Home > Dairy State Bank > Performance and Condition Ratios
Dairy State 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 | 4.5843% | 3,771 |
| Cost of funding earning assets | 2.0588% | 1,753 |
| Net interest margin | 2.5255% | 4,008 |
| Noninterest income to average assets | 0.5800% | 1,411 |
| Noninterest expense to average assets | 1.8507% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.9589% | 2,388 |
| Return on assets (ROA) | 0.9589% | 2,393 |
| Pretax return on assets | 1.1398% | 2,392 |
| Return on Equity (ROE) | 10.4200% | 2,198 |
| Retained earnings to average equity (ytd only) | 10.4201% | 1,095 |
| Net charge-offs to loans | 0.0103% | 1,865 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 235.8889% | 369 |
| Efficiency ratio | 61.8851% | 2,723 |
| Assets per employee ($millions) | 7.6687% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2350% | 286 |
| Loan loss allowance to noncurrent loans | 402.0833% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 2,246 |
| Noncurrent loans to loans | 0.5558% | 1,743 |
| Net loans and leases to total assets | 45.4000% | 3,783 |
| Net loans and leases to deposits | 52.7346% | 3,775 |
| Net loans and leases to core deposits | 56.2272% | 3,822 |
| Total domestic deposits to total assets | 86.0900% | 2,270 |
| Equity capital to assets | 9.4817% | 2,591 |
| Core capital (leverage) ratio | 10.7462% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $745,026,000 | 1,306 |
| Average earning assets | $709,726,500 | 1,282 |
| Average equity | $68,559,500 | 1,380 |
| Average total loans | $348,591,500 | 1,714 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 3,824 |
| Cost of funding earning assets | 2.2728% | 1,581 |
| Net interest margin | 2.2731% | 4,103 |
| Noninterest income to average assets | 0.2200% | 3,583 |
| Noninterest expense to average assets | 1.6288% | 4,160 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.5335% | 3,389 |
| Return on assets (ROA) | 0.5414% | 3,390 |
| Pretax return on assets | 0.6343% | 3,404 |
| Return on Equity (ROE) | 6.3400% | 3,195 |
| Retained earnings to average equity (ytd only) | 5.1461% | 2,186 |
| Net charge-offs to loans | 0.0143% | 2,389 |
| Credit loss provision to net charge-offs | 3,291.8367% | 150 |
| Earnings coverage of net charge-offs (x) | 116.8571% | 735 |
| Efficiency ratio | 67.9024% | 2,265 |
| Assets per employee ($millions) | 7.6926% | 1,718 |
| Cash dividends to net income (ytd only)* | 18.8889% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1972% | 286 |
| Loan loss allowance to noncurrent loans | 395.7501% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 2,209 |
| Noncurrent loans to loans | 0.5552% | 1,688 |
| Net loans and leases to total assets | 46.1100% | 3,810 |
| Net loans and leases to deposits | 53.7829% | 3,808 |
| Net loans and leases to core deposits | 57.2010% | 3,847 |
| Total domestic deposits to total assets | 85.7300% | 2,306 |
| Equity capital to assets | 8.9238% | 2,882 |
| Core capital (leverage) ratio | 10.4931% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0378% | 584 |
| Memoranda: | ||
| Average total assets | $748,117,000 | 1,290 |
| Average earning assets | $714,922,600 | 1,253 |
| Average equity | $63,834,800 | 1,418 |
| Average total loans | $341,476,400 | 1,712 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4978% | 3,840 |
| Cost of funding earning assets | 2.2364% | 1,662 |
| Net interest margin | 2.2615% | 4,110 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.6505% | 4,128 |
| Loan and lease loss provision to assets | 0.1300% | 993 |
| Net operating income to assets | 0.5007% | 3,464 |
| Return on assets (ROA) | 0.5007% | 3,496 |
| Pretax return on assets | 0.5933% | 3,482 |
| Return on Equity (ROE) | 5.9400% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.8795% | 2,517 |
| Net charge-offs to loans | 0.0094% | 2,292 |
| Credit loss provision to net charge-offs | 4,237.5000% | 119 |
| Earnings coverage of net charge-offs (x) | 170.0417% | 575 |
| Efficiency ratio | 69.2538% | 2,114 |
| Assets per employee ($millions) | 7.8393% | 1,619 |
| Cash dividends to net income (ytd only)* | 17.7873% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0507% | 348 |
| Loan loss allowance to noncurrent loans | 2,806.6667% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 3,505 |
| Noncurrent loans to loans | 0.0731% | 3,330 |
| Net loans and leases to total assets | 44.9500% | 3,864 |
| Net loans and leases to deposits | 53.2546% | 3,846 |
| Net loans and leases to core deposits | 56.8299% | 3,882 |
| Total domestic deposits to total assets | 84.4100% | 2,479 |
| Equity capital to assets | 9.0716% | 2,983 |
| Core capital (leverage) ratio | 10.3695% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5846% | 630 |
| Memoranda: | ||
| Average total assets | $748,600,000 | 1,283 |
| Average earning assets | $716,326,250 | 1,242 |
| Average equity | $63,146,500 | 1,419 |
| Average total loans | $338,904,750 | 1,715 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 3,857 |
| Cost of funding earning assets | 2.1882% | 1,682 |
| Net interest margin | 2.2576% | 4,114 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 1.6732% | 4,118 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.4867% | 3,460 |
| Return on assets (ROA) | 0.4867% | 3,499 |
| Pretax return on assets | 0.5702% | 3,503 |
| Return on Equity (ROE) | 5.9200% | 3,312 |
| Retained earnings to average equity (ytd only) | 4.9411% | 2,350 |
| Net charge-offs to loans | 0.0030% | 2,400 |
| Credit loss provision to net charge-offs | 12,620.0000% | 35 |
| Earnings coverage of net charge-offs (x) | 514.6000% | 238 |
| Efficiency ratio | 70.5101% | 2,050 |
| Assets per employee ($millions) | 7.6347% | 1,650 |
| Cash dividends to net income (ytd only)* | 16.5563% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0015% | 394 |
| Loan loss allowance to noncurrent loans | 2,591.6031% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 3,455 |
| Noncurrent loans to loans | 0.0772% | 3,281 |
| Net loans and leases to total assets | 44.8900% | 3,872 |
| Net loans and leases to deposits | 53.2066% | 3,838 |
| Net loans and leases to core deposits | 56.3817% | 3,887 |
| Total domestic deposits to total assets | 84.3700% | 2,507 |
| Equity capital to assets | 8.4056% | 3,162 |
| Core capital (leverage) ratio | 10.3947% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7408% | 607 |
| Memoranda: | ||
| Average total assets | $744,662,333 | 1,275 |
| Average earning assets | $712,084,667 | 1,247 |
| Average equity | $61,201,333 | 1,444 |
| Average total loans | $335,541,000 | 1,726 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 3,828 |
| Cost of funding earning assets | 2.1453% | 1,669 |
| Net interest margin | 2.2603% | 4,131 |
| Noninterest income to average assets | 0.2000% | 3,639 |
| Noninterest expense to average assets | 1.7083% | 4,090 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.4934% | 3,411 |
| Return on assets (ROA) | 0.4934% | 3,434 |
| Pretax return on assets | 0.5721% | 3,438 |
| Return on Equity (ROE) | 6.0700% | 3,196 |
| Retained earnings to average equity (ytd only) | 6.0714% | 2,087 |
| Net charge-offs to loans | 0.0228% | 1,387 |
| Credit loss provision to net charge-offs | 789.4737% | 383 |
| Earnings coverage of net charge-offs (x) | 64.1053% | 861 |
| Efficiency ratio | 71.8629% | 1,958 |
| Assets per employee ($millions) | 7.8157% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8953% | 461 |
| Loan loss allowance to noncurrent loans | 2,644.9580% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,499 |
| Noncurrent loans to loans | 0.0717% | 3,272 |
| Net loans and leases to total assets | 43.4300% | 3,907 |
| Net loans and leases to deposits | 51.5681% | 3,871 |
| Net loans and leases to core deposits | 53.9131% | 3,977 |
| Total domestic deposits to total assets | 84.2200% | 2,647 |
| Equity capital to assets | 8.1421% | 3,267 |
| Core capital (leverage) ratio | 10.0953% | 2,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0550% | 605 |
| Memoranda: | ||
| Average total assets | $746,709,000 | 1,271 |
| Average earning assets | $713,367,000 | 1,251 |
| Average equity | $60,677,500 | 1,444 |
| Average total loans | $333,685,500 | 1,729 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 4,176 |
| Cost of funding earning assets | 1.5528% | 1,803 |
| Net interest margin | 2.2519% | 4,285 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7581% | 4,057 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.1206% | 4,234 |
| Return on assets (ROA) | 0.0834% | 4,294 |
| Pretax return on assets | 0.4023% | 3,964 |
| Return on Equity (ROE) | 1.0500% | 4,257 |
| Retained earnings to average equity (ytd only) | 0.6968% | 3,898 |
| Net charge-offs to loans | 0.0097% | 2,292 |
| Credit loss provision to net charge-offs | 3,355.1724% | 150 |
| Earnings coverage of net charge-offs (x) | 143.5517% | 729 |
| Efficiency ratio | 74.1589% | 1,439 |
| Assets per employee ($millions) | 7.8251% | 1,526 |
| Cash dividends to net income (ytd only)* | 33.7838% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 504 |
| Loan loss allowance to noncurrent loans | 2,589.9160% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,439 |
| Noncurrent loans to loans | 0.0710% | 3,207 |
| Net loans and leases to total assets | 44.2700% | 3,886 |
| Net loans and leases to deposits | 52.5688% | 3,854 |
| Net loans and leases to core deposits | 54.9275% | 3,944 |
| Total domestic deposits to total assets | 84.2100% | 2,557 |
| Equity capital to assets | 8.2017% | 3,276 |
| Core capital (leverage) ratio | 10.3649% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3606% | 659 |
| Memoranda: | ||
| Average total assets | $709,914,400 | 1,294 |
| Average earning assets | $673,428,200 | 1,274 |
| Average equity | $56,255,800 | 1,461 |
| Average total loans | $298,793,400 | 1,794 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6570% | 4,256 |
| Cost of funding earning assets | 1.4278% | 1,791 |
| Net interest margin | 2.2291% | 4,336 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7546% | 4,050 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.4147% | 3,941 |
| Return on assets (ROA) | 0.3451% | 4,062 |
| Pretax return on assets | 0.3928% | 4,074 |
| Return on Equity (ROE) | 4.4000% | 3,918 |
| Retained earnings to average equity (ytd only) | 4.3961% | 3,146 |
| Net charge-offs to loans | 0.0074% | 2,155 |
| Credit loss provision to net charge-offs | 3,143.7500% | 151 |
| Earnings coverage of net charge-offs (x) | 186.6250% | 630 |
| Efficiency ratio | 74.7176% | 1,299 |
| Assets per employee ($millions) | 7.7228% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0942% | 339 |
| Loan loss allowance to noncurrent loans | 2,729.5833% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 3,464 |
| Noncurrent loans to loans | 0.0767% | 3,206 |
| Net loans and leases to total assets | 42.6400% | 3,968 |
| Net loans and leases to deposits | 49.2424% | 3,967 |
| Net loans and leases to core deposits | 51.1773% | 4,006 |
| Total domestic deposits to total assets | 86.5900% | 2,017 |
| Equity capital to assets | 7.2311% | 3,497 |
| Core capital (leverage) ratio | 10.6637% | 2,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4624% | 593 |
| Memoranda: | ||
| Average total assets | $701,546,750 | 1,307 |
| Average earning assets | $664,575,250 | 1,282 |
| Average equity | $55,077,250 | 1,476 |
| Average total loans | $289,684,250 | 1,835 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5437% | 4,308 |
| Cost of funding earning assets | 1.2932% | 1,729 |
| Net interest margin | 2.2505% | 4,389 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.7474% | 4,086 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.4317% | 3,942 |
| Return on assets (ROA) | 0.3336% | 4,133 |
| Pretax return on assets | 0.4069% | 4,109 |
| Return on Equity (ROE) | 4.1400% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.1372% | 3,181 |
| Net charge-offs to loans | 0.0078% | 1,930 |
| Credit loss provision to net charge-offs | 2,227.2727% | 235 |
| Earnings coverage of net charge-offs (x) | 188.8182% | 637 |
| Efficiency ratio | 73.6945% | 1,379 |
| Assets per employee ($millions) | 7.8840% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1075% | 358 |
| Loan loss allowance to noncurrent loans | 2,691.4530% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 3,443 |
| Noncurrent loans to loans | 0.0783% | 3,124 |
| Net loans and leases to total assets | 42.6500% | 3,939 |
| Net loans and leases to deposits | 49.3078% | 3,946 |
| Net loans and leases to core deposits | 51.1700% | 3,980 |
| Total domestic deposits to total assets | 86.5000% | 2,090 |
| Equity capital to assets | 8.4273% | 2,925 |
| Core capital (leverage) ratio | 10.9543% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6164% | 586 |
| Memoranda: | ||
| Average total assets | $695,989,333 | 1,306 |
| Average earning assets | $658,687,667 | 1,283 |
| Average equity | $56,124,667 | 1,454 |
| Average total loans | $281,976,000 | 1,854 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4075% | 4,366 |
| Cost of funding earning assets | 1.1103% | 1,725 |
| Net interest margin | 2.2972% | 4,449 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7312% | 4,155 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5063% | 3,881 |
| Return on assets (ROA) | 0.4685% | 3,919 |
| Pretax return on assets | 0.5957% | 3,849 |
| Return on Equity (ROE) | 5.9400% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.9401% | 2,778 |
| Net charge-offs to loans | -0.0015% | 3,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.4796% | 1,580 |
| Assets per employee ($millions) | 7.8261% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1966% | 325 |
| Loan loss allowance to noncurrent loans | 2,552.3013% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,440 |
| Noncurrent loans to loans | 0.0861% | 3,122 |
| Net loans and leases to total assets | 38.9900% | 4,078 |
| Net loans and leases to deposits | 45.0307% | 4,069 |
| Net loans and leases to core deposits | 46.6363% | 4,091 |
| Total domestic deposits to total assets | 86.5900% | 2,413 |
| Equity capital to assets | 8.2389% | 3,086 |
| Core capital (leverage) ratio | 10.9236% | 1,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0089% | 501 |
| Memoranda: | ||
| Average total assets | $701,032,000 | 1,311 |
| Average earning assets | $663,938,500 | 1,295 |
| Average equity | $55,285,500 | 1,487 |
| Average total loans | $273,546,000 | 1,913 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6048% | 4,459 |
| Cost of funding earning assets | 0.4848% | 1,496 |
| Net interest margin | 2.1200% | 4,511 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.5678% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5325% | 4,029 |
| Return on assets (ROA) | 0.4786% | 4,082 |
| Pretax return on assets | 0.5971% | 4,033 |
| Return on Equity (ROE) | 5.7300% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.7275% | 2,739 |
| Net charge-offs to loans | -0.0678% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3738% | 1,775 |
| Assets per employee ($millions) | 7.3494% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 616 |
| Loan loss allowance to noncurrent loans | 1,522.1538% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 3,350 |
| Noncurrent loans to loans | 0.1206% | 2,918 |
| Net loans and leases to total assets | 37.4800% | 4,162 |
| Net loans and leases to deposits | 42.6131% | 4,157 |
| Net loans and leases to core deposits | 43.9176% | 4,182 |
| Total domestic deposits to total assets | 87.9600% | 2,081 |
| Equity capital to assets | 7.5382% | 3,364 |
| Core capital (leverage) ratio | 10.7021% | 2,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3158% | 456 |
| Memoranda: | ||
| Average total assets | $718,185,600 | 1,289 |
| Average earning assets | $684,242,000 | 1,253 |
| Average equity | $60,009,200 | 1,402 |
| Average total loans | $243,466,800 | 1,979 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4238% | 4,490 |
| Cost of funding earning assets | 0.4036% | 1,258 |
| Net interest margin | 2.0201% | 4,544 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.5855% | 4,316 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4579% | 4,154 |
| Return on assets (ROA) | 0.4423% | 4,121 |
| Pretax return on assets | 0.5456% | 4,077 |
| Return on Equity (ROE) | 5.1700% | 3,952 |
| Retained earnings to average equity (ytd only) | 5.1699% | 3,038 |
| Net charge-offs to loans | -0.0602% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.8468% | 1,402 |
| Assets per employee ($millions) | 7.1498% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 561 |
| Loan loss allowance to noncurrent loans | 1,472.5904% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.0469% | 3,433 |
| Noncurrent loans to loans | 0.1314% | 2,979 |
| Net loans and leases to total assets | 35.0000% | 4,269 |
| Net loans and leases to deposits | 39.4047% | 4,254 |
| Net loans and leases to core deposits | 40.6696% | 4,261 |
| Total domestic deposits to total assets | 88.8200% | 2,159 |
| Equity capital to assets | 7.1981% | 3,406 |
| Core capital (leverage) ratio | 10.5080% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6176% | 456 |
| Memoranda: | ||
| Average total assets | $721,346,500 | 1,291 |
| Average earning assets | $688,720,500 | 1,257 |
| Average equity | $61,715,250 | 1,389 |
| Average total loans | $236,985,000 | 2,015 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2464% | 4,546 |
| Cost of funding earning assets | 0.3296% | 1,444 |
| Net interest margin | 1.9168% | 4,594 |
| Noninterest income to average assets | 0.2284% | 3,820 |
| Noninterest expense to average assets | 1.5863% | 4,322 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3949% | 4,118 |
| Return on assets (ROA) | 0.3739% | 4,118 |
| Pretax return on assets | 0.4513% | 4,080 |
| Return on Equity (ROE) | 4.1560% | 3,997 |
| Retained earnings to average equity (ytd only) | 4.1560% | 3,029 |
| Net charge-offs to loans | -0.0932% | 4,421 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9717% | 1,286 |
| Assets per employee ($millions) | 7.3168% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 517 |
| Loan loss allowance to noncurrent loans | 1,425.6560% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 3,505 |
| Noncurrent loans to loans | 0.1421% | 2,991 |
| Net loans and leases to total assets | 33.3180% | 4,354 |
| Net loans and leases to deposits | 37.8215% | 4,342 |
| Net loans and leases to core deposits | 39.1877% | 4,344 |
| Total domestic deposits to total assets | 88.0926% | 2,537 |
| Equity capital to assets | 7.8047% | 3,261 |
| Core capital (leverage) ratio | 10.4315% | 2,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7394% | 436 |
| Memoranda: | ||
| Average total assets | $725,852,333 | 1,284 |
| Average earning assets | $694,702,333 | 1,258 |
| Average equity | $65,303,667 | 1,356 |
| Average total loans | $231,776,667 | 2,041 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1446% | 4,558 |
| Cost of funding earning assets | 0.2967% | 1,686 |
| Net interest margin | 1.8479% | 4,600 |
| Noninterest income to average assets | 0.2387% | 3,717 |
| Noninterest expense to average assets | 1.5473% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3867% | 3,982 |
| Return on assets (ROA) | 0.3750% | 3,976 |
| Pretax return on assets | 0.4524% | 3,947 |
| Return on Equity (ROE) | 3.9169% | 3,898 |
| Retained earnings to average equity (ytd only) | 3.9169% | 2,963 |
| Net charge-offs to loans | 0.0018% | 1,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 856.0000% | 110 |
| Efficiency ratio | 75.9134% | 1,535 |
| Assets per employee ($millions) | 7.5421% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0943% | 523 |
| Loan loss allowance to noncurrent loans | 1,278.3422% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 3,526 |
| Noncurrent loans to loans | 0.1638% | 2,987 |
| Net loans and leases to total assets | 30.8698% | 4,424 |
| Net loans and leases to deposits | 35.6689% | 4,395 |
| Net loans and leases to core deposits | 36.7087% | 4,406 |
| Total domestic deposits to total assets | 86.5455% | 3,089 |
| Equity capital to assets | 8.7581% | 2,921 |
| Core capital (leverage) ratio | 10.0952% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3806% | 408 |
| Memoranda: | ||
| Average total assets | $733,916,000 | 1,277 |
| Average earning assets | $705,023,000 | 1,252 |
| Average equity | $70,259,500 | 1,328 |
| Average total loans | $226,987,000 | 2,067 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6459% | 4,362 |
| Cost of funding earning assets | 0.3388% | 2,034 |
| Net interest margin | 2.3071% | 4,404 |
| Noninterest income to average assets | 0.2845% | 3,691 |
| Noninterest expense to average assets | 1.5900% | 4,439 |
| Loan and lease loss provision to assets | -0.2034% | 4,706 |
| Net operating income to assets | 0.8641% | 3,151 |
| Return on assets (ROA) | 0.8708% | 3,198 |
| Pretax return on assets | 1.1296% | 2,883 |
| Return on Equity (ROE) | 7.7769% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.7769% | 1,627 |
| Net charge-offs to loans | -0.6401% | 4,790 |
| Credit loss provision to net charge-offs | 94.9796% | 1,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6050% | 2,775 |
| Assets per employee ($millions) | 7.2213% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 501 |
| Loan loss allowance to noncurrent loans | 1,390.1163% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,670 |
| Noncurrent loans to loans | 0.1524% | 3,176 |
| Net loans and leases to total assets | 29.6993% | 4,521 |
| Net loans and leases to deposits | 34.6997% | 4,510 |
| Net loans and leases to core deposits | 35.7080% | 4,521 |
| Total domestic deposits to total assets | 85.5895% | 3,055 |
| Equity capital to assets | 10.3668% | 2,305 |
| Core capital (leverage) ratio | 9.9670% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8725% | 407 |
| Memoranda: | ||
| Average total assets | $688,220,800 | 1,300 |
| Average earning assets | $663,221,400 | 1,270 |
| Average equity | $77,061,200 | 1,243 |
| Average total loans | $230,266,800 | 2,048 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8220% | 4,275 |
| Cost of funding earning assets | 0.3517% | 2,104 |
| Net interest margin | 2.4703% | 4,325 |
| Noninterest income to average assets | 0.2924% | 3,699 |
| Noninterest expense to average assets | 1.6411% | 4,412 |
| Loan and lease loss provision to assets | -0.2769% | 4,817 |
| Net operating income to assets | 1.0011% | 2,902 |
| Return on assets (ROA) | 0.9843% | 3,051 |
| Pretax return on assets | 1.2872% | 2,653 |
| Return on Equity (ROE) | 8.6141% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.6141% | 1,829 |
| Net charge-offs to loans | -0.8504% | 4,862 |
| Credit loss provision to net charge-offs | 94.8509% | 1,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6377% | 2,892 |
| Assets per employee ($millions) | 7.0326% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2789% | 407 |
| Loan loss allowance to noncurrent loans | 1,340.0560% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 3,822 |
| Noncurrent loans to loans | 0.1701% | 3,267 |
| Net loans and leases to total assets | 28.5985% | 4,624 |
| Net loans and leases to deposits | 33.5505% | 4,634 |
| Net loans and leases to core deposits | 34.5491% | 4,643 |
| Total domestic deposits to total assets | 85.2401% | 3,033 |
| Equity capital to assets | 10.8926% | 2,088 |
| Core capital (leverage) ratio | 10.3354% | 2,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9289% | 345 |
| Memoranda: | ||
| Average total assets | $674,328,250 | 1,333 |
| Average earning assets | $649,772,000 | 1,307 |
| Average equity | $77,049,750 | 1,261 |
| Average total loans | $231,412,750 | 2,079 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6689% | 4,492 |
| Cost of funding earning assets | 0.3672% | 2,160 |
| Net interest margin | 2.3017% | 4,519 |
| Noninterest income to average assets | 0.3082% | 3,587 |
| Noninterest expense to average assets | 1.6743% | 4,400 |
| Loan and lease loss provision to assets | -0.4242% | 4,890 |
| Net operating income to assets | 0.9786% | 2,965 |
| Return on assets (ROA) | 0.9527% | 3,140 |
| Pretax return on assets | 1.2403% | 2,800 |
| Return on Equity (ROE) | 8.1995% | 3,351 |
| Retained earnings to average equity (ytd only) | 8.1995% | 2,003 |
| Net charge-offs to loans | -1.2390% | 4,903 |
| Credit loss provision to net charge-offs | 94.7226% | 1,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5297% | 2,219 |
| Assets per employee ($millions) | 7.0796% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0437% | 561 |
| Loan loss allowance to noncurrent loans | 1,529.0735% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,951 |
| Noncurrent loans to loans | 0.1337% | 3,521 |
| Net loans and leases to total assets | 33.0634% | 4,560 |
| Net loans and leases to deposits | 39.0917% | 4,548 |
| Net loans and leases to core deposits | 40.1204% | 4,577 |
| Total domestic deposits to total assets | 84.5791% | 3,262 |
| Equity capital to assets | 11.2387% | 1,800 |
| Core capital (leverage) ratio | 10.6398% | 1,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4132% | 361 |
| Memoranda: | ||
| Average total assets | $659,997,000 | 1,349 |
| Average earning assets | $635,084,333 | 1,325 |
| Average equity | $76,688,000 | 1,262 |
| Average total loans | $238,574,667 | 2,044 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7421% | 4,437 |
| Cost of funding earning assets | 0.3913% | 2,164 |
| Net interest margin | 2.3508% | 4,468 |
| Noninterest income to average assets | 0.3116% | 3,541 |
| Noninterest expense to average assets | 1.7322% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6637% | 3,793 |
| Return on assets (ROA) | 0.6637% | 3,867 |
| Pretax return on assets | 0.8366% | 3,748 |
| Return on Equity (ROE) | 5.6125% | 3,964 |
| Retained earnings to average equity (ytd only) | 5.6125% | 3,023 |
| Net charge-offs to loans | -0.0665% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6102% | 2,147 |
| Assets per employee ($millions) | 6.8459% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9985% | 600 |
| Loan loss allowance to noncurrent loans | 1,122.4586% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0644% | 3,916 |
| Noncurrent loans to loans | 0.1780% | 3,467 |
| Net loans and leases to total assets | 35.4276% | 4,530 |
| Net loans and leases to deposits | 42.3015% | 4,485 |
| Net loans and leases to core deposits | 43.8245% | 4,503 |
| Total domestic deposits to total assets | 83.7502% | 3,507 |
| Equity capital to assets | 11.2498% | 1,684 |
| Core capital (leverage) ratio | 10.8272% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7701% | 421 |
| Memoranda: | ||
| Average total assets | $643,097,000 | 1,370 |
| Average earning assets | $617,487,500 | 1,341 |
| Average equity | $76,045,000 | 1,262 |
| Average total loans | $240,772,500 | 2,026 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1733% | 4,484 |
| Cost of funding earning assets | 0.6222% | 2,167 |
| Net interest margin | 2.5511% | 4,542 |
| Noninterest income to average assets | 0.3949% | 3,118 |
| Noninterest expense to average assets | 1.7563% | 4,536 |
| Loan and lease loss provision to assets | 0.0690% | 3,519 |
| Net operating income to assets | 0.7884% | 3,140 |
| Return on assets (ROA) | 0.8021% | 3,201 |
| Pretax return on assets | 1.0325% | 2,937 |
| Return on Equity (ROE) | 6.3692% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.3692% | 1,642 |
| Net charge-offs to loans | 0.2167% | 806 |
| Credit loss provision to net charge-offs | 76.4818% | 3,004 |
| Earnings coverage of net charge-offs (x) | 12.0134% | 2,362 |
| Efficiency ratio | 60.9950% | 3,315 |
| Assets per employee ($millions) | 6.6914% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 677 |
| Loan loss allowance to noncurrent loans | 787.2910% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 3,834 |
| Noncurrent loans to loans | 0.2451% | 3,317 |
| Net loans and leases to total assets | 38.0383% | 4,516 |
| Net loans and leases to deposits | 46.1581% | 4,458 |
| Net loans and leases to core deposits | 47.7815% | 4,489 |
| Total domestic deposits to total assets | 82.4088% | 3,561 |
| Equity capital to assets | 12.4256% | 1,357 |
| Core capital (leverage) ratio | 11.0616% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4741% | 414 |
| Memoranda: | ||
| Average total assets | $579,586,600 | 1,371 |
| Average earning assets | $555,570,200 | 1,334 |
| Average equity | $72,991,400 | 1,250 |
| Average total loans | $241,352,400 | 1,962 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2234% | 4,560 |
| Cost of funding earning assets | 0.6847% | 2,120 |
| Net interest margin | 2.5387% | 4,626 |
| Noninterest income to average assets | 0.3721% | 3,222 |
| Noninterest expense to average assets | 1.8856% | 4,351 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7204% | 3,389 |
| Return on assets (ROA) | 0.7204% | 3,489 |
| Pretax return on assets | 0.9181% | 3,333 |
| Return on Equity (ROE) | 5.6995% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.6995% | 2,238 |
| Net charge-offs to loans | -0.0188% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3900% | 2,419 |
| Assets per employee ($millions) | 6.1916% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 496 |
| Loan loss allowance to noncurrent loans | 321.3342% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 3,138 |
| Noncurrent loans to loans | 0.6216% | 2,244 |
| Net loans and leases to total assets | 38.9389% | 4,596 |
| Net loans and leases to deposits | 47.3059% | 4,569 |
| Net loans and leases to core deposits | 48.7945% | 4,608 |
| Total domestic deposits to total assets | 82.3129% | 3,339 |
| Equity capital to assets | 12.4902% | 1,435 |
| Core capital (leverage) ratio | 11.0796% | 1,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1817% | 443 |
| Memoranda: | ||
| Average total assets | $567,235,250 | 1,380 |
| Average earning assets | $543,302,250 | 1,341 |
| Average equity | $71,700,250 | 1,257 |
| Average total loans | $240,699,000 | 1,967 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3100% | 4,636 |
| Cost of funding earning assets | 0.7558% | 2,075 |
| Net interest margin | 2.5542% | 4,694 |
| Noninterest income to average assets | 0.3152% | 3,575 |
| Noninterest expense to average assets | 1.9431% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6431% | 3,602 |
| Return on assets (ROA) | 0.6431% | 3,691 |
| Pretax return on assets | 0.8160% | 3,543 |
| Return on Equity (ROE) | 5.0656% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.0656% | 2,447 |
| Net charge-offs to loans | -0.0267% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5207% | 2,015 |
| Assets per employee ($millions) | 5.9810% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 472 |
| Loan loss allowance to noncurrent loans | 658.0514% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 3,884 |
| Noncurrent loans to loans | 0.2971% | 3,321 |
| Net loans and leases to total assets | 40.7689% | 4,580 |
| Net loans and leases to deposits | 49.6512% | 4,545 |
| Net loans and leases to core deposits | 51.3474% | 4,590 |
| Total domestic deposits to total assets | 82.1107% | 3,340 |
| Equity capital to assets | 12.4358% | 1,409 |
| Core capital (leverage) ratio | 11.4570% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8933% | 457 |
| Memoranda: | ||
| Average total assets | $551,991,000 | 1,389 |
| Average earning assets | $528,156,000 | 1,354 |
| Average equity | $70,080,000 | 1,268 |
| Average total loans | $239,749,333 | 1,958 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5149% | 4,616 |
| Cost of funding earning assets | 0.8708% | 2,011 |
| Net interest margin | 2.6441% | 4,722 |
| Noninterest income to average assets | 0.2927% | 3,773 |
| Noninterest expense to average assets | 2.0343% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6186% | 3,547 |
| Return on assets (ROA) | 0.6186% | 3,604 |
| Pretax return on assets | 0.7842% | 3,452 |
| Return on Equity (ROE) | 4.8167% | 3,700 |
| Retained earnings to average equity (ytd only) | 4.8167% | 2,357 |
| Net charge-offs to loans | -0.0544% | 4,661 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2638% | 2,183 |
| Assets per employee ($millions) | 5.2495% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0668% | 457 |
| Loan loss allowance to noncurrent loans | 786.7314% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,026 |
| Noncurrent loans to loans | 0.2627% | 3,554 |
| Net loans and leases to total assets | 42.6075% | 4,567 |
| Net loans and leases to deposits | 52.2422% | 4,508 |
| Net loans and leases to core deposits | 54.4220% | 4,554 |
| Total domestic deposits to total assets | 81.5576% | 3,534 |
| Equity capital to assets | 12.9874% | 1,435 |
| Core capital (leverage) ratio | 12.1106% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4717% | 532 |
| Memoranda: | ||
| Average total assets | $528,939,000 | 1,399 |
| Average earning assets | $505,276,000 | 1,366 |
| Average equity | $67,931,000 | 1,295 |
| Average total loans | $235,274,000 | 1,963 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6428% | 4,733 |
| Cost of funding earning assets | 0.9442% | 1,986 |
| Net interest margin | 2.6986% | 4,841 |
| Noninterest income to average assets | 0.2971% | 3,902 |
| Noninterest expense to average assets | 2.0582% | 4,432 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6395% | 4,041 |
| Return on assets (ROA) | 0.8742% | 3,392 |
| Pretax return on assets | 1.1118% | 3,129 |
| Return on Equity (ROE) | 6.8598% | 3,600 |
| Retained earnings to average equity (ytd only) | 5.4098% | 2,220 |
| Net charge-offs to loans | 0.0071% | 3,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 238.0588% | 350 |
| Efficiency ratio | 70.6768% | 2,069 |
| Assets per employee ($millions) | 5.1206% | 2,434 |
| Cash dividends to net income (ytd only)* | 21.1375% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0530% | 423 |
| Loan loss allowance to noncurrent loans | 1,066.4459% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 4,202 |
| Noncurrent loans to loans | 0.1925% | 3,767 |
| Net loans and leases to total assets | 44.5642% | 4,576 |
| Net loans and leases to deposits | 53.3162% | 4,560 |
| Net loans and leases to core deposits | 55.6672% | 4,597 |
| Total domestic deposits to total assets | 83.5848% | 3,000 |
| Equity capital to assets | 12.6918% | 1,713 |
| Core capital (leverage) ratio | 12.4328% | 1,526 |
| Tier 1 risk-based capital ratio | 22.4564% | 970 |
| Total risk-based capital ratio | 23.7123% | 948 |
| Memoranda: | ||
| Average total assets | $496,782,400 | 1,434 |
| Average earning assets | $474,167,400 | 1,406 |
| Average equity | $63,310,800 | 1,329 |
| Average total loans | $238,108,000 | 1,900 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,840 |
| Cost of funding earning assets | 0.9580% | 1,952 |
| Net interest margin | 2.6896% | 4,946 |
| Noninterest income to average assets | 0.2923% | 3,986 |
| Noninterest expense to average assets | 2.1536% | 4,268 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5718% | 4,370 |
| Return on assets (ROA) | 0.7319% | 3,971 |
| Pretax return on assets | 0.9065% | 3,857 |
| Return on Equity (ROE) | 5.7368% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.7368% | 2,486 |
| Net charge-offs to loans | -0.0050% | 4,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2611% | 1,525 |
| Assets per employee ($millions) | 4.5628% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 427 |
| Loan loss allowance to noncurrent loans | 819.0556% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 4,132 |
| Noncurrent loans to loans | 0.2488% | 3,652 |
| Net loans and leases to total assets | 46.0977% | 4,591 |
| Net loans and leases to deposits | 55.1370% | 4,588 |
| Net loans and leases to core deposits | 57.6608% | 4,631 |
| Total domestic deposits to total assets | 83.6056% | 2,965 |
| Equity capital to assets | 13.0179% | 1,614 |
| Core capital (leverage) ratio | 12.6775% | 1,491 |
| Tier 1 risk-based capital ratio | 22.5557% | 1,003 |
| Total risk-based capital ratio | 23.8119% | 970 |
| Memoranda: | ||
| Average total assets | $491,682,000 | 1,455 |
| Average earning assets | $469,849,500 | 1,422 |
| Average equity | $62,728,500 | 1,329 |
| Average total loans | $238,807,500 | 1,904 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6462% | 4,886 |
| Cost of funding earning assets | 0.9460% | 1,936 |
| Net interest margin | 2.7002% | 5,001 |
| Noninterest income to average assets | 0.2769% | 4,086 |
| Noninterest expense to average assets | 2.1518% | 4,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5693% | 4,387 |
| Return on assets (ROA) | 0.8119% | 3,670 |
| Pretax return on assets | 1.0038% | 3,530 |
| Return on Equity (ROE) | 6.4092% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.4092% | 2,097 |
| Net charge-offs to loans | -0.0033% | 4,047 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3490% | 1,602 |
| Assets per employee ($millions) | 4.5295% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0835% | 408 |
| Loan loss allowance to noncurrent loans | 869.5341% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,135 |
| Noncurrent loans to loans | 0.2396% | 3,679 |
| Net loans and leases to total assets | 47.4919% | 4,588 |
| Net loans and leases to deposits | 56.7869% | 4,563 |
| Net loans and leases to core deposits | 59.4426% | 4,592 |
| Total domestic deposits to total assets | 83.6318% | 2,996 |
| Equity capital to assets | 13.3824% | 1,381 |
| Core capital (leverage) ratio | 12.9180% | 1,344 |
| Tier 1 risk-based capital ratio | 23.7617% | 869 |
| Total risk-based capital ratio | 25.0194% | 851 |
| Memoranda: | ||
| Average total assets | $486,754,000 | 1,468 |
| Average earning assets | $464,922,330 | 1,434 |
| Average equity | $61,661,000 | 1,344 |
| Average total loans | $238,968,000 | 1,910 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6204% | 4,945 |
| Cost of funding earning assets | 0.9201% | 1,919 |
| Net interest margin | 2.7003% | 5,064 |
| Noninterest income to average assets | 0.2612% | 4,141 |
| Noninterest expense to average assets | 2.1311% | 4,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6002% | 4,246 |
| Return on assets (ROA) | 0.6252% | 4,205 |
| Pretax return on assets | 0.7346% | 4,208 |
| Return on Equity (ROE) | 5.0758% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.0758% | 2,877 |
| Net charge-offs to loans | -0.0033% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1583% | 1,739 |
| Assets per employee ($millions) | 4.6565% | 2,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0092% | 488 |
| Loan loss allowance to noncurrent loans | 869.1756% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 4,181 |
| Noncurrent loans to loans | 0.2312% | 3,749 |
| Net loans and leases to total assets | 48.3798% | 4,566 |
| Net loans and leases to deposits | 57.7250% | 4,520 |
| Net loans and leases to core deposits | 61.4019% | 4,512 |
| Total domestic deposits to total assets | 83.8109% | 3,116 |
| Equity capital to assets | 12.6407% | 1,661 |
| Core capital (leverage) ratio | 12.3561% | 1,579 |
| Tier 1 risk-based capital ratio | 22.5186% | 987 |
| Total risk-based capital ratio | 23.7756% | 962 |
| Memoranda: | ||
| Average total assets | $490,065,000 | 1,465 |
| Average earning assets | $467,353,500 | 1,430 |
| Average equity | $60,365,000 | 1,370 |
| Average total loans | $242,014,000 | 1,903 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4206% | 4,988 |
| Cost of funding earning assets | 0.6933% | 2,131 |
| Net interest margin | 2.7273% | 5,075 |
| Noninterest income to average assets | 0.2690% | 4,306 |
| Noninterest expense to average assets | 2.0092% | 4,736 |
| Loan and lease loss provision to assets | -0.1391% | 5,295 |
| Net operating income to assets | 0.8182% | 3,733 |
| Return on assets (ROA) | 0.8054% | 3,788 |
| Pretax return on assets | 0.9861% | 3,655 |
| Return on Equity (ROE) | 7.0235% | 3,809 |
| Retained earnings to average equity (ytd only) | 4.9029% | 2,823 |
| Net charge-offs to loans | -0.3059% | 5,310 |
| Credit loss provision to net charge-offs | 101.7442% | 2,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0046% | 2,387 |
| Assets per employee ($millions) | 4.5482% | 3,092 |
| Cash dividends to net income (ytd only)* | 30.1924% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 471 |
| Loan loss allowance to noncurrent loans | 821.6949% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 4,191 |
| Noncurrent loans to loans | 0.2432% | 3,713 |
| Net loans and leases to total assets | 48.4093% | 4,611 |
| Net loans and leases to deposits | 57.3517% | 4,601 |
| Net loans and leases to core deposits | 61.2305% | 4,574 |
| Total domestic deposits to total assets | 84.4078% | 2,868 |
| Equity capital to assets | 11.9963% | 1,898 |
| Core capital (leverage) ratio | 12.2826% | 1,568 |
| Tier 1 risk-based capital ratio | 21.9996% | 1,034 |
| Total risk-based capital ratio | 23.2564% | 1,012 |
| Memoranda: | ||
| Average total assets | $503,373,800 | 1,402 |
| Average earning assets | $480,439,000 | 1,364 |
| Average equity | $57,720,400 | 1,368 |
| Average total loans | $224,910,400 | 1,990 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3988% | 5,035 |
| Cost of funding earning assets | 0.6642% | 2,071 |
| Net interest margin | 2.7346% | 5,140 |
| Noninterest income to average assets | 0.2772% | 4,299 |
| Noninterest expense to average assets | 2.1218% | 4,499 |
| Loan and lease loss provision to assets | -0.1580% | 5,386 |
| Net operating income to assets | 0.7662% | 4,026 |
| Return on assets (ROA) | 0.7559% | 4,068 |
| Pretax return on assets | 0.9157% | 3,960 |
| Return on Equity (ROE) | 6.6666% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.6666% | 2,299 |
| Net charge-offs to loans | -0.4227% | 5,386 |
| Credit loss provision to net charge-offs | 85.8369% | 2,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4326% | 1,819 |
| Assets per employee ($millions) | 4.7686% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1906% | 370 |
| Loan loss allowance to noncurrent loans | 882.3843% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 4,279 |
| Noncurrent loans to loans | 0.2483% | 3,800 |
| Net loans and leases to total assets | 45.0804% | 4,837 |
| Net loans and leases to deposits | 52.8556% | 4,859 |
| Net loans and leases to core deposits | 56.5745% | 4,830 |
| Total domestic deposits to total assets | 85.2896% | 2,494 |
| Equity capital to assets | 11.7181% | 2,089 |
| Core capital (leverage) ratio | 11.9401% | 1,820 |
| Tier 1 risk-based capital ratio | 23.4345% | 901 |
| Total risk-based capital ratio | 24.7017% | 878 |
| Memoranda: | ||
| Average total assets | $506,417,000 | 1,398 |
| Average earning assets | $484,194,000 | 1,359 |
| Average equity | $57,419,000 | 1,372 |
| Average total loans | $220,479,250 | 2,027 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2983% | 5,142 |
| Cost of funding earning assets | 0.6191% | 2,113 |
| Net interest margin | 2.6792% | 5,231 |
| Noninterest income to average assets | 0.2839% | 4,283 |
| Noninterest expense to average assets | 2.0981% | 4,610 |
| Loan and lease loss provision to assets | -0.2346% | 5,481 |
| Net operating income to assets | 0.8044% | 3,843 |
| Return on assets (ROA) | 0.7801% | 3,924 |
| Pretax return on assets | 0.9525% | 3,798 |
| Return on Equity (ROE) | 6.9544% | 3,916 |
| Retained earnings to average equity (ytd only) | 6.9544% | 2,096 |
| Net charge-offs to loans | -0.6379% | 5,460 |
| Credit loss provision to net charge-offs | 86.0832% | 2,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7810% | 1,873 |
| Assets per employee ($millions) | 4.7849% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2040% | 368 |
| Loan loss allowance to noncurrent loans | 2,769.2737% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0550% | 4,749 |
| Noncurrent loans to loans | 0.0796% | 4,553 |
| Net loans and leases to total assets | 43.3659% | 4,936 |
| Net loans and leases to deposits | 50.8155% | 4,953 |
| Net loans and leases to core deposits | 54.3335% | 4,922 |
| Total domestic deposits to total assets | 85.3398% | 2,552 |
| Equity capital to assets | 11.3069% | 2,355 |
| Core capital (leverage) ratio | 11.6812% | 1,918 |
| Tier 1 risk-based capital ratio | 22.8774% | 944 |
| Total risk-based capital ratio | 24.1361% | 927 |
| Memoranda: | ||
| Average total assets | $511,501,670 | 1,385 |
| Average earning assets | $489,107,000 | 1,343 |
| Average equity | $57,373,670 | 1,371 |
| Average total loans | $218,513,330 | 2,048 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2317% | 5,207 |
| Cost of funding earning assets | 0.5690% | 2,258 |
| Net interest margin | 2.6627% | 5,281 |
| Noninterest income to average assets | 0.2912% | 4,219 |
| Noninterest expense to average assets | 2.1018% | 4,657 |
| Loan and lease loss provision to assets | -0.4672% | 5,576 |
| Net operating income to assets | 0.9370% | 3,124 |
| Return on assets (ROA) | 0.9376% | 3,139 |
| Pretax return on assets | 1.2047% | 2,730 |
| Return on Equity (ROE) | 8.3923% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.3923% | 1,692 |
| Net charge-offs to loans | -1.3079% | 5,547 |
| Credit loss provision to net charge-offs | 85.2273% | 1,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1139% | 2,026 |
| Assets per employee ($millions) | 4.9728% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3393% | 307 |
| Loan loss allowance to noncurrent loans | 1,541.6149% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1371% | 4,404 |
| Noncurrent loans to loans | 0.1517% | 4,300 |
| Net loans and leases to total assets | 40.4597% | 5,049 |
| Net loans and leases to deposits | 48.2175% | 5,035 |
| Net loans and leases to core deposits | 51.7751% | 4,988 |
| Total domestic deposits to total assets | 83.9108% | 3,361 |
| Equity capital to assets | 11.1476% | 2,435 |
| Core capital (leverage) ratio | 11.3149% | 2,153 |
| Tier 1 risk-based capital ratio | 23.5302% | 890 |
| Total risk-based capital ratio | 24.7898% | 871 |
| Memoranda: | ||
| Average total assets | $513,651,000 | 1,386 |
| Average earning assets | $491,377,500 | 1,346 |
| Average equity | $57,386,000 | 1,381 |
| Average total loans | $215,315,000 | 2,080 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1433% | 5,247 |
| Cost of funding earning assets | 0.4491% | 2,786 |
| Net interest margin | 2.6943% | 5,280 |
| Noninterest income to average assets | 0.2642% | 4,550 |
| Noninterest expense to average assets | 2.0100% | 4,942 |
| Loan and lease loss provision to assets | -0.0980% | 5,475 |
| Net operating income to assets | 0.5753% | 4,116 |
| Return on assets (ROA) | 0.5591% | 4,225 |
| Pretax return on assets | 0.9098% | 3,888 |
| Return on Equity (ROE) | 4.9089% | 4,200 |
| Retained earnings to average equity (ytd only) | 2.8029% | 3,631 |
| Net charge-offs to loans | 0.0580% | 2,649 |
| Credit loss provision to net charge-offs | -416.6667% | 4,919 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 1,359 |
| Efficiency ratio | 69.6469% | 2,613 |
| Assets per employee ($millions) | 4.8594% | 2,661 |
| Cash dividends to net income (ytd only)* | 42.9022% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 353 |
| Loan loss allowance to noncurrent loans | 938.2239% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 4,303 |
| Noncurrent loans to loans | 0.2371% | 3,953 |
| Net loans and leases to total assets | 41.4620% | 5,084 |
| Net loans and leases to deposits | 49.4883% | 5,079 |
| Net loans and leases to core deposits | 53.3483% | 5,024 |
| Total domestic deposits to total assets | 83.7814% | 3,285 |
| Equity capital to assets | 11.1966% | 2,432 |
| Core capital (leverage) ratio | 11.1753% | 2,174 |
| Tier 1 risk-based capital ratio | 22.8486% | 925 |
| Total risk-based capital ratio | 24.1076% | 912 |
| Memoranda: | ||
| Average total assets | $510,305,600 | 1,371 |
| Average earning assets | $489,226,000 | 1,331 |
| Average equity | $58,119,000 | 1,351 |
| Average total loans | $206,882,600 | 2,104 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 5,306 |
| Cost of funding earning assets | 0.4348% | 2,855 |
| Net interest margin | 2.6928% | 5,327 |
| Noninterest income to average assets | 0.2585% | 4,653 |
| Noninterest expense to average assets | 2.1182% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5692% | 4,511 |
| Return on assets (ROA) | 0.5759% | 4,519 |
| Pretax return on assets | 0.7343% | 4,525 |
| Return on Equity (ROE) | 5.0351% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.0351% | 2,869 |
| Net charge-offs to loans | 0.0340% | 2,752 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 53.2896% | 1,075 |
| Efficiency ratio | 73.5335% | 1,968 |
| Assets per employee ($millions) | 4.7469% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5890% | 239 |
| Loan loss allowance to noncurrent loans | 999.6317% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1764% | 4,400 |
| Noncurrent loans to loans | 0.2590% | 4,035 |
| Net loans and leases to total assets | 40.2079% | 5,193 |
| Net loans and leases to deposits | 47.7450% | 5,193 |
| Net loans and leases to core deposits | 51.5608% | 5,150 |
| Total domestic deposits to total assets | 84.2137% | 3,041 |
| Equity capital to assets | 11.6947% | 2,193 |
| Core capital (leverage) ratio | 11.2078% | 2,267 |
| Tier 1 risk-based capital ratio | 23.7418% | 872 |
| Total risk-based capital ratio | 25.0044% | 854 |
| Memoranda: | ||
| Average total assets | $509,106,750 | 1,387 |
| Average earning assets | $488,791,250 | 1,342 |
| Average equity | $58,230,250 | 1,362 |
| Average total loans | $203,995,500 | 2,138 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0827% | 5,364 |
| Cost of funding earning assets | 0.4132% | 2,950 |
| Net interest margin | 2.6695% | 5,393 |
| Noninterest income to average assets | 0.2528% | 4,726 |
| Noninterest expense to average assets | 2.1221% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5442% | 4,551 |
| Return on assets (ROA) | 0.5433% | 4,592 |
| Pretax return on assets | 0.6913% | 4,575 |
| Return on Equity (ROE) | 4.7856% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.7856% | 2,861 |
| Net charge-offs to loans | -0.0010% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4351% | 1,933 |
| Assets per employee ($millions) | 4.9049% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6976% | 222 |
| Loan loss allowance to noncurrent loans | 707.2258% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.1898% | 4,419 |
| Noncurrent loans to loans | 0.3814% | 3,654 |
| Net loans and leases to total assets | 38.7566% | 5,273 |
| Net loans and leases to deposits | 46.3157% | 5,275 |
| Net loans and leases to core deposits | 50.0638% | 5,220 |
| Total domestic deposits to total assets | 83.6791% | 3,333 |
| Equity capital to assets | 11.5567% | 2,269 |
| Core capital (leverage) ratio | 11.0165% | 2,389 |
| Tier 1 risk-based capital ratio | 23.8651% | 863 |
| Total risk-based capital ratio | 25.1282% | 844 |
| Memoranda: | ||
| Average total assets | $509,501,330 | 1,392 |
| Average earning assets | $488,922,000 | 1,346 |
| Average equity | $57,840,330 | 1,369 |
| Average total loans | $202,109,670 | 2,149 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0880% | 5,379 |
| Cost of funding earning assets | 0.3922% | 3,080 |
| Net interest margin | 2.6958% | 5,399 |
| Noninterest income to average assets | 0.2553% | 4,711 |
| Noninterest expense to average assets | 2.1139% | 4,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5678% | 4,292 |
| Return on assets (ROA) | 0.5672% | 4,341 |
| Pretax return on assets | 0.7266% | 4,357 |
| Return on Equity (ROE) | 5.0415% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,865 |
| Net charge-offs to loans | 0.0437% | 1,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 42.0909% | 1,000 |
| Efficiency ratio | 73.4587% | 2,329 |
| Assets per employee ($millions) | 4.7192% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7167% | 249 |
| Loan loss allowance to noncurrent loans | 835.8346% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 4,591 |
| Noncurrent loans to loans | 0.3250% | 3,960 |
| Net loans and leases to total assets | 37.9963% | 5,324 |
| Net loans and leases to deposits | 45.4308% | 5,320 |
| Net loans and leases to core deposits | 47.2726% | 5,327 |
| Total domestic deposits to total assets | 83.6355% | 3,607 |
| Equity capital to assets | 11.2348% | 2,401 |
| Core capital (leverage) ratio | 10.9090% | 2,466 |
| Tier 1 risk-based capital ratio | 23.7367% | 892 |
| Total risk-based capital ratio | 24.9997% | 874 |
| Memoranda: | ||
| Average total assets | $509,196,000 | 1,394 |
| Average earning assets | $488,471,500 | 1,347 |
| Average equity | $57,284,500 | 1,376 |
| Average total loans | $201,573,000 | 2,165 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 5,350 |
| Cost of funding earning assets | 0.3682% | 3,333 |
| Net interest margin | 2.7928% | 5,302 |
| Noninterest income to average assets | 0.2301% | 5,036 |
| Noninterest expense to average assets | 2.0686% | 5,058 |
| Loan and lease loss provision to assets | -0.1014% | 5,693 |
| Net operating income to assets | 0.6854% | 3,844 |
| Return on assets (ROA) | 0.6999% | 3,891 |
| Pretax return on assets | 0.9634% | 3,603 |
| Return on Equity (ROE) | 5.8345% | 4,062 |
| Retained earnings to average equity (ytd only) | 1.0766% | 4,876 |
| Net charge-offs to loans | 0.1245% | 2,007 |
| Credit loss provision to net charge-offs | -204.0816% | 5,011 |
| Earnings coverage of net charge-offs (x) | 16.9551% | 2,083 |
| Efficiency ratio | 70.1052% | 2,882 |
| Assets per employee ($millions) | 4.5818% | 2,995 |
| Cash dividends to net income (ytd only)* | 81.5469% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7097% | 249 |
| Loan loss allowance to noncurrent loans | 674.0467% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 4,642 |
| Noncurrent loans to loans | 0.4020% | 3,708 |
| Net loans and leases to total assets | 39.0393% | 5,357 |
| Net loans and leases to deposits | 46.5471% | 5,349 |
| Net loans and leases to core deposits | 48.4863% | 5,352 |
| Total domestic deposits to total assets | 83.8705% | 3,471 |
| Equity capital to assets | 11.2655% | 2,356 |
| Core capital (leverage) ratio | 11.1982% | 2,169 |
| Tier 1 risk-based capital ratio | 23.4888% | 918 |
| Total risk-based capital ratio | 24.7519% | 904 |
| Memoranda: | ||
| Average total assets | $493,235,600 | 1,395 |
| Average earning assets | $473,437,000 | 1,333 |
| Average equity | $59,165,200 | 1,303 |
| Average total loans | $196,726,400 | 2,142 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1946% | 5,364 |
| Cost of funding earning assets | 0.3714% | 3,316 |
| Net interest margin | 2.8232% | 5,318 |
| Noninterest income to average assets | 0.2071% | 5,228 |
| Noninterest expense to average assets | 2.0926% | 5,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6155% | 4,228 |
| Return on assets (ROA) | 0.6352% | 4,275 |
| Pretax return on assets | 0.8537% | 4,142 |
| Return on Equity (ROE) | 5.2139% | 4,425 |
| Retained earnings to average equity (ytd only) | 5.2139% | 2,683 |
| Net charge-offs to loans | 0.0546% | 2,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 38.0389% | 1,278 |
| Efficiency ratio | 70.7131% | 2,791 |
| Assets per employee ($millions) | 4.4852% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1485% | 159 |
| Loan loss allowance to noncurrent loans | 588.0383% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,577 |
| Noncurrent loans to loans | 0.5354% | 3,386 |
| Net loans and leases to total assets | 38.6653% | 5,442 |
| Net loans and leases to deposits | 46.5228% | 5,437 |
| Net loans and leases to core deposits | 48.5757% | 5,434 |
| Total domestic deposits to total assets | 83.1105% | 3,541 |
| Equity capital to assets | 12.5330% | 1,754 |
| Core capital (leverage) ratio | 11.7200% | 1,868 |
| Tier 1 risk-based capital ratio | 24.7593% | 839 |
| Total risk-based capital ratio | 26.0268% | 822 |
| Memoranda: | ||
| Average total assets | $490,545,250 | 1,408 |
| Average earning assets | $471,322,250 | 1,343 |
| Average equity | $59,762,000 | 1,304 |
| Average total loans | $195,348,750 | 2,162 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2264% | 5,395 |
| Cost of funding earning assets | 0.3671% | 3,387 |
| Net interest margin | 2.8594% | 5,331 |
| Noninterest income to average assets | 0.1739% | 5,449 |
| Noninterest expense to average assets | 2.1030% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6086% | 4,231 |
| Return on assets (ROA) | 0.6382% | 4,247 |
| Pretax return on assets | 0.8581% | 4,090 |
| Return on Equity (ROE) | 5.2887% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.2887% | 2,553 |
| Net charge-offs to loans | 0.0768% | 2,094 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 26.7867% | 1,477 |
| Efficiency ratio | 71.0303% | 2,818 |
| Assets per employee ($millions) | 4.4650% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1051% | 173 |
| Loan loss allowance to noncurrent loans | 733.8902% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 4,697 |
| Noncurrent loans to loans | 0.4231% | 3,837 |
| Net loans and leases to total assets | 39.4318% | 5,448 |
| Net loans and leases to deposits | 47.7281% | 5,429 |
| Net loans and leases to core deposits | 49.8329% | 5,441 |
| Total domestic deposits to total assets | 82.6175% | 3,787 |
| Equity capital to assets | 12.4544% | 1,802 |
| Core capital (leverage) ratio | 11.5240% | 1,975 |
| Tier 1 risk-based capital ratio | 24.1789% | 885 |
| Total risk-based capital ratio | 25.4462% | 871 |
| Memoranda: | ||
| Average total assets | $491,098,670 | 1,411 |
| Average earning assets | $471,851,000 | 1,346 |
| Average equity | $59,258,670 | 1,314 |
| Average total loans | $195,407,000 | 2,164 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2733% | 5,369 |
| Cost of funding earning assets | 0.3703% | 3,394 |
| Net interest margin | 2.9030% | 5,315 |
| Noninterest income to average assets | 0.2287% | 5,105 |
| Noninterest expense to average assets | 2.0880% | 5,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6856% | 3,788 |
| Return on assets (ROA) | 0.6844% | 3,906 |
| Pretax return on assets | 0.9301% | 3,728 |
| Return on Equity (ROE) | 5.7630% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.7630% | 2,492 |
| Net charge-offs to loans | 0.1566% | 1,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.1184% | 1,671 |
| Efficiency ratio | 68.2331% | 3,422 |
| Assets per employee ($millions) | 4.5784% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1864% | 184 |
| Loan loss allowance to noncurrent loans | 681.7073% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 4,728 |
| Noncurrent loans to loans | 0.4674% | 3,772 |
| Net loans and leases to total assets | 38.1362% | 5,553 |
| Net loans and leases to deposits | 46.9543% | 5,466 |
| Net loans and leases to core deposits | 49.2460% | 5,473 |
| Total domestic deposits to total assets | 81.2198% | 4,424 |
| Equity capital to assets | 12.1528% | 1,915 |
| Core capital (leverage) ratio | 11.2197% | 2,209 |
| Tier 1 risk-based capital ratio | 24.4799% | 865 |
| Total risk-based capital ratio | 25.7481% | 848 |
| Memoranda: | ||
| Average total assets | $493,305,000 | 1,400 |
| Average earning assets | $474,267,500 | 1,338 |
| Average equity | $58,581,000 | 1,323 |
| Average total loans | $194,081,000 | 2,172 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1622% | 5,558 |
| Cost of funding earning assets | 0.3853% | 3,312 |
| Net interest margin | 2.7769% | 5,558 |
| Noninterest income to average assets | 0.2244% | 5,255 |
| Noninterest expense to average assets | 1.8298% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7628% | 3,516 |
| Return on assets (ROA) | 0.7803% | 3,493 |
| Pretax return on assets | 1.0969% | 3,080 |
| Return on Equity (ROE) | 7.0954% | 3,465 |
| Retained earnings to average equity (ytd only) | 3.4924% | 3,574 |
| Net charge-offs to loans | 0.0643% | 2,939 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 45.1736% | 1,076 |
| Efficiency ratio | 62.1198% | 4,586 |
| Assets per employee ($millions) | 4.7762% | 2,638 |
| Cash dividends to net income (ytd only)* | 50.7793% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1892% | 180 |
| Loan loss allowance to noncurrent loans | 618.1728% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.2229% | 4,695 |
| Noncurrent loans to loans | 0.5159% | 3,631 |
| Net loans and leases to total assets | 38.0421% | 5,620 |
| Net loans and leases to deposits | 45.7573% | 5,579 |
| Net loans and leases to core deposits | 47.7513% | 5,573 |
| Total domestic deposits to total assets | 83.1388% | 3,797 |
| Equity capital to assets | 11.6015% | 2,277 |
| Core capital (leverage) ratio | 10.8437% | 2,568 |
| Tier 1 risk-based capital ratio | 23.8904% | 933 |
| Total risk-based capital ratio | 25.1584% | 924 |
| Memoranda: | ||
| Average total assets | $509,786,000 | 1,317 |
| Average earning assets | $491,557,000 | 1,270 |
| Average equity | $56,064,800 | 1,334 |
| Average total loans | $188,194,600 | 2,173 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1442% | 5,649 |
| Cost of funding earning assets | 0.3903% | 3,322 |
| Net interest margin | 2.7539% | 5,656 |
| Noninterest income to average assets | 0.2614% | 5,068 |
| Noninterest expense to average assets | 1.8862% | 5,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7172% | 3,835 |
| Return on assets (ROA) | 0.7380% | 3,833 |
| Pretax return on assets | 1.0624% | 3,364 |
| Return on Equity (ROE) | 6.8013% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.8013% | 1,787 |
| Net charge-offs to loans | 0.0501% | 2,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 56.7435% | 948 |
| Efficiency ratio | 63.7133% | 4,296 |
| Assets per employee ($millions) | 4.8577% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3438% | 173 |
| Loan loss allowance to noncurrent loans | 806.6838% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 5,058 |
| Noncurrent loans to loans | 0.4145% | 4,120 |
| Net loans and leases to total assets | 35.9094% | 5,787 |
| Net loans and leases to deposits | 44.8063% | 5,695 |
| Net loans and leases to core deposits | 46.9851% | 5,695 |
| Total domestic deposits to total assets | 80.1437% | 4,711 |
| Equity capital to assets | 11.3866% | 2,598 |
| Core capital (leverage) ratio | 10.6540% | 2,875 |
| Tier 1 risk-based capital ratio | 23.7218% | 975 |
| Total risk-based capital ratio | 24.9907% | 961 |
| Memoranda: | ||
| Average total assets | $513,052,250 | 1,316 |
| Average earning assets | $494,997,750 | 1,271 |
| Average equity | $55,674,250 | 1,351 |
| Average total loans | $186,446,250 | 2,201 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1067% | 5,737 |
| Cost of funding earning assets | 0.3969% | 3,308 |
| Net interest margin | 2.7098% | 5,752 |
| Noninterest income to average assets | 0.2680% | 5,038 |
| Noninterest expense to average assets | 1.8803% | 5,743 |
| Loan and lease loss provision to assets | 0.0586% | 2,932 |
| Net operating income to assets | 0.6571% | 4,093 |
| Return on assets (ROA) | 0.6764% | 4,106 |
| Pretax return on assets | 0.9700% | 3,696 |
| Return on Equity (ROE) | 6.3352% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.3352% | 2,040 |
| Net charge-offs to loans | 0.0774% | 2,280 |
| Credit loss provision to net charge-offs | 209.7222% | 1,184 |
| Earnings coverage of net charge-offs (x) | 35.8472% | 1,211 |
| Efficiency ratio | 64.3290% | 4,303 |
| Assets per employee ($millions) | 4.7157% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4083% | 172 |
| Loan loss allowance to noncurrent loans | 891.1234% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 5,224 |
| Noncurrent loans to loans | 0.3825% | 4,338 |
| Net loans and leases to total assets | 36.0872% | 5,816 |
| Net loans and leases to deposits | 44.3376% | 5,751 |
| Net loans and leases to core deposits | 46.6315% | 5,737 |
| Total domestic deposits to total assets | 81.3918% | 4,488 |
| Equity capital to assets | 11.0062% | 2,872 |
| Core capital (leverage) ratio | 10.3287% | 3,178 |
| Tier 1 risk-based capital ratio | 23.0233% | 1,078 |
| Total risk-based capital ratio | 24.2929% | 1,052 |
| Memoranda: | ||
| Average total assets | $515,670,000 | 1,324 |
| Average earning assets | $497,308,670 | 1,266 |
| Average equity | $55,057,330 | 1,373 |
| Average total loans | $186,031,670 | 2,215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0978% | 5,786 |
| Cost of funding earning assets | 0.3956% | 3,355 |
| Net interest margin | 2.7022% | 5,803 |
| Noninterest income to average assets | 0.2402% | 5,255 |
| Noninterest expense to average assets | 1.8994% | 5,760 |
| Loan and lease loss provision to assets | 0.0576% | 2,779 |
| Net operating income to assets | 0.6267% | 4,160 |
| Return on assets (ROA) | 0.6654% | 4,099 |
| Pretax return on assets | 0.9432% | 3,726 |
| Return on Equity (ROE) | 6.3263% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.3263% | 2,325 |
| Net charge-offs to loans | 0.0043% | 3,175 |
| Credit loss provision to net charge-offs | 3,750.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 616.5000% | 84 |
| Efficiency ratio | 65.8306% | 4,190 |
| Assets per employee ($millions) | 4.9297% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3965% | 202 |
| Loan loss allowance to noncurrent loans | 808.4383% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 4,873 |
| Noncurrent loans to loans | 0.4201% | 4,333 |
| Net loans and leases to total assets | 35.6102% | 5,845 |
| Net loans and leases to deposits | 43.8170% | 5,766 |
| Net loans and leases to core deposits | 46.1199% | 5,751 |
| Total domestic deposits to total assets | 81.2702% | 4,745 |
| Equity capital to assets | 10.9535% | 3,023 |
| Core capital (leverage) ratio | 10.0030% | 3,594 |
| Tier 1 risk-based capital ratio | 22.1899% | 1,208 |
| Total risk-based capital ratio | 23.4584% | 1,194 |
| Memoranda: | ||
| Average total assets | $521,216,000 | 1,316 |
| Average earning assets | $502,547,000 | 1,257 |
| Average equity | $54,818,500 | 1,387 |
| Average total loans | $184,791,000 | 2,232 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 5,730 |
| Cost of funding earning assets | 0.4645% | 3,028 |
| Net interest margin | 2.8168% | 5,778 |
| Noninterest income to average assets | 0.3149% | 4,868 |
| Noninterest expense to average assets | 1.8866% | 5,955 |
| Loan and lease loss provision to assets | 0.1207% | 2,162 |
| Net operating income to assets | 0.7109% | 3,832 |
| Return on assets (ROA) | 0.7109% | 3,944 |
| Pretax return on assets | 1.0135% | 3,441 |
| Return on Equity (ROE) | 7.1255% | 3,562 |
| Retained earnings to average equity (ytd only) | 5.6327% | 2,177 |
| Net charge-offs to loans | 0.1947% | 2,105 |
| Credit loss provision to net charge-offs | 172.7273% | 1,402 |
| Earnings coverage of net charge-offs (x) | 16.2273% | 2,028 |
| Efficiency ratio | 61.7038% | 4,954 |
| Assets per employee ($millions) | 4.9976% | 2,325 |
| Cash dividends to net income (ytd only)* | 20.9497% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5139% | 182 |
| Loan loss allowance to noncurrent loans | 644.2640% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 4,791 |
| Noncurrent loans to loans | 0.5454% | 4,025 |
| Net loans and leases to total assets | 32.8929% | 6,087 |
| Net loans and leases to deposits | 40.2988% | 6,031 |
| Net loans and leases to core deposits | 42.2319% | 6,030 |
| Total domestic deposits to total assets | 81.6225% | 4,561 |
| Equity capital to assets | 10.0954% | 3,989 |
| Core capital (leverage) ratio | 9.6027% | 4,095 |
| Tier 1 risk-based capital ratio | 22.9345% | 1,097 |
| Total risk-based capital ratio | 24.2050% | 1,068 |
| Memoranda: | ||
| Average total assets | $503,611,000 | 1,325 |
| Average earning assets | $483,781,800 | 1,271 |
| Average equity | $50,242,000 | 1,434 |
| Average total loans | $180,777,400 | 2,216 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3030% | 5,766 |
| Cost of funding earning assets | 0.4774% | 2,982 |
| Net interest margin | 2.8255% | 5,834 |
| Noninterest income to average assets | 0.3283% | 4,810 |
| Noninterest expense to average assets | 1.9259% | 5,906 |
| Loan and lease loss provision to assets | 0.1220% | 2,045 |
| Net operating income to assets | 0.7073% | 3,904 |
| Return on assets (ROA) | 0.7060% | 4,015 |
| Pretax return on assets | 0.9914% | 3,628 |
| Return on Equity (ROE) | 7.0991% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.0991% | 1,769 |
| Net charge-offs to loans | 0.2146% | 1,753 |
| Credit loss provision to net charge-offs | 156.3574% | 1,530 |
| Earnings coverage of net charge-offs (x) | 14.2887% | 2,155 |
| Efficiency ratio | 62.6213% | 4,793 |
| Assets per employee ($millions) | 5.0552% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4298% | 243 |
| Loan loss allowance to noncurrent loans | 600.7685% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 4,646 |
| Noncurrent loans to loans | 0.5709% | 4,208 |
| Net loans and leases to total assets | 33.8184% | 6,118 |
| Net loans and leases to deposits | 40.9443% | 6,088 |
| Net loans and leases to core deposits | 43.3112% | 6,071 |
| Total domestic deposits to total assets | 82.5961% | 4,269 |
| Equity capital to assets | 10.2000% | 3,934 |
| Core capital (leverage) ratio | 9.6952% | 4,083 |
| Tier 1 risk-based capital ratio | 22.4098% | 1,203 |
| Total risk-based capital ratio | 23.6789% | 1,182 |
| Memoranda: | ||
| Average total assets | $497,077,000 | 1,354 |
| Average earning assets | $477,255,250 | 1,295 |
| Average equity | $49,432,500 | 1,458 |
| Average total loans | $180,823,000 | 2,234 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3165% | 5,767 |
| Cost of funding earning assets | 0.4873% | 2,954 |
| Net interest margin | 2.8292% | 5,852 |
| Noninterest income to average assets | 0.3655% | 4,513 |
| Noninterest expense to average assets | 1.9108% | 5,982 |
| Loan and lease loss provision to assets | 0.1235% | 2,000 |
| Net operating income to assets | 0.7392% | 3,626 |
| Return on assets (ROA) | 0.7342% | 3,746 |
| Pretax return on assets | 1.0372% | 3,336 |
| Return on Equity (ROE) | 7.4513% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.4513% | 1,539 |
| Net charge-offs to loans | 0.2839% | 1,404 |
| Credit loss provision to net charge-offs | 117.9688% | 1,740 |
| Earnings coverage of net charge-offs (x) | 11.1563% | 2,184 |
| Efficiency ratio | 61.4608% | 5,079 |
| Assets per employee ($millions) | 4.9775% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2664% | 286 |
| Loan loss allowance to noncurrent loans | 279.5444% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6675% | 3,987 |
| Noncurrent loans to loans | 1.1685% | 2,889 |
| Net loans and leases to total assets | 35.7920% | 6,059 |
| Net loans and leases to deposits | 43.1153% | 6,018 |
| Net loans and leases to core deposits | 45.9912% | 5,997 |
| Total domestic deposits to total assets | 83.0146% | 4,304 |
| Equity capital to assets | 10.3028% | 3,691 |
| Core capital (leverage) ratio | 9.7887% | 3,901 |
| Tier 1 risk-based capital ratio | 21.3940% | 1,365 |
| Total risk-based capital ratio | 22.6615% | 1,336 |
| Memoranda: | ||
| Average total assets | $489,207,000 | 1,370 |
| Average earning assets | $469,105,330 | 1,311 |
| Average equity | $48,206,670 | 1,483 |
| Average total loans | $180,316,670 | 2,230 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2804% | 5,881 |
| Cost of funding earning assets | 0.4937% | 2,974 |
| Net interest margin | 2.7867% | 5,959 |
| Noninterest income to average assets | 0.3717% | 4,417 |
| Noninterest expense to average assets | 1.8618% | 6,129 |
| Loan and lease loss provision to assets | 0.1250% | 1,937 |
| Net operating income to assets | 0.7441% | 3,460 |
| Return on assets (ROA) | 0.7342% | 3,601 |
| Pretax return on assets | 1.0426% | 3,157 |
| Return on Equity (ROE) | 7.6350% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.6350% | 1,754 |
| Net charge-offs to loans | 0.0159% | 3,275 |
| Credit loss provision to net charge-offs | 2,142.8571% | 164 |
| Earnings coverage of net charge-offs (x) | 202.5714% | 238 |
| Efficiency ratio | 60.8708% | 5,283 |
| Assets per employee ($millions) | 4.9728% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2573% | 343 |
| Loan loss allowance to noncurrent loans | 690.2547% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 4,678 |
| Noncurrent loans to loans | 0.4719% | 4,747 |
| Net loans and leases to total assets | 36.4974% | 6,043 |
| Net loans and leases to deposits | 43.8672% | 5,983 |
| Net loans and leases to core deposits | 46.8539% | 5,943 |
| Total domestic deposits to total assets | 83.1997% | 4,532 |
| Equity capital to assets | 9.9177% | 3,943 |
| Core capital (leverage) ratio | 9.5800% | 4,161 |
| Tier 1 risk-based capital ratio | 20.8850% | 1,491 |
| Total risk-based capital ratio | 22.1528% | 1,466 |
| Memoranda: | ||
| Average total assets | $479,957,500 | 1,404 |
| Average earning assets | $460,184,000 | 1,341 |
| Average equity | $46,156,000 | 1,553 |
| Average total loans | $176,548,000 | 2,271 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1024% | 6,236 |
| Cost of funding earning assets | 0.5813% | 2,825 |
| Net interest margin | 2.5212% | 6,356 |
| Noninterest income to average assets | 0.3389% | 4,898 |
| Noninterest expense to average assets | 1.8391% | 6,267 |
| Loan and lease loss provision to assets | 0.2099% | 1,763 |
| Net operating income to assets | 0.5550% | 4,482 |
| Return on assets (ROA) | 0.5576% | 4,594 |
| Pretax return on assets | 0.7045% | 4,524 |
| Return on Equity (ROE) | 5.4426% | 4,430 |
| Retained earnings to average equity (ytd only) | -2.4387% | 6,216 |
| Net charge-offs to loans | 0.5090% | 1,300 |
| Credit loss provision to net charge-offs | 105.9371% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.5984% | 3,521 |
| Efficiency ratio | 66.8680% | 4,395 |
| Assets per employee ($millions) | 5.0299% | 2,148 |
| Cash dividends to net income (ytd only)* | 144.8076% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7653% | 234 |
| Loan loss allowance to noncurrent loans | 495.5248% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 3,793 |
| Noncurrent loans to loans | 0.7599% | 4,069 |
| Net loans and leases to total assets | 34.3832% | 6,271 |
| Net loans and leases to deposits | 43.0925% | 6,172 |
| Net loans and leases to core deposits | 45.3328% | 6,169 |
| Total domestic deposits to total assets | 79.7893% | 5,497 |
| Equity capital to assets | 9.2794% | 4,714 |
| Core capital (leverage) ratio | 9.4982% | 4,274 |
| Tier 1 risk-based capital ratio | 20.8470% | 1,453 |
| Total risk-based capital ratio | 22.1190% | 1,432 |
| Memoranda: | ||
| Average total assets | $433,478,600 | 1,526 |
| Average earning assets | $414,610,200 | 1,467 |
| Average equity | $44,408,600 | 1,576 |
| Average total loans | $168,747,400 | 2,317 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1282% | 6,288 |
| Cost of funding earning assets | 0.5964% | 2,840 |
| Net interest margin | 2.5318% | 6,400 |
| Noninterest income to average assets | 0.3627% | 4,797 |
| Noninterest expense to average assets | 1.8976% | 6,191 |
| Loan and lease loss provision to assets | 0.2354% | 1,533 |
| Net operating income to assets | 0.5317% | 4,658 |
| Return on assets (ROA) | 0.5353% | 4,792 |
| Pretax return on assets | 0.6528% | 4,845 |
| Return on Equity (ROE) | 5.0981% | 4,676 |
| Retained earnings to average equity (ytd only) | 5.0981% | 3,007 |
| Net charge-offs to loans | 0.6256% | 987 |
| Credit loss provision to net charge-offs | 94.6250% | 2,516 |
| Earnings coverage of net charge-offs (x) | 3.5525% | 3,669 |
| Efficiency ratio | 68.2210% | 4,054 |
| Assets per employee ($millions) | 4.7851% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6971% | 286 |
| Loan loss allowance to noncurrent loans | 1,002.6756% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.9804% | 3,699 |
| Noncurrent loans to loans | 0.3687% | 5,293 |
| Net loans and leases to total assets | 36.2663% | 6,272 |
| Net loans and leases to deposits | 45.2870% | 6,140 |
| Net loans and leases to core deposits | 47.9151% | 6,128 |
| Total domestic deposits to total assets | 80.0809% | 5,488 |
| Equity capital to assets | 10.4246% | 3,368 |
| Core capital (leverage) ratio | 10.4045% | 3,103 |
| Tier 1 risk-based capital ratio | 22.2956% | 1,264 |
| Total risk-based capital ratio | 23.5672% | 1,235 |
| Memoranda: | ||
| Average total assets | $428,675,250 | 1,552 |
| Average earning assets | $409,559,250 | 1,489 |
| Average equity | $45,009,000 | 1,571 |
| Average total loans | $170,499,250 | 2,310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0616% | 6,386 |
| Cost of funding earning assets | 0.6092% | 2,858 |
| Net interest margin | 2.4524% | 6,495 |
| Noninterest income to average assets | 0.3420% | 4,950 |
| Noninterest expense to average assets | 1.8803% | 6,258 |
| Loan and lease loss provision to assets | 0.2818% | 1,297 |
| Net operating income to assets | 0.4533% | 4,999 |
| Return on assets (ROA) | 0.4533% | 5,172 |
| Pretax return on assets | 0.5219% | 5,298 |
| Return on Equity (ROE) | 4.3066% | 5,093 |
| Retained earnings to average equity (ytd only) | 4.3066% | 3,544 |
| Net charge-offs to loans | 0.9119% | 681 |
| Credit loss provision to net charge-offs | 76.3291% | 2,700 |
| Earnings coverage of net charge-offs (x) | 2.1772% | 3,801 |
| Efficiency ratio | 70.0557% | 3,814 |
| Assets per employee ($millions) | 4.7053% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4551% | 383 |
| Loan loss allowance to noncurrent loans | 176.7976% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 1.2826% | 3,199 |
| Noncurrent loans to loans | 1.9543% | 2,449 |
| Net loans and leases to total assets | 39.0475% | 6,107 |
| Net loans and leases to deposits | 48.4390% | 5,954 |
| Net loans and leases to core deposits | 51.3526% | 5,933 |
| Total domestic deposits to total assets | 80.6117% | 5,449 |
| Equity capital to assets | 10.5404% | 3,249 |
| Core capital (leverage) ratio | 10.3624% | 3,030 |
| Tier 1 risk-based capital ratio | 21.8003% | 1,327 |
| Total risk-based capital ratio | 23.0710% | 1,294 |
| Memoranda: | ||
| Average total assets | $428,013,000 | 1,557 |
| Average earning assets | $408,743,670 | 1,490 |
| Average equity | $45,047,000 | 1,572 |
| Average total loans | $173,272,000 | 2,278 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0135% | 6,503 |
| Cost of funding earning assets | 0.6074% | 3,037 |
| Net interest margin | 2.4061% | 6,591 |
| Noninterest income to average assets | 0.3264% | 5,094 |
| Noninterest expense to average assets | 1.8861% | 6,293 |
| Loan and lease loss provision to assets | 0.2774% | 1,266 |
| Net operating income to assets | 0.3957% | 5,144 |
| Return on assets (ROA) | 0.3957% | 5,288 |
| Pretax return on assets | 0.4521% | 5,407 |
| Return on Equity (ROE) | 3.7626% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.7626% | 3,979 |
| Net charge-offs to loans | 0.8081% | 752 |
| Credit loss provision to net charge-offs | 84.7458% | 2,098 |
| Earnings coverage of net charge-offs (x) | 2.2288% | 3,095 |
| Efficiency ratio | 72.1103% | 3,593 |
| Assets per employee ($millions) | 4.8533% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4573% | 437 |
| Loan loss allowance to noncurrent loans | 133.9825% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 2.3021% | 2,020 |
| Noncurrent loans to loans | 2.5804% | 2,002 |
| Net loans and leases to total assets | 39.1324% | 6,072 |
| Net loans and leases to deposits | 49.0739% | 5,850 |
| Net loans and leases to core deposits | 51.8119% | 5,838 |
| Total domestic deposits to total assets | 79.7418% | 5,813 |
| Equity capital to assets | 10.7000% | 3,319 |
| Core capital (leverage) ratio | 10.1456% | 3,225 |
| Tier 1 risk-based capital ratio | 20.9625% | 1,548 |
| Total risk-based capital ratio | 22.2327% | 1,515 |
| Memoranda: | ||
| Average total assets | $432,635,000 | 1,556 |
| Average earning assets | $411,613,000 | 1,492 |
| Average equity | $45,500,500 | 1,575 |
| Average total loans | $175,222,500 | 2,269 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4755% | 6,381 |
| Cost of funding earning assets | 0.7182% | 3,341 |
| Net interest margin | 2.7572% | 6,434 |
| Noninterest income to average assets | 0.2935% | 5,369 |
| Noninterest expense to average assets | 1.7913% | 6,637 |
| Loan and lease loss provision to assets | 0.3852% | 1,692 |
| Net operating income to assets | 0.5704% | 4,374 |
| Return on assets (ROA) | 0.5789% | 4,599 |
| Pretax return on assets | 0.7722% | 4,401 |
| Return on Equity (ROE) | 5.2744% | 4,554 |
| Retained earnings to average equity (ytd only) | -3.4381% | 6,299 |
| Net charge-offs to loans | 1.2558% | 785 |
| Credit loss provision to net charge-offs | 69.2276% | 4,198 |
| Earnings coverage of net charge-offs (x) | 2.0599% | 4,382 |
| Efficiency ratio | 60.9842% | 5,387 |
| Assets per employee ($millions) | 4.8687% | 2,393 |
| Cash dividends to net income (ytd only)* | 165.1846% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4055% | 466 |
| Loan loss allowance to noncurrent loans | 160.4410% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 2,701 |
| Noncurrent loans to loans | 2.1226% | 2,558 |
| Net loans and leases to total assets | 39.0913% | 6,223 |
| Net loans and leases to deposits | 48.8517% | 6,045 |
| Net loans and leases to core deposits | 51.2096% | 6,073 |
| Total domestic deposits to total assets | 80.0205% | 5,657 |
| Equity capital to assets | 10.3388% | 3,710 |
| Core capital (leverage) ratio | 10.0504% | 3,339 |
| Tier 1 risk-based capital ratio | 20.3861% | 1,587 |
| Total risk-based capital ratio | 21.6562% | 1,552 |
| Memoranda: | ||
| Average total assets | $435,148,600 | 1,518 |
| Average earning assets | $417,268,400 | 1,444 |
| Average equity | $47,759,200 | 1,461 |
| Average total loans | $192,786,200 | 2,072 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 6,452 |
| Cost of funding earning assets | 0.7412% | 3,418 |
| Net interest margin | 2.8063% | 6,492 |
| Noninterest income to average assets | 0.2836% | 5,515 |
| Noninterest expense to average assets | 1.8432% | 6,626 |
| Loan and lease loss provision to assets | 0.4205% | 1,519 |
| Net operating income to assets | 0.5613% | 4,567 |
| Return on assets (ROA) | 0.5730% | 4,781 |
| Pretax return on assets | 0.7345% | 4,727 |
| Return on Equity (ROE) | 5.1460% | 4,753 |
| Retained earnings to average equity (ytd only) | 5.1460% | 3,260 |
| Net charge-offs to loans | 1.2916% | 733 |
| Credit loss provision to net charge-offs | 71.9160% | 3,857 |
| Earnings coverage of net charge-offs (x) | 1.9496% | 4,284 |
| Efficiency ratio | 61.7862% | 5,189 |
| Assets per employee ($millions) | 4.6492% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2832% | 559 |
| Loan loss allowance to noncurrent loans | 92.1002% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 1.6517% | 3,104 |
| Noncurrent loans to loans | 3.5648% | 1,518 |
| Net loans and leases to total assets | 43.5103% | 6,005 |
| Net loans and leases to deposits | 54.8078% | 5,733 |
| Net loans and leases to core deposits | 57.5486% | 5,761 |
| Total domestic deposits to total assets | 79.3871% | 5,784 |
| Equity capital to assets | 11.6933% | 2,540 |
| Core capital (leverage) ratio | 10.9603% | 2,432 |
| Tier 1 risk-based capital ratio | 21.5447% | 1,414 |
| Total risk-based capital ratio | 22.8155% | 1,383 |
| Memoranda: | ||
| Average total assets | $434,389,750 | 1,533 |
| Average earning assets | $417,865,250 | 1,454 |
| Average equity | $48,373,250 | 1,469 |
| Average total loans | $196,650,000 | 2,058 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 6,496 |
| Cost of funding earning assets | 0.7552% | 3,567 |
| Net interest margin | 2.8383% | 6,520 |
| Noninterest income to average assets | 0.2542% | 5,759 |
| Noninterest expense to average assets | 1.8651% | 6,663 |
| Loan and lease loss provision to assets | 0.4154% | 1,579 |
| Net operating income to assets | 0.5424% | 4,614 |
| Return on assets (ROA) | 0.5596% | 4,822 |
| Pretax return on assets | 0.7239% | 4,759 |
| Return on Equity (ROE) | 5.1076% | 4,757 |
| Retained earnings to average equity (ytd only) | 5.1076% | 3,220 |
| Net charge-offs to loans | 1.9250% | 447 |
| Credit loss provision to net charge-offs | 47.5693% | 4,097 |
| Earnings coverage of net charge-offs (x) | 1.2791% | 4,368 |
| Efficiency ratio | 62.5440% | 5,160 |
| Assets per employee ($millions) | 4.7798% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9747% | 793 |
| Loan loss allowance to noncurrent loans | 94.4608% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.4803% | 3,481 |
| Noncurrent loans to loans | 3.1492% | 1,855 |
| Net loans and leases to total assets | 43.8318% | 6,027 |
| Net loans and leases to deposits | 55.4991% | 5,706 |
| Net loans and leases to core deposits | 58.0665% | 5,766 |
| Total domestic deposits to total assets | 78.9776% | 5,963 |
| Equity capital to assets | 11.2933% | 2,800 |
| Core capital (leverage) ratio | 10.9048% | 2,387 |
| Tier 1 risk-based capital ratio | 20.9280% | 1,494 |
| Total risk-based capital ratio | 22.1953% | 1,461 |
| Memoranda: | ||
| Average total assets | $438,160,000 | 1,521 |
| Average earning assets | $421,097,670 | 1,452 |
| Average equity | $48,007,000 | 1,468 |
| Average total loans | $198,756,000 | 2,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 6,489 |
| Cost of funding earning assets | 0.7656% | 3,741 |
| Net interest margin | 2.9018% | 6,486 |
| Noninterest income to average assets | 0.2832% | 5,604 |
| Noninterest expense to average assets | 1.8871% | 6,666 |
| Loan and lease loss provision to assets | 0.4116% | 1,532 |
| Net operating income to assets | 0.5715% | 4,485 |
| Return on assets (ROA) | 0.6043% | 4,543 |
| Pretax return on assets | 0.8196% | 4,341 |
| Return on Equity (ROE) | 5.5994% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.5994% | 3,203 |
| Net charge-offs to loans | 3.0712% | 233 |
| Credit loss provision to net charge-offs | 29.4880% | 3,629 |
| Earnings coverage of net charge-offs (x) | 0.8503% | 3,901 |
| Efficiency ratio | 61.3891% | 5,386 |
| Assets per employee ($millions) | 5.0151% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8976% | 914 |
| Loan loss allowance to noncurrent loans | 98.3765% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9942% | 2,908 |
| Noncurrent loans to loans | 2.9454% | 2,190 |
| Net loans and leases to total assets | 44.2574% | 5,984 |
| Net loans and leases to deposits | 57.3952% | 5,450 |
| Net loans and leases to core deposits | 59.9875% | 5,531 |
| Total domestic deposits to total assets | 77.1099% | 6,388 |
| Equity capital to assets | 11.1141% | 2,789 |
| Core capital (leverage) ratio | 10.4046% | 2,871 |
| Tier 1 risk-based capital ratio | 20.4163% | 1,614 |
| Total risk-based capital ratio | 21.6830% | 1,582 |
| Memoranda: | ||
| Average total assets | $442,148,500 | 1,507 |
| Average earning assets | $425,260,500 | 1,442 |
| Average equity | $47,719,500 | 1,468 |
| Average total loans | $200,965,000 | 2,028 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1697% | 6,140 |
| Cost of funding earning assets | 1.0055% | 3,336 |
| Net interest margin | 3.1642% | 6,183 |
| Noninterest income to average assets | 0.2593% | 5,680 |
| Noninterest expense to average assets | 1.7529% | 7,007 |
| Loan and lease loss provision to assets | 0.5367% | 1,957 |
| Net operating income to assets | 0.7169% | 3,408 |
| Return on assets (ROA) | 0.7197% | 3,561 |
| Pretax return on assets | 1.0158% | 3,182 |
| Return on Equity (ROE) | 7.1278% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.1279% | 1,945 |
| Net charge-offs to loans | 0.3616% | 3,598 |
| Credit loss provision to net charge-offs | 306.1481% | 757 |
| Earnings coverage of net charge-offs (x) | 8.8331% | 2,083 |
| Efficiency ratio | 53.0948% | 6,604 |
| Assets per employee ($millions) | 5.0333% | 2,148 |
| Cash dividends to net income (ytd only)* | 14.0281% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3036% | 619 |
| Loan loss allowance to noncurrent loans | 116.5435% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 3,046 |
| Noncurrent loans to loans | 2.8346% | 2,314 |
| Net loans and leases to total assets | 43.8343% | 6,222 |
| Net loans and leases to deposits | 58.5356% | 5,647 |
| Net loans and leases to core deposits | 60.9287% | 5,761 |
| Total domestic deposits to total assets | 74.8848% | 6,620 |
| Equity capital to assets | 10.4866% | 3,550 |
| Core capital (leverage) ratio | 9.4356% | 4,132 |
| Tier 1 risk-based capital ratio | 19.0195% | 1,885 |
| Total risk-based capital ratio | 20.2900% | 1,838 |
| Memoranda: | ||
| Average total assets | $454,620,200 | 1,442 |
| Average earning assets | $437,077,800 | 1,390 |
| Average equity | $45,904,800 | 1,484 |
| Average total loans | $220,419,600 | 1,872 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 5,992 |
| Cost of funding earning assets | 1.0394% | 3,396 |
| Net interest margin | 3.2469% | 6,025 |
| Noninterest income to average assets | 0.2476% | 5,845 |
| Noninterest expense to average assets | 1.8149% | 6,977 |
| Loan and lease loss provision to assets | 0.5802% | 1,695 |
| Net operating income to assets | 0.7099% | 3,562 |
| Return on assets (ROA) | 0.7138% | 3,712 |
| Pretax return on assets | 0.9828% | 3,464 |
| Return on Equity (ROE) | 7.1375% | 3,457 |
| Retained earnings to average equity (ytd only) | 7.1375% | 1,892 |
| Net charge-offs to loans | 0.3866% | 3,185 |
| Credit loss provision to net charge-offs | 304.6154% | 931 |
| Earnings coverage of net charge-offs (x) | 8.1784% | 2,222 |
| Efficiency ratio | 53.8141% | 6,508 |
| Assets per employee ($millions) | 4.8254% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9987% | 864 |
| Loan loss allowance to noncurrent loans | 401.9255% | 803 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 4,699 |
| Noncurrent loans to loans | 0.7461% | 5,387 |
| Net loans and leases to total assets | 46.6452% | 6,092 |
| Net loans and leases to deposits | 60.6000% | 5,567 |
| Net loans and leases to core deposits | 63.5008% | 5,670 |
| Total domestic deposits to total assets | 76.9722% | 6,379 |
| Equity capital to assets | 10.5705% | 3,615 |
| Core capital (leverage) ratio | 9.8153% | 3,688 |
| Tier 1 risk-based capital ratio | 18.3530% | 2,135 |
| Total risk-based capital ratio | 19.6208% | 2,092 |
| Memoranda: | ||
| Average total assets | $455,026,000 | 1,455 |
| Average earning assets | $437,939,250 | 1,394 |
| Average equity | $45,505,000 | 1,498 |
| Average total loans | $224,186,500 | 1,862 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 6,063 |
| Cost of funding earning assets | 1.0667% | 3,498 |
| Net interest margin | 3.2187% | 6,105 |
| Noninterest income to average assets | 0.2398% | 5,931 |
| Noninterest expense to average assets | 1.8367% | 7,035 |
| Loan and lease loss provision to assets | 0.5338% | 1,826 |
| Net operating income to assets | 0.7061% | 3,510 |
| Return on assets (ROA) | 0.7119% | 3,596 |
| Pretax return on assets | 0.9796% | 3,315 |
| Return on Equity (ROE) | 7.2535% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.2535% | 1,763 |
| Net charge-offs to loans | 0.3657% | 3,090 |
| Credit loss provision to net charge-offs | 293.9759% | 1,041 |
| Earnings coverage of net charge-offs (x) | 8.2916% | 2,085 |
| Efficiency ratio | 54.9548% | 6,513 |
| Assets per employee ($millions) | 5.0349% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6848% | 1,195 |
| Loan loss allowance to noncurrent loans | 209.5137% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 1.4068% | 4,108 |
| Noncurrent loans to loans | 1.2814% | 4,519 |
| Net loans and leases to total assets | 47.5625% | 6,100 |
| Net loans and leases to deposits | 61.1422% | 5,601 |
| Net loans and leases to core deposits | 64.0477% | 5,715 |
| Total domestic deposits to total assets | 77.7899% | 6,330 |
| Equity capital to assets | 10.2273% | 3,848 |
| Core capital (leverage) ratio | 9.4964% | 3,963 |
| Tier 1 risk-based capital ratio | 17.4373% | 2,363 |
| Total risk-based capital ratio | 18.7016% | 2,327 |
| Memoranda: | ||
| Average total assets | $457,115,330 | 1,457 |
| Average earning assets | $440,606,000 | 1,393 |
| Average equity | $44,861,330 | 1,503 |
| Average total loans | $226,983,670 | 1,864 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 6,304 |
| Cost of funding earning assets | 1.0772% | 3,675 |
| Net interest margin | 3.1117% | 6,321 |
| Noninterest income to average assets | 0.2274% | 6,098 |
| Noninterest expense to average assets | 1.8061% | 7,131 |
| Loan and lease loss provision to assets | 0.6534% | 1,320 |
| Net operating income to assets | 0.5798% | 4,134 |
| Return on assets (ROA) | 0.5811% | 4,196 |
| Pretax return on assets | 0.7798% | 3,972 |
| Return on Equity (ROE) | 6.0471% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.0471% | 2,611 |
| Net charge-offs to loans | 0.3064% | 2,817 |
| Credit loss provision to net charge-offs | 426.1364% | 808 |
| Earnings coverage of net charge-offs (x) | 9.3352% | 1,732 |
| Efficiency ratio | 55.7858% | 6,524 |
| Assets per employee ($millions) | 5.2288% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5020% | 1,453 |
| Loan loss allowance to noncurrent loans | 88.2217% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.4513% | 4,091 |
| Noncurrent loans to loans | 2.8361% | 2,663 |
| Net loans and leases to total assets | 47.8556% | 6,093 |
| Net loans and leases to deposits | 61.4733% | 5,572 |
| Net loans and leases to core deposits | 64.3027% | 5,694 |
| Total domestic deposits to total assets | 77.8479% | 6,398 |
| Equity capital to assets | 9.5655% | 4,347 |
| Core capital (leverage) ratio | 9.1270% | 4,398 |
| Tier 1 risk-based capital ratio | 16.9521% | 2,497 |
| Total risk-based capital ratio | 18.2149% | 2,464 |
| Memoranda: | ||
| Average total assets | $459,102,500 | 1,464 |
| Average earning assets | $444,131,000 | 1,392 |
| Average equity | $44,120,000 | 1,511 |
| Average total loans | $229,740,000 | 1,862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 6,334 |
| Cost of funding earning assets | 1.2757% | 4,049 |
| Net interest margin | 3.2458% | 6,150 |
| Noninterest income to average assets | 0.2767% | 5,799 |
| Noninterest expense to average assets | 1.8059% | 7,257 |
| Loan and lease loss provision to assets | 0.5986% | 2,742 |
| Net operating income to assets | 0.7033% | 3,219 |
| Return on assets (ROA) | 0.7173% | 3,289 |
| Pretax return on assets | 1.0119% | 2,892 |
| Return on Equity (ROE) | 7.4718% | 2,908 |
| Retained earnings to average equity (ytd only) | 6.7593% | 1,424 |
| Net charge-offs to loans | 0.5119% | 3,568 |
| Credit loss provision to net charge-offs | 224.2881% | 1,332 |
| Earnings coverage of net charge-offs (x) | 5.9606% | 2,480 |
| Efficiency ratio | 53.1653% | 6,879 |
| Assets per employee ($millions) | 5.0881% | 2,029 |
| Cash dividends to net income (ytd only)* | 9.5357% | 3,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2249% | 1,833 |
| Loan loss allowance to noncurrent loans | 81.2806% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.4632% | 4,129 |
| Noncurrent loans to loans | 2.7373% | 2,782 |
| Net loans and leases to total assets | 49.8897% | 6,176 |
| Net loans and leases to deposits | 64.7227% | 5,543 |
| Net loans and leases to core deposits | 67.7827% | 5,685 |
| Total domestic deposits to total assets | 77.0822% | 6,470 |
| Equity capital to assets | 9.6558% | 4,206 |
| Core capital (leverage) ratio | 8.9097% | 4,679 |
| Tier 1 risk-based capital ratio | 16.5907% | 2,497 |
| Total risk-based capital ratio | 17.8508% | 2,467 |
| Memoranda: | ||
| Average total assets | $447,375,200 | 1,487 |
| Average earning assets | $430,034,600 | 1,407 |
| Average equity | $42,948,400 | 1,547 |
| Average total loans | $233,254,000 | 1,873 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5518% | 6,465 |
| Cost of funding earning assets | 1.3084% | 4,163 |
| Net interest margin | 3.2434% | 6,196 |
| Noninterest income to average assets | 0.2714% | 5,944 |
| Noninterest expense to average assets | 1.8875% | 7,221 |
| Loan and lease loss provision to assets | 0.5509% | 2,741 |
| Net operating income to assets | 0.6857% | 3,493 |
| Return on assets (ROA) | 0.7046% | 3,546 |
| Pretax return on assets | 0.9739% | 3,275 |
| Return on Equity (ROE) | 7.3504% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.3504% | 1,668 |
| Net charge-offs to loans | 0.1403% | 5,176 |
| Credit loss provision to net charge-offs | 749.1870% | 398 |
| Earnings coverage of net charge-offs (x) | 20.3782% | 1,169 |
| Efficiency ratio | 55.7429% | 6,592 |
| Assets per employee ($millions) | 5.1505% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2636% | 1,681 |
| Loan loss allowance to noncurrent loans | 81.8125% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5212% | 4,170 |
| Noncurrent loans to loans | 2.7668% | 2,873 |
| Net loans and leases to total assets | 49.4895% | 6,376 |
| Net loans and leases to deposits | 68.2303% | 5,387 |
| Net loans and leases to core deposits | 72.0023% | 5,513 |
| Total domestic deposits to total assets | 72.5330% | 7,076 |
| Equity capital to assets | 9.7144% | 4,526 |
| Core capital (leverage) ratio | 9.1713% | 4,424 |
| Tier 1 risk-based capital ratio | 16.4688% | 2,571 |
| Total risk-based capital ratio | 17.7293% | 2,518 |
| Memoranda: | ||
| Average total assets | $446,007,750 | 1,513 |
| Average earning assets | $428,307,500 | 1,434 |
| Average equity | $42,754,000 | 1,558 |
| Average total loans | $233,801,500 | 1,892 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 6,070 |
| Cost of funding earning assets | 1.3449% | 4,220 |
| Net interest margin | 3.3768% | 5,729 |
| Noninterest income to average assets | 0.2593% | 6,063 |
| Noninterest expense to average assets | 1.9177% | 7,237 |
| Loan and lease loss provision to assets | 0.5354% | 2,643 |
| Net operating income to assets | 0.7002% | 3,407 |
| Return on assets (ROA) | 0.7269% | 3,447 |
| Pretax return on assets | 1.0849% | 2,827 |
| Return on Equity (ROE) | 7.6182% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.6182% | 1,590 |
| Net charge-offs to loans | 0.0418% | 5,790 |
| Credit loss provision to net charge-offs | 2,414.2857% | 175 |
| Earnings coverage of net charge-offs (x) | 71.2653% | 442 |
| Efficiency ratio | 54.8195% | 6,785 |
| Assets per employee ($millions) | 4.8389% | 2,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0178% | 2,133 |
| Loan loss allowance to noncurrent loans | 271.5986% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 6,147 |
| Noncurrent loans to loans | 0.7429% | 5,771 |
| Net loans and leases to total assets | 53.4220% | 6,057 |
| Net loans and leases to deposits | 71.6877% | 5,041 |
| Net loans and leases to core deposits | 77.0755% | 5,074 |
| Total domestic deposits to total assets | 74.5204% | 6,910 |
| Equity capital to assets | 9.8595% | 4,185 |
| Core capital (leverage) ratio | 9.1740% | 4,335 |
| Tier 1 risk-based capital ratio | 16.1432% | 2,609 |
| Total risk-based capital ratio | 17.3947% | 2,568 |
| Memoranda: | ||
| Average total assets | $441,879,000 | 1,547 |
| Average earning assets | $423,829,670 | 1,463 |
| Average equity | $42,162,000 | 1,566 |
| Average total loans | $234,365,000 | 1,910 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 6,167 |
| Cost of funding earning assets | 1.3667% | 4,380 |
| Net interest margin | 3.3548% | 5,766 |
| Noninterest income to average assets | 0.2481% | 6,167 |
| Noninterest expense to average assets | 1.9610% | 7,229 |
| Loan and lease loss provision to assets | 0.4044% | 2,942 |
| Net operating income to assets | 0.7334% | 3,289 |
| Return on assets (ROA) | 0.7334% | 3,397 |
| Pretax return on assets | 1.0947% | 2,748 |
| Return on Equity (ROE) | 7.8135% | 2,973 |
| Retained earnings to average equity (ytd only) | 7.8135% | 1,786 |
| Net charge-offs to loans | 0.1254% | 4,217 |
| Credit loss provision to net charge-offs | 616.4384% | 708 |
| Earnings coverage of net charge-offs (x) | 22.8493% | 1,074 |
| Efficiency ratio | 56.6753% | 6,670 |
| Assets per employee ($millions) | 4.9581% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7227% | 2,981 |
| Loan loss allowance to noncurrent loans | 363.7511% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 6,279 |
| Noncurrent loans to loans | 0.4736% | 6,349 |
| Net loans and leases to total assets | 51.5734% | 6,312 |
| Net loans and leases to deposits | 71.0900% | 5,186 |
| Net loans and leases to core deposits | 77.4553% | 5,093 |
| Total domestic deposits to total assets | 72.5467% | 7,212 |
| Equity capital to assets | 9.4142% | 4,660 |
| Core capital (leverage) ratio | 8.8714% | 4,767 |
| Tier 1 risk-based capital ratio | 15.8997% | 2,690 |
| Total risk-based capital ratio | 17.1542% | 2,632 |
| Memoranda: | ||
| Average total assets | $445,070,000 | 1,576 |
| Average earning assets | $426,130,000 | 1,499 |
| Average equity | $41,774,000 | 1,596 |
| Average total loans | $232,826,500 | 1,974 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 6,322 |
| Cost of funding earning assets | 1.7427% | 4,289 |
| Net interest margin | 3.2923% | 5,777 |
| Noninterest income to average assets | 0.3717% | 5,430 |
| Noninterest expense to average assets | 1.9733% | 7,403 |
| Loan and lease loss provision to assets | 0.6213% | 3,318 |
| Net operating income to assets | 0.6085% | 3,299 |
| Return on assets (ROA) | 0.6118% | 3,359 |
| Pretax return on assets | 0.9399% | 2,797 |
| Return on Equity (ROE) | 6.5032% | 2,990 |
| Retained earnings to average equity (ytd only) | 6.5032% | 1,147 |
| Net charge-offs to loans | 1.0626% | 2,288 |
| Credit loss provision to net charge-offs | 102.8706% | 5,366 |
| Earnings coverage of net charge-offs (x) | 2.5761% | 3,828 |
| Efficiency ratio | 55.9122% | 7,028 |
| Assets per employee ($millions) | 4.8781% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 3,359 |
| Loan loss allowance to noncurrent loans | 134.8451% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7197% | 5,669 |
| Noncurrent loans to loans | 1.1716% | 4,986 |
| Net loans and leases to total assets | 51.3226% | 6,496 |
| Net loans and leases to deposits | 66.8488% | 5,962 |
| Net loans and leases to core deposits | 83.3721% | 5,780 |
| Total domestic deposits to total assets | 76.7741% | 6,538 |
| Equity capital to assets | 9.3575% | 4,623 |
| Core capital (leverage) ratio | 8.6740% | 4,967 |
| Tier 1 risk-based capital ratio | 15.7451% | 2,625 |
| Total risk-based capital ratio | 16.9977% | 2,559 |
| Memoranda: | ||
| Average total assets | $421,019,200 | 1,641 |
| Average earning assets | $403,793,600 | 1,570 |
| Average equity | $39,611,000 | 1,694 |
| Average total loans | $239,325,200 | 1,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 6,300 |
| Cost of funding earning assets | 1.8170% | 4,303 |
| Net interest margin | 3.2750% | 5,731 |
| Noninterest income to average assets | 0.4215% | 5,122 |
| Noninterest expense to average assets | 2.0467% | 7,293 |
| Loan and lease loss provision to assets | 0.5317% | 3,256 |
| Net operating income to assets | 0.6604% | 3,352 |
| Return on assets (ROA) | 0.6604% | 3,415 |
| Pretax return on assets | 0.9924% | 2,933 |
| Return on Equity (ROE) | 7.0091% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.0091% | 1,502 |
| Net charge-offs to loans | 0.8427% | 2,276 |
| Credit loss provision to net charge-offs | 108.5902% | 4,683 |
| Earnings coverage of net charge-offs (x) | 3.1128% | 3,679 |
| Efficiency ratio | 57.3188% | 6,823 |
| Assets per employee ($millions) | 4.5772% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,043 |
| Loan loss allowance to noncurrent loans | 93.8131% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 5,272 |
| Noncurrent loans to loans | 1.6911% | 4,103 |
| Net loans and leases to total assets | 52.4452% | 6,565 |
| Net loans and leases to deposits | 70.9058% | 5,801 |
| Net loans and leases to core deposits | 89.8041% | 5,453 |
| Total domestic deposits to total assets | 73.9647% | 6,948 |
| Equity capital to assets | 9.3954% | 4,891 |
| Core capital (leverage) ratio | 8.7804% | 5,007 |
| Tier 1 risk-based capital ratio | 15.5496% | 2,794 |
| Total risk-based capital ratio | 16.8027% | 2,733 |
| Memoranda: | ||
| Average total assets | $415,296,500 | 1,680 |
| Average earning assets | $399,333,250 | 1,606 |
| Average equity | $39,129,000 | 1,737 |
| Average total loans | $241,285,750 | 1,960 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1748% | 6,168 |
| Cost of funding earning assets | 1.9095% | 4,215 |
| Net interest margin | 3.2653% | 5,686 |
| Noninterest income to average assets | 0.4341% | 4,995 |
| Noninterest expense to average assets | 2.0675% | 7,338 |
| Loan and lease loss provision to assets | 0.4420% | 3,340 |
| Net operating income to assets | 0.6988% | 3,258 |
| Return on assets (ROA) | 0.6988% | 3,368 |
| Pretax return on assets | 1.0588% | 2,778 |
| Return on Equity (ROE) | 7.4094% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.4094% | 1,433 |
| Net charge-offs to loans | 0.8298% | 2,036 |
| Credit loss provision to net charge-offs | 89.0208% | 4,955 |
| Earnings coverage of net charge-offs (x) | 3.0227% | 3,605 |
| Efficiency ratio | 57.9411% | 6,874 |
| Assets per employee ($millions) | 4.4413% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 3,502 |
| Loan loss allowance to noncurrent loans | 81.0502% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0264% | 4,920 |
| Noncurrent loans to loans | 1.7814% | 3,830 |
| Net loans and leases to total assets | 56.7860% | 6,114 |
| Net loans and leases to deposits | 75.5451% | 5,237 |
| Net loans and leases to core deposits | 94.1113% | 5,103 |
| Total domestic deposits to total assets | 75.1683% | 6,730 |
| Equity capital to assets | 9.4052% | 4,742 |
| Core capital (leverage) ratio | 9.2935% | 4,172 |
| Tier 1 risk-based capital ratio | 15.1033% | 2,978 |
| Total risk-based capital ratio | 16.3551% | 2,912 |
| Memoranda: | ||
| Average total assets | $407,259,670 | 1,726 |
| Average earning assets | $390,896,330 | 1,660 |
| Average equity | $38,410,670 | 1,774 |
| Average total loans | $243,660,000 | 1,978 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2176% | 6,226 |
| Cost of funding earning assets | 2.0020% | 4,117 |
| Net interest margin | 3.2155% | 5,812 |
| Noninterest income to average assets | 0.4546% | 4,723 |
| Noninterest expense to average assets | 2.0192% | 7,311 |
| Loan and lease loss provision to assets | 0.2686% | 3,813 |
| Net operating income to assets | 0.8106% | 3,084 |
| Return on assets (ROA) | 0.8106% | 3,244 |
| Pretax return on assets | 1.2533% | 2,443 |
| Return on Equity (ROE) | 8.5827% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.5827% | 1,607 |
| Net charge-offs to loans | 0.0098% | 5,508 |
| Credit loss provision to net charge-offs | 4,500.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 166 |
| Efficiency ratio | 57.0225% | 6,821 |
| Assets per employee ($millions) | 4.3334% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5800% | 2,600 |
| Loan loss allowance to noncurrent loans | 71.7910% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 4,038 |
| Noncurrent loans to loans | 2.2009% | 2,972 |
| Net loans and leases to total assets | 58.8437% | 5,829 |
| Net loans and leases to deposits | 76.7401% | 5,122 |
| Net loans and leases to core deposits | 97.4778% | 4,803 |
| Total domestic deposits to total assets | 76.6792% | 6,369 |
| Equity capital to assets | 9.4857% | 4,688 |
| Core capital (leverage) ratio | 9.3575% | 4,160 |
| Tier 1 risk-based capital ratio | 14.8720% | 3,126 |
| Total risk-based capital ratio | 16.1257% | 3,053 |
| Memoranda: | ||
| Average total assets | $402,148,000 | 1,752 |
| Average earning assets | $386,004,500 | 1,692 |
| Average equity | $37,983,500 | 1,797 |
| Average total loans | $245,217,500 | 1,990 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1337% | 4,874 |
| Cost of funding earning assets | 2.5650% | 3,877 |
| Net interest margin | 3.5687% | 5,022 |
| Noninterest income to average assets | 0.3504% | 5,926 |
| Noninterest expense to average assets | 2.0568% | 7,331 |
| Loan and lease loss provision to assets | 0.2529% | 4,390 |
| Net operating income to assets | 0.8990% | 3,001 |
| Return on assets (ROA) | 0.9027% | 2,834 |
| Pretax return on assets | 1.4371% | 1,856 |
| Return on Equity (ROE) | 9.6674% | 2,370 |
| Retained earnings to average equity (ytd only) | 6.2364% | 1,412 |
| Net charge-offs to loans | 0.0162% | 6,649 |
| Credit loss provision to net charge-offs | 2,550.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 169.8333% | 271 |
| Efficiency ratio | 54.9812% | 7,153 |
| Assets per employee ($millions) | 4.4106% | 2,771 |
| Cash dividends to net income (ytd only)* | 35.4898% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 2,913 |
| Loan loss allowance to noncurrent loans | 156.9864% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 5,465 |
| Noncurrent loans to loans | 0.9247% | 4,775 |
| Net loans and leases to total assets | 61.2937% | 5,728 |
| Net loans and leases to deposits | 80.4181% | 4,973 |
| Net loans and leases to core deposits | 101.2278% | 4,697 |
| Total domestic deposits to total assets | 76.2188% | 6,185 |
| Equity capital to assets | 9.4036% | 4,817 |
| Core capital (leverage) ratio | 9.1150% | 4,568 |
| Tier 1 risk-based capital ratio | 14.4143% | 3,332 |
| Total risk-based capital ratio | 15.6665% | 3,247 |
| Memoranda: | ||
| Average total assets | $363,034,200 | 1,846 |
| Average earning assets | $344,916,600 | 1,796 |
| Average equity | $33,897,600 | 2,000 |
| Average total loans | $222,502,400 | 2,105 |