Home > First State Bank and Trust Company > Performance and Condition Ratios
First State Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 4,144 |
| Cost of funding earning assets | 1.9805% | 1,978 |
| Net interest margin | 2.2414% | 4,194 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 1.8888% | 3,768 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.5143% | 3,540 |
| Return on assets (ROA) | 0.5143% | 3,556 |
| Pretax return on assets | 0.6732% | 3,446 |
| Return on Equity (ROE) | 6.0800% | 3,332 |
| Retained earnings to average equity (ytd only) | 2.3222% | 3,257 |
| Net charge-offs to loans | 0.0528% | 1,133 |
| Credit loss provision to net charge-offs | 104.1667% | 1,234 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 1,103 |
| Efficiency ratio | 73.1959% | 1,503 |
| Assets per employee ($millions) | 10.0240% | 789 |
| Cash dividends to net income (ytd only)* | 61.7816% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 3,748 |
| Loan loss allowance to noncurrent loans | 62.3734% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 1,552 |
| Noncurrent loans to loans | 1.3552% | 758 |
| Net loans and leases to total assets | 33.3700% | 4,132 |
| Net loans and leases to deposits | 39.7325% | 4,135 |
| Net loans and leases to core deposits | 63.2039% | 3,577 |
| Total domestic deposits to total assets | 83.9900% | 2,903 |
| Equity capital to assets | 8.8656% | 3,030 |
| Core capital (leverage) ratio | 14.3041% | 726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $541,282,000 | 1,684 |
| Average earning assets | $499,680,500 | 1,686 |
| Average equity | $45,819,000 | 1,866 |
| Average total loans | $181,837,000 | 2,528 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1341% | 4,202 |
| Cost of funding earning assets | 2.2014% | 1,736 |
| Net interest margin | 1.9327% | 4,282 |
| Noninterest income to average assets | 0.5400% | 1,745 |
| Noninterest expense to average assets | 1.8005% | 3,950 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.4110% | 3,662 |
| Return on assets (ROA) | 0.4110% | 3,685 |
| Pretax return on assets | 0.4995% | 3,647 |
| Return on Equity (ROE) | 5.1600% | 3,477 |
| Retained earnings to average equity (ytd only) | -0.4599% | 4,034 |
| Net charge-offs to loans | 0.2670% | 564 |
| Credit loss provision to net charge-offs | 42.9448% | 2,374 |
| Earnings coverage of net charge-offs (x) | 6.2025% | 2,528 |
| Efficiency ratio | 77.0384% | 1,279 |
| Assets per employee ($millions) | 10.0235% | 778 |
| Cash dividends to net income (ytd only)* | 108.9109% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8480% | 3,772 |
| Loan loss allowance to noncurrent loans | 61.6834% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,500 |
| Noncurrent loans to loans | 1.3747% | 722 |
| Net loans and leases to total assets | 33.2500% | 4,169 |
| Net loans and leases to deposits | 39.5771% | 4,168 |
| Net loans and leases to core deposits | 62.1212% | 3,675 |
| Total domestic deposits to total assets | 84.0000% | 2,785 |
| Equity capital to assets | 8.0642% | 3,467 |
| Core capital (leverage) ratio | 14.0700% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $565,187,600 | 1,612 |
| Average earning assets | $524,616,400 | 1,604 |
| Average equity | $45,014,000 | 1,841 |
| Average total loans | $183,127,000 | 2,493 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 4,230 |
| Cost of funding earning assets | 2.2174% | 1,692 |
| Net interest margin | 1.8836% | 4,322 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 1.7694% | 3,976 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.3663% | 3,747 |
| Return on assets (ROA) | 0.3663% | 3,785 |
| Pretax return on assets | 0.4454% | 3,737 |
| Return on Equity (ROE) | 4.6100% | 3,609 |
| Retained earnings to average equity (ytd only) | 1.0406% | 3,715 |
| Net charge-offs to loans | 0.0327% | 1,671 |
| Credit loss provision to net charge-offs | 355.5556% | 786 |
| Earnings coverage of net charge-offs (x) | 45.9556% | 1,255 |
| Efficiency ratio | 78.5655% | 1,181 |
| Assets per employee ($millions) | 9.9718% | 777 |
| Cash dividends to net income (ytd only)* | 77.4379% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 2,939 |
| Loan loss allowance to noncurrent loans | 79.3188% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 1,530 |
| Noncurrent loans to loans | 1.3388% | 736 |
| Net loans and leases to total assets | 32.2500% | 4,213 |
| Net loans and leases to deposits | 39.7688% | 4,202 |
| Net loans and leases to core deposits | 63.5213% | 3,665 |
| Total domestic deposits to total assets | 81.1000% | 3,287 |
| Equity capital to assets | 9.2588% | 2,844 |
| Core capital (leverage) ratio | 13.9681% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $571,167,500 | 1,592 |
| Average earning assets | $530,755,500 | 1,592 |
| Average equity | $45,355,250 | 1,832 |
| Average total loans | $183,536,000 | 2,486 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 4,238 |
| Cost of funding earning assets | 2.1935% | 1,661 |
| Net interest margin | 1.8763% | 4,339 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 1.7615% | 3,994 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.3618% | 3,735 |
| Return on assets (ROA) | 0.3618% | 3,777 |
| Pretax return on assets | 0.4369% | 3,745 |
| Return on Equity (ROE) | 4.8200% | 3,559 |
| Retained earnings to average equity (ytd only) | 1.1841% | 3,563 |
| Net charge-offs to loans | 0.0261% | 1,631 |
| Credit loss provision to net charge-offs | 354.1667% | 761 |
| Earnings coverage of net charge-offs (x) | 55.9167% | 1,050 |
| Efficiency ratio | 79.0640% | 1,205 |
| Assets per employee ($millions) | 10.0802% | 714 |
| Cash dividends to net income (ytd only)* | 75.4083% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,183 |
| Loan loss allowance to noncurrent loans | 90.3800% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 1,514 |
| Noncurrent loans to loans | 1.1270% | 809 |
| Net loans and leases to total assets | 32.3500% | 4,227 |
| Net loans and leases to deposits | 39.1436% | 4,211 |
| Net loans and leases to core deposits | 64.2395% | 3,615 |
| Total domestic deposits to total assets | 82.6300% | 2,946 |
| Equity capital to assets | 7.7576% | 3,587 |
| Core capital (leverage) ratio | 13.6413% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $575,417,333 | 1,575 |
| Average earning assets | $534,574,333 | 1,577 |
| Average equity | $43,239,333 | 1,868 |
| Average total loans | $184,037,000 | 2,473 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 4,232 |
| Cost of funding earning assets | 2.1341% | 1,698 |
| Net interest margin | 1.9025% | 4,354 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 1.7284% | 4,055 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.4090% | 3,595 |
| Return on assets (ROA) | 0.4090% | 3,612 |
| Pretax return on assets | 0.4972% | 3,580 |
| Return on Equity (ROE) | 5.5300% | 3,337 |
| Retained earnings to average equity (ytd only) | 1.6665% | 3,328 |
| Net charge-offs to loans | 0.0174% | 1,508 |
| Credit loss provision to net charge-offs | 375.0000% | 591 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 704 |
| Efficiency ratio | 76.9467% | 1,455 |
| Assets per employee ($millions) | 10.8764% | 570 |
| Cash dividends to net income (ytd only)* | 69.8653% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 3,310 |
| Loan loss allowance to noncurrent loans | 68.2882% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,338 |
| Noncurrent loans to loans | 1.4622% | 553 |
| Net loans and leases to total assets | 31.0500% | 4,258 |
| Net loans and leases to deposits | 36.0750% | 4,263 |
| Net loans and leases to core deposits | 58.6134% | 3,819 |
| Total domestic deposits to total assets | 86.0600% | 2,078 |
| Equity capital to assets | 7.2449% | 3,790 |
| Core capital (leverage) ratio | 13.3114% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $580,880,000 | 1,572 |
| Average earning assets | $540,754,000 | 1,566 |
| Average equity | $42,963,500 | 1,865 |
| Average total loans | $183,823,000 | 2,469 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 4,187 |
| Cost of funding earning assets | 1.7646% | 1,312 |
| Net interest margin | 2.0299% | 4,402 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 1.6020% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6121% | 3,412 |
| Return on assets (ROA) | 0.6121% | 3,396 |
| Pretax return on assets | 0.7603% | 3,312 |
| Return on Equity (ROE) | 8.5700% | 2,876 |
| Retained earnings to average equity (ytd only) | 0.0095% | 4,042 |
| Net charge-offs to loans | 0.0281% | 1,746 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 89.5600% | 958 |
| Efficiency ratio | 67.8166% | 2,131 |
| Assets per employee ($millions) | 9.9041% | 727 |
| Cash dividends to net income (ytd only)* | 99.8890% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,362 |
| Loan loss allowance to noncurrent loans | 84.4403% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 1,425 |
| Noncurrent loans to loans | 1.1735% | 615 |
| Net loans and leases to total assets | 31.6200% | 4,259 |
| Net loans and leases to deposits | 36.8538% | 4,261 |
| Net loans and leases to core deposits | 56.0360% | 3,909 |
| Total domestic deposits to total assets | 85.8100% | 2,069 |
| Equity capital to assets | 7.5510% | 3,688 |
| Core capital (leverage) ratio | 13.3969% | 938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $589,002,400 | 1,501 |
| Average earning assets | $548,044,800 | 1,497 |
| Average equity | $42,078,200 | 1,812 |
| Average total loans | $177,762,400 | 2,468 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7390% | 4,168 |
| Cost of funding earning assets | 1.6866% | 1,214 |
| Net interest margin | 2.0524% | 4,424 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.5836% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6585% | 3,411 |
| Return on assets (ROA) | 0.6585% | 3,398 |
| Pretax return on assets | 0.7901% | 3,358 |
| Return on Equity (ROE) | 9.3500% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.9166% | 2,320 |
| Net charge-offs to loans | 0.0151% | 1,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 175.6000% | 657 |
| Efficiency ratio | 66.7141% | 2,189 |
| Assets per employee ($millions) | 9.6348% | 760 |
| Cash dividends to net income (ytd only)* | 25.9993% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,241 |
| Loan loss allowance to noncurrent loans | 88.1623% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 1,533 |
| Noncurrent loans to loans | 1.1606% | 680 |
| Net loans and leases to total assets | 30.9000% | 4,300 |
| Net loans and leases to deposits | 36.3756% | 4,287 |
| Net loans and leases to core deposits | 56.2389% | 3,848 |
| Total domestic deposits to total assets | 84.9600% | 2,511 |
| Equity capital to assets | 6.5485% | 3,816 |
| Core capital (leverage) ratio | 13.5944% | 908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $592,643,750 | 1,500 |
| Average earning assets | $551,788,250 | 1,489 |
| Average equity | $41,753,750 | 1,808 |
| Average total loans | $176,335,000 | 2,481 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6801% | 4,163 |
| Cost of funding earning assets | 1.5680% | 1,129 |
| Net interest margin | 2.1121% | 4,455 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.6496% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6397% | 3,487 |
| Return on assets (ROA) | 0.6397% | 3,498 |
| Pretax return on assets | 0.7739% | 3,453 |
| Return on Equity (ROE) | 8.8800% | 3,018 |
| Retained earnings to average equity (ytd only) | 5.8068% | 2,692 |
| Net charge-offs to loans | 0.0503% | 1,013 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 52.5455% | 1,265 |
| Efficiency ratio | 68.0663% | 1,979 |
| Assets per employee ($millions) | 9.8622% | 692 |
| Cash dividends to net income (ytd only)* | 34.5892% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,285 |
| Loan loss allowance to noncurrent loans | 98.0118% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 1,614 |
| Noncurrent loans to loans | 1.0528% | 701 |
| Net loans and leases to total assets | 29.5600% | 4,340 |
| Net loans and leases to deposits | 33.8605% | 4,332 |
| Net loans and leases to core deposits | 52.8154% | 3,925 |
| Total domestic deposits to total assets | 87.3100% | 1,830 |
| Equity capital to assets | 7.2584% | 3,658 |
| Core capital (leverage) ratio | 13.9738% | 773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $597,495,000 | 1,479 |
| Average earning assets | $557,260,333 | 1,470 |
| Average equity | $43,053,000 | 1,781 |
| Average total loans | $174,945,000 | 2,486 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,097 |
| Cost of funding earning assets | 1.4261% | 981 |
| Net interest margin | 2.2272% | 4,485 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.6723% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7242% | 3,411 |
| Return on assets (ROA) | 0.7242% | 3,367 |
| Pretax return on assets | 0.8628% | 3,324 |
| Return on Equity (ROE) | 10.0900% | 2,760 |
| Retained earnings to average equity (ytd only) | 5.8091% | 2,818 |
| Net charge-offs to loans | 0.1448% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 20.5556% | 1,445 |
| Efficiency ratio | 65.9658% | 2,210 |
| Assets per employee ($millions) | 9.9659% | 709 |
| Cash dividends to net income (ytd only)* | 42.4103% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,422 |
| Loan loss allowance to noncurrent loans | 104.1570% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 1,654 |
| Noncurrent loans to loans | 0.9813% | 752 |
| Net loans and leases to total assets | 29.2100% | 4,385 |
| Net loans and leases to deposits | 31.6936% | 4,414 |
| Net loans and leases to core deposits | 48.6328% | 4,032 |
| Total domestic deposits to total assets | 92.1800% | 477 |
| Equity capital to assets | 7.2219% | 3,718 |
| Core capital (leverage) ratio | 13.4803% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $600,377,000 | 1,499 |
| Average earning assets | $561,251,000 | 1,487 |
| Average equity | $43,104,500 | 1,792 |
| Average total loans | $174,035,500 | 2,514 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1522% | 3,901 |
| Cost of funding earning assets | 0.5355% | 1,187 |
| Net interest margin | 2.6167% | 4,151 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 1.6464% | 4,251 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0970% | 2,187 |
| Return on assets (ROA) | 1.0637% | 2,269 |
| Pretax return on assets | 1.2753% | 2,181 |
| Return on Equity (ROE) | 11.0300% | 2,466 |
| Retained earnings to average equity (ytd only) | 1.7151% | 4,038 |
| Net charge-offs to loans | 0.1488% | 554 |
| Credit loss provision to net charge-offs | 15.0407% | 1,945 |
| Earnings coverage of net charge-offs (x) | 31.7642% | 1,654 |
| Efficiency ratio | 55.4707% | 3,633 |
| Assets per employee ($millions) | 10.7643% | 535 |
| Cash dividends to net income (ytd only)* | 84.4490% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 2,948 |
| Loan loss allowance to noncurrent loans | 97.3424% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.3183% | 1,591 |
| Noncurrent loans to loans | 1.1185% | 643 |
| Net loans and leases to total assets | 28.1500% | 4,433 |
| Net loans and leases to deposits | 30.5372% | 4,464 |
| Net loans and leases to core deposits | 45.6377% | 4,131 |
| Total domestic deposits to total assets | 92.1900% | 589 |
| Equity capital to assets | 7.1375% | 3,591 |
| Core capital (leverage) ratio | 13.6556% | 780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $591,216,600 | 1,507 |
| Average earning assets | $553,897,600 | 1,495 |
| Average equity | $57,023,400 | 1,461 |
| Average total loans | $165,275,200 | 2,504 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0523% | 3,789 |
| Cost of funding earning assets | 0.3709% | 1,518 |
| Net interest margin | 2.6814% | 3,963 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 1.6442% | 4,251 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1649% | 1,837 |
| Return on assets (ROA) | 1.1649% | 1,811 |
| Pretax return on assets | 1.3842% | 1,764 |
| Return on Equity (ROE) | 11.3200% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.3163% | 1,547 |
| Net charge-offs to loans | 0.2118% | 318 |
| Credit loss provision to net charge-offs | 14.2308% | 1,648 |
| Earnings coverage of net charge-offs (x) | 23.6346% | 1,646 |
| Efficiency ratio | 54.1418% | 3,812 |
| Assets per employee ($millions) | 9.9453% | 668 |
| Cash dividends to net income (ytd only)* | 17.7237% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 2,981 |
| Loan loss allowance to noncurrent loans | 72.7915% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 1,191 |
| Noncurrent loans to loans | 1.5202% | 460 |
| Net loans and leases to total assets | 28.7200% | 4,448 |
| Net loans and leases to deposits | 32.2147% | 4,460 |
| Net loans and leases to core deposits | 46.7341% | 4,071 |
| Total domestic deposits to total assets | 89.1700% | 2,020 |
| Equity capital to assets | 8.0020% | 2,897 |
| Core capital (leverage) ratio | 14.5852% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $588,321,000 | 1,520 |
| Average earning assets | $551,141,500 | 1,506 |
| Average equity | $60,523,000 | 1,413 |
| Average total loans | $163,700,250 | 2,509 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9612% | 3,649 |
| Cost of funding earning assets | 0.2777% | 1,930 |
| Net interest margin | 2.6835% | 3,732 |
| Noninterest income to average assets | 0.4512% | 2,438 |
| Noninterest expense to average assets | 1.6388% | 4,241 |
| Loan and lease loss provision to assets | 0.0125% | 2,372 |
| Net operating income to assets | 1.1186% | 1,706 |
| Return on assets (ROA) | 1.1186% | 1,681 |
| Pretax return on assets | 1.3230% | 1,673 |
| Return on Equity (ROE) | 10.1422% | 2,286 |
| Retained earnings to average equity (ytd only) | 8.2712% | 1,519 |
| Net charge-offs to loans | 0.1416% | 462 |
| Credit loss provision to net charge-offs | 32.1739% | 1,565 |
| Earnings coverage of net charge-offs (x) | 34.3826% | 1,339 |
| Efficiency ratio | 55.0988% | 3,863 |
| Assets per employee ($millions) | 10.2445% | 616 |
| Cash dividends to net income (ytd only)* | 18.4481% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 2,641 |
| Loan loss allowance to noncurrent loans | 80.7599% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4333% | 1,311 |
| Noncurrent loans to loans | 1.4966% | 495 |
| Net loans and leases to total assets | 28.4673% | 4,508 |
| Net loans and leases to deposits | 31.6313% | 4,509 |
| Net loans and leases to core deposits | 47.9382% | 4,027 |
| Total domestic deposits to total assets | 89.9971% | 1,705 |
| Equity capital to assets | 7.9331% | 3,172 |
| Core capital (leverage) ratio | 14.1218% | 605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,151,333 | 1,518 |
| Average earning assets | $556,734,667 | 1,501 |
| Average equity | $65,311,333 | 1,355 |
| Average total loans | $162,418,667 | 2,531 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8511% | 3,647 |
| Cost of funding earning assets | 0.2608% | 2,036 |
| Net interest margin | 2.5903% | 3,684 |
| Noninterest income to average assets | 0.4337% | 2,475 |
| Noninterest expense to average assets | 1.5957% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0875% | 1,556 |
| Return on assets (ROA) | 1.0875% | 1,555 |
| Pretax return on assets | 1.2890% | 1,537 |
| Return on Equity (ROE) | 8.6955% | 2,441 |
| Retained earnings to average equity (ytd only) | 6.2438% | 2,159 |
| Net charge-offs to loans | -0.0273% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3147% | 3,936 |
| Assets per employee ($millions) | 10.6501% | 566 |
| Cash dividends to net income (ytd only)* | 28.1957% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,384 |
| Loan loss allowance to noncurrent loans | 79.4218% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 1,353 |
| Noncurrent loans to loans | 1.6307% | 488 |
| Net loans and leases to total assets | 26.6825% | 4,540 |
| Net loans and leases to deposits | 30.2851% | 4,544 |
| Net loans and leases to core deposits | 46.4582% | 4,049 |
| Total domestic deposits to total assets | 88.1042% | 2,478 |
| Equity capital to assets | 11.3823% | 1,169 |
| Core capital (leverage) ratio | 13.3980% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $601,380,000 | 1,499 |
| Average earning assets | $569,045,000 | 1,482 |
| Average equity | $75,211,000 | 1,254 |
| Average total loans | $160,971,500 | 2,538 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9766% | 3,911 |
| Cost of funding earning assets | 0.3296% | 2,125 |
| Net interest margin | 2.6470% | 3,969 |
| Noninterest income to average assets | 0.4722% | 2,707 |
| Noninterest expense to average assets | 1.6775% | 4,330 |
| Loan and lease loss provision to assets | 0.0535% | 1,986 |
| Net operating income to assets | 1.0552% | 2,464 |
| Return on assets (ROA) | 1.0552% | 2,538 |
| Pretax return on assets | 1.2431% | 2,542 |
| Return on Equity (ROE) | 6.9106% | 3,538 |
| Retained earnings to average equity (ytd only) | 0.9125% | 4,280 |
| Net charge-offs to loans | 0.1248% | 729 |
| Credit loss provision to net charge-offs | 146.3415% | 1,507 |
| Earnings coverage of net charge-offs (x) | 35.4927% | 1,498 |
| Efficiency ratio | 56.4050% | 3,657 |
| Assets per employee ($millions) | 10.8278% | 531 |
| Cash dividends to net income (ytd only)* | 86.7950% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,400 |
| Loan loss allowance to noncurrent loans | 89.2136% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 1,692 |
| Noncurrent loans to loans | 1.4479% | 641 |
| Net loans and leases to total assets | 26.1634% | 4,623 |
| Net loans and leases to deposits | 34.1134% | 4,525 |
| Net loans and leases to core deposits | 44.7545% | 4,238 |
| Total domestic deposits to total assets | 76.6955% | 4,479 |
| Equity capital to assets | 13.6120% | 736 |
| Core capital (leverage) ratio | 13.3932% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $561,196,400 | 1,539 |
| Average earning assets | $530,412,400 | 1,516 |
| Average equity | $85,694,800 | 1,141 |
| Average total loans | $164,289,400 | 2,514 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0233% | 3,961 |
| Cost of funding earning assets | 0.3544% | 2,074 |
| Net interest margin | 2.6689% | 4,028 |
| Noninterest income to average assets | 0.4713% | 2,748 |
| Noninterest expense to average assets | 1.7280% | 4,289 |
| Loan and lease loss provision to assets | 0.0145% | 2,705 |
| Net operating income to assets | 1.0634% | 2,674 |
| Return on assets (ROA) | 1.0634% | 2,742 |
| Pretax return on assets | 1.2482% | 2,778 |
| Return on Equity (ROE) | 6.7618% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.7730% | 3,300 |
| Net charge-offs to loans | -0.0121% | 3,753 |
| Credit loss provision to net charge-offs | -400.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7787% | 3,303 |
| Assets per employee ($millions) | 9.7073% | 709 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2744% | 2,616 |
| Loan loss allowance to noncurrent loans | 84.4071% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.4255% | 1,759 |
| Noncurrent loans to loans | 1.5099% | 696 |
| Net loans and leases to total assets | 27.8227% | 4,656 |
| Net loans and leases to deposits | 36.9990% | 4,546 |
| Net loans and leases to core deposits | 49.0986% | 4,186 |
| Total domestic deposits to total assets | 75.1985% | 4,591 |
| Equity capital to assets | 15.3409% | 486 |
| Core capital (leverage) ratio | 14.3641% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $549,907,000 | 1,582 |
| Average earning assets | $519,109,500 | 1,556 |
| Average equity | $86,484,250 | 1,154 |
| Average total loans | $165,182,000 | 2,543 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0308% | 3,985 |
| Cost of funding earning assets | 0.3804% | 2,048 |
| Net interest margin | 2.6504% | 4,079 |
| Noninterest income to average assets | 0.4735% | 2,738 |
| Noninterest expense to average assets | 1.7640% | 4,259 |
| Loan and lease loss provision to assets | 0.0037% | 2,807 |
| Net operating income to assets | 1.0315% | 2,783 |
| Return on assets (ROA) | 1.0315% | 2,861 |
| Pretax return on assets | 1.2034% | 2,904 |
| Return on Equity (ROE) | 6.5028% | 3,783 |
| Retained earnings to average equity (ytd only) | 4.4917% | 3,365 |
| Net charge-offs to loans | -0.0180% | 3,946 |
| Credit loss provision to net charge-offs | -66.6667% | 3,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3719% | 3,103 |
| Assets per employee ($millions) | 9.5484% | 700 |
| Cash dividends to net income (ytd only)* | 30.9260% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,831 |
| Loan loss allowance to noncurrent loans | 76.3699% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4587% | 1,813 |
| Noncurrent loans to loans | 1.5946% | 691 |
| Net loans and leases to total assets | 28.4173% | 4,695 |
| Net loans and leases to deposits | 37.5931% | 4,592 |
| Net loans and leases to core deposits | 52.9317% | 4,089 |
| Total domestic deposits to total assets | 75.5919% | 4,584 |
| Equity capital to assets | 15.0133% | 522 |
| Core capital (leverage) ratio | 14.1544% | 601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $542,299,000 | 1,591 |
| Average earning assets | $511,017,667 | 1,572 |
| Average equity | $86,025,000 | 1,152 |
| Average total loans | $166,440,667 | 2,540 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0548% | 3,980 |
| Cost of funding earning assets | 0.4025% | 2,073 |
| Net interest margin | 2.6524% | 4,054 |
| Noninterest income to average assets | 0.4835% | 2,682 |
| Noninterest expense to average assets | 1.8103% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0163% | 2,762 |
| Return on assets (ROA) | 1.0163% | 2,844 |
| Pretax return on assets | 1.1643% | 2,940 |
| Return on Equity (ROE) | 6.2256% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.0171% | 3,496 |
| Net charge-offs to loans | 0.0096% | 1,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 383.5000% | 240 |
| Efficiency ratio | 60.8574% | 2,926 |
| Assets per employee ($millions) | 9.0780% | 806 |
| Cash dividends to net income (ytd only)* | 35.4742% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1958% | 2,955 |
| Loan loss allowance to noncurrent loans | 68.8610% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 1,756 |
| Noncurrent loans to loans | 1.7366% | 688 |
| Net loans and leases to total assets | 30.4976% | 4,683 |
| Net loans and leases to deposits | 37.3484% | 4,649 |
| Net loans and leases to core deposits | 53.5506% | 4,115 |
| Total domestic deposits to total assets | 81.6573% | 3,963 |
| Equity capital to assets | 15.8056% | 413 |
| Core capital (leverage) ratio | 15.1952% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $526,996,500 | 1,614 |
| Average earning assets | $494,954,500 | 1,606 |
| Average equity | $86,031,500 | 1,144 |
| Average total loans | $167,255,500 | 2,534 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 4,130 |
| Cost of funding earning assets | 0.5688% | 2,511 |
| Net interest margin | 2.8772% | 4,149 |
| Noninterest income to average assets | 0.4600% | 2,818 |
| Noninterest expense to average assets | 1.8081% | 4,460 |
| Loan and lease loss provision to assets | 0.2200% | 1,780 |
| Net operating income to assets | 0.9953% | 2,309 |
| Return on assets (ROA) | 0.9988% | 2,440 |
| Pretax return on assets | 1.1652% | 2,456 |
| Return on Equity (ROE) | 5.8772% | 3,622 |
| Retained earnings to average equity (ytd only) | 0.1809% | 4,465 |
| Net charge-offs to loans | 0.2863% | 600 |
| Credit loss provision to net charge-offs | 220.4771% | 2,066 |
| Earnings coverage of net charge-offs (x) | 13.8429% | 2,255 |
| Efficiency ratio | 56.6924% | 3,897 |
| Assets per employee ($millions) | 8.9378% | 756 |
| Cash dividends to net income (ytd only)* | 96.9215% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 3,104 |
| Loan loss allowance to noncurrent loans | 64.0893% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 1,764 |
| Noncurrent loans to loans | 1.8270% | 675 |
| Net loans and leases to total assets | 32.2550% | 4,698 |
| Net loans and leases to deposits | 40.1195% | 4,658 |
| Net loans and leases to core deposits | 56.6588% | 4,121 |
| Total domestic deposits to total assets | 80.3972% | 3,980 |
| Equity capital to assets | 16.8614% | 352 |
| Core capital (leverage) ratio | 15.5336% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $504,129,400 | 1,540 |
| Average earning assets | $478,215,400 | 1,513 |
| Average equity | $85,669,800 | 1,090 |
| Average total loans | $175,687,200 | 2,440 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5243% | 4,161 |
| Cost of funding earning assets | 0.6099% | 2,552 |
| Net interest margin | 2.9144% | 4,155 |
| Noninterest income to average assets | 0.4509% | 2,844 |
| Noninterest expense to average assets | 1.8134% | 4,470 |
| Loan and lease loss provision to assets | 0.2247% | 1,804 |
| Net operating income to assets | 1.0236% | 2,241 |
| Return on assets (ROA) | 1.0281% | 2,359 |
| Pretax return on assets | 1.1904% | 2,421 |
| Return on Equity (ROE) | 6.0380% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,032 |
| Net charge-offs to loans | 0.3970% | 401 |
| Credit loss provision to net charge-offs | 159.8485% | 2,270 |
| Earnings coverage of net charge-offs (x) | 10.0246% | 2,382 |
| Efficiency ratio | 56.2598% | 3,888 |
| Assets per employee ($millions) | 8.2579% | 917 |
| Cash dividends to net income (ytd only)* | 33.1606% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 3,762 |
| Loan loss allowance to noncurrent loans | 59.9503% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.5811% | 1,989 |
| Noncurrent loans to loans | 1.6438% | 849 |
| Net loans and leases to total assets | 34.2716% | 4,730 |
| Net loans and leases to deposits | 44.5499% | 4,641 |
| Net loans and leases to core deposits | 57.3893% | 4,324 |
| Total domestic deposits to total assets | 76.9284% | 4,332 |
| Equity capital to assets | 18.0730% | 295 |
| Core capital (leverage) ratio | 16.1794% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $500,564,000 | 1,528 |
| Average earning assets | $476,148,500 | 1,497 |
| Average equity | $85,235,250 | 1,088 |
| Average total loans | $177,312,000 | 2,429 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,216 |
| Cost of funding earning assets | 0.6579% | 2,641 |
| Net interest margin | 2.9720% | 4,184 |
| Noninterest income to average assets | 0.4416% | 2,848 |
| Noninterest expense to average assets | 1.8433% | 4,495 |
| Loan and lease loss provision to assets | 0.1880% | 2,141 |
| Net operating income to assets | 1.0702% | 2,071 |
| Return on assets (ROA) | 1.0739% | 2,188 |
| Pretax return on assets | 1.2424% | 2,210 |
| Return on Equity (ROE) | 6.4369% | 3,351 |
| Retained earnings to average equity (ytd only) | 4.4798% | 2,716 |
| Net charge-offs to loans | 0.1350% | 1,038 |
| Credit loss provision to net charge-offs | 390.0826% | 1,427 |
| Earnings coverage of net charge-offs (x) | 29.5950% | 1,447 |
| Efficiency ratio | 56.3825% | 3,899 |
| Assets per employee ($millions) | 8.5181% | 805 |
| Cash dividends to net income (ytd only)* | 30.4042% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 3,684 |
| Loan loss allowance to noncurrent loans | 60.2654% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 2,072 |
| Noncurrent loans to loans | 1.6179% | 906 |
| Net loans and leases to total assets | 34.2979% | 4,773 |
| Net loans and leases to deposits | 44.0945% | 4,702 |
| Net loans and leases to core deposits | 63.0016% | 4,127 |
| Total domestic deposits to total assets | 77.7826% | 4,215 |
| Equity capital to assets | 17.3266% | 347 |
| Core capital (leverage) ratio | 15.8812% | 451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,260,333 | 1,490 |
| Average earning assets | $477,853,333 | 1,462 |
| Average equity | $83,798,000 | 1,099 |
| Average total loans | $179,250,333 | 2,411 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7464% | 4,305 |
| Cost of funding earning assets | 0.7297% | 2,783 |
| Net interest margin | 3.0167% | 4,255 |
| Noninterest income to average assets | 0.4773% | 2,668 |
| Noninterest expense to average assets | 1.8978% | 4,546 |
| Loan and lease loss provision to assets | 0.0603% | 3,019 |
| Net operating income to assets | 1.1867% | 1,558 |
| Return on assets (ROA) | 1.1867% | 1,676 |
| Pretax return on assets | 1.3892% | 1,595 |
| Return on Equity (ROE) | 7.2562% | 2,849 |
| Retained earnings to average equity (ytd only) | 4.9472% | 2,295 |
| Net charge-offs to loans | 0.0510% | 1,502 |
| Credit loss provision to net charge-offs | 326.0870% | 1,118 |
| Earnings coverage of net charge-offs (x) | 78.4348% | 679 |
| Efficiency ratio | 56.6971% | 4,140 |
| Assets per employee ($millions) | 8.5313% | 619 |
| Cash dividends to net income (ytd only)* | 31.8213% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7946% | 4,431 |
| Loan loss allowance to noncurrent loans | 46.5557% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6290% | 2,115 |
| Noncurrent loans to loans | 1.7069% | 887 |
| Net loans and leases to total assets | 35.3685% | 4,803 |
| Net loans and leases to deposits | 45.0042% | 4,744 |
| Net loans and leases to core deposits | 66.8979% | 4,034 |
| Total domestic deposits to total assets | 78.5893% | 4,127 |
| Equity capital to assets | 16.1581% | 556 |
| Core capital (leverage) ratio | 16.0616% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $497,847,000 | 1,473 |
| Average earning assets | $473,623,500 | 1,437 |
| Average equity | $81,420,000 | 1,118 |
| Average total loans | $180,366,500 | 2,356 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,552 |
| Cost of funding earning assets | 0.9481% | 1,970 |
| Net interest margin | 2.8620% | 4,697 |
| Noninterest income to average assets | 0.4834% | 2,835 |
| Noninterest expense to average assets | 1.8146% | 4,760 |
| Loan and lease loss provision to assets | 0.0691% | 2,629 |
| Net operating income to assets | 1.1119% | 2,391 |
| Return on assets (ROA) | 1.1090% | 2,500 |
| Pretax return on assets | 1.3188% | 2,446 |
| Return on Equity (ROE) | 6.9233% | 3,574 |
| Retained earnings to average equity (ytd only) | 1.0530% | 4,366 |
| Net charge-offs to loans | 0.1283% | 1,488 |
| Credit loss provision to net charge-offs | 149.7835% | 1,712 |
| Earnings coverage of net charge-offs (x) | 30.1732% | 1,576 |
| Efficiency ratio | 56.6030% | 4,131 |
| Assets per employee ($millions) | 8.0713% | 690 |
| Cash dividends to net income (ytd only)* | 84.7912% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 4,421 |
| Loan loss allowance to noncurrent loans | 43.1711% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 1,937 |
| Noncurrent loans to loans | 1.7569% | 776 |
| Net loans and leases to total assets | 36.5404% | 4,827 |
| Net loans and leases to deposits | 46.8647% | 4,764 |
| Net loans and leases to core deposits | 67.7107% | 4,096 |
| Total domestic deposits to total assets | 77.9701% | 4,363 |
| Equity capital to assets | 16.5552% | 523 |
| Core capital (leverage) ratio | 15.7772% | 549 |
| Tier 1 risk-based capital ratio | 35.7118% | 315 |
| Total risk-based capital ratio | 36.3337% | 321 |
| Memoranda: | ||
| Average total assets | $500,988,200 | 1,424 |
| Average earning assets | $476,548,200 | 1,393 |
| Average equity | $80,250,400 | 1,093 |
| Average total loans | $180,035,000 | 2,318 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 4,626 |
| Cost of funding earning assets | 0.9859% | 1,824 |
| Net interest margin | 2.8513% | 4,809 |
| Noninterest income to average assets | 0.4807% | 2,847 |
| Noninterest expense to average assets | 1.7905% | 4,828 |
| Loan and lease loss provision to assets | 0.0795% | 2,320 |
| Net operating income to assets | 1.1221% | 2,488 |
| Return on assets (ROA) | 1.1183% | 2,590 |
| Pretax return on assets | 1.3183% | 2,607 |
| Return on Equity (ROE) | 7.0388% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.1023% | 2,846 |
| Net charge-offs to loans | 0.0519% | 2,087 |
| Credit loss provision to net charge-offs | 428.5714% | 716 |
| Earnings coverage of net charge-offs (x) | 75.6008% | 891 |
| Efficiency ratio | 56.0793% | 4,164 |
| Assets per employee ($millions) | 8.4194% | 591 |
| Cash dividends to net income (ytd only)* | 27.5118% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,363 |
| Loan loss allowance to noncurrent loans | 52.9872% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 2,335 |
| Noncurrent loans to loans | 1.5429% | 969 |
| Net loans and leases to total assets | 35.7836% | 4,947 |
| Net loans and leases to deposits | 50.5769% | 4,761 |
| Net loans and leases to core deposits | 68.1490% | 4,166 |
| Total domestic deposits to total assets | 70.7507% | 4,965 |
| Equity capital to assets | 16.6546% | 531 |
| Core capital (leverage) ratio | 16.0888% | 545 |
| Tier 1 risk-based capital ratio | 36.5984% | 312 |
| Total risk-based capital ratio | 37.2702% | 314 |
| Memoranda: | ||
| Average total assets | $503,148,250 | 1,423 |
| Average earning assets | $478,598,000 | 1,390 |
| Average equity | $79,935,750 | 1,087 |
| Average total loans | $179,723,500 | 2,340 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,635 |
| Cost of funding earning assets | 0.9927% | 1,730 |
| Net interest margin | 2.8584% | 4,865 |
| Noninterest income to average assets | 0.4645% | 2,882 |
| Noninterest expense to average assets | 1.8238% | 4,847 |
| Loan and lease loss provision to assets | 0.0896% | 2,053 |
| Net operating income to assets | 1.0796% | 2,606 |
| Return on assets (ROA) | 1.0739% | 2,698 |
| Pretax return on assets | 1.2629% | 2,698 |
| Return on Equity (ROE) | 6.8707% | 3,726 |
| Retained earnings to average equity (ytd only) | 4.4234% | 3,052 |
| Net charge-offs to loans | 0.0056% | 2,952 |
| Credit loss provision to net charge-offs | 4,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 683.0000% | 116 |
| Efficiency ratio | 57.2965% | 4,095 |
| Assets per employee ($millions) | 8.4035% | 582 |
| Cash dividends to net income (ytd only)* | 35.6190% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,351 |
| Loan loss allowance to noncurrent loans | 50.3399% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.5835% | 2,264 |
| Noncurrent loans to loans | 1.6370% | 940 |
| Net loans and leases to total assets | 35.3500% | 4,999 |
| Net loans and leases to deposits | 47.0715% | 4,873 |
| Net loans and leases to core deposits | 67.3428% | 4,242 |
| Total domestic deposits to total assets | 75.0986% | 4,757 |
| Equity capital to assets | 16.2844% | 568 |
| Core capital (leverage) ratio | 15.8257% | 571 |
| Tier 1 risk-based capital ratio | 36.5272% | 300 |
| Total risk-based capital ratio | 37.2047% | 308 |
| Memoranda: | ||
| Average total assets | $502,476,000 | 1,426 |
| Average earning assets | $477,895,000 | 1,390 |
| Average equity | $78,536,670 | 1,099 |
| Average total loans | $178,879,330 | 2,353 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8511% | 4,625 |
| Cost of funding earning assets | 0.9752% | 1,679 |
| Net interest margin | 2.8760% | 4,907 |
| Noninterest income to average assets | 0.4721% | 2,722 |
| Noninterest expense to average assets | 1.8158% | 4,906 |
| Loan and lease loss provision to assets | 0.0797% | 2,102 |
| Net operating income to assets | 1.1100% | 2,435 |
| Return on assets (ROA) | 1.1100% | 2,479 |
| Pretax return on assets | 1.3094% | 2,418 |
| Return on Equity (ROE) | 7.2546% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.8521% | 2,971 |
| Net charge-offs to loans | 0.0314% | 1,819 |
| Credit loss provision to net charge-offs | 714.2857% | 478 |
| Earnings coverage of net charge-offs (x) | 124.4286% | 574 |
| Efficiency ratio | 56.6559% | 4,255 |
| Assets per employee ($millions) | 8.4077% | 580 |
| Cash dividends to net income (ytd only)* | 33.1178% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 4,643 |
| Loan loss allowance to noncurrent loans | 70.5081% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 3,076 |
| Noncurrent loans to loans | 1.0753% | 1,550 |
| Net loans and leases to total assets | 34.3544% | 5,062 |
| Net loans and leases to deposits | 45.0500% | 4,955 |
| Net loans and leases to core deposits | 59.4465% | 4,590 |
| Total domestic deposits to total assets | 76.2586% | 4,735 |
| Equity capital to assets | 15.3003% | 684 |
| Core capital (leverage) ratio | 15.7612% | 567 |
| Tier 1 risk-based capital ratio | 35.9867% | 301 |
| Total risk-based capital ratio | 36.5994% | 310 |
| Memoranda: | ||
| Average total assets | $501,608,000 | 1,430 |
| Average earning assets | $476,637,500 | 1,397 |
| Average equity | $76,751,000 | 1,115 |
| Average total loans | $178,459,000 | 2,384 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,548 |
| Cost of funding earning assets | 0.7415% | 1,842 |
| Net interest margin | 3.0326% | 4,763 |
| Noninterest income to average assets | 0.5577% | 2,507 |
| Noninterest expense to average assets | 1.8848% | 4,915 |
| Loan and lease loss provision to assets | 0.0380% | 3,446 |
| Net operating income to assets | 1.2770% | 1,889 |
| Return on assets (ROA) | 1.2770% | 1,884 |
| Pretax return on assets | 1.5058% | 1,766 |
| Return on Equity (ROE) | 8.0704% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.3130% | 4,608 |
| Net charge-offs to loans | -0.0040% | 4,310 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9723% | 4,521 |
| Assets per employee ($millions) | 7.9088% | 682 |
| Cash dividends to net income (ytd only)* | 83.7312% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,803 |
| Loan loss allowance to noncurrent loans | 96.4778% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 3,495 |
| Noncurrent loans to loans | 0.7281% | 2,171 |
| Net loans and leases to total assets | 36.3250% | 5,061 |
| Net loans and leases to deposits | 47.9206% | 4,933 |
| Net loans and leases to core deposits | 63.4326% | 4,477 |
| Total domestic deposits to total assets | 75.8025% | 4,776 |
| Equity capital to assets | 15.3017% | 644 |
| Core capital (leverage) ratio | 15.9352% | 520 |
| Tier 1 risk-based capital ratio | 35.8628% | 300 |
| Total risk-based capital ratio | 36.4412% | 310 |
| Memoranda: | ||
| Average total assets | $478,939,200 | 1,460 |
| Average earning assets | $453,413,200 | 1,441 |
| Average equity | $75,783,200 | 1,081 |
| Average total loans | $176,979,800 | 2,357 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7341% | 4,585 |
| Cost of funding earning assets | 0.6840% | 1,952 |
| Net interest margin | 3.0501% | 4,780 |
| Noninterest income to average assets | 0.5615% | 2,513 |
| Noninterest expense to average assets | 1.8719% | 4,950 |
| Loan and lease loss provision to assets | 0.0420% | 3,145 |
| Net operating income to assets | 1.2989% | 1,866 |
| Return on assets (ROA) | 1.2989% | 1,868 |
| Pretax return on assets | 1.5350% | 1,790 |
| Return on Equity (ROE) | 8.1397% | 3,491 |
| Retained earnings to average equity (ytd only) | 5.6459% | 2,858 |
| Net charge-offs to loans | -0.0680% | 5,043 |
| Credit loss provision to net charge-offs | -166.6667% | 4,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2753% | 4,581 |
| Assets per employee ($millions) | 8.1807% | 605 |
| Cash dividends to net income (ytd only)* | 30.6382% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 4,766 |
| Loan loss allowance to noncurrent loans | 231.4488% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1212% | 4,362 |
| Noncurrent loans to loans | 0.3221% | 3,517 |
| Net loans and leases to total assets | 35.5379% | 5,157 |
| Net loans and leases to deposits | 48.8897% | 4,989 |
| Net loans and leases to core deposits | 62.0457% | 4,609 |
| Total domestic deposits to total assets | 72.6900% | 5,081 |
| Equity capital to assets | 15.4000% | 639 |
| Core capital (leverage) ratio | 16.2391% | 488 |
| Tier 1 risk-based capital ratio | 37.2781% | 268 |
| Total risk-based capital ratio | 37.8860% | 278 |
| Memoranda: | ||
| Average total assets | $476,087,750 | 1,470 |
| Average earning assets | $450,684,500 | 1,453 |
| Average equity | $75,971,250 | 1,074 |
| Average total loans | $176,380,250 | 2,373 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6660% | 4,658 |
| Cost of funding earning assets | 0.5943% | 2,263 |
| Net interest margin | 3.0717% | 4,782 |
| Noninterest income to average assets | 0.5548% | 2,557 |
| Noninterest expense to average assets | 1.8978% | 4,962 |
| Loan and lease loss provision to assets | 0.0637% | 2,626 |
| Net operating income to assets | 1.2760% | 1,875 |
| Return on assets (ROA) | 1.2760% | 1,878 |
| Pretax return on assets | 1.5005% | 1,812 |
| Return on Equity (ROE) | 7.9003% | 3,540 |
| Retained earnings to average equity (ytd only) | 5.4797% | 2,836 |
| Net charge-offs to loans | -0.0544% | 4,949 |
| Credit loss provision to net charge-offs | -312.5000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8185% | 4,605 |
| Assets per employee ($millions) | 8.3704% | 544 |
| Cash dividends to net income (ytd only)* | 30.6387% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 4,896 |
| Loan loss allowance to noncurrent loans | 112.4113% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2415% | 3,802 |
| Noncurrent loans to loans | 0.6407% | 2,510 |
| Net loans and leases to total assets | 34.8037% | 5,215 |
| Net loans and leases to deposits | 47.4416% | 5,047 |
| Net loans and leases to core deposits | 64.5258% | 4,457 |
| Total domestic deposits to total assets | 73.3612% | 5,096 |
| Equity capital to assets | 15.0338% | 676 |
| Core capital (leverage) ratio | 16.5879% | 436 |
| Tier 1 risk-based capital ratio | 36.2757% | 297 |
| Total risk-based capital ratio | 36.8564% | 314 |
| Memoranda: | ||
| Average total assets | $471,170,670 | 1,500 |
| Average earning assets | $445,937,670 | 1,468 |
| Average equity | $76,098,670 | 1,076 |
| Average total loans | $176,592,330 | 2,383 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6833% | 4,503 |
| Cost of funding earning assets | 0.4854% | 2,905 |
| Net interest margin | 3.1980% | 4,466 |
| Noninterest income to average assets | 0.6057% | 2,230 |
| Noninterest expense to average assets | 1.9691% | 4,913 |
| Loan and lease loss provision to assets | 0.0439% | 2,883 |
| Net operating income to assets | 1.3730% | 1,412 |
| Return on assets (ROA) | 1.3730% | 1,427 |
| Pretax return on assets | 1.6179% | 1,341 |
| Return on Equity (ROE) | 8.1889% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.7751% | 2,823 |
| Net charge-offs to loans | 0.0090% | 2,414 |
| Credit loss provision to net charge-offs | 1,250.0000% | 283 |
| Earnings coverage of net charge-offs (x) | 473.2500% | 131 |
| Efficiency ratio | 54.2311% | 4,777 |
| Assets per employee ($millions) | 7.6375% | 726 |
| Cash dividends to net income (ytd only)* | 29.4757% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6376% | 5,121 |
| Loan loss allowance to noncurrent loans | 57.2014% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 2,912 |
| Noncurrent loans to loans | 1.1146% | 1,644 |
| Net loans and leases to total assets | 38.5970% | 5,120 |
| Net loans and leases to deposits | 46.7807% | 5,081 |
| Net loans and leases to core deposits | 64.2592% | 4,409 |
| Total domestic deposits to total assets | 82.5064% | 3,811 |
| Equity capital to assets | 16.7933% | 415 |
| Core capital (leverage) ratio | 17.1798% | 364 |
| Tier 1 risk-based capital ratio | 37.9711% | 258 |
| Total risk-based capital ratio | 38.5128% | 267 |
| Memoranda: | ||
| Average total assets | $455,645,000 | 1,552 |
| Average earning assets | $431,021,000 | 1,523 |
| Average equity | $76,396,500 | 1,073 |
| Average total loans | $176,858,500 | 2,394 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5860% | 4,601 |
| Cost of funding earning assets | 0.3443% | 3,763 |
| Net interest margin | 3.2417% | 4,329 |
| Noninterest income to average assets | 0.4811% | 3,120 |
| Noninterest expense to average assets | 1.9392% | 5,064 |
| Loan and lease loss provision to assets | 0.0517% | 3,194 |
| Net operating income to assets | 1.1451% | 1,694 |
| Return on assets (ROA) | 1.1108% | 1,845 |
| Pretax return on assets | 1.5232% | 1,553 |
| Return on Equity (ROE) | 6.6886% | 3,436 |
| Retained earnings to average equity (ytd only) | 2.6803% | 3,711 |
| Net charge-offs to loans | 0.3971% | 629 |
| Credit loss provision to net charge-offs | 34.3706% | 3,499 |
| Earnings coverage of net charge-offs (x) | 10.7864% | 2,633 |
| Efficiency ratio | 54.4553% | 4,915 |
| Assets per employee ($millions) | 7.4302% | 797 |
| Cash dividends to net income (ytd only)* | 59.9272% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5988% | 5,250 |
| Loan loss allowance to noncurrent loans | 104.4922% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 3,790 |
| Noncurrent loans to loans | 0.5731% | 2,785 |
| Net loans and leases to total assets | 38.5536% | 5,195 |
| Net loans and leases to deposits | 46.8021% | 5,171 |
| Net loans and leases to core deposits | 64.4061% | 4,512 |
| Total domestic deposits to total assets | 82.3759% | 3,764 |
| Equity capital to assets | 16.7407% | 421 |
| Core capital (leverage) ratio | 16.3884% | 431 |
| Tier 1 risk-based capital ratio | 36.8225% | 277 |
| Total risk-based capital ratio | 37.3334% | 292 |
| Memoranda: | ||
| Average total assets | $470,200,200 | 1,477 |
| Average earning assets | $446,735,400 | 1,444 |
| Average equity | $78,088,600 | 1,032 |
| Average total loans | $178,032,800 | 2,355 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5669% | 4,643 |
| Cost of funding earning assets | 0.3191% | 3,942 |
| Net interest margin | 3.2478% | 4,332 |
| Noninterest income to average assets | 0.4695% | 3,217 |
| Noninterest expense to average assets | 1.7486% | 5,326 |
| Loan and lease loss provision to assets | 0.0071% | 3,985 |
| Net operating income to assets | 1.3492% | 1,201 |
| Return on assets (ROA) | 1.3517% | 1,221 |
| Pretax return on assets | 1.8065% | 877 |
| Return on Equity (ROE) | 8.1550% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.1550% | 1,163 |
| Net charge-offs to loans | 0.1192% | 1,597 |
| Credit loss provision to net charge-offs | 15.7233% | 3,187 |
| Earnings coverage of net charge-offs (x) | 40.3531% | 1,287 |
| Efficiency ratio | 49.1359% | 5,283 |
| Assets per employee ($millions) | 7.7107% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7837% | 4,936 |
| Loan loss allowance to noncurrent loans | 91.6776% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,613 |
| Noncurrent loans to loans | 0.8549% | 2,229 |
| Net loans and leases to total assets | 37.6550% | 5,281 |
| Net loans and leases to deposits | 49.7568% | 5,136 |
| Net loans and leases to core deposits | 63.4984% | 4,628 |
| Total domestic deposits to total assets | 75.6780% | 5,057 |
| Equity capital to assets | 17.3155% | 397 |
| Core capital (leverage) ratio | 17.1501% | 370 |
| Tier 1 risk-based capital ratio | 38.1088% | 252 |
| Total risk-based capital ratio | 38.7767% | 265 |
| Memoranda: | ||
| Average total assets | $472,581,500 | 1,484 |
| Average earning assets | $449,529,000 | 1,448 |
| Average equity | $78,330,750 | 1,032 |
| Average total loans | $177,871,750 | 2,358 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5564% | 4,617 |
| Cost of funding earning assets | 0.2953% | 4,129 |
| Net interest margin | 3.2612% | 4,236 |
| Noninterest income to average assets | 0.4935% | 3,061 |
| Noninterest expense to average assets | 1.7472% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3792% | 1,110 |
| Return on assets (ROA) | 1.3830% | 1,128 |
| Pretax return on assets | 1.8550% | 734 |
| Return on Equity (ROE) | 8.4691% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.4691% | 1,004 |
| Net charge-offs to loans | 0.0979% | 1,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 50.3218% | 1,067 |
| Efficiency ratio | 48.5728% | 5,375 |
| Assets per employee ($millions) | 7.5311% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8045% | 4,943 |
| Loan loss allowance to noncurrent loans | 80.9284% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 2,903 |
| Noncurrent loans to loans | 0.9941% | 1,975 |
| Net loans and leases to total assets | 37.6049% | 5,316 |
| Net loans and leases to deposits | 47.0330% | 5,247 |
| Net loans and leases to core deposits | 60.9516% | 4,771 |
| Total domestic deposits to total assets | 79.9544% | 4,426 |
| Equity capital to assets | 16.8801% | 419 |
| Core capital (leverage) ratio | 16.7051% | 395 |
| Tier 1 risk-based capital ratio | 37.0538% | 262 |
| Total risk-based capital ratio | 37.7376% | 268 |
| Memoranda: | ||
| Average total assets | $473,324,670 | 1,491 |
| Average earning assets | $450,451,000 | 1,449 |
| Average equity | $77,293,000 | 1,048 |
| Average total loans | $177,659,000 | 2,361 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5590% | 4,520 |
| Cost of funding earning assets | 0.2782% | 4,269 |
| Net interest margin | 3.2808% | 4,080 |
| Noninterest income to average assets | 0.5077% | 2,924 |
| Noninterest expense to average assets | 1.7396% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4062% | 986 |
| Return on assets (ROA) | 1.4062% | 1,016 |
| Pretax return on assets | 1.8910% | 652 |
| Return on Equity (ROE) | 8.7595% | 2,535 |
| Retained earnings to average equity (ytd only) | 8.7595% | 1,161 |
| Net charge-offs to loans | 0.0521% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 97.1739% | 550 |
| Efficiency ratio | 47.9142% | 5,471 |
| Assets per employee ($millions) | 7.4568% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,910 |
| Loan loss allowance to noncurrent loans | 95.4488% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,073 |
| Noncurrent loans to loans | 0.8956% | 2,237 |
| Net loans and leases to total assets | 37.2813% | 5,356 |
| Net loans and leases to deposits | 44.9103% | 5,335 |
| Net loans and leases to core deposits | 61.1258% | 4,713 |
| Total domestic deposits to total assets | 83.0127% | 3,832 |
| Equity capital to assets | 16.3602% | 443 |
| Core capital (leverage) ratio | 16.2437% | 432 |
| Tier 1 risk-based capital ratio | 36.5127% | 288 |
| Total risk-based capital ratio | 37.2315% | 295 |
| Memoranda: | ||
| Average total assets | $472,757,500 | 1,495 |
| Average earning assets | $450,008,000 | 1,456 |
| Average equity | $75,895,000 | 1,067 |
| Average total loans | $176,555,000 | 2,391 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4881% | 4,813 |
| Cost of funding earning assets | 0.2838% | 4,224 |
| Net interest margin | 3.2043% | 4,445 |
| Noninterest income to average assets | 0.5019% | 3,224 |
| Noninterest expense to average assets | 1.9482% | 5,288 |
| Loan and lease loss provision to assets | 0.0997% | 2,388 |
| Net operating income to assets | 1.1499% | 1,693 |
| Return on assets (ROA) | 1.1613% | 1,738 |
| Pretax return on assets | 1.5274% | 1,502 |
| Return on Equity (ROE) | 7.2258% | 3,354 |
| Retained earnings to average equity (ytd only) | 0.1196% | 5,267 |
| Net charge-offs to loans | 0.2515% | 1,098 |
| Credit loss provision to net charge-offs | 109.7996% | 2,389 |
| Earnings coverage of net charge-offs (x) | 17.7506% | 2,019 |
| Efficiency ratio | 54.7185% | 5,179 |
| Assets per employee ($millions) | 7.4334% | 755 |
| Cash dividends to net income (ytd only)* | 98.3452% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,901 |
| Loan loss allowance to noncurrent loans | 76.3944% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,807 |
| Noncurrent loans to loans | 1.1379% | 1,803 |
| Net loans and leases to total assets | 36.7696% | 5,460 |
| Net loans and leases to deposits | 43.9595% | 5,432 |
| Net loans and leases to core deposits | 61.9459% | 4,756 |
| Total domestic deposits to total assets | 83.6443% | 3,557 |
| Equity capital to assets | 15.7510% | 529 |
| Core capital (leverage) ratio | 15.4336% | 537 |
| Tier 1 risk-based capital ratio | 35.2525% | 310 |
| Total risk-based capital ratio | 35.9732% | 325 |
| Memoranda: | ||
| Average total assets | $494,355,200 | 1,392 |
| Average earning assets | $471,860,600 | 1,340 |
| Average equity | $79,451,200 | 994 |
| Average total loans | $178,543,800 | 2,327 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4865% | 4,843 |
| Cost of funding earning assets | 0.2870% | 4,231 |
| Net interest margin | 3.1995% | 4,492 |
| Noninterest income to average assets | 0.4991% | 3,255 |
| Noninterest expense to average assets | 1.7544% | 5,573 |
| Loan and lease loss provision to assets | 0.0267% | 3,710 |
| Net operating income to assets | 1.3208% | 1,229 |
| Return on assets (ROA) | 1.3354% | 1,281 |
| Pretax return on assets | 1.7942% | 908 |
| Return on Equity (ROE) | 8.2698% | 2,870 |
| Retained earnings to average equity (ytd only) | 6.6797% | 1,795 |
| Net charge-offs to loans | 0.2107% | 1,106 |
| Credit loss provision to net charge-offs | 35.3357% | 3,187 |
| Earnings coverage of net charge-offs (x) | 23.8200% | 1,702 |
| Efficiency ratio | 49.3425% | 5,540 |
| Assets per employee ($millions) | 7.4539% | 733 |
| Cash dividends to net income (ytd only)* | 19.2277% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 5,359 |
| Loan loss allowance to noncurrent loans | 65.3827% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 3,441 |
| Noncurrent loans to loans | 1.1174% | 2,016 |
| Net loans and leases to total assets | 36.6538% | 5,524 |
| Net loans and leases to deposits | 49.5310% | 5,322 |
| Net loans and leases to core deposits | 60.7322% | 4,896 |
| Total domestic deposits to total assets | 74.0018% | 5,433 |
| Equity capital to assets | 17.2596% | 408 |
| Core capital (leverage) ratio | 15.9683% | 478 |
| Tier 1 risk-based capital ratio | 36.9851% | 289 |
| Total risk-based capital ratio | 37.5972% | 307 |
| Memoranda: | ||
| Average total assets | $499,010,250 | 1,381 |
| Average earning assets | $476,689,750 | 1,331 |
| Average equity | $80,580,750 | 987 |
| Average total loans | $179,064,750 | 2,319 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 4,922 |
| Cost of funding earning assets | 0.2839% | 4,305 |
| Net interest margin | 3.1965% | 4,550 |
| Noninterest income to average assets | 0.4906% | 3,260 |
| Noninterest expense to average assets | 1.7378% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3426% | 1,182 |
| Return on assets (ROA) | 1.3643% | 1,201 |
| Pretax return on assets | 1.8391% | 803 |
| Return on Equity (ROE) | 8.6393% | 2,674 |
| Retained earnings to average equity (ytd only) | 6.2237% | 2,003 |
| Net charge-offs to loans | 0.1586% | 1,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.1056% | 1,345 |
| Efficiency ratio | 48.9874% | 5,622 |
| Assets per employee ($millions) | 7.5278% | 690 |
| Cash dividends to net income (ytd only)* | 27.9604% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 5,410 |
| Loan loss allowance to noncurrent loans | 66.5844% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 3,708 |
| Noncurrent loans to loans | 1.1240% | 2,051 |
| Net loans and leases to total assets | 36.0077% | 5,608 |
| Net loans and leases to deposits | 47.1598% | 5,453 |
| Net loans and leases to core deposits | 63.5350% | 4,776 |
| Total domestic deposits to total assets | 76.3524% | 5,243 |
| Equity capital to assets | 16.4804% | 487 |
| Core capital (leverage) ratio | 15.4379% | 533 |
| Tier 1 risk-based capital ratio | 35.8948% | 312 |
| Total risk-based capital ratio | 36.5203% | 324 |
| Memoranda: | ||
| Average total assets | $503,845,000 | 1,371 |
| Average earning assets | $481,834,000 | 1,321 |
| Average equity | $79,566,330 | 998 |
| Average total loans | $179,120,670 | 2,324 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 4,897 |
| Cost of funding earning assets | 0.2835% | 4,349 |
| Net interest margin | 3.2147% | 4,535 |
| Noninterest income to average assets | 0.4809% | 3,252 |
| Noninterest expense to average assets | 1.7306% | 5,724 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3492% | 1,134 |
| Return on assets (ROA) | 1.3923% | 1,111 |
| Pretax return on assets | 1.8843% | 717 |
| Return on Equity (ROE) | 9.0091% | 2,421 |
| Retained earnings to average equity (ytd only) | 6.4584% | 2,161 |
| Net charge-offs to loans | 0.2061% | 975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 25.1739% | 1,304 |
| Efficiency ratio | 48.6588% | 5,695 |
| Assets per employee ($millions) | 7.5035% | 702 |
| Cash dividends to net income (ytd only)* | 28.3126% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 5,408 |
| Loan loss allowance to noncurrent loans | 67.0825% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 0.4535% | 3,777 |
| Noncurrent loans to loans | 1.1726% | 2,068 |
| Net loans and leases to total assets | 35.0734% | 5,675 |
| Net loans and leases to deposits | 43.9454% | 5,591 |
| Net loans and leases to core deposits | 61.4660% | 4,843 |
| Total domestic deposits to total assets | 79.8113% | 4,785 |
| Equity capital to assets | 15.8502% | 552 |
| Core capital (leverage) ratio | 14.9432% | 612 |
| Tier 1 risk-based capital ratio | 36.0403% | 306 |
| Total risk-based capital ratio | 36.7015% | 318 |
| Memoranda: | ||
| Average total assets | $507,351,000 | 1,360 |
| Average earning assets | $485,401,500 | 1,312 |
| Average equity | $78,409,500 | 1,016 |
| Average total loans | $178,557,500 | 2,325 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4421% | 5,063 |
| Cost of funding earning assets | 0.2515% | 4,773 |
| Net interest margin | 3.1907% | 4,659 |
| Noninterest income to average assets | 0.4632% | 3,576 |
| Noninterest expense to average assets | 1.7196% | 5,824 |
| Loan and lease loss provision to assets | 0.0956% | 2,400 |
| Net operating income to assets | 1.2585% | 1,370 |
| Return on assets (ROA) | 1.2577% | 1,420 |
| Pretax return on assets | 1.6982% | 997 |
| Return on Equity (ROE) | 8.4520% | 2,735 |
| Retained earnings to average equity (ytd only) | 4.7864% | 2,590 |
| Net charge-offs to loans | 0.0438% | 3,337 |
| Credit loss provision to net charge-offs | 638.9610% | 530 |
| Earnings coverage of net charge-offs (x) | 119.9091% | 506 |
| Efficiency ratio | 48.9297% | 5,803 |
| Assets per employee ($millions) | 7.5289% | 683 |
| Cash dividends to net income (ytd only)* | 43.3694% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 5,322 |
| Loan loss allowance to noncurrent loans | 81.1989% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4147% | 3,940 |
| Noncurrent loans to loans | 1.0229% | 2,292 |
| Net loans and leases to total assets | 34.7485% | 5,750 |
| Net loans and leases to deposits | 41.3428% | 5,729 |
| Net loans and leases to core deposits | 59.6732% | 5,001 |
| Total domestic deposits to total assets | 84.0497% | 3,460 |
| Equity capital to assets | 15.0663% | 655 |
| Core capital (leverage) ratio | 14.4273% | 730 |
| Tier 1 risk-based capital ratio | 35.4090% | 328 |
| Total risk-based capital ratio | 36.1130% | 334 |
| Memoranda: | ||
| Average total assets | $514,412,000 | 1,303 |
| Average earning assets | $491,931,400 | 1,269 |
| Average equity | $76,549,800 | 992 |
| Average total loans | $175,760,800 | 2,286 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4292% | 5,140 |
| Cost of funding earning assets | 0.2494% | 4,885 |
| Net interest margin | 3.1798% | 4,738 |
| Noninterest income to average assets | 0.4637% | 3,606 |
| Noninterest expense to average assets | 1.5458% | 6,011 |
| Loan and lease loss provision to assets | 0.0582% | 3,022 |
| Net operating income to assets | 1.3848% | 1,144 |
| Return on assets (ROA) | 1.3848% | 1,198 |
| Pretax return on assets | 1.8997% | 720 |
| Return on Equity (ROE) | 9.3344% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.8459% | 1,763 |
| Net charge-offs to loans | -0.0099% | 4,984 |
| Credit loss provision to net charge-offs | -1,730.7692% | 5,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1185% | 6,037 |
| Assets per employee ($millions) | 7.5523% | 671 |
| Cash dividends to net income (ytd only)* | 26.6593% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7261% | 5,670 |
| Loan loss allowance to noncurrent loans | 50.4605% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 0.5293% | 3,727 |
| Noncurrent loans to loans | 1.4389% | 1,751 |
| Net loans and leases to total assets | 35.0097% | 5,816 |
| Net loans and leases to deposits | 46.2496% | 5,640 |
| Net loans and leases to core deposits | 56.9459% | 5,254 |
| Total domestic deposits to total assets | 75.6972% | 5,537 |
| Equity capital to assets | 15.2591% | 687 |
| Core capital (leverage) ratio | 14.5981% | 716 |
| Tier 1 risk-based capital ratio | 35.0320% | 344 |
| Total risk-based capital ratio | 35.6447% | 364 |
| Memoranda: | ||
| Average total assets | $515,023,750 | 1,312 |
| Average earning assets | $492,383,000 | 1,276 |
| Average equity | $76,403,750 | 1,001 |
| Average total loans | $174,853,500 | 2,311 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4052% | 5,220 |
| Cost of funding earning assets | 0.2508% | 4,930 |
| Net interest margin | 3.1544% | 4,813 |
| Noninterest income to average assets | 0.4586% | 3,641 |
| Noninterest expense to average assets | 1.5262% | 6,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4118% | 1,066 |
| Return on assets (ROA) | 1.4118% | 1,102 |
| Pretax return on assets | 1.9476% | 666 |
| Return on Equity (ROE) | 9.6079% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.1630% | 1,634 |
| Net charge-offs to loans | -0.1574% | 5,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9357% | 6,114 |
| Assets per employee ($millions) | 8.0619% | 514 |
| Cash dividends to net income (ytd only)* | 25.4466% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6962% | 5,826 |
| Loan loss allowance to noncurrent loans | 63.8376% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 4,399 |
| Noncurrent loans to loans | 1.0906% | 2,470 |
| Net loans and leases to total assets | 33.4764% | 5,926 |
| Net loans and leases to deposits | 42.8066% | 5,809 |
| Net loans and leases to core deposits | 52.9844% | 5,486 |
| Total domestic deposits to total assets | 78.2037% | 5,231 |
| Equity capital to assets | 14.8092% | 739 |
| Core capital (leverage) ratio | 14.2601% | 773 |
| Tier 1 risk-based capital ratio | 34.6372% | 375 |
| Total risk-based capital ratio | 35.2041% | 391 |
| Memoranda: | ||
| Average total assets | $515,513,330 | 1,325 |
| Average earning assets | $492,769,330 | 1,286 |
| Average equity | $75,750,330 | 1,017 |
| Average total loans | $172,768,330 | 2,338 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4303% | 5,144 |
| Cost of funding earning assets | 0.2534% | 4,989 |
| Net interest margin | 3.1769% | 4,685 |
| Noninterest income to average assets | 0.4627% | 3,556 |
| Noninterest expense to average assets | 1.5518% | 6,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4105% | 1,015 |
| Return on assets (ROA) | 1.4105% | 1,071 |
| Pretax return on assets | 1.9476% | 654 |
| Return on Equity (ROE) | 9.6366% | 2,163 |
| Retained earnings to average equity (ytd only) | 7.1917% | 1,927 |
| Net charge-offs to loans | -0.1905% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3434% | 6,167 |
| Assets per employee ($millions) | 7.9014% | 567 |
| Cash dividends to net income (ytd only)* | 25.3715% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6741% | 5,950 |
| Loan loss allowance to noncurrent loans | 71.0429% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 4,712 |
| Noncurrent loans to loans | 0.9489% | 2,876 |
| Net loans and leases to total assets | 32.7177% | 5,976 |
| Net loans and leases to deposits | 39.8518% | 5,918 |
| Net loans and leases to core deposits | 50.5688% | 5,560 |
| Total domestic deposits to total assets | 82.0984% | 4,484 |
| Equity capital to assets | 14.6588% | 788 |
| Core capital (leverage) ratio | 13.9039% | 852 |
| Tier 1 risk-based capital ratio | 34.8104% | 369 |
| Total risk-based capital ratio | 35.3654% | 383 |
| Memoranda: | ||
| Average total assets | $515,288,000 | 1,329 |
| Average earning assets | $492,557,500 | 1,285 |
| Average equity | $75,420,500 | 1,021 |
| Average total loans | $172,184,000 | 2,347 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 5,054 |
| Cost of funding earning assets | 0.2664% | 5,144 |
| Net interest margin | 3.3462% | 4,415 |
| Noninterest income to average assets | 0.4996% | 3,517 |
| Noninterest expense to average assets | 1.8028% | 6,061 |
| Loan and lease loss provision to assets | 0.0795% | 2,894 |
| Net operating income to assets | 1.3239% | 1,256 |
| Return on assets (ROA) | 1.3239% | 1,297 |
| Pretax return on assets | 1.8008% | 788 |
| Return on Equity (ROE) | 8.9540% | 2,611 |
| Retained earnings to average equity (ytd only) | 5.0709% | 2,550 |
| Net charge-offs to loans | 0.1202% | 2,834 |
| Credit loss provision to net charge-offs | 189.6552% | 1,301 |
| Earnings coverage of net charge-offs (x) | 44.8818% | 1,005 |
| Efficiency ratio | 48.9494% | 6,147 |
| Assets per employee ($millions) | 7.9544% | 542 |
| Cash dividends to net income (ytd only)* | 43.3671% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6234% | 6,111 |
| Loan loss allowance to noncurrent loans | 73.5978% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2872% | 4,883 |
| Noncurrent loans to loans | 0.8471% | 3,195 |
| Net loans and leases to total assets | 33.6907% | 6,051 |
| Net loans and leases to deposits | 39.7781% | 6,045 |
| Net loans and leases to core deposits | 49.3534% | 5,743 |
| Total domestic deposits to total assets | 84.6965% | 3,420 |
| Equity capital to assets | 14.6138% | 780 |
| Core capital (leverage) ratio | 14.1272% | 783 |
| Tier 1 risk-based capital ratio | 32.1912% | 423 |
| Total risk-based capital ratio | 32.6772% | 448 |
| Memoranda: | ||
| Average total assets | $484,570,800 | 1,377 |
| Average earning assets | $461,005,200 | 1,328 |
| Average equity | $71,643,800 | 1,023 |
| Average total loans | $168,871,000 | 2,332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6411% | 5,032 |
| Cost of funding earning assets | 0.2753% | 5,150 |
| Net interest margin | 3.3658% | 4,372 |
| Noninterest income to average assets | 0.5019% | 3,536 |
| Noninterest expense to average assets | 1.6043% | 6,281 |
| Loan and lease loss provision to assets | 0.0446% | 3,504 |
| Net operating income to assets | 1.4904% | 959 |
| Return on assets (ROA) | 1.4904% | 987 |
| Pretax return on assets | 2.0522% | 508 |
| Return on Equity (ROE) | 10.0492% | 2,197 |
| Retained earnings to average equity (ytd only) | 7.4523% | 1,594 |
| Net charge-offs to loans | 0.0595% | 3,356 |
| Credit loss provision to net charge-offs | 213.3333% | 1,205 |
| Earnings coverage of net charge-offs (x) | 100.3175% | 587 |
| Efficiency ratio | 43.3476% | 6,383 |
| Assets per employee ($millions) | 7.5611% | 627 |
| Cash dividends to net income (ytd only)* | 25.8414% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5725% | 6,258 |
| Loan loss allowance to noncurrent loans | 59.1541% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 4,907 |
| Noncurrent loans to loans | 0.9678% | 3,147 |
| Net loans and leases to total assets | 35.1365% | 6,063 |
| Net loans and leases to deposits | 45.7285% | 5,883 |
| Net loans and leases to core deposits | 55.9015% | 5,455 |
| Total domestic deposits to total assets | 76.8372% | 5,701 |
| Equity capital to assets | 15.1780% | 697 |
| Core capital (leverage) ratio | 14.6680% | 680 |
| Tier 1 risk-based capital ratio | 33.5778% | 402 |
| Total risk-based capital ratio | 34.0369% | 409 |
| Memoranda: | ||
| Average total assets | $478,443,250 | 1,407 |
| Average earning assets | $454,760,000 | 1,360 |
| Average equity | $70,955,750 | 1,035 |
| Average total loans | $167,941,500 | 2,360 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6261% | 5,081 |
| Cost of funding earning assets | 0.2914% | 5,060 |
| Net interest margin | 3.3347% | 4,453 |
| Noninterest income to average assets | 0.4939% | 3,518 |
| Noninterest expense to average assets | 1.6071% | 6,352 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4934% | 884 |
| Return on assets (ROA) | 1.4934% | 914 |
| Pretax return on assets | 2.0557% | 482 |
| Return on Equity (ROE) | 10.1504% | 2,081 |
| Retained earnings to average equity (ytd only) | 7.5237% | 1,512 |
| Net charge-offs to loans | 0.0491% | 3,264 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 119.4878% | 487 |
| Efficiency ratio | 43.8767% | 6,425 |
| Assets per employee ($millions) | 7.2419% | 712 |
| Cash dividends to net income (ytd only)* | 25.8781% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5096% | 6,400 |
| Loan loss allowance to noncurrent loans | 85.8149% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,515 |
| Noncurrent loans to loans | 0.5939% | 4,244 |
| Net loans and leases to total assets | 33.8155% | 6,159 |
| Net loans and leases to deposits | 42.4818% | 6,051 |
| Net loans and leases to core deposits | 56.3641% | 5,385 |
| Total domestic deposits to total assets | 79.5998% | 5,330 |
| Equity capital to assets | 14.7119% | 772 |
| Core capital (leverage) ratio | 14.4245% | 724 |
| Tier 1 risk-based capital ratio | 32.8777% | 414 |
| Total risk-based capital ratio | 33.2767% | 435 |
| Memoranda: | ||
| Average total assets | $476,621,000 | 1,402 |
| Average earning assets | $452,939,670 | 1,360 |
| Average equity | $70,125,000 | 1,040 |
| Average total loans | $166,919,330 | 2,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6398% | 5,036 |
| Cost of funding earning assets | 0.3241% | 4,805 |
| Net interest margin | 3.3156% | 4,473 |
| Noninterest income to average assets | 0.5001% | 3,408 |
| Noninterest expense to average assets | 1.6147% | 6,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4841% | 845 |
| Return on assets (ROA) | 1.4841% | 873 |
| Pretax return on assets | 2.0371% | 494 |
| Return on Equity (ROE) | 10.0866% | 2,005 |
| Retained earnings to average equity (ytd only) | 7.4127% | 1,851 |
| Net charge-offs to loans | -0.0768% | 6,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2159% | 6,492 |
| Assets per employee ($millions) | 6.8013% | 884 |
| Cash dividends to net income (ytd only)* | 26.5095% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5567% | 6,454 |
| Loan loss allowance to noncurrent loans | 84.3494% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 5,206 |
| Noncurrent loans to loans | 0.6600% | 4,215 |
| Net loans and leases to total assets | 35.2833% | 6,108 |
| Net loans and leases to deposits | 41.6867% | 6,091 |
| Net loans and leases to core deposits | 58.1903% | 5,187 |
| Total domestic deposits to total assets | 84.6393% | 4,025 |
| Equity capital to assets | 14.8148% | 710 |
| Core capital (leverage) ratio | 14.6409% | 666 |
| Tier 1 risk-based capital ratio | 33.2497% | 405 |
| Total risk-based capital ratio | 33.6970% | 422 |
| Memoranda: | ||
| Average total assets | $468,705,500 | 1,433 |
| Average earning assets | $445,525,000 | 1,388 |
| Average equity | $68,963,000 | 1,055 |
| Average total loans | $166,690,000 | 2,376 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7113% | 5,097 |
| Cost of funding earning assets | 0.4058% | 4,584 |
| Net interest margin | 3.3056% | 4,647 |
| Noninterest income to average assets | 0.5555% | 3,366 |
| Noninterest expense to average assets | 1.8961% | 6,191 |
| Loan and lease loss provision to assets | 0.0943% | 3,238 |
| Net operating income to assets | 1.2606% | 1,361 |
| Return on assets (ROA) | 1.2606% | 1,416 |
| Pretax return on assets | 1.7033% | 943 |
| Return on Equity (ROE) | 8.3370% | 2,866 |
| Retained earnings to average equity (ytd only) | 7.4705% | 1,246 |
| Net charge-offs to loans | 0.1985% | 2,879 |
| Credit loss provision to net charge-offs | 133.3333% | 1,758 |
| Earnings coverage of net charge-offs (x) | 25.4074% | 1,330 |
| Efficiency ratio | 51.3331% | 6,344 |
| Assets per employee ($millions) | 6.5933% | 945 |
| Cash dividends to net income (ytd only)* | 10.3932% | 4,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5357% | 6,543 |
| Loan loss allowance to noncurrent loans | 74.6244% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2559% | 5,493 |
| Noncurrent loans to loans | 0.7179% | 4,167 |
| Net loans and leases to total assets | 35.4562% | 6,226 |
| Net loans and leases to deposits | 41.7890% | 6,238 |
| Net loans and leases to core deposits | 52.4477% | 5,762 |
| Total domestic deposits to total assets | 84.8457% | 3,832 |
| Equity capital to assets | 14.6119% | 757 |
| Core capital (leverage) ratio | 14.5501% | 680 |
| Tier 1 risk-based capital ratio | 32.6341% | 410 |
| Total risk-based capital ratio | 33.0654% | 432 |
| Memoranda: | ||
| Average total assets | $457,941,200 | 1,448 |
| Average earning assets | $434,747,800 | 1,400 |
| Average equity | $69,245,800 | 1,033 |
| Average total loans | $163,188,800 | 2,378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7132% | 5,127 |
| Cost of funding earning assets | 0.4286% | 4,517 |
| Net interest margin | 3.2846% | 4,697 |
| Noninterest income to average assets | 0.5700% | 3,331 |
| Noninterest expense to average assets | 1.7148% | 6,455 |
| Loan and lease loss provision to assets | 0.0837% | 3,387 |
| Net operating income to assets | 1.3784% | 1,152 |
| Return on assets (ROA) | 1.3784% | 1,194 |
| Pretax return on assets | 1.8922% | 721 |
| Return on Equity (ROE) | 9.0375% | 2,612 |
| Retained earnings to average equity (ytd only) | 9.0375% | 1,044 |
| Net charge-offs to loans | 0.0830% | 3,764 |
| Credit loss provision to net charge-offs | 283.1683% | 897 |
| Earnings coverage of net charge-offs (x) | 66.8234% | 687 |
| Efficiency ratio | 46.4620% | 6,571 |
| Assets per employee ($millions) | 6.3076% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5881% | 6,579 |
| Loan loss allowance to noncurrent loans | 85.4754% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 5,661 |
| Noncurrent loans to loans | 0.6881% | 4,475 |
| Net loans and leases to total assets | 36.6483% | 6,247 |
| Net loans and leases to deposits | 47.2649% | 6,016 |
| Net loans and leases to core deposits | 59.2167% | 5,357 |
| Total domestic deposits to total assets | 77.5381% | 5,967 |
| Equity capital to assets | 15.0834% | 699 |
| Core capital (leverage) ratio | 15.0667% | 626 |
| Tier 1 risk-based capital ratio | 33.8464% | 375 |
| Total risk-based capital ratio | 34.3357% | 388 |
| Memoranda: | ||
| Average total assets | $455,395,500 | 1,465 |
| Average earning assets | $432,678,250 | 1,412 |
| Average equity | $69,456,750 | 1,038 |
| Average total loans | $162,267,750 | 2,405 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 5,162 |
| Cost of funding earning assets | 0.4427% | 4,508 |
| Net interest margin | 3.2508% | 4,768 |
| Noninterest income to average assets | 0.5687% | 3,391 |
| Noninterest expense to average assets | 1.6811% | 6,516 |
| Loan and lease loss provision to assets | 0.1026% | 3,080 |
| Net operating income to assets | 1.3710% | 1,139 |
| Return on assets (ROA) | 1.3710% | 1,222 |
| Pretax return on assets | 1.8798% | 775 |
| Return on Equity (ROE) | 8.9567% | 2,626 |
| Retained earnings to average equity (ytd only) | 8.9567% | 1,135 |
| Net charge-offs to loans | 0.1029% | 3,331 |
| Credit loss provision to net charge-offs | 283.1325% | 906 |
| Earnings coverage of net charge-offs (x) | 54.6867% | 751 |
| Efficiency ratio | 45.8870% | 6,643 |
| Assets per employee ($millions) | 6.3443% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 6,644 |
| Loan loss allowance to noncurrent loans | 183.7255% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 6,093 |
| Noncurrent loans to loans | 0.3105% | 5,518 |
| Net loans and leases to total assets | 36.2547% | 6,283 |
| Net loans and leases to deposits | 45.8057% | 6,116 |
| Net loans and leases to core deposits | 60.8690% | 5,186 |
| Total domestic deposits to total assets | 79.1489% | 5,783 |
| Equity capital to assets | 15.6014% | 603 |
| Core capital (leverage) ratio | 14.4736% | 709 |
| Tier 1 risk-based capital ratio | 33.4004% | 394 |
| Total risk-based capital ratio | 33.8774% | 409 |
| Memoranda: | ||
| Average total assets | $457,914,670 | 1,456 |
| Average earning assets | $435,951,330 | 1,404 |
| Average equity | $70,092,670 | 1,031 |
| Average total loans | $161,325,000 | 2,421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6939% | 5,189 |
| Cost of funding earning assets | 0.4655% | 4,421 |
| Net interest margin | 3.2285% | 4,810 |
| Noninterest income to average assets | 0.5623% | 3,357 |
| Noninterest expense to average assets | 1.6775% | 6,591 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4245% | 991 |
| Return on assets (ROA) | 1.4245% | 1,075 |
| Pretax return on assets | 1.9617% | 634 |
| Return on Equity (ROE) | 9.3942% | 2,321 |
| Retained earnings to average equity (ytd only) | 9.3942% | 1,271 |
| Net charge-offs to loans | -0.0425% | 6,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0952% | 6,689 |
| Assets per employee ($millions) | 6.5269% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5043% | 6,785 |
| Loan loss allowance to noncurrent loans | 120.2399% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,082 |
| Noncurrent loans to loans | 0.4194% | 5,372 |
| Net loans and leases to total assets | 34.6356% | 6,383 |
| Net loans and leases to deposits | 41.5049% | 6,349 |
| Net loans and leases to core deposits | 57.8328% | 5,357 |
| Total domestic deposits to total assets | 83.4494% | 4,691 |
| Equity capital to assets | 15.3654% | 666 |
| Core capital (leverage) ratio | 13.8914% | 827 |
| Tier 1 risk-based capital ratio | 33.2114% | 407 |
| Total risk-based capital ratio | 33.6269% | 428 |
| Memoranda: | ||
| Average total assets | $461,649,000 | 1,452 |
| Average earning assets | $439,963,000 | 1,404 |
| Average equity | $70,001,000 | 1,038 |
| Average total loans | $159,865,000 | 2,448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 5,589 |
| Cost of funding earning assets | 0.4902% | 5,287 |
| Net interest margin | 3.4032% | 4,871 |
| Noninterest income to average assets | 0.5599% | 3,509 |
| Noninterest expense to average assets | 2.0914% | 6,147 |
| Loan and lease loss provision to assets | 0.0374% | 5,413 |
| Net operating income to assets | 1.2362% | 1,488 |
| Return on assets (ROA) | 1.3068% | 1,421 |
| Pretax return on assets | 1.7682% | 979 |
| Return on Equity (ROE) | 8.6813% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.3854% | 2,454 |
| Net charge-offs to loans | 0.1307% | 4,366 |
| Credit loss provision to net charge-offs | 83.2512% | 3,725 |
| Earnings coverage of net charge-offs (x) | 38.0345% | 843 |
| Efficiency ratio | 55.0137% | 6,169 |
| Assets per employee ($millions) | 7.0669% | 745 |
| Cash dividends to net income (ytd only)* | 37.9661% | 2,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4892% | 6,844 |
| Loan loss allowance to noncurrent loans | 213.5870% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 6,342 |
| Noncurrent loans to loans | 0.2290% | 5,907 |
| Net loans and leases to total assets | 34.2823% | 6,534 |
| Net loans and leases to deposits | 40.8749% | 6,512 |
| Net loans and leases to core deposits | 55.5613% | 5,747 |
| Total domestic deposits to total assets | 83.8712% | 4,375 |
| Equity capital to assets | 14.9653% | 744 |
| Core capital (leverage) ratio | 13.7144% | 880 |
| Tier 1 risk-based capital ratio | 31.7410% | 442 |
| Total risk-based capital ratio | 32.1404% | 464 |
| Memoranda: | ||
| Average total assets | $451,473,800 | 1,464 |
| Average earning assets | $430,036,400 | 1,402 |
| Average equity | $67,962,000 | 1,034 |
| Average total loans | $155,333,400 | 2,499 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 5,633 |
| Cost of funding earning assets | 0.4961% | 5,456 |
| Net interest margin | 3.4646% | 4,787 |
| Noninterest income to average assets | 0.5572% | 3,558 |
| Noninterest expense to average assets | 1.7370% | 6,752 |
| Loan and lease loss provision to assets | 0.0205% | 5,537 |
| Net operating income to assets | 1.5387% | 961 |
| Return on assets (ROA) | 1.5387% | 1,067 |
| Pretax return on assets | 2.1003% | 574 |
| Return on Equity (ROE) | 10.2058% | 2,252 |
| Retained earnings to average equity (ytd only) | 8.5071% | 1,407 |
| Net charge-offs to loans | 0.1316% | 4,066 |
| Credit loss provision to net charge-offs | 45.3947% | 4,507 |
| Earnings coverage of net charge-offs (x) | 46.8556% | 787 |
| Efficiency ratio | 45.0251% | 6,864 |
| Assets per employee ($millions) | 6.5645% | 919 |
| Cash dividends to net income (ytd only)* | 16.6441% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 6,973 |
| Loan loss allowance to noncurrent loans | 179.7561% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 6,446 |
| Noncurrent loans to loans | 0.2583% | 5,973 |
| Net loans and leases to total assets | 35.9224% | 6,555 |
| Net loans and leases to deposits | 46.0177% | 6,383 |
| Net loans and leases to core deposits | 58.5368% | 5,701 |
| Total domestic deposits to total assets | 78.0621% | 6,062 |
| Equity capital to assets | 16.0073% | 607 |
| Core capital (leverage) ratio | 14.3848% | 735 |
| Tier 1 risk-based capital ratio | 35.0995% | 355 |
| Total risk-based capital ratio | 35.5094% | 373 |
| Memoranda: | ||
| Average total assets | $447,739,000 | 1,491 |
| Average earning assets | $426,549,750 | 1,429 |
| Average equity | $67,502,500 | 1,047 |
| Average total loans | $153,996,000 | 2,542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 5,697 |
| Cost of funding earning assets | 0.5186% | 5,495 |
| Net interest margin | 3.4647% | 4,819 |
| Noninterest income to average assets | 0.5529% | 3,567 |
| Noninterest expense to average assets | 1.7061% | 6,835 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5711% | 879 |
| Return on assets (ROA) | 1.5711% | 988 |
| Pretax return on assets | 2.1489% | 525 |
| Return on Equity (ROE) | 10.6350% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.0499% | 1,619 |
| Net charge-offs to loans | 0.1404% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 45.2243% | 795 |
| Efficiency ratio | 44.2576% | 6,945 |
| Assets per employee ($millions) | 7.1398% | 689 |
| Cash dividends to net income (ytd only)* | 24.3075% | 2,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4582% | 7,044 |
| Loan loss allowance to noncurrent loans | 161.8182% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 6,499 |
| Noncurrent loans to loans | 0.2832% | 6,006 |
| Net loans and leases to total assets | 34.3846% | 6,710 |
| Net loans and leases to deposits | 42.8819% | 6,609 |
| Net loans and leases to core deposits | 53.7106% | 6,111 |
| Total domestic deposits to total assets | 80.1845% | 5,695 |
| Equity capital to assets | 15.1947% | 736 |
| Core capital (leverage) ratio | 13.6417% | 922 |
| Tier 1 risk-based capital ratio | 33.5949% | 385 |
| Total risk-based capital ratio | 33.9839% | 405 |
| Memoranda: | ||
| Average total assets | $450,377,670 | 1,479 |
| Average earning assets | $429,237,330 | 1,425 |
| Average equity | $66,535,330 | 1,053 |
| Average total loans | $152,417,330 | 2,576 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 5,778 |
| Cost of funding earning assets | 0.5451% | 5,527 |
| Net interest margin | 3.4484% | 4,919 |
| Noninterest income to average assets | 0.5716% | 3,410 |
| Noninterest expense to average assets | 1.7397% | 6,862 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5542% | 936 |
| Return on assets (ROA) | 1.5542% | 1,048 |
| Pretax return on assets | 2.1222% | 611 |
| Return on Equity (ROE) | 10.6720% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.2341% | 1,890 |
| Net charge-offs to loans | 0.0954% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 66.4167% | 503 |
| Efficiency ratio | 45.0471% | 6,949 |
| Assets per employee ($millions) | 6.4830% | 991 |
| Cash dividends to net income (ytd only)* | 22.8441% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5187% | 7,053 |
| Loan loss allowance to noncurrent loans | 261.8729% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 6,675 |
| Noncurrent loans to loans | 0.1981% | 6,286 |
| Net loans and leases to total assets | 33.5729% | 6,762 |
| Net loans and leases to deposits | 39.8068% | 6,746 |
| Net loans and leases to core deposits | 52.0333% | 6,199 |
| Total domestic deposits to total assets | 84.3397% | 4,351 |
| Equity capital to assets | 14.7807% | 788 |
| Core capital (leverage) ratio | 13.3465% | 1,004 |
| Tier 1 risk-based capital ratio | 33.6903% | 374 |
| Total risk-based capital ratio | 34.1288% | 391 |
| Memoranda: | ||
| Average total assets | $450,662,000 | 1,482 |
| Average earning assets | $429,991,000 | 1,423 |
| Average equity | $65,629,500 | 1,071 |
| Average total loans | $150,937,500 | 2,618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 6,207 |
| Cost of funding earning assets | 0.6285% | 5,934 |
| Net interest margin | 3.5101% | 5,103 |
| Noninterest income to average assets | 0.5283% | 3,662 |
| Noninterest expense to average assets | 1.8205% | 6,933 |
| Loan and lease loss provision to assets | 0.0192% | 6,328 |
| Net operating income to assets | 1.4981% | 827 |
| Return on assets (ROA) | 1.4980% | 904 |
| Pretax return on assets | 2.0350% | 495 |
| Return on Equity (ROE) | 10.7144% | 1,797 |
| Retained earnings to average equity (ytd only) | 7.0750% | 1,464 |
| Net charge-offs to loans | 0.0463% | 5,843 |
| Credit loss provision to net charge-offs | 123.1884% | 2,561 |
| Earnings coverage of net charge-offs (x) | 131.7246% | 252 |
| Efficiency ratio | 46.9813% | 7,001 |
| Assets per employee ($millions) | 6.7761% | 826 |
| Cash dividends to net income (ytd only)* | 33.9671% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 7,070 |
| Loan loss allowance to noncurrent loans | 228.7709% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 6,665 |
| Noncurrent loans to loans | 0.2372% | 6,263 |
| Net loans and leases to total assets | 33.0602% | 6,907 |
| Net loans and leases to deposits | 39.1153% | 6,920 |
| Net loans and leases to core deposits | 51.6211% | 6,447 |
| Total domestic deposits to total assets | 84.5199% | 4,082 |
| Equity capital to assets | 14.3484% | 950 |
| Core capital (leverage) ratio | 13.0835% | 1,109 |
| Tier 1 risk-based capital ratio | 32.3063% | 417 |
| Total risk-based capital ratio | 32.7563% | 440 |
| Memoranda: | ||
| Average total assets | $442,399,000 | 1,476 |
| Average earning assets | $421,806,000 | 1,425 |
| Average equity | $61,851,400 | 1,090 |
| Average total loans | $149,140,200 | 2,654 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 6,246 |
| Cost of funding earning assets | 0.6515% | 6,025 |
| Net interest margin | 3.5326% | 5,049 |
| Noninterest income to average assets | 0.5276% | 3,674 |
| Noninterest expense to average assets | 1.6667% | 7,128 |
| Loan and lease loss provision to assets | 0.0379% | 5,964 |
| Net operating income to assets | 1.6023% | 773 |
| Return on assets (ROA) | 1.6021% | 842 |
| Pretax return on assets | 2.1897% | 435 |
| Return on Equity (ROE) | 11.5374% | 1,674 |
| Retained earnings to average equity (ytd only) | 8.5859% | 1,285 |
| Net charge-offs to loans | -0.0036% | 6,693 |
| Credit loss provision to net charge-offs | -3,125.0000% | 6,865 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7948% | 7,184 |
| Assets per employee ($millions) | 6.4316% | 979 |
| Cash dividends to net income (ytd only)* | 25.5823% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6269% | 7,052 |
| Loan loss allowance to noncurrent loans | 300.6452% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 6,775 |
| Noncurrent loans to loans | 0.2085% | 6,458 |
| Net loans and leases to total assets | 34.2846% | 6,938 |
| Net loans and leases to deposits | 43.1962% | 6,871 |
| Net loans and leases to core deposits | 52.7063% | 6,530 |
| Total domestic deposits to total assets | 79.3693% | 5,894 |
| Equity capital to assets | 15.0797% | 839 |
| Core capital (leverage) ratio | 13.3909% | 1,079 |
| Tier 1 risk-based capital ratio | 33.7173% | 393 |
| Total risk-based capital ratio | 34.2558% | 414 |
| Memoranda: | ||
| Average total assets | $439,499,750 | 1,495 |
| Average earning assets | $418,907,750 | 1,445 |
| Average equity | $61,029,000 | 1,110 |
| Average total loans | $148,697,500 | 2,680 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 6,370 |
| Cost of funding earning assets | 0.6831% | 6,053 |
| Net interest margin | 3.4759% | 5,270 |
| Noninterest income to average assets | 0.5407% | 3,551 |
| Noninterest expense to average assets | 1.6575% | 7,221 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6101% | 719 |
| Return on assets (ROA) | 1.6105% | 762 |
| Pretax return on assets | 2.2036% | 407 |
| Return on Equity (ROE) | 11.9307% | 1,514 |
| Retained earnings to average equity (ytd only) | 8.9128% | 1,140 |
| Net charge-offs to loans | -0.0309% | 6,927 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9324% | 7,273 |
| Assets per employee ($millions) | 6.5554% | 908 |
| Cash dividends to net income (ytd only)* | 25.2948% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5495% | 7,196 |
| Loan loss allowance to noncurrent loans | 218.5185% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 6,742 |
| Noncurrent loans to loans | 0.2515% | 6,418 |
| Net loans and leases to total assets | 34.0375% | 7,042 |
| Net loans and leases to deposits | 41.4946% | 7,012 |
| Net loans and leases to core deposits | 56.0529% | 6,411 |
| Total domestic deposits to total assets | 82.0286% | 5,154 |
| Equity capital to assets | 14.1515% | 1,045 |
| Core capital (leverage) ratio | 13.0125% | 1,159 |
| Tier 1 risk-based capital ratio | 32.2206% | 443 |
| Total risk-based capital ratio | 32.6868% | 470 |
| Memoranda: | ||
| Average total assets | $442,360,670 | 1,498 |
| Average earning assets | $422,515,000 | 1,445 |
| Average equity | $59,711,670 | 1,120 |
| Average total loans | $148,706,670 | 2,705 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1354% | 6,430 |
| Cost of funding earning assets | 0.7112% | 6,074 |
| Net interest margin | 3.4242% | 5,326 |
| Noninterest income to average assets | 0.5316% | 3,636 |
| Noninterest expense to average assets | 1.6399% | 7,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5924% | 705 |
| Return on assets (ROA) | 1.5930% | 749 |
| Pretax return on assets | 2.1634% | 420 |
| Return on Equity (ROE) | 12.0910% | 1,435 |
| Retained earnings to average equity (ytd only) | 8.9383% | 1,402 |
| Net charge-offs to loans | -0.1217% | 7,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1280% | 7,314 |
| Assets per employee ($millions) | 6.3276% | 1,018 |
| Cash dividends to net income (ytd only)* | 26.0747% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5745% | 7,230 |
| Loan loss allowance to noncurrent loans | 530.0000% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 6,939 |
| Noncurrent loans to loans | 0.1084% | 6,780 |
| Net loans and leases to total assets | 33.1317% | 7,120 |
| Net loans and leases to deposits | 38.5560% | 7,151 |
| Net loans and leases to core deposits | 57.8755% | 6,270 |
| Total domestic deposits to total assets | 85.9313% | 3,559 |
| Equity capital to assets | 13.4620% | 1,203 |
| Core capital (leverage) ratio | 12.5158% | 1,317 |
| Tier 1 risk-based capital ratio | 31.6387% | 453 |
| Total risk-based capital ratio | 32.1201% | 472 |
| Memoranda: | ||
| Average total assets | $443,936,000 | 1,508 |
| Average earning assets | $424,045,500 | 1,452 |
| Average equity | $58,490,000 | 1,134 |
| Average total loans | $147,899,000 | 2,743 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 6,244 |
| Cost of funding earning assets | 0.8374% | 6,411 |
| Net interest margin | 3.7151% | 4,287 |
| Noninterest income to average assets | 0.5624% | 3,726 |
| Noninterest expense to average assets | 1.9071% | 7,151 |
| Loan and lease loss provision to assets | 0.0479% | 6,681 |
| Net operating income to assets | 1.5517% | 685 |
| Return on assets (ROA) | 1.5085% | 812 |
| Pretax return on assets | 2.0760% | 408 |
| Return on Equity (ROE) | 10.7853% | 1,651 |
| Retained earnings to average equity (ytd only) | 8.9496% | 719 |
| Net charge-offs to loans | 0.1734% | 5,283 |
| Credit loss provision to net charge-offs | 79.6748% | 5,572 |
| Earnings coverage of net charge-offs (x) | 36.2927% | 629 |
| Efficiency ratio | 46.6252% | 7,331 |
| Assets per employee ($millions) | 6.2667% | 1,051 |
| Cash dividends to net income (ytd only)* | 17.0206% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5418% | 7,325 |
| Loan loss allowance to noncurrent loans | 292.0000% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 7,037 |
| Noncurrent loans to loans | 0.1856% | 6,699 |
| Net loans and leases to total assets | 33.1272% | 7,253 |
| Net loans and leases to deposits | 38.1648% | 7,300 |
| Net loans and leases to core deposits | 58.3615% | 6,529 |
| Total domestic deposits to total assets | 86.8004% | 2,928 |
| Equity capital to assets | 12.8899% | 1,444 |
| Core capital (leverage) ratio | 12.5207% | 1,306 |
| Tier 1 risk-based capital ratio | 30.4950% | 491 |
| Total risk-based capital ratio | 30.9449% | 509 |
| Memoranda: | ||
| Average total assets | $408,953,600 | 1,615 |
| Average earning assets | $388,332,200 | 1,554 |
| Average equity | $57,198,000 | 1,160 |
| Average total loans | $141,899,600 | 2,908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7076% | 5,990 |
| Cost of funding earning assets | 0.8699% | 6,506 |
| Net interest margin | 3.8377% | 3,806 |
| Noninterest income to average assets | 0.5690% | 3,656 |
| Noninterest expense to average assets | 1.7448% | 7,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8115% | 487 |
| Return on assets (ROA) | 1.7555% | 608 |
| Pretax return on assets | 2.3855% | 277 |
| Return on Equity (ROE) | 12.2835% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.9336% | 469 |
| Net charge-offs to loans | 0.0399% | 6,155 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 175.7813% | 187 |
| Efficiency ratio | 41.4837% | 7,542 |
| Assets per employee ($millions) | 5.7413% | 1,431 |
| Cash dividends to net income (ytd only)* | 2.8485% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5620% | 7,400 |
| Loan loss allowance to noncurrent loans | 112.3269% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 6,838 |
| Noncurrent loans to loans | 0.5003% | 6,198 |
| Net loans and leases to total assets | 37.3066% | 7,214 |
| Net loans and leases to deposits | 44.6032% | 7,218 |
| Net loans and leases to core deposits | 54.8917% | 6,917 |
| Total domestic deposits to total assets | 83.6409% | 4,301 |
| Equity capital to assets | 15.6720% | 737 |
| Core capital (leverage) ratio | 13.7629% | 974 |
| Tier 1 risk-based capital ratio | 32.3953% | 421 |
| Total risk-based capital ratio | 32.8781% | 439 |
| Memoranda: | ||
| Average total assets | $399,957,750 | 1,676 |
| Average earning assets | $379,035,250 | 1,610 |
| Average equity | $57,159,500 | 1,165 |
| Average total loans | $140,325,000 | 2,975 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7104% | 6,111 |
| Cost of funding earning assets | 0.8993% | 6,583 |
| Net interest margin | 3.8110% | 3,844 |
| Noninterest income to average assets | 0.5723% | 3,528 |
| Noninterest expense to average assets | 1.7696% | 7,427 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7454% | 532 |
| Return on assets (ROA) | 1.7454% | 585 |
| Pretax return on assets | 2.4120% | 277 |
| Return on Equity (ROE) | 12.5985% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.5985% | 425 |
| Net charge-offs to loans | -0.0130% | 7,230 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3190% | 7,573 |
| Assets per employee ($millions) | 5.7912% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5995% | 7,416 |
| Loan loss allowance to noncurrent loans | 159.3346% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 6,990 |
| Noncurrent loans to loans | 0.3763% | 6,487 |
| Net loans and leases to total assets | 35.7644% | 7,359 |
| Net loans and leases to deposits | 42.0287% | 7,392 |
| Net loans and leases to core deposits | 56.1478% | 6,933 |
| Total domestic deposits to total assets | 85.0952% | 3,578 |
| Equity capital to assets | 14.4666% | 1,023 |
| Core capital (leverage) ratio | 12.9297% | 1,233 |
| Tier 1 risk-based capital ratio | 32.2778% | 415 |
| Total risk-based capital ratio | 32.8056% | 429 |
| Memoranda: | ||
| Average total assets | $405,054,670 | 1,675 |
| Average earning assets | $383,621,330 | 1,615 |
| Average equity | $56,117,670 | 1,175 |
| Average total loans | $138,994,330 | 3,037 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 6,234 |
| Cost of funding earning assets | 0.9167% | 6,704 |
| Net interest margin | 3.7853% | 3,851 |
| Noninterest income to average assets | 0.5601% | 3,561 |
| Noninterest expense to average assets | 1.7127% | 7,565 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7539% | 550 |
| Return on assets (ROA) | 1.7539% | 600 |
| Pretax return on assets | 2.4238% | 282 |
| Return on Equity (ROE) | 12.9395% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.9395% | 628 |
| Net charge-offs to loans | -0.1142% | 7,546 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4038% | 7,695 |
| Assets per employee ($millions) | 6.2672% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 7,437 |
| Loan loss allowance to noncurrent loans | 516.1850% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 7,319 |
| Noncurrent loans to loans | 0.1247% | 7,097 |
| Net loans and leases to total assets | 33.8360% | 7,499 |
| Net loans and leases to deposits | 39.3860% | 7,537 |
| Net loans and leases to core deposits | 58.1709% | 6,868 |
| Total domestic deposits to total assets | 85.9087% | 3,205 |
| Equity capital to assets | 13.7913% | 1,210 |
| Core capital (leverage) ratio | 12.4556% | 1,425 |
| Tier 1 risk-based capital ratio | 31.2199% | 464 |
| Total risk-based capital ratio | 31.7666% | 485 |
| Memoranda: | ||
| Average total assets | $407,784,000 | 1,706 |
| Average earning assets | $385,283,500 | 1,645 |
| Average equity | $55,272,500 | 1,206 |
| Average total loans | $136,604,000 | 3,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0945% | 6,108 |
| Cost of funding earning assets | 1.3469% | 6,155 |
| Net interest margin | 3.7476% | 3,921 |
| Noninterest income to average assets | 0.6186% | 3,501 |
| Noninterest expense to average assets | 2.0044% | 7,365 |
| Loan and lease loss provision to assets | 0.1989% | 5,747 |
| Net operating income to assets | 1.4648% | 727 |
| Return on assets (ROA) | 1.4980% | 729 |
| Pretax return on assets | 1.9667% | 431 |
| Return on Equity (ROE) | 11.7837% | 1,215 |
| Retained earnings to average equity (ytd only) | 11.2368% | 272 |
| Net charge-offs to loans | 0.2017% | 5,380 |
| Credit loss provision to net charge-offs | 312.3016% | 1,048 |
| Earnings coverage of net charge-offs (x) | 33.3095% | 699 |
| Efficiency ratio | 48.5756% | 7,602 |
| Assets per employee ($millions) | 6.5839% | 956 |
| Cash dividends to net income (ytd only)* | 4.6406% | 3,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6350% | 7,503 |
| Loan loss allowance to noncurrent loans | 418.6275% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 7,316 |
| Noncurrent loans to loans | 0.1517% | 7,050 |
| Net loans and leases to total assets | 32.7349% | 7,633 |
| Net loans and leases to deposits | 37.8778% | 7,683 |
| Net loans and leases to core deposits | 63.2730% | 7,131 |
| Total domestic deposits to total assets | 86.4224% | 2,809 |
| Equity capital to assets | 13.3179% | 1,389 |
| Core capital (leverage) ratio | 12.2297% | 1,563 |
| Tier 1 risk-based capital ratio | 29.8342% | 532 |
| Total risk-based capital ratio | 30.3520% | 559 |
| Memoranda: | ||
| Average total assets | $395,589,000 | 1,737 |
| Average earning assets | $370,259,800 | 1,703 |
| Average equity | $50,290,000 | 1,335 |
| Average total loans | $124,963,000 | 3,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 5,919 |
| Cost of funding earning assets | 1.4530% | 6,024 |
| Net interest margin | 3.7369% | 3,924 |
| Noninterest income to average assets | 0.6078% | 3,631 |
| Noninterest expense to average assets | 1.9206% | 7,512 |
| Loan and lease loss provision to assets | 0.0200% | 7,155 |
| Net operating income to assets | 1.5789% | 688 |
| Return on assets (ROA) | 1.6332% | 674 |
| Pretax return on assets | 2.2349% | 322 |
| Return on Equity (ROE) | 13.0079% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.2637% | 321 |
| Net charge-offs to loans | -0.0261% | 7,785 |
| Credit loss provision to net charge-offs | -245.8333% | 7,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8312% | 7,732 |
| Assets per employee ($millions) | 5.5139% | 1,605 |
| Cash dividends to net income (ytd only)* | 5.7209% | 3,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3107% | 7,902 |
| Loan loss allowance to noncurrent loans | 100.7538% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 7,273 |
| Noncurrent loans to loans | 0.3084% | 6,749 |
| Net loans and leases to total assets | 34.3130% | 7,679 |
| Net loans and leases to deposits | 41.6621% | 7,684 |
| Net loans and leases to core deposits | 64.9211% | 7,206 |
| Total domestic deposits to total assets | 82.3602% | 4,517 |
| Equity capital to assets | 14.1985% | 1,238 |
| Core capital (leverage) ratio | 12.5620% | 1,556 |
| Tier 1 risk-based capital ratio | 30.7880% | 528 |
| Total risk-based capital ratio | 31.0445% | 563 |
| Memoranda: | ||
| Average total assets | $392,435,500 | 1,768 |
| Average earning assets | $366,856,000 | 1,732 |
| Average equity | $49,271,500 | 1,386 |
| Average total loans | $122,584,000 | 3,458 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 6,051 |
| Cost of funding earning assets | 1.5462% | 5,941 |
| Net interest margin | 3.6618% | 4,108 |
| Noninterest income to average assets | 0.5961% | 3,729 |
| Noninterest expense to average assets | 1.9259% | 7,592 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5326% | 780 |
| Return on assets (ROA) | 1.5326% | 836 |
| Pretax return on assets | 2.0871% | 448 |
| Return on Equity (ROE) | 12.7300% | 1,237 |
| Retained earnings to average equity (ytd only) | 11.5830% | 493 |
| Net charge-offs to loans | -0.0465% | 7,834 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9915% | 7,757 |
| Assets per employee ($millions) | 6.0757% | 1,176 |
| Cash dividends to net income (ytd only)* | 9.0105% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2826% | 8,001 |
| Loan loss allowance to noncurrent loans | 62.0072% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 0.1471% | 7,195 |
| Noncurrent loans to loans | 0.4558% | 6,381 |
| Net loans and leases to total assets | 31.3952% | 7,861 |
| Net loans and leases to deposits | 37.3170% | 7,879 |
| Net loans and leases to core deposits | 60.0264% | 7,452 |
| Total domestic deposits to total assets | 84.1311% | 3,691 |
| Equity capital to assets | 12.8767% | 1,753 |
| Core capital (leverage) ratio | 11.5653% | 2,052 |
| Tier 1 risk-based capital ratio | 28.9991% | 669 |
| Total risk-based capital ratio | 29.2170% | 702 |
| Memoranda: | ||
| Average total assets | $398,264,670 | 1,765 |
| Average earning assets | $371,624,670 | 1,735 |
| Average equity | $47,949,670 | 1,436 |
| Average total loans | $120,426,330 | 3,525 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 6,461 |
| Cost of funding earning assets | 1.6173% | 5,957 |
| Net interest margin | 3.5394% | 4,568 |
| Noninterest income to average assets | 0.5906% | 3,620 |
| Noninterest expense to average assets | 1.8383% | 7,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5137% | 915 |
| Return on assets (ROA) | 1.5137% | 984 |
| Pretax return on assets | 2.0498% | 603 |
| Return on Equity (ROE) | 13.0093% | 1,385 |
| Retained earnings to average equity (ytd only) | 13.0093% | 639 |
| Net charge-offs to loans | -0.0804% | 7,827 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2811% | 7,769 |
| Assets per employee ($millions) | 6.4173% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2791% | 8,047 |
| Loan loss allowance to noncurrent loans | 52.6154% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 7,065 |
| Noncurrent loans to loans | 0.5305% | 6,095 |
| Net loans and leases to total assets | 30.2246% | 7,913 |
| Net loans and leases to deposits | 34.6169% | 7,976 |
| Net loans and leases to core deposits | 56.2238% | 7,610 |
| Total domestic deposits to total assets | 87.3115% | 2,062 |
| Equity capital to assets | 11.8906% | 2,333 |
| Core capital (leverage) ratio | 11.1426% | 2,381 |
| Tier 1 risk-based capital ratio | 27.2049% | 807 |
| Total risk-based capital ratio | 27.4128% | 859 |
| Memoranda: | ||
| Average total assets | $402,975,500 | 1,742 |
| Average earning assets | $375,435,500 | 1,728 |
| Average equity | $46,889,500 | 1,471 |
| Average total loans | $119,427,500 | 3,574 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 7,480 |
| Cost of funding earning assets | 1.9360% | 6,625 |
| Net interest margin | 3.4502% | 5,466 |
| Noninterest income to average assets | 0.6788% | 3,260 |
| Noninterest expense to average assets | 1.9055% | 7,604 |
| Loan and lease loss provision to assets | 0.0011% | 7,330 |
| Net operating income to assets | 1.3515% | 1,340 |
| Return on assets (ROA) | -2.9286% | 7,780 |
| Pretax return on assets | -4.6913% | 7,989 |
| Return on Equity (ROE) | -22.3032% | 7,806 |
| Retained earnings to average equity (ytd only) | -24.1059% | 7,786 |
| Net charge-offs to loans | 0.0063% | 6,874 |
| Credit loss provision to net charge-offs | 57.1429% | 6,262 |
| Earnings coverage of net charge-offs (x) | 1,036.7143% | 44 |
| Efficiency ratio | 48.8223% | 7,748 |
| Assets per employee ($millions) | 6.0858% | 1,096 |
| Cash dividends to net income (ytd only)* | -8.0827% | 7,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2734% | 8,107 |
| Loan loss allowance to noncurrent loans | 68.0942% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 7,099 |
| Noncurrent loans to loans | 0.4015% | 6,145 |
| Net loans and leases to total assets | 28.8801% | 8,020 |
| Net loans and leases to deposits | 33.2498% | 8,075 |
| Net loans and leases to core deposits | 50.3005% | 7,882 |
| Total domestic deposits to total assets | 86.8579% | 2,001 |
| Equity capital to assets | 11.3794% | 2,720 |
| Core capital (leverage) ratio | 11.2853% | 2,380 |
| Tier 1 risk-based capital ratio | 26.6492% | 851 |
| Total risk-based capital ratio | 26.8453% | 911 |
| Memoranda: | ||
| Average total assets | $363,309,000 | 1,844 |
| Average earning assets | $339,521,000 | 1,814 |
| Average equity | $47,706,200 | 1,435 |
| Average total loans | $111,568,800 | 3,646 |