Home > Community Bank Mankato > Performance and Condition Ratios
Community Bank Mankato, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4550% | 2,187 |
| Cost of funding earning assets | 2.5393% | 793 |
| Net interest margin | 2.9157% | 3,532 |
| Noninterest income to average assets | 0.2000% | 3,558 |
| Noninterest expense to average assets | 1.9322% | 3,679 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.7792% | 2,898 |
| Return on assets (ROA) | 0.7792% | 2,900 |
| Pretax return on assets | 1.0874% | 2,532 |
| Return on Equity (ROE) | 9.1600% | 2,567 |
| Retained earnings to average equity (ytd only) | 4.8287% | 2,613 |
| Net charge-offs to loans | 0.0032% | 2,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 368.7500% | 255 |
| Efficiency ratio | 63.9893% | 2,472 |
| Assets per employee ($millions) | 8.5202% | 1,295 |
| Cash dividends to net income (ytd only)* | 47.3037% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,447 |
| Loan loss allowance to noncurrent loans | 43.4023% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 2.0041% | 226 |
| Noncurrent loans to loans | 2.1901% | 375 |
| Net loans and leases to total assets | 90.6400% | 22 |
| Net loans and leases to deposits | 103.0975% | 301 |
| Net loans and leases to core deposits | 118.4083% | 599 |
| Total domestic deposits to total assets | 87.9100% | 1,589 |
| Equity capital to assets | 8.5164% | 3,309 |
| Core capital (leverage) ratio | 8.4723% | 4,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8447% | 2,537 |
| Memoranda: | ||
| Average total assets | $542,594,000 | 1,679 |
| Average earning assets | $525,025,500 | 1,627 |
| Average equity | $46,141,000 | 1,861 |
| Average total loans | $503,952,500 | 1,305 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4448% | 2,244 |
| Cost of funding earning assets | 2.8263% | 665 |
| Net interest margin | 2.6185% | 3,752 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 1.9865% | 3,636 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.5307% | 3,397 |
| Return on assets (ROA) | 0.5307% | 3,415 |
| Pretax return on assets | 0.7415% | 3,177 |
| Return on Equity (ROE) | 6.4700% | 3,160 |
| Retained earnings to average equity (ytd only) | 5.3484% | 2,083 |
| Net charge-offs to loans | -0.0207% | 4,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 71.1371% | 1,863 |
| Assets per employee ($millions) | 8.5698% | 1,239 |
| Cash dividends to net income (ytd only)* | 17.3732% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 3,526 |
| Loan loss allowance to noncurrent loans | 43.8574% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.0052% | 197 |
| Noncurrent loans to loans | 2.1272% | 368 |
| Net loans and leases to total assets | 93.3900% | 8 |
| Net loans and leases to deposits | 110.7400% | 165 |
| Net loans and leases to core deposits | 127.9323% | 402 |
| Total domestic deposits to total assets | 84.3300% | 2,702 |
| Equity capital to assets | 8.4911% | 3,204 |
| Core capital (leverage) ratio | 8.3229% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4236% | 2,667 |
| Memoranda: | ||
| Average total assets | $542,297,000 | 1,675 |
| Average earning assets | $524,118,400 | 1,608 |
| Average equity | $44,461,600 | 1,852 |
| Average total loans | $506,745,600 | 1,281 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3832% | 2,296 |
| Cost of funding earning assets | 2.8446% | 657 |
| Net interest margin | 2.5386% | 3,830 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.8901% | 3,772 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.5312% | 3,391 |
| Return on assets (ROA) | 0.5312% | 3,415 |
| Pretax return on assets | 0.7373% | 3,173 |
| Return on Equity (ROE) | 6.5400% | 3,174 |
| Retained earnings to average equity (ytd only) | 5.0260% | 2,457 |
| Net charge-offs to loans | -0.0058% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.6597% | 2,062 |
| Assets per employee ($millions) | 8.6788% | 1,193 |
| Cash dividends to net income (ytd only)* | 23.1160% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,640 |
| Loan loss allowance to noncurrent loans | 42.8217% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.9924% | 204 |
| Noncurrent loans to loans | 2.1141% | 358 |
| Net loans and leases to total assets | 93.3900% | 8 |
| Net loans and leases to deposits | 112.6724% | 140 |
| Net loans and leases to core deposits | 129.4841% | 399 |
| Total domestic deposits to total assets | 82.8900% | 2,883 |
| Equity capital to assets | 8.2661% | 3,558 |
| Core capital (leverage) ratio | 8.2025% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0085% | 2,767 |
| Memoranda: | ||
| Average total assets | $542,897,250 | 1,667 |
| Average earning assets | $524,903,500 | 1,606 |
| Average equity | $44,116,250 | 1,864 |
| Average total loans | $506,198,750 | 1,275 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3013% | 2,354 |
| Cost of funding earning assets | 2.8336% | 611 |
| Net interest margin | 2.4678% | 3,923 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 1.8777% | 3,804 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 0.4926% | 3,446 |
| Return on assets (ROA) | 0.4926% | 3,480 |
| Pretax return on assets | 0.6872% | 3,257 |
| Return on Equity (ROE) | 6.1000% | 3,251 |
| Retained earnings to average equity (ytd only) | 3.8120% | 2,783 |
| Net charge-offs to loans | 0.0843% | 956 |
| Credit loss provision to net charge-offs | 181.1321% | 1,092 |
| Earnings coverage of net charge-offs (x) | 10.4292% | 1,979 |
| Efficiency ratio | 69.6957% | 2,151 |
| Assets per employee ($millions) | 8.9436% | 1,022 |
| Cash dividends to net income (ytd only)* | 37.4813% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8699% | 3,783 |
| Loan loss allowance to noncurrent loans | 40.6551% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.9978% | 184 |
| Noncurrent loans to loans | 2.1396% | 341 |
| Net loans and leases to total assets | 92.5600% | 17 |
| Net loans and leases to deposits | 113.7418% | 150 |
| Net loans and leases to core deposits | 130.4569% | 395 |
| Total domestic deposits to total assets | 81.3800% | 3,206 |
| Equity capital to assets | 8.1149% | 3,358 |
| Core capital (leverage) ratio | 8.0607% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9457% | 2,793 |
| Memoranda: | ||
| Average total assets | $541,608,000 | 1,668 |
| Average earning assets | $524,848,667 | 1,602 |
| Average equity | $43,756,333 | 1,857 |
| Average total loans | $503,167,667 | 1,281 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3425% | 2,121 |
| Cost of funding earning assets | 2.7832% | 622 |
| Net interest margin | 2.5593% | 3,775 |
| Noninterest income to average assets | 0.1800% | 3,777 |
| Noninterest expense to average assets | 1.8064% | 3,944 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 0.5937% | 3,163 |
| Return on assets (ROA) | 0.5937% | 3,190 |
| Pretax return on assets | 0.8243% | 2,867 |
| Return on Equity (ROE) | 7.3700% | 2,855 |
| Retained earnings to average equity (ytd only) | 2.7679% | 3,043 |
| Net charge-offs to loans | -0.0016% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.7133% | 2,407 |
| Assets per employee ($millions) | 9.0417% | 997 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 3,812 |
| Loan loss allowance to noncurrent loans | 1,193.6813% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0671% | 3,206 |
| Noncurrent loans to loans | 0.0720% | 3,269 |
| Net loans and leases to total assets | 92.3600% | 11 |
| Net loans and leases to deposits | 114.3081% | 127 |
| Net loans and leases to core deposits | 131.6571% | 385 |
| Total domestic deposits to total assets | 80.8000% | 3,411 |
| Equity capital to assets | 8.0520% | 3,336 |
| Core capital (leverage) ratio | 8.0554% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6680% | 2,843 |
| Memoranda: | ||
| Average total assets | $539,631,000 | 1,684 |
| Average earning assets | $523,576,000 | 1,615 |
| Average equity | $43,498,500 | 1,853 |
| Average total loans | $500,053,000 | 1,287 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9897% | 2,088 |
| Cost of funding earning assets | 2.1352% | 724 |
| Net interest margin | 2.8545% | 3,565 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.1121% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6289% | 3,367 |
| Return on assets (ROA) | 0.6192% | 3,377 |
| Pretax return on assets | 0.8664% | 3,048 |
| Return on Equity (ROE) | 7.6400% | 3,117 |
| Retained earnings to average equity (ytd only) | 5.1617% | 2,553 |
| Net charge-offs to loans | -0.0016% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.6222% | 1,803 |
| Assets per employee ($millions) | 8.9460% | 1,000 |
| Cash dividends to net income (ytd only)* | 32.4570% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 3,823 |
| Loan loss allowance to noncurrent loans | 1,256.3422% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,072 |
| Noncurrent loans to loans | 0.0685% | 3,222 |
| Net loans and leases to total assets | 91.3700% | 24 |
| Net loans and leases to deposits | 112.3187% | 161 |
| Net loans and leases to core deposits | 128.2167% | 431 |
| Total domestic deposits to total assets | 81.3500% | 3,247 |
| Equity capital to assets | 8.0697% | 3,367 |
| Core capital (leverage) ratio | 8.3038% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8071% | 2,840 |
| Memoranda: | ||
| Average total assets | $497,600,800 | 1,733 |
| Average earning assets | $479,669,000 | 1,688 |
| Average equity | $40,315,800 | 1,879 |
| Average total loans | $448,335,000 | 1,352 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 1,978 |
| Cost of funding earning assets | 1.9612% | 758 |
| Net interest margin | 2.9766% | 3,384 |
| Noninterest income to average assets | 0.2500% | 3,449 |
| Noninterest expense to average assets | 2.0169% | 3,552 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7885% | 3,058 |
| Return on assets (ROA) | 0.7885% | 3,056 |
| Pretax return on assets | 1.0974% | 2,570 |
| Return on Equity (ROE) | 9.7200% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.3521% | 2,517 |
| Net charge-offs to loans | -0.0015% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.7622% | 2,416 |
| Assets per employee ($millions) | 8.6194% | 1,073 |
| Cash dividends to net income (ytd only)* | 34.6620% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 3,779 |
| Loan loss allowance to noncurrent loans | 1,234.5133% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 3,098 |
| Noncurrent loans to loans | 0.0717% | 3,244 |
| Net loans and leases to total assets | 90.6400% | 31 |
| Net loans and leases to deposits | 112.0010% | 164 |
| Net loans and leases to core deposits | 128.7556% | 357 |
| Total domestic deposits to total assets | 80.9300% | 3,395 |
| Equity capital to assets | 7.9143% | 3,110 |
| Core capital (leverage) ratio | 8.0386% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7245% | 2,865 |
| Memoranda: | ||
| Average total assets | $487,810,500 | 1,753 |
| Average earning assets | $469,696,500 | 1,710 |
| Average equity | $39,566,000 | 1,887 |
| Average total loans | $436,738,750 | 1,370 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8016% | 1,991 |
| Cost of funding earning assets | 1.6878% | 897 |
| Net interest margin | 3.1138% | 3,188 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0844% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8242% | 3,005 |
| Return on assets (ROA) | 0.8242% | 3,015 |
| Pretax return on assets | 1.1522% | 2,500 |
| Return on Equity (ROE) | 10.0700% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.9602% | 2,949 |
| Net charge-offs to loans | -0.0014% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.4002% | 2,435 |
| Assets per employee ($millions) | 8.1549% | 1,248 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 3,731 |
| Loan loss allowance to noncurrent loans | 1,059.6401% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.0782% | 2,994 |
| Noncurrent loans to loans | 0.0864% | 3,073 |
| Net loans and leases to total assets | 89.6900% | 39 |
| Net loans and leases to deposits | 107.9842% | 250 |
| Net loans and leases to core deposits | 122.1653% | 468 |
| Total domestic deposits to total assets | 83.0600% | 3,036 |
| Equity capital to assets | 8.0159% | 3,207 |
| Core capital (leverage) ratio | 8.2991% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7488% | 2,879 |
| Memoranda: | ||
| Average total assets | $478,026,667 | 1,776 |
| Average earning assets | $460,596,000 | 1,734 |
| Average equity | $39,111,333 | 1,908 |
| Average total loans | $424,673,667 | 1,391 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6331% | 2,005 |
| Cost of funding earning assets | 1.4783% | 881 |
| Net interest margin | 3.1548% | 3,224 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.1131% | 3,350 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8140% | 3,153 |
| Return on assets (ROA) | 0.8140% | 3,100 |
| Pretax return on assets | 1.1488% | 2,578 |
| Return on Equity (ROE) | 9.8400% | 2,834 |
| Retained earnings to average equity (ytd only) | -0.4854% | 4,082 |
| Net charge-offs to loans | 0.0087% | 1,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 149.4444% | 612 |
| Efficiency ratio | 64.7814% | 2,359 |
| Assets per employee ($millions) | 7.6070% | 1,554 |
| Cash dividends to net income (ytd only)* | 104.9318% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0189% | 3,441 |
| Loan loss allowance to noncurrent loans | 357.7928% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 1,863 |
| Noncurrent loans to loans | 0.2848% | 2,127 |
| Net loans and leases to total assets | 87.4800% | 87 |
| Net loans and leases to deposits | 100.2966% | 434 |
| Net loans and leases to core deposits | 111.6507% | 651 |
| Total domestic deposits to total assets | 87.2200% | 2,181 |
| Equity capital to assets | 8.2314% | 3,092 |
| Core capital (leverage) ratio | 8.3079% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1377% | 2,925 |
| Memoranda: | ||
| Average total assets | $468,316,500 | 1,825 |
| Average earning assets | $449,977,000 | 1,772 |
| Average equity | $38,729,500 | 1,939 |
| Average total loans | $411,858,000 | 1,441 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3756% | 924 |
| Cost of funding earning assets | 0.6737% | 661 |
| Net interest margin | 3.7019% | 1,374 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.2764% | 2,815 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1919% | 1,806 |
| Return on assets (ROA) | 1.1919% | 1,737 |
| Pretax return on assets | 1.6727% | 985 |
| Return on Equity (ROE) | 14.4900% | 1,408 |
| Retained earnings to average equity (ytd only) | 13.1205% | 492 |
| Net charge-offs to loans | -0.1596% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.6436% | 3,391 |
| Assets per employee ($millions) | 7.3810% | 1,697 |
| Cash dividends to net income (ytd only)* | 9.4429% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 2,983 |
| Loan loss allowance to noncurrent loans | 1,025.1748% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 2,905 |
| Noncurrent loans to loans | 0.1054% | 3,013 |
| Net loans and leases to total assets | 86.5600% | 123 |
| Net loans and leases to deposits | 100.2985% | 429 |
| Net loans and leases to core deposits | 107.9929% | 673 |
| Total domestic deposits to total assets | 86.3000% | 2,639 |
| Equity capital to assets | 8.3090% | 2,847 |
| Core capital (leverage) ratio | 8.4789% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7657% | 2,800 |
| Memoranda: | ||
| Average total assets | $444,250,000 | 1,869 |
| Average earning assets | $429,865,800 | 1,821 |
| Average equity | $36,545,800 | 2,051 |
| Average total loans | $372,798,000 | 1,483 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 816 |
| Cost of funding earning assets | 0.5200% | 679 |
| Net interest margin | 3.7232% | 1,085 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 2.1840% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3030% | 1,342 |
| Return on assets (ROA) | 1.3030% | 1,309 |
| Pretax return on assets | 1.8293% | 688 |
| Return on Equity (ROE) | 15.8800% | 1,002 |
| Retained earnings to average equity (ytd only) | 14.0314% | 461 |
| Net charge-offs to loans | -0.1779% | 4,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.4189% | 3,787 |
| Assets per employee ($millions) | 7.1761% | 1,822 |
| Cash dividends to net income (ytd only)* | 11.6523% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 3,021 |
| Loan loss allowance to noncurrent loans | 1,405.9016% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 3,216 |
| Noncurrent loans to loans | 0.0782% | 3,317 |
| Net loans and leases to total assets | 85.3500% | 164 |
| Net loans and leases to deposits | 97.5386% | 474 |
| Net loans and leases to core deposits | 101.5117% | 760 |
| Total domestic deposits to total assets | 87.5000% | 2,592 |
| Equity capital to assets | 8.2910% | 2,686 |
| Core capital (leverage) ratio | 8.5061% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6319% | 2,914 |
| Memoranda: | ||
| Average total assets | $439,062,000 | 1,897 |
| Average earning assets | $425,926,750 | 1,842 |
| Average equity | $36,023,000 | 2,106 |
| Average total loans | $364,273,750 | 1,497 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 723 |
| Cost of funding earning assets | 0.4855% | 570 |
| Net interest margin | 3.6484% | 997 |
| Noninterest income to average assets | 0.4122% | 2,676 |
| Noninterest expense to average assets | 2.1931% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2551% | 1,267 |
| Return on assets (ROA) | 1.2551% | 1,252 |
| Pretax return on assets | 1.7630% | 650 |
| Return on Equity (ROE) | 15.3533% | 824 |
| Retained earnings to average equity (ytd only) | 12.5393% | 523 |
| Net charge-offs to loans | -0.2739% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4367% | 3,833 |
| Assets per employee ($millions) | 6.6607% | 2,197 |
| Cash dividends to net income (ytd only)* | 18.3284% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,886 |
| Loan loss allowance to noncurrent loans | 3,177.0370% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 3,045 |
| Noncurrent loans to loans | 0.0365% | 3,674 |
| Net loans and leases to total assets | 83.0649% | 232 |
| Net loans and leases to deposits | 91.1429% | 653 |
| Net loans and leases to core deposits | 92.7677% | 984 |
| Total domestic deposits to total assets | 91.1370% | 1,167 |
| Equity capital to assets | 8.2474% | 2,945 |
| Core capital (leverage) ratio | 8.2728% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0631% | 2,799 |
| Memoranda: | ||
| Average total assets | $434,717,667 | 1,921 |
| Average earning assets | $422,271,667 | 1,872 |
| Average equity | $35,536,333 | 2,180 |
| Average total loans | $355,651,333 | 1,516 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 740 |
| Cost of funding earning assets | 0.4952% | 510 |
| Net interest margin | 3.5254% | 1,040 |
| Noninterest income to average assets | 0.4571% | 2,374 |
| Noninterest expense to average assets | 2.0903% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2668% | 1,079 |
| Return on assets (ROA) | 1.2668% | 1,068 |
| Pretax return on assets | 1.7794% | 569 |
| Return on Equity (ROE) | 15.5672% | 575 |
| Retained earnings to average equity (ytd only) | 15.5672% | 254 |
| Net charge-offs to loans | -0.4576% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0172% | 4,049 |
| Assets per employee ($millions) | 6.6273% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 2,829 |
| Loan loss allowance to noncurrent loans | 2,710.3226% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,600 |
| Noncurrent loans to loans | 0.0445% | 3,661 |
| Net loans and leases to total assets | 78.6786% | 323 |
| Net loans and leases to deposits | 86.3299% | 715 |
| Net loans and leases to core deposits | 88.1098% | 1,015 |
| Total domestic deposits to total assets | 91.1372% | 961 |
| Equity capital to assets | 8.1605% | 3,440 |
| Core capital (leverage) ratio | 8.2842% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3258% | 2,822 |
| Memoranda: | ||
| Average total assets | $432,275,000 | 1,940 |
| Average earning assets | $418,449,500 | 1,890 |
| Average equity | $35,176,500 | 2,246 |
| Average total loans | $348,754,500 | 1,524 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 981 |
| Cost of funding earning assets | 0.6321% | 462 |
| Net interest margin | 3.5732% | 1,540 |
| Noninterest income to average assets | 0.6132% | 2,099 |
| Noninterest expense to average assets | 2.2966% | 2,806 |
| Loan and lease loss provision to assets | 0.0835% | 1,474 |
| Net operating income to assets | 1.2003% | 1,923 |
| Return on assets (ROA) | 1.2003% | 1,972 |
| Pretax return on assets | 1.6849% | 1,187 |
| Return on Equity (ROE) | 14.5939% | 1,048 |
| Retained earnings to average equity (ytd only) | 12.7485% | 430 |
| Net charge-offs to loans | -0.0731% | 4,475 |
| Credit loss provision to net charge-offs | -138.0753% | 3,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4966% | 3,642 |
| Assets per employee ($millions) | 6.5715% | 2,274 |
| Cash dividends to net income (ytd only)* | 12.6449% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,399 |
| Loan loss allowance to noncurrent loans | 404.0383% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 1,354 |
| Noncurrent loans to loans | 0.2695% | 2,635 |
| Net loans and leases to total assets | 80.8535% | 227 |
| Net loans and leases to deposits | 88.4796% | 628 |
| Net loans and leases to core deposits | 90.6351% | 945 |
| Total domestic deposits to total assets | 91.3810% | 354 |
| Equity capital to assets | 8.1140% | 4,296 |
| Core capital (leverage) ratio | 8.2819% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9876% | 2,893 |
| Memoranda: | ||
| Average total assets | $395,324,000 | 2,006 |
| Average earning assets | $381,894,000 | 1,962 |
| Average equity | $32,513,600 | 2,406 |
| Average total loans | $326,989,400 | 1,604 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1403% | 1,218 |
| Cost of funding earning assets | 0.6726% | 445 |
| Net interest margin | 3.4678% | 1,960 |
| Noninterest income to average assets | 0.7311% | 1,725 |
| Noninterest expense to average assets | 2.2149% | 3,023 |
| Loan and lease loss provision to assets | 0.0963% | 1,242 |
| Net operating income to assets | 1.2608% | 1,952 |
| Return on assets (ROA) | 1.2608% | 2,010 |
| Pretax return on assets | 1.7740% | 1,227 |
| Return on Equity (ROE) | 15.2730% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.7713% | 675 |
| Net charge-offs to loans | -0.0995% | 4,613 |
| Credit loss provision to net charge-offs | -116.6667% | 3,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2169% | 3,779 |
| Assets per employee ($millions) | 6.3689% | 2,358 |
| Cash dividends to net income (ytd only)* | 16.3800% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1276% | 3,303 |
| Loan loss allowance to noncurrent loans | 285.0418% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 1,173 |
| Noncurrent loans to loans | 0.3956% | 2,378 |
| Net loans and leases to total assets | 82.0405% | 184 |
| Net loans and leases to deposits | 90.2870% | 591 |
| Net loans and leases to core deposits | 93.3349% | 858 |
| Total domestic deposits to total assets | 90.8663% | 409 |
| Equity capital to assets | 8.3798% | 4,288 |
| Core capital (leverage) ratio | 8.3421% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4200% | 2,881 |
| Memoranda: | ||
| Average total assets | $387,367,750 | 2,057 |
| Average earning assets | $374,680,500 | 2,008 |
| Average equity | $31,977,250 | 2,461 |
| Average total loans | $321,445,000 | 1,646 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 1,314 |
| Cost of funding earning assets | 0.7314% | 396 |
| Net interest margin | 3.3896% | 2,173 |
| Noninterest income to average assets | 0.8800% | 1,325 |
| Noninterest expense to average assets | 2.0813% | 3,448 |
| Loan and lease loss provision to assets | 0.1463% | 820 |
| Net operating income to assets | 1.2463% | 2,035 |
| Return on assets (ROA) | 1.2463% | 2,097 |
| Pretax return on assets | 1.9240% | 969 |
| Return on Equity (ROE) | 15.1772% | 1,112 |
| Retained earnings to average equity (ytd only) | 11.3591% | 1,046 |
| Net charge-offs to loans | -0.1480% | 4,727 |
| Credit loss provision to net charge-offs | -119.1489% | 3,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1322% | 4,228 |
| Assets per employee ($millions) | 6.3247% | 2,306 |
| Cash dividends to net income (ytd only)* | 25.1572% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,117 |
| Loan loss allowance to noncurrent loans | 175.5150% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 921 |
| Noncurrent loans to loans | 0.6635% | 1,763 |
| Net loans and leases to total assets | 81.1449% | 258 |
| Net loans and leases to deposits | 89.4455% | 680 |
| Net loans and leases to core deposits | 93.2085% | 945 |
| Total domestic deposits to total assets | 90.7200% | 473 |
| Equity capital to assets | 8.2498% | 4,397 |
| Core capital (leverage) ratio | 8.1630% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3738% | 2,887 |
| Memoranda: | ||
| Average total assets | $382,743,333 | 2,069 |
| Average earning assets | $369,426,000 | 2,021 |
| Average equity | $31,428,667 | 2,478 |
| Average total loans | $317,615,333 | 1,664 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7820% | 498 |
| Cost of funding earning assets | 0.7884% | 378 |
| Net interest margin | 3.9936% | 851 |
| Noninterest income to average assets | 1.3840% | 685 |
| Noninterest expense to average assets | 2.1738% | 3,187 |
| Loan and lease loss provision to assets | 0.2960% | 317 |
| Net operating income to assets | 1.9634% | 598 |
| Return on assets (ROA) | 1.9634% | 646 |
| Pretax return on assets | 2.7596% | 317 |
| Return on Equity (ROE) | 23.8065% | 301 |
| Retained earnings to average equity (ytd only) | 16.1146% | 505 |
| Net charge-offs to loans | -0.3221% | 4,855 |
| Credit loss provision to net charge-offs | -110.2362% | 2,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5689% | 4,684 |
| Assets per employee ($millions) | 6.6684% | 2,031 |
| Cash dividends to net income (ytd only)* | 32.3102% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 3,023 |
| Loan loss allowance to noncurrent loans | 127.7627% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9145% | 936 |
| Noncurrent loans to loans | 0.9249% | 1,463 |
| Net loans and leases to total assets | 81.4951% | 249 |
| Net loans and leases to deposits | 89.7598% | 712 |
| Net loans and leases to core deposits | 93.7986% | 994 |
| Total domestic deposits to total assets | 90.7924% | 478 |
| Equity capital to assets | 8.2282% | 4,340 |
| Core capital (leverage) ratio | 8.3024% | 4,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7146% | 2,976 |
| Memoranda: | ||
| Average total assets | $378,319,000 | 2,069 |
| Average earning assets | $364,283,500 | 2,026 |
| Average equity | $31,201,500 | 2,479 |
| Average total loans | $315,450,500 | 1,682 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 502 |
| Cost of funding earning assets | 1.0586% | 475 |
| Net interest margin | 3.9302% | 1,137 |
| Noninterest income to average assets | 0.5020% | 2,625 |
| Noninterest expense to average assets | 2.6213% | 2,480 |
| Loan and lease loss provision to assets | 0.3735% | 876 |
| Net operating income to assets | 0.9204% | 2,612 |
| Return on assets (ROA) | 0.9204% | 2,744 |
| Pretax return on assets | 1.2885% | 2,020 |
| Return on Equity (ROE) | 11.1389% | 1,584 |
| Retained earnings to average equity (ytd only) | 9.0920% | 749 |
| Net charge-offs to loans | 0.3223% | 553 |
| Credit loss provision to net charge-offs | 138.0208% | 2,497 |
| Earnings coverage of net charge-offs (x) | 6.1417% | 2,805 |
| Efficiency ratio | 61.1978% | 3,276 |
| Assets per employee ($millions) | 5.9657% | 2,363 |
| Cash dividends to net income (ytd only)* | 18.3767% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 3,734 |
| Loan loss allowance to noncurrent loans | 101.0941% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 1.1090% | 821 |
| Noncurrent loans to loans | 1.0255% | 1,386 |
| Net loans and leases to total assets | 83.4621% | 205 |
| Net loans and leases to deposits | 93.3706% | 697 |
| Net loans and leases to core deposits | 98.0355% | 1,006 |
| Total domestic deposits to total assets | 89.3879% | 814 |
| Equity capital to assets | 8.2675% | 4,589 |
| Core capital (leverage) ratio | 8.2167% | 4,478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8987% | 2,950 |
| Memoranda: | ||
| Average total assets | $354,753,600 | 2,027 |
| Average earning assets | $341,307,800 | 1,976 |
| Average equity | $29,311,600 | 2,517 |
| Average total loans | $297,830,200 | 1,691 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1469% | 456 |
| Cost of funding earning assets | 1.1085% | 522 |
| Net interest margin | 4.0384% | 1,038 |
| Noninterest income to average assets | 0.5090% | 2,575 |
| Noninterest expense to average assets | 2.5103% | 2,808 |
| Loan and lease loss provision to assets | 0.2279% | 1,780 |
| Net operating income to assets | 1.1776% | 1,714 |
| Return on assets (ROA) | 1.1776% | 1,838 |
| Pretax return on assets | 1.6529% | 1,063 |
| Return on Equity (ROE) | 14.2551% | 830 |
| Retained earnings to average equity (ytd only) | 11.4960% | 498 |
| Net charge-offs to loans | 0.2052% | 746 |
| Credit loss provision to net charge-offs | 132.4503% | 2,433 |
| Earnings coverage of net charge-offs (x) | 10.9294% | 2,328 |
| Efficiency ratio | 57.1676% | 3,773 |
| Assets per employee ($millions) | 5.8112% | 2,435 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 3,863 |
| Loan loss allowance to noncurrent loans | 85.1977% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.2136% | 817 |
| Noncurrent loans to loans | 1.1219% | 1,349 |
| Net loans and leases to total assets | 85.3666% | 184 |
| Net loans and leases to deposits | 95.6133% | 785 |
| Net loans and leases to core deposits | 100.6726% | 1,117 |
| Total domestic deposits to total assets | 89.2832% | 659 |
| Equity capital to assets | 8.3074% | 4,571 |
| Core capital (leverage) ratio | 8.2523% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1043% | 2,895 |
| Memoranda: | ||
| Average total assets | $350,974,250 | 2,025 |
| Average earning assets | $337,383,750 | 1,968 |
| Average equity | $28,994,750 | 2,530 |
| Average total loans | $294,303,750 | 1,704 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 374 |
| Cost of funding earning assets | 1.1647% | 575 |
| Net interest margin | 4.2802% | 788 |
| Noninterest income to average assets | 0.5683% | 2,264 |
| Noninterest expense to average assets | 2.5092% | 2,938 |
| Loan and lease loss provision to assets | 0.3469% | 1,220 |
| Net operating income to assets | 1.3078% | 1,339 |
| Return on assets (ROA) | 1.3078% | 1,444 |
| Pretax return on assets | 1.8362% | 760 |
| Return on Equity (ROE) | 15.8616% | 589 |
| Retained earnings to average equity (ytd only) | 11.6543% | 505 |
| Net charge-offs to loans | 0.3217% | 503 |
| Credit loss provision to net charge-offs | 129.8701% | 2,233 |
| Earnings coverage of net charge-offs (x) | 8.1732% | 2,313 |
| Efficiency ratio | 53.4746% | 4,231 |
| Assets per employee ($millions) | 6.1905% | 2,034 |
| Cash dividends to net income (ytd only)* | 26.5252% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,683 |
| Loan loss allowance to noncurrent loans | 92.4946% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.1184% | 1,019 |
| Noncurrent loans to loans | 1.0542% | 1,484 |
| Net loans and leases to total assets | 82.2148% | 398 |
| Net loans and leases to deposits | 91.7490% | 1,186 |
| Net loans and leases to core deposits | 96.4146% | 1,546 |
| Total domestic deposits to total assets | 89.6083% | 528 |
| Equity capital to assets | 7.9635% | 4,736 |
| Core capital (leverage) ratio | 8.1954% | 4,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7854% | 3,018 |
| Memoranda: | ||
| Average total assets | $345,930,000 | 2,022 |
| Average earning assets | $333,299,000 | 1,965 |
| Average equity | $28,521,667 | 2,547 |
| Average total loans | $287,222,000 | 1,716 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8454% | 1,321 |
| Cost of funding earning assets | 1.2748% | 610 |
| Net interest margin | 3.5705% | 2,769 |
| Noninterest income to average assets | 0.5403% | 2,333 |
| Noninterest expense to average assets | 2.5596% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9256% | 2,434 |
| Return on assets (ROA) | 0.9256% | 2,542 |
| Pretax return on assets | 1.4239% | 1,494 |
| Return on Equity (ROE) | 11.0170% | 1,403 |
| Retained earnings to average equity (ytd only) | 2.4435% | 3,293 |
| Net charge-offs to loans | -0.0737% | 4,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2556% | 3,197 |
| Assets per employee ($millions) | 5.2849% | 2,340 |
| Cash dividends to net income (ytd only)* | 77.8210% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,407 |
| Loan loss allowance to noncurrent loans | 100.8287% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1410% | 1,120 |
| Noncurrent loans to loans | 1.0505% | 1,580 |
| Net loans and leases to total assets | 81.9262% | 440 |
| Net loans and leases to deposits | 92.2315% | 1,256 |
| Net loans and leases to core deposits | 98.4637% | 1,593 |
| Total domestic deposits to total assets | 88.8267% | 742 |
| Equity capital to assets | 8.4335% | 4,861 |
| Core capital (leverage) ratio | 8.3501% | 4,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5664% | 3,208 |
| Memoranda: | ||
| Average total assets | $333,179,000 | 2,026 |
| Average earning assets | $321,296,000 | 1,969 |
| Average equity | $27,993,000 | 2,574 |
| Average total loans | $276,643,500 | 1,731 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 1,007 |
| Cost of funding earning assets | 1.2507% | 884 |
| Net interest margin | 3.9438% | 2,020 |
| Noninterest income to average assets | 0.2928% | 3,935 |
| Noninterest expense to average assets | 2.6087% | 3,153 |
| Loan and lease loss provision to assets | 0.1100% | 1,894 |
| Net operating income to assets | 0.9464% | 3,027 |
| Return on assets (ROA) | 0.9459% | 3,120 |
| Pretax return on assets | 1.3283% | 2,402 |
| Return on Equity (ROE) | 11.1610% | 1,822 |
| Retained earnings to average equity (ytd only) | 9.2795% | 645 |
| Net charge-offs to loans | 0.0786% | 1,975 |
| Credit loss provision to net charge-offs | 158.2569% | 1,625 |
| Earnings coverage of net charge-offs (x) | 20.6972% | 1,923 |
| Efficiency ratio | 64.4500% | 3,009 |
| Assets per employee ($millions) | 5.2923% | 2,258 |
| Cash dividends to net income (ytd only)* | 16.8577% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 3,305 |
| Loan loss allowance to noncurrent loans | 71.1734% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5995% | 605 |
| Noncurrent loans to loans | 1.4521% | 1,004 |
| Net loans and leases to total assets | 82.3990% | 503 |
| Net loans and leases to deposits | 92.5365% | 1,307 |
| Net loans and leases to core deposits | 98.8220% | 1,666 |
| Total domestic deposits to total assets | 89.0448% | 650 |
| Equity capital to assets | 8.3701% | 4,961 |
| Core capital (leverage) ratio | 8.5581% | 4,813 |
| Tier 1 risk-based capital ratio | 10.3391% | 5,068 |
| Total risk-based capital ratio | 11.4036% | 5,045 |
| Memoranda: | ||
| Average total assets | $313,562,200 | 2,081 |
| Average earning assets | $298,546,600 | 2,035 |
| Average equity | $26,574,600 | 2,588 |
| Average total loans | $277,419,800 | 1,703 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 960 |
| Cost of funding earning assets | 1.2188% | 988 |
| Net interest margin | 4.0235% | 1,854 |
| Noninterest income to average assets | 0.2774% | 4,091 |
| Noninterest expense to average assets | 2.5465% | 3,306 |
| Loan and lease loss provision to assets | 0.1491% | 1,273 |
| Net operating income to assets | 0.9991% | 2,987 |
| Return on assets (ROA) | 0.9985% | 3,065 |
| Pretax return on assets | 1.4033% | 2,299 |
| Return on Equity (ROE) | 11.7419% | 1,708 |
| Retained earnings to average equity (ytd only) | 9.2015% | 992 |
| Net charge-offs to loans | 0.1279% | 1,238 |
| Credit loss provision to net charge-offs | 129.6992% | 1,825 |
| Earnings coverage of net charge-offs (x) | 13.5149% | 2,288 |
| Efficiency ratio | 62.1140% | 3,308 |
| Assets per employee ($millions) | 5.1640% | 2,381 |
| Cash dividends to net income (ytd only)* | 21.6356% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,513 |
| Loan loss allowance to noncurrent loans | 104.4041% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.5936% | 659 |
| Noncurrent loans to loans | 0.9680% | 1,657 |
| Net loans and leases to total assets | 87.7160% | 106 |
| Net loans and leases to deposits | 98.8672% | 729 |
| Net loans and leases to core deposits | 106.1274% | 1,173 |
| Total domestic deposits to total assets | 88.7211% | 730 |
| Equity capital to assets | 8.6507% | 4,948 |
| Core capital (leverage) ratio | 8.7498% | 4,804 |
| Tier 1 risk-based capital ratio | 10.2155% | 5,149 |
| Total risk-based capital ratio | 11.2745% | 5,133 |
| Memoranda: | ||
| Average total assets | $308,599,750 | 2,127 |
| Average earning assets | $293,170,750 | 2,082 |
| Average equity | $26,241,500 | 2,623 |
| Average total loans | $277,375,500 | 1,715 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1695% | 1,045 |
| Cost of funding earning assets | 1.1714% | 1,068 |
| Net interest margin | 3.9980% | 1,926 |
| Noninterest income to average assets | 0.3348% | 3,697 |
| Noninterest expense to average assets | 2.5040% | 3,464 |
| Loan and lease loss provision to assets | 0.0783% | 2,248 |
| Net operating income to assets | 1.0373% | 2,775 |
| Return on assets (ROA) | 1.0383% | 2,845 |
| Pretax return on assets | 1.5512% | 1,694 |
| Return on Equity (ROE) | 12.2832% | 1,481 |
| Retained earnings to average equity (ytd only) | 8.4230% | 1,236 |
| Net charge-offs to loans | -0.0014% | 3,917 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5970% | 3,641 |
| Assets per employee ($millions) | 5.4247% | 2,027 |
| Cash dividends to net income (ytd only)* | 31.4268% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 3,600 |
| Loan loss allowance to noncurrent loans | 52.1486% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 1.8690% | 524 |
| Noncurrent loans to loans | 1.9240% | 758 |
| Net loans and leases to total assets | 91.3919% | 30 |
| Net loans and leases to deposits | 102.8022% | 487 |
| Net loans and leases to core deposits | 109.3208% | 1,012 |
| Total domestic deposits to total assets | 88.9006% | 706 |
| Equity capital to assets | 8.5781% | 5,011 |
| Core capital (leverage) ratio | 8.5642% | 4,935 |
| Tier 1 risk-based capital ratio | 9.9666% | 5,231 |
| Total risk-based capital ratio | 11.0438% | 5,220 |
| Memoranda: | ||
| Average total assets | $306,465,000 | 2,146 |
| Average earning assets | $291,094,330 | 2,094 |
| Average equity | $25,905,330 | 2,643 |
| Average total loans | $276,790,670 | 1,728 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 1,302 |
| Cost of funding earning assets | 1.1177% | 1,129 |
| Net interest margin | 3.8974% | 2,198 |
| Noninterest income to average assets | 0.3238% | 3,695 |
| Noninterest expense to average assets | 2.3717% | 3,840 |
| Loan and lease loss provision to assets | 0.0590% | 2,472 |
| Net operating income to assets | 1.1309% | 2,349 |
| Return on assets (ROA) | 1.1288% | 2,402 |
| Pretax return on assets | 1.5890% | 1,499 |
| Return on Equity (ROE) | 13.4552% | 1,097 |
| Retained earnings to average equity (ytd only) | 5.6415% | 2,616 |
| Net charge-offs to loans | 0.0088% | 2,379 |
| Credit loss provision to net charge-offs | 750.0000% | 454 |
| Earnings coverage of net charge-offs (x) | 209.8333% | 372 |
| Efficiency ratio | 58.9635% | 3,959 |
| Assets per employee ($millions) | 5.0915% | 2,411 |
| Cash dividends to net income (ytd only)* | 58.0720% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,637 |
| Loan loss allowance to noncurrent loans | 58.2286% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.6574% | 672 |
| Noncurrent loans to loans | 1.7312% | 889 |
| Net loans and leases to total assets | 89.3959% | 61 |
| Net loans and leases to deposits | 100.4942% | 599 |
| Net loans and leases to core deposits | 104.9530% | 1,251 |
| Total domestic deposits to total assets | 88.9563% | 874 |
| Equity capital to assets | 8.4406% | 5,021 |
| Core capital (leverage) ratio | 8.5569% | 4,976 |
| Tier 1 risk-based capital ratio | 9.9751% | 5,289 |
| Total risk-based capital ratio | 11.0520% | 5,279 |
| Memoranda: | ||
| Average total assets | $305,094,000 | 2,171 |
| Average earning assets | $289,524,000 | 2,116 |
| Average equity | $25,596,000 | 2,673 |
| Average total loans | $272,459,000 | 1,750 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 947 |
| Cost of funding earning assets | 0.9586% | 894 |
| Net interest margin | 4.0885% | 1,716 |
| Noninterest income to average assets | 0.5820% | 2,390 |
| Noninterest expense to average assets | 2.8570% | 2,500 |
| Loan and lease loss provision to assets | 0.2042% | 923 |
| Net operating income to assets | 0.9514% | 3,223 |
| Return on assets (ROA) | 0.9455% | 3,249 |
| Pretax return on assets | 1.3819% | 2,201 |
| Return on Equity (ROE) | 11.5119% | 1,895 |
| Retained earnings to average equity (ytd only) | 9.2327% | 796 |
| Net charge-offs to loans | 0.1700% | 1,129 |
| Credit loss provision to net charge-offs | 133.3333% | 1,985 |
| Earnings coverage of net charge-offs (x) | 10.4044% | 2,724 |
| Efficiency ratio | 64.1939% | 3,162 |
| Assets per employee ($millions) | 4.9145% | 2,603 |
| Cash dividends to net income (ytd only)* | 19.7984% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,568 |
| Loan loss allowance to noncurrent loans | 66.6748% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 821 |
| Noncurrent loans to loans | 1.5280% | 989 |
| Net loans and leases to total assets | 87.3981% | 141 |
| Net loans and leases to deposits | 98.0938% | 892 |
| Net loans and leases to core deposits | 102.7749% | 1,519 |
| Total domestic deposits to total assets | 89.0965% | 822 |
| Equity capital to assets | 8.3383% | 5,025 |
| Core capital (leverage) ratio | 8.4569% | 5,048 |
| Tier 1 risk-based capital ratio | 10.0427% | 5,296 |
| Total risk-based capital ratio | 11.1266% | 5,291 |
| Memoranda: | ||
| Average total assets | $293,806,200 | 2,190 |
| Average earning assets | $278,002,600 | 2,151 |
| Average equity | $24,131,600 | 2,713 |
| Average total loans | $264,710,000 | 1,759 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 847 |
| Cost of funding earning assets | 0.9166% | 858 |
| Net interest margin | 4.1294% | 1,546 |
| Noninterest income to average assets | 0.5927% | 2,350 |
| Noninterest expense to average assets | 2.7565% | 2,787 |
| Loan and lease loss provision to assets | 0.0824% | 2,304 |
| Net operating income to assets | 1.0784% | 2,753 |
| Return on assets (ROA) | 1.0705% | 2,789 |
| Pretax return on assets | 1.6522% | 1,406 |
| Return on Equity (ROE) | 13.0851% | 1,398 |
| Retained earnings to average equity (ytd only) | 10.0056% | 923 |
| Net charge-offs to loans | -0.0076% | 4,324 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2394% | 3,624 |
| Assets per employee ($millions) | 4.9677% | 2,507 |
| Cash dividends to net income (ytd only)* | 23.5346% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 3,590 |
| Loan loss allowance to noncurrent loans | 62.3909% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.7399% | 693 |
| Noncurrent loans to loans | 1.6485% | 955 |
| Net loans and leases to total assets | 89.9770% | 73 |
| Net loans and leases to deposits | 104.6734% | 511 |
| Net loans and leases to core deposits | 109.7912% | 1,049 |
| Total domestic deposits to total assets | 85.9597% | 2,217 |
| Equity capital to assets | 8.3700% | 4,996 |
| Core capital (leverage) ratio | 8.4487% | 5,118 |
| Tier 1 risk-based capital ratio | 10.1662% | 5,339 |
| Total risk-based capital ratio | 11.3012% | 5,317 |
| Memoranda: | ||
| Average total assets | $291,082,500 | 2,212 |
| Average earning assets | $275,514,000 | 2,171 |
| Average equity | $23,812,750 | 2,758 |
| Average total loans | $263,626,500 | 1,772 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 794 |
| Cost of funding earning assets | 0.8596% | 876 |
| Net interest margin | 4.1519% | 1,402 |
| Noninterest income to average assets | 0.3893% | 3,558 |
| Noninterest expense to average assets | 2.8155% | 2,617 |
| Loan and lease loss provision to assets | 0.0623% | 2,658 |
| Net operating income to assets | 0.9163% | 3,390 |
| Return on assets (ROA) | 0.9163% | 3,393 |
| Pretax return on assets | 1.4420% | 2,013 |
| Return on Equity (ROE) | 11.2911% | 1,994 |
| Retained earnings to average equity (ytd only) | 6.5972% | 2,260 |
| Net charge-offs to loans | 0.0176% | 2,561 |
| Credit loss provision to net charge-offs | 391.3043% | 835 |
| Earnings coverage of net charge-offs (x) | 94.4348% | 723 |
| Efficiency ratio | 65.1756% | 3,127 |
| Assets per employee ($millions) | 4.7227% | 2,789 |
| Cash dividends to net income (ytd only)* | 41.5722% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,855 |
| Loan loss allowance to noncurrent loans | 57.8295% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.8159% | 637 |
| Noncurrent loans to loans | 1.7261% | 922 |
| Net loans and leases to total assets | 90.0645% | 70 |
| Net loans and leases to deposits | 102.9079% | 602 |
| Net loans and leases to core deposits | 107.7306% | 1,133 |
| Total domestic deposits to total assets | 87.5196% | 1,636 |
| Equity capital to assets | 8.1667% | 5,155 |
| Core capital (leverage) ratio | 8.3708% | 5,183 |
| Tier 1 risk-based capital ratio | 10.7655% | 5,164 |
| Total risk-based capital ratio | 11.9632% | 5,085 |
| Memoranda: | ||
| Average total assets | $288,755,670 | 2,237 |
| Average earning assets | $273,368,330 | 2,199 |
| Average equity | $23,434,330 | 2,799 |
| Average total loans | $261,177,000 | 1,784 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 912 |
| Cost of funding earning assets | 0.8354% | 812 |
| Net interest margin | 4.0425% | 1,589 |
| Noninterest income to average assets | 0.1562% | 5,078 |
| Noninterest expense to average assets | 2.7775% | 2,780 |
| Loan and lease loss provision to assets | 0.0140% | 3,348 |
| Net operating income to assets | 0.6724% | 4,199 |
| Return on assets (ROA) | 0.6724% | 4,202 |
| Pretax return on assets | 1.1858% | 2,818 |
| Return on Equity (ROE) | 8.3121% | 3,237 |
| Retained earnings to average equity (ytd only) | 2.2764% | 4,255 |
| Net charge-offs to loans | 0.0495% | 1,607 |
| Credit loss provision to net charge-offs | 31.2500% | 2,057 |
| Earnings coverage of net charge-offs (x) | 26.8750% | 1,313 |
| Efficiency ratio | 69.8351% | 2,508 |
| Assets per employee ($millions) | 4.6729% | 2,895 |
| Cash dividends to net income (ytd only)* | 72.6141% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,007 |
| Loan loss allowance to noncurrent loans | 67.5250% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4359% | 995 |
| Noncurrent loans to loans | 1.4698% | 1,207 |
| Net loans and leases to total assets | 89.9423% | 65 |
| Net loans and leases to deposits | 101.8699% | 584 |
| Net loans and leases to core deposits | 106.7548% | 1,188 |
| Total domestic deposits to total assets | 88.2913% | 1,467 |
| Equity capital to assets | 8.1626% | 5,199 |
| Core capital (leverage) ratio | 8.1971% | 5,317 |
| Tier 1 risk-based capital ratio | 10.1556% | 5,458 |
| Total risk-based capital ratio | 11.2776% | 5,434 |
| Memoranda: | ||
| Average total assets | $286,728,500 | 2,265 |
| Average earning assets | $271,019,000 | 2,223 |
| Average equity | $23,195,000 | 2,844 |
| Average total loans | $258,577,000 | 1,801 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 746 |
| Cost of funding earning assets | 0.7706% | 733 |
| Net interest margin | 4.1596% | 1,277 |
| Noninterest income to average assets | 0.3813% | 3,755 |
| Noninterest expense to average assets | 2.7163% | 3,076 |
| Loan and lease loss provision to assets | 0.1489% | 1,523 |
| Net operating income to assets | 1.4589% | 886 |
| Return on assets (ROA) | 1.4549% | 907 |
| Pretax return on assets | 1.4564% | 1,795 |
| Return on Equity (ROE) | 18.0693% | 298 |
| Retained earnings to average equity (ytd only) | 9.1609% | 481 |
| Net charge-offs to loans | 0.1261% | 1,787 |
| Credit loss provision to net charge-offs | 132.2581% | 1,998 |
| Earnings coverage of net charge-offs (x) | 14.2935% | 2,338 |
| Efficiency ratio | 62.7960% | 3,813 |
| Assets per employee ($millions) | 4.9726% | 2,512 |
| Cash dividends to net income (ytd only)* | 49.3010% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 3,915 |
| Loan loss allowance to noncurrent loans | 104.1382% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 1,539 |
| Noncurrent loans to loans | 0.9640% | 1,835 |
| Net loans and leases to total assets | 88.6288% | 111 |
| Net loans and leases to deposits | 100.1120% | 719 |
| Net loans and leases to core deposits | 104.5148% | 1,375 |
| Total domestic deposits to total assets | 88.5296% | 1,236 |
| Equity capital to assets | 8.0174% | 5,388 |
| Core capital (leverage) ratio | 8.2041% | 5,350 |
| Tier 1 risk-based capital ratio | 9.7616% | 5,573 |
| Total risk-based capital ratio | 10.8559% | 5,572 |
| Memoranda: | ||
| Average total assets | $275,339,600 | 2,315 |
| Average earning assets | $261,080,600 | 2,277 |
| Average equity | $22,170,200 | 2,942 |
| Average total loans | $245,918,400 | 1,845 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 800 |
| Cost of funding earning assets | 0.7474% | 765 |
| Net interest margin | 4.1271% | 1,322 |
| Noninterest income to average assets | 0.3734% | 3,858 |
| Noninterest expense to average assets | 2.6140% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.6760% | 613 |
| Return on assets (ROA) | 1.6760% | 627 |
| Pretax return on assets | 1.6779% | 1,174 |
| Return on Equity (ROE) | 20.7910% | 186 |
| Retained earnings to average equity (ytd only) | 9.3924% | 737 |
| Net charge-offs to loans | -0.0659% | 5,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9043% | 4,057 |
| Assets per employee ($millions) | 4.7371% | 2,777 |
| Cash dividends to net income (ytd only)* | 54.8246% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0421% | 3,831 |
| Loan loss allowance to noncurrent loans | 68.4748% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.5345% | 979 |
| Noncurrent loans to loans | 1.5218% | 1,223 |
| Net loans and leases to total assets | 90.3145% | 70 |
| Net loans and leases to deposits | 102.5266% | 580 |
| Net loans and leases to core deposits | 106.7366% | 1,218 |
| Total domestic deposits to total assets | 88.0888% | 1,320 |
| Equity capital to assets | 8.2457% | 5,422 |
| Core capital (leverage) ratio | 8.2654% | 5,387 |
| Tier 1 risk-based capital ratio | 10.1056% | 5,572 |
| Total risk-based capital ratio | 11.2726% | 5,552 |
| Memoranda: | ||
| Average total assets | $272,071,500 | 2,350 |
| Average earning assets | $258,315,750 | 2,307 |
| Average equity | $21,932,000 | 2,983 |
| Average total loans | $242,846,000 | 1,872 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 852 |
| Cost of funding earning assets | 0.7269% | 777 |
| Net interest margin | 4.0797% | 1,385 |
| Noninterest income to average assets | 0.3776% | 3,850 |
| Noninterest expense to average assets | 2.5304% | 3,658 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7147% | 550 |
| Return on assets (ROA) | 1.7147% | 553 |
| Pretax return on assets | 1.7177% | 1,018 |
| Return on Equity (ROE) | 21.4375% | 160 |
| Retained earnings to average equity (ytd only) | 8.7594% | 914 |
| Net charge-offs to loans | -0.0833% | 5,357 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5660% | 4,388 |
| Assets per employee ($millions) | 4.6989% | 2,791 |
| Cash dividends to net income (ytd only)* | 59.1398% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 3,892 |
| Loan loss allowance to noncurrent loans | 88.5246% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2450% | 1,353 |
| Noncurrent loans to loans | 1.1768% | 1,661 |
| Net loans and leases to total assets | 90.3405% | 71 |
| Net loans and leases to deposits | 102.2653% | 597 |
| Net loans and leases to core deposits | 105.3696% | 1,276 |
| Total domestic deposits to total assets | 88.3393% | 1,281 |
| Equity capital to assets | 8.0928% | 5,492 |
| Core capital (leverage) ratio | 8.1367% | 5,468 |
| Tier 1 risk-based capital ratio | 9.9412% | 5,644 |
| Total risk-based capital ratio | 11.1107% | 5,627 |
| Memoranda: | ||
| Average total assets | $271,178,670 | 2,366 |
| Average earning assets | $257,273,000 | 2,324 |
| Average equity | $21,691,000 | 3,009 |
| Average total loans | $240,210,670 | 1,885 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7372% | 868 |
| Cost of funding earning assets | 0.7187% | 768 |
| Net interest margin | 4.0185% | 1,422 |
| Noninterest income to average assets | 0.2765% | 4,567 |
| Noninterest expense to average assets | 2.2906% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7834% | 461 |
| Return on assets (ROA) | 1.7834% | 474 |
| Pretax return on assets | 1.7893% | 823 |
| Return on Equity (ROE) | 22.4283% | 136 |
| Retained earnings to average equity (ytd only) | 15.4544% | 218 |
| Net charge-offs to loans | -0.1255% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1435% | 4,924 |
| Assets per employee ($millions) | 5.3813% | 1,998 |
| Cash dividends to net income (ytd only)* | 31.0945% | 2,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 3,870 |
| Loan loss allowance to noncurrent loans | 72.7118% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 1.5569% | 1,012 |
| Noncurrent loans to loans | 1.4748% | 1,365 |
| Net loans and leases to total assets | 87.9780% | 109 |
| Net loans and leases to deposits | 96.5928% | 885 |
| Net loans and leases to core deposits | 99.1913% | 1,567 |
| Total domestic deposits to total assets | 91.0814% | 278 |
| Equity capital to assets | 8.1512% | 5,445 |
| Core capital (leverage) ratio | 8.1828% | 5,464 |
| Tier 1 risk-based capital ratio | 10.0209% | 5,689 |
| Total risk-based capital ratio | 11.1944% | 5,685 |
| Memoranda: | ||
| Average total assets | $270,498,500 | 2,393 |
| Average earning assets | $256,018,000 | 2,345 |
| Average equity | $21,508,500 | 3,029 |
| Average total loans | $235,913,500 | 1,923 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 746 |
| Cost of funding earning assets | 0.7616% | 603 |
| Net interest margin | 4.1330% | 1,299 |
| Noninterest income to average assets | 0.6733% | 2,298 |
| Noninterest expense to average assets | 2.7412% | 3,221 |
| Loan and lease loss provision to assets | 0.3294% | 542 |
| Net operating income to assets | 1.4880% | 848 |
| Return on assets (ROA) | 1.4880% | 870 |
| Pretax return on assets | 1.4895% | 1,613 |
| Return on Equity (ROE) | 19.3372% | 244 |
| Retained earnings to average equity (ytd only) | 9.6064% | 478 |
| Net charge-offs to loans | 0.2846% | 965 |
| Credit loss provision to net charge-offs | 132.1045% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.2949% | 3,036 |
| Efficiency ratio | 60.1125% | 4,564 |
| Assets per employee ($millions) | 5.3320% | 2,027 |
| Cash dividends to net income (ytd only)* | 50.3218% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,878 |
| Loan loss allowance to noncurrent loans | 85.8669% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 1,301 |
| Noncurrent loans to loans | 1.2475% | 1,645 |
| Net loans and leases to total assets | 84.5990% | 331 |
| Net loans and leases to deposits | 92.4906% | 1,371 |
| Net loans and leases to core deposits | 94.9110% | 2,016 |
| Total domestic deposits to total assets | 91.4677% | 165 |
| Equity capital to assets | 7.7538% | 5,650 |
| Core capital (leverage) ratio | 7.9457% | 5,644 |
| Tier 1 risk-based capital ratio | 9.8433% | 5,776 |
| Total risk-based capital ratio | 11.0093% | 5,765 |
| Memoranda: | ||
| Average total assets | $261,087,800 | 2,430 |
| Average earning assets | $245,538,800 | 2,394 |
| Average equity | $20,090,800 | 3,160 |
| Average total loans | $228,713,000 | 1,916 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9905% | 616 |
| Cost of funding earning assets | 0.7699% | 575 |
| Net interest margin | 4.2206% | 1,077 |
| Noninterest income to average assets | 0.3953% | 3,954 |
| Noninterest expense to average assets | 2.5079% | 3,965 |
| Loan and lease loss provision to assets | 0.0903% | 2,421 |
| Net operating income to assets | 1.7499% | 537 |
| Return on assets (ROA) | 1.7499% | 566 |
| Pretax return on assets | 1.7519% | 994 |
| Return on Equity (ROE) | 22.7858% | 133 |
| Retained earnings to average equity (ytd only) | 9.6492% | 652 |
| Net charge-offs to loans | -0.0152% | 4,914 |
| Credit loss provision to net charge-offs | -673.0769% | 5,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6512% | 4,865 |
| Assets per employee ($millions) | 4.8874% | 2,509 |
| Cash dividends to net income (ytd only)* | 57.6526% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 3,896 |
| Loan loss allowance to noncurrent loans | 74.6619% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 1,201 |
| Noncurrent loans to loans | 1.4574% | 1,484 |
| Net loans and leases to total assets | 87.1679% | 182 |
| Net loans and leases to deposits | 96.4367% | 1,006 |
| Net loans and leases to core deposits | 99.5354% | 1,680 |
| Total domestic deposits to total assets | 90.3888% | 349 |
| Equity capital to assets | 7.9770% | 5,747 |
| Core capital (leverage) ratio | 7.9335% | 5,711 |
| Tier 1 risk-based capital ratio | 9.9757% | 5,795 |
| Total risk-based capital ratio | 11.1766% | 5,779 |
| Memoranda: | ||
| Average total assets | $258,377,000 | 2,456 |
| Average earning assets | $242,108,750 | 2,429 |
| Average equity | $19,842,250 | 3,209 |
| Average total loans | $227,755,750 | 1,923 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8450% | 810 |
| Cost of funding earning assets | 0.7470% | 644 |
| Net interest margin | 4.0980% | 1,364 |
| Noninterest income to average assets | 0.3633% | 4,161 |
| Noninterest expense to average assets | 2.4171% | 4,282 |
| Loan and lease loss provision to assets | 0.1356% | 1,680 |
| Net operating income to assets | 1.6408% | 654 |
| Return on assets (ROA) | 1.6408% | 696 |
| Pretax return on assets | 1.6439% | 1,240 |
| Return on Equity (ROE) | 21.6468% | 168 |
| Retained earnings to average equity (ytd only) | 7.4916% | 1,384 |
| Net charge-offs to loans | -0.0018% | 4,360 |
| Credit loss provision to net charge-offs | -8,750.0000% | 5,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5965% | 4,959 |
| Assets per employee ($millions) | 5.0741% | 2,229 |
| Cash dividends to net income (ytd only)* | 65.3919% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 4,057 |
| Loan loss allowance to noncurrent loans | 49.9594% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 721 |
| Noncurrent loans to loans | 2.1602% | 888 |
| Net loans and leases to total assets | 88.8768% | 104 |
| Net loans and leases to deposits | 98.9169% | 795 |
| Net loans and leases to core deposits | 102.1260% | 1,460 |
| Total domestic deposits to total assets | 89.8500% | 542 |
| Equity capital to assets | 7.8635% | 5,844 |
| Core capital (leverage) ratio | 7.7748% | 5,828 |
| Tier 1 risk-based capital ratio | 9.4714% | 5,953 |
| Total risk-based capital ratio | 10.6421% | 5,953 |
| Memoranda: | ||
| Average total assets | $258,159,000 | 2,466 |
| Average earning assets | $241,485,000 | 2,443 |
| Average equity | $19,568,670 | 3,245 |
| Average total loans | $227,582,330 | 1,930 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 1,016 |
| Cost of funding earning assets | 0.7328% | 683 |
| Net interest margin | 3.9819% | 1,665 |
| Noninterest income to average assets | 0.3257% | 4,406 |
| Noninterest expense to average assets | 2.2920% | 4,684 |
| Loan and lease loss provision to assets | 0.1536% | 1,373 |
| Net operating income to assets | 1.5884% | 717 |
| Return on assets (ROA) | 1.5884% | 756 |
| Pretax return on assets | 1.5946% | 1,312 |
| Return on Equity (ROE) | 21.3438% | 188 |
| Retained earnings to average equity (ytd only) | 13.7063% | 341 |
| Net charge-offs to loans | -0.0317% | 5,091 |
| Credit loss provision to net charge-offs | -555.5556% | 4,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7300% | 5,126 |
| Assets per employee ($millions) | 5.5206% | 1,815 |
| Cash dividends to net income (ytd only)* | 35.7834% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 4,313 |
| Loan loss allowance to noncurrent loans | 49.8132% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 2.1267% | 793 |
| Noncurrent loans to loans | 2.1185% | 988 |
| Net loans and leases to total assets | 86.7264% | 179 |
| Net loans and leases to deposits | 96.2559% | 923 |
| Net loans and leases to core deposits | 99.1221% | 1,554 |
| Total domestic deposits to total assets | 90.0998% | 563 |
| Equity capital to assets | 7.6568% | 5,916 |
| Core capital (leverage) ratio | 7.6783% | 5,881 |
| Tier 1 risk-based capital ratio | 9.3099% | 6,032 |
| Total risk-based capital ratio | 10.4367% | 6,038 |
| Memoranda: | ||
| Average total assets | $260,386,500 | 2,460 |
| Average earning assets | $242,898,000 | 2,442 |
| Average equity | $19,378,000 | 3,263 |
| Average total loans | $227,401,500 | 1,935 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2630% | 386 |
| Cost of funding earning assets | 0.7267% | 709 |
| Net interest margin | 4.5363% | 613 |
| Noninterest income to average assets | 0.3056% | 4,698 |
| Noninterest expense to average assets | 2.5994% | 3,923 |
| Loan and lease loss provision to assets | 0.5793% | 189 |
| Net operating income to assets | 1.3577% | 1,127 |
| Return on assets (ROA) | 1.3577% | 1,171 |
| Pretax return on assets | 1.3593% | 2,073 |
| Return on Equity (ROE) | 17.7237% | 402 |
| Retained earnings to average equity (ytd only) | 9.2838% | 590 |
| Net charge-offs to loans | 0.3989% | 716 |
| Credit loss provision to net charge-offs | 162.7358% | 1,650 |
| Earnings coverage of net charge-offs (x) | 5.4458% | 3,388 |
| Efficiency ratio | 57.2803% | 5,227 |
| Assets per employee ($millions) | 5.4438% | 1,863 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 4,582 |
| Loan loss allowance to noncurrent loans | 63.1710% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6510% | 1,183 |
| Noncurrent loans to loans | 1.5894% | 1,445 |
| Net loans and leases to total assets | 86.1418% | 219 |
| Net loans and leases to deposits | 96.5700% | 949 |
| Net loans and leases to core deposits | 99.4477% | 1,558 |
| Total domestic deposits to total assets | 89.2015% | 1,021 |
| Equity capital to assets | 7.2287% | 6,022 |
| Core capital (leverage) ratio | 7.3325% | 6,004 |
| Tier 1 risk-based capital ratio | 8.8870% | 6,111 |
| Total risk-based capital ratio | 9.9626% | 6,117 |
| Memoranda: | ||
| Average total assets | $238,205,400 | 2,594 |
| Average earning assets | $222,249,400 | 2,564 |
| Average equity | $18,246,800 | 3,348 |
| Average total loans | $212,584,800 | 1,977 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2113% | 437 |
| Cost of funding earning assets | 0.7112% | 790 |
| Net interest margin | 4.5001% | 649 |
| Noninterest income to average assets | 0.3511% | 4,431 |
| Noninterest expense to average assets | 2.5137% | 4,156 |
| Loan and lease loss provision to assets | 0.2065% | 960 |
| Net operating income to assets | 1.8356% | 478 |
| Return on assets (ROA) | 1.8356% | 501 |
| Pretax return on assets | 1.8379% | 825 |
| Return on Equity (ROE) | 23.5901% | 147 |
| Retained earnings to average equity (ytd only) | 12.2374% | 337 |
| Net charge-offs to loans | -0.1066% | 5,805 |
| Credit loss provision to net charge-offs | -215.5689% | 5,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1472% | 5,436 |
| Assets per employee ($millions) | 5.9900% | 1,381 |
| Cash dividends to net income (ytd only)* | 48.1250% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 4,631 |
| Loan loss allowance to noncurrent loans | 71.2543% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 1,292 |
| Noncurrent loans to loans | 1.4352% | 1,757 |
| Net loans and leases to total assets | 89.7741% | 70 |
| Net loans and leases to deposits | 105.8139% | 372 |
| Net loans and leases to core deposits | 110.4749% | 853 |
| Total domestic deposits to total assets | 84.8415% | 3,078 |
| Equity capital to assets | 7.6864% | 6,040 |
| Core capital (leverage) ratio | 7.8323% | 5,970 |
| Tier 1 risk-based capital ratio | 9.2191% | 6,178 |
| Total risk-based capital ratio | 10.3342% | 6,172 |
| Memoranda: | ||
| Average total assets | $232,430,750 | 2,668 |
| Average earning assets | $217,293,500 | 2,627 |
| Average equity | $18,086,250 | 3,398 |
| Average total loans | $208,887,250 | 2,012 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1851% | 435 |
| Cost of funding earning assets | 0.6945% | 868 |
| Net interest margin | 4.4906% | 653 |
| Noninterest income to average assets | 0.3359% | 4,556 |
| Noninterest expense to average assets | 2.5250% | 4,158 |
| Loan and lease loss provision to assets | 0.2105% | 923 |
| Net operating income to assets | 1.7821% | 535 |
| Return on assets (ROA) | 1.7821% | 562 |
| Pretax return on assets | 1.7856% | 917 |
| Return on Equity (ROE) | 22.8024% | 166 |
| Retained earnings to average equity (ytd only) | 10.5708% | 568 |
| Net charge-offs to loans | -0.0578% | 5,596 |
| Credit loss provision to net charge-offs | -406.7797% | 5,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8487% | 5,443 |
| Assets per employee ($millions) | 5.4289% | 1,811 |
| Cash dividends to net income (ytd only)* | 53.6417% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 5,014 |
| Loan loss allowance to noncurrent loans | 87.2658% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.4299% | 1,748 |
| Noncurrent loans to loans | 1.1094% | 2,438 |
| Net loans and leases to total assets | 89.7876% | 72 |
| Net loans and leases to deposits | 104.0725% | 447 |
| Net loans and leases to core deposits | 108.0345% | 949 |
| Total domestic deposits to total assets | 86.2741% | 2,544 |
| Equity capital to assets | 7.7745% | 6,053 |
| Core capital (leverage) ratio | 7.9296% | 5,962 |
| Tier 1 risk-based capital ratio | 9.8249% | 6,136 |
| Total risk-based capital ratio | 10.9361% | 6,137 |
| Memoranda: | ||
| Average total assets | $228,044,000 | 2,717 |
| Average earning assets | $212,533,330 | 2,685 |
| Average equity | $17,822,670 | 3,448 |
| Average total loans | $204,264,670 | 2,049 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 415 |
| Cost of funding earning assets | 0.6939% | 875 |
| Net interest margin | 4.4903% | 611 |
| Noninterest income to average assets | 0.3248% | 4,586 |
| Noninterest expense to average assets | 2.5117% | 4,230 |
| Loan and lease loss provision to assets | 0.2130% | 834 |
| Net operating income to assets | 1.7626% | 519 |
| Return on assets (ROA) | 1.7626% | 546 |
| Pretax return on assets | 1.7697% | 919 |
| Return on Equity (ROE) | 22.4921% | 169 |
| Retained earnings to average equity (ytd only) | 20.4536% | 96 |
| Net charge-offs to loans | -0.0140% | 4,882 |
| Credit loss provision to net charge-offs | -1,714.2857% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8847% | 5,524 |
| Assets per employee ($millions) | 5.1077% | 2,215 |
| Cash dividends to net income (ytd only)* | 9.0634% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9390% | 5,297 |
| Loan loss allowance to noncurrent loans | 42.2272% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.4184% | 901 |
| Noncurrent loans to loans | 2.2236% | 1,132 |
| Net loans and leases to total assets | 88.1138% | 100 |
| Net loans and leases to deposits | 100.5867% | 531 |
| Net loans and leases to core deposits | 104.4204% | 1,038 |
| Total domestic deposits to total assets | 87.5998% | 2,044 |
| Equity capital to assets | 8.0636% | 6,001 |
| Core capital (leverage) ratio | 7.9506% | 5,968 |
| Tier 1 risk-based capital ratio | 10.1542% | 6,126 |
| Total risk-based capital ratio | 11.2082% | 6,141 |
| Memoranda: | ||
| Average total assets | $225,345,000 | 2,763 |
| Average earning assets | $209,252,000 | 2,737 |
| Average equity | $17,659,500 | 3,501 |
| Average total loans | $200,571,500 | 2,084 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 664 |
| Cost of funding earning assets | 0.7241% | 980 |
| Net interest margin | 4.3543% | 959 |
| Noninterest income to average assets | 0.3282% | 4,768 |
| Noninterest expense to average assets | 2.6912% | 3,899 |
| Loan and lease loss provision to assets | 0.5066% | 300 |
| Net operating income to assets | 1.1752% | 1,657 |
| Return on assets (ROA) | 1.1757% | 1,729 |
| Pretax return on assets | 1.1766% | 2,751 |
| Return on Equity (ROE) | 15.0548% | 774 |
| Retained earnings to average equity (ytd only) | 6.8817% | 1,458 |
| Net charge-offs to loans | 0.5737% | 704 |
| Credit loss provision to net charge-offs | 100.9302% | 2,368 |
| Earnings coverage of net charge-offs (x) | 3.3526% | 3,910 |
| Efficiency ratio | 61.5286% | 4,990 |
| Assets per employee ($millions) | 5.1353% | 2,144 |
| Cash dividends to net income (ytd only)* | 54.2891% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 5,565 |
| Loan loss allowance to noncurrent loans | 42.8327% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 2.2828% | 1,053 |
| Noncurrent loans to loans | 2.0314% | 1,362 |
| Net loans and leases to total assets | 88.2886% | 106 |
| Net loans and leases to deposits | 101.3468% | 548 |
| Net loans and leases to core deposits | 105.1935% | 1,065 |
| Total domestic deposits to total assets | 87.1153% | 2,215 |
| Equity capital to assets | 7.6109% | 6,202 |
| Core capital (leverage) ratio | 7.9185% | 6,042 |
| Tier 1 risk-based capital ratio | 9.4166% | 6,362 |
| Total risk-based capital ratio | 10.3758% | 6,380 |
| Memoranda: | ||
| Average total assets | $214,177,800 | 2,840 |
| Average earning assets | $198,997,800 | 2,815 |
| Average equity | $16,725,600 | 3,571 |
| Average total loans | $187,367,000 | 2,140 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 663 |
| Cost of funding earning assets | 0.7257% | 1,016 |
| Net interest margin | 4.3622% | 937 |
| Noninterest income to average assets | 0.3749% | 4,433 |
| Noninterest expense to average assets | 2.5816% | 4,252 |
| Loan and lease loss provision to assets | 0.5839% | 233 |
| Net operating income to assets | 1.2643% | 1,478 |
| Return on assets (ROA) | 1.2643% | 1,539 |
| Pretax return on assets | 1.2655% | 2,516 |
| Return on Equity (ROE) | 16.0804% | 667 |
| Retained earnings to average equity (ytd only) | 6.1335% | 2,322 |
| Net charge-offs to loans | 0.6598% | 539 |
| Credit loss provision to net charge-offs | 101.6484% | 2,172 |
| Earnings coverage of net charge-offs (x) | 3.2198% | 3,704 |
| Efficiency ratio | 58.2621% | 5,411 |
| Assets per employee ($millions) | 4.8351% | 2,469 |
| Cash dividends to net income (ytd only)* | 61.8573% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 5,526 |
| Loan loss allowance to noncurrent loans | 39.6657% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.6544% | 962 |
| Noncurrent loans to loans | 2.3232% | 1,288 |
| Net loans and leases to total assets | 88.7437% | 85 |
| Net loans and leases to deposits | 100.7568% | 574 |
| Net loans and leases to core deposits | 103.6151% | 1,120 |
| Total domestic deposits to total assets | 88.0772% | 1,723 |
| Equity capital to assets | 7.9057% | 6,179 |
| Core capital (leverage) ratio | 7.9753% | 6,083 |
| Tier 1 risk-based capital ratio | 9.5338% | 6,430 |
| Total risk-based capital ratio | 10.5300% | 6,444 |
| Memoranda: | ||
| Average total assets | $211,234,500 | 2,892 |
| Average earning assets | $196,410,500 | 2,872 |
| Average equity | $16,607,750 | 3,600 |
| Average total loans | $183,898,750 | 2,191 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 528 |
| Cost of funding earning assets | 0.7190% | 1,093 |
| Net interest margin | 4.4563% | 770 |
| Noninterest income to average assets | 0.3654% | 4,514 |
| Noninterest expense to average assets | 2.5805% | 4,304 |
| Loan and lease loss provision to assets | 0.2847% | 709 |
| Net operating income to assets | 1.6220% | 672 |
| Return on assets (ROA) | 1.6220% | 700 |
| Pretax return on assets | 1.6239% | 1,191 |
| Return on Equity (ROE) | 20.6684% | 256 |
| Retained earnings to average equity (ytd only) | 8.7076% | 1,074 |
| Net charge-offs to loans | -0.0550% | 5,923 |
| Credit loss provision to net charge-offs | -600.0000% | 5,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4841% | 5,615 |
| Assets per employee ($millions) | 4.7417% | 2,548 |
| Cash dividends to net income (ytd only)* | 57.8701% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 4,714 |
| Loan loss allowance to noncurrent loans | 39.5873% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 3.1165% | 811 |
| Noncurrent loans to loans | 2.8777% | 1,037 |
| Net loans and leases to total assets | 86.9734% | 131 |
| Net loans and leases to deposits | 96.6250% | 761 |
| Net loans and leases to core deposits | 99.2165% | 1,341 |
| Total domestic deposits to total assets | 90.0112% | 804 |
| Equity capital to assets | 8.0466% | 6,128 |
| Core capital (leverage) ratio | 7.9852% | 6,109 |
| Tier 1 risk-based capital ratio | 10.0266% | 6,392 |
| Total risk-based capital ratio | 11.2766% | 6,350 |
| Memoranda: | ||
| Average total assets | $210,731,330 | 2,905 |
| Average earning assets | $195,003,330 | 2,895 |
| Average equity | $16,537,330 | 3,607 |
| Average total loans | $181,680,670 | 2,215 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0855% | 611 |
| Cost of funding earning assets | 0.7058% | 1,211 |
| Net interest margin | 4.3797% | 840 |
| Noninterest income to average assets | 0.3135% | 4,858 |
| Noninterest expense to average assets | 2.5196% | 4,553 |
| Loan and lease loss provision to assets | 0.1889% | 1,261 |
| Net operating income to assets | 1.6564% | 613 |
| Return on assets (ROA) | 1.6564% | 642 |
| Pretax return on assets | 1.6602% | 1,049 |
| Return on Equity (ROE) | 21.3746% | 228 |
| Retained earnings to average equity (ytd only) | 17.4750% | 200 |
| Net charge-offs to loans | -0.0929% | 6,091 |
| Credit loss provision to net charge-offs | -238.0952% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6740% | 5,681 |
| Assets per employee ($millions) | 4.6088% | 2,799 |
| Cash dividends to net income (ytd only)* | 18.2440% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 5,363 |
| Loan loss allowance to noncurrent loans | 42.5922% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.7221% | 1,118 |
| Noncurrent loans to loans | 2.4377% | 1,435 |
| Net loans and leases to total assets | 84.6557% | 206 |
| Net loans and leases to deposits | 93.9522% | 799 |
| Net loans and leases to core deposits | 96.4194% | 1,354 |
| Total domestic deposits to total assets | 90.1050% | 1,010 |
| Equity capital to assets | 7.9096% | 6,111 |
| Core capital (leverage) ratio | 7.9757% | 6,134 |
| Tier 1 risk-based capital ratio | 10.0146% | 6,472 |
| Total risk-based capital ratio | 11.1400% | 6,482 |
| Memoranda: | ||
| Average total assets | $211,780,000 | 2,900 |
| Average earning assets | $196,087,500 | 2,897 |
| Average equity | $16,412,000 | 3,631 |
| Average total loans | $180,747,500 | 2,227 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 656 |
| Cost of funding earning assets | 0.7676% | 1,394 |
| Net interest margin | 4.4192% | 881 |
| Noninterest income to average assets | 0.3106% | 5,115 |
| Noninterest expense to average assets | 2.7849% | 3,780 |
| Loan and lease loss provision to assets | 0.3796% | 809 |
| Net operating income to assets | 1.2158% | 1,503 |
| Return on assets (ROA) | 1.2158% | 1,576 |
| Pretax return on assets | 1.2183% | 2,506 |
| Return on Equity (ROE) | 15.9105% | 630 |
| Retained earnings to average equity (ytd only) | 8.3847% | 934 |
| Net charge-offs to loans | 0.4661% | 1,428 |
| Credit loss provision to net charge-offs | 98.7261% | 2,515 |
| Earnings coverage of net charge-offs (x) | 4.1554% | 3,657 |
| Efficiency ratio | 63.5409% | 4,981 |
| Assets per employee ($millions) | 4.5990% | 2,719 |
| Cash dividends to net income (ytd only)* | 47.3006% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 5,712 |
| Loan loss allowance to noncurrent loans | 142.2386% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.2404% | 2,936 |
| Noncurrent loans to loans | 0.6795% | 4,276 |
| Net loans and leases to total assets | 84.3264% | 232 |
| Net loans and leases to deposits | 92.8792% | 970 |
| Net loans and leases to core deposits | 95.9087% | 1,464 |
| Total domestic deposits to total assets | 90.7914% | 663 |
| Equity capital to assets | 7.5891% | 6,238 |
| Core capital (leverage) ratio | 7.4579% | 6,389 |
| Tier 1 risk-based capital ratio | 9.8761% | 6,545 |
| Total risk-based capital ratio | 10.9481% | 6,555 |
| Memoranda: | ||
| Average total assets | $204,138,800 | 2,986 |
| Average earning assets | $188,109,000 | 2,979 |
| Average equity | $15,599,800 | 3,765 |
| Average total loans | $168,423,600 | 2,322 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 629 |
| Cost of funding earning assets | 0.7733% | 1,467 |
| Net interest margin | 4.4360% | 829 |
| Noninterest income to average assets | 0.4660% | 4,029 |
| Noninterest expense to average assets | 2.7116% | 3,977 |
| Loan and lease loss provision to assets | 0.1813% | 2,005 |
| Net operating income to assets | 1.6498% | 684 |
| Return on assets (ROA) | 1.6498% | 721 |
| Pretax return on assets | 1.6531% | 1,204 |
| Return on Equity (ROE) | 21.5501% | 223 |
| Retained earnings to average equity (ytd only) | 12.3033% | 389 |
| Net charge-offs to loans | 0.0540% | 4,134 |
| Credit loss provision to net charge-offs | 410.4478% | 650 |
| Earnings coverage of net charge-offs (x) | 41.5378% | 978 |
| Efficiency ratio | 59.6491% | 5,479 |
| Assets per employee ($millions) | 4.3345% | 3,164 |
| Cash dividends to net income (ytd only)* | 42.9084% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,305 |
| Loan loss allowance to noncurrent loans | 173.7356% | 2,262 |
| Noncurrent assets plus other real estate owned to assets | 1.4198% | 2,828 |
| Noncurrent loans to loans | 0.6360% | 4,601 |
| Net loans and leases to total assets | 84.2263% | 232 |
| Net loans and leases to deposits | 96.8744% | 633 |
| Net loans and leases to core deposits | 100.5982% | 1,071 |
| Total domestic deposits to total assets | 86.9438% | 2,724 |
| Equity capital to assets | 7.7753% | 6,270 |
| Core capital (leverage) ratio | 7.9578% | 6,252 |
| Tier 1 risk-based capital ratio | 10.1538% | 6,552 |
| Total risk-based capital ratio | 11.3838% | 6,534 |
| Memoranda: | ||
| Average total assets | $202,285,250 | 3,032 |
| Average earning assets | $186,048,500 | 3,030 |
| Average equity | $15,486,000 | 3,830 |
| Average total loans | $165,495,500 | 2,363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2588% | 571 |
| Cost of funding earning assets | 0.8015% | 1,400 |
| Net interest margin | 4.4573% | 769 |
| Noninterest income to average assets | 0.5001% | 3,833 |
| Noninterest expense to average assets | 2.6821% | 4,099 |
| Loan and lease loss provision to assets | 0.2745% | 1,342 |
| Net operating income to assets | 1.6241% | 716 |
| Return on assets (ROA) | 1.6241% | 782 |
| Pretax return on assets | 1.6291% | 1,280 |
| Return on Equity (ROE) | 21.3298% | 231 |
| Retained earnings to average equity (ytd only) | 11.1827% | 612 |
| Net charge-offs to loans | 0.0606% | 3,837 |
| Credit loss provision to net charge-offs | 561.2245% | 508 |
| Earnings coverage of net charge-offs (x) | 38.9184% | 949 |
| Efficiency ratio | 58.4893% | 5,669 |
| Assets per employee ($millions) | 4.1450% | 3,478 |
| Cash dividends to net income (ytd only)* | 47.5722% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1890% | 5,043 |
| Loan loss allowance to noncurrent loans | 133.7847% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.8049% | 2,403 |
| Noncurrent loans to loans | 0.8887% | 4,151 |
| Net loans and leases to total assets | 82.5367% | 320 |
| Net loans and leases to deposits | 94.4742% | 777 |
| Net loans and leases to core deposits | 95.7159% | 1,379 |
| Total domestic deposits to total assets | 87.3643% | 2,608 |
| Equity capital to assets | 7.8383% | 6,300 |
| Core capital (leverage) ratio | 7.9155% | 6,243 |
| Tier 1 risk-based capital ratio | 10.3573% | 6,552 |
| Total risk-based capital ratio | 11.6077% | 6,525 |
| Memoranda: | ||
| Average total assets | $200,362,000 | 3,070 |
| Average earning assets | $183,653,330 | 3,067 |
| Average equity | $15,255,670 | 3,899 |
| Average total loans | $161,595,670 | 2,418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 623 |
| Cost of funding earning assets | 0.8326% | 1,352 |
| Net interest margin | 4.3488% | 882 |
| Noninterest income to average assets | 0.3899% | 4,536 |
| Noninterest expense to average assets | 2.5624% | 4,521 |
| Loan and lease loss provision to assets | 0.5471% | 484 |
| Net operating income to assets | 1.2295% | 1,436 |
| Return on assets (ROA) | 1.2295% | 1,550 |
| Pretax return on assets | 1.2394% | 2,435 |
| Return on Equity (ROE) | 16.3861% | 568 |
| Retained earnings to average equity (ytd only) | 16.3861% | 254 |
| Net charge-offs to loans | 0.1507% | 2,496 |
| Credit loss provision to net charge-offs | 458.3333% | 576 |
| Earnings coverage of net charge-offs (x) | 14.9667% | 1,426 |
| Efficiency ratio | 58.9204% | 5,728 |
| Assets per employee ($millions) | 4.1391% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 4,935 |
| Loan loss allowance to noncurrent loans | 353.4173% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.4360% | 3,106 |
| Noncurrent loans to loans | 0.3541% | 5,510 |
| Net loans and leases to total assets | 78.0459% | 605 |
| Net loans and leases to deposits | 84.9988% | 1,469 |
| Net loans and leases to core deposits | 86.6581% | 2,046 |
| Total domestic deposits to total assets | 91.8199% | 281 |
| Equity capital to assets | 7.7482% | 6,502 |
| Core capital (leverage) ratio | 7.6893% | 6,362 |
| Tier 1 risk-based capital ratio | 10.6969% | 6,522 |
| Total risk-based capital ratio | 11.9482% | 6,485 |
| Memoranda: | ||
| Average total assets | $201,063,000 | 3,086 |
| Average earning assets | $183,039,500 | 3,104 |
| Average equity | $15,086,000 | 3,981 |
| Average total loans | $159,298,000 | 2,455 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4248% | 727 |
| Cost of funding earning assets | 1.0529% | 1,109 |
| Net interest margin | 4.3720% | 1,226 |
| Noninterest income to average assets | 0.3240% | 5,141 |
| Noninterest expense to average assets | 2.8840% | 3,704 |
| Loan and lease loss provision to assets | 0.4761% | 1,294 |
| Net operating income to assets | 0.9475% | 2,563 |
| Return on assets (ROA) | 0.9475% | 2,815 |
| Pretax return on assets | 0.9501% | 3,745 |
| Return on Equity (ROE) | 12.3508% | 1,405 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,474 |
| Net charge-offs to loans | 0.5112% | 2,200 |
| Credit loss provision to net charge-offs | 119.8693% | 2,392 |
| Earnings coverage of net charge-offs (x) | 3.5908% | 3,668 |
| Efficiency ratio | 66.9116% | 4,344 |
| Assets per employee ($millions) | 4.2385% | 3,480 |
| Cash dividends to net income (ytd only)* | 68.7123% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,618 |
| Loan loss allowance to noncurrent loans | 257.7320% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 1.5021% | 3,132 |
| Noncurrent loans to loans | 0.4202% | 5,438 |
| Net loans and leases to total assets | 78.5562% | 616 |
| Net loans and leases to deposits | 86.0002% | 1,515 |
| Net loans and leases to core deposits | 87.8910% | 2,100 |
| Total domestic deposits to total assets | 91.3442% | 386 |
| Equity capital to assets | 7.2638% | 6,704 |
| Core capital (leverage) ratio | 7.2916% | 6,588 |
| Tier 1 risk-based capital ratio | 10.0081% | 6,701 |
| Total risk-based capital ratio | 11.1960% | 6,681 |
| Memoranda: | ||
| Average total assets | $192,615,400 | 3,142 |
| Average earning assets | $175,618,000 | 3,153 |
| Average equity | $14,776,400 | 4,013 |
| Average total loans | $149,649,600 | 2,580 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3819% | 864 |
| Cost of funding earning assets | 1.0841% | 1,130 |
| Net interest margin | 4.2979% | 1,467 |
| Noninterest income to average assets | 0.4528% | 4,270 |
| Noninterest expense to average assets | 2.5570% | 4,892 |
| Loan and lease loss provision to assets | 0.3159% | 2,094 |
| Net operating income to assets | 1.5095% | 1,002 |
| Return on assets (ROA) | 1.5095% | 1,113 |
| Pretax return on assets | 1.5130% | 1,832 |
| Return on Equity (ROE) | 19.4004% | 374 |
| Retained earnings to average equity (ytd only) | 8.0850% | 1,585 |
| Net charge-offs to loans | 0.3645% | 2,646 |
| Credit loss provision to net charge-offs | 112.2195% | 2,607 |
| Earnings coverage of net charge-offs (x) | 6.4963% | 2,777 |
| Efficiency ratio | 58.3000% | 5,749 |
| Assets per employee ($millions) | 4.3255% | 3,221 |
| Cash dividends to net income (ytd only)* | 58.3255% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 5,761 |
| Loan loss allowance to noncurrent loans | 65.2536% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 2.3991% | 2,221 |
| Noncurrent loans to loans | 1.6703% | 3,287 |
| Net loans and leases to total assets | 78.5329% | 670 |
| Net loans and leases to deposits | 86.7753% | 1,511 |
| Net loans and leases to core deposits | 88.0435% | 2,207 |
| Total domestic deposits to total assets | 90.5015% | 600 |
| Equity capital to assets | 7.9407% | 6,623 |
| Core capital (leverage) ratio | 7.9789% | 6,346 |
| Tier 1 risk-based capital ratio | 10.8533% | 6,541 |
| Total risk-based capital ratio | 12.0393% | 6,543 |
| Memoranda: | ||
| Average total assets | $189,907,250 | 3,205 |
| Average earning assets | $173,787,750 | 3,216 |
| Average equity | $14,776,000 | 4,050 |
| Average total loans | $146,669,250 | 2,652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4149% | 846 |
| Cost of funding earning assets | 1.1198% | 1,130 |
| Net interest margin | 4.2951% | 1,489 |
| Noninterest income to average assets | 0.5501% | 3,583 |
| Noninterest expense to average assets | 2.4999% | 5,137 |
| Loan and lease loss provision to assets | 0.1897% | 3,203 |
| Net operating income to assets | 1.7927% | 574 |
| Return on assets (ROA) | 1.7927% | 644 |
| Pretax return on assets | 1.7980% | 1,045 |
| Return on Equity (ROE) | 23.2002% | 198 |
| Retained earnings to average equity (ytd only) | 9.5065% | 1,113 |
| Net charge-offs to loans | 0.0551% | 4,642 |
| Credit loss provision to net charge-offs | 450.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 47.1500% | 767 |
| Efficiency ratio | 55.7069% | 6,146 |
| Assets per employee ($millions) | 4.2838% | 3,281 |
| Cash dividends to net income (ytd only)* | 59.0241% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,474 |
| Loan loss allowance to noncurrent loans | 140.1613% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 3,865 |
| Noncurrent loans to loans | 0.8359% | 4,841 |
| Net loans and leases to total assets | 77.7819% | 748 |
| Net loans and leases to deposits | 85.8687% | 1,617 |
| Net loans and leases to core deposits | 87.1437% | 2,297 |
| Total domestic deposits to total assets | 90.5823% | 623 |
| Equity capital to assets | 7.9152% | 6,627 |
| Core capital (leverage) ratio | 7.8389% | 6,417 |
| Tier 1 risk-based capital ratio | 10.9757% | 6,510 |
| Total risk-based capital ratio | 12.2261% | 6,491 |
| Memoranda: | ||
| Average total assets | $189,768,330 | 3,219 |
| Average earning assets | $173,965,000 | 3,219 |
| Average equity | $14,663,670 | 4,055 |
| Average total loans | $145,187,670 | 2,681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5018% | 751 |
| Cost of funding earning assets | 1.1734% | 1,092 |
| Net interest margin | 4.3284% | 1,384 |
| Noninterest income to average assets | 0.6638% | 2,845 |
| Noninterest expense to average assets | 2.4453% | 5,329 |
| Loan and lease loss provision to assets | 0.1155% | 3,907 |
| Net operating income to assets | 2.0524% | 381 |
| Return on assets (ROA) | 2.0524% | 444 |
| Pretax return on assets | 2.0629% | 671 |
| Return on Equity (ROE) | 26.8850% | 141 |
| Retained earnings to average equity (ytd only) | 17.6940% | 273 |
| Net charge-offs to loans | 0.1281% | 3,338 |
| Credit loss provision to net charge-offs | 119.5652% | 1,990 |
| Earnings coverage of net charge-offs (x) | 22.5435% | 1,123 |
| Efficiency ratio | 52.8851% | 6,452 |
| Assets per employee ($millions) | 4.3695% | 3,259 |
| Cash dividends to net income (ytd only)* | 34.1863% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 5,859 |
| Loan loss allowance to noncurrent loans | 111.5972% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 3,976 |
| Noncurrent loans to loans | 0.9964% | 4,682 |
| Net loans and leases to total assets | 74.3332% | 1,012 |
| Net loans and leases to deposits | 82.3423% | 1,885 |
| Net loans and leases to core deposits | 83.4555% | 2,610 |
| Total domestic deposits to total assets | 90.2734% | 930 |
| Equity capital to assets | 7.7303% | 6,673 |
| Core capital (leverage) ratio | 7.7864% | 6,424 |
| Tier 1 risk-based capital ratio | 11.0916% | 6,498 |
| Total risk-based capital ratio | 12.2947% | 6,498 |
| Memoranda: | ||
| Average total assets | $190,409,500 | 3,228 |
| Average earning assets | $174,199,000 | 3,236 |
| Average equity | $14,536,000 | 4,087 |
| Average total loans | $143,608,500 | 2,728 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5657% | 1,027 |
| Cost of funding earning assets | 1.3564% | 1,212 |
| Net interest margin | 4.2092% | 2,028 |
| Noninterest income to average assets | 0.3287% | 5,192 |
| Noninterest expense to average assets | 2.4585% | 5,609 |
| Loan and lease loss provision to assets | 0.6673% | 1,535 |
| Net operating income to assets | 1.0310% | 2,082 |
| Return on assets (ROA) | 1.0510% | 2,140 |
| Pretax return on assets | 1.0538% | 3,022 |
| Return on Equity (ROE) | 13.7543% | 995 |
| Retained earnings to average equity (ytd only) | 7.0736% | 1,466 |
| Net charge-offs to loans | 0.5927% | 2,671 |
| Credit loss provision to net charge-offs | 144.7527% | 1,991 |
| Earnings coverage of net charge-offs (x) | 3.6900% | 3,422 |
| Efficiency ratio | 59.1043% | 5,887 |
| Assets per employee ($millions) | 4.2855% | 3,289 |
| Cash dividends to net income (ytd only)* | 48.5714% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 5,740 |
| Loan loss allowance to noncurrent loans | 93.2322% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4621% | 3,784 |
| Noncurrent loans to loans | 1.2011% | 4,371 |
| Net loans and leases to total assets | 74.8302% | 1,118 |
| Net loans and leases to deposits | 83.1420% | 2,049 |
| Net loans and leases to core deposits | 84.2898% | 2,854 |
| Total domestic deposits to total assets | 90.0028% | 992 |
| Equity capital to assets | 7.5359% | 6,795 |
| Core capital (leverage) ratio | 7.5136% | 6,642 |
| Tier 1 risk-based capital ratio | 10.5898% | 6,646 |
| Total risk-based capital ratio | 11.7839% | 6,654 |
| Memoranda: | ||
| Average total assets | $179,823,200 | 3,338 |
| Average earning assets | $163,664,000 | 3,337 |
| Average equity | $13,741,200 | 4,177 |
| Average total loans | $139,864,800 | 2,789 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6707% | 899 |
| Cost of funding earning assets | 1.3879% | 1,283 |
| Net interest margin | 4.2828% | 1,783 |
| Noninterest income to average assets | 0.2665% | 5,711 |
| Noninterest expense to average assets | 2.4476% | 5,636 |
| Loan and lease loss provision to assets | 0.4654% | 2,124 |
| Net operating income to assets | 1.2384% | 1,543 |
| Return on assets (ROA) | 1.2384% | 1,646 |
| Pretax return on assets | 1.2422% | 2,480 |
| Return on Equity (ROE) | 16.1476% | 662 |
| Retained earnings to average equity (ytd only) | 7.1637% | 1,881 |
| Net charge-offs to loans | 0.2223% | 4,043 |
| Credit loss provision to net charge-offs | 267.2414% | 1,069 |
| Earnings coverage of net charge-offs (x) | 9.8059% | 2,001 |
| Efficiency ratio | 58.9053% | 5,880 |
| Assets per employee ($millions) | 4.2980% | 3,280 |
| Cash dividends to net income (ytd only)* | 55.6363% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1384% | 5,732 |
| Loan loss allowance to noncurrent loans | 113.4129% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.3633% | 4,098 |
| Noncurrent loans to loans | 1.0038% | 4,883 |
| Net loans and leases to total assets | 77.6942% | 742 |
| Net loans and leases to deposits | 87.5213% | 1,492 |
| Net loans and leases to core deposits | 88.9834% | 2,361 |
| Total domestic deposits to total assets | 88.7718% | 1,566 |
| Equity capital to assets | 7.7654% | 6,816 |
| Core capital (leverage) ratio | 7.7636% | 6,592 |
| Tier 1 risk-based capital ratio | 10.5881% | 6,741 |
| Total risk-based capital ratio | 11.8156% | 6,735 |
| Memoranda: | ||
| Average total assets | $177,638,250 | 3,388 |
| Average earning assets | $161,292,500 | 3,401 |
| Average equity | $13,624,000 | 4,209 |
| Average total loans | $139,156,000 | 2,827 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 997 |
| Cost of funding earning assets | 1.4088% | 1,380 |
| Net interest margin | 4.2290% | 1,929 |
| Noninterest income to average assets | 0.2321% | 5,986 |
| Noninterest expense to average assets | 2.4417% | 5,724 |
| Loan and lease loss provision to assets | 0.3396% | 2,748 |
| Net operating income to assets | 1.2746% | 1,383 |
| Return on assets (ROA) | 1.2746% | 1,448 |
| Pretax return on assets | 1.2803% | 2,205 |
| Return on Equity (ROE) | 16.6905% | 583 |
| Retained earnings to average equity (ytd only) | 6.0477% | 2,397 |
| Net charge-offs to loans | 0.1649% | 4,186 |
| Credit loss provision to net charge-offs | 263.1579% | 1,157 |
| Earnings coverage of net charge-offs (x) | 12.5526% | 1,620 |
| Efficiency ratio | 60.1171% | 5,851 |
| Assets per employee ($millions) | 4.1851% | 3,377 |
| Cash dividends to net income (ytd only)* | 63.7655% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 6,228 |
| Loan loss allowance to noncurrent loans | 84.0071% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4870% | 3,974 |
| Noncurrent loans to loans | 1.2229% | 4,618 |
| Net loans and leases to total assets | 75.6428% | 1,132 |
| Net loans and leases to deposits | 86.3650% | 1,737 |
| Net loans and leases to core deposits | 87.5425% | 2,697 |
| Total domestic deposits to total assets | 87.5849% | 2,421 |
| Equity capital to assets | 7.6051% | 6,900 |
| Core capital (leverage) ratio | 7.6574% | 6,617 |
| Tier 1 risk-based capital ratio | 10.6320% | 6,743 |
| Total risk-based capital ratio | 11.7364% | 6,791 |
| Memoranda: | ||
| Average total assets | $176,678,330 | 3,422 |
| Average earning assets | $159,991,670 | 3,444 |
| Average equity | $13,492,670 | 4,227 |
| Average total loans | $138,252,330 | 2,883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6623% | 952 |
| Cost of funding earning assets | 1.4497% | 1,383 |
| Net interest margin | 4.2126% | 1,864 |
| Noninterest income to average assets | 0.2605% | 5,804 |
| Noninterest expense to average assets | 2.3743% | 5,967 |
| Loan and lease loss provision to assets | 0.1600% | 4,030 |
| Net operating income to assets | 1.5197% | 842 |
| Return on assets (ROA) | 1.5197% | 883 |
| Pretax return on assets | 1.5311% | 1,356 |
| Return on Equity (ROE) | 19.8567% | 334 |
| Retained earnings to average equity (ytd only) | 12.4813% | 667 |
| Net charge-offs to loans | -0.1731% | 7,230 |
| Credit loss provision to net charge-offs | -116.6667% | 5,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4036% | 6,219 |
| Assets per employee ($millions) | 4.2889% | 3,266 |
| Cash dividends to net income (ytd only)* | 37.1429% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 6,445 |
| Loan loss allowance to noncurrent loans | 57.1128% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.8127% | 2,450 |
| Noncurrent loans to loans | 1.7288% | 3,911 |
| Net loans and leases to total assets | 77.3884% | 816 |
| Net loans and leases to deposits | 88.3357% | 1,425 |
| Net loans and leases to core deposits | 89.4053% | 2,424 |
| Total domestic deposits to total assets | 87.6071% | 2,608 |
| Equity capital to assets | 7.7336% | 6,724 |
| Core capital (leverage) ratio | 7.7470% | 6,512 |
| Tier 1 risk-based capital ratio | 10.6063% | 6,746 |
| Total risk-based capital ratio | 11.6640% | 6,842 |
| Memoranda: | ||
| Average total assets | $175,038,000 | 3,466 |
| Average earning assets | $158,098,000 | 3,498 |
| Average equity | $13,396,000 | 4,243 |
| Average total loans | $138,609,000 | 2,916 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0717% | 741 |
| Cost of funding earning assets | 1.7704% | 1,299 |
| Net interest margin | 4.3013% | 1,818 |
| Noninterest income to average assets | 0.4752% | 4,347 |
| Noninterest expense to average assets | 2.6958% | 5,008 |
| Loan and lease loss provision to assets | 0.6250% | 2,635 |
| Net operating income to assets | 1.0218% | 1,959 |
| Return on assets (ROA) | 1.0218% | 2,071 |
| Pretax return on assets | 1.0265% | 2,849 |
| Return on Equity (ROE) | 13.4589% | 992 |
| Retained earnings to average equity (ytd only) | 8.4497% | 855 |
| Net charge-offs to loans | 0.9072% | 2,379 |
| Credit loss provision to net charge-offs | 86.1789% | 5,278 |
| Earnings coverage of net charge-offs (x) | 2.2772% | 4,015 |
| Efficiency ratio | 62.0100% | 5,729 |
| Assets per employee ($millions) | 4.2496% | 3,293 |
| Cash dividends to net income (ytd only)* | 37.2187% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 6,778 |
| Loan loss allowance to noncurrent loans | 75.2299% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.6109% | 2,666 |
| Noncurrent loans to loans | 1.1668% | 4,768 |
| Net loans and leases to total assets | 79.5211% | 729 |
| Net loans and leases to deposits | 91.1940% | 1,373 |
| Net loans and leases to core deposits | 92.3181% | 2,464 |
| Total domestic deposits to total assets | 87.1999% | 2,713 |
| Equity capital to assets | 7.5720% | 6,840 |
| Core capital (leverage) ratio | 7.4388% | 6,753 |
| Tier 1 risk-based capital ratio | 10.1757% | 6,888 |
| Total risk-based capital ratio | 11.1223% | 7,027 |
| Memoranda: | ||
| Average total assets | $169,600,200 | 3,544 |
| Average earning assets | $152,674,800 | 3,594 |
| Average equity | $12,876,200 | 4,381 |
| Average total loans | $135,574,800 | 3,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0611% | 822 |
| Cost of funding earning assets | 1.8168% | 1,356 |
| Net interest margin | 4.2444% | 2,054 |
| Noninterest income to average assets | 0.4749% | 4,380 |
| Noninterest expense to average assets | 2.5520% | 5,506 |
| Loan and lease loss provision to assets | 0.2929% | 4,235 |
| Net operating income to assets | 1.4462% | 1,027 |
| Return on assets (ROA) | 1.4462% | 1,100 |
| Pretax return on assets | 1.4525% | 1,744 |
| Return on Equity (ROE) | 19.0352% | 387 |
| Retained earnings to average equity (ytd only) | 12.3151% | 426 |
| Net charge-offs to loans | 0.3172% | 4,072 |
| Credit loss provision to net charge-offs | 115.6250% | 3,608 |
| Earnings coverage of net charge-offs (x) | 6.8906% | 2,430 |
| Efficiency ratio | 59.3848% | 6,047 |
| Assets per employee ($millions) | 3.9947% | 3,846 |
| Cash dividends to net income (ytd only)* | 35.3038% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 6,087 |
| Loan loss allowance to noncurrent loans | 71.2808% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 2.9492% | 2,458 |
| Noncurrent loans to loans | 1.4977% | 4,393 |
| Net loans and leases to total assets | 79.9250% | 763 |
| Net loans and leases to deposits | 92.9595% | 1,335 |
| Net loans and leases to core deposits | 94.5736% | 2,443 |
| Total domestic deposits to total assets | 85.9783% | 3,088 |
| Equity capital to assets | 7.9690% | 6,822 |
| Core capital (leverage) ratio | 7.8287% | 6,546 |
| Tier 1 risk-based capital ratio | 10.3622% | 6,853 |
| Total risk-based capital ratio | 11.4904% | 6,922 |
| Memoranda: | ||
| Average total assets | $168,442,000 | 3,611 |
| Average earning assets | $151,695,000 | 3,660 |
| Average equity | $12,797,000 | 4,477 |
| Average total loans | $134,523,750 | 3,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9986% | 953 |
| Cost of funding earning assets | 1.8571% | 1,397 |
| Net interest margin | 4.1414% | 2,373 |
| Noninterest income to average assets | 0.4719% | 4,342 |
| Noninterest expense to average assets | 2.4925% | 5,740 |
| Loan and lease loss provision to assets | 0.2075% | 4,799 |
| Net operating income to assets | 1.4988% | 915 |
| Return on assets (ROA) | 1.4988% | 976 |
| Pretax return on assets | 1.5083% | 1,537 |
| Return on Equity (ROE) | 20.0539% | 317 |
| Retained earnings to average equity (ytd only) | 11.3597% | 585 |
| Net charge-offs to loans | 0.0745% | 5,400 |
| Credit loss provision to net charge-offs | 350.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 28.9400% | 941 |
| Efficiency ratio | 59.2280% | 6,182 |
| Assets per employee ($millions) | 4.0265% | 3,724 |
| Cash dividends to net income (ytd only)* | 43.3544% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 5,962 |
| Loan loss allowance to noncurrent loans | 43.3495% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.8578% | 2,525 |
| Noncurrent loans to loans | 2.5266% | 3,129 |
| Net loans and leases to total assets | 81.2713% | 632 |
| Net loans and leases to deposits | 96.0656% | 1,043 |
| Net loans and leases to core deposits | 97.7435% | 2,258 |
| Total domestic deposits to total assets | 84.5998% | 3,820 |
| Equity capital to assets | 7.6220% | 7,041 |
| Core capital (leverage) ratio | 7.7354% | 6,574 |
| Tier 1 risk-based capital ratio | 9.9791% | 7,038 |
| Total risk-based capital ratio | 11.1636% | 7,048 |
| Memoranda: | ||
| Average total assets | $168,664,000 | 3,622 |
| Average earning assets | $152,169,330 | 3,665 |
| Average equity | $12,606,000 | 4,525 |
| Average total loans | $134,184,330 | 3,118 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8871% | 1,228 |
| Cost of funding earning assets | 1.9378% | 1,294 |
| Net interest margin | 3.9493% | 3,104 |
| Noninterest income to average assets | 0.5034% | 4,027 |
| Noninterest expense to average assets | 2.5006% | 5,729 |
| Loan and lease loss provision to assets | 0.0594% | 6,047 |
| Net operating income to assets | 1.4818% | 918 |
| Return on assets (ROA) | 1.4818% | 989 |
| Pretax return on assets | 1.5008% | 1,513 |
| Return on Equity (ROE) | 20.0257% | 381 |
| Retained earnings to average equity (ytd only) | 16.8164% | 295 |
| Net charge-offs to loans | 0.0212% | 5,284 |
| Credit loss provision to net charge-offs | 357.1429% | 1,135 |
| Earnings coverage of net charge-offs (x) | 93.8571% | 345 |
| Efficiency ratio | 61.5789% | 5,902 |
| Assets per employee ($millions) | 4.0542% | 3,746 |
| Cash dividends to net income (ytd only)* | 16.0256% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 6,131 |
| Loan loss allowance to noncurrent loans | 60.6087% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.3282% | 3,120 |
| Noncurrent loans to loans | 1.7718% | 4,092 |
| Net loans and leases to total assets | 78.3653% | 1,082 |
| Net loans and leases to deposits | 90.5459% | 1,823 |
| Net loans and leases to core deposits | 92.4303% | 3,056 |
| Total domestic deposits to total assets | 86.5477% | 2,873 |
| Equity capital to assets | 7.6457% | 6,969 |
| Core capital (leverage) ratio | 7.5641% | 6,777 |
| Tier 1 risk-based capital ratio | 10.1305% | 6,946 |
| Total risk-based capital ratio | 11.2650% | 7,013 |
| Memoranda: | ||
| Average total assets | $168,438,500 | 3,685 |
| Average earning assets | $151,721,500 | 3,729 |
| Average equity | $12,464,000 | 4,600 |
| Average total loans | $131,794,500 | 3,226 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1568% | 1,353 |
| Cost of funding earning assets | 2.5511% | 893 |
| Net interest margin | 3.6057% | 4,532 |
| Noninterest income to average assets | 0.4469% | 4,834 |
| Noninterest expense to average assets | 2.4791% | 6,210 |
| Loan and lease loss provision to assets | 0.7939% | 2,750 |
| Net operating income to assets | 0.4387% | 3,975 |
| Return on assets (ROA) | 0.4387% | 4,093 |
| Pretax return on assets | 0.4400% | 4,372 |
| Return on Equity (ROE) | 6.0800% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.6007% | 3,321 |
| Net charge-offs to loans | 0.6541% | 3,228 |
| Credit loss provision to net charge-offs | 160.9415% | 2,762 |
| Earnings coverage of net charge-offs (x) | 2.5013% | 3,872 |
| Efficiency ratio | 66.7681% | 5,234 |
| Assets per employee ($millions) | 4.0632% | 3,687 |
| Cash dividends to net income (ytd only)* | 57.2246% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 6,090 |
| Loan loss allowance to noncurrent loans | 62.6738% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 2.3217% | 2,978 |
| Noncurrent loans to loans | 1.6898% | 4,112 |
| Net loans and leases to total assets | 76.4803% | 1,699 |
| Net loans and leases to deposits | 89.3431% | 2,327 |
| Net loans and leases to core deposits | 107.1736% | 3,192 |
| Total domestic deposits to total assets | 85.6029% | 3,224 |
| Equity capital to assets | 7.1601% | 7,290 |
| Core capital (leverage) ratio | 7.2058% | 7,064 |
| Tier 1 risk-based capital ratio | 9.5954% | 7,163 |
| Total risk-based capital ratio | 10.7030% | 7,235 |
| Memoranda: | ||
| Average total assets | $159,334,400 | 3,782 |
| Average earning assets | $144,329,000 | 3,809 |
| Average equity | $11,496,800 | 4,880 |
| Average total loans | $120,156,400 | 3,480 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1655% | 1,458 |
| Cost of funding earning assets | 2.6433% | 925 |
| Net interest margin | 3.5222% | 4,770 |
| Noninterest income to average assets | 0.4737% | 4,721 |
| Noninterest expense to average assets | 2.5004% | 6,066 |
| Loan and lease loss provision to assets | 0.2598% | 4,877 |
| Net operating income to assets | 0.9141% | 2,370 |
| Return on assets (ROA) | 0.9141% | 2,436 |
| Pretax return on assets | 0.9158% | 3,177 |
| Return on Equity (ROE) | 12.6423% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.9176% | 1,161 |
| Net charge-offs to loans | 0.1422% | 5,278 |
| Credit loss provision to net charge-offs | 244.0000% | 1,781 |
| Earnings coverage of net charge-offs (x) | 11.0401% | 1,887 |
| Efficiency ratio | 68.0185% | 4,972 |
| Assets per employee ($millions) | 3.8889% | 3,971 |
| Cash dividends to net income (ytd only)* | 37.3716% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 6,858 |
| Loan loss allowance to noncurrent loans | 71.9057% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.6971% | 3,831 |
| Noncurrent loans to loans | 1.2184% | 4,908 |
| Net loans and leases to total assets | 76.0606% | 1,986 |
| Net loans and leases to deposits | 92.8608% | 2,083 |
| Net loans and leases to core deposits | 112.3184% | 2,988 |
| Total domestic deposits to total assets | 81.9081% | 4,708 |
| Equity capital to assets | 7.1155% | 7,542 |
| Core capital (leverage) ratio | 7.1243% | 7,340 |
| Tier 1 risk-based capital ratio | 9.4940% | 7,379 |
| Total risk-based capital ratio | 10.4021% | 7,566 |
| Memoranda: | ||
| Average total assets | $156,504,750 | 3,865 |
| Average earning assets | $142,293,000 | 3,884 |
| Average equity | $11,316,250 | 4,974 |
| Average total loans | $117,217,250 | 3,567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1582% | 1,598 |
| Cost of funding earning assets | 2.7393% | 934 |
| Net interest margin | 3.4188% | 5,100 |
| Noninterest income to average assets | 0.4889% | 4,543 |
| Noninterest expense to average assets | 2.4885% | 6,156 |
| Loan and lease loss provision to assets | 0.1426% | 5,641 |
| Net operating income to assets | 0.9674% | 2,215 |
| Return on assets (ROA) | 0.9674% | 2,322 |
| Pretax return on assets | 0.9700% | 3,113 |
| Return on Equity (ROE) | 13.3044% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.6318% | 1,028 |
| Net charge-offs to loans | 0.2690% | 3,844 |
| Credit loss provision to net charge-offs | 71.4286% | 5,392 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,806 |
| Efficiency ratio | 69.1033% | 4,958 |
| Assets per employee ($millions) | 3.7346% | 4,248 |
| Cash dividends to net income (ytd only)* | 35.1206% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 7,374 |
| Loan loss allowance to noncurrent loans | 30.3472% | 6,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8361% | 3,421 |
| Noncurrent loans to loans | 2.3731% | 3,046 |
| Net loans and leases to total assets | 76.8136% | 1,983 |
| Net loans and leases to deposits | 94.8552% | 1,972 |
| Net loans and leases to core deposits | 113.6693% | 2,949 |
| Total domestic deposits to total assets | 80.9799% | 5,091 |
| Equity capital to assets | 7.2812% | 7,427 |
| Core capital (leverage) ratio | 7.1474% | 7,410 |
| Tier 1 risk-based capital ratio | 9.4711% | 7,414 |
| Total risk-based capital ratio | 10.2046% | 7,746 |
| Memoranda: | ||
| Average total assets | $154,228,670 | 3,935 |
| Average earning assets | $140,398,330 | 3,942 |
| Average equity | $11,214,330 | 5,028 |
| Average total loans | $114,513,000 | 3,660 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1003% | 1,940 |
| Cost of funding earning assets | 2.7872% | 1,010 |
| Net interest margin | 3.3131% | 5,451 |
| Noninterest income to average assets | 0.4185% | 5,071 |
| Noninterest expense to average assets | 2.4327% | 6,087 |
| Loan and lease loss provision to assets | 0.0785% | 5,969 |
| Net operating income to assets | 0.9208% | 2,614 |
| Return on assets (ROA) | 0.9208% | 2,753 |
| Pretax return on assets | 0.9234% | 3,628 |
| Return on Equity (ROE) | 12.6721% | 1,470 |
| Retained earnings to average equity (ytd only) | 12.6721% | 688 |
| Net charge-offs to loans | -0.3745% | 8,089 |
| Credit loss provision to net charge-offs | -28.8462% | 6,152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8302% | 4,404 |
| Assets per employee ($millions) | 3.6666% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 6,645 |
| Loan loss allowance to noncurrent loans | 48.4779% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4078% | 3,834 |
| Noncurrent loans to loans | 1.9012% | 3,411 |
| Net loans and leases to total assets | 73.3652% | 2,921 |
| Net loans and leases to deposits | 90.2339% | 2,890 |
| Net loans and leases to core deposits | 108.0197% | 3,677 |
| Total domestic deposits to total assets | 81.3056% | 4,834 |
| Equity capital to assets | 7.3313% | 7,469 |
| Core capital (leverage) ratio | 7.2476% | 7,429 |
| Tier 1 risk-based capital ratio | 9.7104% | 7,246 |
| Total risk-based capital ratio | 10.6255% | 7,486 |
| Memoranda: | ||
| Average total assets | $152,915,500 | 3,962 |
| Average earning assets | $139,206,000 | 3,971 |
| Average equity | $11,111,000 | 5,076 |
| Average total loans | $111,089,500 | 3,763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7553% | 1,846 |
| Cost of funding earning assets | 3.3109% | 894 |
| Net interest margin | 3.4445% | 5,484 |
| Noninterest income to average assets | 0.4775% | 4,821 |
| Noninterest expense to average assets | 2.6736% | 5,366 |
| Loan and lease loss provision to assets | 0.3673% | 3,482 |
| Net operating income to assets | 0.5539% | 4,513 |
| Return on assets (ROA) | 0.5539% | 4,365 |
| Pretax return on assets | 0.5568% | 4,832 |
| Return on Equity (ROE) | 7.1391% | 3,456 |
| Retained earnings to average equity (ytd only) | 3.5092% | 2,956 |
| Net charge-offs to loans | 0.4408% | 2,626 |
| Credit loss provision to net charge-offs | 118.0556% | 4,559 |
| Earnings coverage of net charge-offs (x) | 2.9699% | 4,603 |
| Efficiency ratio | 74.3143% | 3,521 |
| Assets per employee ($millions) | 3.6151% | 4,378 |
| Cash dividends to net income (ytd only)* | 50.8453% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 6,907 |
| Loan loss allowance to noncurrent loans | 81.4552% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7423% | 4,997 |
| Noncurrent loans to loans | 1.0421% | 4,499 |
| Net loans and leases to total assets | 70.6230% | 3,878 |
| Net loans and leases to deposits | 86.8948% | 3,975 |
| Net loans and leases to core deposits | 103.6520% | 4,427 |
| Total domestic deposits to total assets | 81.2742% | 4,525 |
| Equity capital to assets | 7.2000% | 7,627 |
| Core capital (leverage) ratio | 7.3110% | 7,402 |
| Tier 1 risk-based capital ratio | 9.6252% | 7,180 |
| Total risk-based capital ratio | 10.4436% | 7,578 |
| Memoranda: | ||
| Average total assets | $138,839,600 | 4,106 |
| Average earning assets | $125,767,400 | 4,133 |
| Average equity | $10,771,600 | 5,191 |
| Average total loans | $97,997,400 | 4,006 |