Home > Fayetteville Bank > Performance and Condition Ratios
Fayetteville Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 35 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0044% | 4,224 |
| Cost of funding earning assets | 3.2485% | 179 |
| Net interest margin | 0.7560% | 4,379 |
| Noninterest income to average assets | 0.1900% | 3,627 |
| Noninterest expense to average assets | 1.1715% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,062 |
| Net operating income to assets | -0.2667% | 4,248 |
| Return on assets (ROA) | -0.4935% | 4,322 |
| Pretax return on assets | -0.4935% | 4,310 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,813 |
| Net charge-offs to loans | 0.0196% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,216 |
| Earnings coverage of net charge-offs (x) | -69.9091% | 4,439 |
| Efficiency ratio | 129.4749% | 70 |
| Assets per employee ($millions) | 20.6680% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 426 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,783 |
| Net loans and leases to total assets | 19.1700% | 4,266 |
| Net loans and leases to deposits | 17.8010% | 4,325 |
| Net loans and leases to core deposits | 25.4251% | 4,280 |
| Total domestic deposits to total assets | 107.7200% | 1 |
| Equity capital to assets | -8.6749% | 4,450 |
| Core capital (leverage) ratio | 11.7941% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,709 |
| Memoranda: | ||
| Average total assets | $576,682,333 | 1,593 |
| Average earning assets | $545,798,000 | 1,569 |
| Average equity | $-40,751,667 | 4,431 |
| Average total loans | $112,273,000 | 3,089 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 4,297 |
| Cost of funding earning assets | 3.2316% | 191 |
| Net interest margin | 0.7074% | 4,418 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.2362% | 4,336 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | -0.4125% | 4,301 |
| Return on assets (ROA) | -0.7103% | 4,371 |
| Pretax return on assets | -0.7103% | 4,359 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,662 |
| Net charge-offs to loans | 0.0207% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | -102.5000% | 4,478 |
| Efficiency ratio | 150.0814% | 76 |
| Assets per employee ($millions) | 19.4020% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 514 |
| 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 | 19.0900% | 4,300 |
| Net loans and leases to deposits | 17.9823% | 4,329 |
| Net loans and leases to core deposits | 25.9094% | 4,290 |
| Total domestic deposits to total assets | 106.1500% | 1 |
| Equity capital to assets | -7.1935% | 4,491 |
| Core capital (leverage) ratio | 11.4099% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $596,340,000 | 1,563 |
| Average earning assets | $565,423,500 | 1,538 |
| Average equity | $-37,819,500 | 4,471 |
| Average total loans | $115,893,500 | 3,065 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 4,025 |
| Cost of funding earning assets | 3.9754% | 71 |
| Net interest margin | 0.3798% | 4,441 |
| Noninterest income to average assets | 0.0600% | 4,337 |
| Noninterest expense to average assets | 1.0838% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | -0.5563% | 4,354 |
| Return on assets (ROA) | -0.5855% | 4,386 |
| Pretax return on assets | -0.6954% | 4,386 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0277% | 2,023 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | -133.6667% | 4,504 |
| Efficiency ratio | 256.1416% | 36 |
| Assets per employee ($millions) | 21.7249% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6374% | 741 |
| 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 | 19.1100% | 4,323 |
| Net loans and leases to deposits | 18.2720% | 4,347 |
| Net loans and leases to core deposits | 28.9343% | 4,291 |
| Total domestic deposits to total assets | 104.5800% | 1 |
| Equity capital to assets | -5.5814% | 4,515 |
| Core capital (leverage) ratio | 10.2582% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $667,627,400 | 1,394 |
| Average earning assets | $636,420,600 | 1,359 |
| Average equity | $-26,285,400 | 4,495 |
| Average total loans | $118,969,800 | 3,004 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3200% | 4,040 |
| Cost of funding earning assets | 3.9621% | 84 |
| Net interest margin | 0.3579% | 4,475 |
| Noninterest income to average assets | 0.0300% | 4,423 |
| Noninterest expense to average assets | 1.0662% | 4,424 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | -0.6924% | 4,408 |
| Return on assets (ROA) | -0.7383% | 4,447 |
| Pretax return on assets | -0.7383% | 4,435 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0147% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | -270.4615% | 4,540 |
| Efficiency ratio | 285.2476% | 36 |
| Assets per employee ($millions) | 23.1406% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 607 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 3,252 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 16.4700% | 4,364 |
| Net loans and leases to deposits | 17.8879% | 4,382 |
| Net loans and leases to core deposits | 28.2833% | 4,329 |
| Total domestic deposits to total assets | 92.0500% | 174 |
| Equity capital to assets | -2.1732% | 4,543 |
| Core capital (leverage) ratio | 10.1108% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $677,028,750 | 1,369 |
| Average earning assets | $645,998,250 | 1,340 |
| Average equity | $-24,065,750 | 4,525 |
| Average total loans | $118,115,000 | 3,009 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3214% | 4,005 |
| Cost of funding earning assets | 3.9505% | 72 |
| Net interest margin | 0.3709% | 4,493 |
| Noninterest income to average assets | -0.0200% | 4,534 |
| Noninterest expense to average assets | 1.0568% | 4,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.7278% | 4,437 |
| Return on assets (ROA) | -0.7955% | 4,475 |
| Pretax return on assets | -0.7955% | 4,463 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 0.0101% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | -407.1667% | 4,562 |
| Efficiency ratio | 321.2862% | 36 |
| Assets per employee ($millions) | 22.2191% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 676 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,184 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 17.0700% | 4,382 |
| Net loans and leases to deposits | 18.0581% | 4,404 |
| Net loans and leases to core deposits | 28.3955% | 4,341 |
| Total domestic deposits to total assets | 94.5400% | 60 |
| Equity capital to assets | -4.7371% | 4,565 |
| Core capital (leverage) ratio | 9.8216% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $671,299,333 | 1,383 |
| Average earning assets | $640,068,333 | 1,341 |
| Average equity | $-27,058,667 | 4,545 |
| Average total loans | $118,709,333 | 3,000 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 4,166 |
| Cost of funding earning assets | 3.7345% | 106 |
| Net interest margin | 0.3759% | 4,531 |
| Noninterest income to average assets | 0.1400% | 4,022 |
| Noninterest expense to average assets | 1.0233% | 4,480 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.5216% | 4,466 |
| Return on assets (ROA) | -0.5283% | 4,453 |
| Pretax return on assets | -0.5283% | 4,433 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.0237% | 1,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | -123.4286% | 4,585 |
| Efficiency ratio | 203.9711% | 26 |
| Assets per employee ($millions) | 22.5343% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 637 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 2,074 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 16.6000% | 4,405 |
| Net loans and leases to deposits | 17.6661% | 4,416 |
| Net loans and leases to core deposits | 27.6479% | 4,410 |
| Total domestic deposits to total assets | 93.9600% | 125 |
| Equity capital to assets | -4.0787% | 4,594 |
| Core capital (leverage) ratio | 10.7163% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $662,552,500 | 1,398 |
| Average earning assets | $630,987,000 | 1,364 |
| Average equity | $-24,273,500 | 4,575 |
| Average total loans | $118,251,500 | 3,010 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 4,067 |
| Cost of funding earning assets | 2.8462% | 194 |
| Net interest margin | 1.0729% | 4,540 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.1134% | 4,484 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.0432% | 4,294 |
| Return on assets (ROA) | -0.0535% | 4,395 |
| Pretax return on assets | -0.0669% | 4,392 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.5405% | 186 |
| Credit loss provision to net charge-offs | -1.4451% | 4,407 |
| Earnings coverage of net charge-offs (x) | 0.7601% | 2,797 |
| Efficiency ratio | 92.7438% | 340 |
| Assets per employee ($millions) | 20.2110% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 630 |
| Loan loss allowance to noncurrent loans | 161.6667% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 1,790 |
| Noncurrent loans to loans | 1.0631% | 693 |
| Net loans and leases to total assets | 18.5900% | 4,413 |
| Net loans and leases to deposits | 20.1733% | 4,426 |
| Net loans and leases to core deposits | 26.3493% | 4,429 |
| Total domestic deposits to total assets | 92.1600% | 283 |
| Equity capital to assets | -3.2009% | 4,612 |
| Core capital (leverage) ratio | 11.8848% | 1,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $603,805,000 | 1,467 |
| Average earning assets | $571,357,400 | 1,437 |
| Average equity | $-33,771,400 | 4,593 |
| Average total loans | $128,032,200 | 2,872 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,909 |
| Cost of funding earning assets | 2.7028% | 192 |
| Net interest margin | 1.2565% | 4,549 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.1324% | 4,498 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2176% | 4,210 |
| Return on assets (ROA) | 0.0546% | 4,368 |
| Pretax return on assets | 0.0470% | 4,361 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.6472% | 139 |
| Credit loss provision to net charge-offs | -1.5798% | 4,458 |
| Earnings coverage of net charge-offs (x) | 1.8041% | 2,516 |
| Efficiency ratio | 81.6458% | 750 |
| Assets per employee ($millions) | 17.2229% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 745 |
| Loan loss allowance to noncurrent loans | 112.5067% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 1,632 |
| Noncurrent loans to loans | 1.4873% | 495 |
| Net loans and leases to total assets | 23.0700% | 4,405 |
| Net loans and leases to deposits | 21.5433% | 4,443 |
| Net loans and leases to core deposits | 27.3840% | 4,407 |
| Total domestic deposits to total assets | 107.0800% | 17 |
| Equity capital to assets | -12.3688% | 4,640 |
| Core capital (leverage) ratio | 11.7701% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3623% | 265 |
| Memoranda: | ||
| Average total assets | $598,120,750 | 1,481 |
| Average earning assets | $565,675,000 | 1,448 |
| Average equity | $-37,200,500 | 4,622 |
| Average total loans | $130,410,500 | 2,860 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 4,010 |
| Cost of funding earning assets | 2.3701% | 237 |
| Net interest margin | 1.4363% | 4,583 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.1002% | 4,536 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3887% | 4,021 |
| Return on assets (ROA) | 0.3167% | 4,154 |
| Pretax return on assets | 0.3112% | 4,216 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.9582% | 92 |
| Credit loss provision to net charge-offs | -1.5798% | 4,491 |
| Earnings coverage of net charge-offs (x) | 2.1912% | 2,317 |
| Efficiency ratio | 71.0740% | 1,662 |
| Assets per employee ($millions) | 17.9792% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 690 |
| Loan loss allowance to noncurrent loans | 106.6667% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3312% | 1,598 |
| Noncurrent loans to loans | 1.6305% | 396 |
| Net loans and leases to total assets | 19.9600% | 4,458 |
| Net loans and leases to deposits | 19.9402% | 4,476 |
| Net loans and leases to core deposits | 25.0496% | 4,448 |
| Total domestic deposits to total assets | 100.1000% | 23 |
| Equity capital to assets | -4.8367% | 4,667 |
| Core capital (leverage) ratio | 11.5132% | 1,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1649% | 258 |
| Memoranda: | ||
| Average total assets | $619,524,333 | 1,432 |
| Average earning assets | $586,227,000 | 1,407 |
| Average equity | $-27,588,000 | 4,650 |
| Average total loans | $132,128,333 | 2,844 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,102 |
| Cost of funding earning assets | 2.0877% | 243 |
| Net interest margin | 1.5611% | 4,632 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.0869% | 4,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5785% | 3,731 |
| Return on assets (ROA) | 0.6165% | 3,613 |
| Pretax return on assets | 0.6120% | 3,823 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.1798% | 404 |
| Credit loss provision to net charge-offs | -387.0968% | 4,621 |
| Earnings coverage of net charge-offs (x) | 14.6452% | 1,565 |
| Efficiency ratio | 65.4359% | 2,277 |
| Assets per employee ($millions) | 20.2741% | 93 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 654 |
| Loan loss allowance to noncurrent loans | 133.0967% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 1,740 |
| Noncurrent loans to loans | 1.3585% | 487 |
| Net loans and leases to total assets | 20.4000% | 4,514 |
| Net loans and leases to deposits | 20.5502% | 4,536 |
| Net loans and leases to core deposits | 25.7951% | 4,497 |
| Total domestic deposits to total assets | 99.2600% | 7 |
| Equity capital to assets | -3.4014% | 4,693 |
| Core capital (leverage) ratio | 11.5366% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1138% | 346 |
| Memoranda: | ||
| Average total assets | $632,630,500 | 1,431 |
| Average earning assets | $599,322,500 | 1,401 |
| Average equity | $-27,033,500 | 4,674 |
| Average total loans | $137,934,000 | 2,817 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3797% | 3,400 |
| Cost of funding earning assets | 0.9535% | 203 |
| Net interest margin | 2.4263% | 4,345 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 0.9892% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5276% | 827 |
| Return on assets (ROA) | 1.5097% | 831 |
| Pretax return on assets | 1.5145% | 1,409 |
| Return on Equity (ROE) | 285.1900% | 2 |
| Retained earnings to average equity (ytd only) | 285.1916% | 1 |
| Net charge-offs to loans | 0.0046% | 2,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,674.8333% | 99 |
| Efficiency ratio | 39.2259% | 4,554 |
| Assets per employee ($millions) | 19.2653% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,464 |
| 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 | 22.5600% | 4,527 |
| Net loans and leases to deposits | 21.5814% | 4,562 |
| Net loans and leases to core deposits | 26.4241% | 4,523 |
| Total domestic deposits to total assets | 104.5500% | 1 |
| Equity capital to assets | -5.1907% | 4,726 |
| Core capital (leverage) ratio | 11.3129% | 1,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6441% | 386 |
| Memoranda: | ||
| Average total assets | $655,713,400 | 1,369 |
| Average earning assets | $624,458,200 | 1,338 |
| Average equity | $3,471,000 | 4,574 |
| Average total loans | $129,181,400 | 2,837 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 3,256 |
| Cost of funding earning assets | 0.7341% | 219 |
| Net interest margin | 2.5383% | 4,180 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 0.9406% | 4,689 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.6406% | 604 |
| Return on assets (ROA) | 1.6512% | 579 |
| Pretax return on assets | 1.6542% | 992 |
| Return on Equity (ROE) | 89.0600% | 6 |
| Retained earnings to average equity (ytd only) | 89.0614% | 2 |
| Net charge-offs to loans | 0.0032% | 2,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2,734.6667% | 41 |
| Efficiency ratio | 36.3982% | 4,640 |
| Assets per employee ($millions) | 19.8995% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,332 |
| 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 | 21.4300% | 4,576 |
| Net loans and leases to deposits | 20.8810% | 4,606 |
| Net loans and leases to core deposits | 25.2660% | 4,570 |
| Total domestic deposits to total assets | 102.6100% | 5 |
| Equity capital to assets | -6.9527% | 4,765 |
| Core capital (leverage) ratio | 10.9768% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2509% | 374 |
| Memoranda: | ||
| Average total assets | $665,519,250 | 1,357 |
| Average earning assets | $635,311,250 | 1,331 |
| Average equity | $12,338,750 | 3,679 |
| Average total loans | $126,204,750 | 2,868 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1200% | 3,256 |
| Cost of funding earning assets | 0.5785% | 326 |
| Net interest margin | 2.5415% | 4,015 |
| Noninterest income to average assets | 0.1520% | 4,252 |
| Noninterest expense to average assets | 0.9100% | 4,710 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6746% | 454 |
| Return on assets (ROA) | 1.6828% | 441 |
| Pretax return on assets | 1.6810% | 788 |
| Return on Equity (ROE) | 37.3093% | 33 |
| Retained earnings to average equity (ytd only) | 37.3093% | 16 |
| Net charge-offs to loans | 0.0081% | 1,695 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,140.4000% | 110 |
| Efficiency ratio | 35.2340% | 4,685 |
| Assets per employee ($millions) | 20.4011% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 1,428 |
| 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 | 20.1243% | 4,653 |
| Net loans and leases to deposits | 20.3255% | 4,670 |
| Net loans and leases to core deposits | 24.1347% | 4,646 |
| Total domestic deposits to total assets | 99.0105% | 14 |
| Equity capital to assets | -2.8130% | 4,771 |
| Core capital (leverage) ratio | 10.7103% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6500% | 389 |
| Memoranda: | ||
| Average total assets | $681,731,333 | 1,342 |
| Average earning assets | $652,060,667 | 1,322 |
| Average equity | $30,748,333 | 2,382 |
| Average total loans | $123,553,000 | 2,908 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9322% | 3,448 |
| Cost of funding earning assets | 0.5248% | 439 |
| Net interest margin | 2.4074% | 4,056 |
| Noninterest income to average assets | 0.1477% | 4,270 |
| Noninterest expense to average assets | 0.8515% | 4,748 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6076% | 498 |
| Return on assets (ROA) | 1.6128% | 493 |
| Pretax return on assets | 1.6128% | 810 |
| Return on Equity (ROE) | 20.3021% | 223 |
| Retained earnings to average equity (ytd only) | 20.3021% | 93 |
| Net charge-offs to loans | 0.0067% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,399.0000% | 55 |
| Efficiency ratio | 34.6262% | 4,711 |
| Assets per employee ($millions) | 20.3970% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6547% | 1,149 |
| 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 | 17.5975% | 4,693 |
| Net loans and leases to deposits | 18.4775% | 4,702 |
| Net loans and leases to core deposits | 22.0406% | 4,684 |
| Total domestic deposits to total assets | 95.2376% | 28 |
| Equity capital to assets | 4.3594% | 4,764 |
| Core capital (leverage) ratio | 10.6713% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9659% | 384 |
| Memoranda: | ||
| Average total assets | $696,179,000 | 1,327 |
| Average earning assets | $668,433,000 | 1,298 |
| Average equity | $55,304,500 | 1,588 |
| Average total loans | $118,645,000 | 2,955 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8025% | 4,205 |
| Cost of funding earning assets | 0.6004% | 541 |
| Net interest margin | 2.2021% | 4,486 |
| Noninterest income to average assets | 0.1530% | 4,384 |
| Noninterest expense to average assets | 0.9221% | 4,770 |
| Loan and lease loss provision to assets | 0.0447% | 2,164 |
| Net operating income to assets | 1.3217% | 1,547 |
| Return on assets (ROA) | 1.5088% | 1,037 |
| Pretax return on assets | 1.4873% | 1,765 |
| Return on Equity (ROE) | 12.8371% | 1,513 |
| Retained earnings to average equity (ytd only) | 10.5572% | 791 |
| Net charge-offs to loans | 0.0422% | 1,428 |
| Credit loss provision to net charge-offs | 697.6744% | 665 |
| Earnings coverage of net charge-offs (x) | 210.0698% | 521 |
| Efficiency ratio | 40.6777% | 4,673 |
| Assets per employee ($millions) | 22.4768% | 82 |
| Cash dividends to net income (ytd only)* | 17.7602% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7073% | 1,032 |
| Loan loss allowance to noncurrent loans | 28,500.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,202 |
| Noncurrent loans to loans | 0.0060% | 4,061 |
| Net loans and leases to total assets | 15.9683% | 4,754 |
| Net loans and leases to deposits | 18.1376% | 4,755 |
| Net loans and leases to core deposits | 21.7019% | 4,732 |
| Total domestic deposits to total assets | 88.0396% | 2,022 |
| Equity capital to assets | 11.2986% | 1,607 |
| Core capital (leverage) ratio | 10.7342% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2082% | 389 |
| Memoranda: | ||
| Average total assets | $671,704,400 | 1,323 |
| Average earning assets | $644,783,000 | 1,298 |
| Average equity | $78,950,800 | 1,220 |
| Average total loans | $101,954,000 | 3,171 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8187% | 4,280 |
| Cost of funding earning assets | 0.6273% | 546 |
| Net interest margin | 2.1914% | 4,574 |
| Noninterest income to average assets | 0.1528% | 4,430 |
| Noninterest expense to average assets | 0.9303% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3810% | 1,598 |
| Return on assets (ROA) | 1.5044% | 1,311 |
| Pretax return on assets | 1.4487% | 2,155 |
| Return on Equity (ROE) | 12.6658% | 1,815 |
| Retained earnings to average equity (ytd only) | 11.8151% | 873 |
| Net charge-offs to loans | 0.0570% | 1,077 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 156.1429% | 659 |
| Efficiency ratio | 41.2471% | 4,682 |
| Assets per employee ($millions) | 19.9391% | 103 |
| Cash dividends to net income (ytd only)* | 6.7159% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 1,492 |
| 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 | 16.0052% | 4,824 |
| Net loans and leases to deposits | 18.6639% | 4,825 |
| Net loans and leases to core deposits | 22.6771% | 4,809 |
| Total domestic deposits to total assets | 85.7549% | 2,840 |
| Equity capital to assets | 12.3377% | 1,244 |
| Core capital (leverage) ratio | 10.9718% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5771% | 394 |
| Memoranda: | ||
| Average total assets | $659,816,000 | 1,357 |
| Average earning assets | $633,137,000 | 1,331 |
| Average equity | $78,372,000 | 1,244 |
| Average total loans | $98,230,500 | 3,264 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8200% | 4,321 |
| Cost of funding earning assets | 0.6511% | 571 |
| Net interest margin | 2.1689% | 4,617 |
| Noninterest income to average assets | 0.1429% | 4,484 |
| Noninterest expense to average assets | 0.9416% | 4,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3729% | 1,644 |
| Return on assets (ROA) | 1.4632% | 1,453 |
| Pretax return on assets | 1.3714% | 2,414 |
| Return on Equity (ROE) | 12.4857% | 1,882 |
| Retained earnings to average equity (ytd only) | 12.4857% | 813 |
| Net charge-offs to loans | 0.0064% | 1,913 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,396.0000% | 84 |
| Efficiency ratio | 42.3617% | 4,683 |
| Assets per employee ($millions) | 20.4272% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7490% | 973 |
| Loan loss allowance to noncurrent loans | 1,399.1935% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,160 |
| Noncurrent loans to loans | 0.1250% | 3,563 |
| Net loans and leases to total assets | 14.4585% | 4,871 |
| Net loans and leases to deposits | 16.5852% | 4,871 |
| Net loans and leases to core deposits | 20.1698% | 4,855 |
| Total domestic deposits to total assets | 87.1770% | 2,228 |
| Equity capital to assets | 11.9792% | 1,373 |
| Core capital (leverage) ratio | 10.7390% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3092% | 413 |
| Memoranda: | ||
| Average total assets | $653,777,667 | 1,358 |
| Average earning assets | $626,955,667 | 1,334 |
| Average equity | $76,615,667 | 1,263 |
| Average total loans | $94,240,667 | 3,334 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7766% | 4,397 |
| Cost of funding earning assets | 0.6708% | 616 |
| Net interest margin | 2.1058% | 4,675 |
| Noninterest income to average assets | 0.1361% | 4,525 |
| Noninterest expense to average assets | 0.9384% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2169% | 2,081 |
| Return on assets (ROA) | 1.2448% | 2,076 |
| Pretax return on assets | 1.2448% | 2,715 |
| Return on Equity (ROE) | 10.7474% | 2,439 |
| Retained earnings to average equity (ytd only) | 10.7474% | 1,461 |
| Net charge-offs to loans | 0.0044% | 1,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,958.0000% | 39 |
| Efficiency ratio | 43.5409% | 4,605 |
| Assets per employee ($millions) | 19.6264% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8430% | 804 |
| Loan loss allowance to noncurrent loans | 1,400.8065% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 4,235 |
| Noncurrent loans to loans | 0.1316% | 3,654 |
| Net loans and leases to total assets | 14.2835% | 4,900 |
| Net loans and leases to deposits | 16.0691% | 4,901 |
| Net loans and leases to core deposits | 19.7562% | 4,889 |
| Total domestic deposits to total assets | 88.8879% | 1,398 |
| Equity capital to assets | 10.6091% | 2,161 |
| Core capital (leverage) ratio | 10.6799% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $643,618,500 | 1,369 |
| Average earning assets | $617,148,000 | 1,343 |
| Average equity | $74,548,000 | 1,282 |
| Average total loans | $91,761,500 | 3,383 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9295% | 4,687 |
| Cost of funding earning assets | 1.0732% | 449 |
| Net interest margin | 1.8563% | 4,872 |
| Noninterest income to average assets | 0.1499% | 4,547 |
| Noninterest expense to average assets | 0.9768% | 4,936 |
| Loan and lease loss provision to assets | 0.0935% | 3,184 |
| Net operating income to assets | 0.8978% | 2,709 |
| Return on assets (ROA) | 1.6889% | 558 |
| Pretax return on assets | 1.6400% | 980 |
| Return on Equity (ROE) | 13.8152% | 858 |
| Retained earnings to average equity (ytd only) | 11.6914% | 356 |
| Net charge-offs to loans | -0.0115% | 4,288 |
| Credit loss provision to net charge-offs | -5,580.0000% | 4,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8989% | 4,476 |
| Assets per employee ($millions) | 19.3808% | 99 |
| Cash dividends to net income (ytd only)* | 15.3724% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9468% | 652 |
| 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 | 13.6871% | 4,925 |
| Net loans and leases to deposits | 15.8481% | 4,928 |
| Net loans and leases to core deposits | 19.4647% | 4,907 |
| Total domestic deposits to total assets | 86.3643% | 2,201 |
| Equity capital to assets | 12.5685% | 1,286 |
| Core capital (leverage) ratio | 10.7272% | 1,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $597,029,000 | 1,335 |
| Average earning assets | $569,040,400 | 1,308 |
| Average equity | $72,985,000 | 1,251 |
| Average total loans | $87,010,000 | 3,455 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0088% | 4,726 |
| Cost of funding earning assets | 1.1903% | 386 |
| Net interest margin | 1.8185% | 4,934 |
| Noninterest income to average assets | 0.1494% | 4,555 |
| Noninterest expense to average assets | 0.9866% | 4,970 |
| Loan and lease loss provision to assets | 0.0757% | 3,377 |
| Net operating income to assets | 0.8872% | 2,748 |
| Return on assets (ROA) | 1.8938% | 413 |
| Pretax return on assets | 1.8247% | 749 |
| Return on Equity (ROE) | 15.6112% | 592 |
| Retained earnings to average equity (ytd only) | 14.2992% | 238 |
| Net charge-offs to loans | -0.0123% | 4,277 |
| Credit loss provision to net charge-offs | -4,162.5000% | 4,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4667% | 4,297 |
| Assets per employee ($millions) | 18.6830% | 101 |
| Cash dividends to net income (ytd only)* | 8.4044% | 3,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7636% | 785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 4,239 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 13.6510% | 4,962 |
| Net loans and leases to deposits | 15.8091% | 4,966 |
| Net loans and leases to core deposits | 19.5146% | 4,956 |
| Total domestic deposits to total assets | 86.3493% | 1,917 |
| Equity capital to assets | 12.5946% | 1,376 |
| Core capital (leverage) ratio | 11.0120% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $586,395,000 | 1,335 |
| Average earning assets | $558,165,000 | 1,311 |
| Average equity | $71,135,250 | 1,264 |
| Average total loans | $86,443,500 | 3,478 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1405% | 4,764 |
| Cost of funding earning assets | 1.3614% | 268 |
| Net interest margin | 1.7791% | 4,987 |
| Noninterest income to average assets | 0.1516% | 4,538 |
| Noninterest expense to average assets | 1.0060% | 5,005 |
| Loan and lease loss provision to assets | 0.0895% | 3,155 |
| Net operating income to assets | 0.8013% | 3,041 |
| Return on assets (ROA) | 2.0845% | 307 |
| Pretax return on assets | 2.0290% | 514 |
| Return on Equity (ROE) | 17.4209% | 412 |
| Retained earnings to average equity (ytd only) | 15.9708% | 177 |
| Net charge-offs to loans | -0.0161% | 4,348 |
| Credit loss provision to net charge-offs | -3,685.7143% | 4,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6363% | 4,105 |
| Assets per employee ($millions) | 17.6954% | 107 |
| Cash dividends to net income (ytd only)* | 8.3236% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 918 |
| Loan loss allowance to noncurrent loans | 28,700.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,306 |
| Noncurrent loans to loans | 0.0057% | 4,499 |
| Net loans and leases to total assets | 14.7227% | 4,989 |
| Net loans and leases to deposits | 17.0745% | 4,996 |
| Net loans and leases to core deposits | 21.1725% | 4,982 |
| Total domestic deposits to total assets | 86.2262% | 1,923 |
| Equity capital to assets | 12.6761% | 1,291 |
| Core capital (leverage) ratio | 10.8801% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $576,346,667 | 1,338 |
| Average earning assets | $547,362,333 | 1,314 |
| Average equity | $68,963,333 | 1,288 |
| Average total loans | $86,699,667 | 3,474 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1697% | 4,883 |
| Cost of funding earning assets | 1.5183% | 248 |
| Net interest margin | 1.6514% | 5,062 |
| Noninterest income to average assets | 0.1635% | 4,551 |
| Noninterest expense to average assets | 1.0214% | 5,058 |
| Loan and lease loss provision to assets | 0.0713% | 2,847 |
| Net operating income to assets | 0.6399% | 3,475 |
| Return on assets (ROA) | 2.4110% | 138 |
| Pretax return on assets | 2.4110% | 196 |
| Return on Equity (ROE) | 20.7785% | 138 |
| Retained earnings to average equity (ytd only) | 20.7785% | 56 |
| Net charge-offs to loans | -0.0185% | 4,309 |
| Credit loss provision to net charge-offs | -2,550.0000% | 3,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9516% | 3,881 |
| Assets per employee ($millions) | 17.6295% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 1,360 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,384 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 14.4477% | 5,039 |
| Net loans and leases to deposits | 16.8842% | 5,042 |
| Net loans and leases to core deposits | 21.0115% | 5,026 |
| Total domestic deposits to total assets | 85.5693% | 2,182 |
| Equity capital to assets | 11.9093% | 2,134 |
| Core capital (leverage) ratio | 10.7349% | 2,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $572,546,000 | 1,304 |
| Average earning assets | $544,026,000 | 1,275 |
| Average equity | $66,434,000 | 1,322 |
| Average total loans | $86,345,500 | 3,478 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 4,950 |
| Cost of funding earning assets | 1.6082% | 292 |
| Net interest margin | 1.7264% | 5,122 |
| Noninterest income to average assets | 0.1832% | 4,569 |
| Noninterest expense to average assets | 1.0788% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7826% | 3,607 |
| Return on assets (ROA) | 0.9507% | 3,100 |
| Pretax return on assets | 0.9063% | 3,725 |
| Return on Equity (ROE) | 8.6872% | 2,876 |
| Retained earnings to average equity (ytd only) | 3.4780% | 3,269 |
| Net charge-offs to loans | 0.0196% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 228.4706% | 359 |
| Efficiency ratio | 59.3766% | 3,781 |
| Assets per employee ($millions) | 18.1715% | 79 |
| Cash dividends to net income (ytd only)* | 59.9640% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3393% | 1,748 |
| Loan loss allowance to noncurrent loans | 13,000.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,392 |
| Noncurrent loans to loans | 0.0103% | 4,549 |
| Net loans and leases to total assets | 15.3008% | 5,096 |
| Net loans and leases to deposits | 17.4464% | 5,101 |
| Net loans and leases to core deposits | 21.5612% | 5,093 |
| Total domestic deposits to total assets | 87.7018% | 1,273 |
| Equity capital to assets | 11.2872% | 2,722 |
| Core capital (leverage) ratio | 10.3401% | 3,148 |
| Tier 1 risk-based capital ratio | 24.6758% | 773 |
| Total risk-based capital ratio | 25.1855% | 816 |
| Memoranda: | ||
| Average total assets | $526,219,400 | 1,362 |
| Average earning assets | $497,959,000 | 1,335 |
| Average equity | $57,590,200 | 1,410 |
| Average total loans | $86,838,800 | 3,469 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,041 |
| Cost of funding earning assets | 1.5955% | 307 |
| Net interest margin | 1.7671% | 5,203 |
| Noninterest income to average assets | 0.1898% | 4,577 |
| Noninterest expense to average assets | 1.1042% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8158% | 3,619 |
| Return on assets (ROA) | 1.0394% | 2,909 |
| Pretax return on assets | 0.9801% | 3,648 |
| Return on Equity (ROE) | 9.5793% | 2,631 |
| Retained earnings to average equity (ytd only) | 2.4483% | 4,119 |
| Net charge-offs to loans | 0.0246% | 2,610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 183.3366% | 468 |
| Efficiency ratio | 59.3429% | 3,759 |
| Assets per employee ($millions) | 16.5316% | 97 |
| Cash dividends to net income (ytd only)* | 74.4417% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3595% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,477 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 15.5744% | 5,179 |
| Net loans and leases to deposits | 17.8036% | 5,182 |
| Net loans and leases to core deposits | 21.4786% | 5,168 |
| Total domestic deposits to total assets | 87.4789% | 1,269 |
| Equity capital to assets | 11.4992% | 2,657 |
| Core capital (leverage) ratio | 10.8245% | 2,811 |
| Tier 1 risk-based capital ratio | 24.8565% | 773 |
| Total risk-based capital ratio | 25.3793% | 819 |
| Memoranda: | ||
| Average total assets | $516,944,750 | 1,389 |
| Average earning assets | $488,776,750 | 1,358 |
| Average equity | $56,092,000 | 1,441 |
| Average total loans | $86,708,000 | 3,514 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4486% | 5,046 |
| Cost of funding earning assets | 1.5825% | 289 |
| Net interest margin | 1.8661% | 5,253 |
| Noninterest income to average assets | 0.1758% | 4,694 |
| Noninterest expense to average assets | 1.1198% | 5,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9105% | 3,241 |
| Return on assets (ROA) | 1.0335% | 2,871 |
| Pretax return on assets | 0.9401% | 3,742 |
| Return on Equity (ROE) | 9.7330% | 2,515 |
| Retained earnings to average equity (ytd only) | 3.4225% | 3,529 |
| Net charge-offs to loans | 0.0115% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 414.6000% | 184 |
| Efficiency ratio | 57.8144% | 4,038 |
| Assets per employee ($millions) | 15.5598% | 94 |
| Cash dividends to net income (ytd only)* | 64.8360% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3794% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 4,508 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 16.4581% | 5,221 |
| Net loans and leases to deposits | 18.8413% | 5,223 |
| Net loans and leases to core deposits | 22.4144% | 5,213 |
| Total domestic deposits to total assets | 87.3513% | 1,407 |
| Equity capital to assets | 11.7418% | 2,393 |
| Core capital (leverage) ratio | 10.9655% | 2,633 |
| Tier 1 risk-based capital ratio | 25.2750% | 733 |
| Total risk-based capital ratio | 25.8127% | 774 |
| Memoranda: | ||
| Average total assets | $507,412,330 | 1,413 |
| Average earning assets | $478,855,670 | 1,387 |
| Average equity | $53,878,330 | 1,490 |
| Average total loans | $86,898,670 | 3,530 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 5,061 |
| Cost of funding earning assets | 1.5506% | 274 |
| Net interest margin | 1.9305% | 5,318 |
| Noninterest income to average assets | 0.1998% | 4,563 |
| Noninterest expense to average assets | 1.1317% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0405% | 2,691 |
| Return on assets (ROA) | 1.0690% | 2,634 |
| Pretax return on assets | 0.9223% | 3,691 |
| Return on Equity (ROE) | 10.6410% | 2,103 |
| Retained earnings to average equity (ytd only) | 6.6940% | 2,157 |
| Net charge-offs to loans | 0.0183% | 2,104 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 281.7500% | 289 |
| Efficiency ratio | 55.8731% | 4,352 |
| Assets per employee ($millions) | 15.3752% | 99 |
| Cash dividends to net income (ytd only)* | 37.0920% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 2,045 |
| Loan loss allowance to noncurrent loans | 839.0071% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,407 |
| Noncurrent loans to loans | 0.1562% | 4,040 |
| Net loans and leases to total assets | 17.5604% | 5,276 |
| Net loans and leases to deposits | 19.8103% | 5,280 |
| Net loans and leases to core deposits | 23.1815% | 5,267 |
| Total domestic deposits to total assets | 88.6430% | 1,019 |
| Equity capital to assets | 10.7361% | 3,123 |
| Core capital (leverage) ratio | 10.8998% | 2,666 |
| Tier 1 risk-based capital ratio | 25.6108% | 713 |
| Total risk-based capital ratio | 26.1569% | 754 |
| Memoranda: | ||
| Average total assets | $504,381,500 | 1,424 |
| Average earning assets | $476,979,500 | 1,394 |
| Average equity | $50,672,000 | 1,564 |
| Average total loans | $87,503,000 | 3,552 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3985% | 5,008 |
| Cost of funding earning assets | 1.2204% | 310 |
| Net interest margin | 2.1781% | 5,308 |
| Noninterest income to average assets | 0.1866% | 4,795 |
| Noninterest expense to average assets | 1.0985% | 5,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1364% | 2,448 |
| Return on assets (ROA) | 1.1897% | 2,220 |
| Pretax return on assets | 1.2011% | 2,878 |
| Return on Equity (ROE) | 11.9799% | 1,723 |
| Retained earnings to average equity (ytd only) | 0.1105% | 4,953 |
| Net charge-offs to loans | 0.0155% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 470.4167% | 221 |
| Efficiency ratio | 48.9140% | 5,001 |
| Assets per employee ($millions) | 15.1934% | 99 |
| Cash dividends to net income (ytd only)* | 99.0776% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 1,635 |
| Loan loss allowance to noncurrent loans | 289.5122% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 4,410 |
| Noncurrent loans to loans | 0.4839% | 2,825 |
| Net loans and leases to total assets | 16.6615% | 5,326 |
| Net loans and leases to deposits | 18.7463% | 5,331 |
| Net loans and leases to core deposits | 21.9949% | 5,313 |
| Total domestic deposits to total assets | 88.8788% | 910 |
| Equity capital to assets | 9.3483% | 4,269 |
| Core capital (leverage) ratio | 10.8242% | 2,707 |
| Tier 1 risk-based capital ratio | 25.9762% | 664 |
| Total risk-based capital ratio | 26.5408% | 708 |
| Memoranda: | ||
| Average total assets | $492,043,000 | 1,431 |
| Average earning assets | $465,181,200 | 1,403 |
| Average equity | $48,865,200 | 1,541 |
| Average total loans | $77,625,600 | 3,714 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3714% | 5,063 |
| Cost of funding earning assets | 1.1533% | 319 |
| Net interest margin | 2.2181% | 5,378 |
| Noninterest income to average assets | 0.1947% | 4,809 |
| Noninterest expense to average assets | 1.1185% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1638% | 2,396 |
| Return on assets (ROA) | 1.2334% | 2,112 |
| Pretax return on assets | 1.2437% | 2,838 |
| Return on Equity (ROE) | 12.2354% | 1,706 |
| Retained earnings to average equity (ytd only) | 2.9170% | 4,266 |
| Net charge-offs to loans | 0.0105% | 3,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 718.3150% | 122 |
| Efficiency ratio | 48.8002% | 5,014 |
| Assets per employee ($millions) | 14.9832% | 100 |
| Cash dividends to net income (ytd only)* | 76.1590% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,322 |
| 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 | 15.7602% | 5,406 |
| Net loans and leases to deposits | 17.4120% | 5,409 |
| Net loans and leases to core deposits | 20.6444% | 5,397 |
| Total domestic deposits to total assets | 90.5136% | 338 |
| Equity capital to assets | 8.8800% | 4,655 |
| Core capital (leverage) ratio | 11.2523% | 2,378 |
| Tier 1 risk-based capital ratio | 27.9513% | 574 |
| Total risk-based capital ratio | 28.5506% | 601 |
| Memoranda: | ||
| Average total assets | $489,708,000 | 1,441 |
| Average earning assets | $463,025,000 | 1,412 |
| Average equity | $49,363,750 | 1,541 |
| Average total loans | $75,850,750 | 3,786 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3632% | 5,078 |
| Cost of funding earning assets | 1.0962% | 294 |
| Net interest margin | 2.2670% | 5,427 |
| Noninterest income to average assets | 0.1971% | 4,839 |
| Noninterest expense to average assets | 1.1087% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2116% | 2,146 |
| Return on assets (ROA) | 1.2923% | 1,797 |
| Pretax return on assets | 1.3136% | 2,451 |
| Return on Equity (ROE) | 12.3245% | 1,612 |
| Retained earnings to average equity (ytd only) | 4.3140% | 3,443 |
| Net charge-offs to loans | 0.0134% | 2,689 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 601.0000% | 141 |
| Efficiency ratio | 47.3822% | 5,148 |
| Assets per employee ($millions) | 14.2968% | 112 |
| Cash dividends to net income (ytd only)* | 64.9968% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 1,273 |
| 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 | 15.7156% | 5,468 |
| Net loans and leases to deposits | 17.6482% | 5,476 |
| Net loans and leases to core deposits | 21.0870% | 5,459 |
| Total domestic deposits to total assets | 89.0492% | 914 |
| Equity capital to assets | 9.9895% | 3,632 |
| Core capital (leverage) ratio | 11.2801% | 2,276 |
| Tier 1 risk-based capital ratio | 28.2112% | 546 |
| Total risk-based capital ratio | 28.8165% | 575 |
| Memoranda: | ||
| Average total assets | $488,128,330 | 1,447 |
| Average earning assets | $461,402,670 | 1,421 |
| Average equity | $51,182,670 | 1,484 |
| Average total loans | $74,761,330 | 3,836 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 5,092 |
| Cost of funding earning assets | 1.0391% | 310 |
| Net interest margin | 2.2943% | 5,475 |
| Noninterest income to average assets | 0.1889% | 4,892 |
| Noninterest expense to average assets | 1.0982% | 5,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2610% | 1,772 |
| Return on assets (ROA) | 1.3558% | 1,476 |
| Pretax return on assets | 1.3558% | 2,168 |
| Return on Equity (ROE) | 12.6336% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.2047% | 1,393 |
| Net charge-offs to loans | 0.0218% | 2,068 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 385.5000% | 177 |
| Efficiency ratio | 46.5511% | 5,246 |
| Assets per employee ($millions) | 15.2331% | 93 |
| Cash dividends to net income (ytd only)* | 27.1411% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 1,084 |
| 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 | 14.7463% | 5,535 |
| Net loans and leases to deposits | 16.5176% | 5,537 |
| Net loans and leases to core deposits | 19.8588% | 5,522 |
| Total domestic deposits to total assets | 89.2760% | 974 |
| Equity capital to assets | 10.2068% | 3,382 |
| Core capital (leverage) ratio | 11.3888% | 2,095 |
| Tier 1 risk-based capital ratio | 28.8353% | 521 |
| Total risk-based capital ratio | 29.4533% | 542 |
| Memoranda: | ||
| Average total assets | $489,147,000 | 1,448 |
| Average earning assets | $462,721,000 | 1,424 |
| Average equity | $52,495,000 | 1,472 |
| Average total loans | $73,349,000 | 3,897 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3220% | 5,060 |
| Cost of funding earning assets | 0.9769% | 244 |
| Net interest margin | 2.3451% | 5,489 |
| Noninterest income to average assets | 0.2130% | 4,877 |
| Noninterest expense to average assets | 1.1531% | 5,591 |
| Loan and lease loss provision to assets | 0.0241% | 3,816 |
| Net operating income to assets | 2.1557% | 211 |
| Return on assets (ROA) | 2.2790% | 167 |
| Pretax return on assets | 1.3967% | 2,004 |
| Return on Equity (ROE) | 22.6854% | 108 |
| Retained earnings to average equity (ytd only) | 21.0162% | 36 |
| Net charge-offs to loans | 0.0204% | 3,424 |
| Credit loss provision to net charge-offs | 821.4286% | 419 |
| Earnings coverage of net charge-offs (x) | 442.1429% | 194 |
| Efficiency ratio | 47.0533% | 5,358 |
| Assets per employee ($millions) | 14.8738% | 95 |
| Cash dividends to net income (ytd only)* | 7.3584% | 3,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6286% | 1,075 |
| 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 | 14.7549% | 5,605 |
| Net loans and leases to deposits | 16.7330% | 5,612 |
| Net loans and leases to core deposits | 19.3912% | 5,594 |
| Total domestic deposits to total assets | 88.1783% | 1,401 |
| Equity capital to assets | 11.2535% | 2,396 |
| Core capital (leverage) ratio | 11.3311% | 2,077 |
| Tier 1 risk-based capital ratio | 28.0909% | 537 |
| Total risk-based capital ratio | 28.7085% | 562 |
| Memoranda: | ||
| Average total assets | $477,058,000 | 1,457 |
| Average earning assets | $455,209,000 | 1,424 |
| Average equity | $47,925,000 | 1,567 |
| Average total loans | $68,520,000 | 4,001 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3228% | 5,079 |
| Cost of funding earning assets | 0.9688% | 227 |
| Net interest margin | 2.3541% | 5,550 |
| Noninterest income to average assets | 0.1624% | 5,206 |
| Noninterest expense to average assets | 1.1106% | 5,662 |
| Loan and lease loss provision to assets | 0.0065% | 3,999 |
| Net operating income to assets | 1.1102% | 2,044 |
| Return on assets (ROA) | 1.1838% | 1,802 |
| Pretax return on assets | 1.3822% | 2,166 |
| Return on Equity (ROE) | 12.1624% | 1,289 |
| Retained earnings to average equity (ytd only) | 11.2947% | 368 |
| Net charge-offs to loans | 0.1011% | 1,770 |
| Credit loss provision to net charge-offs | 45.0980% | 2,966 |
| Earnings coverage of net charge-offs (x) | 90.7625% | 737 |
| Efficiency ratio | 46.0112% | 5,420 |
| Assets per employee ($millions) | 15.1396% | 89 |
| Cash dividends to net income (ytd only)* | 7.1344% | 3,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,520 |
| 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 | 14.4656% | 5,674 |
| Net loans and leases to deposits | 16.2892% | 5,677 |
| Net loans and leases to core deposits | 18.8841% | 5,666 |
| Total domestic deposits to total assets | 88.8048% | 967 |
| Equity capital to assets | 10.5949% | 3,266 |
| Core capital (leverage) ratio | 10.1594% | 3,364 |
| Tier 1 risk-based capital ratio | 27.1817% | 614 |
| Total risk-based capital ratio | 27.7832% | 628 |
| Memoranda: | ||
| Average total assets | $473,613,750 | 1,481 |
| Average earning assets | $452,938,000 | 1,442 |
| Average equity | $46,097,250 | 1,646 |
| Average total loans | $67,244,750 | 4,056 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3288% | 5,063 |
| Cost of funding earning assets | 0.9665% | 203 |
| Net interest margin | 2.3623% | 5,585 |
| Noninterest income to average assets | 0.1681% | 5,216 |
| Noninterest expense to average assets | 1.1175% | 5,716 |
| Loan and lease loss provision to assets | 0.0064% | 3,795 |
| Net operating income to assets | 1.1155% | 1,904 |
| Return on assets (ROA) | 1.1766% | 1,714 |
| Pretax return on assets | 1.3724% | 2,132 |
| Return on Equity (ROE) | 12.4681% | 1,172 |
| Retained earnings to average equity (ytd only) | 11.1153% | 422 |
| Net charge-offs to loans | 0.1365% | 1,339 |
| Credit loss provision to net charge-offs | 33.3333% | 2,701 |
| Earnings coverage of net charge-offs (x) | 68.2889% | 854 |
| Efficiency ratio | 46.0783% | 5,461 |
| Assets per employee ($millions) | 14.5616% | 96 |
| Cash dividends to net income (ytd only)* | 10.8499% | 3,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 1,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 14.2394% | 5,722 |
| Net loans and leases to deposits | 15.9994% | 5,728 |
| Net loans and leases to core deposits | 18.5099% | 5,713 |
| Total domestic deposits to total assets | 88.9999% | 955 |
| Equity capital to assets | 10.3489% | 3,513 |
| Core capital (leverage) ratio | 9.8032% | 3,774 |
| Tier 1 risk-based capital ratio | 26.3606% | 650 |
| Total risk-based capital ratio | 26.9607% | 681 |
| Memoranda: | ||
| Average total assets | $469,995,670 | 1,495 |
| Average earning assets | $449,050,330 | 1,453 |
| Average equity | $44,353,330 | 1,693 |
| Average total loans | $65,942,670 | 4,102 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 5,087 |
| Cost of funding earning assets | 0.9604% | 201 |
| Net interest margin | 2.3491% | 5,637 |
| Noninterest income to average assets | 0.1678% | 5,270 |
| Noninterest expense to average assets | 1.1224% | 5,785 |
| Loan and lease loss provision to assets | 0.0069% | 3,471 |
| Net operating income to assets | 1.1003% | 1,868 |
| Return on assets (ROA) | 1.1602% | 1,665 |
| Pretax return on assets | 1.3505% | 2,059 |
| Return on Equity (ROE) | 12.9413% | 1,009 |
| Retained earnings to average equity (ytd only) | 12.9413% | 380 |
| Net charge-offs to loans | 0.2618% | 695 |
| Credit loss provision to net charge-offs | 19.0476% | 2,176 |
| Earnings coverage of net charge-offs (x) | 35.6190% | 1,119 |
| Efficiency ratio | 46.5714% | 5,507 |
| Assets per employee ($millions) | 14.3802% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6509% | 1,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 13.3573% | 5,795 |
| Net loans and leases to deposits | 14.7706% | 5,798 |
| Net loans and leases to core deposits | 17.0070% | 5,788 |
| Total domestic deposits to total assets | 90.4319% | 498 |
| Equity capital to assets | 9.0330% | 4,776 |
| Core capital (leverage) ratio | 9.7989% | 3,756 |
| Tier 1 risk-based capital ratio | 26.5289% | 658 |
| Total risk-based capital ratio | 27.1454% | 681 |
| Memoranda: | ||
| Average total assets | $464,727,500 | 1,515 |
| Average earning assets | $443,574,500 | 1,471 |
| Average equity | $41,665,000 | 1,788 |
| Average total loans | $64,167,500 | 4,181 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 5,196 |
| Cost of funding earning assets | 0.9684% | 208 |
| Net interest margin | 2.3083% | 5,707 |
| Noninterest income to average assets | 0.1803% | 5,321 |
| Noninterest expense to average assets | 1.1926% | 5,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0230% | 2,246 |
| Return on assets (ROA) | 1.2304% | 1,500 |
| Pretax return on assets | 1.4380% | 1,790 |
| Return on Equity (ROE) | 11.4440% | 1,423 |
| Retained earnings to average equity (ytd only) | 9.9603% | 414 |
| Net charge-offs to loans | 0.0117% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 750.2857% | 101 |
| Efficiency ratio | 49.9094% | 5,488 |
| Assets per employee ($millions) | 13.7851% | 109 |
| Cash dividends to net income (ytd only)* | 12.9654% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 1,104 |
| Loan loss allowance to noncurrent loans | 15,685.7143% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,440 |
| Noncurrent loans to loans | 0.0110% | 5,245 |
| Net loans and leases to total assets | 13.8019% | 5,852 |
| Net loans and leases to deposits | 15.2328% | 5,857 |
| Net loans and leases to core deposits | 17.4241% | 5,846 |
| Total domestic deposits to total assets | 90.6067% | 415 |
| Equity capital to assets | 8.8950% | 4,918 |
| Core capital (leverage) ratio | 9.9599% | 3,535 |
| Tier 1 risk-based capital ratio | 26.4780% | 660 |
| Total risk-based capital ratio | 27.1324% | 687 |
| Memoranda: | ||
| Average total assets | $438,801,800 | 1,545 |
| Average earning assets | $419,969,800 | 1,500 |
| Average equity | $47,177,400 | 1,601 |
| Average total loans | $59,724,800 | 4,307 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3007% | 5,216 |
| Cost of funding earning assets | 0.9659% | 208 |
| Net interest margin | 2.3348% | 5,758 |
| Noninterest income to average assets | 0.1865% | 5,340 |
| Noninterest expense to average assets | 1.2107% | 5,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0369% | 2,259 |
| Return on assets (ROA) | 1.2736% | 1,474 |
| Pretax return on assets | 1.4913% | 1,735 |
| Return on Equity (ROE) | 11.3338% | 1,545 |
| Retained earnings to average equity (ytd only) | 10.3786% | 501 |
| Net charge-offs to loans | 0.0136% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 659.1500% | 143 |
| Efficiency ratio | 49.9557% | 5,501 |
| Assets per employee ($millions) | 13.5741% | 110 |
| Cash dividends to net income (ytd only)* | 8.4277% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8766% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 12.8283% | 5,922 |
| Net loans and leases to deposits | 14.7085% | 5,926 |
| Net loans and leases to core deposits | 16.9357% | 5,918 |
| Total domestic deposits to total assets | 87.2170% | 1,793 |
| Equity capital to assets | 11.8010% | 2,255 |
| Core capital (leverage) ratio | 10.1181% | 3,415 |
| Tier 1 risk-based capital ratio | 28.3018% | 565 |
| Total risk-based capital ratio | 29.0163% | 581 |
| Memoranda: | ||
| Average total assets | $434,775,500 | 1,559 |
| Average earning assets | $416,590,500 | 1,513 |
| Average equity | $48,855,750 | 1,563 |
| Average total loans | $58,685,000 | 4,371 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 5,149 |
| Cost of funding earning assets | 0.9661% | 201 |
| Net interest margin | 2.4016% | 5,807 |
| Noninterest income to average assets | 0.1840% | 5,395 |
| Noninterest expense to average assets | 1.2254% | 5,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0762% | 2,060 |
| Return on assets (ROA) | 1.3100% | 1,342 |
| Pretax return on assets | 1.5349% | 1,568 |
| Return on Equity (ROE) | 11.8644% | 1,369 |
| Retained earnings to average equity (ytd only) | 10.3913% | 528 |
| Net charge-offs to loans | 0.0034% | 3,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2,711.0000% | 15 |
| Efficiency ratio | 49.3082% | 5,603 |
| Assets per employee ($millions) | 13.6784% | 104 |
| Cash dividends to net income (ytd only)* | 12.4158% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 886 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 12.9778% | 6,000 |
| Net loans and leases to deposits | 14.9419% | 6,003 |
| Net loans and leases to core deposits | 17.1548% | 5,991 |
| Total domestic deposits to total assets | 86.8552% | 1,985 |
| Equity capital to assets | 12.0653% | 2,086 |
| Core capital (leverage) ratio | 9.8780% | 3,715 |
| Tier 1 risk-based capital ratio | 28.0152% | 591 |
| Total risk-based capital ratio | 28.7482% | 607 |
| Memoranda: | ||
| Average total assets | $430,385,330 | 1,576 |
| Average earning assets | $412,389,000 | 1,525 |
| Average equity | $47,520,330 | 1,595 |
| Average total loans | $58,725,670 | 4,388 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 5,129 |
| Cost of funding earning assets | 0.9595% | 215 |
| Net interest margin | 2.4413% | 5,852 |
| Noninterest income to average assets | 0.2025% | 5,289 |
| Noninterest expense to average assets | 1.2683% | 6,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0954% | 1,920 |
| Return on assets (ROA) | 1.1848% | 1,704 |
| Pretax return on assets | 1.3779% | 1,973 |
| Return on Equity (ROE) | 11.2669% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.2669% | 605 |
| Net charge-offs to loans | -0.0068% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8894% | 5,631 |
| Assets per employee ($millions) | 13.4679% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8762% | 1,002 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 13.4212% | 6,056 |
| Net loans and leases to deposits | 15.1592% | 6,057 |
| Net loans and leases to core deposits | 17.2032% | 6,044 |
| Total domestic deposits to total assets | 88.5353% | 1,339 |
| Equity capital to assets | 10.7218% | 3,230 |
| Core capital (leverage) ratio | 9.7227% | 3,885 |
| Tier 1 risk-based capital ratio | 27.4483% | 646 |
| Total risk-based capital ratio | 28.1891% | 663 |
| Memoranda: | ||
| Average total assets | $426,724,000 | 1,588 |
| Average earning assets | $408,963,000 | 1,536 |
| Average equity | $44,875,000 | 1,680 |
| Average total loans | $59,134,000 | 4,401 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4610% | 5,023 |
| Cost of funding earning assets | 0.9111% | 273 |
| Net interest margin | 2.5499% | 5,797 |
| Noninterest income to average assets | 0.2203% | 5,279 |
| Noninterest expense to average assets | 1.2906% | 6,080 |
| Loan and lease loss provision to assets | 0.0020% | 4,347 |
| Net operating income to assets | 0.8690% | 3,026 |
| Return on assets (ROA) | 1.0098% | 2,401 |
| Pretax return on assets | 1.5900% | 1,279 |
| Return on Equity (ROE) | 10.0194% | 2,003 |
| Retained earnings to average equity (ytd only) | 7.6024% | 1,064 |
| Net charge-offs to loans | 0.2701% | 1,126 |
| Credit loss provision to net charge-offs | 5.1948% | 3,859 |
| Earnings coverage of net charge-offs (x) | 35.4740% | 1,288 |
| Efficiency ratio | 48.4720% | 5,823 |
| Assets per employee ($millions) | 13.2023% | 113 |
| Cash dividends to net income (ytd only)* | 24.1234% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8628% | 1,028 |
| Loan loss allowance to noncurrent loans | 308.6592% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 5,291 |
| Noncurrent loans to loans | 0.6035% | 3,360 |
| Net loans and leases to total assets | 13.7795% | 6,114 |
| Net loans and leases to deposits | 15.4634% | 6,118 |
| Net loans and leases to core deposits | 17.6622% | 6,107 |
| Total domestic deposits to total assets | 89.1106% | 1,067 |
| Equity capital to assets | 10.3064% | 3,617 |
| Core capital (leverage) ratio | 9.6620% | 3,957 |
| Tier 1 risk-based capital ratio | 26.5709% | 697 |
| Total risk-based capital ratio | 27.3103% | 717 |
| Memoranda: | ||
| Average total assets | $398,179,800 | 1,656 |
| Average earning assets | $381,389,000 | 1,600 |
| Average equity | $40,132,200 | 1,795 |
| Average total loans | $57,006,800 | 4,464 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4803% | 5,028 |
| Cost of funding earning assets | 0.9018% | 288 |
| Net interest margin | 2.5784% | 5,856 |
| Noninterest income to average assets | 0.2346% | 5,250 |
| Noninterest expense to average assets | 1.3115% | 6,147 |
| Loan and lease loss provision to assets | 0.0027% | 4,197 |
| Net operating income to assets | 1.0125% | 2,409 |
| Return on assets (ROA) | 1.1905% | 1,746 |
| Pretax return on assets | 1.6345% | 1,284 |
| Return on Equity (ROE) | 11.8837% | 1,403 |
| Retained earnings to average equity (ytd only) | 9.9489% | 642 |
| Net charge-offs to loans | -0.0047% | 4,819 |
| Credit loss provision to net charge-offs | -400.0000% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4852% | 5,852 |
| Assets per employee ($millions) | 12.6293% | 131 |
| Cash dividends to net income (ytd only)* | 16.2811% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1911% | 674 |
| Loan loss allowance to noncurrent loans | 319.2405% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 5,357 |
| Noncurrent loans to loans | 0.6863% | 3,264 |
| Net loans and leases to total assets | 13.9287% | 6,200 |
| Net loans and leases to deposits | 15.5518% | 6,206 |
| Net loans and leases to core deposits | 17.6671% | 6,197 |
| Total domestic deposits to total assets | 89.5637% | 745 |
| Equity capital to assets | 9.9449% | 4,232 |
| Core capital (leverage) ratio | 9.9037% | 3,766 |
| Tier 1 risk-based capital ratio | 26.9425% | 692 |
| Total risk-based capital ratio | 27.8180% | 703 |
| Memoranda: | ||
| Average total assets | $392,106,250 | 1,693 |
| Average earning assets | $375,670,000 | 1,631 |
| Average equity | $39,279,750 | 1,843 |
| Average total loans | $56,428,500 | 4,531 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4991% | 4,982 |
| Cost of funding earning assets | 0.9026% | 284 |
| Net interest margin | 2.5965% | 5,887 |
| Noninterest income to average assets | 0.2448% | 5,208 |
| Noninterest expense to average assets | 1.3260% | 6,208 |
| Loan and lease loss provision to assets | 0.0041% | 4,007 |
| Net operating income to assets | 1.0261% | 2,256 |
| Return on assets (ROA) | 1.2492% | 1,529 |
| Pretax return on assets | 1.7109% | 1,063 |
| Return on Equity (ROE) | 12.4384% | 1,243 |
| Retained earnings to average equity (ytd only) | 9.5135% | 777 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4740% | 5,934 |
| Assets per employee ($millions) | 12.1382% | 145 |
| Cash dividends to net income (ytd only)* | 23.5149% | 3,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2683% | 663 |
| Loan loss allowance to noncurrent loans | 316.3317% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 5,461 |
| Noncurrent loans to loans | 0.7171% | 3,339 |
| Net loans and leases to total assets | 13.9654% | 6,273 |
| Net loans and leases to deposits | 15.4717% | 6,282 |
| Net loans and leases to core deposits | 17.2948% | 6,271 |
| Total domestic deposits to total assets | 90.2642% | 554 |
| Equity capital to assets | 9.2551% | 4,950 |
| Core capital (leverage) ratio | 9.6280% | 4,104 |
| Tier 1 risk-based capital ratio | 26.3301% | 748 |
| Total risk-based capital ratio | 27.2137% | 769 |
| Memoranda: | ||
| Average total assets | $388,096,330 | 1,718 |
| Average earning assets | $372,265,670 | 1,652 |
| Average equity | $38,976,000 | 1,862 |
| Average total loans | $56,054,000 | 4,585 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4967% | 4,980 |
| Cost of funding earning assets | 0.8962% | 295 |
| Net interest margin | 2.6005% | 5,923 |
| Noninterest income to average assets | 0.3330% | 4,526 |
| Noninterest expense to average assets | 1.3745% | 6,249 |
| Loan and lease loss provision to assets | 0.0082% | 3,605 |
| Net operating income to assets | 1.0653% | 1,984 |
| Return on assets (ROA) | 1.3528% | 1,199 |
| Pretax return on assets | 1.8426% | 808 |
| Return on Equity (ROE) | 12.9614% | 1,102 |
| Retained earnings to average equity (ytd only) | 12.9614% | 450 |
| Net charge-offs to loans | 0.0142% | 2,886 |
| Credit loss provision to net charge-offs | 400.0000% | 659 |
| Earnings coverage of net charge-offs (x) | 706.5000% | 64 |
| Efficiency ratio | 48.5433% | 5,991 |
| Assets per employee ($millions) | 12.7135% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2959% | 704 |
| Loan loss allowance to noncurrent loans | 315.8291% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 5,546 |
| Noncurrent loans to loans | 0.7270% | 3,441 |
| Net loans and leases to total assets | 13.5726% | 6,337 |
| Net loans and leases to deposits | 15.2513% | 6,352 |
| Net loans and leases to core deposits | 17.0595% | 6,334 |
| Total domestic deposits to total assets | 88.9931% | 1,275 |
| Equity capital to assets | 10.4758% | 3,560 |
| Core capital (leverage) ratio | 9.5808% | 4,171 |
| Tier 1 risk-based capital ratio | 26.4615% | 757 |
| Total risk-based capital ratio | 27.3668% | 760 |
| Memoranda: | ||
| Average total assets | $387,933,000 | 1,720 |
| Average earning assets | $372,695,500 | 1,660 |
| Average equity | $40,489,500 | 1,811 |
| Average total loans | $56,329,000 | 4,599 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,691 |
| Cost of funding earning assets | 0.9824% | 254 |
| Net interest margin | 2.7523% | 5,873 |
| Noninterest income to average assets | 0.2087% | 5,613 |
| Noninterest expense to average assets | 1.3147% | 6,391 |
| Loan and lease loss provision to assets | 0.0081% | 4,462 |
| Net operating income to assets | 1.1925% | 1,606 |
| Return on assets (ROA) | 1.2785% | 1,402 |
| Pretax return on assets | 1.6135% | 1,198 |
| Return on Equity (ROE) | 15.0925% | 767 |
| Retained earnings to average equity (ytd only) | 12.3768% | 270 |
| Net charge-offs to loans | 0.0331% | 4,168 |
| Credit loss provision to net charge-offs | 157.8947% | 1,532 |
| Earnings coverage of net charge-offs (x) | 294.2105% | 189 |
| Efficiency ratio | 46.4969% | 6,245 |
| Assets per employee ($millions) | 12.3145% | 129 |
| Cash dividends to net income (ytd only)* | 17.9932% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 873 |
| Loan loss allowance to noncurrent loans | 276.1589% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 5,557 |
| Noncurrent loans to loans | 0.7823% | 3,349 |
| Net loans and leases to total assets | 14.8417% | 6,421 |
| Net loans and leases to deposits | 16.6418% | 6,431 |
| Net loans and leases to core deposits | 18.8021% | 6,416 |
| Total domestic deposits to total assets | 89.1832% | 1,131 |
| Equity capital to assets | 10.3974% | 3,613 |
| Core capital (leverage) ratio | 9.7298% | 3,929 |
| Tier 1 risk-based capital ratio | 26.3874% | 729 |
| Total risk-based capital ratio | 27.2884% | 747 |
| Memoranda: | ||
| Average total assets | $369,505,000 | 1,757 |
| Average earning assets | $351,594,200 | 1,701 |
| Average equity | $31,300,400 | 2,202 |
| Average total loans | $57,359,400 | 4,574 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 4,582 |
| Cost of funding earning assets | 0.9963% | 252 |
| Net interest margin | 2.7922% | 5,880 |
| Noninterest income to average assets | 0.2281% | 5,561 |
| Noninterest expense to average assets | 1.3382% | 6,438 |
| Loan and lease loss provision to assets | 0.0084% | 4,250 |
| Net operating income to assets | 1.2726% | 1,457 |
| Return on assets (ROA) | 1.3517% | 1,300 |
| Pretax return on assets | 1.6282% | 1,238 |
| Return on Equity (ROE) | 16.9616% | 552 |
| Retained earnings to average equity (ytd only) | 14.9070% | 210 |
| Net charge-offs to loans | 0.0466% | 3,564 |
| Credit loss provision to net charge-offs | 115.0000% | 1,974 |
| Earnings coverage of net charge-offs (x) | 211.7683% | 308 |
| Efficiency ratio | 46.4746% | 6,273 |
| Assets per employee ($millions) | 12.3016% | 133 |
| Cash dividends to net income (ytd only)* | 12.1132% | 3,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 981 |
| Loan loss allowance to noncurrent loans | 195.1334% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 5,506 |
| Noncurrent loans to loans | 1.1141% | 2,837 |
| Net loans and leases to total assets | 15.1554% | 6,502 |
| Net loans and leases to deposits | 16.8524% | 6,514 |
| Net loans and leases to core deposits | 19.1844% | 6,497 |
| Total domestic deposits to total assets | 89.9306% | 768 |
| Equity capital to assets | 9.5966% | 4,671 |
| Core capital (leverage) ratio | 9.7423% | 4,010 |
| Tier 1 risk-based capital ratio | 26.2919% | 760 |
| Total risk-based capital ratio | 27.2003% | 769 |
| Memoranda: | ||
| Average total assets | $366,444,250 | 1,788 |
| Average earning assets | $347,958,000 | 1,728 |
| Average equity | $29,202,500 | 2,336 |
| Average total loans | $57,222,000 | 4,617 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8070% | 4,502 |
| Cost of funding earning assets | 1.0068% | 250 |
| Net interest margin | 2.8002% | 5,911 |
| Noninterest income to average assets | 0.2473% | 5,431 |
| Noninterest expense to average assets | 1.3469% | 6,505 |
| Loan and lease loss provision to assets | 0.0082% | 4,072 |
| Net operating income to assets | 1.2734% | 1,381 |
| Return on assets (ROA) | 1.3223% | 1,295 |
| Pretax return on assets | 1.6040% | 1,244 |
| Return on Equity (ROE) | 17.8170% | 478 |
| Retained earnings to average equity (ytd only) | 14.4998% | 238 |
| Net charge-offs to loans | 0.0454% | 3,329 |
| Credit loss provision to net charge-offs | 115.3846% | 1,755 |
| Earnings coverage of net charge-offs (x) | 218.3077% | 308 |
| Efficiency ratio | 46.4528% | 6,341 |
| Assets per employee ($millions) | 12.7949% | 109 |
| Cash dividends to net income (ytd only)* | 18.6181% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1885% | 1,045 |
| Loan loss allowance to noncurrent loans | 139.0817% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 5,378 |
| Noncurrent loans to loans | 1.5735% | 2,205 |
| Net loans and leases to total assets | 14.9601% | 6,562 |
| Net loans and leases to deposits | 16.5320% | 6,580 |
| Net loans and leases to core deposits | 19.0101% | 6,557 |
| Total domestic deposits to total assets | 90.4919% | 592 |
| Equity capital to assets | 8.9925% | 5,310 |
| Core capital (leverage) ratio | 9.3354% | 4,543 |
| Tier 1 risk-based capital ratio | 24.7319% | 902 |
| Total risk-based capital ratio | 25.6180% | 924 |
| Memoranda: | ||
| Average total assets | $365,576,000 | 1,793 |
| Average earning assets | $346,260,330 | 1,732 |
| Average equity | $27,131,330 | 2,471 |
| Average total loans | $57,238,000 | 4,647 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8546% | 4,275 |
| Cost of funding earning assets | 1.0154% | 257 |
| Net interest margin | 2.8392% | 5,866 |
| Noninterest income to average assets | 0.3660% | 4,459 |
| Noninterest expense to average assets | 1.4398% | 6,535 |
| Loan and lease loss provision to assets | 0.0088% | 3,712 |
| Net operating income to assets | 1.2929% | 1,237 |
| Return on assets (ROA) | 1.3152% | 1,218 |
| Pretax return on assets | 1.6239% | 1,127 |
| Return on Equity (ROE) | 19.8722% | 296 |
| Retained earnings to average equity (ytd only) | 19.8722% | 121 |
| Net charge-offs to loans | 0.0626% | 2,536 |
| Credit loss provision to net charge-offs | 88.8889% | 1,811 |
| Earnings coverage of net charge-offs (x) | 161.7778% | 303 |
| Efficiency ratio | 47.2846% | 6,388 |
| Assets per employee ($millions) | 12.6621% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1549% | 1,227 |
| Loan loss allowance to noncurrent loans | 189.4495% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 5,694 |
| Noncurrent loans to loans | 1.1375% | 3,144 |
| Net loans and leases to total assets | 15.3207% | 6,630 |
| Net loans and leases to deposits | 16.6167% | 6,645 |
| Net loans and leases to core deposits | 19.0099% | 6,627 |
| Total domestic deposits to total assets | 92.2008% | 203 |
| Equity capital to assets | 7.3022% | 6,378 |
| Core capital (leverage) ratio | 9.1729% | 4,757 |
| Tier 1 risk-based capital ratio | 23.5770% | 1,063 |
| Total risk-based capital ratio | 24.4394% | 1,100 |
| Memoranda: | ||
| Average total assets | $362,837,500 | 1,811 |
| Average earning assets | $342,345,000 | 1,760 |
| Average equity | $24,013,500 | 2,754 |
| Average total loans | $57,481,000 | 4,670 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 4,681 |
| Cost of funding earning assets | 1.0826% | 311 |
| Net interest margin | 2.7505% | 6,063 |
| Noninterest income to average assets | 0.2619% | 5,473 |
| Noninterest expense to average assets | 1.3205% | 6,678 |
| Loan and lease loss provision to assets | 0.0088% | 4,949 |
| Net operating income to assets | 1.4437% | 929 |
| Return on assets (ROA) | 1.6228% | 679 |
| Pretax return on assets | 1.7355% | 884 |
| Return on Equity (ROE) | 20.9534% | 239 |
| Retained earnings to average equity (ytd only) | 16.7975% | 128 |
| Net charge-offs to loans | 0.0018% | 5,449 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 5,310.0000% | 7 |
| Efficiency ratio | 45.9432% | 6,558 |
| Assets per employee ($millions) | 12.3611% | 131 |
| Cash dividends to net income (ytd only)* | 19.8341% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1578% | 1,240 |
| Loan loss allowance to noncurrent loans | 953.8462% | 527 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 6,271 |
| Noncurrent loans to loans | 0.2262% | 5,511 |
| Net loans and leases to total assets | 15.6846% | 6,712 |
| Net loans and leases to deposits | 16.9968% | 6,726 |
| Net loans and leases to core deposits | 19.4617% | 6,709 |
| Total domestic deposits to total assets | 92.2798% | 239 |
| Equity capital to assets | 5.9176% | 6,624 |
| Core capital (leverage) ratio | 9.0758% | 4,897 |
| Tier 1 risk-based capital ratio | 22.4393% | 1,183 |
| Total risk-based capital ratio | 23.2911% | 1,225 |
| Memoranda: | ||
| Average total assets | $341,754,800 | 1,885 |
| Average earning assets | $324,600,400 | 1,826 |
| Average equity | $26,468,200 | 2,505 |
| Average total loans | $56,518,400 | 4,731 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7943% | 4,875 |
| Cost of funding earning assets | 1.0868% | 332 |
| Net interest margin | 2.7075% | 6,163 |
| Noninterest income to average assets | 0.2634% | 5,563 |
| Noninterest expense to average assets | 1.3445% | 6,718 |
| Loan and lease loss provision to assets | 0.0091% | 4,802 |
| Net operating income to assets | 1.4579% | 970 |
| Return on assets (ROA) | 1.7134% | 642 |
| Pretax return on assets | 1.7505% | 993 |
| Return on Equity (ROE) | 20.8187% | 252 |
| Retained earnings to average equity (ytd only) | 17.4593% | 120 |
| Net charge-offs to loans | 0.0024% | 5,166 |
| Credit loss provision to net charge-offs | 2,300.0000% | 144 |
| Earnings coverage of net charge-offs (x) | 3,804.4135% | 8 |
| Efficiency ratio | 47.2843% | 6,535 |
| Assets per employee ($millions) | 12.1940% | 135 |
| Cash dividends to net income (ytd only)* | 16.1365% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1890% | 1,347 |
| Loan loss allowance to noncurrent loans | 934.0909% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 6,356 |
| Noncurrent loans to loans | 0.2344% | 5,647 |
| Net loans and leases to total assets | 16.1359% | 6,792 |
| Net loans and leases to deposits | 17.3366% | 6,808 |
| Net loans and leases to core deposits | 20.4626% | 6,787 |
| Total domestic deposits to total assets | 93.0739% | 118 |
| Equity capital to assets | 6.4525% | 6,649 |
| Core capital (leverage) ratio | 9.1498% | 4,900 |
| Tier 1 risk-based capital ratio | 22.4757% | 1,228 |
| Total risk-based capital ratio | 23.3462% | 1,286 |
| Memoranda: | ||
| Average total assets | $337,575,250 | 1,914 |
| Average earning assets | $321,666,500 | 1,855 |
| Average equity | $27,782,000 | 2,425 |
| Average total loans | $56,281,750 | 4,783 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7154% | 5,100 |
| Cost of funding earning assets | 1.0796% | 365 |
| Net interest margin | 2.6357% | 6,292 |
| Noninterest income to average assets | 0.2873% | 5,397 |
| Noninterest expense to average assets | 1.3048% | 6,787 |
| Loan and lease loss provision to assets | 0.0089% | 4,683 |
| Net operating income to assets | 1.4303% | 1,018 |
| Return on assets (ROA) | 1.7586% | 604 |
| Pretax return on assets | 1.8425% | 838 |
| Return on Equity (ROE) | 19.9131% | 304 |
| Retained earnings to average equity (ytd only) | 15.1992% | 225 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4240% | 6,619 |
| Assets per employee ($millions) | 12.1784% | 131 |
| Cash dividends to net income (ytd only)* | 23.6726% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1589% | 1,514 |
| Loan loss allowance to noncurrent loans | 882.0144% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 6,384 |
| Noncurrent loans to loans | 0.2448% | 5,692 |
| Net loans and leases to total assets | 16.2937% | 6,834 |
| Net loans and leases to deposits | 17.6919% | 6,853 |
| Net loans and leases to core deposits | 20.6970% | 6,835 |
| Total domestic deposits to total assets | 92.0970% | 233 |
| Equity capital to assets | 7.4825% | 6,447 |
| Core capital (leverage) ratio | 8.9311% | 5,100 |
| Tier 1 risk-based capital ratio | 22.3143% | 1,235 |
| Total risk-based capital ratio | 23.2130% | 1,272 |
| Memoranda: | ||
| Average total assets | $336,289,670 | 1,929 |
| Average earning assets | $321,958,670 | 1,860 |
| Average equity | $29,699,000 | 2,298 |
| Average total loans | $56,267,000 | 4,814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 5,350 |
| Cost of funding earning assets | 1.0748% | 421 |
| Net interest margin | 2.5588% | 6,425 |
| Noninterest income to average assets | 0.4324% | 4,233 |
| Noninterest expense to average assets | 1.3787% | 6,833 |
| Loan and lease loss provision to assets | 0.0084% | 4,345 |
| Net operating income to assets | 1.3934% | 1,043 |
| Return on assets (ROA) | 1.8518% | 481 |
| Pretax return on assets | 2.0076% | 585 |
| Return on Equity (ROE) | 19.4520% | 326 |
| Retained earnings to average equity (ytd only) | 19.4520% | 153 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6013% | 6,629 |
| Assets per employee ($millions) | 12.1108% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2333% | 1,518 |
| Loan loss allowance to noncurrent loans | 840.0000% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 6,476 |
| Noncurrent loans to loans | 0.2659% | 5,744 |
| Net loans and leases to total assets | 15.7241% | 6,912 |
| Net loans and leases to deposits | 17.4225% | 6,928 |
| Net loans and leases to core deposits | 20.3494% | 6,904 |
| Total domestic deposits to total assets | 90.2516% | 906 |
| Equity capital to assets | 9.3217% | 5,105 |
| Core capital (leverage) ratio | 9.0204% | 4,852 |
| Tier 1 risk-based capital ratio | 23.5742% | 1,077 |
| Total risk-based capital ratio | 24.5406% | 1,093 |
| Memoranda: | ||
| Average total assets | $333,936,500 | 1,965 |
| Average earning assets | $321,551,500 | 1,881 |
| Average equity | $31,791,000 | 2,196 |
| Average total loans | $56,007,000 | 4,861 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8378% | 5,740 |
| Cost of funding earning assets | 1.1374% | 781 |
| Net interest margin | 2.7003% | 6,519 |
| Noninterest income to average assets | 0.3589% | 4,911 |
| Noninterest expense to average assets | 1.2729% | 6,968 |
| Loan and lease loss provision to assets | 0.0098% | 5,798 |
| Net operating income to assets | 1.4792% | 959 |
| Return on assets (ROA) | 2.0886% | 339 |
| Pretax return on assets | 2.3790% | 301 |
| Return on Equity (ROE) | 21.6022% | 232 |
| Retained earnings to average equity (ytd only) | 20.2464% | 58 |
| Net charge-offs to loans | 0.0213% | 5,603 |
| Credit loss provision to net charge-offs | 250.0000% | 973 |
| Earnings coverage of net charge-offs (x) | 431.3333% | 90 |
| Efficiency ratio | 42.8698% | 6,882 |
| Assets per employee ($millions) | 11.7418% | 157 |
| Cash dividends to net income (ytd only)* | 6.2765% | 4,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1070% | 1,754 |
| Loan loss allowance to noncurrent loans | 801.9868% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 6,523 |
| Noncurrent loans to loans | 0.2627% | 5,820 |
| Net loans and leases to total assets | 17.1135% | 6,964 |
| Net loans and leases to deposits | 19.0685% | 6,981 |
| Net loans and leases to core deposits | 22.1950% | 6,961 |
| Total domestic deposits to total assets | 89.7475% | 1,095 |
| Equity capital to assets | 9.7247% | 4,563 |
| Core capital (leverage) ratio | 8.9658% | 4,954 |
| Tier 1 risk-based capital ratio | 23.7207% | 1,006 |
| Total risk-based capital ratio | 24.7411% | 1,016 |
| Memoranda: | ||
| Average total assets | $305,131,600 | 2,105 |
| Average earning assets | $294,962,000 | 2,002 |
| Average equity | $29,501,600 | 2,280 |
| Average total loans | $56,381,200 | 4,855 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 5,716 |
| Cost of funding earning assets | 1.1534% | 852 |
| Net interest margin | 2.7764% | 6,534 |
| Noninterest income to average assets | 0.4117% | 4,541 |
| Noninterest expense to average assets | 1.2931% | 7,048 |
| Loan and lease loss provision to assets | 0.0102% | 5,680 |
| Net operating income to assets | 1.5703% | 916 |
| Return on assets (ROA) | 2.1228% | 354 |
| Pretax return on assets | 2.4231% | 332 |
| Return on Equity (ROE) | 21.9909% | 240 |
| Retained earnings to average equity (ytd only) | 20.1444% | 85 |
| Net charge-offs to loans | 0.0238% | 5,335 |
| Credit loss provision to net charge-offs | 230.0000% | 1,202 |
| Earnings coverage of net charge-offs (x) | 405.2911% | 115 |
| Efficiency ratio | 41.7314% | 6,972 |
| Assets per employee ($millions) | 11.7247% | 156 |
| Cash dividends to net income (ytd only)* | 8.3963% | 3,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 1,753 |
| Loan loss allowance to noncurrent loans | 768.1529% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 6,630 |
| Noncurrent loans to loans | 0.2834% | 5,923 |
| Net loans and leases to total assets | 17.1164% | 7,060 |
| Net loans and leases to deposits | 19.2124% | 7,078 |
| Net loans and leases to core deposits | 22.6125% | 7,059 |
| Total domestic deposits to total assets | 89.0908% | 1,376 |
| Equity capital to assets | 9.9644% | 4,542 |
| Core capital (leverage) ratio | 8.9371% | 5,144 |
| Tier 1 risk-based capital ratio | 24.9814% | 909 |
| Total risk-based capital ratio | 26.1173% | 914 |
| Memoranda: | ||
| Average total assets | $299,222,000 | 2,164 |
| Average earning assets | $289,574,250 | 2,064 |
| Average equity | $28,884,000 | 2,340 |
| Average total loans | $56,107,750 | 4,913 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 5,315 |
| Cost of funding earning assets | 1.1803% | 895 |
| Net interest margin | 2.9189% | 6,398 |
| Noninterest income to average assets | 0.2222% | 5,981 |
| Noninterest expense to average assets | 1.1559% | 7,156 |
| Loan and lease loss provision to assets | 0.0102% | 5,532 |
| Net operating income to assets | 1.6653% | 727 |
| Return on assets (ROA) | 2.1115% | 376 |
| Pretax return on assets | 2.3882% | 353 |
| Return on Equity (ROE) | 22.1307% | 246 |
| Retained earnings to average equity (ytd only) | 19.2733% | 119 |
| Net charge-offs to loans | 0.0355% | 4,888 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 277.5000% | 154 |
| Efficiency ratio | 37.9333% | 7,094 |
| Assets per employee ($millions) | 11.5937% | 158 |
| Cash dividends to net income (ytd only)* | 12.9116% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1423% | 1,904 |
| Loan loss allowance to noncurrent loans | 713.0952% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 6,682 |
| Noncurrent loans to loans | 0.3004% | 5,960 |
| Net loans and leases to total assets | 18.1544% | 7,109 |
| Net loans and leases to deposits | 20.4366% | 7,131 |
| Net loans and leases to core deposits | 24.2021% | 7,096 |
| Total domestic deposits to total assets | 88.8325% | 1,617 |
| Equity capital to assets | 10.0479% | 4,263 |
| Core capital (leverage) ratio | 8.4800% | 5,673 |
| Tier 1 risk-based capital ratio | 23.6202% | 1,061 |
| Total risk-based capital ratio | 24.7592% | 1,057 |
| Memoranda: | ||
| Average total assets | $293,440,330 | 2,199 |
| Average earning assets | $284,006,670 | 2,100 |
| Average equity | $27,997,330 | 2,395 |
| Average total loans | $56,346,670 | 4,942 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 5,484 |
| Cost of funding earning assets | 1.1903% | 1,026 |
| Net interest margin | 2.9022% | 6,484 |
| Noninterest income to average assets | 0.1686% | 6,374 |
| Noninterest expense to average assets | 1.1166% | 7,230 |
| Loan and lease loss provision to assets | 0.0111% | 5,163 |
| Net operating income to assets | 1.6796% | 749 |
| Return on assets (ROA) | 1.9956% | 484 |
| Pretax return on assets | 2.2056% | 535 |
| Return on Equity (ROE) | 21.5105% | 295 |
| Retained earnings to average equity (ytd only) | 21.5105% | 144 |
| Net charge-offs to loans | 0.0637% | 3,859 |
| Credit loss provision to net charge-offs | 88.8889% | 2,565 |
| Earnings coverage of net charge-offs (x) | 150.0000% | 243 |
| Efficiency ratio | 37.4421% | 7,161 |
| Assets per employee ($millions) | 12.9084% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1250% | 2,039 |
| Loan loss allowance to noncurrent loans | 722.4242% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 6,752 |
| Noncurrent loans to loans | 0.2941% | 6,085 |
| Net loans and leases to total assets | 18.4921% | 7,164 |
| Net loans and leases to deposits | 20.7226% | 7,183 |
| Net loans and leases to core deposits | 24.5864% | 7,145 |
| Total domestic deposits to total assets | 89.2366% | 1,527 |
| Equity capital to assets | 9.2750% | 5,127 |
| Core capital (leverage) ratio | 8.3627% | 5,791 |
| Tier 1 risk-based capital ratio | 22.9241% | 1,144 |
| Total risk-based capital ratio | 24.0832% | 1,138 |
| Memoranda: | ||
| Average total assets | $289,442,000 | 2,246 |
| Average earning assets | $280,612,000 | 2,127 |
| Average equity | $26,852,000 | 2,486 |
| Average total loans | $56,559,000 | 4,961 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4919% | 5,106 |
| Cost of funding earning assets | 1.3270% | 1,354 |
| Net interest margin | 3.1649% | 6,181 |
| Noninterest income to average assets | 0.1729% | 6,250 |
| Noninterest expense to average assets | 1.5523% | 7,139 |
| Loan and lease loss provision to assets | 0.0410% | 6,064 |
| Net operating income to assets | 1.4390% | 946 |
| Return on assets (ROA) | 1.7592% | 533 |
| Pretax return on assets | 1.9938% | 539 |
| Return on Equity (ROE) | 20.8035% | 232 |
| Retained earnings to average equity (ytd only) | 16.6484% | 88 |
| Net charge-offs to loans | 0.0070% | 6,334 |
| Credit loss provision to net charge-offs | 2,625.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 1,070.0000% | 22 |
| Efficiency ratio | 38.0329% | 7,232 |
| Assets per employee ($millions) | 12.2604% | 140 |
| Cash dividends to net income (ytd only)* | 19.9734% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 2,025 |
| Loan loss allowance to noncurrent loans | 701.7647% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 6,800 |
| Noncurrent loans to loans | 0.2981% | 6,126 |
| Net loans and leases to total assets | 19.7989% | 7,208 |
| Net loans and leases to deposits | 22.0041% | 7,233 |
| Net loans and leases to core deposits | 26.2332% | 7,194 |
| Total domestic deposits to total assets | 89.9784% | 1,004 |
| Equity capital to assets | 9.2794% | 5,173 |
| Core capital (leverage) ratio | 8.2587% | 5,913 |
| Tier 1 risk-based capital ratio | 22.4668% | 1,173 |
| Total risk-based capital ratio | 23.6784% | 1,150 |
| Memoranda: | ||
| Average total assets | $256,143,400 | 2,458 |
| Average earning assets | $246,866,600 | 2,337 |
| Average equity | $21,659,800 | 2,928 |
| Average total loans | $56,865,600 | 4,990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 4,673 |
| Cost of funding earning assets | 1.3617% | 1,412 |
| Net interest margin | 3.2889% | 5,891 |
| Noninterest income to average assets | 0.1575% | 6,468 |
| Noninterest expense to average assets | 1.3056% | 7,308 |
| Loan and lease loss provision to assets | 0.0283% | 6,084 |
| Net operating income to assets | 1.7824% | 535 |
| Return on assets (ROA) | 2.0655% | 330 |
| Pretax return on assets | 2.3031% | 353 |
| Return on Equity (ROE) | 25.1166% | 125 |
| Retained earnings to average equity (ytd only) | 22.5193% | 48 |
| Net charge-offs to loans | 0.0094% | 6,030 |
| Credit loss provision to net charge-offs | 1,325.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 944.8161% | 31 |
| Efficiency ratio | 37.9781% | 7,290 |
| Assets per employee ($millions) | 11.6670% | 161 |
| Cash dividends to net income (ytd only)* | 10.3413% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9716% | 2,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 21.1411% | 7,270 |
| Net loans and leases to deposits | 23.7981% | 7,294 |
| Net loans and leases to core deposits | 28.0701% | 7,255 |
| Total domestic deposits to total assets | 88.8351% | 1,528 |
| Equity capital to assets | 9.9132% | 4,462 |
| Core capital (leverage) ratio | 8.3295% | 5,937 |
| Tier 1 risk-based capital ratio | 21.9980% | 1,289 |
| Total risk-based capital ratio | 23.1813% | 1,277 |
| Memoranda: | ||
| Average total assets | $249,681,750 | 2,534 |
| Average earning assets | $240,277,750 | 2,405 |
| Average equity | $20,533,000 | 3,068 |
| Average total loans | $56,826,000 | 5,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 4,504 |
| Cost of funding earning assets | 1.4060% | 1,393 |
| Net interest margin | 3.3010% | 5,854 |
| Noninterest income to average assets | 0.1240% | 6,711 |
| Noninterest expense to average assets | 1.3694% | 7,369 |
| Loan and lease loss provision to assets | 0.0370% | 5,848 |
| Net operating income to assets | 1.7239% | 572 |
| Return on assets (ROA) | 1.9362% | 398 |
| Pretax return on assets | 2.1153% | 476 |
| Return on Equity (ROE) | 25.4669% | 124 |
| Retained earnings to average equity (ytd only) | 21.1449% | 77 |
| Net charge-offs to loans | 0.0071% | 5,766 |
| Credit loss provision to net charge-offs | 2,250.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 1,169.5000% | 13 |
| Efficiency ratio | 40.2396% | 7,337 |
| Assets per employee ($millions) | 12.0551% | 147 |
| Cash dividends to net income (ytd only)* | 16.9707% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0708% | 2,179 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 21.2018% | 7,354 |
| Net loans and leases to deposits | 23.3952% | 7,380 |
| Net loans and leases to core deposits | 27.7132% | 7,348 |
| Total domestic deposits to total assets | 90.6244% | 667 |
| Equity capital to assets | 8.7064% | 5,936 |
| Core capital (leverage) ratio | 7.9828% | 6,319 |
| Tier 1 risk-based capital ratio | 21.1882% | 1,384 |
| Total risk-based capital ratio | 22.4110% | 1,369 |
| Memoranda: | ||
| Average total assets | $243,462,330 | 2,618 |
| Average earning assets | $233,565,000 | 2,493 |
| Average equity | $18,510,330 | 3,333 |
| Average total loans | $56,477,670 | 5,101 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6939% | 4,552 |
| Cost of funding earning assets | 1.4494% | 1,387 |
| Net interest margin | 3.2445% | 5,937 |
| Noninterest income to average assets | -0.0101% | 7,321 |
| Noninterest expense to average assets | 1.3729% | 7,421 |
| Loan and lease loss provision to assets | 0.0503% | 5,370 |
| Net operating income to assets | 1.5763% | 725 |
| Return on assets (ROA) | 1.7451% | 569 |
| Pretax return on assets | 1.8440% | 747 |
| Return on Equity (ROE) | 24.8671% | 168 |
| Retained earnings to average equity (ytd only) | 24.8671% | 102 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9734% | 7,319 |
| Assets per employee ($millions) | 11.0692% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 2,428 |
| Loan loss allowance to noncurrent loans | 112,200.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 6,563 |
| Noncurrent loans to loans | 0.0018% | 7,090 |
| Net loans and leases to total assets | 22.6143% | 7,396 |
| Net loans and leases to deposits | 24.5958% | 7,427 |
| Net loans and leases to core deposits | 29.2746% | 7,382 |
| Total domestic deposits to total assets | 91.9437% | 302 |
| Equity capital to assets | 7.5882% | 6,820 |
| Core capital (leverage) ratio | 7.9372% | 6,321 |
| Tier 1 risk-based capital ratio | 19.8097% | 1,626 |
| Total risk-based capital ratio | 20.9974% | 1,614 |
| Memoranda: | ||
| Average total assets | $238,614,500 | 2,686 |
| Average earning assets | $227,954,500 | 2,568 |
| Average equity | $16,745,000 | 3,601 |
| Average total loans | $57,312,000 | 5,119 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 5,971 |
| Cost of funding earning assets | 1.6126% | 1,997 |
| Net interest margin | 3.0330% | 6,675 |
| Noninterest income to average assets | 0.1913% | 6,395 |
| Noninterest expense to average assets | 1.5090% | 7,444 |
| Loan and lease loss provision to assets | 0.2760% | 4,601 |
| Net operating income to assets | 1.1903% | 1,437 |
| Return on assets (ROA) | 1.5909% | 685 |
| Pretax return on assets | 1.7465% | 858 |
| Return on Equity (ROE) | 20.4163% | 232 |
| Retained earnings to average equity (ytd only) | 20.4163% | 56 |
| Net charge-offs to loans | 0.6707% | 2,998 |
| Credit loss provision to net charge-offs | 146.0957% | 2,522 |
| Earnings coverage of net charge-offs (x) | 8.3753% | 1,978 |
| Efficiency ratio | 47.1367% | 7,306 |
| Assets per employee ($millions) | 10.1611% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 2,643 |
| Loan loss allowance to noncurrent loans | 153.8028% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 5,794 |
| Noncurrent loans to loans | 1.2151% | 4,700 |
| Net loans and leases to total assets | 24.5347% | 7,462 |
| Net loans and leases to deposits | 26.5892% | 7,506 |
| Net loans and leases to core deposits | 31.2587% | 7,459 |
| Total domestic deposits to total assets | 92.2732% | 223 |
| Equity capital to assets | 6.4230% | 7,272 |
| Core capital (leverage) ratio | 7.7705% | 6,472 |
| Tier 1 risk-based capital ratio | 18.8811% | 1,750 |
| Total risk-based capital ratio | 20.0497% | 1,737 |
| Memoranda: | ||
| Average total assets | $210,133,200 | 2,979 |
| Average earning assets | $200,924,000 | 2,866 |
| Average equity | $16,374,200 | 3,694 |
| Average total loans | $59,191,400 | 5,106 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 5,998 |
| Cost of funding earning assets | 1.6256% | 2,244 |
| Net interest margin | 3.0794% | 6,659 |
| Noninterest income to average assets | 0.2435% | 6,149 |
| Noninterest expense to average assets | 1.5511% | 7,525 |
| Loan and lease loss provision to assets | 0.3329% | 3,942 |
| Net operating income to assets | 1.1814% | 1,647 |
| Return on assets (ROA) | 1.5968% | 822 |
| Pretax return on assets | 1.7704% | 975 |
| Return on Equity (ROE) | 19.5109% | 340 |
| Retained earnings to average equity (ytd only) | 19.5109% | 91 |
| Net charge-offs to loans | 0.8936% | 2,211 |
| Credit loss provision to net charge-offs | 128.1407% | 3,172 |
| Earnings coverage of net charge-offs (x) | 6.3191% | 2,545 |
| Efficiency ratio | 46.9025% | 7,342 |
| Assets per employee ($millions) | 9.7102% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7313% | 3,057 |
| Loan loss allowance to noncurrent loans | 133.9895% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 5,714 |
| Noncurrent loans to loans | 1.2921% | 4,696 |
| Net loans and leases to total assets | 25.9481% | 7,542 |
| Net loans and leases to deposits | 28.9783% | 7,578 |
| Net loans and leases to core deposits | 33.7629% | 7,538 |
| Total domestic deposits to total assets | 89.5435% | 1,102 |
| Equity capital to assets | 8.7304% | 5,967 |
| Core capital (leverage) ratio | 7.7850% | 6,584 |
| Tier 1 risk-based capital ratio | 19.1521% | 1,717 |
| Total risk-based capital ratio | 20.3223% | 1,697 |
| Memoranda: | ||
| Average total assets | $204,240,000 | 3,092 |
| Average earning assets | $195,616,500 | 2,973 |
| Average equity | $16,715,000 | 3,696 |
| Average total loans | $59,381,500 | 5,174 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 5,933 |
| Cost of funding earning assets | 1.6188% | 2,550 |
| Net interest margin | 3.1405% | 6,489 |
| Noninterest income to average assets | 0.2163% | 6,372 |
| Noninterest expense to average assets | 1.5434% | 7,596 |
| Loan and lease loss provision to assets | 0.3133% | 3,870 |
| Net operating income to assets | 1.2224% | 1,503 |
| Return on assets (ROA) | 1.5808% | 816 |
| Pretax return on assets | 1.7637% | 940 |
| Return on Equity (ROE) | 19.8134% | 329 |
| Retained earnings to average equity (ytd only) | 19.8134% | 92 |
| Net charge-offs to loans | 0.8300% | 2,179 |
| Credit loss provision to net charge-offs | 125.5061% | 3,216 |
| Earnings coverage of net charge-offs (x) | 6.7247% | 2,410 |
| Efficiency ratio | 46.1731% | 7,431 |
| Assets per employee ($millions) | 9.6313% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6234% | 3,355 |
| Loan loss allowance to noncurrent loans | 101.2500% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 6,318 |
| Noncurrent loans to loans | 1.6034% | 4,306 |
| Net loans and leases to total assets | 27.7980% | 7,582 |
| Net loans and leases to deposits | 30.6923% | 7,631 |
| Net loans and leases to core deposits | 36.1713% | 7,567 |
| Total domestic deposits to total assets | 90.5701% | 659 |
| Equity capital to assets | 7.9598% | 6,796 |
| Core capital (leverage) ratio | 7.4760% | 6,846 |
| Tier 1 risk-based capital ratio | 18.1469% | 1,923 |
| Total risk-based capital ratio | 19.2995% | 1,916 |
| Memoranda: | ||
| Average total assets | $197,875,330 | 3,191 |
| Average earning assets | $189,398,670 | 3,069 |
| Average equity | $15,787,330 | 3,835 |
| Average total loans | $59,518,000 | 5,201 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 5,581 |
| Cost of funding earning assets | 1.5991% | 2,964 |
| Net interest margin | 3.2767% | 6,058 |
| Noninterest income to average assets | 0.1802% | 6,666 |
| Noninterest expense to average assets | 1.5613% | 7,680 |
| Loan and lease loss provision to assets | 0.3772% | 3,107 |
| Net operating income to assets | 1.2118% | 1,508 |
| Return on assets (ROA) | 1.6640% | 710 |
| Pretax return on assets | 1.9092% | 724 |
| Return on Equity (ROE) | 20.8290% | 337 |
| Retained earnings to average equity (ytd only) | 20.8290% | 176 |
| Net charge-offs to loans | 1.3482% | 1,278 |
| Credit loss provision to net charge-offs | 90.0000% | 3,659 |
| Earnings coverage of net charge-offs (x) | 4.2150% | 2,671 |
| Efficiency ratio | 45.2141% | 7,583 |
| Assets per employee ($millions) | 9.5460% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4789% | 4,022 |
| Loan loss allowance to noncurrent loans | 1,506.7797% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 7,422 |
| Noncurrent loans to loans | 0.0981% | 7,145 |
| Net loans and leases to total assets | 29.5430% | 7,638 |
| Net loans and leases to deposits | 32.5593% | 7,687 |
| Net loans and leases to core deposits | 37.7605% | 7,624 |
| Total domestic deposits to total assets | 90.7361% | 642 |
| Equity capital to assets | 7.7654% | 6,873 |
| Core capital (leverage) ratio | 7.6995% | 6,624 |
| Tier 1 risk-based capital ratio | 17.7912% | 1,996 |
| Total risk-based capital ratio | 18.8816% | 2,018 |
| Memoranda: | ||
| Average total assets | $190,868,500 | 3,355 |
| Average earning assets | $183,355,000 | 3,218 |
| Average equity | $15,248,000 | 3,974 |
| Average total loans | $59,340,500 | 5,279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3094% | 5,128 |
| Cost of funding earning assets | 1.9449% | 3,235 |
| Net interest margin | 3.3644% | 5,512 |
| Noninterest income to average assets | 0.2771% | 6,120 |
| Noninterest expense to average assets | 1.7467% | 7,661 |
| Loan and lease loss provision to assets | 0.1944% | 5,790 |
| Net operating income to assets | 1.2985% | 1,040 |
| Return on assets (ROA) | 1.7198% | 450 |
| Pretax return on assets | 2.0489% | 370 |
| Return on Equity (ROE) | 23.5495% | 118 |
| Retained earnings to average equity (ytd only) | 22.0471% | 31 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1129% | 7,627 |
| Assets per employee ($millions) | 8.6319% | 394 |
| Cash dividends to net income (ytd only)* | 6.3799% | 3,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 31.8084% | 7,668 |
| Net loans and leases to deposits | 35.7112% | 7,731 |
| Net loans and leases to core deposits | 54.1623% | 7,465 |
| Total domestic deposits to total assets | 89.0710% | 1,452 |
| Equity capital to assets | 8.2358% | 6,295 |
| Core capital (leverage) ratio | 7.6941% | 6,563 |
| Tier 1 risk-based capital ratio | 16.6909% | 2,240 |
| Total risk-based capital ratio | 17.7997% | 2,243 |
| Memoranda: | ||
| Average total assets | $159,497,800 | 3,781 |
| Average earning assets | $152,240,600 | 3,673 |
| Average equity | $11,647,800 | 4,825 |
| Average total loans | $55,468,800 | 5,439 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3489% | 5,178 |
| Cost of funding earning assets | 2.0081% | 3,322 |
| Net interest margin | 3.3408% | 5,486 |
| Noninterest income to average assets | 0.2830% | 6,213 |
| Noninterest expense to average assets | 1.8400% | 7,622 |
| Loan and lease loss provision to assets | 0.1091% | 6,284 |
| Net operating income to assets | 1.2687% | 1,293 |
| Return on assets (ROA) | 1.6773% | 624 |
| Pretax return on assets | 2.0053% | 532 |
| Return on Equity (ROE) | 23.8646% | 134 |
| Retained earnings to average equity (ytd only) | 21.7096% | 45 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0107% | 7,482 |
| Assets per employee ($millions) | 8.2505% | 470 |
| Cash dividends to net income (ytd only)* | 9.0300% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 31.5414% | 7,766 |
| Net loans and leases to deposits | 35.5992% | 7,830 |
| Net loans and leases to core deposits | 53.3572% | 7,609 |
| Total domestic deposits to total assets | 88.6016% | 1,389 |
| Equity capital to assets | 7.5961% | 7,224 |
| Core capital (leverage) ratio | 7.4638% | 7,018 |
| Tier 1 risk-based capital ratio | 16.0384% | 2,615 |
| Total risk-based capital ratio | 17.0007% | 2,653 |
| Memoranda: | ||
| Average total assets | $154,054,750 | 3,907 |
| Average earning assets | $146,868,500 | 3,778 |
| Average equity | $10,827,500 | 5,106 |
| Average total loans | $54,694,000 | 5,529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5027% | 4,612 |
| Cost of funding earning assets | 2.1117% | 3,214 |
| Net interest margin | 3.3910% | 5,205 |
| Noninterest income to average assets | 0.2682% | 6,353 |
| Noninterest expense to average assets | 1.8936% | 7,629 |
| Loan and lease loss provision to assets | 0.1219% | 5,894 |
| Net operating income to assets | 1.2348% | 1,394 |
| Return on assets (ROA) | 1.6160% | 726 |
| Pretax return on assets | 1.9343% | 649 |
| Return on Equity (ROE) | 23.7421% | 164 |
| Retained earnings to average equity (ytd only) | 20.2594% | 72 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0341% | 7,511 |
| Assets per employee ($millions) | 8.2359% | 456 |
| Cash dividends to net income (ytd only)* | 14.6689% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 4,587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 34.7331% | 7,747 |
| Net loans and leases to deposits | 39.5303% | 7,829 |
| Net loans and leases to core deposits | 55.3715% | 7,617 |
| Total domestic deposits to total assets | 87.8644% | 1,833 |
| Equity capital to assets | 6.7247% | 7,740 |
| Core capital (leverage) ratio | 7.3937% | 7,139 |
| Tier 1 risk-based capital ratio | 15.4428% | 2,837 |
| Total risk-based capital ratio | 16.3827% | 2,903 |
| Memoranda: | ||
| Average total assets | $147,652,670 | 4,039 |
| Average earning assets | $140,548,000 | 3,939 |
| Average equity | $10,049,670 | 5,348 |
| Average total loans | $54,467,330 | 5,582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6454% | 4,079 |
| Cost of funding earning assets | 2.2241% | 3,042 |
| Net interest margin | 3.4212% | 5,048 |
| Noninterest income to average assets | 0.3156% | 5,918 |
| Noninterest expense to average assets | 1.8961% | 7,555 |
| Loan and lease loss provision to assets | 0.0838% | 5,883 |
| Net operating income to assets | 1.3043% | 1,372 |
| Return on assets (ROA) | 1.6867% | 729 |
| Pretax return on assets | 2.0581% | 592 |
| Return on Equity (ROE) | 24.6204% | 203 |
| Retained earnings to average equity (ytd only) | 24.6204% | 91 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9773% | 7,513 |
| Assets per employee ($millions) | 7.8129% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 5,041 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 36.0571% | 7,729 |
| Net loans and leases to deposits | 40.8522% | 7,817 |
| Net loans and leases to core deposits | 54.4562% | 7,666 |
| Total domestic deposits to total assets | 88.2623% | 1,603 |
| Equity capital to assets | 6.9049% | 7,723 |
| Core capital (leverage) ratio | 7.3521% | 7,319 |
| Tier 1 risk-based capital ratio | 15.5700% | 2,825 |
| Total risk-based capital ratio | 16.4992% | 2,901 |
| Memoranda: | ||
| Average total assets | $143,238,000 | 4,121 |
| Average earning assets | $136,324,500 | 4,030 |
| Average equity | $9,813,000 | 5,447 |
| Average total loans | $54,181,000 | 5,623 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7456% | 6,617 |
| Cost of funding earning assets | 2.6324% | 3,521 |
| Net interest margin | 3.1132% | 6,611 |
| Noninterest income to average assets | 0.2520% | 6,648 |
| Noninterest expense to average assets | 1.9314% | 7,563 |
| Loan and lease loss provision to assets | 0.1554% | 5,373 |
| Net operating income to assets | 0.9691% | 2,697 |
| Return on assets (ROA) | 1.1182% | 1,993 |
| Pretax return on assets | 1.2921% | 2,337 |
| Return on Equity (ROE) | 16.2887% | 730 |
| Retained earnings to average equity (ytd only) | 15.2919% | 86 |
| Net charge-offs to loans | 0.1013% | 5,302 |
| Credit loss provision to net charge-offs | 378.4314% | 1,162 |
| Earnings coverage of net charge-offs (x) | 31.0784% | 1,140 |
| Efficiency ratio | 57.4799% | 6,780 |
| Assets per employee ($millions) | 7.2648% | 627 |
| Cash dividends to net income (ytd only)* | 6.1195% | 4,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 5,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.8384% | 7,723 |
| Net loans and leases to deposits | 43.2631% | 7,867 |
| Net loans and leases to core deposits | 55.7823% | 7,746 |
| Total domestic deposits to total assets | 89.7726% | 731 |
| Equity capital to assets | 6.7927% | 7,835 |
| Core capital (leverage) ratio | 6.9282% | 7,741 |
| Tier 1 risk-based capital ratio | 14.0722% | 3,518 |
| Total risk-based capital ratio | 14.9877% | 3,593 |
| Memoranda: | ||
| Average total assets | $124,212,000 | 4,413 |
| Average earning assets | $117,915,800 | 4,309 |
| Average equity | $8,527,400 | 5,899 |
| Average total loans | $50,349,200 | 5,692 |