Home > First National Bank of Giddings > Performance and Condition Ratios
First National Bank of Giddings, 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 | 5.4446% | 2,214 |
| Cost of funding earning assets | 2.1791% | 1,491 |
| Net interest margin | 3.2655% | 2,851 |
| Noninterest income to average assets | 0.1900% | 3,621 |
| Noninterest expense to average assets | 1.9454% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1323% | 1,914 |
| Return on assets (ROA) | 1.1323% | 1,915 |
| Pretax return on assets | 1.3284% | 1,897 |
| Return on Equity (ROE) | 14.1500% | 1,231 |
| Retained earnings to average equity (ytd only) | 14.1475% | 514 |
| Net charge-offs to loans | -0.0751% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 59.4229% | 3,034 |
| Assets per employee ($millions) | 9.6249% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 1,148 |
| Loan loss allowance to noncurrent loans | 208.9499% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 1,485 |
| Noncurrent loans to loans | 0.6943% | 1,470 |
| Net loans and leases to total assets | 70.6200% | 1,765 |
| Net loans and leases to deposits | 78.0423% | 2,225 |
| Net loans and leases to core deposits | 87.7349% | 2,203 |
| Total domestic deposits to total assets | 90.4900% | 668 |
| Equity capital to assets | 8.1634% | 3,510 |
| Core capital (leverage) ratio | 10.4204% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $334,536,500 | 2,324 |
| Average earning assets | $315,539,500 | 2,296 |
| Average equity | $26,775,000 | 2,593 |
| Average total loans | $239,797,000 | 2,168 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 2,744 |
| Cost of funding earning assets | 2.2364% | 1,651 |
| Net interest margin | 2.9559% | 3,219 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.0173% | 3,572 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 0.9704% | 2,159 |
| Return on assets (ROA) | 0.9704% | 2,155 |
| Pretax return on assets | 1.1037% | 2,230 |
| Return on Equity (ROE) | 12.0200% | 1,603 |
| Retained earnings to average equity (ytd only) | 9.4925% | 686 |
| Net charge-offs to loans | -0.0811% | 4,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.1205% | 2,711 |
| Assets per employee ($millions) | 9.4915% | 898 |
| Cash dividends to net income (ytd only)* | 21.0152% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 974 |
| Loan loss allowance to noncurrent loans | 219.9634% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 1,452 |
| Noncurrent loans to loans | 0.6877% | 1,421 |
| Net loans and leases to total assets | 70.6200% | 1,821 |
| Net loans and leases to deposits | 80.3308% | 2,103 |
| Net loans and leases to core deposits | 88.8284% | 2,196 |
| Total domestic deposits to total assets | 87.9100% | 1,542 |
| Equity capital to assets | 7.8416% | 3,604 |
| Core capital (leverage) ratio | 10.3974% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $318,747,200 | 2,369 |
| Average earning assets | $300,521,800 | 2,345 |
| Average equity | $25,736,000 | 2,589 |
| Average total loans | $217,116,000 | 2,263 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 2,873 |
| Cost of funding earning assets | 2.2271% | 1,679 |
| Net interest margin | 2.8691% | 3,336 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.9755% | 3,613 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | 0.8878% | 2,421 |
| Return on assets (ROA) | 0.8878% | 2,426 |
| Pretax return on assets | 1.0319% | 2,441 |
| Return on Equity (ROE) | 10.9100% | 1,921 |
| Retained earnings to average equity (ytd only) | 9.6136% | 932 |
| Net charge-offs to loans | -0.0642% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 66.8144% | 2,385 |
| Assets per employee ($millions) | 8.7973% | 1,141 |
| Cash dividends to net income (ytd only)* | 11.9048% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 1,032 |
| Loan loss allowance to noncurrent loans | 204.6097% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 1,404 |
| Noncurrent loans to loans | 0.7367% | 1,343 |
| Net loans and leases to total assets | 66.8300% | 2,228 |
| Net loans and leases to deposits | 76.0138% | 2,525 |
| Net loans and leases to core deposits | 84.1301% | 2,558 |
| Total domestic deposits to total assets | 87.9100% | 1,265 |
| Equity capital to assets | 8.5398% | 3,374 |
| Core capital (leverage) ratio | 10.6036% | 2,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $315,383,250 | 2,382 |
| Average earning assets | $297,185,750 | 2,358 |
| Average equity | $25,657,500 | 2,591 |
| Average total loans | $211,845,500 | 2,282 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 2,946 |
| Cost of funding earning assets | 2.2090% | 1,628 |
| Net interest margin | 2.7929% | 3,435 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 1.9538% | 3,653 |
| Loan and lease loss provision to assets | -0.0800% | 4,378 |
| Net operating income to assets | 0.8532% | 2,447 |
| Return on assets (ROA) | 0.8532% | 2,461 |
| Pretax return on assets | 0.9910% | 2,516 |
| Return on Equity (ROE) | 10.6700% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.6673% | 1,180 |
| Net charge-offs to loans | -0.2595% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 68.1270% | 2,318 |
| Assets per employee ($millions) | 8.0854% | 1,408 |
| Cash dividends to net income (ytd only)* | 18.7829% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6019% | 856 |
| Loan loss allowance to noncurrent loans | 247.9093% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 1,459 |
| Noncurrent loans to loans | 0.6461% | 1,429 |
| Net loans and leases to total assets | 68.1400% | 2,112 |
| Net loans and leases to deposits | 75.7809% | 2,560 |
| Net loans and leases to core deposits | 84.0674% | 2,526 |
| Total domestic deposits to total assets | 89.9200% | 728 |
| Equity capital to assets | 7.9859% | 3,438 |
| Core capital (leverage) ratio | 10.4673% | 2,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $312,011,000 | 2,387 |
| Average earning assets | $294,528,667 | 2,353 |
| Average equity | $24,944,333 | 2,591 |
| Average total loans | $208,844,000 | 2,293 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9642% | 2,852 |
| Cost of funding earning assets | 2.2058% | 1,539 |
| Net interest margin | 2.7583% | 3,455 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.8237% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8803% | 2,287 |
| Return on assets (ROA) | 0.8803% | 2,305 |
| Pretax return on assets | 1.0259% | 2,316 |
| Return on Equity (ROE) | 11.0000% | 1,851 |
| Retained earnings to average equity (ytd only) | 11.0048% | 910 |
| Net charge-offs to loans | -0.2078% | 4,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.9982% | 2,818 |
| Assets per employee ($millions) | 8.7306% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6792% | 707 |
| Loan loss allowance to noncurrent loans | 278.6925% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 1,557 |
| Noncurrent loans to loans | 0.6025% | 1,444 |
| Net loans and leases to total assets | 64.3300% | 2,432 |
| Net loans and leases to deposits | 72.7160% | 2,699 |
| Net loans and leases to core deposits | 78.6869% | 2,822 |
| Total domestic deposits to total assets | 88.4600% | 1,272 |
| Equity capital to assets | 7.9033% | 3,434 |
| Core capital (leverage) ratio | 10.4376% | 2,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $310,351,000 | 2,401 |
| Average earning assets | $293,222,000 | 2,373 |
| Average equity | $24,825,500 | 2,607 |
| Average total loans | $204,080,500 | 2,313 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 3,062 |
| Cost of funding earning assets | 1.5374% | 1,849 |
| Net interest margin | 2.9829% | 3,323 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 1.8997% | 3,837 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9165% | 2,495 |
| Return on assets (ROA) | 0.8920% | 2,547 |
| Pretax return on assets | 1.0237% | 2,602 |
| Return on Equity (ROE) | 12.0300% | 1,947 |
| Retained earnings to average equity (ytd only) | 12.0327% | 624 |
| Net charge-offs to loans | 0.1297% | 760 |
| Credit loss provision to net charge-offs | 158.7302% | 1,418 |
| Earnings coverage of net charge-offs (x) | 13.8810% | 2,096 |
| Efficiency ratio | 61.5308% | 2,903 |
| Assets per employee ($millions) | 8.2811% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6526% | 759 |
| Loan loss allowance to noncurrent loans | 308.7638% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3538% | 1,547 |
| Noncurrent loans to loans | 0.5352% | 1,456 |
| Net loans and leases to total assets | 65.0100% | 2,364 |
| Net loans and leases to deposits | 73.6237% | 2,642 |
| Net loans and leases to core deposits | 80.6370% | 2,673 |
| Total domestic deposits to total assets | 88.3000% | 1,255 |
| Equity capital to assets | 8.0975% | 3,355 |
| Core capital (leverage) ratio | 10.4261% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $294,516,800 | 2,450 |
| Average earning assets | $278,521,200 | 2,423 |
| Average equity | $21,832,200 | 2,711 |
| Average total loans | $194,240,200 | 2,329 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4270% | 3,045 |
| Cost of funding earning assets | 1.3479% | 2,010 |
| Net interest margin | 3.0791% | 3,176 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.8764% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1234% | 1,982 |
| Return on assets (ROA) | 1.0907% | 2,068 |
| Pretax return on assets | 1.2704% | 2,122 |
| Return on Equity (ROE) | 15.0800% | 1,431 |
| Retained earnings to average equity (ytd only) | 15.0796% | 546 |
| Net charge-offs to loans | 0.0722% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 27.5096% | 1,640 |
| Efficiency ratio | 58.9173% | 3,097 |
| Assets per employee ($millions) | 7.9557% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 974 |
| Loan loss allowance to noncurrent loans | 436.5303% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 2,048 |
| Noncurrent loans to loans | 0.3562% | 1,951 |
| Net loans and leases to total assets | 66.5600% | 2,194 |
| Net loans and leases to deposits | 75.2575% | 2,479 |
| Net loans and leases to core deposits | 82.6751% | 2,425 |
| Total domestic deposits to total assets | 88.4400% | 1,431 |
| Equity capital to assets | 6.7373% | 3,737 |
| Core capital (leverage) ratio | 10.6507% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $291,545,500 | 2,469 |
| Average earning assets | $275,879,000 | 2,441 |
| Average equity | $21,087,500 | 2,754 |
| Average total loans | $192,167,750 | 2,344 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 3,032 |
| Cost of funding earning assets | 1.1299% | 2,195 |
| Net interest margin | 3.2047% | 2,985 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.8809% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2253% | 1,763 |
| Return on assets (ROA) | 1.1762% | 1,887 |
| Pretax return on assets | 1.3730% | 1,881 |
| Return on Equity (ROE) | 15.8900% | 1,284 |
| Retained earnings to average equity (ytd only) | 15.8932% | 484 |
| Net charge-offs to loans | 0.1580% | 494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 13.8533% | 1,897 |
| Efficiency ratio | 56.8073% | 3,320 |
| Assets per employee ($millions) | 7.8418% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,006 |
| Loan loss allowance to noncurrent loans | 474.1835% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,082 |
| Noncurrent loans to loans | 0.3299% | 1,945 |
| Net loans and leases to total assets | 66.1200% | 2,146 |
| Net loans and leases to deposits | 76.1832% | 2,294 |
| Net loans and leases to core deposits | 81.7871% | 2,352 |
| Total domestic deposits to total assets | 86.7900% | 1,993 |
| Equity capital to assets | 7.7326% | 3,383 |
| Core capital (leverage) ratio | 10.4907% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $290,607,000 | 2,482 |
| Average earning assets | $275,593,333 | 2,447 |
| Average equity | $21,506,000 | 2,738 |
| Average total loans | $189,882,000 | 2,355 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2129% | 3,012 |
| Cost of funding earning assets | 0.8894% | 2,407 |
| Net interest margin | 3.3235% | 2,821 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 1.8595% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3575% | 1,518 |
| Return on assets (ROA) | 1.3575% | 1,485 |
| Pretax return on assets | 1.5981% | 1,465 |
| Return on Equity (ROE) | 18.7600% | 919 |
| Retained earnings to average equity (ytd only) | 18.7634% | 452 |
| Net charge-offs to loans | 0.0235% | 1,212 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 105.6364% | 761 |
| Efficiency ratio | 53.7788% | 3,625 |
| Assets per employee ($millions) | 7.9003% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 879 |
| Loan loss allowance to noncurrent loans | 259.3165% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 1,226 |
| Noncurrent loans to loans | 0.6434% | 1,169 |
| Net loans and leases to total assets | 64.2500% | 2,223 |
| Net loans and leases to deposits | 72.0736% | 2,465 |
| Net loans and leases to core deposits | 77.1570% | 2,444 |
| Total domestic deposits to total assets | 89.1500% | 1,492 |
| Equity capital to assets | 7.5827% | 3,519 |
| Core capital (leverage) ratio | 10.2578% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $290,837,000 | 2,513 |
| Average earning assets | $277,054,000 | 2,467 |
| Average equity | $21,041,000 | 2,793 |
| Average total loans | $187,372,000 | 2,390 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7558% | 2,391 |
| Cost of funding earning assets | 0.5514% | 1,104 |
| Net interest margin | 3.2044% | 2,858 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.9624% | 3,680 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 0.9307% | 2,846 |
| Return on assets (ROA) | 0.9307% | 2,788 |
| Pretax return on assets | 1.0496% | 2,916 |
| Return on Equity (ROE) | 11.6700% | 2,251 |
| Retained earnings to average equity (ytd only) | 7.1791% | 2,162 |
| Net charge-offs to loans | -0.0166% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8210% | 3,082 |
| Assets per employee ($millions) | 7.8206% | 1,430 |
| Cash dividends to net income (ytd only)* | 38.4615% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7411% | 747 |
| Loan loss allowance to noncurrent loans | 604.7259% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1828% | 2,270 |
| Noncurrent loans to loans | 0.2879% | 2,114 |
| Net loans and leases to total assets | 62.3900% | 2,398 |
| Net loans and leases to deposits | 67.6546% | 2,754 |
| Net loans and leases to core deposits | 73.1977% | 2,631 |
| Total domestic deposits to total assets | 92.2200% | 581 |
| Equity capital to assets | 6.8830% | 3,717 |
| Core capital (leverage) ratio | 10.0974% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $279,345,200 | 2,556 |
| Average earning assets | $266,412,400 | 2,512 |
| Average equity | $22,286,800 | 2,746 |
| Average total loans | $162,470,200 | 2,520 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 2,294 |
| Cost of funding earning assets | 0.4914% | 779 |
| Net interest margin | 3.1266% | 2,844 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.8836% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1511% | 1,888 |
| Return on assets (ROA) | 1.1511% | 1,862 |
| Pretax return on assets | 1.3264% | 1,962 |
| Return on Equity (ROE) | 13.9300% | 1,447 |
| Retained earnings to average equity (ytd only) | 8.1003% | 1,963 |
| Net charge-offs to loans | 0.0195% | 1,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 119.7391% | 847 |
| Efficiency ratio | 58.6797% | 3,301 |
| Assets per employee ($millions) | 7.5716% | 1,571 |
| Cash dividends to net income (ytd only)* | 41.8410% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3550% | 1,783 |
| Loan loss allowance to noncurrent loans | 385.6913% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 2,121 |
| Noncurrent loans to loans | 0.3513% | 1,976 |
| Net loans and leases to total assets | 62.3400% | 2,247 |
| Net loans and leases to deposits | 67.0413% | 2,629 |
| Net loans and leases to core deposits | 71.7208% | 2,504 |
| Total domestic deposits to total assets | 92.9900% | 583 |
| Equity capital to assets | 6.0240% | 3,955 |
| Core capital (leverage) ratio | 10.3054% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $276,840,500 | 2,587 |
| Average earning assets | $264,267,250 | 2,546 |
| Average equity | $22,879,250 | 2,747 |
| Average total loans | $157,153,750 | 2,567 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4421% | 2,319 |
| Cost of funding earning assets | 0.4533% | 679 |
| Net interest margin | 2.9888% | 2,915 |
| Noninterest income to average assets | 0.2111% | 3,937 |
| Noninterest expense to average assets | 1.8554% | 3,820 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0641% | 1,920 |
| Return on assets (ROA) | 1.0641% | 1,892 |
| Pretax return on assets | 1.2156% | 2,024 |
| Return on Equity (ROE) | 11.7924% | 1,725 |
| Retained earnings to average equity (ytd only) | 3.7540% | 3,180 |
| Net charge-offs to loans | -0.0239% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4157% | 3,246 |
| Assets per employee ($millions) | 7.6483% | 1,517 |
| Cash dividends to net income (ytd only)* | 68.1663% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 1,459 |
| Loan loss allowance to noncurrent loans | 368.5801% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 2,125 |
| Noncurrent loans to loans | 0.4017% | 1,926 |
| Net loans and leases to total assets | 58.9655% | 2,442 |
| Net loans and leases to deposits | 63.7529% | 2,746 |
| Net loans and leases to core deposits | 66.3223% | 2,791 |
| Total domestic deposits to total assets | 92.4907% | 658 |
| Equity capital to assets | 7.2779% | 3,612 |
| Core capital (leverage) ratio | 10.3592% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,738,000 | 2,608 |
| Average earning assets | $263,854,000 | 2,580 |
| Average equity | $24,880,333 | 2,688 |
| Average total loans | $150,523,333 | 2,638 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 2,501 |
| Cost of funding earning assets | 0.4483% | 665 |
| Net interest margin | 2.8121% | 3,102 |
| Noninterest income to average assets | 0.2000% | 3,965 |
| Noninterest expense to average assets | 1.8164% | 3,900 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9582% | 2,039 |
| Return on assets (ROA) | 0.9582% | 2,035 |
| Pretax return on assets | 1.0843% | 2,191 |
| Return on Equity (ROE) | 9.6846% | 2,086 |
| Retained earnings to average equity (ytd only) | 9.6846% | 1,099 |
| Net charge-offs to loans | 0.0781% | 606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 1,181 |
| Efficiency ratio | 62.6187% | 3,187 |
| Assets per employee ($millions) | 7.8905% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6383% | 1,179 |
| Loan loss allowance to noncurrent loans | 301.6373% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 1,969 |
| Noncurrent loans to loans | 0.5431% | 1,685 |
| Net loans and leases to total assets | 52.0672% | 2,982 |
| Net loans and leases to deposits | 57.3119% | 3,147 |
| Net loans and leases to core deposits | 59.8052% | 3,164 |
| Total domestic deposits to total assets | 90.8490% | 1,108 |
| Equity capital to assets | 8.9359% | 2,766 |
| Core capital (leverage) ratio | 10.4321% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,937,500 | 2,624 |
| Average earning assets | $264,997,000 | 2,584 |
| Average equity | $27,301,000 | 2,642 |
| Average total loans | $143,387,500 | 2,706 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 3,199 |
| Cost of funding earning assets | 0.5196% | 849 |
| Net interest margin | 2.7862% | 3,700 |
| Noninterest income to average assets | 0.2071% | 4,127 |
| Noninterest expense to average assets | 1.8606% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9049% | 3,020 |
| Return on assets (ROA) | 0.8994% | 3,106 |
| Pretax return on assets | 1.0171% | 3,212 |
| Return on Equity (ROE) | 8.0591% | 3,200 |
| Retained earnings to average equity (ytd only) | 4.7206% | 2,910 |
| Net charge-offs to loans | -0.0131% | 3,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5136% | 2,476 |
| Assets per employee ($millions) | 7.6586% | 1,523 |
| Cash dividends to net income (ytd only)* | 41.4250% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,000 |
| Loan loss allowance to noncurrent loans | 287.6485% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 2,010 |
| Noncurrent loans to loans | 0.5989% | 1,635 |
| Net loans and leases to total assets | 50.1130% | 3,257 |
| Net loans and leases to deposits | 56.2854% | 3,395 |
| Net loans and leases to core deposits | 58.7975% | 3,408 |
| Total domestic deposits to total assets | 89.0337% | 1,498 |
| Equity capital to assets | 10.8535% | 1,899 |
| Core capital (leverage) ratio | 10.5830% | 1,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,414,600 | 2,611 |
| Average earning assets | $257,878,200 | 2,567 |
| Average equity | $29,953,600 | 2,539 |
| Average total loans | $137,066,000 | 2,760 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3296% | 3,309 |
| Cost of funding earning assets | 0.5488% | 839 |
| Net interest margin | 2.7808% | 3,822 |
| Noninterest income to average assets | 0.2036% | 4,181 |
| Noninterest expense to average assets | 1.8250% | 4,116 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9217% | 3,175 |
| Return on assets (ROA) | 0.9217% | 3,248 |
| Pretax return on assets | 1.0473% | 3,330 |
| Return on Equity (ROE) | 8.2016% | 3,347 |
| Retained earnings to average equity (ytd only) | 3.7514% | 3,660 |
| Net charge-offs to loans | -0.0020% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5382% | 2,463 |
| Assets per employee ($millions) | 7.4208% | 1,610 |
| Cash dividends to net income (ytd only)* | 54.2594% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7593% | 999 |
| Loan loss allowance to noncurrent loans | 254.6032% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.3537% | 2,016 |
| Noncurrent loans to loans | 0.6910% | 1,598 |
| Net loans and leases to total assets | 50.2910% | 3,376 |
| Net loans and leases to deposits | 56.7186% | 3,516 |
| Net loans and leases to core deposits | 59.2160% | 3,533 |
| Total domestic deposits to total assets | 88.6677% | 1,477 |
| Equity capital to assets | 11.1250% | 1,931 |
| Core capital (leverage) ratio | 10.3294% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,591,000 | 2,649 |
| Average earning assets | $255,839,000 | 2,596 |
| Average equity | $29,961,000 | 2,570 |
| Average total loans | $136,185,500 | 2,808 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 3,289 |
| Cost of funding earning assets | 0.5778% | 825 |
| Net interest margin | 2.7819% | 3,823 |
| Noninterest income to average assets | 0.1989% | 4,205 |
| Noninterest expense to average assets | 1.8070% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9354% | 3,114 |
| Return on assets (ROA) | 0.9354% | 3,193 |
| Pretax return on assets | 1.0668% | 3,301 |
| Return on Equity (ROE) | 8.2952% | 3,317 |
| Retained earnings to average equity (ytd only) | 8.2952% | 1,979 |
| Net charge-offs to loans | 0.0029% | 2,084 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 710.5000% | 195 |
| Efficiency ratio | 62.8788% | 2,600 |
| Assets per employee ($millions) | 7.8092% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 962 |
| Loan loss allowance to noncurrent loans | 234.3415% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 2,105 |
| Noncurrent loans to loans | 0.7491% | 1,597 |
| Net loans and leases to total assets | 49.1832% | 3,636 |
| Net loans and leases to deposits | 55.4624% | 3,758 |
| Net loans and leases to core deposits | 58.4668% | 3,731 |
| Total domestic deposits to total assets | 88.6785% | 1,465 |
| Equity capital to assets | 11.1301% | 1,893 |
| Core capital (leverage) ratio | 10.5592% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,405,667 | 2,638 |
| Average earning assets | $256,151,333 | 2,585 |
| Average equity | $30,041,333 | 2,549 |
| Average total loans | $135,995,000 | 2,823 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3778% | 3,262 |
| Cost of funding earning assets | 0.6110% | 840 |
| Net interest margin | 2.7668% | 3,837 |
| Noninterest income to average assets | 0.1932% | 4,230 |
| Noninterest expense to average assets | 1.8209% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9082% | 3,109 |
| Return on assets (ROA) | 0.9082% | 3,185 |
| Pretax return on assets | 1.0314% | 3,288 |
| Return on Equity (ROE) | 7.9996% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.9996% | 2,235 |
| Net charge-offs to loans | -0.0502% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8400% | 2,485 |
| Assets per employee ($millions) | 7.5807% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 890 |
| Loan loss allowance to noncurrent loans | 197.3105% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 2,003 |
| Noncurrent loans to loans | 0.9064% | 1,492 |
| Net loans and leases to total assets | 50.1087% | 3,613 |
| Net loans and leases to deposits | 56.5543% | 3,756 |
| Net loans and leases to core deposits | 59.8734% | 3,706 |
| Total domestic deposits to total assets | 88.6029% | 1,560 |
| Equity capital to assets | 11.1720% | 1,742 |
| Core capital (leverage) ratio | 10.5557% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,948,000 | 2,645 |
| Average earning assets | $252,709,500 | 2,592 |
| Average equity | $29,851,500 | 2,556 |
| Average total loans | $135,577,500 | 2,830 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 3,438 |
| Cost of funding earning assets | 0.7361% | 1,536 |
| Net interest margin | 3.0153% | 3,851 |
| Noninterest income to average assets | 0.2784% | 3,814 |
| Noninterest expense to average assets | 1.9702% | 4,197 |
| Loan and lease loss provision to assets | 0.0960% | 3,145 |
| Net operating income to assets | 0.9522% | 2,472 |
| Return on assets (ROA) | 0.9653% | 2,565 |
| Pretax return on assets | 1.1076% | 2,662 |
| Return on Equity (ROE) | 8.3805% | 2,659 |
| Retained earnings to average equity (ytd only) | 8.3805% | 945 |
| Net charge-offs to loans | 0.1518% | 1,072 |
| Credit loss provision to net charge-offs | 114.4279% | 2,688 |
| Earnings coverage of net charge-offs (x) | 14.1692% | 2,229 |
| Efficiency ratio | 62.3728% | 3,059 |
| Assets per employee ($millions) | 7.4449% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 907 |
| Loan loss allowance to noncurrent loans | 197.8601% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 2,162 |
| Noncurrent loans to loans | 0.8948% | 1,575 |
| Net loans and leases to total assets | 51.1872% | 3,735 |
| Net loans and leases to deposits | 58.0425% | 3,887 |
| Net loans and leases to core deposits | 61.1669% | 3,876 |
| Total domestic deposits to total assets | 88.1891% | 1,381 |
| Equity capital to assets | 11.5365% | 1,855 |
| Core capital (leverage) ratio | 11.1142% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $239,620,600 | 2,661 |
| Average earning assets | $228,903,000 | 2,607 |
| Average equity | $27,599,800 | 2,630 |
| Average total loans | $132,417,200 | 2,836 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8730% | 3,345 |
| Cost of funding earning assets | 0.7719% | 1,623 |
| Net interest margin | 3.1012% | 3,733 |
| Noninterest income to average assets | 0.2145% | 4,199 |
| Noninterest expense to average assets | 1.9313% | 4,284 |
| Loan and lease loss provision to assets | 0.1310% | 2,713 |
| Net operating income to assets | 0.9669% | 2,462 |
| Return on assets (ROA) | 0.9847% | 2,528 |
| Pretax return on assets | 1.1326% | 2,629 |
| Return on Equity (ROE) | 8.5528% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.5528% | 1,127 |
| Net charge-offs to loans | 0.2209% | 692 |
| Credit loss provision to net charge-offs | 105.5046% | 2,581 |
| Earnings coverage of net charge-offs (x) | 10.0229% | 2,384 |
| Efficiency ratio | 60.8423% | 3,248 |
| Assets per employee ($millions) | 6.7895% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7360% | 831 |
| Loan loss allowance to noncurrent loans | 207.3849% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,313 |
| Noncurrent loans to loans | 0.8371% | 1,755 |
| Net loans and leases to total assets | 55.2773% | 3,682 |
| Net loans and leases to deposits | 62.9218% | 3,868 |
| Net loans and leases to core deposits | 66.5537% | 3,861 |
| Total domestic deposits to total assets | 87.8509% | 1,287 |
| Equity capital to assets | 11.8684% | 1,759 |
| Core capital (leverage) ratio | 11.0707% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $234,382,500 | 2,679 |
| Average earning assets | $223,695,250 | 2,623 |
| Average equity | $26,984,500 | 2,669 |
| Average total loans | $131,575,500 | 2,854 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0078% | 3,303 |
| Cost of funding earning assets | 0.8090% | 1,783 |
| Net interest margin | 3.1988% | 3,674 |
| Noninterest income to average assets | 0.2207% | 4,167 |
| Noninterest expense to average assets | 1.9443% | 4,341 |
| Loan and lease loss provision to assets | 0.1991% | 2,056 |
| Net operating income to assets | 0.9719% | 2,420 |
| Return on assets (ROA) | 0.9990% | 2,457 |
| Pretax return on assets | 1.1548% | 2,529 |
| Return on Equity (ROE) | 8.7724% | 2,460 |
| Retained earnings to average equity (ytd only) | 8.7724% | 1,086 |
| Net charge-offs to loans | 0.2654% | 595 |
| Credit loss provision to net charge-offs | 133.7209% | 2,212 |
| Earnings coverage of net charge-offs (x) | 8.8837% | 2,257 |
| Efficiency ratio | 59.5125% | 3,483 |
| Assets per employee ($millions) | 6.6798% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 649 |
| Loan loss allowance to noncurrent loans | 222.3949% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 2,501 |
| Noncurrent loans to loans | 0.8104% | 1,873 |
| Net loans and leases to total assets | 55.1293% | 3,767 |
| Net loans and leases to deposits | 62.5528% | 3,973 |
| Net loans and leases to core deposits | 65.9408% | 3,973 |
| Total domestic deposits to total assets | 88.1325% | 1,113 |
| Equity capital to assets | 11.6093% | 1,903 |
| Core capital (leverage) ratio | 10.8573% | 2,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,036,000 | 2,676 |
| Average earning assets | $220,022,333 | 2,628 |
| Average equity | $26,309,667 | 2,696 |
| Average total loans | $129,601,667 | 2,868 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8909% | 4,052 |
| Cost of funding earning assets | 0.8580% | 2,068 |
| Net interest margin | 3.0328% | 4,224 |
| Noninterest income to average assets | 0.2439% | 4,099 |
| Noninterest expense to average assets | 2.0219% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9474% | 2,355 |
| Return on assets (ROA) | 1.0021% | 2,272 |
| Pretax return on assets | 1.1718% | 2,296 |
| Return on Equity (ROE) | 8.8920% | 2,158 |
| Retained earnings to average equity (ytd only) | 8.8920% | 1,003 |
| Net charge-offs to loans | 0.4350% | 336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.5435% | 2,129 |
| Efficiency ratio | 64.5963% | 3,130 |
| Assets per employee ($millions) | 6.2349% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 725 |
| Loan loss allowance to noncurrent loans | 197.9646% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 2,526 |
| Noncurrent loans to loans | 0.9029% | 1,808 |
| Net loans and leases to total assets | 53.2838% | 4,040 |
| Net loans and leases to deposits | 60.0375% | 4,193 |
| Net loans and leases to core deposits | 63.9935% | 4,170 |
| Total domestic deposits to total assets | 88.7509% | 785 |
| Equity capital to assets | 11.0719% | 2,800 |
| Core capital (leverage) ratio | 11.2268% | 2,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $226,318,500 | 2,662 |
| Average earning assets | $215,375,000 | 2,613 |
| Average equity | $25,506,000 | 2,743 |
| Average total loans | $126,901,000 | 2,871 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,830 |
| Cost of funding earning assets | 0.8747% | 2,310 |
| Net interest margin | 3.3170% | 3,950 |
| Noninterest income to average assets | 0.2701% | 4,061 |
| Noninterest expense to average assets | 2.1514% | 4,265 |
| Loan and lease loss provision to assets | 0.0951% | 2,131 |
| Net operating income to assets | 1.0186% | 2,778 |
| Return on assets (ROA) | 1.0500% | 2,752 |
| Pretax return on assets | 1.2065% | 2,819 |
| Return on Equity (ROE) | 9.2673% | 2,627 |
| Retained earnings to average equity (ytd only) | 9.2673% | 648 |
| Net charge-offs to loans | 0.0024% | 3,608 |
| Credit loss provision to net charge-offs | 6,666.6667% | 66 |
| Earnings coverage of net charge-offs (x) | 887.0000% | 118 |
| Efficiency ratio | 62.9645% | 3,222 |
| Assets per employee ($millions) | 5.9985% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8454% | 606 |
| Loan loss allowance to noncurrent loans | 169.2088% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6321% | 2,004 |
| Noncurrent loans to loans | 1.0906% | 1,385 |
| Net loans and leases to total assets | 56.8923% | 3,854 |
| Net loans and leases to deposits | 64.3511% | 4,056 |
| Net loans and leases to core deposits | 68.1132% | 4,077 |
| Total domestic deposits to total assets | 88.4092% | 935 |
| Equity capital to assets | 11.4759% | 2,548 |
| Core capital (leverage) ratio | 11.8203% | 1,883 |
| Tier 1 risk-based capital ratio | 18.6282% | 1,606 |
| Total risk-based capital ratio | 19.8840% | 1,573 |
| Memoranda: | ||
| Average total assets | $210,283,600 | 2,754 |
| Average earning assets | $199,487,000 | 2,716 |
| Average equity | $23,825,800 | 2,810 |
| Average total loans | $124,919,000 | 2,878 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2349% | 3,846 |
| Cost of funding earning assets | 0.9052% | 2,208 |
| Net interest margin | 3.3297% | 4,042 |
| Noninterest income to average assets | 0.2771% | 4,094 |
| Noninterest expense to average assets | 2.1796% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0917% | 2,603 |
| Return on assets (ROA) | 1.1342% | 2,525 |
| Pretax return on assets | 1.3039% | 2,657 |
| Return on Equity (ROE) | 10.0447% | 2,410 |
| Retained earnings to average equity (ytd only) | 10.0447% | 736 |
| Net charge-offs to loans | -0.0570% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4594% | 3,095 |
| Assets per employee ($millions) | 5.5701% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 748 |
| Loan loss allowance to noncurrent loans | 166.0462% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.6517% | 2,056 |
| Noncurrent loans to loans | 1.0510% | 1,523 |
| Net loans and leases to total assets | 60.9194% | 3,605 |
| Net loans and leases to deposits | 70.3409% | 3,749 |
| Net loans and leases to core deposits | 73.5109% | 3,856 |
| Total domestic deposits to total assets | 86.6060% | 1,723 |
| Equity capital to assets | 12.1892% | 2,121 |
| Core capital (leverage) ratio | 11.9045% | 1,915 |
| Tier 1 risk-based capital ratio | 18.5784% | 1,669 |
| Total risk-based capital ratio | 19.8339% | 1,635 |
| Memoranda: | ||
| Average total assets | $207,368,500 | 2,801 |
| Average earning assets | $196,646,750 | 2,757 |
| Average equity | $23,414,750 | 2,859 |
| Average total loans | $123,988,000 | 2,923 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 3,997 |
| Cost of funding earning assets | 0.9194% | 2,053 |
| Net interest margin | 3.2493% | 4,241 |
| Noninterest income to average assets | 0.2733% | 4,108 |
| Noninterest expense to average assets | 2.1714% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0062% | 2,900 |
| Return on assets (ROA) | 1.0684% | 2,716 |
| Pretax return on assets | 1.2570% | 2,720 |
| Return on Equity (ROE) | 9.7172% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.7172% | 835 |
| Net charge-offs to loans | -0.2216% | 5,142 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7160% | 3,016 |
| Assets per employee ($millions) | 5.3739% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 648 |
| Loan loss allowance to noncurrent loans | 161.8182% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 1,957 |
| Noncurrent loans to loans | 1.1285% | 1,444 |
| Net loans and leases to total assets | 60.9217% | 3,664 |
| Net loans and leases to deposits | 69.8390% | 3,858 |
| Net loans and leases to core deposits | 73.0736% | 3,939 |
| Total domestic deposits to total assets | 87.2316% | 1,478 |
| Equity capital to assets | 11.7821% | 2,356 |
| Core capital (leverage) ratio | 11.5644% | 2,113 |
| Tier 1 risk-based capital ratio | 18.4294% | 1,692 |
| Total risk-based capital ratio | 19.6859% | 1,651 |
| Memoranda: | ||
| Average total assets | $207,794,000 | 2,804 |
| Average earning assets | $197,088,000 | 2,763 |
| Average equity | $22,846,000 | 2,897 |
| Average total loans | $122,724,000 | 2,950 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 4,098 |
| Cost of funding earning assets | 0.9412% | 1,830 |
| Net interest margin | 3.1683% | 4,462 |
| Noninterest income to average assets | 0.2691% | 4,073 |
| Noninterest expense to average assets | 2.1833% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9212% | 3,159 |
| Return on assets (ROA) | 1.0478% | 2,709 |
| Pretax return on assets | 1.2348% | 2,684 |
| Return on Equity (ROE) | 9.8745% | 2,418 |
| Retained earnings to average equity (ytd only) | 9.8745% | 1,063 |
| Net charge-offs to loans | -0.1624% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7834% | 2,825 |
| Assets per employee ($millions) | 5.5058% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8320% | 664 |
| Loan loss allowance to noncurrent loans | 145.7461% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.7303% | 1,921 |
| Noncurrent loans to loans | 1.2570% | 1,309 |
| Net loans and leases to total assets | 57.0363% | 3,985 |
| Net loans and leases to deposits | 64.1760% | 4,172 |
| Net loans and leases to core deposits | 68.4526% | 4,156 |
| Total domestic deposits to total assets | 88.8749% | 922 |
| Equity capital to assets | 10.9119% | 2,941 |
| Core capital (leverage) ratio | 10.9446% | 2,618 |
| Tier 1 risk-based capital ratio | 17.9230% | 1,813 |
| Total risk-based capital ratio | 19.1784% | 1,775 |
| Memoranda: | ||
| Average total assets | $209,587,000 | 2,810 |
| Average earning assets | $198,467,000 | 2,782 |
| Average equity | $22,239,000 | 2,951 |
| Average total loans | $120,725,500 | 3,012 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9774% | 4,087 |
| Cost of funding earning assets | 0.7772% | 1,648 |
| Net interest margin | 3.2002% | 4,485 |
| Noninterest income to average assets | 0.2614% | 4,368 |
| Noninterest expense to average assets | 2.1844% | 4,373 |
| Loan and lease loss provision to assets | 0.1732% | 1,150 |
| Net operating income to assets | 0.7885% | 3,848 |
| Return on assets (ROA) | 0.7885% | 3,852 |
| Pretax return on assets | 0.9365% | 3,795 |
| Return on Equity (ROE) | 7.5817% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.3437% | 1,520 |
| Net charge-offs to loans | 0.1859% | 1,032 |
| Credit loss provision to net charge-offs | 160.5505% | 1,730 |
| Earnings coverage of net charge-offs (x) | 10.2844% | 2,736 |
| Efficiency ratio | 66.3110% | 2,826 |
| Assets per employee ($millions) | 5.5251% | 1,932 |
| Cash dividends to net income (ytd only)* | 3.1387% | 3,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8158% | 663 |
| Loan loss allowance to noncurrent loans | 136.9182% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 1,842 |
| Noncurrent loans to loans | 1.3262% | 1,181 |
| Net loans and leases to total assets | 56.0673% | 4,129 |
| Net loans and leases to deposits | 62.6040% | 4,339 |
| Net loans and leases to core deposits | 67.7586% | 4,245 |
| Total domestic deposits to total assets | 89.5586% | 638 |
| Equity capital to assets | 10.3109% | 3,364 |
| Core capital (leverage) ratio | 11.0975% | 2,437 |
| Tier 1 risk-based capital ratio | 17.5064% | 1,902 |
| Total risk-based capital ratio | 18.7616% | 1,854 |
| Memoranda: | ||
| Average total assets | $202,022,800 | 2,847 |
| Average earning assets | $191,457,800 | 2,813 |
| Average equity | $21,011,200 | 2,991 |
| Average total loans | $117,294,000 | 3,026 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 4,103 |
| Cost of funding earning assets | 0.7519% | 1,575 |
| Net interest margin | 3.1894% | 4,535 |
| Noninterest income to average assets | 0.2613% | 4,405 |
| Noninterest expense to average assets | 2.1582% | 4,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9684% | 3,223 |
| Return on assets (ROA) | 0.9684% | 3,238 |
| Pretax return on assets | 1.1311% | 3,274 |
| Return on Equity (ROE) | 9.2906% | 2,961 |
| Retained earnings to average equity (ytd only) | 9.2906% | 1,121 |
| Net charge-offs to loans | 0.1017% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.0680% | 2,023 |
| Efficiency ratio | 65.6130% | 2,939 |
| Assets per employee ($millions) | 5.4979% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6307% | 1,007 |
| Loan loss allowance to noncurrent loans | 108.4211% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 1,660 |
| Noncurrent loans to loans | 1.5041% | 1,083 |
| Net loans and leases to total assets | 58.0320% | 4,037 |
| Net loans and leases to deposits | 64.9399% | 4,279 |
| Net loans and leases to core deposits | 70.5785% | 4,151 |
| Total domestic deposits to total assets | 89.3626% | 716 |
| Equity capital to assets | 10.3773% | 3,255 |
| Core capital (leverage) ratio | 11.1530% | 2,455 |
| Tier 1 risk-based capital ratio | 17.6833% | 1,875 |
| Total risk-based capital ratio | 18.9367% | 1,832 |
| Memoranda: | ||
| Average total assets | $200,040,250 | 2,885 |
| Average earning assets | $189,917,000 | 2,843 |
| Average equity | $20,852,000 | 3,034 |
| Average total loans | $116,644,500 | 3,058 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 4,062 |
| Cost of funding earning assets | 0.7242% | 1,501 |
| Net interest margin | 3.1825% | 4,546 |
| Noninterest income to average assets | 0.2634% | 4,427 |
| Noninterest expense to average assets | 2.1597% | 4,464 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9652% | 3,167 |
| Return on assets (ROA) | 0.9652% | 3,168 |
| Pretax return on assets | 1.1261% | 3,205 |
| Return on Equity (ROE) | 9.2459% | 2,917 |
| Retained earnings to average equity (ytd only) | 9.2459% | 1,142 |
| Net charge-offs to loans | -0.0554% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7283% | 3,027 |
| Assets per employee ($millions) | 5.5351% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 855 |
| Loan loss allowance to noncurrent loans | 102.6680% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.0157% | 1,481 |
| Noncurrent loans to loans | 1.6871% | 944 |
| Net loans and leases to total assets | 59.1632% | 3,890 |
| Net loans and leases to deposits | 66.2514% | 4,152 |
| Net loans and leases to core deposits | 71.9932% | 4,006 |
| Total domestic deposits to total assets | 89.3011% | 815 |
| Equity capital to assets | 10.4916% | 3,128 |
| Core capital (leverage) ratio | 11.0263% | 2,499 |
| Tier 1 risk-based capital ratio | 17.5436% | 1,929 |
| Total risk-based capital ratio | 18.7983% | 1,884 |
| Memoranda: | ||
| Average total assets | $198,912,330 | 2,909 |
| Average earning assets | $188,909,330 | 2,865 |
| Average equity | $20,766,000 | 3,056 |
| Average total loans | $115,523,330 | 3,086 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,112 |
| Cost of funding earning assets | 0.6639% | 1,636 |
| Net interest margin | 3.1751% | 4,543 |
| Noninterest income to average assets | 0.2677% | 4,383 |
| Noninterest expense to average assets | 2.1254% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9882% | 2,898 |
| Return on assets (ROA) | 0.9882% | 2,928 |
| Pretax return on assets | 1.1553% | 2,955 |
| Return on Equity (ROE) | 9.4898% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.4898% | 1,310 |
| Net charge-offs to loans | -0.0600% | 5,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7853% | 3,357 |
| Assets per employee ($millions) | 5.5354% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7785% | 821 |
| Loan loss allowance to noncurrent loans | 100.3893% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.0312% | 1,523 |
| Noncurrent loans to loans | 1.7716% | 962 |
| Net loans and leases to total assets | 57.1738% | 4,016 |
| Net loans and leases to deposits | 63.8552% | 4,219 |
| Net loans and leases to core deposits | 70.4734% | 4,061 |
| Total domestic deposits to total assets | 89.5366% | 870 |
| Equity capital to assets | 10.3129% | 3,264 |
| Core capital (leverage) ratio | 10.7435% | 2,696 |
| Tier 1 risk-based capital ratio | 17.6703% | 1,925 |
| Total risk-based capital ratio | 18.9254% | 1,877 |
| Memoranda: | ||
| Average total assets | $198,736,500 | 2,944 |
| Average earning assets | $188,594,000 | 2,897 |
| Average equity | $20,696,000 | 3,087 |
| Average total loans | $113,300,500 | 3,138 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,111 |
| Cost of funding earning assets | 0.4653% | 2,640 |
| Net interest margin | 3.3136% | 4,114 |
| Noninterest income to average assets | 0.3024% | 4,290 |
| Noninterest expense to average assets | 2.3560% | 4,194 |
| Loan and lease loss provision to assets | 0.1597% | 1,403 |
| Net operating income to assets | 0.6070% | 3,976 |
| Return on assets (ROA) | 0.6070% | 4,014 |
| Pretax return on assets | 0.9184% | 3,847 |
| Return on Equity (ROE) | 5.5037% | 3,963 |
| Retained earnings to average equity (ytd only) | 4.2968% | 2,580 |
| Net charge-offs to loans | 0.1994% | 1,291 |
| Credit loss provision to net charge-offs | 144.9275% | 1,834 |
| Earnings coverage of net charge-offs (x) | 9.7826% | 2,750 |
| Efficiency ratio | 68.6047% | 2,777 |
| Assets per employee ($millions) | 5.6628% | 1,775 |
| Cash dividends to net income (ytd only)* | 21.9298% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8498% | 709 |
| Loan loss allowance to noncurrent loans | 98.4127% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 1,458 |
| Noncurrent loans to loans | 1.8797% | 837 |
| Net loans and leases to total assets | 54.7730% | 4,290 |
| Net loans and leases to deposits | 61.2988% | 4,492 |
| Net loans and leases to core deposits | 67.6473% | 4,321 |
| Total domestic deposits to total assets | 89.3541% | 846 |
| Equity capital to assets | 10.5152% | 3,154 |
| Core capital (leverage) ratio | 10.8438% | 2,479 |
| Tier 1 risk-based capital ratio | 18.0335% | 1,794 |
| Total risk-based capital ratio | 19.2895% | 1,741 |
| Memoranda: | ||
| Average total assets | $187,822,000 | 3,043 |
| Average earning assets | $177,510,200 | 2,990 |
| Average equity | $20,713,200 | 3,062 |
| Average total loans | $103,804,800 | 3,287 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,096 |
| Cost of funding earning assets | 0.4332% | 2,869 |
| Net interest margin | 3.3386% | 4,051 |
| Noninterest income to average assets | 0.3081% | 4,325 |
| Noninterest expense to average assets | 2.3322% | 4,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8760% | 3,146 |
| Return on assets (ROA) | 0.8760% | 3,190 |
| Pretax return on assets | 1.1323% | 3,175 |
| Return on Equity (ROE) | 7.8459% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.8459% | 1,283 |
| Net charge-offs to loans | 0.0170% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 121.0202% | 623 |
| Efficiency ratio | 67.3177% | 2,996 |
| Assets per employee ($millions) | 5.3428% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 877 |
| Loan loss allowance to noncurrent loans | 144.9925% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 2,422 |
| Noncurrent loans to loans | 1.2305% | 1,545 |
| Net loans and leases to total assets | 55.5222% | 4,273 |
| Net loans and leases to deposits | 62.7196% | 4,456 |
| Net loans and leases to core deposits | 69.4672% | 4,272 |
| Total domestic deposits to total assets | 88.5245% | 1,108 |
| Equity capital to assets | 11.2051% | 2,665 |
| Core capital (leverage) ratio | 11.3526% | 2,138 |
| Tier 1 risk-based capital ratio | 18.5016% | 1,728 |
| Total risk-based capital ratio | 19.7565% | 1,682 |
| Memoranda: | ||
| Average total assets | $185,228,000 | 3,092 |
| Average earning assets | $175,117,750 | 3,039 |
| Average equity | $20,681,250 | 3,086 |
| Average total loans | $102,104,750 | 3,345 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,037 |
| Cost of funding earning assets | 0.3934% | 3,137 |
| Net interest margin | 3.3657% | 3,893 |
| Noninterest income to average assets | 0.3095% | 4,323 |
| Noninterest expense to average assets | 2.3538% | 4,198 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8783% | 3,026 |
| Return on assets (ROA) | 0.8783% | 3,084 |
| Pretax return on assets | 1.1375% | 3,018 |
| Return on Equity (ROE) | 7.8760% | 3,106 |
| Retained earnings to average equity (ytd only) | 7.8760% | 1,219 |
| Net charge-offs to loans | 0.0581% | 2,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 35.8621% | 1,345 |
| Efficiency ratio | 67.4185% | 3,111 |
| Assets per employee ($millions) | 4.7219% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 795 |
| Loan loss allowance to noncurrent loans | 149.4949% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 2,465 |
| Noncurrent loans to loans | 1.2376% | 1,567 |
| Net loans and leases to total assets | 55.4253% | 4,276 |
| Net loans and leases to deposits | 64.3404% | 4,349 |
| Net loans and leases to core deposits | 71.9135% | 4,098 |
| Total domestic deposits to total assets | 86.1438% | 2,316 |
| Equity capital to assets | 11.5049% | 2,314 |
| Core capital (leverage) ratio | 11.4707% | 1,990 |
| Tier 1 risk-based capital ratio | 18.7268% | 1,658 |
| Total risk-based capital ratio | 19.9820% | 1,623 |
| Memoranda: | ||
| Average total assets | $182,857,000 | 3,122 |
| Average earning assets | $172,859,670 | 3,073 |
| Average equity | $20,391,000 | 3,115 |
| Average total loans | $99,895,670 | 3,402 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7378% | 3,982 |
| Cost of funding earning assets | 0.3582% | 3,440 |
| Net interest margin | 3.3796% | 3,715 |
| Noninterest income to average assets | 0.3030% | 4,392 |
| Noninterest expense to average assets | 2.3380% | 4,301 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8891% | 2,819 |
| Return on assets (ROA) | 0.8891% | 2,864 |
| Pretax return on assets | 1.1547% | 2,760 |
| Return on Equity (ROE) | 8.1028% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.1028% | 1,417 |
| Net charge-offs to loans | 0.0245% | 2,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 87.6667% | 610 |
| Efficiency ratio | 66.9390% | 3,350 |
| Assets per employee ($millions) | 5.0692% | 2,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 711 |
| Loan loss allowance to noncurrent loans | 151.1646% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 2,528 |
| Noncurrent loans to loans | 1.3008% | 1,556 |
| Net loans and leases to total assets | 53.1906% | 4,407 |
| Net loans and leases to deposits | 60.0397% | 4,563 |
| Net loans and leases to core deposits | 67.3172% | 4,331 |
| Total domestic deposits to total assets | 88.5923% | 1,380 |
| Equity capital to assets | 11.1397% | 2,494 |
| Core capital (leverage) ratio | 11.2475% | 2,151 |
| Tier 1 risk-based capital ratio | 18.8937% | 1,637 |
| Total risk-based capital ratio | 20.1496% | 1,598 |
| Memoranda: | ||
| Average total assets | $182,207,500 | 3,160 |
| Average earning assets | $171,975,000 | 3,109 |
| Average equity | $19,993,000 | 3,176 |
| Average total loans | $97,847,000 | 3,456 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 3,736 |
| Cost of funding earning assets | 0.3471% | 3,546 |
| Net interest margin | 3.5042% | 3,413 |
| Noninterest income to average assets | 0.3023% | 4,582 |
| Noninterest expense to average assets | 2.2984% | 4,562 |
| Loan and lease loss provision to assets | 0.1596% | 1,549 |
| Net operating income to assets | 0.9991% | 2,356 |
| Return on assets (ROA) | 1.0100% | 2,407 |
| Pretax return on assets | 1.1718% | 2,797 |
| Return on Equity (ROE) | 9.5506% | 2,166 |
| Retained earnings to average equity (ytd only) | 8.2926% | 763 |
| Net charge-offs to loans | -0.0088% | 4,912 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5427% | 4,025 |
| Assets per employee ($millions) | 5.0534% | 2,330 |
| Cash dividends to net income (ytd only)* | 13.1718% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 633 |
| Loan loss allowance to noncurrent loans | 107.0724% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0026% | 1,890 |
| Noncurrent loans to loans | 1.8867% | 982 |
| Net loans and leases to total assets | 52.0690% | 4,602 |
| Net loans and leases to deposits | 58.5014% | 4,758 |
| Net loans and leases to core deposits | 65.1387% | 4,570 |
| Total domestic deposits to total assets | 89.0047% | 1,118 |
| Equity capital to assets | 10.8051% | 2,810 |
| Core capital (leverage) ratio | 10.9049% | 2,437 |
| Tier 1 risk-based capital ratio | 19.1761% | 1,549 |
| Total risk-based capital ratio | 20.4336% | 1,511 |
| Memoranda: | ||
| Average total assets | $187,914,000 | 3,081 |
| Average earning assets | $177,758,600 | 3,037 |
| Average equity | $19,873,200 | 3,181 |
| Average total loans | $90,567,200 | 3,564 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 3,570 |
| Cost of funding earning assets | 0.3463% | 3,571 |
| Net interest margin | 3.5585% | 3,239 |
| Noninterest income to average assets | 0.2935% | 4,668 |
| Noninterest expense to average assets | 2.2793% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1472% | 1,819 |
| Return on assets (ROA) | 1.1945% | 1,754 |
| Pretax return on assets | 1.4423% | 1,910 |
| Return on Equity (ROE) | 11.3544% | 1,538 |
| Retained earnings to average equity (ytd only) | 9.6817% | 643 |
| Net charge-offs to loans | -0.0195% | 4,997 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1975% | 4,193 |
| Assets per employee ($millions) | 5.0787% | 2,282 |
| Cash dividends to net income (ytd only)* | 14.7321% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 1,054 |
| Loan loss allowance to noncurrent loans | 473.7143% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 4,691 |
| Noncurrent loans to loans | 0.3751% | 3,921 |
| Net loans and leases to total assets | 48.7773% | 4,904 |
| Net loans and leases to deposits | 57.6121% | 4,900 |
| Net loans and leases to core deposits | 63.9271% | 4,729 |
| Total domestic deposits to total assets | 84.6651% | 2,963 |
| Equity capital to assets | 11.1281% | 2,890 |
| Core capital (leverage) ratio | 10.6652% | 2,815 |
| Tier 1 risk-based capital ratio | 18.8606% | 1,704 |
| Total risk-based capital ratio | 20.1136% | 1,666 |
| Memoranda: | ||
| Average total assets | $189,411,500 | 3,078 |
| Average earning assets | $179,436,000 | 3,027 |
| Average equity | $19,927,250 | 3,199 |
| Average total loans | $89,039,250 | 3,617 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 3,026 |
| Cost of funding earning assets | 0.3436% | 3,633 |
| Net interest margin | 3.7156% | 2,633 |
| Noninterest income to average assets | 0.2949% | 4,669 |
| Noninterest expense to average assets | 2.2684% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3016% | 1,269 |
| Return on assets (ROA) | 1.3733% | 1,182 |
| Pretax return on assets | 1.6302% | 1,278 |
| Return on Equity (ROE) | 13.3066% | 957 |
| Retained earnings to average equity (ytd only) | 10.7555% | 469 |
| Net charge-offs to loans | -0.0753% | 5,525 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4863% | 4,714 |
| Assets per employee ($millions) | 5.0099% | 2,286 |
| Cash dividends to net income (ytd only)* | 19.1718% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8698% | 944 |
| Loan loss allowance to noncurrent loans | 7,295.6522% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 5,568 |
| Noncurrent loans to loans | 0.0256% | 5,367 |
| Net loans and leases to total assets | 46.2571% | 5,113 |
| Net loans and leases to deposits | 53.6244% | 5,154 |
| Net loans and leases to core deposits | 59.1886% | 5,012 |
| Total domestic deposits to total assets | 86.2613% | 2,290 |
| Equity capital to assets | 10.8544% | 3,230 |
| Core capital (leverage) ratio | 10.4609% | 3,014 |
| Tier 1 risk-based capital ratio | 19.2799% | 1,634 |
| Total risk-based capital ratio | 20.5343% | 1,593 |
| Memoranda: | ||
| Average total assets | $189,911,670 | 3,089 |
| Average earning assets | $179,835,670 | 3,047 |
| Average equity | $19,599,330 | 3,240 |
| Average total loans | $87,613,670 | 3,656 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,712 |
| Cost of funding earning assets | 0.3388% | 3,732 |
| Net interest margin | 3.2302% | 4,471 |
| Noninterest income to average assets | 0.3016% | 4,570 |
| Noninterest expense to average assets | 2.3092% | 4,635 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7935% | 3,279 |
| Return on assets (ROA) | 1.0692% | 2,134 |
| Pretax return on assets | 1.4108% | 1,872 |
| Return on Equity (ROE) | 10.6362% | 1,732 |
| Retained earnings to average equity (ytd only) | 5.3915% | 2,720 |
| Net charge-offs to loans | -0.0231% | 4,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7814% | 3,332 |
| Assets per employee ($millions) | 5.0791% | 2,259 |
| Cash dividends to net income (ytd only)* | 49.3097% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 992 |
| Loan loss allowance to noncurrent loans | 217.3913% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,978 |
| Noncurrent loans to loans | 0.8667% | 2,676 |
| Net loans and leases to total assets | 45.7236% | 5,137 |
| Net loans and leases to deposits | 51.0974% | 5,272 |
| Net loans and leases to core deposits | 56.2563% | 5,124 |
| Total domestic deposits to total assets | 89.4832% | 847 |
| Equity capital to assets | 10.2721% | 3,772 |
| Core capital (leverage) ratio | 9.9408% | 3,606 |
| Tier 1 risk-based capital ratio | 18.6441% | 1,811 |
| Total risk-based capital ratio | 19.8987% | 1,770 |
| Memoranda: | ||
| Average total assets | $189,680,000 | 3,095 |
| Average earning assets | $179,434,000 | 3,055 |
| Average equity | $19,067,000 | 3,295 |
| Average total loans | $86,550,500 | 3,692 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5230% | 4,856 |
| Cost of funding earning assets | 0.3475% | 3,727 |
| Net interest margin | 3.1755% | 4,697 |
| Noninterest income to average assets | 0.2692% | 4,943 |
| Noninterest expense to average assets | 2.2415% | 4,943 |
| Loan and lease loss provision to assets | 0.1077% | 2,195 |
| Net operating income to assets | 0.7884% | 3,385 |
| Return on assets (ROA) | 0.8470% | 3,197 |
| Pretax return on assets | 1.0537% | 3,252 |
| Return on Equity (ROE) | 8.6587% | 2,644 |
| Retained earnings to average equity (ytd only) | 4.2550% | 2,958 |
| Net charge-offs to loans | 0.3382% | 878 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 7.2179% | 3,104 |
| Efficiency ratio | 67.3189% | 3,691 |
| Assets per employee ($millions) | 5.1739% | 2,152 |
| Cash dividends to net income (ytd only)* | 50.8582% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 915 |
| Loan loss allowance to noncurrent loans | 214.1927% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 3,970 |
| Noncurrent loans to loans | 0.8980% | 2,544 |
| Net loans and leases to total assets | 43.8164% | 5,285 |
| Net loans and leases to deposits | 50.9135% | 5,342 |
| Net loans and leases to core deposits | 56.1488% | 5,195 |
| Total domestic deposits to total assets | 86.0604% | 2,612 |
| Equity capital to assets | 9.8363% | 4,152 |
| Core capital (leverage) ratio | 9.7353% | 3,858 |
| Tier 1 risk-based capital ratio | 18.3258% | 1,875 |
| Total risk-based capital ratio | 19.5801% | 1,829 |
| Memoranda: | ||
| Average total assets | $185,721,600 | 3,108 |
| Average earning assets | $178,994,400 | 3,010 |
| Average equity | $18,166,800 | 3,362 |
| Average total loans | $82,791,000 | 3,750 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5086% | 4,960 |
| Cost of funding earning assets | 0.3524% | 3,734 |
| Net interest margin | 3.1562% | 4,804 |
| Noninterest income to average assets | 0.2778% | 4,957 |
| Noninterest expense to average assets | 2.2543% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8505% | 3,171 |
| Return on assets (ROA) | 0.9282% | 2,902 |
| Pretax return on assets | 1.1800% | 2,891 |
| Return on Equity (ROE) | 9.5029% | 2,314 |
| Retained earnings to average equity (ytd only) | 3.5775% | 3,922 |
| Net charge-offs to loans | 0.1137% | 1,989 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 21.3573% | 1,829 |
| Efficiency ratio | 67.5775% | 3,617 |
| Assets per employee ($millions) | 4.9340% | 2,378 |
| Cash dividends to net income (ytd only)* | 62.3540% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9235% | 1,025 |
| Loan loss allowance to noncurrent loans | 619.8502% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 5,169 |
| Noncurrent loans to loans | 0.3103% | 4,490 |
| Net loans and leases to total assets | 45.0070% | 5,292 |
| Net loans and leases to deposits | 50.9771% | 5,421 |
| Net loans and leases to core deposits | 56.2489% | 5,297 |
| Total domestic deposits to total assets | 88.2885% | 1,403 |
| Equity capital to assets | 9.8570% | 4,335 |
| Core capital (leverage) ratio | 9.7761% | 3,929 |
| Tier 1 risk-based capital ratio | 18.7007% | 1,852 |
| Total risk-based capital ratio | 19.9559% | 1,810 |
| Memoranda: | ||
| Average total assets | $184,293,750 | 3,148 |
| Average earning assets | $178,565,000 | 3,039 |
| Average equity | $18,001,000 | 3,414 |
| Average total loans | $82,107,750 | 3,802 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4790% | 5,043 |
| Cost of funding earning assets | 0.3619% | 3,672 |
| Net interest margin | 3.1171% | 4,925 |
| Noninterest income to average assets | 0.2478% | 5,176 |
| Noninterest expense to average assets | 2.2398% | 5,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8022% | 3,373 |
| Return on assets (ROA) | 0.9256% | 2,881 |
| Pretax return on assets | 1.1843% | 2,840 |
| Return on Equity (ROE) | 9.5062% | 2,300 |
| Retained earnings to average equity (ytd only) | 0.5381% | 5,338 |
| Net charge-offs to loans | -0.0322% | 5,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5829% | 3,576 |
| Assets per employee ($millions) | 4.6947% | 2,689 |
| Cash dividends to net income (ytd only)* | 94.3396% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1372% | 807 |
| Loan loss allowance to noncurrent loans | 258.6310% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 4,401 |
| Noncurrent loans to loans | 0.8264% | 3,058 |
| Net loans and leases to total assets | 43.4661% | 5,407 |
| Net loans and leases to deposits | 48.1912% | 5,586 |
| Net loans and leases to core deposits | 52.0542% | 5,534 |
| Total domestic deposits to total assets | 90.1951% | 579 |
| Equity capital to assets | 9.5427% | 4,600 |
| Core capital (leverage) ratio | 9.5415% | 4,226 |
| Tier 1 risk-based capital ratio | 18.8497% | 1,824 |
| Total risk-based capital ratio | 20.1066% | 1,793 |
| Memoranda: | ||
| Average total assets | $183,228,000 | 3,184 |
| Average earning assets | $177,409,670 | 3,073 |
| Average equity | $17,841,000 | 3,445 |
| Average total loans | $80,797,330 | 3,852 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4773% | 5,022 |
| Cost of funding earning assets | 0.3671% | 3,677 |
| Net interest margin | 3.1102% | 4,919 |
| Noninterest income to average assets | 0.2379% | 5,264 |
| Noninterest expense to average assets | 2.2434% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7987% | 3,267 |
| Return on assets (ROA) | 0.7987% | 3,392 |
| Pretax return on assets | 1.0082% | 3,462 |
| Return on Equity (ROE) | 8.1218% | 2,900 |
| Retained earnings to average equity (ytd only) | -9.6308% | 6,125 |
| Net charge-offs to loans | -0.0199% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9933% | 3,663 |
| Assets per employee ($millions) | 4.7849% | 2,644 |
| Cash dividends to net income (ytd only)* | 218.5792% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1277% | 889 |
| Loan loss allowance to noncurrent loans | 240.8078% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 4,421 |
| Noncurrent loans to loans | 0.8836% | 3,036 |
| Net loans and leases to total assets | 43.7413% | 5,368 |
| Net loans and leases to deposits | 48.6506% | 5,537 |
| Net loans and leases to core deposits | 51.0776% | 5,537 |
| Total domestic deposits to total assets | 89.9090% | 786 |
| Equity capital to assets | 9.8363% | 4,340 |
| Core capital (leverage) ratio | 9.3138% | 4,548 |
| Tier 1 risk-based capital ratio | 19.0296% | 1,858 |
| Total risk-based capital ratio | 20.2877% | 1,817 |
| Memoranda: | ||
| Average total assets | $183,296,000 | 3,200 |
| Average earning assets | $177,609,500 | 3,089 |
| Average equity | $18,025,500 | 3,440 |
| Average total loans | $80,535,500 | 3,873 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5882% | 5,113 |
| Cost of funding earning assets | 0.4162% | 3,521 |
| Net interest margin | 3.1720% | 5,011 |
| Noninterest income to average assets | 0.2408% | 5,400 |
| Noninterest expense to average assets | 2.2563% | 5,223 |
| Loan and lease loss provision to assets | 0.1125% | 2,292 |
| Net operating income to assets | 0.7274% | 3,756 |
| Return on assets (ROA) | 0.9467% | 2,734 |
| Pretax return on assets | 1.2145% | 2,596 |
| Return on Equity (ROE) | 9.7251% | 2,245 |
| Retained earnings to average equity (ytd only) | 7.9915% | 1,020 |
| Net charge-offs to loans | 0.1621% | 2,407 |
| Credit loss provision to net charge-offs | 157.4803% | 1,536 |
| Earnings coverage of net charge-offs (x) | 14.6378% | 2,144 |
| Efficiency ratio | 68.3305% | 3,843 |
| Assets per employee ($millions) | 4.8623% | 2,521 |
| Cash dividends to net income (ytd only)* | 17.8253% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1614% | 871 |
| Loan loss allowance to noncurrent loans | 228.4768% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 4,373 |
| Noncurrent loans to loans | 0.9460% | 2,962 |
| Net loans and leases to total assets | 42.2610% | 5,596 |
| Net loans and leases to deposits | 46.9853% | 5,746 |
| Net loans and leases to core deposits | 50.0978% | 5,711 |
| Total domestic deposits to total assets | 89.9451% | 755 |
| Equity capital to assets | 9.8319% | 4,309 |
| Core capital (leverage) ratio | 9.7673% | 3,875 |
| Tier 1 risk-based capital ratio | 21.1262% | 1,379 |
| Total risk-based capital ratio | 22.3862% | 1,349 |
| Memoranda: | ||
| Average total assets | $177,766,800 | 3,231 |
| Average earning assets | $171,561,200 | 3,136 |
| Average equity | $17,305,800 | 3,487 |
| Average total loans | $78,330,600 | 3,926 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 4,949 |
| Cost of funding earning assets | 0.4303% | 3,462 |
| Net interest margin | 3.2376% | 4,829 |
| Noninterest income to average assets | 0.2538% | 5,400 |
| Noninterest expense to average assets | 2.2414% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8948% | 2,936 |
| Return on assets (ROA) | 0.9211% | 2,913 |
| Pretax return on assets | 1.1635% | 2,936 |
| Return on Equity (ROE) | 9.4864% | 2,455 |
| Retained earnings to average equity (ytd only) | 9.4864% | 844 |
| Net charge-offs to loans | 0.1573% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.2178% | 1,994 |
| Efficiency ratio | 66.4794% | 4,140 |
| Assets per employee ($millions) | 4.7143% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 1,218 |
| Loan loss allowance to noncurrent loans | 314.5161% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.2964% | 5,079 |
| Noncurrent loans to loans | 0.6430% | 4,009 |
| Net loans and leases to total assets | 42.1861% | 5,654 |
| Net loans and leases to deposits | 47.0874% | 5,814 |
| Net loans and leases to core deposits | 50.4853% | 5,768 |
| Total domestic deposits to total assets | 89.5909% | 937 |
| Equity capital to assets | 10.1506% | 3,990 |
| Core capital (leverage) ratio | 9.9335% | 3,765 |
| Tier 1 risk-based capital ratio | 20.9526% | 1,462 |
| Total risk-based capital ratio | 22.2104% | 1,435 |
| Memoranda: | ||
| Average total assets | $176,017,000 | 3,278 |
| Average earning assets | $169,504,000 | 3,191 |
| Average equity | $17,090,750 | 3,535 |
| Average total loans | $77,961,000 | 3,964 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 4,799 |
| Cost of funding earning assets | 0.4398% | 3,443 |
| Net interest margin | 3.2797% | 4,669 |
| Noninterest income to average assets | 0.2538% | 5,376 |
| Noninterest expense to average assets | 2.2186% | 5,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9301% | 2,657 |
| Return on assets (ROA) | 0.9693% | 2,545 |
| Pretax return on assets | 1.2390% | 2,505 |
| Return on Equity (ROE) | 10.1397% | 2,089 |
| Retained earnings to average equity (ytd only) | 10.1397% | 691 |
| Net charge-offs to loans | 0.1943% | 1,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.6842% | 1,961 |
| Efficiency ratio | 65.1124% | 4,509 |
| Assets per employee ($millions) | 4.8256% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 1,283 |
| Loan loss allowance to noncurrent loans | 312.0792% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 5,234 |
| Noncurrent loans to loans | 0.6559% | 4,065 |
| Net loans and leases to total assets | 42.2415% | 5,664 |
| Net loans and leases to deposits | 47.0206% | 5,825 |
| Net loans and leases to core deposits | 50.4917% | 5,766 |
| Total domestic deposits to total assets | 89.8363% | 887 |
| Equity capital to assets | 9.9022% | 4,244 |
| Core capital (leverage) ratio | 9.5716% | 4,221 |
| Tier 1 risk-based capital ratio | 20.4612% | 1,576 |
| Total risk-based capital ratio | 21.7193% | 1,543 |
| Memoranda: | ||
| Average total assets | $174,975,330 | 3,307 |
| Average earning assets | $168,245,670 | 3,216 |
| Average equity | $16,726,330 | 3,577 |
| Average total loans | $78,237,000 | 3,969 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,693 |
| Cost of funding earning assets | 0.4347% | 3,601 |
| Net interest margin | 3.3094% | 4,494 |
| Noninterest income to average assets | 0.2541% | 5,333 |
| Noninterest expense to average assets | 2.2242% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9446% | 2,433 |
| Return on assets (ROA) | 0.9446% | 2,503 |
| Pretax return on assets | 1.2125% | 2,433 |
| Return on Equity (ROE) | 10.0680% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.0680% | 943 |
| Net charge-offs to loans | 0.3855% | 949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.9079% | 2,181 |
| Efficiency ratio | 64.7177% | 4,739 |
| Assets per employee ($millions) | 5.1627% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0199% | 1,481 |
| Loan loss allowance to noncurrent loans | 200.2541% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 4,834 |
| Noncurrent loans to loans | 1.0087% | 3,403 |
| Net loans and leases to total assets | 42.3071% | 5,639 |
| Net loans and leases to deposits | 46.7683% | 5,802 |
| Net loans and leases to core deposits | 50.6785% | 5,714 |
| Total domestic deposits to total assets | 90.4612% | 823 |
| Equity capital to assets | 9.2522% | 4,810 |
| Core capital (leverage) ratio | 9.4721% | 4,322 |
| Tier 1 risk-based capital ratio | 19.9967% | 1,719 |
| Total risk-based capital ratio | 21.2549% | 1,684 |
| Memoranda: | ||
| Average total assets | $173,189,500 | 3,361 |
| Average earning assets | $166,555,500 | 3,260 |
| Average equity | $16,249,500 | 3,659 |
| Average total loans | $78,857,000 | 3,973 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 4,824 |
| Cost of funding earning assets | 0.5439% | 3,165 |
| Net interest margin | 3.2551% | 4,823 |
| Noninterest income to average assets | 0.3656% | 4,698 |
| Noninterest expense to average assets | 2.2460% | 5,514 |
| Loan and lease loss provision to assets | 0.0598% | 3,943 |
| Net operating income to assets | 0.8990% | 2,788 |
| Return on assets (ROA) | 0.9022% | 2,850 |
| Pretax return on assets | 1.1792% | 2,658 |
| Return on Equity (ROE) | 9.6216% | 2,275 |
| Retained earnings to average equity (ytd only) | 8.9836% | 769 |
| Net charge-offs to loans | -0.0472% | 6,320 |
| Credit loss provision to net charge-offs | -270.2703% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5239% | 4,815 |
| Assets per employee ($millions) | 4.6024% | 2,715 |
| Cash dividends to net income (ytd only)* | 6.6313% | 4,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0730% | 1,388 |
| Loan loss allowance to noncurrent loans | 149.0975% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6687% | 4,232 |
| Noncurrent loans to loans | 1.3904% | 2,811 |
| Net loans and leases to total assets | 47.1011% | 5,381 |
| Net loans and leases to deposits | 52.1867% | 5,605 |
| Net loans and leases to core deposits | 55.2417% | 5,596 |
| Total domestic deposits to total assets | 90.2551% | 936 |
| Equity capital to assets | 9.5246% | 4,395 |
| Core capital (leverage) ratio | 9.7163% | 3,966 |
| Tier 1 risk-based capital ratio | 19.2368% | 1,854 |
| Total risk-based capital ratio | 20.4951% | 1,816 |
| Memoranda: | ||
| Average total assets | $167,141,800 | 3,456 |
| Average earning assets | $159,964,600 | 3,342 |
| Average equity | $15,673,000 | 3,752 |
| Average total loans | $78,429,800 | 3,992 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,952 |
| Cost of funding earning assets | 0.5793% | 3,003 |
| Net interest margin | 3.1934% | 5,023 |
| Noninterest income to average assets | 0.4107% | 4,444 |
| Noninterest expense to average assets | 2.2446% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9255% | 2,711 |
| Return on assets (ROA) | 0.9297% | 2,800 |
| Pretax return on assets | 1.2258% | 2,599 |
| Return on Equity (ROE) | 9.9533% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.9533% | 797 |
| Net charge-offs to loans | -0.0683% | 6,398 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7829% | 4,681 |
| Assets per employee ($millions) | 4.4277% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9706% | 1,796 |
| Loan loss allowance to noncurrent loans | 164.2027% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 4,346 |
| Noncurrent loans to loans | 1.2001% | 3,419 |
| Net loans and leases to total assets | 48.5301% | 5,296 |
| Net loans and leases to deposits | 54.0433% | 5,536 |
| Net loans and leases to core deposits | 56.2851% | 5,599 |
| Total domestic deposits to total assets | 89.7985% | 1,106 |
| Equity capital to assets | 9.8125% | 4,159 |
| Core capital (leverage) ratio | 9.6368% | 4,192 |
| Tier 1 risk-based capital ratio | 19.0822% | 1,964 |
| Total risk-based capital ratio | 20.3395% | 1,928 |
| Memoranda: | ||
| Average total assets | $167,505,750 | 3,488 |
| Average earning assets | $160,202,000 | 3,365 |
| Average equity | $15,646,000 | 3,803 |
| Average total loans | $78,114,250 | 4,026 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 5,216 |
| Cost of funding earning assets | 0.6130% | 2,818 |
| Net interest margin | 3.0627% | 5,386 |
| Noninterest income to average assets | 0.4489% | 4,167 |
| Noninterest expense to average assets | 2.2020% | 5,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8977% | 2,809 |
| Return on assets (ROA) | 0.8977% | 2,954 |
| Pretax return on assets | 1.1821% | 2,754 |
| Return on Equity (ROE) | 9.7650% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.7650% | 897 |
| Net charge-offs to loans | -0.1053% | 6,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0694% | 4,697 |
| Assets per employee ($millions) | 4.8251% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9694% | 1,915 |
| Loan loss allowance to noncurrent loans | 346.5479% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.3701% | 5,370 |
| Noncurrent loans to loans | 0.5683% | 4,838 |
| Net loans and leases to total assets | 45.8618% | 5,549 |
| Net loans and leases to deposits | 52.6967% | 5,626 |
| Net loans and leases to core deposits | 54.7268% | 5,693 |
| Total domestic deposits to total assets | 87.0298% | 2,802 |
| Equity capital to assets | 8.8152% | 5,428 |
| Core capital (leverage) ratio | 9.2627% | 4,606 |
| Tier 1 risk-based capital ratio | 18.2519% | 2,226 |
| Total risk-based capital ratio | 19.5087% | 2,188 |
| Memoranda: | ||
| Average total assets | $170,208,330 | 3,459 |
| Average earning assets | $163,121,670 | 3,345 |
| Average equity | $15,647,670 | 3,828 |
| Average total loans | $77,848,670 | 4,047 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 5,135 |
| Cost of funding earning assets | 0.6345% | 2,796 |
| Net interest margin | 3.0725% | 5,361 |
| Noninterest income to average assets | 0.5571% | 3,387 |
| Noninterest expense to average assets | 2.1911% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9832% | 2,302 |
| Return on assets (ROA) | 0.9832% | 2,427 |
| Pretax return on assets | 1.3133% | 2,182 |
| Return on Equity (ROE) | 10.4817% | 1,882 |
| Retained earnings to average equity (ytd only) | 10.4817% | 986 |
| Net charge-offs to loans | -0.0052% | 5,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5251% | 5,233 |
| Assets per employee ($millions) | 4.6987% | 2,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,221 |
| Loan loss allowance to noncurrent loans | 327.4298% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 5,746 |
| Noncurrent loans to loans | 0.5898% | 4,961 |
| Net loans and leases to total assets | 45.5156% | 5,488 |
| Net loans and leases to deposits | 50.7883% | 5,727 |
| Net loans and leases to core deposits | 52.5870% | 5,780 |
| Total domestic deposits to total assets | 89.6183% | 1,285 |
| Equity capital to assets | 9.5145% | 4,830 |
| Core capital (leverage) ratio | 9.0011% | 4,886 |
| Tier 1 risk-based capital ratio | 18.3658% | 2,238 |
| Total risk-based capital ratio | 19.6229% | 2,203 |
| Memoranda: | ||
| Average total assets | $170,873,000 | 3,480 |
| Average earning assets | $163,906,000 | 3,373 |
| Average equity | $16,028,000 | 3,818 |
| Average total loans | $77,269,500 | 4,087 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 5,274 |
| Cost of funding earning assets | 0.7845% | 2,787 |
| Net interest margin | 3.2234% | 5,510 |
| Noninterest income to average assets | 0.3748% | 4,797 |
| Noninterest expense to average assets | 2.3533% | 5,552 |
| Loan and lease loss provision to assets | 0.1203% | 4,119 |
| Net operating income to assets | 0.7356% | 3,579 |
| Return on assets (ROA) | 0.8687% | 3,206 |
| Pretax return on assets | 1.1658% | 2,920 |
| Return on Equity (ROE) | 9.1877% | 2,541 |
| Retained earnings to average equity (ytd only) | 6.9608% | 1,588 |
| Net charge-offs to loans | 0.0433% | 5,308 |
| Credit loss provision to net charge-offs | 625.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 57.5938% | 615 |
| Efficiency ratio | 67.9757% | 4,146 |
| Assets per employee ($millions) | 4.9312% | 2,315 |
| Cash dividends to net income (ytd only)* | 24.2382% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9926% | 2,033 |
| Loan loss allowance to noncurrent loans | 203.6290% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,414 |
| Noncurrent loans to loans | 0.9785% | 4,233 |
| Net loans and leases to total assets | 43.1750% | 5,889 |
| Net loans and leases to deposits | 51.7041% | 5,825 |
| Net loans and leases to core deposits | 53.3354% | 5,922 |
| Total domestic deposits to total assets | 83.5040% | 4,532 |
| Equity capital to assets | 9.2483% | 5,211 |
| Core capital (leverage) ratio | 8.6758% | 5,361 |
| Tier 1 risk-based capital ratio | 17.7877% | 2,343 |
| Total risk-based capital ratio | 19.0441% | 2,308 |
| Memoranda: | ||
| Average total assets | $166,233,800 | 3,516 |
| Average earning assets | $159,209,800 | 3,388 |
| Average equity | $15,716,600 | 3,823 |
| Average total loans | $73,960,600 | 4,209 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 5,347 |
| Cost of funding earning assets | 0.8105% | 2,860 |
| Net interest margin | 3.2439% | 5,569 |
| Noninterest income to average assets | 0.3199% | 5,229 |
| Noninterest expense to average assets | 2.3347% | 5,587 |
| Loan and lease loss provision to assets | 0.1620% | 3,486 |
| Net operating income to assets | 0.6941% | 3,937 |
| Return on assets (ROA) | 0.8535% | 3,446 |
| Pretax return on assets | 1.1499% | 3,160 |
| Return on Equity (ROE) | 8.9765% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.9765% | 1,239 |
| Net charge-offs to loans | 0.0799% | 4,596 |
| Credit loss provision to net charge-offs | 454.5455% | 588 |
| Earnings coverage of net charge-offs (x) | 30.7702% | 1,074 |
| Efficiency ratio | 68.0434% | 4,053 |
| Assets per employee ($millions) | 4.8957% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 2,023 |
| Loan loss allowance to noncurrent loans | 293.5547% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 5,321 |
| Noncurrent loans to loans | 0.6999% | 5,034 |
| Net loans and leases to total assets | 41.8159% | 6,145 |
| Net loans and leases to deposits | 52.2431% | 5,960 |
| Net loans and leases to core deposits | 54.1056% | 6,040 |
| Total domestic deposits to total assets | 80.0410% | 5,640 |
| Equity capital to assets | 9.5459% | 5,147 |
| Core capital (leverage) ratio | 9.1072% | 4,905 |
| Tier 1 risk-based capital ratio | 18.2952% | 2,234 |
| Total risk-based capital ratio | 19.5504% | 2,204 |
| Memoranda: | ||
| Average total assets | $164,644,000 | 3,573 |
| Average earning assets | $157,914,750 | 3,449 |
| Average equity | $15,655,250 | 3,871 |
| Average total loans | $73,442,750 | 4,278 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 5,277 |
| Cost of funding earning assets | 0.8417% | 2,867 |
| Net interest margin | 3.2705% | 5,531 |
| Noninterest income to average assets | 0.3214% | 5,253 |
| Noninterest expense to average assets | 2.3262% | 5,669 |
| Loan and lease loss provision to assets | 0.2463% | 2,597 |
| Net operating income to assets | 0.6526% | 4,095 |
| Return on assets (ROA) | 0.8522% | 3,403 |
| Pretax return on assets | 1.1576% | 3,088 |
| Return on Equity (ROE) | 8.9746% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.9746% | 1,288 |
| Net charge-offs to loans | 0.1632% | 3,629 |
| Credit loss provision to net charge-offs | 333.3333% | 881 |
| Earnings coverage of net charge-offs (x) | 15.3500% | 1,649 |
| Efficiency ratio | 67.2242% | 4,285 |
| Assets per employee ($millions) | 4.6267% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0533% | 2,106 |
| Loan loss allowance to noncurrent loans | 386.2338% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.4953% | 5,520 |
| Noncurrent loans to loans | 0.5316% | 5,459 |
| Net loans and leases to total assets | 43.8031% | 6,031 |
| Net loans and leases to deposits | 50.7843% | 6,128 |
| Net loans and leases to core deposits | 52.2407% | 6,216 |
| Total domestic deposits to total assets | 86.2532% | 3,219 |
| Equity capital to assets | 9.6730% | 4,790 |
| Core capital (leverage) ratio | 8.9310% | 5,008 |
| Tier 1 risk-based capital ratio | 18.3931% | 2,161 |
| Total risk-based capital ratio | 19.6511% | 2,123 |
| Memoranda: | ||
| Average total assets | $162,408,330 | 3,623 |
| Average earning assets | $155,878,330 | 3,499 |
| Average equity | $15,421,330 | 3,906 |
| Average total loans | $73,538,670 | 4,295 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 5,207 |
| Cost of funding earning assets | 0.8500% | 3,065 |
| Net interest margin | 3.3206% | 5,403 |
| Noninterest income to average assets | 0.3246% | 5,272 |
| Noninterest expense to average assets | 2.3265% | 5,703 |
| Loan and lease loss provision to assets | 0.1230% | 3,802 |
| Net operating income to assets | 0.7784% | 3,485 |
| Return on assets (ROA) | 0.8682% | 3,288 |
| Pretax return on assets | 1.1879% | 2,955 |
| Return on Equity (ROE) | 9.2288% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.2288% | 1,505 |
| Net charge-offs to loans | -0.1350% | 6,888 |
| Credit loss provision to net charge-offs | -200.0000% | 5,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2001% | 4,521 |
| Assets per employee ($millions) | 4.6952% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 2,585 |
| Loan loss allowance to noncurrent loans | 276.6537% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 5,962 |
| Noncurrent loans to loans | 0.6981% | 5,268 |
| Net loans and leases to total assets | 43.9373% | 6,020 |
| Net loans and leases to deposits | 51.1846% | 6,053 |
| Net loans and leases to core deposits | 52.4266% | 6,169 |
| Total domestic deposits to total assets | 85.8409% | 3,621 |
| Equity capital to assets | 9.4273% | 4,906 |
| Core capital (leverage) ratio | 8.7411% | 5,226 |
| Tier 1 risk-based capital ratio | 18.1671% | 2,231 |
| Total risk-based capital ratio | 19.4239% | 2,205 |
| Memoranda: | ||
| Average total assets | $162,644,500 | 3,642 |
| Average earning assets | $156,238,500 | 3,508 |
| Average equity | $15,300,000 | 3,935 |
| Average total loans | $74,098,000 | 4,315 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 5,403 |
| Cost of funding earning assets | 0.9913% | 3,439 |
| Net interest margin | 3.4142% | 5,441 |
| Noninterest income to average assets | 0.3429% | 5,075 |
| Noninterest expense to average assets | 2.4182% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8780% | 2,704 |
| Return on assets (ROA) | 0.9524% | 2,527 |
| Pretax return on assets | 1.3024% | 2,120 |
| Return on Equity (ROE) | 10.0517% | 2,042 |
| Retained earnings to average equity (ytd only) | 4.2592% | 3,155 |
| Net charge-offs to loans | 0.0680% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 38.7292% | 693 |
| Efficiency ratio | 66.8273% | 4,605 |
| Assets per employee ($millions) | 4.5988% | 2,758 |
| Cash dividends to net income (ytd only)* | 57.6271% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8063% | 2,849 |
| Loan loss allowance to noncurrent loans | 319.9525% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 6,180 |
| Noncurrent loans to loans | 0.5646% | 5,586 |
| Net loans and leases to total assets | 45.4929% | 6,056 |
| Net loans and leases to deposits | 54.5572% | 6,018 |
| Net loans and leases to core deposits | 55.8459% | 6,167 |
| Total domestic deposits to total assets | 83.3856% | 4,596 |
| Equity capital to assets | 9.3864% | 5,038 |
| Core capital (leverage) ratio | 9.0735% | 4,661 |
| Tier 1 risk-based capital ratio | 17.5332% | 2,369 |
| Total risk-based capital ratio | 18.7885% | 2,335 |
| Memoranda: | ||
| Average total assets | $154,866,000 | 3,720 |
| Average earning assets | $148,586,000 | 3,592 |
| Average equity | $14,674,200 | 3,975 |
| Average total loans | $70,552,000 | 4,471 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4443% | 5,449 |
| Cost of funding earning assets | 1.0469% | 3,337 |
| Net interest margin | 3.3974% | 5,587 |
| Noninterest income to average assets | 0.3443% | 5,108 |
| Noninterest expense to average assets | 2.4720% | 5,557 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8327% | 3,009 |
| Return on assets (ROA) | 0.9408% | 2,731 |
| Pretax return on assets | 1.2773% | 2,370 |
| Return on Equity (ROE) | 9.9043% | 2,231 |
| Retained earnings to average equity (ytd only) | 6.7005% | 2,135 |
| Net charge-offs to loans | -0.1112% | 7,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6052% | 4,196 |
| Assets per employee ($millions) | 4.4243% | 3,041 |
| Cash dividends to net income (ytd only)* | 32.3479% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9835% | 2,379 |
| Loan loss allowance to noncurrent loans | 285.4617% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 6,104 |
| Noncurrent loans to loans | 0.6948% | 5,497 |
| Net loans and leases to total assets | 46.3684% | 6,109 |
| Net loans and leases to deposits | 55.3875% | 6,085 |
| Net loans and leases to core deposits | 56.7404% | 6,249 |
| Total domestic deposits to total assets | 83.7164% | 4,366 |
| Equity capital to assets | 9.8948% | 4,486 |
| Core capital (leverage) ratio | 9.1755% | 4,665 |
| Tier 1 risk-based capital ratio | 18.0044% | 2,252 |
| Total risk-based capital ratio | 19.2615% | 2,207 |
| Memoranda: | ||
| Average total assets | $153,343,250 | 3,768 |
| Average earning assets | $147,090,750 | 3,647 |
| Average equity | $14,565,750 | 4,016 |
| Average total loans | $69,547,250 | 4,545 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 5,674 |
| Cost of funding earning assets | 1.1225% | 3,087 |
| Net interest margin | 3.2830% | 5,911 |
| Noninterest income to average assets | 0.3389% | 5,173 |
| Noninterest expense to average assets | 2.3397% | 6,029 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8627% | 2,811 |
| Return on assets (ROA) | 0.8636% | 2,890 |
| Pretax return on assets | 1.1502% | 2,667 |
| Return on Equity (ROE) | 9.2220% | 2,425 |
| Retained earnings to average equity (ytd only) | 8.5233% | 1,260 |
| Net charge-offs to loans | -0.1552% | 7,259 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0668% | 4,690 |
| Assets per employee ($millions) | 4.6099% | 2,673 |
| Cash dividends to net income (ytd only)* | 7.5758% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0547% | 2,224 |
| Loan loss allowance to noncurrent loans | 306.7797% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 6,235 |
| Noncurrent loans to loans | 0.6698% | 5,568 |
| Net loans and leases to total assets | 44.0393% | 6,436 |
| Net loans and leases to deposits | 52.2774% | 6,447 |
| Net loans and leases to core deposits | 53.9452% | 6,560 |
| Total domestic deposits to total assets | 84.2416% | 4,236 |
| Equity capital to assets | 9.5984% | 4,660 |
| Core capital (leverage) ratio | 8.9196% | 4,847 |
| Tier 1 risk-based capital ratio | 18.0240% | 2,164 |
| Total risk-based capital ratio | 19.2820% | 2,121 |
| Memoranda: | ||
| Average total assets | $152,841,330 | 3,806 |
| Average earning assets | $146,632,670 | 3,675 |
| Average equity | $14,313,670 | 4,059 |
| Average total loans | $68,311,670 | 4,636 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3085% | 5,996 |
| Cost of funding earning assets | 1.1884% | 2,893 |
| Net interest margin | 3.1202% | 6,293 |
| Noninterest income to average assets | 0.3420% | 5,179 |
| Noninterest expense to average assets | 2.3619% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7475% | 3,288 |
| Return on assets (ROA) | 0.7475% | 3,352 |
| Pretax return on assets | 0.9729% | 3,243 |
| Return on Equity (ROE) | 8.0869% | 2,870 |
| Retained earnings to average equity (ytd only) | 6.6530% | 2,303 |
| Net charge-offs to loans | -0.0357% | 6,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8267% | 4,094 |
| Assets per employee ($millions) | 4.6372% | 2,679 |
| Cash dividends to net income (ytd only)* | 17.7305% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 2,308 |
| Loan loss allowance to noncurrent loans | 156.5363% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 5,513 |
| Noncurrent loans to loans | 1.3040% | 4,520 |
| Net loans and leases to total assets | 43.9367% | 6,477 |
| Net loans and leases to deposits | 51.6279% | 6,505 |
| Net loans and leases to core deposits | 53.2909% | 6,602 |
| Total domestic deposits to total assets | 85.1026% | 3,986 |
| Equity capital to assets | 9.3075% | 4,713 |
| Core capital (leverage) ratio | 8.7519% | 4,995 |
| Tier 1 risk-based capital ratio | 17.8737% | 2,157 |
| Total risk-based capital ratio | 19.1309% | 2,127 |
| Memoranda: | ||
| Average total assets | $150,894,500 | 3,865 |
| Average earning assets | $144,736,000 | 3,736 |
| Average equity | $13,948,500 | 4,120 |
| Average total loans | $67,231,000 | 4,718 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6679% | 5,903 |
| Cost of funding earning assets | 1.3418% | 3,635 |
| Net interest margin | 3.3261% | 5,887 |
| Noninterest income to average assets | 0.3907% | 4,970 |
| Noninterest expense to average assets | 2.5643% | 5,564 |
| Loan and lease loss provision to assets | 0.1779% | 5,443 |
| Net operating income to assets | 0.6282% | 3,544 |
| Return on assets (ROA) | 0.8374% | 2,784 |
| Pretax return on assets | 1.0796% | 2,663 |
| Return on Equity (ROE) | 8.9695% | 2,299 |
| Retained earnings to average equity (ytd only) | 8.9695% | 709 |
| Net charge-offs to loans | 0.5562% | 3,394 |
| Credit loss provision to net charge-offs | 71.2329% | 5,829 |
| Earnings coverage of net charge-offs (x) | 3.9616% | 3,120 |
| Efficiency ratio | 72.1602% | 3,764 |
| Assets per employee ($millions) | 4.3754% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 2,028 |
| Loan loss allowance to noncurrent loans | 148.4043% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.7704% | 5,475 |
| Noncurrent loans to loans | 1.4280% | 4,348 |
| Net loans and leases to total assets | 43.3115% | 6,765 |
| Net loans and leases to deposits | 50.8994% | 6,809 |
| Net loans and leases to core deposits | 52.2051% | 6,899 |
| Total domestic deposits to total assets | 85.0923% | 3,801 |
| Equity capital to assets | 9.1784% | 4,871 |
| Core capital (leverage) ratio | 8.9863% | 4,576 |
| Tier 1 risk-based capital ratio | 17.9262% | 2,022 |
| Total risk-based capital ratio | 19.1836% | 1,983 |
| Memoranda: | ||
| Average total assets | $146,161,800 | 3,944 |
| Average earning assets | $138,991,200 | 3,838 |
| Average equity | $13,646,200 | 4,225 |
| Average total loans | $65,625,200 | 4,840 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 5,861 |
| Cost of funding earning assets | 1.4053% | 3,551 |
| Net interest margin | 3.3429% | 5,870 |
| Noninterest income to average assets | 0.4050% | 4,921 |
| Noninterest expense to average assets | 2.5931% | 5,353 |
| Loan and lease loss provision to assets | 0.0458% | 6,635 |
| Net operating income to assets | 0.7306% | 3,281 |
| Return on assets (ROA) | 0.8292% | 3,023 |
| Pretax return on assets | 1.0638% | 2,956 |
| Return on Equity (ROE) | 8.8436% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8436% | 1,104 |
| Net charge-offs to loans | 0.7381% | 2,576 |
| Credit loss provision to net charge-offs | 13.7741% | 6,303 |
| Earnings coverage of net charge-offs (x) | 2.9559% | 3,651 |
| Efficiency ratio | 72.5083% | 3,608 |
| Assets per employee ($millions) | 4.3270% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8609% | 2,594 |
| Loan loss allowance to noncurrent loans | 120.8758% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 5,533 |
| Noncurrent loans to loans | 1.5395% | 4,329 |
| Net loans and leases to total assets | 42.5502% | 6,947 |
| Net loans and leases to deposits | 52.1980% | 6,886 |
| Net loans and leases to core deposits | 53.7238% | 6,970 |
| Total domestic deposits to total assets | 81.5169% | 5,196 |
| Equity capital to assets | 9.6983% | 4,548 |
| Core capital (leverage) ratio | 8.7950% | 5,024 |
| Tier 1 risk-based capital ratio | 17.7228% | 2,100 |
| Total risk-based capital ratio | 18.9772% | 2,068 |
| Memoranda: | ||
| Average total assets | $145,511,750 | 4,015 |
| Average earning assets | $138,042,250 | 3,904 |
| Average equity | $13,644,250 | 4,288 |
| Average total loans | $65,575,000 | 4,919 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 5,992 |
| Cost of funding earning assets | 1.4688% | 3,437 |
| Net interest margin | 3.2763% | 6,088 |
| Noninterest income to average assets | 0.4042% | 4,880 |
| Noninterest expense to average assets | 2.5839% | 5,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7383% | 3,246 |
| Return on assets (ROA) | 0.7615% | 3,299 |
| Pretax return on assets | 0.9574% | 3,286 |
| Return on Equity (ROE) | 8.2165% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.2165% | 1,369 |
| Net charge-offs to loans | 0.5864% | 2,772 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.4691% | 3,313 |
| Efficiency ratio | 73.5664% | 3,550 |
| Assets per employee ($millions) | 4.2669% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0087% | 2,151 |
| Loan loss allowance to noncurrent loans | 76.6882% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2545% | 4,641 |
| Noncurrent loans to loans | 2.6193% | 3,022 |
| Net loans and leases to total assets | 43.9163% | 6,928 |
| Net loans and leases to deposits | 52.0923% | 6,972 |
| Net loans and leases to core deposits | 53.7609% | 7,053 |
| Total domestic deposits to total assets | 84.3048% | 3,958 |
| Equity capital to assets | 9.6046% | 4,543 |
| Core capital (leverage) ratio | 8.3973% | 5,586 |
| Tier 1 risk-based capital ratio | 17.1162% | 2,229 |
| Total risk-based capital ratio | 18.3727% | 2,187 |
| Memoranda: | ||
| Average total assets | $144,976,330 | 4,050 |
| Average earning assets | $137,531,330 | 3,943 |
| Average equity | $13,436,330 | 4,341 |
| Average total loans | $66,171,330 | 4,934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 5,335 |
| Cost of funding earning assets | 1.5140% | 3,465 |
| Net interest margin | 3.4102% | 5,540 |
| Noninterest income to average assets | 0.4057% | 4,871 |
| Noninterest expense to average assets | 2.6331% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7949% | 2,989 |
| Return on assets (ROA) | 0.7949% | 3,098 |
| Pretax return on assets | 0.9991% | 3,095 |
| Return on Equity (ROE) | 8.7355% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.7355% | 1,471 |
| Net charge-offs to loans | 0.6652% | 2,158 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.2613% | 2,962 |
| Efficiency ratio | 72.4924% | 3,845 |
| Assets per employee ($millions) | 4.4573% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1233% | 1,906 |
| Loan loss allowance to noncurrent loans | 84.2329% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 1.2006% | 4,773 |
| Noncurrent loans to loans | 2.5208% | 3,156 |
| Net loans and leases to total assets | 43.5298% | 7,032 |
| Net loans and leases to deposits | 51.2363% | 7,068 |
| Net loans and leases to core deposits | 52.9157% | 7,160 |
| Total domestic deposits to total assets | 84.9589% | 3,694 |
| Equity capital to assets | 9.0944% | 5,145 |
| Core capital (leverage) ratio | 8.2159% | 5,886 |
| Tier 1 risk-based capital ratio | 16.6437% | 2,392 |
| Total risk-based capital ratio | 17.9012% | 2,344 |
| Memoranda: | ||
| Average total assets | $144,926,500 | 4,115 |
| Average earning assets | $137,116,500 | 4,012 |
| Average equity | $13,187,500 | 4,435 |
| Average total loans | $66,748,000 | 4,981 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2557% | 5,385 |
| Cost of funding earning assets | 2.0544% | 2,702 |
| Net interest margin | 3.2014% | 6,090 |
| Noninterest income to average assets | 0.4232% | 5,026 |
| Noninterest expense to average assets | 2.6097% | 5,763 |
| Loan and lease loss provision to assets | 0.2092% | 5,669 |
| Net operating income to assets | 0.5094% | 3,688 |
| Return on assets (ROA) | 0.8443% | 2,456 |
| Pretax return on assets | 1.0737% | 2,328 |
| Return on Equity (ROE) | 9.7189% | 1,774 |
| Retained earnings to average equity (ytd only) | 8.9164% | 508 |
| Net charge-offs to loans | 0.0781% | 6,327 |
| Credit loss provision to net charge-offs | 576.9231% | 523 |
| Earnings coverage of net charge-offs (x) | 23.6923% | 928 |
| Efficiency ratio | 75.2362% | 3,664 |
| Assets per employee ($millions) | 4.6053% | 2,757 |
| Cash dividends to net income (ytd only)* | 8.2576% | 3,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 1,649 |
| Loan loss allowance to noncurrent loans | 107.0664% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0633% | 4,968 |
| Noncurrent loans to loans | 2.0579% | 3,577 |
| Net loans and leases to total assets | 46.6360% | 6,928 |
| Net loans and leases to deposits | 55.0208% | 6,984 |
| Net loans and leases to core deposits | 64.2921% | 7,073 |
| Total domestic deposits to total assets | 84.7608% | 3,678 |
| Equity capital to assets | 9.1046% | 4,981 |
| Core capital (leverage) ratio | 8.3030% | 5,609 |
| Tier 1 risk-based capital ratio | 16.0367% | 2,508 |
| Total risk-based capital ratio | 17.2962% | 2,431 |
| Memoranda: | ||
| Average total assets | $143,425,600 | 4,052 |
| Average earning assets | $136,441,400 | 3,971 |
| Average equity | $12,460,200 | 4,643 |
| Average total loans | $66,568,800 | 4,999 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2696% | 5,571 |
| Cost of funding earning assets | 2.2143% | 2,341 |
| Net interest margin | 3.0554% | 6,444 |
| Noninterest income to average assets | 0.4206% | 5,128 |
| Noninterest expense to average assets | 2.6083% | 5,688 |
| Loan and lease loss provision to assets | 0.0464% | 6,908 |
| Net operating income to assets | 0.5259% | 3,878 |
| Return on assets (ROA) | 0.8877% | 2,543 |
| Pretax return on assets | 1.1467% | 2,424 |
| Return on Equity (ROE) | 10.3412% | 1,803 |
| Retained earnings to average equity (ytd only) | 9.8004% | 673 |
| Net charge-offs to loans | 0.0222% | 6,586 |
| Credit loss provision to net charge-offs | 454.5455% | 865 |
| Earnings coverage of net charge-offs (x) | 70.8003% | 478 |
| Efficiency ratio | 78.2887% | 3,119 |
| Assets per employee ($millions) | 4.5289% | 2,819 |
| Cash dividends to net income (ytd only)* | 5.2305% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8663% | 2,113 |
| Loan loss allowance to noncurrent loans | 113.9453% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 5,418 |
| Noncurrent loans to loans | 1.6379% | 4,190 |
| Net loans and leases to total assets | 45.4200% | 7,146 |
| Net loans and leases to deposits | 57.4133% | 6,999 |
| Net loans and leases to core deposits | 66.4851% | 7,138 |
| Total domestic deposits to total assets | 79.1106% | 5,762 |
| Equity capital to assets | 8.7532% | 5,877 |
| Core capital (leverage) ratio | 8.1176% | 6,156 |
| Tier 1 risk-based capital ratio | 15.5457% | 2,798 |
| Total risk-based capital ratio | 16.8129% | 2,725 |
| Memoranda: | ||
| Average total assets | $143,591,250 | 4,076 |
| Average earning assets | $136,805,250 | 3,990 |
| Average equity | $12,325,750 | 4,708 |
| Average total loans | $66,191,250 | 5,056 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 5,241 |
| Cost of funding earning assets | 2.4048% | 1,954 |
| Net interest margin | 2.9752% | 6,623 |
| Noninterest income to average assets | 0.4208% | 5,114 |
| Noninterest expense to average assets | 2.6151% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4822% | 4,163 |
| Return on assets (ROA) | 1.0181% | 2,133 |
| Pretax return on assets | 1.3485% | 1,880 |
| Return on Equity (ROE) | 11.9433% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.1151% | 544 |
| Net charge-offs to loans | -0.0245% | 7,734 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4867% | 2,964 |
| Assets per employee ($millions) | 4.2279% | 3,239 |
| Cash dividends to net income (ytd only)* | 6.9348% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 1,943 |
| Loan loss allowance to noncurrent loans | 127.6596% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7680% | 5,477 |
| Noncurrent loans to loans | 1.4421% | 4,334 |
| Net loans and leases to total assets | 46.7346% | 7,144 |
| Net loans and leases to deposits | 56.6646% | 7,116 |
| Net loans and leases to core deposits | 64.4280% | 7,280 |
| Total domestic deposits to total assets | 82.4758% | 4,494 |
| Equity capital to assets | 8.4793% | 6,080 |
| Core capital (leverage) ratio | 8.0400% | 6,254 |
| Tier 1 risk-based capital ratio | 15.6567% | 2,746 |
| Total risk-based capital ratio | 16.9114% | 2,677 |
| Memoranda: | ||
| Average total assets | $141,637,000 | 4,145 |
| Average earning assets | $134,645,670 | 4,056 |
| Average equity | $12,073,670 | 4,795 |
| Average total loans | $65,197,330 | 5,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 5,098 |
| Cost of funding earning assets | 2.5088% | 1,888 |
| Net interest margin | 2.9554% | 6,598 |
| Noninterest income to average assets | 0.4097% | 5,137 |
| Noninterest expense to average assets | 2.5779% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4587% | 4,621 |
| Return on assets (ROA) | 1.4625% | 1,084 |
| Pretax return on assets | 2.0316% | 631 |
| Return on Equity (ROE) | 17.1105% | 675 |
| Retained earnings to average equity (ytd only) | 15.4461% | 373 |
| Net charge-offs to loans | -0.0629% | 7,765 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1770% | 2,788 |
| Assets per employee ($millions) | 4.1817% | 3,290 |
| Cash dividends to net income (ytd only)* | 9.7276% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9659% | 1,488 |
| Loan loss allowance to noncurrent loans | 206.5466% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 5,933 |
| Noncurrent loans to loans | 0.9518% | 5,094 |
| Net loans and leases to total assets | 44.2628% | 7,315 |
| Net loans and leases to deposits | 51.9112% | 7,406 |
| Net loans and leases to core deposits | 57.6512% | 7,540 |
| Total domestic deposits to total assets | 85.2664% | 3,080 |
| Equity capital to assets | 8.4858% | 6,093 |
| Core capital (leverage) ratio | 7.9181% | 6,589 |
| Tier 1 risk-based capital ratio | 16.1708% | 2,627 |
| Total risk-based capital ratio | 17.4278% | 2,567 |
| Memoranda: | ||
| Average total assets | $140,580,500 | 4,178 |
| Average earning assets | $133,449,000 | 4,081 |
| Average equity | $12,016,000 | 4,829 |
| Average total loans | $63,575,500 | 5,227 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9302% | 5,898 |
| Cost of funding earning assets | 2.7330% | 3,008 |
| Net interest margin | 3.1972% | 6,374 |
| Noninterest income to average assets | 0.5843% | 3,979 |
| Noninterest expense to average assets | 2.7565% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6597% | 4,068 |
| Return on assets (ROA) | 0.7599% | 3,459 |
| Pretax return on assets | 0.9611% | 3,519 |
| Return on Equity (ROE) | 9.1458% | 2,593 |
| Retained earnings to average equity (ytd only) | 8.5870% | 680 |
| Net charge-offs to loans | 0.0829% | 5,579 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 21.5600% | 1,526 |
| Efficiency ratio | 76.7672% | 3,109 |
| Assets per employee ($millions) | 4.0877% | 3,327 |
| Cash dividends to net income (ytd only)* | 6.1100% | 4,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9887% | 1,246 |
| Loan loss allowance to noncurrent loans | 182.2416% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 5,448 |
| Noncurrent loans to loans | 1.0912% | 4,374 |
| Net loans and leases to total assets | 44.3975% | 7,444 |
| Net loans and leases to deposits | 54.6188% | 7,402 |
| Net loans and leases to core deposits | 60.6563% | 7,557 |
| Total domestic deposits to total assets | 81.2862% | 4,520 |
| Equity capital to assets | 8.6104% | 5,921 |
| Core capital (leverage) ratio | 8.3353% | 5,879 |
| Tier 1 risk-based capital ratio | 15.5194% | 2,842 |
| Total risk-based capital ratio | 16.7756% | 2,770 |
| Memoranda: | ||
| Average total assets | $129,223,800 | 4,300 |
| Average earning assets | $121,514,000 | 4,223 |
| Average equity | $10,737,200 | 5,203 |
| Average total loans | $60,349,400 | 5,248 |