Home > First Bank Blue Earth > Performance and Condition Ratios
First Bank Blue Earth, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 3,417 |
| Cost of funding earning assets | 2.5694% | 756 |
| Net interest margin | 2.2521% | 4,185 |
| Noninterest income to average assets | 0.3000% | 2,864 |
| Noninterest expense to average assets | 1.8569% | 3,826 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.5389% | 3,493 |
| Return on assets (ROA) | 0.5105% | 3,566 |
| Pretax return on assets | 0.5586% | 3,633 |
| Return on Equity (ROE) | 8.0600% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.8032% | 2,901 |
| Net charge-offs to loans | -0.0039% | 3,677 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 75.8914% | 1,260 |
| Assets per employee ($millions) | 9.4806% | 940 |
| Cash dividends to net income (ytd only)* | 52.8061% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 2,632 |
| Loan loss allowance to noncurrent loans | 376.1047% | 1,407 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,497 |
| Noncurrent loans to loans | 0.2968% | 2,429 |
| Net loans and leases to total assets | 67.1000% | 2,181 |
| Net loans and leases to deposits | 77.4837% | 2,275 |
| Net loans and leases to core deposits | 83.9532% | 2,462 |
| Total domestic deposits to total assets | 86.6000% | 2,089 |
| Equity capital to assets | 6.5760% | 4,136 |
| Core capital (leverage) ratio | 9.6923% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $307,177,500 | 2,448 |
| Average earning assets | $292,523,500 | 2,406 |
| Average equity | $19,457,500 | 3,042 |
| Average total loans | $204,581,000 | 2,387 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 3,407 |
| Cost of funding earning assets | 2.5433% | 1,067 |
| Net interest margin | 2.2713% | 4,107 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 1.8431% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6558% | 3,091 |
| Return on assets (ROA) | 0.5589% | 3,352 |
| Pretax return on assets | 0.5681% | 3,526 |
| Return on Equity (ROE) | 9.4900% | 2,302 |
| Retained earnings to average equity (ytd only) | 3.8372% | 2,691 |
| Net charge-offs to loans | 0.0086% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 119.1176% | 725 |
| Efficiency ratio | 73.4287% | 1,616 |
| Assets per employee ($millions) | 9.7180% | 846 |
| Cash dividends to net income (ytd only)* | 59.5757% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 2,548 |
| Loan loss allowance to noncurrent loans | 314.9520% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 2,332 |
| Noncurrent loans to loans | 0.3586% | 2,187 |
| Net loans and leases to total assets | 64.6300% | 2,507 |
| Net loans and leases to deposits | 74.1098% | 2,631 |
| Net loans and leases to core deposits | 80.1761% | 2,765 |
| Total domestic deposits to total assets | 87.2100% | 1,798 |
| Equity capital to assets | 6.0985% | 4,193 |
| Core capital (leverage) ratio | 9.5775% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $303,618,800 | 2,444 |
| Average earning assets | $289,706,000 | 2,398 |
| Average equity | $17,877,600 | 3,105 |
| Average total loans | $196,954,200 | 2,394 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 3,421 |
| Cost of funding earning assets | 2.5120% | 1,151 |
| Net interest margin | 2.2660% | 4,104 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 1.8322% | 3,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6249% | 3,150 |
| Return on assets (ROA) | 0.5987% | 3,256 |
| Pretax return on assets | 0.6044% | 3,460 |
| Return on Equity (ROE) | 10.2600% | 2,112 |
| Retained earnings to average equity (ytd only) | 4.8846% | 2,514 |
| Net charge-offs to loans | 0.0157% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 62.0870% | 1,074 |
| Efficiency ratio | 74.3857% | 1,541 |
| Assets per employee ($millions) | 9.5472% | 881 |
| Cash dividends to net income (ytd only)* | 52.3985% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 2,471 |
| Loan loss allowance to noncurrent loans | 330.9249% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 2,338 |
| Noncurrent loans to loans | 0.3485% | 2,234 |
| Net loans and leases to total assets | 64.2500% | 2,503 |
| Net loans and leases to deposits | 74.8410% | 2,622 |
| Net loans and leases to core deposits | 80.4329% | 2,783 |
| Total domestic deposits to total assets | 85.8500% | 1,988 |
| Equity capital to assets | 6.2803% | 4,288 |
| Core capital (leverage) ratio | 9.6414% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $301,779,250 | 2,451 |
| Average earning assets | $288,366,000 | 2,404 |
| Average equity | $17,605,750 | 3,128 |
| Average total loans | $195,369,000 | 2,397 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 3,507 |
| Cost of funding earning assets | 2.4122% | 1,235 |
| Net interest margin | 2.2682% | 4,102 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 1.8161% | 3,914 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6448% | 3,077 |
| Return on assets (ROA) | 0.6049% | 3,203 |
| Pretax return on assets | 0.5936% | 3,460 |
| Return on Equity (ROE) | 10.6400% | 1,996 |
| Retained earnings to average equity (ytd only) | 4.7779% | 2,424 |
| Net charge-offs to loans | -0.0010% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.1375% | 1,628 |
| Assets per employee ($millions) | 8.8607% | 1,057 |
| Cash dividends to net income (ytd only)* | 55.1155% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,409 |
| Loan loss allowance to noncurrent loans | 756.2092% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,959 |
| Noncurrent loans to loans | 0.1544% | 2,884 |
| Net loans and leases to total assets | 65.0300% | 2,447 |
| Net loans and leases to deposits | 77.5481% | 2,421 |
| Net loans and leases to core deposits | 80.7346% | 2,766 |
| Total domestic deposits to total assets | 83.8600% | 2,651 |
| Equity capital to assets | 5.8092% | 4,248 |
| Core capital (leverage) ratio | 9.7631% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $300,536,000 | 2,447 |
| Average earning assets | $287,368,000 | 2,399 |
| Average equity | $17,078,667 | 3,153 |
| Average total loans | $194,295,667 | 2,392 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5812% | 3,552 |
| Cost of funding earning assets | 2.2878% | 1,363 |
| Net interest margin | 2.2934% | 4,105 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 1.8323% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6716% | 2,927 |
| Return on assets (ROA) | 0.6716% | 2,950 |
| Pretax return on assets | 0.6356% | 3,316 |
| Return on Equity (ROE) | 11.9500% | 1,580 |
| Retained earnings to average equity (ytd only) | 5.9048% | 2,131 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 74.2441% | 1,720 |
| Assets per employee ($millions) | 8.9323% | 1,043 |
| Cash dividends to net income (ytd only)* | 50.5952% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,131 |
| Loan loss allowance to noncurrent loans | 288.4040% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2721% | 2,015 |
| Noncurrent loans to loans | 0.4255% | 1,860 |
| Net loans and leases to total assets | 63.1600% | 2,551 |
| Net loans and leases to deposits | 74.5914% | 2,547 |
| Net loans and leases to core deposits | 78.0353% | 2,851 |
| Total domestic deposits to total assets | 84.6800% | 2,514 |
| Equity capital to assets | 5.7836% | 4,249 |
| Core capital (leverage) ratio | 9.7766% | 2,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $300,172,000 | 2,456 |
| Average earning assets | $286,911,000 | 2,408 |
| Average equity | $16,867,500 | 3,179 |
| Average total loans | $192,323,500 | 2,405 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0339% | 3,909 |
| Cost of funding earning assets | 2.0094% | 905 |
| Net interest margin | 2.0245% | 4,405 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.6434% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7794% | 2,941 |
| Return on assets (ROA) | 0.4043% | 3,855 |
| Pretax return on assets | 0.4049% | 3,955 |
| Return on Equity (ROE) | 8.4600% | 2,901 |
| Retained earnings to average equity (ytd only) | 2.2292% | 3,522 |
| Net charge-offs to loans | 0.0054% | 2,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 237.9000% | 516 |
| Efficiency ratio | 67.8122% | 2,133 |
| Assets per employee ($millions) | 9.8573% | 740 |
| Cash dividends to net income (ytd only)* | 73.6415% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 2,411 |
| Loan loss allowance to noncurrent loans | 1,204.6875% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,150 |
| Noncurrent loans to loans | 0.0979% | 3,049 |
| Net loans and leases to total assets | 63.4300% | 2,515 |
| Net loans and leases to deposits | 72.5409% | 2,726 |
| Net loans and leases to core deposits | 75.2977% | 3,015 |
| Total domestic deposits to total assets | 87.4400% | 1,541 |
| Equity capital to assets | 5.4608% | 4,345 |
| Core capital (leverage) ratio | 9.6843% | 3,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $304,980,000 | 2,405 |
| Average earning assets | $291,973,400 | 2,348 |
| Average equity | $14,579,400 | 3,298 |
| Average total loans | $184,438,200 | 2,404 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,963 |
| Cost of funding earning assets | 1.9148% | 839 |
| Net interest margin | 2.0120% | 4,436 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.6678% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7479% | 3,180 |
| Return on assets (ROA) | 0.7156% | 3,262 |
| Pretax return on assets | 0.7164% | 3,519 |
| Return on Equity (ROE) | 15.5200% | 1,341 |
| Retained earnings to average equity (ytd only) | 6.9073% | 2,325 |
| Net charge-offs to loans | 0.0088% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 142.6667% | 755 |
| Efficiency ratio | 69.0136% | 1,900 |
| Assets per employee ($millions) | 9.7328% | 735 |
| Cash dividends to net income (ytd only)* | 55.5012% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 1,964 |
| Loan loss allowance to noncurrent loans | 1,050.4545% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 2,905 |
| Noncurrent loans to loans | 0.1218% | 2,950 |
| Net loans and leases to total assets | 59.1000% | 2,928 |
| Net loans and leases to deposits | 68.3575% | 2,954 |
| Net loans and leases to core deposits | 71.1584% | 3,158 |
| Total domestic deposits to total assets | 86.4600% | 2,055 |
| Equity capital to assets | 4.6746% | 4,308 |
| Core capital (leverage) ratio | 9.6317% | 3,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $304,830,750 | 2,412 |
| Average earning assets | $292,171,500 | 2,351 |
| Average equity | $14,052,500 | 3,331 |
| Average total loans | $181,510,750 | 2,430 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 3,992 |
| Cost of funding earning assets | 1.7466% | 820 |
| Net interest margin | 2.0758% | 4,467 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.7269% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8657% | 2,872 |
| Return on assets (ROA) | 0.8442% | 2,953 |
| Pretax return on assets | 0.8200% | 3,355 |
| Return on Equity (ROE) | 18.4000% | 906 |
| Retained earnings to average equity (ytd only) | 7.8374% | 2,021 |
| Net charge-offs to loans | 0.0187% | 1,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 75.7059% | 1,079 |
| Efficiency ratio | 67.2352% | 2,076 |
| Assets per employee ($millions) | 9.3570% | 815 |
| Cash dividends to net income (ytd only)* | 57.3974% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 1,932 |
| Loan loss allowance to noncurrent loans | 713.9319% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,599 |
| Noncurrent loans to loans | 0.1821% | 2,565 |
| Net loans and leases to total assets | 58.4600% | 2,922 |
| Net loans and leases to deposits | 64.4675% | 3,166 |
| Net loans and leases to core deposits | 66.8703% | 3,297 |
| Total domestic deposits to total assets | 90.6800% | 734 |
| Equity capital to assets | 4.8890% | 4,394 |
| Core capital (leverage) ratio | 9.6206% | 3,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $305,868,667 | 2,407 |
| Average earning assets | $293,484,000 | 2,349 |
| Average equity | $14,035,333 | 3,349 |
| Average total loans | $181,804,000 | 2,421 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 3,998 |
| Cost of funding earning assets | 1.6102% | 685 |
| Net interest margin | 2.1065% | 4,529 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 1.7704% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1945% | 1,947 |
| Return on assets (ROA) | 1.1945% | 1,905 |
| Pretax return on assets | 1.1220% | 2,653 |
| Return on Equity (ROE) | 26.8800% | 327 |
| Retained earnings to average equity (ytd only) | 10.3979% | 1,606 |
| Net charge-offs to loans | 0.0391% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 1,114 |
| Efficiency ratio | 61.2081% | 2,789 |
| Assets per employee ($millions) | 9.6811% | 764 |
| Cash dividends to net income (ytd only)* | 61.3218% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 1,982 |
| Loan loss allowance to noncurrent loans | 736.4217% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 2,588 |
| Noncurrent loans to loans | 0.1779% | 2,590 |
| Net loans and leases to total assets | 57.8500% | 2,880 |
| Net loans and leases to deposits | 63.2496% | 3,147 |
| Net loans and leases to core deposits | 65.7473% | 3,246 |
| Total domestic deposits to total assets | 91.4600% | 656 |
| Equity capital to assets | 4.8115% | 4,447 |
| Core capital (leverage) ratio | 9.4317% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $309,090,500 | 2,412 |
| Average earning assets | $296,603,000 | 2,364 |
| Average equity | $13,733,500 | 3,419 |
| Average total loans | $184,034,500 | 2,419 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 3,160 |
| Cost of funding earning assets | 0.9020% | 254 |
| Net interest margin | 2.5655% | 4,215 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 1.6763% | 4,214 |
| Loan and lease loss provision to assets | -0.3200% | 4,671 |
| Net operating income to assets | 1.3060% | 1,403 |
| Return on assets (ROA) | 1.3113% | 1,355 |
| Pretax return on assets | 1.4087% | 1,745 |
| Return on Equity (ROE) | 24.2800% | 236 |
| Retained earnings to average equity (ytd only) | 13.0923% | 499 |
| Net charge-offs to loans | -0.0089% | 3,787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.7804% | 2,944 |
| Assets per employee ($millions) | 9.6384% | 751 |
| Cash dividends to net income (ytd only)* | 46.0804% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,342 |
| Loan loss allowance to noncurrent loans | 546.5882% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 2,588 |
| Noncurrent loans to loans | 0.2212% | 2,381 |
| Net loans and leases to total assets | 59.6800% | 2,664 |
| Net loans and leases to deposits | 68.1412% | 2,720 |
| Net loans and leases to core deposits | 71.2606% | 2,778 |
| Total domestic deposits to total assets | 87.5900% | 2,204 |
| Equity capital to assets | 4.0957% | 4,506 |
| Core capital (leverage) ratio | 9.1546% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $311,285,400 | 2,399 |
| Average earning assets | $299,011,200 | 2,342 |
| Average equity | $16,811,400 | 3,219 |
| Average total loans | $178,939,400 | 2,386 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3779% | 2,975 |
| Cost of funding earning assets | 0.7140% | 246 |
| Net interest margin | 2.6639% | 3,995 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.6998% | 4,150 |
| Loan and lease loss provision to assets | -0.3200% | 4,711 |
| Net operating income to assets | 1.2905% | 1,384 |
| Return on assets (ROA) | 1.2976% | 1,326 |
| Pretax return on assets | 1.4281% | 1,635 |
| Return on Equity (ROE) | 22.6200% | 268 |
| Retained earnings to average equity (ytd only) | 11.4878% | 921 |
| Net charge-offs to loans | -0.0114% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.7698% | 3,018 |
| Assets per employee ($millions) | 9.4155% | 779 |
| Cash dividends to net income (ytd only)* | 49.2200% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,588 |
| Loan loss allowance to noncurrent loans | 786.5443% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 2,916 |
| Noncurrent loans to loans | 0.1789% | 2,693 |
| Net loans and leases to total assets | 58.0000% | 2,698 |
| Net loans and leases to deposits | 63.8099% | 2,881 |
| Net loans and leases to core deposits | 66.2031% | 2,941 |
| Total domestic deposits to total assets | 90.8900% | 1,283 |
| Equity capital to assets | 3.6742% | 4,522 |
| Core capital (leverage) ratio | 9.0159% | 3,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $309,590,250 | 2,419 |
| Average earning assets | $297,653,250 | 2,369 |
| Average equity | $17,757,500 | 3,178 |
| Average total loans | $175,634,500 | 2,416 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3263% | 2,654 |
| Cost of funding earning assets | 0.5407% | 419 |
| Net interest margin | 2.7857% | 3,484 |
| Noninterest income to average assets | 0.2354% | 3,768 |
| Noninterest expense to average assets | 1.7095% | 4,130 |
| Loan and lease loss provision to assets | -0.4851% | 4,749 |
| Net operating income to assets | 1.5655% | 594 |
| Return on assets (ROA) | 1.5982% | 534 |
| Pretax return on assets | 1.7360% | 691 |
| Return on Equity (ROE) | 24.8700% | 115 |
| Retained earnings to average equity (ytd only) | 14.0705% | 354 |
| Net charge-offs to loans | -0.0023% | 3,160 |
| Credit loss provision to net charge-offs | 37,500.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4476% | 3,495 |
| Assets per employee ($millions) | 9.3561% | 789 |
| Cash dividends to net income (ytd only)* | 43.4237% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,539 |
| Loan loss allowance to noncurrent loans | 481.0150% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.1723% | 2,500 |
| Noncurrent loans to loans | 0.3026% | 2,248 |
| Net loans and leases to total assets | 56.1057% | 2,742 |
| Net loans and leases to deposits | 61.7614% | 2,905 |
| Net loans and leases to core deposits | 62.4728% | 3,076 |
| Total domestic deposits to total assets | 90.8428% | 1,314 |
| Equity capital to assets | 4.2099% | 4,600 |
| Core capital (leverage) ratio | 8.8151% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,217,000 | 2,437 |
| Average earning assets | $298,528,000 | 2,386 |
| Average equity | $19,871,333 | 3,083 |
| Average total loans | $173,252,000 | 2,441 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2456% | 2,548 |
| Cost of funding earning assets | 0.3945% | 901 |
| Net interest margin | 2.8511% | 2,984 |
| Noninterest income to average assets | 0.2585% | 3,589 |
| Noninterest expense to average assets | 1.7424% | 4,067 |
| Loan and lease loss provision to assets | -0.9695% | 4,782 |
| Net operating income to assets | 2.0672% | 198 |
| Return on assets (ROA) | 2.1147% | 179 |
| Pretax return on assets | 2.2931% | 229 |
| Return on Equity (ROE) | 28.0762% | 69 |
| Retained earnings to average equity (ytd only) | 18.9291% | 123 |
| Net charge-offs to loans | -0.0070% | 3,462 |
| Credit loss provision to net charge-offs | 25,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8045% | 3,702 |
| Assets per employee ($millions) | 9.6912% | 733 |
| Cash dividends to net income (ytd only)* | 32.5795% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 1,410 |
| Loan loss allowance to noncurrent loans | 719.1011% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 3,008 |
| Noncurrent loans to loans | 0.2151% | 2,748 |
| Net loans and leases to total assets | 52.5482% | 2,933 |
| Net loans and leases to deposits | 56.2996% | 3,242 |
| Net loans and leases to core deposits | 56.9258% | 3,385 |
| Total domestic deposits to total assets | 93.3367% | 194 |
| Equity capital to assets | 6.1435% | 4,554 |
| Core capital (leverage) ratio | 8.6798% | 3,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,450,000 | 2,454 |
| Average earning assets | $299,116,500 | 2,396 |
| Average equity | $23,308,000 | 2,883 |
| Average total loans | $171,985,000 | 2,439 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 2,914 |
| Cost of funding earning assets | 0.4129% | 1,450 |
| Net interest margin | 2.9931% | 3,211 |
| Noninterest income to average assets | 0.3623% | 3,261 |
| Noninterest expense to average assets | 1.7089% | 4,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4334% | 1,173 |
| Return on assets (ROA) | 1.5279% | 998 |
| Pretax return on assets | 1.6391% | 1,314 |
| Return on Equity (ROE) | 16.0065% | 761 |
| Retained earnings to average equity (ytd only) | 3.4120% | 3,452 |
| Net charge-offs to loans | -0.1238% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6399% | 4,070 |
| Assets per employee ($millions) | 9.0819% | 895 |
| Cash dividends to net income (ytd only)* | 78.6834% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 792 |
| Loan loss allowance to noncurrent loans | 276.9682% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 1,679 |
| Noncurrent loans to loans | 0.6691% | 1,496 |
| Net loans and leases to total assets | 56.7201% | 2,515 |
| Net loans and leases to deposits | 62.5742% | 2,827 |
| Net loans and leases to core deposits | 63.3006% | 3,043 |
| Total domestic deposits to total assets | 90.6446% | 649 |
| Equity capital to assets | 8.9267% | 3,702 |
| Core capital (leverage) ratio | 8.8772% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $292,298,000 | 2,474 |
| Average earning assets | $281,650,400 | 2,426 |
| Average equity | $27,901,200 | 2,656 |
| Average total loans | $167,148,000 | 2,491 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 2,880 |
| Cost of funding earning assets | 0.4350% | 1,453 |
| Net interest margin | 3.0495% | 3,181 |
| Noninterest income to average assets | 0.3345% | 3,432 |
| Noninterest expense to average assets | 1.6651% | 4,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6068% | 1,016 |
| Return on assets (ROA) | 1.7202% | 829 |
| Pretax return on assets | 1.7211% | 1,355 |
| Return on Equity (ROE) | 17.7135% | 661 |
| Retained earnings to average equity (ytd only) | 5.6933% | 2,959 |
| Net charge-offs to loans | -0.1607% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8764% | 4,136 |
| Assets per employee ($millions) | 8.4991% | 1,051 |
| Cash dividends to net income (ytd only)* | 67.8591% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0355% | 591 |
| Loan loss allowance to noncurrent loans | 903.5616% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 3,270 |
| Noncurrent loans to loans | 0.2253% | 3,045 |
| Net loans and leases to total assets | 54.9278% | 2,858 |
| Net loans and leases to deposits | 62.8178% | 2,970 |
| Net loans and leases to core deposits | 63.6246% | 3,173 |
| Total domestic deposits to total assets | 87.4399% | 2,141 |
| Equity capital to assets | 9.6986% | 3,187 |
| Core capital (leverage) ratio | 8.9188% | 3,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $288,176,750 | 2,512 |
| Average earning assets | $277,674,000 | 2,465 |
| Average equity | $27,985,500 | 2,685 |
| Average total loans | $164,322,750 | 2,550 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4240% | 3,103 |
| Cost of funding earning assets | 0.4559% | 1,478 |
| Net interest margin | 2.9681% | 3,400 |
| Noninterest income to average assets | 0.3293% | 3,460 |
| Noninterest expense to average assets | 1.6845% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5067% | 1,269 |
| Return on assets (ROA) | 1.6706% | 973 |
| Pretax return on assets | 1.6713% | 1,558 |
| Return on Equity (ROE) | 17.1958% | 753 |
| Retained earnings to average equity (ytd only) | 5.2481% | 3,098 |
| Net charge-offs to loans | -0.1611% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7748% | 3,952 |
| Assets per employee ($millions) | 9.0143% | 858 |
| Cash dividends to net income (ytd only)* | 69.4802% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 636 |
| Loan loss allowance to noncurrent loans | 764.3026% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 3,301 |
| Noncurrent loans to loans | 0.2588% | 3,015 |
| Net loans and leases to total assets | 53.8597% | 3,148 |
| Net loans and leases to deposits | 60.7990% | 3,318 |
| Net loans and leases to core deposits | 61.7090% | 3,490 |
| Total domestic deposits to total assets | 88.5865% | 1,523 |
| Equity capital to assets | 9.3444% | 3,473 |
| Core capital (leverage) ratio | 8.8636% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,912,333 | 2,508 |
| Average earning assets | $277,687,667 | 2,459 |
| Average equity | $27,972,000 | 2,678 |
| Average total loans | $165,089,333 | 2,554 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3583% | 3,316 |
| Cost of funding earning assets | 0.4921% | 1,440 |
| Net interest margin | 2.8662% | 3,603 |
| Noninterest income to average assets | 0.4224% | 2,977 |
| Noninterest expense to average assets | 1.7688% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4170% | 1,530 |
| Return on assets (ROA) | 1.7137% | 965 |
| Pretax return on assets | 1.7151% | 1,457 |
| Return on Equity (ROE) | 17.2918% | 803 |
| Retained earnings to average equity (ytd only) | 17.2918% | 401 |
| Net charge-offs to loans | -0.3399% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4965% | 3,606 |
| Assets per employee ($millions) | 8.5852% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0173% | 580 |
| Loan loss allowance to noncurrent loans | 731.6027% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 3,379 |
| Noncurrent loans to loans | 0.2757% | 3,111 |
| Net loans and leases to total assets | 55.5633% | 3,089 |
| Net loans and leases to deposits | 62.8184% | 3,242 |
| Net loans and leases to core deposits | 63.9362% | 3,421 |
| Total domestic deposits to total assets | 88.4506% | 1,633 |
| Equity capital to assets | 9.6808% | 3,028 |
| Core capital (leverage) ratio | 9.2985% | 3,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $283,133,000 | 2,522 |
| Average earning assets | $273,112,000 | 2,470 |
| Average equity | $28,059,500 | 2,667 |
| Average total loans | $165,909,000 | 2,543 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 3,212 |
| Cost of funding earning assets | 0.7042% | 1,701 |
| Net interest margin | 3.1267% | 3,561 |
| Noninterest income to average assets | 0.3010% | 3,672 |
| Noninterest expense to average assets | 1.7142% | 4,603 |
| Loan and lease loss provision to assets | 0.0152% | 4,187 |
| Net operating income to assets | 1.5713% | 680 |
| Return on assets (ROA) | 1.6112% | 676 |
| Pretax return on assets | 1.6119% | 1,051 |
| Return on Equity (ROE) | 15.7895% | 529 |
| Retained earnings to average equity (ytd only) | 5.2110% | 2,183 |
| Net charge-offs to loans | -0.0201% | 4,429 |
| Credit loss provision to net charge-offs | -117.6471% | 3,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9226% | 4,390 |
| Assets per employee ($millions) | 8.8423% | 784 |
| Cash dividends to net income (ytd only)* | 66.9969% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8112% | 839 |
| Loan loss allowance to noncurrent loans | 826.6667% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 3,623 |
| Noncurrent loans to loans | 0.2191% | 3,418 |
| Net loans and leases to total assets | 59.3947% | 2,938 |
| Net loans and leases to deposits | 67.0124% | 3,184 |
| Net loans and leases to core deposits | 68.2074% | 3,402 |
| Total domestic deposits to total assets | 88.6324% | 1,152 |
| Equity capital to assets | 10.1402% | 2,991 |
| Core capital (leverage) ratio | 9.0311% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,099,000 | 2,499 |
| Average earning assets | $252,469,400 | 2,456 |
| Average equity | $26,847,000 | 2,684 |
| Average total loans | $169,189,600 | 2,491 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 3,258 |
| Cost of funding earning assets | 0.7544% | 1,712 |
| Net interest margin | 3.1443% | 3,634 |
| Noninterest income to average assets | 0.2634% | 3,889 |
| Noninterest expense to average assets | 1.7040% | 4,619 |
| Loan and lease loss provision to assets | 0.0205% | 4,077 |
| Net operating income to assets | 1.5537% | 801 |
| Return on assets (ROA) | 1.5681% | 856 |
| Pretax return on assets | 1.5692% | 1,276 |
| Return on Equity (ROE) | 15.3412% | 640 |
| Retained earnings to average equity (ytd only) | 3.9313% | 3,086 |
| Net charge-offs to loans | -0.0308% | 4,541 |
| Credit loss provision to net charge-offs | -102.5641% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9609% | 4,348 |
| Assets per employee ($millions) | 8.7979% | 748 |
| Cash dividends to net income (ytd only)* | 74.3742% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8028% | 720 |
| Loan loss allowance to noncurrent loans | 595.9693% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2174% | 3,357 |
| Noncurrent loans to loans | 0.3025% | 3,196 |
| Net loans and leases to total assets | 62.0124% | 3,010 |
| Net loans and leases to deposits | 69.3820% | 3,362 |
| Net loans and leases to core deposits | 70.5786% | 3,587 |
| Total domestic deposits to total assets | 89.3783% | 625 |
| Equity capital to assets | 10.0926% | 3,156 |
| Core capital (leverage) ratio | 9.1385% | 3,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,135,500 | 2,511 |
| Average earning assets | $247,593,250 | 2,471 |
| Average equity | $26,385,750 | 2,701 |
| Average total loans | $168,697,250 | 2,502 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0114% | 3,293 |
| Cost of funding earning assets | 0.8272% | 1,690 |
| Net interest margin | 3.1843% | 3,711 |
| Noninterest income to average assets | 0.2859% | 3,748 |
| Noninterest expense to average assets | 1.7428% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5944% | 772 |
| Return on assets (ROA) | 1.6204% | 798 |
| Pretax return on assets | 1.6212% | 1,178 |
| Return on Equity (ROE) | 15.7812% | 605 |
| Retained earnings to average equity (ytd only) | 4.4452% | 2,731 |
| Net charge-offs to loans | -0.0239% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2120% | 4,341 |
| Assets per employee ($millions) | 8.3872% | 847 |
| Cash dividends to net income (ytd only)* | 71.8324% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 711 |
| Loan loss allowance to noncurrent loans | 686.0360% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 3,337 |
| Noncurrent loans to loans | 0.2573% | 3,463 |
| Net loans and leases to total assets | 63.1685% | 2,986 |
| Net loans and leases to deposits | 70.5905% | 3,380 |
| Net loans and leases to core deposits | 71.6190% | 3,613 |
| Total domestic deposits to total assets | 89.4858% | 577 |
| Equity capital to assets | 10.0697% | 3,145 |
| Core capital (leverage) ratio | 9.2791% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,269,333 | 2,523 |
| Average earning assets | $242,756,667 | 2,472 |
| Average equity | $26,005,667 | 2,715 |
| Average total loans | $167,518,333 | 2,492 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1806% | 3,286 |
| Cost of funding earning assets | 0.9562% | 1,624 |
| Net interest margin | 3.2244% | 3,798 |
| Noninterest income to average assets | 0.2995% | 3,717 |
| Noninterest expense to average assets | 1.8233% | 4,639 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5596% | 683 |
| Return on assets (ROA) | 1.5612% | 750 |
| Pretax return on assets | 1.5628% | 1,149 |
| Return on Equity (ROE) | 15.0458% | 542 |
| Retained earnings to average equity (ytd only) | 15.0458% | 190 |
| Net charge-offs to loans | 0.0145% | 2,083 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 159.8333% | 411 |
| Efficiency ratio | 53.8721% | 4,405 |
| Assets per employee ($millions) | 7.6573% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 679 |
| Loan loss allowance to noncurrent loans | 645.2991% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 3,075 |
| Noncurrent loans to loans | 0.2837% | 3,476 |
| Net loans and leases to total assets | 66.0791% | 2,809 |
| Net loans and leases to deposits | 74.6228% | 3,205 |
| Net loans and leases to core deposits | 75.8217% | 3,507 |
| Total domestic deposits to total assets | 88.5509% | 859 |
| Equity capital to assets | 10.7708% | 3,077 |
| Core capital (leverage) ratio | 10.1578% | 3,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,709,000 | 2,518 |
| Average earning assets | $235,085,500 | 2,470 |
| Average equity | $25,495,500 | 2,744 |
| Average total loans | $164,985,500 | 2,489 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 3,332 |
| Cost of funding earning assets | 1.0209% | 1,632 |
| Net interest margin | 3.3489% | 3,874 |
| Noninterest income to average assets | 0.2804% | 4,005 |
| Noninterest expense to average assets | 1.8367% | 4,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6175% | 803 |
| Return on assets (ROA) | 1.6363% | 809 |
| Pretax return on assets | 1.6371% | 1,381 |
| Return on Equity (ROE) | 16.1138% | 526 |
| Retained earnings to average equity (ytd only) | 3.8348% | 3,053 |
| Net charge-offs to loans | -0.2243% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0744% | 4,511 |
| Assets per employee ($millions) | 7.6996% | 796 |
| Cash dividends to net income (ytd only)* | 76.2017% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8335% | 624 |
| Loan loss allowance to noncurrent loans | 630.4167% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.3470% | 3,016 |
| Noncurrent loans to loans | 0.2908% | 3,389 |
| Net loans and leases to total assets | 65.7545% | 2,981 |
| Net loans and leases to deposits | 73.4493% | 3,398 |
| Net loans and leases to core deposits | 74.5446% | 3,676 |
| Total domestic deposits to total assets | 89.5238% | 481 |
| Equity capital to assets | 9.9839% | 3,937 |
| Core capital (leverage) ratio | 9.8373% | 3,692 |
| Tier 1 risk-based capital ratio | 12.5689% | 4,024 |
| Total risk-based capital ratio | 13.8232% | 3,910 |
| Memoranda: | ||
| Average total assets | $233,946,800 | 2,551 |
| Average earning assets | $221,773,000 | 2,523 |
| Average equity | $23,756,000 | 2,816 |
| Average total loans | $158,746,200 | 2,526 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 3,274 |
| Cost of funding earning assets | 1.0175% | 1,693 |
| Net interest margin | 3.4088% | 3,845 |
| Noninterest income to average assets | 0.2553% | 4,210 |
| Noninterest expense to average assets | 1.8604% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6213% | 884 |
| Return on assets (ROA) | 1.6779% | 817 |
| Pretax return on assets | 1.6791% | 1,396 |
| Return on Equity (ROE) | 16.4502% | 541 |
| Retained earnings to average equity (ytd only) | 4.4736% | 3,160 |
| Net charge-offs to loans | -0.3062% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3002% | 4,466 |
| Assets per employee ($millions) | 7.4084% | 878 |
| Cash dividends to net income (ytd only)* | 72.8055% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9162% | 545 |
| Loan loss allowance to noncurrent loans | 3,124.7423% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 3,516 |
| Noncurrent loans to loans | 0.0613% | 4,364 |
| Net loans and leases to total assets | 65.4448% | 3,121 |
| Net loans and leases to deposits | 76.5190% | 3,250 |
| Net loans and leases to core deposits | 77.8893% | 3,559 |
| Total domestic deposits to total assets | 85.5275% | 2,199 |
| Equity capital to assets | 10.3813% | 3,654 |
| Core capital (leverage) ratio | 10.2536% | 3,362 |
| Tier 1 risk-based capital ratio | 12.9918% | 3,853 |
| Total risk-based capital ratio | 14.2468% | 3,751 |
| Memoranda: | ||
| Average total assets | $230,837,000 | 2,598 |
| Average earning assets | $218,567,500 | 2,565 |
| Average equity | $23,545,250 | 2,847 |
| Average total loans | $157,173,750 | 2,571 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 3,114 |
| Cost of funding earning assets | 1.0262% | 1,579 |
| Net interest margin | 3.4420% | 3,764 |
| Noninterest income to average assets | 0.2597% | 4,198 |
| Noninterest expense to average assets | 1.9016% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6122% | 878 |
| Return on assets (ROA) | 1.6253% | 896 |
| Pretax return on assets | 1.6262% | 1,465 |
| Return on Equity (ROE) | 16.0328% | 584 |
| Retained earnings to average equity (ytd only) | 4.7779% | 2,877 |
| Net charge-offs to loans | -0.4629% | 5,222 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1045% | 4,457 |
| Assets per employee ($millions) | 7.1277% | 941 |
| Cash dividends to net income (ytd only)* | 70.1990% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 543 |
| Loan loss allowance to noncurrent loans | 5,832.6923% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 3,532 |
| Noncurrent loans to loans | 0.0329% | 4,554 |
| Net loans and leases to total assets | 67.9270% | 2,823 |
| Net loans and leases to deposits | 77.2339% | 3,223 |
| Net loans and leases to core deposits | 78.2343% | 3,560 |
| Total domestic deposits to total assets | 87.9497% | 1,123 |
| Equity capital to assets | 10.5741% | 3,454 |
| Core capital (leverage) ratio | 10.3505% | 3,240 |
| Tier 1 risk-based capital ratio | 13.1100% | 3,780 |
| Total risk-based capital ratio | 14.3651% | 3,683 |
| Memoranda: | ||
| Average total assets | $228,759,330 | 2,620 |
| Average earning assets | $216,330,000 | 2,592 |
| Average equity | $23,190,000 | 2,867 |
| Average total loans | $156,838,000 | 2,584 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 3,077 |
| Cost of funding earning assets | 1.0312% | 1,446 |
| Net interest margin | 3.4119% | 3,858 |
| Noninterest income to average assets | 0.2444% | 4,257 |
| Noninterest expense to average assets | 1.9590% | 4,716 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5016% | 1,113 |
| Return on assets (ROA) | 1.5016% | 1,144 |
| Pretax return on assets | 1.5033% | 1,757 |
| Return on Equity (ROE) | 15.1368% | 725 |
| Retained earnings to average equity (ytd only) | 15.1368% | 271 |
| Net charge-offs to loans | -1.0469% | 5,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5809% | 4,262 |
| Assets per employee ($millions) | 6.7938% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0016% | 496 |
| Loan loss allowance to noncurrent loans | 1,272.3140% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,206 |
| Noncurrent loans to loans | 0.1573% | 4,036 |
| Net loans and leases to total assets | 67.2404% | 2,872 |
| Net loans and leases to deposits | 75.5326% | 3,301 |
| Net loans and leases to core deposits | 77.3503% | 3,571 |
| Total domestic deposits to total assets | 89.0217% | 848 |
| Equity capital to assets | 10.5590% | 3,295 |
| Core capital (leverage) ratio | 10.4913% | 3,061 |
| Tier 1 risk-based capital ratio | 13.7951% | 3,454 |
| Total risk-based capital ratio | 15.0515% | 3,360 |
| Memoranda: | ||
| Average total assets | $229,096,000 | 2,651 |
| Average earning assets | $216,066,500 | 2,620 |
| Average equity | $22,726,000 | 2,908 |
| Average total loans | $156,274,500 | 2,622 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 2,719 |
| Cost of funding earning assets | 0.9406% | 966 |
| Net interest margin | 3.4721% | 3,794 |
| Noninterest income to average assets | 0.3086% | 4,049 |
| Noninterest expense to average assets | 1.9051% | 4,888 |
| Loan and lease loss provision to assets | 0.0577% | 3,006 |
| Net operating income to assets | 1.6382% | 796 |
| Return on assets (ROA) | 1.6835% | 713 |
| Pretax return on assets | 1.6844% | 1,206 |
| Return on Equity (ROE) | 17.4710% | 440 |
| Retained earnings to average equity (ytd only) | 3.9541% | 3,398 |
| Net charge-offs to loans | 0.1346% | 1,411 |
| Credit loss provision to net charge-offs | 62.2010% | 3,077 |
| Earnings coverage of net charge-offs (x) | 18.2823% | 2,143 |
| Efficiency ratio | 52.8911% | 4,726 |
| Assets per employee ($millions) | 7.5482% | 782 |
| Cash dividends to net income (ytd only)* | 77.3674% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6822% | 862 |
| Loan loss allowance to noncurrent loans | 635.7143% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 2,911 |
| Noncurrent loans to loans | 0.2646% | 3,629 |
| Net loans and leases to total assets | 66.6890% | 3,041 |
| Net loans and leases to deposits | 73.8617% | 3,513 |
| Net loans and leases to core deposits | 75.5382% | 3,749 |
| Total domestic deposits to total assets | 90.2891% | 386 |
| Equity capital to assets | 9.3075% | 4,317 |
| Core capital (leverage) ratio | 9.9563% | 3,635 |
| Tier 1 risk-based capital ratio | 12.6088% | 4,069 |
| Total risk-based capital ratio | 13.8616% | 3,950 |
| Memoranda: | ||
| Average total assets | $225,186,600 | 2,648 |
| Average earning assets | $213,587,400 | 2,614 |
| Average equity | $21,698,800 | 2,915 |
| Average total loans | $155,270,600 | 2,580 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 2,645 |
| Cost of funding earning assets | 0.8890% | 965 |
| Net interest margin | 3.5050% | 3,681 |
| Noninterest income to average assets | 0.2840% | 4,254 |
| Noninterest expense to average assets | 1.8536% | 4,972 |
| Loan and lease loss provision to assets | 0.0299% | 3,421 |
| Net operating income to assets | 1.7376% | 691 |
| Return on assets (ROA) | 1.8303% | 573 |
| Pretax return on assets | 1.8315% | 939 |
| Return on Equity (ROE) | 18.8259% | 355 |
| Retained earnings to average equity (ytd only) | 4.8649% | 3,309 |
| Net charge-offs to loans | 0.0190% | 2,767 |
| Credit loss provision to net charge-offs | 227.2727% | 1,261 |
| Earnings coverage of net charge-offs (x) | 134.4664% | 601 |
| Efficiency ratio | 51.1720% | 4,872 |
| Assets per employee ($millions) | 7.3925% | 809 |
| Cash dividends to net income (ytd only)* | 74.1588% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8033% | 721 |
| Loan loss allowance to noncurrent loans | 736.6048% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 3,431 |
| Noncurrent loans to loans | 0.2448% | 3,815 |
| Net loans and leases to total assets | 65.9843% | 3,178 |
| Net loans and leases to deposits | 72.9025% | 3,687 |
| Net loans and leases to core deposits | 74.4806% | 3,913 |
| Total domestic deposits to total assets | 90.5105% | 341 |
| Equity capital to assets | 9.1605% | 4,412 |
| Core capital (leverage) ratio | 10.0985% | 3,522 |
| Tier 1 risk-based capital ratio | 13.2303% | 3,771 |
| Total risk-based capital ratio | 14.4846% | 3,678 |
| Memoranda: | ||
| Average total assets | $222,984,500 | 2,687 |
| Average earning assets | $212,378,250 | 2,633 |
| Average equity | $21,678,750 | 2,937 |
| Average total loans | $154,408,500 | 2,607 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,462 |
| Cost of funding earning assets | 0.8252% | 1,025 |
| Net interest margin | 3.5620% | 3,431 |
| Noninterest income to average assets | 0.2716% | 4,373 |
| Noninterest expense to average assets | 1.8486% | 5,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8142% | 565 |
| Return on assets (ROA) | 1.9219% | 440 |
| Pretax return on assets | 1.9228% | 729 |
| Return on Equity (ROE) | 19.3816% | 305 |
| Retained earnings to average equity (ytd only) | 5.5507% | 2,795 |
| Net charge-offs to loans | 0.0660% | 1,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 39.3137% | 1,316 |
| Efficiency ratio | 50.4571% | 5,000 |
| Assets per employee ($millions) | 7.2441% | 848 |
| Cash dividends to net income (ytd only)* | 71.3613% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7444% | 832 |
| Loan loss allowance to noncurrent loans | 1,369.5431% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 3,705 |
| Noncurrent loans to loans | 0.1274% | 4,338 |
| Net loans and leases to total assets | 67.6720% | 2,917 |
| Net loans and leases to deposits | 77.0970% | 3,243 |
| Net loans and leases to core deposits | 78.8520% | 3,508 |
| Total domestic deposits to total assets | 87.7751% | 1,484 |
| Equity capital to assets | 9.5749% | 4,034 |
| Core capital (leverage) ratio | 9.0861% | 4,604 |
| Tier 1 risk-based capital ratio | 11.6945% | 4,693 |
| Total risk-based capital ratio | 12.9483% | 4,563 |
| Memoranda: | ||
| Average total assets | $220,923,330 | 2,724 |
| Average earning assets | $210,385,000 | 2,665 |
| Average equity | $21,907,330 | 2,935 |
| Average total loans | $154,547,330 | 2,613 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 2,030 |
| Cost of funding earning assets | 0.7408% | 1,230 |
| Net interest margin | 3.7062% | 2,771 |
| Noninterest income to average assets | 0.2702% | 4,363 |
| Noninterest expense to average assets | 1.8530% | 5,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.9407% | 419 |
| Return on assets (ROA) | 1.9407% | 420 |
| Pretax return on assets | 1.9425% | 656 |
| Return on Equity (ROE) | 19.2311% | 302 |
| Retained earnings to average equity (ytd only) | 19.2311% | 118 |
| Net charge-offs to loans | 0.0078% | 2,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 354.6667% | 192 |
| Efficiency ratio | 48.8215% | 5,152 |
| Assets per employee ($millions) | 6.7968% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 806 |
| Loan loss allowance to noncurrent loans | 569.7095% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 3,219 |
| Noncurrent loans to loans | 0.3137% | 3,645 |
| Net loans and leases to total assets | 69.3709% | 2,579 |
| Net loans and leases to deposits | 77.5112% | 3,062 |
| Net loans and leases to core deposits | 91.2793% | 2,352 |
| Total domestic deposits to total assets | 89.4979% | 890 |
| Equity capital to assets | 10.2226% | 3,367 |
| Core capital (leverage) ratio | 10.7585% | 2,679 |
| Tier 1 risk-based capital ratio | 14.5885% | 3,075 |
| Total risk-based capital ratio | 15.8438% | 2,977 |
| Memoranda: | ||
| Average total assets | $219,101,500 | 2,764 |
| Average earning assets | $208,409,500 | 2,712 |
| Average equity | $22,110,000 | 2,948 |
| Average total loans | $154,487,500 | 2,639 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,464 |
| Cost of funding earning assets | 0.5801% | 1,741 |
| Net interest margin | 3.4013% | 3,853 |
| Noninterest income to average assets | 0.3333% | 4,080 |
| Noninterest expense to average assets | 1.9575% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.6083% | 640 |
| Return on assets (ROA) | 1.6657% | 585 |
| Pretax return on assets | 1.6666% | 1,107 |
| Return on Equity (ROE) | 16.4436% | 434 |
| Retained earnings to average equity (ytd only) | 4.2938% | 2,582 |
| Net charge-offs to loans | -0.4471% | 5,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8817% | 4,868 |
| Assets per employee ($millions) | 6.8970% | 1,015 |
| Cash dividends to net income (ytd only)* | 73.8875% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 827 |
| Loan loss allowance to noncurrent loans | 129.4866% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.1409% | 1,310 |
| Noncurrent loans to loans | 1.3666% | 1,271 |
| Net loans and leases to total assets | 69.1419% | 2,659 |
| Net loans and leases to deposits | 80.5374% | 2,858 |
| Net loans and leases to core deposits | 94.5137% | 2,150 |
| Total domestic deposits to total assets | 85.8507% | 2,507 |
| Equity capital to assets | 9.9618% | 3,744 |
| Core capital (leverage) ratio | 10.2446% | 3,133 |
| Tier 1 risk-based capital ratio | 13.4302% | 3,671 |
| Total risk-based capital ratio | 14.6846% | 3,577 |
| Memoranda: | ||
| Average total assets | $214,510,200 | 2,769 |
| Average earning assets | $203,920,400 | 2,734 |
| Average equity | $21,728,800 | 2,975 |
| Average total loans | $150,061,600 | 2,653 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,566 |
| Cost of funding earning assets | 0.5559% | 1,845 |
| Net interest margin | 3.3825% | 3,911 |
| Noninterest income to average assets | 0.2980% | 4,401 |
| Noninterest expense to average assets | 1.9471% | 5,049 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5696% | 767 |
| Return on assets (ROA) | 1.6409% | 666 |
| Pretax return on assets | 1.6416% | 1,273 |
| Return on Equity (ROE) | 16.1304% | 514 |
| Retained earnings to average equity (ytd only) | 4.9973% | 2,887 |
| Net charge-offs to loans | -0.5226% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3578% | 4,807 |
| Assets per employee ($millions) | 6.8592% | 1,006 |
| Cash dividends to net income (ytd only)* | 69.0195% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8145% | 832 |
| Loan loss allowance to noncurrent loans | 134.8708% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 1,478 |
| Noncurrent loans to loans | 1.3454% | 1,406 |
| Net loans and leases to total assets | 67.7156% | 2,882 |
| Net loans and leases to deposits | 79.4775% | 3,017 |
| Net loans and leases to core deposits | 93.8393% | 2,285 |
| Total domestic deposits to total assets | 85.2009% | 2,635 |
| Equity capital to assets | 10.4555% | 3,416 |
| Core capital (leverage) ratio | 10.3879% | 3,098 |
| Tier 1 risk-based capital ratio | 14.3282% | 3,279 |
| Total risk-based capital ratio | 15.5849% | 3,181 |
| Memoranda: | ||
| Average total assets | $212,961,750 | 2,812 |
| Average earning assets | $202,682,750 | 2,768 |
| Average equity | $21,664,500 | 3,008 |
| Average total loans | $148,740,000 | 2,682 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,008 |
| Cost of funding earning assets | 0.5221% | 1,990 |
| Net interest margin | 3.2462% | 4,275 |
| Noninterest income to average assets | 0.3079% | 4,335 |
| Noninterest expense to average assets | 1.9411% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4587% | 936 |
| Return on assets (ROA) | 1.4859% | 915 |
| Pretax return on assets | 1.4868% | 1,698 |
| Return on Equity (ROE) | 14.7425% | 703 |
| Retained earnings to average equity (ytd only) | 3.8835% | 3,385 |
| Net charge-offs to loans | -0.3962% | 5,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0798% | 4,698 |
| Assets per employee ($millions) | 6.5537% | 1,121 |
| Cash dividends to net income (ytd only)* | 73.6576% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5727% | 1,324 |
| Loan loss allowance to noncurrent loans | 98.3838% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 1,417 |
| Noncurrent loans to loans | 1.5985% | 1,160 |
| Net loans and leases to total assets | 68.7007% | 2,707 |
| Net loans and leases to deposits | 78.1273% | 3,107 |
| Net loans and leases to core deposits | 91.3996% | 2,384 |
| Total domestic deposits to total assets | 87.9342% | 1,487 |
| Equity capital to assets | 10.1751% | 3,700 |
| Core capital (leverage) ratio | 10.2297% | 3,236 |
| Tier 1 risk-based capital ratio | 13.2692% | 3,826 |
| Total risk-based capital ratio | 14.5214% | 3,739 |
| Memoranda: | ||
| Average total assets | $213,070,670 | 2,822 |
| Average earning assets | $203,008,330 | 2,777 |
| Average equity | $21,475,330 | 3,031 |
| Average total loans | $149,437,330 | 2,685 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 4,441 |
| Cost of funding earning assets | 0.4768% | 2,282 |
| Net interest margin | 3.1171% | 4,612 |
| Noninterest income to average assets | 0.2913% | 4,472 |
| Noninterest expense to average assets | 1.9312% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3279% | 1,170 |
| Return on assets (ROA) | 1.3411% | 1,168 |
| Pretax return on assets | 1.3411% | 2,094 |
| Return on Equity (ROE) | 13.3711% | 929 |
| Retained earnings to average equity (ytd only) | 13.3711% | 347 |
| Net charge-offs to loans | -0.3417% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2571% | 4,563 |
| Assets per employee ($millions) | 6.3856% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,686 |
| Loan loss allowance to noncurrent loans | 89.7436% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 1.1887% | 1,484 |
| Noncurrent loans to loans | 1.6736% | 1,152 |
| Net loans and leases to total assets | 68.6237% | 2,581 |
| Net loans and leases to deposits | 79.4781% | 2,813 |
| Net loans and leases to core deposits | 92.7765% | 2,091 |
| Total domestic deposits to total assets | 86.3429% | 2,519 |
| Equity capital to assets | 10.3091% | 3,396 |
| Core capital (leverage) ratio | 10.5164% | 2,889 |
| Tier 1 risk-based capital ratio | 14.0847% | 3,422 |
| Total risk-based capital ratio | 15.3370% | 3,343 |
| Memoranda: | ||
| Average total assets | $211,469,500 | 2,876 |
| Average earning assets | $201,339,000 | 2,820 |
| Average equity | $21,210,000 | 3,065 |
| Average total loans | $148,678,500 | 2,713 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7877% | 3,952 |
| Cost of funding earning assets | 0.4843% | 2,216 |
| Net interest margin | 3.3034% | 4,139 |
| Noninterest income to average assets | 0.4296% | 3,682 |
| Noninterest expense to average assets | 1.8618% | 5,412 |
| Loan and lease loss provision to assets | 0.0562% | 3,254 |
| Net operating income to assets | 1.6523% | 608 |
| Return on assets (ROA) | 1.7571% | 506 |
| Pretax return on assets | 1.7580% | 873 |
| Return on Equity (ROE) | 16.8488% | 425 |
| Retained earnings to average equity (ytd only) | 3.8681% | 3,168 |
| Net charge-offs to loans | 0.0098% | 3,934 |
| Credit loss provision to net charge-offs | 828.5714% | 443 |
| Earnings coverage of net charge-offs (x) | 251.8571% | 284 |
| Efficiency ratio | 52.1314% | 5,376 |
| Assets per employee ($millions) | 6.2416% | 1,303 |
| Cash dividends to net income (ytd only)* | 77.0419% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,166 |
| Loan loss allowance to noncurrent loans | 276.6977% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 3,867 |
| Noncurrent loans to loans | 0.4989% | 3,371 |
| Net loans and leases to total assets | 69.9608% | 2,474 |
| Net loans and leases to deposits | 80.0054% | 2,885 |
| Net loans and leases to core deposits | 92.6239% | 2,242 |
| Total domestic deposits to total assets | 87.4452% | 1,906 |
| Equity capital to assets | 9.7525% | 4,008 |
| Core capital (leverage) ratio | 10.2206% | 3,200 |
| Tier 1 risk-based capital ratio | 13.3925% | 3,836 |
| Total risk-based capital ratio | 14.6428% | 3,737 |
| Memoranda: | ||
| Average total assets | $206,254,600 | 2,897 |
| Average earning assets | $196,163,000 | 2,838 |
| Average equity | $21,509,000 | 3,021 |
| Average total loans | $142,387,400 | 2,748 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 3,915 |
| Cost of funding earning assets | 0.4928% | 2,148 |
| Net interest margin | 3.3080% | 4,163 |
| Noninterest income to average assets | 0.4298% | 3,698 |
| Noninterest expense to average assets | 1.8329% | 5,477 |
| Loan and lease loss provision to assets | 0.0495% | 3,253 |
| Net operating income to assets | 1.6936% | 601 |
| Return on assets (ROA) | 1.8297% | 481 |
| Pretax return on assets | 1.8303% | 842 |
| Return on Equity (ROE) | 17.2556% | 424 |
| Retained earnings to average equity (ytd only) | 4.3661% | 3,228 |
| Net charge-offs to loans | -0.0333% | 5,202 |
| Credit loss provision to net charge-offs | -217.1429% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2470% | 5,427 |
| Assets per employee ($millions) | 6.2188% | 1,285 |
| Cash dividends to net income (ytd only)* | 74.6977% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,974 |
| Loan loss allowance to noncurrent loans | 211.2348% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 3,485 |
| Noncurrent loans to loans | 0.6870% | 2,975 |
| Net loans and leases to total assets | 69.0579% | 2,629 |
| Net loans and leases to deposits | 80.6047% | 2,900 |
| Net loans and leases to core deposits | 94.3410% | 2,162 |
| Total domestic deposits to total assets | 85.6748% | 2,526 |
| Equity capital to assets | 10.7860% | 3,258 |
| Core capital (leverage) ratio | 10.2366% | 3,296 |
| Tier 1 risk-based capital ratio | 13.7875% | 3,677 |
| Total risk-based capital ratio | 15.0402% | 3,603 |
| Memoranda: | ||
| Average total assets | $204,765,000 | 2,918 |
| Average earning assets | $194,794,500 | 2,860 |
| Average equity | $21,712,250 | 3,031 |
| Average total loans | $140,348,250 | 2,778 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,018 |
| Cost of funding earning assets | 0.5001% | 2,102 |
| Net interest margin | 3.2818% | 4,285 |
| Noninterest income to average assets | 0.4633% | 3,439 |
| Noninterest expense to average assets | 1.7907% | 5,604 |
| Loan and lease loss provision to assets | 0.0743% | 2,653 |
| Net operating income to assets | 1.7213% | 560 |
| Return on assets (ROA) | 1.8620% | 451 |
| Pretax return on assets | 1.8630% | 758 |
| Return on Equity (ROE) | 17.6623% | 383 |
| Retained earnings to average equity (ytd only) | 5.3590% | 2,510 |
| Net charge-offs to loans | -0.1178% | 5,674 |
| Credit loss provision to net charge-offs | -92.6829% | 4,594 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9183% | 5,565 |
| Assets per employee ($millions) | 6.4265% | 1,119 |
| Cash dividends to net income (ytd only)* | 69.6588% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 1,706 |
| Loan loss allowance to noncurrent loans | 204.7985% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 3,496 |
| Noncurrent loans to loans | 0.7532% | 2,862 |
| Net loans and leases to total assets | 66.2294% | 3,050 |
| Net loans and leases to deposits | 75.2175% | 3,459 |
| Net loans and leases to core deposits | 88.6840% | 2,668 |
| Total domestic deposits to total assets | 88.0505% | 1,411 |
| Equity capital to assets | 10.6745% | 3,435 |
| Core capital (leverage) ratio | 10.2290% | 3,297 |
| Tier 1 risk-based capital ratio | 13.5080% | 3,899 |
| Total risk-based capital ratio | 14.7598% | 3,806 |
| Memoranda: | ||
| Average total assets | $204,613,670 | 2,936 |
| Average earning assets | $194,773,000 | 2,871 |
| Average equity | $21,571,330 | 3,048 |
| Average total loans | $139,195,330 | 2,805 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 4,162 |
| Cost of funding earning assets | 0.4960% | 2,143 |
| Net interest margin | 3.2458% | 4,411 |
| Noninterest income to average assets | 0.5586% | 2,753 |
| Noninterest expense to average assets | 1.8188% | 5,629 |
| Loan and lease loss provision to assets | 0.1489% | 1,419 |
| Net operating income to assets | 1.6816% | 601 |
| Return on assets (ROA) | 1.7894% | 512 |
| Pretax return on assets | 1.7894% | 867 |
| Return on Equity (ROE) | 17.0806% | 430 |
| Retained earnings to average equity (ytd only) | 17.0806% | 147 |
| Net charge-offs to loans | -0.1289% | 5,731 |
| Credit loss provision to net charge-offs | -168.8889% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8389% | 5,638 |
| Assets per employee ($millions) | 6.2925% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,834 |
| Loan loss allowance to noncurrent loans | 203.9883% | 2,206 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 3,481 |
| Noncurrent loans to loans | 0.7543% | 2,950 |
| Net loans and leases to total assets | 66.6435% | 2,868 |
| Net loans and leases to deposits | 76.1592% | 3,205 |
| Net loans and leases to core deposits | 90.0015% | 2,371 |
| Total domestic deposits to total assets | 87.5055% | 1,921 |
| Equity capital to assets | 10.9093% | 3,034 |
| Core capital (leverage) ratio | 10.6053% | 2,843 |
| Tier 1 risk-based capital ratio | 15.1898% | 3,070 |
| Total risk-based capital ratio | 16.4431% | 3,002 |
| Memoranda: | ||
| Average total assets | $204,096,000 | 2,939 |
| Average earning assets | $194,345,000 | 2,881 |
| Average equity | $21,381,000 | 3,073 |
| Average total loans | $139,626,000 | 2,794 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 3,793 |
| Cost of funding earning assets | 0.4990% | 2,164 |
| Net interest margin | 3.3741% | 4,016 |
| Noninterest income to average assets | 0.3933% | 4,078 |
| Noninterest expense to average assets | 1.8883% | 5,631 |
| Loan and lease loss provision to assets | 0.0711% | 2,851 |
| Net operating income to assets | 1.6286% | 662 |
| Return on assets (ROA) | 1.7755% | 518 |
| Pretax return on assets | 1.7765% | 842 |
| Return on Equity (ROE) | 16.7744% | 479 |
| Retained earnings to average equity (ytd only) | 3.9559% | 3,219 |
| Net charge-offs to loans | -0.1132% | 5,812 |
| Credit loss provision to net charge-offs | -92.7152% | 5,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6122% | 5,600 |
| Assets per employee ($millions) | 6.8944% | 922 |
| Cash dividends to net income (ytd only)* | 76.4167% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 2,507 |
| Loan loss allowance to noncurrent loans | 185.1921% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 2,159 |
| Noncurrent loans to loans | 0.7464% | 2,940 |
| Net loans and leases to total assets | 68.1643% | 2,683 |
| Net loans and leases to deposits | 76.3236% | 3,213 |
| Net loans and leases to core deposits | 89.2785% | 2,469 |
| Total domestic deposits to total assets | 89.3096% | 961 |
| Equity capital to assets | 10.0541% | 3,898 |
| Core capital (leverage) ratio | 10.0450% | 3,446 |
| Tier 1 risk-based capital ratio | 13.2906% | 4,108 |
| Total risk-based capital ratio | 14.5403% | 4,059 |
| Memoranda: | ||
| Average total assets | $196,793,600 | 2,976 |
| Average earning assets | $186,387,800 | 2,924 |
| Average equity | $20,829,400 | 3,092 |
| Average total loans | $133,435,400 | 2,834 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 3,834 |
| Cost of funding earning assets | 0.5031% | 2,181 |
| Net interest margin | 3.3707% | 4,078 |
| Noninterest income to average assets | 0.3816% | 4,204 |
| Noninterest expense to average assets | 1.8309% | 5,737 |
| Loan and lease loss provision to assets | 0.0412% | 3,385 |
| Net operating income to assets | 1.6999% | 625 |
| Return on assets (ROA) | 1.7740% | 567 |
| Pretax return on assets | 1.7747% | 941 |
| Return on Equity (ROE) | 16.5399% | 527 |
| Retained earnings to average equity (ytd only) | 4.0758% | 3,560 |
| Net charge-offs to loans | -0.2035% | 6,000 |
| Credit loss provision to net charge-offs | -30.0000% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2486% | 5,702 |
| Assets per employee ($millions) | 6.3250% | 1,165 |
| Cash dividends to net income (ytd only)* | 75.3579% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4599% | 2,327 |
| Loan loss allowance to noncurrent loans | 162.6254% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 1.1649% | 2,038 |
| Noncurrent loans to loans | 0.8977% | 2,729 |
| Net loans and leases to total assets | 66.9558% | 2,854 |
| Net loans and leases to deposits | 76.5686% | 3,235 |
| Net loans and leases to core deposits | 89.6319% | 2,500 |
| Total domestic deposits to total assets | 87.4456% | 1,826 |
| Equity capital to assets | 10.6776% | 3,384 |
| Core capital (leverage) ratio | 10.2906% | 3,265 |
| Tier 1 risk-based capital ratio | 14.5548% | 3,530 |
| Total risk-based capital ratio | 15.8081% | 3,450 |
| Memoranda: | ||
| Average total assets | $194,284,250 | 3,025 |
| Average earning assets | $183,932,000 | 2,981 |
| Average equity | $20,838,000 | 3,115 |
| Average total loans | $131,054,000 | 2,885 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8460% | 3,894 |
| Cost of funding earning assets | 0.5012% | 2,243 |
| Net interest margin | 3.3447% | 4,124 |
| Noninterest income to average assets | 0.3366% | 4,549 |
| Noninterest expense to average assets | 1.7915% | 5,862 |
| Loan and lease loss provision to assets | 0.0103% | 3,902 |
| Net operating income to assets | 1.6965% | 631 |
| Return on assets (ROA) | 1.8081% | 527 |
| Pretax return on assets | 1.8091% | 879 |
| Return on Equity (ROE) | 16.8322% | 506 |
| Retained earnings to average equity (ytd only) | 4.1336% | 3,392 |
| Net charge-offs to loans | -0.4036% | 6,172 |
| Credit loss provision to net charge-offs | -3.8023% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1950% | 5,781 |
| Assets per employee ($millions) | 6.4525% | 1,079 |
| Cash dividends to net income (ytd only)* | 75.4426% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 2,370 |
| Loan loss allowance to noncurrent loans | 165.9322% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1897% | 2,133 |
| Noncurrent loans to loans | 0.8933% | 2,896 |
| Net loans and leases to total assets | 67.2308% | 2,765 |
| Net loans and leases to deposits | 77.3141% | 3,116 |
| Net loans and leases to core deposits | 90.9995% | 2,243 |
| Total domestic deposits to total assets | 86.9580% | 2,194 |
| Equity capital to assets | 10.5169% | 3,420 |
| Core capital (leverage) ratio | 10.3554% | 3,137 |
| Tier 1 risk-based capital ratio | 14.4294% | 3,677 |
| Total risk-based capital ratio | 15.6812% | 3,600 |
| Memoranda: | ||
| Average total assets | $193,687,670 | 3,054 |
| Average earning assets | $183,153,000 | 3,015 |
| Average equity | $20,805,330 | 3,131 |
| Average total loans | $130,329,330 | 2,906 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 4,125 |
| Cost of funding earning assets | 0.4991% | 2,291 |
| Net interest margin | 3.2723% | 4,339 |
| Noninterest income to average assets | 0.3427% | 4,455 |
| Noninterest expense to average assets | 1.7797% | 5,926 |
| Loan and lease loss provision to assets | 0.0206% | 3,445 |
| Net operating income to assets | 1.6290% | 680 |
| Return on assets (ROA) | 1.6537% | 683 |
| Pretax return on assets | 1.6537% | 1,149 |
| Return on Equity (ROE) | 15.2361% | 680 |
| Retained earnings to average equity (ytd only) | 15.2361% | 268 |
| Net charge-offs to loans | -0.1854% | 6,037 |
| Credit loss provision to net charge-offs | -16.6667% | 4,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8964% | 5,815 |
| Assets per employee ($millions) | 6.1282% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 2,929 |
| Loan loss allowance to noncurrent loans | 264.3072% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 2,746 |
| Noncurrent loans to loans | 0.5289% | 3,986 |
| Net loans and leases to total assets | 65.1573% | 2,905 |
| Net loans and leases to deposits | 74.0966% | 3,300 |
| Net loans and leases to core deposits | 88.1852% | 2,308 |
| Total domestic deposits to total assets | 87.9357% | 1,871 |
| Equity capital to assets | 11.3447% | 2,604 |
| Core capital (leverage) ratio | 10.5191% | 2,936 |
| Tier 1 risk-based capital ratio | 15.6383% | 3,088 |
| Total risk-based capital ratio | 16.8894% | 3,024 |
| Memoranda: | ||
| Average total assets | $193,744,000 | 3,074 |
| Average earning assets | $182,744,000 | 3,033 |
| Average equity | $21,029,000 | 3,133 |
| Average total loans | $129,444,000 | 2,918 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 3,496 |
| Cost of funding earning assets | 0.5359% | 2,327 |
| Net interest margin | 3.5211% | 3,712 |
| Noninterest income to average assets | 0.4082% | 4,124 |
| Noninterest expense to average assets | 1.8420% | 6,014 |
| Loan and lease loss provision to assets | 0.0188% | 4,241 |
| Net operating income to assets | 1.8452% | 432 |
| Return on assets (ROA) | 1.8661% | 428 |
| Pretax return on assets | 1.8672% | 683 |
| Return on Equity (ROE) | 17.9077% | 405 |
| Retained earnings to average equity (ytd only) | 4.2054% | 3,205 |
| Net charge-offs to loans | 0.0062% | 4,799 |
| Credit loss provision to net charge-offs | 437.5000% | 593 |
| Earnings coverage of net charge-offs (x) | 434.6250% | 121 |
| Efficiency ratio | 49.6166% | 6,112 |
| Assets per employee ($millions) | 6.5838% | 1,010 |
| Cash dividends to net income (ytd only)* | 76.5162% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 3,634 |
| Loan loss allowance to noncurrent loans | 391.8605% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 3,240 |
| Noncurrent loans to loans | 0.3225% | 4,685 |
| Net loans and leases to total assets | 66.6616% | 2,778 |
| Net loans and leases to deposits | 74.9841% | 3,315 |
| Net loans and leases to core deposits | 84.0940% | 2,892 |
| Total domestic deposits to total assets | 88.9010% | 1,292 |
| Equity capital to assets | 10.3820% | 3,627 |
| Core capital (leverage) ratio | 10.1992% | 3,310 |
| Tier 1 risk-based capital ratio | 14.2184% | 3,951 |
| Total risk-based capital ratio | 15.4463% | 3,901 |
| Memoranda: | ||
| Average total assets | $186,431,400 | 3,142 |
| Average earning assets | $174,662,000 | 3,103 |
| Average equity | $19,427,400 | 3,225 |
| Average total loans | $128,128,800 | 2,899 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 3,357 |
| Cost of funding earning assets | 0.5410% | 2,365 |
| Net interest margin | 3.5624% | 3,584 |
| Noninterest income to average assets | 0.4131% | 4,152 |
| Noninterest expense to average assets | 1.8156% | 6,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.9332% | 393 |
| Return on assets (ROA) | 1.9615% | 381 |
| Pretax return on assets | 1.9623% | 622 |
| Return on Equity (ROE) | 18.8048% | 371 |
| Retained earnings to average equity (ytd only) | 4.9065% | 3,151 |
| Net charge-offs to loans | 0.0305% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 91.8518% | 631 |
| Efficiency ratio | 48.4221% | 6,180 |
| Assets per employee ($millions) | 6.0570% | 1,293 |
| Cash dividends to net income (ytd only)* | 73.9081% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 3,718 |
| Loan loss allowance to noncurrent loans | 318.7867% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8740% | 3,245 |
| Noncurrent loans to loans | 0.4033% | 4,697 |
| Net loans and leases to total assets | 66.6150% | 2,754 |
| Net loans and leases to deposits | 75.0701% | 3,300 |
| Net loans and leases to core deposits | 85.1146% | 2,761 |
| Total domestic deposits to total assets | 88.7371% | 1,381 |
| Equity capital to assets | 10.5599% | 3,485 |
| Core capital (leverage) ratio | 10.4686% | 3,080 |
| Tier 1 risk-based capital ratio | 14.6590% | 3,781 |
| Total risk-based capital ratio | 15.8899% | 3,735 |
| Memoranda: | ||
| Average total assets | $183,660,750 | 3,199 |
| Average earning assets | $172,017,000 | 3,159 |
| Average equity | $19,157,750 | 3,276 |
| Average total loans | $126,823,250 | 2,937 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,388 |
| Cost of funding earning assets | 0.5376% | 2,460 |
| Net interest margin | 3.5527% | 3,560 |
| Noninterest income to average assets | 0.3972% | 4,263 |
| Noninterest expense to average assets | 1.8169% | 6,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.9365% | 385 |
| Return on assets (ROA) | 1.9792% | 363 |
| Pretax return on assets | 1.9803% | 582 |
| Return on Equity (ROE) | 19.0553% | 358 |
| Retained earnings to average equity (ytd only) | 5.5244% | 2,623 |
| Net charge-offs to loans | 0.0504% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 55.1875% | 861 |
| Efficiency ratio | 48.3928% | 6,270 |
| Assets per employee ($millions) | 6.0109% | 1,268 |
| Cash dividends to net income (ytd only)* | 71.0089% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 3,998 |
| Loan loss allowance to noncurrent loans | 357.3626% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 3,348 |
| Noncurrent loans to loans | 0.3567% | 4,927 |
| Net loans and leases to total assets | 69.8263% | 2,113 |
| Net loans and leases to deposits | 78.9688% | 2,665 |
| Net loans and leases to core deposits | 89.4861% | 2,173 |
| Total domestic deposits to total assets | 88.4226% | 1,671 |
| Equity capital to assets | 10.8132% | 3,073 |
| Core capital (leverage) ratio | 10.4822% | 2,973 |
| Tier 1 risk-based capital ratio | 14.5139% | 3,922 |
| Total risk-based capital ratio | 15.7420% | 3,875 |
| Memoranda: | ||
| Average total assets | $182,292,000 | 3,230 |
| Average earning assets | $172,261,330 | 3,167 |
| Average equity | $18,934,330 | 3,296 |
| Average total loans | $126,861,000 | 2,929 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,756 |
| Cost of funding earning assets | 0.5196% | 2,723 |
| Net interest margin | 3.4641% | 3,844 |
| Noninterest income to average assets | 0.3776% | 4,367 |
| Noninterest expense to average assets | 1.8028% | 6,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8486% | 442 |
| Return on assets (ROA) | 1.8486% | 465 |
| Pretax return on assets | 1.8486% | 728 |
| Return on Equity (ROE) | 18.1643% | 431 |
| Retained earnings to average equity (ytd only) | 18.1643% | 176 |
| Net charge-offs to loans | 0.0285% | 3,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 94.1111% | 476 |
| Efficiency ratio | 49.3724% | 6,295 |
| Assets per employee ($millions) | 6.2073% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 3,851 |
| Loan loss allowance to noncurrent loans | 361.6228% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8427% | 3,619 |
| Noncurrent loans to loans | 0.3731% | 5,007 |
| Net loans and leases to total assets | 66.9850% | 2,401 |
| Net loans and leases to deposits | 78.5677% | 2,478 |
| Net loans and leases to core deposits | 88.3714% | 2,054 |
| Total domestic deposits to total assets | 85.2576% | 3,738 |
| Equity capital to assets | 10.7671% | 2,967 |
| Core capital (leverage) ratio | 11.0961% | 2,304 |
| Tier 1 risk-based capital ratio | 15.1792% | 3,621 |
| Total risk-based capital ratio | 16.4300% | 3,578 |
| Memoranda: | ||
| Average total assets | $183,275,000 | 3,245 |
| Average earning assets | $173,205,000 | 3,177 |
| Average equity | $18,652,000 | 3,328 |
| Average total loans | $126,521,000 | 2,933 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0877% | 3,787 |
| Cost of funding earning assets | 0.5503% | 3,108 |
| Net interest margin | 3.5374% | 3,731 |
| Noninterest income to average assets | 0.4329% | 4,211 |
| Noninterest expense to average assets | 1.8309% | 6,274 |
| Loan and lease loss provision to assets | -0.2833% | 6,666 |
| Net operating income to assets | 2.1919% | 245 |
| Return on assets (ROA) | 2.2083% | 245 |
| Pretax return on assets | 2.2095% | 310 |
| Return on Equity (ROE) | 21.0319% | 233 |
| Retained earnings to average equity (ytd only) | 5.3700% | 2,371 |
| Net charge-offs to loans | -0.0411% | 6,288 |
| Credit loss provision to net charge-offs | 1,000.0000% | 250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9471% | 6,445 |
| Assets per employee ($millions) | 6.2179% | 1,130 |
| Cash dividends to net income (ytd only)* | 74.4675% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 4,310 |
| Loan loss allowance to noncurrent loans | 339.7541% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 3,813 |
| Noncurrent loans to loans | 0.3731% | 5,071 |
| Net loans and leases to total assets | 69.2374% | 2,137 |
| Net loans and leases to deposits | 83.1305% | 2,039 |
| Net loans and leases to core deposits | 93.0605% | 1,672 |
| Total domestic deposits to total assets | 83.2876% | 4,434 |
| Equity capital to assets | 9.6077% | 4,279 |
| Core capital (leverage) ratio | 10.5590% | 2,838 |
| Tier 1 risk-based capital ratio | 13.8722% | 4,381 |
| Total risk-based capital ratio | 15.1025% | 4,338 |
| Memoranda: | ||
| Average total assets | $176,467,000 | 3,316 |
| Average earning assets | $165,008,600 | 3,279 |
| Average equity | $18,529,000 | 3,340 |
| Average total loans | $121,665,400 | 3,006 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,805 |
| Cost of funding earning assets | 0.5571% | 3,191 |
| Net interest margin | 3.5332% | 3,743 |
| Noninterest income to average assets | 0.4269% | 4,323 |
| Noninterest expense to average assets | 1.8097% | 6,327 |
| Loan and lease loss provision to assets | -0.3832% | 6,801 |
| Net operating income to assets | 2.2949% | 218 |
| Return on assets (ROA) | 2.3179% | 220 |
| Pretax return on assets | 2.3194% | 308 |
| Return on Equity (ROE) | 21.5832% | 221 |
| Retained earnings to average equity (ytd only) | 5.0246% | 3,061 |
| Net charge-offs to loans | -0.1206% | 6,539 |
| Credit loss provision to net charge-offs | 462.9630% | 577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6103% | 6,474 |
| Assets per employee ($millions) | 5.9709% | 1,259 |
| Cash dividends to net income (ytd only)* | 76.7197% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4504% | 3,687 |
| Loan loss allowance to noncurrent loans | 280.8511% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9656% | 3,732 |
| Noncurrent loans to loans | 0.5164% | 4,903 |
| Net loans and leases to total assets | 67.3377% | 2,408 |
| Net loans and leases to deposits | 77.9162% | 2,677 |
| Net loans and leases to core deposits | 88.6584% | 2,118 |
| Total domestic deposits to total assets | 86.4233% | 3,008 |
| Equity capital to assets | 10.3374% | 3,461 |
| Core capital (leverage) ratio | 10.7686% | 2,703 |
| Tier 1 risk-based capital ratio | 15.0233% | 3,739 |
| Total risk-based capital ratio | 16.2748% | 3,687 |
| Memoranda: | ||
| Average total assets | $173,949,250 | 3,376 |
| Average earning assets | $162,264,750 | 3,337 |
| Average equity | $18,680,750 | 3,347 |
| Average total loans | $119,378,750 | 3,070 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 3,900 |
| Cost of funding earning assets | 0.5616% | 3,290 |
| Net interest margin | 3.4943% | 3,803 |
| Noninterest income to average assets | 0.4248% | 4,344 |
| Noninterest expense to average assets | 1.8437% | 6,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8299% | 484 |
| Return on assets (ROA) | 1.8644% | 487 |
| Pretax return on assets | 1.8655% | 796 |
| Return on Equity (ROE) | 17.1480% | 542 |
| Retained earnings to average equity (ytd only) | 4.4137% | 3,465 |
| Net charge-offs to loans | -0.2355% | 6,707 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1718% | 6,418 |
| Assets per employee ($millions) | 6.1416% | 1,101 |
| Cash dividends to net income (ytd only)* | 74.2611% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9207% | 2,053 |
| Loan loss allowance to noncurrent loans | 287.2286% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 3,591 |
| Noncurrent loans to loans | 0.6687% | 4,603 |
| Net loans and leases to total assets | 66.7824% | 2,452 |
| Net loans and leases to deposits | 75.3835% | 2,961 |
| Net loans and leases to core deposits | 85.2444% | 2,409 |
| Total domestic deposits to total assets | 88.5902% | 1,858 |
| Equity capital to assets | 10.5974% | 3,177 |
| Core capital (leverage) ratio | 10.6469% | 2,723 |
| Tier 1 risk-based capital ratio | 15.2363% | 3,634 |
| Total risk-based capital ratio | 16.4944% | 3,588 |
| Memoranda: | ||
| Average total assets | $174,213,330 | 3,387 |
| Average earning assets | $162,034,000 | 3,358 |
| Average equity | $18,941,000 | 3,339 |
| Average total loans | $119,733,000 | 3,074 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0410% | 3,949 |
| Cost of funding earning assets | 0.5639% | 3,439 |
| Net interest margin | 3.4772% | 3,799 |
| Noninterest income to average assets | 0.3924% | 4,519 |
| Noninterest expense to average assets | 1.9391% | 6,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6585% | 638 |
| Return on assets (ROA) | 1.7270% | 601 |
| Pretax return on assets | 1.7292% | 1,004 |
| Return on Equity (ROE) | 15.6895% | 651 |
| Retained earnings to average equity (ytd only) | 15.6895% | 305 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8657% | 6,241 |
| Assets per employee ($millions) | 5.8340% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 2,617 |
| Loan loss allowance to noncurrent loans | 109.8489% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.8565% | 2,534 |
| Noncurrent loans to loans | 1.6397% | 3,082 |
| Net loans and leases to total assets | 67.9282% | 2,023 |
| Net loans and leases to deposits | 77.5451% | 2,410 |
| Net loans and leases to core deposits | 88.4528% | 1,857 |
| Total domestic deposits to total assets | 87.5983% | 2,575 |
| Equity capital to assets | 11.6032% | 2,329 |
| Core capital (leverage) ratio | 10.9321% | 2,321 |
| Tier 1 risk-based capital ratio | 15.6885% | 3,433 |
| Total risk-based capital ratio | 16.9449% | 3,394 |
| Memoranda: | ||
| Average total assets | $175,337,000 | 3,404 |
| Average earning assets | $161,740,500 | 3,404 |
| Average equity | $19,299,500 | 3,337 |
| Average total loans | $121,053,500 | 3,066 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3750% | 3,926 |
| Cost of funding earning assets | 0.6865% | 3,601 |
| Net interest margin | 3.6885% | 3,694 |
| Noninterest income to average assets | 0.5522% | 3,562 |
| Noninterest expense to average assets | 1.9270% | 6,459 |
| Loan and lease loss provision to assets | 0.0179% | 5,678 |
| Net operating income to assets | 2.0197% | 345 |
| Return on assets (ROA) | 2.0143% | 378 |
| Pretax return on assets | 2.0155% | 581 |
| Return on Equity (ROE) | 18.2557% | 423 |
| Retained earnings to average equity (ytd only) | 4.9340% | 2,745 |
| Net charge-offs to loans | -0.0128% | 6,504 |
| Credit loss provision to net charge-offs | -200.0000% | 6,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5895% | 6,677 |
| Assets per employee ($millions) | 6.2582% | 1,133 |
| Cash dividends to net income (ytd only)* | 72.9730% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 2,986 |
| Loan loss allowance to noncurrent loans | 120.2510% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 1.6403% | 2,940 |
| Noncurrent loans to loans | 1.4016% | 3,498 |
| Net loans and leases to total assets | 67.7543% | 2,225 |
| Net loans and leases to deposits | 80.0122% | 2,278 |
| Net loans and leases to core deposits | 89.3726% | 1,915 |
| Total domestic deposits to total assets | 84.6800% | 3,998 |
| Equity capital to assets | 10.4514% | 3,584 |
| Core capital (leverage) ratio | 10.0815% | 3,297 |
| Tier 1 risk-based capital ratio | 13.9484% | 4,408 |
| Total risk-based capital ratio | 15.2062% | 4,379 |
| Memoranda: | ||
| Average total assets | $167,150,800 | 3,499 |
| Average earning assets | $154,696,400 | 3,473 |
| Average equity | $18,443,600 | 3,416 |
| Average total loans | $117,107,000 | 3,143 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 3,797 |
| Cost of funding earning assets | 0.7152% | 3,635 |
| Net interest margin | 3.7410% | 3,602 |
| Noninterest income to average assets | 0.5518% | 3,602 |
| Noninterest expense to average assets | 1.9303% | 6,471 |
| Loan and lease loss provision to assets | 0.0245% | 5,482 |
| Net operating income to assets | 2.0745% | 343 |
| Return on assets (ROA) | 2.0778% | 387 |
| Pretax return on assets | 2.0794% | 599 |
| Return on Equity (ROE) | 18.5588% | 436 |
| Retained earnings to average equity (ytd only) | 5.4897% | 3,044 |
| Net charge-offs to loans | -0.0232% | 6,531 |
| Credit loss provision to net charge-offs | -150.0000% | 6,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8868% | 6,726 |
| Assets per employee ($millions) | 5.7322% | 1,430 |
| Cash dividends to net income (ytd only)* | 70.4197% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8467% | 2,656 |
| Loan loss allowance to noncurrent loans | 119.5812% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.7993% | 2,913 |
| Noncurrent loans to loans | 1.5443% | 3,475 |
| Net loans and leases to total assets | 67.5580% | 2,357 |
| Net loans and leases to deposits | 77.0194% | 2,810 |
| Net loans and leases to core deposits | 90.6314% | 1,912 |
| Total domestic deposits to total assets | 87.7156% | 2,216 |
| Equity capital to assets | 11.3652% | 2,884 |
| Core capital (leverage) ratio | 10.5565% | 2,853 |
| Tier 1 risk-based capital ratio | 15.1438% | 3,744 |
| Total risk-based capital ratio | 16.4006% | 3,690 |
| Memoranda: | ||
| Average total assets | $163,566,500 | 3,590 |
| Average earning assets | $152,110,750 | 3,550 |
| Average equity | $18,312,500 | 3,466 |
| Average total loans | $115,115,250 | 3,217 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 3,663 |
| Cost of funding earning assets | 0.7417% | 3,673 |
| Net interest margin | 3.7836% | 3,437 |
| Noninterest income to average assets | 0.5225% | 3,767 |
| Noninterest expense to average assets | 1.9056% | 6,583 |
| Loan and lease loss provision to assets | 0.0369% | 5,213 |
| Net operating income to assets | 2.1036% | 339 |
| Return on assets (ROA) | 2.1257% | 362 |
| Pretax return on assets | 2.1269% | 549 |
| Return on Equity (ROE) | 19.0849% | 410 |
| Retained earnings to average equity (ytd only) | 6.1814% | 2,581 |
| Net charge-offs to loans | 0.1508% | 3,707 |
| Credit loss provision to net charge-offs | 34.4828% | 4,366 |
| Earnings coverage of net charge-offs (x) | 20.0230% | 1,409 |
| Efficiency ratio | 47.0838% | 6,828 |
| Assets per employee ($millions) | 5.8326% | 1,343 |
| Cash dividends to net income (ytd only)* | 67.6113% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 3,083 |
| Loan loss allowance to noncurrent loans | 263.6005% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 1.4022% | 3,622 |
| Noncurrent loans to loans | 0.6587% | 5,187 |
| Net loans and leases to total assets | 69.5099% | 2,008 |
| Net loans and leases to deposits | 79.2718% | 2,488 |
| Net loans and leases to core deposits | 90.5796% | 1,921 |
| Total domestic deposits to total assets | 87.6855% | 2,345 |
| Equity capital to assets | 11.3384% | 2,744 |
| Core capital (leverage) ratio | 10.4690% | 2,835 |
| Tier 1 risk-based capital ratio | 14.8473% | 3,863 |
| Total risk-based capital ratio | 16.1105% | 3,815 |
| Memoranda: | ||
| Average total assets | $162,677,000 | 3,620 |
| Average earning assets | $151,550,670 | 3,570 |
| Average equity | $18,119,000 | 3,480 |
| Average total loans | $115,347,670 | 3,229 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 3,767 |
| Cost of funding earning assets | 0.7655% | 3,742 |
| Net interest margin | 3.7719% | 3,510 |
| Noninterest income to average assets | 0.4755% | 4,102 |
| Noninterest expense to average assets | 1.9635% | 6,530 |
| Loan and lease loss provision to assets | 0.0739% | 4,476 |
| Net operating income to assets | 1.9438% | 466 |
| Return on assets (ROA) | 1.9438% | 533 |
| Pretax return on assets | 1.9463% | 810 |
| Return on Equity (ROE) | 17.6116% | 594 |
| Retained earnings to average equity (ytd only) | 17.6116% | 277 |
| Net charge-offs to loans | 0.3019% | 2,454 |
| Credit loss provision to net charge-offs | 34.4828% | 3,546 |
| Earnings coverage of net charge-offs (x) | 9.4253% | 1,844 |
| Efficiency ratio | 49.2888% | 6,722 |
| Assets per employee ($millions) | 5.8105% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 3,067 |
| Loan loss allowance to noncurrent loans | 250.1247% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 3,926 |
| Noncurrent loans to loans | 0.7105% | 5,241 |
| Net loans and leases to total assets | 68.1492% | 2,086 |
| Net loans and leases to deposits | 78.2064% | 2,470 |
| Net loans and leases to core deposits | 89.4679% | 1,906 |
| Total domestic deposits to total assets | 87.1402% | 2,868 |
| Equity capital to assets | 11.2783% | 2,643 |
| Core capital (leverage) ratio | 10.8147% | 2,429 |
| Tier 1 risk-based capital ratio | 15.8463% | 3,249 |
| Total risk-based capital ratio | 17.1120% | 3,216 |
| Memoranda: | ||
| Average total assets | $162,359,500 | 3,644 |
| Average earning assets | $151,010,000 | 3,597 |
| Average equity | $17,920,000 | 3,515 |
| Average total loans | $115,259,500 | 3,247 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9786% | 2,980 |
| Cost of funding earning assets | 1.0492% | 3,025 |
| Net interest margin | 3.9295% | 3,210 |
| Noninterest income to average assets | 0.5072% | 3,797 |
| Noninterest expense to average assets | 2.2163% | 6,238 |
| Loan and lease loss provision to assets | 0.3103% | 3,186 |
| Net operating income to assets | 1.6213% | 639 |
| Return on assets (ROA) | 1.7254% | 568 |
| Pretax return on assets | 1.7266% | 937 |
| Return on Equity (ROE) | 16.6586% | 513 |
| Retained earnings to average equity (ytd only) | 8.1780% | 1,022 |
| Net charge-offs to loans | 0.5087% | 2,958 |
| Credit loss provision to net charge-offs | 83.7563% | 4,286 |
| Earnings coverage of net charge-offs (x) | 5.2166% | 2,864 |
| Efficiency ratio | 52.8558% | 6,625 |
| Assets per employee ($millions) | 5.5871% | 1,546 |
| Cash dividends to net income (ytd only)* | 50.9084% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 3,008 |
| Loan loss allowance to noncurrent loans | 174.5347% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.7855% | 3,272 |
| Noncurrent loans to loans | 1.0048% | 4,696 |
| Net loans and leases to total assets | 71.3318% | 1,762 |
| Net loans and leases to deposits | 81.4414% | 2,284 |
| Net loans and leases to core deposits | 93.3435% | 1,764 |
| Total domestic deposits to total assets | 87.5866% | 2,418 |
| Equity capital to assets | 10.7952% | 3,198 |
| Core capital (leverage) ratio | 10.3541% | 2,906 |
| Tier 1 risk-based capital ratio | 14.2367% | 4,155 |
| Total risk-based capital ratio | 15.5010% | 4,106 |
| Memoranda: | ||
| Average total assets | $159,499,800 | 3,638 |
| Average earning assets | $147,832,000 | 3,608 |
| Average equity | $16,520,000 | 3,649 |
| Average total loans | $116,178,200 | 3,249 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0479% | 2,848 |
| Cost of funding earning assets | 1.1056% | 2,940 |
| Net interest margin | 3.9423% | 3,182 |
| Noninterest income to average assets | 0.5077% | 3,809 |
| Noninterest expense to average assets | 2.2718% | 6,114 |
| Loan and lease loss provision to assets | 0.3693% | 2,643 |
| Net operating income to assets | 1.5190% | 896 |
| Return on assets (ROA) | 1.6542% | 768 |
| Pretax return on assets | 1.6558% | 1,241 |
| Return on Equity (ROE) | 16.1448% | 663 |
| Retained earnings to average equity (ytd only) | 8.4533% | 1,333 |
| Net charge-offs to loans | 0.2003% | 4,198 |
| Credit loss provision to net charge-offs | 252.8736% | 1,134 |
| Earnings coverage of net charge-offs (x) | 12.9428% | 1,660 |
| Efficiency ratio | 53.8012% | 6,510 |
| Assets per employee ($millions) | 5.6728% | 1,441 |
| Cash dividends to net income (ytd only)* | 47.6409% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 1,937 |
| Loan loss allowance to noncurrent loans | 142.3958% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 2.5724% | 2,507 |
| Noncurrent loans to loans | 1.5185% | 4,004 |
| Net loans and leases to total assets | 69.0794% | 2,261 |
| Net loans and leases to deposits | 79.0082% | 2,812 |
| Net loans and leases to core deposits | 91.0113% | 2,117 |
| Total domestic deposits to total assets | 87.4332% | 2,389 |
| Equity capital to assets | 10.7902% | 3,377 |
| Core capital (leverage) ratio | 10.4512% | 2,927 |
| Tier 1 risk-based capital ratio | 14.5952% | 3,908 |
| Total risk-based capital ratio | 15.8647% | 3,868 |
| Memoranda: | ||
| Average total assets | $158,868,250 | 3,671 |
| Average earning assets | $147,253,000 | 3,643 |
| Average equity | $16,277,250 | 3,694 |
| Average total loans | $115,813,000 | 3,284 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 2,941 |
| Cost of funding earning assets | 1.1518% | 2,889 |
| Net interest margin | 3.8953% | 3,329 |
| Noninterest income to average assets | 0.5375% | 3,579 |
| Noninterest expense to average assets | 2.3313% | 6,049 |
| Loan and lease loss provision to assets | 0.4154% | 2,352 |
| Net operating income to assets | 1.4124% | 1,052 |
| Return on assets (ROA) | 1.5458% | 862 |
| Pretax return on assets | 1.5471% | 1,382 |
| Return on Equity (ROE) | 15.3596% | 739 |
| Retained earnings to average equity (ytd only) | 9.3308% | 1,003 |
| Net charge-offs to loans | 0.2649% | 3,564 |
| Credit loss provision to net charge-offs | 212.9032% | 1,412 |
| Earnings coverage of net charge-offs (x) | 9.3742% | 1,932 |
| Efficiency ratio | 55.0378% | 6,502 |
| Assets per employee ($millions) | 5.4609% | 1,605 |
| Cash dividends to net income (ytd only)* | 39.2508% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0150% | 2,326 |
| Loan loss allowance to noncurrent loans | 94.1889% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 2.7392% | 2,442 |
| Noncurrent loans to loans | 2.1393% | 3,300 |
| Net loans and leases to total assets | 71.6680% | 1,851 |
| Net loans and leases to deposits | 81.7861% | 2,483 |
| Net loans and leases to core deposits | 94.1962% | 1,874 |
| Total domestic deposits to total assets | 87.6286% | 2,380 |
| Equity capital to assets | 10.4335% | 3,603 |
| Core capital (leverage) ratio | 10.1433% | 3,093 |
| Tier 1 risk-based capital ratio | 14.1115% | 4,092 |
| Total risk-based capital ratio | 15.3798% | 4,047 |
| Memoranda: | ||
| Average total assets | $158,878,000 | 3,699 |
| Average earning assets | $147,767,330 | 3,657 |
| Average equity | $15,990,000 | 3,737 |
| Average total loans | $117,034,000 | 3,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 2,899 |
| Cost of funding earning assets | 1.2038% | 2,786 |
| Net interest margin | 3.8382% | 3,428 |
| Noninterest income to average assets | 0.5203% | 3,727 |
| Noninterest expense to average assets | 2.2019% | 6,419 |
| Loan and lease loss provision to assets | 0.4147% | 2,117 |
| Net operating income to assets | 1.4755% | 920 |
| Return on assets (ROA) | 1.4152% | 1,075 |
| Pretax return on assets | 1.4177% | 1,677 |
| Return on Equity (ROE) | 14.3225% | 932 |
| Retained earnings to average equity (ytd only) | 14.3225% | 448 |
| Net charge-offs to loans | 0.5577% | 2,099 |
| Credit loss provision to net charge-offs | 100.6098% | 2,626 |
| Earnings coverage of net charge-offs (x) | 4.5915% | 2,436 |
| Efficiency ratio | 52.7317% | 6,807 |
| Assets per employee ($millions) | 5.5947% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8915% | 2,719 |
| Loan loss allowance to noncurrent loans | 81.5402% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 2.8879% | 2,391 |
| Noncurrent loans to loans | 2.3198% | 3,168 |
| Net loans and leases to total assets | 71.5171% | 1,809 |
| Net loans and leases to deposits | 81.9782% | 2,368 |
| Net loans and leases to core deposits | 94.7000% | 1,805 |
| Total domestic deposits to total assets | 87.2392% | 2,803 |
| Equity capital to assets | 10.2520% | 3,467 |
| Core capital (leverage) ratio | 10.0277% | 3,110 |
| Tier 1 risk-based capital ratio | 14.0237% | 4,058 |
| Total risk-based capital ratio | 15.2901% | 4,028 |
| Memoranda: | ||
| Average total assets | $159,134,500 | 3,722 |
| Average earning assets | $148,193,500 | 3,676 |
| Average equity | $15,723,500 | 3,772 |
| Average total loans | $117,635,500 | 3,296 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 3,395 |
| Cost of funding earning assets | 1.4877% | 2,718 |
| Net interest margin | 3.7558% | 4,127 |
| Noninterest income to average assets | 0.3768% | 5,084 |
| Noninterest expense to average assets | 2.2128% | 6,584 |
| Loan and lease loss provision to assets | 0.2132% | 5,126 |
| Net operating income to assets | 1.4114% | 923 |
| Return on assets (ROA) | 1.4083% | 1,009 |
| Pretax return on assets | 1.4095% | 1,638 |
| Return on Equity (ROE) | 15.0575% | 708 |
| Retained earnings to average equity (ytd only) | 12.1747% | 262 |
| Net charge-offs to loans | 0.2411% | 4,837 |
| Credit loss provision to net charge-offs | 123.1884% | 3,374 |
| Earnings coverage of net charge-offs (x) | 9.3949% | 1,829 |
| Efficiency ratio | 56.5501% | 6,516 |
| Assets per employee ($millions) | 5.7720% | 1,378 |
| Cash dividends to net income (ytd only)* | 19.1451% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 2,917 |
| Loan loss allowance to noncurrent loans | 78.4806% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 2.9149% | 2,403 |
| Noncurrent loans to loans | 2.2721% | 3,251 |
| Net loans and leases to total assets | 73.5807% | 1,750 |
| Net loans and leases to deposits | 86.2150% | 2,055 |
| Net loans and leases to core deposits | 97.1687% | 1,874 |
| Total domestic deposits to total assets | 85.3456% | 3,694 |
| Equity capital to assets | 9.5207% | 4,381 |
| Core capital (leverage) ratio | 9.5734% | 3,596 |
| Tier 1 risk-based capital ratio | 12.7603% | 4,810 |
| Total risk-based capital ratio | 14.0197% | 4,766 |
| Memoranda: | ||
| Average total assets | $159,484,600 | 3,705 |
| Average earning assets | $147,001,200 | 3,686 |
| Average equity | $14,916,200 | 3,955 |
| Average total loans | $114,474,200 | 3,441 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 3,480 |
| Cost of funding earning assets | 1.5449% | 2,704 |
| Net interest margin | 3.7272% | 4,280 |
| Noninterest income to average assets | 0.3708% | 5,191 |
| Noninterest expense to average assets | 2.2698% | 6,409 |
| Loan and lease loss provision to assets | 0.1887% | 5,157 |
| Net operating income to assets | 1.3387% | 1,258 |
| Return on assets (ROA) | 1.3966% | 1,184 |
| Pretax return on assets | 1.3983% | 1,882 |
| Return on Equity (ROE) | 15.0011% | 854 |
| Retained earnings to average equity (ytd only) | 13.0641% | 344 |
| Net charge-offs to loans | -0.2281% | 7,632 |
| Credit loss provision to net charge-offs | -116.5803% | 6,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6443% | 6,170 |
| Assets per employee ($millions) | 5.5378% | 1,597 |
| Cash dividends to net income (ytd only)* | 12.9130% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2021% | 1,802 |
| Loan loss allowance to noncurrent loans | 63.6847% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 4.2003% | 1,634 |
| Noncurrent loans to loans | 3.4579% | 2,301 |
| Net loans and leases to total assets | 71.9752% | 2,253 |
| Net loans and leases to deposits | 82.5138% | 3,010 |
| Net loans and leases to core deposits | 93.0452% | 2,656 |
| Total domestic deposits to total assets | 87.2281% | 2,411 |
| Equity capital to assets | 9.9988% | 4,159 |
| Core capital (leverage) ratio | 9.6580% | 3,677 |
| Tier 1 risk-based capital ratio | 13.0541% | 4,538 |
| Total risk-based capital ratio | 14.3242% | 4,497 |
| Memoranda: | ||
| Average total assets | $158,951,500 | 3,777 |
| Average earning assets | $146,200,250 | 3,746 |
| Average equity | $14,798,500 | 4,033 |
| Average total loans | $112,823,250 | 3,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 3,625 |
| Cost of funding earning assets | 1.5812% | 2,762 |
| Net interest margin | 3.6836% | 4,437 |
| Noninterest income to average assets | 0.5030% | 4,096 |
| Noninterest expense to average assets | 2.3027% | 6,344 |
| Loan and lease loss provision to assets | 0.2808% | 4,157 |
| Net operating income to assets | 1.2967% | 1,318 |
| Return on assets (ROA) | 1.3966% | 1,163 |
| Pretax return on assets | 1.3978% | 1,845 |
| Return on Equity (ROE) | 15.3674% | 793 |
| Retained earnings to average equity (ytd only) | 15.3674% | 223 |
| Net charge-offs to loans | -0.3292% | 7,699 |
| Credit loss provision to net charge-offs | -121.6216% | 6,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2637% | 6,342 |
| Assets per employee ($millions) | 5.7606% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2746% | 1,631 |
| Loan loss allowance to noncurrent loans | 81.9163% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 3.9142% | 1,767 |
| Noncurrent loans to loans | 2.7768% | 2,883 |
| Net loans and leases to total assets | 69.1947% | 3,088 |
| Net loans and leases to deposits | 80.2718% | 3,554 |
| Net loans and leases to core deposits | 92.4596% | 2,927 |
| Total domestic deposits to total assets | 86.2005% | 2,973 |
| Equity capital to assets | 9.8042% | 4,255 |
| Core capital (leverage) ratio | 9.0895% | 4,475 |
| Tier 1 risk-based capital ratio | 13.0608% | 4,390 |
| Total risk-based capital ratio | 14.3232% | 4,335 |
| Memoranda: | ||
| Average total assets | $160,249,000 | 3,785 |
| Average earning assets | $146,975,670 | 3,765 |
| Average equity | $14,563,330 | 4,076 |
| Average total loans | $112,392,000 | 3,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 4,557 |
| Cost of funding earning assets | 1.5567% | 3,224 |
| Net interest margin | 3.5375% | 5,007 |
| Noninterest income to average assets | 0.5092% | 3,980 |
| Noninterest expense to average assets | 2.3099% | 6,348 |
| Loan and lease loss provision to assets | 0.3813% | 3,075 |
| Net operating income to assets | 1.0578% | 1,975 |
| Return on assets (ROA) | 1.2521% | 1,476 |
| Pretax return on assets | 1.2546% | 2,195 |
| Return on Equity (ROE) | 14.3174% | 993 |
| Retained earnings to average equity (ytd only) | 14.3174% | 470 |
| Net charge-offs to loans | 0.2607% | 3,370 |
| Credit loss provision to net charge-offs | 209.4595% | 1,778 |
| Earnings coverage of net charge-offs (x) | 7.9189% | 2,019 |
| Efficiency ratio | 60.4590% | 6,088 |
| Assets per employee ($millions) | 5.6951% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 2,248 |
| Loan loss allowance to noncurrent loans | 61.9237% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 4.1746% | 1,629 |
| Noncurrent loans to loans | 3.1944% | 2,498 |
| Net loans and leases to total assets | 67.6207% | 3,480 |
| Net loans and leases to deposits | 78.1977% | 4,004 |
| Net loans and leases to core deposits | 88.5478% | 3,560 |
| Total domestic deposits to total assets | 86.4740% | 2,909 |
| Equity capital to assets | 9.0102% | 5,262 |
| Core capital (leverage) ratio | 8.7466% | 4,945 |
| Tier 1 risk-based capital ratio | 12.5660% | 4,678 |
| Total risk-based capital ratio | 13.8277% | 4,633 |
| Memoranda: | ||
| Average total assets | $162,606,000 | 3,788 |
| Average earning assets | $149,033,500 | 3,772 |
| Average equity | $14,220,500 | 4,190 |
| Average total loans | $113,524,500 | 3,606 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 3,828 |
| Cost of funding earning assets | 1.8170% | 3,899 |
| Net interest margin | 3.7408% | 3,951 |
| Noninterest income to average assets | 0.5198% | 4,263 |
| Noninterest expense to average assets | 2.1509% | 7,083 |
| Loan and lease loss provision to assets | 1.5983% | 1,430 |
| Net operating income to assets | 0.2639% | 4,668 |
| Return on assets (ROA) | 0.4727% | 3,952 |
| Pretax return on assets | 0.4739% | 4,269 |
| Return on Equity (ROE) | 5.5162% | 3,416 |
| Retained earnings to average equity (ytd only) | 2.9063% | 3,140 |
| Net charge-offs to loans | 1.8135% | 1,377 |
| Credit loss provision to net charge-offs | 119.9442% | 4,469 |
| Earnings coverage of net charge-offs (x) | 1.3984% | 4,734 |
| Efficiency ratio | 52.5463% | 7,346 |
| Assets per employee ($millions) | 5.9196% | 1,305 |
| Cash dividends to net income (ytd only)* | 47.3132% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,584 |
| Loan loss allowance to noncurrent loans | 56.3778% | 4,620 |
| Noncurrent assets plus other real estate owned to assets | 4.1382% | 1,580 |
| Noncurrent loans to loans | 3.1749% | 2,411 |
| Net loans and leases to total assets | 69.3506% | 3,407 |
| Net loans and leases to deposits | 81.4322% | 3,708 |
| Net loans and leases to core deposits | 97.1805% | 4,328 |
| Total domestic deposits to total assets | 85.1637% | 3,476 |
| Equity capital to assets | 8.4905% | 5,893 |
| Core capital (leverage) ratio | 8.3336% | 5,552 |
| Tier 1 risk-based capital ratio | 11.4753% | 5,413 |
| Total risk-based capital ratio | 12.7318% | 5,375 |
| Memoranda: | ||
| Average total assets | $161,422,600 | 3,743 |
| Average earning assets | $150,797,000 | 3,698 |
| Average equity | $13,832,000 | 4,307 |
| Average total loans | $118,608,600 | 3,509 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6386% | 3,644 |
| Cost of funding earning assets | 1.9020% | 3,878 |
| Net interest margin | 3.7366% | 3,926 |
| Noninterest income to average assets | 0.5072% | 4,425 |
| Noninterest expense to average assets | 1.9716% | 7,437 |
| Loan and lease loss provision to assets | 1.8543% | 1,002 |
| Net operating income to assets | 0.1904% | 5,192 |
| Return on assets (ROA) | 0.4158% | 4,434 |
| Pretax return on assets | 0.4174% | 4,751 |
| Return on Equity (ROE) | 4.8407% | 4,034 |
| Retained earnings to average equity (ytd only) | 3.4272% | 3,378 |
| Net charge-offs to loans | 1.4498% | 1,426 |
| Credit loss provision to net charge-offs | 172.3338% | 2,690 |
| Earnings coverage of net charge-offs (x) | 1.9019% | 4,384 |
| Efficiency ratio | 48.0339% | 7,663 |
| Assets per employee ($millions) | 5.3910% | 1,716 |
| Cash dividends to net income (ytd only)* | 29.1997% | 2,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2301% | 1,374 |
| Loan loss allowance to noncurrent loans | 44.3044% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 4.8375% | 1,221 |
| Noncurrent loans to loans | 5.0336% | 1,301 |
| Net loans and leases to total assets | 72.9660% | 2,804 |
| Net loans and leases to deposits | 86.3341% | 3,250 |
| Net loans and leases to core deposits | 104.5131% | 3,871 |
| Total domestic deposits to total assets | 84.5158% | 3,470 |
| Equity capital to assets | 8.9459% | 5,563 |
| Core capital (leverage) ratio | 8.3850% | 5,686 |
| Tier 1 risk-based capital ratio | 11.3636% | 5,577 |
| Total risk-based capital ratio | 12.6333% | 5,495 |
| Memoranda: | ||
| Average total assets | $160,341,000 | 3,789 |
| Average earning assets | $150,648,500 | 3,712 |
| Average equity | $13,771,750 | 4,344 |
| Average total loans | $119,000,000 | 3,533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6438% | 3,851 |
| Cost of funding earning assets | 1.9106% | 4,211 |
| Net interest margin | 3.7332% | 3,813 |
| Noninterest income to average assets | 0.4899% | 4,534 |
| Noninterest expense to average assets | 1.9385% | 7,572 |
| Loan and lease loss provision to assets | 1.8308% | 902 |
| Net operating income to assets | 0.2363% | 5,140 |
| Return on assets (ROA) | 0.4268% | 4,505 |
| Pretax return on assets | 0.4280% | 4,852 |
| Return on Equity (ROE) | 5.0364% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.0364% | 2,485 |
| Net charge-offs to loans | 2.0021% | 925 |
| Credit loss provision to net charge-offs | 123.4362% | 3,766 |
| Earnings coverage of net charge-offs (x) | 1.3945% | 4,483 |
| Efficiency ratio | 47.3603% | 7,792 |
| Assets per employee ($millions) | 5.7626% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 2,549 |
| Loan loss allowance to noncurrent loans | 43.1134% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.4235% | 1,826 |
| Noncurrent loans to loans | 3.8153% | 1,793 |
| Net loans and leases to total assets | 72.1519% | 3,179 |
| Net loans and leases to deposits | 85.0066% | 3,729 |
| Net loans and leases to core deposits | 99.2388% | 4,579 |
| Total domestic deposits to total assets | 84.8780% | 3,323 |
| Equity capital to assets | 8.6580% | 5,812 |
| Core capital (leverage) ratio | 8.4590% | 5,513 |
| Tier 1 risk-based capital ratio | 11.3761% | 5,524 |
| Total risk-based capital ratio | 12.6063% | 5,452 |
| Memoranda: | ||
| Average total assets | $161,674,670 | 3,789 |
| Average earning assets | $152,309,330 | 3,699 |
| Average equity | $13,700,330 | 4,370 |
| Average total loans | $119,774,330 | 3,539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6315% | 4,168 |
| Cost of funding earning assets | 2.0266% | 4,001 |
| Net interest margin | 3.6049% | 4,299 |
| Noninterest income to average assets | 0.5116% | 4,215 |
| Noninterest expense to average assets | 1.8068% | 7,692 |
| Loan and lease loss provision to assets | 0.6921% | 1,823 |
| Net operating income to assets | 1.4088% | 1,119 |
| Return on assets (ROA) | 1.6090% | 845 |
| Pretax return on assets | 1.6115% | 1,375 |
| Return on Equity (ROE) | 19.1958% | 488 |
| Retained earnings to average equity (ytd only) | 19.1958% | 190 |
| Net charge-offs to loans | 0.0797% | 4,380 |
| Credit loss provision to net charge-offs | 1,166.6667% | 544 |
| Earnings coverage of net charge-offs (x) | 35.4583% | 938 |
| Efficiency ratio | 45.1327% | 7,884 |
| Assets per employee ($millions) | 5.6710% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6043% | 2,498 |
| Loan loss allowance to noncurrent loans | 43.9214% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 3.2729% | 1,681 |
| Noncurrent loans to loans | 3.6527% | 1,716 |
| Net loans and leases to total assets | 74.2363% | 2,698 |
| Net loans and leases to deposits | 90.1546% | 2,904 |
| Net loans and leases to core deposits | 99.1822% | 4,623 |
| Total domestic deposits to total assets | 82.3432% | 4,423 |
| Equity capital to assets | 8.7884% | 5,641 |
| Core capital (leverage) ratio | 8.5434% | 5,445 |
| Tier 1 risk-based capital ratio | 11.3795% | 5,522 |
| Total risk-based capital ratio | 12.6339% | 5,421 |
| Memoranda: | ||
| Average total assets | $161,835,000 | 3,799 |
| Average earning assets | $152,569,500 | 3,703 |
| Average equity | $13,565,500 | 4,430 |
| Average total loans | $120,478,000 | 3,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4916% | 3,001 |
| Cost of funding earning assets | 2.8451% | 2,498 |
| Net interest margin | 3.6465% | 4,694 |
| Noninterest income to average assets | 0.5635% | 4,125 |
| Noninterest expense to average assets | 4.0898% | 1,296 |
| Loan and lease loss provision to assets | 0.3416% | 3,657 |
| Net operating income to assets | -0.4356% | 6,859 |
| Return on assets (ROA) | -0.4651% | 6,773 |
| Pretax return on assets | -0.4638% | 6,624 |
| Return on Equity (ROE) | -5.4379% | 6,908 |
| Retained earnings to average equity (ytd only) | -20.1539% | 7,682 |
| Net charge-offs to loans | 0.2133% | 4,079 |
| Credit loss provision to net charge-offs | 219.7581% | 2,184 |
| Earnings coverage of net charge-offs (x) | -0.5968% | 6,511 |
| Efficiency ratio | 101.2702% | 935 |
| Assets per employee ($millions) | 6.1067% | 1,080 |
| Cash dividends to net income (ytd only)* | -270.6199% | 8,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 3,333 |
| Loan loss allowance to noncurrent loans | 35.7434% | 6,357 |
| Noncurrent assets plus other real estate owned to assets | 3.1732% | 1,439 |
| Noncurrent loans to loans | 3.8471% | 1,289 |
| Net loans and leases to total assets | 72.4698% | 3,490 |
| Net loans and leases to deposits | 84.7831% | 4,294 |
| Net loans and leases to core deposits | 92.0804% | 5,631 |
| Total domestic deposits to total assets | 85.4768% | 2,637 |
| Equity capital to assets | 7.9912% | 6,854 |
| Core capital (leverage) ratio | 7.9930% | 6,505 |
| Tier 1 risk-based capital ratio | 10.5734% | 6,135 |
| Total risk-based capital ratio | 11.8248% | 6,034 |
| Memoranda: | ||
| Average total assets | $159,542,600 | 3,724 |
| Average earning assets | $150,225,400 | 3,653 |
| Average equity | $13,645,000 | 4,414 |
| Average total loans | $116,289,400 | 3,539 |