Home > Eastern Michigan Bank > Performance and Condition Ratios
Eastern Michigan 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 | 4.3868% | 4,001 |
| Cost of funding earning assets | 0.4299% | 4,308 |
| Net interest margin | 3.9569% | 1,373 |
| Noninterest income to average assets | 0.3700% | 2,414 |
| Noninterest expense to average assets | 2.5999% | 2,018 |
| Loan and lease loss provision to assets | -0.0300% | 4,225 |
| Net operating income to assets | 1.2164% | 1,693 |
| Return on assets (ROA) | 1.2164% | 1,692 |
| Pretax return on assets | 1.5098% | 1,492 |
| Return on Equity (ROE) | 12.9500% | 1,501 |
| Retained earnings to average equity (ytd only) | 3.0752% | 3,072 |
| Net charge-offs to loans | 0.0152% | 1,714 |
| Credit loss provision to net charge-offs | -1,637.5000% | 4,458 |
| Earnings coverage of net charge-offs (x) | 238.3750% | 366 |
| Efficiency ratio | 63.6467% | 2,511 |
| Assets per employee ($millions) | 5.9588% | 2,968 |
| Cash dividends to net income (ytd only)* | 76.2572% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 1,644 |
| Loan loss allowance to noncurrent loans | 142.0321% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 1,873 |
| Noncurrent loans to loans | 0.9249% | 1,153 |
| Net loans and leases to total assets | 38.9400% | 4,013 |
| Net loans and leases to deposits | 43.3033% | 4,055 |
| Net loans and leases to core deposits | 43.4921% | 4,106 |
| Total domestic deposits to total assets | 89.9100% | 838 |
| Equity capital to assets | 9.6699% | 2,451 |
| Core capital (leverage) ratio | 10.3850% | 2,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9271% | 1,086 |
| Memoranda: | ||
| Average total assets | $516,626,000 | 1,745 |
| Average earning assets | $483,816,500 | 1,724 |
| Average equity | $48,516,500 | 1,796 |
| Average total loans | $211,117,000 | 2,334 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 3,727 |
| Cost of funding earning assets | 0.7986% | 4,173 |
| Net interest margin | 3.8151% | 1,476 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.2747% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3580% | 1,159 |
| Return on assets (ROA) | 1.3500% | 1,172 |
| Pretax return on assets | 1.6858% | 994 |
| Return on Equity (ROE) | 16.9100% | 677 |
| Retained earnings to average equity (ytd only) | 10.5551% | 501 |
| Net charge-offs to loans | -0.0727% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 57.1475% | 3,441 |
| Assets per employee ($millions) | 6.2000% | 2,724 |
| Cash dividends to net income (ytd only)* | 37.5763% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 1,815 |
| Loan loss allowance to noncurrent loans | 146.1056% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 1,822 |
| Noncurrent loans to loans | 0.8693% | 1,149 |
| Net loans and leases to total assets | 41.7200% | 3,953 |
| Net loans and leases to deposits | 46.1127% | 4,024 |
| Net loans and leases to core deposits | 46.3601% | 4,082 |
| Total domestic deposits to total assets | 90.4700% | 672 |
| Equity capital to assets | 9.1166% | 2,739 |
| Core capital (leverage) ratio | 10.1706% | 2,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9148% | 1,283 |
| Memoranda: | ||
| Average total assets | $546,448,200 | 1,664 |
| Average earning assets | $512,047,200 | 1,651 |
| Average equity | $43,628,200 | 1,869 |
| Average total loans | $217,480,800 | 2,257 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 3,841 |
| Cost of funding earning assets | 0.8954% | 4,127 |
| Net interest margin | 3.6021% | 1,826 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 2.2071% | 3,067 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.1993% | 1,521 |
| Return on assets (ROA) | 1.1993% | 1,527 |
| Pretax return on assets | 1.4988% | 1,306 |
| Return on Equity (ROE) | 15.5400% | 879 |
| Retained earnings to average equity (ytd only) | 8.5250% | 1,249 |
| Net charge-offs to loans | -0.0486% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 58.7592% | 3,281 |
| Assets per employee ($millions) | 6.6097% | 2,434 |
| Cash dividends to net income (ytd only)* | 45.1438% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,666 |
| Loan loss allowance to noncurrent loans | 145.0401% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 1,778 |
| Noncurrent loans to loans | 0.9041% | 1,106 |
| Net loans and leases to total assets | 39.7200% | 4,039 |
| Net loans and leases to deposits | 43.6505% | 4,113 |
| Net loans and leases to core deposits | 43.8712% | 4,172 |
| Total domestic deposits to total assets | 90.9900% | 351 |
| Equity capital to assets | 8.6857% | 3,262 |
| Core capital (leverage) ratio | 8.9382% | 3,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6037% | 1,664 |
| Memoranda: | ||
| Average total assets | $552,861,000 | 1,638 |
| Average earning assets | $518,314,500 | 1,628 |
| Average equity | $42,665,500 | 1,900 |
| Average total loans | $216,837,750 | 2,249 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 3,901 |
| Cost of funding earning assets | 0.9064% | 4,107 |
| Net interest margin | 3.5073% | 1,944 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.2014% | 3,072 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.1168% | 1,678 |
| Return on assets (ROA) | 1.1168% | 1,676 |
| Pretax return on assets | 1.3968% | 1,482 |
| Return on Equity (ROE) | 15.1000% | 967 |
| Retained earnings to average equity (ytd only) | 9.2967% | 1,029 |
| Net charge-offs to loans | -0.0102% | 3,982 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 60.0177% | 3,209 |
| Assets per employee ($millions) | 6.5724% | 2,356 |
| Cash dividends to net income (ytd only)* | 38.4168% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 1,868 |
| Loan loss allowance to noncurrent loans | 143.2556% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 1,752 |
| Noncurrent loans to loans | 0.8876% | 1,067 |
| Net loans and leases to total assets | 39.2600% | 4,057 |
| Net loans and leases to deposits | 47.3923% | 4,036 |
| Net loans and leases to core deposits | 47.6503% | 4,100 |
| Total domestic deposits to total assets | 82.8500% | 2,894 |
| Equity capital to assets | 7.6903% | 3,626 |
| Core capital (leverage) ratio | 8.9784% | 3,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9249% | 1,924 |
| Memoranda: | ||
| Average total assets | $554,279,667 | 1,635 |
| Average earning assets | $520,285,333 | 1,619 |
| Average equity | $41,004,000 | 1,922 |
| Average total loans | $215,525,000 | 2,249 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4409% | 3,769 |
| Cost of funding earning assets | 0.9213% | 4,075 |
| Net interest margin | 3.5196% | 1,869 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.2018% | 3,065 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.1679% | 1,517 |
| Return on assets (ROA) | 1.1679% | 1,526 |
| Pretax return on assets | 1.4541% | 1,340 |
| Return on Equity (ROE) | 16.1100% | 827 |
| Retained earnings to average equity (ytd only) | 4.2274% | 2,643 |
| Net charge-offs to loans | -0.0283% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 59.9921% | 3,266 |
| Assets per employee ($millions) | 7.0541% | 2,053 |
| Cash dividends to net income (ytd only)* | 73.7593% | 833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,154 |
| Loan loss allowance to noncurrent loans | 129.9449% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,696 |
| Noncurrent loans to loans | 0.9419% | 924 |
| Net loans and leases to total assets | 37.1100% | 4,119 |
| Net loans and leases to deposits | 44.3970% | 4,082 |
| Net loans and leases to core deposits | 44.6098% | 4,187 |
| Total domestic deposits to total assets | 83.5900% | 2,837 |
| Equity capital to assets | 7.1776% | 3,822 |
| Core capital (leverage) ratio | 8.5515% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6587% | 2,006 |
| Memoranda: | ||
| Average total assets | $552,093,500 | 1,652 |
| Average earning assets | $517,553,500 | 1,639 |
| Average equity | $40,025,000 | 1,946 |
| Average total loans | $212,199,000 | 2,264 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 4,086 |
| Cost of funding earning assets | 0.4049% | 4,285 |
| Net interest margin | 3.4927% | 2,201 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.1007% | 3,399 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.1938% | 1,665 |
| Return on assets (ROA) | 1.1938% | 1,641 |
| Pretax return on assets | 1.4870% | 1,452 |
| Return on Equity (ROE) | 18.5300% | 753 |
| Retained earnings to average equity (ytd only) | 11.5859% | 687 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 57.8426% | 3,310 |
| Assets per employee ($millions) | 6.6650% | 2,294 |
| Cash dividends to net income (ytd only)* | 37.4807% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,126 |
| Loan loss allowance to noncurrent loans | 124.7847% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3871% | 1,428 |
| Noncurrent loans to loans | 0.9841% | 751 |
| Net loans and leases to total assets | 38.8600% | 4,075 |
| Net loans and leases to deposits | 42.0992% | 4,149 |
| Net loans and leases to core deposits | 42.3792% | 4,241 |
| Total domestic deposits to total assets | 92.3000% | 265 |
| Equity capital to assets | 7.3250% | 3,807 |
| Core capital (leverage) ratio | 9.0428% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4315% | 2,090 |
| Memoranda: | ||
| Average total assets | $543,294,800 | 1,636 |
| Average earning assets | $506,545,400 | 1,610 |
| Average equity | $34,999,400 | 2,052 |
| Average total loans | $194,422,000 | 2,327 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8211% | 4,092 |
| Cost of funding earning assets | 0.3735% | 4,285 |
| Net interest margin | 3.4476% | 2,344 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.0967% | 3,362 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1352% | 1,955 |
| Return on assets (ROA) | 1.1352% | 1,931 |
| Pretax return on assets | 1.4148% | 1,745 |
| Return on Equity (ROE) | 18.2400% | 919 |
| Retained earnings to average equity (ytd only) | 10.6229% | 1,235 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.4189% | 3,152 |
| Assets per employee ($millions) | 6.7178% | 2,171 |
| Cash dividends to net income (ytd only)* | 41.7656% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 1,983 |
| Loan loss allowance to noncurrent loans | 301.6204% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,523 |
| Noncurrent loans to loans | 0.4231% | 1,771 |
| Net loans and leases to total assets | 37.0500% | 4,153 |
| Net loans and leases to deposits | 39.7074% | 4,211 |
| Net loans and leases to core deposits | 40.0040% | 4,259 |
| Total domestic deposits to total assets | 93.3200% | 262 |
| Equity capital to assets | 6.4268% | 3,855 |
| Core capital (leverage) ratio | 8.8972% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0274% | 2,263 |
| Memoranda: | ||
| Average total assets | $544,152,750 | 1,632 |
| Average earning assets | $506,855,500 | 1,612 |
| Average equity | $33,863,000 | 2,093 |
| Average total loans | $189,933,250 | 2,362 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7776% | 4,052 |
| Cost of funding earning assets | 0.3817% | 4,198 |
| Net interest margin | 3.3960% | 2,529 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.0898% | 3,372 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1342% | 2,021 |
| Return on assets (ROA) | 1.1342% | 2,017 |
| Pretax return on assets | 1.4198% | 1,764 |
| Return on Equity (ROE) | 18.4300% | 901 |
| Retained earnings to average equity (ytd only) | 9.6317% | 1,502 |
| Net charge-offs to loans | 0.0011% | 2,376 |
| Credit loss provision to net charge-offs | 7,600.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 3,946.0000% | 26 |
| Efficiency ratio | 58.8870% | 3,090 |
| Assets per employee ($millions) | 6.1701% | 2,569 |
| Cash dividends to net income (ytd only)* | 47.7317% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,065 |
| Loan loss allowance to noncurrent loans | 282.5059% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 2,405 |
| Noncurrent loans to loans | 0.4497% | 1,592 |
| Net loans and leases to total assets | 36.2700% | 4,168 |
| Net loans and leases to deposits | 38.9763% | 4,237 |
| Net loans and leases to core deposits | 39.2199% | 4,274 |
| Total domestic deposits to total assets | 93.0500% | 246 |
| Equity capital to assets | 6.7111% | 3,911 |
| Core capital (leverage) ratio | 8.8614% | 3,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2053% | 2,216 |
| Memoranda: | ||
| Average total assets | $544,156,333 | 1,623 |
| Average earning assets | $508,835,667 | 1,605 |
| Average equity | $33,493,667 | 2,120 |
| Average total loans | $185,168,000 | 2,390 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,024 |
| Cost of funding earning assets | 0.4120% | 3,933 |
| Net interest margin | 3.2848% | 2,918 |
| Noninterest income to average assets | 0.3400% | 2,789 |
| Noninterest expense to average assets | 2.0522% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0961% | 2,244 |
| Return on assets (ROA) | 1.0961% | 2,207 |
| Pretax return on assets | 1.3660% | 1,971 |
| Return on Equity (ROE) | 18.5700% | 953 |
| Retained earnings to average equity (ytd only) | 12.7299% | 1,136 |
| Net charge-offs to loans | 0.0240% | 1,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 173.9091% | 555 |
| Efficiency ratio | 59.8914% | 2,970 |
| Assets per employee ($millions) | 6.8797% | 2,057 |
| Cash dividends to net income (ytd only)* | 31.4658% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 2,284 |
| Loan loss allowance to noncurrent loans | 262.4146% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,403 |
| Noncurrent loans to loans | 0.4768% | 1,521 |
| Net loans and leases to total assets | 32.6300% | 4,308 |
| Net loans and leases to deposits | 34.8081% | 4,357 |
| Net loans and leases to core deposits | 35.0306% | 4,379 |
| Total domestic deposits to total assets | 93.7400% | 198 |
| Equity capital to assets | 6.0982% | 4,166 |
| Core capital (leverage) ratio | 8.2412% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1590% | 2,325 |
| Memoranda: | ||
| Average total assets | $560,175,500 | 1,597 |
| Average earning assets | $524,231,500 | 1,584 |
| Average equity | $33,056,000 | 2,163 |
| Average total loans | $183,693,000 | 2,428 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7968% | 4,327 |
| Cost of funding earning assets | 0.1870% | 3,858 |
| Net interest margin | 2.6097% | 4,158 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 1.9120% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7154% | 3,572 |
| Return on assets (ROA) | 0.7140% | 3,519 |
| Pretax return on assets | 0.8820% | 3,414 |
| Return on Equity (ROE) | 11.3100% | 2,380 |
| Retained earnings to average equity (ytd only) | 3.4836% | 3,566 |
| Net charge-offs to loans | 0.0011% | 2,535 |
| Credit loss provision to net charge-offs | -350.0000% | 4,621 |
| Earnings coverage of net charge-offs (x) | 2,450.0000% | 67 |
| Efficiency ratio | 68.2328% | 1,931 |
| Assets per employee ($millions) | 6.8670% | 2,069 |
| Cash dividends to net income (ytd only)* | 69.1978% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 3,659 |
| Loan loss allowance to noncurrent loans | 144.0607% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 2,108 |
| Noncurrent loans to loans | 0.6477% | 1,149 |
| Net loans and leases to total assets | 32.2400% | 4,333 |
| Net loans and leases to deposits | 34.3864% | 4,389 |
| Net loans and leases to core deposits | 34.6202% | 4,404 |
| Total domestic deposits to total assets | 93.7600% | 271 |
| Equity capital to assets | 5.7058% | 4,180 |
| Core capital (leverage) ratio | 8.0518% | 4,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9956% | 2,380 |
| Memoranda: | ||
| Average total assets | $555,218,400 | 1,595 |
| Average earning assets | $521,281,000 | 1,577 |
| Average equity | $35,050,400 | 2,110 |
| Average total loans | $182,784,200 | 2,352 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5574% | 4,421 |
| Cost of funding earning assets | 0.1551% | 3,796 |
| Net interest margin | 2.4023% | 4,322 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.8848% | 3,781 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5941% | 3,850 |
| Return on assets (ROA) | 0.5941% | 3,808 |
| Pretax return on assets | 0.7259% | 3,751 |
| Return on Equity (ROE) | 9.1900% | 2,974 |
| Retained earnings to average equity (ytd only) | 0.4248% | 4,281 |
| Net charge-offs to loans | -0.0073% | 3,598 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.0288% | 1,507 |
| Assets per employee ($millions) | 7.1299% | 1,856 |
| Cash dividends to net income (ytd only)* | 95.3753% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 3,639 |
| Loan loss allowance to noncurrent loans | 135.0822% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2184% | 2,148 |
| Noncurrent loans to loans | 0.7141% | 1,145 |
| Net loans and leases to total assets | 30.2900% | 4,415 |
| Net loans and leases to deposits | 32.0629% | 4,465 |
| Net loans and leases to core deposits | 32.2711% | 4,476 |
| Total domestic deposits to total assets | 94.4800% | 293 |
| Equity capital to assets | 5.3142% | 4,187 |
| Core capital (leverage) ratio | 7.8918% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9776% | 2,481 |
| Memoranda: | ||
| Average total assets | $553,250,000 | 1,609 |
| Average earning assets | $520,102,250 | 1,590 |
| Average equity | $35,780,750 | 2,111 |
| Average total loans | $182,665,750 | 2,355 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4449% | 4,424 |
| Cost of funding earning assets | 0.1094% | 4,088 |
| Net interest margin | 2.3355% | 4,295 |
| Noninterest income to average assets | 0.3512% | 3,049 |
| Noninterest expense to average assets | 1.8877% | 3,736 |
| Loan and lease loss provision to assets | 0.0029% | 2,557 |
| Net operating income to assets | 0.5435% | 3,785 |
| Return on assets (ROA) | 0.5435% | 3,738 |
| Pretax return on assets | 0.6621% | 3,681 |
| Return on Equity (ROE) | 7.8980% | 3,045 |
| Retained earnings to average equity (ytd only) | -2.5916% | 4,424 |
| Net charge-offs to loans | -0.0163% | 3,790 |
| Credit loss provision to net charge-offs | -53.3333% | 3,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7298% | 1,538 |
| Assets per employee ($millions) | 6.2367% | 2,534 |
| Cash dividends to net income (ytd only)* | 132.8136% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,721 |
| Loan loss allowance to noncurrent loans | 128.7509% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 2,094 |
| Noncurrent loans to loans | 0.7540% | 1,140 |
| Net loans and leases to total assets | 32.3789% | 4,386 |
| Net loans and leases to deposits | 34.3612% | 4,440 |
| Net loans and leases to core deposits | 34.5995% | 4,465 |
| Total domestic deposits to total assets | 94.2310% | 249 |
| Equity capital to assets | 5.6943% | 4,303 |
| Core capital (leverage) ratio | 8.0801% | 4,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4217% | 2,328 |
| Memoranda: | ||
| Average total assets | $542,781,667 | 1,647 |
| Average earning assets | $511,668,333 | 1,633 |
| Average equity | $37,351,000 | 2,100 |
| Average total loans | $183,942,667 | 2,357 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4886% | 4,278 |
| Cost of funding earning assets | 0.0956% | 4,192 |
| Net interest margin | 2.3930% | 4,086 |
| Noninterest income to average assets | 0.3283% | 3,137 |
| Noninterest expense to average assets | 1.8890% | 3,703 |
| Loan and lease loss provision to assets | 0.0030% | 2,247 |
| Net operating income to assets | 0.5773% | 3,476 |
| Return on assets (ROA) | 0.5773% | 3,451 |
| Pretax return on assets | 0.6988% | 3,395 |
| Return on Equity (ROE) | 7.7128% | 2,798 |
| Retained earnings to average equity (ytd only) | -2.9208% | 4,305 |
| Net charge-offs to loans | 0.0021% | 1,742 |
| Credit loss provision to net charge-offs | 400.0000% | 585 |
| Earnings coverage of net charge-offs (x) | 947.0000% | 91 |
| Efficiency ratio | 72.7117% | 1,885 |
| Assets per employee ($millions) | 6.6506% | 2,261 |
| Cash dividends to net income (ytd only)* | 137.8691% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,888 |
| Loan loss allowance to noncurrent loans | 131.6514% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2398% | 2,199 |
| Noncurrent loans to loans | 0.7265% | 1,311 |
| Net loans and leases to total assets | 32.6960% | 4,347 |
| Net loans and leases to deposits | 35.1165% | 4,413 |
| Net loans and leases to core deposits | 35.3644% | 4,443 |
| Total domestic deposits to total assets | 93.1072% | 249 |
| Equity capital to assets | 6.7723% | 4,309 |
| Core capital (leverage) ratio | 8.2082% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3610% | 2,051 |
| Memoranda: | ||
| Average total assets | $539,757,500 | 1,664 |
| Average earning assets | $510,326,000 | 1,646 |
| Average equity | $40,400,500 | 2,037 |
| Average total loans | $186,190,500 | 2,327 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8773% | 4,092 |
| Cost of funding earning assets | 0.0901% | 4,456 |
| Net interest margin | 2.7872% | 3,694 |
| Noninterest income to average assets | 0.5280% | 2,454 |
| Noninterest expense to average assets | 1.9195% | 3,880 |
| Loan and lease loss provision to assets | -0.0236% | 4,243 |
| Net operating income to assets | 1.0320% | 2,549 |
| Return on assets (ROA) | 1.0320% | 2,624 |
| Pretax return on assets | 1.2560% | 2,502 |
| Return on Equity (ROE) | 11.8992% | 1,851 |
| Retained earnings to average equity (ytd only) | 8.8528% | 1,247 |
| Net charge-offs to loans | -0.0014% | 3,313 |
| Credit loss provision to net charge-offs | 3,966.6667% | 179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7172% | 3,040 |
| Assets per employee ($millions) | 6.6771% | 2,176 |
| Cash dividends to net income (ytd only)* | 25.6015% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,079 |
| Loan loss allowance to noncurrent loans | 123.9366% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 2,261 |
| Noncurrent loans to loans | 0.7211% | 1,408 |
| Net loans and leases to total assets | 35.6879% | 4,301 |
| Net loans and leases to deposits | 39.0125% | 4,367 |
| Net loans and leases to core deposits | 39.3387% | 4,412 |
| Total domestic deposits to total assets | 91.4783% | 320 |
| Equity capital to assets | 8.2125% | 4,227 |
| Core capital (leverage) ratio | 8.7352% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8400% | 1,912 |
| Memoranda: | ||
| Average total assets | $503,410,400 | 1,689 |
| Average earning assets | $473,909,600 | 1,676 |
| Average equity | $43,658,400 | 1,958 |
| Average total loans | $216,359,400 | 2,126 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9312% | 4,116 |
| Cost of funding earning assets | 0.0890% | 4,581 |
| Net interest margin | 2.8422% | 3,681 |
| Noninterest income to average assets | 0.5533% | 2,401 |
| Noninterest expense to average assets | 1.8954% | 3,954 |
| Loan and lease loss provision to assets | -0.0188% | 4,351 |
| Net operating income to assets | 1.1065% | 2,530 |
| Return on assets (ROA) | 1.1065% | 2,587 |
| Pretax return on assets | 1.3486% | 2,492 |
| Return on Equity (ROE) | 12.5790% | 1,838 |
| Retained earnings to average equity (ytd only) | 9.4939% | 1,492 |
| Net charge-offs to loans | -0.0066% | 3,518 |
| Credit loss provision to net charge-offs | 636.3636% | 679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5856% | 3,185 |
| Assets per employee ($millions) | 6.3250% | 2,396 |
| Cash dividends to net income (ytd only)* | 24.5260% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 4,218 |
| Loan loss allowance to noncurrent loans | 126.3158% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2711% | 2,418 |
| Noncurrent loans to loans | 0.6929% | 1,594 |
| Net loans and leases to total assets | 38.7818% | 4,263 |
| Net loans and leases to deposits | 42.6212% | 4,360 |
| Net loans and leases to core deposits | 42.8988% | 4,418 |
| Total domestic deposits to total assets | 90.9918% | 373 |
| Equity capital to assets | 8.6970% | 4,071 |
| Core capital (leverage) ratio | 9.0423% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1094% | 1,586 |
| Memoranda: | ||
| Average total assets | $495,722,000 | 1,725 |
| Average earning assets | $466,007,500 | 1,711 |
| Average equity | $43,606,000 | 1,984 |
| Average total loans | $222,361,500 | 2,123 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7738% | 4,381 |
| Cost of funding earning assets | 0.0855% | 4,667 |
| Net interest margin | 2.6883% | 4,002 |
| Noninterest income to average assets | 0.5384% | 2,453 |
| Noninterest expense to average assets | 1.8710% | 4,035 |
| Loan and lease loss provision to assets | -0.0820% | 4,587 |
| Net operating income to assets | 1.0429% | 2,746 |
| Return on assets (ROA) | 1.0429% | 2,824 |
| Pretax return on assets | 1.2748% | 2,695 |
| Return on Equity (ROE) | 11.8082% | 2,131 |
| Retained earnings to average equity (ytd only) | 10.2168% | 1,337 |
| Net charge-offs to loans | -0.0079% | 3,585 |
| Credit loss provision to net charge-offs | 2,222.2222% | 269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8800% | 2,892 |
| Assets per employee ($millions) | 6.2776% | 2,358 |
| Cash dividends to net income (ytd only)* | 13.4774% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7429% | 4,464 |
| Loan loss allowance to noncurrent loans | 113.9293% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 2,492 |
| Noncurrent loans to loans | 0.6521% | 1,785 |
| Net loans and leases to total assets | 43.7382% | 4,054 |
| Net loans and leases to deposits | 48.1097% | 4,209 |
| Net loans and leases to core deposits | 48.4335% | 4,305 |
| Total domestic deposits to total assets | 90.9135% | 401 |
| Equity capital to assets | 8.7709% | 3,995 |
| Core capital (leverage) ratio | 9.8509% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7885% | 993 |
| Memoranda: | ||
| Average total assets | $488,080,000 | 1,739 |
| Average earning assets | $458,510,000 | 1,727 |
| Average equity | $43,105,667 | 1,988 |
| Average total loans | $228,843,000 | 2,103 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7899% | 4,386 |
| Cost of funding earning assets | 0.0824% | 4,736 |
| Net interest margin | 2.7075% | 3,950 |
| Noninterest income to average assets | 0.5863% | 2,265 |
| Noninterest expense to average assets | 1.8843% | 4,023 |
| Loan and lease loss provision to assets | -0.1123% | 4,731 |
| Net operating income to assets | 1.1126% | 2,432 |
| Return on assets (ROA) | 1.1126% | 2,513 |
| Pretax return on assets | 1.3555% | 2,413 |
| Return on Equity (ROE) | 12.5532% | 1,811 |
| Retained earnings to average equity (ytd only) | 9.3352% | 1,850 |
| Net charge-offs to loans | -0.0120% | 3,748 |
| Credit loss provision to net charge-offs | 1,928.5714% | 251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0638% | 3,023 |
| Assets per employee ($millions) | 5.6802% | 2,935 |
| Cash dividends to net income (ytd only)* | 25.6353% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 4,562 |
| Loan loss allowance to noncurrent loans | 115.6504% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.2987% | 2,653 |
| Noncurrent loans to loans | 0.6101% | 2,044 |
| Net loans and leases to total assets | 48.6093% | 3,750 |
| Net loans and leases to deposits | 53.4016% | 3,981 |
| Net loans and leases to core deposits | 53.6630% | 4,107 |
| Total domestic deposits to total assets | 91.0259% | 387 |
| Equity capital to assets | 8.7001% | 3,961 |
| Core capital (leverage) ratio | 10.0993% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5735% | 545 |
| Memoranda: | ||
| Average total assets | $481,017,000 | 1,744 |
| Average earning assets | $451,483,000 | 1,740 |
| Average equity | $42,634,500 | 1,999 |
| Average total loans | $232,614,500 | 2,080 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1069% | 4,561 |
| Cost of funding earning assets | 0.1142% | 4,831 |
| Net interest margin | 2.9927% | 3,906 |
| Noninterest income to average assets | 0.6672% | 1,961 |
| Noninterest expense to average assets | 2.1370% | 3,854 |
| Loan and lease loss provision to assets | 0.0534% | 3,707 |
| Net operating income to assets | 1.0327% | 2,166 |
| Return on assets (ROA) | 1.0339% | 2,308 |
| Pretax return on assets | 1.2569% | 2,131 |
| Return on Equity (ROE) | 10.9653% | 1,640 |
| Retained earnings to average equity (ytd only) | 7.7387% | 1,134 |
| Net charge-offs to loans | -0.0154% | 4,359 |
| Credit loss provision to net charge-offs | -690.9091% | 3,982 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8200% | 3,171 |
| Assets per employee ($millions) | 5.7056% | 2,621 |
| Cash dividends to net income (ytd only)* | 29.4251% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8217% | 4,379 |
| Loan loss allowance to noncurrent loans | 120.1703% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 2,689 |
| Noncurrent loans to loans | 0.6838% | 1,977 |
| Net loans and leases to total assets | 47.3373% | 4,020 |
| Net loans and leases to deposits | 52.1935% | 4,206 |
| Net loans and leases to core deposits | 52.4641% | 4,318 |
| Total domestic deposits to total assets | 90.6959% | 303 |
| Equity capital to assets | 9.0359% | 4,021 |
| Core capital (leverage) ratio | 10.1423% | 2,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8084% | 602 |
| Memoranda: | ||
| Average total assets | $427,331,400 | 1,775 |
| Average earning assets | $396,762,600 | 1,776 |
| Average equity | $40,290,800 | 2,014 |
| Average total loans | $214,853,000 | 2,138 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1566% | 4,628 |
| Cost of funding earning assets | 0.1249% | 4,865 |
| Net interest margin | 3.0317% | 3,902 |
| Noninterest income to average assets | 0.6197% | 2,102 |
| Noninterest expense to average assets | 2.1160% | 3,905 |
| Loan and lease loss provision to assets | 0.0585% | 3,620 |
| Net operating income to assets | 1.0326% | 2,215 |
| Return on assets (ROA) | 1.0342% | 2,338 |
| Pretax return on assets | 1.2560% | 2,207 |
| Return on Equity (ROE) | 10.8420% | 1,734 |
| Retained earnings to average equity (ytd only) | 8.5939% | 1,112 |
| Net charge-offs to loans | -0.0019% | 3,874 |
| Credit loss provision to net charge-offs | -6,100.0000% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5119% | 3,147 |
| Assets per employee ($millions) | 5.8004% | 2,451 |
| Cash dividends to net income (ytd only)* | 20.7355% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7357% | 4,513 |
| Loan loss allowance to noncurrent loans | 105.9603% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3450% | 2,761 |
| Noncurrent loans to loans | 0.6943% | 2,053 |
| Net loans and leases to total assets | 49.3285% | 4,128 |
| Net loans and leases to deposits | 54.2285% | 4,329 |
| Net loans and leases to core deposits | 54.5007% | 4,431 |
| Total domestic deposits to total assets | 90.9641% | 180 |
| Equity capital to assets | 8.7061% | 4,324 |
| Core capital (leverage) ratio | 10.6128% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4317% | 729 |
| Memoranda: | ||
| Average total assets | $417,200,000 | 1,785 |
| Average earning assets | $386,529,750 | 1,789 |
| Average equity | $39,794,750 | 2,023 |
| Average total loans | $212,739,750 | 2,148 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3178% | 4,630 |
| Cost of funding earning assets | 0.1495% | 4,880 |
| Net interest margin | 3.1682% | 3,749 |
| Noninterest income to average assets | 0.6109% | 2,091 |
| Noninterest expense to average assets | 2.1517% | 3,925 |
| Loan and lease loss provision to assets | 0.1455% | 2,554 |
| Net operating income to assets | 1.0461% | 2,163 |
| Return on assets (ROA) | 1.0485% | 2,291 |
| Pretax return on assets | 1.2719% | 2,125 |
| Return on Equity (ROE) | 10.6170% | 1,766 |
| Retained earnings to average equity (ytd only) | 7.1837% | 1,580 |
| Net charge-offs to loans | -0.0088% | 4,171 |
| Credit loss provision to net charge-offs | -3,200.0000% | 4,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1389% | 3,397 |
| Assets per employee ($millions) | 4.8381% | 3,376 |
| Cash dividends to net income (ytd only)* | 32.3373% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 4,420 |
| Loan loss allowance to noncurrent loans | 117.0106% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 2,848 |
| Noncurrent loans to loans | 0.6563% | 2,221 |
| Net loans and leases to total assets | 54.9142% | 3,795 |
| Net loans and leases to deposits | 62.3500% | 3,986 |
| Net loans and leases to core deposits | 62.6627% | 4,146 |
| Total domestic deposits to total assets | 88.0741% | 1,134 |
| Equity capital to assets | 9.2051% | 3,919 |
| Core capital (leverage) ratio | 10.6364% | 2,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3829% | 861 |
| Memoranda: | ||
| Average total assets | $395,788,667 | 1,824 |
| Average earning assets | $369,163,000 | 1,820 |
| Average equity | $39,088,333 | 2,035 |
| Average total loans | $203,905,000 | 2,190 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4735% | 4,656 |
| Cost of funding earning assets | 0.2187% | 4,849 |
| Net interest margin | 3.2548% | 3,705 |
| Noninterest income to average assets | 0.4947% | 2,576 |
| Noninterest expense to average assets | 2.3772% | 3,589 |
| Loan and lease loss provision to assets | 0.0889% | 2,576 |
| Net operating income to assets | 0.8706% | 2,612 |
| Return on assets (ROA) | 0.8706% | 2,719 |
| Pretax return on assets | 1.0569% | 2,649 |
| Return on Equity (ROE) | 8.4756% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.9832% | 2,286 |
| Net charge-offs to loans | -0.0109% | 4,106 |
| Credit loss provision to net charge-offs | -1,660.0000% | 3,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2644% | 2,778 |
| Assets per employee ($millions) | 4.6080% | 3,123 |
| Cash dividends to net income (ytd only)* | 41.2054% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 4,145 |
| Loan loss allowance to noncurrent loans | 103.3582% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 2,744 |
| Noncurrent loans to loans | 0.8611% | 1,892 |
| Net loans and leases to total assets | 49.5849% | 4,261 |
| Net loans and leases to deposits | 55.4225% | 4,389 |
| Net loans and leases to core deposits | 55.7454% | 4,503 |
| Total domestic deposits to total assets | 89.4670% | 483 |
| Equity capital to assets | 10.3165% | 3,502 |
| Core capital (leverage) ratio | 10.1800% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3749% | 1,087 |
| Memoranda: | ||
| Average total assets | $373,549,500 | 1,880 |
| Average earning assets | $347,545,500 | 1,860 |
| Average equity | $38,369,000 | 2,050 |
| Average total loans | $184,037,500 | 2,317 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7124% | 4,664 |
| Cost of funding earning assets | 0.2566% | 4,836 |
| Net interest margin | 3.4558% | 3,573 |
| Noninterest income to average assets | 0.4747% | 2,880 |
| Noninterest expense to average assets | 2.2838% | 3,981 |
| Loan and lease loss provision to assets | 0.0417% | 3,177 |
| Net operating income to assets | 1.1237% | 2,357 |
| Return on assets (ROA) | 1.1203% | 2,466 |
| Pretax return on assets | 1.3529% | 2,320 |
| Return on Equity (ROE) | 11.4532% | 1,715 |
| Retained earnings to average equity (ytd only) | 8.5590% | 816 |
| Net charge-offs to loans | 0.0737% | 2,038 |
| Credit loss provision to net charge-offs | 116.5414% | 2,166 |
| Earnings coverage of net charge-offs (x) | 39.0752% | 1,337 |
| Efficiency ratio | 61.8066% | 3,415 |
| Assets per employee ($millions) | 4.6732% | 2,983 |
| Cash dividends to net income (ytd only)* | 25.2702% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 4,093 |
| Loan loss allowance to noncurrent loans | 91.1407% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 2,559 |
| Noncurrent loans to loans | 0.9524% | 1,608 |
| Net loans and leases to total assets | 48.0845% | 4,424 |
| Net loans and leases to deposits | 53.7544% | 4,541 |
| Net loans and leases to core deposits | 54.1074% | 4,647 |
| Total domestic deposits to total assets | 89.4523% | 509 |
| Equity capital to assets | 10.2265% | 3,703 |
| Core capital (leverage) ratio | 10.0112% | 3,508 |
| Tier 1 risk-based capital ratio | 17.6250% | 1,857 |
| Total risk-based capital ratio | 18.3585% | 1,951 |
| Memoranda: | ||
| Average total assets | $371,580,600 | 1,837 |
| Average earning assets | $344,900,600 | 1,831 |
| Average equity | $36,347,800 | 2,080 |
| Average total loans | $180,561,800 | 2,308 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,734 |
| Cost of funding earning assets | 0.2561% | 4,910 |
| Net interest margin | 3.4891% | 3,595 |
| Noninterest income to average assets | 0.4708% | 2,903 |
| Noninterest expense to average assets | 2.2374% | 4,103 |
| Loan and lease loss provision to assets | 0.0367% | 3,164 |
| Net operating income to assets | 1.1907% | 2,232 |
| Return on assets (ROA) | 1.1863% | 2,320 |
| Pretax return on assets | 1.4270% | 2,197 |
| Return on Equity (ROE) | 12.2676% | 1,526 |
| Retained earnings to average equity (ytd only) | 9.7368% | 819 |
| Net charge-offs to loans | 0.0968% | 1,504 |
| Credit loss provision to net charge-offs | 77.8626% | 2,530 |
| Earnings coverage of net charge-offs (x) | 31.2065% | 1,588 |
| Efficiency ratio | 60.1513% | 3,615 |
| Assets per employee ($millions) | 5.1970% | 2,342 |
| Cash dividends to net income (ytd only)* | 20.6302% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8279% | 4,319 |
| Loan loss allowance to noncurrent loans | 71.6032% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,410 |
| Noncurrent loans to loans | 1.1562% | 1,367 |
| Net loans and leases to total assets | 45.5911% | 4,627 |
| Net loans and leases to deposits | 50.5177% | 4,763 |
| Net loans and leases to core deposits | 50.7891% | 4,819 |
| Total domestic deposits to total assets | 90.2479% | 229 |
| Equity capital to assets | 9.4277% | 4,512 |
| Core capital (leverage) ratio | 9.8317% | 3,804 |
| Tier 1 risk-based capital ratio | 17.5507% | 1,933 |
| Total risk-based capital ratio | 18.2668% | 2,031 |
| Memoranda: | ||
| Average total assets | $371,012,250 | 1,858 |
| Average earning assets | $344,075,000 | 1,850 |
| Average equity | $35,876,750 | 2,108 |
| Average total loans | $180,367,250 | 2,333 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 4,746 |
| Cost of funding earning assets | 0.2456% | 4,969 |
| Net interest margin | 3.5258% | 3,514 |
| Noninterest income to average assets | 0.4556% | 2,930 |
| Noninterest expense to average assets | 2.3233% | 3,945 |
| Loan and lease loss provision to assets | 0.0509% | 2,796 |
| Net operating income to assets | 1.1423% | 2,361 |
| Return on assets (ROA) | 1.1354% | 2,467 |
| Pretax return on assets | 1.3557% | 2,366 |
| Return on Equity (ROE) | 11.6336% | 1,725 |
| Retained earnings to average equity (ytd only) | 8.9847% | 1,033 |
| Net charge-offs to loans | 0.1686% | 957 |
| Credit loss provision to net charge-offs | 60.9272% | 2,396 |
| Earnings coverage of net charge-offs (x) | 16.9272% | 1,911 |
| Efficiency ratio | 61.9428% | 3,441 |
| Assets per employee ($millions) | 4.4875% | 3,161 |
| Cash dividends to net income (ytd only)* | 22.7694% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 4,381 |
| Loan loss allowance to noncurrent loans | 77.1975% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5256% | 2,452 |
| Noncurrent loans to loans | 1.0580% | 1,550 |
| Net loans and leases to total assets | 49.2717% | 4,507 |
| Net loans and leases to deposits | 54.8469% | 4,642 |
| Net loans and leases to core deposits | 55.1269% | 4,741 |
| Total domestic deposits to total assets | 89.8350% | 380 |
| Equity capital to assets | 9.9492% | 4,018 |
| Core capital (leverage) ratio | 9.8138% | 3,812 |
| Tier 1 risk-based capital ratio | 17.3789% | 1,973 |
| Total risk-based capital ratio | 18.0941% | 2,075 |
| Memoranda: | ||
| Average total assets | $361,292,330 | 1,900 |
| Average earning assets | $336,376,330 | 1,884 |
| Average equity | $35,260,000 | 2,128 |
| Average total loans | $179,167,670 | 2,350 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 4,853 |
| Cost of funding earning assets | 0.2308% | 5,038 |
| Net interest margin | 3.4649% | 3,698 |
| Noninterest income to average assets | 0.4313% | 2,968 |
| Noninterest expense to average assets | 2.3322% | 3,944 |
| Loan and lease loss provision to assets | 0.0860% | 1,985 |
| Net operating income to assets | 1.0604% | 2,620 |
| Return on assets (ROA) | 1.0460% | 2,714 |
| Pretax return on assets | 1.2169% | 2,743 |
| Return on Equity (ROE) | 10.8257% | 2,015 |
| Retained earnings to average equity (ytd only) | 8.1192% | 1,612 |
| Net charge-offs to loans | 0.3293% | 464 |
| Credit loss provision to net charge-offs | 52.7397% | 1,957 |
| Earnings coverage of net charge-offs (x) | 8.0890% | 2,098 |
| Efficiency ratio | 63.6475% | 3,292 |
| Assets per employee ($millions) | 4.4006% | 3,328 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 4,412 |
| Loan loss allowance to noncurrent loans | 70.6190% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,326 |
| Noncurrent loans to loans | 1.1792% | 1,410 |
| Net loans and leases to total assets | 48.9410% | 4,532 |
| Net loans and leases to deposits | 54.3534% | 4,664 |
| Net loans and leases to core deposits | 54.6356% | 4,759 |
| Total domestic deposits to total assets | 90.0422% | 430 |
| Equity capital to assets | 9.7511% | 4,043 |
| Core capital (leverage) ratio | 9.8183% | 3,797 |
| Tier 1 risk-based capital ratio | 16.9744% | 2,113 |
| Total risk-based capital ratio | 17.6857% | 2,236 |
| Memoranda: | ||
| Average total assets | $357,949,500 | 1,922 |
| Average earning assets | $332,709,500 | 1,911 |
| Average equity | $34,584,500 | 2,158 |
| Average total loans | $177,350,500 | 2,394 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5221% | 4,895 |
| Cost of funding earning assets | 0.1522% | 5,165 |
| Net interest margin | 3.3699% | 4,077 |
| Noninterest income to average assets | 0.5704% | 2,449 |
| Noninterest expense to average assets | 2.3686% | 3,962 |
| Loan and lease loss provision to assets | 0.1069% | 2,060 |
| Net operating income to assets | 0.9996% | 3,012 |
| Return on assets (ROA) | 0.9502% | 3,229 |
| Pretax return on assets | 1.1510% | 3,095 |
| Return on Equity (ROE) | 9.8651% | 2,568 |
| Retained earnings to average equity (ytd only) | 7.2911% | 1,545 |
| Net charge-offs to loans | 0.0811% | 1,978 |
| Credit loss provision to net charge-offs | 257.4468% | 1,160 |
| Earnings coverage of net charge-offs (x) | 31.7305% | 1,535 |
| Efficiency ratio | 64.0278% | 3,192 |
| Assets per employee ($millions) | 4.4381% | 3,259 |
| Cash dividends to net income (ytd only)* | 26.0923% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8788% | 4,252 |
| Loan loss allowance to noncurrent loans | 95.5077% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4577% | 2,735 |
| Noncurrent loans to loans | 0.9201% | 1,742 |
| Net loans and leases to total assets | 49.3066% | 4,565 |
| Net loans and leases to deposits | 54.6906% | 4,719 |
| Net loans and leases to core deposits | 54.9787% | 4,811 |
| Total domestic deposits to total assets | 90.1554% | 425 |
| Equity capital to assets | 9.5711% | 4,069 |
| Core capital (leverage) ratio | 9.9879% | 3,589 |
| Tier 1 risk-based capital ratio | 17.0556% | 2,047 |
| Total risk-based capital ratio | 17.8188% | 2,164 |
| Memoranda: | ||
| Average total assets | $339,613,800 | 1,953 |
| Average earning assets | $313,990,200 | 1,953 |
| Average equity | $32,711,200 | 2,170 |
| Average total loans | $173,857,000 | 2,397 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 4,938 |
| Cost of funding earning assets | 0.1465% | 5,231 |
| Net interest margin | 3.3412% | 4,180 |
| Noninterest income to average assets | 0.5770% | 2,436 |
| Noninterest expense to average assets | 2.3588% | 3,952 |
| Loan and lease loss provision to assets | 0.1541% | 1,272 |
| Net operating income to assets | 0.8901% | 3,581 |
| Return on assets (ROA) | 0.8804% | 3,627 |
| Pretax return on assets | 1.1409% | 3,236 |
| Return on Equity (ROE) | 9.1251% | 3,030 |
| Retained earnings to average equity (ytd only) | 6.9642% | 2,142 |
| Net charge-offs to loans | 0.2703% | 614 |
| Credit loss provision to net charge-offs | 110.5413% | 2,101 |
| Earnings coverage of net charge-offs (x) | 9.3789% | 2,645 |
| Efficiency ratio | 64.1031% | 3,165 |
| Assets per employee ($millions) | 4.4664% | 3,172 |
| Cash dividends to net income (ytd only)* | 23.6805% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 4,702 |
| Loan loss allowance to noncurrent loans | 129.6964% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 3,488 |
| Noncurrent loans to loans | 0.5971% | 2,591 |
| Net loans and leases to total assets | 50.2738% | 4,573 |
| Net loans and leases to deposits | 55.7117% | 4,766 |
| Net loans and leases to core deposits | 56.0567% | 4,845 |
| Total domestic deposits to total assets | 90.2393% | 430 |
| Equity capital to assets | 9.4756% | 4,100 |
| Core capital (leverage) ratio | 9.9678% | 3,672 |
| Tier 1 risk-based capital ratio | 16.6123% | 2,240 |
| Total risk-based capital ratio | 17.2806% | 2,376 |
| Memoranda: | ||
| Average total assets | $335,755,250 | 1,973 |
| Average earning assets | $310,418,750 | 1,977 |
| Average equity | $32,393,500 | 2,194 |
| Average total loans | $173,167,750 | 2,416 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4627% | 4,963 |
| Cost of funding earning assets | 0.1377% | 5,294 |
| Net interest margin | 3.3250% | 4,179 |
| Noninterest income to average assets | 0.5900% | 2,384 |
| Noninterest expense to average assets | 2.3966% | 3,907 |
| Loan and lease loss provision to assets | 0.2069% | 814 |
| Net operating income to assets | 0.8186% | 3,793 |
| Return on assets (ROA) | 0.8186% | 3,801 |
| Pretax return on assets | 1.0593% | 3,478 |
| Return on Equity (ROE) | 8.4318% | 3,297 |
| Retained earnings to average equity (ytd only) | 6.1887% | 2,464 |
| Net charge-offs to loans | 0.2441% | 649 |
| Credit loss provision to net charge-offs | 163.3333% | 1,496 |
| Earnings coverage of net charge-offs (x) | 9.9952% | 2,360 |
| Efficiency ratio | 65.2009% | 3,122 |
| Assets per employee ($millions) | 4.0767% | 3,768 |
| Cash dividends to net income (ytd only)* | 26.6028% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8359% | 4,585 |
| Loan loss allowance to noncurrent loans | 129.8137% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 3,264 |
| Noncurrent loans to loans | 0.6439% | 2,505 |
| Net loans and leases to total assets | 52.5621% | 4,443 |
| Net loans and leases to deposits | 58.4524% | 4,615 |
| Net loans and leases to core deposits | 58.7856% | 4,754 |
| Total domestic deposits to total assets | 89.9229% | 595 |
| Equity capital to assets | 9.8300% | 3,794 |
| Core capital (leverage) ratio | 10.0565% | 3,518 |
| Tier 1 risk-based capital ratio | 16.9589% | 2,114 |
| Total risk-based capital ratio | 17.7045% | 2,216 |
| Memoranda: | ||
| Average total assets | $331,547,670 | 2,002 |
| Average earning assets | $306,407,670 | 2,012 |
| Average equity | $32,187,670 | 2,217 |
| Average total loans | $172,053,670 | 2,430 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 4,953 |
| Cost of funding earning assets | 0.1264% | 5,371 |
| Net interest margin | 3.3239% | 4,123 |
| Noninterest income to average assets | 0.5611% | 2,468 |
| Noninterest expense to average assets | 2.4129% | 3,910 |
| Loan and lease loss provision to assets | 0.2119% | 761 |
| Net operating income to assets | 0.7814% | 3,785 |
| Return on assets (ROA) | 0.7814% | 3,783 |
| Pretax return on assets | 1.0078% | 3,506 |
| Return on Equity (ROE) | 8.0995% | 3,333 |
| Retained earnings to average equity (ytd only) | 5.8156% | 2,798 |
| Net charge-offs to loans | 0.2908% | 529 |
| Credit loss provision to net charge-offs | 141.9355% | 1,265 |
| Earnings coverage of net charge-offs (x) | 8.1694% | 2,047 |
| Efficiency ratio | 66.1916% | 3,125 |
| Assets per employee ($millions) | 4.1876% | 3,670 |
| Cash dividends to net income (ytd only)* | 28.1972% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8144% | 4,750 |
| Loan loss allowance to noncurrent loans | 89.8570% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 0.4863% | 2,910 |
| Noncurrent loans to loans | 0.9063% | 2,007 |
| Net loans and leases to total assets | 50.2412% | 4,540 |
| Net loans and leases to deposits | 55.6916% | 4,714 |
| Net loans and leases to core deposits | 56.0520% | 4,842 |
| Total domestic deposits to total assets | 90.2133% | 577 |
| Equity capital to assets | 9.5506% | 4,045 |
| Core capital (leverage) ratio | 9.9205% | 3,612 |
| Tier 1 risk-based capital ratio | 17.4469% | 1,991 |
| Total risk-based capital ratio | 18.1834% | 2,086 |
| Memoranda: | ||
| Average total assets | $332,214,000 | 2,009 |
| Average earning assets | $306,984,500 | 2,012 |
| Average equity | $32,051,500 | 2,237 |
| Average total loans | $170,565,000 | 2,468 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 5,236 |
| Cost of funding earning assets | 0.1204% | 5,409 |
| Net interest margin | 3.0410% | 4,802 |
| Noninterest income to average assets | 0.6361% | 2,267 |
| Noninterest expense to average assets | 2.2928% | 4,350 |
| Loan and lease loss provision to assets | 0.0526% | 3,177 |
| Net operating income to assets | 0.7683% | 3,310 |
| Return on assets (ROA) | 0.7683% | 3,349 |
| Pretax return on assets | 1.1002% | 3,184 |
| Return on Equity (ROE) | 8.0721% | 2,763 |
| Retained earnings to average equity (ytd only) | 5.6134% | 1,762 |
| Net charge-offs to loans | 0.0401% | 2,987 |
| Credit loss provision to net charge-offs | 266.1538% | 1,052 |
| Earnings coverage of net charge-offs (x) | 58.3538% | 972 |
| Efficiency ratio | 66.2874% | 3,207 |
| Assets per employee ($millions) | 4.2234% | 3,621 |
| Cash dividends to net income (ytd only)* | 30.4589% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 4,895 |
| Loan loss allowance to noncurrent loans | 79.9279% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 2,776 |
| Noncurrent loans to loans | 0.9706% | 1,821 |
| Net loans and leases to total assets | 51.6380% | 4,541 |
| Net loans and leases to deposits | 57.3753% | 4,727 |
| Net loans and leases to core deposits | 57.7536% | 4,858 |
| Total domestic deposits to total assets | 90.0004% | 567 |
| Equity capital to assets | 9.7467% | 3,971 |
| Core capital (leverage) ratio | 9.8105% | 3,687 |
| Tier 1 risk-based capital ratio | 17.2751% | 2,006 |
| Total risk-based capital ratio | 17.9862% | 2,133 |
| Memoranda: | ||
| Average total assets | $329,033,400 | 2,014 |
| Average earning assets | $303,976,200 | 2,022 |
| Average equity | $31,317,800 | 2,270 |
| Average total loans | $162,000,600 | 2,522 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1158% | 5,320 |
| Cost of funding earning assets | 0.1202% | 5,475 |
| Net interest margin | 2.9956% | 4,931 |
| Noninterest income to average assets | 0.5136% | 2,949 |
| Noninterest expense to average assets | 2.2756% | 4,358 |
| Loan and lease loss provision to assets | 0.0738% | 2,593 |
| Net operating income to assets | 0.6875% | 4,040 |
| Return on assets (ROA) | 0.6875% | 4,108 |
| Pretax return on assets | 0.9323% | 3,926 |
| Return on Equity (ROE) | 7.2663% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.3383% | 2,656 |
| Net charge-offs to loans | 0.0426% | 2,590 |
| Credit loss provision to net charge-offs | 356.8627% | 853 |
| Earnings coverage of net charge-offs (x) | 48.6654% | 1,137 |
| Efficiency ratio | 69.0711% | 2,697 |
| Assets per employee ($millions) | 4.0876% | 3,844 |
| Cash dividends to net income (ytd only)* | 26.5332% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 4,900 |
| Loan loss allowance to noncurrent loans | 78.9382% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 2,355 |
| Noncurrent loans to loans | 1.0105% | 1,925 |
| Net loans and leases to total assets | 50.8224% | 4,654 |
| Net loans and leases to deposits | 56.4612% | 4,850 |
| Net loans and leases to core deposits | 56.8337% | 4,956 |
| Total domestic deposits to total assets | 90.0129% | 470 |
| Equity capital to assets | 9.6690% | 4,275 |
| Core capital (leverage) ratio | 9.7001% | 3,935 |
| Tier 1 risk-based capital ratio | 16.8304% | 2,209 |
| Total risk-based capital ratio | 17.5491% | 2,333 |
| Memoranda: | ||
| Average total assets | $328,935,750 | 2,030 |
| Average earning assets | $303,946,500 | 2,037 |
| Average equity | $31,120,250 | 2,297 |
| Average total loans | $159,641,250 | 2,569 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 5,374 |
| Cost of funding earning assets | 0.1188% | 5,518 |
| Net interest margin | 2.9526% | 5,001 |
| Noninterest income to average assets | 0.5015% | 3,014 |
| Noninterest expense to average assets | 2.3021% | 4,342 |
| Loan and lease loss provision to assets | 0.0475% | 3,041 |
| Net operating income to assets | 0.6496% | 4,086 |
| Return on assets (ROA) | 0.6496% | 4,134 |
| Pretax return on assets | 0.8781% | 4,000 |
| Return on Equity (ROE) | 6.9171% | 3,596 |
| Retained earnings to average equity (ytd only) | 4.9704% | 2,727 |
| Net charge-offs to loans | 0.0653% | 1,998 |
| Credit loss provision to net charge-offs | 152.9412% | 1,502 |
| Earnings coverage of net charge-offs (x) | 29.7843% | 1,468 |
| Efficiency ratio | 71.0591% | 2,502 |
| Assets per employee ($millions) | 3.9765% | 3,992 |
| Cash dividends to net income (ytd only)* | 28.1426% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 4,998 |
| Loan loss allowance to noncurrent loans | 70.3266% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 1,781 |
| Noncurrent loans to loans | 1.1070% | 1,771 |
| Net loans and leases to total assets | 48.2312% | 4,808 |
| Net loans and leases to deposits | 53.4991% | 4,993 |
| Net loans and leases to core deposits | 53.8523% | 5,097 |
| Total domestic deposits to total assets | 90.1533% | 485 |
| Equity capital to assets | 9.5386% | 4,372 |
| Core capital (leverage) ratio | 9.5084% | 4,125 |
| Tier 1 risk-based capital ratio | 16.9081% | 2,176 |
| Total risk-based capital ratio | 17.5851% | 2,326 |
| Memoranda: | ||
| Average total assets | $328,215,000 | 2,032 |
| Average earning assets | $303,055,670 | 2,037 |
| Average equity | $30,822,330 | 2,309 |
| Average total loans | $156,313,330 | 2,610 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0337% | 5,430 |
| Cost of funding earning assets | 0.1177% | 5,576 |
| Net interest margin | 2.9160% | 5,056 |
| Noninterest income to average assets | 0.5047% | 2,952 |
| Noninterest expense to average assets | 2.3514% | 4,259 |
| Loan and lease loss provision to assets | 0.0489% | 2,831 |
| Net operating income to assets | 0.5891% | 4,203 |
| Return on assets (ROA) | 0.5891% | 4,248 |
| Pretax return on assets | 0.7993% | 4,113 |
| Return on Equity (ROE) | 6.3229% | 3,755 |
| Retained earnings to average equity (ytd only) | 4.3552% | 3,241 |
| Net charge-offs to loans | 0.0856% | 1,496 |
| Credit loss provision to net charge-offs | 121.2121% | 1,393 |
| Earnings coverage of net charge-offs (x) | 21.0303% | 1,464 |
| Efficiency ratio | 73.2238% | 2,370 |
| Assets per employee ($millions) | 4.1726% | 3,712 |
| Cash dividends to net income (ytd only)* | 31.1203% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 5,077 |
| Loan loss allowance to noncurrent loans | 76.0049% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9507% | 1,933 |
| Noncurrent loans to loans | 1.0484% | 1,964 |
| Net loans and leases to total assets | 46.4174% | 4,919 |
| Net loans and leases to deposits | 51.4109% | 5,056 |
| Net loans and leases to core deposits | 51.8076% | 5,152 |
| Total domestic deposits to total assets | 90.2873% | 547 |
| Equity capital to assets | 9.3247% | 4,479 |
| Core capital (leverage) ratio | 9.4061% | 4,229 |
| Tier 1 risk-based capital ratio | 17.3938% | 2,068 |
| Total risk-based capital ratio | 18.0889% | 2,205 |
| Memoranda: | ||
| Average total assets | $327,297,500 | 2,055 |
| Average earning assets | $302,471,500 | 2,057 |
| Average equity | $30,492,500 | 2,338 |
| Average total loans | $154,252,000 | 2,646 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 5,137 |
| Cost of funding earning assets | 0.1320% | 5,533 |
| Net interest margin | 3.1822% | 4,494 |
| Noninterest income to average assets | 0.5569% | 2,875 |
| Noninterest expense to average assets | 2.5019% | 4,001 |
| Loan and lease loss provision to assets | 0.0255% | 3,846 |
| Net operating income to assets | 0.7152% | 3,711 |
| Return on assets (ROA) | 0.7152% | 3,832 |
| Pretax return on assets | 0.9660% | 3,595 |
| Return on Equity (ROE) | 7.5350% | 3,201 |
| Retained earnings to average equity (ytd only) | -3.2925% | 5,600 |
| Net charge-offs to loans | 0.0409% | 3,212 |
| Credit loss provision to net charge-offs | 129.5082% | 2,072 |
| Earnings coverage of net charge-offs (x) | 50.2951% | 1,001 |
| Efficiency ratio | 71.4127% | 2,679 |
| Assets per employee ($millions) | 3.9629% | 4,040 |
| Cash dividends to net income (ytd only)* | 143.6963% | 164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 5,127 |
| Loan loss allowance to noncurrent loans | 56.4434% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 1,996 |
| Noncurrent loans to loans | 1.4034% | 1,452 |
| Net loans and leases to total assets | 47.0965% | 4,948 |
| Net loans and leases to deposits | 52.1450% | 5,113 |
| Net loans and leases to core deposits | 52.7436% | 5,187 |
| Total domestic deposits to total assets | 90.3184% | 506 |
| Equity capital to assets | 9.3080% | 4,464 |
| Core capital (leverage) ratio | 9.4491% | 4,161 |
| Tier 1 risk-based capital ratio | 17.4096% | 2,032 |
| Total risk-based capital ratio | 18.1078% | 2,157 |
| Memoranda: | ||
| Average total assets | $309,407,600 | 2,116 |
| Average earning assets | $285,526,000 | 2,126 |
| Average equity | $29,369,800 | 2,410 |
| Average total loans | $148,962,800 | 2,659 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3534% | 5,116 |
| Cost of funding earning assets | 0.1358% | 5,582 |
| Net interest margin | 3.2176% | 4,435 |
| Noninterest income to average assets | 0.5202% | 3,115 |
| Noninterest expense to average assets | 2.5338% | 3,886 |
| Loan and lease loss provision to assets | 0.0493% | 3,260 |
| Net operating income to assets | 0.6668% | 4,012 |
| Return on assets (ROA) | 0.6668% | 4,136 |
| Pretax return on assets | 0.9055% | 3,960 |
| Return on Equity (ROE) | 6.9888% | 3,563 |
| Retained earnings to average equity (ytd only) | -6.1381% | 5,769 |
| Net charge-offs to loans | 0.0596% | 2,496 |
| Credit loss provision to net charge-offs | 171.2121% | 1,628 |
| Earnings coverage of net charge-offs (x) | 33.1507% | 1,401 |
| Efficiency ratio | 72.4418% | 2,509 |
| Assets per employee ($millions) | 3.9940% | 3,981 |
| Cash dividends to net income (ytd only)* | 187.8274% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 5,168 |
| Loan loss allowance to noncurrent loans | 76.9846% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 2,331 |
| Noncurrent loans to loans | 1.0497% | 2,142 |
| Net loans and leases to total assets | 47.4658% | 4,996 |
| Net loans and leases to deposits | 52.7903% | 5,165 |
| Net loans and leases to core deposits | 53.4036% | 5,247 |
| Total domestic deposits to total assets | 89.9140% | 517 |
| Equity capital to assets | 9.6085% | 4,549 |
| Core capital (leverage) ratio | 9.4833% | 4,202 |
| Tier 1 risk-based capital ratio | 17.0478% | 2,209 |
| Total risk-based capital ratio | 17.7562% | 2,365 |
| Memoranda: | ||
| Average total assets | $305,520,500 | 2,142 |
| Average earning assets | $281,860,000 | 2,149 |
| Average equity | $29,150,500 | 2,442 |
| Average total loans | $147,637,250 | 2,679 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 5,182 |
| Cost of funding earning assets | 0.1403% | 5,609 |
| Net interest margin | 3.2104% | 4,510 |
| Noninterest income to average assets | 0.5282% | 3,015 |
| Noninterest expense to average assets | 2.5901% | 3,754 |
| Loan and lease loss provision to assets | 0.0234% | 3,663 |
| Net operating income to assets | 0.6504% | 4,041 |
| Return on assets (ROA) | 0.6504% | 4,187 |
| Pretax return on assets | 0.8787% | 4,028 |
| Return on Equity (ROE) | 6.8337% | 3,631 |
| Retained earnings to average equity (ytd only) | -12.2502% | 5,905 |
| Net charge-offs to loans | 0.0537% | 2,434 |
| Credit loss provision to net charge-offs | 89.7436% | 2,244 |
| Earnings coverage of net charge-offs (x) | 34.6410% | 1,270 |
| Efficiency ratio | 74.0153% | 2,356 |
| Assets per employee ($millions) | 3.8398% | 4,189 |
| Cash dividends to net income (ytd only)* | 279.2608% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7802% | 5,325 |
| Loan loss allowance to noncurrent loans | 72.6998% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9128% | 2,331 |
| Noncurrent loans to loans | 1.0732% | 2,143 |
| Net loans and leases to total assets | 47.9216% | 5,000 |
| Net loans and leases to deposits | 53.2872% | 5,176 |
| Net loans and leases to core deposits | 53.9153% | 5,282 |
| Total domestic deposits to total assets | 89.9307% | 517 |
| Equity capital to assets | 9.6325% | 4,631 |
| Core capital (leverage) ratio | 9.1788% | 4,626 |
| Tier 1 risk-based capital ratio | 16.8211% | 2,296 |
| Total risk-based capital ratio | 17.5013% | 2,470 |
| Memoranda: | ||
| Average total assets | $299,521,670 | 2,189 |
| Average earning assets | $276,540,330 | 2,189 |
| Average equity | $28,505,670 | 2,495 |
| Average total loans | $145,246,000 | 2,704 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 5,123 |
| Cost of funding earning assets | 0.1443% | 5,646 |
| Net interest margin | 3.2575% | 4,373 |
| Noninterest income to average assets | 0.4829% | 3,237 |
| Noninterest expense to average assets | 2.5578% | 3,886 |
| Loan and lease loss provision to assets | 0.0373% | 3,165 |
| Net operating income to assets | 0.6898% | 3,763 |
| Return on assets (ROA) | 0.6898% | 3,875 |
| Pretax return on assets | 0.9078% | 3,816 |
| Return on Equity (ROE) | 7.2969% | 3,290 |
| Retained earnings to average equity (ytd only) | -30.2091% | 6,025 |
| Net charge-offs to loans | -0.3151% | 5,944 |
| Credit loss provision to net charge-offs | -24.3243% | 4,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0209% | 2,638 |
| Assets per employee ($millions) | 3.6308% | 4,588 |
| Cash dividends to net income (ytd only)* | 514.0000% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 4,951 |
| Loan loss allowance to noncurrent loans | 86.9734% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 2,349 |
| Noncurrent loans to loans | 1.0695% | 2,251 |
| Net loans and leases to total assets | 49.8311% | 4,820 |
| Net loans and leases to deposits | 55.1297% | 5,029 |
| Net loans and leases to core deposits | 55.5093% | 5,163 |
| Total domestic deposits to total assets | 90.3889% | 470 |
| Equity capital to assets | 9.2771% | 4,909 |
| Core capital (leverage) ratio | 9.0781% | 4,760 |
| Tier 1 risk-based capital ratio | 15.8266% | 2,772 |
| Total risk-based capital ratio | 16.6322% | 2,917 |
| Memoranda: | ||
| Average total assets | $289,931,500 | 2,247 |
| Average earning assets | $268,793,000 | 2,252 |
| Average equity | $27,409,000 | 2,566 |
| Average total loans | $140,905,000 | 2,767 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3374% | 5,283 |
| Cost of funding earning assets | 0.1697% | 5,541 |
| Net interest margin | 3.1677% | 4,723 |
| Noninterest income to average assets | 0.5881% | 2,783 |
| Noninterest expense to average assets | 2.5730% | 4,014 |
| Loan and lease loss provision to assets | -0.0507% | 5,749 |
| Net operating income to assets | 0.7376% | 3,635 |
| Return on assets (ROA) | 0.7434% | 3,702 |
| Pretax return on assets | 0.9983% | 3,480 |
| Return on Equity (ROE) | 7.3632% | 3,324 |
| Retained earnings to average equity (ytd only) | 0.8406% | 5,187 |
| Net charge-offs to loans | 0.2476% | 1,216 |
| Credit loss provision to net charge-offs | -42.3529% | 5,043 |
| Earnings coverage of net charge-offs (x) | 7.8500% | 3,029 |
| Efficiency ratio | 73.2458% | 2,703 |
| Assets per employee ($millions) | 3.6176% | 4,613 |
| Cash dividends to net income (ytd only)* | 88.5836% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8754% | 5,179 |
| Loan loss allowance to noncurrent loans | 56.8998% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 1,943 |
| Noncurrent loans to loans | 1.5385% | 1,503 |
| Net loans and leases to total assets | 46.5249% | 5,121 |
| Net loans and leases to deposits | 51.7373% | 5,298 |
| Net loans and leases to core deposits | 52.0876% | 5,408 |
| Total domestic deposits to total assets | 89.9252% | 662 |
| Equity capital to assets | 9.6264% | 4,401 |
| Core capital (leverage) ratio | 9.8555% | 3,706 |
| Tier 1 risk-based capital ratio | 17.4965% | 2,125 |
| Total risk-based capital ratio | 18.2374% | 2,240 |
| Memoranda: | ||
| Average total assets | $283,984,400 | 2,239 |
| Average earning assets | $262,210,600 | 2,252 |
| Average equity | $28,669,600 | 2,410 |
| Average total loans | $137,326,400 | 2,761 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3749% | 5,260 |
| Cost of funding earning assets | 0.1770% | 5,578 |
| Net interest margin | 3.1979% | 4,676 |
| Noninterest income to average assets | 0.5225% | 3,214 |
| Noninterest expense to average assets | 2.5727% | 3,973 |
| Loan and lease loss provision to assets | -0.0203% | 5,846 |
| Net operating income to assets | 0.6958% | 3,919 |
| Return on assets (ROA) | 0.7037% | 3,998 |
| Pretax return on assets | 0.9304% | 3,884 |
| Return on Equity (ROE) | 6.8877% | 3,691 |
| Retained earnings to average equity (ytd only) | 4.7107% | 3,119 |
| Net charge-offs to loans | 0.3788% | 684 |
| Credit loss provision to net charge-offs | -11.0256% | 4,855 |
| Earnings coverage of net charge-offs (x) | 4.8743% | 3,286 |
| Efficiency ratio | 74.0902% | 2,539 |
| Assets per employee ($millions) | 3.4170% | 4,951 |
| Cash dividends to net income (ytd only)* | 31.6072% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8989% | 5,208 |
| Loan loss allowance to noncurrent loans | 55.4329% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 1,474 |
| Noncurrent loans to loans | 1.6216% | 1,522 |
| Net loans and leases to total assets | 48.7855% | 5,027 |
| Net loans and leases to deposits | 54.6602% | 5,208 |
| Net loans and leases to core deposits | 55.0454% | 5,352 |
| Total domestic deposits to total assets | 89.2523% | 897 |
| Equity capital to assets | 10.3546% | 3,753 |
| Core capital (leverage) ratio | 10.4041% | 3,163 |
| Tier 1 risk-based capital ratio | 17.5903% | 2,160 |
| Total risk-based capital ratio | 18.3466% | 2,291 |
| Memoranda: | ||
| Average total assets | $281,723,500 | 2,273 |
| Average earning assets | $259,869,250 | 2,284 |
| Average equity | $28,785,000 | 2,422 |
| Average total loans | $137,274,250 | 2,779 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3977% | 5,234 |
| Cost of funding earning assets | 0.1882% | 5,542 |
| Net interest margin | 3.2095% | 4,631 |
| Noninterest income to average assets | 0.5030% | 3,351 |
| Noninterest expense to average assets | 2.5799% | 3,979 |
| Loan and lease loss provision to assets | -0.0334% | 6,000 |
| Net operating income to assets | 0.6968% | 3,906 |
| Return on assets (ROA) | 0.7087% | 3,974 |
| Pretax return on assets | 0.9328% | 3,833 |
| Return on Equity (ROE) | 6.9672% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.0785% | 2,812 |
| Net charge-offs to loans | 0.5744% | 422 |
| Credit loss provision to net charge-offs | -11.9898% | 4,700 |
| Earnings coverage of net charge-offs (x) | 3.1684% | 3,231 |
| Efficiency ratio | 74.4864% | 2,618 |
| Assets per employee ($millions) | 3.4725% | 4,851 |
| Cash dividends to net income (ytd only)* | 27.1084% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9224% | 5,208 |
| Loan loss allowance to noncurrent loans | 46.5871% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.5652% | 1,556 |
| Noncurrent loans to loans | 1.9799% | 1,243 |
| Net loans and leases to total assets | 48.2955% | 5,076 |
| Net loans and leases to deposits | 54.0807% | 5,248 |
| Net loans and leases to core deposits | 54.4693% | 5,393 |
| Total domestic deposits to total assets | 89.3027% | 1,002 |
| Equity capital to assets | 10.3740% | 3,588 |
| Core capital (leverage) ratio | 10.2949% | 3,216 |
| Tier 1 risk-based capital ratio | 17.8281% | 2,121 |
| Total risk-based capital ratio | 18.5987% | 2,230 |
| Memoranda: | ||
| Average total assets | $281,093,670 | 2,295 |
| Average earning assets | $259,292,670 | 2,302 |
| Average equity | $28,591,000 | 2,447 |
| Average total loans | $136,493,330 | 2,800 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4118% | 5,174 |
| Cost of funding earning assets | 0.2072% | 5,442 |
| Net interest margin | 3.2046% | 4,594 |
| Noninterest income to average assets | 0.3692% | 4,254 |
| Noninterest expense to average assets | 2.6187% | 3,866 |
| Loan and lease loss provision to assets | -0.1075% | 6,213 |
| Net operating income to assets | 0.6254% | 4,171 |
| Return on assets (ROA) | 0.6494% | 4,171 |
| Pretax return on assets | 0.8432% | 4,092 |
| Return on Equity (ROE) | 6.4473% | 3,802 |
| Retained earnings to average equity (ytd only) | 4.3403% | 3,410 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7995% | 2,073 |
| Assets per employee ($millions) | 3.4418% | 5,011 |
| Cash dividends to net income (ytd only)* | 32.6797% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 4,112 |
| Loan loss allowance to noncurrent loans | 73.6409% | 4,345 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 2,099 |
| Noncurrent loans to loans | 1.5973% | 1,750 |
| Net loans and leases to total assets | 47.9853% | 5,032 |
| Net loans and leases to deposits | 53.6130% | 5,222 |
| Net loans and leases to core deposits | 53.9913% | 5,367 |
| Total domestic deposits to total assets | 89.5032% | 991 |
| Equity capital to assets | 10.1846% | 3,900 |
| Core capital (leverage) ratio | 9.9812% | 3,625 |
| Tier 1 risk-based capital ratio | 17.9578% | 2,145 |
| Total risk-based capital ratio | 18.9737% | 2,197 |
| Memoranda: | ||
| Average total assets | $282,740,500 | 2,300 |
| Average earning assets | $260,623,500 | 2,305 |
| Average equity | $28,477,000 | 2,466 |
| Average total loans | $137,033,000 | 2,789 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4488% | 5,433 |
| Cost of funding earning assets | 0.2494% | 5,326 |
| Net interest margin | 3.1994% | 4,919 |
| Noninterest income to average assets | 0.5441% | 3,211 |
| Noninterest expense to average assets | 2.5652% | 4,344 |
| Loan and lease loss provision to assets | 0.0245% | 4,116 |
| Net operating income to assets | 0.6775% | 3,999 |
| Return on assets (ROA) | 0.6775% | 4,116 |
| Pretax return on assets | 0.8973% | 3,915 |
| Return on Equity (ROE) | 7.0118% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.5016% | 2,968 |
| Net charge-offs to loans | 0.1065% | 2,988 |
| Credit loss provision to net charge-offs | 47.5862% | 3,537 |
| Earnings coverage of net charge-offs (x) | 17.8759% | 1,883 |
| Efficiency ratio | 73.5645% | 2,914 |
| Assets per employee ($millions) | 3.5855% | 4,748 |
| Cash dividends to net income (ytd only)* | 35.8005% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,809 |
| Loan loss allowance to noncurrent loans | 76.2077% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3313% | 2,110 |
| Noncurrent loans to loans | 1.6165% | 1,811 |
| Net loans and leases to total assets | 47.7799% | 5,178 |
| Net loans and leases to deposits | 53.2406% | 5,389 |
| Net loans and leases to core deposits | 53.6383% | 5,520 |
| Total domestic deposits to total assets | 89.7434% | 856 |
| Equity capital to assets | 9.9594% | 4,169 |
| Core capital (leverage) ratio | 9.8863% | 3,727 |
| Tier 1 risk-based capital ratio | 18.1004% | 2,103 |
| Total risk-based capital ratio | 19.1851% | 2,128 |
| Memoranda: | ||
| Average total assets | $281,189,400 | 2,270 |
| Average earning assets | $258,644,200 | 2,285 |
| Average equity | $27,168,400 | 2,478 |
| Average total loans | $136,207,600 | 2,760 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,489 |
| Cost of funding earning assets | 0.2584% | 5,326 |
| Net interest margin | 3.1948% | 4,985 |
| Noninterest income to average assets | 0.4898% | 3,612 |
| Noninterest expense to average assets | 2.5927% | 4,216 |
| Loan and lease loss provision to assets | 0.0029% | 4,350 |
| Net operating income to assets | 0.6375% | 4,270 |
| Return on assets (ROA) | 0.6375% | 4,373 |
| Pretax return on assets | 0.8313% | 4,253 |
| Return on Equity (ROE) | 6.6497% | 3,879 |
| Retained earnings to average equity (ytd only) | 4.4595% | 3,474 |
| Net charge-offs to loans | 0.1480% | 2,305 |
| Credit loss provision to net charge-offs | 3.9735% | 3,765 |
| Earnings coverage of net charge-offs (x) | 11.6290% | 2,402 |
| Efficiency ratio | 75.6584% | 2,545 |
| Assets per employee ($millions) | 3.4935% | 4,874 |
| Cash dividends to net income (ytd only)* | 32.9360% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 4,169 |
| Loan loss allowance to noncurrent loans | 74.5739% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.3549% | 2,280 |
| Noncurrent loans to loans | 1.6231% | 2,011 |
| Net loans and leases to total assets | 46.6965% | 5,319 |
| Net loans and leases to deposits | 51.8929% | 5,533 |
| Net loans and leases to core deposits | 52.4873% | 5,657 |
| Total domestic deposits to total assets | 89.9864% | 737 |
| Equity capital to assets | 9.6771% | 4,577 |
| Core capital (leverage) ratio | 9.9328% | 3,766 |
| Tier 1 risk-based capital ratio | 18.2868% | 2,119 |
| Total risk-based capital ratio | 19.3502% | 2,142 |
| Memoranda: | ||
| Average total assets | $280,674,000 | 2,285 |
| Average earning assets | $258,034,500 | 2,304 |
| Average equity | $26,908,000 | 2,500 |
| Average total loans | $136,003,250 | 2,778 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4524% | 5,512 |
| Cost of funding earning assets | 0.2693% | 5,291 |
| Net interest margin | 3.1831% | 4,996 |
| Noninterest income to average assets | 0.5337% | 3,247 |
| Noninterest expense to average assets | 2.6330% | 4,119 |
| Loan and lease loss provision to assets | 0.0472% | 3,365 |
| Net operating income to assets | 0.5981% | 4,365 |
| Return on assets (ROA) | 0.5981% | 4,458 |
| Pretax return on assets | 0.7760% | 4,360 |
| Return on Equity (ROE) | 6.2581% | 4,021 |
| Retained earnings to average equity (ytd only) | 4.0524% | 3,599 |
| Net charge-offs to loans | 0.2282% | 1,674 |
| Credit loss provision to net charge-offs | 42.3077% | 2,893 |
| Earnings coverage of net charge-offs (x) | 7.3846% | 2,640 |
| Efficiency ratio | 76.1836% | 2,599 |
| Assets per employee ($millions) | 3.3999% | 5,056 |
| Cash dividends to net income (ytd only)* | 35.2449% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 4,275 |
| Loan loss allowance to noncurrent loans | 62.3464% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 2,019 |
| Noncurrent loans to loans | 1.9726% | 1,716 |
| Net loans and leases to total assets | 48.2220% | 5,155 |
| Net loans and leases to deposits | 53.8702% | 5,369 |
| Net loans and leases to core deposits | 54.5759% | 5,516 |
| Total domestic deposits to total assets | 89.5152% | 1,083 |
| Equity capital to assets | 9.8029% | 4,352 |
| Core capital (leverage) ratio | 9.7011% | 4,039 |
| Tier 1 risk-based capital ratio | 17.7401% | 2,332 |
| Total risk-based capital ratio | 18.8207% | 2,366 |
| Memoranda: | ||
| Average total assets | $279,906,670 | 2,292 |
| Average earning assets | $256,983,670 | 2,304 |
| Average equity | $26,749,330 | 2,499 |
| Average total loans | $136,751,330 | 2,768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 5,567 |
| Cost of funding earning assets | 0.2731% | 5,352 |
| Net interest margin | 3.1644% | 5,035 |
| Noninterest income to average assets | 0.4649% | 3,670 |
| Noninterest expense to average assets | 2.6870% | 3,978 |
| Loan and lease loss provision to assets | 0.0014% | 3,811 |
| Net operating income to assets | 0.5377% | 4,512 |
| Return on assets (ROA) | 0.5377% | 4,588 |
| Pretax return on assets | 0.6846% | 4,539 |
| Return on Equity (ROE) | 5.6994% | 4,183 |
| Retained earnings to average equity (ytd only) | 3.5073% | 4,024 |
| Net charge-offs to loans | 0.3152% | 1,125 |
| Credit loss provision to net charge-offs | 0.9259% | 2,681 |
| Earnings coverage of net charge-offs (x) | 4.4537% | 2,525 |
| Efficiency ratio | 79.6617% | 2,251 |
| Assets per employee ($millions) | 3.3517% | 5,254 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 4,618 |
| Loan loss allowance to noncurrent loans | 54.3101% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.8026% | 1,943 |
| Noncurrent loans to loans | 2.2164% | 1,634 |
| Net loans and leases to total assets | 48.3040% | 5,082 |
| Net loans and leases to deposits | 53.4986% | 5,326 |
| Net loans and leases to core deposits | 54.1866% | 5,486 |
| Total domestic deposits to total assets | 90.2903% | 919 |
| Equity capital to assets | 9.4544% | 4,556 |
| Core capital (leverage) ratio | 9.6806% | 4,026 |
| Tier 1 risk-based capital ratio | 17.4293% | 2,500 |
| Total risk-based capital ratio | 18.4915% | 2,538 |
| Memoranda: | ||
| Average total assets | $280,463,000 | 2,297 |
| Average earning assets | $257,746,000 | 2,300 |
| Average equity | $26,459,000 | 2,514 |
| Average total loans | $137,070,000 | 2,777 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 5,428 |
| Cost of funding earning assets | 0.3179% | 5,444 |
| Net interest margin | 3.2729% | 4,763 |
| Noninterest income to average assets | 0.6016% | 3,090 |
| Noninterest expense to average assets | 2.6120% | 4,415 |
| Loan and lease loss provision to assets | 0.1034% | 3,068 |
| Net operating income to assets | 0.6841% | 3,880 |
| Return on assets (ROA) | 0.6892% | 3,943 |
| Pretax return on assets | 0.8784% | 3,858 |
| Return on Equity (ROE) | 7.1451% | 3,491 |
| Retained earnings to average equity (ytd only) | 4.5324% | 2,945 |
| Net charge-offs to loans | 0.9371% | 643 |
| Credit loss provision to net charge-offs | 22.1613% | 4,411 |
| Earnings coverage of net charge-offs (x) | 2.0908% | 4,343 |
| Efficiency ratio | 72.8134% | 3,330 |
| Assets per employee ($millions) | 3.3260% | 5,234 |
| Cash dividends to net income (ytd only)* | 36.5660% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,185 |
| Loan loss allowance to noncurrent loans | 49.3289% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 1.7438% | 2,121 |
| Noncurrent loans to loans | 2.6200% | 1,421 |
| Net loans and leases to total assets | 48.2214% | 5,272 |
| Net loans and leases to deposits | 53.3992% | 5,517 |
| Net loans and leases to core deposits | 54.5296% | 5,639 |
| Total domestic deposits to total assets | 90.3037% | 914 |
| Equity capital to assets | 9.4136% | 4,535 |
| Core capital (leverage) ratio | 9.6866% | 4,007 |
| Tier 1 risk-based capital ratio | 17.5007% | 2,413 |
| Total risk-based capital ratio | 18.6468% | 2,431 |
| Memoranda: | ||
| Average total assets | $273,779,200 | 2,319 |
| Average earning assets | $249,749,400 | 2,328 |
| Average equity | $26,409,800 | 2,510 |
| Average total loans | $136,277,800 | 2,757 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6337% | 5,343 |
| Cost of funding earning assets | 0.3280% | 5,483 |
| Net interest margin | 3.3057% | 4,614 |
| Noninterest income to average assets | 0.6089% | 3,090 |
| Noninterest expense to average assets | 2.6046% | 4,377 |
| Loan and lease loss provision to assets | 0.1278% | 2,692 |
| Net operating income to assets | 0.6965% | 3,881 |
| Return on assets (ROA) | 0.7034% | 3,976 |
| Pretax return on assets | 0.8948% | 3,911 |
| Return on Equity (ROE) | 7.2472% | 3,522 |
| Retained earnings to average equity (ytd only) | 4.9777% | 3,104 |
| Net charge-offs to loans | 0.9063% | 640 |
| Credit loss provision to net charge-offs | 28.1857% | 3,929 |
| Earnings coverage of net charge-offs (x) | 2.2365% | 4,096 |
| Efficiency ratio | 71.9832% | 3,407 |
| Assets per employee ($millions) | 3.2315% | 5,425 |
| Cash dividends to net income (ytd only)* | 31.3155% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 3,305 |
| Loan loss allowance to noncurrent loans | 57.5000% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 2.0912% | 1,911 |
| Noncurrent loans to loans | 2.6701% | 1,584 |
| Net loans and leases to total assets | 48.8683% | 5,261 |
| Net loans and leases to deposits | 54.1214% | 5,532 |
| Net loans and leases to core deposits | 55.2868% | 5,682 |
| Total domestic deposits to total assets | 90.2938% | 842 |
| Equity capital to assets | 9.3905% | 4,688 |
| Core capital (leverage) ratio | 9.8342% | 3,910 |
| Tier 1 risk-based capital ratio | 17.6206% | 2,474 |
| Total risk-based capital ratio | 18.8724% | 2,440 |
| Memoranda: | ||
| Average total assets | $272,378,000 | 2,340 |
| Average earning assets | $247,970,000 | 2,357 |
| Average equity | $26,437,250 | 2,538 |
| Average total loans | $136,225,500 | 2,768 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6393% | 5,323 |
| Cost of funding earning assets | 0.3426% | 5,467 |
| Net interest margin | 3.2968% | 4,598 |
| Noninterest income to average assets | 0.6524% | 2,902 |
| Noninterest expense to average assets | 2.5875% | 4,433 |
| Loan and lease loss provision to assets | 0.1465% | 2,502 |
| Net operating income to assets | 0.7222% | 3,709 |
| Return on assets (ROA) | 0.7327% | 3,817 |
| Pretax return on assets | 0.9293% | 3,788 |
| Return on Equity (ROE) | 7.4667% | 3,360 |
| Retained earnings to average equity (ytd only) | 5.1779% | 2,940 |
| Net charge-offs to loans | 1.4142% | 391 |
| Credit loss provision to net charge-offs | 20.6646% | 3,723 |
| Earnings coverage of net charge-offs (x) | 1.4984% | 4,033 |
| Efficiency ratio | 70.8897% | 3,661 |
| Assets per employee ($millions) | 3.3280% | 5,215 |
| Cash dividends to net income (ytd only)* | 30.6533% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,672 |
| Loan loss allowance to noncurrent loans | 54.5256% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.2106% | 1,951 |
| Noncurrent loans to loans | 2.7149% | 1,680 |
| Net loans and leases to total assets | 49.2293% | 5,197 |
| Net loans and leases to deposits | 54.8778% | 5,447 |
| Net loans and leases to core deposits | 55.3884% | 5,646 |
| Total domestic deposits to total assets | 89.7071% | 1,203 |
| Equity capital to assets | 9.8959% | 4,062 |
| Core capital (leverage) ratio | 9.7707% | 3,832 |
| Tier 1 risk-based capital ratio | 17.9162% | 2,339 |
| Total risk-based capital ratio | 19.1675% | 2,310 |
| Memoranda: | ||
| Average total assets | $271,610,330 | 2,353 |
| Average earning assets | $246,969,330 | 2,380 |
| Average equity | $26,651,670 | 2,522 |
| Average total loans | $136,192,330 | 2,771 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6632% | 5,273 |
| Cost of funding earning assets | 0.3605% | 5,445 |
| Net interest margin | 3.3027% | 4,509 |
| Noninterest income to average assets | 0.6368% | 2,951 |
| Noninterest expense to average assets | 2.6629% | 4,205 |
| Loan and lease loss provision to assets | -0.0161% | 6,746 |
| Net operating income to assets | 0.7655% | 3,355 |
| Return on assets (ROA) | 0.7864% | 3,368 |
| Pretax return on assets | 1.0006% | 3,352 |
| Return on Equity (ROE) | 8.0482% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.0482% | 1,737 |
| Net charge-offs to loans | 0.8033% | 759 |
| Credit loss provision to net charge-offs | -4.0000% | 4,951 |
| Earnings coverage of net charge-offs (x) | 2.3745% | 3,057 |
| Efficiency ratio | 73.5413% | 3,343 |
| Assets per employee ($millions) | 3.3925% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,476 |
| Loan loss allowance to noncurrent loans | 51.5215% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 2.8032% | 1,617 |
| Noncurrent loans to loans | 3.5727% | 1,337 |
| Net loans and leases to total assets | 47.9723% | 5,230 |
| Net loans and leases to deposits | 53.3309% | 5,493 |
| Net loans and leases to core deposits | 54.2597% | 5,648 |
| Total domestic deposits to total assets | 89.9521% | 1,083 |
| Equity capital to assets | 9.7589% | 4,482 |
| Core capital (leverage) ratio | 9.6072% | 3,909 |
| Tier 1 risk-based capital ratio | 18.1719% | 2,295 |
| Total risk-based capital ratio | 19.4271% | 2,262 |
| Memoranda: | ||
| Average total assets | $272,633,000 | 2,370 |
| Average earning assets | $246,344,000 | 2,409 |
| Average equity | $26,639,500 | 2,553 |
| Average total loans | $136,939,000 | 2,779 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 5,263 |
| Cost of funding earning assets | 0.4604% | 5,500 |
| Net interest margin | 3.5512% | 4,295 |
| Noninterest income to average assets | 0.5982% | 3,286 |
| Noninterest expense to average assets | 2.7935% | 4,042 |
| Loan and lease loss provision to assets | 0.1554% | 3,670 |
| Net operating income to assets | 0.7124% | 3,685 |
| Return on assets (ROA) | 0.7130% | 3,937 |
| Pretax return on assets | 0.9032% | 3,908 |
| Return on Equity (ROE) | 7.2369% | 3,506 |
| Retained earnings to average equity (ytd only) | 4.6226% | 2,972 |
| Net charge-offs to loans | 0.3142% | 3,070 |
| Credit loss provision to net charge-offs | 91.4414% | 3,415 |
| Earnings coverage of net charge-offs (x) | 6.2252% | 2,849 |
| Efficiency ratio | 72.5330% | 3,315 |
| Assets per employee ($millions) | 3.2587% | 5,497 |
| Cash dividends to net income (ytd only)* | 36.1245% | 3,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9766% | 2,083 |
| Loan loss allowance to noncurrent loans | 55.7149% | 4,840 |
| Noncurrent assets plus other real estate owned to assets | 2.8513% | 1,677 |
| Noncurrent loans to loans | 3.5478% | 1,397 |
| Net loans and leases to total assets | 50.5864% | 5,096 |
| Net loans and leases to deposits | 56.2952% | 5,417 |
| Net loans and leases to core deposits | 57.2930% | 5,609 |
| Total domestic deposits to total assets | 89.8592% | 1,034 |
| Equity capital to assets | 9.7836% | 4,475 |
| Core capital (leverage) ratio | 9.7044% | 3,795 |
| Tier 1 risk-based capital ratio | 17.6638% | 2,394 |
| Total risk-based capital ratio | 18.9217% | 2,356 |
| Memoranda: | ||
| Average total assets | $261,289,000 | 2,424 |
| Average earning assets | $239,358,600 | 2,420 |
| Average equity | $25,743,200 | 2,592 |
| Average total loans | $141,302,600 | 2,699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 5,364 |
| Cost of funding earning assets | 0.4780% | 5,578 |
| Net interest margin | 3.5713% | 4,348 |
| Noninterest income to average assets | 0.5951% | 3,310 |
| Noninterest expense to average assets | 2.7758% | 4,069 |
| Loan and lease loss provision to assets | 0.1313% | 3,909 |
| Net operating income to assets | 0.7796% | 3,547 |
| Return on assets (ROA) | 0.7804% | 3,787 |
| Pretax return on assets | 0.9812% | 3,785 |
| Return on Equity (ROE) | 7.9069% | 3,317 |
| Retained earnings to average equity (ytd only) | 5.6485% | 2,925 |
| Net charge-offs to loans | 0.1063% | 4,329 |
| Credit loss provision to net charge-offs | 225.6637% | 1,224 |
| Earnings coverage of net charge-offs (x) | 19.1065% | 1,516 |
| Efficiency ratio | 71.4078% | 3,430 |
| Assets per employee ($millions) | 3.1689% | 5,695 |
| Cash dividends to net income (ytd only)* | 28.5621% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1039% | 1,895 |
| Loan loss allowance to noncurrent loans | 49.1225% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 3.1130% | 1,667 |
| Noncurrent loans to loans | 4.2829% | 1,139 |
| Net loans and leases to total assets | 52.6300% | 4,961 |
| Net loans and leases to deposits | 58.7479% | 5,347 |
| Net loans and leases to core deposits | 59.8355% | 5,576 |
| Total domestic deposits to total assets | 89.5861% | 1,081 |
| Equity capital to assets | 10.1410% | 4,292 |
| Core capital (leverage) ratio | 9.8814% | 3,709 |
| Tier 1 risk-based capital ratio | 17.7637% | 2,440 |
| Total risk-based capital ratio | 19.0230% | 2,404 |
| Memoranda: | ||
| Average total assets | $258,993,250 | 2,472 |
| Average earning assets | $238,746,000 | 2,452 |
| Average equity | $25,563,500 | 2,634 |
| Average total loans | $141,733,000 | 2,733 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0848% | 5,371 |
| Cost of funding earning assets | 0.4953% | 5,654 |
| Net interest margin | 3.5895% | 4,305 |
| Noninterest income to average assets | 0.5218% | 3,775 |
| Noninterest expense to average assets | 2.6957% | 4,449 |
| Loan and lease loss provision to assets | 0.1430% | 3,727 |
| Net operating income to assets | 0.7935% | 3,419 |
| Return on assets (ROA) | 0.7947% | 3,664 |
| Pretax return on assets | 0.9957% | 3,726 |
| Return on Equity (ROE) | 8.1262% | 3,203 |
| Retained earnings to average equity (ytd only) | 5.8575% | 2,800 |
| Net charge-offs to loans | 0.1587% | 3,651 |
| Credit loss provision to net charge-offs | 163.7168% | 1,698 |
| Earnings coverage of net charge-offs (x) | 13.0177% | 1,830 |
| Efficiency ratio | 70.3308% | 3,707 |
| Assets per employee ($millions) | 3.1149% | 5,812 |
| Cash dividends to net income (ytd only)* | 27.9183% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 2,155 |
| Loan loss allowance to noncurrent loans | 60.7241% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.6445% | 2,097 |
| Noncurrent loans to loans | 3.3410% | 1,742 |
| Net loans and leases to total assets | 53.5699% | 4,870 |
| Net loans and leases to deposits | 59.7345% | 5,261 |
| Net loans and leases to core deposits | 60.8453% | 5,505 |
| Total domestic deposits to total assets | 89.6800% | 1,111 |
| Equity capital to assets | 9.9692% | 4,379 |
| Core capital (leverage) ratio | 9.9184% | 3,532 |
| Tier 1 risk-based capital ratio | 17.7970% | 2,366 |
| Total risk-based capital ratio | 19.0568% | 2,327 |
| Memoranda: | ||
| Average total assets | $258,709,000 | 2,476 |
| Average earning assets | $238,640,670 | 2,443 |
| Average equity | $25,301,000 | 2,633 |
| Average total loans | $142,412,000 | 2,733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 5,422 |
| Cost of funding earning assets | 0.5175% | 5,702 |
| Net interest margin | 3.5905% | 4,306 |
| Noninterest income to average assets | 0.4822% | 4,045 |
| Noninterest expense to average assets | 2.7095% | 4,389 |
| Loan and lease loss provision to assets | 0.1159% | 3,902 |
| Net operating income to assets | 0.7827% | 3,461 |
| Return on assets (ROA) | 0.7852% | 3,685 |
| Pretax return on assets | 0.9737% | 3,777 |
| Return on Equity (ROE) | 8.1071% | 3,240 |
| Retained earnings to average equity (ytd only) | 5.5058% | 3,255 |
| Net charge-offs to loans | 0.0308% | 4,254 |
| Credit loss provision to net charge-offs | 681.8182% | 512 |
| Earnings coverage of net charge-offs (x) | 63.9091% | 528 |
| Efficiency ratio | 71.3762% | 3,560 |
| Assets per employee ($millions) | 3.1064% | 5,944 |
| Cash dividends to net income (ytd only)* | 32.0866% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0176% | 2,307 |
| Loan loss allowance to noncurrent loans | 60.9418% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 2.7681% | 2,115 |
| Noncurrent loans to loans | 3.3107% | 1,925 |
| Net loans and leases to total assets | 53.8696% | 4,745 |
| Net loans and leases to deposits | 59.9807% | 5,147 |
| Net loans and leases to core deposits | 61.4356% | 5,387 |
| Total domestic deposits to total assets | 89.8116% | 1,182 |
| Equity capital to assets | 9.7746% | 4,419 |
| Core capital (leverage) ratio | 9.7894% | 3,657 |
| Tier 1 risk-based capital ratio | 17.5186% | 2,469 |
| Total risk-based capital ratio | 18.7778% | 2,436 |
| Memoranda: | ||
| Average total assets | $258,795,000 | 2,488 |
| Average earning assets | $238,851,500 | 2,459 |
| Average equity | $25,064,500 | 2,658 |
| Average total loans | $142,935,000 | 2,738 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 5,500 |
| Cost of funding earning assets | 0.7049% | 5,505 |
| Net interest margin | 3.6743% | 4,416 |
| Noninterest income to average assets | 0.4959% | 3,877 |
| Noninterest expense to average assets | 2.7474% | 4,562 |
| Loan and lease loss provision to assets | 0.3640% | 2,819 |
| Net operating income to assets | 0.6109% | 3,943 |
| Return on assets (ROA) | 0.6121% | 4,122 |
| Pretax return on assets | 0.7697% | 4,083 |
| Return on Equity (ROE) | 6.4150% | 3,688 |
| Retained earnings to average equity (ytd only) | 3.7901% | 3,520 |
| Net charge-offs to loans | 0.8609% | 2,012 |
| Credit loss provision to net charge-offs | 72.1578% | 4,768 |
| Earnings coverage of net charge-offs (x) | 2.2444% | 4,104 |
| Efficiency ratio | 70.8166% | 3,809 |
| Assets per employee ($millions) | 3.0924% | 5,912 |
| Cash dividends to net income (ytd only)* | 40.9178% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9401% | 2,450 |
| Loan loss allowance to noncurrent loans | 59.2498% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.8523% | 2,118 |
| Noncurrent loans to loans | 3.2744% | 1,979 |
| Net loans and leases to total assets | 54.4049% | 4,977 |
| Net loans and leases to deposits | 60.4528% | 5,441 |
| Net loans and leases to core deposits | 61.9052% | 5,663 |
| Total domestic deposits to total assets | 89.9957% | 998 |
| Equity capital to assets | 9.5962% | 4,748 |
| Core capital (leverage) ratio | 9.6159% | 3,839 |
| Tier 1 risk-based capital ratio | 17.1343% | 2,540 |
| Total risk-based capital ratio | 18.3930% | 2,502 |
| Memoranda: | ||
| Average total assets | $256,317,200 | 2,457 |
| Average earning assets | $236,047,800 | 2,441 |
| Average equity | $24,458,200 | 2,625 |
| Average total loans | $150,187,400 | 2,639 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 5,379 |
| Cost of funding earning assets | 0.7546% | 5,438 |
| Net interest margin | 3.7077% | 4,302 |
| Noninterest income to average assets | 0.4932% | 3,924 |
| Noninterest expense to average assets | 2.8398% | 4,191 |
| Loan and lease loss provision to assets | 0.1921% | 4,102 |
| Net operating income to assets | 0.6712% | 3,761 |
| Return on assets (ROA) | 0.6712% | 3,933 |
| Pretax return on assets | 0.8747% | 3,862 |
| Return on Equity (ROE) | 7.0442% | 3,507 |
| Retained earnings to average equity (ytd only) | 4.4861% | 3,529 |
| Net charge-offs to loans | 0.7848% | 1,988 |
| Credit loss provision to net charge-offs | 41.2094% | 5,214 |
| Earnings coverage of net charge-offs (x) | 2.2889% | 3,985 |
| Efficiency ratio | 72.6921% | 3,422 |
| Assets per employee ($millions) | 3.0886% | 5,924 |
| Cash dividends to net income (ytd only)* | 36.3142% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7932% | 2,970 |
| Loan loss allowance to noncurrent loans | 89.2167% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 2.2379% | 2,850 |
| Noncurrent loans to loans | 2.0100% | 3,352 |
| Net loans and leases to total assets | 56.2064% | 4,811 |
| Net loans and leases to deposits | 62.5892% | 5,333 |
| Net loans and leases to core deposits | 64.4169% | 5,572 |
| Total domestic deposits to total assets | 89.8021% | 975 |
| Equity capital to assets | 9.7196% | 4,746 |
| Core capital (leverage) ratio | 9.6545% | 3,911 |
| Tier 1 risk-based capital ratio | 17.0716% | 2,619 |
| Total risk-based capital ratio | 18.3287% | 2,571 |
| Memoranda: | ||
| Average total assets | $255,457,000 | 2,479 |
| Average earning assets | $235,181,750 | 2,464 |
| Average equity | $24,341,000 | 2,640 |
| Average total loans | $151,705,000 | 2,639 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 5,335 |
| Cost of funding earning assets | 0.8011% | 5,359 |
| Net interest margin | 3.7048% | 4,244 |
| Noninterest income to average assets | 0.4695% | 4,115 |
| Noninterest expense to average assets | 2.8727% | 4,135 |
| Loan and lease loss provision to assets | 0.2884% | 3,080 |
| Net operating income to assets | 0.5534% | 4,297 |
| Return on assets (ROA) | 0.5534% | 4,426 |
| Pretax return on assets | 0.7156% | 4,333 |
| Return on Equity (ROE) | 5.8470% | 4,040 |
| Retained earnings to average equity (ytd only) | 3.2548% | 4,194 |
| Net charge-offs to loans | 1.1332% | 1,379 |
| Credit loss provision to net charge-offs | 42.3475% | 4,768 |
| Earnings coverage of net charge-offs (x) | 1.4741% | 4,178 |
| Efficiency ratio | 74.1003% | 3,349 |
| Assets per employee ($millions) | 2.9970% | 6,097 |
| Cash dividends to net income (ytd only)* | 44.3343% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7727% | 3,083 |
| Loan loss allowance to noncurrent loans | 75.0212% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 2.5744% | 2,591 |
| Noncurrent loans to loans | 2.3630% | 3,027 |
| Net loans and leases to total assets | 58.4370% | 4,556 |
| Net loans and leases to deposits | 65.0446% | 5,142 |
| Net loans and leases to core deposits | 67.0559% | 5,384 |
| Total domestic deposits to total assets | 89.8414% | 1,052 |
| Equity capital to assets | 9.7169% | 4,514 |
| Core capital (leverage) ratio | 9.5692% | 3,856 |
| Tier 1 risk-based capital ratio | 16.4656% | 2,762 |
| Total risk-based capital ratio | 17.7223% | 2,716 |
| Memoranda: | ||
| Average total assets | $255,157,000 | 2,497 |
| Average earning assets | $234,670,330 | 2,481 |
| Average equity | $24,149,000 | 2,644 |
| Average total loans | $153,366,670 | 2,638 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 5,354 |
| Cost of funding earning assets | 0.8452% | 5,302 |
| Net interest margin | 3.6496% | 4,330 |
| Noninterest income to average assets | 0.5155% | 3,762 |
| Noninterest expense to average assets | 2.8607% | 4,229 |
| Loan and lease loss provision to assets | 0.1277% | 4,399 |
| Net operating income to assets | 0.6914% | 3,546 |
| Return on assets (ROA) | 0.6914% | 3,617 |
| Pretax return on assets | 0.8892% | 3,543 |
| Return on Equity (ROE) | 7.4023% | 3,196 |
| Retained earnings to average equity (ytd only) | 4.8682% | 3,273 |
| Net charge-offs to loans | 0.3016% | 2,838 |
| Credit loss provision to net charge-offs | 70.0855% | 3,352 |
| Earnings coverage of net charge-offs (x) | 5.5812% | 2,252 |
| Efficiency ratio | 73.7751% | 3,552 |
| Assets per employee ($millions) | 3.0596% | 6,033 |
| Cash dividends to net income (ytd only)* | 34.2342% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0198% | 2,360 |
| Loan loss allowance to noncurrent loans | 61.8557% | 4,323 |
| Noncurrent assets plus other real estate owned to assets | 2.9545% | 2,340 |
| Noncurrent loans to loans | 3.2653% | 2,299 |
| Net loans and leases to total assets | 59.5996% | 4,343 |
| Net loans and leases to deposits | 66.1255% | 4,954 |
| Net loans and leases to core deposits | 69.0818% | 5,155 |
| Total domestic deposits to total assets | 90.1311% | 1,076 |
| Equity capital to assets | 9.5157% | 4,408 |
| Core capital (leverage) ratio | 9.2036% | 4,282 |
| Tier 1 risk-based capital ratio | 15.8720% | 2,965 |
| Total risk-based capital ratio | 17.1319% | 2,933 |
| Memoranda: | ||
| Average total assets | $256,861,500 | 2,501 |
| Average earning assets | $236,631,000 | 2,475 |
| Average equity | $23,992,500 | 2,642 |
| Average total loans | $155,165,500 | 2,628 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 5,638 |
| Cost of funding earning assets | 1.0152% | 5,613 |
| Net interest margin | 3.7287% | 4,236 |
| Noninterest income to average assets | 0.5510% | 3,819 |
| Noninterest expense to average assets | 2.7774% | 4,684 |
| Loan and lease loss provision to assets | 0.4160% | 3,612 |
| Net operating income to assets | 0.5957% | 3,691 |
| Return on assets (ROA) | 0.6306% | 3,691 |
| Pretax return on assets | 0.8237% | 3,556 |
| Return on Equity (ROE) | 6.8555% | 3,184 |
| Retained earnings to average equity (ytd only) | 4.9507% | 2,443 |
| Net charge-offs to loans | 0.9870% | 2,211 |
| Credit loss provision to net charge-offs | 65.5597% | 5,970 |
| Earnings coverage of net charge-offs (x) | 1.8825% | 4,313 |
| Efficiency ratio | 69.9283% | 4,195 |
| Assets per employee ($millions) | 3.0562% | 5,983 |
| Cash dividends to net income (ytd only)* | 27.7847% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0249% | 2,239 |
| Loan loss allowance to noncurrent loans | 75.0714% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.5807% | 2,703 |
| Noncurrent loans to loans | 2.6973% | 2,823 |
| Net loans and leases to total assets | 58.7828% | 4,900 |
| Net loans and leases to deposits | 64.9546% | 5,520 |
| Net loans and leases to core deposits | 68.6540% | 5,590 |
| Total domestic deposits to total assets | 90.4983% | 835 |
| Equity capital to assets | 9.1695% | 4,884 |
| Core capital (leverage) ratio | 8.9146% | 4,669 |
| Tier 1 risk-based capital ratio | 15.5076% | 2,995 |
| Total risk-based capital ratio | 16.7679% | 2,954 |
| Memoranda: | ||
| Average total assets | $256,279,800 | 2,487 |
| Average earning assets | $235,124,800 | 2,476 |
| Average equity | $23,572,200 | 2,697 |
| Average total loans | $164,738,400 | 2,550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7822% | 5,731 |
| Cost of funding earning assets | 0.9861% | 6,002 |
| Net interest margin | 3.7961% | 3,985 |
| Noninterest income to average assets | 0.5638% | 3,690 |
| Noninterest expense to average assets | 2.7720% | 4,592 |
| Loan and lease loss provision to assets | 0.2746% | 4,391 |
| Net operating income to assets | 0.7625% | 3,170 |
| Return on assets (ROA) | 0.8092% | 3,108 |
| Pretax return on assets | 1.0566% | 2,977 |
| Return on Equity (ROE) | 8.7903% | 2,570 |
| Retained earnings to average equity (ytd only) | 7.1229% | 1,787 |
| Net charge-offs to loans | 1.1500% | 1,772 |
| Credit loss provision to net charge-offs | 36.5278% | 6,074 |
| Earnings coverage of net charge-offs (x) | 1.6903% | 4,434 |
| Efficiency ratio | 68.5692% | 4,357 |
| Assets per employee ($millions) | 3.1046% | 5,910 |
| Cash dividends to net income (ytd only)* | 18.9677% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 3,055 |
| Loan loss allowance to noncurrent loans | 80.6563% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 2.2581% | 3,129 |
| Noncurrent loans to loans | 2.1467% | 3,517 |
| Net loans and leases to total assets | 60.2614% | 4,856 |
| Net loans and leases to deposits | 67.3147% | 5,512 |
| Net loans and leases to core deposits | 71.5684% | 5,563 |
| Total domestic deposits to total assets | 89.5218% | 1,115 |
| Equity capital to assets | 9.1962% | 5,317 |
| Core capital (leverage) ratio | 9.0298% | 4,647 |
| Tier 1 risk-based capital ratio | 15.0564% | 3,226 |
| Total risk-based capital ratio | 16.3129% | 3,211 |
| Memoranda: | ||
| Average total assets | $255,406,000 | 2,534 |
| Average earning assets | $234,057,000 | 2,526 |
| Average equity | $23,510,250 | 2,746 |
| Average total loans | $166,958,250 | 2,558 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8488% | 5,607 |
| Cost of funding earning assets | 1.0059% | 6,104 |
| Net interest margin | 3.8429% | 3,699 |
| Noninterest income to average assets | 0.5780% | 3,489 |
| Noninterest expense to average assets | 2.7635% | 4,643 |
| Loan and lease loss provision to assets | 0.2542% | 4,390 |
| Net operating income to assets | 0.8202% | 2,876 |
| Return on assets (ROA) | 0.8900% | 2,708 |
| Pretax return on assets | 1.1735% | 2,500 |
| Return on Equity (ROE) | 9.6656% | 2,226 |
| Retained earnings to average equity (ytd only) | 8.3671% | 1,305 |
| Net charge-offs to loans | 1.3031% | 1,462 |
| Credit loss provision to net charge-offs | 29.2084% | 5,748 |
| Earnings coverage of net charge-offs (x) | 1.5350% | 4,340 |
| Efficiency ratio | 67.4136% | 4,689 |
| Assets per employee ($millions) | 3.0823% | 5,973 |
| Cash dividends to net income (ytd only)* | 13.4342% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 2,853 |
| Loan loss allowance to noncurrent loans | 90.7631% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.1714% | 3,293 |
| Noncurrent loans to loans | 1.9392% | 3,812 |
| Net loans and leases to total assets | 63.3355% | 4,387 |
| Net loans and leases to deposits | 70.7070% | 5,176 |
| Net loans and leases to core deposits | 75.4919% | 5,252 |
| Total domestic deposits to total assets | 89.5746% | 1,138 |
| Equity capital to assets | 9.1466% | 5,222 |
| Core capital (leverage) ratio | 9.2747% | 4,166 |
| Tier 1 risk-based capital ratio | 14.6849% | 3,334 |
| Total risk-based capital ratio | 15.9423% | 3,306 |
| Memoranda: | ||
| Average total assets | $252,577,330 | 2,581 |
| Average earning assets | $231,439,670 | 2,572 |
| Average equity | $23,257,670 | 2,766 |
| Average total loans | $168,668,670 | 2,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 5,628 |
| Cost of funding earning assets | 1.0178% | 6,290 |
| Net interest margin | 3.8454% | 3,593 |
| Noninterest income to average assets | 0.4843% | 4,162 |
| Noninterest expense to average assets | 2.8644% | 4,204 |
| Loan and lease loss provision to assets | 0.1764% | 4,755 |
| Net operating income to assets | 0.7766% | 3,077 |
| Return on assets (ROA) | 0.9254% | 2,514 |
| Pretax return on assets | 1.1499% | 2,553 |
| Return on Equity (ROE) | 10.0150% | 2,099 |
| Retained earnings to average equity (ytd only) | 10.0150% | 1,137 |
| Net charge-offs to loans | 1.9606% | 878 |
| Credit loss provision to net charge-offs | 13.2371% | 5,020 |
| Earnings coverage of net charge-offs (x) | 0.8556% | 4,279 |
| Efficiency ratio | 71.5258% | 4,021 |
| Assets per employee ($millions) | 2.9223% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,797 |
| Loan loss allowance to noncurrent loans | 88.5309% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 2.5162% | 2,891 |
| Noncurrent loans to loans | 2.0083% | 3,782 |
| Net loans and leases to total assets | 66.6102% | 3,722 |
| Net loans and leases to deposits | 74.5649% | 4,661 |
| Net loans and leases to core deposits | 78.7960% | 4,923 |
| Total domestic deposits to total assets | 89.3318% | 1,345 |
| Equity capital to assets | 9.3960% | 4,678 |
| Core capital (leverage) ratio | 9.2528% | 4,132 |
| Tier 1 risk-based capital ratio | 14.2209% | 3,522 |
| Total risk-based capital ratio | 15.4783% | 3,492 |
| Memoranda: | ||
| Average total assets | $249,408,500 | 2,659 |
| Average earning assets | $228,327,500 | 2,654 |
| Average equity | $23,045,500 | 2,816 |
| Average total loans | $169,541,500 | 2,620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2806% | 5,282 |
| Cost of funding earning assets | 1.4379% | 5,772 |
| Net interest margin | 3.8427% | 3,518 |
| Noninterest income to average assets | 0.6164% | 3,512 |
| Noninterest expense to average assets | 2.9599% | 4,304 |
| Loan and lease loss provision to assets | 0.9685% | 2,330 |
| Net operating income to assets | 0.2165% | 4,847 |
| Return on assets (ROA) | 0.2917% | 4,652 |
| Pretax return on assets | 0.2985% | 4,765 |
| Return on Equity (ROE) | 3.1090% | 4,457 |
| Retained earnings to average equity (ytd only) | 1.7142% | 3,881 |
| Net charge-offs to loans | 0.4694% | 3,900 |
| Credit loss provision to net charge-offs | 282.8607% | 1,193 |
| Earnings coverage of net charge-offs (x) | 3.4760% | 3,331 |
| Efficiency ratio | 71.3225% | 4,384 |
| Assets per employee ($millions) | 3.0172% | 6,182 |
| Cash dividends to net income (ytd only)* | 44.8625% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1778% | 1,690 |
| Loan loss allowance to noncurrent loans | 110.6941% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 2.1671% | 3,173 |
| Noncurrent loans to loans | 1.9674% | 3,699 |
| Net loans and leases to total assets | 66.6538% | 4,001 |
| Net loans and leases to deposits | 74.3194% | 4,988 |
| Net loans and leases to core deposits | 84.1205% | 5,701 |
| Total domestic deposits to total assets | 89.6855% | 1,116 |
| Equity capital to assets | 9.0854% | 5,007 |
| Core capital (leverage) ratio | 9.2013% | 4,118 |
| Tier 1 risk-based capital ratio | 13.5638% | 3,786 |
| Total risk-based capital ratio | 14.8262% | 3,720 |
| Memoranda: | ||
| Average total assets | $236,868,600 | 2,744 |
| Average earning assets | $217,814,200 | 2,734 |
| Average equity | $22,226,000 | 2,918 |
| Average total loans | $172,758,000 | 2,595 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 5,292 |
| Cost of funding earning assets | 1.5103% | 5,777 |
| Net interest margin | 3.8170% | 3,584 |
| Noninterest income to average assets | 0.6733% | 3,196 |
| Noninterest expense to average assets | 3.0220% | 3,962 |
| Loan and lease loss provision to assets | 0.8783% | 2,189 |
| Net operating income to assets | 0.2588% | 4,956 |
| Return on assets (ROA) | 0.3529% | 4,680 |
| Pretax return on assets | 0.3883% | 4,825 |
| Return on Equity (ROE) | 3.7293% | 4,484 |
| Retained earnings to average equity (ytd only) | 1.8587% | 4,277 |
| Net charge-offs to loans | 0.4032% | 3,641 |
| Credit loss provision to net charge-offs | 293.5115% | 1,416 |
| Earnings coverage of net charge-offs (x) | 3.8855% | 3,350 |
| Efficiency ratio | 72.2162% | 4,206 |
| Assets per employee ($millions) | 2.8361% | 6,567 |
| Cash dividends to net income (ytd only)* | 50.1614% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,072 |
| Loan loss allowance to noncurrent loans | 91.0289% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 2.3196% | 2,955 |
| Noncurrent loans to loans | 2.0701% | 3,537 |
| Net loans and leases to total assets | 70.1301% | 3,481 |
| Net loans and leases to deposits | 78.4156% | 4,678 |
| Net loans and leases to core deposits | 90.9367% | 5,342 |
| Total domestic deposits to total assets | 89.4339% | 999 |
| Equity capital to assets | 9.3271% | 4,990 |
| Core capital (leverage) ratio | 9.3340% | 4,133 |
| Tier 1 risk-based capital ratio | 13.3242% | 3,974 |
| Total risk-based capital ratio | 14.5828% | 3,915 |
| Memoranda: | ||
| Average total assets | $233,479,750 | 2,799 |
| Average earning assets | $214,785,500 | 2,791 |
| Average equity | $22,094,500 | 2,964 |
| Average total loans | $173,289,250 | 2,620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4030% | 5,140 |
| Cost of funding earning assets | 1.5465% | 5,939 |
| Net interest margin | 3.8564% | 3,311 |
| Noninterest income to average assets | 0.6772% | 3,136 |
| Noninterest expense to average assets | 3.0717% | 3,808 |
| Loan and lease loss provision to assets | 0.5274% | 2,914 |
| Net operating income to assets | 0.5282% | 3,988 |
| Return on assets (ROA) | 0.4373% | 4,457 |
| Pretax return on assets | 0.5161% | 4,565 |
| Return on Equity (ROE) | 4.5984% | 4,259 |
| Retained earnings to average equity (ytd only) | 1.7756% | 4,351 |
| Net charge-offs to loans | 0.4815% | 2,905 |
| Credit loss provision to net charge-offs | 145.6938% | 3,177 |
| Earnings coverage of net charge-offs (x) | 3.1746% | 3,535 |
| Efficiency ratio | 72.7739% | 4,252 |
| Assets per employee ($millions) | 2.8714% | 6,467 |
| Cash dividends to net income (ytd only)* | 61.3861% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 3,628 |
| Loan loss allowance to noncurrent loans | 60.9351% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.4550% | 2,626 |
| Noncurrent loans to loans | 2.3286% | 3,105 |
| Net loans and leases to total assets | 70.6604% | 3,540 |
| Net loans and leases to deposits | 79.2651% | 4,663 |
| Net loans and leases to core deposits | 92.2454% | 5,319 |
| Total domestic deposits to total assets | 89.1445% | 1,201 |
| Equity capital to assets | 9.3291% | 4,829 |
| Core capital (leverage) ratio | 9.5230% | 3,853 |
| Tier 1 risk-based capital ratio | 13.3593% | 3,894 |
| Total risk-based capital ratio | 14.6116% | 3,829 |
| Memoranda: | ||
| Average total assets | $230,949,000 | 2,850 |
| Average earning assets | $212,216,670 | 2,839 |
| Average equity | $21,964,330 | 2,974 |
| Average total loans | $173,615,330 | 2,651 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5010% | 4,907 |
| Cost of funding earning assets | 1.5846% | 6,094 |
| Net interest margin | 3.9164% | 2,986 |
| Noninterest income to average assets | 0.6847% | 2,975 |
| Noninterest expense to average assets | 3.0608% | 3,515 |
| Loan and lease loss provision to assets | 0.6231% | 2,028 |
| Net operating income to assets | 0.4427% | 4,678 |
| Return on assets (ROA) | 0.3696% | 5,159 |
| Pretax return on assets | 0.4946% | 5,094 |
| Return on Equity (ROE) | 3.8480% | 5,006 |
| Retained earnings to average equity (ytd only) | 0.6413% | 5,404 |
| Net charge-offs to loans | 0.1074% | 4,111 |
| Credit loss provision to net charge-offs | 753.1915% | 791 |
| Earnings coverage of net charge-offs (x) | 14.6596% | 1,650 |
| Efficiency ratio | 71.6227% | 4,249 |
| Assets per employee ($millions) | 2.6461% | 6,985 |
| Cash dividends to net income (ytd only)* | 83.3333% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 3,227 |
| Loan loss allowance to noncurrent loans | 64.9284% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 2.5061% | 2,297 |
| Noncurrent loans to loans | 2.2343% | 2,946 |
| Net loans and leases to total assets | 75.8243% | 2,309 |
| Net loans and leases to deposits | 85.3478% | 3,745 |
| Net loans and leases to core deposits | 96.5547% | 4,893 |
| Total domestic deposits to total assets | 88.8415% | 1,310 |
| Equity capital to assets | 9.6073% | 4,518 |
| Core capital (leverage) ratio | 9.6675% | 3,795 |
| Tier 1 risk-based capital ratio | 13.0691% | 4,145 |
| Total risk-based capital ratio | 14.3220% | 4,053 |
| Memoranda: | ||
| Average total assets | $227,258,500 | 2,902 |
| Average earning assets | $208,252,500 | 2,908 |
| Average equity | $21,829,500 | 3,000 |
| Average total loans | $175,008,500 | 2,655 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1473% | 4,789 |
| Cost of funding earning assets | 1.9318% | 6,635 |
| Net interest margin | 4.2156% | 2,252 |
| Noninterest income to average assets | 0.3736% | 5,705 |
| Noninterest expense to average assets | 3.0908% | 3,733 |
| Loan and lease loss provision to assets | 0.4386% | 3,093 |
| Net operating income to assets | 0.5860% | 4,365 |
| Return on assets (ROA) | 0.3545% | 5,139 |
| Pretax return on assets | 0.4125% | 5,224 |
| Return on Equity (ROE) | 3.5458% | 5,019 |
| Retained earnings to average equity (ytd only) | -3.5724% | 6,240 |
| Net charge-offs to loans | 0.3866% | 2,891 |
| Credit loss provision to net charge-offs | 150.3794% | 3,488 |
| Earnings coverage of net charge-offs (x) | 3.8407% | 4,210 |
| Efficiency ratio | 73.3971% | 3,680 |
| Assets per employee ($millions) | 2.6086% | 6,987 |
| Cash dividends to net income (ytd only)* | 200.7491% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 3,953 |
| Loan loss allowance to noncurrent loans | 65.4263% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.1613% | 2,264 |
| Noncurrent loans to loans | 1.9511% | 2,829 |
| Net loans and leases to total assets | 76.0930% | 2,598 |
| Net loans and leases to deposits | 85.7063% | 4,158 |
| Net loans and leases to core deposits | 95.4469% | 5,303 |
| Total domestic deposits to total assets | 88.7834% | 1,119 |
| Equity capital to assets | 9.6039% | 4,537 |
| Core capital (leverage) ratio | 9.8510% | 3,587 |
| Tier 1 risk-based capital ratio | 13.1856% | 4,006 |
| Total risk-based capital ratio | 14.4368% | 3,917 |
| Memoranda: | ||
| Average total assets | $225,929,600 | 2,820 |
| Average earning assets | $205,666,400 | 2,827 |
| Average equity | $22,590,000 | 2,896 |
| Average total loans | $170,471,000 | 2,606 |