Home > Crossroads Bank > Performance and Condition Ratios
Crossroads Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7076% | 1,649 |
| Cost of funding earning assets | 1.6931% | 2,743 |
| Net interest margin | 4.0144% | 1,257 |
| Noninterest income to average assets | 0.6000% | 1,343 |
| Noninterest expense to average assets | 2.3547% | 2,701 |
| Loan and lease loss provision to assets | 0.2000% | 589 |
| Net operating income to assets | 1.8189% | 617 |
| Return on assets (ROA) | 1.8189% | 612 |
| Pretax return on assets | 1.8189% | 924 |
| Return on Equity (ROE) | 26.7800% | 160 |
| Retained earnings to average equity (ytd only) | 16.4579% | 311 |
| Net charge-offs to loans | 0.2585% | 447 |
| Credit loss provision to net charge-offs | 129.7710% | 1,103 |
| Earnings coverage of net charge-offs (x) | 12.9466% | 1,611 |
| Efficiency ratio | 53.8880% | 3,609 |
| Assets per employee ($millions) | 7.0943% | 2,155 |
| Cash dividends to net income (ytd only)* | 38.5369% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 2,220 |
| Loan loss allowance to noncurrent loans | 50.5511% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 387 |
| Noncurrent loans to loans | 2.3607% | 331 |
| Net loans and leases to total assets | 59.1100% | 2,954 |
| Net loans and leases to deposits | 64.0308% | 3,264 |
| Net loans and leases to core deposits | 71.8823% | 3,202 |
| Total domestic deposits to total assets | 92.3100% | 225 |
| Equity capital to assets | 7.1443% | 3,987 |
| Core capital (leverage) ratio | 11.1972% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $336,693,000 | 2,315 |
| Average earning assets | $315,861,500 | 2,294 |
| Average equity | $22,870,500 | 2,833 |
| Average total loans | $202,692,500 | 2,401 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5216% | 2,090 |
| Cost of funding earning assets | 1.6125% | 3,152 |
| Net interest margin | 3.9091% | 1,341 |
| Noninterest income to average assets | 0.6300% | 1,401 |
| Noninterest expense to average assets | 2.3400% | 2,751 |
| Loan and lease loss provision to assets | 0.1500% | 931 |
| Net operating income to assets | 1.7933% | 554 |
| Return on assets (ROA) | 1.7543% | 593 |
| Pretax return on assets | 1.7543% | 892 |
| Return on Equity (ROE) | 26.4800% | 154 |
| Retained earnings to average equity (ytd only) | 9.4854% | 687 |
| Net charge-offs to loans | 0.0941% | 1,228 |
| Credit loss provision to net charge-offs | 269.4444% | 944 |
| Earnings coverage of net charge-offs (x) | 35.1111% | 1,429 |
| Efficiency ratio | 54.6205% | 3,674 |
| Assets per employee ($millions) | 6.9346% | 2,205 |
| Cash dividends to net income (ytd only)* | 64.1767% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 2,240 |
| Loan loss allowance to noncurrent loans | 42.2242% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.7046% | 275 |
| Noncurrent loans to loans | 2.8090% | 222 |
| Net loans and leases to total assets | 59.8700% | 2,949 |
| Net loans and leases to deposits | 64.4554% | 3,316 |
| Net loans and leases to core deposits | 71.5661% | 3,281 |
| Total domestic deposits to total assets | 92.8800% | 176 |
| Equity capital to assets | 6.4330% | 4,110 |
| Core capital (leverage) ratio | 10.9281% | 2,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $325,090,600 | 2,331 |
| Average earning assets | $303,755,000 | 2,319 |
| Average equity | $21,538,400 | 2,867 |
| Average total loans | $191,189,000 | 2,429 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 2,269 |
| Cost of funding earning assets | 1.5658% | 3,237 |
| Net interest margin | 3.8318% | 1,408 |
| Noninterest income to average assets | 0.6400% | 1,336 |
| Noninterest expense to average assets | 2.1748% | 3,150 |
| Loan and lease loss provision to assets | 0.1500% | 844 |
| Net operating income to assets | 1.8963% | 506 |
| Return on assets (ROA) | 1.8443% | 553 |
| Pretax return on assets | 1.8443% | 817 |
| Return on Equity (ROE) | 27.6300% | 147 |
| Retained earnings to average equity (ytd only) | 13.1044% | 378 |
| Net charge-offs to loans | 0.0884% | 1,061 |
| Credit loss provision to net charge-offs | 284.0000% | 879 |
| Earnings coverage of net charge-offs (x) | 39.6480% | 1,343 |
| Efficiency ratio | 51.5400% | 3,895 |
| Assets per employee ($millions) | 7.0018% | 2,142 |
| Cash dividends to net income (ytd only)* | 52.5727% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,341 |
| Loan loss allowance to noncurrent loans | 40.6349% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6966% | 273 |
| Noncurrent loans to loans | 2.8953% | 214 |
| Net loans and leases to total assets | 57.9100% | 3,105 |
| Net loans and leases to deposits | 63.0074% | 3,426 |
| Net loans and leases to core deposits | 69.6570% | 3,409 |
| Total domestic deposits to total assets | 91.9100% | 192 |
| Equity capital to assets | 7.5022% | 3,963 |
| Core capital (leverage) ratio | 11.4069% | 1,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $323,147,750 | 2,334 |
| Average earning assets | $301,783,250 | 2,327 |
| Average equity | $21,569,750 | 2,861 |
| Average total loans | $188,568,250 | 2,447 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3354% | 2,293 |
| Cost of funding earning assets | 1.5199% | 3,247 |
| Net interest margin | 3.8155% | 1,401 |
| Noninterest income to average assets | 0.5600% | 1,597 |
| Noninterest expense to average assets | 2.1616% | 3,176 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 1.8141% | 572 |
| Return on assets (ROA) | 1.8135% | 574 |
| Pretax return on assets | 1.8135% | 832 |
| Return on Equity (ROE) | 28.4100% | 150 |
| Retained earnings to average equity (ytd only) | 10.8180% | 726 |
| Net charge-offs to loans | 0.0990% | 874 |
| Credit loss provision to net charge-offs | 222.8261% | 954 |
| Earnings coverage of net charge-offs (x) | 33.9891% | 1,329 |
| Efficiency ratio | 52.4266% | 3,868 |
| Assets per employee ($millions) | 6.6189% | 2,319 |
| Cash dividends to net income (ytd only)* | 61.9163% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 2,394 |
| Loan loss allowance to noncurrent loans | 40.7407% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.6997% | 255 |
| Noncurrent loans to loans | 2.8745% | 202 |
| Net loans and leases to total assets | 58.4400% | 3,091 |
| Net loans and leases to deposits | 62.9004% | 3,423 |
| Net loans and leases to core deposits | 69.3043% | 3,401 |
| Total domestic deposits to total assets | 92.9000% | 156 |
| Equity capital to assets | 6.5365% | 4,094 |
| Core capital (leverage) ratio | 11.3415% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $318,834,333 | 2,342 |
| Average earning assets | $298,047,000 | 2,336 |
| Average equity | $20,355,000 | 2,912 |
| Average total loans | $185,777,667 | 2,456 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2703% | 2,251 |
| Cost of funding earning assets | 1.4568% | 3,299 |
| Net interest margin | 3.8135% | 1,348 |
| Noninterest income to average assets | 0.5600% | 1,518 |
| Noninterest expense to average assets | 2.2530% | 2,930 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 1.8197% | 558 |
| Return on assets (ROA) | 1.8197% | 567 |
| Pretax return on assets | 1.8197% | 816 |
| Return on Equity (ROE) | 28.8500% | 157 |
| Retained earnings to average equity (ytd only) | 1.0522% | 3,495 |
| Net charge-offs to loans | -0.0022% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 54.6476% | 3,714 |
| Assets per employee ($millions) | 6.6348% | 2,348 |
| Cash dividends to net income (ytd only)* | 96.3524% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 2,535 |
| Loan loss allowance to noncurrent loans | 41.4169% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.6133% | 263 |
| Noncurrent loans to loans | 2.7813% | 191 |
| Net loans and leases to total assets | 57.3400% | 3,095 |
| Net loans and leases to deposits | 61.4263% | 3,430 |
| Net loans and leases to core deposits | 67.2940% | 3,467 |
| Total domestic deposits to total assets | 93.3500% | 159 |
| Equity capital to assets | 6.1698% | 4,162 |
| Core capital (leverage) ratio | 10.9509% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $319,397,500 | 2,351 |
| Average earning assets | $298,731,500 | 2,345 |
| Average equity | $20,149,000 | 2,941 |
| Average total loans | $184,737,500 | 2,456 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8900% | 2,299 |
| Cost of funding earning assets | 1.2007% | 2,802 |
| Net interest margin | 3.6892% | 1,781 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.1462% | 3,268 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 1.7041% | 731 |
| Return on assets (ROA) | 1.7044% | 696 |
| Pretax return on assets | 1.7044% | 1,057 |
| Return on Equity (ROE) | 29.9300% | 184 |
| Retained earnings to average equity (ytd only) | 12.8788% | 520 |
| Net charge-offs to loans | 0.3599% | 300 |
| Credit loss provision to net charge-offs | 80.2469% | 2,020 |
| Earnings coverage of net charge-offs (x) | 9.1713% | 2,308 |
| Efficiency ratio | 53.4722% | 3,714 |
| Assets per employee ($millions) | 6.6735% | 2,289 |
| Cash dividends to net income (ytd only)* | 56.9690% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 2,662 |
| Loan loss allowance to noncurrent loans | 43.3077% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.5044% | 251 |
| Noncurrent loans to loans | 2.6085% | 181 |
| Net loans and leases to total assets | 57.0200% | 3,121 |
| Net loans and leases to deposits | 61.3376% | 3,449 |
| Net loans and leases to core deposits | 67.9561% | 3,408 |
| Total domestic deposits to total assets | 92.9600% | 181 |
| Equity capital to assets | 6.4462% | 4,134 |
| Core capital (leverage) ratio | 10.9436% | 1,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $318,241,600 | 2,329 |
| Average earning assets | $298,652,200 | 2,312 |
| Average equity | $18,122,800 | 2,999 |
| Average total loans | $180,066,600 | 2,444 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7674% | 2,335 |
| Cost of funding earning assets | 1.1118% | 2,710 |
| Net interest margin | 3.6557% | 1,872 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 1.9568% | 3,694 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 1.8557% | 595 |
| Return on assets (ROA) | 1.8565% | 586 |
| Pretax return on assets | 1.8565% | 918 |
| Return on Equity (ROE) | 33.7200% | 172 |
| Retained earnings to average equity (ytd only) | 19.8952% | 263 |
| Net charge-offs to loans | 0.4062% | 208 |
| Credit loss provision to net charge-offs | 82.5688% | 1,749 |
| Earnings coverage of net charge-offs (x) | 8.9394% | 2,178 |
| Efficiency ratio | 48.9040% | 3,988 |
| Assets per employee ($millions) | 7.0348% | 1,937 |
| Cash dividends to net income (ytd only)* | 41.0036% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 2,652 |
| Loan loss allowance to noncurrent loans | 43.4248% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5422% | 238 |
| Noncurrent loans to loans | 2.6342% | 180 |
| Net loans and leases to total assets | 57.8800% | 3,036 |
| Net loans and leases to deposits | 62.5549% | 3,371 |
| Net loans and leases to core deposits | 68.8938% | 3,273 |
| Total domestic deposits to total assets | 92.5200% | 370 |
| Equity capital to assets | 5.2356% | 4,203 |
| Core capital (leverage) ratio | 10.9976% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $317,720,500 | 2,335 |
| Average earning assets | $298,378,500 | 2,316 |
| Average equity | $17,491,250 | 3,039 |
| Average total loans | $178,898,250 | 2,461 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6226% | 2,366 |
| Cost of funding earning assets | 1.0151% | 2,550 |
| Net interest margin | 3.6075% | 2,023 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 1.8849% | 3,852 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.8918% | 568 |
| Return on assets (ROA) | 1.8931% | 560 |
| Pretax return on assets | 1.8931% | 881 |
| Return on Equity (ROE) | 33.8400% | 162 |
| Retained earnings to average equity (ytd only) | 19.7224% | 256 |
| Net charge-offs to loans | 0.1064% | 654 |
| Credit loss provision to net charge-offs | 361.7021% | 774 |
| Earnings coverage of net charge-offs (x) | 35.6277% | 1,470 |
| Efficiency ratio | 47.2349% | 4,108 |
| Assets per employee ($millions) | 7.1163% | 1,833 |
| Cash dividends to net income (ytd only)* | 41.7137% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 1,709 |
| Loan loss allowance to noncurrent loans | 48.4449% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5863% | 218 |
| Noncurrent loans to loans | 2.7875% | 159 |
| Net loans and leases to total assets | 56.1400% | 3,114 |
| Net loans and leases to deposits | 60.8908% | 3,366 |
| Net loans and leases to core deposits | 66.7624% | 3,307 |
| Total domestic deposits to total assets | 92.2000% | 376 |
| Equity capital to assets | 5.7358% | 4,221 |
| Core capital (leverage) ratio | 10.6986% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $318,105,667 | 2,336 |
| Average earning assets | $299,485,667 | 2,319 |
| Average equity | $17,797,000 | 3,036 |
| Average total loans | $176,753,000 | 2,476 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 2,287 |
| Cost of funding earning assets | 0.9123% | 2,332 |
| Net interest margin | 3.6010% | 2,125 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 1.9606% | 3,711 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.8988% | 572 |
| Return on assets (ROA) | 1.8988% | 567 |
| Pretax return on assets | 1.8988% | 910 |
| Return on Equity (ROE) | 34.3800% | 168 |
| Retained earnings to average equity (ytd only) | 16.1951% | 673 |
| Net charge-offs to loans | 0.1241% | 524 |
| Credit loss provision to net charge-offs | 185.1852% | 860 |
| Earnings coverage of net charge-offs (x) | 29.7222% | 1,308 |
| Efficiency ratio | 49.1928% | 4,009 |
| Assets per employee ($millions) | 7.2018% | 1,820 |
| Cash dividends to net income (ytd only)* | 52.8904% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,146 |
| Loan loss allowance to noncurrent loans | 44.4466% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 1.6053% | 186 |
| Noncurrent loans to loans | 2.8719% | 160 |
| Net loans and leases to total assets | 55.1800% | 3,099 |
| Net loans and leases to deposits | 59.7795% | 3,345 |
| Net loans and leases to core deposits | 65.5050% | 3,262 |
| Total domestic deposits to total assets | 92.3100% | 441 |
| Equity capital to assets | 5.6873% | 4,291 |
| Core capital (leverage) ratio | 10.3237% | 2,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $317,041,000 | 2,375 |
| Average earning assets | $299,029,000 | 2,348 |
| Average equity | $17,511,500 | 3,089 |
| Average total loans | $174,007,500 | 2,515 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 1,854 |
| Cost of funding earning assets | 0.5032% | 1,365 |
| Net interest margin | 3.4472% | 2,109 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.9909% | 3,601 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.6794% | 558 |
| Return on assets (ROA) | 1.6794% | 535 |
| Pretax return on assets | 1.6794% | 972 |
| Return on Equity (ROE) | 26.2600% | 173 |
| Retained earnings to average equity (ytd only) | 14.0651% | 377 |
| Net charge-offs to loans | 0.0528% | 1,142 |
| Credit loss provision to net charge-offs | 613.4146% | 592 |
| Earnings coverage of net charge-offs (x) | 70.1707% | 1,157 |
| Efficiency ratio | 51.9659% | 3,981 |
| Assets per employee ($millions) | 7.2092% | 1,817 |
| Cash dividends to net income (ytd only)* | 46.4293% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 1,912 |
| Loan loss allowance to noncurrent loans | 47.5628% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4681% | 220 |
| Noncurrent loans to loans | 2.7252% | 166 |
| Net loans and leases to total assets | 53.1700% | 3,268 |
| Net loans and leases to deposits | 57.4486% | 3,492 |
| Net loans and leases to core deposits | 65.6439% | 3,155 |
| Total domestic deposits to total assets | 92.5600% | 504 |
| Equity capital to assets | 5.3597% | 4,276 |
| Core capital (leverage) ratio | 10.1025% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $312,675,000 | 2,390 |
| Average earning assets | $296,476,600 | 2,356 |
| Average equity | $19,999,800 | 2,951 |
| Average total loans | $155,331,800 | 2,590 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 1,698 |
| Cost of funding earning assets | 0.4075% | 1,237 |
| Net interest margin | 3.4101% | 1,944 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.8698% | 3,820 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.7500% | 471 |
| Return on assets (ROA) | 1.7500% | 461 |
| Pretax return on assets | 1.7500% | 811 |
| Return on Equity (ROE) | 26.2700% | 157 |
| Retained earnings to average equity (ytd only) | 17.6771% | 177 |
| Net charge-offs to loans | 0.0405% | 1,088 |
| Credit loss provision to net charge-offs | 908.6957% | 430 |
| Earnings coverage of net charge-offs (x) | 97.9783% | 961 |
| Efficiency ratio | 49.2226% | 4,205 |
| Assets per employee ($millions) | 7.3339% | 1,721 |
| Cash dividends to net income (ytd only)* | 32.7219% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 1,933 |
| Loan loss allowance to noncurrent loans | 46.7112% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.4704% | 233 |
| Noncurrent loans to loans | 2.8292% | 174 |
| Net loans and leases to total assets | 51.2900% | 3,359 |
| Net loans and leases to deposits | 55.8883% | 3,488 |
| Net loans and leases to core deposits | 59.6426% | 3,409 |
| Total domestic deposits to total assets | 91.7700% | 950 |
| Equity capital to assets | 4.6649% | 4,361 |
| Core capital (leverage) ratio | 10.3128% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $311,543,000 | 2,410 |
| Average earning assets | $295,779,500 | 2,377 |
| Average equity | $20,749,500 | 2,927 |
| Average total loans | $151,443,000 | 2,624 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 1,436 |
| Cost of funding earning assets | 0.3945% | 952 |
| Net interest margin | 3.3490% | 1,762 |
| Noninterest income to average assets | 0.5634% | 1,887 |
| Noninterest expense to average assets | 1.8500% | 3,838 |
| Loan and lease loss provision to assets | 0.2694% | 257 |
| Net operating income to assets | 1.6289% | 512 |
| Return on assets (ROA) | 1.6289% | 502 |
| Pretax return on assets | 1.6289% | 883 |
| Return on Equity (ROE) | 22.2033% | 189 |
| Retained earnings to average equity (ytd only) | 15.4554% | 227 |
| Net charge-offs to loans | 0.0204% | 1,327 |
| Credit loss provision to net charge-offs | 2,786.6667% | 192 |
| Earnings coverage of net charge-offs (x) | 196.3333% | 544 |
| Efficiency ratio | 49.3551% | 4,292 |
| Assets per employee ($millions) | 7.0810% | 1,889 |
| Cash dividends to net income (ytd only)* | 30.3918% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 1,689 |
| Loan loss allowance to noncurrent loans | 39.6356% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.8205% | 173 |
| Noncurrent loans to loans | 3.5716% | 115 |
| Net loans and leases to total assets | 50.2485% | 3,347 |
| Net loans and leases to deposits | 53.6505% | 3,561 |
| Net loans and leases to core deposits | 61.3665% | 3,171 |
| Total domestic deposits to total assets | 93.6588% | 355 |
| Equity capital to assets | 5.1602% | 4,442 |
| Core capital (leverage) ratio | 10.0445% | 2,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $310,271,667 | 2,431 |
| Average earning assets | $295,072,667 | 2,409 |
| Average equity | $22,762,333 | 2,838 |
| Average total loans | $147,290,667 | 2,672 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5970% | 1,513 |
| Cost of funding earning assets | 0.3689% | 1,066 |
| Net interest margin | 3.2282% | 1,794 |
| Noninterest income to average assets | 0.5646% | 1,848 |
| Noninterest expense to average assets | 1.9223% | 3,630 |
| Loan and lease loss provision to assets | 0.5339% | 88 |
| Net operating income to assets | 1.1713% | 1,322 |
| Return on assets (ROA) | 1.1713% | 1,320 |
| Pretax return on assets | 1.1713% | 1,914 |
| Return on Equity (ROE) | 13.9534% | 839 |
| Retained earnings to average equity (ytd only) | 6.9843% | 1,895 |
| Net charge-offs to loans | 0.0363% | 934 |
| Credit loss provision to net charge-offs | 3,215.3846% | 129 |
| Earnings coverage of net charge-offs (x) | 102.6923% | 667 |
| Efficiency ratio | 52.9930% | 4,125 |
| Assets per employee ($millions) | 6.9136% | 2,049 |
| Cash dividends to net income (ytd only)* | 49.9455% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 1,599 |
| Loan loss allowance to noncurrent loans | 159.6950% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 1,382 |
| Noncurrent loans to loans | 0.9297% | 978 |
| Net loans and leases to total assets | 46.9024% | 3,494 |
| Net loans and leases to deposits | 50.7924% | 3,663 |
| Net loans and leases to core deposits | 57.8478% | 3,306 |
| Total domestic deposits to total assets | 92.3414% | 455 |
| Equity capital to assets | 7.2803% | 4,059 |
| Core capital (leverage) ratio | 9.4823% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,165,000 | 2,428 |
| Average earning assets | $297,135,500 | 2,405 |
| Average equity | $26,287,500 | 2,700 |
| Average total loans | $143,338,000 | 2,709 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8024% | 1,857 |
| Cost of funding earning assets | 0.4208% | 1,385 |
| Net interest margin | 3.3815% | 2,087 |
| Noninterest income to average assets | 0.5561% | 2,334 |
| Noninterest expense to average assets | 1.9403% | 3,836 |
| Loan and lease loss provision to assets | 0.0855% | 1,437 |
| Net operating income to assets | 1.7428% | 579 |
| Return on assets (ROA) | 1.7626% | 580 |
| Pretax return on assets | 1.7626% | 996 |
| Return on Equity (ROE) | 17.4869% | 521 |
| Retained earnings to average equity (ytd only) | 9.3940% | 1,072 |
| Net charge-offs to loans | 0.0339% | 1,556 |
| Credit loss provision to net charge-offs | 542.5532% | 767 |
| Earnings coverage of net charge-offs (x) | 115.9787% | 805 |
| Efficiency ratio | 51.4863% | 4,161 |
| Assets per employee ($millions) | 7.1640% | 1,819 |
| Cash dividends to net income (ytd only)* | 46.2797% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,384 |
| Loan loss allowance to noncurrent loans | 93.3889% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 989 |
| Noncurrent loans to loans | 1.3864% | 674 |
| Net loans and leases to total assets | 43.3871% | 3,882 |
| Net loans and leases to deposits | 48.2040% | 3,983 |
| Net loans and leases to core deposits | 54.6460% | 3,714 |
| Total domestic deposits to total assets | 90.0072% | 954 |
| Equity capital to assets | 9.4935% | 3,154 |
| Core capital (leverage) ratio | 9.3796% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $298,142,200 | 2,438 |
| Average earning assets | $283,245,800 | 2,412 |
| Average equity | $30,051,000 | 2,532 |
| Average total loans | $138,819,600 | 2,738 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8789% | 1,820 |
| Cost of funding earning assets | 0.4328% | 1,467 |
| Net interest margin | 3.4462% | 2,022 |
| Noninterest income to average assets | 0.5594% | 2,376 |
| Noninterest expense to average assets | 1.8162% | 4,136 |
| Loan and lease loss provision to assets | 0.0929% | 1,284 |
| Net operating income to assets | 1.9269% | 532 |
| Return on assets (ROA) | 1.9536% | 525 |
| Pretax return on assets | 1.9536% | 857 |
| Return on Equity (ROE) | 19.0848% | 507 |
| Retained earnings to average equity (ytd only) | 13.3585% | 587 |
| Net charge-offs to loans | 0.0144% | 1,802 |
| Credit loss provision to net charge-offs | 1,366.6667% | 428 |
| Earnings coverage of net charge-offs (x) | 296.8000% | 444 |
| Efficiency ratio | 47.3448% | 4,424 |
| Assets per employee ($millions) | 6.8361% | 1,992 |
| Cash dividends to net income (ytd only)* | 30.0046% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,725 |
| Loan loss allowance to noncurrent loans | 91.1704% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.6476% | 1,165 |
| Noncurrent loans to loans | 1.3724% | 776 |
| Net loans and leases to total assets | 46.5983% | 3,749 |
| Net loans and leases to deposits | 52.3927% | 3,850 |
| Net loans and leases to core deposits | 59.6551% | 3,491 |
| Total domestic deposits to total assets | 88.9404% | 1,317 |
| Equity capital to assets | 10.4479% | 2,497 |
| Core capital (leverage) ratio | 9.7827% | 2,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $293,873,750 | 2,482 |
| Average earning assets | $279,415,750 | 2,454 |
| Average equity | $30,082,500 | 2,560 |
| Average total loans | $138,885,250 | 2,775 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 1,562 |
| Cost of funding earning assets | 0.4431% | 1,569 |
| Net interest margin | 3.5571% | 1,689 |
| Noninterest income to average assets | 0.5165% | 2,553 |
| Noninterest expense to average assets | 1.7848% | 4,216 |
| Loan and lease loss provision to assets | 0.0514% | 2,003 |
| Net operating income to assets | 2.0613% | 440 |
| Return on assets (ROA) | 2.0757% | 442 |
| Pretax return on assets | 2.0757% | 711 |
| Return on Equity (ROE) | 20.4220% | 422 |
| Retained earnings to average equity (ytd only) | 15.1444% | 410 |
| Net charge-offs to loans | 0.0044% | 1,995 |
| Credit loss provision to net charge-offs | 2,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 1,026.6667% | 122 |
| Efficiency ratio | 45.7937% | 4,527 |
| Assets per employee ($millions) | 6.6847% | 2,031 |
| Cash dividends to net income (ytd only)* | 25.8427% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 3,066 |
| Loan loss allowance to noncurrent loans | 94.0409% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 1,397 |
| Noncurrent loans to loans | 1.2509% | 952 |
| Net loans and leases to total assets | 47.3279% | 3,794 |
| Net loans and leases to deposits | 53.0353% | 3,927 |
| Net loans and leases to core deposits | 60.7923% | 3,562 |
| Total domestic deposits to total assets | 89.2383% | 1,168 |
| Equity capital to assets | 10.3054% | 2,571 |
| Core capital (leverage) ratio | 9.5425% | 2,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $291,569,000 | 2,490 |
| Average earning assets | $277,138,000 | 2,467 |
| Average equity | $29,634,667 | 2,588 |
| Average total loans | $137,867,667 | 2,808 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5425% | 2,803 |
| Cost of funding earning assets | 0.4539% | 1,689 |
| Net interest margin | 3.0886% | 3,028 |
| Noninterest income to average assets | 0.5181% | 2,526 |
| Noninterest expense to average assets | 1.7128% | 4,353 |
| Loan and lease loss provision to assets | 0.0344% | 2,316 |
| Net operating income to assets | 1.7059% | 927 |
| Return on assets (ROA) | 1.7059% | 979 |
| Pretax return on assets | 1.7059% | 1,472 |
| Return on Equity (ROE) | 16.9030% | 863 |
| Retained earnings to average equity (ytd only) | 11.8512% | 1,188 |
| Net charge-offs to loans | 0.0205% | 1,330 |
| Credit loss provision to net charge-offs | 357.1429% | 690 |
| Earnings coverage of net charge-offs (x) | 180.4286% | 432 |
| Efficiency ratio | 49.6010% | 4,221 |
| Assets per employee ($millions) | 6.5911% | 2,104 |
| Cash dividends to net income (ytd only)* | 29.8869% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 3,131 |
| Loan loss allowance to noncurrent loans | 97.2121% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 1,703 |
| Noncurrent loans to loans | 1.1967% | 1,100 |
| Net loans and leases to total assets | 45.9447% | 3,960 |
| Net loans and leases to deposits | 51.1559% | 4,095 |
| Net loans and leases to core deposits | 58.5246% | 3,803 |
| Total domestic deposits to total assets | 89.8131% | 906 |
| Equity capital to assets | 9.7560% | 2,941 |
| Core capital (leverage) ratio | 9.4389% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $290,290,000 | 2,488 |
| Average earning assets | $275,851,000 | 2,458 |
| Average equity | $29,296,500 | 2,602 |
| Average total loans | $136,371,000 | 2,824 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 1,907 |
| Cost of funding earning assets | 0.6297% | 2,123 |
| Net interest margin | 3.6571% | 1,948 |
| Noninterest income to average assets | 0.5645% | 2,352 |
| Noninterest expense to average assets | 2.1789% | 3,725 |
| Loan and lease loss provision to assets | 0.0608% | 3,612 |
| Net operating income to assets | 1.7915% | 397 |
| Return on assets (ROA) | 1.7927% | 427 |
| Pretax return on assets | 1.7927% | 696 |
| Return on Equity (ROE) | 15.9850% | 505 |
| Retained earnings to average equity (ytd only) | 7.4071% | 1,231 |
| Net charge-offs to loans | 0.0380% | 2,295 |
| Credit loss provision to net charge-offs | 312.5000% | 1,690 |
| Earnings coverage of net charge-offs (x) | 95.2292% | 813 |
| Efficiency ratio | 54.0511% | 4,206 |
| Assets per employee ($millions) | 6.3107% | 2,080 |
| Cash dividends to net income (ytd only)* | 53.6618% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,077 |
| Loan loss allowance to noncurrent loans | 170.7212% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 2,685 |
| Noncurrent loans to loans | 0.6888% | 1,966 |
| Net loans and leases to total assets | 46.9329% | 4,061 |
| Net loans and leases to deposits | 52.7440% | 4,182 |
| Net loans and leases to core deposits | 60.6636% | 3,909 |
| Total domestic deposits to total assets | 88.9824% | 994 |
| Equity capital to assets | 10.4433% | 2,720 |
| Core capital (leverage) ratio | 9.4783% | 3,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,780,800 | 2,596 |
| Average earning assets | $233,926,800 | 2,570 |
| Average equity | $27,676,000 | 2,625 |
| Average total loans | $126,405,400 | 2,903 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 1,568 |
| Cost of funding earning assets | 0.6717% | 2,192 |
| Net interest margin | 3.8297% | 1,542 |
| Noninterest income to average assets | 0.5766% | 2,272 |
| Noninterest expense to average assets | 1.9998% | 4,141 |
| Loan and lease loss provision to assets | 0.0282% | 3,980 |
| Net operating income to assets | 2.1789% | 211 |
| Return on assets (ROA) | 2.1806% | 230 |
| Pretax return on assets | 2.1806% | 356 |
| Return on Equity (ROE) | 19.0522% | 294 |
| Retained earnings to average equity (ytd only) | 14.6669% | 214 |
| Net charge-offs to loans | 0.0247% | 2,342 |
| Credit loss provision to net charge-offs | 217.3913% | 2,048 |
| Earnings coverage of net charge-offs (x) | 170.9130% | 545 |
| Efficiency ratio | 47.5377% | 4,638 |
| Assets per employee ($millions) | 5.6276% | 2,600 |
| Cash dividends to net income (ytd only)* | 23.0175% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 2,953 |
| Loan loss allowance to noncurrent loans | 346.5596% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,563 |
| Noncurrent loans to loans | 0.3310% | 3,096 |
| Net loans and leases to total assets | 51.4243% | 4,003 |
| Net loans and leases to deposits | 58.7514% | 4,131 |
| Net loans and leases to core deposits | 62.8436% | 4,061 |
| Total domestic deposits to total assets | 87.5286% | 1,429 |
| Equity capital to assets | 11.9213% | 1,730 |
| Core capital (leverage) ratio | 10.7766% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $237,480,500 | 2,650 |
| Average earning assets | $225,111,000 | 2,610 |
| Average equity | $27,180,750 | 2,654 |
| Average total loans | $124,290,000 | 2,941 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7102% | 1,381 |
| Cost of funding earning assets | 0.7008% | 2,375 |
| Net interest margin | 4.0094% | 1,295 |
| Noninterest income to average assets | 0.5908% | 2,164 |
| Noninterest expense to average assets | 2.0738% | 4,090 |
| Loan and lease loss provision to assets | 0.0215% | 3,979 |
| Net operating income to assets | 2.2943% | 191 |
| Return on assets (ROA) | 2.2969% | 210 |
| Pretax return on assets | 2.2969% | 306 |
| Return on Equity (ROE) | 20.3761% | 229 |
| Retained earnings to average equity (ytd only) | 17.0298% | 142 |
| Net charge-offs to loans | 0.0197% | 2,332 |
| Credit loss provision to net charge-offs | 208.3333% | 1,881 |
| Earnings coverage of net charge-offs (x) | 224.0833% | 405 |
| Efficiency ratio | 47.2435% | 4,669 |
| Assets per employee ($millions) | 5.7524% | 2,413 |
| Cash dividends to net income (ytd only)* | 16.4229% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,811 |
| Loan loss allowance to noncurrent loans | 282.9868% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 3,493 |
| Noncurrent loans to loans | 0.4041% | 2,958 |
| Net loans and leases to total assets | 51.1240% | 4,088 |
| Net loans and leases to deposits | 58.1332% | 4,213 |
| Net loans and leases to core deposits | 61.9405% | 4,178 |
| Total domestic deposits to total assets | 87.9430% | 1,207 |
| Equity capital to assets | 11.5126% | 1,964 |
| Core capital (leverage) ratio | 10.8021% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,226,000 | 2,666 |
| Average earning assets | $220,033,000 | 2,627 |
| Average equity | $26,177,667 | 2,704 |
| Average total loans | $121,806,667 | 2,956 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 2,225 |
| Cost of funding earning assets | 0.7255% | 2,802 |
| Net interest margin | 3.8034% | 1,959 |
| Noninterest income to average assets | 0.7034% | 1,641 |
| Noninterest expense to average assets | 2.0777% | 4,264 |
| Loan and lease loss provision to assets | 0.0451% | 3,214 |
| Net operating income to assets | 2.1733% | 193 |
| Return on assets (ROA) | 2.1787% | 205 |
| Pretax return on assets | 2.1787% | 306 |
| Return on Equity (ROE) | 19.5651% | 186 |
| Retained earnings to average equity (ytd only) | 14.7062% | 209 |
| Net charge-offs to loans | 0.0273% | 1,830 |
| Credit loss provision to net charge-offs | 312.5000% | 1,143 |
| Earnings coverage of net charge-offs (x) | 153.7500% | 425 |
| Efficiency ratio | 48.3627% | 4,737 |
| Assets per employee ($millions) | 5.0914% | 2,547 |
| Cash dividends to net income (ytd only)* | 24.8344% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,224 |
| Loan loss allowance to noncurrent loans | 269.7842% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,461 |
| Noncurrent loans to loans | 0.4756% | 2,825 |
| Net loans and leases to total assets | 51.5170% | 4,147 |
| Net loans and leases to deposits | 58.1677% | 4,282 |
| Net loans and leases to core deposits | 61.7678% | 4,281 |
| Total domestic deposits to total assets | 88.5664% | 852 |
| Equity capital to assets | 10.8359% | 3,010 |
| Core capital (leverage) ratio | 11.3296% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $221,786,000 | 2,700 |
| Average earning assets | $209,499,000 | 2,668 |
| Average equity | $24,697,000 | 2,797 |
| Average total loans | $117,262,500 | 2,984 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 2,368 |
| Cost of funding earning assets | 0.6330% | 3,495 |
| Net interest margin | 4.0530% | 1,677 |
| Noninterest income to average assets | 0.7562% | 1,602 |
| Noninterest expense to average assets | 2.5427% | 3,340 |
| Loan and lease loss provision to assets | 0.1108% | 1,882 |
| Net operating income to assets | 1.9238% | 413 |
| Return on assets (ROA) | 1.9310% | 422 |
| Pretax return on assets | 1.9310% | 692 |
| Return on Equity (ROE) | 16.7816% | 443 |
| Retained earnings to average equity (ytd only) | 7.6729% | 1,090 |
| Net charge-offs to loans | 0.0924% | 1,805 |
| Credit loss provision to net charge-offs | 221.1538% | 1,199 |
| Earnings coverage of net charge-offs (x) | 40.6154% | 1,307 |
| Efficiency ratio | 55.5509% | 4,260 |
| Assets per employee ($millions) | 4.9898% | 2,613 |
| Cash dividends to net income (ytd only)* | 54.2779% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,110 |
| Loan loss allowance to noncurrent loans | 238.2022% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 3,287 |
| Noncurrent loans to loans | 0.5297% | 2,593 |
| Net loans and leases to total assets | 52.8953% | 4,158 |
| Net loans and leases to deposits | 60.2445% | 4,276 |
| Net loans and leases to core deposits | 63.9696% | 4,277 |
| Total domestic deposits to total assets | 87.8009% | 1,228 |
| Equity capital to assets | 11.4412% | 2,581 |
| Core capital (leverage) ratio | 11.3042% | 2,245 |
| Tier 1 risk-based capital ratio | 20.3052% | 1,276 |
| Total risk-based capital ratio | 21.5552% | 1,254 |
| Memoranda: | ||
| Average total assets | $207,614,200 | 2,780 |
| Average earning assets | $195,732,000 | 2,747 |
| Average equity | $23,889,200 | 2,806 |
| Average total loans | $112,553,400 | 3,043 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6924% | 2,440 |
| Cost of funding earning assets | 0.6115% | 3,640 |
| Net interest margin | 4.0810% | 1,670 |
| Noninterest income to average assets | 0.7688% | 1,525 |
| Noninterest expense to average assets | 2.3209% | 3,897 |
| Loan and lease loss provision to assets | 0.1336% | 1,440 |
| Net operating income to assets | 2.1586% | 290 |
| Return on assets (ROA) | 2.1684% | 302 |
| Pretax return on assets | 2.1684% | 479 |
| Return on Equity (ROE) | 18.8163% | 328 |
| Retained earnings to average equity (ytd only) | 14.2592% | 195 |
| Net charge-offs to loans | 0.0695% | 1,833 |
| Credit loss provision to net charge-offs | 353.4483% | 854 |
| Earnings coverage of net charge-offs (x) | 60.6563% | 1,043 |
| Efficiency ratio | 50.3107% | 4,723 |
| Assets per employee ($millions) | 4.7903% | 2,806 |
| Cash dividends to net income (ytd only)* | 24.2188% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,121 |
| Loan loss allowance to noncurrent loans | 218.1159% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 3,235 |
| Noncurrent loans to loans | 0.5822% | 2,541 |
| Net loans and leases to total assets | 55.5163% | 4,078 |
| Net loans and leases to deposits | 63.7439% | 4,186 |
| Net loans and leases to core deposits | 67.3198% | 4,201 |
| Total domestic deposits to total assets | 87.0928% | 1,470 |
| Equity capital to assets | 12.2306% | 2,093 |
| Core capital (leverage) ratio | 12.0450% | 1,819 |
| Tier 1 risk-based capital ratio | 21.3343% | 1,150 |
| Total risk-based capital ratio | 22.5848% | 1,127 |
| Memoranda: | ||
| Average total assets | $204,630,500 | 2,825 |
| Average earning assets | $192,759,250 | 2,792 |
| Average equity | $23,581,750 | 2,841 |
| Average total loans | $111,288,000 | 3,099 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6637% | 2,465 |
| Cost of funding earning assets | 0.5911% | 3,696 |
| Net interest margin | 4.0726% | 1,694 |
| Noninterest income to average assets | 0.7592% | 1,483 |
| Noninterest expense to average assets | 2.3970% | 3,739 |
| Loan and lease loss provision to assets | 0.1135% | 1,657 |
| Net operating income to assets | 2.0851% | 338 |
| Return on assets (ROA) | 2.0910% | 344 |
| Pretax return on assets | 2.0910% | 563 |
| Return on Equity (ROE) | 18.5388% | 348 |
| Retained earnings to average equity (ytd only) | 14.3374% | 207 |
| Net charge-offs to loans | 0.0900% | 1,467 |
| Credit loss provision to net charge-offs | 234.6939% | 1,074 |
| Earnings coverage of net charge-offs (x) | 45.4490% | 1,169 |
| Efficiency ratio | 52.1590% | 4,644 |
| Assets per employee ($millions) | 4.7081% | 2,868 |
| Cash dividends to net income (ytd only)* | 22.6629% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,187 |
| Loan loss allowance to noncurrent loans | 249.8246% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 3,433 |
| Noncurrent loans to loans | 0.5046% | 2,765 |
| Net loans and leases to total assets | 55.0895% | 4,134 |
| Net loans and leases to deposits | 63.2003% | 4,262 |
| Net loans and leases to core deposits | 66.7008% | 4,281 |
| Total domestic deposits to total assets | 87.1665% | 1,511 |
| Equity capital to assets | 12.1459% | 2,082 |
| Core capital (leverage) ratio | 11.7949% | 1,951 |
| Tier 1 risk-based capital ratio | 21.1021% | 1,163 |
| Total risk-based capital ratio | 22.3522% | 1,148 |
| Memoranda: | ||
| Average total assets | $202,582,670 | 2,852 |
| Average earning assets | $190,837,330 | 2,818 |
| Average equity | $22,849,330 | 2,896 |
| Average total loans | $108,877,670 | 3,157 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 2,454 |
| Cost of funding earning assets | 0.5686% | 3,741 |
| Net interest margin | 4.0556% | 1,672 |
| Noninterest income to average assets | 0.6987% | 1,620 |
| Noninterest expense to average assets | 2.3272% | 3,954 |
| Loan and lease loss provision to assets | 0.0790% | 2,110 |
| Net operating income to assets | 2.1081% | 315 |
| Return on assets (ROA) | 2.1219% | 322 |
| Pretax return on assets | 2.1219% | 505 |
| Return on Equity (ROE) | 19.5637% | 289 |
| Retained earnings to average equity (ytd only) | 14.4680% | 317 |
| Net charge-offs to loans | 0.1348% | 936 |
| Credit loss provision to net charge-offs | 111.1111% | 1,486 |
| Earnings coverage of net charge-offs (x) | 30.7778% | 1,317 |
| Efficiency ratio | 51.5523% | 4,727 |
| Assets per employee ($millions) | 4.7197% | 2,889 |
| Cash dividends to net income (ytd only)* | 26.0465% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 2,263 |
| Loan loss allowance to noncurrent loans | 196.8208% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,044 |
| Noncurrent loans to loans | 0.6412% | 2,408 |
| Net loans and leases to total assets | 52.5073% | 4,307 |
| Net loans and leases to deposits | 59.5614% | 4,437 |
| Net loans and leases to core deposits | 62.8220% | 4,436 |
| Total domestic deposits to total assets | 88.1566% | 1,255 |
| Equity capital to assets | 11.1969% | 2,656 |
| Core capital (leverage) ratio | 11.5452% | 2,105 |
| Tier 1 risk-based capital ratio | 21.1149% | 1,149 |
| Total risk-based capital ratio | 22.3650% | 1,126 |
| Memoranda: | ||
| Average total assets | $202,650,500 | 2,873 |
| Average earning assets | $190,651,500 | 2,844 |
| Average equity | $21,979,500 | 2,976 |
| Average total loans | $106,841,000 | 3,215 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,687 |
| Cost of funding earning assets | 0.4738% | 3,523 |
| Net interest margin | 3.9494% | 2,162 |
| Noninterest income to average assets | 0.5957% | 2,317 |
| Noninterest expense to average assets | 2.6130% | 3,298 |
| Loan and lease loss provision to assets | 0.1391% | 1,546 |
| Net operating income to assets | 1.5530% | 986 |
| Return on assets (ROA) | 1.5707% | 938 |
| Pretax return on assets | 1.5707% | 1,552 |
| Return on Equity (ROE) | 14.7137% | 896 |
| Retained earnings to average equity (ytd only) | 5.9215% | 2,234 |
| Net charge-offs to loans | 0.0915% | 1,859 |
| Credit loss provision to net charge-offs | 302.1978% | 1,024 |
| Earnings coverage of net charge-offs (x) | 36.7692% | 1,408 |
| Efficiency ratio | 60.6954% | 3,746 |
| Assets per employee ($millions) | 4.7059% | 2,870 |
| Cash dividends to net income (ytd only)* | 59.7553% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,124 |
| Loan loss allowance to noncurrent loans | 188.6111% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 3,119 |
| Noncurrent loans to loans | 0.6808% | 2,291 |
| Net loans and leases to total assets | 51.5928% | 4,426 |
| Net loans and leases to deposits | 58.1539% | 4,569 |
| Net loans and leases to core deposits | 61.1200% | 4,581 |
| Total domestic deposits to total assets | 88.7177% | 971 |
| Equity capital to assets | 10.4941% | 3,197 |
| Core capital (leverage) ratio | 11.2773% | 2,282 |
| Tier 1 risk-based capital ratio | 20.6327% | 1,203 |
| Total risk-based capital ratio | 21.8832% | 1,175 |
| Memoranda: | ||
| Average total assets | $197,745,200 | 2,894 |
| Average earning assets | $185,723,800 | 2,867 |
| Average equity | $21,109,600 | 2,978 |
| Average total loans | $99,399,800 | 3,303 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3681% | 2,734 |
| Cost of funding earning assets | 0.4557% | 3,490 |
| Net interest margin | 3.9124% | 2,247 |
| Noninterest income to average assets | 0.5466% | 2,579 |
| Noninterest expense to average assets | 2.3690% | 3,929 |
| Loan and lease loss provision to assets | 0.1187% | 1,708 |
| Net operating income to assets | 1.7328% | 698 |
| Return on assets (ROA) | 1.7565% | 657 |
| Pretax return on assets | 1.7565% | 1,120 |
| Return on Equity (ROE) | 16.3830% | 631 |
| Retained earnings to average equity (ytd only) | 12.6130% | 405 |
| Net charge-offs to loans | 0.0859% | 1,649 |
| Credit loss provision to net charge-offs | 277.7778% | 1,081 |
| Earnings coverage of net charge-offs (x) | 43.3323% | 1,286 |
| Efficiency ratio | 56.1305% | 4,375 |
| Assets per employee ($millions) | 4.6038% | 2,972 |
| Cash dividends to net income (ytd only)* | 23.0117% | 2,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 2,273 |
| Loan loss allowance to noncurrent loans | 365.3409% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1778% | 4,061 |
| Noncurrent loans to loans | 0.3469% | 3,409 |
| Net loans and leases to total assets | 50.6112% | 4,557 |
| Net loans and leases to deposits | 57.2032% | 4,690 |
| Net loans and leases to core deposits | 60.1877% | 4,695 |
| Total domestic deposits to total assets | 88.4762% | 1,059 |
| Equity capital to assets | 10.8156% | 2,831 |
| Core capital (leverage) ratio | 11.7753% | 1,934 |
| Tier 1 risk-based capital ratio | 21.8286% | 1,070 |
| Total risk-based capital ratio | 23.0787% | 1,052 |
| Memoranda: | ||
| Average total assets | $196,593,500 | 2,929 |
| Average earning assets | $184,604,500 | 2,896 |
| Average equity | $21,078,250 | 2,998 |
| Average total loans | $97,810,500 | 3,368 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3023% | 2,753 |
| Cost of funding earning assets | 0.4377% | 3,438 |
| Net interest margin | 3.8645% | 2,332 |
| Noninterest income to average assets | 0.6210% | 2,222 |
| Noninterest expense to average assets | 2.4289% | 3,829 |
| Loan and lease loss provision to assets | 0.1020% | 1,906 |
| Net operating income to assets | 1.7182% | 699 |
| Return on assets (ROA) | 1.7192% | 702 |
| Pretax return on assets | 1.7192% | 1,171 |
| Return on Equity (ROE) | 16.0822% | 659 |
| Retained earnings to average equity (ytd only) | 12.8199% | 408 |
| Net charge-offs to loans | 0.0456% | 1,960 |
| Credit loss provision to net charge-offs | 454.5455% | 751 |
| Earnings coverage of net charge-offs (x) | 81.1364% | 816 |
| Efficiency ratio | 57.1634% | 4,337 |
| Assets per employee ($millions) | 4.4648% | 3,177 |
| Cash dividends to net income (ytd only)* | 20.2847% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 2,338 |
| Loan loss allowance to noncurrent loans | 339.2954% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 2,472 |
| Noncurrent loans to loans | 0.3735% | 3,358 |
| Net loans and leases to total assets | 49.6465% | 4,627 |
| Net loans and leases to deposits | 56.7384% | 4,713 |
| Net loans and leases to core deposits | 59.7481% | 4,717 |
| Total domestic deposits to total assets | 87.5007% | 1,647 |
| Equity capital to assets | 10.8022% | 2,833 |
| Core capital (leverage) ratio | 11.5049% | 2,073 |
| Tier 1 risk-based capital ratio | 22.1547% | 1,018 |
| Total risk-based capital ratio | 23.4051% | 1,002 |
| Memoranda: | ||
| Average total assets | $196,136,670 | 2,942 |
| Average earning assets | $184,136,000 | 2,922 |
| Average equity | $20,967,330 | 3,023 |
| Average total loans | $96,588,000 | 3,400 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2390% | 2,747 |
| Cost of funding earning assets | 0.4259% | 3,399 |
| Net interest margin | 3.8131% | 2,367 |
| Noninterest income to average assets | 0.6082% | 2,218 |
| Noninterest expense to average assets | 2.4288% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7614% | 607 |
| Return on assets (ROA) | 1.7634% | 612 |
| Pretax return on assets | 1.7634% | 977 |
| Return on Equity (ROE) | 16.5831% | 548 |
| Retained earnings to average equity (ytd only) | 12.0918% | 671 |
| Net charge-offs to loans | 0.0251% | 2,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 143.8333% | 448 |
| Efficiency ratio | 57.9640% | 4,346 |
| Assets per employee ($millions) | 4.4490% | 3,245 |
| Cash dividends to net income (ytd only)* | 27.0833% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,552 |
| Loan loss allowance to noncurrent loans | 144.0197% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.9389% | 1,688 |
| Noncurrent loans to loans | 0.8632% | 2,095 |
| Net loans and leases to total assets | 47.3973% | 4,730 |
| Net loans and leases to deposits | 53.3779% | 4,826 |
| Net loans and leases to core deposits | 56.0724% | 4,839 |
| Total domestic deposits to total assets | 88.7957% | 1,209 |
| Equity capital to assets | 10.5468% | 3,028 |
| Core capital (leverage) ratio | 11.1088% | 2,327 |
| Tier 1 risk-based capital ratio | 21.7249% | 1,096 |
| Total risk-based capital ratio | 22.9455% | 1,071 |
| Memoranda: | ||
| Average total assets | $195,979,500 | 2,967 |
| Average earning assets | $184,102,000 | 2,950 |
| Average equity | $20,840,500 | 3,066 |
| Average total loans | $95,490,500 | 3,432 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2516% | 2,490 |
| Cost of funding earning assets | 0.4245% | 3,003 |
| Net interest margin | 3.8271% | 2,330 |
| Noninterest income to average assets | 0.6327% | 2,290 |
| Noninterest expense to average assets | 2.5469% | 3,617 |
| Loan and lease loss provision to assets | 0.0891% | 2,407 |
| Net operating income to assets | 1.5877% | 669 |
| Return on assets (ROA) | 1.5966% | 672 |
| Pretax return on assets | 1.5966% | 1,298 |
| Return on Equity (ROE) | 14.5853% | 677 |
| Retained earnings to average equity (ytd only) | 6.3781% | 1,340 |
| Net charge-offs to loans | 0.1611% | 1,514 |
| Credit loss provision to net charge-offs | 110.3896% | 2,361 |
| Earnings coverage of net charge-offs (x) | 20.7727% | 1,949 |
| Efficiency ratio | 60.3003% | 4,219 |
| Assets per employee ($millions) | 4.4592% | 3,253 |
| Cash dividends to net income (ytd only)* | 56.2705% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,719 |
| Loan loss allowance to noncurrent loans | 53.3394% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 1.1218% | 1,332 |
| Noncurrent loans to loans | 2.2684% | 626 |
| Net loans and leases to total assets | 48.8555% | 4,711 |
| Net loans and leases to deposits | 55.2220% | 4,841 |
| Net loans and leases to core deposits | 57.8324% | 4,857 |
| Total domestic deposits to total assets | 88.4711% | 1,263 |
| Equity capital to assets | 10.7210% | 2,922 |
| Core capital (leverage) ratio | 10.7803% | 2,554 |
| Tier 1 risk-based capital ratio | 20.9942% | 1,145 |
| Total risk-based capital ratio | 22.2152% | 1,130 |
| Memoranda: | ||
| Average total assets | $190,779,200 | 3,008 |
| Average earning assets | $179,013,600 | 2,973 |
| Average equity | $20,884,000 | 3,044 |
| Average total loans | $95,566,000 | 3,423 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 2,458 |
| Cost of funding earning assets | 0.4218% | 2,972 |
| Net interest margin | 3.8214% | 2,311 |
| Noninterest income to average assets | 0.6321% | 2,307 |
| Noninterest expense to average assets | 2.3326% | 4,207 |
| Loan and lease loss provision to assets | 0.1197% | 1,814 |
| Net operating income to assets | 1.7632% | 504 |
| Return on assets (ROA) | 1.7752% | 503 |
| Pretax return on assets | 1.7752% | 940 |
| Return on Equity (ROE) | 16.1304% | 515 |
| Retained earnings to average equity (ytd only) | 11.6277% | 327 |
| Net charge-offs to loans | 0.1835% | 1,152 |
| Credit loss provision to net charge-offs | 129.7710% | 1,893 |
| Earnings coverage of net charge-offs (x) | 20.4201% | 1,954 |
| Efficiency ratio | 55.3348% | 4,810 |
| Assets per employee ($millions) | 4.3590% | 3,375 |
| Cash dividends to net income (ytd only)* | 27.9143% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,792 |
| Loan loss allowance to noncurrent loans | 222.0779% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,943 |
| Noncurrent loans to loans | 0.5502% | 3,050 |
| Net loans and leases to total assets | 50.4547% | 4,670 |
| Net loans and leases to deposits | 57.5273% | 4,786 |
| Net loans and leases to core deposits | 60.5230% | 4,791 |
| Total domestic deposits to total assets | 87.7056% | 1,514 |
| Equity capital to assets | 11.5541% | 2,315 |
| Core capital (leverage) ratio | 11.3204% | 2,168 |
| Tier 1 risk-based capital ratio | 21.3573% | 1,135 |
| Total risk-based capital ratio | 22.5944% | 1,121 |
| Memoranda: | ||
| Average total assets | $189,423,250 | 3,051 |
| Average earning assets | $177,626,750 | 3,010 |
| Average equity | $20,846,250 | 3,074 |
| Average total loans | $95,200,000 | 3,461 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 2,417 |
| Cost of funding earning assets | 0.4176% | 2,910 |
| Net interest margin | 3.7966% | 2,298 |
| Noninterest income to average assets | 0.6372% | 2,276 |
| Noninterest expense to average assets | 2.3803% | 4,113 |
| Loan and lease loss provision to assets | 0.1537% | 1,310 |
| Net operating income to assets | 1.6604% | 617 |
| Return on assets (ROA) | 1.6784% | 603 |
| Pretax return on assets | 1.6784% | 1,105 |
| Return on Equity (ROE) | 15.5133% | 596 |
| Retained earnings to average equity (ytd only) | 11.3581% | 389 |
| Net charge-offs to loans | 0.2418% | 842 |
| Credit loss provision to net charge-offs | 127.1930% | 1,707 |
| Earnings coverage of net charge-offs (x) | 15.0088% | 2,042 |
| Efficiency ratio | 56.7492% | 4,738 |
| Assets per employee ($millions) | 4.4174% | 3,240 |
| Cash dividends to net income (ytd only)* | 26.7846% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,785 |
| Loan loss allowance to noncurrent loans | 629.1005% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 4,796 |
| Noncurrent loans to loans | 0.1965% | 4,333 |
| Net loans and leases to total assets | 50.0232% | 4,712 |
| Net loans and leases to deposits | 56.9222% | 4,810 |
| Net loans and leases to core deposits | 60.0984% | 4,817 |
| Total domestic deposits to total assets | 87.8798% | 1,519 |
| Equity capital to assets | 11.3857% | 2,425 |
| Core capital (leverage) ratio | 11.0756% | 2,335 |
| Tier 1 risk-based capital ratio | 26.6173% | 634 |
| Total risk-based capital ratio | 27.8711% | 616 |
| Memoranda: | ||
| Average total assets | $188,633,000 | 3,073 |
| Average earning assets | $176,737,000 | 3,031 |
| Average equity | $20,408,330 | 3,114 |
| Average total loans | $94,278,000 | 3,490 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 2,246 |
| Cost of funding earning assets | 0.4086% | 2,912 |
| Net interest margin | 3.8004% | 2,109 |
| Noninterest income to average assets | 0.6384% | 2,232 |
| Noninterest expense to average assets | 2.3641% | 4,214 |
| Loan and lease loss provision to assets | 0.1064% | 1,794 |
| Net operating income to assets | 1.7300% | 520 |
| Return on assets (ROA) | 1.7321% | 525 |
| Pretax return on assets | 1.7321% | 932 |
| Return on Equity (ROE) | 16.4453% | 469 |
| Retained earnings to average equity (ytd only) | 11.3541% | 554 |
| Net charge-offs to loans | 0.2743% | 664 |
| Credit loss provision to net charge-offs | 78.1250% | 1,767 |
| Earnings coverage of net charge-offs (x) | 13.4844% | 1,779 |
| Efficiency ratio | 56.2817% | 4,905 |
| Assets per employee ($millions) | 4.6036% | 3,000 |
| Cash dividends to net income (ytd only)* | 30.9582% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 2,983 |
| Loan loss allowance to noncurrent loans | 446.8750% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,721 |
| Noncurrent loans to loans | 0.2738% | 4,127 |
| Net loans and leases to total assets | 48.9338% | 4,755 |
| Net loans and leases to deposits | 55.2656% | 4,859 |
| Net loans and leases to core deposits | 58.1534% | 4,875 |
| Total domestic deposits to total assets | 88.5429% | 1,401 |
| Equity capital to assets | 10.7223% | 2,936 |
| Core capital (leverage) ratio | 10.8587% | 2,530 |
| Tier 1 risk-based capital ratio | 21.2495% | 1,184 |
| Total risk-based capital ratio | 22.4994% | 1,168 |
| Memoranda: | ||
| Average total assets | $187,975,500 | 3,106 |
| Average earning assets | $176,193,000 | 3,067 |
| Average equity | $19,799,000 | 3,193 |
| Average total loans | $93,313,500 | 3,530 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 2,816 |
| Cost of funding earning assets | 0.4147% | 2,862 |
| Net interest margin | 3.6946% | 2,715 |
| Noninterest income to average assets | 0.6175% | 2,566 |
| Noninterest expense to average assets | 2.4791% | 4,079 |
| Loan and lease loss provision to assets | 0.0904% | 2,553 |
| Net operating income to assets | 1.5164% | 804 |
| Return on assets (ROA) | 1.5366% | 798 |
| Pretax return on assets | 1.5366% | 1,472 |
| Return on Equity (ROE) | 14.0689% | 762 |
| Retained earnings to average equity (ytd only) | 6.1214% | 1,644 |
| Net charge-offs to loans | 0.1300% | 1,942 |
| Credit loss provision to net charge-offs | 149.1228% | 1,837 |
| Earnings coverage of net charge-offs (x) | 26.5000% | 1,544 |
| Efficiency ratio | 60.6743% | 4,476 |
| Assets per employee ($millions) | 4.5660% | 3,022 |
| Cash dividends to net income (ytd only)* | 56.4901% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,857 |
| Loan loss allowance to noncurrent loans | 276.3723% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,412 |
| Noncurrent loans to loans | 0.4499% | 3,538 |
| Net loans and leases to total assets | 49.1250% | 4,826 |
| Net loans and leases to deposits | 55.3447% | 4,950 |
| Net loans and leases to core deposits | 58.3791% | 4,944 |
| Total domestic deposits to total assets | 88.7620% | 1,228 |
| Equity capital to assets | 10.3417% | 3,337 |
| Core capital (leverage) ratio | 10.4435% | 2,941 |
| Tier 1 risk-based capital ratio | 20.0644% | 1,365 |
| Total risk-based capital ratio | 21.2898% | 1,337 |
| Memoranda: | ||
| Average total assets | $188,010,000 | 3,079 |
| Average earning assets | $176,502,800 | 3,046 |
| Average equity | $20,534,600 | 3,114 |
| Average total loans | $87,681,600 | 3,625 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,968 |
| Cost of funding earning assets | 0.4111% | 2,919 |
| Net interest margin | 3.6642% | 2,846 |
| Noninterest income to average assets | 0.6269% | 2,536 |
| Noninterest expense to average assets | 2.2931% | 4,548 |
| Loan and lease loss provision to assets | 0.0425% | 3,382 |
| Net operating income to assets | 1.7328% | 558 |
| Return on assets (ROA) | 1.7597% | 560 |
| Pretax return on assets | 1.7597% | 980 |
| Return on Equity (ROE) | 15.9011% | 555 |
| Retained earnings to average equity (ytd only) | 11.4073% | 373 |
| Net charge-offs to loans | 0.0695% | 2,323 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 55.6875% | 1,007 |
| Efficiency ratio | 56.3643% | 5,024 |
| Assets per employee ($millions) | 4.6839% | 2,770 |
| Cash dividends to net income (ytd only)* | 28.2609% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 3,065 |
| Loan loss allowance to noncurrent loans | 386.5052% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,821 |
| Noncurrent loans to loans | 0.3183% | 4,112 |
| Net loans and leases to total assets | 47.8677% | 4,965 |
| Net loans and leases to deposits | 54.7008% | 5,071 |
| Net loans and leases to core deposits | 56.6768% | 5,113 |
| Total domestic deposits to total assets | 87.5081% | 1,659 |
| Equity capital to assets | 11.6667% | 2,386 |
| Core capital (leverage) ratio | 10.8175% | 2,665 |
| Tier 1 risk-based capital ratio | 21.5281% | 1,191 |
| Total risk-based capital ratio | 22.7759% | 1,175 |
| Memoranda: | ||
| Average total assets | $188,211,500 | 3,088 |
| Average earning assets | $176,769,000 | 3,055 |
| Average equity | $20,828,250 | 3,108 |
| Average total loans | $86,321,500 | 3,673 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,118 |
| Cost of funding earning assets | 0.4078% | 2,959 |
| Net interest margin | 3.6280% | 2,985 |
| Noninterest income to average assets | 0.6356% | 2,437 |
| Noninterest expense to average assets | 2.3003% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7433% | 527 |
| Return on assets (ROA) | 1.7645% | 541 |
| Pretax return on assets | 1.7645% | 948 |
| Return on Equity (ROE) | 16.2363% | 508 |
| Retained earnings to average equity (ytd only) | 11.9014% | 340 |
| Net charge-offs to loans | 0.0542% | 2,428 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 71.4348% | 763 |
| Efficiency ratio | 56.8880% | 5,043 |
| Assets per employee ($millions) | 4.7025% | 2,711 |
| Cash dividends to net income (ytd only)* | 26.6987% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 3,140 |
| Loan loss allowance to noncurrent loans | 461.1111% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 5,011 |
| Noncurrent loans to loans | 0.2687% | 4,403 |
| Net loans and leases to total assets | 45.7164% | 5,147 |
| Net loans and leases to deposits | 52.0854% | 5,246 |
| Net loans and leases to core deposits | 53.9480% | 5,278 |
| Total domestic deposits to total assets | 87.7719% | 1,544 |
| Equity capital to assets | 11.4392% | 2,607 |
| Core capital (leverage) ratio | 10.4116% | 3,064 |
| Tier 1 risk-based capital ratio | 21.4514% | 1,203 |
| Total risk-based capital ratio | 22.6837% | 1,184 |
| Memoranda: | ||
| Average total assets | $188,497,330 | 3,103 |
| Average earning assets | $177,068,670 | 3,072 |
| Average equity | $20,485,000 | 3,145 |
| Average total loans | $84,829,000 | 3,724 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,181 |
| Cost of funding earning assets | 0.4062% | 3,002 |
| Net interest margin | 3.6062% | 3,059 |
| Noninterest income to average assets | 0.6190% | 2,421 |
| Noninterest expense to average assets | 2.2936% | 4,682 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7128% | 561 |
| Return on assets (ROA) | 1.7552% | 546 |
| Pretax return on assets | 1.7552% | 931 |
| Return on Equity (ROE) | 16.5857% | 479 |
| Retained earnings to average equity (ytd only) | 11.4578% | 582 |
| Net charge-offs to loans | -0.0287% | 5,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2487% | 5,075 |
| Assets per employee ($millions) | 4.6190% | 2,864 |
| Cash dividends to net income (ytd only)* | 30.9179% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,919 |
| Loan loss allowance to noncurrent loans | 363.2787% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 4,925 |
| Noncurrent loans to loans | 0.3570% | 4,151 |
| Net loans and leases to total assets | 44.5286% | 5,217 |
| Net loans and leases to deposits | 50.3466% | 5,323 |
| Net loans and leases to core deposits | 52.0351% | 5,351 |
| Total domestic deposits to total assets | 88.4442% | 1,380 |
| Equity capital to assets | 10.7891% | 3,171 |
| Core capital (leverage) ratio | 10.1111% | 3,413 |
| Tier 1 risk-based capital ratio | 21.1294% | 1,301 |
| Total risk-based capital ratio | 22.3791% | 1,271 |
| Memoranda: | ||
| Average total assets | $188,696,500 | 3,103 |
| Average earning assets | $177,248,000 | 3,083 |
| Average equity | $19,969,000 | 3,202 |
| Average total loans | $83,708,000 | 3,766 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,851 |
| Cost of funding earning assets | 0.4138% | 3,010 |
| Net interest margin | 3.4446% | 3,741 |
| Noninterest income to average assets | 0.5834% | 2,813 |
| Noninterest expense to average assets | 2.3363% | 4,686 |
| Loan and lease loss provision to assets | 0.1464% | 1,615 |
| Net operating income to assets | 1.3313% | 1,201 |
| Return on assets (ROA) | 1.3718% | 1,143 |
| Pretax return on assets | 1.3718% | 2,017 |
| Return on Equity (ROE) | 13.4134% | 968 |
| Retained earnings to average equity (ytd only) | 6.3553% | 1,627 |
| Net charge-offs to loans | 0.1061% | 2,331 |
| Credit loss provision to net charge-offs | 339.5062% | 884 |
| Earnings coverage of net charge-offs (x) | 34.2716% | 1,323 |
| Efficiency ratio | 61.2561% | 4,725 |
| Assets per employee ($millions) | 4.4766% | 3,082 |
| Cash dividends to net income (ytd only)* | 52.6193% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 2,690 |
| Loan loss allowance to noncurrent loans | 437.3016% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 5,057 |
| Noncurrent loans to loans | 0.3074% | 4,357 |
| Net loans and leases to total assets | 43.0171% | 5,348 |
| Net loans and leases to deposits | 48.5026% | 5,463 |
| Net loans and leases to core deposits | 49.6714% | 5,516 |
| Total domestic deposits to total assets | 88.6903% | 1,287 |
| Equity capital to assets | 10.3746% | 3,530 |
| Core capital (leverage) ratio | 9.7645% | 3,821 |
| Tier 1 risk-based capital ratio | 21.0139% | 1,296 |
| Total risk-based capital ratio | 22.2647% | 1,276 |
| Memoranda: | ||
| Average total assets | $187,858,400 | 3,078 |
| Average earning assets | $176,190,600 | 3,038 |
| Average equity | $19,212,200 | 3,245 |
| Average total loans | $76,341,000 | 3,931 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 4,048 |
| Cost of funding earning assets | 0.4142% | 3,076 |
| Net interest margin | 3.3977% | 3,967 |
| Noninterest income to average assets | 0.5793% | 2,857 |
| Noninterest expense to average assets | 2.0920% | 5,287 |
| Loan and lease loss provision to assets | 0.0887% | 2,382 |
| Net operating income to assets | 1.5838% | 799 |
| Return on assets (ROA) | 1.6349% | 737 |
| Pretax return on assets | 1.6349% | 1,282 |
| Return on Equity (ROE) | 16.0438% | 586 |
| Retained earnings to average equity (ytd only) | 11.5435% | 410 |
| Net charge-offs to loans | 0.0961% | 2,192 |
| Credit loss provision to net charge-offs | 231.4815% | 1,203 |
| Earnings coverage of net charge-offs (x) | 43.6285% | 1,157 |
| Efficiency ratio | 55.5723% | 5,403 |
| Assets per employee ($millions) | 4.4586% | 3,087 |
| Cash dividends to net income (ytd only)* | 28.0503% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 3,519 |
| Loan loss allowance to noncurrent loans | 520.7447% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,224 |
| Noncurrent loans to loans | 0.2351% | 4,729 |
| Net loans and leases to total assets | 42.1812% | 5,482 |
| Net loans and leases to deposits | 47.6314% | 5,591 |
| Net loans and leases to core deposits | 48.4250% | 5,637 |
| Total domestic deposits to total assets | 88.5577% | 1,268 |
| Equity capital to assets | 10.5890% | 3,492 |
| Core capital (leverage) ratio | 10.0182% | 3,602 |
| Tier 1 risk-based capital ratio | 22.3708% | 1,144 |
| Total risk-based capital ratio | 23.5921% | 1,126 |
| Memoranda: | ||
| Average total assets | $187,819,000 | 3,102 |
| Average earning assets | $176,074,000 | 3,066 |
| Average equity | $19,138,750 | 3,285 |
| Average total loans | $74,931,000 | 4,010 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7810% | 4,128 |
| Cost of funding earning assets | 0.4089% | 3,175 |
| Net interest margin | 3.3721% | 4,005 |
| Noninterest income to average assets | 0.5702% | 2,902 |
| Noninterest expense to average assets | 2.0159% | 5,500 |
| Loan and lease loss provision to assets | 0.0532% | 3,058 |
| Net operating income to assets | 1.6595% | 671 |
| Return on assets (ROA) | 1.7361% | 615 |
| Pretax return on assets | 1.7361% | 1,009 |
| Return on Equity (ROE) | 17.2619% | 459 |
| Retained earnings to average equity (ytd only) | 12.6714% | 332 |
| Net charge-offs to loans | 0.0655% | 2,441 |
| Credit loss provision to net charge-offs | 208.3333% | 1,192 |
| Earnings coverage of net charge-offs (x) | 67.0833% | 788 |
| Efficiency ratio | 54.0656% | 5,582 |
| Assets per employee ($millions) | 4.5745% | 2,864 |
| Cash dividends to net income (ytd only)* | 26.5931% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 3,613 |
| Loan loss allowance to noncurrent loans | 301.2903% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,078 |
| Noncurrent loans to loans | 0.4088% | 4,253 |
| Net loans and leases to total assets | 39.9302% | 5,638 |
| Net loans and leases to deposits | 45.7831% | 5,689 |
| Net loans and leases to core deposits | 46.5549% | 5,740 |
| Total domestic deposits to total assets | 87.2160% | 2,054 |
| Equity capital to assets | 10.1922% | 3,814 |
| Core capital (leverage) ratio | 9.7827% | 3,888 |
| Tier 1 risk-based capital ratio | 22.0066% | 1,209 |
| Total risk-based capital ratio | 23.1829% | 1,200 |
| Memoranda: | ||
| Average total assets | $188,005,000 | 3,128 |
| Average earning assets | $176,092,330 | 3,084 |
| Average equity | $18,908,670 | 3,329 |
| Average total loans | $73,252,000 | 4,080 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7792% | 4,093 |
| Cost of funding earning assets | 0.4086% | 3,210 |
| Net interest margin | 3.3707% | 3,947 |
| Noninterest income to average assets | 0.5504% | 2,943 |
| Noninterest expense to average assets | 1.9126% | 5,741 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7936% | 487 |
| Return on assets (ROA) | 1.9232% | 411 |
| Pretax return on assets | 1.9232% | 686 |
| Return on Equity (ROE) | 19.2502% | 304 |
| Retained earnings to average equity (ytd only) | 13.0816% | 436 |
| Net charge-offs to loans | -0.0111% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6055% | 5,834 |
| Assets per employee ($millions) | 4.6289% | 2,864 |
| Cash dividends to net income (ytd only)* | 32.0442% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 3,610 |
| Loan loss allowance to noncurrent loans | 201.7738% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 4,984 |
| Noncurrent loans to loans | 0.6266% | 3,706 |
| Net loans and leases to total assets | 37.4450% | 5,751 |
| Net loans and leases to deposits | 42.0518% | 5,829 |
| Net loans and leases to core deposits | 42.5819% | 5,883 |
| Total domestic deposits to total assets | 89.0450% | 1,234 |
| Equity capital to assets | 10.1420% | 3,961 |
| Core capital (leverage) ratio | 9.4675% | 4,327 |
| Tier 1 risk-based capital ratio | 22.8339% | 1,129 |
| Total risk-based capital ratio | 24.0636% | 1,115 |
| Memoranda: | ||
| Average total assets | $188,230,000 | 3,139 |
| Average earning assets | $176,225,500 | 3,100 |
| Average equity | $18,805,000 | 3,355 |
| Average total loans | $71,965,500 | 4,136 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,302 |
| Cost of funding earning assets | 0.4427% | 3,240 |
| Net interest margin | 3.4109% | 4,154 |
| Noninterest income to average assets | 0.5936% | 2,894 |
| Noninterest expense to average assets | 2.0969% | 5,577 |
| Loan and lease loss provision to assets | 0.0482% | 3,604 |
| Net operating income to assets | 1.6315% | 666 |
| Return on assets (ROA) | 1.6951% | 605 |
| Pretax return on assets | 1.6951% | 995 |
| Return on Equity (ROE) | 16.8965% | 502 |
| Retained earnings to average equity (ytd only) | 5.6284% | 2,178 |
| Net charge-offs to loans | 0.0621% | 3,605 |
| Credit loss provision to net charge-offs | 197.6744% | 1,250 |
| Earnings coverage of net charge-offs (x) | 68.8372% | 718 |
| Efficiency ratio | 55.5222% | 5,712 |
| Assets per employee ($millions) | 5.3336% | 1,923 |
| Cash dividends to net income (ytd only)* | 66.6890% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 3,648 |
| Loan loss allowance to noncurrent loans | 181.2375% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 4,958 |
| Noncurrent loans to loans | 0.6963% | 3,601 |
| Net loans and leases to total assets | 38.0597% | 5,845 |
| Net loans and leases to deposits | 42.6733% | 5,943 |
| Net loans and leases to core deposits | 43.2179% | 5,985 |
| Total domestic deposits to total assets | 89.1887% | 1,129 |
| Equity capital to assets | 9.8363% | 4,306 |
| Core capital (leverage) ratio | 9.3881% | 4,402 |
| Tier 1 risk-based capital ratio | 20.0635% | 1,594 |
| Total risk-based capital ratio | 21.1803% | 1,579 |
| Memoranda: | ||
| Average total assets | $176,216,600 | 3,256 |
| Average earning assets | $164,443,000 | 3,226 |
| Average equity | $17,678,200 | 3,434 |
| Average total loans | $69,288,600 | 4,207 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 4,366 |
| Cost of funding earning assets | 0.4505% | 3,241 |
| Net interest margin | 3.4011% | 4,239 |
| Noninterest income to average assets | 0.5914% | 2,921 |
| Noninterest expense to average assets | 1.9485% | 5,862 |
| Loan and lease loss provision to assets | 0.0653% | 3,049 |
| Net operating income to assets | 1.7496% | 558 |
| Return on assets (ROA) | 1.8333% | 492 |
| Pretax return on assets | 1.8333% | 825 |
| Return on Equity (ROE) | 18.1787% | 422 |
| Retained earnings to average equity (ytd only) | 8.8723% | 1,042 |
| Net charge-offs to loans | 0.1127% | 2,675 |
| Credit loss provision to net charge-offs | 146.5517% | 1,611 |
| Earnings coverage of net charge-offs (x) | 40.7421% | 1,118 |
| Efficiency ratio | 51.7755% | 6,004 |
| Assets per employee ($millions) | 5.2620% | 1,945 |
| Cash dividends to net income (ytd only)* | 51.1938% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 3,950 |
| Loan loss allowance to noncurrent loans | 140.6299% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 4,765 |
| Noncurrent loans to loans | 0.8890% | 3,347 |
| Net loans and leases to total assets | 39.4277% | 5,848 |
| Net loans and leases to deposits | 44.3834% | 5,952 |
| Net loans and leases to core deposits | 44.8933% | 6,000 |
| Total domestic deposits to total assets | 88.8344% | 1,337 |
| Equity capital to assets | 10.2360% | 3,879 |
| Core capital (leverage) ratio | 9.8408% | 3,885 |
| Tier 1 risk-based capital ratio | 20.5254% | 1,547 |
| Total risk-based capital ratio | 21.6390% | 1,542 |
| Memoranda: | ||
| Average total assets | $173,602,000 | 3,317 |
| Average earning assets | $161,904,750 | 3,283 |
| Average equity | $17,507,250 | 3,469 |
| Average total loans | $68,621,750 | 4,254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8429% | 4,354 |
| Cost of funding earning assets | 0.4618% | 3,194 |
| Net interest margin | 3.3811% | 4,254 |
| Noninterest income to average assets | 0.5820% | 2,915 |
| Noninterest expense to average assets | 1.9717% | 5,872 |
| Loan and lease loss provision to assets | 0.0407% | 3,499 |
| Net operating income to assets | 1.7226% | 556 |
| Return on assets (ROA) | 1.8495% | 458 |
| Pretax return on assets | 1.8495% | 758 |
| Return on Equity (ROE) | 18.4353% | 417 |
| Retained earnings to average equity (ytd only) | 13.6321% | 285 |
| Net charge-offs to loans | 0.1537% | 2,159 |
| Credit loss provision to net charge-offs | 67.3077% | 2,519 |
| Earnings coverage of net charge-offs (x) | 29.1346% | 1,278 |
| Efficiency ratio | 52.7890% | 6,007 |
| Assets per employee ($millions) | 4.8702% | 2,378 |
| Cash dividends to net income (ytd only)* | 26.0541% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,254 |
| Loan loss allowance to noncurrent loans | 127.4775% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 4,879 |
| Noncurrent loans to loans | 0.9684% | 3,303 |
| Net loans and leases to total assets | 38.7425% | 5,908 |
| Net loans and leases to deposits | 43.9853% | 5,983 |
| Net loans and leases to core deposits | 44.5122% | 6,047 |
| Total domestic deposits to total assets | 88.0806% | 1,860 |
| Equity capital to assets | 10.4143% | 3,548 |
| Core capital (leverage) ratio | 9.9464% | 3,690 |
| Tier 1 risk-based capital ratio | 21.0050% | 1,447 |
| Total risk-based capital ratio | 22.0907% | 1,455 |
| Memoranda: | ||
| Average total assets | $171,833,670 | 3,357 |
| Average earning assets | $160,242,670 | 3,321 |
| Average equity | $17,238,670 | 3,510 |
| Average total loans | $67,685,000 | 4,307 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8292% | 4,365 |
| Cost of funding earning assets | 0.4865% | 3,047 |
| Net interest margin | 3.3426% | 4,358 |
| Noninterest income to average assets | 0.5621% | 2,969 |
| Noninterest expense to average assets | 2.1612% | 5,553 |
| Loan and lease loss provision to assets | 0.0118% | 3,676 |
| Net operating income to assets | 1.5075% | 800 |
| Return on assets (ROA) | 1.6980% | 593 |
| Pretax return on assets | 1.6980% | 980 |
| Return on Equity (ROE) | 17.2640% | 509 |
| Retained earnings to average equity (ytd only) | 11.4774% | 677 |
| Net charge-offs to loans | 0.2502% | 1,325 |
| Credit loss provision to net charge-offs | 11.9048% | 2,590 |
| Earnings coverage of net charge-offs (x) | 15.3810% | 1,551 |
| Efficiency ratio | 58.7220% | 5,578 |
| Assets per employee ($millions) | 5.1376% | 2,087 |
| Cash dividends to net income (ytd only)* | 33.5180% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 4,431 |
| Loan loss allowance to noncurrent loans | 587.9433% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0807% | 6,010 |
| Noncurrent loans to loans | 0.2112% | 5,461 |
| Net loans and leases to total assets | 37.7395% | 5,961 |
| Net loans and leases to deposits | 42.2722% | 6,064 |
| Net loans and leases to core deposits | 42.7713% | 6,132 |
| Total domestic deposits to total assets | 89.2775% | 1,484 |
| Equity capital to assets | 9.7808% | 4,133 |
| Core capital (leverage) ratio | 9.8938% | 3,721 |
| Tier 1 risk-based capital ratio | 20.5554% | 1,568 |
| Total risk-based capital ratio | 21.6376% | 1,588 |
| Memoranda: | ||
| Average total assets | $170,087,000 | 3,407 |
| Average earning assets | $158,676,500 | 3,363 |
| Average equity | $16,728,500 | 3,588 |
| Average total loans | $67,140,000 | 4,353 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0474% | 3,930 |
| Cost of funding earning assets | 0.5413% | 3,181 |
| Net interest margin | 3.5060% | 3,872 |
| Noninterest income to average assets | 0.6065% | 3,055 |
| Noninterest expense to average assets | 2.3839% | 5,116 |
| Loan and lease loss provision to assets | 0.0128% | 4,867 |
| Net operating income to assets | 1.4674% | 883 |
| Return on assets (ROA) | 1.5064% | 850 |
| Pretax return on assets | 1.5064% | 1,424 |
| Return on Equity (ROE) | 13.9278% | 964 |
| Retained earnings to average equity (ytd only) | 5.5368% | 2,252 |
| Net charge-offs to loans | -0.0487% | 6,331 |
| Credit loss provision to net charge-offs | -62.5000% | 5,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6937% | 5,260 |
| Assets per employee ($millions) | 4.8675% | 2,352 |
| Cash dividends to net income (ytd only)* | 60.2461% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 4,221 |
| Loan loss allowance to noncurrent loans | 558.7097% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 6,059 |
| Noncurrent loans to loans | 0.2295% | 5,496 |
| Net loans and leases to total assets | 40.2804% | 5,939 |
| Net loans and leases to deposits | 45.2802% | 6,059 |
| Net loans and leases to core deposits | 45.8445% | 6,143 |
| Total domestic deposits to total assets | 88.9580% | 1,659 |
| Equity capital to assets | 9.8927% | 3,911 |
| Core capital (leverage) ratio | 10.1360% | 3,382 |
| Tier 1 risk-based capital ratio | 20.7115% | 1,486 |
| Total risk-based capital ratio | 21.8636% | 1,486 |
| Memoranda: | ||
| Average total assets | $156,467,000 | 3,613 |
| Average earning assets | $145,378,800 | 3,581 |
| Average equity | $16,923,000 | 3,571 |
| Average total loans | $65,767,600 | 4,418 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0574% | 3,904 |
| Cost of funding earning assets | 0.5541% | 3,223 |
| Net interest margin | 3.5033% | 3,868 |
| Noninterest income to average assets | 0.6191% | 3,042 |
| Noninterest expense to average assets | 2.2739% | 5,425 |
| Loan and lease loss provision to assets | 0.0173% | 4,666 |
| Net operating income to assets | 1.5805% | 777 |
| Return on assets (ROA) | 1.6332% | 750 |
| Pretax return on assets | 1.6332% | 1,258 |
| Return on Equity (ROE) | 14.7625% | 842 |
| Retained earnings to average equity (ytd only) | 10.6206% | 659 |
| Net charge-offs to loans | -0.0612% | 6,373 |
| Credit loss provision to net charge-offs | -66.6667% | 5,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7316% | 5,597 |
| Assets per employee ($millions) | 4.3789% | 3,086 |
| Cash dividends to net income (ytd only)* | 28.0573% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 4,460 |
| Loan loss allowance to noncurrent loans | 467.0270% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 6,079 |
| Noncurrent loans to loans | 0.2757% | 5,545 |
| Net loans and leases to total assets | 42.0170% | 5,902 |
| Net loans and leases to deposits | 47.5997% | 5,989 |
| Net loans and leases to core deposits | 48.2249% | 6,114 |
| Total domestic deposits to total assets | 88.2715% | 1,953 |
| Equity capital to assets | 10.6330% | 3,124 |
| Core capital (leverage) ratio | 10.6530% | 2,835 |
| Tier 1 risk-based capital ratio | 21.6189% | 1,381 |
| Total risk-based capital ratio | 22.7871% | 1,366 |
| Memoranda: | ||
| Average total assets | $154,210,000 | 3,670 |
| Average earning assets | $143,174,250 | 3,652 |
| Average equity | $17,060,750 | 3,593 |
| Average total loans | $65,327,500 | 4,474 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,843 |
| Cost of funding earning assets | 0.5607% | 3,301 |
| Net interest margin | 3.5104% | 3,739 |
| Noninterest income to average assets | 0.6376% | 2,977 |
| Noninterest expense to average assets | 2.2539% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6398% | 692 |
| Return on assets (ROA) | 1.6607% | 739 |
| Pretax return on assets | 1.6607% | 1,210 |
| Return on Equity (ROE) | 14.8132% | 842 |
| Retained earnings to average equity (ytd only) | 10.6175% | 717 |
| Net charge-offs to loans | -0.0803% | 6,436 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8859% | 5,746 |
| Assets per employee ($millions) | 4.2745% | 3,218 |
| Cash dividends to net income (ytd only)* | 28.3242% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 4,569 |
| Loan loss allowance to noncurrent loans | 535.0318% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 6,191 |
| Noncurrent loans to loans | 0.2405% | 5,702 |
| Net loans and leases to total assets | 41.8788% | 5,904 |
| Net loans and leases to deposits | 47.6097% | 6,006 |
| Net loans and leases to core deposits | 48.2499% | 6,119 |
| Total domestic deposits to total assets | 87.9629% | 2,273 |
| Equity capital to assets | 10.9460% | 2,803 |
| Core capital (leverage) ratio | 10.4401% | 2,950 |
| Tier 1 risk-based capital ratio | 21.3456% | 1,410 |
| Total risk-based capital ratio | 22.5138% | 1,402 |
| Memoranda: | ||
| Average total assets | $153,066,330 | 3,720 |
| Average earning assets | $141,978,000 | 3,693 |
| Average equity | $17,160,330 | 3,602 |
| Average total loans | $64,736,670 | 4,510 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1090% | 3,687 |
| Cost of funding earning assets | 0.5737% | 3,343 |
| Net interest margin | 3.5353% | 3,544 |
| Noninterest income to average assets | 0.6027% | 3,124 |
| Noninterest expense to average assets | 2.2429% | 5,580 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6376% | 663 |
| Return on assets (ROA) | 1.6822% | 671 |
| Pretax return on assets | 1.6822% | 1,121 |
| Return on Equity (ROE) | 14.8281% | 803 |
| Retained earnings to average equity (ytd only) | 10.6707% | 943 |
| Net charge-offs to loans | -0.1862% | 6,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7988% | 5,871 |
| Assets per employee ($millions) | 4.3176% | 3,303 |
| Cash dividends to net income (ytd only)* | 28.0374% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,707 |
| Loan loss allowance to noncurrent loans | 570.2703% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 6,173 |
| Noncurrent loans to loans | 0.2277% | 5,846 |
| Net loans and leases to total assets | 41.2709% | 5,895 |
| Net loans and leases to deposits | 47.0439% | 5,986 |
| Net loans and leases to core deposits | 47.6693% | 6,109 |
| Total domestic deposits to total assets | 87.7286% | 2,503 |
| Equity capital to assets | 11.2498% | 2,676 |
| Core capital (leverage) ratio | 10.2228% | 3,117 |
| Tier 1 risk-based capital ratio | 21.1164% | 1,512 |
| Total risk-based capital ratio | 22.2930% | 1,499 |
| Memoranda: | ||
| Average total assets | $152,658,500 | 3,763 |
| Average earning assets | $141,542,500 | 3,738 |
| Average equity | $17,318,500 | 3,616 |
| Average total loans | $64,463,000 | 4,542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 4,048 |
| Cost of funding earning assets | 0.6747% | 3,689 |
| Net interest margin | 3.6673% | 3,795 |
| Noninterest income to average assets | 0.6196% | 3,167 |
| Noninterest expense to average assets | 2.3747% | 5,481 |
| Loan and lease loss provision to assets | 0.0810% | 4,687 |
| Net operating income to assets | 1.5321% | 860 |
| Return on assets (ROA) | 1.5314% | 951 |
| Pretax return on assets | 1.5314% | 1,590 |
| Return on Equity (ROE) | 12.8005% | 1,281 |
| Retained earnings to average equity (ytd only) | 3.5415% | 3,724 |
| Net charge-offs to loans | 0.0457% | 5,272 |
| Credit loss provision to net charge-offs | 417.8571% | 575 |
| Earnings coverage of net charge-offs (x) | 83.2143% | 463 |
| Efficiency ratio | 59.1667% | 5,677 |
| Assets per employee ($millions) | 4.2824% | 3,394 |
| Cash dividends to net income (ytd only)* | 72.3327% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2732% | 4,763 |
| Loan loss allowance to noncurrent loans | 684.0336% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1194% | 6,269 |
| Noncurrent loans to loans | 0.1861% | 6,007 |
| Net loans and leases to total assets | 42.1122% | 5,998 |
| Net loans and leases to deposits | 48.2049% | 6,095 |
| Net loans and leases to core deposits | 48.6808% | 6,226 |
| Total domestic deposits to total assets | 87.3608% | 2,608 |
| Equity capital to assets | 11.4429% | 2,501 |
| Core capital (leverage) ratio | 10.2456% | 3,080 |
| Tier 1 risk-based capital ratio | 20.9918% | 1,464 |
| Total risk-based capital ratio | 22.1748% | 1,454 |
| Memoranda: | ||
| Average total assets | $144,440,400 | 3,875 |
| Average earning assets | $132,658,000 | 3,846 |
| Average equity | $17,280,600 | 3,577 |
| Average total loans | $61,267,600 | 4,666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3817% | 4,127 |
| Cost of funding earning assets | 0.6940% | 3,824 |
| Net interest margin | 3.6876% | 3,847 |
| Noninterest income to average assets | 0.6188% | 3,162 |
| Noninterest expense to average assets | 2.2393% | 5,855 |
| Loan and lease loss provision to assets | 0.1090% | 4,208 |
| Net operating income to assets | 1.6522% | 760 |
| Return on assets (ROA) | 1.6513% | 840 |
| Pretax return on assets | 1.6513% | 1,405 |
| Return on Equity (ROE) | 13.6465% | 1,185 |
| Retained earnings to average equity (ytd only) | 9.5648% | 1,040 |
| Net charge-offs to loans | 0.0264% | 5,296 |
| Credit loss provision to net charge-offs | 975.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 157.4963% | 279 |
| Efficiency ratio | 55.4624% | 6,109 |
| Assets per employee ($millions) | 4.3197% | 3,235 |
| Cash dividends to net income (ytd only)* | 29.9097% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 4,895 |
| Loan loss allowance to noncurrent loans | 638.4615% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 6,390 |
| Noncurrent loans to loans | 0.2007% | 6,106 |
| Net loans and leases to total assets | 43.5419% | 6,002 |
| Net loans and leases to deposits | 50.2941% | 6,085 |
| Net loans and leases to core deposits | 50.8036% | 6,247 |
| Total domestic deposits to total assets | 86.5745% | 2,936 |
| Equity capital to assets | 12.3177% | 2,022 |
| Core capital (leverage) ratio | 10.8350% | 2,560 |
| Tier 1 risk-based capital ratio | 21.5463% | 1,413 |
| Total risk-based capital ratio | 22.7342% | 1,399 |
| Memoranda: | ||
| Average total assets | $143,079,750 | 3,937 |
| Average earning assets | $131,210,000 | 3,912 |
| Average equity | $17,313,000 | 3,607 |
| Average total loans | $60,601,250 | 4,741 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 4,172 |
| Cost of funding earning assets | 0.7111% | 3,930 |
| Net interest margin | 3.6927% | 3,858 |
| Noninterest income to average assets | 0.6191% | 3,133 |
| Noninterest expense to average assets | 2.2423% | 5,900 |
| Loan and lease loss provision to assets | 0.0776% | 4,645 |
| Net operating income to assets | 1.6825% | 697 |
| Return on assets (ROA) | 1.6825% | 780 |
| Pretax return on assets | 1.6825% | 1,308 |
| Return on Equity (ROE) | 13.9911% | 1,124 |
| Retained earnings to average equity (ytd only) | 10.2383% | 908 |
| Net charge-offs to loans | -0.0068% | 6,217 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2502% | 6,199 |
| Assets per employee ($millions) | 4.3051% | 3,251 |
| Cash dividends to net income (ytd only)* | 26.8231% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2796% | 4,989 |
| Loan loss allowance to noncurrent loans | 558.5714% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 6,410 |
| Noncurrent loans to loans | 0.2291% | 6,118 |
| Net loans and leases to total assets | 42.4660% | 6,155 |
| Net loans and leases to deposits | 49.1175% | 6,232 |
| Net loans and leases to core deposits | 49.5284% | 6,366 |
| Total domestic deposits to total assets | 86.4580% | 3,097 |
| Equity capital to assets | 12.4095% | 1,871 |
| Core capital (leverage) ratio | 10.9740% | 2,325 |
| Tier 1 risk-based capital ratio | 22.0286% | 1,285 |
| Total risk-based capital ratio | 23.2122% | 1,278 |
| Memoranda: | ||
| Average total assets | $141,816,330 | 3,974 |
| Average earning assets | $129,930,670 | 3,963 |
| Average equity | $17,053,670 | 3,639 |
| Average total loans | $59,208,330 | 4,818 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3997% | 4,338 |
| Cost of funding earning assets | 0.7210% | 4,101 |
| Net interest margin | 3.6788% | 3,928 |
| Noninterest income to average assets | 0.6380% | 3,004 |
| Noninterest expense to average assets | 2.4278% | 5,379 |
| Loan and lease loss provision to assets | 0.0847% | 4,325 |
| Net operating income to assets | 1.4962% | 1,026 |
| Return on assets (ROA) | 1.4934% | 1,156 |
| Pretax return on assets | 1.4934% | 1,888 |
| Return on Equity (ROE) | 12.6212% | 1,504 |
| Retained earnings to average equity (ytd only) | 8.3266% | 1,849 |
| Net charge-offs to loans | -0.0275% | 6,305 |
| Credit loss provision to net charge-offs | -750.0000% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7887% | 5,646 |
| Assets per employee ($millions) | 4.3383% | 3,320 |
| Cash dividends to net income (ytd only)* | 34.0265% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 5,053 |
| Loan loss allowance to noncurrent loans | 327.1552% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 6,378 |
| Noncurrent loans to loans | 0.3951% | 5,885 |
| Net loans and leases to total assets | 40.4820% | 6,310 |
| Net loans and leases to deposits | 46.4674% | 6,392 |
| Net loans and leases to core deposits | 46.8487% | 6,516 |
| Total domestic deposits to total assets | 87.1191% | 2,890 |
| Equity capital to assets | 11.7885% | 2,195 |
| Core capital (leverage) ratio | 10.6093% | 2,637 |
| Tier 1 risk-based capital ratio | 21.6262% | 1,355 |
| Total risk-based capital ratio | 22.8110% | 1,343 |
| Memoranda: | ||
| Average total assets | $141,690,000 | 4,005 |
| Average earning assets | $129,826,000 | 3,993 |
| Average equity | $16,765,500 | 3,684 |
| Average total loans | $58,256,000 | 4,894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 4,887 |
| Cost of funding earning assets | 0.8263% | 4,659 |
| Net interest margin | 3.7204% | 4,209 |
| Noninterest income to average assets | 0.6762% | 2,749 |
| Noninterest expense to average assets | 2.3943% | 5,789 |
| Loan and lease loss provision to assets | 0.1055% | 5,268 |
| Net operating income to assets | 1.5673% | 719 |
| Return on assets (ROA) | 1.5907% | 739 |
| Pretax return on assets | 1.5907% | 1,226 |
| Return on Equity (ROE) | 13.2995% | 1,087 |
| Retained earnings to average equity (ytd only) | 4.4122% | 3,032 |
| Net charge-offs to loans | 0.0744% | 5,575 |
| Credit loss provision to net charge-offs | 341.4634% | 680 |
| Earnings coverage of net charge-offs (x) | 54.1220% | 521 |
| Efficiency ratio | 58.0723% | 6,048 |
| Assets per employee ($millions) | 4.2489% | 3,371 |
| Cash dividends to net income (ytd only)* | 66.8246% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,141 |
| Loan loss allowance to noncurrent loans | 364.3216% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,430 |
| Noncurrent loans to loans | 0.3443% | 6,039 |
| Net loans and leases to total assets | 40.7032% | 6,492 |
| Net loans and leases to deposits | 46.8371% | 6,576 |
| Net loans and leases to core deposits | 47.2298% | 6,681 |
| Total domestic deposits to total assets | 86.9037% | 2,816 |
| Equity capital to assets | 11.8775% | 2,213 |
| Core capital (leverage) ratio | 10.4958% | 2,738 |
| Tier 1 risk-based capital ratio | 21.3416% | 1,348 |
| Total risk-based capital ratio | 22.4536% | 1,352 |
| Memoranda: | ||
| Average total assets | $132,649,400 | 4,113 |
| Average earning assets | $120,902,000 | 4,117 |
| Average equity | $15,865,200 | 3,748 |
| Average total loans | $55,136,800 | 5,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 5,015 |
| Cost of funding earning assets | 0.8475% | 4,790 |
| Net interest margin | 3.7178% | 4,257 |
| Noninterest income to average assets | 0.6893% | 2,672 |
| Noninterest expense to average assets | 2.2973% | 6,046 |
| Loan and lease loss provision to assets | 0.1122% | 5,023 |
| Net operating income to assets | 1.6661% | 685 |
| Return on assets (ROA) | 1.6651% | 747 |
| Pretax return on assets | 1.6651% | 1,216 |
| Return on Equity (ROE) | 13.8963% | 1,056 |
| Retained earnings to average equity (ytd only) | 9.5564% | 965 |
| Net charge-offs to loans | 0.0808% | 5,170 |
| Credit loss provision to net charge-offs | 333.3333% | 846 |
| Earnings coverage of net charge-offs (x) | 52.8473% | 615 |
| Efficiency ratio | 55.5667% | 6,335 |
| Assets per employee ($millions) | 4.1752% | 3,493 |
| Cash dividends to net income (ytd only)* | 31.2307% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,235 |
| Loan loss allowance to noncurrent loans | 248.4099% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 6,368 |
| Noncurrent loans to loans | 0.5042% | 5,834 |
| Net loans and leases to total assets | 40.2280% | 6,609 |
| Net loans and leases to deposits | 46.5070% | 6,718 |
| Net loans and leases to core deposits | 46.9041% | 6,803 |
| Total domestic deposits to total assets | 86.4990% | 2,935 |
| Equity capital to assets | 12.3354% | 2,009 |
| Core capital (leverage) ratio | 11.0905% | 2,323 |
| Tier 1 risk-based capital ratio | 22.5383% | 1,211 |
| Total risk-based capital ratio | 23.6444% | 1,207 |
| Memoranda: | ||
| Average total assets | $130,758,000 | 4,187 |
| Average earning assets | $119,098,250 | 4,175 |
| Average equity | $15,668,000 | 3,793 |
| Average total loans | $54,471,750 | 5,141 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 5,006 |
| Cost of funding earning assets | 0.8769% | 4,850 |
| Net interest margin | 3.7132% | 4,202 |
| Noninterest income to average assets | 0.7164% | 2,450 |
| Noninterest expense to average assets | 2.3439% | 6,015 |
| Loan and lease loss provision to assets | 0.0934% | 5,158 |
| Net operating income to assets | 1.6555% | 659 |
| Return on assets (ROA) | 1.6555% | 700 |
| Pretax return on assets | 1.6555% | 1,146 |
| Return on Equity (ROE) | 13.9636% | 990 |
| Retained earnings to average equity (ytd only) | 9.6287% | 930 |
| Net charge-offs to loans | 0.0668% | 4,969 |
| Credit loss provision to net charge-offs | 333.3333% | 913 |
| Earnings coverage of net charge-offs (x) | 62.3889% | 528 |
| Efficiency ratio | 56.4688% | 6,370 |
| Assets per employee ($millions) | 4.0471% | 3,663 |
| Cash dividends to net income (ytd only)* | 31.0442% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 5,382 |
| Loan loss allowance to noncurrent loans | 259.9222% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,513 |
| Noncurrent loans to loans | 0.4755% | 5,954 |
| Net loans and leases to total assets | 39.9666% | 6,746 |
| Net loans and leases to deposits | 46.0281% | 6,829 |
| Net loans and leases to core deposits | 46.3922% | 6,915 |
| Total domestic deposits to total assets | 86.8308% | 2,833 |
| Equity capital to assets | 12.0019% | 2,086 |
| Core capital (leverage) ratio | 11.0904% | 2,178 |
| Tier 1 risk-based capital ratio | 22.8809% | 1,137 |
| Total risk-based capital ratio | 23.9843% | 1,142 |
| Memoranda: | ||
| Average total assets | $128,416,670 | 4,260 |
| Average earning assets | $116,773,330 | 4,259 |
| Average equity | $15,225,330 | 3,868 |
| Average total loans | $53,919,000 | 5,215 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5998% | 4,948 |
| Cost of funding earning assets | 0.9354% | 4,683 |
| Net interest margin | 3.6645% | 4,265 |
| Noninterest income to average assets | 0.7565% | 2,232 |
| Noninterest expense to average assets | 2.5014% | 5,546 |
| Loan and lease loss provision to assets | 0.0318% | 5,576 |
| Net operating income to assets | 1.5479% | 782 |
| Return on assets (ROA) | 1.5479% | 819 |
| Pretax return on assets | 1.5479% | 1,306 |
| Return on Equity (ROE) | 13.1413% | 1,160 |
| Retained earnings to average equity (ytd only) | 8.5540% | 1,537 |
| Net charge-offs to loans | 0.0966% | 3,978 |
| Credit loss provision to net charge-offs | 76.9231% | 3,216 |
| Earnings coverage of net charge-offs (x) | 38.2308% | 706 |
| Efficiency ratio | 60.4361% | 5,912 |
| Assets per employee ($millions) | 3.9312% | 3,990 |
| Cash dividends to net income (ytd only)* | 34.9076% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 5,785 |
| Loan loss allowance to noncurrent loans | 336.7568% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 6,663 |
| Noncurrent loans to loans | 0.3458% | 6,302 |
| Net loans and leases to total assets | 40.7645% | 6,722 |
| Net loans and leases to deposits | 46.7590% | 6,805 |
| Net loans and leases to core deposits | 47.0326% | 6,924 |
| Total domestic deposits to total assets | 87.1801% | 2,844 |
| Equity capital to assets | 11.6613% | 2,149 |
| Core capital (leverage) ratio | 11.4607% | 1,868 |
| Tier 1 risk-based capital ratio | 22.7524% | 1,118 |
| Total risk-based capital ratio | 23.7979% | 1,117 |
| Memoranda: | ||
| Average total assets | $125,848,000 | 4,335 |
| Average earning assets | $114,178,000 | 4,350 |
| Average equity | $14,823,500 | 3,934 |
| Average total loans | $53,856,000 | 5,260 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 4,937 |
| Cost of funding earning assets | 1.1586% | 4,798 |
| Net interest margin | 3.7564% | 4,124 |
| Noninterest income to average assets | 0.7319% | 2,636 |
| Noninterest expense to average assets | 2.6005% | 5,409 |
| Loan and lease loss provision to assets | 0.1349% | 5,823 |
| Net operating income to assets | 1.3796% | 990 |
| Return on assets (ROA) | 1.3820% | 1,052 |
| Pretax return on assets | 1.3820% | 1,709 |
| Return on Equity (ROE) | 11.2313% | 1,516 |
| Retained earnings to average equity (ytd only) | 2.8178% | 3,878 |
| Net charge-offs to loans | 0.1255% | 5,637 |
| Credit loss provision to net charge-offs | 250.0000% | 1,132 |
| Earnings coverage of net charge-offs (x) | 28.0606% | 777 |
| Efficiency ratio | 62.3410% | 5,670 |
| Assets per employee ($millions) | 3.8115% | 4,224 |
| Cash dividends to net income (ytd only)* | 74.9112% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1549% | 5,714 |
| Loan loss allowance to noncurrent loans | 156.5000% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,306 |
| Noncurrent loans to loans | 0.7379% | 5,571 |
| Net loans and leases to total assets | 43.9296% | 6,718 |
| Net loans and leases to deposits | 50.6604% | 6,820 |
| Net loans and leases to core deposits | 50.9757% | 6,945 |
| Total domestic deposits to total assets | 86.7137% | 2,971 |
| Equity capital to assets | 11.9039% | 1,965 |
| Core capital (leverage) ratio | 11.3819% | 1,903 |
| Tier 1 risk-based capital ratio | 22.4100% | 1,122 |
| Total risk-based capital ratio | 23.4609% | 1,120 |
| Memoranda: | ||
| Average total assets | $122,286,000 | 4,441 |
| Average earning assets | $110,131,200 | 4,462 |
| Average equity | $15,047,200 | 3,934 |
| Average total loans | $52,570,000 | 5,377 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 5,020 |
| Cost of funding earning assets | 1.2080% | 4,821 |
| Net interest margin | 3.7463% | 4,204 |
| Noninterest income to average assets | 0.7398% | 2,583 |
| Noninterest expense to average assets | 2.4723% | 5,815 |
| Loan and lease loss provision to assets | 0.1416% | 5,615 |
| Net operating income to assets | 1.4949% | 932 |
| Return on assets (ROA) | 1.4982% | 1,006 |
| Pretax return on assets | 1.4982% | 1,626 |
| Return on Equity (ROE) | 12.0776% | 1,483 |
| Retained earnings to average equity (ytd only) | 7.9844% | 1,424 |
| Net charge-offs to loans | 0.1329% | 5,234 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 28.8853% | 903 |
| Efficiency ratio | 59.3211% | 6,064 |
| Assets per employee ($millions) | 3.7248% | 4,448 |
| Cash dividends to net income (ytd only)* | 33.8910% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,807 |
| Loan loss allowance to noncurrent loans | 184.4512% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 6,500 |
| Noncurrent loans to loans | 0.6130% | 5,977 |
| Net loans and leases to total assets | 41.7725% | 6,988 |
| Net loans and leases to deposits | 48.4495% | 7,067 |
| Net loans and leases to core deposits | 48.7410% | 7,173 |
| Total domestic deposits to total assets | 86.2187% | 2,963 |
| Equity capital to assets | 12.5250% | 1,842 |
| Core capital (leverage) ratio | 11.1857% | 2,138 |
| Tier 1 risk-based capital ratio | 21.8893% | 1,225 |
| Total risk-based capital ratio | 22.8514% | 1,247 |
| Memoranda: | ||
| Average total assets | $122,365,500 | 4,497 |
| Average earning assets | $110,043,500 | 4,530 |
| Average equity | $15,179,250 | 3,957 |
| Average total loans | $52,161,000 | 5,473 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0310% | 4,797 |
| Cost of funding earning assets | 1.2522% | 4,811 |
| Net interest margin | 3.7788% | 3,999 |
| Noninterest income to average assets | 0.7591% | 2,333 |
| Noninterest expense to average assets | 2.4293% | 5,980 |
| Loan and lease loss provision to assets | 0.1654% | 5,232 |
| Net operating income to assets | 1.5528% | 810 |
| Return on assets (ROA) | 1.5578% | 854 |
| Pretax return on assets | 1.5578% | 1,410 |
| Return on Equity (ROE) | 12.6006% | 1,329 |
| Retained earnings to average equity (ytd only) | 8.1864% | 1,382 |
| Net charge-offs to loans | 0.0967% | 5,178 |
| Credit loss provision to net charge-offs | 400.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 41.5600% | 706 |
| Efficiency ratio | 57.6954% | 6,418 |
| Assets per employee ($millions) | 3.6566% | 4,575 |
| Cash dividends to net income (ytd only)* | 35.0318% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,561 |
| Loan loss allowance to noncurrent loans | 138.0734% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 6,227 |
| Noncurrent loans to loans | 0.8536% | 5,556 |
| Net loans and leases to total assets | 40.5976% | 7,128 |
| Net loans and leases to deposits | 46.9586% | 7,207 |
| Net loans and leases to core deposits | 51.5915% | 7,152 |
| Total domestic deposits to total assets | 86.4541% | 2,846 |
| Equity capital to assets | 12.2759% | 1,936 |
| Core capital (leverage) ratio | 11.4678% | 1,931 |
| Tier 1 risk-based capital ratio | 23.9875% | 945 |
| Total risk-based capital ratio | 23.9875% | 1,078 |
| Memoranda: | ||
| Average total assets | $120,939,670 | 4,548 |
| Average earning assets | $108,448,000 | 4,597 |
| Average equity | $14,951,670 | 4,004 |
| Average total loans | $51,712,330 | 5,532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1644% | 4,226 |
| Cost of funding earning assets | 1.2770% | 4,952 |
| Net interest margin | 3.8874% | 3,385 |
| Noninterest income to average assets | 0.8017% | 2,013 |
| Noninterest expense to average assets | 2.3883% | 6,131 |
| Loan and lease loss provision to assets | 0.1677% | 4,857 |
| Net operating income to assets | 1.7174% | 591 |
| Return on assets (ROA) | 1.7275% | 635 |
| Pretax return on assets | 1.7275% | 1,008 |
| Return on Equity (ROE) | 13.9222% | 1,064 |
| Retained earnings to average equity (ytd only) | 9.3265% | 1,313 |
| Net charge-offs to loans | 0.0692% | 4,720 |
| Credit loss provision to net charge-offs | 555.5556% | 775 |
| Earnings coverage of net charge-offs (x) | 62.4444% | 492 |
| Efficiency ratio | 55.0235% | 6,889 |
| Assets per employee ($millions) | 3.6939% | 4,587 |
| Cash dividends to net income (ytd only)* | 33.0097% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 6,036 |
| Loan loss allowance to noncurrent loans | 130.5747% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,433 |
| Noncurrent loans to loans | 0.8375% | 5,639 |
| Net loans and leases to total assets | 42.1411% | 7,119 |
| Net loans and leases to deposits | 48.7539% | 7,192 |
| Net loans and leases to core deposits | 53.5199% | 7,133 |
| Total domestic deposits to total assets | 86.4364% | 2,926 |
| Equity capital to assets | 12.3052% | 1,872 |
| Core capital (leverage) ratio | 11.7687% | 1,768 |
| Tier 1 risk-based capital ratio | 23.0557% | 1,065 |
| Total risk-based capital ratio | 24.0402% | 1,080 |
| Memoranda: | ||
| Average total assets | $119,247,000 | 4,650 |
| Average earning assets | $106,498,500 | 4,684 |
| Average equity | $14,796,500 | 4,057 |
| Average total loans | $52,031,000 | 5,584 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6417% | 3,390 |
| Cost of funding earning assets | 1.5166% | 5,452 |
| Net interest margin | 4.1251% | 2,347 |
| Noninterest income to average assets | 0.7329% | 2,771 |
| Noninterest expense to average assets | 2.6812% | 5,476 |
| Loan and lease loss provision to assets | 0.1095% | 6,555 |
| Net operating income to assets | 1.5814% | 569 |
| Return on assets (ROA) | 1.5814% | 608 |
| Pretax return on assets | 1.5814% | 1,001 |
| Return on Equity (ROE) | 12.5184% | 1,050 |
| Retained earnings to average equity (ytd only) | 4.0203% | 2,401 |
| Net charge-offs to loans | 0.2092% | 5,317 |
| Credit loss provision to net charge-offs | 117.9245% | 4,591 |
| Earnings coverage of net charge-offs (x) | 18.2170% | 1,140 |
| Efficiency ratio | 60.4647% | 6,413 |
| Assets per employee ($millions) | 3.4292% | 5,184 |
| Cash dividends to net income (ytd only)* | 67.8848% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 6,321 |
| Loan loss allowance to noncurrent loans | 108.8843% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 6,422 |
| Noncurrent loans to loans | 0.9286% | 5,456 |
| Net loans and leases to total assets | 44.2536% | 7,105 |
| Net loans and leases to deposits | 51.4324% | 7,176 |
| Net loans and leases to core deposits | 63.1797% | 7,139 |
| Total domestic deposits to total assets | 86.0422% | 2,996 |
| Equity capital to assets | 12.5161% | 1,741 |
| Core capital (leverage) ratio | 11.3890% | 1,976 |
| Tier 1 risk-based capital ratio | 17.9400% | 1,910 |
| Total risk-based capital ratio | 18.6715% | 2,006 |
| Memoranda: | ||
| Average total assets | $114,203,600 | 4,719 |
| Average earning assets | $100,749,600 | 4,825 |
| Average equity | $14,426,800 | 4,165 |
| Average total loans | $50,666,800 | 5,639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7111% | 3,287 |
| Cost of funding earning assets | 1.5601% | 5,588 |
| Net interest margin | 4.1510% | 2,211 |
| Noninterest income to average assets | 0.7359% | 2,790 |
| Noninterest expense to average assets | 2.4986% | 6,068 |
| Loan and lease loss provision to assets | 0.0880% | 6,485 |
| Net operating income to assets | 1.8121% | 432 |
| Return on assets (ROA) | 1.8121% | 464 |
| Pretax return on assets | 1.8121% | 783 |
| Return on Equity (ROE) | 14.3106% | 873 |
| Retained earnings to average equity (ytd only) | 9.9915% | 636 |
| Net charge-offs to loans | 0.1882% | 4,890 |
| Credit loss provision to net charge-offs | 105.6338% | 4,812 |
| Earnings coverage of net charge-offs (x) | 22.8038% | 1,143 |
| Efficiency ratio | 55.9498% | 7,006 |
| Assets per employee ($millions) | 3.3878% | 5,187 |
| Cash dividends to net income (ytd only)* | 30.1814% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 6,297 |
| Loan loss allowance to noncurrent loans | 167.8689% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 6,843 |
| Noncurrent loans to loans | 0.5951% | 6,119 |
| Net loans and leases to total assets | 44.0483% | 7,244 |
| Net loans and leases to deposits | 51.5678% | 7,325 |
| Net loans and leases to core deposits | 63.1772% | 7,279 |
| Total domestic deposits to total assets | 85.4182% | 3,014 |
| Equity capital to assets | 13.1771% | 1,632 |
| Core capital (leverage) ratio | 12.0923% | 1,759 |
| Tier 1 risk-based capital ratio | 23.7220% | 1,030 |
| Total risk-based capital ratio | 24.6297% | 1,039 |
| Memoranda: | ||
| Average total assets | $113,606,000 | 4,759 |
| Average earning assets | $100,246,750 | 4,857 |
| Average equity | $14,385,250 | 4,213 |
| Average total loans | $50,302,500 | 5,702 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7367% | 3,363 |
| Cost of funding earning assets | 1.5936% | 5,771 |
| Net interest margin | 4.1430% | 2,183 |
| Noninterest income to average assets | 0.7517% | 2,693 |
| Noninterest expense to average assets | 2.4461% | 6,313 |
| Loan and lease loss provision to assets | 0.0442% | 6,790 |
| Net operating income to assets | 1.9261% | 354 |
| Return on assets (ROA) | 1.9261% | 383 |
| Pretax return on assets | 1.9261% | 659 |
| Return on Equity (ROE) | 15.4238% | 764 |
| Retained earnings to average equity (ytd only) | 11.2315% | 531 |
| Net charge-offs to loans | 0.0440% | 5,851 |
| Credit loss provision to net charge-offs | 227.2727% | 2,021 |
| Earnings coverage of net charge-offs (x) | 101.2727% | 378 |
| Efficiency ratio | 54.5054% | 7,277 |
| Assets per employee ($millions) | 3.3346% | 5,226 |
| Cash dividends to net income (ytd only)* | 27.1809% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 6,016 |
| Loan loss allowance to noncurrent loans | 232.0000% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 7,024 |
| Noncurrent loans to loans | 0.4443% | 6,411 |
| Net loans and leases to total assets | 44.2064% | 7,312 |
| Net loans and leases to deposits | 51.4458% | 7,408 |
| Net loans and leases to core deposits | 63.3327% | 7,326 |
| Total domestic deposits to total assets | 85.9281% | 2,829 |
| Equity capital to assets | 12.6342% | 1,858 |
| Core capital (leverage) ratio | 11.9453% | 1,856 |
| Tier 1 risk-based capital ratio | 23.5542% | 1,080 |
| Total risk-based capital ratio | 24.4941% | 1,092 |
| Memoranda: | ||
| Average total assets | $113,079,670 | 4,800 |
| Average earning assets | $100,023,000 | 4,894 |
| Average equity | $14,121,000 | 4,278 |
| Average total loans | $49,987,000 | 5,765 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 3,658 |
| Cost of funding earning assets | 1.6456% | 5,833 |
| Net interest margin | 4.0820% | 2,350 |
| Noninterest income to average assets | 0.7367% | 2,674 |
| Noninterest expense to average assets | 2.3448% | 6,388 |
| Loan and lease loss provision to assets | 0.0885% | 5,830 |
| Net operating income to assets | 1.9233% | 404 |
| Return on assets (ROA) | 1.9233% | 456 |
| Pretax return on assets | 1.9233% | 764 |
| Return on Equity (ROE) | 15.4927% | 893 |
| Retained earnings to average equity (ytd only) | 10.9276% | 986 |
| Net charge-offs to loans | 0.0644% | 4,562 |
| Credit loss provision to net charge-offs | 312.5000% | 1,563 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 569 |
| Efficiency ratio | 52.9268% | 7,326 |
| Assets per employee ($millions) | 3.3416% | 5,219 |
| Cash dividends to net income (ytd only)* | 29.4659% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 5,775 |
| Loan loss allowance to noncurrent loans | 308.8235% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 7,123 |
| Noncurrent loans to loans | 0.3420% | 6,574 |
| Net loans and leases to total assets | 43.2882% | 7,391 |
| Net loans and leases to deposits | 50.2796% | 7,481 |
| Net loans and leases to core deposits | 61.7231% | 7,400 |
| Total domestic deposits to total assets | 86.0949% | 2,663 |
| Equity capital to assets | 12.5215% | 1,959 |
| Core capital (leverage) ratio | 11.7789% | 2,013 |
| Tier 1 risk-based capital ratio | 21.5366% | 1,364 |
| Total risk-based capital ratio | 22.4267% | 1,387 |
| Memoranda: | ||
| Average total assets | $112,932,000 | 4,825 |
| Average earning assets | $100,148,000 | 4,912 |
| Average equity | $14,019,500 | 4,331 |
| Average total loans | $49,660,000 | 5,810 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2841% | 4,054 |
| Cost of funding earning assets | 2.0973% | 6,064 |
| Net interest margin | 4.1868% | 2,362 |
| Noninterest income to average assets | 0.8924% | 1,988 |
| Noninterest expense to average assets | 2.9285% | 4,341 |
| Loan and lease loss provision to assets | 0.0745% | 6,470 |
| Net operating income to assets | 1.6429% | 765 |
| Return on assets (ROA) | 1.6836% | 675 |
| Pretax return on assets | 1.6836% | 1,181 |
| Return on Equity (ROE) | 12.9743% | 1,334 |
| Retained earnings to average equity (ytd only) | 4.3452% | 2,415 |
| Net charge-offs to loans | 0.0910% | 5,438 |
| Credit loss provision to net charge-offs | 170.4545% | 3,003 |
| Earnings coverage of net charge-offs (x) | 39.3182% | 950 |
| Efficiency ratio | 62.1154% | 5,932 |
| Assets per employee ($millions) | 3.3015% | 5,206 |
| Cash dividends to net income (ytd only)* | 66.5094% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 5,830 |
| Loan loss allowance to noncurrent loans | 186.0806% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 6,606 |
| Noncurrent loans to loans | 0.5502% | 5,714 |
| Net loans and leases to total assets | 43.7466% | 7,489 |
| Net loans and leases to deposits | 50.7592% | 7,594 |
| Net loans and leases to core deposits | 61.6321% | 7,520 |
| Total domestic deposits to total assets | 86.1845% | 2,324 |
| Equity capital to assets | 12.3055% | 2,110 |
| Core capital (leverage) ratio | 11.6378% | 2,168 |
| Tier 1 risk-based capital ratio | 22.7135% | 1,226 |
| Total risk-based capital ratio | 23.6421% | 1,235 |
| Memoranda: | ||
| Average total assets | $100,734,000 | 5,024 |
| Average earning assets | $90,307,000 | 5,070 |
| Average equity | $13,072,000 | 4,547 |
| Average total loans | $48,372,800 | 5,762 |