Home > Community Bank > Performance and Condition Ratios
Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 2,926 |
| Cost of funding earning assets | 2.3055% | 1,219 |
| Net interest margin | 2.7938% | 3,717 |
| Noninterest income to average assets | 0.1400% | 3,907 |
| Noninterest expense to average assets | 1.3831% | 4,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.4108% | 1,240 |
| Return on assets (ROA) | 1.4108% | 1,241 |
| Pretax return on assets | 1.4108% | 1,715 |
| Return on Equity (ROE) | 10.2900% | 2,236 |
| Retained earnings to average equity (ytd only) | 7.0369% | 1,972 |
| Net charge-offs to loans | -0.0269% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.5030% | 3,917 |
| Assets per employee ($millions) | 17.9548% | 131 |
| Cash dividends to net income (ytd only)* | 31.5945% | 1,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,339 |
| Loan loss allowance to noncurrent loans | 64.7839% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 674 |
| Noncurrent loans to loans | 1.5116% | 643 |
| Net loans and leases to total assets | 67.0200% | 2,195 |
| Net loans and leases to deposits | 98.6670% | 465 |
| Net loans and leases to core deposits | 110.5358% | 835 |
| Total domestic deposits to total assets | 67.9200% | 4,233 |
| Equity capital to assets | 13.9249% | 711 |
| Core capital (leverage) ratio | 15.7858% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9699% | 333 |
| Memoranda: | ||
| Average total assets | $288,058,000 | 2,539 |
| Average earning assets | $273,605,000 | 2,504 |
| Average equity | $39,506,000 | 2,055 |
| Average total loans | $192,980,500 | 2,461 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 2,912 |
| Cost of funding earning assets | 2.2642% | 1,599 |
| Net interest margin | 2.8424% | 3,414 |
| Noninterest income to average assets | 0.1800% | 3,818 |
| Noninterest expense to average assets | 1.3849% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.4848% | 932 |
| Return on assets (ROA) | 1.4858% | 930 |
| Pretax return on assets | 1.5048% | 1,271 |
| Return on Equity (ROE) | 10.8600% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.3292% | 1,323 |
| Net charge-offs to loans | -0.0168% | 4,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 47.9425% | 4,091 |
| Assets per employee ($millions) | 20.6314% | 98 |
| Cash dividends to net income (ytd only)* | 32.4819% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,297 |
| Loan loss allowance to noncurrent loans | 64.6938% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 654 |
| Noncurrent loans to loans | 1.5261% | 621 |
| Net loans and leases to total assets | 65.6500% | 2,408 |
| Net loans and leases to deposits | 96.8203% | 655 |
| Net loans and leases to core deposits | 107.4035% | 1,056 |
| Total domestic deposits to total assets | 67.8100% | 4,255 |
| Equity capital to assets | 13.5054% | 778 |
| Core capital (leverage) ratio | 15.5509% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9155% | 339 |
| Memoranda: | ||
| Average total assets | $279,305,600 | 2,557 |
| Average earning assets | $265,968,600 | 2,518 |
| Average equity | $38,230,400 | 2,042 |
| Average total loans | $189,914,400 | 2,442 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 2,594 |
| Cost of funding earning assets | 2.1817% | 1,692 |
| Net interest margin | 2.9988% | 3,063 |
| Noninterest income to average assets | 0.2000% | 3,684 |
| Noninterest expense to average assets | 1.2650% | 4,398 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.8034% | 576 |
| Return on assets (ROA) | 1.8056% | 577 |
| Pretax return on assets | 1.8056% | 841 |
| Return on Equity (ROE) | 13.2700% | 1,305 |
| Retained earnings to average equity (ytd only) | 8.6562% | 1,183 |
| Net charge-offs to loans | -0.0179% | 4,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 41.2268% | 4,335 |
| Assets per employee ($millions) | 18.4869% | 118 |
| Cash dividends to net income (ytd only)* | 34.7879% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 3,301 |
| Loan loss allowance to noncurrent loans | 496.0938% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 2,730 |
| Noncurrent loans to loans | 0.2011% | 2,689 |
| Net loans and leases to total assets | 68.1600% | 2,108 |
| Net loans and leases to deposits | 102.3873% | 431 |
| Net loans and leases to core deposits | 111.5668% | 912 |
| Total domestic deposits to total assets | 66.5700% | 4,303 |
| Equity capital to assets | 13.6915% | 737 |
| Core capital (leverage) ratio | 15.8300% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6572% | 351 |
| Memoranda: | ||
| Average total assets | $274,148,333 | 2,574 |
| Average earning assets | $261,905,000 | 2,530 |
| Average equity | $37,291,333 | 2,049 |
| Average total loans | $189,423,000 | 2,439 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 2,485 |
| Cost of funding earning assets | 2.1420% | 1,677 |
| Net interest margin | 3.0175% | 2,947 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.2254% | 4,437 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.8197% | 556 |
| Return on assets (ROA) | 1.8197% | 565 |
| Pretax return on assets | 1.8197% | 814 |
| Return on Equity (ROE) | 13.4200% | 1,256 |
| Retained earnings to average equity (ytd only) | 7.3065% | 1,739 |
| Net charge-offs to loans | -0.0276% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 40.2410% | 4,348 |
| Assets per employee ($millions) | 18.2140% | 130 |
| Cash dividends to net income (ytd only)* | 45.5645% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 3,317 |
| Loan loss allowance to noncurrent loans | 406.4103% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 2,511 |
| Noncurrent loans to loans | 0.2453% | 2,439 |
| Net loans and leases to total assets | 69.1200% | 1,899 |
| Net loans and leases to deposits | 103.9591% | 339 |
| Net loans and leases to core deposits | 112.6186% | 852 |
| Total domestic deposits to total assets | 66.4900% | 4,364 |
| Equity capital to assets | 13.5643% | 743 |
| Core capital (leverage) ratio | 15.6818% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2245% | 372 |
| Memoranda: | ||
| Average total assets | $272,570,500 | 2,581 |
| Average earning assets | $260,881,000 | 2,538 |
| Average equity | $36,953,500 | 2,058 |
| Average total loans | $188,676,000 | 2,441 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 2,853 |
| Cost of funding earning assets | 1.8587% | 1,145 |
| Net interest margin | 2.7617% | 3,730 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.2947% | 4,440 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.4442% | 1,127 |
| Return on assets (ROA) | 1.4046% | 1,184 |
| Pretax return on assets | 1.4191% | 1,595 |
| Return on Equity (ROE) | 10.7000% | 2,304 |
| Retained earnings to average equity (ytd only) | 7.2449% | 1,812 |
| Net charge-offs to loans | -0.0628% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 46.1998% | 4,187 |
| Assets per employee ($millions) | 18.1287% | 127 |
| Cash dividends to net income (ytd only)* | 32.2773% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 3,248 |
| Loan loss allowance to noncurrent loans | 133.2392% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5211% | 1,079 |
| Noncurrent loans to loans | 0.7594% | 1,026 |
| Net loans and leases to total assets | 67.9300% | 2,043 |
| Net loans and leases to deposits | 101.5839% | 454 |
| Net loans and leases to core deposits | 109.1452% | 989 |
| Total domestic deposits to total assets | 66.8700% | 4,360 |
| Equity capital to assets | 13.5505% | 758 |
| Core capital (leverage) ratio | 15.4351% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4427% | 356 |
| Memoranda: | ||
| Average total assets | $262,917,600 | 2,610 |
| Average earning assets | $250,825,000 | 2,570 |
| Average equity | $34,520,600 | 2,074 |
| Average total loans | $178,329,200 | 2,458 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5258% | 2,852 |
| Cost of funding earning assets | 1.7865% | 1,034 |
| Net interest margin | 2.7393% | 3,825 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 1.2353% | 4,471 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5406% | 1,043 |
| Return on assets (ROA) | 1.4869% | 1,131 |
| Pretax return on assets | 1.4869% | 1,584 |
| Return on Equity (ROE) | 11.4200% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.3425% | 2,186 |
| Net charge-offs to loans | -0.0832% | 4,463 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 44.4179% | 4,207 |
| Assets per employee ($millions) | 16.5224% | 151 |
| Cash dividends to net income (ytd only)* | 35.7069% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,281 |
| Loan loss allowance to noncurrent loans | 129.0947% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5474% | 1,067 |
| Noncurrent loans to loans | 0.7871% | 1,054 |
| Net loans and leases to total assets | 68.8400% | 1,963 |
| Net loans and leases to deposits | 101.8988% | 436 |
| Net loans and leases to core deposits | 109.4528% | 889 |
| Total domestic deposits to total assets | 67.5500% | 4,376 |
| Equity capital to assets | 12.7811% | 859 |
| Core capital (leverage) ratio | 15.5514% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5223% | 366 |
| Memoranda: | ||
| Average total assets | $260,664,250 | 2,625 |
| Average earning assets | $248,375,000 | 2,586 |
| Average equity | $33,938,750 | 2,088 |
| Average total loans | $176,261,250 | 2,484 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 2,861 |
| Cost of funding earning assets | 1.7295% | 846 |
| Net interest margin | 2.6822% | 3,996 |
| Noninterest income to average assets | 0.1700% | 3,948 |
| Noninterest expense to average assets | 1.2389% | 4,505 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.4809% | 1,142 |
| Return on assets (ROA) | 1.4000% | 1,313 |
| Pretax return on assets | 1.4000% | 1,815 |
| Return on Equity (ROE) | 10.6900% | 2,505 |
| Retained earnings to average equity (ytd only) | 6.0490% | 2,600 |
| Net charge-offs to loans | -0.1232% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.4211% | 4,192 |
| Assets per employee ($millions) | 17.0867% | 139 |
| Cash dividends to net income (ytd only)* | 43.3921% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,170 |
| Loan loss allowance to noncurrent loans | 110.1595% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 801 |
| Noncurrent loans to loans | 0.9554% | 794 |
| Net loans and leases to total assets | 68.4100% | 1,923 |
| Net loans and leases to deposits | 101.7880% | 440 |
| Net loans and leases to core deposits | 109.6128% | 843 |
| Total domestic deposits to total assets | 67.2100% | 4,424 |
| Equity capital to assets | 13.3398% | 739 |
| Core capital (leverage) ratio | 15.4675% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7297% | 362 |
| Memoranda: | ||
| Average total assets | $259,432,667 | 2,639 |
| Average earning assets | $247,708,000 | 2,598 |
| Average equity | $33,989,000 | 2,094 |
| Average total loans | $173,734,333 | 2,495 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 2,920 |
| Cost of funding earning assets | 1.6381% | 649 |
| Net interest margin | 2.6149% | 4,192 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.1341% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5341% | 1,105 |
| Return on assets (ROA) | 1.5341% | 1,091 |
| Pretax return on assets | 1.5341% | 1,595 |
| Return on Equity (ROE) | 11.8200% | 2,263 |
| Retained earnings to average equity (ytd only) | 8.6283% | 2,047 |
| Net charge-offs to loans | -0.2419% | 4,610 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.5043% | 4,369 |
| Assets per employee ($millions) | 17.5220% | 131 |
| Cash dividends to net income (ytd only)* | 26.9730% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,189 |
| Loan loss allowance to noncurrent loans | 90.9671% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 621 |
| Noncurrent loans to loans | 1.1799% | 593 |
| Net loans and leases to total assets | 64.9800% | 2,157 |
| Net loans and leases to deposits | 94.9693% | 722 |
| Net loans and leases to core deposits | 101.9082% | 1,002 |
| Total domestic deposits to total assets | 68.4200% | 4,452 |
| Equity capital to assets | 13.0251% | 755 |
| Core capital (leverage) ratio | 15.2716% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0928% | 349 |
| Memoranda: | ||
| Average total assets | $260,998,500 | 2,663 |
| Average earning assets | $249,797,000 | 2,620 |
| Average equity | $33,888,500 | 2,131 |
| Average total loans | $171,999,000 | 2,529 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8264% | 2,203 |
| Cost of funding earning assets | 0.9712% | 184 |
| Net interest margin | 2.8552% | 3,783 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.2662% | 4,573 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.6510% | 602 |
| Return on assets (ROA) | 1.6518% | 572 |
| Pretax return on assets | 1.6518% | 1,036 |
| Return on Equity (ROE) | 12.2600% | 2,053 |
| Retained earnings to average equity (ytd only) | 9.1934% | 1,423 |
| Net charge-offs to loans | -0.0378% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.2882% | 4,451 |
| Assets per employee ($millions) | 18.5119% | 113 |
| Cash dividends to net income (ytd only)* | 25.0297% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9635% | 3,553 |
| Loan loss allowance to noncurrent loans | 76.5060% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8327% | 556 |
| Noncurrent loans to loans | 1.2594% | 550 |
| Net loans and leases to total assets | 65.4800% | 2,092 |
| Net loans and leases to deposits | 91.2402% | 964 |
| Net loans and leases to core deposits | 95.6602% | 1,224 |
| Total domestic deposits to total assets | 71.7700% | 4,434 |
| Equity capital to assets | 12.9426% | 719 |
| Core capital (leverage) ratio | 15.3364% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7562% | 341 |
| Memoranda: | ||
| Average total assets | $254,941,600 | 2,697 |
| Average earning assets | $244,539,200 | 2,646 |
| Average equity | $34,339,800 | 2,139 |
| Average total loans | $166,489,600 | 2,492 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7722% | 1,830 |
| Cost of funding earning assets | 0.8616% | 122 |
| Net interest margin | 2.9106% | 3,463 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 1.1869% | 4,634 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.7761% | 449 |
| Return on assets (ROA) | 1.7771% | 435 |
| Pretax return on assets | 1.7771% | 769 |
| Return on Equity (ROE) | 13.0600% | 1,680 |
| Retained earnings to average equity (ytd only) | 8.9944% | 1,652 |
| Net charge-offs to loans | -0.0508% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.9152% | 4,575 |
| Assets per employee ($millions) | 16.8267% | 153 |
| Cash dividends to net income (ytd only)* | 31.1466% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,558 |
| Loan loss allowance to noncurrent loans | 90.0218% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 678 |
| Noncurrent loans to loans | 1.0931% | 687 |
| Net loans and leases to total assets | 65.8200% | 1,906 |
| Net loans and leases to deposits | 88.6219% | 988 |
| Net loans and leases to core deposits | 92.7057% | 1,155 |
| Total domestic deposits to total assets | 74.2700% | 4,448 |
| Equity capital to assets | 12.4394% | 788 |
| Core capital (leverage) ratio | 15.2647% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7155% | 356 |
| Memoranda: | ||
| Average total assets | $253,885,250 | 2,724 |
| Average earning assets | $243,566,250 | 2,670 |
| Average equity | $34,539,000 | 2,161 |
| Average total loans | $165,273,000 | 2,495 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 1,454 |
| Cost of funding earning assets | 0.8419% | 80 |
| Net interest margin | 2.8939% | 3,186 |
| Noninterest income to average assets | 0.1840% | 4,084 |
| Noninterest expense to average assets | 1.1518% | 4,663 |
| Loan and lease loss provision to assets | 0.0157% | 2,317 |
| Net operating income to assets | 1.7973% | 338 |
| Return on assets (ROA) | 1.7989% | 330 |
| Pretax return on assets | 1.7989% | 600 |
| Return on Equity (ROE) | 12.8589% | 1,416 |
| Retained earnings to average equity (ytd only) | 8.3403% | 1,495 |
| Net charge-offs to loans | -0.0584% | 4,297 |
| Credit loss provision to net charge-offs | -41.6667% | 3,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8491% | 4,639 |
| Assets per employee ($millions) | 17.9409% | 124 |
| Cash dividends to net income (ytd only)* | 35.1399% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9809% | 3,682 |
| Loan loss allowance to noncurrent loans | 90.4367% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 743 |
| Noncurrent loans to loans | 1.0846% | 763 |
| Net loans and leases to total assets | 65.7533% | 1,725 |
| Net loans and leases to deposits | 89.5192% | 745 |
| Net loans and leases to core deposits | 93.2183% | 957 |
| Total domestic deposits to total assets | 73.4517% | 4,551 |
| Equity capital to assets | 12.7180% | 716 |
| Core capital (leverage) ratio | 15.2038% | 452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4003% | 346 |
| Memoranda: | ||
| Average total assets | $254,380,333 | 2,742 |
| Average earning assets | $244,448,667 | 2,699 |
| Average equity | $35,586,333 | 2,178 |
| Average total loans | $164,435,000 | 2,512 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 1,321 |
| Cost of funding earning assets | 0.8401% | 68 |
| Net interest margin | 2.8383% | 3,019 |
| Noninterest income to average assets | 0.1797% | 4,089 |
| Noninterest expense to average assets | 1.1251% | 4,689 |
| Loan and lease loss provision to assets | 0.0313% | 1,803 |
| Net operating income to assets | 1.7579% | 359 |
| Return on assets (ROA) | 1.7610% | 362 |
| Pretax return on assets | 1.7610% | 604 |
| Return on Equity (ROE) | 12.0511% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.8859% | 1,300 |
| Net charge-offs to loans | -0.0343% | 4,137 |
| Credit loss provision to net charge-offs | -142.8571% | 2,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6059% | 4,670 |
| Assets per employee ($millions) | 16.9294% | 144 |
| Cash dividends to net income (ytd only)* | 26.2644% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,838 |
| Loan loss allowance to noncurrent loans | 204.7254% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 1,883 |
| Noncurrent loans to loans | 0.4737% | 1,840 |
| Net loans and leases to total assets | 64.4606% | 1,563 |
| Net loans and leases to deposits | 89.7611% | 527 |
| Net loans and leases to core deposits | 93.3761% | 757 |
| Total domestic deposits to total assets | 71.8135% | 4,632 |
| Equity capital to assets | 14.0911% | 514 |
| Core capital (leverage) ratio | 14.9612% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2338% | 370 |
| Memoranda: | ||
| Average total assets | $255,984,500 | 2,746 |
| Average earning assets | $246,630,000 | 2,698 |
| Average equity | $37,407,500 | 2,157 |
| Average total loans | $163,257,500 | 2,521 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 2,055 |
| Cost of funding earning assets | 0.9607% | 85 |
| Net interest margin | 2.7592% | 3,757 |
| Noninterest income to average assets | 0.1683% | 4,315 |
| Noninterest expense to average assets | 1.1805% | 4,717 |
| Loan and lease loss provision to assets | 0.0978% | 1,269 |
| Net operating income to assets | 1.4470% | 1,142 |
| Return on assets (ROA) | 1.4470% | 1,218 |
| Pretax return on assets | 1.5174% | 1,660 |
| Return on Equity (ROE) | 9.6231% | 2,667 |
| Retained earnings to average equity (ytd only) | 7.2577% | 1,823 |
| Net charge-offs to loans | 0.0661% | 1,131 |
| Credit loss provision to net charge-offs | 245.0980% | 1,182 |
| Earnings coverage of net charge-offs (x) | 40.4706% | 1,435 |
| Efficiency ratio | 42.2253% | 4,631 |
| Assets per employee ($millions) | 17.2019% | 147 |
| Cash dividends to net income (ytd only)* | 24.5809% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9732% | 3,862 |
| Loan loss allowance to noncurrent loans | 197.6071% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 2,004 |
| Noncurrent loans to loans | 0.4925% | 1,896 |
| Net loans and leases to total assets | 61.8735% | 1,958 |
| Net loans and leases to deposits | 88.4248% | 629 |
| Net loans and leases to core deposits | 92.4115% | 854 |
| Total domestic deposits to total assets | 69.9730% | 4,686 |
| Equity capital to assets | 15.1410% | 476 |
| Core capital (leverage) ratio | 14.5455% | 527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3067% | 383 |
| Memoranda: | ||
| Average total assets | $255,567,600 | 2,687 |
| Average earning assets | $243,369,600 | 2,660 |
| Average equity | $38,428,200 | 2,141 |
| Average total loans | $154,290,400 | 2,595 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 2,143 |
| Cost of funding earning assets | 0.9784% | 93 |
| Net interest margin | 2.7726% | 3,839 |
| Noninterest income to average assets | 0.1689% | 4,359 |
| Noninterest expense to average assets | 1.1495% | 4,803 |
| Loan and lease loss provision to assets | 0.1098% | 1,105 |
| Net operating income to assets | 1.5417% | 1,169 |
| Return on assets (ROA) | 1.5417% | 1,213 |
| Pretax return on assets | 1.5417% | 1,873 |
| Return on Equity (ROE) | 10.2711% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.1041% | 2,375 |
| Net charge-offs to loans | 0.0891% | 808 |
| Credit loss provision to net charge-offs | 205.8824% | 1,189 |
| Earnings coverage of net charge-offs (x) | 30.9608% | 1,507 |
| Efficiency ratio | 41.0381% | 4,691 |
| Assets per employee ($millions) | 16.0873% | 165 |
| Cash dividends to net income (ytd only)* | 30.8345% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,922 |
| Loan loss allowance to noncurrent loans | 192.2013% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.3302% | 2,133 |
| Noncurrent loans to loans | 0.5086% | 2,035 |
| Net loans and leases to total assets | 60.1334% | 2,244 |
| Net loans and leases to deposits | 85.7379% | 842 |
| Net loans and leases to core deposits | 89.6055% | 1,054 |
| Total domestic deposits to total assets | 70.1363% | 4,730 |
| Equity capital to assets | 15.1840% | 516 |
| Core capital (leverage) ratio | 14.4376% | 566 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2958% | 411 |
| Memoranda: | ||
| Average total assets | $254,952,500 | 2,717 |
| Average earning assets | $242,032,000 | 2,685 |
| Average equity | $38,268,250 | 2,173 |
| Average total loans | $152,558,000 | 2,648 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 1,990 |
| Cost of funding earning assets | 0.9955% | 108 |
| Net interest margin | 2.8365% | 3,708 |
| Noninterest income to average assets | 0.1771% | 4,313 |
| Noninterest expense to average assets | 1.1167% | 4,845 |
| Loan and lease loss provision to assets | 0.0315% | 2,353 |
| Net operating income to assets | 1.7243% | 836 |
| Return on assets (ROA) | 1.7243% | 884 |
| Pretax return on assets | 1.7243% | 1,423 |
| Return on Equity (ROE) | 11.5326% | 2,219 |
| Retained earnings to average equity (ytd only) | 8.2534% | 1,992 |
| Net charge-offs to loans | -0.0026% | 3,258 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8767% | 4,780 |
| Assets per employee ($millions) | 17.9283% | 132 |
| Cash dividends to net income (ytd only)* | 28.4345% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 4,000 |
| Loan loss allowance to noncurrent loans | 138.4470% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 1,858 |
| Noncurrent loans to loans | 0.6859% | 1,711 |
| Net loans and leases to total assets | 60.7587% | 2,328 |
| Net loans and leases to deposits | 87.8402% | 785 |
| Net loans and leases to core deposits | 91.7509% | 1,021 |
| Total domestic deposits to total assets | 69.1696% | 4,773 |
| Equity capital to assets | 15.3696% | 479 |
| Core capital (leverage) ratio | 14.5399% | 530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5496% | 400 |
| Memoranda: | ||
| Average total assets | $254,138,000 | 2,714 |
| Average earning assets | $241,492,000 | 2,684 |
| Average equity | $37,996,667 | 2,178 |
| Average total loans | $151,307,667 | 2,670 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 1,965 |
| Cost of funding earning assets | 1.0130% | 128 |
| Net interest margin | 2.8319% | 3,685 |
| Noninterest income to average assets | 0.1689% | 4,350 |
| Noninterest expense to average assets | 1.1638% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6988% | 939 |
| Return on assets (ROA) | 1.6988% | 986 |
| Pretax return on assets | 1.6988% | 1,492 |
| Return on Equity (ROE) | 11.5206% | 2,181 |
| Retained earnings to average equity (ytd only) | 9.3034% | 1,858 |
| Net charge-offs to loans | -0.0053% | 3,419 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6557% | 4,727 |
| Assets per employee ($millions) | 19.4778% | 101 |
| Cash dividends to net income (ytd only)* | 19.2449% | 2,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 4,046 |
| Loan loss allowance to noncurrent loans | 134.9146% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 2,082 |
| Noncurrent loans to loans | 0.6979% | 1,848 |
| Net loans and leases to total assets | 59.0857% | 2,664 |
| Net loans and leases to deposits | 84.2419% | 1,121 |
| Net loans and leases to core deposits | 87.8995% | 1,374 |
| Total domestic deposits to total assets | 70.1381% | 4,765 |
| Equity capital to assets | 14.9262% | 507 |
| Core capital (leverage) ratio | 14.2579% | 611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8968% | 413 |
| Memoranda: | ||
| Average total assets | $255,709,000 | 2,700 |
| Average earning assets | $243,228,500 | 2,659 |
| Average equity | $37,706,500 | 2,173 |
| Average total loans | $149,979,500 | 2,688 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,036 |
| Cost of funding earning assets | 1.2739% | 198 |
| Net interest margin | 2.6235% | 4,468 |
| Noninterest income to average assets | 0.1679% | 4,450 |
| Noninterest expense to average assets | 1.1829% | 4,905 |
| Loan and lease loss provision to assets | 0.1017% | 3,056 |
| Net operating income to assets | 1.3625% | 1,100 |
| Return on assets (ROA) | 1.4208% | 1,057 |
| Pretax return on assets | 1.4330% | 1,561 |
| Return on Equity (ROE) | 9.9774% | 2,013 |
| Retained earnings to average equity (ytd only) | 7.6587% | 1,157 |
| Net charge-offs to loans | 0.0267% | 2,500 |
| Credit loss provision to net charge-offs | 657.8947% | 1,040 |
| Earnings coverage of net charge-offs (x) | 95.5000% | 811 |
| Efficiency ratio | 44.4937% | 4,772 |
| Assets per employee ($millions) | 19.8620% | 93 |
| Cash dividends to net income (ytd only)* | 23.2398% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 4,022 |
| Loan loss allowance to noncurrent loans | 127.2401% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 2,213 |
| Noncurrent loans to loans | 0.7494% | 1,828 |
| Net loans and leases to total assets | 57.1269% | 3,186 |
| Net loans and leases to deposits | 80.7198% | 1,791 |
| Net loans and leases to core deposits | 84.0240% | 2,033 |
| Total domestic deposits to total assets | 70.7718% | 4,758 |
| Equity capital to assets | 14.5690% | 664 |
| Core capital (leverage) ratio | 13.4018% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4053% | 419 |
| Memoranda: | ||
| Average total assets | $245,911,400 | 2,601 |
| Average earning assets | $233,465,000 | 2,574 |
| Average equity | $35,019,200 | 2,234 |
| Average total loans | $142,282,400 | 2,724 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,047 |
| Cost of funding earning assets | 1.3068% | 237 |
| Net interest margin | 2.6669% | 4,502 |
| Noninterest income to average assets | 0.1702% | 4,450 |
| Noninterest expense to average assets | 1.2074% | 4,939 |
| Loan and lease loss provision to assets | 0.1371% | 2,641 |
| Net operating income to assets | 1.3567% | 1,210 |
| Return on assets (ROA) | 1.4358% | 1,112 |
| Pretax return on assets | 1.4358% | 1,616 |
| Return on Equity (ROE) | 10.1444% | 1,969 |
| Retained earnings to average equity (ytd only) | 6.9944% | 1,692 |
| Net charge-offs to loans | -0.0322% | 4,554 |
| Credit loss provision to net charge-offs | -735.2941% | 3,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.6951% | 4,767 |
| Assets per employee ($millions) | 17.3769% | 114 |
| Cash dividends to net income (ytd only)* | 31.0516% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,704 |
| Loan loss allowance to noncurrent loans | 142.9119% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.4216% | 2,478 |
| Noncurrent loans to loans | 0.7002% | 2,042 |
| Net loans and leases to total assets | 56.6302% | 3,560 |
| Net loans and leases to deposits | 79.9100% | 2,325 |
| Net loans and leases to core deposits | 83.2909% | 2,550 |
| Total domestic deposits to total assets | 70.8675% | 4,724 |
| Equity capital to assets | 14.0305% | 851 |
| Core capital (leverage) ratio | 13.0497% | 937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6835% | 474 |
| Memoranda: | ||
| Average total assets | $242,837,750 | 2,608 |
| Average earning assets | $230,476,000 | 2,576 |
| Average equity | $34,369,500 | 2,250 |
| Average total loans | $140,621,750 | 2,750 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0795% | 3,103 |
| Cost of funding earning assets | 1.3254% | 322 |
| Net interest margin | 2.7541% | 4,500 |
| Noninterest income to average assets | 0.1722% | 4,430 |
| Noninterest expense to average assets | 1.2689% | 4,954 |
| Loan and lease loss provision to assets | 0.1900% | 2,123 |
| Net operating income to assets | 1.3255% | 1,292 |
| Return on assets (ROA) | 1.4470% | 1,112 |
| Pretax return on assets | 1.4470% | 1,596 |
| Return on Equity (ROE) | 10.1916% | 1,929 |
| Retained earnings to average equity (ytd only) | 6.4872% | 1,869 |
| Net charge-offs to loans | -0.0029% | 3,879 |
| Credit loss provision to net charge-offs | -11,250.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5731% | 4,749 |
| Assets per employee ($millions) | 16.4405% | 131 |
| Cash dividends to net income (ytd only)* | 36.3477% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,663 |
| Loan loss allowance to noncurrent loans | 134.4892% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,598 |
| Noncurrent loans to loans | 0.7298% | 2,053 |
| Net loans and leases to total assets | 55.0348% | 3,775 |
| Net loans and leases to deposits | 76.9723% | 2,762 |
| Net loans and leases to core deposits | 80.1586% | 2,935 |
| Total domestic deposits to total assets | 71.4995% | 4,732 |
| Equity capital to assets | 13.5219% | 978 |
| Core capital (leverage) ratio | 13.2406% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6349% | 465 |
| Memoranda: | ||
| Average total assets | $236,899,000 | 2,628 |
| Average earning assets | $224,683,000 | 2,591 |
| Average equity | $33,635,667 | 2,284 |
| Average total loans | $137,795,333 | 2,771 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 3,459 |
| Cost of funding earning assets | 1.3671% | 459 |
| Net interest margin | 2.7549% | 4,616 |
| Noninterest income to average assets | 0.2002% | 4,355 |
| Noninterest expense to average assets | 1.4529% | 4,944 |
| Loan and lease loss provision to assets | 0.1787% | 1,665 |
| Net operating income to assets | 1.1759% | 1,597 |
| Return on assets (ROA) | 1.3421% | 1,218 |
| Pretax return on assets | 1.3421% | 1,743 |
| Return on Equity (ROE) | 9.1953% | 2,028 |
| Retained earnings to average equity (ytd only) | 5.7792% | 1,964 |
| Net charge-offs to loans | -0.0479% | 4,622 |
| Credit loss provision to net charge-offs | -625.0000% | 3,443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7505% | 4,561 |
| Assets per employee ($millions) | 13.2155% | 179 |
| Cash dividends to net income (ytd only)* | 37.1505% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,873 |
| Loan loss allowance to noncurrent loans | 80.0484% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 1,776 |
| Noncurrent loans to loans | 1.2055% | 1,355 |
| Net loans and leases to total assets | 60.4821% | 3,447 |
| Net loans and leases to deposits | 86.8910% | 1,890 |
| Net loans and leases to core deposits | 91.8469% | 2,179 |
| Total domestic deposits to total assets | 69.6069% | 4,868 |
| Equity capital to assets | 14.4171% | 920 |
| Core capital (leverage) ratio | 14.7263% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.0822% | 439 |
| Memoranda: | ||
| Average total assets | $223,824,500 | 2,683 |
| Average earning assets | $211,839,500 | 2,646 |
| Average equity | $32,669,000 | 2,318 |
| Average total loans | $133,591,500 | 2,801 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 3,807 |
| Cost of funding earning assets | 1.3753% | 610 |
| Net interest margin | 2.8283% | 4,734 |
| Noninterest income to average assets | 0.1185% | 4,864 |
| Noninterest expense to average assets | 1.4203% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3797% | 1,411 |
| Return on assets (ROA) | 1.4397% | 1,281 |
| Pretax return on assets | 1.4550% | 1,960 |
| Return on Equity (ROE) | 10.1694% | 2,222 |
| Retained earnings to average equity (ytd only) | 7.8903% | 1,010 |
| Net charge-offs to loans | 0.1932% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 12.5500% | 2,408 |
| Efficiency ratio | 50.4605% | 4,711 |
| Assets per employee ($millions) | 14.8657% | 123 |
| Cash dividends to net income (ytd only)* | 22.4116% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,848 |
| Loan loss allowance to noncurrent loans | 281.5851% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 3,591 |
| Noncurrent loans to loans | 0.3301% | 3,256 |
| Net loans and leases to total assets | 57.7480% | 3,785 |
| Net loans and leases to deposits | 82.6445% | 2,483 |
| Net loans and leases to core deposits | 87.8508% | 2,615 |
| Total domestic deposits to total assets | 69.8752% | 4,940 |
| Equity capital to assets | 14.7758% | 855 |
| Core capital (leverage) ratio | 14.5561% | 789 |
| Tier 1 risk-based capital ratio | 24.9124% | 758 |
| Total risk-based capital ratio | 25.8528% | 762 |
| Memoranda: | ||
| Average total assets | $216,016,000 | 2,701 |
| Average earning assets | $205,917,800 | 2,647 |
| Average equity | $30,581,800 | 2,357 |
| Average total loans | $124,209,400 | 2,890 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 3,933 |
| Cost of funding earning assets | 1.3619% | 655 |
| Net interest margin | 2.8326% | 4,826 |
| Noninterest income to average assets | 0.0579% | 5,095 |
| Noninterest expense to average assets | 1.4648% | 5,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2980% | 1,869 |
| Return on assets (ROA) | 1.2669% | 2,039 |
| Pretax return on assets | 1.2669% | 2,759 |
| Return on Equity (ROE) | 9.0516% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.9529% | 2,393 |
| Net charge-offs to loans | 0.2476% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.1492% | 2,593 |
| Efficiency ratio | 53.0180% | 4,497 |
| Assets per employee ($millions) | 10.8668% | 277 |
| Cash dividends to net income (ytd only)* | 34.2338% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 3,731 |
| Loan loss allowance to noncurrent loans | 305.0000% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 3,724 |
| Noncurrent loans to loans | 0.3182% | 3,387 |
| Net loans and leases to total assets | 57.2825% | 3,945 |
| Net loans and leases to deposits | 82.9458% | 2,574 |
| Net loans and leases to core deposits | 88.5682% | 2,679 |
| Total domestic deposits to total assets | 69.0602% | 5,025 |
| Equity capital to assets | 14.7592% | 916 |
| Core capital (leverage) ratio | 14.2893% | 909 |
| Tier 1 risk-based capital ratio | 24.5937% | 798 |
| Total risk-based capital ratio | 25.5637% | 804 |
| Memoranda: | ||
| Average total assets | $214,273,500 | 2,734 |
| Average earning assets | $204,613,000 | 2,679 |
| Average equity | $29,990,250 | 2,410 |
| Average total loans | $122,767,250 | 2,943 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 4,014 |
| Cost of funding earning assets | 1.3329% | 679 |
| Net interest margin | 2.8301% | 4,895 |
| Noninterest income to average assets | -0.0591% | 5,278 |
| Noninterest expense to average assets | 1.4893% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1658% | 2,278 |
| Return on assets (ROA) | 1.1658% | 2,351 |
| Pretax return on assets | 1.1658% | 3,025 |
| Return on Equity (ROE) | 8.4862% | 3,069 |
| Retained earnings to average equity (ytd only) | 4.9429% | 2,793 |
| Net charge-offs to loans | 0.2940% | 579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 6.9441% | 2,535 |
| Efficiency ratio | 56.0933% | 4,238 |
| Assets per employee ($millions) | 11.3471% | 247 |
| Cash dividends to net income (ytd only)* | 41.7538% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 3,504 |
| Loan loss allowance to noncurrent loans | 358.4746% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 3,812 |
| Noncurrent loans to loans | 0.2844% | 3,516 |
| Net loans and leases to total assets | 57.1493% | 3,995 |
| Net loans and leases to deposits | 82.5490% | 2,670 |
| Net loans and leases to core deposits | 89.0472% | 2,690 |
| Total domestic deposits to total assets | 69.2307% | 5,068 |
| Equity capital to assets | 14.3774% | 991 |
| Core capital (leverage) ratio | 14.1229% | 930 |
| Tier 1 risk-based capital ratio | 24.1649% | 829 |
| Total risk-based capital ratio | 25.1764% | 832 |
| Memoranda: | ||
| Average total assets | $213,253,000 | 2,750 |
| Average earning assets | $204,517,670 | 2,690 |
| Average equity | $29,294,670 | 2,440 |
| Average total loans | $121,784,670 | 2,964 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 4,027 |
| Cost of funding earning assets | 1.3071% | 647 |
| Net interest margin | 2.8347% | 4,953 |
| Noninterest income to average assets | -0.3112% | 5,346 |
| Noninterest expense to average assets | 1.5786% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8261% | 3,525 |
| Return on assets (ROA) | 0.8261% | 3,567 |
| Pretax return on assets | 0.8261% | 3,979 |
| Return on Equity (ROE) | 6.1596% | 3,963 |
| Retained earnings to average equity (ytd only) | 1.4625% | 4,209 |
| Net charge-offs to loans | 0.4949% | 304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.9396% | 2,446 |
| Efficiency ratio | 65.6471% | 2,988 |
| Assets per employee ($millions) | 11.1898% | 250 |
| Cash dividends to net income (ytd only)* | 76.2557% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 3,309 |
| Loan loss allowance to noncurrent loans | 729.7753% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1119% | 4,250 |
| Noncurrent loans to loans | 0.1464% | 4,076 |
| Net loans and leases to total assets | 56.5659% | 4,019 |
| Net loans and leases to deposits | 78.0341% | 3,054 |
| Net loans and leases to core deposits | 84.8386% | 2,960 |
| Total domestic deposits to total assets | 72.4887% | 5,022 |
| Equity capital to assets | 13.6567% | 1,152 |
| Core capital (leverage) ratio | 13.9338% | 974 |
| Tier 1 risk-based capital ratio | 24.1622% | 829 |
| Total risk-based capital ratio | 25.2191% | 825 |
| Memoranda: | ||
| Average total assets | $212,082,000 | 2,792 |
| Average earning assets | $203,194,000 | 2,733 |
| Average equity | $28,443,500 | 2,488 |
| Average total loans | $120,437,000 | 3,015 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9917% | 4,055 |
| Cost of funding earning assets | 1.2116% | 324 |
| Net interest margin | 2.7802% | 5,036 |
| Noninterest income to average assets | 0.2085% | 4,666 |
| Noninterest expense to average assets | 1.4785% | 5,236 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3810% | 1,494 |
| Return on assets (ROA) | 1.4041% | 1,407 |
| Pretax return on assets | 1.4177% | 2,077 |
| Return on Equity (ROE) | 10.9261% | 2,113 |
| Retained earnings to average equity (ytd only) | 10.3967% | 548 |
| Net charge-offs to loans | -0.0017% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4634% | 4,843 |
| Assets per employee ($millions) | 10.5779% | 290 |
| Cash dividends to net income (ytd only)* | 4.8460% | 3,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,498 |
| Loan loss allowance to noncurrent loans | 271.1610% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.2524% | 3,579 |
| Noncurrent loans to loans | 0.4476% | 2,935 |
| Net loans and leases to total assets | 55.7126% | 4,154 |
| Net loans and leases to deposits | 76.7119% | 3,299 |
| Net loans and leases to core deposits | 83.0672% | 3,173 |
| Total domestic deposits to total assets | 72.6258% | 5,035 |
| Equity capital to assets | 13.1652% | 1,272 |
| Core capital (leverage) ratio | 13.8160% | 977 |
| Tier 1 risk-based capital ratio | 24.4479% | 782 |
| Total risk-based capital ratio | 25.6442% | 766 |
| Memoranda: | ||
| Average total assets | $205,749,400 | 2,804 |
| Average earning assets | $197,182,200 | 2,744 |
| Average equity | $26,441,200 | 2,543 |
| Average total loans | $114,438,200 | 3,071 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 4,095 |
| Cost of funding earning assets | 1.1816% | 279 |
| Net interest margin | 2.7634% | 5,119 |
| Noninterest income to average assets | 0.2062% | 4,725 |
| Noninterest expense to average assets | 1.5617% | 5,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2942% | 1,882 |
| Return on assets (ROA) | 1.3255% | 1,769 |
| Pretax return on assets | 1.3255% | 2,525 |
| Return on Equity (ROE) | 10.3798% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.6643% | 1,007 |
| Net charge-offs to loans | -0.0024% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6846% | 4,541 |
| Assets per employee ($millions) | 9.8406% | 351 |
| Cash dividends to net income (ytd only)* | 6.8931% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,512 |
| Loan loss allowance to noncurrent loans | 270.6542% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 3,655 |
| Noncurrent loans to loans | 0.4506% | 3,041 |
| Net loans and leases to total assets | 56.7582% | 4,154 |
| Net loans and leases to deposits | 78.2155% | 3,217 |
| Net loans and leases to core deposits | 82.7620% | 3,271 |
| Total domestic deposits to total assets | 72.5664% | 5,090 |
| Equity capital to assets | 12.7262% | 1,451 |
| Core capital (leverage) ratio | 13.8309% | 987 |
| Tier 1 risk-based capital ratio | 23.8791% | 857 |
| Total risk-based capital ratio | 25.0825% | 840 |
| Memoranda: | ||
| Average total assets | $204,297,500 | 2,840 |
| Average earning assets | $195,892,500 | 2,776 |
| Average equity | $26,088,500 | 2,577 |
| Average total loans | $113,219,750 | 3,120 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8703% | 4,156 |
| Cost of funding earning assets | 1.1496% | 229 |
| Net interest margin | 2.7206% | 5,201 |
| Noninterest income to average assets | 0.2250% | 4,674 |
| Noninterest expense to average assets | 1.5360% | 5,318 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3031% | 1,761 |
| Return on assets (ROA) | 1.3503% | 1,606 |
| Pretax return on assets | 1.3503% | 2,326 |
| Return on Equity (ROE) | 10.5618% | 2,304 |
| Retained earnings to average equity (ytd only) | 9.4856% | 1,075 |
| Net charge-offs to loans | -0.0090% | 4,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1018% | 4,680 |
| Assets per employee ($millions) | 9.7398% | 345 |
| Cash dividends to net income (ytd only)* | 10.1892% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 2,486 |
| Loan loss allowance to noncurrent loans | 202.3710% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 3,349 |
| Noncurrent loans to loans | 0.6126% | 2,579 |
| Net loans and leases to total assets | 56.5103% | 4,118 |
| Net loans and leases to deposits | 78.4184% | 3,115 |
| Net loans and leases to core deposits | 83.0363% | 3,159 |
| Total domestic deposits to total assets | 72.0626% | 5,179 |
| Equity capital to assets | 12.7513% | 1,420 |
| Core capital (leverage) ratio | 13.6236% | 1,025 |
| Tier 1 risk-based capital ratio | 23.7241% | 863 |
| Total risk-based capital ratio | 24.9501% | 835 |
| Memoranda: | ||
| Average total assets | $203,512,670 | 2,870 |
| Average earning assets | $195,541,670 | 2,795 |
| Average equity | $26,018,330 | 2,586 |
| Average total loans | $111,379,670 | 3,155 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7956% | 4,232 |
| Cost of funding earning assets | 1.1210% | 204 |
| Net interest margin | 2.6745% | 5,271 |
| Noninterest income to average assets | 0.2286% | 4,639 |
| Noninterest expense to average assets | 1.5606% | 5,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2394% | 1,850 |
| Return on assets (ROA) | 1.2394% | 1,859 |
| Pretax return on assets | 1.2394% | 2,599 |
| Return on Equity (ROE) | 9.6818% | 2,595 |
| Retained earnings to average equity (ytd only) | 7.5268% | 2,036 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7354% | 4,619 |
| Assets per employee ($millions) | 9.7415% | 352 |
| Cash dividends to net income (ytd only)* | 22.2576% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,271 |
| Loan loss allowance to noncurrent loans | 264.8352% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.2962% | 3,667 |
| Noncurrent loans to loans | 0.4888% | 3,056 |
| Net loans and leases to total assets | 53.8991% | 4,292 |
| Net loans and leases to deposits | 73.5693% | 3,462 |
| Net loans and leases to core deposits | 78.0887% | 3,487 |
| Total domestic deposits to total assets | 73.2631% | 5,208 |
| Equity capital to assets | 12.5282% | 1,469 |
| Core capital (leverage) ratio | 13.3823% | 1,045 |
| Tier 1 risk-based capital ratio | 24.0131% | 838 |
| Total risk-based capital ratio | 25.2634% | 815 |
| Memoranda: | ||
| Average total assets | $203,001,000 | 2,907 |
| Average earning assets | $195,175,000 | 2,827 |
| Average equity | $25,987,000 | 2,617 |
| Average total loans | $108,552,000 | 3,219 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,021 |
| Cost of funding earning assets | 1.1348% | 107 |
| Net interest margin | 2.6740% | 5,296 |
| Noninterest income to average assets | 0.2902% | 4,388 |
| Noninterest expense to average assets | 1.4934% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3346% | 1,152 |
| Return on assets (ROA) | 1.3938% | 1,054 |
| Pretax return on assets | 1.4084% | 1,961 |
| Return on Equity (ROE) | 10.8749% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.1127% | 490 |
| Net charge-offs to loans | -0.0085% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5487% | 5,070 |
| Assets per employee ($millions) | 10.0716% | 309 |
| Cash dividends to net income (ytd only)* | 16.2035% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 1,872 |
| Loan loss allowance to noncurrent loans | 431.6418% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 4,024 |
| Noncurrent loans to loans | 0.3178% | 3,640 |
| Net loans and leases to total assets | 51.6058% | 4,545 |
| Net loans and leases to deposits | 69.8495% | 3,890 |
| Net loans and leases to core deposits | 73.8711% | 3,888 |
| Total domestic deposits to total assets | 73.8814% | 5,193 |
| Equity capital to assets | 13.0789% | 1,223 |
| Core capital (leverage) ratio | 13.1429% | 1,098 |
| Tier 1 risk-based capital ratio | 24.9065% | 733 |
| Total risk-based capital ratio | 26.1573% | 713 |
| Memoranda: | ||
| Average total assets | $198,806,600 | 2,933 |
| Average earning assets | $189,717,000 | 2,868 |
| Average equity | $25,480,800 | 2,641 |
| Average total loans | $105,557,400 | 3,256 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 3,995 |
| Cost of funding earning assets | 1.1368% | 96 |
| Net interest margin | 2.6685% | 5,355 |
| Noninterest income to average assets | 0.3088% | 4,315 |
| Noninterest expense to average assets | 1.5012% | 5,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3491% | 1,202 |
| Return on assets (ROA) | 1.4292% | 1,048 |
| Pretax return on assets | 1.4292% | 2,017 |
| Return on Equity (ROE) | 11.2090% | 1,605 |
| Retained earnings to average equity (ytd only) | 8.8395% | 898 |
| Net charge-offs to loans | -0.0139% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6676% | 5,049 |
| Assets per employee ($millions) | 9.6122% | 358 |
| Cash dividends to net income (ytd only)* | 21.1393% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,030 |
| Loan loss allowance to noncurrent loans | 526.5455% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,568 |
| Noncurrent loans to loans | 0.2599% | 4,031 |
| Net loans and leases to total assets | 51.7037% | 4,590 |
| Net loans and leases to deposits | 69.6277% | 3,989 |
| Net loans and leases to core deposits | 73.7435% | 3,998 |
| Total domestic deposits to total assets | 74.2574% | 5,213 |
| Equity capital to assets | 13.1039% | 1,335 |
| Core capital (leverage) ratio | 13.0765% | 1,182 |
| Tier 1 risk-based capital ratio | 24.1855% | 830 |
| Total risk-based capital ratio | 25.4365% | 812 |
| Memoranda: | ||
| Average total assets | $198,150,500 | 2,966 |
| Average earning assets | $188,714,000 | 2,908 |
| Average equity | $25,264,750 | 2,684 |
| Average total loans | $105,597,750 | 3,278 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,866 |
| Cost of funding earning assets | 1.1311% | 87 |
| Net interest margin | 2.6756% | 5,386 |
| Noninterest income to average assets | 0.2935% | 4,444 |
| Noninterest expense to average assets | 1.5052% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3447% | 1,186 |
| Return on assets (ROA) | 1.4656% | 948 |
| Pretax return on assets | 1.4656% | 1,779 |
| Return on Equity (ROE) | 11.6047% | 1,423 |
| Retained earnings to average equity (ytd only) | 9.3690% | 740 |
| Net charge-offs to loans | 0.0019% | 3,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,324.0000% | 48 |
| Efficiency ratio | 52.8154% | 5,107 |
| Assets per employee ($millions) | 9.8505% | 316 |
| Cash dividends to net income (ytd only)* | 19.2654% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 2,143 |
| Loan loss allowance to noncurrent loans | 728.9340% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,795 |
| Noncurrent loans to loans | 0.1860% | 4,373 |
| Net loans and leases to total assets | 53.0301% | 4,483 |
| Net loans and leases to deposits | 73.3449% | 3,615 |
| Net loans and leases to core deposits | 78.5070% | 3,553 |
| Total domestic deposits to total assets | 72.3023% | 5,434 |
| Equity capital to assets | 13.2304% | 1,262 |
| Core capital (leverage) ratio | 13.0106% | 1,172 |
| Tier 1 risk-based capital ratio | 23.6816% | 885 |
| Total risk-based capital ratio | 24.9327% | 869 |
| Memoranda: | ||
| Average total assets | $196,915,330 | 2,993 |
| Average earning assets | $188,142,330 | 2,932 |
| Average equity | $24,869,330 | 2,715 |
| Average total loans | $105,525,330 | 3,289 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7668% | 3,881 |
| Cost of funding earning assets | 1.1277% | 81 |
| Net interest margin | 2.6391% | 5,443 |
| Noninterest income to average assets | 0.2235% | 4,932 |
| Noninterest expense to average assets | 1.5279% | 5,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2252% | 1,442 |
| Return on assets (ROA) | 1.3938% | 1,041 |
| Pretax return on assets | 1.3938% | 1,910 |
| Return on Equity (ROE) | 11.3054% | 1,461 |
| Retained earnings to average equity (ytd only) | 10.8934% | 627 |
| Net charge-offs to loans | -0.0114% | 4,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4982% | 4,992 |
| Assets per employee ($millions) | 9.8594% | 320 |
| Cash dividends to net income (ytd only)* | 3.6443% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 2,244 |
| Loan loss allowance to noncurrent loans | 1,734.9398% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 5,138 |
| Noncurrent loans to loans | 0.0786% | 4,881 |
| Net loans and leases to total assets | 52.8483% | 4,439 |
| Net loans and leases to deposits | 70.9085% | 3,703 |
| Net loans and leases to core deposits | 75.8111% | 3,671 |
| Total domestic deposits to total assets | 74.5303% | 5,374 |
| Equity capital to assets | 12.5252% | 1,509 |
| Core capital (leverage) ratio | 12.8193% | 1,209 |
| Tier 1 risk-based capital ratio | 23.2379% | 944 |
| Total risk-based capital ratio | 24.4892% | 934 |
| Memoranda: | ||
| Average total assets | $196,868,500 | 3,026 |
| Average earning assets | $188,702,000 | 2,956 |
| Average equity | $24,271,500 | 2,767 |
| Average total loans | $105,333,000 | 3,310 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8695% | 3,680 |
| Cost of funding earning assets | 1.1419% | 69 |
| Net interest margin | 2.7276% | 5,389 |
| Noninterest income to average assets | 0.1456% | 5,468 |
| Noninterest expense to average assets | 1.7720% | 5,499 |
| Loan and lease loss provision to assets | 0.6723% | 189 |
| Net operating income to assets | 0.2994% | 5,222 |
| Return on assets (ROA) | 0.3434% | 5,181 |
| Pretax return on assets | 0.3434% | 5,311 |
| Return on Equity (ROE) | 2.6012% | 5,267 |
| Retained earnings to average equity (ytd only) | 1.6164% | 4,609 |
| Net charge-offs to loans | 0.9920% | 188 |
| Credit loss provision to net charge-offs | 123.8550% | 2,158 |
| Earnings coverage of net charge-offs (x) | 1.7901% | 3,941 |
| Efficiency ratio | 64.5837% | 3,836 |
| Assets per employee ($millions) | 9.8275% | 322 |
| Cash dividends to net income (ytd only)* | 37.8582% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3684% | 2,226 |
| Loan loss allowance to noncurrent loans | 1,690.5882% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0432% | 5,179 |
| Noncurrent loans to loans | 0.0809% | 4,915 |
| Net loans and leases to total assets | 52.6985% | 4,555 |
| Net loans and leases to deposits | 70.5843% | 3,847 |
| Net loans and leases to core deposits | 75.4559% | 3,797 |
| Total domestic deposits to total assets | 74.6604% | 5,384 |
| Equity capital to assets | 12.1318% | 1,720 |
| Core capital (leverage) ratio | 12.3614% | 1,398 |
| Tier 1 risk-based capital ratio | 22.8105% | 984 |
| Total risk-based capital ratio | 24.0612% | 968 |
| Memoranda: | ||
| Average total assets | $193,055,200 | 3,034 |
| Average earning assets | $183,897,600 | 2,973 |
| Average equity | $25,488,400 | 2,678 |
| Average total loans | $105,646,200 | 3,278 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 3,625 |
| Cost of funding earning assets | 1.1335% | 73 |
| Net interest margin | 2.7553% | 5,426 |
| Noninterest income to average assets | 0.2310% | 5,091 |
| Noninterest expense to average assets | 1.7941% | 5,524 |
| Loan and lease loss provision to assets | 0.4843% | 264 |
| Net operating income to assets | 0.5717% | 4,406 |
| Return on assets (ROA) | 0.6306% | 4,286 |
| Pretax return on assets | 0.6306% | 4,801 |
| Return on Equity (ROE) | 4.6796% | 4,653 |
| Retained earnings to average equity (ytd only) | 3.3874% | 3,872 |
| Net charge-offs to loans | 0.4108% | 525 |
| Credit loss provision to net charge-offs | 214.1104% | 1,371 |
| Earnings coverage of net charge-offs (x) | 4.6687% | 3,240 |
| Efficiency ratio | 62.9503% | 4,081 |
| Assets per employee ($millions) | 9.4945% | 350 |
| Cash dividends to net income (ytd only)* | 27.6129% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 1,868 |
| Loan loss allowance to noncurrent loans | 100.1285% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 0.8611% | 2,400 |
| Noncurrent loans to loans | 1.4716% | 1,468 |
| Net loans and leases to total assets | 52.2828% | 4,636 |
| Net loans and leases to deposits | 70.7055% | 3,912 |
| Net loans and leases to core deposits | 75.8635% | 3,854 |
| Total domestic deposits to total assets | 73.9444% | 5,438 |
| Equity capital to assets | 13.2783% | 1,356 |
| Core capital (leverage) ratio | 12.7987% | 1,270 |
| Tier 1 risk-based capital ratio | 22.9564% | 1,007 |
| Total risk-based capital ratio | 24.2092% | 995 |
| Memoranda: | ||
| Average total assets | $192,181,500 | 3,051 |
| Average earning assets | $182,673,750 | 3,003 |
| Average equity | $25,899,250 | 2,670 |
| Average total loans | $105,803,750 | 3,290 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 3,621 |
| Cost of funding earning assets | 1.1231% | 79 |
| Net interest margin | 2.7735% | 5,475 |
| Noninterest income to average assets | 0.2329% | 5,089 |
| Noninterest expense to average assets | 1.8274% | 5,564 |
| Loan and lease loss provision to assets | 0.7356% | 148 |
| Net operating income to assets | 0.3246% | 5,252 |
| Return on assets (ROA) | 0.4142% | 5,076 |
| Pretax return on assets | 0.4142% | 5,321 |
| Return on Equity (ROE) | 3.0575% | 5,237 |
| Retained earnings to average equity (ytd only) | 1.1047% | 4,941 |
| Net charge-offs to loans | 1.0453% | 169 |
| Credit loss provision to net charge-offs | 126.2206% | 1,793 |
| Earnings coverage of net charge-offs (x) | 1.8192% | 3,363 |
| Efficiency ratio | 63.2847% | 4,141 |
| Assets per employee ($millions) | 9.0226% | 382 |
| Cash dividends to net income (ytd only)* | 63.8677% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 3,062 |
| Loan loss allowance to noncurrent loans | 94.4681% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0154% | 2,112 |
| Noncurrent loans to loans | 1.3244% | 1,702 |
| Net loans and leases to total assets | 55.4852% | 4,362 |
| Net loans and leases to deposits | 76.1100% | 3,371 |
| Net loans and leases to core deposits | 81.5359% | 3,313 |
| Total domestic deposits to total assets | 72.9013% | 5,608 |
| Equity capital to assets | 13.8077% | 1,090 |
| Core capital (leverage) ratio | 12.8503% | 1,215 |
| Tier 1 risk-based capital ratio | 22.6094% | 1,064 |
| Total risk-based capital ratio | 23.8508% | 1,048 |
| Memoranda: | ||
| Average total assets | $189,780,330 | 3,091 |
| Average earning assets | $181,646,000 | 3,026 |
| Average equity | $25,707,330 | 2,691 |
| Average total loans | $105,804,000 | 3,310 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9079% | 3,560 |
| Cost of funding earning assets | 1.1238% | 83 |
| Net interest margin | 2.7842% | 5,495 |
| Noninterest income to average assets | 0.2317% | 5,085 |
| Noninterest expense to average assets | 1.7269% | 5,728 |
| Loan and lease loss provision to assets | 0.8382% | 122 |
| Net operating income to assets | 0.3327% | 5,202 |
| Return on assets (ROA) | 0.4928% | 4,760 |
| Pretax return on assets | 0.4928% | 5,101 |
| Return on Equity (ROE) | 3.6735% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.0989% | 4,802 |
| Net charge-offs to loans | 1.6307% | 102 |
| Credit loss provision to net charge-offs | 92.5581% | 1,742 |
| Earnings coverage of net charge-offs (x) | 1.2930% | 2,837 |
| Efficiency ratio | 59.5930% | 4,798 |
| Assets per employee ($millions) | 9.0115% | 386 |
| Cash dividends to net income (ytd only)* | 70.0855% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 4,082 |
| Loan loss allowance to noncurrent loans | 81.1665% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 2,158 |
| Noncurrent loans to loans | 1.3494% | 1,768 |
| Net loans and leases to total assets | 55.1149% | 4,346 |
| Net loans and leases to deposits | 75.3264% | 3,297 |
| Net loans and leases to core deposits | 80.5499% | 3,279 |
| Total domestic deposits to total assets | 73.1681% | 5,684 |
| Equity capital to assets | 13.5246% | 1,176 |
| Core capital (leverage) ratio | 12.6872% | 1,275 |
| Tier 1 risk-based capital ratio | 22.8898% | 1,023 |
| Total risk-based capital ratio | 23.9829% | 1,023 |
| Memoranda: | ||
| Average total assets | $189,933,500 | 3,090 |
| Average earning assets | $181,886,000 | 3,026 |
| Average equity | $25,480,000 | 2,707 |
| Average total loans | $105,475,000 | 3,327 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 3,229 |
| Cost of funding earning assets | 1.1021% | 98 |
| Net interest margin | 2.9198% | 5,298 |
| Noninterest income to average assets | 0.2298% | 5,218 |
| Noninterest expense to average assets | 1.5637% | 5,941 |
| Loan and lease loss provision to assets | 0.5469% | 206 |
| Net operating income to assets | 0.8938% | 2,906 |
| Return on assets (ROA) | 0.9984% | 2,468 |
| Pretax return on assets | 1.0114% | 3,420 |
| Return on Equity (ROE) | 7.4699% | 3,264 |
| Retained earnings to average equity (ytd only) | 4.3100% | 2,911 |
| Net charge-offs to loans | 0.6659% | 360 |
| Credit loss provision to net charge-offs | 148.2456% | 1,793 |
| Earnings coverage of net charge-offs (x) | 3.9371% | 3,635 |
| Efficiency ratio | 51.8419% | 5,642 |
| Assets per employee ($millions) | 10.0329% | 274 |
| Cash dividends to net income (ytd only)* | 42.3015% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,898 |
| Loan loss allowance to noncurrent loans | 101.2799% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.6148% | 3,222 |
| Noncurrent loans to loans | 1.1110% | 2,117 |
| Net loans and leases to total assets | 54.7187% | 4,427 |
| Net loans and leases to deposits | 74.8387% | 3,396 |
| Net loans and leases to core deposits | 79.6962% | 3,381 |
| Total domestic deposits to total assets | 73.1154% | 5,712 |
| Equity capital to assets | 13.3067% | 1,207 |
| Core capital (leverage) ratio | 12.5426% | 1,327 |
| Tier 1 risk-based capital ratio | 22.7519% | 1,046 |
| Total risk-based capital ratio | 23.8717% | 1,048 |
| Memoranda: | ||
| Average total assets | $185,392,000 | 3,112 |
| Average earning assets | $176,929,800 | 3,030 |
| Average equity | $24,779,400 | 2,711 |
| Average total loans | $102,712,000 | 3,341 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,239 |
| Cost of funding earning assets | 1.0947% | 106 |
| Net interest margin | 2.9301% | 5,356 |
| Noninterest income to average assets | 0.2354% | 5,245 |
| Noninterest expense to average assets | 1.5536% | 6,008 |
| Loan and lease loss provision to assets | 0.4346% | 259 |
| Net operating income to assets | 1.0408% | 2,269 |
| Return on assets (ROA) | 1.0828% | 2,172 |
| Pretax return on assets | 1.0828% | 3,300 |
| Return on Equity (ROE) | 8.0920% | 3,029 |
| Retained earnings to average equity (ytd only) | 3.8539% | 3,728 |
| Net charge-offs to loans | 0.3320% | 792 |
| Credit loss provision to net charge-offs | 236.2205% | 1,186 |
| Earnings coverage of net charge-offs (x) | 8.0196% | 2,851 |
| Efficiency ratio | 51.2912% | 5,698 |
| Assets per employee ($millions) | 9.5533% | 313 |
| Cash dividends to net income (ytd only)* | 52.3745% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 3,981 |
| Loan loss allowance to noncurrent loans | 64.9217% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9698% | 2,425 |
| Noncurrent loans to loans | 1.7603% | 1,353 |
| Net loans and leases to total assets | 54.4644% | 4,518 |
| Net loans and leases to deposits | 73.1550% | 3,632 |
| Net loans and leases to core deposits | 77.7925% | 3,628 |
| Total domestic deposits to total assets | 74.4507% | 5,669 |
| Equity capital to assets | 13.0410% | 1,420 |
| Core capital (leverage) ratio | 12.3932% | 1,469 |
| Tier 1 risk-based capital ratio | 22.2163% | 1,160 |
| Total risk-based capital ratio | 23.3411% | 1,161 |
| Memoranda: | ||
| Average total assets | $184,083,500 | 3,150 |
| Average earning assets | $175,505,500 | 3,071 |
| Average equity | $24,632,750 | 2,745 |
| Average total loans | $102,016,250 | 3,386 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,055 |
| Cost of funding earning assets | 1.0806% | 111 |
| Net interest margin | 2.9743% | 5,279 |
| Noninterest income to average assets | 0.2286% | 5,330 |
| Noninterest expense to average assets | 1.5884% | 6,056 |
| Loan and lease loss provision to assets | 0.1264% | 1,754 |
| Net operating income to assets | 1.3488% | 1,194 |
| Return on assets (ROA) | 1.4125% | 1,097 |
| Pretax return on assets | 1.4125% | 1,922 |
| Return on Equity (ROE) | 10.3931% | 1,898 |
| Retained earnings to average equity (ytd only) | 5.1844% | 2,738 |
| Net charge-offs to loans | 0.0198% | 3,288 |
| Credit loss provision to net charge-offs | 1,150.0000% | 311 |
| Earnings coverage of net charge-offs (x) | 134.2000% | 474 |
| Efficiency ratio | 51.8479% | 5,727 |
| Assets per employee ($millions) | 9.3987% | 325 |
| Cash dividends to net income (ytd only)* | 50.1167% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 5,233 |
| Loan loss allowance to noncurrent loans | 54.7213% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9352% | 2,664 |
| Noncurrent loans to loans | 1.6758% | 1,554 |
| Net loans and leases to total assets | 55.2965% | 4,410 |
| Net loans and leases to deposits | 75.0865% | 3,379 |
| Net loans and leases to core deposits | 80.2574% | 3,366 |
| Total domestic deposits to total assets | 73.6437% | 5,823 |
| Equity capital to assets | 13.0917% | 1,352 |
| Core capital (leverage) ratio | 12.7972% | 1,254 |
| Tier 1 risk-based capital ratio | 22.2131% | 1,172 |
| Total risk-based capital ratio | 23.1151% | 1,210 |
| Memoranda: | ||
| Average total assets | $181,946,000 | 3,194 |
| Average earning assets | $173,418,330 | 3,115 |
| Average equity | $24,728,000 | 2,746 |
| Average total loans | $100,933,000 | 3,423 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 2,979 |
| Cost of funding earning assets | 1.0680% | 123 |
| Net interest margin | 2.9955% | 5,228 |
| Noninterest income to average assets | 0.2235% | 5,358 |
| Noninterest expense to average assets | 1.5380% | 6,154 |
| Loan and lease loss provision to assets | 0.2571% | 633 |
| Net operating income to assets | 1.2876% | 1,314 |
| Return on assets (ROA) | 1.4195% | 1,050 |
| Pretax return on assets | 1.4195% | 1,815 |
| Return on Equity (ROE) | 10.2471% | 1,892 |
| Retained earnings to average equity (ytd only) | 6.3419% | 2,315 |
| Net charge-offs to loans | 0.0243% | 2,678 |
| Credit loss provision to net charge-offs | 1,916.6667% | 208 |
| Earnings coverage of net charge-offs (x) | 115.1667% | 436 |
| Efficiency ratio | 49.8912% | 5,921 |
| Assets per employee ($millions) | 9.5264% | 298 |
| Cash dividends to net income (ytd only)* | 38.1102% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 5,243 |
| Loan loss allowance to noncurrent loans | 66.0287% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 3,090 |
| Noncurrent loans to loans | 1.4417% | 1,980 |
| Net loans and leases to total assets | 55.5317% | 4,258 |
| Net loans and leases to deposits | 76.8595% | 2,952 |
| Net loans and leases to core deposits | 81.4134% | 3,016 |
| Total domestic deposits to total assets | 72.2510% | 6,031 |
| Equity capital to assets | 13.8480% | 1,035 |
| Core capital (leverage) ratio | 13.2236% | 1,080 |
| Tier 1 risk-based capital ratio | 22.9275% | 1,113 |
| Total risk-based capital ratio | 23.8723% | 1,141 |
| Memoranda: | ||
| Average total assets | $178,932,000 | 3,252 |
| Average earning assets | $170,789,500 | 3,169 |
| Average equity | $24,787,500 | 2,766 |
| Average total loans | $98,947,000 | 3,476 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 3,444 |
| Cost of funding earning assets | 1.0654% | 169 |
| Net interest margin | 3.0023% | 5,445 |
| Noninterest income to average assets | 0.2732% | 5,168 |
| Noninterest expense to average assets | 1.6394% | 6,205 |
| Loan and lease loss provision to assets | 0.1202% | 2,173 |
| Net operating income to assets | 1.3481% | 1,191 |
| Return on assets (ROA) | 1.4143% | 1,082 |
| Pretax return on assets | 1.4307% | 1,782 |
| Return on Equity (ROE) | 10.5249% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.5141% | 1,188 |
| Net charge-offs to loans | 0.1557% | 2,477 |
| Credit loss provision to net charge-offs | 142.3611% | 1,673 |
| Earnings coverage of net charge-offs (x) | 17.5764% | 1,917 |
| Efficiency ratio | 52.4873% | 5,952 |
| Assets per employee ($millions) | 8.8432% | 370 |
| Cash dividends to net income (ytd only)* | 28.6070% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 5,510 |
| Loan loss allowance to noncurrent loans | 47.8771% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.0121% | 2,727 |
| Noncurrent loans to loans | 1.8566% | 1,531 |
| Net loans and leases to total assets | 54.0294% | 4,580 |
| Net loans and leases to deposits | 72.6771% | 3,599 |
| Net loans and leases to core deposits | 76.7731% | 3,628 |
| Total domestic deposits to total assets | 74.3417% | 5,917 |
| Equity capital to assets | 13.8582% | 1,011 |
| Core capital (leverage) ratio | 13.1000% | 1,096 |
| Tier 1 risk-based capital ratio | 23.1072% | 1,074 |
| Total risk-based capital ratio | 23.9664% | 1,103 |
| Memoranda: | ||
| Average total assets | $170,546,000 | 3,330 |
| Average earning assets | $161,907,800 | 3,253 |
| Average equity | $22,917,000 | 2,857 |
| Average total loans | $92,511,800 | 3,572 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0865% | 3,433 |
| Cost of funding earning assets | 1.0541% | 185 |
| Net interest margin | 3.0324% | 5,432 |
| Noninterest income to average assets | 0.2738% | 5,249 |
| Noninterest expense to average assets | 1.6776% | 6,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4677% | 991 |
| Return on assets (ROA) | 1.5474% | 883 |
| Pretax return on assets | 1.5474% | 1,492 |
| Return on Equity (ROE) | 11.6108% | 1,592 |
| Retained earnings to average equity (ytd only) | 7.5254% | 1,571 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3367% | 5,889 |
| Assets per employee ($millions) | 8.4186% | 439 |
| Cash dividends to net income (ytd only)* | 35.1863% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 5,767 |
| Loan loss allowance to noncurrent loans | 38.9052% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 2,632 |
| Noncurrent loans to loans | 2.1663% | 1,414 |
| Net loans and leases to total assets | 52.9730% | 4,700 |
| Net loans and leases to deposits | 70.5644% | 3,852 |
| Net loans and leases to core deposits | 73.6881% | 3,976 |
| Total domestic deposits to total assets | 75.0704% | 5,916 |
| Equity capital to assets | 13.5285% | 1,172 |
| Core capital (leverage) ratio | 13.1894% | 1,104 |
| Tier 1 risk-based capital ratio | 22.8725% | 1,136 |
| Total risk-based capital ratio | 23.6781% | 1,183 |
| Memoranda: | ||
| Average total assets | $168,966,750 | 3,382 |
| Average earning assets | $160,002,750 | 3,304 |
| Average equity | $22,518,750 | 2,901 |
| Average total loans | $91,536,000 | 3,628 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 3,425 |
| Cost of funding earning assets | 1.0493% | 197 |
| Net interest margin | 3.0311% | 5,444 |
| Noninterest income to average assets | 0.2717% | 5,259 |
| Noninterest expense to average assets | 1.7108% | 6,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4330% | 993 |
| Return on assets (ROA) | 1.5545% | 821 |
| Pretax return on assets | 1.5545% | 1,383 |
| Return on Equity (ROE) | 11.7265% | 1,511 |
| Retained earnings to average equity (ytd only) | 6.7293% | 1,910 |
| Net charge-offs to loans | 0.0022% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1,192.0000% | 46 |
| Efficiency ratio | 54.4168% | 5,874 |
| Assets per employee ($millions) | 8.4586% | 407 |
| Cash dividends to net income (ytd only)* | 42.6141% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 5,864 |
| Loan loss allowance to noncurrent loans | 34.3858% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 2,394 |
| Noncurrent loans to loans | 2.4856% | 1,252 |
| Net loans and leases to total assets | 54.5137% | 4,481 |
| Net loans and leases to deposits | 73.6374% | 3,368 |
| Net loans and leases to core deposits | 77.1016% | 3,529 |
| Total domestic deposits to total assets | 74.0300% | 6,111 |
| Equity capital to assets | 13.6961% | 1,086 |
| Core capital (leverage) ratio | 13.2196% | 1,078 |
| Tier 1 risk-based capital ratio | 22.9859% | 1,111 |
| Total risk-based capital ratio | 23.8139% | 1,162 |
| Memoranda: | ||
| Average total assets | $166,359,000 | 3,431 |
| Average earning assets | $157,633,670 | 3,355 |
| Average equity | $22,052,670 | 2,942 |
| Average total loans | $90,565,670 | 3,668 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1021% | 3,273 |
| Cost of funding earning assets | 1.0524% | 206 |
| Net interest margin | 3.0497% | 5,386 |
| Noninterest income to average assets | 0.2643% | 5,249 |
| Noninterest expense to average assets | 1.7144% | 6,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4380% | 920 |
| Return on assets (ROA) | 1.5932% | 701 |
| Pretax return on assets | 1.5932% | 1,186 |
| Return on Equity (ROE) | 12.2267% | 1,366 |
| Retained earnings to average equity (ytd only) | 7.6114% | 1,764 |
| Net charge-offs to loans | -0.0090% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3846% | 5,983 |
| Assets per employee ($millions) | 8.7256% | 366 |
| Cash dividends to net income (ytd only)* | 37.7473% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 5,896 |
| Loan loss allowance to noncurrent loans | 29.7650% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 1.6171% | 2,180 |
| Noncurrent loans to loans | 2.9850% | 1,060 |
| Net loans and leases to total assets | 53.6951% | 4,463 |
| Net loans and leases to deposits | 71.3425% | 3,429 |
| Net loans and leases to core deposits | 74.6378% | 3,575 |
| Total domestic deposits to total assets | 75.2639% | 6,133 |
| Equity capital to assets | 13.2689% | 1,183 |
| Core capital (leverage) ratio | 13.2475% | 1,071 |
| Tier 1 risk-based capital ratio | 23.3231% | 1,097 |
| Total risk-based capital ratio | 24.1794% | 1,141 |
| Memoranda: | ||
| Average total assets | $164,952,500 | 3,484 |
| Average earning assets | $156,214,000 | 3,401 |
| Average equity | $21,494,000 | 2,996 |
| Average total loans | $89,340,000 | 3,709 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 4,249 |
| Cost of funding earning assets | 1.0948% | 296 |
| Net interest margin | 2.8631% | 5,877 |
| Noninterest income to average assets | 0.2675% | 5,432 |
| Noninterest expense to average assets | 1.5950% | 6,519 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3683% | 1,094 |
| Return on assets (ROA) | 1.3683% | 1,136 |
| Pretax return on assets | 1.3850% | 1,845 |
| Return on Equity (ROE) | 10.5052% | 1,924 |
| Retained earnings to average equity (ytd only) | 7.2137% | 1,354 |
| Net charge-offs to loans | 0.0070% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 373.6667% | 115 |
| Efficiency ratio | 53.5240% | 6,176 |
| Assets per employee ($millions) | 8.6378% | 377 |
| Cash dividends to net income (ytd only)* | 31.3318% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 5,946 |
| Loan loss allowance to noncurrent loans | 47.2684% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.0261% | 3,378 |
| Noncurrent loans to loans | 1.8951% | 2,122 |
| Net loans and leases to total assets | 53.6605% | 4,630 |
| Net loans and leases to deposits | 70.7263% | 3,690 |
| Net loans and leases to core deposits | 73.9437% | 3,846 |
| Total domestic deposits to total assets | 75.8706% | 6,109 |
| Equity capital to assets | 12.7895% | 1,373 |
| Core capital (leverage) ratio | 13.1152% | 1,101 |
| Tier 1 risk-based capital ratio | 23.0893% | 1,081 |
| Total risk-based capital ratio | 23.9511% | 1,122 |
| Memoranda: | ||
| Average total assets | $161,880,200 | 3,530 |
| Average earning assets | $153,364,800 | 3,449 |
| Average equity | $21,084,800 | 3,026 |
| Average total loans | $85,911,000 | 3,780 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9221% | 4,420 |
| Cost of funding earning assets | 1.0962% | 318 |
| Net interest margin | 2.8259% | 5,970 |
| Noninterest income to average assets | 0.2612% | 5,578 |
| Noninterest expense to average assets | 1.5984% | 6,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3389% | 1,249 |
| Return on assets (ROA) | 1.3389% | 1,296 |
| Pretax return on assets | 1.3389% | 2,173 |
| Return on Equity (ROE) | 10.2326% | 2,088 |
| Retained earnings to average equity (ytd only) | 5.8490% | 2,513 |
| Net charge-offs to loans | 0.0157% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 162.0368% | 347 |
| Efficiency ratio | 54.4176% | 6,068 |
| Assets per employee ($millions) | 8.1306% | 442 |
| Cash dividends to net income (ytd only)* | 42.8394% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 6,053 |
| Loan loss allowance to noncurrent loans | 39.6000% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 3,180 |
| Noncurrent loans to loans | 2.2709% | 1,932 |
| Net loans and leases to total assets | 53.6725% | 4,668 |
| Net loans and leases to deposits | 69.9074% | 3,800 |
| Net loans and leases to core deposits | 73.4379% | 3,914 |
| Total domestic deposits to total assets | 76.7766% | 6,076 |
| Equity capital to assets | 12.4474% | 1,615 |
| Core capital (leverage) ratio | 12.8836% | 1,250 |
| Tier 1 risk-based capital ratio | 22.6336% | 1,207 |
| Total risk-based capital ratio | 23.4983% | 1,249 |
| Memoranda: | ||
| Average total assets | $161,320,500 | 3,577 |
| Average earning assets | $152,772,000 | 3,487 |
| Average equity | $21,108,500 | 3,065 |
| Average total loans | $85,173,000 | 3,833 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9295% | 4,355 |
| Cost of funding earning assets | 1.0985% | 342 |
| Net interest margin | 2.8309% | 5,942 |
| Noninterest income to average assets | 0.2660% | 5,547 |
| Noninterest expense to average assets | 1.5874% | 6,597 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3599% | 1,168 |
| Return on assets (ROA) | 1.3599% | 1,253 |
| Pretax return on assets | 1.3599% | 2,084 |
| Return on Equity (ROE) | 10.2254% | 2,119 |
| Retained earnings to average equity (ytd only) | 5.0379% | 3,033 |
| Net charge-offs to loans | 0.0119% | 4,631 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 218.8000% | 239 |
| Efficiency ratio | 53.8591% | 6,156 |
| Assets per employee ($millions) | 8.4453% | 388 |
| Cash dividends to net income (ytd only)* | 50.7313% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 6,047 |
| Loan loss allowance to noncurrent loans | 42.0580% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 3,390 |
| Noncurrent loans to loans | 2.2132% | 2,158 |
| Net loans and leases to total assets | 52.8639% | 4,756 |
| Net loans and leases to deposits | 69.5495% | 3,782 |
| Net loans and leases to core deposits | 73.1473% | 3,908 |
| Total domestic deposits to total assets | 76.0091% | 6,244 |
| Equity capital to assets | 12.7670% | 1,433 |
| Core capital (leverage) ratio | 12.7623% | 1,262 |
| Tier 1 risk-based capital ratio | 22.7624% | 1,173 |
| Total risk-based capital ratio | 23.6541% | 1,201 |
| Memoranda: | ||
| Average total assets | $160,890,000 | 3,594 |
| Average earning assets | $152,387,670 | 3,506 |
| Average equity | $21,397,670 | 3,049 |
| Average total loans | $84,207,330 | 3,871 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 4,293 |
| Cost of funding earning assets | 1.1040% | 368 |
| Net interest margin | 2.8479% | 5,920 |
| Noninterest income to average assets | 0.2533% | 5,647 |
| Noninterest expense to average assets | 1.5170% | 6,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4326% | 980 |
| Return on assets (ROA) | 1.4326% | 1,056 |
| Pretax return on assets | 1.4326% | 1,764 |
| Return on Equity (ROE) | 10.5612% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.9487% | 2,703 |
| Net charge-offs to loans | 0.0240% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 115.4000% | 334 |
| Efficiency ratio | 51.4310% | 6,416 |
| Assets per employee ($millions) | 8.5387% | 391 |
| Cash dividends to net income (ytd only)* | 43.6742% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9583% | 6,112 |
| Loan loss allowance to noncurrent loans | 37.5412% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3086% | 3,344 |
| Noncurrent loans to loans | 2.5526% | 2,022 |
| Net loans and leases to total assets | 50.7745% | 4,884 |
| Net loans and leases to deposits | 66.9838% | 3,918 |
| Net loans and leases to core deposits | 70.0769% | 4,072 |
| Total domestic deposits to total assets | 75.8012% | 6,382 |
| Equity capital to assets | 13.4527% | 1,229 |
| Core capital (leverage) ratio | 12.6212% | 1,284 |
| Tier 1 risk-based capital ratio | 22.9629% | 1,166 |
| Total risk-based capital ratio | 23.8721% | 1,201 |
| Memoranda: | ||
| Average total assets | $161,104,500 | 3,626 |
| Average earning assets | $152,532,500 | 3,551 |
| Average equity | $21,853,500 | 3,043 |
| Average total loans | $83,499,500 | 3,913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 4,179 |
| Cost of funding earning assets | 1.2532% | 455 |
| Net interest margin | 3.0493% | 5,932 |
| Noninterest income to average assets | 0.3478% | 4,983 |
| Noninterest expense to average assets | 1.5960% | 6,811 |
| Loan and lease loss provision to assets | 0.0046% | 5,869 |
| Net operating income to assets | 1.6122% | 743 |
| Return on assets (ROA) | 1.7911% | 580 |
| Pretax return on assets | 1.8075% | 907 |
| Return on Equity (ROE) | 13.1213% | 1,197 |
| Retained earnings to average equity (ytd only) | 10.8041% | 460 |
| Net charge-offs to loans | -0.0114% | 6,482 |
| Credit loss provision to net charge-offs | -77.7778% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4521% | 6,627 |
| Assets per employee ($millions) | 8.4197% | 416 |
| Cash dividends to net income (ytd only)* | 17.6600% | 3,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 6,107 |
| Loan loss allowance to noncurrent loans | 27.2604% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 1.8390% | 2,660 |
| Noncurrent loans to loans | 3.5096% | 1,418 |
| Net loans and leases to total assets | 51.8997% | 4,942 |
| Net loans and leases to deposits | 68.0162% | 3,981 |
| Net loans and leases to core deposits | 71.1759% | 4,145 |
| Total domestic deposits to total assets | 76.3049% | 6,321 |
| Equity capital to assets | 13.6785% | 1,162 |
| Core capital (leverage) ratio | 12.6299% | 1,265 |
| Tier 1 risk-based capital ratio | 22.5401% | 1,179 |
| Total risk-based capital ratio | 23.4530% | 1,200 |
| Memoranda: | ||
| Average total assets | $152,695,800 | 3,731 |
| Average earning assets | $144,196,200 | 3,660 |
| Average equity | $20,844,000 | 3,101 |
| Average total loans | $78,648,800 | 4,080 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 4,280 |
| Cost of funding earning assets | 1.2689% | 506 |
| Net interest margin | 3.0750% | 5,996 |
| Noninterest income to average assets | 0.3720% | 4,853 |
| Noninterest expense to average assets | 1.5350% | 6,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7409% | 640 |
| Return on assets (ROA) | 1.7807% | 659 |
| Pretax return on assets | 1.7807% | 1,095 |
| Return on Equity (ROE) | 13.0516% | 1,323 |
| Retained earnings to average equity (ytd only) | 9.9231% | 937 |
| Net charge-offs to loans | -0.0086% | 6,344 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8573% | 6,778 |
| Assets per employee ($millions) | 7.9690% | 485 |
| Cash dividends to net income (ytd only)* | 23.9701% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,188 |
| Loan loss allowance to noncurrent loans | 33.8758% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 3,403 |
| Noncurrent loans to loans | 2.8645% | 1,961 |
| Net loans and leases to total assets | 50.6485% | 5,228 |
| Net loans and leases to deposits | 66.4578% | 4,418 |
| Net loans and leases to core deposits | 69.5522% | 4,554 |
| Total domestic deposits to total assets | 76.2114% | 6,353 |
| Equity capital to assets | 13.6568% | 1,285 |
| Core capital (leverage) ratio | 12.3304% | 1,483 |
| Tier 1 risk-based capital ratio | 21.1717% | 1,486 |
| Total risk-based capital ratio | 22.0493% | 1,538 |
| Memoranda: | ||
| Average total assets | $150,876,250 | 3,804 |
| Average earning assets | $142,480,000 | 3,727 |
| Average equity | $20,584,500 | 3,158 |
| Average total loans | $77,354,000 | 4,153 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 4,198 |
| Cost of funding earning assets | 1.2825% | 567 |
| Net interest margin | 3.1153% | 5,961 |
| Noninterest income to average assets | 0.3485% | 5,050 |
| Noninterest expense to average assets | 1.5874% | 6,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6982% | 674 |
| Return on assets (ROA) | 1.7360% | 708 |
| Pretax return on assets | 1.7360% | 1,167 |
| Return on Equity (ROE) | 12.7287% | 1,435 |
| Retained earnings to average equity (ytd only) | 9.6282% | 1,077 |
| Net charge-offs to loans | -0.0132% | 6,339 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3141% | 6,756 |
| Assets per employee ($millions) | 7.7894% | 516 |
| Cash dividends to net income (ytd only)* | 24.3580% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,172 |
| Loan loss allowance to noncurrent loans | 49.1610% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 4,318 |
| Noncurrent loans to loans | 2.0299% | 2,911 |
| Net loans and leases to total assets | 50.3733% | 5,309 |
| Net loans and leases to deposits | 65.3136% | 4,598 |
| Net loans and leases to core deposits | 68.1496% | 4,769 |
| Total domestic deposits to total assets | 77.1252% | 6,305 |
| Equity capital to assets | 13.3419% | 1,372 |
| Core capital (leverage) ratio | 12.4078% | 1,393 |
| Tier 1 risk-based capital ratio | 20.9127% | 1,499 |
| Total risk-based capital ratio | 21.8057% | 1,543 |
| Memoranda: | ||
| Average total assets | $148,042,000 | 3,872 |
| Average earning assets | $139,568,670 | 3,792 |
| Average equity | $20,190,670 | 3,200 |
| Average total loans | $75,967,330 | 4,226 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 4,073 |
| Cost of funding earning assets | 1.3148% | 593 |
| Net interest margin | 3.1444% | 5,919 |
| Noninterest income to average assets | 0.4411% | 4,364 |
| Noninterest expense to average assets | 1.5815% | 6,992 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8256% | 574 |
| Return on assets (ROA) | 1.8256% | 646 |
| Pretax return on assets | 1.8256% | 1,024 |
| Return on Equity (ROE) | 13.2305% | 1,341 |
| Retained earnings to average equity (ytd only) | 11.6420% | 896 |
| Net charge-offs to loans | -0.0215% | 6,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4169% | 6,877 |
| Assets per employee ($millions) | 7.7235% | 551 |
| Cash dividends to net income (ytd only)* | 12.0061% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 6,115 |
| Loan loss allowance to noncurrent loans | 53.1271% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 1.0133% | 4,464 |
| Noncurrent loans to loans | 1.9589% | 3,214 |
| Net loans and leases to total assets | 51.1908% | 5,120 |
| Net loans and leases to deposits | 66.6788% | 4,278 |
| Net loans and leases to core deposits | 68.9899% | 4,564 |
| Total domestic deposits to total assets | 76.7723% | 6,435 |
| Equity capital to assets | 13.7795% | 1,100 |
| Core capital (leverage) ratio | 12.5531% | 1,318 |
| Tier 1 risk-based capital ratio | 21.3520% | 1,406 |
| Total risk-based capital ratio | 22.2824% | 1,458 |
| Memoranda: | ||
| Average total assets | $144,169,500 | 3,969 |
| Average earning assets | $135,989,000 | 3,884 |
| Average equity | $19,893,500 | 3,234 |
| Average total loans | $74,318,000 | 4,303 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6190% | 4,594 |
| Cost of funding earning assets | 1.4766% | 786 |
| Net interest margin | 3.1424% | 6,244 |
| Noninterest income to average assets | 0.1611% | 6,341 |
| Noninterest expense to average assets | 1.7940% | 6,957 |
| Loan and lease loss provision to assets | 0.2475% | 3,734 |
| Net operating income to assets | 1.0566% | 1,976 |
| Return on assets (ROA) | 1.2827% | 1,390 |
| Pretax return on assets | 1.2945% | 2,151 |
| Return on Equity (ROE) | 9.4681% | 2,259 |
| Retained earnings to average equity (ytd only) | 7.5320% | 1,263 |
| Net charge-offs to loans | 1.0212% | 1,709 |
| Credit loss provision to net charge-offs | 46.7225% | 5,498 |
| Earnings coverage of net charge-offs (x) | 2.4798% | 3,973 |
| Efficiency ratio | 57.7271% | 6,087 |
| Assets per employee ($millions) | 7.8662% | 499 |
| Cash dividends to net income (ytd only)* | 20.4493% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 5,881 |
| Loan loss allowance to noncurrent loans | 59.6358% | 4,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 4,744 |
| Noncurrent loans to loans | 1.8123% | 3,449 |
| Net loans and leases to total assets | 50.8072% | 5,487 |
| Net loans and leases to deposits | 65.3468% | 4,828 |
| Net loans and leases to core deposits | 66.8665% | 5,165 |
| Total domestic deposits to total assets | 77.7502% | 6,240 |
| Equity capital to assets | 13.8186% | 1,135 |
| Core capital (leverage) ratio | 12.4819% | 1,359 |
| Tier 1 risk-based capital ratio | 21.3288% | 1,352 |
| Total risk-based capital ratio | 22.2841% | 1,382 |
| Memoranda: | ||
| Average total assets | $135,342,200 | 4,063 |
| Average earning assets | $126,910,200 | 3,996 |
| Average equity | $18,335,200 | 3,383 |
| Average total loans | $70,211,400 | 4,483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 4,784 |
| Cost of funding earning assets | 1.5092% | 829 |
| Net interest margin | 3.1119% | 6,367 |
| Noninterest income to average assets | 0.2601% | 5,758 |
| Noninterest expense to average assets | 1.8179% | 6,971 |
| Loan and lease loss provision to assets | 0.0219% | 6,172 |
| Net operating income to assets | 1.3365% | 1,292 |
| Return on assets (ROA) | 1.6275% | 813 |
| Pretax return on assets | 1.6275% | 1,312 |
| Return on Equity (ROE) | 12.0775% | 1,533 |
| Retained earnings to average equity (ytd only) | 9.4520% | 998 |
| Net charge-offs to loans | 0.3698% | 3,242 |
| Credit loss provision to net charge-offs | 11.3990% | 5,654 |
| Earnings coverage of net charge-offs (x) | 7.0621% | 2,427 |
| Efficiency ratio | 57.2325% | 6,110 |
| Assets per employee ($millions) | 6.9526% | 754 |
| Cash dividends to net income (ytd only)* | 21.7391% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 4,468 |
| Loan loss allowance to noncurrent loans | 63.5842% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2506% | 4,299 |
| Noncurrent loans to loans | 2.2329% | 3,070 |
| Net loans and leases to total assets | 49.7839% | 5,730 |
| Net loans and leases to deposits | 64.2167% | 5,142 |
| Net loans and leases to core deposits | 66.3424% | 5,377 |
| Total domestic deposits to total assets | 77.5248% | 6,290 |
| Equity capital to assets | 13.9539% | 1,171 |
| Core capital (leverage) ratio | 12.8165% | 1,291 |
| Tier 1 risk-based capital ratio | 21.7233% | 1,335 |
| Total risk-based capital ratio | 22.9648% | 1,304 |
| Memoranda: | ||
| Average total assets | $133,779,750 | 4,118 |
| Average earning assets | $125,365,000 | 4,056 |
| Average equity | $18,027,500 | 3,423 |
| Average total loans | $69,583,000 | 4,544 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 4,749 |
| Cost of funding earning assets | 1.5551% | 825 |
| Net interest margin | 3.0973% | 6,416 |
| Noninterest income to average assets | 0.2484% | 5,871 |
| Noninterest expense to average assets | 1.8891% | 6,965 |
| Loan and lease loss provision to assets | 0.0333% | 5,902 |
| Net operating income to assets | 1.2316% | 1,485 |
| Return on assets (ROA) | 1.5709% | 818 |
| Pretax return on assets | 1.5709% | 1,317 |
| Return on Equity (ROE) | 11.8049% | 1,551 |
| Retained earnings to average equity (ytd only) | 8.2987% | 1,344 |
| Net charge-offs to loans | 0.7496% | 1,996 |
| Credit loss provision to net charge-offs | 8.4615% | 5,265 |
| Earnings coverage of net charge-offs (x) | 3.2115% | 3,266 |
| Efficiency ratio | 59.8943% | 5,888 |
| Assets per employee ($millions) | 7.0166% | 714 |
| Cash dividends to net income (ytd only)* | 29.7011% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 4,907 |
| Loan loss allowance to noncurrent loans | 61.7120% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,377 |
| Noncurrent loans to loans | 2.1606% | 3,269 |
| Net loans and leases to total assets | 51.6217% | 5,616 |
| Net loans and leases to deposits | 65.4662% | 5,079 |
| Net loans and leases to core deposits | 67.5037% | 5,335 |
| Total domestic deposits to total assets | 78.8525% | 6,123 |
| Equity capital to assets | 13.7193% | 1,199 |
| Core capital (leverage) ratio | 12.7945% | 1,250 |
| Tier 1 risk-based capital ratio | 21.2269% | 1,377 |
| Total risk-based capital ratio | 22.3953% | 1,374 |
| Memoranda: | ||
| Average total assets | $132,022,670 | 4,179 |
| Average earning assets | $123,849,670 | 4,119 |
| Average equity | $17,569,000 | 3,483 |
| Average total loans | $69,370,000 | 4,598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 4,906 |
| Cost of funding earning assets | 1.5773% | 885 |
| Net interest margin | 3.0314% | 6,508 |
| Noninterest income to average assets | 0.2375% | 6,013 |
| Noninterest expense to average assets | 1.9577% | 6,898 |
| Loan and lease loss provision to assets | 0.0670% | 5,158 |
| Net operating income to assets | 1.0626% | 1,967 |
| Return on assets (ROA) | 1.5711% | 778 |
| Pretax return on assets | 1.5711% | 1,250 |
| Return on Equity (ROE) | 11.9941% | 1,464 |
| Retained earnings to average equity (ytd only) | 10.4832% | 996 |
| Net charge-offs to loans | 0.0578% | 4,354 |
| Credit loss provision to net charge-offs | 220.0000% | 1,378 |
| Earnings coverage of net charge-offs (x) | 37.1000% | 719 |
| Efficiency ratio | 63.4122% | 5,456 |
| Assets per employee ($millions) | 6.9096% | 773 |
| Cash dividends to net income (ytd only)* | 12.5969% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 3,324 |
| Loan loss allowance to noncurrent loans | 53.7096% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.7192% | 3,673 |
| Noncurrent loans to loans | 3.1745% | 2,367 |
| Net loans and leases to total assets | 51.8182% | 5,605 |
| Net loans and leases to deposits | 65.4751% | 5,048 |
| Net loans and leases to core deposits | 67.5263% | 5,351 |
| Total domestic deposits to total assets | 79.1418% | 6,157 |
| Equity capital to assets | 13.3666% | 1,232 |
| Core capital (leverage) ratio | 12.9094% | 1,154 |
| Tier 1 risk-based capital ratio | 20.9474% | 1,407 |
| Total risk-based capital ratio | 22.2004% | 1,384 |
| Memoranda: | ||
| Average total assets | $131,376,000 | 4,226 |
| Average earning assets | $123,505,500 | 4,149 |
| Average equity | $17,208,500 | 3,533 |
| Average total loans | $69,180,000 | 4,644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 4,470 |
| Cost of funding earning assets | 1.8749% | 927 |
| Net interest margin | 3.1422% | 6,409 |
| Noninterest income to average assets | 0.2372% | 6,101 |
| Noninterest expense to average assets | 1.7235% | 7,333 |
| Loan and lease loss provision to assets | 0.8573% | 1,903 |
| Net operating income to assets | 0.5934% | 3,701 |
| Return on assets (ROA) | 0.7187% | 3,282 |
| Pretax return on assets | 0.7251% | 3,887 |
| Return on Equity (ROE) | 5.3382% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.8145% | 2,536 |
| Net charge-offs to loans | 1.6739% | 1,297 |
| Credit loss provision to net charge-offs | 95.8781% | 4,851 |
| Earnings coverage of net charge-offs (x) | 1.6281% | 4,517 |
| Efficiency ratio | 54.2087% | 6,786 |
| Assets per employee ($millions) | 6.9195% | 773 |
| Cash dividends to net income (ytd only)* | 9.8105% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,259 |
| Loan loss allowance to noncurrent loans | 59.0197% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 1.5509% | 3,983 |
| Noncurrent loans to loans | 2.8618% | 2,662 |
| Net loans and leases to total assets | 51.7107% | 5,957 |
| Net loans and leases to deposits | 66.2967% | 5,364 |
| Net loans and leases to core deposits | 68.3944% | 5,618 |
| Total domestic deposits to total assets | 77.9988% | 6,313 |
| Equity capital to assets | 12.8311% | 1,474 |
| Core capital (leverage) ratio | 12.4032% | 1,346 |
| Tier 1 risk-based capital ratio | 20.1951% | 1,449 |
| Total risk-based capital ratio | 21.4480% | 1,423 |
| Memoranda: | ||
| Average total assets | $124,805,000 | 4,383 |
| Average earning assets | $116,862,600 | 4,294 |
| Average equity | $16,803,400 | 3,630 |
| Average total loans | $66,669,400 | 4,802 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 4,254 |
| Cost of funding earning assets | 1.9094% | 1,000 |
| Net interest margin | 3.2029% | 6,331 |
| Noninterest income to average assets | 0.2220% | 6,321 |
| Noninterest expense to average assets | 1.7606% | 7,381 |
| Loan and lease loss provision to assets | 1.1586% | 1,249 |
| Net operating income to assets | 0.2923% | 5,199 |
| Return on assets (ROA) | 0.4634% | 4,659 |
| Pretax return on assets | 0.4634% | 5,032 |
| Return on Equity (ROE) | 3.3994% | 5,051 |
| Retained earnings to average equity (ytd only) | 2.7004% | 4,537 |
| Net charge-offs to loans | 2.2548% | 790 |
| Credit loss provision to net charge-offs | 95.7923% | 4,523 |
| Earnings coverage of net charge-offs (x) | 1.1996% | 4,866 |
| Efficiency ratio | 54.8213% | 6,709 |
| Assets per employee ($millions) | 6.0694% | 1,203 |
| Cash dividends to net income (ytd only)* | 20.5608% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 2,821 |
| Loan loss allowance to noncurrent loans | 51.7976% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.9991% | 3,472 |
| Noncurrent loans to loans | 3.4527% | 2,304 |
| Net loans and leases to total assets | 50.2801% | 6,295 |
| Net loans and leases to deposits | 63.8453% | 5,934 |
| Net loans and leases to core deposits | 65.8955% | 6,131 |
| Total domestic deposits to total assets | 78.7530% | 6,077 |
| Equity capital to assets | 13.5299% | 1,335 |
| Core capital (leverage) ratio | 12.4283% | 1,451 |
| Tier 1 risk-based capital ratio | 20.1177% | 1,523 |
| Total risk-based capital ratio | 21.3711% | 1,487 |
| Memoranda: | ||
| Average total assets | $123,138,750 | 4,473 |
| Average earning assets | $114,934,250 | 4,407 |
| Average equity | $16,787,000 | 3,685 |
| Average total loans | $66,048,750 | 4,903 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1223% | 4,334 |
| Cost of funding earning assets | 1.9217% | 1,148 |
| Net interest margin | 3.2006% | 6,316 |
| Noninterest income to average assets | 0.2038% | 6,446 |
| Noninterest expense to average assets | 1.8275% | 7,360 |
| Loan and lease loss provision to assets | 1.4298% | 935 |
| Net operating income to assets | -0.0592% | 6,164 |
| Return on assets (ROA) | 0.1463% | 5,851 |
| Pretax return on assets | 0.1463% | 5,894 |
| Return on Equity (ROE) | 1.0701% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.0120% | 5,728 |
| Net charge-offs to loans | 3.1004% | 504 |
| Credit loss provision to net charge-offs | 84.6304% | 4,576 |
| Earnings coverage of net charge-offs (x) | 0.8113% | 4,960 |
| Efficiency ratio | 57.1429% | 6,491 |
| Assets per employee ($millions) | 5.8951% | 1,305 |
| Cash dividends to net income (ytd only)* | 98.8764% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6005% | 3,443 |
| Loan loss allowance to noncurrent loans | 48.0000% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 2.0275% | 3,464 |
| Noncurrent loans to loans | 3.3344% | 2,395 |
| Net loans and leases to total assets | 52.4423% | 6,167 |
| Net loans and leases to deposits | 66.5375% | 5,742 |
| Net loans and leases to core deposits | 68.7282% | 5,994 |
| Total domestic deposits to total assets | 78.8161% | 6,083 |
| Equity capital to assets | 13.4454% | 1,368 |
| Core capital (leverage) ratio | 12.6681% | 1,339 |
| Tier 1 risk-based capital ratio | 19.7958% | 1,547 |
| Total risk-based capital ratio | 20.9804% | 1,535 |
| Memoranda: | ||
| Average total assets | $121,699,000 | 4,532 |
| Average earning assets | $113,855,000 | 4,454 |
| Average equity | $16,634,330 | 3,697 |
| Average total loans | $66,314,000 | 4,930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 3,799 |
| Cost of funding earning assets | 1.9405% | 1,287 |
| Net interest margin | 3.3058% | 5,952 |
| Noninterest income to average assets | 0.1194% | 7,097 |
| Noninterest expense to average assets | 1.8433% | 7,418 |
| Loan and lease loss provision to assets | 1.9892% | 556 |
| Net operating income to assets | -0.6067% | 6,901 |
| Return on assets (ROA) | -0.2951% | 6,718 |
| Pretax return on assets | -0.2951% | 6,634 |
| Return on Equity (ROE) | -2.1408% | 6,651 |
| Retained earnings to average equity (ytd only) | -2.1408% | 6,234 |
| Net charge-offs to loans | 3.1467% | 478 |
| Credit loss provision to net charge-offs | 114.7228% | 3,034 |
| Earnings coverage of net charge-offs (x) | 0.7973% | 4,326 |
| Efficiency ratio | 57.1429% | 6,611 |
| Assets per employee ($millions) | 5.6708% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 2,330 |
| Loan loss allowance to noncurrent loans | 45.9594% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.7702% | 2,625 |
| Noncurrent loans to loans | 4.2302% | 1,813 |
| Net loans and leases to total assets | 54.6760% | 5,932 |
| Net loans and leases to deposits | 69.4298% | 5,419 |
| Net loans and leases to core deposits | 71.7962% | 5,740 |
| Total domestic deposits to total assets | 78.7500% | 6,136 |
| Equity capital to assets | 13.9108% | 1,172 |
| Core capital (leverage) ratio | 12.8011% | 1,291 |
| Tier 1 risk-based capital ratio | 19.6791% | 1,589 |
| Total risk-based capital ratio | 20.9409% | 1,552 |
| Memoranda: | ||
| Average total assets | $120,650,000 | 4,614 |
| Average earning assets | $113,375,500 | 4,531 |
| Average equity | $16,629,000 | 3,731 |
| Average total loans | $66,482,000 | 4,988 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 3,946 |
| Cost of funding earning assets | 2.3000% | 1,656 |
| Net interest margin | 3.2365% | 5,970 |
| Noninterest income to average assets | 0.3388% | 5,668 |
| Noninterest expense to average assets | 1.9010% | 7,505 |
| Loan and lease loss provision to assets | 1.4156% | 1,619 |
| Net operating income to assets | 0.0660% | 5,304 |
| Return on assets (ROA) | 0.1724% | 5,064 |
| Pretax return on assets | 0.1759% | 5,060 |
| Return on Equity (ROE) | 1.1927% | 5,174 |
| Retained earnings to average equity (ytd only) | -0.9601% | 5,244 |
| Net charge-offs to loans | 1.8776% | 1,328 |
| Credit loss provision to net charge-offs | 131.6760% | 3,837 |
| Earnings coverage of net charge-offs (x) | 1.3793% | 4,756 |
| Efficiency ratio | 56.1783% | 6,998 |
| Assets per employee ($millions) | 6.4323% | 1,017 |
| Cash dividends to net income (ytd only)* | 180.5000% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 2,471 |
| Loan loss allowance to noncurrent loans | 44.6160% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 2.6928% | 2,602 |
| Noncurrent loans to loans | 4.0880% | 1,803 |
| Net loans and leases to total assets | 53.4698% | 6,252 |
| Net loans and leases to deposits | 68.7588% | 5,750 |
| Net loans and leases to core deposits | 82.7104% | 5,848 |
| Total domestic deposits to total assets | 77.7642% | 6,279 |
| Equity capital to assets | 13.6581% | 1,263 |
| Core capital (leverage) ratio | 12.5775% | 1,417 |
| Tier 1 risk-based capital ratio | 19.7109% | 1,515 |
| Total risk-based capital ratio | 20.9650% | 1,478 |
| Memoranda: | ||
| Average total assets | $115,992,400 | 4,681 |
| Average earning assets | $109,130,000 | 4,593 |
| Average equity | $16,769,000 | 3,718 |
| Average total loans | $66,414,200 | 5,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 4,196 |
| Cost of funding earning assets | 2.3824% | 1,694 |
| Net interest margin | 3.1609% | 6,140 |
| Noninterest income to average assets | 0.3111% | 5,998 |
| Noninterest expense to average assets | 1.7873% | 7,672 |
| Loan and lease loss provision to assets | 0.5709% | 3,101 |
| Net operating income to assets | 0.9262% | 2,319 |
| Return on assets (ROA) | 1.0218% | 2,054 |
| Pretax return on assets | 1.0241% | 2,824 |
| Return on Equity (ROE) | 6.9650% | 3,090 |
| Retained earnings to average equity (ytd only) | 4.0980% | 2,986 |
| Net charge-offs to loans | 0.4720% | 3,336 |
| Credit loss provision to net charge-offs | 208.5106% | 2,116 |
| Earnings coverage of net charge-offs (x) | 5.4765% | 2,809 |
| Efficiency ratio | 54.3779% | 7,200 |
| Assets per employee ($millions) | 6.3706% | 1,048 |
| Cash dividends to net income (ytd only)* | 41.1631% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,078 |
| Loan loss allowance to noncurrent loans | 27.2312% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 3.6054% | 1,827 |
| Noncurrent loans to loans | 5.7990% | 1,047 |
| Net loans and leases to total assets | 55.3019% | 6,229 |
| Net loans and leases to deposits | 71.5562% | 5,723 |
| Net loans and leases to core deposits | 85.9557% | 5,871 |
| Total domestic deposits to total assets | 77.2846% | 6,270 |
| Equity capital to assets | 14.5174% | 1,139 |
| Core capital (leverage) ratio | 13.6004% | 1,204 |
| Tier 1 risk-based capital ratio | 20.3575% | 1,488 |
| Total risk-based capital ratio | 21.5421% | 1,455 |
| Memoranda: | ||
| Average total assets | $114,437,250 | 4,733 |
| Average earning assets | $107,731,750 | 4,658 |
| Average equity | $16,788,250 | 3,749 |
| Average total loans | $66,377,500 | 5,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5622% | 4,271 |
| Cost of funding earning assets | 2.5041% | 1,600 |
| Net interest margin | 3.0581% | 6,371 |
| Noninterest income to average assets | 0.2940% | 6,154 |
| Noninterest expense to average assets | 1.7624% | 7,784 |
| Loan and lease loss provision to assets | 0.1604% | 5,459 |
| Net operating income to assets | 1.2402% | 1,383 |
| Return on assets (ROA) | 1.3775% | 1,141 |
| Pretax return on assets | 1.3810% | 1,784 |
| Return on Equity (ROE) | 9.3544% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.7724% | 2,132 |
| Net charge-offs to loans | 0.7139% | 2,274 |
| Credit loss provision to net charge-offs | 38.2979% | 5,926 |
| Earnings coverage of net charge-offs (x) | 3.3532% | 3,465 |
| Efficiency ratio | 55.6556% | 7,151 |
| Assets per employee ($millions) | 5.9347% | 1,240 |
| Cash dividends to net income (ytd only)* | 38.2924% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0184% | 6,087 |
| Loan loss allowance to noncurrent loans | 16.5318% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 3.9970% | 1,487 |
| Noncurrent loans to loans | 6.1606% | 882 |
| Net loans and leases to total assets | 58.0929% | 5,950 |
| Net loans and leases to deposits | 70.6185% | 5,920 |
| Net loans and leases to core deposits | 85.7788% | 5,924 |
| Total domestic deposits to total assets | 82.2631% | 4,587 |
| Equity capital to assets | 14.8068% | 1,082 |
| Core capital (leverage) ratio | 14.2043% | 1,094 |
| Tier 1 risk-based capital ratio | 21.0220% | 1,390 |
| Total risk-based capital ratio | 21.9078% | 1,413 |
| Memoranda: | ||
| Average total assets | $112,236,000 | 4,818 |
| Average earning assets | $105,426,330 | 4,741 |
| Average equity | $16,527,000 | 3,810 |
| Average total loans | $65,832,670 | 5,116 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 4,557 |
| Cost of funding earning assets | 2.5974% | 1,575 |
| Net interest margin | 2.9663% | 6,572 |
| Noninterest income to average assets | 0.2715% | 6,266 |
| Noninterest expense to average assets | 1.7397% | 7,777 |
| Loan and lease loss provision to assets | 0.0536% | 6,297 |
| Net operating income to assets | 1.2589% | 1,481 |
| Return on assets (ROA) | 1.4039% | 1,219 |
| Pretax return on assets | 1.4110% | 1,936 |
| Return on Equity (ROE) | 9.5606% | 2,509 |
| Retained earnings to average equity (ytd only) | 5.1817% | 3,023 |
| Net charge-offs to loans | 1.4073% | 1,011 |
| Credit loss provision to net charge-offs | 6.4935% | 5,221 |
| Earnings coverage of net charge-offs (x) | 1.5974% | 3,930 |
| Efficiency ratio | 56.8925% | 6,847 |
| Assets per employee ($millions) | 6.2336% | 1,073 |
| Cash dividends to net income (ytd only)* | 45.8015% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,646 |
| Loan loss allowance to noncurrent loans | 14.8999% | 7,401 |
| Noncurrent assets plus other real estate owned to assets | 3.9098% | 1,333 |
| Noncurrent loans to loans | 6.1844% | 752 |
| Net loans and leases to total assets | 57.7840% | 5,976 |
| Net loans and leases to deposits | 69.9636% | 5,980 |
| Net loans and leases to core deposits | 84.8095% | 5,995 |
| Total domestic deposits to total assets | 82.5915% | 4,338 |
| Equity capital to assets | 14.8257% | 1,153 |
| Core capital (leverage) ratio | 14.1014% | 1,165 |
| Tier 1 risk-based capital ratio | 21.0168% | 1,448 |
| Total risk-based capital ratio | 21.8226% | 1,487 |
| Memoranda: | ||
| Average total assets | $111,974,500 | 4,857 |
| Average earning assets | $105,183,000 | 4,768 |
| Average equity | $16,442,500 | 3,854 |
| Average total loans | $65,659,500 | 5,144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1023% | 5,035 |
| Cost of funding earning assets | 3.0082% | 1,844 |
| Net interest margin | 3.0941% | 6,665 |
| Noninterest income to average assets | 0.3588% | 5,857 |
| Noninterest expense to average assets | 1.5989% | 7,964 |
| Loan and lease loss provision to assets | 0.3946% | 3,329 |
| Net operating income to assets | 1.2284% | 1,689 |
| Return on assets (ROA) | 1.3673% | 1,259 |
| Pretax return on assets | 1.3880% | 2,005 |
| Return on Equity (ROE) | 9.5257% | 2,427 |
| Retained earnings to average equity (ytd only) | 7.2033% | 1,087 |
| Net charge-offs to loans | 0.4415% | 2,619 |
| Credit loss provision to net charge-offs | 148.5816% | 3,551 |
| Earnings coverage of net charge-offs (x) | 6.1844% | 3,422 |
| Efficiency ratio | 49.3318% | 7,706 |
| Assets per employee ($millions) | 6.2081% | 1,030 |
| Cash dividends to net income (ytd only)* | 24.3802% | 4,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 4,212 |
| Loan loss allowance to noncurrent loans | 21.0054% | 7,190 |
| Noncurrent assets plus other real estate owned to assets | 3.8606% | 1,091 |
| Noncurrent loans to loans | 5.9183% | 617 |
| Net loans and leases to total assets | 58.2227% | 6,173 |
| Net loans and leases to deposits | 71.1391% | 6,151 |
| Net loans and leases to core deposits | 85.4963% | 6,172 |
| Total domestic deposits to total assets | 81.8435% | 4,264 |
| Equity capital to assets | 14.5420% | 1,286 |
| Core capital (leverage) ratio | 13.9633% | 1,265 |
| Tier 1 risk-based capital ratio | 20.5998% | 1,522 |
| Total risk-based capital ratio | 21.6871% | 1,514 |
| Memoranda: | ||
| Average total assets | $106,196,200 | 4,871 |
| Average earning assets | $98,930,400 | 4,835 |
| Average equity | $15,243,000 | 4,090 |
| Average total loans | $63,873,400 | 5,102 |