Home > First Federal Savings Bank > Performance and Condition Ratios
First Federal Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 2,581 |
| Cost of funding earning assets | 2.5346% | 806 |
| Net interest margin | 2.7353% | 3,796 |
| Noninterest income to average assets | 0.4900% | 1,794 |
| Noninterest expense to average assets | 2.8622% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1812% | 3,994 |
| Return on assets (ROA) | 0.1812% | 4,025 |
| Pretax return on assets | 0.1264% | 4,095 |
| Return on Equity (ROE) | 2.2600% | 3,966 |
| Retained earnings to average equity (ytd only) | 0.6349% | 3,566 |
| Net charge-offs to loans | 0.1355% | 700 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 1.2357% | 2,161 |
| Efficiency ratio | 95.7697% | 340 |
| Assets per employee ($millions) | 4.7274% | 3,818 |
| Cash dividends to net income (ytd only)* | 71.9424% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 2,770 |
| Loan loss allowance to noncurrent loans | 56.1559% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 403 |
| Noncurrent loans to loans | 1.9383% | 446 |
| Net loans and leases to total assets | 74.4600% | 1,277 |
| Net loans and leases to deposits | 93.0293% | 832 |
| Net loans and leases to core deposits | 136.7450% | 246 |
| Total domestic deposits to total assets | 80.0400% | 3,594 |
| Equity capital to assets | 8.1156% | 3,529 |
| Core capital (leverage) ratio | 8.8050% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5126% | 2,033 |
| Memoranda: | ||
| Average total assets | $613,796,500 | 1,529 |
| Average earning assets | $560,239,500 | 1,549 |
| Average equity | $49,144,000 | 1,777 |
| Average total loans | $463,490,000 | 1,390 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 2,213 |
| Cost of funding earning assets | 2.7032% | 834 |
| Net interest margin | 2.7582% | 3,547 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.7496% | 1,634 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.3311% | 3,791 |
| Return on assets (ROA) | 0.3196% | 3,838 |
| Pretax return on assets | 0.2781% | 3,954 |
| Return on Equity (ROE) | 4.1400% | 3,679 |
| Retained earnings to average equity (ytd only) | 2.0510% | 3,347 |
| Net charge-offs to loans | 0.0159% | 2,339 |
| Credit loss provision to net charge-offs | -84.2105% | 4,350 |
| Earnings coverage of net charge-offs (x) | 24.2368% | 1,693 |
| Efficiency ratio | 90.4708% | 489 |
| Assets per employee ($millions) | 5.0201% | 3,624 |
| Cash dividends to net income (ytd only)* | 50.4181% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 2,765 |
| Loan loss allowance to noncurrent loans | 61.5449% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.3351% | 451 |
| Noncurrent loans to loans | 1.7627% | 491 |
| Net loans and leases to total assets | 74.9200% | 1,285 |
| Net loans and leases to deposits | 99.1700% | 534 |
| Net loans and leases to core deposits | 135.9613% | 295 |
| Total domestic deposits to total assets | 75.5500% | 3,985 |
| Equity capital to assets | 7.9005% | 3,563 |
| Core capital (leverage) ratio | 8.4060% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3644% | 2,094 |
| Memoranda: | ||
| Average total assets | $636,010,800 | 1,460 |
| Average earning assets | $582,225,600 | 1,474 |
| Average equity | $49,147,000 | 1,736 |
| Average total loans | $478,197,600 | 1,343 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4320% | 2,215 |
| Cost of funding earning assets | 2.7104% | 825 |
| Net interest margin | 2.7216% | 3,569 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.7384% | 1,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.3241% | 3,823 |
| Return on assets (ROA) | 0.3088% | 3,878 |
| Pretax return on assets | 0.2698% | 3,990 |
| Return on Equity (ROE) | 4.0200% | 3,722 |
| Retained earnings to average equity (ytd only) | 1.2373% | 3,657 |
| Net charge-offs to loans | 0.0211% | 1,947 |
| Credit loss provision to net charge-offs | -84.2105% | 4,390 |
| Earnings coverage of net charge-offs (x) | 17.9868% | 1,823 |
| Efficiency ratio | 90.5718% | 513 |
| Assets per employee ($millions) | 5.1645% | 3,532 |
| Cash dividends to net income (ytd only)* | 69.2100% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 2,961 |
| Loan loss allowance to noncurrent loans | 66.1109% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 495 |
| Noncurrent loans to loans | 1.6009% | 570 |
| Net loans and leases to total assets | 75.2700% | 1,220 |
| Net loans and leases to deposits | 100.9302% | 447 |
| Net loans and leases to core deposits | 142.4107% | 229 |
| Total domestic deposits to total assets | 74.5800% | 4,027 |
| Equity capital to assets | 8.0272% | 3,697 |
| Core capital (leverage) ratio | 8.3637% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9774% | 2,252 |
| Memoranda: | ||
| Average total assets | $639,391,000 | 1,440 |
| Average earning assets | $585,335,000 | 1,461 |
| Average equity | $49,138,750 | 1,728 |
| Average total loans | $479,877,000 | 1,335 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3849% | 2,169 |
| Cost of funding earning assets | 2.6966% | 773 |
| Net interest margin | 2.6884% | 3,601 |
| Noninterest income to average assets | 0.5200% | 1,764 |
| Noninterest expense to average assets | 2.6915% | 1,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.3330% | 3,771 |
| Return on assets (ROA) | 0.3009% | 3,874 |
| Pretax return on assets | 0.2562% | 3,995 |
| Return on Equity (ROE) | 3.9700% | 3,726 |
| Retained earnings to average equity (ytd only) | -0.2512% | 3,955 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 90.3226% | 549 |
| Assets per employee ($millions) | 5.1614% | 3,489 |
| Cash dividends to net income (ytd only)* | 106.3278% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 2,891 |
| Loan loss allowance to noncurrent loans | 284.4384% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 2,005 |
| Noncurrent loans to loans | 0.3798% | 2,047 |
| Net loans and leases to total assets | 74.8700% | 1,318 |
| Net loans and leases to deposits | 101.4215% | 483 |
| Net loans and leases to core deposits | 141.5038% | 247 |
| Total domestic deposits to total assets | 73.8200% | 4,077 |
| Equity capital to assets | 7.5198% | 3,715 |
| Core capital (leverage) ratio | 8.2401% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6601% | 2,369 |
| Memoranda: | ||
| Average total assets | $640,822,333 | 1,440 |
| Average earning assets | $586,375,000 | 1,456 |
| Average equity | $48,565,333 | 1,725 |
| Average total loans | $478,743,000 | 1,338 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 2,195 |
| Cost of funding earning assets | 2.6922% | 722 |
| Net interest margin | 2.6060% | 3,710 |
| Noninterest income to average assets | 0.5400% | 1,602 |
| Noninterest expense to average assets | 2.6778% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2970% | 3,828 |
| Return on assets (ROA) | 0.2970% | 3,858 |
| Pretax return on assets | 0.2485% | 3,973 |
| Return on Equity (ROE) | 3.9000% | 3,692 |
| Retained earnings to average equity (ytd only) | -0.3838% | 3,779 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 91.5074% | 532 |
| Assets per employee ($millions) | 5.1822% | 3,521 |
| Cash dividends to net income (ytd only)* | 109.8326% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 2,797 |
| Loan loss allowance to noncurrent loans | 315.8053% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 2,061 |
| Noncurrent loans to loans | 0.3496% | 2,081 |
| Net loans and leases to total assets | 73.8600% | 1,354 |
| Net loans and leases to deposits | 99.5084% | 502 |
| Net loans and leases to core deposits | 137.0611% | 310 |
| Total domestic deposits to total assets | 74.2200% | 4,114 |
| Equity capital to assets | 7.5902% | 3,621 |
| Core capital (leverage) ratio | 8.2336% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6409% | 2,370 |
| Memoranda: | ||
| Average total assets | $643,804,500 | 1,432 |
| Average earning assets | $589,414,000 | 1,445 |
| Average equity | $48,978,000 | 1,707 |
| Average total loans | $477,853,500 | 1,337 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0888% | 1,878 |
| Cost of funding earning assets | 2.1424% | 709 |
| Net interest margin | 2.9464% | 3,399 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.7950% | 1,512 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4724% | 3,729 |
| Return on assets (ROA) | 0.4722% | 3,728 |
| Pretax return on assets | 0.4766% | 3,854 |
| Return on Equity (ROE) | 6.1900% | 3,481 |
| Retained earnings to average equity (ytd only) | 4.8567% | 2,648 |
| Net charge-offs to loans | -0.0626% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.7941% | 573 |
| Assets per employee ($millions) | 5.2016% | 3,473 |
| Cash dividends to net income (ytd only)* | 21.5072% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 2,862 |
| Loan loss allowance to noncurrent loans | 123.2411% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6784% | 779 |
| Noncurrent loans to loans | 0.8889% | 848 |
| Net loans and leases to total assets | 72.9700% | 1,476 |
| Net loans and leases to deposits | 96.5972% | 740 |
| Net loans and leases to core deposits | 131.8062% | 379 |
| Total domestic deposits to total assets | 75.5400% | 3,982 |
| Equity capital to assets | 7.6246% | 3,647 |
| Core capital (leverage) ratio | 8.1091% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7941% | 2,309 |
| Memoranda: | ||
| Average total assets | $615,395,000 | 1,450 |
| Average earning assets | $562,036,800 | 1,463 |
| Average equity | $46,965,600 | 1,682 |
| Average total loans | $445,929,600 | 1,355 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 1,845 |
| Cost of funding earning assets | 1.9650% | 750 |
| Net interest margin | 3.0246% | 3,295 |
| Noninterest income to average assets | 0.5800% | 1,600 |
| Noninterest expense to average assets | 2.8103% | 1,413 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.5237% | 3,713 |
| Return on assets (ROA) | 0.5235% | 3,698 |
| Pretax return on assets | 0.5485% | 3,827 |
| Return on Equity (ROE) | 6.8600% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.3461% | 2,827 |
| Net charge-offs to loans | -0.0859% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.1371% | 608 |
| Assets per employee ($millions) | 4.9505% | 3,638 |
| Cash dividends to net income (ytd only)* | 22.0403% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1144% | 2,789 |
| Loan loss allowance to noncurrent loans | 82.4257% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 1.0084% | 513 |
| Noncurrent loans to loans | 1.3520% | 560 |
| Net loans and leases to total assets | 73.7600% | 1,365 |
| Net loans and leases to deposits | 94.2642% | 874 |
| Net loans and leases to core deposits | 124.7629% | 441 |
| Total domestic deposits to total assets | 78.2500% | 3,790 |
| Equity capital to assets | 6.7114% | 3,750 |
| Core capital (leverage) ratio | 8.1522% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $606,694,750 | 1,467 |
| Average earning assets | $553,936,500 | 1,481 |
| Average equity | $46,313,250 | 1,685 |
| Average total loans | $437,493,750 | 1,369 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 1,973 |
| Cost of funding earning assets | 1.6975% | 888 |
| Net interest margin | 3.1112% | 3,197 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.8369% | 1,348 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.4808% | 3,844 |
| Return on assets (ROA) | 0.4805% | 3,857 |
| Pretax return on assets | 0.4905% | 3,982 |
| Return on Equity (ROE) | 6.0400% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.0368% | 2,605 |
| Net charge-offs to loans | 0.0023% | 2,274 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 323.4000% | 425 |
| Efficiency ratio | 83.9822% | 596 |
| Assets per employee ($millions) | 4.8906% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8062% | 4,006 |
| Loan loss allowance to noncurrent loans | 151.3969% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 1,376 |
| Noncurrent loans to loans | 0.5325% | 1,395 |
| Net loans and leases to total assets | 71.8700% | 1,546 |
| Net loans and leases to deposits | 97.3265% | 653 |
| Net loans and leases to core deposits | 121.2936% | 484 |
| Total domestic deposits to total assets | 73.8400% | 4,205 |
| Equity capital to assets | 7.6106% | 3,460 |
| Core capital (leverage) ratio | 8.7212% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $597,703,000 | 1,478 |
| Average earning assets | $546,226,333 | 1,510 |
| Average equity | $47,575,000 | 1,658 |
| Average total loans | $425,776,667 | 1,386 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 1,892 |
| Cost of funding earning assets | 1.4364% | 962 |
| Net interest margin | 3.2478% | 3,001 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.8800% | 1,275 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.5403% | 3,814 |
| Return on assets (ROA) | 0.5403% | 3,774 |
| Pretax return on assets | 0.5631% | 3,902 |
| Return on Equity (ROE) | 6.6300% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.6307% | 2,612 |
| Net charge-offs to loans | 0.0039% | 1,845 |
| Credit loss provision to net charge-offs | 1,875.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 223.2500% | 475 |
| Efficiency ratio | 82.4109% | 683 |
| Assets per employee ($millions) | 4.4907% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 3,942 |
| Loan loss allowance to noncurrent loans | 351.9493% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 2,282 |
| Noncurrent loans to loans | 0.2464% | 2,264 |
| Net loans and leases to total assets | 70.1700% | 1,609 |
| Net loans and leases to deposits | 93.7462% | 802 |
| Net loans and leases to core deposits | 105.3745% | 862 |
| Total domestic deposits to total assets | 74.8500% | 4,232 |
| Equity capital to assets | 8.3059% | 3,034 |
| Core capital (leverage) ratio | 9.0812% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $581,111,500 | 1,546 |
| Average earning assets | $531,059,500 | 1,566 |
| Average equity | $47,355,500 | 1,678 |
| Average total loans | $410,118,000 | 1,447 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 1,574 |
| Cost of funding earning assets | 0.7133% | 551 |
| Net interest margin | 3.3408% | 2,448 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.9834% | 990 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6417% | 3,778 |
| Return on assets (ROA) | 0.6400% | 3,731 |
| Pretax return on assets | 0.7204% | 3,812 |
| Return on Equity (ROE) | 7.2400% | 3,578 |
| Retained earnings to average equity (ytd only) | 7.2378% | 2,131 |
| Net charge-offs to loans | -0.0044% | 3,609 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.3196% | 692 |
| Assets per employee ($millions) | 4.5192% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 3,851 |
| Loan loss allowance to noncurrent loans | 2,313.7255% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,553 |
| Noncurrent loans to loans | 0.0379% | 3,507 |
| Net loans and leases to total assets | 69.7500% | 1,659 |
| Net loans and leases to deposits | 89.2116% | 1,106 |
| Net loans and leases to core deposits | 97.7650% | 1,111 |
| Total domestic deposits to total assets | 78.1800% | 4,074 |
| Equity capital to assets | 7.9885% | 3,061 |
| Core capital (leverage) ratio | 9.0176% | 3,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $520,508,800 | 1,677 |
| Average earning assets | $474,713,400 | 1,690 |
| Average equity | $46,022,200 | 1,729 |
| Average total loans | $361,217,000 | 1,510 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8516% | 1,613 |
| Cost of funding earning assets | 0.5826% | 478 |
| Net interest margin | 3.2689% | 2,393 |
| Noninterest income to average assets | 0.7000% | 1,324 |
| Noninterest expense to average assets | 3.0205% | 881 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5869% | 3,864 |
| Return on assets (ROA) | 0.5860% | 3,826 |
| Pretax return on assets | 0.6609% | 3,884 |
| Return on Equity (ROE) | 6.4500% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.4515% | 2,573 |
| Net charge-offs to loans | -0.0061% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 82.0233% | 649 |
| Assets per employee ($millions) | 4.6492% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 3,763 |
| Loan loss allowance to noncurrent loans | 719.1358% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.0886% | 3,046 |
| Noncurrent loans to loans | 0.1296% | 2,987 |
| Net loans and leases to total assets | 67.7100% | 1,707 |
| Net loans and leases to deposits | 86.9384% | 1,108 |
| Net loans and leases to core deposits | 95.6219% | 1,022 |
| Total domestic deposits to total assets | 77.8900% | 4,268 |
| Equity capital to assets | 7.5599% | 3,182 |
| Core capital (leverage) ratio | 9.3687% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $507,151,000 | 1,707 |
| Average earning assets | $462,485,500 | 1,735 |
| Average equity | $46,065,500 | 1,750 |
| Average total loans | $350,562,500 | 1,532 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6482% | 1,689 |
| Cost of funding earning assets | 0.4860% | 568 |
| Net interest margin | 3.1622% | 2,317 |
| Noninterest income to average assets | 0.7220% | 1,253 |
| Noninterest expense to average assets | 3.0564% | 783 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4909% | 3,920 |
| Return on assets (ROA) | 0.4905% | 3,869 |
| Pretax return on assets | 0.5509% | 3,919 |
| Return on Equity (ROE) | 5.0845% | 3,797 |
| Retained earnings to average equity (ytd only) | 5.0845% | 2,680 |
| Net charge-offs to loans | 0.0099% | 1,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 933 |
| Efficiency ratio | 84.7174% | 640 |
| Assets per employee ($millions) | 4.1786% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 3,658 |
| Loan loss allowance to noncurrent loans | 755.8952% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 3,041 |
| Noncurrent loans to loans | 0.1305% | 3,065 |
| Net loans and leases to total assets | 67.0505% | 1,576 |
| Net loans and leases to deposits | 88.4514% | 804 |
| Net loans and leases to core deposits | 94.9931% | 865 |
| Total domestic deposits to total assets | 75.8050% | 4,468 |
| Equity capital to assets | 8.9621% | 2,403 |
| Core capital (leverage) ratio | 9.9068% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $493,332,333 | 1,747 |
| Average earning assets | $450,198,667 | 1,784 |
| Average equity | $47,596,000 | 1,744 |
| Average total loans | $342,427,333 | 1,551 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 1,583 |
| Cost of funding earning assets | 0.4553% | 634 |
| Net interest margin | 3.1161% | 2,120 |
| Noninterest income to average assets | 0.7527% | 1,165 |
| Noninterest expense to average assets | 3.0391% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4864% | 3,747 |
| Return on assets (ROA) | 0.4857% | 3,711 |
| Pretax return on assets | 0.5647% | 3,720 |
| Return on Equity (ROE) | 4.8489% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.8489% | 2,648 |
| Net charge-offs to loans | 0.0189% | 1,151 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 986 |
| Efficiency ratio | 84.3101% | 825 |
| Assets per employee ($millions) | 4.1317% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,563 |
| Loan loss allowance to noncurrent loans | 644.8790% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 2,975 |
| Noncurrent loans to loans | 0.1612% | 3,000 |
| Net loans and leases to total assets | 68.7949% | 1,132 |
| Net loans and leases to deposits | 93.1970% | 396 |
| Net loans and leases to core deposits | 96.3552% | 637 |
| Total domestic deposits to total assets | 73.8166% | 4,576 |
| Equity capital to assets | 10.3494% | 1,657 |
| Core capital (leverage) ratio | 10.3733% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $480,924,500 | 1,793 |
| Average earning assets | $440,167,000 | 1,823 |
| Average equity | $48,175,500 | 1,786 |
| Average total loans | $338,199,500 | 1,559 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 2,022 |
| Cost of funding earning assets | 0.5541% | 693 |
| Net interest margin | 3.1804% | 2,654 |
| Noninterest income to average assets | 1.1549% | 790 |
| Noninterest expense to average assets | 3.0063% | 970 |
| Loan and lease loss provision to assets | 0.1361% | 893 |
| Net operating income to assets | 0.7955% | 3,347 |
| Return on assets (ROA) | 0.7951% | 3,416 |
| Pretax return on assets | 0.9206% | 3,454 |
| Return on Equity (ROE) | 8.2804% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.0451% | 2,340 |
| Net charge-offs to loans | -0.0173% | 3,925 |
| Credit loss provision to net charge-offs | -1,083.3333% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9847% | 1,306 |
| Assets per employee ($millions) | 4.2706% | 4,285 |
| Cash dividends to net income (ytd only)* | 26.9950% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 3,686 |
| Loan loss allowance to noncurrent loans | 366.5964% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 2,576 |
| Noncurrent loans to loans | 0.2765% | 2,614 |
| Net loans and leases to total assets | 70.4017% | 994 |
| Net loans and leases to deposits | 91.0558% | 522 |
| Net loans and leases to core deposits | 95.0521% | 730 |
| Total domestic deposits to total assets | 77.3171% | 4,447 |
| Equity capital to assets | 9.6874% | 2,956 |
| Core capital (leverage) ratio | 8.6966% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5428% | 2,431 |
| Memoranda: | ||
| Average total assets | $477,526,200 | 1,750 |
| Average earning assets | $436,709,600 | 1,783 |
| Average equity | $45,855,400 | 1,899 |
| Average total loans | $347,310,800 | 1,527 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7724% | 2,082 |
| Cost of funding earning assets | 0.5752% | 721 |
| Net interest margin | 3.1972% | 2,738 |
| Noninterest income to average assets | 1.2771% | 716 |
| Noninterest expense to average assets | 3.0207% | 931 |
| Loan and lease loss provision to assets | 0.1820% | 588 |
| Net operating income to assets | 0.8669% | 3,333 |
| Return on assets (ROA) | 0.8664% | 3,403 |
| Pretax return on assets | 0.9961% | 3,468 |
| Return on Equity (ROE) | 9.0431% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.0709% | 2,392 |
| Net charge-offs to loans | -0.0230% | 4,017 |
| Credit loss provision to net charge-offs | -1,083.3333% | 3,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9333% | 1,413 |
| Assets per employee ($millions) | 4.0522% | 4,417 |
| Cash dividends to net income (ytd only)* | 21.8094% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 3,776 |
| Loan loss allowance to noncurrent loans | 444.3167% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 2,336 |
| Noncurrent loans to loans | 0.2297% | 3,020 |
| Net loans and leases to total assets | 72.4016% | 835 |
| Net loans and leases to deposits | 94.5735% | 398 |
| Net loans and leases to core deposits | 100.2186% | 576 |
| Total domestic deposits to total assets | 76.5559% | 4,516 |
| Equity capital to assets | 9.9412% | 2,957 |
| Core capital (leverage) ratio | 8.6614% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7274% | 2,460 |
| Memoranda: | ||
| Average total assets | $476,264,000 | 1,776 |
| Average earning assets | $435,288,250 | 1,806 |
| Average equity | $45,632,000 | 1,925 |
| Average total loans | $348,333,500 | 1,551 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 2,105 |
| Cost of funding earning assets | 0.5938% | 771 |
| Net interest margin | 3.1933% | 2,774 |
| Noninterest income to average assets | 1.3905% | 614 |
| Noninterest expense to average assets | 3.0170% | 961 |
| Loan and lease loss provision to assets | 0.2502% | 394 |
| Net operating income to assets | 0.9310% | 3,129 |
| Return on assets (ROA) | 0.9310% | 3,209 |
| Pretax return on assets | 1.0449% | 3,345 |
| Return on Equity (ROE) | 9.8369% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.4052% | 1,933 |
| Net charge-offs to loans | 0.0029% | 2,091 |
| Credit loss provision to net charge-offs | 12,000.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 621.2000% | 219 |
| Efficiency ratio | 69.9671% | 1,641 |
| Assets per employee ($millions) | 4.1439% | 4,366 |
| Cash dividends to net income (ytd only)* | 14.5544% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,890 |
| Loan loss allowance to noncurrent loans | 465.9280% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 2,606 |
| Noncurrent loans to loans | 0.2101% | 3,208 |
| Net loans and leases to total assets | 70.7796% | 1,116 |
| Net loans and leases to deposits | 91.6722% | 558 |
| Net loans and leases to core deposits | 97.8412% | 728 |
| Total domestic deposits to total assets | 77.2094% | 4,500 |
| Equity capital to assets | 9.6231% | 3,225 |
| Core capital (leverage) ratio | 8.3983% | 4,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8627% | 2,416 |
| Memoranda: | ||
| Average total assets | $479,686,000 | 1,761 |
| Average earning assets | $438,852,000 | 1,792 |
| Average equity | $45,400,667 | 1,917 |
| Average total loans | $350,821,667 | 1,554 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7278% | 2,294 |
| Cost of funding earning assets | 0.6402% | 733 |
| Net interest margin | 3.0876% | 3,033 |
| Noninterest income to average assets | 1.6879% | 500 |
| Noninterest expense to average assets | 3.0268% | 951 |
| Loan and lease loss provision to assets | 0.3339% | 255 |
| Net operating income to assets | 1.0460% | 2,650 |
| Return on assets (ROA) | 1.0460% | 2,733 |
| Pretax return on assets | 1.1495% | 2,988 |
| Return on Equity (ROE) | 11.1447% | 2,317 |
| Retained earnings to average equity (ytd only) | 8.2540% | 2,161 |
| Net charge-offs to loans | 0.0181% | 1,384 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 111.0625% | 575 |
| Efficiency ratio | 67.1109% | 2,052 |
| Assets per employee ($millions) | 4.4094% | 4,188 |
| Cash dividends to net income (ytd only)* | 25.9377% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9026% | 4,147 |
| Loan loss allowance to noncurrent loans | 49.9841% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.4279% | 465 |
| Noncurrent loans to loans | 1.8058% | 640 |
| Net loans and leases to total assets | 72.0219% | 1,024 |
| Net loans and leases to deposits | 93.0677% | 541 |
| Net loans and leases to core deposits | 101.8813% | 633 |
| Total domestic deposits to total assets | 77.3865% | 4,490 |
| Equity capital to assets | 9.4077% | 3,286 |
| Core capital (leverage) ratio | 8.4631% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3566% | 2,546 |
| Memoranda: | ||
| Average total assets | $479,180,000 | 1,750 |
| Average earning assets | $438,005,000 | 1,785 |
| Average equity | $44,972,000 | 1,922 |
| Average total loans | $354,432,500 | 1,546 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9693% | 2,824 |
| Cost of funding earning assets | 0.9376% | 747 |
| Net interest margin | 3.0316% | 3,817 |
| Noninterest income to average assets | 0.9909% | 1,059 |
| Noninterest expense to average assets | 2.9719% | 1,501 |
| Loan and lease loss provision to assets | 0.0760% | 3,427 |
| Net operating income to assets | 0.5782% | 3,820 |
| Return on assets (ROA) | 0.5764% | 3,931 |
| Pretax return on assets | 0.6945% | 3,893 |
| Return on Equity (ROE) | 6.1032% | 3,548 |
| Retained earnings to average equity (ytd only) | 3.2297% | 3,213 |
| Net charge-offs to loans | -0.0015% | 3,963 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3657% | 932 |
| Assets per employee ($millions) | 4.2655% | 4,159 |
| Cash dividends to net income (ytd only)* | 47.0810% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7701% | 4,481 |
| Loan loss allowance to noncurrent loans | 345.2618% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3016% | 2,792 |
| Noncurrent loans to loans | 0.2231% | 3,403 |
| Net loans and leases to total assets | 74.6832% | 941 |
| Net loans and leases to deposits | 104.8664% | 248 |
| Net loans and leases to core deposits | 109.5074% | 527 |
| Total domestic deposits to total assets | 71.2175% | 4,744 |
| Equity capital to assets | 9.3626% | 3,727 |
| Core capital (leverage) ratio | 8.0046% | 4,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7445% | 2,714 |
| Memoranda: | ||
| Average total assets | $460,609,800 | 1,668 |
| Average earning assets | $418,390,400 | 1,701 |
| Average equity | $43,502,000 | 1,888 |
| Average total loans | $339,472,800 | 1,539 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9726% | 3,052 |
| Cost of funding earning assets | 0.9754% | 834 |
| Net interest margin | 2.9972% | 3,983 |
| Noninterest income to average assets | 0.8757% | 1,293 |
| Noninterest expense to average assets | 2.9531% | 1,549 |
| Loan and lease loss provision to assets | 0.0585% | 3,619 |
| Net operating income to assets | 0.4933% | 4,060 |
| Return on assets (ROA) | 0.4909% | 4,141 |
| Pretax return on assets | 0.5817% | 4,132 |
| Return on Equity (ROE) | 5.1856% | 3,834 |
| Retained earnings to average equity (ytd only) | 2.3304% | 3,811 |
| Net charge-offs to loans | 0.0219% | 2,413 |
| Credit loss provision to net charge-offs | 363.6364% | 1,562 |
| Earnings coverage of net charge-offs (x) | 40.0182% | 1,361 |
| Efficiency ratio | 82.1173% | 730 |
| Assets per employee ($millions) | 4.1910% | 4,151 |
| Cash dividends to net income (ytd only)* | 55.0595% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6895% | 4,593 |
| Loan loss allowance to noncurrent loans | 208.3876% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,053 |
| Noncurrent loans to loans | 0.3309% | 3,097 |
| Net loans and leases to total assets | 77.8276% | 850 |
| Net loans and leases to deposits | 109.4005% | 239 |
| Net loans and leases to core deposits | 114.1507% | 549 |
| Total domestic deposits to total assets | 71.1401% | 4,711 |
| Equity capital to assets | 9.2731% | 3,881 |
| Core capital (leverage) ratio | 7.9553% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5690% | 2,769 |
| Memoranda: | ||
| Average total assets | $456,329,500 | 1,656 |
| Average earning assets | $414,195,000 | 1,693 |
| Average equity | $43,195,500 | 1,890 |
| Average total loans | $334,452,500 | 1,551 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,276 |
| Cost of funding earning assets | 1.0243% | 917 |
| Net interest margin | 2.9954% | 4,133 |
| Noninterest income to average assets | 0.7195% | 1,667 |
| Noninterest expense to average assets | 2.9451% | 1,729 |
| Loan and lease loss provision to assets | 0.0222% | 3,967 |
| Net operating income to assets | 0.4092% | 4,217 |
| Return on assets (ROA) | 0.4053% | 4,285 |
| Pretax return on assets | 0.4621% | 4,311 |
| Return on Equity (ROE) | 4.2509% | 4,039 |
| Retained earnings to average equity (ytd only) | 1.4573% | 3,951 |
| Net charge-offs to loans | 0.0087% | 2,634 |
| Credit loss provision to net charge-offs | 357.1429% | 1,497 |
| Earnings coverage of net charge-offs (x) | 78.6429% | 819 |
| Efficiency ratio | 85.7678% | 547 |
| Assets per employee ($millions) | 4.3359% | 3,970 |
| Cash dividends to net income (ytd only)* | 65.7174% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6985% | 4,567 |
| Loan loss allowance to noncurrent loans | 227.2727% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.5391% | 2,198 |
| Noncurrent loans to loans | 0.3073% | 3,285 |
| Net loans and leases to total assets | 73.7015% | 1,454 |
| Net loans and leases to deposits | 103.4345% | 397 |
| Net loans and leases to core deposits | 110.1737% | 731 |
| Total domestic deposits to total assets | 71.2543% | 4,744 |
| Equity capital to assets | 9.1927% | 3,932 |
| Core capital (leverage) ratio | 7.9350% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9006% | 2,648 |
| Memoranda: | ||
| Average total assets | $450,578,000 | 1,654 |
| Average earning assets | $408,296,333 | 1,681 |
| Average equity | $42,955,333 | 1,885 |
| Average total loans | $322,224,000 | 1,584 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,683 |
| Cost of funding earning assets | 1.0926% | 1,069 |
| Net interest margin | 2.9463% | 4,360 |
| Noninterest income to average assets | 0.6361% | 1,876 |
| Noninterest expense to average assets | 3.0676% | 1,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2411% | 4,463 |
| Return on assets (ROA) | 0.2411% | 4,483 |
| Pretax return on assets | 0.2284% | 4,540 |
| Return on Equity (ROE) | 2.4819% | 4,342 |
| Retained earnings to average equity (ytd only) | -0.7961% | 4,115 |
| Net charge-offs to loans | -0.0169% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0701% | 398 |
| Assets per employee ($millions) | 3.9479% | 3,998 |
| Cash dividends to net income (ytd only)* | 132.0755% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,400 |
| Loan loss allowance to noncurrent loans | 208.5052% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 2,050 |
| Noncurrent loans to loans | 0.3860% | 3,107 |
| Net loans and leases to total assets | 70.1481% | 2,228 |
| Net loans and leases to deposits | 102.7924% | 420 |
| Net loans and leases to core deposits | 115.1018% | 621 |
| Total domestic deposits to total assets | 68.2424% | 4,918 |
| Equity capital to assets | 10.0595% | 3,722 |
| Core capital (leverage) ratio | 8.6482% | 4,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8297% | 2,781 |
| Memoranda: | ||
| Average total assets | $439,560,500 | 1,650 |
| Average earning assets | $396,842,500 | 1,677 |
| Average equity | $42,710,000 | 1,887 |
| Average total loans | $307,949,500 | 1,608 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3090% | 3,519 |
| Cost of funding earning assets | 1.1272% | 1,235 |
| Net interest margin | 3.1818% | 4,228 |
| Noninterest income to average assets | 0.6461% | 2,022 |
| Noninterest expense to average assets | 2.9571% | 2,128 |
| Loan and lease loss provision to assets | 0.1447% | 1,478 |
| Net operating income to assets | 0.3688% | 4,653 |
| Return on assets (ROA) | 0.4593% | 4,524 |
| Pretax return on assets | 0.5204% | 4,534 |
| Return on Equity (ROE) | 4.8516% | 4,252 |
| Retained earnings to average equity (ytd only) | 1.5670% | 4,177 |
| Net charge-offs to loans | 0.1588% | 1,268 |
| Credit loss provision to net charge-offs | 133.6117% | 1,913 |
| Earnings coverage of net charge-offs (x) | 5.1900% | 3,121 |
| Efficiency ratio | 84.0252% | 654 |
| Assets per employee ($millions) | 4.1159% | 3,751 |
| Cash dividends to net income (ytd only)* | 67.7006% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7679% | 4,400 |
| Loan loss allowance to noncurrent loans | 216.8913% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 2,112 |
| Noncurrent loans to loans | 0.3540% | 3,179 |
| Net loans and leases to total assets | 68.9049% | 2,550 |
| Net loans and leases to deposits | 98.1359% | 750 |
| Net loans and leases to core deposits | 113.4838% | 695 |
| Total domestic deposits to total assets | 70.2138% | 4,924 |
| Equity capital to assets | 9.3935% | 4,435 |
| Core capital (leverage) ratio | 8.1896% | 4,980 |
| Tier 1 risk-based capital ratio | 12.2762% | 4,201 |
| Total risk-based capital ratio | 13.0938% | 4,325 |
| Memoranda: | ||
| Average total assets | $442,186,400 | 1,591 |
| Average earning assets | $399,307,200 | 1,635 |
| Average equity | $41,862,400 | 1,854 |
| Average total loans | $301,559,200 | 1,594 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 3,578 |
| Cost of funding earning assets | 1.1133% | 1,296 |
| Net interest margin | 3.2118% | 4,272 |
| Noninterest income to average assets | 0.6334% | 2,055 |
| Noninterest expense to average assets | 2.9797% | 2,035 |
| Loan and lease loss provision to assets | 0.1881% | 958 |
| Net operating income to assets | 0.3225% | 4,816 |
| Return on assets (ROA) | 0.4453% | 4,668 |
| Pretax return on assets | 0.5020% | 4,698 |
| Return on Equity (ROE) | 4.6942% | 4,425 |
| Retained earnings to average equity (ytd only) | 1.4166% | 4,457 |
| Net charge-offs to loans | 0.0098% | 3,020 |
| Credit loss provision to net charge-offs | 2,818.1818% | 145 |
| Earnings coverage of net charge-offs (x) | 82.7347% | 846 |
| Efficiency ratio | 84.3683% | 591 |
| Assets per employee ($millions) | 4.1416% | 3,696 |
| Cash dividends to net income (ytd only)* | 69.8229% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9313% | 3,921 |
| Loan loss allowance to noncurrent loans | 107.9107% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9118% | 1,493 |
| Noncurrent loans to loans | 0.8630% | 1,859 |
| Net loans and leases to total assets | 67.1836% | 2,900 |
| Net loans and leases to deposits | 96.0027% | 1,018 |
| Net loans and leases to core deposits | 115.7778% | 668 |
| Total domestic deposits to total assets | 69.9809% | 4,995 |
| Equity capital to assets | 9.4223% | 4,513 |
| Core capital (leverage) ratio | 8.3402% | 5,013 |
| Tier 1 risk-based capital ratio | 12.3713% | 4,210 |
| Total risk-based capital ratio | 13.3499% | 4,262 |
| Memoranda: | ||
| Average total assets | $439,545,500 | 1,601 |
| Average earning assets | $396,647,500 | 1,652 |
| Average equity | $41,695,750 | 1,867 |
| Average total loans | $298,353,750 | 1,621 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 3,565 |
| Cost of funding earning assets | 1.1018% | 1,295 |
| Net interest margin | 3.2227% | 4,310 |
| Noninterest income to average assets | 0.6405% | 1,972 |
| Noninterest expense to average assets | 2.9914% | 2,026 |
| Loan and lease loss provision to assets | 0.2571% | 594 |
| Net operating income to assets | 0.2650% | 4,920 |
| Return on assets (ROA) | 0.4546% | 4,660 |
| Pretax return on assets | 0.5087% | 4,687 |
| Return on Equity (ROE) | 4.7808% | 4,397 |
| Retained earnings to average equity (ytd only) | 1.5212% | 4,281 |
| Net charge-offs to loans | 0.0047% | 2,995 |
| Credit loss provision to net charge-offs | 8,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 436 |
| Efficiency ratio | 84.4021% | 627 |
| Assets per employee ($millions) | 3.8715% | 4,033 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,921 |
| Loan loss allowance to noncurrent loans | 118.9487% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 1,586 |
| Noncurrent loans to loans | 0.7891% | 2,016 |
| Net loans and leases to total assets | 68.9161% | 2,687 |
| Net loans and leases to deposits | 100.3721% | 644 |
| Net loans and leases to core deposits | 117.7415% | 618 |
| Total domestic deposits to total assets | 68.6606% | 5,086 |
| Equity capital to assets | 9.8052% | 4,135 |
| Core capital (leverage) ratio | 8.4163% | 4,999 |
| Tier 1 risk-based capital ratio | 12.4274% | 4,171 |
| Total risk-based capital ratio | 13.3984% | 4,223 |
| Memoranda: | ||
| Average total assets | $435,584,000 | 1,612 |
| Average earning assets | $392,465,330 | 1,666 |
| Average equity | $41,416,000 | 1,879 |
| Average total loans | $295,759,000 | 1,638 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2431% | 3,736 |
| Cost of funding earning assets | 1.0729% | 1,279 |
| Net interest margin | 3.1702% | 4,458 |
| Noninterest income to average assets | 0.6613% | 1,773 |
| Noninterest expense to average assets | 2.8798% | 2,330 |
| Loan and lease loss provision to assets | 0.0639% | 2,386 |
| Net operating income to assets | 0.5083% | 4,498 |
| Return on assets (ROA) | 0.5236% | 4,476 |
| Pretax return on assets | 0.5920% | 4,533 |
| Return on Equity (ROE) | 5.5924% | 4,159 |
| Retained earnings to average equity (ytd only) | 2.4260% | 3,947 |
| Net charge-offs to loans | 0.0109% | 2,296 |
| Credit loss provision to net charge-offs | 875.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 87.5000% | 720 |
| Efficiency ratio | 81.8512% | 888 |
| Assets per employee ($millions) | 3.7970% | 4,197 |
| Cash dividends to net income (ytd only)* | 56.6202% | 1,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8143% | 4,473 |
| Loan loss allowance to noncurrent loans | 169.5971% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 2,084 |
| Noncurrent loans to loans | 0.4802% | 2,872 |
| Net loans and leases to total assets | 64.5736% | 3,218 |
| Net loans and leases to deposits | 93.2279% | 1,254 |
| Net loans and leases to core deposits | 113.2026% | 775 |
| Total domestic deposits to total assets | 69.2642% | 5,132 |
| Equity capital to assets | 9.4784% | 4,280 |
| Core capital (leverage) ratio | 8.6113% | 4,940 |
| Tier 1 risk-based capital ratio | 12.5747% | 4,117 |
| Total risk-based capital ratio | 13.3868% | 4,270 |
| Memoranda: | ||
| Average total assets | $438,506,000 | 1,602 |
| Average earning assets | $395,180,500 | 1,660 |
| Average equity | $41,055,500 | 1,890 |
| Average total loans | $294,155,500 | 1,654 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 3,725 |
| Cost of funding earning assets | 0.9418% | 961 |
| Net interest margin | 3.1646% | 4,548 |
| Noninterest income to average assets | 0.6702% | 1,962 |
| Noninterest expense to average assets | 3.0155% | 2,011 |
| Loan and lease loss provision to assets | 0.0070% | 3,980 |
| Net operating income to assets | 0.4477% | 4,771 |
| Return on assets (ROA) | 0.4455% | 4,770 |
| Pretax return on assets | 0.4829% | 4,825 |
| Return on Equity (ROE) | 4.8050% | 4,503 |
| Retained earnings to average equity (ytd only) | 2.0522% | 4,338 |
| Net charge-offs to loans | -0.0767% | 5,086 |
| Credit loss provision to net charge-offs | -13.5747% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9685% | 528 |
| Assets per employee ($millions) | 4.0774% | 3,778 |
| Cash dividends to net income (ytd only)* | 57.2917% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 4,705 |
| Loan loss allowance to noncurrent loans | 604.0214% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 2,642 |
| Noncurrent loans to loans | 0.1227% | 4,178 |
| Net loans and leases to total assets | 68.5306% | 2,802 |
| Net loans and leases to deposits | 98.3609% | 864 |
| Net loans and leases to core deposits | 115.1613% | 729 |
| Total domestic deposits to total assets | 69.6727% | 5,164 |
| Equity capital to assets | 9.2478% | 4,368 |
| Core capital (leverage) ratio | 8.2254% | 5,159 |
| Tier 1 risk-based capital ratio | 11.9627% | 4,447 |
| Total risk-based capital ratio | 12.7194% | 4,642 |
| Memoranda: | ||
| Average total assets | $430,934,800 | 1,591 |
| Average earning assets | $386,400,800 | 1,639 |
| Average equity | $39,958,000 | 1,863 |
| Average total loans | $288,161,200 | 1,646 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,900 |
| Cost of funding earning assets | 0.8960% | 941 |
| Net interest margin | 3.1120% | 4,681 |
| Noninterest income to average assets | 0.6191% | 2,218 |
| Noninterest expense to average assets | 3.0789% | 1,815 |
| Loan and lease loss provision to assets | 0.0031% | 3,905 |
| Net operating income to assets | 0.3263% | 5,066 |
| Return on assets (ROA) | 0.3242% | 5,059 |
| Pretax return on assets | 0.3226% | 5,116 |
| Return on Equity (ROE) | 3.4936% | 4,925 |
| Retained earnings to average equity (ytd only) | 0.8114% | 4,900 |
| Net charge-offs to loans | -0.0296% | 4,746 |
| Credit loss provision to net charge-offs | -15.8730% | 4,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3753% | 316 |
| Assets per employee ($millions) | 4.1681% | 3,619 |
| Cash dividends to net income (ytd only)* | 76.7754% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7112% | 4,853 |
| Loan loss allowance to noncurrent loans | 546.0526% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 2,630 |
| Noncurrent loans to loans | 0.1302% | 4,299 |
| Net loans and leases to total assets | 67.4780% | 3,014 |
| Net loans and leases to deposits | 99.1068% | 852 |
| Net loans and leases to core deposits | 114.6639% | 784 |
| Total domestic deposits to total assets | 68.0862% | 5,280 |
| Equity capital to assets | 9.1475% | 4,420 |
| Core capital (leverage) ratio | 8.4312% | 5,126 |
| Tier 1 risk-based capital ratio | 11.9192% | 4,543 |
| Total risk-based capital ratio | 12.6251% | 4,749 |
| Memoranda: | ||
| Average total assets | $428,579,750 | 1,610 |
| Average earning assets | $383,920,250 | 1,660 |
| Average equity | $39,766,750 | 1,870 |
| Average total loans | $284,193,750 | 1,672 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,986 |
| Cost of funding earning assets | 0.8434% | 946 |
| Net interest margin | 3.0905% | 4,745 |
| Noninterest income to average assets | 0.5972% | 2,332 |
| Noninterest expense to average assets | 3.1200% | 1,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2675% | 5,163 |
| Return on assets (ROA) | 0.2633% | 5,164 |
| Pretax return on assets | 0.2395% | 5,212 |
| Return on Equity (ROE) | 2.8248% | 5,050 |
| Retained earnings to average equity (ytd only) | 0.3205% | 4,905 |
| Net charge-offs to loans | 0.0021% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 467 |
| Efficiency ratio | 92.7540% | 288 |
| Assets per employee ($millions) | 3.8381% | 4,150 |
| Cash dividends to net income (ytd only)* | 88.6525% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 4,931 |
| Loan loss allowance to noncurrent loans | 87.0266% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 1,540 |
| Noncurrent loans to loans | 0.8135% | 2,100 |
| Net loans and leases to total assets | 64.6439% | 3,324 |
| Net loans and leases to deposits | 94.4606% | 1,304 |
| Net loans and leases to core deposits | 104.9294% | 1,317 |
| Total domestic deposits to total assets | 68.4348% | 5,327 |
| Equity capital to assets | 9.1067% | 4,475 |
| Core capital (leverage) ratio | 8.3906% | 5,175 |
| Tier 1 risk-based capital ratio | 12.0409% | 4,470 |
| Total risk-based capital ratio | 12.7316% | 4,696 |
| Memoranda: | ||
| Average total assets | $428,333,330 | 1,617 |
| Average earning assets | $383,434,330 | 1,671 |
| Average equity | $39,931,670 | 1,861 |
| Average total loans | $281,668,000 | 1,681 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 3,728 |
| Cost of funding earning assets | 0.8118% | 907 |
| Net interest margin | 3.1557% | 4,589 |
| Noninterest income to average assets | 0.7170% | 1,757 |
| Noninterest expense to average assets | 3.1322% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3831% | 4,957 |
| Return on assets (ROA) | 0.3768% | 4,978 |
| Pretax return on assets | 0.3985% | 5,040 |
| Return on Equity (ROE) | 3.9951% | 4,765 |
| Retained earnings to average equity (ytd only) | 1.5044% | 4,488 |
| Net charge-offs to loans | -0.0043% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5494% | 506 |
| Assets per employee ($millions) | 3.4975% | 4,667 |
| Cash dividends to net income (ytd only)* | 62.3441% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,955 |
| Loan loss allowance to noncurrent loans | 82.5103% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.2520% | 1,192 |
| Noncurrent loans to loans | 0.8891% | 2,048 |
| Net loans and leases to total assets | 65.1835% | 3,151 |
| Net loans and leases to deposits | 93.9254% | 1,230 |
| Net loans and leases to core deposits | 103.4952% | 1,415 |
| Total domestic deposits to total assets | 69.3992% | 5,380 |
| Equity capital to assets | 9.5571% | 4,036 |
| Core capital (leverage) ratio | 8.4909% | 5,148 |
| Tier 1 risk-based capital ratio | 12.3394% | 4,350 |
| Total risk-based capital ratio | 13.0474% | 4,563 |
| Memoranda: | ||
| Average total assets | $425,649,000 | 1,632 |
| Average earning assets | $380,393,000 | 1,697 |
| Average equity | $40,149,500 | 1,862 |
| Average total loans | $281,321,500 | 1,692 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8157% | 3,996 |
| Cost of funding earning assets | 0.8007% | 620 |
| Net interest margin | 3.0150% | 4,853 |
| Noninterest income to average assets | 0.7734% | 1,676 |
| Noninterest expense to average assets | 3.0757% | 1,933 |
| Loan and lease loss provision to assets | 0.1952% | 1,067 |
| Net operating income to assets | 0.2282% | 5,054 |
| Return on assets (ROA) | 0.2218% | 5,087 |
| Pretax return on assets | 0.1933% | 5,319 |
| Return on Equity (ROE) | 2.2866% | 4,993 |
| Retained earnings to average equity (ytd only) | -0.4297% | 5,107 |
| Net charge-offs to loans | 0.4195% | 590 |
| Credit loss provision to net charge-offs | 73.8225% | 3,033 |
| Earnings coverage of net charge-offs (x) | 1.4937% | 3,882 |
| Efficiency ratio | 88.6205% | 496 |
| Assets per employee ($millions) | 3.4808% | 4,724 |
| Cash dividends to net income (ytd only)* | 118.7905% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 5,088 |
| Loan loss allowance to noncurrent loans | 67.8874% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 1,122 |
| Noncurrent loans to loans | 1.0192% | 1,746 |
| Net loans and leases to total assets | 66.0408% | 3,091 |
| Net loans and leases to deposits | 95.9713% | 1,095 |
| Net loans and leases to core deposits | 104.6814% | 1,363 |
| Total domestic deposits to total assets | 68.8131% | 5,446 |
| Equity capital to assets | 9.3133% | 4,415 |
| Core capital (leverage) ratio | 8.2669% | 5,309 |
| Tier 1 risk-based capital ratio | 12.1261% | 4,443 |
| Total risk-based capital ratio | 12.8239% | 4,701 |
| Memoranda: | ||
| Average total assets | $417,534,000 | 1,644 |
| Average earning assets | $373,534,600 | 1,691 |
| Average equity | $40,496,600 | 1,845 |
| Average total loans | $263,193,400 | 1,747 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 4,051 |
| Cost of funding earning assets | 0.8044% | 566 |
| Net interest margin | 2.9834% | 4,956 |
| Noninterest income to average assets | 0.8129% | 1,539 |
| Noninterest expense to average assets | 3.0397% | 2,000 |
| Loan and lease loss provision to assets | 0.2630% | 640 |
| Net operating income to assets | 0.2337% | 5,320 |
| Return on assets (ROA) | 0.2272% | 5,339 |
| Pretax return on assets | 0.1743% | 5,404 |
| Return on Equity (ROE) | 2.3182% | 5,257 |
| Retained earnings to average equity (ytd only) | -0.3161% | 5,259 |
| Net charge-offs to loans | 0.0332% | 2,768 |
| Credit loss provision to net charge-offs | 1,273.4375% | 288 |
| Earnings coverage of net charge-offs (x) | 21.4847% | 1,913 |
| Efficiency ratio | 87.2614% | 554 |
| Assets per employee ($millions) | 3.4998% | 4,738 |
| Cash dividends to net income (ytd only)* | 113.6368% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,436 |
| Loan loss allowance to noncurrent loans | 44.0423% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.2947% | 510 |
| Noncurrent loans to loans | 2.5187% | 605 |
| Net loans and leases to total assets | 64.5715% | 3,313 |
| Net loans and leases to deposits | 94.6429% | 1,232 |
| Net loans and leases to core deposits | 102.1305% | 1,536 |
| Total domestic deposits to total assets | 68.2265% | 5,531 |
| Equity capital to assets | 9.6909% | 4,251 |
| Core capital (leverage) ratio | 8.6210% | 5,133 |
| Tier 1 risk-based capital ratio | 12.4459% | 4,353 |
| Total risk-based capital ratio | 13.5254% | 4,347 |
| Memoranda: | ||
| Average total assets | $413,143,500 | 1,670 |
| Average earning assets | $369,812,000 | 1,720 |
| Average equity | $40,490,250 | 1,849 |
| Average total loans | $256,656,000 | 1,787 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 4,096 |
| Cost of funding earning assets | 0.8174% | 483 |
| Net interest margin | 2.9257% | 5,048 |
| Noninterest income to average assets | 0.7715% | 1,683 |
| Noninterest expense to average assets | 3.0097% | 2,081 |
| Loan and lease loss provision to assets | 0.3967% | 338 |
| Net operating income to assets | 0.1080% | 5,483 |
| Return on assets (ROA) | 0.1027% | 5,493 |
| Pretax return on assets | -0.0209% | 5,556 |
| Return on Equity (ROE) | 1.0440% | 5,466 |
| Retained earnings to average equity (ytd only) | -1.6774% | 5,317 |
| Net charge-offs to loans | 0.0478% | 2,259 |
| Credit loss provision to net charge-offs | 1,358.3333% | 311 |
| Earnings coverage of net charge-offs (x) | 13.1500% | 2,148 |
| Efficiency ratio | 88.6833% | 518 |
| Assets per employee ($millions) | 3.5724% | 4,620 |
| Cash dividends to net income (ytd only)* | 260.6635% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 3,141 |
| Loan loss allowance to noncurrent loans | 542.9590% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 2,230 |
| Noncurrent loans to loans | 0.2172% | 4,256 |
| Net loans and leases to total assets | 60.5546% | 3,786 |
| Net loans and leases to deposits | 90.8965% | 1,621 |
| Net loans and leases to core deposits | 96.4549% | 1,934 |
| Total domestic deposits to total assets | 66.6193% | 5,628 |
| Equity capital to assets | 9.6043% | 4,307 |
| Core capital (leverage) ratio | 8.5934% | 5,147 |
| Tier 1 risk-based capital ratio | 12.7144% | 4,178 |
| Total risk-based capital ratio | 13.8264% | 4,159 |
| Memoranda: | ||
| Average total assets | $410,867,000 | 1,678 |
| Average earning assets | $368,257,330 | 1,728 |
| Average equity | $40,420,670 | 1,852 |
| Average total loans | $250,799,670 | 1,822 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,005 |
| Cost of funding earning assets | 0.8172% | 443 |
| Net interest margin | 2.9128% | 5,062 |
| Noninterest income to average assets | 0.7802% | 1,621 |
| Noninterest expense to average assets | 3.1051% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2870% | 5,224 |
| Return on assets (ROA) | 0.2791% | 5,258 |
| Pretax return on assets | 0.2722% | 5,351 |
| Return on Equity (ROE) | 2.8028% | 5,147 |
| Retained earnings to average equity (ytd only) | -0.1684% | 4,944 |
| Net charge-offs to loans | 0.0761% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.0426% | 2,239 |
| Efficiency ratio | 91.7249% | 467 |
| Assets per employee ($millions) | 3.5294% | 4,751 |
| Cash dividends to net income (ytd only)* | 106.0071% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,733 |
| Loan loss allowance to noncurrent loans | 155.6172% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 1.0692% | 1,683 |
| Noncurrent loans to loans | 0.5822% | 3,065 |
| Net loans and leases to total assets | 60.9960% | 3,664 |
| Net loans and leases to deposits | 93.8500% | 1,122 |
| Net loans and leases to core deposits | 102.0182% | 1,365 |
| Total domestic deposits to total assets | 64.9930% | 5,728 |
| Equity capital to assets | 10.0624% | 3,677 |
| Core capital (leverage) ratio | 8.9479% | 4,800 |
| Tier 1 risk-based capital ratio | 13.1163% | 4,018 |
| Total risk-based capital ratio | 13.9537% | 4,158 |
| Memoranda: | ||
| Average total assets | $405,530,500 | 1,708 |
| Average earning assets | $362,680,500 | 1,764 |
| Average equity | $40,388,000 | 1,855 |
| Average total loans | $247,045,500 | 1,853 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,784 |
| Cost of funding earning assets | 0.7994% | 510 |
| Net interest margin | 3.0373% | 4,886 |
| Noninterest income to average assets | 0.8126% | 1,704 |
| Noninterest expense to average assets | 3.0556% | 2,157 |
| Loan and lease loss provision to assets | 0.0174% | 4,031 |
| Net operating income to assets | 0.4054% | 4,919 |
| Return on assets (ROA) | 0.4681% | 4,822 |
| Pretax return on assets | 0.5303% | 4,966 |
| Return on Equity (ROE) | 4.5378% | 4,642 |
| Retained earnings to average equity (ytd only) | 1.1586% | 4,830 |
| Net charge-offs to loans | 0.0624% | 2,810 |
| Credit loss provision to net charge-offs | 46.0526% | 3,427 |
| Earnings coverage of net charge-offs (x) | 12.5921% | 2,436 |
| Efficiency ratio | 86.0083% | 818 |
| Assets per employee ($millions) | 3.5852% | 4,636 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 4,652 |
| Loan loss allowance to noncurrent loans | 310.8548% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.8943% | 2,121 |
| Noncurrent loans to loans | 0.2991% | 4,073 |
| Net loans and leases to total assets | 59.7338% | 3,884 |
| Net loans and leases to deposits | 91.1201% | 1,558 |
| Net loans and leases to core deposits | 96.2227% | 1,905 |
| Total domestic deposits to total assets | 65.5550% | 5,766 |
| Equity capital to assets | 9.8578% | 3,871 |
| Core capital (leverage) ratio | 8.7894% | 4,978 |
| Tier 1 risk-based capital ratio | 13.5846% | 3,715 |
| Total risk-based capital ratio | 14.4699% | 3,855 |
| Memoranda: | ||
| Average total assets | $401,656,600 | 1,675 |
| Average earning assets | $359,632,800 | 1,725 |
| Average equity | $41,429,800 | 1,786 |
| Average total loans | $243,440,800 | 1,829 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8687% | 3,700 |
| Cost of funding earning assets | 0.7896% | 536 |
| Net interest margin | 3.0791% | 4,829 |
| Noninterest income to average assets | 0.8092% | 1,721 |
| Noninterest expense to average assets | 3.0651% | 2,109 |
| Loan and lease loss provision to assets | 0.0233% | 3,778 |
| Net operating income to assets | 0.4163% | 4,971 |
| Return on assets (ROA) | 0.4978% | 4,797 |
| Pretax return on assets | 0.5735% | 4,950 |
| Return on Equity (ROE) | 4.7720% | 4,615 |
| Retained earnings to average equity (ytd only) | 1.2561% | 5,011 |
| Net charge-offs to loans | 0.0632% | 2,451 |
| Credit loss provision to net charge-offs | 60.8696% | 2,898 |
| Earnings coverage of net charge-offs (x) | 13.1217% | 2,332 |
| Efficiency ratio | 85.2364% | 880 |
| Assets per employee ($millions) | 3.5398% | 4,727 |
| Cash dividends to net income (ytd only)* | 73.6770% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 4,586 |
| Loan loss allowance to noncurrent loans | 418.7050% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 1.3403% | 1,410 |
| Noncurrent loans to loans | 0.2307% | 4,442 |
| Net loans and leases to total assets | 59.6774% | 3,920 |
| Net loans and leases to deposits | 92.8854% | 1,385 |
| Net loans and leases to core deposits | 98.8431% | 1,740 |
| Total domestic deposits to total assets | 64.2485% | 5,845 |
| Equity capital to assets | 10.4628% | 3,606 |
| Core capital (leverage) ratio | 8.9514% | 4,881 |
| Tier 1 risk-based capital ratio | 13.7469% | 3,709 |
| Total risk-based capital ratio | 14.6595% | 3,824 |
| Memoranda: | ||
| Average total assets | $399,892,500 | 1,687 |
| Average earning assets | $358,320,000 | 1,732 |
| Average equity | $41,714,750 | 1,785 |
| Average total loans | $242,693,250 | 1,835 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 3,729 |
| Cost of funding earning assets | 0.7772% | 548 |
| Net interest margin | 3.0853% | 4,870 |
| Noninterest income to average assets | 0.7868% | 1,775 |
| Noninterest expense to average assets | 3.0566% | 2,183 |
| Loan and lease loss provision to assets | 0.0300% | 3,530 |
| Net operating income to assets | 0.4053% | 5,016 |
| Return on assets (ROA) | 0.5262% | 4,701 |
| Pretax return on assets | 0.6087% | 4,861 |
| Return on Equity (ROE) | 5.0493% | 4,495 |
| Retained earnings to average equity (ytd only) | 1.2095% | 4,896 |
| Net charge-offs to loans | 0.1274% | 1,569 |
| Credit loss provision to net charge-offs | 38.7097% | 2,781 |
| Earnings coverage of net charge-offs (x) | 6.4258% | 2,745 |
| Efficiency ratio | 85.3243% | 939 |
| Assets per employee ($millions) | 3.6137% | 4,579 |
| Cash dividends to net income (ytd only)* | 76.0456% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 4,750 |
| Loan loss allowance to noncurrent loans | 190.1503% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.5980% | 1,159 |
| Noncurrent loans to loans | 0.5004% | 3,580 |
| Net loans and leases to total assets | 59.6540% | 3,927 |
| Net loans and leases to deposits | 93.2690% | 1,369 |
| Net loans and leases to core deposits | 98.8342% | 1,737 |
| Total domestic deposits to total assets | 63.9591% | 5,933 |
| Equity capital to assets | 10.5628% | 3,566 |
| Core capital (leverage) ratio | 8.7605% | 5,099 |
| Tier 1 risk-based capital ratio | 12.8637% | 4,277 |
| Total risk-based capital ratio | 13.7027% | 4,464 |
| Memoranda: | ||
| Average total assets | $399,857,670 | 1,690 |
| Average earning assets | $358,733,330 | 1,736 |
| Average equity | $41,669,330 | 1,781 |
| Average total loans | $243,245,670 | 1,837 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 3,975 |
| Cost of funding earning assets | 0.7799% | 546 |
| Net interest margin | 3.0110% | 5,096 |
| Noninterest income to average assets | 0.7770% | 1,706 |
| Noninterest expense to average assets | 3.0980% | 2,111 |
| Loan and lease loss provision to assets | 0.0199% | 3,433 |
| Net operating income to assets | 0.3225% | 5,235 |
| Return on assets (ROA) | 0.5735% | 4,412 |
| Pretax return on assets | 0.6513% | 4,675 |
| Return on Equity (ROE) | 5.5408% | 4,202 |
| Retained earnings to average equity (ytd only) | 0.7227% | 4,927 |
| Net charge-offs to loans | 0.0147% | 2,649 |
| Credit loss provision to net charge-offs | 222.2222% | 1,013 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 969 |
| Efficiency ratio | 88.2336% | 795 |
| Assets per employee ($millions) | 3.8191% | 4,267 |
| Cash dividends to net income (ytd only)* | 86.9565% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 4,719 |
| Loan loss allowance to noncurrent loans | 178.1764% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.3840% | 1,507 |
| Noncurrent loans to loans | 0.5490% | 3,533 |
| Net loans and leases to total assets | 60.1841% | 3,748 |
| Net loans and leases to deposits | 93.5170% | 1,191 |
| Net loans and leases to core deposits | 100.7132% | 1,424 |
| Total domestic deposits to total assets | 64.3563% | 5,994 |
| Equity capital to assets | 10.3958% | 3,621 |
| Core capital (leverage) ratio | 8.8774% | 4,986 |
| Tier 1 risk-based capital ratio | 12.6217% | 4,508 |
| Total risk-based capital ratio | 13.4877% | 4,662 |
| Memoranda: | ||
| Average total assets | $401,033,000 | 1,685 |
| Average earning assets | $360,539,500 | 1,724 |
| Average equity | $41,510,000 | 1,779 |
| Average total loans | $245,165,000 | 1,828 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8846% | 3,760 |
| Cost of funding earning assets | 0.8389% | 405 |
| Net interest margin | 3.0458% | 5,035 |
| Noninterest income to average assets | 0.8413% | 1,637 |
| Noninterest expense to average assets | 2.9695% | 2,644 |
| Loan and lease loss provision to assets | 0.0163% | 4,084 |
| Net operating income to assets | 0.4780% | 4,773 |
| Return on assets (ROA) | 0.4741% | 4,874 |
| Pretax return on assets | 0.5886% | 4,879 |
| Return on Equity (ROE) | 4.5747% | 4,707 |
| Retained earnings to average equity (ytd only) | 1.7838% | 4,715 |
| Net charge-offs to loans | 0.0330% | 3,554 |
| Credit loss provision to net charge-offs | 80.2469% | 2,943 |
| Earnings coverage of net charge-offs (x) | 29.9259% | 1,460 |
| Efficiency ratio | 82.3050% | 1,365 |
| Assets per employee ($millions) | 4.0106% | 3,923 |
| Cash dividends to net income (ytd only)* | 61.0080% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9619% | 4,803 |
| Loan loss allowance to noncurrent loans | 145.6108% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 1,412 |
| Noncurrent loans to loans | 0.6606% | 3,209 |
| Net loans and leases to total assets | 60.8967% | 3,711 |
| Net loans and leases to deposits | 94.1773% | 1,186 |
| Net loans and leases to core deposits | 100.6010% | 1,465 |
| Total domestic deposits to total assets | 64.6617% | 6,038 |
| Equity capital to assets | 10.3057% | 3,618 |
| Core capital (leverage) ratio | 8.6826% | 5,233 |
| Tier 1 risk-based capital ratio | 12.4288% | 4,682 |
| Total risk-based capital ratio | 13.2803% | 4,832 |
| Memoranda: | ||
| Average total assets | $397,580,800 | 1,660 |
| Average earning assets | $357,381,800 | 1,693 |
| Average equity | $41,204,800 | 1,754 |
| Average total loans | $245,414,000 | 1,755 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,932 |
| Cost of funding earning assets | 0.8434% | 393 |
| Net interest margin | 3.0078% | 5,169 |
| Noninterest income to average assets | 0.8369% | 1,663 |
| Noninterest expense to average assets | 2.9633% | 2,626 |
| Loan and lease loss provision to assets | 0.0118% | 4,039 |
| Net operating income to assets | 0.4664% | 4,910 |
| Return on assets (ROA) | 0.4631% | 5,018 |
| Pretax return on assets | 0.5619% | 5,062 |
| Return on Equity (ROE) | 4.4624% | 4,849 |
| Retained earnings to average equity (ytd only) | 1.7098% | 5,015 |
| Net charge-offs to loans | 0.0348% | 3,216 |
| Credit loss provision to net charge-offs | 54.6875% | 2,981 |
| Earnings coverage of net charge-offs (x) | 26.8597% | 1,600 |
| Efficiency ratio | 83.0106% | 1,270 |
| Assets per employee ($millions) | 3.9901% | 3,892 |
| Cash dividends to net income (ytd only)* | 61.6838% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 4,932 |
| Loan loss allowance to noncurrent loans | 148.2412% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4471% | 1,564 |
| Noncurrent loans to loans | 0.6487% | 3,382 |
| Net loans and leases to total assets | 60.3085% | 3,836 |
| Net loans and leases to deposits | 93.4091% | 1,268 |
| Net loans and leases to core deposits | 104.3972% | 1,205 |
| Total domestic deposits to total assets | 64.5639% | 6,121 |
| Equity capital to assets | 10.3037% | 3,811 |
| Core capital (leverage) ratio | 8.7702% | 5,275 |
| Tier 1 risk-based capital ratio | 12.4679% | 4,782 |
| Total risk-based capital ratio | 13.3231% | 4,951 |
| Memoranda: | ||
| Average total assets | $396,711,500 | 1,678 |
| Average earning assets | $356,659,250 | 1,702 |
| Average equity | $41,173,000 | 1,769 |
| Average total loans | $245,116,750 | 1,765 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 3,827 |
| Cost of funding earning assets | 0.8491% | 382 |
| Net interest margin | 3.0112% | 5,200 |
| Noninterest income to average assets | 0.8145% | 1,719 |
| Noninterest expense to average assets | 2.9923% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4459% | 4,980 |
| Return on assets (ROA) | 0.4425% | 5,091 |
| Pretax return on assets | 0.5251% | 5,160 |
| Return on Equity (ROE) | 4.2527% | 4,925 |
| Retained earnings to average equity (ytd only) | 1.5735% | 4,915 |
| Net charge-offs to loans | 0.0302% | 3,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 28.2162% | 1,424 |
| Efficiency ratio | 84.2976% | 1,231 |
| Assets per employee ($millions) | 3.6692% | 4,491 |
| Cash dividends to net income (ytd only)* | 63.0011% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 5,074 |
| Loan loss allowance to noncurrent loans | 156.3830% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 1.4566% | 1,704 |
| Noncurrent loans to loans | 0.6111% | 3,642 |
| Net loans and leases to total assets | 61.5103% | 3,625 |
| Net loans and leases to deposits | 90.4281% | 1,540 |
| Net loans and leases to core deposits | 101.1957% | 1,389 |
| Total domestic deposits to total assets | 68.0212% | 6,111 |
| Equity capital to assets | 10.3303% | 3,649 |
| Core capital (leverage) ratio | 8.5613% | 5,478 |
| Tier 1 risk-based capital ratio | 12.2692% | 4,956 |
| Total risk-based capital ratio | 13.1131% | 5,138 |
| Memoranda: | ||
| Average total assets | $394,615,000 | 1,694 |
| Average earning assets | $354,737,670 | 1,724 |
| Average equity | $41,056,000 | 1,783 |
| Average total loans | $245,021,000 | 1,780 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,684 |
| Cost of funding earning assets | 0.8501% | 383 |
| Net interest margin | 3.0335% | 5,115 |
| Noninterest income to average assets | 0.7811% | 1,779 |
| Noninterest expense to average assets | 3.0301% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4161% | 5,013 |
| Return on assets (ROA) | 0.4134% | 5,134 |
| Pretax return on assets | 0.4774% | 5,239 |
| Return on Equity (ROE) | 3.9595% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.5274% | 4,869 |
| Net charge-offs to loans | 0.0638% | 2,108 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 12.1282% | 1,817 |
| Efficiency ratio | 85.6192% | 1,213 |
| Assets per employee ($millions) | 3.7718% | 4,388 |
| Cash dividends to net income (ytd only)* | 61.4251% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 5,306 |
| Loan loss allowance to noncurrent loans | 107.0615% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 1,321 |
| Noncurrent loans to loans | 0.8752% | 3,058 |
| Net loans and leases to total assets | 62.7373% | 3,263 |
| Net loans and leases to deposits | 90.8820% | 1,306 |
| Net loans and leases to core deposits | 102.9378% | 1,121 |
| Total domestic deposits to total assets | 69.0316% | 6,168 |
| Equity capital to assets | 10.4475% | 3,589 |
| Core capital (leverage) ratio | 8.7470% | 5,265 |
| Tier 1 risk-based capital ratio | 11.9660% | 5,262 |
| Total risk-based capital ratio | 12.7927% | 5,446 |
| Memoranda: | ||
| Average total assets | $393,786,500 | 1,698 |
| Average earning assets | $354,308,500 | 1,730 |
| Average equity | $41,116,000 | 1,787 |
| Average total loans | $244,481,500 | 1,780 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 3,738 |
| Cost of funding earning assets | 0.9599% | 274 |
| Net interest margin | 3.0375% | 5,354 |
| Noninterest income to average assets | 0.8280% | 1,763 |
| Noninterest expense to average assets | 3.0125% | 2,804 |
| Loan and lease loss provision to assets | 0.0488% | 3,595 |
| Net operating income to assets | 0.4097% | 5,192 |
| Return on assets (ROA) | 0.4189% | 5,228 |
| Pretax return on assets | 0.4935% | 5,270 |
| Return on Equity (ROE) | 3.9854% | 5,123 |
| Retained earnings to average equity (ytd only) | 0.9738% | 5,340 |
| Net charge-offs to loans | 0.1254% | 2,776 |
| Credit loss provision to net charge-offs | 62.9252% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.8537% | 3,129 |
| Efficiency ratio | 84.3034% | 1,372 |
| Assets per employee ($millions) | 3.6253% | 4,671 |
| Cash dividends to net income (ytd only)* | 75.5668% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 5,039 |
| Loan loss allowance to noncurrent loans | 104.1412% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 1.9416% | 1,326 |
| Noncurrent loans to loans | 0.9633% | 2,916 |
| Net loans and leases to total assets | 60.2144% | 3,760 |
| Net loans and leases to deposits | 84.1642% | 2,194 |
| Net loans and leases to core deposits | 95.6081% | 1,754 |
| Total domestic deposits to total assets | 71.5440% | 6,116 |
| Equity capital to assets | 10.4349% | 3,569 |
| Core capital (leverage) ratio | 8.5664% | 5,482 |
| Tier 1 risk-based capital ratio | 12.5867% | 4,985 |
| Total risk-based capital ratio | 13.4979% | 5,108 |
| Memoranda: | ||
| Average total assets | $379,117,600 | 1,730 |
| Average earning assets | $338,993,200 | 1,764 |
| Average equity | $39,845,600 | 1,783 |
| Average total loans | $234,392,600 | 1,794 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,758 |
| Cost of funding earning assets | 0.9687% | 280 |
| Net interest margin | 3.0315% | 5,435 |
| Noninterest income to average assets | 0.8191% | 1,820 |
| Noninterest expense to average assets | 2.9924% | 2,824 |
| Loan and lease loss provision to assets | 0.0461% | 3,466 |
| Net operating income to assets | 0.4104% | 5,207 |
| Return on assets (ROA) | 0.4223% | 5,247 |
| Pretax return on assets | 0.5014% | 5,322 |
| Return on Equity (ROE) | 4.0107% | 5,166 |
| Retained earnings to average equity (ytd only) | 0.9799% | 5,491 |
| Net charge-offs to loans | 0.1605% | 2,200 |
| Credit loss provision to net charge-offs | 46.2633% | 3,170 |
| Earnings coverage of net charge-offs (x) | 5.3523% | 3,284 |
| Efficiency ratio | 84.1597% | 1,373 |
| Assets per employee ($millions) | 3.6167% | 4,646 |
| Cash dividends to net income (ytd only)* | 75.5668% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 5,216 |
| Loan loss allowance to noncurrent loans | 98.3243% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.0683% | 1,365 |
| Noncurrent loans to loans | 1.0179% | 3,037 |
| Net loans and leases to total assets | 62.3208% | 3,436 |
| Net loans and leases to deposits | 88.9396% | 1,562 |
| Net loans and leases to core deposits | 98.9777% | 1,452 |
| Total domestic deposits to total assets | 70.0709% | 6,283 |
| Equity capital to assets | 10.8793% | 3,085 |
| Core capital (leverage) ratio | 8.9933% | 5,078 |
| Tier 1 risk-based capital ratio | 12.6098% | 5,104 |
| Total risk-based capital ratio | 13.5100% | 5,247 |
| Memoranda: | ||
| Average total assets | $376,013,500 | 1,752 |
| Average earning assets | $335,705,500 | 1,797 |
| Average equity | $39,593,000 | 1,803 |
| Average total loans | $233,453,500 | 1,806 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0072% | 3,706 |
| Cost of funding earning assets | 0.9669% | 296 |
| Net interest margin | 3.0403% | 5,418 |
| Noninterest income to average assets | 0.8139% | 1,789 |
| Noninterest expense to average assets | 2.9546% | 2,984 |
| Loan and lease loss provision to assets | 0.0583% | 3,122 |
| Net operating income to assets | 0.4214% | 5,128 |
| Return on assets (ROA) | 0.4401% | 5,133 |
| Pretax return on assets | 0.5382% | 5,163 |
| Return on Equity (ROE) | 4.2259% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.1710% | 5,285 |
| Net charge-offs to loans | 0.0009% | 4,364 |
| Credit loss provision to net charge-offs | 11,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 1,082.0000% | 57 |
| Efficiency ratio | 83.0328% | 1,624 |
| Assets per employee ($millions) | 3.5085% | 4,829 |
| Cash dividends to net income (ytd only)* | 72.2892% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 4,913 |
| Loan loss allowance to noncurrent loans | 73.6233% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 2.2034% | 1,382 |
| Noncurrent loans to loans | 1.4921% | 2,332 |
| Net loans and leases to total assets | 62.5187% | 3,322 |
| Net loans and leases to deposits | 89.5243% | 1,414 |
| Net loans and leases to core deposits | 98.2658% | 1,423 |
| Total domestic deposits to total assets | 69.8344% | 6,358 |
| Equity capital to assets | 10.8195% | 3,067 |
| Core capital (leverage) ratio | 8.7427% | 5,347 |
| Tier 1 risk-based capital ratio | 12.3927% | 5,304 |
| Total risk-based capital ratio | 13.3779% | 5,388 |
| Memoranda: | ||
| Average total assets | $377,176,670 | 1,741 |
| Average earning assets | $336,743,330 | 1,787 |
| Average equity | $39,281,330 | 1,804 |
| Average total loans | $233,102,330 | 1,802 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,607 |
| Cost of funding earning assets | 0.9626% | 318 |
| Net interest margin | 3.0561% | 5,372 |
| Noninterest income to average assets | 0.7872% | 1,811 |
| Noninterest expense to average assets | 2.9361% | 3,094 |
| Loan and lease loss provision to assets | 0.0688% | 2,756 |
| Net operating income to assets | 0.3992% | 5,118 |
| Return on assets (ROA) | 0.4380% | 5,041 |
| Pretax return on assets | 0.5597% | 4,984 |
| Return on Equity (ROE) | 4.2887% | 4,889 |
| Retained earnings to average equity (ytd only) | 1.1809% | 5,131 |
| Net charge-offs to loans | -0.0139% | 5,175 |
| Credit loss provision to net charge-offs | -812.5000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8116% | 1,823 |
| Assets per employee ($millions) | 3.5119% | 4,896 |
| Cash dividends to net income (ytd only)* | 72.4638% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 5,120 |
| Loan loss allowance to noncurrent loans | 108.6644% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.8714% | 1,849 |
| Noncurrent loans to loans | 1.0121% | 3,394 |
| Net loans and leases to total assets | 60.9578% | 3,407 |
| Net loans and leases to deposits | 85.8517% | 1,621 |
| Net loans and leases to core deposits | 96.2668% | 1,365 |
| Total domestic deposits to total assets | 71.0035% | 6,402 |
| Equity capital to assets | 10.2997% | 3,472 |
| Core capital (leverage) ratio | 8.7457% | 5,328 |
| Tier 1 risk-based capital ratio | 12.3872% | 5,378 |
| Total risk-based capital ratio | 13.3626% | 5,500 |
| Memoranda: | ||
| Average total assets | $378,058,000 | 1,741 |
| Average earning assets | $337,418,000 | 1,787 |
| Average equity | $38,613,000 | 1,823 |
| Average total loans | $230,998,000 | 1,816 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,672 |
| Cost of funding earning assets | 0.9864% | 480 |
| Net interest margin | 2.8487% | 5,901 |
| Noninterest income to average assets | 0.9662% | 1,473 |
| Noninterest expense to average assets | 2.9869% | 3,089 |
| Loan and lease loss provision to assets | 0.0754% | 3,598 |
| Net operating income to assets | 0.4250% | 5,055 |
| Return on assets (ROA) | 0.4131% | 5,215 |
| Pretax return on assets | 0.4319% | 5,407 |
| Return on Equity (ROE) | 3.9698% | 5,125 |
| Retained earnings to average equity (ytd only) | -0.6078% | 5,991 |
| Net charge-offs to loans | 0.0936% | 3,912 |
| Credit loss provision to net charge-offs | 139.0244% | 1,678 |
| Earnings coverage of net charge-offs (x) | 9.5805% | 2,485 |
| Efficiency ratio | 84.4691% | 1,580 |
| Assets per employee ($millions) | 3.4572% | 4,984 |
| Cash dividends to net income (ytd only)* | 115.3107% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 5,179 |
| Loan loss allowance to noncurrent loans | 71.5759% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.1989% | 1,625 |
| Noncurrent loans to loans | 1.5292% | 2,597 |
| Net loans and leases to total assets | 59.9004% | 3,738 |
| Net loans and leases to deposits | 84.1230% | 1,927 |
| Net loans and leases to core deposits | 89.1806% | 2,118 |
| Total domestic deposits to total assets | 71.2057% | 6,464 |
| Equity capital to assets | 10.1268% | 3,593 |
| Core capital (leverage) ratio | 8.7688% | 5,334 |
| Tier 1 risk-based capital ratio | 12.3703% | 5,383 |
| Total risk-based capital ratio | 13.3209% | 5,510 |
| Memoranda: | ||
| Average total assets | $377,888,600 | 1,731 |
| Average earning assets | $336,990,200 | 1,762 |
| Average equity | $39,321,600 | 1,779 |
| Average total loans | $219,057,800 | 1,870 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,751 |
| Cost of funding earning assets | 0.9908% | 515 |
| Net interest margin | 2.8342% | 5,956 |
| Noninterest income to average assets | 0.9992% | 1,458 |
| Noninterest expense to average assets | 2.9684% | 3,083 |
| Loan and lease loss provision to assets | 0.0970% | 3,144 |
| Net operating income to assets | 0.4423% | 5,056 |
| Return on assets (ROA) | 0.4294% | 5,261 |
| Pretax return on assets | 0.4488% | 5,501 |
| Return on Equity (ROE) | 4.0997% | 5,173 |
| Retained earnings to average equity (ytd only) | 0.5655% | 5,745 |
| Net charge-offs to loans | 0.0867% | 3,710 |
| Credit loss provision to net charge-offs | 195.0355% | 1,242 |
| Earnings coverage of net charge-offs (x) | 11.2479% | 2,261 |
| Efficiency ratio | 83.4383% | 1,665 |
| Assets per employee ($millions) | 3.4041% | 5,056 |
| Cash dividends to net income (ytd only)* | 86.2072% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,069 |
| Loan loss allowance to noncurrent loans | 65.6379% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.3819% | 1,642 |
| Noncurrent loans to loans | 1.7680% | 2,545 |
| Net loans and leases to total assets | 59.1232% | 3,833 |
| Net loans and leases to deposits | 84.2770% | 1,844 |
| Net loans and leases to core deposits | 85.5376% | 2,462 |
| Total domestic deposits to total assets | 70.1535% | 6,591 |
| Equity capital to assets | 10.6522% | 3,115 |
| Core capital (leverage) ratio | 8.9378% | 5,219 |
| Tier 1 risk-based capital ratio | 12.9555% | 5,156 |
| Total risk-based capital ratio | 13.9606% | 5,265 |
| Memoranda: | ||
| Average total assets | $378,152,750 | 1,741 |
| Average earning assets | $337,349,750 | 1,775 |
| Average equity | $39,611,750 | 1,773 |
| Average total loans | $216,766,750 | 1,888 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 4,954 |
| Cost of funding earning assets | 0.9902% | 565 |
| Net interest margin | 2.7712% | 6,062 |
| Noninterest income to average assets | 1.0124% | 1,500 |
| Noninterest expense to average assets | 2.9178% | 3,278 |
| Loan and lease loss provision to assets | 0.0812% | 3,437 |
| Net operating income to assets | 0.4681% | 4,931 |
| Return on assets (ROA) | 0.4580% | 5,154 |
| Pretax return on assets | 0.4784% | 5,443 |
| Return on Equity (ROE) | 4.3962% | 5,048 |
| Retained earnings to average equity (ytd only) | 0.8752% | 5,549 |
| Net charge-offs to loans | 0.1103% | 3,256 |
| Credit loss provision to net charge-offs | 130.2521% | 1,741 |
| Earnings coverage of net charge-offs (x) | 9.1429% | 2,320 |
| Efficiency ratio | 82.9477% | 1,765 |
| Assets per employee ($millions) | 3.6187% | 4,577 |
| Cash dividends to net income (ytd only)* | 80.0915% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 5,309 |
| Loan loss allowance to noncurrent loans | 68.9132% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 2.2697% | 1,909 |
| Noncurrent loans to loans | 1.6437% | 2,849 |
| Net loans and leases to total assets | 56.9126% | 4,150 |
| Net loans and leases to deposits | 80.2504% | 2,288 |
| Net loans and leases to core deposits | 81.2120% | 2,892 |
| Total domestic deposits to total assets | 70.9187% | 6,622 |
| Equity capital to assets | 10.3536% | 3,488 |
| Core capital (leverage) ratio | 8.5760% | 5,582 |
| Tier 1 risk-based capital ratio | 12.9657% | 5,166 |
| Total risk-based capital ratio | 13.9334% | 5,309 |
| Memoranda: | ||
| Average total assets | $381,655,670 | 1,732 |
| Average earning assets | $340,929,670 | 1,760 |
| Average equity | $39,761,670 | 1,772 |
| Average total loans | $215,717,330 | 1,896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 5,117 |
| Cost of funding earning assets | 0.9941% | 635 |
| Net interest margin | 2.7193% | 6,188 |
| Noninterest income to average assets | 1.0627% | 1,318 |
| Noninterest expense to average assets | 2.8841% | 3,400 |
| Loan and lease loss provision to assets | 0.0572% | 3,679 |
| Net operating income to assets | 0.5280% | 4,540 |
| Return on assets (ROA) | 0.5100% | 4,753 |
| Pretax return on assets | 0.5339% | 5,164 |
| Return on Equity (ROE) | 4.8805% | 4,643 |
| Retained earnings to average equity (ytd only) | 1.3944% | 5,280 |
| Net charge-offs to loans | 0.0427% | 3,434 |
| Credit loss provision to net charge-offs | 239.1304% | 952 |
| Earnings coverage of net charge-offs (x) | 25.4783% | 1,050 |
| Efficiency ratio | 81.8290% | 2,060 |
| Assets per employee ($millions) | 3.7288% | 4,493 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,464 |
| Loan loss allowance to noncurrent loans | 63.0144% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.3519% | 1,978 |
| Noncurrent loans to loans | 1.8000% | 2,862 |
| Net loans and leases to total assets | 56.1487% | 4,058 |
| Net loans and leases to deposits | 79.1068% | 2,196 |
| Net loans and leases to core deposits | 80.0408% | 2,800 |
| Total domestic deposits to total assets | 70.9783% | 6,709 |
| Equity capital to assets | 10.5584% | 3,482 |
| Core capital (leverage) ratio | 8.8547% | 5,113 |
| Tier 1 risk-based capital ratio | 12.7073% | 5,426 |
| Total risk-based capital ratio | 13.6558% | 5,583 |
| Memoranda: | ||
| Average total assets | $384,312,500 | 1,740 |
| Average earning assets | $343,619,500 | 1,764 |
| Average equity | $40,160,000 | 1,767 |
| Average total loans | $215,256,000 | 1,908 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9186% | 5,524 |
| Cost of funding earning assets | 1.1623% | 685 |
| Net interest margin | 2.7563% | 6,437 |
| Noninterest income to average assets | 0.9561% | 1,678 |
| Noninterest expense to average assets | 2.8741% | 3,745 |
| Loan and lease loss provision to assets | 0.0840% | 4,651 |
| Net operating income to assets | 0.4048% | 5,082 |
| Return on assets (ROA) | 0.3624% | 5,471 |
| Pretax return on assets | 0.4270% | 5,492 |
| Return on Equity (ROE) | 3.5053% | 5,346 |
| Retained earnings to average equity (ytd only) | 1.6016% | 5,069 |
| Net charge-offs to loans | -0.0218% | 6,567 |
| Credit loss provision to net charge-offs | -780.4878% | 6,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9539% | 1,752 |
| Assets per employee ($millions) | 3.8068% | 4,353 |
| Cash dividends to net income (ytd only)* | 54.3085% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 5,448 |
| Loan loss allowance to noncurrent loans | 76.7132% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1157% | 2,317 |
| Noncurrent loans to loans | 1.4694% | 3,391 |
| Net loans and leases to total assets | 54.6218% | 4,526 |
| Net loans and leases to deposits | 76.3138% | 2,747 |
| Net loans and leases to core deposits | 77.1886% | 3,372 |
| Total domestic deposits to total assets | 71.5753% | 6,712 |
| Equity capital to assets | 10.3435% | 3,705 |
| Core capital (leverage) ratio | 8.5838% | 5,486 |
| Tier 1 risk-based capital ratio | 12.9087% | 5,179 |
| Total risk-based capital ratio | 13.8643% | 5,337 |
| Memoranda: | ||
| Average total assets | $381,021,200 | 1,708 |
| Average earning assets | $342,674,600 | 1,738 |
| Average equity | $39,397,400 | 1,767 |
| Average total loans | $187,871,400 | 2,114 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 5,657 |
| Cost of funding earning assets | 1.1931% | 717 |
| Net interest margin | 2.7587% | 6,567 |
| Noninterest income to average assets | 0.9669% | 1,606 |
| Noninterest expense to average assets | 2.8860% | 3,653 |
| Loan and lease loss provision to assets | 0.0703% | 4,788 |
| Net operating income to assets | 0.4001% | 5,247 |
| Return on assets (ROA) | 0.3520% | 5,631 |
| Pretax return on assets | 0.4325% | 5,643 |
| Return on Equity (ROE) | 3.4041% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.0438% | 5,303 |
| Net charge-offs to loans | -0.0228% | 6,525 |
| Credit loss provision to net charge-offs | -645.1613% | 6,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9713% | 1,701 |
| Assets per employee ($millions) | 3.6930% | 4,558 |
| Cash dividends to net income (ytd only)* | 39.9601% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 5,488 |
| Loan loss allowance to noncurrent loans | 72.1767% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 2.1496% | 2,492 |
| Noncurrent loans to loans | 1.6026% | 3,386 |
| Net loans and leases to total assets | 50.9069% | 5,204 |
| Net loans and leases to deposits | 71.5423% | 3,671 |
| Net loans and leases to core deposits | 72.5221% | 4,191 |
| Total domestic deposits to total assets | 71.1563% | 6,784 |
| Equity capital to assets | 10.5033% | 3,842 |
| Core capital (leverage) ratio | 8.7583% | 5,391 |
| Tier 1 risk-based capital ratio | 13.4021% | 4,947 |
| Total risk-based capital ratio | 14.3422% | 5,135 |
| Memoranda: | ||
| Average total assets | $379,203,500 | 1,735 |
| Average earning assets | $341,076,000 | 1,767 |
| Average equity | $39,206,000 | 1,786 |
| Average total loans | $181,211,750 | 2,209 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 5,757 |
| Cost of funding earning assets | 1.2347% | 701 |
| Net interest margin | 2.7260% | 6,676 |
| Noninterest income to average assets | 0.9179% | 1,722 |
| Noninterest expense to average assets | 2.8900% | 3,663 |
| Loan and lease loss provision to assets | 0.0503% | 5,041 |
| Net operating income to assets | 0.3262% | 5,516 |
| Return on assets (ROA) | 0.2606% | 5,925 |
| Pretax return on assets | 0.3438% | 5,846 |
| Return on Equity (ROE) | 2.5343% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7616% | 5,313 |
| Net charge-offs to loans | -0.0137% | 6,348 |
| Credit loss provision to net charge-offs | -791.6667% | 6,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0071% | 1,534 |
| Assets per employee ($millions) | 3.7705% | 4,383 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,478 |
| Loan loss allowance to noncurrent loans | 73.6054% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1356% | 2,623 |
| Noncurrent loans to loans | 1.5908% | 3,524 |
| Net loans and leases to total assets | 47.9624% | 5,615 |
| Net loans and leases to deposits | 67.3763% | 4,304 |
| Net loans and leases to core deposits | 68.2300% | 4,756 |
| Total domestic deposits to total assets | 71.1860% | 6,846 |
| Equity capital to assets | 10.3315% | 3,902 |
| Core capital (leverage) ratio | 8.5117% | 5,640 |
| Tier 1 risk-based capital ratio | 13.6004% | 4,739 |
| Total risk-based capital ratio | 14.5105% | 4,963 |
| Memoranda: | ||
| Average total assets | $377,581,330 | 1,745 |
| Average earning assets | $339,688,670 | 1,770 |
| Average equity | $38,828,000 | 1,789 |
| Average total loans | $175,680,330 | 2,285 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9260% | 5,957 |
| Cost of funding earning assets | 1.2768% | 695 |
| Net interest margin | 2.6492% | 6,835 |
| Noninterest income to average assets | 0.9022% | 1,737 |
| Noninterest expense to average assets | 2.8109% | 3,990 |
| Loan and lease loss provision to assets | 0.0745% | 4,467 |
| Net operating income to assets | 0.4277% | 5,134 |
| Return on assets (ROA) | 0.2702% | 5,912 |
| Pretax return on assets | 0.2458% | 6,093 |
| Return on Equity (ROE) | 2.6342% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.6342% | 4,941 |
| Net charge-offs to loans | -0.0070% | 5,859 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6975% | 1,612 |
| Assets per employee ($millions) | 3.8658% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 5,407 |
| Loan loss allowance to noncurrent loans | 106.2344% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.0356% | 2,846 |
| Noncurrent loans to loans | 1.1467% | 4,417 |
| Net loans and leases to total assets | 46.0596% | 5,773 |
| Net loans and leases to deposits | 65.0176% | 4,486 |
| Net loans and leases to core deposits | 65.8560% | 4,929 |
| Total domestic deposits to total assets | 70.8417% | 6,939 |
| Equity capital to assets | 10.3527% | 3,669 |
| Core capital (leverage) ratio | 8.8173% | 5,110 |
| Tier 1 risk-based capital ratio | 13.6672% | 4,702 |
| Total risk-based capital ratio | 14.5705% | 4,952 |
| Memoranda: | ||
| Average total assets | $375,959,500 | 1,763 |
| Average earning assets | $338,667,000 | 1,786 |
| Average equity | $38,569,500 | 1,801 |
| Average total loans | $171,112,000 | 2,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 5,269 |
| Cost of funding earning assets | 1.5604% | 556 |
| Net interest margin | 2.8836% | 6,715 |
| Noninterest income to average assets | 0.8567% | 1,816 |
| Noninterest expense to average assets | 2.7572% | 4,520 |
| Loan and lease loss provision to assets | 0.1560% | 4,679 |
| Net operating income to assets | 0.4479% | 4,658 |
| Return on assets (ROA) | 0.3998% | 5,039 |
| Pretax return on assets | 0.4628% | 5,095 |
| Return on Equity (ROE) | 3.7852% | 4,959 |
| Retained earnings to average equity (ytd only) | 0.4295% | 5,631 |
| Net charge-offs to loans | 0.3196% | 3,792 |
| Credit loss provision to net charge-offs | 107.6321% | 3,137 |
| Earnings coverage of net charge-offs (x) | 4.6556% | 3,031 |
| Efficiency ratio | 79.5654% | 2,365 |
| Assets per employee ($millions) | 3.8074% | 4,305 |
| Cash dividends to net income (ytd only)* | 88.6525% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 5,261 |
| Loan loss allowance to noncurrent loans | 111.7935% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0462% | 2,905 |
| Noncurrent loans to loans | 1.0993% | 4,511 |
| Net loans and leases to total assets | 43.8593% | 6,221 |
| Net loans and leases to deposits | 61.7208% | 5,280 |
| Net loans and leases to core deposits | 62.5101% | 5,595 |
| Total domestic deposits to total assets | 71.0608% | 6,932 |
| Equity capital to assets | 10.1657% | 3,948 |
| Core capital (leverage) ratio | 8.7871% | 5,122 |
| Tier 1 risk-based capital ratio | 13.7721% | 4,500 |
| Total risk-based capital ratio | 14.6587% | 4,735 |
| Memoranda: | ||
| Average total assets | $352,637,600 | 1,835 |
| Average earning assets | $314,921,600 | 1,873 |
| Average equity | $37,250,200 | 1,808 |
| Average total loans | $159,890,400 | 2,495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 5,252 |
| Cost of funding earning assets | 1.6483% | 480 |
| Net interest margin | 2.8510% | 6,830 |
| Noninterest income to average assets | 0.7864% | 2,116 |
| Noninterest expense to average assets | 2.6615% | 4,865 |
| Loan and lease loss provision to assets | 0.1731% | 4,306 |
| Net operating income to assets | 0.4350% | 4,837 |
| Return on assets (ROA) | 0.3801% | 5,267 |
| Pretax return on assets | 0.4301% | 5,375 |
| Return on Equity (ROE) | 3.5619% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.7593% | 5,261 |
| Net charge-offs to loans | 0.3071% | 3,556 |
| Credit loss provision to net charge-offs | 123.6264% | 2,605 |
| Earnings coverage of net charge-offs (x) | 4.7528% | 2,974 |
| Efficiency ratio | 79.1628% | 2,383 |
| Assets per employee ($millions) | 3.4933% | 5,017 |
| Cash dividends to net income (ytd only)* | 50.6073% | 1,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,565 |
| Loan loss allowance to noncurrent loans | 86.0062% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 3,830 |
| Noncurrent loans to loans | 1.3661% | 4,255 |
| Net loans and leases to total assets | 46.1549% | 6,133 |
| Net loans and leases to deposits | 66.9208% | 4,767 |
| Net loans and leases to core deposits | 66.9208% | 5,318 |
| Total domestic deposits to total assets | 68.9694% | 7,095 |
| Equity capital to assets | 10.8921% | 3,244 |
| Core capital (leverage) ratio | 9.3074% | 4,442 |
| Tier 1 risk-based capital ratio | 14.4721% | 3,996 |
| Total risk-based capital ratio | 15.3405% | 4,260 |
| Memoranda: | ||
| Average total assets | $346,563,250 | 1,874 |
| Average earning assets | $308,844,000 | 1,913 |
| Average equity | $36,983,250 | 1,826 |
| Average total loans | $158,018,500 | 2,549 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 5,287 |
| Cost of funding earning assets | 1.7429% | 400 |
| Net interest margin | 2.7789% | 6,949 |
| Noninterest income to average assets | 0.7797% | 2,114 |
| Noninterest expense to average assets | 2.6115% | 5,144 |
| Loan and lease loss provision to assets | 0.1742% | 4,183 |
| Net operating income to assets | 0.4319% | 4,801 |
| Return on assets (ROA) | 0.3460% | 5,325 |
| Pretax return on assets | 0.3733% | 5,476 |
| Return on Equity (ROE) | 3.2657% | 5,272 |
| Retained earnings to average equity (ytd only) | 0.5260% | 5,643 |
| Net charge-offs to loans | 0.5085% | 2,577 |
| Credit loss provision to net charge-offs | 75.7576% | 3,891 |
| Earnings coverage of net charge-offs (x) | 2.7828% | 3,457 |
| Efficiency ratio | 79.4643% | 2,470 |
| Assets per employee ($millions) | 4.0888% | 3,575 |
| Cash dividends to net income (ytd only)* | 83.8926% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 5,749 |
| Loan loss allowance to noncurrent loans | 60.2956% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.7066% | 3,634 |
| Noncurrent loans to loans | 1.9127% | 3,591 |
| Net loans and leases to total assets | 42.2615% | 6,574 |
| Net loans and leases to deposits | 63.3042% | 5,364 |
| Net loans and leases to core deposits | 63.7066% | 5,755 |
| Total domestic deposits to total assets | 66.7594% | 7,242 |
| Equity capital to assets | 10.4732% | 3,542 |
| Core capital (leverage) ratio | 9.0911% | 4,586 |
| Tier 1 risk-based capital ratio | 14.6533% | 3,697 |
| Total risk-based capital ratio | 15.4603% | 3,981 |
| Memoranda: | ||
| Average total assets | $344,476,670 | 1,897 |
| Average earning assets | $306,377,330 | 1,936 |
| Average equity | $36,501,000 | 1,833 |
| Average total loans | $155,764,330 | 2,603 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 4,900 |
| Cost of funding earning assets | 1.8265% | 340 |
| Net interest margin | 2.7837% | 6,930 |
| Noninterest income to average assets | 0.8181% | 1,958 |
| Noninterest expense to average assets | 2.6584% | 5,000 |
| Loan and lease loss provision to assets | 0.1771% | 3,850 |
| Net operating income to assets | 0.4580% | 4,670 |
| Return on assets (ROA) | 0.2987% | 5,481 |
| Pretax return on assets | 0.2916% | 5,680 |
| Return on Equity (ROE) | 2.8015% | 5,468 |
| Retained earnings to average equity (ytd only) | -2.7351% | 6,254 |
| Net charge-offs to loans | 0.6574% | 1,892 |
| Credit loss provision to net charge-offs | 57.9151% | 3,584 |
| Earnings coverage of net charge-offs (x) | 2.0541% | 3,272 |
| Efficiency ratio | 80.0287% | 2,527 |
| Assets per employee ($millions) | 3.8712% | 4,138 |
| Cash dividends to net income (ytd only)* | 197.6285% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,949 |
| Loan loss allowance to noncurrent loans | 55.1997% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 1.9493% | 3,373 |
| Noncurrent loans to loans | 2.0415% | 3,522 |
| Net loans and leases to total assets | 45.3561% | 6,345 |
| Net loans and leases to deposits | 69.5501% | 4,421 |
| Net loans and leases to core deposits | 70.3444% | 5,002 |
| Total domestic deposits to total assets | 65.2136% | 7,350 |
| Equity capital to assets | 10.7086% | 2,981 |
| Core capital (leverage) ratio | 9.4768% | 3,851 |
| Tier 1 risk-based capital ratio | 14.6863% | 3,622 |
| Total risk-based capital ratio | 15.4984% | 3,874 |
| Memoranda: | ||
| Average total assets | $338,851,000 | 1,938 |
| Average earning assets | $300,466,500 | 1,984 |
| Average equity | $36,123,500 | 1,829 |
| Average total loans | $157,601,500 | 2,598 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 4,076 |
| Cost of funding earning assets | 2.1252% | 392 |
| Net interest margin | 2.9801% | 6,770 |
| Noninterest income to average assets | 0.8148% | 2,204 |
| Noninterest expense to average assets | 2.6030% | 5,403 |
| Loan and lease loss provision to assets | 0.2030% | 5,212 |
| Net operating income to assets | 0.6837% | 3,287 |
| Return on assets (ROA) | 0.4173% | 4,604 |
| Pretax return on assets | 0.3865% | 4,988 |
| Return on Equity (ROE) | 4.0146% | 4,516 |
| Retained earnings to average equity (ytd only) | 1.9222% | 4,514 |
| Net charge-offs to loans | 0.2146% | 5,004 |
| Credit loss provision to net charge-offs | 187.6676% | 1,731 |
| Earnings coverage of net charge-offs (x) | 7.9142% | 2,041 |
| Efficiency ratio | 74.4488% | 3,308 |
| Assets per employee ($millions) | 3.9640% | 3,860 |
| Cash dividends to net income (ytd only)* | 52.1195% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,732 |
| Loan loss allowance to noncurrent loans | 84.3209% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.6236% | 3,874 |
| Noncurrent loans to loans | 1.3652% | 4,437 |
| Net loans and leases to total assets | 46.5978% | 6,510 |
| Net loans and leases to deposits | 74.5326% | 4,110 |
| Net loans and leases to core deposits | 77.1635% | 4,571 |
| Total domestic deposits to total assets | 62.5200% | 7,473 |
| Equity capital to assets | 10.6132% | 3,052 |
| Core capital (leverage) ratio | 9.4253% | 3,808 |
| Tier 1 risk-based capital ratio | 14.3765% | 3,626 |
| Total risk-based capital ratio | 15.2152% | 3,858 |
| Memoranda: | ||
| Average total assets | $344,872,600 | 1,891 |
| Average earning assets | $305,995,600 | 1,948 |
| Average equity | $35,844,200 | 1,843 |
| Average total loans | $173,792,400 | 2,425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2414% | 3,624 |
| Cost of funding earning assets | 2.1776% | 408 |
| Net interest margin | 3.0639% | 6,700 |
| Noninterest income to average assets | 0.7417% | 2,570 |
| Noninterest expense to average assets | 2.5825% | 5,394 |
| Loan and lease loss provision to assets | 0.2313% | 4,760 |
| Net operating income to assets | 0.6654% | 3,572 |
| Return on assets (ROA) | 0.3161% | 5,275 |
| Pretax return on assets | 0.2972% | 5,520 |
| Return on Equity (ROE) | 3.0574% | 5,197 |
| Retained earnings to average equity (ytd only) | 0.2610% | 5,678 |
| Net charge-offs to loans | 0.2560% | 4,410 |
| Credit loss provision to net charge-offs | 176.4706% | 2,082 |
| Earnings coverage of net charge-offs (x) | 6.6971% | 2,471 |
| Efficiency ratio | 73.8302% | 3,353 |
| Assets per employee ($millions) | 3.8742% | 4,092 |
| Cash dividends to net income (ytd only)* | 91.4635% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 6,034 |
| Loan loss allowance to noncurrent loans | 78.4771% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6200% | 4,015 |
| Noncurrent loans to loans | 1.3717% | 4,563 |
| Net loans and leases to total assets | 47.5189% | 6,563 |
| Net loans and leases to deposits | 76.5950% | 4,070 |
| Net loans and leases to core deposits | 82.5573% | 4,156 |
| Total domestic deposits to total assets | 62.0392% | 7,557 |
| Equity capital to assets | 10.6767% | 3,317 |
| Core capital (leverage) ratio | 9.1541% | 4,454 |
| Tier 1 risk-based capital ratio | 13.9595% | 3,871 |
| Total risk-based capital ratio | 14.7615% | 4,152 |
| Memoranda: | ||
| Average total assets | $345,864,000 | 1,913 |
| Average earning assets | $306,881,250 | 1,969 |
| Average equity | $35,760,000 | 1,870 |
| Average total loans | $177,064,250 | 2,421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3395% | 3,267 |
| Cost of funding earning assets | 2.2356% | 416 |
| Net interest margin | 3.1040% | 6,601 |
| Noninterest income to average assets | 0.6585% | 2,962 |
| Noninterest expense to average assets | 2.5556% | 5,502 |
| Loan and lease loss provision to assets | 0.2600% | 4,333 |
| Net operating income to assets | 0.5899% | 3,919 |
| Return on assets (ROA) | 0.3755% | 5,034 |
| Pretax return on assets | 0.3807% | 5,277 |
| Return on Equity (ROE) | 3.6714% | 4,931 |
| Retained earnings to average equity (ytd only) | 1.5533% | 5,087 |
| Net charge-offs to loans | 0.2466% | 4,113 |
| Credit loss provision to net charge-offs | 201.7937% | 1,935 |
| Earnings coverage of net charge-offs (x) | 6.6547% | 2,424 |
| Efficiency ratio | 74.0691% | 3,466 |
| Assets per employee ($millions) | 3.9463% | 3,871 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 6,342 |
| Loan loss allowance to noncurrent loans | 85.9597% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 1.5903% | 4,067 |
| Noncurrent loans to loans | 1.1786% | 4,988 |
| Net loans and leases to total assets | 49.8314% | 6,450 |
| Net loans and leases to deposits | 80.2935% | 3,552 |
| Net loans and leases to core deposits | 87.5681% | 3,606 |
| Total domestic deposits to total assets | 62.0615% | 7,626 |
| Equity capital to assets | 10.5836% | 3,303 |
| Core capital (leverage) ratio | 9.2209% | 4,269 |
| Tier 1 risk-based capital ratio | 13.4884% | 4,075 |
| Total risk-based capital ratio | 14.2459% | 4,406 |
| Memoranda: | ||
| Average total assets | $346,216,000 | 1,929 |
| Average earning assets | $307,217,330 | 1,984 |
| Average equity | $35,408,670 | 1,887 |
| Average total loans | $180,875,000 | 2,415 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4717% | 2,724 |
| Cost of funding earning assets | 2.2804% | 455 |
| Net interest margin | 3.1913% | 6,316 |
| Noninterest income to average assets | 0.6547% | 2,902 |
| Noninterest expense to average assets | 2.5048% | 5,709 |
| Loan and lease loss provision to assets | 0.3969% | 2,991 |
| Net operating income to assets | 0.6639% | 3,593 |
| Return on assets (ROA) | 0.2658% | 5,556 |
| Pretax return on assets | 0.1806% | 5,946 |
| Return on Equity (ROE) | 2.6442% | 5,508 |
| Retained earnings to average equity (ytd only) | -1.6483% | 6,148 |
| Net charge-offs to loans | 0.2834% | 3,277 |
| Credit loss provision to net charge-offs | 263.3588% | 1,492 |
| Earnings coverage of net charge-offs (x) | 6.4733% | 2,218 |
| Efficiency ratio | 71.1736% | 4,089 |
| Assets per employee ($millions) | 4.0902% | 3,659 |
| Cash dividends to net income (ytd only)* | 162.3377% | 273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 6,642 |
| Loan loss allowance to noncurrent loans | 87.4622% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.6487% | 4,005 |
| Noncurrent loans to loans | 1.0993% | 5,157 |
| Net loans and leases to total assets | 51.4648% | 6,327 |
| Net loans and leases to deposits | 82.2681% | 3,239 |
| Net loans and leases to core deposits | 93.3408% | 2,927 |
| Total domestic deposits to total assets | 62.5574% | 7,707 |
| Equity capital to assets | 10.1616% | 3,658 |
| Core capital (leverage) ratio | 8.9493% | 4,646 |
| Tier 1 risk-based capital ratio | 13.1465% | 4,240 |
| Total risk-based capital ratio | 13.8904% | 4,577 |
| Memoranda: | ||
| Average total assets | $347,658,000 | 1,965 |
| Average earning assets | $307,839,500 | 2,028 |
| Average equity | $34,944,500 | 1,925 |
| Average total loans | $184,893,500 | 2,431 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 2,302 |
| Cost of funding earning assets | 2.6617% | 650 |
| Net interest margin | 3.2231% | 6,017 |
| Noninterest income to average assets | 0.7007% | 2,975 |
| Noninterest expense to average assets | 2.5070% | 6,100 |
| Loan and lease loss provision to assets | 0.5529% | 3,605 |
| Net operating income to assets | 0.4298% | 4,006 |
| Return on assets (ROA) | 0.4798% | 3,909 |
| Pretax return on assets | 0.5722% | 3,980 |
| Return on Equity (ROE) | 5.1806% | 3,587 |
| Retained earnings to average equity (ytd only) | 2.8842% | 3,160 |
| Net charge-offs to loans | 0.8195% | 2,776 |
| Credit loss provision to net charge-offs | 115.9334% | 4,688 |
| Earnings coverage of net charge-offs (x) | 2.2342% | 4,041 |
| Efficiency ratio | 69.4103% | 4,749 |
| Assets per employee ($millions) | 4.0900% | 3,637 |
| Cash dividends to net income (ytd only)* | 44.3262% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 7,114 |
| Loan loss allowance to noncurrent loans | 69.7984% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.7785% | 3,705 |
| Noncurrent loans to loans | 1.1537% | 5,025 |
| Net loans and leases to total assets | 53.9627% | 6,205 |
| Net loans and leases to deposits | 85.5283% | 2,993 |
| Net loans and leases to core deposits | 93.0054% | 4,779 |
| Total domestic deposits to total assets | 63.0934% | 7,733 |
| Equity capital to assets | 9.9412% | 3,848 |
| Core capital (leverage) ratio | 8.9515% | 4,505 |
| Tier 1 risk-based capital ratio | 12.7840% | 4,298 |
| Total risk-based capital ratio | 13.4165% | 4,766 |
| Memoranda: | ||
| Average total assets | $352,656,400 | 1,925 |
| Average earning assets | $314,236,000 | 1,985 |
| Average equity | $32,660,200 | 2,046 |
| Average total loans | $205,259,200 | 2,254 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9267% | 2,330 |
| Cost of funding earning assets | 2.7256% | 734 |
| Net interest margin | 3.2012% | 6,019 |
| Noninterest income to average assets | 0.7007% | 3,011 |
| Noninterest expense to average assets | 2.5004% | 6,065 |
| Loan and lease loss provision to assets | 0.5839% | 3,049 |
| Net operating income to assets | 0.4005% | 4,399 |
| Return on assets (ROA) | 0.4818% | 4,164 |
| Pretax return on assets | 0.5734% | 4,288 |
| Return on Equity (ROE) | 5.2984% | 3,839 |
| Retained earnings to average equity (ytd only) | 2.1915% | 4,104 |
| Net charge-offs to loans | 0.8052% | 2,355 |
| Credit loss provision to net charge-offs | 122.6266% | 4,128 |
| Earnings coverage of net charge-offs (x) | 2.2271% | 4,149 |
| Efficiency ratio | 69.4562% | 4,702 |
| Assets per employee ($millions) | 4.4756% | 2,896 |
| Cash dividends to net income (ytd only)* | 58.6399% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 7,399 |
| Loan loss allowance to noncurrent loans | 53.7792% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 3,563 |
| Noncurrent loans to loans | 1.2799% | 4,802 |
| Net loans and leases to total assets | 56.8972% | 6,043 |
| Net loans and leases to deposits | 90.9398% | 2,403 |
| Net loans and leases to core deposits | 102.4821% | 4,106 |
| Total domestic deposits to total assets | 62.5658% | 7,808 |
| Equity capital to assets | 9.8558% | 4,275 |
| Core capital (leverage) ratio | 8.8591% | 4,885 |
| Tier 1 risk-based capital ratio | 12.1530% | 4,834 |
| Total risk-based capital ratio | 12.7000% | 5,423 |
| Memoranda: | ||
| Average total assets | $353,907,250 | 1,932 |
| Average earning assets | $316,209,000 | 1,992 |
| Average equity | $32,185,000 | 2,096 |
| Average total loans | $209,292,500 | 2,225 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9044% | 2,561 |
| Cost of funding earning assets | 2.7567% | 889 |
| Net interest margin | 3.1477% | 6,099 |
| Noninterest income to average assets | 0.6902% | 3,052 |
| Noninterest expense to average assets | 2.5490% | 5,950 |
| Loan and lease loss provision to assets | 0.7003% | 2,329 |
| Net operating income to assets | 0.2417% | 5,123 |
| Return on assets (ROA) | 0.3770% | 4,698 |
| Pretax return on assets | 0.3994% | 4,936 |
| Return on Equity (ROE) | 4.2606% | 4,389 |
| Retained earnings to average equity (ytd only) | 1.8866% | 4,293 |
| Net charge-offs to loans | 1.0898% | 1,669 |
| Credit loss provision to net charge-offs | 107.5731% | 4,290 |
| Earnings coverage of net charge-offs (x) | 1.4682% | 4,432 |
| Efficiency ratio | 71.9629% | 4,418 |
| Assets per employee ($millions) | 4.1085% | 3,472 |
| Cash dividends to net income (ytd only)* | 55.7207% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5651% | 7,701 |
| Loan loss allowance to noncurrent loans | 76.9027% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.4002% | 4,157 |
| Noncurrent loans to loans | 0.7348% | 5,773 |
| Net loans and leases to total assets | 57.2016% | 6,069 |
| Net loans and leases to deposits | 88.7394% | 3,042 |
| Net loans and leases to core deposits | 102.9149% | 4,192 |
| Total domestic deposits to total assets | 64.4602% | 7,811 |
| Equity capital to assets | 8.9447% | 5,392 |
| Core capital (leverage) ratio | 8.4035% | 5,607 |
| Tier 1 risk-based capital ratio | 12.3067% | 4,668 |
| Total risk-based capital ratio | 12.7856% | 5,275 |
| Memoranda: | ||
| Average total assets | $357,003,670 | 1,943 |
| Average earning assets | $319,220,330 | 1,991 |
| Average equity | $31,591,670 | 2,140 |
| Average total loans | $213,244,330 | 2,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0096% | 2,323 |
| Cost of funding earning assets | 2.7812% | 1,024 |
| Net interest margin | 3.2284% | 5,763 |
| Noninterest income to average assets | 0.3980% | 5,222 |
| Noninterest expense to average assets | 2.3465% | 6,384 |
| Loan and lease loss provision to assets | 0.5045% | 2,452 |
| Net operating income to assets | 0.3288% | 5,170 |
| Return on assets (ROA) | 0.5449% | 4,417 |
| Pretax return on assets | 0.7242% | 4,341 |
| Return on Equity (ROE) | 6.1908% | 3,959 |
| Retained earnings to average equity (ytd only) | 1.4139% | 5,068 |
| Net charge-offs to loans | 0.7003% | 1,785 |
| Credit loss provision to net charge-offs | 118.4211% | 3,305 |
| Earnings coverage of net charge-offs (x) | 2.2079% | 3,638 |
| Efficiency ratio | 70.5662% | 4,463 |
| Assets per employee ($millions) | 4.1818% | 3,289 |
| Cash dividends to net income (ytd only)* | 77.1605% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4658% | 7,869 |
| Loan loss allowance to noncurrent loans | 69.6927% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.1574% | 4,358 |
| Noncurrent loans to loans | 0.6683% | 5,736 |
| Net loans and leases to total assets | 59.9979% | 5,650 |
| Net loans and leases to deposits | 93.8497% | 2,297 |
| Net loans and leases to core deposits | 113.2924% | 3,074 |
| Total domestic deposits to total assets | 63.9298% | 7,847 |
| Equity capital to assets | 8.9798% | 5,382 |
| Core capital (leverage) ratio | 8.3745% | 5,767 |
| Tier 1 risk-based capital ratio | 12.1001% | 4,872 |
| Total risk-based capital ratio | 12.5084% | 5,548 |
| Memoranda: | ||
| Average total assets | $356,786,000 | 1,945 |
| Average earning assets | $319,286,500 | 1,994 |
| Average equity | $31,401,500 | 2,159 |
| Average total loans | $217,055,000 | 2,201 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3816% | 3,514 |
| Cost of funding earning assets | 3.4496% | 601 |
| Net interest margin | 2.9319% | 7,075 |
| Noninterest income to average assets | 0.5008% | 4,607 |
| Noninterest expense to average assets | 2.2269% | 6,901 |
| Loan and lease loss provision to assets | 0.3978% | 3,304 |
| Net operating income to assets | 0.3833% | 5,216 |
| Return on assets (ROA) | 0.4168% | 4,899 |
| Pretax return on assets | 0.5421% | 4,871 |
| Return on Equity (ROE) | 4.5507% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.5507% | 2,289 |
| Net charge-offs to loans | 0.6061% | 2,020 |
| Credit loss provision to net charge-offs | 104.7101% | 5,107 |
| Earnings coverage of net charge-offs (x) | 2.3594% | 4,901 |
| Efficiency ratio | 70.4539% | 4,260 |
| Assets per employee ($millions) | 4.3673% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4217% | 7,954 |
| Loan loss allowance to noncurrent loans | 93.4476% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 5,977 |
| Noncurrent loans to loans | 0.4512% | 5,994 |
| Net loans and leases to total assets | 61.1307% | 5,749 |
| Net loans and leases to deposits | 94.5381% | 2,683 |
| Net loans and leases to core deposits | 112.6984% | 3,486 |
| Total domestic deposits to total assets | 64.6625% | 7,745 |
| Equity capital to assets | 8.6240% | 5,895 |
| Core capital (leverage) ratio | 8.2322% | 6,100 |
| Tier 1 risk-based capital ratio | 13.0034% | 4,108 |
| Total risk-based capital ratio | 13.4237% | 4,575 |
| Memoranda: | ||
| Average total assets | $363,234,400 | 1,845 |
| Average earning assets | $324,904,800 | 1,878 |
| Average equity | $33,269,400 | 2,032 |
| Average total loans | $227,674,000 | 2,065 |