Home > Cherokee State Bank > Performance and Condition Ratios
Cherokee 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 | 4.9717% | 3,161 |
| Cost of funding earning assets | 2.4109% | 1,012 |
| Net interest margin | 2.5608% | 3,976 |
| Noninterest income to average assets | 0.3600% | 2,477 |
| Noninterest expense to average assets | 2.1167% | 3,322 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.4568% | 3,646 |
| Return on assets (ROA) | 0.4568% | 3,663 |
| Pretax return on assets | 0.5528% | 3,646 |
| Return on Equity (ROE) | 5.1200% | 3,514 |
| Retained earnings to average equity (ytd only) | -0.0853% | 3,742 |
| Net charge-offs to loans | -0.0023% | 3,575 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 76.8805% | 1,176 |
| Assets per employee ($millions) | 9.1270% | 1,060 |
| Cash dividends to net income (ytd only)* | 101.6667% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,467 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 64.3700% | 2,458 |
| Net loans and leases to deposits | 77.9105% | 2,239 |
| Net loans and leases to core deposits | 85.1918% | 2,380 |
| Total domestic deposits to total assets | 82.6200% | 3,188 |
| Equity capital to assets | 9.0331% | 2,908 |
| Core capital (leverage) ratio | 13.0813% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $262,674,500 | 2,668 |
| Average earning assets | $245,552,000 | 2,647 |
| Average equity | $23,451,500 | 2,794 |
| Average total loans | $172,542,000 | 2,590 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0495% | 3,010 |
| Cost of funding earning assets | 2.4236% | 1,306 |
| Net interest margin | 2.6259% | 3,740 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 2.1300% | 3,306 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.7077% | 2,954 |
| Return on assets (ROA) | 0.7074% | 2,983 |
| Pretax return on assets | 0.8835% | 2,853 |
| Return on Equity (ROE) | 7.8900% | 2,787 |
| Retained earnings to average equity (ytd only) | 2.9345% | 3,068 |
| Net charge-offs to loans | 0.2489% | 596 |
| Credit loss provision to net charge-offs | 23.7530% | 2,450 |
| Earnings coverage of net charge-offs (x) | 5.6105% | 2,564 |
| Efficiency ratio | 70.0634% | 1,981 |
| Assets per employee ($millions) | 8.9885% | 1,061 |
| Cash dividends to net income (ytd only)* | 62.7996% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 2,524 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 65.5200% | 2,419 |
| Net loans and leases to deposits | 81.1335% | 2,036 |
| Net loans and leases to core deposits | 89.5828% | 2,133 |
| Total domestic deposits to total assets | 80.7500% | 3,455 |
| Equity capital to assets | 8.8213% | 2,960 |
| Core capital (leverage) ratio | 12.9161% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $259,531,400 | 2,650 |
| Average earning assets | $242,657,200 | 2,635 |
| Average equity | $23,275,000 | 2,746 |
| Average total loans | $169,119,200 | 2,582 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 2,983 |
| Cost of funding earning assets | 2.4146% | 1,324 |
| Net interest margin | 2.6162% | 3,740 |
| Noninterest income to average assets | 0.5400% | 1,719 |
| Noninterest expense to average assets | 2.1019% | 3,321 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.7231% | 2,921 |
| Return on assets (ROA) | 0.7231% | 2,940 |
| Pretax return on assets | 0.8980% | 2,806 |
| Return on Equity (ROE) | 8.0300% | 2,763 |
| Retained earnings to average equity (ytd only) | 3.0898% | 3,144 |
| Net charge-offs to loans | -0.0008% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 70.4048% | 1,972 |
| Assets per employee ($millions) | 9.4053% | 928 |
| Cash dividends to net income (ytd only)* | 61.5220% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,492 |
| Loan loss allowance to noncurrent loans | 548.6747% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,686 |
| Noncurrent loans to loans | 0.2475% | 2,546 |
| Net loans and leases to total assets | 62.8100% | 2,654 |
| Net loans and leases to deposits | 76.1230% | 2,517 |
| Net loans and leases to core deposits | 86.5676% | 2,378 |
| Total domestic deposits to total assets | 82.5100% | 2,975 |
| Equity capital to assets | 9.5414% | 2,636 |
| Core capital (leverage) ratio | 13.0391% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $259,247,750 | 2,650 |
| Average earning assets | $242,689,250 | 2,625 |
| Average equity | $23,345,250 | 2,734 |
| Average total loans | $168,215,750 | 2,585 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9976% | 2,954 |
| Cost of funding earning assets | 2.3373% | 1,371 |
| Net interest margin | 2.6602% | 3,655 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 2.0994% | 3,320 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.7833% | 2,684 |
| Return on assets (ROA) | 0.7833% | 2,697 |
| Pretax return on assets | 0.9772% | 2,547 |
| Return on Equity (ROE) | 8.8800% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.8064% | 2,786 |
| Net charge-offs to loans | -0.0012% | 3,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.7579% | 2,245 |
| Assets per employee ($millions) | 8.8498% | 1,059 |
| Cash dividends to net income (ytd only)* | 57.1287% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 1,542 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.7800% | 2,474 |
| Net loans and leases to deposits | 78.4420% | 2,339 |
| Net loans and leases to core deposits | 90.2148% | 2,134 |
| Total domestic deposits to total assets | 82.5900% | 2,956 |
| Equity capital to assets | 8.8807% | 2,820 |
| Core capital (leverage) ratio | 13.0339% | 1,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $257,881,333 | 2,655 |
| Average earning assets | $241,557,000 | 2,636 |
| Average equity | $22,751,333 | 2,736 |
| Average total loans | $168,396,333 | 2,579 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 2,958 |
| Cost of funding earning assets | 2.1464% | 1,667 |
| Net interest margin | 2.7667% | 3,430 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.0720% | 3,391 |
| Loan and lease loss provision to assets | -0.0200% | 4,249 |
| Net operating income to assets | 0.7768% | 2,611 |
| Return on assets (ROA) | 0.7768% | 2,624 |
| Pretax return on assets | 0.9749% | 2,455 |
| Return on Equity (ROE) | 8.8300% | 2,437 |
| Retained earnings to average equity (ytd only) | 3.7658% | 2,772 |
| Net charge-offs to loans | -0.0024% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 68.5261% | 2,320 |
| Assets per employee ($millions) | 9.3005% | 924 |
| Cash dividends to net income (ytd only)* | 57.3705% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 1,608 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 64.3600% | 2,430 |
| Net loans and leases to deposits | 77.2754% | 2,309 |
| Net loans and leases to core deposits | 90.8188% | 1,992 |
| Total domestic deposits to total assets | 83.2800% | 2,910 |
| Equity capital to assets | 8.6493% | 2,924 |
| Core capital (leverage) ratio | 12.9984% | 1,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $258,499,500 | 2,657 |
| Average earning assets | $242,456,000 | 2,637 |
| Average equity | $22,731,000 | 2,749 |
| Average total loans | $168,324,000 | 2,575 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 3,096 |
| Cost of funding earning assets | 1.6473% | 1,580 |
| Net interest margin | 2.8541% | 3,566 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.0704% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8996% | 2,548 |
| Return on assets (ROA) | 0.7424% | 3,052 |
| Pretax return on assets | 0.8983% | 2,965 |
| Return on Equity (ROE) | 8.7700% | 2,811 |
| Retained earnings to average equity (ytd only) | 3.3994% | 3,162 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.4833% | 2,416 |
| Assets per employee ($millions) | 9.1638% | 932 |
| Cash dividends to net income (ytd only)* | 61.2202% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,531 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.1100% | 2,449 |
| Net loans and leases to deposits | 75.9170% | 2,457 |
| Net loans and leases to core deposits | 91.8485% | 1,913 |
| Total domestic deposits to total assets | 84.4500% | 2,485 |
| Equity capital to assets | 8.9397% | 2,714 |
| Core capital (leverage) ratio | 13.0991% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $253,913,400 | 2,658 |
| Average earning assets | $236,746,400 | 2,647 |
| Average equity | $21,503,600 | 2,732 |
| Average total loans | $154,737,000 | 2,638 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4040% | 3,093 |
| Cost of funding earning assets | 1.5036% | 1,595 |
| Net interest margin | 2.9004% | 3,544 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.0049% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9022% | 2,668 |
| Return on assets (ROA) | 0.9056% | 2,644 |
| Pretax return on assets | 1.1493% | 2,418 |
| Return on Equity (ROE) | 10.8500% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.3912% | 2,812 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.6470% | 2,541 |
| Assets per employee ($millions) | 8.9237% | 957 |
| Cash dividends to net income (ytd only)* | 50.2907% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,291 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.8400% | 2,767 |
| Net loans and leases to deposits | 70.6056% | 2,801 |
| Net loans and leases to core deposits | 87.8856% | 2,056 |
| Total domestic deposits to total assets | 86.1700% | 2,144 |
| Equity capital to assets | 7.5691% | 3,316 |
| Core capital (leverage) ratio | 12.8822% | 1,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $253,239,500 | 2,670 |
| Average earning assets | $236,050,250 | 2,658 |
| Average equity | $21,145,000 | 2,748 |
| Average total loans | $151,728,000 | 2,667 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2727% | 3,148 |
| Cost of funding earning assets | 1.2793% | 1,767 |
| Net interest margin | 2.9934% | 3,446 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 2.0725% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9396% | 2,616 |
| Return on assets (ROA) | 0.9547% | 2,558 |
| Pretax return on assets | 1.2292% | 2,287 |
| Return on Equity (ROE) | 11.0800% | 2,396 |
| Retained earnings to average equity (ytd only) | 5.7515% | 2,712 |
| Net charge-offs to loans | -0.0470% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.1362% | 2,578 |
| Assets per employee ($millions) | 9.2032% | 852 |
| Cash dividends to net income (ytd only)* | 48.0833% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,138 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 58.9200% | 2,872 |
| Net loans and leases to deposits | 69.1001% | 2,848 |
| Net loans and leases to core deposits | 83.0945% | 2,265 |
| Total domestic deposits to total assets | 85.2700% | 2,470 |
| Equity capital to assets | 8.3957% | 2,951 |
| Core capital (leverage) ratio | 12.9071% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $251,390,000 | 2,686 |
| Average earning assets | $234,512,333 | 2,682 |
| Average equity | $21,664,000 | 2,726 |
| Average total loans | $149,055,333 | 2,682 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0893% | 3,268 |
| Cost of funding earning assets | 0.9766% | 2,127 |
| Net interest margin | 3.1127% | 3,324 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.0915% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8830% | 2,909 |
| Return on assets (ROA) | 0.8830% | 2,865 |
| Pretax return on assets | 1.1296% | 2,631 |
| Return on Equity (ROE) | 10.1100% | 2,753 |
| Retained earnings to average equity (ytd only) | 4.7974% | 3,065 |
| Net charge-offs to loans | -0.0956% | 4,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9325% | 2,338 |
| Assets per employee ($millions) | 8.6596% | 1,070 |
| Cash dividends to net income (ytd only)* | 52.5547% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 1,081 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.4600% | 2,829 |
| Net loans and leases to deposits | 68.0822% | 2,760 |
| Net loans and leases to core deposits | 78.1593% | 2,378 |
| Total domestic deposits to total assets | 85.8600% | 2,633 |
| Equity capital to assets | 8.8771% | 2,609 |
| Core capital (leverage) ratio | 13.2562% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $248,240,000 | 2,738 |
| Average earning assets | $231,824,000 | 2,728 |
| Average equity | $21,678,500 | 2,749 |
| Average total loans | $146,497,500 | 2,736 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6022% | 2,794 |
| Cost of funding earning assets | 0.3493% | 2,480 |
| Net interest margin | 3.2530% | 2,696 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.0183% | 3,537 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2594% | 1,568 |
| Return on assets (ROA) | 1.2617% | 1,509 |
| Pretax return on assets | 1.5880% | 1,193 |
| Return on Equity (ROE) | 12.7200% | 1,900 |
| Retained earnings to average equity (ytd only) | 4.5334% | 3,223 |
| Net charge-offs to loans | -0.0544% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.0115% | 3,583 |
| Assets per employee ($millions) | 9.0871% | 890 |
| Cash dividends to net income (ytd only)* | 64.3535% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5981% | 981 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.7000% | 2,846 |
| Net loans and leases to deposits | 69.0078% | 2,667 |
| Net loans and leases to core deposits | 77.0521% | 2,349 |
| Total domestic deposits to total assets | 83.6100% | 3,292 |
| Equity capital to assets | 8.5852% | 2,646 |
| Core capital (leverage) ratio | 13.4855% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $242,136,000 | 2,771 |
| Average earning assets | $229,913,200 | 2,736 |
| Average equity | $24,021,800 | 2,639 |
| Average total loans | $135,984,600 | 2,768 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 2,429 |
| Cost of funding earning assets | 0.2606% | 2,596 |
| Net interest margin | 3.3062% | 2,275 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 1.9287% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2815% | 1,423 |
| Return on assets (ROA) | 1.2845% | 1,375 |
| Pretax return on assets | 1.6801% | 941 |
| Return on Equity (ROE) | 12.5200% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.9177% | 2,777 |
| Net charge-offs to loans | -0.0060% | 3,532 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.5019% | 3,865 |
| Assets per employee ($millions) | 8.5676% | 1,038 |
| Cash dividends to net income (ytd only)* | 52.7312% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6602% | 945 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.1100% | 2,993 |
| Net loans and leases to deposits | 64.4987% | 2,824 |
| Net loans and leases to core deposits | 71.1177% | 2,559 |
| Total domestic deposits to total assets | 85.4500% | 3,190 |
| Equity capital to assets | 8.3366% | 2,650 |
| Core capital (leverage) ratio | 13.7006% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $241,332,000 | 2,797 |
| Average earning assets | $230,269,750 | 2,758 |
| Average equity | $24,761,250 | 2,635 |
| Average total loans | $134,016,750 | 2,792 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 1,939 |
| Cost of funding earning assets | 0.2121% | 2,752 |
| Net interest margin | 3.3560% | 1,737 |
| Noninterest income to average assets | 0.4822% | 2,298 |
| Noninterest expense to average assets | 1.9279% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3634% | 993 |
| Return on assets (ROA) | 1.3680% | 961 |
| Pretax return on assets | 1.7931% | 612 |
| Return on Equity (ROE) | 12.5547% | 1,508 |
| Retained earnings to average equity (ytd only) | 6.3609% | 2,218 |
| Net charge-offs to loans | -0.0090% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8923% | 4,133 |
| Assets per employee ($millions) | 9.0278% | 876 |
| Cash dividends to net income (ytd only)* | 49.3349% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7100% | 943 |
| Loan loss allowance to noncurrent loans | 14,880.0000% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 3,981 |
| Noncurrent loans to loans | 0.0115% | 3,895 |
| Net loans and leases to total assets | 54.6568% | 2,893 |
| Net loans and leases to deposits | 65.4798% | 2,592 |
| Net loans and leases to core deposits | 68.0403% | 2,651 |
| Total domestic deposits to total assets | 83.4712% | 3,792 |
| Equity capital to assets | 9.5960% | 1,942 |
| Core capital (leverage) ratio | 13.0954% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,811,667 | 2,817 |
| Average earning assets | $232,957,000 | 2,771 |
| Average equity | $26,348,667 | 2,617 |
| Average total loans | $133,874,333 | 2,808 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 2,257 |
| Cost of funding earning assets | 0.2019% | 2,771 |
| Net interest margin | 3.1432% | 2,048 |
| Noninterest income to average assets | 0.3016% | 3,307 |
| Noninterest expense to average assets | 1.8879% | 3,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1224% | 1,466 |
| Return on assets (ROA) | 1.1314% | 1,432 |
| Pretax return on assets | 1.4705% | 1,076 |
| Return on Equity (ROE) | 9.8227% | 2,038 |
| Retained earnings to average equity (ytd only) | 4.0480% | 2,917 |
| Net charge-offs to loans | -0.0177% | 3,850 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4053% | 3,839 |
| Assets per employee ($millions) | 8.3800% | 1,173 |
| Cash dividends to net income (ytd only)* | 58.7896% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 1,134 |
| Loan loss allowance to noncurrent loans | 13,950.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,025 |
| Noncurrent loans to loans | 0.0119% | 3,931 |
| Net loans and leases to total assets | 54.4772% | 2,699 |
| Net loans and leases to deposits | 66.8511% | 2,258 |
| Net loans and leases to core deposits | 69.5271% | 2,332 |
| Total domestic deposits to total assets | 81.4903% | 4,150 |
| Equity capital to assets | 10.7848% | 1,453 |
| Core capital (leverage) ratio | 12.5658% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,356,000 | 2,810 |
| Average earning assets | $237,719,500 | 2,750 |
| Average equity | $28,261,000 | 2,584 |
| Average total loans | $135,549,500 | 2,792 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 2,161 |
| Cost of funding earning assets | 0.2610% | 2,796 |
| Net interest margin | 3.4241% | 1,951 |
| Noninterest income to average assets | 0.5080% | 2,525 |
| Noninterest expense to average assets | 2.0667% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3950% | 1,293 |
| Return on assets (ROA) | 1.5002% | 1,063 |
| Pretax return on assets | 1.9069% | 713 |
| Return on Equity (ROE) | 12.0400% | 1,802 |
| Retained earnings to average equity (ytd only) | 5.0858% | 2,750 |
| Net charge-offs to loans | -0.0582% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8146% | 3,949 |
| Assets per employee ($millions) | 8.8462% | 968 |
| Cash dividends to net income (ytd only)* | 57.7593% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,194 |
| Loan loss allowance to noncurrent loans | 240.1294% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3743% | 1,727 |
| Noncurrent loans to loans | 0.6792% | 1,473 |
| Net loans and leases to total assets | 54.2006% | 2,824 |
| Net loans and leases to deposits | 67.8029% | 2,327 |
| Net loans and leases to core deposits | 70.4264% | 2,407 |
| Total domestic deposits to total assets | 79.9385% | 4,228 |
| Equity capital to assets | 12.2381% | 1,156 |
| Core capital (leverage) ratio | 12.3478% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,962,800 | 2,788 |
| Average earning assets | $234,516,800 | 2,718 |
| Average equity | $30,024,800 | 2,536 |
| Average total loans | $140,970,600 | 2,716 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 1,927 |
| Cost of funding earning assets | 0.2754% | 2,846 |
| Net interest margin | 3.5697% | 1,675 |
| Noninterest income to average assets | 0.4363% | 2,903 |
| Noninterest expense to average assets | 1.9436% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4975% | 1,281 |
| Return on assets (ROA) | 1.5908% | 1,099 |
| Pretax return on assets | 2.0851% | 690 |
| Return on Equity (ROE) | 12.7086% | 1,792 |
| Retained earnings to average equity (ytd only) | 6.2719% | 2,711 |
| Net charge-offs to loans | -0.0235% | 4,032 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7008% | 4,246 |
| Assets per employee ($millions) | 8.5738% | 1,024 |
| Cash dividends to net income (ytd only)* | 50.6480% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5878% | 1,368 |
| Loan loss allowance to noncurrent loans | 176.9168% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 1,492 |
| Noncurrent loans to loans | 0.8975% | 1,284 |
| Net loans and leases to total assets | 55.9998% | 2,725 |
| Net loans and leases to deposits | 71.2763% | 2,124 |
| Net loans and leases to core deposits | 74.1758% | 2,216 |
| Total domestic deposits to total assets | 78.5672% | 4,369 |
| Equity capital to assets | 12.6965% | 1,094 |
| Core capital (leverage) ratio | 12.6585% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,280,250 | 2,820 |
| Average earning assets | $232,878,750 | 2,751 |
| Average equity | $29,952,750 | 2,571 |
| Average total loans | $142,094,000 | 2,745 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 1,230 |
| Cost of funding earning assets | 0.2911% | 2,866 |
| Net interest margin | 3.8811% | 1,007 |
| Noninterest income to average assets | 0.4686% | 2,765 |
| Noninterest expense to average assets | 1.9597% | 3,810 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7338% | 822 |
| Return on assets (ROA) | 1.8693% | 653 |
| Pretax return on assets | 2.4626% | 374 |
| Return on Equity (ROE) | 15.0049% | 1,155 |
| Retained earnings to average equity (ytd only) | 8.5301% | 1,884 |
| Net charge-offs to loans | -0.0361% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1024% | 4,510 |
| Assets per employee ($millions) | 8.1731% | 1,128 |
| Cash dividends to net income (ytd only)* | 43.1513% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5201% | 1,524 |
| Loan loss allowance to noncurrent loans | 175.7699% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 1,596 |
| Noncurrent loans to loans | 0.8648% | 1,422 |
| Net loans and leases to total assets | 59.2870% | 2,509 |
| Net loans and leases to deposits | 75.6174% | 1,856 |
| Net loans and leases to core deposits | 78.9223% | 1,964 |
| Total domestic deposits to total assets | 78.4039% | 4,395 |
| Equity capital to assets | 12.8162% | 1,010 |
| Core capital (leverage) ratio | 12.5084% | 927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,018,000 | 2,816 |
| Average earning assets | $232,925,000 | 2,740 |
| Average equity | $29,777,000 | 2,570 |
| Average total loans | $143,923,333 | 2,744 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 954 |
| Cost of funding earning assets | 0.3063% | 2,923 |
| Net interest margin | 4.0532% | 782 |
| Noninterest income to average assets | 0.4050% | 3,058 |
| Noninterest expense to average assets | 1.9199% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8280% | 745 |
| Return on assets (ROA) | 2.0782% | 547 |
| Pretax return on assets | 2.7498% | 322 |
| Return on Equity (ROE) | 16.9217% | 860 |
| Retained earnings to average equity (ytd only) | 10.3810% | 1,550 |
| Net charge-offs to loans | -0.0028% | 3,203 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1041% | 4,573 |
| Assets per employee ($millions) | 8.4345% | 1,015 |
| Cash dividends to net income (ytd only)* | 38.6528% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 1,599 |
| Loan loss allowance to noncurrent loans | 112.9610% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7760% | 1,169 |
| Noncurrent loans to loans | 1.3299% | 976 |
| Net loans and leases to total assets | 57.4691% | 2,859 |
| Net loans and leases to deposits | 72.6704% | 2,247 |
| Net loans and leases to core deposits | 76.0101% | 2,354 |
| Total domestic deposits to total assets | 79.0819% | 4,320 |
| Equity capital to assets | 12.0363% | 1,262 |
| Core capital (leverage) ratio | 12.4976% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $240,017,000 | 2,797 |
| Average earning assets | $233,791,000 | 2,715 |
| Average equity | $29,477,000 | 2,586 |
| Average total loans | $144,539,500 | 2,743 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 2,385 |
| Cost of funding earning assets | 0.6298% | 2,120 |
| Net interest margin | 3.4839% | 2,519 |
| Noninterest income to average assets | 0.4575% | 2,833 |
| Noninterest expense to average assets | 2.1169% | 3,897 |
| Loan and lease loss provision to assets | 0.1848% | 2,102 |
| Net operating income to assets | 1.2314% | 1,444 |
| Return on assets (ROA) | 1.3146% | 1,308 |
| Pretax return on assets | 1.6420% | 976 |
| Return on Equity (ROE) | 10.5154% | 1,802 |
| Retained earnings to average equity (ytd only) | 5.4890% | 2,048 |
| Net charge-offs to loans | 0.0039% | 3,220 |
| Credit loss provision to net charge-offs | 7,083.3333% | 151 |
| Earnings coverage of net charge-offs (x) | 660.3333% | 173 |
| Efficiency ratio | 55.1302% | 4,081 |
| Assets per employee ($millions) | 7.8478% | 1,097 |
| Cash dividends to net income (ytd only)* | 47.8002% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,715 |
| Loan loss allowance to noncurrent loans | 74.7993% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 706 |
| Noncurrent loans to loans | 1.9574% | 599 |
| Net loans and leases to total assets | 61.2582% | 2,697 |
| Net loans and leases to deposits | 78.2073% | 2,048 |
| Net loans and leases to core deposits | 81.7469% | 2,213 |
| Total domestic deposits to total assets | 78.3280% | 4,283 |
| Equity capital to assets | 12.5356% | 1,299 |
| Core capital (leverage) ratio | 12.0510% | 1,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2923% | 1,192 |
| Memoranda: | ||
| Average total assets | $229,962,800 | 2,715 |
| Average earning assets | $223,254,000 | 2,649 |
| Average equity | $28,748,200 | 2,548 |
| Average total loans | $152,743,800 | 2,639 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 2,176 |
| Cost of funding earning assets | 0.7103% | 1,962 |
| Net interest margin | 3.5643% | 2,382 |
| Noninterest income to average assets | 0.4205% | 2,984 |
| Noninterest expense to average assets | 2.0047% | 4,135 |
| Loan and lease loss provision to assets | 0.2305% | 1,762 |
| Net operating income to assets | 1.2623% | 1,444 |
| Return on assets (ROA) | 1.3724% | 1,268 |
| Pretax return on assets | 1.7842% | 805 |
| Return on Equity (ROE) | 10.9859% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.2368% | 1,604 |
| Net charge-offs to loans | 0.0268% | 2,300 |
| Credit loss provision to net charge-offs | 1,274.1935% | 702 |
| Earnings coverage of net charge-offs (x) | 103.7097% | 770 |
| Efficiency ratio | 51.6687% | 4,368 |
| Assets per employee ($millions) | 7.9411% | 1,021 |
| Cash dividends to net income (ytd only)* | 34.1266% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3419% | 1,992 |
| Loan loss allowance to noncurrent loans | 73.1349% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.1984% | 840 |
| Noncurrent loans to loans | 1.8349% | 714 |
| Net loans and leases to total assets | 64.4365% | 2,714 |
| Net loans and leases to deposits | 81.9764% | 2,102 |
| Net loans and leases to core deposits | 86.8018% | 2,245 |
| Total domestic deposits to total assets | 78.6037% | 4,117 |
| Equity capital to assets | 12.3782% | 1,478 |
| Core capital (leverage) ratio | 12.0797% | 1,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9053% | 1,532 |
| Memoranda: | ||
| Average total assets | $228,595,250 | 2,711 |
| Average earning assets | $221,858,750 | 2,640 |
| Average equity | $28,557,000 | 2,555 |
| Average total loans | $154,338,500 | 2,628 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 1,936 |
| Cost of funding earning assets | 0.8102% | 1,778 |
| Net interest margin | 3.6835% | 2,229 |
| Noninterest income to average assets | 0.4517% | 2,798 |
| Noninterest expense to average assets | 2.0703% | 4,101 |
| Loan and lease loss provision to assets | 0.3106% | 1,388 |
| Net operating income to assets | 1.2592% | 1,464 |
| Return on assets (ROA) | 1.4260% | 1,148 |
| Pretax return on assets | 1.8564% | 729 |
| Return on Equity (ROE) | 11.3785% | 1,521 |
| Retained earnings to average equity (ytd only) | 7.3992% | 1,504 |
| Net charge-offs to loans | 0.0416% | 1,909 |
| Credit loss provision to net charge-offs | 1,093.7500% | 746 |
| Earnings coverage of net charge-offs (x) | 68.8750% | 888 |
| Efficiency ratio | 51.4216% | 4,403 |
| Assets per employee ($millions) | 7.9737% | 978 |
| Cash dividends to net income (ytd only)* | 34.9720% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 2,159 |
| Loan loss allowance to noncurrent loans | 70.3270% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 845 |
| Noncurrent loans to loans | 1.8042% | 780 |
| Net loans and leases to total assets | 68.7484% | 2,223 |
| Net loans and leases to deposits | 87.7144% | 1,585 |
| Net loans and leases to core deposits | 94.1543% | 1,721 |
| Total domestic deposits to total assets | 78.3775% | 4,134 |
| Equity capital to assets | 12.5517% | 1,356 |
| Core capital (leverage) ratio | 12.1108% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9270% | 1,508 |
| Memoranda: | ||
| Average total assets | $225,382,667 | 2,717 |
| Average earning assets | $218,706,000 | 2,642 |
| Average equity | $28,246,333 | 2,572 |
| Average total loans | $153,919,000 | 2,623 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,299 |
| Cost of funding earning assets | 0.9429% | 1,674 |
| Net interest margin | 3.2334% | 3,776 |
| Noninterest income to average assets | 0.3093% | 3,661 |
| Noninterest expense to average assets | 1.9527% | 4,486 |
| Loan and lease loss provision to assets | 0.0899% | 2,560 |
| Net operating income to assets | 1.1095% | 1,817 |
| Return on assets (ROA) | 1.3396% | 1,224 |
| Pretax return on assets | 1.6902% | 867 |
| Return on Equity (ROE) | 10.6973% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.0881% | 1,837 |
| Net charge-offs to loans | 0.0027% | 2,501 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 828.0000% | 68 |
| Efficiency ratio | 56.7398% | 4,136 |
| Assets per employee ($millions) | 6.5698% | 1,310 |
| Cash dividends to net income (ytd only)* | 43.0872% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,772 |
| Loan loss allowance to noncurrent loans | 52.8465% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.5020% | 712 |
| Noncurrent loans to loans | 2.2339% | 587 |
| Net loans and leases to total assets | 66.4421% | 2,763 |
| Net loans and leases to deposits | 81.8000% | 2,477 |
| Net loans and leases to core deposits | 91.5598% | 2,206 |
| Total domestic deposits to total assets | 81.2250% | 3,620 |
| Equity capital to assets | 12.6287% | 1,659 |
| Core capital (leverage) ratio | 12.4472% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3338% | 1,269 |
| Memoranda: | ||
| Average total assets | $222,456,000 | 2,696 |
| Average earning assets | $215,498,500 | 2,612 |
| Average equity | $27,857,500 | 2,589 |
| Average total loans | $150,371,500 | 2,636 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3461% | 3,403 |
| Cost of funding earning assets | 1.0523% | 1,503 |
| Net interest margin | 3.2938% | 4,004 |
| Noninterest income to average assets | 0.3937% | 3,333 |
| Noninterest expense to average assets | 1.9609% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3329% | 1,570 |
| Return on assets (ROA) | 1.3354% | 1,639 |
| Pretax return on assets | 1.6246% | 1,415 |
| Return on Equity (ROE) | 11.5563% | 1,667 |
| Retained earnings to average equity (ytd only) | 5.1744% | 2,321 |
| Net charge-offs to loans | 0.1286% | 1,481 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 18.7222% | 2,041 |
| Efficiency ratio | 54.7375% | 4,351 |
| Assets per employee ($millions) | 6.5159% | 1,275 |
| Cash dividends to net income (ytd only)* | 55.2244% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,722 |
| Loan loss allowance to noncurrent loans | 50.2185% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5496% | 643 |
| Noncurrent loans to loans | 2.2802% | 525 |
| Net loans and leases to total assets | 67.1811% | 2,800 |
| Net loans and leases to deposits | 83.4893% | 2,388 |
| Net loans and leases to core deposits | 95.7402% | 1,923 |
| Total domestic deposits to total assets | 80.4667% | 3,883 |
| Equity capital to assets | 12.4158% | 1,874 |
| Core capital (leverage) ratio | 11.9778% | 1,796 |
| Tier 1 risk-based capital ratio | 16.4037% | 2,257 |
| Total risk-based capital ratio | 17.4515% | 2,278 |
| Memoranda: | ||
| Average total assets | $228,617,000 | 2,587 |
| Average earning assets | $221,326,400 | 2,526 |
| Average equity | $26,418,400 | 2,601 |
| Average total loans | $154,021,600 | 2,577 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 3,526 |
| Cost of funding earning assets | 1.0630% | 1,494 |
| Net interest margin | 3.2821% | 4,120 |
| Noninterest income to average assets | 0.3658% | 3,527 |
| Noninterest expense to average assets | 1.8994% | 4,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3137% | 1,794 |
| Return on assets (ROA) | 1.3160% | 1,869 |
| Pretax return on assets | 1.6465% | 1,481 |
| Return on Equity (ROE) | 11.5959% | 1,760 |
| Retained earnings to average equity (ytd only) | 6.6801% | 2,021 |
| Net charge-offs to loans | -0.0112% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6099% | 4,436 |
| Assets per employee ($millions) | 6.7270% | 1,145 |
| Cash dividends to net income (ytd only)* | 42.3923% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2887% | 2,018 |
| Loan loss allowance to noncurrent loans | 53.1593% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 642 |
| Noncurrent loans to loans | 2.4241% | 491 |
| Net loans and leases to total assets | 64.8056% | 3,204 |
| Net loans and leases to deposits | 80.9421% | 2,807 |
| Net loans and leases to core deposits | 95.7061% | 2,028 |
| Total domestic deposits to total assets | 80.0641% | 3,977 |
| Equity capital to assets | 12.0537% | 2,215 |
| Core capital (leverage) ratio | 11.9254% | 1,904 |
| Tier 1 risk-based capital ratio | 16.0732% | 2,399 |
| Total risk-based capital ratio | 17.2279% | 2,379 |
| Memoranda: | ||
| Average total assets | $230,386,250 | 2,603 |
| Average earning assets | $223,020,500 | 2,535 |
| Average equity | $26,146,500 | 2,630 |
| Average total loans | $154,887,750 | 2,599 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3238% | 3,566 |
| Cost of funding earning assets | 1.0564% | 1,468 |
| Net interest margin | 3.2674% | 4,205 |
| Noninterest income to average assets | 0.4200% | 3,135 |
| Noninterest expense to average assets | 1.8793% | 4,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3647% | 1,530 |
| Return on assets (ROA) | 1.3674% | 1,583 |
| Pretax return on assets | 1.7104% | 1,252 |
| Return on Equity (ROE) | 12.3012% | 1,474 |
| Retained earnings to average equity (ytd only) | 7.2997% | 1,688 |
| Net charge-offs to loans | -0.0166% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4028% | 4,620 |
| Assets per employee ($millions) | 6.7235% | 1,126 |
| Cash dividends to net income (ytd only)* | 40.6586% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,256 |
| Loan loss allowance to noncurrent loans | 54.3539% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 679 |
| Noncurrent loans to loans | 2.2988% | 567 |
| Net loans and leases to total assets | 66.8968% | 2,985 |
| Net loans and leases to deposits | 86.5128% | 2,202 |
| Net loans and leases to core deposits | 102.3594% | 1,521 |
| Total domestic deposits to total assets | 77.3259% | 4,517 |
| Equity capital to assets | 11.8259% | 2,323 |
| Core capital (leverage) ratio | 11.5637% | 2,114 |
| Tier 1 risk-based capital ratio | 15.4665% | 2,635 |
| Total risk-based capital ratio | 16.5933% | 2,615 |
| Memoranda: | ||
| Average total assets | $230,942,330 | 2,609 |
| Average earning assets | $223,783,670 | 2,542 |
| Average equity | $25,672,330 | 2,662 |
| Average total loans | $156,464,670 | 2,588 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 3,664 |
| Cost of funding earning assets | 0.9997% | 1,564 |
| Net interest margin | 3.2643% | 4,243 |
| Noninterest income to average assets | 0.4394% | 2,914 |
| Noninterest expense to average assets | 1.8474% | 4,865 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4010% | 1,374 |
| Return on assets (ROA) | 1.4010% | 1,406 |
| Pretax return on assets | 1.7543% | 1,089 |
| Return on Equity (ROE) | 13.0124% | 1,213 |
| Retained earnings to average equity (ytd only) | 7.8747% | 1,712 |
| Net charge-offs to loans | -0.0382% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2919% | 4,743 |
| Assets per employee ($millions) | 7.2400% | 899 |
| Cash dividends to net income (ytd only)* | 39.4834% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2300% | 2,427 |
| Loan loss allowance to noncurrent loans | 46.6073% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.9527% | 518 |
| Noncurrent loans to loans | 2.6391% | 481 |
| Net loans and leases to total assets | 67.1360% | 2,881 |
| Net loans and leases to deposits | 83.3396% | 2,464 |
| Net loans and leases to core deposits | 102.3667% | 1,430 |
| Total domestic deposits to total assets | 80.5572% | 4,058 |
| Equity capital to assets | 11.1158% | 2,731 |
| Core capital (leverage) ratio | 11.3984% | 2,216 |
| Tier 1 risk-based capital ratio | 14.1521% | 3,270 |
| Total risk-based capital ratio | 15.2018% | 3,280 |
| Memoranda: | ||
| Average total assets | $232,113,500 | 2,626 |
| Average earning assets | $224,856,500 | 2,558 |
| Average equity | $24,991,500 | 2,716 |
| Average total loans | $157,266,500 | 2,604 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2153% | 3,396 |
| Cost of funding earning assets | 0.7672% | 1,701 |
| Net interest margin | 3.4481% | 3,862 |
| Noninterest income to average assets | 0.5915% | 2,342 |
| Noninterest expense to average assets | 2.0214% | 4,715 |
| Loan and lease loss provision to assets | 0.1203% | 1,836 |
| Net operating income to assets | 1.4499% | 1,277 |
| Return on assets (ROA) | 1.4553% | 1,245 |
| Pretax return on assets | 1.7941% | 938 |
| Return on Equity (ROE) | 13.7752% | 1,108 |
| Retained earnings to average equity (ytd only) | 5.9826% | 2,205 |
| Net charge-offs to loans | 0.1299% | 1,454 |
| Credit loss provision to net charge-offs | 140.6250% | 1,923 |
| Earnings coverage of net charge-offs (x) | 22.2917% | 1,908 |
| Efficiency ratio | 51.4464% | 4,844 |
| Assets per employee ($millions) | 7.7516% | 723 |
| Cash dividends to net income (ytd only)* | 56.5697% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2238% | 2,442 |
| Loan loss allowance to noncurrent loans | 50.3273% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.7708% | 587 |
| Noncurrent loans to loans | 2.4316% | 513 |
| Net loans and leases to total assets | 66.7105% | 3,037 |
| Net loans and leases to deposits | 80.9313% | 2,859 |
| Net loans and leases to core deposits | 96.3817% | 2,027 |
| Total domestic deposits to total assets | 82.4286% | 3,513 |
| Equity capital to assets | 10.4194% | 3,264 |
| Core capital (leverage) ratio | 11.5515% | 2,061 |
| Tier 1 risk-based capital ratio | 14.2656% | 3,176 |
| Total risk-based capital ratio | 15.3357% | 3,184 |
| Memoranda: | ||
| Average total assets | $224,345,800 | 2,660 |
| Average earning assets | $217,160,000 | 2,584 |
| Average equity | $23,702,000 | 2,755 |
| Average total loans | $147,794,600 | 2,671 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,294 |
| Cost of funding earning assets | 0.7281% | 1,698 |
| Net interest margin | 3.4797% | 3,765 |
| Noninterest income to average assets | 0.3785% | 3,611 |
| Noninterest expense to average assets | 1.8839% | 4,928 |
| Loan and lease loss provision to assets | 0.1320% | 1,527 |
| Net operating income to assets | 1.3945% | 1,510 |
| Return on assets (ROA) | 1.3945% | 1,508 |
| Pretax return on assets | 1.7334% | 1,195 |
| Return on Equity (ROE) | 13.1520% | 1,369 |
| Retained earnings to average equity (ytd only) | 7.6989% | 1,794 |
| Net charge-offs to loans | 0.0431% | 2,235 |
| Credit loss provision to net charge-offs | 468.0851% | 740 |
| Earnings coverage of net charge-offs (x) | 66.1650% | 991 |
| Efficiency ratio | 50.2480% | 4,929 |
| Assets per employee ($millions) | 7.5323% | 760 |
| Cash dividends to net income (ytd only)* | 41.4624% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3475% | 1,895 |
| Loan loss allowance to noncurrent loans | 49.3758% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 563 |
| Noncurrent loans to loans | 2.7290% | 443 |
| Net loans and leases to total assets | 65.3501% | 3,267 |
| Net loans and leases to deposits | 78.9887% | 3,142 |
| Net loans and leases to core deposits | 92.6586% | 2,421 |
| Total domestic deposits to total assets | 82.7335% | 3,391 |
| Equity capital to assets | 10.3806% | 3,252 |
| Core capital (leverage) ratio | 11.4614% | 2,203 |
| Tier 1 risk-based capital ratio | 13.8580% | 3,440 |
| Total risk-based capital ratio | 14.9552% | 3,428 |
| Memoranda: | ||
| Average total assets | $222,295,250 | 2,694 |
| Average earning assets | $215,336,000 | 2,607 |
| Average equity | $23,570,000 | 2,777 |
| Average total loans | $145,479,250 | 2,715 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 3,181 |
| Cost of funding earning assets | 0.6771% | 1,760 |
| Net interest margin | 3.4994% | 3,629 |
| Noninterest income to average assets | 0.3935% | 3,533 |
| Noninterest expense to average assets | 1.8754% | 4,994 |
| Loan and lease loss provision to assets | 0.1176% | 1,682 |
| Net operating income to assets | 1.4385% | 1,315 |
| Return on assets (ROA) | 1.4385% | 1,316 |
| Pretax return on assets | 1.7904% | 985 |
| Return on Equity (ROE) | 13.4702% | 1,216 |
| Retained earnings to average equity (ytd only) | 8.0313% | 1,619 |
| Net charge-offs to loans | 0.0486% | 1,915 |
| Credit loss provision to net charge-offs | 371.4286% | 865 |
| Earnings coverage of net charge-offs (x) | 60.2571% | 997 |
| Efficiency ratio | 49.5696% | 5,045 |
| Assets per employee ($millions) | 7.4969% | 764 |
| Cash dividends to net income (ytd only)* | 40.3774% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,197 |
| Loan loss allowance to noncurrent loans | 206.2766% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.4180% | 3,051 |
| Noncurrent loans to loans | 0.6274% | 2,542 |
| Net loans and leases to total assets | 65.7515% | 3,182 |
| Net loans and leases to deposits | 81.4944% | 2,817 |
| Net loans and leases to core deposits | 94.0748% | 2,213 |
| Total domestic deposits to total assets | 80.6822% | 4,082 |
| Equity capital to assets | 10.5453% | 3,074 |
| Core capital (leverage) ratio | 11.4291% | 2,133 |
| Tier 1 risk-based capital ratio | 14.9474% | 2,899 |
| Total risk-based capital ratio | 16.1074% | 2,869 |
| Memoranda: | ||
| Average total assets | $221,070,670 | 2,722 |
| Average earning assets | $214,153,000 | 2,634 |
| Average equity | $23,607,670 | 2,784 |
| Average total loans | $144,076,330 | 2,746 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1111% | 3,199 |
| Cost of funding earning assets | 0.6226% | 1,899 |
| Net interest margin | 3.4885% | 3,571 |
| Noninterest income to average assets | 0.3979% | 3,488 |
| Noninterest expense to average assets | 1.9329% | 4,966 |
| Loan and lease loss provision to assets | 0.1004% | 1,849 |
| Net operating income to assets | 1.4036% | 1,330 |
| Return on assets (ROA) | 1.4036% | 1,336 |
| Pretax return on assets | 1.7394% | 1,025 |
| Return on Equity (ROE) | 13.0599% | 1,244 |
| Retained earnings to average equity (ytd only) | 7.6084% | 1,986 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2337% | 5,012 |
| Assets per employee ($millions) | 7.6154% | 733 |
| Cash dividends to net income (ytd only)* | 41.7425% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 2,166 |
| Loan loss allowance to noncurrent loans | 200.3165% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 3,124 |
| Noncurrent loans to loans | 0.6576% | 2,576 |
| Net loans and leases to total assets | 64.4155% | 3,256 |
| Net loans and leases to deposits | 78.1935% | 2,999 |
| Net loans and leases to core deposits | 89.9104% | 2,455 |
| Total domestic deposits to total assets | 82.3796% | 3,850 |
| Equity capital to assets | 10.5838% | 2,991 |
| Core capital (leverage) ratio | 11.2982% | 2,168 |
| Tier 1 risk-based capital ratio | 13.9673% | 3,396 |
| Total risk-based capital ratio | 15.0495% | 3,405 |
| Memoranda: | ||
| Average total assets | $219,153,000 | 2,763 |
| Average earning assets | $212,013,500 | 2,671 |
| Average equity | $23,553,000 | 2,816 |
| Average total loans | $141,205,500 | 2,799 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0057% | 3,387 |
| Cost of funding earning assets | 0.5147% | 2,212 |
| Net interest margin | 3.4910% | 3,560 |
| Noninterest income to average assets | 0.4940% | 3,036 |
| Noninterest expense to average assets | 1.8885% | 5,130 |
| Loan and lease loss provision to assets | 0.3729% | 404 |
| Net operating income to assets | 1.1909% | 1,548 |
| Return on assets (ROA) | 1.2749% | 1,310 |
| Pretax return on assets | 1.7217% | 957 |
| Return on Equity (ROE) | 11.5664% | 1,325 |
| Retained earnings to average equity (ytd only) | 4.0745% | 2,733 |
| Net charge-offs to loans | 0.3002% | 868 |
| Credit loss provision to net charge-offs | 199.0025% | 1,373 |
| Earnings coverage of net charge-offs (x) | 10.5711% | 2,660 |
| Efficiency ratio | 48.8043% | 5,272 |
| Assets per employee ($millions) | 7.4986% | 770 |
| Cash dividends to net income (ytd only)* | 64.7727% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,057 |
| Loan loss allowance to noncurrent loans | 193.0890% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4392% | 3,117 |
| Noncurrent loans to loans | 0.6908% | 2,489 |
| Net loans and leases to total assets | 62.7283% | 3,519 |
| Net loans and leases to deposits | 79.3062% | 2,994 |
| Net loans and leases to core deposits | 90.8364% | 2,480 |
| Total domestic deposits to total assets | 79.0964% | 4,526 |
| Equity capital to assets | 10.9133% | 2,718 |
| Core capital (leverage) ratio | 11.2245% | 2,143 |
| Tier 1 risk-based capital ratio | 15.7074% | 2,548 |
| Total risk-based capital ratio | 16.9099% | 2,502 |
| Memoranda: | ||
| Average total assets | $213,977,400 | 2,778 |
| Average earning assets | $206,904,800 | 2,700 |
| Average equity | $23,585,600 | 2,799 |
| Average total loans | $133,593,400 | 2,864 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9852% | 3,402 |
| Cost of funding earning assets | 0.5019% | 2,245 |
| Net interest margin | 3.4833% | 3,557 |
| Noninterest income to average assets | 0.3942% | 3,728 |
| Noninterest expense to average assets | 1.8882% | 5,150 |
| Loan and lease loss provision to assets | 0.4517% | 286 |
| Net operating income to assets | 1.0585% | 2,290 |
| Return on assets (ROA) | 1.1687% | 1,851 |
| Pretax return on assets | 1.5729% | 1,505 |
| Return on Equity (ROE) | 10.5762% | 1,869 |
| Retained earnings to average equity (ytd only) | 6.4828% | 1,970 |
| Net charge-offs to loans | 0.0010% | 3,756 |
| Credit loss provision to net charge-offs | 72,200.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 3,005.4361% | 18 |
| Efficiency ratio | 50.1662% | 5,240 |
| Assets per employee ($millions) | 7.4226% | 786 |
| Cash dividends to net income (ytd only)* | 38.7047% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6096% | 1,215 |
| Loan loss allowance to noncurrent loans | 158.2482% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,600 |
| Noncurrent loans to loans | 1.0172% | 1,909 |
| Net loans and leases to total assets | 61.5647% | 3,708 |
| Net loans and leases to deposits | 76.3673% | 3,337 |
| Net loans and leases to core deposits | 87.7634% | 2,797 |
| Total domestic deposits to total assets | 80.6165% | 4,167 |
| Equity capital to assets | 11.3270% | 2,551 |
| Core capital (leverage) ratio | 11.5630% | 1,978 |
| Tier 1 risk-based capital ratio | 16.1361% | 2,445 |
| Total risk-based capital ratio | 17.3880% | 2,387 |
| Memoranda: | ||
| Average total assets | $213,106,750 | 2,810 |
| Average earning assets | $206,159,000 | 2,727 |
| Average equity | $23,549,000 | 2,825 |
| Average total loans | $132,428,500 | 2,903 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 3,381 |
| Cost of funding earning assets | 0.4885% | 2,266 |
| Net interest margin | 3.4591% | 3,548 |
| Noninterest income to average assets | 0.4124% | 3,610 |
| Noninterest expense to average assets | 1.9332% | 5,114 |
| Loan and lease loss provision to assets | 0.6102% | 182 |
| Net operating income to assets | 0.9321% | 2,753 |
| Return on assets (ROA) | 1.0387% | 2,297 |
| Pretax return on assets | 1.3551% | 2,187 |
| Return on Equity (ROE) | 9.4795% | 2,282 |
| Retained earnings to average equity (ytd only) | 5.3456% | 2,501 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4150% | 5,211 |
| Assets per employee ($millions) | 6.3731% | 1,218 |
| Cash dividends to net income (ytd only)* | 43.6083% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,440 |
| Loan loss allowance to noncurrent loans | 222.3992% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 3,322 |
| Noncurrent loans to loans | 0.6917% | 2,686 |
| Net loans and leases to total assets | 63.7615% | 3,422 |
| Net loans and leases to deposits | 78.1275% | 3,106 |
| Net loans and leases to core deposits | 90.7355% | 2,458 |
| Total domestic deposits to total assets | 81.6121% | 4,012 |
| Equity capital to assets | 11.4563% | 2,358 |
| Core capital (leverage) ratio | 11.2649% | 2,161 |
| Tier 1 risk-based capital ratio | 14.5481% | 3,139 |
| Total risk-based capital ratio | 15.7984% | 3,058 |
| Memoranda: | ||
| Average total assets | $212,390,670 | 2,832 |
| Average earning assets | $205,546,000 | 2,749 |
| Average equity | $23,271,330 | 2,851 |
| Average total loans | $131,675,000 | 2,918 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 3,730 |
| Cost of funding earning assets | 0.4555% | 2,476 |
| Net interest margin | 3.3553% | 3,823 |
| Noninterest income to average assets | 0.3711% | 3,881 |
| Noninterest expense to average assets | 1.9135% | 5,217 |
| Loan and lease loss provision to assets | 0.3992% | 283 |
| Net operating income to assets | 1.0083% | 2,271 |
| Return on assets (ROA) | 1.0083% | 2,321 |
| Pretax return on assets | 1.3025% | 2,226 |
| Return on Equity (ROE) | 9.4138% | 2,220 |
| Retained earnings to average equity (ytd only) | 5.1969% | 2,789 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9290% | 5,211 |
| Assets per employee ($millions) | 6.4988% | 1,188 |
| Cash dividends to net income (ytd only)* | 44.7955% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,667 |
| Loan loss allowance to noncurrent loans | 255.3846% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 3,977 |
| Noncurrent loans to loans | 0.4986% | 3,308 |
| Net loans and leases to total assets | 60.0107% | 3,786 |
| Net loans and leases to deposits | 72.7549% | 3,539 |
| Net loans and leases to core deposits | 84.0868% | 2,889 |
| Total domestic deposits to total assets | 82.4834% | 4,024 |
| Equity capital to assets | 10.8095% | 2,848 |
| Core capital (leverage) ratio | 11.4168% | 2,010 |
| Tier 1 risk-based capital ratio | 15.9708% | 2,556 |
| Total risk-based capital ratio | 17.0970% | 2,555 |
| Memoranda: | ||
| Average total assets | $213,430,000 | 2,843 |
| Average earning assets | $206,363,000 | 2,761 |
| Average equity | $22,860,000 | 2,909 |
| Average total loans | $129,416,000 | 2,969 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 3,523 |
| Cost of funding earning assets | 0.4222% | 2,788 |
| Net interest margin | 3.4922% | 3,463 |
| Noninterest income to average assets | 0.4661% | 3,440 |
| Noninterest expense to average assets | 1.8599% | 5,414 |
| Loan and lease loss provision to assets | 0.2934% | 650 |
| Net operating income to assets | 1.2083% | 1,478 |
| Return on assets (ROA) | 1.4054% | 1,019 |
| Pretax return on assets | 1.9643% | 547 |
| Return on Equity (ROE) | 12.1071% | 1,206 |
| Retained earnings to average equity (ytd only) | 2.1256% | 4,324 |
| Net charge-offs to loans | 0.2340% | 1,187 |
| Credit loss provision to net charge-offs | 214.0351% | 1,330 |
| Earnings coverage of net charge-offs (x) | 14.4737% | 2,284 |
| Efficiency ratio | 48.3859% | 5,558 |
| Assets per employee ($millions) | 6.8516% | 983 |
| Cash dividends to net income (ytd only)* | 82.4435% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,561 |
| Loan loss allowance to noncurrent loans | 153.4464% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 3,488 |
| Noncurrent loans to loans | 0.7340% | 2,692 |
| Net loans and leases to total assets | 59.8051% | 3,877 |
| Net loans and leases to deposits | 71.9470% | 3,715 |
| Net loans and leases to core deposits | 81.3878% | 3,271 |
| Total domestic deposits to total assets | 83.1238% | 3,731 |
| Equity capital to assets | 10.6111% | 3,028 |
| Core capital (leverage) ratio | 11.1166% | 2,240 |
| Tier 1 risk-based capital ratio | 14.3857% | 3,244 |
| Total risk-based capital ratio | 15.2813% | 3,359 |
| Memoranda: | ||
| Average total assets | $207,914,000 | 2,880 |
| Average earning assets | $201,103,200 | 2,775 |
| Average equity | $24,134,600 | 2,788 |
| Average total loans | $121,794,400 | 3,040 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 3,356 |
| Cost of funding earning assets | 0.4173% | 2,865 |
| Net interest margin | 3.5474% | 3,285 |
| Noninterest income to average assets | 0.4075% | 3,868 |
| Noninterest expense to average assets | 1.9085% | 5,365 |
| Loan and lease loss provision to assets | 0.1999% | 1,057 |
| Net operating income to assets | 1.2468% | 1,466 |
| Return on assets (ROA) | 1.4900% | 942 |
| Pretax return on assets | 2.0677% | 495 |
| Return on Equity (ROE) | 12.5593% | 1,157 |
| Retained earnings to average equity (ytd only) | 6.0160% | 2,178 |
| Net charge-offs to loans | 0.0044% | 3,763 |
| Credit loss provision to net charge-offs | 7,750.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 748.6998% | 122 |
| Efficiency ratio | 49.7228% | 5,524 |
| Assets per employee ($millions) | 6.7375% | 984 |
| Cash dividends to net income (ytd only)* | 52.0985% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 56.7327% | 4,226 |
| Net loans and leases to deposits | 69.1841% | 4,047 |
| Net loans and leases to core deposits | 80.0034% | 3,444 |
| Total domestic deposits to total assets | 82.0025% | 3,934 |
| Equity capital to assets | 12.0936% | 2,045 |
| Core capital (leverage) ratio | 11.6735% | 1,909 |
| Tier 1 risk-based capital ratio | 16.4479% | 2,436 |
| Total risk-based capital ratio | 17.4333% | 2,500 |
| Memoranda: | ||
| Average total assets | $206,792,500 | 2,902 |
| Average earning assets | $199,992,250 | 2,804 |
| Average equity | $24,533,750 | 2,779 |
| Average total loans | $120,124,750 | 3,075 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0276% | 3,151 |
| Cost of funding earning assets | 0.4131% | 2,909 |
| Net interest margin | 3.6145% | 3,038 |
| Noninterest income to average assets | 0.3620% | 4,172 |
| Noninterest expense to average assets | 1.8622% | 5,517 |
| Loan and lease loss provision to assets | 0.3008% | 599 |
| Net operating income to assets | 1.2071% | 1,573 |
| Return on assets (ROA) | 1.5614% | 830 |
| Pretax return on assets | 2.1805% | 392 |
| Return on Equity (ROE) | 13.2472% | 969 |
| Retained earnings to average equity (ytd only) | 6.6359% | 1,788 |
| Net charge-offs to loans | 0.0067% | 3,457 |
| Credit loss provision to net charge-offs | 7,750.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 512.5000% | 132 |
| Efficiency ratio | 48.3497% | 5,651 |
| Assets per employee ($millions) | 6.5709% | 1,052 |
| Cash dividends to net income (ytd only)* | 49.9068% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 5,335 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.0369% | 4,008 |
| Net loans and leases to deposits | 75.4876% | 3,439 |
| Net loans and leases to core deposits | 84.3636% | 3,049 |
| Total domestic deposits to total assets | 78.2074% | 4,956 |
| Equity capital to assets | 12.3182% | 1,893 |
| Core capital (leverage) ratio | 11.4930% | 1,999 |
| Tier 1 risk-based capital ratio | 16.1742% | 2,563 |
| Total risk-based capital ratio | 17.1555% | 2,628 |
| Memoranda: | ||
| Average total assets | $206,102,670 | 2,918 |
| Average earning assets | $198,974,670 | 2,826 |
| Average equity | $24,292,000 | 2,808 |
| Average total loans | $120,192,670 | 3,077 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,368 |
| Cost of funding earning assets | 0.4118% | 2,932 |
| Net interest margin | 3.5466% | 3,298 |
| Noninterest income to average assets | 0.3454% | 4,260 |
| Noninterest expense to average assets | 1.8273% | 5,618 |
| Loan and lease loss provision to assets | 0.5982% | 182 |
| Net operating income to assets | 0.9595% | 2,462 |
| Return on assets (ROA) | 1.5861% | 758 |
| Pretax return on assets | 2.2132% | 370 |
| Return on Equity (ROE) | 13.7619% | 886 |
| Retained earnings to average equity (ytd only) | 7.0316% | 1,872 |
| Net charge-offs to loans | -0.0301% | 5,068 |
| Credit loss provision to net charge-offs | -3,444.4444% | 4,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4895% | 5,703 |
| Assets per employee ($millions) | 6.7196% | 1,003 |
| Cash dividends to net income (ytd only)* | 48.9051% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 3,386 |
| Loan loss allowance to noncurrent loans | 113.8231% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 3,074 |
| Noncurrent loans to loans | 1.0688% | 2,255 |
| Net loans and leases to total assets | 56.1700% | 4,238 |
| Net loans and leases to deposits | 66.6602% | 4,189 |
| Net loans and leases to core deposits | 81.3643% | 3,192 |
| Total domestic deposits to total assets | 84.2631% | 3,418 |
| Equity capital to assets | 11.6218% | 2,318 |
| Core capital (leverage) ratio | 11.2996% | 2,138 |
| Tier 1 risk-based capital ratio | 15.4792% | 2,930 |
| Total risk-based capital ratio | 16.4427% | 3,003 |
| Memoranda: | ||
| Average total assets | $207,305,000 | 2,920 |
| Average earning assets | $200,078,500 | 2,818 |
| Average equity | $23,892,000 | 2,846 |
| Average total loans | $119,446,500 | 3,094 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,353 |
| Cost of funding earning assets | 0.4364% | 2,769 |
| Net interest margin | 3.5527% | 3,315 |
| Noninterest income to average assets | 0.4793% | 3,467 |
| Noninterest expense to average assets | 1.7770% | 5,766 |
| Loan and lease loss provision to assets | 0.0174% | 4,058 |
| Net operating income to assets | 1.5796% | 744 |
| Return on assets (ROA) | 1.5759% | 765 |
| Pretax return on assets | 2.1043% | 428 |
| Return on Equity (ROE) | 13.5235% | 947 |
| Retained earnings to average equity (ytd only) | 3.2605% | 3,732 |
| Net charge-offs to loans | 0.0510% | 3,180 |
| Credit loss provision to net charge-offs | 59.3220% | 3,275 |
| Earnings coverage of net charge-offs (x) | 72.5763% | 746 |
| Efficiency ratio | 45.5216% | 5,942 |
| Assets per employee ($millions) | 6.6549% | 1,023 |
| Cash dividends to net income (ytd only)* | 75.8903% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,961 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0873% | 5,276 |
| Noncurrent loans to loans | 0.0548% | 5,298 |
| Net loans and leases to total assets | 57.8392% | 4,108 |
| Net loans and leases to deposits | 68.8651% | 4,041 |
| Net loans and leases to core deposits | 84.8261% | 2,904 |
| Total domestic deposits to total assets | 83.9891% | 3,484 |
| Equity capital to assets | 11.4274% | 2,417 |
| Core capital (leverage) ratio | 11.1618% | 2,253 |
| Tier 1 risk-based capital ratio | 15.3402% | 3,019 |
| Total risk-based capital ratio | 16.0976% | 3,185 |
| Memoranda: | ||
| Average total assets | $201,351,000 | 2,938 |
| Average earning assets | $194,075,600 | 2,842 |
| Average equity | $23,462,800 | 2,838 |
| Average total loans | $115,606,800 | 3,113 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,398 |
| Cost of funding earning assets | 0.4366% | 2,833 |
| Net interest margin | 3.5478% | 3,349 |
| Noninterest income to average assets | 0.4904% | 3,435 |
| Noninterest expense to average assets | 1.6624% | 5,932 |
| Loan and lease loss provision to assets | 0.0167% | 3,941 |
| Net operating income to assets | 1.6206% | 738 |
| Return on assets (ROA) | 1.6157% | 772 |
| Pretax return on assets | 2.2267% | 388 |
| Return on Equity (ROE) | 13.7968% | 942 |
| Retained earnings to average equity (ytd only) | 6.9468% | 1,716 |
| Net charge-offs to loans | -0.0058% | 4,853 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4898% | 6,074 |
| Assets per employee ($millions) | 6.5389% | 1,054 |
| Cash dividends to net income (ytd only)* | 49.6494% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0247% | 4,619 |
| Loan loss allowance to noncurrent loans | 828.1690% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 5,247 |
| Noncurrent loans to loans | 0.1237% | 5,134 |
| Net loans and leases to total assets | 56.0381% | 4,351 |
| Net loans and leases to deposits | 66.4918% | 4,336 |
| Net loans and leases to core deposits | 82.6713% | 3,177 |
| Total domestic deposits to total assets | 84.2781% | 3,312 |
| Equity capital to assets | 11.8690% | 2,199 |
| Core capital (leverage) ratio | 11.6013% | 1,957 |
| Tier 1 risk-based capital ratio | 15.9979% | 2,796 |
| Total risk-based capital ratio | 16.8095% | 2,947 |
| Memoranda: | ||
| Average total assets | $200,113,000 | 2,968 |
| Average earning assets | $193,016,750 | 2,885 |
| Average equity | $23,434,750 | 2,867 |
| Average total loans | $114,397,000 | 3,159 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9663% | 3,421 |
| Cost of funding earning assets | 0.4341% | 2,905 |
| Net interest margin | 3.5322% | 3,368 |
| Noninterest income to average assets | 0.4356% | 3,810 |
| Noninterest expense to average assets | 1.6653% | 6,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5853% | 771 |
| Return on assets (ROA) | 1.5779% | 812 |
| Pretax return on assets | 2.1661% | 442 |
| Return on Equity (ROE) | 13.5362% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.6303% | 1,885 |
| Net charge-offs to loans | -0.0315% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3499% | 6,137 |
| Assets per employee ($millions) | 6.4592% | 1,073 |
| Cash dividends to net income (ytd only)* | 51.0178% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0212% | 4,760 |
| Loan loss allowance to noncurrent loans | 849.6350% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1254% | 5,362 |
| Noncurrent loans to loans | 0.1202% | 5,280 |
| Net loans and leases to total assets | 56.3416% | 4,306 |
| Net loans and leases to deposits | 67.4408% | 4,188 |
| Net loans and leases to core deposits | 83.0542% | 3,075 |
| Total domestic deposits to total assets | 83.5423% | 3,746 |
| Equity capital to assets | 11.5260% | 2,392 |
| Core capital (leverage) ratio | 11.3363% | 2,130 |
| Tier 1 risk-based capital ratio | 15.6501% | 3,024 |
| Total risk-based capital ratio | 16.4516% | 3,185 |
| Memoranda: | ||
| Average total assets | $199,249,000 | 3,002 |
| Average earning assets | $192,118,000 | 2,916 |
| Average equity | $23,226,670 | 2,894 |
| Average total loans | $114,273,330 | 3,176 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 3,554 |
| Cost of funding earning assets | 0.4315% | 2,963 |
| Net interest margin | 3.4793% | 3,513 |
| Noninterest income to average assets | 0.4488% | 3,641 |
| Noninterest expense to average assets | 1.7227% | 5,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5222% | 813 |
| Return on assets (ROA) | 1.5295% | 846 |
| Pretax return on assets | 2.0950% | 486 |
| Return on Equity (ROE) | 13.0469% | 1,079 |
| Retained earnings to average equity (ytd only) | 6.1630% | 2,394 |
| Net charge-offs to loans | -0.0315% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2431% | 6,136 |
| Assets per employee ($millions) | 6.5077% | 1,071 |
| Cash dividends to net income (ytd only)* | 52.7632% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 4,734 |
| Loan loss allowance to noncurrent loans | 28,875.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0585% | 5,703 |
| Noncurrent loans to loans | 0.0037% | 5,806 |
| Net loans and leases to total assets | 53.7414% | 4,478 |
| Net loans and leases to deposits | 62.7100% | 4,508 |
| Net loans and leases to core deposits | 76.3905% | 3,548 |
| Total domestic deposits to total assets | 85.6984% | 3,099 |
| Equity capital to assets | 11.7830% | 2,211 |
| Core capital (leverage) ratio | 11.2269% | 2,210 |
| Tier 1 risk-based capital ratio | 16.6256% | 2,627 |
| Total risk-based capital ratio | 17.4860% | 2,755 |
| Memoranda: | ||
| Average total assets | $198,756,500 | 3,026 |
| Average earning assets | $191,879,000 | 2,928 |
| Average equity | $23,300,500 | 2,901 |
| Average total loans | $114,420,500 | 3,188 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 3,007 |
| Cost of funding earning assets | 0.4602% | 3,070 |
| Net interest margin | 3.7218% | 2,918 |
| Noninterest income to average assets | 0.5037% | 3,475 |
| Noninterest expense to average assets | 1.7568% | 6,108 |
| Loan and lease loss provision to assets | 0.0736% | 3,010 |
| Net operating income to assets | 1.7521% | 521 |
| Return on assets (ROA) | 1.6832% | 621 |
| Pretax return on assets | 2.1570% | 352 |
| Return on Equity (ROE) | 14.9006% | 794 |
| Retained earnings to average equity (ytd only) | 3.6914% | 3,590 |
| Net charge-offs to loans | -0.0266% | 5,761 |
| Credit loss provision to net charge-offs | -482.7586% | 5,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1041% | 6,345 |
| Assets per employee ($millions) | 6.3153% | 1,175 |
| Cash dividends to net income (ytd only)* | 75.2265% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 5,241 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 5,532 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 60.3362% | 3,744 |
| Net loans and leases to deposits | 71.8888% | 3,693 |
| Net loans and leases to core deposits | 87.9061% | 2,509 |
| Total domestic deposits to total assets | 83.9299% | 3,746 |
| Equity capital to assets | 11.6615% | 2,292 |
| Core capital (leverage) ratio | 11.4025% | 2,056 |
| Tier 1 risk-based capital ratio | 15.5225% | 3,220 |
| Total risk-based capital ratio | 16.3326% | 3,392 |
| Memoranda: | ||
| Average total assets | $190,174,000 | 3,099 |
| Average earning assets | $182,519,200 | 3,007 |
| Average equity | $21,482,400 | 3,003 |
| Average total loans | $108,923,400 | 3,245 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1934% | 3,013 |
| Cost of funding earning assets | 0.4680% | 3,069 |
| Net interest margin | 3.7255% | 2,924 |
| Noninterest income to average assets | 0.4344% | 3,990 |
| Noninterest expense to average assets | 1.7679% | 6,133 |
| Loan and lease loss provision to assets | 0.0918% | 2,519 |
| Net operating income to assets | 1.6139% | 726 |
| Return on assets (ROA) | 1.6139% | 755 |
| Pretax return on assets | 2.1450% | 410 |
| Return on Equity (ROE) | 14.4077% | 912 |
| Retained earnings to average equity (ytd only) | 6.8161% | 1,917 |
| Net charge-offs to loans | -0.0376% | 5,813 |
| Credit loss provision to net charge-offs | -433.3333% | 5,718 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1446% | 6,363 |
| Assets per employee ($millions) | 6.1825% | 1,215 |
| Cash dividends to net income (ytd only)* | 52.6914% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 5,067 |
| Loan loss allowance to noncurrent loans | 3,920.6897% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 5,801 |
| Noncurrent loans to loans | 0.0263% | 5,919 |
| Net loans and leases to total assets | 56.9022% | 4,211 |
| Net loans and leases to deposits | 67.8181% | 4,149 |
| Net loans and leases to core deposits | 79.4957% | 3,371 |
| Total domestic deposits to total assets | 83.9041% | 3,799 |
| Equity capital to assets | 11.7512% | 2,262 |
| Core capital (leverage) ratio | 11.7737% | 1,852 |
| Tier 1 risk-based capital ratio | 16.7663% | 2,701 |
| Total risk-based capital ratio | 17.6232% | 2,823 |
| Memoranda: | ||
| Average total assets | $188,774,250 | 3,141 |
| Average earning assets | $180,912,750 | 3,045 |
| Average equity | $21,145,500 | 3,046 |
| Average total loans | $106,337,250 | 3,320 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,014 |
| Cost of funding earning assets | 0.4803% | 3,023 |
| Net interest margin | 3.7034% | 2,951 |
| Noninterest income to average assets | 0.4110% | 4,164 |
| Noninterest expense to average assets | 1.7464% | 6,218 |
| Loan and lease loss provision to assets | 0.0639% | 2,993 |
| Net operating income to assets | 1.6293% | 663 |
| Return on assets (ROA) | 1.6293% | 691 |
| Pretax return on assets | 2.1479% | 407 |
| Return on Equity (ROE) | 14.7921% | 824 |
| Retained earnings to average equity (ytd only) | 7.0383% | 1,750 |
| Net charge-offs to loans | -0.0305% | 5,694 |
| Credit loss provision to net charge-offs | -375.0000% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1216% | 6,413 |
| Assets per employee ($millions) | 6.0702% | 1,239 |
| Cash dividends to net income (ytd only)* | 52.4183% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 5,435 |
| Loan loss allowance to noncurrent loans | 3,631.0345% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 5,830 |
| Noncurrent loans to loans | 0.0270% | 5,986 |
| Net loans and leases to total assets | 56.5922% | 4,178 |
| Net loans and leases to deposits | 68.3756% | 4,014 |
| Net loans and leases to core deposits | 85.0733% | 2,603 |
| Total domestic deposits to total assets | 82.7667% | 4,392 |
| Equity capital to assets | 11.6078% | 2,319 |
| Core capital (leverage) ratio | 11.7475% | 1,824 |
| Tier 1 risk-based capital ratio | 16.8149% | 2,703 |
| Total risk-based capital ratio | 17.6237% | 2,846 |
| Memoranda: | ||
| Average total assets | $187,813,330 | 3,171 |
| Average earning assets | $179,890,000 | 3,082 |
| Average equity | $20,686,670 | 3,098 |
| Average total loans | $105,051,670 | 3,356 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,055 |
| Cost of funding earning assets | 0.4976% | 2,930 |
| Net interest margin | 3.6572% | 3,034 |
| Noninterest income to average assets | 0.4349% | 3,907 |
| Noninterest expense to average assets | 1.8227% | 6,187 |
| Loan and lease loss provision to assets | 0.0640% | 2,843 |
| Net operating income to assets | 1.5967% | 672 |
| Return on assets (ROA) | 1.5967% | 699 |
| Pretax return on assets | 2.0423% | 488 |
| Return on Equity (ROE) | 14.8992% | 793 |
| Retained earnings to average equity (ytd only) | 6.9224% | 2,082 |
| Net charge-offs to loans | -0.0077% | 4,946 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3918% | 6,411 |
| Assets per employee ($millions) | 6.0438% | 1,275 |
| Cash dividends to net income (ytd only)* | 53.5381% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 5,554 |
| Loan loss allowance to noncurrent loans | 3,479.3103% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.1228% | 5,879 |
| Noncurrent loans to loans | 0.0285% | 6,068 |
| Net loans and leases to total assets | 53.6929% | 4,465 |
| Net loans and leases to deposits | 61.4944% | 4,603 |
| Net loans and leases to core deposits | 70.2353% | 4,061 |
| Total domestic deposits to total assets | 87.3136% | 2,624 |
| Equity capital to assets | 11.0169% | 2,697 |
| Core capital (leverage) ratio | 11.6900% | 1,834 |
| Tier 1 risk-based capital ratio | 17.1406% | 2,626 |
| Total risk-based capital ratio | 17.9445% | 2,778 |
| Memoranda: | ||
| Average total assets | $187,632,000 | 3,194 |
| Average earning assets | $179,261,500 | 3,109 |
| Average equity | $20,108,500 | 3,168 |
| Average total loans | $103,804,500 | 3,393 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2481% | 3,156 |
| Cost of funding earning assets | 0.6499% | 2,202 |
| Net interest margin | 3.5982% | 3,477 |
| Noninterest income to average assets | 0.4631% | 4,007 |
| Noninterest expense to average assets | 1.7732% | 6,366 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6024% | 689 |
| Return on assets (ROA) | 1.5770% | 748 |
| Pretax return on assets | 2.0800% | 407 |
| Return on Equity (ROE) | 13.8161% | 992 |
| Retained earnings to average equity (ytd only) | 3.1978% | 3,959 |
| Net charge-offs to loans | 0.0405% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 469 |
| Efficiency ratio | 45.6235% | 6,573 |
| Assets per employee ($millions) | 6.0615% | 1,239 |
| Cash dividends to net income (ytd only)* | 76.8547% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 5,851 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 5,984 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.8923% | 4,336 |
| Net loans and leases to deposits | 66.7020% | 4,221 |
| Net loans and leases to core deposits | 74.9258% | 3,741 |
| Total domestic deposits to total assets | 83.7940% | 4,247 |
| Equity capital to assets | 10.4180% | 3,266 |
| Core capital (leverage) ratio | 11.6521% | 1,856 |
| Tier 1 risk-based capital ratio | 16.2917% | 2,971 |
| Total risk-based capital ratio | 17.0437% | 3,158 |
| Memoranda: | ||
| Average total assets | $185,480,600 | 3,217 |
| Average earning assets | $176,478,400 | 3,122 |
| Average equity | $21,171,000 | 3,014 |
| Average total loans | $98,796,000 | 3,477 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2497% | 3,202 |
| Cost of funding earning assets | 0.6768% | 2,122 |
| Net interest margin | 3.5729% | 3,564 |
| Noninterest income to average assets | 0.4457% | 4,187 |
| Noninterest expense to average assets | 1.7590% | 6,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5807% | 776 |
| Return on assets (ROA) | 1.5960% | 801 |
| Pretax return on assets | 2.1066% | 464 |
| Return on Equity (ROE) | 13.6793% | 1,076 |
| Retained earnings to average equity (ytd only) | 6.2370% | 2,267 |
| Net charge-offs to loans | 0.0770% | 3,843 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 51.6641% | 845 |
| Efficiency ratio | 45.7427% | 6,598 |
| Assets per employee ($millions) | 5.9228% | 1,295 |
| Cash dividends to net income (ytd only)* | 54.4057% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 5,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3301% | 5,418 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 51.8077% | 4,893 |
| Net loans and leases to deposits | 59.7005% | 5,011 |
| Net loans and leases to core deposits | 67.1472% | 4,608 |
| Total domestic deposits to total assets | 86.7793% | 2,813 |
| Equity capital to assets | 11.0721% | 2,696 |
| Core capital (leverage) ratio | 11.8695% | 1,757 |
| Tier 1 risk-based capital ratio | 17.7301% | 2,429 |
| Total risk-based capital ratio | 18.5227% | 2,563 |
| Memoranda: | ||
| Average total assets | $184,874,250 | 3,255 |
| Average earning assets | $175,912,000 | 3,159 |
| Average equity | $21,569,750 | 3,008 |
| Average total loans | $96,994,500 | 3,551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 3,230 |
| Cost of funding earning assets | 0.6908% | 2,140 |
| Net interest margin | 3.5412% | 3,601 |
| Noninterest income to average assets | 0.3821% | 4,656 |
| Noninterest expense to average assets | 1.7054% | 6,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.5604% | 803 |
| Return on assets (ROA) | 1.5834% | 839 |
| Pretax return on assets | 2.0821% | 514 |
| Return on Equity (ROE) | 13.3465% | 1,158 |
| Retained earnings to average equity (ytd only) | 6.0409% | 2,415 |
| Net charge-offs to loans | -0.0164% | 5,900 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3893% | 6,667 |
| Assets per employee ($millions) | 5.8458% | 1,311 |
| Cash dividends to net income (ytd only)* | 54.7376% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,610 |
| Loan loss allowance to noncurrent loans | 157.4501% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 4,445 |
| Noncurrent loans to loans | 0.6698% | 4,597 |
| Net loans and leases to total assets | 53.0675% | 4,725 |
| Net loans and leases to deposits | 61.0779% | 4,851 |
| Net loans and leases to core deposits | 69.1381% | 4,369 |
| Total domestic deposits to total assets | 86.8850% | 2,892 |
| Equity capital to assets | 11.3773% | 2,403 |
| Core capital (leverage) ratio | 11.5769% | 1,871 |
| Tier 1 risk-based capital ratio | 17.6705% | 2,451 |
| Total risk-based capital ratio | 18.5268% | 2,572 |
| Memoranda: | ||
| Average total assets | $185,297,000 | 3,264 |
| Average earning assets | $176,608,000 | 3,163 |
| Average equity | $21,983,330 | 2,990 |
| Average total loans | $97,298,330 | 3,560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2124% | 3,257 |
| Cost of funding earning assets | 0.7047% | 2,167 |
| Net interest margin | 3.5077% | 3,661 |
| Noninterest income to average assets | 0.3929% | 4,515 |
| Noninterest expense to average assets | 1.5480% | 6,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6420% | 656 |
| Return on assets (ROA) | 1.6868% | 660 |
| Pretax return on assets | 2.2420% | 381 |
| Return on Equity (ROE) | 13.9416% | 975 |
| Retained earnings to average equity (ytd only) | 6.8649% | 2,223 |
| Net charge-offs to loans | -0.0452% | 6,087 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4997% | 6,845 |
| Assets per employee ($millions) | 6.0751% | 1,203 |
| Cash dividends to net income (ytd only)* | 50.7595% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,659 |
| Loan loss allowance to noncurrent loans | 157.9109% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 4,588 |
| Noncurrent loans to loans | 0.6882% | 4,750 |
| Net loans and leases to total assets | 49.6817% | 5,034 |
| Net loans and leases to deposits | 57.8402% | 5,057 |
| Net loans and leases to core deposits | 61.7368% | 4,976 |
| Total domestic deposits to total assets | 85.8947% | 3,585 |
| Equity capital to assets | 12.0232% | 2,022 |
| Core capital (leverage) ratio | 11.3216% | 2,002 |
| Tier 1 risk-based capital ratio | 17.4693% | 2,569 |
| Total risk-based capital ratio | 18.3295% | 2,686 |
| Memoranda: | ||
| Average total assets | $187,335,500 | 3,262 |
| Average earning assets | $178,237,000 | 3,171 |
| Average equity | $22,666,000 | 2,965 |
| Average total loans | $97,350,500 | 3,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4614% | 3,562 |
| Cost of funding earning assets | 0.8669% | 2,167 |
| Net interest margin | 3.5945% | 4,107 |
| Noninterest income to average assets | 0.5450% | 3,612 |
| Noninterest expense to average assets | 1.8398% | 6,566 |
| Loan and lease loss provision to assets | 0.0540% | 5,130 |
| Net operating income to assets | 1.6226% | 727 |
| Return on assets (ROA) | 1.6226% | 804 |
| Pretax return on assets | 2.0780% | 516 |
| Return on Equity (ROE) | 13.4874% | 1,106 |
| Retained earnings to average equity (ytd only) | 3.3988% | 3,836 |
| Net charge-offs to loans | 0.1216% | 4,470 |
| Credit loss provision to net charge-offs | 82.6446% | 3,740 |
| Earnings coverage of net charge-offs (x) | 32.6198% | 950 |
| Efficiency ratio | 46.3212% | 6,773 |
| Assets per employee ($millions) | 6.2115% | 1,160 |
| Cash dividends to net income (ytd only)* | 74.8003% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 5,911 |
| Loan loss allowance to noncurrent loans | 14,528.5714% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 5,544 |
| Noncurrent loans to loans | 0.0070% | 6,558 |
| Net loans and leases to total assets | 53.1769% | 4,734 |
| Net loans and leases to deposits | 64.2416% | 4,503 |
| Net loans and leases to core deposits | 69.1230% | 4,420 |
| Total domestic deposits to total assets | 82.7765% | 4,811 |
| Equity capital to assets | 12.1759% | 1,927 |
| Core capital (leverage) ratio | 11.1186% | 2,150 |
| Tier 1 risk-based capital ratio | 16.4851% | 2,900 |
| Total risk-based capital ratio | 17.3034% | 3,085 |
| Memoranda: | ||
| Average total assets | $185,129,400 | 3,241 |
| Average earning assets | $176,493,400 | 3,140 |
| Average equity | $22,272,600 | 2,941 |
| Average total loans | $99,467,400 | 3,537 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4834% | 3,706 |
| Cost of funding earning assets | 0.8944% | 2,209 |
| Net interest margin | 3.5890% | 4,280 |
| Noninterest income to average assets | 0.5526% | 3,596 |
| Noninterest expense to average assets | 1.8172% | 6,659 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.6823% | 712 |
| Return on assets (ROA) | 1.6823% | 792 |
| Pretax return on assets | 2.1656% | 509 |
| Return on Equity (ROE) | 14.0256% | 1,107 |
| Retained earnings to average equity (ytd only) | 8.2337% | 1,525 |
| Net charge-offs to loans | 0.1396% | 3,997 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 28.8661% | 1,130 |
| Efficiency ratio | 45.6258% | 6,831 |
| Assets per employee ($millions) | 6.0935% | 1,187 |
| Cash dividends to net income (ytd only)* | 41.2950% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 6,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5667% | 5,256 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.7746% | 5,079 |
| Net loans and leases to deposits | 62.7493% | 4,884 |
| Net loans and leases to core deposits | 67.6270% | 4,764 |
| Total domestic deposits to total assets | 82.5102% | 4,830 |
| Equity capital to assets | 12.6748% | 1,782 |
| Core capital (leverage) ratio | 11.6362% | 1,883 |
| Tier 1 risk-based capital ratio | 17.5935% | 2,498 |
| Total risk-based capital ratio | 18.3723% | 2,631 |
| Memoranda: | ||
| Average total assets | $184,825,750 | 3,275 |
| Average earning assets | $176,645,250 | 3,177 |
| Average equity | $22,168,500 | 2,979 |
| Average total loans | $99,307,000 | 3,578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 3,619 |
| Cost of funding earning assets | 0.9252% | 2,225 |
| Net interest margin | 3.6115% | 4,210 |
| Noninterest income to average assets | 0.5132% | 3,838 |
| Noninterest expense to average assets | 1.8415% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6582% | 736 |
| Return on assets (ROA) | 1.6582% | 822 |
| Pretax return on assets | 2.1229% | 557 |
| Return on Equity (ROE) | 14.0877% | 1,093 |
| Retained earnings to average equity (ytd only) | 8.2071% | 1,569 |
| Net charge-offs to loans | 0.2486% | 3,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 15.7520% | 1,630 |
| Efficiency ratio | 46.4509% | 6,864 |
| Assets per employee ($millions) | 6.0351% | 1,208 |
| Cash dividends to net income (ytd only)* | 41.7425% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9352% | 6,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 5,175 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 53.4145% | 4,892 |
| Net loans and leases to deposits | 64.4016% | 4,710 |
| Net loans and leases to core deposits | 69.4233% | 4,608 |
| Total domestic deposits to total assets | 82.9397% | 4,778 |
| Equity capital to assets | 12.4870% | 1,828 |
| Core capital (leverage) ratio | 11.2638% | 2,074 |
| Tier 1 risk-based capital ratio | 17.1035% | 2,623 |
| Total risk-based capital ratio | 17.8605% | 2,814 |
| Memoranda: | ||
| Average total assets | $185,499,670 | 3,273 |
| Average earning assets | $177,267,670 | 3,174 |
| Average equity | $21,834,670 | 3,001 |
| Average total loans | $100,549,330 | 3,555 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 4,141 |
| Cost of funding earning assets | 0.9807% | 2,101 |
| Net interest margin | 3.4636% | 4,857 |
| Noninterest income to average assets | 0.3281% | 5,238 |
| Noninterest expense to average assets | 1.9412% | 6,565 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3893% | 1,243 |
| Return on assets (ROA) | 1.3893% | 1,390 |
| Pretax return on assets | 1.6982% | 1,305 |
| Return on Equity (ROE) | 12.1596% | 1,624 |
| Retained earnings to average equity (ytd only) | 6.1731% | 2,854 |
| Net charge-offs to loans | -0.0078% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3372% | 6,408 |
| Assets per employee ($millions) | 6.4241% | 1,022 |
| Cash dividends to net income (ytd only)* | 49.2331% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0208% | 6,173 |
| Loan loss allowance to noncurrent loans | 84.7596% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.9397% | 4,631 |
| Noncurrent loans to loans | 1.2043% | 4,321 |
| Net loans and leases to total assets | 52.3264% | 4,974 |
| Net loans and leases to deposits | 62.1568% | 4,889 |
| Net loans and leases to core deposits | 66.7313% | 4,829 |
| Total domestic deposits to total assets | 84.1846% | 4,407 |
| Equity capital to assets | 11.1896% | 2,721 |
| Core capital (leverage) ratio | 10.8174% | 2,427 |
| Tier 1 risk-based capital ratio | 15.9881% | 3,184 |
| Total risk-based capital ratio | 16.8169% | 3,374 |
| Memoranda: | ||
| Average total assets | $187,723,500 | 3,263 |
| Average earning assets | $179,468,000 | 3,155 |
| Average equity | $21,448,000 | 3,050 |
| Average total loans | $102,013,500 | 3,540 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8525% | 3,575 |
| Cost of funding earning assets | 1.0641% | 2,923 |
| Net interest margin | 3.7884% | 3,886 |
| Noninterest income to average assets | 0.5023% | 3,826 |
| Noninterest expense to average assets | 1.8626% | 6,871 |
| Loan and lease loss provision to assets | 0.2283% | 3,913 |
| Net operating income to assets | 1.6137% | 648 |
| Return on assets (ROA) | 1.6137% | 701 |
| Pretax return on assets | 2.0287% | 501 |
| Return on Equity (ROE) | 13.7904% | 983 |
| Retained earnings to average equity (ytd only) | 3.6049% | 3,648 |
| Net charge-offs to loans | 0.3340% | 3,726 |
| Credit loss provision to net charge-offs | 119.0476% | 2,688 |
| Earnings coverage of net charge-offs (x) | 11.7679% | 1,686 |
| Efficiency ratio | 45.2127% | 7,084 |
| Assets per employee ($millions) | 6.0908% | 1,167 |
| Cash dividends to net income (ytd only)* | 73.8592% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,138 |
| Loan loss allowance to noncurrent loans | 552.1277% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 5,793 |
| Noncurrent loans to loans | 0.1841% | 6,379 |
| Net loans and leases to total assets | 55.3315% | 4,830 |
| Net loans and leases to deposits | 66.1520% | 4,708 |
| Net loans and leases to core deposits | 71.6902% | 4,569 |
| Total domestic deposits to total assets | 83.6431% | 4,478 |
| Equity capital to assets | 11.6739% | 2,358 |
| Core capital (leverage) ratio | 10.9715% | 2,291 |
| Tier 1 risk-based capital ratio | 15.9975% | 3,051 |
| Total risk-based capital ratio | 16.8391% | 3,228 |
| Memoranda: | ||
| Average total assets | $175,183,800 | 3,409 |
| Average earning assets | $167,275,000 | 3,294 |
| Average equity | $20,499,800 | 3,068 |
| Average total loans | $100,611,000 | 3,601 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9118% | 3,505 |
| Cost of funding earning assets | 1.0772% | 3,130 |
| Net interest margin | 3.8346% | 3,698 |
| Noninterest income to average assets | 0.5185% | 3,738 |
| Noninterest expense to average assets | 1.8519% | 6,916 |
| Loan and lease loss provision to assets | 0.2308% | 3,709 |
| Net operating income to assets | 1.6603% | 695 |
| Return on assets (ROA) | 1.6603% | 755 |
| Pretax return on assets | 2.1004% | 521 |
| Return on Equity (ROE) | 14.1793% | 1,003 |
| Retained earnings to average equity (ytd only) | 7.8518% | 1,564 |
| Net charge-offs to loans | 0.0506% | 5,475 |
| Credit loss provision to net charge-offs | 789.4737% | 338 |
| Earnings coverage of net charge-offs (x) | 79.7296% | 444 |
| Efficiency ratio | 44.2707% | 7,136 |
| Assets per employee ($millions) | 6.0465% | 1,175 |
| Cash dividends to net income (ytd only)* | 44.6247% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 5,201 |
| Loan loss allowance to noncurrent loans | 657.4468% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 5,901 |
| Noncurrent loans to loans | 0.1914% | 6,484 |
| Net loans and leases to total assets | 53.4811% | 5,248 |
| Net loans and leases to deposits | 64.0060% | 5,169 |
| Net loans and leases to core deposits | 69.3037% | 5,027 |
| Total domestic deposits to total assets | 83.5563% | 4,456 |
| Equity capital to assets | 12.0477% | 2,212 |
| Core capital (leverage) ratio | 11.4281% | 2,080 |
| Tier 1 risk-based capital ratio | 16.0647% | 3,083 |
| Total risk-based capital ratio | 17.0482% | 3,180 |
| Memoranda: | ||
| Average total assets | $173,298,750 | 3,459 |
| Average earning assets | $165,610,000 | 3,328 |
| Average equity | $20,292,000 | 3,103 |
| Average total loans | $100,228,250 | 3,640 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 3,244 |
| Cost of funding earning assets | 1.0835% | 3,366 |
| Net interest margin | 3.8983% | 3,317 |
| Noninterest income to average assets | 0.4525% | 4,268 |
| Noninterest expense to average assets | 1.8441% | 7,025 |
| Loan and lease loss provision to assets | 0.3517% | 2,677 |
| Net operating income to assets | 1.5944% | 741 |
| Return on assets (ROA) | 1.5944% | 786 |
| Pretax return on assets | 1.9894% | 599 |
| Return on Equity (ROE) | 13.7573% | 1,030 |
| Retained earnings to average equity (ytd only) | 7.2529% | 1,764 |
| Net charge-offs to loans | 0.0753% | 4,894 |
| Credit loss provision to net charge-offs | 789.4737% | 421 |
| Earnings coverage of net charge-offs (x) | 52.5526% | 605 |
| Efficiency ratio | 44.0616% | 7,231 |
| Assets per employee ($millions) | 5.9816% | 1,197 |
| Cash dividends to net income (ytd only)* | 47.2794% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2657% | 5,222 |
| Loan loss allowance to noncurrent loans | 61.3704% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5559% | 3,858 |
| Noncurrent loans to loans | 2.0625% | 3,393 |
| Net loans and leases to total assets | 55.5809% | 5,055 |
| Net loans and leases to deposits | 66.4658% | 4,923 |
| Net loans and leases to core deposits | 72.4509% | 4,761 |
| Total domestic deposits to total assets | 83.6233% | 4,498 |
| Equity capital to assets | 12.0266% | 2,068 |
| Core capital (leverage) ratio | 11.0067% | 2,242 |
| Tier 1 risk-based capital ratio | 16.0125% | 2,971 |
| Total risk-based capital ratio | 17.0167% | 3,075 |
| Memoranda: | ||
| Average total assets | $170,600,000 | 3,524 |
| Average earning assets | $163,353,000 | 3,382 |
| Average equity | $19,771,330 | 3,158 |
| Average total loans | $100,888,330 | 3,663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 3,043 |
| Cost of funding earning assets | 1.0642% | 3,756 |
| Net interest margin | 3.9497% | 2,914 |
| Noninterest income to average assets | 0.3500% | 5,102 |
| Noninterest expense to average assets | 1.8703% | 7,041 |
| Loan and lease loss provision to assets | 0.3547% | 2,425 |
| Net operating income to assets | 1.5417% | 794 |
| Return on assets (ROA) | 1.5417% | 834 |
| Pretax return on assets | 1.8987% | 684 |
| Return on Equity (ROE) | 13.5650% | 1,075 |
| Retained earnings to average equity (ytd only) | 6.8865% | 2,195 |
| Net charge-offs to loans | -0.0078% | 6,302 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3555% | 7,229 |
| Assets per employee ($millions) | 5.9675% | 1,219 |
| Cash dividends to net income (ytd only)* | 49.2331% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 5,974 |
| Loan loss allowance to noncurrent loans | 42.6677% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 1.7474% | 3,640 |
| Noncurrent loans to loans | 2.6224% | 2,877 |
| Net loans and leases to total assets | 57.4998% | 4,722 |
| Net loans and leases to deposits | 68.2024% | 4,647 |
| Net loans and leases to core deposits | 73.6039% | 4,577 |
| Total domestic deposits to total assets | 84.3076% | 4,365 |
| Equity capital to assets | 11.4892% | 2,282 |
| Core capital (leverage) ratio | 11.7105% | 1,734 |
| Tier 1 risk-based capital ratio | 15.6477% | 3,075 |
| Total risk-based capital ratio | 16.5595% | 3,216 |
| Memoranda: | ||
| Average total assets | $169,167,000 | 3,571 |
| Average earning assets | $161,630,500 | 3,431 |
| Average equity | $19,226,000 | 3,229 |
| Average total loans | $102,507,500 | 3,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2768% | 3,232 |
| Cost of funding earning assets | 1.3366% | 3,656 |
| Net interest margin | 3.9402% | 3,304 |
| Noninterest income to average assets | 0.4888% | 4,257 |
| Noninterest expense to average assets | 2.0050% | 7,014 |
| Loan and lease loss provision to assets | 0.4907% | 3,204 |
| Net operating income to assets | 1.4436% | 871 |
| Return on assets (ROA) | 1.5383% | 768 |
| Pretax return on assets | 1.8627% | 664 |
| Return on Equity (ROE) | 13.2952% | 1,025 |
| Retained earnings to average equity (ytd only) | 3.0799% | 3,698 |
| Net charge-offs to loans | 0.7677% | 2,723 |
| Credit loss provision to net charge-offs | 105.1248% | 4,264 |
| Earnings coverage of net charge-offs (x) | 4.7976% | 2,801 |
| Efficiency ratio | 47.2399% | 7,299 |
| Assets per employee ($millions) | 5.5092% | 1,570 |
| Cash dividends to net income (ytd only)* | 76.8341% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 6,627 |
| Loan loss allowance to noncurrent loans | 67.6389% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 4,804 |
| Noncurrent loans to loans | 1.3796% | 4,418 |
| Net loans and leases to total assets | 62.5663% | 4,157 |
| Net loans and leases to deposits | 77.2507% | 3,624 |
| Net loans and leases to core deposits | 81.9481% | 3,913 |
| Total domestic deposits to total assets | 80.9912% | 5,527 |
| Equity capital to assets | 11.2351% | 2,468 |
| Core capital (leverage) ratio | 11.6407% | 1,761 |
| Tier 1 risk-based capital ratio | 15.0197% | 3,244 |
| Total risk-based capital ratio | 15.7899% | 3,480 |
| Memoranda: | ||
| Average total assets | $163,042,200 | 3,646 |
| Average earning assets | $155,398,000 | 3,538 |
| Average equity | $18,864,000 | 3,296 |
| Average total loans | $99,122,200 | 3,823 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 3,347 |
| Cost of funding earning assets | 1.4161% | 3,482 |
| Net interest margin | 3.8858% | 3,585 |
| Noninterest income to average assets | 0.4489% | 4,568 |
| Noninterest expense to average assets | 1.8922% | 7,219 |
| Loan and lease loss provision to assets | 0.6154% | 2,479 |
| Net operating income to assets | 1.2227% | 1,531 |
| Return on assets (ROA) | 1.2227% | 1,606 |
| Pretax return on assets | 1.6428% | 1,232 |
| Return on Equity (ROE) | 10.4903% | 1,942 |
| Retained earnings to average equity (ytd only) | 3.7103% | 3,850 |
| Net charge-offs to loans | 0.5889% | 2,975 |
| Credit loss provision to net charge-offs | 173.6111% | 2,119 |
| Earnings coverage of net charge-offs (x) | 6.3703% | 2,535 |
| Efficiency ratio | 45.5911% | 7,397 |
| Assets per employee ($millions) | 5.4422% | 1,680 |
| Cash dividends to net income (ytd only)* | 64.6309% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 5,163 |
| Loan loss allowance to noncurrent loans | 58.2791% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 4,267 |
| Noncurrent loans to loans | 2.1625% | 3,493 |
| Net loans and leases to total assets | 60.1273% | 4,887 |
| Net loans and leases to deposits | 73.9473% | 4,520 |
| Net loans and leases to core deposits | 78.3476% | 4,766 |
| Total domestic deposits to total assets | 81.3110% | 5,264 |
| Equity capital to assets | 12.2229% | 2,025 |
| Core capital (leverage) ratio | 11.8271% | 1,752 |
| Tier 1 risk-based capital ratio | 15.7309% | 2,893 |
| Total risk-based capital ratio | 16.7717% | 2,955 |
| Memoranda: | ||
| Average total assets | $162,483,750 | 3,705 |
| Average earning assets | $154,783,000 | 3,606 |
| Average equity | $18,937,750 | 3,331 |
| Average total loans | $97,807,500 | 3,922 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 3,508 |
| Cost of funding earning assets | 1.4591% | 3,504 |
| Net interest margin | 3.8323% | 3,752 |
| Noninterest income to average assets | 0.4155% | 4,793 |
| Noninterest expense to average assets | 1.8542% | 7,324 |
| Loan and lease loss provision to assets | 0.4931% | 2,826 |
| Net operating income to assets | 1.3068% | 1,289 |
| Return on assets (ROA) | 1.3068% | 1,354 |
| Pretax return on assets | 1.7174% | 1,031 |
| Return on Equity (ROE) | 11.3989% | 1,626 |
| Retained earnings to average equity (ytd only) | 4.4950% | 3,205 |
| Net charge-offs to loans | 0.8430% | 2,140 |
| Credit loss provision to net charge-offs | 97.5610% | 4,196 |
| Earnings coverage of net charge-offs (x) | 4.3732% | 2,969 |
| Efficiency ratio | 45.6172% | 7,459 |
| Assets per employee ($millions) | 5.2638% | 1,850 |
| Cash dividends to net income (ytd only)* | 60.5660% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,609 |
| Loan loss allowance to noncurrent loans | 45.1440% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 4,303 |
| Noncurrent loans to loans | 2.0962% | 3,594 |
| Net loans and leases to total assets | 61.3150% | 4,817 |
| Net loans and leases to deposits | 77.0041% | 4,158 |
| Net loans and leases to core deposits | 82.4036% | 4,357 |
| Total domestic deposits to total assets | 79.6256% | 5,852 |
| Equity capital to assets | 12.0566% | 2,067 |
| Core capital (leverage) ratio | 11.6698% | 1,826 |
| Tier 1 risk-based capital ratio | 15.9556% | 2,695 |
| Total risk-based capital ratio | 16.7394% | 2,863 |
| Memoranda: | ||
| Average total assets | $162,222,670 | 3,737 |
| Average earning assets | $154,478,330 | 3,629 |
| Average equity | $18,598,330 | 3,359 |
| Average total loans | $97,269,670 | 3,981 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2006% | 4,014 |
| Cost of funding earning assets | 1.4643% | 3,781 |
| Net interest margin | 3.7363% | 4,072 |
| Noninterest income to average assets | 0.3869% | 5,024 |
| Noninterest expense to average assets | 1.8786% | 7,363 |
| Loan and lease loss provision to assets | 0.3650% | 3,182 |
| Net operating income to assets | 1.2946% | 1,314 |
| Return on assets (ROA) | 1.2946% | 1,385 |
| Pretax return on assets | 1.6888% | 1,082 |
| Return on Equity (ROE) | 11.5791% | 1,619 |
| Retained earnings to average equity (ytd only) | 4.5924% | 3,391 |
| Net charge-offs to loans | 0.8740% | 1,808 |
| Credit loss provision to net charge-offs | 70.7547% | 4,083 |
| Earnings coverage of net charge-offs (x) | 3.9811% | 2,734 |
| Efficiency ratio | 47.7723% | 7,455 |
| Assets per employee ($millions) | 5.5478% | 1,621 |
| Cash dividends to net income (ytd only)* | 60.3383% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,777 |
| Loan loss allowance to noncurrent loans | 37.3876% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 1.5399% | 4,193 |
| Noncurrent loans to loans | 2.4581% | 3,211 |
| Net loans and leases to total assets | 56.5494% | 5,671 |
| Net loans and leases to deposits | 69.1470% | 5,451 |
| Net loans and leases to core deposits | 73.5952% | 5,537 |
| Total domestic deposits to total assets | 81.7815% | 5,164 |
| Equity capital to assets | 11.1689% | 2,617 |
| Core capital (leverage) ratio | 11.4781% | 1,924 |
| Tier 1 risk-based capital ratio | 16.1605% | 2,580 |
| Total risk-based capital ratio | 16.9180% | 2,743 |
| Memoranda: | ||
| Average total assets | $164,377,000 | 3,760 |
| Average earning assets | $155,982,500 | 3,649 |
| Average equity | $18,378,000 | 3,422 |
| Average total loans | $97,029,500 | 4,049 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 5,144 |
| Cost of funding earning assets | 1.8055% | 3,963 |
| Net interest margin | 3.5017% | 4,949 |
| Noninterest income to average assets | 0.4234% | 5,022 |
| Noninterest expense to average assets | 1.8180% | 7,588 |
| Loan and lease loss provision to assets | 0.3538% | 4,679 |
| Net operating income to assets | 1.3382% | 962 |
| Return on assets (ROA) | 1.4068% | 895 |
| Pretax return on assets | 1.6735% | 830 |
| Return on Equity (ROE) | 12.8870% | 985 |
| Retained earnings to average equity (ytd only) | 2.1236% | 3,616 |
| Net charge-offs to loans | 0.6329% | 3,306 |
| Credit loss provision to net charge-offs | 93.6995% | 5,866 |
| Earnings coverage of net charge-offs (x) | 5.1519% | 2,674 |
| Efficiency ratio | 48.3060% | 7,620 |
| Assets per employee ($millions) | 5.4106% | 1,731 |
| Cash dividends to net income (ytd only)* | 83.5212% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 6,661 |
| Loan loss allowance to noncurrent loans | 38.9746% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 1.6184% | 3,944 |
| Noncurrent loans to loans | 2.4216% | 3,134 |
| Net loans and leases to total assets | 60.4569% | 5,266 |
| Net loans and leases to deposits | 74.6287% | 4,934 |
| Net loans and leases to core deposits | 87.4376% | 5,390 |
| Total domestic deposits to total assets | 81.0102% | 5,341 |
| Equity capital to assets | 11.1922% | 2,539 |
| Core capital (leverage) ratio | 11.1198% | 2,156 |
| Tier 1 risk-based capital ratio | 15.5636% | 2,689 |
| Total risk-based capital ratio | 16.3539% | 2,840 |
| Memoranda: | ||
| Average total assets | $163,912,400 | 3,697 |
| Average earning assets | $156,353,800 | 3,588 |
| Average equity | $17,894,000 | 3,518 |
| Average total loans | $97,808,200 | 4,014 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2738% | 5,550 |
| Cost of funding earning assets | 1.8563% | 4,119 |
| Net interest margin | 3.4176% | 5,186 |
| Noninterest income to average assets | 0.4211% | 5,124 |
| Noninterest expense to average assets | 1.7130% | 7,753 |
| Loan and lease loss provision to assets | 0.2678% | 4,822 |
| Net operating income to assets | 1.3406% | 1,140 |
| Return on assets (ROA) | 1.4265% | 1,035 |
| Pretax return on assets | 1.8120% | 784 |
| Return on Equity (ROE) | 13.1492% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.9463% | 1,977 |
| Net charge-offs to loans | 0.4363% | 3,496 |
| Credit loss provision to net charge-offs | 103.4483% | 4,918 |
| Earnings coverage of net charge-offs (x) | 7.6145% | 2,380 |
| Efficiency ratio | 46.4978% | 7,748 |
| Assets per employee ($millions) | 5.8277% | 1,334 |
| Cash dividends to net income (ytd only)* | 54.7783% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 6,167 |
| Loan loss allowance to noncurrent loans | 34.3685% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 1.9200% | 3,469 |
| Noncurrent loans to loans | 2.9665% | 2,551 |
| Net loans and leases to total assets | 58.6046% | 5,790 |
| Net loans and leases to deposits | 74.8685% | 5,237 |
| Net loans and leases to core deposits | 86.3037% | 5,833 |
| Total domestic deposits to total assets | 78.2767% | 6,007 |
| Equity capital to assets | 11.6568% | 2,466 |
| Core capital (leverage) ratio | 11.6321% | 2,004 |
| Tier 1 risk-based capital ratio | 16.3041% | 2,516 |
| Total risk-based capital ratio | 17.1571% | 2,595 |
| Memoranda: | ||
| Average total assets | $164,310,750 | 3,717 |
| Average earning assets | $156,871,250 | 3,605 |
| Average equity | $17,825,750 | 3,556 |
| Average total loans | $97,493,250 | 4,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2922% | 5,687 |
| Cost of funding earning assets | 1.9067% | 4,226 |
| Net interest margin | 3.3855% | 5,235 |
| Noninterest income to average assets | 0.3813% | 5,454 |
| Noninterest expense to average assets | 1.5265% | 7,959 |
| Loan and lease loss provision to assets | 0.2186% | 4,854 |
| Net operating income to assets | 1.4670% | 905 |
| Return on assets (ROA) | 1.4670% | 963 |
| Pretax return on assets | 1.8641% | 750 |
| Return on Equity (ROE) | 13.8633% | 1,018 |
| Retained earnings to average equity (ytd only) | 6.4955% | 1,803 |
| Net charge-offs to loans | 0.6668% | 2,370 |
| Credit loss provision to net charge-offs | 55.2147% | 5,674 |
| Earnings coverage of net charge-offs (x) | 5.2607% | 2,874 |
| Efficiency ratio | 42.2948% | 7,970 |
| Assets per employee ($millions) | 5.8380% | 1,316 |
| Cash dividends to net income (ytd only)* | 53.1457% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 6,922 |
| Loan loss allowance to noncurrent loans | 30.8610% | 6,413 |
| Noncurrent assets plus other real estate owned to assets | 1.8512% | 3,398 |
| Noncurrent loans to loans | 2.8021% | 2,572 |
| Net loans and leases to total assets | 58.0691% | 5,953 |
| Net loans and leases to deposits | 73.6280% | 5,517 |
| Net loans and leases to core deposits | 84.5066% | 6,050 |
| Total domestic deposits to total assets | 78.8681% | 5,846 |
| Equity capital to assets | 10.9449% | 2,972 |
| Core capital (leverage) ratio | 11.1947% | 2,264 |
| Tier 1 risk-based capital ratio | 16.2828% | 2,525 |
| Total risk-based capital ratio | 17.0077% | 2,643 |
| Memoranda: | ||
| Average total assets | $164,689,330 | 3,725 |
| Average earning assets | $157,024,670 | 3,613 |
| Average equity | $17,427,330 | 3,635 |
| Average total loans | $97,786,670 | 4,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3252% | 5,786 |
| Cost of funding earning assets | 1.9769% | 4,252 |
| Net interest margin | 3.3483% | 5,328 |
| Noninterest income to average assets | 0.3267% | 5,841 |
| Noninterest expense to average assets | 1.5922% | 7,914 |
| Loan and lease loss provision to assets | 0.2178% | 4,276 |
| Net operating income to assets | 1.3575% | 1,242 |
| Return on assets (ROA) | 1.3575% | 1,330 |
| Pretax return on assets | 1.7011% | 1,178 |
| Return on Equity (ROE) | 13.0499% | 1,375 |
| Retained earnings to average equity (ytd only) | 5.5829% | 2,831 |
| Net charge-offs to loans | 1.3198% | 1,061 |
| Credit loss provision to net charge-offs | 27.6074% | 4,984 |
| Earnings coverage of net charge-offs (x) | 2.4325% | 3,520 |
| Efficiency ratio | 45.3480% | 7,876 |
| Assets per employee ($millions) | 5.8840% | 1,266 |
| Cash dividends to net income (ytd only)* | 57.2193% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7643% | 7,272 |
| Loan loss allowance to noncurrent loans | 40.9772% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 1.3013% | 4,078 |
| Noncurrent loans to loans | 1.8653% | 3,470 |
| Net loans and leases to total assets | 58.1574% | 5,918 |
| Net loans and leases to deposits | 73.3480% | 5,562 |
| Net loans and leases to core deposits | 83.8285% | 6,071 |
| Total domestic deposits to total assets | 79.2896% | 5,609 |
| Equity capital to assets | 10.6547% | 3,323 |
| Core capital (leverage) ratio | 11.2563% | 2,303 |
| Tier 1 risk-based capital ratio | 16.2532% | 2,593 |
| Total risk-based capital ratio | 16.9096% | 2,732 |
| Memoranda: | ||
| Average total assets | $165,302,000 | 3,738 |
| Average earning assets | $157,215,500 | 3,627 |
| Average equity | $17,195,500 | 3,698 |
| Average total loans | $98,805,000 | 4,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0758% | 5,166 |
| Cost of funding earning assets | 2.5734% | 3,830 |
| Net interest margin | 3.5023% | 5,286 |
| Noninterest income to average assets | 0.4172% | 5,322 |
| Noninterest expense to average assets | 1.6004% | 7,963 |
| Loan and lease loss provision to assets | 0.5306% | 2,693 |
| Net operating income to assets | 1.2820% | 1,537 |
| Return on assets (ROA) | 1.2820% | 1,487 |
| Pretax return on assets | 1.5931% | 1,402 |
| Return on Equity (ROE) | 11.9547% | 1,607 |
| Retained earnings to average equity (ytd only) | 2.8266% | 3,416 |
| Net charge-offs to loans | 0.6921% | 1,770 |
| Credit loss provision to net charge-offs | 126.0870% | 4,235 |
| Earnings coverage of net charge-offs (x) | 5.0464% | 3,771 |
| Efficiency ratio | 42.9741% | 8,042 |
| Assets per employee ($millions) | 5.9233% | 1,179 |
| Cash dividends to net income (ytd only)* | 76.3559% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,308 |
| Loan loss allowance to noncurrent loans | 41.6952% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 3,017 |
| Noncurrent loans to loans | 2.3116% | 2,390 |
| Net loans and leases to total assets | 60.3445% | 5,859 |
| Net loans and leases to deposits | 76.1485% | 5,575 |
| Net loans and leases to core deposits | 86.7149% | 6,087 |
| Total domestic deposits to total assets | 79.2458% | 5,285 |
| Equity capital to assets | 10.1519% | 3,864 |
| Core capital (leverage) ratio | 11.0241% | 2,577 |
| Tier 1 risk-based capital ratio | 15.3815% | 2,887 |
| Total risk-based capital ratio | 16.2123% | 2,978 |
| Memoranda: | ||
| Average total assets | $163,957,800 | 3,647 |
| Average earning assets | $154,812,000 | 3,572 |
| Average equity | $17,583,000 | 3,630 |
| Average total loans | $99,701,000 | 3,960 |