Home > Field & Main Bank > Performance and Condition Ratios
Field & Main Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9799% | 1,320 |
| Cost of funding earning assets | 2.5893% | 984 |
| Net interest margin | 3.3906% | 2,300 |
| Noninterest income to average assets | 1.2300% | 434 |
| Noninterest expense to average assets | 3.0619% | 1,047 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.0128% | 2,008 |
| Return on assets (ROA) | 1.0128% | 2,007 |
| Pretax return on assets | 1.2067% | 1,975 |
| Return on Equity (ROE) | 12.0000% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.1586% | 1,064 |
| Net charge-offs to loans | -0.0020% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.8308% | 2,014 |
| Assets per employee ($millions) | 6.4092% | 2,570 |
| Cash dividends to net income (ytd only)* | 31.9957% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2491% | 1,915 |
| Loan loss allowance to noncurrent loans | 162.9327% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6198% | 1,172 |
| Noncurrent loans to loans | 0.7666% | 1,295 |
| Net loans and leases to total assets | 79.8400% | 675 |
| Net loans and leases to deposits | 87.9243% | 1,403 |
| Net loans and leases to core deposits | 92.1484% | 1,962 |
| Total domestic deposits to total assets | 90.8000% | 573 |
| Equity capital to assets | 8.3743% | 3,299 |
| Core capital (leverage) ratio | 8.4359% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5679% | 2,639 |
| Memoranda: | ||
| Average total assets | $740,640,400 | 1,298 |
| Average earning assets | $680,768,200 | 1,303 |
| Average equity | $62,522,800 | 1,440 |
| Average total loans | $593,241,800 | 1,143 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9294% | 1,360 |
| Cost of funding earning assets | 2.6196% | 949 |
| Net interest margin | 3.3099% | 2,427 |
| Noninterest income to average assets | 1.2200% | 438 |
| Noninterest expense to average assets | 2.9757% | 1,141 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.9875% | 2,092 |
| Return on assets (ROA) | 0.9875% | 2,098 |
| Pretax return on assets | 1.1928% | 1,999 |
| Return on Equity (ROE) | 11.6700% | 1,712 |
| Retained earnings to average equity (ytd only) | 7.8062% | 1,448 |
| Net charge-offs to loans | -0.0002% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 69.2984% | 2,107 |
| Assets per employee ($millions) | 6.2791% | 2,678 |
| Cash dividends to net income (ytd only)* | 33.1309% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,021 |
| Loan loss allowance to noncurrent loans | 164.3686% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 1,150 |
| Noncurrent loans to loans | 0.7523% | 1,315 |
| Net loans and leases to total assets | 81.8000% | 429 |
| Net loans and leases to deposits | 91.8139% | 1,067 |
| Net loans and leases to core deposits | 96.7777% | 1,710 |
| Total domestic deposits to total assets | 89.0900% | 881 |
| Equity capital to assets | 8.6431% | 3,297 |
| Core capital (leverage) ratio | 8.3833% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3371% | 2,717 |
| Memoranda: | ||
| Average total assets | $733,524,000 | 1,297 |
| Average earning assets | $673,684,750 | 1,305 |
| Average equity | $62,051,750 | 1,435 |
| Average total loans | $586,100,750 | 1,143 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8307% | 1,411 |
| Cost of funding earning assets | 2.5711% | 961 |
| Net interest margin | 3.2597% | 2,508 |
| Noninterest income to average assets | 1.2100% | 452 |
| Noninterest expense to average assets | 2.9623% | 1,150 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.9501% | 2,150 |
| Return on assets (ROA) | 0.9501% | 2,151 |
| Pretax return on assets | 1.1490% | 2,072 |
| Return on Equity (ROE) | 11.3200% | 1,800 |
| Retained earnings to average equity (ytd only) | 7.3945% | 1,539 |
| Net charge-offs to loans | -0.0056% | 3,832 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 69.9112% | 2,126 |
| Assets per employee ($millions) | 6.4335% | 2,458 |
| Cash dividends to net income (ytd only)* | 34.6520% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 1,961 |
| Loan loss allowance to noncurrent loans | 156.4519% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 1,021 |
| Noncurrent loans to loans | 0.8014% | 1,158 |
| Net loans and leases to total assets | 81.3100% | 542 |
| Net loans and leases to deposits | 89.8691% | 1,315 |
| Net loans and leases to core deposits | 94.9107% | 1,798 |
| Total domestic deposits to total assets | 90.4700% | 581 |
| Equity capital to assets | 8.5305% | 3,078 |
| Core capital (leverage) ratio | 8.4336% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1959% | 2,761 |
| Memoranda: | ||
| Average total assets | $728,959,333 | 1,303 |
| Average earning assets | $669,762,000 | 1,306 |
| Average equity | $61,208,000 | 1,443 |
| Average total loans | $575,176,667 | 1,158 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8147% | 1,295 |
| Cost of funding earning assets | 2.6061% | 831 |
| Net interest margin | 3.2086% | 2,546 |
| Noninterest income to average assets | 1.2400% | 414 |
| Noninterest expense to average assets | 2.9388% | 1,163 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.9628% | 2,053 |
| Return on assets (ROA) | 0.9628% | 2,057 |
| Pretax return on assets | 1.1710% | 1,961 |
| Return on Equity (ROE) | 11.5600% | 1,698 |
| Retained earnings to average equity (ytd only) | 7.6113% | 1,658 |
| Net charge-offs to loans | -0.0099% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.4902% | 2,207 |
| Assets per employee ($millions) | 6.5051% | 2,447 |
| Cash dividends to net income (ytd only)* | 34.1491% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2873% | 1,812 |
| Loan loss allowance to noncurrent loans | 197.8408% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4942% | 1,280 |
| Noncurrent loans to loans | 0.6507% | 1,359 |
| Net loans and leases to total assets | 74.4900% | 1,282 |
| Net loans and leases to deposits | 81.9093% | 1,895 |
| Net loans and leases to core deposits | 85.6943% | 2,327 |
| Total domestic deposits to total assets | 90.9400% | 544 |
| Equity capital to assets | 8.0996% | 3,295 |
| Core capital (leverage) ratio | 8.1484% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5016% | 2,714 |
| Memoranda: | ||
| Average total assets | $729,949,000 | 1,302 |
| Average earning assets | $670,572,500 | 1,309 |
| Average equity | $60,804,500 | 1,439 |
| Average total loans | $563,472,000 | 1,176 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 1,475 |
| Cost of funding earning assets | 1.7481% | 1,361 |
| Net interest margin | 3.5657% | 2,031 |
| Noninterest income to average assets | 1.3500% | 445 |
| Noninterest expense to average assets | 3.2508% | 779 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0247% | 2,138 |
| Return on assets (ROA) | 1.0243% | 2,122 |
| Pretax return on assets | 1.2020% | 2,134 |
| Return on Equity (ROE) | 11.3600% | 2,134 |
| Retained earnings to average equity (ytd only) | 7.1657% | 1,849 |
| Net charge-offs to loans | 0.0158% | 2,077 |
| Credit loss provision to net charge-offs | 912.5000% | 440 |
| Earnings coverage of net charge-offs (x) | 105.2250% | 877 |
| Efficiency ratio | 70.2996% | 1,839 |
| Assets per employee ($millions) | 5.7342% | 3,040 |
| Cash dividends to net income (ytd only)* | 36.9344% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 1,848 |
| Loan loss allowance to noncurrent loans | 418.5748% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2461% | 1,980 |
| Noncurrent loans to loans | 0.3071% | 2,083 |
| Net loans and leases to total assets | 78.0300% | 866 |
| Net loans and leases to deposits | 86.1950% | 1,602 |
| Net loans and leases to core deposits | 90.0616% | 2,045 |
| Total domestic deposits to total assets | 90.5300% | 623 |
| Equity capital to assets | 8.5764% | 2,995 |
| Core capital (leverage) ratio | 8.7438% | 3,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4431% | 2,733 |
| Memoranda: | ||
| Average total assets | $634,368,000 | 1,407 |
| Average earning assets | $574,158,200 | 1,431 |
| Average equity | $57,189,400 | 1,443 |
| Average total loans | $507,929,800 | 1,217 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1872% | 1,477 |
| Cost of funding earning assets | 1.5405% | 1,505 |
| Net interest margin | 3.6467% | 1,894 |
| Noninterest income to average assets | 1.3800% | 431 |
| Noninterest expense to average assets | 3.2773% | 744 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.1180% | 1,996 |
| Return on assets (ROA) | 1.1177% | 1,980 |
| Pretax return on assets | 1.3265% | 1,955 |
| Return on Equity (ROE) | 12.2300% | 2,067 |
| Retained earnings to average equity (ytd only) | 7.9694% | 1,976 |
| Net charge-offs to loans | 0.0218% | 1,667 |
| Credit loss provision to net charge-offs | 407.4074% | 714 |
| Earnings coverage of net charge-offs (x) | 79.8395% | 1,047 |
| Efficiency ratio | 69.3535% | 1,860 |
| Assets per employee ($millions) | 5.3278% | 3,323 |
| Cash dividends to net income (ytd only)* | 34.8230% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 1,897 |
| Loan loss allowance to noncurrent loans | 362.3460% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 1,858 |
| Noncurrent loans to loans | 0.3567% | 1,950 |
| Net loans and leases to total assets | 78.8300% | 776 |
| Net loans and leases to deposits | 87.4537% | 1,431 |
| Net loans and leases to core deposits | 91.5163% | 1,831 |
| Total domestic deposits to total assets | 90.1400% | 907 |
| Equity capital to assets | 8.6348% | 2,640 |
| Core capital (leverage) ratio | 9.0715% | 3,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9624% | 2,622 |
| Memoranda: | ||
| Average total assets | $616,634,000 | 1,443 |
| Average earning assets | $556,433,000 | 1,477 |
| Average equity | $56,364,250 | 1,444 |
| Average total loans | $495,530,500 | 1,238 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 1,566 |
| Cost of funding earning assets | 1.2694% | 1,792 |
| Net interest margin | 3.7298% | 1,758 |
| Noninterest income to average assets | 1.3000% | 395 |
| Noninterest expense to average assets | 3.3074% | 686 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1067% | 2,109 |
| Return on assets (ROA) | 1.1061% | 2,098 |
| Pretax return on assets | 1.3304% | 1,989 |
| Return on Equity (ROE) | 11.8600% | 2,196 |
| Retained earnings to average equity (ytd only) | 7.5998% | 2,095 |
| Net charge-offs to loans | 0.0230% | 1,421 |
| Credit loss provision to net charge-offs | 107.1429% | 1,393 |
| Earnings coverage of net charge-offs (x) | 72.8214% | 1,099 |
| Efficiency ratio | 70.1963% | 1,747 |
| Assets per employee ($millions) | 4.9446% | 3,640 |
| Cash dividends to net income (ytd only)* | 35.9389% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 1,922 |
| Loan loss allowance to noncurrent loans | 422.7626% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 1,954 |
| Noncurrent loans to loans | 0.3081% | 2,038 |
| Net loans and leases to total assets | 79.9200% | 635 |
| Net loans and leases to deposits | 92.3666% | 1,001 |
| Net loans and leases to core deposits | 96.9075% | 1,420 |
| Total domestic deposits to total assets | 86.5300% | 2,084 |
| Equity capital to assets | 9.3049% | 2,309 |
| Core capital (leverage) ratio | 9.4614% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1088% | 2,599 |
| Memoranda: | ||
| Average total assets | $603,739,667 | 1,467 |
| Average earning assets | $543,402,000 | 1,517 |
| Average equity | $56,290,667 | 1,450 |
| Average total loans | $486,251,333 | 1,243 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 1,588 |
| Cost of funding earning assets | 1.0420% | 1,906 |
| Net interest margin | 3.7745% | 1,736 |
| Noninterest income to average assets | 1.2900% | 397 |
| Noninterest expense to average assets | 3.3015% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1450% | 2,082 |
| Return on assets (ROA) | 1.1439% | 2,056 |
| Pretax return on assets | 1.3819% | 1,928 |
| Return on Equity (ROE) | 12.2600% | 2,152 |
| Retained earnings to average equity (ytd only) | 7.9453% | 2,232 |
| Net charge-offs to loans | -0.0877% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5864% | 1,792 |
| Assets per employee ($millions) | 4.9627% | 3,684 |
| Cash dividends to net income (ytd only)* | 35.1700% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 1,714 |
| Loan loss allowance to noncurrent loans | 396.7046% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2779% | 1,754 |
| Noncurrent loans to loans | 0.3466% | 1,903 |
| Net loans and leases to total assets | 79.0900% | 628 |
| Net loans and leases to deposits | 89.9364% | 1,050 |
| Net loans and leases to core deposits | 94.2596% | 1,378 |
| Total domestic deposits to total assets | 87.9400% | 1,946 |
| Equity capital to assets | 9.3435% | 2,263 |
| Core capital (leverage) ratio | 9.5053% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4236% | 2,593 |
| Memoranda: | ||
| Average total assets | $596,572,000 | 1,505 |
| Average earning assets | $536,651,000 | 1,545 |
| Average equity | $55,680,500 | 1,474 |
| Average total loans | $479,124,500 | 1,268 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 983 |
| Cost of funding earning assets | 0.4540% | 1,691 |
| Net interest margin | 3.8874% | 980 |
| Noninterest income to average assets | 1.4500% | 357 |
| Noninterest expense to average assets | 3.3745% | 564 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3076% | 1,399 |
| Return on assets (ROA) | 1.3092% | 1,363 |
| Pretax return on assets | 1.5956% | 1,178 |
| Return on Equity (ROE) | 13.7600% | 1,583 |
| Retained earnings to average equity (ytd only) | 9.4336% | 1,341 |
| Net charge-offs to loans | -0.0246% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0658% | 2,082 |
| Assets per employee ($millions) | 4.8577% | 3,775 |
| Cash dividends to net income (ytd only)* | 31.4260% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,185 |
| Loan loss allowance to noncurrent loans | 355.2158% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2815% | 1,749 |
| Noncurrent loans to loans | 0.3499% | 1,892 |
| Net loans and leases to total assets | 79.4400% | 657 |
| Net loans and leases to deposits | 91.9696% | 915 |
| Net loans and leases to core deposits | 96.2239% | 1,193 |
| Total domestic deposits to total assets | 86.3800% | 2,612 |
| Equity capital to assets | 9.3374% | 2,121 |
| Core capital (leverage) ratio | 9.6301% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3857% | 2,616 |
| Memoranda: | ||
| Average total assets | $583,348,000 | 1,528 |
| Average earning assets | $527,344,200 | 1,558 |
| Average equity | $55,514,400 | 1,490 |
| Average total loans | $455,296,400 | 1,260 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 806 |
| Cost of funding earning assets | 0.3814% | 1,429 |
| Net interest margin | 3.8668% | 859 |
| Noninterest income to average assets | 1.5100% | 361 |
| Noninterest expense to average assets | 3.2799% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3955% | 1,102 |
| Return on assets (ROA) | 1.3950% | 1,077 |
| Pretax return on assets | 1.7337% | 842 |
| Return on Equity (ROE) | 14.5900% | 1,263 |
| Retained earnings to average equity (ytd only) | 10.2688% | 1,268 |
| Net charge-offs to loans | -0.0121% | 3,782 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.5600% | 2,473 |
| Assets per employee ($millions) | 4.9373% | 3,728 |
| Cash dividends to net income (ytd only)* | 29.6101% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 1,993 |
| Loan loss allowance to noncurrent loans | 247.1085% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 1,303 |
| Noncurrent loans to loans | 0.5293% | 1,480 |
| Net loans and leases to total assets | 77.8000% | 725 |
| Net loans and leases to deposits | 86.6038% | 1,132 |
| Net loans and leases to core deposits | 91.2919% | 1,213 |
| Total domestic deposits to total assets | 89.8400% | 1,729 |
| Equity capital to assets | 9.3187% | 2,005 |
| Core capital (leverage) ratio | 9.4134% | 3,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7797% | 2,560 |
| Memoranda: | ||
| Average total assets | $581,025,000 | 1,541 |
| Average earning assets | $526,137,500 | 1,576 |
| Average equity | $55,558,750 | 1,503 |
| Average total loans | $449,937,000 | 1,265 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1706% | 677 |
| Cost of funding earning assets | 0.3529% | 1,232 |
| Net interest margin | 3.8176% | 722 |
| Noninterest income to average assets | 1.5530% | 324 |
| Noninterest expense to average assets | 3.2441% | 589 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4248% | 847 |
| Return on assets (ROA) | 1.4242% | 833 |
| Pretax return on assets | 1.7706% | 639 |
| Return on Equity (ROE) | 14.7729% | 942 |
| Retained earnings to average equity (ytd only) | 10.5207% | 897 |
| Net charge-offs to loans | -0.0120% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8376% | 2,789 |
| Assets per employee ($millions) | 4.8301% | 3,827 |
| Cash dividends to net income (ytd only)* | 28.7839% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,210 |
| Loan loss allowance to noncurrent loans | 287.2602% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 1,583 |
| Noncurrent loans to loans | 0.4510% | 1,767 |
| Net loans and leases to total assets | 77.4116% | 607 |
| Net loans and leases to deposits | 86.1243% | 961 |
| Net loans and leases to core deposits | 90.7945% | 1,075 |
| Total domestic deposits to total assets | 89.8836% | 1,759 |
| Equity capital to assets | 9.2803% | 2,181 |
| Core capital (leverage) ratio | 9.1820% | 3,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0247% | 2,486 |
| Memoranda: | ||
| Average total assets | $585,436,333 | 1,533 |
| Average earning assets | $530,956,667 | 1,581 |
| Average equity | $56,441,333 | 1,514 |
| Average total loans | $450,715,667 | 1,264 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 445 |
| Cost of funding earning assets | 0.3661% | 1,088 |
| Net interest margin | 3.9243% | 474 |
| Noninterest income to average assets | 1.4002% | 385 |
| Noninterest expense to average assets | 3.1600% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4217% | 756 |
| Return on assets (ROA) | 1.4212% | 752 |
| Pretax return on assets | 1.8105% | 537 |
| Return on Equity (ROE) | 14.4780% | 736 |
| Retained earnings to average equity (ytd only) | 10.3394% | 941 |
| Net charge-offs to loans | -0.0160% | 3,791 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7213% | 3,177 |
| Assets per employee ($millions) | 4.9427% | 3,798 |
| Cash dividends to net income (ytd only)* | 28.5850% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 2,262 |
| Loan loss allowance to noncurrent loans | 367.4858% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 2,073 |
| Noncurrent loans to loans | 0.3588% | 2,198 |
| Net loans and leases to total assets | 73.5954% | 691 |
| Net loans and leases to deposits | 83.7037% | 898 |
| Net loans and leases to core deposits | 88.4079% | 999 |
| Total domestic deposits to total assets | 87.9237% | 2,559 |
| Equity capital to assets | 9.5870% | 2,215 |
| Core capital (leverage) ratio | 8.8476% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1610% | 2,547 |
| Memoranda: | ||
| Average total assets | $590,765,500 | 1,526 |
| Average earning assets | $537,572,000 | 1,567 |
| Average equity | $57,991,500 | 1,525 |
| Average total loans | $450,681,000 | 1,254 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 1,536 |
| Cost of funding earning assets | 0.5025% | 921 |
| Net interest margin | 3.4301% | 1,931 |
| Noninterest income to average assets | 1.5475% | 471 |
| Noninterest expense to average assets | 3.0918% | 847 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2566% | 1,724 |
| Return on assets (ROA) | 1.2558% | 1,779 |
| Pretax return on assets | 1.5863% | 1,463 |
| Return on Equity (ROE) | 12.9413% | 1,485 |
| Retained earnings to average equity (ytd only) | 8.3401% | 1,409 |
| Net charge-offs to loans | -0.0615% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1750% | 2,374 |
| Assets per employee ($millions) | 4.9865% | 3,741 |
| Cash dividends to net income (ytd only)* | 35.5547% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,524 |
| Loan loss allowance to noncurrent loans | 440.3788% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 2,434 |
| Noncurrent loans to loans | 0.2876% | 2,565 |
| Net loans and leases to total assets | 77.0224% | 443 |
| Net loans and leases to deposits | 88.0839% | 647 |
| Net loans and leases to core deposits | 93.3317% | 813 |
| Total domestic deposits to total assets | 87.4421% | 2,319 |
| Equity capital to assets | 10.0475% | 2,614 |
| Core capital (leverage) ratio | 8.5524% | 3,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8062% | 2,700 |
| Memoranda: | ||
| Average total assets | $587,909,200 | 1,478 |
| Average earning assets | $536,751,200 | 1,503 |
| Average equity | $57,049,800 | 1,581 |
| Average total loans | $440,959,800 | 1,286 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9643% | 1,620 |
| Cost of funding earning assets | 0.5282% | 916 |
| Net interest margin | 3.4361% | 2,053 |
| Noninterest income to average assets | 1.5325% | 532 |
| Noninterest expense to average assets | 3.0437% | 898 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2802% | 1,885 |
| Return on assets (ROA) | 1.2793% | 1,947 |
| Pretax return on assets | 1.6264% | 1,621 |
| Return on Equity (ROE) | 13.3018% | 1,616 |
| Retained earnings to average equity (ytd only) | 9.5872% | 1,454 |
| Net charge-offs to loans | -0.0752% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2548% | 2,349 |
| Assets per employee ($millions) | 5.1717% | 3,533 |
| Cash dividends to net income (ytd only)* | 27.9255% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3273% | 2,360 |
| Loan loss allowance to noncurrent loans | 183.2806% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 1,437 |
| Noncurrent loans to loans | 0.7242% | 1,542 |
| Net loans and leases to total assets | 72.3458% | 843 |
| Net loans and leases to deposits | 82.5949% | 1,059 |
| Net loans and leases to core deposits | 87.6107% | 1,178 |
| Total domestic deposits to total assets | 87.5912% | 2,066 |
| Equity capital to assets | 9.8449% | 3,060 |
| Core capital (leverage) ratio | 8.4086% | 4,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1391% | 2,663 |
| Memoranda: | ||
| Average total assets | $587,785,750 | 1,494 |
| Average earning assets | $536,910,500 | 1,514 |
| Average equity | $56,532,250 | 1,609 |
| Average total loans | $436,446,000 | 1,317 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 1,693 |
| Cost of funding earning assets | 0.5532% | 924 |
| Net interest margin | 3.3927% | 2,160 |
| Noninterest income to average assets | 1.4672% | 562 |
| Noninterest expense to average assets | 3.0345% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2087% | 2,159 |
| Return on assets (ROA) | 1.2076% | 2,234 |
| Pretax return on assets | 1.5338% | 1,917 |
| Return on Equity (ROE) | 12.6569% | 1,836 |
| Retained earnings to average equity (ytd only) | 8.8974% | 1,739 |
| Net charge-offs to loans | -0.0962% | 4,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4781% | 2,230 |
| Assets per employee ($millions) | 5.2692% | 3,388 |
| Cash dividends to net income (ytd only)* | 29.7030% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,271 |
| Loan loss allowance to noncurrent loans | 165.4300% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6136% | 1,361 |
| Noncurrent loans to loans | 0.8062% | 1,521 |
| Net loans and leases to total assets | 70.2253% | 1,169 |
| Net loans and leases to deposits | 79.7892% | 1,445 |
| Net loans and leases to core deposits | 84.8971% | 1,500 |
| Total domestic deposits to total assets | 88.0136% | 1,811 |
| Equity capital to assets | 9.4376% | 3,395 |
| Core capital (leverage) ratio | 8.2424% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0876% | 2,689 |
| Memoranda: | ||
| Average total assets | $585,466,000 | 1,489 |
| Average earning assets | $535,391,333 | 1,514 |
| Average equity | $55,859,000 | 1,619 |
| Average total loans | $436,574,333 | 1,314 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 1,507 |
| Cost of funding earning assets | 0.5725% | 1,000 |
| Net interest margin | 3.4786% | 1,888 |
| Noninterest income to average assets | 1.4276% | 655 |
| Noninterest expense to average assets | 3.0194% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2486% | 1,982 |
| Return on assets (ROA) | 1.2475% | 2,066 |
| Pretax return on assets | 1.5883% | 1,765 |
| Return on Equity (ROE) | 13.0013% | 1,672 |
| Retained earnings to average equity (ytd only) | 9.1966% | 1,890 |
| Net charge-offs to loans | -0.0228% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5745% | 2,401 |
| Assets per employee ($millions) | 5.2999% | 3,334 |
| Cash dividends to net income (ytd only)* | 29.2642% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,593 |
| Loan loss allowance to noncurrent loans | 122.8918% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.7631% | 1,195 |
| Noncurrent loans to loans | 1.0283% | 1,304 |
| Net loans and leases to total assets | 73.2758% | 877 |
| Net loans and leases to deposits | 83.2029% | 1,224 |
| Net loans and leases to core deposits | 88.9694% | 1,290 |
| Total domestic deposits to total assets | 88.0688% | 1,814 |
| Equity capital to assets | 9.3510% | 3,334 |
| Core capital (leverage) ratio | 8.1658% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1037% | 2,631 |
| Memoranda: | ||
| Average total assets | $575,218,500 | 1,498 |
| Average earning assets | $526,075,000 | 1,525 |
| Average equity | $55,194,500 | 1,628 |
| Average total loans | $439,216,500 | 1,308 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 1,260 |
| Cost of funding earning assets | 0.8201% | 1,128 |
| Net interest margin | 3.7011% | 1,796 |
| Noninterest income to average assets | 1.6340% | 469 |
| Noninterest expense to average assets | 3.4905% | 696 |
| Loan and lease loss provision to assets | 0.2319% | 1,675 |
| Net operating income to assets | 1.0406% | 2,137 |
| Return on assets (ROA) | 1.2688% | 1,444 |
| Pretax return on assets | 1.5399% | 1,224 |
| Return on Equity (ROE) | 12.3010% | 1,232 |
| Retained earnings to average equity (ytd only) | 3.1198% | 3,279 |
| Net charge-offs to loans | 0.0270% | 2,494 |
| Credit loss provision to net charge-offs | 1,081.0811% | 739 |
| Earnings coverage of net charge-offs (x) | 69.6216% | 979 |
| Efficiency ratio | 69.0721% | 2,083 |
| Assets per employee ($millions) | 4.6794% | 3,735 |
| Cash dividends to net income (ytd only)* | 74.6382% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2656% | 2,590 |
| Loan loss allowance to noncurrent loans | 119.2854% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8343% | 1,204 |
| Noncurrent loans to loans | 1.0610% | 1,340 |
| Net loans and leases to total assets | 77.6454% | 633 |
| Net loans and leases to deposits | 88.9219% | 1,008 |
| Net loans and leases to core deposits | 95.6147% | 1,145 |
| Total domestic deposits to total assets | 87.3187% | 1,787 |
| Equity capital to assets | 9.8559% | 3,255 |
| Core capital (leverage) ratio | 8.4676% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7050% | 2,727 |
| Memoranda: | ||
| Average total assets | $517,433,600 | 1,497 |
| Average earning assets | $468,348,400 | 1,543 |
| Average equity | $53,369,600 | 1,594 |
| Average total loans | $411,823,200 | 1,318 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 1,372 |
| Cost of funding earning assets | 0.8743% | 1,158 |
| Net interest margin | 3.7045% | 1,927 |
| Noninterest income to average assets | 1.6176% | 457 |
| Noninterest expense to average assets | 3.5393% | 672 |
| Loan and lease loss provision to assets | 0.2364% | 1,720 |
| Net operating income to assets | 0.9815% | 2,404 |
| Return on assets (ROA) | 1.2921% | 1,477 |
| Pretax return on assets | 1.5663% | 1,279 |
| Return on Equity (ROE) | 12.3765% | 1,280 |
| Retained earnings to average equity (ytd only) | 2.0607% | 3,915 |
| Net charge-offs to loans | 0.0470% | 1,940 |
| Credit loss provision to net charge-offs | 629.3706% | 1,138 |
| Earnings coverage of net charge-offs (x) | 37.9091% | 1,405 |
| Efficiency ratio | 70.3255% | 1,841 |
| Assets per employee ($millions) | 4.6009% | 3,723 |
| Cash dividends to net income (ytd only)* | 83.3503% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1960% | 2,689 |
| Loan loss allowance to noncurrent loans | 182.6148% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,103 |
| Noncurrent loans to loans | 0.6549% | 2,151 |
| Net loans and leases to total assets | 80.6449% | 553 |
| Net loans and leases to deposits | 93.8490% | 935 |
| Net loans and leases to core deposits | 101.6322% | 1,053 |
| Total domestic deposits to total assets | 85.9305% | 2,100 |
| Equity capital to assets | 10.0542% | 3,181 |
| Core capital (leverage) ratio | 8.4071% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7488% | 2,704 |
| Memoranda: | ||
| Average total assets | $507,581,000 | 1,499 |
| Average earning assets | $458,417,000 | 1,548 |
| Average equity | $52,991,500 | 1,594 |
| Average total loans | $405,302,500 | 1,329 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 1,481 |
| Cost of funding earning assets | 0.9279% | 1,244 |
| Net interest margin | 3.7400% | 2,025 |
| Noninterest income to average assets | 1.6028% | 406 |
| Noninterest expense to average assets | 3.6262% | 629 |
| Loan and lease loss provision to assets | 0.2405% | 1,750 |
| Net operating income to assets | 0.9117% | 2,647 |
| Return on assets (ROA) | 1.3915% | 1,222 |
| Pretax return on assets | 1.6866% | 1,029 |
| Return on Equity (ROE) | 13.1555% | 1,066 |
| Retained earnings to average equity (ytd only) | 1.4061% | 3,970 |
| Net charge-offs to loans | 0.1053% | 1,231 |
| Credit loss provision to net charge-offs | 288.4615% | 1,652 |
| Earnings coverage of net charge-offs (x) | 16.1779% | 1,871 |
| Efficiency ratio | 71.8856% | 1,697 |
| Assets per employee ($millions) | 4.5816% | 3,676 |
| Cash dividends to net income (ytd only)* | 89.3114% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 2,902 |
| Loan loss allowance to noncurrent loans | 142.3325% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 1,880 |
| Noncurrent loans to loans | 0.7904% | 1,913 |
| Net loans and leases to total assets | 79.4367% | 666 |
| Net loans and leases to deposits | 92.3007% | 1,123 |
| Net loans and leases to core deposits | 100.3145% | 1,240 |
| Total domestic deposits to total assets | 86.0630% | 1,981 |
| Equity capital to assets | 9.9226% | 3,273 |
| Core capital (leverage) ratio | 8.4839% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5748% | 2,783 |
| Memoranda: | ||
| Average total assets | $498,875,000 | 1,504 |
| Average earning assets | $449,837,000 | 1,542 |
| Average equity | $52,769,000 | 1,585 |
| Average total loans | $395,199,667 | 1,343 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,651 |
| Cost of funding earning assets | 0.9948% | 1,439 |
| Net interest margin | 3.7274% | 2,226 |
| Noninterest income to average assets | 1.6274% | 345 |
| Noninterest expense to average assets | 3.7403% | 674 |
| Loan and lease loss provision to assets | 0.1249% | 2,139 |
| Net operating income to assets | 0.9215% | 2,451 |
| Return on assets (ROA) | 1.3667% | 1,144 |
| Pretax return on assets | 1.6532% | 942 |
| Return on Equity (ROE) | 12.4889% | 991 |
| Retained earnings to average equity (ytd only) | 0.3120% | 3,917 |
| Net charge-offs to loans | 0.4472% | 324 |
| Credit loss provision to net charge-offs | 35.5450% | 2,121 |
| Earnings coverage of net charge-offs (x) | 3.5332% | 2,207 |
| Efficiency ratio | 74.0388% | 1,811 |
| Assets per employee ($millions) | 4.0720% | 3,824 |
| Cash dividends to net income (ytd only)* | 97.5015% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0978% | 3,218 |
| Loan loss allowance to noncurrent loans | 141.8250% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 2,163 |
| Noncurrent loans to loans | 0.7741% | 2,067 |
| Net loans and leases to total assets | 77.0863% | 1,120 |
| Net loans and leases to deposits | 89.6930% | 1,549 |
| Net loans and leases to core deposits | 98.4812% | 1,589 |
| Total domestic deposits to total assets | 85.9446% | 2,022 |
| Equity capital to assets | 10.7673% | 3,081 |
| Core capital (leverage) ratio | 9.2242% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3993% | 2,971 |
| Memoranda: | ||
| Average total assets | $480,288,500 | 1,510 |
| Average earning assets | $432,253,000 | 1,545 |
| Average equity | $52,558,500 | 1,586 |
| Average total loans | $377,467,500 | 1,362 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,306 |
| Cost of funding earning assets | 1.0233% | 1,624 |
| Net interest margin | 4.0383% | 1,715 |
| Noninterest income to average assets | 1.6469% | 349 |
| Noninterest expense to average assets | 4.1022% | 469 |
| Loan and lease loss provision to assets | 0.1580% | 1,329 |
| Net operating income to assets | 0.8706% | 3,311 |
| Return on assets (ROA) | 0.9672% | 3,048 |
| Pretax return on assets | 1.0958% | 3,180 |
| Return on Equity (ROE) | 8.7016% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.5186% | 3,247 |
| Net charge-offs to loans | 0.1917% | 1,054 |
| Credit loss provision to net charge-offs | 103.2999% | 2,399 |
| Earnings coverage of net charge-offs (x) | 7.4792% | 2,872 |
| Efficiency ratio | 77.1554% | 1,246 |
| Assets per employee ($millions) | 3.7755% | 4,178 |
| Cash dividends to net income (ytd only)* | 59.5643% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1904% | 2,493 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 1,241 |
| Noncurrent loans to loans | 1.1904% | 1,268 |
| Net loans and leases to total assets | 78.3212% | 1,025 |
| Net loans and leases to deposits | 89.4243% | 1,654 |
| Net loans and leases to core deposits | 99.4182% | 1,615 |
| Total domestic deposits to total assets | 87.5838% | 1,328 |
| Equity capital to assets | 11.1251% | 2,882 |
| Core capital (leverage) ratio | 9.3798% | 4,190 |
| Tier 1 risk-based capital ratio | 11.5813% | 4,586 |
| Total risk-based capital ratio | 12.7888% | 4,491 |
| Memoranda: | ||
| Average total assets | $455,655,200 | 1,533 |
| Average earning assets | $406,141,200 | 1,598 |
| Average equity | $50,645,600 | 1,581 |
| Average total loans | $363,675,000 | 1,374 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 1,326 |
| Cost of funding earning assets | 1.0164% | 1,697 |
| Net interest margin | 4.0640% | 1,717 |
| Noninterest income to average assets | 1.7045% | 336 |
| Noninterest expense to average assets | 4.0077% | 525 |
| Loan and lease loss provision to assets | 0.1594% | 1,180 |
| Net operating income to assets | 0.9850% | 3,034 |
| Return on assets (ROA) | 1.1107% | 2,620 |
| Pretax return on assets | 1.3023% | 2,662 |
| Return on Equity (ROE) | 9.9956% | 2,430 |
| Retained earnings to average equity (ytd only) | 4.8809% | 2,947 |
| Net charge-offs to loans | 0.1484% | 1,100 |
| Credit loss provision to net charge-offs | 134.3284% | 1,780 |
| Earnings coverage of net charge-offs (x) | 11.0696% | 2,457 |
| Efficiency ratio | 74.2787% | 1,521 |
| Assets per employee ($millions) | 3.6834% | 4,296 |
| Cash dividends to net income (ytd only)* | 51.1696% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,276 |
| Loan loss allowance to noncurrent loans | 84.2960% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 1,054 |
| Noncurrent loans to loans | 1.4740% | 1,030 |
| Net loans and leases to total assets | 79.4883% | 916 |
| Net loans and leases to deposits | 91.3698% | 1,521 |
| Net loans and leases to core deposits | 102.5506% | 1,453 |
| Total domestic deposits to total assets | 86.9962% | 1,520 |
| Equity capital to assets | 11.5141% | 2,647 |
| Core capital (leverage) ratio | 9.6181% | 4,053 |
| Tier 1 risk-based capital ratio | 11.6173% | 4,611 |
| Total risk-based capital ratio | 12.8595% | 4,516 |
| Memoranda: | ||
| Average total assets | $451,584,000 | 1,555 |
| Average earning assets | $401,924,250 | 1,618 |
| Average equity | $50,181,000 | 1,596 |
| Average total loans | $361,073,250 | 1,391 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 1,391 |
| Cost of funding earning assets | 0.9845% | 1,774 |
| Net interest margin | 4.0478% | 1,772 |
| Noninterest income to average assets | 1.5796% | 368 |
| Noninterest expense to average assets | 4.0279% | 518 |
| Loan and lease loss provision to assets | 0.1600% | 1,135 |
| Net operating income to assets | 0.8655% | 3,411 |
| Return on assets (ROA) | 0.8652% | 3,476 |
| Pretax return on assets | 0.9976% | 3,562 |
| Return on Equity (ROE) | 7.8821% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.0216% | 3,708 |
| Net charge-offs to loans | 0.2307% | 732 |
| Credit loss provision to net charge-offs | 86.9565% | 2,162 |
| Earnings coverage of net charge-offs (x) | 6.2923% | 2,585 |
| Efficiency ratio | 76.6052% | 1,321 |
| Assets per employee ($millions) | 3.6742% | 4,276 |
| Cash dividends to net income (ytd only)* | 61.6650% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,511 |
| Loan loss allowance to noncurrent loans | 94.1265% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 1,336 |
| Noncurrent loans to loans | 1.2779% | 1,237 |
| Net loans and leases to total assets | 78.8735% | 1,062 |
| Net loans and leases to deposits | 90.3386% | 1,698 |
| Net loans and leases to core deposits | 103.0814% | 1,460 |
| Total domestic deposits to total assets | 87.3088% | 1,435 |
| Equity capital to assets | 11.2988% | 2,785 |
| Core capital (leverage) ratio | 9.4628% | 4,183 |
| Tier 1 risk-based capital ratio | 11.1152% | 4,863 |
| Total risk-based capital ratio | 12.2855% | 4,810 |
| Memoranda: | ||
| Average total assets | $449,863,670 | 1,565 |
| Average earning assets | $400,813,330 | 1,627 |
| Average equity | $49,378,000 | 1,611 |
| Average total loans | $358,888,670 | 1,401 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 1,371 |
| Cost of funding earning assets | 0.9513% | 1,785 |
| Net interest margin | 4.0321% | 1,747 |
| Noninterest income to average assets | 1.6340% | 331 |
| Noninterest expense to average assets | 4.0072% | 531 |
| Loan and lease loss provision to assets | 0.1611% | 1,049 |
| Net operating income to assets | 0.9180% | 3,170 |
| Return on assets (ROA) | 0.9172% | 3,210 |
| Pretax return on assets | 1.0568% | 3,274 |
| Return on Equity (ROE) | 8.4836% | 3,048 |
| Retained earnings to average equity (ytd only) | 3.5176% | 3,507 |
| Net charge-offs to loans | 0.0494% | 1,578 |
| Credit loss provision to net charge-offs | 409.0909% | 684 |
| Earnings coverage of net charge-offs (x) | 30.9545% | 1,315 |
| Efficiency ratio | 75.6164% | 1,542 |
| Assets per employee ($millions) | 3.8176% | 4,161 |
| Cash dividends to net income (ytd only)* | 58.5366% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 2,197 |
| Loan loss allowance to noncurrent loans | 80.6999% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2731% | 1,039 |
| Noncurrent loans to loans | 1.5834% | 1,002 |
| Net loans and leases to total assets | 78.3114% | 1,105 |
| Net loans and leases to deposits | 90.5052% | 1,568 |
| Net loans and leases to core deposits | 102.2489% | 1,440 |
| Total domestic deposits to total assets | 86.5270% | 2,053 |
| Equity capital to assets | 11.1787% | 2,680 |
| Core capital (leverage) ratio | 9.6343% | 3,989 |
| Tier 1 risk-based capital ratio | 11.0878% | 4,934 |
| Total risk-based capital ratio | 12.3166% | 4,850 |
| Memoranda: | ||
| Average total assets | $446,996,000 | 1,580 |
| Average earning assets | $398,203,000 | 1,644 |
| Average equity | $48,328,500 | 1,624 |
| Average total loans | $356,472,000 | 1,416 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 1,126 |
| Cost of funding earning assets | 0.7645% | 1,717 |
| Net interest margin | 4.1963% | 1,394 |
| Noninterest income to average assets | 1.6892% | 336 |
| Noninterest expense to average assets | 4.1090% | 463 |
| Loan and lease loss provision to assets | 0.1136% | 1,939 |
| Net operating income to assets | 1.0149% | 2,948 |
| Return on assets (ROA) | 1.0191% | 2,915 |
| Pretax return on assets | 1.1983% | 2,886 |
| Return on Equity (ROE) | 9.5079% | 2,743 |
| Retained earnings to average equity (ytd only) | 4.7043% | 2,930 |
| Net charge-offs to loans | 0.0990% | 1,775 |
| Credit loss provision to net charge-offs | 144.1441% | 1,888 |
| Earnings coverage of net charge-offs (x) | 16.5796% | 2,237 |
| Efficiency ratio | 74.7847% | 1,525 |
| Assets per employee ($millions) | 3.6959% | 4,324 |
| Cash dividends to net income (ytd only)* | 50.5226% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,319 |
| Loan loss allowance to noncurrent loans | 81.7947% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 1,030 |
| Noncurrent loans to loans | 1.5239% | 996 |
| Net loans and leases to total assets | 79.1386% | 1,069 |
| Net loans and leases to deposits | 92.6810% | 1,440 |
| Net loans and leases to core deposits | 104.2346% | 1,393 |
| Total domestic deposits to total assets | 85.3882% | 2,472 |
| Equity capital to assets | 10.4529% | 3,234 |
| Core capital (leverage) ratio | 8.9266% | 4,718 |
| Tier 1 risk-based capital ratio | 10.4027% | 5,219 |
| Total risk-based capital ratio | 11.6217% | 5,130 |
| Memoranda: | ||
| Average total assets | $422,438,600 | 1,615 |
| Average earning assets | $375,162,400 | 1,699 |
| Average equity | $45,278,200 | 1,657 |
| Average total loans | $336,372,200 | 1,455 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 1,149 |
| Cost of funding earning assets | 0.7132% | 1,781 |
| Net interest margin | 4.1891% | 1,384 |
| Noninterest income to average assets | 1.7514% | 340 |
| Noninterest expense to average assets | 4.0874% | 466 |
| Loan and lease loss provision to assets | 0.1246% | 1,612 |
| Net operating income to assets | 1.0609% | 2,818 |
| Return on assets (ROA) | 1.0665% | 2,817 |
| Pretax return on assets | 1.2631% | 2,757 |
| Return on Equity (ROE) | 9.8854% | 2,671 |
| Retained earnings to average equity (ytd only) | 5.2197% | 3,107 |
| Net charge-offs to loans | 0.0804% | 1,718 |
| Credit loss provision to net charge-offs | 195.0000% | 1,412 |
| Earnings coverage of net charge-offs (x) | 21.6050% | 1,913 |
| Efficiency ratio | 73.6587% | 1,646 |
| Assets per employee ($millions) | 3.5200% | 4,534 |
| Cash dividends to net income (ytd only)* | 47.1982% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 1,898 |
| Loan loss allowance to noncurrent loans | 84.0158% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3011% | 1,049 |
| Noncurrent loans to loans | 1.6023% | 988 |
| Net loans and leases to total assets | 78.2551% | 1,303 |
| Net loans and leases to deposits | 90.4116% | 1,833 |
| Net loans and leases to core deposits | 103.3379% | 1,504 |
| Total domestic deposits to total assets | 86.5542% | 1,946 |
| Equity capital to assets | 10.8682% | 2,783 |
| Core capital (leverage) ratio | 9.2333% | 4,479 |
| Tier 1 risk-based capital ratio | 10.8021% | 5,131 |
| Total risk-based capital ratio | 12.0526% | 5,026 |
| Memoranda: | ||
| Average total assets | $417,172,250 | 1,649 |
| Average earning assets | $370,159,250 | 1,726 |
| Average equity | $45,008,000 | 1,669 |
| Average total loans | $331,612,000 | 1,473 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8234% | 1,192 |
| Cost of funding earning assets | 0.6682% | 1,821 |
| Net interest margin | 4.1552% | 1,395 |
| Noninterest income to average assets | 1.6903% | 356 |
| Noninterest expense to average assets | 4.1008% | 470 |
| Loan and lease loss provision to assets | 0.1440% | 1,339 |
| Net operating income to assets | 0.9563% | 3,208 |
| Return on assets (ROA) | 0.9563% | 3,214 |
| Pretax return on assets | 1.1296% | 3,193 |
| Return on Equity (ROE) | 8.8857% | 3,076 |
| Retained earnings to average equity (ytd only) | 4.3135% | 3,444 |
| Net charge-offs to loans | 0.0048% | 3,000 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 331.6250% | 276 |
| Efficiency ratio | 75.1943% | 1,531 |
| Assets per employee ($millions) | 3.5229% | 4,560 |
| Cash dividends to net income (ytd only)* | 51.4558% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 1,840 |
| Loan loss allowance to noncurrent loans | 95.3711% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1527% | 1,262 |
| Noncurrent loans to loans | 1.4396% | 1,176 |
| Net loans and leases to total assets | 77.7256% | 1,360 |
| Net loans and leases to deposits | 92.9185% | 1,487 |
| Net loans and leases to core deposits | 105.8985% | 1,248 |
| Total domestic deposits to total assets | 83.6492% | 3,195 |
| Equity capital to assets | 10.6865% | 2,946 |
| Core capital (leverage) ratio | 9.1564% | 4,512 |
| Tier 1 risk-based capital ratio | 10.6190% | 5,224 |
| Total risk-based capital ratio | 11.8701% | 5,121 |
| Memoranda: | ||
| Average total assets | $416,604,670 | 1,650 |
| Average earning assets | $369,366,670 | 1,739 |
| Average equity | $44,836,000 | 1,678 |
| Average total loans | $331,394,670 | 1,477 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7941% | 1,095 |
| Cost of funding earning assets | 0.6422% | 1,764 |
| Net interest margin | 4.1519% | 1,294 |
| Noninterest income to average assets | 1.7742% | 318 |
| Noninterest expense to average assets | 4.0022% | 531 |
| Loan and lease loss provision to assets | 0.1451% | 1,282 |
| Net operating income to assets | 1.0854% | 2,493 |
| Return on assets (ROA) | 1.0854% | 2,512 |
| Pretax return on assets | 1.3109% | 2,323 |
| Return on Equity (ROE) | 10.0006% | 2,427 |
| Retained earnings to average equity (ytd only) | 5.5440% | 2,933 |
| Net charge-offs to loans | 0.0738% | 1,381 |
| Credit loss provision to net charge-offs | 245.9016% | 922 |
| Earnings coverage of net charge-offs (x) | 24.6721% | 1,354 |
| Efficiency ratio | 72.2262% | 2,160 |
| Assets per employee ($millions) | 3.5821% | 4,564 |
| Cash dividends to net income (ytd only)* | 44.5633% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,055 |
| Loan loss allowance to noncurrent loans | 83.7869% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 1,136 |
| Noncurrent loans to loans | 1.5999% | 1,088 |
| Net loans and leases to total assets | 78.1114% | 1,222 |
| Net loans and leases to deposits | 89.1475% | 1,795 |
| Net loans and leases to core deposits | 100.7322% | 1,635 |
| Total domestic deposits to total assets | 87.6204% | 1,840 |
| Equity capital to assets | 10.9226% | 2,658 |
| Core capital (leverage) ratio | 9.0910% | 4,577 |
| Tier 1 risk-based capital ratio | 10.8307% | 5,232 |
| Total risk-based capital ratio | 12.0815% | 5,126 |
| Memoranda: | ||
| Average total assets | $413,472,000 | 1,672 |
| Average earning assets | $366,869,500 | 1,758 |
| Average equity | $44,877,500 | 1,679 |
| Average total loans | $330,512,500 | 1,487 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 965 |
| Cost of funding earning assets | 0.5652% | 1,854 |
| Net interest margin | 4.2423% | 1,096 |
| Noninterest income to average assets | 1.6008% | 405 |
| Noninterest expense to average assets | 3.9231% | 600 |
| Loan and lease loss provision to assets | 0.2423% | 784 |
| Net operating income to assets | 0.8138% | 3,101 |
| Return on assets (ROA) | 0.8138% | 3,142 |
| Pretax return on assets | 1.1814% | 2,844 |
| Return on Equity (ROE) | 7.4877% | 3,039 |
| Retained earnings to average equity (ytd only) | 1.8923% | 4,181 |
| Net charge-offs to loans | 0.3787% | 668 |
| Credit loss provision to net charge-offs | 79.8381% | 2,945 |
| Earnings coverage of net charge-offs (x) | 4.6915% | 3,428 |
| Efficiency ratio | 72.2335% | 2,185 |
| Assets per employee ($millions) | 3.6087% | 4,558 |
| Cash dividends to net income (ytd only)* | 74.7283% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 2,324 |
| Loan loss allowance to noncurrent loans | 74.6948% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 1.4318% | 977 |
| Noncurrent loans to loans | 1.7123% | 949 |
| Net loans and leases to total assets | 79.6614% | 1,007 |
| Net loans and leases to deposits | 91.5874% | 1,581 |
| Net loans and leases to core deposits | 104.0844% | 1,409 |
| Total domestic deposits to total assets | 86.9785% | 2,008 |
| Equity capital to assets | 10.7856% | 2,857 |
| Core capital (leverage) ratio | 8.9732% | 4,680 |
| Tier 1 risk-based capital ratio | 10.6204% | 5,330 |
| Total risk-based capital ratio | 11.8705% | 5,226 |
| Memoranda: | ||
| Average total assets | $406,972,400 | 1,678 |
| Average earning assets | $359,359,200 | 1,755 |
| Average equity | $44,232,800 | 1,677 |
| Average total loans | $326,141,800 | 1,458 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7739% | 975 |
| Cost of funding earning assets | 0.5443% | 1,936 |
| Net interest margin | 4.2297% | 1,083 |
| Noninterest income to average assets | 1.5998% | 429 |
| Noninterest expense to average assets | 3.8346% | 645 |
| Loan and lease loss provision to assets | 0.1679% | 1,205 |
| Net operating income to assets | 0.9456% | 2,805 |
| Return on assets (ROA) | 0.9456% | 2,866 |
| Pretax return on assets | 1.3301% | 2,360 |
| Return on Equity (ROE) | 8.6829% | 2,772 |
| Retained earnings to average equity (ytd only) | 2.7119% | 4,275 |
| Net charge-offs to loans | 0.1469% | 1,364 |
| Credit loss provision to net charge-offs | 142.8571% | 1,748 |
| Earnings coverage of net charge-offs (x) | 12.7451% | 2,404 |
| Efficiency ratio | 70.7600% | 2,406 |
| Assets per employee ($millions) | 3.4728% | 4,764 |
| Cash dividends to net income (ytd only)* | 68.7674% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,873 |
| Loan loss allowance to noncurrent loans | 118.2484% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 1,725 |
| Noncurrent loans to loans | 1.1870% | 1,619 |
| Net loans and leases to total assets | 79.6360% | 1,038 |
| Net loans and leases to deposits | 96.9916% | 1,007 |
| Net loans and leases to core deposits | 107.3877% | 1,179 |
| Total domestic deposits to total assets | 82.1060% | 3,739 |
| Equity capital to assets | 10.8506% | 3,016 |
| Core capital (leverage) ratio | 9.2294% | 4,489 |
| Tier 1 risk-based capital ratio | 10.8107% | 5,341 |
| Total risk-based capital ratio | 12.0627% | 5,253 |
| Memoranda: | ||
| Average total assets | $404,965,750 | 1,696 |
| Average earning assets | $357,404,250 | 1,783 |
| Average equity | $44,101,000 | 1,702 |
| Average total loans | $323,958,000 | 1,475 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7295% | 1,003 |
| Cost of funding earning assets | 0.5199% | 2,014 |
| Net interest margin | 4.2096% | 1,060 |
| Noninterest income to average assets | 1.5594% | 449 |
| Noninterest expense to average assets | 3.7434% | 725 |
| Loan and lease loss provision to assets | 0.1790% | 1,063 |
| Net operating income to assets | 0.9523% | 2,644 |
| Return on assets (ROA) | 0.9523% | 2,704 |
| Pretax return on assets | 1.3451% | 2,231 |
| Return on Equity (ROE) | 8.7335% | 2,644 |
| Retained earnings to average equity (ytd only) | 2.2347% | 4,337 |
| Net charge-offs to loans | 0.1322% | 1,366 |
| Credit loss provision to net charge-offs | 169.8113% | 1,406 |
| Earnings coverage of net charge-offs (x) | 14.4575% | 2,071 |
| Efficiency ratio | 69.8952% | 2,691 |
| Assets per employee ($millions) | 3.3382% | 4,939 |
| Cash dividends to net income (ytd only)* | 74.4125% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4376% | 1,786 |
| Loan loss allowance to noncurrent loans | 101.6287% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.1450% | 1,503 |
| Noncurrent loans to loans | 1.4146% | 1,350 |
| Net loans and leases to total assets | 79.4359% | 1,034 |
| Net loans and leases to deposits | 93.3675% | 1,323 |
| Net loans and leases to core deposits | 103.6550% | 1,382 |
| Total domestic deposits to total assets | 85.0787% | 2,776 |
| Equity capital to assets | 10.9995% | 2,803 |
| Core capital (leverage) ratio | 9.3441% | 4,306 |
| Tier 1 risk-based capital ratio | 10.7431% | 5,364 |
| Total risk-based capital ratio | 11.9949% | 5,290 |
| Memoranda: | ||
| Average total assets | $402,198,330 | 1,710 |
| Average earning assets | $354,283,670 | 1,794 |
| Average equity | $43,854,000 | 1,706 |
| Average total loans | $320,679,000 | 1,488 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,005 |
| Cost of funding earning assets | 0.5096% | 2,009 |
| Net interest margin | 4.1530% | 1,088 |
| Noninterest income to average assets | 1.6694% | 406 |
| Noninterest expense to average assets | 3.5671% | 946 |
| Loan and lease loss provision to assets | 0.1794% | 970 |
| Net operating income to assets | 1.0973% | 1,884 |
| Return on assets (ROA) | 1.0973% | 1,926 |
| Pretax return on assets | 1.5777% | 1,294 |
| Return on Equity (ROE) | 10.1088% | 1,921 |
| Retained earnings to average equity (ytd only) | 3.6818% | 3,601 |
| Net charge-offs to loans | 0.3507% | 523 |
| Credit loss provision to net charge-offs | 64.5161% | 1,874 |
| Earnings coverage of net charge-offs (x) | 6.3190% | 2,223 |
| Efficiency ratio | 65.8368% | 3,526 |
| Assets per employee ($millions) | 3.2254% | 5,129 |
| Cash dividends to net income (ytd only)* | 63.5786% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,956 |
| Loan loss allowance to noncurrent loans | 94.2189% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.2572% | 1,365 |
| Noncurrent loans to loans | 1.5161% | 1,312 |
| Net loans and leases to total assets | 77.7369% | 1,168 |
| Net loans and leases to deposits | 89.2931% | 1,634 |
| Net loans and leases to core deposits | 98.8704% | 1,591 |
| Total domestic deposits to total assets | 87.0582% | 2,188 |
| Equity capital to assets | 11.1459% | 2,482 |
| Core capital (leverage) ratio | 9.2168% | 4,457 |
| Tier 1 risk-based capital ratio | 11.0716% | 5,274 |
| Total risk-based capital ratio | 12.3233% | 5,173 |
| Memoranda: | ||
| Average total assets | $401,334,000 | 1,728 |
| Average earning assets | $353,190,000 | 1,810 |
| Average equity | $43,566,000 | 1,724 |
| Average total loans | $318,247,000 | 1,504 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 828 |
| Cost of funding earning assets | 0.4920% | 2,149 |
| Net interest margin | 4.3448% | 862 |
| Noninterest income to average assets | 1.5820% | 491 |
| Noninterest expense to average assets | 3.9969% | 600 |
| Loan and lease loss provision to assets | 0.5365% | 256 |
| Net operating income to assets | 0.6820% | 3,864 |
| Return on assets (ROA) | 0.6866% | 3,952 |
| Pretax return on assets | 0.9002% | 3,853 |
| Return on Equity (ROE) | 6.2602% | 3,865 |
| Retained earnings to average equity (ytd only) | 0.4847% | 5,134 |
| Net charge-offs to loans | 0.1620% | 1,667 |
| Credit loss provision to net charge-offs | 410.6464% | 777 |
| Earnings coverage of net charge-offs (x) | 10.9506% | 2,581 |
| Efficiency ratio | 72.5596% | 2,495 |
| Assets per employee ($millions) | 3.4060% | 4,896 |
| Cash dividends to net income (ytd only)* | 92.2576% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 2,125 |
| Loan loss allowance to noncurrent loans | 86.5877% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.3210% | 1,324 |
| Noncurrent loans to loans | 1.6047% | 1,227 |
| Net loans and leases to total assets | 78.6944% | 1,093 |
| Net loans and leases to deposits | 92.1717% | 1,433 |
| Net loans and leases to core deposits | 101.9468% | 1,449 |
| Total domestic deposits to total assets | 85.3780% | 2,887 |
| Equity capital to assets | 10.6241% | 3,010 |
| Core capital (leverage) ratio | 8.9953% | 4,751 |
| Tier 1 risk-based capital ratio | 10.6994% | 5,486 |
| Total risk-based capital ratio | 11.9506% | 5,401 |
| Memoranda: | ||
| Average total assets | $402,586,400 | 1,671 |
| Average earning assets | $356,332,200 | 1,741 |
| Average equity | $44,151,600 | 1,682 |
| Average total loans | $324,726,200 | 1,435 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8486% | 812 |
| Cost of funding earning assets | 0.4767% | 2,304 |
| Net interest margin | 4.3719% | 816 |
| Noninterest income to average assets | 1.6742% | 442 |
| Noninterest expense to average assets | 3.9724% | 611 |
| Loan and lease loss provision to assets | 0.1596% | 1,451 |
| Net operating income to assets | 0.9809% | 2,513 |
| Return on assets (ROA) | 0.9864% | 2,630 |
| Pretax return on assets | 1.4222% | 1,959 |
| Return on Equity (ROE) | 8.9229% | 2,541 |
| Retained earnings to average equity (ytd only) | 2.7578% | 4,235 |
| Net charge-offs to loans | 0.1632% | 1,397 |
| Credit loss provision to net charge-offs | 120.9068% | 2,078 |
| Earnings coverage of net charge-offs (x) | 11.9244% | 2,434 |
| Efficiency ratio | 70.5808% | 2,812 |
| Assets per employee ($millions) | 3.3346% | 5,003 |
| Cash dividends to net income (ytd only)* | 69.0935% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9027% | 4,859 |
| Loan loss allowance to noncurrent loans | 67.4740% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 1,795 |
| Noncurrent loans to loans | 1.3378% | 1,648 |
| Net loans and leases to total assets | 81.1072% | 743 |
| Net loans and leases to deposits | 98.0595% | 849 |
| Net loans and leases to core deposits | 108.3360% | 1,025 |
| Total domestic deposits to total assets | 82.7122% | 3,704 |
| Equity capital to assets | 11.1337% | 2,882 |
| Core capital (leverage) ratio | 9.2952% | 4,462 |
| Tier 1 risk-based capital ratio | 10.8415% | 5,461 |
| Total risk-based capital ratio | 11.7372% | 5,548 |
| Memoranda: | ||
| Average total assets | $401,054,500 | 1,682 |
| Average earning assets | $355,198,500 | 1,750 |
| Average equity | $44,334,000 | 1,683 |
| Average total loans | $324,366,000 | 1,433 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 759 |
| Cost of funding earning assets | 0.4513% | 2,553 |
| Net interest margin | 4.4269% | 722 |
| Noninterest income to average assets | 1.6520% | 458 |
| Noninterest expense to average assets | 3.9553% | 627 |
| Loan and lease loss provision to assets | 0.1500% | 1,530 |
| Net operating income to assets | 1.0117% | 2,337 |
| Return on assets (ROA) | 1.0117% | 2,476 |
| Pretax return on assets | 1.4641% | 1,793 |
| Return on Equity (ROE) | 9.1068% | 2,449 |
| Retained earnings to average equity (ytd only) | 2.1327% | 4,506 |
| Net charge-offs to loans | 0.2142% | 1,098 |
| Credit loss provision to net charge-offs | 86.9565% | 2,286 |
| Earnings coverage of net charge-offs (x) | 9.3594% | 2,427 |
| Efficiency ratio | 70.0144% | 2,986 |
| Assets per employee ($millions) | 3.1507% | 5,268 |
| Cash dividends to net income (ytd only)* | 76.5810% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 5,224 |
| Loan loss allowance to noncurrent loans | 98.3395% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 2,821 |
| Noncurrent loans to loans | 0.8338% | 2,662 |
| Net loans and leases to total assets | 79.9321% | 922 |
| Net loans and leases to deposits | 99.7926% | 710 |
| Net loans and leases to core deposits | 110.7004% | 892 |
| Total domestic deposits to total assets | 80.0982% | 4,513 |
| Equity capital to assets | 11.1311% | 2,914 |
| Core capital (leverage) ratio | 9.3739% | 4,366 |
| Tier 1 risk-based capital ratio | 10.9005% | 5,479 |
| Total risk-based capital ratio | 11.7112% | 5,606 |
| Memoranda: | ||
| Average total assets | $400,121,330 | 1,689 |
| Average earning assets | $354,060,000 | 1,756 |
| Average equity | $44,450,330 | 1,691 |
| Average total loans | $322,199,330 | 1,447 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8059% | 835 |
| Cost of funding earning assets | 0.4350% | 2,722 |
| Net interest margin | 4.3708% | 792 |
| Noninterest income to average assets | 1.4704% | 518 |
| Noninterest expense to average assets | 3.9464% | 644 |
| Loan and lease loss provision to assets | 0.1204% | 1,750 |
| Net operating income to assets | 0.8882% | 2,814 |
| Return on assets (ROA) | 0.8882% | 2,941 |
| Pretax return on assets | 1.2757% | 2,401 |
| Return on Equity (ROE) | 8.0035% | 2,910 |
| Retained earnings to average equity (ytd only) | 3.0296% | 3,998 |
| Net charge-offs to loans | 0.1234% | 1,368 |
| Credit loss provision to net charge-offs | 121.2121% | 1,436 |
| Earnings coverage of net charge-offs (x) | 14.0505% | 1,715 |
| Efficiency ratio | 72.9476% | 2,652 |
| Assets per employee ($millions) | 3.1731% | 5,315 |
| Cash dividends to net income (ytd only)* | 62.1469% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 5,223 |
| Loan loss allowance to noncurrent loans | 97.4661% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,876 |
| Noncurrent loans to loans | 0.8723% | 2,665 |
| Net loans and leases to total assets | 80.9393% | 693 |
| Net loans and leases to deposits | 97.2924% | 817 |
| Net loans and leases to core deposits | 105.4851% | 1,109 |
| Total domestic deposits to total assets | 83.1918% | 3,827 |
| Equity capital to assets | 11.3000% | 2,628 |
| Core capital (leverage) ratio | 9.4880% | 4,216 |
| Tier 1 risk-based capital ratio | 10.9982% | 5,507 |
| Total risk-based capital ratio | 11.8400% | 5,619 |
| Memoranda: | ||
| Average total assets | $398,539,500 | 1,693 |
| Average earning assets | $353,068,000 | 1,766 |
| Average equity | $44,230,500 | 1,697 |
| Average total loans | $320,789,500 | 1,446 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 474 |
| Cost of funding earning assets | 0.3583% | 3,610 |
| Net interest margin | 4.7871% | 382 |
| Noninterest income to average assets | 1.9020% | 384 |
| Noninterest expense to average assets | 4.4121% | 433 |
| Loan and lease loss provision to assets | 0.1060% | 2,219 |
| Net operating income to assets | 1.2852% | 1,302 |
| Return on assets (ROA) | 1.2908% | 1,337 |
| Pretax return on assets | 1.6483% | 1,120 |
| Return on Equity (ROE) | 12.0377% | 1,288 |
| Retained earnings to average equity (ytd only) | 7.8571% | 960 |
| Net charge-offs to loans | 0.2728% | 1,114 |
| Credit loss provision to net charge-offs | 48.0296% | 3,433 |
| Earnings coverage of net charge-offs (x) | 7.9200% | 3,024 |
| Efficiency ratio | 70.7644% | 3,101 |
| Assets per employee ($millions) | 3.1528% | 5,351 |
| Cash dividends to net income (ytd only)* | 34.7295% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 5,344 |
| Loan loss allowance to noncurrent loans | 117.4377% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.5982% | 3,287 |
| Noncurrent loans to loans | 0.7017% | 3,091 |
| Net loans and leases to total assets | 78.7341% | 1,026 |
| Net loans and leases to deposits | 99.9874% | 676 |
| Net loans and leases to core deposits | 106.3701% | 1,078 |
| Total domestic deposits to total assets | 78.7440% | 5,025 |
| Equity capital to assets | 10.8912% | 2,944 |
| Core capital (leverage) ratio | 9.2933% | 4,486 |
| Tier 1 risk-based capital ratio | 11.3312% | 5,360 |
| Total risk-based capital ratio | 12.1639% | 5,479 |
| Memoranda: | ||
| Average total assets | $368,080,400 | 1,783 |
| Average earning assets | $327,335,200 | 1,857 |
| Average equity | $39,467,600 | 1,820 |
| Average total loans | $297,705,600 | 1,476 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1955% | 443 |
| Cost of funding earning assets | 0.3432% | 3,831 |
| Net interest margin | 4.8524% | 337 |
| Noninterest income to average assets | 2.0325% | 355 |
| Noninterest expense to average assets | 4.3934% | 440 |
| Loan and lease loss provision to assets | 0.1007% | 2,169 |
| Net operating income to assets | 1.3730% | 1,170 |
| Return on assets (ROA) | 1.3801% | 1,211 |
| Pretax return on assets | 1.8864% | 746 |
| Return on Equity (ROE) | 13.4030% | 1,029 |
| Retained earnings to average equity (ytd only) | 9.6015% | 713 |
| Net charge-offs to loans | 0.2349% | 1,118 |
| Credit loss provision to net charge-offs | 52.4272% | 3,009 |
| Earnings coverage of net charge-offs (x) | 10.2990% | 2,608 |
| Efficiency ratio | 68.4534% | 3,460 |
| Assets per employee ($millions) | 3.0203% | 5,528 |
| Cash dividends to net income (ytd only)* | 28.3631% | 2,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 5,284 |
| Loan loss allowance to noncurrent loans | 187.9253% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 4,126 |
| Noncurrent loans to loans | 0.4663% | 3,957 |
| Net loans and leases to total assets | 80.5330% | 743 |
| Net loans and leases to deposits | 104.4667% | 431 |
| Net loans and leases to core deposits | 111.2341% | 802 |
| Total domestic deposits to total assets | 77.0897% | 5,328 |
| Equity capital to assets | 10.5264% | 3,576 |
| Core capital (leverage) ratio | 9.1327% | 4,833 |
| Tier 1 risk-based capital ratio | 10.8616% | 5,727 |
| Total risk-based capital ratio | 11.7596% | 5,807 |
| Memoranda: | ||
| Average total assets | $357,647,000 | 1,847 |
| Average earning assets | $319,753,000 | 1,905 |
| Average equity | $36,826,750 | 1,954 |
| Average total loans | $292,274,500 | 1,505 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5313% | 252 |
| Cost of funding earning assets | 0.3687% | 3,617 |
| Net interest margin | 5.1626% | 189 |
| Noninterest income to average assets | 2.0488% | 357 |
| Noninterest expense to average assets | 4.6861% | 370 |
| Loan and lease loss provision to assets | 0.1044% | 2,088 |
| Net operating income to assets | 1.4572% | 974 |
| Return on assets (ROA) | 1.4581% | 1,022 |
| Pretax return on assets | 1.8946% | 739 |
| Return on Equity (ROE) | 14.2819% | 849 |
| Retained earnings to average equity (ytd only) | 11.1586% | 484 |
| Net charge-offs to loans | 0.0800% | 2,252 |
| Credit loss provision to net charge-offs | 159.2920% | 1,469 |
| Earnings coverage of net charge-offs (x) | 30.4956% | 1,352 |
| Efficiency ratio | 69.7632% | 3,366 |
| Assets per employee ($millions) | 2.9756% | 5,625 |
| Cash dividends to net income (ytd only)* | 21.8688% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 4,884 |
| Loan loss allowance to noncurrent loans | 241.2490% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3651% | 4,433 |
| Noncurrent loans to loans | 0.4130% | 4,242 |
| Net loans and leases to total assets | 79.7665% | 833 |
| Net loans and leases to deposits | 99.2166% | 709 |
| Net loans and leases to core deposits | 106.2089% | 1,062 |
| Total domestic deposits to total assets | 80.3964% | 4,778 |
| Equity capital to assets | 10.5466% | 3,390 |
| Core capital (leverage) ratio | 9.7313% | 3,962 |
| Tier 1 risk-based capital ratio | 11.7802% | 5,293 |
| Total risk-based capital ratio | 12.7913% | 5,358 |
| Memoranda: | ||
| Average total assets | $344,974,670 | 1,916 |
| Average earning assets | $309,729,000 | 1,979 |
| Average equity | $35,219,330 | 2,040 |
| Average total loans | $282,547,000 | 1,544 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9062% | 142 |
| Cost of funding earning assets | 0.4358% | 2,922 |
| Net interest margin | 5.4704% | 126 |
| Noninterest income to average assets | 2.2024% | 321 |
| Noninterest expense to average assets | 5.1798% | 268 |
| Loan and lease loss provision to assets | 0.1116% | 1,851 |
| Net operating income to assets | 1.7163% | 570 |
| Return on assets (ROA) | 1.7163% | 599 |
| Pretax return on assets | 1.8304% | 823 |
| Return on Equity (ROE) | 17.1534% | 459 |
| Retained earnings to average equity (ytd only) | 17.1534% | 171 |
| Net charge-offs to loans | 0.0180% | 2,805 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 401 |
| Efficiency ratio | 72.7320% | 3,042 |
| Assets per employee ($millions) | 3.0784% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 4,943 |
| Loan loss allowance to noncurrent loans | 173.1936% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 4,124 |
| Noncurrent loans to loans | 0.5863% | 3,824 |
| Net loans and leases to total assets | 79.5492% | 735 |
| Net loans and leases to deposits | 99.2542% | 603 |
| Net loans and leases to core deposits | 106.2756% | 917 |
| Total domestic deposits to total assets | 80.1469% | 5,021 |
| Equity capital to assets | 10.4933% | 3,542 |
| Core capital (leverage) ratio | 9.2696% | 4,626 |
| Tier 1 risk-based capital ratio | 11.5259% | 5,546 |
| Total risk-based capital ratio | 12.5343% | 5,583 |
| Memoranda: | ||
| Average total assets | $322,559,500 | 2,068 |
| Average earning assets | $290,069,500 | 2,114 |
| Average equity | $32,273,500 | 2,223 |
| Average total loans | $266,789,000 | 1,644 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,251 |
| Cost of funding earning assets | 0.4139% | 3,557 |
| Net interest margin | 4.3087% | 1,043 |
| Noninterest income to average assets | 1.9536% | 355 |
| Noninterest expense to average assets | 4.6562% | 405 |
| Loan and lease loss provision to assets | 0.1390% | 1,903 |
| Net operating income to assets | 1.0409% | 2,209 |
| Return on assets (ROA) | 1.0416% | 2,280 |
| Pretax return on assets | 1.0416% | 3,340 |
| Return on Equity (ROE) | 10.8333% | 1,774 |
| Retained earnings to average equity (ytd only) | 2.4012% | 4,527 |
| Net charge-offs to loans | 0.1176% | 2,862 |
| Credit loss provision to net charge-offs | 140.0778% | 1,692 |
| Earnings coverage of net charge-offs (x) | 11.8911% | 2,442 |
| Efficiency ratio | 79.7830% | 1,964 |
| Assets per employee ($millions) | 2.7141% | 6,012 |
| Cash dividends to net income (ytd only)* | 77.8354% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 3,108 |
| Loan loss allowance to noncurrent loans | 672.9670% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1746% | 5,327 |
| Noncurrent loans to loans | 0.2028% | 5,091 |
| Net loans and leases to total assets | 84.9220% | 281 |
| Net loans and leases to deposits | 106.4782% | 341 |
| Net loans and leases to core deposits | 111.3905% | 715 |
| Total domestic deposits to total assets | 79.7553% | 5,077 |
| Equity capital to assets | 9.5774% | 4,623 |
| Core capital (leverage) ratio | 9.4963% | 4,246 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,828 |
| Total risk-based capital ratio | 12.4333% | 5,763 |
| Memoranda: | ||
| Average total assets | $259,012,200 | 2,440 |
| Average earning assets | $233,390,800 | 2,485 |
| Average equity | $24,904,600 | 2,677 |
| Average total loans | $218,484,400 | 1,911 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 1,247 |
| Cost of funding earning assets | 0.4121% | 3,659 |
| Net interest margin | 4.3141% | 1,017 |
| Noninterest income to average assets | 1.9951% | 345 |
| Noninterest expense to average assets | 4.3902% | 511 |
| Loan and lease loss provision to assets | 0.1392% | 1,796 |
| Net operating income to assets | 1.3569% | 1,236 |
| Return on assets (ROA) | 1.3558% | 1,286 |
| Pretax return on assets | 1.3558% | 2,168 |
| Return on Equity (ROE) | 14.0870% | 967 |
| Retained earnings to average equity (ytd only) | 5.5170% | 2,731 |
| Net charge-offs to loans | 0.1474% | 2,315 |
| Credit loss provision to net charge-offs | 112.5000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 12.0918% | 2,350 |
| Efficiency ratio | 74.5840% | 2,720 |
| Assets per employee ($millions) | 2.7348% | 6,041 |
| Cash dividends to net income (ytd only)* | 60.8365% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 3,437 |
| Loan loss allowance to noncurrent loans | 766.4103% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 5,401 |
| Noncurrent loans to loans | 0.1752% | 5,389 |
| Net loans and leases to total assets | 84.5456% | 298 |
| Net loans and leases to deposits | 107.9979% | 265 |
| Net loans and leases to core deposits | 112.9556% | 623 |
| Total domestic deposits to total assets | 78.2845% | 5,469 |
| Equity capital to assets | 9.7367% | 4,502 |
| Core capital (leverage) ratio | 9.7218% | 4,046 |
| Tier 1 risk-based capital ratio | 11.3584% | 5,856 |
| Total risk-based capital ratio | 12.6095% | 5,790 |
| Memoranda: | ||
| Average total assets | $258,627,250 | 2,463 |
| Average earning assets | $233,275,250 | 2,502 |
| Average equity | $24,892,250 | 2,681 |
| Average total loans | $217,023,500 | 1,939 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,276 |
| Cost of funding earning assets | 0.4114% | 3,756 |
| Net interest margin | 4.2904% | 1,042 |
| Noninterest income to average assets | 1.9843% | 351 |
| Noninterest expense to average assets | 4.2899% | 554 |
| Loan and lease loss provision to assets | 0.1394% | 1,778 |
| Net operating income to assets | 1.4243% | 1,012 |
| Return on assets (ROA) | 1.4181% | 1,067 |
| Pretax return on assets | 1.4181% | 1,827 |
| Return on Equity (ROE) | 14.7916% | 825 |
| Retained earnings to average equity (ytd only) | 7.1171% | 1,712 |
| Net charge-offs to loans | 0.1887% | 1,902 |
| Credit loss provision to net charge-offs | 88.6700% | 2,205 |
| Earnings coverage of net charge-offs (x) | 9.9458% | 2,300 |
| Efficiency ratio | 73.2866% | 3,106 |
| Assets per employee ($millions) | 2.7111% | 6,126 |
| Cash dividends to net income (ytd only)* | 51.8842% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3486% | 3,591 |
| Loan loss allowance to noncurrent loans | 712.6214% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 5,676 |
| Noncurrent loans to loans | 0.1892% | 5,444 |
| Net loans and leases to total assets | 83.3879% | 347 |
| Net loans and leases to deposits | 102.1396% | 444 |
| Net loans and leases to core deposits | 106.6390% | 862 |
| Total domestic deposits to total assets | 81.6411% | 4,769 |
| Equity capital to assets | 9.8137% | 4,332 |
| Core capital (leverage) ratio | 9.7378% | 3,985 |
| Tier 1 risk-based capital ratio | 11.5708% | 5,763 |
| Total risk-based capital ratio | 12.8223% | 5,716 |
| Memoranda: | ||
| Average total assets | $258,233,000 | 2,471 |
| Average earning assets | $232,890,000 | 2,515 |
| Average equity | $24,757,330 | 2,686 |
| Average total loans | $215,149,000 | 1,940 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 1,335 |
| Cost of funding earning assets | 0.4103% | 3,853 |
| Net interest margin | 4.2540% | 1,089 |
| Noninterest income to average assets | 1.9368% | 353 |
| Noninterest expense to average assets | 4.2758% | 559 |
| Loan and lease loss provision to assets | 0.1392% | 1,747 |
| Net operating income to assets | 1.3551% | 1,085 |
| Return on assets (ROA) | 1.3675% | 1,106 |
| Pretax return on assets | 1.3675% | 1,859 |
| Return on Equity (ROE) | 14.4338% | 871 |
| Retained earnings to average equity (ytd only) | 7.4945% | 1,825 |
| Net charge-offs to loans | 0.0206% | 3,167 |
| Credit loss provision to net charge-offs | 818.1818% | 367 |
| Earnings coverage of net charge-offs (x) | 87.8182% | 507 |
| Efficiency ratio | 74.1019% | 3,124 |
| Assets per employee ($millions) | 2.8095% | 6,089 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 3,480 |
| Loan loss allowance to noncurrent loans | 621.2679% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1892% | 5,652 |
| Noncurrent loans to loans | 0.2296% | 5,412 |
| Net loans and leases to total assets | 81.2246% | 430 |
| Net loans and leases to deposits | 96.3669% | 633 |
| Net loans and leases to core deposits | 100.4478% | 1,070 |
| Total domestic deposits to total assets | 84.2867% | 4,169 |
| Equity capital to assets | 9.5715% | 4,403 |
| Core capital (leverage) ratio | 9.5344% | 4,232 |
| Tier 1 risk-based capital ratio | 11.7969% | 5,765 |
| Total risk-based capital ratio | 13.0496% | 5,696 |
| Memoranda: | ||
| Average total assets | $258,570,000 | 2,473 |
| Average earning assets | $233,005,000 | 2,513 |
| Average equity | $24,498,000 | 2,698 |
| Average total loans | $213,869,000 | 1,950 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 1,215 |
| Cost of funding earning assets | 0.4563% | 4,057 |
| Net interest margin | 4.3879% | 933 |
| Noninterest income to average assets | 1.9349% | 413 |
| Noninterest expense to average assets | 4.2101% | 691 |
| Loan and lease loss provision to assets | 0.0487% | 4,158 |
| Net operating income to assets | 1.6390% | 636 |
| Return on assets (ROA) | 1.6390% | 652 |
| Pretax return on assets | 1.6390% | 1,077 |
| Return on Equity (ROE) | 16.7875% | 526 |
| Retained earnings to average equity (ytd only) | 5.2687% | 2,436 |
| Net charge-offs to loans | 0.0025% | 5,428 |
| Credit loss provision to net charge-offs | 2,400.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 831.4000% | 45 |
| Efficiency ratio | 71.3843% | 3,592 |
| Assets per employee ($millions) | 2.8425% | 6,055 |
| Cash dividends to net income (ytd only)* | 68.6153% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 3,758 |
| Loan loss allowance to noncurrent loans | 1,625.8242% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 6,039 |
| Noncurrent loans to loans | 0.0847% | 5,962 |
| Net loans and leases to total assets | 81.8804% | 423 |
| Net loans and leases to deposits | 100.6396% | 451 |
| Net loans and leases to core deposits | 105.0388% | 852 |
| Total domestic deposits to total assets | 81.3600% | 5,084 |
| Equity capital to assets | 9.3774% | 4,573 |
| Core capital (leverage) ratio | 9.5863% | 4,131 |
| Tier 1 risk-based capital ratio | 11.2899% | 6,030 |
| Total risk-based capital ratio | 12.5414% | 5,968 |
| Memoranda: | ||
| Average total assets | $246,314,000 | 2,564 |
| Average earning assets | $222,450,600 | 2,591 |
| Average equity | $24,047,600 | 2,727 |
| Average total loans | $199,894,400 | 2,001 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 1,242 |
| Cost of funding earning assets | 0.4527% | 4,250 |
| Net interest margin | 4.3968% | 900 |
| Noninterest income to average assets | 1.9614% | 432 |
| Noninterest expense to average assets | 4.2302% | 671 |
| Loan and lease loss provision to assets | 0.0493% | 4,029 |
| Net operating income to assets | 1.6538% | 675 |
| Return on assets (ROA) | 1.6538% | 710 |
| Pretax return on assets | 1.6538% | 1,202 |
| Return on Equity (ROE) | 16.7639% | 561 |
| Retained earnings to average equity (ytd only) | 6.7900% | 1,979 |
| Net charge-offs to loans | 0.0048% | 5,092 |
| Credit loss provision to net charge-offs | 1,285.7143% | 247 |
| Earnings coverage of net charge-offs (x) | 444.0043% | 131 |
| Efficiency ratio | 71.2953% | 3,554 |
| Assets per employee ($millions) | 2.8470% | 6,082 |
| Cash dividends to net income (ytd only)* | 59.4960% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 3,841 |
| Loan loss allowance to noncurrent loans | 1,100.3759% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 6,014 |
| Noncurrent loans to loans | 0.1283% | 5,936 |
| Net loans and leases to total assets | 82.5110% | 331 |
| Net loans and leases to deposits | 101.5614% | 406 |
| Net loans and leases to core deposits | 106.1977% | 748 |
| Total domestic deposits to total assets | 81.2425% | 5,157 |
| Equity capital to assets | 9.7918% | 4,197 |
| Core capital (leverage) ratio | 9.7540% | 4,024 |
| Tier 1 risk-based capital ratio | 11.5540% | 6,031 |
| Total risk-based capital ratio | 12.8060% | 6,001 |
| Memoranda: | ||
| Average total assets | $243,226,500 | 2,607 |
| Average earning assets | $219,729,000 | 2,633 |
| Average equity | $23,995,500 | 2,757 |
| Average total loans | $196,179,500 | 2,040 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8144% | 1,295 |
| Cost of funding earning assets | 0.4560% | 4,361 |
| Net interest margin | 4.3584% | 925 |
| Noninterest income to average assets | 1.9823% | 448 |
| Noninterest expense to average assets | 4.2484% | 658 |
| Loan and lease loss provision to assets | 0.0496% | 3,990 |
| Net operating income to assets | 1.6224% | 718 |
| Return on assets (ROA) | 1.6224% | 787 |
| Pretax return on assets | 1.6224% | 1,301 |
| Return on Equity (ROE) | 16.4034% | 619 |
| Retained earnings to average equity (ytd only) | 6.4074% | 2,196 |
| Net charge-offs to loans | 0.0042% | 4,830 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 505.2500% | 87 |
| Efficiency ratio | 71.7580% | 3,512 |
| Assets per employee ($millions) | 2.7337% | 6,248 |
| Cash dividends to net income (ytd only)* | 60.9383% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4623% | 3,755 |
| Loan loss allowance to noncurrent loans | 1,666.6667% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 6,184 |
| Noncurrent loans to loans | 0.0877% | 6,134 |
| Net loans and leases to total assets | 80.3191% | 508 |
| Net loans and leases to deposits | 95.2732% | 720 |
| Net loans and leases to core deposits | 99.7672% | 1,094 |
| Total domestic deposits to total assets | 84.3040% | 4,200 |
| Equity capital to assets | 9.8694% | 4,097 |
| Core capital (leverage) ratio | 9.8138% | 3,776 |
| Tier 1 risk-based capital ratio | 11.5654% | 6,076 |
| Total risk-based capital ratio | 12.8173% | 6,034 |
| Memoranda: | ||
| Average total assets | $241,739,670 | 2,636 |
| Average earning assets | $218,429,670 | 2,658 |
| Average equity | $23,909,670 | 2,781 |
| Average total loans | $192,474,000 | 2,075 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 1,225 |
| Cost of funding earning assets | 0.4697% | 4,373 |
| Net interest margin | 4.3616% | 858 |
| Noninterest income to average assets | 1.9406% | 445 |
| Noninterest expense to average assets | 4.1600% | 749 |
| Loan and lease loss provision to assets | 0.0498% | 3,792 |
| Net operating income to assets | 1.6766% | 615 |
| Return on assets (ROA) | 1.6766% | 678 |
| Pretax return on assets | 1.6766% | 1,135 |
| Return on Equity (ROE) | 16.9332% | 514 |
| Retained earnings to average equity (ytd only) | 5.7003% | 2,842 |
| Net charge-offs to loans | -0.0021% | 5,162 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6712% | 3,854 |
| Assets per employee ($millions) | 2.9924% | 6,003 |
| Cash dividends to net income (ytd only)* | 66.3366% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 3,717 |
| Loan loss allowance to noncurrent loans | 1,349.7653% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 6,049 |
| Noncurrent loans to loans | 0.1130% | 6,137 |
| Net loans and leases to total assets | 75.6576% | 884 |
| Net loans and leases to deposits | 85.3367% | 1,441 |
| Net loans and leases to core deposits | 89.0020% | 1,806 |
| Total domestic deposits to total assets | 88.6577% | 1,896 |
| Equity capital to assets | 9.7814% | 4,452 |
| Core capital (leverage) ratio | 9.5211% | 4,044 |
| Tier 1 risk-based capital ratio | 11.9159% | 5,966 |
| Total risk-based capital ratio | 13.1688% | 5,934 |
| Memoranda: | ||
| Average total assets | $240,961,000 | 2,664 |
| Average earning assets | $217,993,000 | 2,692 |
| Average equity | $23,858,500 | 2,817 |
| Average total loans | $189,554,000 | 2,118 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 794 |
| Cost of funding earning assets | 0.5566% | 4,752 |
| Net interest margin | 4.8210% | 525 |
| Noninterest income to average assets | 1.9564% | 450 |
| Noninterest expense to average assets | 4.3781% | 636 |
| Loan and lease loss provision to assets | 0.1260% | 4,040 |
| Net operating income to assets | 1.7809% | 531 |
| Return on assets (ROA) | 1.8863% | 491 |
| Pretax return on assets | 1.8863% | 773 |
| Return on Equity (ROE) | 19.0362% | 356 |
| Retained earnings to average equity (ytd only) | 5.1150% | 2,629 |
| Net charge-offs to loans | 0.1708% | 4,011 |
| Credit loss provision to net charge-offs | 94.0439% | 3,311 |
| Earnings coverage of net charge-offs (x) | 14.2351% | 1,747 |
| Efficiency ratio | 69.6599% | 3,875 |
| Assets per employee ($millions) | 2.8160% | 6,293 |
| Cash dividends to net income (ytd only)* | 73.1300% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,780 |
| Loan loss allowance to noncurrent loans | 781.3187% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 6,171 |
| Noncurrent loans to loans | 0.1910% | 5,989 |
| Net loans and leases to total assets | 79.3687% | 528 |
| Net loans and leases to deposits | 89.6294% | 1,110 |
| Net loans and leases to core deposits | 93.6071% | 1,502 |
| Total domestic deposits to total assets | 88.5520% | 1,871 |
| Equity capital to assets | 10.0259% | 4,132 |
| Core capital (leverage) ratio | 9.5689% | 4,012 |
| Tier 1 risk-based capital ratio | 11.6490% | 5,999 |
| Total risk-based capital ratio | 12.9014% | 5,959 |
| Memoranda: | ||
| Average total assets | $238,139,200 | 2,653 |
| Average earning assets | $213,813,600 | 2,689 |
| Average equity | $23,597,200 | 2,789 |
| Average total loans | $186,730,600 | 2,122 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4062% | 827 |
| Cost of funding earning assets | 0.5668% | 4,945 |
| Net interest margin | 4.8393% | 533 |
| Noninterest income to average assets | 1.9457% | 436 |
| Noninterest expense to average assets | 4.2676% | 673 |
| Loan and lease loss provision to assets | 0.1258% | 3,979 |
| Net operating income to assets | 1.8904% | 463 |
| Return on assets (ROA) | 1.8909% | 541 |
| Pretax return on assets | 1.8909% | 888 |
| Return on Equity (ROE) | 19.1389% | 386 |
| Retained earnings to average equity (ytd only) | 4.9389% | 3,407 |
| Net charge-offs to loans | 0.2139% | 3,449 |
| Credit loss provision to net charge-offs | 75.5034% | 3,753 |
| Earnings coverage of net charge-offs (x) | 12.1041% | 2,029 |
| Efficiency ratio | 67.9150% | 4,083 |
| Assets per employee ($millions) | 2.7686% | 6,396 |
| Cash dividends to net income (ytd only)* | 74.1945% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 4,023 |
| Loan loss allowance to noncurrent loans | 1,077.2201% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 6,443 |
| Noncurrent loans to loans | 0.1377% | 6,254 |
| Net loans and leases to total assets | 78.7473% | 643 |
| Net loans and leases to deposits | 90.1202% | 1,136 |
| Net loans and leases to core deposits | 94.0638% | 1,583 |
| Total domestic deposits to total assets | 87.3803% | 2,442 |
| Equity capital to assets | 10.2210% | 4,175 |
| Core capital (leverage) ratio | 9.6820% | 3,992 |
| Tier 1 risk-based capital ratio | 11.4471% | 6,254 |
| Total risk-based capital ratio | 12.6991% | 6,225 |
| Memoranda: | ||
| Average total assets | $238,537,000 | 2,669 |
| Average earning assets | $213,825,000 | 2,711 |
| Average equity | $23,567,500 | 2,817 |
| Average total loans | $185,766,000 | 2,155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3711% | 923 |
| Cost of funding earning assets | 0.5778% | 5,088 |
| Net interest margin | 4.7933% | 569 |
| Noninterest income to average assets | 1.9891% | 412 |
| Noninterest expense to average assets | 4.2712% | 672 |
| Loan and lease loss provision to assets | 0.1252% | 3,957 |
| Net operating income to assets | 1.8789% | 482 |
| Return on assets (ROA) | 1.8798% | 550 |
| Pretax return on assets | 1.8798% | 884 |
| Return on Equity (ROE) | 19.2432% | 400 |
| Retained earnings to average equity (ytd only) | 4.4177% | 3,663 |
| Net charge-offs to loans | 0.1341% | 3,855 |
| Credit loss provision to net charge-offs | 120.9677% | 2,268 |
| Earnings coverage of net charge-offs (x) | 19.3629% | 1,441 |
| Efficiency ratio | 68.0633% | 4,112 |
| Assets per employee ($millions) | 2.7104% | 6,517 |
| Cash dividends to net income (ytd only)* | 77.0426% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 3,665 |
| Loan loss allowance to noncurrent loans | 370.8601% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 5,918 |
| Noncurrent loans to loans | 0.4267% | 5,681 |
| Net loans and leases to total assets | 77.9812% | 725 |
| Net loans and leases to deposits | 90.6082% | 1,085 |
| Net loans and leases to core deposits | 94.9541% | 1,510 |
| Total domestic deposits to total assets | 86.0642% | 3,324 |
| Equity capital to assets | 10.2498% | 3,992 |
| Core capital (leverage) ratio | 9.2796% | 4,482 |
| Tier 1 risk-based capital ratio | 11.6517% | 6,139 |
| Total risk-based capital ratio | 12.9052% | 6,121 |
| Memoranda: | ||
| Average total assets | $239,606,000 | 2,661 |
| Average earning assets | $214,257,330 | 2,712 |
| Average equity | $23,405,670 | 2,818 |
| Average total loans | $184,986,000 | 2,160 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 955 |
| Cost of funding earning assets | 0.5735% | 5,330 |
| Net interest margin | 4.7996% | 560 |
| Noninterest income to average assets | 2.0719% | 385 |
| Noninterest expense to average assets | 4.3486% | 628 |
| Loan and lease loss provision to assets | 0.1228% | 3,805 |
| Net operating income to assets | 1.9049% | 492 |
| Return on assets (ROA) | 1.9065% | 563 |
| Pretax return on assets | 1.9065% | 867 |
| Return on Equity (ROE) | 19.9815% | 390 |
| Retained earnings to average equity (ytd only) | 8.2226% | 1,895 |
| Net charge-offs to loans | 0.1031% | 3,515 |
| Credit loss provision to net charge-offs | 156.2500% | 1,621 |
| Earnings coverage of net charge-offs (x) | 25.7917% | 1,017 |
| Efficiency ratio | 68.1993% | 4,131 |
| Assets per employee ($millions) | 2.9278% | 6,296 |
| Cash dividends to net income (ytd only)* | 58.8488% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,879 |
| Loan loss allowance to noncurrent loans | 417.0274% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 6,186 |
| Noncurrent loans to loans | 0.3747% | 5,923 |
| Net loans and leases to total assets | 74.0195% | 1,061 |
| Net loans and leases to deposits | 90.5644% | 914 |
| Net loans and leases to core deposits | 94.8312% | 1,387 |
| Total domestic deposits to total assets | 81.7313% | 5,384 |
| Equity capital to assets | 9.5542% | 4,721 |
| Core capital (leverage) ratio | 9.1174% | 4,658 |
| Tier 1 risk-based capital ratio | 11.5297% | 6,264 |
| Total risk-based capital ratio | 12.7827% | 6,242 |
| Memoranda: | ||
| Average total assets | $244,216,500 | 2,620 |
| Average earning assets | $219,017,000 | 2,663 |
| Average equity | $23,301,500 | 2,822 |
| Average total loans | $186,206,000 | 2,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3708% | 1,496 |
| Cost of funding earning assets | 0.7992% | 4,883 |
| Net interest margin | 4.5716% | 978 |
| Noninterest income to average assets | 1.7149% | 483 |
| Noninterest expense to average assets | 3.8551% | 1,249 |
| Loan and lease loss provision to assets | 0.2481% | 3,728 |
| Net operating income to assets | 1.7335% | 521 |
| Return on assets (ROA) | 1.7500% | 542 |
| Pretax return on assets | 1.7500% | 896 |
| Return on Equity (ROE) | 18.5746% | 344 |
| Retained earnings to average equity (ytd only) | 5.1472% | 2,535 |
| Net charge-offs to loans | 0.0241% | 6,102 |
| Credit loss provision to net charge-offs | 1,395.3488% | 158 |
| Earnings coverage of net charge-offs (x) | 111.4651% | 289 |
| Efficiency ratio | 66.0504% | 4,760 |
| Assets per employee ($millions) | 2.9217% | 6,244 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,901 |
| Loan loss allowance to noncurrent loans | 344.5247% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,119 |
| Noncurrent loans to loans | 0.4432% | 5,824 |
| Net loans and leases to total assets | 76.1323% | 934 |
| Net loans and leases to deposits | 96.8935% | 632 |
| Net loans and leases to core deposits | 101.8335% | 1,038 |
| Total domestic deposits to total assets | 78.5731% | 6,079 |
| Equity capital to assets | 9.5283% | 4,838 |
| Core capital (leverage) ratio | 8.9430% | 4,877 |
| Tier 1 risk-based capital ratio | 11.2206% | 6,335 |
| Total risk-based capital ratio | 12.4733% | 6,310 |
| Memoranda: | ||
| Average total assets | $241,884,400 | 2,614 |
| Average earning assets | $218,087,200 | 2,633 |
| Average equity | $22,789,200 | 2,806 |
| Average total loans | $178,179,800 | 2,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3636% | 1,636 |
| Cost of funding earning assets | 0.8527% | 4,751 |
| Net interest margin | 4.5108% | 1,123 |
| Noninterest income to average assets | 1.7027% | 478 |
| Noninterest expense to average assets | 3.7975% | 1,310 |
| Loan and lease loss provision to assets | 0.2482% | 3,521 |
| Net operating income to assets | 1.7330% | 586 |
| Return on assets (ROA) | 1.7551% | 614 |
| Pretax return on assets | 1.7551% | 1,030 |
| Return on Equity (ROE) | 18.6815% | 404 |
| Retained earnings to average equity (ytd only) | 10.9905% | 635 |
| Net charge-offs to loans | 0.0432% | 5,554 |
| Credit loss provision to net charge-offs | 789.4737% | 338 |
| Earnings coverage of net charge-offs (x) | 63.0159% | 523 |
| Efficiency ratio | 65.7154% | 4,765 |
| Assets per employee ($millions) | 2.8734% | 6,364 |
| Cash dividends to net income (ytd only)* | 41.1690% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 4,075 |
| Loan loss allowance to noncurrent loans | 306.0091% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 6,118 |
| Noncurrent loans to loans | 0.4909% | 5,867 |
| Net loans and leases to total assets | 75.1029% | 1,126 |
| Net loans and leases to deposits | 95.5621% | 723 |
| Net loans and leases to core deposits | 100.6198% | 1,192 |
| Total domestic deposits to total assets | 78.5907% | 6,076 |
| Equity capital to assets | 10.1760% | 4,124 |
| Core capital (leverage) ratio | 9.1288% | 4,748 |
| Tier 1 risk-based capital ratio | 12.0753% | 5,845 |
| Total risk-based capital ratio | 13.3276% | 5,831 |
| Memoranda: | ||
| Average total assets | $241,730,750 | 2,626 |
| Average earning assets | $218,431,250 | 2,647 |
| Average equity | $22,710,000 | 2,812 |
| Average total loans | $175,854,000 | 2,316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 1,990 |
| Cost of funding earning assets | 0.9198% | 4,523 |
| Net interest margin | 4.3518% | 1,507 |
| Noninterest income to average assets | 1.6491% | 485 |
| Noninterest expense to average assets | 3.7446% | 1,457 |
| Loan and lease loss provision to assets | 0.2461% | 3,442 |
| Net operating income to assets | 1.5982% | 738 |
| Return on assets (ROA) | 1.5982% | 781 |
| Pretax return on assets | 1.5982% | 1,262 |
| Return on Equity (ROE) | 17.4805% | 511 |
| Retained earnings to average equity (ytd only) | 10.2119% | 801 |
| Net charge-offs to loans | 0.0389% | 5,307 |
| Credit loss provision to net charge-offs | 882.3529% | 364 |
| Earnings coverage of net charge-offs (x) | 66.1176% | 499 |
| Efficiency ratio | 66.9994% | 4,699 |
| Assets per employee ($millions) | 2.8734% | 6,344 |
| Cash dividends to net income (ytd only)* | 41.5811% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4369% | 4,410 |
| Loan loss allowance to noncurrent loans | 373.8372% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 6,346 |
| Noncurrent loans to loans | 0.3844% | 6,137 |
| Net loans and leases to total assets | 74.8747% | 1,255 |
| Net loans and leases to deposits | 91.5825% | 1,103 |
| Net loans and leases to core deposits | 96.2020% | 1,664 |
| Total domestic deposits to total assets | 81.7566% | 5,250 |
| Equity capital to assets | 9.8434% | 4,340 |
| Core capital (leverage) ratio | 9.1648% | 4,469 |
| Tier 1 risk-based capital ratio | 11.5069% | 6,165 |
| Total risk-based capital ratio | 12.7585% | 6,146 |
| Memoranda: | ||
| Average total assets | $243,767,000 | 2,614 |
| Average earning assets | $220,691,670 | 2,639 |
| Average equity | $22,287,670 | 2,844 |
| Average total loans | $174,586,000 | 2,357 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1709% | 2,348 |
| Cost of funding earning assets | 0.9204% | 4,773 |
| Net interest margin | 4.2505% | 1,741 |
| Noninterest income to average assets | 1.5639% | 533 |
| Noninterest expense to average assets | 3.6039% | 1,760 |
| Loan and lease loss provision to assets | 0.2421% | 3,252 |
| Net operating income to assets | 1.5639% | 753 |
| Return on assets (ROA) | 1.5639% | 791 |
| Pretax return on assets | 1.5639% | 1,269 |
| Return on Equity (ROE) | 17.7513% | 502 |
| Retained earnings to average equity (ytd only) | 8.5917% | 1,521 |
| Net charge-offs to loans | -0.0371% | 6,787 |
| Credit loss provision to net charge-offs | -937.5000% | 6,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6169% | 4,923 |
| Assets per employee ($millions) | 3.0608% | 6,029 |
| Cash dividends to net income (ytd only)* | 51.5996% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 4,426 |
| Loan loss allowance to noncurrent loans | 323.9843% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 6,427 |
| Noncurrent loans to loans | 0.4483% | 6,115 |
| Net loans and leases to total assets | 67.6519% | 2,628 |
| Net loans and leases to deposits | 75.3163% | 3,539 |
| Net loans and leases to core deposits | 78.3688% | 3,972 |
| Total domestic deposits to total assets | 89.8237% | 1,261 |
| Equity capital to assets | 8.8933% | 5,359 |
| Core capital (leverage) ratio | 8.4427% | 5,558 |
| Tier 1 risk-based capital ratio | 11.6416% | 5,990 |
| Total risk-based capital ratio | 12.8933% | 5,977 |
| Memoranda: | ||
| Average total assets | $247,841,000 | 2,586 |
| Average earning assets | $224,256,500 | 2,613 |
| Average equity | $21,835,000 | 2,894 |
| Average total loans | $172,383,500 | 2,401 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 1,621 |
| Cost of funding earning assets | 1.2401% | 4,284 |
| Net interest margin | 4.4464% | 1,364 |
| Noninterest income to average assets | 1.8222% | 464 |
| Noninterest expense to average assets | 3.9487% | 1,238 |
| Loan and lease loss provision to assets | 0.3233% | 4,226 |
| Net operating income to assets | 1.5566% | 677 |
| Return on assets (ROA) | 1.5566% | 737 |
| Pretax return on assets | 1.5566% | 1,221 |
| Return on Equity (ROE) | 17.0383% | 475 |
| Retained earnings to average equity (ytd only) | 6.6577% | 1,476 |
| Net charge-offs to loans | 0.2553% | 4,756 |
| Credit loss provision to net charge-offs | 174.4186% | 1,926 |
| Earnings coverage of net charge-offs (x) | 10.1419% | 1,750 |
| Efficiency ratio | 67.7465% | 4,611 |
| Assets per employee ($millions) | 3.0969% | 5,887 |
| Cash dividends to net income (ytd only)* | 60.9250% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,896 |
| Loan loss allowance to noncurrent loans | 338.1232% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 6,565 |
| Noncurrent loans to loans | 0.3907% | 6,268 |
| Net loans and leases to total assets | 69.5290% | 2,651 |
| Net loans and leases to deposits | 76.9648% | 3,686 |
| Net loans and leases to core deposits | 80.0652% | 4,207 |
| Total domestic deposits to total assets | 90.3388% | 915 |
| Equity capital to assets | 8.7268% | 5,545 |
| Core capital (leverage) ratio | 8.5752% | 5,232 |
| Tier 1 risk-based capital ratio | 11.3680% | 6,022 |
| Total risk-based capital ratio | 12.6182% | 6,016 |
| Memoranda: | ||
| Average total assets | $231,978,000 | 2,724 |
| Average earning assets | $209,022,800 | 2,767 |
| Average equity | $21,193,400 | 2,983 |
| Average total loans | $168,450,400 | 2,490 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7606% | 1,510 |
| Cost of funding earning assets | 1.3323% | 4,026 |
| Net interest margin | 4.4283% | 1,433 |
| Noninterest income to average assets | 1.8231% | 440 |
| Noninterest expense to average assets | 3.9636% | 1,095 |
| Loan and lease loss provision to assets | 0.3070% | 4,122 |
| Net operating income to assets | 1.5424% | 844 |
| Return on assets (ROA) | 1.5424% | 924 |
| Pretax return on assets | 1.5424% | 1,500 |
| Return on Equity (ROE) | 16.6801% | 625 |
| Retained earnings to average equity (ytd only) | 8.1440% | 1,374 |
| Net charge-offs to loans | 0.1677% | 4,971 |
| Credit loss provision to net charge-offs | 250.0000% | 1,328 |
| Earnings coverage of net charge-offs (x) | 15.0621% | 1,468 |
| Efficiency ratio | 68.1855% | 4,432 |
| Assets per employee ($millions) | 2.9100% | 6,346 |
| Cash dividends to net income (ytd only)* | 51.1752% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 4,741 |
| Loan loss allowance to noncurrent loans | 185.7143% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 6,093 |
| Noncurrent loans to loans | 0.7231% | 5,764 |
| Net loans and leases to total assets | 72.6151% | 2,097 |
| Net loans and leases to deposits | 80.9936% | 3,266 |
| Net loans and leases to core deposits | 84.3791% | 3,888 |
| Total domestic deposits to total assets | 89.6553% | 1,047 |
| Equity capital to assets | 9.4143% | 4,966 |
| Core capital (leverage) ratio | 8.8104% | 4,989 |
| Tier 1 risk-based capital ratio | 11.4459% | 5,978 |
| Total risk-based capital ratio | 12.6966% | 5,962 |
| Memoranda: | ||
| Average total assets | $228,034,000 | 2,816 |
| Average earning assets | $205,460,250 | 2,844 |
| Average equity | $21,086,500 | 3,038 |
| Average total loans | $166,921,250 | 2,560 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7773% | 1,490 |
| Cost of funding earning assets | 1.4634% | 3,471 |
| Net interest margin | 4.3138% | 1,724 |
| Noninterest income to average assets | 1.8000% | 414 |
| Noninterest expense to average assets | 4.0045% | 1,047 |
| Loan and lease loss provision to assets | 0.2650% | 4,277 |
| Net operating income to assets | 1.4149% | 1,070 |
| Return on assets (ROA) | 1.4149% | 1,134 |
| Pretax return on assets | 1.4149% | 1,799 |
| Return on Equity (ROE) | 15.3964% | 786 |
| Retained earnings to average equity (ytd only) | 8.6689% | 1,208 |
| Net charge-offs to loans | 0.0471% | 5,723 |
| Credit loss provision to net charge-offs | 769.2308% | 479 |
| Earnings coverage of net charge-offs (x) | 48.7692% | 606 |
| Efficiency ratio | 70.4475% | 4,099 |
| Assets per employee ($millions) | 2.8437% | 6,470 |
| Cash dividends to net income (ytd only)* | 43.6954% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 4,782 |
| Loan loss allowance to noncurrent loans | 187.4062% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 6,048 |
| Noncurrent loans to loans | 0.7077% | 5,834 |
| Net loans and leases to total assets | 73.4870% | 2,034 |
| Net loans and leases to deposits | 82.0171% | 3,272 |
| Net loans and leases to core deposits | 85.5090% | 3,907 |
| Total domestic deposits to total assets | 89.5996% | 1,127 |
| Equity capital to assets | 9.4913% | 4,712 |
| Core capital (leverage) ratio | 8.5041% | 5,398 |
| Tier 1 risk-based capital ratio | 11.2174% | 6,021 |
| Total risk-based capital ratio | 12.4388% | 6,043 |
| Memoranda: | ||
| Average total assets | $226,446,670 | 2,856 |
| Average earning assets | $203,902,000 | 2,889 |
| Average equity | $20,810,000 | 3,062 |
| Average total loans | $165,446,330 | 2,618 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 1,496 |
| Cost of funding earning assets | 1.4814% | 3,685 |
| Net interest margin | 4.3083% | 1,665 |
| Noninterest income to average assets | 1.7740% | 410 |
| Noninterest expense to average assets | 4.0934% | 910 |
| Loan and lease loss provision to assets | 0.2656% | 3,902 |
| Net operating income to assets | 1.2872% | 1,327 |
| Return on assets (ROA) | 1.2872% | 1,398 |
| Pretax return on assets | 1.2872% | 2,085 |
| Return on Equity (ROE) | 14.2416% | 1,006 |
| Retained earnings to average equity (ytd only) | 0.5289% | 5,614 |
| Net charge-offs to loans | 0.0759% | 4,656 |
| Credit loss provision to net charge-offs | 483.8710% | 874 |
| Earnings coverage of net charge-offs (x) | 28.2903% | 911 |
| Efficiency ratio | 72.4992% | 3,841 |
| Assets per employee ($millions) | 2.8184% | 6,600 |
| Cash dividends to net income (ytd only)* | 96.2861% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 5,049 |
| Loan loss allowance to noncurrent loans | 184.8112% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 6,230 |
| Noncurrent loans to loans | 0.6920% | 5,947 |
| Net loans and leases to total assets | 72.0617% | 2,432 |
| Net loans and leases to deposits | 80.0642% | 3,648 |
| Net loans and leases to core deposits | 83.1575% | 4,318 |
| Total domestic deposits to total assets | 90.0050% | 983 |
| Equity capital to assets | 9.0756% | 5,164 |
| Core capital (leverage) ratio | 8.1195% | 6,037 |
| Tier 1 risk-based capital ratio | 10.6359% | 6,508 |
| Total risk-based capital ratio | 11.8244% | 6,559 |
| Memoranda: | ||
| Average total assets | $225,924,000 | 2,921 |
| Average earning assets | $203,048,500 | 2,953 |
| Average equity | $20,419,000 | 3,145 |
| Average total loans | $163,457,500 | 2,712 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8967% | 2,248 |
| Cost of funding earning assets | 1.6923% | 4,557 |
| Net interest margin | 4.2045% | 2,046 |
| Noninterest income to average assets | 1.9333% | 391 |
| Noninterest expense to average assets | 4.1349% | 1,176 |
| Loan and lease loss provision to assets | 0.2688% | 5,261 |
| Net operating income to assets | 1.3185% | 1,002 |
| Return on assets (ROA) | 1.3586% | 973 |
| Pretax return on assets | 1.3586% | 1,534 |
| Return on Equity (ROE) | 15.5620% | 599 |
| Retained earnings to average equity (ytd only) | 10.3954% | 335 |
| Net charge-offs to loans | 0.3354% | 4,561 |
| Credit loss provision to net charge-offs | 111.8199% | 4,908 |
| Earnings coverage of net charge-offs (x) | 6.6023% | 2,328 |
| Efficiency ratio | 72.2608% | 4,225 |
| Assets per employee ($millions) | 2.6632% | 6,924 |
| Cash dividends to net income (ytd only)* | 33.2005% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 5,222 |
| Loan loss allowance to noncurrent loans | 207.0907% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 6,289 |
| Noncurrent loans to loans | 0.5908% | 6,059 |
| Net loans and leases to total assets | 70.8313% | 3,044 |
| Net loans and leases to deposits | 80.7564% | 3,848 |
| Net loans and leases to core deposits | 92.9574% | 4,786 |
| Total domestic deposits to total assets | 87.7098% | 2,118 |
| Equity capital to assets | 9.0005% | 5,148 |
| Core capital (leverage) ratio | 8.5143% | 5,259 |
| Tier 1 risk-based capital ratio | 10.7200% | 6,187 |
| Total risk-based capital ratio | 11.8537% | 6,274 |
| Memoranda: | ||
| Average total assets | $221,699,000 | 2,918 |
| Average earning assets | $199,788,200 | 2,972 |
| Average equity | $19,354,800 | 3,299 |
| Average total loans | $158,937,400 | 2,778 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9397% | 2,274 |
| Cost of funding earning assets | 1.7642% | 4,564 |
| Net interest margin | 4.1756% | 2,133 |
| Noninterest income to average assets | 1.9722% | 382 |
| Noninterest expense to average assets | 4.0653% | 1,191 |
| Loan and lease loss provision to assets | 0.2177% | 5,237 |
| Net operating income to assets | 1.4571% | 903 |
| Return on assets (ROA) | 1.5109% | 850 |
| Pretax return on assets | 1.5109% | 1,384 |
| Return on Equity (ROE) | 17.4448% | 503 |
| Retained earnings to average equity (ytd only) | 13.2564% | 242 |
| Net charge-offs to loans | 0.1231% | 5,463 |
| Credit loss provision to net charge-offs | 246.5753% | 1,757 |
| Earnings coverage of net charge-offs (x) | 18.9728% | 1,321 |
| Efficiency ratio | 70.8237% | 4,453 |
| Assets per employee ($millions) | 2.6076% | 7,033 |
| Cash dividends to net income (ytd only)* | 24.0096% | 3,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,325 |
| Loan loss allowance to noncurrent loans | 220.0824% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 6,357 |
| Noncurrent loans to loans | 0.6038% | 6,098 |
| Net loans and leases to total assets | 71.5854% | 3,132 |
| Net loans and leases to deposits | 79.6805% | 4,444 |
| Net loans and leases to core deposits | 93.0489% | 5,130 |
| Total domestic deposits to total assets | 89.8406% | 830 |
| Equity capital to assets | 9.0879% | 5,361 |
| Core capital (leverage) ratio | 8.1817% | 6,051 |
| Tier 1 risk-based capital ratio | 11.0351% | 5,916 |
| Total risk-based capital ratio | 12.2857% | 5,875 |
| Memoranda: | ||
| Average total assets | $220,529,750 | 2,947 |
| Average earning assets | $198,994,250 | 2,999 |
| Average equity | $19,099,750 | 3,360 |
| Average total loans | $158,089,000 | 2,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0140% | 2,131 |
| Cost of funding earning assets | 1.8068% | 4,722 |
| Net interest margin | 4.2072% | 1,972 |
| Noninterest income to average assets | 1.7869% | 461 |
| Noninterest expense to average assets | 4.0308% | 1,273 |
| Loan and lease loss provision to assets | 0.2180% | 4,862 |
| Net operating income to assets | 1.3309% | 1,160 |
| Return on assets (ROA) | 1.3363% | 1,218 |
| Pretax return on assets | 1.3363% | 1,913 |
| Return on Equity (ROE) | 15.6890% | 738 |
| Retained earnings to average equity (ytd only) | 13.5559% | 278 |
| Net charge-offs to loans | 0.1400% | 4,768 |
| Credit loss provision to net charge-offs | 218.1818% | 2,107 |
| Earnings coverage of net charge-offs (x) | 15.5000% | 1,592 |
| Efficiency ratio | 72.2403% | 4,361 |
| Assets per employee ($millions) | 2.5244% | 7,206 |
| Cash dividends to net income (ytd only)* | 13.5962% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 4,351 |
| Loan loss allowance to noncurrent loans | 225.1096% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 6,416 |
| Noncurrent loans to loans | 0.5715% | 6,120 |
| Net loans and leases to total assets | 72.5646% | 3,072 |
| Net loans and leases to deposits | 83.7344% | 3,934 |
| Net loans and leases to core deposits | 97.3412% | 4,751 |
| Total domestic deposits to total assets | 86.6605% | 2,424 |
| Equity capital to assets | 8.8651% | 5,503 |
| Core capital (leverage) ratio | 8.0842% | 6,189 |
| Tier 1 risk-based capital ratio | 10.5996% | 6,294 |
| Total risk-based capital ratio | 11.8063% | 6,274 |
| Memoranda: | ||
| Average total assets | $220,157,330 | 2,974 |
| Average earning assets | $198,469,000 | 3,024 |
| Average equity | $18,752,000 | 3,432 |
| Average total loans | $157,184,000 | 2,875 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0539% | 2,134 |
| Cost of funding earning assets | 1.8666% | 4,802 |
| Net interest margin | 4.1873% | 1,945 |
| Noninterest income to average assets | 1.7105% | 463 |
| Noninterest expense to average assets | 3.8902% | 1,320 |
| Loan and lease loss provision to assets | 0.2165% | 4,283 |
| Net operating income to assets | 1.3803% | 1,183 |
| Return on assets (ROA) | 1.3912% | 1,247 |
| Pretax return on assets | 1.3912% | 1,993 |
| Return on Equity (ROE) | 16.6658% | 729 |
| Retained earnings to average equity (ytd only) | 12.3426% | 735 |
| Net charge-offs to loans | 0.0615% | 4,595 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 36.8750% | 906 |
| Efficiency ratio | 70.8977% | 4,393 |
| Assets per employee ($millions) | 2.6048% | 7,085 |
| Cash dividends to net income (ytd only)* | 25.9403% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2871% | 4,150 |
| Loan loss allowance to noncurrent loans | 226.5993% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4024% | 6,286 |
| Noncurrent loans to loans | 0.5680% | 5,997 |
| Net loans and leases to total assets | 69.9396% | 3,684 |
| Net loans and leases to deposits | 77.2461% | 5,050 |
| Net loans and leases to core deposits | 88.0790% | 5,730 |
| Total domestic deposits to total assets | 90.5413% | 573 |
| Equity capital to assets | 8.5233% | 6,038 |
| Core capital (leverage) ratio | 7.6964% | 6,893 |
| Tier 1 risk-based capital ratio | 10.3107% | 6,585 |
| Total risk-based capital ratio | 11.5139% | 6,550 |
| Memoranda: | ||
| Average total assets | $221,686,500 | 2,967 |
| Average earning assets | $199,938,500 | 3,016 |
| Average equity | $18,505,000 | 3,484 |
| Average total loans | $155,981,000 | 2,916 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1775% | 4,628 |
| Cost of funding earning assets | 2.3788% | 4,821 |
| Net interest margin | 3.7987% | 4,024 |
| Noninterest income to average assets | 2.1674% | 302 |
| Noninterest expense to average assets | 4.5284% | 868 |
| Loan and lease loss provision to assets | 0.4041% | 3,261 |
| Net operating income to assets | 0.6046% | 4,282 |
| Return on assets (ROA) | 0.4051% | 4,947 |
| Pretax return on assets | 0.4051% | 5,250 |
| Return on Equity (ROE) | 4.5409% | 4,582 |
| Retained earnings to average equity (ytd only) | -0.2125% | 5,349 |
| Net charge-offs to loans | 0.0945% | 5,384 |
| Credit loss provision to net charge-offs | 642.8571% | 661 |
| Earnings coverage of net charge-offs (x) | 16.0476% | 1,877 |
| Efficiency ratio | 81.7838% | 2,332 |
| Assets per employee ($millions) | 2.5514% | 7,108 |
| Cash dividends to net income (ytd only)* | 104.6798% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 4,235 |
| Loan loss allowance to noncurrent loans | 178.5515% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4852% | 5,755 |
| Noncurrent loans to loans | 0.6944% | 5,301 |
| Net loans and leases to total assets | 69.0056% | 4,255 |
| Net loans and leases to deposits | 82.7889% | 4,609 |
| Net loans and leases to core deposits | 95.2349% | 5,323 |
| Total domestic deposits to total assets | 83.3513% | 3,635 |
| Equity capital to assets | 8.1719% | 6,591 |
| Core capital (leverage) ratio | 7.9205% | 6,619 |
| Tier 1 risk-based capital ratio | 10.2325% | 6,484 |
| Total risk-based capital ratio | 11.4101% | 6,424 |
| Memoranda: | ||
| Average total assets | $200,468,400 | 3,134 |
| Average earning assets | $177,821,800 | 3,210 |
| Average equity | $17,881,800 | 3,570 |
| Average total loans | $133,347,600 | 3,211 |