Home > Countybank > Performance and Condition Ratios
Countybank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 3,819 |
| Cost of funding earning assets | 1.0190% | 3,974 |
| Net interest margin | 3.5356% | 2,221 |
| Noninterest income to average assets | 2.1800% | 237 |
| Noninterest expense to average assets | 4.3728% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0698% | 2,085 |
| Return on assets (ROA) | 1.0545% | 2,128 |
| Pretax return on assets | 1.1044% | 2,492 |
| Return on Equity (ROE) | 21.2100% | 355 |
| Retained earnings to average equity (ytd only) | 0.5580% | 3,578 |
| Net charge-offs to loans | -0.0068% | 3,817 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 79.4100% | 980 |
| Assets per employee ($millions) | 4.5278% | 3,901 |
| Cash dividends to net income (ytd only)* | 97.3684% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8586% | 3,710 |
| Loan loss allowance to noncurrent loans | 106.3521% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 1,582 |
| Noncurrent loans to loans | 0.8073% | 1,288 |
| Net loans and leases to total assets | 55.6900% | 3,223 |
| Net loans and leases to deposits | 63.4548% | 3,297 |
| Net loans and leases to core deposits | 63.5143% | 3,562 |
| Total domestic deposits to total assets | 87.7700% | 1,627 |
| Equity capital to assets | 5.1730% | 4,354 |
| Core capital (leverage) ratio | 8.5487% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4110% | 1,394 |
| Memoranda: | ||
| Average total assets | $720,723,500 | 1,336 |
| Average earning assets | $675,976,000 | 1,331 |
| Average equity | $35,840,500 | 2,196 |
| Average total loans | $409,886,500 | 1,526 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 3,752 |
| Cost of funding earning assets | 1.2383% | 3,769 |
| Net interest margin | 3.3592% | 2,374 |
| Noninterest income to average assets | 2.1900% | 234 |
| Noninterest expense to average assets | 4.3532% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9542% | 2,201 |
| Return on assets (ROA) | 0.9299% | 2,291 |
| Pretax return on assets | 0.9738% | 2,602 |
| Return on Equity (ROE) | 18.9500% | 483 |
| Retained earnings to average equity (ytd only) | 0.1936% | 3,855 |
| Net charge-offs to loans | -0.0129% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 81.1266% | 974 |
| Assets per employee ($millions) | 4.3980% | 3,963 |
| Cash dividends to net income (ytd only)* | 98.9782% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8553% | 3,753 |
| Loan loss allowance to noncurrent loans | 114.9738% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 1,628 |
| Noncurrent loans to loans | 0.7439% | 1,333 |
| Net loans and leases to total assets | 57.0900% | 3,181 |
| Net loans and leases to deposits | 66.0963% | 3,201 |
| Net loans and leases to core deposits | 66.1608% | 3,521 |
| Total domestic deposits to total assets | 86.3800% | 2,088 |
| Equity capital to assets | 4.7680% | 4,375 |
| Core capital (leverage) ratio | 8.5617% | 4,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3065% | 1,448 |
| Memoranda: | ||
| Average total assets | $705,108,800 | 1,338 |
| Average earning assets | $664,077,800 | 1,324 |
| Average equity | $34,606,600 | 2,188 |
| Average total loans | $411,048,800 | 1,499 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 3,781 |
| Cost of funding earning assets | 1.2681% | 3,714 |
| Net interest margin | 3.2819% | 2,488 |
| Noninterest income to average assets | 2.1900% | 228 |
| Noninterest expense to average assets | 4.4581% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.7913% | 2,719 |
| Return on assets (ROA) | 0.7585% | 2,824 |
| Pretax return on assets | 0.7940% | 3,054 |
| Return on Equity (ROE) | 15.3400% | 898 |
| Retained earnings to average equity (ytd only) | 0.2339% | 3,908 |
| Net charge-offs to loans | -0.0104% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.1265% | 809 |
| Assets per employee ($millions) | 4.3329% | 3,990 |
| Cash dividends to net income (ytd only)* | 98.4754% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8412% | 3,823 |
| Loan loss allowance to noncurrent loans | 295.0085% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 2,643 |
| Noncurrent loans to loans | 0.2851% | 2,424 |
| Net loans and leases to total assets | 57.4900% | 3,143 |
| Net loans and leases to deposits | 70.9739% | 2,906 |
| Net loans and leases to core deposits | 71.0475% | 3,341 |
| Total domestic deposits to total assets | 81.0100% | 3,306 |
| Equity capital to assets | 5.6538% | 4,391 |
| Core capital (leverage) ratio | 8.5863% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4234% | 1,428 |
| Memoranda: | ||
| Average total assets | $703,267,250 | 1,330 |
| Average earning assets | $663,430,000 | 1,318 |
| Average equity | $34,765,500 | 2,178 |
| Average total loans | $411,243,750 | 1,496 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 3,758 |
| Cost of funding earning assets | 1.2342% | 3,737 |
| Net interest margin | 3.2837% | 2,441 |
| Noninterest income to average assets | 2.0500% | 245 |
| Noninterest expense to average assets | 4.4491% | 283 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6635% | 3,032 |
| Return on assets (ROA) | 0.6151% | 3,185 |
| Pretax return on assets | 0.6443% | 3,350 |
| Return on Equity (ROE) | 13.0800% | 1,346 |
| Retained earnings to average equity (ytd only) | 0.3710% | 3,752 |
| Net charge-offs to loans | -0.0049% | 3,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 86.2749% | 737 |
| Assets per employee ($millions) | 4.1330% | 4,078 |
| Cash dividends to net income (ytd only)* | 97.1641% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 3,847 |
| Loan loss allowance to noncurrent loans | 254.6657% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 2,417 |
| Noncurrent loans to loans | 0.3295% | 2,206 |
| Net loans and leases to total assets | 59.3300% | 3,015 |
| Net loans and leases to deposits | 72.8854% | 2,768 |
| Net loans and leases to core deposits | 73.0421% | 3,212 |
| Total domestic deposits to total assets | 81.4100% | 3,196 |
| Equity capital to assets | 4.7396% | 4,399 |
| Core capital (leverage) ratio | 8.7072% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4441% | 1,406 |
| Memoranda: | ||
| Average total assets | $699,379,667 | 1,334 |
| Average earning assets | $659,371,333 | 1,318 |
| Average equity | $32,880,333 | 2,234 |
| Average total loans | $410,149,000 | 1,496 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 3,745 |
| Cost of funding earning assets | 1.2113% | 3,708 |
| Net interest margin | 3.2456% | 2,462 |
| Noninterest income to average assets | 1.8200% | 263 |
| Noninterest expense to average assets | 4.4320% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4325% | 3,530 |
| Return on assets (ROA) | 0.3364% | 3,767 |
| Pretax return on assets | 0.3523% | 3,843 |
| Return on Equity (ROE) | 7.1800% | 2,908 |
| Retained earnings to average equity (ytd only) | 0.0243% | 3,689 |
| Net charge-offs to loans | -0.0049% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.4978% | 569 |
| Assets per employee ($millions) | 4.0685% | 4,131 |
| Cash dividends to net income (ytd only)* | 99.6622% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 3,857 |
| Loan loss allowance to noncurrent loans | 250.0000% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 2,368 |
| Noncurrent loans to loans | 0.3363% | 2,120 |
| Net loans and leases to total assets | 58.3100% | 3,028 |
| Net loans and leases to deposits | 71.8591% | 2,753 |
| Net loans and leases to core deposits | 72.0085% | 3,219 |
| Total domestic deposits to total assets | 81.1400% | 3,347 |
| Equity capital to assets | 4.5797% | 4,428 |
| Core capital (leverage) ratio | 8.5741% | 4,033 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3004% | 1,453 |
| Memoranda: | ||
| Average total assets | $703,967,500 | 1,341 |
| Average earning assets | $664,416,500 | 1,317 |
| Average equity | $32,964,000 | 2,226 |
| Average total loans | $408,725,500 | 1,495 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 3,468 |
| Cost of funding earning assets | 0.7641% | 3,824 |
| Net interest margin | 3.5182% | 2,146 |
| Noninterest income to average assets | 1.7500% | 315 |
| Noninterest expense to average assets | 4.1462% | 333 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8683% | 2,640 |
| Return on assets (ROA) | 0.8686% | 2,613 |
| Pretax return on assets | 0.9099% | 2,937 |
| Return on Equity (ROE) | 21.0600% | 531 |
| Retained earnings to average equity (ytd only) | 10.5473% | 893 |
| Net charge-offs to loans | -0.0034% | 3,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.8059% | 786 |
| Assets per employee ($millions) | 4.0466% | 4,145 |
| Cash dividends to net income (ytd only)* | 49.9100% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8510% | 3,849 |
| Loan loss allowance to noncurrent loans | 892.7649% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,226 |
| Noncurrent loans to loans | 0.0953% | 3,067 |
| Net loans and leases to total assets | 56.8400% | 3,136 |
| Net loans and leases to deposits | 70.7532% | 2,835 |
| Net loans and leases to core deposits | 70.9000% | 3,250 |
| Total domestic deposits to total assets | 80.3400% | 3,408 |
| Equity capital to assets | 4.7843% | 4,439 |
| Core capital (leverage) ratio | 8.5264% | 4,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4622% | 1,403 |
| Memoranda: | ||
| Average total assets | $703,585,600 | 1,308 |
| Average earning assets | $661,678,400 | 1,292 |
| Average equity | $29,021,600 | 2,312 |
| Average total loans | $383,819,600 | 1,517 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 3,449 |
| Cost of funding earning assets | 0.6488% | 3,872 |
| Net interest margin | 3.5630% | 2,080 |
| Noninterest income to average assets | 1.7600% | 335 |
| Noninterest expense to average assets | 4.1714% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8944% | 2,700 |
| Return on assets (ROA) | 0.8948% | 2,687 |
| Pretax return on assets | 0.9382% | 3,015 |
| Return on Equity (ROE) | 22.6000% | 515 |
| Retained earnings to average equity (ytd only) | 17.8080% | 348 |
| Net charge-offs to loans | -0.0060% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.4511% | 765 |
| Assets per employee ($millions) | 4.0581% | 4,142 |
| Cash dividends to net income (ytd only)* | 21.2134% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 3,683 |
| Loan loss allowance to noncurrent loans | 1,323.2143% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,407 |
| Noncurrent loans to loans | 0.0691% | 3,266 |
| Net loans and leases to total assets | 56.5100% | 3,155 |
| Net loans and leases to deposits | 68.9146% | 2,917 |
| Net loans and leases to core deposits | 69.0543% | 3,264 |
| Total domestic deposits to total assets | 81.9900% | 3,209 |
| Equity capital to assets | 3.2509% | 4,471 |
| Core capital (leverage) ratio | 8.5413% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3700% | 1,454 |
| Memoranda: | ||
| Average total assets | $702,444,750 | 1,305 |
| Average earning assets | $660,110,250 | 1,287 |
| Average equity | $27,807,000 | 2,361 |
| Average total loans | $378,282,000 | 1,525 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0995% | 3,492 |
| Cost of funding earning assets | 0.5065% | 3,968 |
| Net interest margin | 3.5930% | 2,055 |
| Noninterest income to average assets | 1.7200% | 286 |
| Noninterest expense to average assets | 4.1459% | 315 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9016% | 2,749 |
| Return on assets (ROA) | 0.9022% | 2,736 |
| Pretax return on assets | 0.9453% | 3,056 |
| Return on Equity (ROE) | 21.4900% | 581 |
| Retained earnings to average equity (ytd only) | 14.6833% | 598 |
| Net charge-offs to loans | -0.0054% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.2451% | 762 |
| Assets per employee ($millions) | 4.2551% | 4,082 |
| Cash dividends to net income (ytd only)* | 31.6756% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 3,668 |
| Loan loss allowance to noncurrent loans | 1,200.3247% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,339 |
| Noncurrent loans to loans | 0.0780% | 3,126 |
| Net loans and leases to total assets | 55.4000% | 3,159 |
| Net loans and leases to deposits | 67.1032% | 2,984 |
| Net loans and leases to core deposits | 67.2389% | 3,273 |
| Total domestic deposits to total assets | 82.5500% | 3,130 |
| Equity capital to assets | 4.0109% | 4,502 |
| Core capital (leverage) ratio | 8.6057% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3163% | 1,484 |
| Memoranda: | ||
| Average total assets | $699,869,000 | 1,300 |
| Average earning assets | $657,060,000 | 1,286 |
| Average equity | $29,380,333 | 2,288 |
| Average total loans | $369,376,667 | 1,537 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0635% | 3,340 |
| Cost of funding earning assets | 0.3360% | 4,118 |
| Net interest margin | 3.7275% | 1,833 |
| Noninterest income to average assets | 1.6400% | 298 |
| Noninterest expense to average assets | 4.1072% | 335 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9773% | 2,602 |
| Return on assets (ROA) | 0.9773% | 2,571 |
| Pretax return on assets | 1.0261% | 2,916 |
| Return on Equity (ROE) | 22.7700% | 526 |
| Retained earnings to average equity (ytd only) | 22.7654% | 256 |
| Net charge-offs to loans | -0.0067% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.8210% | 847 |
| Assets per employee ($millions) | 4.2350% | 4,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0203% | 3,433 |
| Loan loss allowance to noncurrent loans | 956.7358% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,223 |
| Noncurrent loans to loans | 0.1066% | 2,996 |
| Net loans and leases to total assets | 52.2200% | 3,334 |
| Net loans and leases to deposits | 58.5227% | 3,423 |
| Net loans and leases to core deposits | 58.6161% | 3,601 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 4.7316% | 4,459 |
| Core capital (leverage) ratio | 8.5442% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8920% | 1,395 |
| Memoranda: | ||
| Average total assets | $696,632,000 | 1,318 |
| Average earning assets | $653,628,000 | 1,304 |
| Average equity | $29,905,000 | 2,299 |
| Average total loans | $356,574,500 | 1,588 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3319% | 3,509 |
| Cost of funding earning assets | 0.1694% | 4,004 |
| Net interest margin | 3.1625% | 2,976 |
| Noninterest income to average assets | 2.1000% | 232 |
| Noninterest expense to average assets | 4.1388% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9131% | 2,905 |
| Return on assets (ROA) | 0.9131% | 2,847 |
| Pretax return on assets | 0.9429% | 3,236 |
| Return on Equity (ROE) | 18.5900% | 622 |
| Retained earnings to average equity (ytd only) | 17.1135% | 168 |
| Net charge-offs to loans | -0.0855% | 4,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.2404% | 637 |
| Assets per employee ($millions) | 4.2347% | 4,180 |
| Cash dividends to net income (ytd only)* | 7.9239% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,119 |
| Loan loss allowance to noncurrent loans | 819.5556% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 3,170 |
| Noncurrent loans to loans | 0.1281% | 2,868 |
| Net loans and leases to total assets | 49.1400% | 3,574 |
| Net loans and leases to deposits | 54.4701% | 3,654 |
| Net loans and leases to core deposits | 54.5960% | 3,785 |
| Total domestic deposits to total assets | 90.2200% | 1,268 |
| Equity capital to assets | 3.8671% | 4,535 |
| Core capital (leverage) ratio | 8.0163% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6377% | 1,445 |
| Memoranda: | ||
| Average total assets | $691,068,200 | 1,321 |
| Average earning assets | $650,584,200 | 1,303 |
| Average equity | $33,949,800 | 2,156 |
| Average total loans | $327,630,800 | 1,612 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1105% | 3,651 |
| Cost of funding earning assets | 0.1270% | 4,056 |
| Net interest margin | 2.9835% | 3,260 |
| Noninterest income to average assets | 2.2400% | 234 |
| Noninterest expense to average assets | 4.2397% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7916% | 3,296 |
| Return on assets (ROA) | 0.7916% | 3,244 |
| Pretax return on assets | 0.8071% | 3,559 |
| Return on Equity (ROE) | 15.2800% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.4041% | 557 |
| Net charge-offs to loans | -0.0816% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.7999% | 557 |
| Assets per employee ($millions) | 4.1967% | 4,222 |
| Cash dividends to net income (ytd only)* | 12.2579% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 2,995 |
| Loan loss allowance to noncurrent loans | 751.2500% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.0713% | 3,181 |
| Noncurrent loans to loans | 0.1470% | 2,878 |
| Net loans and leases to total assets | 45.7900% | 3,776 |
| Net loans and leases to deposits | 51.0475% | 3,784 |
| Net loans and leases to core deposits | 51.1666% | 3,896 |
| Total domestic deposits to total assets | 89.7000% | 1,786 |
| Equity capital to assets | 2.7998% | 4,608 |
| Core capital (leverage) ratio | 7.8143% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6564% | 1,516 |
| Memoranda: | ||
| Average total assets | $687,036,000 | 1,331 |
| Average earning assets | $646,516,500 | 1,317 |
| Average equity | $35,600,250 | 2,119 |
| Average total loans | $321,737,000 | 1,630 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9203% | 3,738 |
| Cost of funding earning assets | 0.0899% | 4,294 |
| Net interest margin | 2.8304% | 3,350 |
| Noninterest income to average assets | 2.4131% | 191 |
| Noninterest expense to average assets | 4.3704% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6854% | 3,358 |
| Return on assets (ROA) | 0.6854% | 3,310 |
| Pretax return on assets | 0.7051% | 3,560 |
| Return on Equity (ROE) | 11.4168% | 1,859 |
| Retained earnings to average equity (ytd only) | 8.9711% | 1,299 |
| Net charge-offs to loans | -0.0512% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8994% | 579 |
| Assets per employee ($millions) | 4.1733% | 4,280 |
| Cash dividends to net income (ytd only)* | 21.4225% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,229 |
| Loan loss allowance to noncurrent loans | 635.7013% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 2,975 |
| Noncurrent loans to loans | 0.1700% | 2,841 |
| Net loans and leases to total assets | 45.8275% | 3,721 |
| Net loans and leases to deposits | 51.3156% | 3,737 |
| Net loans and leases to core deposits | 51.4374% | 3,848 |
| Total domestic deposits to total assets | 89.3051% | 2,043 |
| Equity capital to assets | 4.3034% | 4,587 |
| Core capital (leverage) ratio | 7.9013% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4698% | 1,581 |
| Memoranda: | ||
| Average total assets | $681,031,333 | 1,344 |
| Average earning assets | $640,611,667 | 1,339 |
| Average equity | $40,887,000 | 1,964 |
| Average total loans | $320,166,667 | 1,633 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8203% | 3,710 |
| Cost of funding earning assets | 0.0707% | 4,442 |
| Net interest margin | 2.7496% | 3,282 |
| Noninterest income to average assets | 2.5560% | 180 |
| Noninterest expense to average assets | 4.5843% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5378% | 3,601 |
| Return on assets (ROA) | 0.5378% | 3,567 |
| Pretax return on assets | 0.5604% | 3,728 |
| Return on Equity (ROE) | 7.8128% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.4963% | 3,119 |
| Net charge-offs to loans | -0.0954% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8992% | 599 |
| Assets per employee ($millions) | 3.9431% | 4,424 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,319 |
| Loan loss allowance to noncurrent loans | 407.0093% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 2,715 |
| Noncurrent loans to loans | 0.2706% | 2,502 |
| Net loans and leases to total assets | 46.4045% | 3,544 |
| Net loans and leases to deposits | 52.9240% | 3,498 |
| Net loans and leases to core deposits | 53.0782% | 3,656 |
| Total domestic deposits to total assets | 87.6813% | 2,674 |
| Equity capital to assets | 5.8283% | 4,612 |
| Core capital (leverage) ratio | 8.0431% | 4,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5169% | 1,642 |
| Memoranda: | ||
| Average total assets | $673,076,000 | 1,360 |
| Average earning assets | $633,686,000 | 1,352 |
| Average equity | $46,334,500 | 1,845 |
| Average total loans | $318,809,500 | 1,626 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9461% | 3,973 |
| Cost of funding earning assets | 0.0723% | 4,573 |
| Net interest margin | 2.8737% | 3,503 |
| Noninterest income to average assets | 3.8244% | 145 |
| Noninterest expense to average assets | 5.1903% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2837% | 1,652 |
| Return on assets (ROA) | 1.2842% | 1,703 |
| Pretax return on assets | 1.3381% | 2,243 |
| Return on Equity (ROE) | 17.1241% | 568 |
| Retained earnings to average equity (ytd only) | 14.6327% | 257 |
| Net charge-offs to loans | -0.0825% | 4,521 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3379% | 850 |
| Assets per employee ($millions) | 4.0475% | 4,410 |
| Cash dividends to net income (ytd only)* | 14.5490% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0609% | 3,521 |
| Loan loss allowance to noncurrent loans | 376.1589% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.1624% | 2,804 |
| Noncurrent loans to loans | 0.2820% | 2,590 |
| Net loans and leases to total assets | 47.3053% | 3,569 |
| Net loans and leases to deposits | 54.8113% | 3,532 |
| Net loans and leases to core deposits | 54.8886% | 3,696 |
| Total domestic deposits to total assets | 86.3057% | 2,799 |
| Equity capital to assets | 7.9434% | 4,393 |
| Core capital (leverage) ratio | 8.0991% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0184% | 1,506 |
| Memoranda: | ||
| Average total assets | $642,276,400 | 1,377 |
| Average earning assets | $604,232,400 | 1,368 |
| Average equity | $48,166,000 | 1,814 |
| Average total loans | $318,962,200 | 1,624 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9172% | 4,141 |
| Cost of funding earning assets | 0.0752% | 4,660 |
| Net interest margin | 2.8421% | 3,683 |
| Noninterest income to average assets | 3.9849% | 140 |
| Noninterest expense to average assets | 5.2559% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3426% | 1,710 |
| Return on assets (ROA) | 1.3432% | 1,760 |
| Pretax return on assets | 1.3982% | 2,337 |
| Return on Equity (ROE) | 18.1966% | 604 |
| Retained earnings to average equity (ytd only) | 14.7826% | 427 |
| Net charge-offs to loans | -0.0921% | 4,579 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8239% | 818 |
| Assets per employee ($millions) | 3.8080% | 4,541 |
| Cash dividends to net income (ytd only)* | 18.7617% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,768 |
| Loan loss allowance to noncurrent loans | 353.8381% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 2,544 |
| Noncurrent loans to loans | 0.2889% | 2,758 |
| Net loans and leases to total assets | 50.0387% | 3,410 |
| Net loans and leases to deposits | 58.1176% | 3,397 |
| Net loans and leases to core deposits | 58.1764% | 3,614 |
| Total domestic deposits to total assets | 86.0991% | 2,708 |
| Equity capital to assets | 8.1148% | 4,460 |
| Core capital (leverage) ratio | 8.0292% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9434% | 1,632 |
| Memoranda: | ||
| Average total assets | $634,873,750 | 1,404 |
| Average earning assets | $596,121,250 | 1,400 |
| Average equity | $46,864,750 | 1,882 |
| Average total loans | $318,391,250 | 1,659 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 4,229 |
| Cost of funding earning assets | 0.0793% | 4,703 |
| Net interest margin | 2.8187% | 3,751 |
| Noninterest income to average assets | 4.4627% | 126 |
| Noninterest expense to average assets | 5.4998% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5337% | 1,207 |
| Return on assets (ROA) | 1.5341% | 1,267 |
| Pretax return on assets | 1.6062% | 1,718 |
| Return on Equity (ROE) | 21.5187% | 349 |
| Retained earnings to average equity (ytd only) | 16.1702% | 327 |
| Net charge-offs to loans | -0.1277% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2392% | 968 |
| Assets per employee ($millions) | 4.0216% | 4,433 |
| Cash dividends to net income (ytd only)* | 24.8550% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,596 |
| Loan loss allowance to noncurrent loans | 316.6509% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 2,596 |
| Noncurrent loans to loans | 0.3335% | 2,716 |
| Net loans and leases to total assets | 46.4112% | 3,874 |
| Net loans and leases to deposits | 56.5482% | 3,677 |
| Net loans and leases to core deposits | 56.6061% | 3,853 |
| Total domestic deposits to total assets | 82.0737% | 3,911 |
| Equity capital to assets | 7.5576% | 4,718 |
| Core capital (leverage) ratio | 8.1616% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0450% | 1,614 |
| Memoranda: | ||
| Average total assets | $629,443,000 | 1,405 |
| Average earning assets | $590,208,000 | 1,403 |
| Average equity | $44,872,667 | 1,935 |
| Average total loans | $314,788,333 | 1,682 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9785% | 4,132 |
| Cost of funding earning assets | 0.0778% | 4,756 |
| Net interest margin | 2.9007% | 3,521 |
| Noninterest income to average assets | 5.0980% | 121 |
| Noninterest expense to average assets | 5.9187% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7997% | 788 |
| Return on assets (ROA) | 1.8003% | 842 |
| Pretax return on assets | 1.9085% | 1,101 |
| Return on Equity (ROE) | 26.1283% | 228 |
| Retained earnings to average equity (ytd only) | 14.6391% | 668 |
| Net charge-offs to loans | -0.0867% | 4,590 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4720% | 1,185 |
| Assets per employee ($millions) | 3.9351% | 4,517 |
| Cash dividends to net income (ytd only)* | 43.9722% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0218% | 3,763 |
| Loan loss allowance to noncurrent loans | 186.4269% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 2,218 |
| Noncurrent loans to loans | 0.5481% | 2,220 |
| Net loans and leases to total assets | 48.2424% | 3,789 |
| Net loans and leases to deposits | 57.9934% | 3,645 |
| Net loans and leases to core deposits | 58.0817% | 3,828 |
| Total domestic deposits to total assets | 83.1859% | 3,641 |
| Equity capital to assets | 6.4889% | 4,905 |
| Core capital (leverage) ratio | 7.0939% | 4,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8640% | 2,717 |
| Memoranda: | ||
| Average total assets | $606,350,500 | 1,436 |
| Average earning assets | $570,353,500 | 1,428 |
| Average equity | $41,778,500 | 2,027 |
| Average total loans | $313,725,500 | 1,688 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6053% | 3,800 |
| Cost of funding earning assets | 0.1368% | 4,768 |
| Net interest margin | 3.4685% | 2,565 |
| Noninterest income to average assets | 4.4787% | 123 |
| Noninterest expense to average assets | 6.0689% | 127 |
| Loan and lease loss provision to assets | 0.1227% | 2,833 |
| Net operating income to assets | 1.4371% | 939 |
| Return on assets (ROA) | 1.4474% | 1,004 |
| Pretax return on assets | 1.5194% | 1,271 |
| Return on Equity (ROE) | 18.4432% | 306 |
| Retained earnings to average equity (ytd only) | 9.9348% | 598 |
| Net charge-offs to loans | -0.0225% | 4,462 |
| Credit loss provision to net charge-offs | -880.2817% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6024% | 988 |
| Assets per employee ($millions) | 3.4594% | 4,670 |
| Cash dividends to net income (ytd only)* | 46.1330% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,845 |
| Loan loss allowance to noncurrent loans | 163.4615% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4651% | 2,165 |
| Noncurrent loans to loans | 0.6149% | 2,162 |
| Net loans and leases to total assets | 54.5976% | 3,433 |
| Net loans and leases to deposits | 63.8241% | 3,454 |
| Net loans and leases to core deposits | 63.9316% | 3,696 |
| Total domestic deposits to total assets | 85.5438% | 2,551 |
| Equity capital to assets | 7.3466% | 4,868 |
| Core capital (leverage) ratio | 7.1549% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1785% | 2,174 |
| Memoranda: | ||
| Average total assets | $509,204,600 | 1,526 |
| Average earning assets | $472,936,800 | 1,525 |
| Average equity | $39,960,600 | 2,024 |
| Average total loans | $315,022,400 | 1,630 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6032% | 4,002 |
| Cost of funding earning assets | 0.1520% | 4,796 |
| Net interest margin | 3.4512% | 2,748 |
| Noninterest income to average assets | 4.2279% | 124 |
| Noninterest expense to average assets | 5.8017% | 136 |
| Loan and lease loss provision to assets | 0.1684% | 2,318 |
| Net operating income to assets | 1.3899% | 1,124 |
| Return on assets (ROA) | 1.4040% | 1,188 |
| Pretax return on assets | 1.4725% | 1,507 |
| Return on Equity (ROE) | 17.5691% | 396 |
| Retained earnings to average equity (ytd only) | 14.5336% | 224 |
| Net charge-offs to loans | 0.1428% | 1,024 |
| Credit loss provision to net charge-offs | 184.9112% | 2,167 |
| Earnings coverage of net charge-offs (x) | 17.8491% | 1,988 |
| Efficiency ratio | 77.8721% | 1,050 |
| Assets per employee ($millions) | 3.3997% | 4,708 |
| Cash dividends to net income (ytd only)* | 17.2778% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,410 |
| Loan loss allowance to noncurrent loans | 106.6225% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 1,908 |
| Noncurrent loans to loans | 0.7312% | 1,978 |
| Net loans and leases to total assets | 64.0404% | 2,767 |
| Net loans and leases to deposits | 75.2571% | 2,820 |
| Net loans and leases to core deposits | 75.2571% | 3,224 |
| Total domestic deposits to total assets | 85.0955% | 2,401 |
| Equity capital to assets | 7.7432% | 4,794 |
| Core capital (leverage) ratio | 7.2966% | 4,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9947% | 2,204 |
| Memoranda: | ||
| Average total assets | $494,668,500 | 1,547 |
| Average earning assets | $458,650,250 | 1,547 |
| Average equity | $39,530,500 | 2,032 |
| Average total loans | $315,552,000 | 1,626 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 3,991 |
| Cost of funding earning assets | 0.1810% | 4,808 |
| Net interest margin | 3.5643% | 2,597 |
| Noninterest income to average assets | 4.0122% | 124 |
| Noninterest expense to average assets | 5.8314% | 140 |
| Loan and lease loss provision to assets | 0.1882% | 2,140 |
| Net operating income to assets | 1.2269% | 1,562 |
| Return on assets (ROA) | 1.2487% | 1,614 |
| Pretax return on assets | 1.3102% | 1,993 |
| Return on Equity (ROE) | 15.4444% | 642 |
| Retained earnings to average equity (ytd only) | 15.4444% | 201 |
| Net charge-offs to loans | 0.2147% | 720 |
| Credit loss provision to net charge-offs | 138.0368% | 2,189 |
| Earnings coverage of net charge-offs (x) | 10.8221% | 2,128 |
| Efficiency ratio | 79.5559% | 921 |
| Assets per employee ($millions) | 3.4856% | 4,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 4,494 |
| Loan loss allowance to noncurrent loans | 89.6828% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7233% | 1,701 |
| Noncurrent loans to loans | 0.8223% | 1,853 |
| Net loans and leases to total assets | 63.6897% | 2,923 |
| Net loans and leases to deposits | 75.0464% | 2,968 |
| Net loans and leases to core deposits | 75.0464% | 3,366 |
| Total domestic deposits to total assets | 84.8672% | 2,447 |
| Equity capital to assets | 7.5352% | 4,868 |
| Core capital (leverage) ratio | 7.5732% | 4,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6482% | 2,338 |
| Memoranda: | ||
| Average total assets | $478,241,333 | 1,561 |
| Average earning assets | $442,053,667 | 1,569 |
| Average equity | $38,667,667 | 2,055 |
| Average total loans | $303,707,667 | 1,655 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 3,674 |
| Cost of funding earning assets | 0.2729% | 4,723 |
| Net interest margin | 3.7678% | 2,092 |
| Noninterest income to average assets | 3.6607% | 122 |
| Noninterest expense to average assets | 5.8947% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1697% | 1,619 |
| Return on assets (ROA) | 1.2167% | 1,573 |
| Pretax return on assets | 1.2741% | 1,949 |
| Return on Equity (ROE) | 14.4476% | 619 |
| Retained earnings to average equity (ytd only) | 14.4476% | 224 |
| Net charge-offs to loans | 0.0199% | 1,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 97.4286% | 590 |
| Efficiency ratio | 82.5199% | 939 |
| Assets per employee ($millions) | 2.9419% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,303 |
| Loan loss allowance to noncurrent loans | 148.0243% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 2,209 |
| Noncurrent loans to loans | 0.5684% | 2,572 |
| Net loans and leases to total assets | 63.3402% | 3,144 |
| Net loans and leases to deposits | 76.5383% | 3,025 |
| Net loans and leases to core deposits | 76.6506% | 3,455 |
| Total domestic deposits to total assets | 82.7562% | 3,193 |
| Equity capital to assets | 8.6824% | 4,751 |
| Core capital (leverage) ratio | 8.3963% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9895% | 2,705 |
| Memoranda: | ||
| Average total assets | $445,483,000 | 1,628 |
| Average earning assets | $408,936,500 | 1,638 |
| Average equity | $37,515,000 | 2,091 |
| Average total loans | $281,116,000 | 1,710 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 4,032 |
| Cost of funding earning assets | 0.3577% | 4,580 |
| Net interest margin | 3.7452% | 2,676 |
| Noninterest income to average assets | 3.8582% | 112 |
| Noninterest expense to average assets | 6.1950% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0749% | 2,548 |
| Return on assets (ROA) | 1.0856% | 2,595 |
| Pretax return on assets | 1.1383% | 3,046 |
| Return on Equity (ROE) | 13.8775% | 923 |
| Retained earnings to average equity (ytd only) | 4.4421% | 2,741 |
| Net charge-offs to loans | 0.0111% | 3,297 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 160.3333% | 466 |
| Efficiency ratio | 84.3227% | 639 |
| Assets per employee ($millions) | 2.7542% | 4,924 |
| Cash dividends to net income (ytd only)* | 67.9905% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 3,987 |
| Loan loss allowance to noncurrent loans | 103.3446% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 1,586 |
| Noncurrent loans to loans | 0.8658% | 1,776 |
| Net loans and leases to total assets | 61.7436% | 3,427 |
| Net loans and leases to deposits | 73.3394% | 3,406 |
| Net loans and leases to core deposits | 73.4488% | 3,764 |
| Total domestic deposits to total assets | 84.1888% | 2,793 |
| Equity capital to assets | 8.1510% | 5,026 |
| Core capital (leverage) ratio | 8.1533% | 4,989 |
| Tier 1 risk-based capital ratio | 12.1207% | 4,291 |
| Total risk-based capital ratio | 12.9523% | 4,412 |
| Memoranda: | ||
| Average total assets | $426,779,400 | 1,643 |
| Average earning assets | $394,718,200 | 1,650 |
| Average equity | $33,385,000 | 2,216 |
| Average total loans | $270,930,400 | 1,725 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 4,129 |
| Cost of funding earning assets | 0.3637% | 4,618 |
| Net interest margin | 3.7464% | 2,765 |
| Noninterest income to average assets | 3.7990% | 120 |
| Noninterest expense to average assets | 5.9046% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3036% | 1,848 |
| Return on assets (ROA) | 1.3179% | 1,852 |
| Pretax return on assets | 1.3814% | 2,376 |
| Return on Equity (ROE) | 17.0321% | 473 |
| Retained earnings to average equity (ytd only) | 4.2306% | 3,284 |
| Net charge-offs to loans | -0.0069% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9186% | 841 |
| Assets per employee ($millions) | 2.7341% | 4,997 |
| Cash dividends to net income (ytd only)* | 75.1612% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8892% | 4,090 |
| Loan loss allowance to noncurrent loans | 116.1833% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 1,601 |
| Noncurrent loans to loans | 0.7653% | 2,058 |
| Net loans and leases to total assets | 63.6910% | 3,318 |
| Net loans and leases to deposits | 76.7728% | 3,224 |
| Net loans and leases to core deposits | 76.9125% | 3,635 |
| Total domestic deposits to total assets | 82.9603% | 3,184 |
| Equity capital to assets | 8.0162% | 5,124 |
| Core capital (leverage) ratio | 8.1146% | 5,087 |
| Tier 1 risk-based capital ratio | 12.1987% | 4,312 |
| Total risk-based capital ratio | 13.0618% | 4,400 |
| Memoranda: | ||
| Average total assets | $423,996,500 | 1,661 |
| Average earning assets | $392,940,250 | 1,669 |
| Average equity | $32,807,750 | 2,266 |
| Average total loans | $270,457,250 | 1,740 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0919% | 4,181 |
| Cost of funding earning assets | 0.3592% | 4,658 |
| Net interest margin | 3.7327% | 2,822 |
| Noninterest income to average assets | 3.4679% | 130 |
| Noninterest expense to average assets | 5.6615% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2034% | 2,136 |
| Return on assets (ROA) | 1.1997% | 2,216 |
| Pretax return on assets | 1.2578% | 2,718 |
| Return on Equity (ROE) | 15.6999% | 642 |
| Retained earnings to average equity (ytd only) | 3.8721% | 3,310 |
| Net charge-offs to loans | -0.0142% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4746% | 841 |
| Assets per employee ($millions) | 2.8315% | 4,997 |
| Cash dividends to net income (ytd only)* | 75.3370% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,122 |
| Loan loss allowance to noncurrent loans | 110.0354% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 1,527 |
| Noncurrent loans to loans | 0.8114% | 1,969 |
| Net loans and leases to total assets | 64.1925% | 3,316 |
| Net loans and leases to deposits | 76.8123% | 3,260 |
| Net loans and leases to core deposits | 77.5889% | 3,610 |
| Total domestic deposits to total assets | 83.5706% | 3,022 |
| Equity capital to assets | 7.9270% | 5,190 |
| Core capital (leverage) ratio | 8.2096% | 5,106 |
| Tier 1 risk-based capital ratio | 12.0970% | 4,365 |
| Total risk-based capital ratio | 12.9656% | 4,471 |
| Memoranda: | ||
| Average total assets | $420,421,670 | 1,680 |
| Average earning assets | $389,154,670 | 1,683 |
| Average equity | $32,127,670 | 2,294 |
| Average total loans | $267,489,000 | 1,765 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0718% | 4,204 |
| Cost of funding earning assets | 0.3402% | 4,707 |
| Net interest margin | 3.7316% | 2,778 |
| Noninterest income to average assets | 2.9829% | 146 |
| Noninterest expense to average assets | 5.4920% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9018% | 3,229 |
| Return on assets (ROA) | 0.8945% | 3,308 |
| Pretax return on assets | 0.9368% | 3,648 |
| Return on Equity (ROE) | 11.9359% | 1,554 |
| Retained earnings to average equity (ytd only) | 0.3726% | 4,459 |
| Net charge-offs to loans | -0.0168% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9963% | 646 |
| Assets per employee ($millions) | 2.8551% | 5,048 |
| Cash dividends to net income (ytd only)* | 96.8784% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,979 |
| Loan loss allowance to noncurrent loans | 105.3079% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9693% | 1,447 |
| Noncurrent loans to loans | 0.8978% | 1,859 |
| Net loans and leases to total assets | 61.9099% | 3,513 |
| Net loans and leases to deposits | 74.7251% | 3,380 |
| Net loans and leases to core deposits | 76.0594% | 3,657 |
| Total domestic deposits to total assets | 82.8502% | 3,441 |
| Equity capital to assets | 7.6195% | 5,245 |
| Core capital (leverage) ratio | 8.3822% | 5,068 |
| Tier 1 risk-based capital ratio | 12.4930% | 4,172 |
| Total risk-based capital ratio | 13.4029% | 4,257 |
| Memoranda: | ||
| Average total assets | $415,438,500 | 1,708 |
| Average earning assets | $384,502,000 | 1,715 |
| Average equity | $31,133,000 | 2,348 |
| Average total loans | $261,850,500 | 1,798 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 4,320 |
| Cost of funding earning assets | 0.2680% | 4,721 |
| Net interest margin | 3.6115% | 3,345 |
| Noninterest income to average assets | 3.3881% | 134 |
| Noninterest expense to average assets | 5.7154% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9818% | 3,094 |
| Return on assets (ROA) | 0.9844% | 3,081 |
| Pretax return on assets | 1.0320% | 3,505 |
| Return on Equity (ROE) | 14.0974% | 1,025 |
| Retained earnings to average equity (ytd only) | 0.2366% | 4,919 |
| Net charge-offs to loans | 0.0261% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 64.2154% | 981 |
| Efficiency ratio | 84.5605% | 609 |
| Assets per employee ($millions) | 2.7230% | 5,128 |
| Cash dividends to net income (ytd only)* | 98.3216% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 3,975 |
| Loan loss allowance to noncurrent loans | 159.6639% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 1,760 |
| Noncurrent loans to loans | 0.5918% | 2,514 |
| Net loans and leases to total assets | 62.9693% | 3,469 |
| Net loans and leases to deposits | 76.3373% | 3,325 |
| Net loans and leases to core deposits | 76.5857% | 3,673 |
| Total domestic deposits to total assets | 82.4882% | 3,491 |
| Equity capital to assets | 7.3659% | 5,293 |
| Core capital (leverage) ratio | 8.3318% | 5,100 |
| Tier 1 risk-based capital ratio | 12.4591% | 4,165 |
| Total risk-based capital ratio | 13.3672% | 4,239 |
| Memoranda: | ||
| Average total assets | $405,537,600 | 1,691 |
| Average earning assets | $376,904,200 | 1,691 |
| Average equity | $28,317,200 | 2,441 |
| Average total loans | $248,772,800 | 1,829 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8043% | 4,431 |
| Cost of funding earning assets | 0.2585% | 4,735 |
| Net interest margin | 3.5458% | 3,533 |
| Noninterest income to average assets | 3.4193% | 140 |
| Noninterest expense to average assets | 5.7099% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9622% | 3,255 |
| Return on assets (ROA) | 0.9657% | 3,251 |
| Pretax return on assets | 1.0125% | 3,680 |
| Return on Equity (ROE) | 14.0255% | 1,115 |
| Retained earnings to average equity (ytd only) | 0.2492% | 4,997 |
| Net charge-offs to loans | 0.0456% | 2,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 36.4038% | 1,424 |
| Efficiency ratio | 84.8564% | 586 |
| Assets per employee ($millions) | 2.7600% | 5,184 |
| Cash dividends to net income (ytd only)* | 98.2235% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,050 |
| Loan loss allowance to noncurrent loans | 200.1633% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 1,929 |
| Noncurrent loans to loans | 0.4740% | 2,964 |
| Net loans and leases to total assets | 61.0168% | 3,744 |
| Net loans and leases to deposits | 74.0957% | 3,583 |
| Net loans and leases to core deposits | 75.4051% | 3,846 |
| Total domestic deposits to total assets | 82.3486% | 3,509 |
| Equity capital to assets | 6.8770% | 5,399 |
| Core capital (leverage) ratio | 8.3484% | 5,176 |
| Tier 1 risk-based capital ratio | 12.6694% | 4,100 |
| Total risk-based capital ratio | 13.5842% | 4,187 |
| Memoranda: | ||
| Average total assets | $404,127,000 | 1,703 |
| Average earning assets | $376,060,750 | 1,697 |
| Average equity | $27,824,750 | 2,473 |
| Average total loans | $245,619,250 | 1,853 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7320% | 4,511 |
| Cost of funding earning assets | 0.2402% | 4,800 |
| Net interest margin | 3.4918% | 3,659 |
| Noninterest income to average assets | 3.4657% | 135 |
| Noninterest expense to average assets | 5.7845% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8945% | 3,478 |
| Return on assets (ROA) | 0.8998% | 3,463 |
| Pretax return on assets | 0.9434% | 3,830 |
| Return on Equity (ROE) | 13.0626% | 1,350 |
| Retained earnings to average equity (ytd only) | 0.1455% | 4,931 |
| Net charge-offs to loans | -0.0356% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9369% | 573 |
| Assets per employee ($millions) | 2.8027% | 5,217 |
| Cash dividends to net income (ytd only)* | 98.8858% | 394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,759 |
| Loan loss allowance to noncurrent loans | 160.3856% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8982% | 1,674 |
| Noncurrent loans to loans | 0.6307% | 2,532 |
| Net loans and leases to total assets | 62.5376% | 3,542 |
| Net loans and leases to deposits | 73.7926% | 3,560 |
| Net loans and leases to core deposits | 75.1659% | 3,802 |
| Total domestic deposits to total assets | 84.7478% | 2,773 |
| Equity capital to assets | 6.5879% | 5,478 |
| Core capital (leverage) ratio | 8.0294% | 5,339 |
| Tier 1 risk-based capital ratio | 12.0146% | 4,485 |
| Total risk-based capital ratio | 12.9958% | 4,534 |
| Memoranda: | ||
| Average total assets | $398,998,000 | 1,734 |
| Average earning assets | $372,129,330 | 1,720 |
| Average equity | $27,483,000 | 2,502 |
| Average total loans | $241,350,330 | 1,877 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6246% | 4,651 |
| Cost of funding earning assets | 0.2191% | 4,902 |
| Net interest margin | 3.4055% | 3,870 |
| Noninterest income to average assets | 3.4575% | 136 |
| Noninterest expense to average assets | 5.8593% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7442% | 3,924 |
| Return on assets (ROA) | 0.7643% | 3,854 |
| Pretax return on assets | 0.8016% | 4,148 |
| Return on Equity (ROE) | 10.8555% | 2,027 |
| Retained earnings to average equity (ytd only) | 0.1146% | 4,788 |
| Net charge-offs to loans | -0.0256% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1397% | 530 |
| Assets per employee ($millions) | 2.7467% | 5,313 |
| Cash dividends to net income (ytd only)* | 98.9446% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,470 |
| Loan loss allowance to noncurrent loans | 217.5768% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 1,937 |
| Noncurrent loans to loans | 0.4994% | 3,019 |
| Net loans and leases to total assets | 59.5185% | 3,795 |
| Net loans and leases to deposits | 70.3362% | 3,761 |
| Net loans and leases to core deposits | 70.5729% | 4,054 |
| Total domestic deposits to total assets | 84.6201% | 3,067 |
| Equity capital to assets | 6.9057% | 5,520 |
| Core capital (leverage) ratio | 8.0893% | 5,367 |
| Tier 1 risk-based capital ratio | 12.9165% | 3,997 |
| Total risk-based capital ratio | 13.9601% | 4,009 |
| Memoranda: | ||
| Average total assets | $396,702,500 | 1,753 |
| Average earning assets | $370,689,500 | 1,737 |
| Average equity | $27,930,500 | 2,498 |
| Average total loans | $234,538,500 | 1,934 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 4,579 |
| Cost of funding earning assets | 0.2940% | 4,200 |
| Net interest margin | 3.3034% | 4,154 |
| Noninterest income to average assets | 3.2943% | 158 |
| Noninterest expense to average assets | 5.4528% | 171 |
| Loan and lease loss provision to assets | -0.1273% | 5,510 |
| Net operating income to assets | 1.0066% | 2,214 |
| Return on assets (ROA) | 1.0088% | 2,239 |
| Pretax return on assets | 1.0605% | 3,342 |
| Return on Equity (ROE) | 13.9229% | 771 |
| Retained earnings to average equity (ytd only) | 5.4890% | 1,822 |
| Net charge-offs to loans | -0.0376% | 5,117 |
| Credit loss provision to net charge-offs | 568.1818% | 570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3376% | 684 |
| Assets per employee ($millions) | 2.9230% | 5,251 |
| Cash dividends to net income (ytd only)* | 60.5755% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,441 |
| Loan loss allowance to noncurrent loans | 176.4092% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.8563% | 1,819 |
| Noncurrent loans to loans | 0.6131% | 2,700 |
| Net loans and leases to total assets | 57.4780% | 4,062 |
| Net loans and leases to deposits | 72.2292% | 3,680 |
| Net loans and leases to core deposits | 72.4788% | 4,016 |
| Total domestic deposits to total assets | 79.5772% | 4,424 |
| Equity capital to assets | 7.1712% | 5,573 |
| Core capital (leverage) ratio | 8.0111% | 5,434 |
| Tier 1 risk-based capital ratio | 12.9321% | 3,942 |
| Total risk-based capital ratio | 13.9669% | 3,978 |
| Memoranda: | ||
| Average total assets | $392,734,200 | 1,738 |
| Average earning assets | $367,291,800 | 1,723 |
| Average equity | $28,456,800 | 2,466 |
| Average total loans | $234,255,800 | 1,908 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5965% | 4,568 |
| Cost of funding earning assets | 0.2935% | 4,194 |
| Net interest margin | 3.3030% | 4,165 |
| Noninterest income to average assets | 3.3244% | 168 |
| Noninterest expense to average assets | 5.2956% | 191 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0628% | 2,270 |
| Return on assets (ROA) | 1.0658% | 2,292 |
| Pretax return on assets | 1.1208% | 3,229 |
| Return on Equity (ROE) | 14.6695% | 709 |
| Retained earnings to average equity (ytd only) | 6.2009% | 2,106 |
| Net charge-offs to loans | -0.0450% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4921% | 877 |
| Assets per employee ($millions) | 2.9470% | 5,302 |
| Cash dividends to net income (ytd only)* | 57.7293% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,339 |
| Loan loss allowance to noncurrent loans | 280.0185% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 2,227 |
| Noncurrent loans to loans | 0.4656% | 3,305 |
| Net loans and leases to total assets | 56.3473% | 4,202 |
| Net loans and leases to deposits | 71.9496% | 3,780 |
| Net loans and leases to core deposits | 72.1994% | 4,116 |
| Total domestic deposits to total assets | 78.3149% | 4,668 |
| Equity capital to assets | 7.3660% | 5,630 |
| Core capital (leverage) ratio | 7.9202% | 5,536 |
| Tier 1 risk-based capital ratio | 13.1375% | 3,917 |
| Total risk-based capital ratio | 14.3876% | 3,822 |
| Memoranda: | ||
| Average total assets | $390,073,500 | 1,762 |
| Average earning assets | $364,785,250 | 1,744 |
| Average equity | $28,339,250 | 2,489 |
| Average total loans | $234,222,750 | 1,918 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5873% | 4,548 |
| Cost of funding earning assets | 0.2915% | 4,168 |
| Net interest margin | 3.2958% | 4,121 |
| Noninterest income to average assets | 3.3588% | 168 |
| Noninterest expense to average assets | 5.2437% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1398% | 1,823 |
| Return on assets (ROA) | 1.1442% | 1,859 |
| Pretax return on assets | 1.2014% | 2,768 |
| Return on Equity (ROE) | 15.8272% | 555 |
| Retained earnings to average equity (ytd only) | 2.8777% | 3,997 |
| Net charge-offs to loans | -0.0639% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3373% | 1,068 |
| Assets per employee ($millions) | 2.9399% | 5,324 |
| Cash dividends to net income (ytd only)* | 81.8182% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2633% | 2,603 |
| Loan loss allowance to noncurrent loans | 274.4777% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 2,106 |
| Noncurrent loans to loans | 0.4602% | 3,366 |
| Net loans and leases to total assets | 59.5132% | 3,885 |
| Net loans and leases to deposits | 74.7321% | 3,473 |
| Net loans and leases to core deposits | 74.9341% | 3,864 |
| Total domestic deposits to total assets | 79.6354% | 4,495 |
| Equity capital to assets | 7.4063% | 5,670 |
| Core capital (leverage) ratio | 8.0007% | 5,525 |
| Tier 1 risk-based capital ratio | 12.7713% | 4,140 |
| Total risk-based capital ratio | 14.0212% | 4,045 |
| Memoranda: | ||
| Average total assets | $384,538,000 | 1,787 |
| Average earning assets | $359,547,330 | 1,768 |
| Average equity | $27,800,330 | 2,520 |
| Average total loans | $234,903,670 | 1,919 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5698% | 4,494 |
| Cost of funding earning assets | 0.2890% | 4,154 |
| Net interest margin | 3.2808% | 4,081 |
| Noninterest income to average assets | 3.2361% | 186 |
| Noninterest expense to average assets | 5.0872% | 225 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1682% | 1,600 |
| Return on assets (ROA) | 1.1682% | 1,643 |
| Pretax return on assets | 1.2211% | 2,509 |
| Return on Equity (ROE) | 16.3686% | 481 |
| Retained earnings to average equity (ytd only) | 0.0741% | 4,894 |
| Net charge-offs to loans | -0.0928% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5597% | 1,309 |
| Assets per employee ($millions) | 3.0001% | 5,352 |
| Cash dividends to net income (ytd only)* | 99.5475% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 2,569 |
| Loan loss allowance to noncurrent loans | 269.4794% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.8514% | 2,174 |
| Noncurrent loans to loans | 0.4800% | 3,365 |
| Net loans and leases to total assets | 59.1918% | 3,867 |
| Net loans and leases to deposits | 73.8985% | 3,416 |
| Net loans and leases to core deposits | 74.1022% | 3,820 |
| Total domestic deposits to total assets | 80.0987% | 4,600 |
| Equity capital to assets | 7.1132% | 5,743 |
| Core capital (leverage) ratio | 8.1046% | 5,506 |
| Tier 1 risk-based capital ratio | 12.9558% | 4,102 |
| Total risk-based capital ratio | 14.2061% | 4,002 |
| Memoranda: | ||
| Average total assets | $378,362,000 | 1,822 |
| Average earning assets | $354,301,500 | 1,804 |
| Average equity | $27,003,000 | 2,577 |
| Average total loans | $232,743,500 | 1,939 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 4,277 |
| Cost of funding earning assets | 0.2786% | 4,266 |
| Net interest margin | 3.4014% | 3,824 |
| Noninterest income to average assets | 3.6184% | 160 |
| Noninterest expense to average assets | 5.5724% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1687% | 1,612 |
| Return on assets (ROA) | 1.2145% | 1,542 |
| Pretax return on assets | 1.2735% | 2,385 |
| Return on Equity (ROE) | 15.6782% | 538 |
| Retained earnings to average equity (ytd only) | 7.8586% | 900 |
| Net charge-offs to loans | 0.0163% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 117.6316% | 511 |
| Efficiency ratio | 81.8992% | 1,211 |
| Assets per employee ($millions) | 2.8884% | 5,434 |
| Cash dividends to net income (ytd only)* | 49.8759% | 2,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,740 |
| Loan loss allowance to noncurrent loans | 352.6316% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 2,019 |
| Noncurrent loans to loans | 0.3582% | 3,847 |
| Net loans and leases to total assets | 62.3344% | 3,569 |
| Net loans and leases to deposits | 77.6396% | 3,147 |
| Net loans and leases to core deposits | 77.8623% | 3,578 |
| Total domestic deposits to total assets | 80.2869% | 4,511 |
| Equity capital to assets | 7.1616% | 5,781 |
| Core capital (leverage) ratio | 8.0044% | 5,617 |
| Tier 1 risk-based capital ratio | 12.8981% | 4,135 |
| Total risk-based capital ratio | 14.1479% | 4,030 |
| Memoranda: | ||
| Average total assets | $364,833,800 | 1,832 |
| Average earning assets | $341,006,600 | 1,822 |
| Average equity | $28,262,200 | 2,495 |
| Average total loans | $233,573,000 | 1,881 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 4,231 |
| Cost of funding earning assets | 0.2774% | 4,318 |
| Net interest margin | 3.4293% | 3,741 |
| Noninterest income to average assets | 3.5732% | 169 |
| Noninterest expense to average assets | 5.5305% | 202 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1898% | 1,671 |
| Return on assets (ROA) | 1.2511% | 1,558 |
| Pretax return on assets | 1.3120% | 2,380 |
| Return on Equity (ROE) | 15.8421% | 561 |
| Retained earnings to average equity (ytd only) | 8.2507% | 1,066 |
| Net charge-offs to loans | -0.0006% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5147% | 1,245 |
| Assets per employee ($millions) | 2.8714% | 5,493 |
| Cash dividends to net income (ytd only)* | 47.9192% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,777 |
| Loan loss allowance to noncurrent loans | 318.4435% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 2,158 |
| Noncurrent loans to loans | 0.4032% | 3,831 |
| Net loans and leases to total assets | 60.5914% | 3,803 |
| Net loans and leases to deposits | 76.1883% | 3,381 |
| Net loans and leases to core deposits | 76.9743% | 3,757 |
| Total domestic deposits to total assets | 79.5285% | 4,612 |
| Equity capital to assets | 7.9855% | 5,742 |
| Core capital (leverage) ratio | 8.0126% | 5,680 |
| Tier 1 risk-based capital ratio | 11.1056% | 5,314 |
| Total risk-based capital ratio | 12.2222% | 5,299 |
| Memoranda: | ||
| Average total assets | $363,622,500 | 1,844 |
| Average earning assets | $339,809,500 | 1,834 |
| Average equity | $28,716,000 | 2,479 |
| Average total loans | $233,622,750 | 1,880 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7488% | 4,130 |
| Cost of funding earning assets | 0.2797% | 4,349 |
| Net interest margin | 3.4691% | 3,616 |
| Noninterest income to average assets | 3.5371% | 171 |
| Noninterest expense to average assets | 5.5539% | 206 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1643% | 1,723 |
| Return on assets (ROA) | 1.1632% | 1,831 |
| Pretax return on assets | 1.2201% | 2,701 |
| Return on Equity (ROE) | 14.7878% | 701 |
| Retained earnings to average equity (ytd only) | 6.5605% | 1,844 |
| Net charge-offs to loans | -0.0026% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8923% | 1,285 |
| Assets per employee ($millions) | 2.8094% | 5,601 |
| Cash dividends to net income (ytd only)* | 55.6355% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 2,981 |
| Loan loss allowance to noncurrent loans | 357.1087% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 1,955 |
| Noncurrent loans to loans | 0.3545% | 4,100 |
| Net loans and leases to total assets | 63.8301% | 3,387 |
| Net loans and leases to deposits | 79.5818% | 2,988 |
| Net loans and leases to core deposits | 81.0592% | 3,360 |
| Total domestic deposits to total assets | 80.2069% | 4,497 |
| Equity capital to assets | 8.0457% | 5,795 |
| Core capital (leverage) ratio | 8.0144% | 5,722 |
| Tier 1 risk-based capital ratio | 12.4804% | 4,541 |
| Total risk-based capital ratio | 13.7305% | 4,445 |
| Memoranda: | ||
| Average total assets | $358,488,670 | 1,870 |
| Average earning assets | $334,611,330 | 1,857 |
| Average equity | $28,199,000 | 2,519 |
| Average total loans | $233,949,330 | 1,885 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,086 |
| Cost of funding earning assets | 0.2847% | 4,338 |
| Net interest margin | 3.4793% | 3,558 |
| Noninterest income to average assets | 3.3420% | 177 |
| Noninterest expense to average assets | 5.5530% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9843% | 2,352 |
| Return on assets (ROA) | 0.9811% | 2,480 |
| Pretax return on assets | 1.0340% | 3,345 |
| Return on Equity (ROE) | 12.6204% | 1,124 |
| Retained earnings to average equity (ytd only) | 6.6797% | 2,042 |
| Net charge-offs to loans | -0.0017% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1736% | 1,142 |
| Assets per employee ($millions) | 2.6533% | 5,758 |
| Cash dividends to net income (ytd only)* | 47.0723% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,989 |
| Loan loss allowance to noncurrent loans | 108.9748% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.5126% | 1,345 |
| Noncurrent loans to loans | 1.1778% | 2,055 |
| Net loans and leases to total assets | 64.1373% | 3,221 |
| Net loans and leases to deposits | 80.4643% | 2,736 |
| Net loans and leases to core deposits | 81.9976% | 3,127 |
| Total domestic deposits to total assets | 79.7090% | 4,815 |
| Equity capital to assets | 7.8695% | 5,869 |
| Core capital (leverage) ratio | 8.0131% | 5,765 |
| Tier 1 risk-based capital ratio | 12.3719% | 4,675 |
| Total risk-based capital ratio | 13.6224% | 4,572 |
| Memoranda: | ||
| Average total assets | $355,121,000 | 1,887 |
| Average earning assets | $331,564,000 | 1,875 |
| Average equity | $27,606,000 | 2,553 |
| Average total loans | $232,868,000 | 1,896 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8096% | 4,013 |
| Cost of funding earning assets | 0.2629% | 4,668 |
| Net interest margin | 3.5466% | 3,344 |
| Noninterest income to average assets | 3.5354% | 175 |
| Noninterest expense to average assets | 5.6763% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0954% | 1,951 |
| Return on assets (ROA) | 1.0979% | 2,008 |
| Pretax return on assets | 1.1510% | 2,836 |
| Return on Equity (ROE) | 14.0977% | 829 |
| Retained earnings to average equity (ytd only) | 2.5981% | 4,226 |
| Net charge-offs to loans | -0.0458% | 5,524 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0880% | 1,266 |
| Assets per employee ($millions) | 2.6272% | 5,828 |
| Cash dividends to net income (ytd only)* | 81.5706% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 3,009 |
| Loan loss allowance to noncurrent loans | 95.6438% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.6509% | 1,184 |
| Noncurrent loans to loans | 1.3398% | 1,754 |
| Net loans and leases to total assets | 65.3397% | 3,077 |
| Net loans and leases to deposits | 81.8406% | 2,610 |
| Net loans and leases to core deposits | 83.3407% | 3,018 |
| Total domestic deposits to total assets | 79.8377% | 4,782 |
| Equity capital to assets | 7.6762% | 5,951 |
| Core capital (leverage) ratio | 7.9641% | 5,855 |
| Tier 1 risk-based capital ratio | 10.6205% | 5,719 |
| Total risk-based capital ratio | 11.7540% | 5,692 |
| Memoranda: | ||
| Average total assets | $344,483,600 | 1,895 |
| Average earning assets | $319,486,400 | 1,894 |
| Average equity | $26,827,000 | 2,565 |
| Average total loans | $233,558,200 | 1,846 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,076 |
| Cost of funding earning assets | 0.2635% | 4,736 |
| Net interest margin | 3.5398% | 3,386 |
| Noninterest income to average assets | 3.5742% | 175 |
| Noninterest expense to average assets | 5.5439% | 212 |
| Loan and lease loss provision to assets | 0.0101% | 4,067 |
| Net operating income to assets | 1.2397% | 1,527 |
| Return on assets (ROA) | 1.2427% | 1,573 |
| Pretax return on assets | 1.3014% | 2,393 |
| Return on Equity (ROE) | 15.8984% | 603 |
| Retained earnings to average equity (ytd only) | 0.5378% | 5,460 |
| Net charge-offs to loans | -0.0639% | 5,630 |
| Credit loss provision to net charge-offs | -23.2143% | 4,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8201% | 1,543 |
| Assets per employee ($millions) | 2.7118% | 5,826 |
| Cash dividends to net income (ytd only)* | 96.6175% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 3,074 |
| Loan loss allowance to noncurrent loans | 103.9642% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.6177% | 1,364 |
| Noncurrent loans to loans | 1.2535% | 2,030 |
| Net loans and leases to total assets | 65.2966% | 3,112 |
| Net loans and leases to deposits | 82.3421% | 2,604 |
| Net loans and leases to core deposits | 83.9490% | 3,048 |
| Total domestic deposits to total assets | 79.2992% | 4,912 |
| Equity capital to assets | 7.6842% | 6,041 |
| Core capital (leverage) ratio | 8.0028% | 5,903 |
| Tier 1 risk-based capital ratio | 12.0825% | 5,031 |
| Total risk-based capital ratio | 13.3332% | 4,941 |
| Memoranda: | ||
| Average total assets | $342,592,500 | 1,919 |
| Average earning assets | $317,259,250 | 1,923 |
| Average equity | $26,777,750 | 2,581 |
| Average total loans | $233,694,500 | 1,853 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7976% | 4,076 |
| Cost of funding earning assets | 0.2651% | 4,772 |
| Net interest margin | 3.5324% | 3,367 |
| Noninterest income to average assets | 3.6269% | 174 |
| Noninterest expense to average assets | 5.5029% | 224 |
| Loan and lease loss provision to assets | 0.0153% | 3,818 |
| Net operating income to assets | 1.3125% | 1,281 |
| Return on assets (ROA) | 1.3175% | 1,320 |
| Pretax return on assets | 1.3804% | 2,063 |
| Return on Equity (ROE) | 16.7593% | 518 |
| Retained earnings to average equity (ytd only) | 0.0449% | 5,488 |
| Net charge-offs to loans | -0.1015% | 5,797 |
| Credit loss provision to net charge-offs | -21.8487% | 4,733 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7441% | 1,797 |
| Assets per employee ($millions) | 2.5739% | 5,993 |
| Cash dividends to net income (ytd only)* | 99.7323% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 3,383 |
| Loan loss allowance to noncurrent loans | 105.2577% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.7578% | 1,334 |
| Noncurrent loans to loans | 1.2088% | 2,238 |
| Net loans and leases to total assets | 69.5673% | 2,393 |
| Net loans and leases to deposits | 87.6551% | 1,877 |
| Net loans and leases to core deposits | 90.1379% | 2,336 |
| Total domestic deposits to total assets | 79.3648% | 5,010 |
| Equity capital to assets | 7.7277% | 6,069 |
| Core capital (leverage) ratio | 8.1239% | 5,853 |
| Tier 1 risk-based capital ratio | 12.1581% | 5,030 |
| Total risk-based capital ratio | 13.4090% | 4,932 |
| Memoranda: | ||
| Average total assets | $340,182,670 | 1,953 |
| Average earning assets | $314,569,330 | 1,954 |
| Average equity | $26,743,330 | 2,586 |
| Average total loans | $234,446,670 | 1,846 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,206 |
| Cost of funding earning assets | 0.2604% | 4,900 |
| Net interest margin | 3.4869% | 3,492 |
| Noninterest income to average assets | 3.6080% | 182 |
| Noninterest expense to average assets | 5.6532% | 212 |
| Loan and lease loss provision to assets | 0.0304% | 3,281 |
| Net operating income to assets | 1.0974% | 1,881 |
| Return on assets (ROA) | 1.1075% | 1,950 |
| Pretax return on assets | 1.1648% | 2,811 |
| Return on Equity (ROE) | 13.9698% | 887 |
| Retained earnings to average equity (ytd only) | 0.0148% | 5,364 |
| Net charge-offs to loans | -0.2954% | 6,138 |
| Credit loss provision to net charge-offs | -15.1163% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5886% | 1,549 |
| Assets per employee ($millions) | 2.6106% | 6,036 |
| Cash dividends to net income (ytd only)* | 99.8943% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,266 |
| Loan loss allowance to noncurrent loans | 94.7920% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 1.8032% | 1,361 |
| Noncurrent loans to loans | 1.3998% | 2,051 |
| Net loans and leases to total assets | 65.8817% | 2,797 |
| Net loans and leases to deposits | 84.3119% | 2,027 |
| Net loans and leases to core deposits | 86.8741% | 2,449 |
| Total domestic deposits to total assets | 78.1405% | 5,419 |
| Equity capital to assets | 7.8376% | 6,095 |
| Core capital (leverage) ratio | 8.1698% | 5,837 |
| Tier 1 risk-based capital ratio | 10.6197% | 5,973 |
| Total risk-based capital ratio | 11.8173% | 5,923 |
| Memoranda: | ||
| Average total assets | $341,685,500 | 1,949 |
| Average earning assets | $316,494,500 | 1,949 |
| Average equity | $27,087,000 | 2,574 |
| Average total loans | $232,876,000 | 1,848 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0118% | 3,688 |
| Cost of funding earning assets | 0.2013% | 5,733 |
| Net interest margin | 3.8105% | 2,590 |
| Noninterest income to average assets | 3.2746% | 173 |
| Noninterest expense to average assets | 5.6330% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1386% | 1,822 |
| Return on assets (ROA) | 1.0940% | 2,053 |
| Pretax return on assets | 1.1450% | 2,898 |
| Return on Equity (ROE) | 13.9962% | 936 |
| Retained earnings to average equity (ytd only) | 3.5545% | 3,701 |
| Net charge-offs to loans | 0.1083% | 2,967 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 15.6800% | 2,066 |
| Efficiency ratio | 82.3446% | 1,623 |
| Assets per employee ($millions) | 2.4718% | 6,175 |
| Cash dividends to net income (ytd only)* | 74.6041% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2303% | 3,827 |
| Loan loss allowance to noncurrent loans | 86.0646% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8935% | 1,362 |
| Noncurrent loans to loans | 1.4295% | 2,057 |
| Net loans and leases to total assets | 68.7320% | 2,452 |
| Net loans and leases to deposits | 86.2283% | 1,951 |
| Net loans and leases to core deposits | 88.7036% | 2,419 |
| Total domestic deposits to total assets | 79.7092% | 5,090 |
| Equity capital to assets | 8.0203% | 6,061 |
| Core capital (leverage) ratio | 8.0170% | 5,994 |
| Tier 1 risk-based capital ratio | 12.1943% | 5,231 |
| Total risk-based capital ratio | 13.4448% | 5,148 |
| Memoranda: | ||
| Average total assets | $328,988,800 | 1,976 |
| Average earning assets | $306,493,800 | 1,959 |
| Average equity | $25,714,200 | 2,593 |
| Average total loans | $230,922,200 | 1,820 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,620 |
| Cost of funding earning assets | 0.1756% | 6,031 |
| Net interest margin | 3.8590% | 2,396 |
| Noninterest income to average assets | 3.1662% | 178 |
| Noninterest expense to average assets | 5.4934% | 231 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2166% | 1,626 |
| Return on assets (ROA) | 1.1935% | 1,770 |
| Pretax return on assets | 1.2498% | 2,577 |
| Return on Equity (ROE) | 15.3734% | 759 |
| Retained earnings to average equity (ytd only) | 1.2807% | 5,383 |
| Net charge-offs to loans | 0.1448% | 2,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.5038% | 2,311 |
| Efficiency ratio | 81.0502% | 1,752 |
| Assets per employee ($millions) | 2.5643% | 6,179 |
| Cash dividends to net income (ytd only)* | 91.6694% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 4,032 |
| Loan loss allowance to noncurrent loans | 106.6321% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.7869% | 1,673 |
| Noncurrent loans to loans | 1.1616% | 2,739 |
| Net loans and leases to total assets | 68.8385% | 2,406 |
| Net loans and leases to deposits | 87.9973% | 1,671 |
| Net loans and leases to core deposits | 90.9675% | 2,121 |
| Total domestic deposits to total assets | 78.2279% | 5,482 |
| Equity capital to assets | 7.8344% | 6,201 |
| Core capital (leverage) ratio | 8.0143% | 6,059 |
| Tier 1 risk-based capital ratio | 12.2516% | 5,329 |
| Total risk-based capital ratio | 13.5029% | 5,249 |
| Memoranda: | ||
| Average total assets | $327,196,500 | 1,998 |
| Average earning assets | $305,318,500 | 1,978 |
| Average equity | $25,402,500 | 2,630 |
| Average total loans | $230,171,250 | 1,830 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 3,493 |
| Cost of funding earning assets | 0.1530% | 6,252 |
| Net interest margin | 3.9092% | 2,122 |
| Noninterest income to average assets | 3.0534% | 185 |
| Noninterest expense to average assets | 5.5238% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1195% | 1,863 |
| Return on assets (ROA) | 1.0968% | 2,019 |
| Pretax return on assets | 1.1521% | 2,870 |
| Return on Equity (ROE) | 14.1709% | 921 |
| Retained earnings to average equity (ytd only) | 0.7789% | 5,434 |
| Net charge-offs to loans | 0.1281% | 2,387 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.0068% | 2,012 |
| Efficiency ratio | 82.3173% | 1,709 |
| Assets per employee ($millions) | 2.2630% | 6,418 |
| Cash dividends to net income (ytd only)* | 94.5036% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 3,994 |
| Loan loss allowance to noncurrent loans | 91.8103% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9745% | 1,627 |
| Noncurrent loans to loans | 1.3893% | 2,480 |
| Net loans and leases to total assets | 70.3361% | 2,027 |
| Net loans and leases to deposits | 90.6704% | 1,302 |
| Net loans and leases to core deposits | 91.5342% | 1,971 |
| Total domestic deposits to total assets | 77.5733% | 5,710 |
| Equity capital to assets | 7.9229% | 6,192 |
| Core capital (leverage) ratio | 8.0115% | 6,091 |
| Tier 1 risk-based capital ratio | 11.9824% | 5,550 |
| Total risk-based capital ratio | 13.2339% | 5,482 |
| Memoranda: | ||
| Average total assets | $325,141,000 | 2,005 |
| Average earning assets | $303,285,000 | 1,991 |
| Average equity | $25,164,330 | 2,642 |
| Average total loans | $229,441,670 | 1,827 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,528 |
| Cost of funding earning assets | 0.1553% | 6,328 |
| Net interest margin | 3.8833% | 2,140 |
| Noninterest income to average assets | 2.9724% | 190 |
| Noninterest expense to average assets | 5.4813% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0557% | 1,981 |
| Return on assets (ROA) | 1.0357% | 2,137 |
| Pretax return on assets | 1.0851% | 2,978 |
| Return on Equity (ROE) | 13.5448% | 1,029 |
| Retained earnings to average equity (ytd only) | 0.0485% | 5,531 |
| Net charge-offs to loans | 0.2182% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 7.2177% | 2,142 |
| Efficiency ratio | 83.0769% | 1,788 |
| Assets per employee ($millions) | 2.2542% | 6,486 |
| Cash dividends to net income (ytd only)* | 99.6420% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,009 |
| Loan loss allowance to noncurrent loans | 101.0087% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 1,722 |
| Noncurrent loans to loans | 1.3069% | 2,843 |
| Net loans and leases to total assets | 69.1788% | 2,034 |
| Net loans and leases to deposits | 89.9631% | 1,155 |
| Net loans and leases to core deposits | 91.2407% | 1,800 |
| Total domestic deposits to total assets | 76.8968% | 5,976 |
| Equity capital to assets | 7.7251% | 6,223 |
| Core capital (leverage) ratio | 8.1552% | 5,987 |
| Tier 1 risk-based capital ratio | 12.0949% | 5,571 |
| Total risk-based capital ratio | 13.2747% | 5,562 |
| Memoranda: | ||
| Average total assets | $323,643,500 | 2,021 |
| Average earning assets | $301,287,500 | 2,004 |
| Average equity | $24,747,500 | 2,670 |
| Average total loans | $227,272,500 | 1,844 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 3,901 |
| Cost of funding earning assets | 0.1682% | 6,452 |
| Net interest margin | 3.8871% | 2,338 |
| Noninterest income to average assets | 3.5713% | 181 |
| Noninterest expense to average assets | 5.9597% | 205 |
| Loan and lease loss provision to assets | -0.0876% | 6,462 |
| Net operating income to assets | 1.2597% | 1,364 |
| Return on assets (ROA) | 1.2734% | 1,380 |
| Pretax return on assets | 1.3243% | 2,059 |
| Return on Equity (ROE) | 16.6802% | 542 |
| Retained earnings to average equity (ytd only) | 3.8649% | 3,449 |
| Net charge-offs to loans | 0.2734% | 2,333 |
| Credit loss provision to net charge-offs | -46.1538% | 5,787 |
| Earnings coverage of net charge-offs (x) | 6.4419% | 3,064 |
| Efficiency ratio | 82.8584% | 1,767 |
| Assets per employee ($millions) | 2.4822% | 6,414 |
| Cash dividends to net income (ytd only)* | 76.8293% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3785% | 3,753 |
| Loan loss allowance to noncurrent loans | 106.5736% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.0506% | 1,751 |
| Noncurrent loans to loans | 1.2935% | 2,971 |
| Net loans and leases to total assets | 69.3730% | 2,114 |
| Net loans and leases to deposits | 89.7952% | 1,253 |
| Net loans and leases to core deposits | 91.0724% | 1,894 |
| Total domestic deposits to total assets | 77.2569% | 5,935 |
| Equity capital to assets | 7.5675% | 6,250 |
| Core capital (leverage) ratio | 8.0858% | 6,067 |
| Tier 1 risk-based capital ratio | 12.5433% | 5,262 |
| Total risk-based capital ratio | 13.7740% | 5,228 |
| Memoranda: | ||
| Average total assets | $321,980,400 | 1,998 |
| Average earning assets | $299,088,200 | 1,991 |
| Average equity | $24,580,000 | 2,673 |
| Average total loans | $223,501,600 | 1,832 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0444% | 3,955 |
| Cost of funding earning assets | 0.1713% | 6,546 |
| Net interest margin | 3.8731% | 2,370 |
| Noninterest income to average assets | 3.7566% | 187 |
| Noninterest expense to average assets | 5.9981% | 203 |
| Loan and lease loss provision to assets | -0.1168% | 6,647 |
| Net operating income to assets | 1.4148% | 1,071 |
| Return on assets (ROA) | 1.4422% | 1,060 |
| Pretax return on assets | 1.5019% | 1,602 |
| Return on Equity (ROE) | 18.8512% | 381 |
| Retained earnings to average equity (ytd only) | 8.5619% | 1,209 |
| Net charge-offs to loans | 0.3024% | 2,019 |
| Credit loss provision to net charge-offs | -55.8416% | 5,726 |
| Earnings coverage of net charge-offs (x) | 6.4831% | 2,963 |
| Efficiency ratio | 81.4377% | 1,908 |
| Assets per employee ($millions) | 2.4373% | 6,520 |
| Cash dividends to net income (ytd only)* | 54.5820% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 3,754 |
| Loan loss allowance to noncurrent loans | 181.0297% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 1.6856% | 2,444 |
| Noncurrent loans to loans | 0.7926% | 4,259 |
| Net loans and leases to total assets | 68.0434% | 2,286 |
| Net loans and leases to deposits | 88.2833% | 1,339 |
| Net loans and leases to core deposits | 89.9158% | 1,973 |
| Total domestic deposits to total assets | 77.0739% | 6,038 |
| Equity capital to assets | 7.4248% | 6,417 |
| Core capital (leverage) ratio | 8.1375% | 6,121 |
| Tier 1 risk-based capital ratio | 12.7521% | 5,296 |
| Total risk-based capital ratio | 13.9839% | 5,248 |
| Memoranda: | ||
| Average total assets | $321,804,750 | 2,004 |
| Average earning assets | $298,941,000 | 1,991 |
| Average equity | $24,620,250 | 2,697 |
| Average total loans | $222,631,000 | 1,839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,871 |
| Cost of funding earning assets | 0.1757% | 6,595 |
| Net interest margin | 3.8855% | 2,257 |
| Noninterest income to average assets | 4.2410% | 178 |
| Noninterest expense to average assets | 6.3246% | 184 |
| Loan and lease loss provision to assets | 0.1362% | 2,622 |
| Net operating income to assets | 1.3329% | 1,238 |
| Return on assets (ROA) | 1.3779% | 1,211 |
| Pretax return on assets | 1.4328% | 1,829 |
| Return on Equity (ROE) | 17.8306% | 473 |
| Retained earnings to average equity (ytd only) | 7.7271% | 1,586 |
| Net charge-offs to loans | 0.1425% | 2,954 |
| Credit loss provision to net charge-offs | 137.9747% | 1,648 |
| Earnings coverage of net charge-offs (x) | 15.4241% | 1,743 |
| Efficiency ratio | 80.4903% | 2,090 |
| Assets per employee ($millions) | 2.3603% | 6,606 |
| Cash dividends to net income (ytd only)* | 56.6636% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 2,338 |
| Loan loss allowance to noncurrent loans | 179.8678% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 2.0315% | 2,124 |
| Noncurrent loans to loans | 1.0164% | 3,902 |
| Net loans and leases to total assets | 67.8032% | 2,285 |
| Net loans and leases to deposits | 87.6819% | 1,382 |
| Net loans and leases to core deposits | 89.5031% | 1,956 |
| Total domestic deposits to total assets | 77.3286% | 6,084 |
| Equity capital to assets | 7.4163% | 6,470 |
| Core capital (leverage) ratio | 8.0015% | 6,184 |
| Tier 1 risk-based capital ratio | 12.9489% | 5,178 |
| Total risk-based capital ratio | 14.2085% | 5,108 |
| Memoranda: | ||
| Average total assets | $320,208,670 | 2,020 |
| Average earning assets | $297,152,670 | 2,002 |
| Average equity | $24,744,000 | 2,689 |
| Average total loans | $221,688,000 | 1,843 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 3,683 |
| Cost of funding earning assets | 0.1775% | 6,686 |
| Net interest margin | 3.9337% | 2,005 |
| Noninterest income to average assets | 4.2418% | 179 |
| Noninterest expense to average assets | 6.4437% | 178 |
| Loan and lease loss provision to assets | 0.2737% | 1,290 |
| Net operating income to assets | 1.1252% | 1,761 |
| Return on assets (ROA) | 1.2252% | 1,564 |
| Pretax return on assets | 1.2729% | 2,323 |
| Return on Equity (ROE) | 15.5380% | 672 |
| Retained earnings to average equity (ytd only) | 5.9860% | 2,682 |
| Net charge-offs to loans | 0.2119% | 2,149 |
| Credit loss provision to net charge-offs | 186.3248% | 1,158 |
| Earnings coverage of net charge-offs (x) | 9.8205% | 1,803 |
| Efficiency ratio | 81.5982% | 2,101 |
| Assets per employee ($millions) | 2.2807% | 6,728 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8595% | 2,422 |
| Loan loss allowance to noncurrent loans | 290.3521% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.9917% | 2,359 |
| Noncurrent loans to loans | 0.6404% | 4,844 |
| Net loans and leases to total assets | 67.6654% | 2,081 |
| Net loans and leases to deposits | 90.0685% | 960 |
| Net loans and leases to core deposits | 93.3065% | 1,393 |
| Total domestic deposits to total assets | 75.1266% | 6,445 |
| Equity capital to assets | 7.8163% | 6,461 |
| Core capital (leverage) ratio | 8.0088% | 6,135 |
| Tier 1 risk-based capital ratio | 12.6748% | 5,446 |
| Total risk-based capital ratio | 13.9347% | 5,393 |
| Memoranda: | ||
| Average total assets | $318,635,500 | 2,054 |
| Average earning assets | $295,191,000 | 2,035 |
| Average equity | $25,125,500 | 2,692 |
| Average total loans | $220,868,000 | 1,861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 4,506 |
| Cost of funding earning assets | 0.3501% | 6,214 |
| Net interest margin | 3.8711% | 2,939 |
| Noninterest income to average assets | 3.9049% | 188 |
| Noninterest expense to average assets | 6.5624% | 174 |
| Loan and lease loss provision to assets | 0.5771% | 965 |
| Net operating income to assets | 0.3286% | 5,368 |
| Return on assets (ROA) | 0.8541% | 3,269 |
| Pretax return on assets | 0.8918% | 3,950 |
| Return on Equity (ROE) | 10.2892% | 2,055 |
| Retained earnings to average equity (ytd only) | 0.8507% | 5,444 |
| Net charge-offs to loans | 0.6103% | 1,913 |
| Credit loss provision to net charge-offs | 145.8805% | 1,871 |
| Earnings coverage of net charge-offs (x) | 2.3296% | 4,250 |
| Efficiency ratio | 87.2257% | 1,305 |
| Assets per employee ($millions) | 2.2231% | 6,818 |
| Cash dividends to net income (ytd only)* | 91.7321% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8285% | 2,499 |
| Loan loss allowance to noncurrent loans | 183.4473% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 2.5151% | 1,939 |
| Noncurrent loans to loans | 0.9968% | 4,200 |
| Net loans and leases to total assets | 68.4187% | 2,116 |
| Net loans and leases to deposits | 87.1883% | 1,364 |
| Net loans and leases to core deposits | 90.5975% | 1,766 |
| Total domestic deposits to total assets | 78.4723% | 5,998 |
| Equity capital to assets | 7.9557% | 6,429 |
| Core capital (leverage) ratio | 8.0114% | 6,181 |
| Tier 1 risk-based capital ratio | 12.3319% | 5,579 |
| Total risk-based capital ratio | 13.5864% | 5,526 |
| Memoranda: | ||
| Average total assets | $312,965,600 | 2,051 |
| Average earning assets | $289,350,200 | 2,048 |
| Average equity | $25,978,600 | 2,570 |
| Average total loans | $202,860,800 | 1,982 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2368% | 4,686 |
| Cost of funding earning assets | 0.3828% | 6,207 |
| Net interest margin | 3.8539% | 3,103 |
| Noninterest income to average assets | 3.8238% | 187 |
| Noninterest expense to average assets | 6.4700% | 179 |
| Loan and lease loss provision to assets | 0.7591% | 647 |
| Net operating income to assets | 0.1495% | 6,034 |
| Return on assets (ROA) | 0.8582% | 3,426 |
| Pretax return on assets | 0.8962% | 4,118 |
| Return on Equity (ROE) | 10.2309% | 2,238 |
| Retained earnings to average equity (ytd only) | 1.1045% | 5,727 |
| Net charge-offs to loans | 0.7520% | 1,474 |
| Credit loss provision to net charge-offs | 158.7500% | 1,765 |
| Earnings coverage of net charge-offs (x) | 1.9179% | 4,301 |
| Efficiency ratio | 87.1171% | 1,288 |
| Assets per employee ($millions) | 2.2329% | 6,902 |
| Cash dividends to net income (ytd only)* | 89.2042% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9414% | 2,356 |
| Loan loss allowance to noncurrent loans | 102.6973% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 3.1293% | 1,656 |
| Noncurrent loans to loans | 1.8904% | 2,973 |
| Net loans and leases to total assets | 65.5045% | 2,738 |
| Net loans and leases to deposits | 85.0465% | 1,722 |
| Net loans and leases to core deposits | 88.6410% | 2,144 |
| Total domestic deposits to total assets | 77.0219% | 6,227 |
| Equity capital to assets | 8.1046% | 6,544 |
| Core capital (leverage) ratio | 8.0236% | 6,308 |
| Tier 1 risk-based capital ratio | 12.5126% | 5,630 |
| Total risk-based capital ratio | 13.7753% | 5,583 |
| Memoranda: | ||
| Average total assets | $312,285,250 | 2,082 |
| Average earning assets | $288,735,500 | 2,070 |
| Average equity | $26,194,500 | 2,569 |
| Average total loans | $198,573,000 | 2,039 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 4,628 |
| Cost of funding earning assets | 0.4276% | 6,115 |
| Net interest margin | 3.8571% | 3,104 |
| Noninterest income to average assets | 3.8051% | 194 |
| Noninterest expense to average assets | 6.4939% | 175 |
| Loan and lease loss provision to assets | 0.6450% | 885 |
| Net operating income to assets | 0.2260% | 5,841 |
| Return on assets (ROA) | 0.4751% | 5,178 |
| Pretax return on assets | 0.4963% | 5,440 |
| Return on Equity (ROE) | 5.5993% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.5993% | 2,933 |
| Net charge-offs to loans | 1.0527% | 1,043 |
| Credit loss provision to net charge-offs | 98.0431% | 2,827 |
| Earnings coverage of net charge-offs (x) | 1.3405% | 4,334 |
| Efficiency ratio | 87.5720% | 1,274 |
| Assets per employee ($millions) | 2.3087% | 6,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 3,093 |
| Loan loss allowance to noncurrent loans | 78.4376% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 3.2971% | 1,642 |
| Noncurrent loans to loans | 2.2124% | 2,700 |
| Net loans and leases to total assets | 62.8532% | 3,261 |
| Net loans and leases to deposits | 80.3530% | 2,337 |
| Net loans and leases to core deposits | 85.4509% | 2,498 |
| Total domestic deposits to total assets | 78.2213% | 6,114 |
| Equity capital to assets | 8.6929% | 6,034 |
| Core capital (leverage) ratio | 8.0867% | 6,178 |
| Tier 1 risk-based capital ratio | 13.2131% | 5,025 |
| Total risk-based capital ratio | 14.4678% | 5,000 |
| Memoranda: | ||
| Average total assets | $310,691,330 | 2,089 |
| Average earning assets | $287,627,000 | 2,075 |
| Average equity | $26,360,330 | 2,544 |
| Average total loans | $194,162,330 | 2,080 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 4,749 |
| Cost of funding earning assets | 0.4426% | 6,195 |
| Net interest margin | 3.8544% | 3,119 |
| Noninterest income to average assets | 3.7000% | 186 |
| Noninterest expense to average assets | 6.0716% | 197 |
| Loan and lease loss provision to assets | 0.6436% | 851 |
| Net operating income to assets | 0.5411% | 4,648 |
| Return on assets (ROA) | 0.7002% | 4,095 |
| Pretax return on assets | 0.7310% | 4,686 |
| Return on Equity (ROE) | 8.3544% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.3544% | 1,836 |
| Net charge-offs to loans | 1.6848% | 573 |
| Credit loss provision to net charge-offs | 61.8519% | 3,075 |
| Earnings coverage of net charge-offs (x) | 1.1617% | 3,755 |
| Efficiency ratio | 82.9187% | 1,813 |
| Assets per employee ($millions) | 2.2236% | 7,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6152% | 3,668 |
| Loan loss allowance to noncurrent loans | 51.6505% | 4,974 |
| Noncurrent assets plus other real estate owned to assets | 3.1627% | 1,829 |
| Noncurrent loans to loans | 3.1272% | 2,049 |
| Net loans and leases to total assets | 59.8272% | 3,708 |
| Net loans and leases to deposits | 76.5219% | 2,725 |
| Net loans and leases to core deposits | 81.6717% | 2,875 |
| Total domestic deposits to total assets | 78.1831% | 6,240 |
| Equity capital to assets | 8.2437% | 6,321 |
| Core capital (leverage) ratio | 8.1164% | 6,136 |
| Tier 1 risk-based capital ratio | 13.4488% | 4,860 |
| Total risk-based capital ratio | 14.7028% | 4,852 |
| Memoranda: | ||
| Average total assets | $311,353,500 | 2,086 |
| Average earning assets | $289,231,500 | 2,069 |
| Average equity | $26,094,000 | 2,562 |
| Average total loans | $192,303,000 | 2,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 5,165 |
| Cost of funding earning assets | 0.5999% | 6,091 |
| Net interest margin | 3.8747% | 3,448 |
| Noninterest income to average assets | 3.4153% | 180 |
| Noninterest expense to average assets | 6.0652% | 201 |
| Loan and lease loss provision to assets | 1.1572% | 774 |
| Net operating income to assets | -0.2652% | 6,312 |
| Return on assets (ROA) | -0.1618% | 6,290 |
| Pretax return on assets | -0.1372% | 6,231 |
| Return on Equity (ROE) | -2.0096% | 6,337 |
| Retained earnings to average equity (ytd only) | -2.0096% | 6,159 |
| Net charge-offs to loans | 1.5706% | 1,008 |
| Credit loss provision to net charge-offs | 119.9081% | 2,660 |
| Earnings coverage of net charge-offs (x) | 0.9498% | 5,089 |
| Efficiency ratio | 86.3434% | 1,515 |
| Assets per employee ($millions) | 2.1008% | 7,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 2,810 |
| Loan loss allowance to noncurrent loans | 58.6418% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 3.1249% | 1,909 |
| Noncurrent loans to loans | 3.1017% | 2,082 |
| Net loans and leases to total assets | 61.6317% | 3,673 |
| Net loans and leases to deposits | 78.8969% | 2,693 |
| Net loans and leases to core deposits | 85.1337% | 2,735 |
| Total domestic deposits to total assets | 78.1168% | 6,171 |
| Equity capital to assets | 8.5260% | 6,113 |
| Core capital (leverage) ratio | 8.0289% | 6,229 |
| Tier 1 risk-based capital ratio | 13.3559% | 4,801 |
| Total risk-based capital ratio | 14.6149% | 4,769 |
| Memoranda: | ||
| Average total assets | $293,031,200 | 2,181 |
| Average earning assets | $269,725,200 | 2,169 |
| Average equity | $23,586,800 | 2,719 |
| Average total loans | $180,056,400 | 2,247 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 5,397 |
| Cost of funding earning assets | 0.6383% | 6,101 |
| Net interest margin | 3.8205% | 3,764 |
| Noninterest income to average assets | 3.1555% | 200 |
| Noninterest expense to average assets | 5.9275% | 208 |
| Loan and lease loss provision to assets | 0.8995% | 992 |
| Net operating income to assets | -0.1954% | 6,384 |
| Return on assets (ROA) | -0.1743% | 6,437 |
| Pretax return on assets | -0.1413% | 6,366 |
| Return on Equity (ROE) | -2.1994% | 6,497 |
| Retained earnings to average equity (ytd only) | -2.1994% | 6,320 |
| Net charge-offs to loans | 1.2980% | 1,190 |
| Credit loss provision to net charge-offs | 113.4182% | 2,884 |
| Earnings coverage of net charge-offs (x) | 0.9294% | 4,928 |
| Efficiency ratio | 88.3819% | 1,306 |
| Assets per employee ($millions) | 2.2485% | 7,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 3,131 |
| Loan loss allowance to noncurrent loans | 42.5825% | 5,465 |
| Noncurrent assets plus other real estate owned to assets | 3.0176% | 2,127 |
| Noncurrent loans to loans | 4.0922% | 1,621 |
| Net loans and leases to total assets | 56.3440% | 4,789 |
| Net loans and leases to deposits | 74.4674% | 3,590 |
| Net loans and leases to core deposits | 80.5158% | 3,563 |
| Total domestic deposits to total assets | 75.6627% | 6,569 |
| Equity capital to assets | 8.8316% | 5,947 |
| Core capital (leverage) ratio | 7.9924% | 6,408 |
| Tier 1 risk-based capital ratio | 13.9356% | 4,400 |
| Total risk-based capital ratio | 15.1930% | 4,360 |
| Memoranda: | ||
| Average total assets | $290,661,500 | 2,204 |
| Average earning assets | $266,972,000 | 2,196 |
| Average equity | $23,035,500 | 2,775 |
| Average total loans | $177,596,500 | 2,292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 5,062 |
| Cost of funding earning assets | 0.6728% | 6,112 |
| Net interest margin | 3.9046% | 3,290 |
| Noninterest income to average assets | 3.2346% | 206 |
| Noninterest expense to average assets | 5.9858% | 196 |
| Loan and lease loss provision to assets | 0.8505% | 1,060 |
| Net operating income to assets | -0.0339% | 6,276 |
| Return on assets (ROA) | 0.0064% | 6,292 |
| Pretax return on assets | 0.0064% | 6,261 |
| Return on Equity (ROE) | 0.0837% | 6,284 |
| Retained earnings to average equity (ytd only) | 0.0837% | 5,801 |
| Net charge-offs to loans | 0.9477% | 1,648 |
| Credit loss provision to net charge-offs | 143.6234% | 2,127 |
| Earnings coverage of net charge-offs (x) | 1.3790% | 4,245 |
| Efficiency ratio | 87.4352% | 1,466 |
| Assets per employee ($millions) | 2.1887% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8797% | 2,728 |
| Loan loss allowance to noncurrent loans | 49.0288% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.0828% | 2,174 |
| Noncurrent loans to loans | 3.8340% | 1,812 |
| Net loans and leases to total assets | 55.8649% | 5,015 |
| Net loans and leases to deposits | 70.3589% | 4,390 |
| Net loans and leases to core deposits | 76.6538% | 4,233 |
| Total domestic deposits to total assets | 79.3999% | 5,979 |
| Equity capital to assets | 7.3181% | 7,026 |
| Core capital (leverage) ratio | 7.6382% | 6,634 |
| Tier 1 risk-based capital ratio | 12.2842% | 5,532 |
| Total risk-based capital ratio | 13.5415% | 5,512 |
| Memoranda: | ||
| Average total assets | $283,369,670 | 2,258 |
| Average earning assets | $258,922,670 | 2,263 |
| Average equity | $21,513,330 | 2,924 |
| Average total loans | $177,055,670 | 2,320 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8747% | 3,707 |
| Cost of funding earning assets | 0.7118% | 6,070 |
| Net interest margin | 4.1628% | 2,021 |
| Noninterest income to average assets | 3.9628% | 164 |
| Noninterest expense to average assets | 6.2622% | 179 |
| Loan and lease loss provision to assets | 1.0317% | 730 |
| Net operating income to assets | 0.4266% | 4,816 |
| Return on assets (ROA) | 0.5408% | 4,392 |
| Pretax return on assets | 0.5686% | 4,805 |
| Return on Equity (ROE) | 6.9827% | 3,389 |
| Retained earnings to average equity (ytd only) | 6.9827% | 2,152 |
| Net charge-offs to loans | 0.8739% | 1,512 |
| Credit loss provision to net charge-offs | 180.0512% | 1,622 |
| Earnings coverage of net charge-offs (x) | 2.5831% | 3,044 |
| Efficiency ratio | 80.3710% | 2,460 |
| Assets per employee ($millions) | 1.9665% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8592% | 2,828 |
| Loan loss allowance to noncurrent loans | 58.7890% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 3.1400% | 2,196 |
| Noncurrent loans to loans | 3.1626% | 2,377 |
| Net loans and leases to total assets | 62.3218% | 3,786 |
| Net loans and leases to deposits | 84.8313% | 1,906 |
| Net loans and leases to core deposits | 89.8659% | 2,368 |
| Total domestic deposits to total assets | 73.4656% | 6,956 |
| Equity capital to assets | 7.8969% | 6,599 |
| Core capital (leverage) ratio | 7.5971% | 6,660 |
| Tier 1 risk-based capital ratio | 12.3055% | 5,432 |
| Total risk-based capital ratio | 13.5450% | 5,434 |
| Memoranda: | ||
| Average total assets | $272,938,500 | 2,362 |
| Average earning assets | $247,812,000 | 2,372 |
| Average equity | $21,138,000 | 2,970 |
| Average total loans | $178,976,000 | 2,320 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0756% | 4,202 |
| Cost of funding earning assets | 0.9376% | 5,995 |
| Net interest margin | 4.1381% | 2,416 |
| Noninterest income to average assets | 3.4980% | 195 |
| Noninterest expense to average assets | 6.4222% | 189 |
| Loan and lease loss provision to assets | 0.6613% | 2,496 |
| Net operating income to assets | 0.0973% | 5,595 |
| Return on assets (ROA) | 0.3188% | 5,035 |
| Pretax return on assets | 0.3283% | 5,155 |
| Return on Equity (ROE) | 4.0975% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.0975% | 2,988 |
| Net charge-offs to loans | 0.9141% | 2,359 |
| Credit loss provision to net charge-offs | 110.8140% | 3,970 |
| Earnings coverage of net charge-offs (x) | 1.2757% | 4,826 |
| Efficiency ratio | 88.8691% | 1,406 |
| Assets per employee ($millions) | 1.9749% | 7,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 3,748 |
| Loan loss allowance to noncurrent loans | 63.9805% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.7621% | 2,535 |
| Noncurrent loans to loans | 2.4334% | 3,085 |
| Net loans and leases to total assets | 66.5686% | 3,339 |
| Net loans and leases to deposits | 91.5377% | 1,321 |
| Net loans and leases to core deposits | 96.9607% | 1,897 |
| Total domestic deposits to total assets | 72.7225% | 7,024 |
| Equity capital to assets | 7.5940% | 6,822 |
| Core capital (leverage) ratio | 7.4807% | 6,720 |
| Tier 1 risk-based capital ratio | 11.6827% | 5,740 |
| Total risk-based capital ratio | 12.8586% | 5,823 |
| Memoranda: | ||
| Average total assets | $282,021,200 | 2,275 |
| Average earning assets | $251,179,800 | 2,330 |
| Average equity | $21,940,200 | 2,884 |
| Average total loans | $184,108,800 | 2,308 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 4,163 |
| Cost of funding earning assets | 0.9795% | 6,039 |
| Net interest margin | 4.1518% | 2,400 |
| Noninterest income to average assets | 3.3152% | 198 |
| Noninterest expense to average assets | 5.7127% | 245 |
| Loan and lease loss provision to assets | 0.6608% | 2,315 |
| Net operating income to assets | 0.6046% | 3,862 |
| Return on assets (ROA) | 0.9017% | 2,752 |
| Pretax return on assets | 0.9360% | 3,427 |
| Return on Equity (ROE) | 11.5241% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.5241% | 522 |
| Net charge-offs to loans | 0.8715% | 2,266 |
| Credit loss provision to net charge-offs | 117.1524% | 3,542 |
| Earnings coverage of net charge-offs (x) | 2.2823% | 4,026 |
| Efficiency ratio | 81.0668% | 2,193 |
| Assets per employee ($millions) | 2.0272% | 7,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,762 |
| Loan loss allowance to noncurrent loans | 78.8904% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 2.7942% | 2,597 |
| Noncurrent loans to loans | 1.9560% | 3,739 |
| Net loans and leases to total assets | 65.0686% | 3,895 |
| Net loans and leases to deposits | 94.7339% | 1,119 |
| Net loans and leases to core deposits | 102.5806% | 1,592 |
| Total domestic deposits to total assets | 68.6856% | 7,345 |
| Equity capital to assets | 8.2364% | 6,569 |
| Core capital (leverage) ratio | 7.8379% | 6,535 |
| Tier 1 risk-based capital ratio | 11.4096% | 6,012 |
| Total risk-based capital ratio | 12.6632% | 5,998 |
| Memoranda: | ||
| Average total assets | $283,900,250 | 2,288 |
| Average earning assets | $251,963,000 | 2,352 |
| Average equity | $22,213,750 | 2,898 |
| Average total loans | $183,730,000 | 2,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1963% | 3,979 |
| Cost of funding earning assets | 1.0771% | 5,799 |
| Net interest margin | 4.1192% | 2,473 |
| Noninterest income to average assets | 3.0785% | 216 |
| Noninterest expense to average assets | 5.2780% | 310 |
| Loan and lease loss provision to assets | 0.5846% | 2,439 |
| Net operating income to assets | 0.8230% | 2,863 |
| Return on assets (ROA) | 1.1213% | 1,847 |
| Pretax return on assets | 1.1664% | 2,529 |
| Return on Equity (ROE) | 14.5884% | 927 |
| Retained earnings to average equity (ytd only) | 14.5884% | 271 |
| Net charge-offs to loans | 0.8571% | 2,117 |
| Credit loss provision to net charge-offs | 106.1538% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.6154% | 3,689 |
| Efficiency ratio | 77.9926% | 2,728 |
| Assets per employee ($millions) | 1.9373% | 7,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 3,948 |
| Loan loss allowance to noncurrent loans | 58.5972% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 3.0920% | 2,295 |
| Noncurrent loans to loans | 2.5573% | 3,095 |
| Net loans and leases to total assets | 65.4171% | 3,956 |
| Net loans and leases to deposits | 91.2767% | 1,655 |
| Net loans and leases to core deposits | 98.6253% | 2,165 |
| Total domestic deposits to total assets | 71.6690% | 7,210 |
| Equity capital to assets | 8.4173% | 6,272 |
| Core capital (leverage) ratio | 7.5077% | 6,819 |
| Tier 1 risk-based capital ratio | 10.9136% | 6,325 |
| Total risk-based capital ratio | 12.1651% | 6,314 |
| Memoranda: | ||
| Average total assets | $283,253,670 | 2,310 |
| Average earning assets | $250,292,000 | 2,390 |
| Average equity | $21,770,670 | 2,942 |
| Average total loans | $182,004,330 | 2,403 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1494% | 4,301 |
| Cost of funding earning assets | 1.1623% | 5,590 |
| Net interest margin | 3.9871% | 2,932 |
| Noninterest income to average assets | 2.7951% | 228 |
| Noninterest expense to average assets | 5.1222% | 336 |
| Loan and lease loss provision to assets | 0.7012% | 1,814 |
| Net operating income to assets | 0.4633% | 4,558 |
| Return on assets (ROA) | 0.6300% | 3,886 |
| Pretax return on assets | 0.6509% | 4,412 |
| Return on Equity (ROE) | 8.5919% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.5919% | 1,510 |
| Net charge-offs to loans | 0.5016% | 2,561 |
| Credit loss provision to net charge-offs | 221.1454% | 1,703 |
| Earnings coverage of net charge-offs (x) | 3.7225% | 2,812 |
| Efficiency ratio | 80.6738% | 2,460 |
| Assets per employee ($millions) | 2.0736% | 7,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6316% | 3,320 |
| Loan loss allowance to noncurrent loans | 87.6065% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 2.4105% | 3,020 |
| Noncurrent loans to loans | 1.8624% | 3,979 |
| Net loans and leases to total assets | 61.5097% | 4,854 |
| Net loans and leases to deposits | 82.8202% | 3,137 |
| Net loans and leases to core deposits | 90.4625% | 3,304 |
| Total domestic deposits to total assets | 74.2690% | 7,011 |
| Equity capital to assets | 7.2610% | 7,239 |
| Core capital (leverage) ratio | 6.9947% | 7,255 |
| Tier 1 risk-based capital ratio | 10.3468% | 6,762 |
| Total risk-based capital ratio | 11.6060% | 6,754 |
| Memoranda: | ||
| Average total assets | $286,362,500 | 2,339 |
| Average earning assets | $251,911,500 | 2,427 |
| Average equity | $20,996,500 | 3,065 |
| Average total loans | $181,013,500 | 2,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 5,132 |
| Cost of funding earning assets | 1.1400% | 6,852 |
| Net interest margin | 4.1689% | 2,187 |
| Noninterest income to average assets | 2.3502% | 300 |
| Noninterest expense to average assets | 4.9134% | 557 |
| Loan and lease loss provision to assets | 1.4995% | 1,536 |
| Net operating income to assets | -0.2545% | 5,903 |
| Return on assets (ROA) | -0.4055% | 6,078 |
| Pretax return on assets | -0.4055% | 5,923 |
| Return on Equity (ROE) | -5.3056% | 6,239 |
| Retained earnings to average equity (ytd only) | -5.7910% | 6,117 |
| Net charge-offs to loans | 1.7831% | 1,406 |
| Credit loss provision to net charge-offs | 122.6335% | 4,313 |
| Earnings coverage of net charge-offs (x) | 1.0182% | 5,098 |
| Efficiency ratio | 79.2530% | 2,998 |
| Assets per employee ($millions) | 2.0921% | 7,664 |
| Cash dividends to net income (ytd only)* | -9.1491% | 7,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,660 |
| Loan loss allowance to noncurrent loans | 61.2254% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 2.6054% | 2,696 |
| Noncurrent loans to loans | 2.4682% | 3,083 |
| Net loans and leases to total assets | 62.9560% | 4,828 |
| Net loans and leases to deposits | 77.2485% | 4,518 |
| Net loans and leases to core deposits | 86.5042% | 5,472 |
| Total domestic deposits to total assets | 81.4980% | 5,155 |
| Equity capital to assets | 7.4063% | 7,115 |
| Core capital (leverage) ratio | 7.2338% | 7,044 |
| Tier 1 risk-based capital ratio | 10.7342% | 6,173 |
| Total risk-based capital ratio | 11.9112% | 6,217 |
| Memoranda: | ||
| Average total assets | $269,549,400 | 2,423 |
| Average earning assets | $246,228,200 | 2,440 |
| Average equity | $20,600,800 | 3,124 |
| Average total loans | $184,851,400 | 2,460 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3074% | 5,386 |
| Cost of funding earning assets | 1.0716% | 7,238 |
| Net interest margin | 4.2358% | 1,924 |
| Noninterest income to average assets | 2.3863% | 286 |
| Noninterest expense to average assets | 4.8076% | 561 |
| Loan and lease loss provision to assets | 1.6448% | 1,141 |
| Net operating income to assets | -0.1774% | 6,025 |
| Return on assets (ROA) | -0.3742% | 6,285 |
| Pretax return on assets | -0.3742% | 6,167 |
| Return on Equity (ROE) | -4.8571% | 6,434 |
| Retained earnings to average equity (ytd only) | -5.5056% | 6,316 |
| Net charge-offs to loans | 1.8969% | 1,059 |
| Credit loss provision to net charge-offs | 124.2264% | 4,055 |
| Earnings coverage of net charge-offs (x) | 1.1083% | 4,956 |
| Efficiency ratio | 76.0889% | 3,498 |
| Assets per employee ($millions) | 2.1161% | 7,700 |
| Cash dividends to net income (ytd only)* | -13.3512% | 7,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 3,704 |
| Loan loss allowance to noncurrent loans | 65.6006% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.2110% | 3,083 |
| Noncurrent loans to loans | 2.2064% | 3,370 |
| Net loans and leases to total assets | 62.0913% | 5,226 |
| Net loans and leases to deposits | 77.9516% | 4,744 |
| Net loans and leases to core deposits | 88.6463% | 5,573 |
| Total domestic deposits to total assets | 79.6537% | 5,576 |
| Equity capital to assets | 7.3246% | 7,415 |
| Core capital (leverage) ratio | 7.6361% | 6,818 |
| Tier 1 risk-based capital ratio | 11.1853% | 5,775 |
| Total risk-based capital ratio | 12.4369% | 5,716 |
| Memoranda: | ||
| Average total assets | $266,851,250 | 2,458 |
| Average earning assets | $244,984,250 | 2,469 |
| Average equity | $20,560,250 | 3,162 |
| Average total loans | $186,264,250 | 2,469 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5197% | 4,512 |
| Cost of funding earning assets | 1.0273% | 7,496 |
| Net interest margin | 4.4924% | 1,181 |
| Noninterest income to average assets | 2.5060% | 263 |
| Noninterest expense to average assets | 4.7072% | 637 |
| Loan and lease loss provision to assets | 1.9510% | 836 |
| Net operating income to assets | -0.0576% | 5,934 |
| Return on assets (ROA) | -0.3500% | 6,405 |
| Pretax return on assets | -0.3500% | 6,282 |
| Return on Equity (ROE) | -4.4621% | 6,544 |
| Retained earnings to average equity (ytd only) | -5.4406% | 6,365 |
| Net charge-offs to loans | 2.1395% | 862 |
| Credit loss provision to net charge-offs | 126.1538% | 3,683 |
| Earnings coverage of net charge-offs (x) | 1.2243% | 4,617 |
| Efficiency ratio | 70.8023% | 4,624 |
| Assets per employee ($millions) | 1.8970% | 7,919 |
| Cash dividends to net income (ytd only)* | -21.9298% | 7,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 4,151 |
| Loan loss allowance to noncurrent loans | 51.7664% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0134% | 3,180 |
| Noncurrent loans to loans | 2.5528% | 2,839 |
| Net loans and leases to total assets | 70.5420% | 3,567 |
| Net loans and leases to deposits | 90.3324% | 2,784 |
| Net loans and leases to core deposits | 102.6421% | 4,215 |
| Total domestic deposits to total assets | 78.0916% | 6,052 |
| Equity capital to assets | 7.5738% | 7,205 |
| Core capital (leverage) ratio | 8.1234% | 6,118 |
| Tier 1 risk-based capital ratio | 10.9146% | 5,968 |
| Total risk-based capital ratio | 12.1652% | 5,905 |
| Memoranda: | ||
| Average total assets | $260,579,000 | 2,539 |
| Average earning assets | $237,513,000 | 2,545 |
| Average equity | $20,439,000 | 3,179 |
| Average total loans | $188,359,000 | 2,473 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6543% | 4,023 |
| Cost of funding earning assets | 1.0193% | 7,644 |
| Net interest margin | 4.6350% | 888 |
| Noninterest income to average assets | 2.5712% | 243 |
| Noninterest expense to average assets | 5.1192% | 444 |
| Loan and lease loss provision to assets | 0.8802% | 1,489 |
| Net operating income to assets | 0.7521% | 3,342 |
| Return on assets (ROA) | 0.8416% | 3,091 |
| Pretax return on assets | 0.9173% | 3,652 |
| Return on Equity (ROE) | 10.5452% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.5452% | 1,065 |
| Net charge-offs to loans | -0.0064% | 7,207 |
| Credit loss provision to net charge-offs | -19,000.0000% | 6,804 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5924% | 3,718 |
| Assets per employee ($millions) | 1.9987% | 7,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 3,881 |
| Loan loss allowance to noncurrent loans | 108.1450% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 4,836 |
| Noncurrent loans to loans | 1.2348% | 4,502 |
| Net loans and leases to total assets | 72.1102% | 3,221 |
| Net loans and leases to deposits | 98.3698% | 1,614 |
| Net loans and leases to core deposits | 114.5773% | 2,947 |
| Total domestic deposits to total assets | 73.3052% | 7,003 |
| Equity capital to assets | 7.5733% | 7,291 |
| Core capital (leverage) ratio | 8.5418% | 5,448 |
| Tier 1 risk-based capital ratio | 11.3850% | 5,519 |
| Total risk-based capital ratio | 12.6356% | 5,419 |
| Memoranda: | ||
| Average total assets | $259,026,500 | 2,560 |
| Average earning assets | $237,412,000 | 2,556 |
| Average equity | $20,673,000 | 3,155 |
| Average total loans | $188,289,000 | 2,491 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3141% | 3,884 |
| Cost of funding earning assets | 1.4793% | 7,642 |
| Net interest margin | 4.8348% | 726 |
| Noninterest income to average assets | 2.5350% | 248 |
| Noninterest expense to average assets | 5.0104% | 621 |
| Loan and lease loss provision to assets | 0.3076% | 3,909 |
| Net operating income to assets | 1.5632% | 899 |
| Return on assets (ROA) | 1.5632% | 872 |
| Pretax return on assets | 1.6352% | 1,296 |
| Return on Equity (ROE) | 17.2642% | 606 |
| Retained earnings to average equity (ytd only) | 0.7336% | 4,791 |
| Net charge-offs to loans | 0.2202% | 4,022 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 12.6335% | 2,227 |
| Efficiency ratio | 71.5493% | 4,023 |
| Assets per employee ($millions) | 2.1166% | 7,805 |
| Cash dividends to net income (ytd only)* | 95.7507% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,612 |
| Loan loss allowance to noncurrent loans | 118.8976% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6793% | 5,189 |
| Noncurrent loans to loans | 0.8844% | 4,851 |
| Net loans and leases to total assets | 71.5332% | 3,683 |
| Net loans and leases to deposits | 104.8332% | 1,258 |
| Net loans and leases to core deposits | 123.6763% | 2,344 |
| Total domestic deposits to total assets | 68.2352% | 7,445 |
| Equity capital to assets | 8.3913% | 6,271 |
| Core capital (leverage) ratio | 8.3914% | 5,784 |
| Tier 1 risk-based capital ratio | 10.8580% | 5,857 |
| Total risk-based capital ratio | 11.8576% | 5,992 |
| Memoranda: | ||
| Average total assets | $248,404,400 | 2,574 |
| Average earning assets | $227,000,200 | 2,580 |
| Average equity | $22,491,600 | 2,911 |
| Average total loans | $173,500,800 | 2,575 |