Home > First State Bank of Blakely > Performance and Condition Ratios
First State Bank of Blakely, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3507% | 273 |
| Cost of funding earning assets | 2.1271% | 1,924 |
| Net interest margin | 5.2236% | 249 |
| Noninterest income to average assets | 0.4000% | 2,453 |
| Noninterest expense to average assets | 2.5634% | 2,126 |
| Loan and lease loss provision to assets | 0.3700% | 307 |
| Net operating income to assets | 1.8636% | 501 |
| Return on assets (ROA) | 1.8636% | 497 |
| Pretax return on assets | 2.3861% | 344 |
| Return on Equity (ROE) | 10.7600% | 1,963 |
| Retained earnings to average equity (ytd only) | 9.8317% | 613 |
| Net charge-offs to loans | 0.1183% | 1,052 |
| Credit loss provision to net charge-offs | 463.1683% | 675 |
| Earnings coverage of net charge-offs (x) | 34.4020% | 1,442 |
| Efficiency ratio | 48.1774% | 4,076 |
| Assets per employee ($millions) | 6.3580% | 2,611 |
| Cash dividends to net income (ytd only)* | 8.6357% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 730 |
| Loan loss allowance to noncurrent loans | 367.8458% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 1,897 |
| Noncurrent loans to loans | 0.4473% | 1,951 |
| Net loans and leases to total assets | 62.9800% | 2,670 |
| Net loans and leases to deposits | 78.3431% | 2,261 |
| Net loans and leases to core deposits | 98.8575% | 1,525 |
| Total domestic deposits to total assets | 80.3900% | 3,507 |
| Equity capital to assets | 17.2870% | 380 |
| Core capital (leverage) ratio | 17.2526% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $630,061,600 | 1,476 |
| Average earning assets | $593,917,400 | 1,446 |
| Average equity | $109,116,800 | 946 |
| Average total loans | $426,909,600 | 1,466 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3862% | 265 |
| Cost of funding earning assets | 2.0752% | 2,035 |
| Net interest margin | 5.3110% | 230 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 2.5187% | 2,193 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 2.0143% | 423 |
| Return on assets (ROA) | 2.0143% | 425 |
| Pretax return on assets | 2.6237% | 286 |
| Return on Equity (ROE) | 11.6300% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.9687% | 653 |
| Net charge-offs to loans | 0.1029% | 975 |
| Credit loss provision to net charge-offs | 224.2424% | 1,014 |
| Earnings coverage of net charge-offs (x) | 39.3485% | 1,351 |
| Efficiency ratio | 47.5141% | 4,106 |
| Assets per employee ($millions) | 6.1108% | 2,781 |
| Cash dividends to net income (ytd only)* | 5.6483% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,079 |
| Loan loss allowance to noncurrent loans | 340.2701% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 888 |
| Noncurrent loans to loans | 0.3605% | 2,193 |
| Net loans and leases to total assets | 68.9100% | 1,973 |
| Net loans and leases to deposits | 85.9026% | 1,651 |
| Net loans and leases to core deposits | 109.5027% | 959 |
| Total domestic deposits to total assets | 80.2200% | 3,432 |
| Equity capital to assets | 17.3707% | 382 |
| Core capital (leverage) ratio | 17.3439% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $622,268,250 | 1,476 |
| Average earning assets | $586,270,250 | 1,457 |
| Average equity | $107,819,000 | 947 |
| Average total loans | $427,779,000 | 1,454 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2815% | 278 |
| Cost of funding earning assets | 1.9841% | 2,153 |
| Net interest margin | 5.2974% | 231 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 2.5205% | 2,183 |
| Loan and lease loss provision to assets | 0.1500% | 771 |
| Net operating income to assets | 2.0193% | 425 |
| Return on assets (ROA) | 2.0193% | 423 |
| Pretax return on assets | 2.6319% | 285 |
| Return on Equity (ROE) | 11.6600% | 1,706 |
| Retained earnings to average equity (ytd only) | 10.6652% | 751 |
| Net charge-offs to loans | 0.0381% | 1,422 |
| Credit loss provision to net charge-offs | 575.0000% | 579 |
| Earnings coverage of net charge-offs (x) | 106.7125% | 748 |
| Efficiency ratio | 47.5356% | 4,126 |
| Assets per employee ($millions) | 6.0065% | 2,797 |
| Cash dividends to net income (ytd only)* | 8.5687% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,016 |
| Loan loss allowance to noncurrent loans | 226.1280% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9527% | 642 |
| Noncurrent loans to loans | 0.5504% | 1,634 |
| Net loans and leases to total assets | 70.0200% | 1,898 |
| Net loans and leases to deposits | 87.4175% | 1,531 |
| Net loans and leases to core deposits | 107.3771% | 1,084 |
| Total domestic deposits to total assets | 80.1000% | 3,429 |
| Equity capital to assets | 17.4603% | 368 |
| Core capital (leverage) ratio | 17.3384% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $613,774,333 | 1,494 |
| Average earning assets | $579,300,667 | 1,470 |
| Average equity | $106,252,333 | 951 |
| Average total loans | $419,731,000 | 1,476 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1814% | 283 |
| Cost of funding earning assets | 1.9430% | 2,140 |
| Net interest margin | 5.2384% | 248 |
| Noninterest income to average assets | 0.3100% | 2,877 |
| Noninterest expense to average assets | 2.5066% | 2,232 |
| Loan and lease loss provision to assets | 0.1400% | 749 |
| Net operating income to assets | 1.9963% | 444 |
| Return on assets (ROA) | 1.9963% | 453 |
| Pretax return on assets | 2.6118% | 307 |
| Return on Equity (ROE) | 11.5800% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.5830% | 815 |
| Net charge-offs to loans | 0.0274% | 1,308 |
| Credit loss provision to net charge-offs | 750.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 149.3571% | 515 |
| Efficiency ratio | 47.6858% | 4,117 |
| Assets per employee ($millions) | 5.9564% | 2,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 1,934 |
| Loan loss allowance to noncurrent loans | 339.6166% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 808 |
| Noncurrent loans to loans | 0.3720% | 2,016 |
| Net loans and leases to total assets | 67.0600% | 2,116 |
| Net loans and leases to deposits | 83.5595% | 1,751 |
| Net loans and leases to core deposits | 98.7929% | 1,479 |
| Total domestic deposits to total assets | 80.2600% | 3,487 |
| Equity capital to assets | 17.1737% | 386 |
| Core capital (leverage) ratio | 17.1788% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $608,324,500 | 1,505 |
| Average earning assets | $574,988,500 | 1,485 |
| Average equity | $104,843,500 | 957 |
| Average total loans | $408,130,500 | 1,496 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4497% | 371 |
| Cost of funding earning assets | 1.3563% | 2,341 |
| Net interest margin | 5.0934% | 283 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.5462% | 2,165 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.8883% | 535 |
| Return on assets (ROA) | 1.8883% | 517 |
| Pretax return on assets | 2.4230% | 368 |
| Return on Equity (ROE) | 11.3700% | 2,132 |
| Retained earnings to average equity (ytd only) | 10.6502% | 867 |
| Net charge-offs to loans | 0.1034% | 885 |
| Credit loss provision to net charge-offs | 195.5556% | 1,239 |
| Earnings coverage of net charge-offs (x) | 37.2691% | 1,491 |
| Efficiency ratio | 49.8921% | 3,987 |
| Assets per employee ($millions) | 5.9127% | 2,888 |
| Cash dividends to net income (ytd only)* | 6.3251% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 1,777 |
| Loan loss allowance to noncurrent loans | 102.5779% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 597 |
| Noncurrent loans to loans | 1.2652% | 562 |
| Net loans and leases to total assets | 65.3700% | 2,325 |
| Net loans and leases to deposits | 83.1776% | 1,843 |
| Net loans and leases to core deposits | 98.5671% | 1,516 |
| Total domestic deposits to total assets | 78.5900% | 3,662 |
| Equity capital to assets | 17.2982% | 373 |
| Core capital (leverage) ratio | 17.2102% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $590,258,200 | 1,500 |
| Average earning assets | $558,076,200 | 1,473 |
| Average equity | $98,035,800 | 958 |
| Average total loans | $391,564,000 | 1,498 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2680% | 378 |
| Cost of funding earning assets | 1.1954% | 2,445 |
| Net interest margin | 5.0726% | 288 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.4839% | 2,288 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 1.8860% | 574 |
| Return on assets (ROA) | 1.8860% | 564 |
| Pretax return on assets | 2.4519% | 404 |
| Return on Equity (ROE) | 11.4800% | 2,257 |
| Retained earnings to average equity (ytd only) | 11.2005% | 1,128 |
| Net charge-offs to loans | 0.1352% | 599 |
| Credit loss provision to net charge-offs | 156.0606% | 1,295 |
| Earnings coverage of net charge-offs (x) | 28.8914% | 1,611 |
| Efficiency ratio | 48.9355% | 3,986 |
| Assets per employee ($millions) | 5.9076% | 2,829 |
| Cash dividends to net income (ytd only)* | 2.4024% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 2,328 |
| Loan loss allowance to noncurrent loans | 103.0278% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8165% | 678 |
| Noncurrent loans to loans | 1.1700% | 671 |
| Net loans and leases to total assets | 68.2400% | 2,020 |
| Net loans and leases to deposits | 85.9458% | 1,582 |
| Net loans and leases to core deposits | 102.5314% | 1,182 |
| Total domestic deposits to total assets | 79.4000% | 3,622 |
| Equity capital to assets | 16.8781% | 403 |
| Core capital (leverage) ratio | 16.7874% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $588,527,000 | 1,511 |
| Average earning assets | $556,441,000 | 1,476 |
| Average equity | $96,719,250 | 967 |
| Average total loans | $390,575,500 | 1,495 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0870% | 400 |
| Cost of funding earning assets | 1.0114% | 2,568 |
| Net interest margin | 5.0756% | 282 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 2.4547% | 2,334 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.9324% | 529 |
| Return on assets (ROA) | 1.9324% | 525 |
| Pretax return on assets | 2.5175% | 348 |
| Return on Equity (ROE) | 11.8700% | 2,191 |
| Retained earnings to average equity (ytd only) | 11.4477% | 1,089 |
| Net charge-offs to loans | 0.0543% | 979 |
| Credit loss provision to net charge-offs | 288.4615% | 880 |
| Earnings coverage of net charge-offs (x) | 73.7885% | 1,089 |
| Efficiency ratio | 48.3719% | 4,039 |
| Assets per employee ($millions) | 5.7378% | 2,938 |
| Cash dividends to net income (ytd only)* | 3.5336% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,224 |
| Loan loss allowance to noncurrent loans | 94.8752% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 0.8902% | 553 |
| Noncurrent loans to loans | 1.3080% | 541 |
| Net loans and leases to total assets | 67.2200% | 2,041 |
| Net loans and leases to deposits | 84.4540% | 1,629 |
| Net loans and leases to core deposits | 100.2766% | 1,221 |
| Total domestic deposits to total assets | 79.5900% | 3,633 |
| Equity capital to assets | 16.7469% | 398 |
| Core capital (leverage) ratio | 16.6431% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $585,813,667 | 1,512 |
| Average earning assets | $554,491,667 | 1,484 |
| Average equity | $95,390,333 | 974 |
| Average total loans | $383,384,333 | 1,502 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8734% | 373 |
| Cost of funding earning assets | 0.8553% | 2,523 |
| Net interest margin | 5.0181% | 295 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.3989% | 2,534 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.9458% | 537 |
| Return on assets (ROA) | 1.9458% | 529 |
| Pretax return on assets | 2.5477% | 339 |
| Return on Equity (ROE) | 12.1200% | 2,187 |
| Retained earnings to average equity (ytd only) | 11.6965% | 1,320 |
| Net charge-offs to loans | 0.0330% | 1,056 |
| Credit loss provision to net charge-offs | 483.8710% | 563 |
| Earnings coverage of net charge-offs (x) | 125.2581% | 686 |
| Efficiency ratio | 47.5128% | 4,117 |
| Assets per employee ($millions) | 5.7537% | 2,975 |
| Cash dividends to net income (ytd only)* | 3.5075% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,145 |
| Loan loss allowance to noncurrent loans | 608.8861% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 1,756 |
| Noncurrent loans to loans | 0.2097% | 2,425 |
| Net loans and leases to total assets | 64.1100% | 2,239 |
| Net loans and leases to deposits | 80.9437% | 1,752 |
| Net loans and leases to core deposits | 93.4420% | 1,427 |
| Total domestic deposits to total assets | 79.2000% | 3,878 |
| Equity capital to assets | 16.2637% | 382 |
| Core capital (leverage) ratio | 15.9689% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $586,092,500 | 1,535 |
| Average earning assets | $554,635,500 | 1,506 |
| Average equity | $94,079,500 | 994 |
| Average total loans | $375,910,000 | 1,539 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2641% | 1,129 |
| Cost of funding earning assets | 0.3723% | 2,310 |
| Net interest margin | 3.8917% | 971 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.2770% | 2,812 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2839% | 1,492 |
| Return on assets (ROA) | 1.2839% | 1,446 |
| Pretax return on assets | 1.6407% | 1,057 |
| Return on Equity (ROE) | 8.4800% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.4617% | 2,046 |
| Net charge-offs to loans | 0.0466% | 1,223 |
| Credit loss provision to net charge-offs | 41.4201% | 1,853 |
| Earnings coverage of net charge-offs (x) | 57.6864% | 1,282 |
| Efficiency ratio | 57.9458% | 3,347 |
| Assets per employee ($millions) | 5.9725% | 2,791 |
| Cash dividends to net income (ytd only)* | 12.0280% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,329 |
| Loan loss allowance to noncurrent loans | 567.4242% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 1,730 |
| Noncurrent loans to loans | 0.2136% | 2,421 |
| Net loans and leases to total assets | 62.5700% | 2,374 |
| Net loans and leases to deposits | 78.4561% | 1,901 |
| Net loans and leases to core deposits | 89.7998% | 1,513 |
| Total domestic deposits to total assets | 79.7500% | 3,915 |
| Equity capital to assets | 15.8397% | 400 |
| Core capital (leverage) ratio | 15.7587% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $589,942,400 | 1,512 |
| Average earning assets | $554,636,200 | 1,494 |
| Average equity | $89,296,000 | 1,042 |
| Average total loans | $362,808,000 | 1,506 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 1,289 |
| Cost of funding earning assets | 0.3135% | 2,024 |
| Net interest margin | 3.6736% | 1,209 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.2590% | 2,760 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.1452% | 1,911 |
| Return on assets (ROA) | 1.1452% | 1,884 |
| Pretax return on assets | 1.4634% | 1,520 |
| Return on Equity (ROE) | 7.6500% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.9678% | 2,370 |
| Net charge-offs to loans | 0.0207% | 1,418 |
| Credit loss provision to net charge-offs | 44.6429% | 1,544 |
| Earnings coverage of net charge-offs (x) | 116.3036% | 863 |
| Efficiency ratio | 60.5941% | 3,040 |
| Assets per employee ($millions) | 5.9966% | 2,763 |
| Cash dividends to net income (ytd only)* | 8.9620% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 2,673 |
| Loan loss allowance to noncurrent loans | 72.7824% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.2495% | 313 |
| Noncurrent loans to loans | 1.6137% | 420 |
| Net loans and leases to total assets | 67.3800% | 1,743 |
| Net loans and leases to deposits | 84.7694% | 1,252 |
| Net loans and leases to core deposits | 96.1483% | 992 |
| Total domestic deposits to total assets | 79.4900% | 4,143 |
| Equity capital to assets | 15.8839% | 378 |
| Core capital (leverage) ratio | 15.3567% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $591,100,750 | 1,511 |
| Average earning assets | $555,043,000 | 1,497 |
| Average equity | $88,442,250 | 1,062 |
| Average total loans | $360,832,500 | 1,506 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 1,784 |
| Cost of funding earning assets | 0.3108% | 1,612 |
| Net interest margin | 3.3065% | 1,890 |
| Noninterest income to average assets | 0.3052% | 3,335 |
| Noninterest expense to average assets | 2.2118% | 2,813 |
| Loan and lease loss provision to assets | 0.0084% | 2,442 |
| Net operating income to assets | 0.9431% | 2,386 |
| Return on assets (ROA) | 0.9431% | 2,363 |
| Pretax return on assets | 1.1938% | 2,096 |
| Return on Equity (ROE) | 6.4288% | 3,464 |
| Retained earnings to average equity (ytd only) | 5.3919% | 2,558 |
| Net charge-offs to loans | 0.0301% | 1,127 |
| Credit loss provision to net charge-offs | 47.1698% | 1,508 |
| Earnings coverage of net charge-offs (x) | 67.8491% | 1,019 |
| Efficiency ratio | 64.7865% | 2,667 |
| Assets per employee ($millions) | 6.1356% | 2,627 |
| Cash dividends to net income (ytd only)* | 16.1290% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 2,563 |
| Loan loss allowance to noncurrent loans | 58.6384% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 247 |
| Noncurrent loans to loans | 2.0885% | 305 |
| Net loans and leases to total assets | 61.2330% | 2,194 |
| Net loans and leases to deposits | 75.5738% | 1,719 |
| Net loans and leases to core deposits | 85.5681% | 1,368 |
| Total domestic deposits to total assets | 81.0241% | 4,130 |
| Equity capital to assets | 14.7176% | 435 |
| Core capital (leverage) ratio | 14.4352% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,242,000 | 1,496 |
| Average earning assets | $562,465,667 | 1,489 |
| Average equity | $87,760,667 | 1,076 |
| Average total loans | $351,638,667 | 1,529 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5605% | 1,622 |
| Cost of funding earning assets | 0.3444% | 1,252 |
| Net interest margin | 3.2161% | 1,830 |
| Noninterest income to average assets | 0.3258% | 3,152 |
| Noninterest expense to average assets | 2.1464% | 2,992 |
| Loan and lease loss provision to assets | 0.0168% | 2,052 |
| Net operating income to assets | 0.9331% | 2,143 |
| Return on assets (ROA) | 0.9331% | 2,136 |
| Pretax return on assets | 1.1858% | 1,852 |
| Return on Equity (ROE) | 6.3712% | 3,228 |
| Retained earnings to average equity (ytd only) | 6.3712% | 2,118 |
| Net charge-offs to loans | 0.0375% | 914 |
| Credit loss provision to net charge-offs | 78.1250% | 1,115 |
| Earnings coverage of net charge-offs (x) | 56.0625% | 881 |
| Efficiency ratio | 64.0913% | 3,013 |
| Assets per employee ($millions) | 6.3468% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,321 |
| Loan loss allowance to noncurrent loans | 227.7061% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 1,211 |
| Noncurrent loans to loans | 0.5743% | 1,607 |
| Net loans and leases to total assets | 56.8057% | 2,439 |
| Net loans and leases to deposits | 69.7545% | 1,988 |
| Net loans and leases to core deposits | 78.2111% | 1,599 |
| Total domestic deposits to total assets | 81.4366% | 4,153 |
| Equity capital to assets | 14.4185% | 461 |
| Core capital (leverage) ratio | 14.2203% | 549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $596,720,500 | 1,511 |
| Average earning assets | $560,927,000 | 1,500 |
| Average equity | $87,393,500 | 1,113 |
| Average total loans | $341,083,000 | 1,548 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 1,021 |
| Cost of funding earning assets | 0.4195% | 1,396 |
| Net interest margin | 3.7625% | 1,080 |
| Noninterest income to average assets | 0.3713% | 3,209 |
| Noninterest expense to average assets | 2.3156% | 2,751 |
| Loan and lease loss provision to assets | 0.0950% | 1,317 |
| Net operating income to assets | 1.1513% | 2,103 |
| Return on assets (ROA) | 1.1513% | 2,164 |
| Pretax return on assets | 1.4693% | 1,818 |
| Return on Equity (ROE) | 7.4627% | 3,387 |
| Retained earnings to average equity (ytd only) | 5.8810% | 2,413 |
| Net charge-offs to loans | 0.1768% | 547 |
| Credit loss provision to net charge-offs | 82.9384% | 1,935 |
| Earnings coverage of net charge-offs (x) | 13.6524% | 2,069 |
| Efficiency ratio | 59.6809% | 3,201 |
| Assets per employee ($millions) | 6.0311% | 2,736 |
| Cash dividends to net income (ytd only)* | 21.1950% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 1,985 |
| Loan loss allowance to noncurrent loans | 232.1013% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9029% | 650 |
| Noncurrent loans to loans | 0.5958% | 1,649 |
| Net loans and leases to total assets | 55.8760% | 2,634 |
| Net loans and leases to deposits | 69.2554% | 2,199 |
| Net loans and leases to core deposits | 78.6069% | 1,713 |
| Total domestic deposits to total assets | 80.6811% | 4,147 |
| Equity capital to assets | 14.9708% | 496 |
| Core capital (leverage) ratio | 14.7973% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,428,200 | 1,569 |
| Average earning assets | $515,163,000 | 1,558 |
| Average equity | $85,223,600 | 1,147 |
| Average total loans | $358,114,200 | 1,496 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 1,037 |
| Cost of funding earning assets | 0.4343% | 1,458 |
| Net interest margin | 3.8102% | 1,092 |
| Noninterest income to average assets | 0.3883% | 3,162 |
| Noninterest expense to average assets | 2.3436% | 2,621 |
| Loan and lease loss provision to assets | 0.1102% | 1,099 |
| Net operating income to assets | 1.1516% | 2,360 |
| Return on assets (ROA) | 1.1516% | 2,418 |
| Pretax return on assets | 1.4850% | 2,037 |
| Return on Equity (ROE) | 7.4058% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.0021% | 2,819 |
| Net charge-offs to loans | 0.1462% | 562 |
| Credit loss provision to net charge-offs | 112.5000% | 1,495 |
| Earnings coverage of net charge-offs (x) | 16.2800% | 1,839 |
| Efficiency ratio | 59.5000% | 3,067 |
| Assets per employee ($millions) | 5.6114% | 3,088 |
| Cash dividends to net income (ytd only)* | 18.9534% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,728 |
| Loan loss allowance to noncurrent loans | 96.7755% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 472 |
| Noncurrent loans to loans | 1.2920% | 845 |
| Net loans and leases to total assets | 66.7397% | 1,459 |
| Net loans and leases to deposits | 83.4806% | 1,000 |
| Net loans and leases to core deposits | 95.7799% | 756 |
| Total domestic deposits to total assets | 79.9463% | 4,233 |
| Equity capital to assets | 15.4187% | 479 |
| Core capital (leverage) ratio | 15.3366% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $544,282,000 | 1,595 |
| Average earning assets | $507,182,500 | 1,594 |
| Average equity | $84,634,250 | 1,172 |
| Average total loans | $364,776,250 | 1,504 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1971% | 1,194 |
| Cost of funding earning assets | 0.4543% | 1,493 |
| Net interest margin | 3.7427% | 1,235 |
| Noninterest income to average assets | 0.4389% | 2,912 |
| Noninterest expense to average assets | 2.3462% | 2,626 |
| Loan and lease loss provision to assets | 0.0928% | 1,347 |
| Net operating income to assets | 1.1495% | 2,369 |
| Return on assets (ROA) | 1.1495% | 2,429 |
| Pretax return on assets | 1.4866% | 2,059 |
| Return on Equity (ROE) | 7.3710% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.2497% | 3,097 |
| Net charge-offs to loans | 0.1261% | 617 |
| Credit loss provision to net charge-offs | 110.1322% | 1,307 |
| Earnings coverage of net charge-offs (x) | 18.7401% | 1,558 |
| Efficiency ratio | 59.7654% | 3,044 |
| Assets per employee ($millions) | 5.4704% | 3,161 |
| Cash dividends to net income (ytd only)* | 28.7791% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,595 |
| Loan loss allowance to noncurrent loans | 93.8308% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 497 |
| Noncurrent loans to loans | 1.3517% | 864 |
| Net loans and leases to total assets | 67.7720% | 1,476 |
| Net loans and leases to deposits | 83.7765% | 1,081 |
| Net loans and leases to core deposits | 96.5356% | 780 |
| Total domestic deposits to total assets | 80.8962% | 4,102 |
| Equity capital to assets | 15.6762% | 450 |
| Core capital (leverage) ratio | 15.3222% | 437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $538,661,667 | 1,604 |
| Average earning assets | $501,824,667 | 1,601 |
| Average equity | $84,005,333 | 1,173 |
| Average total loans | $359,952,667 | 1,522 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 1,216 |
| Cost of funding earning assets | 0.4941% | 1,425 |
| Net interest margin | 3.6960% | 1,339 |
| Noninterest income to average assets | 0.5495% | 2,409 |
| Noninterest expense to average assets | 2.2673% | 2,886 |
| Loan and lease loss provision to assets | 0.1117% | 1,242 |
| Net operating income to assets | 1.2293% | 2,046 |
| Return on assets (ROA) | 1.2293% | 2,129 |
| Pretax return on assets | 1.6128% | 1,687 |
| Return on Equity (ROE) | 7.9034% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.9034% | 2,274 |
| Net charge-offs to loans | 0.0813% | 789 |
| Credit loss provision to net charge-offs | 208.3333% | 875 |
| Earnings coverage of net charge-offs (x) | 32.1667% | 1,066 |
| Efficiency ratio | 56.7991% | 3,455 |
| Assets per employee ($millions) | 5.6364% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,252 |
| Loan loss allowance to noncurrent loans | 82.9565% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 458 |
| Noncurrent loans to loans | 1.6159% | 754 |
| Net loans and leases to total assets | 64.2103% | 2,015 |
| Net loans and leases to deposits | 80.0216% | 1,524 |
| Net loans and leases to core deposits | 90.3473% | 1,207 |
| Total domestic deposits to total assets | 80.2411% | 4,172 |
| Equity capital to assets | 15.4304% | 448 |
| Core capital (leverage) ratio | 15.3817% | 431 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,206,000 | 1,591 |
| Average earning assets | $500,329,500 | 1,587 |
| Average equity | $83,559,000 | 1,165 |
| Average total loans | $354,054,000 | 1,548 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 819 |
| Cost of funding earning assets | 0.8513% | 1,018 |
| Net interest margin | 3.8940% | 1,226 |
| Noninterest income to average assets | 0.3229% | 3,527 |
| Noninterest expense to average assets | 2.3490% | 3,275 |
| Loan and lease loss provision to assets | 0.3970% | 800 |
| Net operating income to assets | 0.9629% | 2,429 |
| Return on assets (ROA) | 0.9629% | 2,577 |
| Pretax return on assets | 1.2035% | 2,310 |
| Return on Equity (ROE) | 6.2917% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.5564% | 2,021 |
| Net charge-offs to loans | 0.6289% | 238 |
| Credit loss provision to net charge-offs | 90.4948% | 2,931 |
| Earnings coverage of net charge-offs (x) | 3.6484% | 3,064 |
| Efficiency ratio | 59.4755% | 3,521 |
| Assets per employee ($millions) | 5.6740% | 2,658 |
| Cash dividends to net income (ytd only)* | 11.6868% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,266 |
| Loan loss allowance to noncurrent loans | 71.5571% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.7331% | 370 |
| Noncurrent loans to loans | 1.8613% | 652 |
| Net loans and leases to total assets | 65.8710% | 2,111 |
| Net loans and leases to deposits | 82.4816% | 1,601 |
| Net loans and leases to core deposits | 98.4445% | 990 |
| Total domestic deposits to total assets | 79.8615% | 4,067 |
| Equity capital to assets | 15.6828% | 465 |
| Core capital (leverage) ratio | 15.0773% | 499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $525,197,200 | 1,479 |
| Average earning assets | $489,133,400 | 1,479 |
| Average equity | $80,375,200 | 1,155 |
| Average total loans | $366,341,800 | 1,461 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 792 |
| Cost of funding earning assets | 0.9250% | 979 |
| Net interest margin | 3.9370% | 1,265 |
| Noninterest income to average assets | 0.3162% | 3,597 |
| Noninterest expense to average assets | 2.4090% | 3,106 |
| Loan and lease loss provision to assets | 0.5237% | 547 |
| Net operating income to assets | 0.8593% | 2,865 |
| Return on assets (ROA) | 0.8593% | 3,000 |
| Pretax return on assets | 1.0520% | 2,901 |
| Return on Equity (ROE) | 5.6504% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.9267% | 2,589 |
| Net charge-offs to loans | 0.7700% | 178 |
| Credit loss provision to net charge-offs | 96.4419% | 2,658 |
| Earnings coverage of net charge-offs (x) | 2.9022% | 2,952 |
| Efficiency ratio | 47.7196% | 4,627 |
| Assets per employee ($millions) | 5.7982% | 2,453 |
| Cash dividends to net income (ytd only)* | 12.8069% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 2,404 |
| Loan loss allowance to noncurrent loans | 69.5183% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 429 |
| Noncurrent loans to loans | 1.7947% | 737 |
| Net loans and leases to total assets | 70.2157% | 1,915 |
| Net loans and leases to deposits | 89.0895% | 1,359 |
| Net loans and leases to core deposits | 109.8794% | 708 |
| Total domestic deposits to total assets | 78.8149% | 4,083 |
| Equity capital to assets | 14.9057% | 657 |
| Core capital (leverage) ratio | 14.4761% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $524,576,500 | 1,467 |
| Average earning assets | $488,790,250 | 1,459 |
| Average equity | $79,780,250 | 1,153 |
| Average total loans | $369,857,250 | 1,443 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 952 |
| Cost of funding earning assets | 1.0092% | 963 |
| Net interest margin | 3.9039% | 1,557 |
| Noninterest income to average assets | 0.3264% | 3,511 |
| Noninterest expense to average assets | 2.4320% | 3,165 |
| Loan and lease loss provision to assets | 0.6316% | 484 |
| Net operating income to assets | 0.7583% | 3,189 |
| Return on assets (ROA) | 0.7583% | 3,304 |
| Pretax return on assets | 0.9043% | 3,302 |
| Return on Equity (ROE) | 4.9512% | 3,839 |
| Retained earnings to average equity (ytd only) | 3.8591% | 2,981 |
| Net charge-offs to loans | 0.9298% | 161 |
| Credit loss provision to net charge-offs | 96.6312% | 2,431 |
| Earnings coverage of net charge-offs (x) | 2.3499% | 2,784 |
| Efficiency ratio | 61.2928% | 3,237 |
| Assets per employee ($millions) | 5.7207% | 2,431 |
| Cash dividends to net income (ytd only)* | 22.0581% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,099 |
| Loan loss allowance to noncurrent loans | 54.3987% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.9717% | 370 |
| Noncurrent loans to loans | 2.3534% | 520 |
| Net loans and leases to total assets | 68.1558% | 2,324 |
| Net loans and leases to deposits | 86.0980% | 1,755 |
| Net loans and leases to core deposits | 106.3437% | 881 |
| Total domestic deposits to total assets | 79.1607% | 4,014 |
| Equity capital to assets | 14.5389% | 731 |
| Core capital (leverage) ratio | 14.4294% | 668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $517,757,667 | 1,465 |
| Average earning assets | $482,958,667 | 1,452 |
| Average equity | $79,293,333 | 1,150 |
| Average total loans | $363,965,000 | 1,448 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 677 |
| Cost of funding earning assets | 1.1064% | 1,025 |
| Net interest margin | 4.0803% | 1,176 |
| Noninterest income to average assets | 0.3673% | 3,315 |
| Noninterest expense to average assets | 2.4986% | 3,269 |
| Loan and lease loss provision to assets | 0.1115% | 2,287 |
| Net operating income to assets | 1.2421% | 1,400 |
| Return on assets (ROA) | 1.2421% | 1,503 |
| Pretax return on assets | 1.5624% | 1,150 |
| Return on Equity (ROE) | 7.8919% | 2,564 |
| Retained earnings to average equity (ytd only) | 7.8919% | 1,260 |
| Net charge-offs to loans | 0.2660% | 548 |
| Credit loss provision to net charge-offs | 59.0717% | 2,021 |
| Earnings coverage of net charge-offs (x) | 8.8650% | 1,845 |
| Efficiency ratio | 59.8816% | 3,754 |
| Assets per employee ($millions) | 4.9986% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 1,858 |
| Loan loss allowance to noncurrent loans | 57.0988% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 491 |
| Noncurrent loans to loans | 2.3829% | 516 |
| Net loans and leases to total assets | 70.5251% | 2,165 |
| Net loans and leases to deposits | 91.5936% | 1,332 |
| Net loans and leases to core deposits | 104.8347% | 1,128 |
| Total domestic deposits to total assets | 76.9978% | 4,349 |
| Equity capital to assets | 16.1327% | 562 |
| Core capital (leverage) ratio | 15.7973% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $502,045,000 | 1,459 |
| Average earning assets | $468,203,500 | 1,449 |
| Average equity | $79,017,500 | 1,150 |
| Average total loans | $356,370,500 | 1,433 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5244% | 538 |
| Cost of funding earning assets | 1.2481% | 900 |
| Net interest margin | 4.2762% | 1,149 |
| Noninterest income to average assets | 0.3567% | 3,566 |
| Noninterest expense to average assets | 2.3711% | 3,767 |
| Loan and lease loss provision to assets | 0.2397% | 787 |
| Net operating income to assets | 1.3940% | 1,360 |
| Return on assets (ROA) | 1.3940% | 1,434 |
| Pretax return on assets | 1.7701% | 1,019 |
| Return on Equity (ROE) | 9.3531% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.1973% | 912 |
| Net charge-offs to loans | 0.3341% | 621 |
| Credit loss provision to net charge-offs | 97.4131% | 2,545 |
| Earnings coverage of net charge-offs (x) | 8.1681% | 2,799 |
| Efficiency ratio | 54.1228% | 4,413 |
| Assets per employee ($millions) | 5.1438% | 2,404 |
| Cash dividends to net income (ytd only)* | 12.3573% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,635 |
| Loan loss allowance to noncurrent loans | 79.1586% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.3006% | 852 |
| Noncurrent loans to loans | 1.7285% | 794 |
| Net loans and leases to total assets | 69.5198% | 2,473 |
| Net loans and leases to deposits | 89.1549% | 1,682 |
| Net loans and leases to core deposits | 109.0293% | 912 |
| Total domestic deposits to total assets | 77.9764% | 4,361 |
| Equity capital to assets | 15.3567% | 722 |
| Core capital (leverage) ratio | 14.5318% | 794 |
| Tier 1 risk-based capital ratio | 21.4557% | 1,091 |
| Total risk-based capital ratio | 22.7070% | 1,068 |
| Memoranda: | ||
| Average total assets | $502,727,600 | 1,420 |
| Average earning assets | $473,103,000 | 1,409 |
| Average equity | $74,927,200 | 1,153 |
| Average total loans | $370,282,000 | 1,355 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 534 |
| Cost of funding earning assets | 1.2200% | 980 |
| Net interest margin | 4.3333% | 1,090 |
| Noninterest income to average assets | 0.3605% | 3,568 |
| Noninterest expense to average assets | 2.4215% | 3,627 |
| Loan and lease loss provision to assets | 0.2727% | 570 |
| Net operating income to assets | 1.3825% | 1,522 |
| Return on assets (ROA) | 1.3825% | 1,592 |
| Pretax return on assets | 1.7423% | 1,216 |
| Return on Equity (ROE) | 9.3482% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.5692% | 1,183 |
| Net charge-offs to loans | 0.3588% | 471 |
| Credit loss provision to net charge-offs | 102.0916% | 2,213 |
| Earnings coverage of net charge-offs (x) | 7.5428% | 2,733 |
| Efficiency ratio | 54.5820% | 4,327 |
| Assets per employee ($millions) | 5.2595% | 2,278 |
| Cash dividends to net income (ytd only)* | 8.3333% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,236 |
| Loan loss allowance to noncurrent loans | 74.1006% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.3048% | 929 |
| Noncurrent loans to loans | 1.6870% | 866 |
| Net loans and leases to total assets | 75.3121% | 1,601 |
| Net loans and leases to deposits | 95.8035% | 1,038 |
| Net loans and leases to core deposits | 123.8221% | 412 |
| Total domestic deposits to total assets | 78.6110% | 4,243 |
| Equity capital to assets | 14.7591% | 917 |
| Core capital (leverage) ratio | 14.4362% | 868 |
| Tier 1 risk-based capital ratio | 19.3480% | 1,491 |
| Total risk-based capital ratio | 20.5983% | 1,462 |
| Memoranda: | ||
| Average total assets | $501,101,500 | 1,429 |
| Average earning assets | $471,342,250 | 1,416 |
| Average equity | $74,108,750 | 1,162 |
| Average total loans | $373,120,500 | 1,356 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4902% | 580 |
| Cost of funding earning assets | 1.1371% | 1,174 |
| Net interest margin | 4.3532% | 1,034 |
| Noninterest income to average assets | 0.3579% | 3,536 |
| Noninterest expense to average assets | 2.4688% | 3,575 |
| Loan and lease loss provision to assets | 0.1921% | 913 |
| Net operating income to assets | 1.4101% | 1,407 |
| Return on assets (ROA) | 1.4101% | 1,457 |
| Pretax return on assets | 1.7951% | 1,044 |
| Return on Equity (ROE) | 9.5279% | 2,618 |
| Retained earnings to average equity (ytd only) | 8.3448% | 1,264 |
| Net charge-offs to loans | 0.1660% | 966 |
| Credit loss provision to net charge-offs | 156.7657% | 1,444 |
| Earnings coverage of net charge-offs (x) | 16.2178% | 1,941 |
| Efficiency ratio | 55.4043% | 4,326 |
| Assets per employee ($millions) | 5.5903% | 1,881 |
| Cash dividends to net income (ytd only)* | 12.4176% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3260% | 1,900 |
| Loan loss allowance to noncurrent loans | 66.4027% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4816% | 764 |
| Noncurrent loans to loans | 1.9969% | 718 |
| Net loans and leases to total assets | 73.2152% | 2,022 |
| Net loans and leases to deposits | 92.6655% | 1,416 |
| Net loans and leases to core deposits | 114.1129% | 777 |
| Total domestic deposits to total assets | 79.0102% | 4,222 |
| Equity capital to assets | 14.4302% | 970 |
| Core capital (leverage) ratio | 15.0955% | 687 |
| Tier 1 risk-based capital ratio | 19.2875% | 1,486 |
| Total risk-based capital ratio | 20.5386% | 1,454 |
| Memoranda: | ||
| Average total assets | $494,572,330 | 1,445 |
| Average earning assets | $465,590,670 | 1,431 |
| Average equity | $73,195,330 | 1,169 |
| Average total loans | $365,125,330 | 1,387 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5944% | 433 |
| Cost of funding earning assets | 1.1009% | 1,182 |
| Net interest margin | 4.4936% | 750 |
| Noninterest income to average assets | 0.3519% | 3,503 |
| Noninterest expense to average assets | 2.4453% | 3,640 |
| Loan and lease loss provision to assets | 0.1868% | 882 |
| Net operating income to assets | 1.4692% | 1,184 |
| Return on assets (ROA) | 1.4692% | 1,210 |
| Pretax return on assets | 1.9414% | 720 |
| Return on Equity (ROE) | 9.7950% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.7950% | 1,087 |
| Net charge-offs to loans | 0.0192% | 2,081 |
| Credit loss provision to net charge-offs | 1,323.5294% | 290 |
| Earnings coverage of net charge-offs (x) | 150.8235% | 503 |
| Efficiency ratio | 53.4664% | 4,582 |
| Assets per employee ($millions) | 5.1764% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 1,533 |
| Loan loss allowance to noncurrent loans | 78.7856% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.4293% | 860 |
| Noncurrent loans to loans | 1.8304% | 841 |
| Net loans and leases to total assets | 73.9214% | 1,824 |
| Net loans and leases to deposits | 94.2243% | 1,147 |
| Net loans and leases to core deposits | 103.3949% | 1,357 |
| Total domestic deposits to total assets | 78.4526% | 4,442 |
| Equity capital to assets | 15.3834% | 671 |
| Core capital (leverage) ratio | 15.0451% | 686 |
| Tier 1 risk-based capital ratio | 20.1986% | 1,308 |
| Total risk-based capital ratio | 21.4506% | 1,273 |
| Memoranda: | ||
| Average total assets | $481,911,000 | 1,487 |
| Average earning assets | $452,736,000 | 1,471 |
| Average equity | $72,282,000 | 1,178 |
| Average total loans | $354,809,500 | 1,421 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 562 |
| Cost of funding earning assets | 0.9857% | 801 |
| Net interest margin | 4.3336% | 1,083 |
| Noninterest income to average assets | 0.3917% | 3,485 |
| Noninterest expense to average assets | 2.2990% | 4,125 |
| Loan and lease loss provision to assets | 0.2132% | 861 |
| Net operating income to assets | 1.4949% | 1,135 |
| Return on assets (ROA) | 1.4949% | 1,117 |
| Pretax return on assets | 1.9485% | 626 |
| Return on Equity (ROE) | 10.7390% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.0960% | 828 |
| Net charge-offs to loans | 0.1176% | 1,573 |
| Credit loss provision to net charge-offs | 247.6303% | 1,202 |
| Earnings coverage of net charge-offs (x) | 25.1066% | 1,785 |
| Efficiency ratio | 51.5391% | 4,835 |
| Assets per employee ($millions) | 5.1878% | 2,277 |
| Cash dividends to net income (ytd only)* | 15.2996% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,528 |
| Loan loss allowance to noncurrent loans | 120.7823% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.9097% | 1,526 |
| Noncurrent loans to loans | 1.1824% | 1,358 |
| Net loans and leases to total assets | 71.2391% | 2,388 |
| Net loans and leases to deposits | 89.6934% | 1,833 |
| Net loans and leases to core deposits | 104.8999% | 1,352 |
| Total domestic deposits to total assets | 79.4252% | 4,230 |
| Equity capital to assets | 14.6269% | 801 |
| Core capital (leverage) ratio | 13.6464% | 1,025 |
| Tier 1 risk-based capital ratio | 20.4659% | 1,232 |
| Total risk-based capital ratio | 21.7183% | 1,206 |
| Memoranda: | ||
| Average total assets | $490,125,600 | 1,438 |
| Average earning assets | $460,199,800 | 1,413 |
| Average equity | $68,227,800 | 1,186 |
| Average total loans | $358,897,400 | 1,371 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 623 |
| Cost of funding earning assets | 0.8932% | 952 |
| Net interest margin | 4.3104% | 1,093 |
| Noninterest income to average assets | 0.3673% | 3,669 |
| Noninterest expense to average assets | 2.3235% | 4,044 |
| Loan and lease loss provision to assets | 0.1467% | 1,355 |
| Net operating income to assets | 1.4913% | 1,217 |
| Return on assets (ROA) | 1.4913% | 1,214 |
| Pretax return on assets | 1.9448% | 738 |
| Return on Equity (ROE) | 10.8498% | 2,235 |
| Retained earnings to average equity (ytd only) | 9.4899% | 1,048 |
| Net charge-offs to loans | 0.1165% | 1,341 |
| Credit loss provision to net charge-offs | 171.4286% | 1,555 |
| Earnings coverage of net charge-offs (x) | 24.4381% | 1,816 |
| Efficiency ratio | 52.6277% | 4,745 |
| Assets per employee ($millions) | 5.5146% | 1,904 |
| Cash dividends to net income (ytd only)* | 12.5342% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,603 |
| Loan loss allowance to noncurrent loans | 111.5792% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 1,713 |
| Noncurrent loans to loans | 1.0782% | 1,580 |
| Net loans and leases to total assets | 74.2156% | 1,945 |
| Net loans and leases to deposits | 93.7275% | 1,406 |
| Net loans and leases to core deposits | 122.7517% | 498 |
| Total domestic deposits to total assets | 79.1823% | 4,284 |
| Equity capital to assets | 13.5843% | 1,107 |
| Core capital (leverage) ratio | 13.4345% | 1,126 |
| Tier 1 risk-based capital ratio | 18.0788% | 1,768 |
| Total risk-based capital ratio | 19.2812% | 1,740 |
| Memoranda: | ||
| Average total assets | $490,744,750 | 1,437 |
| Average earning assets | $460,823,750 | 1,414 |
| Average equity | $67,452,750 | 1,198 |
| Average total loans | $360,514,250 | 1,366 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0336% | 761 |
| Cost of funding earning assets | 0.7642% | 1,310 |
| Net interest margin | 4.2694% | 1,109 |
| Noninterest income to average assets | 0.3608% | 3,739 |
| Noninterest expense to average assets | 2.3501% | 4,025 |
| Loan and lease loss provision to assets | 0.1303% | 1,523 |
| Net operating income to assets | 1.4593% | 1,255 |
| Return on assets (ROA) | 1.4593% | 1,254 |
| Pretax return on assets | 1.9025% | 766 |
| Return on Equity (ROE) | 10.5734% | 2,296 |
| Retained earnings to average equity (ytd only) | 8.5109% | 1,403 |
| Net charge-offs to loans | 0.0676% | 1,662 |
| Credit loss provision to net charge-offs | 264.7059% | 1,102 |
| Earnings coverage of net charge-offs (x) | 41.2857% | 1,265 |
| Efficiency ratio | 53.6203% | 4,732 |
| Assets per employee ($millions) | 5.6268% | 1,779 |
| Cash dividends to net income (ytd only)* | 19.5067% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,551 |
| Loan loss allowance to noncurrent loans | 102.6521% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 1,708 |
| Noncurrent loans to loans | 1.1987% | 1,453 |
| Net loans and leases to total assets | 72.2036% | 2,244 |
| Net loans and leases to deposits | 90.6999% | 1,749 |
| Net loans and leases to core deposits | 118.1019% | 623 |
| Total domestic deposits to total assets | 79.6071% | 4,331 |
| Equity capital to assets | 13.2484% | 1,209 |
| Core capital (leverage) ratio | 13.9755% | 913 |
| Tier 1 risk-based capital ratio | 18.6791% | 1,630 |
| Total risk-based capital ratio | 19.9292% | 1,596 |
| Memoranda: | ||
| Average total assets | $483,374,000 | 1,458 |
| Average earning assets | $455,378,330 | 1,433 |
| Average equity | $66,714,330 | 1,208 |
| Average total loans | $352,267,330 | 1,388 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0051% | 694 |
| Cost of funding earning assets | 0.6774% | 1,556 |
| Net interest margin | 4.3278% | 908 |
| Noninterest income to average assets | 0.3863% | 3,560 |
| Noninterest expense to average assets | 2.3981% | 3,951 |
| Loan and lease loss provision to assets | 0.1322% | 1,434 |
| Net operating income to assets | 1.4685% | 1,155 |
| Return on assets (ROA) | 1.4685% | 1,154 |
| Pretax return on assets | 1.9154% | 692 |
| Return on Equity (ROE) | 10.4122% | 2,223 |
| Retained earnings to average equity (ytd only) | 10.4122% | 1,039 |
| Net charge-offs to loans | 0.0492% | 1,611 |
| Credit loss provision to net charge-offs | 369.0476% | 719 |
| Earnings coverage of net charge-offs (x) | 57.1667% | 867 |
| Efficiency ratio | 53.9421% | 4,805 |
| Assets per employee ($millions) | 5.2334% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,256 |
| Loan loss allowance to noncurrent loans | 193.1255% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 2,856 |
| Noncurrent loans to loans | 0.6724% | 2,536 |
| Net loans and leases to total assets | 72.9877% | 2,026 |
| Net loans and leases to deposits | 93.9119% | 1,233 |
| Net loans and leases to core deposits | 105.8528% | 1,249 |
| Total domestic deposits to total assets | 77.7193% | 4,761 |
| Equity capital to assets | 14.1980% | 841 |
| Core capital (leverage) ratio | 13.9862% | 881 |
| Tier 1 risk-based capital ratio | 19.4985% | 1,437 |
| Total risk-based capital ratio | 20.7500% | 1,407 |
| Memoranda: | ||
| Average total assets | $469,040,500 | 1,515 |
| Average earning assets | $439,948,000 | 1,496 |
| Average equity | $66,153,000 | 1,220 |
| Average total loans | $341,242,000 | 1,443 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9106% | 776 |
| Cost of funding earning assets | 0.6640% | 1,224 |
| Net interest margin | 4.2466% | 1,092 |
| Noninterest income to average assets | 0.3840% | 3,737 |
| Noninterest expense to average assets | 2.3404% | 4,226 |
| Loan and lease loss provision to assets | 0.1603% | 1,398 |
| Net operating income to assets | 1.0983% | 1,858 |
| Return on assets (ROA) | 1.0983% | 1,881 |
| Pretax return on assets | 1.8817% | 626 |
| Return on Equity (ROE) | 7.9874% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.0426% | 1,517 |
| Net charge-offs to loans | 0.1398% | 1,669 |
| Credit loss provision to net charge-offs | 155.5324% | 1,723 |
| Earnings coverage of net charge-offs (x) | 19.8142% | 2,004 |
| Efficiency ratio | 53.4047% | 4,995 |
| Assets per employee ($millions) | 5.0769% | 2,388 |
| Cash dividends to net income (ytd only)* | 24.3487% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 2,119 |
| Loan loss allowance to noncurrent loans | 175.2086% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.5515% | 2,720 |
| Noncurrent loans to loans | 0.7532% | 2,317 |
| Net loans and leases to total assets | 70.6042% | 2,433 |
| Net loans and leases to deposits | 91.2481% | 1,622 |
| Net loans and leases to core deposits | 104.6606% | 1,365 |
| Total domestic deposits to total assets | 77.3761% | 4,815 |
| Equity capital to assets | 14.0090% | 910 |
| Core capital (leverage) ratio | 12.6420% | 1,287 |
| Tier 1 risk-based capital ratio | 19.8624% | 1,348 |
| Total risk-based capital ratio | 21.1140% | 1,314 |
| Memoranda: | ||
| Average total assets | $464,799,800 | 1,497 |
| Average earning assets | $437,624,200 | 1,483 |
| Average equity | $63,913,400 | 1,238 |
| Average total loans | $342,685,000 | 1,398 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8466% | 844 |
| Cost of funding earning assets | 0.6184% | 1,412 |
| Net interest margin | 4.2282% | 1,088 |
| Noninterest income to average assets | 0.3791% | 3,817 |
| Noninterest expense to average assets | 2.3106% | 4,277 |
| Loan and lease loss provision to assets | 0.1393% | 1,531 |
| Net operating income to assets | 1.2462% | 1,523 |
| Return on assets (ROA) | 1.2462% | 1,546 |
| Pretax return on assets | 1.9139% | 661 |
| Return on Equity (ROE) | 9.1057% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.1950% | 1,141 |
| Net charge-offs to loans | 0.2030% | 1,048 |
| Credit loss provision to net charge-offs | 92.3810% | 2,425 |
| Earnings coverage of net charge-offs (x) | 13.6172% | 2,343 |
| Efficiency ratio | 52.9485% | 5,017 |
| Assets per employee ($millions) | 5.3348% | 2,084 |
| Cash dividends to net income (ytd only)* | 10.0023% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,565 |
| Loan loss allowance to noncurrent loans | 193.3114% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 3,295 |
| Noncurrent loans to loans | 0.5625% | 3,013 |
| Net loans and leases to total assets | 76.0673% | 1,584 |
| Net loans and leases to deposits | 97.1059% | 999 |
| Net loans and leases to core deposits | 127.4390% | 379 |
| Total domestic deposits to total assets | 78.3344% | 4,662 |
| Equity capital to assets | 13.3659% | 1,221 |
| Core capital (leverage) ratio | 13.3822% | 1,068 |
| Tier 1 risk-based capital ratio | 17.7340% | 1,935 |
| Total risk-based capital ratio | 18.8563% | 1,915 |
| Memoranda: | ||
| Average total assets | $464,230,500 | 1,503 |
| Average earning assets | $437,491,000 | 1,493 |
| Average equity | $63,533,500 | 1,254 |
| Average total loans | $344,809,750 | 1,399 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,038 |
| Cost of funding earning assets | 0.5716% | 1,637 |
| Net interest margin | 4.1379% | 1,227 |
| Noninterest income to average assets | 0.4102% | 3,624 |
| Noninterest expense to average assets | 2.3317% | 4,261 |
| Loan and lease loss provision to assets | 0.1032% | 1,965 |
| Net operating income to assets | 1.2302% | 1,501 |
| Return on assets (ROA) | 1.2302% | 1,536 |
| Pretax return on assets | 1.8828% | 688 |
| Return on Equity (ROE) | 8.9140% | 2,547 |
| Retained earnings to average equity (ytd only) | 7.5329% | 1,338 |
| Net charge-offs to loans | 0.2060% | 983 |
| Credit loss provision to net charge-offs | 68.3140% | 2,399 |
| Earnings coverage of net charge-offs (x) | 13.1453% | 2,149 |
| Efficiency ratio | 54.0026% | 5,021 |
| Assets per employee ($millions) | 5.2559% | 2,105 |
| Cash dividends to net income (ytd only)* | 15.4945% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,425 |
| Loan loss allowance to noncurrent loans | 162.4145% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 0.6030% | 2,759 |
| Noncurrent loans to loans | 0.6950% | 2,668 |
| Net loans and leases to total assets | 73.9091% | 1,886 |
| Net loans and leases to deposits | 93.4124% | 1,318 |
| Net loans and leases to core deposits | 114.4281% | 780 |
| Total domestic deposits to total assets | 79.1212% | 4,598 |
| Equity capital to assets | 13.4071% | 1,185 |
| Core capital (leverage) ratio | 13.8101% | 907 |
| Tier 1 risk-based capital ratio | 17.9949% | 1,855 |
| Total risk-based capital ratio | 19.1421% | 1,842 |
| Memoranda: | ||
| Average total assets | $455,373,670 | 1,541 |
| Average earning assets | $430,029,670 | 1,519 |
| Average equity | $62,844,670 | 1,264 |
| Average total loans | $333,932,000 | 1,443 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 861 |
| Cost of funding earning assets | 0.5686% | 1,596 |
| Net interest margin | 4.1731% | 1,040 |
| Noninterest income to average assets | 0.4478% | 3,323 |
| Noninterest expense to average assets | 2.3184% | 4,356 |
| Loan and lease loss provision to assets | 0.0451% | 2,898 |
| Net operating income to assets | 1.3237% | 1,181 |
| Return on assets (ROA) | 1.3237% | 1,215 |
| Pretax return on assets | 2.0256% | 482 |
| Return on Equity (ROE) | 9.4462% | 2,209 |
| Retained earnings to average equity (ytd only) | 9.4462% | 935 |
| Net charge-offs to loans | 0.1602% | 1,014 |
| Credit loss provision to net charge-offs | 38.7597% | 2,071 |
| Earnings coverage of net charge-offs (x) | 17.8140% | 1,586 |
| Efficiency ratio | 52.8228% | 5,218 |
| Assets per employee ($millions) | 4.9333% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 2,954 |
| Loan loss allowance to noncurrent loans | 255.0188% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 3,604 |
| Noncurrent loans to loans | 0.4814% | 3,361 |
| Net loans and leases to total assets | 72.8583% | 1,934 |
| Net loans and leases to deposits | 88.4492% | 1,734 |
| Net loans and leases to core deposits | 104.0496% | 1,222 |
| Total domestic deposits to total assets | 82.3731% | 4,067 |
| Equity capital to assets | 14.0346% | 891 |
| Core capital (leverage) ratio | 13.8587% | 879 |
| Tier 1 risk-based capital ratio | 19.2744% | 1,546 |
| Total risk-based capital ratio | 20.5245% | 1,518 |
| Memoranda: | ||
| Average total assets | $443,918,000 | 1,587 |
| Average earning assets | $419,260,000 | 1,562 |
| Average equity | $62,205,000 | 1,275 |
| Average total loans | $322,132,000 | 1,493 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 1,031 |
| Cost of funding earning assets | 0.5827% | 1,473 |
| Net interest margin | 4.1356% | 1,287 |
| Noninterest income to average assets | 0.3803% | 4,032 |
| Noninterest expense to average assets | 2.2612% | 4,630 |
| Loan and lease loss provision to assets | 0.0851% | 2,656 |
| Net operating income to assets | 1.2758% | 1,284 |
| Return on assets (ROA) | 1.2758% | 1,352 |
| Pretax return on assets | 1.9451% | 568 |
| Return on Equity (ROE) | 9.7145% | 2,099 |
| Retained earnings to average equity (ytd only) | 9.0280% | 584 |
| Net charge-offs to loans | 0.0949% | 2,344 |
| Credit loss provision to net charge-offs | 121.4511% | 2,186 |
| Earnings coverage of net charge-offs (x) | 28.9842% | 1,460 |
| Efficiency ratio | 52.6928% | 5,333 |
| Assets per employee ($millions) | 4.8231% | 2,613 |
| Cash dividends to net income (ytd only)* | 7.0662% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,412 |
| Loan loss allowance to noncurrent loans | 137.0370% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7334% | 2,529 |
| Noncurrent loans to loans | 0.9658% | 2,155 |
| Net loans and leases to total assets | 70.3960% | 2,413 |
| Net loans and leases to deposits | 85.3815% | 2,255 |
| Net loans and leases to core deposits | 100.9406% | 1,547 |
| Total domestic deposits to total assets | 82.4487% | 3,949 |
| Equity capital to assets | 13.9903% | 890 |
| Core capital (leverage) ratio | 13.0948% | 1,102 |
| Tier 1 risk-based capital ratio | 19.5420% | 1,467 |
| Total risk-based capital ratio | 20.7929% | 1,428 |
| Memoranda: | ||
| Average total assets | $452,581,800 | 1,505 |
| Average earning assets | $428,010,400 | 1,479 |
| Average equity | $59,437,200 | 1,300 |
| Average total loans | $334,024,800 | 1,397 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6969% | 1,070 |
| Cost of funding earning assets | 0.5756% | 1,515 |
| Net interest margin | 4.1214% | 1,336 |
| Noninterest income to average assets | 0.3819% | 4,052 |
| Noninterest expense to average assets | 2.1967% | 4,779 |
| Loan and lease loss provision to assets | 0.0906% | 2,415 |
| Net operating income to assets | 1.3014% | 1,289 |
| Return on assets (ROA) | 1.3014% | 1,386 |
| Pretax return on assets | 1.9950% | 574 |
| Return on Equity (ROE) | 10.0678% | 2,023 |
| Retained earnings to average equity (ytd only) | 10.0678% | 563 |
| Net charge-offs to loans | 0.0519% | 2,626 |
| Credit loss provision to net charge-offs | 234.8485% | 1,253 |
| Earnings coverage of net charge-offs (x) | 54.0365% | 1,018 |
| Efficiency ratio | 51.2973% | 5,421 |
| Assets per employee ($millions) | 5.1290% | 2,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,407 |
| Loan loss allowance to noncurrent loans | 162.3045% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 3,070 |
| Noncurrent loans to loans | 0.7231% | 2,865 |
| Net loans and leases to total assets | 76.7526% | 1,403 |
| Net loans and leases to deposits | 92.4472% | 1,438 |
| Net loans and leases to core deposits | 124.4357% | 403 |
| Total domestic deposits to total assets | 83.0232% | 3,589 |
| Equity capital to assets | 13.1136% | 1,433 |
| Core capital (leverage) ratio | 12.3901% | 1,447 |
| Tier 1 risk-based capital ratio | 16.1825% | 2,550 |
| Total risk-based capital ratio | 17.3292% | 2,538 |
| Memoranda: | ||
| Average total assets | $456,001,500 | 1,494 |
| Average earning assets | $431,561,750 | 1,467 |
| Average equity | $58,945,500 | 1,319 |
| Average total loans | $339,252,500 | 1,377 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,213 |
| Cost of funding earning assets | 0.5559% | 1,653 |
| Net interest margin | 4.0705% | 1,444 |
| Noninterest income to average assets | 0.3740% | 4,072 |
| Noninterest expense to average assets | 2.2032% | 4,834 |
| Loan and lease loss provision to assets | 0.0641% | 2,862 |
| Net operating income to assets | 1.2789% | 1,337 |
| Return on assets (ROA) | 1.2789% | 1,447 |
| Pretax return on assets | 1.9588% | 624 |
| Return on Equity (ROE) | 9.9429% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.9429% | 610 |
| Net charge-offs to loans | 0.0320% | 2,822 |
| Credit loss provision to net charge-offs | 273.5849% | 1,033 |
| Earnings coverage of net charge-offs (x) | 86.3396% | 657 |
| Efficiency ratio | 52.1339% | 5,435 |
| Assets per employee ($millions) | 5.5710% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 3,442 |
| Loan loss allowance to noncurrent loans | 218.6779% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4517% | 3,703 |
| Noncurrent loans to loans | 0.5415% | 3,450 |
| Net loans and leases to total assets | 72.6038% | 2,065 |
| Net loans and leases to deposits | 87.7834% | 2,021 |
| Net loans and leases to core deposits | 117.3229% | 599 |
| Total domestic deposits to total assets | 82.7079% | 3,757 |
| Equity capital to assets | 12.4541% | 1,804 |
| Core capital (leverage) ratio | 12.6377% | 1,288 |
| Tier 1 risk-based capital ratio | 15.9202% | 2,682 |
| Total risk-based capital ratio | 17.0569% | 2,673 |
| Memoranda: | ||
| Average total assets | $452,423,000 | 1,515 |
| Average earning assets | $428,155,670 | 1,484 |
| Average equity | $58,192,000 | 1,340 |
| Average total loans | $331,507,670 | 1,409 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7291% | 991 |
| Cost of funding earning assets | 0.5551% | 1,659 |
| Net interest margin | 4.1740% | 1,161 |
| Noninterest income to average assets | 0.4054% | 3,789 |
| Noninterest expense to average assets | 2.2228% | 4,852 |
| Loan and lease loss provision to assets | 0.0774% | 2,413 |
| Net operating income to assets | 1.3382% | 1,157 |
| Return on assets (ROA) | 1.3382% | 1,241 |
| Pretax return on assets | 2.0506% | 511 |
| Return on Equity (ROE) | 10.2273% | 1,888 |
| Retained earnings to average equity (ytd only) | 10.2273% | 799 |
| Net charge-offs to loans | 0.0996% | 1,531 |
| Credit loss provision to net charge-offs | 106.2500% | 1,552 |
| Earnings coverage of net charge-offs (x) | 29.2000% | 1,196 |
| Efficiency ratio | 51.0888% | 5,561 |
| Assets per employee ($millions) | 5.1642% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 3,194 |
| Loan loss allowance to noncurrent loans | 237.9592% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 3,749 |
| Noncurrent loans to loans | 0.5251% | 3,612 |
| Net loans and leases to total assets | 72.6245% | 1,936 |
| Net loans and leases to deposits | 89.0049% | 1,701 |
| Net loans and leases to core deposits | 120.5133% | 453 |
| Total domestic deposits to total assets | 81.5961% | 4,329 |
| Equity capital to assets | 13.1090% | 1,358 |
| Core capital (leverage) ratio | 12.8935% | 1,199 |
| Tier 1 risk-based capital ratio | 16.3616% | 2,535 |
| Total risk-based capital ratio | 17.5321% | 2,517 |
| Memoranda: | ||
| Average total assets | $439,083,000 | 1,550 |
| Average earning assets | $415,046,500 | 1,525 |
| Average equity | $57,454,000 | 1,351 |
| Average total loans | $321,254,000 | 1,443 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 936 |
| Cost of funding earning assets | 0.5613% | 1,666 |
| Net interest margin | 4.2360% | 1,088 |
| Noninterest income to average assets | 0.4349% | 3,789 |
| Noninterest expense to average assets | 2.3233% | 4,723 |
| Loan and lease loss provision to assets | 0.0441% | 3,446 |
| Net operating income to assets | 1.3340% | 1,193 |
| Return on assets (ROA) | 1.3380% | 1,223 |
| Pretax return on assets | 2.0369% | 503 |
| Return on Equity (ROE) | 10.3339% | 1,870 |
| Retained earnings to average equity (ytd only) | 8.9297% | 667 |
| Net charge-offs to loans | 0.0475% | 3,258 |
| Credit loss provision to net charge-offs | 125.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | 58.8378% | 881 |
| Efficiency ratio | 52.8226% | 5,592 |
| Assets per employee ($millions) | 5.0470% | 2,312 |
| Cash dividends to net income (ytd only)* | 13.5886% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,958 |
| Loan loss allowance to noncurrent loans | 731.7774% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 4,770 |
| Noncurrent loans to loans | 0.1763% | 4,784 |
| Net loans and leases to total assets | 71.8382% | 2,085 |
| Net loans and leases to deposits | 88.0038% | 1,875 |
| Net loans and leases to core deposits | 114.5124% | 656 |
| Total domestic deposits to total assets | 81.6308% | 4,293 |
| Equity capital to assets | 13.0605% | 1,320 |
| Core capital (leverage) ratio | 12.1551% | 1,525 |
| Tier 1 risk-based capital ratio | 16.6187% | 2,417 |
| Total risk-based capital ratio | 17.8375% | 2,390 |
| Memoranda: | ||
| Average total assets | $419,663,400 | 1,577 |
| Average earning assets | $392,653,800 | 1,554 |
| Average equity | $54,335,600 | 1,376 |
| Average total loans | $311,711,400 | 1,419 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 972 |
| Cost of funding earning assets | 0.5576% | 1,740 |
| Net interest margin | 4.2191% | 1,123 |
| Noninterest income to average assets | 0.4095% | 4,011 |
| Noninterest expense to average assets | 2.2412% | 4,934 |
| Loan and lease loss provision to assets | 0.0352% | 3,515 |
| Net operating income to assets | 1.3519% | 1,225 |
| Return on assets (ROA) | 1.3571% | 1,257 |
| Pretax return on assets | 2.0810% | 522 |
| Return on Equity (ROE) | 10.5057% | 1,900 |
| Retained earnings to average equity (ytd only) | 9.5580% | 725 |
| Net charge-offs to loans | 0.0253% | 3,432 |
| Credit loss provision to net charge-offs | 186.4407% | 1,421 |
| Earnings coverage of net charge-offs (x) | 111.5151% | 571 |
| Efficiency ratio | 51.5288% | 5,680 |
| Assets per employee ($millions) | 5.1170% | 2,151 |
| Cash dividends to net income (ytd only)* | 9.0201% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1865% | 3,732 |
| Loan loss allowance to noncurrent loans | 853.8622% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 5,029 |
| Noncurrent loans to loans | 0.1390% | 5,076 |
| Net loans and leases to total assets | 77.4036% | 1,190 |
| Net loans and leases to deposits | 94.4331% | 1,148 |
| Net loans and leases to core deposits | 141.7573% | 156 |
| Total domestic deposits to total assets | 81.9666% | 4,175 |
| Equity capital to assets | 12.6473% | 1,654 |
| Core capital (leverage) ratio | 12.4639% | 1,435 |
| Tier 1 risk-based capital ratio | 15.2208% | 3,181 |
| Total risk-based capital ratio | 16.3618% | 3,178 |
| Memoranda: | ||
| Average total assets | $416,068,750 | 1,601 |
| Average earning assets | $388,543,750 | 1,582 |
| Average equity | $53,747,500 | 1,397 |
| Average total loans | $310,668,250 | 1,428 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,048 |
| Cost of funding earning assets | 0.5609% | 1,726 |
| Net interest margin | 4.1513% | 1,223 |
| Noninterest income to average assets | 0.4068% | 4,036 |
| Noninterest expense to average assets | 2.2697% | 4,924 |
| Loan and lease loss provision to assets | 0.0172% | 3,784 |
| Net operating income to assets | 1.3017% | 1,319 |
| Return on assets (ROA) | 1.3017% | 1,377 |
| Pretax return on assets | 1.9903% | 606 |
| Return on Equity (ROE) | 10.0016% | 2,071 |
| Retained earnings to average equity (ytd only) | 10.0016% | 661 |
| Net charge-offs to loans | 0.0327% | 3,010 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 83.5918% | 683 |
| Efficiency ratio | 53.0652% | 5,644 |
| Assets per employee ($millions) | 4.8082% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 3,487 |
| Loan loss allowance to noncurrent loans | 1,137.0056% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 5,219 |
| Noncurrent loans to loans | 0.1102% | 5,312 |
| Net loans and leases to total assets | 76.7055% | 1,271 |
| Net loans and leases to deposits | 92.2534% | 1,345 |
| Net loans and leases to core deposits | 124.8931% | 358 |
| Total domestic deposits to total assets | 83.1465% | 3,889 |
| Equity capital to assets | 13.1391% | 1,331 |
| Core capital (leverage) ratio | 12.8879% | 1,217 |
| Tier 1 risk-based capital ratio | 16.4614% | 2,626 |
| Total risk-based capital ratio | 17.7026% | 2,590 |
| Memoranda: | ||
| Average total assets | $408,071,330 | 1,636 |
| Average earning assets | $380,456,000 | 1,624 |
| Average equity | $53,111,330 | 1,425 |
| Average total loans | $299,320,000 | 1,481 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5945% | 1,236 |
| Cost of funding earning assets | 0.5552% | 1,798 |
| Net interest margin | 4.0393% | 1,440 |
| Noninterest income to average assets | 0.4500% | 3,637 |
| Noninterest expense to average assets | 2.2351% | 5,064 |
| Loan and lease loss provision to assets | 0.0099% | 3,592 |
| Net operating income to assets | 1.2818% | 1,333 |
| Return on assets (ROA) | 1.2818% | 1,414 |
| Pretax return on assets | 1.9598% | 630 |
| Return on Equity (ROE) | 9.8969% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.8969% | 950 |
| Net charge-offs to loans | 0.0583% | 2,175 |
| Credit loss provision to net charge-offs | 23.8095% | 2,329 |
| Earnings coverage of net charge-offs (x) | 47.5238% | 866 |
| Efficiency ratio | 53.1565% | 5,739 |
| Assets per employee ($millions) | 4.6726% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 3,060 |
| Loan loss allowance to noncurrent loans | 1,863.7209% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 5,334 |
| Noncurrent loans to loans | 0.0735% | 5,478 |
| Net loans and leases to total assets | 71.7506% | 1,847 |
| Net loans and leases to deposits | 86.5918% | 1,764 |
| Net loans and leases to core deposits | 108.0930% | 818 |
| Total domestic deposits to total assets | 82.8607% | 4,213 |
| Equity capital to assets | 13.2343% | 1,289 |
| Core capital (leverage) ratio | 12.6561% | 1,287 |
| Tier 1 risk-based capital ratio | 17.1406% | 2,428 |
| Total risk-based capital ratio | 18.3913% | 2,385 |
| Memoranda: | ||
| Average total assets | $405,354,500 | 1,653 |
| Average earning assets | $376,799,500 | 1,639 |
| Average equity | $52,501,500 | 1,446 |
| Average total loans | $288,377,000 | 1,522 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 1,111 |
| Cost of funding earning assets | 0.5825% | 1,926 |
| Net interest margin | 4.2204% | 1,245 |
| Noninterest income to average assets | 0.4298% | 3,971 |
| Noninterest expense to average assets | 2.3187% | 5,064 |
| Loan and lease loss provision to assets | 0.0381% | 3,819 |
| Net operating income to assets | 1.3090% | 1,289 |
| Return on assets (ROA) | 1.3090% | 1,336 |
| Pretax return on assets | 1.9912% | 522 |
| Return on Equity (ROE) | 10.4978% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.8768% | 539 |
| Net charge-offs to loans | 0.0437% | 3,949 |
| Credit loss provision to net charge-offs | 120.0000% | 1,999 |
| Earnings coverage of net charge-offs (x) | 63.9440% | 752 |
| Efficiency ratio | 53.3283% | 5,896 |
| Assets per employee ($millions) | 4.7539% | 2,654 |
| Cash dividends to net income (ytd only)* | 5.9154% | 4,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 2,854 |
| Loan loss allowance to noncurrent loans | 959.3824% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 5,206 |
| Noncurrent loans to loans | 0.1480% | 5,301 |
| Net loans and leases to total assets | 68.5815% | 2,476 |
| Net loans and leases to deposits | 83.0873% | 2,326 |
| Net loans and leases to core deposits | 103.4364% | 1,158 |
| Total domestic deposits to total assets | 82.5415% | 4,232 |
| Equity capital to assets | 12.6673% | 1,560 |
| Core capital (leverage) ratio | 12.2348% | 1,486 |
| Tier 1 risk-based capital ratio | 17.6947% | 2,240 |
| Total risk-based capital ratio | 18.9466% | 2,210 |
| Memoranda: | ||
| Average total assets | $393,892,200 | 1,664 |
| Average earning assets | $365,672,200 | 1,648 |
| Average equity | $49,115,000 | 1,468 |
| Average total loans | $285,865,400 | 1,491 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7927% | 1,116 |
| Cost of funding earning assets | 0.5866% | 1,955 |
| Net interest margin | 4.2061% | 1,274 |
| Noninterest income to average assets | 0.4241% | 4,066 |
| Noninterest expense to average assets | 2.2906% | 5,134 |
| Loan and lease loss provision to assets | 0.0427% | 3,545 |
| Net operating income to assets | 1.3051% | 1,356 |
| Return on assets (ROA) | 1.3051% | 1,413 |
| Pretax return on assets | 1.9968% | 579 |
| Return on Equity (ROE) | 10.5102% | 1,994 |
| Retained earnings to average equity (ytd only) | 10.5102% | 592 |
| Net charge-offs to loans | 0.0298% | 3,892 |
| Credit loss provision to net charge-offs | 195.3125% | 1,291 |
| Earnings coverage of net charge-offs (x) | 93.2513% | 620 |
| Efficiency ratio | 52.9003% | 5,930 |
| Assets per employee ($millions) | 4.7084% | 2,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 3,468 |
| Loan loss allowance to noncurrent loans | 1,086.6667% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 5,298 |
| Noncurrent loans to loans | 0.1229% | 5,559 |
| Net loans and leases to total assets | 74.3373% | 1,470 |
| Net loans and leases to deposits | 89.9990% | 1,431 |
| Net loans and leases to core deposits | 128.3033% | 253 |
| Total domestic deposits to total assets | 82.5980% | 4,268 |
| Equity capital to assets | 12.5210% | 1,684 |
| Core capital (leverage) ratio | 12.1393% | 1,610 |
| Tier 1 risk-based capital ratio | 16.3207% | 2,892 |
| Total risk-based capital ratio | 17.5717% | 2,844 |
| Memoranda: | ||
| Average total assets | $390,157,000 | 1,691 |
| Average earning assets | $362,319,250 | 1,672 |
| Average equity | $48,446,750 | 1,489 |
| Average total loans | $286,226,000 | 1,501 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 1,199 |
| Cost of funding earning assets | 0.5833% | 2,047 |
| Net interest margin | 4.1558% | 1,363 |
| Noninterest income to average assets | 0.4319% | 4,009 |
| Noninterest expense to average assets | 2.3030% | 5,141 |
| Loan and lease loss provision to assets | 0.0649% | 2,969 |
| Net operating income to assets | 1.2584% | 1,423 |
| Return on assets (ROA) | 1.2584% | 1,488 |
| Pretax return on assets | 1.9219% | 653 |
| Return on Equity (ROE) | 10.1644% | 2,074 |
| Retained earnings to average equity (ytd only) | 10.1644% | 686 |
| Net charge-offs to loans | 0.0329% | 3,548 |
| Credit loss provision to net charge-offs | 271.7391% | 927 |
| Earnings coverage of net charge-offs (x) | 83.1957% | 636 |
| Efficiency ratio | 53.6851% | 5,931 |
| Assets per employee ($millions) | 4.3565% | 3,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 3,522 |
| Loan loss allowance to noncurrent loans | 1,211.2426% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 5,642 |
| Noncurrent loans to loans | 0.1126% | 5,676 |
| Net loans and leases to total assets | 73.8814% | 1,459 |
| Net loans and leases to deposits | 89.4352% | 1,426 |
| Net loans and leases to core deposits | 127.9050% | 250 |
| Total domestic deposits to total assets | 82.6089% | 4,443 |
| Equity capital to assets | 12.2614% | 1,801 |
| Core capital (leverage) ratio | 12.5697% | 1,359 |
| Tier 1 risk-based capital ratio | 15.9279% | 3,134 |
| Total risk-based capital ratio | 17.1791% | 3,069 |
| Memoranda: | ||
| Average total assets | $385,236,330 | 1,706 |
| Average earning assets | $357,622,670 | 1,691 |
| Average equity | $47,695,670 | 1,505 |
| Average total loans | $279,941,000 | 1,523 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,308 |
| Cost of funding earning assets | 0.5933% | 2,029 |
| Net interest margin | 4.0856% | 1,503 |
| Noninterest income to average assets | 0.4769% | 3,585 |
| Noninterest expense to average assets | 2.3378% | 5,100 |
| Loan and lease loss provision to assets | 0.0795% | 2,557 |
| Net operating income to assets | 1.2113% | 1,456 |
| Return on assets (ROA) | 1.2113% | 1,515 |
| Pretax return on assets | 1.8471% | 731 |
| Return on Equity (ROE) | 9.7336% | 2,137 |
| Retained earnings to average equity (ytd only) | 9.7336% | 1,036 |
| Net charge-offs to loans | 0.1497% | 1,817 |
| Credit loss provision to net charge-offs | 74.2574% | 1,959 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,435 |
| Efficiency ratio | 54.8211% | 5,939 |
| Assets per employee ($millions) | 5.5490% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 3,454 |
| Loan loss allowance to noncurrent loans | 509.4508% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 5,176 |
| Noncurrent loans to loans | 0.2811% | 5,266 |
| Net loans and leases to total assets | 72.7577% | 1,455 |
| Net loans and leases to deposits | 88.8266% | 1,271 |
| Net loans and leases to core deposits | 103.2327% | 909 |
| Total domestic deposits to total assets | 81.9098% | 4,970 |
| Equity capital to assets | 12.6247% | 1,509 |
| Core capital (leverage) ratio | 12.4084% | 1,431 |
| Tier 1 risk-based capital ratio | 16.6815% | 2,823 |
| Total risk-based capital ratio | 17.9336% | 2,784 |
| Memoranda: | ||
| Average total assets | $377,453,500 | 1,744 |
| Average earning assets | $349,910,500 | 1,724 |
| Average equity | $46,971,500 | 1,521 |
| Average total loans | $269,805,500 | 1,580 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 1,360 |
| Cost of funding earning assets | 0.6609% | 2,114 |
| Net interest margin | 4.1221% | 1,583 |
| Noninterest income to average assets | 0.4643% | 3,995 |
| Noninterest expense to average assets | 2.3228% | 5,307 |
| Loan and lease loss provision to assets | 0.1459% | 2,472 |
| Net operating income to assets | 1.2258% | 1,467 |
| Return on assets (ROA) | 1.2258% | 1,534 |
| Pretax return on assets | 1.8490% | 681 |
| Return on Equity (ROE) | 10.2323% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.2323% | 521 |
| Net charge-offs to loans | 0.1111% | 3,715 |
| Credit loss provision to net charge-offs | 180.6020% | 1,271 |
| Earnings coverage of net charge-offs (x) | 24.6990% | 1,352 |
| Efficiency ratio | 53.7975% | 6,155 |
| Assets per employee ($millions) | 5.5526% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 3,020 |
| Loan loss allowance to noncurrent loans | 429.4118% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 5,168 |
| Noncurrent loans to loans | 0.3581% | 5,113 |
| Net loans and leases to total assets | 68.0842% | 2,345 |
| Net loans and leases to deposits | 82.6126% | 2,116 |
| Net loans and leases to core deposits | 95.3616% | 1,499 |
| Total domestic deposits to total assets | 82.4138% | 4,732 |
| Equity capital to assets | 12.2641% | 1,644 |
| Core capital (leverage) ratio | 11.7285% | 1,804 |
| Tier 1 risk-based capital ratio | 17.2019% | 2,524 |
| Total risk-based capital ratio | 18.4551% | 2,499 |
| Memoranda: | ||
| Average total assets | $370,202,000 | 1,763 |
| Average earning assets | $346,062,600 | 1,728 |
| Average equity | $44,349,800 | 1,581 |
| Average total loans | $269,200,000 | 1,555 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7962% | 1,350 |
| Cost of funding earning assets | 0.6673% | 2,201 |
| Net interest margin | 4.1288% | 1,543 |
| Noninterest income to average assets | 0.4702% | 4,000 |
| Noninterest expense to average assets | 2.3010% | 5,340 |
| Loan and lease loss provision to assets | 0.1683% | 2,158 |
| Net operating income to assets | 1.2252% | 1,549 |
| Return on assets (ROA) | 1.2252% | 1,621 |
| Pretax return on assets | 1.8706% | 757 |
| Return on Equity (ROE) | 10.2899% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.2899% | 730 |
| Net charge-offs to loans | 0.1077% | 3,465 |
| Credit loss provision to net charge-offs | 212.3288% | 1,140 |
| Earnings coverage of net charge-offs (x) | 25.7217% | 1,376 |
| Efficiency ratio | 53.0192% | 6,179 |
| Assets per employee ($millions) | 5.5773% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 3,913 |
| Loan loss allowance to noncurrent loans | 950.3546% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 5,770 |
| Noncurrent loans to loans | 0.1468% | 5,882 |
| Net loans and leases to total assets | 74.8934% | 1,144 |
| Net loans and leases to deposits | 90.5509% | 1,099 |
| Net loans and leases to core deposits | 106.7166% | 718 |
| Total domestic deposits to total assets | 82.7087% | 4,680 |
| Equity capital to assets | 11.9364% | 1,953 |
| Core capital (leverage) ratio | 11.8632% | 1,761 |
| Tier 1 risk-based capital ratio | 15.1789% | 3,645 |
| Total risk-based capital ratio | 16.4303% | 3,600 |
| Memoranda: | ||
| Average total assets | $368,358,750 | 1,782 |
| Average earning assets | $345,239,000 | 1,746 |
| Average equity | $43,860,750 | 1,606 |
| Average total loans | $271,229,000 | 1,554 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7233% | 1,508 |
| Cost of funding earning assets | 0.6803% | 2,217 |
| Net interest margin | 4.0430% | 1,722 |
| Noninterest income to average assets | 0.4211% | 4,370 |
| Noninterest expense to average assets | 2.3349% | 5,258 |
| Loan and lease loss provision to assets | 0.1535% | 2,398 |
| Net operating income to assets | 1.1313% | 1,811 |
| Return on assets (ROA) | 1.1313% | 1,923 |
| Pretax return on assets | 1.7197% | 1,074 |
| Return on Equity (ROE) | 9.5089% | 2,416 |
| Retained earnings to average equity (ytd only) | 9.5089% | 965 |
| Net charge-offs to loans | 0.1129% | 3,232 |
| Credit loss provision to net charge-offs | 186.6667% | 1,275 |
| Earnings coverage of net charge-offs (x) | 22.7733% | 1,353 |
| Efficiency ratio | 55.4861% | 6,021 |
| Assets per employee ($millions) | 5.3737% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 4,122 |
| Loan loss allowance to noncurrent loans | 580.9524% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 5,767 |
| Noncurrent loans to loans | 0.2378% | 5,709 |
| Net loans and leases to total assets | 77.4012% | 815 |
| Net loans and leases to deposits | 95.5538% | 704 |
| Net loans and leases to core deposits | 105.2621% | 780 |
| Total domestic deposits to total assets | 81.0028% | 5,336 |
| Equity capital to assets | 12.3035% | 1,706 |
| Core capital (leverage) ratio | 11.8532% | 1,697 |
| Tier 1 risk-based capital ratio | 14.7370% | 3,953 |
| Total risk-based capital ratio | 15.9880% | 3,918 |
| Memoranda: | ||
| Average total assets | $364,725,330 | 1,795 |
| Average earning assets | $341,625,330 | 1,755 |
| Average equity | $43,391,000 | 1,627 |
| Average total loans | $265,618,670 | 1,573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5747% | 1,910 |
| Cost of funding earning assets | 0.6839% | 2,355 |
| Net interest margin | 3.8908% | 2,150 |
| Noninterest income to average assets | 0.4130% | 4,366 |
| Noninterest expense to average assets | 2.3167% | 5,380 |
| Loan and lease loss provision to assets | 0.1417% | 2,468 |
| Net operating income to assets | 1.0603% | 1,991 |
| Return on assets (ROA) | 1.0603% | 2,108 |
| Pretax return on assets | 1.6062% | 1,292 |
| Return on Equity (ROE) | 9.0642% | 2,460 |
| Retained earnings to average equity (ytd only) | 9.0642% | 1,361 |
| Net charge-offs to loans | 0.1011% | 2,844 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 24.6769% | 1,075 |
| Efficiency ratio | 56.9973% | 5,967 |
| Assets per employee ($millions) | 5.6590% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 3,979 |
| Loan loss allowance to noncurrent loans | 344.6140% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 5,526 |
| Noncurrent loans to loans | 0.4231% | 5,359 |
| Net loans and leases to total assets | 70.5325% | 1,576 |
| Net loans and leases to deposits | 85.0285% | 1,466 |
| Net loans and leases to core deposits | 92.4486% | 1,459 |
| Total domestic deposits to total assets | 82.9516% | 4,870 |
| Equity capital to assets | 11.7996% | 2,176 |
| Core capital (leverage) ratio | 11.3269% | 1,998 |
| Tier 1 risk-based capital ratio | 15.1582% | 3,732 |
| Total risk-based capital ratio | 16.4096% | 3,685 |
| Memoranda: | ||
| Average total assets | $367,069,500 | 1,796 |
| Average earning assets | $344,505,000 | 1,759 |
| Average equity | $42,938,000 | 1,665 |
| Average total loans | $257,139,500 | 1,625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7857% | 2,250 |
| Cost of funding earning assets | 0.8266% | 2,448 |
| Net interest margin | 3.9591% | 2,569 |
| Noninterest income to average assets | 0.4206% | 4,451 |
| Noninterest expense to average assets | 2.3522% | 5,556 |
| Loan and lease loss provision to assets | 0.2347% | 2,790 |
| Net operating income to assets | 1.0164% | 2,269 |
| Return on assets (ROA) | 1.0168% | 2,487 |
| Pretax return on assets | 1.5337% | 1,578 |
| Return on Equity (ROE) | 8.9685% | 2,652 |
| Retained earnings to average equity (ytd only) | 7.0174% | 1,563 |
| Net charge-offs to loans | 0.2923% | 3,185 |
| Credit loss provision to net charge-offs | 112.7321% | 2,583 |
| Earnings coverage of net charge-offs (x) | 8.4907% | 2,402 |
| Efficiency ratio | 57.0912% | 5,947 |
| Assets per employee ($millions) | 5.6354% | 1,573 |
| Cash dividends to net income (ytd only)* | 21.7545% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 3,730 |
| Loan loss allowance to noncurrent loans | 528.7115% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 5,315 |
| Noncurrent loans to loans | 0.2845% | 5,769 |
| Net loans and leases to total assets | 67.4908% | 2,282 |
| Net loans and leases to deposits | 80.4018% | 2,230 |
| Net loans and leases to core deposits | 88.7844% | 1,998 |
| Total domestic deposits to total assets | 83.9420% | 4,340 |
| Equity capital to assets | 11.5950% | 2,352 |
| Core capital (leverage) ratio | 11.3379% | 1,986 |
| Tier 1 risk-based capital ratio | 16.2058% | 3,045 |
| Total risk-based capital ratio | 17.4588% | 2,998 |
| Memoranda: | ||
| Average total assets | $362,125,600 | 1,796 |
| Average earning assets | $338,381,600 | 1,757 |
| Average equity | $41,054,800 | 1,702 |
| Average total loans | $257,916,400 | 1,606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 2,273 |
| Cost of funding earning assets | 0.8554% | 2,498 |
| Net interest margin | 3.9776% | 2,589 |
| Noninterest income to average assets | 0.3973% | 4,657 |
| Noninterest expense to average assets | 2.3636% | 5,508 |
| Loan and lease loss provision to assets | 0.2769% | 2,357 |
| Net operating income to assets | 0.9740% | 2,637 |
| Return on assets (ROA) | 0.9745% | 2,858 |
| Pretax return on assets | 1.4681% | 2,013 |
| Return on Equity (ROE) | 8.6451% | 2,980 |
| Retained earnings to average equity (ytd only) | 7.7704% | 1,715 |
| Net charge-offs to loans | 0.3939% | 2,517 |
| Credit loss provision to net charge-offs | 97.7836% | 3,061 |
| Earnings coverage of net charge-offs (x) | 6.1591% | 2,838 |
| Efficiency ratio | 57.5371% | 5,850 |
| Assets per employee ($millions) | 5.6159% | 1,530 |
| Cash dividends to net income (ytd only)* | 10.1174% | 3,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3302% | 4,674 |
| Loan loss allowance to noncurrent loans | 406.3263% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.5503% | 5,293 |
| Noncurrent loans to loans | 0.3274% | 5,819 |
| Net loans and leases to total assets | 76.7529% | 873 |
| Net loans and leases to deposits | 91.8738% | 984 |
| Net loans and leases to core deposits | 110.9126% | 541 |
| Total domestic deposits to total assets | 83.5417% | 4,416 |
| Equity capital to assets | 11.8580% | 2,386 |
| Core capital (leverage) ratio | 11.3340% | 2,107 |
| Tier 1 risk-based capital ratio | 14.9112% | 3,913 |
| Total risk-based capital ratio | 16.1621% | 3,870 |
| Memoranda: | ||
| Average total assets | $361,081,250 | 1,826 |
| Average earning assets | $336,848,500 | 1,784 |
| Average equity | $40,700,250 | 1,732 |
| Average total loans | $259,646,500 | 1,607 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 2,836 |
| Cost of funding earning assets | 0.8768% | 2,588 |
| Net interest margin | 3.8441% | 3,161 |
| Noninterest income to average assets | 0.3813% | 4,785 |
| Noninterest expense to average assets | 2.3631% | 5,583 |
| Loan and lease loss provision to assets | 0.2751% | 2,387 |
| Net operating income to assets | 0.8845% | 2,981 |
| Return on assets (ROA) | 0.8853% | 3,238 |
| Pretax return on assets | 1.3265% | 2,458 |
| Return on Equity (ROE) | 7.9886% | 3,267 |
| Retained earnings to average equity (ytd only) | 6.6630% | 2,294 |
| Net charge-offs to loans | 0.3120% | 2,781 |
| Credit loss provision to net charge-offs | 125.9446% | 2,183 |
| Earnings coverage of net charge-offs (x) | 7.3275% | 2,502 |
| Efficiency ratio | 59.6197% | 5,637 |
| Assets per employee ($millions) | 5.7938% | 1,379 |
| Cash dividends to net income (ytd only)* | 16.5942% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 4,500 |
| Loan loss allowance to noncurrent loans | 320.9677% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.6512% | 5,152 |
| Noncurrent loans to loans | 0.4334% | 5,668 |
| Net loans and leases to total assets | 73.4316% | 1,338 |
| Net loans and leases to deposits | 87.5639% | 1,413 |
| Net loans and leases to core deposits | 110.2558% | 565 |
| Total domestic deposits to total assets | 83.8605% | 4,370 |
| Equity capital to assets | 11.2109% | 2,884 |
| Core capital (leverage) ratio | 10.9539% | 2,349 |
| Tier 1 risk-based capital ratio | 14.5739% | 4,045 |
| Total risk-based capital ratio | 15.8256% | 4,010 |
| Memoranda: | ||
| Average total assets | $363,507,000 | 1,816 |
| Average earning assets | $338,749,330 | 1,772 |
| Average equity | $40,282,330 | 1,735 |
| Average total loans | $254,456,670 | 1,639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 3,734 |
| Cost of funding earning assets | 0.9074% | 2,629 |
| Net interest margin | 3.6390% | 4,087 |
| Noninterest income to average assets | 0.4212% | 4,507 |
| Noninterest expense to average assets | 2.3344% | 5,678 |
| Loan and lease loss provision to assets | 0.2481% | 2,478 |
| Net operating income to assets | 0.8454% | 3,185 |
| Return on assets (ROA) | 0.8469% | 3,417 |
| Pretax return on assets | 1.2681% | 2,659 |
| Return on Equity (ROE) | 7.6871% | 3,415 |
| Retained earnings to average equity (ytd only) | 7.6871% | 2,094 |
| Net charge-offs to loans | 0.3450% | 2,267 |
| Credit loss provision to net charge-offs | 106.1321% | 2,183 |
| Earnings coverage of net charge-offs (x) | 6.4764% | 2,204 |
| Efficiency ratio | 60.6590% | 5,513 |
| Assets per employee ($millions) | 5.7578% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 4,192 |
| Loan loss allowance to noncurrent loans | 186.2260% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 5,290 |
| Noncurrent loans to loans | 0.8015% | 5,072 |
| Net loans and leases to total assets | 67.1553% | 2,267 |
| Net loans and leases to deposits | 80.0651% | 2,193 |
| Net loans and leases to core deposits | 100.6395% | 951 |
| Total domestic deposits to total assets | 83.8760% | 4,558 |
| Equity capital to assets | 11.1100% | 2,792 |
| Core capital (leverage) ratio | 10.6143% | 2,633 |
| Tier 1 risk-based capital ratio | 15.7588% | 3,314 |
| Total risk-based capital ratio | 17.0115% | 3,279 |
| Memoranda: | ||
| Average total assets | $362,754,500 | 1,824 |
| Average earning assets | $341,628,000 | 1,768 |
| Average equity | $39,963,000 | 1,738 |
| Average total loans | $245,777,500 | 1,684 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 2,804 |
| Cost of funding earning assets | 1.0683% | 2,894 |
| Net interest margin | 3.9490% | 3,113 |
| Noninterest income to average assets | 0.4464% | 4,249 |
| Noninterest expense to average assets | 2.5259% | 5,371 |
| Loan and lease loss provision to assets | 0.2675% | 3,538 |
| Net operating income to assets | 0.9092% | 2,562 |
| Return on assets (ROA) | 0.9092% | 2,684 |
| Pretax return on assets | 1.3581% | 1,919 |
| Return on Equity (ROE) | 7.9801% | 2,910 |
| Retained earnings to average equity (ytd only) | 6.6209% | 1,683 |
| Net charge-offs to loans | 0.2390% | 4,285 |
| Credit loss provision to net charge-offs | 151.0067% | 1,865 |
| Earnings coverage of net charge-offs (x) | 9.1762% | 2,025 |
| Efficiency ratio | 60.8434% | 5,629 |
| Assets per employee ($millions) | 5.8510% | 1,331 |
| Cash dividends to net income (ytd only)* | 17.0317% | 3,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 3,994 |
| Loan loss allowance to noncurrent loans | 177.1676% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 5,358 |
| Noncurrent loans to loans | 0.8499% | 4,988 |
| Net loans and leases to total assets | 66.3195% | 2,726 |
| Net loans and leases to deposits | 80.1458% | 2,497 |
| Net loans and leases to core deposits | 102.9250% | 973 |
| Total domestic deposits to total assets | 82.7486% | 4,863 |
| Equity capital to assets | 10.9230% | 3,050 |
| Core capital (leverage) ratio | 10.6082% | 2,613 |
| Tier 1 risk-based capital ratio | 15.6403% | 3,243 |
| Total risk-based capital ratio | 16.8934% | 3,201 |
| Memoranda: | ||
| Average total assets | $336,436,800 | 1,923 |
| Average earning assets | $315,651,600 | 1,868 |
| Average equity | $38,333,000 | 1,758 |
| Average total loans | $249,399,600 | 1,677 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1130% | 2,542 |
| Cost of funding earning assets | 1.0916% | 3,033 |
| Net interest margin | 4.0214% | 2,828 |
| Noninterest income to average assets | 0.4511% | 4,283 |
| Noninterest expense to average assets | 2.5461% | 5,298 |
| Loan and lease loss provision to assets | 0.3032% | 3,104 |
| Net operating income to assets | 0.9224% | 2,663 |
| Return on assets (ROA) | 0.9224% | 2,799 |
| Pretax return on assets | 1.3691% | 2,046 |
| Return on Equity (ROE) | 8.0047% | 3,036 |
| Retained earnings to average equity (ytd only) | 7.1102% | 1,914 |
| Net charge-offs to loans | 0.2165% | 4,084 |
| Credit loss provision to net charge-offs | 184.2752% | 1,598 |
| Earnings coverage of net charge-offs (x) | 10.1647% | 1,963 |
| Efficiency ratio | 60.3584% | 5,655 |
| Assets per employee ($millions) | 5.6500% | 1,466 |
| Cash dividends to net income (ytd only)* | 11.1744% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 4,718 |
| Loan loss allowance to noncurrent loans | 325.4816% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 5,998 |
| Noncurrent loans to loans | 0.4190% | 6,002 |
| Net loans and leases to total assets | 76.7475% | 874 |
| Net loans and leases to deposits | 93.9584% | 841 |
| Net loans and leases to core deposits | 131.8217% | 225 |
| Total domestic deposits to total assets | 81.6825% | 5,201 |
| Equity capital to assets | 11.1711% | 2,986 |
| Core capital (leverage) ratio | 11.1150% | 2,303 |
| Tier 1 risk-based capital ratio | 14.2020% | 4,201 |
| Total risk-based capital ratio | 15.4468% | 4,172 |
| Memoranda: | ||
| Average total assets | $329,854,750 | 1,967 |
| Average earning assets | $309,009,250 | 1,911 |
| Average equity | $38,010,000 | 1,777 |
| Average total loans | $250,684,000 | 1,685 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 2,808 |
| Cost of funding earning assets | 1.1066% | 3,190 |
| Net interest margin | 3.9668% | 3,006 |
| Noninterest income to average assets | 0.4581% | 4,214 |
| Noninterest expense to average assets | 2.5978% | 5,193 |
| Loan and lease loss provision to assets | 0.2786% | 3,150 |
| Net operating income to assets | 0.8723% | 2,756 |
| Return on assets (ROA) | 0.8723% | 2,854 |
| Pretax return on assets | 1.2946% | 2,152 |
| Return on Equity (ROE) | 7.4875% | 3,197 |
| Retained earnings to average equity (ytd only) | 6.1324% | 2,339 |
| Net charge-offs to loans | 0.2317% | 3,735 |
| Credit loss provision to net charge-offs | 159.5745% | 1,902 |
| Earnings coverage of net charge-offs (x) | 9.0106% | 1,978 |
| Efficiency ratio | 62.2829% | 5,547 |
| Assets per employee ($millions) | 5.3027% | 1,758 |
| Cash dividends to net income (ytd only)* | 18.0979% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,831 |
| Loan loss allowance to noncurrent loans | 267.9274% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 5,961 |
| Noncurrent loans to loans | 0.5041% | 5,895 |
| Net loans and leases to total assets | 78.6869% | 681 |
| Net loans and leases to deposits | 96.2554% | 705 |
| Net loans and leases to core deposits | 128.8683% | 287 |
| Total domestic deposits to total assets | 81.7480% | 5,254 |
| Equity capital to assets | 11.6285% | 2,386 |
| Core capital (leverage) ratio | 11.4621% | 1,938 |
| Tier 1 risk-based capital ratio | 14.4250% | 3,848 |
| Total risk-based capital ratio | 15.6768% | 3,819 |
| Memoranda: | ||
| Average total assets | $323,040,330 | 2,008 |
| Average earning assets | $302,362,330 | 1,959 |
| Average equity | $37,636,000 | 1,783 |
| Average total loans | $243,391,330 | 1,754 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0055% | 3,088 |
| Cost of funding earning assets | 1.1221% | 3,355 |
| Net interest margin | 3.8834% | 3,225 |
| Noninterest income to average assets | 0.5060% | 3,835 |
| Noninterest expense to average assets | 2.6023% | 5,216 |
| Loan and lease loss provision to assets | 0.2811% | 2,905 |
| Net operating income to assets | 0.8408% | 2,821 |
| Return on assets (ROA) | 0.8408% | 2,882 |
| Pretax return on assets | 1.2543% | 2,184 |
| Return on Equity (ROE) | 7.2097% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.2097% | 2,065 |
| Net charge-offs to loans | 0.1265% | 3,762 |
| Credit loss provision to net charge-offs | 304.0541% | 1,057 |
| Earnings coverage of net charge-offs (x) | 16.6081% | 1,258 |
| Efficiency ratio | 62.8925% | 5,541 |
| Assets per employee ($millions) | 5.1453% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 4,370 |
| Loan loss allowance to noncurrent loans | 700.7952% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 6,478 |
| Noncurrent loans to loans | 0.2091% | 6,554 |
| Net loans and leases to total assets | 74.3010% | 1,302 |
| Net loans and leases to deposits | 91.3230% | 1,081 |
| Net loans and leases to core deposits | 123.9837% | 343 |
| Total domestic deposits to total assets | 81.3607% | 5,544 |
| Equity capital to assets | 11.8116% | 2,036 |
| Core capital (leverage) ratio | 11.5227% | 1,833 |
| Tier 1 risk-based capital ratio | 15.4251% | 3,192 |
| Total risk-based capital ratio | 16.6780% | 3,149 |
| Memoranda: | ||
| Average total assets | $320,176,000 | 2,033 |
| Average earning assets | $299,428,000 | 1,990 |
| Average equity | $37,338,500 | 1,782 |
| Average total loans | $233,967,000 | 1,842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 3,912 |
| Cost of funding earning assets | 1.2578% | 4,161 |
| Net interest margin | 3.8806% | 3,589 |
| Noninterest income to average assets | 0.4721% | 4,371 |
| Noninterest expense to average assets | 2.5298% | 5,683 |
| Loan and lease loss provision to assets | 0.2785% | 4,581 |
| Net operating income to assets | 0.8432% | 2,620 |
| Return on assets (ROA) | 0.8432% | 2,756 |
| Pretax return on assets | 1.2560% | 2,060 |
| Return on Equity (ROE) | 7.2138% | 3,017 |
| Retained earnings to average equity (ytd only) | 5.8009% | 1,937 |
| Net charge-offs to loans | 0.4687% | 3,742 |
| Credit loss provision to net charge-offs | 78.6825% | 5,605 |
| Earnings coverage of net charge-offs (x) | 4.3358% | 2,965 |
| Efficiency ratio | 62.2451% | 5,690 |
| Assets per employee ($millions) | 5.1830% | 1,886 |
| Cash dividends to net income (ytd only)* | 19.5853% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4838% | 4,103 |
| Loan loss allowance to noncurrent loans | 394.6199% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 6,303 |
| Noncurrent loans to loans | 0.3760% | 6,296 |
| Net loans and leases to total assets | 69.7099% | 2,595 |
| Net loans and leases to deposits | 85.2954% | 2,225 |
| Net loans and leases to core deposits | 126.6655% | 379 |
| Total domestic deposits to total assets | 81.7276% | 5,278 |
| Equity capital to assets | 11.5132% | 2,252 |
| Core capital (leverage) ratio | 11.0269% | 2,140 |
| Tier 1 risk-based capital ratio | 15.7593% | 2,864 |
| Total risk-based capital ratio | 17.0120% | 2,825 |
| Memoranda: | ||
| Average total assets | $308,833,000 | 2,096 |
| Average earning assets | $285,886,200 | 2,077 |
| Average equity | $36,097,600 | 1,831 |
| Average total loans | $233,176,000 | 1,874 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 3,913 |
| Cost of funding earning assets | 1.2755% | 4,400 |
| Net interest margin | 3.9097% | 3,490 |
| Noninterest income to average assets | 0.4771% | 4,352 |
| Noninterest expense to average assets | 2.4821% | 5,775 |
| Loan and lease loss provision to assets | 0.2769% | 4,367 |
| Net operating income to assets | 0.8893% | 2,651 |
| Return on assets (ROA) | 0.8893% | 2,795 |
| Pretax return on assets | 1.3276% | 2,099 |
| Return on Equity (ROE) | 7.5785% | 3,069 |
| Retained earnings to average equity (ytd only) | 6.6307% | 2,025 |
| Net charge-offs to loans | 0.4046% | 3,673 |
| Credit loss provision to net charge-offs | 89.1854% | 4,802 |
| Earnings coverage of net charge-offs (x) | 5.1671% | 2,830 |
| Efficiency ratio | 60.7364% | 5,833 |
| Assets per employee ($millions) | 5.1719% | 1,972 |
| Cash dividends to net income (ytd only)* | 12.5061% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 4,377 |
| Loan loss allowance to noncurrent loans | 304.8359% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 6,213 |
| Noncurrent loans to loans | 0.4639% | 6,264 |
| Net loans and leases to total assets | 76.7514% | 1,271 |
| Net loans and leases to deposits | 94.0320% | 1,198 |
| Net loans and leases to core deposits | 172.9635% | 118 |
| Total domestic deposits to total assets | 81.6227% | 5,155 |
| Equity capital to assets | 11.4983% | 2,532 |
| Core capital (leverage) ratio | 11.2589% | 2,095 |
| Tier 1 risk-based capital ratio | 14.6337% | 3,438 |
| Total risk-based capital ratio | 15.8864% | 3,410 |
| Memoranda: | ||
| Average total assets | $305,705,500 | 2,152 |
| Average earning assets | $282,233,000 | 2,131 |
| Average equity | $35,872,750 | 1,861 |
| Average total loans | $234,624,500 | 1,886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1145% | 4,376 |
| Cost of funding earning assets | 1.3067% | 4,491 |
| Net interest margin | 3.8079% | 3,863 |
| Noninterest income to average assets | 0.4948% | 4,160 |
| Noninterest expense to average assets | 2.4321% | 5,971 |
| Loan and lease loss provision to assets | 0.2228% | 4,672 |
| Net operating income to assets | 0.9125% | 2,507 |
| Return on assets (ROA) | 0.9125% | 2,613 |
| Pretax return on assets | 1.3634% | 1,912 |
| Return on Equity (ROE) | 7.7208% | 3,004 |
| Retained earnings to average equity (ytd only) | 6.2858% | 2,178 |
| Net charge-offs to loans | 0.3806% | 3,457 |
| Credit loss provision to net charge-offs | 76.6590% | 4,801 |
| Earnings coverage of net charge-offs (x) | 5.4577% | 2,662 |
| Efficiency ratio | 60.5263% | 5,951 |
| Assets per employee ($millions) | 5.0044% | 2,187 |
| Cash dividends to net income (ytd only)* | 18.5860% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4398% | 4,236 |
| Loan loss allowance to noncurrent loans | 218.5162% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6008% | 5,990 |
| Noncurrent loans to loans | 0.6589% | 5,933 |
| Net loans and leases to total assets | 77.3320% | 1,228 |
| Net loans and leases to deposits | 95.5084% | 1,092 |
| Net loans and leases to core deposits | 157.1931% | 181 |
| Total domestic deposits to total assets | 80.9688% | 5,408 |
| Equity capital to assets | 11.6589% | 2,312 |
| Core capital (leverage) ratio | 11.4329% | 1,949 |
| Tier 1 risk-based capital ratio | 14.7475% | 3,298 |
| Total risk-based capital ratio | 16.0002% | 3,270 |
| Memoranda: | ||
| Average total assets | $300,722,000 | 2,196 |
| Average earning assets | $278,266,330 | 2,169 |
| Average equity | $35,540,330 | 1,880 |
| Average total loans | $229,620,000 | 1,944 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 4,559 |
| Cost of funding earning assets | 1.3463% | 4,528 |
| Net interest margin | 3.7475% | 4,020 |
| Noninterest income to average assets | 0.5190% | 3,899 |
| Noninterest expense to average assets | 2.4275% | 5,992 |
| Loan and lease loss provision to assets | 0.1825% | 4,696 |
| Net operating income to assets | 0.9272% | 2,438 |
| Return on assets (ROA) | 0.9272% | 2,504 |
| Pretax return on assets | 1.3854% | 1,817 |
| Return on Equity (ROE) | 7.7903% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.7903% | 1,797 |
| Net charge-offs to loans | 0.3790% | 2,916 |
| Credit loss provision to net charge-offs | 63.9810% | 4,228 |
| Earnings coverage of net charge-offs (x) | 5.4976% | 2,389 |
| Efficiency ratio | 60.7578% | 6,042 |
| Assets per employee ($millions) | 5.2511% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 3,550 |
| Loan loss allowance to noncurrent loans | 350.2976% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.4403% | 6,368 |
| Noncurrent loans to loans | 0.4497% | 6,400 |
| Net loans and leases to total assets | 73.7143% | 2,032 |
| Net loans and leases to deposits | 91.6129% | 1,669 |
| Net loans and leases to core deposits | 152.2997% | 230 |
| Total domestic deposits to total assets | 80.4628% | 5,635 |
| Equity capital to assets | 11.8950% | 2,109 |
| Core capital (leverage) ratio | 11.6515% | 1,829 |
| Tier 1 risk-based capital ratio | 15.9010% | 2,689 |
| Total risk-based capital ratio | 17.1556% | 2,629 |
| Memoranda: | ||
| Average total assets | $295,948,000 | 2,269 |
| Average earning assets | $274,528,500 | 2,248 |
| Average equity | $35,223,500 | 1,914 |
| Average total loans | $222,708,500 | 2,055 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2863% | 5,250 |
| Cost of funding earning assets | 1.7244% | 4,384 |
| Net interest margin | 3.5619% | 4,686 |
| Noninterest income to average assets | 0.5014% | 4,398 |
| Noninterest expense to average assets | 2.4422% | 6,330 |
| Loan and lease loss provision to assets | 0.5979% | 3,402 |
| Net operating income to assets | 0.5148% | 3,672 |
| Return on assets (ROA) | 0.5160% | 3,764 |
| Pretax return on assets | 0.7136% | 3,526 |
| Return on Equity (ROE) | 4.6118% | 3,840 |
| Retained earnings to average equity (ytd only) | 3.1278% | 2,970 |
| Net charge-offs to loans | 0.7577% | 2,926 |
| Credit loss provision to net charge-offs | 104.9031% | 5,274 |
| Earnings coverage of net charge-offs (x) | 2.2982% | 4,001 |
| Efficiency ratio | 65.0905% | 5,568 |
| Assets per employee ($millions) | 5.1331% | 2,038 |
| Cash dividends to net income (ytd only)* | 32.1788% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 3,164 |
| Loan loss allowance to noncurrent loans | 323.4978% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 6,258 |
| Noncurrent loans to loans | 0.5040% | 6,241 |
| Net loans and leases to total assets | 74.3866% | 2,169 |
| Net loans and leases to deposits | 92.6066% | 1,800 |
| Net loans and leases to core deposits | 160.9543% | 330 |
| Total domestic deposits to total assets | 80.3254% | 5,577 |
| Equity capital to assets | 11.9090% | 2,078 |
| Core capital (leverage) ratio | 10.7475% | 2,388 |
| Tier 1 risk-based capital ratio | 15.7040% | 2,640 |
| Total risk-based capital ratio | 16.9594% | 2,580 |
| Memoranda: | ||
| Average total assets | $307,754,200 | 2,174 |
| Average earning assets | $280,859,200 | 2,182 |
| Average equity | $34,433,200 | 1,954 |
| Average total loans | $231,481,400 | 2,022 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 5,648 |
| Cost of funding earning assets | 1.7793% | 4,485 |
| Net interest margin | 3.4780% | 4,958 |
| Noninterest income to average assets | 0.5118% | 4,390 |
| Noninterest expense to average assets | 2.3572% | 6,537 |
| Loan and lease loss provision to assets | 0.7425% | 2,517 |
| Net operating income to assets | 0.3663% | 4,528 |
| Return on assets (ROA) | 0.3676% | 4,627 |
| Pretax return on assets | 0.5748% | 4,281 |
| Return on Equity (ROE) | 3.3361% | 4,644 |
| Retained earnings to average equity (ytd only) | 2.3458% | 4,017 |
| Net charge-offs to loans | 0.8933% | 2,177 |
| Credit loss provision to net charge-offs | 110.6505% | 4,597 |
| Earnings coverage of net charge-offs (x) | 1.9598% | 4,346 |
| Efficiency ratio | 64.1883% | 5,711 |
| Assets per employee ($millions) | 5.4432% | 1,671 |
| Cash dividends to net income (ytd only)* | 29.6857% | 2,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5390% | 3,234 |
| Loan loss allowance to noncurrent loans | 331.6547% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.4348% | 6,368 |
| Noncurrent loans to loans | 0.4640% | 6,392 |
| Net loans and leases to total assets | 76.0472% | 1,989 |
| Net loans and leases to deposits | 93.2402% | 2,010 |
| Net loans and leases to core deposits | 187.3674% | 147 |
| Total domestic deposits to total assets | 81.5606% | 4,848 |
| Equity capital to assets | 11.1153% | 2,909 |
| Core capital (leverage) ratio | 10.5023% | 2,792 |
| Tier 1 risk-based capital ratio | 14.1963% | 3,445 |
| Total risk-based capital ratio | 15.4503% | 3,388 |
| Memoranda: | ||
| Average total assets | $311,546,500 | 2,166 |
| Average earning assets | $283,108,250 | 2,180 |
| Average equity | $34,330,500 | 1,980 |
| Average total loans | $234,039,000 | 2,026 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 6,167 |
| Cost of funding earning assets | 1.8782% | 4,378 |
| Net interest margin | 3.2969% | 5,569 |
| Noninterest income to average assets | 0.4994% | 4,453 |
| Noninterest expense to average assets | 2.3624% | 6,584 |
| Loan and lease loss provision to assets | 0.1026% | 6,145 |
| Net operating income to assets | 0.6882% | 3,307 |
| Return on assets (ROA) | 0.6904% | 3,414 |
| Pretax return on assets | 0.9994% | 3,016 |
| Return on Equity (ROE) | 6.2839% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.7902% | 2,646 |
| Net charge-offs to loans | 0.0396% | 5,915 |
| Credit loss provision to net charge-offs | 347.8261% | 1,333 |
| Earnings coverage of net charge-offs (x) | 37.2609% | 854 |
| Efficiency ratio | 68.2534% | 5,114 |
| Assets per employee ($millions) | 5.4699% | 1,607 |
| Cash dividends to net income (ytd only)* | 23.7697% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,095 |
| Loan loss allowance to noncurrent loans | 285.9953% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 6,342 |
| Noncurrent loans to loans | 0.5307% | 6,208 |
| Net loans and leases to total assets | 75.6508% | 2,270 |
| Net loans and leases to deposits | 93.4941% | 2,169 |
| Net loans and leases to core deposits | 184.8647% | 186 |
| Total domestic deposits to total assets | 80.9150% | 5,107 |
| Equity capital to assets | 11.1035% | 2,833 |
| Core capital (leverage) ratio | 10.0086% | 3,290 |
| Tier 1 risk-based capital ratio | 14.3840% | 3,313 |
| Total risk-based capital ratio | 15.6369% | 3,251 |
| Memoranda: | ||
| Average total assets | $311,973,670 | 2,185 |
| Average earning assets | $280,265,670 | 2,223 |
| Average equity | $34,278,330 | 1,974 |
| Average total loans | $232,173,330 | 2,067 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1677% | 6,420 |
| Cost of funding earning assets | 2.0416% | 3,915 |
| Net interest margin | 3.1261% | 6,119 |
| Noninterest income to average assets | 0.5012% | 4,311 |
| Noninterest expense to average assets | 2.2700% | 6,630 |
| Loan and lease loss provision to assets | 0.0961% | 5,731 |
| Net operating income to assets | 0.6467% | 3,810 |
| Return on assets (ROA) | 0.6511% | 3,980 |
| Pretax return on assets | 0.9383% | 3,572 |
| Return on Equity (ROE) | 5.9575% | 4,054 |
| Retained earnings to average equity (ytd only) | 5.9575% | 2,646 |
| Net charge-offs to loans | 0.0490% | 4,794 |
| Credit loss provision to net charge-offs | 267.8571% | 1,772 |
| Earnings coverage of net charge-offs (x) | 28.6429% | 1,099 |
| Efficiency ratio | 68.8302% | 4,811 |
| Assets per employee ($millions) | 5.4999% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,667 |
| Loan loss allowance to noncurrent loans | 1,077.9456% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 7,271 |
| Noncurrent loans to loans | 0.1453% | 7,103 |
| Net loans and leases to total assets | 71.5192% | 3,347 |
| Net loans and leases to deposits | 88.1831% | 3,259 |
| Net loans and leases to core deposits | 169.7923% | 348 |
| Total domestic deposits to total assets | 81.1030% | 4,925 |
| Equity capital to assets | 10.9578% | 3,001 |
| Core capital (leverage) ratio | 10.9210% | 2,566 |
| Tier 1 risk-based capital ratio | 14.7910% | 3,159 |
| Total risk-based capital ratio | 16.0452% | 3,088 |
| Memoranda: | ||
| Average total assets | $312,068,500 | 2,202 |
| Average earning assets | $279,198,000 | 2,242 |
| Average equity | $34,108,000 | 1,996 |
| Average total loans | $228,509,000 | 2,112 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2982% | 3,971 |
| Cost of funding earning assets | 2.8696% | 2,395 |
| Net interest margin | 3.4286% | 5,547 |
| Noninterest income to average assets | 0.5752% | 4,049 |
| Noninterest expense to average assets | 2.2144% | 6,930 |
| Loan and lease loss provision to assets | 0.1535% | 5,400 |
| Net operating income to assets | 0.9198% | 2,916 |
| Return on assets (ROA) | 0.9209% | 2,762 |
| Pretax return on assets | 1.3817% | 2,021 |
| Return on Equity (ROE) | 8.6821% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.1224% | 1,112 |
| Net charge-offs to loans | 0.1057% | 5,239 |
| Credit loss provision to net charge-offs | 197.0954% | 2,484 |
| Earnings coverage of net charge-offs (x) | 19.6929% | 1,612 |
| Efficiency ratio | 59.0827% | 6,517 |
| Assets per employee ($millions) | 5.4499% | 1,496 |
| Cash dividends to net income (ytd only)* | 17.9649% | 4,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 2,521 |
| Loan loss allowance to noncurrent loans | 1,128.5256% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 7,167 |
| Noncurrent loans to loans | 0.1361% | 7,005 |
| Net loans and leases to total assets | 72.6624% | 3,445 |
| Net loans and leases to deposits | 89.4834% | 3,536 |
| Net loans and leases to core deposits | 160.8380% | 558 |
| Total domestic deposits to total assets | 81.2022% | 4,560 |
| Equity capital to assets | 10.9013% | 3,118 |
| Core capital (leverage) ratio | 9.0816% | 4,627 |
| Tier 1 risk-based capital ratio | 14.1601% | 3,472 |
| Total risk-based capital ratio | 15.4137% | 3,390 |
| Memoranda: | ||
| Average total assets | $309,475,000 | 2,154 |
| Average earning assets | $286,383,200 | 2,123 |
| Average equity | $32,826,200 | 2,063 |
| Average total loans | $227,913,200 | 2,064 |