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 | 4.9211% | 3,227 |
| Cost of funding earning assets | 0.8431% | 4,146 |
| Net interest margin | 4.0781% | 1,082 |
| Noninterest income to average assets | 0.8600% | 814 |
| Noninterest expense to average assets | 2.7267% | 1,690 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.9227% | 446 |
| Return on assets (ROA) | 1.9227% | 450 |
| Pretax return on assets | 1.9227% | 676 |
| Return on Equity (ROE) | 26.7300% | 150 |
| Retained earnings to average equity (ytd only) | 5.9646% | 1,840 |
| Net charge-offs to loans | 0.0585% | 1,543 |
| Credit loss provision to net charge-offs | 209.0909% | 1,102 |
| Earnings coverage of net charge-offs (x) | 86.0636% | 893 |
| Efficiency ratio | 58.1291% | 3,343 |
| Assets per employee ($millions) | 4.9237% | 3,699 |
| Cash dividends to net income (ytd only)* | 77.6867% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 2,651 |
| Loan loss allowance to noncurrent loans | 190.4134% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 2,313 |
| Noncurrent loans to loans | 0.5824% | 1,632 |
| Net loans and leases to total assets | 40.4200% | 3,993 |
| Net loans and leases to deposits | 44.1438% | 4,065 |
| Net loans and leases to core deposits | 48.7382% | 4,042 |
| Total domestic deposits to total assets | 91.5700% | 380 |
| Equity capital to assets | 7.6729% | 3,685 |
| Core capital (leverage) ratio | 8.9129% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7149% | 543 |
| Memoranda: | ||
| Average total assets | $482,020,000 | 1,811 |
| Average earning assets | $452,517,800 | 1,788 |
| Average equity | $34,671,000 | 2,182 |
| Average total loans | $187,969,800 | 2,462 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9188% | 3,166 |
| Cost of funding earning assets | 0.8260% | 4,179 |
| Net interest margin | 4.0929% | 1,025 |
| Noninterest income to average assets | 0.8300% | 829 |
| Noninterest expense to average assets | 2.7120% | 1,645 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.9222% | 482 |
| Return on assets (ROA) | 1.9222% | 488 |
| Pretax return on assets | 1.9222% | 726 |
| Return on Equity (ROE) | 27.1700% | 156 |
| Retained earnings to average equity (ytd only) | 6.1053% | 2,052 |
| Net charge-offs to loans | 0.0100% | 2,274 |
| Credit loss provision to net charge-offs | 1,178.5714% | 356 |
| Earnings coverage of net charge-offs (x) | 507.6429% | 238 |
| Efficiency ratio | 58.0312% | 3,346 |
| Assets per employee ($millions) | 5.0144% | 3,643 |
| Cash dividends to net income (ytd only)* | 77.5305% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 2,437 |
| Loan loss allowance to noncurrent loans | 209.7421% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 2,123 |
| Noncurrent loans to loans | 0.5519% | 1,710 |
| Net loans and leases to total assets | 38.9500% | 4,060 |
| Net loans and leases to deposits | 42.5842% | 4,141 |
| Net loans and leases to core deposits | 46.5636% | 4,114 |
| Total domestic deposits to total assets | 91.4700% | 267 |
| Equity capital to assets | 7.9767% | 3,721 |
| Core capital (leverage) ratio | 8.7993% | 3,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9577% | 535 |
| Memoranda: | ||
| Average total assets | $483,124,250 | 1,806 |
| Average earning assets | $453,590,750 | 1,789 |
| Average equity | $34,177,250 | 2,207 |
| Average total loans | $186,154,500 | 2,466 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8704% | 3,157 |
| Cost of funding earning assets | 0.7959% | 4,188 |
| Net interest margin | 4.0745% | 1,029 |
| Noninterest income to average assets | 0.8200% | 829 |
| Noninterest expense to average assets | 2.6756% | 1,741 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.9371% | 480 |
| Return on assets (ROA) | 1.9371% | 483 |
| Pretax return on assets | 1.9371% | 704 |
| Return on Equity (ROE) | 28.5900% | 146 |
| Retained earnings to average equity (ytd only) | 8.1476% | 1,330 |
| Net charge-offs to loans | 0.0151% | 1,884 |
| Credit loss provision to net charge-offs | 642.8571% | 531 |
| Earnings coverage of net charge-offs (x) | 340.8571% | 348 |
| Efficiency ratio | 57.5558% | 3,430 |
| Assets per employee ($millions) | 5.3115% | 3,361 |
| Cash dividends to net income (ytd only)* | 71.5048% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,657 |
| Loan loss allowance to noncurrent loans | 200.4726% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 2,042 |
| Noncurrent loans to loans | 0.5600% | 1,615 |
| Net loans and leases to total assets | 38.6500% | 4,077 |
| Net loans and leases to deposits | 41.8950% | 4,159 |
| Net loans and leases to core deposits | 45.6882% | 4,129 |
| Total domestic deposits to total assets | 92.2500% | 230 |
| Equity capital to assets | 7.0475% | 3,920 |
| Core capital (leverage) ratio | 8.7560% | 3,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7090% | 552 |
| Memoranda: | ||
| Average total assets | $483,706,000 | 1,801 |
| Average earning assets | $454,580,333 | 1,780 |
| Average equity | $32,770,333 | 2,239 |
| Average total loans | $184,969,000 | 2,465 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8545% | 3,064 |
| Cost of funding earning assets | 0.7790% | 4,188 |
| Net interest margin | 4.0755% | 995 |
| Noninterest income to average assets | 0.8100% | 802 |
| Noninterest expense to average assets | 2.6519% | 1,814 |
| Loan and lease loss provision to assets | 0.0400% | 1,880 |
| Net operating income to assets | 1.9501% | 476 |
| Return on assets (ROA) | 1.9501% | 485 |
| Pretax return on assets | 1.9501% | 678 |
| Return on Equity (ROE) | 29.3700% | 153 |
| Retained earnings to average equity (ytd only) | 10.0736% | 1,092 |
| Net charge-offs to loans | -0.0459% | 4,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.1632% | 3,505 |
| Assets per employee ($millions) | 5.1627% | 3,543 |
| Cash dividends to net income (ytd only)* | 65.7058% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 2,549 |
| Loan loss allowance to noncurrent loans | 143.4103% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 1,850 |
| Noncurrent loans to loans | 0.8015% | 1,103 |
| Net loans and leases to total assets | 37.4100% | 4,104 |
| Net loans and leases to deposits | 40.5531% | 4,168 |
| Net loans and leases to core deposits | 44.3730% | 4,196 |
| Total domestic deposits to total assets | 92.2500% | 299 |
| Equity capital to assets | 6.6914% | 4,027 |
| Core capital (leverage) ratio | 8.5031% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2463% | 592 |
| Memoranda: | ||
| Average total assets | $483,883,500 | 1,802 |
| Average earning assets | $454,917,000 | 1,785 |
| Average equity | $32,123,500 | 2,266 |
| Average total loans | $182,991,000 | 2,475 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5833% | 2,931 |
| Cost of funding earning assets | 0.4499% | 4,248 |
| Net interest margin | 4.1334% | 1,029 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.5717% | 2,095 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.1437% | 370 |
| Return on assets (ROA) | 2.1437% | 361 |
| Pretax return on assets | 2.1437% | 530 |
| Return on Equity (ROE) | 36.3700% | 113 |
| Retained earnings to average equity (ytd only) | 11.2411% | 743 |
| Net charge-offs to loans | 0.3452% | 317 |
| Credit loss provision to net charge-offs | 28.8303% | 2,279 |
| Earnings coverage of net charge-offs (x) | 17.8138% | 1,962 |
| Efficiency ratio | 54.1336% | 3,670 |
| Assets per employee ($millions) | 5.1879% | 3,485 |
| Cash dividends to net income (ytd only)* | 69.0919% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,713 |
| Loan loss allowance to noncurrent loans | 125.1530% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3443% | 1,586 |
| Noncurrent loans to loans | 0.8962% | 840 |
| Net loans and leases to total assets | 37.3700% | 4,114 |
| Net loans and leases to deposits | 40.4038% | 4,192 |
| Net loans and leases to core deposits | 43.8735% | 4,208 |
| Total domestic deposits to total assets | 92.4800% | 231 |
| Equity capital to assets | 6.5856% | 4,088 |
| Core capital (leverage) ratio | 8.2537% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0345% | 608 |
| Memoranda: | ||
| Average total assets | $496,242,600 | 1,735 |
| Average earning assets | $461,263,600 | 1,729 |
| Average equity | $29,249,800 | 2,299 |
| Average total loans | $175,831,800 | 2,482 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 2,966 |
| Cost of funding earning assets | 0.3744% | 4,283 |
| Net interest margin | 4.0964% | 1,074 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.5608% | 2,053 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.9967% | 503 |
| Return on assets (ROA) | 1.9967% | 491 |
| Pretax return on assets | 1.9967% | 752 |
| Return on Equity (ROE) | 34.8600% | 162 |
| Retained earnings to average equity (ytd only) | 9.9373% | 1,424 |
| Net charge-offs to loans | 0.3819% | 225 |
| Credit loss provision to net charge-offs | 35.0701% | 1,952 |
| Earnings coverage of net charge-offs (x) | 15.3467% | 1,966 |
| Efficiency ratio | 55.6187% | 3,430 |
| Assets per employee ($millions) | 5.0996% | 3,526 |
| Cash dividends to net income (ytd only)* | 71.4954% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,236 |
| Loan loss allowance to noncurrent loans | 122.5384% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.4490% | 1,296 |
| Noncurrent loans to loans | 1.0014% | 803 |
| Net loans and leases to total assets | 35.4000% | 4,202 |
| Net loans and leases to deposits | 37.8680% | 4,257 |
| Net loans and leases to core deposits | 40.1370% | 4,256 |
| Total domestic deposits to total assets | 93.4800% | 245 |
| Equity capital to assets | 5.7703% | 4,062 |
| Core capital (leverage) ratio | 8.1107% | 4,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3631% | 599 |
| Memoranda: | ||
| Average total assets | $499,684,500 | 1,729 |
| Average earning assets | $462,926,000 | 1,732 |
| Average equity | $28,618,750 | 2,320 |
| Average total loans | $174,206,750 | 2,493 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 2,999 |
| Cost of funding earning assets | 0.3002% | 4,314 |
| Net interest margin | 4.0496% | 1,153 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.5357% | 2,107 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.9437% | 509 |
| Return on assets (ROA) | 1.9437% | 507 |
| Pretax return on assets | 1.9437% | 815 |
| Return on Equity (ROE) | 34.0200% | 160 |
| Retained earnings to average equity (ytd only) | 9.3174% | 1,601 |
| Net charge-offs to loans | 0.5535% | 150 |
| Credit loss provision to net charge-offs | 36.3825% | 1,721 |
| Earnings coverage of net charge-offs (x) | 10.5281% | 1,990 |
| Efficiency ratio | 55.7420% | 3,452 |
| Assets per employee ($millions) | 5.5020% | 3,149 |
| Cash dividends to net income (ytd only)* | 72.6120% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,049 |
| Loan loss allowance to noncurrent loans | 169.6094% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,444 |
| Noncurrent loans to loans | 0.7506% | 1,007 |
| Net loans and leases to total assets | 34.0000% | 4,236 |
| Net loans and leases to deposits | 36.4412% | 4,287 |
| Net loans and leases to core deposits | 38.5220% | 4,285 |
| Total domestic deposits to total assets | 93.3000% | 210 |
| Equity capital to assets | 5.8597% | 4,192 |
| Core capital (leverage) ratio | 7.9785% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2945% | 607 |
| Memoranda: | ||
| Average total assets | $503,059,000 | 1,720 |
| Average earning assets | $465,674,333 | 1,723 |
| Average equity | $28,742,000 | 2,321 |
| Average total loans | $173,789,333 | 2,494 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2147% | 3,007 |
| Cost of funding earning assets | 0.2376% | 4,314 |
| Net interest margin | 3.9771% | 1,311 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.4159% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9832% | 505 |
| Return on assets (ROA) | 1.9832% | 497 |
| Pretax return on assets | 1.9832% | 803 |
| Return on Equity (ROE) | 35.0700% | 158 |
| Retained earnings to average equity (ytd only) | 19.7664% | 393 |
| Net charge-offs to loans | -0.0111% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.9174% | 3,514 |
| Assets per employee ($millions) | 5.5325% | 3,187 |
| Cash dividends to net income (ytd only)* | 43.6300% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,086 |
| Loan loss allowance to noncurrent loans | 184.5113% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,692 |
| Noncurrent loans to loans | 0.6986% | 1,090 |
| Net loans and leases to total assets | 27.3900% | 4,412 |
| Net loans and leases to deposits | 29.5826% | 4,453 |
| Net loans and leases to core deposits | 31.5342% | 4,433 |
| Total domestic deposits to total assets | 92.6000% | 378 |
| Equity capital to assets | 6.0971% | 4,168 |
| Core capital (leverage) ratio | 7.6250% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9897% | 503 |
| Memoranda: | ||
| Average total assets | $346,705,500 | 2,248 |
| Average earning assets | $319,930,500 | 2,255 |
| Average equity | $19,609,000 | 2,924 |
| Average total loans | $107,640,000 | 3,114 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8750% | 4,262 |
| Cost of funding earning assets | 0.1053% | 4,371 |
| Net interest margin | 2.7697% | 3,943 |
| Noninterest income to average assets | 0.9100% | 764 |
| Noninterest expense to average assets | 2.3024% | 2,725 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1348% | 2,032 |
| Return on assets (ROA) | 1.2636% | 1,504 |
| Pretax return on assets | 1.2636% | 2,225 |
| Return on Equity (ROE) | 20.9200% | 399 |
| Retained earnings to average equity (ytd only) | 11.1409% | 855 |
| Net charge-offs to loans | -0.0081% | 3,750 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.5074% | 2,147 |
| Assets per employee ($millions) | 5.9389% | 2,823 |
| Cash dividends to net income (ytd only)* | 46.7503% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 3,846 |
| Loan loss allowance to noncurrent loans | 140.9091% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 1,618 |
| Noncurrent loans to loans | 0.6229% | 1,193 |
| Net loans and leases to total assets | 33.9700% | 4,287 |
| Net loans and leases to deposits | 36.3149% | 4,337 |
| Net loans and leases to core deposits | 38.5395% | 4,320 |
| Total domestic deposits to total assets | 93.5400% | 302 |
| Equity capital to assets | 5.2238% | 4,308 |
| Core capital (leverage) ratio | 7.3296% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2689% | 940 |
| Memoranda: | ||
| Average total assets | $347,035,200 | 2,235 |
| Average earning assets | $316,203,200 | 2,258 |
| Average equity | $20,958,800 | 2,861 |
| Average total loans | $111,679,400 | 3,009 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5328% | 4,433 |
| Cost of funding earning assets | 0.0888% | 4,356 |
| Net interest margin | 2.4440% | 4,268 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 2.2596% | 2,757 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8877% | 2,925 |
| Return on assets (ROA) | 1.0599% | 2,217 |
| Pretax return on assets | 1.0599% | 2,843 |
| Return on Equity (ROE) | 16.9700% | 797 |
| Retained earnings to average equity (ytd only) | 12.9615% | 622 |
| Net charge-offs to loans | -0.0085% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.2677% | 1,612 |
| Assets per employee ($millions) | 5.6580% | 3,071 |
| Cash dividends to net income (ytd only)* | 23.6192% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,733 |
| Loan loss allowance to noncurrent loans | 117.9372% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 1,570 |
| Noncurrent loans to loans | 0.7976% | 1,009 |
| Net loans and leases to total assets | 31.0800% | 4,395 |
| Net loans and leases to deposits | 33.1165% | 4,436 |
| Net loans and leases to core deposits | 35.0516% | 4,421 |
| Total domestic deposits to total assets | 93.8500% | 382 |
| Equity capital to assets | 5.1042% | 4,264 |
| Core capital (leverage) ratio | 7.2133% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6823% | 894 |
| Memoranda: | ||
| Average total assets | $346,195,000 | 2,254 |
| Average earning assets | $315,372,500 | 2,275 |
| Average equity | $21,622,500 | 2,848 |
| Average total loans | $109,577,750 | 3,040 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2927% | 4,528 |
| Cost of funding earning assets | 0.0731% | 4,441 |
| Net interest margin | 2.2196% | 4,405 |
| Noninterest income to average assets | 1.0007% | 664 |
| Noninterest expense to average assets | 2.2685% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7521% | 3,137 |
| Return on assets (ROA) | 1.0129% | 2,079 |
| Pretax return on assets | 1.0129% | 2,679 |
| Return on Equity (ROE) | 15.2513% | 843 |
| Retained earnings to average equity (ytd only) | 10.8586% | 808 |
| Net charge-offs to loans | -0.0037% | 3,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5412% | 1,450 |
| Assets per employee ($millions) | 5.6135% | 3,116 |
| Cash dividends to net income (ytd only)* | 28.8018% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,584 |
| Loan loss allowance to noncurrent loans | 108.4974% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 1,495 |
| Noncurrent loans to loans | 0.9234% | 906 |
| Net loans and leases to total assets | 29.7269% | 4,469 |
| Net loans and leases to deposits | 31.9652% | 4,503 |
| Net loans and leases to core deposits | 33.9318% | 4,479 |
| Total domestic deposits to total assets | 92.9979% | 514 |
| Equity capital to assets | 5.8706% | 4,243 |
| Core capital (leverage) ratio | 7.1045% | 4,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1376% | 832 |
| Memoranda: | ||
| Average total assets | $342,775,333 | 2,281 |
| Average earning assets | $311,951,667 | 2,318 |
| Average equity | $22,765,333 | 2,837 |
| Average total loans | $108,826,333 | 3,080 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1426% | 4,559 |
| Cost of funding earning assets | 0.0675% | 4,476 |
| Net interest margin | 2.0751% | 4,466 |
| Noninterest income to average assets | 0.8091% | 1,023 |
| Noninterest expense to average assets | 2.2732% | 2,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4163% | 3,922 |
| Return on assets (ROA) | 0.9420% | 2,093 |
| Pretax return on assets | 0.9420% | 2,625 |
| Return on Equity (ROE) | 13.3879% | 958 |
| Retained earnings to average equity (ytd only) | 6.7023% | 1,995 |
| Net charge-offs to loans | 0.0036% | 1,642 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 354.0000% | 280 |
| Efficiency ratio | 83.9091% | 860 |
| Assets per employee ($millions) | 5.8586% | 2,936 |
| Cash dividends to net income (ytd only)* | 49.9376% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,664 |
| Loan loss allowance to noncurrent loans | 101.5564% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 1,419 |
| Noncurrent loans to loans | 0.9976% | 908 |
| Net loans and leases to total assets | 29.0170% | 4,475 |
| Net loans and leases to deposits | 31.3552% | 4,516 |
| Net loans and leases to core deposits | 32.2834% | 4,526 |
| Total domestic deposits to total assets | 92.5429% | 394 |
| Equity capital to assets | 6.2594% | 4,513 |
| Core capital (leverage) ratio | 7.0407% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3934% | 980 |
| Memoranda: | ||
| Average total assets | $340,144,000 | 2,296 |
| Average earning assets | $308,221,500 | 2,343 |
| Average equity | $23,932,000 | 2,842 |
| Average total loans | $110,985,500 | 3,047 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3983% | 4,541 |
| Cost of funding earning assets | 0.0883% | 4,472 |
| Net interest margin | 2.3100% | 4,403 |
| Noninterest income to average assets | 1.1776% | 766 |
| Noninterest expense to average assets | 2.4985% | 2,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7561% | 3,468 |
| Return on assets (ROA) | 0.7561% | 3,533 |
| Pretax return on assets | 0.7561% | 3,825 |
| Return on Equity (ROE) | 9.0829% | 2,881 |
| Retained earnings to average equity (ytd only) | 5.3791% | 2,631 |
| Net charge-offs to loans | -0.0462% | 4,295 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2145% | 1,090 |
| Assets per employee ($millions) | 5.3897% | 3,367 |
| Cash dividends to net income (ytd only)* | 40.7779% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8787% | 4,116 |
| Loan loss allowance to noncurrent loans | 89.6996% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 933 |
| Noncurrent loans to loans | 0.9796% | 1,015 |
| Net loans and leases to total assets | 35.8555% | 4,292 |
| Net loans and leases to deposits | 39.4694% | 4,355 |
| Net loans and leases to core deposits | 40.4460% | 4,380 |
| Total domestic deposits to total assets | 90.8438% | 558 |
| Equity capital to assets | 7.8660% | 4,435 |
| Core capital (leverage) ratio | 7.2892% | 4,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4327% | 1,405 |
| Memoranda: | ||
| Average total assets | $316,225,600 | 2,356 |
| Average earning assets | $284,332,200 | 2,405 |
| Average equity | $26,324,200 | 2,759 |
| Average total loans | $116,823,600 | 2,980 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4124% | 4,623 |
| Cost of funding earning assets | 0.0934% | 4,550 |
| Net interest margin | 2.3191% | 4,473 |
| Noninterest income to average assets | 1.1800% | 823 |
| Noninterest expense to average assets | 2.5266% | 2,047 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7372% | 3,680 |
| Return on assets (ROA) | 0.7372% | 3,743 |
| Pretax return on assets | 0.7372% | 4,004 |
| Return on Equity (ROE) | 8.7290% | 3,193 |
| Retained earnings to average equity (ytd only) | 5.1991% | 3,144 |
| Net charge-offs to loans | -0.0413% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8528% | 973 |
| Assets per employee ($millions) | 5.2019% | 3,499 |
| Cash dividends to net income (ytd only)* | 40.4391% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9158% | 4,112 |
| Loan loss allowance to noncurrent loans | 83.9052% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 970 |
| Noncurrent loans to loans | 1.0915% | 1,034 |
| Net loans and leases to total assets | 33.9051% | 4,473 |
| Net loans and leases to deposits | 37.5642% | 4,525 |
| Net loans and leases to core deposits | 38.5940% | 4,556 |
| Total domestic deposits to total assets | 90.2590% | 653 |
| Equity capital to assets | 8.0624% | 4,490 |
| Core capital (leverage) ratio | 7.2534% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1886% | 1,317 |
| Memoranda: | ||
| Average total assets | $313,089,500 | 2,396 |
| Average earning assets | $281,315,000 | 2,445 |
| Average equity | $26,440,000 | 2,791 |
| Average total loans | $116,297,750 | 3,024 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4518% | 4,649 |
| Cost of funding earning assets | 0.1011% | 4,575 |
| Net interest margin | 2.3507% | 4,465 |
| Noninterest income to average assets | 1.2446% | 756 |
| Noninterest expense to average assets | 2.5573% | 1,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7994% | 3,516 |
| Return on assets (ROA) | 0.7994% | 3,589 |
| Pretax return on assets | 0.7994% | 3,867 |
| Return on Equity (ROE) | 9.3171% | 3,009 |
| Retained earnings to average equity (ytd only) | 6.6702% | 2,556 |
| Net charge-offs to loans | -0.0187% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6234% | 1,119 |
| Assets per employee ($millions) | 4.9202% | 3,725 |
| Cash dividends to net income (ytd only)* | 28.4091% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8849% | 4,200 |
| Loan loss allowance to noncurrent loans | 82.1311% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 0.7863% | 1,034 |
| Noncurrent loans to loans | 1.0775% | 1,127 |
| Net loans and leases to total assets | 35.6398% | 4,471 |
| Net loans and leases to deposits | 39.4914% | 4,535 |
| Net loans and leases to core deposits | 40.6391% | 4,564 |
| Total domestic deposits to total assets | 90.2471% | 672 |
| Equity capital to assets | 8.4489% | 4,241 |
| Core capital (leverage) ratio | 7.4094% | 4,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1865% | 1,294 |
| Memoranda: | ||
| Average total assets | $308,213,333 | 2,409 |
| Average earning assets | $276,936,667 | 2,469 |
| Average equity | $26,446,000 | 2,787 |
| Average total loans | $117,683,667 | 3,029 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5684% | 4,601 |
| Cost of funding earning assets | 0.1129% | 4,566 |
| Net interest margin | 2.4556% | 4,359 |
| Noninterest income to average assets | 1.3199% | 741 |
| Noninterest expense to average assets | 2.5283% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9893% | 2,840 |
| Return on assets (ROA) | 0.9893% | 2,937 |
| Pretax return on assets | 0.9893% | 3,401 |
| Return on Equity (ROE) | 11.4388% | 2,205 |
| Retained earnings to average equity (ytd only) | 6.1290% | 2,845 |
| Net charge-offs to loans | -0.0334% | 4,225 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3540% | 1,558 |
| Assets per employee ($millions) | 5.0587% | 3,584 |
| Cash dividends to net income (ytd only)* | 46.4191% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,176 |
| Loan loss allowance to noncurrent loans | 81.6476% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.7981% | 1,124 |
| Noncurrent loans to loans | 1.0924% | 1,220 |
| Net loans and leases to total assets | 35.4641% | 4,527 |
| Net loans and leases to deposits | 39.5548% | 4,581 |
| Net loans and leases to core deposits | 41.1507% | 4,589 |
| Total domestic deposits to total assets | 89.6581% | 992 |
| Equity capital to assets | 8.3526% | 4,230 |
| Core capital (leverage) ratio | 7.4882% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6911% | 1,387 |
| Memoranda: | ||
| Average total assets | $304,874,000 | 2,416 |
| Average earning assets | $272,851,000 | 2,473 |
| Average equity | $26,366,500 | 2,779 |
| Average total loans | $119,911,000 | 3,018 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 4,087 |
| Cost of funding earning assets | 0.2459% | 4,399 |
| Net interest margin | 3.2184% | 3,310 |
| Noninterest income to average assets | 1.5524% | 505 |
| Noninterest expense to average assets | 2.9727% | 1,499 |
| Loan and lease loss provision to assets | 0.0568% | 3,659 |
| Net operating income to assets | 1.3581% | 1,109 |
| Return on assets (ROA) | 1.3581% | 1,200 |
| Pretax return on assets | 1.3581% | 1,791 |
| Return on Equity (ROE) | 14.7595% | 675 |
| Retained earnings to average equity (ytd only) | 0.8646% | 4,270 |
| Net charge-offs to loans | 0.0030% | 3,266 |
| Credit loss provision to net charge-offs | 4,000.0000% | 261 |
| Earnings coverage of net charge-offs (x) | 996.0000% | 119 |
| Efficiency ratio | 67.2899% | 2,326 |
| Assets per employee ($millions) | 4.8543% | 3,543 |
| Cash dividends to net income (ytd only)* | 94.1423% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7767% | 4,468 |
| Loan loss allowance to noncurrent loans | 80.5037% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 1,169 |
| Noncurrent loans to loans | 0.9648% | 1,463 |
| Net loans and leases to total assets | 42.7547% | 4,314 |
| Net loans and leases to deposits | 47.8811% | 4,393 |
| Net loans and leases to core deposits | 50.1527% | 4,416 |
| Total domestic deposits to total assets | 89.2935% | 857 |
| Equity capital to assets | 8.9615% | 4,089 |
| Core capital (leverage) ratio | 7.6917% | 4,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6333% | 1,996 |
| Memoranda: | ||
| Average total assets | $281,560,600 | 2,393 |
| Average earning assets | $248,044,000 | 2,476 |
| Average equity | $25,908,800 | 2,745 |
| Average total loans | $132,020,400 | 2,841 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 4,088 |
| Cost of funding earning assets | 0.2778% | 4,400 |
| Net interest margin | 3.2890% | 3,228 |
| Noninterest income to average assets | 1.4977% | 523 |
| Noninterest expense to average assets | 2.8458% | 1,832 |
| Loan and lease loss provision to assets | 0.0479% | 3,765 |
| Net operating income to assets | 1.5064% | 891 |
| Return on assets (ROA) | 1.5064% | 973 |
| Pretax return on assets | 1.5064% | 1,435 |
| Return on Equity (ROE) | 16.2572% | 519 |
| Retained earnings to average equity (ytd only) | 2.1486% | 3,878 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2063% | 2,702 |
| Assets per employee ($millions) | 4.3708% | 3,982 |
| Cash dividends to net income (ytd only)* | 86.7834% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 4,554 |
| Loan loss allowance to noncurrent loans | 71.6475% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.0490% | 1,035 |
| Noncurrent loans to loans | 0.9961% | 1,502 |
| Net loans and leases to total assets | 45.0911% | 4,366 |
| Net loans and leases to deposits | 50.9391% | 4,455 |
| Net loans and leases to core deposits | 53.6828% | 4,462 |
| Total domestic deposits to total assets | 88.5196% | 968 |
| Equity capital to assets | 9.3291% | 3,835 |
| Core capital (leverage) ratio | 8.0092% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7808% | 1,899 |
| Memoranda: | ||
| Average total assets | $277,923,250 | 2,392 |
| Average earning assets | $245,252,250 | 2,482 |
| Average equity | $25,752,000 | 2,747 |
| Average total loans | $133,127,500 | 2,837 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6778% | 4,130 |
| Cost of funding earning assets | 0.3191% | 4,399 |
| Net interest margin | 3.3587% | 3,228 |
| Noninterest income to average assets | 1.4854% | 478 |
| Noninterest expense to average assets | 2.8644% | 1,927 |
| Loan and lease loss provision to assets | 0.0729% | 3,387 |
| Net operating income to assets | 1.5175% | 894 |
| Return on assets (ROA) | 1.5175% | 971 |
| Pretax return on assets | 1.5175% | 1,412 |
| Return on Equity (ROE) | 16.4161% | 500 |
| Retained earnings to average equity (ytd only) | 1.0408% | 4,088 |
| Net charge-offs to loans | -0.0075% | 4,123 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8253% | 2,846 |
| Assets per employee ($millions) | 4.3469% | 3,959 |
| Cash dividends to net income (ytd only)* | 93.6599% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 4,528 |
| Loan loss allowance to noncurrent loans | 76.8602% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.0419% | 1,132 |
| Noncurrent loans to loans | 0.9330% | 1,656 |
| Net loans and leases to total assets | 46.0612% | 4,365 |
| Net loans and leases to deposits | 51.9037% | 4,453 |
| Net loans and leases to core deposits | 55.9275% | 4,438 |
| Total domestic deposits to total assets | 88.7435% | 846 |
| Equity capital to assets | 9.4334% | 3,718 |
| Core capital (leverage) ratio | 8.1563% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1897% | 1,731 |
| Memoranda: | ||
| Average total assets | $274,406,333 | 2,383 |
| Average earning assets | $242,592,667 | 2,473 |
| Average equity | $25,365,333 | 2,757 |
| Average total loans | $133,833,000 | 2,821 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,265 |
| Cost of funding earning assets | 0.3754% | 4,446 |
| Net interest margin | 3.4001% | 3,298 |
| Noninterest income to average assets | 1.1097% | 701 |
| Noninterest expense to average assets | 2.7581% | 2,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3539% | 1,095 |
| Return on assets (ROA) | 1.3539% | 1,178 |
| Pretax return on assets | 1.3539% | 1,706 |
| Return on Equity (ROE) | 14.8052% | 573 |
| Retained earnings to average equity (ytd only) | 0.2427% | 3,937 |
| Net charge-offs to loans | -0.0089% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5707% | 2,877 |
| Assets per employee ($millions) | 4.1328% | 3,744 |
| Cash dividends to net income (ytd only)* | 98.3607% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6519% | 4,686 |
| Loan loss allowance to noncurrent loans | 63.3409% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.4883% | 721 |
| Noncurrent loans to loans | 1.0292% | 1,612 |
| Net loans and leases to total assets | 47.5390% | 4,362 |
| Net loans and leases to deposits | 53.4849% | 4,466 |
| Net loans and leases to core deposits | 58.7859% | 4,406 |
| Total domestic deposits to total assets | 88.8830% | 715 |
| Equity capital to assets | 9.3425% | 4,359 |
| Core capital (leverage) ratio | 8.2899% | 4,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5758% | 2,050 |
| Memoranda: | ||
| Average total assets | $270,335,500 | 2,367 |
| Average earning assets | $238,698,500 | 2,453 |
| Average equity | $24,721,000 | 2,794 |
| Average total loans | $135,207,000 | 2,770 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 3,946 |
| Cost of funding earning assets | 0.4872% | 4,146 |
| Net interest margin | 3.6552% | 2,944 |
| Noninterest income to average assets | 1.0108% | 948 |
| Noninterest expense to average assets | 2.7897% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4441% | 1,208 |
| Return on assets (ROA) | 1.4604% | 1,216 |
| Pretax return on assets | 1.4604% | 1,936 |
| Return on Equity (ROE) | 16.7749% | 445 |
| Retained earnings to average equity (ytd only) | 3.3294% | 3,344 |
| Net charge-offs to loans | -0.0036% | 4,294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3910% | 2,855 |
| Assets per employee ($millions) | 4.1218% | 3,738 |
| Cash dividends to net income (ytd only)* | 80.1527% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5886% | 4,765 |
| Loan loss allowance to noncurrent loans | 68.4426% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 704 |
| Noncurrent loans to loans | 0.8599% | 1,792 |
| Net loans and leases to total assets | 51.8441% | 4,238 |
| Net loans and leases to deposits | 57.8067% | 4,380 |
| Net loans and leases to core deposits | 65.1700% | 4,222 |
| Total domestic deposits to total assets | 89.6852% | 433 |
| Equity capital to assets | 8.9492% | 4,712 |
| Core capital (leverage) ratio | 8.1985% | 4,976 |
| Tier 1 risk-based capital ratio | 13.3976% | 3,580 |
| Total risk-based capital ratio | 13.9005% | 3,862 |
| Memoranda: | ||
| Average total assets | $269,101,000 | 2,337 |
| Average earning assets | $237,275,600 | 2,426 |
| Average equity | $23,427,800 | 2,841 |
| Average total loans | $140,783,200 | 2,710 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1293% | 4,088 |
| Cost of funding earning assets | 0.4939% | 4,165 |
| Net interest margin | 3.6354% | 3,153 |
| Noninterest income to average assets | 0.9753% | 985 |
| Noninterest expense to average assets | 2.7867% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3990% | 1,472 |
| Return on assets (ROA) | 1.4209% | 1,467 |
| Pretax return on assets | 1.4209% | 2,223 |
| Return on Equity (ROE) | 16.4374% | 544 |
| Retained earnings to average equity (ytd only) | 3.3622% | 3,720 |
| Net charge-offs to loans | -0.0076% | 4,311 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0653% | 2,719 |
| Assets per employee ($millions) | 4.1189% | 3,733 |
| Cash dividends to net income (ytd only)* | 79.5455% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5981% | 4,827 |
| Loan loss allowance to noncurrent loans | 38.2998% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 1.4409% | 790 |
| Noncurrent loans to loans | 1.5615% | 952 |
| Net loans and leases to total assets | 51.2351% | 4,357 |
| Net loans and leases to deposits | 57.0318% | 4,514 |
| Net loans and leases to core deposits | 66.4304% | 4,249 |
| Total domestic deposits to total assets | 89.8359% | 328 |
| Equity capital to assets | 8.9145% | 4,821 |
| Core capital (leverage) ratio | 8.1116% | 5,090 |
| Tier 1 risk-based capital ratio | 13.4078% | 3,629 |
| Total risk-based capital ratio | 13.9177% | 3,919 |
| Memoranda: | ||
| Average total assets | $268,367,000 | 2,355 |
| Average earning assets | $236,996,750 | 2,440 |
| Average equity | $23,198,500 | 2,874 |
| Average total loans | $140,511,500 | 2,746 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 4,112 |
| Cost of funding earning assets | 0.4824% | 4,195 |
| Net interest margin | 3.6379% | 3,141 |
| Noninterest income to average assets | 0.9468% | 976 |
| Noninterest expense to average assets | 2.7971% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3615% | 1,540 |
| Return on assets (ROA) | 1.3944% | 1,508 |
| Pretax return on assets | 1.3944% | 2,223 |
| Return on Equity (ROE) | 16.3040% | 547 |
| Retained earnings to average equity (ytd only) | 3.3956% | 3,543 |
| Net charge-offs to loans | -0.0028% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7387% | 2,712 |
| Assets per employee ($millions) | 4.1873% | 3,593 |
| Cash dividends to net income (ytd only)* | 79.1734% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 4,861 |
| Loan loss allowance to noncurrent loans | 35.5100% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.4961% | 754 |
| Noncurrent loans to loans | 1.7106% | 892 |
| Net loans and leases to total assets | 50.0184% | 4,469 |
| Net loans and leases to deposits | 55.3875% | 4,617 |
| Net loans and leases to core deposits | 64.7273% | 4,375 |
| Total domestic deposits to total assets | 90.3062% | 238 |
| Equity capital to assets | 8.7778% | 4,914 |
| Core capital (leverage) ratio | 8.2157% | 5,105 |
| Tier 1 risk-based capital ratio | 13.3354% | 3,671 |
| Total risk-based capital ratio | 13.8437% | 3,967 |
| Memoranda: | ||
| Average total assets | $267,206,330 | 2,369 |
| Average earning assets | $235,905,670 | 2,456 |
| Average equity | $22,853,330 | 2,895 |
| Average total loans | $140,642,000 | 2,754 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 4,223 |
| Cost of funding earning assets | 0.4855% | 4,127 |
| Net interest margin | 3.5791% | 3,332 |
| Noninterest income to average assets | 0.8295% | 1,218 |
| Noninterest expense to average assets | 2.8679% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1363% | 2,323 |
| Return on assets (ROA) | 1.1363% | 2,371 |
| Pretax return on assets | 1.1363% | 3,024 |
| Return on Equity (ROE) | 13.4680% | 1,092 |
| Retained earnings to average equity (ytd only) | -0.8597% | 4,631 |
| Net charge-offs to loans | -0.0168% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0943% | 2,171 |
| Assets per employee ($millions) | 4.0982% | 3,785 |
| Cash dividends to net income (ytd only)* | 106.3830% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6117% | 4,911 |
| Loan loss allowance to noncurrent loans | 41.1215% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 880 |
| Noncurrent loans to loans | 1.4875% | 1,082 |
| Net loans and leases to total assets | 50.9927% | 4,408 |
| Net loans and leases to deposits | 56.4722% | 4,574 |
| Net loans and leases to core deposits | 66.4687% | 4,262 |
| Total domestic deposits to total assets | 90.2971% | 357 |
| Equity capital to assets | 8.4330% | 5,024 |
| Core capital (leverage) ratio | 8.0498% | 5,194 |
| Tier 1 risk-based capital ratio | 12.9252% | 3,915 |
| Total risk-based capital ratio | 13.4308% | 4,243 |
| Memoranda: | ||
| Average total assets | $264,722,500 | 2,403 |
| Average earning assets | $234,808,500 | 2,492 |
| Average equity | $22,334,500 | 2,940 |
| Average total loans | $142,478,500 | 2,771 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0961% | 3,755 |
| Cost of funding earning assets | 0.2704% | 4,704 |
| Net interest margin | 3.8257% | 2,577 |
| Noninterest income to average assets | 0.9789% | 989 |
| Noninterest expense to average assets | 2.9259% | 2,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4282% | 1,340 |
| Return on assets (ROA) | 1.4282% | 1,335 |
| Pretax return on assets | 1.4282% | 2,044 |
| Return on Equity (ROE) | 16.2189% | 586 |
| Retained earnings to average equity (ytd only) | 1.9149% | 4,383 |
| Net charge-offs to loans | 0.0394% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 63.0714% | 993 |
| Efficiency ratio | 66.6698% | 2,754 |
| Assets per employee ($millions) | 3.8686% | 4,075 |
| Cash dividends to net income (ytd only)* | 88.1937% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5597% | 5,042 |
| Loan loss allowance to noncurrent loans | 63.8462% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 1,148 |
| Noncurrent loans to loans | 0.8767% | 1,837 |
| Net loans and leases to total assets | 56.0533% | 4,132 |
| Net loans and leases to deposits | 62.0111% | 4,375 |
| Net loans and leases to core deposits | 73.0037% | 3,922 |
| Total domestic deposits to total assets | 90.3924% | 353 |
| Equity capital to assets | 8.4410% | 4,972 |
| Core capital (leverage) ratio | 8.1036% | 5,205 |
| Tier 1 risk-based capital ratio | 12.2499% | 4,267 |
| Total risk-based capital ratio | 12.7248% | 4,640 |
| Memoranda: | ||
| Average total assets | $247,312,400 | 2,488 |
| Average earning assets | $218,182,000 | 2,576 |
| Average equity | $21,777,000 | 2,910 |
| Average total loans | $142,051,400 | 2,744 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,858 |
| Cost of funding earning assets | 0.2158% | 4,965 |
| Net interest margin | 3.8093% | 2,612 |
| Noninterest income to average assets | 0.9587% | 1,037 |
| Noninterest expense to average assets | 2.9085% | 2,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4063% | 1,464 |
| Return on assets (ROA) | 1.4063% | 1,461 |
| Pretax return on assets | 1.4063% | 2,204 |
| Return on Equity (ROE) | 15.7941% | 727 |
| Retained earnings to average equity (ytd only) | 2.0735% | 4,558 |
| Net charge-offs to loans | 0.0446% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 54.6127% | 1,120 |
| Efficiency ratio | 66.8614% | 2,738 |
| Assets per employee ($millions) | 4.1602% | 3,633 |
| Cash dividends to net income (ytd only)* | 86.8719% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5925% | 5,054 |
| Loan loss allowance to noncurrent loans | 81.2197% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 1,295 |
| Noncurrent loans to loans | 0.7295% | 2,255 |
| Net loans and leases to total assets | 53.7081% | 4,380 |
| Net loans and leases to deposits | 59.1953% | 4,588 |
| Net loans and leases to core deposits | 69.7673% | 4,204 |
| Total domestic deposits to total assets | 90.7303% | 282 |
| Equity capital to assets | 8.1010% | 5,135 |
| Core capital (leverage) ratio | 8.1434% | 5,279 |
| Tier 1 risk-based capital ratio | 12.6576% | 4,115 |
| Total risk-based capital ratio | 13.1558% | 4,430 |
| Memoranda: | ||
| Average total assets | $243,375,000 | 2,526 |
| Average earning assets | $214,419,750 | 2,616 |
| Average equity | $21,670,000 | 2,939 |
| Average total loans | $140,493,000 | 2,776 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8517% | 4,212 |
| Cost of funding earning assets | 0.1133% | 5,368 |
| Net interest margin | 3.7384% | 2,797 |
| Noninterest income to average assets | 0.9547% | 1,041 |
| Noninterest expense to average assets | 2.9443% | 2,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3224% | 1,692 |
| Return on assets (ROA) | 1.3224% | 1,694 |
| Pretax return on assets | 1.3224% | 2,425 |
| Return on Equity (ROE) | 14.3748% | 992 |
| Retained earnings to average equity (ytd only) | 0.8984% | 4,781 |
| Net charge-offs to loans | 0.0400% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 1,042 |
| Efficiency ratio | 68.4325% | 2,572 |
| Assets per employee ($millions) | 3.9823% | 3,927 |
| Cash dividends to net income (ytd only)* | 93.7500% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6150% | 5,076 |
| Loan loss allowance to noncurrent loans | 104.3796% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 1,452 |
| Noncurrent loans to loans | 0.5892% | 2,650 |
| Net loans and leases to total assets | 56.1588% | 4,151 |
| Net loans and leases to deposits | 69.0869% | 3,941 |
| Net loans and leases to core deposits | 71.3622% | 4,057 |
| Total domestic deposits to total assets | 81.2872% | 3,922 |
| Equity capital to assets | 8.7051% | 4,798 |
| Core capital (leverage) ratio | 9.1456% | 4,522 |
| Tier 1 risk-based capital ratio | 12.8440% | 3,989 |
| Total risk-based capital ratio | 13.3673% | 4,303 |
| Memoranda: | ||
| Average total assets | $237,136,330 | 2,589 |
| Average earning assets | $210,091,670 | 2,671 |
| Average equity | $21,816,000 | 2,938 |
| Average total loans | $140,123,000 | 2,791 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,938 |
| Cost of funding earning assets | 0.1101% | 5,431 |
| Net interest margin | 3.7857% | 2,478 |
| Noninterest income to average assets | 0.9180% | 1,100 |
| Noninterest expense to average assets | 2.9364% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2969% | 1,652 |
| Return on assets (ROA) | 1.2969% | 1,656 |
| Pretax return on assets | 1.2969% | 2,377 |
| Return on Equity (ROE) | 13.7049% | 1,083 |
| Retained earnings to average equity (ytd only) | 1.0556% | 4,617 |
| Net charge-offs to loans | 0.0570% | 1,533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 37.6500% | 1,102 |
| Efficiency ratio | 68.7958% | 2,701 |
| Assets per employee ($millions) | 3.7120% | 4,403 |
| Cash dividends to net income (ytd only)* | 92.2975% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6413% | 5,117 |
| Loan loss allowance to noncurrent loans | 144.8161% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.0111% | 1,555 |
| Noncurrent loans to loans | 0.4428% | 3,203 |
| Net loans and leases to total assets | 58.2980% | 3,914 |
| Net loans and leases to deposits | 65.7899% | 4,104 |
| Net loans and leases to core deposits | 67.9184% | 4,222 |
| Total domestic deposits to total assets | 88.6124% | 1,301 |
| Equity capital to assets | 9.4484% | 4,140 |
| Core capital (leverage) ratio | 9.1447% | 4,513 |
| Tier 1 risk-based capital ratio | 13.2308% | 3,828 |
| Total risk-based capital ratio | 13.7762% | 4,126 |
| Memoranda: | ||
| Average total assets | $232,254,500 | 2,645 |
| Average earning assets | $203,399,500 | 2,757 |
| Average equity | $21,977,500 | 2,958 |
| Average total loans | $140,427,500 | 2,809 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 2,992 |
| Cost of funding earning assets | 0.1079% | 5,469 |
| Net interest margin | 4.0104% | 1,718 |
| Noninterest income to average assets | 0.9541% | 1,129 |
| Noninterest expense to average assets | 3.0238% | 2,092 |
| Loan and lease loss provision to assets | 0.0260% | 3,775 |
| Net operating income to assets | 1.4450% | 916 |
| Return on assets (ROA) | 1.4450% | 934 |
| Pretax return on assets | 1.4450% | 1,836 |
| Return on Equity (ROE) | 15.0205% | 608 |
| Retained earnings to average equity (ytd only) | 2.4659% | 3,858 |
| Net charge-offs to loans | 0.0050% | 3,907 |
| Credit loss provision to net charge-offs | 857.1429% | 409 |
| Earnings coverage of net charge-offs (x) | 485.4286% | 178 |
| Efficiency ratio | 66.7245% | 3,130 |
| Assets per employee ($millions) | 3.8420% | 4,220 |
| Cash dividends to net income (ytd only)* | 83.5830% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6076% | 5,229 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9268% | 1,671 |
| Noncurrent loans to loans | 0.3038% | 3,694 |
| Net loans and leases to total assets | 61.8410% | 3,643 |
| Net loans and leases to deposits | 71.0494% | 3,783 |
| Net loans and leases to core deposits | 73.5021% | 3,919 |
| Total domestic deposits to total assets | 87.0394% | 1,976 |
| Equity capital to assets | 9.4767% | 4,247 |
| Core capital (leverage) ratio | 9.1687% | 4,438 |
| Tier 1 risk-based capital ratio | 12.6476% | 4,118 |
| Total risk-based capital ratio | 13.1815% | 4,462 |
| Memoranda: | ||
| Average total assets | $230,999,000 | 2,635 |
| Average earning assets | $203,945,000 | 2,733 |
| Average equity | $22,223,000 | 2,934 |
| Average total loans | $140,925,400 | 2,765 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 3,136 |
| Cost of funding earning assets | 0.1062% | 5,535 |
| Net interest margin | 3.9543% | 1,846 |
| Noninterest income to average assets | 0.9344% | 1,180 |
| Noninterest expense to average assets | 2.9058% | 2,384 |
| Loan and lease loss provision to assets | 0.0348% | 3,421 |
| Net operating income to assets | 1.4871% | 923 |
| Return on assets (ROA) | 1.4871% | 940 |
| Pretax return on assets | 1.4871% | 1,816 |
| Return on Equity (ROE) | 15.3988% | 603 |
| Retained earnings to average equity (ytd only) | 2.5675% | 4,348 |
| Net charge-offs to loans | 0.0048% | 3,565 |
| Credit loss provision to net charge-offs | 1,200.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 525.1244% | 195 |
| Efficiency ratio | 65.0661% | 3,368 |
| Assets per employee ($millions) | 3.6453% | 4,521 |
| Cash dividends to net income (ytd only)* | 83.3269% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 5,249 |
| Loan loss allowance to noncurrent loans | 267.4699% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,992 |
| Noncurrent loans to loans | 0.2403% | 4,094 |
| Net loans and leases to total assets | 59.7765% | 3,891 |
| Net loans and leases to deposits | 67.5551% | 4,144 |
| Net loans and leases to core deposits | 69.7097% | 4,256 |
| Total domestic deposits to total assets | 88.4856% | 1,129 |
| Equity capital to assets | 9.7826% | 4,165 |
| Core capital (leverage) ratio | 9.2144% | 4,503 |
| Tier 1 risk-based capital ratio | 13.2520% | 3,847 |
| Total risk-based capital ratio | 13.8161% | 4,184 |
| Memoranda: | ||
| Average total assets | $230,157,750 | 2,663 |
| Average earning assets | $203,319,000 | 2,759 |
| Average equity | $22,226,250 | 2,951 |
| Average total loans | $139,702,000 | 2,803 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,110 |
| Cost of funding earning assets | 0.1020% | 5,591 |
| Net interest margin | 3.9239% | 1,853 |
| Noninterest income to average assets | 0.9117% | 1,239 |
| Noninterest expense to average assets | 2.8672% | 2,521 |
| Loan and lease loss provision to assets | 0.0521% | 2,944 |
| Net operating income to assets | 1.4657% | 924 |
| Return on assets (ROA) | 1.4657% | 945 |
| Pretax return on assets | 1.4657% | 1,778 |
| Return on Equity (ROE) | 15.2441% | 626 |
| Retained earnings to average equity (ytd only) | 2.1945% | 4,364 |
| Net charge-offs to loans | 0.0100% | 3,110 |
| Credit loss provision to net charge-offs | 857.1429% | 433 |
| Earnings coverage of net charge-offs (x) | 249.7143% | 339 |
| Efficiency ratio | 64.8119% | 3,533 |
| Assets per employee ($millions) | 3.5068% | 4,713 |
| Cash dividends to net income (ytd only)* | 85.6043% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 5,310 |
| Loan loss allowance to noncurrent loans | 109.9256% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 1,596 |
| Noncurrent loans to loans | 0.5865% | 2,972 |
| Net loans and leases to total assets | 60.8353% | 3,758 |
| Net loans and leases to deposits | 68.8340% | 4,004 |
| Net loans and leases to core deposits | 71.1772% | 4,143 |
| Total domestic deposits to total assets | 88.3798% | 1,265 |
| Equity capital to assets | 10.0055% | 3,904 |
| Core capital (leverage) ratio | 9.0814% | 4,633 |
| Tier 1 risk-based capital ratio | 13.1449% | 3,919 |
| Total risk-based capital ratio | 13.7085% | 4,217 |
| Memoranda: | ||
| Average total assets | $230,326,330 | 2,678 |
| Average earning assets | $203,881,000 | 2,768 |
| Average equity | $22,146,330 | 2,959 |
| Average total loans | $140,214,000 | 2,803 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,467 |
| Cost of funding earning assets | 0.0988% | 5,652 |
| Net interest margin | 4.0528% | 1,339 |
| Noninterest income to average assets | 0.8591% | 1,373 |
| Noninterest expense to average assets | 2.8088% | 2,766 |
| Loan and lease loss provision to assets | 0.0772% | 2,267 |
| Net operating income to assets | 1.5587% | 733 |
| Return on assets (ROA) | 1.5587% | 753 |
| Pretax return on assets | 1.5587% | 1,343 |
| Return on Equity (ROE) | 16.5337% | 462 |
| Retained earnings to average equity (ytd only) | 4.3471% | 3,249 |
| Net charge-offs to loans | 0.0085% | 2,681 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 318.0000% | 191 |
| Efficiency ratio | 62.6543% | 4,045 |
| Assets per employee ($millions) | 3.8930% | 4,196 |
| Cash dividends to net income (ytd only)* | 73.7074% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6369% | 5,421 |
| Loan loss allowance to noncurrent loans | 268.4049% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 2,151 |
| Noncurrent loans to loans | 0.2373% | 4,261 |
| Net loans and leases to total assets | 58.4429% | 3,931 |
| Net loans and leases to deposits | 66.1905% | 4,158 |
| Net loans and leases to core deposits | 68.4645% | 4,262 |
| Total domestic deposits to total assets | 88.2949% | 1,535 |
| Equity capital to assets | 9.4661% | 4,315 |
| Core capital (leverage) ratio | 8.8127% | 4,943 |
| Tier 1 risk-based capital ratio | 13.0921% | 4,029 |
| Total risk-based capital ratio | 13.6469% | 4,357 |
| Memoranda: | ||
| Average total assets | $233,271,000 | 2,678 |
| Average earning assets | $206,375,000 | 2,760 |
| Average equity | $21,991,500 | 2,983 |
| Average total loans | $141,609,500 | 2,794 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,239 |
| Cost of funding earning assets | 0.1110% | 5,653 |
| Net interest margin | 3.5796% | 3,140 |
| Noninterest income to average assets | 1.0069% | 1,125 |
| Noninterest expense to average assets | 2.9468% | 2,510 |
| Loan and lease loss provision to assets | 0.0776% | 2,809 |
| Net operating income to assets | 1.1393% | 1,734 |
| Return on assets (ROA) | 1.1958% | 1,614 |
| Pretax return on assets | 1.1958% | 2,691 |
| Return on Equity (ROE) | 12.4158% | 1,139 |
| Retained earnings to average equity (ytd only) | 1.5542% | 4,637 |
| Net charge-offs to loans | 0.0028% | 4,168 |
| Credit loss provision to net charge-offs | 4,500.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 705.2500% | 112 |
| Efficiency ratio | 70.1823% | 2,871 |
| Assets per employee ($millions) | 3.8190% | 4,269 |
| Cash dividends to net income (ytd only)* | 87.4820% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 5,576 |
| Loan loss allowance to noncurrent loans | 159.2734% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 2,003 |
| Noncurrent loans to loans | 0.3586% | 3,843 |
| Net loans and leases to total assets | 62.2420% | 3,579 |
| Net loans and leases to deposits | 70.8027% | 3,828 |
| Net loans and leases to core deposits | 73.3526% | 3,975 |
| Total domestic deposits to total assets | 87.9091% | 1,673 |
| Equity capital to assets | 9.3887% | 4,381 |
| Core capital (leverage) ratio | 8.8435% | 4,919 |
| Tier 1 risk-based capital ratio | 12.5850% | 4,338 |
| Total risk-based capital ratio | 13.0972% | 4,726 |
| Memoranda: | ||
| Average total assets | $231,810,400 | 2,648 |
| Average earning assets | $204,433,400 | 2,744 |
| Average equity | $22,326,400 | 2,960 |
| Average total loans | $142,711,400 | 2,742 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6812% | 4,317 |
| Cost of funding earning assets | 0.1149% | 5,698 |
| Net interest margin | 3.5663% | 3,208 |
| Noninterest income to average assets | 1.0383% | 1,052 |
| Noninterest expense to average assets | 2.9180% | 2,586 |
| Loan and lease loss provision to assets | 0.0777% | 2,670 |
| Net operating income to assets | 1.1886% | 1,675 |
| Return on assets (ROA) | 1.2641% | 1,497 |
| Pretax return on assets | 1.2641% | 2,560 |
| Return on Equity (ROE) | 13.0418% | 1,043 |
| Retained earnings to average equity (ytd only) | 2.9411% | 4,143 |
| Net charge-offs to loans | -0.0085% | 4,725 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1440% | 3,021 |
| Assets per employee ($millions) | 3.7786% | 4,344 |
| Cash dividends to net income (ytd only)* | 77.4488% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5657% | 5,650 |
| Loan loss allowance to noncurrent loans | 131.5271% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9839% | 2,107 |
| Noncurrent loans to loans | 0.4301% | 3,742 |
| Net loans and leases to total assets | 60.0961% | 3,861 |
| Net loans and leases to deposits | 68.5251% | 4,104 |
| Net loans and leases to core deposits | 71.2293% | 4,231 |
| Total domestic deposits to total assets | 87.6994% | 1,555 |
| Equity capital to assets | 9.7374% | 4,431 |
| Core capital (leverage) ratio | 8.8825% | 4,965 |
| Tier 1 risk-based capital ratio | 12.9730% | 4,181 |
| Total risk-based capital ratio | 13.4773% | 4,555 |
| Memoranda: | ||
| Average total assets | $231,523,000 | 2,654 |
| Average earning assets | $204,242,000 | 2,759 |
| Average equity | $22,440,000 | 2,972 |
| Average total loans | $141,931,250 | 2,757 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 4,540 |
| Cost of funding earning assets | 0.1199% | 5,756 |
| Net interest margin | 3.4973% | 3,501 |
| Noninterest income to average assets | 0.9419% | 1,262 |
| Noninterest expense to average assets | 2.8898% | 2,712 |
| Loan and lease loss provision to assets | 0.0781% | 2,582 |
| Net operating income to assets | 1.0858% | 2,008 |
| Return on assets (ROA) | 1.1275% | 1,972 |
| Pretax return on assets | 1.1275% | 3,096 |
| Return on Equity (ROE) | 11.6508% | 1,428 |
| Retained earnings to average equity (ytd only) | 1.7924% | 4,659 |
| Net charge-offs to loans | -0.0056% | 4,558 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6675% | 2,880 |
| Assets per employee ($millions) | 3.6520% | 4,515 |
| Cash dividends to net income (ytd only)* | 84.6154% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5177% | 5,781 |
| Loan loss allowance to noncurrent loans | 109.6350% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1210% | 1,882 |
| Noncurrent loans to loans | 0.4722% | 3,670 |
| Net loans and leases to total assets | 61.7409% | 3,652 |
| Net loans and leases to deposits | 70.0985% | 3,972 |
| Net loans and leases to core deposits | 73.0938% | 4,072 |
| Total domestic deposits to total assets | 88.0774% | 1,391 |
| Equity capital to assets | 9.7747% | 4,482 |
| Core capital (leverage) ratio | 8.8364% | 5,014 |
| Tier 1 risk-based capital ratio | 12.5477% | 4,482 |
| Total risk-based capital ratio | 13.0118% | 4,876 |
| Memoranda: | ||
| Average total assets | $230,606,330 | 2,675 |
| Average earning assets | $205,187,670 | 2,761 |
| Average equity | $22,316,000 | 2,992 |
| Average total loans | $142,045,000 | 2,751 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5819% | 4,671 |
| Cost of funding earning assets | 0.1330% | 5,735 |
| Net interest margin | 3.4490% | 3,669 |
| Noninterest income to average assets | 0.9850% | 1,115 |
| Noninterest expense to average assets | 3.0649% | 2,192 |
| Loan and lease loss provision to assets | 0.0786% | 2,390 |
| Net operating income to assets | 0.9221% | 2,637 |
| Return on assets (ROA) | 0.9221% | 2,748 |
| Pretax return on assets | 0.9221% | 3,755 |
| Return on Equity (ROE) | 9.5778% | 2,168 |
| Retained earnings to average equity (ytd only) | -0.8526% | 5,261 |
| Net charge-offs to loans | -0.0199% | 4,854 |
| Credit loss provision to net charge-offs | -642.8571% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7852% | 2,355 |
| Assets per employee ($millions) | 3.7676% | 4,364 |
| Cash dividends to net income (ytd only)* | 108.9015% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 5,865 |
| Loan loss allowance to noncurrent loans | 101.2857% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1465% | 1,920 |
| Noncurrent loans to loans | 0.4972% | 3,683 |
| Net loans and leases to total assets | 60.9559% | 3,654 |
| Net loans and leases to deposits | 70.7532% | 3,780 |
| Net loans and leases to core deposits | 74.4847% | 3,840 |
| Total domestic deposits to total assets | 86.1528% | 2,609 |
| Equity capital to assets | 9.6927% | 4,457 |
| Core capital (leverage) ratio | 8.8472% | 5,032 |
| Tier 1 risk-based capital ratio | 12.8645% | 4,349 |
| Total risk-based capital ratio | 13.3195% | 4,784 |
| Memoranda: | ||
| Average total assets | $229,047,000 | 2,698 |
| Average earning assets | $204,582,500 | 2,772 |
| Average equity | $22,051,000 | 3,020 |
| Average total loans | $140,540,000 | 2,774 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7753% | 4,114 |
| Cost of funding earning assets | 0.1546% | 5,654 |
| Net interest margin | 3.6207% | 3,055 |
| Noninterest income to average assets | 0.9184% | 1,385 |
| Noninterest expense to average assets | 2.8928% | 2,881 |
| Loan and lease loss provision to assets | 0.0834% | 2,624 |
| Net operating income to assets | 1.1524% | 1,721 |
| Return on assets (ROA) | 1.1725% | 1,733 |
| Pretax return on assets | 1.1725% | 2,762 |
| Return on Equity (ROE) | 12.4090% | 1,205 |
| Retained earnings to average equity (ytd only) | 1.6678% | 4,774 |
| Net charge-offs to loans | 0.0427% | 3,366 |
| Credit loss provision to net charge-offs | 329.3103% | 913 |
| Earnings coverage of net charge-offs (x) | 48.8103% | 1,023 |
| Efficiency ratio | 69.4650% | 3,307 |
| Assets per employee ($millions) | 3.7422% | 4,390 |
| Cash dividends to net income (ytd only)* | 86.5599% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 5,943 |
| Loan loss allowance to noncurrent loans | 93.0595% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.1754% | 1,854 |
| Noncurrent loans to loans | 0.5033% | 3,676 |
| Net loans and leases to total assets | 61.1656% | 3,667 |
| Net loans and leases to deposits | 70.9753% | 3,814 |
| Net loans and leases to core deposits | 74.2302% | 3,916 |
| Total domestic deposits to total assets | 86.1788% | 2,553 |
| Equity capital to assets | 9.5614% | 4,482 |
| Core capital (leverage) ratio | 8.8742% | 5,031 |
| Tier 1 risk-based capital ratio | 13.0756% | 4,260 |
| Total risk-based capital ratio | 13.5017% | 4,693 |
| Memoranda: | ||
| Average total assets | $229,084,000 | 2,675 |
| Average earning assets | $203,111,000 | 2,749 |
| Average equity | $21,645,600 | 3,012 |
| Average total loans | $135,767,000 | 2,788 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6617% | 4,548 |
| Cost of funding earning assets | 0.1620% | 5,690 |
| Net interest margin | 3.4997% | 3,536 |
| Noninterest income to average assets | 0.8949% | 1,467 |
| Noninterest expense to average assets | 2.8546% | 2,992 |
| Loan and lease loss provision to assets | 0.0849% | 2,465 |
| Net operating income to assets | 1.0450% | 2,244 |
| Return on assets (ROA) | 1.0717% | 2,219 |
| Pretax return on assets | 1.0717% | 3,325 |
| Return on Equity (ROE) | 11.3760% | 1,581 |
| Retained earnings to average equity (ytd only) | -0.6604% | 5,713 |
| Net charge-offs to loans | 0.0456% | 2,992 |
| Credit loss provision to net charge-offs | 317.3913% | 917 |
| Earnings coverage of net charge-offs (x) | 42.2403% | 1,186 |
| Efficiency ratio | 71.0158% | 3,043 |
| Assets per employee ($millions) | 3.7194% | 4,407 |
| Cash dividends to net income (ytd only)* | 105.8060% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4691% | 6,042 |
| Loan loss allowance to noncurrent loans | 89.9135% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0675% | 2,230 |
| Noncurrent loans to loans | 0.5217% | 3,786 |
| Net loans and leases to total assets | 58.3522% | 4,097 |
| Net loans and leases to deposits | 66.5211% | 4,333 |
| Net loans and leases to core deposits | 69.9630% | 4,373 |
| Total domestic deposits to total assets | 87.7198% | 1,693 |
| Equity capital to assets | 9.5850% | 4,653 |
| Core capital (leverage) ratio | 8.6447% | 5,415 |
| Tier 1 risk-based capital ratio | 13.6682% | 4,043 |
| Total risk-based capital ratio | 14.1014% | 4,435 |
| Memoranda: | ||
| Average total assets | $229,287,000 | 2,689 |
| Average earning assets | $202,414,000 | 2,775 |
| Average equity | $21,600,500 | 3,031 |
| Average total loans | $134,638,500 | 2,825 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 4,639 |
| Cost of funding earning assets | 0.1732% | 5,662 |
| Net interest margin | 3.4570% | 3,674 |
| Noninterest income to average assets | 0.8823% | 1,500 |
| Noninterest expense to average assets | 2.8163% | 3,174 |
| Loan and lease loss provision to assets | 0.0878% | 2,352 |
| Net operating income to assets | 1.0309% | 2,226 |
| Return on assets (ROA) | 1.0709% | 2,153 |
| Pretax return on assets | 1.0709% | 3,294 |
| Return on Equity (ROE) | 11.4330% | 1,546 |
| Retained earnings to average equity (ytd only) | -2.0230% | 5,832 |
| Net charge-offs to loans | 0.0725% | 2,352 |
| Credit loss provision to net charge-offs | 206.1224% | 1,202 |
| Earnings coverage of net charge-offs (x) | 26.2653% | 1,492 |
| Efficiency ratio | 70.9300% | 3,171 |
| Assets per employee ($millions) | 3.9510% | 3,980 |
| Cash dividends to net income (ytd only)* | 117.6948% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4310% | 6,147 |
| Loan loss allowance to noncurrent loans | 57.4850% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 2,134 |
| Noncurrent loans to loans | 0.7498% | 3,235 |
| Net loans and leases to total assets | 58.0630% | 4,094 |
| Net loans and leases to deposits | 67.4053% | 4,192 |
| Net loans and leases to core deposits | 71.1727% | 4,208 |
| Total domestic deposits to total assets | 86.1401% | 2,613 |
| Equity capital to assets | 9.3276% | 4,863 |
| Core capital (leverage) ratio | 8.6293% | 5,403 |
| Tier 1 risk-based capital ratio | 13.2900% | 4,352 |
| Total risk-based capital ratio | 13.6811% | 4,773 |
| Memoranda: | ||
| Average total assets | $230,087,330 | 2,700 |
| Average earning assets | $203,180,330 | 2,784 |
| Average equity | $21,551,670 | 3,046 |
| Average total loans | $135,179,000 | 2,823 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7120% | 4,321 |
| Cost of funding earning assets | 0.2071% | 5,443 |
| Net interest margin | 3.5049% | 3,422 |
| Noninterest income to average assets | 0.8484% | 1,562 |
| Noninterest expense to average assets | 2.7586% | 3,393 |
| Loan and lease loss provision to assets | 0.0781% | 2,395 |
| Net operating income to assets | 1.1243% | 1,778 |
| Return on assets (ROA) | 1.2041% | 1,630 |
| Pretax return on assets | 1.2041% | 2,649 |
| Return on Equity (ROE) | 12.8281% | 1,133 |
| Retained earnings to average equity (ytd only) | -2.8835% | 5,781 |
| Net charge-offs to loans | -0.0059% | 4,542 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0320% | 3,652 |
| Assets per employee ($millions) | 4.1588% | 3,637 |
| Cash dividends to net income (ytd only)* | 122.4784% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4298% | 6,221 |
| Loan loss allowance to noncurrent loans | 55.8162% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.3754% | 1,923 |
| Noncurrent loans to loans | 0.7701% | 3,327 |
| Net loans and leases to total assets | 57.8289% | 3,969 |
| Net loans and leases to deposits | 66.0384% | 4,147 |
| Net loans and leases to core deposits | 71.1829% | 4,042 |
| Total domestic deposits to total assets | 87.5686% | 2,063 |
| Equity capital to assets | 9.5027% | 4,750 |
| Core capital (leverage) ratio | 8.4130% | 5,615 |
| Tier 1 risk-based capital ratio | 14.0740% | 3,960 |
| Total risk-based capital ratio | 14.4834% | 4,393 |
| Memoranda: | ||
| Average total assets | $230,552,000 | 2,716 |
| Average earning assets | $204,741,000 | 2,783 |
| Average equity | $21,640,000 | 3,055 |
| Average total loans | $135,952,500 | 2,806 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 2,994 |
| Cost of funding earning assets | 0.2430% | 5,395 |
| Net interest margin | 3.9431% | 2,076 |
| Noninterest income to average assets | 0.8171% | 1,805 |
| Noninterest expense to average assets | 2.8088% | 3,449 |
| Loan and lease loss provision to assets | 0.0887% | 2,697 |
| Net operating income to assets | 1.3803% | 1,119 |
| Return on assets (ROA) | 1.3854% | 1,142 |
| Pretax return on assets | 1.3854% | 1,931 |
| Return on Equity (ROE) | 15.5570% | 690 |
| Retained earnings to average equity (ytd only) | 2.5178% | 4,448 |
| Net charge-offs to loans | 0.0686% | 3,496 |
| Credit loss provision to net charge-offs | 228.2609% | 1,102 |
| Earnings coverage of net charge-offs (x) | 37.8152% | 1,132 |
| Efficiency ratio | 65.0972% | 4,391 |
| Assets per employee ($millions) | 4.0766% | 3,768 |
| Cash dividends to net income (ytd only)* | 83.8159% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3768% | 6,335 |
| Loan loss allowance to noncurrent loans | 45.2114% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4124% | 1,961 |
| Noncurrent loans to loans | 0.8335% | 3,228 |
| Net loans and leases to total assets | 59.6185% | 3,838 |
| Net loans and leases to deposits | 69.2838% | 3,996 |
| Net loans and leases to core deposits | 73.9690% | 3,921 |
| Total domestic deposits to total assets | 86.0498% | 2,811 |
| Equity capital to assets | 9.2715% | 4,976 |
| Core capital (leverage) ratio | 8.5413% | 5,513 |
| Tier 1 risk-based capital ratio | 12.7882% | 4,865 |
| Total risk-based capital ratio | 13.1317% | 5,345 |
| Memoranda: | ||
| Average total assets | $236,824,600 | 2,642 |
| Average earning assets | $207,854,800 | 2,727 |
| Average equity | $21,090,200 | 3,044 |
| Average total loans | $134,147,000 | 2,790 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,609 |
| Cost of funding earning assets | 0.2542% | 5,363 |
| Net interest margin | 4.0511% | 1,717 |
| Noninterest income to average assets | 0.7598% | 2,050 |
| Noninterest expense to average assets | 2.7979% | 3,468 |
| Loan and lease loss provision to assets | 0.1014% | 2,342 |
| Net operating income to assets | 1.3970% | 1,137 |
| Return on assets (ROA) | 1.4037% | 1,167 |
| Pretax return on assets | 1.4037% | 1,991 |
| Return on Equity (ROE) | 15.9220% | 683 |
| Retained earnings to average equity (ytd only) | 3.5276% | 4,132 |
| Net charge-offs to loans | 0.0401% | 3,700 |
| Credit loss provision to net charge-offs | 452.5000% | 629 |
| Earnings coverage of net charge-offs (x) | 66.8524% | 804 |
| Efficiency ratio | 64.5624% | 4,452 |
| Assets per employee ($millions) | 3.8552% | 4,178 |
| Cash dividends to net income (ytd only)* | 77.8444% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4188% | 6,396 |
| Loan loss allowance to noncurrent loans | 42.1742% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 1.4984% | 2,054 |
| Noncurrent loans to loans | 0.9929% | 3,089 |
| Net loans and leases to total assets | 56.2339% | 4,302 |
| Net loans and leases to deposits | 64.5849% | 4,472 |
| Net loans and leases to core deposits | 69.4450% | 4,376 |
| Total domestic deposits to total assets | 87.0697% | 2,280 |
| Equity capital to assets | 9.2608% | 5,067 |
| Core capital (leverage) ratio | 8.4716% | 5,682 |
| Tier 1 risk-based capital ratio | 13.3595% | 4,635 |
| Total risk-based capital ratio | 13.7339% | 5,113 |
| Memoranda: | ||
| Average total assets | $237,938,500 | 2,647 |
| Average earning assets | $207,706,750 | 2,746 |
| Average equity | $20,976,750 | 3,068 |
| Average total loans | $132,919,000 | 2,819 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,284 |
| Cost of funding earning assets | 0.2686% | 5,298 |
| Net interest margin | 4.4292% | 809 |
| Noninterest income to average assets | 0.7071% | 2,249 |
| Noninterest expense to average assets | 2.8066% | 3,481 |
| Loan and lease loss provision to assets | 0.1066% | 2,237 |
| Net operating income to assets | 1.6398% | 652 |
| Return on assets (ROA) | 1.6498% | 670 |
| Pretax return on assets | 1.6498% | 1,139 |
| Return on Equity (ROE) | 19.0219% | 361 |
| Retained earnings to average equity (ytd only) | 5.0987% | 2,897 |
| Net charge-offs to loans | -0.0030% | 5,093 |
| Credit loss provision to net charge-offs | -6,400.0000% | 5,931 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1121% | 5,131 |
| Assets per employee ($millions) | 3.9467% | 3,957 |
| Cash dividends to net income (ytd only)* | 73.1954% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4169% | 6,478 |
| Loan loss allowance to noncurrent loans | 42.8115% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 1.5593% | 2,092 |
| Noncurrent loans to loans | 0.9738% | 3,288 |
| Net loans and leases to total assets | 54.9857% | 4,412 |
| Net loans and leases to deposits | 62.7091% | 4,621 |
| Net loans and leases to core deposits | 67.7782% | 4,491 |
| Total domestic deposits to total assets | 87.6838% | 2,091 |
| Equity capital to assets | 9.2036% | 5,100 |
| Core capital (leverage) ratio | 8.4604% | 5,672 |
| Tier 1 risk-based capital ratio | 13.4841% | 4,592 |
| Total risk-based capital ratio | 13.8552% | 5,086 |
| Memoranda: | ||
| Average total assets | $240,148,330 | 2,636 |
| Average earning assets | $208,525,670 | 2,753 |
| Average equity | $20,828,670 | 3,079 |
| Average total loans | $133,685,000 | 2,813 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 1,471 |
| Cost of funding earning assets | 0.3112% | 4,954 |
| Net interest margin | 4.3018% | 992 |
| Noninterest income to average assets | 0.6973% | 2,184 |
| Noninterest expense to average assets | 2.8647% | 3,326 |
| Loan and lease loss provision to assets | 0.0919% | 2,385 |
| Net operating income to assets | 1.4602% | 879 |
| Return on assets (ROA) | 1.4602% | 908 |
| Pretax return on assets | 1.4602% | 1,547 |
| Return on Equity (ROE) | 17.3426% | 498 |
| Retained earnings to average equity (ytd only) | 3.7024% | 3,911 |
| Net charge-offs to loans | -0.0088% | 5,006 |
| Credit loss provision to net charge-offs | -1,866.6667% | 5,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8588% | 4,718 |
| Assets per employee ($millions) | 4.1827% | 3,564 |
| Cash dividends to net income (ytd only)* | 78.6517% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3520% | 6,591 |
| Loan loss allowance to noncurrent loans | 47.8888% | 5,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3858% | 2,559 |
| Noncurrent loans to loans | 0.7350% | 4,027 |
| Net loans and leases to total assets | 55.2172% | 4,251 |
| Net loans and leases to deposits | 62.6276% | 4,476 |
| Net loans and leases to core deposits | 69.1951% | 4,184 |
| Total domestic deposits to total assets | 88.1676% | 2,129 |
| Equity capital to assets | 8.7172% | 5,433 |
| Core capital (leverage) ratio | 7.8025% | 6,217 |
| Tier 1 risk-based capital ratio | 12.8341% | 5,101 |
| Total risk-based capital ratio | 13.1462% | 5,633 |
| Memoranda: | ||
| Average total assets | $243,795,000 | 2,610 |
| Average earning assets | $210,794,000 | 2,742 |
| Average equity | $20,527,500 | 3,115 |
| Average total loans | $136,241,000 | 2,793 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5650% | 5,494 |
| Cost of funding earning assets | 0.3986% | 4,671 |
| Net interest margin | 3.1664% | 5,104 |
| Noninterest income to average assets | 0.8258% | 1,958 |
| Noninterest expense to average assets | 2.5210% | 4,701 |
| Loan and lease loss provision to assets | 0.1914% | 1,931 |
| Net operating income to assets | 0.8933% | 2,816 |
| Return on assets (ROA) | 0.8933% | 2,906 |
| Pretax return on assets | 0.8933% | 3,794 |
| Return on Equity (ROE) | 11.3702% | 1,648 |
| Retained earnings to average equity (ytd only) | 2.6675% | 4,347 |
| Net charge-offs to loans | 0.0503% | 4,516 |
| Credit loss provision to net charge-offs | 705.9701% | 342 |
| Earnings coverage of net charge-offs (x) | 40.0149% | 952 |
| Efficiency ratio | 69.9170% | 3,848 |
| Assets per employee ($millions) | 4.2962% | 3,279 |
| Cash dividends to net income (ytd only)* | 76.5399% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2892% | 6,690 |
| Loan loss allowance to noncurrent loans | 34.8199% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3332% | 2,754 |
| Noncurrent loans to loans | 0.8306% | 3,906 |
| Net loans and leases to total assets | 56.1713% | 4,292 |
| Net loans and leases to deposits | 63.8129% | 4,523 |
| Net loans and leases to core deposits | 72.2718% | 4,034 |
| Total domestic deposits to total assets | 88.0250% | 2,163 |
| Equity capital to assets | 8.1356% | 5,914 |
| Core capital (leverage) ratio | 7.7304% | 6,289 |
| Tier 1 risk-based capital ratio | 11.7834% | 5,755 |
| Total risk-based capital ratio | 12.0363% | 6,216 |
| Memoranda: | ||
| Average total assets | $247,165,400 | 2,557 |
| Average earning assets | $216,996,600 | 2,655 |
| Average equity | $19,419,200 | 3,225 |
| Average total loans | $133,162,000 | 2,804 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5925% | 5,461 |
| Cost of funding earning assets | 0.4012% | 4,811 |
| Net interest margin | 3.1913% | 5,029 |
| Noninterest income to average assets | 0.8130% | 2,083 |
| Noninterest expense to average assets | 2.4875% | 4,762 |
| Loan and lease loss provision to assets | 0.1951% | 1,866 |
| Net operating income to assets | 0.9465% | 2,613 |
| Return on assets (ROA) | 0.9465% | 2,720 |
| Pretax return on assets | 0.9465% | 3,703 |
| Return on Equity (ROE) | 12.1556% | 1,431 |
| Retained earnings to average equity (ytd only) | 3.8945% | 3,916 |
| Net charge-offs to loans | 0.0518% | 4,165 |
| Credit loss provision to net charge-offs | 707.8431% | 410 |
| Earnings coverage of net charge-offs (x) | 41.4107% | 980 |
| Efficiency ratio | 68.5433% | 3,988 |
| Assets per employee ($millions) | 4.1401% | 3,559 |
| Cash dividends to net income (ytd only)* | 67.9612% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2342% | 6,780 |
| Loan loss allowance to noncurrent loans | 9.6573% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 1.5242% | 2,643 |
| Noncurrent loans to loans | 2.4248% | 1,804 |
| Net loans and leases to total assets | 54.0690% | 4,601 |
| Net loans and leases to deposits | 61.1448% | 4,855 |
| Net loans and leases to core deposits | 70.3981% | 4,280 |
| Total domestic deposits to total assets | 88.4277% | 1,877 |
| Equity capital to assets | 7.9152% | 6,200 |
| Core capital (leverage) ratio | 7.7145% | 6,371 |
| Tier 1 risk-based capital ratio | 12.9810% | 5,138 |
| Total risk-based capital ratio | 13.1934% | 5,746 |
| Memoranda: | ||
| Average total assets | $246,662,500 | 2,576 |
| Average earning assets | $217,673,000 | 2,660 |
| Average equity | $19,206,000 | 3,288 |
| Average total loans | $131,359,500 | 2,849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 5,235 |
| Cost of funding earning assets | 0.4031% | 4,916 |
| Net interest margin | 3.2683% | 4,696 |
| Noninterest income to average assets | 0.8567% | 1,978 |
| Noninterest expense to average assets | 2.5095% | 4,689 |
| Loan and lease loss provision to assets | 0.1980% | 1,916 |
| Net operating income to assets | 1.0256% | 2,216 |
| Return on assets (ROA) | 1.0256% | 2,337 |
| Pretax return on assets | 1.0256% | 3,393 |
| Return on Equity (ROE) | 13.2440% | 1,182 |
| Retained earnings to average equity (ytd only) | 5.2079% | 2,923 |
| Net charge-offs to loans | 0.0076% | 4,739 |
| Credit loss provision to net charge-offs | 4,900.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 302.8000% | 168 |
| Efficiency ratio | 67.2223% | 4,322 |
| Assets per employee ($millions) | 4.0582% | 3,670 |
| Cash dividends to net income (ytd only)* | 60.6777% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1854% | 6,843 |
| Loan loss allowance to noncurrent loans | 6.9950% | 6,440 |
| Noncurrent assets plus other real estate owned to assets | 1.5734% | 2,751 |
| Noncurrent loans to loans | 2.6509% | 1,727 |
| Net loans and leases to total assets | 53.0566% | 4,726 |
| Net loans and leases to deposits | 59.4646% | 5,024 |
| Net loans and leases to core deposits | 68.2729% | 4,465 |
| Total domestic deposits to total assets | 89.2238% | 1,494 |
| Equity capital to assets | 7.8960% | 6,271 |
| Core capital (leverage) ratio | 7.7286% | 6,354 |
| Tier 1 risk-based capital ratio | 13.0353% | 5,116 |
| Total risk-based capital ratio | 13.2011% | 5,769 |
| Memoranda: | ||
| Average total assets | $247,462,000 | 2,576 |
| Average earning assets | $217,792,330 | 2,665 |
| Average equity | $19,163,330 | 3,305 |
| Average total loans | $131,019,000 | 2,860 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9265% | 4,377 |
| Cost of funding earning assets | 0.4023% | 5,081 |
| Net interest margin | 3.5242% | 3,599 |
| Noninterest income to average assets | 0.8499% | 1,926 |
| Noninterest expense to average assets | 2.4230% | 5,045 |
| Loan and lease loss provision to assets | 0.1491% | 2,388 |
| Net operating income to assets | 1.3823% | 1,064 |
| Return on assets (ROA) | 1.3823% | 1,151 |
| Pretax return on assets | 1.3823% | 1,917 |
| Return on Equity (ROE) | 18.0222% | 434 |
| Retained earnings to average equity (ytd only) | 9.6592% | 1,195 |
| Net charge-offs to loans | 0.0121% | 3,898 |
| Credit loss provision to net charge-offs | 2,325.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 238.7500% | 167 |
| Efficiency ratio | 61.2733% | 5,410 |
| Assets per employee ($millions) | 4.3177% | 3,302 |
| Cash dividends to net income (ytd only)* | 46.4037% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0715% | 6,947 |
| Loan loss allowance to noncurrent loans | 2.7184% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 3,349 |
| Noncurrent loans to loans | 2.6288% | 1,957 |
| Net loans and leases to total assets | 49.6959% | 5,032 |
| Net loans and leases to deposits | 55.4440% | 5,304 |
| Net loans and leases to core deposits | 63.1536% | 4,831 |
| Total domestic deposits to total assets | 89.6326% | 1,271 |
| Equity capital to assets | 7.7319% | 6,510 |
| Core capital (leverage) ratio | 7.3926% | 6,508 |
| Tier 1 risk-based capital ratio | 13.5437% | 4,839 |
| Total risk-based capital ratio | 13.6078% | 5,632 |
| Memoranda: | ||
| Average total assets | $249,447,500 | 2,586 |
| Average earning assets | $219,737,000 | 2,666 |
| Average equity | $19,132,000 | 3,357 |
| Average total loans | $131,814,500 | 2,869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9218% | 5,516 |
| Cost of funding earning assets | 0.4872% | 5,304 |
| Net interest margin | 3.4346% | 4,763 |
| Noninterest income to average assets | 1.0015% | 1,528 |
| Noninterest expense to average assets | 2.7802% | 4,104 |
| Loan and lease loss provision to assets | 0.1450% | 3,796 |
| Net operating income to assets | 1.1328% | 1,828 |
| Return on assets (ROA) | 1.7932% | 579 |
| Pretax return on assets | 1.7932% | 930 |
| Return on Equity (ROE) | 19.9732% | 306 |
| Retained earnings to average equity (ytd only) | -12.1805% | 6,704 |
| Net charge-offs to loans | 0.0424% | 5,325 |
| Credit loss provision to net charge-offs | 607.1429% | 402 |
| Earnings coverage of net charge-offs (x) | 53.5179% | 650 |
| Efficiency ratio | 68.5123% | 4,054 |
| Assets per employee ($millions) | 4.3591% | 3,234 |
| Cash dividends to net income (ytd only)* | 160.9843% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 1.4489% | 3,206 |
| Noncurrent loans to loans | 2.5883% | 2,046 |
| Net loans and leases to total assets | 55.9783% | 4,293 |
| Net loans and leases to deposits | 62.3521% | 4,745 |
| Net loans and leases to core deposits | 70.0355% | 4,307 |
| Total domestic deposits to total assets | 89.7777% | 1,082 |
| Equity capital to assets | 7.6071% | 6,590 |
| Core capital (leverage) ratio | 7.7655% | 6,364 |
| Tier 1 risk-based capital ratio | 12.1749% | 5,671 |
| Total risk-based capital ratio | 12.1749% | 6,343 |
| Memoranda: | ||
| Average total assets | $234,555,400 | 2,683 |
| Average earning assets | $208,728,200 | 2,754 |
| Average equity | $21,058,200 | 3,089 |
| Average total loans | $132,159,400 | 2,844 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0752% | 5,280 |
| Cost of funding earning assets | 0.5054% | 5,403 |
| Net interest margin | 3.5699% | 4,357 |
| Noninterest income to average assets | 0.9745% | 1,582 |
| Noninterest expense to average assets | 2.7932% | 4,004 |
| Loan and lease loss provision to assets | 0.1616% | 3,491 |
| Net operating income to assets | 1.1990% | 1,742 |
| Return on assets (ROA) | 1.2273% | 1,817 |
| Pretax return on assets | 1.2273% | 2,881 |
| Return on Equity (ROE) | 13.1308% | 1,308 |
| Retained earnings to average equity (ytd only) | -0.2717% | 6,136 |
| Net charge-offs to loans | 0.0613% | 4,807 |
| Credit loss provision to net charge-offs | 466.6667% | 572 |
| Earnings coverage of net charge-offs (x) | 39.2990% | 894 |
| Efficiency ratio | 67.2455% | 4,220 |
| Assets per employee ($millions) | 3.9985% | 3,873 |
| Cash dividends to net income (ytd only)* | 102.0685% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7222% | 3,069 |
| Loan loss allowance to noncurrent loans | 60.8962% | 4,605 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 3,293 |
| Noncurrent loans to loans | 2.8281% | 1,991 |
| Net loans and leases to total assets | 52.9261% | 4,927 |
| Net loans and leases to deposits | 60.3684% | 5,162 |
| Net loans and leases to core deposits | 68.9396% | 4,618 |
| Total domestic deposits to total assets | 87.6718% | 2,246 |
| Equity capital to assets | 9.1283% | 5,674 |
| Core capital (leverage) ratio | 8.5786% | 5,654 |
| Tier 1 risk-based capital ratio | 14.7732% | 3,997 |
| Total risk-based capital ratio | 16.0281% | 3,951 |
| Memoranda: | ||
| Average total assets | $231,077,750 | 2,741 |
| Average earning assets | $205,791,750 | 2,811 |
| Average equity | $21,597,500 | 3,045 |
| Average total loans | $130,427,500 | 2,910 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 5,014 |
| Cost of funding earning assets | 0.5229% | 5,468 |
| Net interest margin | 3.6605% | 3,989 |
| Noninterest income to average assets | 0.9465% | 1,626 |
| Noninterest expense to average assets | 2.7778% | 4,103 |
| Loan and lease loss provision to assets | 0.1307% | 3,891 |
| Net operating income to assets | 1.3022% | 1,440 |
| Return on assets (ROA) | 1.3449% | 1,477 |
| Pretax return on assets | 1.3449% | 2,404 |
| Return on Equity (ROE) | 14.2749% | 1,055 |
| Retained earnings to average equity (ytd only) | -2.6829% | 6,426 |
| Net charge-offs to loans | 0.0593% | 4,590 |
| Credit loss provision to net charge-offs | 384.6154% | 771 |
| Earnings coverage of net charge-offs (x) | 42.1538% | 841 |
| Efficiency ratio | 65.9698% | 4,542 |
| Assets per employee ($millions) | 3.8458% | 4,205 |
| Cash dividends to net income (ytd only)* | 118.7946% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 3,570 |
| Loan loss allowance to noncurrent loans | 70.9556% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.2698% | 3,888 |
| Noncurrent loans to loans | 2.2699% | 2,653 |
| Net loans and leases to total assets | 55.0395% | 4,624 |
| Net loans and leases to deposits | 62.9816% | 4,882 |
| Net loans and leases to core deposits | 72.5255% | 4,240 |
| Total domestic deposits to total assets | 87.3898% | 2,541 |
| Equity capital to assets | 9.2061% | 5,453 |
| Core capital (leverage) ratio | 8.6376% | 5,465 |
| Tier 1 risk-based capital ratio | 14.4152% | 4,165 |
| Total risk-based capital ratio | 15.6682% | 4,126 |
| Memoranda: | ||
| Average total assets | $229,465,670 | 2,760 |
| Average earning assets | $204,617,670 | 2,825 |
| Average equity | $21,618,330 | 3,027 |
| Average total loans | $131,554,000 | 2,900 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 4,556 |
| Cost of funding earning assets | 0.5332% | 5,595 |
| Net interest margin | 3.8082% | 3,358 |
| Noninterest income to average assets | 0.9457% | 1,578 |
| Noninterest expense to average assets | 2.7217% | 4,346 |
| Loan and lease loss provision to assets | 0.1049% | 4,029 |
| Net operating income to assets | 1.5400% | 956 |
| Return on assets (ROA) | 1.6257% | 921 |
| Pretax return on assets | 1.6257% | 1,486 |
| Return on Equity (ROE) | 17.0595% | 659 |
| Retained earnings to average equity (ytd only) | 7.9428% | 2,003 |
| Net charge-offs to loans | -0.0030% | 5,744 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3299% | 5,210 |
| Assets per employee ($millions) | 3.8962% | 4,205 |
| Cash dividends to net income (ytd only)* | 53.4409% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 3,749 |
| Loan loss allowance to noncurrent loans | 61.8786% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4264% | 3,724 |
| Noncurrent loans to loans | 2.5769% | 2,529 |
| Net loans and leases to total assets | 54.4719% | 4,641 |
| Net loans and leases to deposits | 62.4680% | 4,850 |
| Net loans and leases to core deposits | 71.7382% | 4,190 |
| Total domestic deposits to total assets | 87.1997% | 2,825 |
| Equity capital to assets | 9.5585% | 4,714 |
| Core capital (leverage) ratio | 8.8541% | 5,059 |
| Tier 1 risk-based capital ratio | 14.9218% | 3,807 |
| Total risk-based capital ratio | 16.1750% | 3,772 |
| Memoranda: | ||
| Average total assets | $228,824,000 | 2,782 |
| Average earning assets | $205,555,000 | 2,828 |
| Average equity | $21,806,000 | 2,997 |
| Average total loans | $132,790,000 | 2,893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 4,453 |
| Cost of funding earning assets | 0.7478% | 5,228 |
| Net interest margin | 3.9024% | 3,328 |
| Noninterest income to average assets | 0.8592% | 1,803 |
| Noninterest expense to average assets | 2.7495% | 4,554 |
| Loan and lease loss provision to assets | 1.0343% | 910 |
| Net operating income to assets | 0.5467% | 4,247 |
| Return on assets (ROA) | 0.5867% | 4,253 |
| Pretax return on assets | 0.5867% | 4,734 |
| Return on Equity (ROE) | 6.0577% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.2867% | 5,253 |
| Net charge-offs to loans | 1.6820% | 910 |
| Credit loss provision to net charge-offs | 101.6825% | 3,416 |
| Earnings coverage of net charge-offs (x) | 1.5544% | 4,607 |
| Efficiency ratio | 63.4917% | 5,214 |
| Assets per employee ($millions) | 3.8605% | 4,181 |
| Cash dividends to net income (ytd only)* | 78.7584% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4227% | 4,363 |
| Loan loss allowance to noncurrent loans | 56.1965% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.6613% | 3,459 |
| Noncurrent loans to loans | 2.5316% | 2,596 |
| Net loans and leases to total assets | 59.8692% | 4,015 |
| Net loans and leases to deposits | 69.7946% | 4,141 |
| Net loans and leases to core deposits | 79.4917% | 3,508 |
| Total domestic deposits to total assets | 85.7791% | 3,443 |
| Equity capital to assets | 9.5004% | 4,892 |
| Core capital (leverage) ratio | 8.7493% | 5,171 |
| Tier 1 risk-based capital ratio | 13.9178% | 4,381 |
| Total risk-based capital ratio | 15.1694% | 4,342 |
| Memoranda: | ||
| Average total assets | $227,894,200 | 2,751 |
| Average earning assets | $202,720,800 | 2,817 |
| Average equity | $22,071,200 | 2,883 |
| Average total loans | $137,809,000 | 2,836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 4,235 |
| Cost of funding earning assets | 0.7979% | 5,163 |
| Net interest margin | 3.9503% | 3,157 |
| Noninterest income to average assets | 0.8084% | 2,018 |
| Noninterest expense to average assets | 2.7634% | 4,487 |
| Loan and lease loss provision to assets | 0.4007% | 2,448 |
| Net operating income to assets | 1.1226% | 1,897 |
| Return on assets (ROA) | 1.1758% | 1,844 |
| Pretax return on assets | 1.1758% | 2,714 |
| Return on Equity (ROE) | 12.0831% | 1,531 |
| Retained earnings to average equity (ytd only) | 5.7530% | 2,704 |
| Net charge-offs to loans | 0.0281% | 5,759 |
| Credit loss provision to net charge-offs | 2,362.0690% | 115 |
| Earnings coverage of net charge-offs (x) | 89.7830% | 401 |
| Efficiency ratio | 64.4651% | 4,986 |
| Assets per employee ($millions) | 3.8880% | 4,103 |
| Cash dividends to net income (ytd only)* | 52.3879% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,763 |
| Loan loss allowance to noncurrent loans | 189.6552% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 5,368 |
| Noncurrent loans to loans | 0.9786% | 4,930 |
| Net loans and leases to total assets | 59.5891% | 4,212 |
| Net loans and leases to deposits | 68.6174% | 4,502 |
| Net loans and leases to core deposits | 78.3632% | 3,846 |
| Total domestic deposits to total assets | 86.8426% | 2,749 |
| Equity capital to assets | 9.8513% | 4,547 |
| Core capital (leverage) ratio | 8.9607% | 4,994 |
| Tier 1 risk-based capital ratio | 14.2304% | 4,177 |
| Total risk-based capital ratio | 15.4870% | 4,137 |
| Memoranda: | ||
| Average total assets | $227,925,250 | 2,752 |
| Average earning assets | $200,691,000 | 2,849 |
| Average equity | $22,179,250 | 2,871 |
| Average total loans | $137,678,250 | 2,864 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7281% | 4,408 |
| Cost of funding earning assets | 0.8493% | 5,067 |
| Net interest margin | 3.8788% | 3,399 |
| Noninterest income to average assets | 0.7413% | 2,312 |
| Noninterest expense to average assets | 2.8131% | 4,374 |
| Loan and lease loss provision to assets | 0.2330% | 3,577 |
| Net operating income to assets | 1.0887% | 1,904 |
| Return on assets (ROA) | 1.1687% | 1,748 |
| Pretax return on assets | 1.1687% | 2,608 |
| Return on Equity (ROE) | 12.0601% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.4648% | 971 |
| Net charge-offs to loans | 0.0190% | 5,573 |
| Credit loss provision to net charge-offs | 2,038.4615% | 160 |
| Earnings coverage of net charge-offs (x) | 115.6154% | 306 |
| Efficiency ratio | 68.0349% | 4,506 |
| Assets per employee ($millions) | 3.7776% | 4,257 |
| Cash dividends to net income (ytd only)* | 21.5199% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,645 |
| Loan loss allowance to noncurrent loans | 157.3593% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7342% | 5,441 |
| Noncurrent loans to loans | 1.0249% | 4,943 |
| Net loans and leases to total assets | 58.7052% | 4,513 |
| Net loans and leases to deposits | 67.3389% | 4,808 |
| Net loans and leases to core deposits | 77.0420% | 4,184 |
| Total domestic deposits to total assets | 87.1786% | 2,639 |
| Equity capital to assets | 10.1238% | 3,985 |
| Core capital (leverage) ratio | 9.0786% | 4,607 |
| Tier 1 risk-based capital ratio | 14.7110% | 3,666 |
| Total risk-based capital ratio | 15.9647% | 3,632 |
| Memoranda: | ||
| Average total assets | $227,436,670 | 2,776 |
| Average earning assets | $198,979,330 | 2,885 |
| Average equity | $22,039,670 | 2,872 |
| Average total loans | $137,145,330 | 2,911 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7537% | 4,283 |
| Cost of funding earning assets | 0.9201% | 4,774 |
| Net interest margin | 3.8336% | 3,452 |
| Noninterest income to average assets | 0.7111% | 2,514 |
| Noninterest expense to average assets | 2.8372% | 4,306 |
| Loan and lease loss provision to assets | 0.3072% | 2,710 |
| Net operating income to assets | 0.8656% | 2,721 |
| Return on assets (ROA) | 0.8656% | 2,777 |
| Pretax return on assets | 0.8656% | 3,640 |
| Return on Equity (ROE) | 9.1353% | 2,417 |
| Retained earnings to average equity (ytd only) | 6.9488% | 2,170 |
| Net charge-offs to loans | 0.0348% | 4,607 |
| Credit loss provision to net charge-offs | 1,458.3333% | 277 |
| Earnings coverage of net charge-offs (x) | 55.6667% | 529 |
| Efficiency ratio | 70.7531% | 4,107 |
| Assets per employee ($millions) | 3.7480% | 4,432 |
| Cash dividends to net income (ytd only)* | 23.9351% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 3,858 |
| Loan loss allowance to noncurrent loans | 212.3858% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5758% | 5,822 |
| Noncurrent loans to loans | 0.7403% | 5,534 |
| Net loans and leases to total assets | 56.3580% | 4,933 |
| Net loans and leases to deposits | 65.2356% | 5,086 |
| Net loans and leases to core deposits | 74.4878% | 4,485 |
| Total domestic deposits to total assets | 86.3915% | 3,291 |
| Equity capital to assets | 9.3258% | 4,681 |
| Core capital (leverage) ratio | 8.5515% | 5,348 |
| Tier 1 risk-based capital ratio | 14.3261% | 3,851 |
| Total risk-based capital ratio | 15.5820% | 3,806 |
| Memoranda: | ||
| Average total assets | $227,828,500 | 2,792 |
| Average earning assets | $196,056,500 | 2,932 |
| Average equity | $21,586,500 | 2,912 |
| Average total loans | $138,099,000 | 2,925 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0981% | 4,106 |
| Cost of funding earning assets | 1.0724% | 5,300 |
| Net interest margin | 4.0257% | 2,904 |
| Noninterest income to average assets | 0.9226% | 1,765 |
| Noninterest expense to average assets | 3.0188% | 3,778 |
| Loan and lease loss provision to assets | 0.4624% | 3,354 |
| Net operating income to assets | 1.0492% | 1,877 |
| Return on assets (ROA) | 1.0610% | 1,926 |
| Pretax return on assets | 1.0610% | 2,731 |
| Return on Equity (ROE) | 10.7535% | 1,659 |
| Retained earnings to average equity (ytd only) | 1.4433% | 4,810 |
| Net charge-offs to loans | 0.2310% | 4,897 |
| Credit loss provision to net charge-offs | 309.0634% | 858 |
| Earnings coverage of net charge-offs (x) | 10.1027% | 1,752 |
| Efficiency ratio | 66.6334% | 4,835 |
| Assets per employee ($millions) | 3.8497% | 4,133 |
| Cash dividends to net income (ytd only)* | 86.5786% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3476% | 4,761 |
| Loan loss allowance to noncurrent loans | 117.7656% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 5,501 |
| Noncurrent loans to loans | 1.1443% | 4,822 |
| Net loans and leases to total assets | 63.2453% | 4,023 |
| Net loans and leases to deposits | 73.1065% | 4,343 |
| Net loans and leases to core deposits | 83.5265% | 3,661 |
| Total domestic deposits to total assets | 86.5111% | 3,072 |
| Equity capital to assets | 9.6301% | 4,236 |
| Core capital (leverage) ratio | 8.7551% | 4,928 |
| Tier 1 risk-based capital ratio | 13.1183% | 4,513 |
| Total risk-based capital ratio | 14.3685% | 4,469 |
| Memoranda: | ||
| Average total assets | $221,215,800 | 2,849 |
| Average earning assets | $198,252,000 | 2,901 |
| Average equity | $21,825,400 | 2,897 |
| Average total loans | $143,263,600 | 2,882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1939% | 3,862 |
| Cost of funding earning assets | 1.0953% | 5,443 |
| Net interest margin | 4.0986% | 2,628 |
| Noninterest income to average assets | 0.8790% | 1,878 |
| Noninterest expense to average assets | 3.0067% | 3,716 |
| Loan and lease loss provision to assets | 0.3885% | 3,566 |
| Net operating income to assets | 1.1575% | 1,714 |
| Return on assets (ROA) | 1.1732% | 1,761 |
| Pretax return on assets | 1.1732% | 2,590 |
| Return on Equity (ROE) | 11.8198% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.7863% | 1,949 |
| Net charge-offs to loans | 0.1079% | 5,462 |
| Credit loss provision to net charge-offs | 554.3103% | 520 |
| Earnings coverage of net charge-offs (x) | 22.0607% | 1,109 |
| Efficiency ratio | 66.0430% | 4,847 |
| Assets per employee ($millions) | 3.6242% | 4,678 |
| Cash dividends to net income (ytd only)* | 42.5850% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 5,176 |
| Loan loss allowance to noncurrent loans | 159.0622% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5038% | 6,171 |
| Noncurrent loans to loans | 0.7908% | 5,627 |
| Net loans and leases to total assets | 61.6258% | 4,605 |
| Net loans and leases to deposits | 71.7490% | 4,873 |
| Net loans and leases to core deposits | 82.5993% | 4,150 |
| Total domestic deposits to total assets | 85.8908% | 3,134 |
| Equity capital to assets | 10.1737% | 3,916 |
| Core capital (leverage) ratio | 9.3191% | 4,180 |
| Tier 1 risk-based capital ratio | 14.0528% | 3,795 |
| Total risk-based capital ratio | 15.2660% | 3,792 |
| Memoranda: | ||
| Average total assets | $220,699,750 | 2,905 |
| Average earning assets | $197,818,250 | 2,952 |
| Average equity | $21,906,250 | 2,930 |
| Average total loans | $143,293,750 | 2,917 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 4,183 |
| Cost of funding earning assets | 1.0949% | 5,702 |
| Net interest margin | 4.0580% | 2,759 |
| Noninterest income to average assets | 0.7977% | 2,129 |
| Noninterest expense to average assets | 3.0314% | 3,590 |
| Loan and lease loss provision to assets | 0.3647% | 3,520 |
| Net operating income to assets | 1.0950% | 1,874 |
| Return on assets (ROA) | 1.0950% | 1,943 |
| Pretax return on assets | 1.0950% | 2,802 |
| Return on Equity (ROE) | 11.1264% | 1,708 |
| Retained earnings to average equity (ytd only) | 5.7902% | 2,450 |
| Net charge-offs to loans | 0.0915% | 5,218 |
| Credit loss provision to net charge-offs | 606.0606% | 604 |
| Earnings coverage of net charge-offs (x) | 24.2576% | 1,078 |
| Efficiency ratio | 67.4990% | 4,675 |
| Assets per employee ($millions) | 3.3869% | 5,226 |
| Cash dividends to net income (ytd only)* | 47.9600% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,916 |
| Loan loss allowance to noncurrent loans | 160.9631% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4696% | 6,274 |
| Noncurrent loans to loans | 0.6862% | 5,877 |
| Net loans and leases to total assets | 64.8931% | 4,066 |
| Net loans and leases to deposits | 75.6261% | 4,398 |
| Net loans and leases to core deposits | 87.0806% | 3,679 |
| Total domestic deposits to total assets | 85.8079% | 3,199 |
| Equity capital to assets | 10.2320% | 3,729 |
| Core capital (leverage) ratio | 9.2274% | 4,257 |
| Tier 1 risk-based capital ratio | 13.5680% | 4,025 |
| Total risk-based capital ratio | 14.6369% | 4,113 |
| Memoranda: | ||
| Average total assets | $219,367,000 | 2,946 |
| Average earning assets | $199,655,670 | 2,958 |
| Average equity | $21,588,330 | 2,964 |
| Average total loans | $144,313,000 | 2,934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 4,391 |
| Cost of funding earning assets | 1.1043% | 5,888 |
| Net interest margin | 4.0264% | 2,761 |
| Noninterest income to average assets | 0.7251% | 2,430 |
| Noninterest expense to average assets | 2.9746% | 3,767 |
| Loan and lease loss provision to assets | 0.2175% | 4,328 |
| Net operating income to assets | 1.1945% | 1,554 |
| Return on assets (ROA) | 1.1945% | 1,628 |
| Pretax return on assets | 1.1945% | 2,379 |
| Return on Equity (ROE) | 12.3797% | 1,395 |
| Retained earnings to average equity (ytd only) | 9.7497% | 1,198 |
| Net charge-offs to loans | 0.0908% | 4,507 |
| Credit loss provision to net charge-offs | 363.6364% | 1,116 |
| Earnings coverage of net charge-offs (x) | 23.6061% | 1,049 |
| Efficiency ratio | 67.8099% | 4,757 |
| Assets per employee ($millions) | 3.6110% | 4,795 |
| Cash dividends to net income (ytd only)* | 21.2443% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,765 |
| Loan loss allowance to noncurrent loans | 131.6103% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 6,310 |
| Noncurrent loans to loans | 0.7015% | 5,928 |
| Net loans and leases to total assets | 64.5012% | 4,215 |
| Net loans and leases to deposits | 78.5117% | 3,943 |
| Net loans and leases to core deposits | 91.4379% | 3,180 |
| Total domestic deposits to total assets | 82.1548% | 5,007 |
| Equity capital to assets | 9.8551% | 4,045 |
| Core capital (leverage) ratio | 9.0589% | 4,458 |
| Tier 1 risk-based capital ratio | 13.2349% | 4,183 |
| Total risk-based capital ratio | 14.1182% | 4,401 |
| Memoranda: | ||
| Average total assets | $220,670,000 | 2,981 |
| Average earning assets | $200,678,000 | 2,987 |
| Average equity | $21,293,000 | 3,035 |
| Average total loans | $145,352,500 | 2,976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2596% | 5,368 |
| Cost of funding earning assets | 1.4297% | 5,808 |
| Net interest margin | 3.8299% | 3,579 |
| Noninterest income to average assets | 0.9619% | 1,695 |
| Noninterest expense to average assets | 3.0858% | 3,809 |
| Loan and lease loss provision to assets | 1.0155% | 2,248 |
| Net operating income to assets | 0.3645% | 4,273 |
| Return on assets (ROA) | 0.3516% | 4,410 |
| Pretax return on assets | 0.3516% | 4,640 |
| Return on Equity (ROE) | 3.7292% | 4,193 |
| Retained earnings to average equity (ytd only) | -4.2437% | 5,909 |
| Net charge-offs to loans | 1.4086% | 1,782 |
| Credit loss provision to net charge-offs | 111.1223% | 4,943 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 4,616 |
| Efficiency ratio | 69.0979% | 4,807 |
| Assets per employee ($millions) | 3.6241% | 4,716 |
| Cash dividends to net income (ytd only)* | 213.7976% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 7,015 |
| Loan loss allowance to noncurrent loans | 120.9189% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 6,283 |
| Noncurrent loans to loans | 0.6945% | 5,848 |
| Net loans and leases to total assets | 66.0729% | 4,129 |
| Net loans and leases to deposits | 78.0242% | 4,367 |
| Net loans and leases to core deposits | 90.4629% | 5,072 |
| Total domestic deposits to total assets | 84.6825% | 3,717 |
| Equity capital to assets | 9.4442% | 4,495 |
| Core capital (leverage) ratio | 8.9455% | 4,514 |
| Tier 1 risk-based capital ratio | 12.5615% | 4,475 |
| Total risk-based capital ratio | 13.3658% | 4,805 |
| Memoranda: | ||
| Average total assets | $216,441,200 | 2,995 |
| Average earning assets | $198,019,200 | 2,997 |
| Average equity | $20,406,600 | 3,146 |
| Average total loans | $140,418,400 | 3,075 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2685% | 5,579 |
| Cost of funding earning assets | 1.4994% | 5,824 |
| Net interest margin | 3.7691% | 3,780 |
| Noninterest income to average assets | 0.9990% | 1,610 |
| Noninterest expense to average assets | 3.0848% | 3,700 |
| Loan and lease loss provision to assets | 1.1705% | 1,656 |
| Net operating income to assets | 0.1951% | 5,177 |
| Return on assets (ROA) | 0.1777% | 5,299 |
| Pretax return on assets | 0.1777% | 5,346 |
| Return on Equity (ROE) | 1.8861% | 5,209 |
| Retained earnings to average equity (ytd only) | -5.7239% | 6,356 |
| Net charge-offs to loans | 1.7294% | 1,171 |
| Credit loss provision to net charge-offs | 105.0584% | 4,831 |
| Earnings coverage of net charge-offs (x) | 1.2257% | 4,852 |
| Efficiency ratio | 69.3153% | 4,724 |
| Assets per employee ($millions) | 3.2692% | 5,468 |
| Cash dividends to net income (ytd only)* | 403.4809% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 7,164 |
| Loan loss allowance to noncurrent loans | 123.3853% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 6,412 |
| Noncurrent loans to loans | 0.6369% | 6,023 |
| Net loans and leases to total assets | 64.8352% | 4,690 |
| Net loans and leases to deposits | 76.0229% | 5,038 |
| Net loans and leases to core deposits | 89.5901% | 5,475 |
| Total domestic deposits to total assets | 85.2839% | 3,082 |
| Equity capital to assets | 9.8651% | 4,247 |
| Core capital (leverage) ratio | 8.8886% | 4,828 |
| Tier 1 risk-based capital ratio | 13.4035% | 3,920 |
| Total risk-based capital ratio | 14.1725% | 4,178 |
| Memoranda: | ||
| Average total assets | $215,284,500 | 3,024 |
| Average earning assets | $197,141,250 | 3,026 |
| Average equity | $20,288,750 | 3,194 |
| Average total loans | $138,697,250 | 3,142 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 5,517 |
| Cost of funding earning assets | 1.5518% | 5,921 |
| Net interest margin | 3.7755% | 3,652 |
| Noninterest income to average assets | 1.0998% | 1,313 |
| Noninterest expense to average assets | 3.0448% | 3,896 |
| Loan and lease loss provision to assets | 1.6921% | 993 |
| Net operating income to assets | -0.1739% | 6,142 |
| Return on assets (ROA) | -0.1739% | 6,164 |
| Pretax return on assets | -0.1739% | 6,090 |
| Return on Equity (ROE) | -1.8741% | 6,203 |
| Retained earnings to average equity (ytd only) | -10.1021% | 6,888 |
| Net charge-offs to loans | 2.4926% | 693 |
| Credit loss provision to net charge-offs | 105.8755% | 4,346 |
| Earnings coverage of net charge-offs (x) | 0.9500% | 4,819 |
| Efficiency ratio | 66.7278% | 5,409 |
| Assets per employee ($millions) | 3.5210% | 4,763 |
| Cash dividends to net income (ytd only)* | -439.0374% | 8,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 7,051 |
| Loan loss allowance to noncurrent loans | 83.4951% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 5,854 |
| Noncurrent loans to loans | 0.9940% | 5,217 |
| Net loans and leases to total assets | 62.1967% | 5,325 |
| Net loans and leases to deposits | 72.4916% | 5,669 |
| Net loans and leases to core deposits | 88.2385% | 5,701 |
| Total domestic deposits to total assets | 85.7985% | 2,881 |
| Equity capital to assets | 9.4529% | 4,672 |
| Core capital (leverage) ratio | 9.0620% | 4,531 |
| Tier 1 risk-based capital ratio | 13.5822% | 3,770 |
| Total risk-based capital ratio | 14.3742% | 3,974 |
| Memoranda: | ||
| Average total assets | $215,122,670 | 3,039 |
| Average earning assets | $197,322,670 | 3,037 |
| Average equity | $19,956,330 | 3,250 |
| Average total loans | $137,928,670 | 3,180 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4038% | 5,406 |
| Cost of funding earning assets | 1.6296% | 5,902 |
| Net interest margin | 3.7741% | 3,569 |
| Noninterest income to average assets | 1.2801% | 874 |
| Noninterest expense to average assets | 3.0191% | 3,683 |
| Loan and lease loss provision to assets | 3.2699% | 328 |
| Net operating income to assets | -1.5495% | 7,518 |
| Return on assets (ROA) | -1.5495% | 7,520 |
| Pretax return on assets | -1.5495% | 7,386 |
| Return on Equity (ROE) | -16.8630% | 7,669 |
| Retained earnings to average equity (ytd only) | -28.2869% | 7,835 |
| Net charge-offs to loans | 4.8559% | 225 |
| Credit loss provision to net charge-offs | 103.8961% | 3,628 |
| Earnings coverage of net charge-offs (x) | 0.5466% | 4,555 |
| Efficiency ratio | 63.7005% | 5,745 |
| Assets per employee ($millions) | 3.5797% | 4,623 |
| Cash dividends to net income (ytd only)* | -67.7458% | 8,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8027% | 7,151 |
| Loan loss allowance to noncurrent loans | 43.8639% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 4,292 |
| Noncurrent loans to loans | 1.8299% | 3,517 |
| Net loans and leases to total assets | 64.4631% | 4,908 |
| Net loans and leases to deposits | 78.2533% | 4,887 |
| Net loans and leases to core deposits | 97.1277% | 4,836 |
| Total domestic deposits to total assets | 82.3775% | 4,414 |
| Equity capital to assets | 9.5732% | 4,567 |
| Core capital (leverage) ratio | 8.6870% | 5,175 |
| Tier 1 risk-based capital ratio | 13.4080% | 3,925 |
| Total risk-based capital ratio | 14.1811% | 4,156 |
| Memoranda: | ||
| Average total assets | $215,294,000 | 3,049 |
| Average earning assets | $197,344,000 | 3,050 |
| Average equity | $19,783,000 | 3,289 |
| Average total loans | $139,541,000 | 3,173 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7860% | 6,480 |
| Cost of funding earning assets | 2.1538% | 5,810 |
| Net interest margin | 3.6323% | 4,744 |
| Noninterest income to average assets | 0.7045% | 3,101 |
| Noninterest expense to average assets | 2.6756% | 5,358 |
| Loan and lease loss provision to assets | 0.0940% | 6,187 |
| Net operating income to assets | 1.2567% | 1,615 |
| Return on assets (ROA) | 1.2821% | 1,486 |
| Pretax return on assets | 1.2821% | 2,374 |
| Return on Equity (ROE) | 14.6768% | 977 |
| Retained earnings to average equity (ytd only) | 4.8420% | 2,116 |
| Net charge-offs to loans | 0.0255% | 6,485 |
| Credit loss provision to net charge-offs | 606.0606% | 708 |
| Earnings coverage of net charge-offs (x) | 87.0909% | 486 |
| Efficiency ratio | 66.4527% | 5,030 |
| Assets per employee ($millions) | 3.7791% | 4,005 |
| Cash dividends to net income (ytd only)* | 67.0088% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7055% | 7,407 |
| Loan loss allowance to noncurrent loans | 144.8718% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3148% | 6,348 |
| Noncurrent loans to loans | 0.4870% | 5,886 |
| Net loans and leases to total assets | 64.1992% | 5,234 |
| Net loans and leases to deposits | 76.9959% | 5,473 |
| Net loans and leases to core deposits | 108.7093% | 3,891 |
| Total domestic deposits to total assets | 83.3801% | 3,623 |
| Equity capital to assets | 8.8309% | 5,603 |
| Core capital (leverage) ratio | 8.5558% | 5,471 |
| Tier 1 risk-based capital ratio | 12.5885% | 4,382 |
| Total risk-based capital ratio | 13.2738% | 4,685 |
| Memoranda: | ||
| Average total assets | $212,776,800 | 2,969 |
| Average earning assets | $194,589,600 | 2,966 |
| Average equity | $18,587,200 | 3,463 |
| Average total loans | $129,231,400 | 3,284 |