Home > First State Bank of Porter > Performance and Condition Ratios
First State Bank of Porter, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7157% | 3,596 |
| Cost of funding earning assets | 1.4193% | 3,374 |
| Net interest margin | 3.2964% | 2,781 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.6644% | 1,861 |
| Loan and lease loss provision to assets | -0.0700% | 4,307 |
| Net operating income to assets | 0.7221% | 3,047 |
| Return on assets (ROA) | 0.7221% | 3,057 |
| Pretax return on assets | 0.7595% | 3,279 |
| Return on Equity (ROE) | 5.6400% | 3,413 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,378 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 79.5539% | 972 |
| Assets per employee ($millions) | 5.1066% | 3,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.8000% | 3,676 |
| Net loans and leases to deposits | 55.3091% | 3,683 |
| Net loans and leases to core deposits | 60.6045% | 3,670 |
| Total domestic deposits to total assets | 86.4300% | 2,141 |
| Equity capital to assets | 12.9919% | 918 |
| Core capital (leverage) ratio | 16.0604% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $160,638,500 | 3,289 |
| Average earning assets | $146,828,000 | 3,295 |
| Average equity | $20,578,500 | 2,976 |
| Average total loans | $77,418,500 | 3,476 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 3,784 |
| Cost of funding earning assets | 1.3934% | 3,532 |
| Net interest margin | 3.1845% | 2,756 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.5461% | 2,174 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.7211% | 2,916 |
| Return on assets (ROA) | 0.7211% | 2,934 |
| Pretax return on assets | 0.7336% | 3,190 |
| Return on Equity (ROE) | 5.5600% | 3,384 |
| Retained earnings to average equity (ytd only) | 3.1190% | 2,995 |
| Net charge-offs to loans | 0.0064% | 2,689 |
| Credit loss provision to net charge-offs | -460.0000% | 4,426 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 461 |
| Efficiency ratio | 77.9285% | 1,211 |
| Assets per employee ($millions) | 5.2571% | 3,466 |
| Cash dividends to net income (ytd only)* | 43.8961% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 1,443 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 47.2900% | 3,758 |
| Net loans and leases to deposits | 54.4711% | 3,779 |
| Net loans and leases to core deposits | 59.3641% | 3,775 |
| Total domestic deposits to total assets | 86.8200% | 1,930 |
| Equity capital to assets | 12.6341% | 993 |
| Core capital (leverage) ratio | 15.9942% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $160,164,400 | 3,275 |
| Average earning assets | $146,335,400 | 3,288 |
| Average equity | $20,775,600 | 2,920 |
| Average total loans | $78,553,400 | 3,437 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5142% | 3,762 |
| Cost of funding earning assets | 1.3063% | 3,610 |
| Net interest margin | 3.2079% | 2,619 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.5860% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7081% | 2,919 |
| Return on assets (ROA) | 0.7081% | 2,937 |
| Pretax return on assets | 0.7157% | 3,198 |
| Return on Equity (ROE) | 5.5100% | 3,403 |
| Retained earnings to average equity (ytd only) | 3.9756% | 2,716 |
| Net charge-offs to loans | 0.0051% | 2,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 284.5000% | 398 |
| Efficiency ratio | 78.3238% | 1,257 |
| Assets per employee ($millions) | 5.1398% | 3,514 |
| Cash dividends to net income (ytd only)* | 27.8863% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3883% | 1,418 |
| Loan loss allowance to noncurrent loans | 754.8611% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,022 |
| Noncurrent loans to loans | 0.1839% | 2,772 |
| Net loans and leases to total assets | 48.4600% | 3,727 |
| Net loans and leases to deposits | 55.8738% | 3,752 |
| Net loans and leases to core deposits | 60.4949% | 3,746 |
| Total domestic deposits to total assets | 86.7300% | 1,748 |
| Equity capital to assets | 12.7168% | 949 |
| Core capital (leverage) ratio | 15.9175% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $159,012,000 | 3,292 |
| Average earning assets | $145,453,000 | 3,300 |
| Average equity | $20,424,667 | 2,905 |
| Average total loans | $78,692,333 | 3,447 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 3,679 |
| Cost of funding earning assets | 1.2316% | 3,670 |
| Net interest margin | 3.2696% | 2,402 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.6163% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7479% | 2,692 |
| Return on assets (ROA) | 0.7479% | 2,711 |
| Pretax return on assets | 0.7655% | 3,006 |
| Return on Equity (ROE) | 5.7900% | 3,278 |
| Retained earnings to average equity (ytd only) | 5.7934% | 2,165 |
| Net charge-offs to loans | 0.0051% | 1,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 304.0000% | 304 |
| Efficiency ratio | 77.3641% | 1,416 |
| Assets per employee ($millions) | 5.4597% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,467 |
| Loan loss allowance to noncurrent loans | 755.5556% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 3,022 |
| Noncurrent loans to loans | 0.1820% | 2,711 |
| Net loans and leases to total assets | 49.2800% | 3,646 |
| Net loans and leases to deposits | 56.9158% | 3,680 |
| Net loans and leases to core deposits | 60.7606% | 3,745 |
| Total domestic deposits to total assets | 86.5800% | 1,912 |
| Equity capital to assets | 12.8673% | 896 |
| Core capital (leverage) ratio | 15.8903% | 492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $158,851,500 | 3,297 |
| Average earning assets | $145,826,500 | 3,309 |
| Average equity | $20,506,000 | 2,916 |
| Average total loans | $78,889,000 | 3,448 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2683% | 3,488 |
| Cost of funding earning assets | 0.8528% | 3,609 |
| Net interest margin | 3.4155% | 2,373 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.5823% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8933% | 2,570 |
| Return on assets (ROA) | 0.8765% | 2,587 |
| Pretax return on assets | 0.9206% | 2,908 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 4.2002% | 2,891 |
| Net charge-offs to loans | 0.0038% | 2,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 496.3333% | 294 |
| Efficiency ratio | 73.3488% | 1,522 |
| Assets per employee ($millions) | 5.4956% | 3,257 |
| Cash dividends to net income (ytd only)* | 41.6966% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 1,443 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 48.6800% | 3,686 |
| Net loans and leases to deposits | 56.2392% | 3,699 |
| Net loans and leases to core deposits | 58.8835% | 3,806 |
| Total domestic deposits to total assets | 86.5600% | 1,829 |
| Equity capital to assets | 12.9502% | 866 |
| Core capital (leverage) ratio | 15.5328% | 539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,696,800 | 3,284 |
| Average earning assets | $145,865,600 | 3,287 |
| Average equity | $19,308,600 | 2,922 |
| Average total loans | $78,839,800 | 3,425 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2091% | 3,452 |
| Cost of funding earning assets | 0.7604% | 3,633 |
| Net interest margin | 3.4487% | 2,341 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 2.5955% | 1,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9080% | 2,651 |
| Return on assets (ROA) | 0.8856% | 2,719 |
| Pretax return on assets | 0.9302% | 3,033 |
| Return on Equity (ROE) | 7.4000% | 3,330 |
| Retained earnings to average equity (ytd only) | 6.1339% | 2,591 |
| Net charge-offs to loans | 0.0034% | 2,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 567.0000% | 277 |
| Efficiency ratio | 73.1280% | 1,438 |
| Assets per employee ($millions) | 5.0842% | 3,540 |
| Cash dividends to net income (ytd only)* | 17.0940% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,375 |
| Loan loss allowance to noncurrent loans | 480.5195% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 2,596 |
| Noncurrent loans to loans | 0.2952% | 2,182 |
| Net loans and leases to total assets | 48.9400% | 3,687 |
| Net loans and leases to deposits | 55.3626% | 3,738 |
| Net loans and leases to core deposits | 58.5268% | 3,763 |
| Total domestic deposits to total assets | 88.3900% | 1,450 |
| Equity capital to assets | 11.0830% | 1,314 |
| Core capital (leverage) ratio | 15.6546% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $158,528,000 | 3,303 |
| Average earning assets | $145,711,750 | 3,299 |
| Average equity | $18,976,000 | 2,938 |
| Average total loans | $78,882,000 | 3,434 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,456 |
| Cost of funding earning assets | 0.6414% | 3,655 |
| Net interest margin | 3.4750% | 2,329 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.6103% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9190% | 2,691 |
| Return on assets (ROA) | 0.8852% | 2,798 |
| Pretax return on assets | 0.9268% | 3,104 |
| Return on Equity (ROE) | 7.2200% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.3700% | 2,834 |
| Net charge-offs to loans | 0.0025% | 2,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 764.0000% | 198 |
| Efficiency ratio | 73.0701% | 1,450 |
| Assets per employee ($millions) | 5.1802% | 3,430 |
| Cash dividends to net income (ytd only)* | 25.6046% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 1,374 |
| Loan loss allowance to noncurrent loans | 785.4167% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,908 |
| Noncurrent loans to loans | 0.1839% | 2,554 |
| Net loans and leases to total assets | 48.0500% | 3,684 |
| Net loans and leases to deposits | 55.1035% | 3,691 |
| Net loans and leases to core deposits | 57.9465% | 3,722 |
| Total domestic deposits to total assets | 87.2100% | 1,866 |
| Equity capital to assets | 12.3224% | 967 |
| Core capital (leverage) ratio | 15.6931% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $158,833,667 | 3,308 |
| Average earning assets | $146,244,333 | 3,308 |
| Average equity | $19,478,667 | 2,909 |
| Average total loans | $79,096,333 | 3,430 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1270% | 3,194 |
| Cost of funding earning assets | 0.5354% | 3,575 |
| Net interest margin | 3.5915% | 2,151 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 2.6716% | 1,743 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9404% | 2,717 |
| Return on assets (ROA) | 0.9091% | 2,780 |
| Pretax return on assets | 0.9598% | 3,102 |
| Return on Equity (ROE) | 7.4300% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.4312% | 2,381 |
| Net charge-offs to loans | 0.0050% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 392.0000% | 280 |
| Efficiency ratio | 72.9095% | 1,446 |
| Assets per employee ($millions) | 5.2208% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,535 |
| Loan loss allowance to noncurrent loans | 790.9091% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 2,898 |
| Noncurrent loans to loans | 0.1797% | 2,581 |
| Net loans and leases to total assets | 50.0700% | 3,488 |
| Net loans and leases to deposits | 57.7074% | 3,468 |
| Net loans and leases to core deposits | 59.1234% | 3,581 |
| Total domestic deposits to total assets | 86.7700% | 2,351 |
| Equity capital to assets | 12.7125% | 823 |
| Core capital (leverage) ratio | 15.3657% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $157,957,500 | 3,353 |
| Average earning assets | $145,675,500 | 3,351 |
| Average equity | $19,324,000 | 2,950 |
| Average total loans | $79,495,000 | 3,461 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 2,865 |
| Cost of funding earning assets | 0.2086% | 3,690 |
| Net interest margin | 3.3675% | 2,353 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.4465% | 2,279 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.9409% | 2,810 |
| Return on assets (ROA) | 0.9409% | 2,750 |
| Pretax return on assets | 0.9999% | 3,078 |
| Return on Equity (ROE) | 7.5400% | 3,510 |
| Retained earnings to average equity (ytd only) | 4.2696% | 3,312 |
| Net charge-offs to loans | 0.0013% | 2,520 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 1,674.0000% | 100 |
| Efficiency ratio | 70.8006% | 1,585 |
| Assets per employee ($millions) | 5.1384% | 3,566 |
| Cash dividends to net income (ytd only)* | 43.3696% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,416 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 49.1500% | 3,571 |
| Net loans and leases to deposits | 56.7533% | 3,529 |
| Net loans and leases to core deposits | 57.8417% | 3,626 |
| Total domestic deposits to total assets | 86.6100% | 2,531 |
| Equity capital to assets | 11.7628% | 1,004 |
| Core capital (leverage) ratio | 15.0137% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $165,910,000 | 3,296 |
| Average earning assets | $153,437,400 | 3,290 |
| Average equity | $20,704,400 | 2,885 |
| Average total loans | $77,535,600 | 3,444 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 2,697 |
| Cost of funding earning assets | 0.1847% | 3,456 |
| Net interest margin | 3.2898% | 2,327 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 2.4165% | 2,270 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.9015% | 2,858 |
| Return on assets (ROA) | 0.9015% | 2,837 |
| Pretax return on assets | 0.9532% | 3,168 |
| Return on Equity (ROE) | 7.1300% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.0135% | 2,753 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.4588% | 1,595 |
| Assets per employee ($millions) | 5.2704% | 3,444 |
| Cash dividends to net income (ytd only)* | 15.6222% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 1,404 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.6300% | 3,724 |
| Net loans and leases to deposits | 52.4752% | 3,701 |
| Net loans and leases to core deposits | 53.4362% | 3,780 |
| Total domestic deposits to total assets | 88.8600% | 2,149 |
| Equity capital to assets | 10.7722% | 1,263 |
| Core capital (leverage) ratio | 14.7087% | 580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $167,565,000 | 3,309 |
| Average earning assets | $155,182,000 | 3,305 |
| Average equity | $21,196,250 | 2,877 |
| Average total loans | $77,062,000 | 3,471 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 2,511 |
| Cost of funding earning assets | 0.1847% | 3,117 |
| Net interest margin | 3.1876% | 2,232 |
| Noninterest income to average assets | 0.3184% | 3,265 |
| Noninterest expense to average assets | 2.3816% | 2,291 |
| Loan and lease loss provision to assets | 0.0178% | 2,283 |
| Net operating income to assets | 0.8428% | 2,807 |
| Return on assets (ROA) | 0.8428% | 2,779 |
| Pretax return on assets | 0.8819% | 3,113 |
| Return on Equity (ROE) | 6.3586% | 3,483 |
| Retained earnings to average equity (ytd only) | 4.7779% | 2,788 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5830% | 1,680 |
| Assets per employee ($millions) | 5.2449% | 3,480 |
| Cash dividends to net income (ytd only)* | 24.8596% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4679% | 1,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 45.3139% | 3,748 |
| Net loans and leases to deposits | 51.4515% | 3,730 |
| Net loans and leases to core deposits | 52.5569% | 3,784 |
| Total domestic deposits to total assets | 88.0712% | 2,549 |
| Equity capital to assets | 11.5743% | 1,009 |
| Core capital (leverage) ratio | 14.7031% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $168,959,000 | 3,342 |
| Average earning assets | $157,044,667 | 3,336 |
| Average equity | $22,395,000 | 2,859 |
| Average total loans | $76,977,000 | 3,505 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3027% | 2,381 |
| Cost of funding earning assets | 0.1973% | 2,838 |
| Net interest margin | 3.1054% | 2,161 |
| Noninterest income to average assets | 0.3091% | 3,253 |
| Noninterest expense to average assets | 2.3714% | 2,265 |
| Loan and lease loss provision to assets | 0.0354% | 1,727 |
| Net operating income to assets | 0.7763% | 2,743 |
| Return on assets (ROA) | 0.7763% | 2,738 |
| Pretax return on assets | 0.7999% | 3,111 |
| Return on Equity (ROE) | 5.5110% | 3,482 |
| Retained earnings to average equity (ytd only) | 5.5110% | 2,409 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9514% | 1,745 |
| Assets per employee ($millions) | 5.1749% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,662 |
| Loan loss allowance to noncurrent loans | 781.3793% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 3,199 |
| Noncurrent loans to loans | 0.1877% | 2,881 |
| Net loans and leases to total assets | 45.9688% | 3,581 |
| Net loans and leases to deposits | 53.2932% | 3,472 |
| Net loans and leases to core deposits | 54.3825% | 3,566 |
| Total domestic deposits to total assets | 86.2564% | 3,174 |
| Equity capital to assets | 13.3752% | 627 |
| Core capital (leverage) ratio | 14.6844% | 478 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,519,500 | 3,351 |
| Average earning assets | $158,174,500 | 3,347 |
| Average equity | $23,879,500 | 2,843 |
| Average total loans | $76,872,000 | 3,512 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 2,817 |
| Cost of funding earning assets | 0.3079% | 2,323 |
| Net interest margin | 3.1373% | 2,772 |
| Noninterest income to average assets | 0.3185% | 3,504 |
| Noninterest expense to average assets | 2.3650% | 2,604 |
| Loan and lease loss provision to assets | 0.0243% | 2,579 |
| Net operating income to assets | 0.8280% | 3,244 |
| Return on assets (ROA) | 0.8280% | 3,320 |
| Pretax return on assets | 0.8650% | 3,585 |
| Return on Equity (ROE) | 5.3369% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.9793% | 3,638 |
| Net charge-offs to loans | 0.0585% | 1,202 |
| Credit loss provision to net charge-offs | 88.8889% | 1,888 |
| Earnings coverage of net charge-offs (x) | 32.5778% | 1,553 |
| Efficiency ratio | 72.6747% | 1,436 |
| Assets per employee ($millions) | 5.4201% | 3,335 |
| Cash dividends to net income (ytd only)* | 44.1758% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4617% | 1,690 |
| Loan loss allowance to noncurrent loans | 771.0345% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 3,355 |
| Noncurrent loans to loans | 0.1896% | 2,999 |
| Net loans and leases to total assets | 43.4554% | 3,878 |
| Net loans and leases to deposits | 51.1826% | 3,786 |
| Net loans and leases to core deposits | 52.2902% | 3,873 |
| Total domestic deposits to total assets | 84.9027% | 3,301 |
| Equity capital to assets | 14.7657% | 527 |
| Core capital (leverage) ratio | 14.6292% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,859,800 | 3,348 |
| Average earning assets | $154,272,600 | 3,330 |
| Average equity | $25,576,800 | 2,809 |
| Average total loans | $76,969,800 | 3,523 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5156% | 2,782 |
| Cost of funding earning assets | 0.3374% | 2,228 |
| Net interest margin | 3.1781% | 2,799 |
| Noninterest income to average assets | 0.3237% | 3,492 |
| Noninterest expense to average assets | 2.3828% | 2,492 |
| Loan and lease loss provision to assets | 0.0197% | 2,610 |
| Net operating income to assets | 0.8489% | 3,390 |
| Return on assets (ROA) | 0.8489% | 3,450 |
| Pretax return on assets | 0.8923% | 3,712 |
| Return on Equity (ROE) | 5.4023% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.6567% | 3,352 |
| Net charge-offs to loans | 0.0744% | 911 |
| Credit loss provision to net charge-offs | 55.8140% | 1,826 |
| Earnings coverage of net charge-offs (x) | 25.8837% | 1,606 |
| Efficiency ratio | 72.3203% | 1,373 |
| Assets per employee ($millions) | 5.1556% | 3,550 |
| Cash dividends to net income (ytd only)* | 13.8031% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,704 |
| Loan loss allowance to noncurrent loans | 761.3793% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,512 |
| Noncurrent loans to loans | 0.1946% | 3,169 |
| Net loans and leases to total assets | 44.5063% | 3,908 |
| Net loans and leases to deposits | 53.0175% | 3,809 |
| Net loans and leases to core deposits | 54.2434% | 3,902 |
| Total domestic deposits to total assets | 83.9464% | 3,468 |
| Equity capital to assets | 15.5977% | 458 |
| Core capital (leverage) ratio | 15.1683% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,714,250 | 3,406 |
| Average earning assets | $152,120,250 | 3,391 |
| Average equity | $25,568,500 | 2,842 |
| Average total loans | $77,090,250 | 3,579 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5919% | 2,650 |
| Cost of funding earning assets | 0.3753% | 2,089 |
| Net interest margin | 3.2166% | 2,706 |
| Noninterest income to average assets | 0.3272% | 3,466 |
| Noninterest expense to average assets | 2.3981% | 2,474 |
| Loan and lease loss provision to assets | 0.0296% | 2,383 |
| Net operating income to assets | 0.8582% | 3,341 |
| Return on assets (ROA) | 0.8582% | 3,419 |
| Pretax return on assets | 0.9052% | 3,650 |
| Return on Equity (ROE) | 5.4481% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.3271% | 3,423 |
| Net charge-offs to loans | 0.0026% | 2,104 |
| Credit loss provision to net charge-offs | 2,400.0000% | 255 |
| Earnings coverage of net charge-offs (x) | 757.0000% | 185 |
| Efficiency ratio | 71.9526% | 1,441 |
| Assets per employee ($millions) | 5.0855% | 3,579 |
| Cash dividends to net income (ytd only)* | 20.5755% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 1,441 |
| Loan loss allowance to noncurrent loans | 226.4822% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 2,364 |
| Noncurrent loans to loans | 0.6816% | 1,717 |
| Net loans and leases to total assets | 44.9108% | 3,981 |
| Net loans and leases to deposits | 53.6947% | 3,878 |
| Net loans and leases to core deposits | 54.8266% | 3,973 |
| Total domestic deposits to total assets | 83.6410% | 3,535 |
| Equity capital to assets | 15.8330% | 430 |
| Core capital (leverage) ratio | 15.2351% | 447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,959,333 | 3,416 |
| Average earning assets | $151,339,667 | 3,399 |
| Average equity | $25,513,667 | 2,838 |
| Average total loans | $77,943,667 | 3,582 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 2,438 |
| Cost of funding earning assets | 0.4083% | 2,025 |
| Net interest margin | 3.2615% | 2,510 |
| Noninterest income to average assets | 0.3169% | 3,507 |
| Noninterest expense to average assets | 2.4905% | 2,201 |
| Loan and lease loss provision to assets | 0.0594% | 1,934 |
| Net operating income to assets | 0.7798% | 3,483 |
| Return on assets (ROA) | 0.7798% | 3,550 |
| Pretax return on assets | 0.8120% | 3,788 |
| Return on Equity (ROE) | 4.9631% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.9631% | 3,230 |
| Net charge-offs to loans | 0.0050% | 1,731 |
| Credit loss provision to net charge-offs | 2,400.0000% | 218 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 261 |
| Efficiency ratio | 74.0795% | 1,302 |
| Assets per employee ($millions) | 4.9151% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,813 |
| Loan loss allowance to noncurrent loans | 144.3325% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 1,921 |
| Noncurrent loans to loans | 0.9966% | 1,349 |
| Net loans and leases to total assets | 48.4140% | 3,766 |
| Net loans and leases to deposits | 57.6490% | 3,664 |
| Net loans and leases to core deposits | 58.8717% | 3,775 |
| Total domestic deposits to total assets | 83.9806% | 3,439 |
| Equity capital to assets | 15.5453% | 436 |
| Core capital (leverage) ratio | 15.1206% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,571,000 | 3,418 |
| Average earning assets | $150,851,500 | 3,407 |
| Average equity | $25,387,500 | 2,846 |
| Average total loans | $79,799,500 | 3,563 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 2,592 |
| Cost of funding earning assets | 0.5924% | 2,368 |
| Net interest margin | 3.4560% | 2,613 |
| Noninterest income to average assets | 0.3225% | 3,530 |
| Noninterest expense to average assets | 2.4738% | 2,930 |
| Loan and lease loss provision to assets | 0.0612% | 3,606 |
| Net operating income to assets | 0.9154% | 2,630 |
| Return on assets (ROA) | 0.9154% | 2,765 |
| Pretax return on assets | 1.0049% | 3,030 |
| Return on Equity (ROE) | 5.5832% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.2752% | 3,190 |
| Net charge-offs to loans | 0.0359% | 2,336 |
| Credit loss provision to net charge-offs | 310.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 1,132 |
| Efficiency ratio | 69.8829% | 1,963 |
| Assets per employee ($millions) | 5.0295% | 3,363 |
| Cash dividends to net income (ytd only)* | 41.3372% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 1,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.9633% | 3,907 |
| Net loans and leases to deposits | 58.4443% | 3,865 |
| Net loans and leases to core deposits | 59.7113% | 3,963 |
| Total domestic deposits to total assets | 83.7777% | 3,176 |
| Equity capital to assets | 15.8818% | 441 |
| Core capital (leverage) ratio | 15.0396% | 502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,951,800 | 3,381 |
| Average earning assets | $141,465,400 | 3,366 |
| Average equity | $24,914,200 | 2,810 |
| Average total loans | $83,534,000 | 3,502 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 2,410 |
| Cost of funding earning assets | 0.6236% | 2,470 |
| Net interest margin | 3.5724% | 2,352 |
| Noninterest income to average assets | 0.3251% | 3,541 |
| Noninterest expense to average assets | 2.5258% | 2,758 |
| Loan and lease loss provision to assets | 0.0648% | 3,526 |
| Net operating income to assets | 0.9690% | 2,455 |
| Return on assets (ROA) | 0.9690% | 2,587 |
| Pretax return on assets | 1.0607% | 2,876 |
| Return on Equity (ROE) | 5.8605% | 3,599 |
| Retained earnings to average equity (ytd only) | 5.1872% | 2,478 |
| Net charge-offs to loans | 0.0458% | 1,964 |
| Credit loss provision to net charge-offs | 251.7241% | 1,915 |
| Earnings coverage of net charge-offs (x) | 43.5862% | 1,294 |
| Efficiency ratio | 69.1707% | 2,012 |
| Assets per employee ($millions) | 4.7900% | 3,497 |
| Cash dividends to net income (ytd only)* | 11.4890% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 51.9887% | 3,968 |
| Net loans and leases to deposits | 62.3395% | 3,913 |
| Net loans and leases to core deposits | 63.9665% | 4,011 |
| Total domestic deposits to total assets | 83.3961% | 3,027 |
| Equity capital to assets | 16.1554% | 453 |
| Core capital (leverage) ratio | 15.5369% | 463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $149,703,500 | 3,397 |
| Average earning assets | $139,397,000 | 3,375 |
| Average equity | $24,752,500 | 2,809 |
| Average total loans | $84,435,750 | 3,513 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,826 |
| Cost of funding earning assets | 0.6565% | 2,651 |
| Net interest margin | 3.5229% | 2,716 |
| Noninterest income to average assets | 0.3294% | 3,498 |
| Noninterest expense to average assets | 2.5620% | 2,791 |
| Loan and lease loss provision to assets | 0.0545% | 3,620 |
| Net operating income to assets | 0.9107% | 2,649 |
| Return on assets (ROA) | 0.9107% | 2,771 |
| Pretax return on assets | 0.9856% | 3,070 |
| Return on Equity (ROE) | 5.4632% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.4424% | 2,732 |
| Net charge-offs to loans | 0.0660% | 1,586 |
| Credit loss provision to net charge-offs | 142.8571% | 2,161 |
| Earnings coverage of net charge-offs (x) | 27.2857% | 1,496 |
| Efficiency ratio | 71.1262% | 1,803 |
| Assets per employee ($millions) | 4.6775% | 3,559 |
| Cash dividends to net income (ytd only)* | 18.6846% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,354 |
| Loan loss allowance to noncurrent loans | 794.0741% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 4,092 |
| Noncurrent loans to loans | 0.1548% | 3,836 |
| Net loans and leases to total assets | 55.7918% | 3,706 |
| Net loans and leases to deposits | 66.9418% | 3,644 |
| Net loans and leases to core deposits | 68.8674% | 3,801 |
| Total domestic deposits to total assets | 83.3437% | 2,975 |
| Equity capital to assets | 16.2456% | 439 |
| Core capital (leverage) ratio | 15.8622% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,914,333 | 3,405 |
| Average earning assets | $136,477,667 | 3,395 |
| Average equity | $24,491,000 | 2,813 |
| Average total loans | $84,820,000 | 3,505 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3446% | 2,785 |
| Cost of funding earning assets | 0.6965% | 2,942 |
| Net interest margin | 3.6482% | 2,518 |
| Noninterest income to average assets | 0.3604% | 3,360 |
| Noninterest expense to average assets | 2.7180% | 2,663 |
| Loan and lease loss provision to assets | 0.0251% | 3,483 |
| Net operating income to assets | 0.9218% | 2,450 |
| Return on assets (ROA) | 0.9218% | 2,558 |
| Pretax return on assets | 0.9973% | 2,848 |
| Return on Equity (ROE) | 5.4549% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.4549% | 2,084 |
| Net charge-offs to loans | 0.1387% | 905 |
| Credit loss provision to net charge-offs | 31.0345% | 2,152 |
| Earnings coverage of net charge-offs (x) | 12.6207% | 1,685 |
| Efficiency ratio | 72.6662% | 1,978 |
| Assets per employee ($millions) | 4.3530% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 4,193 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 57.0871% | 3,748 |
| Net loans and leases to deposits | 69.2154% | 3,648 |
| Net loans and leases to core deposits | 71.2282% | 3,800 |
| Total domestic deposits to total assets | 82.4774% | 3,270 |
| Equity capital to assets | 17.0603% | 436 |
| Core capital (leverage) ratio | 16.4730% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,193,500 | 3,423 |
| Average earning assets | $132,669,500 | 3,414 |
| Average equity | $24,198,500 | 2,836 |
| Average total loans | $83,635,000 | 3,525 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4884% | 2,986 |
| Cost of funding earning assets | 0.6534% | 3,394 |
| Net interest margin | 3.8350% | 2,388 |
| Noninterest income to average assets | 0.3640% | 3,524 |
| Noninterest expense to average assets | 2.6665% | 2,978 |
| Loan and lease loss provision to assets | 0.1223% | 1,731 |
| Net operating income to assets | 1.0700% | 2,578 |
| Return on assets (ROA) | 1.0700% | 2,674 |
| Pretax return on assets | 1.1343% | 3,060 |
| Return on Equity (ROE) | 6.5308% | 3,733 |
| Retained earnings to average equity (ytd only) | 3.9426% | 2,993 |
| Net charge-offs to loans | 0.2225% | 917 |
| Credit loss provision to net charge-offs | 96.1111% | 2,571 |
| Earnings coverage of net charge-offs (x) | 9.8778% | 2,621 |
| Efficiency ratio | 67.9697% | 2,464 |
| Assets per employee ($millions) | 4.1982% | 3,637 |
| Cash dividends to net income (ytd only)* | 39.6301% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 2,124 |
| Loan loss allowance to noncurrent loans | 726.0274% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 4,114 |
| Noncurrent loans to loans | 0.1733% | 3,841 |
| Net loans and leases to total assets | 58.2641% | 3,751 |
| Net loans and leases to deposits | 70.3268% | 3,640 |
| Net loans and leases to core deposits | 72.5356% | 3,823 |
| Total domestic deposits to total assets | 82.8476% | 3,249 |
| Equity capital to assets | 16.7370% | 501 |
| Core capital (leverage) ratio | 16.2071% | 494 |
| Tier 1 risk-based capital ratio | 26.3413% | 655 |
| Total risk-based capital ratio | 27.5565% | 645 |
| Memoranda: | ||
| Average total assets | $141,497,000 | 3,415 |
| Average earning assets | $131,316,800 | 3,400 |
| Average equity | $23,182,400 | 2,857 |
| Average total loans | $80,916,800 | 3,584 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 3,095 |
| Cost of funding earning assets | 0.6317% | 3,528 |
| Net interest margin | 3.8560% | 2,414 |
| Noninterest income to average assets | 0.3617% | 3,561 |
| Noninterest expense to average assets | 2.6886% | 2,900 |
| Loan and lease loss provision to assets | 0.1265% | 1,530 |
| Net operating income to assets | 1.0681% | 2,699 |
| Return on assets (ROA) | 1.0681% | 2,785 |
| Pretax return on assets | 1.1266% | 3,214 |
| Return on Equity (ROE) | 6.5548% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.3957% | 2,679 |
| Net charge-offs to loans | 0.2963% | 589 |
| Credit loss provision to net charge-offs | 75.2809% | 2,564 |
| Earnings coverage of net charge-offs (x) | 7.4550% | 2,740 |
| Efficiency ratio | 68.2080% | 2,378 |
| Assets per employee ($millions) | 4.3451% | 3,424 |
| Cash dividends to net income (ytd only)* | 17.6835% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 2,341 |
| Loan loss allowance to noncurrent loans | 700.6849% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 3,449 |
| Noncurrent loans to loans | 0.1753% | 3,909 |
| Net loans and leases to total assets | 57.3678% | 3,936 |
| Net loans and leases to deposits | 69.3055% | 3,812 |
| Net loans and leases to core deposits | 71.3203% | 3,987 |
| Total domestic deposits to total assets | 82.7753% | 3,233 |
| Equity capital to assets | 16.7316% | 514 |
| Core capital (leverage) ratio | 16.2916% | 522 |
| Tier 1 risk-based capital ratio | 26.4566% | 679 |
| Total risk-based capital ratio | 27.6337% | 669 |
| Memoranda: | ||
| Average total assets | $141,186,750 | 3,451 |
| Average earning assets | $131,082,000 | 3,441 |
| Average equity | $23,005,500 | 2,888 |
| Average total loans | $80,089,750 | 3,638 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 3,049 |
| Cost of funding earning assets | 0.6035% | 3,633 |
| Net interest margin | 3.8854% | 2,283 |
| Noninterest income to average assets | 0.3560% | 3,548 |
| Noninterest expense to average assets | 2.7013% | 2,902 |
| Loan and lease loss provision to assets | 0.0797% | 2,236 |
| Net operating income to assets | 1.1121% | 2,478 |
| Return on assets (ROA) | 1.1121% | 2,549 |
| Pretax return on assets | 1.1776% | 2,989 |
| Return on Equity (ROE) | 6.8880% | 3,719 |
| Retained earnings to average equity (ytd only) | 5.1241% | 2,707 |
| Net charge-offs to loans | 0.0101% | 2,767 |
| Credit loss provision to net charge-offs | 1,400.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 220.7500% | 363 |
| Efficiency ratio | 68.2374% | 2,497 |
| Assets per employee ($millions) | 4.2610% | 3,487 |
| Cash dividends to net income (ytd only)* | 25.6082% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,636 |
| Loan loss allowance to noncurrent loans | 198.7567% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 2,902 |
| Noncurrent loans to loans | 0.7018% | 2,223 |
| Net loans and leases to total assets | 56.2533% | 4,061 |
| Net loans and leases to deposits | 67.8423% | 3,978 |
| Net loans and leases to core deposits | 70.2113% | 4,101 |
| Total domestic deposits to total assets | 82.9178% | 3,230 |
| Equity capital to assets | 16.6370% | 511 |
| Core capital (leverage) ratio | 16.2760% | 511 |
| Tier 1 risk-based capital ratio | 26.7916% | 640 |
| Total risk-based capital ratio | 28.0422% | 627 |
| Memoranda: | ||
| Average total assets | $140,453,330 | 3,488 |
| Average earning assets | $130,232,000 | 3,476 |
| Average equity | $22,677,000 | 2,910 |
| Average total loans | $79,026,000 | 3,679 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3815% | 3,297 |
| Cost of funding earning assets | 0.5569% | 3,795 |
| Net interest margin | 3.8246% | 2,437 |
| Noninterest income to average assets | 0.4303% | 2,978 |
| Noninterest expense to average assets | 2.7669% | 2,686 |
| Loan and lease loss provision to assets | 0.0142% | 3,249 |
| Net operating income to assets | 1.1227% | 2,383 |
| Return on assets (ROA) | 1.1227% | 2,430 |
| Pretax return on assets | 1.1911% | 2,839 |
| Return on Equity (ROE) | 7.0614% | 3,655 |
| Retained earnings to average equity (ytd only) | 7.0614% | 2,012 |
| Net charge-offs to loans | 0.0153% | 2,174 |
| Credit loss provision to net charge-offs | 166.6667% | 1,164 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 527 |
| Efficiency ratio | 69.6557% | 2,400 |
| Assets per employee ($millions) | 4.2447% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 1,836 |
| Loan loss allowance to noncurrent loans | 191.2343% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6347% | 2,186 |
| Noncurrent loans to loans | 0.7100% | 2,254 |
| Net loans and leases to total assets | 55.4464% | 4,102 |
| Net loans and leases to deposits | 66.5918% | 4,008 |
| Net loans and leases to core deposits | 68.9433% | 4,131 |
| Total domestic deposits to total assets | 83.2631% | 3,296 |
| Equity capital to assets | 16.2728% | 537 |
| Core capital (leverage) ratio | 16.0773% | 521 |
| Tier 1 risk-based capital ratio | 27.3377% | 601 |
| Total risk-based capital ratio | 28.5879% | 588 |
| Memoranda: | ||
| Average total assets | $140,373,000 | 3,526 |
| Average earning assets | $130,000,500 | 3,514 |
| Average equity | $22,318,500 | 2,943 |
| Average total loans | $78,429,500 | 3,726 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,368 |
| Cost of funding earning assets | 0.4195% | 3,867 |
| Net interest margin | 3.8065% | 2,639 |
| Noninterest income to average assets | 0.3655% | 3,652 |
| Noninterest expense to average assets | 2.5470% | 3,479 |
| Loan and lease loss provision to assets | 0.0512% | 3,158 |
| Net operating income to assets | 1.1846% | 2,242 |
| Return on assets (ROA) | 1.1749% | 2,275 |
| Pretax return on assets | 1.2829% | 2,565 |
| Return on Equity (ROE) | 7.8022% | 3,520 |
| Retained earnings to average equity (ytd only) | 4.6580% | 2,955 |
| Net charge-offs to loans | 0.0026% | 3,643 |
| Credit loss provision to net charge-offs | 3,650.0000% | 140 |
| Earnings coverage of net charge-offs (x) | 958.5000% | 113 |
| Efficiency ratio | 65.4470% | 2,961 |
| Assets per employee ($millions) | 4.2628% | 3,524 |
| Cash dividends to net income (ytd only)* | 40.2985% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,764 |
| Loan loss allowance to noncurrent loans | 138.9323% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7805% | 1,790 |
| Noncurrent loans to loans | 0.9831% | 1,652 |
| Net loans and leases to total assets | 54.7778% | 4,223 |
| Net loans and leases to deposits | 65.1887% | 4,174 |
| Net loans and leases to core deposits | 67.4524% | 4,272 |
| Total domestic deposits to total assets | 84.0295% | 2,988 |
| Equity capital to assets | 15.5276% | 612 |
| Core capital (leverage) ratio | 15.7083% | 567 |
| Tier 1 risk-based capital ratio | 27.0957% | 611 |
| Total risk-based capital ratio | 28.3459% | 598 |
| Memoranda: | ||
| Average total assets | $142,562,400 | 3,468 |
| Average earning assets | $132,063,200 | 3,468 |
| Average equity | $21,468,400 | 2,943 |
| Average total loans | $76,035,000 | 3,750 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1893% | 3,356 |
| Cost of funding earning assets | 0.3937% | 3,907 |
| Net interest margin | 3.7957% | 2,664 |
| Noninterest income to average assets | 0.3719% | 3,651 |
| Noninterest expense to average assets | 2.5233% | 3,520 |
| Loan and lease loss provision to assets | 0.0513% | 2,961 |
| Net operating income to assets | 1.1857% | 2,288 |
| Return on assets (ROA) | 1.1857% | 2,291 |
| Pretax return on assets | 1.3115% | 2,573 |
| Return on Equity (ROE) | 7.9344% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.8428% | 2,209 |
| Net charge-offs to loans | 0.0018% | 3,431 |
| Credit loss provision to net charge-offs | 5,500.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 1,465.6241% | 51 |
| Efficiency ratio | 64.9316% | 3,044 |
| Assets per employee ($millions) | 4.2515% | 3,502 |
| Cash dividends to net income (ytd only)* | 13.7580% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 1,862 |
| Loan loss allowance to noncurrent loans | 136.7188% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 1,835 |
| Noncurrent loans to loans | 0.9909% | 1,718 |
| Net loans and leases to total assets | 54.4928% | 4,331 |
| Net loans and leases to deposits | 64.7460% | 4,291 |
| Net loans and leases to core deposits | 66.9850% | 4,357 |
| Total domestic deposits to total assets | 84.1640% | 2,885 |
| Equity capital to assets | 15.3335% | 653 |
| Core capital (leverage) ratio | 15.5188% | 594 |
| Tier 1 risk-based capital ratio | 26.6459% | 640 |
| Total risk-based capital ratio | 27.8965% | 630 |
| Memoranda: | ||
| Average total assets | $143,035,000 | 3,505 |
| Average earning assets | $132,427,750 | 3,498 |
| Average equity | $21,374,750 | 2,964 |
| Average total loans | $75,512,750 | 3,799 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 3,368 |
| Cost of funding earning assets | 0.3857% | 3,831 |
| Net interest margin | 3.7386% | 2,796 |
| Noninterest income to average assets | 0.3724% | 3,670 |
| Noninterest expense to average assets | 2.5009% | 3,630 |
| Loan and lease loss provision to assets | 0.0597% | 2,708 |
| Net operating income to assets | 1.1324% | 2,469 |
| Return on assets (ROA) | 1.1324% | 2,475 |
| Pretax return on assets | 1.2727% | 2,625 |
| Return on Equity (ROE) | 7.6423% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.0013% | 2,561 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2410% | 3,109 |
| Assets per employee ($millions) | 4.2326% | 3,526 |
| Cash dividends to net income (ytd only)* | 21.4724% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,891 |
| Loan loss allowance to noncurrent loans | 125.4831% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 1,812 |
| Noncurrent loans to loans | 1.0848% | 1,627 |
| Net loans and leases to total assets | 52.3150% | 4,456 |
| Net loans and leases to deposits | 61.7524% | 4,432 |
| Net loans and leases to core deposits | 63.8439% | 4,498 |
| Total domestic deposits to total assets | 84.7174% | 2,787 |
| Equity capital to assets | 14.8504% | 715 |
| Core capital (leverage) ratio | 15.1003% | 646 |
| Tier 1 risk-based capital ratio | 26.1757% | 660 |
| Total risk-based capital ratio | 27.4252% | 644 |
| Memoranda: | ||
| Average total assets | $143,946,330 | 3,513 |
| Average earning assets | $133,256,670 | 3,512 |
| Average equity | $21,328,670 | 2,984 |
| Average total loans | $74,849,000 | 3,835 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 3,084 |
| Cost of funding earning assets | 0.3806% | 3,730 |
| Net interest margin | 3.7611% | 2,573 |
| Noninterest income to average assets | 0.3890% | 3,546 |
| Noninterest expense to average assets | 2.5173% | 3,591 |
| Loan and lease loss provision to assets | 0.0972% | 1,893 |
| Net operating income to assets | 1.0169% | 2,792 |
| Return on assets (ROA) | 1.0169% | 2,812 |
| Pretax return on assets | 1.2614% | 2,514 |
| Return on Equity (ROE) | 6.8708% | 3,835 |
| Retained earnings to average equity (ytd only) | 6.8708% | 2,337 |
| Net charge-offs to loans | 0.0054% | 2,543 |
| Credit loss provision to net charge-offs | 3,500.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 489.0000% | 128 |
| Efficiency ratio | 64.9462% | 3,325 |
| Assets per employee ($millions) | 4.6615% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3572% | 1,995 |
| Loan loss allowance to noncurrent loans | 169.1297% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 2,320 |
| Noncurrent loans to loans | 0.8025% | 2,206 |
| Net loans and leases to total assets | 51.8027% | 4,448 |
| Net loans and leases to deposits | 61.0381% | 4,397 |
| Net loans and leases to core deposits | 63.3748% | 4,461 |
| Total domestic deposits to total assets | 84.8693% | 2,987 |
| Equity capital to assets | 14.6968% | 736 |
| Core capital (leverage) ratio | 14.5853% | 745 |
| Tier 1 risk-based capital ratio | 25.1140% | 747 |
| Total risk-based capital ratio | 26.3535% | 734 |
| Memoranda: | ||
| Average total assets | $143,965,000 | 3,547 |
| Average earning assets | $133,470,000 | 3,541 |
| Average equity | $21,307,500 | 3,014 |
| Average total loans | $74,111,000 | 3,878 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0412% | 3,269 |
| Cost of funding earning assets | 0.3739% | 3,476 |
| Net interest margin | 3.6673% | 2,926 |
| Noninterest income to average assets | 0.3569% | 3,913 |
| Noninterest expense to average assets | 2.5611% | 3,576 |
| Loan and lease loss provision to assets | 0.0543% | 3,146 |
| Net operating income to assets | 1.0627% | 2,005 |
| Return on assets (ROA) | 1.0666% | 2,009 |
| Pretax return on assets | 1.1445% | 3,005 |
| Return on Equity (ROE) | 7.3814% | 3,082 |
| Retained earnings to average equity (ytd only) | 5.2147% | 1,992 |
| Net charge-offs to loans | 0.0070% | 3,826 |
| Credit loss provision to net charge-offs | 1,560.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 343.4000% | 259 |
| Efficiency ratio | 68.1919% | 2,854 |
| Assets per employee ($millions) | 4.6265% | 2,987 |
| Cash dividends to net income (ytd only)* | 29.3542% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 1,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,884 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.7392% | 4,660 |
| Net loans and leases to deposits | 58.7484% | 4,656 |
| Net loans and leases to core deposits | 61.3314% | 4,692 |
| Total domestic deposits to total assets | 84.6648% | 2,965 |
| Equity capital to assets | 14.9050% | 696 |
| Core capital (leverage) ratio | 14.4755% | 738 |
| Tier 1 risk-based capital ratio | 25.3233% | 700 |
| Total risk-based capital ratio | 26.5534% | 693 |
| Memoranda: | ||
| Average total assets | $143,724,800 | 3,556 |
| Average earning assets | $133,202,600 | 3,552 |
| Average equity | $20,768,400 | 3,054 |
| Average total loans | $71,920,200 | 3,919 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0239% | 3,267 |
| Cost of funding earning assets | 0.3709% | 3,454 |
| Net interest margin | 3.6530% | 2,937 |
| Noninterest income to average assets | 0.3551% | 3,995 |
| Noninterest expense to average assets | 2.5414% | 3,594 |
| Loan and lease loss provision to assets | 0.0519% | 3,060 |
| Net operating income to assets | 1.0648% | 2,257 |
| Return on assets (ROA) | 1.0700% | 2,279 |
| Pretax return on assets | 1.1553% | 3,094 |
| Return on Equity (ROE) | 7.4632% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.4931% | 1,963 |
| Net charge-offs to loans | 0.0093% | 3,397 |
| Credit loss provision to net charge-offs | 1,120.0000% | 330 |
| Earnings coverage of net charge-offs (x) | 259.0645% | 340 |
| Efficiency ratio | 67.8970% | 2,888 |
| Assets per employee ($millions) | 4.6658% | 2,885 |
| Cash dividends to net income (ytd only)* | 12.9986% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 2,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 4,016 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 49.7922% | 4,712 |
| Net loans and leases to deposits | 58.7201% | 4,704 |
| Net loans and leases to core deposits | 61.1403% | 4,763 |
| Total domestic deposits to total assets | 84.7959% | 2,798 |
| Equity capital to assets | 14.7519% | 796 |
| Core capital (leverage) ratio | 14.2727% | 820 |
| Tier 1 risk-based capital ratio | 25.0983% | 738 |
| Total risk-based capital ratio | 26.2952% | 727 |
| Memoranda: | ||
| Average total assets | $143,800,500 | 3,585 |
| Average earning assets | $133,366,750 | 3,586 |
| Average equity | $20,616,250 | 3,094 |
| Average total loans | $71,817,000 | 3,957 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9600% | 3,347 |
| Cost of funding earning assets | 0.3671% | 3,409 |
| Net interest margin | 3.5929% | 3,068 |
| Noninterest income to average assets | 0.4501% | 3,348 |
| Noninterest expense to average assets | 2.6170% | 3,381 |
| Loan and lease loss provision to assets | 0.0641% | 2,688 |
| Net operating income to assets | 1.0298% | 2,292 |
| Return on assets (ROA) | 1.0298% | 2,333 |
| Pretax return on assets | 1.0967% | 3,196 |
| Return on Equity (ROE) | 7.2536% | 3,423 |
| Retained earnings to average equity (ytd only) | 5.7813% | 2,241 |
| Net charge-offs to loans | 0.0084% | 3,155 |
| Credit loss provision to net charge-offs | 1,533.3333% | 267 |
| Earnings coverage of net charge-offs (x) | 277.6667% | 310 |
| Efficiency ratio | 69.2733% | 2,806 |
| Assets per employee ($millions) | 4.8130% | 2,627 |
| Cash dividends to net income (ytd only)* | 20.2977% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 2,282 |
| Loan loss allowance to noncurrent loans | 500.5181% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 2,763 |
| Noncurrent loans to loans | 0.2654% | 4,091 |
| Net loans and leases to total assets | 49.6942% | 4,730 |
| Net loans and leases to deposits | 58.4708% | 4,731 |
| Net loans and leases to core deposits | 60.9222% | 4,774 |
| Total domestic deposits to total assets | 84.9899% | 2,815 |
| Equity capital to assets | 14.4644% | 837 |
| Core capital (leverage) ratio | 14.2329% | 796 |
| Tier 1 risk-based capital ratio | 25.0019% | 746 |
| Total risk-based capital ratio | 26.2089% | 736 |
| Memoranda: | ||
| Average total assets | $143,521,000 | 3,606 |
| Average earning assets | $132,928,000 | 3,609 |
| Average equity | $20,376,000 | 3,116 |
| Average total loans | $71,425,000 | 3,982 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9361% | 3,259 |
| Cost of funding earning assets | 0.3650% | 3,366 |
| Net interest margin | 3.5711% | 3,000 |
| Noninterest income to average assets | 0.5535% | 2,642 |
| Noninterest expense to average assets | 2.8151% | 2,735 |
| Loan and lease loss provision to assets | 0.0727% | 2,355 |
| Net operating income to assets | 0.9505% | 2,526 |
| Return on assets (ROA) | 0.9505% | 2,585 |
| Pretax return on assets | 0.9756% | 3,479 |
| Return on Equity (ROE) | 6.7589% | 3,514 |
| Retained earnings to average equity (ytd only) | 6.7589% | 1,947 |
| Net charge-offs to loans | 0.0057% | 2,777 |
| Credit loss provision to net charge-offs | 2,600.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 375.0000% | 155 |
| Efficiency ratio | 72.8654% | 2,428 |
| Assets per employee ($millions) | 4.9543% | 2,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 2,416 |
| Loan loss allowance to noncurrent loans | 501.5873% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.6027% | 2,838 |
| Noncurrent loans to loans | 0.2642% | 4,166 |
| Net loans and leases to total assets | 49.1324% | 4,740 |
| Net loans and leases to deposits | 57.6173% | 4,728 |
| Net loans and leases to core deposits | 59.4651% | 4,806 |
| Total domestic deposits to total assets | 85.2737% | 2,977 |
| Equity capital to assets | 14.1813% | 850 |
| Core capital (leverage) ratio | 14.1343% | 803 |
| Tier 1 risk-based capital ratio | 24.9539% | 776 |
| Total risk-based capital ratio | 26.1511% | 766 |
| Memoranda: | ||
| Average total assets | $143,087,000 | 3,645 |
| Average earning assets | $132,619,000 | 3,643 |
| Average equity | $20,121,500 | 3,152 |
| Average total loans | $70,778,000 | 4,033 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,580 |
| Cost of funding earning assets | 0.3819% | 3,180 |
| Net interest margin | 3.5152% | 3,371 |
| Noninterest income to average assets | 0.5238% | 3,072 |
| Noninterest expense to average assets | 2.4169% | 4,260 |
| Loan and lease loss provision to assets | 0.0500% | 3,394 |
| Net operating income to assets | 1.1780% | 1,577 |
| Return on assets (ROA) | 1.2116% | 1,554 |
| Pretax return on assets | 1.3755% | 2,030 |
| Return on Equity (ROE) | 8.6463% | 2,591 |
| Retained earnings to average equity (ytd only) | 6.9111% | 1,269 |
| Net charge-offs to loans | 0.4894% | 505 |
| Credit loss provision to net charge-offs | 21.6216% | 3,664 |
| Earnings coverage of net charge-offs (x) | 5.9970% | 3,247 |
| Efficiency ratio | 63.5318% | 4,027 |
| Assets per employee ($millions) | 4.7500% | 2,721 |
| Cash dividends to net income (ytd only)* | 20.0688% | 3,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,441 |
| Loan loss allowance to noncurrent loans | 488.3598% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 2,702 |
| Noncurrent loans to loans | 0.2699% | 4,184 |
| Net loans and leases to total assets | 48.4874% | 4,862 |
| Net loans and leases to deposits | 56.7172% | 4,872 |
| Net loans and leases to core deposits | 58.4201% | 4,939 |
| Total domestic deposits to total assets | 85.4897% | 2,837 |
| Equity capital to assets | 13.9426% | 908 |
| Core capital (leverage) ratio | 13.8963% | 844 |
| Tier 1 risk-based capital ratio | 24.8083% | 788 |
| Total risk-based capital ratio | 25.9841% | 781 |
| Memoranda: | ||
| Average total assets | $143,942,800 | 3,608 |
| Average earning assets | $134,330,600 | 3,585 |
| Average equity | $20,170,400 | 3,153 |
| Average total loans | $68,044,000 | 4,091 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,707 |
| Cost of funding earning assets | 0.3814% | 3,213 |
| Net interest margin | 3.4857% | 3,523 |
| Noninterest income to average assets | 0.5571% | 2,883 |
| Noninterest expense to average assets | 2.4152% | 4,241 |
| Loan and lease loss provision to assets | 0.0665% | 2,895 |
| Net operating income to assets | 1.1680% | 1,736 |
| Return on assets (ROA) | 1.2122% | 1,698 |
| Pretax return on assets | 1.3859% | 2,095 |
| Return on Equity (ROE) | 8.6402% | 2,693 |
| Retained earnings to average equity (ytd only) | 7.6523% | 1,337 |
| Net charge-offs to loans | 0.5448% | 384 |
| Credit loss provision to net charge-offs | 26.0870% | 3,253 |
| Earnings coverage of net charge-offs (x) | 5.4964% | 3,120 |
| Efficiency ratio | 63.2777% | 4,028 |
| Assets per employee ($millions) | 4.8045% | 2,607 |
| Cash dividends to net income (ytd only)* | 11.4332% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 2,250 |
| Loan loss allowance to noncurrent loans | 149.8471% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.1101% | 1,828 |
| Noncurrent loans to loans | 0.9268% | 2,395 |
| Net loans and leases to total assets | 48.2801% | 4,943 |
| Net loans and leases to deposits | 56.8500% | 4,943 |
| Net loans and leases to core deposits | 58.9897% | 4,997 |
| Total domestic deposits to total assets | 84.9253% | 2,834 |
| Equity capital to assets | 14.4627% | 884 |
| Core capital (leverage) ratio | 13.5247% | 987 |
| Tier 1 risk-based capital ratio | 24.1871% | 888 |
| Total risk-based capital ratio | 25.4260% | 871 |
| Memoranda: | ||
| Average total assets | $144,303,750 | 3,613 |
| Average earning assets | $134,947,500 | 3,589 |
| Average equity | $20,246,000 | 3,167 |
| Average total loans | $67,550,750 | 4,138 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 3,949 |
| Cost of funding earning assets | 0.3791% | 3,256 |
| Net interest margin | 3.4238% | 3,784 |
| Noninterest income to average assets | 0.6664% | 2,300 |
| Noninterest expense to average assets | 2.4647% | 4,135 |
| Loan and lease loss provision to assets | 0.0651% | 2,841 |
| Net operating income to assets | 1.1575% | 1,746 |
| Return on assets (ROA) | 1.1956% | 1,711 |
| Pretax return on assets | 1.3965% | 2,042 |
| Return on Equity (ROE) | 8.6102% | 2,691 |
| Retained earnings to average equity (ytd only) | 7.1136% | 1,546 |
| Net charge-offs to loans | 0.8115% | 246 |
| Credit loss provision to net charge-offs | 17.4074% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.7889% | 3,059 |
| Efficiency ratio | 63.4904% | 4,102 |
| Assets per employee ($millions) | 5.0118% | 2,283 |
| Cash dividends to net income (ytd only)* | 17.3812% | 3,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 2,115 |
| Loan loss allowance to noncurrent loans | 147.1669% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 1,925 |
| Noncurrent loans to loans | 0.9771% | 2,325 |
| Net loans and leases to total assets | 45.3203% | 5,166 |
| Net loans and leases to deposits | 53.1927% | 5,184 |
| Net loans and leases to core deposits | 55.1676% | 5,213 |
| Total domestic deposits to total assets | 85.2003% | 2,783 |
| Equity capital to assets | 14.2307% | 952 |
| Core capital (leverage) ratio | 13.2876% | 1,062 |
| Tier 1 risk-based capital ratio | 24.3972% | 866 |
| Total risk-based capital ratio | 25.6423% | 849 |
| Memoranda: | ||
| Average total assets | $144,359,670 | 3,641 |
| Average earning assets | $135,579,000 | 3,603 |
| Average equity | $20,046,000 | 3,192 |
| Average total loans | $66,544,670 | 4,184 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8112% | 3,906 |
| Cost of funding earning assets | 0.3844% | 3,253 |
| Net interest margin | 3.4268% | 3,780 |
| Noninterest income to average assets | 0.9536% | 1,177 |
| Noninterest expense to average assets | 2.4077% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4430% | 954 |
| Return on assets (ROA) | 1.4430% | 1,000 |
| Pretax return on assets | 1.7683% | 901 |
| Return on Equity (ROE) | 10.5234% | 1,771 |
| Retained earnings to average equity (ytd only) | 10.5234% | 736 |
| Net charge-offs to loans | 1.6204% | 103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.3643% | 2,692 |
| Efficiency ratio | 57.6565% | 5,035 |
| Assets per employee ($millions) | 4.7745% | 2,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 2,492 |
| Loan loss allowance to noncurrent loans | 140.1225% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 1,650 |
| Noncurrent loans to loans | 0.9894% | 2,404 |
| Net loans and leases to total assets | 45.4382% | 5,157 |
| Net loans and leases to deposits | 53.2276% | 5,153 |
| Net loans and leases to core deposits | 55.3483% | 5,169 |
| Total domestic deposits to total assets | 85.3659% | 2,974 |
| Equity capital to assets | 14.0372% | 970 |
| Core capital (leverage) ratio | 13.3547% | 1,039 |
| Tier 1 risk-based capital ratio | 24.9907% | 812 |
| Total risk-based capital ratio | 26.2032% | 806 |
| Memoranda: | ||
| Average total assets | $143,869,000 | 3,669 |
| Average earning assets | $135,287,000 | 3,629 |
| Average equity | $19,727,500 | 3,230 |
| Average total loans | $66,402,000 | 4,209 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 3,674 |
| Cost of funding earning assets | 0.4616% | 2,523 |
| Net interest margin | 3.4480% | 3,726 |
| Noninterest income to average assets | 0.9304% | 1,356 |
| Noninterest expense to average assets | 2.4173% | 4,474 |
| Loan and lease loss provision to assets | 0.0281% | 3,809 |
| Net operating income to assets | 1.6007% | 705 |
| Return on assets (ROA) | 1.6001% | 726 |
| Pretax return on assets | 1.7030% | 989 |
| Return on Equity (ROE) | 12.3896% | 1,210 |
| Retained earnings to average equity (ytd only) | 11.4599% | 295 |
| Net charge-offs to loans | 0.1751% | 1,638 |
| Credit loss provision to net charge-offs | 33.0645% | 3,613 |
| Earnings coverage of net charge-offs (x) | 20.3548% | 1,883 |
| Efficiency ratio | 58.2603% | 5,112 |
| Assets per employee ($millions) | 5.3520% | 1,952 |
| Cash dividends to net income (ytd only)* | 7.5043% | 4,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7723% | 1,186 |
| Loan loss allowance to noncurrent loans | 58.8762% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.0629% | 841 |
| Noncurrent loans to loans | 3.0102% | 532 |
| Net loans and leases to total assets | 45.4119% | 5,197 |
| Net loans and leases to deposits | 52.8864% | 5,224 |
| Net loans and leases to core deposits | 55.0737% | 5,251 |
| Total domestic deposits to total assets | 85.8668% | 2,700 |
| Equity capital to assets | 13.3899% | 1,170 |
| Core capital (leverage) ratio | 12.9131% | 1,178 |
| Tier 1 risk-based capital ratio | 23.8268% | 938 |
| Total risk-based capital ratio | 25.0805% | 929 |
| Memoranda: | ||
| Average total assets | $145,743,200 | 3,633 |
| Average earning assets | $136,048,200 | 3,595 |
| Average equity | $18,822,200 | 3,275 |
| Average total loans | $70,825,600 | 4,074 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 3,463 |
| Cost of funding earning assets | 0.4801% | 2,408 |
| Net interest margin | 3.4898% | 3,579 |
| Noninterest income to average assets | 0.3560% | 4,396 |
| Noninterest expense to average assets | 2.4328% | 4,407 |
| Loan and lease loss provision to assets | 0.0374% | 3,464 |
| Net operating income to assets | 1.0333% | 2,310 |
| Return on assets (ROA) | 1.0325% | 2,407 |
| Pretax return on assets | 1.1365% | 3,063 |
| Return on Equity (ROE) | 8.0681% | 3,044 |
| Retained earnings to average equity (ytd only) | 7.5330% | 1,427 |
| Net charge-offs to loans | 0.2227% | 1,170 |
| Credit loss provision to net charge-offs | 34.1667% | 3,230 |
| Earnings coverage of net charge-offs (x) | 10.7248% | 2,572 |
| Efficiency ratio | 67.4342% | 3,645 |
| Assets per employee ($millions) | 4.7559% | 2,613 |
| Cash dividends to net income (ytd only)* | 6.6315% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 1,419 |
| Loan loss allowance to noncurrent loans | 60.9543% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 988 |
| Noncurrent loans to loans | 2.8278% | 657 |
| Net loans and leases to total assets | 47.4733% | 5,121 |
| Net loans and leases to deposits | 55.3631% | 5,168 |
| Net loans and leases to core deposits | 57.4402% | 5,226 |
| Total domestic deposits to total assets | 85.7490% | 2,669 |
| Equity capital to assets | 13.4751% | 1,234 |
| Core capital (leverage) ratio | 12.6540% | 1,343 |
| Tier 1 risk-based capital ratio | 22.8459% | 1,075 |
| Total risk-based capital ratio | 24.0988% | 1,055 |
| Memoranda: | ||
| Average total assets | $146,053,000 | 3,660 |
| Average earning assets | $136,088,250 | 3,626 |
| Average equity | $18,690,500 | 3,319 |
| Average total loans | $71,830,500 | 4,086 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,208 |
| Cost of funding earning assets | 0.4954% | 2,287 |
| Net interest margin | 3.5233% | 3,401 |
| Noninterest income to average assets | 0.3669% | 4,316 |
| Noninterest expense to average assets | 2.3495% | 4,714 |
| Loan and lease loss provision to assets | 0.0557% | 2,993 |
| Net operating income to assets | 1.0978% | 1,963 |
| Return on assets (ROA) | 1.0966% | 2,059 |
| Pretax return on assets | 1.2461% | 2,567 |
| Return on Equity (ROE) | 8.7187% | 2,695 |
| Retained earnings to average equity (ytd only) | 7.9084% | 1,305 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3229% | 4,304 |
| Assets per employee ($millions) | 5.0386% | 2,230 |
| Cash dividends to net income (ytd only)* | 9.2937% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8347% | 1,304 |
| Loan loss allowance to noncurrent loans | 40.3082% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 2.7135% | 661 |
| Noncurrent loans to loans | 4.5516% | 293 |
| Net loans and leases to total assets | 47.8962% | 5,114 |
| Net loans and leases to deposits | 55.4011% | 5,164 |
| Net loans and leases to core deposits | 57.6942% | 5,214 |
| Total domestic deposits to total assets | 86.4536% | 2,455 |
| Equity capital to assets | 12.8045% | 1,491 |
| Core capital (leverage) ratio | 12.3640% | 1,451 |
| Tier 1 risk-based capital ratio | 21.9512% | 1,218 |
| Total risk-based capital ratio | 23.2054% | 1,196 |
| Memoranda: | ||
| Average total assets | $147,178,000 | 3,672 |
| Average earning assets | $137,256,330 | 3,637 |
| Average equity | $18,512,000 | 3,358 |
| Average total loans | $72,800,000 | 4,089 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 2,514 |
| Cost of funding earning assets | 0.5099% | 2,202 |
| Net interest margin | 3.6763% | 2,715 |
| Noninterest income to average assets | 0.3981% | 4,019 |
| Noninterest expense to average assets | 2.3668% | 4,697 |
| Loan and lease loss provision to assets | 0.1110% | 1,863 |
| Net operating income to assets | 1.1668% | 1,646 |
| Return on assets (ROA) | 1.1645% | 1,757 |
| Pretax return on assets | 1.3540% | 2,054 |
| Return on Equity (ROE) | 9.3412% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.3412% | 1,089 |
| Net charge-offs to loans | 0.0054% | 3,133 |
| Credit loss provision to net charge-offs | 4,100.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 542.0000% | 100 |
| Efficiency ratio | 61.7232% | 4,840 |
| Assets per employee ($millions) | 4.9127% | 2,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 1,504 |
| Loan loss allowance to noncurrent loans | 37.6837% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 2.8586% | 685 |
| Noncurrent loans to loans | 4.7684% | 299 |
| Net loans and leases to total assets | 48.5029% | 4,984 |
| Net loans and leases to deposits | 56.0496% | 5,047 |
| Net loans and leases to core deposits | 58.7302% | 5,077 |
| Total domestic deposits to total assets | 86.5356% | 2,644 |
| Equity capital to assets | 12.7079% | 1,567 |
| Core capital (leverage) ratio | 12.0672% | 1,602 |
| Tier 1 risk-based capital ratio | 21.3822% | 1,352 |
| Total risk-based capital ratio | 22.6371% | 1,325 |
| Memoranda: | ||
| Average total assets | $147,707,000 | 3,686 |
| Average earning assets | $138,072,000 | 3,654 |
| Average equity | $18,413,000 | 3,390 |
| Average total loans | $73,553,000 | 4,091 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 4,161 |
| Cost of funding earning assets | 0.7115% | 1,041 |
| Net interest margin | 3.1776% | 4,994 |
| Noninterest income to average assets | 0.2845% | 5,088 |
| Noninterest expense to average assets | 2.1039% | 5,566 |
| Loan and lease loss provision to assets | 0.1513% | 1,734 |
| Net operating income to assets | 0.9242% | 2,755 |
| Return on assets (ROA) | 0.9373% | 2,779 |
| Pretax return on assets | 1.0198% | 3,419 |
| Return on Equity (ROE) | 8.3392% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.3279% | 1,262 |
| Net charge-offs to loans | 0.3540% | 1,233 |
| Credit loss provision to net charge-offs | 87.9245% | 2,684 |
| Earnings coverage of net charge-offs (x) | 6.7208% | 3,145 |
| Efficiency ratio | 64.5219% | 4,501 |
| Assets per employee ($millions) | 5.1046% | 2,187 |
| Cash dividends to net income (ytd only)* | 12.1275% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7049% | 1,761 |
| Loan loss allowance to noncurrent loans | 26.2482% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 3.7620% | 470 |
| Noncurrent loans to loans | 6.4954% | 163 |
| Net loans and leases to total assets | 49.3451% | 5,033 |
| Net loans and leases to deposits | 56.6915% | 5,138 |
| Net loans and leases to core deposits | 59.8751% | 5,152 |
| Total domestic deposits to total assets | 87.0414% | 2,260 |
| Equity capital to assets | 12.2250% | 1,842 |
| Core capital (leverage) ratio | 11.8419% | 1,739 |
| Tier 1 risk-based capital ratio | 20.9424% | 1,416 |
| Total risk-based capital ratio | 22.1958% | 1,385 |
| Memoranda: | ||
| Average total assets | $153,951,800 | 3,575 |
| Average earning assets | $144,195,200 | 3,534 |
| Average equity | $17,303,800 | 3,489 |
| Average total loans | $74,855,800 | 4,027 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,246 |
| Cost of funding earning assets | 0.7560% | 871 |
| Net interest margin | 3.1217% | 5,192 |
| Noninterest income to average assets | 0.3011% | 5,041 |
| Noninterest expense to average assets | 2.0905% | 5,595 |
| Loan and lease loss provision to assets | 0.1295% | 1,936 |
| Net operating income to assets | 0.9228% | 2,807 |
| Return on assets (ROA) | 0.9402% | 2,818 |
| Pretax return on assets | 1.0259% | 3,490 |
| Return on Equity (ROE) | 8.5429% | 2,930 |
| Retained earnings to average equity (ytd only) | 7.9583% | 1,382 |
| Net charge-offs to loans | 0.2009% | 1,859 |
| Credit loss provision to net charge-offs | 133.6283% | 1,740 |
| Earnings coverage of net charge-offs (x) | 11.7259% | 2,382 |
| Efficiency ratio | 64.7794% | 4,417 |
| Assets per employee ($millions) | 5.0486% | 2,184 |
| Cash dividends to net income (ytd only)* | 6.8432% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 1,770 |
| Loan loss allowance to noncurrent loans | 35.5302% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 3.1111% | 740 |
| Noncurrent loans to loans | 4.9780% | 369 |
| Net loans and leases to total assets | 49.0265% | 5,109 |
| Net loans and leases to deposits | 57.1843% | 5,160 |
| Net loans and leases to core deposits | 60.6549% | 5,146 |
| Total domestic deposits to total assets | 85.7341% | 2,991 |
| Equity capital to assets | 11.7491% | 2,265 |
| Core capital (leverage) ratio | 11.3654% | 2,167 |
| Tier 1 risk-based capital ratio | 20.3763% | 1,578 |
| Total risk-based capital ratio | 21.6299% | 1,546 |
| Memoranda: | ||
| Average total assets | $155,431,500 | 3,585 |
| Average earning assets | $145,684,500 | 3,553 |
| Average equity | $17,105,500 | 3,532 |
| Average total loans | $74,991,250 | 4,054 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 4,343 |
| Cost of funding earning assets | 0.8000% | 702 |
| Net interest margin | 3.0475% | 5,401 |
| Noninterest income to average assets | 0.2730% | 5,246 |
| Noninterest expense to average assets | 2.0771% | 5,672 |
| Loan and lease loss provision to assets | 0.0396% | 3,514 |
| Net operating income to assets | 0.9302% | 2,655 |
| Return on assets (ROA) | 0.9314% | 2,747 |
| Pretax return on assets | 1.0156% | 3,420 |
| Return on Equity (ROE) | 8.6515% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.7627% | 1,406 |
| Net charge-offs to loans | 0.2968% | 1,354 |
| Credit loss provision to net charge-offs | 27.9279% | 3,083 |
| Earnings coverage of net charge-offs (x) | 7.4414% | 2,632 |
| Efficiency ratio | 66.3407% | 4,310 |
| Assets per employee ($millions) | 5.1941% | 1,977 |
| Cash dividends to net income (ytd only)* | 10.2740% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 2,402 |
| Loan loss allowance to noncurrent loans | 68.2531% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 1.7250% | 1,891 |
| Noncurrent loans to loans | 2.3688% | 1,350 |
| Net loans and leases to total assets | 47.6047% | 5,207 |
| Net loans and leases to deposits | 53.9688% | 5,361 |
| Net loans and leases to core deposits | 56.9543% | 5,351 |
| Total domestic deposits to total assets | 88.2078% | 1,786 |
| Equity capital to assets | 11.1652% | 2,720 |
| Core capital (leverage) ratio | 10.9949% | 2,434 |
| Tier 1 risk-based capital ratio | 19.1496% | 1,890 |
| Total risk-based capital ratio | 20.4018% | 1,849 |
| Memoranda: | ||
| Average total assets | $156,755,670 | 3,582 |
| Average earning assets | $147,007,670 | 3,537 |
| Average equity | $16,875,670 | 3,558 |
| Average total loans | $74,791,000 | 4,079 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7740% | 4,593 |
| Cost of funding earning assets | 0.8209% | 665 |
| Net interest margin | 2.9531% | 5,641 |
| Noninterest income to average assets | 0.3587% | 4,518 |
| Noninterest expense to average assets | 2.1091% | 5,667 |
| Loan and lease loss provision to assets | 0.0153% | 3,630 |
| Net operating income to assets | 0.9210% | 2,546 |
| Return on assets (ROA) | 0.9210% | 2,623 |
| Pretax return on assets | 1.0075% | 3,293 |
| Return on Equity (ROE) | 8.7153% | 2,591 |
| Retained earnings to average equity (ytd only) | 8.7153% | 1,341 |
| Net charge-offs to loans | 0.0698% | 2,451 |
| Credit loss provision to net charge-offs | 46.1538% | 2,244 |
| Earnings coverage of net charge-offs (x) | 30.9231% | 1,031 |
| Efficiency ratio | 67.3436% | 4,308 |
| Assets per employee ($millions) | 5.2040% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,280 |
| Loan loss allowance to noncurrent loans | 38.2022% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 2.3514% | 1,382 |
| Noncurrent loans to loans | 4.5069% | 528 |
| Net loans and leases to total assets | 47.2377% | 5,209 |
| Net loans and leases to deposits | 53.8656% | 5,302 |
| Net loans and leases to core deposits | 56.8512% | 5,288 |
| Total domestic deposits to total assets | 87.6954% | 2,408 |
| Equity capital to assets | 10.7052% | 3,036 |
| Core capital (leverage) ratio | 10.6903% | 2,713 |
| Tier 1 risk-based capital ratio | 18.5476% | 2,109 |
| Total risk-based capital ratio | 19.7996% | 2,072 |
| Memoranda: | ||
| Average total assets | $157,222,000 | 3,602 |
| Average earning assets | $147,640,000 | 3,551 |
| Average equity | $16,614,500 | 3,600 |
| Average total loans | $74,487,500 | 4,122 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,918 |
| Cost of funding earning assets | 0.9952% | 451 |
| Net interest margin | 2.7713% | 6,026 |
| Noninterest income to average assets | -0.0624% | 6,704 |
| Noninterest expense to average assets | 1.9829% | 6,061 |
| Loan and lease loss provision to assets | 0.2957% | 1,146 |
| Net operating income to assets | 0.4072% | 5,124 |
| Return on assets (ROA) | 0.4278% | 5,159 |
| Pretax return on assets | 0.2733% | 5,797 |
| Return on Equity (ROE) | 4.1530% | 5,032 |
| Retained earnings to average equity (ytd only) | 3.5883% | 3,669 |
| Net charge-offs to loans | 0.3600% | 1,876 |
| Credit loss provision to net charge-offs | 184.8485% | 1,238 |
| Earnings coverage of net charge-offs (x) | 3.4280% | 3,856 |
| Efficiency ratio | 78.3337% | 2,417 |
| Assets per employee ($millions) | 5.2774% | 1,880 |
| Cash dividends to net income (ytd only)* | 13.5977% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 2,209 |
| Loan loss allowance to noncurrent loans | 30.3221% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 2.8884% | 1,109 |
| Noncurrent loans to loans | 5.7943% | 369 |
| Net loans and leases to total assets | 45.8784% | 5,502 |
| Net loans and leases to deposits | 51.5624% | 5,659 |
| Net loans and leases to core deposits | 55.2239% | 5,598 |
| Total domestic deposits to total assets | 88.9763% | 1,649 |
| Equity capital to assets | 10.4318% | 3,248 |
| Core capital (leverage) ratio | 10.5560% | 2,844 |
| Tier 1 risk-based capital ratio | 18.6850% | 2,016 |
| Total risk-based capital ratio | 19.9373% | 1,979 |
| Memoranda: | ||
| Average total assets | $165,012,600 | 3,489 |
| Average earning assets | $154,439,200 | 3,426 |
| Average equity | $16,999,800 | 3,565 |
| Average total loans | $73,324,600 | 4,155 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 4,942 |
| Cost of funding earning assets | 1.0168% | 452 |
| Net interest margin | 2.7587% | 6,083 |
| Noninterest income to average assets | -0.1760% | 6,829 |
| Noninterest expense to average assets | 1.9853% | 6,038 |
| Loan and lease loss provision to assets | 0.3312% | 999 |
| Net operating income to assets | 0.2832% | 5,669 |
| Return on assets (ROA) | 0.3104% | 5,698 |
| Pretax return on assets | 0.1152% | 6,197 |
| Return on Equity (ROE) | 3.0216% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.6634% | 4,725 |
| Net charge-offs to loans | 0.4701% | 1,365 |
| Credit loss provision to net charge-offs | 160.4651% | 1,472 |
| Earnings coverage of net charge-offs (x) | 2.0310% | 4,152 |
| Efficiency ratio | 82.5682% | 1,746 |
| Assets per employee ($millions) | 5.2672% | 1,873 |
| Cash dividends to net income (ytd only)* | 11.8553% | 3,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 2,736 |
| Loan loss allowance to noncurrent loans | 28.8088% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 2.7939% | 1,343 |
| Noncurrent loans to loans | 5.7917% | 453 |
| Net loans and leases to total assets | 44.4302% | 5,692 |
| Net loans and leases to deposits | 49.7623% | 5,850 |
| Net loans and leases to core deposits | 54.4786% | 5,729 |
| Total domestic deposits to total assets | 89.2849% | 1,417 |
| Equity capital to assets | 10.0831% | 3,791 |
| Core capital (leverage) ratio | 10.1685% | 3,448 |
| Tier 1 risk-based capital ratio | 18.2256% | 2,236 |
| Total risk-based capital ratio | 19.4767% | 2,202 |
| Memoranda: | ||
| Average total assets | $166,685,000 | 3,499 |
| Average earning assets | $155,915,500 | 3,441 |
| Average equity | $17,120,750 | 3,589 |
| Average total loans | $73,172,000 | 4,188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,928 |
| Cost of funding earning assets | 1.0313% | 464 |
| Net interest margin | 2.7383% | 6,120 |
| Noninterest income to average assets | 0.3456% | 4,928 |
| Noninterest expense to average assets | 2.0415% | 5,967 |
| Loan and lease loss provision to assets | 0.3456% | 971 |
| Net operating income to assets | 0.5518% | 4,544 |
| Return on assets (ROA) | 0.5923% | 4,513 |
| Pretax return on assets | 0.5589% | 5,167 |
| Return on Equity (ROE) | 5.7325% | 4,326 |
| Retained earnings to average equity (ytd only) | 5.2019% | 2,925 |
| Net charge-offs to loans | -0.0027% | 5,560 |
| Credit loss provision to net charge-offs | -29,000.0000% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2625% | 3,779 |
| Assets per employee ($millions) | 5.4796% | 1,611 |
| Cash dividends to net income (ytd only)* | 9.2555% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 2,188 |
| Loan loss allowance to noncurrent loans | 44.0787% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 3.2545% | 1,216 |
| Noncurrent loans to loans | 4.2481% | 872 |
| Net loans and leases to total assets | 43.5458% | 5,784 |
| Net loans and leases to deposits | 48.7689% | 5,933 |
| Net loans and leases to core deposits | 53.5272% | 5,790 |
| Total domestic deposits to total assets | 89.2900% | 1,455 |
| Equity capital to assets | 10.0847% | 3,814 |
| Core capital (leverage) ratio | 10.2256% | 3,191 |
| Tier 1 risk-based capital ratio | 18.4415% | 2,160 |
| Total risk-based capital ratio | 19.6948% | 2,120 |
| Memoranda: | ||
| Average total assets | $167,819,000 | 3,499 |
| Average earning assets | $156,884,000 | 3,450 |
| Average equity | $17,339,670 | 3,573 |
| Average total loans | $72,970,000 | 4,211 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,774 |
| Cost of funding earning assets | 1.0401% | 493 |
| Net interest margin | 2.7753% | 6,081 |
| Noninterest income to average assets | 0.3303% | 5,058 |
| Noninterest expense to average assets | 2.0338% | 6,034 |
| Loan and lease loss provision to assets | 0.2147% | 1,730 |
| Net operating income to assets | 0.6631% | 3,887 |
| Return on assets (ROA) | 0.6654% | 4,028 |
| Pretax return on assets | 0.6842% | 4,642 |
| Return on Equity (ROE) | 6.3655% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.3655% | 2,476 |
| Net charge-offs to loans | -0.0110% | 5,475 |
| Credit loss provision to net charge-offs | -4,550.0000% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4042% | 4,076 |
| Assets per employee ($millions) | 5.3643% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 3,489 |
| Loan loss allowance to noncurrent loans | 84.3321% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.1865% | 2,136 |
| Noncurrent loans to loans | 1.8727% | 2,770 |
| Net loans and leases to total assets | 43.7725% | 5,686 |
| Net loans and leases to deposits | 49.2657% | 5,836 |
| Net loans and leases to core deposits | 53.8969% | 5,670 |
| Total domestic deposits to total assets | 88.8499% | 1,766 |
| Equity capital to assets | 10.5193% | 3,523 |
| Core capital (leverage) ratio | 10.0119% | 3,371 |
| Tier 1 risk-based capital ratio | 18.3246% | 2,256 |
| Total risk-based capital ratio | 19.5748% | 2,215 |
| Memoranda: | ||
| Average total assets | $169,534,500 | 3,504 |
| Average earning assets | $158,827,000 | 3,455 |
| Average equity | $17,720,500 | 3,560 |
| Average total loans | $72,980,000 | 4,238 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 5,560 |
| Cost of funding earning assets | 1.1663% | 674 |
| Net interest margin | 2.7399% | 6,466 |
| Noninterest income to average assets | 0.3387% | 5,034 |
| Noninterest expense to average assets | 2.2039% | 5,918 |
| Loan and lease loss provision to assets | 0.1188% | 4,135 |
| Net operating income to assets | 0.6215% | 4,133 |
| Return on assets (ROA) | 0.6227% | 4,390 |
| Pretax return on assets | 0.5787% | 5,057 |
| Return on Equity (ROE) | 6.0060% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.4501% | 2,416 |
| Net charge-offs to loans | 0.2068% | 3,726 |
| Credit loss provision to net charge-offs | 131.5789% | 2,125 |
| Earnings coverage of net charge-offs (x) | 7.7105% | 2,544 |
| Efficiency ratio | 75.9885% | 2,747 |
| Assets per employee ($millions) | 5.9578% | 1,308 |
| Cash dividends to net income (ytd only)* | 9.2557% | 4,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 3,778 |
| Loan loss allowance to noncurrent loans | 77.4496% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.1323% | 2,297 |
| Noncurrent loans to loans | 1.9278% | 2,774 |
| Net loans and leases to total assets | 41.0511% | 6,092 |
| Net loans and leases to deposits | 46.1292% | 6,246 |
| Net loans and leases to core deposits | 52.1028% | 6,009 |
| Total domestic deposits to total assets | 88.9915% | 1,567 |
| Equity capital to assets | 10.3881% | 3,658 |
| Core capital (leverage) ratio | 9.8960% | 3,552 |
| Tier 1 risk-based capital ratio | 18.4740% | 2,110 |
| Total risk-based capital ratio | 19.6557% | 2,098 |
| Memoranda: | ||
| Average total assets | $168,294,200 | 3,481 |
| Average earning assets | $157,341,000 | 3,412 |
| Average equity | $17,449,200 | 3,548 |
| Average total loans | $73,505,600 | 4,224 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 5,738 |
| Cost of funding earning assets | 1.1871% | 733 |
| Net interest margin | 2.7326% | 6,602 |
| Noninterest income to average assets | 0.3645% | 4,910 |
| Noninterest expense to average assets | 2.1773% | 5,997 |
| Loan and lease loss provision to assets | 0.0662% | 4,867 |
| Net operating income to assets | 0.6851% | 3,979 |
| Return on assets (ROA) | 0.6875% | 4,222 |
| Pretax return on assets | 0.6771% | 4,930 |
| Return on Equity (ROE) | 6.6340% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.2569% | 2,519 |
| Net charge-offs to loans | 0.1823% | 3,657 |
| Credit loss provision to net charge-offs | 82.1782% | 3,550 |
| Earnings coverage of net charge-offs (x) | 9.1983% | 2,357 |
| Efficiency ratio | 74.6105% | 2,890 |
| Assets per employee ($millions) | 5.1756% | 1,961 |
| Cash dividends to net income (ytd only)* | 5.6843% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 4,336 |
| Loan loss allowance to noncurrent loans | 49.9505% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.6576% | 1,983 |
| Noncurrent loans to loans | 2.8210% | 1,997 |
| Net loans and leases to total assets | 41.3343% | 6,174 |
| Net loans and leases to deposits | 46.5750% | 6,347 |
| Net loans and leases to core deposits | 52.3833% | 6,160 |
| Total domestic deposits to total assets | 88.7479% | 1,567 |
| Equity capital to assets | 10.4986% | 3,849 |
| Core capital (leverage) ratio | 9.8794% | 3,712 |
| Tier 1 risk-based capital ratio | 18.2102% | 2,263 |
| Total risk-based capital ratio | 19.3126% | 2,288 |
| Memoranda: | ||
| Average total assets | $167,174,000 | 3,534 |
| Average earning assets | $156,230,500 | 3,485 |
| Average equity | $17,324,500 | 3,600 |
| Average total loans | $73,881,750 | 4,260 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 5,760 |
| Cost of funding earning assets | 1.2055% | 796 |
| Net interest margin | 2.7544% | 6,642 |
| Noninterest income to average assets | 0.2928% | 5,462 |
| Noninterest expense to average assets | 2.1245% | 6,187 |
| Loan and lease loss provision to assets | 0.0603% | 4,898 |
| Net operating income to assets | 0.6857% | 3,946 |
| Return on assets (ROA) | 0.6881% | 4,195 |
| Pretax return on assets | 0.6821% | 4,879 |
| Return on Equity (ROE) | 6.6697% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.0973% | 2,657 |
| Net charge-offs to loans | 0.2626% | 3,005 |
| Credit loss provision to net charge-offs | 51.0204% | 4,011 |
| Earnings coverage of net charge-offs (x) | 6.2653% | 2,671 |
| Efficiency ratio | 74.1691% | 3,048 |
| Assets per employee ($millions) | 5.1368% | 1,988 |
| Cash dividends to net income (ytd only)* | 8.5814% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 4,803 |
| Loan loss allowance to noncurrent loans | 43.4532% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.8086% | 1,960 |
| Noncurrent loans to loans | 3.0371% | 1,941 |
| Net loans and leases to total assets | 43.1846% | 6,093 |
| Net loans and leases to deposits | 48.4349% | 6,287 |
| Net loans and leases to core deposits | 54.6184% | 6,053 |
| Total domestic deposits to total assets | 89.1602% | 1,411 |
| Equity capital to assets | 10.2298% | 4,020 |
| Core capital (leverage) ratio | 9.7185% | 3,803 |
| Tier 1 risk-based capital ratio | 17.5889% | 2,445 |
| Total risk-based capital ratio | 18.6403% | 2,476 |
| Memoranda: | ||
| Average total assets | $165,967,000 | 3,566 |
| Average earning assets | $154,953,330 | 3,519 |
| Average equity | $17,122,330 | 3,623 |
| Average total loans | $74,640,330 | 4,261 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 5,622 |
| Cost of funding earning assets | 1.2335% | 832 |
| Net interest margin | 2.8119% | 6,619 |
| Noninterest income to average assets | 0.3021% | 5,460 |
| Noninterest expense to average assets | 2.5239% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4970% | 4,843 |
| Return on assets (ROA) | 0.5018% | 5,034 |
| Pretax return on assets | 0.4044% | 5,711 |
| Return on Equity (ROE) | 4.8434% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.8434% | 3,645 |
| Net charge-offs to loans | 0.5236% | 1,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.6735% | 3,492 |
| Efficiency ratio | 86.3333% | 1,448 |
| Assets per employee ($millions) | 5.0643% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2568% | 5,215 |
| Loan loss allowance to noncurrent loans | 82.3582% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.3994% | 2,470 |
| Noncurrent loans to loans | 1.5260% | 3,830 |
| Net loans and leases to total assets | 43.6732% | 6,043 |
| Net loans and leases to deposits | 48.8996% | 6,233 |
| Net loans and leases to core deposits | 55.3040% | 5,963 |
| Total domestic deposits to total assets | 89.3121% | 1,475 |
| Equity capital to assets | 10.0896% | 4,014 |
| Core capital (leverage) ratio | 9.6366% | 3,866 |
| Tier 1 risk-based capital ratio | 18.7039% | 2,076 |
| Total risk-based capital ratio | 19.7857% | 2,105 |
| Memoranda: | ||
| Average total assets | $164,193,500 | 3,614 |
| Average earning assets | $153,065,500 | 3,565 |
| Average equity | $17,013,000 | 3,648 |
| Average total loans | $74,869,000 | 4,276 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 5,421 |
| Cost of funding earning assets | 1.3487% | 1,244 |
| Net interest margin | 3.0521% | 6,448 |
| Noninterest income to average assets | 0.3357% | 5,132 |
| Noninterest expense to average assets | 2.2109% | 6,246 |
| Loan and lease loss provision to assets | 0.2042% | 4,144 |
| Net operating income to assets | 0.6745% | 3,606 |
| Return on assets (ROA) | 0.7175% | 3,576 |
| Pretax return on assets | 0.7901% | 4,015 |
| Return on Equity (ROE) | 7.0642% | 3,378 |
| Retained earnings to average equity (ytd only) | 6.4452% | 1,775 |
| Net charge-offs to loans | 0.2496% | 4,216 |
| Credit loss provision to net charge-offs | 169.3548% | 1,588 |
| Earnings coverage of net charge-offs (x) | 7.8548% | 2,245 |
| Efficiency ratio | 70.0123% | 3,957 |
| Assets per employee ($millions) | 5.0395% | 2,138 |
| Cash dividends to net income (ytd only)* | 8.7624% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 4,647 |
| Loan loss allowance to noncurrent loans | 77.3926% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.6584% | 2,293 |
| Noncurrent loans to loans | 1.7502% | 3,529 |
| Net loans and leases to total assets | 46.3798% | 5,985 |
| Net loans and leases to deposits | 52.2418% | 6,186 |
| Net loans and leases to core deposits | 57.1317% | 6,066 |
| Total domestic deposits to total assets | 88.7793% | 1,671 |
| Equity capital to assets | 10.6434% | 3,372 |
| Core capital (leverage) ratio | 9.9651% | 3,384 |
| Tier 1 risk-based capital ratio | 18.7159% | 1,986 |
| Total risk-based capital ratio | 19.9282% | 1,961 |
| Memoranda: | ||
| Average total assets | $154,283,400 | 3,732 |
| Average earning assets | $142,655,800 | 3,700 |
| Average equity | $15,670,600 | 3,776 |
| Average total loans | $74,533,800 | 4,329 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4625% | 5,378 |
| Cost of funding earning assets | 1.3721% | 1,363 |
| Net interest margin | 3.0905% | 6,405 |
| Noninterest income to average assets | 0.3479% | 5,075 |
| Noninterest expense to average assets | 2.2700% | 6,121 |
| Loan and lease loss provision to assets | 0.2316% | 3,701 |
| Net operating income to assets | 0.6912% | 3,671 |
| Return on assets (ROA) | 0.7543% | 3,530 |
| Pretax return on assets | 0.7648% | 4,260 |
| Return on Equity (ROE) | 7.5219% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.0948% | 1,921 |
| Net charge-offs to loans | 0.2246% | 4,033 |
| Credit loss provision to net charge-offs | 212.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 8.5361% | 2,160 |
| Efficiency ratio | 70.8788% | 3,765 |
| Assets per employee ($millions) | 4.9701% | 2,226 |
| Cash dividends to net income (ytd only)* | 5.6777% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,687 |
| Loan loss allowance to noncurrent loans | 111.4930% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 2.7339% | 2,374 |
| Noncurrent loans to loans | 1.2279% | 4,490 |
| Net loans and leases to total assets | 47.0206% | 6,054 |
| Net loans and leases to deposits | 52.7629% | 6,312 |
| Net loans and leases to core deposits | 57.3855% | 6,183 |
| Total domestic deposits to total assets | 89.1168% | 1,356 |
| Equity capital to assets | 10.2463% | 4,024 |
| Core capital (leverage) ratio | 10.0364% | 3,385 |
| Tier 1 risk-based capital ratio | 18.5963% | 2,064 |
| Total risk-based capital ratio | 19.8290% | 2,026 |
| Memoranda: | ||
| Average total assets | $152,538,250 | 3,783 |
| Average earning assets | $140,902,500 | 3,747 |
| Average equity | $15,297,250 | 3,864 |
| Average total loans | $74,212,000 | 4,379 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5244% | 5,278 |
| Cost of funding earning assets | 1.4052% | 1,399 |
| Net interest margin | 3.1192% | 6,370 |
| Noninterest income to average assets | 0.3511% | 5,081 |
| Noninterest expense to average assets | 2.3808% | 5,904 |
| Loan and lease loss provision to assets | 0.1822% | 4,097 |
| Net operating income to assets | 0.7049% | 3,519 |
| Return on assets (ROA) | 0.7076% | 3,614 |
| Pretax return on assets | 0.6664% | 4,514 |
| Return on Equity (ROE) | 7.1102% | 3,400 |
| Retained earnings to average equity (ytd only) | 6.4554% | 2,166 |
| Net charge-offs to loans | 0.1303% | 4,435 |
| Credit loss provision to net charge-offs | 285.4167% | 1,072 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,562 |
| Efficiency ratio | 73.7840% | 3,396 |
| Assets per employee ($millions) | 4.6317% | 2,641 |
| Cash dividends to net income (ytd only)* | 9.2105% | 3,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3375% | 4,879 |
| Loan loss allowance to noncurrent loans | 69.0693% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 3.0887% | 2,172 |
| Noncurrent loans to loans | 1.9365% | 3,559 |
| Net loans and leases to total assets | 47.6342% | 6,092 |
| Net loans and leases to deposits | 53.3928% | 6,353 |
| Net loans and leases to core deposits | 57.9992% | 6,270 |
| Total domestic deposits to total assets | 89.2146% | 1,409 |
| Equity capital to assets | 10.1645% | 3,928 |
| Core capital (leverage) ratio | 10.1946% | 3,040 |
| Tier 1 risk-based capital ratio | 18.8168% | 1,901 |
| Total risk-based capital ratio | 20.0285% | 1,876 |
| Memoranda: | ||
| Average total assets | $150,370,000 | 3,840 |
| Average earning assets | $138,624,670 | 3,812 |
| Average equity | $14,964,330 | 3,913 |
| Average total loans | $73,675,670 | 4,438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 4,923 |
| Cost of funding earning assets | 1.4435% | 1,422 |
| Net interest margin | 3.1611% | 6,188 |
| Noninterest income to average assets | 0.3567% | 5,049 |
| Noninterest expense to average assets | 2.2906% | 6,212 |
| Loan and lease loss provision to assets | 0.2146% | 3,505 |
| Net operating income to assets | 0.6818% | 3,601 |
| Return on assets (ROA) | 0.6866% | 3,641 |
| Pretax return on assets | 0.7644% | 4,040 |
| Return on Equity (ROE) | 6.9762% | 3,390 |
| Retained earnings to average equity (ytd only) | 6.9762% | 2,153 |
| Net charge-offs to loans | 0.2554% | 3,053 |
| Credit loss provision to net charge-offs | 170.2128% | 1,698 |
| Earnings coverage of net charge-offs (x) | 7.7234% | 1,906 |
| Efficiency ratio | 70.1726% | 4,223 |
| Assets per employee ($millions) | 4.6775% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2392% | 5,447 |
| Loan loss allowance to noncurrent loans | 53.2914% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 3.2757% | 2,092 |
| Noncurrent loans to loans | 2.3253% | 3,163 |
| Net loans and leases to total assets | 49.5718% | 5,899 |
| Net loans and leases to deposits | 55.2952% | 6,192 |
| Net loans and leases to core deposits | 59.7281% | 6,116 |
| Total domestic deposits to total assets | 89.6493% | 1,390 |
| Equity capital to assets | 9.7374% | 4,127 |
| Core capital (leverage) ratio | 10.2062% | 2,924 |
| Tier 1 risk-based capital ratio | 18.4790% | 1,963 |
| Total risk-based capital ratio | 19.6182% | 1,956 |
| Memoranda: | ||
| Average total assets | $149,132,000 | 3,893 |
| Average earning assets | $137,165,500 | 3,875 |
| Average equity | $14,678,500 | 3,961 |
| Average total loans | $73,616,500 | 4,483 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 5,427 |
| Cost of funding earning assets | 2.1854% | 316 |
| Net interest margin | 2.6098% | 7,198 |
| Noninterest income to average assets | 0.4034% | 4,884 |
| Noninterest expense to average assets | 2.2608% | 6,456 |
| Loan and lease loss provision to assets | 0.2855% | 4,515 |
| Net operating income to assets | 0.3434% | 4,774 |
| Return on assets (ROA) | 0.4474% | 4,491 |
| Pretax return on assets | 0.3350% | 5,129 |
| Return on Equity (ROE) | 4.3657% | 4,361 |
| Retained earnings to average equity (ytd only) | 4.2023% | 2,899 |
| Net charge-offs to loans | 0.6337% | 3,123 |
| Credit loss provision to net charge-offs | 88.3369% | 5,197 |
| Earnings coverage of net charge-offs (x) | 1.5983% | 4,539 |
| Efficiency ratio | 81.4024% | 2,238 |
| Assets per employee ($millions) | 4.6433% | 2,633 |
| Cash dividends to net income (ytd only)* | 3.7441% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 5,301 |
| Loan loss allowance to noncurrent loans | 54.3584% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 3.4883% | 1,990 |
| Noncurrent loans to loans | 2.2912% | 3,230 |
| Net loans and leases to total assets | 47.9224% | 6,399 |
| Net loans and leases to deposits | 53.5759% | 6,638 |
| Net loans and leases to core deposits | 57.9152% | 6,568 |
| Total domestic deposits to total assets | 89.4477% | 1,412 |
| Equity capital to assets | 9.9486% | 3,811 |
| Core capital (leverage) ratio | 10.0667% | 3,010 |
| Tier 1 risk-based capital ratio | 18.6631% | 1,795 |
| Total risk-based capital ratio | 19.7921% | 1,796 |
| Memoranda: | ||
| Average total assets | $143,266,000 | 4,000 |
| Average earning assets | $130,317,800 | 4,009 |
| Average equity | $14,682,600 | 3,997 |
| Average total loans | $73,065,600 | 4,563 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 5,541 |
| Cost of funding earning assets | 2.3696% | 211 |
| Net interest margin | 2.4628% | 7,393 |
| Noninterest income to average assets | 0.4161% | 4,829 |
| Noninterest expense to average assets | 2.2310% | 6,519 |
| Loan and lease loss provision to assets | 0.3222% | 4,011 |
| Net operating income to assets | 0.2762% | 5,252 |
| Return on assets (ROA) | 0.3006% | 5,331 |
| Pretax return on assets | 0.1221% | 5,879 |
| Return on Equity (ROE) | 2.9108% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.9108% | 4,387 |
| Net charge-offs to loans | 0.8112% | 2,424 |
| Credit loss provision to net charge-offs | 76.9058% | 5,229 |
| Earnings coverage of net charge-offs (x) | 1.0023% | 5,061 |
| Efficiency ratio | 84.1602% | 1,821 |
| Assets per employee ($millions) | 4.3903% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,648 |
| Loan loss allowance to noncurrent loans | 55.1657% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 3.6113% | 1,975 |
| Noncurrent loans to loans | 2.1112% | 3,558 |
| Net loans and leases to total assets | 49.7294% | 6,353 |
| Net loans and leases to deposits | 55.9175% | 6,625 |
| Net loans and leases to core deposits | 60.4506% | 6,575 |
| Total domestic deposits to total assets | 88.9336% | 1,425 |
| Equity capital to assets | 10.4390% | 3,587 |
| Core capital (leverage) ratio | 10.0595% | 3,196 |
| Tier 1 risk-based capital ratio | 18.7680% | 1,802 |
| Total risk-based capital ratio | 19.8633% | 1,807 |
| Memoranda: | ||
| Average total assets | $141,936,500 | 4,080 |
| Average earning assets | $128,793,250 | 4,091 |
| Average equity | $14,657,750 | 4,065 |
| Average total loans | $73,306,250 | 4,627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8177% | 5,729 |
| Cost of funding earning assets | 2.5619% | 140 |
| Net interest margin | 2.2558% | 7,553 |
| Noninterest income to average assets | 0.4257% | 4,709 |
| Noninterest expense to average assets | 2.2333% | 6,560 |
| Loan and lease loss provision to assets | 0.1972% | 4,894 |
| Net operating income to assets | 0.2355% | 5,434 |
| Return on assets (ROA) | 0.2710% | 5,444 |
| Pretax return on assets | 0.0695% | 6,037 |
| Return on Equity (ROE) | 2.6341% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.6341% | 4,466 |
| Net charge-offs to loans | 1.1247% | 1,682 |
| Credit loss provision to net charge-offs | 33.6562% | 5,685 |
| Earnings coverage of net charge-offs (x) | 0.3947% | 5,342 |
| Efficiency ratio | 90.6160% | 1,284 |
| Assets per employee ($millions) | 4.3006% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 6,690 |
| Loan loss allowance to noncurrent loans | 55.7566% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 3.0563% | 2,331 |
| Noncurrent loans to loans | 1.6515% | 4,226 |
| Net loans and leases to total assets | 49.8902% | 6,443 |
| Net loans and leases to deposits | 55.9608% | 6,732 |
| Net loans and leases to core deposits | 60.2788% | 6,698 |
| Total domestic deposits to total assets | 89.1520% | 1,350 |
| Equity capital to assets | 10.1743% | 3,805 |
| Core capital (leverage) ratio | 10.0318% | 3,130 |
| Tier 1 risk-based capital ratio | 18.1919% | 1,898 |
| Total risk-based capital ratio | 19.0473% | 1,974 |
| Memoranda: | ||
| Average total assets | $140,955,330 | 4,120 |
| Average earning assets | $127,405,670 | 4,148 |
| Average equity | $14,502,330 | 4,086 |
| Average total loans | $73,442,670 | 4,661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 5,779 |
| Cost of funding earning assets | 2.6278% | 152 |
| Net interest margin | 2.1989% | 7,647 |
| Noninterest income to average assets | 0.4309% | 4,657 |
| Noninterest expense to average assets | 2.2556% | 6,523 |
| Loan and lease loss provision to assets | 0.2632% | 3,930 |
| Net operating income to assets | 0.1562% | 5,833 |
| Return on assets (ROA) | 0.1562% | 5,957 |
| Pretax return on assets | -0.1157% | 6,480 |
| Return on Equity (ROE) | 1.5089% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.5089% | 5,188 |
| Net charge-offs to loans | 1.9196% | 898 |
| Credit loss provision to net charge-offs | 25.8523% | 4,879 |
| Earnings coverage of net charge-offs (x) | 0.1449% | 4,906 |
| Efficiency ratio | 93.8628% | 1,140 |
| Assets per employee ($millions) | 4.0629% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 6,684 |
| Loan loss allowance to noncurrent loans | 43.4318% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 3.6413% | 1,925 |
| Noncurrent loans to loans | 2.1790% | 3,561 |
| Net loans and leases to total assets | 50.8590% | 6,387 |
| Net loans and leases to deposits | 57.0537% | 6,693 |
| Net loans and leases to core deposits | 61.6181% | 6,632 |
| Total domestic deposits to total assets | 89.1423% | 1,445 |
| Equity capital to assets | 10.2009% | 3,606 |
| Core capital (leverage) ratio | 10.2622% | 2,855 |
| Tier 1 risk-based capital ratio | 18.1971% | 1,899 |
| Total risk-based capital ratio | 19.0775% | 1,961 |
| Memoranda: | ||
| Average total assets | $138,322,500 | 4,222 |
| Average earning assets | $124,059,500 | 4,286 |
| Average equity | $14,315,000 | 4,162 |
| Average total loans | $73,350,000 | 4,738 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 5,694 |
| Cost of funding earning assets | 2.8480% | 380 |
| Net interest margin | 2.3417% | 7,552 |
| Noninterest income to average assets | 0.4176% | 5,067 |
| Noninterest expense to average assets | 2.6996% | 5,398 |
| Loan and lease loss provision to assets | 0.2887% | 5,122 |
| Net operating income to assets | -0.0181% | 5,524 |
| Return on assets (ROA) | 0.1374% | 5,155 |
| Pretax return on assets | -0.1809% | 5,680 |
| Return on Equity (ROE) | 1.1993% | 5,167 |
| Retained earnings to average equity (ytd only) | 1.1993% | 4,202 |
| Net charge-offs to loans | 0.3817% | 4,299 |
| Credit loss provision to net charge-offs | 131.4488% | 3,849 |
| Earnings coverage of net charge-offs (x) | -0.6148% | 6,764 |
| Efficiency ratio | 105.2663% | 926 |
| Assets per employee ($millions) | 3.8412% | 4,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 4,810 |
| Loan loss allowance to noncurrent loans | 25.3124% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 3.7994% | 1,749 |
| Noncurrent loans to loans | 5.1041% | 1,312 |
| Net loans and leases to total assets | 54.1007% | 6,187 |
| Net loans and leases to deposits | 60.9275% | 6,568 |
| Net loans and leases to core deposits | 90.7010% | 5,052 |
| Total domestic deposits to total assets | 88.7952% | 1,574 |
| Equity capital to assets | 10.5056% | 3,173 |
| Core capital (leverage) ratio | 11.1127% | 2,166 |
| Tier 1 risk-based capital ratio | 18.8570% | 1,687 |
| Total risk-based capital ratio | 20.0932% | 1,654 |
| Memoranda: | ||
| Average total assets | $128,833,200 | 4,361 |
| Average earning assets | $118,118,600 | 4,354 |
| Average equity | $14,758,400 | 4,106 |
| Average total loans | $74,136,200 | 4,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 5,680 |
| Cost of funding earning assets | 2.8970% | 465 |
| Net interest margin | 2.3540% | 7,599 |
| Noninterest income to average assets | 0.4060% | 5,234 |
| Noninterest expense to average assets | 2.6544% | 5,512 |
| Loan and lease loss provision to assets | 0.3170% | 4,445 |
| Net operating income to assets | -0.0188% | 5,742 |
| Return on assets (ROA) | -0.0188% | 5,802 |
| Pretax return on assets | -0.3976% | 6,197 |
| Return on Equity (ROE) | -0.1609% | 5,805 |
| Retained earnings to average equity (ytd only) | -0.1609% | 5,251 |
| Net charge-offs to loans | 0.3645% | 3,829 |
| Credit loss provision to net charge-offs | 149.2611% | 3,228 |
| Earnings coverage of net charge-offs (x) | -0.3793% | 6,412 |
| Efficiency ratio | 103.1301% | 946 |
| Assets per employee ($millions) | 3.6539% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 4,524 |
| Loan loss allowance to noncurrent loans | 21.1741% | 7,027 |
| Noncurrent assets plus other real estate owned to assets | 4.1841% | 1,502 |
| Noncurrent loans to loans | 6.1262% | 953 |
| Net loans and leases to total assets | 57.2970% | 5,992 |
| Net loans and leases to deposits | 65.6295% | 6,342 |
| Net loans and leases to core deposits | 95.1451% | 4,915 |
| Total domestic deposits to total assets | 87.3037% | 2,013 |
| Equity capital to assets | 11.9386% | 2,271 |
| Core capital (leverage) ratio | 11.1138% | 2,319 |
| Tier 1 risk-based capital ratio | 18.8377% | 1,784 |
| Total risk-based capital ratio | 20.0881% | 1,743 |
| Memoranda: | ||
| Average total assets | $127,431,000 | 4,417 |
| Average earning assets | $117,359,500 | 4,396 |
| Average equity | $14,917,000 | 4,108 |
| Average total loans | $74,248,750 | 4,762 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2620% | 5,817 |
| Cost of funding earning assets | 2.9082% | 597 |
| Net interest margin | 2.3538% | 7,620 |
| Noninterest income to average assets | 0.3803% | 5,464 |
| Noninterest expense to average assets | 2.5723% | 5,849 |
| Loan and lease loss provision to assets | 0.3426% | 3,881 |
| Net operating income to assets | 0.0000% | 5,832 |
| Return on assets (ROA) | 0.0000% | 5,913 |
| Pretax return on assets | -0.3661% | 6,293 |
| Return on Equity (ROE) | 0.0000% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.3959% | 3,215 |
| Credit loss provision to net charge-offs | 148.2993% | 3,114 |
| Earnings coverage of net charge-offs (x) | -0.1020% | 5,796 |
| Efficiency ratio | 100.9248% | 1,132 |
| Assets per employee ($millions) | 3.6751% | 4,384 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 4,491 |
| Loan loss allowance to noncurrent loans | 33.9020% | 6,200 |
| Noncurrent assets plus other real estate owned to assets | 2.8019% | 2,295 |
| Noncurrent loans to loans | 3.7369% | 1,855 |
| Net loans and leases to total assets | 56.5900% | 6,139 |
| Net loans and leases to deposits | 67.3801% | 6,256 |
| Net loans and leases to core deposits | 95.6643% | 4,939 |
| Total domestic deposits to total assets | 83.9863% | 3,782 |
| Equity capital to assets | 11.3786% | 2,615 |
| Core capital (leverage) ratio | 11.2299% | 2,243 |
| Tier 1 risk-based capital ratio | 18.9824% | 1,785 |
| Total risk-based capital ratio | 20.2183% | 1,742 |
| Memoranda: | ||
| Average total assets | $127,278,670 | 4,450 |
| Average earning assets | $117,256,000 | 4,437 |
| Average equity | $14,800,000 | 4,146 |
| Average total loans | $74,252,000 | 4,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 6,148 |
| Cost of funding earning assets | 2.8958% | 778 |
| Net interest margin | 2.3467% | 7,671 |
| Noninterest income to average assets | 0.3728% | 5,440 |
| Noninterest expense to average assets | 2.6097% | 5,416 |
| Loan and lease loss provision to assets | 0.4644% | 2,614 |
| Net operating income to assets | -0.0948% | 6,403 |
| Return on assets (ROA) | -0.0948% | 6,519 |
| Pretax return on assets | -0.5276% | 6,840 |
| Return on Equity (ROE) | -0.8063% | 6,511 |
| Retained earnings to average equity (ytd only) | -0.8063% | 5,838 |
| Net charge-offs to loans | 0.3650% | 2,638 |
| Credit loss provision to net charge-offs | 216.1765% | 2,087 |
| Earnings coverage of net charge-offs (x) | -0.2941% | 5,181 |
| Efficiency ratio | 102.4814% | 1,036 |
| Assets per employee ($millions) | 3.6486% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 4,405 |
| Loan loss allowance to noncurrent loans | 36.2447% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 2.7024% | 2,105 |
| Noncurrent loans to loans | 3.4560% | 1,849 |
| Net loans and leases to total assets | 58.1515% | 5,921 |
| Net loans and leases to deposits | 69.3656% | 6,041 |
| Net loans and leases to core deposits | 98.7500% | 4,669 |
| Total domestic deposits to total assets | 83.8333% | 3,780 |
| Equity capital to assets | 11.6037% | 2,523 |
| Core capital (leverage) ratio | 11.4579% | 2,173 |
| Tier 1 risk-based capital ratio | 18.9713% | 1,819 |
| Total risk-based capital ratio | 20.2197% | 1,775 |
| Memoranda: | ||
| Average total assets | $126,604,500 | 4,479 |
| Average earning assets | $117,273,000 | 4,449 |
| Average equity | $14,882,000 | 4,162 |
| Average total loans | $74,516,000 | 4,822 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7174% | 6,720 |
| Cost of funding earning assets | 3.0618% | 1,631 |
| Net interest margin | 2.6555% | 7,566 |
| Noninterest income to average assets | 0.3662% | 5,774 |
| Noninterest expense to average assets | 2.3449% | 6,580 |
| Loan and lease loss provision to assets | 0.2699% | 4,236 |
| Net operating income to assets | 0.4191% | 5,078 |
| Return on assets (ROA) | 0.4191% | 4,893 |
| Pretax return on assets | 0.2431% | 5,642 |
| Return on Equity (ROE) | 3.2955% | 5,121 |
| Retained earnings to average equity (ytd only) | -23.1428% | 7,764 |
| Net charge-offs to loans | 0.2974% | 3,405 |
| Credit loss provision to net charge-offs | 159.0698% | 3,252 |
| Earnings coverage of net charge-offs (x) | 3.0233% | 4,576 |
| Efficiency ratio | 82.0492% | 2,297 |
| Assets per employee ($millions) | 3.9221% | 3,676 |
| Cash dividends to net income (ytd only)* | 802.2599% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1675% | 4,796 |
| Loan loss allowance to noncurrent loans | 35.9316% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2756% | 2,139 |
| Noncurrent loans to loans | 3.2494% | 1,610 |
| Net loans and leases to total assets | 58.1381% | 6,180 |
| Net loans and leases to deposits | 69.6911% | 6,301 |
| Net loans and leases to core deposits | 99.0659% | 4,921 |
| Total domestic deposits to total assets | 83.4226% | 3,605 |
| Equity capital to assets | 11.9084% | 2,351 |
| Core capital (leverage) ratio | 11.4079% | 2,306 |
| Tier 1 risk-based capital ratio | 19.3898% | 1,733 |
| Total risk-based capital ratio | 20.5550% | 1,703 |
| Memoranda: | ||
| Average total assets | $126,703,000 | 4,358 |
| Average earning assets | $118,883,600 | 4,289 |
| Average equity | $16,113,000 | 3,907 |
| Average total loans | $72,289,200 | 4,791 |