Home > First Trust Bank of Illinois > Performance and Condition Ratios
First Trust Bank of Illinois, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1006% | 4,220 |
| Cost of funding earning assets | 1.6274% | 3,114 |
| Net interest margin | 2.4732% | 3,929 |
| Noninterest income to average assets | 0.2400% | 3,442 |
| Noninterest expense to average assets | 1.7568% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.6367% | 3,137 |
| Return on assets (ROA) | 0.6367% | 3,160 |
| Pretax return on assets | 0.7892% | 3,078 |
| Return on Equity (ROE) | 8.1100% | 2,732 |
| Retained earnings to average equity (ytd only) | 2.6147% | 3,183 |
| Net charge-offs to loans | -0.0020% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.0016% | 2,125 |
| Assets per employee ($millions) | 9.2219% | 977 |
| Cash dividends to net income (ytd only)* | 67.7626% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 2,458 |
| Loan loss allowance to noncurrent loans | 116.8148% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 1,737 |
| Noncurrent loans to loans | 0.9786% | 1,020 |
| Net loans and leases to total assets | 40.0600% | 4,003 |
| Net loans and leases to deposits | 49.4228% | 3,935 |
| Net loans and leases to core deposits | 57.2401% | 3,845 |
| Total domestic deposits to total assets | 81.0600% | 3,401 |
| Equity capital to assets | 7.6695% | 3,688 |
| Core capital (leverage) ratio | 10.7001% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7632% | 1,329 |
| Memoranda: | ||
| Average total assets | $367,824,400 | 2,157 |
| Average earning assets | $343,313,800 | 2,139 |
| Average equity | $28,874,800 | 2,417 |
| Average total loans | $151,785,000 | 2,713 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 4,236 |
| Cost of funding earning assets | 1.5916% | 3,191 |
| Net interest margin | 2.5029% | 3,894 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.7477% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6783% | 3,027 |
| Return on assets (ROA) | 0.6783% | 3,053 |
| Pretax return on assets | 0.8459% | 2,932 |
| Return on Equity (ROE) | 8.5900% | 2,585 |
| Retained earnings to average equity (ytd only) | 3.2803% | 3,078 |
| Net charge-offs to loans | -0.0053% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 67.3846% | 2,330 |
| Assets per employee ($millions) | 8.9493% | 1,085 |
| Cash dividends to net income (ytd only)* | 61.8182% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,611 |
| Loan loss allowance to noncurrent loans | 133.3333% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,815 |
| Noncurrent loans to loans | 0.8448% | 1,186 |
| Net loans and leases to total assets | 40.9600% | 3,996 |
| Net loans and leases to deposits | 49.9953% | 3,957 |
| Net loans and leases to core deposits | 57.6562% | 3,856 |
| Total domestic deposits to total assets | 81.9200% | 3,125 |
| Equity capital to assets | 8.6888% | 3,259 |
| Core capital (leverage) ratio | 10.9675% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5530% | 1,179 |
| Memoranda: | ||
| Average total assets | $367,561,250 | 2,148 |
| Average earning assets | $342,955,500 | 2,135 |
| Average equity | $29,020,750 | 2,409 |
| Average total loans | $152,357,250 | 2,698 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 4,212 |
| Cost of funding earning assets | 1.5407% | 3,196 |
| Net interest margin | 2.5654% | 3,789 |
| Noninterest income to average assets | 0.2600% | 3,278 |
| Noninterest expense to average assets | 1.7603% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.7135% | 2,902 |
| Return on assets (ROA) | 0.7135% | 2,921 |
| Pretax return on assets | 0.8935% | 2,777 |
| Return on Equity (ROE) | 9.3500% | 2,356 |
| Retained earnings to average equity (ytd only) | 3.7339% | 2,816 |
| Net charge-offs to loans | -0.0092% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.3320% | 2,511 |
| Assets per employee ($millions) | 8.9981% | 1,008 |
| Cash dividends to net income (ytd only)* | 60.0610% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,633 |
| Loan loss allowance to noncurrent loans | 114.0479% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 1,538 |
| Noncurrent loans to loans | 0.9884% | 947 |
| Net loans and leases to total assets | 41.7500% | 3,988 |
| Net loans and leases to deposits | 50.1475% | 3,953 |
| Net loans and leases to core deposits | 56.6039% | 3,881 |
| Total domestic deposits to total assets | 83.2500% | 2,810 |
| Equity capital to assets | 7.8370% | 3,536 |
| Core capital (leverage) ratio | 10.3319% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3978% | 1,184 |
| Memoranda: | ||
| Average total assets | $367,774,667 | 2,139 |
| Average earning assets | $343,491,333 | 2,126 |
| Average equity | $28,067,333 | 2,432 |
| Average total loans | $152,480,667 | 2,688 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 4,274 |
| Cost of funding earning assets | 1.4716% | 3,250 |
| Net interest margin | 2.5056% | 3,859 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 1.7444% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7006% | 2,850 |
| Return on assets (ROA) | 0.7006% | 2,867 |
| Pretax return on assets | 0.8458% | 2,814 |
| Return on Equity (ROE) | 9.3000% | 2,311 |
| Retained earnings to average equity (ytd only) | 4.0289% | 2,706 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 67.3452% | 2,452 |
| Assets per employee ($millions) | 9.3371% | 916 |
| Cash dividends to net income (ytd only)* | 56.6820% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,725 |
| Loan loss allowance to noncurrent loans | 104.9200% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 1,430 |
| Noncurrent loans to loans | 1.0653% | 793 |
| Net loans and leases to total assets | 40.4100% | 4,015 |
| Net loans and leases to deposits | 48.5653% | 3,980 |
| Net loans and leases to core deposits | 54.7543% | 3,946 |
| Total domestic deposits to total assets | 83.2100% | 2,926 |
| Equity capital to assets | 7.4043% | 3,725 |
| Core capital (leverage) ratio | 10.1806% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0062% | 1,274 |
| Memoranda: | ||
| Average total assets | $371,701,000 | 2,135 |
| Average earning assets | $347,376,000 | 2,123 |
| Average equity | $27,997,500 | 2,445 |
| Average total loans | $152,737,500 | 2,685 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 4,300 |
| Cost of funding earning assets | 0.8627% | 3,593 |
| Net interest margin | 2.8066% | 3,648 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.6566% | 4,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.1551% | 1,768 |
| Return on assets (ROA) | 1.1404% | 1,780 |
| Pretax return on assets | 1.4162% | 1,601 |
| Return on Equity (ROE) | 16.2800% | 1,055 |
| Retained earnings to average equity (ytd only) | 10.0853% | 1,001 |
| Net charge-offs to loans | 0.0014% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 2,603.5000% | 55 |
| Efficiency ratio | 53.5959% | 3,705 |
| Assets per employee ($millions) | 9.0224% | 976 |
| Cash dividends to net income (ytd only)* | 38.0676% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 2,753 |
| Loan loss allowance to noncurrent loans | 93.3260% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5136% | 1,093 |
| Noncurrent loans to loans | 1.1961% | 595 |
| Net loans and leases to total assets | 40.8500% | 4,007 |
| Net loans and leases to deposits | 49.4044% | 3,963 |
| Net loans and leases to core deposits | 54.6446% | 3,955 |
| Total domestic deposits to total assets | 82.6900% | 2,963 |
| Equity capital to assets | 7.6614% | 3,622 |
| Core capital (leverage) ratio | 10.4727% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $363,024,600 | 2,151 |
| Average earning assets | $337,424,600 | 2,140 |
| Average equity | $25,423,200 | 2,494 |
| Average total loans | $146,698,000 | 2,700 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,298 |
| Cost of funding earning assets | 0.7287% | 3,699 |
| Net interest margin | 2.8795% | 3,589 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.6385% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2653% | 1,618 |
| Return on assets (ROA) | 1.2458% | 1,653 |
| Pretax return on assets | 1.5503% | 1,464 |
| Return on Equity (ROE) | 18.2300% | 922 |
| Retained earnings to average equity (ytd only) | 11.9811% | 970 |
| Net charge-offs to loans | 0.0009% | 2,603 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 4,267.0000% | 16 |
| Efficiency ratio | 50.9935% | 3,833 |
| Assets per employee ($millions) | 8.6450% | 1,063 |
| Cash dividends to net income (ytd only)* | 34.2713% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 2,682 |
| Loan loss allowance to noncurrent loans | 93.7397% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.5341% | 1,098 |
| Noncurrent loans to loans | 1.2143% | 640 |
| Net loans and leases to total assets | 41.8300% | 3,993 |
| Net loans and leases to deposits | 49.3560% | 3,961 |
| Net loans and leases to core deposits | 53.9679% | 3,929 |
| Total domestic deposits to total assets | 84.7500% | 2,579 |
| Equity capital to assets | 6.5429% | 3,818 |
| Core capital (leverage) ratio | 11.0610% | 1,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8986% | 1,350 |
| Memoranda: | ||
| Average total assets | $361,301,250 | 2,156 |
| Average earning assets | $335,379,000 | 2,159 |
| Average equity | $24,693,750 | 2,521 |
| Average total loans | $145,163,750 | 2,715 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5474% | 4,304 |
| Cost of funding earning assets | 0.5865% | 3,787 |
| Net interest margin | 2.9609% | 3,542 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.6216% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4326% | 1,253 |
| Return on assets (ROA) | 1.4357% | 1,234 |
| Pretax return on assets | 1.7965% | 1,015 |
| Return on Equity (ROE) | 20.7200% | 639 |
| Retained earnings to average equity (ytd only) | 14.8603% | 576 |
| Net charge-offs to loans | 0.0042% | 2,153 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,086.3333% | 130 |
| Efficiency ratio | 47.4948% | 4,093 |
| Assets per employee ($millions) | 8.4866% | 1,100 |
| Cash dividends to net income (ytd only)* | 28.2759% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,531 |
| Loan loss allowance to noncurrent loans | 82.5266% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5998% | 897 |
| Noncurrent loans to loans | 1.4324% | 482 |
| Net loans and leases to total assets | 39.9900% | 4,040 |
| Net loans and leases to deposits | 47.4216% | 4,007 |
| Net loans and leases to core deposits | 51.6314% | 3,970 |
| Total domestic deposits to total assets | 84.3200% | 2,747 |
| Equity capital to assets | 7.2063% | 3,688 |
| Core capital (leverage) ratio | 10.1630% | 2,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9014% | 1,338 |
| Memoranda: | ||
| Average total assets | $363,586,000 | 2,155 |
| Average earning assets | $337,602,333 | 2,148 |
| Average equity | $25,194,667 | 2,515 |
| Average total loans | $143,562,667 | 2,737 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 4,276 |
| Cost of funding earning assets | 0.4631% | 3,799 |
| Net interest margin | 3.0298% | 3,526 |
| Noninterest income to average assets | 1.0300% | 549 |
| Noninterest expense to average assets | 1.6113% | 4,295 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7714% | 711 |
| Return on assets (ROA) | 1.7714% | 705 |
| Pretax return on assets | 2.2290% | 545 |
| Return on Equity (ROE) | 26.0700% | 359 |
| Retained earnings to average equity (ytd only) | 20.1531% | 368 |
| Net charge-offs to loans | 0.0112% | 1,526 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 511.5000% | 222 |
| Efficiency ratio | 41.9574% | 4,390 |
| Assets per employee ($millions) | 9.2841% | 844 |
| Cash dividends to net income (ytd only)* | 22.6937% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1880% | 2,619 |
| Loan loss allowance to noncurrent loans | 81.6874% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 878 |
| Noncurrent loans to loans | 1.4543% | 452 |
| Net loans and leases to total assets | 38.1700% | 4,108 |
| Net loans and leases to deposits | 46.6307% | 4,009 |
| Net loans and leases to core deposits | 49.7220% | 4,001 |
| Total domestic deposits to total assets | 81.8500% | 3,503 |
| Equity capital to assets | 6.9280% | 3,865 |
| Core capital (leverage) ratio | 9.6897% | 3,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3607% | 1,530 |
| Memoranda: | ||
| Average total assets | $367,160,000 | 2,167 |
| Average earning assets | $341,149,500 | 2,169 |
| Average equity | $24,949,000 | 2,551 |
| Average total loans | $143,228,000 | 2,772 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9224% | 4,221 |
| Cost of funding earning assets | 0.1743% | 3,962 |
| Net interest margin | 2.7481% | 3,980 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.5892% | 4,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0489% | 2,379 |
| Return on assets (ROA) | 1.0489% | 2,324 |
| Pretax return on assets | 1.3029% | 2,075 |
| Return on Equity (ROE) | 14.4200% | 1,428 |
| Retained earnings to average equity (ytd only) | 9.9897% | 1,153 |
| Net charge-offs to loans | 0.0021% | 2,455 |
| Credit loss provision to net charge-offs | 333.3333% | 860 |
| Earnings coverage of net charge-offs (x) | 1,629.3333% | 106 |
| Efficiency ratio | 54.8994% | 3,697 |
| Assets per employee ($millions) | 8.6418% | 1,042 |
| Cash dividends to net income (ytd only)* | 30.7359% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,309 |
| Loan loss allowance to noncurrent loans | 73.7823% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6756% | 728 |
| Noncurrent loans to loans | 1.6508% | 385 |
| Net loans and leases to total assets | 38.9200% | 4,101 |
| Net loans and leases to deposits | 47.0007% | 4,009 |
| Net loans and leases to core deposits | 49.6798% | 3,989 |
| Total domestic deposits to total assets | 82.8200% | 3,458 |
| Equity capital to assets | 6.6592% | 3,835 |
| Core capital (leverage) ratio | 10.5351% | 2,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2204% | 1,883 |
| Memoranda: | ||
| Average total assets | $374,406,800 | 2,124 |
| Average earning assets | $345,909,800 | 2,126 |
| Average equity | $27,228,000 | 2,468 |
| Average total loans | $140,833,200 | 2,716 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7915% | 4,205 |
| Cost of funding earning assets | 0.1431% | 3,911 |
| Net interest margin | 2.6484% | 4,026 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.5698% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9404% | 2,705 |
| Return on assets (ROA) | 0.9404% | 2,673 |
| Pretax return on assets | 1.1567% | 2,535 |
| Return on Equity (ROE) | 12.6700% | 1,816 |
| Retained earnings to average equity (ytd only) | 8.6831% | 1,761 |
| Net charge-offs to loans | -0.0048% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.5016% | 3,444 |
| Assets per employee ($millions) | 8.6908% | 994 |
| Cash dividends to net income (ytd only)* | 31.4919% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 2,372 |
| Loan loss allowance to noncurrent loans | 77.5366% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6433% | 820 |
| Noncurrent loans to loans | 1.5850% | 434 |
| Net loans and leases to total assets | 38.5300% | 4,126 |
| Net loans and leases to deposits | 45.8534% | 4,031 |
| Net loans and leases to core deposits | 48.4550% | 4,014 |
| Total domestic deposits to total assets | 84.0300% | 3,501 |
| Equity capital to assets | 5.8004% | 4,034 |
| Core capital (leverage) ratio | 9.8966% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9761% | 1,720 |
| Memoranda: | ||
| Average total assets | $377,269,750 | 2,124 |
| Average earning assets | $348,472,250 | 2,130 |
| Average equity | $27,992,500 | 2,464 |
| Average total loans | $140,287,000 | 2,728 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6585% | 4,205 |
| Cost of funding earning assets | 0.1443% | 3,645 |
| Net interest margin | 2.5141% | 4,069 |
| Noninterest income to average assets | 0.2654% | 3,587 |
| Noninterest expense to average assets | 1.5796% | 4,329 |
| Loan and lease loss provision to assets | 0.0052% | 2,510 |
| Net operating income to assets | 0.8218% | 2,882 |
| Return on assets (ROA) | 0.8218% | 2,854 |
| Pretax return on assets | 1.0012% | 2,728 |
| Return on Equity (ROE) | 10.3549% | 2,203 |
| Retained earnings to average equity (ytd only) | 7.5861% | 1,775 |
| Net charge-offs to loans | -0.0115% | 3,631 |
| Credit loss provision to net charge-offs | -125.0000% | 3,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0829% | 3,171 |
| Assets per employee ($millions) | 8.4600% | 1,083 |
| Cash dividends to net income (ytd only)* | 26.7390% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,456 |
| Loan loss allowance to noncurrent loans | 78.0151% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 858 |
| Noncurrent loans to loans | 1.5949% | 454 |
| Net loans and leases to total assets | 38.2471% | 4,158 |
| Net loans and leases to deposits | 45.2880% | 4,054 |
| Net loans and leases to core deposits | 47.9229% | 4,028 |
| Total domestic deposits to total assets | 84.4532% | 3,599 |
| Equity capital to assets | 6.3206% | 4,094 |
| Core capital (leverage) ratio | 9.3087% | 3,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5673% | 1,842 |
| Memoranda: | ||
| Average total assets | $381,355,667 | 2,121 |
| Average earning assets | $352,008,333 | 2,133 |
| Average equity | $30,266,000 | 2,405 |
| Average total loans | $139,584,000 | 2,755 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4713% | 4,306 |
| Cost of funding earning assets | 0.1481% | 3,527 |
| Net interest margin | 2.3232% | 4,200 |
| Noninterest income to average assets | 0.2450% | 3,673 |
| Noninterest expense to average assets | 1.5769% | 4,331 |
| Loan and lease loss provision to assets | 0.0103% | 2,141 |
| Net operating income to assets | 0.6685% | 3,166 |
| Return on assets (ROA) | 0.6685% | 3,151 |
| Pretax return on assets | 0.7966% | 3,117 |
| Return on Equity (ROE) | 7.6926% | 2,807 |
| Retained earnings to average equity (ytd only) | 7.1027% | 1,858 |
| Net charge-offs to loans | 0.0029% | 1,682 |
| Credit loss provision to net charge-offs | 1,000.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 787.0000% | 120 |
| Efficiency ratio | 66.1505% | 2,752 |
| Assets per employee ($millions) | 8.9702% | 928 |
| Cash dividends to net income (ytd only)* | 7.6687% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,568 |
| Loan loss allowance to noncurrent loans | 68.8240% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 875 |
| Noncurrent loans to loans | 1.8250% | 416 |
| Net loans and leases to total assets | 34.7385% | 4,272 |
| Net loans and leases to deposits | 43.3239% | 4,100 |
| Net loans and leases to core deposits | 45.7307% | 4,087 |
| Total domestic deposits to total assets | 80.1831% | 4,273 |
| Equity capital to assets | 7.7963% | 3,733 |
| Core capital (leverage) ratio | 8.4641% | 3,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8615% | 2,276 |
| Memoranda: | ||
| Average total assets | $390,144,000 | 2,096 |
| Average earning assets | $359,167,000 | 2,116 |
| Average equity | $33,902,500 | 2,289 |
| Average total loans | $138,932,000 | 2,760 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6913% | 4,318 |
| Cost of funding earning assets | 0.2101% | 3,367 |
| Net interest margin | 2.4812% | 4,214 |
| Noninterest income to average assets | 0.3842% | 3,138 |
| Noninterest expense to average assets | 1.5289% | 4,505 |
| Loan and lease loss provision to assets | 0.0399% | 2,245 |
| Net operating income to assets | 0.9257% | 2,957 |
| Return on assets (ROA) | 0.9257% | 3,021 |
| Pretax return on assets | 1.1436% | 2,839 |
| Return on Equity (ROE) | 9.4042% | 2,755 |
| Retained earnings to average equity (ytd only) | 5.2636% | 2,688 |
| Net charge-offs to loans | 0.0007% | 2,672 |
| Credit loss provision to net charge-offs | 15,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 4,454.0000% | 28 |
| Efficiency ratio | 56.3676% | 3,661 |
| Assets per employee ($millions) | 8.2042% | 1,217 |
| Cash dividends to net income (ytd only)* | 44.0299% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,631 |
| Loan loss allowance to noncurrent loans | 63.7165% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 855 |
| Noncurrent loans to loans | 1.9588% | 403 |
| Net loans and leases to total assets | 35.6007% | 4,306 |
| Net loans and leases to deposits | 44.9922% | 4,139 |
| Net loans and leases to core deposits | 47.7029% | 4,106 |
| Total domestic deposits to total assets | 79.1265% | 4,305 |
| Equity capital to assets | 9.6043% | 3,042 |
| Core capital (leverage) ratio | 8.2292% | 4,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3045% | 2,123 |
| Memoranda: | ||
| Average total assets | $376,351,800 | 2,079 |
| Average earning assets | $353,135,400 | 2,068 |
| Average equity | $37,047,200 | 2,199 |
| Average total loans | $142,259,200 | 2,702 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 4,378 |
| Cost of funding earning assets | 0.2246% | 3,378 |
| Net interest margin | 2.5062% | 4,264 |
| Noninterest income to average assets | 0.4327% | 2,915 |
| Noninterest expense to average assets | 1.4925% | 4,599 |
| Loan and lease loss provision to assets | 0.0334% | 2,329 |
| Net operating income to assets | 1.0177% | 2,843 |
| Return on assets (ROA) | 1.0177% | 2,905 |
| Pretax return on assets | 1.2694% | 2,706 |
| Return on Equity (ROE) | 10.2740% | 2,635 |
| Retained earnings to average equity (ytd only) | 7.4095% | 2,268 |
| Net charge-offs to loans | 0.0019% | 2,335 |
| Credit loss provision to net charge-offs | 4,700.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 1,827.5000% | 78 |
| Efficiency ratio | 53.3920% | 3,886 |
| Assets per employee ($millions) | 8.1210% | 1,223 |
| Cash dividends to net income (ytd only)* | 27.8809% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 3,066 |
| Loan loss allowance to noncurrent loans | 58.4262% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 930 |
| Noncurrent loans to loans | 2.0239% | 431 |
| Net loans and leases to total assets | 36.7378% | 4,353 |
| Net loans and leases to deposits | 47.4175% | 4,151 |
| Net loans and leases to core deposits | 49.5777% | 4,165 |
| Total domestic deposits to total assets | 77.4773% | 4,464 |
| Equity capital to assets | 9.9194% | 2,980 |
| Core capital (leverage) ratio | 8.4299% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6435% | 2,486 |
| Memoranda: | ||
| Average total assets | $374,040,000 | 2,111 |
| Average earning assets | $352,611,000 | 2,090 |
| Average equity | $37,050,500 | 2,227 |
| Average total loans | $143,071,250 | 2,733 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6704% | 4,488 |
| Cost of funding earning assets | 0.2412% | 3,361 |
| Net interest margin | 2.4292% | 4,394 |
| Noninterest income to average assets | 0.4700% | 2,755 |
| Noninterest expense to average assets | 1.4595% | 4,665 |
| Loan and lease loss provision to assets | 0.0339% | 2,305 |
| Net operating income to assets | 1.0159% | 2,842 |
| Return on assets (ROA) | 1.0159% | 2,920 |
| Pretax return on assets | 1.2646% | 2,728 |
| Return on Equity (ROE) | 10.2609% | 2,660 |
| Retained earnings to average equity (ytd only) | 7.9390% | 2,096 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9182% | 3,938 |
| Assets per employee ($millions) | 8.2086% | 1,114 |
| Cash dividends to net income (ytd only)* | 22.6285% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,219 |
| Loan loss allowance to noncurrent loans | 56.1649% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 0.7846% | 1,037 |
| Noncurrent loans to loans | 2.0385% | 472 |
| Net loans and leases to total assets | 36.9041% | 4,429 |
| Net loans and leases to deposits | 48.8910% | 4,168 |
| Net loans and leases to core deposits | 51.2251% | 4,174 |
| Total domestic deposits to total assets | 75.4824% | 4,590 |
| Equity capital to assets | 9.6331% | 3,214 |
| Core capital (leverage) ratio | 8.3579% | 4,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6178% | 2,508 |
| Memoranda: | ||
| Average total assets | $371,491,333 | 2,111 |
| Average earning assets | $349,914,000 | 2,091 |
| Average equity | $36,780,333 | 2,231 |
| Average total loans | $143,461,333 | 2,748 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7833% | 4,389 |
| Cost of funding earning assets | 0.2672% | 3,303 |
| Net interest margin | 2.5161% | 4,273 |
| Noninterest income to average assets | 0.5830% | 2,282 |
| Noninterest expense to average assets | 1.2955% | 4,824 |
| Loan and lease loss provision to assets | 0.0340% | 2,324 |
| Net operating income to assets | 1.2747% | 1,904 |
| Return on assets (ROA) | 1.2747% | 1,982 |
| Pretax return on assets | 1.6205% | 1,669 |
| Return on Equity (ROE) | 12.6927% | 1,756 |
| Retained earnings to average equity (ytd only) | 8.0245% | 2,224 |
| Net charge-offs to loans | 0.0028% | 1,822 |
| Credit loss provision to net charge-offs | 3,100.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 1,507.0000% | 57 |
| Efficiency ratio | 43.9151% | 4,583 |
| Assets per employee ($millions) | 8.0004% | 1,198 |
| Cash dividends to net income (ytd only)* | 36.7786% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,328 |
| Loan loss allowance to noncurrent loans | 61.1805% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 1,204 |
| Noncurrent loans to loans | 1.8346% | 620 |
| Net loans and leases to total assets | 37.8839% | 4,424 |
| Net loans and leases to deposits | 49.1602% | 4,215 |
| Net loans and leases to core deposits | 51.6026% | 4,214 |
| Total domestic deposits to total assets | 77.0622% | 4,511 |
| Equity capital to assets | 9.6477% | 3,054 |
| Core capital (leverage) ratio | 8.5009% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9229% | 2,695 |
| Memoranda: | ||
| Average total assets | $364,334,500 | 2,126 |
| Average earning assets | $342,752,500 | 2,114 |
| Average equity | $36,588,000 | 2,226 |
| Average total loans | $143,178,500 | 2,756 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1113% | 4,558 |
| Cost of funding earning assets | 0.4446% | 3,315 |
| Net interest margin | 2.6667% | 4,424 |
| Noninterest income to average assets | 0.5065% | 2,605 |
| Noninterest expense to average assets | 2.1162% | 3,898 |
| Loan and lease loss provision to assets | 0.0609% | 3,609 |
| Net operating income to assets | 0.7042% | 3,422 |
| Return on assets (ROA) | 0.7165% | 3,507 |
| Pretax return on assets | 0.8380% | 3,539 |
| Return on Equity (ROE) | 6.7971% | 3,282 |
| Retained earnings to average equity (ytd only) | 3.4303% | 3,111 |
| Net charge-offs to loans | 0.0423% | 2,215 |
| Credit loss provision to net charge-offs | 333.3333% | 1,621 |
| Earnings coverage of net charge-offs (x) | 48.4333% | 1,231 |
| Efficiency ratio | 70.5214% | 1,878 |
| Assets per employee ($millions) | 7.5032% | 1,282 |
| Cash dividends to net income (ytd only)* | 49.5327% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 3,390 |
| Loan loss allowance to noncurrent loans | 54.5017% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.8640% | 1,161 |
| Noncurrent loans to loans | 2.0451% | 552 |
| Net loans and leases to total assets | 39.8988% | 4,445 |
| Net loans and leases to deposits | 52.1824% | 4,207 |
| Net loans and leases to core deposits | 54.9735% | 4,208 |
| Total domestic deposits to total assets | 76.4604% | 4,473 |
| Equity capital to assets | 10.4633% | 2,704 |
| Core capital (leverage) ratio | 8.6610% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1936% | 2,555 |
| Memoranda: | ||
| Average total assets | $328,520,800 | 2,143 |
| Average earning assets | $307,267,600 | 2,132 |
| Average equity | $34,632,400 | 2,246 |
| Average total loans | $141,904,000 | 2,729 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1867% | 4,605 |
| Cost of funding earning assets | 0.4764% | 3,384 |
| Net interest margin | 2.7103% | 4,453 |
| Noninterest income to average assets | 0.4895% | 2,653 |
| Noninterest expense to average assets | 2.2694% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6541% | 3,615 |
| Return on assets (ROA) | 0.6710% | 3,669 |
| Pretax return on assets | 0.7727% | 3,722 |
| Return on Equity (ROE) | 6.3523% | 3,425 |
| Retained earnings to average equity (ytd only) | 2.9198% | 3,554 |
| Net charge-offs to loans | 0.0009% | 3,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1,822.0000% | 60 |
| Efficiency ratio | 75.0786% | 1,292 |
| Assets per employee ($millions) | 7.2848% | 1,332 |
| Cash dividends to net income (ytd only)* | 54.0357% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,695 |
| Loan loss allowance to noncurrent loans | 51.0962% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 1,374 |
| Noncurrent loans to loans | 1.9624% | 622 |
| Net loans and leases to total assets | 41.6671% | 4,512 |
| Net loans and leases to deposits | 54.6964% | 4,311 |
| Net loans and leases to core deposits | 58.1973% | 4,295 |
| Total domestic deposits to total assets | 76.1789% | 4,408 |
| Equity capital to assets | 10.5831% | 2,717 |
| Core capital (leverage) ratio | 10.6536% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2724% | 2,505 |
| Memoranda: | ||
| Average total assets | $322,488,000 | 2,155 |
| Average earning assets | $301,412,500 | 2,141 |
| Average equity | $34,065,750 | 2,273 |
| Average total loans | $141,807,500 | 2,736 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2414% | 4,692 |
| Cost of funding earning assets | 0.5026% | 3,518 |
| Net interest margin | 2.7387% | 4,520 |
| Noninterest income to average assets | 0.4084% | 3,027 |
| Noninterest expense to average assets | 2.5518% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4014% | 4,230 |
| Return on assets (ROA) | 0.4306% | 4,232 |
| Pretax return on assets | 0.4394% | 4,351 |
| Return on Equity (ROE) | 4.0789% | 4,076 |
| Retained earnings to average equity (ytd only) | 1.1457% | 4,057 |
| Net charge-offs to loans | 0.0014% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 647.0000% | 156 |
| Efficiency ratio | 86.1663% | 529 |
| Assets per employee ($millions) | 7.2094% | 1,326 |
| Cash dividends to net income (ytd only)* | 71.9118% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 3,635 |
| Loan loss allowance to noncurrent loans | 51.5152% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 1,410 |
| Noncurrent loans to loans | 1.9173% | 716 |
| Net loans and leases to total assets | 42.7497% | 4,507 |
| Net loans and leases to deposits | 55.2318% | 4,324 |
| Net loans and leases to core deposits | 58.5154% | 4,329 |
| Total domestic deposits to total assets | 77.4005% | 4,262 |
| Equity capital to assets | 10.4424% | 2,796 |
| Core capital (leverage) ratio | 7.2342% | 4,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1338% | 2,555 |
| Memoranda: | ||
| Average total assets | $315,855,667 | 2,170 |
| Average earning assets | $294,443,333 | 2,158 |
| Average equity | $33,342,667 | 2,302 |
| Average total loans | $141,041,000 | 2,737 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 4,682 |
| Cost of funding earning assets | 0.5459% | 3,714 |
| Net interest margin | 2.9091% | 4,422 |
| Noninterest income to average assets | 0.3259% | 3,568 |
| Noninterest expense to average assets | 2.4852% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5005% | 3,892 |
| Return on assets (ROA) | 0.5283% | 3,877 |
| Pretax return on assets | 0.5743% | 3,969 |
| Return on Equity (ROE) | 4.9749% | 3,643 |
| Retained earnings to average equity (ytd only) | 0.1980% | 3,944 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0390% | 971 |
| Assets per employee ($millions) | 6.4399% | 1,377 |
| Cash dividends to net income (ytd only)* | 96.0199% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,418 |
| Loan loss allowance to noncurrent loans | 48.7525% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 1.0229% | 1,283 |
| Noncurrent loans to loans | 2.1651% | 620 |
| Net loans and leases to total assets | 44.7827% | 4,479 |
| Net loans and leases to deposits | 54.7200% | 4,412 |
| Net loans and leases to core deposits | 57.7317% | 4,443 |
| Total domestic deposits to total assets | 81.8397% | 3,459 |
| Equity capital to assets | 10.3896% | 3,430 |
| Core capital (leverage) ratio | 8.9857% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9639% | 1,918 |
| Memoranda: | ||
| Average total assets | $304,363,500 | 2,180 |
| Average earning assets | $282,839,500 | 2,185 |
| Average equity | $32,322,500 | 2,339 |
| Average total loans | $138,412,500 | 2,738 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 4,939 |
| Cost of funding earning assets | 0.5297% | 3,971 |
| Net interest margin | 2.8174% | 4,746 |
| Noninterest income to average assets | 0.2696% | 4,066 |
| Noninterest expense to average assets | 1.6941% | 4,873 |
| Loan and lease loss provision to assets | 0.0792% | 2,411 |
| Net operating income to assets | 0.9537% | 3,003 |
| Return on assets (ROA) | 0.9589% | 3,071 |
| Pretax return on assets | 1.1497% | 3,012 |
| Return on Equity (ROE) | 8.8231% | 2,834 |
| Retained earnings to average equity (ytd only) | -6.8814% | 5,028 |
| Net charge-offs to loans | 0.0123% | 3,250 |
| Credit loss provision to net charge-offs | 1,333.3333% | 258 |
| Earnings coverage of net charge-offs (x) | 205.8667% | 392 |
| Efficiency ratio | 58.0833% | 3,951 |
| Assets per employee ($millions) | 6.1210% | 1,545 |
| Cash dividends to net income (ytd only)* | 177.9934% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,300 |
| Loan loss allowance to noncurrent loans | 42.7305% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 1.1482% | 1,041 |
| Noncurrent loans to loans | 2.4200% | 463 |
| Net loans and leases to total assets | 45.2168% | 4,550 |
| Net loans and leases to deposits | 55.8970% | 4,459 |
| Net loans and leases to core deposits | 58.8501% | 4,489 |
| Total domestic deposits to total assets | 80.8930% | 3,793 |
| Equity capital to assets | 10.8472% | 3,139 |
| Core capital (leverage) ratio | 11.5180% | 2,099 |
| Tier 1 risk-based capital ratio | 13.3900% | 3,586 |
| Total risk-based capital ratio | 14.0710% | 3,774 |
| Memoranda: | ||
| Average total assets | $252,579,000 | 2,441 |
| Average earning assets | $237,308,000 | 2,425 |
| Average equity | $27,450,800 | 2,535 |
| Average total loans | $122,363,600 | 2,920 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 4,947 |
| Cost of funding earning assets | 0.5417% | 3,977 |
| Net interest margin | 2.9761% | 4,655 |
| Noninterest income to average assets | 0.2709% | 4,120 |
| Noninterest expense to average assets | 1.8115% | 4,803 |
| Loan and lease loss provision to assets | 0.1115% | 1,754 |
| Net operating income to assets | 0.9554% | 3,147 |
| Return on assets (ROA) | 0.9559% | 3,223 |
| Pretax return on assets | 1.1599% | 3,103 |
| Return on Equity (ROE) | 8.7899% | 2,966 |
| Retained earnings to average equity (ytd only) | 3.5672% | 3,620 |
| Net charge-offs to loans | 0.0023% | 3,358 |
| Credit loss provision to net charge-offs | 10,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 1,138.5468% | 76 |
| Efficiency ratio | 58.7703% | 3,829 |
| Assets per employee ($millions) | 7.5337% | 832 |
| Cash dividends to net income (ytd only)* | 59.4168% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3067% | 1,938 |
| Loan loss allowance to noncurrent loans | 78.7797% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 1,612 |
| Noncurrent loans to loans | 1.6587% | 884 |
| Net loans and leases to total assets | 47.1830% | 4,538 |
| Net loans and leases to deposits | 60.6118% | 4,357 |
| Net loans and leases to core deposits | 64.9105% | 4,331 |
| Total domestic deposits to total assets | 77.8446% | 4,372 |
| Equity capital to assets | 11.7609% | 2,445 |
| Core capital (leverage) ratio | 10.8725% | 2,769 |
| Tier 1 risk-based capital ratio | 15.4435% | 2,655 |
| Total risk-based capital ratio | 16.3080% | 2,749 |
| Memoranda: | ||
| Average total assets | $239,211,250 | 2,549 |
| Average earning assets | $225,969,750 | 2,517 |
| Average equity | $26,014,000 | 2,644 |
| Average total loans | $117,996,500 | 2,994 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 4,991 |
| Cost of funding earning assets | 0.5071% | 4,088 |
| Net interest margin | 3.0161% | 4,658 |
| Noninterest income to average assets | 0.2472% | 4,272 |
| Noninterest expense to average assets | 1.8407% | 4,826 |
| Loan and lease loss provision to assets | 0.1659% | 1,096 |
| Net operating income to assets | 0.9010% | 3,277 |
| Return on assets (ROA) | 0.9017% | 3,346 |
| Pretax return on assets | 1.0883% | 3,270 |
| Return on Equity (ROE) | 8.5156% | 3,056 |
| Retained earnings to average equity (ytd only) | 2.4834% | 3,949 |
| Net charge-offs to loans | -0.0017% | 3,930 |
| Credit loss provision to net charge-offs | -20,000.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4906% | 3,798 |
| Assets per employee ($millions) | 7.3454% | 870 |
| Cash dividends to net income (ytd only)* | 70.8372% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 2,305 |
| Loan loss allowance to noncurrent loans | 79.4997% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 1,740 |
| Noncurrent loans to loans | 1.5598% | 981 |
| Net loans and leases to total assets | 48.0352% | 4,570 |
| Net loans and leases to deposits | 63.6697% | 4,243 |
| Net loans and leases to core deposits | 69.0503% | 4,150 |
| Total domestic deposits to total assets | 75.4444% | 4,733 |
| Equity capital to assets | 11.0166% | 3,029 |
| Core capital (leverage) ratio | 10.7004% | 2,893 |
| Tier 1 risk-based capital ratio | 14.7085% | 2,958 |
| Total risk-based capital ratio | 15.5457% | 3,087 |
| Memoranda: | ||
| Average total assets | $241,099,670 | 2,545 |
| Average earning assets | $227,575,000 | 2,521 |
| Average equity | $25,529,670 | 2,671 |
| Average total loans | $120,111,000 | 2,989 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 5,032 |
| Cost of funding earning assets | 0.4454% | 4,311 |
| Net interest margin | 3.0737% | 4,633 |
| Noninterest income to average assets | 0.2395% | 4,289 |
| Noninterest expense to average assets | 1.8632% | 4,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0380% | 2,701 |
| Return on assets (ROA) | 1.0380% | 2,744 |
| Pretax return on assets | 1.2809% | 2,527 |
| Return on Equity (ROE) | 10.0070% | 2,370 |
| Retained earnings to average equity (ytd only) | 3.8489% | 3,380 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2593% | 3,916 |
| Assets per employee ($millions) | 7.2252% | 905 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,423 |
| Loan loss allowance to noncurrent loans | 77.1254% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 1,904 |
| Noncurrent loans to loans | 1.3574% | 1,197 |
| Net loans and leases to total assets | 49.9904% | 4,472 |
| Net loans and leases to deposits | 65.2087% | 4,112 |
| Net loans and leases to core deposits | 70.4080% | 4,065 |
| Total domestic deposits to total assets | 76.6621% | 4,688 |
| Equity capital to assets | 10.6668% | 3,189 |
| Core capital (leverage) ratio | 10.6768% | 2,866 |
| Tier 1 risk-based capital ratio | 14.6896% | 3,011 |
| Total risk-based capital ratio | 15.4129% | 3,187 |
| Memoranda: | ||
| Average total assets | $240,451,000 | 2,581 |
| Average earning assets | $227,218,500 | 2,537 |
| Average equity | $24,942,500 | 2,721 |
| Average total loans | $121,217,500 | 3,009 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3669% | 5,035 |
| Cost of funding earning assets | 0.3186% | 4,475 |
| Net interest margin | 3.0483% | 4,735 |
| Noninterest income to average assets | 0.2566% | 4,394 |
| Noninterest expense to average assets | 1.8687% | 4,937 |
| Loan and lease loss provision to assets | 0.0834% | 2,465 |
| Net operating income to assets | 0.9750% | 3,118 |
| Return on assets (ROA) | 0.9809% | 3,093 |
| Pretax return on assets | 1.1816% | 2,956 |
| Return on Equity (ROE) | 9.8186% | 2,593 |
| Retained earnings to average equity (ytd only) | 3.6000% | 3,605 |
| Net charge-offs to loans | 0.1025% | 1,732 |
| Credit loss provision to net charge-offs | 169.4915% | 1,643 |
| Earnings coverage of net charge-offs (x) | 25.5508% | 1,767 |
| Efficiency ratio | 59.7678% | 3,900 |
| Assets per employee ($millions) | 6.9277% | 1,008 |
| Cash dividends to net income (ytd only)* | 63.3348% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,482 |
| Loan loss allowance to noncurrent loans | 78.7633% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 1,951 |
| Noncurrent loans to loans | 1.3125% | 1,198 |
| Net loans and leases to total assets | 49.7876% | 4,538 |
| Net loans and leases to deposits | 65.8467% | 4,131 |
| Net loans and leases to core deposits | 70.3439% | 4,100 |
| Total domestic deposits to total assets | 75.6114% | 4,793 |
| Equity capital to assets | 10.0845% | 3,593 |
| Core capital (leverage) ratio | 10.3605% | 3,190 |
| Tier 1 risk-based capital ratio | 14.0111% | 3,285 |
| Total risk-based capital ratio | 14.7076% | 3,476 |
| Memoranda: | ||
| Average total assets | $239,684,400 | 2,551 |
| Average earning assets | $225,669,800 | 2,518 |
| Average equity | $23,944,400 | 2,735 |
| Average total loans | $115,125,000 | 3,057 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,111 |
| Cost of funding earning assets | 0.2910% | 4,584 |
| Net interest margin | 3.0244% | 4,815 |
| Noninterest income to average assets | 0.2683% | 4,356 |
| Noninterest expense to average assets | 1.9013% | 4,900 |
| Loan and lease loss provision to assets | 0.1116% | 1,815 |
| Net operating income to assets | 0.9066% | 3,497 |
| Return on assets (ROA) | 0.9144% | 3,465 |
| Pretax return on assets | 1.1119% | 3,349 |
| Return on Equity (ROE) | 9.1751% | 3,009 |
| Retained earnings to average equity (ytd only) | 2.9949% | 4,239 |
| Net charge-offs to loans | 0.1187% | 1,320 |
| Credit loss provision to net charge-offs | 198.0198% | 1,396 |
| Earnings coverage of net charge-offs (x) | 21.5451% | 1,917 |
| Efficiency ratio | 61.0315% | 3,657 |
| Assets per employee ($millions) | 6.8801% | 987 |
| Cash dividends to net income (ytd only)* | 67.3580% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,338 |
| Loan loss allowance to noncurrent loans | 67.8173% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 1,782 |
| Noncurrent loans to loans | 1.5819% | 1,007 |
| Net loans and leases to total assets | 48.9018% | 4,671 |
| Net loans and leases to deposits | 65.9061% | 4,207 |
| Net loans and leases to core deposits | 69.3872% | 4,226 |
| Total domestic deposits to total assets | 74.1992% | 4,959 |
| Equity capital to assets | 9.7831% | 3,838 |
| Core capital (leverage) ratio | 10.4408% | 3,139 |
| Tier 1 risk-based capital ratio | 14.2274% | 3,256 |
| Total risk-based capital ratio | 14.9529% | 3,431 |
| Memoranda: | ||
| Average total assets | $238,988,000 | 2,565 |
| Average earning assets | $224,966,500 | 2,537 |
| Average equity | $23,817,500 | 2,757 |
| Average total loans | $113,411,000 | 3,115 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 5,149 |
| Cost of funding earning assets | 0.2623% | 4,683 |
| Net interest margin | 3.0214% | 4,845 |
| Noninterest income to average assets | 0.2668% | 4,400 |
| Noninterest expense to average assets | 1.9238% | 4,927 |
| Loan and lease loss provision to assets | 0.1678% | 1,099 |
| Net operating income to assets | 0.8482% | 3,686 |
| Return on assets (ROA) | 0.8482% | 3,686 |
| Pretax return on assets | 1.0160% | 3,617 |
| Return on Equity (ROE) | 8.4588% | 3,285 |
| Retained earnings to average equity (ytd only) | 2.4431% | 4,283 |
| Net charge-offs to loans | 0.1829% | 859 |
| Credit loss provision to net charge-offs | 196.0784% | 1,326 |
| Earnings coverage of net charge-offs (x) | 13.8333% | 2,131 |
| Efficiency ratio | 61.9060% | 3,633 |
| Assets per employee ($millions) | 6.3588% | 1,234 |
| Cash dividends to net income (ytd only)* | 71.1177% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 3,300 |
| Loan loss allowance to noncurrent loans | 65.0204% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.8858% | 1,699 |
| Noncurrent loans to loans | 1.6829% | 946 |
| Net loans and leases to total assets | 49.0588% | 4,655 |
| Net loans and leases to deposits | 65.6568% | 4,184 |
| Net loans and leases to core deposits | 69.2626% | 4,187 |
| Total domestic deposits to total assets | 74.7200% | 4,975 |
| Equity capital to assets | 10.0656% | 3,562 |
| Core capital (leverage) ratio | 10.4239% | 3,110 |
| Tier 1 risk-based capital ratio | 14.1036% | 3,315 |
| Total risk-based capital ratio | 14.8299% | 3,486 |
| Memoranda: | ||
| Average total assets | $238,383,000 | 2,576 |
| Average earning assets | $224,133,330 | 2,558 |
| Average equity | $23,904,000 | 2,761 |
| Average total loans | $111,536,670 | 3,153 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2090% | 5,226 |
| Cost of funding earning assets | 0.2291% | 4,841 |
| Net interest margin | 2.9799% | 4,905 |
| Noninterest income to average assets | 0.2601% | 4,435 |
| Noninterest expense to average assets | 1.8655% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9753% | 2,965 |
| Return on assets (ROA) | 0.9753% | 2,992 |
| Pretax return on assets | 1.1920% | 2,785 |
| Return on Equity (ROE) | 9.7439% | 2,566 |
| Retained earnings to average equity (ytd only) | -2.2319% | 5,031 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0142% | 3,942 |
| Assets per employee ($millions) | 6.3413% | 1,288 |
| Cash dividends to net income (ytd only)* | 122.9060% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0564% | 3,620 |
| Loan loss allowance to noncurrent loans | 80.1496% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 2,309 |
| Noncurrent loans to loans | 1.3181% | 1,352 |
| Net loans and leases to total assets | 47.0637% | 4,751 |
| Net loans and leases to deposits | 61.0613% | 4,394 |
| Net loans and leases to core deposits | 64.3109% | 4,405 |
| Total domestic deposits to total assets | 77.0762% | 4,850 |
| Equity capital to assets | 9.9881% | 3,603 |
| Core capital (leverage) ratio | 10.1868% | 3,321 |
| Tier 1 risk-based capital ratio | 14.2923% | 3,230 |
| Total risk-based capital ratio | 14.9837% | 3,432 |
| Memoranda: | ||
| Average total assets | $239,936,000 | 2,584 |
| Average earning assets | $225,244,000 | 2,568 |
| Average equity | $24,015,000 | 2,773 |
| Average total loans | $108,954,500 | 3,211 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2518% | 5,130 |
| Cost of funding earning assets | 0.1926% | 5,003 |
| Net interest margin | 3.0593% | 4,772 |
| Noninterest income to average assets | 0.2658% | 4,538 |
| Noninterest expense to average assets | 1.7838% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0341% | 2,111 |
| Return on assets (ROA) | 1.0506% | 2,081 |
| Pretax return on assets | 1.3779% | 2,061 |
| Return on Equity (ROE) | 10.2799% | 1,776 |
| Retained earnings to average equity (ytd only) | 3.0604% | 3,472 |
| Net charge-offs to loans | 0.0323% | 3,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 98.8182% | 650 |
| Efficiency ratio | 56.8079% | 4,682 |
| Assets per employee ($millions) | 6.6282% | 1,135 |
| Cash dividends to net income (ytd only)* | 70.2296% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,300 |
| Loan loss allowance to noncurrent loans | 58.4531% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 1,793 |
| Noncurrent loans to loans | 1.8974% | 818 |
| Net loans and leases to total assets | 42.8661% | 5,040 |
| Net loans and leases to deposits | 56.4656% | 4,778 |
| Net loans and leases to core deposits | 59.4809% | 4,777 |
| Total domestic deposits to total assets | 75.9153% | 4,985 |
| Equity capital to assets | 10.0288% | 3,676 |
| Core capital (leverage) ratio | 10.2089% | 3,180 |
| Tier 1 risk-based capital ratio | 14.4149% | 3,130 |
| Total risk-based capital ratio | 15.1084% | 3,347 |
| Memoranda: | ||
| Average total assets | $240,443,000 | 2,561 |
| Average earning assets | $225,904,600 | 2,539 |
| Average equity | $24,572,200 | 2,704 |
| Average total loans | $102,113,400 | 3,313 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2871% | 5,125 |
| Cost of funding earning assets | 0.1889% | 5,061 |
| Net interest margin | 3.0981% | 4,719 |
| Noninterest income to average assets | 0.2675% | 4,595 |
| Noninterest expense to average assets | 1.7678% | 5,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0752% | 2,200 |
| Return on assets (ROA) | 1.0934% | 2,173 |
| Pretax return on assets | 1.4389% | 1,972 |
| Return on Equity (ROE) | 10.6484% | 1,847 |
| Retained earnings to average equity (ytd only) | 4.2442% | 3,376 |
| Net charge-offs to loans | -0.0053% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5419% | 4,788 |
| Assets per employee ($millions) | 6.6769% | 1,086 |
| Cash dividends to net income (ytd only)* | 60.1427% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,213 |
| Loan loss allowance to noncurrent loans | 76.1428% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,181 |
| Noncurrent loans to loans | 1.5069% | 1,240 |
| Net loans and leases to total assets | 43.5853% | 5,050 |
| Net loans and leases to deposits | 58.2627% | 4,741 |
| Net loans and leases to core deposits | 61.6084% | 4,735 |
| Total domestic deposits to total assets | 74.8082% | 5,149 |
| Equity capital to assets | 10.5026% | 3,376 |
| Core capital (leverage) ratio | 10.3639% | 3,119 |
| Tier 1 risk-based capital ratio | 14.8146% | 3,010 |
| Total risk-based capital ratio | 15.5488% | 3,201 |
| Memoranda: | ||
| Average total assets | $239,243,000 | 2,591 |
| Average earning assets | $225,118,000 | 2,567 |
| Average equity | $24,566,500 | 2,726 |
| Average total loans | $101,065,500 | 3,362 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 5,138 |
| Cost of funding earning assets | 0.1858% | 5,100 |
| Net interest margin | 3.0918% | 4,708 |
| Noninterest income to average assets | 0.2637% | 4,651 |
| Noninterest expense to average assets | 1.7650% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0860% | 2,053 |
| Return on assets (ROA) | 1.0860% | 2,102 |
| Pretax return on assets | 1.4108% | 1,979 |
| Return on Equity (ROE) | 10.6572% | 1,780 |
| Retained earnings to average equity (ytd only) | 4.1906% | 3,216 |
| Net charge-offs to loans | -0.0060% | 4,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5761% | 4,871 |
| Assets per employee ($millions) | 5.9824% | 1,477 |
| Cash dividends to net income (ytd only)* | 60.6785% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 3,227 |
| Loan loss allowance to noncurrent loans | 157.9974% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 3,644 |
| Noncurrent loans to loans | 0.7364% | 2,553 |
| Net loans and leases to total assets | 43.1294% | 5,093 |
| Net loans and leases to deposits | 58.1120% | 4,745 |
| Net loans and leases to core deposits | 61.3863% | 4,746 |
| Total domestic deposits to total assets | 74.2177% | 5,272 |
| Equity capital to assets | 10.5225% | 3,311 |
| Core capital (leverage) ratio | 10.1240% | 3,368 |
| Tier 1 risk-based capital ratio | 15.1937% | 2,842 |
| Total risk-based capital ratio | 15.9545% | 2,984 |
| Memoranda: | ||
| Average total assets | $238,868,000 | 2,598 |
| Average earning assets | $224,980,000 | 2,580 |
| Average equity | $24,340,330 | 2,745 |
| Average total loans | $99,427,000 | 3,407 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2724% | 5,144 |
| Cost of funding earning assets | 0.1767% | 5,179 |
| Net interest margin | 3.0957% | 4,660 |
| Noninterest income to average assets | 0.2464% | 4,771 |
| Noninterest expense to average assets | 1.7381% | 5,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0894% | 1,913 |
| Return on assets (ROA) | 1.0894% | 1,959 |
| Pretax return on assets | 1.4146% | 1,839 |
| Return on Equity (ROE) | 10.8693% | 1,614 |
| Retained earnings to average equity (ytd only) | 4.2976% | 3,281 |
| Net charge-offs to loans | -0.0165% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1302% | 5,028 |
| Assets per employee ($millions) | 6.6698% | 1,096 |
| Cash dividends to net income (ytd only)* | 60.4615% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 3,048 |
| Loan loss allowance to noncurrent loans | 180.1481% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 3,886 |
| Noncurrent loans to loans | 0.6743% | 2,828 |
| Net loans and leases to total assets | 41.1817% | 5,200 |
| Net loans and leases to deposits | 53.4520% | 4,968 |
| Net loans and leases to core deposits | 56.4298% | 4,957 |
| Total domestic deposits to total assets | 77.0442% | 5,106 |
| Equity capital to assets | 10.0598% | 3,682 |
| Core capital (leverage) ratio | 9.9133% | 3,610 |
| Tier 1 risk-based capital ratio | 14.8229% | 3,057 |
| Total risk-based capital ratio | 15.5735% | 3,221 |
| Memoranda: | ||
| Average total assets | $238,654,000 | 2,632 |
| Average earning assets | $224,056,000 | 2,605 |
| Average equity | $23,920,500 | 2,800 |
| Average total loans | $96,929,500 | 3,467 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1666% | 5,344 |
| Cost of funding earning assets | 0.1801% | 5,214 |
| Net interest margin | 2.9865% | 4,986 |
| Noninterest income to average assets | 0.2835% | 4,717 |
| Noninterest expense to average assets | 1.7666% | 5,506 |
| Loan and lease loss provision to assets | 0.1041% | 2,307 |
| Net operating income to assets | 0.9730% | 2,475 |
| Return on assets (ROA) | 1.0057% | 2,429 |
| Pretax return on assets | 1.2629% | 2,423 |
| Return on Equity (ROE) | 9.6784% | 2,117 |
| Retained earnings to average equity (ytd only) | 1.7987% | 4,501 |
| Net charge-offs to loans | -0.0075% | 4,874 |
| Credit loss provision to net charge-offs | -3,571.4286% | 5,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1198% | 4,943 |
| Assets per employee ($millions) | 6.2419% | 1,302 |
| Cash dividends to net income (ytd only)* | 81.4156% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 2,589 |
| Loan loss allowance to noncurrent loans | 177.1930% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 3,920 |
| Noncurrent loans to loans | 0.7295% | 2,704 |
| Net loans and leases to total assets | 39.0179% | 5,360 |
| Net loans and leases to deposits | 51.7222% | 5,135 |
| Net loans and leases to core deposits | 54.7061% | 5,117 |
| Total domestic deposits to total assets | 75.4374% | 5,305 |
| Equity capital to assets | 9.9859% | 3,739 |
| Core capital (leverage) ratio | 10.1497% | 3,306 |
| Tier 1 risk-based capital ratio | 14.6736% | 3,115 |
| Total risk-based capital ratio | 15.4223% | 3,293 |
| Memoranda: | ||
| Average total assets | $240,235,000 | 2,573 |
| Average earning assets | $225,984,200 | 2,545 |
| Average equity | $24,962,800 | 2,727 |
| Average total loans | $93,551,400 | 3,507 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 5,410 |
| Cost of funding earning assets | 0.1813% | 5,257 |
| Net interest margin | 2.9860% | 5,040 |
| Noninterest income to average assets | 0.2894% | 4,700 |
| Noninterest expense to average assets | 1.8014% | 5,516 |
| Loan and lease loss provision to assets | 0.1106% | 2,080 |
| Net operating income to assets | 0.9525% | 2,638 |
| Return on assets (ROA) | 0.9958% | 2,592 |
| Pretax return on assets | 1.2476% | 2,629 |
| Return on Equity (ROE) | 9.4927% | 2,277 |
| Retained earnings to average equity (ytd only) | 1.1919% | 5,032 |
| Net charge-offs to loans | -0.0086% | 4,729 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0082% | 4,811 |
| Assets per employee ($millions) | 6.5437% | 1,074 |
| Cash dividends to net income (ytd only)* | 87.4443% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 3,121 |
| Loan loss allowance to noncurrent loans | 265.6751% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 4,497 |
| Noncurrent loans to loans | 0.4591% | 3,639 |
| Net loans and leases to total assets | 39.9133% | 5,379 |
| Net loans and leases to deposits | 52.8337% | 5,164 |
| Net loans and leases to core deposits | 56.5744% | 5,116 |
| Total domestic deposits to total assets | 75.5452% | 5,284 |
| Equity capital to assets | 10.9049% | 3,121 |
| Core capital (leverage) ratio | 10.0297% | 3,534 |
| Tier 1 risk-based capital ratio | 14.4536% | 3,307 |
| Total risk-based capital ratio | 15.1666% | 3,526 |
| Memoranda: | ||
| Average total assets | $240,995,250 | 2,577 |
| Average earning assets | $227,278,250 | 2,545 |
| Average equity | $25,282,000 | 2,710 |
| Average total loans | $93,499,250 | 3,522 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1608% | 5,491 |
| Cost of funding earning assets | 0.1822% | 5,302 |
| Net interest margin | 2.9786% | 5,121 |
| Noninterest income to average assets | 0.2825% | 4,764 |
| Noninterest expense to average assets | 1.8064% | 5,589 |
| Loan and lease loss provision to assets | 0.0824% | 2,489 |
| Net operating income to assets | 0.9502% | 2,622 |
| Return on assets (ROA) | 1.0148% | 2,462 |
| Pretax return on assets | 1.2759% | 2,500 |
| Return on Equity (ROE) | 9.7986% | 2,137 |
| Retained earnings to average equity (ytd only) | 0.4136% | 5,176 |
| Net charge-offs to loans | -0.0108% | 4,721 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5737% | 4,830 |
| Assets per employee ($millions) | 6.2624% | 1,220 |
| Cash dividends to net income (ytd only)* | 95.7792% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1375% | 3,732 |
| Loan loss allowance to noncurrent loans | 236.6071% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 4,544 |
| Noncurrent loans to loans | 0.4807% | 3,647 |
| Net loans and leases to total assets | 38.7136% | 5,481 |
| Net loans and leases to deposits | 51.5644% | 5,267 |
| Net loans and leases to core deposits | 55.1008% | 5,218 |
| Total domestic deposits to total assets | 75.0783% | 5,401 |
| Equity capital to assets | 10.7832% | 3,306 |
| Core capital (leverage) ratio | 9.6709% | 3,971 |
| Tier 1 risk-based capital ratio | 13.3514% | 3,987 |
| Total risk-based capital ratio | 13.9572% | 4,285 |
| Memoranda: | ||
| Average total assets | $242,802,670 | 2,586 |
| Average earning assets | $228,358,670 | 2,553 |
| Average equity | $25,146,330 | 2,724 |
| Average total loans | $92,937,000 | 3,548 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1533% | 5,542 |
| Cost of funding earning assets | 0.1841% | 5,338 |
| Net interest margin | 2.9692% | 5,183 |
| Noninterest income to average assets | 0.2643% | 4,839 |
| Noninterest expense to average assets | 1.8286% | 5,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9577% | 2,472 |
| Return on assets (ROA) | 1.0799% | 2,091 |
| Pretax return on assets | 1.3816% | 1,956 |
| Return on Equity (ROE) | 10.6392% | 1,730 |
| Retained earnings to average equity (ytd only) | -2.0089% | 5,386 |
| Net charge-offs to loans | -0.0129% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8825% | 4,763 |
| Assets per employee ($millions) | 6.0565% | 1,370 |
| Cash dividends to net income (ytd only)* | 118.8822% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 4,378 |
| Loan loss allowance to noncurrent loans | 97.8550% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4426% | 3,818 |
| Noncurrent loans to loans | 1.0651% | 2,261 |
| Net loans and leases to total assets | 36.6307% | 5,607 |
| Net loans and leases to deposits | 49.1944% | 5,377 |
| Net loans and leases to core deposits | 53.0342% | 5,309 |
| Total domestic deposits to total assets | 74.4612% | 5,570 |
| Equity capital to assets | 10.0489% | 4,017 |
| Core capital (leverage) ratio | 9.4479% | 4,278 |
| Tier 1 risk-based capital ratio | 18.2289% | 1,925 |
| Total risk-based capital ratio | 18.9823% | 2,028 |
| Memoranda: | ||
| Average total assets | $245,217,500 | 2,579 |
| Average earning assets | $230,365,000 | 2,543 |
| Average equity | $24,889,000 | 2,754 |
| Average total loans | $92,811,500 | 3,558 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 5,292 |
| Cost of funding earning assets | 0.2111% | 5,182 |
| Net interest margin | 3.1204% | 4,854 |
| Noninterest income to average assets | 0.2965% | 4,761 |
| Noninterest expense to average assets | 1.9370% | 5,565 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0265% | 2,222 |
| Return on assets (ROA) | 1.0342% | 2,282 |
| Pretax return on assets | 1.2754% | 2,379 |
| Return on Equity (ROE) | 9.8063% | 2,083 |
| Retained earnings to average equity (ytd only) | 3.2947% | 3,702 |
| Net charge-offs to loans | 0.0163% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 195.2667% | 342 |
| Efficiency ratio | 60.4777% | 4,845 |
| Assets per employee ($millions) | 6.0530% | 1,348 |
| Cash dividends to net income (ytd only)* | 66.4020% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 4,492 |
| Loan loss allowance to noncurrent loans | 206.4935% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 4,634 |
| Noncurrent loans to loans | 0.4930% | 3,720 |
| Net loans and leases to total assets | 38.3080% | 5,608 |
| Net loans and leases to deposits | 51.0361% | 5,336 |
| Net loans and leases to core deposits | 55.2948% | 5,239 |
| Total domestic deposits to total assets | 75.0606% | 5,549 |
| Equity capital to assets | 10.2532% | 3,676 |
| Core capital (leverage) ratio | 9.8288% | 3,737 |
| Tier 1 risk-based capital ratio | 17.8702% | 2,001 |
| Total risk-based capital ratio | 18.6016% | 2,116 |
| Memoranda: | ||
| Average total assets | $231,386,400 | 2,650 |
| Average earning assets | $215,516,000 | 2,633 |
| Average equity | $24,402,800 | 2,744 |
| Average total loans | $91,794,200 | 3,552 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,304 |
| Cost of funding earning assets | 0.2165% | 5,220 |
| Net interest margin | 3.1384% | 4,850 |
| Noninterest income to average assets | 0.3142% | 4,695 |
| Noninterest expense to average assets | 1.9647% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0151% | 2,392 |
| Return on assets (ROA) | 1.0202% | 2,473 |
| Pretax return on assets | 1.2721% | 2,506 |
| Return on Equity (ROE) | 9.6031% | 2,265 |
| Retained earnings to average equity (ytd only) | 3.1882% | 4,194 |
| Net charge-offs to loans | 0.0175% | 3,599 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 180.9119% | 400 |
| Efficiency ratio | 60.8193% | 4,772 |
| Assets per employee ($millions) | 5.6351% | 1,653 |
| Cash dividends to net income (ytd only)* | 66.8000% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 4,609 |
| Loan loss allowance to noncurrent loans | 203.3970% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,817 |
| Noncurrent loans to loans | 0.5043% | 3,835 |
| Net loans and leases to total assets | 40.0078% | 5,591 |
| Net loans and leases to deposits | 52.3747% | 5,350 |
| Net loans and leases to core deposits | 56.3691% | 5,286 |
| Total domestic deposits to total assets | 76.3876% | 5,432 |
| Equity capital to assets | 10.5583% | 3,535 |
| Core capital (leverage) ratio | 10.0900% | 3,514 |
| Tier 1 risk-based capital ratio | 14.8402% | 3,374 |
| Total risk-based capital ratio | 15.4561% | 3,658 |
| Memoranda: | ||
| Average total assets | $228,703,250 | 2,693 |
| Average earning assets | $212,500,250 | 2,672 |
| Average equity | $24,297,250 | 2,774 |
| Average total loans | $91,316,500 | 3,598 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 5,301 |
| Cost of funding earning assets | 0.2189% | 5,265 |
| Net interest margin | 3.1479% | 4,834 |
| Noninterest income to average assets | 0.3027% | 4,790 |
| Noninterest expense to average assets | 1.9761% | 5,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9988% | 2,398 |
| Return on assets (ROA) | 1.0065% | 2,466 |
| Pretax return on assets | 1.2513% | 2,546 |
| Return on Equity (ROE) | 9.4539% | 2,320 |
| Retained earnings to average equity (ytd only) | 3.0332% | 4,112 |
| Net charge-offs to loans | 0.0022% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1,415.0000% | 42 |
| Efficiency ratio | 61.4126% | 4,771 |
| Assets per employee ($millions) | 5.6033% | 1,656 |
| Cash dividends to net income (ytd only)* | 67.9163% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0811% | 4,435 |
| Loan loss allowance to noncurrent loans | 178.7823% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 4,710 |
| Noncurrent loans to loans | 0.6047% | 3,654 |
| Net loans and leases to total assets | 39.5599% | 5,653 |
| Net loans and leases to deposits | 50.2183% | 5,493 |
| Net loans and leases to core deposits | 53.9124% | 5,425 |
| Total domestic deposits to total assets | 78.7758% | 5,143 |
| Equity capital to assets | 10.6514% | 3,270 |
| Core capital (leverage) ratio | 10.0142% | 3,573 |
| Tier 1 risk-based capital ratio | 16.7407% | 2,508 |
| Total risk-based capital ratio | 17.4500% | 2,707 |
| Memoranda: | ||
| Average total assets | $227,924,330 | 2,718 |
| Average earning assets | $211,060,000 | 2,705 |
| Average equity | $24,265,000 | 2,779 |
| Average total loans | $90,624,670 | 3,618 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3924% | 5,218 |
| Cost of funding earning assets | 0.2190% | 5,326 |
| Net interest margin | 3.1734% | 4,700 |
| Noninterest income to average assets | 0.2854% | 4,887 |
| Noninterest expense to average assets | 1.9633% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9959% | 2,287 |
| Return on assets (ROA) | 1.0112% | 2,347 |
| Pretax return on assets | 1.2671% | 2,395 |
| Return on Equity (ROE) | 9.5008% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.5008% | 1,042 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1382% | 4,942 |
| Assets per employee ($millions) | 5.9412% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 4,626 |
| Loan loss allowance to noncurrent loans | 172.9055% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 4,802 |
| Noncurrent loans to loans | 0.6232% | 3,711 |
| Net loans and leases to total assets | 38.4303% | 5,702 |
| Net loans and leases to deposits | 49.4442% | 5,493 |
| Net loans and leases to core deposits | 52.9006% | 5,431 |
| Total domestic deposits to total assets | 77.7245% | 5,496 |
| Equity capital to assets | 10.7100% | 3,311 |
| Core capital (leverage) ratio | 10.0036% | 3,592 |
| Tier 1 risk-based capital ratio | 16.5961% | 2,642 |
| Total risk-based capital ratio | 17.2935% | 2,834 |
| Memoranda: | ||
| Average total assets | $229,821,000 | 2,724 |
| Average earning assets | $211,883,000 | 2,712 |
| Average equity | $24,461,000 | 2,792 |
| Average total loans | $91,119,500 | 3,625 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5159% | 5,282 |
| Cost of funding earning assets | 0.2687% | 5,117 |
| Net interest margin | 3.2472% | 4,761 |
| Noninterest income to average assets | 0.2933% | 5,021 |
| Noninterest expense to average assets | 1.9919% | 5,777 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0335% | 2,249 |
| Return on assets (ROA) | 1.0556% | 2,207 |
| Pretax return on assets | 1.3274% | 2,151 |
| Return on Equity (ROE) | 10.4694% | 1,917 |
| Retained earnings to average equity (ytd only) | 2.9826% | 4,117 |
| Net charge-offs to loans | 0.0548% | 3,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 59.3000% | 803 |
| Efficiency ratio | 60.5140% | 5,146 |
| Assets per employee ($millions) | 5.5594% | 1,718 |
| Cash dividends to net income (ytd only)* | 71.5116% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 4,802 |
| Loan loss allowance to noncurrent loans | 157.4675% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 4,756 |
| Noncurrent loans to loans | 0.6679% | 3,678 |
| Net loans and leases to total assets | 40.0348% | 5,744 |
| Net loans and leases to deposits | 50.5562% | 5,556 |
| Net loans and leases to core deposits | 54.0810% | 5,499 |
| Total domestic deposits to total assets | 79.1887% | 5,207 |
| Equity capital to assets | 10.5759% | 3,393 |
| Core capital (leverage) ratio | 9.8643% | 3,756 |
| Tier 1 risk-based capital ratio | 18.2315% | 2,071 |
| Total risk-based capital ratio | 19.0184% | 2,179 |
| Memoranda: | ||
| Average total assets | $228,121,600 | 2,714 |
| Average earning assets | $210,641,000 | 2,701 |
| Average equity | $23,000,400 | 2,850 |
| Average total loans | $91,265,000 | 3,607 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 5,317 |
| Cost of funding earning assets | 0.2808% | 5,087 |
| Net interest margin | 3.2506% | 4,789 |
| Noninterest income to average assets | 0.2863% | 5,154 |
| Noninterest expense to average assets | 1.9669% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0482% | 2,241 |
| Return on assets (ROA) | 1.0699% | 2,222 |
| Pretax return on assets | 1.3504% | 2,194 |
| Return on Equity (ROE) | 10.7431% | 1,891 |
| Retained earnings to average equity (ytd only) | 2.9278% | 4,512 |
| Net charge-offs to loans | -0.0029% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7869% | 5,209 |
| Assets per employee ($millions) | 5.4122% | 1,806 |
| Cash dividends to net income (ytd only)* | 72.7474% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 4,653 |
| Loan loss allowance to noncurrent loans | 150.0734% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.3686% | 4,822 |
| Noncurrent loans to loans | 0.7473% | 3,732 |
| Net loans and leases to total assets | 40.6086% | 5,779 |
| Net loans and leases to deposits | 51.0810% | 5,580 |
| Net loans and leases to core deposits | 54.9093% | 5,509 |
| Total domestic deposits to total assets | 79.4983% | 5,222 |
| Equity capital to assets | 10.6557% | 3,365 |
| Core capital (leverage) ratio | 10.0201% | 3,653 |
| Tier 1 risk-based capital ratio | 18.1902% | 2,149 |
| Total risk-based capital ratio | 19.0245% | 2,252 |
| Memoranda: | ||
| Average total assets | $228,168,500 | 2,731 |
| Average earning assets | $210,829,250 | 2,723 |
| Average equity | $22,724,000 | 2,878 |
| Average total loans | $91,025,500 | 3,638 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 5,363 |
| Cost of funding earning assets | 0.2925% | 5,039 |
| Net interest margin | 3.2299% | 4,846 |
| Noninterest income to average assets | 0.2727% | 5,250 |
| Noninterest expense to average assets | 1.9535% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0257% | 2,220 |
| Return on assets (ROA) | 1.0579% | 2,167 |
| Pretax return on assets | 1.3333% | 2,138 |
| Return on Equity (ROE) | 10.8668% | 1,785 |
| Retained earnings to average equity (ytd only) | 3.7561% | 3,799 |
| Net charge-offs to loans | -0.0088% | 5,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1820% | 5,268 |
| Assets per employee ($millions) | 5.5642% | 1,640 |
| Cash dividends to net income (ytd only)* | 65.4351% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 4,732 |
| Loan loss allowance to noncurrent loans | 137.6851% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 4,745 |
| Noncurrent loans to loans | 0.8254% | 3,641 |
| Net loans and leases to total assets | 39.9872% | 5,818 |
| Net loans and leases to deposits | 49.6810% | 5,656 |
| Net loans and leases to core deposits | 53.8504% | 5,564 |
| Total domestic deposits to total assets | 80.4880% | 5,136 |
| Equity capital to assets | 10.5380% | 3,398 |
| Core capital (leverage) ratio | 9.6444% | 4,116 |
| Tier 1 risk-based capital ratio | 18.3543% | 2,113 |
| Total risk-based capital ratio | 19.1999% | 2,229 |
| Memoranda: | ||
| Average total assets | $230,258,330 | 2,727 |
| Average earning assets | $211,955,670 | 2,721 |
| Average equity | $22,417,000 | 2,903 |
| Average total loans | $90,990,000 | 3,665 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 5,342 |
| Cost of funding earning assets | 0.3013% | 5,052 |
| Net interest margin | 3.2317% | 4,811 |
| Noninterest income to average assets | 0.2563% | 5,305 |
| Noninterest expense to average assets | 1.9325% | 6,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0031% | 2,199 |
| Return on assets (ROA) | 1.0679% | 2,001 |
| Pretax return on assets | 1.3567% | 1,892 |
| Return on Equity (ROE) | 11.4163% | 1,565 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,747 |
| Net charge-offs to loans | -0.0087% | 5,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2557% | 5,362 |
| Assets per employee ($millions) | 5.9603% | 1,328 |
| Cash dividends to net income (ytd only)* | 65.4400% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,024 |
| Loan loss allowance to noncurrent loans | 124.0291% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 4,860 |
| Noncurrent loans to loans | 0.9036% | 3,623 |
| Net loans and leases to total assets | 37.8194% | 5,954 |
| Net loans and leases to deposits | 47.3638% | 5,770 |
| Net loans and leases to core deposits | 50.3966% | 5,733 |
| Total domestic deposits to total assets | 79.8487% | 5,517 |
| Equity capital to assets | 9.3720% | 4,665 |
| Core capital (leverage) ratio | 9.4084% | 4,411 |
| Tier 1 risk-based capital ratio | 16.7181% | 2,806 |
| Total risk-based capital ratio | 17.4947% | 2,994 |
| Memoranda: | ||
| Average total assets | $234,104,500 | 2,702 |
| Average earning assets | $213,757,000 | 2,711 |
| Average equity | $21,898,500 | 2,953 |
| Average total loans | $91,474,500 | 3,673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5228% | 5,595 |
| Cost of funding earning assets | 0.3988% | 4,670 |
| Net interest margin | 3.1240% | 5,243 |
| Noninterest income to average assets | 0.3712% | 4,659 |
| Noninterest expense to average assets | 1.9496% | 6,106 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0320% | 2,194 |
| Return on assets (ROA) | 1.0289% | 2,267 |
| Pretax return on assets | 1.2980% | 2,162 |
| Return on Equity (ROE) | 11.0179% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.7363% | 455 |
| Net charge-offs to loans | 0.0884% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 35.7952% | 1,042 |
| Efficiency ratio | 59.9596% | 5,476 |
| Assets per employee ($millions) | 5.7449% | 1,447 |
| Cash dividends to net income (ytd only)* | 2.5554% | 4,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 5,090 |
| Loan loss allowance to noncurrent loans | 137.4663% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 5,036 |
| Noncurrent loans to loans | 0.8086% | 3,951 |
| Net loans and leases to total assets | 39.4875% | 6,000 |
| Net loans and leases to deposits | 50.0414% | 5,765 |
| Net loans and leases to core deposits | 52.0815% | 5,795 |
| Total domestic deposits to total assets | 78.9096% | 5,671 |
| Equity capital to assets | 9.3356% | 4,646 |
| Core capital (leverage) ratio | 9.2941% | 4,561 |
| Tier 1 risk-based capital ratio | 17.3738% | 2,464 |
| Total risk-based capital ratio | 18.1873% | 2,596 |
| Memoranda: | ||
| Average total assets | $228,205,000 | 2,735 |
| Average earning assets | $210,400,000 | 2,717 |
| Average equity | $21,310,800 | 3,000 |
| Average total loans | $93,879,000 | 3,603 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4997% | 5,686 |
| Cost of funding earning assets | 0.4179% | 4,643 |
| Net interest margin | 3.0818% | 5,373 |
| Noninterest income to average assets | 0.3798% | 4,674 |
| Noninterest expense to average assets | 1.9361% | 6,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0196% | 2,296 |
| Return on assets (ROA) | 1.0155% | 2,403 |
| Pretax return on assets | 1.2917% | 2,363 |
| Return on Equity (ROE) | 10.8731% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.4971% | 686 |
| Net charge-offs to loans | 0.0127% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 246.2158% | 242 |
| Efficiency ratio | 59.8841% | 5,453 |
| Assets per employee ($millions) | 5.9190% | 1,297 |
| Cash dividends to net income (ytd only)* | 3.4583% | 3,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 4,762 |
| Loan loss allowance to noncurrent loans | 59.4242% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8677% | 3,942 |
| Noncurrent loans to loans | 2.0619% | 2,180 |
| Net loans and leases to total assets | 38.2047% | 6,164 |
| Net loans and leases to deposits | 46.9834% | 6,037 |
| Net loans and leases to core deposits | 48.8639% | 6,076 |
| Total domestic deposits to total assets | 81.3153% | 5,130 |
| Equity capital to assets | 8.9949% | 5,195 |
| Core capital (leverage) ratio | 9.4115% | 4,519 |
| Tier 1 risk-based capital ratio | 17.2293% | 2,618 |
| Total risk-based capital ratio | 18.1195% | 2,720 |
| Memoranda: | ||
| Average total assets | $227,807,000 | 2,763 |
| Average earning assets | $210,907,250 | 2,728 |
| Average equity | $21,275,250 | 3,046 |
| Average total loans | $94,408,500 | 3,612 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 5,626 |
| Cost of funding earning assets | 0.4401% | 4,542 |
| Net interest margin | 3.0912% | 5,292 |
| Noninterest income to average assets | 0.4030% | 4,501 |
| Noninterest expense to average assets | 1.9471% | 6,137 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0300% | 2,203 |
| Return on assets (ROA) | 1.0238% | 2,345 |
| Pretax return on assets | 1.3157% | 2,248 |
| Return on Equity (ROE) | 10.8274% | 1,871 |
| Retained earnings to average equity (ytd only) | 10.8274% | 677 |
| Net charge-offs to loans | 0.0291% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 107.2143% | 443 |
| Efficiency ratio | 59.5309% | 5,539 |
| Assets per employee ($millions) | 5.3988% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,250 |
| Loan loss allowance to noncurrent loans | 86.0190% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 4,615 |
| Noncurrent loans to loans | 1.3357% | 3,322 |
| Net loans and leases to total assets | 42.3273% | 5,876 |
| Net loans and leases to deposits | 52.6499% | 5,632 |
| Net loans and leases to core deposits | 54.9581% | 5,677 |
| Total domestic deposits to total assets | 80.3940% | 5,510 |
| Equity capital to assets | 9.4145% | 4,698 |
| Core capital (leverage) ratio | 8.9985% | 4,990 |
| Tier 1 risk-based capital ratio | 16.5552% | 2,915 |
| Total risk-based capital ratio | 17.4277% | 3,053 |
| Memoranda: | ||
| Average total assets | $226,795,670 | 2,775 |
| Average earning assets | $210,400,330 | 2,738 |
| Average equity | $21,445,670 | 3,040 |
| Average total loans | $96,116,000 | 3,585 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 5,634 |
| Cost of funding earning assets | 0.4634% | 4,446 |
| Net interest margin | 3.0661% | 5,383 |
| Noninterest income to average assets | 0.3730% | 4,688 |
| Noninterest expense to average assets | 1.9153% | 6,257 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9882% | 2,278 |
| Return on assets (ROA) | 0.9882% | 2,399 |
| Pretax return on assets | 1.2827% | 2,286 |
| Return on Equity (ROE) | 10.4281% | 1,904 |
| Retained earnings to average equity (ytd only) | 10.4281% | 999 |
| Net charge-offs to loans | -0.0207% | 5,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8910% | 5,601 |
| Assets per employee ($millions) | 5.9968% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,391 |
| Loan loss allowance to noncurrent loans | 62.0593% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 4,399 |
| Noncurrent loans to loans | 1.8586% | 2,787 |
| Net loans and leases to total assets | 40.6367% | 5,945 |
| Net loans and leases to deposits | 50.8619% | 5,722 |
| Net loans and leases to core deposits | 53.1336% | 5,740 |
| Total domestic deposits to total assets | 79.8961% | 5,777 |
| Equity capital to assets | 9.3259% | 5,097 |
| Core capital (leverage) ratio | 8.6699% | 5,365 |
| Tier 1 risk-based capital ratio | 15.8752% | 3,339 |
| Total risk-based capital ratio | 16.7525% | 3,484 |
| Memoranda: | ||
| Average total assets | $229,518,000 | 2,781 |
| Average earning assets | $211,471,500 | 2,752 |
| Average equity | $21,749,000 | 3,055 |
| Average total loans | $96,783,500 | 3,598 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8721% | 5,660 |
| Cost of funding earning assets | 0.6027% | 4,325 |
| Net interest margin | 3.2693% | 5,362 |
| Noninterest income to average assets | 0.4675% | 4,119 |
| Noninterest expense to average assets | 1.9147% | 6,477 |
| Loan and lease loss provision to assets | 0.0448% | 5,285 |
| Net operating income to assets | 1.1446% | 1,790 |
| Return on assets (ROA) | 1.1532% | 1,925 |
| Pretax return on assets | 1.5512% | 1,515 |
| Return on Equity (ROE) | 11.5259% | 1,647 |
| Retained earnings to average equity (ytd only) | -1.8411% | 6,140 |
| Net charge-offs to loans | 0.0587% | 5,106 |
| Credit loss provision to net charge-offs | 178.5714% | 1,471 |
| Earnings coverage of net charge-offs (x) | 63.1250% | 567 |
| Efficiency ratio | 54.7201% | 6,203 |
| Assets per employee ($millions) | 5.4917% | 1,690 |
| Cash dividends to net income (ytd only)* | 115.9736% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,436 |
| Loan loss allowance to noncurrent loans | 63.0286% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 4,460 |
| Noncurrent loans to loans | 1.7964% | 2,922 |
| Net loans and leases to total assets | 42.7765% | 5,922 |
| Net loans and leases to deposits | 53.1196% | 5,729 |
| Net loans and leases to core deposits | 55.4915% | 5,754 |
| Total domestic deposits to total assets | 80.5286% | 5,537 |
| Equity capital to assets | 9.6318% | 4,689 |
| Core capital (leverage) ratio | 8.5506% | 5,539 |
| Tier 1 risk-based capital ratio | 15.6749% | 3,333 |
| Total risk-based capital ratio | 16.5616% | 3,491 |
| Memoranda: | ||
| Average total assets | $223,112,800 | 2,810 |
| Average earning assets | $206,891,400 | 2,782 |
| Average equity | $22,323,600 | 2,935 |
| Average total loans | $95,332,000 | 3,634 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 5,732 |
| Cost of funding earning assets | 0.6210% | 4,443 |
| Net interest margin | 3.3009% | 5,392 |
| Noninterest income to average assets | 0.4085% | 4,566 |
| Noninterest expense to average assets | 1.8736% | 6,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1844% | 1,795 |
| Return on assets (ROA) | 1.1883% | 1,961 |
| Pretax return on assets | 1.6124% | 1,536 |
| Return on Equity (ROE) | 11.7658% | 1,717 |
| Retained earnings to average equity (ytd only) | 6.7369% | 2,259 |
| Net charge-offs to loans | -0.0211% | 6,509 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8289% | 6,269 |
| Assets per employee ($millions) | 5.3679% | 1,762 |
| Cash dividends to net income (ytd only)* | 42.7420% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,560 |
| Loan loss allowance to noncurrent loans | 156.8713% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 5,839 |
| Noncurrent loans to loans | 0.7262% | 4,975 |
| Net loans and leases to total assets | 42.3070% | 6,101 |
| Net loans and leases to deposits | 53.6017% | 5,836 |
| Net loans and leases to core deposits | 55.9434% | 5,894 |
| Total domestic deposits to total assets | 78.9285% | 5,888 |
| Equity capital to assets | 10.6768% | 3,632 |
| Core capital (leverage) ratio | 9.5655% | 4,169 |
| Tier 1 risk-based capital ratio | 17.2277% | 2,637 |
| Total risk-based capital ratio | 18.1060% | 2,765 |
| Memoranda: | ||
| Average total assets | $222,600,750 | 2,831 |
| Average earning assets | $207,172,750 | 2,798 |
| Average equity | $22,482,750 | 2,944 |
| Average total loans | $94,810,250 | 3,684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9619% | 5,752 |
| Cost of funding earning assets | 0.6446% | 4,490 |
| Net interest margin | 3.3173% | 5,403 |
| Noninterest income to average assets | 0.3795% | 4,801 |
| Noninterest expense to average assets | 1.8439% | 6,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1891% | 1,752 |
| Return on assets (ROA) | 1.1950% | 1,933 |
| Pretax return on assets | 1.6300% | 1,458 |
| Return on Equity (ROE) | 12.0573% | 1,648 |
| Retained earnings to average equity (ytd only) | 8.2911% | 1,528 |
| Net charge-offs to loans | -0.0274% | 6,506 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2025% | 6,395 |
| Assets per employee ($millions) | 5.7671% | 1,402 |
| Cash dividends to net income (ytd only)* | 31.2360% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,589 |
| Loan loss allowance to noncurrent loans | 403.0075% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 6,412 |
| Noncurrent loans to loans | 0.2838% | 6,004 |
| Net loans and leases to total assets | 42.2727% | 6,172 |
| Net loans and leases to deposits | 52.9516% | 5,958 |
| Net loans and leases to core deposits | 55.3411% | 5,995 |
| Total domestic deposits to total assets | 79.8326% | 5,783 |
| Equity capital to assets | 10.4156% | 3,791 |
| Core capital (leverage) ratio | 9.1984% | 4,615 |
| Tier 1 risk-based capital ratio | 17.1345% | 2,611 |
| Total risk-based capital ratio | 18.0164% | 2,733 |
| Memoranda: | ||
| Average total assets | $223,439,670 | 2,835 |
| Average earning assets | $207,882,000 | 2,791 |
| Average equity | $22,144,330 | 2,969 |
| Average total loans | $95,019,000 | 3,693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 5,770 |
| Cost of funding earning assets | 0.6942% | 4,329 |
| Net interest margin | 3.3007% | 5,478 |
| Noninterest income to average assets | 0.3617% | 4,985 |
| Noninterest expense to average assets | 1.8228% | 6,772 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1703% | 1,825 |
| Return on assets (ROA) | 1.1703% | 2,006 |
| Pretax return on assets | 1.5994% | 1,583 |
| Return on Equity (ROE) | 12.1081% | 1,652 |
| Retained earnings to average equity (ytd only) | 4.4580% | 3,916 |
| Net charge-offs to loans | -0.0209% | 6,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2642% | 6,414 |
| Assets per employee ($millions) | 5.7013% | 1,522 |
| Cash dividends to net income (ytd only)* | 63.1818% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 5,869 |
| Loan loss allowance to noncurrent loans | 293.1129% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 6,411 |
| Noncurrent loans to loans | 0.3787% | 5,917 |
| Net loans and leases to total assets | 41.5601% | 6,233 |
| Net loans and leases to deposits | 52.7268% | 5,924 |
| Net loans and leases to core deposits | 55.4993% | 5,948 |
| Total domestic deposits to total assets | 78.8216% | 6,120 |
| Equity capital to assets | 9.6337% | 4,604 |
| Core capital (leverage) ratio | 8.8809% | 5,017 |
| Tier 1 risk-based capital ratio | 16.3144% | 3,010 |
| Total risk-based capital ratio | 17.1757% | 3,181 |
| Memoranda: | ||
| Average total assets | $225,584,000 | 2,823 |
| Average earning assets | $209,170,500 | 2,787 |
| Average equity | $21,803,500 | 2,998 |
| Average total loans | $95,672,000 | 3,696 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2468% | 5,926 |
| Cost of funding earning assets | 1.0490% | 3,029 |
| Net interest margin | 3.1978% | 6,099 |
| Noninterest income to average assets | 0.2667% | 5,612 |
| Noninterest expense to average assets | 1.8601% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0330% | 2,071 |
| Return on assets (ROA) | 1.0815% | 2,022 |
| Pretax return on assets | 1.4648% | 1,575 |
| Return on Equity (ROE) | 11.7269% | 1,487 |
| Retained earnings to average equity (ytd only) | 8.6662% | 889 |
| Net charge-offs to loans | 0.0438% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 69.5227% | 430 |
| Efficiency ratio | 57.0667% | 6,179 |
| Assets per employee ($millions) | 5.5779% | 1,551 |
| Cash dividends to net income (ytd only)* | 26.0998% | 3,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1089% | 5,781 |
| Loan loss allowance to noncurrent loans | 287.7717% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3550% | 6,091 |
| Noncurrent loans to loans | 0.3853% | 5,939 |
| Net loans and leases to total assets | 42.3288% | 6,353 |
| Net loans and leases to deposits | 53.9006% | 6,080 |
| Net loans and leases to core deposits | 56.8018% | 6,095 |
| Total domestic deposits to total assets | 78.5313% | 6,089 |
| Equity capital to assets | 9.6977% | 4,599 |
| Core capital (leverage) ratio | 8.9538% | 4,853 |
| Tier 1 risk-based capital ratio | 16.0513% | 3,017 |
| Total risk-based capital ratio | 16.9050% | 3,193 |
| Memoranda: | ||
| Average total assets | $218,595,000 | 2,853 |
| Average earning assets | $204,577,600 | 2,795 |
| Average equity | $20,158,800 | 3,112 |
| Average total loans | $100,556,400 | 3,604 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2860% | 5,993 |
| Cost of funding earning assets | 1.1108% | 2,904 |
| Net interest margin | 3.1752% | 6,218 |
| Noninterest income to average assets | 0.2814% | 5,599 |
| Noninterest expense to average assets | 1.8448% | 6,931 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0365% | 2,190 |
| Return on assets (ROA) | 1.1005% | 2,112 |
| Pretax return on assets | 1.5089% | 1,629 |
| Return on Equity (ROE) | 12.0938% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.6375% | 1,265 |
| Net charge-offs to loans | -0.0131% | 6,819 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4858% | 6,214 |
| Assets per employee ($millions) | 5.4704% | 1,633 |
| Cash dividends to net income (ytd only)* | 28.5793% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 5,764 |
| Loan loss allowance to noncurrent loans | 132.1853% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4131% | 6,047 |
| Noncurrent loans to loans | 0.8556% | 5,157 |
| Net loans and leases to total assets | 44.4654% | 6,286 |
| Net loans and leases to deposits | 56.4836% | 5,984 |
| Net loans and leases to core deposits | 60.5710% | 5,937 |
| Total domestic deposits to total assets | 78.7227% | 6,044 |
| Equity capital to assets | 9.6771% | 4,809 |
| Core capital (leverage) ratio | 8.9336% | 5,040 |
| Tier 1 risk-based capital ratio | 15.4982% | 3,389 |
| Total risk-based capital ratio | 16.3855% | 3,555 |
| Memoranda: | ||
| Average total assets | $217,465,000 | 2,873 |
| Average earning assets | $204,413,000 | 2,806 |
| Average equity | $19,789,250 | 3,182 |
| Average total loans | $101,820,250 | 3,602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 5,866 |
| Cost of funding earning assets | 1.1455% | 2,929 |
| Net interest margin | 3.1960% | 6,171 |
| Noninterest income to average assets | 0.2811% | 5,639 |
| Noninterest expense to average assets | 1.8883% | 6,966 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0291% | 2,109 |
| Return on assets (ROA) | 1.0571% | 2,111 |
| Pretax return on assets | 1.4312% | 1,721 |
| Return on Equity (ROE) | 11.8692% | 1,533 |
| Retained earnings to average equity (ytd only) | 8.6303% | 1,223 |
| Net charge-offs to loans | -0.0117% | 6,718 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5400% | 6,224 |
| Assets per employee ($millions) | 5.3491% | 1,708 |
| Cash dividends to net income (ytd only)* | 27.2886% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 5,997 |
| Loan loss allowance to noncurrent loans | 223.5887% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 6,476 |
| Noncurrent loans to loans | 0.4877% | 5,928 |
| Net loans and leases to total assets | 47.0156% | 6,152 |
| Net loans and leases to deposits | 58.0932% | 5,928 |
| Net loans and leases to core deposits | 62.0144% | 5,897 |
| Total domestic deposits to total assets | 80.9313% | 5,547 |
| Equity capital to assets | 9.5002% | 4,814 |
| Core capital (leverage) ratio | 8.6246% | 5,355 |
| Tier 1 risk-based capital ratio | 14.6550% | 3,696 |
| Total risk-based capital ratio | 15.5107% | 3,946 |
| Memoranda: | ||
| Average total assets | $217,015,000 | 2,889 |
| Average earning assets | $203,755,000 | 2,827 |
| Average equity | $19,327,330 | 3,224 |
| Average total loans | $102,957,000 | 3,608 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2485% | 6,152 |
| Cost of funding earning assets | 1.1631% | 3,068 |
| Net interest margin | 3.0854% | 6,385 |
| Noninterest income to average assets | 0.2745% | 5,707 |
| Noninterest expense to average assets | 1.8651% | 7,049 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9603% | 2,315 |
| Return on assets (ROA) | 1.0158% | 2,176 |
| Pretax return on assets | 1.3782% | 1,785 |
| Return on Equity (ROE) | 11.7913% | 1,519 |
| Retained earnings to average equity (ytd only) | 5.1414% | 3,093 |
| Net charge-offs to loans | -0.0154% | 6,493 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8677% | 6,145 |
| Assets per employee ($millions) | 5.8397% | 1,310 |
| Cash dividends to net income (ytd only)* | 56.3964% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 6,136 |
| Loan loss allowance to noncurrent loans | 92.4040% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 5,732 |
| Noncurrent loans to loans | 1.1634% | 4,759 |
| Net loans and leases to total assets | 45.9039% | 6,296 |
| Net loans and leases to deposits | 58.0428% | 5,920 |
| Net loans and leases to core deposits | 61.3494% | 5,984 |
| Total domestic deposits to total assets | 79.0863% | 6,168 |
| Equity capital to assets | 8.6239% | 5,748 |
| Core capital (leverage) ratio | 8.3282% | 5,754 |
| Tier 1 risk-based capital ratio | 13.9371% | 4,116 |
| Total risk-based capital ratio | 14.7755% | 4,374 |
| Memoranda: | ||
| Average total assets | $218,541,000 | 2,895 |
| Average earning assets | $204,968,500 | 2,840 |
| Average equity | $18,827,500 | 3,278 |
| Average total loans | $103,583,000 | 3,629 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7574% | 5,594 |
| Cost of funding earning assets | 1.3931% | 3,315 |
| Net interest margin | 3.3643% | 5,748 |
| Noninterest income to average assets | 0.3979% | 4,924 |
| Noninterest expense to average assets | 1.9577% | 7,090 |
| Loan and lease loss provision to assets | 0.0440% | 6,720 |
| Net operating income to assets | 1.0617% | 1,833 |
| Return on assets (ROA) | 1.0773% | 1,866 |
| Pretax return on assets | 1.5163% | 1,332 |
| Return on Equity (ROE) | 11.9240% | 1,329 |
| Retained earnings to average equity (ytd only) | 11.3485% | 347 |
| Net charge-offs to loans | 0.1136% | 5,746 |
| Credit loss provision to net charge-offs | 70.9677% | 5,836 |
| Earnings coverage of net charge-offs (x) | 24.8145% | 848 |
| Efficiency ratio | 55.9989% | 6,593 |
| Assets per employee ($millions) | 5.5173% | 1,565 |
| Cash dividends to net income (ytd only)* | 4.8260% | 3,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 6,115 |
| Loan loss allowance to noncurrent loans | 92.0701% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 5,731 |
| Noncurrent loans to loans | 1.1498% | 4,807 |
| Net loans and leases to total assets | 47.9108% | 6,401 |
| Net loans and leases to deposits | 61.0438% | 5,949 |
| Net loans and leases to core deposits | 64.7762% | 5,994 |
| Total domestic deposits to total assets | 78.4859% | 6,219 |
| Equity capital to assets | 8.6060% | 5,713 |
| Core capital (leverage) ratio | 8.4993% | 5,369 |
| Tier 1 risk-based capital ratio | 13.7089% | 4,056 |
| Total risk-based capital ratio | 14.5417% | 4,336 |
| Memoranda: | ||
| Average total assets | $200,032,400 | 3,101 |
| Average earning assets | $184,198,400 | 3,073 |
| Average equity | $18,072,800 | 3,414 |
| Average total loans | $109,123,800 | 3,563 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8537% | 5,454 |
| Cost of funding earning assets | 1.4395% | 3,336 |
| Net interest margin | 3.4142% | 5,621 |
| Noninterest income to average assets | 0.3818% | 5,101 |
| Noninterest expense to average assets | 1.9737% | 7,091 |
| Loan and lease loss provision to assets | 0.0326% | 6,745 |
| Net operating income to assets | 1.0645% | 2,022 |
| Return on assets (ROA) | 1.0857% | 2,053 |
| Pretax return on assets | 1.5382% | 1,512 |
| Return on Equity (ROE) | 11.8621% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.0901% | 595 |
| Net charge-offs to loans | 0.0387% | 6,170 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 70.8676% | 424 |
| Efficiency ratio | 56.1570% | 6,533 |
| Assets per employee ($millions) | 5.3994% | 1,721 |
| Cash dividends to net income (ytd only)* | 6.5080% | 3,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0878% | 5,993 |
| Loan loss allowance to noncurrent loans | 150.5867% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 6,470 |
| Noncurrent loans to loans | 0.7224% | 5,767 |
| Net loans and leases to total assets | 51.1875% | 6,200 |
| Net loans and leases to deposits | 64.9650% | 5,794 |
| Net loans and leases to core deposits | 68.7683% | 5,870 |
| Total domestic deposits to total assets | 78.7925% | 6,067 |
| Equity capital to assets | 9.2208% | 5,278 |
| Core capital (leverage) ratio | 8.8582% | 4,911 |
| Tier 1 risk-based capital ratio | 12.8983% | 4,657 |
| Total risk-based capital ratio | 13.7446% | 4,967 |
| Memoranda: | ||
| Average total assets | $196,246,750 | 3,188 |
| Average earning assets | $180,064,500 | 3,158 |
| Average equity | $17,961,500 | 3,479 |
| Average total loans | $110,356,000 | 3,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 5,343 |
| Cost of funding earning assets | 1.4673% | 3,446 |
| Net interest margin | 3.4447% | 5,463 |
| Noninterest income to average assets | 0.3518% | 5,332 |
| Noninterest expense to average assets | 1.9910% | 7,128 |
| Loan and lease loss provision to assets | 0.0083% | 6,811 |
| Net operating income to assets | 1.0650% | 1,964 |
| Return on assets (ROA) | 1.0969% | 1,934 |
| Pretax return on assets | 1.5636% | 1,396 |
| Return on Equity (ROE) | 12.0166% | 1,452 |
| Retained earnings to average equity (ytd only) | 12.0166% | 490 |
| Net charge-offs to loans | 0.0609% | 5,540 |
| Credit loss provision to net charge-offs | 23.5294% | 5,818 |
| Earnings coverage of net charge-offs (x) | 43.3824% | 678 |
| Efficiency ratio | 56.6049% | 6,559 |
| Assets per employee ($millions) | 5.1216% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 6,311 |
| Loan loss allowance to noncurrent loans | 178.9389% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 6,616 |
| Noncurrent loans to loans | 0.5706% | 6,108 |
| Net loans and leases to total assets | 55.4406% | 5,794 |
| Net loans and leases to deposits | 70.6324% | 5,191 |
| Net loans and leases to core deposits | 74.9776% | 5,323 |
| Total domestic deposits to total assets | 78.4918% | 6,149 |
| Equity capital to assets | 9.3675% | 4,899 |
| Core capital (leverage) ratio | 8.8782% | 4,793 |
| Tier 1 risk-based capital ratio | 12.5530% | 4,810 |
| Total risk-based capital ratio | 13.3668% | 5,180 |
| Memoranda: | ||
| Average total assets | $193,270,000 | 3,257 |
| Average earning assets | $177,608,000 | 3,221 |
| Average equity | $17,642,330 | 3,525 |
| Average total loans | $111,748,000 | 3,590 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 5,082 |
| Cost of funding earning assets | 1.5080% | 3,502 |
| Net interest margin | 3.4777% | 5,255 |
| Noninterest income to average assets | 0.3448% | 5,385 |
| Noninterest expense to average assets | 2.0187% | 7,131 |
| Loan and lease loss provision to assets | 0.0166% | 6,468 |
| Net operating income to assets | 1.0347% | 2,054 |
| Return on assets (ROA) | 1.0987% | 1,916 |
| Pretax return on assets | 1.5764% | 1,324 |
| Return on Equity (ROE) | 12.1974% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.1974% | 716 |
| Net charge-offs to loans | 0.0212% | 5,286 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 273 |
| Efficiency ratio | 57.3451% | 6,586 |
| Assets per employee ($millions) | 5.2144% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,403 |
| Loan loss allowance to noncurrent loans | 164.2651% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 6,577 |
| Noncurrent loans to loans | 0.6156% | 6,080 |
| Net loans and leases to total assets | 57.8380% | 5,467 |
| Net loans and leases to deposits | 75.8004% | 4,449 |
| Net loans and leases to core deposits | 80.4244% | 4,712 |
| Total domestic deposits to total assets | 76.3030% | 6,703 |
| Equity capital to assets | 9.1504% | 5,064 |
| Core capital (leverage) ratio | 8.7003% | 5,023 |
| Tier 1 risk-based capital ratio | 11.9439% | 5,256 |
| Total risk-based capital ratio | 12.7623% | 5,637 |
| Memoranda: | ||
| Average total assets | $192,595,500 | 3,328 |
| Average earning assets | $175,861,000 | 3,309 |
| Average equity | $17,348,000 | 3,592 |
| Average total loans | $113,116,500 | 3,619 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 6,015 |
| Cost of funding earning assets | 1.8239% | 3,860 |
| Net interest margin | 3.2930% | 5,775 |
| Noninterest income to average assets | 0.5255% | 4,211 |
| Noninterest expense to average assets | 2.1321% | 7,118 |
| Loan and lease loss provision to assets | 0.0959% | 6,652 |
| Net operating income to assets | 0.9479% | 2,013 |
| Return on assets (ROA) | 0.9644% | 2,020 |
| Pretax return on assets | 1.3770% | 1,488 |
| Return on Equity (ROE) | 11.0809% | 1,397 |
| Retained earnings to average equity (ytd only) | 11.0809% | 278 |
| Net charge-offs to loans | 0.0809% | 6,298 |
| Credit loss provision to net charge-offs | 192.3077% | 2,067 |
| Earnings coverage of net charge-offs (x) | 29.0659% | 788 |
| Efficiency ratio | 59.5318% | 6,553 |
| Assets per employee ($millions) | 5.1962% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 6,360 |
| Loan loss allowance to noncurrent loans | 190.4682% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 6,663 |
| Noncurrent loans to loans | 0.5268% | 6,203 |
| Net loans and leases to total assets | 58.4451% | 5,588 |
| Net loans and leases to deposits | 77.9464% | 4,388 |
| Net loans and leases to core deposits | 99.3950% | 4,062 |
| Total domestic deposits to total assets | 74.9811% | 6,871 |
| Equity capital to assets | 8.8641% | 5,334 |
| Core capital (leverage) ratio | 8.4343% | 5,380 |
| Tier 1 risk-based capital ratio | 11.5141% | 5,382 |
| Total risk-based capital ratio | 12.3283% | 5,804 |
| Memoranda: | ||
| Average total assets | $182,494,600 | 3,399 |
| Average earning assets | $169,358,800 | 3,361 |
| Average equity | $15,883,200 | 3,890 |
| Average total loans | $112,482,600 | 3,639 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 6,028 |
| Cost of funding earning assets | 1.8730% | 4,032 |
| Net interest margin | 3.2934% | 5,663 |
| Noninterest income to average assets | 0.5346% | 4,199 |
| Noninterest expense to average assets | 2.1319% | 7,126 |
| Loan and lease loss provision to assets | 0.0296% | 7,052 |
| Net operating income to assets | 0.9966% | 2,074 |
| Return on assets (ROA) | 0.9997% | 2,118 |
| Pretax return on assets | 1.4373% | 1,599 |
| Return on Equity (ROE) | 11.5430% | 1,476 |
| Retained earnings to average equity (ytd only) | 11.5430% | 404 |
| Net charge-offs to loans | 0.0927% | 5,752 |
| Credit loss provision to net charge-offs | 51.2821% | 6,289 |
| Earnings coverage of net charge-offs (x) | 25.3199% | 1,058 |
| Efficiency ratio | 59.3119% | 6,511 |
| Assets per employee ($millions) | 5.1303% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 6,731 |
| Loan loss allowance to noncurrent loans | 174.7423% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 6,697 |
| Noncurrent loans to loans | 0.5192% | 6,267 |
| Net loans and leases to total assets | 60.1440% | 5,558 |
| Net loans and leases to deposits | 80.6886% | 4,254 |
| Net loans and leases to core deposits | 102.0825% | 4,146 |
| Total domestic deposits to total assets | 74.5384% | 6,858 |
| Equity capital to assets | 9.1131% | 5,314 |
| Core capital (leverage) ratio | 8.7631% | 5,029 |
| Tier 1 risk-based capital ratio | 10.5779% | 6,374 |
| Total risk-based capital ratio | 11.2630% | 6,918 |
| Memoranda: | ||
| Average total assets | $180,053,500 | 3,468 |
| Average earning assets | $167,281,250 | 3,419 |
| Average equity | $15,593,500 | 3,985 |
| Average total loans | $112,227,000 | 3,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2246% | 5,984 |
| Cost of funding earning assets | 1.9048% | 4,234 |
| Net interest margin | 3.3198% | 5,474 |
| Noninterest income to average assets | 0.5927% | 3,756 |
| Noninterest expense to average assets | 2.1859% | 7,096 |
| Loan and lease loss provision to assets | 0.0448% | 6,786 |
| Net operating income to assets | 1.0071% | 2,079 |
| Return on assets (ROA) | 1.0117% | 2,158 |
| Pretax return on assets | 1.4599% | 1,562 |
| Return on Equity (ROE) | 11.8964% | 1,449 |
| Retained earnings to average equity (ytd only) | 11.8964% | 463 |
| Net charge-offs to loans | 0.1639% | 4,568 |
| Credit loss provision to net charge-offs | 43.4783% | 5,853 |
| Earnings coverage of net charge-offs (x) | 14.5326% | 1,645 |
| Efficiency ratio | 59.3370% | 6,644 |
| Assets per employee ($millions) | 4.5870% | 2,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 6,783 |
| Loan loss allowance to noncurrent loans | 195.5166% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,756 |
| Noncurrent loans to loans | 0.4589% | 6,376 |
| Net loans and leases to total assets | 61.9221% | 5,372 |
| Net loans and leases to deposits | 83.0472% | 4,035 |
| Net loans and leases to core deposits | 104.5925% | 4,003 |
| Total domestic deposits to total assets | 74.5626% | 6,856 |
| Equity capital to assets | 8.7527% | 5,681 |
| Core capital (leverage) ratio | 8.5563% | 5,344 |
| Tier 1 risk-based capital ratio | 11.3038% | 5,595 |
| Total risk-based capital ratio | 12.0470% | 6,025 |
| Memoranda: | ||
| Average total assets | $178,508,000 | 3,508 |
| Average earning assets | $166,215,000 | 3,456 |
| Average equity | $15,181,000 | 4,083 |
| Average total loans | $112,270,330 | 3,714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 6,176 |
| Cost of funding earning assets | 1.9448% | 4,398 |
| Net interest margin | 3.2878% | 5,534 |
| Noninterest income to average assets | 0.6169% | 3,428 |
| Noninterest expense to average assets | 2.1580% | 6,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0498% | 2,133 |
| Return on assets (ROA) | 1.0498% | 2,265 |
| Pretax return on assets | 1.5231% | 1,600 |
| Return on Equity (ROE) | 12.5280% | 1,505 |
| Retained earnings to average equity (ytd only) | 12.5280% | 705 |
| Net charge-offs to loans | 0.0320% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 75.4444% | 542 |
| Efficiency ratio | 58.6228% | 6,606 |
| Assets per employee ($millions) | 4.7289% | 2,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 6,538 |
| Loan loss allowance to noncurrent loans | 202.7132% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 6,651 |
| Noncurrent loans to loans | 0.4649% | 6,252 |
| Net loans and leases to total assets | 61.1804% | 5,471 |
| Net loans and leases to deposits | 83.9474% | 3,990 |
| Net loans and leases to core deposits | 104.6798% | 4,061 |
| Total domestic deposits to total assets | 72.8795% | 7,072 |
| Equity capital to assets | 8.5143% | 6,056 |
| Core capital (leverage) ratio | 8.3021% | 5,900 |
| Tier 1 risk-based capital ratio | 11.1254% | 5,792 |
| Total risk-based capital ratio | 11.9106% | 6,137 |
| Memoranda: | ||
| Average total assets | $178,315,000 | 3,540 |
| Average earning assets | $166,191,000 | 3,472 |
| Average equity | $14,942,500 | 4,155 |
| Average total loans | $112,516,500 | 3,731 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5962% | 7,081 |
| Cost of funding earning assets | 2.3778% | 4,823 |
| Net interest margin | 3.2184% | 6,315 |
| Noninterest income to average assets | 0.4536% | 5,013 |
| Noninterest expense to average assets | 2.1362% | 7,145 |
| Loan and lease loss provision to assets | 0.0935% | 6,193 |
| Net operating income to assets | 0.8801% | 3,093 |
| Return on assets (ROA) | 0.8884% | 2,890 |
| Pretax return on assets | 1.2369% | 2,522 |
| Return on Equity (ROE) | 10.9208% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.9208% | 333 |
| Net charge-offs to loans | 0.0103% | 6,784 |
| Credit loss provision to net charge-offs | 1,400.0000% | 324 |
| Earnings coverage of net charge-offs (x) | 197.4545% | 239 |
| Efficiency ratio | 61.8278% | 5,988 |
| Assets per employee ($millions) | 4.6561% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 6,527 |
| Loan loss allowance to noncurrent loans | 293.0556% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 6,757 |
| Noncurrent loans to loans | 0.3157% | 6,428 |
| Net loans and leases to total assets | 63.8618% | 5,298 |
| Net loans and leases to deposits | 87.7288% | 3,842 |
| Net loans and leases to core deposits | 107.0071% | 4,076 |
| Total domestic deposits to total assets | 72.7946% | 6,866 |
| Equity capital to assets | 8.2433% | 6,489 |
| Core capital (leverage) ratio | 8.3521% | 5,847 |
| Tier 1 risk-based capital ratio | 10.7746% | 5,935 |
| Total risk-based capital ratio | 11.5666% | 6,278 |
| Memoranda: | ||
| Average total assets | $164,681,400 | 3,634 |
| Average earning assets | $153,586,600 | 3,591 |
| Average equity | $13,396,400 | 4,477 |
| Average total loans | $107,148,000 | 3,761 |