Home > First State Bank & Trust > Performance and Condition Ratios
First State Bank & Trust, 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 | 4.0875% | 4,230 |
| Cost of funding earning assets | 1.3782% | 3,448 |
| Net interest margin | 2.7094% | 3,826 |
| Noninterest income to average assets | 0.7300% | 962 |
| Noninterest expense to average assets | 1.9985% | 3,561 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.2602% | 1,568 |
| Return on assets (ROA) | 1.2587% | 1,569 |
| Pretax return on assets | 1.2587% | 2,088 |
| Return on Equity (ROE) | 11.4000% | 1,906 |
| Retained earnings to average equity (ytd only) | 11.4003% | 881 |
| Net charge-offs to loans | -0.0021% | 3,562 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 60.3065% | 2,922 |
| Assets per employee ($millions) | 8.2240% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 779 |
| Loan loss allowance to noncurrent loans | 780.2564% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,185 |
| Noncurrent loans to loans | 0.2080% | 2,755 |
| Net loans and leases to total assets | 33.4800% | 4,131 |
| Net loans and leases to deposits | 37.8668% | 4,172 |
| Net loans and leases to core deposits | 42.8914% | 4,118 |
| Total domestic deposits to total assets | 88.4100% | 1,417 |
| Equity capital to assets | 11.3512% | 1,486 |
| Core capital (leverage) ratio | 14.4186% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0119% | 253 |
| Memoranda: | ||
| Average total assets | $543,406,000 | 1,678 |
| Average earning assets | $519,236,500 | 1,646 |
| Average equity | $59,998,500 | 1,548 |
| Average total loans | $189,725,000 | 2,479 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 4,242 |
| Cost of funding earning assets | 1.4509% | 3,445 |
| Net interest margin | 2.6106% | 3,763 |
| Noninterest income to average assets | 0.8000% | 917 |
| Noninterest expense to average assets | 2.0653% | 3,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.2256% | 1,442 |
| Return on assets (ROA) | 1.2266% | 1,450 |
| Pretax return on assets | 1.2266% | 1,928 |
| Return on Equity (ROE) | 11.2800% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.1471% | 1,765 |
| Net charge-offs to loans | 0.0101% | 2,544 |
| Credit loss provision to net charge-offs | -268.4211% | 4,406 |
| Earnings coverage of net charge-offs (x) | 336.7368% | 351 |
| Efficiency ratio | 62.8261% | 2,850 |
| Assets per employee ($millions) | 7.9971% | 1,541 |
| Cash dividends to net income (ytd only)* | 45.4998% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,053 |
| Loan loss allowance to noncurrent loans | 1,115.6250% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,332 |
| Noncurrent loans to loans | 0.1334% | 2,988 |
| Net loans and leases to total assets | 35.2900% | 4,131 |
| Net loans and leases to deposits | 39.6365% | 4,164 |
| Net loans and leases to core deposits | 44.4382% | 4,123 |
| Total domestic deposits to total assets | 89.0300% | 1,156 |
| Equity capital to assets | 10.7224% | 1,711 |
| Core capital (leverage) ratio | 14.2030% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6433% | 262 |
| Memoranda: | ||
| Average total assets | $523,567,400 | 1,716 |
| Average earning assets | $499,610,200 | 1,676 |
| Average equity | $56,937,400 | 1,557 |
| Average total loans | $188,130,000 | 2,460 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9601% | 4,313 |
| Cost of funding earning assets | 1.4513% | 3,449 |
| Net interest margin | 2.5088% | 3,879 |
| Noninterest income to average assets | 0.8100% | 864 |
| Noninterest expense to average assets | 2.0341% | 3,479 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1740% | 1,571 |
| Return on assets (ROA) | 1.1714% | 1,578 |
| Pretax return on assets | 1.1714% | 2,061 |
| Return on Equity (ROE) | 10.7300% | 1,990 |
| Retained earnings to average equity (ytd only) | 5.5788% | 2,250 |
| Net charge-offs to loans | 0.0050% | 2,503 |
| Credit loss provision to net charge-offs | -728.5714% | 4,481 |
| Earnings coverage of net charge-offs (x) | 652.2857% | 203 |
| Efficiency ratio | 63.4924% | 2,774 |
| Assets per employee ($millions) | 7.8792% | 1,592 |
| Cash dividends to net income (ytd only)* | 48.0210% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 1,076 |
| Loan loss allowance to noncurrent loans | 183.6108% | 2,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 2,065 |
| Noncurrent loans to loans | 0.8112% | 1,229 |
| Net loans and leases to total assets | 34.8900% | 4,160 |
| Net loans and leases to deposits | 40.3595% | 4,184 |
| Net loans and leases to core deposits | 44.3128% | 4,162 |
| Total domestic deposits to total assets | 86.4500% | 1,779 |
| Equity capital to assets | 11.6518% | 1,405 |
| Core capital (leverage) ratio | 14.3204% | 751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4055% | 273 |
| Memoranda: | ||
| Average total assets | $520,508,000 | 1,717 |
| Average earning assets | $496,640,250 | 1,680 |
| Average equity | $56,809,000 | 1,552 |
| Average total loans | $187,179,250 | 2,457 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9054% | 4,336 |
| Cost of funding earning assets | 1.4079% | 3,461 |
| Net interest margin | 2.4976% | 3,883 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.0710% | 3,403 |
| Loan and lease loss provision to assets | -0.0100% | 4,151 |
| Net operating income to assets | 1.0862% | 1,753 |
| Return on assets (ROA) | 1.0733% | 1,785 |
| Pretax return on assets | 1.0733% | 2,277 |
| Return on Equity (ROE) | 10.0800% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.6898% | 2,454 |
| Net charge-offs to loans | 0.0032% | 2,370 |
| Credit loss provision to net charge-offs | -1,300.0000% | 4,526 |
| Earnings coverage of net charge-offs (x) | 922.6667% | 120 |
| Efficiency ratio | 65.7341% | 2,570 |
| Assets per employee ($millions) | 7.4261% | 1,779 |
| Cash dividends to net income (ytd only)* | 53.4520% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 982 |
| Loan loss allowance to noncurrent loans | 140.8891% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,600 |
| Noncurrent loans to loans | 1.0914% | 836 |
| Net loans and leases to total assets | 36.0400% | 4,152 |
| Net loans and leases to deposits | 40.3793% | 4,196 |
| Net loans and leases to core deposits | 44.5696% | 4,153 |
| Total domestic deposits to total assets | 89.2600% | 927 |
| Equity capital to assets | 10.4481% | 1,836 |
| Core capital (leverage) ratio | 14.3969% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6720% | 263 |
| Memoranda: | ||
| Average total assets | $512,788,333 | 1,730 |
| Average earning assets | $489,114,000 | 1,695 |
| Average equity | $54,629,667 | 1,576 |
| Average total loans | $185,388,000 | 2,460 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,369 |
| Cost of funding earning assets | 1.3563% | 3,462 |
| Net interest margin | 2.4537% | 3,937 |
| Noninterest income to average assets | 0.7900% | 844 |
| Noninterest expense to average assets | 2.0617% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0683% | 1,746 |
| Return on assets (ROA) | 1.0729% | 1,742 |
| Pretax return on assets | 1.0729% | 2,205 |
| Return on Equity (ROE) | 9.9800% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.9753% | 1,116 |
| Net charge-offs to loans | -0.0043% | 3,691 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.8695% | 2,608 |
| Assets per employee ($millions) | 7.4700% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6010% | 845 |
| Loan loss allowance to noncurrent loans | 419.9128% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 2,747 |
| Noncurrent loans to loans | 0.3813% | 1,983 |
| Net loans and leases to total assets | 34.4500% | 4,187 |
| Net loans and leases to deposits | 38.6866% | 4,208 |
| Net loans and leases to core deposits | 43.6073% | 4,211 |
| Total domestic deposits to total assets | 89.0500% | 1,093 |
| Equity capital to assets | 10.6870% | 1,640 |
| Core capital (leverage) ratio | 14.3588% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8018% | 270 |
| Memoranda: | ||
| Average total assets | $512,982,000 | 1,725 |
| Average earning assets | $489,555,000 | 1,700 |
| Average equity | $55,176,500 | 1,559 |
| Average total loans | $184,303,000 | 2,464 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4685% | 4,403 |
| Cost of funding earning assets | 0.8536% | 3,607 |
| Net interest margin | 2.6150% | 3,943 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.0114% | 3,599 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 1.2049% | 1,640 |
| Return on assets (ROA) | 1.2326% | 1,549 |
| Pretax return on assets | 1.2326% | 2,059 |
| Return on Equity (ROE) | 12.3400% | 1,881 |
| Retained earnings to average equity (ytd only) | 4.8009% | 2,673 |
| Net charge-offs to loans | -0.0626% | 4,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.8391% | 2,750 |
| Assets per employee ($millions) | 7.1906% | 1,942 |
| Cash dividends to net income (ytd only)* | 61.0817% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5551% | 925 |
| Loan loss allowance to noncurrent loans | 1,104.1509% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 3,247 |
| Noncurrent loans to loans | 0.1408% | 2,808 |
| Net loans and leases to total assets | 36.2800% | 4,141 |
| Net loans and leases to deposits | 41.4661% | 4,165 |
| Net loans and leases to core deposits | 46.2821% | 4,151 |
| Total domestic deposits to total assets | 87.5000% | 1,516 |
| Equity capital to assets | 10.8257% | 1,572 |
| Core capital (leverage) ratio | 14.1775% | 765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2561% | 286 |
| Memoranda: | ||
| Average total assets | $505,515,400 | 1,711 |
| Average earning assets | $481,268,200 | 1,684 |
| Average equity | $50,511,400 | 1,594 |
| Average total loans | $172,527,400 | 2,507 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3718% | 4,428 |
| Cost of funding earning assets | 0.7339% | 3,692 |
| Net interest margin | 2.6379% | 3,970 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 1.9942% | 3,608 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.2678% | 1,614 |
| Return on assets (ROA) | 1.2887% | 1,555 |
| Pretax return on assets | 1.2887% | 2,073 |
| Return on Equity (ROE) | 13.1800% | 1,867 |
| Retained earnings to average equity (ytd only) | 5.4579% | 2,794 |
| Net charge-offs to loans | -0.0854% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.5071% | 2,784 |
| Assets per employee ($millions) | 7.2333% | 1,801 |
| Cash dividends to net income (ytd only)* | 58.5761% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6758% | 739 |
| Loan loss allowance to noncurrent loans | 1,097.3783% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0543% | 3,265 |
| Noncurrent loans to loans | 0.1527% | 2,789 |
| Net loans and leases to total assets | 34.9500% | 4,218 |
| Net loans and leases to deposits | 39.5971% | 4,215 |
| Net loans and leases to core deposits | 43.1534% | 4,190 |
| Total domestic deposits to total assets | 88.2600% | 1,491 |
| Equity capital to assets | 8.8127% | 2,529 |
| Core capital (leverage) ratio | 14.3372% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7679% | 270 |
| Memoranda: | ||
| Average total assets | $504,260,750 | 1,722 |
| Average earning assets | $480,171,500 | 1,685 |
| Average equity | $49,322,000 | 1,615 |
| Average total loans | $168,621,000 | 2,536 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2451% | 4,482 |
| Cost of funding earning assets | 0.5929% | 3,773 |
| Net interest margin | 2.6522% | 4,035 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 1.9741% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3076% | 1,554 |
| Return on assets (ROA) | 1.3293% | 1,479 |
| Pretax return on assets | 1.3293% | 1,992 |
| Return on Equity (ROE) | 13.1700% | 1,866 |
| Retained earnings to average equity (ytd only) | 5.7528% | 2,711 |
| Net charge-offs to loans | -0.0192% | 4,112 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1534% | 2,939 |
| Assets per employee ($millions) | 7.3724% | 1,686 |
| Cash dividends to net income (ytd only)* | 56.3184% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6865% | 773 |
| Loan loss allowance to noncurrent loans | 432.6895% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 2,608 |
| Noncurrent loans to loans | 0.3898% | 1,757 |
| Net loans and leases to total assets | 33.8600% | 4,240 |
| Net loans and leases to deposits | 38.9198% | 4,239 |
| Net loans and leases to core deposits | 41.6202% | 4,224 |
| Total domestic deposits to total assets | 87.0000% | 1,924 |
| Equity capital to assets | 9.8980% | 1,918 |
| Core capital (leverage) ratio | 14.0463% | 762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1147% | 259 |
| Memoranda: | ||
| Average total assets | $508,394,000 | 1,708 |
| Average earning assets | $484,059,333 | 1,678 |
| Average equity | $51,314,000 | 1,568 |
| Average total loans | $166,549,000 | 2,549 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1579% | 4,509 |
| Cost of funding earning assets | 0.4100% | 3,938 |
| Net interest margin | 2.7479% | 4,013 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 1.9456% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4416% | 1,304 |
| Return on assets (ROA) | 1.4721% | 1,219 |
| Pretax return on assets | 1.4721% | 1,725 |
| Return on Equity (ROE) | 14.4500% | 1,676 |
| Retained earnings to average equity (ytd only) | 14.4477% | 877 |
| Net charge-offs to loans | -0.0465% | 4,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4394% | 3,253 |
| Assets per employee ($millions) | 7.5301% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7777% | 689 |
| Loan loss allowance to noncurrent loans | 1,083.6431% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,257 |
| Noncurrent loans to loans | 0.1641% | 2,670 |
| Net loans and leases to total assets | 31.4500% | 4,339 |
| Net loans and leases to deposits | 35.6917% | 4,336 |
| Net loans and leases to core deposits | 37.8557% | 4,319 |
| Total domestic deposits to total assets | 88.1300% | 1,887 |
| Equity capital to assets | 10.8411% | 1,404 |
| Core capital (leverage) ratio | 13.9854% | 741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3634% | 256 |
| Memoranda: | ||
| Average total assets | $511,930,500 | 1,717 |
| Average earning assets | $486,778,000 | 1,689 |
| Average equity | $52,160,500 | 1,561 |
| Average total loans | $163,489,000 | 2,599 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8924% | 4,245 |
| Cost of funding earning assets | 0.1356% | 4,203 |
| Net interest margin | 2.7568% | 3,964 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 1.7902% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6489% | 607 |
| Return on assets (ROA) | 1.6424% | 587 |
| Pretax return on assets | 1.6424% | 1,055 |
| Return on Equity (ROE) | 15.1800% | 1,216 |
| Retained earnings to average equity (ytd only) | 9.0063% | 1,478 |
| Net charge-offs to loans | -0.0111% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.0554% | 3,976 |
| Assets per employee ($millions) | 7.9970% | 1,323 |
| Cash dividends to net income (ytd only)* | 40.6519% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 688 |
| Loan loss allowance to noncurrent loans | 22,276.9231% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 3,919 |
| Noncurrent loans to loans | 0.0080% | 3,799 |
| Net loans and leases to total assets | 31.2800% | 4,361 |
| Net loans and leases to deposits | 34.7869% | 4,371 |
| Net loans and leases to core deposits | 36.6186% | 4,365 |
| Total domestic deposits to total assets | 89.9300% | 1,390 |
| Equity capital to assets | 9.5365% | 1,979 |
| Core capital (leverage) ratio | 13.6048% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2141% | 232 |
| Memoranda: | ||
| Average total assets | $509,990,600 | 1,699 |
| Average earning assets | $480,782,000 | 1,674 |
| Average equity | $55,194,400 | 1,498 |
| Average total loans | $152,792,800 | 2,610 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8476% | 4,131 |
| Cost of funding earning assets | 0.1253% | 4,076 |
| Net interest margin | 2.7223% | 3,882 |
| Noninterest income to average assets | 0.7900% | 1,046 |
| Noninterest expense to average assets | 1.8275% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5284% | 786 |
| Return on assets (ROA) | 1.5151% | 797 |
| Pretax return on assets | 1.5151% | 1,376 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 7.5949% | 2,153 |
| Net charge-offs to loans | 0.0169% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 307.4211% | 464 |
| Efficiency ratio | 54.4561% | 3,781 |
| Assets per employee ($millions) | 7.6757% | 1,503 |
| Cash dividends to net income (ytd only)* | 44.1278% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 805 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3020% | 1,741 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 31.6900% | 4,386 |
| Net loans and leases to deposits | 34.8358% | 4,397 |
| Net loans and leases to core deposits | 36.6315% | 4,381 |
| Total domestic deposits to total assets | 90.9800% | 1,250 |
| Equity capital to assets | 8.7861% | 2,355 |
| Core capital (leverage) ratio | 13.2325% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0118% | 271 |
| Memoranda: | ||
| Average total assets | $509,535,500 | 1,705 |
| Average earning assets | $479,919,750 | 1,686 |
| Average equity | $56,790,750 | 1,481 |
| Average total loans | $150,239,500 | 2,640 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7161% | 4,119 |
| Cost of funding earning assets | 0.1311% | 3,828 |
| Net interest margin | 2.5850% | 3,937 |
| Noninterest income to average assets | 0.7855% | 1,086 |
| Noninterest expense to average assets | 1.7931% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4174% | 868 |
| Return on assets (ROA) | 1.3958% | 893 |
| Pretax return on assets | 1.3958% | 1,451 |
| Return on Equity (ROE) | 11.7042% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.1034% | 2,301 |
| Net charge-offs to loans | 0.0178% | 1,381 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 278.3077% | 426 |
| Efficiency ratio | 55.8511% | 3,790 |
| Assets per employee ($millions) | 7.6750% | 1,497 |
| Cash dividends to net income (ytd only)* | 47.8529% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8746% | 703 |
| Loan loss allowance to noncurrent loans | 14,330.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 1,799 |
| Noncurrent loans to loans | 0.0131% | 3,877 |
| Net loans and leases to total assets | 29.1747% | 4,487 |
| Net loans and leases to deposits | 32.3260% | 4,491 |
| Net loans and leases to core deposits | 33.9955% | 4,478 |
| Total domestic deposits to total assets | 90.2516% | 1,609 |
| Equity capital to assets | 9.5645% | 1,967 |
| Core capital (leverage) ratio | 13.1262% | 787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8389% | 225 |
| Memoranda: | ||
| Average total assets | $510,516,333 | 1,709 |
| Average earning assets | $478,926,000 | 1,700 |
| Average equity | $60,884,333 | 1,424 |
| Average total loans | $145,846,333 | 2,689 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6578% | 4,014 |
| Cost of funding earning assets | 0.1307% | 3,764 |
| Net interest margin | 2.5271% | 3,839 |
| Noninterest income to average assets | 0.9554% | 746 |
| Noninterest expense to average assets | 1.8102% | 3,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5169% | 605 |
| Return on assets (ROA) | 1.4988% | 630 |
| Pretax return on assets | 1.4988% | 1,018 |
| Return on Equity (ROE) | 11.4243% | 1,485 |
| Retained earnings to average equity (ytd only) | 11.4243% | 703 |
| Net charge-offs to loans | 0.0112% | 1,352 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 482.2500% | 216 |
| Efficiency ratio | 54.4079% | 4,028 |
| Assets per employee ($millions) | 7.3534% | 1,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 601 |
| Loan loss allowance to noncurrent loans | 5,424.5283% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 1,889 |
| Noncurrent loans to loans | 0.0372% | 3,715 |
| Net loans and leases to total assets | 27.1501% | 4,530 |
| Net loans and leases to deposits | 30.9270% | 4,524 |
| Net loans and leases to core deposits | 32.4873% | 4,518 |
| Total domestic deposits to total assets | 87.7878% | 2,628 |
| Equity capital to assets | 11.6714% | 1,068 |
| Core capital (leverage) ratio | 13.5152% | 670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.6730% | 180 |
| Memoranda: | ||
| Average total assets | $508,661,500 | 1,715 |
| Average earning assets | $477,390,500 | 1,708 |
| Average equity | $66,735,000 | 1,375 |
| Average total loans | $142,324,500 | 2,726 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0366% | 3,805 |
| Cost of funding earning assets | 0.1832% | 3,622 |
| Net interest margin | 2.8534% | 3,552 |
| Noninterest income to average assets | 0.5604% | 2,318 |
| Noninterest expense to average assets | 1.8336% | 4,080 |
| Loan and lease loss provision to assets | 0.0051% | 2,977 |
| Net operating income to assets | 1.4202% | 1,216 |
| Return on assets (ROA) | 1.4689% | 1,144 |
| Pretax return on assets | 1.4689% | 1,821 |
| Return on Equity (ROE) | 9.7573% | 2,615 |
| Retained earnings to average equity (ytd only) | 6.8880% | 1,967 |
| Net charge-offs to loans | -0.1882% | 4,697 |
| Credit loss provision to net charge-offs | -8.5034% | 3,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2633% | 3,673 |
| Assets per employee ($millions) | 7.2838% | 1,743 |
| Cash dividends to net income (ytd only)* | 29.4069% | 2,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0272% | 580 |
| Loan loss allowance to noncurrent loans | 4,233.8235% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.4272% | 1,535 |
| Noncurrent loans to loans | 0.0479% | 3,741 |
| Net loans and leases to total assets | 27.6855% | 4,576 |
| Net loans and leases to deposits | 32.6289% | 4,565 |
| Net loans and leases to core deposits | 34.4909% | 4,544 |
| Total domestic deposits to total assets | 84.8495% | 3,317 |
| Equity capital to assets | 14.6031% | 555 |
| Core capital (leverage) ratio | 13.7058% | 665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1053% | 215 |
| Memoranda: | ||
| Average total assets | $488,931,200 | 1,722 |
| Average earning assets | $462,389,400 | 1,709 |
| Average equity | $73,606,800 | 1,293 |
| Average total loans | $156,204,400 | 2,578 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1575% | 3,685 |
| Cost of funding earning assets | 0.1937% | 3,680 |
| Net interest margin | 2.9637% | 3,410 |
| Noninterest income to average assets | 0.5652% | 2,353 |
| Noninterest expense to average assets | 1.8001% | 4,170 |
| Loan and lease loss provision to assets | 0.0068% | 2,844 |
| Net operating income to assets | 1.5606% | 1,123 |
| Return on assets (ROA) | 1.5615% | 1,169 |
| Pretax return on assets | 1.5615% | 1,818 |
| Return on Equity (ROE) | 10.2920% | 2,629 |
| Retained earnings to average equity (ytd only) | 7.4249% | 2,264 |
| Net charge-offs to loans | -0.1310% | 4,699 |
| Credit loss provision to net charge-offs | -15.9236% | 3,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4535% | 3,876 |
| Assets per employee ($millions) | 7.2961% | 1,681 |
| Cash dividends to net income (ytd only)* | 27.8579% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9424% | 709 |
| Loan loss allowance to noncurrent loans | 4,032.3529% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 1,734 |
| Noncurrent loans to loans | 0.0482% | 3,871 |
| Net loans and leases to total assets | 27.9001% | 4,653 |
| Net loans and leases to deposits | 33.1036% | 4,647 |
| Net loans and leases to core deposits | 35.0764% | 4,629 |
| Total domestic deposits to total assets | 84.2813% | 3,376 |
| Equity capital to assets | 15.1120% | 524 |
| Core capital (leverage) ratio | 13.7817% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1860% | 249 |
| Memoranda: | ||
| Average total assets | $485,517,750 | 1,751 |
| Average earning assets | $459,092,250 | 1,733 |
| Average equity | $73,660,250 | 1,312 |
| Average total loans | $159,750,000 | 2,582 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 3,262 |
| Cost of funding earning assets | 0.1969% | 3,784 |
| Net interest margin | 3.1739% | 2,839 |
| Noninterest income to average assets | 0.5079% | 2,593 |
| Noninterest expense to average assets | 1.8192% | 4,142 |
| Loan and lease loss provision to assets | 0.0104% | 2,727 |
| Net operating income to assets | 1.6951% | 880 |
| Return on assets (ROA) | 1.6963% | 925 |
| Pretax return on assets | 1.6963% | 1,484 |
| Return on Equity (ROE) | 11.1661% | 2,370 |
| Retained earnings to average equity (ytd only) | 8.2872% | 1,983 |
| Net charge-offs to loans | -0.0783% | 4,543 |
| Credit loss provision to net charge-offs | -38.4615% | 2,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6129% | 4,084 |
| Assets per employee ($millions) | 7.1249% | 1,706 |
| Cash dividends to net income (ytd only)* | 25.7828% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6669% | 1,132 |
| Loan loss allowance to noncurrent loans | 3,897.0588% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 1,855 |
| Noncurrent loans to loans | 0.0428% | 3,974 |
| Net loans and leases to total assets | 32.2664% | 4,581 |
| Net loans and leases to deposits | 38.3224% | 4,571 |
| Net loans and leases to core deposits | 40.9012% | 4,557 |
| Total domestic deposits to total assets | 84.1974% | 3,365 |
| Equity capital to assets | 15.1852% | 500 |
| Core capital (leverage) ratio | 13.7624% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2460% | 270 |
| Memoranda: | ||
| Average total assets | $481,979,000 | 1,755 |
| Average earning assets | $458,112,333 | 1,729 |
| Average equity | $73,221,667 | 1,313 |
| Average total loans | $165,945,333 | 2,543 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 2,464 |
| Cost of funding earning assets | 0.2022% | 3,891 |
| Net interest margin | 3.4614% | 1,930 |
| Noninterest income to average assets | 0.4934% | 2,640 |
| Noninterest expense to average assets | 1.7640% | 4,268 |
| Loan and lease loss provision to assets | 0.0208% | 2,508 |
| Net operating income to assets | 1.9995% | 569 |
| Return on assets (ROA) | 2.0020% | 614 |
| Pretax return on assets | 2.0020% | 946 |
| Return on Equity (ROE) | 13.1751% | 1,621 |
| Retained earnings to average equity (ytd only) | 13.1751% | 881 |
| Net charge-offs to loans | -0.1015% | 4,645 |
| Credit loss provision to net charge-offs | -58.1395% | 2,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6139% | 4,431 |
| Assets per employee ($millions) | 7.2580% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 1,528 |
| Loan loss allowance to noncurrent loans | 3,864.7059% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.4415% | 2,067 |
| Noncurrent loans to loans | 0.0394% | 4,084 |
| Net loans and leases to total assets | 34.9543% | 4,549 |
| Net loans and leases to deposits | 41.3823% | 4,520 |
| Net loans and leases to core deposits | 44.1889% | 4,489 |
| Total domestic deposits to total assets | 84.4668% | 3,293 |
| Equity capital to assets | 14.9412% | 501 |
| Core capital (leverage) ratio | 13.8706% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7625% | 328 |
| Memoranda: | ||
| Average total assets | $480,723,000 | 1,745 |
| Average earning assets | $457,035,500 | 1,721 |
| Average equity | $73,047,000 | 1,308 |
| Average total loans | $169,429,000 | 2,517 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3587% | 4,253 |
| Cost of funding earning assets | 0.2512% | 4,367 |
| Net interest margin | 3.1075% | 3,612 |
| Noninterest income to average assets | 0.5959% | 2,228 |
| Noninterest expense to average assets | 1.8620% | 4,376 |
| Loan and lease loss provision to assets | 0.5780% | 363 |
| Net operating income to assets | 1.1171% | 1,853 |
| Return on assets (ROA) | 1.1697% | 1,769 |
| Pretax return on assets | 1.1697% | 2,444 |
| Return on Equity (ROE) | 7.8948% | 2,862 |
| Retained earnings to average equity (ytd only) | 3.2459% | 3,207 |
| Net charge-offs to loans | 2.5449% | 36 |
| Credit loss provision to net charge-offs | 63.6280% | 3,073 |
| Earnings coverage of net charge-offs (x) | 1.8660% | 3,229 |
| Efficiency ratio | 52.3458% | 4,364 |
| Assets per employee ($millions) | 7.5422% | 1,253 |
| Cash dividends to net income (ytd only)* | 58.8859% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5398% | 1,459 |
| Loan loss allowance to noncurrent loans | 3,764.7059% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.4518% | 2,228 |
| Noncurrent loans to loans | 0.0409% | 4,133 |
| Net loans and leases to total assets | 34.4499% | 4,633 |
| Net loans and leases to deposits | 41.0362% | 4,631 |
| Net loans and leases to core deposits | 43.8994% | 4,605 |
| Total domestic deposits to total assets | 83.9500% | 3,130 |
| Equity capital to assets | 15.4552% | 493 |
| Core capital (leverage) ratio | 13.5362% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6696% | 298 |
| Memoranda: | ||
| Average total assets | $475,782,400 | 1,624 |
| Average earning assets | $453,390,000 | 1,588 |
| Average equity | $70,489,400 | 1,289 |
| Average total loans | $169,830,800 | 2,487 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4501% | 4,287 |
| Cost of funding earning assets | 0.2596% | 4,476 |
| Net interest margin | 3.1906% | 3,510 |
| Noninterest income to average assets | 0.6001% | 2,178 |
| Noninterest expense to average assets | 1.8181% | 4,461 |
| Loan and lease loss provision to assets | 0.7705% | 252 |
| Net operating income to assets | 1.0519% | 2,135 |
| Return on assets (ROA) | 1.0519% | 2,271 |
| Pretax return on assets | 1.0519% | 2,902 |
| Return on Equity (ROE) | 7.1776% | 3,132 |
| Retained earnings to average equity (ytd only) | 2.5079% | 3,738 |
| Net charge-offs to loans | 3.3316% | 26 |
| Credit loss provision to net charge-offs | 64.4632% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.5248% | 3,067 |
| Efficiency ratio | 49.9423% | 4,496 |
| Assets per employee ($millions) | 7.3506% | 1,299 |
| Cash dividends to net income (ytd only)* | 65.0599% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 1,393 |
| Loan loss allowance to noncurrent loans | 41.5238% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.7954% | 422 |
| Noncurrent loans to loans | 3.6011% | 212 |
| Net loans and leases to total assets | 36.6323% | 4,657 |
| Net loans and leases to deposits | 43.9408% | 4,661 |
| Net loans and leases to core deposits | 47.0868% | 4,643 |
| Total domestic deposits to total assets | 83.3674% | 3,037 |
| Equity capital to assets | 15.5332% | 536 |
| Core capital (leverage) ratio | 13.0731% | 930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8678% | 416 |
| Memoranda: | ||
| Average total assets | $475,938,000 | 1,600 |
| Average earning assets | $453,534,750 | 1,562 |
| Average equity | $69,752,500 | 1,290 |
| Average total loans | $170,725,500 | 2,478 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 4,251 |
| Cost of funding earning assets | 0.2672% | 4,572 |
| Net interest margin | 3.3409% | 3,267 |
| Noninterest income to average assets | 0.6246% | 2,036 |
| Noninterest expense to average assets | 1.8235% | 4,530 |
| Loan and lease loss provision to assets | 1.1093% | 171 |
| Net operating income to assets | 0.8741% | 2,794 |
| Return on assets (ROA) | 0.8741% | 2,910 |
| Pretax return on assets | 0.8741% | 3,389 |
| Return on Equity (ROE) | 6.0834% | 3,476 |
| Retained earnings to average equity (ytd only) | 1.3956% | 3,974 |
| Net charge-offs to loans | 5.0308% | 17 |
| Credit loss provision to net charge-offs | 62.2212% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.1125% | 2,880 |
| Efficiency ratio | 47.8997% | 4,640 |
| Assets per employee ($millions) | 7.6395% | 1,109 |
| Cash dividends to net income (ytd only)* | 77.0594% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 1,581 |
| Loan loss allowance to noncurrent loans | 1,501.7857% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.4660% | 2,456 |
| Noncurrent loans to loans | 0.0933% | 4,091 |
| Net loans and leases to total assets | 35.7662% | 4,732 |
| Net loans and leases to deposits | 42.1006% | 4,742 |
| Net loans and leases to core deposits | 44.8772% | 4,739 |
| Total domestic deposits to total assets | 84.9541% | 2,417 |
| Equity capital to assets | 14.4442% | 748 |
| Core capital (leverage) ratio | 12.5020% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $477,771,667 | 1,562 |
| Average earning assets | $455,085,000 | 1,524 |
| Average equity | $68,645,333 | 1,292 |
| Average total loans | $169,318,000 | 2,473 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3546% | 4,770 |
| Cost of funding earning assets | 0.2808% | 4,708 |
| Net interest margin | 3.0739% | 4,149 |
| Noninterest income to average assets | 0.7105% | 1,616 |
| Noninterest expense to average assets | 1.8583% | 4,591 |
| Loan and lease loss provision to assets | 0.9394% | 236 |
| Net operating income to assets | 0.8301% | 2,798 |
| Return on assets (ROA) | 0.8301% | 2,881 |
| Pretax return on assets | 0.8301% | 3,330 |
| Return on Equity (ROE) | 5.7939% | 3,392 |
| Retained earnings to average equity (ytd only) | 5.7939% | 1,957 |
| Net charge-offs to loans | 0.0049% | 2,404 |
| Credit loss provision to net charge-offs | 55,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,036.0000% | 49 |
| Efficiency ratio | 51.2241% | 4,597 |
| Assets per employee ($millions) | 7.7270% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2358% | 115 |
| Loan loss allowance to noncurrent loans | 108.7092% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 1.4766% | 734 |
| Noncurrent loans to loans | 2.9766% | 365 |
| Net loans and leases to total assets | 33.1813% | 4,848 |
| Net loans and leases to deposits | 39.0552% | 4,851 |
| Net loans and leases to core deposits | 41.7620% | 4,847 |
| Total domestic deposits to total assets | 84.9600% | 2,428 |
| Equity capital to assets | 14.4597% | 908 |
| Core capital (leverage) ratio | 13.4076% | 1,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $468,374,000 | 1,541 |
| Average earning assets | $444,519,500 | 1,506 |
| Average equity | $67,105,500 | 1,312 |
| Average total loans | $163,914,000 | 2,498 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6105% | 4,769 |
| Cost of funding earning assets | 0.2734% | 4,792 |
| Net interest margin | 3.3371% | 3,900 |
| Noninterest income to average assets | 0.7233% | 1,733 |
| Noninterest expense to average assets | 1.8675% | 4,695 |
| Loan and lease loss provision to assets | 0.3283% | 483 |
| Net operating income to assets | 1.7248% | 625 |
| Return on assets (ROA) | 1.7248% | 667 |
| Pretax return on assets | 1.7248% | 1,126 |
| Return on Equity (ROE) | 12.6762% | 1,280 |
| Retained earnings to average equity (ytd only) | 7.3796% | 1,216 |
| Net charge-offs to loans | 0.3723% | 538 |
| Credit loss provision to net charge-offs | 234.0094% | 1,149 |
| Earnings coverage of net charge-offs (x) | 14.6349% | 2,276 |
| Efficiency ratio | 47.6331% | 4,848 |
| Assets per employee ($millions) | 7.7566% | 776 |
| Cash dividends to net income (ytd only)* | 41.7840% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4856% | 221 |
| Loan loss allowance to noncurrent loans | 90.0000% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.4480% | 711 |
| Noncurrent loans to loans | 2.7618% | 371 |
| Net loans and leases to total assets | 34.8233% | 4,881 |
| Net loans and leases to deposits | 41.4989% | 4,878 |
| Net loans and leases to core deposits | 44.3794% | 4,865 |
| Total domestic deposits to total assets | 83.9138% | 2,869 |
| Equity capital to assets | 14.1932% | 1,034 |
| Core capital (leverage) ratio | 13.1085% | 1,195 |
| Tier 1 risk-based capital ratio | 25.9747% | 683 |
| Total risk-based capital ratio | 27.2317% | 661 |
| Memoranda: | ||
| Average total assets | $456,932,800 | 1,529 |
| Average earning assets | $437,773,400 | 1,485 |
| Average equity | $62,171,400 | 1,349 |
| Average total loans | $172,188,800 | 2,395 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6238% | 4,864 |
| Cost of funding earning assets | 0.2713% | 4,869 |
| Net interest margin | 3.3526% | 3,980 |
| Noninterest income to average assets | 0.7578% | 1,567 |
| Noninterest expense to average assets | 1.8181% | 4,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.1570% | 293 |
| Return on assets (ROA) | 2.1570% | 306 |
| Pretax return on assets | 2.1570% | 494 |
| Return on Equity (ROE) | 16.0300% | 599 |
| Retained earnings to average equity (ytd only) | 10.5944% | 605 |
| Net charge-offs to loans | 0.4921% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 11.4789% | 2,438 |
| Efficiency ratio | 45.7375% | 4,945 |
| Assets per employee ($millions) | 7.4974% | 840 |
| Cash dividends to net income (ytd only)* | 33.9086% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 1,155 |
| Loan loss allowance to noncurrent loans | 57.4171% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 1.4722% | 769 |
| Noncurrent loans to loans | 2.6723% | 408 |
| Net loans and leases to total assets | 36.9322% | 4,904 |
| Net loans and leases to deposits | 43.4585% | 4,922 |
| Net loans and leases to core deposits | 46.3390% | 4,911 |
| Total domestic deposits to total assets | 84.9826% | 2,433 |
| Equity capital to assets | 14.3273% | 1,033 |
| Core capital (leverage) ratio | 13.2168% | 1,250 |
| Tier 1 risk-based capital ratio | 24.6075% | 797 |
| Total risk-based capital ratio | 25.7181% | 791 |
| Memoranda: | ||
| Average total assets | $454,816,500 | 1,549 |
| Average earning assets | $436,468,750 | 1,499 |
| Average equity | $61,200,500 | 1,366 |
| Average total loans | $173,686,500 | 2,412 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6259% | 4,915 |
| Cost of funding earning assets | 0.2587% | 4,929 |
| Net interest margin | 3.3672% | 3,996 |
| Noninterest income to average assets | 0.7939% | 1,370 |
| Noninterest expense to average assets | 1.8072% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2155% | 257 |
| Return on assets (ROA) | 2.2155% | 267 |
| Pretax return on assets | 2.2155% | 428 |
| Return on Equity (ROE) | 16.8309% | 490 |
| Retained earnings to average equity (ytd only) | 11.1515% | 527 |
| Net charge-offs to loans | 0.8314% | 169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 6.9366% | 2,537 |
| Efficiency ratio | 44.9239% | 5,029 |
| Assets per employee ($millions) | 7.2400% | 908 |
| Cash dividends to net income (ytd only)* | 33.7443% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,286 |
| Loan loss allowance to noncurrent loans | 2,359.2593% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 2,534 |
| Noncurrent loans to loans | 0.0635% | 4,400 |
| Net loans and leases to total assets | 37.3205% | 4,934 |
| Net loans and leases to deposits | 43.7985% | 4,954 |
| Net loans and leases to core deposits | 46.4906% | 4,942 |
| Total domestic deposits to total assets | 85.2095% | 2,384 |
| Equity capital to assets | 14.1758% | 1,060 |
| Core capital (leverage) ratio | 13.0520% | 1,275 |
| Tier 1 risk-based capital ratio | 25.2695% | 734 |
| Total risk-based capital ratio | 26.4036% | 727 |
| Memoranda: | ||
| Average total assets | $453,974,000 | 1,555 |
| Average earning assets | $435,312,330 | 1,509 |
| Average equity | $59,759,000 | 1,380 |
| Average total loans | $174,402,330 | 2,413 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 4,954 |
| Cost of funding earning assets | 0.2440% | 4,996 |
| Net interest margin | 3.3703% | 3,974 |
| Noninterest income to average assets | 0.7667% | 1,374 |
| Noninterest expense to average assets | 1.7462% | 4,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2518% | 247 |
| Return on assets (ROA) | 2.2518% | 256 |
| Pretax return on assets | 2.2518% | 396 |
| Return on Equity (ROE) | 17.7785% | 420 |
| Retained earnings to average equity (ytd only) | 17.7785% | 151 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6774% | 5,110 |
| Assets per employee ($millions) | 7.8071% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8603% | 629 |
| Loan loss allowance to noncurrent loans | 108.6653% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6691% | 2,093 |
| Noncurrent loans to loans | 1.7120% | 897 |
| Net loans and leases to total assets | 37.4847% | 4,970 |
| Net loans and leases to deposits | 43.3981% | 5,001 |
| Net loans and leases to core deposits | 45.6350% | 5,000 |
| Total domestic deposits to total assets | 86.3740% | 2,119 |
| Equity capital to assets | 13.0574% | 1,419 |
| Core capital (leverage) ratio | 12.7043% | 1,399 |
| Tier 1 risk-based capital ratio | 24.2186% | 824 |
| Total risk-based capital ratio | 25.4703% | 805 |
| Memoranda: | ||
| Average total assets | $456,522,500 | 1,554 |
| Average earning assets | $437,710,000 | 1,513 |
| Average equity | $57,822,500 | 1,405 |
| Average total loans | $176,568,000 | 2,404 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 5,012 |
| Cost of funding earning assets | 0.1791% | 5,079 |
| Net interest margin | 3.2145% | 4,459 |
| Noninterest income to average assets | 0.7386% | 1,695 |
| Noninterest expense to average assets | 1.7717% | 5,029 |
| Loan and lease loss provision to assets | 0.0230% | 3,711 |
| Net operating income to assets | 2.0084% | 356 |
| Return on assets (ROA) | 2.0084% | 353 |
| Pretax return on assets | 2.0084% | 558 |
| Return on Equity (ROE) | 16.8896% | 504 |
| Retained earnings to average equity (ytd only) | 12.0411% | 319 |
| Net charge-offs to loans | 0.5452% | 322 |
| Credit loss provision to net charge-offs | 10.6610% | 3,428 |
| Earnings coverage of net charge-offs (x) | 9.4243% | 2,811 |
| Efficiency ratio | 46.5861% | 5,101 |
| Assets per employee ($millions) | 7.1813% | 911 |
| Cash dividends to net income (ytd only)* | 28.7071% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8471% | 627 |
| Loan loss allowance to noncurrent loans | 99.5438% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0092% | 1,358 |
| Noncurrent loans to loans | 1.8555% | 752 |
| Net loans and leases to total assets | 38.4435% | 4,997 |
| Net loans and leases to deposits | 44.1497% | 5,024 |
| Net loans and leases to core deposits | 46.4550% | 5,022 |
| Total domestic deposits to total assets | 87.0754% | 1,753 |
| Equity capital to assets | 12.2672% | 1,717 |
| Core capital (leverage) ratio | 12.8187% | 1,316 |
| Tier 1 risk-based capital ratio | 23.3837% | 870 |
| Total risk-based capital ratio | 24.6358% | 848 |
| Memoranda: | ||
| Average total assets | $435,170,200 | 1,575 |
| Average earning assets | $414,873,400 | 1,540 |
| Average equity | $51,747,800 | 1,468 |
| Average total loans | $172,049,000 | 2,422 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3272% | 5,104 |
| Cost of funding earning assets | 0.1690% | 5,144 |
| Net interest margin | 3.1582% | 4,600 |
| Noninterest income to average assets | 0.6096% | 2,260 |
| Noninterest expense to average assets | 1.7654% | 5,072 |
| Loan and lease loss provision to assets | 0.0309% | 3,400 |
| Net operating income to assets | 1.8202% | 582 |
| Return on assets (ROA) | 1.8202% | 584 |
| Pretax return on assets | 1.8202% | 964 |
| Return on Equity (ROE) | 15.4350% | 795 |
| Retained earnings to average equity (ytd only) | 10.4964% | 764 |
| Net charge-offs to loans | -0.0219% | 4,656 |
| Credit loss provision to net charge-offs | -357.1429% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8149% | 5,013 |
| Assets per employee ($millions) | 6.8958% | 979 |
| Cash dividends to net income (ytd only)* | 31.9959% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 229 |
| Loan loss allowance to noncurrent loans | 93.6382% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.9214% | 571 |
| Noncurrent loans to loans | 2.7124% | 449 |
| Net loans and leases to total assets | 38.0454% | 5,081 |
| Net loans and leases to deposits | 43.6278% | 5,120 |
| Net loans and leases to core deposits | 45.1169% | 5,133 |
| Total domestic deposits to total assets | 87.2045% | 1,637 |
| Equity capital to assets | 12.0599% | 1,872 |
| Core capital (leverage) ratio | 12.3215% | 1,595 |
| Tier 1 risk-based capital ratio | 23.4940% | 893 |
| Total risk-based capital ratio | 24.7523% | 870 |
| Memoranda: | ||
| Average total assets | $430,856,500 | 1,604 |
| Average earning assets | $410,226,000 | 1,566 |
| Average equity | $50,809,750 | 1,490 |
| Average total loans | $170,761,000 | 2,449 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2963% | 5,144 |
| Cost of funding earning assets | 0.1640% | 5,186 |
| Net interest margin | 3.1323% | 4,656 |
| Noninterest income to average assets | 0.6135% | 2,252 |
| Noninterest expense to average assets | 1.7215% | 5,173 |
| Loan and lease loss provision to assets | 0.0463% | 2,976 |
| Net operating income to assets | 1.8256% | 552 |
| Return on assets (ROA) | 1.8256% | 553 |
| Pretax return on assets | 1.8256% | 906 |
| Return on Equity (ROE) | 15.5975% | 740 |
| Retained earnings to average equity (ytd only) | 10.6370% | 754 |
| Net charge-offs to loans | 0.0035% | 3,053 |
| Credit loss provision to net charge-offs | 3,333.3333% | 123 |
| Earnings coverage of net charge-offs (x) | 1,347.6667% | 55 |
| Efficiency ratio | 47.9062% | 5,124 |
| Assets per employee ($millions) | 7.3283% | 820 |
| Cash dividends to net income (ytd only)* | 31.8032% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3699% | 286 |
| Loan loss allowance to noncurrent loans | 99.1517% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8345% | 627 |
| Noncurrent loans to loans | 2.3901% | 557 |
| Net loans and leases to total assets | 40.0942% | 5,050 |
| Net loans and leases to deposits | 46.4525% | 5,085 |
| Net loans and leases to core deposits | 48.0668% | 5,092 |
| Total domestic deposits to total assets | 86.3124% | 2,131 |
| Equity capital to assets | 11.8355% | 1,968 |
| Core capital (leverage) ratio | 11.9447% | 1,753 |
| Tier 1 risk-based capital ratio | 21.8637% | 1,050 |
| Total risk-based capital ratio | 23.1207% | 1,035 |
| Memoranda: | ||
| Average total assets | $431,961,330 | 1,604 |
| Average earning assets | $410,945,330 | 1,569 |
| Average equity | $50,559,330 | 1,503 |
| Average total loans | $172,048,330 | 2,431 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1920% | 5,240 |
| Cost of funding earning assets | 0.1581% | 5,230 |
| Net interest margin | 3.0339% | 4,825 |
| Noninterest income to average assets | 0.5346% | 2,613 |
| Noninterest expense to average assets | 1.7278% | 5,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6861% | 700 |
| Return on assets (ROA) | 1.6861% | 709 |
| Pretax return on assets | 1.6861% | 1,150 |
| Return on Equity (ROE) | 14.4868% | 905 |
| Retained earnings to average equity (ytd only) | 14.4868% | 365 |
| Net charge-offs to loans | 0.0118% | 2,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 188 |
| Efficiency ratio | 50.6106% | 5,053 |
| Assets per employee ($millions) | 7.2699% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3998% | 284 |
| Loan loss allowance to noncurrent loans | 97.2071% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 645 |
| Noncurrent loans to loans | 2.4687% | 559 |
| Net loans and leases to total assets | 38.2933% | 5,127 |
| Net loans and leases to deposits | 43.5908% | 5,168 |
| Net loans and leases to core deposits | 45.0608% | 5,186 |
| Total domestic deposits to total assets | 87.8472% | 1,704 |
| Equity capital to assets | 11.5329% | 2,105 |
| Core capital (leverage) ratio | 11.8899% | 1,722 |
| Tier 1 risk-based capital ratio | 21.9500% | 1,057 |
| Total risk-based capital ratio | 23.2068% | 1,033 |
| Memoranda: | ||
| Average total assets | $431,757,500 | 1,617 |
| Average earning assets | $409,776,000 | 1,585 |
| Average equity | $50,252,500 | 1,522 |
| Average total loans | $169,291,000 | 2,483 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1179% | 5,270 |
| Cost of funding earning assets | 0.1347% | 5,347 |
| Net interest margin | 2.9832% | 4,922 |
| Noninterest income to average assets | 0.5556% | 2,680 |
| Noninterest expense to average assets | 1.6325% | 5,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.7780% | 450 |
| Return on assets (ROA) | 1.7838% | 445 |
| Pretax return on assets | 1.7838% | 822 |
| Return on Equity (ROE) | 15.7571% | 511 |
| Retained earnings to average equity (ytd only) | 8.8694% | 531 |
| Net charge-offs to loans | -0.1141% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8661% | 5,323 |
| Assets per employee ($millions) | 7.3676% | 823 |
| Cash dividends to net income (ytd only)* | 43.7120% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4552% | 260 |
| Loan loss allowance to noncurrent loans | 93.5594% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.9381% | 599 |
| Noncurrent loans to loans | 2.6242% | 493 |
| Net loans and leases to total assets | 38.2220% | 5,210 |
| Net loans and leases to deposits | 43.7588% | 5,254 |
| Net loans and leases to core deposits | 44.7856% | 5,272 |
| Total domestic deposits to total assets | 87.3472% | 1,839 |
| Equity capital to assets | 11.7474% | 2,003 |
| Core capital (leverage) ratio | 11.4635% | 1,963 |
| Tier 1 risk-based capital ratio | 21.6129% | 1,060 |
| Total risk-based capital ratio | 22.8701% | 1,039 |
| Memoranda: | ||
| Average total assets | $432,834,000 | 1,598 |
| Average earning assets | $414,215,000 | 1,552 |
| Average equity | $49,000,200 | 1,546 |
| Average total loans | $174,450,600 | 2,389 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1113% | 5,325 |
| Cost of funding earning assets | 0.1320% | 5,416 |
| Net interest margin | 2.9793% | 4,963 |
| Noninterest income to average assets | 0.5407% | 2,774 |
| Noninterest expense to average assets | 1.6201% | 5,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.7767% | 485 |
| Return on assets (ROA) | 1.7822% | 496 |
| Pretax return on assets | 1.7822% | 924 |
| Return on Equity (ROE) | 15.8899% | 539 |
| Retained earnings to average equity (ytd only) | 8.9607% | 852 |
| Net charge-offs to loans | -0.0431% | 5,118 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6948% | 5,359 |
| Assets per employee ($millions) | 7.5884% | 733 |
| Cash dividends to net income (ytd only)* | 43.6078% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2433% | 380 |
| Loan loss allowance to noncurrent loans | 48.0625% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.9092% | 702 |
| Noncurrent loans to loans | 4.6674% | 187 |
| Net loans and leases to total assets | 39.9870% | 5,201 |
| Net loans and leases to deposits | 46.2644% | 5,250 |
| Net loans and leases to core deposits | 47.3452% | 5,275 |
| Total domestic deposits to total assets | 86.4313% | 2,122 |
| Equity capital to assets | 11.8516% | 2,074 |
| Core capital (leverage) ratio | 11.3317% | 2,158 |
| Tier 1 risk-based capital ratio | 20.5720% | 1,268 |
| Total risk-based capital ratio | 21.8280% | 1,237 |
| Memoranda: | ||
| Average total assets | $434,212,750 | 1,602 |
| Average earning assets | $416,234,000 | 1,557 |
| Average equity | $48,700,500 | 1,567 |
| Average total loans | $176,203,000 | 2,381 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0656% | 5,379 |
| Cost of funding earning assets | 0.1309% | 5,440 |
| Net interest margin | 2.9347% | 5,033 |
| Noninterest income to average assets | 0.5341% | 2,802 |
| Noninterest expense to average assets | 1.5962% | 5,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7527% | 501 |
| Return on assets (ROA) | 1.7563% | 504 |
| Pretax return on assets | 1.7563% | 930 |
| Return on Equity (ROE) | 15.9594% | 536 |
| Retained earnings to average equity (ytd only) | 8.9035% | 870 |
| Net charge-offs to loans | 0.4058% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 10.6723% | 2,330 |
| Efficiency ratio | 47.6648% | 5,408 |
| Assets per employee ($millions) | 7.6229% | 702 |
| Cash dividends to net income (ytd only)* | 44.2116% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0511% | 550 |
| Loan loss allowance to noncurrent loans | 40.5452% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.0540% | 605 |
| Noncurrent loans to loans | 5.0588% | 150 |
| Net loans and leases to total assets | 39.7692% | 5,232 |
| Net loans and leases to deposits | 45.3847% | 5,301 |
| Net loans and leases to core deposits | 46.4435% | 5,330 |
| Total domestic deposits to total assets | 87.6268% | 1,647 |
| Equity capital to assets | 11.7426% | 2,121 |
| Core capital (leverage) ratio | 11.0317% | 2,374 |
| Tier 1 risk-based capital ratio | 20.4657% | 1,276 |
| Total risk-based capital ratio | 21.7199% | 1,246 |
| Memoranda: | ||
| Average total assets | $434,770,000 | 1,608 |
| Average earning assets | $417,014,670 | 1,558 |
| Average equity | $47,846,330 | 1,591 |
| Average total loans | $175,961,000 | 2,382 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1038% | 5,362 |
| Cost of funding earning assets | 0.1342% | 5,468 |
| Net interest margin | 2.9696% | 4,962 |
| Noninterest income to average assets | 0.5626% | 2,591 |
| Noninterest expense to average assets | 1.5874% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8208% | 430 |
| Return on assets (ROA) | 1.8281% | 435 |
| Pretax return on assets | 1.8281% | 742 |
| Return on Equity (ROE) | 17.1712% | 399 |
| Retained earnings to average equity (ytd only) | 17.1712% | 162 |
| Net charge-offs to loans | 0.0113% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 399.4000% | 145 |
| Efficiency ratio | 46.5757% | 5,506 |
| Assets per employee ($millions) | 7.8686% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 461 |
| Loan loss allowance to noncurrent loans | 40.0636% | 4,859 |
| Noncurrent assets plus other real estate owned to assets | 2.2534% | 549 |
| Noncurrent loans to loans | 5.5451% | 135 |
| Net loans and leases to total assets | 39.7342% | 5,256 |
| Net loans and leases to deposits | 45.0437% | 5,331 |
| Net loans and leases to core deposits | 46.0765% | 5,364 |
| Total domestic deposits to total assets | 88.2125% | 1,589 |
| Equity capital to assets | 11.1879% | 2,439 |
| Core capital (leverage) ratio | 10.8025% | 2,596 |
| Tier 1 risk-based capital ratio | 20.0552% | 1,378 |
| Total risk-based capital ratio | 21.3109% | 1,346 |
| Memoranda: | ||
| Average total assets | $438,713,500 | 1,610 |
| Average earning assets | $420,388,000 | 1,560 |
| Average equity | $46,706,000 | 1,622 |
| Average total loans | $177,280,000 | 2,386 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8669% | 5,603 |
| Cost of funding earning assets | 0.1235% | 5,594 |
| Net interest margin | 2.7434% | 5,367 |
| Noninterest income to average assets | 0.6064% | 2,625 |
| Noninterest expense to average assets | 1.5686% | 5,677 |
| Loan and lease loss provision to assets | 0.2837% | 696 |
| Net operating income to assets | 1.3809% | 1,049 |
| Return on assets (ROA) | 1.3921% | 1,056 |
| Pretax return on assets | 1.3921% | 1,974 |
| Return on Equity (ROE) | 13.5789% | 850 |
| Retained earnings to average equity (ytd only) | 6.1562% | 1,629 |
| Net charge-offs to loans | -0.0039% | 4,773 |
| Credit loss provision to net charge-offs | -18,571.4286% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5151% | 5,552 |
| Assets per employee ($millions) | 7.8009% | 653 |
| Cash dividends to net income (ytd only)* | 54.6637% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1892% | 475 |
| Loan loss allowance to noncurrent loans | 30.4459% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 2.8897% | 367 |
| Noncurrent loans to loans | 7.1905% | 71 |
| Net loans and leases to total assets | 39.3074% | 5,347 |
| Net loans and leases to deposits | 45.0115% | 5,402 |
| Net loans and leases to core deposits | 46.0247% | 5,430 |
| Total domestic deposits to total assets | 87.3275% | 1,972 |
| Equity capital to assets | 10.1189% | 3,582 |
| Core capital (leverage) ratio | 10.2205% | 3,201 |
| Tier 1 risk-based capital ratio | 18.7368% | 1,672 |
| Total risk-based capital ratio | 19.9920% | 1,638 |
| Memoranda: | ||
| Average total assets | $458,243,200 | 1,489 |
| Average earning assets | $438,769,200 | 1,448 |
| Average equity | $46,977,200 | 1,610 |
| Average total loans | $179,697,200 | 2,316 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8981% | 5,651 |
| Cost of funding earning assets | 0.1235% | 5,659 |
| Net interest margin | 2.7746% | 5,400 |
| Noninterest income to average assets | 0.6510% | 2,417 |
| Noninterest expense to average assets | 1.5345% | 5,734 |
| Loan and lease loss provision to assets | 0.3755% | 406 |
| Net operating income to assets | 1.3956% | 1,078 |
| Return on assets (ROA) | 1.4103% | 1,100 |
| Pretax return on assets | 1.4103% | 2,007 |
| Return on Equity (ROE) | 13.7141% | 874 |
| Retained earnings to average equity (ytd only) | 6.0889% | 2,133 |
| Net charge-offs to loans | -0.0207% | 5,016 |
| Credit loss provision to net charge-offs | -4,642.8571% | 5,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4220% | 5,651 |
| Assets per employee ($millions) | 7.7898% | 641 |
| Cash dividends to net income (ytd only)* | 55.6011% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2329% | 485 |
| Loan loss allowance to noncurrent loans | 29.8211% | 5,174 |
| Noncurrent assets plus other real estate owned to assets | 2.9891% | 386 |
| Noncurrent loans to loans | 7.4877% | 72 |
| Net loans and leases to total assets | 38.7934% | 5,439 |
| Net loans and leases to deposits | 44.1318% | 5,512 |
| Net loans and leases to core deposits | 45.0914% | 5,548 |
| Total domestic deposits to total assets | 87.9036% | 1,443 |
| Equity capital to assets | 10.9208% | 3,099 |
| Core capital (leverage) ratio | 10.0178% | 3,550 |
| Tier 1 risk-based capital ratio | 18.7038% | 1,736 |
| Total risk-based capital ratio | 19.9592% | 1,704 |
| Memoranda: | ||
| Average total assets | $461,640,500 | 1,480 |
| Average earning assets | $441,659,750 | 1,445 |
| Average equity | $47,473,000 | 1,598 |
| Average total loans | $179,948,000 | 2,314 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 5,724 |
| Cost of funding earning assets | 0.1176% | 5,769 |
| Net interest margin | 2.7961% | 5,429 |
| Noninterest income to average assets | 0.5578% | 2,862 |
| Noninterest expense to average assets | 1.5221% | 5,822 |
| Loan and lease loss provision to assets | 0.2139% | 990 |
| Net operating income to assets | 1.4879% | 915 |
| Return on assets (ROA) | 1.4904% | 952 |
| Pretax return on assets | 1.4904% | 1,698 |
| Return on Equity (ROE) | 14.7834% | 702 |
| Retained earnings to average equity (ytd only) | 6.9631% | 1,623 |
| Net charge-offs to loans | -0.0475% | 5,343 |
| Credit loss provision to net charge-offs | -1,162.7907% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2134% | 5,701 |
| Assets per employee ($millions) | 8.2756% | 511 |
| Cash dividends to net income (ytd only)* | 52.8990% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7555% | 1,171 |
| Loan loss allowance to noncurrent loans | 59.0508% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 1,796 |
| Noncurrent loans to loans | 2.9728% | 506 |
| Net loans and leases to total assets | 38.7063% | 5,482 |
| Net loans and leases to deposits | 43.9805% | 5,565 |
| Net loans and leases to core deposits | 44.8825% | 5,598 |
| Total domestic deposits to total assets | 88.0077% | 1,432 |
| Equity capital to assets | 10.6607% | 3,455 |
| Core capital (leverage) ratio | 9.6150% | 4,046 |
| Tier 1 risk-based capital ratio | 18.1096% | 1,904 |
| Total risk-based capital ratio | 19.3607% | 1,872 |
| Memoranda: | ||
| Average total assets | $467,515,330 | 1,470 |
| Average earning assets | $445,766,670 | 1,438 |
| Average equity | $47,134,000 | 1,606 |
| Average total loans | $181,203,000 | 2,301 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8840% | 5,803 |
| Cost of funding earning assets | 0.1172% | 5,829 |
| Net interest margin | 2.7667% | 5,523 |
| Noninterest income to average assets | 0.5252% | 2,960 |
| Noninterest expense to average assets | 1.5065% | 5,908 |
| Loan and lease loss provision to assets | 0.1689% | 1,218 |
| Net operating income to assets | 1.4803% | 889 |
| Return on assets (ROA) | 1.4837% | 927 |
| Pretax return on assets | 1.4837% | 1,646 |
| Return on Equity (ROE) | 15.1337% | 650 |
| Retained earnings to average equity (ytd only) | 15.1337% | 239 |
| Net charge-offs to loans | 0.0285% | 2,371 |
| Credit loss provision to net charge-offs | 1,538.4615% | 265 |
| Earnings coverage of net charge-offs (x) | 150.2308% | 398 |
| Efficiency ratio | 47.7388% | 5,736 |
| Assets per employee ($millions) | 7.9199% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,711 |
| Loan loss allowance to noncurrent loans | 135.8151% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 3,827 |
| Noncurrent loans to loans | 1.1569% | 2,091 |
| Net loans and leases to total assets | 37.4160% | 5,581 |
| Net loans and leases to deposits | 41.9527% | 5,652 |
| Net loans and leases to core deposits | 43.0090% | 5,688 |
| Total domestic deposits to total assets | 89.1862% | 1,005 |
| Equity capital to assets | 10.2683% | 3,778 |
| Core capital (leverage) ratio | 9.4249% | 4,320 |
| Tier 1 risk-based capital ratio | 17.5301% | 2,113 |
| Total risk-based capital ratio | 18.6834% | 2,111 |
| Memoranda: | ||
| Average total assets | $473,693,500 | 1,448 |
| Average earning assets | $450,349,500 | 1,424 |
| Average equity | $46,439,500 | 1,621 |
| Average total loans | $182,143,000 | 2,290 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 5,844 |
| Cost of funding earning assets | 0.0861% | 6,013 |
| Net interest margin | 2.7749% | 5,562 |
| Noninterest income to average assets | 0.5406% | 3,070 |
| Noninterest expense to average assets | 1.4682% | 6,000 |
| Loan and lease loss provision to assets | 0.1116% | 2,131 |
| Net operating income to assets | 1.6285% | 663 |
| Return on assets (ROA) | 1.6303% | 677 |
| Pretax return on assets | 1.6303% | 1,167 |
| Return on Equity (ROE) | 18.6760% | 337 |
| Retained earnings to average equity (ytd only) | 9.7192% | 503 |
| Net charge-offs to loans | 0.2853% | 1,063 |
| Credit loss provision to net charge-offs | 104.9618% | 2,393 |
| Earnings coverage of net charge-offs (x) | 16.3645% | 2,136 |
| Efficiency ratio | 45.7622% | 5,934 |
| Assets per employee ($millions) | 7.8707% | 597 |
| Cash dividends to net income (ytd only)* | 47.9587% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 2,442 |
| Loan loss allowance to noncurrent loans | 313.1010% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 4,909 |
| Noncurrent loans to loans | 0.4457% | 3,873 |
| Net loans and leases to total assets | 38.3357% | 5,606 |
| Net loans and leases to deposits | 43.1301% | 5,677 |
| Net loans and leases to core deposits | 44.0783% | 5,711 |
| Total domestic deposits to total assets | 88.8839% | 1,183 |
| Equity capital to assets | 9.3515% | 4,730 |
| Core capital (leverage) ratio | 8.8056% | 5,103 |
| Tier 1 risk-based capital ratio | 16.6807% | 2,399 |
| Total risk-based capital ratio | 17.7499% | 2,440 |
| Memoranda: | ||
| Average total assets | $492,788,000 | 1,368 |
| Average earning assets | $473,749,000 | 1,306 |
| Average equity | $43,017,800 | 1,703 |
| Average total loans | $183,638,600 | 2,203 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8330% | 5,938 |
| Cost of funding earning assets | 0.0873% | 6,099 |
| Net interest margin | 2.7457% | 5,669 |
| Noninterest income to average assets | 0.5506% | 3,052 |
| Noninterest expense to average assets | 1.4090% | 6,096 |
| Loan and lease loss provision to assets | 0.1075% | 2,082 |
| Net operating income to assets | 1.6724% | 662 |
| Return on assets (ROA) | 1.6748% | 681 |
| Pretax return on assets | 1.6748% | 1,174 |
| Return on Equity (ROE) | 19.5227% | 300 |
| Retained earnings to average equity (ytd only) | 10.8581% | 495 |
| Net charge-offs to loans | 0.0977% | 2,175 |
| Credit loss provision to net charge-offs | 298.5075% | 972 |
| Earnings coverage of net charge-offs (x) | 49.4111% | 1,065 |
| Efficiency ratio | 44.1831% | 6,035 |
| Assets per employee ($millions) | 8.3952% | 460 |
| Cash dividends to net income (ytd only)* | 44.3820% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 2,000 |
| Loan loss allowance to noncurrent loans | 2,610.0917% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 5,706 |
| Noncurrent loans to loans | 0.0590% | 5,384 |
| Net loans and leases to total assets | 37.3787% | 5,734 |
| Net loans and leases to deposits | 41.3646% | 5,824 |
| Net loans and leases to core deposits | 42.1076% | 5,850 |
| Total domestic deposits to total assets | 90.3639% | 440 |
| Equity capital to assets | 9.0832% | 5,227 |
| Core capital (leverage) ratio | 8.4408% | 5,595 |
| Tier 1 risk-based capital ratio | 16.4782% | 2,587 |
| Total risk-based capital ratio | 17.6480% | 2,572 |
| Memoranda: | ||
| Average total assets | $495,956,500 | 1,361 |
| Average earning assets | $476,565,250 | 1,303 |
| Average equity | $42,547,750 | 1,733 |
| Average total loans | $182,883,250 | 2,223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8123% | 6,006 |
| Cost of funding earning assets | 0.0898% | 6,163 |
| Net interest margin | 2.7225% | 5,738 |
| Noninterest income to average assets | 0.5888% | 2,805 |
| Noninterest expense to average assets | 1.3965% | 6,177 |
| Loan and lease loss provision to assets | 0.1202% | 1,839 |
| Net operating income to assets | 1.6847% | 640 |
| Return on assets (ROA) | 1.6883% | 666 |
| Pretax return on assets | 1.6883% | 1,106 |
| Return on Equity (ROE) | 20.0630% | 261 |
| Retained earnings to average equity (ytd only) | 12.0797% | 388 |
| Net charge-offs to loans | -0.0549% | 5,578 |
| Credit loss provision to net charge-offs | -600.0000% | 5,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6209% | 6,127 |
| Assets per employee ($millions) | 8.0324% | 518 |
| Cash dividends to net income (ytd only)* | 39.7911% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6546% | 1,731 |
| Loan loss allowance to noncurrent loans | 1,313.4529% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,681 |
| Noncurrent loans to loans | 0.1260% | 5,248 |
| Net loans and leases to total assets | 35.5306% | 5,840 |
| Net loans and leases to deposits | 39.1386% | 5,934 |
| Net loans and leases to core deposits | 39.8566% | 5,959 |
| Total domestic deposits to total assets | 90.7816% | 364 |
| Equity capital to assets | 8.6861% | 5,541 |
| Core capital (leverage) ratio | 8.0925% | 5,874 |
| Tier 1 risk-based capital ratio | 16.1797% | 2,766 |
| Total risk-based capital ratio | 17.3881% | 2,740 |
| Memoranda: | ||
| Average total assets | $498,969,000 | 1,357 |
| Average earning assets | $478,829,670 | 1,311 |
| Average equity | $41,987,670 | 1,760 |
| Average total loans | $182,228,000 | 2,246 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8056% | 6,066 |
| Cost of funding earning assets | 0.0977% | 6,217 |
| Net interest margin | 2.7079% | 5,790 |
| Noninterest income to average assets | 0.6396% | 2,454 |
| Noninterest expense to average assets | 1.3363% | 6,266 |
| Loan and lease loss provision to assets | 0.1192% | 1,736 |
| Net operating income to assets | 1.7836% | 492 |
| Return on assets (ROA) | 1.7908% | 513 |
| Pretax return on assets | 1.7908% | 879 |
| Return on Equity (ROE) | 21.6203% | 199 |
| Retained earnings to average equity (ytd only) | 21.6203% | 73 |
| Net charge-offs to loans | -0.0931% | 5,828 |
| Credit loss provision to net charge-offs | -348.8372% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2558% | 6,242 |
| Assets per employee ($millions) | 8.7605% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 2,369 |
| Loan loss allowance to noncurrent loans | 2,349.1525% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 5,852 |
| Noncurrent loans to loans | 0.0647% | 5,512 |
| Net loans and leases to total assets | 34.7472% | 5,893 |
| Net loans and leases to deposits | 38.1391% | 5,982 |
| Net loans and leases to core deposits | 38.7297% | 6,017 |
| Total domestic deposits to total assets | 91.1064% | 335 |
| Equity capital to assets | 8.3994% | 5,806 |
| Core capital (leverage) ratio | 8.1512% | 5,847 |
| Tier 1 risk-based capital ratio | 16.1111% | 2,868 |
| Total risk-based capital ratio | 17.2600% | 2,848 |
| Memoranda: | ||
| Average total assets | $503,465,000 | 1,349 |
| Average earning assets | $483,327,500 | 1,312 |
| Average equity | $41,701,500 | 1,773 |
| Average total loans | $184,831,500 | 2,231 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 6,058 |
| Cost of funding earning assets | 0.1173% | 6,262 |
| Net interest margin | 2.8953% | 5,655 |
| Noninterest income to average assets | 0.7044% | 2,285 |
| Noninterest expense to average assets | 1.4907% | 6,301 |
| Loan and lease loss provision to assets | -0.0442% | 6,016 |
| Net operating income to assets | 1.9885% | 332 |
| Return on assets (ROA) | 1.9885% | 344 |
| Pretax return on assets | 1.9885% | 525 |
| Return on Equity (ROE) | 23.8357% | 127 |
| Retained earnings to average equity (ytd only) | 10.9790% | 383 |
| Net charge-offs to loans | -0.2123% | 6,275 |
| Credit loss provision to net charge-offs | 52.4934% | 3,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3982% | 6,338 |
| Assets per employee ($millions) | 8.3061% | 477 |
| Cash dividends to net income (ytd only)* | 53.9386% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3770% | 3,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 37.6922% | 5,871 |
| Net loans and leases to deposits | 41.5614% | 5,982 |
| Net loans and leases to core deposits | 42.1423% | 6,035 |
| Total domestic deposits to total assets | 90.6904% | 470 |
| Equity capital to assets | 8.1600% | 5,981 |
| Core capital (leverage) ratio | 7.8600% | 6,073 |
| Tier 1 risk-based capital ratio | 15.1247% | 3,424 |
| Total risk-based capital ratio | 16.1904% | 3,455 |
| Memoranda: | ||
| Average total assets | $451,996,400 | 1,470 |
| Average earning assets | $426,272,200 | 1,435 |
| Average equity | $37,708,200 | 1,867 |
| Average total loans | $179,495,000 | 2,233 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 6,133 |
| Cost of funding earning assets | 0.1204% | 6,332 |
| Net interest margin | 2.8876% | 5,724 |
| Noninterest income to average assets | 0.7271% | 2,199 |
| Noninterest expense to average assets | 1.5066% | 6,354 |
| Loan and lease loss provision to assets | -0.0753% | 6,236 |
| Net operating income to assets | 2.0056% | 344 |
| Return on assets (ROA) | 2.0056% | 356 |
| Pretax return on assets | 2.0056% | 556 |
| Return on Equity (ROE) | 23.8958% | 129 |
| Retained earnings to average equity (ytd only) | 10.3503% | 623 |
| Net charge-offs to loans | -0.2869% | 6,380 |
| Credit loss provision to net charge-offs | 65.4450% | 2,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8366% | 6,368 |
| Assets per employee ($millions) | 8.1662% | 482 |
| Cash dividends to net income (ytd only)* | 56.6857% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 6,038 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.9336% | 5,889 |
| Net loans and leases to deposits | 43.0415% | 6,018 |
| Net loans and leases to core deposits | 43.6768% | 6,052 |
| Total domestic deposits to total assets | 90.4560% | 545 |
| Equity capital to assets | 8.2946% | 5,946 |
| Core capital (leverage) ratio | 8.1390% | 5,978 |
| Tier 1 risk-based capital ratio | 15.0580% | 3,554 |
| Total risk-based capital ratio | 16.1353% | 3,594 |
| Memoranda: | ||
| Average total assets | $442,480,000 | 1,515 |
| Average earning assets | $415,234,250 | 1,487 |
| Average equity | $37,138,000 | 1,899 |
| Average total loans | $177,545,250 | 2,263 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0080% | 6,169 |
| Cost of funding earning assets | 0.1236% | 6,395 |
| Net interest margin | 2.8844% | 5,761 |
| Noninterest income to average assets | 0.7479% | 2,057 |
| Noninterest expense to average assets | 1.5248% | 6,405 |
| Loan and lease loss provision to assets | -0.1150% | 6,397 |
| Net operating income to assets | 2.0436% | 305 |
| Return on assets (ROA) | 2.0436% | 324 |
| Pretax return on assets | 2.0436% | 504 |
| Return on Equity (ROE) | 24.2471% | 130 |
| Retained earnings to average equity (ytd only) | 9.5286% | 831 |
| Net charge-offs to loans | -0.4137% | 6,488 |
| Credit loss provision to net charge-offs | 68.8705% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1529% | 6,412 |
| Assets per employee ($millions) | 7.9121% | 519 |
| Cash dividends to net income (ytd only)* | 60.7022% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 3,334 |
| Loan loss allowance to noncurrent loans | 2,588.6598% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 5,916 |
| Noncurrent loans to loans | 0.0542% | 5,878 |
| Net loans and leases to total assets | 39.8142% | 5,835 |
| Net loans and leases to deposits | 44.1502% | 5,975 |
| Net loans and leases to core deposits | 44.8893% | 6,037 |
| Total domestic deposits to total assets | 90.1789% | 720 |
| Equity capital to assets | 8.4678% | 5,824 |
| Core capital (leverage) ratio | 8.3086% | 5,840 |
| Tier 1 risk-based capital ratio | 14.9042% | 3,687 |
| Total risk-based capital ratio | 15.9966% | 3,731 |
| Memoranda: | ||
| Average total assets | $434,815,330 | 1,539 |
| Average earning assets | $407,846,670 | 1,504 |
| Average equity | $36,647,670 | 1,916 |
| Average total loans | $175,475,000 | 2,287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9193% | 6,311 |
| Cost of funding earning assets | 0.1265% | 6,462 |
| Net interest margin | 2.7928% | 5,950 |
| Noninterest income to average assets | 0.7885% | 1,801 |
| Noninterest expense to average assets | 1.5259% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8872% | 403 |
| Return on assets (ROA) | 1.8872% | 424 |
| Pretax return on assets | 1.8872% | 668 |
| Return on Equity (ROE) | 22.4456% | 182 |
| Retained earnings to average equity (ytd only) | 22.4456% | 79 |
| Net charge-offs to loans | -0.0875% | 6,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7075% | 6,471 |
| Assets per employee ($millions) | 7.5122% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 3,386 |
| Loan loss allowance to noncurrent loans | 243,600.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 6,034 |
| Noncurrent loans to loans | 0.0006% | 6,206 |
| Net loans and leases to total assets | 38.7758% | 5,888 |
| Net loans and leases to deposits | 43.1462% | 6,017 |
| Net loans and leases to core deposits | 43.8905% | 6,082 |
| Total domestic deposits to total assets | 89.8708% | 1,143 |
| Equity capital to assets | 8.7271% | 5,423 |
| Core capital (leverage) ratio | 8.4423% | 5,710 |
| Tier 1 risk-based capital ratio | 16.1597% | 3,080 |
| Total risk-based capital ratio | 17.3008% | 3,100 |
| Memoranda: | ||
| Average total assets | $430,685,000 | 1,561 |
| Average earning assets | $404,757,500 | 1,517 |
| Average equity | $36,212,000 | 1,924 |
| Average total loans | $173,753,500 | 2,301 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2479% | 6,079 |
| Cost of funding earning assets | 0.1525% | 6,530 |
| Net interest margin | 3.0954% | 5,329 |
| Noninterest income to average assets | 0.7643% | 2,239 |
| Noninterest expense to average assets | 1.6133% | 6,509 |
| Loan and lease loss provision to assets | 0.1030% | 3,080 |
| Net operating income to assets | 1.9270% | 381 |
| Return on assets (ROA) | 1.9318% | 380 |
| Pretax return on assets | 1.9446% | 547 |
| Return on Equity (ROE) | 24.2053% | 142 |
| Retained earnings to average equity (ytd only) | 17.6104% | 110 |
| Net charge-offs to loans | -0.0880% | 6,448 |
| Credit loss provision to net charge-offs | -270.7006% | 6,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1278% | 6,613 |
| Assets per employee ($millions) | 7.3419% | 646 |
| Cash dividends to net income (ytd only)* | 27.2454% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3394% | 3,942 |
| Loan loss allowance to noncurrent loans | 119,900.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 6,132 |
| Noncurrent loans to loans | 0.0011% | 6,314 |
| Net loans and leases to total assets | 40.7772% | 5,908 |
| Net loans and leases to deposits | 45.0195% | 6,070 |
| Net loans and leases to core deposits | 45.7807% | 6,145 |
| Total domestic deposits to total assets | 90.5767% | 768 |
| Equity capital to assets | 8.0926% | 5,942 |
| Core capital (leverage) ratio | 7.9456% | 6,175 |
| Tier 1 risk-based capital ratio | 14.4429% | 3,991 |
| Total risk-based capital ratio | 15.5078% | 4,056 |
| Memoranda: | ||
| Average total assets | $412,682,200 | 1,599 |
| Average earning assets | $385,536,400 | 1,565 |
| Average equity | $32,935,000 | 2,085 |
| Average total loans | $178,419,200 | 2,212 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2992% | 6,063 |
| Cost of funding earning assets | 0.1584% | 6,607 |
| Net interest margin | 3.1408% | 5,190 |
| Noninterest income to average assets | 0.7969% | 2,167 |
| Noninterest expense to average assets | 1.6367% | 6,528 |
| Loan and lease loss provision to assets | 0.2208% | 1,647 |
| Net operating income to assets | 1.8543% | 472 |
| Return on assets (ROA) | 1.8608% | 476 |
| Pretax return on assets | 1.8781% | 745 |
| Return on Equity (ROE) | 23.4032% | 158 |
| Retained earnings to average equity (ytd only) | 16.3798% | 147 |
| Net charge-offs to loans | -0.1451% | 6,585 |
| Credit loss provision to net charge-offs | -347.9381% | 5,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8898% | 6,660 |
| Assets per employee ($millions) | 6.9902% | 752 |
| Cash dividends to net income (ytd only)* | 30.0105% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 3,544 |
| Loan loss allowance to noncurrent loans | 1,296.6184% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 6,056 |
| Noncurrent loans to loans | 0.1141% | 5,990 |
| Net loans and leases to total assets | 42.6293% | 5,850 |
| Net loans and leases to deposits | 47.1489% | 6,023 |
| Net loans and leases to core deposits | 48.2564% | 6,111 |
| Total domestic deposits to total assets | 90.4141% | 780 |
| Equity capital to assets | 7.9514% | 6,176 |
| Core capital (leverage) ratio | 7.9006% | 6,273 |
| Tier 1 risk-based capital ratio | 13.7066% | 4,625 |
| Total risk-based capital ratio | 14.8968% | 4,616 |
| Memoranda: | ||
| Average total assets | $407,559,500 | 1,629 |
| Average earning assets | $380,490,000 | 1,595 |
| Average equity | $32,405,000 | 2,131 |
| Average total loans | $178,265,500 | 2,217 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2491% | 6,158 |
| Cost of funding earning assets | 0.1645% | 6,650 |
| Net interest margin | 3.0846% | 5,318 |
| Noninterest income to average assets | 0.8176% | 2,118 |
| Noninterest expense to average assets | 1.5797% | 6,607 |
| Loan and lease loss provision to assets | 0.2849% | 1,276 |
| Net operating income to assets | 1.8073% | 510 |
| Return on assets (ROA) | 1.8171% | 536 |
| Pretax return on assets | 1.8434% | 833 |
| Return on Equity (ROE) | 22.8542% | 179 |
| Retained earnings to average equity (ytd only) | 15.1198% | 229 |
| Net charge-offs to loans | 0.0192% | 4,462 |
| Credit loss provision to net charge-offs | 3,382.3529% | 94 |
| Earnings coverage of net charge-offs (x) | 251.4706% | 210 |
| Efficiency ratio | 42.7174% | 6,739 |
| Assets per employee ($millions) | 6.4683% | 913 |
| Cash dividends to net income (ytd only)* | 33.8424% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 4,737 |
| Loan loss allowance to noncurrent loans | 585.9259% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 5,940 |
| Noncurrent loans to loans | 0.2131% | 5,768 |
| Net loans and leases to total assets | 47.5658% | 5,364 |
| Net loans and leases to deposits | 52.6621% | 5,631 |
| Net loans and leases to core deposits | 54.0999% | 5,747 |
| Total domestic deposits to total assets | 90.3226% | 846 |
| Equity capital to assets | 8.0764% | 6,148 |
| Core capital (leverage) ratio | 7.6758% | 6,382 |
| Tier 1 risk-based capital ratio | 12.6304% | 5,409 |
| Total risk-based capital ratio | 13.6543% | 5,515 |
| Memoranda: | ||
| Average total assets | $403,609,670 | 1,645 |
| Average earning assets | $376,904,330 | 1,611 |
| Average equity | $32,090,330 | 2,150 |
| Average total loans | $177,195,670 | 2,233 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1513% | 6,351 |
| Cost of funding earning assets | 0.1652% | 6,748 |
| Net interest margin | 2.9861% | 5,607 |
| Noninterest income to average assets | 0.8693% | 1,868 |
| Noninterest expense to average assets | 1.5446% | 6,707 |
| Loan and lease loss provision to assets | 0.3920% | 797 |
| Net operating income to assets | 1.5963% | 713 |
| Return on assets (ROA) | 1.6054% | 765 |
| Pretax return on assets | 1.7240% | 1,023 |
| Return on Equity (ROE) | 20.3466% | 271 |
| Retained earnings to average equity (ytd only) | 20.3466% | 128 |
| Net charge-offs to loans | 0.0351% | 3,532 |
| Credit loss provision to net charge-offs | 2,666.6667% | 117 |
| Earnings coverage of net charge-offs (x) | 143.2667% | 276 |
| Efficiency ratio | 42.3087% | 6,828 |
| Assets per employee ($millions) | 7.2508% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,724 |
| Loan loss allowance to noncurrent loans | 500.0000% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 5,960 |
| Noncurrent loans to loans | 0.2590% | 5,762 |
| Net loans and leases to total assets | 40.5753% | 5,951 |
| Net loans and leases to deposits | 44.8886% | 6,131 |
| Net loans and leases to core deposits | 46.0558% | 6,209 |
| Total domestic deposits to total assets | 90.3911% | 821 |
| Equity capital to assets | 7.9897% | 6,383 |
| Core capital (leverage) ratio | 7.5107% | 6,466 |
| Tier 1 risk-based capital ratio | 13.1554% | 5,102 |
| Total risk-based capital ratio | 14.1735% | 5,235 |
| Memoranda: | ||
| Average total assets | $408,130,000 | 1,645 |
| Average earning assets | $380,164,000 | 1,609 |
| Average equity | $32,202,000 | 2,168 |
| Average total loans | $170,767,000 | 2,314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3369% | 6,554 |
| Cost of funding earning assets | 0.2159% | 6,790 |
| Net interest margin | 3.1210% | 5,762 |
| Noninterest income to average assets | 0.6602% | 2,939 |
| Noninterest expense to average assets | 1.6209% | 6,788 |
| Loan and lease loss provision to assets | 0.2820% | 2,398 |
| Net operating income to assets | 1.5763% | 789 |
| Return on assets (ROA) | 1.5763% | 869 |
| Pretax return on assets | 1.6854% | 1,171 |
| Return on Equity (ROE) | 20.2094% | 297 |
| Retained earnings to average equity (ytd only) | 15.2715% | 145 |
| Net charge-offs to loans | 0.7187% | 1,640 |
| Credit loss provision to net charge-offs | 90.7519% | 3,447 |
| Earnings coverage of net charge-offs (x) | 6.3310% | 2,828 |
| Efficiency ratio | 45.1722% | 6,814 |
| Assets per employee ($millions) | 7.6032% | 596 |
| Cash dividends to net income (ytd only)* | 24.4335% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,732 |
| Loan loss allowance to noncurrent loans | 329.4011% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 5,967 |
| Noncurrent loans to loans | 0.3210% | 5,683 |
| Net loans and leases to total assets | 42.1434% | 5,995 |
| Net loans and leases to deposits | 46.5529% | 6,213 |
| Net loans and leases to core deposits | 47.9263% | 6,276 |
| Total domestic deposits to total assets | 90.5280% | 693 |
| Equity capital to assets | 7.7880% | 6,509 |
| Core capital (leverage) ratio | 7.1749% | 6,647 |
| Tier 1 risk-based capital ratio | 12.6233% | 5,382 |
| Total risk-based capital ratio | 13.4842% | 5,595 |
| Memoranda: | ||
| Average total assets | $372,325,200 | 1,749 |
| Average earning assets | $349,307,400 | 1,708 |
| Average equity | $29,041,000 | 2,315 |
| Average total loans | $160,986,800 | 2,412 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 6,697 |
| Cost of funding earning assets | 0.2289% | 6,877 |
| Net interest margin | 3.1088% | 5,921 |
| Noninterest income to average assets | 0.5349% | 3,712 |
| Noninterest expense to average assets | 1.5736% | 6,895 |
| Loan and lease loss provision to assets | 0.3565% | 1,828 |
| Net operating income to assets | 1.4113% | 1,200 |
| Return on assets (ROA) | 1.4113% | 1,317 |
| Pretax return on assets | 1.5243% | 1,794 |
| Return on Equity (ROE) | 18.0863% | 493 |
| Retained earnings to average equity (ytd only) | 12.9884% | 401 |
| Net charge-offs to loans | 0.1550% | 3,877 |
| Credit loss provision to net charge-offs | 529.8913% | 508 |
| Earnings coverage of net charge-offs (x) | 27.9562% | 1,164 |
| Efficiency ratio | 45.5546% | 6,839 |
| Assets per employee ($millions) | 7.0422% | 728 |
| Cash dividends to net income (ytd only)* | 28.1865% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 3,475 |
| Loan loss allowance to noncurrent loans | 174.2453% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 5,391 |
| Noncurrent loans to loans | 0.9247% | 4,583 |
| Net loans and leases to total assets | 42.7729% | 6,061 |
| Net loans and leases to deposits | 47.2796% | 6,302 |
| Net loans and leases to core deposits | 48.7021% | 6,369 |
| Total domestic deposits to total assets | 90.4681% | 610 |
| Equity capital to assets | 7.7788% | 6,684 |
| Core capital (leverage) ratio | 7.2285% | 6,739 |
| Tier 1 risk-based capital ratio | 12.5632% | 5,593 |
| Total risk-based capital ratio | 13.8145% | 5,554 |
| Memoranda: | ||
| Average total assets | $364,664,750 | 1,808 |
| Average earning assets | $342,461,250 | 1,759 |
| Average equity | $28,455,500 | 2,370 |
| Average total loans | $158,323,750 | 2,473 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 6,773 |
| Cost of funding earning assets | 0.2471% | 6,922 |
| Net interest margin | 3.1078% | 5,983 |
| Noninterest income to average assets | 0.4760% | 4,087 |
| Noninterest expense to average assets | 1.5452% | 6,972 |
| Loan and lease loss provision to assets | 0.5320% | 1,174 |
| Net operating income to assets | 1.2125% | 1,673 |
| Return on assets (ROA) | 1.2125% | 1,867 |
| Pretax return on assets | 1.3077% | 2,531 |
| Return on Equity (ROE) | 15.5210% | 850 |
| Retained earnings to average equity (ytd only) | 10.2016% | 922 |
| Net charge-offs to loans | 0.2904% | 2,868 |
| Credit loss provision to net charge-offs | 422.2222% | 700 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,704 |
| Efficiency ratio | 45.6486% | 6,894 |
| Assets per employee ($millions) | 6.5734% | 916 |
| Cash dividends to net income (ytd only)* | 34.2725% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,511 |
| Loan loss allowance to noncurrent loans | 198.8730% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 5,534 |
| Noncurrent loans to loans | 0.8171% | 4,881 |
| Net loans and leases to total assets | 43.5322% | 6,062 |
| Net loans and leases to deposits | 48.1697% | 6,299 |
| Net loans and leases to core deposits | 49.6973% | 6,353 |
| Total domestic deposits to total assets | 90.3727% | 726 |
| Equity capital to assets | 7.7436% | 6,699 |
| Core capital (leverage) ratio | 7.2947% | 6,721 |
| Tier 1 risk-based capital ratio | 12.3519% | 5,680 |
| Total risk-based capital ratio | 13.6030% | 5,662 |
| Memoranda: | ||
| Average total assets | $357,112,330 | 1,841 |
| Average earning assets | $334,254,670 | 1,796 |
| Average equity | $27,897,670 | 2,404 |
| Average total loans | $154,971,000 | 2,535 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 6,782 |
| Cost of funding earning assets | 0.2706% | 6,945 |
| Net interest margin | 3.1507% | 5,908 |
| Noninterest income to average assets | 0.5870% | 3,318 |
| Noninterest expense to average assets | 1.5221% | 7,041 |
| Loan and lease loss provision to assets | 0.1706% | 3,265 |
| Net operating income to assets | 1.7053% | 708 |
| Return on assets (ROA) | 1.7053% | 791 |
| Pretax return on assets | 1.8213% | 1,032 |
| Return on Equity (ROE) | 21.7294% | 286 |
| Retained earnings to average equity (ytd only) | 21.7294% | 138 |
| Net charge-offs to loans | 0.8052% | 1,277 |
| Credit loss provision to net charge-offs | 49.3421% | 3,300 |
| Earnings coverage of net charge-offs (x) | 5.7599% | 2,304 |
| Efficiency ratio | 43.3150% | 7,015 |
| Assets per employee ($millions) | 6.7437% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 5,709 |
| Loan loss allowance to noncurrent loans | 351.4911% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 5,812 |
| Noncurrent loans to loans | 0.3274% | 6,017 |
| Net loans and leases to total assets | 43.3016% | 6,073 |
| Net loans and leases to deposits | 48.4110% | 6,269 |
| Net loans and leases to core deposits | 49.9349% | 6,347 |
| Total domestic deposits to total assets | 89.4457% | 1,400 |
| Equity capital to assets | 8.0474% | 6,492 |
| Core capital (leverage) ratio | 7.3845% | 6,694 |
| Tier 1 risk-based capital ratio | 12.9326% | 5,256 |
| Total risk-based capital ratio | 13.8935% | 5,451 |
| Memoranda: | ||
| Average total assets | $351,613,000 | 1,883 |
| Average earning assets | $326,662,500 | 1,844 |
| Average equity | $27,594,000 | 2,422 |
| Average total loans | $151,009,500 | 2,616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 6,933 |
| Cost of funding earning assets | 0.4901% | 6,576 |
| Net interest margin | 3.1099% | 6,324 |
| Noninterest income to average assets | 0.6182% | 3,072 |
| Noninterest expense to average assets | 1.6897% | 7,063 |
| Loan and lease loss provision to assets | 0.2560% | 3,646 |
| Net operating income to assets | 1.4750% | 875 |
| Return on assets (ROA) | 1.4750% | 951 |
| Pretax return on assets | 1.5553% | 1,326 |
| Return on Equity (ROE) | 18.2796% | 360 |
| Retained earnings to average equity (ytd only) | 11.4317% | 356 |
| Net charge-offs to loans | 0.4381% | 3,248 |
| Credit loss provision to net charge-offs | 129.6596% | 2,365 |
| Earnings coverage of net charge-offs (x) | 9.1750% | 2,026 |
| Efficiency ratio | 48.2636% | 6,934 |
| Assets per employee ($millions) | 6.5288% | 939 |
| Cash dividends to net income (ytd only)* | 37.4620% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 4,928 |
| Loan loss allowance to noncurrent loans | 244.2186% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 5,631 |
| Noncurrent loans to loans | 0.5303% | 5,652 |
| Net loans and leases to total assets | 41.5490% | 6,417 |
| Net loans and leases to deposits | 46.4496% | 6,600 |
| Net loans and leases to core deposits | 47.9014% | 6,648 |
| Total domestic deposits to total assets | 89.4496% | 1,296 |
| Equity capital to assets | 7.6493% | 6,748 |
| Core capital (leverage) ratio | 7.0216% | 6,858 |
| Tier 1 risk-based capital ratio | 12.7490% | 5,272 |
| Total risk-based capital ratio | 13.8392% | 5,370 |
| Memoranda: | ||
| Average total assets | $312,534,400 | 2,053 |
| Average earning assets | $289,718,800 | 2,025 |
| Average equity | $25,219,400 | 2,556 |
| Average total loans | $140,846,800 | 2,772 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 6,977 |
| Cost of funding earning assets | 0.5510% | 6,509 |
| Net interest margin | 3.1010% | 6,381 |
| Noninterest income to average assets | 0.6941% | 2,641 |
| Noninterest expense to average assets | 1.7139% | 7,084 |
| Loan and lease loss provision to assets | 0.3526% | 2,754 |
| Net operating income to assets | 1.4442% | 1,066 |
| Return on assets (ROA) | 1.4442% | 1,141 |
| Pretax return on assets | 1.5073% | 1,639 |
| Return on Equity (ROE) | 17.6304% | 495 |
| Retained earnings to average equity (ytd only) | 10.3620% | 752 |
| Net charge-offs to loans | 0.6083% | 2,425 |
| Credit loss provision to net charge-offs | 126.1830% | 2,541 |
| Earnings coverage of net charge-offs (x) | 6.6562% | 2,514 |
| Efficiency ratio | 47.9591% | 6,964 |
| Assets per employee ($millions) | 5.9401% | 1,244 |
| Cash dividends to net income (ytd only)* | 41.2268% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,949 |
| Loan loss allowance to noncurrent loans | 211.4317% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 5,477 |
| Noncurrent loans to loans | 0.6214% | 5,647 |
| Net loans and leases to total assets | 44.6076% | 6,271 |
| Net loans and leases to deposits | 50.5051% | 6,476 |
| Net loans and leases to core deposits | 52.4291% | 6,542 |
| Total domestic deposits to total assets | 88.3230% | 1,860 |
| Equity capital to assets | 8.1336% | 6,616 |
| Core capital (leverage) ratio | 7.3047% | 6,855 |
| Tier 1 risk-based capital ratio | 12.7754% | 5,271 |
| Total risk-based capital ratio | 13.9044% | 5,351 |
| Memoranda: | ||
| Average total assets | $302,529,250 | 2,126 |
| Average earning assets | $280,933,250 | 2,092 |
| Average equity | $24,782,250 | 2,605 |
| Average total loans | $138,957,250 | 2,833 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6073% | 7,093 |
| Cost of funding earning assets | 0.5985% | 6,471 |
| Net interest margin | 3.0087% | 6,588 |
| Noninterest income to average assets | 0.7043% | 2,527 |
| Noninterest expense to average assets | 1.8020% | 7,082 |
| Loan and lease loss provision to assets | 0.2024% | 3,900 |
| Net operating income to assets | 1.4552% | 967 |
| Return on assets (ROA) | 1.4552% | 1,028 |
| Pretax return on assets | 1.4876% | 1,568 |
| Return on Equity (ROE) | 17.7193% | 485 |
| Retained earnings to average equity (ytd only) | 9.9070% | 868 |
| Net charge-offs to loans | 0.6879% | 2,122 |
| Credit loss provision to net charge-offs | 63.6943% | 4,249 |
| Earnings coverage of net charge-offs (x) | 5.3185% | 2,642 |
| Efficiency ratio | 51.6036% | 6,822 |
| Assets per employee ($millions) | 5.7423% | 1,348 |
| Cash dividends to net income (ytd only)* | 44.0890% | 1,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,850 |
| Loan loss allowance to noncurrent loans | 106.0893% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 5,073 |
| Noncurrent loans to loans | 1.0601% | 4,889 |
| Net loans and leases to total assets | 45.2974% | 6,324 |
| Net loans and leases to deposits | 51.4121% | 6,510 |
| Net loans and leases to core deposits | 53.6341% | 6,583 |
| Total domestic deposits to total assets | 88.1064% | 2,074 |
| Equity capital to assets | 8.2796% | 6,447 |
| Core capital (leverage) ratio | 7.4234% | 6,795 |
| Tier 1 risk-based capital ratio | 12.6932% | 5,184 |
| Total risk-based capital ratio | 13.6569% | 5,412 |
| Memoranda: | ||
| Average total assets | $296,449,670 | 2,171 |
| Average earning assets | $274,666,670 | 2,147 |
| Average equity | $24,346,330 | 2,626 |
| Average total loans | $136,945,670 | 2,918 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 7,141 |
| Cost of funding earning assets | 0.6427% | 6,415 |
| Net interest margin | 2.9536% | 6,670 |
| Noninterest income to average assets | 0.7713% | 2,149 |
| Noninterest expense to average assets | 1.7408% | 7,197 |
| Loan and lease loss provision to assets | 0.4103% | 2,140 |
| Net operating income to assets | 1.3716% | 1,114 |
| Return on assets (ROA) | 1.3716% | 1,162 |
| Pretax return on assets | 1.3415% | 1,908 |
| Return on Equity (ROE) | 16.7722% | 599 |
| Retained earnings to average equity (ytd only) | 16.7722% | 296 |
| Net charge-offs to loans | 0.8754% | 1,510 |
| Credit loss provision to net charge-offs | 101.0101% | 2,613 |
| Earnings coverage of net charge-offs (x) | 4.3131% | 2,514 |
| Efficiency ratio | 49.8434% | 6,997 |
| Assets per employee ($millions) | 5.7724% | 1,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 5,091 |
| Loan loss allowance to noncurrent loans | 141.9723% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 5,349 |
| Noncurrent loans to loans | 0.9217% | 5,190 |
| Net loans and leases to total assets | 43.7684% | 6,489 |
| Net loans and leases to deposits | 49.8080% | 6,637 |
| Net loans and leases to core deposits | 52.2040% | 6,669 |
| Total domestic deposits to total assets | 87.8743% | 2,444 |
| Equity capital to assets | 8.1232% | 6,368 |
| Core capital (leverage) ratio | 7.5002% | 6,730 |
| Tier 1 risk-based capital ratio | 13.1537% | 4,707 |
| Total risk-based capital ratio | 14.2669% | 4,796 |
| Memoranda: | ||
| Average total assets | $292,504,500 | 2,208 |
| Average earning assets | $269,505,000 | 2,202 |
| Average equity | $23,920,500 | 2,651 |
| Average total loans | $135,705,500 | 2,973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 6,486 |
| Cost of funding earning assets | 0.9285% | 6,039 |
| Net interest margin | 3.5349% | 5,094 |
| Noninterest income to average assets | 0.6751% | 2,991 |
| Noninterest expense to average assets | 2.0635% | 6,918 |
| Loan and lease loss provision to assets | 0.1982% | 5,250 |
| Net operating income to assets | 1.5722% | 656 |
| Return on assets (ROA) | 1.5722% | 719 |
| Pretax return on assets | 1.7028% | 933 |
| Return on Equity (ROE) | 17.6328% | 412 |
| Retained earnings to average equity (ytd only) | 9.6904% | 573 |
| Net charge-offs to loans | 0.0815% | 6,010 |
| Credit loss provision to net charge-offs | 432.2034% | 541 |
| Earnings coverage of net charge-offs (x) | 41.4492% | 561 |
| Efficiency ratio | 52.0490% | 6,983 |
| Assets per employee ($millions) | 5.3744% | 1,695 |
| Cash dividends to net income (ytd only)* | 45.0433% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 5,211 |
| Loan loss allowance to noncurrent loans | 257.2485% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6298% | 5,743 |
| Noncurrent loans to loans | 0.4888% | 6,060 |
| Net loans and leases to total assets | 47.9394% | 6,396 |
| Net loans and leases to deposits | 54.7976% | 6,539 |
| Net loans and leases to core deposits | 57.5991% | 6,592 |
| Total domestic deposits to total assets | 87.4844% | 2,558 |
| Equity capital to assets | 8.2354% | 6,224 |
| Core capital (leverage) ratio | 7.4568% | 6,738 |
| Tier 1 risk-based capital ratio | 12.3912% | 5,123 |
| Total risk-based capital ratio | 13.4887% | 5,232 |
| Memoranda: | ||
| Average total assets | $257,277,400 | 2,478 |
| Average earning assets | $239,414,600 | 2,428 |
| Average equity | $22,940,200 | 2,771 |
| Average total loans | $144,817,400 | 2,856 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 6,382 |
| Cost of funding earning assets | 0.9856% | 6,006 |
| Net interest margin | 3.5969% | 4,893 |
| Noninterest income to average assets | 0.6156% | 3,350 |
| Noninterest expense to average assets | 2.0709% | 6,911 |
| Loan and lease loss provision to assets | 0.2716% | 4,415 |
| Net operating income to assets | 1.5128% | 901 |
| Return on assets (ROA) | 1.5128% | 981 |
| Pretax return on assets | 1.6369% | 1,256 |
| Return on Equity (ROE) | 16.6058% | 638 |
| Retained earnings to average equity (ytd only) | 10.0067% | 793 |
| Net charge-offs to loans | 0.2795% | 4,269 |
| Credit loss provision to net charge-offs | 166.1238% | 2,251 |
| Earnings coverage of net charge-offs (x) | 11.6744% | 1,769 |
| Efficiency ratio | 52.0407% | 6,968 |
| Assets per employee ($millions) | 5.3326% | 1,789 |
| Cash dividends to net income (ytd only)* | 39.7396% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 6,259 |
| Loan loss allowance to noncurrent loans | 303.3268% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.5308% | 6,095 |
| Noncurrent loans to loans | 0.3402% | 6,515 |
| Net loans and leases to total assets | 53.6144% | 5,901 |
| Net loans and leases to deposits | 61.5816% | 6,162 |
| Net loans and leases to core deposits | 65.6506% | 6,157 |
| Total domestic deposits to total assets | 87.0624% | 2,491 |
| Equity capital to assets | 8.5181% | 6,257 |
| Core capital (leverage) ratio | 8.1298% | 6,150 |
| Tier 1 risk-based capital ratio | 11.0724% | 6,315 |
| Total risk-based capital ratio | 11.9746% | 6,590 |
| Memoranda: | ||
| Average total assets | $250,385,500 | 2,576 |
| Average earning assets | $234,157,000 | 2,525 |
| Average equity | $22,810,750 | 2,829 |
| Average total loans | $146,448,750 | 2,864 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 6,055 |
| Cost of funding earning assets | 1.0555% | 5,897 |
| Net interest margin | 3.6712% | 4,492 |
| Noninterest income to average assets | 0.5567% | 3,651 |
| Noninterest expense to average assets | 2.0670% | 6,983 |
| Loan and lease loss provision to assets | 0.2900% | 4,069 |
| Net operating income to assets | 1.4995% | 914 |
| Return on assets (ROA) | 1.4995% | 975 |
| Pretax return on assets | 1.6171% | 1,258 |
| Return on Equity (ROE) | 16.0596% | 690 |
| Retained earnings to average equity (ytd only) | 11.7475% | 527 |
| Net charge-offs to loans | 0.4573% | 3,165 |
| Credit loss provision to net charge-offs | 105.4217% | 3,862 |
| Earnings coverage of net charge-offs (x) | 6.9337% | 2,383 |
| Efficiency ratio | 52.0117% | 7,067 |
| Assets per employee ($millions) | 4.5954% | 2,738 |
| Cash dividends to net income (ytd only)* | 26.8508% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,734 |
| Loan loss allowance to noncurrent loans | 135.8209% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 5,781 |
| Noncurrent loans to loans | 0.6677% | 5,915 |
| Net loans and leases to total assets | 60.1034% | 5,038 |
| Net loans and leases to deposits | 70.1857% | 5,247 |
| Net loans and leases to core deposits | 75.3872% | 5,265 |
| Total domestic deposits to total assets | 85.6348% | 3,294 |
| Equity capital to assets | 9.3533% | 4,924 |
| Core capital (leverage) ratio | 8.3097% | 5,748 |
| Tier 1 risk-based capital ratio | 11.2091% | 6,031 |
| Total risk-based capital ratio | 12.0358% | 6,442 |
| Memoranda: | ||
| Average total assets | $241,416,330 | 2,688 |
| Average earning assets | $224,724,670 | 2,628 |
| Average equity | $22,541,000 | 2,853 |
| Average total loans | $145,192,000 | 2,918 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7429% | 6,104 |
| Cost of funding earning assets | 1.1271% | 5,765 |
| Net interest margin | 3.6158% | 4,651 |
| Noninterest income to average assets | 0.6100% | 3,210 |
| Noninterest expense to average assets | 2.1105% | 6,909 |
| Loan and lease loss provision to assets | 0.3361% | 3,375 |
| Net operating income to assets | 1.3930% | 1,090 |
| Return on assets (ROA) | 1.3930% | 1,165 |
| Pretax return on assets | 1.5056% | 1,496 |
| Return on Equity (ROE) | 14.9326% | 891 |
| Retained earnings to average equity (ytd only) | 14.9326% | 419 |
| Net charge-offs to loans | 0.8082% | 1,923 |
| Credit loss provision to net charge-offs | 69.4444% | 4,110 |
| Earnings coverage of net charge-offs (x) | 3.8056% | 2,774 |
| Efficiency ratio | 53.4014% | 7,031 |
| Assets per employee ($millions) | 4.7668% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8730% | 6,917 |
| Loan loss allowance to noncurrent loans | 71.1702% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 5,023 |
| Noncurrent loans to loans | 1.2266% | 4,922 |
| Net loans and leases to total assets | 59.9814% | 5,124 |
| Net loans and leases to deposits | 70.4200% | 5,277 |
| Net loans and leases to core deposits | 75.5286% | 5,319 |
| Total domestic deposits to total assets | 85.1766% | 3,570 |
| Equity capital to assets | 9.4592% | 4,598 |
| Core capital (leverage) ratio | 8.2561% | 5,823 |
| Tier 1 risk-based capital ratio | 11.4594% | 5,714 |
| Total risk-based capital ratio | 12.2635% | 6,116 |
| Memoranda: | ||
| Average total assets | $238,050,000 | 2,788 |
| Average earning assets | $220,033,500 | 2,739 |
| Average equity | $22,206,500 | 2,916 |
| Average total loans | $142,532,500 | 3,030 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 6,750 |
| Cost of funding earning assets | 1.3719% | 6,047 |
| Net interest margin | 3.5120% | 4,903 |
| Noninterest income to average assets | 0.5307% | 4,173 |
| Noninterest expense to average assets | 2.5228% | 6,046 |
| Loan and lease loss provision to assets | 0.1285% | 6,354 |
| Net operating income to assets | 1.0395% | 1,705 |
| Return on assets (ROA) | 1.0395% | 1,751 |
| Pretax return on assets | 1.1470% | 2,108 |
| Return on Equity (ROE) | 11.5013% | 1,289 |
| Retained earnings to average equity (ytd only) | 7.1036% | 930 |
| Net charge-offs to loans | 0.0724% | 6,384 |
| Credit loss provision to net charge-offs | 319.1489% | 1,024 |
| Earnings coverage of net charge-offs (x) | 31.6809% | 728 |
| Efficiency ratio | 66.4186% | 5,305 |
| Assets per employee ($millions) | 4.4861% | 2,950 |
| Cash dividends to net income (ytd only)* | 38.2365% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9564% | 6,603 |
| Loan loss allowance to noncurrent loans | 160.7399% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 5,766 |
| Noncurrent loans to loans | 0.5950% | 6,049 |
| Net loans and leases to total assets | 58.6724% | 5,537 |
| Net loans and leases to deposits | 68.8396% | 5,743 |
| Net loans and leases to core deposits | 82.4619% | 5,879 |
| Total domestic deposits to total assets | 85.2305% | 3,444 |
| Equity capital to assets | 9.1975% | 4,847 |
| Core capital (leverage) ratio | 8.0973% | 5,997 |
| Tier 1 risk-based capital ratio | 11.0735% | 5,851 |
| Total risk-based capital ratio | 11.9379% | 6,198 |
| Memoranda: | ||
| Average total assets | $233,470,400 | 2,785 |
| Average earning assets | $217,224,400 | 2,740 |
| Average equity | $21,102,000 | 3,059 |
| Average total loans | $129,753,400 | 3,275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 7,004 |
| Cost of funding earning assets | 1.4000% | 6,231 |
| Net interest margin | 3.4532% | 5,060 |
| Noninterest income to average assets | 0.5307% | 4,231 |
| Noninterest expense to average assets | 2.2145% | 6,934 |
| Loan and lease loss provision to assets | 0.1147% | 6,218 |
| Net operating income to assets | 1.3356% | 1,148 |
| Return on assets (ROA) | 1.3356% | 1,207 |
| Pretax return on assets | 1.4320% | 1,620 |
| Return on Equity (ROE) | 14.8438% | 789 |
| Retained earnings to average equity (ytd only) | 10.1573% | 610 |
| Net charge-offs to loans | 0.0116% | 6,773 |
| Credit loss provision to net charge-offs | 1,818.1818% | 211 |
| Earnings coverage of net charge-offs (x) | 245.0293% | 156 |
| Efficiency ratio | 58.8774% | 6,580 |
| Assets per employee ($millions) | 4.3023% | 3,207 |
| Cash dividends to net income (ytd only)* | 31.5723% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 6,438 |
| Loan loss allowance to noncurrent loans | 201.2103% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 5,144 |
| Noncurrent loans to loans | 0.4824% | 6,351 |
| Net loans and leases to total assets | 59.5080% | 5,663 |
| Net loans and leases to deposits | 70.2416% | 5,882 |
| Net loans and leases to core deposits | 84.5865% | 5,994 |
| Total domestic deposits to total assets | 84.7191% | 3,362 |
| Equity capital to assets | 9.7104% | 4,482 |
| Core capital (leverage) ratio | 8.3886% | 5,681 |
| Tier 1 risk-based capital ratio | 11.2493% | 5,693 |
| Total risk-based capital ratio | 12.1126% | 6,053 |
| Memoranda: | ||
| Average total assets | $232,397,750 | 2,813 |
| Average earning assets | $217,418,000 | 2,754 |
| Average equity | $20,910,500 | 3,108 |
| Average total loans | $126,980,000 | 3,358 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 7,181 |
| Cost of funding earning assets | 1.4212% | 6,411 |
| Net interest margin | 3.4035% | 5,151 |
| Noninterest income to average assets | 0.5157% | 4,305 |
| Noninterest expense to average assets | 2.2561% | 6,903 |
| Loan and lease loss provision to assets | 0.0855% | 6,322 |
| Net operating income to assets | 1.2657% | 1,314 |
| Return on assets (ROA) | 1.2657% | 1,396 |
| Pretax return on assets | 1.3547% | 1,854 |
| Return on Equity (ROE) | 14.4390% | 919 |
| Retained earnings to average equity (ytd only) | 9.1512% | 901 |
| Net charge-offs to loans | -0.0016% | 7,473 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0366% | 6,393 |
| Assets per employee ($millions) | 4.1707% | 3,348 |
| Cash dividends to net income (ytd only)* | 36.6216% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,421 |
| Loan loss allowance to noncurrent loans | 183.7278% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 5,020 |
| Noncurrent loans to loans | 0.5305% | 6,209 |
| Net loans and leases to total assets | 56.0226% | 6,203 |
| Net loans and leases to deposits | 66.8994% | 6,309 |
| Net loans and leases to core deposits | 80.0778% | 6,402 |
| Total domestic deposits to total assets | 83.7415% | 3,900 |
| Equity capital to assets | 9.2106% | 4,998 |
| Core capital (leverage) ratio | 7.9506% | 6,420 |
| Tier 1 risk-based capital ratio | 11.3388% | 5,558 |
| Total risk-based capital ratio | 12.1852% | 5,888 |
| Memoranda: | ||
| Average total assets | $233,856,000 | 2,817 |
| Average earning assets | $218,542,000 | 2,759 |
| Average equity | $20,500,000 | 3,174 |
| Average total loans | $123,632,670 | 3,459 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 7,401 |
| Cost of funding earning assets | 1.4290% | 6,638 |
| Net interest margin | 3.3488% | 5,325 |
| Noninterest income to average assets | 0.5257% | 4,092 |
| Noninterest expense to average assets | 1.9481% | 7,451 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5887% | 801 |
| Return on assets (ROA) | 1.5887% | 880 |
| Pretax return on assets | 1.6946% | 1,190 |
| Return on Equity (ROE) | 18.5690% | 546 |
| Retained earnings to average equity (ytd only) | 18.5690% | 215 |
| Net charge-offs to loans | -0.0099% | 7,269 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4809% | 7,269 |
| Assets per employee ($millions) | 4.5668% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 6,579 |
| Loan loss allowance to noncurrent loans | 228.3433% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 5,063 |
| Noncurrent loans to loans | 0.4098% | 6,396 |
| Net loans and leases to total assets | 50.0397% | 6,863 |
| Net loans and leases to deposits | 58.0201% | 7,036 |
| Net loans and leases to core deposits | 68.0226% | 7,131 |
| Total domestic deposits to total assets | 86.2454% | 2,588 |
| Equity capital to assets | 8.6216% | 5,884 |
| Core capital (leverage) ratio | 7.8042% | 6,742 |
| Tier 1 risk-based capital ratio | 11.5333% | 5,376 |
| Total risk-based capital ratio | 12.3310% | 5,733 |
| Memoranda: | ||
| Average total assets | $238,175,000 | 2,788 |
| Average earning assets | $221,694,500 | 2,740 |
| Average equity | $20,378,000 | 3,207 |
| Average total loans | $121,741,500 | 3,517 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 7,258 |
| Cost of funding earning assets | 2.1420% | 5,868 |
| Net interest margin | 3.3758% | 5,763 |
| Noninterest income to average assets | 0.5879% | 3,940 |
| Noninterest expense to average assets | 2.0037% | 7,434 |
| Loan and lease loss provision to assets | 0.2272% | 4,617 |
| Net operating income to assets | 1.3799% | 1,277 |
| Return on assets (ROA) | 1.3795% | 1,230 |
| Pretax return on assets | 1.5057% | 1,667 |
| Return on Equity (ROE) | 15.3675% | 872 |
| Retained earnings to average equity (ytd only) | 1.1554% | 4,537 |
| Net charge-offs to loans | 0.5556% | 2,157 |
| Credit loss provision to net charge-offs | 77.2231% | 5,954 |
| Earnings coverage of net charge-offs (x) | 5.8924% | 3,497 |
| Efficiency ratio | 53.6166% | 7,313 |
| Assets per employee ($millions) | 4.5059% | 2,607 |
| Cash dividends to net income (ytd only)* | 92.4817% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 6,441 |
| Loan loss allowance to noncurrent loans | 225.4941% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 4,416 |
| Noncurrent loans to loans | 0.4174% | 6,091 |
| Net loans and leases to total assets | 51.2492% | 6,910 |
| Net loans and leases to deposits | 59.7356% | 7,112 |
| Net loans and leases to core deposits | 68.6114% | 7,262 |
| Total domestic deposits to total assets | 85.7935% | 2,500 |
| Equity capital to assets | 8.4880% | 6,103 |
| Core capital (leverage) ratio | 7.4974% | 7,207 |
| Tier 1 risk-based capital ratio | 11.0639% | 5,672 |
| Total risk-based capital ratio | 11.8697% | 5,975 |
| Memoranda: | ||
| Average total assets | $217,901,200 | 2,899 |
| Average earning assets | $203,268,000 | 2,863 |
| Average equity | $19,560,800 | 3,298 |
| Average total loans | $115,367,200 | 3,555 |