Home > Edison National Bank > Performance and Condition Ratios
Edison National 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 | 4.2636% | 4,111 |
| Cost of funding earning assets | 1.0105% | 3,981 |
| Net interest margin | 3.2531% | 2,883 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 2.6610% | 1,866 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5927% | 3,368 |
| Return on assets (ROA) | 0.5927% | 3,378 |
| Pretax return on assets | 0.5927% | 3,586 |
| Return on Equity (ROE) | 7.3900% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.3894% | 1,870 |
| Net charge-offs to loans | 0.0026% | 2,213 |
| Credit loss provision to net charge-offs | 3,400.0000% | 126 |
| Earnings coverage of net charge-offs (x) | 643.0000% | 153 |
| Efficiency ratio | 81.7847% | 826 |
| Assets per employee ($millions) | 9.3919% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4649% | 1,110 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 34.9100% | 4,112 |
| Net loans and leases to deposits | 39.9070% | 4,130 |
| Net loans and leases to core deposits | 40.9634% | 4,148 |
| Total domestic deposits to total assets | 87.4800% | 1,745 |
| Equity capital to assets | 8.0495% | 3,566 |
| Core capital (leverage) ratio | 9.0321% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5847% | 293 |
| Memoranda: | ||
| Average total assets | $433,968,000 | 1,973 |
| Average earning assets | $413,263,000 | 1,935 |
| Average equity | $34,806,500 | 2,238 |
| Average total loans | $156,737,500 | 2,705 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 3,894 |
| Cost of funding earning assets | 0.8189% | 4,160 |
| Net interest margin | 3.6594% | 1,764 |
| Noninterest income to average assets | 0.3000% | 3,060 |
| Noninterest expense to average assets | 2.5978% | 2,022 |
| Loan and lease loss provision to assets | -0.0600% | 4,293 |
| Net operating income to assets | 1.2433% | 1,407 |
| Return on assets (ROA) | 1.2433% | 1,416 |
| Pretax return on assets | 1.2433% | 1,888 |
| Return on Equity (ROE) | 16.3200% | 747 |
| Retained earnings to average equity (ytd only) | 6.1805% | 1,752 |
| Net charge-offs to loans | 0.0039% | 2,829 |
| Credit loss provision to net charge-offs | -1,650.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 857.1667% | 156 |
| Efficiency ratio | 68.6536% | 2,157 |
| Assets per employee ($millions) | 9.0748% | 1,043 |
| Cash dividends to net income (ytd only)* | 62.1406% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 36.3000% | 4,108 |
| Net loans and leases to deposits | 41.2331% | 4,129 |
| Net loans and leases to core deposits | 42.4280% | 4,160 |
| Total domestic deposits to total assets | 88.0400% | 1,501 |
| Equity capital to assets | 7.9906% | 3,516 |
| Core capital (leverage) ratio | 9.0308% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9158% | 338 |
| Memoranda: | ||
| Average total assets | $433,604,400 | 1,952 |
| Average earning assets | $412,498,600 | 1,907 |
| Average equity | $33,023,400 | 2,257 |
| Average total loans | $153,814,800 | 2,691 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 3,802 |
| Cost of funding earning assets | 0.7794% | 4,210 |
| Net interest margin | 3.7487% | 1,545 |
| Noninterest income to average assets | 0.3200% | 2,913 |
| Noninterest expense to average assets | 2.4692% | 2,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.4136% | 1,071 |
| Return on assets (ROA) | 1.4136% | 1,072 |
| Pretax return on assets | 1.4136% | 1,479 |
| Return on Equity (ROE) | 18.7900% | 508 |
| Retained earnings to average equity (ytd only) | 10.2402% | 797 |
| Net charge-offs to loans | 0.0044% | 2,543 |
| Credit loss provision to net charge-offs | 2,620.0000% | 182 |
| Earnings coverage of net charge-offs (x) | 923.2000% | 134 |
| Efficiency ratio | 63.5933% | 2,759 |
| Assets per employee ($millions) | 8.8201% | 1,133 |
| Cash dividends to net income (ytd only)* | 45.4939% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 838 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 36.9100% | 4,117 |
| Net loans and leases to deposits | 42.2397% | 4,150 |
| Net loans and leases to core deposits | 43.3452% | 4,183 |
| Total domestic deposits to total assets | 87.3800% | 1,462 |
| Equity capital to assets | 8.3424% | 3,498 |
| Core capital (leverage) ratio | 9.0342% | 3,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4531% | 329 |
| Memoranda: | ||
| Average total assets | $435,376,500 | 1,940 |
| Average earning assets | $414,136,750 | 1,906 |
| Average equity | $32,759,000 | 2,263 |
| Average total loans | $152,996,750 | 2,693 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5004% | 3,782 |
| Cost of funding earning assets | 0.7340% | 4,232 |
| Net interest margin | 3.7664% | 1,484 |
| Noninterest income to average assets | 0.3600% | 2,636 |
| Noninterest expense to average assets | 2.4227% | 2,458 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.5129% | 893 |
| Return on assets (ROA) | 1.5129% | 896 |
| Pretax return on assets | 1.5129% | 1,258 |
| Return on Equity (ROE) | 20.8100% | 405 |
| Retained earnings to average equity (ytd only) | 13.0385% | 441 |
| Net charge-offs to loans | 0.0066% | 2,178 |
| Credit loss provision to net charge-offs | 2,040.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 669.2000% | 178 |
| Efficiency ratio | 61.5579% | 3,043 |
| Assets per employee ($millions) | 8.8805% | 1,047 |
| Cash dividends to net income (ytd only)* | 37.3580% | 1,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 35.6400% | 4,164 |
| Net loans and leases to deposits | 40.6528% | 4,188 |
| Net loans and leases to core deposits | 41.5398% | 4,209 |
| Total domestic deposits to total assets | 87.6600% | 1,434 |
| Equity capital to assets | 7.8221% | 3,548 |
| Core capital (leverage) ratio | 8.5608% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0576% | 336 |
| Memoranda: | ||
| Average total assets | $442,321,000 | 1,916 |
| Average earning assets | $420,449,333 | 1,881 |
| Average equity | $32,151,000 | 2,261 |
| Average total loans | $152,168,000 | 2,694 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 3,849 |
| Cost of funding earning assets | 0.6751% | 4,265 |
| Net interest margin | 3.7161% | 1,500 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 2.3644% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5375% | 842 |
| Return on assets (ROA) | 1.5375% | 853 |
| Pretax return on assets | 1.5375% | 1,197 |
| Return on Equity (ROE) | 21.9400% | 341 |
| Retained earnings to average equity (ytd only) | 21.9426% | 139 |
| Net charge-offs to loans | 0.0053% | 1,926 |
| Credit loss provision to net charge-offs | 700.0000% | 423 |
| Earnings coverage of net charge-offs (x) | 865.5000% | 115 |
| Efficiency ratio | 60.5964% | 3,199 |
| Assets per employee ($millions) | 9.9057% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5732% | 902 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 32.6100% | 4,225 |
| Net loans and leases to deposits | 37.0617% | 4,245 |
| Net loans and leases to core deposits | 37.9533% | 4,306 |
| Total domestic deposits to total assets | 87.9900% | 1,421 |
| Equity capital to assets | 7.1498% | 3,836 |
| Core capital (leverage) ratio | 8.4185% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5514% | 360 |
| Memoranda: | ||
| Average total assets | $450,349,000 | 1,888 |
| Average earning assets | $427,757,500 | 1,854 |
| Average equity | $31,555,000 | 2,289 |
| Average total loans | $151,070,500 | 2,695 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 3,618 |
| Cost of funding earning assets | 0.1940% | 4,445 |
| Net interest margin | 4.0083% | 1,192 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.3193% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.0798% | 411 |
| Return on assets (ROA) | 2.0798% | 401 |
| Pretax return on assets | 2.0798% | 595 |
| Return on Equity (ROE) | 31.8900% | 155 |
| Retained earnings to average equity (ytd only) | -3.3270% | 4,344 |
| Net charge-offs to loans | -0.4454% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.7216% | 3,775 |
| Assets per employee ($millions) | 9.6747% | 779 |
| Cash dividends to net income (ytd only)* | 110.4337% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 33.4400% | 4,223 |
| Net loans and leases to deposits | 37.9225% | 4,243 |
| Net loans and leases to core deposits | 38.8208% | 4,302 |
| Total domestic deposits to total assets | 88.1700% | 1,296 |
| Equity capital to assets | 6.8603% | 3,987 |
| Core capital (leverage) ratio | 8.0343% | 4,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6722% | 386 |
| Memoranda: | ||
| Average total assets | $481,097,600 | 1,770 |
| Average earning assets | $459,746,200 | 1,731 |
| Average equity | $31,379,400 | 2,206 |
| Average total loans | $153,124,400 | 2,652 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1723% | 3,520 |
| Cost of funding earning assets | 0.1206% | 4,500 |
| Net interest margin | 4.0517% | 1,146 |
| Noninterest income to average assets | 0.6800% | 1,252 |
| Noninterest expense to average assets | 2.3276% | 2,710 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.2266% | 363 |
| Return on assets (ROA) | 2.2266% | 355 |
| Pretax return on assets | 2.2266% | 542 |
| Return on Equity (ROE) | 34.5400% | 165 |
| Retained earnings to average equity (ytd only) | -1.9625% | 4,316 |
| Net charge-offs to loans | -0.5893% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 51.1081% | 3,825 |
| Assets per employee ($millions) | 9.8401% | 706 |
| Cash dividends to net income (ytd only)* | 105.6811% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 1,020 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 33.3900% | 4,254 |
| Net loans and leases to deposits | 37.9307% | 4,256 |
| Net loans and leases to core deposits | 38.8014% | 4,281 |
| Total domestic deposits to total assets | 88.0300% | 1,564 |
| Equity capital to assets | 6.7037% | 3,754 |
| Core capital (leverage) ratio | 8.0314% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8419% | 391 |
| Memoranda: | ||
| Average total assets | $490,113,000 | 1,746 |
| Average earning assets | $468,635,750 | 1,713 |
| Average equity | $31,591,500 | 2,184 |
| Average total loans | $153,612,250 | 2,654 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 3,371 |
| Cost of funding earning assets | 0.0636% | 4,541 |
| Net interest margin | 4.0989% | 1,089 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.3215% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3748% | 282 |
| Return on assets (ROA) | 2.3748% | 276 |
| Pretax return on assets | 2.3748% | 420 |
| Return on Equity (ROE) | 37.2900% | 126 |
| Retained earnings to average equity (ytd only) | 19.1706% | 278 |
| Net charge-offs to loans | -0.8838% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.4323% | 3,975 |
| Assets per employee ($millions) | 10.3169% | 608 |
| Cash dividends to net income (ytd only)* | 48.5925% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 1,047 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 32.4200% | 4,274 |
| Net loans and leases to deposits | 36.3848% | 4,289 |
| Net loans and leases to core deposits | 37.0983% | 4,311 |
| Total domestic deposits to total assets | 89.1000% | 1,221 |
| Equity capital to assets | 7.2108% | 3,683 |
| Core capital (leverage) ratio | 8.0272% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8680% | 319 |
| Memoranda: | ||
| Average total assets | $502,603,000 | 1,722 |
| Average earning assets | $481,010,667 | 1,686 |
| Average equity | $32,007,333 | 2,186 |
| Average total loans | $153,651,333 | 2,641 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,441 |
| Cost of funding earning assets | 0.0400% | 4,590 |
| Net interest margin | 3.9677% | 1,330 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.0254% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9219% | 553 |
| Return on assets (ROA) | 1.9219% | 546 |
| Pretax return on assets | 1.9219% | 882 |
| Return on Equity (ROE) | 32.0700% | 199 |
| Retained earnings to average equity (ytd only) | 32.0665% | 97 |
| Net charge-offs to loans | -0.0052% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.3109% | 3,828 |
| Assets per employee ($millions) | 12.0450% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 3,010 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 28.0900% | 4,403 |
| Net loans and leases to deposits | 31.3554% | 4,419 |
| Net loans and leases to core deposits | 31.8423% | 4,429 |
| Total domestic deposits to total assets | 89.5700% | 1,309 |
| Equity capital to assets | 6.1989% | 4,138 |
| Core capital (leverage) ratio | 7.5153% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7891% | 320 |
| Memoranda: | ||
| Average total assets | $521,773,500 | 1,700 |
| Average earning assets | $500,444,500 | 1,651 |
| Average equity | $31,272,500 | 2,238 |
| Average total loans | $154,044,000 | 2,670 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4622% | 4,516 |
| Cost of funding earning assets | 0.0216% | 4,622 |
| Net interest margin | 2.4405% | 4,333 |
| Noninterest income to average assets | 0.1300% | 4,308 |
| Noninterest expense to average assets | 1.8272% | 3,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6519% | 3,752 |
| Return on assets (ROA) | 0.6519% | 3,704 |
| Pretax return on assets | 0.6519% | 3,944 |
| Return on Equity (ROE) | 10.7400% | 2,569 |
| Retained earnings to average equity (ytd only) | -2.2621% | 4,495 |
| Net charge-offs to loans | 0.0743% | 902 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 30.4397% | 1,676 |
| Efficiency ratio | 73.7042% | 1,241 |
| Assets per employee ($millions) | 11.6720% | 430 |
| Cash dividends to net income (ytd only)* | 121.0705% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,016 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 30.2900% | 4,385 |
| Net loans and leases to deposits | 33.2310% | 4,408 |
| Net loans and leases to core deposits | 33.7734% | 4,420 |
| Total domestic deposits to total assets | 91.1500% | 897 |
| Equity capital to assets | 5.7815% | 4,158 |
| Core capital (leverage) ratio | 7.1338% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8285% | 428 |
| Memoranda: | ||
| Average total assets | $541,651,400 | 1,629 |
| Average earning assets | $522,385,600 | 1,576 |
| Average equity | $32,889,800 | 2,202 |
| Average total loans | $156,131,200 | 2,577 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1146% | 4,584 |
| Cost of funding earning assets | 0.0214% | 4,659 |
| Net interest margin | 2.0932% | 4,521 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.6189% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5679% | 3,916 |
| Return on assets (ROA) | 0.5679% | 3,871 |
| Pretax return on assets | 0.5679% | 4,038 |
| Return on Equity (ROE) | 9.2500% | 2,956 |
| Retained earnings to average equity (ytd only) | 3.2136% | 3,725 |
| Net charge-offs to loans | 0.0993% | 617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 20.1466% | 1,710 |
| Efficiency ratio | 74.0304% | 1,273 |
| Assets per employee ($millions) | 10.7967% | 528 |
| Cash dividends to net income (ytd only)* | 65.2546% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,141 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 30.5900% | 4,407 |
| Net loans and leases to deposits | 33.8379% | 4,424 |
| Net loans and leases to core deposits | 34.3201% | 4,437 |
| Total domestic deposits to total assets | 90.4000% | 1,472 |
| Equity capital to assets | 6.0592% | 3,944 |
| Core capital (leverage) ratio | 7.1211% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7319% | 395 |
| Memoranda: | ||
| Average total assets | $548,672,500 | 1,621 |
| Average earning assets | $530,208,000 | 1,566 |
| Average equity | $33,689,250 | 2,203 |
| Average total loans | $155,772,500 | 2,581 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7781% | 4,668 |
| Cost of funding earning assets | 0.0206% | 4,716 |
| Net interest margin | 1.7575% | 4,641 |
| Noninterest income to average assets | 0.1643% | 4,188 |
| Noninterest expense to average assets | 1.5355% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3272% | 4,239 |
| Return on assets (ROA) | 0.3272% | 4,192 |
| Pretax return on assets | 0.3272% | 4,261 |
| Return on Equity (ROE) | 5.3072% | 3,753 |
| Retained earnings to average equity (ytd only) | 4.5861% | 2,850 |
| Net charge-offs to loans | -0.0039% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4360% | 767 |
| Assets per employee ($millions) | 12.0144% | 379 |
| Cash dividends to net income (ytd only)* | 13.5870% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 28.5712% | 4,502 |
| Net loans and leases to deposits | 31.7607% | 4,507 |
| Net loans and leases to core deposits | 32.1779% | 4,532 |
| Total domestic deposits to total assets | 89.9577% | 1,723 |
| Equity capital to assets | 5.9470% | 4,218 |
| Core capital (leverage) ratio | 6.8518% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6114% | 394 |
| Memoranda: | ||
| Average total assets | $562,414,333 | 1,593 |
| Average earning assets | $543,510,000 | 1,542 |
| Average equity | $34,670,000 | 2,210 |
| Average total loans | $155,287,333 | 2,593 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5420% | 4,715 |
| Cost of funding earning assets | 0.0204% | 4,734 |
| Net interest margin | 1.5216% | 4,693 |
| Noninterest income to average assets | 0.1678% | 4,161 |
| Noninterest expense to average assets | 1.4737% | 4,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1671% | 4,381 |
| Return on assets (ROA) | 0.1671% | 4,350 |
| Pretax return on assets | 0.1671% | 4,366 |
| Return on Equity (ROE) | 2.6651% | 4,158 |
| Retained earnings to average equity (ytd only) | 2.6651% | 3,372 |
| Net charge-offs to loans | -0.0052% | 3,353 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8152% | 556 |
| Assets per employee ($millions) | 12.8078% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3664% | 2,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 26.6262% | 4,541 |
| Net loans and leases to deposits | 29.6228% | 4,560 |
| Net loans and leases to core deposits | 29.8967% | 4,582 |
| Total domestic deposits to total assets | 89.8842% | 1,635 |
| Equity capital to assets | 5.9979% | 4,586 |
| Core capital (leverage) ratio | 6.8074% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4218% | 360 |
| Memoranda: | ||
| Average total assets | $567,291,000 | 1,588 |
| Average earning assets | $549,150,500 | 1,533 |
| Average equity | $35,571,500 | 2,237 |
| Average total loans | $152,916,500 | 2,610 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9816% | 4,683 |
| Cost of funding earning assets | 0.0325% | 4,750 |
| Net interest margin | 1.9491% | 4,624 |
| Noninterest income to average assets | 0.2101% | 4,114 |
| Noninterest expense to average assets | 1.6428% | 4,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4517% | 4,181 |
| Return on assets (ROA) | 0.4517% | 4,226 |
| Pretax return on assets | 0.4517% | 4,328 |
| Return on Equity (ROE) | 6.3964% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.8336% | 2,427 |
| Net charge-offs to loans | -0.0019% | 3,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4325% | 912 |
| Assets per employee ($millions) | 12.6870% | 340 |
| Cash dividends to net income (ytd only)* | 8.7989% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4137% | 1,876 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 26.5343% | 4,609 |
| Net loans and leases to deposits | 29.3103% | 4,636 |
| Net loans and leases to core deposits | 29.6785% | 4,649 |
| Total domestic deposits to total assets | 90.5288% | 704 |
| Equity capital to assets | 6.5518% | 4,784 |
| Core capital (leverage) ratio | 6.8050% | 4,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7476% | 322 |
| Memoranda: | ||
| Average total assets | $503,172,400 | 1,691 |
| Average earning assets | $486,470,600 | 1,646 |
| Average equity | $35,535,800 | 2,265 |
| Average total loans | $154,912,000 | 2,589 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0965% | 4,744 |
| Cost of funding earning assets | 0.0361% | 4,827 |
| Net interest margin | 2.0603% | 4,647 |
| Noninterest income to average assets | 0.2147% | 4,112 |
| Noninterest expense to average assets | 1.6648% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5389% | 4,121 |
| Return on assets (ROA) | 0.5389% | 4,165 |
| Pretax return on assets | 0.5389% | 4,314 |
| Return on Equity (ROE) | 7.4760% | 3,541 |
| Retained earnings to average equity (ytd only) | 7.0036% | 2,418 |
| Net charge-offs to loans | -0.0017% | 3,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5470% | 1,071 |
| Assets per employee ($millions) | 12.2297% | 350 |
| Cash dividends to net income (ytd only)* | 6.3195% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 2,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 28.5527% | 4,627 |
| Net loans and leases to deposits | 31.8115% | 4,675 |
| Net loans and leases to core deposits | 32.2190% | 4,688 |
| Total domestic deposits to total assets | 89.7560% | 890 |
| Equity capital to assets | 7.0184% | 4,807 |
| Core capital (leverage) ratio | 7.0726% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5695% | 356 |
| Memoranda: | ||
| Average total assets | $489,408,250 | 1,740 |
| Average earning assets | $472,468,750 | 1,695 |
| Average equity | $35,276,250 | 2,305 |
| Average total loans | $156,078,500 | 2,620 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1837% | 4,764 |
| Cost of funding earning assets | 0.0396% | 4,857 |
| Net interest margin | 2.1441% | 4,632 |
| Noninterest income to average assets | 0.2221% | 4,076 |
| Noninterest expense to average assets | 1.6834% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6043% | 3,976 |
| Return on assets (ROA) | 0.6043% | 4,029 |
| Pretax return on assets | 0.6043% | 4,229 |
| Return on Equity (ROE) | 8.3035% | 3,314 |
| Retained earnings to average equity (ytd only) | 8.1595% | 2,022 |
| Net charge-offs to loans | -0.0038% | 3,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5849% | 1,280 |
| Assets per employee ($millions) | 12.0090% | 349 |
| Cash dividends to net income (ytd only)* | 1.7337% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.8273% | 4,653 |
| Net loans and leases to deposits | 33.2168% | 4,700 |
| Net loans and leases to core deposits | 33.6398% | 4,719 |
| Total domestic deposits to total assets | 89.7957% | 873 |
| Equity capital to assets | 6.8823% | 4,866 |
| Core capital (leverage) ratio | 7.1736% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2713% | 368 |
| Memoranda: | ||
| Average total assets | $477,252,333 | 1,767 |
| Average earning assets | $459,771,667 | 1,723 |
| Average equity | $34,732,333 | 2,327 |
| Average total loans | $157,346,333 | 2,619 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3727% | 4,726 |
| Cost of funding earning assets | 0.0471% | 4,876 |
| Net interest margin | 2.3256% | 4,495 |
| Noninterest income to average assets | 0.2400% | 3,958 |
| Noninterest expense to average assets | 1.7738% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6978% | 3,710 |
| Return on assets (ROA) | 0.6978% | 3,773 |
| Pretax return on assets | 0.6978% | 4,024 |
| Return on Equity (ROE) | 9.2937% | 2,926 |
| Retained earnings to average equity (ytd only) | 9.2937% | 1,863 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7664% | 1,522 |
| Assets per employee ($millions) | 11.2505% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 2,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 32.0827% | 4,631 |
| Net loans and leases to deposits | 36.2896% | 4,670 |
| Net loans and leases to core deposits | 36.8027% | 4,692 |
| Total domestic deposits to total assets | 88.4075% | 1,654 |
| Equity capital to assets | 7.3775% | 4,751 |
| Core capital (leverage) ratio | 8.0169% | 4,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9468% | 324 |
| Memoranda: | ||
| Average total assets | $451,680,500 | 1,836 |
| Average earning assets | $433,435,000 | 1,796 |
| Average equity | $33,915,500 | 2,353 |
| Average total loans | $156,154,500 | 2,634 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9999% | 4,635 |
| Cost of funding earning assets | 0.0668% | 4,921 |
| Net interest margin | 2.9331% | 4,051 |
| Noninterest income to average assets | 0.2408% | 4,057 |
| Noninterest expense to average assets | 2.1792% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8564% | 2,878 |
| Return on assets (ROA) | 0.8564% | 3,011 |
| Pretax return on assets | 0.8564% | 3,490 |
| Return on Equity (ROE) | 10.8335% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.8335% | 453 |
| Net charge-offs to loans | -0.0605% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7880% | 1,702 |
| Assets per employee ($millions) | 9.5361% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 2,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 36.4308% | 4,576 |
| Net loans and leases to deposits | 41.1008% | 4,630 |
| Net loans and leases to core deposits | 41.7716% | 4,655 |
| Total domestic deposits to total assets | 88.6377% | 1,148 |
| Equity capital to assets | 7.6601% | 4,810 |
| Core capital (leverage) ratio | 8.0366% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1400% | 427 |
| Memoranda: | ||
| Average total assets | $369,217,200 | 1,958 |
| Average earning assets | $351,810,200 | 1,932 |
| Average equity | $29,187,200 | 2,527 |
| Average total loans | $155,402,200 | 2,614 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0826% | 4,673 |
| Cost of funding earning assets | 0.0738% | 4,965 |
| Net interest margin | 3.0088% | 3,952 |
| Noninterest income to average assets | 0.2415% | 4,035 |
| Noninterest expense to average assets | 2.2660% | 3,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8427% | 2,940 |
| Return on assets (ROA) | 0.8427% | 3,067 |
| Pretax return on assets | 0.8427% | 3,535 |
| Return on Equity (ROE) | 10.5638% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.5638% | 663 |
| Net charge-offs to loans | -0.0797% | 4,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8924% | 1,540 |
| Assets per employee ($millions) | 8.8937% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.3025% | 4,350 |
| Net loans and leases to deposits | 51.2597% | 4,439 |
| Net loans and leases to core deposits | 52.0433% | 4,526 |
| Total domestic deposits to total assets | 88.3784% | 1,021 |
| Equity capital to assets | 8.2153% | 4,626 |
| Core capital (leverage) ratio | 8.0513% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7020% | 535 |
| Memoranda: | ||
| Average total assets | $356,624,000 | 1,998 |
| Average earning assets | $339,837,250 | 1,959 |
| Average equity | $28,448,750 | 2,562 |
| Average total loans | $155,507,500 | 2,617 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1970% | 4,721 |
| Cost of funding earning assets | 0.0800% | 4,997 |
| Net interest margin | 3.1170% | 3,868 |
| Noninterest income to average assets | 0.2467% | 3,994 |
| Noninterest expense to average assets | 2.3551% | 3,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8650% | 2,825 |
| Return on assets (ROA) | 0.8650% | 2,944 |
| Pretax return on assets | 0.8650% | 3,415 |
| Return on Equity (ROE) | 10.9592% | 1,644 |
| Retained earnings to average equity (ytd only) | 10.9592% | 611 |
| Net charge-offs to loans | -0.1211% | 4,876 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1375% | 1,549 |
| Assets per employee ($millions) | 8.9026% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,283 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 44.9182% | 4,410 |
| Net loans and leases to deposits | 50.6448% | 4,506 |
| Net loans and leases to core deposits | 51.5057% | 4,585 |
| Total domestic deposits to total assets | 88.6925% | 867 |
| Equity capital to assets | 8.0254% | 4,703 |
| Core capital (leverage) ratio | 8.0381% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4800% | 542 |
| Memoranda: | ||
| Average total assets | $350,986,667 | 1,994 |
| Average earning assets | $334,813,667 | 1,961 |
| Average equity | $27,702,667 | 2,603 |
| Average total loans | $150,230,000 | 2,654 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1684% | 4,885 |
| Cost of funding earning assets | 0.0914% | 5,051 |
| Net interest margin | 3.0769% | 4,140 |
| Noninterest income to average assets | 0.2639% | 3,955 |
| Noninterest expense to average assets | 2.2832% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9142% | 2,473 |
| Return on assets (ROA) | 0.9142% | 2,583 |
| Pretax return on assets | 0.9142% | 3,101 |
| Return on Equity (ROE) | 11.6911% | 1,198 |
| Retained earnings to average equity (ytd only) | 11.6911% | 458 |
| Net charge-offs to loans | -0.2537% | 4,969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4075% | 2,168 |
| Assets per employee ($millions) | 8.7029% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5105% | 1,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 38.6475% | 4,709 |
| Net loans and leases to deposits | 43.7176% | 4,767 |
| Net loans and leases to core deposits | 44.6429% | 4,801 |
| Total domestic deposits to total assets | 88.4026% | 927 |
| Equity capital to assets | 7.8174% | 4,999 |
| Core capital (leverage) ratio | 8.0360% | 4,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0201% | 746 |
| Memoranda: | ||
| Average total assets | $339,524,500 | 2,001 |
| Average earning assets | $323,701,500 | 1,959 |
| Average equity | $26,550,000 | 2,668 |
| Average total loans | $140,309,500 | 2,722 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 4,877 |
| Cost of funding earning assets | 0.0968% | 5,110 |
| Net interest margin | 3.3684% | 3,832 |
| Noninterest income to average assets | 0.3212% | 3,767 |
| Noninterest expense to average assets | 2.4034% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1352% | 2,310 |
| Return on assets (ROA) | 1.1352% | 2,410 |
| Pretax return on assets | 1.1352% | 3,055 |
| Return on Equity (ROE) | 14.3090% | 840 |
| Retained earnings to average equity (ytd only) | 1.5331% | 4,191 |
| Net charge-offs to loans | 0.0028% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 896.0000% | 115 |
| Efficiency ratio | 67.9198% | 2,474 |
| Assets per employee ($millions) | 7.6721% | 806 |
| Cash dividends to net income (ytd only)* | 89.2857% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 1,391 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 43.0054% | 4,639 |
| Net loans and leases to deposits | 48.4872% | 4,728 |
| Net loans and leases to core deposits | 49.2979% | 4,770 |
| Total domestic deposits to total assets | 88.6944% | 798 |
| Equity capital to assets | 7.8224% | 5,076 |
| Core capital (leverage) ratio | 8.0405% | 5,023 |
| Tier 1 risk-based capital ratio | 18.5164% | 1,625 |
| Total risk-based capital ratio | 19.7697% | 1,599 |
| Memoranda: | ||
| Average total assets | $315,724,000 | 2,067 |
| Average earning assets | $301,571,200 | 2,011 |
| Average equity | $25,047,200 | 2,714 |
| Average total loans | $144,627,600 | 2,666 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 4,950 |
| Cost of funding earning assets | 0.0969% | 5,187 |
| Net interest margin | 3.4178% | 3,814 |
| Noninterest income to average assets | 0.3205% | 3,829 |
| Noninterest expense to average assets | 2.4293% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1559% | 2,341 |
| Return on assets (ROA) | 1.1559% | 2,431 |
| Pretax return on assets | 1.1559% | 3,116 |
| Return on Equity (ROE) | 14.5180% | 882 |
| Retained earnings to average equity (ytd only) | 0.9224% | 4,587 |
| Net charge-offs to loans | -0.0027% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7599% | 2,461 |
| Assets per employee ($millions) | 7.3662% | 894 |
| Cash dividends to net income (ytd only)* | 93.6467% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 45.7447% | 4,616 |
| Net loans and leases to deposits | 51.8921% | 4,711 |
| Net loans and leases to core deposits | 52.8240% | 4,783 |
| Total domestic deposits to total assets | 88.1536% | 973 |
| Equity capital to assets | 8.2804% | 5,072 |
| Core capital (leverage) ratio | 8.0504% | 5,107 |
| Tier 1 risk-based capital ratio | 18.0114% | 1,810 |
| Total risk-based capital ratio | 19.2640% | 1,764 |
| Memoranda: | ||
| Average total assets | $314,097,750 | 2,089 |
| Average earning assets | $300,032,750 | 2,033 |
| Average equity | $25,007,500 | 2,732 |
| Average total loans | $145,634,000 | 2,689 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5019% | 5,006 |
| Cost of funding earning assets | 0.0849% | 5,241 |
| Net interest margin | 3.4170% | 3,842 |
| Noninterest income to average assets | 0.3294% | 3,738 |
| Noninterest expense to average assets | 2.4374% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1561% | 2,306 |
| Return on assets (ROA) | 1.1561% | 2,375 |
| Pretax return on assets | 1.1561% | 3,054 |
| Return on Equity (ROE) | 14.7077% | 826 |
| Retained earnings to average equity (ytd only) | 9.1093% | 1,000 |
| Net charge-offs to loans | -0.0027% | 4,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8272% | 2,566 |
| Assets per employee ($millions) | 7.6987% | 745 |
| Cash dividends to net income (ytd only)* | 38.0642% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 44.7523% | 4,690 |
| Net loans and leases to deposits | 50.9791% | 4,771 |
| Net loans and leases to core deposits | 51.8087% | 4,821 |
| Total domestic deposits to total assets | 87.7857% | 1,202 |
| Equity capital to assets | 8.2171% | 5,138 |
| Core capital (leverage) ratio | 8.0356% | 5,157 |
| Tier 1 risk-based capital ratio | 18.3494% | 1,709 |
| Total risk-based capital ratio | 19.6019% | 1,668 |
| Memoranda: | ||
| Average total assets | $318,125,330 | 2,060 |
| Average earning assets | $303,895,330 | 2,015 |
| Average equity | $25,007,330 | 2,723 |
| Average total loans | $147,449,000 | 2,685 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4678% | 5,068 |
| Cost of funding earning assets | 0.0708% | 5,314 |
| Net interest margin | 3.3970% | 3,895 |
| Noninterest income to average assets | 0.3069% | 3,824 |
| Noninterest expense to average assets | 2.4511% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0997% | 2,470 |
| Return on assets (ROA) | 1.0997% | 2,518 |
| Pretax return on assets | 1.0997% | 3,151 |
| Return on Equity (ROE) | 14.3099% | 898 |
| Retained earnings to average equity (ytd only) | 14.3099% | 328 |
| Net charge-offs to loans | -0.0027% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0300% | 2,496 |
| Assets per employee ($millions) | 7.6082% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,751 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 43.3548% | 4,769 |
| Net loans and leases to deposits | 49.1878% | 4,843 |
| Net loans and leases to core deposits | 49.9386% | 4,894 |
| Total domestic deposits to total assets | 88.1414% | 1,263 |
| Equity capital to assets | 7.5899% | 5,251 |
| Core capital (leverage) ratio | 8.0373% | 5,197 |
| Tier 1 risk-based capital ratio | 18.1019% | 1,770 |
| Total risk-based capital ratio | 19.3544% | 1,726 |
| Memoranda: | ||
| Average total assets | $319,365,000 | 2,063 |
| Average earning assets | $304,979,000 | 2,024 |
| Average equity | $24,542,500 | 2,757 |
| Average total loans | $149,528,000 | 2,694 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 5,104 |
| Cost of funding earning assets | 0.0543% | 5,359 |
| Net interest margin | 3.2100% | 4,468 |
| Noninterest income to average assets | 0.3134% | 4,023 |
| Noninterest expense to average assets | 2.3376% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0413% | 2,841 |
| Return on assets (ROA) | 1.0413% | 2,828 |
| Pretax return on assets | 1.0413% | 3,474 |
| Return on Equity (ROE) | 13.4499% | 1,192 |
| Retained earnings to average equity (ytd only) | -1.8341% | 5,121 |
| Net charge-offs to loans | -0.0471% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1813% | 2,352 |
| Assets per employee ($millions) | 7.2374% | 887 |
| Cash dividends to net income (ytd only)* | 113.6364% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 1,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 49.3011% | 4,566 |
| Net loans and leases to deposits | 55.6321% | 4,679 |
| Net loans and leases to core deposits | 56.5023% | 4,764 |
| Total domestic deposits to total assets | 88.6199% | 1,017 |
| Equity capital to assets | 7.7893% | 5,222 |
| Core capital (leverage) ratio | 8.0321% | 5,227 |
| Tier 1 risk-based capital ratio | 16.7241% | 2,161 |
| Total risk-based capital ratio | 17.9758% | 2,105 |
| Memoranda: | ||
| Average total assets | $312,671,800 | 2,076 |
| Average earning assets | $298,593,600 | 2,026 |
| Average equity | $24,208,400 | 2,706 |
| Average total loans | $150,604,200 | 2,633 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2054% | 5,195 |
| Cost of funding earning assets | 0.0510% | 5,431 |
| Net interest margin | 3.1545% | 4,608 |
| Noninterest income to average assets | 0.3108% | 4,064 |
| Noninterest expense to average assets | 2.2779% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0464% | 2,883 |
| Return on assets (ROA) | 1.0464% | 2,893 |
| Pretax return on assets | 1.0464% | 3,585 |
| Return on Equity (ROE) | 13.5350% | 1,254 |
| Retained earnings to average equity (ytd only) | 1.7583% | 4,654 |
| Net charge-offs to loans | -0.0568% | 4,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5223% | 2,439 |
| Assets per employee ($millions) | 7.2983% | 839 |
| Cash dividends to net income (ytd only)* | 87.0096% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 49.9950% | 4,595 |
| Net loans and leases to deposits | 56.8024% | 4,710 |
| Net loans and leases to core deposits | 57.8679% | 4,793 |
| Total domestic deposits to total assets | 88.0156% | 1,233 |
| Equity capital to assets | 8.0787% | 5,151 |
| Core capital (leverage) ratio | 8.0335% | 5,310 |
| Tier 1 risk-based capital ratio | 17.1970% | 2,025 |
| Total risk-based capital ratio | 18.4482% | 1,974 |
| Memoranda: | ||
| Average total assets | $314,847,500 | 2,083 |
| Average earning assets | $300,773,750 | 2,029 |
| Average equity | $24,341,250 | 2,706 |
| Average total loans | $150,282,750 | 2,654 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0964% | 5,288 |
| Cost of funding earning assets | 0.0490% | 5,489 |
| Net interest margin | 3.0473% | 4,815 |
| Noninterest income to average assets | 0.3056% | 4,131 |
| Noninterest expense to average assets | 2.2490% | 4,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9686% | 3,148 |
| Return on assets (ROA) | 0.9686% | 3,152 |
| Pretax return on assets | 0.9686% | 3,755 |
| Return on Equity (ROE) | 12.7065% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.7065% | 425 |
| Net charge-offs to loans | -0.0080% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8971% | 2,329 |
| Assets per employee ($millions) | 8.0281% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 45.8721% | 4,832 |
| Net loans and leases to deposits | 52.0806% | 4,909 |
| Net loans and leases to core deposits | 52.9663% | 4,960 |
| Total domestic deposits to total assets | 88.0791% | 1,333 |
| Equity capital to assets | 7.7451% | 5,309 |
| Core capital (leverage) ratio | 8.0476% | 5,330 |
| Tier 1 risk-based capital ratio | 17.8133% | 1,855 |
| Total risk-based capital ratio | 19.0642% | 1,817 |
| Memoranda: | ||
| Average total assets | $320,053,330 | 2,064 |
| Average earning assets | $305,842,670 | 2,016 |
| Average equity | $24,397,000 | 2,713 |
| Average total loans | $149,836,000 | 2,665 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0117% | 5,365 |
| Cost of funding earning assets | 0.0505% | 5,553 |
| Net interest margin | 2.9613% | 4,931 |
| Noninterest income to average assets | 0.2865% | 4,256 |
| Noninterest expense to average assets | 2.2808% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8330% | 3,582 |
| Return on assets (ROA) | 0.8330% | 3,597 |
| Pretax return on assets | 0.8330% | 4,074 |
| Return on Equity (ROE) | 11.0193% | 1,958 |
| Retained earnings to average equity (ytd only) | 11.0193% | 891 |
| Net charge-offs to loans | -0.0081% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2492% | 2,007 |
| Assets per employee ($millions) | 7.7993% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 2,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.1267% | 4,842 |
| Net loans and leases to deposits | 51.1596% | 4,919 |
| Net loans and leases to core deposits | 52.0322% | 4,978 |
| Total domestic deposits to total assets | 88.2077% | 1,500 |
| Equity capital to assets | 7.4567% | 5,427 |
| Core capital (leverage) ratio | 8.0420% | 5,380 |
| Tier 1 risk-based capital ratio | 17.5154% | 1,970 |
| Total risk-based capital ratio | 18.7671% | 1,924 |
| Memoranda: | ||
| Average total assets | $315,504,000 | 2,101 |
| Average earning assets | $301,221,500 | 2,053 |
| Average equity | $23,849,000 | 2,790 |
| Average total loans | $148,277,000 | 2,709 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 5,371 |
| Cost of funding earning assets | 0.0449% | 5,623 |
| Net interest margin | 2.9379% | 4,991 |
| Noninterest income to average assets | 0.3930% | 3,683 |
| Noninterest expense to average assets | 2.3674% | 4,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8285% | 3,041 |
| Return on assets (ROA) | 0.8285% | 3,079 |
| Pretax return on assets | 0.8285% | 4,172 |
| Return on Equity (ROE) | 10.5657% | 1,652 |
| Retained earnings to average equity (ytd only) | 1.5241% | 4,388 |
| Net charge-offs to loans | -0.0384% | 5,122 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0756% | 1,882 |
| Assets per employee ($millions) | 7.4010% | 809 |
| Cash dividends to net income (ytd only)* | 85.5746% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,053 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.7236% | 4,788 |
| Net loans and leases to deposits | 53.6718% | 4,911 |
| Net loans and leases to core deposits | 54.6630% | 4,977 |
| Total domestic deposits to total assets | 88.9174% | 1,039 |
| Equity capital to assets | 7.6694% | 5,497 |
| Core capital (leverage) ratio | 8.0158% | 5,433 |
| Tier 1 risk-based capital ratio | 16.6904% | 2,206 |
| Total risk-based capital ratio | 17.9425% | 2,151 |
| Memoranda: | ||
| Average total assets | $296,186,000 | 2,191 |
| Average earning assets | $282,582,600 | 2,141 |
| Average equity | $23,226,200 | 2,834 |
| Average total loans | $145,972,200 | 2,699 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9686% | 5,433 |
| Cost of funding earning assets | 0.0451% | 5,689 |
| Net interest margin | 2.9235% | 5,059 |
| Noninterest income to average assets | 0.4063% | 3,644 |
| Noninterest expense to average assets | 2.3715% | 4,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8243% | 3,415 |
| Return on assets (ROA) | 0.8243% | 3,450 |
| Pretax return on assets | 0.8243% | 4,287 |
| Return on Equity (ROE) | 10.4529% | 1,928 |
| Retained earnings to average equity (ytd only) | 1.2636% | 4,899 |
| Net charge-offs to loans | -0.0485% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2063% | 1,863 |
| Assets per employee ($millions) | 6.9651% | 969 |
| Cash dividends to net income (ytd only)* | 87.9119% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.9430% | 4,647 |
| Net loans and leases to deposits | 57.9821% | 4,758 |
| Net loans and leases to core deposits | 59.2555% | 4,854 |
| Total domestic deposits to total assets | 87.8600% | 1,439 |
| Equity capital to assets | 8.1746% | 5,449 |
| Core capital (leverage) ratio | 8.0350% | 5,505 |
| Tier 1 risk-based capital ratio | 16.6675% | 2,261 |
| Total risk-based capital ratio | 17.9194% | 2,214 |
| Memoranda: | ||
| Average total assets | $294,372,750 | 2,213 |
| Average earning assets | $280,884,750 | 2,169 |
| Average equity | $23,214,750 | 2,858 |
| Average total loans | $145,772,500 | 2,718 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8841% | 5,517 |
| Cost of funding earning assets | 0.0451% | 5,730 |
| Net interest margin | 2.8390% | 5,189 |
| Noninterest income to average assets | 0.3592% | 3,991 |
| Noninterest expense to average assets | 2.3619% | 4,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7063% | 3,820 |
| Return on assets (ROA) | 0.7063% | 3,884 |
| Pretax return on assets | 0.7063% | 4,530 |
| Return on Equity (ROE) | 9.0628% | 2,481 |
| Retained earnings to average equity (ytd only) | 6.9050% | 1,637 |
| Net charge-offs to loans | -0.0069% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9787% | 1,587 |
| Assets per employee ($millions) | 7.0865% | 892 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2940% | 2,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 4,973 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 48.8978% | 4,772 |
| Net loans and leases to deposits | 55.6338% | 4,864 |
| Net loans and leases to core deposits | 56.7049% | 4,966 |
| Total domestic deposits to total assets | 87.8922% | 1,512 |
| Equity capital to assets | 8.0471% | 5,516 |
| Core capital (leverage) ratio | 8.0151% | 5,518 |
| Tier 1 risk-based capital ratio | 17.1833% | 2,108 |
| Total risk-based capital ratio | 18.4341% | 2,051 |
| Memoranda: | ||
| Average total assets | $297,307,670 | 2,202 |
| Average earning assets | $283,695,670 | 2,153 |
| Average equity | $23,171,670 | 2,863 |
| Average total loans | $145,219,000 | 2,727 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8175% | 5,590 |
| Cost of funding earning assets | 0.0451% | 5,795 |
| Net interest margin | 2.7724% | 5,298 |
| Noninterest income to average assets | 0.3392% | 4,131 |
| Noninterest expense to average assets | 2.3692% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6152% | 4,089 |
| Return on assets (ROA) | 0.6152% | 4,143 |
| Pretax return on assets | 0.6152% | 4,697 |
| Return on Equity (ROE) | 8.0239% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.0239% | 1,451 |
| Net charge-offs to loans | -0.0083% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3866% | 1,445 |
| Assets per employee ($millions) | 7.2429% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 2,374 |
| Loan loss allowance to noncurrent loans | 1,500.7874% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 4,656 |
| Noncurrent loans to loans | 0.0888% | 4,837 |
| Net loans and leases to total assets | 46.3808% | 4,920 |
| Net loans and leases to deposits | 52.5843% | 5,008 |
| Net loans and leases to core deposits | 53.5657% | 5,085 |
| Total domestic deposits to total assets | 88.2029% | 1,594 |
| Equity capital to assets | 7.6864% | 5,632 |
| Core capital (leverage) ratio | 8.0240% | 5,551 |
| Tier 1 risk-based capital ratio | 17.7317% | 1,967 |
| Total risk-based capital ratio | 18.9842% | 1,920 |
| Memoranda: | ||
| Average total assets | $297,144,000 | 2,225 |
| Average earning assets | $283,513,000 | 2,174 |
| Average equity | $22,782,000 | 2,918 |
| Average total loans | $144,106,000 | 2,763 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7664% | 5,661 |
| Cost of funding earning assets | 0.0473% | 5,845 |
| Net interest margin | 2.7191% | 5,398 |
| Noninterest income to average assets | 0.3978% | 3,904 |
| Noninterest expense to average assets | 2.3721% | 4,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6186% | 4,133 |
| Return on assets (ROA) | 0.6256% | 4,220 |
| Pretax return on assets | 0.6256% | 4,719 |
| Return on Equity (ROE) | 7.8926% | 3,003 |
| Retained earnings to average equity (ytd only) | -0.3197% | 5,353 |
| Net charge-offs to loans | -0.0393% | 5,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3151% | 1,508 |
| Assets per employee ($millions) | 6.9068% | 961 |
| Cash dividends to net income (ytd only)* | 104.0511% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 2,491 |
| Loan loss allowance to noncurrent loans | 634.3333% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 4,692 |
| Noncurrent loans to loans | 0.2066% | 4,418 |
| Net loans and leases to total assets | 49.4031% | 4,804 |
| Net loans and leases to deposits | 55.5811% | 4,936 |
| Net loans and leases to core deposits | 56.5641% | 5,027 |
| Total domestic deposits to total assets | 88.8847% | 1,165 |
| Equity capital to assets | 7.6467% | 5,681 |
| Core capital (leverage) ratio | 8.0216% | 5,609 |
| Tier 1 risk-based capital ratio | 16.9079% | 2,184 |
| Total risk-based capital ratio | 18.1603% | 2,133 |
| Memoranda: | ||
| Average total assets | $288,054,000 | 2,233 |
| Average earning assets | $274,688,400 | 2,180 |
| Average equity | $22,831,600 | 2,906 |
| Average total loans | $137,265,600 | 2,810 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7391% | 5,747 |
| Cost of funding earning assets | 0.0482% | 5,909 |
| Net interest margin | 2.6910% | 5,501 |
| Noninterest income to average assets | 0.4136% | 3,826 |
| Noninterest expense to average assets | 2.4005% | 4,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5782% | 4,375 |
| Return on assets (ROA) | 0.5875% | 4,451 |
| Pretax return on assets | 0.5875% | 4,908 |
| Return on Equity (ROE) | 7.3467% | 3,381 |
| Retained earnings to average equity (ytd only) | -0.0464% | 5,359 |
| Net charge-offs to loans | -0.0512% | 5,379 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5884% | 1,363 |
| Assets per employee ($millions) | 6.6353% | 1,030 |
| Cash dividends to net income (ytd only)* | 100.6316% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 2,467 |
| Loan loss allowance to noncurrent loans | 395.2183% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 3,918 |
| Noncurrent loans to loans | 0.3401% | 4,037 |
| Net loans and leases to total assets | 50.0678% | 4,817 |
| Net loans and leases to deposits | 56.9717% | 4,934 |
| Net loans and leases to core deposits | 58.1181% | 5,048 |
| Total domestic deposits to total assets | 87.8820% | 1,460 |
| Equity capital to assets | 8.2631% | 5,641 |
| Core capital (leverage) ratio | 8.0428% | 5,664 |
| Tier 1 risk-based capital ratio | 17.5207% | 2,070 |
| Total risk-based capital ratio | 18.7738% | 2,033 |
| Memoranda: | ||
| Average total assets | $287,545,750 | 2,239 |
| Average earning assets | $274,097,000 | 2,197 |
| Average equity | $22,994,000 | 2,912 |
| Average total loans | $135,278,250 | 2,846 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6673% | 5,851 |
| Cost of funding earning assets | 0.0469% | 5,994 |
| Net interest margin | 2.6204% | 5,652 |
| Noninterest income to average assets | 0.4399% | 3,593 |
| Noninterest expense to average assets | 2.4207% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5198% | 4,602 |
| Return on assets (ROA) | 0.5336% | 4,660 |
| Pretax return on assets | 0.5336% | 5,064 |
| Return on Equity (ROE) | 6.7442% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.3511% | 3,148 |
| Net charge-offs to loans | -0.0225% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3226% | 1,234 |
| Assets per employee ($millions) | 6.6903% | 1,008 |
| Cash dividends to net income (ytd only)* | 35.4839% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 2,529 |
| Loan loss allowance to noncurrent loans | 387.5260% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3639% | 4,027 |
| Noncurrent loans to loans | 0.3485% | 4,124 |
| Net loans and leases to total assets | 47.3339% | 5,045 |
| Net loans and leases to deposits | 53.7836% | 5,150 |
| Net loans and leases to core deposits | 54.8031% | 5,237 |
| Total domestic deposits to total assets | 88.0080% | 1,431 |
| Equity capital to assets | 8.1391% | 5,759 |
| Core capital (leverage) ratio | 8.0279% | 5,711 |
| Tier 1 risk-based capital ratio | 18.4398% | 1,813 |
| Total risk-based capital ratio | 19.6924% | 1,775 |
| Memoranda: | ||
| Average total assets | $290,499,670 | 2,243 |
| Average earning assets | $277,212,000 | 2,186 |
| Average equity | $22,982,670 | 2,924 |
| Average total loans | $133,227,000 | 2,881 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6126% | 5,930 |
| Cost of funding earning assets | 0.0474% | 6,056 |
| Net interest margin | 2.5652% | 5,752 |
| Noninterest income to average assets | 0.3412% | 4,288 |
| Noninterest expense to average assets | 2.3542% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4330% | 4,887 |
| Return on assets (ROA) | 0.4604% | 4,864 |
| Pretax return on assets | 0.4604% | 5,185 |
| Return on Equity (ROE) | 5.9034% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.9034% | 2,422 |
| Net charge-offs to loans | -0.0031% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4641% | 1,118 |
| Assets per employee ($millions) | 7.1408% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4124% | 2,367 |
| Loan loss allowance to noncurrent loans | 383.0228% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.3498% | 4,167 |
| Noncurrent loans to loans | 0.3688% | 4,113 |
| Net loans and leases to total assets | 43.0552% | 5,294 |
| Net loans and leases to deposits | 48.5926% | 5,400 |
| Net loans and leases to core deposits | 49.4711% | 5,461 |
| Total domestic deposits to total assets | 88.6044% | 1,303 |
| Equity capital to assets | 7.7359% | 5,901 |
| Core capital (leverage) ratio | 8.0092% | 5,768 |
| Tier 1 risk-based capital ratio | 19.4121% | 1,628 |
| Total risk-based capital ratio | 20.6659% | 1,599 |
| Memoranda: | ||
| Average total assets | $291,907,500 | 2,237 |
| Average earning assets | $278,346,000 | 2,190 |
| Average equity | $22,766,500 | 2,952 |
| Average total loans | $130,822,500 | 2,920 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6954% | 5,938 |
| Cost of funding earning assets | 0.0510% | 6,104 |
| Net interest margin | 2.6443% | 5,715 |
| Noninterest income to average assets | 0.3532% | 4,380 |
| Noninterest expense to average assets | 2.4328% | 4,430 |
| Loan and lease loss provision to assets | -0.1707% | 5,953 |
| Net operating income to assets | 0.6025% | 4,255 |
| Return on assets (ROA) | 0.6286% | 4,234 |
| Pretax return on assets | 0.6286% | 4,752 |
| Return on Equity (ROE) | 7.9636% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.1262% | 1,730 |
| Net charge-offs to loans | -0.0438% | 5,516 |
| Credit loss provision to net charge-offs | 815.7895% | 419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9269% | 1,096 |
| Assets per employee ($millions) | 6.7595% | 980 |
| Cash dividends to net income (ytd only)* | 23.0724% | 3,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,354 |
| Loan loss allowance to noncurrent loans | 382.8157% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.3695% | 4,116 |
| Noncurrent loans to loans | 0.3696% | 4,122 |
| Net loans and leases to total assets | 45.3741% | 5,202 |
| Net loans and leases to deposits | 50.7381% | 5,350 |
| Net loans and leases to core deposits | 51.7016% | 5,425 |
| Total domestic deposits to total assets | 89.4280% | 897 |
| Equity capital to assets | 7.8662% | 5,897 |
| Core capital (leverage) ratio | 8.0100% | 5,833 |
| Tier 1 risk-based capital ratio | 18.9289% | 1,719 |
| Total risk-based capital ratio | 20.1829% | 1,685 |
| Memoranda: | ||
| Average total assets | $272,357,200 | 2,321 |
| Average earning assets | $258,665,400 | 2,273 |
| Average equity | $21,497,800 | 3,026 |
| Average total loans | $130,105,600 | 2,888 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7075% | 6,017 |
| Cost of funding earning assets | 0.0516% | 6,191 |
| Net interest margin | 2.6559% | 5,781 |
| Noninterest income to average assets | 0.3592% | 4,367 |
| Noninterest expense to average assets | 2.3982% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4809% | 4,855 |
| Return on assets (ROA) | 0.5161% | 4,822 |
| Pretax return on assets | 0.5161% | 5,182 |
| Return on Equity (ROE) | 6.5321% | 3,886 |
| Retained earnings to average equity (ytd only) | 4.6532% | 3,166 |
| Net charge-offs to loans | 0.0390% | 3,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 25.5767% | 1,657 |
| Efficiency ratio | 83.2961% | 1,234 |
| Assets per employee ($millions) | 6.7240% | 975 |
| Cash dividends to net income (ytd only)* | 28.7632% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 1,495 |
| Loan loss allowance to noncurrent loans | 137.5697% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 2,849 |
| Noncurrent loans to loans | 1.2291% | 2,079 |
| Net loans and leases to total assets | 46.7971% | 5,170 |
| Net loans and leases to deposits | 52.5723% | 5,336 |
| Net loans and leases to core deposits | 53.5166% | 5,433 |
| Total domestic deposits to total assets | 89.0147% | 1,021 |
| Equity capital to assets | 7.9543% | 5,973 |
| Core capital (leverage) ratio | 8.0418% | 5,879 |
| Tier 1 risk-based capital ratio | 18.7740% | 1,830 |
| Total risk-based capital ratio | 20.0323% | 1,798 |
| Memoranda: | ||
| Average total assets | $269,471,500 | 2,363 |
| Average earning assets | $255,677,000 | 2,310 |
| Average equity | $21,289,250 | 3,065 |
| Average total loans | $129,965,500 | 2,906 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7259% | 6,064 |
| Cost of funding earning assets | 0.0514% | 6,269 |
| Net interest margin | 2.6745% | 5,798 |
| Noninterest income to average assets | 0.3897% | 4,156 |
| Noninterest expense to average assets | 2.4495% | 4,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4720% | 4,884 |
| Return on assets (ROA) | 0.5251% | 4,770 |
| Pretax return on assets | 0.5251% | 5,161 |
| Return on Equity (ROE) | 6.6616% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.6616% | 1,871 |
| Net charge-offs to loans | 0.1760% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.5351% | 2,912 |
| Efficiency ratio | 83.8454% | 1,278 |
| Assets per employee ($millions) | 6.3983% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6399% | 1,788 |
| Loan loss allowance to noncurrent loans | 615.8046% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 4,436 |
| Noncurrent loans to loans | 0.2663% | 4,714 |
| Net loans and leases to total assets | 47.8300% | 5,122 |
| Net loans and leases to deposits | 54.2169% | 5,241 |
| Net loans and leases to core deposits | 55.3447% | 5,350 |
| Total domestic deposits to total assets | 88.2196% | 1,535 |
| Equity capital to assets | 8.0915% | 5,937 |
| Core capital (leverage) ratio | 8.0315% | 5,914 |
| Tier 1 risk-based capital ratio | 18.7860% | 1,845 |
| Total risk-based capital ratio | 20.0432% | 1,812 |
| Memoranda: | ||
| Average total assets | $267,400,000 | 2,394 |
| Average earning assets | $253,132,000 | 2,346 |
| Average equity | $21,076,000 | 3,101 |
| Average total loans | $129,543,330 | 2,922 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7167% | 6,123 |
| Cost of funding earning assets | 0.0523% | 6,342 |
| Net interest margin | 2.6643% | 5,844 |
| Noninterest income to average assets | 0.4004% | 4,002 |
| Noninterest expense to average assets | 2.4878% | 4,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4319% | 4,939 |
| Return on assets (ROA) | 0.4799% | 4,882 |
| Pretax return on assets | 0.4799% | 5,229 |
| Return on Equity (ROE) | 6.1711% | 3,947 |
| Retained earnings to average equity (ytd only) | 6.1711% | 2,391 |
| Net charge-offs to loans | 0.3691% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.4202% | 2,762 |
| Efficiency ratio | 85.2080% | 1,253 |
| Assets per employee ($millions) | 6.7448% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 1,900 |
| Loan loss allowance to noncurrent loans | 605.6657% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 4,583 |
| Noncurrent loans to loans | 0.2716% | 4,809 |
| Net loans and leases to total assets | 46.2211% | 5,186 |
| Net loans and leases to deposits | 51.8420% | 5,342 |
| Net loans and leases to core deposits | 52.9344% | 5,430 |
| Total domestic deposits to total assets | 89.1577% | 1,168 |
| Equity capital to assets | 7.7497% | 6,114 |
| Core capital (leverage) ratio | 8.0369% | 5,921 |
| Tier 1 risk-based capital ratio | 18.4977% | 2,006 |
| Total risk-based capital ratio | 19.7552% | 1,953 |
| Memoranda: | ||
| Average total assets | $266,736,500 | 2,414 |
| Average earning assets | $252,220,000 | 2,372 |
| Average equity | $20,742,000 | 3,160 |
| Average total loans | $128,977,500 | 2,922 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7943% | 6,208 |
| Cost of funding earning assets | 0.0594% | 6,422 |
| Net interest margin | 2.7349% | 5,891 |
| Noninterest income to average assets | 0.4244% | 4,011 |
| Noninterest expense to average assets | 2.5850% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4187% | 5,157 |
| Return on assets (ROA) | 0.4848% | 4,959 |
| Pretax return on assets | 0.4848% | 5,287 |
| Return on Equity (ROE) | 6.0356% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.0185% | 5,312 |
| Net charge-offs to loans | 0.2565% | 1,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.3089% | 3,924 |
| Efficiency ratio | 86.0593% | 1,164 |
| Assets per employee ($millions) | 6.2667% | 1,208 |
| Cash dividends to net income (ytd only)* | 83.1255% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,619 |
| Loan loss allowance to noncurrent loans | 386.4726% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 4,227 |
| Noncurrent loans to loans | 0.4563% | 4,282 |
| Net loans and leases to total assets | 48.9388% | 5,073 |
| Net loans and leases to deposits | 54.8704% | 5,260 |
| Net loans and leases to core deposits | 56.1981% | 5,369 |
| Total domestic deposits to total assets | 89.1899% | 1,127 |
| Equity capital to assets | 7.8047% | 6,142 |
| Core capital (leverage) ratio | 8.0794% | 5,944 |
| Tier 1 risk-based capital ratio | 17.5158% | 2,310 |
| Total risk-based capital ratio | 18.7713% | 2,275 |
| Memoranda: | ||
| Average total assets | $248,120,800 | 2,544 |
| Average earning assets | $234,009,800 | 2,479 |
| Average equity | $19,931,600 | 3,166 |
| Average total loans | $122,402,400 | 2,992 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8043% | 6,279 |
| Cost of funding earning assets | 0.0615% | 6,500 |
| Net interest margin | 2.7428% | 5,949 |
| Noninterest income to average assets | 0.4370% | 3,978 |
| Noninterest expense to average assets | 2.5558% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4668% | 5,007 |
| Return on assets (ROA) | 0.5557% | 4,732 |
| Pretax return on assets | 0.5557% | 5,164 |
| Return on Equity (ROE) | 6.8671% | 3,779 |
| Retained earnings to average equity (ytd only) | 3.5173% | 4,138 |
| Net charge-offs to loans | 0.3735% | 1,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.5398% | 3,888 |
| Efficiency ratio | 84.5561% | 1,322 |
| Assets per employee ($millions) | 6.1988% | 1,202 |
| Cash dividends to net income (ytd only)* | 48.7806% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 1,685 |
| Loan loss allowance to noncurrent loans | 157.8501% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8893% | 3,215 |
| Noncurrent loans to loans | 1.1421% | 2,773 |
| Net loans and leases to total assets | 50.2889% | 4,975 |
| Net loans and leases to deposits | 57.4103% | 5,146 |
| Net loans and leases to core deposits | 59.1084% | 5,255 |
| Total domestic deposits to total assets | 87.5957% | 1,983 |
| Equity capital to assets | 8.3585% | 5,902 |
| Core capital (leverage) ratio | 8.2358% | 5,897 |
| Tier 1 risk-based capital ratio | 18.0163% | 2,205 |
| Total risk-based capital ratio | 19.2719% | 2,159 |
| Memoranda: | ||
| Average total assets | $245,917,250 | 2,576 |
| Average earning assets | $231,829,500 | 2,522 |
| Average equity | $19,901,250 | 3,181 |
| Average total loans | $121,003,500 | 3,036 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7915% | 6,342 |
| Cost of funding earning assets | 0.0610% | 6,566 |
| Net interest margin | 2.7305% | 6,015 |
| Noninterest income to average assets | 0.4488% | 3,880 |
| Noninterest expense to average assets | 2.5677% | 4,358 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4521% | 5,007 |
| Return on assets (ROA) | 0.5604% | 4,648 |
| Pretax return on assets | 0.5604% | 5,096 |
| Return on Equity (ROE) | 7.0002% | 3,623 |
| Retained earnings to average equity (ytd only) | 7.0002% | 1,778 |
| Net charge-offs to loans | 0.1099% | 2,569 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.4697% | 2,490 |
| Efficiency ratio | 85.0295% | 1,379 |
| Assets per employee ($millions) | 6.2142% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0951% | 1,180 |
| Loan loss allowance to noncurrent loans | 175.5431% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 3,279 |
| Noncurrent loans to loans | 1.1935% | 2,847 |
| Net loans and leases to total assets | 47.0939% | 5,255 |
| Net loans and leases to deposits | 53.9648% | 5,362 |
| Net loans and leases to core deposits | 55.8828% | 5,424 |
| Total domestic deposits to total assets | 87.2678% | 2,313 |
| Equity capital to assets | 8.2485% | 5,992 |
| Core capital (leverage) ratio | 8.0249% | 6,081 |
| Tier 1 risk-based capital ratio | 18.8085% | 1,974 |
| Total risk-based capital ratio | 20.0716% | 1,934 |
| Memoranda: | ||
| Average total assets | $247,304,670 | 2,568 |
| Average earning assets | $232,847,670 | 2,516 |
| Average equity | $19,799,330 | 3,194 |
| Average total loans | $120,068,670 | 3,060 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8081% | 6,393 |
| Cost of funding earning assets | 0.0603% | 6,647 |
| Net interest margin | 2.7478% | 6,033 |
| Noninterest income to average assets | 0.4524% | 3,769 |
| Noninterest expense to average assets | 2.5816% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4557% | 4,911 |
| Return on assets (ROA) | 0.5157% | 4,686 |
| Pretax return on assets | 0.5157% | 5,120 |
| Return on Equity (ROE) | 6.5407% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.5407% | 2,257 |
| Net charge-offs to loans | -0.2094% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9973% | 1,544 |
| Assets per employee ($millions) | 6.1894% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 1,149 |
| Loan loss allowance to noncurrent loans | 166.3929% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 3,355 |
| Noncurrent loans to loans | 1.3268% | 2,817 |
| Net loans and leases to total assets | 45.9766% | 5,334 |
| Net loans and leases to deposits | 51.9929% | 5,454 |
| Net loans and leases to core deposits | 53.8021% | 5,515 |
| Total domestic deposits to total assets | 88.4286% | 1,974 |
| Equity capital to assets | 7.7533% | 6,204 |
| Core capital (leverage) ratio | 8.0396% | 6,090 |
| Tier 1 risk-based capital ratio | 17.8940% | 2,340 |
| Total risk-based capital ratio | 19.1591% | 2,313 |
| Memoranda: | ||
| Average total assets | $246,673,500 | 2,585 |
| Average earning assets | $232,042,000 | 2,526 |
| Average equity | $19,447,500 | 3,230 |
| Average total loans | $120,320,500 | 3,067 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8681% | 6,451 |
| Cost of funding earning assets | 0.0742% | 6,721 |
| Net interest margin | 2.7939% | 5,991 |
| Noninterest income to average assets | 0.4192% | 4,303 |
| Noninterest expense to average assets | 2.6619% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3957% | 5,163 |
| Return on assets (ROA) | 0.4369% | 5,130 |
| Pretax return on assets | 0.4369% | 5,393 |
| Return on Equity (ROE) | 5.3158% | 4,488 |
| Retained earnings to average equity (ytd only) | 1.2306% | 5,278 |
| Net charge-offs to loans | 0.0883% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.0673% | 2,560 |
| Efficiency ratio | 87.0574% | 1,306 |
| Assets per employee ($millions) | 5.8435% | 1,376 |
| Cash dividends to net income (ytd only)* | 76.8492% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 1,304 |
| Loan loss allowance to noncurrent loans | 148.9571% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.0648% | 3,283 |
| Noncurrent loans to loans | 1.4225% | 2,756 |
| Net loans and leases to total assets | 49.5711% | 5,131 |
| Net loans and leases to deposits | 55.7687% | 5,325 |
| Net loans and leases to core deposits | 57.7534% | 5,411 |
| Total domestic deposits to total assets | 88.8869% | 1,706 |
| Equity capital to assets | 8.0223% | 6,002 |
| Core capital (leverage) ratio | 8.1422% | 6,020 |
| Tier 1 risk-based capital ratio | 17.2624% | 2,507 |
| Total risk-based capital ratio | 18.5260% | 2,476 |
| Memoranda: | ||
| Average total assets | $238,288,400 | 2,637 |
| Average earning assets | $225,028,200 | 2,567 |
| Average equity | $19,583,200 | 3,200 |
| Average total loans | $117,809,000 | 3,080 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8478% | 6,539 |
| Cost of funding earning assets | 0.0782% | 6,799 |
| Net interest margin | 2.7696% | 6,063 |
| Noninterest income to average assets | 0.4157% | 4,403 |
| Noninterest expense to average assets | 2.5544% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4802% | 4,887 |
| Return on assets (ROA) | 0.5351% | 4,795 |
| Pretax return on assets | 0.5351% | 5,255 |
| Return on Equity (ROE) | 6.4720% | 3,944 |
| Retained earnings to average equity (ytd only) | 1.0504% | 5,554 |
| Net charge-offs to loans | -0.0992% | 6,495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1765% | 1,567 |
| Assets per employee ($millions) | 5.9579% | 1,265 |
| Cash dividends to net income (ytd only)* | 83.7697% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2808% | 1,210 |
| Loan loss allowance to noncurrent loans | 165.3892% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 3,254 |
| Noncurrent loans to loans | 1.3790% | 3,108 |
| Net loans and leases to total assets | 50.9292% | 5,012 |
| Net loans and leases to deposits | 58.1008% | 5,180 |
| Net loans and leases to core deposits | 60.6980% | 5,247 |
| Total domestic deposits to total assets | 87.6565% | 2,321 |
| Equity capital to assets | 8.3483% | 5,877 |
| Core capital (leverage) ratio | 8.0543% | 6,185 |
| Tier 1 risk-based capital ratio | 17.5731% | 2,486 |
| Total risk-based capital ratio | 18.8385% | 2,449 |
| Memoranda: | ||
| Average total assets | $237,964,750 | 2,656 |
| Average earning assets | $225,009,500 | 2,575 |
| Average equity | $19,674,000 | 3,222 |
| Average total loans | $116,927,500 | 3,125 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8196% | 6,598 |
| Cost of funding earning assets | 0.0813% | 6,848 |
| Net interest margin | 2.7383% | 6,119 |
| Noninterest income to average assets | 0.4069% | 4,476 |
| Noninterest expense to average assets | 2.5393% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4528% | 5,002 |
| Return on assets (ROA) | 0.5345% | 4,808 |
| Pretax return on assets | 0.5345% | 5,253 |
| Return on Equity (ROE) | 6.4859% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.4859% | 2,155 |
| Net charge-offs to loans | -0.0035% | 5,584 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8662% | 1,546 |
| Assets per employee ($millions) | 6.0728% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3259% | 1,218 |
| Loan loss allowance to noncurrent loans | 158.5900% | 2,415 |
| Noncurrent assets plus other real estate owned to assets | 1.1843% | 3,385 |
| Noncurrent loans to loans | 1.4666% | 3,109 |
| Net loans and leases to total assets | 47.4648% | 5,377 |
| Net loans and leases to deposits | 55.1348% | 5,428 |
| Net loans and leases to core deposits | 57.9386% | 5,425 |
| Total domestic deposits to total assets | 86.0886% | 3,313 |
| Equity capital to assets | 8.4783% | 5,786 |
| Core capital (leverage) ratio | 8.0703% | 6,132 |
| Tier 1 risk-based capital ratio | 18.5640% | 2,119 |
| Total risk-based capital ratio | 19.8296% | 2,077 |
| Memoranda: | ||
| Average total assets | $239,833,670 | 2,653 |
| Average earning assets | $226,414,000 | 2,577 |
| Average equity | $19,766,000 | 3,226 |
| Average total loans | $115,536,670 | 3,158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8503% | 6,651 |
| Cost of funding earning assets | 0.0810% | 6,936 |
| Net interest margin | 2.7693% | 6,094 |
| Noninterest income to average assets | 0.3829% | 4,597 |
| Noninterest expense to average assets | 2.4730% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5155% | 4,583 |
| Return on assets (ROA) | 0.6779% | 3,949 |
| Pretax return on assets | 0.6779% | 4,665 |
| Return on Equity (ROE) | 8.3431% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.3431% | 1,626 |
| Net charge-offs to loans | -0.0104% | 5,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7510% | 1,923 |
| Assets per employee ($millions) | 5.9996% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3312% | 1,360 |
| Loan loss allowance to noncurrent loans | 156.7916% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 3,647 |
| Noncurrent loans to loans | 1.4868% | 3,326 |
| Net loans and leases to total assets | 45.6119% | 5,475 |
| Net loans and leases to deposits | 52.6774% | 5,557 |
| Net loans and leases to core deposits | 55.3114% | 5,578 |
| Total domestic deposits to total assets | 86.5872% | 3,184 |
| Equity capital to assets | 8.1205% | 6,317 |
| Core capital (leverage) ratio | 8.0779% | 6,074 |
| Tier 1 risk-based capital ratio | 18.1517% | 2,300 |
| Total risk-based capital ratio | 19.4172% | 2,267 |
| Memoranda: | ||
| Average total assets | $241,330,000 | 2,658 |
| Average earning assets | $227,062,000 | 2,596 |
| Average equity | $19,609,000 | 3,299 |
| Average total loans | $115,758,500 | 3,165 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1116% | 6,720 |
| Cost of funding earning assets | 0.1175% | 6,975 |
| Net interest margin | 2.9941% | 6,065 |
| Noninterest income to average assets | 0.4328% | 4,366 |
| Noninterest expense to average assets | 2.6708% | 4,507 |
| Loan and lease loss provision to assets | 0.1729% | 3,461 |
| Net operating income to assets | 0.4187% | 5,014 |
| Return on assets (ROA) | 0.4391% | 5,175 |
| Pretax return on assets | 0.4391% | 5,456 |
| Return on Equity (ROE) | 5.2108% | 4,588 |
| Retained earnings to average equity (ytd only) | 5.2108% | 2,564 |
| Net charge-offs to loans | 0.1201% | 4,488 |
| Credit loss provision to net charge-offs | 287.8788% | 847 |
| Earnings coverage of net charge-offs (x) | 9.8485% | 2,212 |
| Efficiency ratio | 81.8664% | 1,881 |
| Assets per employee ($millions) | 6.0687% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 1,385 |
| Loan loss allowance to noncurrent loans | 179.1695% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 3,806 |
| Noncurrent loans to loans | 1.2800% | 3,698 |
| Net loans and leases to total assets | 48.1528% | 5,399 |
| Net loans and leases to deposits | 55.2731% | 5,520 |
| Net loans and leases to core deposits | 57.8073% | 5,566 |
| Total domestic deposits to total assets | 87.1179% | 2,762 |
| Equity capital to assets | 8.1305% | 6,338 |
| Core capital (leverage) ratio | 8.3586% | 5,814 |
| Tier 1 risk-based capital ratio | 16.7439% | 2,775 |
| Total risk-based capital ratio | 18.0085% | 2,734 |
| Memoranda: | ||
| Average total assets | $219,745,800 | 2,843 |
| Average earning assets | $207,674,600 | 2,768 |
| Average equity | $18,519,200 | 3,400 |
| Average total loans | $109,903,200 | 3,297 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1423% | 6,832 |
| Cost of funding earning assets | 0.1282% | 7,076 |
| Net interest margin | 3.0141% | 6,143 |
| Noninterest income to average assets | 0.4225% | 4,458 |
| Noninterest expense to average assets | 2.6256% | 4,656 |
| Loan and lease loss provision to assets | 0.1472% | 3,697 |
| Net operating income to assets | 0.4999% | 4,846 |
| Return on assets (ROA) | 0.5277% | 4,990 |
| Pretax return on assets | 0.5277% | 5,384 |
| Return on Equity (ROE) | 6.2018% | 4,230 |
| Retained earnings to average equity (ytd only) | 6.2018% | 2,563 |
| Net charge-offs to loans | 0.1170% | 4,211 |
| Credit loss provision to net charge-offs | 250.5263% | 1,093 |
| Earnings coverage of net charge-offs (x) | 11.0108% | 2,125 |
| Efficiency ratio | 80.2268% | 2,063 |
| Assets per employee ($millions) | 5.5117% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2791% | 1,561 |
| Loan loss allowance to noncurrent loans | 162.1451% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 1.3087% | 3,678 |
| Noncurrent loans to loans | 1.4056% | 3,688 |
| Net loans and leases to total assets | 52.6138% | 4,963 |
| Net loans and leases to deposits | 60.9488% | 5,090 |
| Net loans and leases to core deposits | 63.7860% | 5,176 |
| Total domestic deposits to total assets | 86.3247% | 3,072 |
| Equity capital to assets | 9.1887% | 5,606 |
| Core capital (leverage) ratio | 8.6170% | 5,598 |
| Tier 1 risk-based capital ratio | 16.6780% | 2,909 |
| Total risk-based capital ratio | 17.9390% | 2,865 |
| Memoranda: | ||
| Average total assets | $215,512,750 | 2,912 |
| Average earning assets | $203,793,500 | 2,832 |
| Average equity | $18,338,250 | 3,463 |
| Average total loans | $108,218,500 | 3,362 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0916% | 6,934 |
| Cost of funding earning assets | 0.1388% | 7,138 |
| Net interest margin | 2.9529% | 6,333 |
| Noninterest income to average assets | 0.4266% | 4,460 |
| Noninterest expense to average assets | 2.6138% | 4,729 |
| Loan and lease loss provision to assets | 0.0919% | 4,417 |
| Net operating income to assets | 0.5185% | 4,728 |
| Return on assets (ROA) | 0.5599% | 4,819 |
| Pretax return on assets | 0.5599% | 5,276 |
| Return on Equity (ROE) | 6.7532% | 3,917 |
| Retained earnings to average equity (ytd only) | 6.7532% | 2,247 |
| Net charge-offs to loans | 0.0975% | 4,189 |
| Credit loss provision to net charge-offs | 192.3077% | 1,472 |
| Earnings coverage of net charge-offs (x) | 12.7692% | 1,847 |
| Efficiency ratio | 81.0664% | 2,017 |
| Assets per employee ($millions) | 5.3371% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 1,580 |
| Loan loss allowance to noncurrent loans | 153.2508% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 3,829 |
| Noncurrent loans to loans | 1.5055% | 3,648 |
| Net loans and leases to total assets | 49.0908% | 5,473 |
| Net loans and leases to deposits | 57.0871% | 5,538 |
| Net loans and leases to core deposits | 59.5824% | 5,634 |
| Total domestic deposits to total assets | 85.9927% | 3,355 |
| Equity capital to assets | 8.6982% | 6,030 |
| Core capital (leverage) ratio | 8.2027% | 6,046 |
| Tier 1 risk-based capital ratio | 16.9755% | 2,673 |
| Total risk-based capital ratio | 18.2386% | 2,630 |
| Memoranda: | ||
| Average total assets | $217,536,000 | 2,894 |
| Average earning assets | $206,105,670 | 2,808 |
| Average equity | $18,036,000 | 3,493 |
| Average total loans | $106,702,670 | 3,408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0881% | 7,008 |
| Cost of funding earning assets | 0.1537% | 7,181 |
| Net interest margin | 2.9344% | 6,427 |
| Noninterest income to average assets | 0.4463% | 4,317 |
| Noninterest expense to average assets | 2.6453% | 4,643 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5830% | 4,426 |
| Return on assets (ROA) | 0.6577% | 4,301 |
| Pretax return on assets | 0.6577% | 4,916 |
| Return on Equity (ROE) | 8.1263% | 3,230 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,935 |
| Net charge-offs to loans | 0.0038% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 320.0000% | 100 |
| Efficiency ratio | 81.9413% | 1,940 |
| Assets per employee ($millions) | 5.8719% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2568% | 1,765 |
| Loan loss allowance to noncurrent loans | 162.4916% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.9921% | 4,518 |
| Noncurrent loans to loans | 1.3889% | 4,027 |
| Net loans and leases to total assets | 45.8820% | 5,796 |
| Net loans and leases to deposits | 53.3358% | 5,879 |
| Net loans and leases to core deposits | 55.4997% | 5,947 |
| Total domestic deposits to total assets | 86.0248% | 3,513 |
| Equity capital to assets | 7.9714% | 6,540 |
| Core capital (leverage) ratio | 8.0909% | 6,171 |
| Tier 1 risk-based capital ratio | 16.4055% | 2,957 |
| Total risk-based capital ratio | 17.6675% | 2,910 |
| Memoranda: | ||
| Average total assets | $219,563,000 | 2,899 |
| Average earning assets | $208,151,500 | 2,795 |
| Average equity | $17,769,500 | 3,534 |
| Average total loans | $106,416,500 | 3,446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 6,994 |
| Cost of funding earning assets | 0.2380% | 7,190 |
| Net interest margin | 3.2634% | 5,922 |
| Noninterest income to average assets | 0.4052% | 4,574 |
| Noninterest expense to average assets | 2.8982% | 3,966 |
| Loan and lease loss provision to assets | 0.9936% | 954 |
| Net operating income to assets | -0.4003% | 6,417 |
| Return on assets (ROA) | -0.1421% | 6,270 |
| Pretax return on assets | -0.1421% | 6,240 |
| Return on Equity (ROE) | -1.7066% | 6,313 |
| Retained earnings to average equity (ytd only) | -1.7066% | 6,119 |
| Net charge-offs to loans | 1.8380% | 792 |
| Credit loss provision to net charge-offs | 101.3085% | 3,432 |
| Earnings coverage of net charge-offs (x) | 0.6049% | 5,368 |
| Efficiency ratio | 83.0082% | 1,883 |
| Assets per employee ($millions) | 5.5295% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3041% | 1,612 |
| Loan loss allowance to noncurrent loans | 151.9724% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1089% | 4,394 |
| Noncurrent loans to loans | 1.5161% | 3,874 |
| Net loans and leases to total assets | 48.9756% | 5,720 |
| Net loans and leases to deposits | 55.9809% | 5,899 |
| Net loans and leases to core deposits | 59.4068% | 5,894 |
| Total domestic deposits to total assets | 87.4863% | 2,477 |
| Equity capital to assets | 8.2257% | 6,410 |
| Core capital (leverage) ratio | 8.1373% | 6,091 |
| Tier 1 risk-based capital ratio | 15.5439% | 3,301 |
| Total risk-based capital ratio | 16.8058% | 3,246 |
| Memoranda: | ||
| Average total assets | $202,606,800 | 3,029 |
| Average earning assets | $191,607,600 | 2,950 |
| Average equity | $16,875,400 | 3,596 |
| Average total loans | $108,108,800 | 3,426 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 7,041 |
| Cost of funding earning assets | 0.2571% | 7,270 |
| Net interest margin | 3.3294% | 5,772 |
| Noninterest income to average assets | 0.3833% | 4,783 |
| Noninterest expense to average assets | 2.9857% | 3,600 |
| Loan and lease loss provision to assets | 0.6138% | 1,604 |
| Net operating income to assets | -0.0678% | 6,246 |
| Return on assets (ROA) | 0.1680% | 5,909 |
| Pretax return on assets | 0.1680% | 5,960 |
| Return on Equity (ROE) | 2.0111% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.0111% | 5,131 |
| Net charge-offs to loans | 1.3884% | 1,089 |
| Credit loss provision to net charge-offs | 81.5534% | 4,094 |
| Earnings coverage of net charge-offs (x) | 0.7255% | 5,073 |
| Efficiency ratio | 84.5402% | 1,684 |
| Assets per employee ($millions) | 5.3256% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 2,128 |
| Loan loss allowance to noncurrent loans | 139.1746% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 4,960 |
| Noncurrent loans to loans | 1.4908% | 4,060 |
| Net loans and leases to total assets | 52.5037% | 5,387 |
| Net loans and leases to deposits | 60.1008% | 5,615 |
| Net loans and leases to core deposits | 63.6052% | 5,664 |
| Total domestic deposits to total assets | 87.3594% | 2,434 |
| Equity capital to assets | 9.0344% | 5,712 |
| Core capital (leverage) ratio | 8.4514% | 5,777 |
| Tier 1 risk-based capital ratio | 15.7493% | 3,252 |
| Total risk-based capital ratio | 17.0087% | 3,207 |
| Memoranda: | ||
| Average total assets | $200,728,250 | 3,064 |
| Average earning assets | $189,817,000 | 2,979 |
| Average equity | $16,773,250 | 3,619 |
| Average total loans | $108,802,250 | 3,443 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6018% | 7,100 |
| Cost of funding earning assets | 0.2743% | 7,341 |
| Net interest margin | 3.3275% | 5,780 |
| Noninterest income to average assets | 0.3813% | 4,831 |
| Noninterest expense to average assets | 3.0353% | 3,507 |
| Loan and lease loss provision to assets | 0.5160% | 1,899 |
| Net operating income to assets | -0.0228% | 6,264 |
| Return on assets (ROA) | 0.1129% | 6,070 |
| Pretax return on assets | 0.1129% | 6,082 |
| Return on Equity (ROE) | 1.3877% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.3877% | 5,298 |
| Net charge-offs to loans | 1.2180% | 1,285 |
| Credit loss provision to net charge-offs | 77.8774% | 3,831 |
| Earnings coverage of net charge-offs (x) | 0.7444% | 4,741 |
| Efficiency ratio | 86.0230% | 1,600 |
| Assets per employee ($millions) | 5.3850% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0631% | 2,200 |
| Loan loss allowance to noncurrent loans | 138.6462% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,020 |
| Noncurrent loans to loans | 1.4880% | 4,195 |
| Net loans and leases to total assets | 52.2670% | 5,532 |
| Net loans and leases to deposits | 59.8699% | 5,736 |
| Net loans and leases to core deposits | 63.6889% | 5,757 |
| Total domestic deposits to total assets | 87.3010% | 2,569 |
| Equity capital to assets | 8.4802% | 6,209 |
| Core capital (leverage) ratio | 8.0372% | 6,255 |
| Tier 1 risk-based capital ratio | 15.1345% | 3,431 |
| Total risk-based capital ratio | 16.3942% | 3,391 |
| Memoranda: | ||
| Average total assets | $201,955,330 | 3,073 |
| Average earning assets | $191,013,670 | 2,979 |
| Average equity | $16,430,330 | 3,665 |
| Average total loans | $109,853,330 | 3,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5791% | 7,150 |
| Cost of funding earning assets | 0.3076% | 7,378 |
| Net interest margin | 3.2715% | 5,874 |
| Noninterest income to average assets | 0.4187% | 4,552 |
| Noninterest expense to average assets | 3.0745% | 3,363 |
| Loan and lease loss provision to assets | 0.6639% | 1,289 |
| Net operating income to assets | -0.2233% | 6,590 |
| Return on assets (ROA) | -0.2233% | 6,603 |
| Pretax return on assets | -0.2233% | 6,558 |
| Return on Equity (ROE) | -2.8054% | 6,646 |
| Retained earnings to average equity (ytd only) | -2.8054% | 6,265 |
| Net charge-offs to loans | 1.9387% | 659 |
| Credit loss provision to net charge-offs | 62.3596% | 3,507 |
| Earnings coverage of net charge-offs (x) | 0.4139% | 4,312 |
| Efficiency ratio | 87.4645% | 1,574 |
| Assets per employee ($millions) | 5.5213% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 2,417 |
| Loan loss allowance to noncurrent loans | 75.9406% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.3970% | 4,193 |
| Noncurrent loans to loans | 2.6343% | 2,865 |
| Net loans and leases to total assets | 51.3672% | 5,666 |
| Net loans and leases to deposits | 59.3211% | 5,789 |
| Net loans and leases to core deposits | 63.7799% | 5,752 |
| Total domestic deposits to total assets | 86.5917% | 3,184 |
| Equity capital to assets | 7.7212% | 6,733 |
| Core capital (leverage) ratio | 8.1210% | 6,094 |
| Tier 1 risk-based capital ratio | 14.8949% | 3,478 |
| Total risk-based capital ratio | 16.1545% | 3,442 |
| Memoranda: | ||
| Average total assets | $200,618,000 | 3,103 |
| Average earning assets | $189,881,000 | 3,013 |
| Average equity | $15,969,000 | 3,733 |
| Average total loans | $110,176,500 | 3,485 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 7,079 |
| Cost of funding earning assets | 0.4848% | 7,316 |
| Net interest margin | 3.5782% | 4,924 |
| Noninterest income to average assets | 0.4494% | 4,518 |
| Noninterest expense to average assets | 3.0986% | 3,463 |
| Loan and lease loss provision to assets | 1.6371% | 879 |
| Net operating income to assets | -0.9228% | 6,639 |
| Return on assets (ROA) | -0.7226% | 6,565 |
| Pretax return on assets | -0.7226% | 6,472 |
| Return on Equity (ROE) | -8.7182% | 6,661 |
| Retained earnings to average equity (ytd only) | -8.7182% | 6,575 |
| Net charge-offs to loans | 1.8939% | 1,089 |
| Credit loss provision to net charge-offs | 140.1786% | 2,694 |
| Earnings coverage of net charge-offs (x) | 0.6116% | 5,492 |
| Efficiency ratio | 81.2662% | 2,249 |
| Assets per employee ($millions) | 5.1736% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1752% | 1,919 |
| Loan loss allowance to noncurrent loans | 159.7472% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 5,402 |
| Noncurrent loans to loans | 1.3617% | 4,441 |
| Net loans and leases to total assets | 56.4075% | 5,276 |
| Net loans and leases to deposits | 64.3734% | 5,586 |
| Net loans and leases to core deposits | 69.9552% | 5,447 |
| Total domestic deposits to total assets | 87.6254% | 2,464 |
| Equity capital to assets | 8.2215% | 6,235 |
| Core capital (leverage) ratio | 8.3094% | 5,673 |
| Tier 1 risk-based capital ratio | 14.3228% | 3,660 |
| Total risk-based capital ratio | 15.5548% | 3,628 |
| Memoranda: | ||
| Average total assets | $191,798,800 | 3,202 |
| Average earning assets | $180,288,600 | 3,121 |
| Average equity | $15,897,800 | 3,788 |
| Average total loans | $118,272,000 | 3,352 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 7,179 |
| Cost of funding earning assets | 0.5234% | 7,414 |
| Net interest margin | 3.5991% | 4,882 |
| Noninterest income to average assets | 0.4294% | 4,721 |
| Noninterest expense to average assets | 3.1190% | 3,246 |
| Loan and lease loss provision to assets | 1.2090% | 1,180 |
| Net operating income to assets | -0.5204% | 6,610 |
| Return on assets (ROA) | -0.4676% | 6,613 |
| Pretax return on assets | -0.4676% | 6,527 |
| Return on Equity (ROE) | -5.6301% | 6,694 |
| Retained earnings to average equity (ytd only) | -5.6301% | 6,603 |
| Net charge-offs to loans | 1.5268% | 1,315 |
| Credit loss provision to net charge-offs | 126.3617% | 3,229 |
| Earnings coverage of net charge-offs (x) | 0.7197% | 5,336 |
| Efficiency ratio | 81.9161% | 2,068 |
| Assets per employee ($millions) | 4.8174% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6165% | 3,457 |
| Loan loss allowance to noncurrent loans | 69.5263% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.4831% | 4,227 |
| Noncurrent loans to loans | 2.3250% | 3,310 |
| Net loans and leases to total assets | 61.9720% | 4,536 |
| Net loans and leases to deposits | 70.9308% | 5,012 |
| Net loans and leases to core deposits | 76.9063% | 4,935 |
| Total domestic deposits to total assets | 87.3697% | 2,337 |
| Equity capital to assets | 9.5887% | 4,713 |
| Core capital (leverage) ratio | 8.6436% | 5,277 |
| Tier 1 risk-based capital ratio | 14.6993% | 3,391 |
| Total risk-based capital ratio | 15.9544% | 3,372 |
| Memoranda: | ||
| Average total assets | $191,892,250 | 3,259 |
| Average earning assets | $180,113,000 | 3,157 |
| Average equity | $15,937,750 | 3,818 |
| Average total loans | $120,245,250 | 3,364 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1156% | 7,268 |
| Cost of funding earning assets | 0.5469% | 7,483 |
| Net interest margin | 3.5687% | 4,954 |
| Noninterest income to average assets | 0.4476% | 4,540 |
| Noninterest expense to average assets | 3.0569% | 3,489 |
| Loan and lease loss provision to assets | 1.3191% | 1,032 |
| Net operating income to assets | -0.5789% | 6,729 |
| Return on assets (ROA) | -0.5009% | 6,695 |
| Pretax return on assets | -0.5009% | 6,590 |
| Return on Equity (ROE) | -6.3379% | 6,789 |
| Retained earnings to average equity (ytd only) | -6.3379% | 6,680 |
| Net charge-offs to loans | 1.6261% | 1,168 |
| Credit loss provision to net charge-offs | 129.6670% | 3,102 |
| Earnings coverage of net charge-offs (x) | 0.7275% | 5,019 |
| Efficiency ratio | 80.5082% | 2,367 |
| Assets per employee ($millions) | 5.3112% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 3,685 |
| Loan loss allowance to noncurrent loans | 61.9179% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5933% | 4,059 |
| Noncurrent loans to loans | 2.4959% | 3,158 |
| Net loans and leases to total assets | 58.1928% | 5,383 |
| Net loans and leases to deposits | 66.9436% | 5,692 |
| Net loans and leases to core deposits | 72.5763% | 5,613 |
| Total domestic deposits to total assets | 86.9282% | 2,568 |
| Equity capital to assets | 9.0279% | 5,403 |
| Core capital (leverage) ratio | 8.2450% | 5,865 |
| Tier 1 risk-based capital ratio | 14.5749% | 3,397 |
| Total risk-based capital ratio | 15.8293% | 3,359 |
| Memoranda: | ||
| Average total assets | $194,836,330 | 3,240 |
| Average earning assets | $182,865,330 | 3,162 |
| Average equity | $15,399,330 | 3,912 |
| Average total loans | $121,890,330 | 3,368 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9947% | 7,458 |
| Cost of funding earning assets | 0.5443% | 7,612 |
| Net interest margin | 3.4504% | 5,373 |
| Noninterest income to average assets | 0.4619% | 4,371 |
| Noninterest expense to average assets | 3.1031% | 3,256 |
| Loan and lease loss provision to assets | 2.1547% | 503 |
| Net operating income to assets | -1.5547% | 7,348 |
| Return on assets (ROA) | -1.4371% | 7,318 |
| Pretax return on assets | -1.4371% | 7,239 |
| Return on Equity (ROE) | -19.5945% | 7,428 |
| Retained earnings to average equity (ytd only) | -19.5945% | 7,358 |
| Net charge-offs to loans | 2.5425% | 641 |
| Credit loss provision to net charge-offs | 131.7781% | 2,680 |
| Earnings coverage of net charge-offs (x) | 0.3670% | 4,709 |
| Efficiency ratio | 83.7973% | 2,043 |
| Assets per employee ($millions) | 5.4606% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 4,288 |
| Loan loss allowance to noncurrent loans | 71.7267% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2943% | 4,591 |
| Noncurrent loans to loans | 1.9885% | 3,803 |
| Net loans and leases to total assets | 59.9636% | 5,127 |
| Net loans and leases to deposits | 69.7653% | 5,373 |
| Net loans and leases to core deposits | 75.5169% | 5,322 |
| Total domestic deposits to total assets | 85.9504% | 3,176 |
| Equity capital to assets | 7.0713% | 7,337 |
| Core capital (leverage) ratio | 7.2168% | 7,097 |
| Tier 1 risk-based capital ratio | 11.5973% | 5,580 |
| Total risk-based capital ratio | 12.8507% | 5,549 |
| Memoranda: | ||
| Average total assets | $193,997,500 | 3,300 |
| Average earning assets | $182,241,000 | 3,230 |
| Average equity | $14,228,500 | 4,188 |
| Average total loans | $124,759,500 | 3,370 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 7,329 |
| Cost of funding earning assets | 0.7585% | 7,613 |
| Net interest margin | 3.8038% | 3,691 |
| Noninterest income to average assets | 0.4630% | 4,692 |
| Noninterest expense to average assets | 3.1859% | 3,424 |
| Loan and lease loss provision to assets | 0.8633% | 2,582 |
| Net operating income to assets | -0.0225% | 5,535 |
| Return on assets (ROA) | 0.0547% | 5,378 |
| Pretax return on assets | 0.0547% | 5,313 |
| Return on Equity (ROE) | 0.7173% | 5,325 |
| Retained earnings to average equity (ytd only) | 0.7173% | 4,508 |
| Net charge-offs to loans | 0.9857% | 2,439 |
| Credit loss provision to net charge-offs | 132.2660% | 3,792 |
| Earnings coverage of net charge-offs (x) | 1.2882% | 4,840 |
| Efficiency ratio | 79.1190% | 3,024 |
| Assets per employee ($millions) | 5.0258% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 5,441 |
| Loan loss allowance to noncurrent loans | 80.8293% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 5,079 |
| Noncurrent loans to loans | 1.4667% | 4,466 |
| Net loans and leases to total assets | 67.2822% | 3,864 |
| Net loans and leases to deposits | 77.8396% | 4,411 |
| Net loans and leases to core deposits | 94.7855% | 4,590 |
| Total domestic deposits to total assets | 86.4370% | 2,797 |
| Equity capital to assets | 7.6202% | 6,931 |
| Core capital (leverage) ratio | 7.5608% | 6,728 |
| Tier 1 risk-based capital ratio | 11.1642% | 5,761 |
| Total risk-based capital ratio | 12.4005% | 5,734 |
| Memoranda: | ||
| Average total assets | $186,601,200 | 3,327 |
| Average earning assets | $174,826,000 | 3,283 |
| Average equity | $14,220,600 | 4,204 |
| Average total loans | $123,565,400 | 3,410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 7,390 |
| Cost of funding earning assets | 0.8081% | 7,684 |
| Net interest margin | 3.8119% | 3,607 |
| Noninterest income to average assets | 0.4647% | 4,783 |
| Noninterest expense to average assets | 3.2347% | 3,176 |
| Loan and lease loss provision to assets | 0.6197% | 2,916 |
| Net operating income to assets | 0.1835% | 5,213 |
| Return on assets (ROA) | 0.2863% | 4,944 |
| Pretax return on assets | 0.2863% | 5,100 |
| Return on Equity (ROE) | 3.7563% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.7563% | 3,184 |
| Net charge-offs to loans | 0.5863% | 2,921 |
| Credit loss provision to net charge-offs | 160.7407% | 2,945 |
| Earnings coverage of net charge-offs (x) | 2.0833% | 4,261 |
| Efficiency ratio | 80.1096% | 2,824 |
| Assets per employee ($millions) | 4.6476% | 2,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,489 |
| Loan loss allowance to noncurrent loans | 74.4427% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.1115% | 4,853 |
| Noncurrent loans to loans | 1.5282% | 4,360 |
| Net loans and leases to total assets | 70.6603% | 3,348 |
| Net loans and leases to deposits | 81.7594% | 4,068 |
| Net loans and leases to core deposits | 102.0026% | 4,154 |
| Total domestic deposits to total assets | 86.4247% | 2,463 |
| Equity capital to assets | 8.1973% | 6,645 |
| Core capital (leverage) ratio | 7.6011% | 6,857 |
| Tier 1 risk-based capital ratio | 11.3398% | 5,602 |
| Total risk-based capital ratio | 12.5152% | 5,617 |
| Memoranda: | ||
| Average total assets | $186,763,000 | 3,358 |
| Average earning assets | $175,063,250 | 3,309 |
| Average equity | $14,233,250 | 4,235 |
| Average total loans | $122,803,000 | 3,451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 7,496 |
| Cost of funding earning assets | 0.8507% | 7,758 |
| Net interest margin | 3.7714% | 3,668 |
| Noninterest income to average assets | 0.4681% | 4,725 |
| Noninterest expense to average assets | 3.2511% | 3,151 |
| Loan and lease loss provision to assets | 0.4323% | 3,396 |
| Net operating income to assets | 0.3145% | 4,829 |
| Return on assets (ROA) | 0.3166% | 4,934 |
| Pretax return on assets | 0.3166% | 5,175 |
| Return on Equity (ROE) | 4.2538% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.2538% | 2,937 |
| Net charge-offs to loans | 0.4274% | 3,090 |
| Credit loss provision to net charge-offs | 158.0769% | 2,910 |
| Earnings coverage of net charge-offs (x) | 2.7308% | 3,717 |
| Efficiency ratio | 81.3207% | 2,837 |
| Assets per employee ($millions) | 4.7690% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,075 |
| Loan loss allowance to noncurrent loans | 120.2483% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 5,702 |
| Noncurrent loans to loans | 0.8491% | 5,525 |
| Net loans and leases to total assets | 63.9832% | 4,987 |
| Net loans and leases to deposits | 74.1574% | 5,429 |
| Net loans and leases to core deposits | 93.2144% | 5,215 |
| Total domestic deposits to total assets | 86.2802% | 2,636 |
| Equity capital to assets | 7.4224% | 7,333 |
| Core capital (leverage) ratio | 6.9650% | 7,566 |
| Tier 1 risk-based capital ratio | 11.1568% | 5,723 |
| Total risk-based capital ratio | 12.1781% | 5,895 |
| Memoranda: | ||
| Average total assets | $190,148,330 | 3,336 |
| Average earning assets | $177,971,000 | 3,286 |
| Average equity | $14,152,000 | 4,268 |
| Average total loans | $121,661,670 | 3,498 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6689% | 7,551 |
| Cost of funding earning assets | 0.9306% | 7,771 |
| Net interest margin | 3.7383% | 3,723 |
| Noninterest income to average assets | 0.4362% | 4,903 |
| Noninterest expense to average assets | 3.1984% | 2,992 |
| Loan and lease loss provision to assets | 0.3898% | 2,990 |
| Net operating income to assets | 0.3603% | 5,019 |
| Return on assets (ROA) | 0.3603% | 5,201 |
| Pretax return on assets | 0.3603% | 5,511 |
| Return on Equity (ROE) | 4.8344% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.8344% | 3,215 |
| Net charge-offs to loans | 0.2681% | 3,056 |
| Credit loss provision to net charge-offs | 228.3951% | 2,003 |
| Earnings coverage of net charge-offs (x) | 4.3951% | 2,895 |
| Efficiency ratio | 81.0032% | 2,674 |
| Assets per employee ($millions) | 5.0285% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 6,257 |
| Loan loss allowance to noncurrent loans | 107.1555% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 5,341 |
| Noncurrent loans to loans | 0.9244% | 5,154 |
| Net loans and leases to total assets | 60.2814% | 5,608 |
| Net loans and leases to deposits | 71.3735% | 5,819 |
| Net loans and leases to core deposits | 87.8381% | 5,757 |
| Total domestic deposits to total assets | 84.4591% | 3,481 |
| Equity capital to assets | 7.1249% | 7,611 |
| Core capital (leverage) ratio | 7.1122% | 7,546 |
| Tier 1 risk-based capital ratio | 11.1445% | 5,765 |
| Total risk-based capital ratio | 12.1368% | 5,913 |
| Memoranda: | ||
| Average total assets | $189,842,000 | 3,361 |
| Average earning assets | $178,371,000 | 3,302 |
| Average equity | $14,148,500 | 4,304 |
| Average total loans | $120,835,500 | 3,535 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8779% | 6,149 |
| Cost of funding earning assets | 1.6427% | 7,366 |
| Net interest margin | 4.2352% | 2,179 |
| Noninterest income to average assets | 0.5040% | 4,596 |
| Noninterest expense to average assets | 3.2632% | 3,100 |
| Loan and lease loss provision to assets | 0.7299% | 2,029 |
| Net operating income to assets | 0.4598% | 4,910 |
| Return on assets (ROA) | 0.4604% | 4,727 |
| Pretax return on assets | 0.4604% | 5,094 |
| Return on Equity (ROE) | 6.0027% | 3,940 |
| Retained earnings to average equity (ytd only) | 1.5653% | 4,279 |
| Net charge-offs to loans | 0.8999% | 1,377 |
| Credit loss provision to net charge-offs | 117.8245% | 4,564 |
| Earnings coverage of net charge-offs (x) | 1.9205% | 5,106 |
| Efficiency ratio | 73.2833% | 3,694 |
| Assets per employee ($millions) | 4.4636% | 2,672 |
| Cash dividends to net income (ytd only)* | 73.9237% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 6,511 |
| Loan loss allowance to noncurrent loans | 82.8721% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 4,494 |
| Noncurrent loans to loans | 1.1216% | 4,304 |
| Net loans and leases to total assets | 66.1462% | 4,819 |
| Net loans and leases to deposits | 78.5140% | 5,266 |
| Net loans and leases to core deposits | 96.4168% | 5,219 |
| Total domestic deposits to total assets | 84.2476% | 3,203 |
| Equity capital to assets | 7.8222% | 7,066 |
| Core capital (leverage) ratio | 7.6538% | 6,997 |
| Tier 1 risk-based capital ratio | 11.3301% | 5,407 |
| Total risk-based capital ratio | 12.2633% | 5,614 |
| Memoranda: | ||
| Average total assets | $176,603,200 | 3,451 |
| Average earning assets | $164,669,000 | 3,407 |
| Average equity | $13,544,000 | 4,439 |
| Average total loans | $121,571,600 | 3,429 |