and leases to core deposits | 55.5492% | 5,925 |
| Total domestic deposits to total assets | 84.0481% | 4,197 |
| Equity capital to assets | 11.0881% | 3,167 |
| Core capital (leverage) ratio | 10.3439% | 3,112 |
| Tier 1 risk-based capital ratio | 16.5153% | 2,990 |
| Total risk-based capital ratio | 17.4198% | 3,153 |
| Memoranda: | ||
| Average total assets | $181,662,750 | 3,319 |
| Average earning assets | $166,599,750 | 3,315 |
| Average equity | $19,697,500 | 3,268 |
| Average total loans | $84,706,750 | 3,930 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 4,522 |
| Cost of funding earning assets | 0.8331% | 2,926 |
| Net interest margin | 3.4782% | 4,770 |
| Noninterest income to average assets | 0.6343% | 3,044 |
| Noninterest expense to average assets | 2.2832% | 5,785 |
| Loan and lease loss provision to assets | 0.1753% | 3,349 |
| Net operating income to assets | 1.3618% | 1,279 |
| Return on assets (ROA) | 1.3618% | 1,439 |
| Pretax return on assets | 1.3640% | 2,336 |
| Return on Equity (ROE) | 12.6529% | 1,457 |
| Retained earnings to average equity (ytd only) | 1.6083% | 5,405 |
| Net charge-offs to loans | 0.9860% | 1,126 |
| Credit loss provision to net charge-offs | 38.0952% | 4,308 |
| Earnings coverage of net charge-offs (x) | 3.3452% | 3,409 |
| Efficiency ratio | 59.7306% | 5,620 |
| Assets per employee ($millions) | 4.9428% | 2,249 |
| Cash dividends to net income (ytd only)* | 87.2888% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 5,373 |
| Loan loss allowance to noncurrent loans | 107.7088% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 3,913 |
| Noncurrent loans to loans | 1.1106% | 4,302 |
| Net loans and leases to total assets | 46.6969% | 5,759 |
| Net loans and leases to deposits | 55.8747% | 5,662 |
| Net loans and leases to core deposits | 56.7161% | 5,886 |
| Total domestic deposits to total assets | 83.5743% | 4,498 |
| Equity capital to assets | 11.0790% | 3,038 |
| Core capital (leverage) ratio | 10.2998% | 3,049 |
| Tier 1 risk-based capital ratio | 16.4889% | 2,921 |
| Total risk-based capital ratio | 17.3683% | 3,078 |
| Memoranda: | ||
| Average total assets | $182,552,330 | 3,318 |
| Average earning assets | $167,327,000 | 3,307 |
| Average equity | $19,647,670 | 3,265 |
| Average total loans | $85,197,000 | 3,939 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 4,475 |
| Cost of funding earning assets | 0.8547% | 3,024 |
| Net interest margin | 3.5062% | 4,664 |
| Noninterest income to average assets | 0.6621% | 2,856 |
| Noninterest expense to average assets | 2.2504% | 5,897 |
| Loan and lease loss provision to assets | 0.1839% | 3,135 |
| Net operating income to assets | 1.4368% | 1,149 |
| Return on assets (ROA) | 1.4368% | 1,288 |
| Pretax return on assets | 1.4411% | 2,052 |
| Return on Equity (ROE) | 13.5410% | 1,286 |
| Retained earnings to average equity (ytd only) | 3.8543% | 4,275 |
| Net charge-offs to loans | 0.1399% | 3,261 |
| Credit loss provision to net charge-offs | 283.3333% | 1,033 |
| Earnings coverage of net charge-offs (x) | 25.0333% | 1,041 |
| Efficiency ratio | 58.0681% | 5,903 |
| Assets per employee ($millions) | 5.0013% | 2,250 |
| Cash dividends to net income (ytd only)* | 71.5361% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 4,022 |
| Loan loss allowance to noncurrent loans | 58.0404% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5085% | 3,595 |
| Noncurrent loans to loans | 2.6384% | 2,464 |
| Net loans and leases to total assets | 47.1799% | 5,655 |
| Net loans and leases to deposits | 56.8088% | 5,512 |
| Net loans and leases to core deposits | 57.6571% | 5,743 |
| Total domestic deposits to total assets | 83.0503% | 4,902 |
| Equity capital to assets | 10.9839% | 2,922 |
| Core capital (leverage) ratio | 10.1581% | 3,166 |
| Tier 1 risk-based capital ratio | 16.6571% | 2,833 |
| Total risk-based capital ratio | 17.8218% | 2,837 |
| Memoranda: | ||
| Average total assets | $184,858,000 | 3,301 |
| Average earning assets | $169,412,000 | 3,297 |
| Average equity | $19,614,500 | 3,272 |
| Average total loans | $85,746,000 | 3,945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 4,593 |
| Cost of funding earning assets | 1.0261% | 3,186 |
| Net interest margin | 3.5929% | 4,762 |
| Noninterest income to average assets | 0.4310% | 4,367 |
| Noninterest expense to average assets | 2.3237% | 5,991 |
| Loan and lease loss provision to assets | 0.2254% | 3,950 |
| Net operating income to assets | 1.1916% | 1,527 |
| Return on assets (ROA) | 1.2607% | 1,446 |
| Pretax return on assets | 1.2618% | 2,267 |
| Return on Equity (ROE) | 12.4669% | 1,287 |
| Retained earnings to average equity (ytd only) | 3.5845% | 3,675 |
| Net charge-offs to loans | 0.3482% | 3,657 |
| Credit loss provision to net charge-offs | 142.2819% | 2,047 |
| Earnings coverage of net charge-offs (x) | 8.9530% | 2,059 |
| Efficiency ratio | 62.1023% | 5,443 |
| Assets per employee ($millions) | 5.2686% | 1,861 |
| Cash dividends to net income (ytd only)* | 71.2479% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 4,091 |
| Loan loss allowance to noncurrent loans | 90.2352% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1019% | 4,413 |
| Noncurrent loans to loans | 1.6462% | 3,694 |
| Net loans and leases to total assets | 44.2661% | 6,182 |
| Net loans and leases to deposits | 55.8947% | 5,908 |
| Net loans and leases to core deposits | 56.7182% | 6,105 |
| Total domestic deposits to total assets | 79.1956% | 5,947 |
| Equity capital to assets | 10.2562% | 3,839 |
| Core capital (leverage) ratio | 9.8275% | 3,551 |
| Tier 1 risk-based capital ratio | 16.3945% | 2,865 |
| Total risk-based capital ratio | 17.5042% | 2,895 |
| Memoranda: | ||
| Average total assets | $188,145,600 | 3,208 |
| Average earning assets | $173,368,000 | 3,182 |
| Average equity | $19,026,400 | 3,277 |
| Average total loans | $85,575,600 | 3,978 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 4,572 |
| Cost of funding earning assets | 1.0583% | 3,265 |
| Net interest margin | 3.6165% | 4,701 |
| Noninterest income to average assets | 0.4161% | 4,538 |
| Noninterest expense to average assets | 2.3774% | 5,825 |
| Loan and lease loss provision to assets | 0.2478% | 3,528 |
| Net operating income to assets | 1.1333% | 1,867 |
| Return on assets (ROA) | 1.2256% | 1,692 |
| Pretax return on assets | 1.2270% | 2,534 |
| Return on Equity (ROE) | 12.1634% | 1,503 |
| Retained earnings to average equity (ytd only) | 3.2135% | 4,421 |
| Net charge-offs to loans | 0.4483% | 2,932 |
| Credit loss provision to net charge-offs | 121.1806% | 2,674 |
| Earnings coverage of net charge-offs (x) | 6.7604% | 2,494 |
| Efficiency ratio | 63.2295% | 5,191 |
| Assets per employee ($millions) | 5.1974% | 1,934 |
| Cash dividends to net income (ytd only)* | 73.5804% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 4,616 |
| Loan loss allowance to noncurrent loans | 75.4871% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.2175% | 4,359 |
| Noncurrent loans to loans | 1.8392% | 3,583 |
| Net loans and leases to total assets | 45.5923% | 6,181 |
| Net loans and leases to deposits | 55.1882% | 6,107 |
| Net loans and leases to core deposits | 55.9710% | 6,323 |
| Total domestic deposits to total assets | 82.6125% | 4,830 |
| Equity capital to assets | 10.3920% | 3,844 |
| Core capital (leverage) ratio | 9.6239% | 3,961 |
| Tier 1 risk-based capital ratio | 16.0657% | 3,082 |
| Total risk-based capital ratio | 17.1099% | 3,144 |
| Memoranda: | ||
| Average total assets | $187,764,250 | 3,235 |
| Average earning assets | $173,608,250 | 3,188 |
| Average equity | $18,919,750 | 3,299 |
| Average total loans | $85,663,000 | 4,017 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7120% | 4,484 |
| Cost of funding earning assets | 1.0987% | 3,250 |
| Net interest margin | 3.6133% | 4,669 |
| Noninterest income to average assets | 0.3894% | 4,763 |
| Noninterest expense to average assets | 2.3789% | 5,907 |
| Loan and lease loss provision to assets | 0.1596% | 4,324 |
| Net operating income to assets | 1.1937% | 1,591 |
| Return on assets (ROA) | 1.3320% | 1,314 |
| Pretax return on assets | 1.3342% | 2,019 |
| Return on Equity (ROE) | 13.3582% | 1,122 |
| Retained earnings to average equity (ytd only) | 1.9205% | 5,020 |
| Net charge-offs to loans | -0.0281% | 6,905 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7037% | 5,294 |
| Assets per employee ($millions) | 5.2388% | 1,833 |
| Cash dividends to net income (ytd only)* | 85.6230% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 4,130 |
| Loan loss allowance to noncurrent loans | 182.0979% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 5,522 |
| Noncurrent loans to loans | 0.8239% | 5,284 |
| Net loans and leases to total assets | 45.3270% | 6,321 |
| Net loans and leases to deposits | 56.9562% | 6,054 |
| Net loans and leases to core deposits | 57.7847% | 6,286 |
| Total domestic deposits to total assets | 79.5823% | 5,932 |
| Equity capital to assets | 10.1805% | 3,901 |
| Core capital (leverage) ratio | 9.3357% | 4,195 |
| Tier 1 risk-based capital ratio | 15.7792% | 3,090 |
| Total risk-based capital ratio | 16.9080% | 3,119 |
| Memoranda: | ||
| Average total assets | $187,983,670 | 3,255 |
| Average earning assets | $174,022,000 | 3,202 |
| Average equity | $18,745,000 | 3,295 |
| Average total loans | $85,381,670 | 4,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7411% | 4,327 |
| Cost of funding earning assets | 1.1108% | 3,449 |
| Net interest margin | 3.6303% | 4,430 |
| Noninterest income to average assets | 0.4113% | 4,613 |
| Noninterest expense to average assets | 2.3636% | 6,009 |
| Loan and lease loss provision to assets | 0.1598% | 4,032 |
| Net operating income to assets | 1.2340% | 1,444 |
| Return on assets (ROA) | 1.5111% | 895 |
| Pretax return on assets | 1.5154% | 1,405 |
| Return on Equity (ROE) | 15.3152% | 774 |
| Retained earnings to average equity (ytd only) | 3.4562% | 4,116 |
| Net charge-offs to loans | -0.0472% | 6,862 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8329% | 5,548 |
| Assets per employee ($millions) | 5.3741% | 1,692 |
| Cash dividends to net income (ytd only)* | 77.4330% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,413 |
| Loan loss allowance to noncurrent loans | 165.9892% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,655 |
| Noncurrent loans to loans | 0.8771% | 5,294 |
| Net loans and leases to total assets | 42.8566% | 6,555 |
| Net loans and leases to deposits | 52.2520% | 6,456 |
| Net loans and leases to core deposits | 52.8846% | 6,630 |
| Total domestic deposits to total assets | 82.0191% | 5,309 |
| Equity capital to assets | 9.5629% | 4,351 |
| Core capital (leverage) ratio | 9.5327% | 3,753 |
| Tier 1 risk-based capital ratio | 15.9859% | 2,904 |
| Total risk-based capital ratio | 17.0629% | 2,956 |
| Memoranda: | ||
| Average total assets | $187,677,500 | 3,270 |
| Average earning assets | $173,210,500 | 3,252 |
| Average equity | $18,517,500 | 3,322 |
| Average total loans | $84,679,000 | 4,117 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 4,235 |
| Cost of funding earning assets | 1.3184% | 3,762 |
| Net interest margin | 3.7519% | 4,144 |
| Noninterest income to average assets | 0.5032% | 4,144 |
| Noninterest expense to average assets | 2.4898% | 5,842 |
| Loan and lease loss provision to assets | 0.2319% | 4,960 |
| Net operating income to assets | 1.2223% | 1,365 |
| Return on assets (ROA) | 1.2320% | 1,409 |
| Pretax return on assets | 1.2372% | 2,116 |
| Return on Equity (ROE) | 11.6343% | 1,410 |
| Retained earnings to average equity (ytd only) | 5.6550% | 2,016 |
| Net charge-offs to loans | 0.4369% | 3,867 |
| Credit loss provision to net charge-offs | 107.7128% | 4,116 |
| Earnings coverage of net charge-offs (x) | 6.7793% | 2,279 |
| Efficiency ratio | 63.0473% | 5,504 |
| Assets per employee ($millions) | 4.9159% | 2,266 |
| Cash dividends to net income (ytd only)* | 51.3941% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3377% | 4,809 |
| Loan loss allowance to noncurrent loans | 169.3908% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 5,681 |
| Noncurrent loans to loans | 0.7897% | 5,460 |
| Net loans and leases to total assets | 46.2260% | 6,538 |
| Net loans and leases to deposits | 56.5673% | 6,395 |
| Net loans and leases to core deposits | 57.1992% | 6,624 |
| Total domestic deposits to total assets | 81.7185% | 5,286 |
| Equity capital to assets | 10.1897% | 3,515 |
| Core capital (leverage) ratio | 9.9190% | 3,181 |
| Tier 1 risk-based capital ratio | 16.0970% | 2,705 |
| Total risk-based capital ratio | 17.1152% | 2,771 |
| Memoranda: | ||
| Average total assets | $174,672,000 | 3,457 |
| Average earning assets | $160,426,000 | 3,440 |
| Average equity | $18,497,000 | 3,354 |
| Average total loans | $86,066,800 | 4,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0969% | 4,332 |
| Cost of funding earning assets | 1.3574% | 3,851 |
| Net interest margin | 3.7395% | 4,234 |
| Noninterest income to average assets | 0.4281% | 4,736 |
| Noninterest expense to average assets | 2.5105% | 5,678 |
| Loan and lease loss provision to assets | 0.2545% | 4,544 |
| Net operating income to assets | 1.0791% | 1,969 |
| Return on assets (ROA) | 1.0860% | 2,049 |
| Pretax return on assets | 1.0929% | 2,849 |
| Return on Equity (ROE) | 10.1542% | 2,064 |
| Retained earnings to average equity (ytd only) | 7.6445% | 1,539 |
| Net charge-offs to loans | 0.5780% | 3,011 |
| Credit loss provision to net charge-offs | 88.2353% | 4,840 |
| Earnings coverage of net charge-offs (x) | 4.6471% | 2,964 |
| Efficiency ratio | 65.1913% | 5,017 |
| Assets per employee ($millions) | 4.7367% | 2,542 |
| Cash dividends to net income (ytd only)* | 24.7159% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 5,519 |
| Loan loss allowance to noncurrent loans | 150.0703% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7087% | 5,693 |
| Noncurrent loans to loans | 0.7960% | 5,622 |
| Net loans and leases to total assets | 50.3546% | 6,286 |
| Net loans and leases to deposits | 61.2565% | 6,189 |
| Net loans and leases to core deposits | 62.1849% | 6,451 |
| Total domestic deposits to total assets | 82.2029% | 4,913 |
| Equity capital to assets | 10.9181% | 3,036 |
| Core capital (leverage) ratio | 10.0241% | 3,230 |
| Tier 1 risk-based capital ratio | 15.7776% | 2,869 |
| Total risk-based capital ratio | 16.7110% | 2,991 |
| Memoranda: | ||
| Average total assets | $172,867,750 | 3,530 |
| Average earning assets | $158,236,500 | 3,528 |
| Average equity | $18,487,750 | 3,400 |
| Average total loans | $86,278,500 | 4,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0300% | 4,804 |
| Cost of funding earning assets | 1.3959% | 3,900 |
| Net interest margin | 3.6341% | 4,666 |
| Noninterest income to average assets | 0.3894% | 4,999 |
| Noninterest expense to average assets | 2.5315% | 5,603 |
| Loan and lease loss provision to assets | 0.2964% | 4,020 |
| Net operating income to assets | 0.8707% | 2,658 |
| Return on assets (ROA) | 0.8810% | 2,746 |
| Pretax return on assets | 0.8915% | 3,530 |
| Return on Equity (ROE) | 8.2968% | 2,764 |
| Retained earnings to average equity (ytd only) | 5.5166% | 2,599 |
| Net charge-offs to loans | 0.8374% | 2,160 |
| Credit loss provision to net charge-offs | 71.4286% | 4,927 |
| Earnings coverage of net charge-offs (x) | 2.8375% | 3,567 |
| Efficiency ratio | 68.2545% | 4,532 |
| Assets per employee ($millions) | 5.8649% | 1,324 |
| Cash dividends to net income (ytd only)* | 33.5092% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,577 |
| Loan loss allowance to noncurrent loans | 159.3997% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 5,803 |
| Noncurrent loans to loans | 0.7370% | 5,782 |
| Net loans and leases to total assets | 48.2446% | 6,607 |
| Net loans and leases to deposits | 61.4610% | 6,276 |
| Net loans and leases to core deposits | 62.5682% | 6,507 |
| Total domestic deposits to total assets | 78.4964% | 6,148 |
| Equity capital to assets | 10.7481% | 3,128 |
| Core capital (leverage) ratio | 10.0763% | 3,091 |
| Tier 1 risk-based capital ratio | 15.8371% | 2,746 |
| Total risk-based capital ratio | 16.7512% | 2,859 |
| Memoranda: | ||
| Average total assets | $172,070,670 | 3,570 |
| Average earning assets | $157,178,000 | 3,569 |
| Average equity | $18,272,000 | 3,421 |
| Average total loans | $85,265,330 | 4,283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 4,839 |
| Cost of funding earning assets | 1.4447% | 3,907 |
| Net interest margin | 3.5950% | 4,755 |
| Noninterest income to average assets | 0.3574% | 5,279 |
| Noninterest expense to average assets | 2.5298% | 5,615 |
| Loan and lease loss provision to assets | 0.1763% | 4,757 |
| Net operating income to assets | 0.8887% | 2,599 |
| Return on assets (ROA) | 0.8887% | 2,666 |
| Pretax return on assets | 0.9099% | 3,429 |
| Return on Equity (ROE) | 8.4222% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.2859% | 2,019 |
| Net charge-offs to loans | -0.0330% | 7,221 |
| Credit loss provision to net charge-offs | -1,071.4286% | 6,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9610% | 4,307 |
| Assets per employee ($millions) | 4.7331% | 2,596 |
| Cash dividends to net income (ytd only)* | 13.4921% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,410 |
| Loan loss allowance to noncurrent loans | 108.0616% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 1.5001% | 4,256 |
| Noncurrent loans to loans | 1.2978% | 4,808 |
| Net loans and leases to total assets | 49.2262% | 6,554 |
| Net loans and leases to deposits | 58.0524% | 6,621 |
| Net loans and leases to core deposits | 59.2758% | 6,799 |
| Total domestic deposits to total assets | 84.7961% | 3,763 |
| Equity capital to assets | 10.6261% | 3,123 |
| Core capital (leverage) ratio | 10.3264% | 2,783 |
| Tier 1 risk-based capital ratio | 16.1948% | 2,568 |
| Total risk-based capital ratio | 17.3114% | 2,584 |
| Memoranda: | ||
| Average total assets | $170,132,500 | 3,657 |
| Average earning assets | $154,215,500 | 3,687 |
| Average equity | $17,952,500 | 3,493 |
| Average total loans | $84,951,000 | 4,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 5,119 |
| Cost of funding earning assets | 1.6085% | 4,991 |
| Net interest margin | 3.7038% | 4,128 |
| Noninterest income to average assets | 0.4181% | 5,059 |
| Noninterest expense to average assets | 2.4866% | 6,182 |
| Loan and lease loss provision to assets | 0.7297% | 2,919 |
| Net operating income to assets | 0.5854% | 3,384 |
| Return on assets (ROA) | 0.6213% | 3,316 |
| Pretax return on assets | 0.6213% | 3,842 |
| Return on Equity (ROE) | 5.5389% | 3,405 |
| Retained earnings to average equity (ytd only) | -2.6176% | 5,632 |
| Net charge-offs to loans | 2.1977% | 1,088 |
| Credit loss provision to net charge-offs | 62.7597% | 6,602 |
| Earnings coverage of net charge-offs (x) | 1.1311% | 4,984 |
| Efficiency ratio | 65.4066% | 5,515 |
| Assets per employee ($millions) | 4.8535% | 2,402 |
| Cash dividends to net income (ytd only)* | 147.2582% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,698 |
| Loan loss allowance to noncurrent loans | 95.3648% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 4,067 |
| Noncurrent loans to loans | 1.3733% | 4,628 |
| Net loans and leases to total assets | 49.2842% | 6,704 |
| Net loans and leases to deposits | 59.1685% | 6,695 |
| Net loans and leases to core deposits | 65.3866% | 7,012 |
| Total domestic deposits to total assets | 83.2947% | 4,385 |
| Equity capital to assets | 10.4778% | 3,205 |
| Core capital (leverage) ratio | 10.1011% | 2,994 |
| Tier 1 risk-based capital ratio | 16.0694% | 2,494 |
| Total risk-based capital ratio | 17.1210% | 2,510 |
| Memoranda: | ||
| Average total assets | $161,426,800 | 3,742 |
| Average earning assets | $147,468,200 | 3,755 |
| Average equity | $18,108,200 | 3,492 |
| Average total loans | $85,405,600 | 4,348 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 4,932 |
| Cost of funding earning assets | 1.6288% | 5,265 |
| Net interest margin | 3.7747% | 3,760 |
| Noninterest income to average assets | 0.4343% | 5,003 |
| Noninterest expense to average assets | 2.5919% | 5,741 |
| Loan and lease loss provision to assets | 0.1967% | 5,421 |
| Net operating income to assets | 1.1156% | 1,688 |
| Return on assets (ROA) | 1.1641% | 1,610 |
| Pretax return on assets | 1.1641% | 2,371 |
| Return on Equity (ROE) | 10.1983% | 1,846 |
| Retained earnings to average equity (ytd only) | -0.2493% | 5,274 |
| Net charge-offs to loans | 0.3725% | 3,787 |
| Credit loss provision to net charge-offs | 98.3264% | 5,205 |
| Earnings coverage of net charge-offs (x) | 6.5606% | 2,580 |
| Efficiency ratio | 66.3880% | 5,304 |
| Assets per employee ($millions) | 4.4034% | 3,026 |
| Cash dividends to net income (ytd only)* | 102.4442% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1357% | 1,530 |
| Loan loss allowance to noncurrent loans | 93.5267% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 4,504 |
| Noncurrent loans to loans | 2.2835% | 3,283 |
| Net loans and leases to total assets | 53.6968% | 6,420 |
| Net loans and leases to deposits | 62.3795% | 6,633 |
| Net loans and leases to core deposits | 69.2041% | 7,005 |
| Total domestic deposits to total assets | 86.0809% | 2,668 |
| Equity capital to assets | 11.8895% | 2,298 |
| Core capital (leverage) ratio | 11.1176% | 2,318 |
| Tier 1 risk-based capital ratio | 17.2817% | 2,191 |
| Total risk-based capital ratio | 18.5380% | 2,137 |
| Memoranda: | ||
| Average total assets | $159,315,000 | 3,808 |
| Average earning assets | $146,446,250 | 3,789 |
| Average equity | $18,185,500 | 3,503 |
| Average total loans | $85,549,000 | 4,380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4203% | 5,038 |
| Cost of funding earning assets | 1.6316% | 5,602 |
| Net interest margin | 3.7887% | 3,595 |
| Noninterest income to average assets | 0.4570% | 4,806 |
| Noninterest expense to average assets | 2.5496% | 5,946 |
| Loan and lease loss provision to assets | 0.1118% | 6,026 |
| Net operating income to assets | 1.2791% | 1,281 |
| Return on assets (ROA) | 1.3512% | 1,192 |
| Pretax return on assets | 1.3512% | 1,869 |
| Return on Equity (ROE) | 11.9960% | 1,410 |
| Retained earnings to average equity (ytd only) | -1.6649% | 5,664 |
| Net charge-offs to loans | 0.5752% | 2,602 |
| Credit loss provision to net charge-offs | 36.4372% | 5,953 |
| Earnings coverage of net charge-offs (x) | 4.5344% | 3,075 |
| Efficiency ratio | 64.7022% | 5,771 |
| Assets per employee ($millions) | 4.0712% | 3,553 |
| Cash dividends to net income (ytd only)* | 113.8787% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9426% | 1,688 |
| Loan loss allowance to noncurrent loans | 75.4450% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5304% | 3,927 |
| Noncurrent loans to loans | 2.5749% | 2,816 |
| Net loans and leases to total assets | 56.9294% | 6,095 |
| Net loans and leases to deposits | 66.9658% | 6,295 |
| Net loans and leases to core deposits | 74.1658% | 6,779 |
| Total domestic deposits to total assets | 85.0127% | 3,253 |
| Equity capital to assets | 12.4075% | 1,970 |
| Core capital (leverage) ratio | 11.1758% | 2,275 |
| Tier 1 risk-based capital ratio | 17.3952% | 2,177 |
| Total risk-based capital ratio | 18.6501% | 2,127 |
| Memoranda: | ||
| Average total assets | $161,047,000 | 3,806 |
| Average earning assets | $148,071,670 | 3,779 |
| Average equity | $18,139,330 | 3,530 |
| Average total loans | $85,877,670 | 4,404 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 5,333 |
| Cost of funding earning assets | 1.6208% | 5,942 |
| Net interest margin | 3.7956% | 3,458 |
| Noninterest income to average assets | 0.4682% | 4,607 |
| Noninterest expense to average assets | 2.2604% | 6,658 |
| Loan and lease loss provision to assets | 0.1070% | 5,598 |
| Net operating income to assets | 1.6020% | 783 |
| Return on assets (ROA) | 1.7399% | 650 |
| Pretax return on assets | 1.7399% | 1,100 |
| Return on Equity (ROE) | 16.1621% | 796 |
| Retained earnings to average equity (ytd only) | 5.6744% | 2,789 |
| Net charge-offs to loans | -0.1855% | 7,999 |
| Credit loss provision to net charge-offs | -112.5000% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9461% | 6,841 |
| Assets per employee ($millions) | 4.0216% | 3,622 |
| Cash dividends to net income (ytd only)* | 64.8907% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2396% | 1,031 |
| Loan loss allowance to noncurrent loans | 59.0159% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 2.1929% | 2,605 |
| Noncurrent loans to loans | 3.7949% | 1,623 |
| Net loans and leases to total assets | 55.5907% | 6,297 |
| Net loans and leases to deposits | 65.6130% | 6,409 |
| Net loans and leases to core deposits | 74.2241% | 6,798 |
| Total domestic deposits to total assets | 84.7251% | 3,342 |
| Equity capital to assets | 12.4005% | 2,030 |
| Core capital (leverage) ratio | 10.6294% | 2,805 |
| Tier 1 risk-based capital ratio | 17.7971% | 2,102 |
| Total risk-based capital ratio | 19.0554% | 2,047 |
| Memoranda: | ||
| Average total assets | $168,288,500 | 3,683 |
| Average earning assets | $155,231,500 | 3,662 |
| Average equity | $18,116,500 | 3,552 |
| Average total loans | $86,271,000 | 4,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8401% | 6,295 |
| Cost of funding earning assets | 2.2259% | 5,476 |
| Net interest margin | 3.6142% | 4,817 |
| Noninterest income to average assets | 0.2886% | 6,399 |
| Noninterest expense to average assets | 1.9539% | 7,532 |
| Loan and lease loss provision to assets | 0.4933% | 2,846 |
| Net operating income to assets | 1.1962% | 1,781 |
| Return on assets (ROA) | 1.3388% | 1,328 |
| Pretax return on assets | 1.3408% | 2,164 |
| Return on Equity (ROE) | 16.0326% | 770 |
| Retained earnings to average equity (ytd only) | 6.0314% | 1,518 |
| Net charge-offs to loans | 0.7669% | 1,617 |
| Credit loss provision to net charge-offs | 153.8462% | 3,395 |
| Earnings coverage of net charge-offs (x) | 5.2754% | 3,703 |
| Efficiency ratio | 53.5995% | 7,317 |
| Assets per employee ($millions) | 5.3651% | 1,561 |
| Cash dividends to net income (ytd only)* | 62.3803% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 1,135 |
| Loan loss allowance to noncurrent loans | 93.1070% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1343% | 4,007 |
| Noncurrent loans to loans | 2.2109% | 2,496 |
| Net loans and leases to total assets | 45.8618% | 7,344 |
| Net loans and leases to deposits | 64.3373% | 6,764 |
| Net loans and leases to core deposits | 75.9887% | 6,858 |
| Total domestic deposits to total assets | 71.2835% | 7,123 |
| Equity capital to assets | 9.4692% | 4,734 |
| Core capital (leverage) ratio | 7.6568% | 6,991 |
| Tier 1 risk-based capital ratio | 15.9178% | 2,697 |
| Total risk-based capital ratio | 17.1729% | 2,639 |
| Memoranda: | ||
| Average total assets | $202,721,200 | 3,107 |
| Average earning assets | $188,284,200 | 3,068 |
| Average equity | $16,928,000 | 3,751 |
| Average total loans | $84,762,000 | 4,373 |