Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7903% | 1,599 |
| Cost of funding earning assets | 2.4166% | 1,321 |
| Net interest margin | 3.3737% | 2,340 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 1.9584% | 3,684 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.1205% | 1,688 |
| Return on assets (ROA) | 1.1206% | 1,693 |
| Pretax return on assets | 1.4840% | 1,311 |
| Return on Equity (ROE) | 11.3700% | 1,774 |
| Retained earnings to average equity (ytd only) | 9.1523% | 754 |
| Net charge-offs to loans | 0.0031% | 2,876 |
| Credit loss provision to net charge-offs | 5,000.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 729.8333% | 182 |
| Efficiency ratio | 55.1447% | 3,640 |
| Assets per employee ($millions) | 9.6045% | 871 |
| Cash dividends to net income (ytd only)* | 19.4774% | 2,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 1,802 |
| Loan loss allowance to noncurrent loans | 7,647.0588% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,669 |
| Noncurrent loans to loans | 0.0166% | 3,637 |
| Net loans and leases to total assets | 67.7300% | 2,174 |
| Net loans and leases to deposits | 76.4818% | 2,406 |
| Net loans and leases to core deposits | 93.0456% | 1,910 |
| Total domestic deposits to total assets | 88.5600% | 1,311 |
| Equity capital to assets | 9.5715% | 2,406 |
| Core capital (leverage) ratio | 10.7120% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7674% | 1,328 |
| Memoranda: | ||
| Average total assets | $549,779,800 | 1,655 |
| Average earning assets | $516,343,000 | 1,637 |
| Average equity | $54,205,000 | 1,625 |
| Average total loans | $387,643,800 | 1,569 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7279% | 1,670 |
| Cost of funding earning assets | 2.3824% | 1,369 |
| Net interest margin | 3.3455% | 2,355 |
| Noninterest income to average assets | 0.3700% | 2,610 |
| Noninterest expense to average assets | 1.9687% | 3,627 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 1.0444% | 1,918 |
| Return on assets (ROA) | 1.0446% | 1,926 |
| Pretax return on assets | 1.4369% | 1,429 |
| Return on Equity (ROE) | 10.5100% | 2,052 |
| Retained earnings to average equity (ytd only) | 8.2678% | 1,314 |
| Net charge-offs to loans | 0.0035% | 2,595 |
| Credit loss provision to net charge-offs | 4,500.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 625.1000% | 205 |
| Efficiency ratio | 55.9789% | 3,554 |
| Assets per employee ($millions) | 8.8859% | 1,101 |
| Cash dividends to net income (ytd only)* | 21.3371% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 1,936 |
| Loan loss allowance to noncurrent loans | 7,115.4930% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 3,693 |
| Noncurrent loans to loans | 0.0176% | 3,679 |
| Net loans and leases to total assets | 71.2900% | 1,701 |
| Net loans and leases to deposits | 81.2227% | 2,059 |
| Net loans and leases to core deposits | 100.6261% | 1,443 |
| Total domestic deposits to total assets | 87.7700% | 1,313 |
| Equity capital to assets | 10.1845% | 2,172 |
| Core capital (leverage) ratio | 11.0218% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7750% | 1,340 |
| Memoranda: | ||
| Average total assets | $538,355,000 | 1,676 |
| Average earning assets | $505,696,000 | 1,663 |
| Average equity | $53,507,250 | 1,639 |
| Average total loans | $382,427,250 | 1,581 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 1,790 |
| Cost of funding earning assets | 2.2933% | 1,455 |
| Net interest margin | 3.2976% | 2,419 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 1.9913% | 3,580 |
| Loan and lease loss provision to assets | 0.1100% | 1,067 |
| Net operating income to assets | 0.9974% | 2,006 |
| Return on assets (ROA) | 0.9974% | 2,010 |
| Pretax return on assets | 1.3667% | 1,556 |
| Return on Equity (ROE) | 10.1200% | 2,140 |
| Retained earnings to average equity (ytd only) | 7.8298% | 1,418 |
| Net charge-offs to loans | 0.0037% | 2,340 |
| Credit loss provision to net charge-offs | 4,285.7143% | 123 |
| Earnings coverage of net charge-offs (x) | 561.4286% | 219 |
| Efficiency ratio | 57.3706% | 3,452 |
| Assets per employee ($millions) | 8.3424% | 1,273 |
| Cash dividends to net income (ytd only)* | 22.6501% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 1,956 |
| Loan loss allowance to noncurrent loans | 6,540.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 3,662 |
| Noncurrent loans to loans | 0.0192% | 3,644 |
| Net loans and leases to total assets | 71.1700% | 1,760 |
| Net loans and leases to deposits | 81.2383% | 2,090 |
| Net loans and leases to core deposits | 101.1167% | 1,415 |
| Total domestic deposits to total assets | 87.6100% | 1,450 |
| Equity capital to assets | 9.9003% | 2,134 |
| Core capital (leverage) ratio | 11.4797% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7519% | 1,333 |
| Memoranda: | ||
| Average total assets | $531,202,667 | 1,692 |
| Average earning assets | $499,270,667 | 1,671 |
| Average equity | $52,338,333 | 1,642 |
| Average total loans | $375,193,000 | 1,597 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4939% | 1,826 |
| Cost of funding earning assets | 2.2273% | 1,493 |
| Net interest margin | 3.2666% | 2,414 |
| Noninterest income to average assets | 0.4000% | 2,294 |
| Noninterest expense to average assets | 2.0286% | 3,507 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 1.0288% | 1,860 |
| Return on assets (ROA) | 1.0288% | 1,865 |
| Pretax return on assets | 1.3347% | 1,560 |
| Return on Equity (ROE) | 10.4700% | 1,994 |
| Retained earnings to average equity (ytd only) | 8.1448% | 1,517 |
| Net charge-offs to loans | 0.0011% | 2,185 |
| Credit loss provision to net charge-offs | 15,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,904.0000% | 32 |
| Efficiency ratio | 58.3370% | 3,408 |
| Assets per employee ($millions) | 8.3068% | 1,281 |
| Cash dividends to net income (ytd only)* | 22.1893% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 1,944 |
| Loan loss allowance to noncurrent loans | 4,959.3750% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 3,637 |
| Noncurrent loans to loans | 0.0254% | 3,595 |
| Net loans and leases to total assets | 71.2100% | 1,657 |
| Net loans and leases to deposits | 80.7429% | 2,004 |
| Net loans and leases to core deposits | 100.9721% | 1,359 |
| Total domestic deposits to total assets | 88.2000% | 1,359 |
| Equity capital to assets | 9.9110% | 2,068 |
| Core capital (leverage) ratio | 11.4325% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0443% | 1,261 |
| Memoranda: | ||
| Average total assets | $525,677,000 | 1,709 |
| Average earning assets | $495,311,000 | 1,690 |
| Average equity | $51,665,000 | 1,652 |
| Average total loans | $367,368,000 | 1,617 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 1,893 |
| Cost of funding earning assets | 1.7406% | 1,374 |
| Net interest margin | 3.3428% | 2,529 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.0476% | 3,520 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.0643% | 2,024 |
| Return on assets (ROA) | 1.0645% | 1,993 |
| Pretax return on assets | 1.4295% | 1,576 |
| Return on Equity (ROE) | 11.0800% | 2,203 |
| Retained earnings to average equity (ytd only) | 8.5928% | 1,368 |
| Net charge-offs to loans | 0.0060% | 2,479 |
| Credit loss provision to net charge-offs | 2,857.1429% | 171 |
| Earnings coverage of net charge-offs (x) | 370.5714% | 374 |
| Efficiency ratio | 56.9365% | 3,402 |
| Assets per employee ($millions) | 8.0004% | 1,440 |
| Cash dividends to net income (ytd only)* | 22.4341% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 1,813 |
| Loan loss allowance to noncurrent loans | 4,310.2804% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 3,596 |
| Noncurrent loans to loans | 0.0299% | 3,523 |
| Net loans and leases to total assets | 66.7900% | 2,170 |
| Net loans and leases to deposits | 76.0271% | 2,450 |
| Net loans and leases to core deposits | 94.0345% | 1,773 |
| Total domestic deposits to total assets | 87.8500% | 1,404 |
| Equity capital to assets | 9.7463% | 2,162 |
| Core capital (leverage) ratio | 11.1713% | 1,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2636% | 1,214 |
| Memoranda: | ||
| Average total assets | $502,490,000 | 1,721 |
| Average earning assets | $470,535,400 | 1,710 |
| Average equity | $48,284,600 | 1,651 |
| Average total loans | $352,890,600 | 1,603 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9310% | 1,997 |
| Cost of funding earning assets | 1.6026% | 1,369 |
| Net interest margin | 3.3285% | 2,623 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.0175% | 3,550 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0159% | 2,319 |
| Return on assets (ROA) | 1.0162% | 2,301 |
| Pretax return on assets | 1.3771% | 1,831 |
| Return on Equity (ROE) | 10.6200% | 2,476 |
| Retained earnings to average equity (ytd only) | 8.0885% | 1,931 |
| Net charge-offs to loans | 0.0015% | 2,545 |
| Credit loss provision to net charge-offs | 11,250.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,393.2500% | 114 |
| Efficiency ratio | 57.3930% | 3,272 |
| Assets per employee ($millions) | 7.9357% | 1,376 |
| Cash dividends to net income (ytd only)* | 23.8032% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,159 |
| Loan loss allowance to noncurrent loans | 7,340.9836% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,730 |
| Noncurrent loans to loans | 0.0169% | 3,665 |
| Net loans and leases to total assets | 70.1100% | 1,814 |
| Net loans and leases to deposits | 80.0808% | 2,043 |
| Net loans and leases to core deposits | 99.4767% | 1,347 |
| Total domestic deposits to total assets | 87.5500% | 1,718 |
| Equity capital to assets | 9.5159% | 2,085 |
| Core capital (leverage) ratio | 11.2935% | 1,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6965% | 1,381 |
| Memoranda: | ||
| Average total assets | $496,105,750 | 1,737 |
| Average earning assets | $463,746,500 | 1,730 |
| Average equity | $47,490,000 | 1,659 |
| Average total loans | $351,789,750 | 1,606 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7194% | 2,166 |
| Cost of funding earning assets | 1.4008% | 1,446 |
| Net interest margin | 3.3186% | 2,709 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.0042% | 3,586 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.9896% | 2,455 |
| Return on assets (ROA) | 0.9899% | 2,442 |
| Pretax return on assets | 1.3658% | 1,900 |
| Return on Equity (ROE) | 10.3200% | 2,618 |
| Retained earnings to average equity (ytd only) | 7.7780% | 2,042 |
| Net charge-offs to loans | 0.0011% | 2,365 |
| Credit loss provision to net charge-offs | 15,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,830.0000% | 74 |
| Efficiency ratio | 57.4022% | 3,268 |
| Assets per employee ($millions) | 7.6375% | 1,517 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,365 |
| Loan loss allowance to noncurrent loans | 6,464.1791% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0135% | 3,706 |
| Noncurrent loans to loans | 0.0188% | 3,627 |
| Net loans and leases to total assets | 70.8100% | 1,657 |
| Net loans and leases to deposits | 81.2631% | 1,889 |
| Net loans and leases to core deposits | 101.1627% | 1,176 |
| Total domestic deposits to total assets | 87.1300% | 1,887 |
| Equity capital to assets | 9.6232% | 2,080 |
| Core capital (leverage) ratio | 11.3614% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3766% | 1,461 |
| Memoranda: | ||
| Average total assets | $492,178,667 | 1,742 |
| Average earning assets | $459,596,333 | 1,737 |
| Average equity | $47,210,000 | 1,670 |
| Average total loans | $348,867,000 | 1,605 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5478% | 2,194 |
| Cost of funding earning assets | 1.1339% | 1,653 |
| Net interest margin | 3.4139% | 2,597 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.0169% | 3,591 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.0995% | 2,228 |
| Return on assets (ROA) | 1.0995% | 2,195 |
| Pretax return on assets | 1.4521% | 1,764 |
| Return on Equity (ROE) | 11.4800% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.9242% | 1,969 |
| Net charge-offs to loans | -0.0023% | 3,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.1591% | 3,396 |
| Assets per employee ($millions) | 7.6737% | 1,520 |
| Cash dividends to net income (ytd only)* | 22.2717% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,565 |
| Loan loss allowance to noncurrent loans | 5,892.9577% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,710 |
| Noncurrent loans to loans | 0.0203% | 3,632 |
| Net loans and leases to total assets | 69.2000% | 1,704 |
| Net loans and leases to deposits | 79.8438% | 1,825 |
| Net loans and leases to core deposits | 95.1089% | 1,326 |
| Total domestic deposits to total assets | 86.6700% | 2,382 |
| Equity capital to assets | 9.5352% | 2,114 |
| Core capital (leverage) ratio | 11.4072% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2094% | 1,571 |
| Memoranda: | ||
| Average total assets | $490,050,000 | 1,766 |
| Average earning assets | $457,188,500 | 1,752 |
| Average equity | $46,928,500 | 1,690 |
| Average total loans | $345,379,500 | 1,635 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6713% | 2,609 |
| Cost of funding earning assets | 0.4738% | 1,559 |
| Net interest margin | 3.1975% | 2,871 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.8799% | 3,875 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1629% | 1,924 |
| Return on assets (ROA) | 1.1529% | 1,904 |
| Pretax return on assets | 1.5251% | 1,383 |
| Return on Equity (ROE) | 12.3800% | 2,011 |
| Retained earnings to average equity (ytd only) | 10.2059% | 1,095 |
| Net charge-offs to loans | -0.0006% | 3,320 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.4227% | 3,759 |
| Assets per employee ($millions) | 7.6398% | 1,522 |
| Cash dividends to net income (ytd only)* | 17.5871% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,053 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 3,696 |
| Noncurrent loans to loans | 0.0223% | 3,640 |
| Net loans and leases to total assets | 70.0300% | 1,639 |
| Net loans and leases to deposits | 80.1443% | 1,761 |
| Net loans and leases to core deposits | 89.8953% | 1,509 |
| Total domestic deposits to total assets | 87.3800% | 2,277 |
| Equity capital to assets | 9.6188% | 1,926 |
| Core capital (leverage) ratio | 10.6845% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2500% | 1,548 |
| Memoranda: | ||
| Average total assets | $493,209,600 | 1,738 |
| Average earning assets | $464,145,800 | 1,715 |
| Average equity | $45,914,800 | 1,732 |
| Average total loans | $311,565,800 | 1,671 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4114% | 2,883 |
| Cost of funding earning assets | 0.3629% | 1,587 |
| Net interest margin | 3.0485% | 3,082 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.8377% | 3,904 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.0808% | 2,169 |
| Return on assets (ROA) | 1.0808% | 2,133 |
| Pretax return on assets | 1.4274% | 1,639 |
| Return on Equity (ROE) | 11.7000% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.5212% | 1,478 |
| Net charge-offs to loans | -0.0004% | 3,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.6650% | 3,655 |
| Assets per employee ($millions) | 8.3495% | 1,144 |
| Cash dividends to net income (ytd only)* | 18.6474% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3320% | 1,879 |
| Loan loss allowance to noncurrent loans | 2,896.6216% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 3,482 |
| Noncurrent loans to loans | 0.0460% | 3,555 |
| Net loans and leases to total assets | 63.3900% | 2,154 |
| Net loans and leases to deposits | 71.0051% | 2,289 |
| Net loans and leases to core deposits | 76.4359% | 2,168 |
| Total domestic deposits to total assets | 89.2700% | 1,973 |
| Equity capital to assets | 8.7964% | 2,349 |
| Core capital (leverage) ratio | 10.3144% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8073% | 1,480 |
| Memoranda: | ||
| Average total assets | $496,185,000 | 1,735 |
| Average earning assets | $467,758,750 | 1,713 |
| Average equity | $45,819,500 | 1,755 |
| Average total loans | $304,107,500 | 1,695 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2064% | 3,022 |
| Cost of funding earning assets | 0.3093% | 1,638 |
| Net interest margin | 2.8971% | 3,180 |
| Noninterest income to average assets | 0.4699% | 2,352 |
| Noninterest expense to average assets | 1.8104% | 3,926 |
| Loan and lease loss provision to assets | 0.0364% | 1,934 |
| Net operating income to assets | 1.0251% | 2,070 |
| Return on assets (ROA) | 1.0251% | 2,037 |
| Pretax return on assets | 1.3579% | 1,560 |
| Return on Equity (ROE) | 10.9259% | 2,004 |
| Retained earnings to average equity (ytd only) | 8.7709% | 1,352 |
| Net charge-offs to loans | 0.0007% | 2,133 |
| Credit loss provision to net charge-offs | 9,000.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 3,448.0000% | 23 |
| Efficiency ratio | 56.4921% | 3,723 |
| Assets per employee ($millions) | 8.5216% | 1,059 |
| Cash dividends to net income (ytd only)* | 19.7239% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,825 |
| Loan loss allowance to noncurrent loans | 2,734.8387% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,548 |
| Noncurrent loans to loans | 0.0506% | 3,569 |
| Net loans and leases to total assets | 60.1366% | 2,312 |
| Net loans and leases to deposits | 67.3189% | 2,442 |
| Net loans and leases to core deposits | 72.2057% | 2,317 |
| Total domestic deposits to total assets | 89.3309% | 2,033 |
| Equity capital to assets | 8.7306% | 2,592 |
| Core capital (leverage) ratio | 9.9880% | 2,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3553% | 1,340 |
| Memoranda: | ||
| Average total assets | $494,590,333 | 1,741 |
| Average earning assets | $466,877,000 | 1,731 |
| Average equity | $46,403,667 | 1,782 |
| Average total loans | $298,198,000 | 1,710 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0785% | 3,042 |
| Cost of funding earning assets | 0.2978% | 1,680 |
| Net interest margin | 2.7807% | 3,198 |
| Noninterest income to average assets | 0.4811% | 2,229 |
| Noninterest expense to average assets | 1.7916% | 3,956 |
| Loan and lease loss provision to assets | 0.0367% | 1,702 |
| Net operating income to assets | 0.9370% | 2,122 |
| Return on assets (ROA) | 0.9370% | 2,114 |
| Pretax return on assets | 1.2877% | 1,546 |
| Return on Equity (ROE) | 9.6437% | 2,105 |
| Retained earnings to average equity (ytd only) | 7.5454% | 1,719 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4980% | 3,736 |
| Assets per employee ($millions) | 9.2170% | 852 |
| Cash dividends to net income (ytd only)* | 21.7581% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4224% | 1,823 |
| Loan loss allowance to noncurrent loans | 2,621.8750% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 3,599 |
| Noncurrent loans to loans | 0.0543% | 3,594 |
| Net loans and leases to total assets | 56.3274% | 2,501 |
| Net loans and leases to deposits | 63.2400% | 2,598 |
| Net loans and leases to core deposits | 68.7449% | 2,392 |
| Total domestic deposits to total assets | 89.0693% | 2,049 |
| Equity capital to assets | 8.9761% | 2,728 |
| Core capital (leverage) ratio | 10.3121% | 2,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7873% | 1,312 |
| Memoranda: | ||
| Average total assets | $490,499,500 | 1,766 |
| Average earning assets | $464,768,000 | 1,742 |
| Average equity | $47,658,000 | 1,801 |
| Average total loans | $294,002,500 | 1,723 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4880% | 2,692 |
| Cost of funding earning assets | 0.3804% | 1,681 |
| Net interest margin | 3.1076% | 2,882 |
| Noninterest income to average assets | 0.5856% | 2,223 |
| Noninterest expense to average assets | 2.0545% | 3,518 |
| Loan and lease loss provision to assets | 0.0343% | 2,370 |
| Net operating income to assets | 1.0739% | 2,395 |
| Return on assets (ROA) | 1.0775% | 2,452 |
| Pretax return on assets | 1.4207% | 1,978 |
| Return on Equity (ROE) | 11.4250% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.7259% | 984 |
| Net charge-offs to loans | -0.0227% | 4,025 |
| Credit loss provision to net charge-offs | -245.9016% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6180% | 3,342 |
| Assets per employee ($millions) | 8.1552% | 1,245 |
| Cash dividends to net income (ytd only)* | 14.8715% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 1,859 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,641 |
| Noncurrent loans to loans | 0.0566% | 3,670 |
| Net loans and leases to total assets | 62.1548% | 1,919 |
| Net loans and leases to deposits | 71.1507% | 2,001 |
| Net loans and leases to core deposits | 77.6501% | 1,790 |
| Total domestic deposits to total assets | 87.3565% | 2,357 |
| Equity capital to assets | 10.5380% | 2,135 |
| Core capital (leverage) ratio | 10.3630% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9923% | 1,264 |
| Memoranda: | ||
| Average total assets | $436,838,400 | 1,873 |
| Average earning assets | $410,378,600 | 1,867 |
| Average equity | $41,199,200 | 2,042 |
| Average total loans | $269,283,000 | 1,840 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5609% | 2,662 |
| Cost of funding earning assets | 0.3817% | 1,846 |
| Net interest margin | 3.1792% | 2,794 |
| Noninterest income to average assets | 0.6123% | 2,164 |
| Noninterest expense to average assets | 2.0730% | 3,447 |
| Loan and lease loss provision to assets | 0.0465% | 2,070 |
| Net operating income to assets | 1.1112% | 2,511 |
| Return on assets (ROA) | 1.1161% | 2,548 |
| Pretax return on assets | 1.4777% | 2,054 |
| Return on Equity (ROE) | 12.2214% | 1,971 |
| Retained earnings to average equity (ytd only) | 10.4381% | 1,188 |
| Net charge-offs to loans | -0.0309% | 4,144 |
| Credit loss provision to net charge-offs | -245.9016% | 3,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7265% | 3,314 |
| Assets per employee ($millions) | 8.0212% | 1,259 |
| Cash dividends to net income (ytd only)* | 14.5914% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 1,681 |
| Loan loss allowance to noncurrent loans | 2,399.4220% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,809 |
| Noncurrent loans to loans | 0.0620% | 3,788 |
| Net loans and leases to total assets | 58.0725% | 2,482 |
| Net loans and leases to deposits | 65.3089% | 2,696 |
| Net loans and leases to core deposits | 70.9066% | 2,521 |
| Total domestic deposits to total assets | 88.9198% | 1,328 |
| Equity capital to assets | 8.9403% | 3,886 |
| Core capital (leverage) ratio | 9.0677% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3347% | 1,852 |
| Memoranda: | ||
| Average total assets | $429,835,750 | 1,916 |
| Average earning assets | $402,730,250 | 1,909 |
| Average equity | $39,252,500 | 2,133 |
| Average total loans | $263,334,750 | 1,897 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 2,654 |
| Cost of funding earning assets | 0.3892% | 1,976 |
| Net interest margin | 3.2016% | 2,751 |
| Noninterest income to average assets | 0.6385% | 2,052 |
| Noninterest expense to average assets | 2.1205% | 3,330 |
| Loan and lease loss provision to assets | 0.0722% | 1,622 |
| Net operating income to assets | 1.1070% | 2,519 |
| Return on assets (ROA) | 1.1070% | 2,585 |
| Pretax return on assets | 1.4599% | 2,139 |
| Return on Equity (ROE) | 12.0262% | 2,051 |
| Retained earnings to average equity (ytd only) | 10.1953% | 1,344 |
| Net charge-offs to loans | -0.0077% | 3,574 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0543% | 3,277 |
| Assets per employee ($millions) | 7.8970% | 1,261 |
| Cash dividends to net income (ytd only)* | 15.2240% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 1,362 |
| Loan loss allowance to noncurrent loans | 2,303.3708% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 3,872 |
| Noncurrent loans to loans | 0.0681% | 3,851 |
| Net loans and leases to total assets | 57.1847% | 2,767 |
| Net loans and leases to deposits | 64.5395% | 2,942 |
| Net loans and leases to core deposits | 70.3560% | 2,745 |
| Total domestic deposits to total assets | 88.6042% | 1,503 |
| Equity capital to assets | 9.1118% | 3,697 |
| Core capital (leverage) ratio | 9.2416% | 3,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1594% | 1,575 |
| Memoranda: | ||
| Average total assets | $415,365,000 | 1,951 |
| Average earning assets | $391,057,000 | 1,950 |
| Average equity | $38,233,333 | 2,164 |
| Average total loans | $258,120,333 | 1,923 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9409% | 1,723 |
| Cost of funding earning assets | 0.4014% | 2,084 |
| Net interest margin | 3.5396% | 1,727 |
| Noninterest income to average assets | 0.7136% | 1,831 |
| Noninterest expense to average assets | 2.1398% | 3,304 |
| Loan and lease loss provision to assets | 0.0754% | 1,676 |
| Net operating income to assets | 1.3669% | 1,644 |
| Return on assets (ROA) | 1.3669% | 1,729 |
| Pretax return on assets | 1.8222% | 1,251 |
| Return on Equity (ROE) | 14.7656% | 1,264 |
| Retained earnings to average equity (ytd only) | 12.8656% | 950 |
| Net charge-offs to loans | -0.0094% | 3,645 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9998% | 3,911 |
| Assets per employee ($millions) | 7.3716% | 1,542 |
| Cash dividends to net income (ytd only)* | 12.8676% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,324 |
| Loan loss allowance to noncurrent loans | 2,127.5132% | 354 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,936 |
| Noncurrent loans to loans | 0.0747% | 3,919 |
| Net loans and leases to total assets | 60.3261% | 2,500 |
| Net loans and leases to deposits | 68.2776% | 2,671 |
| Net loans and leases to core deposits | 74.3789% | 2,479 |
| Total domestic deposits to total assets | 88.3542% | 1,681 |
| Equity capital to assets | 9.0306% | 3,649 |
| Core capital (leverage) ratio | 9.4211% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7939% | 1,643 |
| Memoranda: | ||
| Average total assets | $397,982,000 | 2,000 |
| Average earning assets | $373,717,500 | 1,988 |
| Average equity | $36,842,500 | 2,212 |
| Average total loans | $256,427,500 | 1,930 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 2,682 |
| Cost of funding earning assets | 0.6372% | 2,072 |
| Net interest margin | 3.3778% | 2,844 |
| Noninterest income to average assets | 0.7055% | 1,848 |
| Noninterest expense to average assets | 2.3801% | 3,177 |
| Loan and lease loss provision to assets | 0.2097% | 1,873 |
| Net operating income to assets | 0.9403% | 2,523 |
| Return on assets (ROA) | 0.9548% | 2,609 |
| Pretax return on assets | 1.2668% | 2,099 |
| Return on Equity (ROE) | 9.4620% | 2,217 |
| Retained earnings to average equity (ytd only) | 8.9568% | 780 |
| Net charge-offs to loans | 0.0033% | 3,256 |
| Credit loss provision to net charge-offs | 9,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 625.7500% | 186 |
| Efficiency ratio | 62.0096% | 3,129 |
| Assets per employee ($millions) | 7.0955% | 1,518 |
| Cash dividends to net income (ytd only)* | 5.3386% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5165% | 1,527 |
| Loan loss allowance to noncurrent loans | 3,007.6336% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 4,086 |
| Noncurrent loans to loans | 0.0504% | 4,092 |
| Net loans and leases to total assets | 66.7778% | 1,981 |
| Net loans and leases to deposits | 76.1137% | 2,270 |
| Net loans and leases to core deposits | 82.9461% | 2,123 |
| Total domestic deposits to total assets | 87.7342% | 1,595 |
| Equity capital to assets | 9.5016% | 3,610 |
| Core capital (leverage) ratio | 9.3780% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3491% | 1,726 |
| Memoranda: | ||
| Average total assets | $343,309,400 | 2,085 |
| Average earning assets | $318,399,800 | 2,086 |
| Average equity | $34,644,000 | 2,245 |
| Average total loans | $239,016,800 | 1,975 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1508% | 2,521 |
| Cost of funding earning assets | 0.6896% | 2,091 |
| Net interest margin | 3.4612% | 2,714 |
| Noninterest income to average assets | 0.7339% | 1,688 |
| Noninterest expense to average assets | 2.4442% | 3,012 |
| Loan and lease loss provision to assets | 0.1680% | 2,320 |
| Net operating income to assets | 1.0072% | 2,314 |
| Return on assets (ROA) | 1.0271% | 2,365 |
| Pretax return on assets | 1.3467% | 1,886 |
| Return on Equity (ROE) | 10.0104% | 2,018 |
| Retained earnings to average equity (ytd only) | 9.3282% | 901 |
| Net charge-offs to loans | 0.0034% | 3,051 |
| Credit loss provision to net charge-offs | 7,000.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 620.6667% | 196 |
| Efficiency ratio | 62.1352% | 3,052 |
| Assets per employee ($millions) | 6.7165% | 1,666 |
| Cash dividends to net income (ytd only)* | 6.8146% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,456 |
| Loan loss allowance to noncurrent loans | 2,395.3947% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 4,244 |
| Noncurrent loans to loans | 0.0616% | 4,125 |
| Net loans and leases to total assets | 65.8310% | 2,542 |
| Net loans and leases to deposits | 75.3226% | 2,815 |
| Net loans and leases to core deposits | 82.7391% | 2,601 |
| Total domestic deposits to total assets | 87.3988% | 1,491 |
| Equity capital to assets | 9.6668% | 3,542 |
| Core capital (leverage) ratio | 9.6784% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4195% | 1,389 |
| Memoranda: | ||
| Average total assets | $333,347,750 | 2,103 |
| Average earning assets | $308,170,500 | 2,106 |
| Average equity | $34,203,500 | 2,260 |
| Average total loans | $233,820,250 | 2,005 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3345% | 2,385 |
| Cost of funding earning assets | 0.7556% | 2,077 |
| Net interest margin | 3.5789% | 2,552 |
| Noninterest income to average assets | 0.7332% | 1,629 |
| Noninterest expense to average assets | 2.5295% | 2,883 |
| Loan and lease loss provision to assets | 0.0747% | 3,362 |
| Net operating income to assets | 1.0342% | 2,209 |
| Return on assets (ROA) | 1.0637% | 2,223 |
| Pretax return on assets | 1.4739% | 1,521 |
| Return on Equity (ROE) | 10.1420% | 1,941 |
| Retained earnings to average equity (ytd only) | 9.1035% | 980 |
| Net charge-offs to loans | 0.0044% | 2,821 |
| Credit loss provision to net charge-offs | 2,400.0000% | 422 |
| Earnings coverage of net charge-offs (x) | 485.6000% | 213 |
| Efficiency ratio | 62.6001% | 3,029 |
| Assets per employee ($millions) | 6.3554% | 1,901 |
| Cash dividends to net income (ytd only)* | 10.2399% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 1,694 |
| Loan loss allowance to noncurrent loans | 2,337.7622% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0402% | 4,338 |
| Noncurrent loans to loans | 0.0586% | 4,240 |
| Net loans and leases to total assets | 67.6609% | 2,415 |
| Net loans and leases to deposits | 78.0227% | 2,648 |
| Net loans and leases to core deposits | 86.2415% | 2,418 |
| Total domestic deposits to total assets | 86.7194% | 1,727 |
| Equity capital to assets | 9.7802% | 3,392 |
| Core capital (leverage) ratio | 9.9629% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2004% | 1,446 |
| Memoranda: | ||
| Average total assets | $321,327,667 | 2,142 |
| Average earning assets | $296,963,000 | 2,143 |
| Average equity | $33,701,333 | 2,277 |
| Average total loans | $229,485,000 | 2,018 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 1,601 |
| Cost of funding earning assets | 0.8481% | 2,123 |
| Net interest margin | 3.8876% | 1,708 |
| Noninterest income to average assets | 0.6854% | 1,698 |
| Noninterest expense to average assets | 2.5865% | 3,017 |
| Loan and lease loss provision to assets | 0.0789% | 2,727 |
| Net operating income to assets | 1.1855% | 1,565 |
| Return on assets (ROA) | 1.2354% | 1,520 |
| Pretax return on assets | 1.6656% | 921 |
| Return on Equity (ROE) | 11.3310% | 1,313 |
| Retained earnings to average equity (ytd only) | 9.2193% | 913 |
| Net charge-offs to loans | 0.0072% | 2,313 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 222 |
| Efficiency ratio | 60.6042% | 3,663 |
| Assets per employee ($millions) | 5.7923% | 1,846 |
| Cash dividends to net income (ytd only)* | 18.6368% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 1,476 |
| Loan loss allowance to noncurrent loans | 2,203.3557% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 4,368 |
| Noncurrent loans to loans | 0.0664% | 4,273 |
| Net loans and leases to total assets | 70.6948% | 2,137 |
| Net loans and leases to deposits | 82.8877% | 2,346 |
| Net loans and leases to core deposits | 92.0977% | 2,144 |
| Total domestic deposits to total assets | 85.2898% | 2,294 |
| Equity capital to assets | 10.6713% | 3,173 |
| Core capital (leverage) ratio | 10.6456% | 2,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6871% | 1,691 |
| Memoranda: | ||
| Average total assets | $304,040,000 | 2,186 |
| Average earning assets | $280,171,500 | 2,197 |
| Average equity | $33,148,000 | 2,295 |
| Average total loans | $222,152,500 | 2,037 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9776% | 1,537 |
| Cost of funding earning assets | 0.9210% | 2,110 |
| Net interest margin | 4.0567% | 1,661 |
| Noninterest income to average assets | 0.6601% | 1,963 |
| Noninterest expense to average assets | 2.5920% | 3,196 |
| Loan and lease loss provision to assets | 0.0831% | 2,347 |
| Net operating income to assets | 1.2722% | 1,794 |
| Return on assets (ROA) | 1.2790% | 1,849 |
| Pretax return on assets | 1.7186% | 1,142 |
| Return on Equity (ROE) | 11.4982% | 1,692 |
| Retained earnings to average equity (ytd only) | 5.1190% | 2,357 |
| Net charge-offs to loans | 0.0046% | 3,507 |
| Credit loss provision to net charge-offs | 2,400.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 518.0000% | 182 |
| Efficiency ratio | 59.1096% | 3,826 |
| Assets per employee ($millions) | 5.5716% | 2,007 |
| Cash dividends to net income (ytd only)* | 55.4804% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4675% | 1,316 |
| Loan loss allowance to noncurrent loans | 1,132.2807% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,139 |
| Noncurrent loans to loans | 0.1296% | 4,001 |
| Net loans and leases to total assets | 73.3749% | 1,861 |
| Net loans and leases to deposits | 86.2236% | 2,056 |
| Net loans and leases to core deposits | 95.9754% | 1,904 |
| Total domestic deposits to total assets | 85.0983% | 2,452 |
| Equity capital to assets | 11.1475% | 2,861 |
| Core capital (leverage) ratio | 10.9404% | 2,551 |
| Tier 1 risk-based capital ratio | 14.4452% | 3,046 |
| Total risk-based capital ratio | 15.6970% | 2,940 |
| Memoranda: | ||
| Average total assets | $288,891,400 | 2,230 |
| Average earning assets | $265,267,000 | 2,245 |
| Average equity | $32,135,400 | 2,296 |
| Average total loans | $215,598,400 | 2,050 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,603 |
| Cost of funding earning assets | 0.9098% | 2,189 |
| Net interest margin | 4.0671% | 1,710 |
| Noninterest income to average assets | 0.6525% | 1,977 |
| Noninterest expense to average assets | 2.5456% | 3,310 |
| Loan and lease loss provision to assets | 0.0835% | 2,237 |
| Net operating income to assets | 1.3318% | 1,716 |
| Return on assets (ROA) | 1.3380% | 1,761 |
| Pretax return on assets | 1.7659% | 1,166 |
| Return on Equity (ROE) | 12.0348% | 1,607 |
| Retained earnings to average equity (ytd only) | 6.0863% | 2,329 |
| Net charge-offs to loans | 0.0118% | 2,940 |
| Credit loss provision to net charge-offs | 947.3684% | 375 |
| Earnings coverage of net charge-offs (x) | 208.8642% | 432 |
| Efficiency ratio | 58.0239% | 3,936 |
| Assets per employee ($millions) | 5.7058% | 1,844 |
| Cash dividends to net income (ytd only)* | 49.4277% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,509 |
| Loan loss allowance to noncurrent loans | 1,049.1694% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,207 |
| Noncurrent loans to loans | 0.1350% | 4,048 |
| Net loans and leases to total assets | 74.0885% | 1,803 |
| Net loans and leases to deposits | 85.8076% | 2,216 |
| Net loans and leases to core deposits | 95.3563% | 2,046 |
| Total domestic deposits to total assets | 86.3425% | 1,851 |
| Equity capital to assets | 11.0326% | 3,073 |
| Core capital (leverage) ratio | 11.2544% | 2,423 |
| Tier 1 risk-based capital ratio | 14.1401% | 3,260 |
| Total risk-based capital ratio | 15.3916% | 3,162 |
| Memoranda: | ||
| Average total assets | $287,290,250 | 2,251 |
| Average earning assets | $263,799,000 | 2,265 |
| Average equity | $31,939,750 | 2,319 |
| Average total loans | $214,523,000 | 2,078 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9462% | 1,623 |
| Cost of funding earning assets | 0.9010% | 2,134 |
| Net interest margin | 4.0451% | 1,781 |
| Noninterest income to average assets | 0.6412% | 1,968 |
| Noninterest expense to average assets | 2.4825% | 3,539 |
| Loan and lease loss provision to assets | 0.0845% | 2,155 |
| Net operating income to assets | 1.3704% | 1,516 |
| Return on assets (ROA) | 1.3704% | 1,574 |
| Pretax return on assets | 1.8061% | 1,011 |
| Return on Equity (ROE) | 12.2936% | 1,478 |
| Retained earnings to average equity (ytd only) | 7.2423% | 1,705 |
| Net charge-offs to loans | 0.0066% | 2,915 |
| Credit loss provision to net charge-offs | 1,714.2857% | 219 |
| Earnings coverage of net charge-offs (x) | 383.7143% | 206 |
| Efficiency ratio | 56.7681% | 4,153 |
| Assets per employee ($millions) | 5.4645% | 1,995 |
| Cash dividends to net income (ytd only)* | 41.0889% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,566 |
| Loan loss allowance to noncurrent loans | 987.3016% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,209 |
| Noncurrent loans to loans | 0.1430% | 4,043 |
| Net loans and leases to total assets | 74.9746% | 1,726 |
| Net loans and leases to deposits | 87.0419% | 2,123 |
| Net loans and leases to core deposits | 97.5266% | 1,926 |
| Total domestic deposits to total assets | 86.1362% | 1,962 |
| Equity capital to assets | 11.1851% | 2,875 |
| Core capital (leverage) ratio | 10.9304% | 2,662 |
| Tier 1 risk-based capital ratio | 14.1981% | 3,213 |
| Total risk-based capital ratio | 15.4493% | 3,130 |
| Memoranda: | ||
| Average total assets | $284,153,000 | 2,270 |
| Average earning assets | $262,143,000 | 2,285 |
| Average equity | $31,675,000 | 2,326 |
| Average total loans | $211,704,000 | 2,102 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8307% | 1,817 |
| Cost of funding earning assets | 0.8636% | 2,188 |
| Net interest margin | 3.9671% | 1,959 |
| Noninterest income to average assets | 0.6027% | 2,028 |
| Noninterest expense to average assets | 2.4391% | 3,660 |
| Loan and lease loss provision to assets | 0.0853% | 1,995 |
| Net operating income to assets | 1.3304% | 1,595 |
| Return on assets (ROA) | 1.3304% | 1,634 |
| Pretax return on assets | 1.7412% | 1,113 |
| Return on Equity (ROE) | 11.9557% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.7204% | 1,100 |
| Net charge-offs to loans | 0.0077% | 2,420 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 321.2500% | 252 |
| Efficiency ratio | 57.1809% | 4,190 |
| Assets per employee ($millions) | 5.7907% | 1,709 |
| Cash dividends to net income (ytd only)* | 18.6966% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,501 |
| Loan loss allowance to noncurrent loans | 997.7124% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 4,295 |
| Noncurrent loans to loans | 0.1456% | 4,083 |
| Net loans and leases to total assets | 70.1277% | 2,458 |
| Net loans and leases to deposits | 81.0539% | 2,719 |
| Net loans and leases to core deposits | 90.4570% | 2,450 |
| Total domestic deposits to total assets | 86.5199% | 2,058 |
| Equity capital to assets | 10.7526% | 3,100 |
| Core capital (leverage) ratio | 11.0512% | 2,528 |
| Tier 1 risk-based capital ratio | 14.8555% | 2,935 |
| Total risk-based capital ratio | 16.1077% | 2,868 |
| Memoranda: | ||
| Average total assets | $281,420,500 | 2,306 |
| Average earning assets | $259,839,000 | 2,316 |
| Average equity | $31,315,500 | 2,339 |
| Average total loans | $207,431,000 | 2,153 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 1,852 |
| Cost of funding earning assets | 0.4855% | 3,441 |
| Net interest margin | 4.2047% | 1,380 |
| Noninterest income to average assets | 0.6626% | 2,001 |
| Noninterest expense to average assets | 2.6501% | 3,179 |
| Loan and lease loss provision to assets | 0.0928% | 2,295 |
| Net operating income to assets | 1.3690% | 1,536 |
| Return on assets (ROA) | 1.3690% | 1,525 |
| Pretax return on assets | 1.7987% | 924 |
| Return on Equity (ROE) | 11.8680% | 1,762 |
| Retained earnings to average equity (ytd only) | 7.8438% | 1,311 |
| Net charge-offs to loans | -0.0347% | 4,862 |
| Credit loss provision to net charge-offs | -347.8261% | 4,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3511% | 4,107 |
| Assets per employee ($millions) | 5.0475% | 2,436 |
| Cash dividends to net income (ytd only)* | 33.9079% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,404 |
| Loan loss allowance to noncurrent loans | 939.4984% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,230 |
| Noncurrent loans to loans | 0.1558% | 4,039 |
| Net loans and leases to total assets | 75.4001% | 1,711 |
| Net loans and leases to deposits | 88.5426% | 1,987 |
| Net loans and leases to core deposits | 99.6980% | 1,733 |
| Total domestic deposits to total assets | 85.1568% | 2,584 |
| Equity capital to assets | 11.5417% | 2,227 |
| Core capital (leverage) ratio | 11.9370% | 1,780 |
| Tier 1 risk-based capital ratio | 14.8527% | 2,906 |
| Total risk-based capital ratio | 16.1048% | 2,834 |
| Memoranda: | ||
| Average total assets | $258,516,200 | 2,412 |
| Average earning assets | $238,493,600 | 2,423 |
| Average equity | $29,819,800 | 2,347 |
| Average total loans | $198,866,200 | 2,182 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 2,038 |
| Cost of funding earning assets | 0.4315% | 3,654 |
| Net interest margin | 4.1480% | 1,500 |
| Noninterest income to average assets | 0.6821% | 1,920 |
| Noninterest expense to average assets | 2.6279% | 3,207 |
| Loan and lease loss provision to assets | 0.0936% | 2,104 |
| Net operating income to assets | 1.3642% | 1,608 |
| Return on assets (ROA) | 1.3642% | 1,610 |
| Pretax return on assets | 1.7866% | 1,042 |
| Return on Equity (ROE) | 11.8282% | 1,860 |
| Retained earnings to average equity (ytd only) | 9.4599% | 1,056 |
| Net charge-offs to loans | -0.0466% | 4,907 |
| Credit loss provision to net charge-offs | -260.8696% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2920% | 4,073 |
| Assets per employee ($millions) | 4.8634% | 2,646 |
| Cash dividends to net income (ytd only)* | 20.0228% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4301% | 1,593 |
| Loan loss allowance to noncurrent loans | 898.1651% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1269% | 4,328 |
| Noncurrent loans to loans | 0.1592% | 4,165 |
| Net loans and leases to total assets | 78.5345% | 1,249 |
| Net loans and leases to deposits | 91.8683% | 1,641 |
| Net loans and leases to core deposits | 100.2744% | 1,767 |
| Total domestic deposits to total assets | 85.4860% | 2,402 |
| Equity capital to assets | 11.8607% | 1,999 |
| Core capital (leverage) ratio | 12.0356% | 1,766 |
| Tier 1 risk-based capital ratio | 14.6570% | 3,041 |
| Total risk-based capital ratio | 15.9085% | 2,968 |
| Memoranda: | ||
| Average total assets | $256,266,000 | 2,447 |
| Average earning assets | $236,378,750 | 2,457 |
| Average equity | $29,555,750 | 2,365 |
| Average total loans | $197,406,500 | 2,204 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 2,127 |
| Cost of funding earning assets | 0.4028% | 3,701 |
| Net interest margin | 4.0850% | 1,605 |
| Noninterest income to average assets | 0.7053% | 1,852 |
| Noninterest expense to average assets | 2.5992% | 3,330 |
| Loan and lease loss provision to assets | 0.0938% | 2,045 |
| Net operating income to assets | 1.3637% | 1,557 |
| Return on assets (ROA) | 1.3637% | 1,558 |
| Pretax return on assets | 1.7868% | 994 |
| Return on Equity (ROE) | 11.9383% | 1,749 |
| Retained earnings to average equity (ytd only) | 9.5424% | 1,056 |
| Net charge-offs to loans | -0.0575% | 4,970 |
| Credit loss provision to net charge-offs | -214.2857% | 4,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0206% | 4,232 |
| Assets per employee ($millions) | 4.8021% | 2,676 |
| Cash dividends to net income (ytd only)* | 20.0688% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 1,600 |
| Loan loss allowance to noncurrent loans | 1,049.0842% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 4,437 |
| Noncurrent loans to loans | 0.1372% | 4,289 |
| Net loans and leases to total assets | 77.0517% | 1,461 |
| Net loans and leases to deposits | 89.7075% | 1,878 |
| Net loans and leases to core deposits | 97.8446% | 1,902 |
| Total domestic deposits to total assets | 85.8922% | 2,331 |
| Equity capital to assets | 11.7543% | 2,018 |
| Core capital (leverage) ratio | 11.7456% | 1,877 |
| Tier 1 risk-based capital ratio | 14.7388% | 3,000 |
| Total risk-based capital ratio | 15.9904% | 2,928 |
| Memoranda: | ||
| Average total assets | $255,768,670 | 2,463 |
| Average earning assets | $236,329,330 | 2,461 |
| Average equity | $29,217,000 | 2,401 |
| Average total loans | $194,753,330 | 2,230 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 2,371 |
| Cost of funding earning assets | 0.3766% | 3,760 |
| Net interest margin | 3.9670% | 1,822 |
| Noninterest income to average assets | 0.5725% | 2,408 |
| Noninterest expense to average assets | 2.6256% | 3,258 |
| Loan and lease loss provision to assets | 0.0936% | 1,946 |
| Net operating income to assets | 1.1607% | 2,175 |
| Return on assets (ROA) | 1.1607% | 2,187 |
| Pretax return on assets | 1.5180% | 1,634 |
| Return on Equity (ROE) | 10.3092% | 2,272 |
| Retained earnings to average equity (ytd only) | 7.8843% | 1,884 |
| Net charge-offs to loans | -0.0395% | 4,868 |
| Credit loss provision to net charge-offs | -315.7895% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9661% | 3,790 |
| Assets per employee ($millions) | 5.0125% | 2,483 |
| Cash dividends to net income (ytd only)* | 23.5215% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,715 |
| Loan loss allowance to noncurrent loans | 745.8221% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,358 |
| Noncurrent loans to loans | 0.1922% | 4,104 |
| Net loans and leases to total assets | 74.4359% | 1,795 |
| Net loans and leases to deposits | 86.7390% | 2,077 |
| Net loans and leases to core deposits | 102.5098% | 1,485 |
| Total domestic deposits to total assets | 85.8160% | 2,626 |
| Equity capital to assets | 11.3844% | 2,228 |
| Core capital (leverage) ratio | 11.5371% | 1,980 |
| Tier 1 risk-based capital ratio | 14.4520% | 3,145 |
| Total risk-based capital ratio | 15.7034% | 3,057 |
| Memoranda: | ||
| Average total assets | $256,397,500 | 2,471 |
| Average earning assets | $236,857,000 | 2,476 |
| Average equity | $28,867,500 | 2,446 |
| Average total loans | $192,645,500 | 2,251 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,068 |
| Cost of funding earning assets | 0.3369% | 3,824 |
| Net interest margin | 4.0489% | 1,594 |
| Noninterest income to average assets | 0.7260% | 1,863 |
| Noninterest expense to average assets | 2.5800% | 3,507 |
| Loan and lease loss provision to assets | 0.0491% | 3,242 |
| Net operating income to assets | 1.0708% | 1,973 |
| Return on assets (ROA) | 1.0744% | 1,979 |
| Pretax return on assets | 1.8233% | 747 |
| Return on Equity (ROE) | 9.4481% | 2,117 |
| Retained earnings to average equity (ytd only) | 6.9306% | 1,108 |
| Net charge-offs to loans | 0.0663% | 2,526 |
| Credit loss provision to net charge-offs | 96.7742% | 2,666 |
| Earnings coverage of net charge-offs (x) | 36.8065% | 1,328 |
| Efficiency ratio | 58.0206% | 4,523 |
| Assets per employee ($millions) | 4.9453% | 2,547 |
| Cash dividends to net income (ytd only)* | 26.6464% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,780 |
| Loan loss allowance to noncurrent loans | 700.0000% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 4,393 |
| Noncurrent loans to loans | 0.1998% | 4,111 |
| Net loans and leases to total assets | 73.7096% | 1,970 |
| Net loans and leases to deposits | 86.3737% | 2,213 |
| Net loans and leases to core deposits | 100.3654% | 1,683 |
| Total domestic deposits to total assets | 85.3380% | 2,710 |
| Equity capital to assets | 11.1341% | 2,503 |
| Core capital (leverage) ratio | 11.3477% | 2,062 |
| Tier 1 risk-based capital ratio | 14.0583% | 3,329 |
| Total risk-based capital ratio | 15.3089% | 3,227 |
| Memoranda: | ||
| Average total assets | $244,497,200 | 2,532 |
| Average earning assets | $224,676,800 | 2,550 |
| Average equity | $27,804,400 | 2,496 |
| Average total loans | $187,093,800 | 2,266 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 2,014 |
| Cost of funding earning assets | 0.3291% | 3,851 |
| Net interest margin | 4.0509% | 1,537 |
| Noninterest income to average assets | 0.7337% | 1,855 |
| Noninterest expense to average assets | 2.5994% | 3,411 |
| Loan and lease loss provision to assets | 0.0331% | 3,462 |
| Net operating income to assets | 1.1911% | 1,733 |
| Return on assets (ROA) | 1.1961% | 1,744 |
| Pretax return on assets | 1.8287% | 827 |
| Return on Equity (ROE) | 10.4596% | 1,921 |
| Retained earnings to average equity (ytd only) | 7.9232% | 1,256 |
| Net charge-offs to loans | 0.1543% | 1,317 |
| Credit loss provision to net charge-offs | 27.9070% | 3,097 |
| Earnings coverage of net charge-offs (x) | 15.6093% | 2,216 |
| Efficiency ratio | 58.3674% | 4,454 |
| Assets per employee ($millions) | 4.6711% | 2,873 |
| Cash dividends to net income (ytd only)* | 24.2494% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 2,117 |
| Loan loss allowance to noncurrent loans | 657.2539% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 4,492 |
| Noncurrent loans to loans | 0.2054% | 4,256 |
| Net loans and leases to total assets | 74.8734% | 1,779 |
| Net loans and leases to deposits | 89.1344% | 1,913 |
| Net loans and leases to core deposits | 103.0825% | 1,461 |
| Total domestic deposits to total assets | 84.0005% | 3,125 |
| Equity capital to assets | 11.4974% | 2,376 |
| Core capital (leverage) ratio | 11.6995% | 1,885 |
| Tier 1 risk-based capital ratio | 14.1996% | 3,352 |
| Total risk-based capital ratio | 15.4497% | 3,255 |
| Memoranda: | ||
| Average total assets | $241,332,750 | 2,568 |
| Average earning assets | $221,605,250 | 2,592 |
| Average equity | $27,597,500 | 2,531 |
| Average total loans | $185,808,250 | 2,288 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 2,021 |
| Cost of funding earning assets | 0.3105% | 3,968 |
| Net interest margin | 4.0239% | 1,538 |
| Noninterest income to average assets | 0.7281% | 1,871 |
| Noninterest expense to average assets | 2.5939% | 3,450 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1961% | 1,608 |
| Return on assets (ROA) | 1.2037% | 1,622 |
| Pretax return on assets | 1.8399% | 767 |
| Return on Equity (ROE) | 10.5461% | 1,813 |
| Retained earnings to average equity (ytd only) | 7.9828% | 1,173 |
| Net charge-offs to loans | 0.2312% | 884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.2196% | 2,358 |
| Efficiency ratio | 58.6578% | 4,511 |
| Assets per employee ($millions) | 4.5152% | 3,080 |
| Cash dividends to net income (ytd only)* | 24.3056% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 2,281 |
| Loan loss allowance to noncurrent loans | 1,619.6078% | 409 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 4,949 |
| Noncurrent loans to loans | 0.0820% | 4,804 |
| Net loans and leases to total assets | 76.9067% | 1,397 |
| Net loans and leases to deposits | 92.4063% | 1,443 |
| Net loans and leases to core deposits | 105.7646% | 1,251 |
| Total domestic deposits to total assets | 83.2267% | 3,493 |
| Equity capital to assets | 11.6647% | 2,179 |
| Core capital (leverage) ratio | 11.6699% | 1,853 |
| Tier 1 risk-based capital ratio | 13.8574% | 3,500 |
| Total risk-based capital ratio | 15.0865% | 3,433 |
| Memoranda: | ||
| Average total assets | $239,253,670 | 2,596 |
| Average earning assets | $219,637,000 | 2,616 |
| Average equity | $27,308,670 | 2,552 |
| Average total loans | $185,110,670 | 2,305 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,213 |
| Cost of funding earning assets | 0.2946% | 4,104 |
| Net interest margin | 3.9250% | 1,692 |
| Noninterest income to average assets | 0.7658% | 1,683 |
| Noninterest expense to average assets | 2.5632% | 3,614 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2239% | 1,446 |
| Return on assets (ROA) | 1.2239% | 1,484 |
| Pretax return on assets | 1.8108% | 770 |
| Return on Equity (ROE) | 10.8420% | 1,620 |
| Retained earnings to average equity (ytd only) | 8.2500% | 1,356 |
| Net charge-offs to loans | 0.0434% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 54.1500% | 855 |
| Efficiency ratio | 58.6009% | 4,644 |
| Assets per employee ($millions) | 4.6619% | 2,902 |
| Cash dividends to net income (ytd only)* | 23.9071% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4536% | 1,856 |
| Loan loss allowance to noncurrent loans | 763.4286% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 4,685 |
| Noncurrent loans to loans | 0.1904% | 4,443 |
| Net loans and leases to total assets | 74.7270% | 1,625 |
| Net loans and leases to deposits | 89.1974% | 1,645 |
| Net loans and leases to core deposits | 101.7245% | 1,386 |
| Total domestic deposits to total assets | 83.7771% | 3,560 |
| Equity capital to assets | 11.2562% | 2,381 |
| Core capital (leverage) ratio | 11.3327% | 2,074 |
| Tier 1 risk-based capital ratio | 14.0408% | 3,449 |
| Total risk-based capital ratio | 15.2919% | 3,368 |
| Memoranda: | ||
| Average total assets | $239,229,000 | 2,624 |
| Average earning assets | $219,925,000 | 2,641 |
| Average equity | $27,006,000 | 2,575 |
| Average total loans | $184,407,000 | 2,322 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,367 |
| Cost of funding earning assets | 0.3035% | 4,031 |
| Net interest margin | 3.9319% | 1,847 |
| Noninterest income to average assets | 0.8133% | 1,699 |
| Noninterest expense to average assets | 2.6351% | 3,571 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1481% | 1,705 |
| Return on assets (ROA) | 1.1495% | 1,787 |
| Pretax return on assets | 1.7860% | 828 |
| Return on Equity (ROE) | 10.2765% | 1,853 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,013 |
| Net charge-offs to loans | -0.0006% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6323% | 4,638 |
| Assets per employee ($millions) | 4.5393% | 3,057 |
| Cash dividends to net income (ytd only)* | 26.3158% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4552% | 1,853 |
| Loan loss allowance to noncurrent loans | 723.6559% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 4,689 |
| Noncurrent loans to loans | 0.2011% | 4,438 |
| Net loans and leases to total assets | 77.2319% | 1,325 |
| Net loans and leases to deposits | 92.6114% | 1,357 |
| Net loans and leases to core deposits | 104.8461% | 1,218 |
| Total domestic deposits to total assets | 83.3936% | 3,630 |
| Equity capital to assets | 11.3222% | 2,312 |
| Core capital (leverage) ratio | 10.8818% | 2,454 |
| Tier 1 risk-based capital ratio | 13.7186% | 3,640 |
| Total risk-based capital ratio | 14.9699% | 3,540 |
| Memoranda: | ||
| Average total assets | $231,412,000 | 2,654 |
| Average earning assets | $212,214,000 | 2,679 |
| Average equity | $25,884,400 | 2,643 |
| Average total loans | $176,375,600 | 2,349 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2022% | 2,502 |
| Cost of funding earning assets | 0.2968% | 4,140 |
| Net interest margin | 3.9053% | 1,959 |
| Noninterest income to average assets | 0.8344% | 1,629 |
| Noninterest expense to average assets | 2.6561% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1475% | 1,818 |
| Return on assets (ROA) | 1.1494% | 1,911 |
| Pretax return on assets | 1.7621% | 973 |
| Return on Equity (ROE) | 10.3084% | 1,927 |
| Retained earnings to average equity (ytd only) | 7.5820% | 1,364 |
| Net charge-offs to loans | 0.0145% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 159.9120% | 438 |
| Efficiency ratio | 60.1574% | 4,520 |
| Assets per employee ($millions) | 4.5914% | 2,939 |
| Cash dividends to net income (ytd only)* | 26.4483% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 1,844 |
| Loan loss allowance to noncurrent loans | 1,908.5714% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 5,206 |
| Noncurrent loans to loans | 0.0775% | 5,038 |
| Net loans and leases to total assets | 76.0306% | 1,516 |
| Net loans and leases to deposits | 92.7120% | 1,411 |
| Net loans and leases to core deposits | 104.5574% | 1,307 |
| Total domestic deposits to total assets | 82.0073% | 3,932 |
| Equity capital to assets | 11.2927% | 2,710 |
| Core capital (leverage) ratio | 11.3975% | 2,114 |
| Tier 1 risk-based capital ratio | 13.9447% | 3,591 |
| Total risk-based capital ratio | 15.1964% | 3,511 |
| Memoranda: | ||
| Average total assets | $230,254,750 | 2,667 |
| Average earning assets | $211,124,500 | 2,693 |
| Average equity | $25,674,250 | 2,680 |
| Average total loans | $174,221,750 | 2,372 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 2,685 |
| Cost of funding earning assets | 0.2942% | 4,202 |
| Net interest margin | 3.8528% | 2,124 |
| Noninterest income to average assets | 0.8692% | 1,479 |
| Noninterest expense to average assets | 2.6582% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1304% | 1,852 |
| Return on assets (ROA) | 1.1304% | 1,965 |
| Pretax return on assets | 1.7453% | 989 |
| Return on Equity (ROE) | 10.1818% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.4278% | 1,421 |
| Net charge-offs to loans | 0.0139% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 166.5000% | 380 |
| Efficiency ratio | 60.3650% | 4,591 |
| Assets per employee ($millions) | 4.4335% | 3,153 |
| Cash dividends to net income (ytd only)* | 27.0479% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,686 |
| Loan loss allowance to noncurrent loans | 194.4848% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 3,188 |
| Noncurrent loans to loans | 0.7957% | 2,754 |
| Net loans and leases to total assets | 73.9599% | 1,847 |
| Net loans and leases to deposits | 87.3862% | 2,082 |
| Net loans and leases to core deposits | 99.1522% | 1,701 |
| Total domestic deposits to total assets | 84.6357% | 3,031 |
| Equity capital to assets | 11.2492% | 2,798 |
| Core capital (leverage) ratio | 11.0060% | 2,425 |
| Tier 1 risk-based capital ratio | 14.0458% | 3,580 |
| Total risk-based capital ratio | 15.2980% | 3,498 |
| Memoranda: | ||
| Average total assets | $228,952,670 | 2,687 |
| Average earning assets | $210,027,330 | 2,710 |
| Average equity | $25,418,000 | 2,711 |
| Average total loans | $172,060,330 | 2,392 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,742 |
| Cost of funding earning assets | 0.2940% | 4,228 |
| Net interest margin | 3.8330% | 2,164 |
| Noninterest income to average assets | 0.8678% | 1,389 |
| Noninterest expense to average assets | 2.5999% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2044% | 1,542 |
| Return on assets (ROA) | 1.2044% | 1,646 |
| Pretax return on assets | 1.7882% | 870 |
| Return on Equity (ROE) | 10.9221% | 1,623 |
| Retained earnings to average equity (ytd only) | 8.1399% | 1,394 |
| Net charge-offs to loans | 0.0210% | 2,515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 113.3333% | 494 |
| Efficiency ratio | 59.2489% | 4,846 |
| Assets per employee ($millions) | 4.4949% | 3,076 |
| Cash dividends to net income (ytd only)* | 25.4731% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 1,772 |
| Loan loss allowance to noncurrent loans | 200.7485% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 3,261 |
| Noncurrent loans to loans | 0.7744% | 2,901 |
| Net loans and leases to total assets | 74.0908% | 1,715 |
| Net loans and leases to deposits | 88.3459% | 1,789 |
| Net loans and leases to core deposits | 98.0980% | 1,629 |
| Total domestic deposits to total assets | 83.8644% | 3,571 |
| Equity capital to assets | 11.0985% | 2,828 |
| Core capital (leverage) ratio | 11.1131% | 2,300 |
| Tier 1 risk-based capital ratio | 13.8728% | 3,775 |
| Total risk-based capital ratio | 15.1250% | 3,706 |
| Memoranda: | ||
| Average total assets | $228,158,500 | 2,709 |
| Average earning assets | $209,549,500 | 2,724 |
| Average equity | $25,160,000 | 2,733 |
| Average total loans | $171,496,500 | 2,390 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,515 |
| Cost of funding earning assets | 0.3106% | 4,137 |
| Net interest margin | 3.9038% | 2,014 |
| Noninterest income to average assets | 0.7260% | 2,084 |
| Noninterest expense to average assets | 2.6755% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0300% | 2,213 |
| Return on assets (ROA) | 1.0260% | 2,311 |
| Pretax return on assets | 1.6066% | 1,227 |
| Return on Equity (ROE) | 9.3082% | 2,319 |
| Retained earnings to average equity (ytd only) | 6.4046% | 1,598 |
| Net charge-offs to loans | 0.0397% | 3,435 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 55.1250% | 935 |
| Efficiency ratio | 62.3881% | 4,548 |
| Assets per employee ($millions) | 4.4525% | 3,119 |
| Cash dividends to net income (ytd only)* | 31.1943% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,686 |
| Loan loss allowance to noncurrent loans | 2,803.1250% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 5,444 |
| Noncurrent loans to loans | 0.0563% | 5,294 |
| Net loans and leases to total assets | 73.8843% | 1,753 |
| Net loans and leases to deposits | 87.9458% | 1,881 |
| Net loans and leases to core deposits | 96.5439% | 1,793 |
| Total domestic deposits to total assets | 84.0112% | 3,474 |
| Equity capital to assets | 10.9557% | 2,864 |
| Core capital (leverage) ratio | 10.9681% | 2,436 |
| Tier 1 risk-based capital ratio | 13.5349% | 3,989 |
| Total risk-based capital ratio | 14.7873% | 3,919 |
| Memoranda: | ||
| Average total assets | $218,723,400 | 2,756 |
| Average earning assets | $199,599,600 | 2,783 |
| Average equity | $24,107,800 | 2,775 |
| Average total loans | $161,062,800 | 2,455 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1897% | 2,614 |
| Cost of funding earning assets | 0.3128% | 4,188 |
| Net interest margin | 3.8769% | 2,107 |
| Noninterest income to average assets | 0.7361% | 2,083 |
| Noninterest expense to average assets | 2.6692% | 3,669 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0229% | 2,365 |
| Return on assets (ROA) | 1.0174% | 2,484 |
| Pretax return on assets | 1.5903% | 1,411 |
| Return on Equity (ROE) | 9.2156% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.2887% | 2,068 |
| Net charge-offs to loans | 0.0832% | 2,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 26.2417% | 1,620 |
| Efficiency ratio | 62.5379% | 4,485 |
| Assets per employee ($millions) | 4.2798% | 3,360 |
| Cash dividends to net income (ytd only)* | 31.7604% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,848 |
| Loan loss allowance to noncurrent loans | 2,711.2245% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 5,351 |
| Noncurrent loans to loans | 0.0583% | 5,385 |
| Net loans and leases to total assets | 74.2804% | 1,686 |
| Net loans and leases to deposits | 88.5878% | 1,826 |
| Net loans and leases to core deposits | 98.1249% | 1,689 |
| Total domestic deposits to total assets | 83.8495% | 3,489 |
| Equity capital to assets | 11.0034% | 3,024 |
| Core capital (leverage) ratio | 11.0529% | 2,428 |
| Tier 1 risk-based capital ratio | 13.3950% | 4,196 |
| Total risk-based capital ratio | 14.6473% | 4,122 |
| Memoranda: | ||
| Average total assets | $216,634,750 | 2,797 |
| Average earning assets | $197,368,500 | 2,829 |
| Average equity | $23,915,250 | 2,814 |
| Average total loans | $158,712,000 | 2,494 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 2,759 |
| Cost of funding earning assets | 0.3165% | 4,204 |
| Net interest margin | 3.8221% | 2,232 |
| Noninterest income to average assets | 0.7174% | 2,141 |
| Noninterest expense to average assets | 2.6302% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0231% | 2,275 |
| Return on assets (ROA) | 1.0146% | 2,428 |
| Pretax return on assets | 1.5503% | 1,484 |
| Return on Equity (ROE) | 9.1804% | 2,440 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,102 |
| Net charge-offs to loans | 0.0013% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,678.0000% | 32 |
| Efficiency ratio | 62.7194% | 4,558 |
| Assets per employee ($millions) | 4.3516% | 3,209 |
| Cash dividends to net income (ytd only)* | 32.1396% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6751% | 1,676 |
| Loan loss allowance to noncurrent loans | 793.6599% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 5,239 |
| Noncurrent loans to loans | 0.2111% | 4,926 |
| Net loans and leases to total assets | 74.2986% | 1,613 |
| Net loans and leases to deposits | 87.3176% | 1,906 |
| Net loans and leases to core deposits | 97.2116% | 1,707 |
| Total domestic deposits to total assets | 85.0901% | 3,087 |
| Equity capital to assets | 11.0667% | 2,821 |
| Core capital (leverage) ratio | 11.1815% | 2,261 |
| Tier 1 risk-based capital ratio | 13.4922% | 4,228 |
| Total risk-based capital ratio | 14.7460% | 4,158 |
| Memoranda: | ||
| Average total assets | $214,663,000 | 2,841 |
| Average earning assets | $195,235,330 | 2,873 |
| Average equity | $23,724,330 | 2,837 |
| Average total loans | $155,626,670 | 2,543 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 3,141 |
| Cost of funding earning assets | 0.3065% | 4,368 |
| Net interest margin | 3.7176% | 2,565 |
| Noninterest income to average assets | 0.7354% | 1,988 |
| Noninterest expense to average assets | 2.5778% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0325% | 2,110 |
| Return on assets (ROA) | 1.0337% | 2,254 |
| Pretax return on assets | 1.5497% | 1,394 |
| Return on Equity (ROE) | 9.3600% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.3872% | 2,296 |
| Net charge-offs to loans | -0.0238% | 5,125 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4829% | 4,710 |
| Assets per employee ($millions) | 4.1987% | 3,567 |
| Cash dividends to net income (ytd only)* | 31.7604% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 1,542 |
| Loan loss allowance to noncurrent loans | 680.7882% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 5,181 |
| Noncurrent loans to loans | 0.2611% | 4,848 |
| Net loans and leases to total assets | 72.7414% | 1,690 |
| Net loans and leases to deposits | 85.6127% | 1,884 |
| Net loans and leases to core deposits | 94.2491% | 1,745 |
| Total domestic deposits to total assets | 84.9658% | 3,429 |
| Equity capital to assets | 11.3097% | 2,637 |
| Core capital (leverage) ratio | 11.1494% | 2,266 |
| Tier 1 risk-based capital ratio | 14.1194% | 3,936 |
| Total risk-based capital ratio | 15.2390% | 3,943 |
| Memoranda: | ||
| Average total assets | $213,204,500 | 2,875 |
| Average earning assets | $194,427,000 | 2,899 |
| Average equity | $23,547,000 | 2,879 |
| Average total loans | $151,233,500 | 2,609 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0884% | 3,366 |
| Cost of funding earning assets | 0.3367% | 4,406 |
| Net interest margin | 3.7518% | 2,804 |
| Noninterest income to average assets | 0.6178% | 2,752 |
| Noninterest expense to average assets | 2.6528% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8859% | 2,943 |
| Return on assets (ROA) | 0.9013% | 2,952 |
| Pretax return on assets | 1.3696% | 2,004 |
| Return on Equity (ROE) | 8.0029% | 3,137 |
| Retained earnings to average equity (ytd only) | 4.9164% | 2,665 |
| Net charge-offs to loans | -0.0390% | 5,854 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3355% | 4,194 |
| Assets per employee ($millions) | 4.3295% | 3,311 |
| Cash dividends to net income (ytd only)* | 38.5675% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 1,374 |
| Loan loss allowance to noncurrent loans | 659.0909% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,256 |
| Noncurrent loans to loans | 0.2844% | 4,830 |
| Net loans and leases to total assets | 66.6308% | 2,788 |
| Net loans and leases to deposits | 77.0018% | 3,086 |
| Net loans and leases to core deposits | 85.9297% | 2,695 |
| Total domestic deposits to total assets | 86.5315% | 2,556 |
| Equity capital to assets | 10.7869% | 3,138 |
| Core capital (leverage) ratio | 10.9809% | 2,428 |
| Tier 1 risk-based capital ratio | 15.3233% | 3,303 |
| Total risk-based capital ratio | 16.5802% | 3,255 |
| Memoranda: | ||
| Average total assets | $201,371,600 | 2,969 |
| Average earning assets | $181,487,600 | 3,021 |
| Average equity | $22,679,400 | 2,884 |
| Average total loans | $138,450,600 | 2,733 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,356 |
| Cost of funding earning assets | 0.3435% | 4,415 |
| Net interest margin | 3.7601% | 2,775 |
| Noninterest income to average assets | 0.5999% | 2,872 |
| Noninterest expense to average assets | 2.6788% | 3,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8415% | 3,227 |
| Return on assets (ROA) | 0.8603% | 3,213 |
| Pretax return on assets | 1.3252% | 2,287 |
| Return on Equity (ROE) | 7.5515% | 3,423 |
| Retained earnings to average equity (ytd only) | 3.4056% | 4,198 |
| Net charge-offs to loans | -0.1076% | 6,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3909% | 3,963 |
| Assets per employee ($millions) | 4.1597% | 3,547 |
| Cash dividends to net income (ytd only)* | 54.9019% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9921% | 1,275 |
| Loan loss allowance to noncurrent loans | 352.6976% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 4,776 |
| Noncurrent loans to loans | 0.5648% | 4,226 |
| Net loans and leases to total assets | 66.4931% | 2,775 |
| Net loans and leases to deposits | 77.3067% | 3,024 |
| Net loans and leases to core deposits | 86.2088% | 2,645 |
| Total domestic deposits to total assets | 86.0121% | 2,839 |
| Equity capital to assets | 10.9382% | 3,017 |
| Core capital (leverage) ratio | 10.8490% | 2,637 |
| Tier 1 risk-based capital ratio | 15.5427% | 3,289 |
| Total risk-based capital ratio | 16.8008% | 3,228 |
| Memoranda: | ||
| Average total assets | $197,595,750 | 3,047 |
| Average earning assets | $177,366,500 | 3,099 |
| Average equity | $22,511,500 | 2,902 |
| Average total loans | $136,314,750 | 2,770 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 3,263 |
| Cost of funding earning assets | 0.3508% | 4,430 |
| Net interest margin | 3.7699% | 2,664 |
| Noninterest income to average assets | 0.6068% | 2,783 |
| Noninterest expense to average assets | 2.7074% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8345% | 3,151 |
| Return on assets (ROA) | 0.8633% | 3,089 |
| Pretax return on assets | 1.3208% | 2,185 |
| Return on Equity (ROE) | 7.4715% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.3509% | 3,407 |
| Net charge-offs to loans | -0.1678% | 6,305 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9597% | 4,017 |
| Assets per employee ($millions) | 4.1249% | 3,603 |
| Cash dividends to net income (ytd only)* | 41.7661% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0537% | 1,268 |
| Loan loss allowance to noncurrent loans | 359.3870% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3855% | 4,863 |
| Noncurrent loans to loans | 0.5714% | 4,304 |
| Net loans and leases to total assets | 65.0720% | 2,897 |
| Net loans and leases to deposits | 75.7870% | 3,082 |
| Net loans and leases to core deposits | 83.1381% | 2,837 |
| Total domestic deposits to total assets | 85.8616% | 3,113 |
| Equity capital to assets | 11.0082% | 2,868 |
| Core capital (leverage) ratio | 11.1886% | 2,253 |
| Tier 1 risk-based capital ratio | 15.8488% | 3,175 |
| Total risk-based capital ratio | 17.1073% | 3,105 |
| Memoranda: | ||
| Average total assets | $194,132,000 | 3,101 |
| Average earning assets | $173,902,670 | 3,151 |
| Average equity | $22,432,000 | 2,901 |
| Average total loans | $134,717,000 | 2,800 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2442% | 2,708 |
| Cost of funding earning assets | 0.3688% | 4,334 |
| Net interest margin | 3.8754% | 2,174 |
| Noninterest income to average assets | 0.6168% | 2,636 |
| Noninterest expense to average assets | 2.7627% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8636% | 2,833 |
| Return on assets (ROA) | 0.8677% | 2,875 |
| Pretax return on assets | 1.3250% | 2,008 |
| Return on Equity (ROE) | 7.3197% | 3,303 |
| Retained earnings to average equity (ytd only) | 4.1801% | 3,622 |
| Net charge-offs to loans | -0.0090% | 5,013 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6915% | 4,224 |
| Assets per employee ($millions) | 3.8393% | 4,252 |
| Cash dividends to net income (ytd only)* | 42.8922% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0445% | 1,429 |
| Loan loss allowance to noncurrent loans | 375.0347% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 5,008 |
| Noncurrent loans to loans | 0.5452% | 4,533 |
| Net loans and leases to total assets | 68.8646% | 2,075 |
| Net loans and leases to deposits | 82.0605% | 2,037 |
| Net loans and leases to core deposits | 91.9657% | 1,733 |
| Total domestic deposits to total assets | 83.9194% | 4,299 |
| Equity capital to assets | 11.9308% | 1,916 |
| Core capital (leverage) ratio | 12.0389% | 1,634 |
| Tier 1 risk-based capital ratio | 16.4536% | 2,916 |
| Total risk-based capital ratio | 17.7120% | 2,886 |
| Memoranda: | ||
| Average total assets | $188,074,500 | 3,187 |
| Average earning assets | $168,135,500 | 3,238 |
| Average equity | $22,296,000 | 2,917 |
| Average total loans | $133,564,000 | 2,827 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 2,833 |
| Cost of funding earning assets | 0.4379% | 4,242 |
| Net interest margin | 3.8954% | 2,301 |
| Noninterest income to average assets | 0.6459% | 2,827 |
| Noninterest expense to average assets | 2.6511% | 4,277 |
| Loan and lease loss provision to assets | 0.0103% | 4,918 |
| Net operating income to assets | 0.9685% | 2,477 |
| Return on assets (ROA) | 0.9678% | 2,548 |
| Pretax return on assets | 1.4759% | 1,529 |
| Return on Equity (ROE) | 8.3422% | 2,862 |
| Retained earnings to average equity (ytd only) | 0.7826% | 5,484 |
| Net charge-offs to loans | 0.1559% | 3,242 |
| Credit loss provision to net charge-offs | 9.6154% | 4,588 |
| Earnings coverage of net charge-offs (x) | 13.8606% | 1,983 |
| Efficiency ratio | 64.0613% | 4,880 |
| Assets per employee ($millions) | 3.7604% | 4,349 |
| Cash dividends to net income (ytd only)* | 90.6183% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0027% | 1,543 |
| Loan loss allowance to noncurrent loans | 251.0223% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 4,519 |
| Noncurrent loans to loans | 0.7978% | 3,984 |
| Net loans and leases to total assets | 70.2950% | 1,966 |
| Net loans and leases to deposits | 84.1981% | 1,908 |
| Net loans and leases to core deposits | 92.4266% | 1,745 |
| Total domestic deposits to total assets | 83.4876% | 4,369 |
| Equity capital to assets | 11.7789% | 1,962 |
| Core capital (leverage) ratio | 11.5428% | 1,930 |
| Tier 1 risk-based capital ratio | 15.6539% | 3,273 |
| Total risk-based capital ratio | 16.9123% | 3,229 |
| Memoranda: | ||
| Average total assets | $193,841,400 | 3,100 |
| Average earning assets | $173,793,400 | 3,168 |
| Average equity | $22,488,200 | 2,879 |
| Average total loans | $133,430,000 | 2,800 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 3,071 |
| Cost of funding earning assets | 0.4538% | 4,239 |
| Net interest margin | 3.8283% | 2,548 |
| Noninterest income to average assets | 0.6622% | 2,812 |
| Noninterest expense to average assets | 2.6236% | 4,314 |
| Loan and lease loss provision to assets | 0.0137% | 4,728 |
| Net operating income to assets | 0.9423% | 2,629 |
| Return on assets (ROA) | 0.9415% | 2,743 |
| Pretax return on assets | 1.4562% | 1,740 |
| Return on Equity (ROE) | 8.1450% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.0441% | 3,049 |
| Net charge-offs to loans | 0.2345% | 2,397 |
| Credit loss provision to net charge-offs | 8.5470% | 4,230 |
| Earnings coverage of net charge-offs (x) | 9.2095% | 2,511 |
| Efficiency ratio | 64.0714% | 4,786 |
| Assets per employee ($millions) | 3.8303% | 4,169 |
| Cash dividends to net income (ytd only)* | 38.0709% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 1,654 |
| Loan loss allowance to noncurrent loans | 222.5458% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 4,559 |
| Noncurrent loans to loans | 0.9116% | 3,995 |
| Net loans and leases to total assets | 67.4488% | 2,381 |
| Net loans and leases to deposits | 80.1395% | 2,385 |
| Net loans and leases to core deposits | 88.9274% | 2,082 |
| Total domestic deposits to total assets | 84.1643% | 4,127 |
| Equity capital to assets | 11.9055% | 1,980 |
| Core capital (leverage) ratio | 11.7265% | 1,872 |
| Tier 1 risk-based capital ratio | 16.5708% | 2,910 |
| Total risk-based capital ratio | 17.8295% | 2,870 |
| Memoranda: | ||
| Average total assets | $195,296,250 | 3,107 |
| Average earning assets | $175,114,000 | 3,175 |
| Average equity | $22,573,500 | 2,895 |
| Average total loans | $133,069,750 | 2,820 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 3,068 |
| Cost of funding earning assets | 0.4700% | 4,205 |
| Net interest margin | 3.8021% | 2,551 |
| Noninterest income to average assets | 0.6543% | 2,890 |
| Noninterest expense to average assets | 2.5723% | 4,482 |
| Loan and lease loss provision to assets | 0.0204% | 4,491 |
| Net operating income to assets | 0.9578% | 2,523 |
| Return on assets (ROA) | 0.9565% | 2,684 |
| Pretax return on assets | 1.4754% | 1,694 |
| Return on Equity (ROE) | 8.3564% | 2,915 |
| Retained earnings to average equity (ytd only) | 5.2450% | 2,894 |
| Net charge-offs to loans | -0.1154% | 6,535 |
| Credit loss provision to net charge-offs | -25.9740% | 5,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2000% | 4,980 |
| Assets per employee ($millions) | 3.8192% | 4,172 |
| Cash dividends to net income (ytd only)* | 37.2340% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3067% | 1,253 |
| Loan loss allowance to noncurrent loans | 125.2517% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 3,306 |
| Noncurrent loans to loans | 1.8416% | 2,577 |
| Net loans and leases to total assets | 64.9268% | 2,767 |
| Net loans and leases to deposits | 76.9299% | 2,735 |
| Net loans and leases to core deposits | 84.4197% | 2,505 |
| Total domestic deposits to total assets | 84.3973% | 4,166 |
| Equity capital to assets | 11.6295% | 2,191 |
| Core capital (leverage) ratio | 11.5748% | 1,875 |
| Tier 1 risk-based capital ratio | 17.0510% | 2,695 |
| Total risk-based capital ratio | 18.3132% | 2,663 |
| Memoranda: | ||
| Average total assets | $196,556,000 | 3,107 |
| Average earning assets | $176,588,330 | 3,164 |
| Average equity | $22,497,670 | 2,931 |
| Average total loans | $133,476,000 | 2,813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3372% | 2,733 |
| Cost of funding earning assets | 0.4839% | 4,249 |
| Net interest margin | 3.8533% | 2,271 |
| Noninterest income to average assets | 0.6706% | 2,754 |
| Noninterest expense to average assets | 2.5526% | 4,560 |
| Loan and lease loss provision to assets | 0.0405% | 3,922 |
| Net operating income to assets | 0.9892% | 2,273 |
| Return on assets (ROA) | 0.9866% | 2,408 |
| Pretax return on assets | 1.5255% | 1,499 |
| Return on Equity (ROE) | 8.6885% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.5663% | 2,919 |
| Net charge-offs to loans | -0.2273% | 6,709 |
| Credit loss provision to net charge-offs | -25.9740% | 5,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9165% | 5,313 |
| Assets per employee ($millions) | 3.8891% | 4,179 |
| Cash dividends to net income (ytd only)* | 35.9343% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 1,520 |
| Loan loss allowance to noncurrent loans | 212.2246% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 4,601 |
| Noncurrent loans to loans | 1.0519% | 4,038 |
| Net loans and leases to total assets | 65.9338% | 2,377 |
| Net loans and leases to deposits | 78.6430% | 2,258 |
| Net loans and leases to core deposits | 87.5207% | 1,953 |
| Total domestic deposits to total assets | 83.8394% | 4,543 |
| Equity capital to assets | 11.3710% | 2,558 |
| Core capital (leverage) ratio | 11.5369% | 1,857 |
| Tier 1 risk-based capital ratio | 16.3933% | 3,066 |
| Total risk-based capital ratio | 17.6546% | 3,008 |
| Memoranda: | ||
| Average total assets | $197,443,500 | 3,126 |
| Average earning assets | $176,888,000 | 3,186 |
| Average equity | $22,420,500 | 2,989 |
| Average total loans | $135,488,500 | 2,796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 2,779 |
| Cost of funding earning assets | 0.6021% | 4,332 |
| Net interest margin | 4.0514% | 2,193 |
| Noninterest income to average assets | 1.3516% | 846 |
| Noninterest expense to average assets | 2.7562% | 4,192 |
| Loan and lease loss provision to assets | 0.6690% | 792 |
| Net operating income to assets | 1.3447% | 1,207 |
| Return on assets (ROA) | 1.3619% | 1,298 |
| Pretax return on assets | 1.5782% | 1,441 |
| Return on Equity (ROE) | 11.8513% | 1,549 |
| Retained earnings to average equity (ytd only) | 8.5567% | 950 |
| Net charge-offs to loans | 0.6205% | 1,890 |
| Credit loss provision to net charge-offs | 150.4866% | 1,812 |
| Earnings coverage of net charge-offs (x) | 5.0097% | 3,180 |
| Efficiency ratio | 55.3071% | 6,137 |
| Assets per employee ($millions) | 4.0946% | 3,748 |
| Cash dividends to net income (ytd only)* | 27.7998% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 1,759 |
| Loan loss allowance to noncurrent loans | 191.9601% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 4,481 |
| Noncurrent loans to loans | 1.0968% | 4,012 |
| Net loans and leases to total assets | 68.3445% | 2,132 |
| Net loans and leases to deposits | 81.4881% | 2,075 |
| Net loans and leases to core deposits | 86.4527% | 2,251 |
| Total domestic deposits to total assets | 83.8705% | 4,376 |
| Equity capital to assets | 11.3396% | 2,592 |
| Core capital (leverage) ratio | 11.5369% | 1,852 |
| Tier 1 risk-based capital ratio | 15.8433% | 3,246 |
| Total risk-based capital ratio | 17.1051% | 3,194 |
| Memoranda: | ||
| Average total assets | $184,891,400 | 3,244 |
| Average earning assets | $165,747,000 | 3,293 |
| Average equity | $21,246,600 | 3,070 |
| Average total loans | $132,474,400 | 2,834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 2,779 |
| Cost of funding earning assets | 0.6263% | 4,399 |
| Net interest margin | 4.0803% | 2,170 |
| Noninterest income to average assets | 1.6031% | 576 |
| Noninterest expense to average assets | 2.8127% | 3,943 |
| Loan and lease loss provision to assets | 0.6850% | 751 |
| Net operating income to assets | 1.5948% | 858 |
| Return on assets (ROA) | 1.6192% | 897 |
| Pretax return on assets | 1.7936% | 1,061 |
| Return on Equity (ROE) | 14.0404% | 1,103 |
| Retained earnings to average equity (ytd only) | 10.7050% | 739 |
| Net charge-offs to loans | 0.1300% | 4,076 |
| Credit loss provision to net charge-offs | 730.4688% | 378 |
| Earnings coverage of net charge-offs (x) | 26.1410% | 1,223 |
| Efficiency ratio | 53.4308% | 6,309 |
| Assets per employee ($millions) | 3.8377% | 4,215 |
| Cash dividends to net income (ytd only)* | 23.7556% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4270% | 1,306 |
| Loan loss allowance to noncurrent loans | 78.5817% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 2.5095% | 2,110 |
| Noncurrent loans to loans | 3.0885% | 1,800 |
| Net loans and leases to total assets | 70.1240% | 1,890 |
| Net loans and leases to deposits | 84.9767% | 1,729 |
| Net loans and leases to core deposits | 90.3303% | 1,947 |
| Total domestic deposits to total assets | 82.5214% | 4,827 |
| Equity capital to assets | 11.8098% | 2,420 |
| Core capital (leverage) ratio | 11.5250% | 1,968 |
| Tier 1 risk-based capital ratio | 16.1699% | 3,181 |
| Total risk-based capital ratio | 17.4370% | 3,141 |
| Memoranda: | ||
| Average total assets | $181,979,000 | 3,311 |
| Average earning assets | $163,282,750 | 3,360 |
| Average equity | $20,986,500 | 3,119 |
| Average total loans | $131,289,500 | 2,897 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7577% | 2,692 |
| Cost of funding earning assets | 0.6419% | 4,516 |
| Net interest margin | 4.1158% | 2,028 |
| Noninterest income to average assets | 0.5768% | 3,400 |
| Noninterest expense to average assets | 2.8262% | 3,918 |
| Loan and lease loss provision to assets | 0.2667% | 2,449 |
| Net operating income to assets | 0.7339% | 3,688 |
| Return on assets (ROA) | 0.7602% | 3,826 |
| Pretax return on assets | 1.1947% | 2,947 |
| Return on Equity (ROE) | 6.6474% | 3,967 |
| Retained earnings to average equity (ytd only) | 3.2460% | 4,451 |
| Net charge-offs to loans | 0.2138% | 3,292 |
| Credit loss provision to net charge-offs | 172.6619% | 1,628 |
| Earnings coverage of net charge-offs (x) | 9.1942% | 2,196 |
| Efficiency ratio | 66.5533% | 4,413 |
| Assets per employee ($millions) | 3.6750% | 4,575 |
| Cash dividends to net income (ytd only)* | 51.1696% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 2,507 |
| Loan loss allowance to noncurrent loans | 69.2577% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.0030% | 1,836 |
| Noncurrent loans to loans | 2.7644% | 2,171 |
| Net loans and leases to total assets | 71.7935% | 1,590 |
| Net loans and leases to deposits | 86.3313% | 1,558 |
| Net loans and leases to core deposits | 92.3352% | 1,750 |
| Total domestic deposits to total assets | 83.1605% | 4,694 |
| Equity capital to assets | 11.3196% | 2,762 |
| Core capital (leverage) ratio | 11.1794% | 2,141 |
| Tier 1 risk-based capital ratio | 15.0870% | 3,715 |
| Total risk-based capital ratio | 16.3465% | 3,670 |
| Memoranda: | ||
| Average total assets | $179,956,330 | 3,356 |
| Average earning assets | $160,456,670 | 3,417 |
| Average equity | $20,579,330 | 3,155 |
| Average total loans | $130,004,000 | 2,928 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 2,810 |
| Cost of funding earning assets | 0.6467% | 4,759 |
| Net interest margin | 4.1125% | 2,049 |
| Noninterest income to average assets | 0.6470% | 2,944 |
| Noninterest expense to average assets | 2.8665% | 3,760 |
| Loan and lease loss provision to assets | 0.2696% | 2,299 |
| Net operating income to assets | 0.7637% | 3,550 |
| Return on assets (ROA) | 0.8177% | 3,536 |
| Pretax return on assets | 1.2513% | 2,720 |
| Return on Equity (ROE) | 7.1132% | 3,718 |
| Retained earnings to average equity (ytd only) | 3.6934% | 4,374 |
| Net charge-offs to loans | 0.0157% | 4,465 |
| Credit loss provision to net charge-offs | 2,400.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 278 |
| Efficiency ratio | 66.5971% | 4,445 |
| Assets per employee ($millions) | 3.7947% | 4,434 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9819% | 2,414 |
| Loan loss allowance to noncurrent loans | 56.1632% | 4,725 |
| Noncurrent assets plus other real estate owned to assets | 3.0701% | 1,899 |
| Noncurrent loans to loans | 3.5288% | 1,763 |
| Net loans and leases to total assets | 70.2709% | 1,710 |
| Net loans and leases to deposits | 83.5755% | 1,721 |
| Net loans and leases to core deposits | 89.2063% | 1,928 |
| Total domestic deposits to total assets | 84.0808% | 4,446 |
| Equity capital to assets | 11.2866% | 2,638 |
| Core capital (leverage) ratio | 11.4845% | 1,902 |
| Tier 1 risk-based capital ratio | 15.2249% | 3,606 |
| Total risk-based capital ratio | 16.4846% | 3,563 |
| Memoranda: | ||
| Average total assets | $178,058,500 | 3,406 |
| Average earning assets | $158,347,500 | 3,466 |
| Average equity | $20,469,000 | 3,166 |
| Average total loans | $127,757,500 | 2,983 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 2,930 |
| Cost of funding earning assets | 0.8253% | 4,668 |
| Net interest margin | 4.1633% | 2,180 |
| Noninterest income to average assets | 0.5011% | 3,830 |
| Noninterest expense to average assets | 2.8555% | 4,147 |
| Loan and lease loss provision to assets | 0.2670% | 3,547 |
| Net operating income to assets | 0.6732% | 3,613 |
| Return on assets (ROA) | 0.6874% | 3,733 |
| Pretax return on assets | 1.1018% | 2,828 |
| Return on Equity (ROE) | 6.2352% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.1075% | 4,022 |
| Net charge-offs to loans | 0.2857% | 3,986 |
| Credit loss provision to net charge-offs | 131.8681% | 2,313 |
| Earnings coverage of net charge-offs (x) | 6.6511% | 2,472 |
| Efficiency ratio | 67.9550% | 4,370 |
| Assets per employee ($millions) | 3.4794% | 5,069 |
| Cash dividends to net income (ytd only)* | 50.1618% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9795% | 2,345 |
| Loan loss allowance to noncurrent loans | 51.8231% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 3.3080% | 1,797 |
| Noncurrent loans to loans | 3.8197% | 1,644 |
| Net loans and leases to total assets | 70.3901% | 1,952 |
| Net loans and leases to deposits | 83.9456% | 1,931 |
| Net loans and leases to core deposits | 87.9488% | 2,382 |
| Total domestic deposits to total assets | 83.8520% | 4,380 |
| Equity capital to assets | 11.7145% | 2,327 |
| Core capital (leverage) ratio | 11.3980% | 1,971 |
| Tier 1 risk-based capital ratio | 15.2141% | 3,502 |
| Total risk-based capital ratio | 16.4753% | 3,460 |
| Memoranda: | ||
| Average total assets | $179,795,200 | 3,339 |
| Average earning assets | $159,824,600 | 3,410 |
| Average equity | $19,822,800 | 3,178 |
| Average total loans | $127,388,800 | 3,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 3,029 |
| Cost of funding earning assets | 0.8730% | 4,619 |
| Net interest margin | 4.1380% | 2,318 |
| Noninterest income to average assets | 0.4848% | 4,003 |
| Noninterest expense to average assets | 2.8578% | 4,112 |
| Loan and lease loss provision to assets | 0.2648% | 3,390 |
| Net operating income to assets | 0.6620% | 3,811 |
| Return on assets (ROA) | 0.6672% | 3,959 |
| Pretax return on assets | 1.0453% | 3,231 |
| Return on Equity (ROE) | 6.1437% | 3,958 |
| Retained earnings to average equity (ytd only) | 1.9441% | 5,165 |
| Net charge-offs to loans | 0.3708% | 3,238 |
| Credit loss provision to net charge-offs | 101.1236% | 3,317 |
| Earnings coverage of net charge-offs (x) | 4.9720% | 2,913 |
| Efficiency ratio | 68.7003% | 4,174 |
| Assets per employee ($millions) | 3.6999% | 4,539 |
| Cash dividends to net income (ytd only)* | 68.3577% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 2,591 |
| Loan loss allowance to noncurrent loans | 48.8618% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 3.3582% | 1,895 |
| Noncurrent loans to loans | 3.9046% | 1,709 |
| Net loans and leases to total assets | 68.3525% | 2,413 |
| Net loans and leases to deposits | 81.1252% | 2,508 |
| Net loans and leases to core deposits | 85.9362% | 2,776 |
| Total domestic deposits to total assets | 84.2557% | 4,117 |
| Equity capital to assets | 11.3084% | 2,860 |
| Core capital (leverage) ratio | 10.9972% | 2,391 |
| Tier 1 risk-based capital ratio | 14.7116% | 3,827 |
| Total risk-based capital ratio | 15.9696% | 3,801 |
| Memoranda: | ||
| Average total assets | $181,251,000 | 3,329 |
| Average earning assets | $160,975,000 | 3,405 |
| Average equity | $19,683,500 | 3,194 |
| Average total loans | $128,003,000 | 3,044 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 3,111 |
| Cost of funding earning assets | 0.9330% | 4,436 |
| Net interest margin | 4.0772% | 2,503 |
| Noninterest income to average assets | 0.4965% | 3,887 |
| Noninterest expense to average assets | 2.7807% | 4,502 |
| Loan and lease loss provision to assets | 0.2631% | 3,296 |
| Net operating income to assets | 0.6993% | 3,551 |
| Return on assets (ROA) | 0.6993% | 3,662 |
| Pretax return on assets | 1.0785% | 2,938 |
| Return on Equity (ROE) | 6.5267% | 3,689 |
| Retained earnings to average equity (ytd only) | 0.1841% | 5,765 |
| Net charge-offs to loans | -0.0031% | 6,548 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4555% | 4,613 |
| Assets per employee ($millions) | 3.4436% | 5,093 |
| Cash dividends to net income (ytd only)* | 97.1787% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 2,211 |
| Loan loss allowance to noncurrent loans | 60.4138% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 3.9078% | 1,653 |
| Noncurrent loans to loans | 3.4101% | 2,081 |
| Net loans and leases to total assets | 70.3524% | 2,147 |
| Net loans and leases to deposits | 84.6714% | 1,997 |
| Net loans and leases to core deposits | 88.7805% | 2,530 |
| Total domestic deposits to total assets | 83.0888% | 4,717 |
| Equity capital to assets | 11.3112% | 2,672 |
| Core capital (leverage) ratio | 10.5247% | 2,690 |
| Tier 1 risk-based capital ratio | 14.2998% | 3,938 |
| Total risk-based capital ratio | 15.5599% | 3,906 |
| Memoranda: | ||
| Average total assets | $182,470,000 | 3,334 |
| Average earning assets | $162,266,330 | 3,400 |
| Average equity | $19,550,330 | 3,192 |
| Average total loans | $129,420,330 | 3,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 3,526 |
| Cost of funding earning assets | 0.9744% | 4,395 |
| Net interest margin | 3.9387% | 2,961 |
| Noninterest income to average assets | 0.3895% | 4,791 |
| Noninterest expense to average assets | 2.7435% | 4,663 |
| Loan and lease loss provision to assets | 0.2582% | 3,076 |
| Net operating income to assets | 0.5336% | 4,337 |
| Return on assets (ROA) | 0.5336% | 4,426 |
| Pretax return on assets | 0.9016% | 3,488 |
| Return on Equity (ROE) | 5.1152% | 4,332 |
| Retained earnings to average equity (ytd only) | -7.6729% | 6,727 |
| Net charge-offs to loans | -0.0122% | 6,422 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2867% | 4,197 |
| Assets per employee ($millions) | 3.7550% | 4,405 |
| Cash dividends to net income (ytd only)* | 250.0000% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 2,600 |
| Loan loss allowance to noncurrent loans | 58.2083% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 3.7866% | 1,781 |
| Noncurrent loans to loans | 3.3141% | 2,267 |
| Net loans and leases to total assets | 70.0072% | 2,129 |
| Net loans and leases to deposits | 83.9941% | 2,032 |
| Net loans and leases to core deposits | 89.5994% | 2,393 |
| Total domestic deposits to total assets | 83.3478% | 4,772 |
| Equity capital to assets | 10.6469% | 3,044 |
| Core capital (leverage) ratio | 9.8916% | 3,277 |
| Tier 1 risk-based capital ratio | 13.6019% | 4,359 |
| Total risk-based capital ratio | 14.8599% | 4,321 |
| Memoranda: | ||
| Average total assets | $185,893,500 | 3,299 |
| Average earning assets | $165,839,500 | 3,365 |
| Average equity | $19,393,000 | 3,205 |
| Average total loans | $131,053,500 | 3,046 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 3,764 |
| Cost of funding earning assets | 1.1797% | 4,681 |
| Net interest margin | 3.9870% | 3,076 |
| Noninterest income to average assets | 0.3875% | 4,994 |
| Noninterest expense to average assets | 2.6830% | 5,067 |
| Loan and lease loss provision to assets | 0.3392% | 4,116 |
| Net operating income to assets | 0.6070% | 3,640 |
| Return on assets (ROA) | 0.6091% | 3,796 |
| Pretax return on assets | 0.9175% | 3,212 |
| Return on Equity (ROE) | 6.1996% | 3,518 |
| Retained earnings to average equity (ytd only) | 6.1996% | 1,715 |
| Net charge-offs to loans | 0.1898% | 5,165 |
| Credit loss provision to net charge-offs | 248.1203% | 1,155 |
| Earnings coverage of net charge-offs (x) | 9.1692% | 1,865 |
| Efficiency ratio | 68.1551% | 4,532 |
| Assets per employee ($millions) | 3.8309% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 2,967 |
| Loan loss allowance to noncurrent loans | 46.1991% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.9640% | 1,715 |
| Noncurrent loans to loans | 3.8248% | 1,928 |
| Net loans and leases to total assets | 68.4354% | 2,879 |
| Net loans and leases to deposits | 82.2046% | 2,764 |
| Net loans and leases to core deposits | 90.4472% | 2,702 |
| Total domestic deposits to total assets | 83.2501% | 4,695 |
| Equity capital to assets | 10.2304% | 3,463 |
| Core capital (leverage) ratio | 9.7286% | 3,401 |
| Tier 1 risk-based capital ratio | 13.3021% | 4,371 |
| Total risk-based capital ratio | 14.5603% | 4,325 |
| Memoranda: | ||
| Average total assets | $194,558,600 | 3,168 |
| Average earning assets | $173,186,400 | 3,222 |
| Average equity | $19,114,000 | 3,267 |
| Average total loans | $140,135,000 | 2,951 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1329% | 4,158 |
| Cost of funding earning assets | 1.2178% | 4,759 |
| Net interest margin | 3.9151% | 3,465 |
| Noninterest income to average assets | 0.4232% | 4,772 |
| Noninterest expense to average assets | 2.7054% | 4,861 |
| Loan and lease loss provision to assets | 0.3140% | 4,064 |
| Net operating income to assets | 0.6103% | 3,837 |
| Return on assets (ROA) | 0.6103% | 4,002 |
| Pretax return on assets | 0.8847% | 3,602 |
| Return on Equity (ROE) | 6.2757% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.2757% | 2,216 |
| Net charge-offs to loans | -0.0066% | 7,230 |
| Credit loss provision to net charge-offs | -6,571.4286% | 7,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2953% | 4,206 |
| Assets per employee ($millions) | 3.9512% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7557% | 2,956 |
| Loan loss allowance to noncurrent loans | 51.7462% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 3.0386% | 2,387 |
| Noncurrent loans to loans | 3.3929% | 2,342 |
| Net loans and leases to total assets | 70.2330% | 2,682 |
| Net loans and leases to deposits | 86.5516% | 2,232 |
| Net loans and leases to core deposits | 95.0562% | 2,382 |
| Total domestic deposits to total assets | 81.1458% | 5,320 |
| Equity capital to assets | 10.1019% | 4,018 |
| Core capital (leverage) ratio | 9.2824% | 4,231 |
| Tier 1 risk-based capital ratio | 12.7321% | 4,793 |
| Total risk-based capital ratio | 13.9896% | 4,764 |
| Memoranda: | ||
| Average total assets | $195,311,500 | 3,200 |
| Average earning assets | $173,646,500 | 3,256 |
| Average equity | $18,993,500 | 3,318 |
| Average total loans | $141,807,750 | 2,945 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 4,331 |
| Cost of funding earning assets | 1.2540% | 4,800 |
| Net interest margin | 3.8693% | 3,592 |
| Noninterest income to average assets | 0.5350% | 3,834 |
| Noninterest expense to average assets | 2.6812% | 4,990 |
| Loan and lease loss provision to assets | 0.3472% | 3,643 |
| Net operating income to assets | 0.6279% | 3,741 |
| Return on assets (ROA) | 0.6279% | 3,882 |
| Pretax return on assets | 0.9342% | 3,368 |
| Return on Equity (ROE) | 6.5407% | 3,533 |
| Retained earnings to average equity (ytd only) | 6.5407% | 2,060 |
| Net charge-offs to loans | 0.0476% | 5,720 |
| Credit loss provision to net charge-offs | 1,000.0000% | 369 |
| Earnings coverage of net charge-offs (x) | 36.9118% | 782 |
| Efficiency ratio | 67.6630% | 4,642 |
| Assets per employee ($millions) | 3.6810% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5960% | 3,463 |
| Loan loss allowance to noncurrent loans | 39.5848% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 4.3414% | 1,536 |
| Noncurrent loans to loans | 4.0317% | 1,872 |
| Net loans and leases to total assets | 73.0904% | 2,146 |
| Net loans and leases to deposits | 90.9790% | 1,693 |
| Net loans and leases to core deposits | 101.1627% | 1,907 |
| Total domestic deposits to total assets | 80.3376% | 5,617 |
| Equity capital to assets | 9.9999% | 4,024 |
| Core capital (leverage) ratio | 9.1182% | 4,434 |
| Tier 1 risk-based capital ratio | 12.0816% | 5,242 |
| Total risk-based capital ratio | 13.3367% | 5,204 |
| Memoranda: | ||
| Average total assets | $195,879,670 | 3,219 |
| Average earning assets | $173,520,330 | 3,282 |
| Average equity | $18,805,330 | 3,330 |
| Average total loans | $142,941,670 | 2,961 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 4,985 |
| Cost of funding earning assets | 1.2891% | 4,879 |
| Net interest margin | 3.7196% | 4,151 |
| Noninterest income to average assets | 0.4805% | 4,197 |
| Noninterest expense to average assets | 2.5218% | 5,649 |
| Loan and lease loss provision to assets | 0.2423% | 4,109 |
| Net operating income to assets | 0.6582% | 3,624 |
| Return on assets (ROA) | 0.6582% | 3,735 |
| Pretax return on assets | 1.0196% | 3,013 |
| Return on Equity (ROE) | 6.9966% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.9966% | 2,133 |
| Net charge-offs to loans | 0.0893% | 4,521 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 19.5313% | 1,195 |
| Efficiency ratio | 66.6489% | 4,982 |
| Assets per employee ($millions) | 3.7767% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,228 |
| Loan loss allowance to noncurrent loans | 31.7296% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 4.6189% | 1,454 |
| Noncurrent loans to loans | 4.5278% | 1,652 |
| Net loans and leases to total assets | 71.6491% | 2,533 |
| Net loans and leases to deposits | 89.0632% | 2,053 |
| Net loans and leases to core deposits | 99.9034% | 2,143 |
| Total domestic deposits to total assets | 80.4475% | 5,639 |
| Equity capital to assets | 9.5377% | 4,470 |
| Core capital (leverage) ratio | 8.7482% | 4,943 |
| Tier 1 risk-based capital ratio | 11.5546% | 5,625 |
| Total risk-based capital ratio | 12.8067% | 5,598 |
| Memoranda: | ||
| Average total assets | $198,114,000 | 3,239 |
| Average earning assets | $175,933,000 | 3,307 |
| Average equity | $18,637,500 | 3,374 |
| Average total loans | $143,326,500 | 3,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4970% | 4,159 |
| Cost of funding earning assets | 1.9445% | 3,238 |
| Net interest margin | 3.5526% | 4,733 |
| Noninterest income to average assets | 0.3067% | 5,893 |
| Noninterest expense to average assets | 2.8238% | 4,870 |
| Loan and lease loss provision to assets | 0.3776% | 4,522 |
| Net operating income to assets | 0.2772% | 4,617 |
| Return on assets (ROA) | -1.3760% | 6,805 |
| Pretax return on assets | -2.2650% | 7,047 |
| Return on Equity (ROE) | -16.3395% | 7,005 |
| Retained earnings to average equity (ytd only) | -16.3395% | 6,953 |
| Net charge-offs to loans | 0.3477% | 4,490 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 2.7639% | 3,714 |
| Efficiency ratio | 80.2327% | 2,852 |
| Assets per employee ($millions) | 3.7705% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 4,411 |
| Loan loss allowance to noncurrent loans | 30.0337% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 4.1613% | 1,572 |
| Noncurrent loans to loans | 4.5423% | 1,561 |
| Net loans and leases to total assets | 71.0212% | 2,995 |
| Net loans and leases to deposits | 88.9468% | 2,398 |
| Net loans and leases to core deposits | 109.6138% | 2,942 |
| Total domestic deposits to total assets | 79.8468% | 5,714 |
| Equity capital to assets | 9.2795% | 4,723 |
| Core capital (leverage) ratio | 8.4151% | 5,412 |
| Tier 1 risk-based capital ratio | 11.2122% | 5,706 |
| Total risk-based capital ratio | 12.4638% | 5,655 |
| Memoranda: | ||
| Average total assets | $200,224,600 | 3,179 |
| Average earning assets | $181,079,200 | 3,205 |
| Average equity | $16,861,000 | 3,701 |
| Average total loans | $144,956,200 | 3,003 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5973% | 3,878 |
| Cost of funding earning assets | 2.0752% | 3,011 |
| Net interest margin | 3.5221% | 4,772 |
| Noninterest income to average assets | 0.4566% | 4,858 |
| Noninterest expense to average assets | 2.9006% | 4,451 |
| Loan and lease loss provision to assets | 0.4233% | 3,783 |
| Net operating income to assets | 0.2206% | 5,087 |
| Return on assets (ROA) | -2.0174% | 7,324 |
| Pretax return on assets | -3.1136% | 7,533 |
| Return on Equity (ROE) | -24.5813% | 7,498 |
| Retained earnings to average equity (ytd only) | -24.5813% | 7,474 |
| Net charge-offs to loans | 0.4664% | 3,354 |
| Credit loss provision to net charge-offs | 125.1969% | 4,018 |
| Earnings coverage of net charge-offs (x) | 2.2264% | 4,150 |
| Efficiency ratio | 79.3952% | 2,938 |
| Assets per employee ($millions) | 3.5735% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 4,616 |
| Loan loss allowance to noncurrent loans | 37.2117% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 3.7733% | 1,717 |
| Noncurrent loans to loans | 3.4413% | 2,172 |
| Net loans and leases to total assets | 70.8446% | 3,306 |
| Net loans and leases to deposits | 89.8541% | 2,610 |
| Net loans and leases to core deposits | 113.9337% | 2,833 |
| Total domestic deposits to total assets | 78.8441% | 5,853 |
| Equity capital to assets | 8.4137% | 6,367 |
| Core capital (leverage) ratio | 7.9594% | 6,432 |
| Tier 1 risk-based capital ratio | 9.5352% | 7,347 |
| Total risk-based capital ratio | 10.6371% | 7,415 |
| Memoranda: | ||
| Average total assets | $200,321,000 | 3,201 |
| Average earning assets | $181,821,250 | 3,217 |
| Average equity | $16,440,250 | 3,825 |
| Average total loans | $145,222,500 | 3,032 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7113% | 3,472 |
| Cost of funding earning assets | 2.1642% | 2,964 |
| Net interest margin | 3.5471% | 4,586 |
| Noninterest income to average assets | 0.5220% | 4,256 |
| Noninterest expense to average assets | 2.9093% | 4,467 |
| Loan and lease loss provision to assets | 0.2395% | 4,670 |
| Net operating income to assets | 0.4582% | 4,261 |
| Return on assets (ROA) | -0.4890% | 6,545 |
| Pretax return on assets | -0.8713% | 6,731 |
| Return on Equity (ROE) | -6.0093% | 6,711 |
| Retained earnings to average equity (ytd only) | -6.0093% | 6,452 |
| Net charge-offs to loans | 0.3499% | 3,439 |
| Credit loss provision to net charge-offs | 94.1176% | 4,797 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,480 |
| Efficiency ratio | 77.4236% | 3,435 |
| Assets per employee ($millions) | 3.4754% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,042 |
| Loan loss allowance to noncurrent loans | 64.0000% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.2007% | 2,937 |
| Noncurrent loans to loans | 1.8522% | 3,730 |
| Net loans and leases to total assets | 70.1387% | 3,673 |
| Net loans and leases to deposits | 91.7397% | 2,512 |
| Net loans and leases to core deposits | 117.4194% | 2,596 |
| Total domestic deposits to total assets | 76.4541% | 6,451 |
| Equity capital to assets | 8.2462% | 6,420 |
| Core capital (leverage) ratio | 9.8756% | 3,424 |
| Tier 1 risk-based capital ratio | 9.9698% | 6,960 |
| Total risk-based capital ratio | 10.8268% | 7,283 |
| Memoranda: | ||
| Average total assets | $200,390,000 | 3,221 |
| Average earning assets | $182,794,670 | 3,231 |
| Average equity | $16,308,000 | 3,856 |
| Average total loans | $145,760,330 | 3,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8622% | 2,978 |
| Cost of funding earning assets | 2.2977% | 2,709 |
| Net interest margin | 3.5645% | 4,466 |
| Noninterest income to average assets | 0.4585% | 4,698 |
| Noninterest expense to average assets | 2.7708% | 4,695 |
| Loan and lease loss provision to assets | 0.2402% | 4,060 |
| Net operating income to assets | 0.4625% | 4,604 |
| Return on assets (ROA) | 0.4625% | 4,781 |
| Pretax return on assets | 0.7147% | 4,383 |
| Return on Equity (ROE) | 5.7210% | 4,159 |
| Retained earnings to average equity (ytd only) | 5.7210% | 2,768 |
| Net charge-offs to loans | -0.0027% | 7,126 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3686% | 3,759 |
| Assets per employee ($millions) | 3.6441% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 4,480 |
| Loan loss allowance to noncurrent loans | 38.3023% | 5,992 |
| Noncurrent assets plus other real estate owned to assets | 2.4703% | 2,321 |
| Noncurrent loans to loans | 3.2523% | 1,980 |
| Net loans and leases to total assets | 72.4624% | 3,137 |
| Net loans and leases to deposits | 99.6309% | 1,460 |
| Net loans and leases to core deposits | 131.5686% | 1,565 |
| Total domestic deposits to total assets | 72.7308% | 7,097 |
| Equity capital to assets | 7.9916% | 6,825 |
| Core capital (leverage) ratio | 10.3891% | 3,036 |
| Tier 1 risk-based capital ratio | 13.2249% | 4,037 |
| Total risk-based capital ratio | 14.4026% | 4,003 |
| Memoranda: | ||
| Average total assets | $199,799,000 | 3,247 |
| Average earning assets | $183,138,000 | 3,248 |
| Average equity | $16,151,000 | 3,914 |
| Average total loans | $147,102,500 | 3,056 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6588% | 2,211 |
| Cost of funding earning assets | 3.0292% | 1,755 |
| Net interest margin | 3.6296% | 4,756 |
| Noninterest income to average assets | 0.5110% | 4,536 |
| Noninterest expense to average assets | 2.6798% | 5,341 |
| Loan and lease loss provision to assets | 0.2860% | 4,096 |
| Net operating income to assets | 0.6024% | 4,290 |
| Return on assets (ROA) | -0.1959% | 6,465 |
| Pretax return on assets | -0.3662% | 6,514 |
| Return on Equity (ROE) | -2.1214% | 6,526 |
| Retained earnings to average equity (ytd only) | -6.3854% | 6,707 |
| Net charge-offs to loans | 0.1949% | 4,239 |
| Credit loss provision to net charge-offs | 205.3004% | 2,364 |
| Earnings coverage of net charge-offs (x) | 8.3781% | 2,893 |
| Efficiency ratio | 69.6609% | 4,417 |
| Assets per employee ($millions) | 3.4943% | 4,678 |
| Cash dividends to net income (ytd only)* | -201.0050% | 8,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 4,831 |
| Loan loss allowance to noncurrent loans | 54.4731% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 1.6468% | 2,950 |
| Noncurrent loans to loans | 2.1347% | 2,588 |
| Net loans and leases to total assets | 73.0166% | 3,355 |
| Net loans and leases to deposits | 101.5445% | 1,635 |
| Net loans and leases to core deposits | 141.0476% | 1,213 |
| Total domestic deposits to total assets | 71.9060% | 7,017 |
| Equity capital to assets | 8.1763% | 6,584 |
| Core capital (leverage) ratio | 9.7948% | 3,651 |
| Tier 1 risk-based capital ratio | 13.0024% | 4,110 |
| Total risk-based capital ratio | 14.0961% | 4,120 |
| Memoranda: | ||
| Average total assets | $203,148,000 | 3,100 |
| Average earning assets | $186,715,200 | 3,090 |
| Average equity | $18,761,600 | 3,435 |
| Average total loans | $145,216,200 | 3,005 |