Home > First Federal Bank > Performance and Condition Ratios
First Federal Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 2,865 |
| Cost of funding earning assets | 1.6512% | 3,058 |
| Net interest margin | 3.4854% | 2,113 |
| Noninterest income to average assets | 0.4600% | 2,109 |
| Noninterest expense to average assets | 2.1502% | 3,256 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.4752% | 944 |
| Return on assets (ROA) | 1.4743% | 948 |
| Pretax return on assets | 1.5840% | 1,140 |
| Return on Equity (ROE) | 14.4700% | 1,031 |
| Retained earnings to average equity (ytd only) | 5.5109% | 2,019 |
| Net charge-offs to loans | 0.0003% | 3,080 |
| Credit loss provision to net charge-offs | -950.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | 7,925.5000% | 13 |
| Efficiency ratio | 56.4820% | 3,512 |
| Assets per employee ($millions) | 5.9888% | 2,888 |
| Cash dividends to net income (ytd only)* | 61.9195% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 312 |
| Loan loss allowance to noncurrent loans | 373.0022% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 1,935 |
| Noncurrent loans to loans | 0.5637% | 1,669 |
| Net loans and leases to total assets | 57.3100% | 3,166 |
| Net loans and leases to deposits | 65.2381% | 3,267 |
| Net loans and leases to core deposits | 74.7079% | 3,112 |
| Total domestic deposits to total assets | 87.8400% | 1,576 |
| Equity capital to assets | 10.5710% | 1,789 |
| Core capital (leverage) ratio | 10.7240% | 2,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $985,866,800 | 1,022 |
| Average earning assets | $932,569,400 | 997 |
| Average equity | $100,438,200 | 1,015 |
| Average total loans | $579,320,000 | 1,164 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 3,152 |
| Cost of funding earning assets | 1.6447% | 3,069 |
| Net interest margin | 3.2823% | 2,487 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 2.0778% | 3,382 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.3693% | 1,167 |
| Return on assets (ROA) | 1.3680% | 1,177 |
| Pretax return on assets | 1.4707% | 1,359 |
| Return on Equity (ROE) | 13.5600% | 1,240 |
| Retained earnings to average equity (ytd only) | 4.5183% | 2,653 |
| Net charge-offs to loans | 0.0457% | 1,453 |
| Credit loss provision to net charge-offs | -9.5477% | 4,334 |
| Earnings coverage of net charge-offs (x) | 55.8844% | 1,146 |
| Efficiency ratio | 57.2625% | 3,433 |
| Assets per employee ($millions) | 6.0831% | 2,799 |
| Cash dividends to net income (ytd only)* | 66.6667% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 336 |
| Loan loss allowance to noncurrent loans | 1,180.9335% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 3,011 |
| Noncurrent loans to loans | 0.1767% | 2,842 |
| Net loans and leases to total assets | 56.2800% | 3,240 |
| Net loans and leases to deposits | 63.8814% | 3,370 |
| Net loans and leases to core deposits | 72.7117% | 3,257 |
| Total domestic deposits to total assets | 88.1000% | 1,214 |
| Equity capital to assets | 10.4215% | 2,027 |
| Core capital (leverage) ratio | 10.5300% | 2,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $986,791,000 | 1,018 |
| Average earning assets | $933,749,000 | 999 |
| Average equity | $99,591,500 | 1,018 |
| Average total loans | $580,411,750 | 1,150 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,158 |
| Cost of funding earning assets | 1.6144% | 3,045 |
| Net interest margin | 3.2560% | 2,520 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 2.1133% | 3,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3372% | 1,197 |
| Return on assets (ROA) | 1.3378% | 1,206 |
| Pretax return on assets | 1.4409% | 1,395 |
| Return on Equity (ROE) | 13.4000% | 1,285 |
| Retained earnings to average equity (ytd only) | 4.2504% | 2,622 |
| Net charge-offs to loans | -0.0038% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 58.6516% | 3,336 |
| Assets per employee ($millions) | 5.8655% | 2,909 |
| Cash dividends to net income (ytd only)* | 68.2853% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 346 |
| Loan loss allowance to noncurrent loans | 2,861.3208% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 3,382 |
| Noncurrent loans to loans | 0.0728% | 3,297 |
| Net loans and leases to total assets | 57.8400% | 3,130 |
| Net loans and leases to deposits | 65.3504% | 3,290 |
| Net loans and leases to core deposits | 73.3716% | 3,200 |
| Total domestic deposits to total assets | 88.5100% | 1,158 |
| Equity capital to assets | 10.0697% | 2,029 |
| Core capital (leverage) ratio | 10.3366% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $985,208,333 | 1,020 |
| Average earning assets | $931,993,000 | 995 |
| Average equity | $98,344,333 | 1,019 |
| Average total loans | $583,900,667 | 1,149 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 3,524 |
| Cost of funding earning assets | 1.5640% | 3,052 |
| Net interest margin | 3.0365% | 2,909 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 1.9243% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2900% | 1,257 |
| Return on assets (ROA) | 1.2904% | 1,263 |
| Pretax return on assets | 1.3980% | 1,439 |
| Return on Equity (ROE) | 12.9800% | 1,344 |
| Retained earnings to average equity (ytd only) | 3.7915% | 2,767 |
| Net charge-offs to loans | 0.0048% | 1,954 |
| Credit loss provision to net charge-offs | 171.4286% | 885 |
| Earnings coverage of net charge-offs (x) | 493.4286% | 200 |
| Efficiency ratio | 57.0121% | 3,516 |
| Assets per employee ($millions) | 6.1473% | 2,720 |
| Cash dividends to net income (ytd only)* | 70.7992% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0644% | 347 |
| Loan loss allowance to noncurrent loans | 1,204.2744% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 2,948 |
| Noncurrent loans to loans | 0.1714% | 2,764 |
| Net loans and leases to total assets | 58.0700% | 3,048 |
| Net loans and leases to deposits | 65.5365% | 3,196 |
| Net loans and leases to core deposits | 73.2763% | 3,145 |
| Total domestic deposits to total assets | 88.6100% | 1,224 |
| Equity capital to assets | 9.9191% | 2,063 |
| Core capital (leverage) ratio | 10.3797% | 2,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $985,109,000 | 1,025 |
| Average earning assets | $931,996,500 | 993 |
| Average equity | $97,902,500 | 1,016 |
| Average total loans | $584,795,500 | 1,146 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3111% | 3,426 |
| Cost of funding earning assets | 1.0796% | 3,115 |
| Net interest margin | 3.2315% | 2,791 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.7679% | 4,041 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.4567% | 1,102 |
| Return on assets (ROA) | 1.4459% | 1,094 |
| Pretax return on assets | 1.5632% | 1,305 |
| Return on Equity (ROE) | 15.3800% | 1,213 |
| Retained earnings to average equity (ytd only) | 6.2154% | 2,167 |
| Net charge-offs to loans | -0.0273% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.6084% | 4,008 |
| Assets per employee ($millions) | 5.8713% | 2,931 |
| Cash dividends to net income (ytd only)* | 59.5989% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0782% | 333 |
| Loan loss allowance to noncurrent loans | 2,739.8190% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,292 |
| Noncurrent loans to loans | 0.0759% | 3,180 |
| Net loans and leases to total assets | 58.2000% | 3,020 |
| Net loans and leases to deposits | 65.7574% | 3,184 |
| Net loans and leases to core deposits | 74.4177% | 3,054 |
| Total domestic deposits to total assets | 88.5000% | 1,207 |
| Equity capital to assets | 9.9576% | 2,035 |
| Core capital (leverage) ratio | 10.3122% | 2,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $986,365,600 | 999 |
| Average earning assets | $932,547,000 | 972 |
| Average equity | $92,705,200 | 1,005 |
| Average total loans | $561,416,800 | 1,131 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 3,468 |
| Cost of funding earning assets | 0.9627% | 3,128 |
| Net interest margin | 3.2350% | 2,835 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.8003% | 3,975 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.3748% | 1,376 |
| Return on assets (ROA) | 1.3640% | 1,375 |
| Pretax return on assets | 1.4698% | 1,632 |
| Return on Equity (ROE) | 14.7300% | 1,500 |
| Retained earnings to average equity (ytd only) | 5.6205% | 2,743 |
| Net charge-offs to loans | -0.0151% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.6244% | 3,868 |
| Assets per employee ($millions) | 5.7535% | 2,963 |
| Cash dividends to net income (ytd only)* | 61.8444% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0771% | 349 |
| Loan loss allowance to noncurrent loans | 1,804.6547% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 3,147 |
| Noncurrent loans to loans | 0.1151% | 2,996 |
| Net loans and leases to total assets | 58.6200% | 2,976 |
| Net loans and leases to deposits | 65.8294% | 3,143 |
| Net loans and leases to core deposits | 73.5800% | 3,017 |
| Total domestic deposits to total assets | 89.0500% | 1,228 |
| Equity capital to assets | 9.4089% | 2,151 |
| Core capital (leverage) ratio | 9.8999% | 2,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $987,832,000 | 997 |
| Average earning assets | $933,831,500 | 968 |
| Average equity | $91,473,000 | 1,014 |
| Average total loans | $556,089,750 | 1,137 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0576% | 3,573 |
| Cost of funding earning assets | 0.8265% | 3,141 |
| Net interest margin | 3.2311% | 2,908 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.7654% | 4,062 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.3971% | 1,342 |
| Return on assets (ROA) | 1.3897% | 1,336 |
| Pretax return on assets | 1.5008% | 1,598 |
| Return on Equity (ROE) | 15.0900% | 1,452 |
| Retained earnings to average equity (ytd only) | 6.3569% | 2,492 |
| Net charge-offs to loans | 0.0004% | 2,444 |
| Credit loss provision to net charge-offs | 120,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 8,736.0000% | 7 |
| Efficiency ratio | 49.3549% | 3,981 |
| Assets per employee ($millions) | 5.9718% | 2,729 |
| Cash dividends to net income (ytd only)* | 57.8620% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 407 |
| Loan loss allowance to noncurrent loans | 1,031.8750% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 2,731 |
| Noncurrent loans to loans | 0.1951% | 2,488 |
| Net loans and leases to total assets | 57.4500% | 3,009 |
| Net loans and leases to deposits | 65.7099% | 3,077 |
| Net loans and leases to core deposits | 72.6506% | 2,978 |
| Total domestic deposits to total assets | 87.4300% | 1,792 |
| Equity capital to assets | 9.4412% | 2,198 |
| Core capital (leverage) ratio | 10.0201% | 2,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $994,915,333 | 980 |
| Average earning assets | $940,859,667 | 953 |
| Average equity | $91,649,000 | 1,004 |
| Average total loans | $548,572,000 | 1,137 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,566 |
| Cost of funding earning assets | 0.7159% | 3,004 |
| Net interest margin | 3.2299% | 3,043 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 1.7453% | 4,127 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4144% | 1,369 |
| Return on assets (ROA) | 1.4018% | 1,380 |
| Pretax return on assets | 1.5151% | 1,640 |
| Return on Equity (ROE) | 15.4100% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.6373% | 2,608 |
| Net charge-offs to loans | -0.0090% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.9043% | 4,035 |
| Assets per employee ($millions) | 6.0314% | 2,733 |
| Cash dividends to net income (ytd only)* | 56.9152% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0254% | 415 |
| Loan loss allowance to noncurrent loans | 1,083.8933% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.1029% | 2,804 |
| Noncurrent loans to loans | 0.1869% | 2,543 |
| Net loans and leases to total assets | 53.9700% | 3,203 |
| Net loans and leases to deposits | 60.5701% | 3,298 |
| Net loans and leases to core deposits | 66.3389% | 3,201 |
| Total domestic deposits to total assets | 89.1100% | 1,504 |
| Equity capital to assets | 9.4328% | 2,197 |
| Core capital (leverage) ratio | 9.5301% | 3,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,002,689,500 | 988 |
| Average earning assets | $948,749,000 | 956 |
| Average equity | $91,241,500 | 1,020 |
| Average total loans | $535,755,500 | 1,172 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 3,631 |
| Cost of funding earning assets | 0.2486% | 3,333 |
| Net interest margin | 3.0344% | 3,342 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 1.6879% | 4,201 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.4383% | 1,029 |
| Return on assets (ROA) | 1.4363% | 997 |
| Pretax return on assets | 1.5464% | 1,305 |
| Return on Equity (ROE) | 15.3900% | 1,166 |
| Retained earnings to average equity (ytd only) | 6.6618% | 2,382 |
| Net charge-offs to loans | -0.0051% | 3,640 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.9861% | 4,186 |
| Assets per employee ($millions) | 6.1955% | 2,597 |
| Cash dividends to net income (ytd only)* | 56.7094% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9544% | 472 |
| Loan loss allowance to noncurrent loans | 891.3081% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 2,729 |
| Noncurrent loans to loans | 0.2193% | 2,394 |
| Net loans and leases to total assets | 50.8300% | 3,447 |
| Net loans and leases to deposits | 56.5698% | 3,538 |
| Net loans and leases to core deposits | 59.1866% | 3,548 |
| Total domestic deposits to total assets | 89.8500% | 1,433 |
| Equity capital to assets | 8.7793% | 2,508 |
| Core capital (leverage) ratio | 9.2994% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $982,172,400 | 995 |
| Average earning assets | $929,616,400 | 971 |
| Average equity | $91,672,000 | 1,014 |
| Average total loans | $470,091,800 | 1,231 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0842% | 3,712 |
| Cost of funding earning assets | 0.1986% | 3,294 |
| Net interest margin | 2.8855% | 3,527 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.6522% | 4,238 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.4850% | 883 |
| Return on assets (ROA) | 1.4822% | 871 |
| Pretax return on assets | 1.5856% | 1,154 |
| Return on Equity (ROE) | 15.6400% | 1,057 |
| Retained earnings to average equity (ytd only) | 6.9549% | 2,374 |
| Net charge-offs to loans | -0.0079% | 3,615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 49.6979% | 4,180 |
| Assets per employee ($millions) | 6.0350% | 2,732 |
| Cash dividends to net income (ytd only)* | 55.5196% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 741 |
| Loan loss allowance to noncurrent loans | 717.2605% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 2,715 |
| Noncurrent loans to loans | 0.2497% | 2,381 |
| Net loans and leases to total assets | 50.1800% | 3,440 |
| Net loans and leases to deposits | 55.8161% | 3,496 |
| Net loans and leases to core deposits | 58.4435% | 3,473 |
| Total domestic deposits to total assets | 89.9000% | 1,708 |
| Equity capital to assets | 8.7461% | 2,380 |
| Core capital (leverage) ratio | 9.6812% | 2,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $972,149,500 | 1,013 |
| Average earning assets | $920,200,500 | 984 |
| Average equity | $92,153,000 | 1,023 |
| Average total loans | $455,131,000 | 1,252 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9056% | 3,762 |
| Cost of funding earning assets | 0.1896% | 3,052 |
| Net interest margin | 2.7160% | 3,671 |
| Noninterest income to average assets | 0.5603% | 1,903 |
| Noninterest expense to average assets | 1.6631% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3767% | 964 |
| Return on assets (ROA) | 1.3725% | 952 |
| Pretax return on assets | 1.4656% | 1,268 |
| Return on Equity (ROE) | 14.1061% | 1,091 |
| Retained earnings to average equity (ytd only) | 5.5969% | 2,473 |
| Net charge-offs to loans | -0.0137% | 3,721 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1799% | 4,118 |
| Assets per employee ($millions) | 6.0812% | 2,672 |
| Cash dividends to net income (ytd only)* | 60.3227% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 645 |
| Loan loss allowance to noncurrent loans | 692.4219% | 1,229 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 2,800 |
| Noncurrent loans to loans | 0.2765% | 2,364 |
| Net loans and leases to total assets | 46.3755% | 3,690 |
| Net loans and leases to deposits | 51.9119% | 3,688 |
| Net loans and leases to core deposits | 54.5604% | 3,664 |
| Total domestic deposits to total assets | 89.3350% | 2,031 |
| Equity capital to assets | 9.3211% | 2,147 |
| Core capital (leverage) ratio | 9.4157% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $966,288,000 | 1,010 |
| Average earning assets | $915,401,000 | 991 |
| Average equity | $94,016,333 | 1,009 |
| Average total loans | $438,272,000 | 1,282 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7706% | 3,801 |
| Cost of funding earning assets | 0.1877% | 2,974 |
| Net interest margin | 2.5829% | 3,699 |
| Noninterest income to average assets | 0.6000% | 1,698 |
| Noninterest expense to average assets | 1.7027% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2614% | 1,089 |
| Return on assets (ROA) | 1.2618% | 1,073 |
| Pretax return on assets | 1.3470% | 1,385 |
| Return on Equity (ROE) | 13.6417% | 903 |
| Retained earnings to average equity (ytd only) | 4.5624% | 2,755 |
| Net charge-offs to loans | 0.0028% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,069.0000% | 74 |
| Efficiency ratio | 54.9022% | 3,988 |
| Assets per employee ($millions) | 5.6133% | 3,218 |
| Cash dividends to net income (ytd only)* | 66.5557% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0485% | 571 |
| Loan loss allowance to noncurrent loans | 1,163.2411% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 3,278 |
| Noncurrent loans to loans | 0.1761% | 2,939 |
| Net loans and leases to total assets | 44.2409% | 3,722 |
| Net loans and leases to deposits | 48.9889% | 3,817 |
| Net loans and leases to core deposits | 51.4249% | 3,772 |
| Total domestic deposits to total assets | 90.3080% | 1,381 |
| Equity capital to assets | 8.2116% | 3,390 |
| Core capital (leverage) ratio | 9.2523% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $952,611,500 | 1,032 |
| Average earning assets | $903,332,000 | 1,012 |
| Average equity | $88,112,000 | 1,101 |
| Average total loans | $425,950,500 | 1,305 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0946% | 3,694 |
| Cost of funding earning assets | 0.2178% | 3,285 |
| Net interest margin | 2.8768% | 3,497 |
| Noninterest income to average assets | 0.7299% | 1,667 |
| Noninterest expense to average assets | 1.8120% | 4,124 |
| Loan and lease loss provision to assets | 0.1307% | 940 |
| Net operating income to assets | 1.4006% | 1,277 |
| Return on assets (ROA) | 1.4199% | 1,281 |
| Pretax return on assets | 1.5275% | 1,630 |
| Return on Equity (ROE) | 12.9129% | 1,490 |
| Retained earnings to average equity (ytd only) | 4.6770% | 2,935 |
| Net charge-offs to loans | -0.0514% | 4,337 |
| Credit loss provision to net charge-offs | -552.6316% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6359% | 4,145 |
| Assets per employee ($millions) | 5.6944% | 3,062 |
| Cash dividends to net income (ytd only)* | 63.7806% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0986% | 522 |
| Loan loss allowance to noncurrent loans | 832.5165% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 3,148 |
| Noncurrent loans to loans | 0.2521% | 2,715 |
| Net loans and leases to total assets | 43.3314% | 3,887 |
| Net loans and leases to deposits | 49.1846% | 3,933 |
| Net loans and leases to core deposits | 51.6234% | 3,917 |
| Total domestic deposits to total assets | 88.0995% | 1,995 |
| Equity capital to assets | 10.2910% | 2,385 |
| Core capital (leverage) ratio | 9.2987% | 3,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $883,398,800 | 1,061 |
| Average earning assets | $835,133,400 | 1,044 |
| Average equity | $97,135,400 | 1,032 |
| Average total loans | $406,803,800 | 1,357 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1937% | 3,617 |
| Cost of funding earning assets | 0.2267% | 3,359 |
| Net interest margin | 2.9671% | 3,389 |
| Noninterest income to average assets | 0.7747% | 1,600 |
| Noninterest expense to average assets | 1.8668% | 4,016 |
| Loan and lease loss provision to assets | 0.1777% | 601 |
| Net operating income to assets | 1.4198% | 1,479 |
| Return on assets (ROA) | 1.4433% | 1,474 |
| Pretax return on assets | 1.5573% | 1,830 |
| Return on Equity (ROE) | 12.8994% | 1,726 |
| Retained earnings to average equity (ytd only) | 4.6482% | 3,358 |
| Net charge-offs to loans | -0.0674% | 4,469 |
| Credit loss provision to net charge-offs | -566.1765% | 3,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3165% | 4,095 |
| Assets per employee ($millions) | 5.4544% | 3,245 |
| Cash dividends to net income (ytd only)* | 63.9659% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1647% | 482 |
| Loan loss allowance to noncurrent loans | 862.1094% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 3,361 |
| Noncurrent loans to loans | 0.2511% | 2,932 |
| Net loans and leases to total assets | 43.8014% | 3,966 |
| Net loans and leases to deposits | 49.9587% | 4,009 |
| Net loans and leases to core deposits | 52.4885% | 4,012 |
| Total domestic deposits to total assets | 87.6754% | 2,018 |
| Equity capital to assets | 10.6449% | 2,327 |
| Core capital (leverage) ratio | 9.6448% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $866,507,750 | 1,085 |
| Average earning assets | $818,249,250 | 1,072 |
| Average equity | $96,953,250 | 1,054 |
| Average total loans | $403,280,000 | 1,393 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2894% | 3,457 |
| Cost of funding earning assets | 0.2415% | 3,359 |
| Net interest margin | 3.0479% | 3,184 |
| Noninterest income to average assets | 0.8146% | 1,499 |
| Noninterest expense to average assets | 1.9363% | 3,869 |
| Loan and lease loss provision to assets | 0.2712% | 343 |
| Net operating income to assets | 1.3687% | 1,657 |
| Return on assets (ROA) | 1.3923% | 1,655 |
| Pretax return on assets | 1.5075% | 1,991 |
| Return on Equity (ROE) | 12.2310% | 1,964 |
| Retained earnings to average equity (ytd only) | 3.9794% | 3,525 |
| Net charge-offs to loans | -0.0314% | 4,175 |
| Credit loss provision to net charge-offs | -1,833.3333% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8592% | 4,154 |
| Assets per employee ($millions) | 5.0732% | 3,592 |
| Cash dividends to net income (ytd only)* | 67.4650% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1257% | 483 |
| Loan loss allowance to noncurrent loans | 435.2204% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 2,778 |
| Noncurrent loans to loans | 0.4884% | 2,218 |
| Net loans and leases to total assets | 46.1072% | 3,894 |
| Net loans and leases to deposits | 53.0621% | 3,926 |
| Net loans and leases to core deposits | 55.8317% | 3,899 |
| Total domestic deposits to total assets | 86.8929% | 2,385 |
| Equity capital to assets | 11.3081% | 1,748 |
| Core capital (leverage) ratio | 9.7257% | 2,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $851,713,667 | 1,094 |
| Average earning assets | $803,373,000 | 1,086 |
| Average equity | $96,950,000 | 1,048 |
| Average total loans | $401,769,667 | 1,403 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2562% | 3,554 |
| Cost of funding earning assets | 0.2650% | 3,331 |
| Net interest margin | 2.9912% | 3,283 |
| Noninterest income to average assets | 0.9125% | 1,294 |
| Noninterest expense to average assets | 1.9962% | 3,725 |
| Loan and lease loss provision to assets | 0.2621% | 382 |
| Net operating income to assets | 1.3640% | 1,652 |
| Return on assets (ROA) | 1.3610% | 1,747 |
| Pretax return on assets | 1.4709% | 2,072 |
| Return on Equity (ROE) | 11.9159% | 2,048 |
| Retained earnings to average equity (ytd only) | 3.6150% | 3,608 |
| Net charge-offs to loans | 0.0422% | 1,045 |
| Credit loss provision to net charge-offs | 1,316.6667% | 345 |
| Earnings coverage of net charge-offs (x) | 87.2143% | 668 |
| Efficiency ratio | 51.8669% | 4,004 |
| Assets per employee ($millions) | 5.0143% | 3,639 |
| Cash dividends to net income (ytd only)* | 69.6621% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 567 |
| Loan loss allowance to noncurrent loans | 446.1151% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 3,115 |
| Noncurrent loans to loans | 0.4541% | 2,495 |
| Net loans and leases to total assets | 44.7545% | 4,063 |
| Net loans and leases to deposits | 51.4685% | 4,070 |
| Net loans and leases to core deposits | 54.0913% | 4,090 |
| Total domestic deposits to total assets | 86.9552% | 2,328 |
| Equity capital to assets | 11.0140% | 1,847 |
| Core capital (leverage) ratio | 10.0733% | 2,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $843,814,000 | 1,097 |
| Average earning assets | $795,532,500 | 1,084 |
| Average equity | $96,375,500 | 1,039 |
| Average total loans | $398,318,000 | 1,418 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 3,749 |
| Cost of funding earning assets | 0.4957% | 2,978 |
| Net interest margin | 3.1280% | 3,559 |
| Noninterest income to average assets | 0.8688% | 1,355 |
| Noninterest expense to average assets | 2.0607% | 4,020 |
| Loan and lease loss provision to assets | 0.2018% | 1,943 |
| Net operating income to assets | 1.4272% | 959 |
| Return on assets (ROA) | 1.4574% | 986 |
| Pretax return on assets | 1.5696% | 1,134 |
| Return on Equity (ROE) | 12.0064% | 1,316 |
| Retained earnings to average equity (ytd only) | 2.0846% | 3,789 |
| Net charge-offs to loans | -0.0357% | 4,592 |
| Credit loss provision to net charge-offs | -1,117.0213% | 4,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5191% | 4,346 |
| Assets per employee ($millions) | 4.6885% | 3,727 |
| Cash dividends to net income (ytd only)* | 82.6374% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8551% | 783 |
| Loan loss allowance to noncurrent loans | 637.3720% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 3,578 |
| Noncurrent loans to loans | 0.2911% | 3,154 |
| Net loans and leases to total assets | 47.8927% | 3,984 |
| Net loans and leases to deposits | 55.6651% | 4,021 |
| Net loans and leases to core deposits | 58.7859% | 4,007 |
| Total domestic deposits to total assets | 86.0372% | 2,351 |
| Equity capital to assets | 11.8472% | 1,652 |
| Core capital (leverage) ratio | 10.1594% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $780,477,000 | 1,079 |
| Average earning assets | $731,230,000 | 1,060 |
| Average equity | $94,740,800 | 1,010 |
| Average total loans | $394,454,800 | 1,377 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 3,676 |
| Cost of funding earning assets | 0.5494% | 2,931 |
| Net interest margin | 3.2043% | 3,482 |
| Noninterest income to average assets | 0.7473% | 1,655 |
| Noninterest expense to average assets | 2.0224% | 4,102 |
| Loan and lease loss provision to assets | 0.2210% | 1,822 |
| Net operating income to assets | 1.3930% | 1,118 |
| Return on assets (ROA) | 1.4061% | 1,181 |
| Pretax return on assets | 1.5160% | 1,416 |
| Return on Equity (ROE) | 11.5092% | 1,511 |
| Retained earnings to average equity (ytd only) | 1.7208% | 4,022 |
| Net charge-offs to loans | -0.0204% | 4,431 |
| Credit loss provision to net charge-offs | -2,125.0000% | 4,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1888% | 4,329 |
| Assets per employee ($millions) | 4.7376% | 3,555 |
| Cash dividends to net income (ytd only)* | 85.0487% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 713 |
| Loan loss allowance to noncurrent loans | 626.1484% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 3,670 |
| Noncurrent loans to loans | 0.2882% | 3,245 |
| Net loans and leases to total assets | 48.4569% | 4,194 |
| Net loans and leases to deposits | 56.5916% | 4,232 |
| Net loans and leases to core deposits | 60.0806% | 4,197 |
| Total domestic deposits to total assets | 85.6256% | 2,210 |
| Equity capital to assets | 12.1086% | 1,617 |
| Core capital (leverage) ratio | 10.3691% | 2,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $769,303,250 | 1,080 |
| Average earning assets | $719,767,750 | 1,062 |
| Average equity | $93,986,000 | 1,005 |
| Average total loans | $392,401,750 | 1,374 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9118% | 3,582 |
| Cost of funding earning assets | 0.6118% | 2,909 |
| Net interest margin | 3.3000% | 3,389 |
| Noninterest income to average assets | 0.6436% | 1,960 |
| Noninterest expense to average assets | 2.0244% | 4,183 |
| Loan and lease loss provision to assets | 0.2564% | 1,649 |
| Net operating income to assets | 1.3420% | 1,243 |
| Return on assets (ROA) | 1.3403% | 1,343 |
| Pretax return on assets | 1.4465% | 1,598 |
| Return on Equity (ROE) | 10.9368% | 1,651 |
| Retained earnings to average equity (ytd only) | 1.4937% | 3,938 |
| Net charge-offs to loans | -0.0158% | 4,341 |
| Credit loss provision to net charge-offs | -3,145.1613% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4438% | 4,328 |
| Assets per employee ($millions) | 4.5167% | 3,767 |
| Cash dividends to net income (ytd only)* | 86.3422% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 797 |
| Loan loss allowance to noncurrent loans | 434.7267% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 3,485 |
| Noncurrent loans to loans | 0.3936% | 2,992 |
| Net loans and leases to total assets | 49.1219% | 4,201 |
| Net loans and leases to deposits | 57.3752% | 4,250 |
| Net loans and leases to core deposits | 61.0042% | 4,211 |
| Total domestic deposits to total assets | 85.6153% | 2,155 |
| Equity capital to assets | 12.1067% | 1,602 |
| Core capital (leverage) ratio | 10.5650% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $760,431,000 | 1,073 |
| Average earning assets | $711,030,000 | 1,057 |
| Average equity | $93,189,667 | 1,002 |
| Average total loans | $392,280,333 | 1,349 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 3,951 |
| Cost of funding earning assets | 0.7103% | 2,888 |
| Net interest margin | 3.2316% | 3,781 |
| Noninterest income to average assets | 0.6584% | 1,810 |
| Noninterest expense to average assets | 2.0434% | 4,320 |
| Loan and lease loss provision to assets | 0.0805% | 2,703 |
| Net operating income to assets | 1.4542% | 870 |
| Return on assets (ROA) | 1.4552% | 938 |
| Pretax return on assets | 1.5529% | 1,167 |
| Return on Equity (ROE) | 11.7993% | 1,159 |
| Retained earnings to average equity (ytd only) | 2.2276% | 3,359 |
| Net charge-offs to loans | 0.0102% | 2,207 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 304.2000% | 234 |
| Efficiency ratio | 53.6934% | 4,417 |
| Assets per employee ($millions) | 4.4976% | 3,264 |
| Cash dividends to net income (ytd only)* | 81.1209% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,271 |
| Loan loss allowance to noncurrent loans | 464.0157% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,440 |
| Noncurrent loans to loans | 0.3279% | 3,319 |
| Net loans and leases to total assets | 50.1857% | 4,235 |
| Net loans and leases to deposits | 58.6337% | 4,267 |
| Net loans and leases to core deposits | 62.3383% | 4,261 |
| Total domestic deposits to total assets | 85.5919% | 2,174 |
| Equity capital to assets | 12.2597% | 1,877 |
| Core capital (leverage) ratio | 11.1940% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $745,439,000 | 1,050 |
| Average earning assets | $695,999,000 | 1,038 |
| Average equity | $91,938,000 | 1,014 |
| Average total loans | $390,907,000 | 1,316 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,878 |
| Cost of funding earning assets | 0.8258% | 2,550 |
| Net interest margin | 3.3464% | 3,878 |
| Noninterest income to average assets | 0.7655% | 1,565 |
| Noninterest expense to average assets | 2.1292% | 4,307 |
| Loan and lease loss provision to assets | 0.0877% | 2,264 |
| Net operating income to assets | 1.5574% | 925 |
| Return on assets (ROA) | 1.5736% | 946 |
| Pretax return on assets | 1.6795% | 1,246 |
| Return on Equity (ROE) | 12.8093% | 1,232 |
| Retained earnings to average equity (ytd only) | 3.2160% | 3,410 |
| Net charge-offs to loans | 0.0149% | 3,175 |
| Credit loss provision to net charge-offs | 1,077.5862% | 321 |
| Earnings coverage of net charge-offs (x) | 215.0517% | 376 |
| Efficiency ratio | 53.0037% | 4,521 |
| Assets per employee ($millions) | 4.4290% | 3,333 |
| Cash dividends to net income (ytd only)* | 74.8930% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,342 |
| Loan loss allowance to noncurrent loans | 183.3068% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5979% | 2,105 |
| Noncurrent loans to loans | 0.7958% | 1,915 |
| Net loans and leases to total assets | 53.1906% | 4,134 |
| Net loans and leases to deposits | 62.3368% | 4,176 |
| Net loans and leases to core deposits | 66.6115% | 4,157 |
| Total domestic deposits to total assets | 85.3278% | 2,374 |
| Equity capital to assets | 12.4101% | 1,877 |
| Core capital (leverage) ratio | 11.1063% | 2,410 |
| Tier 1 risk-based capital ratio | 17.7384% | 1,827 |
| Total risk-based capital ratio | 18.9889% | 1,782 |
| Memoranda: | ||
| Average total assets | $712,751,400 | 1,050 |
| Average earning assets | $663,199,400 | 1,043 |
| Average equity | $87,561,200 | 1,008 |
| Average total loans | $389,760,000 | 1,297 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,951 |
| Cost of funding earning assets | 0.8252% | 2,591 |
| Net interest margin | 3.3592% | 3,963 |
| Noninterest income to average assets | 0.7481% | 1,601 |
| Noninterest expense to average assets | 2.1408% | 4,291 |
| Loan and lease loss provision to assets | 0.0800% | 2,307 |
| Net operating income to assets | 1.5475% | 1,071 |
| Return on assets (ROA) | 1.5599% | 1,086 |
| Pretax return on assets | 1.6632% | 1,435 |
| Return on Equity (ROE) | 12.7309% | 1,378 |
| Retained earnings to average equity (ytd only) | 3.2050% | 3,801 |
| Net charge-offs to loans | 0.0202% | 2,708 |
| Credit loss provision to net charge-offs | 720.3390% | 462 |
| Earnings coverage of net charge-offs (x) | 155.7721% | 526 |
| Efficiency ratio | 53.4043% | 4,453 |
| Assets per employee ($millions) | 4.2917% | 3,495 |
| Cash dividends to net income (ytd only)* | 74.8250% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 1,621 |
| Loan loss allowance to noncurrent loans | 375.3888% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3868% | 2,965 |
| Noncurrent loans to loans | 0.3702% | 3,229 |
| Net loans and leases to total assets | 54.6407% | 4,123 |
| Net loans and leases to deposits | 63.8208% | 4,181 |
| Net loans and leases to core deposits | 68.4514% | 4,142 |
| Total domestic deposits to total assets | 85.6158% | 2,157 |
| Equity capital to assets | 12.5301% | 1,895 |
| Core capital (leverage) ratio | 11.1322% | 2,530 |
| Tier 1 risk-based capital ratio | 18.4381% | 1,701 |
| Total risk-based capital ratio | 19.6887% | 1,667 |
| Memoranda: | ||
| Average total assets | $708,245,000 | 1,061 |
| Average earning assets | $658,391,000 | 1,052 |
| Average equity | $86,779,000 | 1,012 |
| Average total loans | $388,585,250 | 1,307 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,972 |
| Cost of funding earning assets | 0.7988% | 2,648 |
| Net interest margin | 3.3805% | 3,955 |
| Noninterest income to average assets | 0.6492% | 1,922 |
| Noninterest expense to average assets | 2.1742% | 4,285 |
| Loan and lease loss provision to assets | 0.0639% | 2,536 |
| Net operating income to assets | 1.4488% | 1,298 |
| Return on assets (ROA) | 1.4673% | 1,295 |
| Pretax return on assets | 1.5713% | 1,634 |
| Return on Equity (ROE) | 12.0690% | 1,552 |
| Retained earnings to average equity (ytd only) | 2.7222% | 3,841 |
| Net charge-offs to loans | -0.0177% | 4,512 |
| Credit loss provision to net charge-offs | -661.7647% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4164% | 4,322 |
| Assets per employee ($millions) | 4.2276% | 3,530 |
| Cash dividends to net income (ytd only)* | 77.4443% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3937% | 1,640 |
| Loan loss allowance to noncurrent loans | 589.2857% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,226 |
| Noncurrent loans to loans | 0.2365% | 3,693 |
| Net loans and leases to total assets | 53.6043% | 4,237 |
| Net loans and leases to deposits | 62.3885% | 4,316 |
| Net loans and leases to core deposits | 66.8319% | 4,274 |
| Total domestic deposits to total assets | 85.9202% | 2,077 |
| Equity capital to assets | 12.2539% | 2,019 |
| Core capital (leverage) ratio | 11.0280% | 2,571 |
| Tier 1 risk-based capital ratio | 18.0768% | 1,788 |
| Total risk-based capital ratio | 19.3271% | 1,739 |
| Memoranda: | ||
| Average total assets | $703,993,670 | 1,067 |
| Average earning assets | $653,994,670 | 1,060 |
| Average equity | $85,591,330 | 1,019 |
| Average total loans | $384,943,330 | 1,321 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,956 |
| Cost of funding earning assets | 0.7521% | 2,781 |
| Net interest margin | 3.4180% | 3,839 |
| Noninterest income to average assets | 0.6132% | 1,987 |
| Noninterest expense to average assets | 2.2370% | 4,168 |
| Loan and lease loss provision to assets | 0.0431% | 2,778 |
| Net operating income to assets | 1.4051% | 1,362 |
| Return on assets (ROA) | 1.4067% | 1,381 |
| Pretax return on assets | 1.5078% | 1,735 |
| Return on Equity (ROE) | 11.6178% | 1,684 |
| Retained earnings to average equity (ytd only) | 3.0823% | 3,702 |
| Net charge-offs to loans | -0.0209% | 4,502 |
| Credit loss provision to net charge-offs | -375.0000% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1125% | 4,202 |
| Assets per employee ($millions) | 4.2055% | 3,619 |
| Cash dividends to net income (ytd only)* | 73.4694% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3789% | 1,756 |
| Loan loss allowance to noncurrent loans | 812.4615% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 3,302 |
| Noncurrent loans to loans | 0.1697% | 3,988 |
| Net loans and leases to total assets | 53.1447% | 4,260 |
| Net loans and leases to deposits | 61.7872% | 4,312 |
| Net loans and leases to core deposits | 66.1042% | 4,273 |
| Total domestic deposits to total assets | 86.0124% | 2,278 |
| Equity capital to assets | 12.0798% | 1,975 |
| Core capital (leverage) ratio | 11.2855% | 2,305 |
| Tier 1 risk-based capital ratio | 17.2888% | 2,019 |
| Total risk-based capital ratio | 18.4750% | 1,980 |
| Memoranda: | ||
| Average total assets | $696,643,500 | 1,085 |
| Average earning assets | $646,689,500 | 1,074 |
| Average equity | $84,353,000 | 1,025 |
| Average total loans | $382,067,000 | 1,336 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2752% | 3,194 |
| Cost of funding earning assets | 0.5062% | 3,308 |
| Net interest margin | 3.7690% | 2,785 |
| Noninterest income to average assets | 0.7984% | 1,450 |
| Noninterest expense to average assets | 2.4391% | 3,773 |
| Loan and lease loss provision to assets | 0.1353% | 1,597 |
| Net operating income to assets | 1.5896% | 897 |
| Return on assets (ROA) | 1.5552% | 972 |
| Pretax return on assets | 1.6789% | 1,222 |
| Return on Equity (ROE) | 13.0059% | 1,350 |
| Retained earnings to average equity (ytd only) | -0.5675% | 5,048 |
| Net charge-offs to loans | -0.0168% | 4,642 |
| Credit loss provision to net charge-offs | -1,508.6207% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6660% | 4,562 |
| Assets per employee ($millions) | 3.9226% | 4,006 |
| Cash dividends to net income (ytd only)* | 104.3634% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,789 |
| Loan loss allowance to noncurrent loans | 494.3756% | 1,109 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 2,951 |
| Noncurrent loans to loans | 0.2752% | 3,587 |
| Net loans and leases to total assets | 55.0831% | 4,201 |
| Net loans and leases to deposits | 64.1724% | 4,247 |
| Net loans and leases to core deposits | 68.0536% | 4,233 |
| Total domestic deposits to total assets | 85.8361% | 2,312 |
| Equity capital to assets | 12.1253% | 1,800 |
| Core capital (leverage) ratio | 11.4314% | 2,154 |
| Tier 1 risk-based capital ratio | 17.7963% | 1,814 |
| Total risk-based capital ratio | 19.0070% | 1,779 |
| Memoranda: | ||
| Average total assets | $646,916,800 | 1,118 |
| Average earning assets | $599,338,000 | 1,114 |
| Average equity | $77,357,000 | 1,061 |
| Average total loans | $346,056,800 | 1,420 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 3,028 |
| Cost of funding earning assets | 0.4625% | 3,440 |
| Net interest margin | 3.8215% | 2,563 |
| Noninterest income to average assets | 0.8267% | 1,387 |
| Noninterest expense to average assets | 2.4314% | 3,782 |
| Loan and lease loss provision to assets | 0.1358% | 1,473 |
| Net operating income to assets | 1.6766% | 791 |
| Return on assets (ROA) | 1.6791% | 784 |
| Pretax return on assets | 1.8020% | 1,010 |
| Return on Equity (ROE) | 14.0949% | 1,093 |
| Retained earnings to average equity (ytd only) | -1.1665% | 5,145 |
| Net charge-offs to loans | 0.0328% | 2,428 |
| Credit loss provision to net charge-offs | 783.1325% | 499 |
| Earnings coverage of net charge-offs (x) | 111.5702% | 692 |
| Efficiency ratio | 53.5056% | 4,653 |
| Assets per employee ($millions) | 3.8953% | 4,049 |
| Cash dividends to net income (ytd only)* | 108.2762% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 2,127 |
| Loan loss allowance to noncurrent loans | 354.6726% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,313 |
| Noncurrent loans to loans | 0.3644% | 3,340 |
| Net loans and leases to total assets | 54.9442% | 4,298 |
| Net loans and leases to deposits | 63.8987% | 4,332 |
| Net loans and leases to core deposits | 68.0616% | 4,294 |
| Total domestic deposits to total assets | 85.9864% | 2,197 |
| Equity capital to assets | 12.0567% | 1,874 |
| Core capital (leverage) ratio | 11.4911% | 2,171 |
| Tier 1 risk-based capital ratio | 16.6142% | 2,239 |
| Total risk-based capital ratio | 17.6679% | 2,237 |
| Memoranda: | ||
| Average total assets | $638,014,750 | 1,137 |
| Average earning assets | $590,991,000 | 1,137 |
| Average equity | $76,006,750 | 1,073 |
| Average total loans | $337,285,500 | 1,455 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3423% | 2,616 |
| Cost of funding earning assets | 0.4482% | 3,369 |
| Net interest margin | 3.8941% | 2,221 |
| Noninterest income to average assets | 0.7661% | 1,587 |
| Noninterest expense to average assets | 2.4860% | 3,665 |
| Loan and lease loss provision to assets | 0.1355% | 1,450 |
| Net operating income to assets | 1.6347% | 833 |
| Return on assets (ROA) | 1.6377% | 834 |
| Pretax return on assets | 1.7566% | 1,080 |
| Return on Equity (ROE) | 13.8062% | 1,129 |
| Retained earnings to average equity (ytd only) | -2.8569% | 5,204 |
| Net charge-offs to loans | 0.0197% | 2,495 |
| Credit loss provision to net charge-offs | 1,328.1250% | 315 |
| Earnings coverage of net charge-offs (x) | 185.1563% | 444 |
| Efficiency ratio | 54.6163% | 4,625 |
| Assets per employee ($millions) | 3.8618% | 4,117 |
| Cash dividends to net income (ytd only)* | 120.6930% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,321 |
| Loan loss allowance to noncurrent loans | 443.8395% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.5287% | 2,648 |
| Noncurrent loans to loans | 0.2862% | 3,677 |
| Net loans and leases to total assets | 53.4374% | 4,380 |
| Net loans and leases to deposits | 62.0733% | 4,416 |
| Net loans and leases to core deposits | 66.0605% | 4,367 |
| Total domestic deposits to total assets | 86.0876% | 2,241 |
| Equity capital to assets | 12.0882% | 1,797 |
| Core capital (leverage) ratio | 11.1233% | 2,421 |
| Tier 1 risk-based capital ratio | 18.4716% | 1,678 |
| Total risk-based capital ratio | 19.6140% | 1,673 |
| Memoranda: | ||
| Average total assets | $627,355,000 | 1,161 |
| Average earning assets | $581,392,670 | 1,155 |
| Average equity | $74,416,000 | 1,097 |
| Average total loans | $325,347,330 | 1,500 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 2,313 |
| Cost of funding earning assets | 0.4502% | 3,199 |
| Net interest margin | 3.9151% | 1,982 |
| Noninterest income to average assets | 0.7886% | 1,494 |
| Noninterest expense to average assets | 2.5454% | 3,514 |
| Loan and lease loss provision to assets | 0.0332% | 3,060 |
| Net operating income to assets | 1.7250% | 652 |
| Return on assets (ROA) | 1.7250% | 662 |
| Pretax return on assets | 1.8437% | 839 |
| Return on Equity (ROE) | 14.6998% | 858 |
| Retained earnings to average equity (ytd only) | 0.5708% | 4,721 |
| Net charge-offs to loans | -0.0079% | 4,161 |
| Credit loss provision to net charge-offs | -833.3333% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2789% | 4,668 |
| Assets per employee ($millions) | 4.0623% | 3,864 |
| Cash dividends to net income (ytd only)* | 96.1169% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 3,031 |
| Loan loss allowance to noncurrent loans | 443.7693% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 2,809 |
| Noncurrent loans to loans | 0.2618% | 3,826 |
| Net loans and leases to total assets | 52.4711% | 4,408 |
| Net loans and leases to deposits | 60.7243% | 4,422 |
| Net loans and leases to core deposits | 64.3465% | 4,403 |
| Total domestic deposits to total assets | 86.4087% | 2,358 |
| Equity capital to assets | 11.9165% | 1,849 |
| Core capital (leverage) ratio | 11.2950% | 2,170 |
| Tier 1 risk-based capital ratio | 18.6651% | 1,644 |
| Total risk-based capital ratio | 19.7164% | 1,663 |
| Memoranda: | ||
| Average total assets | $603,121,500 | 1,211 |
| Average earning assets | $559,787,000 | 1,210 |
| Average equity | $70,776,500 | 1,157 |
| Average total loans | $305,126,500 | 1,580 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4995% | 4,788 |
| Cost of funding earning assets | 0.3496% | 3,725 |
| Net interest margin | 3.1499% | 4,578 |
| Noninterest income to average assets | 0.7948% | 1,583 |
| Noninterest expense to average assets | 2.2161% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.4119% | 987 |
| Return on assets (ROA) | 1.5756% | 695 |
| Pretax return on assets | 1.6814% | 1,054 |
| Return on Equity (ROE) | 13.9885% | 760 |
| Retained earnings to average equity (ytd only) | 3.8810% | 2,878 |
| Net charge-offs to loans | 0.0700% | 2,452 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 49.5419% | 1,092 |
| Efficiency ratio | 58.2055% | 4,500 |
| Assets per employee ($millions) | 3.8449% | 4,212 |
| Cash dividends to net income (ytd only)* | 72.2561% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 813 |
| Loan loss allowance to noncurrent loans | 525.0617% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 2,563 |
| Noncurrent loans to loans | 0.3385% | 3,547 |
| Net loans and leases to total assets | 46.3163% | 4,874 |
| Net loans and leases to deposits | 53.9511% | 4,901 |
| Net loans and leases to core deposits | 57.3683% | 4,881 |
| Total domestic deposits to total assets | 85.8486% | 2,508 |
| Equity capital to assets | 11.4852% | 2,214 |
| Core capital (leverage) ratio | 10.7922% | 2,543 |
| Tier 1 risk-based capital ratio | 21.0658% | 1,134 |
| Total risk-based capital ratio | 22.3205% | 1,110 |
| Memoranda: | ||
| Average total assets | $509,453,200 | 1,375 |
| Average earning assets | $473,666,400 | 1,372 |
| Average equity | $57,382,800 | 1,369 |
| Average total loans | $221,440,800 | 1,989 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4614% | 4,883 |
| Cost of funding earning assets | 0.3479% | 3,691 |
| Net interest margin | 3.1135% | 4,676 |
| Noninterest income to average assets | 0.8393% | 1,446 |
| Noninterest expense to average assets | 2.1448% | 4,644 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4875% | 921 |
| Return on assets (ROA) | 1.6519% | 657 |
| Pretax return on assets | 1.7641% | 971 |
| Return on Equity (ROE) | 14.7383% | 692 |
| Retained earnings to average equity (ytd only) | 4.4742% | 3,239 |
| Net charge-offs to loans | 0.0694% | 2,129 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 53.7887% | 1,068 |
| Efficiency ratio | 56.1305% | 4,723 |
| Assets per employee ($millions) | 3.8184% | 4,283 |
| Cash dividends to net income (ytd only)* | 69.6423% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 718 |
| Loan loss allowance to noncurrent loans | 721.8487% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 2,619 |
| Noncurrent loans to loans | 0.2615% | 4,024 |
| Net loans and leases to total assets | 43.9574% | 5,028 |
| Net loans and leases to deposits | 51.1536% | 5,084 |
| Net loans and leases to core deposits | 54.7793% | 5,050 |
| Total domestic deposits to total assets | 85.9322% | 2,335 |
| Equity capital to assets | 11.5476% | 2,323 |
| Core capital (leverage) ratio | 10.7448% | 2,709 |
| Tier 1 risk-based capital ratio | 18.7270% | 1,670 |
| Total risk-based capital ratio | 19.9800% | 1,615 |
| Memoranda: | ||
| Average total assets | $509,933,500 | 1,385 |
| Average earning assets | $474,098,000 | 1,384 |
| Average equity | $57,155,750 | 1,390 |
| Average total loans | $216,970,250 | 2,029 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 4,940 |
| Cost of funding earning assets | 0.3459% | 3,623 |
| Net interest margin | 3.0736% | 4,741 |
| Noninterest income to average assets | 0.8911% | 1,297 |
| Noninterest expense to average assets | 2.0900% | 4,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5541% | 784 |
| Return on assets (ROA) | 1.6454% | 652 |
| Pretax return on assets | 1.7555% | 933 |
| Return on Equity (ROE) | 14.8289% | 690 |
| Retained earnings to average equity (ytd only) | 4.9453% | 2,746 |
| Net charge-offs to loans | 0.1162% | 1,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 34.1452% | 1,374 |
| Efficiency ratio | 54.4514% | 4,981 |
| Assets per employee ($millions) | 3.9374% | 4,071 |
| Cash dividends to net income (ytd only)* | 66.6508% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9393% | 670 |
| Loan loss allowance to noncurrent loans | 342.1725% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 2,386 |
| Noncurrent loans to loans | 0.5668% | 3,034 |
| Net loans and leases to total assets | 41.6785% | 5,160 |
| Net loans and leases to deposits | 48.7301% | 5,182 |
| Net loans and leases to core deposits | 52.2772% | 5,135 |
| Total domestic deposits to total assets | 85.5292% | 2,603 |
| Equity capital to assets | 11.1955% | 2,598 |
| Core capital (leverage) ratio | 10.5739% | 2,841 |
| Tier 1 risk-based capital ratio | 21.5406% | 1,111 |
| Total risk-based capital ratio | 22.7967% | 1,089 |
| Memoranda: | ||
| Average total assets | $510,629,330 | 1,386 |
| Average earning assets | $474,692,670 | 1,385 |
| Average equity | $56,659,670 | 1,396 |
| Average total loans | $213,450,000 | 2,058 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3824% | 4,968 |
| Cost of funding earning assets | 0.3353% | 3,696 |
| Net interest margin | 3.0471% | 4,795 |
| Noninterest income to average assets | 0.7263% | 1,849 |
| Noninterest expense to average assets | 2.0944% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3693% | 1,062 |
| Return on assets (ROA) | 1.5498% | 771 |
| Pretax return on assets | 1.6534% | 1,114 |
| Return on Equity (ROE) | 14.0212% | 806 |
| Retained earnings to average equity (ytd only) | 4.0112% | 3,445 |
| Net charge-offs to loans | 0.2479% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 14.2231% | 1,735 |
| Efficiency ratio | 57.5239% | 4,772 |
| Assets per employee ($millions) | 3.9671% | 4,070 |
| Cash dividends to net income (ytd only)* | 71.3921% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0050% | 664 |
| Loan loss allowance to noncurrent loans | 226.1628% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 1,944 |
| Noncurrent loans to loans | 0.8865% | 2,257 |
| Net loans and leases to total assets | 40.5534% | 5,229 |
| Net loans and leases to deposits | 46.8947% | 5,270 |
| Net loans and leases to core deposits | 50.3258% | 5,210 |
| Total domestic deposits to total assets | 86.4777% | 2,455 |
| Equity capital to assets | 10.9225% | 2,723 |
| Core capital (leverage) ratio | 10.5113% | 2,894 |
| Tier 1 risk-based capital ratio | 21.7834% | 1,111 |
| Total risk-based capital ratio | 23.0400% | 1,083 |
| Memoranda: | ||
| Average total assets | $506,116,500 | 1,404 |
| Average earning assets | $469,959,500 | 1,407 |
| Average equity | $55,944,000 | 1,406 |
| Average total loans | $209,722,500 | 2,098 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,826 |
| Cost of funding earning assets | 0.3500% | 3,519 |
| Net interest margin | 3.1312% | 4,640 |
| Noninterest income to average assets | 0.8832% | 1,470 |
| Noninterest expense to average assets | 2.2471% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4508% | 914 |
| Return on assets (ROA) | 1.4735% | 903 |
| Pretax return on assets | 1.5626% | 1,391 |
| Return on Equity (ROE) | 12.5482% | 1,102 |
| Retained earnings to average equity (ytd only) | 2.9498% | 3,796 |
| Net charge-offs to loans | 0.2162% | 1,279 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 17.8182% | 2,014 |
| Efficiency ratio | 58.0360% | 4,845 |
| Assets per employee ($millions) | 3.6779% | 4,511 |
| Cash dividends to net income (ytd only)* | 76.4923% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1395% | 508 |
| Loan loss allowance to noncurrent loans | 264.7447% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 2,119 |
| Noncurrent loans to loans | 0.8082% | 2,500 |
| Net loans and leases to total assets | 40.6063% | 5,293 |
| Net loans and leases to deposits | 47.2246% | 5,327 |
| Net loans and leases to core deposits | 50.4514% | 5,288 |
| Total domestic deposits to total assets | 85.9855% | 2,590 |
| Equity capital to assets | 11.1898% | 2,431 |
| Core capital (leverage) ratio | 10.4190% | 2,965 |
| Tier 1 risk-based capital ratio | 22.6950% | 997 |
| Total risk-based capital ratio | 23.9531% | 979 |
| Memoranda: | ||
| Average total assets | $496,852,800 | 1,390 |
| Average earning assets | $460,559,200 | 1,382 |
| Average equity | $58,343,200 | 1,322 |
| Average total loans | $198,461,200 | 2,129 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4806% | 4,868 |
| Cost of funding earning assets | 0.3514% | 3,522 |
| Net interest margin | 3.1291% | 4,701 |
| Noninterest income to average assets | 0.8741% | 1,494 |
| Noninterest expense to average assets | 2.2205% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4569% | 960 |
| Return on assets (ROA) | 1.4872% | 945 |
| Pretax return on assets | 1.5859% | 1,422 |
| Return on Equity (ROE) | 12.5179% | 1,165 |
| Retained earnings to average equity (ytd only) | 3.0329% | 4,096 |
| Net charge-offs to loans | 0.1906% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 20.6084% | 1,863 |
| Efficiency ratio | 57.5034% | 4,890 |
| Assets per employee ($millions) | 3.7556% | 4,381 |
| Cash dividends to net income (ytd only)* | 75.7713% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2450% | 477 |
| Loan loss allowance to noncurrent loans | 172.9689% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 2,002 |
| Noncurrent loans to loans | 1.2979% | 1,717 |
| Net loans and leases to total assets | 39.1282% | 5,426 |
| Net loans and leases to deposits | 46.8782% | 5,416 |
| Net loans and leases to core deposits | 49.9705% | 5,386 |
| Total domestic deposits to total assets | 83.4678% | 3,410 |
| Equity capital to assets | 11.8591% | 2,210 |
| Core capital (leverage) ratio | 10.4400% | 3,055 |
| Tier 1 risk-based capital ratio | 23.2580% | 973 |
| Total risk-based capital ratio | 24.5177% | 957 |
| Memoranda: | ||
| Average total assets | $496,937,000 | 1,393 |
| Average earning assets | $460,565,250 | 1,387 |
| Average equity | $59,039,250 | 1,316 |
| Average total loans | $196,570,250 | 2,149 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5062% | 4,847 |
| Cost of funding earning assets | 0.3548% | 3,514 |
| Net interest margin | 3.1514% | 4,686 |
| Noninterest income to average assets | 0.8866% | 1,414 |
| Noninterest expense to average assets | 2.2193% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4845% | 920 |
| Return on assets (ROA) | 1.5017% | 933 |
| Pretax return on assets | 1.6042% | 1,365 |
| Return on Equity (ROE) | 12.6319% | 1,123 |
| Retained earnings to average equity (ytd only) | 3.0881% | 3,938 |
| Net charge-offs to loans | 0.2386% | 989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 16.8707% | 1,908 |
| Efficiency ratio | 56.9907% | 5,027 |
| Assets per employee ($millions) | 3.7599% | 4,345 |
| Cash dividends to net income (ytd only)* | 75.5532% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3353% | 442 |
| Loan loss allowance to noncurrent loans | 273.0290% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.8517% | 2,460 |
| Noncurrent loans to loans | 0.8553% | 2,602 |
| Net loans and leases to total assets | 38.8117% | 5,476 |
| Net loans and leases to deposits | 45.8122% | 5,503 |
| Net loans and leases to core deposits | 48.7035% | 5,475 |
| Total domestic deposits to total assets | 84.7190% | 2,994 |
| Equity capital to assets | 12.2475% | 1,944 |
| Core capital (leverage) ratio | 10.4303% | 3,043 |
| Tier 1 risk-based capital ratio | 23.1581% | 997 |
| Total risk-based capital ratio | 24.4186% | 976 |
| Memoranda: | ||
| Average total assets | $493,581,000 | 1,401 |
| Average earning assets | $457,134,330 | 1,401 |
| Average equity | $58,677,000 | 1,324 |
| Average total loans | $194,447,670 | 2,171 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5517% | 4,760 |
| Cost of funding earning assets | 0.3572% | 3,530 |
| Net interest margin | 3.1945% | 4,599 |
| Noninterest income to average assets | 0.6777% | 2,146 |
| Noninterest expense to average assets | 2.2234% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3288% | 1,190 |
| Return on assets (ROA) | 1.3555% | 1,194 |
| Pretax return on assets | 1.4408% | 1,775 |
| Return on Equity (ROE) | 11.5787% | 1,431 |
| Retained earnings to average equity (ytd only) | 1.8604% | 4,513 |
| Net charge-offs to loans | 0.1533% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 23.4865% | 1,364 |
| Efficiency ratio | 59.7675% | 4,779 |
| Assets per employee ($millions) | 3.7904% | 4,318 |
| Cash dividends to net income (ytd only)* | 83.9329% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 429 |
| Loan loss allowance to noncurrent loans | 619.3758% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 2,470 |
| Noncurrent loans to loans | 0.3903% | 4,040 |
| Net loans and leases to total assets | 38.7214% | 5,522 |
| Net loans and leases to deposits | 45.5500% | 5,531 |
| Net loans and leases to core deposits | 48.4045% | 5,494 |
| Total domestic deposits to total assets | 85.0086% | 3,132 |
| Equity capital to assets | 11.7858% | 2,169 |
| Core capital (leverage) ratio | 10.4103% | 3,059 |
| Tier 1 risk-based capital ratio | 21.7892% | 1,192 |
| Total risk-based capital ratio | 23.0492% | 1,170 |
| Memoranda: | ||
| Average total assets | $492,219,500 | 1,405 |
| Average earning assets | $455,777,000 | 1,403 |
| Average equity | $57,623,000 | 1,346 |
| Average total loans | $193,056,500 | 2,180 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 5,036 |
| Cost of funding earning assets | 0.3788% | 3,386 |
| Net interest margin | 3.0755% | 4,960 |
| Noninterest income to average assets | 0.7638% | 1,919 |
| Noninterest expense to average assets | 2.2751% | 4,861 |
| Loan and lease loss provision to assets | -0.1471% | 5,916 |
| Net operating income to assets | 1.3799% | 1,075 |
| Return on assets (ROA) | 1.4089% | 1,065 |
| Pretax return on assets | 1.4949% | 1,570 |
| Return on Equity (ROE) | 12.0154% | 1,295 |
| Retained earnings to average equity (ytd only) | 1.9832% | 4,597 |
| Net charge-offs to loans | 0.1439% | 1,913 |
| Credit loss provision to net charge-offs | -267.1756% | 5,329 |
| Earnings coverage of net charge-offs (x) | 23.9275% | 1,701 |
| Efficiency ratio | 61.8808% | 4,628 |
| Assets per employee ($millions) | 3.7244% | 4,428 |
| Cash dividends to net income (ytd only)* | 83.4949% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5587% | 370 |
| Loan loss allowance to noncurrent loans | 362.1257% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 2,146 |
| Noncurrent loans to loans | 0.7066% | 3,073 |
| Net loans and leases to total assets | 37.7629% | 5,635 |
| Net loans and leases to deposits | 44.4321% | 5,637 |
| Net loans and leases to core deposits | 47.1927% | 5,595 |
| Total domestic deposits to total assets | 84.9900% | 3,094 |
| Equity capital to assets | 11.6264% | 2,254 |
| Core capital (leverage) ratio | 10.6259% | 2,804 |
| Tier 1 risk-based capital ratio | 21.7263% | 1,185 |
| Total risk-based capital ratio | 22.9867% | 1,161 |
| Memoranda: | ||
| Average total assets | $476,028,400 | 1,421 |
| Average earning assets | $437,750,400 | 1,422 |
| Average equity | $55,820,200 | 1,340 |
| Average total loans | $182,125,600 | 2,217 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 5,064 |
| Cost of funding earning assets | 0.3830% | 3,401 |
| Net interest margin | 3.0828% | 5,007 |
| Noninterest income to average assets | 0.8210% | 1,724 |
| Noninterest expense to average assets | 2.2934% | 4,793 |
| Loan and lease loss provision to assets | -0.1409% | 6,050 |
| Net operating income to assets | 1.4072% | 1,090 |
| Return on assets (ROA) | 1.4459% | 1,061 |
| Pretax return on assets | 1.5386% | 1,580 |
| Return on Equity (ROE) | 12.3032% | 1,295 |
| Retained earnings to average equity (ytd only) | 1.6308% | 5,050 |
| Net charge-offs to loans | 0.1545% | 1,597 |
| Credit loss provision to net charge-offs | -239.2344% | 5,214 |
| Earnings coverage of net charge-offs (x) | 23.0287% | 1,752 |
| Efficiency ratio | 61.3900% | 4,663 |
| Assets per employee ($millions) | 3.6708% | 4,488 |
| Cash dividends to net income (ytd only)* | 86.7447% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7768% | 310 |
| Loan loss allowance to noncurrent loans | 346.7302% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 1.1787% | 2,007 |
| Noncurrent loans to loans | 0.8009% | 2,960 |
| Net loans and leases to total assets | 37.0601% | 5,745 |
| Net loans and leases to deposits | 43.7581% | 5,733 |
| Net loans and leases to core deposits | 46.9408% | 5,698 |
| Total domestic deposits to total assets | 84.6931% | 3,134 |
| Equity capital to assets | 11.7060% | 2,343 |
| Core capital (leverage) ratio | 10.5997% | 2,925 |
| Tier 1 risk-based capital ratio | 22.1342% | 1,178 |
| Total risk-based capital ratio | 23.3967% | 1,154 |
| Memoranda: | ||
| Average total assets | $473,060,500 | 1,430 |
| Average earning assets | $434,102,500 | 1,438 |
| Average equity | $55,594,000 | 1,353 |
| Average total loans | $180,386,250 | 2,245 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4795% | 5,042 |
| Cost of funding earning assets | 0.3876% | 3,397 |
| Net interest margin | 3.0918% | 4,988 |
| Noninterest income to average assets | 0.8256% | 1,675 |
| Noninterest expense to average assets | 2.3063% | 4,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2593% | 1,427 |
| Return on assets (ROA) | 1.3166% | 1,323 |
| Pretax return on assets | 1.4123% | 1,925 |
| Return on Equity (ROE) | 11.1883% | 1,619 |
| Retained earnings to average equity (ytd only) | -0.7334% | 5,650 |
| Net charge-offs to loans | 0.0513% | 2,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 69.0652% | 781 |
| Efficiency ratio | 61.6136% | 4,741 |
| Assets per employee ($millions) | 3.6243% | 4,585 |
| Cash dividends to net income (ytd only)* | 106.5547% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2133% | 217 |
| Loan loss allowance to noncurrent loans | 360.9787% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2947% | 1,944 |
| Noncurrent loans to loans | 0.8902% | 2,904 |
| Net loans and leases to total assets | 36.5040% | 5,792 |
| Net loans and leases to deposits | 42.9526% | 5,804 |
| Net loans and leases to core deposits | 46.0180% | 5,764 |
| Total domestic deposits to total assets | 84.9868% | 3,126 |
| Equity capital to assets | 11.3319% | 2,543 |
| Core capital (leverage) ratio | 10.4932% | 2,964 |
| Tier 1 risk-based capital ratio | 23.6531% | 993 |
| Total risk-based capital ratio | 24.9224% | 972 |
| Memoranda: | ||
| Average total assets | $470,453,670 | 1,447 |
| Average earning assets | $430,810,330 | 1,456 |
| Average equity | $55,361,330 | 1,369 |
| Average total loans | $179,413,330 | 2,264 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 4,995 |
| Cost of funding earning assets | 0.3899% | 3,415 |
| Net interest margin | 3.1015% | 4,945 |
| Noninterest income to average assets | 0.7414% | 1,954 |
| Noninterest expense to average assets | 2.3157% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1675% | 1,641 |
| Return on assets (ROA) | 1.1659% | 1,753 |
| Pretax return on assets | 1.2573% | 2,437 |
| Return on Equity (ROE) | 9.7255% | 2,123 |
| Retained earnings to average equity (ytd only) | 1.5319% | 4,867 |
| Net charge-offs to loans | 0.0690% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 47.5484% | 865 |
| Efficiency ratio | 63.2975% | 4,588 |
| Assets per employee ($millions) | 3.6373% | 4,643 |
| Cash dividends to net income (ytd only)* | 84.2491% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2082% | 243 |
| Loan loss allowance to noncurrent loans | 314.5038% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 1.5039% | 1,742 |
| Noncurrent loans to loans | 1.0201% | 2,722 |
| Net loans and leases to total assets | 36.5221% | 5,803 |
| Net loans and leases to deposits | 43.3111% | 5,784 |
| Net loans and leases to core deposits | 46.2551% | 5,744 |
| Total domestic deposits to total assets | 84.3250% | 3,685 |
| Equity capital to assets | 11.8524% | 2,149 |
| Core capital (leverage) ratio | 10.6650% | 2,781 |
| Tier 1 risk-based capital ratio | 22.6035% | 1,155 |
| Total risk-based capital ratio | 23.8705% | 1,142 |
| Memoranda: | ||
| Average total assets | $468,289,000 | 1,456 |
| Average earning assets | $427,796,500 | 1,474 |
| Average equity | $56,141,000 | 1,356 |
| Average total loans | $179,585,500 | 2,277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7675% | 4,587 |
| Cost of funding earning assets | 0.4227% | 3,451 |
| Net interest margin | 3.3448% | 4,421 |
| Noninterest income to average assets | 0.9162% | 1,453 |
| Noninterest expense to average assets | 2.3355% | 5,010 |
| Loan and lease loss provision to assets | -0.0343% | 5,984 |
| Net operating income to assets | 1.5644% | 772 |
| Return on assets (ROA) | 1.5844% | 764 |
| Pretax return on assets | 1.6816% | 1,023 |
| Return on Equity (ROE) | 13.8064% | 970 |
| Retained earnings to average equity (ytd only) | 5.4320% | 2,309 |
| Net charge-offs to loans | 0.3741% | 1,152 |
| Credit loss provision to net charge-offs | -22.6225% | 5,363 |
| Earnings coverage of net charge-offs (x) | 10.7277% | 2,588 |
| Efficiency ratio | 57.5808% | 5,509 |
| Assets per employee ($millions) | 3.5392% | 4,840 |
| Cash dividends to net income (ytd only)* | 60.6562% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2328% | 230 |
| Loan loss allowance to noncurrent loans | 429.2376% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 1.4384% | 1,915 |
| Noncurrent loans to loans | 0.7531% | 3,439 |
| Net loans and leases to total assets | 37.7275% | 5,867 |
| Net loans and leases to deposits | 45.2084% | 5,833 |
| Net loans and leases to core deposits | 48.2778% | 5,802 |
| Total domestic deposits to total assets | 83.4525% | 3,928 |
| Equity capital to assets | 12.1295% | 1,927 |
| Core capital (leverage) ratio | 10.5923% | 2,847 |
| Tier 1 risk-based capital ratio | 24.0794% | 943 |
| Total risk-based capital ratio | 25.3493% | 922 |
| Memoranda: | ||
| Average total assets | $457,849,200 | 1,460 |
| Average earning assets | $416,857,400 | 1,473 |
| Average equity | $52,540,800 | 1,391 |
| Average total loans | $185,534,800 | 2,167 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7775% | 4,632 |
| Cost of funding earning assets | 0.4268% | 3,498 |
| Net interest margin | 3.3508% | 4,427 |
| Noninterest income to average assets | 0.9403% | 1,394 |
| Noninterest expense to average assets | 2.2894% | 5,136 |
| Loan and lease loss provision to assets | -0.0458% | 6,176 |
| Net operating income to assets | 1.6438% | 678 |
| Return on assets (ROA) | 1.6707% | 679 |
| Pretax return on assets | 1.7745% | 931 |
| Return on Equity (ROE) | 14.7703% | 871 |
| Retained earnings to average equity (ytd only) | 6.9082% | 1,863 |
| Net charge-offs to loans | 0.2609% | 1,496 |
| Credit loss provision to net charge-offs | -42.8962% | 5,328 |
| Earnings coverage of net charge-offs (x) | 15.9316% | 2,021 |
| Efficiency ratio | 56.0184% | 5,660 |
| Assets per employee ($millions) | 3.5101% | 4,844 |
| Cash dividends to net income (ytd only)* | 53.2287% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3714% | 254 |
| Loan loss allowance to noncurrent loans | 365.9498% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 1.5934% | 1,912 |
| Noncurrent loans to loans | 0.9213% | 3,261 |
| Net loans and leases to total assets | 38.4768% | 5,914 |
| Net loans and leases to deposits | 46.2035% | 5,853 |
| Net loans and leases to core deposits | 49.5846% | 5,811 |
| Total domestic deposits to total assets | 83.2768% | 4,041 |
| Equity capital to assets | 12.0203% | 2,038 |
| Core capital (leverage) ratio | 10.6297% | 2,887 |
| Tier 1 risk-based capital ratio | 23.8156% | 1,010 |
| Total risk-based capital ratio | 25.0876% | 988 |
| Memoranda: | ||
| Average total assets | $457,288,000 | 1,469 |
| Average earning assets | $416,134,500 | 1,486 |
| Average equity | $51,724,250 | 1,418 |
| Average total loans | $187,073,250 | 2,156 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 4,537 |
| Cost of funding earning assets | 0.4306% | 3,544 |
| Net interest margin | 3.3671% | 4,330 |
| Noninterest income to average assets | 0.9523% | 1,323 |
| Noninterest expense to average assets | 2.2722% | 5,224 |
| Loan and lease loss provision to assets | -0.0101% | 6,230 |
| Net operating income to assets | 1.6572% | 632 |
| Return on assets (ROA) | 1.6883% | 622 |
| Pretax return on assets | 1.7849% | 870 |
| Return on Equity (ROE) | 15.2441% | 754 |
| Retained earnings to average equity (ytd only) | 7.7463% | 1,414 |
| Net charge-offs to loans | 0.1461% | 2,216 |
| Credit loss provision to net charge-offs | -16.6667% | 5,096 |
| Earnings coverage of net charge-offs (x) | 28.8841% | 1,291 |
| Efficiency ratio | 55.2422% | 5,814 |
| Assets per employee ($millions) | 3.5754% | 4,706 |
| Cash dividends to net income (ytd only)* | 49.1846% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4968% | 247 |
| Loan loss allowance to noncurrent loans | 462.9101% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 1.5934% | 2,058 |
| Noncurrent loans to loans | 0.7554% | 3,814 |
| Net loans and leases to total assets | 38.8328% | 5,902 |
| Net loans and leases to deposits | 46.3225% | 5,866 |
| Net loans and leases to core deposits | 49.5118% | 5,826 |
| Total domestic deposits to total assets | 83.8313% | 3,980 |
| Equity capital to assets | 11.6620% | 2,272 |
| Core capital (leverage) ratio | 10.3468% | 3,140 |
| Tier 1 risk-based capital ratio | 21.9546% | 1,263 |
| Total risk-based capital ratio | 23.2267% | 1,240 |
| Memoranda: | ||
| Average total assets | $457,611,000 | 1,466 |
| Average earning assets | $416,149,330 | 1,479 |
| Average equity | $50,682,000 | 1,431 |
| Average total loans | $188,863,330 | 2,142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 4,396 |
| Cost of funding earning assets | 0.4382% | 3,555 |
| Net interest margin | 3.3825% | 4,210 |
| Noninterest income to average assets | 0.9522% | 1,253 |
| Noninterest expense to average assets | 2.3036% | 5,187 |
| Loan and lease loss provision to assets | -0.0044% | 6,378 |
| Net operating income to assets | 1.6297% | 639 |
| Return on assets (ROA) | 1.6639% | 626 |
| Pretax return on assets | 1.7578% | 866 |
| Return on Equity (ROE) | 15.4369% | 715 |
| Retained earnings to average equity (ytd only) | 7.7022% | 1,724 |
| Net charge-offs to loans | -0.0084% | 4,981 |
| Credit loss provision to net charge-offs | 125.0000% | 1,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9363% | 5,842 |
| Assets per employee ($millions) | 3.6371% | 4,652 |
| Cash dividends to net income (ytd only)* | 50.1055% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5209% | 265 |
| Loan loss allowance to noncurrent loans | 352.5981% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 1.8305% | 1,903 |
| Noncurrent loans to loans | 0.9986% | 3,421 |
| Net loans and leases to total assets | 39.4501% | 5,848 |
| Net loans and leases to deposits | 46.7723% | 5,801 |
| Net loans and leases to core deposits | 49.9604% | 5,764 |
| Total domestic deposits to total assets | 84.3449% | 4,146 |
| Equity capital to assets | 10.9792% | 2,734 |
| Core capital (leverage) ratio | 10.1231% | 3,397 |
| Tier 1 risk-based capital ratio | 22.3050% | 1,244 |
| Total risk-based capital ratio | 23.5745% | 1,218 |
| Memoranda: | ||
| Average total assets | $455,804,500 | 1,475 |
| Average earning assets | $413,542,500 | 1,497 |
| Average equity | $49,129,000 | 1,461 |
| Average total loans | $190,497,000 | 2,129 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,433 |
| Cost of funding earning assets | 0.5338% | 3,256 |
| Net interest margin | 3.6410% | 3,279 |
| Noninterest income to average assets | 0.8481% | 1,873 |
| Noninterest expense to average assets | 2.3926% | 5,091 |
| Loan and lease loss provision to assets | 0.1148% | 2,894 |
| Net operating income to assets | 1.5379% | 768 |
| Return on assets (ROA) | 1.5373% | 804 |
| Pretax return on assets | 1.6470% | 1,058 |
| Return on Equity (ROE) | 14.2214% | 900 |
| Retained earnings to average equity (ytd only) | 6.6071% | 1,621 |
| Net charge-offs to loans | 0.0939% | 3,907 |
| Credit loss provision to net charge-offs | 273.8220% | 830 |
| Earnings coverage of net charge-offs (x) | 42.0419% | 908 |
| Efficiency ratio | 56.2675% | 5,922 |
| Assets per employee ($millions) | 3.5976% | 4,687 |
| Cash dividends to net income (ytd only)* | 53.5408% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4614% | 301 |
| Loan loss allowance to noncurrent loans | 327.4249% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 2.0013% | 1,796 |
| Noncurrent loans to loans | 1.0571% | 3,399 |
| Net loans and leases to total assets | 41.2432% | 5,875 |
| Net loans and leases to deposits | 48.8498% | 5,841 |
| Net loans and leases to core deposits | 52.2733% | 5,776 |
| Total domestic deposits to total assets | 84.4285% | 4,001 |
| Equity capital to assets | 10.5724% | 3,076 |
| Core capital (leverage) ratio | 10.1253% | 3,395 |
| Tier 1 risk-based capital ratio | 19.8383% | 1,691 |
| Total risk-based capital ratio | 21.1090% | 1,656 |
| Memoranda: | ||
| Average total assets | $455,611,200 | 1,456 |
| Average earning assets | $413,811,600 | 1,470 |
| Average equity | $49,249,800 | 1,433 |
| Average total loans | $203,356,800 | 1,979 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 3,503 |
| Cost of funding earning assets | 0.5448% | 3,322 |
| Net interest margin | 3.6220% | 3,348 |
| Noninterest income to average assets | 0.7362% | 2,431 |
| Noninterest expense to average assets | 2.3187% | 5,280 |
| Loan and lease loss provision to assets | 0.1552% | 2,324 |
| Net operating income to assets | 1.4555% | 974 |
| Return on assets (ROA) | 1.4550% | 1,026 |
| Pretax return on assets | 1.5544% | 1,459 |
| Return on Equity (ROE) | 13.3877% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.8725% | 2,492 |
| Net charge-offs to loans | 0.1287% | 3,240 |
| Credit loss provision to net charge-offs | 267.3367% | 939 |
| Earnings coverage of net charge-offs (x) | 29.4620% | 1,250 |
| Efficiency ratio | 56.1975% | 5,879 |
| Assets per employee ($millions) | 3.6355% | 4,586 |
| Cash dividends to net income (ytd only)* | 56.1347% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3355% | 396 |
| Loan loss allowance to noncurrent loans | 283.0992% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 1.8200% | 2,246 |
| Noncurrent loans to loans | 1.1782% | 3,468 |
| Net loans and leases to total assets | 42.4088% | 5,868 |
| Net loans and leases to deposits | 50.1578% | 5,824 |
| Net loans and leases to core deposits | 53.6948% | 5,787 |
| Total domestic deposits to total assets | 84.5507% | 3,951 |
| Equity capital to assets | 10.4245% | 3,369 |
| Core capital (leverage) ratio | 9.7904% | 3,972 |
| Tier 1 risk-based capital ratio | 18.9614% | 2,003 |
| Total risk-based capital ratio | 20.2314% | 1,953 |
| Memoranda: | ||
| Average total assets | $457,088,750 | 1,458 |
| Average earning assets | $415,526,250 | 1,475 |
| Average equity | $49,676,250 | 1,433 |
| Average total loans | $206,165,750 | 1,964 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 3,359 |
| Cost of funding earning assets | 0.5667% | 3,250 |
| Net interest margin | 3.6363% | 3,221 |
| Noninterest income to average assets | 0.6271% | 3,035 |
| Noninterest expense to average assets | 2.3255% | 5,291 |
| Loan and lease loss provision to assets | 0.1559% | 2,367 |
| Net operating income to assets | 1.3556% | 1,178 |
| Return on assets (ROA) | 1.3564% | 1,261 |
| Pretax return on assets | 1.4534% | 1,758 |
| Return on Equity (ROE) | 12.3146% | 1,398 |
| Retained earnings to average equity (ytd only) | 4.9798% | 3,069 |
| Net charge-offs to loans | 0.0230% | 4,378 |
| Credit loss provision to net charge-offs | 1,487.5000% | 221 |
| Earnings coverage of net charge-offs (x) | 153.4583% | 322 |
| Efficiency ratio | 57.7265% | 5,776 |
| Assets per employee ($millions) | 3.5614% | 4,728 |
| Cash dividends to net income (ytd only)* | 59.5621% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2676% | 453 |
| Loan loss allowance to noncurrent loans | 511.1453% | 858 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 2,489 |
| Noncurrent loans to loans | 0.6393% | 4,663 |
| Net loans and leases to total assets | 43.1845% | 5,810 |
| Net loans and leases to deposits | 51.0115% | 5,772 |
| Net loans and leases to core deposits | 54.6859% | 5,697 |
| Total domestic deposits to total assets | 84.6564% | 4,059 |
| Equity capital to assets | 10.3586% | 3,482 |
| Core capital (leverage) ratio | 9.5579% | 4,147 |
| Tier 1 risk-based capital ratio | 18.3296% | 2,200 |
| Total risk-based capital ratio | 19.5991% | 2,157 |
| Memoranda: | ||
| Average total assets | $457,971,330 | 1,455 |
| Average earning assets | $416,464,330 | 1,465 |
| Average equity | $50,444,000 | 1,416 |
| Average total loans | $208,430,000 | 1,951 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 3,246 |
| Cost of funding earning assets | 0.5886% | 3,219 |
| Net interest margin | 3.6253% | 3,163 |
| Noninterest income to average assets | 0.6971% | 2,600 |
| Noninterest expense to average assets | 2.3023% | 5,416 |
| Loan and lease loss provision to assets | 0.1455% | 2,421 |
| Net operating income to assets | 1.4447% | 965 |
| Return on assets (ROA) | 1.4431% | 1,047 |
| Pretax return on assets | 1.5485% | 1,428 |
| Return on Equity (ROE) | 12.7249% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.7249% | 591 |
| Net charge-offs to loans | 0.4476% | 1,337 |
| Credit loss provision to net charge-offs | 70.7627% | 2,279 |
| Earnings coverage of net charge-offs (x) | 8.2458% | 1,963 |
| Efficiency ratio | 56.2337% | 6,038 |
| Assets per employee ($millions) | 3.5967% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9884% | 666 |
| Loan loss allowance to noncurrent loans | 538.1568% | 803 |
| Noncurrent assets plus other real estate owned to assets | 1.3237% | 3,307 |
| Noncurrent loans to loans | 0.5553% | 5,051 |
| Net loans and leases to total assets | 44.0563% | 5,660 |
| Net loans and leases to deposits | 52.6777% | 5,556 |
| Net loans and leases to core deposits | 56.2359% | 5,503 |
| Total domestic deposits to total assets | 83.6336% | 4,619 |
| Equity capital to assets | 11.3907% | 2,534 |
| Core capital (leverage) ratio | 9.6401% | 3,861 |
| Tier 1 risk-based capital ratio | 19.5899% | 1,885 |
| Total risk-based capital ratio | 20.8593% | 1,858 |
| Memoranda: | ||
| Average total assets | $459,025,500 | 1,463 |
| Average earning assets | $417,956,000 | 1,476 |
| Average equity | $52,055,500 | 1,402 |
| Average total loans | $210,889,000 | 1,940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 3,005 |
| Cost of funding earning assets | 0.7495% | 3,094 |
| Net interest margin | 3.8503% | 3,025 |
| Noninterest income to average assets | 0.7473% | 2,510 |
| Noninterest expense to average assets | 2.3504% | 5,561 |
| Loan and lease loss provision to assets | 0.4753% | 1,297 |
| Net operating income to assets | 1.3229% | 1,251 |
| Return on assets (ROA) | 1.4095% | 1,197 |
| Pretax return on assets | 1.5036% | 1,665 |
| Return on Equity (ROE) | 12.9480% | 1,237 |
| Retained earnings to average equity (ytd only) | 4.0587% | 3,361 |
| Net charge-offs to loans | 1.0012% | 1,092 |
| Credit loss provision to net charge-offs | 97.2547% | 3,188 |
| Earnings coverage of net charge-offs (x) | 3.8609% | 3,567 |
| Efficiency ratio | 54.1783% | 6,246 |
| Assets per employee ($millions) | 3.5206% | 4,971 |
| Cash dividends to net income (ytd only)* | 68.6535% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9703% | 686 |
| Loan loss allowance to noncurrent loans | 301.2876% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.6359% | 2,951 |
| Noncurrent loans to loans | 0.9859% | 4,220 |
| Net loans and leases to total assets | 45.0948% | 5,714 |
| Net loans and leases to deposits | 54.1745% | 5,634 |
| Net loans and leases to core deposits | 57.9017% | 5,553 |
| Total domestic deposits to total assets | 83.2398% | 4,627 |
| Equity capital to assets | 11.2899% | 2,638 |
| Core capital (leverage) ratio | 9.3353% | 4,351 |
| Tier 1 risk-based capital ratio | 17.3139% | 2,520 |
| Total risk-based capital ratio | 18.5809% | 2,487 |
| Memoranda: | ||
| Average total assets | $454,697,600 | 1,442 |
| Average earning assets | $412,119,000 | 1,462 |
| Average equity | $49,498,000 | 1,432 |
| Average total loans | $221,925,800 | 1,824 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 2,973 |
| Cost of funding earning assets | 0.7699% | 3,192 |
| Net interest margin | 3.8893% | 2,951 |
| Noninterest income to average assets | 0.7360% | 2,544 |
| Noninterest expense to average assets | 2.3867% | 5,437 |
| Loan and lease loss provision to assets | 0.4873% | 1,266 |
| Net operating income to assets | 1.2797% | 1,495 |
| Return on assets (ROA) | 1.3910% | 1,369 |
| Pretax return on assets | 1.5038% | 1,866 |
| Return on Equity (ROE) | 12.8987% | 1,363 |
| Retained earnings to average equity (ytd only) | 3.3663% | 4,499 |
| Net charge-offs to loans | 0.1290% | 4,090 |
| Credit loss provision to net charge-offs | 764.5161% | 368 |
| Earnings coverage of net charge-offs (x) | 29.3406% | 1,117 |
| Efficiency ratio | 54.7782% | 6,164 |
| Assets per employee ($millions) | 3.6193% | 4,720 |
| Cash dividends to net income (ytd only)* | 73.9020% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5910% | 429 |
| Loan loss allowance to noncurrent loans | 302.0471% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 2,675 |
| Noncurrent loans to loans | 1.1889% | 4,075 |
| Net loans and leases to total assets | 46.0369% | 5,760 |
| Net loans and leases to deposits | 55.2596% | 5,692 |
| Net loans and leases to core deposits | 59.3581% | 5,620 |
| Total domestic deposits to total assets | 83.3103% | 4,515 |
| Equity capital to assets | 11.2745% | 2,960 |
| Core capital (leverage) ratio | 9.1943% | 4,776 |
| Tier 1 risk-based capital ratio | 16.8047% | 2,835 |
| Total risk-based capital ratio | 18.0787% | 2,777 |
| Memoranda: | ||
| Average total assets | $453,953,500 | 1,465 |
| Average earning assets | $410,930,250 | 1,484 |
| Average equity | $48,954,750 | 1,455 |
| Average total loans | $224,231,000 | 1,828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 2,852 |
| Cost of funding earning assets | 0.7893% | 3,281 |
| Net interest margin | 3.9275% | 2,804 |
| Noninterest income to average assets | 0.6486% | 2,962 |
| Noninterest expense to average assets | 2.3849% | 5,507 |
| Loan and lease loss provision to assets | 0.4002% | 1,639 |
| Net operating income to assets | 1.3127% | 1,409 |
| Return on assets (ROA) | 1.3886% | 1,358 |
| Pretax return on assets | 1.4976% | 1,850 |
| Return on Equity (ROE) | 13.0759% | 1,345 |
| Retained earnings to average equity (ytd only) | 2.2728% | 5,057 |
| Net charge-offs to loans | 0.7739% | 1,420 |
| Credit loss provision to net charge-offs | 103.5388% | 2,634 |
| Earnings coverage of net charge-offs (x) | 4.6986% | 3,012 |
| Efficiency ratio | 55.4564% | 6,177 |
| Assets per employee ($millions) | 3.5037% | 4,976 |
| Cash dividends to net income (ytd only)* | 82.6184% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9029% | 868 |
| Loan loss allowance to noncurrent loans | 277.3258% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 2.2696% | 2,467 |
| Noncurrent loans to loans | 1.0468% | 4,424 |
| Net loans and leases to total assets | 46.7052% | 5,758 |
| Net loans and leases to deposits | 55.7278% | 5,681 |
| Net loans and leases to core deposits | 59.8725% | 5,604 |
| Total domestic deposits to total assets | 83.8095% | 4,394 |
| Equity capital to assets | 10.7140% | 3,438 |
| Core capital (leverage) ratio | 8.9367% | 5,002 |
| Tier 1 risk-based capital ratio | 16.9035% | 2,716 |
| Total risk-based capital ratio | 18.1712% | 2,663 |
| Memoranda: | ||
| Average total assets | $453,259,330 | 1,470 |
| Average earning assets | $409,982,000 | 1,486 |
| Average equity | $48,134,330 | 1,464 |
| Average total loans | $226,386,330 | 1,803 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 2,523 |
| Cost of funding earning assets | 0.8293% | 3,237 |
| Net interest margin | 4.0001% | 2,507 |
| Noninterest income to average assets | 0.8144% | 2,095 |
| Noninterest expense to average assets | 2.4183% | 5,411 |
| Loan and lease loss provision to assets | 0.6412% | 859 |
| Net operating income to assets | 1.2755% | 1,517 |
| Return on assets (ROA) | 1.2904% | 1,648 |
| Pretax return on assets | 1.3819% | 2,243 |
| Return on Equity (ROE) | 12.2065% | 1,613 |
| Retained earnings to average equity (ytd only) | 5.0657% | 3,516 |
| Net charge-offs to loans | 1.2077% | 852 |
| Credit loss provision to net charge-offs | 104.3353% | 2,214 |
| Earnings coverage of net charge-offs (x) | 3.2659% | 2,897 |
| Efficiency ratio | 53.4016% | 6,399 |
| Assets per employee ($millions) | 3.4949% | 5,131 |
| Cash dividends to net income (ytd only)* | 58.4997% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8344% | 977 |
| Loan loss allowance to noncurrent loans | 291.8488% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 2.5730% | 2,299 |
| Noncurrent loans to loans | 0.9712% | 4,737 |
| Net loans and leases to total assets | 48.3584% | 5,507 |
| Net loans and leases to deposits | 57.8182% | 5,395 |
| Net loans and leases to core deposits | 62.0442% | 5,319 |
| Total domestic deposits to total assets | 83.6387% | 4,660 |
| Equity capital to assets | 10.7049% | 3,265 |
| Core capital (leverage) ratio | 8.9240% | 4,957 |
| Tier 1 risk-based capital ratio | 16.2674% | 3,037 |
| Total risk-based capital ratio | 17.5341% | 2,987 |
| Memoranda: | ||
| Average total assets | $450,399,500 | 1,483 |
| Average earning assets | $406,585,000 | 1,494 |
| Average equity | $47,614,000 | 1,471 |
| Average total loans | $229,191,500 | 1,797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 1,862 |
| Cost of funding earning assets | 1.0433% | 3,075 |
| Net interest margin | 4.2089% | 2,029 |
| Noninterest income to average assets | 0.7975% | 2,074 |
| Noninterest expense to average assets | 2.5877% | 5,141 |
| Loan and lease loss provision to assets | 0.7738% | 1,289 |
| Net operating income to assets | 1.1577% | 1,649 |
| Return on assets (ROA) | 1.2322% | 1,526 |
| Pretax return on assets | 1.3044% | 2,114 |
| Return on Equity (ROE) | 13.2948% | 1,092 |
| Retained earnings to average equity (ytd only) | 5.9538% | 2,042 |
| Net charge-offs to loans | 1.2755% | 1,299 |
| Credit loss provision to net charge-offs | 111.9527% | 2,958 |
| Earnings coverage of net charge-offs (x) | 2.8920% | 3,759 |
| Efficiency ratio | 55.2184% | 6,397 |
| Assets per employee ($millions) | 3.4880% | 5,041 |
| Cash dividends to net income (ytd only)* | 55.2169% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3843% | 1,483 |
| Loan loss allowance to noncurrent loans | 250.9289% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 2.4640% | 2,470 |
| Noncurrent loans to loans | 0.9502% | 4,804 |
| Net loans and leases to total assets | 50.7828% | 5,490 |
| Net loans and leases to deposits | 60.7279% | 5,402 |
| Net loans and leases to core deposits | 65.1848% | 5,344 |
| Total domestic deposits to total assets | 83.6235% | 4,493 |
| Equity capital to assets | 10.4358% | 3,604 |
| Core capital (leverage) ratio | 9.0042% | 4,780 |
| Tier 1 risk-based capital ratio | 16.6753% | 2,746 |
| Total risk-based capital ratio | 17.9386% | 2,701 |
| Memoranda: | ||
| Average total assets | $452,683,400 | 1,450 |
| Average earning assets | $407,536,800 | 1,461 |
| Average equity | $41,956,200 | 1,602 |
| Average total loans | $245,323,800 | 1,705 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 1,848 |
| Cost of funding earning assets | 1.0936% | 3,024 |
| Net interest margin | 4.2080% | 2,064 |
| Noninterest income to average assets | 0.7658% | 2,223 |
| Noninterest expense to average assets | 2.6394% | 4,941 |
| Loan and lease loss provision to assets | 0.5765% | 1,705 |
| Net operating income to assets | 1.2406% | 1,541 |
| Return on assets (ROA) | 1.2463% | 1,630 |
| Pretax return on assets | 1.3420% | 2,143 |
| Return on Equity (ROE) | 13.8764% | 1,061 |
| Retained earnings to average equity (ytd only) | 3.8106% | 4,020 |
| Net charge-offs to loans | 1.3151% | 1,170 |
| Credit loss provision to net charge-offs | 80.0979% | 4,138 |
| Earnings coverage of net charge-offs (x) | 2.6570% | 3,792 |
| Efficiency ratio | 56.7808% | 6,176 |
| Assets per employee ($millions) | 3.4188% | 5,206 |
| Cash dividends to net income (ytd only)* | 72.5388% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 2,456 |
| Loan loss allowance to noncurrent loans | 187.3048% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 2.5227% | 2,559 |
| Noncurrent loans to loans | 1.0442% | 4,815 |
| Net loans and leases to total assets | 51.1778% | 5,556 |
| Net loans and leases to deposits | 60.6196% | 5,563 |
| Net loans and leases to core deposits | 65.1523% | 5,507 |
| Total domestic deposits to total assets | 84.4244% | 4,041 |
| Equity capital to assets | 9.7707% | 4,667 |
| Core capital (leverage) ratio | 8.4499% | 5,778 |
| Tier 1 risk-based capital ratio | 15.6077% | 3,329 |
| Total risk-based capital ratio | 16.8660% | 3,287 |
| Memoranda: | ||
| Average total assets | $454,238,250 | 1,457 |
| Average earning assets | $408,669,250 | 1,475 |
| Average equity | $40,797,250 | 1,647 |
| Average total loans | $248,588,500 | 1,697 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3345% | 1,767 |
| Cost of funding earning assets | 1.1498% | 2,902 |
| Net interest margin | 4.1846% | 2,101 |
| Noninterest income to average assets | 0.7476% | 2,270 |
| Noninterest expense to average assets | 2.6197% | 5,115 |
| Loan and lease loss provision to assets | 0.5608% | 1,725 |
| Net operating income to assets | 1.2368% | 1,470 |
| Return on assets (ROA) | 1.2372% | 1,545 |
| Pretax return on assets | 1.3278% | 2,050 |
| Return on Equity (ROE) | 14.1960% | 936 |
| Retained earnings to average equity (ytd only) | 3.1513% | 4,267 |
| Net charge-offs to loans | 0.8493% | 1,806 |
| Credit loss provision to net charge-offs | 118.8026% | 2,585 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 2,997 |
| Efficiency ratio | 56.9008% | 6,309 |
| Assets per employee ($millions) | 3.4433% | 5,095 |
| Cash dividends to net income (ytd only)* | 77.8016% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1920% | 1,938 |
| Loan loss allowance to noncurrent loans | 160.2269% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 2.7195% | 2,458 |
| Noncurrent loans to loans | 1.3681% | 4,366 |
| Net loans and leases to total assets | 53.0808% | 5,421 |
| Net loans and leases to deposits | 62.5322% | 5,443 |
| Net loans and leases to core deposits | 67.2601% | 5,362 |
| Total domestic deposits to total assets | 84.8855% | 3,926 |
| Equity capital to assets | 9.1844% | 5,305 |
| Core capital (leverage) ratio | 8.3956% | 5,719 |
| Tier 1 risk-based capital ratio | 15.1533% | 3,423 |
| Total risk-based capital ratio | 16.4145% | 3,374 |
| Memoranda: | ||
| Average total assets | $452,946,000 | 1,470 |
| Average earning assets | $407,013,670 | 1,495 |
| Average equity | $39,476,000 | 1,694 |
| Average total loans | $251,741,330 | 1,701 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2749% | 1,955 |
| Cost of funding earning assets | 1.2152% | 2,716 |
| Net interest margin | 4.0598% | 2,435 |
| Noninterest income to average assets | 0.7244% | 2,418 |
| Noninterest expense to average assets | 2.4799% | 5,629 |
| Loan and lease loss provision to assets | 0.6107% | 1,404 |
| Net operating income to assets | 1.2012% | 1,517 |
| Return on assets (ROA) | 1.2012% | 1,564 |
| Pretax return on assets | 1.2787% | 2,106 |
| Return on Equity (ROE) | 14.1610% | 960 |
| Retained earnings to average equity (ytd only) | 6.2649% | 2,486 |
| Net charge-offs to loans | 0.3182% | 2,779 |
| Credit loss provision to net charge-offs | 341.3793% | 954 |
| Earnings coverage of net charge-offs (x) | 10.5616% | 1,627 |
| Efficiency ratio | 55.5063% | 6,554 |
| Assets per employee ($millions) | 3.5073% | 4,980 |
| Cash dividends to net income (ytd only)* | 55.7594% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2340% | 1,883 |
| Loan loss allowance to noncurrent loans | 177.8590% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 2.7643% | 2,498 |
| Noncurrent loans to loans | 1.2560% | 4,587 |
| Net loans and leases to total assets | 54.1570% | 5,281 |
| Net loans and leases to deposits | 63.4989% | 5,326 |
| Net loans and leases to core deposits | 67.7806% | 5,320 |
| Total domestic deposits to total assets | 85.2880% | 3,891 |
| Equity capital to assets | 8.6839% | 5,679 |
| Core capital (leverage) ratio | 8.3139% | 5,785 |
| Tier 1 risk-based capital ratio | 13.3449% | 4,546 |
| Total risk-based capital ratio | 14.6041% | 4,520 |
| Memoranda: | ||
| Average total assets | $453,883,500 | 1,479 |
| Average earning assets | $407,512,500 | 1,495 |
| Average equity | $38,500,000 | 1,730 |
| Average total loans | $255,213,000 | 1,696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8039% | 1,270 |
| Cost of funding earning assets | 1.5251% | 2,499 |
| Net interest margin | 4.2788% | 1,891 |
| Noninterest income to average assets | 0.8937% | 1,867 |
| Noninterest expense to average assets | 2.5486% | 5,617 |
| Loan and lease loss provision to assets | 0.9554% | 1,706 |
| Net operating income to assets | 1.1204% | 1,639 |
| Return on assets (ROA) | 1.0613% | 1,924 |
| Pretax return on assets | 1.1272% | 2,477 |
| Return on Equity (ROE) | 12.5180% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.3751% | 1,633 |
| Net charge-offs to loans | 0.9767% | 2,226 |
| Credit loss provision to net charge-offs | 161.7978% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.6333% | 3,262 |
| Efficiency ratio | 53.1213% | 6,883 |
| Assets per employee ($millions) | 3.4494% | 5,056 |
| Cash dividends to net income (ytd only)* | 49.0727% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9658% | 2,390 |
| Loan loss allowance to noncurrent loans | 146.7951% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 2.9098% | 2,408 |
| Noncurrent loans to loans | 1.3391% | 4,481 |
| Net loans and leases to total assets | 55.9361% | 5,356 |
| Net loans and leases to deposits | 65.4889% | 5,455 |
| Net loans and leases to core deposits | 69.7814% | 5,461 |
| Total domestic deposits to total assets | 85.4131% | 3,657 |
| Equity capital to assets | 8.2821% | 6,166 |
| Core capital (leverage) ratio | 8.0982% | 6,021 |
| Tier 1 risk-based capital ratio | 13.9510% | 3,901 |
| Total risk-based capital ratio | 15.2097% | 3,862 |
| Memoranda: | ||
| Average total assets | $452,169,400 | 1,471 |
| Average earning assets | $401,609,600 | 1,515 |
| Average equity | $38,336,800 | 1,722 |
| Average total loans | $273,381,200 | 1,634 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8260% | 1,328 |
| Cost of funding earning assets | 1.5747% | 2,532 |
| Net interest margin | 4.2514% | 2,028 |
| Noninterest income to average assets | 0.9402% | 1,647 |
| Noninterest expense to average assets | 2.5474% | 5,529 |
| Loan and lease loss provision to assets | 0.9216% | 1,631 |
| Net operating income to assets | 1.1175% | 1,833 |
| Return on assets (ROA) | 1.0811% | 2,072 |
| Pretax return on assets | 1.1957% | 2,503 |
| Return on Equity (ROE) | 12.6772% | 1,344 |
| Retained earnings to average equity (ytd only) | 4.5201% | 3,330 |
| Net charge-offs to loans | 0.8671% | 2,279 |
| Credit loss provision to net charge-offs | 173.3333% | 2,122 |
| Earnings coverage of net charge-offs (x) | 4.0583% | 3,200 |
| Efficiency ratio | 52.9663% | 6,894 |
| Assets per employee ($millions) | 3.4012% | 5,204 |
| Cash dividends to net income (ytd only)* | 64.3442% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7743% | 2,872 |
| Loan loss allowance to noncurrent loans | 85.5888% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 3.4378% | 2,066 |
| Noncurrent loans to loans | 2.0730% | 3,596 |
| Net loans and leases to total assets | 57.5721% | 5,324 |
| Net loans and leases to deposits | 67.7973% | 5,445 |
| Net loans and leases to core deposits | 72.4536% | 5,460 |
| Total domestic deposits to total assets | 84.9180% | 3,653 |
| Equity capital to assets | 8.8760% | 5,738 |
| Core capital (leverage) ratio | 7.8410% | 6,528 |
| Tier 1 risk-based capital ratio | 13.2948% | 4,358 |
| Total risk-based capital ratio | 14.5515% | 4,320 |
| Memoranda: | ||
| Average total assets | $451,381,500 | 1,496 |
| Average earning assets | $399,737,000 | 1,538 |
| Average equity | $38,493,500 | 1,733 |
| Average total loans | $276,777,500 | 1,638 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9140% | 1,151 |
| Cost of funding earning assets | 1.6254% | 2,511 |
| Net interest margin | 4.2886% | 1,826 |
| Noninterest income to average assets | 0.9301% | 1,582 |
| Noninterest expense to average assets | 2.6476% | 5,138 |
| Loan and lease loss provision to assets | 0.8779% | 1,657 |
| Net operating income to assets | 1.0744% | 1,934 |
| Return on assets (ROA) | 1.1186% | 1,856 |
| Pretax return on assets | 1.2398% | 2,292 |
| Return on Equity (ROE) | 13.3017% | 1,176 |
| Retained earnings to average equity (ytd only) | 4.4251% | 3,258 |
| Net charge-offs to loans | 0.8599% | 2,108 |
| Credit loss provision to net charge-offs | 164.0300% | 2,405 |
| Earnings coverage of net charge-offs (x) | 3.8651% | 3,146 |
| Efficiency ratio | 54.9655% | 6,770 |
| Assets per employee ($millions) | 3.3330% | 5,343 |
| Cash dividends to net income (ytd only)* | 66.7331% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,698 |
| Loan loss allowance to noncurrent loans | 98.8070% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 3.2094% | 2,207 |
| Noncurrent loans to loans | 1.5618% | 4,369 |
| Net loans and leases to total assets | 59.0205% | 5,243 |
| Net loans and leases to deposits | 69.1816% | 5,392 |
| Net loans and leases to core deposits | 73.8114% | 5,467 |
| Total domestic deposits to total assets | 85.3125% | 3,461 |
| Equity capital to assets | 8.4551% | 6,224 |
| Core capital (leverage) ratio | 7.7392% | 6,569 |
| Tier 1 risk-based capital ratio | 13.1580% | 4,318 |
| Total risk-based capital ratio | 14.4121% | 4,272 |
| Memoranda: | ||
| Average total assets | $448,789,330 | 1,522 |
| Average earning assets | $396,211,670 | 1,565 |
| Average equity | $37,739,670 | 1,761 |
| Average total loans | $279,329,330 | 1,640 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0063% | 974 |
| Cost of funding earning assets | 1.6760% | 2,504 |
| Net interest margin | 4.3303% | 1,594 |
| Noninterest income to average assets | 0.9252% | 1,534 |
| Noninterest expense to average assets | 2.7145% | 4,839 |
| Loan and lease loss provision to assets | 0.7822% | 1,615 |
| Net operating income to assets | 1.1257% | 1,751 |
| Return on assets (ROA) | 1.1257% | 1,830 |
| Pretax return on assets | 1.2453% | 2,218 |
| Return on Equity (ROE) | 13.4243% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.4243% | 568 |
| Net charge-offs to loans | 0.5614% | 2,396 |
| Credit loss provision to net charge-offs | 219.6970% | 1,712 |
| Earnings coverage of net charge-offs (x) | 5.6944% | 2,347 |
| Efficiency ratio | 56.0675% | 6,753 |
| Assets per employee ($millions) | 3.1988% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,376 |
| Loan loss allowance to noncurrent loans | 101.4979% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 3.2515% | 2,205 |
| Noncurrent loans to loans | 1.3885% | 4,648 |
| Net loans and leases to total assets | 61.8323% | 4,794 |
| Net loans and leases to deposits | 72.8094% | 4,945 |
| Net loans and leases to core deposits | 77.5031% | 5,085 |
| Total domestic deposits to total assets | 84.9235% | 3,712 |
| Equity capital to assets | 8.5383% | 5,947 |
| Core capital (leverage) ratio | 8.0120% | 6,225 |
| Tier 1 risk-based capital ratio | 13.1980% | 4,210 |
| Total risk-based capital ratio | 14.4504% | 4,161 |
| Memoranda: | ||
| Average total assets | $444,871,000 | 1,578 |
| Average earning assets | $392,124,500 | 1,617 |
| Average equity | $37,305,500 | 1,801 |
| Average total loans | $282,130,500 | 1,668 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4831% | 696 |
| Cost of funding earning assets | 2.2365% | 1,879 |
| Net interest margin | 4.2466% | 1,906 |
| Noninterest income to average assets | 0.4128% | 5,102 |
| Noninterest expense to average assets | 2.4807% | 6,205 |
| Loan and lease loss provision to assets | 1.2821% | 1,804 |
| Net operating income to assets | 0.4059% | 4,107 |
| Return on assets (ROA) | 0.7323% | 2,883 |
| Pretax return on assets | 0.7894% | 3,282 |
| Return on Equity (ROE) | 9.2339% | 1,944 |
| Retained earnings to average equity (ytd only) | 5.5814% | 1,537 |
| Net charge-offs to loans | 1.8964% | 1,307 |
| Credit loss provision to net charge-offs | 102.5575% | 5,384 |
| Earnings coverage of net charge-offs (x) | 1.3762% | 4,760 |
| Efficiency ratio | 57.7762% | 6,793 |
| Assets per employee ($millions) | 3.1794% | 5,771 |
| Cash dividends to net income (ytd only)* | 39.5546% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2109% | 5,289 |
| Loan loss allowance to noncurrent loans | 103.6904% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 3.0667% | 2,270 |
| Noncurrent loans to loans | 1.1678% | 4,992 |
| Net loans and leases to total assets | 63.3437% | 4,740 |
| Net loans and leases to deposits | 74.6602% | 4,930 |
| Net loans and leases to core deposits | 97.4207% | 4,295 |
| Total domestic deposits to total assets | 84.8426% | 3,623 |
| Equity capital to assets | 8.2332% | 6,299 |
| Core capital (leverage) ratio | 7.7057% | 6,550 |
| Tier 1 risk-based capital ratio | 12.1635% | 4,804 |
| Total risk-based capital ratio | 13.3962% | 4,782 |
| Memoranda: | ||
| Average total assets | $466,042,800 | 1,488 |
| Average earning assets | $415,740,600 | 1,521 |
| Average equity | $36,961,800 | 1,821 |
| Average total loans | $307,218,000 | 1,559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5017% | 743 |
| Cost of funding earning assets | 2.3353% | 1,860 |
| Net interest margin | 4.1664% | 2,164 |
| Noninterest income to average assets | 0.3587% | 5,625 |
| Noninterest expense to average assets | 2.4011% | 6,415 |
| Loan and lease loss provision to assets | 0.7851% | 2,407 |
| Net operating income to assets | 0.8502% | 2,616 |
| Return on assets (ROA) | 0.8997% | 2,490 |
| Pretax return on assets | 0.9523% | 3,051 |
| Return on Equity (ROE) | 11.4466% | 1,498 |
| Retained earnings to average equity (ytd only) | 6.5872% | 1,670 |
| Net charge-offs to loans | 1.2392% | 1,646 |
| Credit loss provision to net charge-offs | 95.4921% | 5,324 |
| Earnings coverage of net charge-offs (x) | 2.0492% | 4,283 |
| Efficiency ratio | 57.4713% | 6,795 |
| Assets per employee ($millions) | 3.2130% | 5,618 |
| Cash dividends to net income (ytd only)* | 42.4530% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0515% | 5,999 |
| Loan loss allowance to noncurrent loans | 82.5364% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 2.9383% | 2,355 |
| Noncurrent loans to loans | 1.2740% | 4,812 |
| Net loans and leases to total assets | 65.5023% | 4,534 |
| Net loans and leases to deposits | 77.8139% | 4,765 |
| Net loans and leases to core deposits | 104.0719% | 3,923 |
| Total domestic deposits to total assets | 84.1781% | 3,641 |
| Equity capital to assets | 8.4425% | 6,325 |
| Core capital (leverage) ratio | 7.4876% | 6,992 |
| Tier 1 risk-based capital ratio | 11.6317% | 5,304 |
| Total risk-based capital ratio | 12.8441% | 5,286 |
| Memoranda: | ||
| Average total assets | $471,276,000 | 1,487 |
| Average earning assets | $421,582,750 | 1,517 |
| Average equity | $37,040,500 | 1,835 |
| Average total loans | $312,671,250 | 1,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4817% | 856 |
| Cost of funding earning assets | 2.4209% | 1,877 |
| Net interest margin | 4.0608% | 2,466 |
| Noninterest income to average assets | 0.0638% | 7,667 |
| Noninterest expense to average assets | 2.3545% | 6,613 |
| Loan and lease loss provision to assets | 0.5144% | 2,965 |
| Net operating income to assets | 0.7815% | 2,926 |
| Return on assets (ROA) | 0.8537% | 2,739 |
| Pretax return on assets | 0.9091% | 3,305 |
| Return on Equity (ROE) | 11.1252% | 1,666 |
| Retained earnings to average equity (ytd only) | 3.7376% | 3,214 |
| Net charge-offs to loans | 0.8463% | 1,998 |
| Credit loss provision to net charge-offs | 91.5546% | 4,875 |
| Earnings coverage of net charge-offs (x) | 2.3969% | 3,870 |
| Efficiency ratio | 62.2079% | 6,220 |
| Assets per employee ($millions) | 3.3255% | 5,250 |
| Cash dividends to net income (ytd only)* | 66.4043% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,034 |
| Loan loss allowance to noncurrent loans | 52.7681% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 3.0719% | 2,052 |
| Noncurrent loans to loans | 1.9476% | 3,600 |
| Net loans and leases to total assets | 66.0474% | 4,556 |
| Net loans and leases to deposits | 77.4459% | 4,952 |
| Net loans and leases to core deposits | 104.4707% | 4,010 |
| Total domestic deposits to total assets | 85.2819% | 3,118 |
| Equity capital to assets | 7.6837% | 7,096 |
| Core capital (leverage) ratio | 7.0498% | 7,502 |
| Tier 1 risk-based capital ratio | 10.8569% | 6,026 |
| Total risk-based capital ratio | 11.9204% | 6,147 |
| Memoranda: | ||
| Average total assets | $476,283,670 | 1,494 |
| Average earning assets | $426,615,670 | 1,514 |
| Average equity | $36,547,670 | 1,869 |
| Average total loans | $316,217,670 | 1,571 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5148% | 845 |
| Cost of funding earning assets | 2.5120% | 1,874 |
| Net interest margin | 4.0028% | 2,632 |
| Noninterest income to average assets | 0.8895% | 1,895 |
| Noninterest expense to average assets | 2.2772% | 6,609 |
| Loan and lease loss provision to assets | 0.4983% | 2,474 |
| Net operating income to assets | 1.5879% | 802 |
| Return on assets (ROA) | 1.5879% | 881 |
| Pretax return on assets | 1.7042% | 1,168 |
| Return on Equity (ROE) | 20.7066% | 377 |
| Retained earnings to average equity (ytd only) | 20.7066% | 149 |
| Net charge-offs to loans | 0.6145% | 1,943 |
| Credit loss provision to net charge-offs | 122.4490% | 3,225 |
| Earnings coverage of net charge-offs (x) | 5.4122% | 2,681 |
| Efficiency ratio | 49.6848% | 7,606 |
| Assets per employee ($millions) | 3.3955% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,598 |
| Loan loss allowance to noncurrent loans | 102.3974% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2800% | 2,517 |
| Noncurrent loans to loans | 1.0573% | 4,872 |
| Net loans and leases to total assets | 65.2086% | 4,766 |
| Net loans and leases to deposits | 78.0558% | 4,914 |
| Net loans and leases to core deposits | 105.5779% | 3,960 |
| Total domestic deposits to total assets | 83.5410% | 3,905 |
| Equity capital to assets | 8.0020% | 6,805 |
| Core capital (leverage) ratio | 7.1205% | 7,538 |
| Tier 1 risk-based capital ratio | 11.0262% | 5,891 |
| Total risk-based capital ratio | 12.1602% | 5,895 |
| Memoranda: | ||
| Average total assets | $481,641,000 | 1,476 |
| Average earning assets | $432,001,500 | 1,505 |
| Average equity | $36,935,000 | 1,853 |
| Average total loans | $318,982,000 | 1,573 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8931% | 1,419 |
| Cost of funding earning assets | 3.0350% | 1,731 |
| Net interest margin | 3.8581% | 3,758 |
| Noninterest income to average assets | 0.8409% | 2,291 |
| Noninterest expense to average assets | 2.1789% | 7,020 |
| Loan and lease loss provision to assets | 1.0038% | 1,466 |
| Net operating income to assets | 1.0689% | 2,262 |
| Return on assets (ROA) | 1.1792% | 1,776 |
| Pretax return on assets | 1.2620% | 2,439 |
| Return on Equity (ROE) | 16.2920% | 728 |
| Retained earnings to average equity (ytd only) | 2.4541% | 3,664 |
| Net charge-offs to loans | 1.5336% | 753 |
| Credit loss provision to net charge-offs | 98.2790% | 5,442 |
| Earnings coverage of net charge-offs (x) | 2.1023% | 5,020 |
| Efficiency ratio | 49.1897% | 7,719 |
| Assets per employee ($millions) | 3.3415% | 5,114 |
| Cash dividends to net income (ytd only)* | 84.9367% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 5,809 |
| Loan loss allowance to noncurrent loans | 89.0415% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1995% | 2,221 |
| Noncurrent loans to loans | 1.1522% | 4,234 |
| Net loans and leases to total assets | 65.8478% | 4,878 |
| Net loans and leases to deposits | 80.4211% | 4,972 |
| Net loans and leases to core deposits | 109.1674% | 3,847 |
| Total domestic deposits to total assets | 81.8789% | 4,247 |
| Equity capital to assets | 7.3391% | 7,520 |
| Core capital (leverage) ratio | 6.6132% | 7,894 |
| Tier 1 risk-based capital ratio | 10.2404% | 6,477 |
| Total risk-based capital ratio | 11.5581% | 6,284 |
| Memoranda: | ||
| Average total assets | $489,235,200 | 1,395 |
| Average earning assets | $441,947,800 | 1,410 |
| Average equity | $35,410,000 | 1,906 |
| Average total loans | $325,831,600 | 1,493 |