Home > Grant County Bank > Performance and Condition Ratios
Grant County 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 | 5.3742% | 2,347 |
| Cost of funding earning assets | 1.9280% | 2,121 |
| Net interest margin | 3.4462% | 2,452 |
| Noninterest income to average assets | 1.1400% | 480 |
| Noninterest expense to average assets | 2.7632% | 1,592 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.4873% | 1,122 |
| Return on assets (ROA) | 1.4847% | 1,121 |
| Pretax return on assets | 1.5495% | 1,400 |
| Return on Equity (ROE) | 13.3200% | 1,413 |
| Retained earnings to average equity (ytd only) | 7.2728% | 1,906 |
| Net charge-offs to loans | 0.0295% | 1,413 |
| Credit loss provision to net charge-offs | 400.0000% | 603 |
| Earnings coverage of net charge-offs (x) | 101.8333% | 689 |
| Efficiency ratio | 63.1039% | 2,586 |
| Assets per employee ($millions) | 5.4240% | 3,379 |
| Cash dividends to net income (ytd only)* | 45.4141% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8435% | 497 |
| Loan loss allowance to noncurrent loans | 30.1677% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 3.3779% | 73 |
| Noncurrent loans to loans | 6.1108% | 40 |
| Net loans and leases to total assets | 54.2600% | 3,326 |
| Net loans and leases to deposits | 65.6290% | 3,156 |
| Net loans and leases to core deposits | 88.7529% | 2,132 |
| Total domestic deposits to total assets | 82.6700% | 3,180 |
| Equity capital to assets | 11.5457% | 1,400 |
| Core capital (leverage) ratio | 13.2424% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $302,547,000 | 2,467 |
| Average earning assets | $284,022,000 | 2,456 |
| Average equity | $33,714,500 | 2,280 |
| Average total loans | $162,809,500 | 2,659 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 2,445 |
| Cost of funding earning assets | 2.0364% | 2,136 |
| Net interest margin | 3.3090% | 2,492 |
| Noninterest income to average assets | 0.9700% | 653 |
| Noninterest expense to average assets | 2.6145% | 1,976 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.3613% | 1,146 |
| Return on assets (ROA) | 1.3319% | 1,208 |
| Pretax return on assets | 1.3824% | 1,553 |
| Return on Equity (ROE) | 12.3500% | 1,521 |
| Retained earnings to average equity (ytd only) | 5.5678% | 2,004 |
| Net charge-offs to loans | 0.6194% | 242 |
| Credit loss provision to net charge-offs | 12.9196% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.4517% | 2,656 |
| Efficiency ratio | 64.2425% | 2,703 |
| Assets per employee ($millions) | 5.7882% | 3,041 |
| Cash dividends to net income (ytd only)* | 54.9313% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 475 |
| Loan loss allowance to noncurrent loans | 28.4267% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 3.4436% | 57 |
| Noncurrent loans to loans | 6.5731% | 36 |
| Net loans and leases to total assets | 51.4100% | 3,559 |
| Net loans and leases to deposits | 60.6062% | 3,507 |
| Net loans and leases to core deposits | 78.3362% | 2,893 |
| Total domestic deposits to total assets | 84.8300% | 2,583 |
| Equity capital to assets | 10.7525% | 1,696 |
| Core capital (leverage) ratio | 12.9713% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $300,702,000 | 2,454 |
| Average earning assets | $282,109,400 | 2,444 |
| Average equity | $32,418,600 | 2,285 |
| Average total loans | $158,695,600 | 2,661 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3756% | 2,312 |
| Cost of funding earning assets | 2.0314% | 2,132 |
| Net interest margin | 3.3441% | 2,361 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 2.6386% | 1,853 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.3802% | 1,135 |
| Return on assets (ROA) | 1.3378% | 1,237 |
| Pretax return on assets | 1.3962% | 1,521 |
| Return on Equity (ROE) | 12.4000% | 1,515 |
| Retained earnings to average equity (ytd only) | 7.5264% | 1,556 |
| Net charge-offs to loans | 0.8209% | 168 |
| Credit loss provision to net charge-offs | 9.5483% | 2,218 |
| Earnings coverage of net charge-offs (x) | 3.4138% | 2,518 |
| Efficiency ratio | 64.0385% | 2,708 |
| Assets per employee ($millions) | 5.4978% | 3,273 |
| Cash dividends to net income (ytd only)* | 39.3071% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 541 |
| Loan loss allowance to noncurrent loans | 29.3312% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 3.4199% | 68 |
| Noncurrent loans to loans | 6.1620% | 48 |
| Net loans and leases to total assets | 54.5000% | 3,375 |
| Net loans and leases to deposits | 65.4500% | 3,272 |
| Net loans and leases to core deposits | 87.9481% | 2,297 |
| Total domestic deposits to total assets | 83.2700% | 2,767 |
| Equity capital to assets | 11.7600% | 1,372 |
| Core capital (leverage) ratio | 13.5681% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $299,187,750 | 2,459 |
| Average earning assets | $281,042,750 | 2,447 |
| Average equity | $32,276,750 | 2,287 |
| Average total loans | $158,190,750 | 2,663 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5095% | 1,954 |
| Cost of funding earning assets | 1.9924% | 2,135 |
| Net interest margin | 3.5171% | 1,929 |
| Noninterest income to average assets | 1.0200% | 577 |
| Noninterest expense to average assets | 2.6724% | 1,754 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.5473% | 846 |
| Return on assets (ROA) | 1.4769% | 954 |
| Pretax return on assets | 1.5416% | 1,206 |
| Return on Equity (ROE) | 14.1100% | 1,138 |
| Retained earnings to average equity (ytd only) | 9.0133% | 1,097 |
| Net charge-offs to loans | 1.0192% | 128 |
| Credit loss provision to net charge-offs | 7.2956% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.1195% | 2,353 |
| Efficiency ratio | 61.7756% | 3,027 |
| Assets per employee ($millions) | 5.5903% | 3,142 |
| Cash dividends to net income (ytd only)* | 36.1174% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9238% | 447 |
| Loan loss allowance to noncurrent loans | 289.5620% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 1,718 |
| Noncurrent loans to loans | 0.6644% | 1,389 |
| Net loans and leases to total assets | 53.4600% | 3,444 |
| Net loans and leases to deposits | 62.8649% | 3,427 |
| Net loans and leases to core deposits | 83.6635% | 2,552 |
| Total domestic deposits to total assets | 85.0400% | 2,306 |
| Equity capital to assets | 10.9550% | 1,595 |
| Core capital (leverage) ratio | 13.4696% | 936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $299,957,000 | 2,450 |
| Average earning assets | $282,276,667 | 2,431 |
| Average equity | $31,398,000 | 2,294 |
| Average total loans | $155,998,000 | 2,668 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 2,209 |
| Cost of funding earning assets | 1.9359% | 2,161 |
| Net interest margin | 3.3554% | 2,219 |
| Noninterest income to average assets | 1.0500% | 514 |
| Noninterest expense to average assets | 2.6588% | 1,791 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 1.4760% | 934 |
| Return on assets (ROA) | 1.3360% | 1,183 |
| Pretax return on assets | 1.3930% | 1,449 |
| Return on Equity (ROE) | 13.0600% | 1,326 |
| Retained earnings to average equity (ytd only) | 7.8787% | 1,584 |
| Net charge-offs to loans | -0.0104% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.2010% | 2,899 |
| Assets per employee ($millions) | 5.4901% | 3,277 |
| Cash dividends to net income (ytd only)* | 39.6825% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5111% | 193 |
| Loan loss allowance to noncurrent loans | 381.0039% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 1,736 |
| Noncurrent loans to loans | 0.6591% | 1,343 |
| Net loans and leases to total assets | 50.6900% | 3,568 |
| Net loans and leases to deposits | 59.3268% | 3,552 |
| Net loans and leases to core deposits | 78.5132% | 2,831 |
| Total domestic deposits to total assets | 85.4500% | 2,273 |
| Equity capital to assets | 10.5502% | 1,699 |
| Core capital (leverage) ratio | 12.9713% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $301,793,000 | 2,451 |
| Average earning assets | $284,315,500 | 2,423 |
| Average equity | $30,868,000 | 2,319 |
| Average total loans | $153,246,000 | 2,681 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 2,177 |
| Cost of funding earning assets | 1.3181% | 2,466 |
| Net interest margin | 3.6319% | 1,896 |
| Noninterest income to average assets | 0.9100% | 750 |
| Noninterest expense to average assets | 2.6014% | 1,996 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.6435% | 805 |
| Return on assets (ROA) | 1.5401% | 918 |
| Pretax return on assets | 1.5985% | 1,230 |
| Return on Equity (ROE) | 15.9200% | 1,110 |
| Retained earnings to average equity (ytd only) | 7.6644% | 1,651 |
| Net charge-offs to loans | -0.0087% | 3,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.2897% | 3,048 |
| Assets per employee ($millions) | 5.7947% | 2,985 |
| Cash dividends to net income (ytd only)* | 51.8602% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5332% | 187 |
| Loan loss allowance to noncurrent loans | 481.7728% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 1,916 |
| Noncurrent loans to loans | 0.5258% | 1,474 |
| Net loans and leases to total assets | 48.3400% | 3,708 |
| Net loans and leases to deposits | 56.0065% | 3,706 |
| Net loans and leases to core deposits | 70.2230% | 3,293 |
| Total domestic deposits to total assets | 86.3200% | 1,908 |
| Equity capital to assets | 9.9173% | 2,055 |
| Core capital (leverage) ratio | 13.3615% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $287,960,600 | 2,483 |
| Average earning assets | $270,241,000 | 2,463 |
| Average equity | $27,856,200 | 2,368 |
| Average total loans | $148,779,600 | 2,687 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9192% | 2,021 |
| Cost of funding earning assets | 1.1966% | 2,440 |
| Net interest margin | 3.7226% | 1,734 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.6386% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7000% | 797 |
| Return on assets (ROA) | 1.6042% | 930 |
| Pretax return on assets | 1.6739% | 1,210 |
| Return on Equity (ROE) | 16.7000% | 1,133 |
| Retained earnings to average equity (ytd only) | 9.3458% | 1,591 |
| Net charge-offs to loans | -0.0117% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.8015% | 2,987 |
| Assets per employee ($millions) | 5.2342% | 3,401 |
| Cash dividends to net income (ytd only)* | 44.0270% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5128% | 192 |
| Loan loss allowance to noncurrent loans | 406.6737% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,573 |
| Noncurrent loans to loans | 0.6179% | 1,318 |
| Net loans and leases to total assets | 53.6900% | 3,384 |
| Net loans and leases to deposits | 62.9388% | 3,338 |
| Net loans and leases to core deposits | 79.0967% | 2,663 |
| Total domestic deposits to total assets | 85.3000% | 2,415 |
| Equity capital to assets | 9.7703% | 1,950 |
| Core capital (leverage) ratio | 13.6453% | 888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $283,171,000 | 2,503 |
| Average earning assets | $265,401,500 | 2,487 |
| Average equity | $27,205,750 | 2,390 |
| Average total loans | $147,890,750 | 2,700 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8039% | 1,985 |
| Cost of funding earning assets | 1.0455% | 2,465 |
| Net interest margin | 3.7584% | 1,703 |
| Noninterest income to average assets | 0.9200% | 658 |
| Noninterest expense to average assets | 2.5655% | 2,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7994% | 659 |
| Return on assets (ROA) | 1.6809% | 819 |
| Pretax return on assets | 1.7538% | 1,104 |
| Return on Equity (ROE) | 17.5900% | 1,002 |
| Retained earnings to average equity (ytd only) | 10.2498% | 1,342 |
| Net charge-offs to loans | -0.0520% | 4,376 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.6814% | 3,227 |
| Assets per employee ($millions) | 5.4149% | 3,221 |
| Cash dividends to net income (ytd only)* | 41.7362% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6038% | 192 |
| Loan loss allowance to noncurrent loans | 367.2676% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 1,310 |
| Noncurrent loans to loans | 0.7090% | 1,054 |
| Net loans and leases to total assets | 52.4300% | 3,376 |
| Net loans and leases to deposits | 61.4680% | 3,340 |
| Net loans and leases to core deposits | 76.2427% | 2,744 |
| Total domestic deposits to total assets | 85.3000% | 2,460 |
| Equity capital to assets | 10.2404% | 1,721 |
| Core capital (leverage) ratio | 13.2107% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $285,091,000 | 2,500 |
| Average earning assets | $267,239,667 | 2,489 |
| Average equity | $27,239,667 | 2,402 |
| Average total loans | $146,261,667 | 2,706 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,771 |
| Cost of funding earning assets | 0.8838% | 2,425 |
| Net interest margin | 3.8500% | 1,579 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.5722% | 2,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8926% | 584 |
| Return on assets (ROA) | 1.7268% | 773 |
| Pretax return on assets | 1.8014% | 1,063 |
| Return on Equity (ROE) | 18.7100% | 924 |
| Retained earnings to average equity (ytd only) | 11.2278% | 1,422 |
| Net charge-offs to loans | -0.0965% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.5442% | 3,352 |
| Assets per employee ($millions) | 5.9079% | 2,836 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7062% | 176 |
| Loan loss allowance to noncurrent loans | 407.9197% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 1,543 |
| Noncurrent loans to loans | 0.6634% | 1,137 |
| Net loans and leases to total assets | 47.9700% | 3,632 |
| Net loans and leases to deposits | 55.2716% | 3,613 |
| Net loans and leases to core deposits | 66.8691% | 3,166 |
| Total domestic deposits to total assets | 86.8000% | 2,339 |
| Equity capital to assets | 9.6547% | 2,032 |
| Core capital (leverage) ratio | 12.5201% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $289,556,000 | 2,517 |
| Average earning assets | $271,998,500 | 2,495 |
| Average equity | $26,719,500 | 2,449 |
| Average total loans | $145,060,000 | 2,753 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8388% | 2,175 |
| Cost of funding earning assets | 0.3714% | 2,317 |
| Net interest margin | 3.4674% | 2,046 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 2.4756% | 2,195 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.5561% | 769 |
| Return on assets (ROA) | 1.4451% | 979 |
| Pretax return on assets | 1.5072% | 1,434 |
| Return on Equity (ROE) | 14.3800% | 1,439 |
| Retained earnings to average equity (ytd only) | 4.0318% | 3,387 |
| Net charge-offs to loans | -0.0986% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8075% | 3,086 |
| Assets per employee ($millions) | 6.1622% | 2,629 |
| Cash dividends to net income (ytd only)* | 71.9688% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5954% | 196 |
| Loan loss allowance to noncurrent loans | 432.6923% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 1,610 |
| Noncurrent loans to loans | 0.5998% | 1,251 |
| Net loans and leases to total assets | 49.5600% | 3,535 |
| Net loans and leases to deposits | 56.0667% | 3,574 |
| Net loans and leases to core deposits | 67.4284% | 3,040 |
| Total domestic deposits to total assets | 88.4000% | 1,932 |
| Equity capital to assets | 8.8010% | 2,490 |
| Core capital (leverage) ratio | 12.7619% | 1,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $283,643,200 | 2,535 |
| Average earning assets | $266,309,400 | 2,514 |
| Average equity | $28,498,600 | 2,403 |
| Average total loans | $147,039,400 | 2,657 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7153% | 1,994 |
| Cost of funding earning assets | 0.2909% | 2,270 |
| Net interest margin | 3.4244% | 1,897 |
| Noninterest income to average assets | 1.1800% | 513 |
| Noninterest expense to average assets | 2.7550% | 1,336 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.5302% | 780 |
| Return on assets (ROA) | 1.4068% | 1,043 |
| Pretax return on assets | 1.4682% | 1,502 |
| Return on Equity (ROE) | 13.5700% | 1,551 |
| Retained earnings to average equity (ytd only) | 3.6329% | 3,574 |
| Net charge-offs to loans | 0.2441% | 279 |
| Credit loss provision to net charge-offs | 34.5725% | 1,588 |
| Earnings coverage of net charge-offs (x) | 12.9071% | 1,903 |
| Efficiency ratio | 62.6747% | 2,742 |
| Assets per employee ($millions) | 5.4702% | 3,256 |
| Cash dividends to net income (ytd only)* | 73.2281% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2304% | 332 |
| Loan loss allowance to noncurrent loans | 195.9514% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 753 |
| Noncurrent loans to loans | 1.1382% | 652 |
| Net loans and leases to total assets | 54.3000% | 3,071 |
| Net loans and leases to deposits | 61.6842% | 3,045 |
| Net loans and leases to core deposits | 75.1179% | 2,269 |
| Total domestic deposits to total assets | 88.0300% | 2,431 |
| Equity capital to assets | 8.8356% | 2,327 |
| Core capital (leverage) ratio | 12.5931% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $282,147,750 | 2,562 |
| Average earning assets | $264,913,500 | 2,542 |
| Average equity | $29,250,750 | 2,400 |
| Average total loans | $146,955,250 | 2,666 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6108% | 1,808 |
| Cost of funding earning assets | 0.2515% | 2,245 |
| Net interest margin | 3.3592% | 1,727 |
| Noninterest income to average assets | 1.1901% | 482 |
| Noninterest expense to average assets | 2.7036% | 1,385 |
| Loan and lease loss provision to assets | 0.0505% | 1,676 |
| Net operating income to assets | 1.5279% | 658 |
| Return on assets (ROA) | 1.3837% | 921 |
| Pretax return on assets | 1.4441% | 1,323 |
| Return on Equity (ROE) | 12.7449% | 1,452 |
| Retained earnings to average equity (ytd only) | 1.4348% | 3,893 |
| Net charge-offs to loans | 0.3634% | 189 |
| Credit loss provision to net charge-offs | 27.2727% | 1,578 |
| Earnings coverage of net charge-offs (x) | 8.8788% | 1,813 |
| Efficiency ratio | 62.1752% | 3,025 |
| Assets per employee ($millions) | 5.5008% | 3,227 |
| Cash dividends to net income (ytd only)* | 88.7424% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 327 |
| Loan loss allowance to noncurrent loans | 166.8976% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7778% | 668 |
| Noncurrent loans to loans | 1.3816% | 552 |
| Net loans and leases to total assets | 50.9387% | 3,269 |
| Net loans and leases to deposits | 57.4687% | 3,272 |
| Net loans and leases to core deposits | 69.6274% | 2,513 |
| Total domestic deposits to total assets | 88.6373% | 2,321 |
| Equity capital to assets | 9.5391% | 1,986 |
| Core capital (leverage) ratio | 12.3607% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,027,667 | 2,561 |
| Average earning assets | $267,977,000 | 2,551 |
| Average equity | $30,945,667 | 2,375 |
| Average total loans | $145,306,333 | 2,694 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 973 |
| Cost of funding earning assets | 0.2365% | 2,303 |
| Net interest margin | 3.6320% | 847 |
| Noninterest income to average assets | 1.1961% | 489 |
| Noninterest expense to average assets | 2.6470% | 1,485 |
| Loan and lease loss provision to assets | 0.0613% | 1,315 |
| Net operating income to assets | 1.8300% | 308 |
| Return on assets (ROA) | 1.8380% | 307 |
| Pretax return on assets | 1.9174% | 427 |
| Return on Equity (ROE) | 15.9816% | 537 |
| Retained earnings to average equity (ytd only) | 0.2421% | 3,971 |
| Net charge-offs to loans | 0.4143% | 164 |
| Credit loss provision to net charge-offs | 29.3333% | 1,263 |
| Earnings coverage of net charge-offs (x) | 9.4333% | 1,487 |
| Efficiency ratio | 57.3281% | 3,754 |
| Assets per employee ($millions) | 5.8986% | 2,899 |
| Cash dividends to net income (ytd only)* | 98.4848% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4455% | 299 |
| Loan loss allowance to noncurrent loans | 44.4816% | 3,885 |
| Noncurrent assets plus other real estate owned to assets | 2.8870% | 66 |
| Noncurrent loans to loans | 5.4978% | 55 |
| Net loans and leases to total assets | 48.7206% | 3,309 |
| Net loans and leases to deposits | 55.7367% | 3,293 |
| Net loans and leases to core deposits | 67.4815% | 2,495 |
| Total domestic deposits to total assets | 87.4120% | 2,780 |
| Equity capital to assets | 10.7041% | 1,487 |
| Core capital (leverage) ratio | 11.9765% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $287,271,000 | 2,565 |
| Average earning assets | $270,591,500 | 2,553 |
| Average equity | $33,038,000 | 2,331 |
| Average total loans | $144,821,000 | 2,691 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7209% | 2,053 |
| Cost of funding earning assets | 0.2482% | 2,953 |
| Net interest margin | 3.4727% | 1,819 |
| Noninterest income to average assets | 1.1100% | 847 |
| Noninterest expense to average assets | 2.7723% | 1,428 |
| Loan and lease loss provision to assets | 0.1135% | 1,111 |
| Net operating income to assets | 1.4019% | 1,272 |
| Return on assets (ROA) | 1.4154% | 1,294 |
| Pretax return on assets | 1.4764% | 1,798 |
| Return on Equity (ROE) | 10.8825% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.3603% | 2,641 |
| Net charge-offs to loans | 0.1492% | 640 |
| Credit loss provision to net charge-offs | 130.0847% | 1,580 |
| Earnings coverage of net charge-offs (x) | 18.0636% | 1,919 |
| Efficiency ratio | 63.7592% | 2,599 |
| Assets per employee ($millions) | 5.7139% | 3,041 |
| Cash dividends to net income (ytd only)* | 50.7443% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 322 |
| Loan loss allowance to noncurrent loans | 71.8983% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.8644% | 184 |
| Noncurrent loans to loans | 3.3439% | 154 |
| Net loans and leases to total assets | 49.6471% | 3,331 |
| Net loans and leases to deposits | 57.7294% | 3,280 |
| Net loans and leases to core deposits | 69.7145% | 2,480 |
| Total domestic deposits to total assets | 85.9996% | 2,906 |
| Equity capital to assets | 12.2746% | 1,145 |
| Core capital (leverage) ratio | 12.5195% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,531,200 | 2,599 |
| Average earning assets | $252,252,000 | 2,601 |
| Average equity | $35,184,800 | 2,282 |
| Average total loans | $158,200,400 | 2,564 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7868% | 2,041 |
| Cost of funding earning assets | 0.2556% | 3,066 |
| Net interest margin | 3.5312% | 1,780 |
| Noninterest income to average assets | 1.1845% | 813 |
| Noninterest expense to average assets | 2.8750% | 1,178 |
| Loan and lease loss provision to assets | 0.1150% | 1,046 |
| Net operating income to assets | 1.4167% | 1,488 |
| Return on assets (ROA) | 1.4307% | 1,511 |
| Pretax return on assets | 1.4930% | 2,010 |
| Return on Equity (ROE) | 10.8334% | 2,423 |
| Retained earnings to average equity (ytd only) | 5.5823% | 3,007 |
| Net charge-offs to loans | -0.0315% | 4,151 |
| Credit loss provision to net charge-offs | -602.6316% | 3,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3387% | 2,343 |
| Assets per employee ($millions) | 4.9556% | 3,740 |
| Cash dividends to net income (ytd only)* | 48.4721% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4168% | 325 |
| Loan loss allowance to noncurrent loans | 139.4512% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 1.2694% | 452 |
| Noncurrent loans to loans | 1.7331% | 577 |
| Net loans and leases to total assets | 57.8182% | 2,516 |
| Net loans and leases to deposits | 68.6909% | 2,372 |
| Net loans and leases to core deposits | 84.2711% | 1,403 |
| Total domestic deposits to total assets | 84.1717% | 3,414 |
| Equity capital to assets | 13.5614% | 831 |
| Core capital (leverage) ratio | 12.7510% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,312,250 | 2,661 |
| Average earning assets | $246,745,750 | 2,659 |
| Average equity | $35,038,750 | 2,320 |
| Average total loans | $160,690,750 | 2,575 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 2,121 |
| Cost of funding earning assets | 0.2607% | 3,180 |
| Net interest margin | 3.5180% | 1,807 |
| Noninterest income to average assets | 1.1946% | 807 |
| Noninterest expense to average assets | 2.8587% | 1,235 |
| Loan and lease loss provision to assets | 0.1104% | 1,145 |
| Net operating income to assets | 1.4374% | 1,459 |
| Return on assets (ROA) | 1.4583% | 1,468 |
| Pretax return on assets | 1.5214% | 1,955 |
| Return on Equity (ROE) | 11.1407% | 2,377 |
| Retained earnings to average equity (ytd only) | 5.6880% | 2,924 |
| Net charge-offs to loans | 0.1564% | 531 |
| Credit loss provision to net charge-offs | 115.7480% | 1,283 |
| Earnings coverage of net charge-offs (x) | 16.8740% | 1,589 |
| Efficiency ratio | 63.9711% | 2,434 |
| Assets per employee ($millions) | 4.9914% | 3,663 |
| Cash dividends to net income (ytd only)* | 48.9438% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 401 |
| Loan loss allowance to noncurrent loans | 109.0694% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.4881% | 385 |
| Noncurrent loans to loans | 2.0592% | 462 |
| Net loans and leases to total assets | 59.4240% | 2,489 |
| Net loans and leases to deposits | 70.1121% | 2,398 |
| Net loans and leases to core deposits | 84.7962% | 1,507 |
| Total domestic deposits to total assets | 84.7557% | 3,198 |
| Equity capital to assets | 13.0955% | 918 |
| Core capital (leverage) ratio | 12.4690% | 939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $266,200,333 | 2,639 |
| Average earning assets | $247,756,333 | 2,644 |
| Average equity | $34,845,333 | 2,322 |
| Average total loans | $162,380,667 | 2,578 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 2,143 |
| Cost of funding earning assets | 0.3319% | 2,692 |
| Net interest margin | 3.4520% | 1,957 |
| Noninterest income to average assets | 0.9390% | 1,239 |
| Noninterest expense to average assets | 2.4995% | 2,177 |
| Loan and lease loss provision to assets | 0.1134% | 1,220 |
| Net operating income to assets | 1.4929% | 1,351 |
| Return on assets (ROA) | 1.5076% | 1,373 |
| Pretax return on assets | 1.5499% | 1,856 |
| Return on Equity (ROE) | 11.5195% | 2,183 |
| Retained earnings to average equity (ytd only) | 5.9735% | 2,912 |
| Net charge-offs to loans | -0.0940% | 4,618 |
| Credit loss provision to net charge-offs | -197.3684% | 2,958 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2625% | 3,002 |
| Assets per employee ($millions) | 5.3092% | 3,327 |
| Cash dividends to net income (ytd only)* | 48.1444% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3295% | 347 |
| Loan loss allowance to noncurrent loans | 112.4888% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5725% | 382 |
| Noncurrent loans to loans | 2.0709% | 509 |
| Net loans and leases to total assets | 58.4379% | 2,752 |
| Net loans and leases to deposits | 70.8444% | 2,431 |
| Net loans and leases to core deposits | 84.0878% | 1,673 |
| Total domestic deposits to total assets | 82.4878% | 3,802 |
| Equity capital to assets | 12.6867% | 996 |
| Core capital (leverage) ratio | 12.5480% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $264,532,500 | 2,632 |
| Average earning assets | $245,885,000 | 2,640 |
| Average equity | $34,619,500 | 2,327 |
| Average total loans | $161,646,500 | 2,582 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,248 |
| Cost of funding earning assets | 0.5845% | 2,416 |
| Net interest margin | 3.5788% | 2,220 |
| Noninterest income to average assets | 0.8751% | 1,333 |
| Noninterest expense to average assets | 2.6674% | 2,335 |
| Loan and lease loss provision to assets | 0.3120% | 1,194 |
| Net operating income to assets | 1.1738% | 1,639 |
| Return on assets (ROA) | 1.8310% | 390 |
| Pretax return on assets | 1.9118% | 540 |
| Return on Equity (ROE) | 13.0417% | 1,034 |
| Retained earnings to average equity (ytd only) | -2.7133% | 4,748 |
| Net charge-offs to loans | 0.2719% | 632 |
| Credit loss provision to net charge-offs | 184.1121% | 2,247 |
| Earnings coverage of net charge-offs (x) | 9.0818% | 2,545 |
| Efficiency ratio | 63.4096% | 2,911 |
| Assets per employee ($millions) | 4.9672% | 3,424 |
| Cash dividends to net income (ytd only)* | 120.8045% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 368 |
| Loan loss allowance to noncurrent loans | 190.7243% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 1.1723% | 756 |
| Noncurrent loans to loans | 1.1898% | 1,191 |
| Net loans and leases to total assets | 61.0258% | 2,725 |
| Net loans and leases to deposits | 74.9369% | 2,387 |
| Net loans and leases to core deposits | 88.0140% | 1,695 |
| Total domestic deposits to total assets | 81.4363% | 3,777 |
| Equity capital to assets | 13.5067% | 927 |
| Core capital (leverage) ratio | 12.8568% | 935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,534,000 | 2,563 |
| Average earning assets | $235,081,600 | 2,555 |
| Average equity | $35,455,400 | 2,213 |
| Average total loans | $157,424,000 | 2,588 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 1,149 |
| Cost of funding earning assets | 0.6328% | 2,416 |
| Net interest margin | 4.0312% | 1,049 |
| Noninterest income to average assets | 0.8821% | 1,277 |
| Noninterest expense to average assets | 2.6802% | 2,309 |
| Loan and lease loss provision to assets | 0.5004% | 583 |
| Net operating income to assets | 1.3664% | 1,184 |
| Return on assets (ROA) | 2.0115% | 319 |
| Pretax return on assets | 2.1473% | 382 |
| Return on Equity (ROE) | 14.1612% | 851 |
| Retained earnings to average equity (ytd only) | -2.3017% | 4,724 |
| Net charge-offs to loans | 0.2238% | 682 |
| Credit loss provision to net charge-offs | 358.5551% | 1,581 |
| Earnings coverage of net charge-offs (x) | 14.0532% | 2,169 |
| Efficiency ratio | 57.7407% | 3,701 |
| Assets per employee ($millions) | 5.1746% | 3,040 |
| Cash dividends to net income (ytd only)* | 116.2533% | 196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3717% | 275 |
| Loan loss allowance to noncurrent loans | 148.3787% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 1.0370% | 1,052 |
| Noncurrent loans to loans | 1.5984% | 882 |
| Net loans and leases to total assets | 63.3371% | 2,843 |
| Net loans and leases to deposits | 83.0939% | 2,006 |
| Net loans and leases to core deposits | 96.8774% | 1,385 |
| Total domestic deposits to total assets | 76.2235% | 4,402 |
| Equity capital to assets | 13.6811% | 948 |
| Core capital (leverage) ratio | 12.7663% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $251,220,250 | 2,556 |
| Average earning assets | $234,298,750 | 2,548 |
| Average equity | $35,683,500 | 2,179 |
| Average total loans | $156,695,000 | 2,603 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 2,515 |
| Cost of funding earning assets | 0.6922% | 2,433 |
| Net interest margin | 3.5919% | 2,511 |
| Noninterest income to average assets | 0.9119% | 1,137 |
| Noninterest expense to average assets | 2.6480% | 2,529 |
| Loan and lease loss provision to assets | 0.3699% | 1,129 |
| Net operating income to assets | 1.1955% | 1,654 |
| Return on assets (ROA) | 1.5946% | 841 |
| Pretax return on assets | 1.6645% | 1,064 |
| Return on Equity (ROE) | 11.0847% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.9420% | 2,105 |
| Net charge-offs to loans | 0.0131% | 2,497 |
| Credit loss provision to net charge-offs | 4,600.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 201.3000% | 445 |
| Efficiency ratio | 62.0618% | 3,113 |
| Assets per employee ($millions) | 4.7845% | 3,429 |
| Cash dividends to net income (ytd only)* | 46.3944% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2607% | 303 |
| Loan loss allowance to noncurrent loans | 61.7284% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 2.3086% | 269 |
| Noncurrent loans to loans | 3.6624% | 206 |
| Net loans and leases to total assets | 61.6102% | 3,161 |
| Net loans and leases to deposits | 81.6229% | 2,245 |
| Net loans and leases to core deposits | 94.7557% | 1,687 |
| Total domestic deposits to total assets | 75.4815% | 4,478 |
| Equity capital to assets | 14.1692% | 818 |
| Core capital (leverage) ratio | 13.5124% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $248,717,000 | 2,548 |
| Average earning assets | $232,302,333 | 2,538 |
| Average equity | $35,779,000 | 2,171 |
| Average total loans | $152,975,667 | 2,633 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3179% | 2,867 |
| Cost of funding earning assets | 0.7975% | 2,413 |
| Net interest margin | 3.5204% | 2,909 |
| Noninterest income to average assets | 1.0286% | 806 |
| Noninterest expense to average assets | 2.6816% | 2,753 |
| Loan and lease loss provision to assets | 0.2733% | 1,147 |
| Net operating income to assets | 1.3017% | 1,242 |
| Return on assets (ROA) | 1.2969% | 1,349 |
| Pretax return on assets | 1.3515% | 1,711 |
| Return on Equity (ROE) | 8.9421% | 2,134 |
| Retained earnings to average equity (ytd only) | 8.9421% | 992 |
| Net charge-offs to loans | 0.0191% | 1,984 |
| Credit loss provision to net charge-offs | 2,357.1429% | 308 |
| Earnings coverage of net charge-offs (x) | 140.5714% | 452 |
| Efficiency ratio | 62.1975% | 3,478 |
| Assets per employee ($millions) | 4.6128% | 3,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3024% | 328 |
| Loan loss allowance to noncurrent loans | 63.5829% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 2.2239% | 339 |
| Noncurrent loans to loans | 3.6210% | 247 |
| Net loans and leases to total assets | 60.0020% | 3,490 |
| Net loans and leases to deposits | 73.7162% | 3,300 |
| Net loans and leases to core deposits | 94.7893% | 1,905 |
| Total domestic deposits to total assets | 81.3960% | 3,574 |
| Equity capital to assets | 14.4732% | 905 |
| Core capital (leverage) ratio | 14.0651% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $241,501,500 | 2,541 |
| Average earning assets | $225,199,500 | 2,535 |
| Average equity | $35,025,500 | 2,200 |
| Average total loans | $146,525,500 | 2,666 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4895% | 2,982 |
| Cost of funding earning assets | 0.9296% | 2,058 |
| Net interest margin | 3.5599% | 3,252 |
| Noninterest income to average assets | 0.9108% | 1,158 |
| Noninterest expense to average assets | 2.6408% | 3,059 |
| Loan and lease loss provision to assets | 0.2384% | 798 |
| Net operating income to assets | 1.2584% | 1,838 |
| Return on assets (ROA) | 1.4898% | 1,139 |
| Pretax return on assets | 1.5537% | 1,638 |
| Return on Equity (ROE) | 10.1596% | 2,224 |
| Retained earnings to average equity (ytd only) | 3.0531% | 3,501 |
| Net charge-offs to loans | 0.3017% | 692 |
| Credit loss provision to net charge-offs | 126.6515% | 2,013 |
| Earnings coverage of net charge-offs (x) | 8.2392% | 2,790 |
| Efficiency ratio | 62.9974% | 3,220 |
| Assets per employee ($millions) | 3.9754% | 3,928 |
| Cash dividends to net income (ytd only)* | 69.9482% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3093% | 284 |
| Loan loss allowance to noncurrent loans | 63.3397% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2241% | 325 |
| Noncurrent loans to loans | 3.6459% | 217 |
| Net loans and leases to total assets | 58.5273% | 3,721 |
| Net loans and leases to deposits | 71.0224% | 3,589 |
| Net loans and leases to core deposits | 88.1614% | 2,585 |
| Total domestic deposits to total assets | 82.4067% | 3,397 |
| Equity capital to assets | 14.5340% | 919 |
| Core capital (leverage) ratio | 14.4112% | 825 |
| Tier 1 risk-based capital ratio | 22.8664% | 923 |
| Total risk-based capital ratio | 24.1285% | 902 |
| Memoranda: | ||
| Average total assets | $233,188,800 | 2,555 |
| Average earning assets | $214,924,200 | 2,568 |
| Average equity | $34,194,200 | 2,180 |
| Average total loans | $145,504,200 | 2,660 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 2,927 |
| Cost of funding earning assets | 0.9591% | 1,942 |
| Net interest margin | 3.5806% | 3,300 |
| Noninterest income to average assets | 0.8522% | 1,266 |
| Noninterest expense to average assets | 2.6918% | 2,890 |
| Loan and lease loss provision to assets | 0.1852% | 975 |
| Net operating income to assets | 1.2093% | 2,164 |
| Return on assets (ROA) | 1.5118% | 1,216 |
| Pretax return on assets | 1.5814% | 1,698 |
| Return on Equity (ROE) | 10.2866% | 2,312 |
| Retained earnings to average equity (ytd only) | 4.3001% | 3,249 |
| Net charge-offs to loans | 0.2965% | 588 |
| Credit loss provision to net charge-offs | 99.0769% | 2,293 |
| Earnings coverage of net charge-offs (x) | 7.7662% | 2,716 |
| Efficiency ratio | 64.9688% | 2,870 |
| Assets per employee ($millions) | 4.2122% | 3,595 |
| Cash dividends to net income (ytd only)* | 58.1970% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1548% | 357 |
| Loan loss allowance to noncurrent loans | 51.4818% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.7389% | 222 |
| Noncurrent loans to loans | 4.1856% | 158 |
| Net loans and leases to total assets | 63.4614% | 3,341 |
| Net loans and leases to deposits | 77.8969% | 3,102 |
| Net loans and leases to core deposits | 98.8773% | 1,755 |
| Total domestic deposits to total assets | 81.4685% | 3,622 |
| Equity capital to assets | 15.4492% | 739 |
| Core capital (leverage) ratio | 14.7126% | 812 |
| Tier 1 risk-based capital ratio | 22.4743% | 1,016 |
| Total risk-based capital ratio | 23.7344% | 981 |
| Memoranda: | ||
| Average total assets | $231,855,250 | 2,590 |
| Average earning assets | $213,103,750 | 2,603 |
| Average equity | $34,076,000 | 2,202 |
| Average total loans | $146,155,000 | 2,682 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4568% | 3,158 |
| Cost of funding earning assets | 0.9596% | 1,866 |
| Net interest margin | 3.4972% | 3,605 |
| Noninterest income to average assets | 0.8340% | 1,235 |
| Noninterest expense to average assets | 2.6624% | 3,028 |
| Loan and lease loss provision to assets | 0.1346% | 1,375 |
| Net operating income to assets | 1.1971% | 2,160 |
| Return on assets (ROA) | 1.5789% | 991 |
| Pretax return on assets | 1.6492% | 1,396 |
| Return on Equity (ROE) | 10.9249% | 2,010 |
| Retained earnings to average equity (ytd only) | 5.7056% | 2,416 |
| Net charge-offs to loans | 0.2183% | 764 |
| Credit loss provision to net charge-offs | 98.7421% | 2,023 |
| Earnings coverage of net charge-offs (x) | 10.1698% | 2,284 |
| Efficiency ratio | 65.7633% | 2,846 |
| Assets per employee ($millions) | 4.3301% | 3,396 |
| Cash dividends to net income (ytd only)* | 47.7742% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1385% | 365 |
| Loan loss allowance to noncurrent loans | 43.3379% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 3.1626% | 176 |
| Noncurrent loans to loans | 4.9345% | 108 |
| Net loans and leases to total assets | 62.2546% | 3,512 |
| Net loans and leases to deposits | 75.9539% | 3,340 |
| Net loans and leases to core deposits | 95.4989% | 2,119 |
| Total domestic deposits to total assets | 81.9636% | 3,523 |
| Equity capital to assets | 14.8832% | 844 |
| Core capital (leverage) ratio | 14.5177% | 821 |
| Tier 1 risk-based capital ratio | 22.3441% | 1,018 |
| Total risk-based capital ratio | 23.6047% | 994 |
| Memoranda: | ||
| Average total assets | $233,320,000 | 2,590 |
| Average earning assets | $214,459,670 | 2,605 |
| Average equity | $33,721,000 | 2,214 |
| Average total loans | $145,697,000 | 2,704 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 3,245 |
| Cost of funding earning assets | 0.9684% | 1,703 |
| Net interest margin | 3.4266% | 3,818 |
| Noninterest income to average assets | 0.8084% | 1,280 |
| Noninterest expense to average assets | 2.6602% | 3,029 |
| Loan and lease loss provision to assets | 0.1356% | 1,277 |
| Net operating income to assets | 1.1213% | 2,387 |
| Return on assets (ROA) | 1.1756% | 2,198 |
| Pretax return on assets | 1.2271% | 2,707 |
| Return on Equity (ROE) | 8.2577% | 3,138 |
| Retained earnings to average equity (ytd only) | 3.9179% | 3,338 |
| Net charge-offs to loans | 0.0305% | 1,843 |
| Credit loss provision to net charge-offs | 718.1818% | 476 |
| Earnings coverage of net charge-offs (x) | 69.1818% | 850 |
| Efficiency ratio | 67.0705% | 2,786 |
| Assets per employee ($millions) | 4.9129% | 2,627 |
| Cash dividends to net income (ytd only)* | 52.5547% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2483% | 332 |
| Loan loss allowance to noncurrent loans | 53.1633% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.6492% | 270 |
| Noncurrent loans to loans | 4.2291% | 166 |
| Net loans and leases to total assets | 61.2328% | 3,576 |
| Net loans and leases to deposits | 73.9560% | 3,459 |
| Net loans and leases to core deposits | 94.2537% | 2,100 |
| Total domestic deposits to total assets | 82.7963% | 3,461 |
| Equity capital to assets | 14.6074% | 855 |
| Core capital (leverage) ratio | 14.2746% | 872 |
| Tier 1 risk-based capital ratio | 22.5403% | 985 |
| Total risk-based capital ratio | 23.8017% | 959 |
| Memoranda: | ||
| Average total assets | $233,066,500 | 2,615 |
| Average earning assets | $214,792,500 | 2,628 |
| Average equity | $33,181,000 | 2,243 |
| Average total loans | $144,171,000 | 2,749 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2615% | 3,237 |
| Cost of funding earning assets | 0.8833% | 1,160 |
| Net interest margin | 3.3782% | 4,058 |
| Noninterest income to average assets | 0.9290% | 1,110 |
| Noninterest expense to average assets | 2.4275% | 3,807 |
| Loan and lease loss provision to assets | 0.1817% | 1,075 |
| Net operating income to assets | 1.4043% | 1,419 |
| Return on assets (ROA) | 1.4064% | 1,397 |
| Pretax return on assets | 1.4623% | 1,904 |
| Return on Equity (ROE) | 10.0245% | 2,509 |
| Retained earnings to average equity (ytd only) | 4.2339% | 3,223 |
| Net charge-offs to loans | 0.1881% | 1,023 |
| Credit loss provision to net charge-offs | 152.9412% | 1,798 |
| Earnings coverage of net charge-offs (x) | 13.8199% | 2,418 |
| Efficiency ratio | 59.6544% | 3,922 |
| Assets per employee ($millions) | 4.2769% | 3,499 |
| Cash dividends to net income (ytd only)* | 57.7640% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 323 |
| Loan loss allowance to noncurrent loans | 47.5004% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.9486% | 218 |
| Noncurrent loans to loans | 4.6632% | 127 |
| Net loans and leases to total assets | 59.7367% | 3,807 |
| Net loans and leases to deposits | 71.7397% | 3,689 |
| Net loans and leases to core deposits | 90.2718% | 2,556 |
| Total domestic deposits to total assets | 83.2686% | 3,234 |
| Equity capital to assets | 13.8729% | 1,011 |
| Core capital (leverage) ratio | 14.5027% | 797 |
| Tier 1 risk-based capital ratio | 22.3442% | 985 |
| Total risk-based capital ratio | 23.6057% | 957 |
| Memoranda: | ||
| Average total assets | $228,957,400 | 2,621 |
| Average earning assets | $212,836,800 | 2,620 |
| Average equity | $32,121,400 | 2,206 |
| Average total loans | $144,594,400 | 2,716 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 3,244 |
| Cost of funding earning assets | 0.8522% | 1,111 |
| Net interest margin | 3.3692% | 4,106 |
| Noninterest income to average assets | 0.9628% | 1,029 |
| Noninterest expense to average assets | 2.4392% | 3,762 |
| Loan and lease loss provision to assets | 0.1513% | 1,303 |
| Net operating income to assets | 1.4478% | 1,332 |
| Return on assets (ROA) | 1.4500% | 1,328 |
| Pretax return on assets | 1.5157% | 1,850 |
| Return on Equity (ROE) | 10.3060% | 2,477 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,970 |
| Net charge-offs to loans | 0.0037% | 3,337 |
| Credit loss provision to net charge-offs | 6,450.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 710.1764% | 125 |
| Efficiency ratio | 59.4371% | 3,898 |
| Assets per employee ($millions) | 4.1158% | 3,704 |
| Cash dividends to net income (ytd only)* | 46.9067% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 354 |
| Loan loss allowance to noncurrent loans | 51.1650% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.8967% | 261 |
| Noncurrent loans to loans | 4.3253% | 178 |
| Net loans and leases to total assets | 65.4889% | 3,244 |
| Net loans and leases to deposits | 82.0292% | 2,812 |
| Net loans and leases to core deposits | 103.1728% | 1,518 |
| Total domestic deposits to total assets | 79.8360% | 4,151 |
| Equity capital to assets | 14.4902% | 828 |
| Core capital (leverage) ratio | 14.5173% | 817 |
| Tier 1 risk-based capital ratio | 21.4754% | 1,121 |
| Total risk-based capital ratio | 22.7363% | 1,099 |
| Memoranda: | ||
| Average total assets | $227,389,500 | 2,645 |
| Average earning assets | $211,995,250 | 2,635 |
| Average equity | $31,993,500 | 2,219 |
| Average total loans | $144,817,750 | 2,726 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 3,264 |
| Cost of funding earning assets | 0.8262% | 1,020 |
| Net interest margin | 3.3273% | 4,172 |
| Noninterest income to average assets | 0.9804% | 991 |
| Noninterest expense to average assets | 2.4478% | 3,779 |
| Loan and lease loss provision to assets | 0.1449% | 1,321 |
| Net operating income to assets | 1.4299% | 1,340 |
| Return on assets (ROA) | 1.4299% | 1,339 |
| Pretax return on assets | 1.4989% | 1,818 |
| Return on Equity (ROE) | 10.2622% | 2,444 |
| Retained earnings to average equity (ytd only) | 6.1899% | 2,461 |
| Net charge-offs to loans | -0.0181% | 4,523 |
| Credit loss provision to net charge-offs | -1,276.9231% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8250% | 3,962 |
| Assets per employee ($millions) | 5.1150% | 2,278 |
| Cash dividends to net income (ytd only)* | 39.6825% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1901% | 375 |
| Loan loss allowance to noncurrent loans | 51.5948% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 2.7670% | 288 |
| Noncurrent loans to loans | 4.2449% | 199 |
| Net loans and leases to total assets | 62.4561% | 3,547 |
| Net loans and leases to deposits | 75.9376% | 3,343 |
| Net loans and leases to core deposits | 93.5754% | 2,258 |
| Total domestic deposits to total assets | 82.2466% | 3,645 |
| Equity capital to assets | 13.9984% | 929 |
| Core capital (leverage) ratio | 14.0507% | 901 |
| Tier 1 risk-based capital ratio | 21.3921% | 1,110 |
| Total risk-based capital ratio | 22.6528% | 1,089 |
| Memoranda: | ||
| Average total assets | $229,101,670 | 2,646 |
| Average earning assets | $214,227,330 | 2,632 |
| Average equity | $31,923,000 | 2,229 |
| Average total loans | $143,475,330 | 2,756 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 3,336 |
| Cost of funding earning assets | 0.7868% | 1,010 |
| Net interest margin | 3.2834% | 4,231 |
| Noninterest income to average assets | 0.9013% | 1,144 |
| Noninterest expense to average assets | 2.5043% | 3,629 |
| Loan and lease loss provision to assets | 0.1470% | 1,250 |
| Net operating income to assets | 1.2705% | 1,742 |
| Return on assets (ROA) | 1.2705% | 1,749 |
| Pretax return on assets | 1.3318% | 2,243 |
| Return on Equity (ROE) | 9.1395% | 2,839 |
| Retained earnings to average equity (ytd only) | 4.7334% | 3,292 |
| Net charge-offs to loans | 0.0480% | 1,633 |
| Credit loss provision to net charge-offs | 494.1176% | 609 |
| Earnings coverage of net charge-offs (x) | 49.7059% | 946 |
| Efficiency ratio | 62.8735% | 3,654 |
| Assets per employee ($millions) | 4.5343% | 3,106 |
| Cash dividends to net income (ytd only)* | 48.2094% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 390 |
| Loan loss allowance to noncurrent loans | 43.7157% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 3.2684% | 227 |
| Noncurrent loans to loans | 5.0237% | 151 |
| Net loans and leases to total assets | 61.0120% | 3,647 |
| Net loans and leases to deposits | 74.5907% | 3,358 |
| Net loans and leases to core deposits | 94.0481% | 2,132 |
| Total domestic deposits to total assets | 81.7957% | 4,017 |
| Equity capital to assets | 13.9774% | 898 |
| Core capital (leverage) ratio | 13.8328% | 907 |
| Tier 1 risk-based capital ratio | 22.5788% | 984 |
| Total risk-based capital ratio | 23.8404% | 963 |
| Memoranda: | ||
| Average total assets | $228,564,500 | 2,671 |
| Average earning assets | $214,533,000 | 2,653 |
| Average equity | $31,774,000 | 2,253 |
| Average total loans | $141,724,000 | 2,791 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9868% | 3,445 |
| Cost of funding earning assets | 0.6767% | 1,151 |
| Net interest margin | 3.3101% | 4,126 |
| Noninterest income to average assets | 0.9529% | 1,133 |
| Noninterest expense to average assets | 2.4142% | 4,040 |
| Loan and lease loss provision to assets | 0.2482% | 759 |
| Net operating income to assets | 1.3282% | 1,168 |
| Return on assets (ROA) | 1.4551% | 906 |
| Pretax return on assets | 1.5207% | 1,558 |
| Return on Equity (ROE) | 10.3338% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.1842% | 2,656 |
| Net charge-offs to loans | 0.1596% | 1,528 |
| Credit loss provision to net charge-offs | 247.1111% | 1,116 |
| Earnings coverage of net charge-offs (x) | 16.2978% | 2,190 |
| Efficiency ratio | 59.5967% | 4,320 |
| Assets per employee ($millions) | 4.6083% | 3,015 |
| Cash dividends to net income (ytd only)* | 59.5092% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 412 |
| Loan loss allowance to noncurrent loans | 39.0216% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 3.4560% | 196 |
| Noncurrent loans to loans | 5.4838% | 110 |
| Net loans and leases to total assets | 60.3173% | 3,799 |
| Net loans and leases to deposits | 73.9222% | 3,525 |
| Net loans and leases to core deposits | 90.9697% | 2,470 |
| Total domestic deposits to total assets | 81.5957% | 3,970 |
| Equity capital to assets | 13.8269% | 957 |
| Core capital (leverage) ratio | 13.7918% | 890 |
| Tier 1 risk-based capital ratio | 22.3232% | 982 |
| Total risk-based capital ratio | 23.5841% | 956 |
| Memoranda: | ||
| Average total assets | $224,046,600 | 2,692 |
| Average earning assets | $209,693,800 | 2,670 |
| Average equity | $31,547,000 | 2,248 |
| Average total loans | $140,966,200 | 2,764 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,529 |
| Cost of funding earning assets | 0.6531% | 1,215 |
| Net interest margin | 3.2936% | 4,192 |
| Noninterest income to average assets | 0.9841% | 1,061 |
| Noninterest expense to average assets | 2.4082% | 3,997 |
| Loan and lease loss provision to assets | 0.2799% | 583 |
| Net operating income to assets | 1.3185% | 1,276 |
| Return on assets (ROA) | 1.4313% | 1,040 |
| Pretax return on assets | 1.4936% | 1,790 |
| Return on Equity (ROE) | 10.1176% | 2,077 |
| Retained earnings to average equity (ytd only) | 4.5674% | 3,170 |
| Net charge-offs to loans | -0.0673% | 5,258 |
| Credit loss provision to net charge-offs | -657.7465% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2538% | 4,321 |
| Assets per employee ($millions) | 4.6736% | 2,868 |
| Cash dividends to net income (ytd only)* | 54.8575% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2067% | 397 |
| Loan loss allowance to noncurrent loans | 43.9615% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 3.2924% | 254 |
| Noncurrent loans to loans | 5.0195% | 163 |
| Net loans and leases to total assets | 64.1448% | 3,377 |
| Net loans and leases to deposits | 80.1892% | 2,954 |
| Net loans and leases to core deposits | 97.4628% | 1,932 |
| Total domestic deposits to total assets | 79.9918% | 4,316 |
| Equity capital to assets | 14.3180% | 908 |
| Core capital (leverage) ratio | 13.9863% | 894 |
| Tier 1 risk-based capital ratio | 21.4450% | 1,123 |
| Total risk-based capital ratio | 22.7071% | 1,102 |
| Memoranda: | ||
| Average total assets | $222,455,000 | 2,729 |
| Average earning assets | $208,032,000 | 2,703 |
| Average equity | $31,469,000 | 2,268 |
| Average total loans | $140,703,250 | 2,790 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,584 |
| Cost of funding earning assets | 0.6207% | 1,329 |
| Net interest margin | 3.2693% | 4,210 |
| Noninterest income to average assets | 1.0531% | 915 |
| Noninterest expense to average assets | 2.4163% | 4,005 |
| Loan and lease loss provision to assets | 0.3381% | 434 |
| Net operating income to assets | 1.2989% | 1,303 |
| Return on assets (ROA) | 1.3794% | 1,138 |
| Pretax return on assets | 1.4407% | 1,855 |
| Return on Equity (ROE) | 9.7914% | 2,131 |
| Retained earnings to average equity (ytd only) | 4.7997% | 2,850 |
| Net charge-offs to loans | -0.1689% | 5,553 |
| Credit loss provision to net charge-offs | -320.5128% | 4,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7719% | 4,496 |
| Assets per employee ($millions) | 4.4391% | 3,215 |
| Cash dividends to net income (ytd only)* | 50.9804% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3083% | 372 |
| Loan loss allowance to noncurrent loans | 40.9387% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 3.5947% | 215 |
| Noncurrent loans to loans | 5.6384% | 116 |
| Net loans and leases to total assets | 62.2817% | 3,596 |
| Net loans and leases to deposits | 78.7990% | 3,037 |
| Net loans and leases to core deposits | 97.9757% | 1,812 |
| Total domestic deposits to total assets | 79.0387% | 4,613 |
| Equity capital to assets | 14.7199% | 761 |
| Core capital (leverage) ratio | 14.1923% | 805 |
| Tier 1 risk-based capital ratio | 22.2855% | 1,018 |
| Total risk-based capital ratio | 23.5486% | 997 |
| Memoranda: | ||
| Average total assets | $221,829,000 | 2,752 |
| Average earning assets | $207,503,330 | 2,727 |
| Average equity | $31,252,000 | 2,270 |
| Average total loans | $138,556,000 | 2,828 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,450 |
| Cost of funding earning assets | 0.5699% | 1,584 |
| Net interest margin | 3.3141% | 3,960 |
| Noninterest income to average assets | 0.8929% | 1,266 |
| Noninterest expense to average assets | 2.3805% | 4,177 |
| Loan and lease loss provision to assets | 0.4197% | 262 |
| Net operating income to assets | 1.1393% | 1,713 |
| Return on assets (ROA) | 1.2233% | 1,486 |
| Pretax return on assets | 1.2751% | 2,331 |
| Return on Equity (ROE) | 8.8762% | 2,473 |
| Retained earnings to average equity (ytd only) | 3.6930% | 3,596 |
| Net charge-offs to loans | -0.4274% | 5,729 |
| Credit loss provision to net charge-offs | -158.7838% | 4,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6955% | 4,496 |
| Assets per employee ($millions) | 4.4469% | 3,258 |
| Cash dividends to net income (ytd only)* | 58.3942% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 442 |
| Loan loss allowance to noncurrent loans | 37.2082% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 3.8348% | 203 |
| Noncurrent loans to loans | 6.0392% | 113 |
| Net loans and leases to total assets | 61.7301% | 3,576 |
| Net loans and leases to deposits | 84.9177% | 2,167 |
| Net loans and leases to core deposits | 102.3598% | 1,341 |
| Total domestic deposits to total assets | 72.6940% | 5,507 |
| Equity capital to assets | 14.3003% | 816 |
| Core capital (leverage) ratio | 13.6009% | 943 |
| Tier 1 risk-based capital ratio | 21.7862% | 1,110 |
| Total risk-based capital ratio | 23.0480% | 1,080 |
| Memoranda: | ||
| Average total assets | $223,986,000 | 2,759 |
| Average earning assets | $209,166,000 | 2,732 |
| Average equity | $30,869,000 | 2,305 |
| Average total loans | $138,497,500 | 2,840 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 3,598 |
| Cost of funding earning assets | 0.5367% | 1,813 |
| Net interest margin | 3.3543% | 3,984 |
| Noninterest income to average assets | 0.8636% | 1,524 |
| Noninterest expense to average assets | 2.3372% | 4,463 |
| Loan and lease loss provision to assets | 0.4791% | 292 |
| Net operating income to assets | 1.1490% | 1,697 |
| Return on assets (ROA) | 1.2574% | 1,417 |
| Pretax return on assets | 1.3103% | 2,245 |
| Return on Equity (ROE) | 9.1080% | 2,366 |
| Retained earnings to average equity (ytd only) | 4.2593% | 2,877 |
| Net charge-offs to loans | 0.3844% | 697 |
| Credit loss provision to net charge-offs | 204.6729% | 1,380 |
| Earnings coverage of net charge-offs (x) | 7.1626% | 3,063 |
| Efficiency ratio | 58.2298% | 4,820 |
| Assets per employee ($millions) | 4.6015% | 2,956 |
| Cash dividends to net income (ytd only)* | 53.2359% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 735 |
| Loan loss allowance to noncurrent loans | 33.3333% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.5523% | 244 |
| Noncurrent loans to loans | 5.8302% | 109 |
| Net loans and leases to total assets | 59.4093% | 3,918 |
| Net loans and leases to deposits | 75.2117% | 3,392 |
| Net loans and leases to core deposits | 86.5792% | 2,806 |
| Total domestic deposits to total assets | 78.9895% | 4,802 |
| Equity capital to assets | 13.2904% | 1,140 |
| Core capital (leverage) ratio | 13.0689% | 1,109 |
| Tier 1 risk-based capital ratio | 21.1280% | 1,187 |
| Total risk-based capital ratio | 22.3859% | 1,172 |
| Memoranda: | ||
| Average total assets | $228,565,000 | 2,680 |
| Average earning assets | $214,648,200 | 2,651 |
| Average equity | $31,554,600 | 2,250 |
| Average total loans | $139,181,000 | 2,792 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9091% | 3,554 |
| Cost of funding earning assets | 0.5496% | 1,694 |
| Net interest margin | 3.3595% | 3,997 |
| Noninterest income to average assets | 0.8630% | 1,536 |
| Noninterest expense to average assets | 2.3927% | 4,301 |
| Loan and lease loss provision to assets | 0.4984% | 251 |
| Net operating income to assets | 1.0870% | 2,055 |
| Return on assets (ROA) | 1.2317% | 1,616 |
| Pretax return on assets | 1.2837% | 2,495 |
| Return on Equity (ROE) | 8.8387% | 2,582 |
| Retained earnings to average equity (ytd only) | 6.8261% | 1,709 |
| Net charge-offs to loans | 0.4111% | 523 |
| Credit loss provision to net charge-offs | 198.8345% | 1,448 |
| Earnings coverage of net charge-offs (x) | 6.5081% | 2,995 |
| Efficiency ratio | 59.4599% | 4,620 |
| Assets per employee ($millions) | 4.6322% | 2,865 |
| Cash dividends to net income (ytd only)* | 22.7702% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 999 |
| Loan loss allowance to noncurrent loans | 32.1028% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 3.5413% | 279 |
| Noncurrent loans to loans | 5.6357% | 131 |
| Net loans and leases to total assets | 61.5475% | 3,686 |
| Net loans and leases to deposits | 80.2673% | 2,925 |
| Net loans and leases to core deposits | 94.1685% | 2,183 |
| Total domestic deposits to total assets | 76.6782% | 5,138 |
| Equity capital to assets | 14.4399% | 892 |
| Core capital (leverage) ratio | 13.2196% | 1,102 |
| Tier 1 risk-based capital ratio | 20.9285% | 1,284 |
| Total risk-based capital ratio | 22.1849% | 1,265 |
| Memoranda: | ||
| Average total assets | $228,187,500 | 2,689 |
| Average earning assets | $214,706,500 | 2,661 |
| Average equity | $31,798,750 | 2,255 |
| Average total loans | $139,127,500 | 2,799 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 3,689 |
| Cost of funding earning assets | 0.5687% | 1,557 |
| Net interest margin | 3.3035% | 4,221 |
| Noninterest income to average assets | 0.8583% | 1,513 |
| Noninterest expense to average assets | 2.3693% | 4,428 |
| Loan and lease loss provision to assets | 0.4646% | 298 |
| Net operating income to assets | 1.0890% | 1,996 |
| Return on assets (ROA) | 1.2083% | 1,668 |
| Pretax return on assets | 1.2590% | 2,568 |
| Return on Equity (ROE) | 8.7757% | 2,594 |
| Retained earnings to average equity (ytd only) | 5.7255% | 2,281 |
| Net charge-offs to loans | 0.0377% | 2,706 |
| Credit loss provision to net charge-offs | 2,042.3077% | 200 |
| Earnings coverage of net charge-offs (x) | 70.3077% | 772 |
| Efficiency ratio | 59.7002% | 4,679 |
| Assets per employee ($millions) | 4.6563% | 2,787 |
| Cash dividends to net income (ytd only)* | 34.7574% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 900 |
| Loan loss allowance to noncurrent loans | 34.0868% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 3.3529% | 333 |
| Noncurrent loans to loans | 5.5671% | 142 |
| Net loans and leases to total assets | 58.9322% | 4,018 |
| Net loans and leases to deposits | 75.9257% | 3,395 |
| Net loans and leases to core deposits | 89.3761% | 2,594 |
| Total domestic deposits to total assets | 77.6183% | 5,066 |
| Equity capital to assets | 14.0206% | 1,014 |
| Core capital (leverage) ratio | 12.9256% | 1,180 |
| Tier 1 risk-based capital ratio | 20.6673% | 1,314 |
| Total risk-based capital ratio | 21.9246% | 1,295 |
| Memoranda: | ||
| Average total assets | $228,591,330 | 2,691 |
| Average earning assets | $215,227,000 | 2,664 |
| Average equity | $31,473,330 | 2,275 |
| Average total loans | $138,079,330 | 2,820 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,230 |
| Cost of funding earning assets | 0.5946% | 1,367 |
| Net interest margin | 3.4027% | 3,858 |
| Noninterest income to average assets | 0.8884% | 1,344 |
| Noninterest expense to average assets | 2.4656% | 4,179 |
| Loan and lease loss provision to assets | 0.5334% | 219 |
| Net operating income to assets | 1.0491% | 2,086 |
| Return on assets (ROA) | 1.0491% | 2,196 |
| Pretax return on assets | 1.0933% | 3,119 |
| Return on Equity (ROE) | 7.6921% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.6921% | 1,594 |
| Net charge-offs to loans | -0.0233% | 4,941 |
| Credit loss provision to net charge-offs | -3,775.0000% | 4,987 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2503% | 4,711 |
| Assets per employee ($millions) | 4.6001% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 1,171 |
| Loan loss allowance to noncurrent loans | 172.6826% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 2,919 |
| Noncurrent loans to loans | 1.0373% | 2,313 |
| Net loans and leases to total assets | 59.8119% | 3,803 |
| Net loans and leases to deposits | 78.8964% | 2,906 |
| Net loans and leases to core deposits | 89.5052% | 2,417 |
| Total domestic deposits to total assets | 75.8107% | 5,424 |
| Equity capital to assets | 13.9589% | 995 |
| Core capital (leverage) ratio | 12.7917% | 1,240 |
| Tier 1 risk-based capital ratio | 21.0974% | 1,307 |
| Total risk-based capital ratio | 22.3538% | 1,275 |
| Memoranda: | ||
| Average total assets | $226,479,500 | 2,720 |
| Average earning assets | $213,243,500 | 2,690 |
| Average equity | $30,889,000 | 2,313 |
| Average total loans | $137,190,500 | 2,836 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,247 |
| Cost of funding earning assets | 0.5774% | 1,525 |
| Net interest margin | 3.4403% | 3,757 |
| Noninterest income to average assets | 0.8336% | 1,664 |
| Noninterest expense to average assets | 2.4601% | 4,357 |
| Loan and lease loss provision to assets | 0.3376% | 462 |
| Net operating income to assets | 1.2169% | 1,492 |
| Return on assets (ROA) | 1.3930% | 1,093 |
| Pretax return on assets | 1.4552% | 1,697 |
| Return on Equity (ROE) | 10.9690% | 1,627 |
| Retained earnings to average equity (ytd only) | 7.4679% | 1,107 |
| Net charge-offs to loans | 0.9698% | 211 |
| Credit loss provision to net charge-offs | 59.0634% | 3,278 |
| Earnings coverage of net charge-offs (x) | 2.8157% | 3,821 |
| Efficiency ratio | 60.4540% | 4,852 |
| Assets per employee ($millions) | 4.4618% | 3,104 |
| Cash dividends to net income (ytd only)* | 31.9182% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 1,730 |
| Loan loss allowance to noncurrent loans | 175.6536% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,173 |
| Noncurrent loans to loans | 0.8928% | 2,563 |
| Net loans and leases to total assets | 59.3059% | 3,932 |
| Net loans and leases to deposits | 77.0363% | 3,155 |
| Net loans and leases to core deposits | 88.5919% | 2,545 |
| Total domestic deposits to total assets | 76.9844% | 5,315 |
| Equity capital to assets | 13.3217% | 1,200 |
| Core capital (leverage) ratio | 12.5202% | 1,339 |
| Tier 1 risk-based capital ratio | 20.6404% | 1,362 |
| Total risk-based capital ratio | 21.8945% | 1,334 |
| Memoranda: | ||
| Average total assets | $231,653,400 | 2,648 |
| Average earning assets | $217,889,400 | 2,605 |
| Average equity | $29,419,200 | 2,359 |
| Average total loans | $136,517,600 | 2,773 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,340 |
| Cost of funding earning assets | 0.5764% | 1,571 |
| Net interest margin | 3.4245% | 3,859 |
| Noninterest income to average assets | 0.8160% | 1,747 |
| Noninterest expense to average assets | 2.5282% | 4,108 |
| Loan and lease loss provision to assets | 0.1834% | 1,131 |
| Net operating income to assets | 1.2716% | 1,420 |
| Return on assets (ROA) | 1.5059% | 949 |
| Pretax return on assets | 1.5689% | 1,483 |
| Return on Equity (ROE) | 12.0015% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.8458% | 1,307 |
| Net charge-offs to loans | 0.1594% | 1,550 |
| Credit loss provision to net charge-offs | 196.3190% | 1,357 |
| Earnings coverage of net charge-offs (x) | 16.1471% | 2,136 |
| Efficiency ratio | 62.6349% | 4,470 |
| Assets per employee ($millions) | 4.5008% | 3,007 |
| Cash dividends to net income (ytd only)* | 34.6270% | 2,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0250% | 885 |
| Loan loss allowance to noncurrent loans | 116.4283% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0835% | 2,191 |
| Noncurrent loans to loans | 1.7393% | 1,379 |
| Net loans and leases to total assets | 60.0504% | 3,879 |
| Net loans and leases to deposits | 80.6130% | 2,808 |
| Net loans and leases to core deposits | 95.6253% | 1,919 |
| Total domestic deposits to total assets | 74.4922% | 5,665 |
| Equity capital to assets | 13.0965% | 1,398 |
| Core capital (leverage) ratio | 12.2196% | 1,554 |
| Tier 1 risk-based capital ratio | 19.7981% | 1,604 |
| Total risk-based capital ratio | 21.0572% | 1,559 |
| Memoranda: | ||
| Average total assets | $232,678,250 | 2,665 |
| Average earning assets | $218,810,250 | 2,614 |
| Average equity | $29,195,500 | 2,393 |
| Average total loans | $136,371,250 | 2,793 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9501% | 3,489 |
| Cost of funding earning assets | 0.5721% | 1,628 |
| Net interest margin | 3.3780% | 3,975 |
| Noninterest income to average assets | 0.8258% | 1,673 |
| Noninterest expense to average assets | 2.5380% | 4,107 |
| Loan and lease loss provision to assets | 0.1309% | 1,687 |
| Net operating income to assets | 1.2808% | 1,378 |
| Return on assets (ROA) | 1.5026% | 939 |
| Pretax return on assets | 1.5660% | 1,436 |
| Return on Equity (ROE) | 12.1494% | 1,329 |
| Retained earnings to average equity (ytd only) | 7.2371% | 1,600 |
| Net charge-offs to loans | 0.1393% | 1,665 |
| Credit loss provision to net charge-offs | 162.7660% | 1,453 |
| Earnings coverage of net charge-offs (x) | 18.2234% | 1,813 |
| Efficiency ratio | 63.3896% | 4,449 |
| Assets per employee ($millions) | 4.6392% | 2,764 |
| Cash dividends to net income (ytd only)* | 40.4328% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 1,059 |
| Loan loss allowance to noncurrent loans | 105.6879% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1390% | 2,234 |
| Noncurrent loans to loans | 1.8513% | 1,368 |
| Net loans and leases to total assets | 59.4073% | 3,918 |
| Net loans and leases to deposits | 77.0138% | 3,161 |
| Net loans and leases to core deposits | 87.7701% | 2,574 |
| Total domestic deposits to total assets | 77.1385% | 5,437 |
| Equity capital to assets | 12.4798% | 1,671 |
| Core capital (leverage) ratio | 11.8696% | 1,733 |
| Tier 1 risk-based capital ratio | 20.0471% | 1,531 |
| Total risk-based capital ratio | 21.3066% | 1,501 |
| Memoranda: | ||
| Average total assets | $233,723,670 | 2,671 |
| Average earning assets | $219,893,670 | 2,624 |
| Average equity | $28,906,670 | 2,426 |
| Average total loans | $134,931,670 | 2,829 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 3,763 |
| Cost of funding earning assets | 0.5784% | 1,590 |
| Net interest margin | 3.2873% | 4,273 |
| Noninterest income to average assets | 0.8065% | 1,691 |
| Noninterest expense to average assets | 2.5404% | 4,137 |
| Loan and lease loss provision to assets | 0.1159% | 1,780 |
| Net operating income to assets | 1.1882% | 1,585 |
| Return on assets (ROA) | 1.4714% | 962 |
| Pretax return on assets | 1.5362% | 1,433 |
| Return on Equity (ROE) | 11.9504% | 1,363 |
| Retained earnings to average equity (ytd only) | 5.7190% | 2,650 |
| Net charge-offs to loans | 0.0030% | 3,218 |
| Credit loss provision to net charge-offs | 6,800.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 796.0000% | 54 |
| Efficiency ratio | 65.1794% | 4,290 |
| Assets per employee ($millions) | 4.4664% | 3,105 |
| Cash dividends to net income (ytd only)* | 52.1437% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0751% | 955 |
| Loan loss allowance to noncurrent loans | 140.3357% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.8637% | 2,924 |
| Noncurrent loans to loans | 1.4787% | 1,914 |
| Net loans and leases to total assets | 56.0585% | 4,193 |
| Net loans and leases to deposits | 72.8327% | 3,453 |
| Net loans and leases to core deposits | 83.6420% | 2,812 |
| Total domestic deposits to total assets | 76.9687% | 5,614 |
| Equity capital to assets | 12.5948% | 1,633 |
| Core capital (leverage) ratio | 11.4306% | 2,055 |
| Tier 1 risk-based capital ratio | 27.4186% | 684 |
| Total risk-based capital ratio | 28.6958% | 663 |
| Memoranda: | ||
| Average total assets | $234,606,500 | 2,678 |
| Average earning assets | $220,609,000 | 2,636 |
| Average equity | $28,886,000 | 2,438 |
| Average total loans | $132,122,500 | 2,879 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 4,122 |
| Cost of funding earning assets | 0.6126% | 1,655 |
| Net interest margin | 3.2869% | 4,631 |
| Noninterest income to average assets | 0.7980% | 1,885 |
| Noninterest expense to average assets | 2.4069% | 4,826 |
| Loan and lease loss provision to assets | 0.1703% | 1,526 |
| Net operating income to assets | 1.2686% | 1,376 |
| Return on assets (ROA) | 1.4202% | 1,067 |
| Pretax return on assets | 1.4779% | 1,625 |
| Return on Equity (ROE) | 12.3965% | 1,296 |
| Retained earnings to average equity (ytd only) | 9.1844% | 664 |
| Net charge-offs to loans | 0.6058% | 654 |
| Credit loss provision to net charge-offs | 52.2996% | 3,437 |
| Earnings coverage of net charge-offs (x) | 4.5769% | 3,619 |
| Efficiency ratio | 61.7589% | 4,943 |
| Assets per employee ($millions) | 4.4709% | 3,083 |
| Cash dividends to net income (ytd only)* | 25.9114% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0505% | 1,023 |
| Loan loss allowance to noncurrent loans | 276.6701% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.4275% | 4,394 |
| Noncurrent loans to loans | 0.7411% | 3,467 |
| Net loans and leases to total assets | 54.2693% | 4,549 |
| Net loans and leases to deposits | 70.5045% | 3,842 |
| Net loans and leases to core deposits | 79.0674% | 3,401 |
| Total domestic deposits to total assets | 76.9728% | 5,605 |
| Equity capital to assets | 12.0358% | 1,998 |
| Core capital (leverage) ratio | 11.5516% | 1,941 |
| Tier 1 risk-based capital ratio | 19.5355% | 1,713 |
| Total risk-based capital ratio | 20.7943% | 1,673 |
| Memoranda: | ||
| Average total assets | $233,702,200 | 2,667 |
| Average earning assets | $220,360,000 | 2,620 |
| Average equity | $26,773,600 | 2,509 |
| Average total loans | $125,615,600 | 2,948 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 4,178 |
| Cost of funding earning assets | 0.6140% | 1,728 |
| Net interest margin | 3.2859% | 4,659 |
| Noninterest income to average assets | 0.7998% | 1,895 |
| Noninterest expense to average assets | 2.4246% | 4,745 |
| Loan and lease loss provision to assets | 0.1603% | 1,555 |
| Net operating income to assets | 1.2634% | 1,483 |
| Return on assets (ROA) | 1.4662% | 1,034 |
| Pretax return on assets | 1.5297% | 1,543 |
| Return on Equity (ROE) | 12.9650% | 1,227 |
| Retained earnings to average equity (ytd only) | 10.0287% | 703 |
| Net charge-offs to loans | 0.6581% | 541 |
| Credit loss provision to net charge-offs | 45.6770% | 3,183 |
| Earnings coverage of net charge-offs (x) | 4.2137% | 3,514 |
| Efficiency ratio | 62.1150% | 4,867 |
| Assets per employee ($millions) | 4.3426% | 3,222 |
| Cash dividends to net income (ytd only)* | 22.6473% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0906% | 1,100 |
| Loan loss allowance to noncurrent loans | 269.4059% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.4705% | 4,488 |
| Noncurrent loans to loans | 0.7760% | 3,643 |
| Net loans and leases to total assets | 55.3663% | 4,412 |
| Net loans and leases to deposits | 75.7506% | 3,205 |
| Net loans and leases to core deposits | 86.8052% | 2,571 |
| Total domestic deposits to total assets | 73.0902% | 6,088 |
| Equity capital to assets | 12.0343% | 2,027 |
| Core capital (leverage) ratio | 11.2498% | 2,262 |
| Tier 1 risk-based capital ratio | 15.8029% | 3,159 |
| Total risk-based capital ratio | 17.0579% | 3,100 |
| Memoranda: | ||
| Average total assets | $232,888,000 | 2,689 |
| Average earning assets | $219,967,000 | 2,639 |
| Average equity | $26,337,000 | 2,546 |
| Average total loans | $124,197,500 | 2,988 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 4,423 |
| Cost of funding earning assets | 0.6119% | 1,799 |
| Net interest margin | 3.2150% | 4,896 |
| Noninterest income to average assets | 0.8024% | 1,829 |
| Noninterest expense to average assets | 2.4072% | 4,860 |
| Loan and lease loss provision to assets | 0.1625% | 1,520 |
| Net operating income to assets | 1.2219% | 1,523 |
| Return on assets (ROA) | 1.4756% | 951 |
| Pretax return on assets | 1.5398% | 1,430 |
| Return on Equity (ROE) | 13.3290% | 1,087 |
| Retained earnings to average equity (ytd only) | 10.7019% | 584 |
| Net charge-offs to loans | 0.9426% | 381 |
| Credit loss provision to net charge-offs | 32.9861% | 3,015 |
| Earnings coverage of net charge-offs (x) | 2.9184% | 3,434 |
| Efficiency ratio | 62.6029% | 4,928 |
| Assets per employee ($millions) | 4.3113% | 3,254 |
| Cash dividends to net income (ytd only)* | 19.7101% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 1,129 |
| Loan loss allowance to noncurrent loans | 55.1012% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 1,472 |
| Noncurrent loans to loans | 3.8621% | 633 |
| Net loans and leases to total assets | 52.7065% | 4,671 |
| Net loans and leases to deposits | 69.5946% | 3,872 |
| Net loans and leases to core deposits | 78.8461% | 3,337 |
| Total domestic deposits to total assets | 75.7337% | 5,946 |
| Equity capital to assets | 11.5550% | 2,371 |
| Core capital (leverage) ratio | 10.8533% | 2,576 |
| Tier 1 risk-based capital ratio | 19.3232% | 1,847 |
| Total risk-based capital ratio | 20.5723% | 1,807 |
| Memoranda: | ||
| Average total assets | $233,798,000 | 2,693 |
| Average earning assets | $221,277,330 | 2,632 |
| Average equity | $25,883,330 | 2,576 |
| Average total loans | $122,213,000 | 3,023 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,667 |
| Cost of funding earning assets | 0.6082% | 1,910 |
| Net interest margin | 3.1419% | 5,115 |
| Noninterest income to average assets | 0.7973% | 1,761 |
| Noninterest expense to average assets | 2.4107% | 4,897 |
| Loan and lease loss provision to assets | 0.1417% | 1,720 |
| Net operating income to assets | 1.1746% | 1,551 |
| Return on assets (ROA) | 1.5843% | 713 |
| Pretax return on assets | 1.6526% | 1,069 |
| Return on Equity (ROE) | 14.6289% | 836 |
| Retained earnings to average equity (ytd only) | 12.5796% | 536 |
| Net charge-offs to loans | 1.8635% | 146 |
| Credit loss provision to net charge-offs | 14.7687% | 2,564 |
| Earnings coverage of net charge-offs (x) | 1.4253% | 3,100 |
| Efficiency ratio | 63.8048% | 4,887 |
| Assets per employee ($millions) | 4.4449% | 3,063 |
| Cash dividends to net income (ytd only)* | 14.0086% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1641% | 1,217 |
| Loan loss allowance to noncurrent loans | 253.1957% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 4,722 |
| Noncurrent loans to loans | 0.8547% | 3,757 |
| Net loans and leases to total assets | 50.3665% | 4,867 |
| Net loans and leases to deposits | 66.0033% | 4,095 |
| Net loans and leases to core deposits | 74.8947% | 3,541 |
| Total domestic deposits to total assets | 76.3090% | 6,046 |
| Equity capital to assets | 11.3103% | 2,408 |
| Core capital (leverage) ratio | 10.4938% | 2,942 |
| Tier 1 risk-based capital ratio | 19.8096% | 1,763 |
| Total risk-based capital ratio | 21.0558% | 1,734 |
| Memoranda: | ||
| Average total assets | $234,293,000 | 2,700 |
| Average earning assets | $222,285,500 | 2,632 |
| Average equity | $25,374,500 | 2,614 |
| Average total loans | $120,633,000 | 3,061 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 4,923 |
| Cost of funding earning assets | 0.6421% | 2,277 |
| Net interest margin | 3.1230% | 5,251 |
| Noninterest income to average assets | 0.7778% | 2,175 |
| Noninterest expense to average assets | 2.3692% | 5,164 |
| Loan and lease loss provision to assets | 0.1026% | 3,086 |
| Net operating income to assets | 1.1974% | 1,575 |
| Return on assets (ROA) | 1.2487% | 1,453 |
| Pretax return on assets | 1.3036% | 2,131 |
| Return on Equity (ROE) | 11.7407% | 1,508 |
| Retained earnings to average equity (ytd only) | 8.7889% | 822 |
| Net charge-offs to loans | 0.4637% | 1,433 |
| Credit loss provision to net charge-offs | 43.2030% | 3,973 |
| Earnings coverage of net charge-offs (x) | 5.6965% | 3,236 |
| Efficiency ratio | 63.6569% | 4,964 |
| Assets per employee ($millions) | 4.5664% | 2,784 |
| Cash dividends to net income (ytd only)* | 25.1416% | 3,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4976% | 828 |
| Loan loss allowance to noncurrent loans | 299.7056% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 4,860 |
| Noncurrent loans to loans | 0.8334% | 3,897 |
| Net loans and leases to total assets | 50.2093% | 5,060 |
| Net loans and leases to deposits | 64.7002% | 4,441 |
| Net loans and leases to core deposits | 72.7675% | 3,980 |
| Total domestic deposits to total assets | 77.6031% | 5,886 |
| Equity capital to assets | 10.3629% | 3,328 |
| Core capital (leverage) ratio | 10.6182% | 2,763 |
| Tier 1 risk-based capital ratio | 18.5184% | 2,074 |
| Total risk-based capital ratio | 19.7670% | 2,042 |
| Memoranda: | ||
| Average total assets | $226,147,800 | 2,754 |
| Average earning assets | $213,193,600 | 2,687 |
| Average equity | $24,053,000 | 2,726 |
| Average total loans | $115,795,800 | 3,133 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7532% | 5,024 |
| Cost of funding earning assets | 0.6465% | 2,390 |
| Net interest margin | 3.1067% | 5,299 |
| Noninterest income to average assets | 0.7839% | 2,233 |
| Noninterest expense to average assets | 2.3726% | 5,108 |
| Loan and lease loss provision to assets | 0.1105% | 2,926 |
| Net operating income to assets | 1.1749% | 1,724 |
| Return on assets (ROA) | 1.2442% | 1,571 |
| Pretax return on assets | 1.2968% | 2,342 |
| Return on Equity (ROE) | 11.6189% | 1,614 |
| Retained earnings to average equity (ytd only) | 7.9392% | 1,434 |
| Net charge-offs to loans | 0.1168% | 3,381 |
| Credit loss provision to net charge-offs | 185.0000% | 1,307 |
| Earnings coverage of net charge-offs (x) | 22.3600% | 1,501 |
| Efficiency ratio | 63.9936% | 4,799 |
| Assets per employee ($millions) | 4.2802% | 3,271 |
| Cash dividends to net income (ytd only)* | 31.6699% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7967% | 675 |
| Loan loss allowance to noncurrent loans | 306.9519% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 4,841 |
| Noncurrent loans to loans | 0.9111% | 3,998 |
| Net loans and leases to total assets | 53.7811% | 4,647 |
| Net loans and leases to deposits | 71.2250% | 3,608 |
| Net loans and leases to core deposits | 80.3787% | 3,083 |
| Total domestic deposits to total assets | 75.5087% | 6,224 |
| Equity capital to assets | 10.4215% | 3,371 |
| Core capital (leverage) ratio | 10.2571% | 3,312 |
| Tier 1 risk-based capital ratio | 17.8272% | 2,390 |
| Total risk-based capital ratio | 19.0801% | 2,354 |
| Memoranda: | ||
| Average total assets | $223,321,750 | 2,800 |
| Average earning assets | $210,163,500 | 2,740 |
| Average equity | $23,914,500 | 2,765 |
| Average total loans | $114,175,500 | 3,181 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 5,506 |
| Cost of funding earning assets | 0.6316% | 2,670 |
| Net interest margin | 2.9452% | 5,704 |
| Noninterest income to average assets | 0.7845% | 2,265 |
| Noninterest expense to average assets | 2.2713% | 5,443 |
| Loan and lease loss provision to assets | 0.0957% | 3,194 |
| Net operating income to assets | 1.1421% | 1,774 |
| Return on assets (ROA) | 1.1567% | 1,830 |
| Pretax return on assets | 1.2068% | 2,649 |
| Return on Equity (ROE) | 10.7062% | 1,922 |
| Retained earnings to average equity (ytd only) | 7.5597% | 1,646 |
| Net charge-offs to loans | 0.2536% | 2,204 |
| Credit loss provision to net charge-offs | 75.8865% | 2,705 |
| Earnings coverage of net charge-offs (x) | 10.2057% | 2,176 |
| Efficiency ratio | 63.8260% | 4,894 |
| Assets per employee ($millions) | 4.2766% | 3,213 |
| Cash dividends to net income (ytd only)* | 29.3890% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8368% | 681 |
| Loan loss allowance to noncurrent loans | 184.4149% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 4,166 |
| Noncurrent loans to loans | 1.5383% | 2,997 |
| Net loans and leases to total assets | 50.2455% | 5,085 |
| Net loans and leases to deposits | 64.2020% | 4,472 |
| Net loans and leases to core deposits | 72.0091% | 4,036 |
| Total domestic deposits to total assets | 78.2616% | 5,932 |
| Equity capital to assets | 10.5012% | 3,308 |
| Core capital (leverage) ratio | 10.1216% | 3,332 |
| Tier 1 risk-based capital ratio | 18.3433% | 2,196 |
| Total risk-based capital ratio | 19.5937% | 2,159 |
| Memoranda: | ||
| Average total assets | $223,572,670 | 2,809 |
| Average earning assets | $210,579,330 | 2,736 |
| Average equity | $24,154,330 | 2,755 |
| Average total loans | $111,186,000 | 3,246 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4770% | 5,764 |
| Cost of funding earning assets | 0.6357% | 2,780 |
| Net interest margin | 2.8414% | 5,938 |
| Noninterest income to average assets | 0.7242% | 2,459 |
| Noninterest expense to average assets | 2.2628% | 5,528 |
| Loan and lease loss provision to assets | 0.0649% | 3,547 |
| Net operating income to assets | 1.0251% | 2,128 |
| Return on assets (ROA) | 1.0251% | 2,242 |
| Pretax return on assets | 1.0701% | 3,076 |
| Return on Equity (ROE) | 9.3545% | 2,330 |
| Retained earnings to average equity (ytd only) | 6.5597% | 2,388 |
| Net charge-offs to loans | 0.2182% | 2,117 |
| Credit loss provision to net charge-offs | 61.0169% | 2,433 |
| Earnings coverage of net charge-offs (x) | 10.6780% | 1,720 |
| Efficiency ratio | 66.5960% | 4,557 |
| Assets per employee ($millions) | 4.3143% | 3,311 |
| Cash dividends to net income (ytd only)* | 29.8770% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1167% | 587 |
| Loan loss allowance to noncurrent loans | 113.8955% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 3,209 |
| Noncurrent loans to loans | 2.7365% | 1,861 |
| Net loans and leases to total assets | 46.2232% | 5,411 |
| Net loans and leases to deposits | 58.3181% | 4,997 |
| Net loans and leases to core deposits | 66.2239% | 4,503 |
| Total domestic deposits to total assets | 79.2606% | 5,918 |
| Equity capital to assets | 10.9148% | 3,057 |
| Core capital (leverage) ratio | 9.8446% | 3,607 |
| Tier 1 risk-based capital ratio | 19.3916% | 1,942 |
| Total risk-based capital ratio | 20.6369% | 1,912 |
| Memoranda: | ||
| Average total assets | $222,029,500 | 2,851 |
| Average earning assets | $208,914,000 | 2,791 |
| Average equity | $24,330,500 | 2,774 |
| Average total loans | $108,173,500 | 3,330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 4,509 |
| Cost of funding earning assets | 0.7897% | 2,751 |
| Net interest margin | 3.4310% | 4,774 |
| Noninterest income to average assets | 0.7493% | 2,501 |
| Noninterest expense to average assets | 2.4942% | 5,117 |
| Loan and lease loss provision to assets | 0.0790% | 4,716 |
| Net operating income to assets | 1.3238% | 1,248 |
| Return on assets (ROA) | 1.4061% | 1,203 |
| Pretax return on assets | 1.4673% | 1,791 |
| Return on Equity (ROE) | 12.6261% | 1,325 |
| Retained earnings to average equity (ytd only) | 8.5588% | 949 |
| Net charge-offs to loans | 0.1926% | 3,832 |
| Credit loss provision to net charge-offs | 76.2791% | 3,956 |
| Earnings coverage of net charge-offs (x) | 14.0977% | 1,766 |
| Efficiency ratio | 63.0681% | 5,062 |
| Assets per employee ($millions) | 4.3081% | 3,338 |
| Cash dividends to net income (ytd only)* | 32.2138% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0729% | 621 |
| Loan loss allowance to noncurrent loans | 140.1335% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 1.2029% | 3,653 |
| Noncurrent loans to loans | 2.1928% | 2,475 |
| Net loans and leases to total assets | 48.2229% | 5,390 |
| Net loans and leases to deposits | 61.6480% | 4,823 |
| Net loans and leases to core deposits | 69.0619% | 4,428 |
| Total domestic deposits to total assets | 78.2230% | 6,042 |
| Equity capital to assets | 11.0025% | 2,951 |
| Core capital (leverage) ratio | 10.3855% | 2,902 |
| Tier 1 risk-based capital ratio | 18.7457% | 2,029 |
| Total risk-based capital ratio | 19.9938% | 1,994 |
| Memoranda: | ||
| Average total assets | $207,519,800 | 2,955 |
| Average earning assets | $193,878,400 | 2,914 |
| Average equity | $23,110,800 | 2,838 |
| Average total loans | $111,602,200 | 3,263 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3783% | 4,140 |
| Cost of funding earning assets | 0.8180% | 2,792 |
| Net interest margin | 3.5603% | 4,395 |
| Noninterest income to average assets | 0.7603% | 2,426 |
| Noninterest expense to average assets | 2.5985% | 4,749 |
| Loan and lease loss provision to assets | 0.0730% | 4,753 |
| Net operating income to assets | 1.3557% | 1,319 |
| Return on assets (ROA) | 1.4672% | 1,210 |
| Pretax return on assets | 1.5311% | 1,776 |
| Return on Equity (ROE) | 13.1317% | 1,306 |
| Retained earnings to average equity (ytd only) | 8.7544% | 1,325 |
| Net charge-offs to loans | 0.1628% | 3,815 |
| Credit loss provision to net charge-offs | 81.7518% | 3,573 |
| Earnings coverage of net charge-offs (x) | 16.6571% | 1,678 |
| Efficiency ratio | 63.5870% | 4,874 |
| Assets per employee ($millions) | 3.9705% | 3,930 |
| Cash dividends to net income (ytd only)* | 33.3334% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9508% | 762 |
| Loan loss allowance to noncurrent loans | 134.5924% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 3,625 |
| Noncurrent loans to loans | 2.1924% | 2,627 |
| Net loans and leases to total assets | 53.9217% | 4,759 |
| Net loans and leases to deposits | 70.6250% | 3,813 |
| Net loans and leases to core deposits | 83.0151% | 2,822 |
| Total domestic deposits to total assets | 76.3494% | 6,334 |
| Equity capital to assets | 11.4872% | 2,753 |
| Core capital (leverage) ratio | 10.3094% | 3,152 |
| Tier 1 risk-based capital ratio | 17.6804% | 2,467 |
| Total risk-based capital ratio | 18.9342% | 2,438 |
| Memoranda: | ||
| Average total assets | $204,471,500 | 3,025 |
| Average earning assets | $191,028,000 | 2,980 |
| Average equity | $22,845,000 | 2,895 |
| Average total loans | $112,175,000 | 3,276 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 4,088 |
| Cost of funding earning assets | 0.8357% | 2,902 |
| Net interest margin | 3.5888% | 4,308 |
| Noninterest income to average assets | 0.8263% | 2,070 |
| Noninterest expense to average assets | 2.6250% | 4,695 |
| Loan and lease loss provision to assets | 0.0579% | 4,932 |
| Net operating income to assets | 1.4314% | 1,123 |
| Return on assets (ROA) | 1.4455% | 1,229 |
| Pretax return on assets | 1.5083% | 1,826 |
| Return on Equity (ROE) | 13.0618% | 1,349 |
| Retained earnings to average equity (ytd only) | 8.5394% | 1,438 |
| Net charge-offs to loans | 0.2246% | 3,231 |
| Credit loss provision to net charge-offs | 47.2000% | 4,101 |
| Earnings coverage of net charge-offs (x) | 12.6480% | 1,855 |
| Efficiency ratio | 62.8524% | 5,107 |
| Assets per employee ($millions) | 4.1595% | 3,545 |
| Cash dividends to net income (ytd only)* | 34.6232% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9332% | 838 |
| Loan loss allowance to noncurrent loans | 126.6667% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 1.5112% | 3,434 |
| Noncurrent loans to loans | 2.3157% | 2,586 |
| Net loans and leases to total assets | 53.2081% | 4,932 |
| Net loans and leases to deposits | 68.9595% | 4,043 |
| Net loans and leases to core deposits | 82.0737% | 2,951 |
| Total domestic deposits to total assets | 77.1584% | 6,302 |
| Equity capital to assets | 11.2133% | 2,882 |
| Core capital (leverage) ratio | 10.0988% | 3,281 |
| Tier 1 risk-based capital ratio | 17.4543% | 2,486 |
| Total risk-based capital ratio | 18.7223% | 2,447 |
| Memoranda: | ||
| Average total assets | $203,807,330 | 3,046 |
| Average earning assets | $190,259,670 | 2,993 |
| Average equity | $22,554,330 | 2,914 |
| Average total loans | $111,328,670 | 3,303 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 3,459 |
| Cost of funding earning assets | 0.8690% | 2,926 |
| Net interest margin | 3.7400% | 3,631 |
| Noninterest income to average assets | 0.8031% | 2,154 |
| Noninterest expense to average assets | 2.7146% | 4,377 |
| Loan and lease loss provision to assets | 0.0476% | 4,808 |
| Net operating income to assets | 1.4743% | 1,074 |
| Return on assets (ROA) | 1.5050% | 1,131 |
| Pretax return on assets | 1.5546% | 1,724 |
| Return on Equity (ROE) | 13.6936% | 1,255 |
| Retained earnings to average equity (ytd only) | 9.0028% | 1,598 |
| Net charge-offs to loans | 0.0582% | 3,924 |
| Credit loss provision to net charge-offs | 150.0000% | 1,667 |
| Earnings coverage of net charge-offs (x) | 49.5000% | 639 |
| Efficiency ratio | 63.3503% | 5,042 |
| Assets per employee ($millions) | 4.0349% | 3,930 |
| Cash dividends to net income (ytd only)* | 34.2556% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1362% | 725 |
| Loan loss allowance to noncurrent loans | 306.8223% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.9983% | 4,499 |
| Noncurrent loans to loans | 1.0222% | 4,636 |
| Net loans and leases to total assets | 52.3270% | 4,972 |
| Net loans and leases to deposits | 67.4444% | 4,154 |
| Net loans and leases to core deposits | 76.5815% | 3,544 |
| Total domestic deposits to total assets | 77.5853% | 6,324 |
| Equity capital to assets | 11.2475% | 2,678 |
| Core capital (leverage) ratio | 10.0260% | 3,336 |
| Tier 1 risk-based capital ratio | 17.5490% | 2,461 |
| Total risk-based capital ratio | 18.8202% | 2,426 |
| Memoranda: | ||
| Average total assets | $201,723,000 | 3,089 |
| Average earning assets | $187,807,500 | 3,040 |
| Average equity | $22,171,000 | 2,961 |
| Average total loans | $109,991,000 | 3,355 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2413% | 1,907 |
| Cost of funding earning assets | 1.0509% | 3,008 |
| Net interest margin | 4.1904% | 2,095 |
| Noninterest income to average assets | 0.8217% | 1,959 |
| Noninterest expense to average assets | 2.8765% | 4,052 |
| Loan and lease loss provision to assets | 0.1285% | 5,010 |
| Net operating income to assets | 1.6458% | 611 |
| Return on assets (ROA) | 1.8945% | 415 |
| Pretax return on assets | 1.9768% | 557 |
| Return on Equity (ROE) | 17.4084% | 435 |
| Retained earnings to average equity (ytd only) | 10.9211% | 415 |
| Net charge-offs to loans | 0.1084% | 5,278 |
| Credit loss provision to net charge-offs | 198.3607% | 1,277 |
| Earnings coverage of net charge-offs (x) | 28.5082% | 874 |
| Efficiency ratio | 60.9082% | 5,618 |
| Assets per employee ($millions) | 3.8789% | 4,134 |
| Cash dividends to net income (ytd only)* | 37.2653% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0721% | 763 |
| Loan loss allowance to noncurrent loans | 91.0791% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 2.3460% | 2,582 |
| Noncurrent loans to loans | 3.3730% | 1,917 |
| Net loans and leases to total assets | 53.3398% | 5,122 |
| Net loans and leases to deposits | 68.2089% | 4,410 |
| Net loans and leases to core deposits | 78.9150% | 3,580 |
| Total domestic deposits to total assets | 78.2006% | 6,155 |
| Equity capital to assets | 10.7341% | 3,265 |
| Core capital (leverage) ratio | 10.5227% | 2,698 |
| Tier 1 risk-based capital ratio | 16.5941% | 2,780 |
| Total risk-based capital ratio | 17.8638% | 2,739 |
| Memoranda: | ||
| Average total assets | $188,387,200 | 3,205 |
| Average earning assets | $175,376,600 | 3,154 |
| Average equity | $20,501,600 | 3,067 |
| Average total loans | $112,500,200 | 3,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3451% | 1,702 |
| Cost of funding earning assets | 1.0871% | 3,065 |
| Net interest margin | 4.2579% | 1,882 |
| Noninterest income to average assets | 0.8336% | 1,909 |
| Noninterest expense to average assets | 3.0044% | 3,539 |
| Loan and lease loss provision to assets | 0.1470% | 4,611 |
| Net operating income to assets | 1.5777% | 807 |
| Return on assets (ROA) | 1.8862% | 476 |
| Pretax return on assets | 1.9683% | 666 |
| Return on Equity (ROE) | 17.2679% | 539 |
| Retained earnings to average equity (ytd only) | 11.6614% | 535 |
| Net charge-offs to loans | 0.1075% | 4,929 |
| Credit loss provision to net charge-offs | 224.1758% | 1,276 |
| Earnings coverage of net charge-offs (x) | 27.3627% | 995 |
| Efficiency ratio | 62.6126% | 5,311 |
| Assets per employee ($millions) | 3.5442% | 4,888 |
| Cash dividends to net income (ytd only)* | 32.4677% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0361% | 839 |
| Loan loss allowance to noncurrent loans | 89.2941% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 2.5779% | 2,500 |
| Noncurrent loans to loans | 3.4001% | 2,031 |
| Net loans and leases to total assets | 58.9710% | 4,327 |
| Net loans and leases to deposits | 77.7101% | 3,043 |
| Net loans and leases to core deposits | 99.3600% | 1,307 |
| Total domestic deposits to total assets | 75.8859% | 6,544 |
| Equity capital to assets | 11.7288% | 2,467 |
| Core capital (leverage) ratio | 10.2288% | 3,159 |
| Tier 1 risk-based capital ratio | 16.6534% | 2,782 |
| Total risk-based capital ratio | 17.9242% | 2,741 |
| Memoranda: | ||
| Average total assets | $185,058,250 | 3,274 |
| Average earning assets | $172,316,500 | 3,213 |
| Average equity | $20,214,250 | 3,114 |
| Average total loans | $112,875,750 | 3,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 1,786 |
| Cost of funding earning assets | 1.1026% | 3,218 |
| Net interest margin | 4.2273% | 1,933 |
| Noninterest income to average assets | 0.8494% | 1,807 |
| Noninterest expense to average assets | 2.9421% | 3,858 |
| Loan and lease loss provision to assets | 0.1738% | 4,192 |
| Net operating income to assets | 1.6030% | 730 |
| Return on assets (ROA) | 1.7387% | 596 |
| Pretax return on assets | 1.8142% | 852 |
| Return on Equity (ROE) | 16.3164% | 637 |
| Retained earnings to average equity (ytd only) | 11.3536% | 613 |
| Net charge-offs to loans | 0.1149% | 4,554 |
| Credit loss provision to net charge-offs | 247.6923% | 1,225 |
| Earnings coverage of net charge-offs (x) | 26.3231% | 1,020 |
| Efficiency ratio | 61.4379% | 5,664 |
| Assets per employee ($millions) | 3.6935% | 4,463 |
| Cash dividends to net income (ytd only)* | 30.4159% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0224% | 877 |
| Loan loss allowance to noncurrent loans | 400.2364% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 5,001 |
| Noncurrent loans to loans | 0.7551% | 5,398 |
| Net loans and leases to total assets | 56.5677% | 4,890 |
| Net loans and leases to deposits | 73.7867% | 3,839 |
| Net loans and leases to core deposits | 95.5541% | 1,727 |
| Total domestic deposits to total assets | 76.6638% | 6,500 |
| Equity capital to assets | 10.8205% | 3,158 |
| Core capital (leverage) ratio | 9.9930% | 3,274 |
| Tier 1 risk-based capital ratio | 15.8913% | 3,036 |
| Total risk-based capital ratio | 17.1610% | 2,997 |
| Memoranda: | ||
| Average total assets | $185,311,330 | 3,294 |
| Average earning assets | $172,686,330 | 3,230 |
| Average equity | $19,747,000 | 3,162 |
| Average total loans | $113,139,000 | 3,381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3427% | 1,743 |
| Cost of funding earning assets | 1.1523% | 3,146 |
| Net interest margin | 4.1904% | 1,921 |
| Noninterest income to average assets | 0.8574% | 1,826 |
| Noninterest expense to average assets | 2.8933% | 4,086 |
| Loan and lease loss provision to assets | 0.1671% | 3,957 |
| Net operating income to assets | 1.6335% | 645 |
| Return on assets (ROA) | 1.6335% | 682 |
| Pretax return on assets | 1.6907% | 1,003 |
| Return on Equity (ROE) | 15.4554% | 751 |
| Retained earnings to average equity (ytd only) | 10.8791% | 922 |
| Net charge-offs to loans | 0.2533% | 3,068 |
| Credit loss provision to net charge-offs | 105.5556% | 2,522 |
| Earnings coverage of net charge-offs (x) | 11.7361% | 1,535 |
| Efficiency ratio | 60.8977% | 5,848 |
| Assets per employee ($millions) | 3.5281% | 4,930 |
| Cash dividends to net income (ytd only)* | 29.6097% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9779% | 935 |
| Loan loss allowance to noncurrent loans | 178.3433% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5191% | 3,974 |
| Noncurrent loans to loans | 1.6698% | 3,978 |
| Net loans and leases to total assets | 58.4974% | 4,556 |
| Net loans and leases to deposits | 77.2303% | 3,209 |
| Net loans and leases to core deposits | 100.3028% | 1,315 |
| Total domestic deposits to total assets | 75.7442% | 6,706 |
| Equity capital to assets | 10.7303% | 2,951 |
| Core capital (leverage) ratio | 9.7609% | 3,431 |
| Tier 1 risk-based capital ratio | 15.7110% | 3,053 |
| Total risk-based capital ratio | 16.9809% | 2,998 |
| Memoranda: | ||
| Average total assets | $181,936,000 | 3,367 |
| Average earning assets | $169,053,000 | 3,313 |
| Average equity | $19,229,500 | 3,227 |
| Average total loans | $113,693,000 | 3,396 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6749% | 1,664 |
| Cost of funding earning assets | 1.2988% | 3,885 |
| Net interest margin | 4.3761% | 1,570 |
| Noninterest income to average assets | 0.7711% | 2,422 |
| Noninterest expense to average assets | 2.7009% | 4,983 |
| Loan and lease loss provision to assets | 1.0164% | 1,599 |
| Net operating income to assets | 1.0812% | 1,758 |
| Return on assets (ROA) | 1.1181% | 1,731 |
| Pretax return on assets | 1.1662% | 2,340 |
| Return on Equity (ROE) | 10.5871% | 1,725 |
| Retained earnings to average equity (ytd only) | 4.9135% | 2,466 |
| Net charge-offs to loans | 0.4097% | 3,992 |
| Credit loss provision to net charge-offs | 384.1880% | 648 |
| Earnings coverage of net charge-offs (x) | 8.1047% | 2,015 |
| Efficiency ratio | 55.7461% | 6,626 |
| Assets per employee ($millions) | 3.4694% | 5,006 |
| Cash dividends to net income (ytd only)* | 53.5895% | 1,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8175% | 1,033 |
| Loan loss allowance to noncurrent loans | 385.2459% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 5,017 |
| Noncurrent loans to loans | 0.7313% | 5,585 |
| Net loans and leases to total assets | 62.9019% | 4,092 |
| Net loans and leases to deposits | 82.5582% | 2,702 |
| Net loans and leases to core deposits | 109.6890% | 938 |
| Total domestic deposits to total assets | 76.1910% | 6,615 |
| Equity capital to assets | 10.4057% | 3,266 |
| Core capital (leverage) ratio | 10.1713% | 2,899 |
| Tier 1 risk-based capital ratio | 14.5864% | 3,486 |
| Total risk-based capital ratio | 15.8548% | 3,437 |
| Memoranda: | ||
| Average total assets | $176,901,600 | 3,421 |
| Average earning assets | $164,689,200 | 3,364 |
| Average equity | $18,683,200 | 3,316 |
| Average total loans | $114,224,600 | 3,446 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6738% | 1,799 |
| Cost of funding earning assets | 1.3211% | 4,105 |
| Net interest margin | 4.3526% | 1,669 |
| Noninterest income to average assets | 0.7643% | 2,424 |
| Noninterest expense to average assets | 2.5973% | 5,337 |
| Loan and lease loss provision to assets | 1.2460% | 1,131 |
| Net operating income to assets | 0.9396% | 2,454 |
| Return on assets (ROA) | 0.9658% | 2,477 |
| Pretax return on assets | 1.0059% | 3,158 |
| Return on Equity (ROE) | 9.1098% | 2,454 |
| Retained earnings to average equity (ytd only) | 3.9654% | 3,688 |
| Net charge-offs to loans | 0.4836% | 3,341 |
| Credit loss provision to net charge-offs | 399.2718% | 762 |
| Earnings coverage of net charge-offs (x) | 7.1286% | 2,383 |
| Efficiency ratio | 53.8643% | 6,801 |
| Assets per employee ($millions) | 3.3813% | 5,254 |
| Cash dividends to net income (ytd only)* | 56.4707% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7080% | 1,077 |
| Loan loss allowance to noncurrent loans | 185.7475% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9777% | 5,129 |
| Noncurrent loans to loans | 1.4579% | 4,437 |
| Net loans and leases to total assets | 65.2454% | 3,853 |
| Net loans and leases to deposits | 97.8556% | 804 |
| Net loans and leases to core deposits | 122.5696% | 539 |
| Total domestic deposits to total assets | 66.6752% | 7,445 |
| Equity capital to assets | 10.9949% | 2,966 |
| Core capital (leverage) ratio | 9.8096% | 3,475 |
| Tier 1 risk-based capital ratio | 14.4778% | 3,521 |
| Total risk-based capital ratio | 15.7457% | 3,487 |
| Memoranda: | ||
| Average total assets | $176,024,250 | 3,481 |
| Average earning assets | $164,096,500 | 3,423 |
| Average equity | $18,660,750 | 3,365 |
| Average total loans | $113,587,750 | 3,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5813% | 2,205 |
| Cost of funding earning assets | 1.3293% | 4,343 |
| Net interest margin | 4.2519% | 1,956 |
| Noninterest income to average assets | 0.7632% | 2,314 |
| Noninterest expense to average assets | 2.4908% | 5,747 |
| Loan and lease loss provision to assets | 1.3550% | 999 |
| Net operating income to assets | 0.8520% | 2,721 |
| Return on assets (ROA) | 0.8552% | 2,855 |
| Pretax return on assets | 0.8916% | 3,528 |
| Return on Equity (ROE) | 8.1684% | 2,819 |
| Retained earnings to average equity (ytd only) | 2.9614% | 4,239 |
| Net charge-offs to loans | 0.6866% | 2,500 |
| Credit loss provision to net charge-offs | 309.8701% | 1,181 |
| Earnings coverage of net charge-offs (x) | 5.1299% | 2,741 |
| Efficiency ratio | 52.6152% | 7,014 |
| Assets per employee ($millions) | 3.3332% | 5,342 |
| Cash dividends to net income (ytd only)* | 63.7450% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4360% | 1,385 |
| Loan loss allowance to noncurrent loans | 64.7485% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.4199% | 2,970 |
| Noncurrent loans to loans | 3.7622% | 2,062 |
| Net loans and leases to total assets | 62.7535% | 4,530 |
| Net loans and leases to deposits | 88.6626% | 2,060 |
| Net loans and leases to core deposits | 111.0598% | 1,095 |
| Total domestic deposits to total assets | 70.7779% | 7,281 |
| Equity capital to assets | 10.5434% | 3,352 |
| Core capital (leverage) ratio | 9.5605% | 3,728 |
| Tier 1 risk-based capital ratio | 14.3560% | 3,514 |
| Total risk-based capital ratio | 15.6198% | 3,477 |
| Memoranda: | ||
| Average total assets | $176,090,000 | 3,505 |
| Average earning assets | $164,443,000 | 3,434 |
| Average equity | $18,437,000 | 3,382 |
| Average total loans | $112,146,330 | 3,576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5900% | 2,192 |
| Cost of funding earning assets | 1.3542% | 4,464 |
| Net interest margin | 4.2358% | 1,907 |
| Noninterest income to average assets | 0.7872% | 2,085 |
| Noninterest expense to average assets | 2.4778% | 5,813 |
| Loan and lease loss provision to assets | 1.3538% | 882 |
| Net operating income to assets | 0.8693% | 2,674 |
| Return on assets (ROA) | 0.8737% | 2,740 |
| Pretax return on assets | 0.9101% | 3,428 |
| Return on Equity (ROE) | 8.3740% | 2,705 |
| Retained earnings to average equity (ytd only) | 2.9222% | 4,378 |
| Net charge-offs to loans | 0.5206% | 2,504 |
| Credit loss provision to net charge-offs | 410.3448% | 1,003 |
| Earnings coverage of net charge-offs (x) | 6.8483% | 2,160 |
| Efficiency ratio | 52.3055% | 7,121 |
| Assets per employee ($millions) | 3.3002% | 5,541 |
| Cash dividends to net income (ytd only)* | 65.1042% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1747% | 1,806 |
| Loan loss allowance to noncurrent loans | 76.6539% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.7975% | 3,795 |
| Noncurrent loans to loans | 2.8370% | 2,833 |
| Net loans and leases to total assets | 61.9803% | 4,763 |
| Net loans and leases to deposits | 90.6075% | 1,815 |
| Net loans and leases to core deposits | 105.0046% | 1,657 |
| Total domestic deposits to total assets | 68.4053% | 7,508 |
| Equity capital to assets | 10.5676% | 3,180 |
| Core capital (leverage) ratio | 9.5130% | 3,747 |
| Tier 1 risk-based capital ratio | 14.4851% | 3,384 |
| Total risk-based capital ratio | 15.7448% | 3,348 |
| Memoranda: | ||
| Average total assets | $175,804,500 | 3,562 |
| Average earning assets | $163,936,500 | 3,495 |
| Average equity | $18,342,500 | 3,429 |
| Average total loans | $111,405,000 | 3,655 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 2,035 |
| Cost of funding earning assets | 1.5579% | 5,238 |
| Net interest margin | 4.3975% | 1,439 |
| Noninterest income to average assets | 0.8189% | 2,311 |
| Noninterest expense to average assets | 2.7357% | 5,217 |
| Loan and lease loss provision to assets | 1.1794% | 1,956 |
| Net operating income to assets | 0.9711% | 1,938 |
| Return on assets (ROA) | 1.1380% | 1,444 |
| Pretax return on assets | 1.1908% | 1,978 |
| Return on Equity (ROE) | 11.4446% | 1,309 |
| Retained earnings to average equity (ytd only) | 7.1161% | 928 |
| Net charge-offs to loans | 1.4686% | 1,709 |
| Credit loss provision to net charge-offs | 126.6174% | 4,112 |
| Earnings coverage of net charge-offs (x) | 2.3580% | 3,958 |
| Efficiency ratio | 55.4689% | 7,076 |
| Assets per employee ($millions) | 3.3339% | 5,415 |
| Cash dividends to net income (ytd only)* | 37.8215% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 2,709 |
| Loan loss allowance to noncurrent loans | 89.7436% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 4,627 |
| Noncurrent loans to loans | 1.9502% | 3,733 |
| Net loans and leases to total assets | 62.2699% | 4,934 |
| Net loans and leases to deposits | 84.3115% | 3,204 |
| Net loans and leases to core deposits | 101.3140% | 3,870 |
| Total domestic deposits to total assets | 73.8569% | 7,038 |
| Equity capital to assets | 10.3007% | 3,405 |
| Core capital (leverage) ratio | 9.7911% | 3,331 |
| Tier 1 risk-based capital ratio | 14.2025% | 3,376 |
| Total risk-based capital ratio | 15.4578% | 3,327 |
| Memoranda: | ||
| Average total assets | $174,248,400 | 3,527 |
| Average earning assets | $162,979,000 | 3,465 |
| Average equity | $17,327,000 | 3,609 |
| Average total loans | $110,512,000 | 3,681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9761% | 2,128 |
| Cost of funding earning assets | 1.6010% | 5,399 |
| Net interest margin | 4.3751% | 1,510 |
| Noninterest income to average assets | 0.8316% | 2,281 |
| Noninterest expense to average assets | 3.0177% | 3,974 |
| Loan and lease loss provision to assets | 0.6473% | 2,815 |
| Net operating income to assets | 1.2140% | 1,431 |
| Return on assets (ROA) | 1.4160% | 1,056 |
| Pretax return on assets | 1.4751% | 1,489 |
| Return on Equity (ROE) | 14.3707% | 863 |
| Retained earnings to average equity (ytd only) | 8.5258% | 969 |
| Net charge-offs to loans | 0.3099% | 4,100 |
| Credit loss provision to net charge-offs | 329.2969% | 1,250 |
| Earnings coverage of net charge-offs (x) | 9.7267% | 2,068 |
| Efficiency ratio | 61.2150% | 6,239 |
| Assets per employee ($millions) | 3.2327% | 5,564 |
| Cash dividends to net income (ytd only)* | 40.6726% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8502% | 2,150 |
| Loan loss allowance to noncurrent loans | 76.3262% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.5874% | 3,975 |
| Noncurrent loans to loans | 2.4241% | 3,108 |
| Net loans and leases to total assets | 64.2702% | 4,808 |
| Net loans and leases to deposits | 97.0125% | 1,439 |
| Net loans and leases to core deposits | 133.3833% | 1,246 |
| Total domestic deposits to total assets | 66.2494% | 7,670 |
| Equity capital to assets | 10.4121% | 3,601 |
| Core capital (leverage) ratio | 9.4413% | 3,991 |
| Tier 1 risk-based capital ratio | 14.2199% | 3,426 |
| Total risk-based capital ratio | 14.2421% | 4,131 |
| Memoranda: | ||
| Average total assets | $173,636,250 | 3,559 |
| Average earning assets | $162,643,750 | 3,500 |
| Average equity | $17,108,500 | 3,678 |
| Average total loans | $110,142,750 | 3,731 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9573% | 2,350 |
| Cost of funding earning assets | 1.6328% | 5,594 |
| Net interest margin | 4.3245% | 1,592 |
| Noninterest income to average assets | 0.8666% | 2,111 |
| Noninterest expense to average assets | 3.0370% | 3,934 |
| Loan and lease loss provision to assets | 0.5008% | 3,033 |
| Net operating income to assets | 1.3240% | 1,182 |
| Return on assets (ROA) | 1.5578% | 802 |
| Pretax return on assets | 1.6247% | 1,157 |
| Return on Equity (ROE) | 16.1168% | 678 |
| Retained earnings to average equity (ytd only) | 8.9538% | 953 |
| Net charge-offs to loans | 0.2115% | 4,190 |
| Credit loss provision to net charge-offs | 377.3913% | 1,231 |
| Earnings coverage of net charge-offs (x) | 14.1826% | 1,676 |
| Efficiency ratio | 61.7406% | 6,282 |
| Assets per employee ($millions) | 3.2372% | 5,489 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 2,557 |
| Loan loss allowance to noncurrent loans | 74.1172% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.3997% | 4,158 |
| Noncurrent loans to loans | 2.2160% | 3,241 |
| Net loans and leases to total assets | 62.1240% | 5,343 |
| Net loans and leases to deposits | 84.9752% | 3,733 |
| Net loans and leases to core deposits | 125.2823% | 1,926 |
| Total domestic deposits to total assets | 73.1083% | 7,094 |
| Equity capital to assets | 9.5375% | 4,559 |
| Core capital (leverage) ratio | 9.0369% | 4,571 |
| Tier 1 risk-based capital ratio | 13.9151% | 3,570 |
| Total risk-based capital ratio | 15.1695% | 3,503 |
| Memoranda: | ||
| Average total assets | $173,326,330 | 3,578 |
| Average earning assets | $162,423,330 | 3,518 |
| Average equity | $16,752,670 | 3,765 |
| Average total loans | $108,754,000 | 3,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0228% | 2,269 |
| Cost of funding earning assets | 1.6737% | 5,727 |
| Net interest margin | 4.3491% | 1,467 |
| Noninterest income to average assets | 0.8633% | 2,019 |
| Noninterest expense to average assets | 2.9760% | 3,867 |
| Loan and lease loss provision to assets | 0.3346% | 3,316 |
| Net operating income to assets | 1.5559% | 849 |
| Return on assets (ROA) | 1.5559% | 924 |
| Pretax return on assets | 1.6260% | 1,344 |
| Return on Equity (ROE) | 15.9870% | 828 |
| Retained earnings to average equity (ytd only) | 8.7748% | 1,544 |
| Net charge-offs to loans | 0.1833% | 3,533 |
| Credit loss provision to net charge-offs | 291.8367% | 1,663 |
| Earnings coverage of net charge-offs (x) | 17.1020% | 1,522 |
| Efficiency ratio | 60.2844% | 6,356 |
| Assets per employee ($millions) | 3.1744% | 5,664 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 2,852 |
| Loan loss allowance to noncurrent loans | 2,385.2941% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 7,277 |
| Noncurrent loans to loans | 0.0638% | 7,347 |
| Net loans and leases to total assets | 61.1897% | 5,466 |
| Net loans and leases to deposits | 85.0888% | 3,801 |
| Net loans and leases to core deposits | 109.2184% | 3,538 |
| Total domestic deposits to total assets | 71.9128% | 7,216 |
| Equity capital to assets | 9.8876% | 4,131 |
| Core capital (leverage) ratio | 9.1802% | 4,437 |
| Tier 1 risk-based capital ratio | 14.3536% | 3,395 |
| Total risk-based capital ratio | 15.6020% | 3,319 |
| Memoranda: | ||
| Average total assets | $170,967,500 | 3,636 |
| Average earning assets | $160,124,000 | 3,568 |
| Average equity | $16,638,500 | 3,803 |
| Average total loans | $106,903,500 | 3,863 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3276% | 3,809 |
| Cost of funding earning assets | 2.1978% | 5,612 |
| Net interest margin | 4.1298% | 2,583 |
| Noninterest income to average assets | 1.0051% | 1,558 |
| Noninterest expense to average assets | 2.8917% | 4,474 |
| Loan and lease loss provision to assets | 0.2627% | 4,298 |
| Net operating income to assets | 1.6831% | 701 |
| Return on assets (ROA) | 1.7349% | 600 |
| Pretax return on assets | 1.8085% | 928 |
| Return on Equity (ROE) | 17.6540% | 563 |
| Retained earnings to average equity (ytd only) | 5.7082% | 1,662 |
| Net charge-offs to loans | 0.0946% | 5,382 |
| Credit loss provision to net charge-offs | 454.9451% | 964 |
| Earnings coverage of net charge-offs (x) | 34.9341% | 1,038 |
| Efficiency ratio | 58.9064% | 6,542 |
| Assets per employee ($millions) | 3.1003% | 5,763 |
| Cash dividends to net income (ytd only)* | 67.6664% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 3,059 |
| Loan loss allowance to noncurrent loans | 583.2061% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 6,954 |
| Noncurrent loans to loans | 0.2442% | 6,652 |
| Net loans and leases to total assets | 62.0271% | 5,619 |
| Net loans and leases to deposits | 82.7651% | 4,613 |
| Net loans and leases to core deposits | 127.8040% | 2,017 |
| Total domestic deposits to total assets | 74.9436% | 6,465 |
| Equity capital to assets | 9.5755% | 4,579 |
| Core capital (leverage) ratio | 9.7098% | 3,752 |
| Tier 1 risk-based capital ratio | 14.2672% | 3,413 |
| Total risk-based capital ratio | 15.5189% | 3,331 |
| Memoranda: | ||
| Average total assets | $157,591,000 | 3,765 |
| Average earning assets | $148,965,600 | 3,677 |
| Average equity | $15,486,600 | 4,026 |
| Average total loans | $96,182,800 | 4,051 |