Home > First National Bank of Pasco > Performance and Condition Ratios
First National Bank of Pasco, 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 | 5.5896% | 1,906 |
| Cost of funding earning assets | 2.0952% | 1,671 |
| Net interest margin | 3.4944% | 2,328 |
| Noninterest income to average assets | 0.7700% | 867 |
| Noninterest expense to average assets | 3.8299% | 430 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1434% | 4,036 |
| Return on assets (ROA) | 0.1434% | 4,066 |
| Pretax return on assets | 0.1511% | 4,075 |
| Return on Equity (ROE) | 2.5600% | 3,927 |
| Retained earnings to average equity (ytd only) | 2.5632% | 3,194 |
| Net charge-offs to loans | 0.0084% | 1,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 29.7500% | 1,246 |
| Efficiency ratio | 96.2054% | 329 |
| Assets per employee ($millions) | 5.4999% | 3,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,082 |
| Loan loss allowance to noncurrent loans | 1,982.6389% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 3,367 |
| Noncurrent loans to loans | 0.0744% | 3,296 |
| Net loans and leases to total assets | 59.7600% | 2,898 |
| Net loans and leases to deposits | 69.9925% | 2,865 |
| Net loans and leases to core deposits | 78.0325% | 2,816 |
| Total domestic deposits to total assets | 85.3800% | 2,522 |
| Equity capital to assets | 5.6985% | 4,294 |
| Core capital (leverage) ratio | 9.1824% | 3,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $315,100,000 | 2,413 |
| Average earning assets | $289,610,000 | 2,424 |
| Average equity | $17,634,500 | 3,175 |
| Average total loans | $191,532,500 | 2,467 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 1,947 |
| Cost of funding earning assets | 2.1749% | 1,802 |
| Net interest margin | 3.4241% | 2,239 |
| Noninterest income to average assets | 0.7000% | 1,176 |
| Noninterest expense to average assets | 3.6326% | 500 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1882% | 3,988 |
| Return on assets (ROA) | 0.1882% | 4,018 |
| Pretax return on assets | 0.2216% | 4,013 |
| Return on Equity (ROE) | 3.4000% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.3958% | 2,869 |
| Net charge-offs to loans | 0.0380% | 1,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 9.5972% | 2,312 |
| Efficiency ratio | 94.2512% | 380 |
| Assets per employee ($millions) | 5.3656% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 990 |
| Loan loss allowance to noncurrent loans | 2,529.2035% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 3,421 |
| Noncurrent loans to loans | 0.0596% | 3,346 |
| Net loans and leases to total assets | 60.0000% | 2,937 |
| Net loans and leases to deposits | 70.3601% | 2,925 |
| Net loans and leases to core deposits | 83.3033% | 2,545 |
| Total domestic deposits to total assets | 85.2700% | 2,438 |
| Equity capital to assets | 5.4919% | 4,284 |
| Core capital (leverage) ratio | 9.2645% | 3,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $311,874,400 | 2,408 |
| Average earning assets | $287,553,800 | 2,411 |
| Average equity | $17,286,200 | 3,162 |
| Average total loans | $189,689,000 | 2,444 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6175% | 1,868 |
| Cost of funding earning assets | 2.1630% | 1,825 |
| Net interest margin | 3.4545% | 2,126 |
| Noninterest income to average assets | 0.6700% | 1,244 |
| Noninterest expense to average assets | 3.5541% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.2384% | 3,945 |
| Return on assets (ROA) | 0.2384% | 3,975 |
| Pretax return on assets | 0.3034% | 3,942 |
| Return on Equity (ROE) | 4.2900% | 3,673 |
| Retained earnings to average equity (ytd only) | 4.2918% | 2,735 |
| Net charge-offs to loans | 0.0506% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 9.8611% | 2,143 |
| Efficiency ratio | 92.1356% | 453 |
| Assets per employee ($millions) | 5.4392% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 1,106 |
| Loan loss allowance to noncurrent loans | 3,323.2558% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,569 |
| Noncurrent loans to loans | 0.0446% | 3,488 |
| Net loans and leases to total assets | 59.2500% | 2,986 |
| Net loans and leases to deposits | 69.7494% | 3,006 |
| Net loans and leases to core deposits | 79.8134% | 2,821 |
| Total domestic deposits to total assets | 84.9500% | 2,313 |
| Equity capital to assets | 5.9882% | 4,340 |
| Core capital (leverage) ratio | 9.3555% | 3,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $312,041,500 | 2,398 |
| Average earning assets | $287,500,250 | 2,414 |
| Average equity | $17,335,000 | 3,157 |
| Average total loans | $189,716,500 | 2,438 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5660% | 1,850 |
| Cost of funding earning assets | 2.1898% | 1,670 |
| Net interest margin | 3.3762% | 2,232 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 3.6365% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.0932% | 4,135 |
| Return on assets (ROA) | 0.0932% | 4,161 |
| Pretax return on assets | 0.1818% | 4,085 |
| Return on Equity (ROE) | 1.7200% | 4,057 |
| Retained earnings to average equity (ytd only) | 1.7238% | 3,426 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 95.2381% | 400 |
| Assets per employee ($millions) | 5.5137% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,032 |
| Loan loss allowance to noncurrent loans | 1,140.0778% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,087 |
| Noncurrent loans to loans | 0.1326% | 2,983 |
| Net loans and leases to total assets | 60.7400% | 2,886 |
| Net loans and leases to deposits | 64.7897% | 3,316 |
| Net loans and leases to core deposits | 73.5526% | 3,187 |
| Total domestic deposits to total assets | 93.7500% | 102 |
| Equity capital to assets | 5.3633% | 4,324 |
| Core capital (leverage) ratio | 9.8038% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $309,084,667 | 2,402 |
| Average earning assets | $287,422,667 | 2,398 |
| Average equity | $16,707,667 | 3,186 |
| Average total loans | $188,618,333 | 2,442 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 1,635 |
| Cost of funding earning assets | 2.2267% | 1,495 |
| Net interest margin | 3.3695% | 2,186 |
| Noninterest income to average assets | 0.6300% | 1,253 |
| Noninterest expense to average assets | 3.4520% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2140% | 3,955 |
| Return on assets (ROA) | 0.2140% | 3,991 |
| Pretax return on assets | 0.3171% | 3,896 |
| Return on Equity (ROE) | 3.9400% | 3,686 |
| Retained earnings to average equity (ytd only) | 3.9438% | 2,728 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 91.5859% | 528 |
| Assets per employee ($millions) | 5.4613% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 911 |
| Loan loss allowance to noncurrent loans | 1,225.9414% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 3,126 |
| Noncurrent loans to loans | 0.1280% | 2,972 |
| Net loans and leases to total assets | 60.0800% | 2,848 |
| Net loans and leases to deposits | 63.9486% | 3,302 |
| Net loans and leases to core deposits | 72.4869% | 3,190 |
| Total domestic deposits to total assets | 93.9600% | 125 |
| Equity capital to assets | 5.3898% | 4,322 |
| Core capital (leverage) ratio | 9.1314% | 3,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $306,485,500 | 2,421 |
| Average earning assets | $285,620,500 | 2,414 |
| Average equity | $16,633,500 | 3,201 |
| Average total loans | $186,018,500 | 2,451 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 2,141 |
| Cost of funding earning assets | 1.3930% | 2,245 |
| Net interest margin | 3.5729% | 2,021 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.8301% | 418 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0851% | 4,266 |
| Return on assets (ROA) | 0.0851% | 4,290 |
| Pretax return on assets | 0.1116% | 4,269 |
| Return on Equity (ROE) | 1.5400% | 4,206 |
| Retained earnings to average equity (ytd only) | -4.6547% | 4,382 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 97.1687% | 233 |
| Assets per employee ($millions) | 5.6877% | 3,087 |
| Cash dividends to net income (ytd only)* | 401.9920% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5808% | 871 |
| Loan loss allowance to noncurrent loans | 1,246.8085% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,039 |
| Noncurrent loans to loans | 0.1268% | 2,886 |
| Net loans and leases to total assets | 59.3900% | 2,898 |
| Net loans and leases to deposits | 63.3833% | 3,324 |
| Net loans and leases to core deposits | 71.5386% | 3,219 |
| Total domestic deposits to total assets | 93.7000% | 126 |
| Equity capital to assets | 5.4644% | 4,343 |
| Core capital (leverage) ratio | 9.2150% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $294,794,400 | 2,447 |
| Average earning assets | $272,723,200 | 2,447 |
| Average equity | $16,284,600 | 3,157 |
| Average total loans | $180,015,200 | 2,446 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 1,939 |
| Cost of funding earning assets | 1.2814% | 2,192 |
| Net interest margin | 3.6729% | 1,835 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 3.8480% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1056% | 4,314 |
| Return on assets (ROA) | 0.1056% | 4,334 |
| Pretax return on assets | 0.1412% | 4,313 |
| Return on Equity (ROE) | 1.9100% | 4,204 |
| Retained earnings to average equity (ytd only) | -1.8811% | 4,312 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.4597% | 226 |
| Assets per employee ($millions) | 5.4832% | 3,192 |
| Cash dividends to net income (ytd only)* | 198.7013% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 810 |
| Loan loss allowance to noncurrent loans | 957.5163% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,883 |
| Noncurrent loans to loans | 0.1709% | 2,682 |
| Net loans and leases to total assets | 59.4700% | 2,895 |
| Net loans and leases to deposits | 63.0155% | 3,328 |
| Net loans and leases to core deposits | 71.6609% | 3,118 |
| Total domestic deposits to total assets | 94.3700% | 157 |
| Equity capital to assets | 4.8664% | 4,273 |
| Core capital (leverage) ratio | 9.6595% | 3,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $291,709,000 | 2,466 |
| Average earning assets | $269,278,000 | 2,468 |
| Average equity | $16,160,000 | 3,152 |
| Average total loans | $178,682,250 | 2,463 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7915% | 2,012 |
| Cost of funding earning assets | 1.1159% | 2,228 |
| Net interest margin | 3.6756% | 1,863 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 3.7857% | 408 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0379% | 4,397 |
| Return on assets (ROA) | 0.0379% | 4,429 |
| Pretax return on assets | 0.0896% | 4,402 |
| Return on Equity (ROE) | 0.6600% | 4,396 |
| Retained earnings to average equity (ytd only) | -2.2337% | 4,299 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.6885% | 201 |
| Assets per employee ($millions) | 5.3982% | 3,234 |
| Cash dividends to net income (ytd only)* | 440.0000% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 876 |
| Loan loss allowance to noncurrent loans | 658.4270% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 2,461 |
| Noncurrent loans to loans | 0.2478% | 2,270 |
| Net loans and leases to total assets | 61.7500% | 2,596 |
| Net loans and leases to deposits | 69.2134% | 2,841 |
| Net loans and leases to core deposits | 79.5052% | 2,505 |
| Total domestic deposits to total assets | 89.2200% | 1,166 |
| Equity capital to assets | 5.7290% | 4,225 |
| Core capital (leverage) ratio | 9.7222% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $290,248,000 | 2,485 |
| Average earning assets | $266,680,333 | 2,491 |
| Average equity | $16,743,667 | 3,123 |
| Average total loans | $178,571,000 | 2,459 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,983 |
| Cost of funding earning assets | 0.6185% | 3,327 |
| Net interest margin | 4.0256% | 1,218 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 3.6385% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5446% | 3,799 |
| Return on assets (ROA) | 0.5446% | 3,764 |
| Pretax return on assets | 0.7033% | 3,654 |
| Return on Equity (ROE) | 9.4100% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.5485% | 2,628 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.8008% | 603 |
| Assets per employee ($millions) | 5.4466% | 3,275 |
| Cash dividends to net income (ytd only)* | 30.4020% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 942 |
| Loan loss allowance to noncurrent loans | 719.9017% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,561 |
| Noncurrent loans to loans | 0.2268% | 2,359 |
| Net loans and leases to total assets | 58.9200% | 2,773 |
| Net loans and leases to deposits | 66.9135% | 2,857 |
| Net loans and leases to core deposits | 76.3456% | 2,500 |
| Total domestic deposits to total assets | 88.0500% | 1,910 |
| Equity capital to assets | 5.9654% | 4,214 |
| Core capital (leverage) ratio | 9.5507% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $292,319,000 | 2,506 |
| Average earning assets | $267,093,000 | 2,520 |
| Average equity | $16,920,000 | 3,135 |
| Average total loans | $178,054,500 | 2,476 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1631% | 1,323 |
| Cost of funding earning assets | 0.2263% | 3,540 |
| Net interest margin | 3.9369% | 883 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 3.3636% | 571 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.6587% | 3,739 |
| Return on assets (ROA) | 0.6603% | 3,682 |
| Pretax return on assets | 0.8527% | 3,482 |
| Return on Equity (ROE) | 9.7000% | 2,906 |
| Retained earnings to average equity (ytd only) | 6.5686% | 2,421 |
| Net charge-offs to loans | -0.0018% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.7200% | 806 |
| Assets per employee ($millions) | 5.7015% | 3,034 |
| Cash dividends to net income (ytd only)* | 32.3102% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,157 |
| Loan loss allowance to noncurrent loans | 752.5281% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,654 |
| Noncurrent loans to loans | 0.2015% | 2,482 |
| Net loans and leases to total assets | 61.0400% | 2,549 |
| Net loans and leases to deposits | 69.9889% | 2,582 |
| Net loans and leases to core deposits | 74.9786% | 2,498 |
| Total domestic deposits to total assets | 87.2100% | 2,326 |
| Equity capital to assets | 5.6020% | 4,208 |
| Core capital (leverage) ratio | 9.9178% | 2,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $281,215,200 | 2,548 |
| Average earning assets | $255,000,200 | 2,578 |
| Average equity | $19,136,600 | 3,026 |
| Average total loans | $165,432,800 | 2,501 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 1,083 |
| Cost of funding earning assets | 0.1542% | 3,808 |
| Net interest margin | 3.9370% | 730 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 3.0524% | 845 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8522% | 3,056 |
| Return on assets (ROA) | 0.8545% | 3,027 |
| Pretax return on assets | 1.1256% | 2,641 |
| Return on Equity (ROE) | 12.0200% | 2,023 |
| Retained earnings to average equity (ytd only) | 11.1129% | 1,021 |
| Net charge-offs to loans | -0.0025% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.0009% | 1,510 |
| Assets per employee ($millions) | 5.5104% | 3,207 |
| Cash dividends to net income (ytd only)* | 7.5167% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 1,319 |
| Loan loss allowance to noncurrent loans | 754.7009% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,733 |
| Noncurrent loans to loans | 0.1974% | 2,612 |
| Net loans and leases to total assets | 62.3200% | 2,251 |
| Net loans and leases to deposits | 70.9561% | 2,293 |
| Net loans and leases to core deposits | 75.8476% | 2,204 |
| Total domestic deposits to total assets | 87.8300% | 2,476 |
| Equity capital to assets | 5.4870% | 4,134 |
| Core capital (leverage) ratio | 10.0553% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $280,249,750 | 2,568 |
| Average earning assets | $254,161,750 | 2,606 |
| Average equity | $19,928,250 | 3,007 |
| Average total loans | $162,620,000 | 2,522 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9216% | 1,078 |
| Cost of funding earning assets | 0.1709% | 3,302 |
| Net interest margin | 3.7507% | 836 |
| Noninterest income to average assets | 0.6586% | 1,507 |
| Noninterest expense to average assets | 3.0658% | 769 |
| Loan and lease loss provision to assets | 0.0750% | 1,284 |
| Net operating income to assets | 0.7124% | 3,268 |
| Return on assets (ROA) | 0.7157% | 3,208 |
| Pretax return on assets | 0.9243% | 2,979 |
| Return on Equity (ROE) | 9.3509% | 2,580 |
| Retained earnings to average equity (ytd only) | 8.0911% | 1,583 |
| Net charge-offs to loans | -0.0013% | 3,065 |
| Credit loss provision to net charge-offs | -10,500.0000% | 3,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4969% | 1,335 |
| Assets per employee ($millions) | 5.3009% | 3,430 |
| Cash dividends to net income (ytd only)* | 13.4731% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,175 |
| Loan loss allowance to noncurrent loans | 584.1518% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 2,543 |
| Noncurrent loans to loans | 0.2720% | 2,391 |
| Net loans and leases to total assets | 59.9553% | 2,328 |
| Net loans and leases to deposits | 64.3518% | 2,685 |
| Net loans and leases to core deposits | 69.0206% | 2,565 |
| Total domestic deposits to total assets | 93.1681% | 473 |
| Equity capital to assets | 6.3263% | 4,091 |
| Core capital (leverage) ratio | 9.6895% | 2,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,990,333 | 2,585 |
| Average earning assets | $253,978,000 | 2,643 |
| Average equity | $21,431,000 | 2,947 |
| Average total loans | $157,561,000 | 2,572 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 1,186 |
| Cost of funding earning assets | 0.1862% | 2,996 |
| Net interest margin | 3.5582% | 967 |
| Noninterest income to average assets | 0.6151% | 1,627 |
| Noninterest expense to average assets | 2.9549% | 878 |
| Loan and lease loss provision to assets | 0.1053% | 796 |
| Net operating income to assets | 0.5973% | 3,404 |
| Return on assets (ROA) | 0.6039% | 3,362 |
| Pretax return on assets | 0.7837% | 3,158 |
| Return on Equity (ROE) | 7.2897% | 2,945 |
| Retained earnings to average equity (ytd only) | 6.9506% | 1,903 |
| Net charge-offs to loans | 0.0026% | 1,708 |
| Credit loss provision to net charge-offs | 7,500.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 159 |
| Efficiency ratio | 77.0414% | 1,401 |
| Assets per employee ($millions) | 5.6828% | 3,141 |
| Cash dividends to net income (ytd only)* | 4.6512% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,188 |
| Loan loss allowance to noncurrent loans | 314.0948% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 1,986 |
| Noncurrent loans to loans | 0.5199% | 1,727 |
| Net loans and leases to total assets | 53.7245% | 2,797 |
| Net loans and leases to deposits | 58.3276% | 3,048 |
| Net loans and leases to core deposits | 63.6735% | 2,821 |
| Total domestic deposits to total assets | 92.1083% | 536 |
| Equity capital to assets | 7.3997% | 3,991 |
| Core capital (leverage) ratio | 9.4758% | 2,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $284,811,500 | 2,581 |
| Average earning assets | $257,773,000 | 2,623 |
| Average equity | $23,595,000 | 2,862 |
| Average total loans | $153,989,000 | 2,596 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 1,112 |
| Cost of funding earning assets | 0.2088% | 3,381 |
| Net interest margin | 3.9199% | 819 |
| Noninterest income to average assets | 0.6528% | 1,931 |
| Noninterest expense to average assets | 3.3202% | 610 |
| Loan and lease loss provision to assets | -0.0019% | 4,136 |
| Net operating income to assets | 0.6952% | 3,641 |
| Return on assets (ROA) | 0.8515% | 3,251 |
| Pretax return on assets | 1.0880% | 3,012 |
| Return on Equity (ROE) | 8.6247% | 3,039 |
| Retained earnings to average equity (ytd only) | 7.0039% | 1,914 |
| Net charge-offs to loans | -0.0119% | 3,801 |
| Credit loss provision to net charge-offs | 27.7778% | 2,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8942% | 876 |
| Assets per employee ($millions) | 5.4863% | 3,272 |
| Cash dividends to net income (ytd only)* | 18.7926% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6775% | 1,098 |
| Loan loss allowance to noncurrent loans | 585.3147% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,868 |
| Noncurrent loans to loans | 0.2866% | 2,569 |
| Net loans and leases to total assets | 52.6004% | 3,002 |
| Net loans and leases to deposits | 59.3126% | 3,145 |
| Net loans and leases to core deposits | 64.7631% | 2,919 |
| Total domestic deposits to total assets | 88.6833% | 1,676 |
| Equity capital to assets | 9.2009% | 3,421 |
| Core capital (leverage) ratio | 9.5147% | 2,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,721,600 | 2,671 |
| Average earning assets | $234,677,000 | 2,716 |
| Average equity | $25,542,800 | 2,812 |
| Average total loans | $151,853,200 | 2,614 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 1,043 |
| Cost of funding earning assets | 0.2090% | 3,525 |
| Net interest margin | 4.0326% | 743 |
| Noninterest income to average assets | 0.6439% | 2,033 |
| Noninterest expense to average assets | 3.2189% | 689 |
| Loan and lease loss provision to assets | 0.0473% | 2,051 |
| Net operating income to assets | 0.7886% | 3,556 |
| Return on assets (ROA) | 0.9569% | 3,139 |
| Pretax return on assets | 1.2441% | 2,789 |
| Return on Equity (ROE) | 9.5137% | 2,922 |
| Retained earnings to average equity (ytd only) | 7.9446% | 2,069 |
| Net charge-offs to loans | -0.0166% | 3,892 |
| Credit loss provision to net charge-offs | -473.6842% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9051% | 1,139 |
| Assets per employee ($millions) | 5.6259% | 3,068 |
| Cash dividends to net income (ytd only)* | 16.4926% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6516% | 1,222 |
| Loan loss allowance to noncurrent loans | 568.1917% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,009 |
| Noncurrent loans to loans | 0.2907% | 2,752 |
| Net loans and leases to total assets | 56.3369% | 2,690 |
| Net loans and leases to deposits | 63.8759% | 2,867 |
| Net loans and leases to core deposits | 66.5744% | 2,905 |
| Total domestic deposits to total assets | 88.1975% | 1,718 |
| Equity capital to assets | 9.4668% | 3,408 |
| Core capital (leverage) ratio | 9.8225% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,452,000 | 2,727 |
| Average earning assets | $229,621,000 | 2,769 |
| Average equity | $25,492,500 | 2,848 |
| Average total loans | $152,394,750 | 2,651 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 883 |
| Cost of funding earning assets | 0.2200% | 3,559 |
| Net interest margin | 4.1547% | 633 |
| Noninterest income to average assets | 0.6600% | 1,968 |
| Noninterest expense to average assets | 3.2986% | 615 |
| Loan and lease loss provision to assets | 0.0732% | 1,610 |
| Net operating income to assets | 0.7785% | 3,570 |
| Return on assets (ROA) | 0.8511% | 3,438 |
| Pretax return on assets | 1.1104% | 3,181 |
| Return on Equity (ROE) | 8.2796% | 3,321 |
| Retained earnings to average equity (ytd only) | 6.6980% | 2,540 |
| Net charge-offs to loans | -0.0252% | 4,084 |
| Credit loss provision to net charge-offs | -473.6842% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1342% | 1,156 |
| Assets per employee ($millions) | 5.5585% | 3,055 |
| Cash dividends to net income (ytd only)* | 19.1022% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 1,029 |
| Loan loss allowance to noncurrent loans | 513.1890% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 3,026 |
| Noncurrent loans to loans | 0.3343% | 2,712 |
| Net loans and leases to total assets | 54.8272% | 3,039 |
| Net loans and leases to deposits | 62.0471% | 3,196 |
| Net loans and leases to core deposits | 64.4778% | 3,247 |
| Total domestic deposits to total assets | 88.3638% | 1,640 |
| Equity capital to assets | 9.4058% | 3,421 |
| Core capital (leverage) ratio | 10.3963% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $246,046,000 | 2,765 |
| Average earning assets | $220,907,667 | 2,822 |
| Average equity | $25,291,000 | 2,857 |
| Average total loans | $150,555,667 | 2,681 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 560 |
| Cost of funding earning assets | 0.2387% | 3,575 |
| Net interest margin | 4.4741% | 374 |
| Noninterest income to average assets | 0.6029% | 2,192 |
| Noninterest expense to average assets | 3.5537% | 435 |
| Loan and lease loss provision to assets | 0.1546% | 832 |
| Net operating income to assets | 0.6591% | 3,802 |
| Return on assets (ROA) | 0.8124% | 3,456 |
| Pretax return on assets | 1.0804% | 3,164 |
| Return on Equity (ROE) | 7.5296% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.5296% | 2,405 |
| Net charge-offs to loans | -0.0480% | 4,377 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3458% | 1,014 |
| Assets per employee ($millions) | 4.9915% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7238% | 993 |
| Loan loss allowance to noncurrent loans | 494.4972% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 3,072 |
| Noncurrent loans to loans | 0.3486% | 2,839 |
| Net loans and leases to total assets | 60.7461% | 2,439 |
| Net loans and leases to deposits | 69.4774% | 2,561 |
| Net loans and leases to core deposits | 72.8307% | 2,629 |
| Total domestic deposits to total assets | 87.4328% | 2,122 |
| Equity capital to assets | 10.1909% | 2,526 |
| Core capital (leverage) ratio | 10.6994% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,886,500 | 2,843 |
| Average earning assets | $207,774,500 | 2,908 |
| Average equity | $25,127,500 | 2,861 |
| Average total loans | $149,865,000 | 2,689 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7257% | 848 |
| Cost of funding earning assets | 0.3193% | 4,032 |
| Net interest margin | 4.4064% | 400 |
| Noninterest income to average assets | 0.5233% | 2,532 |
| Noninterest expense to average assets | 3.6175% | 587 |
| Loan and lease loss provision to assets | 0.0514% | 3,736 |
| Net operating income to assets | 0.6459% | 3,608 |
| Return on assets (ROA) | 0.7519% | 3,383 |
| Pretax return on assets | 0.9741% | 3,131 |
| Return on Equity (ROE) | 6.3356% | 3,474 |
| Retained earnings to average equity (ytd only) | 3.6339% | 3,024 |
| Net charge-offs to loans | -0.0570% | 4,694 |
| Credit loss provision to net charge-offs | -129.6296% | 3,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2302% | 873 |
| Assets per employee ($millions) | 4.6081% | 3,803 |
| Cash dividends to net income (ytd only)* | 42.6432% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6816% | 1,080 |
| Loan loss allowance to noncurrent loans | 240.6551% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 2,057 |
| Noncurrent loans to loans | 0.6988% | 1,946 |
| Net loans and leases to total assets | 66.0298% | 2,089 |
| Net loans and leases to deposits | 76.8505% | 2,190 |
| Net loans and leases to core deposits | 81.0329% | 2,273 |
| Total domestic deposits to total assets | 85.9199% | 2,399 |
| Equity capital to assets | 11.4516% | 1,923 |
| Core capital (leverage) ratio | 11.2848% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $204,284,000 | 2,903 |
| Average earning assets | $184,776,400 | 2,953 |
| Average equity | $24,244,000 | 2,859 |
| Average total loans | $142,139,200 | 2,726 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 868 |
| Cost of funding earning assets | 0.3369% | 4,118 |
| Net interest margin | 4.4740% | 404 |
| Noninterest income to average assets | 0.4812% | 2,692 |
| Noninterest expense to average assets | 3.6142% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7168% | 3,404 |
| Return on assets (ROA) | 0.7611% | 3,358 |
| Pretax return on assets | 0.9497% | 3,237 |
| Return on Equity (ROE) | 6.3516% | 3,426 |
| Retained earnings to average equity (ytd only) | 3.2370% | 3,421 |
| Net charge-offs to loans | -0.0626% | 4,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1626% | 859 |
| Assets per employee ($millions) | 4.6650% | 3,639 |
| Cash dividends to net income (ytd only)* | 49.0368% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5814% | 1,155 |
| Loan loss allowance to noncurrent loans | 213.4650% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 2,109 |
| Noncurrent loans to loans | 0.7408% | 1,956 |
| Net loans and leases to total assets | 68.9684% | 2,115 |
| Net loans and leases to deposits | 80.7096% | 2,236 |
| Net loans and leases to core deposits | 85.5144% | 2,342 |
| Total domestic deposits to total assets | 85.4526% | 2,268 |
| Equity capital to assets | 11.6782% | 1,891 |
| Core capital (leverage) ratio | 11.1336% | 1,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $200,057,250 | 2,919 |
| Average earning assets | $180,087,750 | 2,976 |
| Average equity | $23,972,500 | 2,872 |
| Average total loans | $140,536,500 | 2,751 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2222% | 540 |
| Cost of funding earning assets | 0.3526% | 4,257 |
| Net interest margin | 4.8696% | 253 |
| Noninterest income to average assets | 0.4311% | 2,902 |
| Noninterest expense to average assets | 3.6424% | 617 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9448% | 2,518 |
| Return on assets (ROA) | 0.9513% | 2,621 |
| Pretax return on assets | 1.2094% | 2,333 |
| Return on Equity (ROE) | 7.8377% | 2,814 |
| Retained earnings to average equity (ytd only) | 4.7161% | 2,599 |
| Net charge-offs to loans | 0.0291% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 58.6500% | 979 |
| Efficiency ratio | 75.2008% | 1,346 |
| Assets per employee ($millions) | 4.5777% | 3,682 |
| Cash dividends to net income (ytd only)* | 39.8278% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 1,188 |
| Loan loss allowance to noncurrent loans | 163.2479% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 1,809 |
| Noncurrent loans to loans | 0.9353% | 1,654 |
| Net loans and leases to total assets | 70.1985% | 2,000 |
| Net loans and leases to deposits | 84.9832% | 1,888 |
| Net loans and leases to core deposits | 91.6838% | 1,931 |
| Total domestic deposits to total assets | 82.6027% | 3,205 |
| Equity capital to assets | 11.8206% | 1,772 |
| Core capital (leverage) ratio | 11.8076% | 1,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $195,309,667 | 2,943 |
| Average earning assets | $176,975,000 | 2,984 |
| Average equity | $23,706,000 | 2,875 |
| Average total loans | $137,385,000 | 2,778 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8679% | 1,270 |
| Cost of funding earning assets | 0.3937% | 4,385 |
| Net interest margin | 4.4741% | 539 |
| Noninterest income to average assets | 0.4476% | 2,803 |
| Noninterest expense to average assets | 3.8513% | 583 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5298% | 3,813 |
| Return on assets (ROA) | 0.5435% | 3,825 |
| Pretax return on assets | 0.6820% | 3,739 |
| Return on Equity (ROE) | 4.4130% | 3,846 |
| Retained earnings to average equity (ytd only) | 1.2979% | 3,672 |
| Net charge-offs to loans | -0.0244% | 4,402 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2761% | 752 |
| Assets per employee ($millions) | 4.1645% | 3,701 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7300% | 823 |
| Loan loss allowance to noncurrent loans | 169.9634% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7940% | 1,706 |
| Noncurrent loans to loans | 1.0179% | 1,627 |
| Net loans and leases to total assets | 68.7921% | 2,421 |
| Net loans and leases to deposits | 81.7168% | 2,492 |
| Net loans and leases to core deposits | 89.0474% | 2,440 |
| Total domestic deposits to total assets | 84.1836% | 2,717 |
| Equity capital to assets | 11.8757% | 2,163 |
| Core capital (leverage) ratio | 12.4651% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $187,678,000 | 2,973 |
| Average earning assets | $170,670,000 | 3,017 |
| Average equity | $23,113,500 | 2,916 |
| Average total loans | $131,022,000 | 2,820 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 1,712 |
| Cost of funding earning assets | 0.4155% | 4,390 |
| Net interest margin | 4.4995% | 716 |
| Noninterest income to average assets | 0.5233% | 2,607 |
| Noninterest expense to average assets | 3.7565% | 710 |
| Loan and lease loss provision to assets | 0.1616% | 1,290 |
| Net operating income to assets | 0.5022% | 4,397 |
| Return on assets (ROA) | 0.5022% | 4,452 |
| Pretax return on assets | 0.6794% | 4,257 |
| Return on Equity (ROE) | 4.3969% | 4,373 |
| Retained earnings to average equity (ytd only) | 4.3969% | 2,766 |
| Net charge-offs to loans | 0.0332% | 2,724 |
| Credit loss provision to net charge-offs | 725.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 37.7250% | 1,369 |
| Efficiency ratio | 81.7069% | 815 |
| Assets per employee ($millions) | 3.9954% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 647 |
| Loan loss allowance to noncurrent loans | 166.0920% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,709 |
| Noncurrent loans to loans | 1.0880% | 1,390 |
| Net loans and leases to total assets | 68.3550% | 2,629 |
| Net loans and leases to deposits | 82.2912% | 2,525 |
| Net loans and leases to core deposits | 88.3268% | 2,579 |
| Total domestic deposits to total assets | 83.0648% | 3,172 |
| Equity capital to assets | 12.7739% | 1,663 |
| Core capital (leverage) ratio | 12.8479% | 1,313 |
| Tier 1 risk-based capital ratio | 17.2424% | 1,983 |
| Total risk-based capital ratio | 18.4983% | 1,922 |
| Memoranda: | ||
| Average total assets | $179,424,000 | 3,024 |
| Average earning assets | $162,461,800 | 3,063 |
| Average equity | $20,491,800 | 3,088 |
| Average total loans | $120,529,200 | 2,940 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 1,793 |
| Cost of funding earning assets | 0.4165% | 4,443 |
| Net interest margin | 4.4923% | 782 |
| Noninterest income to average assets | 0.5361% | 2,531 |
| Noninterest expense to average assets | 3.6695% | 780 |
| Loan and lease loss provision to assets | 0.2168% | 795 |
| Net operating income to assets | 0.5166% | 4,479 |
| Return on assets (ROA) | 0.5166% | 4,531 |
| Pretax return on assets | 0.7140% | 4,314 |
| Return on Equity (ROE) | 4.6659% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.6659% | 3,076 |
| Net charge-offs to loans | -0.0124% | 4,442 |
| Credit loss provision to net charge-offs | -2,636.3636% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7660% | 939 |
| Assets per employee ($millions) | 4.0866% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 584 |
| Loan loss allowance to noncurrent loans | 153.0440% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8587% | 1,592 |
| Noncurrent loans to loans | 1.2189% | 1,287 |
| Net loans and leases to total assets | 69.1331% | 2,604 |
| Net loans and leases to deposits | 85.2927% | 2,284 |
| Net loans and leases to core deposits | 91.4333% | 2,422 |
| Total domestic deposits to total assets | 81.0540% | 3,739 |
| Equity capital to assets | 12.9364% | 1,664 |
| Core capital (leverage) ratio | 12.7689% | 1,447 |
| Tier 1 risk-based capital ratio | 16.8257% | 2,142 |
| Total risk-based capital ratio | 18.0779% | 2,088 |
| Memoranda: | ||
| Average total assets | $178,332,750 | 3,061 |
| Average earning assets | $161,337,250 | 3,104 |
| Average equity | $19,745,500 | 3,173 |
| Average total loans | $118,676,250 | 2,983 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9098% | 1,721 |
| Cost of funding earning assets | 0.4142% | 4,453 |
| Net interest margin | 4.4956% | 778 |
| Noninterest income to average assets | 0.5904% | 2,197 |
| Noninterest expense to average assets | 3.6730% | 777 |
| Loan and lease loss provision to assets | 0.2249% | 732 |
| Net operating income to assets | 0.5466% | 4,432 |
| Return on assets (ROA) | 0.5466% | 4,466 |
| Pretax return on assets | 0.7569% | 4,199 |
| Return on Equity (ROE) | 5.2332% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.2332% | 2,650 |
| Net charge-offs to loans | -0.0069% | 4,211 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9079% | 1,064 |
| Assets per employee ($millions) | 3.8446% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8299% | 645 |
| Loan loss allowance to noncurrent loans | 142.0690% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9019% | 1,540 |
| Noncurrent loans to loans | 1.2880% | 1,226 |
| Net loans and leases to total assets | 68.7407% | 2,718 |
| Net loans and leases to deposits | 81.3997% | 2,799 |
| Net loans and leases to core deposits | 86.8560% | 2,895 |
| Total domestic deposits to total assets | 84.4484% | 2,708 |
| Equity capital to assets | 11.2383% | 2,823 |
| Core capital (leverage) ratio | 10.6916% | 2,896 |
| Tier 1 risk-based capital ratio | 14.5526% | 3,040 |
| Total risk-based capital ratio | 15.8129% | 2,957 |
| Memoranda: | ||
| Average total assets | $177,840,000 | 3,082 |
| Average earning assets | $160,780,330 | 3,126 |
| Average equity | $18,573,670 | 3,292 |
| Average total loans | $116,011,000 | 3,028 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 1,799 |
| Cost of funding earning assets | 0.4060% | 4,457 |
| Net interest margin | 4.4313% | 842 |
| Noninterest income to average assets | 0.5450% | 2,311 |
| Noninterest expense to average assets | 3.6381% | 810 |
| Loan and lease loss provision to assets | 0.2467% | 592 |
| Net operating income to assets | 0.4621% | 4,616 |
| Return on assets (ROA) | 0.4621% | 4,634 |
| Pretax return on assets | 0.6505% | 4,416 |
| Return on Equity (ROE) | 4.5974% | 4,445 |
| Retained earnings to average equity (ytd only) | 4.5974% | 3,083 |
| Net charge-offs to loans | -0.0535% | 4,856 |
| Credit loss provision to net charge-offs | -733.3333% | 3,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2176% | 1,044 |
| Assets per employee ($millions) | 3.9624% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 634 |
| Loan loss allowance to noncurrent loans | 156.9993% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 1,842 |
| Noncurrent loans to loans | 1.1820% | 1,406 |
| Net loans and leases to total assets | 63.4573% | 3,352 |
| Net loans and leases to deposits | 73.7045% | 3,475 |
| Net loans and leases to core deposits | 77.5824% | 3,552 |
| Total domestic deposits to total assets | 86.0969% | 2,234 |
| Equity capital to assets | 10.3254% | 3,503 |
| Core capital (leverage) ratio | 10.6364% | 2,909 |
| Tier 1 risk-based capital ratio | 14.6466% | 3,037 |
| Total risk-based capital ratio | 15.9073% | 2,953 |
| Memoranda: | ||
| Average total assets | $178,335,000 | 3,104 |
| Average earning assets | $160,586,000 | 3,161 |
| Average equity | $17,923,000 | 3,359 |
| Average total loans | $112,099,500 | 3,134 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 1,846 |
| Cost of funding earning assets | 0.3621% | 4,206 |
| Net interest margin | 4.3305% | 1,088 |
| Noninterest income to average assets | 0.3777% | 3,568 |
| Noninterest expense to average assets | 3.6972% | 775 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4481% | 4,768 |
| Return on assets (ROA) | 0.4481% | 4,765 |
| Pretax return on assets | 0.5509% | 4,720 |
| Return on Equity (ROE) | 4.8606% | 4,488 |
| Retained earnings to average equity (ytd only) | 3.7580% | 3,503 |
| Net charge-offs to loans | 0.0125% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 76.3333% | 887 |
| Efficiency ratio | 87.0310% | 476 |
| Assets per employee ($millions) | 3.8756% | 4,066 |
| Cash dividends to net income (ytd only)* | 22.6846% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9389% | 536 |
| Loan loss allowance to noncurrent loans | 151.5062% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 1,792 |
| Noncurrent loans to loans | 1.2797% | 1,239 |
| Net loans and leases to total assets | 59.7972% | 3,802 |
| Net loans and leases to deposits | 69.1105% | 3,891 |
| Net loans and leases to core deposits | 73.1397% | 3,916 |
| Total domestic deposits to total assets | 86.5242% | 2,005 |
| Equity capital to assets | 9.7626% | 3,892 |
| Core capital (leverage) ratio | 10.2649% | 3,288 |
| Tier 1 risk-based capital ratio | 14.9518% | 2,847 |
| Total risk-based capital ratio | 16.2149% | 2,774 |
| Memoranda: | ||
| Average total assets | $166,259,200 | 3,204 |
| Average earning assets | $148,596,400 | 3,262 |
| Average equity | $15,327,200 | 3,596 |
| Average total loans | $96,052,800 | 3,368 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5215% | 2,224 |
| Cost of funding earning assets | 0.3407% | 4,245 |
| Net interest margin | 4.1808% | 1,412 |
| Noninterest income to average assets | 0.3434% | 3,849 |
| Noninterest expense to average assets | 3.6656% | 790 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3442% | 5,039 |
| Return on assets (ROA) | 0.3442% | 5,036 |
| Pretax return on assets | 0.4141% | 5,023 |
| Return on Equity (ROE) | 3.7935% | 4,865 |
| Retained earnings to average equity (ytd only) | 2.8540% | 4,292 |
| Net charge-offs to loans | 0.0100% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 72.8810% | 932 |
| Efficiency ratio | 89.8507% | 331 |
| Assets per employee ($millions) | 3.7898% | 4,188 |
| Cash dividends to net income (ytd only)* | 24.7647% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 505 |
| Loan loss allowance to noncurrent loans | 117.8449% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 1,413 |
| Noncurrent loans to loans | 1.6806% | 924 |
| Net loans and leases to total assets | 59.9864% | 3,843 |
| Net loans and leases to deposits | 68.5041% | 4,021 |
| Net loans and leases to core deposits | 72.6794% | 4,030 |
| Total domestic deposits to total assets | 87.5661% | 1,456 |
| Equity capital to assets | 8.5850% | 4,875 |
| Core capital (leverage) ratio | 9.3557% | 4,328 |
| Tier 1 risk-based capital ratio | 13.6568% | 3,540 |
| Total risk-based capital ratio | 14.9203% | 3,449 |
| Memoranda: | ||
| Average total assets | $164,223,750 | 3,257 |
| Average earning assets | $146,761,750 | 3,321 |
| Average equity | $14,902,500 | 3,677 |
| Average total loans | $93,478,750 | 3,440 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3937% | 2,437 |
| Cost of funding earning assets | 0.3311% | 4,199 |
| Net interest margin | 4.0627% | 1,664 |
| Noninterest income to average assets | 0.3454% | 3,865 |
| Noninterest expense to average assets | 3.6665% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2578% | 5,175 |
| Return on assets (ROA) | 0.2578% | 5,171 |
| Pretax return on assets | 0.2973% | 5,168 |
| Return on Equity (ROE) | 2.7886% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.0547% | 4,438 |
| Net charge-offs to loans | -0.0245% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4992% | 294 |
| Assets per employee ($millions) | 3.6895% | 4,364 |
| Cash dividends to net income (ytd only)* | 26.3158% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2526% | 341 |
| Loan loss allowance to noncurrent loans | 117.4085% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 1,330 |
| Noncurrent loans to loans | 1.9186% | 803 |
| Net loans and leases to total assets | 54.4689% | 4,296 |
| Net loans and leases to deposits | 60.7589% | 4,489 |
| Net loans and leases to core deposits | 64.4601% | 4,462 |
| Total domestic deposits to total assets | 89.6475% | 687 |
| Equity capital to assets | 8.9184% | 4,621 |
| Core capital (leverage) ratio | 9.3822% | 4,267 |
| Tier 1 risk-based capital ratio | 14.9650% | 2,893 |
| Total risk-based capital ratio | 16.2327% | 2,807 |
| Memoranda: | ||
| Average total assets | $162,117,670 | 3,297 |
| Average earning assets | $144,387,000 | 3,365 |
| Average equity | $14,989,670 | 3,686 |
| Average total loans | $89,848,670 | 3,519 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 2,642 |
| Cost of funding earning assets | 0.3255% | 4,163 |
| Net interest margin | 3.9428% | 1,886 |
| Noninterest income to average assets | 0.3546% | 3,777 |
| Noninterest expense to average assets | 3.7312% | 725 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1324% | 5,307 |
| Return on assets (ROA) | 0.1324% | 5,302 |
| Pretax return on assets | 0.1324% | 5,320 |
| Return on Equity (ROE) | 1.4057% | 5,267 |
| Retained earnings to average equity (ytd only) | 1.1405% | 4,593 |
| Net charge-offs to loans | -0.0949% | 5,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5740% | 240 |
| Assets per employee ($millions) | 3.7469% | 4,353 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 310 |
| Loan loss allowance to noncurrent loans | 109.6285% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1992% | 1,272 |
| Noncurrent loans to loans | 2.1321% | 722 |
| Net loans and leases to total assets | 53.0965% | 4,359 |
| Net loans and leases to deposits | 59.2500% | 4,521 |
| Net loans and leases to core deposits | 62.8733% | 4,501 |
| Total domestic deposits to total assets | 89.6143% | 833 |
| Equity capital to assets | 9.0009% | 4,553 |
| Core capital (leverage) ratio | 9.7318% | 3,819 |
| Tier 1 risk-based capital ratio | 15.4034% | 2,694 |
| Total risk-based capital ratio | 16.6727% | 2,629 |
| Memoranda: | ||
| Average total assets | $160,163,000 | 3,351 |
| Average earning assets | $142,538,000 | 3,417 |
| Average equity | $15,081,000 | 3,698 |
| Average total loans | $88,514,500 | 3,578 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,530 |
| Cost of funding earning assets | 0.3223% | 3,931 |
| Net interest margin | 3.9195% | 2,031 |
| Noninterest income to average assets | 0.3584% | 3,905 |
| Noninterest expense to average assets | 3.5341% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.2692% | 5,466 |
| Return on assets (ROA) | -0.2734% | 5,469 |
| Pretax return on assets | 0.2952% | 5,214 |
| Return on Equity (ROE) | -2.6040% | 5,475 |
| Retained earnings to average equity (ytd only) | -3.5766% | 5,377 |
| Net charge-offs to loans | 0.0492% | 2,804 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 11.7436% | 2,536 |
| Efficiency ratio | 92.1333% | 349 |
| Assets per employee ($millions) | 3.4548% | 4,761 |
| Cash dividends to net income (ytd only)* | -37.3494% | 5,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3719% | 290 |
| Loan loss allowance to noncurrent loans | 104.4859% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.2762% | 1,146 |
| Noncurrent loans to loans | 2.2701% | 625 |
| Net loans and leases to total assets | 54.8841% | 4,278 |
| Net loans and leases to deposits | 61.8754% | 4,462 |
| Net loans and leases to core deposits | 65.6765% | 4,430 |
| Total domestic deposits to total assets | 88.7009% | 1,148 |
| Equity capital to assets | 9.8563% | 3,866 |
| Core capital (leverage) ratio | 10.0162% | 3,439 |
| Tier 1 risk-based capital ratio | 15.7925% | 2,517 |
| Total risk-based capital ratio | 17.0624% | 2,452 |
| Memoranda: | ||
| Average total assets | $151,779,000 | 3,449 |
| Average earning assets | $134,659,200 | 3,535 |
| Average equity | $15,937,000 | 3,602 |
| Average total loans | $79,281,000 | 3,765 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 2,423 |
| Cost of funding earning assets | 0.3161% | 3,975 |
| Net interest margin | 3.9364% | 1,908 |
| Noninterest income to average assets | 0.3588% | 3,962 |
| Noninterest expense to average assets | 3.4195% | 1,121 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3168% | 5,187 |
| Return on assets (ROA) | 0.3102% | 5,221 |
| Pretax return on assets | 0.4198% | 5,155 |
| Return on Equity (ROE) | 2.9085% | 5,131 |
| Retained earnings to average equity (ytd only) | 2.0384% | 4,622 |
| Net charge-offs to loans | 0.0828% | 1,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 10.1039% | 2,629 |
| Efficiency ratio | 88.8608% | 457 |
| Assets per employee ($millions) | 3.5805% | 4,604 |
| Cash dividends to net income (ytd only)* | 29.9152% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5803% | 242 |
| Loan loss allowance to noncurrent loans | 162.3428% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.8262% | 2,088 |
| Noncurrent loans to loans | 1.5894% | 1,159 |
| Net loans and leases to total assets | 50.6378% | 4,661 |
| Net loans and leases to deposits | 58.9766% | 4,683 |
| Net loans and leases to core deposits | 62.7499% | 4,663 |
| Total domestic deposits to total assets | 85.8608% | 2,367 |
| Equity capital to assets | 10.6903% | 3,172 |
| Core capital (leverage) ratio | 9.9650% | 3,612 |
| Tier 1 risk-based capital ratio | 17.0037% | 2,153 |
| Total risk-based capital ratio | 18.2822% | 2,102 |
| Memoranda: | ||
| Average total assets | $150,857,750 | 3,492 |
| Average earning assets | $133,721,750 | 3,579 |
| Average equity | $16,090,500 | 3,618 |
| Average total loans | $77,251,750 | 3,836 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 2,409 |
| Cost of funding earning assets | 0.2960% | 4,120 |
| Net interest margin | 3.9222% | 1,859 |
| Noninterest income to average assets | 0.3524% | 4,036 |
| Noninterest expense to average assets | 3.3132% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3688% | 5,047 |
| Return on assets (ROA) | 0.3604% | 5,093 |
| Pretax return on assets | 0.5113% | 4,986 |
| Return on Equity (ROE) | 3.3818% | 5,003 |
| Retained earnings to average equity (ytd only) | 2.6929% | 4,088 |
| Net charge-offs to loans | 0.0786% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 13.0667% | 2,153 |
| Efficiency ratio | 86.3605% | 665 |
| Assets per employee ($millions) | 3.7102% | 4,421 |
| Cash dividends to net income (ytd only)* | 20.3704% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5934% | 256 |
| Loan loss allowance to noncurrent loans | 169.5688% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.8651% | 2,045 |
| Noncurrent loans to loans | 1.5294% | 1,225 |
| Net loans and leases to total assets | 51.4571% | 4,615 |
| Net loans and leases to deposits | 60.0204% | 4,622 |
| Net loans and leases to core deposits | 61.6504% | 4,735 |
| Total domestic deposits to total assets | 85.7327% | 2,511 |
| Equity capital to assets | 10.8246% | 3,008 |
| Core capital (leverage) ratio | 10.0094% | 3,529 |
| Tier 1 risk-based capital ratio | 17.1107% | 2,135 |
| Total risk-based capital ratio | 18.3901% | 2,067 |
| Memoranda: | ||
| Average total assets | $149,823,000 | 3,523 |
| Average earning assets | $133,089,330 | 3,606 |
| Average equity | $15,967,670 | 3,645 |
| Average total loans | $76,326,330 | 3,872 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 2,469 |
| Cost of funding earning assets | 0.2913% | 4,132 |
| Net interest margin | 3.8600% | 1,920 |
| Noninterest income to average assets | 0.3740% | 3,850 |
| Noninterest expense to average assets | 3.2177% | 1,557 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3982% | 4,947 |
| Return on assets (ROA) | 0.3982% | 4,973 |
| Pretax return on assets | 0.5784% | 4,778 |
| Return on Equity (ROE) | 3.7663% | 4,855 |
| Retained earnings to average equity (ytd only) | 3.3845% | 3,743 |
| Net charge-offs to loans | -0.0377% | 5,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7626% | 907 |
| Assets per employee ($millions) | 3.9357% | 4,119 |
| Cash dividends to net income (ytd only)* | 10.1351% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7450% | 238 |
| Loan loss allowance to noncurrent loans | 149.5063% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 1,897 |
| Noncurrent loans to loans | 1.8361% | 1,015 |
| Net loans and leases to total assets | 48.9345% | 4,753 |
| Net loans and leases to deposits | 56.7228% | 4,774 |
| Net loans and leases to core deposits | 58.4646% | 4,854 |
| Total domestic deposits to total assets | 86.2696% | 2,549 |
| Equity capital to assets | 10.3511% | 3,350 |
| Core capital (leverage) ratio | 10.1657% | 3,296 |
| Tier 1 risk-based capital ratio | 17.4552% | 2,043 |
| Total risk-based capital ratio | 18.7356% | 1,988 |
| Memoranda: | ||
| Average total assets | $148,676,000 | 3,572 |
| Average earning assets | $131,812,500 | 3,649 |
| Average equity | $15,718,500 | 3,692 |
| Average total loans | $74,310,000 | 3,945 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 2,447 |
| Cost of funding earning assets | 0.3060% | 4,006 |
| Net interest margin | 3.9060% | 1,946 |
| Noninterest income to average assets | 0.3064% | 4,548 |
| Noninterest expense to average assets | 3.4195% | 1,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2443% | 5,327 |
| Return on assets (ROA) | 0.3085% | 5,265 |
| Pretax return on assets | 0.4464% | 5,130 |
| Return on Equity (ROE) | 2.6547% | 5,256 |
| Retained earnings to average equity (ytd only) | 2.0430% | 4,379 |
| Net charge-offs to loans | 0.2607% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.6021% | 3,801 |
| Efficiency ratio | 90.6350% | 520 |
| Assets per employee ($millions) | 3.8881% | 4,162 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9598% | 181 |
| Loan loss allowance to noncurrent loans | 153.3382% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 1,910 |
| Noncurrent loans to loans | 1.9302% | 951 |
| Net loans and leases to total assets | 48.1555% | 4,888 |
| Net loans and leases to deposits | 56.2491% | 4,901 |
| Net loans and leases to core deposits | 57.9826% | 4,967 |
| Total domestic deposits to total assets | 85.6111% | 2,775 |
| Equity capital to assets | 10.8083% | 2,808 |
| Core capital (leverage) ratio | 10.8782% | 2,461 |
| Tier 1 risk-based capital ratio | 18.9349% | 1,615 |
| Total risk-based capital ratio | 20.2199% | 1,571 |
| Memoranda: | ||
| Average total assets | $140,665,600 | 3,659 |
| Average earning assets | $124,835,000 | 3,739 |
| Average equity | $16,348,200 | 3,646 |
| Average total loans | $73,259,200 | 3,959 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,406 |
| Cost of funding earning assets | 0.3078% | 4,009 |
| Net interest margin | 3.9237% | 1,900 |
| Noninterest income to average assets | 0.2974% | 4,637 |
| Noninterest expense to average assets | 3.4003% | 1,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2646% | 5,362 |
| Return on assets (ROA) | 0.3508% | 5,246 |
| Pretax return on assets | 0.5090% | 5,102 |
| Return on Equity (ROE) | 2.9650% | 5,229 |
| Retained earnings to average equity (ytd only) | 2.4816% | 4,435 |
| Net charge-offs to loans | 0.3273% | 705 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.2265% | 3,603 |
| Efficiency ratio | 89.8489% | 566 |
| Assets per employee ($millions) | 3.7715% | 4,358 |
| Cash dividends to net income (ytd only)* | 16.3049% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9633% | 196 |
| Loan loss allowance to noncurrent loans | 146.8880% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 1.1351% | 1,777 |
| Noncurrent loans to loans | 2.0174% | 968 |
| Net loans and leases to total assets | 49.8423% | 4,832 |
| Net loans and leases to deposits | 59.5126% | 4,793 |
| Net loans and leases to core deposits | 60.8768% | 4,892 |
| Total domestic deposits to total assets | 83.7509% | 3,297 |
| Equity capital to assets | 12.0734% | 2,064 |
| Core capital (leverage) ratio | 10.8908% | 2,578 |
| Tier 1 risk-based capital ratio | 19.3606% | 1,583 |
| Total risk-based capital ratio | 20.6467% | 1,534 |
| Memoranda: | ||
| Average total assets | $139,866,750 | 3,696 |
| Average earning assets | $124,301,500 | 3,772 |
| Average equity | $16,548,000 | 3,649 |
| Average total loans | $73,726,500 | 3,980 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,222 |
| Cost of funding earning assets | 0.3165% | 3,950 |
| Net interest margin | 3.9614% | 1,768 |
| Noninterest income to average assets | 0.2329% | 5,088 |
| Noninterest expense to average assets | 3.3163% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2985% | 5,327 |
| Return on assets (ROA) | 0.4258% | 5,044 |
| Pretax return on assets | 0.6273% | 4,821 |
| Return on Equity (ROE) | 3.6235% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.3804% | 3,742 |
| Net charge-offs to loans | 0.4542% | 493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1.8225% | 3,362 |
| Efficiency ratio | 88.2845% | 703 |
| Assets per employee ($millions) | 3.2553% | 5,128 |
| Cash dividends to net income (ytd only)* | 6.7114% | 3,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8082% | 251 |
| Loan loss allowance to noncurrent loans | 165.1972% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 2,095 |
| Noncurrent loans to loans | 1.6999% | 1,250 |
| Net loans and leases to total assets | 52.8125% | 4,609 |
| Net loans and leases to deposits | 62.6224% | 4,604 |
| Net loans and leases to core deposits | 64.5121% | 4,707 |
| Total domestic deposits to total assets | 84.3349% | 3,146 |
| Equity capital to assets | 11.9560% | 2,157 |
| Core capital (leverage) ratio | 10.8262% | 2,620 |
| Tier 1 risk-based capital ratio | 19.0862% | 1,675 |
| Total risk-based capital ratio | 20.3695% | 1,634 |
| Memoranda: | ||
| Average total assets | $139,973,670 | 3,720 |
| Average earning assets | $124,502,670 | 3,790 |
| Average equity | $16,448,000 | 3,673 |
| Average total loans | $74,409,670 | 3,991 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2670% | 2,248 |
| Cost of funding earning assets | 0.3085% | 4,077 |
| Net interest margin | 3.9585% | 1,752 |
| Noninterest income to average assets | 0.3801% | 3,985 |
| Noninterest expense to average assets | 3.2950% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4048% | 4,979 |
| Return on assets (ROA) | 0.4201% | 5,008 |
| Pretax return on assets | 0.6287% | 4,735 |
| Return on Equity (ROE) | 3.6065% | 5,030 |
| Retained earnings to average equity (ytd only) | 3.6065% | 3,691 |
| Net charge-offs to loans | 0.2392% | 855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.8182% | 2,393 |
| Efficiency ratio | 84.4689% | 1,117 |
| Assets per employee ($millions) | 3.7529% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0628% | 209 |
| Loan loss allowance to noncurrent loans | 151.4401% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.7130% | 1,126 |
| Noncurrent loans to loans | 2.0224% | 1,051 |
| Net loans and leases to total assets | 50.1788% | 4,789 |
| Net loans and leases to deposits | 59.1819% | 4,770 |
| Net loans and leases to core deposits | 60.6593% | 4,897 |
| Total domestic deposits to total assets | 84.7874% | 3,213 |
| Equity capital to assets | 11.5811% | 2,368 |
| Core capital (leverage) ratio | 10.8111% | 2,606 |
| Tier 1 risk-based capital ratio | 19.7847% | 1,550 |
| Total risk-based capital ratio | 21.0720% | 1,508 |
| Memoranda: | ||
| Average total assets | $139,970,500 | 3,745 |
| Average earning assets | $124,491,000 | 3,821 |
| Average equity | $16,304,000 | 3,695 |
| Average total loans | $73,583,000 | 4,035 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3637% | 2,014 |
| Cost of funding earning assets | 0.3509% | 3,693 |
| Net interest margin | 4.0128% | 1,676 |
| Noninterest income to average assets | 0.4285% | 3,828 |
| Noninterest expense to average assets | 3.4860% | 1,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3870% | 5,093 |
| Return on assets (ROA) | 0.3875% | 5,172 |
| Pretax return on assets | 0.5787% | 4,907 |
| Return on Equity (ROE) | 3.3179% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.7722% | 4,102 |
| Net charge-offs to loans | 0.0027% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 394.5000% | 168 |
| Efficiency ratio | 85.7787% | 1,008 |
| Assets per employee ($millions) | 3.7116% | 4,454 |
| Cash dividends to net income (ytd only)* | 16.4461% | 3,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1427% | 192 |
| Loan loss allowance to noncurrent loans | 154.6980% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8379% | 1,024 |
| Noncurrent loans to loans | 2.0315% | 1,018 |
| Net loans and leases to total assets | 51.7291% | 4,714 |
| Net loans and leases to deposits | 61.2389% | 4,689 |
| Net loans and leases to core deposits | 62.2789% | 4,860 |
| Total domestic deposits to total assets | 84.4709% | 3,299 |
| Equity capital to assets | 11.7178% | 2,182 |
| Core capital (leverage) ratio | 11.1221% | 2,287 |
| Tier 1 risk-based capital ratio | 19.6766% | 1,550 |
| Total risk-based capital ratio | 20.9639% | 1,512 |
| Memoranda: | ||
| Average total assets | $136,519,400 | 3,777 |
| Average earning assets | $123,679,600 | 3,804 |
| Average equity | $15,943,800 | 3,684 |
| Average total loans | $73,167,400 | 4,019 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 2,319 |
| Cost of funding earning assets | 0.3748% | 3,491 |
| Net interest margin | 3.8987% | 2,035 |
| Noninterest income to average assets | 0.4529% | 3,691 |
| Noninterest expense to average assets | 3.2766% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4884% | 4,834 |
| Return on assets (ROA) | 0.4890% | 4,922 |
| Pretax return on assets | 0.7277% | 4,581 |
| Return on Equity (ROE) | 4.1910% | 4,958 |
| Retained earnings to average equity (ytd only) | 3.7216% | 3,826 |
| Net charge-offs to loans | 0.2224% | 1,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 6.0902% | 3,105 |
| Efficiency ratio | 81.8471% | 1,415 |
| Assets per employee ($millions) | 3.4998% | 4,790 |
| Cash dividends to net income (ytd only)* | 11.1993% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 265 |
| Loan loss allowance to noncurrent loans | 89.6962% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.5701% | 653 |
| Noncurrent loans to loans | 3.2750% | 505 |
| Net loans and leases to total assets | 55.7537% | 4,384 |
| Net loans and leases to deposits | 63.9248% | 4,566 |
| Net loans and leases to core deposits | 65.0549% | 4,758 |
| Total domestic deposits to total assets | 87.2176% | 1,932 |
| Equity capital to assets | 12.5005% | 1,744 |
| Core capital (leverage) ratio | 11.2217% | 2,274 |
| Tier 1 risk-based capital ratio | 19.9741% | 1,556 |
| Total risk-based capital ratio | 21.2620% | 1,507 |
| Memoranda: | ||
| Average total assets | $136,317,000 | 3,817 |
| Average earning assets | $124,140,500 | 3,848 |
| Average equity | $15,906,750 | 3,724 |
| Average total loans | $73,123,250 | 4,057 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,532 |
| Cost of funding earning assets | 0.4118% | 3,138 |
| Net interest margin | 3.7919% | 2,351 |
| Noninterest income to average assets | 0.4647% | 3,600 |
| Noninterest expense to average assets | 3.1618% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5104% | 4,721 |
| Return on assets (ROA) | 0.5123% | 4,827 |
| Pretax return on assets | 0.7605% | 4,453 |
| Return on Equity (ROE) | 4.4899% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.1737% | 3,373 |
| Net charge-offs to loans | 0.2943% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.9065% | 2,981 |
| Efficiency ratio | 80.6701% | 1,665 |
| Assets per employee ($millions) | 3.6336% | 4,563 |
| Cash dividends to net income (ytd only)* | 7.0423% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0197% | 267 |
| Loan loss allowance to noncurrent loans | 131.0899% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.9636% | 1,130 |
| Noncurrent loans to loans | 2.3035% | 1,021 |
| Net loans and leases to total assets | 52.5780% | 4,698 |
| Net loans and leases to deposits | 59.7451% | 4,870 |
| Net loans and leases to core deposits | 60.7478% | 5,030 |
| Total domestic deposits to total assets | 88.0039% | 1,653 |
| Equity capital to assets | 11.7476% | 2,208 |
| Core capital (leverage) ratio | 10.8759% | 2,539 |
| Tier 1 risk-based capital ratio | 19.8615% | 1,582 |
| Total risk-based capital ratio | 21.1516% | 1,532 |
| Memoranda: | ||
| Average total assets | $138,592,330 | 3,805 |
| Average earning assets | $126,269,670 | 3,841 |
| Average equity | $15,813,330 | 3,752 |
| Average total loans | $72,704,000 | 4,093 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1134% | 2,780 |
| Cost of funding earning assets | 0.4491% | 2,774 |
| Net interest margin | 3.6643% | 2,760 |
| Noninterest income to average assets | 0.5346% | 3,057 |
| Noninterest expense to average assets | 3.1763% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4918% | 4,724 |
| Return on assets (ROA) | 0.4976% | 4,814 |
| Pretax return on assets | 0.7308% | 4,500 |
| Return on Equity (ROE) | 4.4239% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.4239% | 3,373 |
| Net charge-offs to loans | -0.3250% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4734% | 1,692 |
| Assets per employee ($millions) | 3.8078% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2914% | 216 |
| Loan loss allowance to noncurrent loans | 122.3487% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 1.9711% | 1,213 |
| Noncurrent loans to loans | 2.6901% | 875 |
| Net loans and leases to total assets | 49.3225% | 4,912 |
| Net loans and leases to deposits | 55.7338% | 5,069 |
| Net loans and leases to core deposits | 56.9124% | 5,193 |
| Total domestic deposits to total assets | 88.4966% | 1,548 |
| Equity capital to assets | 11.3905% | 2,566 |
| Core capital (leverage) ratio | 10.4601% | 3,020 |
| Tier 1 risk-based capital ratio | 20.2158% | 1,571 |
| Total risk-based capital ratio | 21.4909% | 1,537 |
| Memoranda: | ||
| Average total assets | $140,666,500 | 3,802 |
| Average earning assets | $129,139,000 | 3,802 |
| Average equity | $15,823,000 | 3,774 |
| Average total loans | $72,611,500 | 4,112 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2486% | 2,787 |
| Cost of funding earning assets | 0.5807% | 1,944 |
| Net interest margin | 3.6679% | 3,136 |
| Noninterest income to average assets | 0.3735% | 4,397 |
| Noninterest expense to average assets | 3.0908% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4385% | 5,072 |
| Return on assets (ROA) | 0.4385% | 5,165 |
| Pretax return on assets | 0.6467% | 4,792 |
| Return on Equity (ROE) | 4.3022% | 4,979 |
| Retained earnings to average equity (ytd only) | 3.9629% | 3,396 |
| Net charge-offs to loans | 1.5532% | 153 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.7998% | 4,565 |
| Efficiency ratio | 82.6980% | 1,569 |
| Assets per employee ($millions) | 4.1307% | 3,662 |
| Cash dividends to net income (ytd only)* | 7.8864% | 4,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1444% | 252 |
| Loan loss allowance to noncurrent loans | 114.8333% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 1,242 |
| Noncurrent loans to loans | 2.7383% | 885 |
| Net loans and leases to total assets | 50.5974% | 4,909 |
| Net loans and leases to deposits | 57.1414% | 5,116 |
| Net loans and leases to core deposits | 58.3457% | 5,241 |
| Total domestic deposits to total assets | 88.5477% | 1,497 |
| Equity capital to assets | 11.1062% | 2,800 |
| Core capital (leverage) ratio | 10.3695% | 3,091 |
| Tier 1 risk-based capital ratio | 19.5839% | 1,693 |
| Total risk-based capital ratio | 20.8563% | 1,648 |
| Memoranda: | ||
| Average total assets | $144,591,000 | 3,714 |
| Average earning assets | $132,609,600 | 3,710 |
| Average equity | $14,736,600 | 3,889 |
| Average total loans | $75,265,000 | 4,015 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,857 |
| Cost of funding earning assets | 0.5952% | 1,882 |
| Net interest margin | 3.6414% | 3,261 |
| Noninterest income to average assets | 0.3726% | 4,446 |
| Noninterest expense to average assets | 3.0131% | 2,762 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4712% | 4,988 |
| Return on assets (ROA) | 0.4724% | 5,063 |
| Pretax return on assets | 0.6995% | 4,701 |
| Return on Equity (ROE) | 4.7377% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.5082% | 3,445 |
| Net charge-offs to loans | 2.0596% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.6513% | 4,344 |
| Efficiency ratio | 81.1991% | 1,727 |
| Assets per employee ($millions) | 4.0879% | 3,692 |
| Cash dividends to net income (ytd only)* | 4.8446% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0866% | 326 |
| Loan loss allowance to noncurrent loans | 87.4147% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 2.0591% | 1,376 |
| Noncurrent loans to loans | 3.5310% | 671 |
| Net loans and leases to total assets | 52.0922% | 4,798 |
| Net loans and leases to deposits | 59.3107% | 5,002 |
| Net loans and leases to core deposits | 60.5771% | 5,153 |
| Total domestic deposits to total assets | 87.8293% | 1,849 |
| Equity capital to assets | 10.8073% | 3,170 |
| Core capital (leverage) ratio | 10.1028% | 3,527 |
| Tier 1 risk-based capital ratio | 19.2140% | 1,853 |
| Total risk-based capital ratio | 20.4851% | 1,815 |
| Memoranda: | ||
| Average total assets | $145,627,750 | 3,733 |
| Average earning assets | $133,498,750 | 3,730 |
| Average equity | $14,521,250 | 3,949 |
| Average total loans | $75,739,250 | 4,040 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 3,077 |
| Cost of funding earning assets | 0.6093% | 1,820 |
| Net interest margin | 3.5571% | 3,542 |
| Noninterest income to average assets | 0.4058% | 4,203 |
| Noninterest expense to average assets | 2.9613% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4771% | 4,906 |
| Return on assets (ROA) | 0.4789% | 4,965 |
| Pretax return on assets | 0.7089% | 4,607 |
| Return on Equity (ROE) | 4.9322% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.9322% | 3,001 |
| Net charge-offs to loans | 0.7387% | 515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.8577% | 3,696 |
| Efficiency ratio | 80.7451% | 1,915 |
| Assets per employee ($millions) | 4.0973% | 3,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2264% | 150 |
| Loan loss allowance to noncurrent loans | 112.2234% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 2.1331% | 1,451 |
| Noncurrent loans to loans | 3.7660% | 657 |
| Net loans and leases to total assets | 50.4871% | 4,907 |
| Net loans and leases to deposits | 56.6309% | 5,145 |
| Net loans and leases to core deposits | 58.1099% | 5,265 |
| Total domestic deposits to total assets | 89.1512% | 1,277 |
| Equity capital to assets | 10.3098% | 3,677 |
| Core capital (leverage) ratio | 9.4934% | 4,340 |
| Tier 1 risk-based capital ratio | 18.9878% | 1,928 |
| Total risk-based capital ratio | 20.2717% | 1,883 |
| Memoranda: | ||
| Average total assets | $147,840,330 | 3,715 |
| Average earning assets | $135,559,330 | 3,719 |
| Average equity | $14,354,670 | 3,970 |
| Average total loans | $76,082,670 | 4,038 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,172 |
| Cost of funding earning assets | 0.6314% | 1,719 |
| Net interest margin | 3.4972% | 3,706 |
| Noninterest income to average assets | 0.3812% | 4,342 |
| Noninterest expense to average assets | 2.9642% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4185% | 5,047 |
| Return on assets (ROA) | 0.4185% | 5,116 |
| Pretax return on assets | 0.6211% | 4,763 |
| Return on Equity (ROE) | 4.4415% | 4,824 |
| Retained earnings to average equity (ytd only) | 4.4415% | 3,461 |
| Net charge-offs to loans | -0.0262% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6766% | 1,841 |
| Assets per employee ($millions) | 4.4338% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5681% | 123 |
| Loan loss allowance to noncurrent loans | 181.6806% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 1.3520% | 2,613 |
| Noncurrent loans to loans | 2.5144% | 1,374 |
| Net loans and leases to total assets | 46.8617% | 5,245 |
| Net loans and leases to deposits | 51.9146% | 5,457 |
| Net loans and leases to core deposits | 53.2505% | 5,552 |
| Total domestic deposits to total assets | 90.2669% | 929 |
| Equity capital to assets | 9.2298% | 4,839 |
| Core capital (leverage) ratio | 9.1391% | 4,809 |
| Tier 1 risk-based capital ratio | 18.5530% | 2,106 |
| Total risk-based capital ratio | 19.8472% | 2,056 |
| Memoranda: | ||
| Average total assets | $150,057,000 | 3,703 |
| Average earning assets | $137,482,000 | 3,708 |
| Average equity | $14,139,500 | 4,024 |
| Average total loans | $76,325,500 | 4,055 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,963 |
| Cost of funding earning assets | 0.7707% | 1,372 |
| Net interest margin | 3.7989% | 2,662 |
| Noninterest income to average assets | 0.4102% | 4,371 |
| Noninterest expense to average assets | 3.2153% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4175% | 5,090 |
| Return on assets (ROA) | 0.4157% | 5,204 |
| Pretax return on assets | 0.6750% | 4,620 |
| Return on Equity (ROE) | 4.2050% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.2050% | 3,181 |
| Net charge-offs to loans | 1.6366% | 274 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.7297% | 4,849 |
| Efficiency ratio | 82.5903% | 1,800 |
| Assets per employee ($millions) | 4.1409% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5468% | 131 |
| Loan loss allowance to noncurrent loans | 182.1803% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.5711% | 2,369 |
| Noncurrent loans to loans | 2.4958% | 1,514 |
| Net loans and leases to total assets | 50.3498% | 5,044 |
| Net loans and leases to deposits | 56.0766% | 5,296 |
| Net loans and leases to core deposits | 57.6242% | 5,419 |
| Total domestic deposits to total assets | 89.7876% | 1,190 |
| Equity capital to assets | 9.6293% | 4,244 |
| Core capital (leverage) ratio | 9.2954% | 4,558 |
| Tier 1 risk-based capital ratio | 18.4010% | 2,114 |
| Total risk-based capital ratio | 19.6946% | 2,065 |
| Memoranda: | ||
| Average total assets | $145,772,000 | 3,774 |
| Average earning assets | $133,644,000 | 3,762 |
| Average equity | $14,411,400 | 3,986 |
| Average total loans | $82,731,000 | 3,857 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,909 |
| Cost of funding earning assets | 0.8009% | 1,318 |
| Net interest margin | 3.7976% | 2,648 |
| Noninterest income to average assets | 0.4375% | 4,242 |
| Noninterest expense to average assets | 3.3072% | 2,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3838% | 5,306 |
| Return on assets (ROA) | 0.3809% | 5,467 |
| Pretax return on assets | 0.6119% | 4,975 |
| Return on Equity (ROE) | 3.8277% | 5,297 |
| Retained earnings to average equity (ytd only) | 3.8277% | 3,963 |
| Net charge-offs to loans | 1.9042% | 213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.5606% | 4,673 |
| Efficiency ratio | 84.2877% | 1,561 |
| Assets per employee ($millions) | 4.1251% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5529% | 158 |
| Loan loss allowance to noncurrent loans | 125.2417% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 2.2730% | 1,740 |
| Noncurrent loans to loans | 3.6353% | 1,022 |
| Net loans and leases to total assets | 54.2131% | 4,577 |
| Net loans and leases to deposits | 60.5517% | 4,910 |
| Net loans and leases to core deposits | 62.4044% | 5,071 |
| Total domestic deposits to total assets | 89.5318% | 1,276 |
| Equity capital to assets | 9.8079% | 4,168 |
| Core capital (leverage) ratio | 9.1895% | 4,849 |
| Tier 1 risk-based capital ratio | 17.3084% | 2,579 |
| Total risk-based capital ratio | 18.6029% | 2,531 |
| Memoranda: | ||
| Average total assets | $145,982,000 | 3,812 |
| Average earning assets | $134,011,750 | 3,789 |
| Average equity | $14,525,250 | 4,005 |
| Average total loans | $84,301,500 | 3,851 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,829 |
| Cost of funding earning assets | 0.8272% | 1,275 |
| Net interest margin | 3.7806% | 2,635 |
| Noninterest income to average assets | 0.4382% | 4,260 |
| Noninterest expense to average assets | 3.2362% | 2,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4362% | 5,080 |
| Return on assets (ROA) | 0.4328% | 5,251 |
| Pretax return on assets | 0.6762% | 4,757 |
| Return on Equity (ROE) | 4.3297% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.3297% | 3,519 |
| Net charge-offs to loans | 1.9383% | 235 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.6058% | 4,328 |
| Efficiency ratio | 82.6027% | 1,809 |
| Assets per employee ($millions) | 4.2759% | 3,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8622% | 129 |
| Loan loss allowance to noncurrent loans | 137.8490% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 2.1743% | 1,985 |
| Noncurrent loans to loans | 3.5272% | 1,195 |
| Net loans and leases to total assets | 53.8227% | 4,613 |
| Net loans and leases to deposits | 60.1417% | 4,965 |
| Net loans and leases to core deposits | 61.7848% | 5,117 |
| Total domestic deposits to total assets | 89.4931% | 1,329 |
| Equity capital to assets | 9.9105% | 4,035 |
| Core capital (leverage) ratio | 8.7001% | 5,424 |
| Tier 1 risk-based capital ratio | 16.8247% | 2,776 |
| Total risk-based capital ratio | 18.1209% | 2,735 |
| Memoranda: | ||
| Average total assets | $147,891,330 | 3,808 |
| Average earning assets | $136,116,670 | 3,789 |
| Average equity | $14,781,670 | 3,989 |
| Average total loans | $85,847,670 | 3,826 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 1,639 |
| Cost of funding earning assets | 0.8442% | 1,278 |
| Net interest margin | 3.8192% | 2,381 |
| Noninterest income to average assets | 0.4801% | 3,923 |
| Noninterest expense to average assets | 3.3149% | 2,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4741% | 4,802 |
| Return on assets (ROA) | 0.4667% | 5,006 |
| Pretax return on assets | 0.6732% | 4,692 |
| Return on Equity (ROE) | 4.6498% | 4,765 |
| Retained earnings to average equity (ytd only) | 4.6498% | 3,445 |
| Net charge-offs to loans | 1.3326% | 420 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.8733% | 3,545 |
| Efficiency ratio | 82.8974% | 1,907 |
| Assets per employee ($millions) | 4.4198% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3006% | 111 |
| Loan loss allowance to noncurrent loans | 164.6952% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.9697% | 2,378 |
| Noncurrent loans to loans | 3.2184% | 1,522 |
| Net loans and leases to total assets | 53.9634% | 4,423 |
| Net loans and leases to deposits | 61.2420% | 4,652 |
| Net loans and leases to core deposits | 63.0936% | 4,838 |
| Total domestic deposits to total assets | 88.1150% | 2,248 |
| Equity capital to assets | 9.9944% | 4,159 |
| Core capital (leverage) ratio | 8.4409% | 5,655 |
| Tier 1 risk-based capital ratio | 16.1065% | 3,201 |
| Total risk-based capital ratio | 17.4131% | 3,128 |
| Memoranda: | ||
| Average total assets | $149,146,500 | 3,826 |
| Average earning assets | $137,409,500 | 3,805 |
| Average equity | $14,968,500 | 4,004 |
| Average total loans | $87,648,000 | 3,798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 1,389 |
| Cost of funding earning assets | 0.9464% | 1,662 |
| Net interest margin | 4.1188% | 1,925 |
| Noninterest income to average assets | 0.5261% | 3,737 |
| Noninterest expense to average assets | 3.3173% | 2,284 |
| Loan and lease loss provision to assets | 0.6795% | 777 |
| Net operating income to assets | 0.1781% | 5,829 |
| Return on assets (ROA) | 0.9953% | 2,576 |
| Pretax return on assets | 1.4658% | 1,799 |
| Return on Equity (ROE) | 10.9423% | 1,822 |
| Retained earnings to average equity (ytd only) | 10.9423% | 447 |
| Net charge-offs to loans | 2.8699% | 189 |
| Credit loss provision to net charge-offs | 36.9849% | 4,988 |
| Earnings coverage of net charge-offs (x) | 0.5136% | 5,229 |
| Efficiency ratio | 77.8554% | 2,468 |
| Assets per employee ($millions) | 3.7005% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3879% | 103 |
| Loan loss allowance to noncurrent loans | 136.8168% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 2.4679% | 1,984 |
| Noncurrent loans to loans | 3.9380% | 1,207 |
| Net loans and leases to total assets | 57.3122% | 4,083 |
| Net loans and leases to deposits | 65.1494% | 4,399 |
| Net loans and leases to core deposits | 67.2563% | 4,620 |
| Total domestic deposits to total assets | 87.9705% | 2,256 |
| Equity capital to assets | 10.0784% | 4,060 |
| Core capital (leverage) ratio | 8.2752% | 5,913 |
| Tier 1 risk-based capital ratio | 15.1763% | 3,626 |
| Total risk-based capital ratio | 16.4909% | 3,534 |
| Memoranda: | ||
| Average total assets | $154,521,000 | 3,707 |
| Average earning assets | $140,114,600 | 3,725 |
| Average equity | $14,055,600 | 4,146 |
| Average total loans | $98,921,800 | 3,553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 1,296 |
| Cost of funding earning assets | 0.9610% | 1,776 |
| Net interest margin | 4.1899% | 1,767 |
| Noninterest income to average assets | 0.5354% | 3,711 |
| Noninterest expense to average assets | 3.1354% | 2,781 |
| Loan and lease loss provision to assets | 0.8966% | 494 |
| Net operating income to assets | 0.2027% | 5,907 |
| Return on assets (ROA) | 1.2210% | 1,839 |
| Pretax return on assets | 1.8094% | 1,025 |
| Return on Equity (ROE) | 13.7762% | 1,158 |
| Retained earnings to average equity (ytd only) | 13.7762% | 321 |
| Net charge-offs to loans | 2.8145% | 206 |
| Credit loss provision to net charge-offs | 49.1343% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.6500% | 4,995 |
| Efficiency ratio | 72.5548% | 3,221 |
| Assets per employee ($millions) | 3.7638% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8683% | 71 |
| Loan loss allowance to noncurrent loans | 216.0484% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8565% | 2,851 |
| Noncurrent loans to loans | 2.7162% | 2,086 |
| Net loans and leases to total assets | 58.9520% | 3,966 |
| Net loans and leases to deposits | 66.8545% | 4,356 |
| Net loans and leases to core deposits | 68.9625% | 4,615 |
| Total domestic deposits to total assets | 88.1796% | 1,938 |
| Equity capital to assets | 9.8809% | 4,667 |
| Core capital (leverage) ratio | 8.0784% | 6,255 |
| Tier 1 risk-based capital ratio | 14.7012% | 4,046 |
| Total risk-based capital ratio | 16.0186% | 3,956 |
| Memoranda: | ||
| Average total assets | $156,146,500 | 3,719 |
| Average earning assets | $141,098,750 | 3,751 |
| Average equity | $13,840,000 | 4,227 |
| Average total loans | $101,236,250 | 3,532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2812% | 1,090 |
| Cost of funding earning assets | 0.9829% | 1,865 |
| Net interest margin | 4.2983% | 1,484 |
| Noninterest income to average assets | 0.7139% | 2,586 |
| Noninterest expense to average assets | 3.0783% | 2,990 |
| Loan and lease loss provision to assets | 1.3290% | 298 |
| Net operating income to assets | 0.1229% | 6,106 |
| Return on assets (ROA) | 1.1176% | 2,198 |
| Pretax return on assets | 1.6227% | 1,484 |
| Return on Equity (ROE) | 13.0866% | 1,338 |
| Retained earnings to average equity (ytd only) | 13.0866% | 431 |
| Net charge-offs to loans | 3.5286% | 147 |
| Credit loss provision to net charge-offs | 57.4713% | 3,870 |
| Earnings coverage of net charge-offs (x) | 0.6530% | 4,733 |
| Efficiency ratio | 67.0897% | 4,307 |
| Assets per employee ($millions) | 3.8352% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9057% | 80 |
| Loan loss allowance to noncurrent loans | 200.7214% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 2.4054% | 2,323 |
| Noncurrent loans to loans | 2.9422% | 2,030 |
| Net loans and leases to total assets | 60.6856% | 3,686 |
| Net loans and leases to deposits | 68.1682% | 4,169 |
| Net loans and leases to core deposits | 69.9754% | 4,531 |
| Total domestic deposits to total assets | 89.0233% | 1,493 |
| Equity capital to assets | 9.0706% | 5,620 |
| Core capital (leverage) ratio | 6.6411% | 6,895 |
| Tier 1 risk-based capital ratio | 11.6972% | 6,111 |
| Total risk-based capital ratio | 13.0123% | 6,062 |
| Memoranda: | ||
| Average total assets | $158,011,000 | 3,702 |
| Average earning assets | $142,428,670 | 3,747 |
| Average equity | $13,494,670 | 4,298 |
| Average total loans | $103,552,670 | 3,483 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2867% | 1,127 |
| Cost of funding earning assets | 1.0268% | 1,834 |
| Net interest margin | 4.2599% | 1,592 |
| Noninterest income to average assets | 1.0130% | 1,393 |
| Noninterest expense to average assets | 3.1738% | 2,684 |
| Loan and lease loss provision to assets | 1.8713% | 163 |
| Net operating income to assets | -0.1412% | 6,572 |
| Return on assets (ROA) | 1.0779% | 2,360 |
| Pretax return on assets | 1.5395% | 1,771 |
| Return on Equity (ROE) | 13.0076% | 1,402 |
| Retained earnings to average equity (ytd only) | 13.0076% | 679 |
| Net charge-offs to loans | 4.7497% | 105 |
| Credit loss provision to net charge-offs | 59.6659% | 3,125 |
| Earnings coverage of net charge-offs (x) | 0.5322% | 4,073 |
| Efficiency ratio | 65.5332% | 4,648 |
| Assets per employee ($millions) | 4.0264% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8816% | 90 |
| Loan loss allowance to noncurrent loans | 123.0924% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 3.5199% | 1,628 |
| Noncurrent loans to loans | 4.7782% | 1,193 |
| Net loans and leases to total assets | 60.7482% | 3,502 |
| Net loans and leases to deposits | 68.5635% | 3,960 |
| Net loans and leases to core deposits | 70.6968% | 4,330 |
| Total domestic deposits to total assets | 88.6014% | 1,955 |
| Equity capital to assets | 8.3475% | 6,226 |
| Core capital (leverage) ratio | 6.2494% | 7,005 |
| Tier 1 risk-based capital ratio | 10.3315% | 6,786 |
| Total risk-based capital ratio | 11.6468% | 6,764 |
| Memoranda: | ||
| Average total assets | $160,313,000 | 3,682 |
| Average earning assets | $144,134,000 | 3,741 |
| Average equity | $13,284,500 | 4,354 |
| Average total loans | $105,859,500 | 3,462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 1,528 |
| Cost of funding earning assets | 1.1610% | 2,278 |
| Net interest margin | 4.1997% | 2,061 |
| Noninterest income to average assets | -0.3061% | 7,205 |
| Noninterest expense to average assets | 3.0159% | 3,535 |
| Loan and lease loss provision to assets | 5.1732% | 17 |
| Net operating income to assets | -2.7662% | 7,150 |
| Return on assets (ROA) | -2.6991% | 7,149 |
| Pretax return on assets | -4.5348% | 7,296 |
| Return on Equity (ROE) | -30.4986% | 7,097 |
| Retained earnings to average equity (ytd only) | -30.4986% | 7,090 |
| Net charge-offs to loans | 3.4280% | 231 |
| Credit loss provision to net charge-offs | 219.0068% | 1,109 |
| Earnings coverage of net charge-offs (x) | 0.2259% | 5,657 |
| Efficiency ratio | 84.9690% | 1,667 |
| Assets per employee ($millions) | 3.9893% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1429% | 83 |
| Loan loss allowance to noncurrent loans | 89.8358% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 5.2416% | 997 |
| Noncurrent loans to loans | 6.8379% | 657 |
| Net loans and leases to total assets | 63.3868% | 3,313 |
| Net loans and leases to deposits | 71.5153% | 3,871 |
| Net loans and leases to core deposits | 73.7815% | 4,273 |
| Total domestic deposits to total assets | 88.6339% | 1,763 |
| Equity capital to assets | 8.2252% | 6,412 |
| Core capital (leverage) ratio | 5.5749% | 7,092 |
| Tier 1 risk-based capital ratio | 9.2331% | 6,998 |
| Total risk-based capital ratio | 10.5526% | 6,986 |
| Memoranda: | ||
| Average total assets | $167,944,000 | 3,520 |
| Average earning assets | $154,179,200 | 3,505 |
| Average equity | $14,863,000 | 3,937 |
| Average total loans | $115,724,200 | 3,260 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3774% | 1,581 |
| Cost of funding earning assets | 1.1776% | 2,463 |
| Net interest margin | 4.1998% | 2,100 |
| Noninterest income to average assets | 0.3325% | 5,202 |
| Noninterest expense to average assets | 2.8738% | 4,043 |
| Loan and lease loss provision to assets | 3.9896% | 62 |
| Net operating income to assets | -1.5170% | 7,046 |
| Return on assets (ROA) | -1.4287% | 7,040 |
| Pretax return on assets | -2.5170% | 7,210 |
| Return on Equity (ROE) | -15.8802% | 7,033 |
| Retained earnings to average equity (ytd only) | -15.8802% | 7,008 |
| Net charge-offs to loans | 2.7558% | 371 |
| Credit loss provision to net charge-offs | 209.1245% | 1,389 |
| Earnings coverage of net charge-offs (x) | 0.6995% | 5,104 |
| Efficiency ratio | 68.2877% | 4,263 |
| Assets per employee ($millions) | 4.0555% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0392% | 381 |
| Loan loss allowance to noncurrent loans | 56.0217% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 6.1385% | 861 |
| Noncurrent loans to loans | 7.2100% | 673 |
| Net loans and leases to total assets | 66.6942% | 2,743 |
| Net loans and leases to deposits | 76.5614% | 3,238 |
| Net loans and leases to core deposits | 78.9653% | 3,779 |
| Total domestic deposits to total assets | 87.1120% | 2,582 |
| Equity capital to assets | 9.7965% | 4,628 |
| Core capital (leverage) ratio | 8.1548% | 6,194 |
| Tier 1 risk-based capital ratio | 12.8285% | 5,220 |
| Total risk-based capital ratio | 14.1183% | 5,167 |
| Memoranda: | ||
| Average total assets | $170,037,250 | 3,518 |
| Average earning assets | $156,923,500 | 3,482 |
| Average equity | $15,297,500 | 3,863 |
| Average total loans | $117,713,500 | 3,248 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3394% | 1,748 |
| Cost of funding earning assets | 1.2010% | 2,581 |
| Net interest margin | 4.1384% | 2,270 |
| Noninterest income to average assets | 0.2746% | 5,684 |
| Noninterest expense to average assets | 2.8174% | 4,352 |
| Loan and lease loss provision to assets | 4.2145% | 67 |
| Net operating income to assets | -1.6832% | 7,138 |
| Return on assets (ROA) | -1.6276% | 7,142 |
| Pretax return on assets | -2.8301% | 7,286 |
| Return on Equity (ROE) | -18.6101% | 7,135 |
| Retained earnings to average equity (ytd only) | -18.6101% | 7,117 |
| Net charge-offs to loans | 2.9974% | 345 |
| Credit loss provision to net charge-offs | 203.3538% | 1,485 |
| Earnings coverage of net charge-offs (x) | 0.6260% | 4,831 |
| Efficiency ratio | 68.4685% | 4,428 |
| Assets per employee ($millions) | 4.1505% | 3,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2018% | 762 |
| Loan loss allowance to noncurrent loans | 41.9192% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 5.5542% | 1,060 |
| Noncurrent loans to loans | 7.6381% | 617 |
| Net loans and leases to total assets | 68.2512% | 2,569 |
| Net loans and leases to deposits | 79.5744% | 2,872 |
| Net loans and leases to core deposits | 81.8921% | 3,512 |
| Total domestic deposits to total assets | 85.7703% | 3,457 |
| Equity capital to assets | 9.2110% | 5,264 |
| Core capital (leverage) ratio | 8.2077% | 6,017 |
| Tier 1 risk-based capital ratio | 13.4518% | 4,568 |
| Total risk-based capital ratio | 14.7238% | 4,527 |
| Memoranda: | ||
| Average total assets | $172,642,670 | 3,489 |
| Average earning assets | $160,205,000 | 3,439 |
| Average equity | $15,099,330 | 3,890 |
| Average total loans | $119,369,330 | 3,244 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2712% | 1,973 |
| Cost of funding earning assets | 1.2030% | 2,796 |
| Net interest margin | 4.0682% | 2,397 |
| Noninterest income to average assets | 0.1478% | 6,669 |
| Noninterest expense to average assets | 2.6598% | 4,996 |
| Loan and lease loss provision to assets | 5.9970% | 42 |
| Net operating income to assets | -2.8212% | 7,380 |
| Return on assets (ROA) | -2.8212% | 7,379 |
| Pretax return on assets | -4.7421% | 7,473 |
| Return on Equity (ROE) | -33.0867% | 7,344 |
| Retained earnings to average equity (ytd only) | -33.0867% | 7,320 |
| Net charge-offs to loans | 3.0367% | 357 |
| Credit loss provision to net charge-offs | 288.3060% | 1,110 |
| Earnings coverage of net charge-offs (x) | 0.6033% | 4,173 |
| Efficiency ratio | 67.9443% | 4,663 |
| Assets per employee ($millions) | 4.4007% | 3,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0285% | 897 |
| Loan loss allowance to noncurrent loans | 42.8893% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 4.9873% | 1,262 |
| Noncurrent loans to loans | 7.0612% | 773 |
| Net loans and leases to total assets | 65.8850% | 3,040 |
| Net loans and leases to deposits | 74.9804% | 3,592 |
| Net loans and leases to core deposits | 77.1856% | 4,134 |
| Total domestic deposits to total assets | 87.8695% | 2,448 |
| Equity capital to assets | 8.2549% | 6,216 |
| Core capital (leverage) ratio | 8.3751% | 5,677 |
| Tier 1 risk-based capital ratio | 13.5770% | 4,371 |
| Total risk-based capital ratio | 14.8421% | 4,333 |
| Memoranda: | ||
| Average total assets | $175,954,500 | 3,452 |
| Average earning assets | $162,923,500 | 3,405 |
| Average equity | $15,003,000 | 3,903 |
| Average total loans | $120,525,000 | 3,249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5918% | 1,931 |
| Cost of funding earning assets | 1.4022% | 3,255 |
| Net interest margin | 4.1896% | 2,229 |
| Noninterest income to average assets | 0.1740% | 6,497 |
| Noninterest expense to average assets | 2.7087% | 4,951 |
| Loan and lease loss provision to assets | 1.4804% | 1,007 |
| Net operating income to assets | -0.0303% | 5,894 |
| Return on assets (ROA) | 0.1196% | 5,683 |
| Pretax return on assets | 0.0146% | 5,869 |
| Return on Equity (ROE) | 1.3309% | 5,612 |
| Retained earnings to average equity (ytd only) | 0.8623% | 5,117 |
| Net charge-offs to loans | 1.4404% | 1,535 |
| Credit loss provision to net charge-offs | 148.8989% | 2,441 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 4,756 |
| Efficiency ratio | 66.8190% | 4,795 |
| Assets per employee ($millions) | 4.3970% | 3,037 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5636% | 3,723 |
| Loan loss allowance to noncurrent loans | 39.2761% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 2.9497% | 2,385 |
| Noncurrent loans to loans | 3.9810% | 1,826 |
| Net loans and leases to total assets | 67.9738% | 2,990 |
| Net loans and leases to deposits | 77.8756% | 3,531 |
| Net loans and leases to core deposits | 80.1723% | 4,186 |
| Total domestic deposits to total assets | 87.2852% | 2,678 |
| Equity capital to assets | 8.7986% | 5,434 |
| Core capital (leverage) ratio | 9.0709% | 4,410 |
| Tier 1 risk-based capital ratio | 14.3763% | 3,627 |
| Total risk-based capital ratio | 15.6404% | 3,572 |
| Memoranda: | ||
| Average total assets | $178,127,600 | 3,410 |
| Average earning assets | $164,955,400 | 3,362 |
| Average equity | $16,004,200 | 3,765 |
| Average total loans | $122,947,800 | 3,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 1,838 |
| Cost of funding earning assets | 1.4366% | 3,358 |
| Net interest margin | 4.2259% | 2,120 |
| Noninterest income to average assets | 0.1694% | 6,667 |
| Noninterest expense to average assets | 2.6227% | 5,236 |
| Loan and lease loss provision to assets | 1.4453% | 929 |
| Net operating income to assets | 0.0746% | 5,829 |
| Return on assets (ROA) | 0.1328% | 5,848 |
| Pretax return on assets | 0.0709% | 5,968 |
| Return on Equity (ROE) | 1.4708% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.8511% | 5,461 |
| Net charge-offs to loans | 1.0422% | 1,941 |
| Credit loss provision to net charge-offs | 200.9336% | 1,774 |
| Earnings coverage of net charge-offs (x) | 2.0270% | 4,203 |
| Efficiency ratio | 64.2713% | 5,196 |
| Assets per employee ($millions) | 4.4313% | 3,022 |
| Cash dividends to net income (ytd only)* | 42.1354% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,426 |
| Loan loss allowance to noncurrent loans | 26.5098% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 4.7876% | 1,376 |
| Noncurrent loans to loans | 6.1299% | 1,005 |
| Net loans and leases to total assets | 68.5124% | 3,093 |
| Net loans and leases to deposits | 79.0279% | 3,629 |
| Net loans and leases to core deposits | 81.6303% | 4,294 |
| Total domestic deposits to total assets | 86.6940% | 2,697 |
| Equity capital to assets | 9.3771% | 5,016 |
| Core capital (leverage) ratio | 8.9854% | 4,721 |
| Tier 1 risk-based capital ratio | 14.0564% | 3,793 |
| Total risk-based capital ratio | 15.3122% | 3,759 |
| Memoranda: | ||
| Average total assets | $178,689,250 | 3,439 |
| Average earning assets | $165,389,250 | 3,398 |
| Average equity | $16,136,500 | 3,785 |
| Average total loans | $123,321,750 | 3,298 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6936% | 1,792 |
| Cost of funding earning assets | 1.4819% | 3,359 |
| Net interest margin | 4.2117% | 2,119 |
| Noninterest income to average assets | 0.0670% | 7,246 |
| Noninterest expense to average assets | 2.6221% | 5,242 |
| Loan and lease loss provision to assets | 1.4924% | 889 |
| Net operating income to assets | -0.0100% | 6,091 |
| Return on assets (ROA) | 0.0458% | 6,103 |
| Pretax return on assets | -0.0647% | 6,215 |
| Return on Equity (ROE) | 0.5133% | 6,081 |
| Retained earnings to average equity (ytd only) | -0.4257% | 5,830 |
| Net charge-offs to loans | 0.7722% | 2,315 |
| Credit loss provision to net charge-offs | 280.8824% | 1,319 |
| Earnings coverage of net charge-offs (x) | 2.5231% | 3,738 |
| Efficiency ratio | 66.1690% | 4,953 |
| Assets per employee ($millions) | 4.4558% | 2,951 |
| Cash dividends to net income (ytd only)* | 182.9268% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5183% | 3,823 |
| Loan loss allowance to noncurrent loans | 52.9510% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 2.2342% | 3,218 |
| Noncurrent loans to loans | 2.8673% | 2,787 |
| Net loans and leases to total assets | 68.8913% | 3,153 |
| Net loans and leases to deposits | 79.1301% | 3,773 |
| Net loans and leases to core deposits | 79.1301% | 4,787 |
| Total domestic deposits to total assets | 87.0608% | 2,498 |
| Equity capital to assets | 9.0679% | 5,341 |
| Core capital (leverage) ratio | 8.7820% | 4,947 |
| Tier 1 risk-based capital ratio | 13.8471% | 3,839 |
| Total risk-based capital ratio | 15.1105% | 3,795 |
| Memoranda: | ||
| Average total assets | $179,168,670 | 3,451 |
| Average earning assets | $165,730,670 | 3,416 |
| Average equity | $15,975,000 | 3,805 |
| Average total loans | $123,280,670 | 3,340 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6227% | 2,060 |
| Cost of funding earning assets | 1.5199% | 3,421 |
| Net interest margin | 4.1029% | 2,423 |
| Noninterest income to average assets | -0.0178% | 7,696 |
| Noninterest expense to average assets | 2.6632% | 5,092 |
| Loan and lease loss provision to assets | 2.3648% | 449 |
| Net operating income to assets | -0.6775% | 6,944 |
| Return on assets (ROA) | -0.6190% | 6,942 |
| Pretax return on assets | -1.1735% | 7,132 |
| Return on Equity (ROE) | -7.0019% | 6,993 |
| Retained earnings to average equity (ytd only) | -7.0019% | 6,742 |
| Net charge-offs to loans | 0.9626% | 1,691 |
| Credit loss provision to net charge-offs | 360.0000% | 1,126 |
| Earnings coverage of net charge-offs (x) | 1.6746% | 3,731 |
| Efficiency ratio | 70.7692% | 4,162 |
| Assets per employee ($millions) | 4.5480% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 4,125 |
| Loan loss allowance to noncurrent loans | 69.1923% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 4,164 |
| Noncurrent loans to loans | 2.1118% | 3,639 |
| Net loans and leases to total assets | 66.6887% | 3,701 |
| Net loans and leases to deposits | 76.7212% | 4,278 |
| Net loans and leases to core deposits | 76.7212% | 5,164 |
| Total domestic deposits to total assets | 86.9234% | 2,671 |
| Equity capital to assets | 8.6631% | 5,788 |
| Core capital (leverage) ratio | 8.4219% | 5,519 |
| Tier 1 risk-based capital ratio | 13.6257% | 3,912 |
| Total risk-based capital ratio | 14.8787% | 3,867 |
| Memoranda: | ||
| Average total assets | $179,636,500 | 3,504 |
| Average earning assets | $165,542,500 | 3,470 |
| Average equity | $15,881,500 | 3,850 |
| Average total loans | $122,581,000 | 3,417 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1225% | 1,456 |
| Cost of funding earning assets | 2.0208% | 2,861 |
| Net interest margin | 4.1017% | 2,438 |
| Noninterest income to average assets | 0.5216% | 4,247 |
| Noninterest expense to average assets | 2.6526% | 5,586 |
| Loan and lease loss provision to assets | 0.5748% | 3,505 |
| Net operating income to assets | 0.7333% | 2,799 |
| Return on assets (ROA) | 0.7333% | 2,878 |
| Pretax return on assets | 1.0952% | 2,271 |
| Return on Equity (ROE) | 8.2012% | 2,291 |
| Retained earnings to average equity (ytd only) | 8.2012% | 649 |
| Net charge-offs to loans | 0.7372% | 2,980 |
| Credit loss provision to net charge-offs | 105.6730% | 5,244 |
| Earnings coverage of net charge-offs (x) | 3.0701% | 3,533 |
| Efficiency ratio | 61.3662% | 6,269 |
| Assets per employee ($millions) | 4.4338% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8456% | 6,996 |
| Loan loss allowance to noncurrent loans | 46.5704% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 4,527 |
| Noncurrent loans to loans | 1.8158% | 3,904 |
| Net loans and leases to total assets | 68.2317% | 3,651 |
| Net loans and leases to deposits | 78.9261% | 4,184 |
| Net loans and leases to core deposits | 98.7265% | 4,148 |
| Total domestic deposits to total assets | 86.4502% | 2,791 |
| Equity capital to assets | 9.0232% | 5,110 |
| Core capital (leverage) ratio | 8.7995% | 4,771 |
| Tier 1 risk-based capital ratio | 13.8690% | 3,586 |
| Total risk-based capital ratio | 14.7694% | 3,752 |
| Memoranda: | ||
| Average total assets | $165,273,400 | 3,685 |
| Average earning assets | $153,156,600 | 3,651 |
| Average equity | $14,778,400 | 4,102 |
| Average total loans | $121,941,200 | 3,443 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2689% | 1,202 |
| Cost of funding earning assets | 2.0952% | 2,908 |
| Net interest margin | 4.1736% | 2,140 |
| Noninterest income to average assets | 0.5177% | 4,335 |
| Noninterest expense to average assets | 2.8260% | 4,782 |
| Loan and lease loss provision to assets | 0.3903% | 3,973 |
| Net operating income to assets | 0.7946% | 2,840 |
| Return on assets (ROA) | 0.7946% | 2,900 |
| Pretax return on assets | 1.1710% | 2,350 |
| Return on Equity (ROE) | 8.9088% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.9088% | 869 |
| Net charge-offs to loans | 0.6376% | 2,771 |
| Credit loss provision to net charge-offs | 81.4751% | 5,719 |
| Earnings coverage of net charge-offs (x) | 3.2590% | 3,608 |
| Efficiency ratio | 64.4128% | 5,675 |
| Assets per employee ($millions) | 4.5524% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 7,344 |
| Loan loss allowance to noncurrent loans | 58.6300% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 5,396 |
| Noncurrent loans to loans | 1.2091% | 4,925 |
| Net loans and leases to total assets | 67.1485% | 4,148 |
| Net loans and leases to deposits | 78.3411% | 4,691 |
| Net loans and leases to core deposits | 100.5990% | 4,306 |
| Total domestic deposits to total assets | 85.7130% | 2,854 |
| Equity capital to assets | 8.8278% | 5,740 |
| Core capital (leverage) ratio | 9.1892% | 4,353 |
| Tier 1 risk-based capital ratio | 13.3850% | 3,936 |
| Total risk-based capital ratio | 14.1317% | 4,213 |
| Memoranda: | ||
| Average total assets | $162,253,500 | 3,756 |
| Average earning assets | $150,433,000 | 3,717 |
| Average equity | $14,472,250 | 4,195 |
| Average total loans | $121,915,750 | 3,479 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4188% | 969 |
| Cost of funding earning assets | 2.1576% | 2,998 |
| Net interest margin | 4.2612% | 1,778 |
| Noninterest income to average assets | 0.5320% | 4,166 |
| Noninterest expense to average assets | 3.0853% | 3,759 |
| Loan and lease loss provision to assets | 0.3213% | 4,015 |
| Net operating income to assets | 0.7350% | 3,115 |
| Return on assets (ROA) | 0.7350% | 3,219 |
| Pretax return on assets | 1.0846% | 2,692 |
| Return on Equity (ROE) | 8.2078% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.2078% | 1,151 |
| Net charge-offs to loans | 0.4889% | 2,870 |
| Credit loss provision to net charge-offs | 84.1751% | 5,085 |
| Earnings coverage of net charge-offs (x) | 3.6835% | 3,342 |
| Efficiency ratio | 68.6981% | 5,033 |
| Assets per employee ($millions) | 4.1329% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 7,285 |
| Loan loss allowance to noncurrent loans | 126.2162% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.5414% | 6,077 |
| Noncurrent loans to loans | 0.5992% | 6,060 |
| Net loans and leases to total assets | 74.1356% | 2,669 |
| Net loans and leases to deposits | 87.4652% | 3,270 |
| Net loans and leases to core deposits | 117.3500% | 2,604 |
| Total domestic deposits to total assets | 84.7601% | 3,374 |
| Equity capital to assets | 8.6380% | 5,839 |
| Core capital (leverage) ratio | 8.7626% | 4,988 |
| Tier 1 risk-based capital ratio | 12.3885% | 4,610 |
| Total risk-based capital ratio | 13.2007% | 4,878 |
| Memoranda: | ||
| Average total assets | $155,639,670 | 3,913 |
| Average earning assets | $144,607,000 | 3,848 |
| Average equity | $13,938,000 | 4,317 |
| Average total loans | $121,505,330 | 3,505 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5817% | 740 |
| Cost of funding earning assets | 2.1596% | 3,372 |
| Net interest margin | 4.4221% | 1,294 |
| Noninterest income to average assets | 0.5491% | 3,926 |
| Noninterest expense to average assets | 3.3130% | 2,622 |
| Loan and lease loss provision to assets | 0.1989% | 4,449 |
| Net operating income to assets | 0.7586% | 3,303 |
| Return on assets (ROA) | 0.7586% | 3,479 |
| Pretax return on assets | 1.1379% | 2,837 |
| Return on Equity (ROE) | 8.3097% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.3097% | 1,702 |
| Net charge-offs to loans | 0.5941% | 1,989 |
| Credit loss provision to net charge-offs | 41.8994% | 4,799 |
| Earnings coverage of net charge-offs (x) | 2.8156% | 3,373 |
| Efficiency ratio | 71.2493% | 4,318 |
| Assets per employee ($millions) | 3.7891% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7257% | 7,368 |
| Loan loss allowance to noncurrent loans | 213.9024% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3873% | 6,342 |
| Noncurrent loans to loans | 0.3393% | 6,583 |
| Net loans and leases to total assets | 79.1567% | 1,546 |
| Net loans and leases to deposits | 95.6280% | 2,004 |
| Net loans and leases to core deposits | 123.0379% | 2,163 |
| Total domestic deposits to total assets | 82.7756% | 4,255 |
| Equity capital to assets | 9.1565% | 5,141 |
| Core capital (leverage) ratio | 9.1074% | 4,546 |
| Tier 1 risk-based capital ratio | 12.5533% | 4,508 |
| Total risk-based capital ratio | 13.3454% | 4,777 |
| Memoranda: | ||
| Average total assets | $150,801,500 | 3,997 |
| Average earning assets | $139,841,500 | 3,961 |
| Average equity | $13,767,000 | 4,386 |
| Average total loans | $120,512,000 | 3,545 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0046% | 1,120 |
| Cost of funding earning assets | 2.2527% | 5,356 |
| Net interest margin | 4.7519% | 861 |
| Noninterest income to average assets | 0.6204% | 3,712 |
| Noninterest expense to average assets | 3.1590% | 3,484 |
| Loan and lease loss provision to assets | 0.1208% | 5,812 |
| Net operating income to assets | 1.1961% | 1,783 |
| Return on assets (ROA) | 1.1961% | 1,713 |
| Pretax return on assets | 1.7525% | 1,046 |
| Return on Equity (ROE) | 13.2201% | 1,278 |
| Retained earnings to average equity (ytd only) | 10.8636% | 340 |
| Net charge-offs to loans | 0.1398% | 4,823 |
| Credit loss provision to net charge-offs | 108.2803% | 4,963 |
| Earnings coverage of net charge-offs (x) | 16.7898% | 1,816 |
| Efficiency ratio | 62.7736% | 5,820 |
| Assets per employee ($millions) | 3.6595% | 4,266 |
| Cash dividends to net income (ytd only)* | 17.8253% | 4,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 7,041 |
| Loan loss allowance to noncurrent loans | 255.4688% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 6,553 |
| Noncurrent loans to loans | 0.3195% | 6,415 |
| Net loans and leases to total assets | 79.4413% | 1,791 |
| Net loans and leases to deposits | 97.6904% | 2,173 |
| Net loans and leases to core deposits | 125.0569% | 2,248 |
| Total domestic deposits to total assets | 81.3195% | 4,503 |
| Equity capital to assets | 9.1016% | 5,222 |
| Core capital (leverage) ratio | 9.0854% | 4,619 |
| Tier 1 risk-based capital ratio | 12.1754% | 4,686 |
| Total risk-based capital ratio | 13.0529% | 4,893 |
| Memoranda: | ||
| Average total assets | $140,711,000 | 4,072 |
| Average earning assets | $130,642,400 | 4,032 |
| Average equity | $12,730,600 | 4,640 |
| Average total loans | $112,265,400 | 3,628 |