Home > Community Bank and Trust Company > Performance and Condition Ratios
Community Bank and Trust Company, Performance and Condition Ratios
| 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 | 5.0881% | 2,940 |
| Cost of funding earning assets | 1.7616% | 2,819 |
| Net interest margin | 3.3265% | 2,444 |
| Noninterest income to average assets | 0.5900% | 1,538 |
| Noninterest expense to average assets | 2.6358% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9390% | 2,255 |
| Return on assets (ROA) | 0.9352% | 2,267 |
| Pretax return on assets | 0.9791% | 2,583 |
| Return on Equity (ROE) | 16.3200% | 747 |
| Retained earnings to average equity (ytd only) | 3.3560% | 2,894 |
| Net charge-offs to loans | -0.0244% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 72.8348% | 1,679 |
| Assets per employee ($millions) | 5.5816% | 3,223 |
| Cash dividends to net income (ytd only)* | 79.4414% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 874 |
| Loan loss allowance to noncurrent loans | 2,412.6214% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 3,414 |
| Noncurrent loans to loans | 0.0646% | 3,325 |
| Net loans and leases to total assets | 56.2200% | 3,253 |
| Net loans and leases to deposits | 60.2992% | 3,520 |
| Net loans and leases to core deposits | 67.0288% | 3,475 |
| Total domestic deposits to total assets | 93.2300% | 150 |
| Equity capital to assets | 5.5092% | 4,277 |
| Core capital (leverage) ratio | 8.2553% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9316% | 1,897 |
| Memoranda: | ||
| Average total assets | $275,665,600 | 2,572 |
| Average earning assets | $250,623,000 | 2,590 |
| Average equity | $15,792,800 | 3,269 |
| Average total loans | $155,673,400 | 2,678 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 3,007 |
| Cost of funding earning assets | 1.7333% | 2,878 |
| Net interest margin | 3.2803% | 2,492 |
| Noninterest income to average assets | 0.6000% | 1,465 |
| Noninterest expense to average assets | 2.5098% | 2,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.0169% | 1,996 |
| Return on assets (ROA) | 1.0072% | 2,029 |
| Pretax return on assets | 1.0548% | 2,370 |
| Return on Equity (ROE) | 17.4100% | 645 |
| Retained earnings to average equity (ytd only) | 9.5612% | 943 |
| Net charge-offs to loans | -0.0431% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 70.2090% | 1,999 |
| Assets per employee ($millions) | 5.8051% | 3,026 |
| Cash dividends to net income (ytd only)* | 45.0867% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 815 |
| Loan loss allowance to noncurrent loans | 1,550.3106% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,326 |
| Noncurrent loans to loans | 0.1040% | 3,159 |
| Net loans and leases to total assets | 54.6700% | 3,368 |
| Net loans and leases to deposits | 59.5996% | 3,613 |
| Net loans and leases to core deposits | 67.8001% | 3,498 |
| Total domestic deposits to total assets | 91.7300% | 220 |
| Equity capital to assets | 6.9379% | 4,138 |
| Core capital (leverage) ratio | 9.1317% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5066% | 1,701 |
| Memoranda: | ||
| Average total assets | $274,811,750 | 2,567 |
| Average earning assets | $249,608,750 | 2,592 |
| Average equity | $15,897,250 | 3,259 |
| Average total loans | $154,748,750 | 2,682 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9882% | 2,974 |
| Cost of funding earning assets | 1.6797% | 2,903 |
| Net interest margin | 3.3086% | 2,391 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.4984% | 2,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.1039% | 1,713 |
| Return on assets (ROA) | 1.1011% | 1,720 |
| Pretax return on assets | 1.1552% | 2,044 |
| Return on Equity (ROE) | 20.4200% | 427 |
| Retained earnings to average equity (ytd only) | 7.7276% | 1,451 |
| Net charge-offs to loans | -0.0866% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.3263% | 2,295 |
| Assets per employee ($millions) | 5.2764% | 3,393 |
| Cash dividends to net income (ytd only)* | 62.1514% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 735 |
| Loan loss allowance to noncurrent loans | 212.6904% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4393% | 1,477 |
| Noncurrent loans to loans | 0.7800% | 1,194 |
| Net loans and leases to total assets | 55.3800% | 3,316 |
| Net loans and leases to deposits | 60.0973% | 3,570 |
| Net loans and leases to core deposits | 66.5186% | 3,522 |
| Total domestic deposits to total assets | 92.1500% | 251 |
| Equity capital to assets | 5.7515% | 4,262 |
| Core capital (leverage) ratio | 8.8908% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5395% | 1,687 |
| Memoranda: | ||
| Average total assets | $273,534,000 | 2,576 |
| Average earning assets | $248,385,000 | 2,596 |
| Average equity | $14,752,333 | 3,341 |
| Average total loans | $154,721,000 | 2,675 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 3,625 |
| Cost of funding earning assets | 1.6039% | 2,979 |
| Net interest margin | 2.9304% | 3,132 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 2.4166% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8762% | 2,301 |
| Return on assets (ROA) | 0.8776% | 2,312 |
| Pretax return on assets | 0.9182% | 2,620 |
| Return on Equity (ROE) | 16.8200% | 742 |
| Retained earnings to average equity (ytd only) | 4.9757% | 2,410 |
| Net charge-offs to loans | 0.0154% | 1,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 105.3333% | 653 |
| Efficiency ratio | 72.4978% | 1,898 |
| Assets per employee ($millions) | 5.7763% | 3,016 |
| Cash dividends to net income (ytd only)* | 70.4132% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5744% | 901 |
| Loan loss allowance to noncurrent loans | 177.5273% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.4959% | 1,276 |
| Noncurrent loans to loans | 0.8868% | 988 |
| Net loans and leases to total assets | 55.0400% | 3,269 |
| Net loans and leases to deposits | 59.4561% | 3,542 |
| Net loans and leases to core deposits | 63.9046% | 3,604 |
| Total domestic deposits to total assets | 92.5700% | 235 |
| Equity capital to assets | 5.1100% | 4,359 |
| Core capital (leverage) ratio | 8.9228% | 3,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0252% | 1,866 |
| Memoranda: | ||
| Average total assets | $275,754,000 | 2,572 |
| Average earning assets | $250,890,000 | 2,591 |
| Average equity | $14,390,000 | 3,366 |
| Average total loans | $156,311,000 | 2,669 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 3,266 |
| Cost of funding earning assets | 1.3197% | 2,461 |
| Net interest margin | 3.0870% | 3,120 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 2.5148% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9075% | 2,525 |
| Return on assets (ROA) | 0.9319% | 2,415 |
| Pretax return on assets | 0.9785% | 2,726 |
| Return on Equity (ROE) | 19.0800% | 704 |
| Retained earnings to average equity (ytd only) | 2.8845% | 3,317 |
| Net charge-offs to loans | 0.0241% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 70.1892% | 1,090 |
| Efficiency ratio | 72.5214% | 1,612 |
| Assets per employee ($millions) | 5.8350% | 2,957 |
| Cash dividends to net income (ytd only)* | 84.8819% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 932 |
| Loan loss allowance to noncurrent loans | 452.3105% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 2,237 |
| Noncurrent loans to loans | 0.3433% | 1,951 |
| Net loans and leases to total assets | 56.5700% | 3,152 |
| Net loans and leases to deposits | 61.3098% | 3,452 |
| Net loans and leases to core deposits | 66.8448% | 3,455 |
| Total domestic deposits to total assets | 92.2600% | 270 |
| Equity capital to assets | 5.3280% | 4,363 |
| Core capital (leverage) ratio | 8.9935% | 3,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9126% | 1,894 |
| Memoranda: | ||
| Average total assets | $272,549,600 | 2,568 |
| Average earning assets | $245,579,200 | 2,599 |
| Average equity | $13,312,400 | 3,392 |
| Average total loans | $153,682,800 | 2,647 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 3,139 |
| Cost of funding earning assets | 1.2393% | 2,304 |
| Net interest margin | 3.1404% | 3,051 |
| Noninterest income to average assets | 0.7700% | 1,012 |
| Noninterest expense to average assets | 2.5546% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9912% | 2,392 |
| Return on assets (ROA) | 1.0191% | 2,292 |
| Pretax return on assets | 1.0701% | 2,654 |
| Return on Equity (ROE) | 21.3500% | 609 |
| Retained earnings to average equity (ytd only) | 9.6911% | 1,496 |
| Net charge-offs to loans | -0.0035% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.0548% | 1,675 |
| Assets per employee ($millions) | 5.3122% | 3,340 |
| Cash dividends to net income (ytd only)* | 54.6154% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 881 |
| Loan loss allowance to noncurrent loans | 573.0415% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 2,511 |
| Noncurrent loans to loans | 0.2795% | 2,238 |
| Net loans and leases to total assets | 56.4000% | 3,169 |
| Net loans and leases to deposits | 60.6224% | 3,468 |
| Net loans and leases to core deposits | 68.5916% | 3,293 |
| Total domestic deposits to total assets | 93.0300% | 292 |
| Equity capital to assets | 4.5047% | 4,334 |
| Core capital (leverage) ratio | 8.9930% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3627% | 1,767 |
| Memoranda: | ||
| Average total assets | $272,125,250 | 2,570 |
| Average earning assets | $244,761,750 | 2,612 |
| Average equity | $12,987,500 | 3,421 |
| Average total loans | $152,709,750 | 2,657 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2240% | 3,246 |
| Cost of funding earning assets | 1.0920% | 2,300 |
| Net interest margin | 3.1320% | 3,147 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.5524% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1307% | 2,034 |
| Return on assets (ROA) | 1.1683% | 1,908 |
| Pretax return on assets | 1.2263% | 2,301 |
| Return on Equity (ROE) | 24.0300% | 429 |
| Retained earnings to average equity (ytd only) | 6.8837% | 2,323 |
| Net charge-offs to loans | 0.0053% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 404.2500% | 358 |
| Efficiency ratio | 68.2630% | 1,954 |
| Assets per employee ($millions) | 5.2150% | 3,400 |
| Cash dividends to net income (ytd only)* | 71.3568% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6099% | 915 |
| Loan loss allowance to noncurrent loans | 515.5925% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 2,305 |
| Noncurrent loans to loans | 0.3122% | 2,021 |
| Net loans and leases to total assets | 55.8900% | 3,130 |
| Net loans and leases to deposits | 59.0101% | 3,478 |
| Net loans and leases to core deposits | 65.8244% | 3,357 |
| Total domestic deposits to total assets | 94.7200% | 109 |
| Equity capital to assets | 4.8492% | 4,398 |
| Core capital (leverage) ratio | 8.7552% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1383% | 1,835 |
| Memoranda: | ||
| Average total assets | $272,527,000 | 2,573 |
| Average earning assets | $245,594,333 | 2,606 |
| Average equity | $13,248,667 | 3,411 |
| Average total loans | $151,852,667 | 2,658 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0710% | 3,316 |
| Cost of funding earning assets | 0.9257% | 2,291 |
| Net interest margin | 3.1453% | 3,246 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 2.5110% | 2,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5291% | 1,120 |
| Return on assets (ROA) | 1.5959% | 984 |
| Pretax return on assets | 1.6764% | 1,325 |
| Return on Equity (ROE) | 32.7900% | 189 |
| Retained earnings to average equity (ytd only) | 10.7986% | 1,514 |
| Net charge-offs to loans | 0.0371% | 992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 78.3571% | 904 |
| Efficiency ratio | 60.9886% | 2,828 |
| Assets per employee ($millions) | 5.3344% | 3,379 |
| Cash dividends to net income (ytd only)* | 67.0642% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6288% | 954 |
| Loan loss allowance to noncurrent loans | 382.7907% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 1,929 |
| Noncurrent loans to loans | 0.4255% | 1,658 |
| Net loans and leases to total assets | 54.8100% | 3,133 |
| Net loans and leases to deposits | 58.0100% | 3,451 |
| Net loans and leases to core deposits | 64.4692% | 3,318 |
| Total domestic deposits to total assets | 94.4800% | 129 |
| Equity capital to assets | 5.0993% | 4,407 |
| Core capital (leverage) ratio | 8.8888% | 3,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2136% | 1,902 |
| Memoranda: | ||
| Average total assets | $273,200,000 | 2,597 |
| Average earning assets | $245,442,000 | 2,637 |
| Average equity | $13,298,000 | 3,445 |
| Average total loans | $150,755,000 | 2,693 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5505% | 2,941 |
| Cost of funding earning assets | 0.3397% | 2,558 |
| Net interest margin | 3.2108% | 2,841 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.4549% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8857% | 3,019 |
| Return on assets (ROA) | 0.8902% | 2,944 |
| Pretax return on assets | 0.9389% | 3,245 |
| Return on Equity (ROE) | 13.7100% | 1,599 |
| Retained earnings to average equity (ytd only) | 1.0428% | 4,188 |
| Net charge-offs to loans | -0.0071% | 3,713 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.4376% | 1,393 |
| Assets per employee ($millions) | 5.2758% | 3,447 |
| Cash dividends to net income (ytd only)* | 92.3931% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6568% | 864 |
| Loan loss allowance to noncurrent loans | 611.8227% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 2,500 |
| Noncurrent loans to loans | 0.2708% | 2,184 |
| Net loans and leases to total assets | 53.7400% | 3,222 |
| Net loans and leases to deposits | 56.5598% | 3,540 |
| Net loans and leases to core deposits | 62.4182% | 3,367 |
| Total domestic deposits to total assets | 95.0200% | 135 |
| Equity capital to assets | 4.6376% | 4,444 |
| Core capital (leverage) ratio | 8.7725% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2872% | 1,855 |
| Memoranda: | ||
| Average total assets | $273,205,000 | 2,588 |
| Average earning assets | $244,892,000 | 2,642 |
| Average equity | $17,740,200 | 3,146 |
| Average total loans | $140,421,400 | 2,721 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 2,713 |
| Cost of funding earning assets | 0.2471% | 2,737 |
| Net interest margin | 3.2219% | 2,560 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.4280% | 2,235 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9236% | 2,781 |
| Return on assets (ROA) | 0.9297% | 2,728 |
| Pretax return on assets | 0.9805% | 3,074 |
| Return on Equity (ROE) | 13.3600% | 1,596 |
| Retained earnings to average equity (ytd only) | 1.3688% | 4,163 |
| Net charge-offs to loans | -0.0039% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.3670% | 1,606 |
| Assets per employee ($millions) | 5.1731% | 3,525 |
| Cash dividends to net income (ytd only)* | 89.7530% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 787 |
| Loan loss allowance to noncurrent loans | 546.7991% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1717% | 2,424 |
| Noncurrent loans to loans | 0.3221% | 2,083 |
| Net loans and leases to total assets | 52.3700% | 3,247 |
| Net loans and leases to deposits | 56.1599% | 3,465 |
| Net loans and leases to core deposits | 59.7930% | 3,399 |
| Total domestic deposits to total assets | 93.2500% | 515 |
| Equity capital to assets | 4.8338% | 4,324 |
| Core capital (leverage) ratio | 9.0288% | 3,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8911% | 1,743 |
| Memoranda: | ||
| Average total assets | $272,920,250 | 2,608 |
| Average earning assets | $243,907,250 | 2,666 |
| Average equity | $18,994,500 | 3,078 |
| Average total loans | $138,045,000 | 2,750 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3878% | 2,477 |
| Cost of funding earning assets | 0.2135% | 2,726 |
| Net interest margin | 3.1743% | 2,270 |
| Noninterest income to average assets | 0.5400% | 1,993 |
| Noninterest expense to average assets | 2.3685% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9629% | 2,300 |
| Return on assets (ROA) | 0.9697% | 2,243 |
| Pretax return on assets | 1.0234% | 2,644 |
| Return on Equity (ROE) | 12.6975% | 1,465 |
| Retained earnings to average equity (ytd only) | 0.3321% | 4,125 |
| Net charge-offs to loans | -0.0321% | 4,066 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9786% | 1,959 |
| Assets per employee ($millions) | 4.9471% | 3,720 |
| Cash dividends to net income (ytd only)* | 97.3842% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8416% | 753 |
| Loan loss allowance to noncurrent loans | 410.3618% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2319% | 2,159 |
| Noncurrent loans to loans | 0.4488% | 1,774 |
| Net loans and leases to total assets | 50.7197% | 3,299 |
| Net loans and leases to deposits | 53.8538% | 3,548 |
| Net loans and leases to core deposits | 56.1682% | 3,556 |
| Total domestic deposits to total assets | 94.1803% | 256 |
| Equity capital to assets | 5.5691% | 4,341 |
| Core capital (leverage) ratio | 8.4791% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2348% | 1,644 |
| Memoranda: | ||
| Average total assets | $275,950,333 | 2,607 |
| Average earning assets | $247,299,333 | 2,685 |
| Average equity | $21,075,000 | 2,967 |
| Average total loans | $137,180,000 | 2,770 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 2,752 |
| Cost of funding earning assets | 0.2134% | 2,621 |
| Net interest margin | 2.9656% | 2,616 |
| Noninterest income to average assets | 0.6110% | 1,650 |
| Noninterest expense to average assets | 2.2968% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9143% | 2,231 |
| Return on assets (ROA) | 0.9278% | 2,156 |
| Pretax return on assets | 0.9815% | 2,495 |
| Return on Equity (ROE) | 10.7932% | 1,685 |
| Retained earnings to average equity (ytd only) | 0.5100% | 3,917 |
| Net charge-offs to loans | -0.0290% | 4,076 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3640% | 2,178 |
| Assets per employee ($millions) | 5.1155% | 3,651 |
| Cash dividends to net income (ytd only)* | 95.2744% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 856 |
| Loan loss allowance to noncurrent loans | 204.1085% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4326% | 1,407 |
| Noncurrent loans to loans | 0.8906% | 1,038 |
| Net loans and leases to total assets | 47.6874% | 3,417 |
| Net loans and leases to deposits | 51.7174% | 3,586 |
| Net loans and leases to core deposits | 54.2178% | 3,576 |
| Total domestic deposits to total assets | 92.2076% | 504 |
| Equity capital to assets | 7.5898% | 3,863 |
| Core capital (leverage) ratio | 8.3951% | 3,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1427% | 1,752 |
| Memoranda: | ||
| Average total assets | $282,827,500 | 2,589 |
| Average earning assets | $253,037,500 | 2,665 |
| Average equity | $24,311,500 | 2,818 |
| Average total loans | $138,030,000 | 2,766 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5804% | 2,443 |
| Cost of funding earning assets | 0.2807% | 2,596 |
| Net interest margin | 3.2997% | 2,318 |
| Noninterest income to average assets | 0.6563% | 1,921 |
| Noninterest expense to average assets | 2.4706% | 2,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0785% | 2,375 |
| Return on assets (ROA) | 1.0823% | 2,430 |
| Pretax return on assets | 1.1276% | 2,885 |
| Return on Equity (ROE) | 10.8010% | 2,236 |
| Retained earnings to average equity (ytd only) | 4.2040% | 3,133 |
| Net charge-offs to loans | -0.1026% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7393% | 1,893 |
| Assets per employee ($millions) | 4.9878% | 3,739 |
| Cash dividends to net income (ytd only)* | 61.0776% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7739% | 912 |
| Loan loss allowance to noncurrent loans | 201.2205% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4323% | 1,518 |
| Noncurrent loans to loans | 0.8816% | 1,149 |
| Net loans and leases to total assets | 48.1646% | 3,485 |
| Net loans and leases to deposits | 53.4299% | 3,635 |
| Net loans and leases to core deposits | 55.9444% | 3,623 |
| Total domestic deposits to total assets | 90.1454% | 890 |
| Equity capital to assets | 9.5915% | 3,051 |
| Core capital (leverage) ratio | 8.2177% | 4,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9468% | 1,861 |
| Memoranda: | ||
| Average total assets | $276,081,800 | 2,565 |
| Average earning assets | $245,808,200 | 2,644 |
| Average equity | $27,664,200 | 2,670 |
| Average total loans | $138,395,600 | 2,745 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 2,379 |
| Cost of funding earning assets | 0.2993% | 2,600 |
| Net interest margin | 3.3600% | 2,270 |
| Noninterest income to average assets | 0.6710% | 1,929 |
| Noninterest expense to average assets | 2.4669% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1436% | 2,394 |
| Return on assets (ROA) | 1.1488% | 2,431 |
| Pretax return on assets | 1.1969% | 2,941 |
| Return on Equity (ROE) | 11.3385% | 2,262 |
| Retained earnings to average equity (ytd only) | 5.1674% | 3,155 |
| Net charge-offs to loans | -0.1303% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4292% | 1,910 |
| Assets per employee ($millions) | 5.3684% | 3,326 |
| Cash dividends to net income (ytd only)* | 54.4261% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 907 |
| Loan loss allowance to noncurrent loans | 195.1741% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 1,700 |
| Noncurrent loans to loans | 0.9286% | 1,234 |
| Net loans and leases to total assets | 46.9751% | 3,718 |
| Net loans and leases to deposits | 52.3406% | 3,858 |
| Net loans and leases to core deposits | 54.7486% | 3,865 |
| Total domestic deposits to total assets | 89.7489% | 894 |
| Equity capital to assets | 9.9977% | 2,900 |
| Core capital (leverage) ratio | 8.2821% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1937% | 1,903 |
| Memoranda: | ||
| Average total assets | $274,026,250 | 2,599 |
| Average earning assets | $243,645,750 | 2,672 |
| Average equity | $27,763,000 | 2,696 |
| Average total loans | $138,142,750 | 2,784 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 2,765 |
| Cost of funding earning assets | 0.3218% | 2,572 |
| Net interest margin | 3.2312% | 2,661 |
| Noninterest income to average assets | 0.7378% | 1,692 |
| Noninterest expense to average assets | 2.5217% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0380% | 2,765 |
| Return on assets (ROA) | 1.0380% | 2,843 |
| Pretax return on assets | 1.0816% | 3,275 |
| Return on Equity (ROE) | 10.1978% | 2,677 |
| Retained earnings to average equity (ytd only) | 5.0408% | 3,168 |
| Net charge-offs to loans | -0.1758% | 4,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9836% | 1,640 |
| Assets per employee ($millions) | 4.8519% | 3,786 |
| Cash dividends to net income (ytd only)* | 50.5698% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 921 |
| Loan loss allowance to noncurrent loans | 184.0960% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4932% | 1,699 |
| Noncurrent loans to loans | 0.9653% | 1,280 |
| Net loans and leases to total assets | 49.0452% | 3,642 |
| Net loans and leases to deposits | 54.6022% | 3,820 |
| Net loans and leases to core deposits | 57.1889% | 3,819 |
| Total domestic deposits to total assets | 89.8229% | 860 |
| Equity capital to assets | 9.9960% | 2,852 |
| Core capital (leverage) ratio | 8.1011% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0632% | 1,950 |
| Memoranda: | ||
| Average total assets | $270,526,667 | 2,609 |
| Average earning assets | $239,912,000 | 2,691 |
| Average equity | $27,535,333 | 2,700 |
| Average total loans | $138,816,000 | 2,794 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 3,584 |
| Cost of funding earning assets | 0.3405% | 2,611 |
| Net interest margin | 2.9074% | 3,493 |
| Noninterest income to average assets | 0.8912% | 1,354 |
| Noninterest expense to average assets | 2.6197% | 1,830 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8164% | 3,369 |
| Return on assets (ROA) | 0.8164% | 3,440 |
| Pretax return on assets | 0.8508% | 3,722 |
| Return on Equity (ROE) | 7.9475% | 3,343 |
| Retained earnings to average equity (ytd only) | 3.9009% | 3,532 |
| Net charge-offs to loans | -0.3391% | 4,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4847% | 1,183 |
| Assets per employee ($millions) | 4.8671% | 3,787 |
| Cash dividends to net income (ytd only)* | 50.9158% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 984 |
| Loan loss allowance to noncurrent loans | 178.1818% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 1,679 |
| Noncurrent loans to loans | 0.9697% | 1,395 |
| Net loans and leases to total assets | 52.0554% | 3,444 |
| Net loans and leases to deposits | 57.9281% | 3,649 |
| Net loans and leases to core deposits | 59.1467% | 3,760 |
| Total domestic deposits to total assets | 89.8621% | 887 |
| Equity capital to assets | 9.9941% | 2,712 |
| Core capital (leverage) ratio | 8.4225% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5871% | 2,047 |
| Memoranda: | ||
| Average total assets | $267,509,500 | 2,614 |
| Average earning assets | $237,322,500 | 2,697 |
| Average equity | $27,480,500 | 2,700 |
| Average total loans | $139,177,000 | 2,796 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 3,122 |
| Cost of funding earning assets | 0.5764% | 2,474 |
| Net interest margin | 3.2900% | 3,092 |
| Noninterest income to average assets | 0.5384% | 2,473 |
| Noninterest expense to average assets | 2.7219% | 2,170 |
| Loan and lease loss provision to assets | 0.1203% | 2,861 |
| Net operating income to assets | 0.5684% | 3,850 |
| Return on assets (ROA) | 0.6161% | 3,820 |
| Pretax return on assets | 0.6433% | 3,990 |
| Return on Equity (ROE) | 5.6920% | 3,683 |
| Retained earnings to average equity (ytd only) | 2.4087% | 3,659 |
| Net charge-offs to loans | -0.1226% | 4,839 |
| Credit loss provision to net charge-offs | -184.8485% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2217% | 938 |
| Assets per employee ($millions) | 4.6092% | 3,799 |
| Cash dividends to net income (ytd only)* | 57.6825% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 1,021 |
| Loan loss allowance to noncurrent loans | 168.7410% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6348% | 1,656 |
| Noncurrent loans to loans | 1.0120% | 1,404 |
| Net loans and leases to total assets | 50.2097% | 3,814 |
| Net loans and leases to deposits | 56.2408% | 3,976 |
| Net loans and leases to core deposits | 57.6184% | 4,069 |
| Total domestic deposits to total assets | 89.2762% | 863 |
| Equity capital to assets | 10.5517% | 2,627 |
| Core capital (leverage) ratio | 8.3993% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3825% | 2,090 |
| Memoranda: | ||
| Average total assets | $253,534,600 | 2,558 |
| Average earning assets | $223,285,800 | 2,648 |
| Average equity | $27,442,200 | 2,643 |
| Average total loans | $134,612,000 | 2,806 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,019 |
| Cost of funding earning assets | 0.6187% | 2,497 |
| Net interest margin | 3.3659% | 3,006 |
| Noninterest income to average assets | 0.5497% | 2,386 |
| Noninterest expense to average assets | 2.7728% | 2,049 |
| Loan and lease loss provision to assets | 0.1627% | 2,376 |
| Net operating income to assets | 0.5551% | 3,897 |
| Return on assets (ROA) | 0.6206% | 3,805 |
| Pretax return on assets | 0.6467% | 4,016 |
| Return on Equity (ROE) | 5.6951% | 3,664 |
| Retained earnings to average equity (ytd only) | 2.3925% | 3,791 |
| Net charge-offs to loans | -0.1610% | 4,900 |
| Credit loss provision to net charge-offs | -188.2716% | 3,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9106% | 950 |
| Assets per employee ($millions) | 4.3031% | 4,044 |
| Cash dividends to net income (ytd only)* | 57.9897% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7283% | 842 |
| Loan loss allowance to noncurrent loans | 137.5665% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 1,610 |
| Noncurrent loans to loans | 1.2564% | 1,196 |
| Net loans and leases to total assets | 52.1594% | 3,955 |
| Net loans and leases to deposits | 58.8305% | 4,127 |
| Net loans and leases to core deposits | 61.4498% | 4,137 |
| Total domestic deposits to total assets | 88.6606% | 913 |
| Equity capital to assets | 11.0861% | 2,337 |
| Core capital (leverage) ratio | 8.5597% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7989% | 1,892 |
| Memoranda: | ||
| Average total assets | $250,085,500 | 2,562 |
| Average earning assets | $220,244,250 | 2,652 |
| Average equity | $27,250,750 | 2,642 |
| Average total loans | $134,125,500 | 2,822 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0098% | 3,299 |
| Cost of funding earning assets | 0.6625% | 2,612 |
| Net interest margin | 3.3472% | 3,252 |
| Noninterest income to average assets | 0.6045% | 2,112 |
| Noninterest expense to average assets | 2.7200% | 2,321 |
| Loan and lease loss provision to assets | 0.2452% | 1,719 |
| Net operating income to assets | 0.5703% | 3,829 |
| Return on assets (ROA) | 0.6390% | 3,701 |
| Pretax return on assets | 0.6631% | 3,948 |
| Return on Equity (ROE) | 5.8993% | 3,554 |
| Retained earnings to average equity (ytd only) | 1.7364% | 3,860 |
| Net charge-offs to loans | 0.0284% | 2,149 |
| Credit loss provision to net charge-offs | 1,605.2632% | 573 |
| Earnings coverage of net charge-offs (x) | 54.7895% | 1,035 |
| Efficiency ratio | 76.4746% | 1,223 |
| Assets per employee ($millions) | 4.6078% | 3,637 |
| Cash dividends to net income (ytd only)* | 70.5660% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,077 |
| Loan loss allowance to noncurrent loans | 127.2512% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6587% | 1,852 |
| Noncurrent loans to loans | 1.2341% | 1,266 |
| Net loans and leases to total assets | 51.2614% | 4,076 |
| Net loans and leases to deposits | 57.4982% | 4,244 |
| Net loans and leases to core deposits | 60.2134% | 4,249 |
| Total domestic deposits to total assets | 89.1531% | 689 |
| Equity capital to assets | 10.5930% | 2,671 |
| Core capital (leverage) ratio | 8.5552% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5881% | 1,964 |
| Memoranda: | ||
| Average total assets | $248,819,000 | 2,547 |
| Average earning assets | $219,464,667 | 2,633 |
| Average equity | $26,952,333 | 2,649 |
| Average total loans | $133,916,000 | 2,819 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,215 |
| Cost of funding earning assets | 0.7372% | 2,743 |
| Net interest margin | 3.4602% | 3,124 |
| Noninterest income to average assets | 0.7127% | 1,602 |
| Noninterest expense to average assets | 2.8226% | 2,367 |
| Loan and lease loss provision to assets | 0.3803% | 804 |
| Net operating income to assets | 0.5445% | 3,765 |
| Return on assets (ROA) | 0.5903% | 3,680 |
| Pretax return on assets | 0.5986% | 3,921 |
| Return on Equity (ROE) | 5.3851% | 3,511 |
| Retained earnings to average equity (ytd only) | 0.6788% | 3,823 |
| Net charge-offs to loans | -0.0996% | 4,814 |
| Credit loss provision to net charge-offs | -696.9697% | 3,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1651% | 1,666 |
| Assets per employee ($millions) | 4.3196% | 3,511 |
| Cash dividends to net income (ytd only)* | 87.3950% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,136 |
| Loan loss allowance to noncurrent loans | 221.1238% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4146% | 2,800 |
| Noncurrent loans to loans | 0.7122% | 2,218 |
| Net loans and leases to total assets | 54.9061% | 3,920 |
| Net loans and leases to deposits | 61.9317% | 4,099 |
| Net loans and leases to core deposits | 66.1255% | 4,077 |
| Total domestic deposits to total assets | 88.6558% | 820 |
| Equity capital to assets | 11.1346% | 2,745 |
| Core capital (leverage) ratio | 8.9184% | 4,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9956% | 2,284 |
| Memoranda: | ||
| Average total assets | $241,905,500 | 2,537 |
| Average earning assets | $212,707,500 | 2,641 |
| Average equity | $26,517,500 | 2,671 |
| Average total loans | $132,482,000 | 2,806 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 2,968 |
| Cost of funding earning assets | 0.7236% | 3,046 |
| Net interest margin | 3.7703% | 2,608 |
| Noninterest income to average assets | 0.5368% | 2,549 |
| Noninterest expense to average assets | 3.0387% | 1,913 |
| Loan and lease loss provision to assets | 0.6119% | 196 |
| Net operating income to assets | 0.2004% | 4,837 |
| Return on assets (ROA) | 0.2004% | 4,862 |
| Pretax return on assets | 0.2043% | 4,884 |
| Return on Equity (ROE) | 1.7904% | 4,820 |
| Retained earnings to average equity (ytd only) | -2.9750% | 4,911 |
| Net charge-offs to loans | 1.3031% | 115 |
| Credit loss provision to net charge-offs | 79.6203% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.0620% | 3,570 |
| Efficiency ratio | 78.8267% | 1,054 |
| Assets per employee ($millions) | 4.2441% | 3,588 |
| Cash dividends to net income (ytd only)* | 266.1670% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,418 |
| Loan loss allowance to noncurrent loans | 209.9211% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3778% | 2,901 |
| Noncurrent loans to loans | 0.6822% | 2,182 |
| Net loans and leases to total assets | 52.9779% | 4,150 |
| Net loans and leases to deposits | 59.5404% | 4,311 |
| Net loans and leases to core deposits | 64.3067% | 4,265 |
| Total domestic deposits to total assets | 88.9780% | 680 |
| Equity capital to assets | 10.7893% | 3,195 |
| Core capital (leverage) ratio | 8.9381% | 4,573 |
| Tier 1 risk-based capital ratio | 13.2286% | 3,664 |
| Total risk-based capital ratio | 14.3989% | 3,600 |
| Memoranda: | ||
| Average total assets | $233,027,800 | 2,557 |
| Average earning assets | $205,077,200 | 2,658 |
| Average equity | $26,083,600 | 2,625 |
| Average total loans | $137,441,200 | 2,753 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 2,835 |
| Cost of funding earning assets | 0.7065% | 3,187 |
| Net interest margin | 3.8630% | 2,392 |
| Noninterest income to average assets | 0.5523% | 2,448 |
| Noninterest expense to average assets | 3.0235% | 1,911 |
| Loan and lease loss provision to assets | 0.8093% | 128 |
| Net operating income to assets | 0.1173% | 5,008 |
| Return on assets (ROA) | 0.1173% | 5,021 |
| Pretax return on assets | 0.1150% | 5,032 |
| Return on Equity (ROE) | 1.0378% | 5,009 |
| Retained earnings to average equity (ytd only) | -3.9008% | 5,022 |
| Net charge-offs to loans | 1.1926% | 121 |
| Credit loss provision to net charge-offs | 112.4398% | 2,064 |
| Earnings coverage of net charge-offs (x) | 1.2841% | 3,312 |
| Efficiency ratio | 76.5876% | 1,258 |
| Assets per employee ($millions) | 3.9642% | 3,950 |
| Cash dividends to net income (ytd only)* | 475.8627% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 734 |
| Loan loss allowance to noncurrent loans | 145.0061% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 1,715 |
| Noncurrent loans to loans | 1.2134% | 1,295 |
| Net loans and leases to total assets | 57.8194% | 3,895 |
| Net loans and leases to deposits | 65.3917% | 4,103 |
| Net loans and leases to core deposits | 71.2823% | 3,991 |
| Total domestic deposits to total assets | 88.4200% | 859 |
| Equity capital to assets | 11.3769% | 2,767 |
| Core capital (leverage) ratio | 9.4197% | 4,261 |
| Tier 1 risk-based capital ratio | 13.1528% | 3,759 |
| Total risk-based capital ratio | 14.4056% | 3,669 |
| Memoranda: | ||
| Average total assets | $230,805,750 | 2,599 |
| Average earning assets | $202,877,500 | 2,702 |
| Average equity | $26,079,250 | 2,635 |
| Average total loans | $139,295,500 | 2,760 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 2,780 |
| Cost of funding earning assets | 0.6797% | 3,277 |
| Net interest margin | 3.8876% | 2,277 |
| Noninterest income to average assets | 0.6188% | 2,072 |
| Noninterest expense to average assets | 3.0281% | 1,921 |
| Loan and lease loss provision to assets | 1.0584% | 90 |
| Net operating income to assets | -0.0225% | 5,107 |
| Return on assets (ROA) | -0.0225% | 5,113 |
| Pretax return on assets | -0.0372% | 5,117 |
| Return on Equity (ROE) | -0.1996% | 5,113 |
| Retained earnings to average equity (ytd only) | -5.5425% | 5,076 |
| Net charge-offs to loans | 1.4251% | 84 |
| Credit loss provision to net charge-offs | 122.0559% | 1,721 |
| Earnings coverage of net charge-offs (x) | 1.1776% | 3,048 |
| Efficiency ratio | 74.7809% | 1,543 |
| Assets per employee ($millions) | 3.6388% | 4,326 |
| Cash dividends to net income (ytd only)* | -2,676.9231% | 5,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7708% | 720 |
| Loan loss allowance to noncurrent loans | 152.2388% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7756% | 1,797 |
| Noncurrent loans to loans | 1.1632% | 1,392 |
| Net loans and leases to total assets | 59.2362% | 3,806 |
| Net loans and leases to deposits | 67.0386% | 4,021 |
| Net loans and leases to core deposits | 73.4414% | 3,922 |
| Total domestic deposits to total assets | 88.3614% | 938 |
| Equity capital to assets | 11.4192% | 2,686 |
| Core capital (leverage) ratio | 9.4482% | 4,204 |
| Tier 1 risk-based capital ratio | 13.0723% | 3,801 |
| Total risk-based capital ratio | 14.3251% | 3,705 |
| Memoranda: | ||
| Average total assets | $231,100,000 | 2,606 |
| Average earning assets | $203,928,330 | 2,694 |
| Average equity | $26,053,000 | 2,632 |
| Average total loans | $140,620,330 | 2,755 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3838% | 3,290 |
| Cost of funding earning assets | 0.6327% | 3,390 |
| Net interest margin | 3.7511% | 2,708 |
| Noninterest income to average assets | 0.6620% | 1,771 |
| Noninterest expense to average assets | 3.0962% | 1,742 |
| Loan and lease loss provision to assets | 2.8152% | 28 |
| Net operating income to assets | -1.7825% | 5,316 |
| Return on assets (ROA) | -1.7825% | 5,312 |
| Pretax return on assets | -1.9274% | 5,308 |
| Return on Equity (ROE) | -15.9135% | 5,325 |
| Retained earnings to average equity (ytd only) | -15.9135% | 5,215 |
| Net charge-offs to loans | 2.9110% | 34 |
| Credit loss provision to net charge-offs | 158.2364% | 1,201 |
| Earnings coverage of net charge-offs (x) | 0.4990% | 2,665 |
| Efficiency ratio | 77.7153% | 1,302 |
| Assets per employee ($millions) | 3.7954% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9924% | 509 |
| Loan loss allowance to noncurrent loans | 76.5502% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 651 |
| Noncurrent loans to loans | 2.6027% | 493 |
| Net loans and leases to total assets | 60.0658% | 3,702 |
| Net loans and leases to deposits | 69.5896% | 3,796 |
| Net loans and leases to core deposits | 73.1394% | 3,857 |
| Total domestic deposits to total assets | 86.3144% | 2,138 |
| Equity capital to assets | 11.0595% | 2,791 |
| Core capital (leverage) ratio | 9.0823% | 4,593 |
| Tier 1 risk-based capital ratio | 12.3969% | 4,231 |
| Total risk-based capital ratio | 13.6523% | 4,095 |
| Memoranda: | ||
| Average total assets | $232,027,500 | 2,627 |
| Average earning assets | $205,484,500 | 2,713 |
| Average equity | $25,990,500 | 2,644 |
| Average total loans | $141,808,500 | 2,777 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,673 |
| Cost of funding earning assets | 0.5490% | 3,055 |
| Net interest margin | 3.5735% | 3,475 |
| Noninterest income to average assets | 0.5171% | 2,735 |
| Noninterest expense to average assets | 2.9632% | 2,155 |
| Loan and lease loss provision to assets | 0.8874% | 108 |
| Net operating income to assets | -0.1726% | 5,267 |
| Return on assets (ROA) | -0.1735% | 5,264 |
| Pretax return on assets | -0.1731% | 5,260 |
| Return on Equity (ROE) | -1.5619% | 5,265 |
| Retained earnings to average equity (ytd only) | -7.3932% | 5,285 |
| Net charge-offs to loans | 1.6615% | 67 |
| Credit loss provision to net charge-offs | 88.6391% | 2,739 |
| Earnings coverage of net charge-offs (x) | 0.7143% | 3,676 |
| Efficiency ratio | 80.5583% | 911 |
| Assets per employee ($millions) | 3.8120% | 4,164 |
| Cash dividends to net income (ytd only)* | -373.3491% | 5,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 1,092 |
| Loan loss allowance to noncurrent loans | 46.7254% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.1545% | 421 |
| Noncurrent loans to loans | 3.3614% | 279 |
| Net loans and leases to total assets | 59.9908% | 3,779 |
| Net loans and leases to deposits | 67.8174% | 3,994 |
| Net loans and leases to core deposits | 71.7230% | 4,009 |
| Total domestic deposits to total assets | 88.4593% | 1,088 |
| Equity capital to assets | 11.3429% | 2,376 |
| Core capital (leverage) ratio | 9.4351% | 4,193 |
| Tier 1 risk-based capital ratio | 13.0855% | 3,794 |
| Total risk-based capital ratio | 14.3360% | 3,687 |
| Memoranda: | ||
| Average total assets | $244,430,800 | 2,512 |
| Average earning assets | $216,229,200 | 2,589 |
| Average equity | $27,146,600 | 2,506 |
| Average total loans | $147,276,600 | 2,677 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,807 |
| Cost of funding earning assets | 0.5433% | 2,911 |
| Net interest margin | 3.4994% | 3,698 |
| Noninterest income to average assets | 0.5421% | 2,609 |
| Noninterest expense to average assets | 2.9748% | 2,089 |
| Loan and lease loss provision to assets | 0.7863% | 116 |
| Net operating income to assets | -0.1202% | 5,332 |
| Return on assets (ROA) | -0.1213% | 5,332 |
| Pretax return on assets | -0.1272% | 5,327 |
| Return on Equity (ROE) | -1.0973% | 5,338 |
| Retained earnings to average equity (ytd only) | -6.9154% | 5,350 |
| Net charge-offs to loans | 1.6090% | 73 |
| Credit loss provision to net charge-offs | 81.3266% | 2,514 |
| Earnings coverage of net charge-offs (x) | 0.6828% | 3,395 |
| Efficiency ratio | 81.8384% | 786 |
| Assets per employee ($millions) | 3.8214% | 4,148 |
| Cash dividends to net income (ytd only)* | -530.2277% | 5,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,365 |
| Loan loss allowance to noncurrent loans | 31.1558% | 4,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 262 |
| Noncurrent loans to loans | 4.7962% | 132 |
| Net loans and leases to total assets | 59.4184% | 3,906 |
| Net loans and leases to deposits | 66.9515% | 4,133 |
| Net loans and leases to core deposits | 72.7754% | 4,024 |
| Total domestic deposits to total assets | 88.7484% | 933 |
| Equity capital to assets | 11.1083% | 2,562 |
| Core capital (leverage) ratio | 9.3011% | 4,400 |
| Tier 1 risk-based capital ratio | 13.0803% | 3,858 |
| Total risk-based capital ratio | 14.3300% | 3,775 |
| Memoranda: | ||
| Average total assets | $247,405,000 | 2,506 |
| Average earning assets | $218,661,250 | 2,587 |
| Average equity | $27,339,250 | 2,501 |
| Average total loans | $148,664,500 | 2,674 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 3,952 |
| Cost of funding earning assets | 0.5326% | 2,746 |
| Net interest margin | 3.4082% | 3,930 |
| Noninterest income to average assets | 0.5881% | 2,393 |
| Noninterest expense to average assets | 2.9324% | 2,252 |
| Loan and lease loss provision to assets | 1.0488% | 75 |
| Net operating income to assets | -0.3598% | 5,424 |
| Return on assets (ROA) | -0.3613% | 5,420 |
| Pretax return on assets | -0.3798% | 5,416 |
| Return on Equity (ROE) | -3.2755% | 5,416 |
| Retained earnings to average equity (ytd only) | -9.0493% | 5,403 |
| Net charge-offs to loans | 1.9705% | 51 |
| Credit loss provision to net charge-offs | 88.6856% | 2,172 |
| Earnings coverage of net charge-offs (x) | 0.5671% | 3,120 |
| Efficiency ratio | 81.3876% | 885 |
| Assets per employee ($millions) | 4.0219% | 3,858 |
| Cash dividends to net income (ytd only)* | -176.2749% | 5,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6083% | 1,086 |
| Loan loss allowance to noncurrent loans | 35.4189% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 313 |
| Noncurrent loans to loans | 4.5408% | 167 |
| Net loans and leases to total assets | 57.3611% | 4,050 |
| Net loans and leases to deposits | 64.4437% | 4,254 |
| Net loans and leases to core deposits | 70.8149% | 4,098 |
| Total domestic deposits to total assets | 89.0097% | 932 |
| Equity capital to assets | 10.8339% | 2,803 |
| Core capital (leverage) ratio | 9.2767% | 4,383 |
| Tier 1 risk-based capital ratio | 13.4707% | 3,633 |
| Total risk-based capital ratio | 14.7222% | 3,545 |
| Memoranda: | ||
| Average total assets | $249,624,330 | 2,503 |
| Average earning assets | $220,823,000 | 2,582 |
| Average equity | $27,538,000 | 2,497 |
| Average total loans | $149,813,330 | 2,666 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 4,099 |
| Cost of funding earning assets | 0.5203% | 2,634 |
| Net interest margin | 3.3248% | 4,121 |
| Noninterest income to average assets | 0.4452% | 3,144 |
| Noninterest expense to average assets | 2.8764% | 2,455 |
| Loan and lease loss provision to assets | 1.8562% | 38 |
| Net operating income to assets | -1.2813% | 5,550 |
| Return on assets (ROA) | -1.2828% | 5,549 |
| Pretax return on assets | -1.3517% | 5,550 |
| Return on Equity (ROE) | -11.5254% | 5,540 |
| Retained earnings to average equity (ytd only) | -17.7557% | 5,484 |
| Net charge-offs to loans | 3.9439% | 25 |
| Credit loss provision to net charge-offs | 77.3182% | 1,768 |
| Earnings coverage of net charge-offs (x) | 0.2108% | 2,649 |
| Efficiency ratio | 85.0379% | 710 |
| Assets per employee ($millions) | 3.9871% | 4,003 |
| Cash dividends to net income (ytd only)* | -54.0574% | 5,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,694 |
| Loan loss allowance to noncurrent loans | 18.3537% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 4.7718% | 102 |
| Noncurrent loans to loans | 7.8411% | 52 |
| Net loans and leases to total assets | 59.9810% | 3,752 |
| Net loans and leases to deposits | 67.4247% | 3,990 |
| Net loans and leases to core deposits | 73.6936% | 3,842 |
| Total domestic deposits to total assets | 88.9600% | 1,109 |
| Equity capital to assets | 10.9506% | 2,633 |
| Core capital (leverage) ratio | 9.2985% | 4,328 |
| Tier 1 risk-based capital ratio | 12.7600% | 4,082 |
| Total risk-based capital ratio | 13.9827% | 3,989 |
| Memoranda: | ||
| Average total assets | $249,758,000 | 2,521 |
| Average earning assets | $220,644,500 | 2,606 |
| Average equity | $27,799,500 | 2,507 |
| Average total loans | $152,034,000 | 2,662 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 3,095 |
| Cost of funding earning assets | 0.4999% | 2,334 |
| Net interest margin | 3.5883% | 3,213 |
| Noninterest income to average assets | 0.4871% | 3,085 |
| Noninterest expense to average assets | 2.6020% | 3,439 |
| Loan and lease loss provision to assets | 0.6454% | 193 |
| Net operating income to assets | 0.3871% | 4,737 |
| Return on assets (ROA) | 0.3867% | 4,747 |
| Pretax return on assets | 0.3906% | 5,102 |
| Return on Equity (ROE) | 3.4222% | 4,712 |
| Retained earnings to average equity (ytd only) | -0.7841% | 5,159 |
| Net charge-offs to loans | 0.7511% | 274 |
| Credit loss provision to net charge-offs | 137.5000% | 1,927 |
| Earnings coverage of net charge-offs (x) | 2.2081% | 3,783 |
| Efficiency ratio | 71.5152% | 2,301 |
| Assets per employee ($millions) | 4.0696% | 3,856 |
| Cash dividends to net income (ytd only)* | 122.9124% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 1,073 |
| Loan loss allowance to noncurrent loans | 83.7793% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1850% | 1,253 |
| Noncurrent loans to loans | 1.9462% | 794 |
| Net loans and leases to total assets | 59.8951% | 3,842 |
| Net loans and leases to deposits | 67.6220% | 4,052 |
| Net loans and leases to core deposits | 73.5996% | 3,906 |
| Total domestic deposits to total assets | 88.5735% | 1,210 |
| Equity capital to assets | 11.3069% | 2,358 |
| Core capital (leverage) ratio | 9.6246% | 3,894 |
| Tier 1 risk-based capital ratio | 13.0051% | 3,900 |
| Total risk-based capital ratio | 14.2014% | 3,836 |
| Memoranda: | ||
| Average total assets | $253,962,200 | 2,462 |
| Average earning assets | $223,032,800 | 2,561 |
| Average equity | $28,695,000 | 2,450 |
| Average total loans | $158,700,000 | 2,561 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0637% | 3,117 |
| Cost of funding earning assets | 0.4959% | 2,301 |
| Net interest margin | 3.5678% | 3,265 |
| Noninterest income to average assets | 0.5268% | 2,857 |
| Noninterest expense to average assets | 2.5788% | 3,470 |
| Loan and lease loss provision to assets | 0.7805% | 139 |
| Net operating income to assets | 0.2946% | 5,224 |
| Return on assets (ROA) | 0.2940% | 5,248 |
| Pretax return on assets | 0.2972% | 5,312 |
| Return on Equity (ROE) | 2.6029% | 5,201 |
| Retained earnings to average equity (ytd only) | -1.5218% | 5,393 |
| Net charge-offs to loans | 0.6535% | 302 |
| Credit loss provision to net charge-offs | 189.9235% | 1,398 |
| Earnings coverage of net charge-offs (x) | 2.6237% | 3,443 |
| Efficiency ratio | 70.5174% | 2,451 |
| Assets per employee ($millions) | 4.1231% | 3,786 |
| Cash dividends to net income (ytd only)* | 158.4668% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 952 |
| Loan loss allowance to noncurrent loans | 34.0649% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 3.2759% | 257 |
| Noncurrent loans to loans | 5.1206% | 154 |
| Net loans and leases to total assets | 61.8814% | 3,668 |
| Net loans and leases to deposits | 69.9422% | 3,967 |
| Net loans and leases to core deposits | 76.8171% | 3,742 |
| Total domestic deposits to total assets | 88.4751% | 1,134 |
| Equity capital to assets | 11.3842% | 2,480 |
| Core capital (leverage) ratio | 9.5900% | 4,044 |
| Tier 1 risk-based capital ratio | 12.8851% | 4,092 |
| Total risk-based capital ratio | 14.1383% | 3,993 |
| Memoranda: | ||
| Average total assets | $254,373,750 | 2,479 |
| Average earning assets | $223,175,000 | 2,578 |
| Average equity | $28,736,500 | 2,462 |
| Average total loans | $159,967,500 | 2,565 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,028 |
| Cost of funding earning assets | 0.4875% | 2,273 |
| Net interest margin | 3.5560% | 3,197 |
| Noninterest income to average assets | 0.5742% | 2,583 |
| Noninterest expense to average assets | 2.5614% | 3,548 |
| Loan and lease loss provision to assets | 0.7253% | 147 |
| Net operating income to assets | 0.4026% | 4,977 |
| Return on assets (ROA) | 0.4018% | 5,006 |
| Pretax return on assets | 0.4065% | 5,169 |
| Return on Equity (ROE) | 3.5660% | 4,957 |
| Retained earnings to average equity (ytd only) | -1.2721% | 5,263 |
| Net charge-offs to loans | 0.9783% | 201 |
| Credit loss provision to net charge-offs | 117.9618% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1.8420% | 3,238 |
| Efficiency ratio | 69.3384% | 2,796 |
| Assets per employee ($millions) | 4.1573% | 3,701 |
| Cash dividends to net income (ytd only)* | 135.6725% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 2,067 |
| Loan loss allowance to noncurrent loans | 68.4833% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.3167% | 1,244 |
| Noncurrent loans to loans | 2.0076% | 837 |
| Net loans and leases to total assets | 62.2018% | 3,611 |
| Net loans and leases to deposits | 70.2954% | 3,888 |
| Net loans and leases to core deposits | 77.0715% | 3,673 |
| Total domestic deposits to total assets | 88.4863% | 1,211 |
| Equity capital to assets | 11.3552% | 2,454 |
| Core capital (leverage) ratio | 9.5442% | 4,075 |
| Tier 1 risk-based capital ratio | 12.9938% | 3,999 |
| Total risk-based capital ratio | 14.1908% | 3,957 |
| Memoranda: | ||
| Average total assets | $255,329,330 | 2,482 |
| Average earning assets | $224,016,670 | 2,587 |
| Average equity | $28,771,330 | 2,453 |
| Average total loans | $160,490,330 | 2,559 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 2,963 |
| Cost of funding earning assets | 0.4778% | 2,266 |
| Net interest margin | 3.5408% | 3,115 |
| Noninterest income to average assets | 0.7041% | 1,946 |
| Noninterest expense to average assets | 2.5496% | 3,660 |
| Loan and lease loss provision to assets | 1.1710% | 73 |
| Net operating income to assets | 0.0952% | 5,526 |
| Return on assets (ROA) | 0.0952% | 5,528 |
| Pretax return on assets | 0.0843% | 5,536 |
| Return on Equity (ROE) | 0.8484% | 5,520 |
| Retained earnings to average equity (ytd only) | -3.8944% | 5,326 |
| Net charge-offs to loans | 1.4804% | 107 |
| Credit loss provision to net charge-offs | 126.0504% | 1,341 |
| Earnings coverage of net charge-offs (x) | 1.3513% | 2,742 |
| Efficiency ratio | 67.0086% | 3,341 |
| Assets per employee ($millions) | 4.1792% | 3,698 |
| Cash dividends to net income (ytd only)* | 559.0164% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 2,189 |
| Loan loss allowance to noncurrent loans | 88.3081% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0465% | 1,726 |
| Noncurrent loans to loans | 1.5563% | 1,262 |
| Net loans and leases to total assets | 62.2953% | 3,491 |
| Net loans and leases to deposits | 70.2957% | 3,764 |
| Net loans and leases to core deposits | 77.0607% | 3,558 |
| Total domestic deposits to total assets | 88.6190% | 1,364 |
| Equity capital to assets | 11.2292% | 2,410 |
| Core capital (leverage) ratio | 9.5101% | 4,116 |
| Tier 1 risk-based capital ratio | 12.8167% | 4,192 |
| Total risk-based capital ratio | 14.0097% | 4,121 |
| Memoranda: | ||
| Average total assets | $256,197,000 | 2,493 |
| Average earning assets | $224,355,000 | 2,603 |
| Average equity | $28,759,000 | 2,460 |
| Average total loans | $160,766,000 | 2,568 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 3,498 |
| Cost of funding earning assets | 0.4627% | 2,422 |
| Net interest margin | 3.4571% | 3,598 |
| Noninterest income to average assets | 0.4421% | 3,601 |
| Noninterest expense to average assets | 2.5186% | 3,955 |
| Loan and lease loss provision to assets | 0.1475% | 1,689 |
| Net operating income to assets | 0.7782% | 3,409 |
| Return on assets (ROA) | 0.7782% | 3,516 |
| Pretax return on assets | 0.8213% | 4,125 |
| Return on Equity (ROE) | 6.9506% | 3,493 |
| Retained earnings to average equity (ytd only) | 2.3469% | 4,191 |
| Net charge-offs to loans | 0.1531% | 1,734 |
| Credit loss provision to net charge-offs | 151.3944% | 1,806 |
| Earnings coverage of net charge-offs (x) | 9.9442% | 2,703 |
| Efficiency ratio | 71.6416% | 2,641 |
| Assets per employee ($millions) | 4.1526% | 3,701 |
| Cash dividends to net income (ytd only)* | 66.2344% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,646 |
| Loan loss allowance to noncurrent loans | 68.6916% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 1,419 |
| Noncurrent loans to loans | 1.8666% | 1,001 |
| Net loans and leases to total assets | 61.5432% | 3,657 |
| Net loans and leases to deposits | 69.4821% | 3,960 |
| Net loans and leases to core deposits | 75.6988% | 3,770 |
| Total domestic deposits to total assets | 88.5741% | 1,338 |
| Equity capital to assets | 11.2215% | 2,395 |
| Core capital (leverage) ratio | 9.5399% | 4,030 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,107 |
| Total risk-based capital ratio | 14.0526% | 4,093 |
| Memoranda: | ||
| Average total assets | $257,642,200 | 2,455 |
| Average earning assets | $226,951,600 | 2,539 |
| Average equity | $28,846,600 | 2,465 |
| Average total loans | $163,964,000 | 2,475 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,493 |
| Cost of funding earning assets | 0.4560% | 2,497 |
| Net interest margin | 3.4732% | 3,571 |
| Noninterest income to average assets | 0.4936% | 3,297 |
| Noninterest expense to average assets | 2.5146% | 3,945 |
| Loan and lease loss provision to assets | 0.1164% | 1,989 |
| Net operating income to assets | 0.8811% | 3,005 |
| Return on assets (ROA) | 0.8811% | 3,125 |
| Pretax return on assets | 0.9287% | 3,877 |
| Return on Equity (ROE) | 7.8744% | 3,073 |
| Retained earnings to average equity (ytd only) | 3.6852% | 3,683 |
| Net charge-offs to loans | 0.1399% | 1,593 |
| Credit loss provision to net charge-offs | 130.0578% | 1,975 |
| Earnings coverage of net charge-offs (x) | 11.6764% | 2,463 |
| Efficiency ratio | 69.9273% | 2,897 |
| Assets per employee ($millions) | 4.0420% | 3,894 |
| Cash dividends to net income (ytd only)* | 53.2002% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 3,109 |
| Loan loss allowance to noncurrent loans | 65.0575% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 1,309 |
| Noncurrent loans to loans | 1.8795% | 1,074 |
| Net loans and leases to total assets | 62.8464% | 3,542 |
| Net loans and leases to deposits | 71.1610% | 3,870 |
| Net loans and leases to core deposits | 77.4289% | 3,711 |
| Total domestic deposits to total assets | 88.3158% | 1,227 |
| Equity capital to assets | 11.4816% | 2,528 |
| Core capital (leverage) ratio | 9.7059% | 3,933 |
| Tier 1 risk-based capital ratio | 13.3617% | 3,947 |
| Total risk-based capital ratio | 14.4570% | 3,936 |
| Memoranda: | ||
| Average total assets | $257,687,750 | 2,459 |
| Average earning assets | $227,486,000 | 2,543 |
| Average equity | $28,835,500 | 2,470 |
| Average total loans | $164,828,250 | 2,470 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 3,274 |
| Cost of funding earning assets | 0.4506% | 2,562 |
| Net interest margin | 3.5393% | 3,332 |
| Noninterest income to average assets | 0.5543% | 2,881 |
| Noninterest expense to average assets | 2.4824% | 4,077 |
| Loan and lease loss provision to assets | 0.1160% | 1,952 |
| Net operating income to assets | 1.0336% | 2,237 |
| Return on assets (ROA) | 1.0336% | 2,368 |
| Pretax return on assets | 1.0893% | 3,243 |
| Return on Equity (ROE) | 9.3165% | 2,351 |
| Retained earnings to average equity (ytd only) | 5.2819% | 2,559 |
| Net charge-offs to loans | 0.1231% | 1,610 |
| Credit loss provision to net charge-offs | 147.0588% | 1,616 |
| Earnings coverage of net charge-offs (x) | 15.2843% | 2,004 |
| Efficiency ratio | 66.6457% | 3,581 |
| Assets per employee ($millions) | 4.1064% | 3,727 |
| Cash dividends to net income (ytd only)* | 43.3059% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 3,249 |
| Loan loss allowance to noncurrent loans | 66.2978% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3696% | 1,441 |
| Noncurrent loans to loans | 1.8400% | 1,111 |
| Net loans and leases to total assets | 62.8801% | 3,521 |
| Net loans and leases to deposits | 71.2121% | 3,864 |
| Net loans and leases to core deposits | 77.7595% | 3,661 |
| Total domestic deposits to total assets | 88.2998% | 1,276 |
| Equity capital to assets | 11.4905% | 2,561 |
| Core capital (leverage) ratio | 9.5794% | 4,093 |
| Tier 1 risk-based capital ratio | 13.4426% | 3,942 |
| Total risk-based capital ratio | 14.5447% | 3,939 |
| Memoranda: | ||
| Average total assets | $258,702,670 | 2,464 |
| Average earning assets | $229,025,330 | 2,544 |
| Average equity | $28,701,670 | 2,479 |
| Average total loans | $165,766,000 | 2,466 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 3,388 |
| Cost of funding earning assets | 0.4476% | 2,612 |
| Net interest margin | 3.5068% | 3,447 |
| Noninterest income to average assets | 0.3758% | 4,030 |
| Noninterest expense to average assets | 2.4636% | 4,190 |
| Loan and lease loss provision to assets | 0.1150% | 1,818 |
| Net operating income to assets | 0.8836% | 2,839 |
| Return on assets (ROA) | 0.8836% | 2,963 |
| Pretax return on assets | 0.9219% | 3,757 |
| Return on Equity (ROE) | 8.1054% | 2,852 |
| Retained earnings to average equity (ytd only) | 3.9542% | 3,514 |
| Net charge-offs to loans | 0.0811% | 1,686 |
| Credit loss provision to net charge-offs | 220.5882% | 1,019 |
| Earnings coverage of net charge-offs (x) | 19.8824% | 1,489 |
| Efficiency ratio | 69.6757% | 3,191 |
| Assets per employee ($millions) | 4.2346% | 3,529 |
| Cash dividends to net income (ytd only)* | 51.2153% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 3,732 |
| Loan loss allowance to noncurrent loans | 73.2342% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,803 |
| Noncurrent loans to loans | 1.5775% | 1,474 |
| Net loans and leases to total assets | 64.1983% | 3,214 |
| Net loans and leases to deposits | 75.0485% | 3,319 |
| Net loans and leases to core deposits | 81.6298% | 3,163 |
| Total domestic deposits to total assets | 85.5423% | 2,893 |
| Equity capital to assets | 10.9097% | 3,033 |
| Core capital (leverage) ratio | 9.2171% | 4,579 |
| Tier 1 risk-based capital ratio | 12.6407% | 4,494 |
| Total risk-based capital ratio | 13.6942% | 4,525 |
| Memoranda: | ||
| Average total assets | $260,757,000 | 2,456 |
| Average earning assets | $232,350,000 | 2,525 |
| Average equity | $28,425,500 | 2,492 |
| Average total loans | $167,616,000 | 2,431 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9625% | 3,460 |
| Cost of funding earning assets | 0.4588% | 2,544 |
| Net interest margin | 3.5036% | 3,505 |
| Noninterest income to average assets | 0.4503% | 3,663 |
| Noninterest expense to average assets | 2.4160% | 4,477 |
| Loan and lease loss provision to assets | 0.1430% | 1,659 |
| Net operating income to assets | 0.9525% | 2,599 |
| Return on assets (ROA) | 0.9521% | 2,683 |
| Pretax return on assets | 1.0032% | 3,465 |
| Return on Equity (ROE) | 8.8712% | 2,518 |
| Retained earnings to average equity (ytd only) | 2.6442% | 4,190 |
| Net charge-offs to loans | 0.1139% | 2,237 |
| Credit loss provision to net charge-offs | 203.2787% | 1,372 |
| Earnings coverage of net charge-offs (x) | 16.2951% | 2,143 |
| Efficiency ratio | 67.1128% | 3,727 |
| Assets per employee ($millions) | 4.1769% | 3,614 |
| Cash dividends to net income (ytd only)* | 70.1939% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,638 |
| Loan loss allowance to noncurrent loans | 156.7019% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 3,231 |
| Noncurrent loans to loans | 0.7474% | 2,937 |
| Net loans and leases to total assets | 62.8583% | 3,437 |
| Net loans and leases to deposits | 72.7779% | 3,640 |
| Net loans and leases to core deposits | 79.3251% | 3,412 |
| Total domestic deposits to total assets | 86.3701% | 2,448 |
| Equity capital to assets | 10.8925% | 2,943 |
| Core capital (leverage) ratio | 9.1333% | 4,708 |
| Tier 1 risk-based capital ratio | 12.7537% | 4,475 |
| Total risk-based capital ratio | 13.8088% | 4,488 |
| Memoranda: | ||
| Average total assets | $260,057,400 | 2,421 |
| Average earning assets | $231,016,400 | 2,507 |
| Average equity | $27,910,600 | 2,467 |
| Average total loans | $160,718,800 | 2,457 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,547 |
| Cost of funding earning assets | 0.4612% | 2,564 |
| Net interest margin | 3.4882% | 3,585 |
| Noninterest income to average assets | 0.4507% | 3,713 |
| Noninterest expense to average assets | 2.3646% | 4,610 |
| Loan and lease loss provision to assets | 0.1367% | 1,635 |
| Net operating income to assets | 0.9951% | 2,495 |
| Return on assets (ROA) | 0.9946% | 2,584 |
| Pretax return on assets | 1.0474% | 3,427 |
| Return on Equity (ROE) | 9.3018% | 2,417 |
| Retained earnings to average equity (ytd only) | 3.4582% | 4,004 |
| Net charge-offs to loans | 0.1144% | 1,981 |
| Credit loss provision to net charge-offs | 194.8905% | 1,364 |
| Earnings coverage of net charge-offs (x) | 16.8834% | 2,084 |
| Efficiency ratio | 65.9163% | 3,902 |
| Assets per employee ($millions) | 4.2343% | 3,451 |
| Cash dividends to net income (ytd only)* | 62.8220% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 4,085 |
| Loan loss allowance to noncurrent loans | 94.2540% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 2,845 |
| Noncurrent loans to loans | 1.1940% | 2,139 |
| Net loans and leases to total assets | 62.5836% | 3,522 |
| Net loans and leases to deposits | 73.4032% | 3,605 |
| Net loans and leases to core deposits | 81.5386% | 3,302 |
| Total domestic deposits to total assets | 85.2600% | 2,904 |
| Equity capital to assets | 10.7933% | 3,250 |
| Core capital (leverage) ratio | 9.1778% | 4,764 |
| Tier 1 risk-based capital ratio | 12.4434% | 4,799 |
| Total risk-based capital ratio | 13.4406% | 4,871 |
| Memoranda: | ||
| Average total assets | $260,329,750 | 2,440 |
| Average earning assets | $231,250,000 | 2,518 |
| Average equity | $27,836,250 | 2,481 |
| Average total loans | $159,720,500 | 2,477 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9362% | 3,550 |
| Cost of funding earning assets | 0.4676% | 2,538 |
| Net interest margin | 3.4686% | 3,625 |
| Noninterest income to average assets | 0.4962% | 3,403 |
| Noninterest expense to average assets | 2.3498% | 4,712 |
| Loan and lease loss provision to assets | 0.1595% | 1,332 |
| Net operating income to assets | 1.0146% | 2,315 |
| Return on assets (ROA) | 1.0146% | 2,427 |
| Pretax return on assets | 1.0670% | 3,317 |
| Return on Equity (ROE) | 9.5193% | 2,292 |
| Retained earnings to average equity (ytd only) | 3.0575% | 4,098 |
| Net charge-offs to loans | 0.1295% | 1,725 |
| Credit loss provision to net charge-offs | 202.9412% | 1,215 |
| Earnings coverage of net charge-offs (x) | 15.6078% | 1,963 |
| Efficiency ratio | 65.0151% | 4,190 |
| Assets per employee ($millions) | 4.3123% | 3,283 |
| Cash dividends to net income (ytd only)* | 67.8815% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 4,169 |
| Loan loss allowance to noncurrent loans | 122.1046% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6333% | 3,521 |
| Noncurrent loans to loans | 0.9276% | 2,812 |
| Net loans and leases to total assets | 61.2202% | 3,662 |
| Net loans and leases to deposits | 72.7984% | 3,640 |
| Net loans and leases to core deposits | 80.9259% | 3,288 |
| Total domestic deposits to total assets | 84.0955% | 3,527 |
| Equity capital to assets | 10.6222% | 3,300 |
| Core capital (leverage) ratio | 8.9457% | 5,034 |
| Tier 1 risk-based capital ratio | 12.4268% | 4,862 |
| Total risk-based capital ratio | 13.4224% | 4,922 |
| Memoranda: | ||
| Average total assets | $259,598,330 | 2,457 |
| Average earning assets | $230,526,330 | 2,537 |
| Average equity | $27,670,000 | 2,502 |
| Average total loans | $157,571,670 | 2,515 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,904 |
| Cost of funding earning assets | 0.4706% | 2,561 |
| Net interest margin | 3.3554% | 4,002 |
| Noninterest income to average assets | 0.4405% | 3,691 |
| Noninterest expense to average assets | 2.3764% | 4,668 |
| Loan and lease loss provision to assets | 0.2280% | 764 |
| Net operating income to assets | 0.7740% | 3,394 |
| Return on assets (ROA) | 0.7740% | 3,534 |
| Pretax return on assets | 0.8221% | 4,163 |
| Return on Equity (ROE) | 7.2492% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.1331% | 5,028 |
| Net charge-offs to loans | 0.2376% | 1,003 |
| Credit loss provision to net charge-offs | 159.7826% | 1,208 |
| Earnings coverage of net charge-offs (x) | 7.3587% | 2,177 |
| Efficiency ratio | 68.6283% | 3,720 |
| Assets per employee ($millions) | 4.3572% | 3,272 |
| Cash dividends to net income (ytd only)* | 84.3687% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 4,290 |
| Loan loss allowance to noncurrent loans | 141.4500% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6862% | 3,432 |
| Noncurrent loans to loans | 0.8093% | 3,222 |
| Net loans and leases to total assets | 59.2903% | 3,760 |
| Net loans and leases to deposits | 69.8967% | 3,757 |
| Net loans and leases to core deposits | 76.9844% | 3,492 |
| Total domestic deposits to total assets | 84.8256% | 3,491 |
| Equity capital to assets | 10.5862% | 3,445 |
| Core capital (leverage) ratio | 8.9679% | 4,988 |
| Tier 1 risk-based capital ratio | 13.1030% | 4,550 |
| Total risk-based capital ratio | 13.1030% | 5,225 |
| Memoranda: | ||
| Average total assets | $257,871,500 | 2,486 |
| Average earning assets | $229,484,000 | 2,562 |
| Average equity | $27,534,000 | 2,533 |
| Average total loans | $154,914,500 | 2,553 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9400% | 3,967 |
| Cost of funding earning assets | 0.5357% | 2,330 |
| Net interest margin | 3.4043% | 4,182 |
| Noninterest income to average assets | 0.3866% | 4,286 |
| Noninterest expense to average assets | 2.4463% | 4,714 |
| Loan and lease loss provision to assets | 0.1570% | 1,673 |
| Net operating income to assets | 0.7894% | 3,431 |
| Return on assets (ROA) | 0.8049% | 3,442 |
| Pretax return on assets | 0.8433% | 4,098 |
| Return on Equity (ROE) | 7.6143% | 3,317 |
| Retained earnings to average equity (ytd only) | 5.6563% | 2,165 |
| Net charge-offs to loans | 0.2413% | 1,761 |
| Credit loss provision to net charge-offs | 110.9244% | 2,151 |
| Earnings coverage of net charge-offs (x) | 6.9524% | 3,112 |
| Efficiency ratio | 70.5617% | 3,448 |
| Assets per employee ($millions) | 4.1690% | 3,597 |
| Cash dividends to net income (ytd only)* | 25.7143% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1370% | 4,351 |
| Loan loss allowance to noncurrent loans | 85.7988% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0039% | 2,745 |
| Noncurrent loans to loans | 1.3252% | 2,219 |
| Net loans and leases to total assets | 59.4902% | 3,848 |
| Net loans and leases to deposits | 67.4855% | 4,174 |
| Net loans and leases to core deposits | 74.1685% | 3,907 |
| Total domestic deposits to total assets | 88.1526% | 1,683 |
| Equity capital to assets | 10.7711% | 3,154 |
| Core capital (leverage) ratio | 9.0402% | 4,929 |
| Tier 1 risk-based capital ratio | 12.1834% | 5,241 |
| Total risk-based capital ratio | 13.1245% | 5,354 |
| Memoranda: | ||
| Average total assets | $252,212,600 | 2,502 |
| Average earning assets | $225,506,400 | 2,569 |
| Average equity | $26,660,400 | 2,516 |
| Average total loans | $147,918,200 | 2,602 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9304% | 4,050 |
| Cost of funding earning assets | 0.5501% | 2,291 |
| Net interest margin | 3.3804% | 4,310 |
| Noninterest income to average assets | 0.4132% | 4,151 |
| Noninterest expense to average assets | 2.4924% | 4,555 |
| Loan and lease loss provision to assets | 0.1859% | 1,318 |
| Net operating income to assets | 0.7245% | 3,816 |
| Return on assets (ROA) | 0.7453% | 3,794 |
| Pretax return on assets | 0.7777% | 4,436 |
| Return on Equity (ROE) | 7.0851% | 3,665 |
| Retained earnings to average equity (ytd only) | 5.8010% | 2,537 |
| Net charge-offs to loans | 0.2610% | 1,495 |
| Credit loss provision to net charge-offs | 122.2997% | 1,887 |
| Earnings coverage of net charge-offs (x) | 6.1951% | 3,127 |
| Efficiency ratio | 71.8186% | 3,218 |
| Assets per employee ($millions) | 4.2259% | 3,425 |
| Cash dividends to net income (ytd only)* | 18.1236% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,373 |
| Loan loss allowance to noncurrent loans | 87.9860% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.0590% | 2,843 |
| Noncurrent loans to loans | 1.3320% | 2,418 |
| Net loans and leases to total assets | 58.7018% | 3,974 |
| Net loans and leases to deposits | 66.4546% | 4,283 |
| Net loans and leases to core deposits | 73.5015% | 3,992 |
| Total domestic deposits to total assets | 88.3337% | 1,584 |
| Equity capital to assets | 10.6625% | 3,352 |
| Core capital (leverage) ratio | 8.9508% | 5,134 |
| Tier 1 risk-based capital ratio | 13.6825% | 4,424 |
| Total risk-based capital ratio | 14.7727% | 4,466 |
| Memoranda: | ||
| Average total assets | $251,688,500 | 2,524 |
| Average earning assets | $224,941,500 | 2,590 |
| Average equity | $26,477,500 | 2,532 |
| Average total loans | $146,640,500 | 2,634 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,013 |
| Cost of funding earning assets | 0.5758% | 2,110 |
| Net interest margin | 3.3547% | 4,380 |
| Noninterest income to average assets | 0.3991% | 4,252 |
| Noninterest expense to average assets | 2.5188% | 4,520 |
| Loan and lease loss provision to assets | 0.2438% | 912 |
| Net operating income to assets | 0.6099% | 4,313 |
| Return on assets (ROA) | 0.6413% | 4,247 |
| Pretax return on assets | 0.6675% | 4,743 |
| Return on Equity (ROE) | 6.1236% | 4,090 |
| Retained earnings to average equity (ytd only) | 6.1236% | 2,248 |
| Net charge-offs to loans | 0.3606% | 1,135 |
| Credit loss provision to net charge-offs | 116.7939% | 1,745 |
| Earnings coverage of net charge-offs (x) | 4.2099% | 3,156 |
| Efficiency ratio | 73.3880% | 3,089 |
| Assets per employee ($millions) | 4.1062% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 4,459 |
| Loan loss allowance to noncurrent loans | 57.9542% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4572% | 2,236 |
| Noncurrent loans to loans | 2.0576% | 1,633 |
| Net loans and leases to total assets | 57.7255% | 4,024 |
| Net loans and leases to deposits | 64.7702% | 4,406 |
| Net loans and leases to core deposits | 71.1140% | 4,140 |
| Total domestic deposits to total assets | 89.1236% | 1,290 |
| Equity capital to assets | 10.6860% | 3,215 |
| Core capital (leverage) ratio | 8.8785% | 5,195 |
| Tier 1 risk-based capital ratio | 13.8618% | 4,341 |
| Total risk-based capital ratio | 14.9720% | 4,381 |
| Memoranda: | ||
| Average total assets | $251,067,670 | 2,534 |
| Average earning assets | $224,400,000 | 2,598 |
| Average equity | $26,291,670 | 2,543 |
| Average total loans | $145,319,330 | 2,648 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,160 |
| Cost of funding earning assets | 0.6126% | 1,872 |
| Net interest margin | 3.2689% | 4,676 |
| Noninterest income to average assets | 0.6206% | 2,615 |
| Noninterest expense to average assets | 2.5127% | 4,581 |
| Loan and lease loss provision to assets | 0.3501% | 505 |
| Net operating income to assets | 0.6557% | 3,920 |
| Return on assets (ROA) | 0.7177% | 3,674 |
| Pretax return on assets | 0.7527% | 4,298 |
| Return on Equity (ROE) | 6.9239% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.9239% | 2,080 |
| Net charge-offs to loans | 0.5110% | 722 |
| Credit loss provision to net charge-offs | 118.9189% | 1,468 |
| Earnings coverage of net charge-offs (x) | 3.5243% | 2,671 |
| Efficiency ratio | 70.0583% | 3,831 |
| Assets per employee ($millions) | 4.1793% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 4,683 |
| Loan loss allowance to noncurrent loans | 29.1912% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 2.5627% | 1,234 |
| Noncurrent loans to loans | 4.0766% | 652 |
| Net loans and leases to total assets | 57.4848% | 3,924 |
| Net loans and leases to deposits | 65.6178% | 4,137 |
| Net loans and leases to core deposits | 72.6070% | 3,807 |
| Total domestic deposits to total assets | 87.6054% | 2,458 |
| Equity capital to assets | 10.4991% | 3,246 |
| Core capital (leverage) ratio | 8.7197% | 5,357 |
| Tier 1 risk-based capital ratio | 13.5245% | 4,666 |
| Total risk-based capital ratio | 14.6207% | 4,723 |
| Memoranda: | ||
| Average total assets | $251,363,000 | 2,544 |
| Average earning assets | $225,275,000 | 2,604 |
| Average equity | $26,054,500 | 2,544 |
| Average total loans | $144,812,000 | 2,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,449 |
| Cost of funding earning assets | 0.7808% | 1,319 |
| Net interest margin | 3.3913% | 4,310 |
| Noninterest income to average assets | 0.3818% | 4,578 |
| Noninterest expense to average assets | 2.3771% | 5,137 |
| Loan and lease loss provision to assets | 0.1788% | 2,066 |
| Net operating income to assets | 0.7791% | 3,395 |
| Return on assets (ROA) | 0.7791% | 3,502 |
| Pretax return on assets | 0.8208% | 4,069 |
| Return on Equity (ROE) | 7.7875% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.7875% | 1,125 |
| Net charge-offs to loans | 0.4128% | 1,625 |
| Credit loss provision to net charge-offs | 75.0416% | 3,171 |
| Earnings coverage of net charge-offs (x) | 4.1947% | 3,640 |
| Efficiency ratio | 69.6336% | 3,894 |
| Assets per employee ($millions) | 4.1995% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1834% | 4,739 |
| Loan loss allowance to noncurrent loans | 55.4795% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 2,619 |
| Noncurrent loans to loans | 2.1330% | 1,842 |
| Net loans and leases to total assets | 56.3720% | 4,263 |
| Net loans and leases to deposits | 62.9455% | 4,617 |
| Net loans and leases to core deposits | 69.6925% | 4,314 |
| Total domestic deposits to total assets | 89.5567% | 1,297 |
| Equity capital to assets | 10.2321% | 3,467 |
| Core capital (leverage) ratio | 8.4944% | 5,677 |
| Tier 1 risk-based capital ratio | 13.3477% | 4,749 |
| Total risk-based capital ratio | 14.4314% | 4,800 |
| Memoranda: | ||
| Average total assets | $252,198,000 | 2,506 |
| Average earning assets | $222,714,200 | 2,587 |
| Average equity | $25,232,600 | 2,610 |
| Average total loans | $145,601,600 | 2,621 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 3,320 |
| Cost of funding earning assets | 0.8072% | 1,283 |
| Net interest margin | 3.4095% | 4,248 |
| Noninterest income to average assets | 0.3858% | 4,634 |
| Noninterest expense to average assets | 2.3801% | 5,079 |
| Loan and lease loss provision to assets | 0.1987% | 1,827 |
| Net operating income to assets | 0.7696% | 3,511 |
| Return on assets (ROA) | 0.7696% | 3,635 |
| Pretax return on assets | 0.8097% | 4,254 |
| Return on Equity (ROE) | 7.7356% | 3,270 |
| Retained earnings to average equity (ytd only) | 7.7356% | 1,532 |
| Net charge-offs to loans | 0.4601% | 1,392 |
| Credit loss provision to net charge-offs | 74.6032% | 2,974 |
| Earnings coverage of net charge-offs (x) | 3.7857% | 3,612 |
| Efficiency ratio | 69.4743% | 3,843 |
| Assets per employee ($millions) | 4.0272% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 4,789 |
| Loan loss allowance to noncurrent loans | 54.5081% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.4939% | 2,693 |
| Noncurrent loans to loans | 2.2360% | 1,971 |
| Net loans and leases to total assets | 55.9291% | 4,331 |
| Net loans and leases to deposits | 62.4077% | 4,704 |
| Net loans and leases to core deposits | 68.9174% | 4,439 |
| Total domestic deposits to total assets | 89.6189% | 1,212 |
| Equity capital to assets | 10.1632% | 3,685 |
| Core capital (leverage) ratio | 8.3639% | 5,895 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,874 |
| Total risk-based capital ratio | 14.4720% | 4,908 |
| Memoranda: | ||
| Average total assets | $252,254,750 | 2,526 |
| Average earning assets | $222,157,500 | 2,608 |
| Average equity | $25,095,250 | 2,645 |
| Average total loans | $146,066,500 | 2,635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 3,101 |
| Cost of funding earning assets | 0.8189% | 1,310 |
| Net interest margin | 3.4454% | 4,019 |
| Noninterest income to average assets | 0.3832% | 4,645 |
| Noninterest expense to average assets | 2.3484% | 5,216 |
| Loan and lease loss provision to assets | 0.2378% | 1,559 |
| Net operating income to assets | 0.7878% | 3,364 |
| Return on assets (ROA) | 0.7878% | 3,527 |
| Pretax return on assets | 0.8289% | 4,202 |
| Return on Equity (ROE) | 7.9755% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.9755% | 1,500 |
| Net charge-offs to loans | 0.5148% | 1,275 |
| Credit loss provision to net charge-offs | 79.2105% | 2,643 |
| Earnings coverage of net charge-offs (x) | 3.5526% | 3,363 |
| Efficiency ratio | 68.0241% | 4,182 |
| Assets per employee ($millions) | 3.9761% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 4,961 |
| Loan loss allowance to noncurrent loans | 64.4833% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 3,045 |
| Noncurrent loans to loans | 1.8693% | 2,536 |
| Net loans and leases to total assets | 57.9804% | 3,988 |
| Net loans and leases to deposits | 64.5129% | 4,434 |
| Net loans and leases to core deposits | 71.1989% | 4,147 |
| Total domestic deposits to total assets | 89.8740% | 1,100 |
| Equity capital to assets | 9.9048% | 4,044 |
| Core capital (leverage) ratio | 8.0064% | 6,180 |
| Tier 1 risk-based capital ratio | 12.6291% | 5,411 |
| Total risk-based capital ratio | 13.7508% | 5,439 |
| Memoranda: | ||
| Average total assets | $253,111,670 | 2,527 |
| Average earning assets | $222,730,670 | 2,612 |
| Average equity | $25,001,670 | 2,664 |
| Average total loans | $147,632,330 | 2,606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2966% | 2,906 |
| Cost of funding earning assets | 0.8285% | 1,375 |
| Net interest margin | 3.4681% | 3,826 |
| Noninterest income to average assets | 0.3978% | 4,475 |
| Noninterest expense to average assets | 2.3080% | 5,404 |
| Loan and lease loss provision to assets | 0.3553% | 916 |
| Net operating income to assets | 0.7720% | 3,322 |
| Return on assets (ROA) | 0.7720% | 3,457 |
| Pretax return on assets | 0.7814% | 4,245 |
| Return on Equity (ROE) | 7.8256% | 3,067 |
| Retained earnings to average equity (ytd only) | 7.8256% | 1,816 |
| Net charge-offs to loans | 0.7706% | 792 |
| Credit loss provision to net charge-offs | 79.2982% | 2,161 |
| Earnings coverage of net charge-offs (x) | 2.5368% | 3,010 |
| Efficiency ratio | 66.2711% | 4,618 |
| Assets per employee ($millions) | 4.0660% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,080 |
| Loan loss allowance to noncurrent loans | 51.5091% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 1.7044% | 2,738 |
| Noncurrent loans to loans | 2.3727% | 2,193 |
| Net loans and leases to total assets | 56.5423% | 4,002 |
| Net loans and leases to deposits | 62.8484% | 4,435 |
| Net loans and leases to core deposits | 68.8787% | 4,198 |
| Total domestic deposits to total assets | 89.9662% | 1,073 |
| Equity capital to assets | 9.8757% | 4,310 |
| Core capital (leverage) ratio | 7.9662% | 6,178 |
| Tier 1 risk-based capital ratio | 11.4527% | 6,209 |
| Total risk-based capital ratio | 12.5090% | 6,264 |
| Memoranda: | ||
| Average total assets | $254,420,000 | 2,538 |
| Average earning assets | $223,524,000 | 2,630 |
| Average equity | $25,097,000 | 2,697 |
| Average total loans | $147,943,500 | 2,614 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8040% | 2,175 |
| Cost of funding earning assets | 1.0843% | 963 |
| Net interest margin | 3.7197% | 3,558 |
| Noninterest income to average assets | 0.4146% | 4,497 |
| Noninterest expense to average assets | 2.4551% | 5,236 |
| Loan and lease loss provision to assets | 0.2541% | 2,619 |
| Net operating income to assets | 0.9290% | 2,655 |
| Return on assets (ROA) | 0.9290% | 2,905 |
| Pretax return on assets | 0.9803% | 3,617 |
| Return on Equity (ROE) | 9.1385% | 2,570 |
| Retained earnings to average equity (ytd only) | 2.1394% | 4,726 |
| Net charge-offs to loans | 0.2466% | 3,462 |
| Credit loss provision to net charge-offs | 162.0779% | 1,660 |
| Earnings coverage of net charge-offs (x) | 7.8727% | 2,514 |
| Efficiency ratio | 65.8240% | 4,539 |
| Assets per employee ($millions) | 4.0109% | 3,925 |
| Cash dividends to net income (ytd only)* | 76.5892% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 4,932 |
| Loan loss allowance to noncurrent loans | 38.9029% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 2.1663% | 2,268 |
| Noncurrent loans to loans | 3.1877% | 1,622 |
| Net loans and leases to total assets | 58.3367% | 3,916 |
| Net loans and leases to deposits | 64.9286% | 4,436 |
| Net loans and leases to core deposits | 71.2570% | 4,139 |
| Total domestic deposits to total assets | 89.8474% | 1,042 |
| Equity capital to assets | 9.8530% | 4,374 |
| Core capital (leverage) ratio | 7.6940% | 6,408 |
| Tier 1 risk-based capital ratio | 11.9160% | 5,831 |
| Total risk-based capital ratio | 13.0817% | 5,851 |
| Memoranda: | ||
| Average total assets | $245,531,000 | 2,568 |
| Average earning assets | $216,175,200 | 2,657 |
| Average equity | $24,960,200 | 2,658 |
| Average total loans | $156,101,800 | 2,485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9157% | 1,948 |
| Cost of funding earning assets | 1.1223% | 973 |
| Net interest margin | 3.7934% | 3,362 |
| Noninterest income to average assets | 0.3993% | 4,641 |
| Noninterest expense to average assets | 2.4375% | 5,282 |
| Loan and lease loss provision to assets | 0.3091% | 2,139 |
| Net operating income to assets | 0.9496% | 2,746 |
| Return on assets (ROA) | 0.9496% | 2,977 |
| Pretax return on assets | 1.0010% | 3,706 |
| Return on Equity (ROE) | 9.2673% | 2,688 |
| Retained earnings to average equity (ytd only) | 2.1781% | 5,240 |
| Net charge-offs to loans | 0.2552% | 3,193 |
| Credit loss provision to net charge-offs | 187.0861% | 1,479 |
| Earnings coverage of net charge-offs (x) | 7.9304% | 2,527 |
| Efficiency ratio | 64.3264% | 4,753 |
| Assets per employee ($millions) | 3.9148% | 4,046 |
| Cash dividends to net income (ytd only)* | 76.4976% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 4,946 |
| Loan loss allowance to noncurrent loans | 48.0154% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 2,674 |
| Noncurrent loans to loans | 2.6459% | 2,144 |
| Net loans and leases to total assets | 59.0813% | 3,949 |
| Net loans and leases to deposits | 65.9486% | 4,474 |
| Net loans and leases to core deposits | 72.5591% | 4,187 |
| Total domestic deposits to total assets | 89.5870% | 1,078 |
| Equity capital to assets | 10.1568% | 4,267 |
| Core capital (leverage) ratio | 7.7668% | 6,486 |
| Tier 1 risk-based capital ratio | 11.9737% | 5,955 |
| Total risk-based capital ratio | 13.1692% | 5,968 |
| Memoranda: | ||
| Average total assets | $243,742,500 | 2,614 |
| Average earning assets | $215,140,000 | 2,695 |
| Average equity | $24,976,000 | 2,688 |
| Average total loans | $157,812,500 | 2,484 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9907% | 1,811 |
| Cost of funding earning assets | 1.1612% | 974 |
| Net interest margin | 3.8294% | 3,223 |
| Noninterest income to average assets | 0.4102% | 4,578 |
| Noninterest expense to average assets | 2.3923% | 5,486 |
| Loan and lease loss provision to assets | 0.2183% | 2,891 |
| Net operating income to assets | 1.1261% | 1,959 |
| Return on assets (ROA) | 1.1261% | 2,172 |
| Pretax return on assets | 1.1846% | 2,999 |
| Return on Equity (ROE) | 10.9573% | 2,006 |
| Retained earnings to average equity (ytd only) | 4.0158% | 3,937 |
| Net charge-offs to loans | 0.3275% | 2,721 |
| Credit loss provision to net charge-offs | 100.3788% | 2,706 |
| Earnings coverage of net charge-offs (x) | 6.4508% | 2,638 |
| Efficiency ratio | 62.3399% | 5,194 |
| Assets per employee ($millions) | 3.8770% | 4,132 |
| Cash dividends to net income (ytd only)* | 63.3504% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 6,027 |
| Loan loss allowance to noncurrent loans | 35.7333% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 2.1843% | 2,554 |
| Noncurrent loans to loans | 2.8860% | 2,075 |
| Net loans and leases to total assets | 63.3774% | 3,168 |
| Net loans and leases to deposits | 70.8776% | 3,779 |
| Net loans and leases to core deposits | 77.3804% | 3,604 |
| Total domestic deposits to total assets | 89.4181% | 1,263 |
| Equity capital to assets | 10.3006% | 3,935 |
| Core capital (leverage) ratio | 7.9003% | 6,368 |
| Tier 1 risk-based capital ratio | 11.5594% | 6,184 |
| Total risk-based capital ratio | 12.5483% | 6,314 |
| Memoranda: | ||
| Average total assets | $242,779,000 | 2,628 |
| Average earning assets | $214,601,000 | 2,707 |
| Average equity | $24,951,330 | 2,677 |
| Average total loans | $161,220,330 | 2,449 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1012% | 1,568 |
| Cost of funding earning assets | 1.2116% | 936 |
| Net interest margin | 3.8896% | 2,968 |
| Noninterest income to average assets | 0.5272% | 3,716 |
| Noninterest expense to average assets | 2.3682% | 5,576 |
| Loan and lease loss provision to assets | 0.1900% | 3,054 |
| Net operating income to assets | 1.3518% | 1,316 |
| Return on assets (ROA) | 1.3518% | 1,469 |
| Pretax return on assets | 1.4229% | 2,111 |
| Return on Equity (ROE) | 13.1683% | 1,363 |
| Retained earnings to average equity (ytd only) | 5.0548% | 3,522 |
| Net charge-offs to loans | 0.1516% | 3,186 |
| Credit loss provision to net charge-offs | 185.4839% | 1,414 |
| Earnings coverage of net charge-offs (x) | 15.7419% | 1,408 |
| Efficiency ratio | 58.8211% | 5,798 |
| Assets per employee ($millions) | 3.8585% | 4,293 |
| Cash dividends to net income (ytd only)* | 61.6137% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,207 |
| Loan loss allowance to noncurrent loans | 45.1954% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 3,007 |
| Noncurrent loans to loans | 2.2322% | 2,885 |
| Net loans and leases to total assets | 67.2072% | 2,251 |
| Net loans and leases to deposits | 75.8892% | 2,809 |
| Net loans and leases to core deposits | 82.6760% | 2,733 |
| Total domestic deposits to total assets | 88.5597% | 1,975 |
| Equity capital to assets | 10.2815% | 3,751 |
| Core capital (leverage) ratio | 7.8747% | 6,353 |
| Tier 1 risk-based capital ratio | 11.0788% | 6,504 |
| Total risk-based capital ratio | 12.0677% | 6,602 |
| Memoranda: | ||
| Average total assets | $242,044,500 | 2,644 |
| Average earning assets | $214,929,500 | 2,709 |
| Average equity | $24,847,500 | 2,677 |
| Average total loans | $163,625,000 | 2,429 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 2,484 |
| Cost of funding earning assets | 1.4755% | 791 |
| Net interest margin | 3.6162% | 4,669 |
| Noninterest income to average assets | 0.3850% | 4,745 |
| Noninterest expense to average assets | 2.5281% | 5,361 |
| Loan and lease loss provision to assets | 0.1721% | 4,477 |
| Net operating income to assets | 0.8853% | 2,663 |
| Return on assets (ROA) | 0.8890% | 2,778 |
| Pretax return on assets | 0.9157% | 3,558 |
| Return on Equity (ROE) | 8.7207% | 2,581 |
| Retained earnings to average equity (ytd only) | 3.6305% | 3,627 |
| Net charge-offs to loans | 0.1961% | 4,576 |
| Credit loss provision to net charge-offs | 133.9934% | 2,257 |
| Earnings coverage of net charge-offs (x) | 8.4389% | 2,145 |
| Efficiency ratio | 69.2254% | 4,105 |
| Assets per employee ($millions) | 3.8254% | 4,258 |
| Cash dividends to net income (ytd only)* | 58.3691% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 6,256 |
| Loan loss allowance to noncurrent loans | 45.7565% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 1.6685% | 3,452 |
| Noncurrent loans to loans | 2.1718% | 2,982 |
| Net loans and leases to total assets | 66.6389% | 2,655 |
| Net loans and leases to deposits | 74.5788% | 3,405 |
| Net loans and leases to core deposits | 81.3100% | 3,282 |
| Total domestic deposits to total assets | 89.3536% | 1,330 |
| Equity capital to assets | 10.2497% | 3,852 |
| Core capital (leverage) ratio | 7.7818% | 6,456 |
| Tier 1 risk-based capital ratio | 11.0495% | 6,425 |
| Total risk-based capital ratio | 12.0216% | 6,552 |
| Memoranda: | ||
| Average total assets | $235,872,600 | 2,673 |
| Average earning assets | $210,499,800 | 2,724 |
| Average equity | $24,046,200 | 2,663 |
| Average total loans | $154,547,800 | 2,571 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0452% | 2,865 |
| Cost of funding earning assets | 1.5122% | 823 |
| Net interest margin | 3.5330% | 5,046 |
| Noninterest income to average assets | 0.3683% | 4,924 |
| Noninterest expense to average assets | 2.5536% | 5,264 |
| Loan and lease loss provision to assets | 0.1569% | 4,506 |
| Net operating income to assets | 0.7934% | 3,195 |
| Return on assets (ROA) | 0.7934% | 3,359 |
| Pretax return on assets | 0.8116% | 4,084 |
| Return on Equity (ROE) | 7.7936% | 3,140 |
| Retained earnings to average equity (ytd only) | 2.1494% | 5,053 |
| Net charge-offs to loans | 0.2096% | 4,120 |
| Credit loss provision to net charge-offs | 115.0000% | 2,842 |
| Earnings coverage of net charge-offs (x) | 7.1000% | 2,422 |
| Efficiency ratio | 71.7121% | 3,613 |
| Assets per employee ($millions) | 3.5826% | 4,800 |
| Cash dividends to net income (ytd only)* | 72.4213% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 6,255 |
| Loan loss allowance to noncurrent loans | 37.6829% | 5,768 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 3,249 |
| Noncurrent loans to loans | 2.6595% | 2,618 |
| Net loans and leases to total assets | 64.5448% | 3,195 |
| Net loans and leases to deposits | 72.5767% | 3,876 |
| Net loans and leases to core deposits | 79.1546% | 3,753 |
| Total domestic deposits to total assets | 88.9331% | 1,461 |
| Equity capital to assets | 10.2976% | 3,957 |
| Core capital (leverage) ratio | 7.6916% | 6,646 |
| Tier 1 risk-based capital ratio | 11.2074% | 6,425 |
| Total risk-based capital ratio | 12.1792% | 6,562 |
| Memoranda: | ||
| Average total assets | $234,590,250 | 2,693 |
| Average earning assets | $209,409,750 | 2,742 |
| Average equity | $23,882,250 | 2,684 |
| Average total loans | $152,631,500 | 2,626 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0481% | 2,939 |
| Cost of funding earning assets | 1.5330% | 884 |
| Net interest margin | 3.5151% | 5,088 |
| Noninterest income to average assets | 0.3958% | 4,716 |
| Noninterest expense to average assets | 2.5730% | 5,283 |
| Loan and lease loss provision to assets | 0.1282% | 4,687 |
| Net operating income to assets | 0.8206% | 2,977 |
| Return on assets (ROA) | 0.8206% | 3,095 |
| Pretax return on assets | 0.8249% | 3,929 |
| Return on Equity (ROE) | 8.0922% | 2,908 |
| Retained earnings to average equity (ytd only) | 3.0514% | 4,336 |
| Net charge-offs to loans | 0.2879% | 3,436 |
| Credit loss provision to net charge-offs | 68.4932% | 4,092 |
| Earnings coverage of net charge-offs (x) | 5.0913% | 2,694 |
| Efficiency ratio | 72.1939% | 3,695 |
| Assets per employee ($millions) | 3.4131% | 5,167 |
| Cash dividends to net income (ytd only)* | 62.2917% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 6,520 |
| Loan loss allowance to noncurrent loans | 46.1538% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 1.5040% | 3,946 |
| Noncurrent loans to loans | 2.0531% | 3,405 |
| Net loans and leases to total assets | 63.9179% | 3,479 |
| Net loans and leases to deposits | 71.5315% | 4,197 |
| Net loans and leases to core deposits | 77.8546% | 4,069 |
| Total domestic deposits to total assets | 89.3564% | 1,328 |
| Equity capital to assets | 10.2759% | 3,787 |
| Core capital (leverage) ratio | 7.7178% | 6,571 |
| Tier 1 risk-based capital ratio | 11.3111% | 6,312 |
| Total risk-based capital ratio | 12.2272% | 6,524 |
| Memoranda: | ||
| Average total assets | $233,969,330 | 2,717 |
| Average earning assets | $208,356,000 | 2,777 |
| Average equity | $23,726,670 | 2,678 |
| Average total loans | $152,121,000 | 2,657 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0069% | 3,080 |
| Cost of funding earning assets | 1.5332% | 1,041 |
| Net interest margin | 3.4737% | 5,128 |
| Noninterest income to average assets | 0.4888% | 3,978 |
| Noninterest expense to average assets | 2.7221% | 4,744 |
| Loan and lease loss provision to assets | 0.1286% | 4,386 |
| Net operating income to assets | 0.7376% | 3,335 |
| Return on assets (ROA) | 0.7376% | 3,402 |
| Pretax return on assets | 0.7393% | 4,149 |
| Return on Equity (ROE) | 7.3223% | 3,234 |
| Retained earnings to average equity (ytd only) | 0.4257% | 5,649 |
| Net charge-offs to loans | 0.4100% | 2,458 |
| Credit loss provision to net charge-offs | 48.0769% | 3,797 |
| Earnings coverage of net charge-offs (x) | 3.2436% | 2,806 |
| Efficiency ratio | 75.0597% | 3,322 |
| Assets per employee ($millions) | 3.4095% | 5,218 |
| Cash dividends to net income (ytd only)* | 94.1860% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,620 |
| Loan loss allowance to noncurrent loans | 50.7282% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.4044% | 4,174 |
| Noncurrent loans to loans | 1.8341% | 3,787 |
| Net loans and leases to total assets | 64.6344% | 3,325 |
| Net loans and leases to deposits | 72.0602% | 4,068 |
| Net loans and leases to core deposits | 76.2823% | 4,268 |
| Total domestic deposits to total assets | 89.6950% | 1,361 |
| Equity capital to assets | 9.9854% | 3,791 |
| Core capital (leverage) ratio | 7.6759% | 6,577 |
| Tier 1 risk-based capital ratio | 10.9691% | 6,529 |
| Total risk-based capital ratio | 11.8680% | 6,722 |
| Memoranda: | ||
| Average total assets | $233,203,000 | 2,746 |
| Average earning assets | $208,193,000 | 2,806 |
| Average equity | $23,490,000 | 2,690 |
| Average total loans | $152,197,500 | 2,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1989% | 3,615 |
| Cost of funding earning assets | 1.7529% | 1,369 |
| Net interest margin | 3.4460% | 5,453 |
| Noninterest income to average assets | 0.4061% | 4,861 |
| Noninterest expense to average assets | 2.4917% | 5,828 |
| Loan and lease loss provision to assets | 0.4816% | 3,245 |
| Net operating income to assets | 0.4923% | 4,138 |
| Return on assets (ROA) | 0.5043% | 4,240 |
| Pretax return on assets | 0.5309% | 4,528 |
| Return on Equity (ROE) | 4.8823% | 4,120 |
| Retained earnings to average equity (ytd only) | -0.7687% | 5,760 |
| Net charge-offs to loans | 0.6789% | 2,970 |
| Credit loss provision to net charge-offs | 109.4153% | 4,030 |
| Earnings coverage of net charge-offs (x) | 2.2716% | 4,021 |
| Efficiency ratio | 70.5522% | 4,061 |
| Assets per employee ($millions) | 3.3500% | 5,307 |
| Cash dividends to net income (ytd only)* | 115.7439% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,389 |
| Loan loss allowance to noncurrent loans | 46.0623% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 3,754 |
| Noncurrent loans to loans | 2.1708% | 3,346 |
| Net loans and leases to total assets | 64.6341% | 3,743 |
| Net loans and leases to deposits | 72.2274% | 4,478 |
| Net loans and leases to core deposits | 76.6299% | 4,625 |
| Total domestic deposits to total assets | 89.4870% | 1,386 |
| Equity capital to assets | 10.1617% | 3,544 |
| Core capital (leverage) ratio | 7.6807% | 6,561 |
| Tier 1 risk-based capital ratio | 11.1744% | 6,198 |
| Total risk-based capital ratio | 12.1444% | 6,391 |
| Memoranda: | ||
| Average total assets | $229,240,000 | 2,767 |
| Average earning assets | $205,254,200 | 2,804 |
| Average equity | $23,677,200 | 2,684 |
| Average total loans | $148,632,000 | 2,799 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 3,794 |
| Cost of funding earning assets | 1.7836% | 1,488 |
| Net interest margin | 3.4227% | 5,596 |
| Noninterest income to average assets | 0.4039% | 4,932 |
| Noninterest expense to average assets | 2.4543% | 5,873 |
| Loan and lease loss provision to assets | 0.5992% | 2,548 |
| Net operating income to assets | 0.3972% | 4,762 |
| Return on assets (ROA) | 0.4132% | 4,865 |
| Pretax return on assets | 0.4342% | 5,131 |
| Return on Equity (ROE) | 3.9846% | 4,789 |
| Retained earnings to average equity (ytd only) | -1.7422% | 6,152 |
| Net charge-offs to loans | 0.6592% | 2,784 |
| Credit loss provision to net charge-offs | 140.4372% | 2,827 |
| Earnings coverage of net charge-offs (x) | 2.3825% | 3,983 |
| Efficiency ratio | 69.8908% | 4,092 |
| Assets per employee ($millions) | 3.2886% | 5,498 |
| Cash dividends to net income (ytd only)* | 143.7232% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1271% | 5,823 |
| Loan loss allowance to noncurrent loans | 61.0714% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 4,541 |
| Noncurrent loans to loans | 1.8455% | 3,870 |
| Net loans and leases to total assets | 66.1077% | 3,666 |
| Net loans and leases to deposits | 74.4082% | 4,439 |
| Net loans and leases to core deposits | 78.5102% | 4,739 |
| Total domestic deposits to total assets | 88.8446% | 1,482 |
| Equity capital to assets | 10.5349% | 3,478 |
| Core capital (leverage) ratio | 7.7123% | 6,663 |
| Tier 1 risk-based capital ratio | 10.6457% | 6,675 |
| Total risk-based capital ratio | 11.7016% | 6,802 |
| Memoranda: | ||
| Average total assets | $228,762,000 | 2,806 |
| Average earning assets | $204,978,250 | 2,855 |
| Average equity | $23,724,250 | 2,724 |
| Average total loans | $148,062,000 | 2,840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 4,115 |
| Cost of funding earning assets | 1.8154% | 1,589 |
| Net interest margin | 3.3498% | 5,840 |
| Noninterest income to average assets | 0.4429% | 4,579 |
| Noninterest expense to average assets | 2.4475% | 5,920 |
| Loan and lease loss provision to assets | 0.7002% | 2,076 |
| Net operating income to assets | 0.2790% | 5,264 |
| Return on assets (ROA) | 0.2790% | 5,414 |
| Pretax return on assets | 0.2991% | 5,501 |
| Return on Equity (ROE) | 2.7045% | 5,366 |
| Retained earnings to average equity (ytd only) | -2.9665% | 6,294 |
| Net charge-offs to loans | 0.9534% | 1,934 |
| Credit loss provision to net charge-offs | 114.7143% | 3,550 |
| Earnings coverage of net charge-offs (x) | 1.6371% | 4,276 |
| Efficiency ratio | 70.1998% | 4,153 |
| Assets per employee ($millions) | 3.3669% | 5,272 |
| Cash dividends to net income (ytd only)* | 209.6875% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 6,285 |
| Loan loss allowance to noncurrent loans | 49.1097% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 4,392 |
| Noncurrent loans to loans | 2.0922% | 3,598 |
| Net loans and leases to total assets | 62.8985% | 4,488 |
| Net loans and leases to deposits | 70.2553% | 5,236 |
| Net loans and leases to core deposits | 73.9966% | 5,449 |
| Total domestic deposits to total assets | 89.5285% | 1,162 |
| Equity capital to assets | 10.1861% | 3,789 |
| Core capital (leverage) ratio | 7.6884% | 6,624 |
| Tier 1 risk-based capital ratio | 11.0670% | 6,164 |
| Total risk-based capital ratio | 12.0440% | 6,435 |
| Memoranda: | ||
| Average total assets | $229,378,330 | 2,821 |
| Average earning assets | $205,685,000 | 2,864 |
| Average equity | $23,664,000 | 2,726 |
| Average total loans | $146,843,670 | 2,886 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 5,002 |
| Cost of funding earning assets | 1.8456% | 1,676 |
| Net interest margin | 3.1593% | 6,423 |
| Noninterest income to average assets | 0.4388% | 4,570 |
| Noninterest expense to average assets | 2.5063% | 5,704 |
| Loan and lease loss provision to assets | 0.7494% | 1,698 |
| Net operating income to assets | 0.0176% | 6,242 |
| Return on assets (ROA) | 0.0176% | 6,353 |
| Pretax return on assets | 0.0193% | 6,316 |
| Return on Equity (ROE) | 0.1690% | 6,358 |
| Retained earnings to average equity (ytd only) | -4.6315% | 6,556 |
| Net charge-offs to loans | 0.0874% | 4,548 |
| Credit loss provision to net charge-offs | 1,334.3750% | 367 |
| Earnings coverage of net charge-offs (x) | 13.6875% | 1,479 |
| Efficiency ratio | 75.6699% | 3,280 |
| Assets per employee ($millions) | 3.5567% | 4,912 |
| Cash dividends to net income (ytd only)* | 2,840.0000% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2220% | 5,383 |
| Loan loss allowance to noncurrent loans | 43.4647% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 1.8631% | 3,683 |
| Noncurrent loans to loans | 2.8115% | 2,852 |
| Net loans and leases to total assets | 64.2380% | 4,283 |
| Net loans and leases to deposits | 72.2495% | 5,015 |
| Net loans and leases to core deposits | 75.8983% | 5,270 |
| Total domestic deposits to total assets | 88.9114% | 1,563 |
| Equity capital to assets | 10.3163% | 3,451 |
| Core capital (leverage) ratio | 7.7908% | 6,518 |
| Tier 1 risk-based capital ratio | 11.1604% | 6,000 |
| Total risk-based capital ratio | 12.3311% | 6,052 |
| Memoranda: | ||
| Average total assets | $227,909,000 | 2,898 |
| Average earning assets | $204,600,000 | 2,932 |
| Average equity | $23,664,000 | 2,754 |
| Average total loans | $146,445,000 | 2,956 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 3,026 |
| Cost of funding earning assets | 2.0854% | 2,539 |
| Net interest margin | 3.6306% | 4,429 |
| Noninterest income to average assets | 0.3280% | 5,734 |
| Noninterest expense to average assets | 2.5217% | 6,052 |
| Loan and lease loss provision to assets | 0.1170% | 6,478 |
| Net operating income to assets | 0.8679% | 2,287 |
| Return on assets (ROA) | 0.8679% | 2,352 |
| Pretax return on assets | 0.9187% | 2,865 |
| Return on Equity (ROE) | 8.0299% | 2,358 |
| Retained earnings to average equity (ytd only) | 0.4829% | 4,637 |
| Net charge-offs to loans | 0.0847% | 6,270 |
| Credit loss provision to net charge-offs | 216.6667% | 1,755 |
| Earnings coverage of net charge-offs (x) | 19.1833% | 1,095 |
| Efficiency ratio | 70.0013% | 4,631 |
| Assets per employee ($millions) | 3.5654% | 4,860 |
| Cash dividends to net income (ytd only)* | 93.9865% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 6,503 |
| Loan loss allowance to noncurrent loans | 204.3353% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 6,682 |
| Noncurrent loans to loans | 0.4777% | 6,299 |
| Net loans and leases to total assets | 62.8613% | 4,841 |
| Net loans and leases to deposits | 70.5547% | 5,529 |
| Net loans and leases to core deposits | 83.8690% | 5,725 |
| Total domestic deposits to total assets | 89.0958% | 1,440 |
| Equity capital to assets | 10.4497% | 3,242 |
| Core capital (leverage) ratio | 7.9143% | 6,314 |
| Tier 1 risk-based capital ratio | 11.4641% | 5,436 |
| Total risk-based capital ratio | 12.3903% | 5,743 |
| Memoranda: | ||
| Average total assets | $222,272,400 | 2,912 |
| Average earning assets | $197,709,200 | 3,001 |
| Average equity | $24,022,800 | 2,725 |
| Average total loans | $141,728,600 | 3,049 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7820% | 2,967 |
| Cost of funding earning assets | 2.1258% | 2,769 |
| Net interest margin | 3.6562% | 4,249 |
| Noninterest income to average assets | 0.3545% | 5,659 |
| Noninterest expense to average assets | 2.5562% | 5,875 |
| Loan and lease loss provision to assets | 0.1329% | 6,032 |
| Net operating income to assets | 0.8605% | 2,572 |
| Return on assets (ROA) | 0.8605% | 2,637 |
| Pretax return on assets | 0.9100% | 3,197 |
| Return on Equity (ROE) | 7.8943% | 2,688 |
| Retained earnings to average equity (ytd only) | 0.3213% | 5,065 |
| Net charge-offs to loans | 0.1003% | 5,665 |
| Credit loss provision to net charge-offs | 207.5472% | 2,134 |
| Earnings coverage of net charge-offs (x) | 16.2924% | 1,480 |
| Efficiency ratio | 70.1174% | 4,569 |
| Assets per employee ($millions) | 3.4585% | 5,031 |
| Cash dividends to net income (ytd only)* | 95.9299% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,452 |
| Loan loss allowance to noncurrent loans | 262.8788% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 6,817 |
| Noncurrent loans to loans | 0.3684% | 6,612 |
| Net loans and leases to total assets | 64.1257% | 4,840 |
| Net loans and leases to deposits | 72.3511% | 5,592 |
| Net loans and leases to core deposits | 86.3337% | 5,831 |
| Total domestic deposits to total assets | 88.6312% | 1,374 |
| Equity capital to assets | 10.8714% | 3,142 |
| Core capital (leverage) ratio | 8.0200% | 6,327 |
| Tier 1 risk-based capital ratio | 11.6625% | 5,282 |
| Total risk-based capital ratio | 12.5913% | 5,539 |
| Memoranda: | ||
| Average total assets | $220,793,500 | 2,946 |
| Average earning assets | $195,937,500 | 3,044 |
| Average equity | $24,067,250 | 2,745 |
| Average total loans | $140,946,750 | 3,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7949% | 3,070 |
| Cost of funding earning assets | 2.1566% | 3,005 |
| Net interest margin | 3.6383% | 4,216 |
| Noninterest income to average assets | 0.3962% | 5,327 |
| Noninterest expense to average assets | 2.6200% | 5,660 |
| Loan and lease loss provision to assets | 0.1269% | 5,836 |
| Net operating income to assets | 0.8214% | 2,772 |
| Return on assets (ROA) | 0.8214% | 2,868 |
| Pretax return on assets | 0.8703% | 3,443 |
| Return on Equity (ROE) | 7.5285% | 2,957 |
| Retained earnings to average equity (ytd only) | -0.9057% | 5,454 |
| Net charge-offs to loans | 0.1256% | 4,909 |
| Credit loss provision to net charge-offs | 159.0909% | 2,889 |
| Earnings coverage of net charge-offs (x) | 12.5000% | 1,815 |
| Efficiency ratio | 71.5038% | 4,508 |
| Assets per employee ($millions) | 3.4635% | 4,913 |
| Cash dividends to net income (ytd only)* | 112.0309% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 6,623 |
| Loan loss allowance to noncurrent loans | 561.8644% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 7,140 |
| Noncurrent loans to loans | 0.1663% | 7,110 |
| Net loans and leases to total assets | 63.4347% | 5,091 |
| Net loans and leases to deposits | 71.5335% | 5,806 |
| Net loans and leases to core deposits | 85.0977% | 6,003 |
| Total domestic deposits to total assets | 88.6784% | 1,447 |
| Equity capital to assets | 10.7451% | 3,164 |
| Core capital (leverage) ratio | 7.9644% | 6,396 |
| Tier 1 risk-based capital ratio | 11.6897% | 5,209 |
| Total risk-based capital ratio | 12.5885% | 5,462 |
| Memoranda: | ||
| Average total assets | $220,610,670 | 2,965 |
| Average earning assets | $195,308,330 | 3,073 |
| Average equity | $24,068,670 | 2,747 |
| Average total loans | $140,154,000 | 3,141 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7789% | 3,406 |
| Cost of funding earning assets | 2.0860% | 3,713 |
| Net interest margin | 3.6929% | 3,921 |
| Noninterest income to average assets | 0.4380% | 4,890 |
| Noninterest expense to average assets | 2.5063% | 5,816 |
| Loan and lease loss provision to assets | 0.1181% | 5,456 |
| Net operating income to assets | 1.0087% | 2,275 |
| Return on assets (ROA) | 1.0087% | 2,418 |
| Pretax return on assets | 1.0632% | 3,130 |
| Return on Equity (ROE) | 9.1758% | 2,645 |
| Retained earnings to average equity (ytd only) | 0.6613% | 5,397 |
| Net charge-offs to loans | 0.1120% | 4,073 |
| Credit loss provision to net charge-offs | 166.6667% | 2,553 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,539 |
| Efficiency ratio | 66.8802% | 5,166 |
| Assets per employee ($millions) | 3.4535% | 4,929 |
| Cash dividends to net income (ytd only)* | 92.7928% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 6,637 |
| Loan loss allowance to noncurrent loans | 849.6732% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 7,114 |
| Noncurrent loans to loans | 0.1088% | 7,219 |
| Net loans and leases to total assets | 63.0478% | 5,152 |
| Net loans and leases to deposits | 71.1372% | 5,849 |
| Net loans and leases to core deposits | 84.3402% | 6,034 |
| Total domestic deposits to total assets | 88.6285% | 1,408 |
| Equity capital to assets | 10.8933% | 3,080 |
| Core capital (leverage) ratio | 8.2226% | 6,053 |
| Tier 1 risk-based capital ratio | 11.8666% | 5,068 |
| Total risk-based capital ratio | 12.7543% | 5,304 |
| Memoranda: | ||
| Average total assets | $220,084,000 | 2,985 |
| Average earning assets | $193,671,000 | 3,103 |
| Average equity | $24,194,000 | 2,742 |
| Average total loans | $139,262,000 | 3,181 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2829% | 4,057 |
| Cost of funding earning assets | 2.6618% | 3,359 |
| Net interest margin | 3.6211% | 4,782 |
| Noninterest income to average assets | 0.3758% | 5,685 |
| Noninterest expense to average assets | 2.4144% | 6,343 |
| Loan and lease loss provision to assets | 0.0752% | 6,462 |
| Net operating income to assets | 1.0619% | 2,299 |
| Return on assets (ROA) | 1.0619% | 2,205 |
| Pretax return on assets | 1.1183% | 2,963 |
| Return on Equity (ROE) | 9.3192% | 2,515 |
| Retained earnings to average equity (ytd only) | 1.0486% | 4,598 |
| Net charge-offs to loans | 0.0483% | 6,095 |
| Credit loss provision to net charge-offs | 236.3636% | 2,002 |
| Earnings coverage of net charge-offs (x) | 37.5303% | 986 |
| Efficiency ratio | 66.8136% | 4,939 |
| Assets per employee ($millions) | 3.4241% | 4,871 |
| Cash dividends to net income (ytd only)* | 88.7477% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 6,536 |
| Loan loss allowance to noncurrent loans | 736.4162% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 7,014 |
| Noncurrent loans to loans | 0.1255% | 7,036 |
| Net loans and leases to total assets | 62.3331% | 5,570 |
| Net loans and leases to deposits | 70.7230% | 6,197 |
| Net loans and leases to core deposits | 83.1723% | 6,370 |
| Total domestic deposits to total assets | 88.1369% | 1,411 |
| Equity capital to assets | 11.0937% | 2,967 |
| Core capital (leverage) ratio | 8.3288% | 5,896 |
| Tier 1 risk-based capital ratio | 12.0018% | 4,825 |
| Total risk-based capital ratio | 12.8848% | 5,006 |
| Memoranda: | ||
| Average total assets | $207,547,800 | 3,037 |
| Average earning assets | $185,248,000 | 3,111 |
| Average equity | $23,650,000 | 2,773 |
| Average total loans | $136,571,000 | 3,152 |