Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4822% | 2,133 |
| Cost of funding earning assets | 2.1856% | 1,479 |
| Net interest margin | 3.2966% | 2,780 |
| Noninterest income to average assets | 0.8000% | 814 |
| Noninterest expense to average assets | 2.5748% | 2,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0649% | 2,103 |
| Return on assets (ROA) | 1.0649% | 2,102 |
| Pretax return on assets | 1.3285% | 1,896 |
| Return on Equity (ROE) | 12.3600% | 1,652 |
| Retained earnings to average equity (ytd only) | 9.5136% | 1,301 |
| Net charge-offs to loans | 0.0053% | 2,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 388.0909% | 243 |
| Efficiency ratio | 65.9651% | 2,251 |
| Assets per employee ($millions) | 7.1981% | 2,083 |
| Cash dividends to net income (ytd only)* | 23.0567% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 798 |
| Loan loss allowance to noncurrent loans | 412.4691% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 2,121 |
| Noncurrent loans to loans | 0.3895% | 2,145 |
| Net loans and leases to total assets | 61.6500% | 2,734 |
| Net loans and leases to deposits | 67.7079% | 3,014 |
| Net loans and leases to core deposits | 75.7243% | 2,970 |
| Total domestic deposits to total assets | 91.0600% | 503 |
| Equity capital to assets | 8.5388% | 3,290 |
| Core capital (leverage) ratio | 9.2559% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,285,358,000 | 840 |
| Average earning assets | $1,211,182,000 | 820 |
| Average equity | $110,705,000 | 965 |
| Average total loans | $837,556,500 | 873 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4373% | 2,260 |
| Cost of funding earning assets | 2.1140% | 1,947 |
| Net interest margin | 3.3233% | 2,451 |
| Noninterest income to average assets | 0.8600% | 814 |
| Noninterest expense to average assets | 2.6119% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1041% | 1,737 |
| Return on assets (ROA) | 1.1041% | 1,735 |
| Pretax return on assets | 1.3715% | 1,582 |
| Return on Equity (ROE) | 13.3300% | 1,285 |
| Retained earnings to average equity (ytd only) | 10.4249% | 513 |
| Net charge-offs to loans | 0.0154% | 2,358 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 139.7521% | 651 |
| Efficiency ratio | 65.5699% | 2,532 |
| Assets per employee ($millions) | 7.0015% | 2,155 |
| Cash dividends to net income (ytd only)* | 21.7880% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 835 |
| Loan loss allowance to noncurrent loans | 481.4868% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,219 |
| Noncurrent loans to loans | 0.3278% | 2,281 |
| Net loans and leases to total assets | 66.7500% | 2,294 |
| Net loans and leases to deposits | 73.4402% | 2,700 |
| Net loans and leases to core deposits | 83.1153% | 2,556 |
| Total domestic deposits to total assets | 90.8900% | 548 |
| Equity capital to assets | 8.6914% | 3,047 |
| Core capital (leverage) ratio | 9.1262% | 3,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,232,961,600 | 857 |
| Average earning assets | $1,157,279,400 | 839 |
| Average equity | $102,130,800 | 999 |
| Average total loans | $788,001,800 | 911 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 2,173 |
| Cost of funding earning assets | 2.0972% | 1,880 |
| Net interest margin | 3.2875% | 2,433 |
| Noninterest income to average assets | 0.8000% | 865 |
| Noninterest expense to average assets | 2.5455% | 2,111 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0816% | 1,757 |
| Return on assets (ROA) | 1.0816% | 1,760 |
| Pretax return on assets | 1.3388% | 1,605 |
| Return on Equity (ROE) | 13.4400% | 1,277 |
| Retained earnings to average equity (ytd only) | 10.2130% | 829 |
| Net charge-offs to loans | 0.0233% | 1,692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 94.8256% | 794 |
| Efficiency ratio | 65.5325% | 2,600 |
| Assets per employee ($millions) | 6.8462% | 2,174 |
| Cash dividends to net income (ytd only)* | 23.9982% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 832 |
| Loan loss allowance to noncurrent loans | 942.0423% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 2,879 |
| Noncurrent loans to loans | 0.1712% | 2,821 |
| Net loans and leases to total assets | 66.5800% | 2,278 |
| Net loans and leases to deposits | 75.6230% | 2,580 |
| Net loans and leases to core deposits | 84.5467% | 2,489 |
| Total domestic deposits to total assets | 88.0400% | 1,316 |
| Equity capital to assets | 8.1917% | 3,308 |
| Core capital (leverage) ratio | 8.9121% | 3,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,218,224,000 | 859 |
| Average earning assets | $1,141,541,000 | 842 |
| Average equity | $98,051,333 | 1,021 |
| Average total loans | $739,491,000 | 958 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 2,343 |
| Cost of funding earning assets | 2.0278% | 1,923 |
| Net interest margin | 3.1998% | 2,570 |
| Noninterest income to average assets | 0.7800% | 861 |
| Noninterest expense to average assets | 2.4778% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0535% | 1,792 |
| Return on assets (ROA) | 1.0535% | 1,796 |
| Pretax return on assets | 1.3015% | 1,637 |
| Return on Equity (ROE) | 13.2100% | 1,292 |
| Retained earnings to average equity (ytd only) | 9.9666% | 1,120 |
| Net charge-offs to loans | 0.0265% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 85.9130% | 733 |
| Efficiency ratio | 65.5629% | 2,634 |
| Assets per employee ($millions) | 7.0272% | 2,068 |
| Cash dividends to net income (ytd only)* | 24.5389% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 460 |
| Loan loss allowance to noncurrent loans | 1,142.8450% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,018 |
| Noncurrent loans to loans | 0.1659% | 2,794 |
| Net loans and leases to total assets | 54.3000% | 3,316 |
| Net loans and leases to deposits | 67.3389% | 3,080 |
| Net loans and leases to core deposits | 74.1342% | 3,102 |
| Total domestic deposits to total assets | 80.6300% | 3,441 |
| Equity capital to assets | 7.6320% | 3,592 |
| Core capital (leverage) ratio | 8.8585% | 3,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,214,602,500 | 868 |
| Average earning assets | $1,138,960,500 | 853 |
| Average equity | $96,884,000 | 1,023 |
| Average total loans | $694,618,000 | 1,012 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 2,315 |
| Cost of funding earning assets | 1.0000% | 3,291 |
| Net interest margin | 3.8839% | 1,404 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.8286% | 1,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3119% | 1,413 |
| Return on assets (ROA) | 1.3119% | 1,380 |
| Pretax return on assets | 1.6241% | 1,190 |
| Return on Equity (ROE) | 15.6000% | 1,173 |
| Retained earnings to average equity (ytd only) | 11.1666% | 757 |
| Net charge-offs to loans | -0.0006% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.5250% | 2,666 |
| Assets per employee ($millions) | 6.2513% | 2,589 |
| Cash dividends to net income (ytd only)* | 28.4273% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 392 |
| Loan loss allowance to noncurrent loans | 1,098.0424% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 2,824 |
| Noncurrent loans to loans | 0.1799% | 2,615 |
| Net loans and leases to total assets | 58.0700% | 3,031 |
| Net loans and leases to deposits | 73.6580% | 2,640 |
| Net loans and leases to core deposits | 78.5104% | 2,798 |
| Total domestic deposits to total assets | 78.8400% | 3,631 |
| Equity capital to assets | 8.3598% | 3,152 |
| Core capital (leverage) ratio | 9.5123% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,050,346,200 | 940 |
| Average earning assets | $975,628,000 | 927 |
| Average equity | $88,317,200 | 1,050 |
| Average total loans | $668,381,800 | 1,004 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 2,268 |
| Cost of funding earning assets | 0.8207% | 3,472 |
| Net interest margin | 3.9765% | 1,260 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.8188% | 1,390 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4097% | 1,297 |
| Return on assets (ROA) | 1.4097% | 1,281 |
| Pretax return on assets | 1.7464% | 1,092 |
| Return on Equity (ROE) | 16.7400% | 1,125 |
| Retained earnings to average equity (ytd only) | 13.1065% | 797 |
| Net charge-offs to loans | -0.0010% | 3,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.7449% | 2,752 |
| Assets per employee ($millions) | 6.1345% | 2,628 |
| Cash dividends to net income (ytd only)* | 21.6954% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9270% | 449 |
| Loan loss allowance to noncurrent loans | 1,082.2347% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 2,827 |
| Noncurrent loans to loans | 0.1781% | 2,657 |
| Net loans and leases to total assets | 61.3700% | 2,717 |
| Net loans and leases to deposits | 74.2950% | 2,541 |
| Net loans and leases to core deposits | 78.5642% | 2,710 |
| Total domestic deposits to total assets | 82.6000% | 3,089 |
| Equity capital to assets | 7.9097% | 3,112 |
| Core capital (leverage) ratio | 9.3951% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,025,370,750 | 965 |
| Average earning assets | $948,147,500 | 955 |
| Average equity | $86,357,000 | 1,065 |
| Average total loans | $665,126,500 | 1,004 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 2,248 |
| Cost of funding earning assets | 0.5753% | 3,815 |
| Net interest margin | 4.1044% | 1,080 |
| Noninterest income to average assets | 0.7400% | 999 |
| Noninterest expense to average assets | 2.8068% | 1,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3930% | 1,354 |
| Return on assets (ROA) | 1.3930% | 1,329 |
| Pretax return on assets | 1.7236% | 1,160 |
| Return on Equity (ROE) | 16.1700% | 1,235 |
| Retained earnings to average equity (ytd only) | 12.5032% | 885 |
| Net charge-offs to loans | -0.0006% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.9548% | 2,720 |
| Assets per employee ($millions) | 5.8175% | 2,868 |
| Cash dividends to net income (ytd only)* | 22.6840% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 401 |
| Loan loss allowance to noncurrent loans | 1,757.1081% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,006 |
| Noncurrent loans to loans | 0.1152% | 2,902 |
| Net loans and leases to total assets | 65.3800% | 2,222 |
| Net loans and leases to deposits | 79.4989% | 2,015 |
| Net loans and leases to core deposits | 82.2930% | 2,312 |
| Total domestic deposits to total assets | 82.2400% | 3,179 |
| Equity capital to assets | 8.1549% | 3,112 |
| Core capital (leverage) ratio | 9.6719% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $995,000,667 | 979 |
| Average earning assets | $918,085,667 | 972 |
| Average equity | $85,706,000 | 1,060 |
| Average total loans | $653,951,333 | 1,002 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5464% | 2,203 |
| Cost of funding earning assets | 0.2661% | 4,267 |
| Net interest margin | 4.2802% | 837 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.7436% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4478% | 1,292 |
| Return on assets (ROA) | 1.4457% | 1,269 |
| Pretax return on assets | 1.7884% | 1,087 |
| Return on Equity (ROE) | 16.3000% | 1,297 |
| Retained earnings to average equity (ytd only) | 12.6247% | 1,158 |
| Net charge-offs to loans | 0.0160% | 1,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 171.4400% | 560 |
| Efficiency ratio | 60.5050% | 2,892 |
| Assets per employee ($millions) | 5.3148% | 3,394 |
| Cash dividends to net income (ytd only)* | 22.5434% | 1,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3217% | 271 |
| Loan loss allowance to noncurrent loans | 1,680.2095% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 2,912 |
| Noncurrent loans to loans | 0.1382% | 2,804 |
| Net loans and leases to total assets | 63.4700% | 2,299 |
| Net loans and leases to deposits | 69.9708% | 2,615 |
| Net loans and leases to core deposits | 71.5034% | 2,853 |
| Total domestic deposits to total assets | 90.7100% | 905 |
| Equity capital to assets | 9.0459% | 2,480 |
| Core capital (leverage) ratio | 10.1723% | 2,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $957,291,000 | 1,031 |
| Average earning assets | $888,360,500 | 1,025 |
| Average equity | $84,913,000 | 1,081 |
| Average total loans | $623,776,000 | 1,053 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4332% | 3,259 |
| Cost of funding earning assets | 0.0448% | 4,584 |
| Net interest margin | 3.3884% | 2,297 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.7438% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0366% | 2,432 |
| Return on assets (ROA) | 1.0366% | 2,371 |
| Pretax return on assets | 1.2667% | 2,213 |
| Return on Equity (ROE) | 11.9900% | 2,141 |
| Retained earnings to average equity (ytd only) | 8.2704% | 1,730 |
| Net charge-offs to loans | -0.0479% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.4160% | 1,911 |
| Assets per employee ($millions) | 5.6019% | 3,122 |
| Cash dividends to net income (ytd only)* | 31.0441% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 327 |
| Loan loss allowance to noncurrent loans | 1,406.3741% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 2,840 |
| Noncurrent loans to loans | 0.1529% | 2,731 |
| Net loans and leases to total assets | 63.9300% | 2,250 |
| Net loans and leases to deposits | 71.7285% | 2,429 |
| Net loans and leases to core deposits | 72.6833% | 2,667 |
| Total domestic deposits to total assets | 89.1300% | 1,684 |
| Equity capital to assets | 8.6946% | 2,565 |
| Core capital (leverage) ratio | 9.8770% | 2,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $969,239,000 | 1,009 |
| Average earning assets | $898,714,600 | 1,000 |
| Average equity | $83,768,800 | 1,092 |
| Average total loans | $518,231,800 | 1,147 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1037% | 3,672 |
| Cost of funding earning assets | 0.0456% | 4,595 |
| Net interest margin | 3.0581% | 3,057 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.7082% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8796% | 2,966 |
| Return on assets (ROA) | 0.8796% | 2,937 |
| Pretax return on assets | 1.0730% | 2,802 |
| Return on Equity (ROE) | 10.1900% | 2,667 |
| Retained earnings to average equity (ytd only) | 6.4703% | 2,564 |
| Net charge-offs to loans | -0.0640% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6229% | 1,573 |
| Assets per employee ($millions) | 5.7933% | 2,937 |
| Cash dividends to net income (ytd only)* | 36.5196% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6339% | 202 |
| Loan loss allowance to noncurrent loans | 1,442.9185% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 2,996 |
| Noncurrent loans to loans | 0.1825% | 2,673 |
| Net loans and leases to total assets | 50.4800% | 3,418 |
| Net loans and leases to deposits | 54.9124% | 3,555 |
| Net loans and leases to core deposits | 55.7998% | 3,638 |
| Total domestic deposits to total assets | 91.9200% | 906 |
| Equity capital to assets | 7.9248% | 2,946 |
| Core capital (leverage) ratio | 9.3383% | 3,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $972,067,750 | 1,014 |
| Average earning assets | $900,231,250 | 1,003 |
| Average equity | $83,889,000 | 1,098 |
| Average total loans | $491,317,000 | 1,189 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7743% | 4,019 |
| Cost of funding earning assets | 0.0464% | 4,616 |
| Net interest margin | 2.7279% | 3,647 |
| Noninterest income to average assets | 0.8471% | 948 |
| Noninterest expense to average assets | 2.7270% | 1,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5497% | 3,764 |
| Return on assets (ROA) | 0.5497% | 3,715 |
| Pretax return on assets | 0.6468% | 3,723 |
| Return on Equity (ROE) | 6.1979% | 3,530 |
| Retained earnings to average equity (ytd only) | 2.5514% | 3,604 |
| Net charge-offs to loans | -0.0969% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8281% | 888 |
| Assets per employee ($millions) | 5.6809% | 3,044 |
| Cash dividends to net income (ytd only)* | 58.8346% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4649% | 270 |
| Loan loss allowance to noncurrent loans | 1,236.9825% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1100% | 2,938 |
| Noncurrent loans to loans | 0.1993% | 2,713 |
| Net loans and leases to total assets | 53.8246% | 2,980 |
| Net loans and leases to deposits | 58.7835% | 3,154 |
| Net loans and leases to core deposits | 59.9739% | 3,272 |
| Total domestic deposits to total assets | 91.5640% | 1,012 |
| Equity capital to assets | 8.3142% | 2,895 |
| Core capital (leverage) ratio | 9.1767% | 3,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $967,805,667 | 1,008 |
| Average earning assets | $896,438,667 | 1,012 |
| Average equity | $85,836,000 | 1,099 |
| Average total loans | $484,900,000 | 1,196 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5480% | 4,199 |
| Cost of funding earning assets | 0.0468% | 4,623 |
| Net interest margin | 2.5012% | 3,906 |
| Noninterest income to average assets | 0.9851% | 693 |
| Noninterest expense to average assets | 2.7151% | 1,325 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5059% | 3,700 |
| Return on assets (ROA) | 0.5059% | 3,666 |
| Pretax return on assets | 0.5924% | 3,656 |
| Return on Equity (ROE) | 5.5258% | 3,479 |
| Retained earnings to average equity (ytd only) | 1.9803% | 3,545 |
| Net charge-offs to loans | 0.0158% | 1,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 78.7778% | 750 |
| Efficiency ratio | 82.0892% | 979 |
| Assets per employee ($millions) | 5.7175% | 3,097 |
| Cash dividends to net income (ytd only)* | 64.1618% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1272% | 143 |
| Loan loss allowance to noncurrent loans | 1,252.9915% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,054 |
| Noncurrent loans to loans | 0.2496% | 2,591 |
| Net loans and leases to total assets | 41.8042% | 3,892 |
| Net loans and leases to deposits | 45.8194% | 3,987 |
| Net loans and leases to core deposits | 47.0007% | 4,026 |
| Total domestic deposits to total assets | 91.2369% | 918 |
| Equity capital to assets | 8.6708% | 3,006 |
| Core capital (leverage) ratio | 9.3021% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $957,468,500 | 1,023 |
| Average earning assets | $888,999,500 | 1,023 |
| Average equity | $87,662,000 | 1,109 |
| Average total loans | $454,604,500 | 1,250 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7459% | 4,265 |
| Cost of funding earning assets | 0.0950% | 4,420 |
| Net interest margin | 2.6509% | 3,960 |
| Noninterest income to average assets | 1.1664% | 774 |
| Noninterest expense to average assets | 2.8430% | 1,263 |
| Loan and lease loss provision to assets | 0.1293% | 948 |
| Net operating income to assets | 0.5599% | 3,960 |
| Return on assets (ROA) | 0.5599% | 4,009 |
| Pretax return on assets | 0.6574% | 4,016 |
| Return on Equity (ROE) | 6.0087% | 3,772 |
| Retained earnings to average equity (ytd only) | 2.5552% | 3,814 |
| Net charge-offs to loans | -0.0616% | 4,420 |
| Credit loss provision to net charge-offs | -409.8361% | 3,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3244% | 923 |
| Assets per employee ($millions) | 5.2360% | 3,526 |
| Cash dividends to net income (ytd only)* | 57.4755% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7113% | 212 |
| Loan loss allowance to noncurrent loans | 1,045.2532% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,995 |
| Noncurrent loans to loans | 0.2594% | 2,681 |
| Net loans and leases to total assets | 50.5831% | 3,211 |
| Net loans and leases to deposits | 56.0353% | 3,410 |
| Net loans and leases to core deposits | 57.9674% | 3,477 |
| Total domestic deposits to total assets | 90.2701% | 829 |
| Equity capital to assets | 9.6614% | 2,986 |
| Core capital (leverage) ratio | 9.1672% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $966,465,600 | 984 |
| Average earning assets | $898,100,600 | 979 |
| Average equity | $90,053,400 | 1,100 |
| Average total loans | $495,495,600 | 1,176 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7314% | 4,377 |
| Cost of funding earning assets | 0.1059% | 4,451 |
| Net interest margin | 2.6256% | 4,095 |
| Noninterest income to average assets | 1.1993% | 786 |
| Noninterest expense to average assets | 2.7920% | 1,360 |
| Loan and lease loss provision to assets | 0.3081% | 252 |
| Net operating income to assets | 0.4707% | 4,254 |
| Return on assets (ROA) | 0.4707% | 4,296 |
| Pretax return on assets | 0.5367% | 4,320 |
| Return on Equity (ROE) | 5.0972% | 4,100 |
| Retained earnings to average equity (ytd only) | 1.6353% | 4,287 |
| Net charge-offs to loans | -0.0815% | 4,539 |
| Credit loss provision to net charge-offs | -740.1316% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7705% | 978 |
| Assets per employee ($millions) | 5.4176% | 3,290 |
| Cash dividends to net income (ytd only)* | 67.9174% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8197% | 191 |
| Loan loss allowance to noncurrent loans | 1,163.8821% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 3,285 |
| Noncurrent loans to loans | 0.2423% | 2,966 |
| Net loans and leases to total assets | 49.9468% | 3,417 |
| Net loans and leases to deposits | 55.0250% | 3,652 |
| Net loans and leases to core deposits | 57.3560% | 3,672 |
| Total domestic deposits to total assets | 90.7711% | 445 |
| Equity capital to assets | 9.1687% | 3,684 |
| Core capital (leverage) ratio | 8.6386% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $973,772,500 | 991 |
| Average earning assets | $904,015,500 | 995 |
| Average equity | $89,929,250 | 1,113 |
| Average total loans | $497,545,500 | 1,185 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7529% | 4,406 |
| Cost of funding earning assets | 0.1258% | 4,384 |
| Net interest margin | 2.6271% | 4,120 |
| Noninterest income to average assets | 1.2132% | 790 |
| Noninterest expense to average assets | 2.7883% | 1,380 |
| Loan and lease loss provision to assets | 0.3088% | 271 |
| Net operating income to assets | 0.4807% | 4,257 |
| Return on assets (ROA) | 0.4807% | 4,300 |
| Pretax return on assets | 0.5499% | 4,315 |
| Return on Equity (ROE) | 5.1925% | 4,094 |
| Retained earnings to average equity (ytd only) | 1.7234% | 4,185 |
| Net charge-offs to loans | -0.1001% | 4,628 |
| Credit loss provision to net charge-offs | -604.8387% | 3,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4550% | 1,041 |
| Assets per employee ($millions) | 5.3349% | 3,307 |
| Cash dividends to net income (ytd only)* | 66.8094% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9438% | 163 |
| Loan loss allowance to noncurrent loans | 797.9167% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 3,130 |
| Noncurrent loans to loans | 0.3689% | 2,577 |
| Net loans and leases to total assets | 44.7800% | 3,989 |
| Net loans and leases to deposits | 49.3476% | 4,145 |
| Net loans and leases to core deposits | 51.4150% | 4,162 |
| Total domestic deposits to total assets | 90.7441% | 466 |
| Equity capital to assets | 9.1145% | 3,691 |
| Core capital (leverage) ratio | 8.7313% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $971,500,000 | 987 |
| Average earning assets | $900,010,667 | 996 |
| Average equity | $89,936,667 | 1,107 |
| Average total loans | $495,399,333 | 1,194 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8592% | 4,307 |
| Cost of funding earning assets | 0.1608% | 4,234 |
| Net interest margin | 2.6984% | 3,973 |
| Noninterest income to average assets | 1.4203% | 663 |
| Noninterest expense to average assets | 2.8903% | 1,170 |
| Loan and lease loss provision to assets | 0.3113% | 289 |
| Net operating income to assets | 0.6089% | 3,917 |
| Return on assets (ROA) | 0.6089% | 3,981 |
| Pretax return on assets | 0.7122% | 3,993 |
| Return on Equity (ROE) | 6.5253% | 3,724 |
| Retained earnings to average equity (ytd only) | 3.0736% | 3,757 |
| Net charge-offs to loans | -0.1017% | 4,646 |
| Credit loss provision to net charge-offs | -572.5191% | 3,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8494% | 1,328 |
| Assets per employee ($millions) | 5.5285% | 3,084 |
| Cash dividends to net income (ytd only)* | 52.8971% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4949% | 265 |
| Loan loss allowance to noncurrent loans | 778.2744% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 3,294 |
| Noncurrent loans to loans | 0.3206% | 2,953 |
| Net loans and leases to total assets | 48.9676% | 3,713 |
| Net loans and leases to deposits | 53.8928% | 3,946 |
| Net loans and leases to core deposits | 57.8876% | 3,844 |
| Total domestic deposits to total assets | 90.8611% | 448 |
| Equity capital to assets | 8.9928% | 3,695 |
| Core capital (leverage) ratio | 8.9696% | 3,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $963,771,000 | 983 |
| Average earning assets | $890,604,000 | 993 |
| Average equity | $89,927,000 | 1,100 |
| Average total loans | $515,416,500 | 1,157 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4027% | 4,191 |
| Cost of funding earning assets | 0.3402% | 3,922 |
| Net interest margin | 3.0624% | 3,721 |
| Noninterest income to average assets | 1.5426% | 512 |
| Noninterest expense to average assets | 3.0401% | 1,345 |
| Loan and lease loss provision to assets | 0.2953% | 1,275 |
| Net operating income to assets | 0.8604% | 2,859 |
| Return on assets (ROA) | 0.8604% | 2,998 |
| Pretax return on assets | 1.0536% | 2,865 |
| Return on Equity (ROE) | 8.7423% | 2,499 |
| Retained earnings to average equity (ytd only) | 5.1976% | 2,187 |
| Net charge-offs to loans | 0.0231% | 2,585 |
| Credit loss provision to net charge-offs | 2,050.7813% | 433 |
| Earnings coverage of net charge-offs (x) | 93.6719% | 824 |
| Efficiency ratio | 69.2659% | 2,052 |
| Assets per employee ($millions) | 5.3888% | 2,968 |
| Cash dividends to net income (ytd only)* | 40.5465% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 402 |
| Loan loss allowance to noncurrent loans | 842.2688% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1930% | 3,313 |
| Noncurrent loans to loans | 0.2620% | 3,254 |
| Net loans and leases to total assets | 55.7395% | 3,325 |
| Net loans and leases to deposits | 61.8031% | 3,619 |
| Net loans and leases to core deposits | 67.6850% | 3,434 |
| Total domestic deposits to total assets | 90.1888% | 489 |
| Equity capital to assets | 9.6956% | 3,413 |
| Core capital (leverage) ratio | 9.0919% | 3,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $888,847,400 | 978 |
| Average earning assets | $826,179,000 | 979 |
| Average equity | $87,482,200 | 1,080 |
| Average total loans | $554,762,400 | 1,049 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 4,294 |
| Cost of funding earning assets | 0.3828% | 3,905 |
| Net interest margin | 3.0637% | 3,830 |
| Noninterest income to average assets | 1.5079% | 513 |
| Noninterest expense to average assets | 2.9935% | 1,456 |
| Loan and lease loss provision to assets | 0.2085% | 1,929 |
| Net operating income to assets | 0.9459% | 2,539 |
| Return on assets (ROA) | 0.9457% | 2,670 |
| Pretax return on assets | 1.1636% | 2,510 |
| Return on Equity (ROE) | 9.5709% | 2,178 |
| Retained earnings to average equity (ytd only) | 5.9985% | 2,107 |
| Net charge-offs to loans | 0.0689% | 1,631 |
| Credit loss provision to net charge-offs | 474.1379% | 1,327 |
| Earnings coverage of net charge-offs (x) | 31.2103% | 1,548 |
| Efficiency ratio | 68.5664% | 2,101 |
| Assets per employee ($millions) | 5.6251% | 2,605 |
| Cash dividends to net income (ytd only)* | 37.3256% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7573% | 795 |
| Loan loss allowance to noncurrent loans | 222.8143% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,173 |
| Noncurrent loans to loans | 0.7887% | 1,848 |
| Net loans and leases to total assets | 57.8528% | 3,437 |
| Net loans and leases to deposits | 63.6742% | 3,816 |
| Net loans and leases to core deposits | 75.4056% | 3,218 |
| Total domestic deposits to total assets | 90.8575% | 200 |
| Equity capital to assets | 9.0436% | 4,087 |
| Core capital (leverage) ratio | 8.8923% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $879,338,750 | 973 |
| Average earning assets | $820,284,000 | 970 |
| Average equity | $86,886,000 | 1,079 |
| Average total loans | $561,379,000 | 1,037 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 4,245 |
| Cost of funding earning assets | 0.4407% | 3,840 |
| Net interest margin | 3.1707% | 3,743 |
| Noninterest income to average assets | 1.4631% | 492 |
| Noninterest expense to average assets | 3.0495% | 1,467 |
| Loan and lease loss provision to assets | 0.1781% | 2,234 |
| Net operating income to assets | 0.9603% | 2,458 |
| Return on assets (ROA) | 0.9603% | 2,584 |
| Pretax return on assets | 1.1870% | 2,402 |
| Return on Equity (ROE) | 9.4066% | 2,196 |
| Retained earnings to average equity (ytd only) | 5.7905% | 2,161 |
| Net charge-offs to loans | -0.0765% | 4,795 |
| Credit loss provision to net charge-offs | -353.7736% | 3,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0777% | 2,079 |
| Assets per employee ($millions) | 5.1773% | 2,968 |
| Cash dividends to net income (ytd only)* | 38.4425% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 825 |
| Loan loss allowance to noncurrent loans | 91.6599% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 896 |
| Noncurrent loans to loans | 1.8474% | 755 |
| Net loans and leases to total assets | 63.4085% | 2,948 |
| Net loans and leases to deposits | 70.2552% | 3,396 |
| Net loans and leases to core deposits | 79.3409% | 3,000 |
| Total domestic deposits to total assets | 90.2545% | 332 |
| Equity capital to assets | 9.5185% | 3,645 |
| Core capital (leverage) ratio | 9.3705% | 3,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $842,445,000 | 991 |
| Average earning assets | $784,180,000 | 987 |
| Average equity | $86,003,667 | 1,079 |
| Average total loans | $554,172,333 | 1,033 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9636% | 3,892 |
| Cost of funding earning assets | 0.4844% | 4,013 |
| Net interest margin | 3.4792% | 3,047 |
| Noninterest income to average assets | 1.6309% | 343 |
| Noninterest expense to average assets | 3.3392% | 1,158 |
| Loan and lease loss provision to assets | 0.1874% | 1,597 |
| Net operating income to assets | 1.1026% | 1,832 |
| Return on assets (ROA) | 1.1026% | 1,930 |
| Pretax return on assets | 1.3425% | 1,742 |
| Return on Equity (ROE) | 10.3934% | 1,613 |
| Retained earnings to average equity (ytd only) | 6.7515% | 1,626 |
| Net charge-offs to loans | -0.1465% | 4,894 |
| Credit loss provision to net charge-offs | -192.3077% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5793% | 2,573 |
| Assets per employee ($millions) | 4.5520% | 3,193 |
| Cash dividends to net income (ytd only)* | 35.0408% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8541% | 656 |
| Loan loss allowance to noncurrent loans | 728.2934% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 3,746 |
| Noncurrent loans to loans | 0.2546% | 3,580 |
| Net loans and leases to total assets | 62.1679% | 3,280 |
| Net loans and leases to deposits | 69.6527% | 3,620 |
| Net loans and leases to core deposits | 81.3994% | 3,075 |
| Total domestic deposits to total assets | 89.2541% | 565 |
| Equity capital to assets | 10.4145% | 3,393 |
| Core capital (leverage) ratio | 10.5017% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $800,303,000 | 1,003 |
| Average earning assets | $744,876,000 | 994 |
| Average equity | $84,900,000 | 1,085 |
| Average total loans | $532,385,000 | 1,043 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 3,255 |
| Cost of funding earning assets | 0.5087% | 4,050 |
| Net interest margin | 3.8900% | 2,216 |
| Noninterest income to average assets | 0.9732% | 1,028 |
| Noninterest expense to average assets | 3.1404% | 1,666 |
| Loan and lease loss provision to assets | 0.1951% | 1,042 |
| Net operating income to assets | 1.0520% | 2,648 |
| Return on assets (ROA) | 1.0520% | 2,742 |
| Pretax return on assets | 1.2517% | 2,662 |
| Return on Equity (ROE) | 10.1128% | 2,250 |
| Retained earnings to average equity (ytd only) | 6.2467% | 1,743 |
| Net charge-offs to loans | -0.0732% | 4,898 |
| Credit loss provision to net charge-offs | -378.7879% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4597% | 2,396 |
| Assets per employee ($millions) | 4.1964% | 3,639 |
| Cash dividends to net income (ytd only)* | 38.2295% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 807 |
| Loan loss allowance to noncurrent loans | 671.6276% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 3,652 |
| Noncurrent loans to loans | 0.2526% | 3,546 |
| Net loans and leases to total assets | 68.7492% | 2,575 |
| Net loans and leases to deposits | 77.2242% | 3,076 |
| Net loans and leases to core deposits | 87.1200% | 2,695 |
| Total domestic deposits to total assets | 89.0255% | 661 |
| Equity capital to assets | 10.8167% | 3,167 |
| Core capital (leverage) ratio | 10.3854% | 3,084 |
| Tier 1 risk-based capital ratio | 13.7106% | 3,411 |
| Total risk-based capital ratio | 14.9643% | 3,311 |
| Memoranda: | ||
| Average total assets | $768,792,000 | 1,006 |
| Average earning assets | $714,240,000 | 997 |
| Average equity | $79,977,800 | 1,095 |
| Average total loans | $540,705,600 | 998 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 3,145 |
| Cost of funding earning assets | 0.5067% | 4,112 |
| Net interest margin | 3.9653% | 2,058 |
| Noninterest income to average assets | 0.8662% | 1,223 |
| Noninterest expense to average assets | 3.1352% | 1,625 |
| Loan and lease loss provision to assets | 0.1953% | 908 |
| Net operating income to assets | 1.0235% | 2,897 |
| Return on assets (ROA) | 1.0235% | 2,971 |
| Pretax return on assets | 1.2188% | 2,922 |
| Return on Equity (ROE) | 9.9375% | 2,459 |
| Retained earnings to average equity (ytd only) | 6.0232% | 2,364 |
| Net charge-offs to loans | -0.0776% | 4,941 |
| Credit loss provision to net charge-offs | -357.1429% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9158% | 2,270 |
| Assets per employee ($millions) | 4.3652% | 3,391 |
| Cash dividends to net income (ytd only)* | 39.3893% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,062 |
| Loan loss allowance to noncurrent loans | 260.9895% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.4175% | 2,842 |
| Noncurrent loans to loans | 0.6015% | 2,478 |
| Net loans and leases to total assets | 68.3217% | 2,743 |
| Net loans and leases to deposits | 76.2216% | 3,272 |
| Net loans and leases to core deposits | 85.6394% | 2,939 |
| Total domestic deposits to total assets | 89.6357% | 399 |
| Equity capital to assets | 10.2335% | 3,790 |
| Core capital (leverage) ratio | 10.2041% | 3,422 |
| Tier 1 risk-based capital ratio | 13.2708% | 3,704 |
| Total risk-based capital ratio | 14.5233% | 3,607 |
| Memoranda: | ||
| Average total assets | $767,956,750 | 1,007 |
| Average earning assets | $713,311,750 | 999 |
| Average equity | $79,092,500 | 1,096 |
| Average total loans | $540,883,000 | 999 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5461% | 2,861 |
| Cost of funding earning assets | 0.5090% | 4,078 |
| Net interest margin | 4.0372% | 1,804 |
| Noninterest income to average assets | 0.8112% | 1,313 |
| Noninterest expense to average assets | 3.1653% | 1,578 |
| Loan and lease loss provision to assets | 0.1980% | 868 |
| Net operating income to assets | 1.0036% | 2,911 |
| Return on assets (ROA) | 1.0036% | 2,976 |
| Pretax return on assets | 1.1897% | 2,941 |
| Return on Equity (ROE) | 9.7229% | 2,522 |
| Retained earnings to average equity (ytd only) | 5.7795% | 2,382 |
| Net charge-offs to loans | -0.0649% | 4,899 |
| Credit loss provision to net charge-offs | -431.0345% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5211% | 2,304 |
| Assets per employee ($millions) | 4.4265% | 3,247 |
| Cash dividends to net income (ytd only)* | 40.5576% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,237 |
| Loan loss allowance to noncurrent loans | 528.9406% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,800 |
| Noncurrent loans to loans | 0.2858% | 3,506 |
| Net loans and leases to total assets | 66.9526% | 2,969 |
| Net loans and leases to deposits | 74.6269% | 3,462 |
| Net loans and leases to core deposits | 86.0594% | 2,957 |
| Total domestic deposits to total assets | 89.7164% | 411 |
| Equity capital to assets | 10.0792% | 3,907 |
| Core capital (leverage) ratio | 10.1058% | 3,496 |
| Tier 1 risk-based capital ratio | 13.3038% | 3,689 |
| Total risk-based capital ratio | 14.5555% | 3,586 |
| Memoranda: | ||
| Average total assets | $757,664,000 | 1,020 |
| Average earning assets | $702,226,330 | 1,009 |
| Average equity | $78,207,000 | 1,106 |
| Average total loans | $536,350,000 | 1,004 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 2,983 |
| Cost of funding earning assets | 0.4578% | 4,251 |
| Net interest margin | 4.0078% | 1,835 |
| Noninterest income to average assets | 0.8389% | 1,193 |
| Noninterest expense to average assets | 3.1957% | 1,500 |
| Loan and lease loss provision to assets | 0.2032% | 782 |
| Net operating income to assets | 1.0139% | 2,792 |
| Return on assets (ROA) | 1.0139% | 2,838 |
| Pretax return on assets | 1.1548% | 2,960 |
| Return on Equity (ROE) | 9.6998% | 2,493 |
| Retained earnings to average equity (ytd only) | 5.7027% | 2,591 |
| Net charge-offs to loans | -0.1274% | 5,088 |
| Credit loss provision to net charge-offs | -220.5882% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1773% | 2,310 |
| Assets per employee ($millions) | 4.3685% | 3,380 |
| Cash dividends to net income (ytd only)* | 41.2079% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,521 |
| Loan loss allowance to noncurrent loans | 237.2835% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 2,266 |
| Noncurrent loans to loans | 0.6092% | 2,510 |
| Net loans and leases to total assets | 69.6410% | 2,542 |
| Net loans and leases to deposits | 77.7929% | 3,083 |
| Net loans and leases to core deposits | 88.0214% | 2,681 |
| Total domestic deposits to total assets | 89.5210% | 634 |
| Equity capital to assets | 10.2477% | 3,573 |
| Core capital (leverage) ratio | 10.5097% | 3,041 |
| Tier 1 risk-based capital ratio | 13.2444% | 3,743 |
| Total risk-based capital ratio | 14.4956% | 3,651 |
| Memoranda: | ||
| Average total assets | $738,109,500 | 1,039 |
| Average earning assets | $684,159,000 | 1,029 |
| Average equity | $77,156,500 | 1,108 |
| Average total loans | $533,701,000 | 1,016 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3708% | 2,858 |
| Cost of funding earning assets | 0.3062% | 4,544 |
| Net interest margin | 4.0645% | 1,787 |
| Noninterest income to average assets | 0.8464% | 1,319 |
| Noninterest expense to average assets | 3.1906% | 1,578 |
| Loan and lease loss provision to assets | 0.1073% | 2,052 |
| Net operating income to assets | 1.1040% | 2,578 |
| Return on assets (ROA) | 1.1037% | 2,577 |
| Pretax return on assets | 1.3128% | 2,451 |
| Return on Equity (ROE) | 10.4863% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.2942% | 2,037 |
| Net charge-offs to loans | -0.0924% | 5,132 |
| Credit loss provision to net charge-offs | -165.1982% | 4,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1957% | 2,347 |
| Assets per employee ($millions) | 4.1621% | 3,667 |
| Cash dividends to net income (ytd only)* | 39.9767% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 1,721 |
| Loan loss allowance to noncurrent loans | 214.4671% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 2,070 |
| Noncurrent loans to loans | 0.6425% | 2,381 |
| Net loans and leases to total assets | 73.0517% | 2,087 |
| Net loans and leases to deposits | 84.4187% | 2,469 |
| Net loans and leases to core deposits | 91.6170% | 2,442 |
| Total domestic deposits to total assets | 86.5350% | 1,998 |
| Equity capital to assets | 10.6740% | 3,011 |
| Core capital (leverage) ratio | 10.5317% | 2,990 |
| Tier 1 risk-based capital ratio | 12.9327% | 3,884 |
| Total risk-based capital ratio | 14.1688% | 3,781 |
| Memoranda: | ||
| Average total assets | $699,171,800 | 1,064 |
| Average earning assets | $647,577,200 | 1,054 |
| Average equity | $73,591,600 | 1,106 |
| Average total loans | $491,505,000 | 1,065 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 2,857 |
| Cost of funding earning assets | 0.2922% | 4,574 |
| Net interest margin | 4.0348% | 1,840 |
| Noninterest income to average assets | 0.9017% | 1,195 |
| Noninterest expense to average assets | 3.1986% | 1,524 |
| Loan and lease loss provision to assets | 0.1006% | 1,986 |
| Net operating income to assets | 1.1177% | 2,588 |
| Return on assets (ROA) | 1.1174% | 2,606 |
| Pretax return on assets | 1.3371% | 2,477 |
| Return on Equity (ROE) | 10.6541% | 2,323 |
| Retained earnings to average equity (ytd only) | 6.4239% | 2,422 |
| Net charge-offs to loans | -0.1249% | 5,212 |
| Credit loss provision to net charge-offs | -116.1504% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9857% | 2,359 |
| Assets per employee ($millions) | 4.2815% | 3,459 |
| Cash dividends to net income (ytd only)* | 39.7051% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 1,728 |
| Loan loss allowance to noncurrent loans | 444.2551% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 2,970 |
| Noncurrent loans to loans | 0.3136% | 3,545 |
| Net loans and leases to total assets | 68.4265% | 2,877 |
| Net loans and leases to deposits | 76.3785% | 3,383 |
| Net loans and leases to core deposits | 82.9525% | 3,252 |
| Total domestic deposits to total assets | 89.5886% | 646 |
| Equity capital to assets | 10.1629% | 3,484 |
| Core capital (leverage) ratio | 10.2822% | 3,315 |
| Tier 1 risk-based capital ratio | 12.9746% | 3,925 |
| Total risk-based capital ratio | 14.1960% | 3,844 |
| Memoranda: | ||
| Average total assets | $696,033,000 | 1,067 |
| Average earning assets | $644,312,750 | 1,059 |
| Average equity | $72,997,000 | 1,114 |
| Average total loans | $482,583,000 | 1,081 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 2,907 |
| Cost of funding earning assets | 0.2668% | 4,659 |
| Net interest margin | 3.9943% | 1,880 |
| Noninterest income to average assets | 0.8663% | 1,278 |
| Noninterest expense to average assets | 3.2415% | 1,449 |
| Loan and lease loss provision to assets | 0.0875% | 2,168 |
| Net operating income to assets | 1.0426% | 2,840 |
| Return on assets (ROA) | 1.0426% | 2,839 |
| Pretax return on assets | 1.2284% | 2,833 |
| Return on Equity (ROE) | 9.8331% | 2,644 |
| Retained earnings to average equity (ytd only) | 5.5729% | 2,783 |
| Net charge-offs to loans | -0.0467% | 4,898 |
| Credit loss provision to net charge-offs | -270.2703% | 4,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1249% | 2,142 |
| Assets per employee ($millions) | 4.1906% | 3,593 |
| Cash dividends to net income (ytd only)* | 43.3249% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 2,255 |
| Loan loss allowance to noncurrent loans | 254.6635% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 3,126 |
| Noncurrent loans to loans | 0.5035% | 2,911 |
| Net loans and leases to total assets | 70.3406% | 2,529 |
| Net loans and leases to deposits | 81.9174% | 2,776 |
| Net loans and leases to core deposits | 87.8467% | 2,732 |
| Total domestic deposits to total assets | 85.8678% | 2,337 |
| Equity capital to assets | 10.3206% | 3,321 |
| Core capital (leverage) ratio | 10.5341% | 2,998 |
| Tier 1 risk-based capital ratio | 13.0686% | 3,863 |
| Total risk-based capital ratio | 14.2235% | 3,829 |
| Memoranda: | ||
| Average total assets | $685,428,330 | 1,078 |
| Average earning assets | $633,406,670 | 1,075 |
| Average equity | $72,672,670 | 1,118 |
| Average total loans | $475,085,000 | 1,100 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,842 |
| Cost of funding earning assets | 0.2411% | 4,760 |
| Net interest margin | 3.9737% | 1,804 |
| Noninterest income to average assets | 0.8949% | 1,159 |
| Noninterest expense to average assets | 3.2461% | 1,463 |
| Loan and lease loss provision to assets | 0.0890% | 2,025 |
| Net operating income to assets | 1.0333% | 2,723 |
| Return on assets (ROA) | 1.0338% | 2,735 |
| Pretax return on assets | 1.2088% | 2,713 |
| Return on Equity (ROE) | 9.6159% | 2,625 |
| Retained earnings to average equity (ytd only) | 5.3710% | 3,004 |
| Net charge-offs to loans | -0.0122% | 4,332 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4472% | 2,273 |
| Assets per employee ($millions) | 4.0140% | 3,951 |
| Cash dividends to net income (ytd only)* | 44.1447% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,088 |
| Loan loss allowance to noncurrent loans | 236.2049% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,169 |
| Noncurrent loans to loans | 0.5643% | 2,848 |
| Net loans and leases to total assets | 67.9206% | 2,777 |
| Net loans and leases to deposits | 76.1903% | 3,195 |
| Net loans and leases to core deposits | 81.4695% | 3,189 |
| Total domestic deposits to total assets | 89.1460% | 1,026 |
| Equity capital to assets | 10.6629% | 2,905 |
| Core capital (leverage) ratio | 10.6311% | 2,817 |
| Tier 1 risk-based capital ratio | 13.8328% | 3,480 |
| Total risk-based capital ratio | 15.0256% | 3,409 |
| Memoranda: | ||
| Average total assets | $674,040,000 | 1,101 |
| Average earning assets | $618,861,500 | 1,103 |
| Average equity | $72,463,500 | 1,131 |
| Average total loans | $460,314,000 | 1,135 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,410 |
| Cost of funding earning assets | 0.1905% | 5,014 |
| Net interest margin | 3.8082% | 2,393 |
| Noninterest income to average assets | 0.8675% | 1,363 |
| Noninterest expense to average assets | 3.0983% | 1,867 |
| Loan and lease loss provision to assets | 0.0884% | 2,419 |
| Net operating income to assets | 0.7869% | 3,222 |
| Return on assets (ROA) | 0.7899% | 3,249 |
| Pretax return on assets | 1.2026% | 2,761 |
| Return on Equity (ROE) | 7.4473% | 3,061 |
| Retained earnings to average equity (ytd only) | 3.1699% | 3,403 |
| Net charge-offs to loans | 0.0920% | 2,162 |
| Credit loss provision to net charge-offs | 144.2308% | 1,842 |
| Earnings coverage of net charge-offs (x) | 20.9808% | 1,935 |
| Efficiency ratio | 70.6612% | 2,445 |
| Assets per employee ($millions) | 4.0588% | 3,869 |
| Cash dividends to net income (ytd only)* | 57.4361% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,046 |
| Loan loss allowance to noncurrent loans | 213.9831% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 3,174 |
| Noncurrent loans to loans | 0.6243% | 2,660 |
| Net loans and leases to total assets | 66.8336% | 2,992 |
| Net loans and leases to deposits | 75.6949% | 3,357 |
| Net loans and leases to core deposits | 80.9384% | 3,343 |
| Total domestic deposits to total assets | 88.2933% | 1,349 |
| Equity capital to assets | 10.8395% | 2,789 |
| Core capital (leverage) ratio | 10.5401% | 2,799 |
| Tier 1 risk-based capital ratio | 14.0713% | 3,323 |
| Total risk-based capital ratio | 15.2664% | 3,259 |
| Memoranda: | ||
| Average total assets | $678,468,800 | 1,073 |
| Average earning assets | $626,624,600 | 1,078 |
| Average equity | $71,959,000 | 1,105 |
| Average total loans | $452,167,000 | 1,126 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 3,591 |
| Cost of funding earning assets | 0.1825% | 5,122 |
| Net interest margin | 3.7452% | 2,593 |
| Noninterest income to average assets | 0.8427% | 1,440 |
| Noninterest expense to average assets | 3.1876% | 1,587 |
| Loan and lease loss provision to assets | 0.0881% | 2,320 |
| Net operating income to assets | 0.7795% | 3,603 |
| Return on assets (ROA) | 0.7839% | 3,643 |
| Pretax return on assets | 1.0376% | 3,533 |
| Return on Equity (ROE) | 7.4315% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.1383% | 4,040 |
| Net charge-offs to loans | -0.0513% | 5,172 |
| Credit loss provision to net charge-offs | -258.6207% | 4,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0018% | 1,889 |
| Assets per employee ($millions) | 4.1362% | 3,763 |
| Cash dividends to net income (ytd only)* | 57.7711% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 1,832 |
| Loan loss allowance to noncurrent loans | 289.5323% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 3,540 |
| Noncurrent loans to loans | 0.4891% | 3,225 |
| Net loans and leases to total assets | 65.1188% | 3,229 |
| Net loans and leases to deposits | 72.9092% | 3,677 |
| Net loans and leases to core deposits | 77.5557% | 3,677 |
| Total domestic deposits to total assets | 89.3150% | 741 |
| Equity capital to assets | 10.4949% | 3,382 |
| Core capital (leverage) ratio | 10.3442% | 3,149 |
| Tier 1 risk-based capital ratio | 13.3195% | 3,810 |
| Total risk-based capital ratio | 14.5451% | 3,739 |
| Memoranda: | ||
| Average total assets | $680,658,500 | 1,078 |
| Average earning assets | $629,696,750 | 1,075 |
| Average equity | $71,800,500 | 1,115 |
| Average total loans | $451,796,000 | 1,126 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,586 |
| Cost of funding earning assets | 0.1798% | 5,141 |
| Net interest margin | 3.7097% | 2,622 |
| Noninterest income to average assets | 0.8303% | 1,467 |
| Noninterest expense to average assets | 3.1853% | 1,615 |
| Loan and lease loss provision to assets | 0.0888% | 2,206 |
| Net operating income to assets | 0.7610% | 3,587 |
| Return on assets (ROA) | 0.7610% | 3,637 |
| Pretax return on assets | 0.9874% | 3,613 |
| Return on Equity (ROE) | 7.2020% | 3,451 |
| Retained earnings to average equity (ytd only) | 2.8758% | 3,999 |
| Net charge-offs to loans | -0.0681% | 5,287 |
| Credit loss provision to net charge-offs | -196.0784% | 4,461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7466% | 1,890 |
| Assets per employee ($millions) | 3.9418% | 4,058 |
| Cash dividends to net income (ytd only)* | 60.0700% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4025% | 1,940 |
| Loan loss allowance to noncurrent loans | 333.6321% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 3,699 |
| Noncurrent loans to loans | 0.4204% | 3,518 |
| Net loans and leases to total assets | 66.4000% | 3,045 |
| Net loans and leases to deposits | 74.6147% | 3,484 |
| Net loans and leases to core deposits | 78.8329% | 3,517 |
| Total domestic deposits to total assets | 88.9906% | 963 |
| Equity capital to assets | 10.7920% | 3,040 |
| Core capital (leverage) ratio | 10.4730% | 2,946 |
| Tier 1 risk-based capital ratio | 13.7022% | 3,583 |
| Total risk-based capital ratio | 14.9419% | 3,513 |
| Memoranda: | ||
| Average total assets | $675,915,670 | 1,084 |
| Average earning assets | $625,178,670 | 1,083 |
| Average equity | $71,424,670 | 1,117 |
| Average total loans | $449,394,000 | 1,135 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 3,849 |
| Cost of funding earning assets | 0.1815% | 5,141 |
| Net interest margin | 3.5939% | 2,905 |
| Noninterest income to average assets | 0.8768% | 1,317 |
| Noninterest expense to average assets | 3.1790% | 1,669 |
| Loan and lease loss provision to assets | 0.0884% | 2,065 |
| Net operating income to assets | 0.7260% | 3,587 |
| Return on assets (ROA) | 0.7260% | 3,635 |
| Pretax return on assets | 0.9469% | 3,603 |
| Return on Equity (ROE) | 6.9430% | 3,430 |
| Retained earnings to average equity (ytd only) | 2.6093% | 4,097 |
| Net charge-offs to loans | 0.0036% | 2,850 |
| Credit loss provision to net charge-offs | 3,750.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 439.2500% | 130 |
| Efficiency ratio | 75.4334% | 1,993 |
| Assets per employee ($millions) | 4.1449% | 3,768 |
| Cash dividends to net income (ytd only)* | 62.4188% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,240 |
| Loan loss allowance to noncurrent loans | 278.6673% | 1,711 |
| Noncurrent assets plus other real estate owned to assets | 0.4054% | 3,571 |
| Noncurrent loans to loans | 0.4895% | 3,334 |
| Net loans and leases to total assets | 62.9056% | 3,410 |
| Net loans and leases to deposits | 70.2528% | 3,768 |
| Net loans and leases to core deposits | 74.7096% | 3,767 |
| Total domestic deposits to total assets | 89.5418% | 875 |
| Equity capital to assets | 10.3032% | 3,402 |
| Core capital (leverage) ratio | 10.2643% | 3,170 |
| Tier 1 risk-based capital ratio | 13.6420% | 3,690 |
| Total risk-based capital ratio | 14.8263% | 3,644 |
| Memoranda: | ||
| Average total assets | $678,819,500 | 1,079 |
| Average earning assets | $630,408,000 | 1,075 |
| Average equity | $70,978,000 | 1,120 |
| Average total loans | $448,450,500 | 1,134 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,252 |
| Cost of funding earning assets | 0.1817% | 5,196 |
| Net interest margin | 3.8032% | 2,308 |
| Noninterest income to average assets | 1.0289% | 1,066 |
| Noninterest expense to average assets | 3.3238% | 1,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8917% | 2,871 |
| Return on assets (ROA) | 0.8917% | 2,988 |
| Pretax return on assets | 1.2215% | 2,585 |
| Return on Equity (ROE) | 8.3150% | 2,774 |
| Retained earnings to average equity (ytd only) | 4.0091% | 3,065 |
| Net charge-offs to loans | 0.0836% | 2,493 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 21.4695% | 1,781 |
| Efficiency ratio | 73.1266% | 2,410 |
| Assets per employee ($millions) | 3.9609% | 4,044 |
| Cash dividends to net income (ytd only)* | 51.7854% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 2,602 |
| Loan loss allowance to noncurrent loans | 245.2421% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 3,354 |
| Noncurrent loans to loans | 0.5261% | 3,274 |
| Net loans and leases to total assets | 67.5600% | 2,842 |
| Net loans and leases to deposits | 75.6871% | 3,355 |
| Net loans and leases to core deposits | 81.4657% | 3,258 |
| Total domestic deposits to total assets | 89.2622% | 971 |
| Equity capital to assets | 10.6152% | 3,022 |
| Core capital (leverage) ratio | 10.2593% | 3,163 |
| Tier 1 risk-based capital ratio | 13.7249% | 3,631 |
| Total risk-based capital ratio | 14.8923% | 3,585 |
| Memoranda: | ||
| Average total assets | $662,637,200 | 1,069 |
| Average earning assets | $612,661,600 | 1,066 |
| Average equity | $71,064,200 | 1,109 |
| Average total loans | $450,820,000 | 1,089 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,215 |
| Cost of funding earning assets | 0.1799% | 5,262 |
| Net interest margin | 3.8263% | 2,242 |
| Noninterest income to average assets | 0.9930% | 1,158 |
| Noninterest expense to average assets | 3.2592% | 1,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9155% | 2,831 |
| Return on assets (ROA) | 0.9155% | 2,953 |
| Pretax return on assets | 1.2639% | 2,562 |
| Return on Equity (ROE) | 8.5145% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.2114% | 3,329 |
| Net charge-offs to loans | 0.0783% | 2,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 23.7690% | 1,706 |
| Efficiency ratio | 72.0565% | 2,575 |
| Assets per employee ($millions) | 3.9546% | 4,045 |
| Cash dividends to net income (ytd only)* | 50.5390% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,536 |
| Loan loss allowance to noncurrent loans | 142.6972% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 2,954 |
| Noncurrent loans to loans | 0.9314% | 2,384 |
| Net loans and leases to total assets | 65.7476% | 3,167 |
| Net loans and leases to deposits | 73.7519% | 3,622 |
| Net loans and leases to core deposits | 79.2501% | 3,525 |
| Total domestic deposits to total assets | 89.1470% | 825 |
| Equity capital to assets | 10.6983% | 3,356 |
| Core capital (leverage) ratio | 10.1061% | 3,437 |
| Tier 1 risk-based capital ratio | 13.6400% | 3,775 |
| Total risk-based capital ratio | 14.8337% | 3,723 |
| Memoranda: | ||
| Average total assets | $661,938,000 | 1,070 |
| Average earning assets | $610,706,750 | 1,071 |
| Average equity | $71,171,000 | 1,108 |
| Average total loans | $449,664,250 | 1,084 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,062 |
| Cost of funding earning assets | 0.1787% | 5,333 |
| Net interest margin | 3.8712% | 2,079 |
| Noninterest income to average assets | 0.9550% | 1,230 |
| Noninterest expense to average assets | 3.2433% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9352% | 2,701 |
| Return on assets (ROA) | 0.9352% | 2,834 |
| Pretax return on assets | 1.2715% | 2,517 |
| Return on Equity (ROE) | 8.6833% | 2,644 |
| Retained earnings to average equity (ytd only) | 4.3741% | 3,132 |
| Net charge-offs to loans | 0.1082% | 1,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 17.1934% | 1,888 |
| Efficiency ratio | 71.8369% | 2,686 |
| Assets per employee ($millions) | 3.9053% | 4,085 |
| Cash dividends to net income (ytd only)* | 49.6258% | 1,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3267% | 2,640 |
| Loan loss allowance to noncurrent loans | 188.7563% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 3,605 |
| Noncurrent loans to loans | 0.7028% | 2,969 |
| Net loans and leases to total assets | 67.3302% | 2,892 |
| Net loans and leases to deposits | 75.7002% | 3,415 |
| Net loans and leases to core deposits | 81.1535% | 3,346 |
| Total domestic deposits to total assets | 88.9432% | 944 |
| Equity capital to assets | 10.8578% | 3,225 |
| Core capital (leverage) ratio | 10.3723% | 3,110 |
| Tier 1 risk-based capital ratio | 13.5639% | 3,862 |
| Total risk-based capital ratio | 14.7672% | 3,800 |
| Memoranda: | ||
| Average total assets | $657,174,000 | 1,083 |
| Average earning assets | $604,314,330 | 1,081 |
| Average equity | $70,779,670 | 1,117 |
| Average total loans | $449,354,330 | 1,084 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,832 |
| Cost of funding earning assets | 0.1807% | 5,368 |
| Net interest margin | 3.9222% | 1,875 |
| Noninterest income to average assets | 0.8314% | 1,511 |
| Noninterest expense to average assets | 3.2438% | 1,731 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8645% | 2,923 |
| Return on assets (ROA) | 0.8645% | 3,038 |
| Pretax return on assets | 1.1857% | 2,759 |
| Return on Equity (ROE) | 8.0597% | 2,880 |
| Retained earnings to average equity (ytd only) | 3.7076% | 3,636 |
| Net charge-offs to loans | 0.2824% | 747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 6.1329% | 2,263 |
| Efficiency ratio | 73.2320% | 2,600 |
| Assets per employee ($millions) | 3.8509% | 4,204 |
| Cash dividends to net income (ytd only)* | 53.9986% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,747 |
| Loan loss allowance to noncurrent loans | 162.5685% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 3,377 |
| Noncurrent loans to loans | 0.8197% | 2,789 |
| Net loans and leases to total assets | 67.1508% | 2,789 |
| Net loans and leases to deposits | 76.7868% | 3,130 |
| Net loans and leases to core deposits | 81.6184% | 3,166 |
| Total domestic deposits to total assets | 87.4510% | 1,961 |
| Equity capital to assets | 10.8111% | 3,155 |
| Core capital (leverage) ratio | 10.2483% | 3,258 |
| Tier 1 risk-based capital ratio | 13.7199% | 3,852 |
| Total risk-based capital ratio | 14.9384% | 3,805 |
| Memoranda: | ||
| Average total assets | $653,811,000 | 1,082 |
| Average earning assets | $599,770,500 | 1,080 |
| Average equity | $70,127,000 | 1,122 |
| Average total loans | $447,524,000 | 1,088 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 2,787 |
| Cost of funding earning assets | 0.1849% | 5,399 |
| Net interest margin | 3.9509% | 1,864 |
| Noninterest income to average assets | 1.1034% | 965 |
| Noninterest expense to average assets | 3.5928% | 1,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8200% | 3,247 |
| Return on assets (ROA) | 0.8243% | 3,308 |
| Pretax return on assets | 1.1345% | 2,907 |
| Return on Equity (ROE) | 7.7972% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.3452% | 3,671 |
| Net charge-offs to loans | 0.2615% | 1,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 6.3915% | 3,236 |
| Efficiency ratio | 76.0956% | 2,255 |
| Assets per employee ($millions) | 3.7527% | 4,368 |
| Cash dividends to net income (ytd only)* | 57.0975% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,468 |
| Loan loss allowance to noncurrent loans | 152.9225% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 3,138 |
| Noncurrent loans to loans | 0.9097% | 2,519 |
| Net loans and leases to total assets | 67.8827% | 2,716 |
| Net loans and leases to deposits | 76.0848% | 3,239 |
| Net loans and leases to core deposits | 83.0377% | 3,047 |
| Total domestic deposits to total assets | 89.2198% | 1,011 |
| Equity capital to assets | 10.6404% | 3,195 |
| Core capital (leverage) ratio | 10.0880% | 3,391 |
| Tier 1 risk-based capital ratio | 13.7387% | 3,863 |
| Total risk-based capital ratio | 14.9890% | 3,793 |
| Memoranda: | ||
| Average total assets | $649,545,000 | 1,055 |
| Average earning assets | $594,822,200 | 1,051 |
| Average equity | $68,665,600 | 1,107 |
| Average total loans | $438,622,000 | 1,045 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,920 |
| Cost of funding earning assets | 0.1847% | 5,504 |
| Net interest margin | 3.9182% | 1,972 |
| Noninterest income to average assets | 1.1884% | 859 |
| Noninterest expense to average assets | 3.6189% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8443% | 3,197 |
| Return on assets (ROA) | 0.8485% | 3,267 |
| Pretax return on assets | 1.1681% | 2,939 |
| Return on Equity (ROE) | 8.0393% | 3,055 |
| Retained earnings to average equity (ytd only) | 3.5678% | 3,923 |
| Net charge-offs to loans | 0.3224% | 826 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.3653% | 3,214 |
| Efficiency ratio | 75.6900% | 2,288 |
| Assets per employee ($millions) | 3.6658% | 4,496 |
| Cash dividends to net income (ytd only)* | 55.6202% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4085% | 2,552 |
| Loan loss allowance to noncurrent loans | 195.9852% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 3,711 |
| Noncurrent loans to loans | 0.7187% | 3,177 |
| Net loans and leases to total assets | 67.6960% | 2,735 |
| Net loans and leases to deposits | 75.9259% | 3,314 |
| Net loans and leases to core deposits | 82.4752% | 3,204 |
| Total domestic deposits to total assets | 89.1605% | 940 |
| Equity capital to assets | 10.5830% | 3,502 |
| Core capital (leverage) ratio | 9.9952% | 3,632 |
| Tier 1 risk-based capital ratio | 13.5222% | 4,131 |
| Total risk-based capital ratio | 14.7727% | 4,055 |
| Memoranda: | ||
| Average total assets | $648,688,250 | 1,062 |
| Average earning assets | $594,820,250 | 1,061 |
| Average equity | $68,462,250 | 1,118 |
| Average total loans | $435,900,500 | 1,053 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0742% | 2,996 |
| Cost of funding earning assets | 0.1847% | 5,574 |
| Net interest margin | 3.8894% | 2,021 |
| Noninterest income to average assets | 1.1294% | 948 |
| Noninterest expense to average assets | 3.6989% | 985 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7247% | 3,766 |
| Return on assets (ROA) | 0.7311% | 3,844 |
| Pretax return on assets | 0.9972% | 3,598 |
| Return on Equity (ROE) | 6.9333% | 3,649 |
| Retained earnings to average equity (ytd only) | 2.4334% | 4,502 |
| Net charge-offs to loans | 0.5582% | 434 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.6550% | 3,306 |
| Efficiency ratio | 78.9105% | 1,930 |
| Assets per employee ($millions) | 3.5565% | 4,703 |
| Cash dividends to net income (ytd only)* | 64.9026% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 2,773 |
| Loan loss allowance to noncurrent loans | 134.4252% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7269% | 3,199 |
| Noncurrent loans to loans | 1.0395% | 2,567 |
| Net loans and leases to total assets | 67.5588% | 2,708 |
| Net loans and leases to deposits | 77.0202% | 3,159 |
| Net loans and leases to core deposits | 83.9783% | 2,984 |
| Total domestic deposits to total assets | 87.7157% | 1,786 |
| Equity capital to assets | 10.5357% | 3,404 |
| Core capital (leverage) ratio | 10.0111% | 3,580 |
| Tier 1 risk-based capital ratio | 13.5724% | 4,177 |
| Total risk-based capital ratio | 14.8229% | 4,103 |
| Memoranda: | ||
| Average total assets | $646,192,670 | 1,072 |
| Average earning assets | $591,140,330 | 1,077 |
| Average equity | $68,135,330 | 1,126 |
| Average total loans | $431,017,330 | 1,062 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 2,999 |
| Cost of funding earning assets | 0.1835% | 5,658 |
| Net interest margin | 3.8756% | 1,978 |
| Noninterest income to average assets | 1.0941% | 945 |
| Noninterest expense to average assets | 3.5722% | 1,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7769% | 3,382 |
| Return on assets (ROA) | 0.7769% | 3,515 |
| Pretax return on assets | 1.0681% | 3,224 |
| Return on Equity (ROE) | 7.3651% | 3,293 |
| Retained earnings to average equity (ytd only) | 2.8838% | 4,235 |
| Net charge-offs to loans | -0.0584% | 5,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0347% | 2,507 |
| Assets per employee ($millions) | 3.5031% | 4,893 |
| Cash dividends to net income (ytd only)* | 60.8453% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7388% | 1,643 |
| Loan loss allowance to noncurrent loans | 116.7397% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.9897% | 2,644 |
| Noncurrent loans to loans | 1.4895% | 1,900 |
| Net loans and leases to total assets | 64.3708% | 3,044 |
| Net loans and leases to deposits | 73.3616% | 3,387 |
| Net loans and leases to core deposits | 80.0701% | 3,154 |
| Total domestic deposits to total assets | 87.7445% | 1,959 |
| Equity capital to assets | 10.4699% | 3,566 |
| Core capital (leverage) ratio | 9.8601% | 3,808 |
| Tier 1 risk-based capital ratio | 13.2861% | 4,446 |
| Total risk-based capital ratio | 14.5396% | 4,356 |
| Memoranda: | ||
| Average total assets | $645,648,000 | 1,077 |
| Average earning assets | $590,772,000 | 1,075 |
| Average equity | $68,105,000 | 1,130 |
| Average total loans | $424,779,500 | 1,079 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 3,032 |
| Cost of funding earning assets | 0.1689% | 5,985 |
| Net interest margin | 4.0052% | 1,883 |
| Noninterest income to average assets | 1.1615% | 892 |
| Noninterest expense to average assets | 3.5502% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9260% | 2,745 |
| Return on assets (ROA) | 0.9260% | 2,836 |
| Pretax return on assets | 1.3161% | 2,190 |
| Return on Equity (ROE) | 8.7470% | 2,706 |
| Retained earnings to average equity (ytd only) | 4.0933% | 3,287 |
| Net charge-offs to loans | -0.0046% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2331% | 3,164 |
| Assets per employee ($millions) | 3.4957% | 4,911 |
| Cash dividends to net income (ytd only)* | 53.2033% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 1,628 |
| Loan loss allowance to noncurrent loans | 122.3343% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 2,827 |
| Noncurrent loans to loans | 1.4388% | 2,044 |
| Net loans and leases to total assets | 64.9177% | 3,066 |
| Net loans and leases to deposits | 77.2892% | 3,050 |
| Net loans and leases to core deposits | 84.2239% | 2,878 |
| Total domestic deposits to total assets | 83.9932% | 3,718 |
| Equity capital to assets | 10.6290% | 3,322 |
| Core capital (leverage) ratio | 10.0325% | 3,530 |
| Tier 1 risk-based capital ratio | 12.9124% | 4,784 |
| Total risk-based capital ratio | 14.1647% | 4,703 |
| Memoranda: | ||
| Average total assets | $620,331,400 | 1,072 |
| Average earning assets | $573,811,200 | 1,056 |
| Average equity | $65,668,400 | 1,121 |
| Average total loans | $395,120,000 | 1,115 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 3,004 |
| Cost of funding earning assets | 0.1642% | 6,098 |
| Net interest margin | 4.0314% | 1,787 |
| Noninterest income to average assets | 1.1307% | 946 |
| Noninterest expense to average assets | 3.5569% | 1,368 |
| Loan and lease loss provision to assets | 0.0407% | 3,596 |
| Net operating income to assets | 0.8845% | 2,990 |
| Return on assets (ROA) | 0.8845% | 3,095 |
| Pretax return on assets | 1.2674% | 2,502 |
| Return on Equity (ROE) | 8.3644% | 3,002 |
| Retained earnings to average equity (ytd only) | 3.6718% | 4,029 |
| Net charge-offs to loans | -0.0206% | 5,616 |
| Credit loss provision to net charge-offs | -313.3333% | 5,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4322% | 3,101 |
| Assets per employee ($millions) | 3.4895% | 4,880 |
| Cash dividends to net income (ytd only)* | 56.1018% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8851% | 1,485 |
| Loan loss allowance to noncurrent loans | 175.1607% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.6884% | 3,761 |
| Noncurrent loans to loans | 1.0762% | 2,921 |
| Net loans and leases to total assets | 61.1845% | 3,597 |
| Net loans and leases to deposits | 72.1101% | 3,677 |
| Net loans and leases to core deposits | 78.5575% | 3,487 |
| Total domestic deposits to total assets | 84.8487% | 3,399 |
| Equity capital to assets | 10.2575% | 3,851 |
| Core capital (leverage) ratio | 9.8117% | 3,926 |
| Tier 1 risk-based capital ratio | 13.0578% | 4,833 |
| Total risk-based capital ratio | 14.3121% | 4,755 |
| Memoranda: | ||
| Average total assets | $616,359,500 | 1,091 |
| Average earning assets | $570,938,750 | 1,070 |
| Average equity | $65,179,500 | 1,133 |
| Average total loans | $388,795,250 | 1,136 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,990 |
| Cost of funding earning assets | 0.1550% | 6,238 |
| Net interest margin | 4.0339% | 1,710 |
| Noninterest income to average assets | 1.0650% | 1,051 |
| Noninterest expense to average assets | 3.5645% | 1,360 |
| Loan and lease loss provision to assets | 0.0571% | 3,150 |
| Net operating income to assets | 0.8380% | 3,138 |
| Return on assets (ROA) | 0.8380% | 3,230 |
| Pretax return on assets | 1.2097% | 2,631 |
| Return on Equity (ROE) | 7.8407% | 3,190 |
| Retained earnings to average equity (ytd only) | 3.1029% | 4,229 |
| Net charge-offs to loans | 0.1283% | 2,385 |
| Credit loss provision to net charge-offs | 70.3252% | 2,469 |
| Earnings coverage of net charge-offs (x) | 15.5894% | 1,838 |
| Efficiency ratio | 73.0685% | 3,142 |
| Assets per employee ($millions) | 3.4099% | 5,035 |
| Cash dividends to net income (ytd only)* | 60.4257% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 1,699 |
| Loan loss allowance to noncurrent loans | 220.1506% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.6151% | 4,127 |
| Noncurrent loans to loans | 0.8407% | 3,608 |
| Net loans and leases to total assets | 60.7884% | 3,596 |
| Net loans and leases to deposits | 71.8226% | 3,596 |
| Net loans and leases to core deposits | 77.2380% | 3,518 |
| Total domestic deposits to total assets | 84.6369% | 3,668 |
| Equity capital to assets | 10.3548% | 3,614 |
| Core capital (leverage) ratio | 9.9464% | 3,689 |
| Tier 1 risk-based capital ratio | 13.1637% | 4,810 |
| Total risk-based capital ratio | 14.4176% | 4,738 |
| Memoranda: | ||
| Average total assets | $605,463,670 | 1,102 |
| Average earning assets | $565,306,000 | 1,082 |
| Average equity | $64,714,000 | 1,129 |
| Average total loans | $383,478,330 | 1,146 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 3,131 |
| Cost of funding earning assets | 0.1417% | 6,397 |
| Net interest margin | 3.9992% | 1,766 |
| Noninterest income to average assets | 0.9556% | 1,245 |
| Noninterest expense to average assets | 3.7070% | 1,121 |
| Loan and lease loss provision to assets | 0.1093% | 2,113 |
| Net operating income to assets | 0.6244% | 4,072 |
| Return on assets (ROA) | 0.6244% | 4,158 |
| Pretax return on assets | 0.9128% | 3,653 |
| Return on Equity (ROE) | 5.7449% | 4,154 |
| Retained earnings to average equity (ytd only) | 0.9929% | 5,201 |
| Net charge-offs to loans | 0.2584% | 1,298 |
| Credit loss provision to net charge-offs | 65.9836% | 2,046 |
| Earnings coverage of net charge-offs (x) | 6.1721% | 2,262 |
| Efficiency ratio | 77.8416% | 2,494 |
| Assets per employee ($millions) | 3.4316% | 5,073 |
| Cash dividends to net income (ytd only)* | 82.7174% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 1,762 |
| Loan loss allowance to noncurrent loans | 193.5048% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6774% | 4,086 |
| Noncurrent loans to loans | 0.9808% | 3,462 |
| Net loans and leases to total assets | 61.4217% | 3,326 |
| Net loans and leases to deposits | 72.0743% | 3,330 |
| Net loans and leases to core deposits | 75.4922% | 3,464 |
| Total domestic deposits to total assets | 85.2200% | 3,764 |
| Equity capital to assets | 10.4616% | 3,283 |
| Core capital (leverage) ratio | 10.5733% | 2,842 |
| Tier 1 risk-based capital ratio | 13.6742% | 4,557 |
| Total risk-based capital ratio | 14.9286% | 4,510 |
| Memoranda: | ||
| Average total assets | $589,367,500 | 1,135 |
| Average earning assets | $556,108,500 | 1,108 |
| Average equity | $64,057,000 | 1,143 |
| Average total loans | $377,752,500 | 1,171 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 2,791 |
| Cost of funding earning assets | 0.1755% | 6,416 |
| Net interest margin | 4.1693% | 1,446 |
| Noninterest income to average assets | 1.3135% | 801 |
| Noninterest expense to average assets | 3.6993% | 1,284 |
| Loan and lease loss provision to assets | 0.2189% | 1,666 |
| Net operating income to assets | 0.8234% | 3,170 |
| Return on assets (ROA) | 0.8234% | 3,263 |
| Pretax return on assets | 1.2061% | 2,551 |
| Return on Equity (ROE) | 7.3928% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.7791% | 3,511 |
| Net charge-offs to loans | 0.3023% | 2,175 |
| Credit loss provision to net charge-offs | 115.1431% | 2,097 |
| Earnings coverage of net charge-offs (x) | 7.4958% | 2,835 |
| Efficiency ratio | 71.6884% | 3,539 |
| Assets per employee ($millions) | 3.1015% | 5,668 |
| Cash dividends to net income (ytd only)* | 48.8808% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9899% | 1,580 |
| Loan loss allowance to noncurrent loans | 256.9092% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 4,483 |
| Noncurrent loans to loans | 0.7746% | 4,030 |
| Net loans and leases to total assets | 64.4025% | 2,974 |
| Net loans and leases to deposits | 72.7163% | 3,427 |
| Net loans and leases to core deposits | 76.2621% | 3,580 |
| Total domestic deposits to total assets | 88.5668% | 1,878 |
| Equity capital to assets | 11.3118% | 2,326 |
| Core capital (leverage) ratio | 10.7616% | 2,613 |
| Tier 1 risk-based capital ratio | 14.4471% | 3,986 |
| Total risk-based capital ratio | 15.7031% | 3,924 |
| Memoranda: | ||
| Average total assets | $569,705,200 | 1,163 |
| Average earning assets | $520,709,000 | 1,164 |
| Average equity | $63,454,000 | 1,128 |
| Average total loans | $358,301,200 | 1,193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3525% | 2,774 |
| Cost of funding earning assets | 0.1827% | 6,487 |
| Net interest margin | 4.1698% | 1,422 |
| Noninterest income to average assets | 1.3440% | 811 |
| Noninterest expense to average assets | 3.7063% | 1,237 |
| Loan and lease loss provision to assets | 0.2888% | 1,190 |
| Net operating income to assets | 0.7705% | 3,509 |
| Return on assets (ROA) | 0.7705% | 3,631 |
| Pretax return on assets | 1.1278% | 2,990 |
| Return on Equity (ROE) | 6.9449% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.6997% | 4,066 |
| Net charge-offs to loans | 0.3874% | 1,655 |
| Credit loss provision to net charge-offs | 119.8643% | 1,970 |
| Earnings coverage of net charge-offs (x) | 5.8789% | 3,085 |
| Efficiency ratio | 71.9234% | 3,417 |
| Assets per employee ($millions) | 3.2442% | 5,399 |
| Cash dividends to net income (ytd only)* | 46.7273% | 2,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1510% | 1,409 |
| Loan loss allowance to noncurrent loans | 217.7817% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 4,304 |
| Noncurrent loans to loans | 0.9877% | 3,836 |
| Net loans and leases to total assets | 58.7988% | 3,882 |
| Net loans and leases to deposits | 66.3426% | 4,264 |
| Net loans and leases to core deposits | 69.1744% | 4,415 |
| Total domestic deposits to total assets | 88.6291% | 1,764 |
| Equity capital to assets | 11.0764% | 2,693 |
| Core capital (leverage) ratio | 10.4294% | 3,089 |
| Tier 1 risk-based capital ratio | 15.1859% | 3,639 |
| Total risk-based capital ratio | 16.3425% | 3,644 |
| Memoranda: | ||
| Average total assets | $571,011,250 | 1,173 |
| Average earning assets | $517,481,500 | 1,187 |
| Average equity | $63,354,250 | 1,147 |
| Average total loans | $355,146,250 | 1,205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3245% | 2,855 |
| Cost of funding earning assets | 0.1866% | 6,540 |
| Net interest margin | 4.1379% | 1,441 |
| Noninterest income to average assets | 1.3243% | 885 |
| Noninterest expense to average assets | 3.6653% | 1,306 |
| Loan and lease loss provision to assets | 0.4281% | 702 |
| Net operating income to assets | 0.7053% | 3,778 |
| Return on assets (ROA) | 0.7053% | 3,952 |
| Pretax return on assets | 1.0054% | 3,489 |
| Return on Equity (ROE) | 6.3536% | 3,965 |
| Retained earnings to average equity (ytd only) | 3.9165% | 3,799 |
| Net charge-offs to loans | 0.5428% | 1,219 |
| Credit loss provision to net charge-offs | 125.3854% | 1,797 |
| Earnings coverage of net charge-offs (x) | 4.1984% | 3,189 |
| Efficiency ratio | 71.5003% | 3,558 |
| Assets per employee ($millions) | 3.3155% | 5,239 |
| Cash dividends to net income (ytd only)* | 38.3582% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 1,734 |
| Loan loss allowance to noncurrent loans | 218.7921% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 4,352 |
| Noncurrent loans to loans | 0.9387% | 4,046 |
| Net loans and leases to total assets | 61.3391% | 3,416 |
| Net loans and leases to deposits | 69.0729% | 3,851 |
| Net loans and leases to core deposits | 72.1123% | 4,022 |
| Total domestic deposits to total assets | 88.8035% | 1,730 |
| Equity capital to assets | 10.8749% | 2,870 |
| Core capital (leverage) ratio | 10.3244% | 3,073 |
| Tier 1 risk-based capital ratio | 14.7436% | 3,947 |
| Total risk-based capital ratio | 16.0032% | 3,904 |
| Memoranda: | ||
| Average total assets | $569,942,000 | 1,177 |
| Average earning assets | $519,879,330 | 1,185 |
| Average equity | $63,271,330 | 1,157 |
| Average total loans | $358,509,670 | 1,189 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3517% | 2,684 |
| Cost of funding earning assets | 0.1929% | 6,610 |
| Net interest margin | 4.1588% | 1,304 |
| Noninterest income to average assets | 1.2032% | 1,048 |
| Noninterest expense to average assets | 3.6012% | 1,418 |
| Loan and lease loss provision to assets | 0.4299% | 694 |
| Net operating income to assets | 0.6650% | 3,873 |
| Return on assets (ROA) | 0.6650% | 4,030 |
| Pretax return on assets | 0.9731% | 3,469 |
| Return on Equity (ROE) | 5.9282% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.9282% | 2,718 |
| Net charge-offs to loans | 1.1761% | 499 |
| Credit loss provision to net charge-offs | 57.9752% | 2,486 |
| Earnings coverage of net charge-offs (x) | 1.8921% | 3,204 |
| Efficiency ratio | 71.7379% | 3,662 |
| Assets per employee ($millions) | 3.3002% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 2,319 |
| Loan loss allowance to noncurrent loans | 175.9543% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9779% | 3,971 |
| Noncurrent loans to loans | 1.0767% | 3,997 |
| Net loans and leases to total assets | 61.4574% | 3,178 |
| Net loans and leases to deposits | 69.4587% | 3,583 |
| Net loans and leases to core deposits | 72.3475% | 3,778 |
| Total domestic deposits to total assets | 88.4805% | 2,020 |
| Equity capital to assets | 11.1619% | 2,784 |
| Core capital (leverage) ratio | 10.4691% | 2,823 |
| Tier 1 risk-based capital ratio | 14.9429% | 3,882 |
| Total risk-based capital ratio | 16.1981% | 3,840 |
| Memoranda: | ||
| Average total assets | $564,804,500 | 1,203 |
| Average earning assets | $516,210,000 | 1,207 |
| Average equity | $63,358,000 | 1,168 |
| Average total loans | $356,083,000 | 1,197 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 3,674 |
| Cost of funding earning assets | 0.2926% | 6,492 |
| Net interest margin | 4.1435% | 1,844 |
| Noninterest income to average assets | 1.0877% | 1,310 |
| Noninterest expense to average assets | 3.4311% | 1,985 |
| Loan and lease loss provision to assets | 0.5227% | 1,114 |
| Net operating income to assets | 0.5798% | 4,337 |
| Return on assets (ROA) | 0.5798% | 4,596 |
| Pretax return on assets | 0.9040% | 3,903 |
| Return on Equity (ROE) | 5.2516% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.6288% | 5,052 |
| Net charge-offs to loans | 0.9736% | 1,131 |
| Credit loss provision to net charge-offs | 93.3626% | 3,335 |
| Earnings coverage of net charge-offs (x) | 2.5485% | 4,140 |
| Efficiency ratio | 70.4575% | 3,723 |
| Assets per employee ($millions) | 3.2863% | 5,446 |
| Cash dividends to net income (ytd only)* | 68.9843% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0358% | 1,929 |
| Loan loss allowance to noncurrent loans | 78.9779% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 1.7883% | 2,727 |
| Noncurrent loans to loans | 2.5776% | 2,053 |
| Net loans and leases to total assets | 62.1635% | 3,222 |
| Net loans and leases to deposits | 70.4393% | 3,648 |
| Net loans and leases to core deposits | 73.4427% | 3,860 |
| Total domestic deposits to total assets | 88.2511% | 2,063 |
| Equity capital to assets | 11.2747% | 2,653 |
| Core capital (leverage) ratio | 10.3406% | 2,961 |
| Tier 1 risk-based capital ratio | 15.1119% | 3,666 |
| Total risk-based capital ratio | 16.3692% | 3,603 |
| Memoranda: | ||
| Average total assets | $570,545,200 | 1,165 |
| Average earning assets | $519,132,400 | 1,169 |
| Average equity | $62,990,200 | 1,129 |
| Average total loans | $328,046,800 | 1,282 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 4,040 |
| Cost of funding earning assets | 0.3134% | 6,546 |
| Net interest margin | 4.0886% | 2,132 |
| Noninterest income to average assets | 1.0115% | 1,469 |
| Noninterest expense to average assets | 3.3259% | 2,201 |
| Loan and lease loss provision to assets | 0.4282% | 1,487 |
| Net operating income to assets | 0.6305% | 4,236 |
| Return on assets (ROA) | 0.6305% | 4,491 |
| Pretax return on assets | 0.9792% | 3,793 |
| Return on Equity (ROE) | 5.7404% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.3253% | 4,532 |
| Net charge-offs to loans | 0.8976% | 1,216 |
| Credit loss provision to net charge-offs | 85.1201% | 3,460 |
| Earnings coverage of net charge-offs (x) | 2.7976% | 3,919 |
| Efficiency ratio | 70.1179% | 3,670 |
| Assets per employee ($millions) | 3.5346% | 4,894 |
| Cash dividends to net income (ytd only)* | 42.0724% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 1,996 |
| Loan loss allowance to noncurrent loans | 73.9234% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 2,891 |
| Noncurrent loans to loans | 2.7945% | 2,013 |
| Net loans and leases to total assets | 57.0784% | 4,286 |
| Net loans and leases to deposits | 64.5195% | 4,659 |
| Net loans and leases to core deposits | 66.7139% | 4,876 |
| Total domestic deposits to total assets | 88.4669% | 1,741 |
| Equity capital to assets | 10.8908% | 3,393 |
| Core capital (leverage) ratio | 10.2980% | 3,168 |
| Tier 1 risk-based capital ratio | 15.3854% | 3,603 |
| Total risk-based capital ratio | 16.6268% | 3,566 |
| Memoranda: | ||
| Average total assets | $573,512,750 | 1,171 |
| Average earning assets | $522,055,500 | 1,173 |
| Average equity | $62,990,500 | 1,137 |
| Average total loans | $321,431,250 | 1,321 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 3,910 |
| Cost of funding earning assets | 0.3417% | 6,550 |
| Net interest margin | 4.1266% | 1,983 |
| Noninterest income to average assets | 0.9938% | 1,487 |
| Noninterest expense to average assets | 3.5445% | 1,687 |
| Loan and lease loss provision to assets | 0.4303% | 1,515 |
| Net operating income to assets | 0.5004% | 4,819 |
| Return on assets (ROA) | 0.5004% | 5,074 |
| Pretax return on assets | 0.7487% | 4,662 |
| Return on Equity (ROE) | 4.5430% | 5,017 |
| Retained earnings to average equity (ytd only) | 0.8952% | 5,714 |
| Net charge-offs to loans | 0.8761% | 1,255 |
| Credit loss provision to net charge-offs | 88.8727% | 3,081 |
| Earnings coverage of net charge-offs (x) | 2.4349% | 3,784 |
| Efficiency ratio | 74.9199% | 2,911 |
| Assets per employee ($millions) | 3.3663% | 5,282 |
| Cash dividends to net income (ytd only)* | 80.2956% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2206% | 1,727 |
| Loan loss allowance to noncurrent loans | 65.5023% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 2,607 |
| Noncurrent loans to loans | 3.3901% | 1,710 |
| Net loans and leases to total assets | 56.3168% | 4,416 |
| Net loans and leases to deposits | 64.0121% | 4,764 |
| Net loans and leases to core deposits | 66.4500% | 4,946 |
| Total domestic deposits to total assets | 87.9784% | 2,158 |
| Equity capital to assets | 11.0370% | 3,076 |
| Core capital (leverage) ratio | 9.9830% | 3,441 |
| Tier 1 risk-based capital ratio | 15.6778% | 3,346 |
| Total risk-based capital ratio | 16.9396% | 3,301 |
| Memoranda: | ||
| Average total assets | $567,921,670 | 1,183 |
| Average earning assets | $513,302,670 | 1,196 |
| Average equity | $62,558,330 | 1,138 |
| Average total loans | $313,897,330 | 1,349 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4226% | 4,231 |
| Cost of funding earning assets | 0.3700% | 6,554 |
| Net interest margin | 4.0526% | 2,287 |
| Noninterest income to average assets | 0.9256% | 1,646 |
| Noninterest expense to average assets | 3.5747% | 1,618 |
| Loan and lease loss provision to assets | 0.4300% | 1,460 |
| Net operating income to assets | 0.3835% | 5,328 |
| Return on assets (ROA) | 0.3835% | 5,510 |
| Pretax return on assets | 0.5809% | 5,179 |
| Return on Equity (ROE) | 3.4848% | 5,515 |
| Retained earnings to average equity (ytd only) | -3.8179% | 6,475 |
| Net charge-offs to loans | 0.7374% | 1,384 |
| Credit loss provision to net charge-offs | 107.7739% | 2,164 |
| Earnings coverage of net charge-offs (x) | 2.5336% | 3,156 |
| Efficiency ratio | 77.8324% | 2,520 |
| Assets per employee ($millions) | 3.2974% | 5,573 |
| Cash dividends to net income (ytd only)* | 209.5588% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4391% | 1,445 |
| Loan loss allowance to noncurrent loans | 71.1782% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.9727% | 2,945 |
| Noncurrent loans to loans | 3.4268% | 1,833 |
| Net loans and leases to total assets | 51.8001% | 5,050 |
| Net loans and leases to deposits | 59.0115% | 5,277 |
| Net loans and leases to core deposits | 61.1415% | 5,417 |
| Total domestic deposits to total assets | 87.7798% | 2,479 |
| Equity capital to assets | 10.7726% | 3,184 |
| Core capital (leverage) ratio | 9.8603% | 3,553 |
| Tier 1 risk-based capital ratio | 16.1643% | 3,091 |
| Total risk-based capital ratio | 17.4283% | 3,045 |
| Memoranda: | ||
| Average total assets | $567,431,000 | 1,188 |
| Average earning assets | $512,458,000 | 1,204 |
| Average equity | $62,442,500 | 1,137 |
| Average total loans | $307,014,000 | 1,379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 5,078 |
| Cost of funding earning assets | 0.5849% | 6,161 |
| Net interest margin | 3.9142% | 3,271 |
| Noninterest income to average assets | 0.8346% | 1,908 |
| Noninterest expense to average assets | 3.2632% | 2,642 |
| Loan and lease loss provision to assets | 0.6312% | 1,617 |
| Net operating income to assets | 0.3097% | 5,214 |
| Return on assets (ROA) | 0.2696% | 5,521 |
| Pretax return on assets | 0.3760% | 5,361 |
| Return on Equity (ROE) | 2.4986% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.4986% | 4,450 |
| Net charge-offs to loans | 1.5973% | 993 |
| Credit loss provision to net charge-offs | 78.0916% | 4,549 |
| Earnings coverage of net charge-offs (x) | 1.3149% | 4,792 |
| Efficiency ratio | 75.3398% | 3,002 |
| Assets per employee ($millions) | 3.0990% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 1,441 |
| Loan loss allowance to noncurrent loans | 64.9899% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2188% | 2,714 |
| Noncurrent loans to loans | 3.7156% | 1,697 |
| Net loans and leases to total assets | 53.8197% | 5,062 |
| Net loans and leases to deposits | 61.8839% | 5,259 |
| Net loans and leases to core deposits | 64.1789% | 5,445 |
| Total domestic deposits to total assets | 86.9689% | 2,779 |
| Equity capital to assets | 11.2442% | 2,744 |
| Core capital (leverage) ratio | 9.8962% | 3,465 |
| Tier 1 risk-based capital ratio | 16.5183% | 2,814 |
| Total risk-based capital ratio | 17.7708% | 2,777 |
| Memoranda: | ||
| Average total assets | $578,266,200 | 1,136 |
| Average earning assets | $515,814,600 | 1,164 |
| Average equity | $62,394,400 | 1,080 |
| Average total loans | $292,611,800 | 1,452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 5,391 |
| Cost of funding earning assets | 0.6264% | 6,143 |
| Net interest margin | 3.8330% | 3,703 |
| Noninterest income to average assets | 0.7995% | 2,058 |
| Noninterest expense to average assets | 3.4001% | 2,187 |
| Loan and lease loss provision to assets | 0.4742% | 2,091 |
| Net operating income to assets | 0.2588% | 5,541 |
| Return on assets (ROA) | 0.2548% | 5,703 |
| Pretax return on assets | 0.3280% | 5,647 |
| Return on Equity (ROE) | 2.3858% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.3858% | 4,929 |
| Net charge-offs to loans | 1.7060% | 810 |
| Credit loss provision to net charge-offs | 56.1418% | 4,893 |
| Earnings coverage of net charge-offs (x) | 0.9556% | 4,907 |
| Efficiency ratio | 80.7377% | 2,153 |
| Assets per employee ($millions) | 3.3233% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3247% | 1,650 |
| Loan loss allowance to noncurrent loans | 46.8780% | 5,199 |
| Noncurrent assets plus other real estate owned to assets | 2.6408% | 2,452 |
| Noncurrent loans to loans | 4.9590% | 1,260 |
| Net loans and leases to total assets | 49.0784% | 5,827 |
| Net loans and leases to deposits | 56.3301% | 6,001 |
| Net loans and leases to core deposits | 58.3505% | 6,101 |
| Total domestic deposits to total assets | 87.1263% | 2,572 |
| Equity capital to assets | 10.6866% | 3,480 |
| Core capital (leverage) ratio | 9.3202% | 4,424 |
| Tier 1 risk-based capital ratio | 16.3584% | 2,936 |
| Total risk-based capital ratio | 17.6212% | 2,893 |
| Memoranda: | ||
| Average total assets | $583,376,500 | 1,129 |
| Average earning assets | $518,678,000 | 1,166 |
| Average equity | $62,312,250 | 1,089 |
| Average total loans | $288,852,500 | 1,491 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5427% | 5,201 |
| Cost of funding earning assets | 0.6678% | 6,132 |
| Net interest margin | 3.8749% | 3,413 |
| Noninterest income to average assets | 0.7974% | 2,030 |
| Noninterest expense to average assets | 3.4783% | 2,038 |
| Loan and lease loss provision to assets | 0.4735% | 2,094 |
| Net operating income to assets | 0.1992% | 5,743 |
| Return on assets (ROA) | 0.1939% | 5,873 |
| Pretax return on assets | 0.2745% | 5,729 |
| Return on Equity (ROE) | 1.8153% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.8153% | 5,086 |
| Net charge-offs to loans | 1.4723% | 1,013 |
| Credit loss provision to net charge-offs | 65.2791% | 4,197 |
| Earnings coverage of net charge-offs (x) | 1.0416% | 4,508 |
| Efficiency ratio | 82.0731% | 2,091 |
| Assets per employee ($millions) | 3.2324% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 1,268 |
| Loan loss allowance to noncurrent loans | 47.9143% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 3.0233% | 2,223 |
| Noncurrent loans to loans | 5.4882% | 1,153 |
| Net loans and leases to total assets | 49.6767% | 5,865 |
| Net loans and leases to deposits | 57.4578% | 5,997 |
| Net loans and leases to core deposits | 59.4893% | 6,138 |
| Total domestic deposits to total assets | 86.4577% | 3,066 |
| Equity capital to assets | 10.8600% | 3,116 |
| Core capital (leverage) ratio | 9.1516% | 4,489 |
| Tier 1 risk-based capital ratio | 16.4745% | 2,757 |
| Total risk-based capital ratio | 17.7410% | 2,708 |
| Memoranda: | ||
| Average total assets | $582,869,000 | 1,145 |
| Average earning assets | $516,914,330 | 1,180 |
| Average equity | $62,247,670 | 1,085 |
| Average total loans | $287,173,000 | 1,514 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5062% | 5,313 |
| Cost of funding earning assets | 0.6987% | 6,148 |
| Net interest margin | 3.8075% | 3,584 |
| Noninterest income to average assets | 0.7651% | 2,190 |
| Noninterest expense to average assets | 3.3991% | 2,282 |
| Loan and lease loss provision to assets | 0.4603% | 1,915 |
| Net operating income to assets | 0.2005% | 5,781 |
| Return on assets (ROA) | 0.1896% | 5,876 |
| Pretax return on assets | 0.2612% | 5,777 |
| Return on Equity (ROE) | 1.7898% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.7898% | 5,045 |
| Net charge-offs to loans | 1.0507% | 1,301 |
| Credit loss provision to net charge-offs | 90.4826% | 2,940 |
| Earnings coverage of net charge-offs (x) | 1.4477% | 3,622 |
| Efficiency ratio | 82.0940% | 2,213 |
| Assets per employee ($millions) | 3.3782% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9394% | 967 |
| Loan loss allowance to noncurrent loans | 50.2880% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 3.0452% | 2,267 |
| Noncurrent loans to loans | 5.8450% | 1,102 |
| Net loans and leases to total assets | 47.0869% | 6,181 |
| Net loans and leases to deposits | 54.5876% | 6,245 |
| Net loans and leases to core deposits | 56.4443% | 6,374 |
| Total domestic deposits to total assets | 86.2594% | 3,355 |
| Equity capital to assets | 10.5767% | 3,102 |
| Core capital (leverage) ratio | 9.1622% | 4,354 |
| Tier 1 risk-based capital ratio | 16.6870% | 2,594 |
| Total risk-based capital ratio | 17.9560% | 2,559 |
| Memoranda: | ||
| Average total assets | $586,623,500 | 1,140 |
| Average earning assets | $519,285,000 | 1,183 |
| Average equity | $62,129,500 | 1,082 |
| Average total loans | $283,990,000 | 1,544 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8222% | 5,337 |
| Cost of funding earning assets | 0.9394% | 5,982 |
| Net interest margin | 3.8828% | 3,569 |
| Noninterest income to average assets | 0.9213% | 1,774 |
| Noninterest expense to average assets | 3.0294% | 3,733 |
| Loan and lease loss provision to assets | 0.6840% | 2,407 |
| Net operating income to assets | 0.5360% | 3,945 |
| Return on assets (ROA) | 0.1124% | 5,701 |
| Pretax return on assets | 0.1450% | 5,606 |
| Return on Equity (ROE) | 1.1271% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.1271% | 4,981 |
| Net charge-offs to loans | 1.8705% | 1,105 |
| Credit loss provision to net charge-offs | 75.1742% | 5,728 |
| Earnings coverage of net charge-offs (x) | 1.5079% | 4,624 |
| Efficiency ratio | 68.7576% | 4,415 |
| Assets per employee ($millions) | 3.2706% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9889% | 879 |
| Loan loss allowance to noncurrent loans | 61.0369% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 2.6066% | 2,674 |
| Noncurrent loans to loans | 4.8968% | 1,401 |
| Net loans and leases to total assets | 46.8647% | 6,490 |
| Net loans and leases to deposits | 54.8145% | 6,537 |
| Net loans and leases to core deposits | 56.7050% | 6,652 |
| Total domestic deposits to total assets | 85.4969% | 3,603 |
| Equity capital to assets | 10.6055% | 3,061 |
| Core capital (leverage) ratio | 9.0501% | 4,450 |
| Tier 1 risk-based capital ratio | 17.1099% | 2,313 |
| Total risk-based capital ratio | 18.3678% | 2,276 |
| Memoranda: | ||
| Average total assets | $599,451,800 | 1,116 |
| Average earning assets | $537,260,600 | 1,130 |
| Average equity | $59,802,000 | 1,112 |
| Average total loans | $291,573,600 | 1,533 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8656% | 5,415 |
| Cost of funding earning assets | 0.9875% | 5,993 |
| Net interest margin | 3.8781% | 3,622 |
| Noninterest income to average assets | 0.6070% | 3,392 |
| Noninterest expense to average assets | 3.2612% | 2,705 |
| Loan and lease loss provision to assets | 0.8624% | 1,764 |
| Net operating income to assets | -0.0228% | 6,039 |
| Return on assets (ROA) | -0.4907% | 6,629 |
| Pretax return on assets | -0.7516% | 6,706 |
| Return on Equity (ROE) | -4.9950% | 6,648 |
| Retained earnings to average equity (ytd only) | -4.9950% | 6,554 |
| Net charge-offs to loans | 1.7224% | 1,132 |
| Credit loss provision to net charge-offs | 102.7668% | 4,182 |
| Earnings coverage of net charge-offs (x) | 0.9897% | 5,070 |
| Efficiency ratio | 79.6206% | 2,402 |
| Assets per employee ($millions) | 3.4141% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3319% | 617 |
| Loan loss allowance to noncurrent loans | 56.3278% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 3.2126% | 2,224 |
| Noncurrent loans to loans | 5.9152% | 1,071 |
| Net loans and leases to total assets | 47.8587% | 6,534 |
| Net loans and leases to deposits | 55.9642% | 6,619 |
| Net loans and leases to core deposits | 57.9984% | 6,724 |
| Total domestic deposits to total assets | 85.5166% | 3,334 |
| Equity capital to assets | 9.8666% | 4,336 |
| Core capital (leverage) ratio | 8.2365% | 5,983 |
| Tier 1 risk-based capital ratio | 15.2712% | 3,116 |
| Total risk-based capital ratio | 16.5423% | 3,065 |
| Memoranda: | ||
| Average total assets | $602,956,250 | 1,119 |
| Average earning assets | $541,801,250 | 1,133 |
| Average equity | $59,230,500 | 1,126 |
| Average total loans | $293,763,250 | 1,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 5,460 |
| Cost of funding earning assets | 1.0137% | 6,078 |
| Net interest margin | 3.8717% | 3,577 |
| Noninterest income to average assets | 0.5341% | 3,843 |
| Noninterest expense to average assets | 3.1744% | 2,991 |
| Loan and lease loss provision to assets | 1.2259% | 1,144 |
| Net operating income to assets | -0.2572% | 6,424 |
| Return on assets (ROA) | -0.9797% | 6,956 |
| Pretax return on assets | -1.4634% | 7,064 |
| Return on Equity (ROE) | -9.9879% | 6,967 |
| Retained earnings to average equity (ytd only) | -9.9879% | 6,916 |
| Net charge-offs to loans | 1.8077% | 1,030 |
| Credit loss provision to net charge-offs | 139.9395% | 2,869 |
| Earnings coverage of net charge-offs (x) | 0.9599% | 4,820 |
| Efficiency ratio | 78.9752% | 2,576 |
| Assets per employee ($millions) | 3.3925% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8025% | 435 |
| Loan loss allowance to noncurrent loans | 57.2098% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 3.3433% | 2,102 |
| Noncurrent loans to loans | 6.6465% | 887 |
| Net loans and leases to total assets | 46.2904% | 6,763 |
| Net loans and leases to deposits | 54.8960% | 6,800 |
| Net loans and leases to core deposits | 57.1422% | 6,881 |
| Total domestic deposits to total assets | 84.3238% | 3,943 |
| Equity capital to assets | 10.0541% | 3,947 |
| Core capital (leverage) ratio | 8.1799% | 5,976 |
| Tier 1 risk-based capital ratio | 15.9636% | 2,692 |
| Total risk-based capital ratio | 17.2419% | 2,638 |
| Memoranda: | ||
| Average total assets | $603,646,330 | 1,122 |
| Average earning assets | $542,763,000 | 1,137 |
| Average equity | $59,211,670 | 1,116 |
| Average total loans | $292,521,670 | 1,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 6,026 |
| Cost of funding earning assets | 1.1080% | 5,866 |
| Net interest margin | 3.6556% | 4,458 |
| Noninterest income to average assets | 0.4088% | 4,834 |
| Noninterest expense to average assets | 3.0870% | 3,320 |
| Loan and lease loss provision to assets | 2.0374% | 542 |
| Net operating income to assets | -0.9595% | 7,086 |
| Return on assets (ROA) | -0.9595% | 7,113 |
| Pretax return on assets | -1.4262% | 7,231 |
| Return on Equity (ROE) | -9.9029% | 7,135 |
| Retained earnings to average equity (ytd only) | -9.9029% | 6,958 |
| Net charge-offs to loans | 2.1775% | 781 |
| Credit loss provision to net charge-offs | 192.4271% | 1,919 |
| Earnings coverage of net charge-offs (x) | 0.5773% | 4,513 |
| Efficiency ratio | 83.3659% | 2,093 |
| Assets per employee ($millions) | 3.4207% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8802% | 415 |
| Loan loss allowance to noncurrent loans | 47.4522% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 4.3107% | 1,577 |
| Noncurrent loans to loans | 8.1771% | 649 |
| Net loans and leases to total assets | 45.9564% | 6,834 |
| Net loans and leases to deposits | 54.4486% | 6,887 |
| Net loans and leases to core deposits | 57.1637% | 6,925 |
| Total domestic deposits to total assets | 84.4033% | 3,949 |
| Equity capital to assets | 9.6059% | 4,370 |
| Core capital (leverage) ratio | 8.2250% | 5,873 |
| Tier 1 risk-based capital ratio | 15.0916% | 3,070 |
| Total risk-based capital ratio | 16.2663% | 3,068 |
| Memoranda: | ||
| Average total assets | $608,625,000 | 1,130 |
| Average earning assets | $547,658,500 | 1,146 |
| Average equity | $58,972,500 | 1,127 |
| Average total loans | $295,940,500 | 1,592 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 5,947 |
| Cost of funding earning assets | 1.5806% | 5,123 |
| Net interest margin | 3.5521% | 4,736 |
| Noninterest income to average assets | 0.4808% | 4,556 |
| Noninterest expense to average assets | 2.8352% | 4,815 |
| Loan and lease loss provision to assets | 1.9679% | 1,108 |
| Net operating income to assets | -0.7538% | 6,405 |
| Return on assets (ROA) | -0.7673% | 6,410 |
| Pretax return on assets | -1.1363% | 6,496 |
| Return on Equity (ROE) | -8.1514% | 6,479 |
| Retained earnings to average equity (ytd only) | -8.1514% | 6,357 |
| Net charge-offs to loans | 3.4413% | 568 |
| Credit loss provision to net charge-offs | 112.6265% | 4,870 |
| Earnings coverage of net charge-offs (x) | 0.4874% | 5,620 |
| Efficiency ratio | 76.6931% | 3,410 |
| Assets per employee ($millions) | 3.5998% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2607% | 627 |
| Loan loss allowance to noncurrent loans | 41.0610% | 5,662 |
| Noncurrent assets plus other real estate owned to assets | 4.1960% | 1,555 |
| Noncurrent loans to loans | 7.9411% | 639 |
| Net loans and leases to total assets | 47.8260% | 6,824 |
| Net loans and leases to deposits | 57.2671% | 6,830 |
| Net loans and leases to core deposits | 68.2159% | 6,870 |
| Total domestic deposits to total assets | 83.5138% | 4,275 |
| Equity capital to assets | 9.7731% | 4,039 |
| Core capital (leverage) ratio | 8.3701% | 5,502 |
| Tier 1 risk-based capital ratio | 15.3833% | 2,764 |
| Total risk-based capital ratio | 16.5448% | 2,759 |
| Memoranda: | ||
| Average total assets | $650,425,400 | 1,068 |
| Average earning assets | $587,058,000 | 1,071 |
| Average equity | $61,228,400 | 1,083 |
| Average total loans | $330,254,800 | 1,462 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 6,074 |
| Cost of funding earning assets | 1.6727% | 5,049 |
| Net interest margin | 3.4847% | 4,925 |
| Noninterest income to average assets | 0.4767% | 4,699 |
| Noninterest expense to average assets | 2.9378% | 4,284 |
| Loan and lease loss provision to assets | 1.2911% | 1,491 |
| Net operating income to assets | -0.4016% | 6,319 |
| Return on assets (ROA) | -0.4016% | 6,322 |
| Pretax return on assets | -0.6044% | 6,399 |
| Return on Equity (ROE) | -4.3044% | 6,372 |
| Retained earnings to average equity (ytd only) | -4.3044% | 6,154 |
| Net charge-offs to loans | 2.5448% | 719 |
| Credit loss provision to net charge-offs | 99.3172% | 5,146 |
| Earnings coverage of net charge-offs (x) | 0.5282% | 5,501 |
| Efficiency ratio | 80.8204% | 2,733 |
| Assets per employee ($millions) | 3.7113% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6542% | 922 |
| Loan loss allowance to noncurrent loans | 34.4631% | 6,134 |
| Noncurrent assets plus other real estate owned to assets | 4.0567% | 1,566 |
| Noncurrent loans to loans | 7.7017% | 658 |
| Net loans and leases to total assets | 47.5712% | 6,995 |
| Net loans and leases to deposits | 57.3200% | 7,006 |
| Net loans and leases to core deposits | 68.5268% | 7,048 |
| Total domestic deposits to total assets | 82.9923% | 4,223 |
| Equity capital to assets | 9.7556% | 4,413 |
| Core capital (leverage) ratio | 8.2970% | 5,842 |
| Tier 1 risk-based capital ratio | 15.3722% | 2,879 |
| Total risk-based capital ratio | 16.5254% | 2,862 |
| Memoranda: | ||
| Average total assets | $660,940,750 | 1,061 |
| Average earning assets | $597,031,750 | 1,067 |
| Average equity | $61,671,500 | 1,093 |
| Average total loans | $337,627,750 | 1,447 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 5,761 |
| Cost of funding earning assets | 1.7939% | 4,793 |
| Net interest margin | 3.4822% | 4,882 |
| Noninterest income to average assets | 0.4145% | 5,167 |
| Noninterest expense to average assets | 2.9798% | 4,160 |
| Loan and lease loss provision to assets | 1.0791% | 1,587 |
| Net operating income to assets | -0.3429% | 6,382 |
| Return on assets (ROA) | -0.3429% | 6,397 |
| Pretax return on assets | -0.5228% | 6,452 |
| Return on Equity (ROE) | -3.7294% | 6,449 |
| Retained earnings to average equity (ytd only) | -3.7294% | 6,087 |
| Net charge-offs to loans | 2.0684% | 894 |
| Credit loss provision to net charge-offs | 100.7275% | 4,533 |
| Earnings coverage of net charge-offs (x) | 0.5193% | 5,187 |
| Efficiency ratio | 84.0044% | 2,470 |
| Assets per employee ($millions) | 3.9460% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5659% | 846 |
| Loan loss allowance to noncurrent loans | 28.5802% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 4.6614% | 1,189 |
| Noncurrent loans to loans | 8.9780% | 441 |
| Net loans and leases to total assets | 47.5381% | 7,077 |
| Net loans and leases to deposits | 57.2366% | 7,077 |
| Net loans and leases to core deposits | 68.6219% | 7,094 |
| Total domestic deposits to total assets | 83.0553% | 4,212 |
| Equity capital to assets | 9.1701% | 5,065 |
| Core capital (leverage) ratio | 8.2908% | 5,816 |
| Tier 1 risk-based capital ratio | 14.5341% | 3,225 |
| Total risk-based capital ratio | 15.7671% | 3,178 |
| Memoranda: | ||
| Average total assets | $667,236,000 | 1,060 |
| Average earning assets | $598,133,000 | 1,076 |
| Average equity | $61,350,000 | 1,113 |
| Average total loans | $345,583,330 | 1,444 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 6,129 |
| Cost of funding earning assets | 1.8955% | 4,644 |
| Net interest margin | 3.3509% | 5,320 |
| Noninterest income to average assets | 0.2603% | 6,370 |
| Noninterest expense to average assets | 2.9857% | 3,834 |
| Loan and lease loss provision to assets | 1.0820% | 1,208 |
| Net operating income to assets | -0.5079% | 6,886 |
| Return on assets (ROA) | -0.5079% | 6,935 |
| Pretax return on assets | -0.7183% | 6,980 |
| Return on Equity (ROE) | -5.5167% | 7,021 |
| Retained earnings to average equity (ytd only) | -5.5167% | 6,622 |
| Net charge-offs to loans | 1.4636% | 987 |
| Credit loss provision to net charge-offs | 138.6749% | 2,934 |
| Earnings coverage of net charge-offs (x) | 0.4661% | 4,620 |
| Efficiency ratio | 88.8550% | 1,821 |
| Assets per employee ($millions) | 3.4548% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5639% | 718 |
| Loan loss allowance to noncurrent loans | 28.8510% | 6,627 |
| Noncurrent assets plus other real estate owned to assets | 4.8572% | 951 |
| Noncurrent loans to loans | 8.8865% | 370 |
| Net loans and leases to total assets | 50.5780% | 6,805 |
| Net loans and leases to deposits | 61.4525% | 6,774 |
| Net loans and leases to core deposits | 75.6056% | 6,706 |
| Total domestic deposits to total assets | 82.3043% | 4,435 |
| Equity capital to assets | 9.2122% | 5,076 |
| Core capital (leverage) ratio | 8.3266% | 5,856 |
| Tier 1 risk-based capital ratio | 14.8013% | 3,156 |
| Total risk-based capital ratio | 16.0650% | 3,079 |
| Memoranda: | ||
| Average total assets | $665,448,000 | 1,067 |
| Average earning assets | $613,440,000 | 1,048 |
| Average equity | $61,268,000 | 1,118 |
| Average total loans | $354,730,500 | 1,420 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6220% | 7,005 |
| Cost of funding earning assets | 2.5152% | 4,117 |
| Net interest margin | 3.1067% | 6,634 |
| Noninterest income to average assets | 0.5605% | 4,157 |
| Noninterest expense to average assets | 3.3636% | 2,782 |
| Loan and lease loss provision to assets | 1.2583% | 1,135 |
| Net operating income to assets | -0.7647% | 7,113 |
| Return on assets (ROA) | -0.7647% | 7,017 |
| Pretax return on assets | -1.1755% | 7,104 |
| Return on Equity (ROE) | -8.6784% | 7,173 |
| Retained earnings to average equity (ytd only) | -8.6784% | 6,940 |
| Net charge-offs to loans | 2.4381% | 405 |
| Credit loss provision to net charge-offs | 93.5454% | 5,582 |
| Earnings coverage of net charge-offs (x) | 0.0615% | 6,214 |
| Efficiency ratio | 97.2658% | 1,088 |
| Assets per employee ($millions) | 3.3541% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3042% | 852 |
| Loan loss allowance to noncurrent loans | 28.4859% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 4.6917% | 776 |
| Noncurrent loans to loans | 8.0888% | 330 |
| Net loans and leases to total assets | 53.4502% | 6,713 |
| Net loans and leases to deposits | 65.9701% | 6,646 |
| Net loans and leases to core deposits | 82.6299% | 6,403 |
| Total domestic deposits to total assets | 81.0218% | 4,626 |
| Equity capital to assets | 9.2019% | 5,077 |
| Core capital (leverage) ratio | 8.7792% | 5,071 |
| Tier 1 risk-based capital ratio | 15.3924% | 2,882 |
| Total risk-based capital ratio | 16.6528% | 2,815 |
| Memoranda: | ||
| Average total assets | $715,268,800 | 933 |
| Average earning assets | $664,427,400 | 917 |
| Average equity | $63,030,000 | 1,065 |
| Average total loans | $394,605,800 | 1,226 |