Home > Glennville Bank > Performance and Condition Ratios
Glennville Bank, 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 | 5.7533% | 1,571 |
| Cost of funding earning assets | 1.7330% | 2,637 |
| Net interest margin | 4.0203% | 1,245 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 2.3832% | 2,625 |
| Loan and lease loss provision to assets | 0.0100% | 2,596 |
| Net operating income to assets | 1.4829% | 1,127 |
| Return on assets (ROA) | 1.4570% | 1,163 |
| Pretax return on assets | 1.8603% | 868 |
| Return on Equity (ROE) | 16.3500% | 848 |
| Retained earnings to average equity (ytd only) | 16.3500% | 323 |
| Net charge-offs to loans | 0.0628% | 1,057 |
| Credit loss provision to net charge-offs | 45.4545% | 1,559 |
| Earnings coverage of net charge-offs (x) | 58.0606% | 930 |
| Efficiency ratio | 55.5349% | 3,467 |
| Assets per employee ($millions) | 5.9080% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9443% | 420 |
| Loan loss allowance to noncurrent loans | 259.4249% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3839% | 1,809 |
| Noncurrent loans to loans | 0.7495% | 1,381 |
| Net loans and leases to total assets | 50.2300% | 3,556 |
| Net loans and leases to deposits | 56.0450% | 3,649 |
| Net loans and leases to core deposits | 59.6738% | 3,709 |
| Total domestic deposits to total assets | 89.6200% | 938 |
| Equity capital to assets | 9.0817% | 2,877 |
| Core capital (leverage) ratio | 10.7775% | 2,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7910% | 593 |
| Memoranda: | ||
| Average total assets | $401,653,000 | 2,065 |
| Average earning assets | $378,077,000 | 2,047 |
| Average equity | $35,792,000 | 2,198 |
| Average total loans | $210,100,500 | 2,343 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9611% | 1,345 |
| Cost of funding earning assets | 1.8830% | 2,508 |
| Net interest margin | 4.0781% | 1,083 |
| Noninterest income to average assets | 0.5100% | 1,882 |
| Noninterest expense to average assets | 2.4606% | 2,414 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.3539% | 1,171 |
| Return on assets (ROA) | 1.3522% | 1,166 |
| Pretax return on assets | 1.7345% | 918 |
| Return on Equity (ROE) | 14.8300% | 960 |
| Retained earnings to average equity (ytd only) | 6.7096% | 1,545 |
| Net charge-offs to loans | 0.0085% | 2,603 |
| Credit loss provision to net charge-offs | 2,194.4444% | 215 |
| Earnings coverage of net charge-offs (x) | 397.3889% | 307 |
| Efficiency ratio | 56.7272% | 3,484 |
| Assets per employee ($millions) | 5.7341% | 3,084 |
| Cash dividends to net income (ytd only)* | 54.7642% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 422 |
| Loan loss allowance to noncurrent loans | 273.1413% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 1,785 |
| Noncurrent loans to loans | 0.7063% | 1,394 |
| Net loans and leases to total assets | 52.4000% | 3,500 |
| Net loans and leases to deposits | 58.2495% | 3,604 |
| Net loans and leases to core deposits | 62.0452% | 3,678 |
| Total domestic deposits to total assets | 89.9500% | 832 |
| Equity capital to assets | 8.7355% | 3,023 |
| Core capital (leverage) ratio | 10.6713% | 2,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9696% | 667 |
| Memoranda: | ||
| Average total assets | $381,079,200 | 2,099 |
| Average earning assets | $357,620,400 | 2,083 |
| Average equity | $34,741,200 | 2,180 |
| Average total loans | $211,255,000 | 2,288 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 1,382 |
| Cost of funding earning assets | 1.8893% | 2,497 |
| Net interest margin | 4.0196% | 1,114 |
| Noninterest income to average assets | 0.5200% | 1,809 |
| Noninterest expense to average assets | 2.4470% | 2,398 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 1.4297% | 1,050 |
| Return on assets (ROA) | 1.4275% | 1,047 |
| Pretax return on assets | 1.8302% | 833 |
| Return on Equity (ROE) | 15.4900% | 886 |
| Retained earnings to average equity (ytd only) | 15.4886% | 218 |
| Net charge-offs to loans | 0.0246% | 1,845 |
| Credit loss provision to net charge-offs | -307.6923% | 4,441 |
| Earnings coverage of net charge-offs (x) | 133.5641% | 664 |
| Efficiency ratio | 57.0781% | 3,453 |
| Assets per employee ($millions) | 5.3316% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6428% | 764 |
| Loan loss allowance to noncurrent loans | 220.0000% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 1,609 |
| Noncurrent loans to loans | 0.7467% | 1,324 |
| Net loans and leases to total assets | 55.2400% | 3,324 |
| Net loans and leases to deposits | 62.3235% | 3,459 |
| Net loans and leases to core deposits | 67.0290% | 3,525 |
| Total domestic deposits to total assets | 88.6400% | 1,036 |
| Equity capital to assets | 9.9904% | 2,303 |
| Core capital (leverage) ratio | 11.4388% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3018% | 659 |
| Memoranda: | ||
| Average total assets | $377,436,250 | 2,109 |
| Average earning assets | $354,188,500 | 2,094 |
| Average equity | $34,786,000 | 2,176 |
| Average total loans | $211,222,750 | 2,286 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8385% | 1,399 |
| Cost of funding earning assets | 1.8558% | 2,484 |
| Net interest margin | 3.9827% | 1,132 |
| Noninterest income to average assets | 0.5100% | 1,806 |
| Noninterest expense to average assets | 2.4706% | 2,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.3836% | 1,110 |
| Return on assets (ROA) | 1.3803% | 1,124 |
| Pretax return on assets | 1.7677% | 894 |
| Return on Equity (ROE) | 15.4200% | 923 |
| Retained earnings to average equity (ytd only) | 15.4177% | 265 |
| Net charge-offs to loans | 0.0400% | 1,403 |
| Credit loss provision to net charge-offs | -321.4286% | 4,482 |
| Earnings coverage of net charge-offs (x) | 79.2857% | 888 |
| Efficiency ratio | 58.1973% | 3,370 |
| Assets per employee ($millions) | 5.1441% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 746 |
| Loan loss allowance to noncurrent loans | 220.8020% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 1,513 |
| Noncurrent loans to loans | 0.7498% | 1,243 |
| Net loans and leases to total assets | 55.7500% | 3,284 |
| Net loans and leases to deposits | 62.3123% | 3,456 |
| Net loans and leases to core deposits | 67.1269% | 3,499 |
| Total domestic deposits to total assets | 89.4600% | 856 |
| Equity capital to assets | 9.2850% | 2,541 |
| Core capital (leverage) ratio | 11.2026% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1090% | 668 |
| Memoranda: | ||
| Average total assets | $375,289,000 | 2,115 |
| Average earning assets | $351,974,000 | 2,092 |
| Average equity | $33,597,667 | 2,197 |
| Average total loans | $209,760,667 | 2,284 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7227% | 1,445 |
| Cost of funding earning assets | 1.8118% | 2,477 |
| Net interest margin | 3.9109% | 1,213 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.3349% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4332% | 998 |
| Return on assets (ROA) | 1.4340% | 1,006 |
| Pretax return on assets | 1.8349% | 793 |
| Return on Equity (ROE) | 16.3200% | 799 |
| Retained earnings to average equity (ytd only) | 16.3213% | 344 |
| Net charge-offs to loans | 0.0384% | 1,151 |
| Credit loss provision to net charge-offs | -455.0000% | 4,521 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 731 |
| Efficiency ratio | 56.0102% | 3,596 |
| Assets per employee ($millions) | 5.3995% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7115% | 654 |
| Loan loss allowance to noncurrent loans | 274.8851% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 1,746 |
| Noncurrent loans to loans | 0.6226% | 1,408 |
| Net loans and leases to total assets | 53.7800% | 3,366 |
| Net loans and leases to deposits | 59.7283% | 3,524 |
| Net loans and leases to core deposits | 63.5216% | 3,623 |
| Total domestic deposits to total assets | 90.0400% | 781 |
| Equity capital to assets | 8.6884% | 2,896 |
| Core capital (leverage) ratio | 10.8790% | 2,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5214% | 740 |
| Memoranda: | ||
| Average total assets | $375,174,500 | 2,125 |
| Average earning assets | $352,144,000 | 2,099 |
| Average equity | $32,963,000 | 2,227 |
| Average total loans | $208,209,000 | 2,296 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 1,451 |
| Cost of funding earning assets | 1.2328% | 2,719 |
| Net interest margin | 4.0906% | 1,086 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.2708% | 2,918 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5576% | 924 |
| Return on assets (ROA) | 1.4920% | 1,002 |
| Pretax return on assets | 1.9295% | 744 |
| Return on Equity (ROE) | 18.2800% | 781 |
| Retained earnings to average equity (ytd only) | 9.3485% | 1,172 |
| Net charge-offs to loans | 0.0163% | 2,050 |
| Credit loss provision to net charge-offs | 781.2500% | 488 |
| Earnings coverage of net charge-offs (x) | 245.7188% | 505 |
| Efficiency ratio | 52.2093% | 3,813 |
| Assets per employee ($millions) | 5.3187% | 3,376 |
| Cash dividends to net income (ytd only)* | 48.8661% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7909% | 543 |
| Loan loss allowance to noncurrent loans | 406.7033% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 1,972 |
| Noncurrent loans to loans | 0.4403% | 1,677 |
| Net loans and leases to total assets | 55.3000% | 3,251 |
| Net loans and leases to deposits | 61.5450% | 3,436 |
| Net loans and leases to core deposits | 65.4939% | 3,516 |
| Total domestic deposits to total assets | 89.8600% | 798 |
| Equity capital to assets | 8.8881% | 2,754 |
| Core capital (leverage) ratio | 10.5255% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2926% | 754 |
| Memoranda: | ||
| Average total assets | $378,275,200 | 2,086 |
| Average earning assets | $355,128,200 | 2,068 |
| Average equity | $30,871,200 | 2,231 |
| Average total loans | $196,565,000 | 2,305 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 1,516 |
| Cost of funding earning assets | 1.0736% | 2,821 |
| Net interest margin | 4.0933% | 1,079 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.2328% | 2,984 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6506% | 861 |
| Return on assets (ROA) | 1.5992% | 937 |
| Pretax return on assets | 2.0495% | 715 |
| Return on Equity (ROE) | 20.0300% | 722 |
| Retained earnings to average equity (ytd only) | 20.0250% | 261 |
| Net charge-offs to loans | 0.0131% | 1,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 318.1053% | 431 |
| Efficiency ratio | 51.3601% | 3,805 |
| Assets per employee ($millions) | 5.5956% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 621 |
| Loan loss allowance to noncurrent loans | 296.3744% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 1,772 |
| Noncurrent loans to loans | 0.5922% | 1,355 |
| Net loans and leases to total assets | 51.7100% | 3,516 |
| Net loans and leases to deposits | 56.9711% | 3,662 |
| Net loans and leases to core deposits | 60.3869% | 3,686 |
| Total domestic deposits to total assets | 90.7700% | 728 |
| Equity capital to assets | 8.1243% | 2,964 |
| Core capital (leverage) ratio | 10.7769% | 2,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1941% | 678 |
| Memoranda: | ||
| Average total assets | $381,097,250 | 2,076 |
| Average earning assets | $357,783,250 | 2,047 |
| Average equity | $30,434,500 | 2,235 |
| Average total loans | $194,041,750 | 2,328 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 1,474 |
| Cost of funding earning assets | 0.8476% | 3,079 |
| Net interest margin | 4.1994% | 933 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.1794% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7661% | 699 |
| Return on assets (ROA) | 1.7661% | 699 |
| Pretax return on assets | 2.2686% | 490 |
| Return on Equity (ROE) | 22.2400% | 529 |
| Retained earnings to average equity (ytd only) | 22.2428% | 179 |
| Net charge-offs to loans | 0.0250% | 1,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 180.2083% | 663 |
| Efficiency ratio | 48.9976% | 3,997 |
| Assets per employee ($millions) | 5.8376% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7965% | 618 |
| Loan loss allowance to noncurrent loans | 315.0808% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 1,761 |
| Noncurrent loans to loans | 0.5702% | 1,314 |
| Net loans and leases to total assets | 49.8000% | 3,576 |
| Net loans and leases to deposits | 54.8083% | 3,704 |
| Net loans and leases to core deposits | 57.2601% | 3,753 |
| Total domestic deposits to total assets | 90.8600% | 690 |
| Equity capital to assets | 8.1992% | 3,085 |
| Core capital (leverage) ratio | 10.4535% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2006% | 696 |
| Memoranda: | ||
| Average total assets | $381,295,667 | 2,072 |
| Average earning assets | $358,197,667 | 2,054 |
| Average equity | $30,275,000 | 2,255 |
| Average total loans | $191,963,667 | 2,342 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 1,473 |
| Cost of funding earning assets | 0.6535% | 3,208 |
| Net interest margin | 4.2128% | 931 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 2.1798% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7864% | 689 |
| Return on assets (ROA) | 1.7864% | 680 |
| Pretax return on assets | 2.2874% | 497 |
| Return on Equity (ROE) | 22.8800% | 515 |
| Retained earnings to average equity (ytd only) | 22.8784% | 249 |
| Net charge-offs to loans | 0.0420% | 938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 108.4500% | 747 |
| Efficiency ratio | 48.7960% | 4,042 |
| Assets per employee ($millions) | 5.8069% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8513% | 600 |
| Loan loss allowance to noncurrent loans | 295.2381% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 1,606 |
| Noncurrent loans to loans | 0.6270% | 1,196 |
| Net loans and leases to total assets | 48.8900% | 3,576 |
| Net loans and leases to deposits | 53.7531% | 3,702 |
| Net loans and leases to core deposits | 56.3457% | 3,722 |
| Total domestic deposits to total assets | 90.9500% | 822 |
| Equity capital to assets | 8.1526% | 3,137 |
| Core capital (leverage) ratio | 10.0323% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6932% | 770 |
| Memoranda: | ||
| Average total assets | $379,303,500 | 2,106 |
| Average earning assets | $356,244,000 | 2,090 |
| Average equity | $29,617,500 | 2,309 |
| Average total loans | $190,254,000 | 2,371 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 1,499 |
| Cost of funding earning assets | 0.2979% | 2,893 |
| Net interest margin | 3.7912% | 1,174 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.1315% | 3,214 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.4756% | 944 |
| Return on assets (ROA) | 1.4756% | 907 |
| Pretax return on assets | 1.8894% | 601 |
| Return on Equity (ROE) | 18.5000% | 635 |
| Retained earnings to average equity (ytd only) | 12.1547% | 641 |
| Net charge-offs to loans | 0.0455% | 1,231 |
| Credit loss provision to net charge-offs | 421.6867% | 755 |
| Earnings coverage of net charge-offs (x) | 89.3133% | 1,028 |
| Efficiency ratio | 51.8042% | 3,995 |
| Assets per employee ($millions) | 5.7747% | 2,970 |
| Cash dividends to net income (ytd only)* | 34.3002% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9925% | 435 |
| Loan loss allowance to noncurrent loans | 289.5019% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.3615% | 1,416 |
| Noncurrent loans to loans | 0.6883% | 1,087 |
| Net loans and leases to total assets | 49.5100% | 3,542 |
| Net loans and leases to deposits | 53.9359% | 3,680 |
| Net loans and leases to core deposits | 56.5939% | 3,696 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.4570% | 3,404 |
| Core capital (leverage) ratio | 9.5065% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2178% | 803 |
| Memoranda: | ||
| Average total assets | $373,824,000 | 2,128 |
| Average earning assets | $351,788,400 | 2,103 |
| Average equity | $29,815,600 | 2,344 |
| Average total loans | $182,412,600 | 2,356 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8384% | 1,641 |
| Cost of funding earning assets | 0.2654% | 2,540 |
| Net interest margin | 3.5731% | 1,459 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.0893% | 3,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4388% | 984 |
| Return on assets (ROA) | 1.4388% | 959 |
| Pretax return on assets | 1.8426% | 667 |
| Return on Equity (ROE) | 17.7500% | 676 |
| Retained earnings to average equity (ytd only) | 17.7497% | 172 |
| Net charge-offs to loans | 0.0598% | 885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 63.7160% | 1,142 |
| Efficiency ratio | 53.1372% | 3,902 |
| Assets per employee ($millions) | 6.4241% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8257% | 695 |
| Loan loss allowance to noncurrent loans | 351.7949% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 1,955 |
| Noncurrent loans to loans | 0.5190% | 1,502 |
| Net loans and leases to total assets | 47.8500% | 3,642 |
| Net loans and leases to deposits | 51.9323% | 3,735 |
| Net loans and leases to core deposits | 54.5863% | 3,715 |
| Total domestic deposits to total assets | 92.1400% | 837 |
| Equity capital to assets | 7.0591% | 3,478 |
| Core capital (leverage) ratio | 9.6360% | 2,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6893% | 764 |
| Memoranda: | ||
| Average total assets | $373,441,500 | 2,137 |
| Average earning assets | $351,698,000 | 2,117 |
| Average equity | $30,272,000 | 2,357 |
| Average total loans | $180,613,000 | 2,370 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6248% | 1,762 |
| Cost of funding earning assets | 0.2561% | 2,182 |
| Net interest margin | 3.3687% | 1,692 |
| Noninterest income to average assets | 0.5885% | 1,788 |
| Noninterest expense to average assets | 2.0680% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3236% | 1,082 |
| Return on assets (ROA) | 1.3236% | 1,061 |
| Pretax return on assets | 1.6966% | 759 |
| Return on Equity (ROE) | 15.6265% | 766 |
| Retained earnings to average equity (ytd only) | 15.6265% | 216 |
| Net charge-offs to loans | 0.0067% | 1,755 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 522.3333% | 248 |
| Efficiency ratio | 54.9324% | 3,875 |
| Assets per employee ($millions) | 5.9475% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9719% | 587 |
| Loan loss allowance to noncurrent loans | 299.0614% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 1,758 |
| Noncurrent loans to loans | 0.6593% | 1,301 |
| Net loans and leases to total assets | 46.5040% | 3,680 |
| Net loans and leases to deposits | 50.7237% | 3,769 |
| Net loans and leases to core deposits | 53.5080% | 3,727 |
| Total domestic deposits to total assets | 91.6811% | 975 |
| Equity capital to assets | 7.5489% | 3,439 |
| Core capital (leverage) ratio | 9.6269% | 2,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4254% | 793 |
| Memoranda: | ||
| Average total assets | $369,440,333 | 2,159 |
| Average earning assets | $348,324,000 | 2,149 |
| Average equity | $31,293,000 | 2,352 |
| Average total loans | $178,191,667 | 2,392 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5361% | 1,682 |
| Cost of funding earning assets | 0.2583% | 2,065 |
| Net interest margin | 3.2777% | 1,625 |
| Noninterest income to average assets | 0.6510% | 1,490 |
| Noninterest expense to average assets | 2.0839% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3053% | 993 |
| Return on assets (ROA) | 1.3053% | 985 |
| Pretax return on assets | 1.6662% | 732 |
| Return on Equity (ROE) | 14.5989% | 721 |
| Retained earnings to average equity (ytd only) | 14.5989% | 323 |
| Net charge-offs to loans | 0.0135% | 1,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 254.6667% | 362 |
| Efficiency ratio | 55.5685% | 3,916 |
| Assets per employee ($millions) | 5.7257% | 3,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9737% | 650 |
| Loan loss allowance to noncurrent loans | 295.5312% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 1,788 |
| Noncurrent loans to loans | 0.6678% | 1,422 |
| Net loans and leases to total assets | 46.7749% | 3,510 |
| Net loans and leases to deposits | 51.4959% | 3,607 |
| Net loans and leases to core deposits | 54.4022% | 3,565 |
| Total domestic deposits to total assets | 90.8321% | 1,117 |
| Equity capital to assets | 8.3642% | 3,273 |
| Core capital (leverage) ratio | 9.5975% | 2,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2165% | 873 |
| Memoranda: | ||
| Average total assets | $366,815,500 | 2,178 |
| Average earning assets | $346,827,000 | 2,157 |
| Average equity | $32,797,000 | 2,341 |
| Average total loans | $178,412,000 | 2,392 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 1,786 |
| Cost of funding earning assets | 0.3644% | 1,814 |
| Net interest margin | 3.4692% | 1,836 |
| Noninterest income to average assets | 0.5620% | 2,312 |
| Noninterest expense to average assets | 2.3483% | 2,665 |
| Loan and lease loss provision to assets | 0.0535% | 1,984 |
| Net operating income to assets | 1.1292% | 2,173 |
| Return on assets (ROA) | 1.1238% | 2,255 |
| Pretax return on assets | 1.4402% | 1,913 |
| Return on Equity (ROE) | 10.9733% | 2,176 |
| Retained earnings to average equity (ytd only) | 6.1001% | 2,318 |
| Net charge-offs to loans | 0.0132% | 2,066 |
| Credit loss provision to net charge-offs | 782.6087% | 611 |
| Earnings coverage of net charge-offs (x) | 219.6087% | 508 |
| Efficiency ratio | 61.0142% | 2,995 |
| Assets per employee ($millions) | 5.6478% | 3,120 |
| Cash dividends to net income (ytd only)* | 44.4092% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 651 |
| Loan loss allowance to noncurrent loans | 193.2306% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 1,301 |
| Noncurrent loans to loans | 1.0137% | 971 |
| Net loans and leases to total assets | 48.6155% | 3,444 |
| Net loans and leases to deposits | 53.9123% | 3,605 |
| Net loans and leases to core deposits | 57.2151% | 3,533 |
| Total domestic deposits to total assets | 90.1752% | 876 |
| Equity capital to assets | 9.5349% | 3,115 |
| Core capital (leverage) ratio | 9.5224% | 2,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1962% | 865 |
| Memoranda: | ||
| Average total assets | $336,626,400 | 2,266 |
| Average earning assets | $318,920,800 | 2,239 |
| Average equity | $34,474,600 | 2,314 |
| Average total loans | $174,362,600 | 2,426 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 1,730 |
| Cost of funding earning assets | 0.3940% | 1,745 |
| Net interest margin | 3.5171% | 1,821 |
| Noninterest income to average assets | 0.5730% | 2,328 |
| Noninterest expense to average assets | 2.2803% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2651% | 1,938 |
| Return on assets (ROA) | 1.2578% | 2,022 |
| Pretax return on assets | 1.6121% | 1,661 |
| Return on Equity (ROE) | 12.0541% | 2,025 |
| Retained earnings to average equity (ytd only) | 12.0541% | 826 |
| Net charge-offs to loans | 0.0193% | 1,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 160.7200% | 646 |
| Efficiency ratio | 58.4445% | 3,202 |
| Assets per employee ($millions) | 5.2707% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8903% | 785 |
| Loan loss allowance to noncurrent loans | 184.2280% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.5790% | 1,326 |
| Noncurrent loans to loans | 1.0260% | 1,112 |
| Net loans and leases to total assets | 49.6693% | 3,443 |
| Net loans and leases to deposits | 55.6103% | 3,615 |
| Net loans and leases to core deposits | 59.1119% | 3,538 |
| Total domestic deposits to total assets | 89.3167% | 1,113 |
| Equity capital to assets | 10.3504% | 2,568 |
| Core capital (leverage) ratio | 10.0525% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2986% | 772 |
| Memoranda: | ||
| Average total assets | $330,417,750 | 2,316 |
| Average earning assets | $312,709,250 | 2,287 |
| Average equity | $34,477,000 | 2,343 |
| Average total loans | $173,144,000 | 2,480 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9825% | 1,609 |
| Cost of funding earning assets | 0.4340% | 1,628 |
| Net interest margin | 3.5485% | 1,720 |
| Noninterest income to average assets | 0.5693% | 2,341 |
| Noninterest expense to average assets | 2.3173% | 2,713 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2535% | 2,011 |
| Return on assets (ROA) | 1.2569% | 2,069 |
| Pretax return on assets | 1.6112% | 1,705 |
| Return on Equity (ROE) | 12.0115% | 2,062 |
| Retained earnings to average equity (ytd only) | 12.0115% | 916 |
| Net charge-offs to loans | 0.0093% | 1,794 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 326.0000% | 353 |
| Efficiency ratio | 59.0517% | 3,144 |
| Assets per employee ($millions) | 5.1910% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 714 |
| Loan loss allowance to noncurrent loans | 270.2746% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 1,908 |
| Noncurrent loans to loans | 0.7083% | 1,668 |
| Net loans and leases to total assets | 50.8091% | 3,470 |
| Net loans and leases to deposits | 56.8615% | 3,651 |
| Net loans and leases to core deposits | 60.6504% | 3,576 |
| Total domestic deposits to total assets | 89.3559% | 1,104 |
| Equity capital to assets | 10.3282% | 2,555 |
| Core capital (leverage) ratio | 10.1736% | 2,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9743% | 810 |
| Memoranda: | ||
| Average total assets | $324,600,667 | 2,334 |
| Average earning assets | $306,889,667 | 2,305 |
| Average equity | $33,967,333 | 2,357 |
| Average total loans | $172,154,333 | 2,496 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 1,622 |
| Cost of funding earning assets | 0.4820% | 1,502 |
| Net interest margin | 3.5128% | 1,792 |
| Noninterest income to average assets | 0.5720% | 2,319 |
| Noninterest expense to average assets | 2.2929% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2470% | 1,986 |
| Return on assets (ROA) | 1.2470% | 2,067 |
| Pretax return on assets | 1.5953% | 1,745 |
| Return on Equity (ROE) | 11.8354% | 2,079 |
| Retained earnings to average equity (ytd only) | 11.8354% | 1,193 |
| Net charge-offs to loans | 0.0281% | 1,209 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 105.7500% | 599 |
| Efficiency ratio | 58.9719% | 3,162 |
| Assets per employee ($millions) | 5.0695% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9794% | 621 |
| Loan loss allowance to noncurrent loans | 346.3212% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 2,375 |
| Noncurrent loans to loans | 0.5716% | 2,143 |
| Net loans and leases to total assets | 51.0074% | 3,535 |
| Net loans and leases to deposits | 57.1128% | 3,707 |
| Net loans and leases to core deposits | 60.9631% | 3,644 |
| Total domestic deposits to total assets | 89.3099% | 1,165 |
| Equity capital to assets | 10.3385% | 2,407 |
| Core capital (leverage) ratio | 10.2672% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9713% | 796 |
| Memoranda: | ||
| Average total assets | $318,193,000 | 2,350 |
| Average earning assets | $300,390,500 | 2,325 |
| Average equity | $33,526,500 | 2,372 |
| Average total loans | $170,839,500 | 2,508 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 698 |
| Cost of funding earning assets | 0.8175% | 1,138 |
| Net interest margin | 4.0106% | 954 |
| Noninterest income to average assets | 0.5847% | 2,275 |
| Noninterest expense to average assets | 2.6720% | 2,322 |
| Loan and lease loss provision to assets | 0.1963% | 1,988 |
| Net operating income to assets | 1.1544% | 1,704 |
| Return on assets (ROA) | 1.1782% | 1,733 |
| Pretax return on assets | 1.5095% | 1,301 |
| Return on Equity (ROE) | 10.2388% | 1,914 |
| Retained earnings to average equity (ytd only) | 5.2550% | 2,159 |
| Net charge-offs to loans | 0.0746% | 1,740 |
| Credit loss provision to net charge-offs | 440.9449% | 1,347 |
| Earnings coverage of net charge-offs (x) | 37.6378% | 1,436 |
| Efficiency ratio | 61.4578% | 3,228 |
| Assets per employee ($millions) | 4.7263% | 3,692 |
| Cash dividends to net income (ytd only)* | 48.6760% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9405% | 656 |
| Loan loss allowance to noncurrent loans | 210.0188% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6094% | 1,735 |
| Noncurrent loans to loans | 0.9240% | 1,522 |
| Net loans and leases to total assets | 54.3347% | 3,463 |
| Net loans and leases to deposits | 61.1447% | 3,667 |
| Net loans and leases to core deposits | 65.3229% | 3,598 |
| Total domestic deposits to total assets | 88.8625% | 1,044 |
| Equity capital to assets | 10.7426% | 2,483 |
| Core capital (leverage) ratio | 10.3474% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8201% | 926 |
| Memoranda: | ||
| Average total assets | $285,257,000 | 2,368 |
| Average earning assets | $267,637,800 | 2,353 |
| Average equity | $32,826,000 | 2,341 |
| Average total loans | $170,241,000 | 2,484 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0041% | 598 |
| Cost of funding earning assets | 0.8897% | 1,099 |
| Net interest margin | 4.1144% | 872 |
| Noninterest income to average assets | 0.5786% | 2,263 |
| Noninterest expense to average assets | 2.6959% | 2,275 |
| Loan and lease loss provision to assets | 0.0861% | 3,235 |
| Net operating income to assets | 1.2860% | 1,388 |
| Return on assets (ROA) | 1.3185% | 1,398 |
| Pretax return on assets | 1.6933% | 978 |
| Return on Equity (ROE) | 11.2486% | 1,608 |
| Retained earnings to average equity (ytd only) | 11.2486% | 529 |
| Net charge-offs to loans | 0.0079% | 2,837 |
| Credit loss provision to net charge-offs | 1,800.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 363.2000% | 312 |
| Efficiency ratio | 60.7987% | 3,260 |
| Assets per employee ($millions) | 4.5788% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7898% | 744 |
| Loan loss allowance to noncurrent loans | 315.4082% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 2,619 |
| Noncurrent loans to loans | 0.5675% | 2,378 |
| Net loans and leases to total assets | 56.9880% | 3,523 |
| Net loans and leases to deposits | 64.8397% | 3,722 |
| Net loans and leases to core deposits | 69.5758% | 3,651 |
| Total domestic deposits to total assets | 87.8906% | 1,267 |
| Equity capital to assets | 11.6064% | 1,935 |
| Core capital (leverage) ratio | 11.0593% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9562% | 788 |
| Memoranda: | ||
| Average total assets | $278,587,000 | 2,389 |
| Average earning assets | $261,057,500 | 2,370 |
| Average equity | $32,655,000 | 2,340 |
| Average total loans | $169,590,250 | 2,492 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 704 |
| Cost of funding earning assets | 0.9570% | 1,122 |
| Net interest margin | 4.1311% | 1,058 |
| Noninterest income to average assets | 0.5730% | 2,241 |
| Noninterest expense to average assets | 2.7240% | 2,310 |
| Loan and lease loss provision to assets | 0.0294% | 3,885 |
| Net operating income to assets | 1.3167% | 1,317 |
| Return on assets (ROA) | 1.3312% | 1,376 |
| Pretax return on assets | 1.7036% | 996 |
| Return on Equity (ROE) | 11.3159% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.3159% | 563 |
| Net charge-offs to loans | -0.0071% | 4,105 |
| Credit loss provision to net charge-offs | -666.6667% | 3,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3704% | 3,219 |
| Assets per employee ($millions) | 4.4870% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7112% | 798 |
| Loan loss allowance to noncurrent loans | 101.4359% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2787% | 823 |
| Noncurrent loans to loans | 1.6870% | 858 |
| Net loans and leases to total assets | 59.3444% | 3,392 |
| Net loans and leases to deposits | 67.5391% | 3,603 |
| Net loans and leases to core deposits | 72.6770% | 3,544 |
| Total domestic deposits to total assets | 87.8667% | 1,246 |
| Equity capital to assets | 11.6580% | 1,863 |
| Core capital (leverage) ratio | 11.2883% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1922% | 882 |
| Memoranda: | ||
| Average total assets | $272,243,000 | 2,401 |
| Average earning assets | $254,748,000 | 2,384 |
| Average equity | $32,025,667 | 2,359 |
| Average total loans | $168,554,333 | 2,485 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 619 |
| Cost of funding earning assets | 1.0327% | 1,287 |
| Net interest margin | 4.2039% | 912 |
| Noninterest income to average assets | 0.6088% | 2,006 |
| Noninterest expense to average assets | 2.7615% | 2,540 |
| Loan and lease loss provision to assets | 0.0604% | 3,017 |
| Net operating income to assets | 1.3313% | 1,154 |
| Return on assets (ROA) | 1.3611% | 1,161 |
| Pretax return on assets | 1.7418% | 787 |
| Return on Equity (ROE) | 11.5146% | 1,257 |
| Retained earnings to average equity (ytd only) | 11.5146% | 480 |
| Net charge-offs to loans | 0.0144% | 2,087 |
| Credit loss provision to net charge-offs | 666.6667% | 743 |
| Earnings coverage of net charge-offs (x) | 194.6667% | 354 |
| Efficiency ratio | 61.0147% | 3,613 |
| Assets per employee ($millions) | 3.9631% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7822% | 736 |
| Loan loss allowance to noncurrent loans | 131.4502% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 1,177 |
| Noncurrent loans to loans | 1.3558% | 1,186 |
| Net loans and leases to total assets | 60.4290% | 3,452 |
| Net loans and leases to deposits | 68.9934% | 3,660 |
| Net loans and leases to core deposits | 74.0628% | 3,626 |
| Total domestic deposits to total assets | 87.5866% | 1,282 |
| Equity capital to assets | 11.8680% | 2,170 |
| Core capital (leverage) ratio | 11.5825% | 2,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0446% | 980 |
| Memoranda: | ||
| Average total assets | $264,780,500 | 2,397 |
| Average earning assets | $246,722,500 | 2,394 |
| Average equity | $31,299,500 | 2,384 |
| Average total loans | $166,139,000 | 2,476 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3847% | 686 |
| Cost of funding earning assets | 0.9795% | 1,816 |
| Net interest margin | 4.4051% | 887 |
| Noninterest income to average assets | 0.6208% | 2,128 |
| Noninterest expense to average assets | 3.0187% | 1,971 |
| Loan and lease loss provision to assets | 0.0480% | 3,066 |
| Net operating income to assets | 1.3036% | 1,678 |
| Return on assets (ROA) | 1.3096% | 1,729 |
| Pretax return on assets | 1.6783% | 1,249 |
| Return on Equity (ROE) | 10.9249% | 1,917 |
| Retained earnings to average equity (ytd only) | 5.6628% | 2,049 |
| Net charge-offs to loans | 0.1972% | 1,029 |
| Credit loss provision to net charge-offs | 37.7358% | 3,221 |
| Earnings coverage of net charge-offs (x) | 13.5031% | 2,356 |
| Efficiency ratio | 63.7209% | 3,113 |
| Assets per employee ($millions) | 3.8817% | 4,048 |
| Cash dividends to net income (ytd only)* | 48.1663% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 712 |
| Loan loss allowance to noncurrent loans | 138.3049% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,078 |
| Noncurrent loans to loans | 1.2687% | 1,184 |
| Net loans and leases to total assets | 62.8874% | 3,323 |
| Net loans and leases to deposits | 71.7060% | 3,542 |
| Net loans and leases to core deposits | 76.3053% | 3,555 |
| Total domestic deposits to total assets | 87.7018% | 1,272 |
| Equity capital to assets | 11.7722% | 2,303 |
| Core capital (leverage) ratio | 11.5970% | 2,040 |
| Tier 1 risk-based capital ratio | 17.2516% | 1,980 |
| Total risk-based capital ratio | 18.5069% | 1,920 |
| Memoranda: | ||
| Average total assets | $249,841,000 | 2,465 |
| Average earning assets | $233,477,200 | 2,450 |
| Average equity | $29,949,800 | 2,395 |
| Average total loans | $161,284,200 | 2,498 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4224% | 671 |
| Cost of funding earning assets | 0.9481% | 1,997 |
| Net interest margin | 4.4743% | 813 |
| Noninterest income to average assets | 0.6174% | 2,118 |
| Noninterest expense to average assets | 3.0048% | 1,968 |
| Loan and lease loss provision to assets | 0.0324% | 3,259 |
| Net operating income to assets | 1.3733% | 1,562 |
| Return on assets (ROA) | 1.3490% | 1,720 |
| Pretax return on assets | 1.7275% | 1,257 |
| Return on Equity (ROE) | 11.2007% | 1,928 |
| Retained earnings to average equity (ytd only) | 9.4368% | 916 |
| Net charge-offs to loans | 0.0733% | 1,774 |
| Credit loss provision to net charge-offs | 68.1818% | 2,636 |
| Earnings coverage of net charge-offs (x) | 37.7388% | 1,422 |
| Efficiency ratio | 62.6602% | 3,221 |
| Assets per employee ($millions) | 3.7615% | 4,205 |
| Cash dividends to net income (ytd only)* | 15.7474% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8641% | 587 |
| Loan loss allowance to noncurrent loans | 291.0546% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 1,739 |
| Noncurrent loans to loans | 0.6405% | 2,369 |
| Net loans and leases to total assets | 63.6205% | 3,324 |
| Net loans and leases to deposits | 73.0069% | 3,553 |
| Net loans and leases to core deposits | 76.6908% | 3,649 |
| Total domestic deposits to total assets | 87.1432% | 1,452 |
| Equity capital to assets | 12.2668% | 2,064 |
| Core capital (leverage) ratio | 12.0754% | 1,800 |
| Tier 1 risk-based capital ratio | 17.6806% | 1,904 |
| Total risk-based capital ratio | 18.9372% | 1,865 |
| Memoranda: | ||
| Average total assets | $247,283,500 | 2,496 |
| Average earning assets | $230,913,500 | 2,487 |
| Average equity | $29,783,250 | 2,421 |
| Average total loans | $159,987,000 | 2,535 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4192% | 654 |
| Cost of funding earning assets | 0.9035% | 2,123 |
| Net interest margin | 4.5157% | 745 |
| Noninterest income to average assets | 0.6701% | 1,835 |
| Noninterest expense to average assets | 3.0345% | 1,903 |
| Loan and lease loss provision to assets | 0.0491% | 2,839 |
| Net operating income to assets | 1.4223% | 1,370 |
| Return on assets (ROA) | 1.3990% | 1,497 |
| Pretax return on assets | 1.7689% | 1,122 |
| Return on Equity (ROE) | 11.6914% | 1,695 |
| Retained earnings to average equity (ytd only) | 11.6914% | 443 |
| Net charge-offs to loans | 0.0494% | 1,942 |
| Credit loss provision to net charge-offs | 153.8462% | 1,458 |
| Earnings coverage of net charge-offs (x) | 57.8974% | 1,001 |
| Efficiency ratio | 62.1585% | 3,409 |
| Assets per employee ($millions) | 3.6409% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 510 |
| Loan loss allowance to noncurrent loans | 223.9658% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 1.0752% | 1,268 |
| Noncurrent loans to loans | 0.8733% | 1,854 |
| Net loans and leases to total assets | 63.5761% | 3,389 |
| Net loans and leases to deposits | 72.9853% | 3,600 |
| Net loans and leases to core deposits | 75.8280% | 3,747 |
| Total domestic deposits to total assets | 87.1081% | 1,547 |
| Equity capital to assets | 12.4201% | 1,902 |
| Core capital (leverage) ratio | 12.2473% | 1,677 |
| Tier 1 risk-based capital ratio | 17.8287% | 1,847 |
| Total risk-based capital ratio | 19.0865% | 1,799 |
| Memoranda: | ||
| Average total assets | $244,451,670 | 2,529 |
| Average earning assets | $228,003,330 | 2,516 |
| Average equity | $29,252,330 | 2,441 |
| Average total loans | $158,043,000 | 2,569 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 662 |
| Cost of funding earning assets | 0.8443% | 2,301 |
| Net interest margin | 4.5325% | 696 |
| Noninterest income to average assets | 0.6093% | 2,005 |
| Noninterest expense to average assets | 2.9660% | 2,087 |
| Loan and lease loss provision to assets | 0.0494% | 2,671 |
| Net operating income to assets | 1.4253% | 1,306 |
| Return on assets (ROA) | 1.3850% | 1,453 |
| Pretax return on assets | 1.7687% | 1,058 |
| Return on Equity (ROE) | 11.8021% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.8021% | 649 |
| Net charge-offs to loans | -0.0969% | 5,019 |
| Credit loss provision to net charge-offs | -78.9474% | 3,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3420% | 3,633 |
| Assets per employee ($millions) | 3.6329% | 4,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 490 |
| Loan loss allowance to noncurrent loans | 200.6927% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 1,148 |
| Noncurrent loans to loans | 1.0006% | 1,670 |
| Net loans and leases to total assets | 62.9522% | 3,408 |
| Net loans and leases to deposits | 71.7667% | 3,618 |
| Net loans and leases to core deposits | 74.8801% | 3,742 |
| Total domestic deposits to total assets | 87.7178% | 1,469 |
| Equity capital to assets | 11.8523% | 2,114 |
| Core capital (leverage) ratio | 12.2090% | 1,656 |
| Tier 1 risk-based capital ratio | 17.2699% | 2,027 |
| Total risk-based capital ratio | 18.5278% | 1,962 |
| Memoranda: | ||
| Average total assets | $242,886,500 | 2,565 |
| Average earning assets | $226,453,000 | 2,543 |
| Average equity | $28,503,500 | 2,485 |
| Average total loans | $156,793,000 | 2,612 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 689 |
| Cost of funding earning assets | 0.6353% | 2,490 |
| Net interest margin | 4.5748% | 642 |
| Noninterest income to average assets | 0.6713% | 1,957 |
| Noninterest expense to average assets | 3.1115% | 1,770 |
| Loan and lease loss provision to assets | 0.0925% | 2,301 |
| Net operating income to assets | 1.3544% | 1,598 |
| Return on assets (ROA) | 1.3259% | 1,687 |
| Pretax return on assets | 1.7112% | 1,139 |
| Return on Equity (ROE) | 11.6488% | 1,845 |
| Retained earnings to average equity (ytd only) | 6.8333% | 1,741 |
| Net charge-offs to loans | 0.1118% | 1,633 |
| Credit loss provision to net charge-offs | 127.1676% | 2,072 |
| Earnings coverage of net charge-offs (x) | 25.2832% | 1,778 |
| Efficiency ratio | 62.8409% | 3,373 |
| Assets per employee ($millions) | 3.5632% | 4,484 |
| Cash dividends to net income (ytd only)* | 41.3388% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 459 |
| Loan loss allowance to noncurrent loans | 165.3765% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 1.5163% | 774 |
| Noncurrent loans to loans | 1.2177% | 1,311 |
| Net loans and leases to total assets | 63.5702% | 3,398 |
| Net loans and leases to deposits | 72.1959% | 3,654 |
| Net loans and leases to core deposits | 75.2114% | 3,771 |
| Total domestic deposits to total assets | 88.0523% | 1,276 |
| Equity capital to assets | 11.6142% | 2,166 |
| Core capital (leverage) ratio | 11.9799% | 1,744 |
| Tier 1 risk-based capital ratio | 17.1138% | 2,028 |
| Total risk-based capital ratio | 18.3721% | 1,969 |
| Memoranda: | ||
| Average total assets | $237,733,400 | 2,560 |
| Average earning assets | $222,413,200 | 2,543 |
| Average equity | $27,058,600 | 2,510 |
| Average total loans | $154,719,400 | 2,589 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1270% | 718 |
| Cost of funding earning assets | 0.6021% | 2,462 |
| Net interest margin | 4.5249% | 702 |
| Noninterest income to average assets | 0.6490% | 2,077 |
| Noninterest expense to average assets | 3.0182% | 1,962 |
| Loan and lease loss provision to assets | 0.0337% | 3,344 |
| Net operating income to assets | 1.4319% | 1,385 |
| Return on assets (ROA) | 1.4053% | 1,463 |
| Pretax return on assets | 1.8039% | 1,006 |
| Return on Equity (ROE) | 12.4101% | 1,631 |
| Retained earnings to average equity (ytd only) | 12.4101% | 428 |
| Net charge-offs to loans | 0.0215% | 2,707 |
| Credit loss provision to net charge-offs | 240.0000% | 1,212 |
| Earnings coverage of net charge-offs (x) | 133.3300% | 608 |
| Efficiency ratio | 61.7292% | 3,550 |
| Assets per employee ($millions) | 3.5452% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 480 |
| Loan loss allowance to noncurrent loans | 87.3243% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 610 |
| Noncurrent loans to loans | 2.2947% | 602 |
| Net loans and leases to total assets | 63.9696% | 3,431 |
| Net loans and leases to deposits | 72.7863% | 3,700 |
| Net loans and leases to core deposits | 75.9972% | 3,805 |
| Total domestic deposits to total assets | 87.8869% | 1,287 |
| Equity capital to assets | 11.6846% | 2,117 |
| Core capital (leverage) ratio | 12.2942% | 1,621 |
| Tier 1 risk-based capital ratio | 17.7209% | 1,865 |
| Total risk-based capital ratio | 18.9794% | 1,819 |
| Memoranda: | ||
| Average total assets | $237,483,500 | 2,573 |
| Average earning assets | $222,553,750 | 2,554 |
| Average equity | $26,891,500 | 2,528 |
| Average total loans | $154,678,750 | 2,601 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 660 |
| Cost of funding earning assets | 0.5887% | 2,305 |
| Net interest margin | 4.5128% | 681 |
| Noninterest income to average assets | 0.6763% | 1,968 |
| Noninterest expense to average assets | 3.0320% | 1,964 |
| Loan and lease loss provision to assets | 0.0505% | 2,907 |
| Net operating income to assets | 1.4296% | 1,342 |
| Return on assets (ROA) | 1.4217% | 1,364 |
| Pretax return on assets | 1.8124% | 933 |
| Return on Equity (ROE) | 12.6898% | 1,480 |
| Retained earnings to average equity (ytd only) | 12.6898% | 428 |
| Net charge-offs to loans | -0.0207% | 4,585 |
| Credit loss provision to net charge-offs | -375.0000% | 4,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8132% | 3,647 |
| Assets per employee ($millions) | 3.4354% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9920% | 527 |
| Loan loss allowance to noncurrent loans | 106.8205% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.7545% | 682 |
| Noncurrent loans to loans | 1.8648% | 825 |
| Net loans and leases to total assets | 65.3409% | 3,235 |
| Net loans and leases to deposits | 74.1048% | 3,520 |
| Net loans and leases to core deposits | 77.1470% | 3,651 |
| Total domestic deposits to total assets | 88.1736% | 1,288 |
| Equity capital to assets | 11.4459% | 2,235 |
| Core capital (leverage) ratio | 11.9166% | 1,768 |
| Tier 1 risk-based capital ratio | 16.9964% | 2,099 |
| Total risk-based capital ratio | 18.2545% | 2,044 |
| Memoranda: | ||
| Average total assets | $237,469,000 | 2,582 |
| Average earning assets | $222,521,330 | 2,568 |
| Average equity | $26,604,000 | 2,557 |
| Average total loans | $154,554,330 | 2,612 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 579 |
| Cost of funding earning assets | 0.5695% | 2,256 |
| Net interest margin | 4.5359% | 574 |
| Noninterest income to average assets | 0.6395% | 2,076 |
| Noninterest expense to average assets | 2.9721% | 2,136 |
| Loan and lease loss provision to assets | 0.0505% | 2,766 |
| Net operating income to assets | 1.4702% | 1,148 |
| Return on assets (ROA) | 1.4675% | 1,155 |
| Pretax return on assets | 1.8630% | 793 |
| Return on Equity (ROE) | 13.2422% | 1,199 |
| Retained earnings to average equity (ytd only) | 13.2422% | 490 |
| Net charge-offs to loans | -0.0340% | 4,797 |
| Credit loss provision to net charge-offs | -230.7692% | 3,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7917% | 3,968 |
| Assets per employee ($millions) | 3.5940% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0380% | 498 |
| Loan loss allowance to noncurrent loans | 201.4877% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 1,255 |
| Noncurrent loans to loans | 1.0115% | 1,802 |
| Net loans and leases to total assets | 62.1813% | 3,527 |
| Net loans and leases to deposits | 70.1581% | 3,777 |
| Net loans and leases to core deposits | 72.5971% | 3,913 |
| Total domestic deposits to total assets | 88.6302% | 1,295 |
| Equity capital to assets | 10.9877% | 2,596 |
| Core capital (leverage) ratio | 11.5922% | 1,941 |
| Tier 1 risk-based capital ratio | 16.7726% | 2,190 |
| Total risk-based capital ratio | 18.0311% | 2,132 |
| Memoranda: | ||
| Average total assets | $237,680,500 | 2,605 |
| Average earning assets | $222,669,000 | 2,590 |
| Average equity | $26,340,000 | 2,587 |
| Average total loans | $152,813,500 | 2,653 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 733 |
| Cost of funding earning assets | 0.5288% | 2,104 |
| Net interest margin | 4.4089% | 745 |
| Noninterest income to average assets | 0.6146% | 2,382 |
| Noninterest expense to average assets | 2.8978% | 2,461 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1358% | 1,727 |
| Return on assets (ROA) | 1.1248% | 1,802 |
| Pretax return on assets | 1.8201% | 754 |
| Return on Equity (ROE) | 9.9375% | 1,912 |
| Retained earnings to average equity (ytd only) | 4.7056% | 2,319 |
| Net charge-offs to loans | 0.0643% | 2,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 45.2872% | 1,171 |
| Efficiency ratio | 61.1977% | 4,079 |
| Assets per employee ($millions) | 3.3037% | 4,931 |
| Cash dividends to net income (ytd only)* | 52.6477% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 529 |
| Loan loss allowance to noncurrent loans | 239.2523% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0509% | 1,452 |
| Noncurrent loans to loans | 0.8404% | 2,118 |
| Net loans and leases to total assets | 63.8245% | 3,385 |
| Net loans and leases to deposits | 72.1126% | 3,690 |
| Net loans and leases to core deposits | 74.8898% | 3,819 |
| Total domestic deposits to total assets | 88.5068% | 1,250 |
| Equity capital to assets | 11.1790% | 2,451 |
| Core capital (leverage) ratio | 11.3323% | 2,075 |
| Tier 1 risk-based capital ratio | 16.5142% | 2,257 |
| Total risk-based capital ratio | 17.7725% | 2,196 |
| Memoranda: | ||
| Average total assets | $231,690,600 | 2,628 |
| Average earning assets | $216,538,200 | 2,612 |
| Average equity | $26,224,000 | 2,594 |
| Average total loans | $146,250,800 | 2,692 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8990% | 764 |
| Cost of funding earning assets | 0.5186% | 2,119 |
| Net interest margin | 4.3804% | 759 |
| Noninterest income to average assets | 0.6015% | 2,479 |
| Noninterest expense to average assets | 2.8713% | 2,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2789% | 1,406 |
| Return on assets (ROA) | 1.2619% | 1,493 |
| Pretax return on assets | 1.7970% | 900 |
| Return on Equity (ROE) | 11.1140% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.1140% | 403 |
| Net charge-offs to loans | 0.0101% | 3,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 286.7457% | 316 |
| Efficiency ratio | 61.1883% | 4,014 |
| Assets per employee ($millions) | 3.5745% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1030% | 479 |
| Loan loss allowance to noncurrent loans | 240.1065% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 1,497 |
| Noncurrent loans to loans | 0.8759% | 2,185 |
| Net loans and leases to total assets | 63.2118% | 3,528 |
| Net loans and leases to deposits | 72.0862% | 3,764 |
| Net loans and leases to core deposits | 74.7833% | 3,907 |
| Total domestic deposits to total assets | 87.6892% | 1,518 |
| Equity capital to assets | 11.8477% | 2,078 |
| Core capital (leverage) ratio | 11.6680% | 1,906 |
| Tier 1 risk-based capital ratio | 16.9431% | 2,171 |
| Total risk-based capital ratio | 18.2021% | 2,126 |
| Memoranda: | ||
| Average total assets | $230,972,000 | 2,655 |
| Average earning assets | $215,711,250 | 2,636 |
| Average equity | $26,224,500 | 2,617 |
| Average total loans | $144,618,000 | 2,731 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 822 |
| Cost of funding earning assets | 0.5073% | 2,115 |
| Net interest margin | 4.3165% | 823 |
| Noninterest income to average assets | 0.5735% | 2,587 |
| Noninterest expense to average assets | 2.8562% | 2,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2443% | 1,457 |
| Return on assets (ROA) | 1.2320% | 1,526 |
| Pretax return on assets | 1.7309% | 986 |
| Return on Equity (ROE) | 11.0119% | 1,642 |
| Retained earnings to average equity (ytd only) | 11.0119% | 439 |
| Net charge-offs to loans | 0.0126% | 3,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 223.8889% | 377 |
| Efficiency ratio | 62.0313% | 3,984 |
| Assets per employee ($millions) | 3.7214% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1804% | 449 |
| Loan loss allowance to noncurrent loans | 343.1522% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.9038% | 1,961 |
| Noncurrent loans to loans | 0.6354% | 2,823 |
| Net loans and leases to total assets | 60.4114% | 3,808 |
| Net loans and leases to deposits | 68.4834% | 4,024 |
| Net loans and leases to core deposits | 71.0034% | 4,159 |
| Total domestic deposits to total assets | 88.2132% | 1,352 |
| Equity capital to assets | 11.4498% | 2,366 |
| Core capital (leverage) ratio | 11.3945% | 2,054 |
| Tier 1 risk-based capital ratio | 16.8972% | 2,179 |
| Total risk-based capital ratio | 18.1566% | 2,139 |
| Memoranda: | ||
| Average total assets | $230,515,670 | 2,675 |
| Average earning assets | $215,269,000 | 2,652 |
| Average equity | $25,790,330 | 2,647 |
| Average total loans | $142,816,670 | 2,761 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7482% | 850 |
| Cost of funding earning assets | 0.4998% | 2,085 |
| Net interest margin | 4.2484% | 887 |
| Noninterest income to average assets | 0.5251% | 2,797 |
| Noninterest expense to average assets | 2.8388% | 2,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1816% | 1,546 |
| Return on assets (ROA) | 1.2496% | 1,411 |
| Pretax return on assets | 1.7379% | 922 |
| Return on Equity (ROE) | 11.3048% | 1,462 |
| Retained earnings to average equity (ytd only) | 11.3048% | 560 |
| Net charge-offs to loans | -0.0479% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3346% | 3,936 |
| Assets per employee ($millions) | 3.5946% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 464 |
| Loan loss allowance to noncurrent loans | 395.4037% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.9245% | 2,001 |
| Noncurrent loans to loans | 0.5607% | 3,124 |
| Net loans and leases to total assets | 60.0835% | 3,778 |
| Net loans and leases to deposits | 67.7789% | 4,011 |
| Net loans and leases to core deposits | 70.0842% | 4,145 |
| Total domestic deposits to total assets | 88.6463% | 1,349 |
| Equity capital to assets | 10.9822% | 2,643 |
| Core capital (leverage) ratio | 11.3241% | 2,085 |
| Tier 1 risk-based capital ratio | 16.4490% | 2,381 |
| Total risk-based capital ratio | 17.7088% | 2,320 |
| Memoranda: | ||
| Average total assets | $228,549,000 | 2,719 |
| Average earning assets | $212,882,500 | 2,698 |
| Average equity | $25,263,500 | 2,693 |
| Average total loans | $141,829,500 | 2,791 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 776 |
| Cost of funding earning assets | 0.4482% | 2,555 |
| Net interest margin | 4.4261% | 730 |
| Noninterest income to average assets | 0.6983% | 2,184 |
| Noninterest expense to average assets | 3.0147% | 2,309 |
| Loan and lease loss provision to assets | 0.1325% | 1,882 |
| Net operating income to assets | 1.2030% | 1,506 |
| Return on assets (ROA) | 1.2540% | 1,428 |
| Pretax return on assets | 1.7329% | 925 |
| Return on Equity (ROE) | 10.8876% | 1,624 |
| Retained earnings to average equity (ytd only) | 5.8128% | 1,816 |
| Net charge-offs to loans | 0.2684% | 1,030 |
| Credit loss provision to net charge-offs | 78.3784% | 2,997 |
| Earnings coverage of net charge-offs (x) | 10.6135% | 2,625 |
| Efficiency ratio | 62.5808% | 4,164 |
| Assets per employee ($millions) | 3.4914% | 4,773 |
| Cash dividends to net income (ytd only)* | 46.6108% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2600% | 430 |
| Loan loss allowance to noncurrent loans | 351.3873% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 1.2840% | 1,381 |
| Noncurrent loans to loans | 0.6432% | 2,922 |
| Net loans and leases to total assets | 61.2782% | 3,691 |
| Net loans and leases to deposits | 69.1865% | 3,988 |
| Net loans and leases to core deposits | 71.5039% | 4,110 |
| Total domestic deposits to total assets | 88.5696% | 1,341 |
| Equity capital to assets | 11.1288% | 2,502 |
| Core capital (leverage) ratio | 11.1501% | 2,207 |
| Tier 1 risk-based capital ratio | 16.2952% | 2,431 |
| Total risk-based capital ratio | 17.5555% | 2,362 |
| Memoranda: | ||
| Average total assets | $218,824,600 | 2,770 |
| Average earning assets | $203,247,000 | 2,759 |
| Average equity | $25,203,000 | 2,698 |
| Average total loans | $137,876,200 | 2,804 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8794% | 755 |
| Cost of funding earning assets | 0.4333% | 2,701 |
| Net interest margin | 4.4462% | 705 |
| Noninterest income to average assets | 0.7148% | 2,107 |
| Noninterest expense to average assets | 3.0076% | 2,301 |
| Loan and lease loss provision to assets | 0.0613% | 3,013 |
| Net operating income to assets | 1.2743% | 1,367 |
| Return on assets (ROA) | 1.3396% | 1,268 |
| Pretax return on assets | 1.8664% | 767 |
| Return on Equity (ROE) | 11.5313% | 1,481 |
| Retained earnings to average equity (ytd only) | 9.8441% | 602 |
| Net charge-offs to loans | 0.0854% | 2,110 |
| Credit loss provision to net charge-offs | 113.6364% | 2,180 |
| Earnings coverage of net charge-offs (x) | 34.0797% | 1,373 |
| Efficiency ratio | 61.9421% | 4,242 |
| Assets per employee ($millions) | 3.6970% | 4,483 |
| Cash dividends to net income (ytd only)* | 14.6320% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3074% | 434 |
| Loan loss allowance to noncurrent loans | 167.8516% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5892% | 1,097 |
| Noncurrent loans to loans | 1.3747% | 1,604 |
| Net loans and leases to total assets | 61.1651% | 3,720 |
| Net loans and leases to deposits | 69.5022% | 4,025 |
| Net loans and leases to core deposits | 72.7147% | 4,102 |
| Total domestic deposits to total assets | 88.0046% | 1,405 |
| Equity capital to assets | 11.6584% | 2,394 |
| Core capital (leverage) ratio | 11.4298% | 2,092 |
| Tier 1 risk-based capital ratio | 16.4897% | 2,420 |
| Total risk-based capital ratio | 17.7506% | 2,369 |
| Memoranda: | ||
| Average total assets | $217,668,750 | 2,788 |
| Average earning assets | $202,177,000 | 2,779 |
| Average equity | $25,287,000 | 2,709 |
| Average total loans | $137,322,500 | 2,821 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8950% | 732 |
| Cost of funding earning assets | 0.4213% | 2,824 |
| Net interest margin | 4.4737% | 651 |
| Noninterest income to average assets | 0.6026% | 2,606 |
| Noninterest expense to average assets | 2.9918% | 2,377 |
| Loan and lease loss provision to assets | 0.0372% | 3,414 |
| Net operating income to assets | 1.2417% | 1,457 |
| Return on assets (ROA) | 1.3188% | 1,317 |
| Pretax return on assets | 1.8284% | 825 |
| Return on Equity (ROE) | 11.3658% | 1,524 |
| Retained earnings to average equity (ytd only) | 8.8009% | 903 |
| Net charge-offs to loans | 0.1485% | 1,438 |
| Credit loss provision to net charge-offs | 39.6040% | 2,771 |
| Earnings coverage of net charge-offs (x) | 18.7228% | 1,810 |
| Efficiency ratio | 62.7643% | 4,213 |
| Assets per employee ($millions) | 3.5257% | 4,710 |
| Cash dividends to net income (ytd only)* | 22.5670% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2707% | 495 |
| Loan loss allowance to noncurrent loans | 208.9895% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 1,154 |
| Noncurrent loans to loans | 1.0865% | 2,114 |
| Net loans and leases to total assets | 62.7107% | 3,543 |
| Net loans and leases to deposits | 71.2693% | 3,861 |
| Net loans and leases to core deposits | 74.6676% | 3,935 |
| Total domestic deposits to total assets | 87.9913% | 1,440 |
| Equity capital to assets | 11.6986% | 2,358 |
| Core capital (leverage) ratio | 11.2647% | 2,181 |
| Tier 1 risk-based capital ratio | 16.2666% | 2,521 |
| Total risk-based capital ratio | 17.5276% | 2,460 |
| Memoranda: | ||
| Average total assets | $215,052,000 | 2,828 |
| Average earning assets | $199,387,000 | 2,822 |
| Average equity | $24,952,000 | 2,748 |
| Average total loans | $136,031,000 | 2,845 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9051% | 685 |
| Cost of funding earning assets | 0.4029% | 3,036 |
| Net interest margin | 4.5023% | 605 |
| Noninterest income to average assets | 0.5664% | 2,704 |
| Noninterest expense to average assets | 2.9688% | 2,488 |
| Loan and lease loss provision to assets | 0.0750% | 2,461 |
| Net operating income to assets | 1.1943% | 1,577 |
| Return on assets (ROA) | 1.2716% | 1,429 |
| Pretax return on assets | 1.8023% | 844 |
| Return on Equity (ROE) | 11.0056% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.0056% | 653 |
| Net charge-offs to loans | -0.0418% | 5,240 |
| Credit loss provision to net charge-offs | -285.7143% | 4,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2328% | 4,419 |
| Assets per employee ($millions) | 3.5755% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4359% | 421 |
| Loan loss allowance to noncurrent loans | 200.4860% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 1.7629% | 1,065 |
| Noncurrent loans to loans | 1.2150% | 1,993 |
| Net loans and leases to total assets | 61.6093% | 3,582 |
| Net loans and leases to deposits | 70.0529% | 3,853 |
| Net loans and leases to core deposits | 73.3371% | 3,953 |
| Total domestic deposits to total assets | 87.9467% | 1,669 |
| Equity capital to assets | 11.7097% | 2,232 |
| Core capital (leverage) ratio | 11.4865% | 1,982 |
| Tier 1 risk-based capital ratio | 16.4590% | 2,492 |
| Total risk-based capital ratio | 17.7216% | 2,443 |
| Memoranda: | ||
| Average total assets | $213,282,500 | 2,851 |
| Average earning assets | $197,588,500 | 2,847 |
| Average equity | $24,642,000 | 2,776 |
| Average total loans | $133,914,000 | 2,877 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 690 |
| Cost of funding earning assets | 0.3838% | 3,333 |
| Net interest margin | 4.5646% | 588 |
| Noninterest income to average assets | 0.5901% | 2,773 |
| Noninterest expense to average assets | 2.7846% | 3,303 |
| Loan and lease loss provision to assets | 0.3252% | 499 |
| Net operating income to assets | 1.2270% | 1,461 |
| Return on assets (ROA) | 1.2163% | 1,558 |
| Pretax return on assets | 1.6847% | 1,038 |
| Return on Equity (ROE) | 10.8349% | 1,670 |
| Retained earnings to average equity (ytd only) | 5.7013% | 1,957 |
| Net charge-offs to loans | 0.5839% | 416 |
| Credit loss provision to net charge-offs | 92.0592% | 2,722 |
| Earnings coverage of net charge-offs (x) | 5.7308% | 3,334 |
| Efficiency ratio | 57.4254% | 5,205 |
| Assets per employee ($millions) | 3.3656% | 5,042 |
| Cash dividends to net income (ytd only)* | 47.3808% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4525% | 425 |
| Loan loss allowance to noncurrent loans | 295.0909% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 1.5686% | 1,265 |
| Noncurrent loans to loans | 0.8311% | 2,711 |
| Net loans and leases to total assets | 60.8916% | 3,713 |
| Net loans and leases to deposits | 68.9040% | 4,036 |
| Net loans and leases to core deposits | 72.2004% | 4,114 |
| Total domestic deposits to total assets | 88.3717% | 1,437 |
| Equity capital to assets | 11.3958% | 2,451 |
| Core capital (leverage) ratio | 11.1301% | 2,280 |
| Tier 1 risk-based capital ratio | 16.5960% | 2,427 |
| Total risk-based capital ratio | 17.8587% | 2,383 |
| Memoranda: | ||
| Average total assets | $210,303,200 | 2,845 |
| Average earning assets | $194,388,000 | 2,836 |
| Average equity | $23,608,800 | 2,822 |
| Average total loans | $127,249,400 | 2,928 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9234% | 730 |
| Cost of funding earning assets | 0.3845% | 3,387 |
| Net interest margin | 4.5389% | 602 |
| Noninterest income to average assets | 0.6080% | 2,697 |
| Noninterest expense to average assets | 2.7064% | 3,540 |
| Loan and lease loss provision to assets | 0.3119% | 456 |
| Net operating income to assets | 1.3102% | 1,310 |
| Return on assets (ROA) | 1.2998% | 1,397 |
| Pretax return on assets | 1.7680% | 956 |
| Return on Equity (ROE) | 11.6229% | 1,491 |
| Retained earnings to average equity (ytd only) | 8.1804% | 1,178 |
| Net charge-offs to loans | 0.7504% | 276 |
| Credit loss provision to net charge-offs | 69.2525% | 2,782 |
| Earnings coverage of net charge-offs (x) | 4.6488% | 3,322 |
| Efficiency ratio | 55.9026% | 5,366 |
| Assets per employee ($millions) | 3.4968% | 4,792 |
| Cash dividends to net income (ytd only)* | 29.6188% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4038% | 500 |
| Loan loss allowance to noncurrent loans | 182.6627% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 2.0181% | 1,009 |
| Noncurrent loans to loans | 1.3160% | 1,940 |
| Net loans and leases to total assets | 59.7383% | 3,913 |
| Net loans and leases to deposits | 67.8141% | 4,207 |
| Net loans and leases to core deposits | 71.2004% | 4,257 |
| Total domestic deposits to total assets | 88.0913% | 1,507 |
| Equity capital to assets | 11.5369% | 2,476 |
| Core capital (leverage) ratio | 11.2121% | 2,281 |
| Tier 1 risk-based capital ratio | 16.7663% | 2,452 |
| Total risk-based capital ratio | 18.0278% | 2,409 |
| Memoranda: | ||
| Average total assets | $209,870,500 | 2,867 |
| Average earning assets | $193,844,250 | 2,875 |
| Average equity | $23,470,250 | 2,861 |
| Average total loans | $125,972,500 | 2,976 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9412% | 667 |
| Cost of funding earning assets | 0.3847% | 3,427 |
| Net interest margin | 4.5565% | 567 |
| Noninterest income to average assets | 0.6175% | 2,639 |
| Noninterest expense to average assets | 2.6242% | 3,837 |
| Loan and lease loss provision to assets | 0.2106% | 921 |
| Net operating income to assets | 1.4146% | 1,060 |
| Return on assets (ROA) | 1.3998% | 1,125 |
| Pretax return on assets | 1.9715% | 630 |
| Return on Equity (ROE) | 12.6500% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.4315% | 1,504 |
| Net charge-offs to loans | 0.2093% | 1,206 |
| Credit loss provision to net charge-offs | 168.7023% | 1,417 |
| Earnings coverage of net charge-offs (x) | 17.6489% | 1,843 |
| Efficiency ratio | 53.8887% | 5,598 |
| Assets per employee ($millions) | 3.4893% | 4,819 |
| Cash dividends to net income (ytd only)* | 41.2526% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6761% | 386 |
| Loan loss allowance to noncurrent loans | 177.9350% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 2.0969% | 1,028 |
| Noncurrent loans to loans | 1.5040% | 1,769 |
| Net loans and leases to total assets | 58.9748% | 3,980 |
| Net loans and leases to deposits | 66.6226% | 4,277 |
| Net loans and leases to core deposits | 69.8904% | 4,334 |
| Total domestic deposits to total assets | 88.5207% | 1,404 |
| Equity capital to assets | 11.1440% | 2,726 |
| Core capital (leverage) ratio | 10.9832% | 2,440 |
| Tier 1 risk-based capital ratio | 16.4343% | 2,642 |
| Total risk-based capital ratio | 17.6987% | 2,593 |
| Memoranda: | ||
| Average total assets | $209,892,330 | 2,888 |
| Average earning assets | $193,921,670 | 2,889 |
| Average equity | $23,225,330 | 2,895 |
| Average total loans | $125,156,330 | 2,996 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9226% | 665 |
| Cost of funding earning assets | 0.3833% | 3,489 |
| Net interest margin | 4.5393% | 563 |
| Noninterest income to average assets | 0.6471% | 2,414 |
| Noninterest expense to average assets | 2.5695% | 4,032 |
| Loan and lease loss provision to assets | 0.3064% | 465 |
| Net operating income to assets | 1.3913% | 1,045 |
| Return on assets (ROA) | 1.3913% | 1,097 |
| Pretax return on assets | 1.9642% | 624 |
| Return on Equity (ROE) | 12.6184% | 1,186 |
| Retained earnings to average equity (ytd only) | 12.6184% | 489 |
| Net charge-offs to loans | 0.4087% | 594 |
| Credit loss provision to net charge-offs | 126.7717% | 1,394 |
| Earnings coverage of net charge-offs (x) | 9.3937% | 2,014 |
| Efficiency ratio | 52.6150% | 5,774 |
| Assets per employee ($millions) | 3.6234% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6814% | 415 |
| Loan loss allowance to noncurrent loans | 162.7193% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3697% | 923 |
| Noncurrent loans to loans | 1.6479% | 1,689 |
| Net loans and leases to total assets | 57.6636% | 4,001 |
| Net loans and leases to deposits | 65.2492% | 4,239 |
| Net loans and leases to core deposits | 68.4134% | 4,295 |
| Total domestic deposits to total assets | 88.3744% | 1,610 |
| Equity capital to assets | 11.2816% | 2,670 |
| Core capital (leverage) ratio | 10.9772% | 2,434 |
| Tier 1 risk-based capital ratio | 16.3359% | 2,763 |
| Total risk-based capital ratio | 17.6002% | 2,694 |
| Memoranda: | ||
| Average total assets | $210,159,000 | 2,908 |
| Average earning assets | $194,127,000 | 2,902 |
| Average equity | $23,172,500 | 2,917 |
| Average total loans | $124,302,500 | 3,006 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 968 |
| Cost of funding earning assets | 0.4197% | 3,481 |
| Net interest margin | 4.4539% | 810 |
| Noninterest income to average assets | 0.6717% | 2,443 |
| Noninterest expense to average assets | 2.6545% | 4,028 |
| Loan and lease loss provision to assets | 0.4246% | 405 |
| Net operating income to assets | 1.1471% | 1,788 |
| Return on assets (ROA) | 1.1634% | 1,780 |
| Pretax return on assets | 1.7199% | 947 |
| Return on Equity (ROE) | 10.7701% | 1,800 |
| Retained earnings to average equity (ytd only) | -0.3331% | 5,823 |
| Net charge-offs to loans | 0.0645% | 3,565 |
| Credit loss provision to net charge-offs | 1,120.2532% | 251 |
| Earnings coverage of net charge-offs (x) | 55.9494% | 842 |
| Efficiency ratio | 55.1090% | 5,756 |
| Assets per employee ($millions) | 3.6870% | 4,550 |
| Cash dividends to net income (ytd only)* | 103.0928% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6636% | 447 |
| Loan loss allowance to noncurrent loans | 136.2887% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.4462% | 948 |
| Noncurrent loans to loans | 1.9544% | 1,437 |
| Net loans and leases to total assets | 57.4688% | 4,118 |
| Net loans and leases to deposits | 64.5573% | 4,471 |
| Net loans and leases to core deposits | 67.5505% | 4,551 |
| Total domestic deposits to total assets | 89.0198% | 1,224 |
| Equity capital to assets | 10.7708% | 3,155 |
| Core capital (leverage) ratio | 10.5155% | 2,925 |
| Tier 1 risk-based capital ratio | 16.2260% | 2,849 |
| Total risk-based capital ratio | 17.4905% | 2,784 |
| Memoranda: | ||
| Average total assets | $208,437,200 | 2,891 |
| Average earning assets | $192,034,600 | 2,887 |
| Average equity | $22,516,000 | 2,898 |
| Average total loans | $122,486,200 | 2,990 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 961 |
| Cost of funding earning assets | 0.4281% | 3,483 |
| Net interest margin | 4.4561% | 810 |
| Noninterest income to average assets | 0.6923% | 2,368 |
| Noninterest expense to average assets | 2.6358% | 4,072 |
| Loan and lease loss provision to assets | 0.3525% | 498 |
| Net operating income to assets | 1.2323% | 1,572 |
| Return on assets (ROA) | 1.2493% | 1,582 |
| Pretax return on assets | 1.8326% | 827 |
| Return on Equity (ROE) | 11.5565% | 1,603 |
| Retained earnings to average equity (ytd only) | -3.2671% | 6,160 |
| Net charge-offs to loans | 0.0655% | 3,261 |
| Credit loss provision to net charge-offs | 916.6667% | 350 |
| Earnings coverage of net charge-offs (x) | 56.1653% | 905 |
| Efficiency ratio | 54.4774% | 5,776 |
| Assets per employee ($millions) | 3.6757% | 4,530 |
| Cash dividends to net income (ytd only)* | 128.2710% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4259% | 703 |
| Loan loss allowance to noncurrent loans | 90.4661% | 3,899 |
| Noncurrent assets plus other real estate owned to assets | 2.8781% | 839 |
| Noncurrent loans to loans | 2.6816% | 1,067 |
| Net loans and leases to total assets | 57.3809% | 4,152 |
| Net loans and leases to deposits | 64.4264% | 4,487 |
| Net loans and leases to core deposits | 67.7069% | 4,536 |
| Total domestic deposits to total assets | 89.0642% | 1,202 |
| Equity capital to assets | 10.4719% | 3,602 |
| Core capital (leverage) ratio | 10.3218% | 3,264 |
| Tier 1 risk-based capital ratio | 15.8630% | 3,120 |
| Total risk-based capital ratio | 17.1251% | 3,061 |
| Memoranda: | ||
| Average total assets | $208,006,250 | 2,921 |
| Average earning assets | $191,553,000 | 2,919 |
| Average equity | $22,486,000 | 2,904 |
| Average total loans | $122,087,250 | 3,016 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9401% | 837 |
| Cost of funding earning assets | 0.4381% | 3,458 |
| Net interest margin | 4.5019% | 702 |
| Noninterest income to average assets | 0.7065% | 2,252 |
| Noninterest expense to average assets | 2.6197% | 4,171 |
| Loan and lease loss provision to assets | 0.3373% | 541 |
| Net operating income to assets | 1.3193% | 1,252 |
| Return on assets (ROA) | 1.3166% | 1,308 |
| Pretax return on assets | 1.8853% | 704 |
| Return on Equity (ROE) | 12.0522% | 1,406 |
| Retained earnings to average equity (ytd only) | 12.0522% | 421 |
| Net charge-offs to loans | 0.1298% | 2,366 |
| Credit loss provision to net charge-offs | 443.0380% | 643 |
| Earnings coverage of net charge-offs (x) | 29.2405% | 1,273 |
| Efficiency ratio | 53.5800% | 5,945 |
| Assets per employee ($millions) | 3.9514% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2529% | 949 |
| Loan loss allowance to noncurrent loans | 126.5418% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 2.3283% | 1,269 |
| Noncurrent loans to loans | 1.7804% | 1,935 |
| Net loans and leases to total assets | 57.3872% | 4,067 |
| Net loans and leases to deposits | 64.9959% | 4,380 |
| Net loans and leases to core deposits | 68.4116% | 4,424 |
| Total domestic deposits to total assets | 88.2935% | 1,739 |
| Equity capital to assets | 11.3139% | 2,593 |
| Core capital (leverage) ratio | 11.3411% | 2,126 |
| Tier 1 risk-based capital ratio | 17.3700% | 2,472 |
| Total risk-based capital ratio | 18.6299% | 2,426 |
| Memoranda: | ||
| Average total assets | $207,503,670 | 2,948 |
| Average earning assets | $190,807,330 | 2,939 |
| Average equity | $22,668,000 | 2,883 |
| Average total loans | $121,713,000 | 3,031 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 1,066 |
| Cost of funding earning assets | 0.4561% | 3,364 |
| Net interest margin | 4.3346% | 933 |
| Noninterest income to average assets | 0.6856% | 2,252 |
| Noninterest expense to average assets | 2.5932% | 4,294 |
| Loan and lease loss provision to assets | 0.3099% | 611 |
| Net operating income to assets | 1.2065% | 1,472 |
| Return on assets (ROA) | 1.2065% | 1,534 |
| Pretax return on assets | 1.7585% | 863 |
| Return on Equity (ROE) | 11.2480% | 1,616 |
| Retained earnings to average equity (ytd only) | 11.2480% | 713 |
| Net charge-offs to loans | 0.2775% | 1,236 |
| Credit loss provision to net charge-offs | 190.4762% | 1,083 |
| Earnings coverage of net charge-offs (x) | 12.7143% | 1,702 |
| Efficiency ratio | 55.1309% | 5,913 |
| Assets per employee ($millions) | 4.0129% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1170% | 1,292 |
| Loan loss allowance to noncurrent loans | 78.6980% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.9544% | 975 |
| Noncurrent loans to loans | 2.6900% | 1,256 |
| Net loans and leases to total assets | 57.0558% | 3,995 |
| Net loans and leases to deposits | 64.3180% | 4,282 |
| Net loans and leases to core deposits | 67.6895% | 4,344 |
| Total domestic deposits to total assets | 88.7090% | 1,829 |
| Equity capital to assets | 10.8530% | 2,875 |
| Core capital (leverage) ratio | 11.0823% | 2,320 |
| Tier 1 risk-based capital ratio | 17.1111% | 2,637 |
| Total risk-based capital ratio | 18.3694% | 2,585 |
| Memoranda: | ||
| Average total assets | $206,544,000 | 2,975 |
| Average earning assets | $189,452,500 | 2,979 |
| Average equity | $22,155,000 | 2,929 |
| Average total loans | $121,093,500 | 3,052 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 1,428 |
| Cost of funding earning assets | 0.5686% | 2,937 |
| Net interest margin | 4.1871% | 1,393 |
| Noninterest income to average assets | 0.5663% | 3,290 |
| Noninterest expense to average assets | 2.7676% | 3,844 |
| Loan and lease loss provision to assets | 0.1307% | 2,675 |
| Net operating income to assets | 1.1000% | 1,936 |
| Return on assets (ROA) | 1.1006% | 1,999 |
| Pretax return on assets | 1.5682% | 1,251 |
| Return on Equity (ROE) | 10.4525% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.5041% | 1,683 |
| Net charge-offs to loans | 0.2298% | 2,621 |
| Credit loss provision to net charge-offs | 99.6310% | 2,490 |
| Earnings coverage of net charge-offs (x) | 12.9446% | 2,079 |
| Efficiency ratio | 61.4568% | 5,295 |
| Assets per employee ($millions) | 3.7855% | 4,296 |
| Cash dividends to net income (ytd only)* | 37.7748% | 2,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 1,389 |
| Loan loss allowance to noncurrent loans | 90.4452% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.7791% | 1,184 |
| Noncurrent loans to loans | 2.2919% | 1,689 |
| Net loans and leases to total assets | 57.7516% | 4,076 |
| Net loans and leases to deposits | 64.8905% | 4,426 |
| Net loans and leases to core deposits | 68.5850% | 4,441 |
| Total domestic deposits to total assets | 88.9985% | 1,624 |
| Equity capital to assets | 10.5975% | 3,049 |
| Core capital (leverage) ratio | 10.9004% | 2,476 |
| Tier 1 risk-based capital ratio | 16.6664% | 2,776 |
| Total risk-based capital ratio | 17.9243% | 2,730 |
| Memoranda: | ||
| Average total assets | $206,606,400 | 2,955 |
| Average earning assets | $192,398,600 | 2,922 |
| Average equity | $21,755,600 | 2,952 |
| Average total loans | $117,916,600 | 3,077 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6963% | 1,606 |
| Cost of funding earning assets | 0.5857% | 2,941 |
| Net interest margin | 4.1106% | 1,601 |
| Noninterest income to average assets | 0.5194% | 3,676 |
| Noninterest expense to average assets | 2.6350% | 4,258 |
| Loan and lease loss provision to assets | 0.1480% | 2,426 |
| Net operating income to assets | 1.0663% | 2,130 |
| Return on assets (ROA) | 1.0671% | 2,215 |
| Pretax return on assets | 1.5820% | 1,382 |
| Return on Equity (ROE) | 10.1503% | 2,125 |
| Retained earnings to average equity (ytd only) | 8.3994% | 1,251 |
| Net charge-offs to loans | 0.1421% | 3,120 |
| Credit loss provision to net charge-offs | 184.0000% | 1,314 |
| Earnings coverage of net charge-offs (x) | 21.4883% | 1,546 |
| Efficiency ratio | 59.8525% | 5,460 |
| Assets per employee ($millions) | 3.8632% | 4,106 |
| Cash dividends to net income (ytd only)* | 17.2495% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1889% | 1,348 |
| Loan loss allowance to noncurrent loans | 90.5142% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 2.7361% | 1,372 |
| Noncurrent loans to loans | 2.4183% | 1,811 |
| Net loans and leases to total assets | 56.8536% | 4,196 |
| Net loans and leases to deposits | 64.0170% | 4,522 |
| Net loans and leases to core deposits | 67.4802% | 4,571 |
| Total domestic deposits to total assets | 88.8101% | 1,668 |
| Equity capital to assets | 10.6321% | 3,125 |
| Core capital (leverage) ratio | 10.7033% | 2,786 |
| Tier 1 risk-based capital ratio | 17.0455% | 2,690 |
| Total risk-based capital ratio | 18.3049% | 2,650 |
| Memoranda: | ||
| Average total assets | $207,153,750 | 2,960 |
| Average earning assets | $193,737,750 | 2,932 |
| Average equity | $21,778,750 | 2,986 |
| Average total loans | $117,257,500 | 3,116 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 1,860 |
| Cost of funding earning assets | 0.6027% | 2,908 |
| Net interest margin | 3.9963% | 1,868 |
| Noninterest income to average assets | 0.6511% | 2,907 |
| Noninterest expense to average assets | 2.6823% | 4,096 |
| Loan and lease loss provision to assets | 0.1635% | 2,285 |
| Net operating income to assets | 1.0826% | 1,984 |
| Return on assets (ROA) | 1.0839% | 2,093 |
| Pretax return on assets | 1.5696% | 1,444 |
| Return on Equity (ROE) | 10.3480% | 2,063 |
| Retained earnings to average equity (ytd only) | 7.7220% | 1,588 |
| Net charge-offs to loans | 0.2280% | 2,365 |
| Credit loss provision to net charge-offs | 127.8195% | 1,765 |
| Earnings coverage of net charge-offs (x) | 13.5338% | 1,896 |
| Efficiency ratio | 60.2528% | 5,452 |
| Assets per employee ($millions) | 3.9581% | 3,900 |
| Cash dividends to net income (ytd only)* | 25.3771% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1616% | 1,506 |
| Loan loss allowance to noncurrent loans | 84.0902% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 2.7124% | 1,538 |
| Noncurrent loans to loans | 2.5705% | 1,789 |
| Net loans and leases to total assets | 54.7390% | 4,487 |
| Net loans and leases to deposits | 61.3121% | 4,823 |
| Net loans and leases to core deposits | 64.6569% | 4,825 |
| Total domestic deposits to total assets | 89.2793% | 1,462 |
| Equity capital to assets | 10.2354% | 3,615 |
| Core capital (leverage) ratio | 10.3445% | 3,052 |
| Tier 1 risk-based capital ratio | 17.4116% | 2,551 |
| Total risk-based capital ratio | 18.6713% | 2,517 |
| Memoranda: | ||
| Average total assets | $207,956,000 | 2,969 |
| Average earning assets | $195,781,000 | 2,919 |
| Average equity | $21,782,000 | 3,011 |
| Average total loans | $116,673,000 | 3,132 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,590 |
| Cost of funding earning assets | 0.6151% | 2,967 |
| Net interest margin | 4.0655% | 1,570 |
| Noninterest income to average assets | 0.6588% | 2,823 |
| Noninterest expense to average assets | 2.6526% | 4,234 |
| Loan and lease loss provision to assets | 0.2125% | 1,744 |
| Net operating income to assets | 1.1237% | 1,765 |
| Return on assets (ROA) | 1.1263% | 1,875 |
| Pretax return on assets | 1.6286% | 1,243 |
| Return on Equity (ROE) | 10.6304% | 1,827 |
| Retained earnings to average equity (ytd only) | 10.6304% | 956 |
| Net charge-offs to loans | 0.4092% | 1,429 |
| Credit loss provision to net charge-offs | 92.4370% | 1,979 |
| Earnings coverage of net charge-offs (x) | 7.9916% | 1,995 |
| Efficiency ratio | 58.5628% | 5,775 |
| Assets per employee ($millions) | 3.9367% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,618 |
| Loan loss allowance to noncurrent loans | 109.8325% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 2.3787% | 1,954 |
| Noncurrent loans to loans | 1.9885% | 2,630 |
| Net loans and leases to total assets | 53.4710% | 4,489 |
| Net loans and leases to deposits | 60.1613% | 4,774 |
| Net loans and leases to core deposits | 63.5868% | 4,783 |
| Total domestic deposits to total assets | 88.8793% | 1,749 |
| Equity capital to assets | 10.6400% | 3,389 |
| Core capital (leverage) ratio | 10.3867% | 2,919 |
| Tier 1 risk-based capital ratio | 17.5963% | 2,521 |
| Total risk-based capital ratio | 18.8565% | 2,486 |
| Memoranda: | ||
| Average total assets | $207,043,500 | 3,014 |
| Average earning assets | $195,103,000 | 2,956 |
| Average equity | $21,937,000 | 3,032 |
| Average total loans | $116,325,000 | 3,153 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 1,412 |
| Cost of funding earning assets | 0.6855% | 3,608 |
| Net interest margin | 4.3712% | 1,227 |
| Noninterest income to average assets | 0.7572% | 2,459 |
| Noninterest expense to average assets | 2.7622% | 4,176 |
| Loan and lease loss provision to assets | 0.4901% | 1,231 |
| Net operating income to assets | 1.1128% | 1,897 |
| Return on assets (ROA) | 1.1463% | 1,955 |
| Pretax return on assets | 1.6549% | 1,251 |
| Return on Equity (ROE) | 10.3616% | 2,019 |
| Retained earnings to average equity (ytd only) | 0.8002% | 5,462 |
| Net charge-offs to loans | 0.4136% | 2,592 |
| Credit loss provision to net charge-offs | 200.0000% | 1,294 |
| Earnings coverage of net charge-offs (x) | 8.5551% | 2,391 |
| Efficiency ratio | 56.3562% | 6,023 |
| Assets per employee ($millions) | 3.7353% | 4,494 |
| Cash dividends to net income (ytd only)* | 92.2775% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 1,749 |
| Loan loss allowance to noncurrent loans | 135.5748% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 2,406 |
| Noncurrent loans to loans | 1.5549% | 3,288 |
| Net loans and leases to total assets | 56.5097% | 4,204 |
| Net loans and leases to deposits | 63.7112% | 4,569 |
| Net loans and leases to core deposits | 67.0126% | 4,644 |
| Total domestic deposits to total assets | 88.6965% | 1,769 |
| Equity capital to assets | 10.5500% | 3,466 |
| Core capital (leverage) ratio | 10.2865% | 3,028 |
| Tier 1 risk-based capital ratio | 16.5406% | 2,867 |
| Total risk-based capital ratio | 17.7997% | 2,840 |
| Memoranda: | ||
| Average total assets | $199,946,600 | 3,046 |
| Average earning assets | $187,612,600 | 2,991 |
| Average equity | $22,120,200 | 2,957 |
| Average total loans | $118,483,200 | 3,112 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 1,439 |
| Cost of funding earning assets | 0.6954% | 3,809 |
| Net interest margin | 4.3999% | 1,198 |
| Noninterest income to average assets | 0.7668% | 2,397 |
| Noninterest expense to average assets | 2.7986% | 3,985 |
| Loan and lease loss provision to assets | 0.4499% | 1,395 |
| Net operating income to assets | 1.1121% | 2,047 |
| Return on assets (ROA) | 1.1381% | 2,149 |
| Pretax return on assets | 1.6820% | 1,320 |
| Return on Equity (ROE) | 10.1654% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.0919% | 1,188 |
| Net charge-offs to loans | 0.5290% | 2,026 |
| Credit loss provision to net charge-offs | 142.5532% | 2,021 |
| Earnings coverage of net charge-offs (x) | 6.6341% | 2,751 |
| Efficiency ratio | 56.7115% | 5,964 |
| Assets per employee ($millions) | 3.6704% | 4,609 |
| Cash dividends to net income (ytd only)* | 10.5605% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8743% | 2,563 |
| Loan loss allowance to noncurrent loans | 91.4735% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.6403% | 2,001 |
| Noncurrent loans to loans | 2.0490% | 2,793 |
| Net loans and leases to total assets | 57.3150% | 4,241 |
| Net loans and leases to deposits | 65.3686% | 4,551 |
| Net loans and leases to core deposits | 68.9020% | 4,624 |
| Total domestic deposits to total assets | 87.6798% | 2,238 |
| Equity capital to assets | 11.4082% | 2,843 |
| Core capital (leverage) ratio | 11.0369% | 2,341 |
| Tier 1 risk-based capital ratio | 17.4287% | 2,567 |
| Total risk-based capital ratio | 18.6853% | 2,534 |
| Memoranda: | ||
| Average total assets | $198,573,000 | 3,097 |
| Average earning assets | $186,180,250 | 3,034 |
| Average equity | $22,231,750 | 2,976 |
| Average total loans | $118,455,500 | 3,155 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1364% | 1,408 |
| Cost of funding earning assets | 0.7042% | 3,981 |
| Net interest margin | 4.4323% | 1,122 |
| Noninterest income to average assets | 0.7869% | 2,247 |
| Noninterest expense to average assets | 2.8855% | 3,679 |
| Loan and lease loss provision to assets | 0.5165% | 1,219 |
| Net operating income to assets | 1.0424% | 2,283 |
| Return on assets (ROA) | 1.0796% | 2,345 |
| Pretax return on assets | 1.5962% | 1,559 |
| Return on Equity (ROE) | 9.7061% | 2,483 |
| Retained earnings to average equity (ytd only) | 9.7061% | 1,055 |
| Net charge-offs to loans | 0.7704% | 1,428 |
| Credit loss provision to net charge-offs | 111.5974% | 2,438 |
| Earnings coverage of net charge-offs (x) | 4.4464% | 3,079 |
| Efficiency ratio | 57.8775% | 5,888 |
| Assets per employee ($millions) | 3.4644% | 5,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 3,080 |
| Loan loss allowance to noncurrent loans | 100.1943% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 2.4687% | 2,261 |
| Noncurrent loans to loans | 1.7334% | 3,301 |
| Net loans and leases to total assets | 59.1070% | 3,973 |
| Net loans and leases to deposits | 67.3452% | 4,312 |
| Net loans and leases to core deposits | 70.9252% | 4,424 |
| Total domestic deposits to total assets | 87.7672% | 2,300 |
| Equity capital to assets | 11.4048% | 2,684 |
| Core capital (leverage) ratio | 10.8914% | 2,399 |
| Tier 1 risk-based capital ratio | 16.8689% | 2,733 |
| Total risk-based capital ratio | 18.1233% | 2,687 |
| Memoranda: | ||
| Average total assets | $197,473,330 | 3,115 |
| Average earning assets | $185,187,670 | 3,056 |
| Average equity | $21,965,670 | 2,988 |
| Average total loans | $118,636,330 | 3,167 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0680% | 1,669 |
| Cost of funding earning assets | 0.7200% | 4,110 |
| Net interest margin | 4.3480% | 1,339 |
| Noninterest income to average assets | 0.7697% | 2,301 |
| Noninterest expense to average assets | 2.6677% | 4,553 |
| Loan and lease loss provision to assets | 0.4051% | 1,560 |
| Net operating income to assets | 1.1727% | 1,814 |
| Return on assets (ROA) | 1.2315% | 1,832 |
| Pretax return on assets | 1.8595% | 949 |
| Return on Equity (ROE) | 11.2136% | 1,936 |
| Retained earnings to average equity (ytd only) | 11.2136% | 982 |
| Net charge-offs to loans | 0.3374% | 2,307 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 10.7400% | 1,731 |
| Efficiency ratio | 54.5797% | 6,284 |
| Assets per employee ($millions) | 3.3506% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7917% | 3,022 |
| Loan loss allowance to noncurrent loans | 101.9816% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 2.3911% | 2,482 |
| Noncurrent loans to loans | 1.7569% | 3,479 |
| Net loans and leases to total assets | 58.5023% | 3,956 |
| Net loans and leases to deposits | 66.6344% | 4,287 |
| Net loans and leases to core deposits | 70.0764% | 4,408 |
| Total domestic deposits to total assets | 87.7959% | 2,461 |
| Equity capital to assets | 11.1018% | 2,801 |
| Core capital (leverage) ratio | 10.8200% | 2,424 |
| Tier 1 risk-based capital ratio | 16.9520% | 2,700 |
| Total risk-based capital ratio | 18.2076% | 2,655 |
| Memoranda: | ||
| Average total assets | $197,475,500 | 3,141 |
| Average earning assets | $185,005,000 | 3,078 |
| Average equity | $21,688,000 | 3,011 |
| Average total loans | $118,564,000 | 3,185 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5151% | 1,132 |
| Cost of funding earning assets | 1.0827% | 2,786 |
| Net interest margin | 4.4324% | 1,306 |
| Noninterest income to average assets | 0.6330% | 2,989 |
| Noninterest expense to average assets | 2.4944% | 5,487 |
| Loan and lease loss provision to assets | 0.7315% | 1,388 |
| Net operating income to assets | 1.0316% | 2,077 |
| Return on assets (ROA) | 1.0364% | 2,211 |
| Pretax return on assets | 1.5507% | 1,338 |
| Return on Equity (ROE) | 10.1524% | 2,011 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,351 |
| Net charge-offs to loans | 1.1423% | 1,488 |
| Credit loss provision to net charge-offs | 101.0000% | 3,448 |
| Earnings coverage of net charge-offs (x) | 3.1410% | 3,638 |
| Efficiency ratio | 52.3007% | 6,679 |
| Assets per employee ($millions) | 3.6100% | 4,749 |
| Cash dividends to net income (ytd only)* | 46.5409% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6194% | 3,515 |
| Loan loss allowance to noncurrent loans | 120.6751% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.7460% | 2,211 |
| Noncurrent loans to loans | 1.3419% | 4,131 |
| Net loans and leases to total assets | 63.3302% | 3,328 |
| Net loans and leases to deposits | 72.3047% | 3,756 |
| Net loans and leases to core deposits | 76.1384% | 3,964 |
| Total domestic deposits to total assets | 87.5879% | 2,416 |
| Equity capital to assets | 10.5736% | 3,448 |
| Core capital (leverage) ratio | 10.6150% | 2,604 |
| Tier 1 risk-based capital ratio | 15.7634% | 3,179 |
| Total risk-based capital ratio | 17.0176% | 3,138 |
| Memoranda: | ||
| Average total assets | $138,068,000 | 4,008 |
| Average earning assets | $128,847,200 | 3,953 |
| Average equity | $14,095,200 | 4,089 |
| Average total loans | $87,543,000 | 3,922 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 1,215 |
| Cost of funding earning assets | 1.1597% | 2,572 |
| Net interest margin | 4.3532% | 1,553 |
| Noninterest income to average assets | 0.6942% | 2,640 |
| Noninterest expense to average assets | 2.5068% | 5,439 |
| Loan and lease loss provision to assets | 0.5978% | 1,650 |
| Net operating income to assets | 1.1132% | 1,922 |
| Return on assets (ROA) | 1.1145% | 2,057 |
| Pretax return on assets | 1.6487% | 1,261 |
| Return on Equity (ROE) | 11.0149% | 1,856 |
| Retained earnings to average equity (ytd only) | 9.4332% | 1,001 |
| Net charge-offs to loans | 1.0852% | 1,469 |
| Credit loss provision to net charge-offs | 87.2011% | 3,884 |
| Earnings coverage of net charge-offs (x) | 3.2742% | 3,511 |
| Efficiency ratio | 52.7597% | 6,614 |
| Assets per employee ($millions) | 3.4102% | 5,225 |
| Cash dividends to net income (ytd only)* | 14.3600% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 3,979 |
| Loan loss allowance to noncurrent loans | 103.5826% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.8517% | 2,271 |
| Noncurrent loans to loans | 1.4725% | 4,089 |
| Net loans and leases to total assets | 62.9509% | 3,519 |
| Net loans and leases to deposits | 72.4207% | 3,913 |
| Net loans and leases to core deposits | 76.7924% | 4,084 |
| Total domestic deposits to total assets | 86.9238% | 2,701 |
| Equity capital to assets | 10.7948% | 3,366 |
| Core capital (leverage) ratio | 10.6695% | 2,691 |
| Tier 1 risk-based capital ratio | 16.1739% | 3,026 |
| Total risk-based capital ratio | 17.4265% | 2,987 |
| Memoranda: | ||
| Average total assets | $138,289,750 | 4,032 |
| Average earning assets | $128,884,000 | 3,978 |
| Average equity | $13,992,750 | 4,126 |
| Average total loans | $87,352,000 | 3,958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3833% | 1,613 |
| Cost of funding earning assets | 1.2540% | 2,228 |
| Net interest margin | 4.1292% | 2,305 |
| Noninterest income to average assets | 0.6493% | 2,846 |
| Noninterest expense to average assets | 2.4965% | 5,551 |
| Loan and lease loss provision to assets | 0.4391% | 2,238 |
| Net operating income to assets | 1.0620% | 1,994 |
| Return on assets (ROA) | 1.0639% | 2,078 |
| Pretax return on assets | 1.5707% | 1,318 |
| Return on Equity (ROE) | 10.7501% | 1,883 |
| Retained earnings to average equity (ytd only) | 8.3354% | 1,328 |
| Net charge-offs to loans | 0.9359% | 1,666 |
| Credit loss provision to net charge-offs | 74.5721% | 3,928 |
| Earnings coverage of net charge-offs (x) | 3.4083% | 3,183 |
| Efficiency ratio | 55.4348% | 6,472 |
| Assets per employee ($millions) | 3.7105% | 4,413 |
| Cash dividends to net income (ytd only)* | 22.4628% | 2,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 4,144 |
| Loan loss allowance to noncurrent loans | 73.0300% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 2.9602% | 2,263 |
| Noncurrent loans to loans | 2.0516% | 3,411 |
| Net loans and leases to total assets | 63.0208% | 3,673 |
| Net loans and leases to deposits | 72.1355% | 4,087 |
| Net loans and leases to core deposits | 74.2648% | 4,545 |
| Total domestic deposits to total assets | 87.3645% | 2,540 |
| Equity capital to assets | 10.3061% | 3,745 |
| Core capital (leverage) ratio | 10.1932% | 3,041 |
| Tier 1 risk-based capital ratio | 15.6096% | 3,179 |
| Total risk-based capital ratio | 16.8618% | 3,135 |
| Memoranda: | ||
| Average total assets | $138,917,000 | 4,044 |
| Average earning assets | $129,661,000 | 3,996 |
| Average equity | $13,748,670 | 4,168 |
| Average total loans | $87,402,670 | 4,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2429% | 2,082 |
| Cost of funding earning assets | 1.3641% | 1,808 |
| Net interest margin | 3.8787% | 3,249 |
| Noninterest income to average assets | 0.6069% | 3,117 |
| Noninterest expense to average assets | 2.5019% | 5,543 |
| Loan and lease loss provision to assets | 0.3292% | 2,577 |
| Net operating income to assets | 0.9561% | 2,330 |
| Return on assets (ROA) | 0.9561% | 2,393 |
| Pretax return on assets | 1.4141% | 1,686 |
| Return on Equity (ROE) | 9.8609% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.8609% | 1,148 |
| Net charge-offs to loans | 1.6195% | 833 |
| Credit loss provision to net charge-offs | 32.5779% | 4,072 |
| Earnings coverage of net charge-offs (x) | 1.7252% | 3,446 |
| Efficiency ratio | 58.9346% | 6,136 |
| Assets per employee ($millions) | 3.8147% | 4,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3404% | 4,941 |
| Loan loss allowance to noncurrent loans | 66.7984% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.7858% | 2,473 |
| Noncurrent loans to loans | 2.0067% | 3,568 |
| Net loans and leases to total assets | 61.6899% | 3,924 |
| Net loans and leases to deposits | 70.3496% | 4,295 |
| Net loans and leases to core deposits | 73.9074% | 4,540 |
| Total domestic deposits to total assets | 87.6905% | 2,560 |
| Equity capital to assets | 9.6781% | 4,204 |
| Core capital (leverage) ratio | 9.8559% | 3,328 |
| Tier 1 risk-based capital ratio | 15.4223% | 3,197 |
| Total risk-based capital ratio | 16.6729% | 3,154 |
| Memoranda: | ||
| Average total assets | $139,731,500 | 4,070 |
| Average earning assets | $131,073,500 | 4,001 |
| Average equity | $13,548,500 | 4,206 |
| Average total loans | $87,186,000 | 4,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5789% | 1,980 |
| Cost of funding earning assets | 1.7610% | 1,336 |
| Net interest margin | 3.8179% | 3,877 |
| Noninterest income to average assets | 0.7681% | 2,439 |
| Noninterest expense to average assets | 2.5240% | 5,704 |
| Loan and lease loss provision to assets | 0.5687% | 2,855 |
| Net operating income to assets | 0.8751% | 2,483 |
| Return on assets (ROA) | 0.9762% | 2,232 |
| Pretax return on assets | 1.4159% | 1,621 |
| Return on Equity (ROE) | 10.0218% | 1,921 |
| Retained earnings to average equity (ytd only) | 6.8919% | 1,369 |
| Net charge-offs to loans | 0.9391% | 2,305 |
| Credit loss provision to net charge-offs | 91.4016% | 5,067 |
| Earnings coverage of net charge-offs (x) | 2.9541% | 3,596 |
| Efficiency ratio | 57.8629% | 6,354 |
| Assets per employee ($millions) | 3.6400% | 4,606 |
| Cash dividends to net income (ytd only)* | 31.2312% | 2,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 3,405 |
| Loan loss allowance to noncurrent loans | 99.3007% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 2.5427% | 2,727 |
| Noncurrent loans to loans | 1.6605% | 4,013 |
| Net loans and leases to total assets | 61.2334% | 4,449 |
| Net loans and leases to deposits | 70.4384% | 4,760 |
| Net loans and leases to core deposits | 74.4271% | 4,928 |
| Total domestic deposits to total assets | 86.9318% | 2,866 |
| Equity capital to assets | 9.7144% | 4,104 |
| Core capital (leverage) ratio | 9.7820% | 3,343 |
| Tier 1 risk-based capital ratio | 15.4369% | 3,027 |
| Total risk-based capital ratio | 16.6911% | 2,984 |
| Memoranda: | ||
| Average total assets | $136,447,400 | 4,132 |
| Average earning assets | $128,449,000 | 4,053 |
| Average equity | $13,291,000 | 4,311 |
| Average total loans | $90,401,800 | 4,037 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 1,998 |
| Cost of funding earning assets | 1.8139% | 1,368 |
| Net interest margin | 3.8048% | 3,952 |
| Noninterest income to average assets | 0.8276% | 2,091 |
| Noninterest expense to average assets | 2.5376% | 5,572 |
| Loan and lease loss provision to assets | 0.4079% | 3,456 |
| Net operating income to assets | 0.9895% | 2,274 |
| Return on assets (ROA) | 1.0894% | 2,036 |
| Pretax return on assets | 1.6159% | 1,306 |
| Return on Equity (ROE) | 11.1758% | 1,730 |
| Retained earnings to average equity (ytd only) | 11.1758% | 581 |
| Net charge-offs to loans | 0.7463% | 2,558 |
| Credit loss provision to net charge-offs | 81.2500% | 5,095 |
| Earnings coverage of net charge-offs (x) | 3.7344% | 3,315 |
| Efficiency ratio | 57.5111% | 6,340 |
| Assets per employee ($millions) | 3.6394% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5528% | 3,725 |
| Loan loss allowance to noncurrent loans | 65.7721% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 2.8157% | 2,580 |
| Noncurrent loans to loans | 2.3608% | 3,282 |
| Net loans and leases to total assets | 64.0443% | 4,123 |
| Net loans and leases to deposits | 74.0383% | 4,502 |
| Net loans and leases to core deposits | 77.9676% | 4,808 |
| Total domestic deposits to total assets | 86.5016% | 2,804 |
| Equity capital to assets | 10.0450% | 4,103 |
| Core capital (leverage) ratio | 9.9814% | 3,276 |
| Tier 1 risk-based capital ratio | 15.1624% | 3,175 |
| Total risk-based capital ratio | 16.4163% | 3,148 |
| Memoranda: | ||
| Average total assets | $135,979,250 | 4,190 |
| Average earning assets | $128,115,250 | 4,107 |
| Average equity | $13,254,500 | 4,383 |
| Average total loans | $91,472,750 | 4,081 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 2,167 |
| Cost of funding earning assets | 1.8425% | 1,472 |
| Net interest margin | 3.7491% | 4,138 |
| Noninterest income to average assets | 0.8506% | 1,880 |
| Noninterest expense to average assets | 2.5546% | 5,508 |
| Loan and lease loss provision to assets | 0.2973% | 4,010 |
| Net operating income to assets | 1.0405% | 2,044 |
| Return on assets (ROA) | 1.1079% | 1,897 |
| Pretax return on assets | 1.6405% | 1,185 |
| Return on Equity (ROE) | 11.4860% | 1,600 |
| Retained earnings to average equity (ytd only) | 11.4860% | 570 |
| Net charge-offs to loans | 0.2544% | 4,078 |
| Credit loss provision to net charge-offs | 171.7949% | 2,270 |
| Earnings coverage of net charge-offs (x) | 10.6239% | 1,865 |
| Efficiency ratio | 58.1481% | 6,358 |
| Assets per employee ($millions) | 3.6502% | 4,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 2,982 |
| Loan loss allowance to noncurrent loans | 44.6616% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 3.5953% | 1,953 |
| Noncurrent loans to loans | 3.8618% | 1,983 |
| Net loans and leases to total assets | 64.7802% | 4,096 |
| Net loans and leases to deposits | 74.5149% | 4,595 |
| Net loans and leases to core deposits | 78.2486% | 4,902 |
| Total domestic deposits to total assets | 86.9360% | 2,559 |
| Equity capital to assets | 9.6749% | 4,431 |
| Core capital (leverage) ratio | 9.8512% | 3,340 |
| Tier 1 risk-based capital ratio | 14.6733% | 3,342 |
| Total risk-based capital ratio | 15.9293% | 3,314 |
| Memoranda: | ||
| Average total assets | $135,206,330 | 4,232 |
| Average earning assets | $127,764,000 | 4,142 |
| Average equity | $13,042,000 | 4,429 |
| Average total loans | $91,974,000 | 4,106 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7661% | 1,571 |
| Cost of funding earning assets | 1.8904% | 1,489 |
| Net interest margin | 3.8757% | 3,431 |
| Noninterest income to average assets | 0.9651% | 1,405 |
| Noninterest expense to average assets | 2.4488% | 5,916 |
| Loan and lease loss provision to assets | 0.4076% | 2,921 |
| Net operating income to assets | 1.2289% | 1,465 |
| Return on assets (ROA) | 1.2289% | 1,542 |
| Pretax return on assets | 1.7834% | 907 |
| Return on Equity (ROE) | 12.7597% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.7597% | 656 |
| Net charge-offs to loans | 0.0954% | 4,457 |
| Credit loss provision to net charge-offs | 618.1818% | 706 |
| Earnings coverage of net charge-offs (x) | 33.2273% | 809 |
| Efficiency ratio | 52.7778% | 7,079 |
| Assets per employee ($millions) | 3.4612% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7492% | 2,898 |
| Loan loss allowance to noncurrent loans | 66.9026% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.0254% | 3,472 |
| Noncurrent loans to loans | 2.6145% | 3,051 |
| Net loans and leases to total assets | 66.8701% | 3,663 |
| Net loans and leases to deposits | 77.0543% | 4,214 |
| Net loans and leases to core deposits | 81.5345% | 4,554 |
| Total domestic deposits to total assets | 86.7832% | 2,743 |
| Equity capital to assets | 9.6861% | 4,246 |
| Core capital (leverage) ratio | 9.8771% | 3,308 |
| Tier 1 risk-based capital ratio | 14.1549% | 3,564 |
| Total risk-based capital ratio | 15.4109% | 3,528 |
| Memoranda: | ||
| Average total assets | $133,455,000 | 4,337 |
| Average earning assets | $126,532,500 | 4,227 |
| Average equity | $12,853,000 | 4,510 |
| Average total loans | $92,244,500 | 4,160 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1432% | 1,395 |
| Cost of funding earning assets | 2.3394% | 1,494 |
| Net interest margin | 3.8038% | 3,690 |
| Noninterest income to average assets | 0.7453% | 2,708 |
| Noninterest expense to average assets | 2.5013% | 6,126 |
| Loan and lease loss provision to assets | 0.1954% | 5,781 |
| Net operating income to assets | 1.0583% | 1,635 |
| Return on assets (ROA) | 0.6259% | 3,289 |
| Pretax return on assets | 0.9339% | 2,815 |
| Return on Equity (ROE) | 6.7002% | 2,907 |
| Retained earnings to average equity (ytd only) | 0.2976% | 4,742 |
| Net charge-offs to loans | 0.5116% | 3,734 |
| Credit loss provision to net charge-offs | 54.7368% | 6,697 |
| Earnings coverage of net charge-offs (x) | 4.9726% | 2,733 |
| Efficiency ratio | 58.4959% | 6,697 |
| Assets per employee ($millions) | 3.5655% | 4,859 |
| Cash dividends to net income (ytd only)* | 95.5582% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 3,232 |
| Loan loss allowance to noncurrent loans | 52.2393% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.4393% | 2,853 |
| Noncurrent loans to loans | 3.0859% | 2,483 |
| Net loans and leases to total assets | 69.0729% | 3,466 |
| Net loans and leases to deposits | 80.4441% | 3,900 |
| Net loans and leases to core deposits | 123.4094% | 1,681 |
| Total domestic deposits to total assets | 85.8645% | 3,079 |
| Equity capital to assets | 9.5745% | 4,313 |
| Core capital (leverage) ratio | 9.5526% | 3,657 |
| Tier 1 risk-based capital ratio | 13.6695% | 3,705 |
| Total risk-based capital ratio | 14.9238% | 3,643 |
| Memoranda: | ||
| Average total assets | $133,092,200 | 4,275 |
| Average earning assets | $123,534,200 | 4,230 |
| Average equity | $12,432,400 | 4,649 |
| Average total loans | $92,854,600 | 4,137 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1865% | 1,409 |
| Cost of funding earning assets | 2.4452% | 1,468 |
| Net interest margin | 3.7413% | 3,903 |
| Noninterest income to average assets | 0.7417% | 2,756 |
| Noninterest expense to average assets | 2.5100% | 6,042 |
| Loan and lease loss provision to assets | 0.1200% | 6,166 |
| Net operating income to assets | 1.0637% | 1,851 |
| Return on assets (ROA) | 0.4798% | 4,169 |
| Pretax return on assets | 0.7097% | 3,822 |
| Return on Equity (ROE) | 5.1683% | 3,895 |
| Retained earnings to average equity (ytd only) | 0.8937% | 4,809 |
| Net charge-offs to loans | 0.4908% | 3,264 |
| Credit loss provision to net charge-offs | 35.0877% | 6,469 |
| Earnings coverage of net charge-offs (x) | 4.9386% | 2,963 |
| Efficiency ratio | 59.7857% | 6,447 |
| Assets per employee ($millions) | 3.5650% | 4,775 |
| Cash dividends to net income (ytd only)* | 82.7088% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 2,995 |
| Loan loss allowance to noncurrent loans | 54.3296% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 2.4100% | 2,855 |
| Noncurrent loans to loans | 2.9433% | 2,585 |
| Net loans and leases to total assets | 69.3706% | 3,639 |
| Net loans and leases to deposits | 81.8088% | 4,059 |
| Net loans and leases to core deposits | 125.2501% | 1,793 |
| Total domestic deposits to total assets | 84.7960% | 3,327 |
| Equity capital to assets | 9.7175% | 4,475 |
| Core capital (leverage) ratio | 9.5628% | 3,830 |
| Tier 1 risk-based capital ratio | 13.6551% | 3,744 |
| Total risk-based capital ratio | 14.9091% | 3,680 |
| Memoranda: | ||
| Average total assets | $133,384,500 | 4,293 |
| Average earning assets | $123,233,000 | 4,264 |
| Average equity | $12,382,750 | 4,683 |
| Average total loans | $92,914,250 | 4,175 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3113% | 1,180 |
| Cost of funding earning assets | 2.5281% | 1,513 |
| Net interest margin | 3.7832% | 3,624 |
| Noninterest income to average assets | 0.7156% | 2,896 |
| Noninterest expense to average assets | 2.5157% | 6,068 |
| Loan and lease loss provision to assets | 0.1195% | 5,929 |
| Net operating income to assets | 1.0958% | 1,786 |
| Return on assets (ROA) | 0.1688% | 5,464 |
| Pretax return on assets | 0.2375% | 5,360 |
| Return on Equity (ROE) | 1.8468% | 5,360 |
| Retained earnings to average equity (ytd only) | -4.6414% | 6,244 |
| Net charge-offs to loans | 0.7407% | 2,198 |
| Credit loss provision to net charge-offs | 23.2558% | 6,096 |
| Earnings coverage of net charge-offs (x) | 3.2355% | 3,518 |
| Efficiency ratio | 60.2074% | 6,515 |
| Assets per employee ($millions) | 3.6375% | 4,479 |
| Cash dividends to net income (ytd only)* | 351.3274% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5404% | 2,983 |
| Loan loss allowance to noncurrent loans | 94.3791% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 1.4652% | 4,043 |
| Noncurrent loans to loans | 1.6322% | 4,048 |
| Net loans and leases to total assets | 68.5762% | 4,053 |
| Net loans and leases to deposits | 80.1521% | 4,521 |
| Net loans and leases to core deposits | 121.0868% | 2,267 |
| Total domestic deposits to total assets | 85.5575% | 2,990 |
| Equity capital to assets | 9.0438% | 5,250 |
| Core capital (leverage) ratio | 9.2098% | 4,296 |
| Tier 1 risk-based capital ratio | 13.0162% | 4,139 |
| Total risk-based capital ratio | 14.2701% | 4,054 |
| Memoranda: | ||
| Average total assets | $133,877,330 | 4,309 |
| Average earning assets | $122,541,330 | 4,309 |
| Average equity | $12,237,670 | 4,751 |
| Average total loans | $92,888,670 | 4,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4709% | 920 |
| Cost of funding earning assets | 2.5739% | 1,643 |
| Net interest margin | 3.8970% | 3,052 |
| Noninterest income to average assets | 0.6681% | 3,088 |
| Noninterest expense to average assets | 2.4625% | 5,985 |
| Loan and lease loss provision to assets | 0.1198% | 5,427 |
| Net operating income to assets | 1.1099% | 1,922 |
| Return on assets (ROA) | 1.0875% | 2,133 |
| Pretax return on assets | 1.5997% | 1,407 |
| Return on Equity (ROE) | 11.8333% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.3462% | 2,934 |
| Net charge-offs to loans | 1.5704% | 922 |
| Credit loss provision to net charge-offs | 11.0193% | 5,184 |
| Earnings coverage of net charge-offs (x) | 1.6116% | 3,920 |
| Efficiency ratio | 58.4222% | 6,634 |
| Assets per employee ($millions) | 3.4498% | 4,944 |
| Cash dividends to net income (ytd only)* | 54.8209% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4963% | 3,015 |
| Loan loss allowance to noncurrent loans | 169.4377% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9514% | 4,817 |
| Noncurrent loans to loans | 0.8831% | 5,240 |
| Net loans and leases to total assets | 67.8155% | 4,183 |
| Net loans and leases to deposits | 80.1224% | 4,590 |
| Net loans and leases to core deposits | 119.9845% | 2,413 |
| Total domestic deposits to total assets | 84.6399% | 3,396 |
| Equity capital to assets | 9.1733% | 5,119 |
| Core capital (leverage) ratio | 9.6141% | 3,858 |
| Tier 1 risk-based capital ratio | 13.4029% | 3,927 |
| Total risk-based capital ratio | 14.6551% | 3,840 |
| Memoranda: | ||
| Average total assets | $133,521,500 | 4,334 |
| Average earning assets | $121,529,000 | 4,346 |
| Average equity | $12,270,500 | 4,762 |
| Average total loans | $92,463,000 | 4,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1236% | 879 |
| Cost of funding earning assets | 3.2230% | 1,118 |
| Net interest margin | 3.9005% | 3,563 |
| Noninterest income to average assets | 0.7836% | 2,599 |
| Noninterest expense to average assets | 2.4282% | 6,302 |
| Loan and lease loss provision to assets | 0.1204% | 5,822 |
| Net operating income to assets | 1.2172% | 1,721 |
| Return on assets (ROA) | 1.2198% | 1,657 |
| Pretax return on assets | 1.8056% | 933 |
| Return on Equity (ROE) | 13.1633% | 1,292 |
| Retained earnings to average equity (ytd only) | 6.7678% | 1,232 |
| Net charge-offs to loans | 0.2196% | 4,032 |
| Credit loss provision to net charge-offs | 81.3472% | 5,874 |
| Earnings coverage of net charge-offs (x) | 12.9896% | 2,184 |
| Efficiency ratio | 55.8160% | 7,037 |
| Assets per employee ($millions) | 3.3125% | 5,183 |
| Cash dividends to net income (ytd only)* | 48.5858% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8516% | 1,527 |
| Loan loss allowance to noncurrent loans | 140.7743% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2128% | 3,813 |
| Noncurrent loans to loans | 1.3153% | 3,883 |
| Net loans and leases to total assets | 68.3698% | 4,396 |
| Net loans and leases to deposits | 81.7341% | 4,765 |
| Net loans and leases to core deposits | 126.6320% | 2,119 |
| Total domestic deposits to total assets | 83.6491% | 3,504 |
| Equity capital to assets | 9.2068% | 5,066 |
| Core capital (leverage) ratio | 9.5973% | 3,881 |
| Tier 1 risk-based capital ratio | 13.1301% | 4,045 |
| Total risk-based capital ratio | 14.3863% | 3,949 |
| Memoranda: | ||
| Average total assets | $130,428,000 | 4,272 |
| Average earning assets | $119,266,200 | 4,280 |
| Average equity | $12,086,600 | 4,810 |
| Average total loans | $87,898,200 | 4,290 |