Home > Central State Bank > Performance and Condition Ratios
Central State 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 | 5.1825% | 2,771 |
| Cost of funding earning assets | 2.6395% | 668 |
| Net interest margin | 2.5430% | 3,992 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.5941% | 4,151 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 0.8276% | 2,771 |
| Return on assets (ROA) | 0.8276% | 2,774 |
| Pretax return on assets | 0.8633% | 3,053 |
| Return on Equity (ROE) | 9.8100% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.8087% | 1,228 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.5183% | 2,527 |
| Assets per employee ($millions) | 10.2302% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 1,514 |
| Loan loss allowance to noncurrent loans | 364.3755% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4983% | 1,480 |
| Noncurrent loans to loans | 0.3689% | 2,198 |
| Net loans and leases to total assets | 78.5900% | 752 |
| Net loans and leases to deposits | 93.5751% | 793 |
| Net loans and leases to core deposits | 109.2679% | 878 |
| Total domestic deposits to total assets | 83.9900% | 2,903 |
| Equity capital to assets | 8.5872% | 3,242 |
| Core capital (leverage) ratio | 9.3928% | 3,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7284% | 1,969 |
| Memoranda: | ||
| Average total assets | $458,684,000 | 1,907 |
| Average earning assets | $422,497,500 | 1,907 |
| Average equity | $38,700,500 | 2,081 |
| Average total loans | $367,712,500 | 1,654 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2089% | 2,716 |
| Cost of funding earning assets | 2.9323% | 559 |
| Net interest margin | 2.2766% | 4,098 |
| Noninterest income to average assets | 0.1900% | 3,762 |
| Noninterest expense to average assets | 1.5798% | 4,196 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.6860% | 3,010 |
| Return on assets (ROA) | 0.6894% | 3,039 |
| Pretax return on assets | 0.6964% | 3,265 |
| Return on Equity (ROE) | 8.4500% | 2,612 |
| Retained earnings to average equity (ytd only) | 2.9956% | 3,040 |
| Net charge-offs to loans | 0.0079% | 2,626 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 112.2333% | 750 |
| Efficiency ratio | 68.0323% | 2,252 |
| Assets per employee ($millions) | 9.9350% | 796 |
| Cash dividends to net income (ytd only)* | 64.5291% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 1,555 |
| Loan loss allowance to noncurrent loans | 3,223.6842% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 2,311 |
| Noncurrent loans to loans | 0.0412% | 3,454 |
| Net loans and leases to total assets | 79.6000% | 705 |
| Net loans and leases to deposits | 96.3779% | 688 |
| Net loans and leases to core deposits | 113.8911% | 787 |
| Total domestic deposits to total assets | 82.5900% | 3,122 |
| Equity capital to assets | 8.2862% | 3,346 |
| Core capital (leverage) ratio | 9.0146% | 3,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1913% | 2,152 |
| Memoranda: | ||
| Average total assets | $468,235,600 | 1,844 |
| Average earning assets | $434,334,000 | 1,841 |
| Average equity | $38,223,000 | 2,043 |
| Average total loans | $379,509,400 | 1,596 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1392% | 2,784 |
| Cost of funding earning assets | 2.9143% | 582 |
| Net interest margin | 2.2249% | 4,147 |
| Noninterest income to average assets | 0.1700% | 3,870 |
| Noninterest expense to average assets | 1.5639% | 4,207 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.6431% | 3,108 |
| Return on assets (ROA) | 0.6431% | 3,132 |
| Pretax return on assets | 0.6479% | 3,384 |
| Return on Equity (ROE) | 7.9100% | 2,791 |
| Retained earnings to average equity (ytd only) | 2.7458% | 3,257 |
| Net charge-offs to loans | -0.0021% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.1928% | 2,120 |
| Assets per employee ($millions) | 9.7416% | 830 |
| Cash dividends to net income (ytd only)* | 65.2729% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 1,762 |
| Loan loss allowance to noncurrent loans | 416.4686% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 2,243 |
| Noncurrent loans to loans | 0.3097% | 2,357 |
| Net loans and leases to total assets | 78.6500% | 806 |
| Net loans and leases to deposits | 98.4499% | 566 |
| Net loans and leases to core deposits | 117.4263% | 691 |
| Total domestic deposits to total assets | 79.8900% | 3,476 |
| Equity capital to assets | 8.3855% | 3,475 |
| Core capital (leverage) ratio | 8.8745% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6688% | 2,351 |
| Memoranda: | ||
| Average total assets | $471,041,750 | 1,832 |
| Average earning assets | $437,047,500 | 1,831 |
| Average equity | $38,311,500 | 2,044 |
| Average total loans | $382,215,750 | 1,582 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1243% | 2,704 |
| Cost of funding earning assets | 2.8679% | 573 |
| Net interest margin | 2.2564% | 4,115 |
| Noninterest income to average assets | 0.1900% | 3,743 |
| Noninterest expense to average assets | 1.5759% | 4,202 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.6713% | 3,003 |
| Return on assets (ROA) | 0.6713% | 3,033 |
| Pretax return on assets | 0.6777% | 3,277 |
| Return on Equity (ROE) | 8.3400% | 2,641 |
| Retained earnings to average equity (ytd only) | 2.6073% | 3,143 |
| Net charge-offs to loans | -0.0031% | 3,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.4506% | 2,282 |
| Assets per employee ($millions) | 9.7970% | 775 |
| Cash dividends to net income (ytd only)* | 68.7421% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 1,852 |
| Loan loss allowance to noncurrent loans | 431.5044% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,222 |
| Noncurrent loans to loans | 0.2954% | 2,312 |
| Net loans and leases to total assets | 80.3000% | 639 |
| Net loans and leases to deposits | 102.5675% | 421 |
| Net loans and leases to core deposits | 121.3261% | 592 |
| Total domestic deposits to total assets | 78.2900% | 3,673 |
| Equity capital to assets | 8.0566% | 3,387 |
| Core capital (leverage) ratio | 8.8273% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4737% | 2,434 |
| Memoranda: | ||
| Average total assets | $468,943,667 | 1,832 |
| Average earning assets | $435,025,333 | 1,830 |
| Average equity | $37,739,667 | 2,035 |
| Average total loans | $382,843,333 | 1,570 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 2,611 |
| Cost of funding earning assets | 2.8355% | 563 |
| Net interest margin | 2.2551% | 4,138 |
| Noninterest income to average assets | 0.2200% | 3,505 |
| Noninterest expense to average assets | 1.6033% | 4,190 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.6757% | 2,917 |
| Return on assets (ROA) | 0.6757% | 2,936 |
| Pretax return on assets | 0.6825% | 3,198 |
| Return on Equity (ROE) | 8.4000% | 2,582 |
| Retained earnings to average equity (ytd only) | 4.6302% | 2,513 |
| Net charge-offs to loans | -0.0063% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.6622% | 2,305 |
| Assets per employee ($millions) | 9.5423% | 845 |
| Cash dividends to net income (ytd only)* | 44.8799% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2624% | 1,941 |
| Loan loss allowance to noncurrent loans | 437.7597% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 2,179 |
| Noncurrent loans to loans | 0.2884% | 2,287 |
| Net loans and leases to total assets | 81.0600% | 506 |
| Net loans and leases to deposits | 101.6300% | 413 |
| Net loans and leases to core deposits | 126.2927% | 478 |
| Total domestic deposits to total assets | 79.7600% | 3,554 |
| Equity capital to assets | 8.0473% | 3,341 |
| Core capital (leverage) ratio | 8.8546% | 3,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4453% | 2,444 |
| Memoranda: | ||
| Average total assets | $468,286,500 | 1,843 |
| Average earning assets | $434,917,500 | 1,839 |
| Average equity | $37,666,000 | 2,032 |
| Average total loans | $383,009,000 | 1,561 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 2,483 |
| Cost of funding earning assets | 2.2221% | 617 |
| Net interest margin | 2.5711% | 4,009 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 1.7724% | 4,037 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7280% | 3,111 |
| Return on assets (ROA) | 0.7340% | 3,079 |
| Pretax return on assets | 0.7703% | 3,285 |
| Return on Equity (ROE) | 9.0800% | 2,737 |
| Retained earnings to average equity (ytd only) | 4.2797% | 2,870 |
| Net charge-offs to loans | 0.0029% | 2,678 |
| Credit loss provision to net charge-offs | 1,090.9091% | 384 |
| Earnings coverage of net charge-offs (x) | 328.6364% | 408 |
| Efficiency ratio | 68.5319% | 2,051 |
| Assets per employee ($millions) | 9.0192% | 978 |
| Cash dividends to net income (ytd only)* | 52.8886% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 1,969 |
| Loan loss allowance to noncurrent loans | 2,812.8655% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,385 |
| Noncurrent loans to loans | 0.0447% | 3,401 |
| Net loans and leases to total assets | 80.4600% | 586 |
| Net loans and leases to deposits | 101.8816% | 439 |
| Net loans and leases to core deposits | 117.3040% | 707 |
| Total domestic deposits to total assets | 78.9700% | 3,617 |
| Equity capital to assets | 8.0395% | 3,385 |
| Core capital (leverage) ratio | 8.7896% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2946% | 2,496 |
| Memoranda: | ||
| Average total assets | $457,464,800 | 1,829 |
| Average earning assets | $423,250,400 | 1,826 |
| Average equity | $36,965,400 | 1,983 |
| Average total loans | $374,815,600 | 1,535 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7022% | 2,468 |
| Cost of funding earning assets | 2.0286% | 669 |
| Net interest margin | 2.6736% | 3,914 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 1.8026% | 3,969 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.7840% | 3,074 |
| Return on assets (ROA) | 0.7840% | 3,065 |
| Pretax return on assets | 0.8227% | 3,285 |
| Return on Equity (ROE) | 9.6900% | 2,738 |
| Retained earnings to average equity (ytd only) | 4.4334% | 3,132 |
| Net charge-offs to loans | 0.0043% | 2,330 |
| Credit loss provision to net charge-offs | 750.0000% | 490 |
| Earnings coverage of net charge-offs (x) | 241.2500% | 526 |
| Efficiency ratio | 67.3598% | 2,091 |
| Assets per employee ($millions) | 9.0950% | 896 |
| Cash dividends to net income (ytd only)* | 54.2462% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,157 |
| Loan loss allowance to noncurrent loans | 1,177.0936% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,007 |
| Noncurrent loans to loans | 0.1055% | 3,045 |
| Net loans and leases to total assets | 81.9200% | 441 |
| Net loans and leases to deposits | 105.6150% | 298 |
| Net loans and leases to core deposits | 133.9892% | 292 |
| Total domestic deposits to total assets | 77.5700% | 3,867 |
| Equity capital to assets | 7.6777% | 3,257 |
| Core capital (leverage) ratio | 8.8700% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1944% | 2,548 |
| Memoranda: | ||
| Average total assets | $454,581,250 | 1,839 |
| Average earning assets | $420,843,750 | 1,835 |
| Average equity | $36,780,500 | 1,976 |
| Average total loans | $372,982,000 | 1,538 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 2,385 |
| Cost of funding earning assets | 1.7791% | 767 |
| Net interest margin | 2.8367% | 3,768 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.8273% | 3,947 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8926% | 2,781 |
| Return on assets (ROA) | 0.8926% | 2,766 |
| Pretax return on assets | 0.9369% | 3,077 |
| Return on Equity (ROE) | 10.8400% | 2,469 |
| Retained earnings to average equity (ytd only) | 6.5376% | 2,443 |
| Net charge-offs to loans | 0.0065% | 2,003 |
| Credit loss provision to net charge-offs | 500.0000% | 646 |
| Earnings coverage of net charge-offs (x) | 181.2500% | 662 |
| Efficiency ratio | 64.8889% | 2,388 |
| Assets per employee ($millions) | 8.1838% | 1,238 |
| Cash dividends to net income (ytd only)* | 39.7022% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,010 |
| Loan loss allowance to noncurrent loans | 219.9629% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 1,131 |
| Noncurrent loans to loans | 0.5822% | 1,284 |
| Net loans and leases to total assets | 81.3400% | 487 |
| Net loans and leases to deposits | 100.2775% | 501 |
| Net loans and leases to core deposits | 121.7659% | 477 |
| Total domestic deposits to total assets | 81.1100% | 3,414 |
| Equity capital to assets | 8.3115% | 3,018 |
| Core capital (leverage) ratio | 8.8861% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5183% | 2,455 |
| Memoranda: | ||
| Average total assets | $451,492,667 | 1,848 |
| Average earning assets | $417,742,000 | 1,847 |
| Average equity | $37,169,667 | 1,976 |
| Average total loans | $369,053,667 | 1,538 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4329% | 2,455 |
| Cost of funding earning assets | 1.5620% | 745 |
| Net interest margin | 2.8709% | 3,830 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.8718% | 3,911 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8536% | 3,005 |
| Return on assets (ROA) | 0.8536% | 2,957 |
| Pretax return on assets | 0.8970% | 3,248 |
| Return on Equity (ROE) | 10.4200% | 2,661 |
| Retained earnings to average equity (ytd only) | 10.4186% | 1,600 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.3924% | 2,166 |
| Assets per employee ($millions) | 8.0001% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,188 |
| Loan loss allowance to noncurrent loans | 2,221.1268% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0467% | 3,318 |
| Noncurrent loans to loans | 0.0571% | 3,327 |
| Net loans and leases to total assets | 80.7500% | 476 |
| Net loans and leases to deposits | 101.6287% | 375 |
| Net loans and leases to core deposits | 113.6404% | 591 |
| Total domestic deposits to total assets | 79.4500% | 3,844 |
| Equity capital to assets | 8.2352% | 3,089 |
| Core capital (leverage) ratio | 8.8639% | 3,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3143% | 2,627 |
| Memoranda: | ||
| Average total assets | $452,183,500 | 1,873 |
| Average earning assets | $417,154,000 | 1,872 |
| Average equity | $37,049,000 | 2,005 |
| Average total loans | $368,156,000 | 1,554 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 1,678 |
| Cost of funding earning assets | 0.5221% | 1,255 |
| Net interest margin | 3.4916% | 1,955 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.9522% | 3,709 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.4614% | 977 |
| Return on assets (ROA) | 1.4614% | 938 |
| Pretax return on assets | 1.5399% | 1,326 |
| Return on Equity (ROE) | 16.5800% | 946 |
| Retained earnings to average equity (ytd only) | 11.3446% | 818 |
| Net charge-offs to loans | 0.0035% | 2,337 |
| Credit loss provision to net charge-offs | 750.0000% | 517 |
| Earnings coverage of net charge-offs (x) | 546.9167% | 315 |
| Efficiency ratio | 55.0613% | 3,676 |
| Assets per employee ($millions) | 8.0064% | 1,319 |
| Cash dividends to net income (ytd only)* | 31.5807% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 1,930 |
| Loan loss allowance to noncurrent loans | 2,008.9744% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,281 |
| Noncurrent loans to loans | 0.0644% | 3,281 |
| Net loans and leases to total assets | 80.0000% | 590 |
| Net loans and leases to deposits | 97.3277% | 563 |
| Net loans and leases to core deposits | 105.2769% | 778 |
| Total domestic deposits to total assets | 82.1900% | 3,590 |
| Equity capital to assets | 8.1508% | 2,964 |
| Core capital (leverage) ratio | 9.0959% | 3,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3733% | 2,623 |
| Memoranda: | ||
| Average total assets | $420,351,400 | 1,953 |
| Average earning assets | $387,103,600 | 1,958 |
| Average equity | $37,048,600 | 2,035 |
| Average total loans | $344,462,200 | 1,563 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 1,401 |
| Cost of funding earning assets | 0.3840% | 1,406 |
| Net interest margin | 3.5478% | 1,530 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.9708% | 3,556 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3954% | 1,103 |
| Return on assets (ROA) | 1.3954% | 1,072 |
| Pretax return on assets | 1.4696% | 1,499 |
| Return on Equity (ROE) | 15.5200% | 1,075 |
| Retained earnings to average equity (ytd only) | 10.8530% | 1,093 |
| Net charge-offs to loans | 0.0047% | 2,013 |
| Credit loss provision to net charge-offs | 500.0000% | 606 |
| Earnings coverage of net charge-offs (x) | 384.6667% | 397 |
| Efficiency ratio | 56.4423% | 3,577 |
| Assets per employee ($millions) | 7.6096% | 1,544 |
| Cash dividends to net income (ytd only)* | 30.0509% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3345% | 1,866 |
| Loan loss allowance to noncurrent loans | 2,004.7210% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,338 |
| Noncurrent loans to loans | 0.0666% | 3,402 |
| Net loans and leases to total assets | 81.0400% | 444 |
| Net loans and leases to deposits | 93.8021% | 647 |
| Net loans and leases to core deposits | 100.8913% | 782 |
| Total domestic deposits to total assets | 86.4000% | 2,960 |
| Equity capital to assets | 8.2478% | 2,717 |
| Core capital (leverage) ratio | 8.9275% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5952% | 2,625 |
| Memoranda: | ||
| Average total assets | $413,349,250 | 1,989 |
| Average earning assets | $380,846,500 | 1,999 |
| Average equity | $37,174,500 | 2,055 |
| Average total loans | $339,735,500 | 1,566 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 1,254 |
| Cost of funding earning assets | 0.2485% | 2,291 |
| Net interest margin | 3.5785% | 1,106 |
| Noninterest income to average assets | 0.1931% | 4,034 |
| Noninterest expense to average assets | 1.9668% | 3,526 |
| Loan and lease loss provision to assets | 0.0147% | 2,332 |
| Net operating income to assets | 1.4276% | 841 |
| Return on assets (ROA) | 1.4276% | 827 |
| Pretax return on assets | 1.5058% | 1,150 |
| Return on Equity (ROE) | 15.4292% | 813 |
| Retained earnings to average equity (ytd only) | 12.2588% | 569 |
| Net charge-offs to loans | 0.0030% | 1,963 |
| Credit loss provision to net charge-offs | 600.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 622.0000% | 218 |
| Efficiency ratio | 55.8811% | 3,787 |
| Assets per employee ($millions) | 7.8629% | 1,373 |
| Cash dividends to net income (ytd only)* | 20.5479% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,136 |
| Loan loss allowance to noncurrent loans | 407.7193% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 1,969 |
| Noncurrent loans to loans | 0.3216% | 2,191 |
| Net loans and leases to total assets | 82.3803% | 268 |
| Net loans and leases to deposits | 99.1036% | 305 |
| Net loans and leases to core deposits | 106.3985% | 437 |
| Total domestic deposits to total assets | 83.1255% | 3,857 |
| Equity capital to assets | 8.3495% | 2,873 |
| Core capital (leverage) ratio | 9.1001% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3903% | 2,705 |
| Memoranda: | ||
| Average total assets | $409,086,667 | 2,016 |
| Average earning assets | $376,584,333 | 2,038 |
| Average equity | $37,850,333 | 2,084 |
| Average total loans | $336,306,333 | 1,577 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 1,118 |
| Cost of funding earning assets | 0.2230% | 2,484 |
| Net interest margin | 3.5586% | 966 |
| Noninterest income to average assets | 0.2113% | 3,898 |
| Noninterest expense to average assets | 1.9824% | 3,476 |
| Loan and lease loss provision to assets | 0.0299% | 1,830 |
| Net operating income to assets | 1.4013% | 795 |
| Return on assets (ROA) | 1.4013% | 790 |
| Pretax return on assets | 1.4761% | 1,060 |
| Return on Equity (ROE) | 14.4022% | 756 |
| Retained earnings to average equity (ytd only) | 14.4022% | 340 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2857% | 3,856 |
| Assets per employee ($millions) | 7.2187% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,894 |
| Loan loss allowance to noncurrent loans | 31,020.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 4,061 |
| Noncurrent loans to loans | 0.0045% | 4,005 |
| Net loans and leases to total assets | 80.9513% | 205 |
| Net loans and leases to deposits | 94.7986% | 323 |
| Net loans and leases to core deposits | 105.0101% | 370 |
| Total domestic deposits to total assets | 85.3928% | 3,442 |
| Equity capital to assets | 9.4868% | 2,291 |
| Core capital (leverage) ratio | 9.0416% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5902% | 2,747 |
| Memoranda: | ||
| Average total assets | $401,330,500 | 2,051 |
| Average earning assets | $369,580,000 | 2,077 |
| Average equity | $39,049,500 | 2,092 |
| Average total loans | $327,242,500 | 1,594 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0964% | 1,165 |
| Cost of funding earning assets | 0.2921% | 2,480 |
| Net interest margin | 3.8043% | 1,003 |
| Noninterest income to average assets | 0.2282% | 4,013 |
| Noninterest expense to average assets | 2.0024% | 3,666 |
| Loan and lease loss provision to assets | 0.1721% | 672 |
| Net operating income to assets | 1.4492% | 1,136 |
| Return on assets (ROA) | 1.4492% | 1,211 |
| Pretax return on assets | 1.5227% | 1,645 |
| Return on Equity (ROE) | 14.6450% | 1,036 |
| Retained earnings to average equity (ytd only) | 8.4624% | 1,360 |
| Net charge-offs to loans | -0.0048% | 3,547 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7751% | 3,955 |
| Assets per employee ($millions) | 7.1145% | 1,854 |
| Cash dividends to net income (ytd only)* | 42.2164% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,795 |
| Loan loss allowance to noncurrent loans | 46,230.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,170 |
| Noncurrent loans to loans | 0.0031% | 4,099 |
| Net loans and leases to total assets | 79.8079% | 274 |
| Net loans and leases to deposits | 92.2823% | 452 |
| Net loans and leases to core deposits | 100.2848% | 523 |
| Total domestic deposits to total assets | 86.4824% | 2,722 |
| Equity capital to assets | 9.9768% | 2,676 |
| Core capital (leverage) ratio | 8.8532% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5219% | 2,772 |
| Memoranda: | ||
| Average total assets | $392,276,200 | 2,020 |
| Average earning assets | $357,702,200 | 2,049 |
| Average equity | $38,818,600 | 2,126 |
| Average total loans | $314,718,600 | 1,647 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 1,469 |
| Cost of funding earning assets | 0.3046% | 2,549 |
| Net interest margin | 3.7260% | 1,284 |
| Noninterest income to average assets | 0.2075% | 4,163 |
| Noninterest expense to average assets | 2.0528% | 3,510 |
| Loan and lease loss provision to assets | 0.0494% | 2,009 |
| Net operating income to assets | 1.4243% | 1,461 |
| Return on assets (ROA) | 1.4243% | 1,527 |
| Pretax return on assets | 1.4946% | 2,003 |
| Return on Equity (ROE) | 14.4228% | 1,273 |
| Retained earnings to average equity (ytd only) | 10.2764% | 1,236 |
| Net charge-offs to loans | -0.0068% | 3,535 |
| Credit loss provision to net charge-offs | -906.2500% | 3,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5411% | 3,465 |
| Assets per employee ($millions) | 7.1838% | 1,746 |
| Cash dividends to net income (ytd only)* | 28.7494% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,451 |
| Loan loss allowance to noncurrent loans | 1,163.0682% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,506 |
| Noncurrent loans to loans | 0.1124% | 3,528 |
| Net loans and leases to total assets | 78.2343% | 389 |
| Net loans and leases to deposits | 91.2321% | 531 |
| Net loans and leases to core deposits | 98.8102% | 634 |
| Total domestic deposits to total assets | 85.7530% | 2,842 |
| Equity capital to assets | 10.0856% | 2,816 |
| Core capital (leverage) ratio | 8.7535% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8663% | 2,750 |
| Memoranda: | ||
| Average total assets | $390,741,750 | 2,039 |
| Average earning assets | $355,435,000 | 2,079 |
| Average equity | $38,586,000 | 2,157 |
| Average total loans | $312,751,000 | 1,678 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0535% | 1,443 |
| Cost of funding earning assets | 0.3087% | 2,689 |
| Net interest margin | 3.7448% | 1,228 |
| Noninterest income to average assets | 0.2235% | 4,066 |
| Noninterest expense to average assets | 2.0617% | 3,518 |
| Loan and lease loss provision to assets | 0.0591% | 1,847 |
| Net operating income to assets | 1.4421% | 1,443 |
| Return on assets (ROA) | 1.4421% | 1,509 |
| Pretax return on assets | 1.5115% | 1,982 |
| Return on Equity (ROE) | 14.7098% | 1,230 |
| Retained earnings to average equity (ytd only) | 11.5656% | 1,001 |
| Net charge-offs to loans | -0.0096% | 3,652 |
| Credit loss provision to net charge-offs | -766.6667% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2376% | 3,515 |
| Assets per employee ($millions) | 7.9834% | 1,219 |
| Cash dividends to net income (ytd only)* | 21.3751% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,497 |
| Loan loss allowance to noncurrent loans | 6,771.6667% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 4,186 |
| Noncurrent loans to loans | 0.0190% | 4,126 |
| Net loans and leases to total assets | 79.5944% | 338 |
| Net loans and leases to deposits | 93.3807% | 480 |
| Net loans and leases to core deposits | 102.4372% | 581 |
| Total domestic deposits to total assets | 85.2364% | 3,003 |
| Equity capital to assets | 10.0019% | 2,847 |
| Core capital (leverage) ratio | 8.6172% | 3,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6923% | 2,813 |
| Memoranda: | ||
| Average total assets | $389,286,667 | 2,041 |
| Average earning assets | $354,356,333 | 2,075 |
| Average equity | $38,165,000 | 2,167 |
| Average total loans | $312,600,333 | 1,689 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 1,749 |
| Cost of funding earning assets | 0.3098% | 2,886 |
| Net interest margin | 3.6222% | 1,527 |
| Noninterest income to average assets | 0.1607% | 4,394 |
| Noninterest expense to average assets | 1.8324% | 4,147 |
| Loan and lease loss provision to assets | 0.0876% | 1,504 |
| Net operating income to assets | 1.4596% | 1,422 |
| Return on assets (ROA) | 1.4596% | 1,483 |
| Pretax return on assets | 1.5286% | 1,926 |
| Return on Equity (ROE) | 15.0407% | 1,202 |
| Retained earnings to average equity (ytd only) | 15.0407% | 620 |
| Net charge-offs to loans | 0.0206% | 1,327 |
| Credit loss provision to net charge-offs | 531.2500% | 581 |
| Earnings coverage of net charge-offs (x) | 98.0625% | 620 |
| Efficiency ratio | 52.5687% | 3,949 |
| Assets per employee ($millions) | 7.7433% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,497 |
| Loan loss allowance to noncurrent loans | 1,278.5942% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 3,776 |
| Noncurrent loans to loans | 0.1006% | 3,801 |
| Net loans and leases to total assets | 79.3271% | 376 |
| Net loans and leases to deposits | 91.2143% | 636 |
| Net loans and leases to core deposits | 96.8913% | 849 |
| Total domestic deposits to total assets | 86.9678% | 2,319 |
| Equity capital to assets | 9.8054% | 2,889 |
| Core capital (leverage) ratio | 8.5663% | 4,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5241% | 2,810 |
| Memoranda: | ||
| Average total assets | $388,337,000 | 2,035 |
| Average earning assets | $352,492,500 | 2,066 |
| Average equity | $37,684,500 | 2,174 |
| Average total loans | $311,188,000 | 1,696 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5428% | 1,207 |
| Cost of funding earning assets | 0.6723% | 1,865 |
| Net interest margin | 3.8705% | 1,304 |
| Noninterest income to average assets | 0.2002% | 4,277 |
| Noninterest expense to average assets | 1.9476% | 4,235 |
| Loan and lease loss provision to assets | 0.2824% | 1,349 |
| Net operating income to assets | 1.4021% | 1,012 |
| Return on assets (ROA) | 1.4021% | 1,101 |
| Pretax return on assets | 1.4741% | 1,427 |
| Return on Equity (ROE) | 14.2720% | 751 |
| Retained earnings to average equity (ytd only) | 8.2701% | 979 |
| Net charge-offs to loans | 0.0025% | 3,303 |
| Credit loss provision to net charge-offs | 14,628.5714% | 71 |
| Earnings coverage of net charge-offs (x) | 909.8571% | 129 |
| Efficiency ratio | 51.6566% | 4,409 |
| Assets per employee ($millions) | 8.8525% | 779 |
| Cash dividends to net income (ytd only)* | 42.0535% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,599 |
| Loan loss allowance to noncurrent loans | 1,153.3724% | 594 |
| Noncurrent assets plus other real estate owned to assets | 0.0911% | 3,867 |
| Noncurrent loans to loans | 0.1096% | 3,854 |
| Net loans and leases to total assets | 78.8978% | 509 |
| Net loans and leases to deposits | 91.7008% | 800 |
| Net loans and leases to core deposits | 99.8866% | 901 |
| Total domestic deposits to total assets | 86.0384% | 2,350 |
| Equity capital to assets | 9.6033% | 3,512 |
| Core capital (leverage) ratio | 8.3536% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7529% | 2,981 |
| Memoranda: | ||
| Average total assets | $362,598,000 | 1,992 |
| Average earning assets | $328,253,000 | 2,035 |
| Average equity | $35,622,200 | 2,202 |
| Average total loans | $282,306,800 | 1,760 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 1,416 |
| Cost of funding earning assets | 0.7592% | 1,683 |
| Net interest margin | 3.8041% | 1,609 |
| Noninterest income to average assets | 0.1255% | 4,667 |
| Noninterest expense to average assets | 1.8137% | 4,469 |
| Loan and lease loss provision to assets | 0.3302% | 1,178 |
| Net operating income to assets | 1.3521% | 1,225 |
| Return on assets (ROA) | 1.3521% | 1,326 |
| Pretax return on assets | 1.4211% | 1,663 |
| Return on Equity (ROE) | 13.6793% | 943 |
| Retained earnings to average equity (ytd only) | 9.7450% | 821 |
| Net charge-offs to loans | 0.0015% | 3,161 |
| Credit loss provision to net charge-offs | 29,366.6667% | 39 |
| Earnings coverage of net charge-offs (x) | 1,558.0000% | 76 |
| Efficiency ratio | 49.9002% | 4,500 |
| Assets per employee ($millions) | 8.4563% | 859 |
| Cash dividends to net income (ytd only)* | 28.7614% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 2,469 |
| Loan loss allowance to noncurrent loans | 1,109.3567% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 3,424 |
| Noncurrent loans to loans | 0.1114% | 3,922 |
| Net loans and leases to total assets | 79.6916% | 640 |
| Net loans and leases to deposits | 94.1005% | 916 |
| Net loans and leases to core deposits | 105.1833% | 875 |
| Total domestic deposits to total assets | 84.6878% | 2,557 |
| Equity capital to assets | 9.7253% | 3,494 |
| Core capital (leverage) ratio | 8.0797% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7957% | 2,965 |
| Memoranda: | ||
| Average total assets | $355,870,000 | 2,004 |
| Average earning assets | $321,750,250 | 2,049 |
| Average equity | $35,176,250 | 2,212 |
| Average total loans | $275,071,500 | 1,789 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7346% | 1,321 |
| Cost of funding earning assets | 0.8341% | 1,659 |
| Net interest margin | 3.9005% | 1,569 |
| Noninterest income to average assets | 0.1363% | 4,622 |
| Noninterest expense to average assets | 1.9221% | 4,377 |
| Loan and lease loss provision to assets | 0.4303% | 913 |
| Net operating income to assets | 1.2310% | 1,544 |
| Return on assets (ROA) | 1.2398% | 1,637 |
| Pretax return on assets | 1.3013% | 2,023 |
| Return on Equity (ROE) | 12.4690% | 1,222 |
| Retained earnings to average equity (ytd only) | 9.0668% | 985 |
| Net charge-offs to loans | 0.0068% | 2,715 |
| Credit loss provision to net charge-offs | 8,311.1111% | 134 |
| Earnings coverage of net charge-offs (x) | 332.6667% | 303 |
| Efficiency ratio | 51.7601% | 4,374 |
| Assets per employee ($millions) | 8.2453% | 889 |
| Cash dividends to net income (ytd only)* | 27.2854% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 2,042 |
| Loan loss allowance to noncurrent loans | 1,282.4561% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 3,564 |
| Noncurrent loans to loans | 0.1008% | 4,052 |
| Net loans and leases to total assets | 75.2499% | 1,240 |
| Net loans and leases to deposits | 91.0319% | 1,261 |
| Net loans and leases to core deposits | 104.0963% | 997 |
| Total domestic deposits to total assets | 82.6632% | 3,186 |
| Equity capital to assets | 9.7109% | 3,464 |
| Core capital (leverage) ratio | 8.2879% | 4,566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3640% | 2,867 |
| Memoranda: | ||
| Average total assets | $347,649,333 | 2,015 |
| Average earning assets | $312,676,000 | 2,059 |
| Average equity | $34,565,667 | 2,230 |
| Average total loans | $264,413,333 | 1,824 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 2,064 |
| Cost of funding earning assets | 0.9985% | 1,427 |
| Net interest margin | 3.5810% | 2,732 |
| Noninterest income to average assets | 0.1607% | 4,569 |
| Noninterest expense to average assets | 1.9788% | 4,441 |
| Loan and lease loss provision to assets | 0.1905% | 1,575 |
| Net operating income to assets | 1.1442% | 1,707 |
| Return on assets (ROA) | 1.1442% | 1,811 |
| Pretax return on assets | 1.2025% | 2,187 |
| Return on Equity (ROE) | 11.3617% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.3656% | 1,418 |
| Net charge-offs to loans | 0.0141% | 2,099 |
| Credit loss provision to net charge-offs | 1,777.7778% | 369 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 480 |
| Efficiency ratio | 57.5918% | 4,059 |
| Assets per employee ($millions) | 7.2496% | 980 |
| Cash dividends to net income (ytd only)* | 35.1717% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 2,753 |
| Loan loss allowance to noncurrent loans | 1,166.1597% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,667 |
| Noncurrent loans to loans | 0.1015% | 4,100 |
| Net loans and leases to total assets | 75.1359% | 1,435 |
| Net loans and leases to deposits | 88.8086% | 1,661 |
| Net loans and leases to core deposits | 107.5753% | 964 |
| Total domestic deposits to total assets | 84.6043% | 2,565 |
| Equity capital to assets | 9.9712% | 3,814 |
| Core capital (leverage) ratio | 8.7100% | 4,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0369% | 3,088 |
| Memoranda: | ||
| Average total assets | $335,955,500 | 2,016 |
| Average earning assets | $301,260,000 | 2,068 |
| Average equity | $33,833,000 | 2,254 |
| Average total loans | $255,190,000 | 1,828 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7062% | 2,302 |
| Cost of funding earning assets | 1.1853% | 1,058 |
| Net interest margin | 3.5209% | 3,382 |
| Noninterest income to average assets | 0.1945% | 4,495 |
| Noninterest expense to average assets | 2.1432% | 4,284 |
| Loan and lease loss provision to assets | 0.1245% | 1,706 |
| Net operating income to assets | 1.0266% | 2,745 |
| Return on assets (ROA) | 1.0353% | 2,804 |
| Pretax return on assets | 1.0965% | 3,179 |
| Return on Equity (ROE) | 9.9318% | 2,327 |
| Retained earnings to average equity (ytd only) | 5.1522% | 2,336 |
| Net charge-offs to loans | 0.1232% | 1,528 |
| Credit loss provision to net charge-offs | 130.7692% | 1,952 |
| Earnings coverage of net charge-offs (x) | 12.7291% | 2,399 |
| Efficiency ratio | 62.6969% | 3,264 |
| Assets per employee ($millions) | 6.3688% | 1,376 |
| Cash dividends to net income (ytd only)* | 48.1242% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,640 |
| Loan loss allowance to noncurrent loans | 270.2502% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 2,580 |
| Noncurrent loans to loans | 0.4294% | 2,910 |
| Net loans and leases to total assets | 75.0002% | 1,586 |
| Net loans and leases to deposits | 88.4694% | 1,775 |
| Net loans and leases to core deposits | 105.8696% | 1,112 |
| Total domestic deposits to total assets | 84.7753% | 2,585 |
| Equity capital to assets | 10.1730% | 3,758 |
| Core capital (leverage) ratio | 8.5253% | 4,833 |
| Tier 1 risk-based capital ratio | 10.7779% | 4,937 |
| Total risk-based capital ratio | 11.9062% | 4,892 |
| Memoranda: | ||
| Average total assets | $314,103,400 | 2,076 |
| Average earning assets | $281,948,400 | 2,130 |
| Average equity | $32,743,400 | 2,260 |
| Average total loans | $242,597,800 | 1,874 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 2,397 |
| Cost of funding earning assets | 1.1760% | 1,091 |
| Net interest margin | 3.5317% | 3,466 |
| Noninterest income to average assets | 0.1915% | 4,569 |
| Noninterest expense to average assets | 2.1680% | 4,239 |
| Loan and lease loss provision to assets | 0.1123% | 1,741 |
| Net operating income to assets | 1.0237% | 2,892 |
| Return on assets (ROA) | 1.0358% | 2,921 |
| Pretax return on assets | 1.0969% | 3,300 |
| Return on Equity (ROE) | 9.8726% | 2,489 |
| Retained earnings to average equity (ytd only) | 5.5044% | 2,622 |
| Net charge-offs to loans | 0.0499% | 2,118 |
| Credit loss provision to net charge-offs | 290.0000% | 968 |
| Earnings coverage of net charge-offs (x) | 30.8881% | 1,595 |
| Efficiency ratio | 63.2515% | 3,118 |
| Assets per employee ($millions) | 5.8865% | 1,687 |
| Cash dividends to net income (ytd only)* | 44.2459% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,360 |
| Loan loss allowance to noncurrent loans | 320.3209% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.2937% | 3,374 |
| Noncurrent loans to loans | 0.3828% | 3,183 |
| Net loans and leases to total assets | 74.5171% | 1,713 |
| Net loans and leases to deposits | 88.2464% | 1,902 |
| Net loans and leases to core deposits | 102.6827% | 1,444 |
| Total domestic deposits to total assets | 84.4421% | 2,652 |
| Equity capital to assets | 10.3346% | 3,687 |
| Core capital (leverage) ratio | 8.7161% | 4,823 |
| Tier 1 risk-based capital ratio | 10.9465% | 4,935 |
| Total risk-based capital ratio | 12.1395% | 4,853 |
| Memoranda: | ||
| Average total assets | $309,834,500 | 2,119 |
| Average earning assets | $278,347,500 | 2,172 |
| Average equity | $32,506,500 | 2,281 |
| Average total loans | $240,422,000 | 1,894 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 2,242 |
| Cost of funding earning assets | 1.1781% | 1,054 |
| Net interest margin | 3.5670% | 3,373 |
| Noninterest income to average assets | 0.2031% | 4,533 |
| Noninterest expense to average assets | 2.2478% | 4,133 |
| Loan and lease loss provision to assets | 0.1415% | 1,312 |
| Net operating income to assets | 0.9580% | 3,068 |
| Return on assets (ROA) | 0.9876% | 3,037 |
| Pretax return on assets | 1.0538% | 3,372 |
| Return on Equity (ROE) | 9.3634% | 2,699 |
| Retained earnings to average equity (ytd only) | 4.6103% | 2,971 |
| Net charge-offs to loans | 0.0251% | 2,351 |
| Credit loss provision to net charge-offs | 720.0000% | 455 |
| Earnings coverage of net charge-offs (x) | 59.2000% | 989 |
| Efficiency ratio | 64.6946% | 3,019 |
| Assets per employee ($millions) | 6.2183% | 1,391 |
| Cash dividends to net income (ytd only)* | 50.7631% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 2,274 |
| Loan loss allowance to noncurrent loans | 187.7729% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 2,547 |
| Noncurrent loans to loans | 0.6640% | 2,296 |
| Net loans and leases to total assets | 73.7242% | 1,932 |
| Net loans and leases to deposits | 87.0596% | 2,122 |
| Net loans and leases to core deposits | 103.1947% | 1,453 |
| Total domestic deposits to total assets | 84.6824% | 2,606 |
| Equity capital to assets | 10.1171% | 3,870 |
| Core capital (leverage) ratio | 8.5158% | 4,961 |
| Tier 1 risk-based capital ratio | 10.8266% | 4,981 |
| Total risk-based capital ratio | 12.0404% | 4,908 |
| Memoranda: | ||
| Average total assets | $305,193,330 | 2,156 |
| Average earning assets | $274,517,670 | 2,199 |
| Average equity | $32,189,000 | 2,290 |
| Average total loans | $239,146,000 | 1,906 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 2,088 |
| Cost of funding earning assets | 1.1415% | 1,065 |
| Net interest margin | 3.5960% | 3,259 |
| Noninterest income to average assets | 0.2107% | 4,483 |
| Noninterest expense to average assets | 2.2343% | 4,173 |
| Loan and lease loss provision to assets | 0.0608% | 2,442 |
| Net operating income to assets | 1.0827% | 2,536 |
| Return on assets (ROA) | 1.1469% | 2,333 |
| Pretax return on assets | 1.2131% | 2,756 |
| Return on Equity (ROE) | 10.6369% | 2,105 |
| Retained earnings to average equity (ytd only) | 8.8829% | 1,359 |
| Net charge-offs to loans | 0.0134% | 2,221 |
| Credit loss provision to net charge-offs | 562.5000% | 566 |
| Earnings coverage of net charge-offs (x) | 111.6250% | 619 |
| Efficiency ratio | 63.7220% | 3,283 |
| Assets per employee ($millions) | 6.3151% | 1,342 |
| Cash dividends to net income (ytd only)* | 16.4900% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1592% | 2,798 |
| Loan loss allowance to noncurrent loans | 258.2130% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,178 |
| Noncurrent loans to loans | 0.4490% | 2,974 |
| Net loans and leases to total assets | 77.2547% | 1,278 |
| Net loans and leases to deposits | 94.4562% | 1,119 |
| Net loans and leases to core deposits | 109.4899% | 960 |
| Total domestic deposits to total assets | 81.7888% | 3,782 |
| Equity capital to assets | 10.2560% | 3,569 |
| Core capital (leverage) ratio | 8.4969% | 5,015 |
| Tier 1 risk-based capital ratio | 10.6304% | 5,139 |
| Total risk-based capital ratio | 11.7659% | 5,081 |
| Memoranda: | ||
| Average total assets | $296,113,000 | 2,220 |
| Average earning assets | $265,962,000 | 2,271 |
| Average equity | $31,926,500 | 2,301 |
| Average total loans | $238,019,000 | 1,930 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,688 |
| Cost of funding earning assets | 0.9908% | 789 |
| Net interest margin | 3.4323% | 3,903 |
| Noninterest income to average assets | 0.1134% | 5,103 |
| Noninterest expense to average assets | 2.2381% | 4,251 |
| Loan and lease loss provision to assets | 0.0420% | 3,349 |
| Net operating income to assets | 0.8765% | 3,516 |
| Return on assets (ROA) | 0.8722% | 3,521 |
| Pretax return on assets | 0.9188% | 3,846 |
| Return on Equity (ROE) | 8.1987% | 3,357 |
| Retained earnings to average equity (ytd only) | 4.0706% | 3,319 |
| Net charge-offs to loans | 0.0343% | 2,715 |
| Credit loss provision to net charge-offs | 148.6486% | 1,851 |
| Earnings coverage of net charge-offs (x) | 34.1622% | 1,472 |
| Efficiency ratio | 69.2693% | 2,332 |
| Assets per employee ($millions) | 6.4295% | 1,246 |
| Cash dividends to net income (ytd only)* | 50.3503% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,764 |
| Loan loss allowance to noncurrent loans | 291.5663% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,205 |
| Noncurrent loans to loans | 0.3983% | 3,099 |
| Net loans and leases to total assets | 81.9542% | 656 |
| Net loans and leases to deposits | 102.6540% | 555 |
| Net loans and leases to core deposits | 122.5773% | 480 |
| Total domestic deposits to total assets | 79.8354% | 4,144 |
| Equity capital to assets | 11.3825% | 2,345 |
| Core capital (leverage) ratio | 11.1596% | 2,390 |
| Tier 1 risk-based capital ratio | 13.0988% | 3,789 |
| Total risk-based capital ratio | 14.2582% | 3,732 |
| Memoranda: | ||
| Average total assets | $261,874,600 | 2,388 |
| Average earning assets | $235,758,200 | 2,445 |
| Average equity | $27,858,000 | 2,466 |
| Average total loans | $215,943,200 | 2,060 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,753 |
| Cost of funding earning assets | 0.9188% | 845 |
| Net interest margin | 3.4452% | 3,874 |
| Noninterest income to average assets | 0.1890% | 4,842 |
| Noninterest expense to average assets | 2.1882% | 4,344 |
| Loan and lease loss provision to assets | 0.0413% | 3,170 |
| Net operating income to assets | 1.0163% | 3,020 |
| Return on assets (ROA) | 1.0105% | 3,051 |
| Pretax return on assets | 1.0605% | 3,533 |
| Return on Equity (ROE) | 9.6800% | 2,762 |
| Retained earnings to average equity (ytd only) | 5.4756% | 2,969 |
| Net charge-offs to loans | 0.1179% | 1,330 |
| Credit loss provision to net charge-offs | 42.5532% | 2,886 |
| Earnings coverage of net charge-offs (x) | 11.4149% | 2,518 |
| Efficiency ratio | 65.7895% | 2,905 |
| Assets per employee ($millions) | 6.4776% | 1,194 |
| Cash dividends to net income (ytd only)* | 43.4340% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 3,136 |
| Loan loss allowance to noncurrent loans | 709.2958% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,246 |
| Noncurrent loans to loans | 0.1565% | 4,171 |
| Net loans and leases to total assets | 84.4421% | 404 |
| Net loans and leases to deposits | 107.7602% | 366 |
| Net loans and leases to core deposits | 129.8622% | 332 |
| Total domestic deposits to total assets | 78.3611% | 4,425 |
| Equity capital to assets | 10.2944% | 3,338 |
| Core capital (leverage) ratio | 9.9770% | 3,664 |
| Tier 1 risk-based capital ratio | 11.4889% | 4,792 |
| Total risk-based capital ratio | 12.6000% | 4,760 |
| Memoranda: | ||
| Average total assets | $258,226,000 | 2,426 |
| Average earning assets | $232,896,000 | 2,477 |
| Average equity | $26,955,250 | 2,525 |
| Average total loans | $212,619,000 | 2,087 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3034% | 2,745 |
| Cost of funding earning assets | 0.8174% | 1,055 |
| Net interest margin | 3.4860% | 3,684 |
| Noninterest income to average assets | 0.1955% | 4,846 |
| Noninterest expense to average assets | 2.2277% | 4,306 |
| Loan and lease loss provision to assets | 0.0313% | 3,283 |
| Net operating income to assets | 1.0356% | 2,869 |
| Return on assets (ROA) | 1.0275% | 2,910 |
| Pretax return on assets | 1.0759% | 3,404 |
| Return on Equity (ROE) | 9.7961% | 2,660 |
| Retained earnings to average equity (ytd only) | 5.1366% | 3,006 |
| Net charge-offs to loans | 0.2395% | 663 |
| Credit loss provision to net charge-offs | 16.0643% | 2,710 |
| Earnings coverage of net charge-offs (x) | 5.7309% | 2,687 |
| Efficiency ratio | 66.0430% | 2,969 |
| Assets per employee ($millions) | 5.9795% | 1,483 |
| Cash dividends to net income (ytd only)* | 47.5647% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 3,164 |
| Loan loss allowance to noncurrent loans | 1,313.5870% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 4,642 |
| Noncurrent loans to loans | 0.0850% | 4,527 |
| Net loans and leases to total assets | 77.8114% | 1,346 |
| Net loans and leases to deposits | 99.9304% | 809 |
| Net loans and leases to core deposits | 103.4197% | 1,442 |
| Total domestic deposits to total assets | 77.8656% | 4,609 |
| Equity capital to assets | 9.8067% | 3,817 |
| Core capital (leverage) ratio | 10.2259% | 3,331 |
| Tier 1 risk-based capital ratio | 11.6012% | 4,744 |
| Total risk-based capital ratio | 12.6963% | 4,711 |
| Memoranda: | ||
| Average total assets | $255,774,000 | 2,462 |
| Average earning assets | $230,982,000 | 2,505 |
| Average equity | $26,827,000 | 2,543 |
| Average total loans | $207,898,330 | 2,120 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 2,570 |
| Cost of funding earning assets | 0.7798% | 1,049 |
| Net interest margin | 3.5081% | 3,504 |
| Noninterest income to average assets | 0.2080% | 4,776 |
| Noninterest expense to average assets | 2.1062% | 4,645 |
| Loan and lease loss provision to assets | 0.0488% | 2,805 |
| Net operating income to assets | 1.1644% | 2,161 |
| Return on assets (ROA) | 1.1457% | 2,249 |
| Pretax return on assets | 1.1994% | 2,747 |
| Return on Equity (ROE) | 10.5407% | 2,155 |
| Retained earnings to average equity (ytd only) | 10.5407% | 1,008 |
| Net charge-offs to loans | 0.2691% | 579 |
| Credit loss provision to net charge-offs | 21.8978% | 2,116 |
| Earnings coverage of net charge-offs (x) | 5.6934% | 2,211 |
| Efficiency ratio | 61.8497% | 3,811 |
| Assets per employee ($millions) | 6.1491% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,842 |
| Loan loss allowance to noncurrent loans | 562.2768% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,133 |
| Noncurrent loans to loans | 0.2123% | 4,024 |
| Net loans and leases to total assets | 84.7741% | 358 |
| Net loans and leases to deposits | 104.8199% | 440 |
| Net loans and leases to core deposits | 107.8272% | 1,136 |
| Total domestic deposits to total assets | 80.8759% | 4,229 |
| Equity capital to assets | 10.9814% | 2,604 |
| Core capital (leverage) ratio | 10.7333% | 2,703 |
| Tier 1 risk-based capital ratio | 11.8514% | 4,651 |
| Total risk-based capital ratio | 13.0171% | 4,580 |
| Memoranda: | ||
| Average total assets | $246,133,000 | 2,547 |
| Average earning assets | $222,116,000 | 2,594 |
| Average equity | $26,753,500 | 2,569 |
| Average total loans | $203,626,500 | 2,170 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 2,572 |
| Cost of funding earning assets | 0.7784% | 703 |
| Net interest margin | 3.4540% | 3,678 |
| Noninterest income to average assets | 0.3365% | 4,061 |
| Noninterest expense to average assets | 2.3712% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9923% | 2,282 |
| Return on assets (ROA) | 0.9944% | 2,305 |
| Pretax return on assets | 1.0421% | 3,408 |
| Return on Equity (ROE) | 9.0765% | 2,282 |
| Retained earnings to average equity (ytd only) | 3.6344% | 3,078 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8947% | 2,720 |
| Assets per employee ($millions) | 6.1576% | 1,411 |
| Cash dividends to net income (ytd only)* | 59.9575% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 2,033 |
| Loan loss allowance to noncurrent loans | 2,323.8938% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 4,863 |
| Noncurrent loans to loans | 0.0576% | 4,737 |
| Net loans and leases to total assets | 78.6004% | 1,196 |
| Net loans and leases to deposits | 96.1934% | 1,074 |
| Net loans and leases to core deposits | 98.5332% | 1,823 |
| Total domestic deposits to total assets | 81.7108% | 3,940 |
| Equity capital to assets | 10.7578% | 2,889 |
| Core capital (leverage) ratio | 10.3816% | 2,983 |
| Tier 1 risk-based capital ratio | 12.3148% | 4,322 |
| Total risk-based capital ratio | 13.5655% | 4,228 |
| Memoranda: | ||
| Average total assets | $236,837,200 | 2,590 |
| Average earning assets | $210,825,400 | 2,658 |
| Average equity | $25,946,200 | 2,608 |
| Average total loans | $183,179,600 | 2,289 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2247% | 2,533 |
| Cost of funding earning assets | 0.7721% | 677 |
| Net interest margin | 3.4526% | 3,669 |
| Noninterest income to average assets | 0.2252% | 4,864 |
| Noninterest expense to average assets | 2.3127% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9399% | 2,829 |
| Return on assets (ROA) | 0.9377% | 2,905 |
| Pretax return on assets | 0.9820% | 3,756 |
| Return on Equity (ROE) | 8.5189% | 2,865 |
| Retained earnings to average equity (ytd only) | 2.5779% | 4,343 |
| Net charge-offs to loans | 0.0007% | 3,774 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,735.2932% | 48 |
| Efficiency ratio | 69.4895% | 2,625 |
| Assets per employee ($millions) | 5.6270% | 1,806 |
| Cash dividends to net income (ytd only)* | 69.7395% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 1,742 |
| Loan loss allowance to noncurrent loans | 2,205.8824% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 4,951 |
| Noncurrent loans to loans | 0.0652% | 4,814 |
| Net loans and leases to total assets | 74.2934% | 1,871 |
| Net loans and leases to deposits | 91.1493% | 1,668 |
| Net loans and leases to core deposits | 92.9329% | 2,352 |
| Total domestic deposits to total assets | 81.5074% | 3,917 |
| Equity capital to assets | 10.8311% | 3,032 |
| Core capital (leverage) ratio | 10.4855% | 3,004 |
| Tier 1 risk-based capital ratio | 12.7499% | 4,175 |
| Total risk-based capital ratio | 14.0016% | 4,066 |
| Memoranda: | ||
| Average total assets | $234,470,500 | 2,631 |
| Average earning assets | $208,608,250 | 2,697 |
| Average equity | $25,808,500 | 2,640 |
| Average total loans | $179,919,000 | 2,337 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 2,259 |
| Cost of funding earning assets | 0.7622% | 647 |
| Net interest margin | 3.4942% | 3,423 |
| Noninterest income to average assets | 0.2431% | 4,787 |
| Noninterest expense to average assets | 2.3494% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9596% | 2,610 |
| Return on assets (ROA) | 0.9596% | 2,670 |
| Pretax return on assets | 1.0044% | 3,555 |
| Return on Equity (ROE) | 8.6697% | 2,685 |
| Retained earnings to average equity (ytd only) | 2.4381% | 4,222 |
| Net charge-offs to loans | -0.0011% | 4,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4087% | 2,783 |
| Assets per employee ($millions) | 5.4047% | 1,961 |
| Cash dividends to net income (ytd only)* | 71.8778% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 1,784 |
| Loan loss allowance to noncurrent loans | 344.7507% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 3,777 |
| Noncurrent loans to loans | 0.4173% | 3,524 |
| Net loans and leases to total assets | 77.4484% | 1,323 |
| Net loans and leases to deposits | 95.8485% | 1,096 |
| Net loans and leases to core deposits | 98.3536% | 1,774 |
| Total domestic deposits to total assets | 80.8029% | 4,233 |
| Equity capital to assets | 11.2108% | 2,578 |
| Core capital (leverage) ratio | 10.4655% | 2,954 |
| Tier 1 risk-based capital ratio | 12.9449% | 4,038 |
| Total risk-based capital ratio | 14.1968% | 3,954 |
| Memoranda: | ||
| Average total assets | $231,973,670 | 2,663 |
| Average earning assets | $206,514,670 | 2,736 |
| Average equity | $25,675,670 | 2,655 |
| Average total loans | $179,096,670 | 2,350 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 2,437 |
| Cost of funding earning assets | 0.7345% | 710 |
| Net interest margin | 3.4239% | 3,554 |
| Noninterest income to average assets | 0.2761% | 4,570 |
| Noninterest expense to average assets | 2.3041% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9700% | 2,436 |
| Return on assets (ROA) | 0.9700% | 2,487 |
| Pretax return on assets | 1.0131% | 3,310 |
| Return on Equity (ROE) | 8.8204% | 2,498 |
| Retained earnings to average equity (ytd only) | 0.1883% | 4,875 |
| Net charge-offs to loans | -0.0023% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8345% | 3,076 |
| Assets per employee ($millions) | 5.5372% | 1,851 |
| Cash dividends to net income (ytd only)* | 97.8648% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,906 |
| Loan loss allowance to noncurrent loans | 700.5333% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 4,569 |
| Noncurrent loans to loans | 0.2055% | 4,379 |
| Net loans and leases to total assets | 77.3493% | 1,223 |
| Net loans and leases to deposits | 95.4763% | 974 |
| Net loans and leases to core deposits | 97.3620% | 1,716 |
| Total domestic deposits to total assets | 81.0141% | 4,412 |
| Equity capital to assets | 10.9756% | 2,650 |
| Core capital (leverage) ratio | 10.8035% | 2,594 |
| Tier 1 risk-based capital ratio | 12.8001% | 4,202 |
| Total risk-based capital ratio | 14.0521% | 4,093 |
| Memoranda: | ||
| Average total assets | $231,760,500 | 2,695 |
| Average earning assets | $205,849,000 | 2,767 |
| Average equity | $25,486,500 | 2,683 |
| Average total loans | $177,336,500 | 2,385 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 1,968 |
| Cost of funding earning assets | 0.7454% | 648 |
| Net interest margin | 3.6101% | 3,038 |
| Noninterest income to average assets | 0.2525% | 4,909 |
| Noninterest expense to average assets | 2.2804% | 4,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1182% | 1,827 |
| Return on assets (ROA) | 1.1346% | 1,845 |
| Pretax return on assets | 1.1909% | 2,713 |
| Return on Equity (ROE) | 10.1141% | 1,909 |
| Retained earnings to average equity (ytd only) | 4.1546% | 2,946 |
| Net charge-offs to loans | 0.0252% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 61.6047% | 871 |
| Efficiency ratio | 65.3797% | 3,696 |
| Assets per employee ($millions) | 5.2491% | 2,117 |
| Cash dividends to net income (ytd only)* | 58.9223% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,581 |
| Loan loss allowance to noncurrent loans | 704.0214% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 4,641 |
| Noncurrent loans to loans | 0.2167% | 4,378 |
| Net loans and leases to total assets | 73.4048% | 1,942 |
| Net loans and leases to deposits | 88.8846% | 1,819 |
| Net loans and leases to core deposits | 91.1008% | 2,391 |
| Total domestic deposits to total assets | 82.5844% | 3,904 |
| Equity capital to assets | 11.0184% | 2,619 |
| Core capital (leverage) ratio | 10.4640% | 2,916 |
| Tier 1 risk-based capital ratio | 13.2998% | 3,898 |
| Total risk-based capital ratio | 14.5524% | 3,807 |
| Memoranda: | ||
| Average total assets | $225,709,200 | 2,705 |
| Average earning assets | $200,161,600 | 2,788 |
| Average equity | $25,321,200 | 2,688 |
| Average total loans | $170,333,800 | 2,412 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4445% | 1,718 |
| Cost of funding earning assets | 0.7485% | 640 |
| Net interest margin | 3.6959% | 2,731 |
| Noninterest income to average assets | 0.2608% | 4,903 |
| Noninterest expense to average assets | 2.1824% | 4,810 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2974% | 1,301 |
| Return on assets (ROA) | 1.3149% | 1,329 |
| Pretax return on assets | 1.3797% | 2,128 |
| Return on Equity (ROE) | 11.6673% | 1,425 |
| Retained earnings to average equity (ytd only) | 3.7116% | 3,667 |
| Net charge-offs to loans | 0.0479% | 2,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 37.5580% | 1,288 |
| Efficiency ratio | 60.9658% | 4,398 |
| Assets per employee ($millions) | 5.5750% | 1,778 |
| Cash dividends to net income (ytd only)* | 68.1881% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,708 |
| Loan loss allowance to noncurrent loans | 1,180.0905% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 5,004 |
| Noncurrent loans to loans | 0.1285% | 4,824 |
| Net loans and leases to total assets | 74.1036% | 1,857 |
| Net loans and leases to deposits | 90.0336% | 1,751 |
| Net loans and leases to core deposits | 92.1893% | 2,356 |
| Total domestic deposits to total assets | 82.3065% | 3,839 |
| Equity capital to assets | 11.2155% | 2,782 |
| Core capital (leverage) ratio | 10.7209% | 2,762 |
| Tier 1 risk-based capital ratio | 13.2706% | 3,994 |
| Total risk-based capital ratio | 14.5233% | 3,903 |
| Memoranda: | ||
| Average total assets | $224,396,750 | 2,724 |
| Average earning assets | $199,314,000 | 2,811 |
| Average equity | $25,289,500 | 2,708 |
| Average total loans | $169,877,000 | 2,419 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5155% | 1,472 |
| Cost of funding earning assets | 0.7437% | 653 |
| Net interest margin | 3.7719% | 2,436 |
| Noninterest income to average assets | 0.2502% | 4,981 |
| Noninterest expense to average assets | 2.2242% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3169% | 1,232 |
| Return on assets (ROA) | 1.3255% | 1,297 |
| Pretax return on assets | 1.3874% | 2,071 |
| Return on Equity (ROE) | 11.7423% | 1,402 |
| Retained earnings to average equity (ytd only) | 2.1371% | 4,501 |
| Net charge-offs to loans | 0.0757% | 2,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 24.0156% | 1,567 |
| Efficiency ratio | 61.1153% | 4,492 |
| Assets per employee ($millions) | 5.6009% | 1,701 |
| Cash dividends to net income (ytd only)* | 81.7997% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,799 |
| Loan loss allowance to noncurrent loans | 52,100.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,319 |
| Noncurrent loans to loans | 0.0029% | 5,506 |
| Net loans and leases to total assets | 75.5254% | 1,563 |
| Net loans and leases to deposits | 92.9708% | 1,397 |
| Net loans and leases to core deposits | 96.8058% | 1,908 |
| Total domestic deposits to total assets | 81.2356% | 4,209 |
| Equity capital to assets | 11.2875% | 2,753 |
| Core capital (leverage) ratio | 10.2926% | 3,206 |
| Tier 1 risk-based capital ratio | 13.2040% | 4,074 |
| Total risk-based capital ratio | 14.4569% | 3,986 |
| Memoranda: | ||
| Average total assets | $223,003,670 | 2,749 |
| Average earning assets | $198,205,000 | 2,840 |
| Average equity | $25,174,000 | 2,723 |
| Average total loans | $169,172,330 | 2,427 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3739% | 1,882 |
| Cost of funding earning assets | 0.7280% | 701 |
| Net interest margin | 3.6459% | 2,907 |
| Noninterest income to average assets | 0.2841% | 4,686 |
| Noninterest expense to average assets | 2.1682% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2767% | 1,315 |
| Return on assets (ROA) | 1.2801% | 1,397 |
| Pretax return on assets | 1.3430% | 2,124 |
| Return on Equity (ROE) | 11.3389% | 1,492 |
| Retained earnings to average equity (ytd only) | 10.5427% | 732 |
| Net charge-offs to loans | 0.1501% | 1,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.8254% | 1,840 |
| Efficiency ratio | 61.1994% | 4,570 |
| Assets per employee ($millions) | 5.4404% | 1,882 |
| Cash dividends to net income (ytd only)* | 7.0225% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,790 |
| Loan loss allowance to noncurrent loans | 5,212.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 4,607 |
| Noncurrent loans to loans | 0.0297% | 5,373 |
| Net loans and leases to total assets | 74.2584% | 1,692 |
| Net loans and leases to deposits | 92.6293% | 1,273 |
| Net loans and leases to core deposits | 96.4998% | 1,747 |
| Total domestic deposits to total assets | 80.1672% | 4,709 |
| Equity capital to assets | 11.4443% | 2,491 |
| Core capital (leverage) ratio | 10.8027% | 2,620 |
| Tier 1 risk-based capital ratio | 13.5662% | 3,938 |
| Total risk-based capital ratio | 14.8193% | 3,871 |
| Memoranda: | ||
| Average total assets | $222,487,500 | 2,758 |
| Average earning assets | $196,714,000 | 2,862 |
| Average equity | $25,117,000 | 2,737 |
| Average total loans | $167,854,000 | 2,427 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 1,972 |
| Cost of funding earning assets | 0.6917% | 856 |
| Net interest margin | 3.6876% | 2,793 |
| Noninterest income to average assets | 0.2644% | 4,987 |
| Noninterest expense to average assets | 2.5773% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9581% | 2,582 |
| Return on assets (ROA) | 0.9621% | 2,643 |
| Pretax return on assets | 1.0091% | 3,433 |
| Return on Equity (ROE) | 8.4690% | 2,724 |
| Retained earnings to average equity (ytd only) | 3.2450% | 3,742 |
| Net charge-offs to loans | -0.0018% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2968% | 3,014 |
| Assets per employee ($millions) | 5.5480% | 1,737 |
| Cash dividends to net income (ytd only)* | 61.6836% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 1,632 |
| Loan loss allowance to noncurrent loans | 526.4300% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 3,661 |
| Noncurrent loans to loans | 0.3027% | 4,372 |
| Net loans and leases to total assets | 74.2592% | 1,682 |
| Net loans and leases to deposits | 93.6815% | 1,231 |
| Net loans and leases to core deposits | 95.5012% | 1,895 |
| Total domestic deposits to total assets | 79.2678% | 4,912 |
| Equity capital to assets | 11.1333% | 2,694 |
| Core capital (leverage) ratio | 10.3978% | 3,056 |
| Tier 1 risk-based capital ratio | 13.1960% | 4,172 |
| Total risk-based capital ratio | 14.4498% | 4,101 |
| Memoranda: | ||
| Average total assets | $214,839,000 | 2,791 |
| Average earning assets | $193,298,200 | 2,856 |
| Average equity | $24,406,600 | 2,742 |
| Average total loans | $162,879,800 | 2,427 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 2,014 |
| Cost of funding earning assets | 0.6823% | 924 |
| Net interest margin | 3.6879% | 2,816 |
| Noninterest income to average assets | 0.2672% | 5,023 |
| Noninterest expense to average assets | 2.4092% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1358% | 1,879 |
| Return on assets (ROA) | 1.1376% | 1,946 |
| Pretax return on assets | 1.1946% | 2,842 |
| Return on Equity (ROE) | 9.9621% | 2,119 |
| Retained earnings to average equity (ytd only) | 4.3728% | 3,362 |
| Net charge-offs to loans | -0.0008% | 4,659 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2265% | 3,857 |
| Assets per employee ($millions) | 5.4428% | 1,834 |
| Cash dividends to net income (ytd only)* | 56.1058% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,772 |
| Loan loss allowance to noncurrent loans | 715.0134% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 3,837 |
| Noncurrent loans to loans | 0.2246% | 4,760 |
| Net loans and leases to total assets | 75.0400% | 1,539 |
| Net loans and leases to deposits | 91.3146% | 1,486 |
| Net loans and leases to core deposits | 93.5891% | 2,113 |
| Total domestic deposits to total assets | 82.1774% | 4,109 |
| Equity capital to assets | 11.3581% | 2,635 |
| Core capital (leverage) ratio | 10.8694% | 2,620 |
| Tier 1 risk-based capital ratio | 13.3174% | 4,240 |
| Total risk-based capital ratio | 14.5714% | 4,164 |
| Memoranda: | ||
| Average total assets | $213,068,750 | 2,831 |
| Average earning assets | $192,663,250 | 2,888 |
| Average equity | $24,331,500 | 2,769 |
| Average total loans | $161,733,500 | 2,459 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 1,950 |
| Cost of funding earning assets | 0.6755% | 964 |
| Net interest margin | 3.6931% | 2,739 |
| Noninterest income to average assets | 0.2685% | 5,033 |
| Noninterest expense to average assets | 2.3478% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2160% | 1,553 |
| Return on assets (ROA) | 1.2160% | 1,634 |
| Pretax return on assets | 1.2755% | 2,451 |
| Return on Equity (ROE) | 10.6284% | 1,800 |
| Retained earnings to average equity (ytd only) | 4.2233% | 3,344 |
| Net charge-offs to loans | -0.0025% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1441% | 4,333 |
| Assets per employee ($millions) | 5.1622% | 2,082 |
| Cash dividends to net income (ytd only)* | 60.2644% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6530% | 1,737 |
| Loan loss allowance to noncurrent loans | 224.2017% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9667% | 2,596 |
| Noncurrent loans to loans | 0.7373% | 3,269 |
| Net loans and leases to total assets | 75.0015% | 1,503 |
| Net loans and leases to deposits | 91.6814% | 1,403 |
| Net loans and leases to core deposits | 94.0492% | 1,954 |
| Total domestic deposits to total assets | 81.8067% | 4,357 |
| Equity capital to assets | 11.5436% | 2,378 |
| Core capital (leverage) ratio | 10.6440% | 2,799 |
| Tier 1 risk-based capital ratio | 13.4210% | 4,263 |
| Total risk-based capital ratio | 14.6753% | 4,196 |
| Memoranda: | ||
| Average total assets | $211,521,000 | 2,868 |
| Average earning assets | $192,142,670 | 2,914 |
| Average equity | $24,199,330 | 2,789 |
| Average total loans | $160,298,670 | 2,479 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3492% | 1,941 |
| Cost of funding earning assets | 0.6504% | 1,113 |
| Net interest margin | 3.6988% | 2,620 |
| Noninterest income to average assets | 0.2932% | 4,827 |
| Noninterest expense to average assets | 2.2927% | 4,903 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3052% | 1,256 |
| Return on assets (ROA) | 1.3052% | 1,344 |
| Pretax return on assets | 1.3677% | 2,006 |
| Return on Equity (ROE) | 11.4604% | 1,495 |
| Retained earnings to average equity (ytd only) | 2.6575% | 4,357 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0155% | 4,794 |
| Assets per employee ($millions) | 5.2284% | 2,077 |
| Cash dividends to net income (ytd only)* | 76.8116% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6529% | 1,870 |
| Loan loss allowance to noncurrent loans | 381.4020% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7417% | 3,267 |
| Noncurrent loans to loans | 0.4334% | 4,296 |
| Net loans and leases to total assets | 73.9991% | 1,498 |
| Net loans and leases to deposits | 90.6094% | 1,330 |
| Net loans and leases to core deposits | 92.7975% | 1,876 |
| Total domestic deposits to total assets | 81.6683% | 4,619 |
| Equity capital to assets | 11.3092% | 2,640 |
| Core capital (leverage) ratio | 10.6312% | 2,817 |
| Tier 1 risk-based capital ratio | 13.3369% | 4,405 |
| Total risk-based capital ratio | 14.5912% | 4,317 |
| Memoranda: | ||
| Average total assets | $211,457,000 | 2,894 |
| Average earning assets | $192,495,000 | 2,922 |
| Average equity | $24,083,000 | 2,818 |
| Average total loans | $159,744,000 | 2,493 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3642% | 2,350 |
| Cost of funding earning assets | 0.6816% | 1,200 |
| Net interest margin | 3.6826% | 3,074 |
| Noninterest income to average assets | 0.2775% | 5,128 |
| Noninterest expense to average assets | 2.4314% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0884% | 2,021 |
| Return on assets (ROA) | 1.0957% | 2,044 |
| Pretax return on assets | 1.1497% | 2,874 |
| Return on Equity (ROE) | 9.6745% | 2,264 |
| Retained earnings to average equity (ytd only) | 1.9740% | 4,809 |
| Net charge-offs to loans | 0.0257% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 62.3684% | 766 |
| Efficiency ratio | 67.3679% | 4,004 |
| Assets per employee ($millions) | 4.9654% | 2,364 |
| Cash dividends to net income (ytd only)* | 79.5954% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 1,811 |
| Loan loss allowance to noncurrent loans | 295.5654% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.8669% | 3,046 |
| Noncurrent loans to loans | 0.5702% | 3,956 |
| Net loans and leases to total assets | 74.5761% | 1,482 |
| Net loans and leases to deposits | 90.7217% | 1,440 |
| Net loans and leases to core deposits | 91.9440% | 2,095 |
| Total domestic deposits to total assets | 82.2031% | 4,348 |
| Equity capital to assets | 11.4712% | 2,452 |
| Core capital (leverage) ratio | 10.5584% | 2,885 |
| Tier 1 risk-based capital ratio | 13.8280% | 4,222 |
| Total risk-based capital ratio | 15.0836% | 4,151 |
| Memoranda: | ||
| Average total assets | $207,536,200 | 2,907 |
| Average earning assets | $185,740,400 | 2,967 |
| Average equity | $23,505,000 | 2,798 |
| Average total loans | $147,656,200 | 2,603 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 2,308 |
| Cost of funding earning assets | 0.6922% | 1,186 |
| Net interest margin | 3.6851% | 3,089 |
| Noninterest income to average assets | 0.2804% | 5,194 |
| Noninterest expense to average assets | 2.4398% | 4,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0652% | 2,172 |
| Return on assets (ROA) | 1.0780% | 2,185 |
| Pretax return on assets | 1.1314% | 3,064 |
| Return on Equity (ROE) | 9.5494% | 2,427 |
| Retained earnings to average equity (ytd only) | 4.5354% | 3,417 |
| Net charge-offs to loans | 0.0303% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 52.6655% | 940 |
| Efficiency ratio | 67.9082% | 3,872 |
| Assets per employee ($millions) | 4.9502% | 2,299 |
| Cash dividends to net income (ytd only)* | 52.5058% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 1,757 |
| Loan loss allowance to noncurrent loans | 470.2465% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 3,348 |
| Noncurrent loans to loans | 0.3769% | 4,782 |
| Net loans and leases to total assets | 71.1982% | 1,993 |
| Net loans and leases to deposits | 86.7404% | 1,825 |
| Net loans and leases to core deposits | 88.1611% | 2,408 |
| Total domestic deposits to total assets | 82.0819% | 4,453 |
| Equity capital to assets | 11.5326% | 2,449 |
| Core capital (leverage) ratio | 11.1086% | 2,389 |
| Tier 1 risk-based capital ratio | 14.5742% | 3,839 |
| Total risk-based capital ratio | 15.8305% | 3,775 |
| Memoranda: | ||
| Average total assets | $207,283,250 | 2,933 |
| Average earning assets | $184,341,500 | 3,008 |
| Average equity | $23,400,500 | 2,820 |
| Average total loans | $145,022,000 | 2,649 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,250 |
| Cost of funding earning assets | 0.7091% | 1,145 |
| Net interest margin | 3.6730% | 3,055 |
| Noninterest income to average assets | 0.2878% | 5,121 |
| Noninterest expense to average assets | 2.4532% | 4,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0441% | 2,144 |
| Return on assets (ROA) | 1.0634% | 2,141 |
| Pretax return on assets | 1.1165% | 3,026 |
| Return on Equity (ROE) | 9.4880% | 2,375 |
| Retained earnings to average equity (ytd only) | 3.8865% | 3,709 |
| Net charge-offs to loans | 0.0154% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 103.1818% | 546 |
| Efficiency ratio | 68.4354% | 3,929 |
| Assets per employee ($millions) | 4.9510% | 2,281 |
| Cash dividends to net income (ytd only)* | 59.0372% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8272% | 1,771 |
| Loan loss allowance to noncurrent loans | 234.7864% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 2,831 |
| Noncurrent loans to loans | 0.7782% | 3,752 |
| Net loans and leases to total assets | 71.2806% | 1,867 |
| Net loans and leases to deposits | 83.5927% | 2,071 |
| Net loans and leases to core deposits | 84.4864% | 2,689 |
| Total domestic deposits to total assets | 85.2713% | 3,375 |
| Equity capital to assets | 11.6404% | 2,286 |
| Core capital (leverage) ratio | 10.6784% | 2,747 |
| Tier 1 risk-based capital ratio | 14.7084% | 3,806 |
| Total risk-based capital ratio | 15.9655% | 3,753 |
| Memoranda: | ||
| Average total assets | $207,075,330 | 2,953 |
| Average earning assets | $183,883,670 | 3,028 |
| Average equity | $23,208,330 | 2,828 |
| Average total loans | $143,130,330 | 2,685 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,149 |
| Cost of funding earning assets | 0.7128% | 1,172 |
| Net interest margin | 3.6837% | 2,934 |
| Noninterest income to average assets | 0.2984% | 4,971 |
| Noninterest expense to average assets | 2.3948% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0911% | 1,847 |
| Return on assets (ROA) | 1.1056% | 1,853 |
| Pretax return on assets | 1.1611% | 2,652 |
| Return on Equity (ROE) | 10.0530% | 2,017 |
| Retained earnings to average equity (ytd only) | 9.6182% | 1,073 |
| Net charge-offs to loans | -0.0028% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9908% | 4,365 |
| Assets per employee ($millions) | 5.1319% | 2,090 |
| Cash dividends to net income (ytd only)* | 4.3253% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,732 |
| Loan loss allowance to noncurrent loans | 274.6193% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 3,293 |
| Noncurrent loans to loans | 0.6946% | 4,129 |
| Net loans and leases to total assets | 66.1127% | 2,549 |
| Net loans and leases to deposits | 76.9420% | 2,691 |
| Net loans and leases to core deposits | 77.6182% | 3,239 |
| Total domestic deposits to total assets | 85.9253% | 3,404 |
| Equity capital to assets | 11.1199% | 2,604 |
| Core capital (leverage) ratio | 10.7364% | 2,665 |
| Tier 1 risk-based capital ratio | 15.0498% | 3,691 |
| Total risk-based capital ratio | 16.3075% | 3,632 |
| Memoranda: | ||
| Average total assets | $209,117,000 | 2,947 |
| Average earning assets | $184,054,500 | 3,047 |
| Average equity | $22,998,000 | 2,844 |
| Average total loans | $141,002,000 | 2,722 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,574 |
| Cost of funding earning assets | 0.8354% | 1,021 |
| Net interest margin | 3.8627% | 2,422 |
| Noninterest income to average assets | 0.6110% | 3,021 |
| Noninterest expense to average assets | 2.6422% | 4,308 |
| Loan and lease loss provision to assets | 0.0448% | 4,230 |
| Net operating income to assets | 1.2867% | 1,282 |
| Return on assets (ROA) | 1.2891% | 1,329 |
| Pretax return on assets | 1.3537% | 1,954 |
| Return on Equity (ROE) | 10.9905% | 1,772 |
| Retained earnings to average equity (ytd only) | 1.9344% | 4,858 |
| Net charge-offs to loans | 0.1263% | 3,556 |
| Credit loss provision to net charge-offs | 50.5747% | 3,799 |
| Earnings coverage of net charge-offs (x) | 15.7701% | 1,849 |
| Efficiency ratio | 64.8022% | 4,767 |
| Assets per employee ($millions) | 5.0690% | 2,105 |
| Cash dividends to net income (ytd only)* | 82.3994% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 1,715 |
| Loan loss allowance to noncurrent loans | 284.0336% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.9816% | 3,452 |
| Noncurrent loans to loans | 0.6791% | 4,277 |
| Net loans and leases to total assets | 66.1557% | 2,670 |
| Net loans and leases to deposits | 76.8560% | 2,873 |
| Net loans and leases to core deposits | 77.6459% | 3,410 |
| Total domestic deposits to total assets | 86.0774% | 3,220 |
| Equity capital to assets | 10.8739% | 2,731 |
| Core capital (leverage) ratio | 10.4663% | 2,952 |
| Tier 1 risk-based capital ratio | 14.8500% | 3,750 |
| Total risk-based capital ratio | 16.1078% | 3,696 |
| Memoranda: | ||
| Average total assets | $196,575,000 | 3,068 |
| Average earning assets | $174,412,400 | 3,162 |
| Average equity | $23,056,200 | 2,814 |
| Average total loans | $137,816,800 | 2,738 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 1,442 |
| Cost of funding earning assets | 0.8577% | 1,003 |
| Net interest margin | 3.9035% | 2,260 |
| Noninterest income to average assets | 0.6427% | 2,916 |
| Noninterest expense to average assets | 2.6492% | 4,203 |
| Loan and lease loss provision to assets | 0.0606% | 3,836 |
| Net operating income to assets | 1.3413% | 1,240 |
| Return on assets (ROA) | 1.3446% | 1,282 |
| Pretax return on assets | 1.4127% | 1,894 |
| Return on Equity (ROE) | 11.2439% | 1,732 |
| Retained earnings to average equity (ytd only) | 6.1341% | 2,326 |
| Net charge-offs to loans | 0.0214% | 4,702 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 97.0996% | 510 |
| Efficiency ratio | 63.6819% | 4,855 |
| Assets per employee ($millions) | 4.9040% | 2,301 |
| Cash dividends to net income (ytd only)* | 45.4452% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0700% | 1,571 |
| Loan loss allowance to noncurrent loans | 210.4643% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.2599% | 3,119 |
| Noncurrent loans to loans | 0.9835% | 3,843 |
| Net loans and leases to total assets | 65.6002% | 2,707 |
| Net loans and leases to deposits | 76.7177% | 2,857 |
| Net loans and leases to core deposits | 77.3896% | 3,441 |
| Total domestic deposits to total assets | 85.5085% | 3,489 |
| Equity capital to assets | 11.3546% | 2,424 |
| Core capital (leverage) ratio | 11.0713% | 2,413 |
| Tier 1 risk-based capital ratio | 15.5691% | 3,438 |
| Total risk-based capital ratio | 16.8286% | 3,390 |
| Memoranda: | ||
| Average total assets | $193,761,750 | 3,125 |
| Average earning assets | $172,557,250 | 3,210 |
| Average equity | $23,170,500 | 2,829 |
| Average total loans | $137,222,500 | 2,756 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 1,085 |
| Cost of funding earning assets | 0.8867% | 957 |
| Net interest margin | 4.0179% | 1,799 |
| Noninterest income to average assets | 0.3659% | 4,779 |
| Noninterest expense to average assets | 2.7919% | 3,700 |
| Loan and lease loss provision to assets | 0.0843% | 3,386 |
| Net operating income to assets | 1.0116% | 2,282 |
| Return on assets (ROA) | 1.0238% | 2,347 |
| Pretax return on assets | 1.0712% | 3,212 |
| Return on Equity (ROE) | 8.4075% | 2,896 |
| Retained earnings to average equity (ytd only) | 3.1950% | 4,278 |
| Net charge-offs to loans | -0.0029% | 5,563 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2840% | 3,773 |
| Assets per employee ($millions) | 4.8656% | 2,276 |
| Cash dividends to net income (ytd only)* | 61.9979% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 1,759 |
| Loan loss allowance to noncurrent loans | 272.7445% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 1,810 |
| Noncurrent loans to loans | 0.7490% | 4,426 |
| Net loans and leases to total assets | 69.0292% | 2,061 |
| Net loans and leases to deposits | 80.8481% | 2,203 |
| Net loans and leases to core deposits | 81.8452% | 2,815 |
| Total domestic deposits to total assets | 85.3813% | 3,710 |
| Equity capital to assets | 11.3960% | 2,379 |
| Core capital (leverage) ratio | 10.5948% | 2,773 |
| Tier 1 risk-based capital ratio | 14.8880% | 3,851 |
| Total risk-based capital ratio | 16.1470% | 3,813 |
| Memoranda: | ||
| Average total assets | $189,692,670 | 3,199 |
| Average earning assets | $168,495,330 | 3,275 |
| Average equity | $23,098,330 | 2,854 |
| Average total loans | $136,972,670 | 2,758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0827% | 766 |
| Cost of funding earning assets | 0.9449% | 802 |
| Net interest margin | 4.1378% | 1,353 |
| Noninterest income to average assets | 0.3701% | 4,704 |
| Noninterest expense to average assets | 2.7598% | 3,831 |
| Loan and lease loss provision to assets | 0.0974% | 3,062 |
| Net operating income to assets | 1.1624% | 1,632 |
| Return on assets (ROA) | 1.1927% | 1,652 |
| Pretax return on assets | 1.1927% | 2,604 |
| Return on Equity (ROE) | 9.4672% | 2,285 |
| Retained earnings to average equity (ytd only) | 4.5532% | 3,499 |
| Net charge-offs to loans | -0.1509% | 6,606 |
| Credit loss provision to net charge-offs | -88.2353% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9591% | 4,316 |
| Assets per employee ($millions) | 4.5293% | 2,920 |
| Cash dividends to net income (ytd only)* | 51.9056% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9848% | 2,088 |
| Loan loss allowance to noncurrent loans | 388.4253% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 2.1229% | 2,212 |
| Noncurrent loans to loans | 0.5110% | 5,150 |
| Net loans and leases to total assets | 68.4053% | 1,938 |
| Net loans and leases to deposits | 79.8867% | 2,089 |
| Net loans and leases to core deposits | 81.4569% | 2,639 |
| Total domestic deposits to total assets | 85.6279% | 3,721 |
| Equity capital to assets | 11.2202% | 2,715 |
| Core capital (leverage) ratio | 10.2847% | 3,031 |
| Tier 1 risk-based capital ratio | 14.2814% | 4,298 |
| Total risk-based capital ratio | 15.5395% | 4,265 |
| Memoranda: | ||
| Average total assets | $184,793,500 | 3,295 |
| Average earning assets | $162,984,500 | 3,387 |
| Average equity | $23,280,500 | 2,885 |
| Average total loans | $135,169,500 | 2,800 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4603% | 674 |
| Cost of funding earning assets | 0.9744% | 1,496 |
| Net interest margin | 4.4859% | 970 |
| Noninterest income to average assets | 0.3371% | 5,048 |
| Noninterest expense to average assets | 2.9941% | 3,299 |
| Loan and lease loss provision to assets | 0.1524% | 3,708 |
| Net operating income to assets | 1.1440% | 1,791 |
| Return on assets (ROA) | 1.1440% | 1,959 |
| Pretax return on assets | 1.1656% | 2,922 |
| Return on Equity (ROE) | 7.7205% | 3,221 |
| Retained earnings to average equity (ytd only) | 1.8509% | 4,918 |
| Net charge-offs to loans | 0.0572% | 5,124 |
| Credit loss provision to net charge-offs | 347.8261% | 703 |
| Earnings coverage of net charge-offs (x) | 30.0870% | 1,011 |
| Efficiency ratio | 69.4346% | 3,907 |
| Assets per employee ($millions) | 4.3578% | 3,240 |
| Cash dividends to net income (ytd only)* | 76.0266% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1091% | 1,748 |
| Loan loss allowance to noncurrent loans | 602.9748% | 697 |
| Noncurrent assets plus other real estate owned to assets | 2.8914% | 1,646 |
| Noncurrent loans to loans | 0.3498% | 5,609 |
| Net loans and leases to total assets | 75.8483% | 938 |
| Net loans and leases to deposits | 90.4811% | 1,032 |
| Net loans and leases to core deposits | 93.1375% | 1,541 |
| Total domestic deposits to total assets | 83.8277% | 4,395 |
| Equity capital to assets | 14.3787% | 914 |
| Core capital (leverage) ratio | 14.4391% | 688 |
| Tier 1 risk-based capital ratio | 18.5825% | 2,077 |
| Total risk-based capital ratio | 19.8435% | 2,039 |
| Memoranda: | ||
| Average total assets | $157,511,600 | 3,660 |
| Average earning assets | $139,570,000 | 3,731 |
| Average equity | $23,340,600 | 2,818 |
| Average total loans | $120,549,200 | 3,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 768 |
| Cost of funding earning assets | 0.9961% | 1,581 |
| Net interest margin | 4.4414% | 1,114 |
| Noninterest income to average assets | 0.3338% | 5,135 |
| Noninterest expense to average assets | 2.9777% | 3,314 |
| Loan and lease loss provision to assets | 0.1533% | 3,614 |
| Net operating income to assets | 1.1742% | 1,816 |
| Return on assets (ROA) | 1.1742% | 2,009 |
| Pretax return on assets | 1.1742% | 3,083 |
| Return on Equity (ROE) | 7.8642% | 3,344 |
| Retained earnings to average equity (ytd only) | 5.0983% | 3,299 |
| Net charge-offs to loans | 0.0837% | 4,552 |
| Credit loss provision to net charge-offs | 240.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 20.7861% | 1,432 |
| Efficiency ratio | 69.1653% | 3,853 |
| Assets per employee ($millions) | 3.8203% | 4,254 |
| Cash dividends to net income (ytd only)* | 35.1704% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,837 |
| Loan loss allowance to noncurrent loans | 637.2208% | 624 |
| Noncurrent assets plus other real estate owned to assets | 2.9922% | 1,746 |
| Noncurrent loans to loans | 0.3355% | 5,802 |
| Net loans and leases to total assets | 73.2599% | 1,358 |
| Net loans and leases to deposits | 87.0757% | 1,472 |
| Net loans and leases to core deposits | 92.9968% | 1,686 |
| Total domestic deposits to total assets | 84.1336% | 4,158 |
| Equity capital to assets | 14.7820% | 875 |
| Core capital (leverage) ratio | 15.1694% | 585 |
| Tier 1 risk-based capital ratio | 18.8055% | 2,073 |
| Total risk-based capital ratio | 20.0572% | 2,036 |
| Memoranda: | ||
| Average total assets | $156,579,750 | 3,709 |
| Average earning assets | $140,013,750 | 3,766 |
| Average equity | $23,379,750 | 2,835 |
| Average total loans | $119,453,500 | 3,123 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4878% | 737 |
| Cost of funding earning assets | 1.0245% | 1,613 |
| Net interest margin | 4.4633% | 1,057 |
| Noninterest income to average assets | 0.3452% | 5,075 |
| Noninterest expense to average assets | 2.9403% | 3,470 |
| Loan and lease loss provision to assets | 0.1546% | 3,588 |
| Net operating income to assets | 1.2454% | 1,574 |
| Return on assets (ROA) | 1.2454% | 1,752 |
| Pretax return on assets | 1.2454% | 2,745 |
| Return on Equity (ROE) | 8.3122% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.3122% | 1,518 |
| Net charge-offs to loans | 0.0017% | 5,496 |
| Credit loss provision to net charge-offs | 12,000.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 1,087.0000% | 26 |
| Efficiency ratio | 67.7448% | 4,179 |
| Assets per employee ($millions) | 3.8438% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1356% | 1,919 |
| Loan loss allowance to noncurrent loans | 500.3876% | 717 |
| Noncurrent assets plus other real estate owned to assets | 3.2039% | 1,701 |
| Noncurrent loans to loans | 0.4268% | 5,680 |
| Net loans and leases to total assets | 76.9569% | 847 |
| Net loans and leases to deposits | 92.4607% | 890 |
| Net loans and leases to core deposits | 101.2909% | 1,019 |
| Total domestic deposits to total assets | 83.2320% | 4,663 |
| Equity capital to assets | 15.4594% | 684 |
| Core capital (leverage) ratio | 15.3727% | 539 |
| Tier 1 risk-based capital ratio | 19.1644% | 1,921 |
| Total risk-based capital ratio | 20.4237% | 1,898 |
| Memoranda: | ||
| Average total assets | $155,289,000 | 3,750 |
| Average earning assets | $139,000,330 | 3,802 |
| Average equity | $23,267,000 | 2,830 |
| Average total loans | $119,233,000 | 3,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 919 |
| Cost of funding earning assets | 1.0324% | 1,793 |
| Net interest margin | 4.3632% | 1,302 |
| Noninterest income to average assets | 0.3768% | 4,844 |
| Noninterest expense to average assets | 2.8759% | 3,723 |
| Loan and lease loss provision to assets | 0.1538% | 3,453 |
| Net operating income to assets | 1.2688% | 1,542 |
| Return on assets (ROA) | 1.2688% | 1,713 |
| Pretax return on assets | 1.2688% | 2,654 |
| Return on Equity (ROE) | 8.6027% | 2,997 |
| Retained earnings to average equity (ytd only) | 8.6027% | 1,730 |
| Net charge-offs to loans | -0.0068% | 5,850 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9052% | 4,376 |
| Assets per employee ($millions) | 4.0266% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0996% | 2,106 |
| Loan loss allowance to noncurrent loans | 354.1374% | 941 |
| Noncurrent assets plus other real estate owned to assets | 1.7022% | 3,306 |
| Noncurrent loans to loans | 0.5929% | 5,474 |
| Net loans and leases to total assets | 74.9739% | 924 |
| Net loans and leases to deposits | 89.2819% | 1,033 |
| Net loans and leases to core deposits | 96.7436% | 1,233 |
| Total domestic deposits to total assets | 83.9744% | 4,502 |
| Equity capital to assets | 14.8106% | 780 |
| Core capital (leverage) ratio | 14.8018% | 631 |
| Tier 1 risk-based capital ratio | 19.4614% | 1,852 |
| Total risk-based capital ratio | 20.7223% | 1,817 |
| Memoranda: | ||
| Average total assets | $156,058,000 | 3,761 |
| Average earning assets | $140,262,500 | 3,809 |
| Average equity | $23,016,000 | 2,852 |
| Average total loans | $118,397,500 | 3,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6698% | 830 |
| Cost of funding earning assets | 1.1764% | 2,184 |
| Net interest margin | 4.4934% | 1,148 |
| Noninterest income to average assets | 0.4482% | 4,229 |
| Noninterest expense to average assets | 2.8376% | 4,205 |
| Loan and lease loss provision to assets | 0.3768% | 2,733 |
| Net operating income to assets | 1.2746% | 1,307 |
| Return on assets (ROA) | 1.2746% | 1,410 |
| Pretax return on assets | 1.2785% | 2,210 |
| Return on Equity (ROE) | 8.5705% | 2,645 |
| Retained earnings to average equity (ytd only) | 1.2755% | 5,258 |
| Net charge-offs to loans | -0.0363% | 7,018 |
| Credit loss provision to net charge-offs | -1,380.9524% | 6,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 5,267 |
| Assets per employee ($millions) | 4.1914% | 3,479 |
| Cash dividends to net income (ytd only)* | 85.1172% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1135% | 1,969 |
| Loan loss allowance to noncurrent loans | 1,026.2500% | 387 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 3,853 |
| Noncurrent loans to loans | 0.2059% | 6,334 |
| Net loans and leases to total assets | 73.5562% | 1,347 |
| Net loans and leases to deposits | 87.7166% | 1,424 |
| Net loans and leases to core deposits | 97.7129% | 1,356 |
| Total domestic deposits to total assets | 83.8567% | 4,376 |
| Equity capital to assets | 14.6853% | 849 |
| Core capital (leverage) ratio | 14.4796% | 717 |
| Tier 1 risk-based capital ratio | 19.4367% | 1,784 |
| Total risk-based capital ratio | 20.6980% | 1,748 |
| Memoranda: | ||
| Average total assets | $153,933,200 | 3,737 |
| Average earning assets | $138,558,600 | 3,773 |
| Average equity | $22,892,600 | 2,793 |
| Average total loans | $115,753,000 | 3,259 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 859 |
| Cost of funding earning assets | 1.1939% | 2,357 |
| Net interest margin | 4.5001% | 1,152 |
| Noninterest income to average assets | 0.3749% | 4,869 |
| Noninterest expense to average assets | 2.7873% | 4,391 |
| Loan and lease loss provision to assets | 0.3254% | 2,929 |
| Net operating income to assets | 1.3277% | 1,313 |
| Return on assets (ROA) | 1.3277% | 1,398 |
| Pretax return on assets | 1.3277% | 2,190 |
| Return on Equity (ROE) | 8.8994% | 2,644 |
| Retained earnings to average equity (ytd only) | 6.3052% | 2,365 |
| Net charge-offs to loans | -0.0473% | 7,043 |
| Credit loss provision to net charge-offs | -914.6341% | 6,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7712% | 5,281 |
| Assets per employee ($millions) | 4.1858% | 3,475 |
| Cash dividends to net income (ytd only)* | 29.1502% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8994% | 2,610 |
| Loan loss allowance to noncurrent loans | 744.8845% | 458 |
| Noncurrent assets plus other real estate owned to assets | 1.6058% | 3,675 |
| Noncurrent loans to loans | 0.2550% | 6,363 |
| Net loans and leases to total assets | 75.2696% | 1,102 |
| Net loans and leases to deposits | 90.4775% | 1,157 |
| Net loans and leases to core deposits | 100.8312% | 1,178 |
| Total domestic deposits to total assets | 83.1915% | 4,609 |
| Equity capital to assets | 15.2337% | 787 |
| Core capital (leverage) ratio | 15.5441% | 567 |
| Tier 1 risk-based capital ratio | 19.6943% | 1,760 |
| Total risk-based capital ratio | 20.9524% | 1,728 |
| Memoranda: | ||
| Average total assets | $153,646,500 | 3,762 |
| Average earning assets | $138,809,500 | 3,788 |
| Average equity | $22,922,250 | 2,788 |
| Average total loans | $115,557,750 | 3,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6178% | 1,044 |
| Cost of funding earning assets | 1.2049% | 2,544 |
| Net interest margin | 4.4128% | 1,333 |
| Noninterest income to average assets | 0.3237% | 5,305 |
| Noninterest expense to average assets | 2.7474% | 4,637 |
| Loan and lease loss provision to assets | 0.3524% | 2,672 |
| Net operating income to assets | 1.2151% | 1,528 |
| Return on assets (ROA) | 1.2151% | 1,611 |
| Pretax return on assets | 1.2151% | 2,423 |
| Return on Equity (ROE) | 8.2031% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.0268% | 2,414 |
| Net charge-offs to loans | -0.1118% | 7,191 |
| Credit loss provision to net charge-offs | -421.8750% | 6,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6721% | 5,308 |
| Assets per employee ($millions) | 4.2318% | 3,297 |
| Cash dividends to net income (ytd only)* | 26.5306% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8099% | 2,959 |
| Loan loss allowance to noncurrent loans | 511.7647% | 651 |
| Noncurrent assets plus other real estate owned to assets | 1.8763% | 3,396 |
| Noncurrent loans to loans | 0.3537% | 6,212 |
| Net loans and leases to total assets | 79.6674% | 564 |
| Net loans and leases to deposits | 96.7070% | 669 |
| Net loans and leases to core deposits | 107.8534% | 821 |
| Total domestic deposits to total assets | 82.3802% | 5,033 |
| Equity capital to assets | 15.6233% | 674 |
| Core capital (leverage) ratio | 15.1035% | 648 |
| Tier 1 risk-based capital ratio | 19.5660% | 1,701 |
| Total risk-based capital ratio | 20.8232% | 1,672 |
| Memoranda: | ||
| Average total assets | $153,237,330 | 3,797 |
| Average earning assets | $138,596,330 | 3,813 |
| Average equity | $22,698,670 | 2,791 |
| Average total loans | $114,467,000 | 3,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4328% | 1,470 |
| Cost of funding earning assets | 1.2149% | 2,719 |
| Net interest margin | 4.2179% | 1,841 |
| Noninterest income to average assets | 0.3158% | 5,405 |
| Noninterest expense to average assets | 2.7497% | 4,646 |
| Loan and lease loss provision to assets | 0.2567% | 3,089 |
| Net operating income to assets | 1.1065% | 1,821 |
| Return on assets (ROA) | 1.1065% | 1,871 |
| Pretax return on assets | 1.1065% | 2,733 |
| Return on Equity (ROE) | 7.6697% | 3,062 |
| Retained earnings to average equity (ytd only) | 7.6697% | 1,854 |
| Net charge-offs to loans | -0.0358% | 6,768 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8539% | 4,886 |
| Assets per employee ($millions) | 4.5237% | 2,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7395% | 3,217 |
| Loan loss allowance to noncurrent loans | 453.7209% | 695 |
| Noncurrent assets plus other real estate owned to assets | 1.8335% | 3,520 |
| Noncurrent loans to loans | 0.3834% | 6,231 |
| Net loans and leases to total assets | 71.6526% | 1,786 |
| Net loans and leases to deposits | 85.9514% | 1,736 |
| Net loans and leases to core deposits | 98.1966% | 1,508 |
| Total domestic deposits to total assets | 83.3641% | 4,764 |
| Equity capital to assets | 14.7810% | 816 |
| Core capital (leverage) ratio | 14.8142% | 689 |
| Tier 1 risk-based capital ratio | 20.2595% | 1,532 |
| Total risk-based capital ratio | 21.5158% | 1,501 |
| Memoranda: | ||
| Average total assets | $155,800,000 | 3,777 |
| Average earning assets | $140,259,500 | 3,814 |
| Average equity | $22,478,000 | 2,803 |
| Average total loans | $111,614,500 | 3,451 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7152% | 1,514 |
| Cost of funding earning assets | 1.5748% | 2,217 |
| Net interest margin | 4.1404% | 2,411 |
| Noninterest income to average assets | 0.3798% | 5,063 |
| Noninterest expense to average assets | 2.9537% | 4,022 |
| Loan and lease loss provision to assets | 1.9433% | 690 |
| Net operating income to assets | -0.7687% | 6,562 |
| Return on assets (ROA) | -0.7687% | 6,585 |
| Pretax return on assets | -0.7808% | 6,513 |
| Return on Equity (ROE) | -5.4034% | 6,468 |
| Retained earnings to average equity (ytd only) | -9.5082% | 6,640 |
| Net charge-offs to loans | 2.0254% | 994 |
| Credit loss provision to net charge-offs | 132.5072% | 2,965 |
| Earnings coverage of net charge-offs (x) | 0.7926% | 5,336 |
| Efficiency ratio | 71.7586% | 3,843 |
| Assets per employee ($millions) | 4.6410% | 2,642 |
| Cash dividends to net income (ytd only)* | -75.9653% | 7,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 3,369 |
| Loan loss allowance to noncurrent loans | 459.1022% | 695 |
| Noncurrent assets plus other real estate owned to assets | 2.3854% | 2,883 |
| Noncurrent loans to loans | 0.3610% | 6,339 |
| Net loans and leases to total assets | 69.2238% | 2,719 |
| Net loans and leases to deposits | 82.9745% | 2,636 |
| Net loans and leases to core deposits | 96.8180% | 1,913 |
| Total domestic deposits to total assets | 83.4278% | 4,635 |
| Equity capital to assets | 14.0829% | 1,010 |
| Core capital (leverage) ratio | 15.0596% | 655 |
| Tier 1 risk-based capital ratio | 19.0497% | 1,709 |
| Total risk-based capital ratio | 20.3038% | 1,674 |
| Memoranda: | ||
| Average total assets | $165,080,200 | 3,614 |
| Average earning assets | $148,970,000 | 3,646 |
| Average equity | $23,485,000 | 2,703 |
| Average total loans | $119,530,200 | 3,320 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 2,548 |
| Cost of funding earning assets | 1.0731% | 5,580 |
| Net interest margin | 4.3998% | 1,526 |
| Noninterest income to average assets | 0.4580% | 4,504 |
| Noninterest expense to average assets | 2.6083% | 5,293 |
| Loan and lease loss provision to assets | 1.9932% | 597 |
| Net operating income to assets | -0.2666% | 6,397 |
| Return on assets (ROA) | -0.2666% | 6,447 |
| Pretax return on assets | -0.2574% | 6,373 |
| Return on Equity (ROE) | -1.4466% | 6,332 |
| Retained earnings to average equity (ytd only) | -3.4303% | 6,397 |
| Net charge-offs to loans | 2.5949% | 638 |
| Credit loss provision to net charge-offs | 113.5338% | 3,690 |
| Earnings coverage of net charge-offs (x) | 0.9887% | 5,071 |
| Efficiency ratio | 60.0425% | 5,947 |
| Assets per employee ($millions) | 4.6637% | 2,661 |
| Cash dividends to net income (ytd only)* | -137.1255% | 7,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0583% | 2,084 |
| Loan loss allowance to noncurrent loans | 137.1457% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 2.6442% | 2,741 |
| Noncurrent loans to loans | 1.5008% | 4,387 |
| Net loans and leases to total assets | 65.0676% | 3,896 |
| Net loans and leases to deposits | 80.4987% | 3,357 |
| Net loans and leases to core deposits | 85.7172% | 3,698 |
| Total domestic deposits to total assets | 80.8306% | 5,440 |
| Equity capital to assets | 17.9823% | 413 |
| Core capital (leverage) ratio | 18.5114% | 322 |
| Tier 1 risk-based capital ratio | 26.3449% | 750 |
| Total risk-based capital ratio | 27.6047% | 730 |
| Memoranda: | ||
| Average total assets | $101,008,500 | 5,012 |
| Average earning assets | $89,213,500 | 5,101 |
| Average equity | $18,617,750 | 3,372 |
| Average total loans | $68,336,500 | 4,813 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 2,617 |
| Cost of funding earning assets | 1.1199% | 5,570 |
| Net interest margin | 4.3584% | 1,568 |
| Noninterest income to average assets | 0.4638% | 4,406 |
| Noninterest expense to average assets | 2.6454% | 5,149 |
| Loan and lease loss provision to assets | 2.3090% | 506 |
| Net operating income to assets | -0.6389% | 6,768 |
| Return on assets (ROA) | -0.6389% | 6,796 |
| Pretax return on assets | -0.6250% | 6,681 |
| Return on Equity (ROE) | -3.4380% | 6,559 |
| Retained earnings to average equity (ytd only) | -5.0445% | 6,559 |
| Net charge-offs to loans | 2.7429% | 603 |
| Credit loss provision to net charge-offs | 123.6674% | 3,272 |
| Earnings coverage of net charge-offs (x) | 0.9019% | 4,870 |
| Efficiency ratio | 61.1034% | 5,832 |
| Assets per employee ($millions) | 4.0564% | 3,661 |
| Cash dividends to net income (ytd only)* | -46.7290% | 7,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0714% | 2,030 |
| Loan loss allowance to noncurrent loans | 128.1028% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 3.4102% | 2,064 |
| Noncurrent loans to loans | 1.6170% | 4,283 |
| Net loans and leases to total assets | 70.1707% | 2,865 |
| Net loans and leases to deposits | 87.8535% | 2,197 |
| Net loans and leases to core deposits | 94.1600% | 2,692 |
| Total domestic deposits to total assets | 79.8724% | 5,764 |
| Equity capital to assets | 18.9104% | 351 |
| Core capital (leverage) ratio | 18.1456% | 346 |
| Tier 1 risk-based capital ratio | 25.8676% | 776 |
| Total risk-based capital ratio | 27.1282% | 765 |
| Memoranda: | ||
| Average total assets | $100,477,670 | 5,062 |
| Average earning assets | $89,115,670 | 5,132 |
| Average equity | $18,673,670 | 3,352 |
| Average total loans | $68,394,330 | 4,846 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 3,536 |
| Cost of funding earning assets | 1.1461% | 5,675 |
| Net interest margin | 4.1568% | 2,203 |
| Noninterest income to average assets | 0.4978% | 4,063 |
| Noninterest expense to average assets | 2.6970% | 4,920 |
| Loan and lease loss provision to assets | 2.7832% | 368 |
| Net operating income to assets | -1.3132% | 7,255 |
| Return on assets (ROA) | -1.3132% | 7,269 |
| Pretax return on assets | -1.2858% | 7,181 |
| Return on Equity (ROE) | -7.1256% | 7,006 |
| Retained earnings to average equity (ytd only) | -7.1256% | 6,755 |
| Net charge-offs to loans | 0.0177% | 5,332 |
| Credit loss provision to net charge-offs | 23,666.6667% | 15 |
| Earnings coverage of net charge-offs (x) | 127.3333% | 258 |
| Efficiency ratio | 64.2991% | 5,435 |
| Assets per employee ($millions) | 4.2847% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8647% | 926 |
| Loan loss allowance to noncurrent loans | 80.1162% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 4.1018% | 1,670 |
| Noncurrent loans to loans | 3.5757% | 2,233 |
| Net loans and leases to total assets | 63.6381% | 4,402 |
| Net loans and leases to deposits | 78.7668% | 3,887 |
| Net loans and leases to core deposits | 84.3954% | 4,153 |
| Total domestic deposits to total assets | 80.7931% | 5,524 |
| Equity capital to assets | 18.1236% | 411 |
| Core capital (leverage) ratio | 18.2493% | 360 |
| Tier 1 risk-based capital ratio | 26.5130% | 738 |
| Total risk-based capital ratio | 27.7824% | 721 |
| Memoranda: | ||
| Average total assets | $102,039,500 | 5,090 |
| Average earning assets | $90,743,500 | 5,144 |
| Average equity | $18,805,500 | 3,346 |
| Average total loans | $67,712,000 | 4,942 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7479% | 2,871 |
| Cost of funding earning assets | 1.4107% | 5,888 |
| Net interest margin | 4.3372% | 1,610 |
| Noninterest income to average assets | 0.4724% | 4,635 |
| Noninterest expense to average assets | 2.6340% | 5,656 |
| Loan and lease loss provision to assets | 0.2558% | 5,350 |
| Net operating income to assets | 1.4018% | 848 |
| Return on assets (ROA) | 1.3541% | 983 |
| Pretax return on assets | 1.4274% | 1,368 |
| Return on Equity (ROE) | 6.9724% | 2,799 |
| Retained earnings to average equity (ytd only) | -1.0381% | 5,272 |
| Net charge-offs to loans | 0.1212% | 5,967 |
| Credit loss provision to net charge-offs | 307.2289% | 1,075 |
| Earnings coverage of net charge-offs (x) | 20.8193% | 1,023 |
| Efficiency ratio | 60.3124% | 6,435 |
| Assets per employee ($millions) | 4.2186% | 3,400 |
| Cash dividends to net income (ytd only)* | 114.8889% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 2,553 |
| Loan loss allowance to noncurrent loans | 633.6788% | 539 |
| Noncurrent assets plus other real estate owned to assets | 2.0218% | 3,372 |
| Noncurrent loans to loans | 0.2836% | 6,717 |
| Net loans and leases to total assets | 66.0075% | 4,146 |
| Net loans and leases to deposits | 82.4675% | 3,553 |
| Net loans and leases to core deposits | 96.4400% | 4,408 |
| Total domestic deposits to total assets | 80.0407% | 5,661 |
| Equity capital to assets | 18.7405% | 388 |
| Core capital (leverage) ratio | 18.5562% | 364 |
| Tier 1 risk-based capital ratio | 18.2887% | 1,819 |
| Total risk-based capital ratio | 19.4864% | 1,784 |
| Memoranda: | ||
| Average total assets | $99,694,400 | 5,093 |
| Average earning assets | $89,528,400 | 5,137 |
| Average equity | $19,362,000 | 3,297 |
| Average total loans | $68,499,400 | 4,922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7527% | 3,088 |
| Cost of funding earning assets | 1.4468% | 6,049 |
| Net interest margin | 4.3060% | 1,714 |
| Noninterest income to average assets | 0.4793% | 4,674 |
| Noninterest expense to average assets | 2.6275% | 5,610 |
| Loan and lease loss provision to assets | 0.1678% | 5,679 |
| Net operating income to assets | 1.4802% | 853 |
| Return on assets (ROA) | 1.4165% | 1,054 |
| Pretax return on assets | 1.4930% | 1,433 |
| Return on Equity (ROE) | 7.2287% | 2,974 |
| Retained earnings to average equity (ytd only) | 3.9604% | 3,063 |
| Net charge-offs to loans | 0.0389% | 6,366 |
| Credit loss provision to net charge-offs | 625.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 64.3405% | 510 |
| Efficiency ratio | 60.3268% | 6,365 |
| Assets per employee ($millions) | 4.2161% | 3,352 |
| Cash dividends to net income (ytd only)* | 45.2130% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 2,735 |
| Loan loss allowance to noncurrent loans | 145.9596% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 3,605 |
| Noncurrent loans to loans | 1.1433% | 5,034 |
| Net loans and leases to total assets | 67.3166% | 4,111 |
| Net loans and leases to deposits | 85.0544% | 3,488 |
| Net loans and leases to core deposits | 98.4235% | 4,562 |
| Total domestic deposits to total assets | 79.1453% | 5,750 |
| Equity capital to assets | 19.5442% | 371 |
| Core capital (leverage) ratio | 19.6400% | 335 |
| Tier 1 risk-based capital ratio | 19.0808% | 1,733 |
| Total risk-based capital ratio | 20.2146% | 1,714 |
| Memoranda: | ||
| Average total assets | $99,306,500 | 5,142 |
| Average earning assets | $89,392,750 | 5,183 |
| Average equity | $19,459,000 | 3,320 |
| Average total loans | $68,611,000 | 4,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7306% | 3,389 |
| Cost of funding earning assets | 1.5102% | 6,098 |
| Net interest margin | 4.2204% | 1,917 |
| Noninterest income to average assets | 0.4905% | 4,528 |
| Noninterest expense to average assets | 2.5942% | 5,761 |
| Loan and lease loss provision to assets | 0.2027% | 5,028 |
| Net operating income to assets | 1.4289% | 962 |
| Return on assets (ROA) | 1.4289% | 1,026 |
| Pretax return on assets | 1.4998% | 1,440 |
| Return on Equity (ROE) | 7.2856% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.5574% | 2,759 |
| Net charge-offs to loans | 0.0088% | 6,449 |
| Credit loss provision to net charge-offs | 3,333.3333% | 143 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 139 |
| Efficiency ratio | 60.3774% | 6,483 |
| Assets per employee ($millions) | 4.1260% | 3,441 |
| Cash dividends to net income (ytd only)* | 37.4468% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 2,592 |
| Loan loss allowance to noncurrent loans | 620.5405% | 542 |
| Noncurrent assets plus other real estate owned to assets | 1.2815% | 4,373 |
| Noncurrent loans to loans | 0.2637% | 6,867 |
| Net loans and leases to total assets | 69.6962% | 3,771 |
| Net loans and leases to deposits | 88.2174% | 3,139 |
| Net loans and leases to core deposits | 103.2694% | 4,151 |
| Total domestic deposits to total assets | 79.0051% | 5,814 |
| Equity capital to assets | 19.7316% | 405 |
| Core capital (leverage) ratio | 19.2786% | 401 |
| Tier 1 risk-based capital ratio | 19.3203% | 1,716 |
| Total risk-based capital ratio | 20.4685% | 1,691 |
| Memoranda: | ||
| Average total assets | $98,680,000 | 5,194 |
| Average earning assets | $88,996,000 | 5,235 |
| Average equity | $19,353,330 | 3,346 |
| Average total loans | $68,391,000 | 5,021 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7195% | 3,694 |
| Cost of funding earning assets | 1.5595% | 6,200 |
| Net interest margin | 4.1600% | 2,049 |
| Noninterest income to average assets | 0.5035% | 4,297 |
| Noninterest expense to average assets | 2.4242% | 6,116 |
| Loan and lease loss provision to assets | 0.3045% | 3,515 |
| Net operating income to assets | 1.4456% | 1,053 |
| Return on assets (ROA) | 1.4456% | 1,129 |
| Pretax return on assets | 1.5227% | 1,604 |
| Return on Equity (ROE) | 7.3934% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.3934% | 2,057 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0201% | 6,823 |
| Assets per employee ($millions) | 4.3427% | 2,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 2,313 |
| Loan loss allowance to noncurrent loans | 536.1905% | 655 |
| Noncurrent assets plus other real estate owned to assets | 1.2955% | 4,090 |
| Noncurrent loans to loans | 0.3079% | 6,667 |
| Net loans and leases to total assets | 67.1609% | 4,311 |
| Net loans and leases to deposits | 84.6395% | 3,873 |
| Net loans and leases to core deposits | 98.3679% | 4,707 |
| Total domestic deposits to total assets | 79.3494% | 5,589 |
| Equity capital to assets | 19.4892% | 449 |
| Core capital (leverage) ratio | 19.7825% | 404 |
| Tier 1 risk-based capital ratio | 19.0860% | 1,796 |
| Total risk-based capital ratio | 20.2034% | 1,778 |
| Memoranda: | ||
| Average total assets | $98,508,000 | 5,220 |
| Average earning assets | $88,749,000 | 5,264 |
| Average equity | $19,260,500 | 3,379 |
| Average total loans | $67,504,500 | 5,074 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2083% | 4,474 |
| Cost of funding earning assets | 2.0332% | 6,309 |
| Net interest margin | 4.1752% | 2,415 |
| Noninterest income to average assets | 0.4891% | 4,700 |
| Noninterest expense to average assets | 2.5367% | 5,868 |
| Loan and lease loss provision to assets | 0.1938% | 4,943 |
| Net operating income to assets | 1.4674% | 1,082 |
| Return on assets (ROA) | 1.4674% | 1,042 |
| Pretax return on assets | 1.5355% | 1,577 |
| Return on Equity (ROE) | 7.2438% | 3,406 |
| Retained earnings to average equity (ytd only) | -0.2895% | 5,374 |
| Net charge-offs to loans | 0.0950% | 5,376 |
| Credit loss provision to net charge-offs | 293.6508% | 1,543 |
| Earnings coverage of net charge-offs (x) | 26.2063% | 1,300 |
| Efficiency ratio | 59.4648% | 6,437 |
| Assets per employee ($millions) | 4.2233% | 3,076 |
| Cash dividends to net income (ytd only)* | 103.9971% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 2,350 |
| Loan loss allowance to noncurrent loans | 533.5025% | 822 |
| Noncurrent assets plus other real estate owned to assets | 1.3188% | 3,585 |
| Noncurrent loans to loans | 0.2949% | 6,494 |
| Net loans and leases to total assets | 67.6903% | 4,513 |
| Net loans and leases to deposits | 85.5342% | 4,178 |
| Net loans and leases to core deposits | 98.7208% | 4,961 |
| Total domestic deposits to total assets | 79.1383% | 5,323 |
| Equity capital to assets | 19.6170% | 490 |
| Core capital (leverage) ratio | 19.1429% | 500 |
| Tier 1 risk-based capital ratio | 19.2567% | 1,761 |
| Total risk-based capital ratio | 20.3289% | 1,751 |
| Memoranda: | ||
| Average total assets | $95,476,800 | 5,188 |
| Average earning assets | $86,367,600 | 5,213 |
| Average equity | $19,340,800 | 3,339 |
| Average total loans | $66,315,000 | 5,006 |