Home > Freedom Bank of Southern Missouri > Performance and Condition Ratios
Freedom Bank of Southern Missouri, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0590% | 1,108 |
| Cost of funding earning assets | 2.6515% | 652 |
| Net interest margin | 3.4075% | 2,553 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 2.1548% | 3,236 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.3458% | 1,382 |
| Return on assets (ROA) | 1.3458% | 1,373 |
| Pretax return on assets | 1.3458% | 1,859 |
| Return on Equity (ROE) | 15.9300% | 912 |
| Retained earnings to average equity (ytd only) | 12.4931% | 710 |
| Net charge-offs to loans | 0.0142% | 1,738 |
| Credit loss provision to net charge-offs | 385.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 125.4500% | 603 |
| Efficiency ratio | 60.1124% | 2,955 |
| Assets per employee ($millions) | 7.1185% | 2,139 |
| Cash dividends to net income (ytd only)* | 21.5872% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 3,793 |
| Loan loss allowance to noncurrent loans | 620.7843% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 2,989 |
| Noncurrent loans to loans | 0.1332% | 3,015 |
| Net loans and leases to total assets | 76.9300% | 962 |
| Net loans and leases to deposits | 84.4856% | 1,644 |
| Net loans and leases to core deposits | 98.1843% | 1,488 |
| Total domestic deposits to total assets | 91.0500% | 506 |
| Equity capital to assets | 8.4591% | 3,346 |
| Core capital (leverage) ratio | 8.7328% | 3,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $722,849,500 | 1,330 |
| Average earning assets | $678,266,500 | 1,323 |
| Average equity | $61,057,500 | 1,526 |
| Average total loans | $565,191,000 | 1,206 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9300% | 1,389 |
| Cost of funding earning assets | 2.6280% | 926 |
| Net interest margin | 3.3020% | 2,508 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 2.2085% | 3,111 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.2539% | 1,385 |
| Return on assets (ROA) | 1.2539% | 1,396 |
| Pretax return on assets | 1.2539% | 1,863 |
| Return on Equity (ROE) | 14.7200% | 987 |
| Retained earnings to average equity (ytd only) | 6.4039% | 1,662 |
| Net charge-offs to loans | -0.0044% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 62.5788% | 2,878 |
| Assets per employee ($millions) | 6.8483% | 2,256 |
| Cash dividends to net income (ytd only)* | 56.4975% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 3,782 |
| Loan loss allowance to noncurrent loans | 512.7869% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 2,819 |
| Noncurrent loans to loans | 0.1645% | 2,860 |
| Net loans and leases to total assets | 78.1800% | 878 |
| Net loans and leases to deposits | 85.8014% | 1,610 |
| Net loans and leases to core deposits | 99.6873% | 1,469 |
| Total domestic deposits to total assets | 91.1100% | 483 |
| Equity capital to assets | 8.4339% | 3,260 |
| Core capital (leverage) ratio | 8.7079% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $686,744,000 | 1,363 |
| Average earning assets | $643,998,400 | 1,346 |
| Average equity | $58,496,000 | 1,524 |
| Average total loans | $527,122,600 | 1,252 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 1,464 |
| Cost of funding earning assets | 2.6086% | 967 |
| Net interest margin | 3.2410% | 2,593 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 2.1915% | 3,098 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 1.2237% | 1,469 |
| Return on assets (ROA) | 1.2237% | 1,478 |
| Pretax return on assets | 1.2237% | 1,935 |
| Return on Equity (ROE) | 14.3300% | 1,079 |
| Retained earnings to average equity (ytd only) | 11.9029% | 522 |
| Net charge-offs to loans | -0.0049% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.9855% | 2,812 |
| Assets per employee ($millions) | 6.9336% | 2,187 |
| Cash dividends to net income (ytd only)* | 16.9329% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 3,812 |
| Loan loss allowance to noncurrent loans | 635.2538% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 2,998 |
| Noncurrent loans to loans | 0.1333% | 3,010 |
| Net loans and leases to total assets | 77.4100% | 944 |
| Net loans and leases to deposits | 85.6199% | 1,678 |
| Net loans and leases to core deposits | 98.2633% | 1,602 |
| Total domestic deposits to total assets | 90.4100% | 485 |
| Equity capital to assets | 9.0164% | 3,024 |
| Core capital (leverage) ratio | 9.0047% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $682,087,250 | 1,360 |
| Average earning assets | $639,665,750 | 1,345 |
| Average equity | $58,247,500 | 1,520 |
| Average total loans | $519,872,750 | 1,251 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7285% | 1,558 |
| Cost of funding earning assets | 2.5691% | 963 |
| Net interest margin | 3.1594% | 2,720 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.1905% | 3,099 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.1429% | 1,615 |
| Return on assets (ROA) | 1.1429% | 1,614 |
| Pretax return on assets | 1.1429% | 2,089 |
| Return on Equity (ROE) | 13.6500% | 1,229 |
| Retained earnings to average equity (ytd only) | 10.7849% | 731 |
| Net charge-offs to loans | 0.0047% | 2,283 |
| Credit loss provision to net charge-offs | 791.6667% | 474 |
| Earnings coverage of net charge-offs (x) | 329.8333% | 362 |
| Efficiency ratio | 64.3725% | 2,725 |
| Assets per employee ($millions) | 6.6436% | 2,303 |
| Cash dividends to net income (ytd only)* | 20.9682% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 3,784 |
| Loan loss allowance to noncurrent loans | 391.8734% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1692% | 2,548 |
| Noncurrent loans to loans | 0.2219% | 2,601 |
| Net loans and leases to total assets | 75.5700% | 1,223 |
| Net loans and leases to deposits | 82.9846% | 1,929 |
| Net loans and leases to core deposits | 94.8851% | 1,802 |
| Total domestic deposits to total assets | 91.0700% | 440 |
| Equity capital to assets | 8.4058% | 3,161 |
| Core capital (leverage) ratio | 8.7389% | 3,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $676,019,667 | 1,376 |
| Average earning assets | $634,619,667 | 1,349 |
| Average equity | $56,616,333 | 1,540 |
| Average total loans | $510,919,000 | 1,268 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5777% | 1,666 |
| Cost of funding earning assets | 2.5327% | 937 |
| Net interest margin | 3.0450% | 2,896 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.1479% | 3,199 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 1.0512% | 1,804 |
| Return on assets (ROA) | 1.0512% | 1,805 |
| Pretax return on assets | 1.0512% | 2,255 |
| Return on Equity (ROE) | 12.5800% | 1,428 |
| Retained earnings to average equity (ytd only) | 10.5716% | 986 |
| Net charge-offs to loans | 0.0223% | 1,403 |
| Credit loss provision to net charge-offs | 203.5714% | 807 |
| Earnings coverage of net charge-offs (x) | 64.7857% | 856 |
| Efficiency ratio | 65.5996% | 2,631 |
| Assets per employee ($millions) | 7.1036% | 2,019 |
| Cash dividends to net income (ytd only)* | 15.9363% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 3,731 |
| Loan loss allowance to noncurrent loans | 470.5821% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1368% | 2,720 |
| Noncurrent loans to loans | 0.1893% | 2,673 |
| Net loans and leases to total assets | 71.6100% | 1,610 |
| Net loans and leases to deposits | 78.2544% | 2,218 |
| Net loans and leases to core deposits | 88.6147% | 2,127 |
| Total domestic deposits to total assets | 91.5100% | 421 |
| Equity capital to assets | 8.0204% | 3,355 |
| Core capital (leverage) ratio | 8.7992% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $668,564,500 | 1,387 |
| Average earning assets | $626,994,000 | 1,370 |
| Average equity | $55,885,500 | 1,545 |
| Average total loans | $503,013,000 | 1,282 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1940% | 1,674 |
| Cost of funding earning assets | 1.8737% | 1,116 |
| Net interest margin | 3.3203% | 2,578 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.2658% | 2,940 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.2015% | 1,651 |
| Return on assets (ROA) | 1.2007% | 1,622 |
| Pretax return on assets | 1.2007% | 2,136 |
| Return on Equity (ROE) | 13.7400% | 1,546 |
| Retained earnings to average equity (ytd only) | 6.1983% | 2,176 |
| Net charge-offs to loans | -0.0034% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.5430% | 2,661 |
| Assets per employee ($millions) | 6.2144% | 2,622 |
| Cash dividends to net income (ytd only)* | 54.8762% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9035% | 3,701 |
| Loan loss allowance to noncurrent loans | 260.1504% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 1,866 |
| Noncurrent loans to loans | 0.3473% | 1,937 |
| Net loans and leases to total assets | 77.8300% | 882 |
| Net loans and leases to deposits | 86.4459% | 1,587 |
| Net loans and leases to core deposits | 97.7386% | 1,555 |
| Total domestic deposits to total assets | 90.0400% | 748 |
| Equity capital to assets | 8.7347% | 2,880 |
| Core capital (leverage) ratio | 9.0802% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $608,890,000 | 1,458 |
| Average earning assets | $567,714,400 | 1,445 |
| Average equity | $53,224,200 | 1,526 |
| Average total loans | $467,026,200 | 1,305 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 1,674 |
| Cost of funding earning assets | 1.7142% | 1,160 |
| Net interest margin | 3.3611% | 2,544 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.2868% | 2,832 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2148% | 1,758 |
| Return on assets (ROA) | 1.2137% | 1,745 |
| Pretax return on assets | 1.2137% | 2,264 |
| Return on Equity (ROE) | 13.8800% | 1,684 |
| Retained earnings to average equity (ytd only) | 11.7316% | 1,020 |
| Net charge-offs to loans | -0.0174% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.3563% | 2,579 |
| Assets per employee ($millions) | 6.2548% | 2,522 |
| Cash dividends to net income (ytd only)* | 15.4940% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 3,628 |
| Loan loss allowance to noncurrent loans | 209.9860% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 1,657 |
| Noncurrent loans to loans | 0.4432% | 1,719 |
| Net loans and leases to total assets | 76.5900% | 1,048 |
| Net loans and leases to deposits | 84.1558% | 1,727 |
| Net loans and leases to core deposits | 93.1551% | 1,721 |
| Total domestic deposits to total assets | 91.0100% | 669 |
| Equity capital to assets | 8.4847% | 2,736 |
| Core capital (leverage) ratio | 9.3938% | 3,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $602,644,750 | 1,471 |
| Average earning assets | $561,865,250 | 1,458 |
| Average equity | $52,688,500 | 1,531 |
| Average total loans | $459,315,750 | 1,320 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9560% | 1,636 |
| Cost of funding earning assets | 1.5597% | 1,145 |
| Net interest margin | 3.3963% | 2,527 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.3115% | 2,764 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.2114% | 1,803 |
| Return on assets (ROA) | 1.2097% | 1,796 |
| Pretax return on assets | 1.2097% | 2,334 |
| Return on Equity (ROE) | 13.6900% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.4495% | 1,088 |
| Net charge-offs to loans | -0.0213% | 4,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.5308% | 2,537 |
| Assets per employee ($millions) | 6.0650% | 2,659 |
| Cash dividends to net income (ytd only)* | 16.3934% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 3,657 |
| Loan loss allowance to noncurrent loans | 304.9724% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 1,997 |
| Noncurrent loans to loans | 0.3085% | 2,037 |
| Net loans and leases to total assets | 76.6700% | 980 |
| Net loans and leases to deposits | 84.4934% | 1,627 |
| Net loans and leases to core deposits | 92.5680% | 1,649 |
| Total domestic deposits to total assets | 90.7400% | 717 |
| Equity capital to assets | 8.8277% | 2,640 |
| Core capital (leverage) ratio | 9.4130% | 3,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $595,033,667 | 1,487 |
| Average earning assets | $554,477,667 | 1,485 |
| Average equity | $52,561,333 | 1,534 |
| Average total loans | $451,241,000 | 1,317 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8345% | 1,540 |
| Cost of funding earning assets | 1.3838% | 1,055 |
| Net interest margin | 3.4507% | 2,495 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.3207% | 2,762 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.2340% | 1,838 |
| Return on assets (ROA) | 1.2306% | 1,822 |
| Pretax return on assets | 1.2306% | 2,351 |
| Return on Equity (ROE) | 13.9300% | 1,791 |
| Retained earnings to average equity (ytd only) | 11.8912% | 1,291 |
| Net charge-offs to loans | -0.0434% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.8774% | 2,586 |
| Assets per employee ($millions) | 6.1068% | 2,676 |
| Cash dividends to net income (ytd only)* | 14.6167% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,652 |
| Loan loss allowance to noncurrent loans | 285.7237% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 1,866 |
| Noncurrent loans to loans | 0.3378% | 1,938 |
| Net loans and leases to total assets | 73.7200% | 1,237 |
| Net loans and leases to deposits | 81.1914% | 1,729 |
| Net loans and leases to core deposits | 88.4203% | 1,717 |
| Total domestic deposits to total assets | 90.8000% | 864 |
| Equity capital to assets | 8.8569% | 2,627 |
| Core capital (leverage) ratio | 9.2193% | 3,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $589,301,000 | 1,525 |
| Average earning assets | $549,802,500 | 1,521 |
| Average equity | $52,072,000 | 1,565 |
| Average total loans | $442,150,000 | 1,348 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1693% | 1,313 |
| Cost of funding earning assets | 0.5846% | 963 |
| Net interest margin | 3.5847% | 1,686 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.1662% | 3,108 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.5229% | 831 |
| Return on assets (ROA) | 1.5229% | 804 |
| Pretax return on assets | 1.5229% | 1,387 |
| Return on Equity (ROE) | 17.2300% | 827 |
| Retained earnings to average equity (ytd only) | 8.7117% | 1,563 |
| Net charge-offs to loans | 0.0271% | 1,517 |
| Credit loss provision to net charge-offs | 432.4324% | 743 |
| Earnings coverage of net charge-offs (x) | 86.6396% | 1,045 |
| Efficiency ratio | 56.6773% | 3,506 |
| Assets per employee ($millions) | 5.6278% | 3,100 |
| Cash dividends to net income (ytd only)* | 49.4364% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 3,831 |
| Loan loss allowance to noncurrent loans | 217.7841% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 1,628 |
| Noncurrent loans to loans | 0.4053% | 1,711 |
| Net loans and leases to total assets | 74.9800% | 1,132 |
| Net loans and leases to deposits | 82.4934% | 1,581 |
| Net loans and leases to core deposits | 90.5997% | 1,474 |
| Total domestic deposits to total assets | 90.9000% | 996 |
| Equity capital to assets | 8.8145% | 2,477 |
| Core capital (leverage) ratio | 9.3169% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $599,990,400 | 1,480 |
| Average earning assets | $558,314,000 | 1,479 |
| Average equity | $53,032,000 | 1,541 |
| Average total loans | $410,127,600 | 1,366 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 1,173 |
| Cost of funding earning assets | 0.4874% | 803 |
| Net interest margin | 3.5568% | 1,498 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1342% | 3,117 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5325% | 773 |
| Return on assets (ROA) | 1.5325% | 756 |
| Pretax return on assets | 1.5325% | 1,316 |
| Return on Equity (ROE) | 17.3300% | 740 |
| Retained earnings to average equity (ytd only) | 15.3263% | 336 |
| Net charge-offs to loans | 0.0175% | 1,494 |
| Credit loss provision to net charge-offs | 684.9057% | 519 |
| Earnings coverage of net charge-offs (x) | 138.3774% | 783 |
| Efficiency ratio | 56.1730% | 3,613 |
| Assets per employee ($millions) | 5.8253% | 2,911 |
| Cash dividends to net income (ytd only)* | 11.5478% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 3,895 |
| Loan loss allowance to noncurrent loans | 214.7980% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 1,754 |
| Noncurrent loans to loans | 0.4132% | 1,781 |
| Net loans and leases to total assets | 71.6200% | 1,332 |
| Net loans and leases to deposits | 78.6821% | 1,665 |
| Net loans and leases to core deposits | 85.8580% | 1,530 |
| Total domestic deposits to total assets | 91.0300% | 1,229 |
| Equity capital to assets | 8.6126% | 2,474 |
| Core capital (leverage) ratio | 9.3763% | 3,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $606,479,750 | 1,473 |
| Average earning assets | $564,382,750 | 1,475 |
| Average equity | $53,640,500 | 1,546 |
| Average total loans | $404,093,500 | 1,368 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 1,180 |
| Cost of funding earning assets | 0.4370% | 735 |
| Net interest margin | 3.4283% | 1,519 |
| Noninterest income to average assets | 0.4232% | 2,610 |
| Noninterest expense to average assets | 2.0943% | 3,168 |
| Loan and lease loss provision to assets | 0.0966% | 1,030 |
| Net operating income to assets | 1.4161% | 870 |
| Return on assets (ROA) | 1.4161% | 848 |
| Pretax return on assets | 1.4161% | 1,391 |
| Return on Equity (ROE) | 15.8778% | 725 |
| Retained earnings to average equity (ytd only) | 13.8972% | 368 |
| Net charge-offs to loans | 0.0247% | 1,231 |
| Credit loss provision to net charge-offs | 604.0816% | 562 |
| Earnings coverage of net charge-offs (x) | 94.5510% | 846 |
| Efficiency ratio | 57.2463% | 3,649 |
| Assets per employee ($millions) | 6.1098% | 2,644 |
| Cash dividends to net income (ytd only)* | 12.4741% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 4,001 |
| Loan loss allowance to noncurrent loans | 180.4961% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 1,652 |
| Noncurrent loans to loans | 0.4896% | 1,648 |
| Net loans and leases to total assets | 68.1178% | 1,467 |
| Net loans and leases to deposits | 74.7037% | 1,787 |
| Net loans and leases to core deposits | 81.5968% | 1,618 |
| Total domestic deposits to total assets | 91.1840% | 1,153 |
| Equity capital to assets | 8.4960% | 2,767 |
| Core capital (leverage) ratio | 8.7134% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0721% | 2,462 |
| Memoranda: | ||
| Average total assets | $612,519,667 | 1,468 |
| Average earning assets | $568,856,000 | 1,472 |
| Average equity | $54,629,667 | 1,562 |
| Average total loans | $397,067,667 | 1,388 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7376% | 1,200 |
| Cost of funding earning assets | 0.4135% | 804 |
| Net interest margin | 3.3241% | 1,516 |
| Noninterest income to average assets | 0.4239% | 2,532 |
| Noninterest expense to average assets | 2.0525% | 3,288 |
| Loan and lease loss provision to assets | 0.0437% | 1,570 |
| Net operating income to assets | 1.4003% | 798 |
| Return on assets (ROA) | 1.4003% | 793 |
| Pretax return on assets | 1.4003% | 1,255 |
| Return on Equity (ROE) | 15.3385% | 605 |
| Retained earnings to average equity (ytd only) | 13.3738% | 434 |
| Net charge-offs to loans | -0.0052% | 3,350 |
| Credit loss provision to net charge-offs | -1,340.0000% | 3,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8623% | 3,698 |
| Assets per employee ($millions) | 6.3559% | 2,494 |
| Cash dividends to net income (ytd only)* | 12.8086% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,057 |
| Loan loss allowance to noncurrent loans | 164.6949% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 1,716 |
| Noncurrent loans to loans | 0.5432% | 1,683 |
| Net loans and leases to total assets | 63.5330% | 1,682 |
| Net loans and leases to deposits | 69.8669% | 1,979 |
| Net loans and leases to core deposits | 75.4887% | 1,810 |
| Total domestic deposits to total assets | 90.9343% | 1,070 |
| Equity capital to assets | 8.7868% | 2,893 |
| Core capital (leverage) ratio | 8.3959% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $613,289,500 | 1,471 |
| Average earning assets | $566,890,000 | 1,489 |
| Average equity | $55,990,000 | 1,572 |
| Average total loans | $385,653,000 | 1,410 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1498% | 1,085 |
| Cost of funding earning assets | 0.5931% | 560 |
| Net interest margin | 3.5567% | 1,585 |
| Noninterest income to average assets | 0.4914% | 2,615 |
| Noninterest expense to average assets | 2.1317% | 3,299 |
| Loan and lease loss provision to assets | 0.0954% | 1,310 |
| Net operating income to assets | 1.5074% | 994 |
| Return on assets (ROA) | 1.5074% | 1,040 |
| Pretax return on assets | 1.5074% | 1,697 |
| Return on Equity (ROE) | 14.6078% | 1,046 |
| Retained earnings to average equity (ytd only) | 7.8961% | 1,583 |
| Net charge-offs to loans | 0.0346% | 1,544 |
| Credit loss provision to net charge-offs | 421.6000% | 886 |
| Earnings coverage of net charge-offs (x) | 70.8160% | 1,067 |
| Efficiency ratio | 56.2085% | 3,683 |
| Assets per employee ($millions) | 6.4216% | 2,396 |
| Cash dividends to net income (ytd only)* | 45.9459% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9211% | 4,010 |
| Loan loss allowance to noncurrent loans | 153.7506% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 1,745 |
| Noncurrent loans to loans | 0.5991% | 1,634 |
| Net loans and leases to total assets | 61.0781% | 2,050 |
| Net loans and leases to deposits | 68.0331% | 2,310 |
| Net loans and leases to core deposits | 72.5202% | 2,206 |
| Total domestic deposits to total assets | 89.7770% | 1,073 |
| Equity capital to assets | 9.4757% | 3,166 |
| Core capital (leverage) ratio | 8.4100% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,273,200 | 1,570 |
| Average earning assets | $503,588,600 | 1,596 |
| Average equity | $56,990,000 | 1,582 |
| Average total loans | $360,821,400 | 1,488 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 1,253 |
| Cost of funding earning assets | 0.6023% | 635 |
| Net interest margin | 3.5208% | 1,813 |
| Noninterest income to average assets | 0.5139% | 2,563 |
| Noninterest expense to average assets | 2.1045% | 3,347 |
| Loan and lease loss provision to assets | 0.0878% | 1,356 |
| Net operating income to assets | 1.5303% | 1,193 |
| Return on assets (ROA) | 1.5303% | 1,241 |
| Pretax return on assets | 1.5303% | 1,902 |
| Return on Equity (ROE) | 14.4939% | 1,260 |
| Retained earnings to average equity (ytd only) | 13.6134% | 554 |
| Net charge-offs to loans | 0.0291% | 1,468 |
| Credit loss provision to net charge-offs | 453.8462% | 806 |
| Earnings coverage of net charge-offs (x) | 83.6795% | 956 |
| Efficiency ratio | 55.6340% | 3,575 |
| Assets per employee ($millions) | 5.7499% | 2,936 |
| Cash dividends to net income (ytd only)* | 6.0748% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,100 |
| Loan loss allowance to noncurrent loans | 180.7796% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 2,141 |
| Noncurrent loans to loans | 0.5094% | 2,032 |
| Net loans and leases to total assets | 63.7582% | 1,799 |
| Net loans and leases to deposits | 72.1500% | 2,039 |
| Net loans and leases to core deposits | 77.0736% | 1,956 |
| Total domestic deposits to total assets | 88.3691% | 1,637 |
| Equity capital to assets | 10.6020% | 2,362 |
| Core capital (leverage) ratio | 9.1742% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $537,827,750 | 1,615 |
| Average earning assets | $490,140,500 | 1,648 |
| Average equity | $56,785,750 | 1,607 |
| Average total loans | $357,008,250 | 1,526 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 1,486 |
| Cost of funding earning assets | 0.6245% | 655 |
| Net interest margin | 3.4089% | 2,116 |
| Noninterest income to average assets | 0.4531% | 2,830 |
| Noninterest expense to average assets | 2.0874% | 3,421 |
| Loan and lease loss provision to assets | 0.0862% | 1,424 |
| Net operating income to assets | 1.3921% | 1,583 |
| Return on assets (ROA) | 1.3921% | 1,656 |
| Pretax return on assets | 1.3921% | 2,362 |
| Return on Equity (ROE) | 13.2041% | 1,645 |
| Retained earnings to average equity (ytd only) | 12.2185% | 870 |
| Net charge-offs to loans | 0.0439% | 1,195 |
| Credit loss provision to net charge-offs | 292.3077% | 903 |
| Earnings coverage of net charge-offs (x) | 50.1538% | 1,068 |
| Efficiency ratio | 57.5880% | 3,332 |
| Assets per employee ($millions) | 5.8664% | 2,747 |
| Cash dividends to net income (ytd only)* | 7.4647% | 2,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 4,205 |
| Loan loss allowance to noncurrent loans | 171.0330% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 2,230 |
| Noncurrent loans to loans | 0.5156% | 2,130 |
| Net loans and leases to total assets | 65.4653% | 1,757 |
| Net loans and leases to deposits | 73.9649% | 2,004 |
| Net loans and leases to core deposits | 79.4133% | 1,933 |
| Total domestic deposits to total assets | 88.5086% | 1,555 |
| Equity capital to assets | 10.4163% | 2,473 |
| Core capital (leverage) ratio | 8.9269% | 3,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $529,274,333 | 1,627 |
| Average earning assets | $483,258,667 | 1,652 |
| Average equity | $55,800,667 | 1,620 |
| Average total loans | $355,141,333 | 1,539 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 1,696 |
| Cost of funding earning assets | 0.6309% | 756 |
| Net interest margin | 3.3232% | 2,320 |
| Noninterest income to average assets | 0.4037% | 3,067 |
| Noninterest expense to average assets | 2.0687% | 3,514 |
| Loan and lease loss provision to assets | 0.0880% | 1,499 |
| Net operating income to assets | 1.2883% | 1,865 |
| Return on assets (ROA) | 1.2883% | 1,935 |
| Pretax return on assets | 1.2883% | 2,599 |
| Return on Equity (ROE) | 12.1424% | 1,967 |
| Retained earnings to average equity (ytd only) | 12.1424% | 1,112 |
| Net charge-offs to loans | 0.1015% | 679 |
| Credit loss provision to net charge-offs | 128.0899% | 1,026 |
| Earnings coverage of net charge-offs (x) | 20.0337% | 1,253 |
| Efficiency ratio | 59.0410% | 3,154 |
| Assets per employee ($millions) | 5.7981% | 2,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8736% | 4,232 |
| Loan loss allowance to noncurrent loans | 165.4341% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 2,066 |
| Noncurrent loans to loans | 0.5281% | 2,269 |
| Net loans and leases to total assets | 64.9601% | 1,925 |
| Net loans and leases to deposits | 73.8620% | 2,133 |
| Net loans and leases to core deposits | 79.7836% | 2,025 |
| Total domestic deposits to total assets | 87.9479% | 1,871 |
| Equity capital to assets | 10.3259% | 2,417 |
| Core capital (leverage) ratio | 9.0933% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $518,189,000 | 1,647 |
| Average earning assets | $474,242,000 | 1,668 |
| Average equity | $54,981,000 | 1,633 |
| Average total loans | $350,603,500 | 1,564 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 1,166 |
| Cost of funding earning assets | 0.8876% | 890 |
| Net interest margin | 3.6777% | 1,881 |
| Noninterest income to average assets | 0.4606% | 2,815 |
| Noninterest expense to average assets | 2.2944% | 3,414 |
| Loan and lease loss provision to assets | 0.1370% | 2,647 |
| Net operating income to assets | 1.4124% | 993 |
| Return on assets (ROA) | 1.4124% | 1,076 |
| Pretax return on assets | 1.4124% | 1,620 |
| Return on Equity (ROE) | 13.0722% | 1,025 |
| Retained earnings to average equity (ytd only) | 6.2108% | 1,701 |
| Net charge-offs to loans | 0.1184% | 1,304 |
| Credit loss provision to net charge-offs | 156.3187% | 2,387 |
| Earnings coverage of net charge-offs (x) | 17.6786% | 2,066 |
| Efficiency ratio | 59.0328% | 3,586 |
| Assets per employee ($millions) | 5.7144% | 2,608 |
| Cash dividends to net income (ytd only)* | 52.4889% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 4,247 |
| Loan loss allowance to noncurrent loans | 165.3348% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 2,038 |
| Noncurrent loans to loans | 0.5324% | 2,385 |
| Net loans and leases to total assets | 69.3503% | 1,639 |
| Net loans and leases to deposits | 79.3497% | 1,942 |
| Net loans and leases to core deposits | 86.2430% | 1,848 |
| Total domestic deposits to total assets | 87.3982% | 1,744 |
| Equity capital to assets | 10.9186% | 2,326 |
| Core capital (leverage) ratio | 9.2719% | 3,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $415,314,400 | 1,809 |
| Average earning assets | $382,054,800 | 1,823 |
| Average equity | $44,873,800 | 1,853 |
| Average total loans | $307,336,200 | 1,656 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,307 |
| Cost of funding earning assets | 0.9626% | 871 |
| Net interest margin | 3.6378% | 2,128 |
| Noninterest income to average assets | 0.6716% | 1,897 |
| Noninterest expense to average assets | 2.3110% | 3,396 |
| Loan and lease loss provision to assets | 0.1520% | 2,491 |
| Net operating income to assets | 1.5496% | 813 |
| Return on assets (ROA) | 1.5496% | 889 |
| Pretax return on assets | 1.5496% | 1,330 |
| Return on Equity (ROE) | 14.3891% | 813 |
| Retained earnings to average equity (ytd only) | 14.0129% | 254 |
| Net charge-offs to loans | 0.1279% | 1,116 |
| Credit loss provision to net charge-offs | 157.8947% | 2,284 |
| Earnings coverage of net charge-offs (x) | 17.6807% | 1,998 |
| Efficiency ratio | 57.5949% | 3,721 |
| Assets per employee ($millions) | 5.9358% | 2,320 |
| Cash dividends to net income (ytd only)* | 2.6149% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,178 |
| Loan loss allowance to noncurrent loans | 140.1670% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.5991% | 1,933 |
| Noncurrent loans to loans | 0.6170% | 2,257 |
| Net loans and leases to total assets | 71.1733% | 1,792 |
| Net loans and leases to deposits | 82.2128% | 2,073 |
| Net loans and leases to core deposits | 89.0317% | 2,061 |
| Total domestic deposits to total assets | 86.5721% | 1,829 |
| Equity capital to assets | 11.4934% | 2,011 |
| Core capital (leverage) ratio | 11.7310% | 1,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,854,750 | 1,862 |
| Average earning assets | $362,629,500 | 1,872 |
| Average equity | $42,521,750 | 1,907 |
| Average total loans | $297,210,500 | 1,691 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5577% | 1,766 |
| Cost of funding earning assets | 1.0769% | 773 |
| Net interest margin | 3.4808% | 2,855 |
| Noninterest income to average assets | 0.3481% | 3,392 |
| Noninterest expense to average assets | 2.0992% | 4,031 |
| Loan and lease loss provision to assets | 0.1840% | 2,182 |
| Net operating income to assets | 1.2739% | 1,424 |
| Return on assets (ROA) | 1.2739% | 1,545 |
| Pretax return on assets | 1.2739% | 2,116 |
| Return on Equity (ROE) | 12.1950% | 1,286 |
| Retained earnings to average equity (ytd only) | 11.5642% | 520 |
| Net charge-offs to loans | 0.1801% | 837 |
| Credit loss provision to net charge-offs | 132.9365% | 2,219 |
| Earnings coverage of net charge-offs (x) | 10.5357% | 2,144 |
| Efficiency ratio | 58.7836% | 3,583 |
| Assets per employee ($millions) | 5.8706% | 2,299 |
| Cash dividends to net income (ytd only)* | 5.1724% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 4,205 |
| Loan loss allowance to noncurrent loans | 166.4403% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 1,606 |
| Noncurrent loans to loans | 0.5076% | 2,627 |
| Net loans and leases to total assets | 70.8388% | 1,903 |
| Net loans and leases to deposits | 81.3367% | 2,272 |
| Net loans and leases to core deposits | 88.0609% | 2,242 |
| Total domestic deposits to total assets | 87.0933% | 1,577 |
| Equity capital to assets | 11.0123% | 2,333 |
| Core capital (leverage) ratio | 12.9983% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,228,667 | 1,945 |
| Average earning assets | $335,781,000 | 1,958 |
| Average equity | $38,048,333 | 2,080 |
| Average total loans | $279,798,667 | 1,750 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1996% | 659 |
| Cost of funding earning assets | 1.3802% | 434 |
| Net interest margin | 3.8194% | 1,904 |
| Noninterest income to average assets | 0.3766% | 3,257 |
| Noninterest expense to average assets | 2.2979% | 3,776 |
| Loan and lease loss provision to assets | 0.1454% | 1,938 |
| Net operating income to assets | 1.4694% | 837 |
| Return on assets (ROA) | 1.4694% | 913 |
| Pretax return on assets | 1.4694% | 1,387 |
| Return on Equity (ROE) | 14.7073% | 589 |
| Retained earnings to average equity (ytd only) | 13.1202% | 309 |
| Net charge-offs to loans | 0.2866% | 511 |
| Credit loss provision to net charge-offs | 62.5000% | 2,009 |
| Earnings coverage of net charge-offs (x) | 6.9432% | 1,956 |
| Efficiency ratio | 58.7302% | 3,910 |
| Assets per employee ($millions) | 5.6947% | 1,933 |
| Cash dividends to net income (ytd only)* | 10.7914% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,074 |
| Loan loss allowance to noncurrent loans | 98.3433% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.6542% | 607 |
| Noncurrent loans to loans | 1.1423% | 1,457 |
| Net loans and leases to total assets | 78.4059% | 920 |
| Net loans and leases to deposits | 92.8626% | 1,197 |
| Net loans and leases to core deposits | 103.3212% | 1,227 |
| Total domestic deposits to total assets | 84.4322% | 2,624 |
| Equity capital to assets | 9.7928% | 3,961 |
| Core capital (leverage) ratio | 9.8990% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $302,714,500 | 2,197 |
| Average earning assets | $280,253,000 | 2,195 |
| Average equity | $30,243,500 | 2,439 |
| Average total loans | $245,644,000 | 1,894 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3018% | 815 |
| Cost of funding earning assets | 1.4218% | 518 |
| Net interest margin | 3.8801% | 2,238 |
| Noninterest income to average assets | 0.3626% | 3,534 |
| Noninterest expense to average assets | 2.3531% | 3,818 |
| Loan and lease loss provision to assets | 0.1739% | 1,202 |
| Net operating income to assets | 1.4396% | 1,221 |
| Return on assets (ROA) | 1.4396% | 1,282 |
| Pretax return on assets | 1.4396% | 2,011 |
| Return on Equity (ROE) | 14.4139% | 814 |
| Retained earnings to average equity (ytd only) | 7.2499% | 1,279 |
| Net charge-offs to loans | 0.1056% | 1,670 |
| Credit loss provision to net charge-offs | 201.9920% | 1,314 |
| Earnings coverage of net charge-offs (x) | 18.7410% | 2,040 |
| Efficiency ratio | 59.3220% | 3,788 |
| Assets per employee ($millions) | 5.3131% | 2,232 |
| Cash dividends to net income (ytd only)* | 49.7022% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,565 |
| Loan loss allowance to noncurrent loans | 136.2423% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.5198% | 664 |
| Noncurrent loans to loans | 0.8632% | 1,784 |
| Net loans and leases to total assets | 82.1527% | 541 |
| Net loans and leases to deposits | 98.1676% | 748 |
| Net loans and leases to core deposits | 110.1377% | 844 |
| Total domestic deposits to total assets | 83.6862% | 2,959 |
| Equity capital to assets | 10.2030% | 3,729 |
| Core capital (leverage) ratio | 10.1405% | 3,364 |
| Tier 1 risk-based capital ratio | 12.8996% | 3,843 |
| Total risk-based capital ratio | 14.1453% | 3,722 |
| Memoranda: | ||
| Average total assets | $291,529,200 | 2,212 |
| Average earning assets | $270,792,600 | 2,202 |
| Average equity | $29,117,800 | 2,439 |
| Average total loans | $237,750,600 | 1,902 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2734% | 912 |
| Cost of funding earning assets | 1.4368% | 504 |
| Net interest margin | 3.8366% | 2,483 |
| Noninterest income to average assets | 0.3656% | 3,528 |
| Noninterest expense to average assets | 2.3572% | 3,804 |
| Loan and lease loss provision to assets | 0.2137% | 808 |
| Net operating income to assets | 1.3605% | 1,612 |
| Return on assets (ROA) | 1.3605% | 1,677 |
| Pretax return on assets | 1.3605% | 2,460 |
| Return on Equity (ROE) | 13.6953% | 1,050 |
| Retained earnings to average equity (ytd only) | 13.1425% | 266 |
| Net charge-offs to loans | 0.1990% | 874 |
| Credit loss provision to net charge-offs | 132.2946% | 1,801 |
| Earnings coverage of net charge-offs (x) | 9.7451% | 2,549 |
| Efficiency ratio | 59.9581% | 3,657 |
| Assets per employee ($millions) | 5.3129% | 2,204 |
| Cash dividends to net income (ytd only)* | 4.0364% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 2,882 |
| Loan loss allowance to noncurrent loans | 140.3826% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 702 |
| Noncurrent loans to loans | 0.8037% | 1,963 |
| Net loans and leases to total assets | 81.4210% | 639 |
| Net loans and leases to deposits | 97.7000% | 851 |
| Net loans and leases to core deposits | 110.5961% | 921 |
| Total domestic deposits to total assets | 83.3378% | 3,050 |
| Equity capital to assets | 10.4520% | 3,585 |
| Core capital (leverage) ratio | 10.3088% | 3,305 |
| Tier 1 risk-based capital ratio | 13.3490% | 3,658 |
| Total risk-based capital ratio | 14.5440% | 3,593 |
| Memoranda: | ||
| Average total assets | $291,357,000 | 2,229 |
| Average earning assets | $270,787,250 | 2,222 |
| Average equity | $28,943,500 | 2,465 |
| Average total loans | $236,457,750 | 1,921 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 924 |
| Cost of funding earning assets | 1.4159% | 504 |
| Net interest margin | 3.8150% | 2,537 |
| Noninterest income to average assets | 0.3642% | 3,500 |
| Noninterest expense to average assets | 2.3431% | 3,883 |
| Loan and lease loss provision to assets | 0.2426% | 639 |
| Net operating income to assets | 1.3275% | 1,667 |
| Return on assets (ROA) | 1.3275% | 1,725 |
| Pretax return on assets | 1.3275% | 2,448 |
| Return on Equity (ROE) | 13.6005% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.1781% | 288 |
| Net charge-offs to loans | 0.2748% | 617 |
| Credit loss provision to net charge-offs | 109.2879% | 1,850 |
| Earnings coverage of net charge-offs (x) | 7.0743% | 2,520 |
| Efficiency ratio | 59.8771% | 3,744 |
| Assets per employee ($millions) | 5.3406% | 2,109 |
| Cash dividends to net income (ytd only)* | 3.1056% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1211% | 2,952 |
| Loan loss allowance to noncurrent loans | 104.5292% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3345% | 933 |
| Noncurrent loans to loans | 1.0726% | 1,528 |
| Net loans and leases to total assets | 78.9966% | 1,041 |
| Net loans and leases to deposits | 94.2689% | 1,230 |
| Net loans and leases to core deposits | 108.5867% | 1,055 |
| Total domestic deposits to total assets | 83.7993% | 2,948 |
| Equity capital to assets | 10.0445% | 3,940 |
| Core capital (leverage) ratio | 9.9046% | 3,698 |
| Tier 1 risk-based capital ratio | 13.4253% | 3,620 |
| Total risk-based capital ratio | 14.6288% | 3,543 |
| Memoranda: | ||
| Average total assets | $291,072,000 | 2,229 |
| Average earning assets | $270,773,670 | 2,224 |
| Average equity | $28,410,670 | 2,488 |
| Average total loans | $235,064,670 | 1,942 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1150% | 1,068 |
| Cost of funding earning assets | 1.3864% | 482 |
| Net interest margin | 3.7286% | 2,788 |
| Noninterest income to average assets | 0.3658% | 3,405 |
| Noninterest expense to average assets | 2.3207% | 3,967 |
| Loan and lease loss provision to assets | 0.1574% | 1,071 |
| Net operating income to assets | 1.3667% | 1,468 |
| Return on assets (ROA) | 1.3667% | 1,511 |
| Pretax return on assets | 1.3667% | 2,206 |
| Return on Equity (ROE) | 14.2119% | 921 |
| Retained earnings to average equity (ytd only) | 13.3506% | 422 |
| Net charge-offs to loans | 0.0867% | 1,234 |
| Credit loss provision to net charge-offs | 223.5294% | 982 |
| Earnings coverage of net charge-offs (x) | 21.6471% | 1,524 |
| Efficiency ratio | 60.3591% | 3,759 |
| Assets per employee ($millions) | 5.4139% | 2,061 |
| Cash dividends to net income (ytd only)* | 6.0606% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1315% | 2,959 |
| Loan loss allowance to noncurrent loans | 67.5456% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.3444% | 950 |
| Noncurrent loans to loans | 1.6751% | 927 |
| Net loans and leases to total assets | 78.1785% | 1,118 |
| Net loans and leases to deposits | 94.1044% | 1,165 |
| Net loans and leases to core deposits | 108.5067% | 1,022 |
| Total domestic deposits to total assets | 83.0764% | 3,354 |
| Equity capital to assets | 9.5502% | 4,207 |
| Core capital (leverage) ratio | 9.7278% | 3,889 |
| Tier 1 risk-based capital ratio | 12.9406% | 3,906 |
| Total risk-based capital ratio | 14.1542% | 3,823 |
| Memoranda: | ||
| Average total assets | $289,741,000 | 2,251 |
| Average earning assets | $270,343,000 | 2,240 |
| Average equity | $27,864,000 | 2,529 |
| Average total loans | $235,261,500 | 1,957 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 876 |
| Cost of funding earning assets | 1.0897% | 516 |
| Net interest margin | 3.9947% | 1,998 |
| Noninterest income to average assets | 0.3627% | 3,669 |
| Noninterest expense to average assets | 2.3285% | 4,051 |
| Loan and lease loss provision to assets | 0.4103% | 328 |
| Net operating income to assets | 1.3510% | 1,613 |
| Return on assets (ROA) | 1.3492% | 1,607 |
| Pretax return on assets | 1.3492% | 2,318 |
| Return on Equity (ROE) | 13.9353% | 1,061 |
| Retained earnings to average equity (ytd only) | 7.4993% | 1,457 |
| Net charge-offs to loans | 0.5231% | 339 |
| Credit loss provision to net charge-offs | 94.9495% | 2,638 |
| Earnings coverage of net charge-offs (x) | 4.0758% | 3,337 |
| Efficiency ratio | 56.9332% | 4,290 |
| Assets per employee ($millions) | 5.1222% | 2,358 |
| Cash dividends to net income (ytd only)* | 46.1850% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 3,054 |
| Loan loss allowance to noncurrent loans | 85.5592% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.1125% | 1,204 |
| Noncurrent loans to loans | 1.2932% | 1,223 |
| Net loans and leases to total assets | 82.5188% | 585 |
| Net loans and leases to deposits | 99.8926% | 754 |
| Net loans and leases to core deposits | 115.6002% | 701 |
| Total domestic deposits to total assets | 82.6076% | 3,451 |
| Equity capital to assets | 9.6873% | 3,970 |
| Core capital (leverage) ratio | 9.8277% | 3,769 |
| Tier 1 risk-based capital ratio | 12.9659% | 3,861 |
| Total risk-based capital ratio | 14.1934% | 3,764 |
| Memoranda: | ||
| Average total assets | $274,898,000 | 2,296 |
| Average earning assets | $256,492,000 | 2,291 |
| Average equity | $26,615,800 | 2,530 |
| Average total loans | $227,101,600 | 1,974 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 852 |
| Cost of funding earning assets | 1.0316% | 518 |
| Net interest margin | 4.0135% | 1,917 |
| Noninterest income to average assets | 0.3680% | 3,666 |
| Noninterest expense to average assets | 2.3504% | 3,976 |
| Loan and lease loss provision to assets | 0.4334% | 282 |
| Net operating income to assets | 1.3285% | 1,748 |
| Return on assets (ROA) | 1.3285% | 1,759 |
| Pretax return on assets | 1.3285% | 2,514 |
| Return on Equity (ROE) | 13.7227% | 1,193 |
| Retained earnings to average equity (ytd only) | 13.2186% | 336 |
| Net charge-offs to loans | 0.6551% | 218 |
| Credit loss provision to net charge-offs | 80.2893% | 2,524 |
| Earnings coverage of net charge-offs (x) | 3.2640% | 3,177 |
| Efficiency ratio | 57.1564% | 4,232 |
| Assets per employee ($millions) | 5.0942% | 2,346 |
| Cash dividends to net income (ytd only)* | 3.6738% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 3,395 |
| Loan loss allowance to noncurrent loans | 129.5864% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.6810% | 2,156 |
| Noncurrent loans to loans | 0.8202% | 2,068 |
| Net loans and leases to total assets | 81.1986% | 849 |
| Net loans and leases to deposits | 98.7889% | 883 |
| Net loans and leases to core deposits | 116.7203% | 681 |
| Total domestic deposits to total assets | 82.1940% | 3,549 |
| Equity capital to assets | 9.9065% | 3,729 |
| Core capital (leverage) ratio | 10.2549% | 3,347 |
| Tier 1 risk-based capital ratio | 13.4716% | 3,641 |
| Total risk-based capital ratio | 14.6432% | 3,607 |
| Memoranda: | ||
| Average total assets | $273,192,500 | 2,319 |
| Average earning assets | $254,867,250 | 2,315 |
| Average equity | $26,447,000 | 2,556 |
| Average total loans | $225,108,750 | 1,992 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 811 |
| Cost of funding earning assets | 0.9738% | 529 |
| Net interest margin | 4.0302% | 1,761 |
| Noninterest income to average assets | 0.3581% | 3,759 |
| Noninterest expense to average assets | 2.3525% | 4,016 |
| Loan and lease loss provision to assets | 0.5560% | 193 |
| Net operating income to assets | 1.2176% | 2,115 |
| Return on assets (ROA) | 1.2176% | 2,111 |
| Pretax return on assets | 1.2176% | 2,878 |
| Return on Equity (ROE) | 12.6794% | 1,483 |
| Retained earnings to average equity (ytd only) | 12.2181% | 489 |
| Net charge-offs to loans | 0.9656% | 139 |
| Credit loss provision to net charge-offs | 69.7868% | 2,349 |
| Earnings coverage of net charge-offs (x) | 2.2261% | 2,990 |
| Efficiency ratio | 57.0150% | 4,357 |
| Assets per employee ($millions) | 4.8837% | 2,585 |
| Cash dividends to net income (ytd only)* | 3.6386% | 3,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,685 |
| Loan loss allowance to noncurrent loans | 122.3795% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,000 |
| Noncurrent loans to loans | 0.8375% | 2,050 |
| Net loans and leases to total assets | 83.9515% | 465 |
| Net loans and leases to deposits | 102.5952% | 618 |
| Net loans and leases to core deposits | 121.6672% | 530 |
| Total domestic deposits to total assets | 81.8280% | 3,776 |
| Equity capital to assets | 9.9905% | 3,630 |
| Core capital (leverage) ratio | 9.8649% | 3,717 |
| Tier 1 risk-based capital ratio | 13.1039% | 3,845 |
| Total risk-based capital ratio | 14.2342% | 3,825 |
| Memoranda: | ||
| Average total assets | $270,863,000 | 2,344 |
| Average earning assets | $253,235,670 | 2,335 |
| Average equity | $26,010,670 | 2,588 |
| Average total loans | $223,496,000 | 1,999 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 940 |
| Cost of funding earning assets | 0.9380% | 494 |
| Net interest margin | 3.9262% | 1,945 |
| Noninterest income to average assets | 0.3338% | 3,922 |
| Noninterest expense to average assets | 2.3648% | 4,031 |
| Loan and lease loss provision to assets | 1.0044% | 83 |
| Net operating income to assets | 0.6397% | 4,313 |
| Return on assets (ROA) | 0.6397% | 4,326 |
| Pretax return on assets | 0.6397% | 4,593 |
| Return on Equity (ROE) | 6.7973% | 3,862 |
| Retained earnings to average equity (ytd only) | 5.8597% | 2,776 |
| Net charge-offs to loans | 1.8416% | 69 |
| Credit loss provision to net charge-offs | 67.0265% | 1,850 |
| Earnings coverage of net charge-offs (x) | 1.0972% | 2,589 |
| Efficiency ratio | 58.9875% | 4,222 |
| Assets per employee ($millions) | 4.9634% | 2,529 |
| Cash dividends to net income (ytd only)* | 13.7931% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,561 |
| Loan loss allowance to noncurrent loans | 75.1778% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1755% | 1,304 |
| Noncurrent loans to loans | 1.4201% | 1,250 |
| Net loans and leases to total assets | 78.9569% | 1,090 |
| Net loans and leases to deposits | 94.5297% | 1,181 |
| Net loans and leases to core deposits | 111.7307% | 902 |
| Total domestic deposits to total assets | 83.5260% | 3,492 |
| Equity capital to assets | 9.3979% | 4,185 |
| Core capital (leverage) ratio | 9.4277% | 4,150 |
| Tier 1 risk-based capital ratio | 11.6627% | 4,764 |
| Total risk-based capital ratio | 12.7120% | 4,778 |
| Memoranda: | ||
| Average total assets | $271,992,000 | 2,354 |
| Average earning assets | $254,597,500 | 2,339 |
| Average equity | $25,598,500 | 2,648 |
| Average total loans | $221,327,500 | 2,026 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9186% | 767 |
| Cost of funding earning assets | 0.8400% | 503 |
| Net interest margin | 4.0785% | 1,511 |
| Noninterest income to average assets | 0.3480% | 3,972 |
| Noninterest expense to average assets | 2.4058% | 4,061 |
| Loan and lease loss provision to assets | 0.1180% | 1,931 |
| Net operating income to assets | 1.6411% | 596 |
| Return on assets (ROA) | 1.6517% | 599 |
| Pretax return on assets | 1.6528% | 1,144 |
| Return on Equity (ROE) | 17.4891% | 348 |
| Retained earnings to average equity (ytd only) | 9.8216% | 381 |
| Net charge-offs to loans | 0.0807% | 2,301 |
| Credit loss provision to net charge-offs | 177.7143% | 1,521 |
| Earnings coverage of net charge-offs (x) | 26.5029% | 1,672 |
| Efficiency ratio | 57.7480% | 4,557 |
| Assets per employee ($millions) | 4.9272% | 2,567 |
| Cash dividends to net income (ytd only)* | 43.8419% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,871 |
| Loan loss allowance to noncurrent loans | 192.6194% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 2,804 |
| Noncurrent loans to loans | 0.6148% | 2,694 |
| Net loans and leases to total assets | 81.9659% | 686 |
| Net loans and leases to deposits | 98.1642% | 890 |
| Net loans and leases to core deposits | 118.4616% | 633 |
| Total domestic deposits to total assets | 83.4987% | 3,384 |
| Equity capital to assets | 9.4252% | 4,297 |
| Core capital (leverage) ratio | 9.4119% | 4,147 |
| Tier 1 risk-based capital ratio | 12.8339% | 4,013 |
| Total risk-based capital ratio | 14.0846% | 3,910 |
| Memoranda: | ||
| Average total assets | $263,487,200 | 2,379 |
| Average earning assets | $246,657,800 | 2,369 |
| Average equity | $24,884,000 | 2,683 |
| Average total loans | $216,913,600 | 2,021 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 755 |
| Cost of funding earning assets | 0.8145% | 526 |
| Net interest margin | 4.0876% | 1,422 |
| Noninterest income to average assets | 0.3557% | 3,989 |
| Noninterest expense to average assets | 2.4229% | 3,955 |
| Loan and lease loss provision to assets | 0.1371% | 1,564 |
| Net operating income to assets | 1.6212% | 682 |
| Return on assets (ROA) | 1.6355% | 680 |
| Pretax return on assets | 1.6365% | 1,292 |
| Return on Equity (ROE) | 17.3084% | 392 |
| Retained earnings to average equity (ytd only) | 16.9848% | 78 |
| Net charge-offs to loans | 0.0031% | 3,634 |
| Credit loss provision to net charge-offs | 5,380.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 690.0375% | 148 |
| Efficiency ratio | 57.9332% | 4,511 |
| Assets per employee ($millions) | 4.8816% | 2,596 |
| Cash dividends to net income (ytd only)* | 1.8698% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,445 |
| Loan loss allowance to noncurrent loans | 245.9436% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.4429% | 3,264 |
| Noncurrent loans to loans | 0.5213% | 3,138 |
| Net loans and leases to total assets | 79.9771% | 989 |
| Net loans and leases to deposits | 96.4554% | 1,071 |
| Net loans and leases to core deposits | 116.7831% | 716 |
| Total domestic deposits to total assets | 82.9162% | 3,482 |
| Equity capital to assets | 9.8444% | 4,093 |
| Core capital (leverage) ratio | 9.8941% | 3,705 |
| Tier 1 risk-based capital ratio | 13.4878% | 3,715 |
| Total risk-based capital ratio | 14.7399% | 3,623 |
| Memoranda: | ||
| Average total assets | $261,609,750 | 2,417 |
| Average earning assets | $244,897,000 | 2,398 |
| Average equity | $24,719,500 | 2,714 |
| Average total loans | $214,945,250 | 2,044 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 720 |
| Cost of funding earning assets | 0.7966% | 535 |
| Net interest margin | 4.0884% | 1,359 |
| Noninterest income to average assets | 0.3617% | 3,971 |
| Noninterest expense to average assets | 2.4626% | 3,883 |
| Loan and lease loss provision to assets | 0.1435% | 1,423 |
| Net operating income to assets | 1.5826% | 738 |
| Return on assets (ROA) | 1.6042% | 724 |
| Pretax return on assets | 1.6050% | 1,328 |
| Return on Equity (ROE) | 17.2264% | 395 |
| Retained earnings to average equity (ytd only) | 17.2264% | 87 |
| Net charge-offs to loans | 0.0532% | 2,162 |
| Credit loss provision to net charge-offs | 326.3158% | 905 |
| Earnings coverage of net charge-offs (x) | 39.2807% | 1,265 |
| Efficiency ratio | 58.7813% | 4,494 |
| Assets per employee ($millions) | 4.7906% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,951 |
| Loan loss allowance to noncurrent loans | 293.2597% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 3,614 |
| Noncurrent loans to loans | 0.4129% | 3,547 |
| Net loans and leases to total assets | 82.1823% | 642 |
| Net loans and leases to deposits | 98.9612% | 815 |
| Net loans and leases to core deposits | 120.7436% | 527 |
| Total domestic deposits to total assets | 83.0450% | 3,553 |
| Equity capital to assets | 9.6355% | 4,283 |
| Core capital (leverage) ratio | 9.6917% | 3,903 |
| Tier 1 risk-based capital ratio | 12.8867% | 4,070 |
| Total risk-based capital ratio | 14.1381% | 3,983 |
| Memoranda: | ||
| Average total assets | $259,317,000 | 2,443 |
| Average earning assets | $242,786,670 | 2,425 |
| Average equity | $24,149,000 | 2,765 |
| Average total loans | $214,087,670 | 2,055 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 711 |
| Cost of funding earning assets | 0.7827% | 543 |
| Net interest margin | 4.0429% | 1,363 |
| Noninterest income to average assets | 0.3499% | 4,041 |
| Noninterest expense to average assets | 2.5424% | 3,684 |
| Loan and lease loss provision to assets | 0.1446% | 1,293 |
| Net operating income to assets | 1.4462% | 900 |
| Return on assets (ROA) | 1.4462% | 923 |
| Pretax return on assets | 1.4462% | 1,708 |
| Return on Equity (ROE) | 15.8099% | 548 |
| Retained earnings to average equity (ytd only) | 15.8099% | 205 |
| Net charge-offs to loans | 0.0321% | 2,128 |
| Credit loss provision to net charge-offs | 547.0588% | 542 |
| Earnings coverage of net charge-offs (x) | 60.1765% | 801 |
| Efficiency ratio | 61.5124% | 4,226 |
| Assets per employee ($millions) | 4.7123% | 2,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 3,018 |
| Loan loss allowance to noncurrent loans | 158.6943% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6644% | 2,641 |
| Noncurrent loans to loans | 0.7681% | 2,553 |
| Net loans and leases to total assets | 81.3258% | 650 |
| Net loans and leases to deposits | 94.1309% | 1,093 |
| Net loans and leases to core deposits | 114.5216% | 651 |
| Total domestic deposits to total assets | 86.3965% | 2,496 |
| Equity capital to assets | 9.2987% | 4,517 |
| Core capital (leverage) ratio | 9.2884% | 4,363 |
| Tier 1 risk-based capital ratio | 12.9794% | 4,090 |
| Total risk-based capital ratio | 14.2309% | 3,989 |
| Memoranda: | ||
| Average total assets | $257,233,000 | 2,484 |
| Average earning assets | $240,716,000 | 2,463 |
| Average equity | $23,529,500 | 2,840 |
| Average total loans | $211,535,500 | 2,085 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 655 |
| Cost of funding earning assets | 0.7329% | 688 |
| Net interest margin | 4.2181% | 1,074 |
| Noninterest income to average assets | 0.3657% | 4,130 |
| Noninterest expense to average assets | 2.5975% | 3,680 |
| Loan and lease loss provision to assets | 0.0859% | 2,644 |
| Net operating income to assets | 1.6350% | 631 |
| Return on assets (ROA) | 1.6555% | 631 |
| Pretax return on assets | 1.6555% | 1,120 |
| Return on Equity (ROE) | 17.8037% | 340 |
| Retained earnings to average equity (ytd only) | 9.8323% | 434 |
| Net charge-offs to loans | 0.0441% | 3,154 |
| Credit loss provision to net charge-offs | 235.9551% | 1,224 |
| Earnings coverage of net charge-offs (x) | 47.2697% | 1,047 |
| Efficiency ratio | 60.1497% | 4,556 |
| Assets per employee ($millions) | 4.6416% | 2,894 |
| Cash dividends to net income (ytd only)* | 44.7739% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 3,101 |
| Loan loss allowance to noncurrent loans | 307.1776% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 3,861 |
| Noncurrent loans to loans | 0.3920% | 3,742 |
| Net loans and leases to total assets | 81.1501% | 724 |
| Net loans and leases to deposits | 97.7710% | 846 |
| Net loans and leases to core deposits | 120.4991% | 473 |
| Total domestic deposits to total assets | 83.0001% | 3,767 |
| Equity capital to assets | 8.9933% | 4,829 |
| Core capital (leverage) ratio | 9.1704% | 4,521 |
| Tier 1 risk-based capital ratio | 12.7983% | 4,204 |
| Total risk-based capital ratio | 14.0499% | 4,094 |
| Memoranda: | ||
| Average total assets | $244,463,400 | 2,551 |
| Average earning assets | $229,085,200 | 2,521 |
| Average equity | $22,731,200 | 2,918 |
| Average total loans | $201,976,400 | 2,110 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9574% | 645 |
| Cost of funding earning assets | 0.7276% | 706 |
| Net interest margin | 4.2298% | 1,058 |
| Noninterest income to average assets | 0.3772% | 4,085 |
| Noninterest expense to average assets | 2.6025% | 3,649 |
| Loan and lease loss provision to assets | 0.0739% | 2,744 |
| Net operating income to assets | 1.6633% | 643 |
| Return on assets (ROA) | 1.6909% | 642 |
| Pretax return on assets | 1.6909% | 1,138 |
| Return on Equity (ROE) | 18.0288% | 358 |
| Retained earnings to average equity (ytd only) | 17.3232% | 87 |
| Net charge-offs to loans | 0.0167% | 3,393 |
| Credit loss provision to net charge-offs | 536.0000% | 667 |
| Earnings coverage of net charge-offs (x) | 126.0096% | 551 |
| Efficiency ratio | 59.9695% | 4,544 |
| Assets per employee ($millions) | 4.5398% | 3,020 |
| Cash dividends to net income (ytd only)* | 3.9140% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 3,163 |
| Loan loss allowance to noncurrent loans | 440.1051% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2687% | 4,357 |
| Noncurrent loans to loans | 0.2754% | 4,272 |
| Net loans and leases to total assets | 82.0224% | 616 |
| Net loans and leases to deposits | 98.9946% | 777 |
| Net loans and leases to core deposits | 114.4395% | 707 |
| Total domestic deposits to total assets | 82.8555% | 3,644 |
| Equity capital to assets | 9.7393% | 4,426 |
| Core capital (leverage) ratio | 9.6895% | 3,952 |
| Tier 1 risk-based capital ratio | 13.4917% | 3,864 |
| Total risk-based capital ratio | 14.7439% | 3,773 |
| Memoranda: | ||
| Average total assets | $241,756,750 | 2,573 |
| Average earning assets | $226,483,750 | 2,548 |
| Average equity | $22,674,250 | 2,948 |
| Average total loans | $200,047,250 | 2,126 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9610% | 634 |
| Cost of funding earning assets | 0.7204% | 723 |
| Net interest margin | 4.2405% | 1,034 |
| Noninterest income to average assets | 0.3739% | 4,074 |
| Noninterest expense to average assets | 2.5929% | 3,744 |
| Loan and lease loss provision to assets | 0.0652% | 2,840 |
| Net operating income to assets | 1.6938% | 587 |
| Return on assets (ROA) | 1.7356% | 572 |
| Pretax return on assets | 1.7356% | 1,012 |
| Return on Equity (ROE) | 18.7559% | 313 |
| Retained earnings to average equity (ytd only) | 17.6713% | 88 |
| Net charge-offs to loans | 0.0162% | 3,193 |
| Credit loss provision to net charge-offs | 487.5000% | 670 |
| Earnings coverage of net charge-offs (x) | 131.4375% | 458 |
| Efficiency ratio | 59.5810% | 4,697 |
| Assets per employee ($millions) | 4.3799% | 3,248 |
| Cash dividends to net income (ytd only)* | 5.7831% | 3,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 3,258 |
| Loan loss allowance to noncurrent loans | 753.8226% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 4,762 |
| Noncurrent loans to loans | 0.1615% | 4,798 |
| Net loans and leases to total assets | 83.0211% | 516 |
| Net loans and leases to deposits | 99.4955% | 734 |
| Net loans and leases to core deposits | 113.2067% | 762 |
| Total domestic deposits to total assets | 83.4420% | 3,487 |
| Equity capital to assets | 9.6973% | 4,557 |
| Core capital (leverage) ratio | 9.5433% | 4,147 |
| Tier 1 risk-based capital ratio | 13.1946% | 4,079 |
| Total risk-based capital ratio | 14.4465% | 3,994 |
| Memoranda: | ||
| Average total assets | $239,112,670 | 2,607 |
| Average earning assets | $224,311,330 | 2,576 |
| Average equity | $22,126,330 | 3,010 |
| Average total loans | $197,625,000 | 2,147 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 554 |
| Cost of funding earning assets | 0.7214% | 725 |
| Net interest margin | 4.2999% | 932 |
| Noninterest income to average assets | 0.3526% | 4,204 |
| Noninterest expense to average assets | 2.5506% | 3,905 |
| Loan and lease loss provision to assets | 0.0789% | 2,386 |
| Net operating income to assets | 1.7563% | 507 |
| Return on assets (ROA) | 1.8403% | 473 |
| Pretax return on assets | 1.8403% | 782 |
| Return on Equity (ROE) | 20.3817% | 220 |
| Retained earnings to average equity (ytd only) | 19.2659% | 106 |
| Net charge-offs to loans | 0.0307% | 2,337 |
| Credit loss provision to net charge-offs | 313.3333% | 822 |
| Earnings coverage of net charge-offs (x) | 72.8667% | 674 |
| Efficiency ratio | 58.1547% | 4,979 |
| Assets per employee ($millions) | 4.2932% | 3,417 |
| Cash dividends to net income (ytd only)* | 5.4745% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 3,210 |
| Loan loss allowance to noncurrent loans | 423.6522% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 4,338 |
| Noncurrent loans to loans | 0.2945% | 4,376 |
| Net loans and leases to total assets | 81.6680% | 607 |
| Net loans and leases to deposits | 92.1274% | 1,336 |
| Net loans and leases to core deposits | 104.9127% | 1,140 |
| Total domestic deposits to total assets | 88.6468% | 1,278 |
| Equity capital to assets | 9.3754% | 4,804 |
| Core capital (leverage) ratio | 9.0219% | 4,829 |
| Tier 1 risk-based capital ratio | 13.1409% | 4,167 |
| Total risk-based capital ratio | 14.3714% | 4,103 |
| Memoranda: | ||
| Average total assets | $238,222,500 | 2,629 |
| Average earning assets | $223,449,500 | 2,599 |
| Average equity | $21,509,500 | 3,064 |
| Average total loans | $195,209,000 | 2,162 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7661% | 980 |
| Cost of funding earning assets | 0.7052% | 796 |
| Net interest margin | 4.0609% | 1,521 |
| Noninterest income to average assets | 0.4096% | 3,961 |
| Noninterest expense to average assets | 2.5771% | 4,002 |
| Loan and lease loss provision to assets | 0.0546% | 3,223 |
| Net operating income to assets | 1.6129% | 686 |
| Return on assets (ROA) | 1.6181% | 695 |
| Pretax return on assets | 1.6181% | 1,198 |
| Return on Equity (ROE) | 18.5802% | 346 |
| Retained earnings to average equity (ytd only) | 10.2806% | 426 |
| Net charge-offs to loans | -0.0315% | 5,414 |
| Credit loss provision to net charge-offs | -222.8070% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7136% | 4,798 |
| Assets per employee ($millions) | 4.3694% | 3,269 |
| Cash dividends to net income (ytd only)* | 44.6690% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,284 |
| Loan loss allowance to noncurrent loans | 349.9272% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 4,231 |
| Noncurrent loans to loans | 0.3521% | 4,205 |
| Net loans and leases to total assets | 80.2012% | 822 |
| Net loans and leases to deposits | 97.9235% | 823 |
| Net loans and leases to core deposits | 112.8113% | 733 |
| Total domestic deposits to total assets | 81.9018% | 4,188 |
| Equity capital to assets | 8.6889% | 5,396 |
| Core capital (leverage) ratio | 8.7673% | 5,148 |
| Tier 1 risk-based capital ratio | 12.4608% | 4,660 |
| Total risk-based capital ratio | 13.7133% | 4,544 |
| Memoranda: | ||
| Average total assets | $232,432,800 | 2,641 |
| Average earning assets | $219,510,200 | 2,590 |
| Average equity | $20,242,000 | 3,148 |
| Average total loans | $181,140,000 | 2,228 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7141% | 1,073 |
| Cost of funding earning assets | 0.7031% | 827 |
| Net interest margin | 4.0110% | 1,663 |
| Noninterest income to average assets | 0.3708% | 4,278 |
| Noninterest expense to average assets | 2.4970% | 4,203 |
| Loan and lease loss provision to assets | 0.0613% | 2,955 |
| Net operating income to assets | 1.6077% | 758 |
| Return on assets (ROA) | 1.6147% | 774 |
| Pretax return on assets | 1.6147% | 1,338 |
| Return on Equity (ROE) | 18.5300% | 368 |
| Retained earnings to average equity (ytd only) | 17.7997% | 90 |
| Net charge-offs to loans | -0.0428% | 5,494 |
| Credit loss provision to net charge-offs | -185.9649% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9361% | 4,900 |
| Assets per employee ($millions) | 4.3182% | 3,292 |
| Cash dividends to net income (ytd only)* | 3.9412% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 3,361 |
| Loan loss allowance to noncurrent loans | 331.8942% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 4,239 |
| Noncurrent loans to loans | 0.3769% | 4,265 |
| Net loans and leases to total assets | 79.2056% | 927 |
| Net loans and leases to deposits | 93.6277% | 1,245 |
| Net loans and leases to core deposits | 107.9279% | 982 |
| Total domestic deposits to total assets | 84.5963% | 3,178 |
| Equity capital to assets | 9.0728% | 5,238 |
| Core capital (leverage) ratio | 9.0489% | 4,937 |
| Tier 1 risk-based capital ratio | 11.2881% | 5,494 |
| Total risk-based capital ratio | 12.5381% | 5,396 |
| Memoranda: | ||
| Average total assets | $230,461,750 | 2,678 |
| Average earning assets | $218,062,750 | 2,621 |
| Average equity | $20,082,250 | 3,194 |
| Average total loans | $177,639,750 | 2,275 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,239 |
| Cost of funding earning assets | 0.7024% | 836 |
| Net interest margin | 3.9147% | 1,927 |
| Noninterest income to average assets | 0.3472% | 4,475 |
| Noninterest expense to average assets | 2.4277% | 4,467 |
| Loan and lease loss provision to assets | 0.0535% | 3,050 |
| Net operating income to assets | 1.5799% | 780 |
| Return on assets (ROA) | 1.5904% | 786 |
| Pretax return on assets | 1.5904% | 1,354 |
| Return on Equity (ROE) | 18.5162% | 376 |
| Retained earnings to average equity (ytd only) | 17.9037% | 106 |
| Net charge-offs to loans | -0.1200% | 5,850 |
| Credit loss provision to net charge-offs | -58.6538% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7798% | 5,013 |
| Assets per employee ($millions) | 4.8081% | 2,529 |
| Cash dividends to net income (ytd only)* | 3.3076% | 3,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 3,141 |
| Loan loss allowance to noncurrent loans | 395.5224% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 4,571 |
| Noncurrent loans to loans | 0.3334% | 4,491 |
| Net loans and leases to total assets | 71.3956% | 2,091 |
| Net loans and leases to deposits | 81.9412% | 2,562 |
| Net loans and leases to core deposits | 93.0634% | 2,057 |
| Total domestic deposits to total assets | 87.1303% | 2,092 |
| Equity capital to assets | 8.0801% | 5,944 |
| Core capital (leverage) ratio | 9.3284% | 4,516 |
| Tier 1 risk-based capital ratio | 11.5127% | 5,456 |
| Total risk-based capital ratio | 12.7636% | 5,377 |
| Memoranda: | ||
| Average total assets | $228,115,330 | 2,716 |
| Average earning assets | $216,415,330 | 2,653 |
| Average equity | $19,593,670 | 3,263 |
| Average total loans | $173,354,000 | 2,333 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 981 |
| Cost of funding earning assets | 0.7380% | 704 |
| Net interest margin | 3.9933% | 1,581 |
| Noninterest income to average assets | 0.2966% | 4,796 |
| Noninterest expense to average assets | 2.5308% | 4,169 |
| Loan and lease loss provision to assets | 0.0829% | 2,315 |
| Net operating income to assets | 1.4901% | 865 |
| Return on assets (ROA) | 1.5122% | 877 |
| Pretax return on assets | 1.5122% | 1,526 |
| Return on Equity (ROE) | 17.0248% | 469 |
| Retained earnings to average equity (ytd only) | 17.0248% | 178 |
| Net charge-offs to loans | -0.4458% | 6,220 |
| Credit loss provision to net charge-offs | -23.8095% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6697% | 4,850 |
| Assets per employee ($millions) | 3.9779% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 2,673 |
| Loan loss allowance to noncurrent loans | 343.2168% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,394 |
| Noncurrent loans to loans | 0.4226% | 4,324 |
| Net loans and leases to total assets | 74.8421% | 1,383 |
| Net loans and leases to deposits | 82.2766% | 2,309 |
| Net loans and leases to core deposits | 95.6638% | 1,639 |
| Total domestic deposits to total assets | 90.9640% | 384 |
| Equity capital to assets | 8.8685% | 5,426 |
| Core capital (leverage) ratio | 8.8272% | 5,165 |
| Tier 1 risk-based capital ratio | 11.7916% | 5,376 |
| Total risk-based capital ratio | 13.0415% | 5,273 |
| Memoranda: | ||
| Average total assets | $217,162,500 | 2,833 |
| Average earning assets | $207,046,000 | 2,758 |
| Average equity | $19,289,500 | 3,312 |
| Average total loans | $169,586,500 | 2,371 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 895 |
| Cost of funding earning assets | 0.8127% | 612 |
| Net interest margin | 4.1057% | 1,562 |
| Noninterest income to average assets | 0.4110% | 4,102 |
| Noninterest expense to average assets | 2.6856% | 3,920 |
| Loan and lease loss provision to assets | 0.1795% | 1,432 |
| Net operating income to assets | 1.4141% | 1,054 |
| Return on assets (ROA) | 1.4063% | 1,101 |
| Pretax return on assets | 1.4063% | 1,863 |
| Return on Equity (ROE) | 18.6367% | 346 |
| Retained earnings to average equity (ytd only) | 9.6697% | 572 |
| Net charge-offs to loans | 0.4726% | 883 |
| Credit loss provision to net charge-offs | 49.4638% | 3,492 |
| Earnings coverage of net charge-offs (x) | 4.3914% | 3,665 |
| Efficiency ratio | 62.7600% | 4,789 |
| Assets per employee ($millions) | 3.7779% | 4,389 |
| Cash dividends to net income (ytd only)* | 48.1148% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 3,389 |
| Loan loss allowance to noncurrent loans | 469.3446% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5251% | 4,046 |
| Noncurrent loans to loans | 0.2782% | 4,857 |
| Net loans and leases to total assets | 79.3047% | 840 |
| Net loans and leases to deposits | 90.1581% | 1,503 |
| Net loans and leases to core deposits | 104.1692% | 1,121 |
| Total domestic deposits to total assets | 87.9618% | 1,794 |
| Equity capital to assets | 8.8972% | 5,382 |
| Core capital (leverage) ratio | 8.9293% | 5,086 |
| Tier 1 risk-based capital ratio | 13.3619% | 4,492 |
| Total risk-based capital ratio | 14.6160% | 4,427 |
| Memoranda: | ||
| Average total assets | $205,576,800 | 2,925 |
| Average earning assets | $193,683,400 | 2,870 |
| Average equity | $15,512,400 | 3,745 |
| Average total loans | $157,862,800 | 2,457 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8826% | 965 |
| Cost of funding earning assets | 0.8306% | 592 |
| Net interest margin | 4.0521% | 1,715 |
| Noninterest income to average assets | 0.4377% | 3,969 |
| Noninterest expense to average assets | 2.6858% | 3,874 |
| Loan and lease loss provision to assets | 0.2019% | 1,174 |
| Net operating income to assets | 1.3589% | 1,228 |
| Return on assets (ROA) | 1.3589% | 1,272 |
| Pretax return on assets | 1.3589% | 2,160 |
| Return on Equity (ROE) | 18.8853% | 362 |
| Retained earnings to average equity (ytd only) | 18.0046% | 116 |
| Net charge-offs to loans | 0.5761% | 647 |
| Credit loss provision to net charge-offs | 46.1883% | 3,173 |
| Earnings coverage of net charge-offs (x) | 3.5710% | 3,634 |
| Efficiency ratio | 63.2462% | 4,676 |
| Assets per employee ($millions) | 3.8309% | 4,224 |
| Cash dividends to net income (ytd only)* | 4.6635% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 3,230 |
| Loan loss allowance to noncurrent loans | 303.9402% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6917% | 3,745 |
| Noncurrent loans to loans | 0.4572% | 4,532 |
| Net loans and leases to total assets | 76.7425% | 1,137 |
| Net loans and leases to deposits | 83.4984% | 2,224 |
| Net loans and leases to core deposits | 96.8355% | 1,604 |
| Total domestic deposits to total assets | 91.9090% | 167 |
| Equity capital to assets | 7.8290% | 6,203 |
| Core capital (leverage) ratio | 7.8493% | 6,157 |
| Tier 1 risk-based capital ratio | 12.1113% | 5,420 |
| Total risk-based capital ratio | 13.3665% | 5,332 |
| Memoranda: | ||
| Average total assets | $204,081,000 | 2,966 |
| Average earning assets | $191,831,000 | 2,916 |
| Average equity | $14,684,750 | 3,914 |
| Average total loans | $154,829,250 | 2,504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8034% | 1,058 |
| Cost of funding earning assets | 0.8428% | 577 |
| Net interest margin | 3.9606% | 1,929 |
| Noninterest income to average assets | 0.4312% | 4,016 |
| Noninterest expense to average assets | 2.6965% | 3,881 |
| Loan and lease loss provision to assets | 0.2481% | 889 |
| Net operating income to assets | 1.1971% | 1,598 |
| Return on assets (ROA) | 1.1971% | 1,667 |
| Pretax return on assets | 1.1971% | 2,677 |
| Return on Equity (ROE) | 17.1497% | 539 |
| Retained earnings to average equity (ytd only) | 15.7817% | 180 |
| Net charge-offs to loans | 0.7239% | 528 |
| Credit loss provision to net charge-offs | 45.5696% | 2,855 |
| Earnings coverage of net charge-offs (x) | 2.6546% | 3,498 |
| Efficiency ratio | 65.1058% | 4,511 |
| Assets per employee ($millions) | 3.8858% | 4,093 |
| Cash dividends to net income (ytd only)* | 7.9770% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 2,929 |
| Loan loss allowance to noncurrent loans | 247.4138% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7601% | 3,689 |
| Noncurrent loans to loans | 0.6039% | 4,215 |
| Net loans and leases to total assets | 72.1407% | 1,721 |
| Net loans and leases to deposits | 77.9817% | 2,803 |
| Net loans and leases to core deposits | 90.1101% | 2,116 |
| Total domestic deposits to total assets | 92.5098% | 117 |
| Equity capital to assets | 7.2691% | 6,400 |
| Core capital (leverage) ratio | 7.4281% | 6,334 |
| Tier 1 risk-based capital ratio | 11.8430% | 5,630 |
| Total risk-based capital ratio | 13.0992% | 5,552 |
| Memoranda: | ||
| Average total assets | $203,151,000 | 2,995 |
| Average earning assets | $190,324,330 | 2,946 |
| Average equity | $14,181,000 | 4,017 |
| Average total loans | $152,774,000 | 2,532 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7107% | 1,233 |
| Cost of funding earning assets | 0.8641% | 547 |
| Net interest margin | 3.8466% | 2,285 |
| Noninterest income to average assets | 0.3243% | 4,771 |
| Noninterest expense to average assets | 2.7366% | 3,811 |
| Loan and lease loss provision to assets | 0.3503% | 504 |
| Net operating income to assets | 0.8468% | 2,913 |
| Return on assets (ROA) | 0.8468% | 2,988 |
| Pretax return on assets | 0.8468% | 3,917 |
| Return on Equity (ROE) | 12.4001% | 1,311 |
| Retained earnings to average equity (ytd only) | 9.5566% | 1,092 |
| Net charge-offs to loans | 1.4548% | 222 |
| Credit loss provision to net charge-offs | 31.5884% | 2,383 |
| Earnings coverage of net charge-offs (x) | 1.0794% | 3,187 |
| Efficiency ratio | 69.5674% | 3,900 |
| Assets per employee ($millions) | 3.9193% | 4,104 |
| Cash dividends to net income (ytd only)* | 22.9314% | 2,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 3,366 |
| Loan loss allowance to noncurrent loans | 61.8344% | 4,778 |
| Noncurrent assets plus other real estate owned to assets | 2.0599% | 1,643 |
| Noncurrent loans to loans | 2.3457% | 1,506 |
| Net loans and leases to total assets | 72.5478% | 1,488 |
| Net loans and leases to deposits | 77.9428% | 2,568 |
| Net loans and leases to core deposits | 90.2390% | 1,890 |
| Total domestic deposits to total assets | 93.0783% | 106 |
| Equity capital to assets | 6.7209% | 6,497 |
| Core capital (leverage) ratio | 7.2100% | 6,420 |
| Tier 1 risk-based capital ratio | 11.4174% | 5,953 |
| Total risk-based capital ratio | 12.6730% | 5,907 |
| Memoranda: | ||
| Average total assets | $199,810,000 | 3,050 |
| Average earning assets | $187,488,500 | 3,001 |
| Average equity | $13,645,000 | 4,120 |
| Average total loans | $152,325,500 | 2,552 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1769% | 677 |
| Cost of funding earning assets | 0.9469% | 589 |
| Net interest margin | 4.2300% | 1,274 |
| Noninterest income to average assets | 0.5233% | 3,598 |
| Noninterest expense to average assets | 2.6231% | 4,381 |
| Loan and lease loss provision to assets | 0.5869% | 435 |
| Net operating income to assets | 1.2781% | 1,310 |
| Return on assets (ROA) | 1.2781% | 1,359 |
| Pretax return on assets | 1.2781% | 2,242 |
| Return on Equity (ROE) | 17.4597% | 458 |
| Retained earnings to average equity (ytd only) | 9.6665% | 630 |
| Net charge-offs to loans | 0.1642% | 3,168 |
| Credit loss provision to net charge-offs | 451.4768% | 511 |
| Earnings coverage of net charge-offs (x) | 14.3460% | 1,952 |
| Efficiency ratio | 58.4454% | 5,685 |
| Assets per employee ($millions) | 3.6903% | 4,503 |
| Cash dividends to net income (ytd only)* | 44.6352% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,366 |
| Loan loss allowance to noncurrent loans | 225.4340% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 1.0407% | 3,341 |
| Noncurrent loans to loans | 0.7592% | 4,071 |
| Net loans and leases to total assets | 77.7175% | 858 |
| Net loans and leases to deposits | 83.6780% | 1,977 |
| Net loans and leases to core deposits | 98.1500% | 1,294 |
| Total domestic deposits to total assets | 92.8768% | 149 |
| Equity capital to assets | 6.9460% | 6,468 |
| Core capital (leverage) ratio | 7.4927% | 6,373 |
| Tier 1 risk-based capital ratio | 11.3600% | 5,989 |
| Total risk-based capital ratio | 12.6186% | 5,913 |
| Memoranda: | ||
| Average total assets | $182,305,400 | 3,249 |
| Average earning assets | $170,875,400 | 3,209 |
| Average equity | $13,345,000 | 4,195 |
| Average total loans | $144,357,000 | 2,632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 676 |
| Cost of funding earning assets | 0.9506% | 644 |
| Net interest margin | 4.2329% | 1,237 |
| Noninterest income to average assets | 0.6047% | 3,120 |
| Noninterest expense to average assets | 2.5827% | 4,448 |
| Loan and lease loss provision to assets | 0.5188% | 524 |
| Net operating income to assets | 1.4763% | 936 |
| Return on assets (ROA) | 1.4763% | 984 |
| Pretax return on assets | 1.4763% | 1,684 |
| Return on Equity (ROE) | 19.8961% | 305 |
| Retained earnings to average equity (ytd only) | 18.9972% | 91 |
| Net charge-offs to loans | 0.1787% | 2,796 |
| Credit loss provision to net charge-offs | 366.4921% | 719 |
| Earnings coverage of net charge-offs (x) | 14.0942% | 1,971 |
| Efficiency ratio | 56.4190% | 5,857 |
| Assets per employee ($millions) | 3.5404% | 4,764 |
| Cash dividends to net income (ytd only)* | 4.5182% | 3,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,404 |
| Loan loss allowance to noncurrent loans | 201.6859% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 1.0215% | 3,601 |
| Noncurrent loans to loans | 0.7499% | 4,346 |
| Net loans and leases to total assets | 77.4207% | 819 |
| Net loans and leases to deposits | 83.8751% | 1,889 |
| Net loans and leases to core deposits | 100.7083% | 1,066 |
| Total domestic deposits to total assets | 92.3048% | 205 |
| Equity capital to assets | 7.4117% | 6,423 |
| Core capital (leverage) ratio | 7.9341% | 6,262 |
| Tier 1 risk-based capital ratio | 11.8580% | 5,870 |
| Total risk-based capital ratio | 13.1150% | 5,812 |
| Memoranda: | ||
| Average total assets | $179,908,000 | 3,296 |
| Average earning assets | $168,865,000 | 3,260 |
| Average equity | $13,349,000 | 4,242 |
| Average total loans | $142,513,000 | 2,671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1414% | 707 |
| Cost of funding earning assets | 0.9576% | 691 |
| Net interest margin | 4.1839% | 1,322 |
| Noninterest income to average assets | 0.5722% | 3,367 |
| Noninterest expense to average assets | 2.4945% | 4,755 |
| Loan and lease loss provision to assets | 0.4212% | 718 |
| Net operating income to assets | 1.5805% | 770 |
| Return on assets (ROA) | 1.5805% | 841 |
| Pretax return on assets | 1.5805% | 1,421 |
| Return on Equity (ROE) | 21.2920% | 235 |
| Retained earnings to average equity (ytd only) | 20.8331% | 78 |
| Net charge-offs to loans | 0.2459% | 2,251 |
| Credit loss provision to net charge-offs | 215.6977% | 1,125 |
| Earnings coverage of net charge-offs (x) | 10.2500% | 2,171 |
| Efficiency ratio | 55.4798% | 6,024 |
| Assets per employee ($millions) | 3.9120% | 3,996 |
| Cash dividends to net income (ytd only)* | 2.1552% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 4,342 |
| Loan loss allowance to noncurrent loans | 203.2091% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 3,756 |
| Noncurrent loans to loans | 0.6568% | 4,627 |
| Net loans and leases to total assets | 77.2838% | 830 |
| Net loans and leases to deposits | 83.4802% | 1,871 |
| Net loans and leases to core deposits | 100.6171% | 1,036 |
| Total domestic deposits to total assets | 92.5774% | 172 |
| Equity capital to assets | 7.2000% | 6,544 |
| Core capital (leverage) ratio | 7.6383% | 6,396 |
| Tier 1 risk-based capital ratio | 11.5725% | 6,073 |
| Total risk-based capital ratio | 12.8271% | 6,026 |
| Memoranda: | ||
| Average total assets | $176,149,330 | 3,358 |
| Average earning assets | $165,206,330 | 3,324 |
| Average equity | $13,075,330 | 4,334 |
| Average total loans | $139,921,000 | 2,717 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 613 |
| Cost of funding earning assets | 0.9511% | 782 |
| Net interest margin | 4.2399% | 1,099 |
| Noninterest income to average assets | 0.4016% | 4,443 |
| Noninterest expense to average assets | 2.3648% | 5,217 |
| Loan and lease loss provision to assets | 0.4063% | 755 |
| Net operating income to assets | 1.6086% | 698 |
| Return on assets (ROA) | 1.6086% | 758 |
| Pretax return on assets | 1.6086% | 1,288 |
| Return on Equity (ROE) | 21.3180% | 225 |
| Retained earnings to average equity (ytd only) | 21.3180% | 107 |
| Net charge-offs to loans | 0.1936% | 2,254 |
| Credit loss provision to net charge-offs | 262.1212% | 888 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,557 |
| Efficiency ratio | 53.9946% | 6,229 |
| Assets per employee ($millions) | 4.4915% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 4,425 |
| Loan loss allowance to noncurrent loans | 131.2062% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 1.3707% | 3,217 |
| Noncurrent loans to loans | 1.0360% | 4,067 |
| Net loans and leases to total assets | 77.5084% | 664 |
| Net loans and leases to deposits | 84.5303% | 1,526 |
| Net loans and leases to core deposits | 99.2558% | 992 |
| Total domestic deposits to total assets | 91.6931% | 310 |
| Equity capital to assets | 7.4991% | 6,593 |
| Core capital (leverage) ratio | 7.5144% | 6,462 |
| Tier 1 risk-based capital ratio | 11.3068% | 6,271 |
| Total risk-based capital ratio | 12.5617% | 6,248 |
| Memoranda: | ||
| Average total assets | $170,335,000 | 3,485 |
| Average earning assets | $159,816,500 | 3,432 |
| Average equity | $12,853,000 | 4,406 |
| Average total loans | $136,339,000 | 2,784 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3825% | 784 |
| Cost of funding earning assets | 1.0211% | 1,246 |
| Net interest margin | 4.3614% | 1,248 |
| Noninterest income to average assets | 0.3644% | 4,874 |
| Noninterest expense to average assets | 2.5331% | 4,984 |
| Loan and lease loss provision to assets | 0.4994% | 1,195 |
| Net operating income to assets | 1.4224% | 1,059 |
| Return on assets (ROA) | 1.4224% | 1,173 |
| Pretax return on assets | 1.4224% | 1,956 |
| Return on Equity (ROE) | 18.2305% | 427 |
| Retained earnings to average equity (ytd only) | 10.3221% | 540 |
| Net charge-offs to loans | 0.4611% | 2,390 |
| Credit loss provision to net charge-offs | 136.3158% | 2,031 |
| Earnings coverage of net charge-offs (x) | 5.2456% | 3,095 |
| Efficiency ratio | 56.8605% | 5,966 |
| Assets per employee ($millions) | 4.1376% | 3,674 |
| Cash dividends to net income (ytd only)* | 43.3800% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,599 |
| Loan loss allowance to noncurrent loans | 103.6428% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.7317% | 2,797 |
| Noncurrent loans to loans | 1.2604% | 3,727 |
| Net loans and leases to total assets | 80.5265% | 420 |
| Net loans and leases to deposits | 88.6743% | 1,202 |
| Net loans and leases to core deposits | 104.6748% | 751 |
| Total domestic deposits to total assets | 90.8116% | 560 |
| Equity capital to assets | 7.5951% | 6,596 |
| Core capital (leverage) ratio | 7.7083% | 6,402 |
| Tier 1 risk-based capital ratio | 10.9360% | 6,373 |
| Total risk-based capital ratio | 12.1900% | 6,337 |
| Memoranda: | ||
| Average total assets | $155,580,000 | 3,693 |
| Average earning assets | $145,917,000 | 3,626 |
| Average equity | $12,139,000 | 4,540 |
| Average total loans | $123,619,600 | 3,012 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 862 |
| Cost of funding earning assets | 1.0403% | 1,338 |
| Net interest margin | 4.3440% | 1,362 |
| Noninterest income to average assets | 0.3510% | 5,010 |
| Noninterest expense to average assets | 2.4593% | 5,217 |
| Loan and lease loss provision to assets | 0.5809% | 981 |
| Net operating income to assets | 1.3873% | 1,257 |
| Return on assets (ROA) | 1.3873% | 1,380 |
| Pretax return on assets | 1.3873% | 2,277 |
| Return on Equity (ROE) | 17.6536% | 538 |
| Retained earnings to average equity (ytd only) | 17.2657% | 147 |
| Net charge-offs to loans | 0.4902% | 2,146 |
| Credit loss provision to net charge-offs | 150.2252% | 1,876 |
| Earnings coverage of net charge-offs (x) | 5.0901% | 3,117 |
| Efficiency ratio | 55.5468% | 6,100 |
| Assets per employee ($millions) | 3.9179% | 4,041 |
| Cash dividends to net income (ytd only)* | 2.1973% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 4,307 |
| Loan loss allowance to noncurrent loans | 105.4502% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7465% | 2,985 |
| Noncurrent loans to loans | 1.3427% | 3,785 |
| Net loans and leases to total assets | 79.0851% | 593 |
| Net loans and leases to deposits | 86.4162% | 1,553 |
| Net loans and leases to core deposits | 105.4638% | 768 |
| Total domestic deposits to total assets | 91.5165% | 283 |
| Equity capital to assets | 8.2129% | 6,481 |
| Core capital (leverage) ratio | 8.0501% | 6,286 |
| Tier 1 risk-based capital ratio | 11.7423% | 6,083 |
| Total risk-based capital ratio | 12.9973% | 6,063 |
| Memoranda: | ||
| Average total assets | $153,099,500 | 3,768 |
| Average earning assets | $143,672,500 | 3,699 |
| Average equity | $12,031,250 | 4,611 |
| Average total loans | $120,765,250 | 3,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 913 |
| Cost of funding earning assets | 1.0546% | 1,440 |
| Net interest margin | 4.3222% | 1,418 |
| Noninterest income to average assets | 0.3674% | 4,891 |
| Noninterest expense to average assets | 2.5215% | 5,068 |
| Loan and lease loss provision to assets | 0.6017% | 988 |
| Net operating income to assets | 1.3022% | 1,439 |
| Return on assets (ROA) | 1.3022% | 1,588 |
| Pretax return on assets | 1.3022% | 2,550 |
| Return on Equity (ROE) | 16.8321% | 663 |
| Retained earnings to average equity (ytd only) | 16.2365% | 211 |
| Net charge-offs to loans | 0.4701% | 2,183 |
| Credit loss provision to net charge-offs | 163.2143% | 1,709 |
| Earnings coverage of net charge-offs (x) | 5.1643% | 2,890 |
| Efficiency ratio | 56.9771% | 6,006 |
| Assets per employee ($millions) | 4.0672% | 3,730 |
| Cash dividends to net income (ytd only)* | 3.5389% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 4,302 |
| Loan loss allowance to noncurrent loans | 80.5672% | 3,772 |
| Noncurrent assets plus other real estate owned to assets | 2.0646% | 2,705 |
| Noncurrent loans to loans | 1.7843% | 3,243 |
| Net loans and leases to total assets | 76.8794% | 856 |
| Net loans and leases to deposits | 83.7157% | 1,894 |
| Net loans and leases to core deposits | 102.9386% | 920 |
| Total domestic deposits to total assets | 91.8340% | 250 |
| Equity capital to assets | 7.9299% | 6,613 |
| Core capital (leverage) ratio | 7.5814% | 6,578 |
| Tier 1 risk-based capital ratio | 11.7244% | 6,096 |
| Total risk-based capital ratio | 12.9801% | 6,074 |
| Memoranda: | ||
| Average total assets | $151,894,000 | 3,807 |
| Average earning assets | $142,614,000 | 3,743 |
| Average equity | $11,751,330 | 4,667 |
| Average total loans | $119,114,000 | 3,153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 906 |
| Cost of funding earning assets | 1.0684% | 1,571 |
| Net interest margin | 4.3326% | 1,372 |
| Noninterest income to average assets | 0.3719% | 4,889 |
| Noninterest expense to average assets | 2.4973% | 5,160 |
| Loan and lease loss provision to assets | 0.6190% | 908 |
| Net operating income to assets | 1.3496% | 1,322 |
| Return on assets (ROA) | 1.3496% | 1,479 |
| Pretax return on assets | 1.3496% | 2,363 |
| Return on Equity (ROE) | 17.6711% | 586 |
| Retained earnings to average equity (ytd only) | 17.6711% | 275 |
| Net charge-offs to loans | 0.3108% | 2,409 |
| Credit loss provision to net charge-offs | 253.2609% | 1,128 |
| Earnings coverage of net charge-offs (x) | 8.0543% | 2,006 |
| Efficiency ratio | 55.9191% | 6,130 |
| Assets per employee ($millions) | 4.3657% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,468 |
| Loan loss allowance to noncurrent loans | 113.1246% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 1.6358% | 3,400 |
| Noncurrent loans to loans | 1.2644% | 4,215 |
| Net loans and leases to total assets | 74.4531% | 991 |
| Net loans and leases to deposits | 80.6472% | 2,112 |
| Net loans and leases to core deposits | 98.7410% | 1,068 |
| Total domestic deposits to total assets | 92.3196% | 214 |
| Equity capital to assets | 7.4787% | 6,788 |
| Core capital (leverage) ratio | 7.4815% | 6,644 |
| Tier 1 risk-based capital ratio | 11.2829% | 6,398 |
| Total risk-based capital ratio | 12.5381% | 6,375 |
| Memoranda: | ||
| Average total assets | $150,563,500 | 3,863 |
| Average earning assets | $142,270,500 | 3,781 |
| Average equity | $11,499,000 | 4,727 |
| Average total loans | $118,394,000 | 3,190 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6556% | 857 |
| Cost of funding earning assets | 1.1955% | 2,064 |
| Net interest margin | 4.4602% | 1,228 |
| Noninterest income to average assets | 0.4615% | 4,124 |
| Noninterest expense to average assets | 2.6434% | 4,947 |
| Loan and lease loss provision to assets | 0.6777% | 1,513 |
| Net operating income to assets | 1.3711% | 1,082 |
| Return on assets (ROA) | 1.3711% | 1,167 |
| Pretax return on assets | 1.3711% | 1,876 |
| Return on Equity (ROE) | 17.0198% | 470 |
| Retained earnings to average equity (ytd only) | 9.8423% | 600 |
| Net charge-offs to loans | 0.5623% | 2,771 |
| Credit loss provision to net charge-offs | 147.3171% | 1,935 |
| Earnings coverage of net charge-offs (x) | 4.4537% | 3,106 |
| Efficiency ratio | 56.3367% | 6,273 |
| Assets per employee ($millions) | 4.1132% | 3,621 |
| Cash dividends to net income (ytd only)* | 42.1713% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,815 |
| Loan loss allowance to noncurrent loans | 105.6309% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 3,913 |
| Noncurrent loans to loans | 1.2484% | 4,281 |
| Net loans and leases to total assets | 80.9372% | 411 |
| Net loans and leases to deposits | 87.9766% | 1,380 |
| Net loans and leases to core deposits | 104.8455% | 848 |
| Total domestic deposits to total assets | 91.9985% | 238 |
| Equity capital to assets | 7.8104% | 6,682 |
| Core capital (leverage) ratio | 7.6692% | 6,557 |
| Tier 1 risk-based capital ratio | 11.3462% | 6,257 |
| Total risk-based capital ratio | 12.6007% | 6,247 |
| Memoranda: | ||
| Average total assets | $133,691,000 | 4,098 |
| Average earning assets | $126,811,400 | 3,999 |
| Average equity | $10,769,800 | 4,835 |
| Average total loans | $109,367,000 | 3,396 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6464% | 943 |
| Cost of funding earning assets | 1.2338% | 2,095 |
| Net interest margin | 4.4126% | 1,370 |
| Noninterest income to average assets | 0.5064% | 3,822 |
| Noninterest expense to average assets | 2.6417% | 4,932 |
| Loan and lease loss provision to assets | 0.6670% | 1,450 |
| Net operating income to assets | 1.3798% | 1,200 |
| Return on assets (ROA) | 1.3798% | 1,279 |
| Pretax return on assets | 1.3798% | 2,007 |
| Return on Equity (ROE) | 16.9866% | 567 |
| Retained earnings to average equity (ytd only) | 16.5485% | 160 |
| Net charge-offs to loans | 0.3023% | 3,578 |
| Credit loss provision to net charge-offs | 269.9588% | 1,062 |
| Earnings coverage of net charge-offs (x) | 8.2840% | 2,205 |
| Efficiency ratio | 56.3435% | 6,235 |
| Assets per employee ($millions) | 4.5061% | 2,906 |
| Cash dividends to net income (ytd only)* | 2.5795% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 4,231 |
| Loan loss allowance to noncurrent loans | 74.8663% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 3,453 |
| Noncurrent loans to loans | 1.9689% | 3,406 |
| Net loans and leases to total assets | 77.8765% | 719 |
| Net loans and leases to deposits | 84.8745% | 1,862 |
| Net loans and leases to core deposits | 104.3169% | 961 |
| Total domestic deposits to total assets | 91.7549% | 250 |
| Equity capital to assets | 7.9774% | 6,707 |
| Core capital (leverage) ratio | 7.9444% | 6,444 |
| Tier 1 risk-based capital ratio | 11.6561% | 6,136 |
| Total risk-based capital ratio | 12.9117% | 6,124 |
| Memoranda: | ||
| Average total assets | $131,123,500 | 4,178 |
| Average earning assets | $124,277,750 | 4,077 |
| Average equity | $10,651,250 | 4,881 |
| Average total loans | $107,190,000 | 3,480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6775% | 910 |
| Cost of funding earning assets | 1.2894% | 2,009 |
| Net interest margin | 4.3880% | 1,404 |
| Noninterest income to average assets | 0.5932% | 3,182 |
| Noninterest expense to average assets | 2.7215% | 4,736 |
| Loan and lease loss provision to assets | 0.6563% | 1,464 |
| Net operating income to assets | 1.3710% | 1,144 |
| Return on assets (ROA) | 1.3710% | 1,217 |
| Pretax return on assets | 1.3710% | 1,891 |
| Return on Equity (ROE) | 16.7642% | 577 |
| Retained earnings to average equity (ytd only) | 16.0890% | 202 |
| Net charge-offs to loans | 0.4746% | 2,673 |
| Credit loss provision to net charge-offs | 167.0683% | 1,811 |
| Earnings coverage of net charge-offs (x) | 5.1606% | 2,679 |
| Efficiency ratio | 57.3090% | 6,254 |
| Assets per employee ($millions) | 4.4454% | 2,934 |
| Cash dividends to net income (ytd only)* | 4.0276% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,988 |
| Loan loss allowance to noncurrent loans | 62.2396% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.9723% | 3,272 |
| Noncurrent loans to loans | 2.1133% | 3,338 |
| Net loans and leases to total assets | 78.0722% | 770 |
| Net loans and leases to deposits | 85.0190% | 1,945 |
| Net loans and leases to core deposits | 104.7584% | 1,003 |
| Total domestic deposits to total assets | 91.8292% | 272 |
| Equity capital to assets | 7.9002% | 6,744 |
| Core capital (leverage) ratio | 8.3106% | 5,854 |
| Tier 1 risk-based capital ratio | 11.4242% | 6,233 |
| Total risk-based capital ratio | 12.6776% | 6,217 |
| Memoranda: | ||
| Average total assets | $126,766,330 | 4,292 |
| Average earning assets | $120,053,670 | 4,185 |
| Average equity | $10,367,330 | 4,959 |
| Average total loans | $104,928,670 | 3,561 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 652 |
| Cost of funding earning assets | 1.3797% | 1,714 |
| Net interest margin | 4.4849% | 1,103 |
| Noninterest income to average assets | 0.2837% | 5,641 |
| Noninterest expense to average assets | 2.5700% | 5,329 |
| Loan and lease loss provision to assets | 0.6004% | 1,433 |
| Net operating income to assets | 1.3493% | 1,153 |
| Return on assets (ROA) | 1.3493% | 1,205 |
| Pretax return on assets | 1.3493% | 1,884 |
| Return on Equity (ROE) | 16.1860% | 658 |
| Retained earnings to average equity (ytd only) | 16.1860% | 313 |
| Net charge-offs to loans | 0.2722% | 2,983 |
| Credit loss provision to net charge-offs | 260.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 8.4429% | 1,824 |
| Efficiency ratio | 56.8613% | 6,397 |
| Assets per employee ($millions) | 3.9192% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 5,015 |
| Loan loss allowance to noncurrent loans | 82.7731% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 3,637 |
| Noncurrent loans to loans | 1.5998% | 4,084 |
| Net loans and leases to total assets | 81.9350% | 349 |
| Net loans and leases to deposits | 89.5206% | 1,289 |
| Net loans and leases to core deposits | 105.0040% | 998 |
| Total domestic deposits to total assets | 91.5265% | 411 |
| Equity capital to assets | 8.2208% | 6,260 |
| Core capital (leverage) ratio | 8.4322% | 5,570 |
| Tier 1 risk-based capital ratio | 11.7872% | 5,863 |
| Total risk-based capital ratio | 13.0413% | 5,869 |
| Memoranda: | ||
| Average total assets | $121,246,000 | 4,439 |
| Average earning assets | $114,518,000 | 4,339 |
| Average equity | $10,107,500 | 5,022 |
| Average total loans | $102,881,500 | 3,643 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1888% | 579 |
| Cost of funding earning assets | 1.7238% | 1,490 |
| Net interest margin | 4.4649% | 1,311 |
| Noninterest income to average assets | 0.4148% | 4,782 |
| Noninterest expense to average assets | 2.8795% | 4,313 |
| Loan and lease loss provision to assets | 0.5306% | 3,031 |
| Net operating income to assets | 1.1946% | 1,425 |
| Return on assets (ROA) | 1.1946% | 1,509 |
| Pretax return on assets | 1.1946% | 2,242 |
| Return on Equity (ROE) | 14.5133% | 792 |
| Retained earnings to average equity (ytd only) | 7.7985% | 1,042 |
| Net charge-offs to loans | 0.3110% | 4,463 |
| Credit loss provision to net charge-offs | 204.6099% | 1,518 |
| Earnings coverage of net charge-offs (x) | 6.6525% | 2,312 |
| Efficiency ratio | 62.5325% | 5,623 |
| Assets per employee ($millions) | 3.6587% | 4,556 |
| Cash dividends to net income (ytd only)* | 46.2664% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,290 |
| Loan loss allowance to noncurrent loans | 86.6621% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8372% | 3,578 |
| Noncurrent loans to loans | 1.4386% | 4,329 |
| Net loans and leases to total assets | 85.7198% | 201 |
| Net loans and leases to deposits | 93.9049% | 1,073 |
| Net loans and leases to core deposits | 109.4380% | 950 |
| Total domestic deposits to total assets | 91.2836% | 470 |
| Equity capital to assets | 8.4602% | 5,905 |
| Core capital (leverage) ratio | 8.4937% | 5,382 |
| Tier 1 risk-based capital ratio | 11.6268% | 5,792 |
| Total risk-based capital ratio | 12.8798% | 5,795 |
| Memoranda: | ||
| Average total assets | $108,735,200 | 4,752 |
| Average earning assets | $102,039,800 | 4,669 |
| Average equity | $8,950,400 | 5,442 |
| Average total loans | $90,688,800 | 4,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2167% | 597 |
| Cost of funding earning assets | 1.7796% | 1,510 |
| Net interest margin | 4.4371% | 1,407 |
| Noninterest income to average assets | 0.3738% | 5,161 |
| Noninterest expense to average assets | 2.7454% | 4,699 |
| Loan and lease loss provision to assets | 0.5613% | 2,700 |
| Net operating income to assets | 1.2252% | 1,527 |
| Return on assets (ROA) | 1.2252% | 1,602 |
| Pretax return on assets | 1.2252% | 2,409 |
| Return on Equity (ROE) | 14.9985% | 856 |
| Retained earnings to average equity (ytd only) | 14.5394% | 236 |
| Net charge-offs to loans | 0.3244% | 4,038 |
| Credit loss provision to net charge-offs | 209.8131% | 1,677 |
| Earnings coverage of net charge-offs (x) | 6.6775% | 2,473 |
| Efficiency ratio | 60.5793% | 5,858 |
| Assets per employee ($millions) | 3.7849% | 4,305 |
| Cash dividends to net income (ytd only)* | 3.0613% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2790% | 5,067 |
| Loan loss allowance to noncurrent loans | 113.7606% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 1.6002% | 4,048 |
| Noncurrent loans to loans | 1.1243% | 4,988 |
| Net loans and leases to total assets | 82.0497% | 487 |
| Net loans and leases to deposits | 90.5728% | 1,644 |
| Net loans and leases to core deposits | 105.2640% | 1,383 |
| Total domestic deposits to total assets | 90.5898% | 601 |
| Equity capital to assets | 9.1143% | 5,425 |
| Core capital (leverage) ratio | 9.1633% | 4,437 |
| Tier 1 risk-based capital ratio | 12.3862% | 5,084 |
| Total risk-based capital ratio | 13.6393% | 5,055 |
| Memoranda: | ||
| Average total assets | $106,649,500 | 4,867 |
| Average earning assets | $99,943,000 | 4,782 |
| Average equity | $8,711,750 | 5,572 |
| Average total loans | $87,954,500 | 4,171 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2549% | 558 |
| Cost of funding earning assets | 1.8479% | 1,439 |
| Net interest margin | 4.4070% | 1,428 |
| Noninterest income to average assets | 0.4408% | 4,599 |
| Noninterest expense to average assets | 2.6909% | 4,943 |
| Loan and lease loss provision to assets | 0.6018% | 2,383 |
| Net operating income to assets | 1.2803% | 1,356 |
| Return on assets (ROA) | 1.2803% | 1,414 |
| Pretax return on assets | 1.2803% | 2,151 |
| Return on Equity (ROE) | 16.3605% | 653 |
| Retained earnings to average equity (ytd only) | 15.6258% | 209 |
| Net charge-offs to loans | 0.3822% | 3,448 |
| Credit loss provision to net charge-offs | 191.4634% | 2,059 |
| Earnings coverage of net charge-offs (x) | 5.9878% | 2,552 |
| Efficiency ratio | 58.8433% | 6,253 |
| Assets per employee ($millions) | 3.2329% | 5,592 |
| Cash dividends to net income (ytd only)* | 4.4910% | 3,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2507% | 5,179 |
| Loan loss allowance to noncurrent loans | 86.1751% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 2.0387% | 3,454 |
| Noncurrent loans to loans | 1.4514% | 4,532 |
| Net loans and leases to total assets | 83.0342% | 436 |
| Net loans and leases to deposits | 90.5129% | 1,769 |
| Net loans and leases to core deposits | 105.5073% | 1,494 |
| Total domestic deposits to total assets | 91.7374% | 275 |
| Equity capital to assets | 7.9533% | 6,804 |
| Core capital (leverage) ratio | 7.8378% | 6,454 |
| Tier 1 risk-based capital ratio | 10.9881% | 6,244 |
| Total risk-based capital ratio | 12.2408% | 6,230 |
| Memoranda: | ||
| Average total assets | $104,350,330 | 4,958 |
| Average earning assets | $97,843,330 | 4,879 |
| Average equity | $8,166,000 | 5,744 |
| Average total loans | $85,815,330 | 4,258 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2389% | 589 |
| Cost of funding earning assets | 1.9047% | 1,428 |
| Net interest margin | 4.3342% | 1,580 |
| Noninterest income to average assets | 0.4187% | 4,745 |
| Noninterest expense to average assets | 2.6051% | 5,340 |
| Loan and lease loss provision to assets | 0.6978% | 1,826 |
| Net operating income to assets | 1.1824% | 1,588 |
| Return on assets (ROA) | 1.1824% | 1,667 |
| Pretax return on assets | 1.1824% | 2,430 |
| Return on Equity (ROE) | 15.2376% | 832 |
| Retained earnings to average equity (ytd only) | 15.2376% | 392 |
| Net charge-offs to loans | 0.5580% | 2,407 |
| Credit loss provision to net charge-offs | 153.8462% | 2,328 |
| Earnings coverage of net charge-offs (x) | 4.1453% | 2,694 |
| Efficiency ratio | 58.0812% | 6,478 |
| Assets per employee ($millions) | 3.7623% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,363 |
| Loan loss allowance to noncurrent loans | 123.6559% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.3385% | 4,512 |
| Noncurrent loans to loans | 0.9908% | 5,343 |
| Net loans and leases to total assets | 79.2091% | 946 |
| Net loans and leases to deposits | 86.2013% | 2,546 |
| Net loans and leases to core deposits | 99.7394% | 2,159 |
| Total domestic deposits to total assets | 91.8885% | 266 |
| Equity capital to assets | 7.7764% | 6,860 |
| Core capital (leverage) ratio | 7.7636% | 6,548 |
| Tier 1 risk-based capital ratio | 10.5644% | 6,574 |
| Total risk-based capital ratio | 11.8250% | 6,556 |
| Memoranda: | ||
| Average total assets | $103,183,000 | 5,056 |
| Average earning assets | $96,812,000 | 4,960 |
| Average equity | $8,006,500 | 5,840 |
| Average total loans | $83,869,500 | 4,388 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5251% | 640 |
| Cost of funding earning assets | 2.3815% | 1,355 |
| Net interest margin | 4.1436% | 2,270 |
| Noninterest income to average assets | 0.5635% | 3,913 |
| Noninterest expense to average assets | 2.7364% | 5,215 |
| Loan and lease loss provision to assets | 0.5750% | 3,504 |
| Net operating income to assets | 1.1206% | 1,466 |
| Return on assets (ROA) | 1.1206% | 1,496 |
| Pretax return on assets | 1.1206% | 2,185 |
| Return on Equity (ROE) | 14.0363% | 777 |
| Retained earnings to average equity (ytd only) | 8.6772% | 547 |
| Net charge-offs to loans | 0.4645% | 3,921 |
| Credit loss provision to net charge-offs | 150.6887% | 3,071 |
| Earnings coverage of net charge-offs (x) | 4.4435% | 2,952 |
| Efficiency ratio | 61.7410% | 6,198 |
| Assets per employee ($millions) | 3.8855% | 4,060 |
| Cash dividends to net income (ytd only)* | 38.1801% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,545 |
| Loan loss allowance to noncurrent loans | 74.8268% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.1758% | 3,160 |
| Noncurrent loans to loans | 1.5601% | 4,313 |
| Net loans and leases to total assets | 81.4575% | 769 |
| Net loans and leases to deposits | 89.5722% | 2,285 |
| Net loans and leases to core deposits | 138.3816% | 864 |
| Total domestic deposits to total assets | 90.9406% | 554 |
| Equity capital to assets | 7.7419% | 6,822 |
| Core capital (leverage) ratio | 7.6707% | 6,586 |
| Tier 1 risk-based capital ratio | 10.1845% | 6,697 |
| Total risk-based capital ratio | 11.4347% | 6,673 |
| Memoranda: | ||
| Average total assets | $95,125,600 | 5,236 |
| Average earning assets | $88,811,400 | 5,159 |
| Average equity | $7,594,600 | 6,054 |
| Average total loans | $78,147,600 | 4,578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5844% | 635 |
| Cost of funding earning assets | 2.4499% | 1,443 |
| Net interest margin | 4.1345% | 2,268 |
| Noninterest income to average assets | 0.7161% | 2,912 |
| Noninterest expense to average assets | 2.9314% | 4,310 |
| Loan and lease loss provision to assets | 0.5794% | 3,072 |
| Net operating income to assets | 1.0663% | 1,844 |
| Return on assets (ROA) | 1.0663% | 1,889 |
| Pretax return on assets | 1.0663% | 2,683 |
| Return on Equity (ROE) | 13.2481% | 1,058 |
| Retained earnings to average equity (ytd only) | 12.6821% | 287 |
| Net charge-offs to loans | 0.4631% | 3,370 |
| Credit loss provision to net charge-offs | 152.4345% | 3,134 |
| Earnings coverage of net charge-offs (x) | 4.3296% | 3,174 |
| Efficiency ratio | 64.0435% | 5,744 |
| Assets per employee ($millions) | 3.6467% | 4,552 |
| Cash dividends to net income (ytd only)* | 4.2728% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1674% | 5,310 |
| Loan loss allowance to noncurrent loans | 138.3010% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 1.8880% | 3,527 |
| Noncurrent loans to loans | 0.8441% | 5,605 |
| Net loans and leases to total assets | 79.7902% | 1,214 |
| Net loans and leases to deposits | 89.2183% | 2,736 |
| Net loans and leases to core deposits | 136.7336% | 1,065 |
| Total domestic deposits to total assets | 89.4325% | 1,003 |
| Equity capital to assets | 8.1036% | 6,736 |
| Core capital (leverage) ratio | 8.0453% | 6,284 |
| Tier 1 risk-based capital ratio | 10.4641% | 6,510 |
| Total risk-based capital ratio | 11.7095% | 6,466 |
| Memoranda: | ||
| Average total assets | $93,651,500 | 5,310 |
| Average earning assets | $87,457,250 | 5,247 |
| Average equity | $7,538,000 | 6,135 |
| Average total loans | $76,869,000 | 4,664 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5865% | 677 |
| Cost of funding earning assets | 2.5456% | 1,463 |
| Net interest margin | 4.0409% | 2,539 |
| Noninterest income to average assets | 0.8278% | 2,282 |
| Noninterest expense to average assets | 2.9876% | 4,131 |
| Loan and lease loss provision to assets | 0.5258% | 2,917 |
| Net operating income to assets | 1.0842% | 1,828 |
| Return on assets (ROA) | 1.0842% | 1,902 |
| Pretax return on assets | 1.0842% | 2,693 |
| Return on Equity (ROE) | 13.5029% | 1,070 |
| Retained earnings to average equity (ytd only) | 12.6370% | 365 |
| Net charge-offs to loans | 0.4632% | 2,976 |
| Credit loss provision to net charge-offs | 137.5000% | 3,395 |
| Earnings coverage of net charge-offs (x) | 4.2102% | 3,174 |
| Efficiency ratio | 64.9811% | 5,724 |
| Assets per employee ($millions) | 3.4766% | 4,873 |
| Cash dividends to net income (ytd only)* | 6.4128% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 5,451 |
| Loan loss allowance to noncurrent loans | 84.9751% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 2.1669% | 2,978 |
| Noncurrent loans to loans | 1.3189% | 4,575 |
| Net loans and leases to total assets | 80.2670% | 1,264 |
| Net loans and leases to deposits | 89.8237% | 2,861 |
| Net loans and leases to core deposits | 138.5808% | 1,076 |
| Total domestic deposits to total assets | 89.3606% | 1,101 |
| Equity capital to assets | 8.0592% | 6,677 |
| Core capital (leverage) ratio | 7.9727% | 6,381 |
| Tier 1 risk-based capital ratio | 10.6282% | 6,255 |
| Total risk-based capital ratio | 11.8309% | 6,251 |
| Memoranda: | ||
| Average total assets | $92,048,000 | 5,406 |
| Average earning assets | $85,872,330 | 5,345 |
| Average equity | $7,391,000 | 6,226 |
| Average total loans | $75,995,000 | 4,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7399% | 544 |
| Cost of funding earning assets | 2.6111% | 1,525 |
| Net interest margin | 4.1288% | 2,171 |
| Noninterest income to average assets | 1.0577% | 1,329 |
| Noninterest expense to average assets | 3.0108% | 3,715 |
| Loan and lease loss provision to assets | 0.5355% | 2,331 |
| Net operating income to assets | 1.3562% | 1,246 |
| Return on assets (ROA) | 1.3562% | 1,334 |
| Pretax return on assets | 1.3562% | 2,101 |
| Return on Equity (ROE) | 16.9222% | 696 |
| Retained earnings to average equity (ytd only) | 16.9222% | 277 |
| Net charge-offs to loans | 0.3742% | 2,591 |
| Credit loss provision to net charge-offs | 171.8310% | 2,493 |
| Earnings coverage of net charge-offs (x) | 6.0704% | 2,550 |
| Efficiency ratio | 61.4145% | 6,175 |
| Assets per employee ($millions) | 3.4742% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,457 |
| Loan loss allowance to noncurrent loans | 61.7366% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 2.2686% | 2,527 |
| Noncurrent loans to loans | 1.7852% | 3,580 |
| Net loans and leases to total assets | 80.2618% | 1,332 |
| Net loans and leases to deposits | 91.2339% | 2,736 |
| Net loans and leases to core deposits | 141.3939% | 1,045 |
| Total domestic deposits to total assets | 87.9737% | 1,758 |
| Equity capital to assets | 7.9528% | 6,881 |
| Core capital (leverage) ratio | 8.0450% | 6,391 |
| Tier 1 risk-based capital ratio | 10.4725% | 6,424 |
| Total risk-based capital ratio | 11.6617% | 6,393 |
| Memoranda: | ||
| Average total assets | $91,138,000 | 5,448 |
| Average earning assets | $84,867,500 | 5,399 |
| Average equity | $7,304,000 | 6,296 |
| Average total loans | $75,893,000 | 4,769 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5324% | 391 |
| Cost of funding earning assets | 3.3473% | 816 |
| Net interest margin | 4.1851% | 2,367 |
| Noninterest income to average assets | 0.6514% | 3,464 |
| Noninterest expense to average assets | 2.7760% | 4,925 |
| Loan and lease loss provision to assets | 0.2140% | 4,751 |
| Net operating income to assets | 1.5520% | 923 |
| Return on assets (ROA) | 1.5520% | 891 |
| Pretax return on assets | 1.5144% | 1,640 |
| Return on Equity (ROE) | 19.2101% | 437 |
| Retained earnings to average equity (ytd only) | 10.5510% | 384 |
| Net charge-offs to loans | 0.1888% | 4,298 |
| Credit loss provision to net charge-offs | 137.8788% | 3,861 |
| Earnings coverage of net charge-offs (x) | 11.1364% | 2,408 |
| Efficiency ratio | 61.6288% | 6,023 |
| Assets per employee ($millions) | 3.2768% | 5,271 |
| Cash dividends to net income (ytd only)* | 45.0758% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,704 |
| Loan loss allowance to noncurrent loans | 99.8733% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 2.1679% | 2,257 |
| Noncurrent loans to loans | 1.0428% | 4,495 |
| Net loans and leases to total assets | 84.6258% | 789 |
| Net loans and leases to deposits | 98.0988% | 2,110 |
| Net loans and leases to core deposits | 156.7191% | 650 |
| Total domestic deposits to total assets | 86.2659% | 2,281 |
| Equity capital to assets | 8.0793% | 6,736 |
| Core capital (leverage) ratio | 8.1207% | 6,298 |
| Tier 1 risk-based capital ratio | 9.6231% | 7,182 |
| Total risk-based capital ratio | 10.6941% | 7,284 |
| Memoranda: | ||
| Average total assets | $85,051,400 | 5,516 |
| Average earning assets | $78,301,800 | 5,485 |
| Average equity | $6,871,400 | 6,500 |
| Average total loans | $69,928,000 | 4,870 |