Home > First State Bank and Trust > Performance and Condition Ratios
First State Bank and Trust, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 2,903 |
| Cost of funding earning assets | 1.7045% | 2,952 |
| Net interest margin | 3.4095% | 2,266 |
| Noninterest income to average assets | 1.8700% | 275 |
| Noninterest expense to average assets | 3.5591% | 556 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 1.4533% | 982 |
| Return on assets (ROA) | 1.3942% | 1,079 |
| Pretax return on assets | 1.3942% | 1,530 |
| Return on Equity (ROE) | 17.9600% | 574 |
| Retained earnings to average equity (ytd only) | 6.9353% | 1,449 |
| Net charge-offs to loans | 0.0018% | 2,967 |
| Credit loss provision to net charge-offs | 6,400.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 1,232.6000% | 106 |
| Efficiency ratio | 69.8424% | 2,012 |
| Assets per employee ($millions) | 5.8074% | 3,026 |
| Cash dividends to net income (ytd only)* | 61.3844% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 2,061 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 66.8200% | 2,281 |
| Net loans and leases to deposits | 73.1410% | 2,722 |
| Net loans and leases to core deposits | 80.8136% | 2,728 |
| Total domestic deposits to total assets | 91.3600% | 433 |
| Equity capital to assets | 7.8341% | 3,607 |
| Core capital (leverage) ratio | 9.1939% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1572% | 1,490 |
| Memoranda: | ||
| Average total assets | $401,025,000 | 2,040 |
| Average earning assets | $379,824,200 | 2,014 |
| Average equity | $31,130,600 | 2,331 |
| Average total loans | $277,350,200 | 1,941 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 2,830 |
| Cost of funding earning assets | 1.7226% | 2,905 |
| Net interest margin | 3.3917% | 2,245 |
| Noninterest income to average assets | 1.7900% | 280 |
| Noninterest expense to average assets | 3.5314% | 562 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.3819% | 1,131 |
| Return on assets (ROA) | 1.3019% | 1,303 |
| Pretax return on assets | 1.3019% | 1,765 |
| Return on Equity (ROE) | 16.8100% | 712 |
| Retained earnings to average equity (ytd only) | 3.9376% | 2,878 |
| Net charge-offs to loans | 0.0029% | 2,640 |
| Credit loss provision to net charge-offs | 4,000.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 725.3333% | 179 |
| Efficiency ratio | 70.6382% | 1,947 |
| Assets per employee ($millions) | 5.2764% | 3,465 |
| Cash dividends to net income (ytd only)* | 76.5803% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,146 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 69.4100% | 1,921 |
| Net loans and leases to deposits | 76.3305% | 2,501 |
| Net loans and leases to core deposits | 83.6313% | 2,595 |
| Total domestic deposits to total assets | 90.9300% | 364 |
| Equity capital to assets | 8.1602% | 3,613 |
| Core capital (leverage) ratio | 9.0338% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1197% | 1,502 |
| Memoranda: | ||
| Average total assets | $395,296,250 | 2,054 |
| Average earning assets | $374,317,750 | 2,031 |
| Average equity | $30,610,250 | 2,354 |
| Average total loans | $274,994,750 | 1,949 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 2,730 |
| Cost of funding earning assets | 1.7095% | 2,838 |
| Net interest margin | 3.4044% | 2,162 |
| Noninterest income to average assets | 1.6500% | 319 |
| Noninterest expense to average assets | 3.5156% | 559 |
| Loan and lease loss provision to assets | 0.0800% | 1,436 |
| Net operating income to assets | 1.2720% | 1,320 |
| Return on assets (ROA) | 1.1515% | 1,594 |
| Pretax return on assets | 1.1515% | 2,062 |
| Return on Equity (ROE) | 15.1500% | 958 |
| Retained earnings to average equity (ytd only) | 0.8828% | 3,631 |
| Net charge-offs to loans | 0.0037% | 2,344 |
| Credit loss provision to net charge-offs | 3,200.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 533.4000% | 229 |
| Efficiency ratio | 72.1666% | 1,841 |
| Assets per employee ($millions) | 4.9584% | 3,649 |
| Cash dividends to net income (ytd only)* | 94.1722% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 2,164 |
| Loan loss allowance to noncurrent loans | 1,421.2766% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 3,235 |
| Noncurrent loans to loans | 0.0856% | 3,231 |
| Net loans and leases to total assets | 71.9900% | 1,652 |
| Net loans and leases to deposits | 78.9931% | 2,284 |
| Net loans and leases to core deposits | 87.0527% | 2,342 |
| Total domestic deposits to total assets | 91.1400% | 421 |
| Equity capital to assets | 8.0045% | 3,426 |
| Core capital (leverage) ratio | 8.9326% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7236% | 1,612 |
| Memoranda: | ||
| Average total assets | $393,392,000 | 2,057 |
| Average earning assets | $372,047,333 | 2,032 |
| Average equity | $29,906,000 | 2,357 |
| Average total loans | $272,740,000 | 1,955 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0042% | 2,765 |
| Cost of funding earning assets | 1.6414% | 2,882 |
| Net interest margin | 3.3628% | 2,202 |
| Noninterest income to average assets | 1.5000% | 329 |
| Noninterest expense to average assets | 3.3212% | 704 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.2428% | 1,343 |
| Return on assets (ROA) | 1.0068% | 1,915 |
| Pretax return on assets | 1.0068% | 2,357 |
| Return on Equity (ROE) | 13.5800% | 1,223 |
| Retained earnings to average equity (ytd only) | -4.6882% | 4,113 |
| Net charge-offs to loans | 0.0088% | 1,763 |
| Credit loss provision to net charge-offs | 2,000.0000% | 204 |
| Earnings coverage of net charge-offs (x) | 228.0000% | 380 |
| Efficiency ratio | 70.9122% | 2,052 |
| Assets per employee ($millions) | 5.5964% | 3,175 |
| Cash dividends to net income (ytd only)* | 134.5203% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2059% | 2,256 |
| Loan loss allowance to noncurrent loans | 481.6058% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 2,502 |
| Noncurrent loans to loans | 0.2504% | 2,422 |
| Net loans and leases to total assets | 68.0200% | 2,015 |
| Net loans and leases to deposits | 74.0917% | 2,601 |
| Net loans and leases to core deposits | 80.4683% | 2,691 |
| Total domestic deposits to total assets | 91.8000% | 366 |
| Equity capital to assets | 7.4243% | 3,718 |
| Core capital (leverage) ratio | 8.5475% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5226% | 1,698 |
| Memoranda: | ||
| Average total assets | $401,668,000 | 2,040 |
| Average earning assets | $379,922,500 | 2,020 |
| Average equity | $29,777,000 | 2,367 |
| Average total loans | $271,791,000 | 1,954 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,714 |
| Cost of funding earning assets | 1.1478% | 2,944 |
| Net interest margin | 3.5377% | 2,097 |
| Noninterest income to average assets | 1.4000% | 421 |
| Noninterest expense to average assets | 3.4754% | 593 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.1103% | 1,891 |
| Return on assets (ROA) | 1.0831% | 1,941 |
| Pretax return on assets | 1.0831% | 2,458 |
| Return on Equity (ROE) | 14.9400% | 1,302 |
| Retained earnings to average equity (ytd only) | 7.4905% | 1,711 |
| Net charge-offs to loans | -0.0040% | 3,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.4398% | 1,513 |
| Assets per employee ($millions) | 5.4864% | 3,264 |
| Cash dividends to net income (ytd only)* | 49.8537% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,408 |
| Loan loss allowance to noncurrent loans | 594.2164% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 2,648 |
| Noncurrent loans to loans | 0.1985% | 2,518 |
| Net loans and leases to total assets | 65.7200% | 2,284 |
| Net loans and leases to deposits | 71.7033% | 2,767 |
| Net loans and leases to core deposits | 77.6269% | 2,871 |
| Total domestic deposits to total assets | 91.6600% | 365 |
| Equity capital to assets | 7.4026% | 3,769 |
| Core capital (leverage) ratio | 8.8135% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2297% | 1,469 |
| Memoranda: | ||
| Average total assets | $378,547,000 | 2,084 |
| Average earning assets | $356,418,600 | 2,061 |
| Average equity | $27,448,200 | 2,392 |
| Average total loans | $248,653,400 | 2,010 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 2,680 |
| Cost of funding earning assets | 1.0164% | 2,991 |
| Net interest margin | 3.5827% | 2,049 |
| Noninterest income to average assets | 1.3600% | 439 |
| Noninterest expense to average assets | 3.5341% | 532 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.0880% | 2,091 |
| Return on assets (ROA) | 1.0510% | 2,204 |
| Pretax return on assets | 1.0510% | 2,708 |
| Return on Equity (ROE) | 14.5800% | 1,529 |
| Retained earnings to average equity (ytd only) | 5.6573% | 2,733 |
| Net charge-offs to loans | -0.0055% | 3,768 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.7213% | 1,298 |
| Assets per employee ($millions) | 5.1953% | 3,434 |
| Cash dividends to net income (ytd only)* | 61.1945% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 65.9100% | 2,249 |
| Net loans and leases to deposits | 71.5521% | 2,736 |
| Net loans and leases to core deposits | 77.6426% | 2,761 |
| Total domestic deposits to total assets | 92.1200% | 431 |
| Equity capital to assets | 6.9608% | 3,629 |
| Core capital (leverage) ratio | 8.8949% | 3,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9578% | 1,332 |
| Memoranda: | ||
| Average total assets | $371,686,000 | 2,117 |
| Average earning assets | $349,341,250 | 2,101 |
| Average equity | $26,796,750 | 2,407 |
| Average total loans | $243,312,250 | 2,036 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 2,618 |
| Cost of funding earning assets | 0.8894% | 2,959 |
| Net interest margin | 3.6215% | 1,987 |
| Noninterest income to average assets | 1.5300% | 318 |
| Noninterest expense to average assets | 3.5556% | 503 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.2834% | 1,612 |
| Return on assets (ROA) | 1.2276% | 1,746 |
| Pretax return on assets | 1.2276% | 2,293 |
| Return on Equity (ROE) | 16.8300% | 1,129 |
| Retained earnings to average equity (ytd only) | 9.0682% | 1,667 |
| Net charge-offs to loans | -0.0008% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.1050% | 1,545 |
| Assets per employee ($millions) | 4.8981% | 3,676 |
| Cash dividends to net income (ytd only)* | 46.1165% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 2,775 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.2000% | 2,134 |
| Net loans and leases to deposits | 72.1541% | 2,640 |
| Net loans and leases to core deposits | 78.1561% | 2,601 |
| Total domestic deposits to total assets | 91.7500% | 465 |
| Equity capital to assets | 7.4763% | 3,536 |
| Core capital (leverage) ratio | 9.0456% | 3,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6524% | 1,179 |
| Memoranda: | ||
| Average total assets | $369,163,000 | 2,127 |
| Average earning assets | $346,758,333 | 2,112 |
| Average equity | $26,929,333 | 2,416 |
| Average total loans | $240,114,667 | 2,048 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2358% | 2,962 |
| Cost of funding earning assets | 0.7376% | 2,936 |
| Net interest margin | 3.4982% | 2,372 |
| Noninterest income to average assets | 1.5200% | 324 |
| Noninterest expense to average assets | 3.5021% | 535 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2452% | 1,809 |
| Return on assets (ROA) | 1.1339% | 2,082 |
| Pretax return on assets | 1.1339% | 2,611 |
| Return on Equity (ROE) | 15.7400% | 1,411 |
| Retained earnings to average equity (ytd only) | 9.3618% | 1,849 |
| Net charge-offs to loans | -0.0017% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.9401% | 1,443 |
| Assets per employee ($millions) | 5.1192% | 3,561 |
| Cash dividends to net income (ytd only)* | 40.5148% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 2,982 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 63.4100% | 2,305 |
| Net loans and leases to deposits | 69.0013% | 2,690 |
| Net loans and leases to core deposits | 72.7895% | 2,758 |
| Total domestic deposits to total assets | 91.8900% | 542 |
| Equity capital to assets | 7.4329% | 3,597 |
| Core capital (leverage) ratio | 9.0004% | 3,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0035% | 1,151 |
| Memoranda: | ||
| Average total assets | $370,064,000 | 2,156 |
| Average earning assets | $347,607,000 | 2,134 |
| Average equity | $26,661,500 | 2,452 |
| Average total loans | $237,178,500 | 2,086 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4883% | 3,109 |
| Cost of funding earning assets | 0.2248% | 3,554 |
| Net interest margin | 3.2634% | 2,664 |
| Noninterest income to average assets | 1.5000% | 346 |
| Noninterest expense to average assets | 3.4971% | 492 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8778% | 3,052 |
| Return on assets (ROA) | 0.8766% | 2,996 |
| Pretax return on assets | 0.9789% | 3,135 |
| Return on Equity (ROE) | 11.7800% | 2,224 |
| Retained earnings to average equity (ytd only) | 8.2436% | 1,740 |
| Net charge-offs to loans | 0.0054% | 2,231 |
| Credit loss provision to net charge-offs | 2,000.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 315.4167% | 473 |
| Efficiency ratio | 76.9657% | 925 |
| Assets per employee ($millions) | 4.8857% | 3,758 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 2,816 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 63.3500% | 2,301 |
| Net loans and leases to deposits | 68.7305% | 2,684 |
| Net loans and leases to core deposits | 71.8237% | 2,738 |
| Total domestic deposits to total assets | 92.1600% | 597 |
| Equity capital to assets | 6.9717% | 3,682 |
| Core capital (leverage) ratio | 9.1184% | 3,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9017% | 1,145 |
| Memoranda: | ||
| Average total assets | $361,640,200 | 2,173 |
| Average earning assets | $337,588,800 | 2,165 |
| Average equity | $26,917,800 | 2,486 |
| Average total loans | $221,883,400 | 2,098 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 3,091 |
| Cost of funding earning assets | 0.1776% | 3,541 |
| Net interest margin | 3.1553% | 2,761 |
| Noninterest income to average assets | 1.5200% | 357 |
| Noninterest expense to average assets | 3.6314% | 430 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6834% | 3,608 |
| Return on assets (ROA) | 0.6817% | 3,576 |
| Pretax return on assets | 0.7761% | 3,640 |
| Return on Equity (ROE) | 9.0100% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.8300% | 2,809 |
| Net charge-offs to loans | 0.0067% | 1,908 |
| Credit loss provision to net charge-offs | 1,272.7273% | 342 |
| Earnings coverage of net charge-offs (x) | 203.9091% | 615 |
| Efficiency ratio | 81.4013% | 690 |
| Assets per employee ($millions) | 4.6146% | 3,967 |
| Cash dividends to net income (ytd only)* | 35.3228% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 64.4400% | 2,045 |
| Net loans and leases to deposits | 69.9615% | 2,365 |
| Net loans and leases to core deposits | 72.5005% | 2,447 |
| Total domestic deposits to total assets | 92.1100% | 846 |
| Equity capital to assets | 6.8644% | 3,585 |
| Core capital (leverage) ratio | 8.8152% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5821% | 1,267 |
| Memoranda: | ||
| Average total assets | $360,444,000 | 2,194 |
| Average earning assets | $336,361,750 | 2,182 |
| Average equity | $27,260,750 | 2,497 |
| Average total loans | $218,671,250 | 2,118 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1550% | 3,176 |
| Cost of funding earning assets | 0.1594% | 3,455 |
| Net interest margin | 2.9956% | 2,894 |
| Noninterest income to average assets | 1.5306% | 328 |
| Noninterest expense to average assets | 3.5835% | 400 |
| Loan and lease loss provision to assets | 0.0657% | 1,431 |
| Net operating income to assets | 0.5816% | 3,675 |
| Return on assets (ROA) | 0.5816% | 3,623 |
| Pretax return on assets | 0.6801% | 3,626 |
| Return on Equity (ROE) | 7.4713% | 3,170 |
| Retained earnings to average equity (ytd only) | 4.4181% | 2,915 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7726% | 752 |
| Assets per employee ($millions) | 4.5222% | 4,057 |
| Cash dividends to net income (ytd only)* | 40.8663% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 62.5435% | 2,063 |
| Net loans and leases to deposits | 68.1454% | 2,382 |
| Net loans and leases to core deposits | 70.1512% | 2,479 |
| Total domestic deposits to total assets | 91.7796% | 933 |
| Equity capital to assets | 7.3115% | 3,596 |
| Core capital (leverage) ratio | 8.6690% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3615% | 1,338 |
| Memoranda: | ||
| Average total assets | $365,228,000 | 2,178 |
| Average earning assets | $341,236,333 | 2,177 |
| Average equity | $28,428,667 | 2,501 |
| Average total loans | $216,379,333 | 2,137 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0098% | 3,228 |
| Cost of funding earning assets | 0.1588% | 3,392 |
| Net interest margin | 2.8510% | 2,985 |
| Noninterest income to average assets | 1.5369% | 344 |
| Noninterest expense to average assets | 3.4687% | 433 |
| Loan and lease loss provision to assets | 0.0642% | 1,265 |
| Net operating income to assets | 0.5619% | 3,516 |
| Return on assets (ROA) | 0.5619% | 3,493 |
| Pretax return on assets | 0.6743% | 3,464 |
| Return on Equity (ROE) | 7.0202% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.1185% | 2,894 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4472% | 953 |
| Assets per employee ($millions) | 5.0637% | 3,698 |
| Cash dividends to net income (ytd only)* | 41.3333% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 56.3297% | 2,500 |
| Net loans and leases to deposits | 61.2865% | 2,776 |
| Net loans and leases to core deposits | 63.0204% | 2,888 |
| Total domestic deposits to total assets | 91.9122% | 610 |
| Equity capital to assets | 7.3087% | 4,045 |
| Core capital (leverage) ratio | 8.6659% | 3,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6660% | 1,352 |
| Memoranda: | ||
| Average total assets | $373,738,500 | 2,156 |
| Average earning assets | $350,054,500 | 2,146 |
| Average equity | $29,913,500 | 2,488 |
| Average total loans | $214,422,500 | 2,145 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1736% | 3,531 |
| Cost of funding earning assets | 0.2222% | 3,229 |
| Net interest margin | 2.9515% | 3,316 |
| Noninterest income to average assets | 1.6700% | 408 |
| Noninterest expense to average assets | 3.3466% | 587 |
| Loan and lease loss provision to assets | 0.0169% | 2,739 |
| Net operating income to assets | 1.0833% | 2,357 |
| Return on assets (ROA) | 1.0858% | 2,422 |
| Pretax return on assets | 1.0858% | 3,016 |
| Return on Equity (ROE) | 12.5008% | 1,647 |
| Retained earnings to average equity (ytd only) | 7.4033% | 1,761 |
| Net charge-offs to loans | -0.0267% | 4,082 |
| Credit loss provision to net charge-offs | -111.1111% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2594% | 1,178 |
| Assets per employee ($millions) | 4.8381% | 3,857 |
| Cash dividends to net income (ytd only)* | 40.7772% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1258% | 3,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.1318% | 2,463 |
| Net loans and leases to deposits | 63.2697% | 2,756 |
| Net loans and leases to core deposits | 65.0843% | 2,896 |
| Total domestic deposits to total assets | 90.2988% | 811 |
| Equity capital to assets | 8.7219% | 3,867 |
| Core capital (leverage) ratio | 8.5201% | 3,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4172% | 1,707 |
| Memoranda: | ||
| Average total assets | $355,499,200 | 2,172 |
| Average earning assets | $334,444,800 | 2,165 |
| Average equity | $30,878,000 | 2,480 |
| Average total loans | $202,542,200 | 2,217 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1895% | 3,623 |
| Cost of funding earning assets | 0.2304% | 3,322 |
| Net interest margin | 2.9591% | 3,419 |
| Noninterest income to average assets | 1.6611% | 458 |
| Noninterest expense to average assets | 3.3199% | 587 |
| Loan and lease loss provision to assets | 0.0150% | 2,695 |
| Net operating income to assets | 1.1194% | 2,482 |
| Return on assets (ROA) | 1.1194% | 2,536 |
| Pretax return on assets | 1.1194% | 3,158 |
| Return on Equity (ROE) | 12.9014% | 1,724 |
| Retained earnings to average equity (ytd only) | 6.0430% | 2,798 |
| Net charge-offs to loans | -0.0360% | 4,211 |
| Credit loss provision to net charge-offs | -74.0741% | 3,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5308% | 1,171 |
| Assets per employee ($millions) | 5.1114% | 3,588 |
| Cash dividends to net income (ytd only)* | 53.1599% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 53.6465% | 3,011 |
| Net loans and leases to deposits | 59.2776% | 3,301 |
| Net loans and leases to core deposits | 61.5150% | 3,361 |
| Total domestic deposits to total assets | 90.5004% | 564 |
| Equity capital to assets | 8.4300% | 4,258 |
| Core capital (leverage) ratio | 8.1483% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9855% | 1,352 |
| Memoranda: | ||
| Average total assets | $352,449,750 | 2,202 |
| Average earning assets | $332,710,500 | 2,194 |
| Average equity | $30,580,000 | 2,525 |
| Average total loans | $200,061,750 | 2,271 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 3,947 |
| Cost of funding earning assets | 0.2330% | 3,444 |
| Net interest margin | 2.8221% | 3,744 |
| Noninterest income to average assets | 1.7346% | 414 |
| Noninterest expense to average assets | 3.3361% | 589 |
| Loan and lease loss provision to assets | 0.0232% | 2,511 |
| Net operating income to assets | 1.0458% | 2,735 |
| Return on assets (ROA) | 1.0458% | 2,814 |
| Pretax return on assets | 1.0458% | 3,340 |
| Return on Equity (ROE) | 11.9320% | 2,094 |
| Retained earnings to average equity (ytd only) | 2.9780% | 3,844 |
| Net charge-offs to loans | -0.0512% | 4,384 |
| Credit loss provision to net charge-offs | -78.4314% | 3,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7325% | 1,107 |
| Assets per employee ($millions) | 4.2537% | 4,296 |
| Cash dividends to net income (ytd only)* | 75.0415% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 55.2648% | 2,986 |
| Net loans and leases to deposits | 61.6405% | 3,236 |
| Net loans and leases to core deposits | 64.3489% | 3,261 |
| Total domestic deposits to total assets | 89.6567% | 946 |
| Equity capital to assets | 8.6708% | 4,077 |
| Core capital (leverage) ratio | 8.1456% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8652% | 1,154 |
| Memoranda: | ||
| Average total assets | $345,556,333 | 2,226 |
| Average earning assets | $326,989,667 | 2,211 |
| Average equity | $30,288,333 | 2,531 |
| Average total loans | $199,234,667 | 2,281 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9994% | 4,086 |
| Cost of funding earning assets | 0.2331% | 3,619 |
| Net interest margin | 2.7663% | 3,839 |
| Noninterest income to average assets | 1.8256% | 429 |
| Noninterest expense to average assets | 3.3060% | 601 |
| Loan and lease loss provision to assets | 0.0468% | 2,144 |
| Net operating income to assets | 1.0977% | 2,484 |
| Return on assets (ROA) | 1.0977% | 2,559 |
| Pretax return on assets | 1.0977% | 3,118 |
| Return on Equity (ROE) | 12.4544% | 1,850 |
| Retained earnings to average equity (ytd only) | -0.8763% | 4,450 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2835% | 1,285 |
| Assets per employee ($millions) | 4.9580% | 3,709 |
| Cash dividends to net income (ytd only)* | 107.0362% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.6965% | 3,272 |
| Net loans and leases to deposits | 59.5079% | 3,518 |
| Net loans and leases to core deposits | 62.2355% | 3,561 |
| Total domestic deposits to total assets | 90.2342% | 705 |
| Equity capital to assets | 8.1840% | 4,372 |
| Core capital (leverage) ratio | 8.6360% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6749% | 1,129 |
| Memoranda: | ||
| Average total assets | $341,804,500 | 2,229 |
| Average earning assets | $324,334,500 | 2,204 |
| Average equity | $30,126,000 | 2,532 |
| Average total loans | $200,108,500 | 2,284 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 2,946 |
| Cost of funding earning assets | 0.3418% | 3,919 |
| Net interest margin | 3.5846% | 2,195 |
| Noninterest income to average assets | 1.7479% | 410 |
| Noninterest expense to average assets | 3.7409% | 501 |
| Loan and lease loss provision to assets | 0.1358% | 2,663 |
| Net operating income to assets | 1.2790% | 1,309 |
| Return on assets (ROA) | 1.2790% | 1,408 |
| Pretax return on assets | 1.2790% | 2,049 |
| Return on Equity (ROE) | 14.2432% | 754 |
| Retained earnings to average equity (ytd only) | 6.3597% | 1,646 |
| Net charge-offs to loans | 0.0140% | 2,845 |
| Credit loss provision to net charge-offs | 1,428.5714% | 583 |
| Earnings coverage of net charge-offs (x) | 148.8214% | 580 |
| Efficiency ratio | 72.5584% | 1,622 |
| Assets per employee ($millions) | 4.4677% | 3,949 |
| Cash dividends to net income (ytd only)* | 55.3491% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,372 |
| Loan loss allowance to noncurrent loans | 11,390.0000% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,418 |
| Noncurrent loans to loans | 0.0098% | 4,341 |
| Net loans and leases to total assets | 62.5710% | 2,531 |
| Net loans and leases to deposits | 70.7481% | 2,802 |
| Net loans and leases to core deposits | 74.5078% | 2,862 |
| Total domestic deposits to total assets | 88.4420% | 1,256 |
| Equity capital to assets | 9.5224% | 3,588 |
| Core capital (leverage) ratio | 9.2073% | 3,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4176% | 1,422 |
| Memoranda: | ||
| Average total assets | $294,530,400 | 2,320 |
| Average earning assets | $280,003,400 | 2,291 |
| Average equity | $26,447,800 | 2,715 |
| Average total loans | $200,316,600 | 2,235 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 2,986 |
| Cost of funding earning assets | 0.3699% | 3,956 |
| Net interest margin | 3.6260% | 2,173 |
| Noninterest income to average assets | 1.5912% | 469 |
| Noninterest expense to average assets | 3.8807% | 422 |
| Loan and lease loss provision to assets | 0.1227% | 2,798 |
| Net operating income to assets | 1.0440% | 2,175 |
| Return on assets (ROA) | 1.0440% | 2,299 |
| Pretax return on assets | 1.0440% | 2,926 |
| Return on Equity (ROE) | 11.8255% | 1,426 |
| Retained earnings to average equity (ytd only) | 2.5877% | 3,692 |
| Net charge-offs to loans | 0.0074% | 2,860 |
| Credit loss provision to net charge-offs | 2,409.0909% | 417 |
| Earnings coverage of net charge-offs (x) | 228.9091% | 451 |
| Efficiency ratio | 76.8842% | 1,128 |
| Assets per employee ($millions) | 4.2590% | 4,084 |
| Cash dividends to net income (ytd only)* | 78.1181% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,540 |
| Loan loss allowance to noncurrent loans | 9,818.1818% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,480 |
| Noncurrent loans to loans | 0.0105% | 4,404 |
| Net loans and leases to total assets | 66.4752% | 2,451 |
| Net loans and leases to deposits | 74.6199% | 2,897 |
| Net loans and leases to core deposits | 78.6952% | 2,947 |
| Total domestic deposits to total assets | 89.0851% | 735 |
| Equity capital to assets | 8.7300% | 4,306 |
| Core capital (leverage) ratio | 8.5150% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7422% | 1,574 |
| Memoranda: | ||
| Average total assets | $287,744,750 | 2,341 |
| Average earning assets | $274,273,750 | 2,304 |
| Average equity | $25,402,000 | 2,763 |
| Average total loans | $199,507,750 | 2,238 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1193% | 2,998 |
| Cost of funding earning assets | 0.4128% | 3,982 |
| Net interest margin | 3.7065% | 2,139 |
| Noninterest income to average assets | 1.5777% | 416 |
| Noninterest expense to average assets | 3.9418% | 434 |
| Loan and lease loss provision to assets | 0.1143% | 2,878 |
| Net operating income to assets | 1.0549% | 2,128 |
| Return on assets (ROA) | 1.0549% | 2,261 |
| Pretax return on assets | 1.0549% | 2,857 |
| Return on Equity (ROE) | 11.9007% | 1,352 |
| Retained earnings to average equity (ytd only) | 1.4423% | 3,959 |
| Net charge-offs to loans | 0.0010% | 2,999 |
| Credit loss provision to net charge-offs | 16,000.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 1,637.0000% | 45 |
| Efficiency ratio | 77.1241% | 1,145 |
| Assets per employee ($millions) | 3.8913% | 4,401 |
| Cash dividends to net income (ytd only)* | 87.8808% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,573 |
| Loan loss allowance to noncurrent loans | 13,766.6667% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 4,565 |
| Noncurrent loans to loans | 0.0073% | 4,493 |
| Net loans and leases to total assets | 71.8694% | 1,736 |
| Net loans and leases to deposits | 81.1755% | 2,294 |
| Net loans and leases to core deposits | 85.9808% | 2,441 |
| Total domestic deposits to total assets | 88.5358% | 929 |
| Equity capital to assets | 9.1732% | 3,951 |
| Core capital (leverage) ratio | 8.5693% | 4,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4317% | 1,654 |
| Memoranda: | ||
| Average total assets | $280,025,000 | 2,359 |
| Average earning assets | $266,936,667 | 2,323 |
| Average equity | $24,822,000 | 2,792 |
| Average total loans | $196,399,000 | 2,244 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 3,245 |
| Cost of funding earning assets | 0.4655% | 4,090 |
| Net interest margin | 3.7251% | 2,237 |
| Noninterest income to average assets | 1.6388% | 336 |
| Noninterest expense to average assets | 3.9438% | 535 |
| Loan and lease loss provision to assets | 0.1367% | 2,014 |
| Net operating income to assets | 1.1165% | 1,795 |
| Return on assets (ROA) | 1.1165% | 1,889 |
| Pretax return on assets | 1.1165% | 2,463 |
| Return on Equity (ROE) | 12.8243% | 907 |
| Retained earnings to average equity (ytd only) | -1.9005% | 4,238 |
| Net charge-offs to loans | 0.0063% | 2,352 |
| Credit loss provision to net charge-offs | 3,166.6667% | 246 |
| Earnings coverage of net charge-offs (x) | 290.3333% | 246 |
| Efficiency ratio | 75.8859% | 1,574 |
| Assets per employee ($millions) | 3.7373% | 4,238 |
| Cash dividends to net income (ytd only)* | 114.8196% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 3,486 |
| Loan loss allowance to noncurrent loans | 1,939.8058% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 4,428 |
| Noncurrent loans to loans | 0.0536% | 4,338 |
| Net loans and leases to total assets | 68.6971% | 2,438 |
| Net loans and leases to deposits | 76.7644% | 3,004 |
| Net loans and leases to core deposits | 81.5984% | 3,052 |
| Total domestic deposits to total assets | 89.4909% | 475 |
| Equity capital to assets | 8.5352% | 4,815 |
| Core capital (leverage) ratio | 8.5866% | 4,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7648% | 1,986 |
| Memoranda: | ||
| Average total assets | $278,003,500 | 2,336 |
| Average earning assets | $265,549,000 | 2,284 |
| Average equity | $24,204,000 | 2,835 |
| Average total loans | $191,487,000 | 2,245 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 3,386 |
| Cost of funding earning assets | 0.4403% | 4,307 |
| Net interest margin | 3.9117% | 2,133 |
| Noninterest income to average assets | 1.6212% | 355 |
| Noninterest expense to average assets | 3.9419% | 569 |
| Loan and lease loss provision to assets | 0.0474% | 3,078 |
| Net operating income to assets | 1.3597% | 1,475 |
| Return on assets (ROA) | 1.3669% | 1,538 |
| Pretax return on assets | 1.3669% | 2,277 |
| Return on Equity (ROE) | 15.1284% | 667 |
| Retained earnings to average equity (ytd only) | 5.9238% | 1,906 |
| Net charge-offs to loans | 0.0221% | 2,973 |
| Credit loss provision to net charge-offs | 304.8780% | 909 |
| Earnings coverage of net charge-offs (x) | 90.5366% | 730 |
| Efficiency ratio | 73.6943% | 1,638 |
| Assets per employee ($millions) | 3.7763% | 4,176 |
| Cash dividends to net income (ytd only)* | 60.8430% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 3,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.6627% | 2,733 |
| Net loans and leases to deposits | 76.1945% | 3,159 |
| Net loans and leases to core deposits | 80.7894% | 3,233 |
| Total domestic deposits to total assets | 88.8026% | 750 |
| Equity capital to assets | 8.8757% | 4,753 |
| Core capital (leverage) ratio | 8.5903% | 4,790 |
| Tier 1 risk-based capital ratio | 14.2223% | 3,158 |
| Total risk-based capital ratio | 15.3548% | 3,125 |
| Memoranda: | ||
| Average total assets | $263,809,800 | 2,374 |
| Average earning assets | $251,402,000 | 2,329 |
| Average equity | $23,836,000 | 2,809 |
| Average total loans | $185,549,000 | 2,269 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 3,501 |
| Cost of funding earning assets | 0.4367% | 4,376 |
| Net interest margin | 3.9182% | 2,195 |
| Noninterest income to average assets | 1.6237% | 354 |
| Noninterest expense to average assets | 3.9660% | 552 |
| Loan and lease loss provision to assets | 0.0564% | 2,771 |
| Net operating income to assets | 1.3343% | 1,707 |
| Return on assets (ROA) | 1.3343% | 1,780 |
| Pretax return on assets | 1.3343% | 2,552 |
| Return on Equity (ROE) | 14.6981% | 848 |
| Retained earnings to average equity (ytd only) | 4.7525% | 3,027 |
| Net charge-offs to loans | 0.0297% | 2,486 |
| Credit loss provision to net charge-offs | 268.2927% | 1,033 |
| Earnings coverage of net charge-offs (x) | 66.1163% | 996 |
| Efficiency ratio | 74.0375% | 1,561 |
| Assets per employee ($millions) | 3.6830% | 4,298 |
| Cash dividends to net income (ytd only)* | 67.6664% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,535 |
| Loan loss allowance to noncurrent loans | 17,190.9091% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,755 |
| Noncurrent loans to loans | 0.0059% | 4,661 |
| Net loans and leases to total assets | 70.1463% | 2,446 |
| Net loans and leases to deposits | 79.2398% | 2,981 |
| Net loans and leases to core deposits | 83.0906% | 3,174 |
| Total domestic deposits to total assets | 88.5241% | 814 |
| Equity capital to assets | 9.3411% | 4,568 |
| Core capital (leverage) ratio | 8.8795% | 4,726 |
| Tier 1 risk-based capital ratio | 14.4445% | 3,106 |
| Total risk-based capital ratio | 15.6135% | 3,055 |
| Memoranda: | ||
| Average total assets | $259,900,250 | 2,418 |
| Average earning assets | $247,622,000 | 2,367 |
| Average equity | $23,594,250 | 2,838 |
| Average total loans | $184,189,250 | 2,299 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 3,685 |
| Cost of funding earning assets | 0.4373% | 4,365 |
| Net interest margin | 3.8444% | 2,421 |
| Noninterest income to average assets | 1.6084% | 355 |
| Noninterest expense to average assets | 3.9141% | 592 |
| Loan and lease loss provision to assets | 0.0465% | 2,885 |
| Net operating income to assets | 1.3187% | 1,702 |
| Return on assets (ROA) | 1.3187% | 1,764 |
| Pretax return on assets | 1.3187% | 2,484 |
| Return on Equity (ROE) | 14.6709% | 834 |
| Retained earnings to average equity (ytd only) | 3.2497% | 3,599 |
| Net charge-offs to loans | 0.0459% | 1,998 |
| Credit loss provision to net charge-offs | 142.8571% | 1,545 |
| Earnings coverage of net charge-offs (x) | 41.9524% | 1,212 |
| Efficiency ratio | 74.1415% | 1,624 |
| Assets per employee ($millions) | 3.5652% | 4,424 |
| Cash dividends to net income (ytd only)* | 77.8496% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 3,632 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.0447% | 2,523 |
| Net loans and leases to deposits | 79.0820% | 3,050 |
| Net loans and leases to core deposits | 83.0436% | 3,194 |
| Total domestic deposits to total assets | 88.5722% | 846 |
| Equity capital to assets | 9.2457% | 4,617 |
| Core capital (leverage) ratio | 8.7234% | 4,822 |
| Tier 1 risk-based capital ratio | 14.2401% | 3,192 |
| Total risk-based capital ratio | 15.3842% | 3,167 |
| Memoranda: | ||
| Average total assets | $258,142,670 | 2,433 |
| Average earning assets | $246,485,670 | 2,379 |
| Average equity | $23,202,330 | 2,865 |
| Average total loans | $182,952,330 | 2,316 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1798% | 3,928 |
| Cost of funding earning assets | 0.4346% | 4,349 |
| Net interest margin | 3.7452% | 2,723 |
| Noninterest income to average assets | 1.6477% | 327 |
| Noninterest expense to average assets | 3.8509% | 623 |
| Loan and lease loss provision to assets | 0.0467% | 2,716 |
| Net operating income to assets | 1.3303% | 1,596 |
| Return on assets (ROA) | 1.3303% | 1,635 |
| Pretax return on assets | 1.3303% | 2,331 |
| Return on Equity (ROE) | 15.0184% | 746 |
| Retained earnings to average equity (ytd only) | 1.1944% | 4,274 |
| Net charge-offs to loans | 0.0877% | 1,225 |
| Credit loss provision to net charge-offs | 75.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,511 |
| Efficiency ratio | 73.6607% | 1,792 |
| Assets per employee ($millions) | 3.9114% | 4,053 |
| Cash dividends to net income (ytd only)* | 92.0468% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,685 |
| Loan loss allowance to noncurrent loans | 1,362.4060% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,571 |
| Noncurrent loans to loans | 0.0736% | 4,430 |
| Net loans and leases to total assets | 69.2543% | 2,588 |
| Net loans and leases to deposits | 77.7075% | 3,093 |
| Net loans and leases to core deposits | 81.3816% | 3,233 |
| Total domestic deposits to total assets | 89.1218% | 804 |
| Equity capital to assets | 8.9119% | 4,741 |
| Core capital (leverage) ratio | 8.8540% | 4,751 |
| Tier 1 risk-based capital ratio | 14.0826% | 3,302 |
| Total risk-based capital ratio | 15.2121% | 3,275 |
| Memoranda: | ||
| Average total assets | $257,083,500 | 2,467 |
| Average earning assets | $245,754,000 | 2,410 |
| Average equity | $22,772,000 | 2,903 |
| Average total loans | $182,359,000 | 2,344 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2458% | 3,293 |
| Cost of funding earning assets | 0.3122% | 4,502 |
| Net interest margin | 3.9335% | 2,213 |
| Noninterest income to average assets | 1.7156% | 329 |
| Noninterest expense to average assets | 4.0936% | 475 |
| Loan and lease loss provision to assets | 0.0554% | 3,059 |
| Net operating income to assets | 1.3047% | 1,776 |
| Return on assets (ROA) | 1.2904% | 1,836 |
| Pretax return on assets | 1.2904% | 2,542 |
| Return on Equity (ROE) | 14.4363% | 953 |
| Retained earnings to average equity (ytd only) | 4.9682% | 2,777 |
| Net charge-offs to loans | -0.0017% | 4,219 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0602% | 1,487 |
| Assets per employee ($millions) | 3.6574% | 4,382 |
| Cash dividends to net income (ytd only)* | 65.5852% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,766 |
| Loan loss allowance to noncurrent loans | 1,359.7015% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,582 |
| Noncurrent loans to loans | 0.0728% | 4,426 |
| Net loans and leases to total assets | 71.2078% | 2,395 |
| Net loans and leases to deposits | 80.8716% | 2,868 |
| Net loans and leases to core deposits | 84.4293% | 3,040 |
| Total domestic deposits to total assets | 88.0504% | 1,278 |
| Equity capital to assets | 8.8033% | 4,733 |
| Core capital (leverage) ratio | 8.9379% | 4,703 |
| Tier 1 risk-based capital ratio | 13.8880% | 3,336 |
| Total risk-based capital ratio | 15.0114% | 3,335 |
| Memoranda: | ||
| Average total assets | $243,649,400 | 2,519 |
| Average earning assets | $231,547,600 | 2,475 |
| Average equity | $21,778,400 | 2,909 |
| Average total loans | $177,032,600 | 2,354 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,243 |
| Cost of funding earning assets | 0.2878% | 4,599 |
| Net interest margin | 3.9337% | 2,182 |
| Noninterest income to average assets | 1.7420% | 342 |
| Noninterest expense to average assets | 4.1641% | 417 |
| Loan and lease loss provision to assets | 0.0554% | 2,865 |
| Net operating income to assets | 1.2576% | 2,011 |
| Return on assets (ROA) | 1.2382% | 2,093 |
| Pretax return on assets | 1.2382% | 2,851 |
| Return on Equity (ROE) | 13.7971% | 1,174 |
| Retained earnings to average equity (ytd only) | 4.7493% | 3,372 |
| Net charge-offs to loans | 0.0152% | 2,879 |
| Credit loss provision to net charge-offs | 500.0000% | 694 |
| Earnings coverage of net charge-offs (x) | 118.4323% | 666 |
| Efficiency ratio | 76.0271% | 1,345 |
| Assets per employee ($millions) | 3.4671% | 4,601 |
| Cash dividends to net income (ytd only)* | 65.5773% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 3,929 |
| Loan loss allowance to noncurrent loans | 3,266.6667% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,880 |
| Noncurrent loans to loans | 0.0298% | 4,758 |
| Net loans and leases to total assets | 73.9783% | 1,987 |
| Net loans and leases to deposits | 85.4306% | 2,430 |
| Net loans and leases to core deposits | 89.8172% | 2,676 |
| Total domestic deposits to total assets | 86.5946% | 1,917 |
| Equity capital to assets | 8.9520% | 4,595 |
| Core capital (leverage) ratio | 9.1409% | 4,573 |
| Tier 1 risk-based capital ratio | 13.7677% | 3,479 |
| Total risk-based capital ratio | 14.8611% | 3,473 |
| Memoranda: | ||
| Average total assets | $240,557,500 | 2,550 |
| Average earning assets | $228,411,750 | 2,509 |
| Average equity | $21,588,500 | 2,943 |
| Average total loans | $175,259,250 | 2,385 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,244 |
| Cost of funding earning assets | 0.2768% | 4,581 |
| Net interest margin | 3.8823% | 2,269 |
| Noninterest income to average assets | 1.7353% | 344 |
| Noninterest expense to average assets | 4.1802% | 422 |
| Loan and lease loss provision to assets | 0.0500% | 2,915 |
| Net operating income to assets | 1.1891% | 2,243 |
| Return on assets (ROA) | 1.1599% | 2,352 |
| Pretax return on assets | 1.1599% | 3,098 |
| Return on Equity (ROE) | 12.9139% | 1,401 |
| Retained earnings to average equity (ytd only) | 2.8316% | 4,122 |
| Net charge-offs to loans | 0.0208% | 2,465 |
| Credit loss provision to net charge-offs | 333.3333% | 935 |
| Earnings coverage of net charge-offs (x) | 82.5556% | 811 |
| Efficiency ratio | 77.1349% | 1,293 |
| Assets per employee ($millions) | 3.2604% | 4,867 |
| Cash dividends to net income (ytd only)* | 78.0733% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,880 |
| Loan loss allowance to noncurrent loans | 3,138.1818% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 4,915 |
| Noncurrent loans to loans | 0.0317% | 4,777 |
| Net loans and leases to total assets | 72.1806% | 2,248 |
| Net loans and leases to deposits | 81.2098% | 2,841 |
| Net loans and leases to core deposits | 85.5627% | 2,959 |
| Total domestic deposits to total assets | 88.8816% | 982 |
| Equity capital to assets | 9.0383% | 4,528 |
| Core capital (leverage) ratio | 9.1672% | 4,500 |
| Tier 1 risk-based capital ratio | 13.6239% | 3,550 |
| Total risk-based capital ratio | 14.7051% | 3,558 |
| Memoranda: | ||
| Average total assets | $239,845,330 | 2,564 |
| Average earning assets | $227,596,670 | 2,530 |
| Average equity | $21,542,670 | 2,962 |
| Average total loans | $173,244,000 | 2,418 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,408 |
| Cost of funding earning assets | 0.2631% | 4,631 |
| Net interest margin | 3.7883% | 2,468 |
| Noninterest income to average assets | 1.6913% | 352 |
| Noninterest expense to average assets | 4.2183% | 399 |
| Loan and lease loss provision to assets | 0.0498% | 2,781 |
| Net operating income to assets | 1.0118% | 2,812 |
| Return on assets (ROA) | 0.9536% | 3,078 |
| Pretax return on assets | 0.9536% | 3,693 |
| Return on Equity (ROE) | 10.6503% | 2,106 |
| Retained earnings to average equity (ytd only) | -0.4268% | 4,852 |
| Net charge-offs to loans | 0.0046% | 2,567 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 319.5000% | 212 |
| Efficiency ratio | 79.8930% | 1,149 |
| Assets per employee ($millions) | 3.3505% | 4,844 |
| Cash dividends to net income (ytd only)* | 104.0070% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 4,020 |
| Loan loss allowance to noncurrent loans | 403.7736% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 3,864 |
| Noncurrent loans to loans | 0.2452% | 3,886 |
| Net loans and leases to total assets | 71.9597% | 2,172 |
| Net loans and leases to deposits | 80.7466% | 2,724 |
| Net loans and leases to core deposits | 84.7960% | 2,911 |
| Total domestic deposits to total assets | 89.1179% | 1,043 |
| Equity capital to assets | 8.9341% | 4,628 |
| Core capital (leverage) ratio | 9.0030% | 4,674 |
| Tier 1 risk-based capital ratio | 13.4252% | 3,705 |
| Total risk-based capital ratio | 14.4982% | 3,718 |
| Memoranda: | ||
| Average total assets | $240,763,000 | 2,576 |
| Average earning assets | $228,068,500 | 2,548 |
| Average equity | $21,558,000 | 2,992 |
| Average total loans | $173,104,500 | 2,436 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 3,148 |
| Cost of funding earning assets | 0.2684% | 4,412 |
| Net interest margin | 3.8074% | 2,401 |
| Noninterest income to average assets | 1.6440% | 394 |
| Noninterest expense to average assets | 3.9854% | 546 |
| Loan and lease loss provision to assets | 0.0947% | 2,308 |
| Net operating income to assets | 1.1715% | 1,611 |
| Return on assets (ROA) | 1.2233% | 1,468 |
| Pretax return on assets | 1.2233% | 2,671 |
| Return on Equity (ROE) | 13.8709% | 777 |
| Retained earnings to average equity (ytd only) | 6.2311% | 1,422 |
| Net charge-offs to loans | 0.0324% | 3,136 |
| Credit loss provision to net charge-offs | 409.0909% | 743 |
| Earnings coverage of net charge-offs (x) | 54.6727% | 1,027 |
| Efficiency ratio | 75.8881% | 1,634 |
| Assets per employee ($millions) | 3.4806% | 4,725 |
| Cash dividends to net income (ytd only)* | 55.0775% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 4,100 |
| Loan loss allowance to noncurrent loans | 516.5644% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2052% | 4,110 |
| Noncurrent loans to loans | 0.1881% | 4,164 |
| Net loans and leases to total assets | 70.4445% | 2,457 |
| Net loans and leases to deposits | 80.2059% | 2,891 |
| Net loans and leases to core deposits | 84.2915% | 3,036 |
| Total domestic deposits to total assets | 87.8296% | 1,593 |
| Equity capital to assets | 8.9735% | 4,749 |
| Core capital (leverage) ratio | 8.8218% | 4,839 |
| Tier 1 risk-based capital ratio | 13.0120% | 3,896 |
| Total risk-based capital ratio | 14.0339% | 3,938 |
| Memoranda: | ||
| Average total assets | $237,469,600 | 2,582 |
| Average earning assets | $225,006,800 | 2,547 |
| Average equity | $20,943,200 | 3,037 |
| Average total loans | $169,735,200 | 2,424 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,058 |
| Cost of funding earning assets | 0.2664% | 4,435 |
| Net interest margin | 3.8122% | 2,352 |
| Noninterest income to average assets | 1.6536% | 410 |
| Noninterest expense to average assets | 3.9847% | 526 |
| Loan and lease loss provision to assets | 0.1045% | 2,021 |
| Net operating income to assets | 1.1794% | 1,778 |
| Return on assets (ROA) | 1.2489% | 1,538 |
| Pretax return on assets | 1.2489% | 2,712 |
| Return on Equity (ROE) | 14.2256% | 786 |
| Retained earnings to average equity (ytd only) | 7.4154% | 1,479 |
| Net charge-offs to loans | 0.0458% | 2,527 |
| Credit loss provision to net charge-offs | 318.9655% | 940 |
| Earnings coverage of net charge-offs (x) | 39.1732% | 1,322 |
| Efficiency ratio | 75.6302% | 1,649 |
| Assets per employee ($millions) | 3.6204% | 4,560 |
| Cash dividends to net income (ytd only)* | 47.8733% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 4,364 |
| Loan loss allowance to noncurrent loans | 391.6468% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 4,411 |
| Noncurrent loans to loans | 0.2405% | 4,093 |
| Net loans and leases to total assets | 71.1322% | 2,386 |
| Net loans and leases to deposits | 80.7926% | 2,894 |
| Net loans and leases to core deposits | 85.1006% | 3,039 |
| Total domestic deposits to total assets | 88.0429% | 1,342 |
| Equity capital to assets | 9.0119% | 4,905 |
| Core capital (leverage) ratio | 8.9282% | 4,826 |
| Tier 1 risk-based capital ratio | 14.1448% | 3,382 |
| Total risk-based capital ratio | 15.2350% | 3,366 |
| Memoranda: | ||
| Average total assets | $235,927,000 | 2,620 |
| Average earning assets | $223,732,250 | 2,577 |
| Average equity | $20,713,250 | 3,083 |
| Average total loans | $168,840,250 | 2,451 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0645% | 2,961 |
| Cost of funding earning assets | 0.2649% | 4,420 |
| Net interest margin | 3.7997% | 2,287 |
| Noninterest income to average assets | 1.6696% | 409 |
| Noninterest expense to average assets | 4.0400% | 499 |
| Loan and lease loss provision to assets | 0.1498% | 1,354 |
| Net operating income to assets | 1.0765% | 2,096 |
| Return on assets (ROA) | 1.1818% | 1,693 |
| Pretax return on assets | 1.1818% | 2,844 |
| Return on Equity (ROE) | 13.5852% | 896 |
| Retained earnings to average equity (ytd only) | 6.6499% | 1,769 |
| Net charge-offs to loans | 0.0706% | 1,930 |
| Credit loss provision to net charge-offs | 296.6102% | 965 |
| Earnings coverage of net charge-offs (x) | 24.2881% | 1,647 |
| Efficiency ratio | 76.7143% | 1,620 |
| Assets per employee ($millions) | 3.5238% | 4,683 |
| Cash dividends to net income (ytd only)* | 51.0500% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 4,464 |
| Loan loss allowance to noncurrent loans | 530.9446% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 4,657 |
| Noncurrent loans to loans | 0.1772% | 4,410 |
| Net loans and leases to total assets | 73.7882% | 1,911 |
| Net loans and leases to deposits | 84.0151% | 2,471 |
| Net loans and leases to core deposits | 88.0905% | 2,692 |
| Total domestic deposits to total assets | 87.8274% | 1,545 |
| Equity capital to assets | 9.2535% | 4,667 |
| Core capital (leverage) ratio | 8.8365% | 4,909 |
| Tier 1 risk-based capital ratio | 13.8538% | 3,502 |
| Total risk-based capital ratio | 14.9386% | 3,514 |
| Memoranda: | ||
| Average total assets | $233,713,330 | 2,647 |
| Average earning assets | $221,230,000 | 2,609 |
| Average equity | $20,331,000 | 3,121 |
| Average total loans | $167,058,670 | 2,475 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,084 |
| Cost of funding earning assets | 0.2457% | 4,572 |
| Net interest margin | 3.7417% | 2,342 |
| Noninterest income to average assets | 1.9651% | 321 |
| Noninterest expense to average assets | 4.4015% | 358 |
| Loan and lease loss provision to assets | 0.2049% | 803 |
| Net operating income to assets | 0.8946% | 2,791 |
| Return on assets (ROA) | 0.9117% | 2,756 |
| Pretax return on assets | 0.9117% | 3,721 |
| Return on Equity (ROE) | 10.8229% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.2156% | 3,345 |
| Net charge-offs to loans | 0.1927% | 893 |
| Credit loss provision to net charge-offs | 151.8987% | 1,203 |
| Earnings coverage of net charge-offs (x) | 8.1519% | 2,081 |
| Efficiency ratio | 80.0124% | 1,380 |
| Assets per employee ($millions) | 3.3606% | 4,975 |
| Cash dividends to net income (ytd only)* | 61.0487% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 4,700 |
| Loan loss allowance to noncurrent loans | 478.4615% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 4,710 |
| Noncurrent loans to loans | 0.1910% | 4,440 |
| Net loans and leases to total assets | 71.6563% | 2,120 |
| Net loans and leases to deposits | 80.7060% | 2,653 |
| Net loans and leases to core deposits | 84.5819% | 2,850 |
| Total domestic deposits to total assets | 88.7868% | 1,260 |
| Equity capital to assets | 8.4581% | 5,270 |
| Core capital (leverage) ratio | 8.4915% | 5,232 |
| Tier 1 risk-based capital ratio | 13.2187% | 3,933 |
| Total risk-based capital ratio | 14.2673% | 3,971 |
| Memoranda: | ||
| Average total assets | $234,284,500 | 2,668 |
| Average earning assets | $221,394,500 | 2,630 |
| Average equity | $19,736,000 | 3,201 |
| Average total loans | $163,968,000 | 2,529 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 3,210 |
| Cost of funding earning assets | 0.2376% | 4,677 |
| Net interest margin | 3.7562% | 2,478 |
| Noninterest income to average assets | 1.8728% | 370 |
| Noninterest expense to average assets | 4.3282% | 439 |
| Loan and lease loss provision to assets | 0.0133% | 4,113 |
| Net operating income to assets | 1.0575% | 2,105 |
| Return on assets (ROA) | 1.0539% | 2,223 |
| Pretax return on assets | 1.0539% | 3,284 |
| Return on Equity (ROE) | 11.9873% | 1,252 |
| Retained earnings to average equity (ytd only) | 2.3601% | 4,183 |
| Net charge-offs to loans | 0.1428% | 1,833 |
| Credit loss provision to net charge-offs | 13.6364% | 3,722 |
| Earnings coverage of net charge-offs (x) | 10.9545% | 2,580 |
| Efficiency ratio | 80.1662% | 1,400 |
| Assets per employee ($millions) | 3.3816% | 4,933 |
| Cash dividends to net income (ytd only)* | 80.3120% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,530 |
| Loan loss allowance to noncurrent loans | 345.6621% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 4,570 |
| Noncurrent loans to loans | 0.2775% | 4,164 |
| Net loans and leases to total assets | 66.9881% | 2,934 |
| Net loans and leases to deposits | 74.3502% | 3,478 |
| Net loans and leases to core deposits | 77.1062% | 3,647 |
| Total domestic deposits to total assets | 90.0981% | 600 |
| Equity capital to assets | 8.3895% | 5,352 |
| Core capital (leverage) ratio | 8.4914% | 5,268 |
| Tier 1 risk-based capital ratio | 14.1839% | 3,355 |
| Total risk-based capital ratio | 15.2911% | 3,353 |
| Memoranda: | ||
| Average total assets | $225,060,000 | 2,712 |
| Average earning assets | $211,275,000 | 2,688 |
| Average equity | $19,787,600 | 3,192 |
| Average total loans | $154,072,200 | 2,591 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9952% | 3,243 |
| Cost of funding earning assets | 0.2399% | 4,703 |
| Net interest margin | 3.7552% | 2,505 |
| Noninterest income to average assets | 1.8571% | 386 |
| Noninterest expense to average assets | 4.3456% | 431 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0392% | 2,248 |
| Return on assets (ROA) | 1.0619% | 2,265 |
| Pretax return on assets | 1.0619% | 3,388 |
| Return on Equity (ROE) | 11.9347% | 1,347 |
| Retained earnings to average equity (ytd only) | -0.8669% | 5,481 |
| Net charge-offs to loans | 0.1872% | 1,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 8.0837% | 2,815 |
| Efficiency ratio | 80.7018% | 1,341 |
| Assets per employee ($millions) | 3.3746% | 4,950 |
| Cash dividends to net income (ytd only)* | 107.2637% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 4,596 |
| Loan loss allowance to noncurrent loans | 468.2390% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 4,870 |
| Noncurrent loans to loans | 0.2060% | 4,534 |
| Net loans and leases to total assets | 67.6246% | 2,848 |
| Net loans and leases to deposits | 75.7884% | 3,421 |
| Net loans and leases to core deposits | 78.7256% | 3,586 |
| Total domestic deposits to total assets | 89.2283% | 787 |
| Equity capital to assets | 8.7448% | 5,367 |
| Core capital (leverage) ratio | 8.3742% | 5,446 |
| Tier 1 risk-based capital ratio | 14.0853% | 3,514 |
| Total risk-based capital ratio | 15.2010% | 3,508 |
| Memoranda: | ||
| Average total assets | $222,993,000 | 2,739 |
| Average earning assets | $209,481,500 | 2,710 |
| Average equity | $19,840,750 | 3,210 |
| Average total loans | $153,136,250 | 2,606 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,317 |
| Cost of funding earning assets | 0.2374% | 4,782 |
| Net interest margin | 3.7398% | 2,552 |
| Noninterest income to average assets | 1.8769% | 379 |
| Noninterest expense to average assets | 4.3513% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0461% | 2,203 |
| Return on assets (ROA) | 1.0804% | 2,167 |
| Pretax return on assets | 1.0804% | 3,281 |
| Return on Equity (ROE) | 12.0723% | 1,290 |
| Retained earnings to average equity (ytd only) | 1.0874% | 4,950 |
| Net charge-offs to loans | 0.2816% | 843 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,862 |
| Efficiency ratio | 80.6177% | 1,426 |
| Assets per employee ($millions) | 3.4472% | 4,841 |
| Cash dividends to net income (ytd only)* | 90.9925% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9775% | 4,627 |
| Loan loss allowance to noncurrent loans | 1,489.0000% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,009 |
| Noncurrent loans to loans | 0.0656% | 5,191 |
| Net loans and leases to total assets | 68.3713% | 2,731 |
| Net loans and leases to deposits | 77.0842% | 3,259 |
| Net loans and leases to core deposits | 80.1637% | 3,449 |
| Total domestic deposits to total assets | 88.6968% | 1,066 |
| Equity capital to assets | 9.1910% | 5,075 |
| Core capital (leverage) ratio | 8.7032% | 5,169 |
| Tier 1 risk-based capital ratio | 13.9891% | 3,610 |
| Total risk-based capital ratio | 15.0834% | 3,625 |
| Memoranda: | ||
| Average total assets | $221,957,000 | 2,757 |
| Average earning assets | $208,941,330 | 2,717 |
| Average equity | $19,863,670 | 3,213 |
| Average total loans | $152,718,670 | 2,616 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9737% | 3,319 |
| Cost of funding earning assets | 0.2349% | 4,858 |
| Net interest margin | 3.7388% | 2,527 |
| Noninterest income to average assets | 1.7806% | 401 |
| Noninterest expense to average assets | 4.4074% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8912% | 2,800 |
| Return on assets (ROA) | 0.8912% | 2,927 |
| Pretax return on assets | 0.8912% | 3,878 |
| Return on Equity (ROE) | 10.0931% | 1,947 |
| Retained earnings to average equity (ytd only) | -4.3750% | 5,574 |
| Net charge-offs to loans | 0.0235% | 2,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 55.1111% | 823 |
| Efficiency ratio | 83.1807% | 1,240 |
| Assets per employee ($millions) | 3.3083% | 5,114 |
| Cash dividends to net income (ytd only)* | 143.3468% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 4,015 |
| Loan loss allowance to noncurrent loans | 683.4677% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 5,050 |
| Noncurrent loans to loans | 0.1619% | 4,845 |
| Net loans and leases to total assets | 69.3860% | 2,443 |
| Net loans and leases to deposits | 77.9876% | 3,006 |
| Net loans and leases to core deposits | 81.2581% | 3,208 |
| Total domestic deposits to total assets | 88.9705% | 1,118 |
| Equity capital to assets | 9.0185% | 5,155 |
| Core capital (leverage) ratio | 8.6857% | 5,193 |
| Tier 1 risk-based capital ratio | 13.7107% | 3,859 |
| Total risk-based capital ratio | 14.9526% | 3,797 |
| Memoranda: | ||
| Average total assets | $222,626,000 | 2,757 |
| Average earning assets | $209,478,000 | 2,728 |
| Average equity | $19,657,000 | 3,240 |
| Average total loans | $152,913,500 | 2,608 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,345 |
| Cost of funding earning assets | 0.2490% | 4,796 |
| Net interest margin | 3.7421% | 2,590 |
| Noninterest income to average assets | 1.7720% | 425 |
| Noninterest expense to average assets | 4.2745% | 507 |
| Loan and lease loss provision to assets | 0.0137% | 4,130 |
| Net operating income to assets | 0.9896% | 2,422 |
| Return on assets (ROA) | 0.9997% | 2,461 |
| Pretax return on assets | 0.9997% | 3,476 |
| Return on Equity (ROE) | 11.6584% | 1,387 |
| Retained earnings to average equity (ytd only) | 5.2436% | 2,244 |
| Net charge-offs to loans | 0.0641% | 2,943 |
| Credit loss provision to net charge-offs | 31.5789% | 3,632 |
| Earnings coverage of net charge-offs (x) | 23.1368% | 1,743 |
| Efficiency ratio | 80.9894% | 1,537 |
| Assets per employee ($millions) | 3.3866% | 5,003 |
| Cash dividends to net income (ytd only)* | 55.0228% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,955 |
| Loan loss allowance to noncurrent loans | 269.6203% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,471 |
| Noncurrent loans to loans | 0.4141% | 3,964 |
| Net loans and leases to total assets | 66.5149% | 2,907 |
| Net loans and leases to deposits | 74.7795% | 3,401 |
| Net loans and leases to core deposits | 77.6337% | 3,590 |
| Total domestic deposits to total assets | 88.9480% | 1,141 |
| Equity capital to assets | 8.6478% | 5,428 |
| Core capital (leverage) ratio | 8.7172% | 5,195 |
| Tier 1 risk-based capital ratio | 13.7267% | 3,874 |
| Total risk-based capital ratio | 14.9624% | 3,812 |
| Memoranda: | ||
| Average total assets | $219,068,600 | 2,751 |
| Average earning assets | $205,233,200 | 2,724 |
| Average equity | $18,784,800 | 3,285 |
| Average total loans | $148,181,000 | 2,621 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9978% | 3,358 |
| Cost of funding earning assets | 0.2524% | 4,856 |
| Net interest margin | 3.7454% | 2,582 |
| Noninterest income to average assets | 1.7379% | 435 |
| Noninterest expense to average assets | 4.2890% | 494 |
| Loan and lease loss provision to assets | 0.0123% | 4,026 |
| Net operating income to assets | 0.9451% | 2,735 |
| Return on assets (ROA) | 0.9586% | 2,762 |
| Pretax return on assets | 0.9586% | 3,783 |
| Return on Equity (ROE) | 11.2044% | 1,627 |
| Retained earnings to average equity (ytd only) | 6.4528% | 1,988 |
| Net charge-offs to loans | 0.1015% | 2,126 |
| Credit loss provision to net charge-offs | 17.8571% | 3,380 |
| Earnings coverage of net charge-offs (x) | 13.9196% | 2,283 |
| Efficiency ratio | 81.7511% | 1,427 |
| Assets per employee ($millions) | 3.2063% | 5,274 |
| Cash dividends to net income (ytd only)* | 42.4085% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 4,065 |
| Loan loss allowance to noncurrent loans | 511.2805% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 5,142 |
| Noncurrent loans to loans | 0.2206% | 4,776 |
| Net loans and leases to total assets | 69.4620% | 2,467 |
| Net loans and leases to deposits | 78.5226% | 3,048 |
| Net loans and leases to core deposits | 82.1574% | 3,236 |
| Total domestic deposits to total assets | 88.4611% | 1,308 |
| Equity capital to assets | 8.9677% | 5,335 |
| Core capital (leverage) ratio | 8.8268% | 5,208 |
| Tier 1 risk-based capital ratio | 14.1984% | 3,727 |
| Total risk-based capital ratio | 15.4486% | 3,667 |
| Memoranda: | ||
| Average total assets | $217,110,500 | 2,793 |
| Average earning assets | $203,375,500 | 2,764 |
| Average equity | $18,575,500 | 3,332 |
| Average total loans | $147,069,500 | 2,644 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 3,584 |
| Cost of funding earning assets | 0.2462% | 4,979 |
| Net interest margin | 3.6814% | 2,792 |
| Noninterest income to average assets | 1.7539% | 445 |
| Noninterest expense to average assets | 4.2376% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9582% | 2,595 |
| Return on assets (ROA) | 0.9537% | 2,730 |
| Pretax return on assets | 0.9537% | 3,758 |
| Return on Equity (ROE) | 11.3222% | 1,582 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,147 |
| Net charge-offs to loans | 0.1692% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.4597% | 2,562 |
| Efficiency ratio | 81.5577% | 1,549 |
| Assets per employee ($millions) | 3.1444% | 5,413 |
| Cash dividends to net income (ytd only)* | 45.6897% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1184% | 4,231 |
| Loan loss allowance to noncurrent loans | 1,265.3846% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 5,617 |
| Noncurrent loans to loans | 0.0884% | 5,389 |
| Net loans and leases to total assets | 69.0335% | 2,480 |
| Net loans and leases to deposits | 78.5556% | 2,965 |
| Net loans and leases to core deposits | 82.3964% | 3,132 |
| Total domestic deposits to total assets | 87.8785% | 1,709 |
| Equity capital to assets | 8.7632% | 5,468 |
| Core capital (leverage) ratio | 8.5526% | 5,486 |
| Tier 1 risk-based capital ratio | 14.1015% | 3,863 |
| Total risk-based capital ratio | 15.3516% | 3,794 |
| Memoranda: | ||
| Average total assets | $218,942,330 | 2,798 |
| Average earning assets | $204,702,330 | 2,761 |
| Average equity | $18,441,670 | 3,368 |
| Average total loans | $146,536,330 | 2,667 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 3,836 |
| Cost of funding earning assets | 0.2424% | 5,102 |
| Net interest margin | 3.6050% | 2,978 |
| Noninterest income to average assets | 1.6335% | 469 |
| Noninterest expense to average assets | 4.1260% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8679% | 2,917 |
| Return on assets (ROA) | 0.8589% | 3,087 |
| Pretax return on assets | 0.8589% | 4,029 |
| Return on Equity (ROE) | 10.3952% | 1,833 |
| Retained earnings to average equity (ytd only) | 6.4021% | 2,288 |
| Net charge-offs to loans | 0.0465% | 2,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 28.4706% | 1,182 |
| Efficiency ratio | 82.6212% | 1,546 |
| Assets per employee ($millions) | 3.3933% | 5,093 |
| Cash dividends to net income (ytd only)* | 38.4134% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 3,931 |
| Loan loss allowance to noncurrent loans | 576.3158% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 5,403 |
| Noncurrent loans to loans | 0.2096% | 5,031 |
| Net loans and leases to total assets | 64.9627% | 2,946 |
| Net loans and leases to deposits | 73.4467% | 3,375 |
| Net loans and leases to core deposits | 77.0470% | 3,485 |
| Total domestic deposits to total assets | 88.4488% | 1,571 |
| Equity capital to assets | 8.4578% | 5,767 |
| Core capital (leverage) ratio | 8.3517% | 5,680 |
| Tier 1 risk-based capital ratio | 14.0477% | 3,972 |
| Total risk-based capital ratio | 15.2986% | 3,897 |
| Memoranda: | ||
| Average total assets | $223,075,500 | 2,780 |
| Average earning assets | $207,934,000 | 2,750 |
| Average equity | $18,431,500 | 3,388 |
| Average total loans | $146,263,500 | 2,673 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 3,056 |
| Cost of funding earning assets | 0.2853% | 4,948 |
| Net interest margin | 3.8814% | 2,310 |
| Noninterest income to average assets | 1.6888% | 447 |
| Noninterest expense to average assets | 4.2787% | 559 |
| Loan and lease loss provision to assets | 0.0381% | 3,818 |
| Net operating income to assets | 1.0041% | 2,361 |
| Return on assets (ROA) | 1.0136% | 2,401 |
| Pretax return on assets | 1.0136% | 3,440 |
| Return on Equity (ROE) | 11.7953% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.9946% | 3,367 |
| Net charge-offs to loans | -0.0014% | 5,362 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4122% | 1,867 |
| Assets per employee ($millions) | 3.5248% | 4,859 |
| Cash dividends to net income (ytd only)* | 66.1336% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 4,003 |
| Loan loss allowance to noncurrent loans | 675.1908% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 5,412 |
| Noncurrent loans to loans | 0.1776% | 5,189 |
| Net loans and leases to total assets | 64.5967% | 3,124 |
| Net loans and leases to deposits | 73.0018% | 3,552 |
| Net loans and leases to core deposits | 76.2079% | 3,687 |
| Total domestic deposits to total assets | 88.4864% | 1,532 |
| Equity capital to assets | 8.0714% | 6,032 |
| Core capital (leverage) ratio | 8.7479% | 5,297 |
| Tier 1 risk-based capital ratio | 13.2239% | 4,574 |
| Total risk-based capital ratio | 14.4746% | 4,495 |
| Memoranda: | ||
| Average total assets | $209,738,800 | 2,876 |
| Average earning assets | $196,269,800 | 2,843 |
| Average equity | $18,024,200 | 3,391 |
| Average total loans | $141,175,200 | 2,698 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,911 |
| Cost of funding earning assets | 0.2951% | 4,926 |
| Net interest margin | 3.9290% | 2,121 |
| Noninterest income to average assets | 1.6833% | 461 |
| Noninterest expense to average assets | 4.3671% | 526 |
| Loan and lease loss provision to assets | 0.0518% | 3,338 |
| Net operating income to assets | 0.9389% | 2,740 |
| Return on assets (ROA) | 0.9518% | 2,758 |
| Pretax return on assets | 0.9518% | 3,789 |
| Return on Equity (ROE) | 10.8944% | 1,830 |
| Retained earnings to average equity (ytd only) | 4.4942% | 3,456 |
| Net charge-offs to loans | -0.0048% | 5,289 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5093% | 1,674 |
| Assets per employee ($millions) | 3.0305% | 5,695 |
| Cash dividends to net income (ytd only)* | 58.7475% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 4,132 |
| Loan loss allowance to noncurrent loans | 548.6068% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 5,546 |
| Noncurrent loans to loans | 0.2221% | 5,235 |
| Net loans and leases to total assets | 70.7484% | 2,070 |
| Net loans and leases to deposits | 80.9363% | 2,560 |
| Net loans and leases to core deposits | 85.0407% | 2,768 |
| Total domestic deposits to total assets | 87.4125% | 2,084 |
| Equity capital to assets | 9.1774% | 5,173 |
| Core capital (leverage) ratio | 8.6988% | 5,441 |
| Tier 1 risk-based capital ratio | 13.5002% | 4,541 |
| Total risk-based capital ratio | 14.7511% | 4,478 |
| Memoranda: | ||
| Average total assets | $205,777,000 | 2,950 |
| Average earning assets | $192,443,250 | 2,907 |
| Average equity | $17,978,250 | 3,420 |
| Average total loans | $139,596,500 | 2,735 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1882% | 2,994 |
| Cost of funding earning assets | 0.3000% | 4,965 |
| Net interest margin | 3.8882% | 2,220 |
| Noninterest income to average assets | 1.7195% | 440 |
| Noninterest expense to average assets | 4.3582% | 524 |
| Loan and lease loss provision to assets | 0.0484% | 3,340 |
| Net operating income to assets | 0.9367% | 2,616 |
| Return on assets (ROA) | 0.9483% | 2,655 |
| Pretax return on assets | 0.9483% | 3,685 |
| Return on Equity (ROE) | 11.0362% | 1,730 |
| Retained earnings to average equity (ytd only) | 3.3334% | 4,078 |
| Net charge-offs to loans | 0.0029% | 4,290 |
| Credit loss provision to net charge-offs | 2,500.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 509.0000% | 139 |
| Efficiency ratio | 81.5647% | 1,800 |
| Assets per employee ($millions) | 3.1598% | 5,486 |
| Cash dividends to net income (ytd only)* | 69.7959% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,322 |
| Loan loss allowance to noncurrent loans | 455.3806% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 5,563 |
| Noncurrent loans to loans | 0.2683% | 5,212 |
| Net loans and leases to total assets | 69.3572% | 2,177 |
| Net loans and leases to deposits | 78.7861% | 2,695 |
| Net loans and leases to core deposits | 82.7663% | 2,889 |
| Total domestic deposits to total assets | 88.0323% | 1,882 |
| Equity capital to assets | 9.1101% | 5,193 |
| Core capital (leverage) ratio | 8.6478% | 5,470 |
| Tier 1 risk-based capital ratio | 13.2766% | 4,737 |
| Total risk-based capital ratio | 14.5270% | 4,675 |
| Memoranda: | ||
| Average total assets | $206,688,670 | 2,957 |
| Average earning assets | $192,634,670 | 2,917 |
| Average equity | $17,759,670 | 3,441 |
| Average total loans | $137,655,000 | 2,761 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,340 |
| Cost of funding earning assets | 0.3023% | 5,043 |
| Net interest margin | 3.7840% | 2,530 |
| Noninterest income to average assets | 1.6121% | 473 |
| Noninterest expense to average assets | 4.2945% | 555 |
| Loan and lease loss provision to assets | 0.0766% | 2,612 |
| Net operating income to assets | 0.7639% | 3,337 |
| Return on assets (ROA) | 0.7639% | 3,421 |
| Pretax return on assets | 0.7639% | 4,258 |
| Return on Equity (ROE) | 9.1577% | 2,388 |
| Retained earnings to average equity (ytd only) | 0.0459% | 5,532 |
| Net charge-offs to loans | -0.0354% | 5,655 |
| Credit loss provision to net charge-offs | -333.3333% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6316% | 1,713 |
| Assets per employee ($millions) | 3.1278% | 5,636 |
| Cash dividends to net income (ytd only)* | 99.4987% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,163 |
| Loan loss allowance to noncurrent loans | 373.9785% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 5,516 |
| Noncurrent loans to loans | 0.3456% | 5,078 |
| Net loans and leases to total assets | 65.3150% | 2,672 |
| Net loans and leases to deposits | 72.2705% | 3,299 |
| Net loans and leases to core deposits | 75.8001% | 3,425 |
| Total domestic deposits to total assets | 90.3758% | 874 |
| Equity capital to assets | 8.7030% | 5,445 |
| Core capital (leverage) ratio | 8.4810% | 5,671 |
| Tier 1 risk-based capital ratio | 13.4945% | 4,680 |
| Total risk-based capital ratio | 14.7456% | 4,622 |
| Memoranda: | ||
| Average total assets | $208,919,500 | 2,951 |
| Average earning assets | $194,502,500 | 2,912 |
| Average equity | $17,428,000 | 3,492 |
| Average total loans | $135,485,500 | 2,805 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2253% | 3,248 |
| Cost of funding earning assets | 0.3617% | 5,032 |
| Net interest margin | 3.8635% | 2,417 |
| Noninterest income to average assets | 1.5895% | 568 |
| Noninterest expense to average assets | 4.1348% | 748 |
| Loan and lease loss provision to assets | -0.0650% | 6,420 |
| Net operating income to assets | 1.0957% | 1,951 |
| Return on assets (ROA) | 1.0957% | 2,021 |
| Pretax return on assets | 1.0957% | 2,966 |
| Return on Equity (ROE) | 13.4254% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.7939% | 2,103 |
| Net charge-offs to loans | 0.0562% | 4,442 |
| Credit loss provision to net charge-offs | -181.3333% | 5,977 |
| Earnings coverage of net charge-offs (x) | 28.7733% | 1,226 |
| Efficiency ratio | 80.0462% | 2,140 |
| Assets per employee ($millions) | 3.2019% | 5,487 |
| Cash dividends to net income (ytd only)* | 56.8439% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,462 |
| Loan loss allowance to noncurrent loans | 975.1445% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 6,105 |
| Noncurrent loans to loans | 0.1268% | 5,824 |
| Net loans and leases to total assets | 62.8134% | 3,235 |
| Net loans and leases to deposits | 69.2052% | 3,885 |
| Net loans and leases to core deposits | 72.6768% | 3,993 |
| Total domestic deposits to total assets | 90.7640% | 675 |
| Equity capital to assets | 7.9999% | 6,019 |
| Core capital (leverage) ratio | 8.3364% | 5,836 |
| Tier 1 risk-based capital ratio | 13.0961% | 4,914 |
| Total risk-based capital ratio | 14.3462% | 4,865 |
| Memoranda: | ||
| Average total assets | $209,368,000 | 2,921 |
| Average earning assets | $193,785,800 | 2,908 |
| Average equity | $17,087,000 | 3,550 |
| Average total loans | $133,473,400 | 2,798 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 3,183 |
| Cost of funding earning assets | 0.3803% | 4,994 |
| Net interest margin | 3.8737% | 2,368 |
| Noninterest income to average assets | 1.5891% | 578 |
| Noninterest expense to average assets | 4.1400% | 728 |
| Loan and lease loss provision to assets | -0.0871% | 6,608 |
| Net operating income to assets | 1.1194% | 1,935 |
| Return on assets (ROA) | 1.1194% | 2,005 |
| Pretax return on assets | 1.1194% | 3,019 |
| Return on Equity (ROE) | 13.6469% | 1,085 |
| Retained earnings to average equity (ytd only) | 7.7022% | 1,549 |
| Net charge-offs to loans | -0.1075% | 6,512 |
| Credit loss provision to net charge-offs | 127.1028% | 1,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0421% | 2,093 |
| Assets per employee ($millions) | 3.2395% | 5,407 |
| Cash dividends to net income (ytd only)* | 43.5602% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 3,971 |
| Loan loss allowance to noncurrent loans | 795.3191% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 6,096 |
| Noncurrent loans to loans | 0.1739% | 5,807 |
| Net loans and leases to total assets | 64.2853% | 2,952 |
| Net loans and leases to deposits | 71.0205% | 3,638 |
| Net loans and leases to core deposits | 75.2989% | 3,700 |
| Total domestic deposits to total assets | 90.5165% | 734 |
| Equity capital to assets | 8.2164% | 5,989 |
| Core capital (leverage) ratio | 8.2860% | 5,987 |
| Tier 1 risk-based capital ratio | 13.4374% | 4,806 |
| Total risk-based capital ratio | 14.6970% | 4,744 |
| Memoranda: | ||
| Average total assets | $208,077,750 | 2,948 |
| Average earning assets | $192,471,000 | 2,943 |
| Average equity | $17,068,250 | 3,591 |
| Average total loans | $132,731,750 | 2,826 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,059 |
| Cost of funding earning assets | 0.3975% | 4,970 |
| Net interest margin | 3.8774% | 2,282 |
| Noninterest income to average assets | 1.5984% | 620 |
| Noninterest expense to average assets | 4.1281% | 754 |
| Loan and lease loss provision to assets | -0.1306% | 6,732 |
| Net operating income to assets | 1.1876% | 1,622 |
| Return on assets (ROA) | 1.1876% | 1,731 |
| Pretax return on assets | 1.1876% | 2,728 |
| Return on Equity (ROE) | 14.4853% | 911 |
| Retained earnings to average equity (ytd only) | 7.9394% | 1,512 |
| Net charge-offs to loans | -0.1501% | 6,590 |
| Credit loss provision to net charge-offs | 137.3737% | 1,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6149% | 2,209 |
| Assets per employee ($millions) | 3.1655% | 5,556 |
| Cash dividends to net income (ytd only)* | 45.1900% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 3,976 |
| Loan loss allowance to noncurrent loans | 689.2593% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,091 |
| Noncurrent loans to loans | 0.2049% | 5,796 |
| Net loans and leases to total assets | 63.1478% | 3,074 |
| Net loans and leases to deposits | 69.6001% | 3,772 |
| Net loans and leases to core deposits | 74.0254% | 3,810 |
| Total domestic deposits to total assets | 90.7295% | 654 |
| Equity capital to assets | 8.1289% | 6,112 |
| Core capital (leverage) ratio | 8.2585% | 5,942 |
| Tier 1 risk-based capital ratio | 13.5303% | 4,749 |
| Total risk-based capital ratio | 14.7825% | 4,705 |
| Memoranda: | ||
| Average total assets | $208,327,330 | 2,966 |
| Average earning assets | $192,705,000 | 2,962 |
| Average equity | $17,079,330 | 3,612 |
| Average total loans | $131,925,330 | 2,845 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 3,280 |
| Cost of funding earning assets | 0.4230% | 4,884 |
| Net interest margin | 3.7824% | 2,511 |
| Noninterest income to average assets | 1.5018% | 687 |
| Noninterest expense to average assets | 4.1219% | 773 |
| Loan and lease loss provision to assets | 0.0763% | 3,355 |
| Net operating income to assets | 0.7843% | 3,251 |
| Return on assets (ROA) | 0.7843% | 3,382 |
| Pretax return on assets | 0.7843% | 4,232 |
| Return on Equity (ROE) | 9.5271% | 2,250 |
| Retained earnings to average equity (ytd only) | 2.5962% | 4,724 |
| Net charge-offs to loans | 0.0879% | 2,960 |
| Credit loss provision to net charge-offs | 137.9310% | 1,451 |
| Earnings coverage of net charge-offs (x) | 15.5517% | 1,395 |
| Efficiency ratio | 82.7269% | 1,929 |
| Assets per employee ($millions) | 3.2888% | 5,457 |
| Cash dividends to net income (ytd only)* | 72.7494% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 3,996 |
| Loan loss allowance to noncurrent loans | 591.0217% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 5,875 |
| Noncurrent loans to loans | 0.2463% | 5,797 |
| Net loans and leases to total assets | 62.3745% | 2,988 |
| Net loans and leases to deposits | 68.8039% | 3,668 |
| Net loans and leases to core deposits | 73.5921% | 3,631 |
| Total domestic deposits to total assets | 90.6555% | 691 |
| Equity capital to assets | 8.3097% | 6,181 |
| Core capital (leverage) ratio | 7.9660% | 6,179 |
| Tier 1 risk-based capital ratio | 12.8649% | 5,322 |
| Total risk-based capital ratio | 14.0874% | 5,298 |
| Memoranda: | ||
| Average total assets | $209,611,000 | 2,981 |
| Average earning assets | $192,893,000 | 2,978 |
| Average equity | $17,256,000 | 3,619 |
| Average total loans | $131,991,000 | 2,864 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 3,904 |
| Cost of funding earning assets | 0.5663% | 4,679 |
| Net interest margin | 3.8123% | 3,170 |
| Noninterest income to average assets | 1.3996% | 792 |
| Noninterest expense to average assets | 4.0519% | 918 |
| Loan and lease loss provision to assets | 0.1440% | 3,806 |
| Net operating income to assets | 0.7591% | 3,472 |
| Return on assets (ROA) | 0.7735% | 3,652 |
| Pretax return on assets | 0.7735% | 4,397 |
| Return on Equity (ROE) | 9.4462% | 2,426 |
| Retained earnings to average equity (ytd only) | 1.9291% | 4,859 |
| Net charge-offs to loans | 0.5044% | 2,224 |
| Credit loss provision to net charge-offs | 47.4684% | 4,754 |
| Earnings coverage of net charge-offs (x) | 2.9763% | 3,938 |
| Efficiency ratio | 81.7733% | 1,904 |
| Assets per employee ($millions) | 3.3656% | 5,299 |
| Cash dividends to net income (ytd only)* | 79.5779% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,017 |
| Loan loss allowance to noncurrent loans | 551.7442% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 5,727 |
| Noncurrent loans to loans | 0.2590% | 5,835 |
| Net loans and leases to total assets | 61.7554% | 3,292 |
| Net loans and leases to deposits | 68.2637% | 3,942 |
| Net loans and leases to core deposits | 72.9158% | 3,927 |
| Total domestic deposits to total assets | 90.4660% | 721 |
| Equity capital to assets | 8.1569% | 6,315 |
| Core capital (leverage) ratio | 7.9179% | 6,272 |
| Tier 1 risk-based capital ratio | 12.5826% | 5,412 |
| Total risk-based capital ratio | 13.8352% | 5,359 |
| Memoranda: | ||
| Average total assets | $208,275,000 | 2,946 |
| Average earning assets | $194,241,000 | 2,909 |
| Average equity | $17,054,400 | 3,622 |
| Average total loans | $125,308,000 | 2,978 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 4,151 |
| Cost of funding earning assets | 0.5950% | 4,701 |
| Net interest margin | 3.7808% | 3,417 |
| Noninterest income to average assets | 1.3530% | 813 |
| Noninterest expense to average assets | 4.0654% | 864 |
| Loan and lease loss provision to assets | 0.1672% | 3,446 |
| Net operating income to assets | 0.6643% | 4,067 |
| Return on assets (ROA) | 0.6759% | 4,286 |
| Pretax return on assets | 0.6784% | 4,926 |
| Return on Equity (ROE) | 8.2457% | 3,164 |
| Retained earnings to average equity (ytd only) | 2.5733% | 5,026 |
| Net charge-offs to loans | 0.5909% | 1,855 |
| Credit loss provision to net charge-offs | 47.5320% | 4,458 |
| Earnings coverage of net charge-offs (x) | 2.3711% | 4,091 |
| Efficiency ratio | 82.9768% | 1,699 |
| Assets per employee ($millions) | 3.3685% | 5,288 |
| Cash dividends to net income (ytd only)* | 68.7918% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,765 |
| Loan loss allowance to noncurrent loans | 329.3220% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 4,957 |
| Noncurrent loans to loans | 0.4681% | 5,516 |
| Net loans and leases to total assets | 60.4002% | 3,696 |
| Net loans and leases to deposits | 67.0416% | 4,331 |
| Net loans and leases to core deposits | 72.0423% | 4,246 |
| Total domestic deposits to total assets | 90.0937% | 797 |
| Equity capital to assets | 8.4243% | 6,326 |
| Core capital (leverage) ratio | 7.9736% | 6,350 |
| Tier 1 risk-based capital ratio | 13.3904% | 4,959 |
| Total risk-based capital ratio | 14.6526% | 4,902 |
| Memoranda: | ||
| Average total assets | $207,336,250 | 2,994 |
| Average earning assets | $194,489,000 | 2,932 |
| Average equity | $16,994,250 | 3,656 |
| Average total loans | $123,425,500 | 3,045 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 4,299 |
| Cost of funding earning assets | 0.6226% | 4,695 |
| Net interest margin | 3.7489% | 3,596 |
| Noninterest income to average assets | 1.4128% | 720 |
| Noninterest expense to average assets | 4.0653% | 873 |
| Loan and lease loss provision to assets | 0.2260% | 2,818 |
| Net operating income to assets | 0.6396% | 4,168 |
| Return on assets (ROA) | 0.6569% | 4,338 |
| Pretax return on assets | 0.6598% | 4,945 |
| Return on Equity (ROE) | 8.0881% | 3,221 |
| Retained earnings to average equity (ytd only) | 1.4092% | 5,491 |
| Net charge-offs to loans | 0.8323% | 1,330 |
| Credit loss provision to net charge-offs | 46.0784% | 4,127 |
| Earnings coverage of net charge-offs (x) | 1.7706% | 4,097 |
| Efficiency ratio | 82.3977% | 1,829 |
| Assets per employee ($millions) | 3.0712% | 5,912 |
| Cash dividends to net income (ytd only)* | 82.5769% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 3,720 |
| Loan loss allowance to noncurrent loans | 298.9297% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 4,838 |
| Noncurrent loans to loans | 0.5236% | 5,474 |
| Net loans and leases to total assets | 61.5943% | 3,511 |
| Net loans and leases to deposits | 68.2429% | 4,157 |
| Net loans and leases to core deposits | 73.9738% | 4,037 |
| Total domestic deposits to total assets | 90.2574% | 787 |
| Equity capital to assets | 8.5208% | 6,192 |
| Core capital (leverage) ratio | 7.8705% | 6,393 |
| Tier 1 risk-based capital ratio | 13.0082% | 5,184 |
| Total risk-based capital ratio | 14.2626% | 5,152 |
| Memoranda: | ||
| Average total assets | $207,956,330 | 2,997 |
| Average earning assets | $195,310,330 | 2,931 |
| Average equity | $16,889,000 | 3,657 |
| Average total loans | $122,550,330 | 3,077 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 4,611 |
| Cost of funding earning assets | 0.6479% | 4,749 |
| Net interest margin | 3.6821% | 3,914 |
| Noninterest income to average assets | 1.3426% | 792 |
| Noninterest expense to average assets | 3.9129% | 1,050 |
| Loan and lease loss provision to assets | 0.2829% | 2,208 |
| Net operating income to assets | 0.5959% | 4,360 |
| Return on assets (ROA) | 0.5789% | 4,667 |
| Pretax return on assets | 0.5808% | 5,180 |
| Return on Equity (ROE) | 7.2971% | 3,607 |
| Retained earnings to average equity (ytd only) | -0.9508% | 6,146 |
| Net charge-offs to loans | 0.2834% | 2,535 |
| Credit loss provision to net charge-offs | 174.4186% | 1,465 |
| Earnings coverage of net charge-offs (x) | 5.4302% | 2,370 |
| Efficiency ratio | 81.6286% | 1,984 |
| Assets per employee ($millions) | 3.2780% | 5,610 |
| Cash dividends to net income (ytd only)* | 113.0293% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8668% | 2,783 |
| Loan loss allowance to noncurrent loans | 128.1564% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9912% | 4,521 |
| Noncurrent loans to loans | 1.4567% | 3,931 |
| Net loans and leases to total assets | 58.3925% | 3,973 |
| Net loans and leases to deposits | 64.4144% | 4,575 |
| Net loans and leases to core deposits | 69.7115% | 4,463 |
| Total domestic deposits to total assets | 90.6513% | 713 |
| Equity capital to assets | 8.1642% | 6,399 |
| Core capital (leverage) ratio | 7.6603% | 6,522 |
| Tier 1 risk-based capital ratio | 13.3152% | 4,964 |
| Total risk-based capital ratio | 14.5734% | 4,950 |
| Memoranda: | ||
| Average total assets | $212,120,000 | 2,969 |
| Average earning assets | $198,799,500 | 2,910 |
| Average equity | $16,828,500 | 3,677 |
| Average total loans | $121,368,000 | 3,119 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 4,296 |
| Cost of funding earning assets | 0.7767% | 5,027 |
| Net interest margin | 3.9111% | 3,286 |
| Noninterest income to average assets | 1.3072% | 755 |
| Noninterest expense to average assets | 3.7707% | 1,401 |
| Loan and lease loss provision to assets | 0.4744% | 2,232 |
| Net operating income to assets | 0.7178% | 3,402 |
| Return on assets (ROA) | 0.7044% | 3,650 |
| Pretax return on assets | 0.7068% | 4,301 |
| Return on Equity (ROE) | 8.5993% | 2,632 |
| Retained earnings to average equity (ytd only) | 1.1056% | 5,337 |
| Net charge-offs to loans | 0.7182% | 2,361 |
| Credit loss provision to net charge-offs | 114.4509% | 2,855 |
| Earnings coverage of net charge-offs (x) | 2.8821% | 3,766 |
| Efficiency ratio | 75.9409% | 2,897 |
| Assets per employee ($millions) | 3.5118% | 4,983 |
| Cash dividends to net income (ytd only)* | 87.1429% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8606% | 2,675 |
| Loan loss allowance to noncurrent loans | 203.8391% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 5,407 |
| Noncurrent loans to loans | 0.9128% | 4,860 |
| Net loans and leases to total assets | 54.0236% | 5,033 |
| Net loans and leases to deposits | 59.4751% | 5,550 |
| Net loans and leases to core deposits | 63.8905% | 5,475 |
| Total domestic deposits to total assets | 90.8340% | 571 |
| Equity capital to assets | 7.7146% | 6,722 |
| Core capital (leverage) ratio | 7.4708% | 6,665 |
| Tier 1 risk-based capital ratio | 13.4663% | 4,720 |
| Total risk-based capital ratio | 14.7246% | 4,677 |
| Memoranda: | ||
| Average total assets | $208,688,000 | 2,961 |
| Average earning assets | $195,187,600 | 2,912 |
| Average equity | $17,094,400 | 3,564 |
| Average total loans | $120,443,400 | 3,163 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 4,021 |
| Cost of funding earning assets | 0.8061% | 5,109 |
| Net interest margin | 3.9932% | 2,941 |
| Noninterest income to average assets | 1.2349% | 851 |
| Noninterest expense to average assets | 3.7655% | 1,369 |
| Loan and lease loss provision to assets | 0.4650% | 2,125 |
| Net operating income to assets | 0.7421% | 3,418 |
| Return on assets (ROA) | 0.7266% | 3,658 |
| Pretax return on assets | 0.7292% | 4,381 |
| Return on Equity (ROE) | 8.7366% | 2,719 |
| Retained earnings to average equity (ytd only) | 3.0054% | 4,549 |
| Net charge-offs to loans | 0.5318% | 2,636 |
| Credit loss provision to net charge-offs | 149.6881% | 2,100 |
| Earnings coverage of net charge-offs (x) | 3.8940% | 3,254 |
| Efficiency ratio | 75.6848% | 2,888 |
| Assets per employee ($millions) | 3.3892% | 5,270 |
| Cash dividends to net income (ytd only)* | 65.6004% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9479% | 2,480 |
| Loan loss allowance to noncurrent loans | 219.0654% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 5,702 |
| Noncurrent loans to loans | 0.8892% | 5,082 |
| Net loans and leases to total assets | 56.1502% | 4,815 |
| Net loans and leases to deposits | 62.1646% | 5,381 |
| Net loans and leases to core deposits | 66.9612% | 5,313 |
| Total domestic deposits to total assets | 90.3251% | 708 |
| Equity capital to assets | 8.4619% | 6,339 |
| Core capital (leverage) ratio | 7.7270% | 6,613 |
| Tier 1 risk-based capital ratio | 13.8234% | 4,485 |
| Total risk-based capital ratio | 15.0828% | 4,441 |
| Memoranda: | ||
| Average total assets | $206,427,750 | 3,000 |
| Average earning assets | $193,358,500 | 2,941 |
| Average equity | $17,168,750 | 3,555 |
| Average total loans | $120,590,500 | 3,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8262% | 3,975 |
| Cost of funding earning assets | 0.8311% | 5,187 |
| Net interest margin | 3.9951% | 2,860 |
| Noninterest income to average assets | 1.2125% | 866 |
| Noninterest expense to average assets | 3.8091% | 1,336 |
| Loan and lease loss provision to assets | 0.4484% | 2,180 |
| Net operating income to assets | 0.6911% | 3,586 |
| Return on assets (ROA) | 0.6677% | 3,824 |
| Pretax return on assets | 0.6706% | 4,496 |
| Return on Equity (ROE) | 8.0756% | 2,919 |
| Retained earnings to average equity (ytd only) | 0.6484% | 5,597 |
| Net charge-offs to loans | 0.8187% | 1,866 |
| Credit loss provision to net charge-offs | 93.1174% | 3,372 |
| Earnings coverage of net charge-offs (x) | 2.3725% | 3,636 |
| Efficiency ratio | 76.9291% | 2,873 |
| Assets per employee ($millions) | 3.2212% | 5,595 |
| Cash dividends to net income (ytd only)* | 91.9708% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7133% | 3,286 |
| Loan loss allowance to noncurrent loans | 229.3466% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6713% | 5,558 |
| Noncurrent loans to loans | 0.7470% | 5,415 |
| Net loans and leases to total assets | 57.6301% | 4,701 |
| Net loans and leases to deposits | 63.8992% | 5,289 |
| Net loans and leases to core deposits | 68.7600% | 5,211 |
| Total domestic deposits to total assets | 90.1891% | 873 |
| Equity capital to assets | 8.4440% | 6,242 |
| Core capital (leverage) ratio | 7.7204% | 6,568 |
| Tier 1 risk-based capital ratio | 13.4528% | 4,567 |
| Total risk-based capital ratio | 14.7093% | 4,542 |
| Memoranda: | ||
| Average total assets | $205,193,330 | 3,032 |
| Average earning assets | $192,034,330 | 2,971 |
| Average equity | $16,964,670 | 3,575 |
| Average total loans | $120,676,330 | 3,213 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7728% | 4,188 |
| Cost of funding earning assets | 0.8510% | 5,264 |
| Net interest margin | 3.9218% | 3,035 |
| Noninterest income to average assets | 1.1646% | 954 |
| Noninterest expense to average assets | 3.7868% | 1,358 |
| Loan and lease loss provision to assets | 0.4494% | 1,961 |
| Net operating income to assets | 0.5823% | 4,124 |
| Return on assets (ROA) | 0.5667% | 4,276 |
| Pretax return on assets | 0.5686% | 4,806 |
| Return on Equity (ROE) | 6.9283% | 3,417 |
| Retained earnings to average equity (ytd only) | -2.9147% | 6,280 |
| Net charge-offs to loans | 1.4166% | 968 |
| Credit loss provision to net charge-offs | 53.8642% | 3,671 |
| Earnings coverage of net charge-offs (x) | 1.2389% | 3,741 |
| Efficiency ratio | 78.5570% | 2,760 |
| Assets per employee ($millions) | 3.2755% | 5,537 |
| Cash dividends to net income (ytd only)* | 142.0690% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,793 |
| Loan loss allowance to noncurrent loans | 822.4138% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 6,181 |
| Noncurrent loans to loans | 0.1928% | 6,583 |
| Net loans and leases to total assets | 58.3249% | 4,588 |
| Net loans and leases to deposits | 64.6541% | 5,170 |
| Net loans and leases to core deposits | 69.8202% | 5,062 |
| Total domestic deposits to total assets | 90.2107% | 1,018 |
| Equity capital to assets | 8.1821% | 6,306 |
| Core capital (leverage) ratio | 7.7251% | 6,536 |
| Tier 1 risk-based capital ratio | 13.3058% | 4,572 |
| Total risk-based capital ratio | 14.5603% | 4,550 |
| Memoranda: | ||
| Average total assets | $204,711,000 | 3,057 |
| Average earning assets | $190,833,000 | 2,997 |
| Average equity | $16,743,000 | 3,603 |
| Average total loans | $120,574,500 | 3,247 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 4,301 |
| Cost of funding earning assets | 1.0903% | 5,186 |
| Net interest margin | 3.9645% | 3,179 |
| Noninterest income to average assets | 1.1506% | 1,119 |
| Noninterest expense to average assets | 3.7291% | 1,633 |
| Loan and lease loss provision to assets | 0.4737% | 3,299 |
| Net operating income to assets | 0.6319% | 3,521 |
| Return on assets (ROA) | 0.6691% | 3,493 |
| Pretax return on assets | 0.6715% | 4,087 |
| Return on Equity (ROE) | 8.1934% | 2,621 |
| Retained earnings to average equity (ytd only) | 2.3982% | 4,198 |
| Net charge-offs to loans | 0.7713% | 2,712 |
| Credit loss provision to net charge-offs | 105.2061% | 4,262 |
| Earnings coverage of net charge-offs (x) | 2.4610% | 3,892 |
| Efficiency ratio | 77.0924% | 2,857 |
| Assets per employee ($millions) | 3.3281% | 5,367 |
| Cash dividends to net income (ytd only)* | 70.7299% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 3,062 |
| Loan loss allowance to noncurrent loans | 177.0395% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 4,698 |
| Noncurrent loans to loans | 0.9843% | 5,088 |
| Net loans and leases to total assets | 57.5209% | 5,107 |
| Net loans and leases to deposits | 64.3207% | 5,590 |
| Net loans and leases to core deposits | 66.9840% | 5,775 |
| Total domestic deposits to total assets | 89.4283% | 1,422 |
| Equity capital to assets | 8.1757% | 6,288 |
| Core capital (leverage) ratio | 7.7160% | 6,531 |
| Tier 1 risk-based capital ratio | 13.1626% | 4,478 |
| Total risk-based capital ratio | 14.4190% | 4,430 |
| Memoranda: | ||
| Average total assets | $204,765,600 | 3,042 |
| Average earning assets | $190,413,200 | 2,994 |
| Average equity | $16,720,800 | 3,643 |
| Average total loans | $119,543,600 | 3,319 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 4,393 |
| Cost of funding earning assets | 1.1408% | 5,197 |
| Net interest margin | 3.9457% | 3,341 |
| Noninterest income to average assets | 1.0627% | 1,272 |
| Noninterest expense to average assets | 3.6834% | 1,603 |
| Loan and lease loss provision to assets | 0.4958% | 2,986 |
| Net operating income to assets | 0.5565% | 4,069 |
| Return on assets (ROA) | 0.5956% | 4,048 |
| Pretax return on assets | 0.5982% | 4,600 |
| Return on Equity (ROE) | 7.2964% | 3,206 |
| Retained earnings to average equity (ytd only) | 4.1477% | 3,554 |
| Net charge-offs to loans | 0.8588% | 2,300 |
| Credit loss provision to net charge-offs | 98.9583% | 4,406 |
| Earnings coverage of net charge-offs (x) | 2.1055% | 4,146 |
| Efficiency ratio | 77.7365% | 2,658 |
| Assets per employee ($millions) | 3.3048% | 5,446 |
| Cash dividends to net income (ytd only)* | 43.1545% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 3,184 |
| Loan loss allowance to noncurrent loans | 228.4281% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9463% | 5,203 |
| Noncurrent loans to loans | 0.7393% | 5,724 |
| Net loans and leases to total assets | 58.2150% | 5,233 |
| Net loans and leases to deposits | 65.2692% | 5,748 |
| Net loans and leases to core deposits | 70.9809% | 5,645 |
| Total domestic deposits to total assets | 89.1922% | 1,289 |
| Equity capital to assets | 8.5027% | 6,271 |
| Core capital (leverage) ratio | 7.7525% | 6,624 |
| Tier 1 risk-based capital ratio | 13.1954% | 4,428 |
| Total risk-based capital ratio | 14.4513% | 4,401 |
| Memoranda: | ||
| Average total assets | $204,371,000 | 3,088 |
| Average earning assets | $190,381,750 | 3,040 |
| Average equity | $16,683,500 | 3,700 |
| Average total loans | $119,230,500 | 3,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0814% | 4,553 |
| Cost of funding earning assets | 1.1615% | 5,335 |
| Net interest margin | 3.9199% | 3,353 |
| Noninterest income to average assets | 1.1136% | 1,060 |
| Noninterest expense to average assets | 3.7592% | 1,438 |
| Loan and lease loss provision to assets | 0.4799% | 2,907 |
| Net operating income to assets | 0.5145% | 4,262 |
| Return on assets (ROA) | 0.5407% | 4,287 |
| Pretax return on assets | 0.5436% | 4,763 |
| Return on Equity (ROE) | 6.7164% | 3,436 |
| Retained earnings to average equity (ytd only) | 1.9225% | 4,910 |
| Net charge-offs to loans | 0.7576% | 2,348 |
| Credit loss provision to net charge-offs | 109.1314% | 3,740 |
| Earnings coverage of net charge-offs (x) | 2.2673% | 3,873 |
| Efficiency ratio | 79.0362% | 2,568 |
| Assets per employee ($millions) | 3.3501% | 5,308 |
| Cash dividends to net income (ytd only)* | 71.3768% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7651% | 2,836 |
| Loan loss allowance to noncurrent loans | 158.6989% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 4,434 |
| Noncurrent loans to loans | 1.1122% | 5,100 |
| Net loans and leases to total assets | 57.1366% | 5,541 |
| Net loans and leases to deposits | 63.6198% | 6,072 |
| Net loans and leases to core deposits | 69.3089% | 5,939 |
| Total domestic deposits to total assets | 89.8095% | 1,018 |
| Equity capital to assets | 8.2738% | 6,458 |
| Core capital (leverage) ratio | 7.6044% | 6,725 |
| Tier 1 risk-based capital ratio | 12.9574% | 4,485 |
| Total risk-based capital ratio | 14.2136% | 4,437 |
| Memoranda: | ||
| Average total assets | $204,195,000 | 3,108 |
| Average earning assets | $189,749,330 | 3,065 |
| Average equity | $16,437,330 | 3,727 |
| Average total loans | $118,530,330 | 3,425 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0478% | 4,794 |
| Cost of funding earning assets | 1.1737% | 5,535 |
| Net interest margin | 3.8742% | 3,432 |
| Noninterest income to average assets | 1.1111% | 1,021 |
| Noninterest expense to average assets | 3.8351% | 1,271 |
| Loan and lease loss provision to assets | 0.4703% | 2,616 |
| Net operating income to assets | 0.3939% | 4,863 |
| Return on assets (ROA) | 0.3939% | 5,006 |
| Pretax return on assets | 0.3959% | 5,304 |
| Return on Equity (ROE) | 4.9624% | 4,389 |
| Retained earnings to average equity (ytd only) | -2.0985% | 6,230 |
| Net charge-offs to loans | 1.1794% | 1,439 |
| Credit loss provision to net charge-offs | 68.7679% | 4,130 |
| Earnings coverage of net charge-offs (x) | 1.2665% | 3,993 |
| Efficiency ratio | 81.5757% | 2,340 |
| Assets per employee ($millions) | 3.3040% | 5,534 |
| Cash dividends to net income (ytd only)* | 142.2886% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 3,198 |
| Loan loss allowance to noncurrent loans | 94.7471% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 1.5981% | 4,096 |
| Noncurrent loans to loans | 1.7562% | 4,116 |
| Net loans and leases to total assets | 57.1205% | 5,584 |
| Net loans and leases to deposits | 63.4327% | 6,118 |
| Net loans and leases to core deposits | 69.9132% | 5,925 |
| Total domestic deposits to total assets | 90.0489% | 961 |
| Equity capital to assets | 8.1123% | 6,528 |
| Core capital (leverage) ratio | 7.5494% | 6,798 |
| Tier 1 risk-based capital ratio | 13.0337% | 4,309 |
| Total risk-based capital ratio | 14.2739% | 4,289 |
| Memoranda: | ||
| Average total assets | $204,114,500 | 3,164 |
| Average earning assets | $189,150,000 | 3,129 |
| Average equity | $16,202,000 | 3,796 |
| Average total loans | $118,365,500 | 3,485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5770% | 3,717 |
| Cost of funding earning assets | 1.5245% | 5,407 |
| Net interest margin | 4.0526% | 2,643 |
| Noninterest income to average assets | 1.2460% | 973 |
| Noninterest expense to average assets | 3.7148% | 1,877 |
| Loan and lease loss provision to assets | 0.7928% | 2,755 |
| Net operating income to assets | 0.4985% | 3,737 |
| Return on assets (ROA) | 0.6516% | 3,188 |
| Pretax return on assets | 0.6546% | 3,726 |
| Return on Equity (ROE) | 7.9905% | 2,377 |
| Retained earnings to average equity (ytd only) | -2.0418% | 5,525 |
| Net charge-offs to loans | 1.1647% | 2,099 |
| Credit loss provision to net charge-offs | 110.5336% | 4,978 |
| Earnings coverage of net charge-offs (x) | 1.8046% | 4,370 |
| Efficiency ratio | 74.1615% | 3,864 |
| Assets per employee ($millions) | 3.3336% | 5,417 |
| Cash dividends to net income (ytd only)* | 125.5530% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7191% | 2,835 |
| Loan loss allowance to noncurrent loans | 126.1963% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.4810% | 4,165 |
| Noncurrent loans to loans | 1.3622% | 4,645 |
| Net loans and leases to total assets | 56.8997% | 5,837 |
| Net loans and leases to deposits | 63.4654% | 6,330 |
| Net loans and leases to core deposits | 83.7824% | 5,740 |
| Total domestic deposits to total assets | 89.6547% | 1,129 |
| Equity capital to assets | 7.7675% | 6,800 |
| Core capital (leverage) ratio | 7.5248% | 6,765 |
| Tier 1 risk-based capital ratio | 12.5702% | 4,469 |
| Total risk-based capital ratio | 13.8063% | 4,416 |
| Memoranda: | ||
| Average total assets | $201,196,000 | 3,169 |
| Average earning assets | $186,819,800 | 3,129 |
| Average equity | $16,407,000 | 3,803 |
| Average total loans | $123,892,800 | 3,408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6103% | 3,805 |
| Cost of funding earning assets | 1.6121% | 5,349 |
| Net interest margin | 3.9982% | 2,834 |
| Noninterest income to average assets | 1.1823% | 1,118 |
| Noninterest expense to average assets | 3.7572% | 1,691 |
| Loan and lease loss provision to assets | 0.6339% | 2,857 |
| Net operating income to assets | 0.5114% | 3,932 |
| Return on assets (ROA) | 0.7406% | 3,120 |
| Pretax return on assets | 0.7446% | 3,713 |
| Return on Equity (ROE) | 8.9720% | 2,271 |
| Retained earnings to average equity (ytd only) | 0.0566% | 5,180 |
| Net charge-offs to loans | 0.8355% | 2,289 |
| Credit loss provision to net charge-offs | 121.3282% | 4,182 |
| Earnings coverage of net charge-offs (x) | 2.1954% | 4,176 |
| Efficiency ratio | 76.6122% | 3,397 |
| Assets per employee ($millions) | 3.6509% | 4,540 |
| Cash dividends to net income (ytd only)* | 99.3696% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 2,722 |
| Loan loss allowance to noncurrent loans | 66.7956% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 1.6852% | 3,850 |
| Noncurrent loans to loans | 2.5052% | 3,006 |
| Net loans and leases to total assets | 58.5060% | 5,810 |
| Net loans and leases to deposits | 65.6531% | 6,340 |
| Net loans and leases to core deposits | 87.5434% | 5,683 |
| Total domestic deposits to total assets | 89.1139% | 1,147 |
| Equity capital to assets | 8.2758% | 6,534 |
| Core capital (leverage) ratio | 7.8331% | 6,578 |
| Tier 1 risk-based capital ratio | 12.6735% | 4,413 |
| Total risk-based capital ratio | 13.9169% | 4,368 |
| Memoranda: | ||
| Average total assets | $199,824,250 | 3,204 |
| Average earning assets | $186,010,500 | 3,167 |
| Average equity | $16,495,250 | 3,813 |
| Average total loans | $124,951,250 | 3,402 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6912% | 3,590 |
| Cost of funding earning assets | 1.6854% | 5,345 |
| Net interest margin | 4.0059% | 2,675 |
| Noninterest income to average assets | 1.1631% | 1,157 |
| Noninterest expense to average assets | 3.8343% | 1,602 |
| Loan and lease loss provision to assets | 0.6089% | 2,617 |
| Net operating income to assets | 0.4293% | 4,383 |
| Return on assets (ROA) | 0.7358% | 3,215 |
| Pretax return on assets | 0.7419% | 3,861 |
| Return on Equity (ROE) | 8.9214% | 2,389 |
| Retained earnings to average equity (ytd only) | -4.6514% | 6,249 |
| Net charge-offs to loans | 0.8330% | 2,027 |
| Credit loss provision to net charge-offs | 114.9425% | 4,031 |
| Earnings coverage of net charge-offs (x) | 1.9655% | 4,114 |
| Efficiency ratio | 78.6428% | 3,246 |
| Assets per employee ($millions) | 3.3632% | 5,153 |
| Cash dividends to net income (ytd only)* | 152.1379% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 2,747 |
| Loan loss allowance to noncurrent loans | 107.5963% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 4,562 |
| Noncurrent loans to loans | 1.4868% | 4,267 |
| Net loans and leases to total assets | 62.5290% | 5,264 |
| Net loans and leases to deposits | 70.7369% | 5,906 |
| Net loans and leases to core deposits | 96.5465% | 4,836 |
| Total domestic deposits to total assets | 88.3966% | 1,578 |
| Equity capital to assets | 8.3137% | 6,312 |
| Core capital (leverage) ratio | 7.8334% | 6,573 |
| Tier 1 risk-based capital ratio | 12.7195% | 4,347 |
| Total risk-based capital ratio | 13.9180% | 4,301 |
| Memoranda: | ||
| Average total assets | $197,065,670 | 3,257 |
| Average earning assets | $182,631,330 | 3,233 |
| Average equity | $16,253,000 | 3,874 |
| Average total loans | $125,327,330 | 3,436 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6938% | 3,838 |
| Cost of funding earning assets | 1.7110% | 5,554 |
| Net interest margin | 3.9828% | 2,716 |
| Noninterest income to average assets | 1.1935% | 1,018 |
| Noninterest expense to average assets | 3.7240% | 1,608 |
| Loan and lease loss provision to assets | 0.5453% | 2,292 |
| Net operating income to assets | 0.5974% | 4,025 |
| Return on assets (ROA) | 0.5776% | 4,307 |
| Pretax return on assets | 0.5897% | 4,787 |
| Return on Equity (ROE) | 7.0309% | 3,578 |
| Retained earnings to average equity (ytd only) | -17.4052% | 7,560 |
| Net charge-offs to loans | 1.4379% | 997 |
| Credit loss provision to net charge-offs | 59.6026% | 4,524 |
| Earnings coverage of net charge-offs (x) | 1.2627% | 4,110 |
| Efficiency ratio | 76.3245% | 3,435 |
| Assets per employee ($millions) | 3.5180% | 4,772 |
| Cash dividends to net income (ytd only)* | 347.5524% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 3,648 |
| Loan loss allowance to noncurrent loans | 90.1571% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.4161% | 3,816 |
| Noncurrent loans to loans | 1.5232% | 4,000 |
| Net loans and leases to total assets | 63.9177% | 5,004 |
| Net loans and leases to deposits | 72.0666% | 5,738 |
| Net loans and leases to core deposits | 98.4297% | 4,703 |
| Total domestic deposits to total assets | 88.6925% | 1,384 |
| Equity capital to assets | 8.2950% | 6,400 |
| Core capital (leverage) ratio | 7.3317% | 7,345 |
| Tier 1 risk-based capital ratio | 11.7111% | 5,198 |
| Total risk-based capital ratio | 12.9633% | 5,118 |
| Memoranda: | ||
| Average total assets | $198,067,000 | 3,263 |
| Average earning assets | $183,288,500 | 3,245 |
| Average equity | $16,271,000 | 3,891 |
| Average total loans | $126,014,000 | 3,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0883% | 5,106 |
| Cost of funding earning assets | 2.1133% | 5,986 |
| Net interest margin | 3.9750% | 3,238 |
| Noninterest income to average assets | 1.5215% | 603 |
| Noninterest expense to average assets | 3.7482% | 1,859 |
| Loan and lease loss provision to assets | 0.4789% | 2,906 |
| Net operating income to assets | 0.8835% | 3,077 |
| Return on assets (ROA) | 0.8817% | 2,926 |
| Pretax return on assets | 0.9810% | 3,447 |
| Return on Equity (ROE) | 11.0006% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.3162% | 1,853 |
| Net charge-offs to loans | 0.3167% | 3,275 |
| Credit loss provision to net charge-offs | 235.9694% | 2,007 |
| Earnings coverage of net charge-offs (x) | 7.2041% | 3,161 |
| Efficiency ratio | 71.9396% | 3,950 |
| Assets per employee ($millions) | 3.3774% | 5,004 |
| Cash dividends to net income (ytd only)* | 51.6735% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 2,661 |
| Loan loss allowance to noncurrent loans | 97.1939% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 3,839 |
| Noncurrent loans to loans | 1.5478% | 3,473 |
| Net loans and leases to total assets | 61.5496% | 5,689 |
| Net loans and leases to deposits | 70.3078% | 6,240 |
| Net loans and leases to core deposits | 92.5274% | 5,589 |
| Total domestic deposits to total assets | 87.5431% | 1,692 |
| Equity capital to assets | 8.1385% | 6,643 |
| Core capital (leverage) ratio | 8.1197% | 6,299 |
| Tier 1 risk-based capital ratio | 12.3772% | 4,521 |
| Total risk-based capital ratio | 13.6300% | 4,420 |
| Memoranda: | ||
| Average total assets | $193,160,400 | 3,224 |
| Average earning assets | $179,244,200 | 3,193 |
| Average equity | $15,481,000 | 4,029 |
| Average total loans | $123,780,400 | 3,387 |