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 | 4.7036% | 3,606 |
| Cost of funding earning assets | 1.5334% | 3,117 |
| Net interest margin | 3.1702% | 3,073 |
| Noninterest income to average assets | 0.4500% | 1,965 |
| Noninterest expense to average assets | 3.3560% | 709 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.0196% | 4,149 |
| Return on assets (ROA) | 0.0196% | 4,178 |
| Pretax return on assets | -0.0098% | 4,200 |
| Return on Equity (ROE) | 0.2400% | 4,165 |
| Retained earnings to average equity (ytd only) | 0.2423% | 3,627 |
| Net charge-offs to loans | 0.0179% | 1,649 |
| Credit loss provision to net charge-offs | -720.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | -0.8667% | 4,424 |
| Efficiency ratio | 97.0429% | 318 |
| Assets per employee ($millions) | 6.1593% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,611 |
| Loan loss allowance to noncurrent loans | 1,482.0717% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,338 |
| Noncurrent loans to loans | 0.0755% | 3,294 |
| Net loans and leases to total assets | 62.7700% | 2,626 |
| Net loans and leases to deposits | 73.3807% | 2,609 |
| Net loans and leases to core deposits | 76.5556% | 2,922 |
| Total domestic deposits to total assets | 85.5500% | 2,457 |
| Equity capital to assets | 8.2284% | 3,475 |
| Core capital (leverage) ratio | 9.5067% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $529,556,500 | 1,717 |
| Average earning assets | $483,374,000 | 1,727 |
| Average equity | $42,920,500 | 1,927 |
| Average total loans | $334,941,000 | 1,754 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7247% | 3,557 |
| Cost of funding earning assets | 1.6428% | 3,076 |
| Net interest margin | 3.0818% | 2,980 |
| Noninterest income to average assets | 0.4400% | 2,226 |
| Noninterest expense to average assets | 2.6371% | 1,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6209% | 3,181 |
| Return on assets (ROA) | 0.6209% | 3,199 |
| Pretax return on assets | 0.6068% | 3,443 |
| Return on Equity (ROE) | 8.0700% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.9121% | 2,667 |
| Net charge-offs to loans | 0.0211% | 2,181 |
| Credit loss provision to net charge-offs | -30.5556% | 4,312 |
| Earnings coverage of net charge-offs (x) | 45.7222% | 1,267 |
| Efficiency ratio | 77.8794% | 1,215 |
| Assets per employee ($millions) | 6.1560% | 2,756 |
| Cash dividends to net income (ytd only)* | 51.4952% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,488 |
| Loan loss allowance to noncurrent loans | 1,450.1887% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,320 |
| Noncurrent loans to loans | 0.0785% | 3,250 |
| Net loans and leases to total assets | 62.3000% | 2,730 |
| Net loans and leases to deposits | 74.1529% | 2,624 |
| Net loans and leases to core deposits | 78.5356% | 2,874 |
| Total domestic deposits to total assets | 84.0200% | 2,782 |
| Equity capital to assets | 7.9843% | 3,522 |
| Core capital (leverage) ratio | 9.4904% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $538,591,400 | 1,683 |
| Average earning assets | $491,463,800 | 1,696 |
| Average equity | $41,460,600 | 1,929 |
| Average total loans | $341,004,000 | 1,717 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6471% | 3,636 |
| Cost of funding earning assets | 1.6701% | 3,010 |
| Net interest margin | 2.9770% | 3,144 |
| Noninterest income to average assets | 0.4300% | 2,252 |
| Noninterest expense to average assets | 2.5663% | 2,046 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.6306% | 3,135 |
| Return on assets (ROA) | 0.6306% | 3,165 |
| Pretax return on assets | 0.5770% | 3,512 |
| Return on Equity (ROE) | 8.2700% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.8116% | 2,152 |
| Net charge-offs to loans | 0.0253% | 1,819 |
| Credit loss provision to net charge-offs | 36.9231% | 2,123 |
| Earnings coverage of net charge-offs (x) | 36.2769% | 1,397 |
| Efficiency ratio | 78.0831% | 1,221 |
| Assets per employee ($millions) | 5.9492% | 2,909 |
| Cash dividends to net income (ytd only)* | 29.7138% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1626% | 2,411 |
| Loan loss allowance to noncurrent loans | 1,381.2057% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 3,353 |
| Noncurrent loans to loans | 0.0842% | 3,266 |
| Net loans and leases to total assets | 62.5400% | 2,677 |
| Net loans and leases to deposits | 73.5260% | 2,708 |
| Net loans and leases to core deposits | 79.9167% | 2,812 |
| Total domestic deposits to total assets | 85.0600% | 2,269 |
| Equity capital to assets | 8.3645% | 3,487 |
| Core capital (leverage) ratio | 9.4953% | 3,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $539,345,500 | 1,673 |
| Average earning assets | $492,649,750 | 1,690 |
| Average equity | $41,135,250 | 1,944 |
| Average total loans | $341,876,500 | 1,701 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 3,737 |
| Cost of funding earning assets | 1.6611% | 2,951 |
| Net interest margin | 2.8678% | 3,307 |
| Noninterest income to average assets | 0.4100% | 2,325 |
| Noninterest expense to average assets | 2.5505% | 2,085 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.5414% | 3,324 |
| Return on assets (ROA) | 0.5414% | 3,355 |
| Pretax return on assets | 0.4744% | 3,678 |
| Return on Equity (ROE) | 7.3300% | 2,926 |
| Retained earnings to average equity (ytd only) | 3.5475% | 2,870 |
| Net charge-offs to loans | 0.0041% | 2,316 |
| Credit loss provision to net charge-offs | 342.8571% | 772 |
| Earnings coverage of net charge-offs (x) | 187.2857% | 517 |
| Efficiency ratio | 80.5613% | 1,083 |
| Assets per employee ($millions) | 6.0092% | 2,794 |
| Cash dividends to net income (ytd only)* | 51.5997% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 2,414 |
| Loan loss allowance to noncurrent loans | 966.5037% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,126 |
| Noncurrent loans to loans | 0.1207% | 3,042 |
| Net loans and leases to total assets | 63.3300% | 2,615 |
| Net loans and leases to deposits | 73.6623% | 2,716 |
| Net loans and leases to core deposits | 78.7322% | 2,878 |
| Total domestic deposits to total assets | 85.9700% | 1,995 |
| Equity capital to assets | 7.4952% | 3,732 |
| Core capital (leverage) ratio | 9.1218% | 3,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $542,635,000 | 1,665 |
| Average earning assets | $495,563,333 | 1,682 |
| Average equity | $40,084,333 | 1,948 |
| Average total loans | $344,163,000 | 1,695 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4104% | 3,816 |
| Cost of funding earning assets | 1.6155% | 2,948 |
| Net interest margin | 2.7949% | 3,379 |
| Noninterest income to average assets | 0.4300% | 2,109 |
| Noninterest expense to average assets | 2.5257% | 2,169 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.6165% | 3,114 |
| Return on assets (ROA) | 0.6165% | 3,136 |
| Pretax return on assets | 0.4418% | 3,678 |
| Return on Equity (ROE) | 8.4100% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.4051% | 1,452 |
| Net charge-offs to loans | 0.0058% | 1,903 |
| Credit loss provision to net charge-offs | 480.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 126.2000% | 583 |
| Efficiency ratio | 81.0778% | 1,123 |
| Assets per employee ($millions) | 6.2578% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 2,574 |
| Loan loss allowance to noncurrent loans | 953.0120% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,149 |
| Noncurrent loans to loans | 0.1200% | 3,014 |
| Net loans and leases to total assets | 62.0800% | 2,664 |
| Net loans and leases to deposits | 72.8350% | 2,691 |
| Net loans and leases to core deposits | 80.2571% | 2,709 |
| Total domestic deposits to total assets | 85.2300% | 2,347 |
| Equity capital to assets | 7.2967% | 3,768 |
| Core capital (leverage) ratio | 9.0634% | 3,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $549,549,500 | 1,660 |
| Average earning assets | $501,636,000 | 1,673 |
| Average equity | $40,309,000 | 1,940 |
| Average total loans | $346,831,000 | 1,674 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1101% | 3,784 |
| Cost of funding earning assets | 1.1351% | 2,972 |
| Net interest margin | 2.9750% | 3,342 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 3.0733% | 1,001 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | -0.0915% | 4,425 |
| Return on assets (ROA) | -0.1102% | 4,416 |
| Pretax return on assets | 0.1573% | 4,231 |
| Return on Equity (ROE) | -1.5100% | 4,405 |
| Retained earnings to average equity (ytd only) | -5.3785% | 4,400 |
| Net charge-offs to loans | 0.0272% | 1,774 |
| Credit loss provision to net charge-offs | 238.7097% | 1,106 |
| Earnings coverage of net charge-offs (x) | 12.9785% | 2,124 |
| Efficiency ratio | 90.0479% | 409 |
| Assets per employee ($millions) | 5.9610% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1316% | 2,649 |
| Loan loss allowance to noncurrent loans | 934.9169% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,037 |
| Noncurrent loans to loans | 0.1210% | 2,916 |
| Net loans and leases to total assets | 62.7100% | 2,605 |
| Net loans and leases to deposits | 73.9267% | 2,621 |
| Net loans and leases to core deposits | 79.2767% | 2,753 |
| Total domestic deposits to total assets | 84.8300% | 2,360 |
| Equity capital to assets | 7.3733% | 3,782 |
| Core capital (leverage) ratio | 8.8818% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $544,333,000 | 1,633 |
| Average earning assets | $496,333,200 | 1,649 |
| Average equity | $39,639,000 | 1,899 |
| Average total loans | $342,288,200 | 1,637 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,782 |
| Cost of funding earning assets | 1.0235% | 2,966 |
| Net interest margin | 3.0147% | 3,318 |
| Noninterest income to average assets | 0.4200% | 2,376 |
| Noninterest expense to average assets | 2.6275% | 1,860 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4192% | 3,931 |
| Return on assets (ROA) | 0.3929% | 3,975 |
| Pretax return on assets | 0.4724% | 3,951 |
| Return on Equity (ROE) | 5.4100% | 3,744 |
| Retained earnings to average equity (ytd only) | 2.1534% | 3,705 |
| Net charge-offs to loans | -0.0020% | 3,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.5863% | 885 |
| Assets per employee ($millions) | 5.5953% | 3,106 |
| Cash dividends to net income (ytd only)* | 60.2124% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,648 |
| Loan loss allowance to noncurrent loans | 903.8813% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 3,021 |
| Noncurrent loans to loans | 0.1267% | 2,919 |
| Net loans and leases to total assets | 63.6300% | 2,491 |
| Net loans and leases to deposits | 75.0392% | 2,492 |
| Net loans and leases to core deposits | 78.9285% | 2,682 |
| Total domestic deposits to total assets | 84.7900% | 2,564 |
| Equity capital to assets | 6.8369% | 3,690 |
| Core capital (leverage) ratio | 9.3041% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $543,314,000 | 1,635 |
| Average earning assets | $496,051,000 | 1,646 |
| Average equity | $39,439,750 | 1,892 |
| Average total loans | $340,901,500 | 1,638 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9010% | 3,866 |
| Cost of funding earning assets | 0.8808% | 2,989 |
| Net interest margin | 3.0202% | 3,376 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.6499% | 1,791 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3866% | 4,028 |
| Return on assets (ROA) | 0.3473% | 4,118 |
| Pretax return on assets | 0.4181% | 4,092 |
| Return on Equity (ROE) | 4.6900% | 3,926 |
| Retained earnings to average equity (ytd only) | -0.0843% | 4,112 |
| Net charge-offs to loans | -0.0018% | 3,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 80.2708% | 822 |
| Assets per employee ($millions) | 5.4568% | 3,186 |
| Cash dividends to net income (ytd only)* | 101.7951% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 2,708 |
| Loan loss allowance to noncurrent loans | 893.2280% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 2,942 |
| Noncurrent loans to loans | 0.1288% | 2,832 |
| Net loans and leases to total assets | 62.3200% | 2,548 |
| Net loans and leases to deposits | 73.5276% | 2,541 |
| Net loans and leases to core deposits | 76.8763% | 2,698 |
| Total domestic deposits to total assets | 84.7600% | 2,607 |
| Equity capital to assets | 7.4040% | 3,577 |
| Core capital (leverage) ratio | 9.2887% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $545,370,333 | 1,620 |
| Average earning assets | $498,437,333 | 1,639 |
| Average equity | $40,345,000 | 1,869 |
| Average total loans | $339,293,667 | 1,631 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 3,855 |
| Cost of funding earning assets | 0.7181% | 2,994 |
| Net interest margin | 3.0817% | 3,392 |
| Noninterest income to average assets | 0.4000% | 2,397 |
| Noninterest expense to average assets | 2.6994% | 1,676 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.3708% | 4,133 |
| Return on assets (ROA) | 0.2847% | 4,231 |
| Pretax return on assets | 0.3133% | 4,252 |
| Return on Equity (ROE) | 3.8500% | 4,060 |
| Retained earnings to average equity (ytd only) | 3.8495% | 3,311 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 80.6481% | 782 |
| Assets per employee ($millions) | 5.2200% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,544 |
| Loan loss allowance to noncurrent loans | 483.2740% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.1576% | 2,401 |
| Noncurrent loans to loans | 0.2486% | 2,258 |
| Net loans and leases to total assets | 61.1300% | 2,545 |
| Net loans and leases to deposits | 69.7658% | 2,633 |
| Net loans and leases to core deposits | 72.4470% | 2,786 |
| Total domestic deposits to total assets | 87.6200% | 2,054 |
| Equity capital to assets | 7.5989% | 3,508 |
| Core capital (leverage) ratio | 9.3716% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $545,155,000 | 1,642 |
| Average earning assets | $498,563,500 | 1,656 |
| Average equity | $40,316,500 | 1,887 |
| Average total loans | $336,917,000 | 1,660 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4146% | 3,307 |
| Cost of funding earning assets | 0.2261% | 3,544 |
| Net interest margin | 3.1886% | 2,903 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.6494% | 1,680 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.5366% | 4,023 |
| Return on assets (ROA) | 0.5325% | 3,986 |
| Pretax return on assets | 0.6475% | 3,949 |
| Return on Equity (ROE) | 6.4900% | 3,729 |
| Retained earnings to average equity (ytd only) | 1.3703% | 4,128 |
| Net charge-offs to loans | -0.0686% | 4,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.1488% | 991 |
| Assets per employee ($millions) | 5.1152% | 3,582 |
| Cash dividends to net income (ytd only)* | 78.8952% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,518 |
| Loan loss allowance to noncurrent loans | 2,380.0000% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0343% | 3,461 |
| Noncurrent loans to loans | 0.0493% | 3,405 |
| Net loans and leases to total assets | 61.0100% | 2,553 |
| Net loans and leases to deposits | 67.7814% | 2,743 |
| Net loans and leases to core deposits | 69.5298% | 2,914 |
| Total domestic deposits to total assets | 90.0100% | 1,360 |
| Equity capital to assets | 7.1897% | 3,560 |
| Core capital (leverage) ratio | 9.2467% | 3,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $530,375,800 | 1,658 |
| Average earning assets | $486,583,000 | 1,664 |
| Average equity | $43,492,800 | 1,804 |
| Average total loans | $307,371,000 | 1,692 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3034% | 3,168 |
| Cost of funding earning assets | 0.1544% | 3,806 |
| Net interest margin | 3.1490% | 2,780 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.6195% | 1,668 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5309% | 4,011 |
| Return on assets (ROA) | 0.5253% | 3,966 |
| Pretax return on assets | 0.6381% | 3,920 |
| Return on Equity (ROE) | 6.2100% | 3,755 |
| Retained earnings to average equity (ytd only) | 3.1525% | 3,736 |
| Net charge-offs to loans | -0.0657% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.0883% | 1,070 |
| Assets per employee ($millions) | 4.9981% | 3,676 |
| Cash dividends to net income (ytd only)* | 49.2300% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,589 |
| Loan loss allowance to noncurrent loans | 2,246.4706% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,599 |
| Noncurrent loans to loans | 0.0529% | 3,497 |
| Net loans and leases to total assets | 59.9400% | 2,511 |
| Net loans and leases to deposits | 65.4017% | 2,760 |
| Net loans and leases to core deposits | 66.8783% | 2,887 |
| Total domestic deposits to total assets | 91.6500% | 992 |
| Equity capital to assets | 6.9972% | 3,523 |
| Core capital (leverage) ratio | 9.4401% | 3,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $527,418,000 | 1,682 |
| Average earning assets | $484,544,500 | 1,674 |
| Average equity | $44,620,250 | 1,786 |
| Average total loans | $300,535,500 | 1,710 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2012% | 3,045 |
| Cost of funding earning assets | 0.1086% | 4,096 |
| Net interest margin | 3.0925% | 2,557 |
| Noninterest income to average assets | 0.3972% | 2,776 |
| Noninterest expense to average assets | 2.5662% | 1,736 |
| Loan and lease loss provision to assets | 0.0342% | 1,965 |
| Net operating income to assets | 0.5268% | 3,827 |
| Return on assets (ROA) | 0.5184% | 3,801 |
| Pretax return on assets | 0.6297% | 3,751 |
| Return on Equity (ROE) | 5.7917% | 3,634 |
| Retained earnings to average equity (ytd only) | 1.4511% | 3,887 |
| Net charge-offs to loans | -0.1076% | 4,467 |
| Credit loss provision to net charge-offs | -56.9620% | 3,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8087% | 1,309 |
| Assets per employee ($millions) | 4.9084% | 3,751 |
| Cash dividends to net income (ytd only)* | 74.9451% | 707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 2,559 |
| Loan loss allowance to noncurrent loans | 2,539.5973% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 3,697 |
| Noncurrent loans to loans | 0.0483% | 3,587 |
| Net loans and leases to total assets | 58.0434% | 2,532 |
| Net loans and leases to deposits | 63.3835% | 2,776 |
| Net loans and leases to core deposits | 64.1445% | 2,955 |
| Total domestic deposits to total assets | 91.5749% | 1,009 |
| Equity capital to assets | 7.7530% | 3,303 |
| Core capital (leverage) ratio | 9.3795% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $526,624,667 | 1,685 |
| Average earning assets | $484,132,000 | 1,691 |
| Average equity | $47,136,667 | 1,758 |
| Average total loans | $293,584,667 | 1,735 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1824% | 2,740 |
| Cost of funding earning assets | 0.1037% | 4,085 |
| Net interest margin | 3.0787% | 2,239 |
| Noninterest income to average assets | 0.4399% | 2,444 |
| Noninterest expense to average assets | 2.5130% | 1,855 |
| Loan and lease loss provision to assets | 0.0341% | 1,749 |
| Net operating income to assets | 0.5924% | 3,418 |
| Return on assets (ROA) | 0.5924% | 3,398 |
| Pretax return on assets | 0.7289% | 3,308 |
| Return on Equity (ROE) | 6.2051% | 3,289 |
| Retained earnings to average equity (ytd only) | 6.2051% | 2,178 |
| Net charge-offs to loans | 0.0070% | 1,498 |
| Credit loss provision to net charge-offs | 900.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 201.2000% | 428 |
| Efficiency ratio | 73.3503% | 1,816 |
| Assets per employee ($millions) | 5.1331% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,635 |
| Loan loss allowance to noncurrent loans | 83.7863% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 684 |
| Noncurrent loans to loans | 1.4838% | 562 |
| Net loans and leases to total assets | 53.7264% | 2,796 |
| Net loans and leases to deposits | 58.9749% | 2,987 |
| Net loans and leases to core deposits | 59.8389% | 3,162 |
| Total domestic deposits to total assets | 91.1006% | 984 |
| Equity capital to assets | 8.7617% | 2,919 |
| Core capital (leverage) ratio | 9.6636% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $527,335,000 | 1,691 |
| Average earning assets | $485,794,000 | 1,696 |
| Average equity | $50,345,500 | 1,735 |
| Average total loans | $286,062,000 | 1,763 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5393% | 2,545 |
| Cost of funding earning assets | 0.1550% | 3,914 |
| Net interest margin | 3.3843% | 2,079 |
| Noninterest income to average assets | 0.4897% | 2,624 |
| Noninterest expense to average assets | 2.5691% | 1,957 |
| Loan and lease loss provision to assets | 0.0419% | 2,214 |
| Net operating income to assets | 0.8110% | 3,302 |
| Return on assets (ROA) | 0.8218% | 3,339 |
| Pretax return on assets | 1.0286% | 3,183 |
| Return on Equity (ROE) | 7.6857% | 3,323 |
| Retained earnings to average equity (ytd only) | 3.4399% | 3,437 |
| Net charge-offs to loans | 0.1608% | 598 |
| Credit loss provision to net charge-offs | 45.4737% | 2,163 |
| Earnings coverage of net charge-offs (x) | 11.4632% | 2,152 |
| Efficiency ratio | 67.7587% | 2,020 |
| Assets per employee ($millions) | 5.1565% | 3,593 |
| Cash dividends to net income (ytd only)* | 55.2433% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 2,659 |
| Loan loss allowance to noncurrent loans | 64.6672% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 518 |
| Noncurrent loans to loans | 1.9220% | 413 |
| Net loans and leases to total assets | 53.4175% | 2,917 |
| Net loans and leases to deposits | 59.8009% | 3,096 |
| Net loans and leases to core deposits | 60.6961% | 3,266 |
| Total domestic deposits to total assets | 89.3257% | 1,344 |
| Equity capital to assets | 10.3367% | 2,331 |
| Core capital (leverage) ratio | 9.5807% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $515,190,200 | 1,662 |
| Average earning assets | $477,434,400 | 1,667 |
| Average equity | $55,089,200 | 1,631 |
| Average total loans | $295,392,600 | 1,724 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 2,446 |
| Cost of funding earning assets | 0.1683% | 3,939 |
| Net interest margin | 3.4735% | 1,948 |
| Noninterest income to average assets | 0.5149% | 2,560 |
| Noninterest expense to average assets | 2.5925% | 1,862 |
| Loan and lease loss provision to assets | 0.0421% | 2,152 |
| Net operating income to assets | 0.8786% | 3,309 |
| Return on assets (ROA) | 0.8931% | 3,341 |
| Pretax return on assets | 1.1197% | 3,157 |
| Return on Equity (ROE) | 8.2816% | 3,322 |
| Retained earnings to average equity (ytd only) | 5.4254% | 3,063 |
| Net charge-offs to loans | -0.0586% | 4,418 |
| Credit loss provision to net charge-offs | -123.6641% | 3,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3672% | 2,051 |
| Assets per employee ($millions) | 4.8098% | 3,881 |
| Cash dividends to net income (ytd only)* | 34.4888% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4212% | 1,936 |
| Loan loss allowance to noncurrent loans | 67.0494% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1737% | 512 |
| Noncurrent loans to loans | 2.1196% | 400 |
| Net loans and leases to total assets | 54.5875% | 2,896 |
| Net loans and leases to deposits | 61.3915% | 3,103 |
| Net loans and leases to core deposits | 62.4184% | 3,273 |
| Total domestic deposits to total assets | 88.9171% | 1,330 |
| Equity capital to assets | 10.6600% | 2,307 |
| Core capital (leverage) ratio | 9.7713% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $512,497,250 | 1,688 |
| Average earning assets | $475,277,000 | 1,688 |
| Average equity | $55,269,750 | 1,646 |
| Average total loans | $298,117,750 | 1,745 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 2,372 |
| Cost of funding earning assets | 0.1849% | 3,899 |
| Net interest margin | 3.5023% | 1,852 |
| Noninterest income to average assets | 0.5606% | 2,371 |
| Noninterest expense to average assets | 2.5916% | 1,880 |
| Loan and lease loss provision to assets | 0.0423% | 2,165 |
| Net operating income to assets | 0.9394% | 3,096 |
| Return on assets (ROA) | 0.9652% | 3,099 |
| Pretax return on assets | 1.2031% | 2,905 |
| Return on Equity (ROE) | 8.9146% | 3,122 |
| Retained earnings to average equity (ytd only) | 4.6275% | 3,320 |
| Net charge-offs to loans | -0.1048% | 4,639 |
| Credit loss provision to net charge-offs | -68.3544% | 3,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1350% | 2,279 |
| Assets per employee ($millions) | 4.6892% | 3,941 |
| Cash dividends to net income (ytd only)* | 48.0910% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 2,241 |
| Loan loss allowance to noncurrent loans | 64.4399% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.2218% | 551 |
| Noncurrent loans to loans | 2.0803% | 455 |
| Net loans and leases to total assets | 57.9419% | 2,676 |
| Net loans and leases to deposits | 65.3134% | 2,879 |
| Net loans and leases to core deposits | 66.4716% | 3,078 |
| Total domestic deposits to total assets | 88.7136% | 1,441 |
| Equity capital to assets | 10.7300% | 2,203 |
| Core capital (leverage) ratio | 9.6986% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $510,177,667 | 1,674 |
| Average earning assets | $472,608,000 | 1,691 |
| Average equity | $55,235,000 | 1,637 |
| Average total loans | $301,608,333 | 1,737 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 2,417 |
| Cost of funding earning assets | 0.2121% | 3,804 |
| Net interest margin | 3.4665% | 1,915 |
| Noninterest income to average assets | 0.7222% | 1,797 |
| Noninterest expense to average assets | 2.5355% | 2,072 |
| Loan and lease loss provision to assets | 0.0426% | 2,212 |
| Net operating income to assets | 1.0947% | 2,496 |
| Return on assets (ROA) | 1.1471% | 2,409 |
| Pretax return on assets | 1.4175% | 2,234 |
| Return on Equity (ROE) | 10.5474% | 2,516 |
| Retained earnings to average equity (ytd only) | 8.8076% | 2,017 |
| Net charge-offs to loans | -0.0080% | 3,578 |
| Credit loss provision to net charge-offs | -900.0000% | 3,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5925% | 2,824 |
| Assets per employee ($millions) | 5.0455% | 3,607 |
| Cash dividends to net income (ytd only)* | 16.4948% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 2,414 |
| Loan loss allowance to noncurrent loans | 78.5292% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 869 |
| Noncurrent loans to loans | 1.6628% | 726 |
| Net loans and leases to total assets | 57.1763% | 2,885 |
| Net loans and leases to deposits | 64.4464% | 3,086 |
| Net loans and leases to core deposits | 65.6395% | 3,273 |
| Total domestic deposits to total assets | 88.7192% | 1,489 |
| Equity capital to assets | 10.7349% | 2,050 |
| Core capital (leverage) ratio | 9.8659% | 2,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $507,362,500 | 1,671 |
| Average earning assets | $469,641,500 | 1,685 |
| Average equity | $55,179,500 | 1,629 |
| Average total loans | $300,947,500 | 1,742 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,061 |
| Cost of funding earning assets | 0.3495% | 3,873 |
| Net interest margin | 3.8796% | 1,276 |
| Noninterest income to average assets | 0.4298% | 2,963 |
| Noninterest expense to average assets | 2.7002% | 2,238 |
| Loan and lease loss provision to assets | 0.1252% | 2,796 |
| Net operating income to assets | 0.9032% | 2,679 |
| Return on assets (ROA) | 0.9159% | 2,761 |
| Pretax return on assets | 1.1912% | 2,353 |
| Return on Equity (ROE) | 8.1584% | 2,754 |
| Retained earnings to average equity (ytd only) | 4.2186% | 2,702 |
| Net charge-offs to loans | 0.0419% | 2,222 |
| Credit loss provision to net charge-offs | 472.4409% | 1,304 |
| Earnings coverage of net charge-offs (x) | 49.0551% | 1,219 |
| Efficiency ratio | 64.4754% | 2,744 |
| Assets per employee ($millions) | 5.0012% | 3,392 |
| Cash dividends to net income (ytd only)* | 48.2908% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2375% | 2,761 |
| Loan loss allowance to noncurrent loans | 243.7380% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 2,763 |
| Noncurrent loans to loans | 0.5077% | 2,449 |
| Net loans and leases to total assets | 59.9603% | 2,868 |
| Net loans and leases to deposits | 67.9326% | 3,085 |
| Net loans and leases to core deposits | 69.3157% | 3,306 |
| Total domestic deposits to total assets | 88.2643% | 1,343 |
| Equity capital to assets | 11.0178% | 2,238 |
| Core capital (leverage) ratio | 9.6352% | 2,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,111,600 | 1,616 |
| Average earning assets | $440,969,200 | 1,622 |
| Average equity | $53,785,200 | 1,584 |
| Average total loans | $303,050,000 | 1,671 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,054 |
| Cost of funding earning assets | 0.3849% | 3,896 |
| Net interest margin | 3.9291% | 1,282 |
| Noninterest income to average assets | 0.4345% | 2,912 |
| Noninterest expense to average assets | 2.7001% | 2,250 |
| Loan and lease loss provision to assets | 0.0762% | 3,368 |
| Net operating income to assets | 0.9742% | 2,435 |
| Return on assets (ROA) | 0.9914% | 2,503 |
| Pretax return on assets | 1.2969% | 2,061 |
| Return on Equity (ROE) | 8.7873% | 2,480 |
| Retained earnings to average equity (ytd only) | 5.6415% | 2,266 |
| Net charge-offs to loans | 0.0234% | 2,379 |
| Credit loss provision to net charge-offs | 509.4340% | 1,269 |
| Earnings coverage of net charge-offs (x) | 90.3774% | 846 |
| Efficiency ratio | 63.6167% | 2,799 |
| Assets per employee ($millions) | 4.9459% | 3,319 |
| Cash dividends to net income (ytd only)* | 35.7997% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,028 |
| Loan loss allowance to noncurrent loans | 175.2848% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 2,535 |
| Noncurrent loans to loans | 0.6454% | 2,175 |
| Net loans and leases to total assets | 62.5351% | 2,941 |
| Net loans and leases to deposits | 71.7627% | 3,151 |
| Net loans and leases to core deposits | 73.4738% | 3,359 |
| Total domestic deposits to total assets | 87.1416% | 1,610 |
| Equity capital to assets | 11.2344% | 2,201 |
| Core capital (leverage) ratio | 9.7152% | 3,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $472,608,000 | 1,609 |
| Average earning assets | $435,068,250 | 1,625 |
| Average equity | $53,318,000 | 1,585 |
| Average total loans | $302,145,000 | 1,672 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 2,155 |
| Cost of funding earning assets | 0.4548% | 3,770 |
| Net interest margin | 3.9665% | 1,408 |
| Noninterest income to average assets | 0.4346% | 2,881 |
| Noninterest expense to average assets | 2.7459% | 2,234 |
| Loan and lease loss provision to assets | 0.0516% | 3,661 |
| Net operating income to assets | 0.9732% | 2,412 |
| Return on assets (ROA) | 0.9994% | 2,451 |
| Pretax return on assets | 1.3102% | 1,994 |
| Return on Equity (ROE) | 8.8455% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.9725% | 2,488 |
| Net charge-offs to loans | 0.0141% | 2,473 |
| Credit loss provision to net charge-offs | 571.4286% | 1,140 |
| Earnings coverage of net charge-offs (x) | 147.1905% | 542 |
| Efficiency ratio | 64.3317% | 2,776 |
| Assets per employee ($millions) | 4.9707% | 3,206 |
| Cash dividends to net income (ytd only)* | 43.7849% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,072 |
| Loan loss allowance to noncurrent loans | 170.0795% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 2,642 |
| Noncurrent loans to loans | 0.6460% | 2,251 |
| Net loans and leases to total assets | 63.2322% | 2,973 |
| Net loans and leases to deposits | 72.6046% | 3,204 |
| Net loans and leases to core deposits | 74.3768% | 3,429 |
| Total domestic deposits to total assets | 87.0912% | 1,578 |
| Equity capital to assets | 11.1586% | 2,203 |
| Core capital (leverage) ratio | 9.8781% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $465,282,000 | 1,605 |
| Average earning assets | $426,976,667 | 1,627 |
| Average equity | $52,569,333 | 1,590 |
| Average total loans | $298,583,667 | 1,669 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 2,788 |
| Cost of funding earning assets | 0.5654% | 3,615 |
| Net interest margin | 3.7783% | 2,057 |
| Noninterest income to average assets | 0.4886% | 2,610 |
| Noninterest expense to average assets | 2.8620% | 2,234 |
| Loan and lease loss provision to assets | 0.0528% | 3,114 |
| Net operating income to assets | 0.7985% | 2,914 |
| Return on assets (ROA) | 0.7985% | 3,005 |
| Pretax return on assets | 1.0327% | 2,727 |
| Return on Equity (ROE) | 7.0207% | 2,940 |
| Retained earnings to average equity (ytd only) | 5.1552% | 2,210 |
| Net charge-offs to loans | -0.0164% | 4,261 |
| Credit loss provision to net charge-offs | -500.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2685% | 2,469 |
| Assets per employee ($millions) | 5.1458% | 2,482 |
| Cash dividends to net income (ytd only)* | 26.5711% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,856 |
| Loan loss allowance to noncurrent loans | 168.5204% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 2,671 |
| Noncurrent loans to loans | 0.6911% | 2,269 |
| Net loans and leases to total assets | 64.3370% | 3,023 |
| Net loans and leases to deposits | 73.4627% | 3,326 |
| Net loans and leases to core deposits | 76.7087% | 3,449 |
| Total domestic deposits to total assets | 87.5778% | 1,288 |
| Equity capital to assets | 11.7170% | 2,272 |
| Core capital (leverage) ratio | 10.1444% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,361,000 | 1,593 |
| Average earning assets | $415,957,000 | 1,614 |
| Average equity | $51,676,000 | 1,609 |
| Average total loans | $292,155,000 | 1,671 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 4,183 |
| Cost of funding earning assets | 0.7611% | 2,866 |
| Net interest margin | 3.2711% | 4,045 |
| Noninterest income to average assets | 0.4879% | 2,814 |
| Noninterest expense to average assets | 2.3714% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8789% | 3,289 |
| Return on assets (ROA) | 0.8743% | 3,390 |
| Pretax return on assets | 1.1466% | 3,021 |
| Return on Equity (ROE) | 7.1391% | 3,504 |
| Retained earnings to average equity (ytd only) | -23.3490% | 5,146 |
| Net charge-offs to loans | -0.0336% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2316% | 2,736 |
| Assets per employee ($millions) | 4.9975% | 2,602 |
| Cash dividends to net income (ytd only)* | 427.0575% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 560 |
| Loan loss allowance to noncurrent loans | 159.6448% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 1,902 |
| Noncurrent loans to loans | 1.1870% | 1,275 |
| Net loans and leases to total assets | 55.8711% | 3,929 |
| Net loans and leases to deposits | 65.9016% | 3,961 |
| Net loans and leases to core deposits | 69.4193% | 3,996 |
| Total domestic deposits to total assets | 84.7797% | 2,582 |
| Equity capital to assets | 10.9462% | 3,056 |
| Core capital (leverage) ratio | 10.4841% | 2,964 |
| Tier 1 risk-based capital ratio | 14.7434% | 2,889 |
| Total risk-based capital ratio | 15.9971% | 2,812 |
| Memoranda: | ||
| Average total assets | $304,372,800 | 2,137 |
| Average earning assets | $282,500,800 | 2,127 |
| Average equity | $37,273,600 | 2,043 |
| Average total loans | $163,875,800 | 2,470 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 4,360 |
| Cost of funding earning assets | 0.7711% | 2,861 |
| Net interest margin | 3.2282% | 4,235 |
| Noninterest income to average assets | 0.4836% | 2,836 |
| Noninterest expense to average assets | 2.3938% | 3,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8302% | 3,575 |
| Return on assets (ROA) | 0.8240% | 3,679 |
| Pretax return on assets | 1.0802% | 3,349 |
| Return on Equity (ROE) | 6.5577% | 3,854 |
| Retained earnings to average equity (ytd only) | -32.9170% | 5,232 |
| Net charge-offs to loans | -0.0304% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6861% | 2,472 |
| Assets per employee ($millions) | 5.1446% | 2,404 |
| Cash dividends to net income (ytd only)* | 601.9597% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9861% | 481 |
| Loan loss allowance to noncurrent loans | 132.7558% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 1,724 |
| Noncurrent loans to loans | 1.4961% | 1,012 |
| Net loans and leases to total assets | 52.3195% | 4,299 |
| Net loans and leases to deposits | 61.4030% | 4,319 |
| Net loans and leases to core deposits | 66.4066% | 4,251 |
| Total domestic deposits to total assets | 85.2068% | 2,346 |
| Equity capital to assets | 10.6585% | 3,413 |
| Core capital (leverage) ratio | 9.9402% | 3,693 |
| Tier 1 risk-based capital ratio | 14.8073% | 2,948 |
| Total risk-based capital ratio | 16.0616% | 2,873 |
| Memoranda: | ||
| Average total assets | $305,503,750 | 2,149 |
| Average earning assets | $283,746,250 | 2,142 |
| Average equity | $38,386,500 | 2,011 |
| Average total loans | $162,153,500 | 2,513 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9463% | 4,488 |
| Cost of funding earning assets | 0.7797% | 2,749 |
| Net interest margin | 3.1666% | 4,425 |
| Noninterest income to average assets | 0.4991% | 2,689 |
| Noninterest expense to average assets | 2.4183% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7814% | 3,717 |
| Return on assets (ROA) | 0.7721% | 3,809 |
| Pretax return on assets | 1.0112% | 3,504 |
| Return on Equity (ROE) | 5.8518% | 4,095 |
| Retained earnings to average equity (ytd only) | 4.0448% | 3,222 |
| Net charge-offs to loans | -0.0271% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1913% | 2,350 |
| Assets per employee ($millions) | 5.4594% | 2,000 |
| Cash dividends to net income (ytd only)* | 30.8799% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9802% | 491 |
| Loan loss allowance to noncurrent loans | 123.7635% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 1,638 |
| Noncurrent loans to loans | 1.6000% | 960 |
| Net loans and leases to total assets | 51.8603% | 4,361 |
| Net loans and leases to deposits | 60.8372% | 4,388 |
| Net loans and leases to core deposits | 66.4242% | 4,295 |
| Total domestic deposits to total assets | 85.2444% | 2,365 |
| Equity capital to assets | 13.7239% | 1,231 |
| Core capital (leverage) ratio | 13.4068% | 1,150 |
| Tier 1 risk-based capital ratio | 19.8314% | 1,384 |
| Total risk-based capital ratio | 21.0855% | 1,350 |
| Memoranda: | ||
| Average total assets | $306,161,330 | 2,151 |
| Average earning assets | $284,472,000 | 2,139 |
| Average equity | $40,398,000 | 1,915 |
| Average total loans | $162,196,670 | 2,512 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 4,442 |
| Cost of funding earning assets | 0.7900% | 2,593 |
| Net interest margin | 3.1756% | 4,439 |
| Noninterest income to average assets | 0.4896% | 2,617 |
| Noninterest expense to average assets | 2.4127% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7798% | 3,686 |
| Return on assets (ROA) | 0.7860% | 3,715 |
| Pretax return on assets | 1.0288% | 3,352 |
| Return on Equity (ROE) | 6.0780% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.0780% | 2,429 |
| Net charge-offs to loans | -0.0296% | 4,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2015% | 2,473 |
| Assets per employee ($millions) | 5.5099% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 567 |
| Loan loss allowance to noncurrent loans | 124.3769% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8573% | 1,656 |
| Noncurrent loans to loans | 1.5511% | 1,035 |
| Net loans and leases to total assets | 53.5787% | 4,230 |
| Net loans and leases to deposits | 64.4793% | 4,154 |
| Net loans and leases to core deposits | 69.7359% | 4,091 |
| Total domestic deposits to total assets | 83.0944% | 3,350 |
| Equity capital to assets | 13.4189% | 1,241 |
| Core capital (leverage) ratio | 12.9919% | 1,277 |
| Tier 1 risk-based capital ratio | 19.5338% | 1,431 |
| Total risk-based capital ratio | 20.7875% | 1,406 |
| Memoranda: | ||
| Average total assets | $306,377,500 | 2,161 |
| Average earning assets | $284,037,000 | 2,149 |
| Average equity | $39,618,000 | 1,935 |
| Average total loans | $162,417,500 | 2,538 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 4,541 |
| Cost of funding earning assets | 0.6136% | 2,630 |
| Net interest margin | 3.1636% | 4,551 |
| Noninterest income to average assets | 0.4816% | 2,937 |
| Noninterest expense to average assets | 2.4632% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7060% | 4,124 |
| Return on assets (ROA) | 0.6945% | 4,154 |
| Pretax return on assets | 0.9134% | 3,858 |
| Return on Equity (ROE) | 5.5838% | 4,298 |
| Retained earnings to average equity (ytd only) | 3.6545% | 3,567 |
| Net charge-offs to loans | -0.0356% | 4,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4716% | 1,972 |
| Assets per employee ($millions) | 5.6311% | 1,834 |
| Cash dividends to net income (ytd only)* | 34.5515% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 473 |
| Loan loss allowance to noncurrent loans | 111.5749% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9234% | 1,493 |
| Noncurrent loans to loans | 1.7900% | 798 |
| Net loans and leases to total assets | 50.3996% | 4,492 |
| Net loans and leases to deposits | 60.2649% | 4,463 |
| Net loans and leases to core deposits | 65.1331% | 4,398 |
| Total domestic deposits to total assets | 83.6300% | 3,113 |
| Equity capital to assets | 12.4538% | 1,603 |
| Core capital (leverage) ratio | 12.7101% | 1,368 |
| Tier 1 risk-based capital ratio | 19.5411% | 1,393 |
| Total risk-based capital ratio | 20.7945% | 1,364 |
| Memoranda: | ||
| Average total assets | $303,385,400 | 2,138 |
| Average earning assets | $279,018,800 | 2,140 |
| Average equity | $37,734,200 | 1,952 |
| Average total loans | $148,678,000 | 2,661 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,594 |
| Cost of funding earning assets | 0.5729% | 2,681 |
| Net interest margin | 3.1561% | 4,604 |
| Noninterest income to average assets | 0.4780% | 2,998 |
| Noninterest expense to average assets | 2.4625% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6978% | 4,228 |
| Return on assets (ROA) | 0.6923% | 4,257 |
| Pretax return on assets | 0.9118% | 3,981 |
| Return on Equity (ROE) | 5.5677% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.4023% | 3,554 |
| Net charge-offs to loans | -0.0356% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6357% | 1,948 |
| Assets per employee ($millions) | 5.5273% | 1,889 |
| Cash dividends to net income (ytd only)* | 20.9316% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0748% | 425 |
| Loan loss allowance to noncurrent loans | 138.2802% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 1,958 |
| Noncurrent loans to loans | 1.5004% | 1,088 |
| Net loans and leases to total assets | 49.1857% | 4,650 |
| Net loans and leases to deposits | 59.7914% | 4,561 |
| Net loans and leases to core deposits | 64.2727% | 4,502 |
| Total domestic deposits to total assets | 82.2621% | 3,540 |
| Equity capital to assets | 12.2875% | 1,708 |
| Core capital (leverage) ratio | 12.6970% | 1,419 |
| Tier 1 risk-based capital ratio | 20.0614% | 1,326 |
| Total risk-based capital ratio | 21.3161% | 1,289 |
| Memoranda: | ||
| Average total assets | $301,803,500 | 2,153 |
| Average earning assets | $277,636,000 | 2,161 |
| Average equity | $37,525,000 | 1,967 |
| Average total loans | $146,028,750 | 2,706 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 4,641 |
| Cost of funding earning assets | 0.5249% | 2,801 |
| Net interest margin | 3.1488% | 4,619 |
| Noninterest income to average assets | 0.4504% | 3,148 |
| Noninterest expense to average assets | 2.4692% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6670% | 4,295 |
| Return on assets (ROA) | 0.6670% | 4,301 |
| Pretax return on assets | 0.8742% | 4,041 |
| Return on Equity (ROE) | 5.3430% | 4,450 |
| Retained earnings to average equity (ytd only) | 3.5975% | 3,797 |
| Net charge-offs to loans | -0.0348% | 4,794 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6008% | 1,901 |
| Assets per employee ($millions) | 5.4069% | 1,987 |
| Cash dividends to net income (ytd only)* | 32.6693% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 435 |
| Loan loss allowance to noncurrent loans | 293.9422% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.3587% | 3,307 |
| Noncurrent loans to loans | 0.7189% | 2,315 |
| Net loans and leases to total assets | 48.2544% | 4,709 |
| Net loans and leases to deposits | 58.6338% | 4,604 |
| Net loans and leases to core deposits | 60.5779% | 4,676 |
| Total domestic deposits to total assets | 82.2979% | 3,630 |
| Equity capital to assets | 12.3261% | 1,648 |
| Core capital (leverage) ratio | 12.8035% | 1,311 |
| Tier 1 risk-based capital ratio | 20.0003% | 1,319 |
| Total risk-based capital ratio | 21.2554% | 1,292 |
| Memoranda: | ||
| Average total assets | $301,071,670 | 2,163 |
| Average earning assets | $276,613,330 | 2,178 |
| Average equity | $37,582,000 | 1,962 |
| Average total loans | $143,807,670 | 2,750 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5174% | 4,851 |
| Cost of funding earning assets | 0.4950% | 2,836 |
| Net interest margin | 3.0224% | 4,847 |
| Noninterest income to average assets | 0.4557% | 3,076 |
| Noninterest expense to average assets | 2.5089% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5556% | 4,557 |
| Return on assets (ROA) | 0.5556% | 4,559 |
| Pretax return on assets | 0.7128% | 4,406 |
| Return on Equity (ROE) | 4.4230% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.4230% | 3,424 |
| Net charge-offs to loans | -0.0369% | 4,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5509% | 1,513 |
| Assets per employee ($millions) | 5.3946% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2488% | 356 |
| Loan loss allowance to noncurrent loans | 134.4031% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.7927% | 1,990 |
| Noncurrent loans to loans | 1.6732% | 1,025 |
| Net loans and leases to total assets | 46.0167% | 4,792 |
| Net loans and leases to deposits | 55.4255% | 4,722 |
| Net loans and leases to core deposits | 57.1639% | 4,788 |
| Total domestic deposits to total assets | 83.0244% | 3,657 |
| Equity capital to assets | 12.5755% | 1,439 |
| Core capital (leverage) ratio | 12.6339% | 1,326 |
| Tier 1 risk-based capital ratio | 20.4835% | 1,267 |
| Total risk-based capital ratio | 21.7399% | 1,247 |
| Memoranda: | ||
| Average total assets | $300,213,000 | 2,193 |
| Average earning assets | $274,749,500 | 2,212 |
| Average equity | $37,712,000 | 1,967 |
| Average total loans | $141,080,000 | 2,801 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,639 |
| Cost of funding earning assets | 0.4114% | 3,144 |
| Net interest margin | 3.1576% | 4,552 |
| Noninterest income to average assets | 0.5663% | 2,618 |
| Noninterest expense to average assets | 2.4443% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6849% | 3,661 |
| Return on assets (ROA) | 0.7092% | 3,617 |
| Pretax return on assets | 1.0326% | 3,448 |
| Return on Equity (ROE) | 5.5950% | 3,923 |
| Retained earnings to average equity (ytd only) | 3.8664% | 2,890 |
| Net charge-offs to loans | -0.0415% | 5,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8610% | 2,579 |
| Assets per employee ($millions) | 5.5222% | 1,907 |
| Cash dividends to net income (ytd only)* | 30.8962% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1953% | 374 |
| Loan loss allowance to noncurrent loans | 160.1639% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 2,379 |
| Noncurrent loans to loans | 1.3707% | 1,266 |
| Net loans and leases to total assets | 45.8833% | 4,898 |
| Net loans and leases to deposits | 54.2091% | 4,881 |
| Net loans and leases to core deposits | 56.1486% | 4,933 |
| Total domestic deposits to total assets | 84.6413% | 2,978 |
| Equity capital to assets | 12.5483% | 1,486 |
| Core capital (leverage) ratio | 12.3140% | 1,437 |
| Tier 1 risk-based capital ratio | 19.6449% | 1,392 |
| Total risk-based capital ratio | 20.9021% | 1,358 |
| Memoranda: | ||
| Average total assets | $298,940,400 | 2,173 |
| Average earning assets | $272,234,400 | 2,195 |
| Average equity | $37,890,800 | 1,936 |
| Average total loans | $139,657,200 | 2,787 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5656% | 4,646 |
| Cost of funding earning assets | 0.4106% | 3,080 |
| Net interest margin | 3.1549% | 4,565 |
| Noninterest income to average assets | 0.6041% | 2,458 |
| Noninterest expense to average assets | 2.4499% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6895% | 4,029 |
| Return on assets (ROA) | 0.7210% | 3,926 |
| Pretax return on assets | 1.0774% | 3,392 |
| Return on Equity (ROE) | 5.6735% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.6481% | 3,116 |
| Net charge-offs to loans | -0.0441% | 5,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2872% | 2,654 |
| Assets per employee ($millions) | 5.3880% | 2,028 |
| Cash dividends to net income (ytd only)* | 18.0745% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1897% | 417 |
| Loan loss allowance to noncurrent loans | 150.0963% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 1,845 |
| Noncurrent loans to loans | 1.4589% | 1,281 |
| Net loans and leases to total assets | 46.9680% | 4,887 |
| Net loans and leases to deposits | 55.9221% | 4,878 |
| Net loans and leases to core deposits | 58.1098% | 4,911 |
| Total domestic deposits to total assets | 83.9882% | 3,129 |
| Equity capital to assets | 13.0436% | 1,365 |
| Core capital (leverage) ratio | 12.2989% | 1,513 |
| Tier 1 risk-based capital ratio | 19.7669% | 1,419 |
| Total risk-based capital ratio | 21.0243% | 1,375 |
| Memoranda: | ||
| Average total assets | $297,744,750 | 2,196 |
| Average earning assets | $271,440,750 | 2,216 |
| Average equity | $37,835,500 | 1,953 |
| Average total loans | $138,950,000 | 2,814 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 4,738 |
| Cost of funding earning assets | 0.4071% | 3,004 |
| Net interest margin | 3.1042% | 4,669 |
| Noninterest income to average assets | 0.5560% | 2,681 |
| Noninterest expense to average assets | 2.4164% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6635% | 4,008 |
| Return on assets (ROA) | 0.6894% | 3,957 |
| Pretax return on assets | 1.0000% | 3,568 |
| Return on Equity (ROE) | 5.4735% | 4,282 |
| Retained earnings to average equity (ytd only) | 3.9241% | 3,359 |
| Net charge-offs to loans | -0.0421% | 5,098 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4446% | 2,592 |
| Assets per employee ($millions) | 5.4201% | 1,943 |
| Cash dividends to net income (ytd only)* | 28.3074% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2220% | 419 |
| Loan loss allowance to noncurrent loans | 222.7894% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 2,078 |
| Noncurrent loans to loans | 0.9974% | 1,969 |
| Net loans and leases to total assets | 45.7451% | 4,959 |
| Net loans and leases to deposits | 54.2139% | 4,952 |
| Net loans and leases to core deposits | 56.5120% | 4,974 |
| Total domestic deposits to total assets | 84.3789% | 3,061 |
| Equity capital to assets | 12.8361% | 1,456 |
| Core capital (leverage) ratio | 12.1591% | 1,550 |
| Tier 1 risk-based capital ratio | 19.5473% | 1,467 |
| Total risk-based capital ratio | 20.8053% | 1,419 |
| Memoranda: | ||
| Average total assets | $298,213,670 | 2,198 |
| Average earning assets | $271,179,000 | 2,228 |
| Average equity | $37,563,000 | 1,961 |
| Average total loans | $137,833,330 | 2,839 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 4,897 |
| Cost of funding earning assets | 0.4048% | 2,948 |
| Net interest margin | 3.0106% | 4,872 |
| Noninterest income to average assets | 0.5981% | 2,424 |
| Noninterest expense to average assets | 2.4045% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6578% | 3,899 |
| Return on assets (ROA) | 0.6397% | 4,021 |
| Pretax return on assets | 0.9012% | 3,766 |
| Return on Equity (ROE) | 5.1274% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.1274% | 2,814 |
| Net charge-offs to loans | -0.0380% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1820% | 2,541 |
| Assets per employee ($millions) | 5.2329% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 434 |
| Loan loss allowance to noncurrent loans | 198.1362% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 1,911 |
| Noncurrent loans to loans | 1.1420% | 1,786 |
| Net loans and leases to total assets | 45.4430% | 4,966 |
| Net loans and leases to deposits | 52.8980% | 4,989 |
| Net loans and leases to core deposits | 55.6839% | 4,996 |
| Total domestic deposits to total assets | 85.9069% | 2,711 |
| Equity capital to assets | 12.8421% | 1,330 |
| Core capital (leverage) ratio | 11.9702% | 1,650 |
| Tier 1 risk-based capital ratio | 19.6626% | 1,458 |
| Total risk-based capital ratio | 20.9201% | 1,428 |
| Memoranda: | ||
| Average total assets | $298,268,500 | 2,220 |
| Average earning assets | $270,776,000 | 2,243 |
| Average equity | $37,212,000 | 1,980 |
| Average total loans | $137,016,500 | 2,863 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4942% | 4,797 |
| Cost of funding earning assets | 0.4367% | 2,636 |
| Net interest margin | 3.0575% | 4,826 |
| Noninterest income to average assets | 0.6158% | 2,575 |
| Noninterest expense to average assets | 2.4902% | 4,046 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6356% | 4,067 |
| Return on assets (ROA) | 0.6663% | 4,037 |
| Pretax return on assets | 0.9158% | 3,792 |
| Return on Equity (ROE) | 4.7872% | 4,521 |
| Retained earnings to average equity (ytd only) | -6.9860% | 5,730 |
| Net charge-offs to loans | -0.0420% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0230% | 2,290 |
| Assets per employee ($millions) | 5.0294% | 2,362 |
| Cash dividends to net income (ytd only)* | 245.9309% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5872% | 282 |
| Loan loss allowance to noncurrent loans | 196.1022% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 1.1455% | 1,606 |
| Noncurrent loans to loans | 1.3193% | 1,559 |
| Net loans and leases to total assets | 42.5474% | 5,206 |
| Net loans and leases to deposits | 50.0800% | 5,208 |
| Net loans and leases to core deposits | 52.5963% | 5,198 |
| Total domestic deposits to total assets | 84.9589% | 3,069 |
| Equity capital to assets | 12.3326% | 1,615 |
| Core capital (leverage) ratio | 12.1644% | 1,503 |
| Tier 1 risk-based capital ratio | 19.5352% | 1,469 |
| Total risk-based capital ratio | 20.7967% | 1,426 |
| Memoranda: | ||
| Average total assets | $269,259,800 | 2,368 |
| Average earning assets | $242,027,000 | 2,418 |
| Average equity | $37,475,200 | 1,956 |
| Average total loans | $114,290,000 | 3,151 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4702% | 4,892 |
| Cost of funding earning assets | 0.4397% | 2,642 |
| Net interest margin | 3.0305% | 4,954 |
| Noninterest income to average assets | 0.6461% | 2,444 |
| Noninterest expense to average assets | 2.5194% | 3,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6325% | 4,159 |
| Return on assets (ROA) | 0.6446% | 4,230 |
| Pretax return on assets | 0.8689% | 4,080 |
| Return on Equity (ROE) | 4.5020% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.2906% | 3,271 |
| Net charge-offs to loans | -0.0459% | 5,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7167% | 2,155 |
| Assets per employee ($millions) | 4.9938% | 2,375 |
| Cash dividends to net income (ytd only)* | 4.6958% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6955% | 266 |
| Loan loss allowance to noncurrent loans | 189.4737% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3098% | 1,460 |
| Noncurrent loans to loans | 1.4226% | 1,530 |
| Net loans and leases to total assets | 40.9634% | 5,334 |
| Net loans and leases to deposits | 49.6612% | 5,311 |
| Net loans and leases to core deposits | 52.4376% | 5,294 |
| Total domestic deposits to total assets | 82.4857% | 3,784 |
| Equity capital to assets | 14.6990% | 816 |
| Core capital (leverage) ratio | 13.5746% | 973 |
| Tier 1 risk-based capital ratio | 22.6334% | 1,050 |
| Total risk-based capital ratio | 23.8962% | 1,034 |
| Memoranda: | ||
| Average total assets | $268,677,500 | 2,384 |
| Average earning assets | $241,669,500 | 2,430 |
| Average equity | $38,470,500 | 1,911 |
| Average total loans | $113,206,750 | 3,178 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 5,013 |
| Cost of funding earning assets | 0.4387% | 2,665 |
| Net interest margin | 2.9970% | 5,091 |
| Noninterest income to average assets | 0.6134% | 2,549 |
| Noninterest expense to average assets | 2.5638% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5616% | 4,432 |
| Return on assets (ROA) | 0.5754% | 4,500 |
| Pretax return on assets | 0.7505% | 4,451 |
| Return on Equity (ROE) | 4.0545% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.7341% | 3,520 |
| Net charge-offs to loans | -0.0495% | 5,365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7753% | 1,824 |
| Assets per employee ($millions) | 4.9418% | 2,366 |
| Cash dividends to net income (ytd only)* | 7.9016% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6839% | 288 |
| Loan loss allowance to noncurrent loans | 162.7535% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5291% | 1,237 |
| Noncurrent loans to loans | 1.6491% | 1,292 |
| Net loans and leases to total assets | 40.6882% | 5,389 |
| Net loans and leases to deposits | 49.5957% | 5,355 |
| Net loans and leases to core deposits | 52.5533% | 5,345 |
| Total domestic deposits to total assets | 82.0398% | 3,984 |
| Equity capital to assets | 14.3473% | 919 |
| Core capital (leverage) ratio | 13.7352% | 890 |
| Tier 1 risk-based capital ratio | 22.2541% | 1,108 |
| Total risk-based capital ratio | 23.5160% | 1,093 |
| Memoranda: | ||
| Average total assets | $268,348,330 | 2,399 |
| Average earning assets | $240,238,000 | 2,449 |
| Average equity | $38,081,330 | 1,937 |
| Average total loans | $113,101,000 | 3,186 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 5,009 |
| Cost of funding earning assets | 0.4424% | 2,662 |
| Net interest margin | 3.0042% | 5,113 |
| Noninterest income to average assets | 0.4981% | 3,127 |
| Noninterest expense to average assets | 2.5864% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4876% | 4,681 |
| Return on assets (ROA) | 0.4876% | 4,780 |
| Pretax return on assets | 0.5911% | 4,843 |
| Return on Equity (ROE) | 3.4552% | 5,082 |
| Retained earnings to average equity (ytd only) | 3.4552% | 3,774 |
| Net charge-offs to loans | -0.0425% | 5,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3975% | 1,439 |
| Assets per employee ($millions) | 4.8789% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6904% | 318 |
| Loan loss allowance to noncurrent loans | 156.7959% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.7581% | 1,072 |
| Noncurrent loans to loans | 1.7158% | 1,309 |
| Net loans and leases to total assets | 41.6530% | 5,367 |
| Net loans and leases to deposits | 51.0518% | 5,277 |
| Net loans and leases to core deposits | 53.9497% | 5,256 |
| Total domestic deposits to total assets | 81.5896% | 4,331 |
| Equity capital to assets | 14.4978% | 838 |
| Core capital (leverage) ratio | 13.5226% | 977 |
| Tier 1 risk-based capital ratio | 22.1927% | 1,132 |
| Total risk-based capital ratio | 23.4549% | 1,115 |
| Memoranda: | ||
| Average total assets | $266,622,000 | 2,419 |
| Average earning assets | $237,798,000 | 2,481 |
| Average equity | $37,624,000 | 1,959 |
| Average total loans | $112,831,000 | 3,200 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6097% | 4,645 |
| Cost of funding earning assets | 0.4461% | 2,665 |
| Net interest margin | 3.1636% | 4,743 |
| Noninterest income to average assets | 0.7517% | 1,975 |
| Noninterest expense to average assets | 2.6717% | 3,682 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6962% | 3,830 |
| Return on assets (ROA) | 0.6962% | 3,937 |
| Pretax return on assets | 0.9231% | 3,758 |
| Return on Equity (ROE) | 4.9713% | 4,521 |
| Retained earnings to average equity (ytd only) | 0.0326% | 5,493 |
| Net charge-offs to loans | -0.0979% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3208% | 2,530 |
| Assets per employee ($millions) | 4.9052% | 2,466 |
| Cash dividends to net income (ytd only)* | 99.3450% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6761% | 328 |
| Loan loss allowance to noncurrent loans | 180.8982% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 1,048 |
| Noncurrent loans to loans | 1.4793% | 1,572 |
| Net loans and leases to total assets | 40.7244% | 5,478 |
| Net loans and leases to deposits | 49.4961% | 5,416 |
| Net loans and leases to core deposits | 52.7223% | 5,384 |
| Total domestic deposits to total assets | 82.2780% | 4,089 |
| Equity capital to assets | 13.7340% | 1,028 |
| Core capital (leverage) ratio | 13.6194% | 929 |
| Tier 1 risk-based capital ratio | 21.3192% | 1,246 |
| Total risk-based capital ratio | 22.5823% | 1,226 |
| Memoranda: | ||
| Average total assets | $263,132,600 | 2,396 |
| Average earning assets | $236,472,600 | 2,451 |
| Average equity | $36,851,600 | 1,938 |
| Average total loans | $113,400,600 | 3,144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,685 |
| Cost of funding earning assets | 0.4529% | 2,653 |
| Net interest margin | 3.1620% | 4,796 |
| Noninterest income to average assets | 0.6629% | 2,417 |
| Noninterest expense to average assets | 2.7368% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6119% | 4,320 |
| Return on assets (ROA) | 0.6119% | 4,430 |
| Pretax return on assets | 0.7848% | 4,383 |
| Return on Equity (ROE) | 4.3475% | 4,888 |
| Retained earnings to average equity (ytd only) | -1.0869% | 5,767 |
| Net charge-offs to loans | -0.0669% | 5,647 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7150% | 1,989 |
| Assets per employee ($millions) | 4.7912% | 2,573 |
| Cash dividends to net income (ytd only)* | 125.0000% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6478% | 353 |
| Loan loss allowance to noncurrent loans | 138.2216% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 2.0779% | 959 |
| Noncurrent loans to loans | 1.9156% | 1,208 |
| Net loans and leases to total assets | 42.1916% | 5,479 |
| Net loans and leases to deposits | 52.0471% | 5,370 |
| Net loans and leases to core deposits | 55.3515% | 5,341 |
| Total domestic deposits to total assets | 81.0642% | 4,459 |
| Equity capital to assets | 14.3738% | 892 |
| Core capital (leverage) ratio | 13.4307% | 1,044 |
| Tier 1 risk-based capital ratio | 22.0702% | 1,188 |
| Total risk-based capital ratio | 23.3338% | 1,163 |
| Memoranda: | ||
| Average total assets | $261,469,750 | 2,428 |
| Average earning assets | $236,382,250 | 2,468 |
| Average equity | $36,801,500 | 1,955 |
| Average total loans | $113,528,500 | 3,170 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,666 |
| Cost of funding earning assets | 0.4610% | 2,600 |
| Net interest margin | 3.1584% | 4,796 |
| Noninterest income to average assets | 0.6426% | 2,516 |
| Noninterest expense to average assets | 2.7159% | 3,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6083% | 4,301 |
| Return on assets (ROA) | 0.6083% | 4,417 |
| Pretax return on assets | 0.7729% | 4,411 |
| Return on Equity (ROE) | 4.3521% | 4,885 |
| Retained earnings to average equity (ytd only) | -3.8285% | 5,967 |
| Net charge-offs to loans | -0.0298% | 5,329 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8458% | 2,093 |
| Assets per employee ($millions) | 4.6031% | 2,823 |
| Cash dividends to net income (ytd only)* | 187.9699% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5736% | 448 |
| Loan loss allowance to noncurrent loans | 131.2276% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.1389% | 992 |
| Noncurrent loans to loans | 1.9612% | 1,260 |
| Net loans and leases to total assets | 42.2601% | 5,486 |
| Net loans and leases to deposits | 51.4821% | 5,421 |
| Net loans and leases to core deposits | 54.6821% | 5,385 |
| Total domestic deposits to total assets | 82.0871% | 4,266 |
| Equity capital to assets | 13.7970% | 1,055 |
| Core capital (leverage) ratio | 13.1391% | 1,120 |
| Tier 1 risk-based capital ratio | 20.7807% | 1,410 |
| Total risk-based capital ratio | 22.0485% | 1,383 |
| Memoranda: | ||
| Average total assets | $262,384,000 | 2,437 |
| Average earning assets | $236,449,000 | 2,489 |
| Average equity | $36,672,330 | 1,962 |
| Average total loans | $113,994,670 | 3,180 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4810% | 5,018 |
| Cost of funding earning assets | 0.4702% | 2,563 |
| Net interest margin | 3.0108% | 5,188 |
| Noninterest income to average assets | 0.7013% | 2,158 |
| Noninterest expense to average assets | 2.8523% | 3,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4894% | 4,739 |
| Return on assets (ROA) | 0.4894% | 4,857 |
| Pretax return on assets | 0.5625% | 5,016 |
| Return on Equity (ROE) | 3.4789% | 5,185 |
| Retained earnings to average equity (ytd only) | -12.7775% | 6,190 |
| Net charge-offs to loans | -0.0245% | 5,141 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5268% | 1,429 |
| Assets per employee ($millions) | 4.7126% | 2,744 |
| Cash dividends to net income (ytd only)* | 467.2897% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5636% | 487 |
| Loan loss allowance to noncurrent loans | 111.3697% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.4426% | 886 |
| Noncurrent loans to loans | 2.3019% | 1,071 |
| Net loans and leases to total assets | 42.8034% | 5,437 |
| Net loans and leases to deposits | 50.7235% | 5,413 |
| Net loans and leases to core deposits | 53.5532% | 5,394 |
| Total domestic deposits to total assets | 84.3857% | 3,660 |
| Equity capital to assets | 14.1413% | 939 |
| Core capital (leverage) ratio | 12.7516% | 1,255 |
| Tier 1 risk-based capital ratio | 21.0864% | 1,402 |
| Total risk-based capital ratio | 22.3431% | 1,379 |
| Memoranda: | ||
| Average total assets | $262,388,500 | 2,452 |
| Average earning assets | $236,482,000 | 2,503 |
| Average equity | $36,908,500 | 1,970 |
| Average total loans | $114,087,500 | 3,199 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6799% | 4,853 |
| Cost of funding earning assets | 0.5141% | 2,538 |
| Net interest margin | 3.1659% | 5,033 |
| Noninterest income to average assets | 0.6556% | 2,524 |
| Noninterest expense to average assets | 2.6685% | 3,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6106% | 4,320 |
| Return on assets (ROA) | 0.6256% | 4,357 |
| Pretax return on assets | 0.7940% | 4,285 |
| Return on Equity (ROE) | 4.5660% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.0126% | 3,355 |
| Net charge-offs to loans | 0.0188% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 92.9091% | 561 |
| Efficiency ratio | 77.4939% | 2,280 |
| Assets per employee ($millions) | 4.6594% | 2,781 |
| Cash dividends to net income (ytd only)* | 12.1212% | 4,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5474% | 521 |
| Loan loss allowance to noncurrent loans | 132.3636% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 2.3164% | 1,028 |
| Noncurrent loans to loans | 1.9245% | 1,461 |
| Net loans and leases to total assets | 41.9455% | 5,621 |
| Net loans and leases to deposits | 49.7033% | 5,593 |
| Net loans and leases to core deposits | 51.8622% | 5,624 |
| Total domestic deposits to total assets | 84.3918% | 3,559 |
| Equity capital to assets | 13.9933% | 956 |
| Core capital (leverage) ratio | 13.9187% | 836 |
| Tier 1 risk-based capital ratio | 22.0484% | 1,217 |
| Total risk-based capital ratio | 23.3053% | 1,190 |
| Memoranda: | ||
| Average total assets | $263,739,000 | 2,393 |
| Average earning assets | $232,259,800 | 2,497 |
| Average equity | $36,136,600 | 1,944 |
| Average total loans | $117,029,800 | 3,099 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6733% | 4,927 |
| Cost of funding earning assets | 0.5313% | 2,455 |
| Net interest margin | 3.1419% | 5,137 |
| Noninterest income to average assets | 0.6766% | 2,445 |
| Noninterest expense to average assets | 2.6415% | 4,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6300% | 4,306 |
| Return on assets (ROA) | 0.6280% | 4,415 |
| Pretax return on assets | 0.7936% | 4,386 |
| Return on Equity (ROE) | 4.6079% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.6079% | 3,354 |
| Net charge-offs to loans | 0.1427% | 2,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.4759% | 2,315 |
| Efficiency ratio | 76.8415% | 2,367 |
| Assets per employee ($millions) | 4.5415% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4275% | 702 |
| Loan loss allowance to noncurrent loans | 95.5087% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.6670% | 952 |
| Noncurrent loans to loans | 2.5417% | 1,144 |
| Net loans and leases to total assets | 43.5839% | 5,549 |
| Net loans and leases to deposits | 51.7420% | 5,545 |
| Net loans and leases to core deposits | 54.1330% | 5,556 |
| Total domestic deposits to total assets | 84.2332% | 3,671 |
| Equity capital to assets | 14.2089% | 936 |
| Core capital (leverage) ratio | 13.7213% | 921 |
| Tier 1 risk-based capital ratio | 21.9206% | 1,272 |
| Total risk-based capital ratio | 23.1642% | 1,256 |
| Memoranda: | ||
| Average total assets | $263,277,500 | 2,422 |
| Average earning assets | $231,358,000 | 2,527 |
| Average equity | $35,879,750 | 1,966 |
| Average total loans | $117,709,000 | 3,105 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6375% | 5,049 |
| Cost of funding earning assets | 0.5435% | 2,402 |
| Net interest margin | 3.0941% | 5,269 |
| Noninterest income to average assets | 0.6988% | 2,284 |
| Noninterest expense to average assets | 2.6191% | 4,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6238% | 4,225 |
| Return on assets (ROA) | 0.6232% | 4,329 |
| Pretax return on assets | 0.7841% | 4,334 |
| Return on Equity (ROE) | 4.6376% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.6376% | 3,203 |
| Net charge-offs to loans | 0.2230% | 1,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.8712% | 2,567 |
| Efficiency ratio | 76.9419% | 2,462 |
| Assets per employee ($millions) | 4.5136% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3784% | 830 |
| Loan loss allowance to noncurrent loans | 78.2402% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.7568% | 951 |
| Noncurrent loans to loans | 3.0399% | 943 |
| Net loans and leases to total assets | 43.9157% | 5,537 |
| Net loans and leases to deposits | 52.4779% | 5,466 |
| Net loans and leases to core deposits | 54.7945% | 5,504 |
| Total domestic deposits to total assets | 83.6843% | 4,038 |
| Equity capital to assets | 13.9012% | 1,014 |
| Core capital (leverage) ratio | 13.4276% | 1,001 |
| Tier 1 risk-based capital ratio | 21.4443% | 1,356 |
| Total risk-based capital ratio | 22.7004% | 1,330 |
| Memoranda: | ||
| Average total assets | $264,748,000 | 2,414 |
| Average earning assets | $231,475,330 | 2,532 |
| Average equity | $35,579,000 | 1,966 |
| Average total loans | $118,401,670 | 3,092 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6151% | 5,131 |
| Cost of funding earning assets | 0.5571% | 2,372 |
| Net interest margin | 3.0580% | 5,370 |
| Noninterest income to average assets | 0.6025% | 2,719 |
| Noninterest expense to average assets | 2.6789% | 4,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5108% | 4,631 |
| Return on assets (ROA) | 0.5108% | 4,710 |
| Pretax return on assets | 0.5875% | 4,869 |
| Return on Equity (ROE) | 3.8667% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.8667% | 3,801 |
| Net charge-offs to loans | -0.0775% | 6,009 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0147% | 1,922 |
| Assets per employee ($millions) | 4.3986% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5436% | 773 |
| Loan loss allowance to noncurrent loans | 85.4829% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.8498% | 1,028 |
| Noncurrent loans to loans | 2.9756% | 1,071 |
| Net loans and leases to total assets | 42.9134% | 5,595 |
| Net loans and leases to deposits | 51.2475% | 5,501 |
| Net loans and leases to core deposits | 53.3040% | 5,544 |
| Total domestic deposits to total assets | 83.7376% | 4,374 |
| Equity capital to assets | 13.4604% | 1,109 |
| Core capital (leverage) ratio | 13.0920% | 1,124 |
| Tier 1 risk-based capital ratio | 21.0405% | 1,466 |
| Total risk-based capital ratio | 22.2011% | 1,463 |
| Memoranda: | ||
| Average total assets | $266,227,000 | 2,409 |
| Average earning assets | $231,914,000 | 2,531 |
| Average equity | $35,172,500 | 1,974 |
| Average total loans | $118,718,500 | 3,097 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 4,144 |
| Cost of funding earning assets | 0.5963% | 2,696 |
| Net interest margin | 3.3862% | 4,330 |
| Noninterest income to average assets | 0.5340% | 3,531 |
| Noninterest expense to average assets | 2.8642% | 3,481 |
| Loan and lease loss provision to assets | 0.1616% | 2,259 |
| Net operating income to assets | 0.3844% | 5,195 |
| Return on assets (ROA) | 0.3856% | 5,304 |
| Pretax return on assets | 0.4621% | 5,315 |
| Return on Equity (ROE) | 2.8667% | 5,556 |
| Retained earnings to average equity (ytd only) | 2.7536% | 4,280 |
| Net charge-offs to loans | 0.5598% | 1,174 |
| Credit loss provision to net charge-offs | 59.7750% | 3,571 |
| Earnings coverage of net charge-offs (x) | 2.3010% | 4,243 |
| Efficiency ratio | 82.1534% | 1,863 |
| Assets per employee ($millions) | 4.4023% | 3,083 |
| Cash dividends to net income (ytd only)* | 3.9448% | 4,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 908 |
| Loan loss allowance to noncurrent loans | 94.7658% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 2.6856% | 1,250 |
| Noncurrent loans to loans | 2.5531% | 1,471 |
| Net loans and leases to total assets | 44.0506% | 5,668 |
| Net loans and leases to deposits | 52.3810% | 5,596 |
| Net loans and leases to core deposits | 54.2638% | 5,654 |
| Total domestic deposits to total assets | 84.0965% | 4,126 |
| Equity capital to assets | 12.9668% | 1,289 |
| Core capital (leverage) ratio | 13.2017% | 1,053 |
| Tier 1 risk-based capital ratio | 19.9756% | 1,657 |
| Total risk-based capital ratio | 21.2064% | 1,636 |
| Memoranda: | ||
| Average total assets | $262,937,600 | 2,405 |
| Average earning assets | $229,253,400 | 2,520 |
| Average equity | $35,371,400 | 1,951 |
| Average total loans | $127,019,000 | 2,903 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 3,971 |
| Cost of funding earning assets | 0.6116% | 2,721 |
| Net interest margin | 3.4288% | 4,173 |
| Noninterest income to average assets | 0.7871% | 2,212 |
| Noninterest expense to average assets | 2.8900% | 3,336 |
| Loan and lease loss provision to assets | 0.1529% | 2,355 |
| Net operating income to assets | 0.5664% | 4,495 |
| Return on assets (ROA) | 0.5664% | 4,646 |
| Pretax return on assets | 0.7336% | 4,562 |
| Return on Equity (ROE) | 4.1716% | 5,142 |
| Retained earnings to average equity (ytd only) | 4.1716% | 3,716 |
| Net charge-offs to loans | 0.5916% | 1,062 |
| Credit loss provision to net charge-offs | 52.6316% | 3,445 |
| Earnings coverage of net charge-offs (x) | 3.0509% | 3,822 |
| Efficiency ratio | 76.5254% | 2,645 |
| Assets per employee ($millions) | 4.4445% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3595% | 1,095 |
| Loan loss allowance to noncurrent loans | 82.9769% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 3.1969% | 1,124 |
| Noncurrent loans to loans | 2.8436% | 1,455 |
| Net loans and leases to total assets | 47.3398% | 5,418 |
| Net loans and leases to deposits | 56.6967% | 5,311 |
| Net loans and leases to core deposits | 58.8374% | 5,379 |
| Total domestic deposits to total assets | 83.4966% | 4,381 |
| Equity capital to assets | 13.6289% | 1,069 |
| Core capital (leverage) ratio | 13.2582% | 1,109 |
| Tier 1 risk-based capital ratio | 20.0987% | 1,712 |
| Total risk-based capital ratio | 21.3546% | 1,683 |
| Memoranda: | ||
| Average total assets | $261,537,250 | 2,439 |
| Average earning assets | $228,023,000 | 2,543 |
| Average equity | $35,509,000 | 1,958 |
| Average total loans | $128,467,250 | 2,906 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1245% | 3,641 |
| Cost of funding earning assets | 0.6280% | 2,701 |
| Net interest margin | 3.4965% | 3,793 |
| Noninterest income to average assets | 0.8836% | 1,877 |
| Noninterest expense to average assets | 2.8068% | 3,654 |
| Loan and lease loss provision to assets | 0.2283% | 1,644 |
| Net operating income to assets | 0.6545% | 4,041 |
| Return on assets (ROA) | 0.6545% | 4,205 |
| Pretax return on assets | 0.8866% | 3,962 |
| Return on Equity (ROE) | 4.8268% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.8268% | 3,171 |
| Net charge-offs to loans | 1.0399% | 579 |
| Credit loss provision to net charge-offs | 44.5104% | 3,333 |
| Earnings coverage of net charge-offs (x) | 2.1736% | 3,803 |
| Efficiency ratio | 71.5700% | 3,545 |
| Assets per employee ($millions) | 4.1340% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2745% | 1,298 |
| Loan loss allowance to noncurrent loans | 76.4374% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 3.6357% | 1,032 |
| Noncurrent loans to loans | 2.9757% | 1,499 |
| Net loans and leases to total assets | 46.9337% | 5,430 |
| Net loans and leases to deposits | 56.2377% | 5,313 |
| Net loans and leases to core deposits | 57.9911% | 5,422 |
| Total domestic deposits to total assets | 83.4559% | 4,520 |
| Equity capital to assets | 13.6820% | 1,059 |
| Core capital (leverage) ratio | 13.3077% | 1,053 |
| Tier 1 risk-based capital ratio | 20.2376% | 1,670 |
| Total risk-based capital ratio | 21.4926% | 1,644 |
| Memoranda: | ||
| Average total assets | $262,788,670 | 2,432 |
| Average earning assets | $228,344,330 | 2,552 |
| Average equity | $35,634,330 | 1,954 |
| Average total loans | $129,628,670 | 2,882 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 3,681 |
| Cost of funding earning assets | 0.6417% | 2,729 |
| Net interest margin | 3.4698% | 3,822 |
| Noninterest income to average assets | 0.8244% | 2,023 |
| Noninterest expense to average assets | 2.6913% | 4,104 |
| Loan and lease loss provision to assets | 0.2728% | 1,294 |
| Net operating income to assets | 0.6577% | 3,911 |
| Return on assets (ROA) | 0.6577% | 4,075 |
| Pretax return on assets | 0.8592% | 3,919 |
| Return on Equity (ROE) | 4.8717% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.8717% | 3,316 |
| Net charge-offs to loans | 0.5580% | 1,089 |
| Credit loss provision to net charge-offs | 97.8261% | 1,905 |
| Earnings coverage of net charge-offs (x) | 4.0598% | 2,624 |
| Efficiency ratio | 70.3924% | 3,909 |
| Assets per employee ($millions) | 4.1347% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4528% | 1,171 |
| Loan loss allowance to noncurrent loans | 93.0266% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 3.9637% | 1,016 |
| Noncurrent loans to loans | 2.6367% | 1,953 |
| Net loans and leases to total assets | 49.0852% | 5,102 |
| Net loans and leases to deposits | 58.8487% | 4,932 |
| Net loans and leases to core deposits | 61.6041% | 4,988 |
| Total domestic deposits to total assets | 83.4091% | 4,707 |
| Equity capital to assets | 13.7647% | 1,111 |
| Core capital (leverage) ratio | 13.0830% | 1,085 |
| Tier 1 risk-based capital ratio | 19.4752% | 1,913 |
| Total risk-based capital ratio | 20.7325% | 1,886 |
| Memoranda: | ||
| Average total assets | $263,961,000 | 2,453 |
| Average earning assets | $228,138,000 | 2,585 |
| Average equity | $35,634,500 | 1,981 |
| Average total loans | $131,902,500 | 2,868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 2,123 |
| Cost of funding earning assets | 0.8317% | 2,413 |
| Net interest margin | 3.9868% | 2,449 |
| Noninterest income to average assets | 0.2306% | 5,797 |
| Noninterest expense to average assets | 2.9778% | 3,354 |
| Loan and lease loss provision to assets | 0.1863% | 3,309 |
| Net operating income to assets | 0.3894% | 5,140 |
| Return on assets (ROA) | 0.4698% | 5,057 |
| Pretax return on assets | 0.3707% | 5,654 |
| Return on Equity (ROE) | 3.5885% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.0193% | 4,109 |
| Net charge-offs to loans | 0.4543% | 2,415 |
| Credit loss provision to net charge-offs | 77.5194% | 3,912 |
| Earnings coverage of net charge-offs (x) | 1.9829% | 4,425 |
| Efficiency ratio | 84.0902% | 1,624 |
| Assets per employee ($millions) | 4.0521% | 3,846 |
| Cash dividends to net income (ytd only)* | 15.8604% | 3,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4252% | 1,201 |
| Loan loss allowance to noncurrent loans | 66.2346% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 4.6075% | 887 |
| Noncurrent loans to loans | 3.6616% | 1,337 |
| Net loans and leases to total assets | 48.4269% | 5,366 |
| Net loans and leases to deposits | 57.7707% | 5,266 |
| Net loans and leases to core deposits | 60.3171% | 5,338 |
| Total domestic deposits to total assets | 83.8260% | 4,397 |
| Equity capital to assets | 13.2420% | 1,336 |
| Core capital (leverage) ratio | 13.1086% | 1,074 |
| Tier 1 risk-based capital ratio | 19.4299% | 1,836 |
| Total risk-based capital ratio | 20.6888% | 1,798 |
| Memoranda: | ||
| Average total assets | $268,388,200 | 2,357 |
| Average earning assets | $217,013,800 | 2,642 |
| Average equity | $35,140,400 | 1,965 |
| Average total loans | $141,980,400 | 2,690 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9277% | 1,910 |
| Cost of funding earning assets | 0.8832% | 2,286 |
| Net interest margin | 4.0445% | 2,317 |
| Noninterest income to average assets | 0.6681% | 2,886 |
| Noninterest expense to average assets | 3.0252% | 3,153 |
| Loan and lease loss provision to assets | 0.3971% | 1,612 |
| Net operating income to assets | 0.4711% | 4,954 |
| Return on assets (ROA) | 0.5772% | 4,760 |
| Pretax return on assets | 0.5807% | 5,230 |
| Return on Equity (ROE) | 4.4213% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.4213% | 3,784 |
| Net charge-offs to loans | 0.4417% | 2,339 |
| Credit loss provision to net charge-offs | 167.3640% | 1,659 |
| Earnings coverage of net charge-offs (x) | 3.6694% | 3,559 |
| Efficiency ratio | 75.1561% | 2,799 |
| Assets per employee ($millions) | 4.0582% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6695% | 1,009 |
| Loan loss allowance to noncurrent loans | 51.3370% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 5.5913% | 756 |
| Noncurrent loans to loans | 5.1999% | 852 |
| Net loans and leases to total assets | 51.7447% | 5,082 |
| Net loans and leases to deposits | 62.1113% | 4,956 |
| Net loans and leases to core deposits | 65.3810% | 5,016 |
| Total domestic deposits to total assets | 83.3097% | 4,516 |
| Equity capital to assets | 13.7372% | 1,258 |
| Core capital (leverage) ratio | 12.9096% | 1,223 |
| Tier 1 risk-based capital ratio | 19.2273% | 1,940 |
| Total risk-based capital ratio | 20.4894% | 1,910 |
| Memoranda: | ||
| Average total assets | $268,626,250 | 2,382 |
| Average earning assets | $214,376,250 | 2,705 |
| Average equity | $35,072,000 | 1,991 |
| Average total loans | $144,293,000 | 2,692 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 1,821 |
| Cost of funding earning assets | 0.9280% | 2,204 |
| Net interest margin | 4.0591% | 2,251 |
| Noninterest income to average assets | 0.6856% | 2,745 |
| Noninterest expense to average assets | 3.0052% | 3,242 |
| Loan and lease loss provision to assets | 0.4418% | 1,464 |
| Net operating income to assets | 0.4273% | 5,121 |
| Return on assets (ROA) | 0.5678% | 4,780 |
| Pretax return on assets | 0.6318% | 5,017 |
| Return on Equity (ROE) | 4.4222% | 5,077 |
| Retained earnings to average equity (ytd only) | 4.4222% | 3,661 |
| Net charge-offs to loans | 0.2432% | 3,114 |
| Credit loss provision to net charge-offs | 337.0787% | 869 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,536 |
| Efficiency ratio | 74.0942% | 3,058 |
| Assets per employee ($millions) | 3.9336% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6348% | 1,109 |
| Loan loss allowance to noncurrent loans | 53.0772% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 5.5386% | 803 |
| Noncurrent loans to loans | 4.9641% | 1,002 |
| Net loans and leases to total assets | 53.0856% | 4,949 |
| Net loans and leases to deposits | 64.2702% | 4,725 |
| Net loans and leases to core deposits | 67.6191% | 4,835 |
| Total domestic deposits to total assets | 82.5975% | 4,910 |
| Equity capital to assets | 13.3763% | 1,349 |
| Core capital (leverage) ratio | 12.5399% | 1,337 |
| Tier 1 risk-based capital ratio | 18.5574% | 2,114 |
| Total risk-based capital ratio | 19.8198% | 2,072 |
| Memoranda: | ||
| Average total assets | $271,593,330 | 2,360 |
| Average earning assets | $216,598,670 | 2,683 |
| Average equity | $34,869,670 | 1,978 |
| Average total loans | $146,364,000 | 2,665 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0986% | 1,575 |
| Cost of funding earning assets | 0.9988% | 1,991 |
| Net interest margin | 4.0997% | 2,088 |
| Noninterest income to average assets | 0.6995% | 2,664 |
| Noninterest expense to average assets | 3.0753% | 3,001 |
| Loan and lease loss provision to assets | 0.4354% | 1,436 |
| Net operating income to assets | 0.3341% | 5,535 |
| Return on assets (ROA) | 0.5500% | 4,808 |
| Pretax return on assets | 0.6299% | 5,012 |
| Return on Equity (ROE) | 4.3716% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.3716% | 3,972 |
| Net charge-offs to loans | 0.4062% | 2,089 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 3.7533% | 2,762 |
| Efficiency ratio | 76.5101% | 2,712 |
| Assets per employee ($millions) | 4.1103% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4107% | 1,486 |
| Loan loss allowance to noncurrent loans | 43.9525% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 6.0243% | 780 |
| Noncurrent loans to loans | 5.4847% | 971 |
| Net loans and leases to total assets | 53.2448% | 4,847 |
| Net loans and leases to deposits | 64.2584% | 4,594 |
| Net loans and leases to core deposits | 68.2686% | 4,651 |
| Total domestic deposits to total assets | 82.8604% | 4,986 |
| Equity capital to assets | 12.9947% | 1,449 |
| Core capital (leverage) ratio | 12.1807% | 1,491 |
| Tier 1 risk-based capital ratio | 18.5167% | 2,142 |
| Total risk-based capital ratio | 19.7768% | 2,107 |
| Memoranda: | ||
| Average total assets | $275,616,000 | 2,342 |
| Average earning assets | $214,649,000 | 2,714 |
| Average equity | $34,678,000 | 1,992 |
| Average total loans | $147,700,000 | 2,668 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 1,833 |
| Cost of funding earning assets | 1.2159% | 1,926 |
| Net interest margin | 4.0442% | 2,654 |
| Noninterest income to average assets | 0.6076% | 3,122 |
| Noninterest expense to average assets | 3.2245% | 2,783 |
| Loan and lease loss provision to assets | 0.5665% | 1,835 |
| Net operating income to assets | 0.2011% | 5,587 |
| Return on assets (ROA) | 0.2133% | 5,689 |
| Pretax return on assets | 0.0673% | 6,019 |
| Return on Equity (ROE) | 1.7842% | 5,738 |
| Retained earnings to average equity (ytd only) | 1.7842% | 4,943 |
| Net charge-offs to loans | 0.9490% | 1,831 |
| Credit loss provision to net charge-offs | 106.7674% | 3,174 |
| Earnings coverage of net charge-offs (x) | 1.1715% | 4,913 |
| Efficiency ratio | 81.4103% | 2,097 |
| Assets per employee ($millions) | 4.3040% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2482% | 1,714 |
| Loan loss allowance to noncurrent loans | 37.0199% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 6.2268% | 770 |
| Noncurrent loans to loans | 6.0729% | 809 |
| Net loans and leases to total assets | 51.4916% | 5,389 |
| Net loans and leases to deposits | 61.4706% | 5,314 |
| Net loans and leases to core deposits | 66.5893% | 5,200 |
| Total domestic deposits to total assets | 83.7662% | 4,429 |
| Equity capital to assets | 12.1938% | 1,969 |
| Core capital (leverage) ratio | 11.8214% | 1,696 |
| Tier 1 risk-based capital ratio | 18.0337% | 2,177 |
| Total risk-based capital ratio | 19.2926% | 2,153 |
| Memoranda: | ||
| Average total assets | $286,870,000 | 2,223 |
| Average earning assets | $229,711,000 | 2,510 |
| Average equity | $34,302,000 | 1,951 |
| Average total loans | $160,378,800 | 2,489 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3172% | 1,794 |
| Cost of funding earning assets | 1.2519% | 1,985 |
| Net interest margin | 4.0652% | 2,621 |
| Noninterest income to average assets | 0.7543% | 2,290 |
| Noninterest expense to average assets | 3.2710% | 2,595 |
| Loan and lease loss provision to assets | 0.4173% | 2,377 |
| Net operating income to assets | 0.3913% | 5,037 |
| Return on assets (ROA) | 0.4075% | 5,152 |
| Pretax return on assets | 0.3779% | 5,534 |
| Return on Equity (ROE) | 3.4250% | 5,257 |
| Retained earnings to average equity (ytd only) | 3.4250% | 4,297 |
| Net charge-offs to loans | 1.0270% | 1,558 |
| Credit loss provision to net charge-offs | 71.6561% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.3376% | 4,613 |
| Efficiency ratio | 78.4659% | 2,484 |
| Assets per employee ($millions) | 4.0711% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8923% | 2,635 |
| Loan loss allowance to noncurrent loans | 37.2293% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 6.0137% | 887 |
| Noncurrent loans to loans | 5.0829% | 1,216 |
| Net loans and leases to total assets | 54.4046% | 5,109 |
| Net loans and leases to deposits | 66.3238% | 4,853 |
| Net loans and leases to core deposits | 72.3808% | 4,662 |
| Total domestic deposits to total assets | 82.0289% | 5,079 |
| Equity capital to assets | 12.6112% | 1,844 |
| Core capital (leverage) ratio | 11.7955% | 1,829 |
| Tier 1 risk-based capital ratio | 17.5820% | 2,404 |
| Total risk-based capital ratio | 18.8369% | 2,380 |
| Memoranda: | ||
| Average total assets | $287,572,000 | 2,221 |
| Average earning assets | $233,125,000 | 2,479 |
| Average equity | $34,218,000 | 1,960 |
| Average total loans | $163,065,500 | 2,469 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1731% | 2,367 |
| Cost of funding earning assets | 1.3024% | 1,928 |
| Net interest margin | 3.8708% | 3,438 |
| Noninterest income to average assets | 0.7632% | 2,191 |
| Noninterest expense to average assets | 3.1873% | 2,950 |
| Loan and lease loss provision to assets | 0.4122% | 2,372 |
| Net operating income to assets | 0.3531% | 5,164 |
| Return on assets (ROA) | 0.3771% | 5,187 |
| Pretax return on assets | 0.3297% | 5,599 |
| Return on Equity (ROE) | 3.2307% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.2307% | 4,206 |
| Net charge-offs to loans | 1.2764% | 1,218 |
| Credit loss provision to net charge-offs | 56.5504% | 4,428 |
| Earnings coverage of net charge-offs (x) | 0.9849% | 4,557 |
| Efficiency ratio | 79.2612% | 2,512 |
| Assets per employee ($millions) | 3.8706% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 3,061 |
| Loan loss allowance to noncurrent loans | 39.6320% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 5.7295% | 1,010 |
| Noncurrent loans to loans | 4.4909% | 1,479 |
| Net loans and leases to total assets | 55.4456% | 5,077 |
| Net loans and leases to deposits | 67.2702% | 4,819 |
| Net loans and leases to core deposits | 74.4983% | 4,510 |
| Total domestic deposits to total assets | 82.4223% | 5,015 |
| Equity capital to assets | 12.3359% | 1,881 |
| Core capital (leverage) ratio | 11.2174% | 2,099 |
| Tier 1 risk-based capital ratio | 16.5265% | 2,730 |
| Total risk-based capital ratio | 17.7792% | 2,683 |
| Memoranda: | ||
| Average total assets | $291,151,670 | 2,211 |
| Average earning assets | $236,336,330 | 2,464 |
| Average equity | $33,986,670 | 1,959 |
| Average total loans | $166,249,000 | 2,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 2,722 |
| Cost of funding earning assets | 1.3535% | 1,866 |
| Net interest margin | 3.7303% | 3,944 |
| Noninterest income to average assets | 0.9832% | 1,382 |
| Noninterest expense to average assets | 2.9040% | 4,045 |
| Loan and lease loss provision to assets | 0.4035% | 2,173 |
| Net operating income to assets | 0.6186% | 3,938 |
| Return on assets (ROA) | 0.6483% | 3,835 |
| Pretax return on assets | 0.7653% | 4,037 |
| Return on Equity (ROE) | 5.7057% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.7057% | 2,797 |
| Net charge-offs to loans | 0.1148% | 3,844 |
| Credit loss provision to net charge-offs | 612.2449% | 606 |
| Earnings coverage of net charge-offs (x) | 17.2041% | 1,227 |
| Efficiency ratio | 69.6869% | 4,337 |
| Assets per employee ($millions) | 4.0217% | 3,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0792% | 2,225 |
| Loan loss allowance to noncurrent loans | 28.1455% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 6.6377% | 827 |
| Noncurrent loans to loans | 7.3875% | 707 |
| Net loans and leases to total assets | 57.1198% | 4,781 |
| Net loans and leases to deposits | 69.0782% | 4,519 |
| Net loans and leases to core deposits | 78.2517% | 3,985 |
| Total domestic deposits to total assets | 82.6886% | 5,030 |
| Equity capital to assets | 11.7689% | 2,063 |
| Core capital (leverage) ratio | 10.8184% | 2,341 |
| Tier 1 risk-based capital ratio | 15.6946% | 3,058 |
| Total risk-based capital ratio | 16.9506% | 3,015 |
| Memoranda: | ||
| Average total assets | $297,386,500 | 2,178 |
| Average earning assets | $243,522,000 | 2,412 |
| Average equity | $33,791,000 | 1,953 |
| Average total loans | $170,715,000 | 2,425 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 3,409 |
| Cost of funding earning assets | 1.6110% | 2,007 |
| Net interest margin | 3.6292% | 4,676 |
| Noninterest income to average assets | 0.0775% | 7,000 |
| Noninterest expense to average assets | 2.7859% | 4,659 |
| Loan and lease loss provision to assets | 1.5697% | 927 |
| Net operating income to assets | -0.5735% | 6,434 |
| Return on assets (ROA) | -0.5689% | 6,459 |
| Pretax return on assets | -1.2171% | 6,749 |
| Return on Equity (ROE) | -5.2383% | 6,454 |
| Retained earnings to average equity (ytd only) | -5.2383% | 6,326 |
| Net charge-offs to loans | 2.1349% | 922 |
| Credit loss provision to net charge-offs | 126.1631% | 3,216 |
| Earnings coverage of net charge-offs (x) | 0.2776% | 5,832 |
| Efficiency ratio | 86.3049% | 1,660 |
| Assets per employee ($millions) | 4.1810% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8902% | 2,593 |
| Loan loss allowance to noncurrent loans | 28.7085% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 5.9978% | 992 |
| Noncurrent loans to loans | 6.5841% | 899 |
| Net loans and leases to total assets | 55.4567% | 5,421 |
| Net loans and leases to deposits | 68.1054% | 5,089 |
| Net loans and leases to core deposits | 78.0228% | 4,458 |
| Total domestic deposits to total assets | 81.4277% | 5,378 |
| Equity capital to assets | 10.9773% | 2,705 |
| Core capital (leverage) ratio | 10.1002% | 2,975 |
| Tier 1 risk-based capital ratio | 14.7635% | 3,389 |
| Total risk-based capital ratio | 16.0174% | 3,341 |
| Memoranda: | ||
| Average total assets | $321,334,200 | 2,026 |
| Average earning assets | $270,386,800 | 2,178 |
| Average equity | $34,896,600 | 1,898 |
| Average total loans | $187,264,600 | 2,272 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2969% | 3,368 |
| Cost of funding earning assets | 1.6680% | 2,017 |
| Net interest margin | 3.6289% | 4,732 |
| Noninterest income to average assets | 0.2688% | 5,969 |
| Noninterest expense to average assets | 2.6497% | 5,114 |
| Loan and lease loss provision to assets | 1.8211% | 686 |
| Net operating income to assets | -0.5289% | 6,615 |
| Return on assets (ROA) | -0.5229% | 6,660 |
| Pretax return on assets | -1.1408% | 6,915 |
| Return on Equity (ROE) | -4.8271% | 6,641 |
| Retained earnings to average equity (ytd only) | -4.8271% | 6,546 |
| Net charge-offs to loans | 2.0075% | 938 |
| Credit loss provision to net charge-offs | 154.5739% | 2,490 |
| Earnings coverage of net charge-offs (x) | 0.5694% | 5,448 |
| Efficiency ratio | 77.3047% | 2,722 |
| Assets per employee ($millions) | 4.2720% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 1,968 |
| Loan loss allowance to noncurrent loans | 44.5281% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 5.4103% | 1,157 |
| Noncurrent loans to loans | 4.7492% | 1,485 |
| Net loans and leases to total assets | 56.9453% | 5,418 |
| Net loans and leases to deposits | 70.5125% | 5,075 |
| Net loans and leases to core deposits | 81.2862% | 4,345 |
| Total domestic deposits to total assets | 80.7592% | 5,462 |
| Equity capital to assets | 11.2748% | 2,720 |
| Core capital (leverage) ratio | 10.2773% | 2,945 |
| Tier 1 risk-based capital ratio | 14.8898% | 3,305 |
| Total risk-based capital ratio | 16.1458% | 3,282 |
| Memoranda: | ||
| Average total assets | $325,364,500 | 2,024 |
| Average earning assets | $273,610,750 | 2,187 |
| Average equity | $35,244,750 | 1,902 |
| Average total loans | $190,950,250 | 2,278 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 3,333 |
| Cost of funding earning assets | 1.7054% | 2,094 |
| Net interest margin | 3.6220% | 4,725 |
| Noninterest income to average assets | 0.1479% | 6,840 |
| Noninterest expense to average assets | 2.5736% | 5,442 |
| Loan and lease loss provision to assets | 2.1624% | 558 |
| Net operating income to assets | -0.7768% | 6,852 |
| Return on assets (ROA) | -0.7679% | 6,862 |
| Pretax return on assets | -1.5418% | 7,088 |
| Return on Equity (ROE) | -7.1797% | 6,848 |
| Retained earnings to average equity (ytd only) | -7.1797% | 6,756 |
| Net charge-offs to loans | 2.5544% | 663 |
| Credit loss provision to net charge-offs | 143.8554% | 2,760 |
| Earnings coverage of net charge-offs (x) | 0.4036% | 5,324 |
| Efficiency ratio | 78.3789% | 2,661 |
| Assets per employee ($millions) | 4.5505% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7533% | 2,890 |
| Loan loss allowance to noncurrent loans | 37.9330% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 4.9764% | 1,300 |
| Noncurrent loans to loans | 4.6220% | 1,559 |
| Net loans and leases to total assets | 55.7852% | 5,734 |
| Net loans and leases to deposits | 68.9267% | 5,425 |
| Net loans and leases to core deposits | 81.2655% | 4,519 |
| Total domestic deposits to total assets | 80.9341% | 5,425 |
| Equity capital to assets | 10.3062% | 3,644 |
| Core capital (leverage) ratio | 9.9993% | 3,164 |
| Tier 1 risk-based capital ratio | 14.0528% | 3,687 |
| Total risk-based capital ratio | 15.3053% | 3,655 |
| Memoranda: | ||
| Average total assets | $331,292,330 | 2,002 |
| Average earning assets | $277,359,670 | 2,176 |
| Average equity | $35,433,330 | 1,884 |
| Average total loans | $194,954,670 | 2,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3850% | 3,108 |
| Cost of funding earning assets | 1.7511% | 2,122 |
| Net interest margin | 3.6339% | 4,563 |
| Noninterest income to average assets | 0.5066% | 3,997 |
| Noninterest expense to average assets | 2.6163% | 5,283 |
| Loan and lease loss provision to assets | 0.3627% | 3,192 |
| Net operating income to assets | 0.5126% | 4,333 |
| Return on assets (ROA) | 0.5126% | 4,473 |
| Pretax return on assets | 0.5634% | 4,741 |
| Return on Equity (ROE) | 4.7069% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.7069% | 3,321 |
| Net charge-offs to loans | 0.1615% | 3,957 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 9.5750% | 1,833 |
| Efficiency ratio | 71.5700% | 4,004 |
| Assets per employee ($millions) | 4.3803% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 5,256 |
| Loan loss allowance to noncurrent loans | 19.7758% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 6.2562% | 933 |
| Noncurrent loans to loans | 6.2926% | 1,016 |
| Net loans and leases to total assets | 59.6156% | 5,186 |
| Net loans and leases to deposits | 74.9127% | 4,604 |
| Net loans and leases to core deposits | 87.1407% | 3,726 |
| Total domestic deposits to total assets | 79.5801% | 5,920 |
| Equity capital to assets | 11.3090% | 2,495 |
| Core capital (leverage) ratio | 10.4304% | 2,693 |
| Tier 1 risk-based capital ratio | 14.1718% | 3,548 |
| Total risk-based capital ratio | 15.1901% | 3,659 |
| Memoranda: | ||
| Average total assets | $330,843,500 | 2,060 |
| Average earning assets | $276,395,500 | 2,233 |
| Average equity | $36,032,000 | 1,869 |
| Average total loans | $198,122,000 | 2,293 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8257% | 2,548 |
| Cost of funding earning assets | 2.1052% | 2,431 |
| Net interest margin | 3.7206% | 4,040 |
| Noninterest income to average assets | 0.7543% | 2,654 |
| Noninterest expense to average assets | 2.8461% | 4,765 |
| Loan and lease loss provision to assets | 2.0444% | 1,048 |
| Net operating income to assets | -0.3725% | 6,049 |
| Return on assets (ROA) | -0.3653% | 6,033 |
| Pretax return on assets | -0.8632% | 6,314 |
| Return on Equity (ROE) | -3.1840% | 6,011 |
| Retained earnings to average equity (ytd only) | -4.2214% | 5,902 |
| Net charge-offs to loans | 4.0115% | 409 |
| Credit loss provision to net charge-offs | 73.9841% | 6,417 |
| Earnings coverage of net charge-offs (x) | 0.4234% | 5,677 |
| Efficiency ratio | 68.8322% | 4,855 |
| Assets per employee ($millions) | 4.6882% | 2,633 |
| Cash dividends to net income (ytd only)* | -32.5815% | 7,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,880 |
| Loan loss allowance to noncurrent loans | 15.1339% | 7,253 |
| Noncurrent assets plus other real estate owned to assets | 6.4904% | 844 |
| Noncurrent loans to loans | 7.2972% | 736 |
| Net loans and leases to total assets | 58.7640% | 5,524 |
| Net loans and leases to deposits | 73.0176% | 5,189 |
| Net loans and leases to core deposits | 84.5046% | 5,671 |
| Total domestic deposits to total assets | 80.4792% | 5,524 |
| Equity capital to assets | 10.4895% | 3,189 |
| Core capital (leverage) ratio | 10.0224% | 3,065 |
| Tier 1 risk-based capital ratio | 13.6381% | 3,731 |
| Total risk-based capital ratio | 14.5426% | 3,893 |
| Memoranda: | ||
| Average total assets | $327,717,000 | 2,065 |
| Average earning assets | $287,293,600 | 2,143 |
| Average equity | $37,594,000 | 1,784 |
| Average total loans | $225,752,200 | 2,053 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 2,489 |
| Cost of funding earning assets | 2.1631% | 2,584 |
| Net interest margin | 3.7283% | 3,957 |
| Noninterest income to average assets | 0.8092% | 2,382 |
| Noninterest expense to average assets | 2.8985% | 4,459 |
| Loan and lease loss provision to assets | 0.9838% | 1,947 |
| Net operating income to assets | 0.3013% | 4,787 |
| Return on assets (ROA) | 0.3165% | 4,842 |
| Pretax return on assets | 0.2599% | 5,169 |
| Return on Equity (ROE) | 2.6987% | 4,916 |
| Retained earnings to average equity (ytd only) | 1.3354% | 4,573 |
| Net charge-offs to loans | 2.6839% | 674 |
| Credit loss provision to net charge-offs | 51.3809% | 6,286 |
| Earnings coverage of net charge-offs (x) | 0.6416% | 5,384 |
| Efficiency ratio | 68.2360% | 4,926 |
| Assets per employee ($millions) | 4.6382% | 2,650 |
| Cash dividends to net income (ytd only)* | 50.5183% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 5,980 |
| Loan loss allowance to noncurrent loans | 11.2206% | 7,431 |
| Noncurrent assets plus other real estate owned to assets | 7.9580% | 544 |
| Noncurrent loans to loans | 9.4066% | 448 |
| Net loans and leases to total assets | 63.6791% | 4,933 |
| Net loans and leases to deposits | 80.3559% | 4,330 |
| Net loans and leases to core deposits | 95.9346% | 4,824 |
| Total domestic deposits to total assets | 79.2463% | 5,713 |
| Equity capital to assets | 11.0765% | 2,948 |
| Core capital (leverage) ratio | 10.5438% | 2,758 |
| Tier 1 risk-based capital ratio | 13.8106% | 3,660 |
| Total risk-based capital ratio | 14.7103% | 3,818 |
| Memoranda: | ||
| Average total assets | $325,259,500 | 2,097 |
| Average earning assets | $289,454,000 | 2,139 |
| Average equity | $38,140,750 | 1,787 |
| Average total loans | $232,047,500 | 2,042 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0251% | 2,074 |
| Cost of funding earning assets | 2.2201% | 2,702 |
| Net interest margin | 3.8050% | 3,538 |
| Noninterest income to average assets | 0.8266% | 2,289 |
| Noninterest expense to average assets | 2.5872% | 5,790 |
| Loan and lease loss provision to assets | 0.5611% | 2,777 |
| Net operating income to assets | 0.8361% | 2,717 |
| Return on assets (ROA) | 0.8534% | 2,740 |
| Pretax return on assets | 1.1440% | 2,486 |
| Return on Equity (ROE) | 7.1389% | 3,144 |
| Retained earnings to average equity (ytd only) | 5.1052% | 2,453 |
| Net charge-offs to loans | 0.6285% | 2,465 |
| Credit loss provision to net charge-offs | 120.9677% | 3,834 |
| Earnings coverage of net charge-offs (x) | 3.6263% | 3,368 |
| Efficiency ratio | 58.6449% | 6,744 |
| Assets per employee ($millions) | 4.3524% | 3,017 |
| Cash dividends to net income (ytd only)* | 28.4879% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 1,488 |
| Loan loss allowance to noncurrent loans | 22.0661% | 7,012 |
| Noncurrent assets plus other real estate owned to assets | 7.8652% | 489 |
| Noncurrent loans to loans | 9.2626% | 416 |
| Net loans and leases to total assets | 70.3398% | 3,617 |
| Net loans and leases to deposits | 89.7180% | 2,873 |
| Net loans and leases to core deposits | 105.9695% | 3,847 |
| Total domestic deposits to total assets | 78.4010% | 5,975 |
| Equity capital to assets | 11.5998% | 2,468 |
| Core capital (leverage) ratio | 11.1329% | 2,310 |
| Tier 1 risk-based capital ratio | 13.8652% | 3,597 |
| Total risk-based capital ratio | 15.1222% | 3,528 |
| Memoranda: | ||
| Average total assets | $320,816,000 | 2,145 |
| Average earning assets | $290,253,000 | 2,169 |
| Average equity | $38,353,000 | 1,781 |
| Average total loans | $236,759,670 | 2,029 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1273% | 1,841 |
| Cost of funding earning assets | 2.2411% | 2,955 |
| Net interest margin | 3.8862% | 3,102 |
| Noninterest income to average assets | 0.8358% | 2,147 |
| Noninterest expense to average assets | 2.5110% | 5,798 |
| Loan and lease loss provision to assets | 0.3748% | 3,082 |
| Net operating income to assets | 1.1031% | 1,953 |
| Return on assets (ROA) | 1.1368% | 1,959 |
| Pretax return on assets | 1.5641% | 1,497 |
| Return on Equity (ROE) | 9.3695% | 2,585 |
| Retained earnings to average equity (ytd only) | 9.3695% | 1,381 |
| Net charge-offs to loans | 0.4576% | 2,306 |
| Credit loss provision to net charge-offs | 109.4891% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.5292% | 2,656 |
| Efficiency ratio | 55.1206% | 7,090 |
| Assets per employee ($millions) | 4.1591% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 1,549 |
| Loan loss allowance to noncurrent loans | 26.8391% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 6.8035% | 517 |
| Noncurrent loans to loans | 7.2095% | 542 |
| Net loans and leases to total assets | 73.7071% | 2,826 |
| Net loans and leases to deposits | 96.1329% | 1,923 |
| Net loans and leases to core deposits | 117.0401% | 2,679 |
| Total domestic deposits to total assets | 76.6721% | 6,370 |
| Equity capital to assets | 12.4778% | 1,987 |
| Core capital (leverage) ratio | 11.8088% | 1,994 |
| Tier 1 risk-based capital ratio | 14.3591% | 3,389 |
| Total risk-based capital ratio | 15.6152% | 3,309 |
| Memoranda: | ||
| Average total assets | $320,186,500 | 2,162 |
| Average earning assets | $293,962,500 | 2,163 |
| Average equity | $38,849,500 | 1,748 |
| Average total loans | $239,502,500 | 2,027 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7429% | 1,893 |
| Cost of funding earning assets | 2.7505% | 2,923 |
| Net interest margin | 3.9923% | 3,153 |
| Noninterest income to average assets | 0.6674% | 3,351 |
| Noninterest expense to average assets | 2.5967% | 5,668 |
| Loan and lease loss provision to assets | 1.0079% | 1,458 |
| Net operating income to assets | 0.6256% | 4,205 |
| Return on assets (ROA) | 0.6259% | 4,050 |
| Pretax return on assets | 0.7412% | 4,279 |
| Return on Equity (ROE) | 5.1553% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.9122% | 4,044 |
| Net charge-offs to loans | 0.6349% | 1,938 |
| Credit loss provision to net charge-offs | 211.3606% | 2,286 |
| Earnings coverage of net charge-offs (x) | 3.6671% | 4,262 |
| Efficiency ratio | 57.8139% | 6,731 |
| Assets per employee ($millions) | 4.2669% | 3,006 |
| Cash dividends to net income (ytd only)* | 62.9089% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 1,430 |
| Loan loss allowance to noncurrent loans | 30.6655% | 6,678 |
| Noncurrent assets plus other real estate owned to assets | 5.5735% | 570 |
| Noncurrent loans to loans | 6.1741% | 557 |
| Net loans and leases to total assets | 73.0400% | 3,349 |
| Net loans and leases to deposits | 93.2288% | 2,919 |
| Net loans and leases to core deposits | 115.1541% | 3,224 |
| Total domestic deposits to total assets | 78.3449% | 5,596 |
| Equity capital to assets | 11.7977% | 2,433 |
| Core capital (leverage) ratio | 11.4794% | 2,265 |
| Tier 1 risk-based capital ratio | 13.8421% | 3,625 |
| Total risk-based capital ratio | 15.0979% | 3,540 |
| Memoranda: | ||
| Average total assets | $317,477,600 | 2,112 |
| Average earning assets | $292,487,400 | 2,092 |
| Average equity | $38,542,600 | 1,753 |
| Average total loans | $238,459,800 | 1,982 |