Home > Great Southern Bank > Performance and Condition Ratios
Great Southern Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 4,175 |
| Cost of funding earning assets | 1.2788% | 3,579 |
| Net interest margin | 2.8249% | 3,739 |
| Noninterest income to average assets | 0.8600% | 742 |
| Noninterest expense to average assets | 3.1743% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 3,062 |
| Net operating income to assets | 0.3372% | 3,876 |
| Return on assets (ROA) | 0.3372% | 3,912 |
| Pretax return on assets | 0.3372% | 3,961 |
| Return on Equity (ROE) | 4.9500% | 3,622 |
| Retained earnings to average equity (ytd only) | 0.5057% | 3,736 |
| Net charge-offs to loans | 0.0384% | 1,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,216 |
| Earnings coverage of net charge-offs (x) | 21.8462% | 1,712 |
| Efficiency ratio | 90.3973% | 375 |
| Assets per employee ($millions) | 3.7849% | 4,123 |
| Cash dividends to net income (ytd only)* | 89.7887% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6850% | 3,990 |
| Loan loss allowance to noncurrent loans | 151.6800% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4822% | 1,619 |
| Noncurrent loans to loans | 0.4516% | 2,056 |
| Net loans and leases to total assets | 41.2700% | 3,936 |
| Net loans and leases to deposits | 44.6769% | 4,061 |
| Net loans and leases to core deposits | 47.0172% | 4,059 |
| Total domestic deposits to total assets | 92.3700% | 176 |
| Equity capital to assets | 7.1795% | 3,956 |
| Core capital (leverage) ratio | 9.6141% | 3,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6070% | 602 |
| Memoranda: | ||
| Average total assets | $336,897,000 | 2,306 |
| Average earning assets | $315,762,000 | 2,291 |
| Average equity | $22,937,333 | 2,835 |
| Average total loans | $135,554,333 | 2,876 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 4,245 |
| Cost of funding earning assets | 1.3433% | 3,510 |
| Net interest margin | 2.7193% | 3,812 |
| Noninterest income to average assets | 0.7900% | 831 |
| Noninterest expense to average assets | 3.1569% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.1854% | 3,988 |
| Return on assets (ROA) | 0.1854% | 4,019 |
| Pretax return on assets | 0.1854% | 4,042 |
| Return on Equity (ROE) | 2.8000% | 3,893 |
| Retained earnings to average equity (ytd only) | -1.6927% | 3,888 |
| Net charge-offs to loans | 0.0805% | 940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 5.8148% | 1,884 |
| Efficiency ratio | 94.4543% | 372 |
| Assets per employee ($millions) | 3.8188% | 4,148 |
| Cash dividends to net income (ytd only)* | 160.5096% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 4,031 |
| Loan loss allowance to noncurrent loans | 155.7566% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 1,554 |
| Noncurrent loans to loans | 0.4526% | 1,994 |
| Net loans and leases to total assets | 39.2400% | 4,005 |
| Net loans and leases to deposits | 42.3510% | 4,082 |
| Net loans and leases to core deposits | 44.2901% | 4,096 |
| Total domestic deposits to total assets | 92.6600% | 173 |
| Equity capital to assets | 6.8773% | 4,066 |
| Core capital (leverage) ratio | 9.3521% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4759% | 623 |
| Memoranda: | ||
| Average total assets | $338,809,500 | 2,302 |
| Average earning assets | $318,023,500 | 2,283 |
| Average equity | $22,449,500 | 2,862 |
| Average total loans | $134,133,000 | 2,897 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 3,753 |
| Cost of funding earning assets | 1.5208% | 3,316 |
| Net interest margin | 3.0766% | 2,999 |
| Noninterest income to average assets | 1.3500% | 389 |
| Noninterest expense to average assets | 3.4014% | 664 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.8591% | 2,526 |
| Return on assets (ROA) | 0.8591% | 2,531 |
| Pretax return on assets | 0.8591% | 2,922 |
| Return on Equity (ROE) | 13.4200% | 1,264 |
| Retained earnings to average equity (ytd only) | -6.1450% | 4,325 |
| Net charge-offs to loans | 0.1967% | 710 |
| Credit loss provision to net charge-offs | -3.2258% | 4,277 |
| Earnings coverage of net charge-offs (x) | 10.8674% | 2,242 |
| Efficiency ratio | 80.0919% | 1,041 |
| Assets per employee ($millions) | 3.7115% | 4,172 |
| Cash dividends to net income (ytd only)* | 145.7968% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7272% | 4,014 |
| Loan loss allowance to noncurrent loans | 148.4756% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 1,474 |
| Noncurrent loans to loans | 0.4898% | 1,853 |
| Net loans and leases to total assets | 39.3700% | 4,027 |
| Net loans and leases to deposits | 43.3882% | 4,086 |
| Net loans and leases to core deposits | 45.9454% | 4,096 |
| Total domestic deposits to total assets | 90.7400% | 594 |
| Equity capital to assets | 6.3731% | 4,120 |
| Core capital (leverage) ratio | 9.0758% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3704% | 630 |
| Memoranda: | ||
| Average total assets | $358,614,600 | 2,200 |
| Average earning assets | $337,254,000 | 2,172 |
| Average equity | $22,961,600 | 2,765 |
| Average total loans | $141,838,800 | 2,803 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 3,585 |
| Cost of funding earning assets | 1.5115% | 3,333 |
| Net interest margin | 3.1700% | 2,747 |
| Noninterest income to average assets | 1.5900% | 325 |
| Noninterest expense to average assets | 3.3868% | 655 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.1544% | 1,617 |
| Return on assets (ROA) | 1.1544% | 1,621 |
| Pretax return on assets | 1.1544% | 2,108 |
| Return on Equity (ROE) | 18.0100% | 584 |
| Retained earnings to average equity (ytd only) | 13.4641% | 347 |
| Net charge-offs to loans | 0.2049% | 583 |
| Credit loss provision to net charge-offs | 33.0317% | 2,131 |
| Earnings coverage of net charge-offs (x) | 14.5837% | 1,946 |
| Efficiency ratio | 74.1436% | 1,570 |
| Assets per employee ($millions) | 3.2230% | 4,282 |
| Cash dividends to net income (ytd only)* | 25.2381% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7903% | 3,927 |
| Loan loss allowance to noncurrent loans | 110.5159% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 1,306 |
| Noncurrent loans to loans | 0.7151% | 1,376 |
| Net loans and leases to total assets | 38.4000% | 4,072 |
| Net loans and leases to deposits | 45.1231% | 4,083 |
| Net loans and leases to core deposits | 48.3171% | 4,083 |
| Total domestic deposits to total assets | 85.1000% | 2,259 |
| Equity capital to assets | 7.5931% | 3,924 |
| Core capital (leverage) ratio | 9.8667% | 2,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6129% | 556 |
| Memoranda: | ||
| Average total assets | $363,831,000 | 2,160 |
| Average earning assets | $342,161,000 | 2,141 |
| Average equity | $23,320,750 | 2,737 |
| Average total loans | $143,812,250 | 2,778 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 3,534 |
| Cost of funding earning assets | 1.4616% | 3,367 |
| Net interest margin | 3.2018% | 2,629 |
| Noninterest income to average assets | 1.8500% | 278 |
| Noninterest expense to average assets | 3.3741% | 667 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.4517% | 994 |
| Return on assets (ROA) | 1.4517% | 993 |
| Pretax return on assets | 1.4517% | 1,369 |
| Return on Equity (ROE) | 24.1400% | 248 |
| Retained earnings to average equity (ytd only) | 20.2136% | 123 |
| Net charge-offs to loans | 0.1782% | 593 |
| Credit loss provision to net charge-offs | 41.8605% | 1,869 |
| Earnings coverage of net charge-offs (x) | 20.8837% | 1,608 |
| Efficiency ratio | 69.4904% | 2,175 |
| Assets per employee ($millions) | 3.2005% | 4,305 |
| Cash dividends to net income (ytd only)* | 16.2500% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8402% | 3,845 |
| Loan loss allowance to noncurrent loans | 179.2738% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 1,444 |
| Noncurrent loans to loans | 0.4687% | 1,828 |
| Net loans and leases to total assets | 38.6700% | 4,076 |
| Net loans and leases to deposits | 44.8748% | 4,078 |
| Net loans and leases to core deposits | 48.2169% | 4,091 |
| Total domestic deposits to total assets | 86.1700% | 1,924 |
| Equity capital to assets | 6.5622% | 4,087 |
| Core capital (leverage) ratio | 9.7016% | 3,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4682% | 567 |
| Memoranda: | ||
| Average total assets | $363,708,667 | 2,152 |
| Average earning assets | $341,681,000 | 2,135 |
| Average equity | $21,876,333 | 2,806 |
| Average total loans | $144,761,333 | 2,764 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5961% | 3,531 |
| Cost of funding earning assets | 1.3723% | 3,440 |
| Net interest margin | 3.2238% | 2,512 |
| Noninterest income to average assets | 0.7800% | 861 |
| Noninterest expense to average assets | 3.3965% | 642 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4036% | 3,610 |
| Return on assets (ROA) | 0.4036% | 3,630 |
| Pretax return on assets | 0.4036% | 3,750 |
| Return on Equity (ROE) | 7.0300% | 2,953 |
| Retained earnings to average equity (ytd only) | 1.1839% | 3,452 |
| Net charge-offs to loans | 0.1091% | 685 |
| Credit loss provision to net charge-offs | 5.0000% | 1,562 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 1,678 |
| Efficiency ratio | 89.3279% | 617 |
| Assets per employee ($millions) | 2.9788% | 4,375 |
| Cash dividends to net income (ytd only)* | 83.1522% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 3,848 |
| Loan loss allowance to noncurrent loans | 97.6057% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 1,617 |
| Noncurrent loans to loans | 0.8656% | 1,023 |
| Net loans and leases to total assets | 39.1700% | 4,049 |
| Net loans and leases to deposits | 45.1696% | 4,060 |
| Net loans and leases to core deposits | 48.2481% | 4,113 |
| Total domestic deposits to total assets | 86.7300% | 1,866 |
| Equity capital to assets | 5.6159% | 4,282 |
| Core capital (leverage) ratio | 9.1839% | 3,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7204% | 724 |
| Memoranda: | ||
| Average total assets | $364,732,000 | 2,156 |
| Average earning assets | $342,205,000 | 2,145 |
| Average equity | $20,948,000 | 2,890 |
| Average total loans | $146,622,500 | 2,749 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 3,272 |
| Cost of funding earning assets | 0.9426% | 3,429 |
| Net interest margin | 3.4592% | 2,278 |
| Noninterest income to average assets | 1.7200% | 319 |
| Noninterest expense to average assets | 3.6193% | 496 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.2597% | 1,523 |
| Return on assets (ROA) | 1.2597% | 1,492 |
| Pretax return on assets | 1.2597% | 1,982 |
| Return on Equity (ROE) | 26.0200% | 279 |
| Retained earnings to average equity (ytd only) | 18.1904% | 185 |
| Net charge-offs to loans | 0.3310% | 329 |
| Credit loss provision to net charge-offs | 73.2334% | 2,067 |
| Earnings coverage of net charge-offs (x) | 10.6274% | 2,231 |
| Efficiency ratio | 72.5087% | 1,614 |
| Assets per employee ($millions) | 3.0769% | 4,373 |
| Cash dividends to net income (ytd only)* | 30.0922% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 3,857 |
| Loan loss allowance to noncurrent loans | 157.8223% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 1,938 |
| Noncurrent loans to loans | 0.5381% | 1,449 |
| Net loans and leases to total assets | 40.5500% | 4,022 |
| Net loans and leases to deposits | 46.7688% | 4,026 |
| Net loans and leases to core deposits | 49.8387% | 4,090 |
| Total domestic deposits to total assets | 86.7100% | 1,785 |
| Equity capital to assets | 5.8721% | 4,258 |
| Core capital (leverage) ratio | 9.1940% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4375% | 740 |
| Memoranda: | ||
| Average total assets | $361,668,800 | 2,153 |
| Average earning assets | $341,726,000 | 2,121 |
| Average equity | $17,509,200 | 3,053 |
| Average total loans | $141,076,200 | 2,757 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 3,261 |
| Cost of funding earning assets | 0.8658% | 3,357 |
| Net interest margin | 3.4511% | 2,334 |
| Noninterest income to average assets | 2.0300% | 281 |
| Noninterest expense to average assets | 3.6890% | 455 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5399% | 1,044 |
| Return on assets (ROA) | 1.5399% | 1,031 |
| Pretax return on assets | 1.5399% | 1,485 |
| Return on Equity (ROE) | 33.6100% | 176 |
| Retained earnings to average equity (ytd only) | 28.3628% | 105 |
| Net charge-offs to loans | 0.3438% | 257 |
| Credit loss provision to net charge-offs | 33.9833% | 1,957 |
| Earnings coverage of net charge-offs (x) | 12.1448% | 2,078 |
| Efficiency ratio | 69.6315% | 1,831 |
| Assets per employee ($millions) | 2.8876% | 4,412 |
| Cash dividends to net income (ytd only)* | 15.6003% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,001 |
| Loan loss allowance to noncurrent loans | 156.9672% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 2,050 |
| Noncurrent loans to loans | 0.5036% | 1,556 |
| Net loans and leases to total assets | 40.2800% | 4,046 |
| Net loans and leases to deposits | 45.3286% | 4,071 |
| Net loans and leases to core deposits | 48.1674% | 4,083 |
| Total domestic deposits to total assets | 88.8600% | 1,300 |
| Equity capital to assets | 4.8665% | 4,272 |
| Core capital (leverage) ratio | 9.2742% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8324% | 718 |
| Memoranda: | ||
| Average total assets | $361,317,750 | 2,155 |
| Average earning assets | $342,024,750 | 2,127 |
| Average equity | $16,556,500 | 3,113 |
| Average total loans | $139,222,250 | 2,783 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 3,285 |
| Cost of funding earning assets | 0.7698% | 3,297 |
| Net interest margin | 3.4362% | 2,427 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 3.5528% | 506 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.3952% | 4,010 |
| Return on assets (ROA) | 0.3952% | 4,021 |
| Pretax return on assets | 0.3952% | 4,125 |
| Return on Equity (ROE) | 8.8000% | 3,033 |
| Retained earnings to average equity (ytd only) | 3.0860% | 3,453 |
| Net charge-offs to loans | 0.4578% | 184 |
| Credit loss provision to net charge-offs | 34.3949% | 1,726 |
| Earnings coverage of net charge-offs (x) | 2.6401% | 2,306 |
| Efficiency ratio | 88.5907% | 403 |
| Assets per employee ($millions) | 3.0881% | 4,423 |
| Cash dividends to net income (ytd only)* | 64.9441% | 849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 3,948 |
| Loan loss allowance to noncurrent loans | 250.5308% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1663% | 2,394 |
| Noncurrent loans to loans | 0.3318% | 1,940 |
| Net loans and leases to total assets | 38.9600% | 4,071 |
| Net loans and leases to deposits | 43.2918% | 4,128 |
| Net loans and leases to core deposits | 46.0567% | 4,128 |
| Total domestic deposits to total assets | 89.9900% | 922 |
| Equity capital to assets | 4.4372% | 4,454 |
| Core capital (leverage) ratio | 8.3793% | 4,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3484% | 906 |
| Memoranda: | ||
| Average total assets | $362,364,333 | 2,159 |
| Average earning assets | $343,986,333 | 2,124 |
| Average equity | $16,267,000 | 3,165 |
| Average total loans | $137,174,333 | 2,803 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,319 |
| Cost of funding earning assets | 0.6144% | 3,336 |
| Net interest margin | 3.4555% | 2,481 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 3.6132% | 476 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3659% | 4,143 |
| Return on assets (ROA) | 0.3659% | 4,096 |
| Pretax return on assets | 0.3659% | 4,183 |
| Return on Equity (ROE) | 8.1100% | 3,261 |
| Retained earnings to average equity (ytd only) | 0.9277% | 3,878 |
| Net charge-offs to loans | 0.7360% | 104 |
| Credit loss provision to net charge-offs | 15.7258% | 1,384 |
| Earnings coverage of net charge-offs (x) | 1.5161% | 1,965 |
| Efficiency ratio | 89.7099% | 366 |
| Assets per employee ($millions) | 3.1765% | 4,473 |
| Cash dividends to net income (ytd only)* | 88.5542% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 3,911 |
| Loan loss allowance to noncurrent loans | 169.4524% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 2,008 |
| Noncurrent loans to loans | 0.5174% | 1,432 |
| Net loans and leases to total assets | 36.0800% | 4,189 |
| Net loans and leases to deposits | 39.2101% | 4,246 |
| Net loans and leases to core deposits | 41.6050% | 4,226 |
| Total domestic deposits to total assets | 92.0300% | 508 |
| Equity capital to assets | 4.8633% | 4,440 |
| Core capital (leverage) ratio | 8.3687% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7230% | 880 |
| Memoranda: | ||
| Average total assets | $362,893,500 | 2,187 |
| Average earning assets | $345,075,000 | 2,147 |
| Average equity | $16,384,500 | 3,183 |
| Average total loans | $134,790,000 | 2,856 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 1,979 |
| Cost of funding earning assets | 0.1725% | 3,981 |
| Net interest margin | 3.7290% | 1,308 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 3.5113% | 487 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.8871% | 3,017 |
| Return on assets (ROA) | 0.8871% | 2,960 |
| Pretax return on assets | 0.8257% | 3,560 |
| Return on Equity (ROE) | 15.5800% | 1,129 |
| Retained earnings to average equity (ytd only) | 4.1760% | 3,336 |
| Net charge-offs to loans | 0.2748% | 283 |
| Credit loss provision to net charge-offs | 73.7892% | 1,709 |
| Earnings coverage of net charge-offs (x) | 9.1282% | 2,235 |
| Efficiency ratio | 79.6287% | 745 |
| Assets per employee ($millions) | 2.8816% | 4,543 |
| Cash dividends to net income (ytd only)* | 73.1985% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0225% | 3,247 |
| Loan loss allowance to noncurrent loans | 204.8817% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 2,023 |
| Noncurrent loans to loans | 0.4991% | 1,449 |
| Net loans and leases to total assets | 37.5200% | 4,161 |
| Net loans and leases to deposits | 39.3952% | 4,264 |
| Net loans and leases to core deposits | 40.8143% | 4,256 |
| Total domestic deposits to total assets | 95.2400% | 125 |
| Equity capital to assets | 4.1557% | 4,501 |
| Core capital (leverage) ratio | 8.3187% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6228% | 881 |
| Memoranda: | ||
| Average total assets | $356,680,600 | 2,198 |
| Average earning assets | $339,795,000 | 2,154 |
| Average equity | $20,306,600 | 2,929 |
| Average total loans | $127,717,600 | 2,853 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 1,785 |
| Cost of funding earning assets | 0.1032% | 4,255 |
| Net interest margin | 3.6890% | 1,168 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 3.5356% | 471 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8762% | 2,978 |
| Return on assets (ROA) | 0.8762% | 2,947 |
| Pretax return on assets | 0.7943% | 3,593 |
| Return on Equity (ROE) | 14.4200% | 1,316 |
| Retained earnings to average equity (ytd only) | 4.6143% | 3,236 |
| Net charge-offs to loans | 0.1516% | 432 |
| Credit loss provision to net charge-offs | 104.8951% | 1,295 |
| Earnings coverage of net charge-offs (x) | 15.9021% | 1,831 |
| Efficiency ratio | 80.6105% | 734 |
| Assets per employee ($millions) | 2.8378% | 4,587 |
| Cash dividends to net income (ytd only)* | 67.9898% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 2,895 |
| Loan loss allowance to noncurrent loans | 185.5000% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2237% | 2,111 |
| Noncurrent loans to loans | 0.6078% | 1,334 |
| Net loans and leases to total assets | 36.3900% | 4,210 |
| Net loans and leases to deposits | 38.5831% | 4,289 |
| Net loans and leases to core deposits | 39.7419% | 4,283 |
| Total domestic deposits to total assets | 94.3300% | 313 |
| Equity capital to assets | 4.1431% | 4,462 |
| Core capital (leverage) ratio | 8.5099% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2214% | 828 |
| Memoranda: | ||
| Average total assets | $356,521,750 | 2,207 |
| Average earning assets | $339,778,250 | 2,164 |
| Average equity | $21,671,000 | 2,847 |
| Average total loans | $125,785,500 | 2,873 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 1,627 |
| Cost of funding earning assets | 0.0972% | 4,216 |
| Net interest margin | 3.5707% | 1,129 |
| Noninterest income to average assets | 0.9501% | 750 |
| Noninterest expense to average assets | 3.5292% | 432 |
| Loan and lease loss provision to assets | 0.0545% | 1,601 |
| Net operating income to assets | 0.8917% | 2,616 |
| Return on assets (ROA) | 0.8917% | 2,591 |
| Pretax return on assets | 0.7687% | 3,411 |
| Return on Equity (ROE) | 13.2573% | 1,306 |
| Retained earnings to average equity (ytd only) | 5.2428% | 2,614 |
| Net charge-offs to loans | 0.1518% | 424 |
| Credit loss provision to net charge-offs | 103.1915% | 1,258 |
| Earnings coverage of net charge-offs (x) | 15.5957% | 1,635 |
| Efficiency ratio | 81.0863% | 869 |
| Assets per employee ($millions) | 2.7718% | 4,642 |
| Cash dividends to net income (ytd only)* | 60.4534% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,846 |
| Loan loss allowance to noncurrent loans | 75.3181% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 1,023 |
| Noncurrent loans to loans | 1.5542% | 474 |
| Net loans and leases to total assets | 35.4969% | 4,271 |
| Net loans and leases to deposits | 37.5337% | 4,354 |
| Net loans and leases to core deposits | 38.4426% | 4,372 |
| Total domestic deposits to total assets | 94.5733% | 192 |
| Equity capital to assets | 5.2864% | 4,421 |
| Core capital (leverage) ratio | 8.3813% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4924% | 787 |
| Memoranda: | ||
| Average total assets | $356,175,000 | 2,222 |
| Average earning assets | $339,377,667 | 2,187 |
| Average equity | $23,956,667 | 2,749 |
| Average total loans | $123,841,667 | 2,906 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 1,680 |
| Cost of funding earning assets | 0.0972% | 4,167 |
| Net interest margin | 3.4392% | 1,209 |
| Noninterest income to average assets | 0.8575% | 915 |
| Noninterest expense to average assets | 3.5740% | 396 |
| Loan and lease loss provision to assets | 0.0212% | 1,972 |
| Net operating income to assets | 0.7849% | 2,713 |
| Return on assets (ROA) | 0.7849% | 2,708 |
| Pretax return on assets | 0.5404% | 3,785 |
| Return on Equity (ROE) | 10.5593% | 1,778 |
| Retained earnings to average equity (ytd only) | 3.2144% | 3,191 |
| Net charge-offs to loans | 0.1306% | 431 |
| Credit loss provision to net charge-offs | 47.5000% | 1,205 |
| Earnings coverage of net charge-offs (x) | 12.5750% | 1,411 |
| Efficiency ratio | 86.4201% | 714 |
| Assets per employee ($millions) | 2.8236% | 4,670 |
| Cash dividends to net income (ytd only)* | 69.5590% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 2,958 |
| Loan loss allowance to noncurrent loans | 82.2599% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4936% | 1,216 |
| Noncurrent loans to loans | 1.4347% | 585 |
| Net loans and leases to total assets | 33.9975% | 4,308 |
| Net loans and leases to deposits | 36.4036% | 4,372 |
| Net loans and leases to core deposits | 37.2008% | 4,395 |
| Total domestic deposits to total assets | 93.3904% | 184 |
| Equity capital to assets | 6.4945% | 4,429 |
| Core capital (leverage) ratio | 8.4349% | 3,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $358,254,000 | 2,215 |
| Average earning assets | $341,479,500 | 2,180 |
| Average equity | $26,630,500 | 2,674 |
| Average total loans | $122,545,000 | 2,925 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 2,402 |
| Cost of funding earning assets | 0.1238% | 4,195 |
| Net interest margin | 3.4720% | 1,824 |
| Noninterest income to average assets | 1.5368% | 477 |
| Noninterest expense to average assets | 3.4213% | 527 |
| Loan and lease loss provision to assets | 0.1003% | 1,246 |
| Net operating income to assets | 0.9917% | 2,706 |
| Return on assets (ROA) | 0.9917% | 2,774 |
| Pretax return on assets | 1.3231% | 2,287 |
| Return on Equity (ROE) | 11.5256% | 1,976 |
| Retained earnings to average equity (ytd only) | 5.9576% | 2,380 |
| Net charge-offs to loans | 0.1038% | 837 |
| Credit loss provision to net charge-offs | 271.5385% | 1,124 |
| Earnings coverage of net charge-offs (x) | 38.5308% | 1,461 |
| Efficiency ratio | 70.6200% | 1,664 |
| Assets per employee ($millions) | 2.8406% | 4,711 |
| Cash dividends to net income (ytd only)* | 48.3095% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,814 |
| Loan loss allowance to noncurrent loans | 403.8251% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 3,221 |
| Noncurrent loans to loans | 0.3007% | 2,518 |
| Net loans and leases to total assets | 33.5955% | 4,389 |
| Net loans and leases to deposits | 36.7344% | 4,451 |
| Net loans and leases to core deposits | 37.5571% | 4,475 |
| Total domestic deposits to total assets | 91.4551% | 328 |
| Equity capital to assets | 8.3741% | 4,131 |
| Core capital (leverage) ratio | 8.4473% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $351,909,400 | 2,189 |
| Average earning assets | $335,281,000 | 2,160 |
| Average equity | $30,280,400 | 2,516 |
| Average total loans | $125,183,000 | 2,904 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 2,639 |
| Cost of funding earning assets | 0.1314% | 4,255 |
| Net interest margin | 3.4370% | 2,052 |
| Noninterest income to average assets | 1.7058% | 437 |
| Noninterest expense to average assets | 3.4081% | 525 |
| Loan and lease loss provision to assets | 0.0123% | 2,745 |
| Net operating income to assets | 1.2564% | 1,964 |
| Return on assets (ROA) | 1.2564% | 2,031 |
| Pretax return on assets | 1.5593% | 1,827 |
| Return on Equity (ROE) | 14.5024% | 1,257 |
| Retained earnings to average equity (ytd only) | 8.4414% | 1,896 |
| Net charge-offs to loans | 0.0688% | 958 |
| Credit loss provision to net charge-offs | 49.2308% | 1,864 |
| Earnings coverage of net charge-offs (x) | 63.5385% | 1,109 |
| Efficiency ratio | 68.4420% | 1,770 |
| Assets per employee ($millions) | 2.8834% | 4,771 |
| Cash dividends to net income (ytd only)* | 41.7929% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,841 |
| Loan loss allowance to noncurrent loans | 296.3592% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,352 |
| Noncurrent loans to loans | 0.3377% | 2,572 |
| Net loans and leases to total assets | 33.2423% | 4,500 |
| Net loans and leases to deposits | 36.5359% | 4,561 |
| Net loans and leases to core deposits | 37.3481% | 4,585 |
| Total domestic deposits to total assets | 90.9853% | 376 |
| Equity capital to assets | 8.6258% | 4,118 |
| Core capital (leverage) ratio | 8.5506% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $350,409,000 | 2,218 |
| Average earning assets | $333,775,750 | 2,188 |
| Average equity | $30,357,500 | 2,541 |
| Average total loans | $126,048,750 | 2,934 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5958% | 2,633 |
| Cost of funding earning assets | 0.1444% | 4,256 |
| Net interest margin | 3.4513% | 2,002 |
| Noninterest income to average assets | 1.0378% | 1,014 |
| Noninterest expense to average assets | 3.4579% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7165% | 3,719 |
| Return on assets (ROA) | 0.7165% | 3,784 |
| Pretax return on assets | 0.8662% | 3,733 |
| Return on Equity (ROE) | 8.2582% | 3,334 |
| Retained earnings to average equity (ytd only) | 2.5840% | 3,973 |
| Net charge-offs to loans | 0.0424% | 1,215 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 55.5185% | 1,012 |
| Efficiency ratio | 79.9679% | 785 |
| Assets per employee ($millions) | 2.8361% | 4,810 |
| Cash dividends to net income (ytd only)* | 68.7097% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,872 |
| Loan loss allowance to noncurrent loans | 323.7467% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,504 |
| Noncurrent loans to loans | 0.3037% | 2,837 |
| Net loans and leases to total assets | 35.1334% | 4,494 |
| Net loans and leases to deposits | 38.5930% | 4,563 |
| Net loans and leases to core deposits | 39.5138% | 4,590 |
| Total domestic deposits to total assets | 91.0357% | 362 |
| Equity capital to assets | 8.5207% | 4,191 |
| Core capital (leverage) ratio | 8.2116% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $346,110,333 | 2,221 |
| Average earning assets | $329,552,333 | 2,192 |
| Average equity | $30,030,667 | 2,551 |
| Average total loans | $127,401,000 | 2,928 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5881% | 2,680 |
| Cost of funding earning assets | 0.1688% | 4,172 |
| Net interest margin | 3.4192% | 2,061 |
| Noninterest income to average assets | 1.1231% | 946 |
| Noninterest expense to average assets | 3.4929% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7340% | 3,618 |
| Return on assets (ROA) | 0.7340% | 3,687 |
| Pretax return on assets | 0.8866% | 3,635 |
| Return on Equity (ROE) | 8.3823% | 3,219 |
| Retained earnings to average equity (ytd only) | 2.9537% | 3,798 |
| Net charge-offs to loans | 0.0590% | 927 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 40.0526% | 980 |
| Efficiency ratio | 79.7553% | 836 |
| Assets per employee ($millions) | 2.7546% | 4,848 |
| Cash dividends to net income (ytd only)* | 64.7619% | 802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,909 |
| Loan loss allowance to noncurrent loans | 361.1111% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 3,645 |
| Noncurrent loans to loans | 0.2721% | 3,133 |
| Net loans and leases to total assets | 35.8564% | 4,508 |
| Net loans and leases to deposits | 39.3141% | 4,587 |
| Net loans and leases to core deposits | 40.3921% | 4,613 |
| Total domestic deposits to total assets | 91.2049% | 328 |
| Equity capital to assets | 8.4721% | 4,139 |
| Core capital (leverage) ratio | 8.5652% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $343,328,500 | 2,221 |
| Average earning assets | $326,973,000 | 2,188 |
| Average equity | $30,063,500 | 2,536 |
| Average total loans | $128,710,500 | 2,914 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 2,379 |
| Cost of funding earning assets | 0.3262% | 3,998 |
| Net interest margin | 3.7885% | 1,533 |
| Noninterest income to average assets | 1.0196% | 1,015 |
| Noninterest expense to average assets | 3.7399% | 502 |
| Loan and lease loss provision to assets | 0.0677% | 3,532 |
| Net operating income to assets | 0.6752% | 3,505 |
| Return on assets (ROA) | 0.6943% | 3,584 |
| Pretax return on assets | 0.8395% | 3,531 |
| Return on Equity (ROE) | 7.3775% | 3,041 |
| Retained earnings to average equity (ytd only) | 0.8194% | 4,284 |
| Net charge-offs to loans | 0.2202% | 789 |
| Credit loss provision to net charge-offs | 78.3394% | 2,997 |
| Earnings coverage of net charge-offs (x) | 10.2238% | 2,475 |
| Efficiency ratio | 80.8791% | 826 |
| Assets per employee ($millions) | 2.6121% | 4,881 |
| Cash dividends to net income (ytd only)* | 88.8939% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,029 |
| Loan loss allowance to noncurrent loans | 182.0029% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.2671% | 2,967 |
| Noncurrent loans to loans | 0.5230% | 2,410 |
| Net loans and leases to total assets | 38.4248% | 4,503 |
| Net loans and leases to deposits | 42.4936% | 4,579 |
| Net loans and leases to core deposits | 43.6609% | 4,614 |
| Total domestic deposits to total assets | 90.4249% | 408 |
| Equity capital to assets | 9.0471% | 4,015 |
| Core capital (leverage) ratio | 8.6194% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,306,200 | 2,193 |
| Average earning assets | $304,736,000 | 2,150 |
| Average equity | $30,145,600 | 2,472 |
| Average total loans | $125,801,200 | 2,913 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 2,473 |
| Cost of funding earning assets | 0.3580% | 4,013 |
| Net interest margin | 3.8093% | 1,595 |
| Noninterest income to average assets | 1.0075% | 1,011 |
| Noninterest expense to average assets | 3.7689% | 472 |
| Loan and lease loss provision to assets | 0.0428% | 3,819 |
| Net operating income to assets | 0.6597% | 3,597 |
| Return on assets (ROA) | 0.6851% | 3,614 |
| Pretax return on assets | 0.8473% | 3,523 |
| Return on Equity (ROE) | 7.2039% | 3,119 |
| Retained earnings to average equity (ytd only) | 2.4976% | 3,746 |
| Net charge-offs to loans | 0.2317% | 660 |
| Credit loss provision to net charge-offs | 47.2222% | 2,898 |
| Earnings coverage of net charge-offs (x) | 9.4074% | 2,429 |
| Efficiency ratio | 81.4429% | 759 |
| Assets per employee ($millions) | 2.5634% | 4,917 |
| Cash dividends to net income (ytd only)* | 65.3300% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,948 |
| Loan loss allowance to noncurrent loans | 158.3113% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 2,994 |
| Noncurrent loans to loans | 0.5914% | 2,320 |
| Net loans and leases to total assets | 37.8085% | 4,617 |
| Net loans and leases to deposits | 41.9699% | 4,698 |
| Net loans and leases to core deposits | 43.1374% | 4,727 |
| Total domestic deposits to total assets | 90.0849% | 395 |
| Equity capital to assets | 9.2930% | 3,864 |
| Core capital (leverage) ratio | 8.6363% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,488,250 | 2,193 |
| Average earning assets | $299,818,750 | 2,156 |
| Average equity | $30,001,500 | 2,472 |
| Average total loans | $124,317,500 | 2,939 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3254% | 2,406 |
| Cost of funding earning assets | 0.3841% | 4,110 |
| Net interest margin | 3.9413% | 1,466 |
| Noninterest income to average assets | 0.9024% | 1,164 |
| Noninterest expense to average assets | 3.8249% | 488 |
| Loan and lease loss provision to assets | 0.0473% | 3,708 |
| Net operating income to assets | 0.6239% | 3,658 |
| Return on assets (ROA) | 0.6239% | 3,736 |
| Pretax return on assets | 0.7729% | 3,665 |
| Return on Equity (ROE) | 6.5068% | 3,331 |
| Retained earnings to average equity (ytd only) | 1.7432% | 3,857 |
| Net charge-offs to loans | 0.2926% | 543 |
| Credit loss provision to net charge-offs | 40.5556% | 2,668 |
| Earnings coverage of net charge-offs (x) | 7.0333% | 2,397 |
| Efficiency ratio | 82.3431% | 737 |
| Assets per employee ($millions) | 2.5323% | 4,953 |
| Cash dividends to net income (ytd only)* | 73.2087% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,829 |
| Loan loss allowance to noncurrent loans | 105.3229% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 2,733 |
| Noncurrent loans to loans | 0.8940% | 1,709 |
| Net loans and leases to total assets | 38.2796% | 4,656 |
| Net loans and leases to deposits | 42.4462% | 4,736 |
| Net loans and leases to core deposits | 43.6071% | 4,758 |
| Total domestic deposits to total assets | 90.1837% | 349 |
| Equity capital to assets | 9.2282% | 3,899 |
| Core capital (leverage) ratio | 8.9975% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,717,667 | 2,202 |
| Average earning assets | $293,149,333 | 2,165 |
| Average equity | $29,600,000 | 2,491 |
| Average total loans | $123,036,333 | 2,939 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 1,638 |
| Cost of funding earning assets | 0.4187% | 4,293 |
| Net interest margin | 4.3050% | 757 |
| Noninterest income to average assets | 0.9475% | 961 |
| Noninterest expense to average assets | 4.0429% | 487 |
| Loan and lease loss provision to assets | 0.0713% | 2,845 |
| Net operating income to assets | 0.7402% | 3,131 |
| Return on assets (ROA) | 0.7402% | 3,210 |
| Pretax return on assets | 0.9152% | 3,096 |
| Return on Equity (ROE) | 7.5618% | 2,706 |
| Retained earnings to average equity (ytd only) | 1.7461% | 3,534 |
| Net charge-offs to loans | 0.3387% | 425 |
| Credit loss provision to net charge-offs | 51.9608% | 2,049 |
| Earnings coverage of net charge-offs (x) | 7.1863% | 1,938 |
| Efficiency ratio | 80.3853% | 1,102 |
| Assets per employee ($millions) | 2.2585% | 4,996 |
| Cash dividends to net income (ytd only)* | 76.9091% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 3,417 |
| Loan loss allowance to noncurrent loans | 146.5817% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 3,096 |
| Noncurrent loans to loans | 0.7202% | 2,197 |
| Net loans and leases to total assets | 39.4702% | 4,684 |
| Net loans and leases to deposits | 43.9996% | 4,763 |
| Net loans and leases to core deposits | 45.5303% | 4,784 |
| Total domestic deposits to total assets | 89.7059% | 415 |
| Equity capital to assets | 9.8783% | 3,898 |
| Core capital (leverage) ratio | 9.7111% | 3,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,210,000 | 2,226 |
| Average earning assets | $281,813,000 | 2,189 |
| Average equity | $29,093,500 | 2,508 |
| Average total loans | $120,458,000 | 2,947 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 1,923 |
| Cost of funding earning assets | 0.4350% | 4,321 |
| Net interest margin | 4.4062% | 885 |
| Noninterest income to average assets | 1.0935% | 797 |
| Noninterest expense to average assets | 4.0136% | 524 |
| Loan and lease loss provision to assets | 0.1361% | 1,569 |
| Net operating income to assets | 0.9121% | 3,159 |
| Return on assets (ROA) | 0.9121% | 3,237 |
| Pretax return on assets | 1.1267% | 3,090 |
| Return on Equity (ROE) | 9.8415% | 2,365 |
| Retained earnings to average equity (ytd only) | 1.4431% | 4,227 |
| Net charge-offs to loans | 0.3835% | 508 |
| Credit loss provision to net charge-offs | 89.2308% | 2,663 |
| Earnings coverage of net charge-offs (x) | 8.2791% | 2,787 |
| Efficiency ratio | 76.0673% | 1,357 |
| Assets per employee ($millions) | 2.2276% | 5,059 |
| Cash dividends to net income (ytd only)* | 85.3363% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,032 |
| Loan loss allowance to noncurrent loans | 164.2500% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,167 |
| Noncurrent loans to loans | 0.6607% | 2,236 |
| Net loans and leases to total assets | 40.7347% | 4,707 |
| Net loans and leases to deposits | 45.2749% | 4,802 |
| Net loans and leases to core deposits | 46.9291% | 4,813 |
| Total domestic deposits to total assets | 89.9719% | 329 |
| Equity capital to assets | 9.6975% | 4,183 |
| Core capital (leverage) ratio | 9.4625% | 4,097 |
| Tier 1 risk-based capital ratio | 20.6696% | 1,227 |
| Total risk-based capital ratio | 21.6280% | 1,240 |
| Memoranda: | ||
| Average total assets | $298,313,200 | 2,168 |
| Average earning assets | $283,190,600 | 2,126 |
| Average equity | $27,648,200 | 2,516 |
| Average total loans | $118,645,600 | 2,956 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 2,160 |
| Cost of funding earning assets | 0.4256% | 4,416 |
| Net interest margin | 4.3634% | 1,026 |
| Noninterest income to average assets | 0.9914% | 951 |
| Noninterest expense to average assets | 3.9721% | 545 |
| Loan and lease loss provision to assets | 0.1127% | 1,737 |
| Net operating income to assets | 0.8662% | 3,465 |
| Return on assets (ROA) | 0.8662% | 3,543 |
| Pretax return on assets | 1.0484% | 3,449 |
| Return on Equity (ROE) | 9.4536% | 2,693 |
| Retained earnings to average equity (ytd only) | 2.3525% | 4,155 |
| Net charge-offs to loans | 0.3739% | 450 |
| Credit loss provision to net charge-offs | 76.4350% | 2,547 |
| Earnings coverage of net charge-offs (x) | 7.8762% | 2,705 |
| Efficiency ratio | 77.3816% | 1,169 |
| Assets per employee ($millions) | 2.2135% | 5,138 |
| Cash dividends to net income (ytd only)* | 75.1156% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,103 |
| Loan loss allowance to noncurrent loans | 204.9442% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 3,426 |
| Noncurrent loans to loans | 0.5298% | 2,698 |
| Net loans and leases to total assets | 38.8851% | 4,853 |
| Net loans and leases to deposits | 43.1692% | 4,928 |
| Net loans and leases to core deposits | 44.5647% | 4,947 |
| Total domestic deposits to total assets | 90.0759% | 270 |
| Equity capital to assets | 9.5570% | 4,416 |
| Core capital (leverage) ratio | 9.4357% | 4,240 |
| Tier 1 risk-based capital ratio | 21.4156% | 1,138 |
| Total risk-based capital ratio | 22.3838% | 1,156 |
| Memoranda: | ||
| Average total assets | $299,380,500 | 2,186 |
| Average earning assets | $284,172,000 | 2,137 |
| Average equity | $27,431,500 | 2,548 |
| Average total loans | $118,034,000 | 2,993 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 2,228 |
| Cost of funding earning assets | 0.4118% | 4,459 |
| Net interest margin | 4.3379% | 1,071 |
| Noninterest income to average assets | 0.9832% | 903 |
| Noninterest expense to average assets | 3.9829% | 550 |
| Loan and lease loss provision to assets | 0.0984% | 1,899 |
| Net operating income to assets | 0.8440% | 3,492 |
| Return on assets (ROA) | 0.8440% | 3,551 |
| Pretax return on assets | 1.0193% | 3,476 |
| Return on Equity (ROE) | 9.3458% | 2,705 |
| Retained earnings to average equity (ytd only) | 2.3865% | 3,986 |
| Net charge-offs to loans | 0.3188% | 536 |
| Credit loss provision to net charge-offs | 78.1915% | 2,242 |
| Earnings coverage of net charge-offs (x) | 8.8830% | 2,376 |
| Efficiency ratio | 78.0869% | 1,138 |
| Assets per employee ($millions) | 2.1926% | 5,188 |
| Cash dividends to net income (ytd only)* | 74.4647% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 2,916 |
| Loan loss allowance to noncurrent loans | 172.1354% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.3053% | 3,321 |
| Noncurrent loans to loans | 0.6553% | 2,315 |
| Net loans and leases to total assets | 38.5725% | 4,891 |
| Net loans and leases to deposits | 42.7927% | 4,980 |
| Net loans and leases to core deposits | 44.1305% | 4,996 |
| Total domestic deposits to total assets | 90.1379% | 299 |
| Equity capital to assets | 9.5019% | 4,401 |
| Core capital (leverage) ratio | 9.1111% | 4,539 |
| Tier 1 risk-based capital ratio | 21.6197% | 1,104 |
| Total risk-based capital ratio | 22.6310% | 1,111 |
| Memoranda: | ||
| Average total assets | $298,828,670 | 2,191 |
| Average earning assets | $283,640,330 | 2,144 |
| Average equity | $26,985,330 | 2,569 |
| Average total loans | $117,931,000 | 3,007 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6954% | 2,242 |
| Cost of funding earning assets | 0.3934% | 4,513 |
| Net interest margin | 4.3020% | 1,087 |
| Noninterest income to average assets | 0.9757% | 867 |
| Noninterest expense to average assets | 3.9913% | 549 |
| Loan and lease loss provision to assets | 0.0819% | 2,064 |
| Net operating income to assets | 0.8120% | 3,574 |
| Return on assets (ROA) | 0.8120% | 3,612 |
| Pretax return on assets | 0.9824% | 3,502 |
| Return on Equity (ROE) | 9.2344% | 2,697 |
| Retained earnings to average equity (ytd only) | 2.6406% | 3,876 |
| Net charge-offs to loans | 0.3652% | 428 |
| Credit loss provision to net charge-offs | 56.4815% | 1,931 |
| Earnings coverage of net charge-offs (x) | 7.3426% | 2,142 |
| Efficiency ratio | 78.9488% | 1,165 |
| Assets per employee ($millions) | 2.1881% | 5,246 |
| Cash dividends to net income (ytd only)* | 71.4050% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 2,997 |
| Loan loss allowance to noncurrent loans | 176.8817% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,439 |
| Noncurrent loans to loans | 0.6349% | 2,424 |
| Net loans and leases to total assets | 38.3726% | 4,944 |
| Net loans and leases to deposits | 42.1809% | 5,036 |
| Net loans and leases to core deposits | 43.2970% | 5,053 |
| Total domestic deposits to total assets | 90.9715% | 178 |
| Equity capital to assets | 8.8391% | 4,795 |
| Core capital (leverage) ratio | 9.5604% | 4,066 |
| Tier 1 risk-based capital ratio | 21.6533% | 1,090 |
| Total risk-based capital ratio | 22.6669% | 1,099 |
| Memoranda: | ||
| Average total assets | $298,046,500 | 2,207 |
| Average earning assets | $282,662,000 | 2,158 |
| Average equity | $26,206,500 | 2,623 |
| Average total loans | $118,301,000 | 3,038 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7802% | 1,596 |
| Cost of funding earning assets | 0.2876% | 4,629 |
| Net interest margin | 4.4927% | 772 |
| Noninterest income to average assets | 1.0351% | 878 |
| Noninterest expense to average assets | 4.1265% | 449 |
| Loan and lease loss provision to assets | 0.1277% | 1,720 |
| Net operating income to assets | 0.8765% | 3,515 |
| Return on assets (ROA) | 0.8757% | 3,510 |
| Pretax return on assets | 1.0434% | 3,463 |
| Return on Equity (ROE) | 9.9803% | 2,524 |
| Retained earnings to average equity (ytd only) | 1.0499% | 4,695 |
| Net charge-offs to loans | 0.3491% | 542 |
| Credit loss provision to net charge-offs | 92.7318% | 2,685 |
| Earnings coverage of net charge-offs (x) | 8.5138% | 2,891 |
| Efficiency ratio | 77.8798% | 1,140 |
| Assets per employee ($millions) | 2.1470% | 5,296 |
| Cash dividends to net income (ytd only)* | 89.4799% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 2,873 |
| Loan loss allowance to noncurrent loans | 151.7817% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3512% | 3,144 |
| Noncurrent loans to loans | 0.7520% | 2,120 |
| Net loans and leases to total assets | 40.1359% | 4,943 |
| Net loans and leases to deposits | 44.0696% | 5,027 |
| Net loans and leases to core deposits | 45.3799% | 5,054 |
| Total domestic deposits to total assets | 91.0739% | 186 |
| Equity capital to assets | 8.7452% | 4,770 |
| Core capital (leverage) ratio | 9.4191% | 4,215 |
| Tier 1 risk-based capital ratio | 21.2977% | 1,126 |
| Total risk-based capital ratio | 22.3367% | 1,130 |
| Memoranda: | ||
| Average total assets | $289,832,600 | 2,210 |
| Average earning assets | $275,048,800 | 2,163 |
| Average equity | $25,430,200 | 2,614 |
| Average total loans | $114,304,800 | 3,074 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 1,645 |
| Cost of funding earning assets | 0.2563% | 4,754 |
| Net interest margin | 4.4531% | 815 |
| Noninterest income to average assets | 1.0121% | 938 |
| Noninterest expense to average assets | 4.1252% | 443 |
| Loan and lease loss provision to assets | 0.1154% | 1,754 |
| Net operating income to assets | 0.8496% | 3,745 |
| Return on assets (ROA) | 0.8496% | 3,750 |
| Pretax return on assets | 1.0001% | 3,719 |
| Return on Equity (ROE) | 9.6749% | 2,764 |
| Retained earnings to average equity (ytd only) | 2.2452% | 4,482 |
| Net charge-offs to loans | 0.3468% | 475 |
| Credit loss provision to net charge-offs | 85.0340% | 2,471 |
| Earnings coverage of net charge-offs (x) | 8.2177% | 2,736 |
| Efficiency ratio | 78.7137% | 1,053 |
| Assets per employee ($millions) | 2.0837% | 5,372 |
| Cash dividends to net income (ytd only)* | 76.7934% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1369% | 2,988 |
| Loan loss allowance to noncurrent loans | 180.4552% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,444 |
| Noncurrent loans to loans | 0.6300% | 2,507 |
| Net loans and leases to total assets | 40.7626% | 5,007 |
| Net loans and leases to deposits | 45.3657% | 5,073 |
| Net loans and leases to core deposits | 46.4483% | 5,098 |
| Total domestic deposits to total assets | 89.8534% | 558 |
| Equity capital to assets | 8.5615% | 4,885 |
| Core capital (leverage) ratio | 9.6434% | 3,995 |
| Tier 1 risk-based capital ratio | 21.0749% | 1,175 |
| Total risk-based capital ratio | 22.0860% | 1,183 |
| Memoranda: | ||
| Average total assets | $288,756,250 | 2,226 |
| Average earning assets | $274,198,000 | 2,178 |
| Average equity | $25,357,000 | 2,630 |
| Average total loans | $113,026,500 | 3,123 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 1,666 |
| Cost of funding earning assets | 0.2232% | 4,899 |
| Net interest margin | 4.4173% | 818 |
| Noninterest income to average assets | 1.0001% | 963 |
| Noninterest expense to average assets | 4.1120% | 465 |
| Loan and lease loss provision to assets | 0.1017% | 1,914 |
| Net operating income to assets | 0.8404% | 3,720 |
| Return on assets (ROA) | 0.8404% | 3,717 |
| Pretax return on assets | 0.9898% | 3,694 |
| Return on Equity (ROE) | 9.4911% | 2,808 |
| Retained earnings to average equity (ytd only) | 2.2966% | 4,360 |
| Net charge-offs to loans | 0.3454% | 464 |
| Credit loss provision to net charge-offs | 76.5625% | 2,295 |
| Earnings coverage of net charge-offs (x) | 8.2188% | 2,494 |
| Efficiency ratio | 79.0243% | 1,115 |
| Assets per employee ($millions) | 2.1249% | 5,429 |
| Cash dividends to net income (ytd only)* | 75.8025% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,836 |
| Loan loss allowance to noncurrent loans | 224.8748% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 3,728 |
| Noncurrent loans to loans | 0.5246% | 2,848 |
| Net loans and leases to total assets | 39.3321% | 5,075 |
| Net loans and leases to deposits | 43.8434% | 5,148 |
| Net loans and leases to core deposits | 44.8397% | 5,178 |
| Total domestic deposits to total assets | 89.7106% | 663 |
| Equity capital to assets | 8.7399% | 4,768 |
| Core capital (leverage) ratio | 9.5265% | 4,087 |
| Tier 1 risk-based capital ratio | 21.6856% | 1,077 |
| Total risk-based capital ratio | 22.7301% | 1,080 |
| Memoranda: | ||
| Average total assets | $289,156,670 | 2,233 |
| Average earning assets | $275,146,670 | 2,189 |
| Average equity | $25,603,000 | 2,616 |
| Average total loans | $111,181,000 | 3,159 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 1,763 |
| Cost of funding earning assets | 0.1983% | 5,027 |
| Net interest margin | 4.3345% | 893 |
| Noninterest income to average assets | 0.9493% | 1,022 |
| Noninterest expense to average assets | 4.0867% | 477 |
| Loan and lease loss provision to assets | 0.0620% | 2,537 |
| Net operating income to assets | 0.7854% | 3,770 |
| Return on assets (ROA) | 0.7854% | 3,764 |
| Pretax return on assets | 0.9259% | 3,762 |
| Return on Equity (ROE) | 8.8136% | 2,999 |
| Retained earnings to average equity (ytd only) | 2.6441% | 4,121 |
| Net charge-offs to loans | 0.4157% | 373 |
| Credit loss provision to net charge-offs | 39.4737% | 2,019 |
| Earnings coverage of net charge-offs (x) | 6.2895% | 2,168 |
| Efficiency ratio | 80.5322% | 1,084 |
| Assets per employee ($millions) | 2.1147% | 5,488 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 2,932 |
| Loan loss allowance to noncurrent loans | 211.3419% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2645% | 3,809 |
| Noncurrent loans to loans | 0.5585% | 2,859 |
| Net loans and leases to total assets | 37.9533% | 5,140 |
| Net loans and leases to deposits | 41.6046% | 5,232 |
| Net loans and leases to core deposits | 42.8858% | 5,242 |
| Total domestic deposits to total assets | 91.2237% | 250 |
| Equity capital to assets | 8.6777% | 4,835 |
| Core capital (leverage) ratio | 9.5402% | 4,020 |
| Tier 1 risk-based capital ratio | 21.7707% | 1,090 |
| Total risk-based capital ratio | 22.8052% | 1,092 |
| Memoranda: | ||
| Average total assets | $290,306,500 | 2,247 |
| Average earning assets | $276,292,000 | 2,202 |
| Average equity | $25,869,000 | 2,628 |
| Average total loans | $109,684,500 | 3,197 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 1,705 |
| Cost of funding earning assets | 0.2021% | 4,938 |
| Net interest margin | 4.2976% | 964 |
| Noninterest income to average assets | 1.0129% | 989 |
| Noninterest expense to average assets | 4.0047% | 531 |
| Loan and lease loss provision to assets | 0.1168% | 1,946 |
| Net operating income to assets | 0.7134% | 3,543 |
| Return on assets (ROA) | 0.7230% | 3,546 |
| Pretax return on assets | 0.9954% | 3,592 |
| Return on Equity (ROE) | 8.0829% | 2,759 |
| Retained earnings to average equity (ytd only) | 1.2453% | 4,527 |
| Net charge-offs to loans | 0.4292% | 568 |
| Credit loss provision to net charge-offs | 79.1762% | 2,953 |
| Earnings coverage of net charge-offs (x) | 7.4508% | 3,038 |
| Efficiency ratio | 78.4670% | 1,287 |
| Assets per employee ($millions) | 2.0926% | 5,554 |
| Cash dividends to net income (ytd only)* | 84.5938% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,227 |
| Loan loss allowance to noncurrent loans | 168.5230% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3366% | 3,519 |
| Noncurrent loans to loans | 0.7699% | 2,286 |
| Net loans and leases to total assets | 36.6694% | 5,265 |
| Net loans and leases to deposits | 40.4118% | 5,332 |
| Net loans and leases to core deposits | 41.8151% | 5,343 |
| Total domestic deposits to total assets | 90.7394% | 326 |
| Equity capital to assets | 9.1467% | 4,581 |
| Core capital (leverage) ratio | 9.3670% | 4,207 |
| Tier 1 risk-based capital ratio | 22.5091% | 963 |
| Total risk-based capital ratio | 23.6414% | 950 |
| Memoranda: | ||
| Average total assets | $296,274,400 | 2,188 |
| Average earning assets | $282,016,000 | 2,145 |
| Average equity | $26,500,400 | 2,578 |
| Average total loans | $101,819,000 | 3,315 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 1,806 |
| Cost of funding earning assets | 0.1988% | 4,987 |
| Net interest margin | 4.2468% | 1,055 |
| Noninterest income to average assets | 0.9972% | 1,033 |
| Noninterest expense to average assets | 3.9729% | 538 |
| Loan and lease loss provision to assets | 0.0984% | 2,141 |
| Net operating income to assets | 0.6753% | 4,099 |
| Return on assets (ROA) | 0.6753% | 4,157 |
| Pretax return on assets | 0.9673% | 3,811 |
| Return on Equity (ROE) | 7.5910% | 3,351 |
| Retained earnings to average equity (ytd only) | 1.8450% | 4,696 |
| Net charge-offs to loans | 0.3876% | 549 |
| Credit loss provision to net charge-offs | 75.3425% | 2,642 |
| Earnings coverage of net charge-offs (x) | 8.1610% | 2,813 |
| Efficiency ratio | 78.8497% | 1,234 |
| Assets per employee ($millions) | 2.1219% | 5,612 |
| Cash dividends to net income (ytd only)* | 75.6954% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 2,103 |
| Loan loss allowance to noncurrent loans | 168.7799% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 3,729 |
| Noncurrent loans to loans | 0.8022% | 2,354 |
| Net loans and leases to total assets | 34.6038% | 5,397 |
| Net loans and leases to deposits | 38.8112% | 5,445 |
| Net loans and leases to core deposits | 40.1881% | 5,454 |
| Total domestic deposits to total assets | 89.1593% | 800 |
| Equity capital to assets | 9.0811% | 4,836 |
| Core capital (leverage) ratio | 9.3259% | 4,377 |
| Tier 1 risk-based capital ratio | 23.2086% | 929 |
| Total risk-based capital ratio | 24.3999% | 918 |
| Memoranda: | ||
| Average total assets | $298,147,250 | 2,193 |
| Average earning assets | $283,717,750 | 2,150 |
| Average equity | $26,522,000 | 2,594 |
| Average total loans | $100,452,000 | 3,376 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 1,771 |
| Cost of funding earning assets | 0.2001% | 4,980 |
| Net interest margin | 4.2118% | 1,057 |
| Noninterest income to average assets | 0.9822% | 1,063 |
| Noninterest expense to average assets | 3.9342% | 574 |
| Loan and lease loss provision to assets | 0.0871% | 2,239 |
| Net operating income to assets | 0.6747% | 3,959 |
| Return on assets (ROA) | 0.6747% | 4,021 |
| Pretax return on assets | 0.9661% | 3,700 |
| Return on Equity (ROE) | 7.6374% | 3,229 |
| Retained earnings to average equity (ytd only) | 1.9492% | 4,474 |
| Net charge-offs to loans | 0.3851% | 534 |
| Credit loss provision to net charge-offs | 68.0628% | 2,401 |
| Earnings coverage of net charge-offs (x) | 8.2304% | 2,525 |
| Efficiency ratio | 78.8823% | 1,347 |
| Assets per employee ($millions) | 2.0883% | 5,661 |
| Cash dividends to net income (ytd only)* | 74.4786% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 1,852 |
| Loan loss allowance to noncurrent loans | 213.1934% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 4,029 |
| Noncurrent loans to loans | 0.6672% | 2,749 |
| Net loans and leases to total assets | 32.9996% | 5,476 |
| Net loans and leases to deposits | 36.3356% | 5,532 |
| Net loans and leases to core deposits | 37.5666% | 5,549 |
| Total domestic deposits to total assets | 90.8189% | 267 |
| Equity capital to assets | 9.0394% | 4,860 |
| Core capital (leverage) ratio | 9.1191% | 4,590 |
| Tier 1 risk-based capital ratio | 23.8358% | 868 |
| Total risk-based capital ratio | 25.0738% | 853 |
| Memoranda: | ||
| Average total assets | $298,507,670 | 2,197 |
| Average earning assets | $283,868,000 | 2,150 |
| Average equity | $26,370,330 | 2,603 |
| Average total loans | $99,200,330 | 3,412 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 1,778 |
| Cost of funding earning assets | 0.2018% | 4,965 |
| Net interest margin | 4.1597% | 1,069 |
| Noninterest income to average assets | 0.9382% | 1,147 |
| Noninterest expense to average assets | 3.9189% | 591 |
| Loan and lease loss provision to assets | 0.0777% | 2,258 |
| Net operating income to assets | 0.6205% | 4,060 |
| Return on assets (ROA) | 0.6205% | 4,112 |
| Pretax return on assets | 0.8913% | 3,804 |
| Return on Equity (ROE) | 7.1071% | 3,360 |
| Retained earnings to average equity (ytd only) | 2.2258% | 4,252 |
| Net charge-offs to loans | 0.4857% | 379 |
| Credit loss provision to net charge-offs | 48.3333% | 1,999 |
| Earnings coverage of net charge-offs (x) | 6.0250% | 2,241 |
| Efficiency ratio | 80.1755% | 1,363 |
| Assets per employee ($millions) | 2.1155% | 5,720 |
| Cash dividends to net income (ytd only)* | 68.6825% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4336% | 1,932 |
| Loan loss allowance to noncurrent loans | 194.3912% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 4,039 |
| Noncurrent loans to loans | 0.7375% | 2,650 |
| Net loans and leases to total assets | 32.2959% | 5,532 |
| Net loans and leases to deposits | 35.4260% | 5,595 |
| Net loans and leases to core deposits | 36.6704% | 5,607 |
| Total domestic deposits to total assets | 91.1646% | 256 |
| Equity capital to assets | 8.6692% | 5,098 |
| Core capital (leverage) ratio | 9.1344% | 4,563 |
| Tier 1 risk-based capital ratio | 23.2856% | 941 |
| Total risk-based capital ratio | 24.4991% | 932 |
| Memoranda: | ||
| Average total assets | $298,449,000 | 2,216 |
| Average earning assets | $283,385,000 | 2,175 |
| Average equity | $26,058,500 | 2,634 |
| Average total loans | $98,817,000 | 3,441 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 1,260 |
| Cost of funding earning assets | 0.2207% | 4,824 |
| Net interest margin | 4.3886% | 794 |
| Noninterest income to average assets | 1.0562% | 1,008 |
| Noninterest expense to average assets | 4.0737% | 543 |
| Loan and lease loss provision to assets | 0.1351% | 1,850 |
| Net operating income to assets | 0.7598% | 3,489 |
| Return on assets (ROA) | 0.8233% | 3,288 |
| Pretax return on assets | 1.1021% | 3,098 |
| Return on Equity (ROE) | 8.7860% | 2,521 |
| Retained earnings to average equity (ytd only) | 2.1052% | 4,339 |
| Net charge-offs to loans | 0.4157% | 628 |
| Credit loss provision to net charge-offs | 93.3174% | 2,741 |
| Earnings coverage of net charge-offs (x) | 7.9618% | 2,944 |
| Efficiency ratio | 77.9467% | 1,699 |
| Assets per employee ($millions) | 2.0731% | 5,784 |
| Cash dividends to net income (ytd only)* | 76.0386% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,644 |
| Loan loss allowance to noncurrent loans | 194.1099% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,862 |
| Noncurrent loans to loans | 0.7755% | 2,585 |
| Net loans and leases to total assets | 32.9605% | 5,574 |
| Net loans and leases to deposits | 36.1906% | 5,634 |
| Net loans and leases to core deposits | 37.2521% | 5,654 |
| Total domestic deposits to total assets | 91.0747% | 256 |
| Equity capital to assets | 8.7952% | 5,016 |
| Core capital (leverage) ratio | 9.1859% | 4,497 |
| Tier 1 risk-based capital ratio | 23.5376% | 911 |
| Total risk-based capital ratio | 24.7882% | 899 |
| Memoranda: | ||
| Average total assets | $289,442,200 | 2,227 |
| Average earning assets | $275,032,400 | 2,176 |
| Average equity | $27,122,800 | 2,560 |
| Average total loans | $100,784,600 | 3,367 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6080% | 1,276 |
| Cost of funding earning assets | 0.2232% | 4,850 |
| Net interest margin | 4.3847% | 796 |
| Noninterest income to average assets | 1.0224% | 1,101 |
| Noninterest expense to average assets | 4.0687% | 540 |
| Loan and lease loss provision to assets | 0.1120% | 2,057 |
| Net operating income to assets | 0.7065% | 3,809 |
| Return on assets (ROA) | 0.7143% | 3,909 |
| Pretax return on assets | 1.0238% | 3,535 |
| Return on Equity (ROE) | 7.5048% | 3,293 |
| Retained earnings to average equity (ytd only) | 1.9783% | 4,697 |
| Net charge-offs to loans | 0.3973% | 547 |
| Credit loss provision to net charge-offs | 80.1325% | 2,657 |
| Earnings coverage of net charge-offs (x) | 8.0496% | 2,817 |
| Efficiency ratio | 78.3449% | 1,638 |
| Assets per employee ($millions) | 1.9887% | 5,864 |
| Cash dividends to net income (ytd only)* | 73.6396% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4591% | 1,943 |
| Loan loss allowance to noncurrent loans | 187.7102% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 3,981 |
| Noncurrent loans to loans | 0.7773% | 2,732 |
| Net loans and leases to total assets | 33.2957% | 5,648 |
| Net loans and leases to deposits | 37.0193% | 5,702 |
| Net loans and leases to core deposits | 38.2190% | 5,718 |
| Total domestic deposits to total assets | 89.9417% | 504 |
| Equity capital to assets | 9.5276% | 4,630 |
| Core capital (leverage) ratio | 9.1967% | 4,596 |
| Tier 1 risk-based capital ratio | 23.3027% | 969 |
| Total risk-based capital ratio | 24.5527% | 951 |
| Memoranda: | ||
| Average total assets | $288,208,500 | 2,236 |
| Average earning assets | $274,155,500 | 2,196 |
| Average equity | $27,430,750 | 2,559 |
| Average total loans | $101,353,000 | 3,371 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 1,216 |
| Cost of funding earning assets | 0.2265% | 4,877 |
| Net interest margin | 4.3992% | 769 |
| Noninterest income to average assets | 0.9973% | 1,125 |
| Noninterest expense to average assets | 4.0976% | 535 |
| Loan and lease loss provision to assets | 0.0930% | 2,295 |
| Net operating income to assets | 0.6892% | 3,850 |
| Return on assets (ROA) | 0.7010% | 3,942 |
| Pretax return on assets | 1.0043% | 3,566 |
| Return on Equity (ROE) | 7.3677% | 3,333 |
| Retained earnings to average equity (ytd only) | 2.0347% | 4,544 |
| Net charge-offs to loans | 0.3373% | 699 |
| Credit loss provision to net charge-offs | 77.3256% | 2,391 |
| Earnings coverage of net charge-offs (x) | 8.9884% | 2,460 |
| Efficiency ratio | 79.1335% | 1,616 |
| Assets per employee ($millions) | 1.9335% | 5,946 |
| Cash dividends to net income (ytd only)* | 72.3829% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 1,998 |
| Loan loss allowance to noncurrent loans | 187.5159% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 4,156 |
| Noncurrent loans to loans | 0.7821% | 2,794 |
| Net loans and leases to total assets | 34.5620% | 5,660 |
| Net loans and leases to deposits | 38.5292% | 5,734 |
| Net loans and leases to core deposits | 39.7017% | 5,756 |
| Total domestic deposits to total assets | 89.7033% | 591 |
| Equity capital to assets | 9.7746% | 4,483 |
| Core capital (leverage) ratio | 9.3008% | 4,458 |
| Tier 1 risk-based capital ratio | 23.2378% | 989 |
| Total risk-based capital ratio | 24.4877% | 968 |
| Memoranda: | ||
| Average total assets | $286,170,330 | 2,260 |
| Average earning assets | $271,957,000 | 2,223 |
| Average equity | $27,227,000 | 2,580 |
| Average total loans | $101,988,000 | 3,370 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6069% | 1,245 |
| Cost of funding earning assets | 0.2280% | 4,924 |
| Net interest margin | 4.3789% | 777 |
| Noninterest income to average assets | 0.9365% | 1,220 |
| Noninterest expense to average assets | 4.0954% | 550 |
| Loan and lease loss provision to assets | 0.0433% | 3,051 |
| Net operating income to assets | 0.6681% | 3,881 |
| Return on assets (ROA) | 0.6681% | 4,001 |
| Pretax return on assets | 0.9589% | 3,626 |
| Return on Equity (ROE) | 7.1197% | 3,390 |
| Retained earnings to average equity (ytd only) | 2.2938% | 4,342 |
| Net charge-offs to loans | 0.3269% | 675 |
| Credit loss provision to net charge-offs | 36.9048% | 2,168 |
| Earnings coverage of net charge-offs (x) | 8.5357% | 2,045 |
| Efficiency ratio | 80.3400% | 1,567 |
| Assets per employee ($millions) | 2.0158% | 5,993 |
| Cash dividends to net income (ytd only)* | 67.7824% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 2,298 |
| Loan loss allowance to noncurrent loans | 189.3506% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3362% | 4,215 |
| Noncurrent loans to loans | 0.7546% | 2,949 |
| Net loans and leases to total assets | 34.6503% | 5,692 |
| Net loans and leases to deposits | 38.4127% | 5,765 |
| Net loans and leases to core deposits | 39.7964% | 5,774 |
| Total domestic deposits to total assets | 90.2053% | 527 |
| Equity capital to assets | 9.4037% | 4,765 |
| Core capital (leverage) ratio | 9.3842% | 4,373 |
| Tier 1 risk-based capital ratio | 22.7027% | 1,054 |
| Total risk-based capital ratio | 23.9413% | 1,030 |
| Memoranda: | ||
| Average total assets | $286,175,000 | 2,271 |
| Average earning assets | $271,938,000 | 2,229 |
| Average equity | $26,855,000 | 2,608 |
| Average total loans | $102,794,500 | 3,375 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8720% | 822 |
| Cost of funding earning assets | 0.2523% | 4,760 |
| Net interest margin | 4.6196% | 521 |
| Noninterest income to average assets | 1.0881% | 993 |
| Noninterest expense to average assets | 4.3134% | 479 |
| Loan and lease loss provision to assets | 0.1357% | 1,751 |
| Net operating income to assets | 0.7483% | 3,583 |
| Return on assets (ROA) | 0.7600% | 3,620 |
| Pretax return on assets | 1.0402% | 3,308 |
| Return on Equity (ROE) | 8.0069% | 2,953 |
| Retained earnings to average equity (ytd only) | 1.2148% | 5,021 |
| Net charge-offs to loans | 0.4377% | 632 |
| Credit loss provision to net charge-offs | 80.3383% | 2,942 |
| Earnings coverage of net charge-offs (x) | 6.8689% | 3,159 |
| Efficiency ratio | 78.8090% | 1,841 |
| Assets per employee ($millions) | 1.9189% | 6,064 |
| Cash dividends to net income (ytd only)* | 84.8286% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 2,183 |
| Loan loss allowance to noncurrent loans | 182.9298% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 4,119 |
| Noncurrent loans to loans | 0.7977% | 2,795 |
| Net loans and leases to total assets | 36.1744% | 5,704 |
| Net loans and leases to deposits | 40.0001% | 5,774 |
| Net loans and leases to core deposits | 41.5211% | 5,778 |
| Total domestic deposits to total assets | 90.4357% | 455 |
| Equity capital to assets | 9.3640% | 4,716 |
| Core capital (leverage) ratio | 9.4374% | 4,268 |
| Tier 1 risk-based capital ratio | 22.4930% | 1,084 |
| Total risk-based capital ratio | 23.7434% | 1,062 |
| Memoranda: | ||
| Average total assets | $280,129,200 | 2,271 |
| Average earning assets | $265,908,800 | 2,230 |
| Average equity | $26,589,600 | 2,585 |
| Average total loans | $108,067,000 | 3,237 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 876 |
| Cost of funding earning assets | 0.2568% | 4,797 |
| Net interest margin | 4.5825% | 561 |
| Noninterest income to average assets | 1.0518% | 1,083 |
| Noninterest expense to average assets | 4.3617% | 453 |
| Loan and lease loss provision to assets | 0.1244% | 1,821 |
| Net operating income to assets | 0.6391% | 4,185 |
| Return on assets (ROA) | 0.6542% | 4,221 |
| Pretax return on assets | 0.9345% | 3,871 |
| Return on Equity (ROE) | 6.8684% | 3,696 |
| Retained earnings to average equity (ytd only) | 0.5457% | 5,456 |
| Net charge-offs to loans | 0.3919% | 656 |
| Credit loss provision to net charge-offs | 81.3084% | 2,595 |
| Earnings coverage of net charge-offs (x) | 6.7788% | 3,005 |
| Efficiency ratio | 80.7842% | 1,550 |
| Assets per employee ($millions) | 1.8784% | 6,155 |
| Cash dividends to net income (ytd only)* | 92.0554% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4263% | 2,471 |
| Loan loss allowance to noncurrent loans | 70.2137% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 0.8741% | 2,697 |
| Noncurrent loans to loans | 2.0314% | 1,137 |
| Net loans and leases to total assets | 38.3831% | 5,677 |
| Net loans and leases to deposits | 42.6633% | 5,776 |
| Net loans and leases to core deposits | 44.3218% | 5,784 |
| Total domestic deposits to total assets | 89.9674% | 582 |
| Equity capital to assets | 9.6376% | 4,593 |
| Core capital (leverage) ratio | 9.3905% | 4,451 |
| Tier 1 risk-based capital ratio | 21.7151% | 1,235 |
| Total risk-based capital ratio | 22.9651% | 1,208 |
| Memoranda: | ||
| Average total assets | $279,641,250 | 2,290 |
| Average earning assets | $265,294,250 | 2,252 |
| Average equity | $26,633,500 | 2,592 |
| Average total loans | $109,195,750 | 3,247 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7969% | 898 |
| Cost of funding earning assets | 0.2603% | 4,829 |
| Net interest margin | 4.5366% | 592 |
| Noninterest income to average assets | 1.0336% | 1,111 |
| Noninterest expense to average assets | 4.3550% | 476 |
| Loan and lease loss provision to assets | 0.1185% | 1,872 |
| Net operating income to assets | 0.6060% | 4,319 |
| Return on assets (ROA) | 0.6060% | 4,427 |
| Pretax return on assets | 0.8651% | 4,083 |
| Return on Equity (ROE) | 6.3882% | 3,939 |
| Retained earnings to average equity (ytd only) | 1.7156% | 4,844 |
| Net charge-offs to loans | 0.4237% | 608 |
| Credit loss provision to net charge-offs | 71.5517% | 2,439 |
| Earnings coverage of net charge-offs (x) | 5.9397% | 2,858 |
| Efficiency ratio | 81.5751% | 1,544 |
| Assets per employee ($millions) | 1.8748% | 6,229 |
| Cash dividends to net income (ytd only)* | 73.1449% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 2,797 |
| Loan loss allowance to noncurrent loans | 69.2793% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 2,780 |
| Noncurrent loans to loans | 2.0111% | 1,209 |
| Net loans and leases to total assets | 39.2292% | 5,675 |
| Net loans and leases to deposits | 43.4644% | 5,785 |
| Net loans and leases to core deposits | 45.1507% | 5,799 |
| Total domestic deposits to total assets | 90.2560% | 556 |
| Equity capital to assets | 9.5018% | 4,648 |
| Core capital (leverage) ratio | 9.2502% | 4,620 |
| Tier 1 risk-based capital ratio | 21.2113% | 1,322 |
| Total risk-based capital ratio | 22.4444% | 1,302 |
| Memoranda: | ||
| Average total assets | $280,186,670 | 2,303 |
| Average earning assets | $265,882,330 | 2,261 |
| Average equity | $26,580,330 | 2,603 |
| Average total loans | $109,510,670 | 3,259 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 995 |
| Cost of funding earning assets | 0.2620% | 4,879 |
| Net interest margin | 4.4596% | 654 |
| Noninterest income to average assets | 0.9419% | 1,261 |
| Noninterest expense to average assets | 4.3204% | 487 |
| Loan and lease loss provision to assets | 0.0796% | 2,368 |
| Net operating income to assets | 0.5413% | 4,508 |
| Return on assets (ROA) | 0.5413% | 4,623 |
| Pretax return on assets | 0.7743% | 4,333 |
| Return on Equity (ROE) | 5.7103% | 4,179 |
| Retained earnings to average equity (ytd only) | 1.5737% | 4,844 |
| Net charge-offs to loans | 0.3814% | 645 |
| Credit loss provision to net charge-offs | 53.8462% | 2,066 |
| Earnings coverage of net charge-offs (x) | 5.7788% | 2,356 |
| Efficiency ratio | 83.4981% | 1,431 |
| Assets per employee ($millions) | 1.9747% | 6,280 |
| Cash dividends to net income (ytd only)* | 72.4409% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 2,757 |
| Loan loss allowance to noncurrent loans | 148.7572% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 4,255 |
| Noncurrent loans to loans | 0.9662% | 2,839 |
| Net loans and leases to total assets | 37.0099% | 5,773 |
| Net loans and leases to deposits | 41.0264% | 5,876 |
| Net loans and leases to core deposits | 42.5551% | 5,888 |
| Total domestic deposits to total assets | 90.2100% | 644 |
| Equity capital to assets | 9.3651% | 4,894 |
| Core capital (leverage) ratio | 9.3717% | 4,469 |
| Tier 1 risk-based capital ratio | 21.1813% | 1,382 |
| Total risk-based capital ratio | 22.4313% | 1,360 |
| Memoranda: | ||
| Average total assets | $281,548,000 | 2,305 |
| Average earning assets | $267,199,500 | 2,266 |
| Average equity | $26,688,500 | 2,610 |
| Average total loans | $109,073,500 | 3,277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1941% | 526 |
| Cost of funding earning assets | 0.3010% | 4,786 |
| Net interest margin | 4.8931% | 361 |
| Noninterest income to average assets | 1.0810% | 1,044 |
| Noninterest expense to average assets | 4.3930% | 509 |
| Loan and lease loss provision to assets | 0.1545% | 1,698 |
| Net operating income to assets | 0.8277% | 3,233 |
| Return on assets (ROA) | 0.8277% | 3,328 |
| Pretax return on assets | 1.1643% | 2,805 |
| Return on Equity (ROE) | 8.8096% | 2,678 |
| Retained earnings to average equity (ytd only) | 0.9571% | 5,347 |
| Net charge-offs to loans | 0.3941% | 1,088 |
| Credit loss provision to net charge-offs | 94.1834% | 2,552 |
| Earnings coverage of net charge-offs (x) | 8.0380% | 2,934 |
| Efficiency ratio | 76.9102% | 2,365 |
| Assets per employee ($millions) | 1.8567% | 6,392 |
| Cash dividends to net income (ytd only)* | 89.1353% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,644 |
| Loan loss allowance to noncurrent loans | 153.6398% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 4,247 |
| Noncurrent loans to loans | 0.9500% | 2,952 |
| Net loans and leases to total assets | 39.4065% | 5,782 |
| Net loans and leases to deposits | 43.7277% | 5,889 |
| Net loans and leases to core deposits | 45.4450% | 5,918 |
| Total domestic deposits to total assets | 90.1180% | 688 |
| Equity capital to assets | 9.5989% | 4,590 |
| Core capital (leverage) ratio | 9.5285% | 4,199 |
| Tier 1 risk-based capital ratio | 21.3707% | 1,328 |
| Total risk-based capital ratio | 22.6214% | 1,306 |
| Memoranda: | ||
| Average total assets | $272,435,800 | 2,343 |
| Average earning assets | $257,833,200 | 2,289 |
| Average equity | $25,597,000 | 2,603 |
| Average total loans | $113,421,600 | 3,151 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 537 |
| Cost of funding earning assets | 0.3063% | 4,828 |
| Net interest margin | 4.8781% | 357 |
| Noninterest income to average assets | 1.0604% | 1,092 |
| Noninterest expense to average assets | 4.4043% | 505 |
| Loan and lease loss provision to assets | 0.1153% | 2,132 |
| Net operating income to assets | 0.8083% | 3,396 |
| Return on assets (ROA) | 0.8083% | 3,488 |
| Pretax return on assets | 1.1565% | 2,963 |
| Return on Equity (ROE) | 8.6500% | 2,875 |
| Retained earnings to average equity (ytd only) | 0.9500% | 5,502 |
| Net charge-offs to loans | 0.3301% | 1,216 |
| Credit loss provision to net charge-offs | 83.0389% | 2,541 |
| Earnings coverage of net charge-offs (x) | 9.1626% | 2,704 |
| Efficiency ratio | 77.5944% | 2,253 |
| Assets per employee ($millions) | 1.8420% | 6,469 |
| Cash dividends to net income (ytd only)* | 89.0169% | 550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 3,170 |
| Loan loss allowance to noncurrent loans | 170.8423% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 4,575 |
| Noncurrent loans to loans | 0.8203% | 3,522 |
| Net loans and leases to total assets | 40.8267% | 5,763 |
| Net loans and leases to deposits | 45.2459% | 5,919 |
| Net loans and leases to core deposits | 46.9844% | 5,925 |
| Total domestic deposits to total assets | 90.2328% | 637 |
| Equity capital to assets | 9.5042% | 4,790 |
| Core capital (leverage) ratio | 9.4686% | 4,417 |
| Tier 1 risk-based capital ratio | 20.9777% | 1,458 |
| Total risk-based capital ratio | 22.2277% | 1,432 |
| Memoranda: | ||
| Average total assets | $271,846,750 | 2,362 |
| Average earning assets | $257,223,500 | 2,309 |
| Average equity | $25,402,000 | 2,631 |
| Average total loans | $114,304,500 | 3,160 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 549 |
| Cost of funding earning assets | 0.3105% | 4,869 |
| Net interest margin | 4.8449% | 380 |
| Noninterest income to average assets | 1.0089% | 1,176 |
| Noninterest expense to average assets | 4.4633% | 463 |
| Loan and lease loss provision to assets | 0.0928% | 2,477 |
| Net operating income to assets | 0.7239% | 3,708 |
| Return on assets (ROA) | 0.7239% | 3,803 |
| Pretax return on assets | 1.0369% | 3,337 |
| Return on Equity (ROE) | 7.7915% | 3,208 |
| Retained earnings to average equity (ytd only) | 1.8944% | 4,937 |
| Net charge-offs to loans | 0.3363% | 1,208 |
| Credit loss provision to net charge-offs | 65.2850% | 2,548 |
| Earnings coverage of net charge-offs (x) | 7.9482% | 2,558 |
| Efficiency ratio | 79.8025% | 2,049 |
| Assets per employee ($millions) | 1.8289% | 6,540 |
| Cash dividends to net income (ytd only)* | 75.6867% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3666% | 3,506 |
| Loan loss allowance to noncurrent loans | 151.0145% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 4,646 |
| Noncurrent loans to loans | 0.9049% | 3,446 |
| Net loans and leases to total assets | 40.8486% | 5,756 |
| Net loans and leases to deposits | 45.1800% | 5,928 |
| Net loans and leases to core deposits | 46.7844% | 5,961 |
| Total domestic deposits to total assets | 90.4129% | 616 |
| Equity capital to assets | 9.4042% | 4,841 |
| Core capital (leverage) ratio | 9.5509% | 4,251 |
| Tier 1 risk-based capital ratio | 21.1289% | 1,424 |
| Total risk-based capital ratio | 22.3794% | 1,396 |
| Memoranda: | ||
| Average total assets | $271,590,330 | 2,360 |
| Average earning assets | $256,970,670 | 2,305 |
| Average equity | $25,232,670 | 2,634 |
| Average total loans | $114,778,670 | 3,159 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 553 |
| Cost of funding earning assets | 0.3225% | 4,827 |
| Net interest margin | 4.8175% | 372 |
| Noninterest income to average assets | 0.9640% | 1,215 |
| Noninterest expense to average assets | 4.5480% | 435 |
| Loan and lease loss provision to assets | 0.0460% | 3,177 |
| Net operating income to assets | 0.6387% | 4,002 |
| Return on assets (ROA) | 0.6387% | 4,095 |
| Pretax return on assets | 0.9179% | 3,635 |
| Return on Equity (ROE) | 6.9178% | 3,521 |
| Retained earnings to average equity (ytd only) | 1.4640% | 5,031 |
| Net charge-offs to loans | 0.3688% | 978 |
| Credit loss provision to net charge-offs | 29.2453% | 2,403 |
| Earnings coverage of net charge-offs (x) | 6.1226% | 2,273 |
| Efficiency ratio | 82.5115% | 1,863 |
| Assets per employee ($millions) | 1.8182% | 6,610 |
| Cash dividends to net income (ytd only)* | 78.8372% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 3,746 |
| Loan loss allowance to noncurrent loans | 149.6631% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 4,597 |
| Noncurrent loans to loans | 0.9150% | 3,597 |
| Net loans and leases to total assets | 41.0675% | 5,742 |
| Net loans and leases to deposits | 45.3079% | 5,903 |
| Net loans and leases to core deposits | 47.0320% | 5,933 |
| Total domestic deposits to total assets | 90.6409% | 716 |
| Equity capital to assets | 9.2454% | 4,819 |
| Core capital (leverage) ratio | 9.7043% | 3,993 |
| Tier 1 risk-based capital ratio | 21.2013% | 1,433 |
| Total risk-based capital ratio | 22.4519% | 1,409 |
| Memoranda: | ||
| Average total assets | $269,303,500 | 2,386 |
| Average earning assets | $254,238,500 | 2,326 |
| Average equity | $24,863,500 | 2,659 |
| Average total loans | $114,982,000 | 3,172 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3688% | 466 |
| Cost of funding earning assets | 0.3726% | 4,918 |
| Net interest margin | 4.9962% | 314 |
| Noninterest income to average assets | 1.0678% | 1,237 |
| Noninterest expense to average assets | 4.4748% | 537 |
| Loan and lease loss provision to assets | 0.1268% | 2,727 |
| Net operating income to assets | 0.8351% | 3,107 |
| Return on assets (ROA) | 0.8359% | 3,184 |
| Pretax return on assets | 1.1718% | 2,685 |
| Return on Equity (ROE) | 8.6383% | 2,731 |
| Retained earnings to average equity (ytd only) | 0.9748% | 5,402 |
| Net charge-offs to loans | 0.3185% | 2,091 |
| Credit loss provision to net charge-offs | 89.4737% | 2,777 |
| Earnings coverage of net charge-offs (x) | 9.1579% | 2,549 |
| Efficiency ratio | 77.5223% | 2,538 |
| Assets per employee ($millions) | 1.7725% | 6,682 |
| Cash dividends to net income (ytd only)* | 88.7154% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 3,658 |
| Loan loss allowance to noncurrent loans | 152.0522% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 4,607 |
| Noncurrent loans to loans | 0.9209% | 3,686 |
| Net loans and leases to total assets | 43.1687% | 5,746 |
| Net loans and leases to deposits | 47.6874% | 5,914 |
| Net loans and leases to core deposits | 49.6651% | 5,957 |
| Total domestic deposits to total assets | 90.5242% | 797 |
| Equity capital to assets | 9.2193% | 4,782 |
| Core capital (leverage) ratio | 9.5761% | 4,143 |
| Tier 1 risk-based capital ratio | 20.7736% | 1,469 |
| Total risk-based capital ratio | 22.0240% | 1,448 |
| Memoranda: | ||
| Average total assets | $268,216,000 | 2,364 |
| Average earning assets | $252,553,800 | 2,310 |
| Average equity | $25,954,200 | 2,552 |
| Average total loans | $119,326,000 | 3,051 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3134% | 517 |
| Cost of funding earning assets | 0.3799% | 5,000 |
| Net interest margin | 4.9335% | 351 |
| Noninterest income to average assets | 1.0387% | 1,348 |
| Noninterest expense to average assets | 4.4294% | 559 |
| Loan and lease loss provision to assets | 0.1096% | 2,939 |
| Net operating income to assets | 0.8075% | 3,306 |
| Return on assets (ROA) | 0.8085% | 3,432 |
| Pretax return on assets | 1.1453% | 2,919 |
| Return on Equity (ROE) | 8.2588% | 2,996 |
| Retained earnings to average equity (ytd only) | 2.1179% | 5,048 |
| Net charge-offs to loans | 0.3054% | 2,009 |
| Credit loss provision to net charge-offs | 80.3636% | 2,842 |
| Earnings coverage of net charge-offs (x) | 9.1890% | 2,512 |
| Efficiency ratio | 77.9436% | 2,431 |
| Assets per employee ($millions) | 1.7830% | 6,750 |
| Cash dividends to net income (ytd only)* | 74.3558% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 4,078 |
| Loan loss allowance to noncurrent loans | 156.7410% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 4,135 |
| Noncurrent loans to loans | 0.8682% | 4,084 |
| Net loans and leases to total assets | 43.7986% | 5,740 |
| Net loans and leases to deposits | 48.4622% | 5,931 |
| Net loans and leases to core deposits | 50.4694% | 5,990 |
| Total domestic deposits to total assets | 90.3769% | 803 |
| Equity capital to assets | 9.4134% | 4,656 |
| Core capital (leverage) ratio | 9.6373% | 4,191 |
| Tier 1 risk-based capital ratio | 20.7956% | 1,534 |
| Total risk-based capital ratio | 22.0458% | 1,507 |
| Memoranda: | ||
| Average total assets | $268,800,500 | 2,378 |
| Average earning assets | $253,037,750 | 2,309 |
| Average equity | $26,314,750 | 2,548 |
| Average total loans | $120,056,000 | 3,059 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2789% | 545 |
| Cost of funding earning assets | 0.3851% | 5,081 |
| Net interest margin | 4.8937% | 374 |
| Noninterest income to average assets | 1.0340% | 1,425 |
| Noninterest expense to average assets | 4.4687% | 543 |
| Loan and lease loss provision to assets | 0.1018% | 3,095 |
| Net operating income to assets | 0.7487% | 3,577 |
| Return on assets (ROA) | 0.7502% | 3,720 |
| Pretax return on assets | 1.0719% | 3,208 |
| Return on Equity (ROE) | 7.5672% | 3,308 |
| Retained earnings to average equity (ytd only) | 2.0828% | 4,949 |
| Net charge-offs to loans | 0.3054% | 1,963 |
| Credit loss provision to net charge-offs | 74.4565% | 2,732 |
| Earnings coverage of net charge-offs (x) | 8.5707% | 2,385 |
| Efficiency ratio | 79.2309% | 2,270 |
| Assets per employee ($millions) | 1.8048% | 6,797 |
| Cash dividends to net income (ytd only)* | 72.4752% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 4,180 |
| Loan loss allowance to noncurrent loans | 128.8095% | 2,855 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 4,086 |
| Noncurrent loans to loans | 1.0618% | 3,803 |
| Net loans and leases to total assets | 43.5258% | 5,785 |
| Net loans and leases to deposits | 48.3120% | 5,967 |
| Net loans and leases to core deposits | 50.2449% | 6,012 |
| Total domestic deposits to total assets | 90.0930% | 972 |
| Equity capital to assets | 9.6530% | 4,385 |
| Core capital (leverage) ratio | 9.6170% | 4,054 |
| Tier 1 risk-based capital ratio | 20.5882% | 1,589 |
| Total risk-based capital ratio | 21.8381% | 1,560 |
| Memoranda: | ||
| Average total assets | $269,251,000 | 2,379 |
| Average earning assets | $253,426,330 | 2,320 |
| Average equity | $26,694,330 | 2,517 |
| Average total loans | $120,489,670 | 3,064 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2531% | 549 |
| Cost of funding earning assets | 0.3916% | 5,189 |
| Net interest margin | 4.8616% | 363 |
| Noninterest income to average assets | 0.9561% | 1,589 |
| Noninterest expense to average assets | 4.4629% | 550 |
| Loan and lease loss provision to assets | 0.0609% | 3,623 |
| Net operating income to assets | 0.7022% | 3,678 |
| Return on assets (ROA) | 0.7022% | 3,818 |
| Pretax return on assets | 1.0036% | 3,335 |
| Return on Equity (ROE) | 6.9912% | 3,488 |
| Retained earnings to average equity (ytd only) | 1.2268% | 5,361 |
| Net charge-offs to loans | 0.3097% | 1,719 |
| Credit loss provision to net charge-offs | 43.6170% | 2,704 |
| Earnings coverage of net charge-offs (x) | 7.6277% | 2,039 |
| Efficiency ratio | 80.7413% | 2,217 |
| Assets per employee ($millions) | 1.8065% | 6,876 |
| Cash dividends to net income (ytd only)* | 82.4524% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,456 |
| Loan loss allowance to noncurrent loans | 129.8795% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 4,266 |
| Noncurrent loans to loans | 1.0409% | 4,058 |
| Net loans and leases to total assets | 43.2558% | 5,735 |
| Net loans and leases to deposits | 48.3170% | 5,901 |
| Net loans and leases to core deposits | 50.2314% | 5,961 |
| Total domestic deposits to total assets | 89.5251% | 1,344 |
| Equity capital to assets | 9.9154% | 4,254 |
| Core capital (leverage) ratio | 9.6582% | 3,838 |
| Tier 1 risk-based capital ratio | 20.7282% | 1,610 |
| Total risk-based capital ratio | 21.9801% | 1,578 |
| Memoranda: | ||
| Average total assets | $269,420,500 | 2,399 |
| Average earning assets | $253,334,500 | 2,348 |
| Average equity | $27,062,500 | 2,518 |
| Average total loans | $121,400,000 | 3,055 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6397% | 476 |
| Cost of funding earning assets | 0.4410% | 5,646 |
| Net interest margin | 5.1987% | 274 |
| Noninterest income to average assets | 1.1509% | 1,179 |
| Noninterest expense to average assets | 4.3407% | 653 |
| Loan and lease loss provision to assets | 0.1457% | 3,779 |
| Net operating income to assets | 1.0886% | 1,977 |
| Return on assets (ROA) | 1.0886% | 2,163 |
| Pretax return on assets | 1.5549% | 1,503 |
| Return on Equity (ROE) | 10.7245% | 1,898 |
| Retained earnings to average equity (ytd only) | 1.0537% | 5,348 |
| Net charge-offs to loans | 0.4662% | 2,369 |
| Credit loss provision to net charge-offs | 66.6099% | 4,267 |
| Earnings coverage of net charge-offs (x) | 7.7734% | 2,530 |
| Efficiency ratio | 71.8507% | 3,443 |
| Assets per employee ($millions) | 1.7738% | 6,949 |
| Cash dividends to net income (ytd only)* | 90.1746% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3556% | 4,379 |
| Loan loss allowance to noncurrent loans | 137.7888% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 4,224 |
| Noncurrent loans to loans | 0.9838% | 4,227 |
| Net loans and leases to total assets | 45.6736% | 5,649 |
| Net loans and leases to deposits | 51.2420% | 5,869 |
| Net loans and leases to core deposits | 52.4172% | 5,988 |
| Total domestic deposits to total assets | 89.1331% | 1,481 |
| Equity capital to assets | 10.1773% | 3,918 |
| Core capital (leverage) ratio | 9.7624% | 3,710 |
| Tier 1 risk-based capital ratio | 20.2394% | 1,619 |
| Total risk-based capital ratio | 21.4894% | 1,588 |
| Memoranda: | ||
| Average total assets | $268,319,000 | 2,359 |
| Average earning assets | $252,409,200 | 2,296 |
| Average equity | $27,236,600 | 2,467 |
| Average total loans | $125,899,200 | 2,960 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6412% | 520 |
| Cost of funding earning assets | 0.4492% | 5,805 |
| Net interest margin | 5.1920% | 299 |
| Noninterest income to average assets | 1.0859% | 1,276 |
| Noninterest expense to average assets | 4.3309% | 643 |
| Loan and lease loss provision to assets | 0.0997% | 4,321 |
| Net operating income to assets | 1.0770% | 2,182 |
| Return on assets (ROA) | 1.0770% | 2,382 |
| Pretax return on assets | 1.5387% | 1,759 |
| Return on Equity (ROE) | 10.6170% | 2,093 |
| Retained earnings to average equity (ytd only) | 2.5076% | 5,070 |
| Net charge-offs to loans | 0.4751% | 2,194 |
| Credit loss provision to net charge-offs | 44.5676% | 4,518 |
| Earnings coverage of net charge-offs (x) | 7.3259% | 2,619 |
| Efficiency ratio | 72.5536% | 3,222 |
| Assets per employee ($millions) | 1.7242% | 7,054 |
| Cash dividends to net income (ytd only)* | 76.3810% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 4,800 |
| Loan loss allowance to noncurrent loans | 123.2647% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 4,364 |
| Noncurrent loans to loans | 1.0569% | 4,326 |
| Net loans and leases to total assets | 46.7123% | 5,688 |
| Net loans and leases to deposits | 52.6243% | 5,927 |
| Net loans and leases to core deposits | 54.5856% | 6,001 |
| Total domestic deposits to total assets | 88.7656% | 1,557 |
| Equity capital to assets | 10.5331% | 3,806 |
| Core capital (leverage) ratio | 9.8744% | 3,721 |
| Tier 1 risk-based capital ratio | 20.4166% | 1,650 |
| Total risk-based capital ratio | 21.6665% | 1,621 |
| Memoranda: | ||
| Average total assets | $268,882,750 | 2,378 |
| Average earning assets | $252,895,250 | 2,319 |
| Average equity | $27,276,250 | 2,483 |
| Average total loans | $126,576,250 | 2,978 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5845% | 592 |
| Cost of funding earning assets | 0.4563% | 5,929 |
| Net interest margin | 5.1282% | 324 |
| Noninterest income to average assets | 1.0356% | 1,363 |
| Noninterest expense to average assets | 4.2640% | 677 |
| Loan and lease loss provision to assets | 0.0708% | 4,742 |
| Net operating income to assets | 1.0680% | 2,171 |
| Return on assets (ROA) | 1.0680% | 2,401 |
| Pretax return on assets | 1.5254% | 1,786 |
| Return on Equity (ROE) | 10.6601% | 2,109 |
| Retained earnings to average equity (ytd only) | 2.6429% | 4,857 |
| Net charge-offs to loans | 0.5823% | 1,863 |
| Credit loss provision to net charge-offs | 25.8760% | 4,510 |
| Earnings coverage of net charge-offs (x) | 5.8329% | 2,745 |
| Efficiency ratio | 72.7627% | 3,285 |
| Assets per employee ($millions) | 1.8035% | 7,103 |
| Cash dividends to net income (ytd only)* | 75.2072% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 5,031 |
| Loan loss allowance to noncurrent loans | 126.3701% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 4,610 |
| Noncurrent loans to loans | 1.0064% | 4,494 |
| Net loans and leases to total assets | 44.7613% | 5,942 |
| Net loans and leases to deposits | 50.0194% | 6,182 |
| Net loans and leases to core deposits | 51.7690% | 6,254 |
| Total domestic deposits to total assets | 89.4879% | 1,225 |
| Equity capital to assets | 9.9062% | 4,472 |
| Core capital (leverage) ratio | 9.5009% | 4,141 |
| Tier 1 risk-based capital ratio | 20.1279% | 1,682 |
| Total risk-based capital ratio | 21.3691% | 1,651 |
| Memoranda: | ||
| Average total assets | $271,150,670 | 2,365 |
| Average earning assets | $255,097,670 | 2,308 |
| Average equity | $27,166,670 | 2,466 |
| Average total loans | $127,422,000 | 2,973 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6206% | 600 |
| Cost of funding earning assets | 0.4752% | 5,982 |
| Net interest margin | 5.1453% | 320 |
| Noninterest income to average assets | 1.0478% | 1,316 |
| Noninterest expense to average assets | 4.2388% | 706 |
| Loan and lease loss provision to assets | 0.0402% | 4,884 |
| Net operating income to assets | 1.1222% | 1,978 |
| Return on assets (ROA) | 1.1222% | 2,165 |
| Pretax return on assets | 1.6029% | 1,566 |
| Return on Equity (ROE) | 11.1363% | 1,965 |
| Retained earnings to average equity (ytd only) | 3.2493% | 4,619 |
| Net charge-offs to loans | 0.2489% | 2,680 |
| Credit loss provision to net charge-offs | 33.7500% | 3,559 |
| Earnings coverage of net charge-offs (x) | 13.8000% | 1,510 |
| Efficiency ratio | 72.0648% | 3,431 |
| Assets per employee ($millions) | 1.7771% | 7,175 |
| Cash dividends to net income (ytd only)* | 70.8223% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 4,544 |
| Loan loss allowance to noncurrent loans | 182.3944% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.7487% | 5,053 |
| Noncurrent loans to loans | 0.7756% | 5,112 |
| Net loans and leases to total assets | 46.1634% | 5,765 |
| Net loans and leases to deposits | 51.6044% | 6,017 |
| Net loans and leases to core deposits | 53.3891% | 6,107 |
| Total domestic deposits to total assets | 89.4563% | 1,394 |
| Equity capital to assets | 9.9156% | 4,235 |
| Core capital (leverage) ratio | 9.8062% | 3,635 |
| Tier 1 risk-based capital ratio | 19.6977% | 1,781 |
| Total risk-based capital ratio | 20.9497% | 1,757 |
| Memoranda: | ||
| Average total assets | $268,756,500 | 2,397 |
| Average earning assets | $252,500,000 | 2,347 |
| Average equity | $27,082,500 | 2,471 |
| Average total loans | $128,580,500 | 2,969 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0200% | 418 |
| Cost of funding earning assets | 0.5730% | 6,220 |
| Net interest margin | 5.4470% | 194 |
| Noninterest income to average assets | 1.0109% | 1,338 |
| Noninterest expense to average assets | 4.3088% | 712 |
| Loan and lease loss provision to assets | 0.1851% | 4,342 |
| Net operating income to assets | 1.1252% | 1,739 |
| Return on assets (ROA) | 1.1252% | 1,859 |
| Pretax return on assets | 1.6347% | 1,134 |
| Return on Equity (ROE) | 11.3390% | 1,606 |
| Retained earnings to average equity (ytd only) | 2.6620% | 4,336 |
| Net charge-offs to loans | 0.4236% | 3,308 |
| Credit loss provision to net charge-offs | 88.0570% | 4,098 |
| Earnings coverage of net charge-offs (x) | 8.6578% | 2,112 |
| Efficiency ratio | 70.3063% | 3,887 |
| Assets per employee ($millions) | 1.7244% | 7,227 |
| Cash dividends to net income (ytd only)* | 76.5235% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 4,253 |
| Loan loss allowance to noncurrent loans | 174.5557% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 5,074 |
| Noncurrent loans to loans | 0.8286% | 5,030 |
| Net loans and leases to total assets | 48.1903% | 5,806 |
| Net loans and leases to deposits | 54.1424% | 6,054 |
| Net loans and leases to core deposits | 56.0994% | 6,149 |
| Total domestic deposits to total assets | 89.0067% | 1,531 |
| Equity capital to assets | 10.2444% | 3,859 |
| Core capital (leverage) ratio | 9.6677% | 3,786 |
| Tier 1 risk-based capital ratio | 19.2934% | 1,819 |
| Total risk-based capital ratio | 20.5454% | 1,788 |
| Memoranda: | ||
| Average total assets | $266,896,600 | 2,362 |
| Average earning assets | $250,764,000 | 2,296 |
| Average equity | $26,483,800 | 2,438 |
| Average total loans | $132,426,400 | 2,946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9990% | 460 |
| Cost of funding earning assets | 0.5909% | 6,323 |
| Net interest margin | 5.4081% | 202 |
| Noninterest income to average assets | 0.9982% | 1,346 |
| Noninterest expense to average assets | 4.3536% | 668 |
| Loan and lease loss provision to assets | 0.1674% | 4,379 |
| Net operating income to assets | 1.0919% | 2,001 |
| Return on assets (ROA) | 1.0919% | 2,145 |
| Pretax return on assets | 1.5601% | 1,486 |
| Return on Equity (ROE) | 11.0924% | 1,838 |
| Retained earnings to average equity (ytd only) | 2.6365% | 4,782 |
| Net charge-offs to loans | 0.4502% | 2,923 |
| Credit loss provision to net charge-offs | 74.6667% | 4,334 |
| Earnings coverage of net charge-offs (x) | 7.7066% | 2,310 |
| Efficiency ratio | 71.5924% | 3,640 |
| Assets per employee ($millions) | 1.7256% | 7,299 |
| Cash dividends to net income (ytd only)* | 76.2317% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 4,675 |
| Loan loss allowance to noncurrent loans | 94.9869% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 1.0319% | 4,694 |
| Noncurrent loans to loans | 1.4446% | 4,128 |
| Net loans and leases to total assets | 49.2001% | 5,809 |
| Net loans and leases to deposits | 55.2503% | 6,103 |
| Net loans and leases to core deposits | 57.2290% | 6,204 |
| Total domestic deposits to total assets | 89.0496% | 1,405 |
| Equity capital to assets | 10.2094% | 4,068 |
| Core capital (leverage) ratio | 9.4151% | 4,284 |
| Tier 1 risk-based capital ratio | 18.5516% | 2,080 |
| Total risk-based capital ratio | 19.8024% | 2,036 |
| Memoranda: | ||
| Average total assets | $267,662,500 | 2,372 |
| Average earning assets | $251,568,750 | 2,303 |
| Average equity | $26,347,750 | 2,448 |
| Average total loans | $133,281,000 | 2,950 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0075% | 474 |
| Cost of funding earning assets | 0.6111% | 6,405 |
| Net interest margin | 5.3964% | 213 |
| Noninterest income to average assets | 0.9690% | 1,408 |
| Noninterest expense to average assets | 4.4017% | 667 |
| Loan and lease loss provision to assets | 0.1118% | 4,902 |
| Net operating income to assets | 1.0660% | 1,980 |
| Return on assets (ROA) | 1.0660% | 2,071 |
| Pretax return on assets | 1.5236% | 1,456 |
| Return on Equity (ROE) | 10.9633% | 1,808 |
| Retained earnings to average equity (ytd only) | 2.6373% | 4,615 |
| Net charge-offs to loans | 0.2861% | 3,445 |
| Credit loss provision to net charge-offs | 78.5340% | 3,820 |
| Earnings coverage of net charge-offs (x) | 11.4869% | 1,713 |
| Efficiency ratio | 72.9102% | 3,557 |
| Assets per employee ($millions) | 1.7997% | 7,354 |
| Cash dividends to net income (ytd only)* | 75.9441% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 4,427 |
| Loan loss allowance to noncurrent loans | 313.7645% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.4862% | 5,950 |
| Noncurrent loans to loans | 0.4566% | 6,000 |
| Net loans and leases to total assets | 47.5831% | 6,097 |
| Net loans and leases to deposits | 53.0720% | 6,386 |
| Net loans and leases to core deposits | 54.9653% | 6,496 |
| Total domestic deposits to total assets | 89.6577% | 1,144 |
| Equity capital to assets | 9.7399% | 4,483 |
| Core capital (leverage) ratio | 9.2338% | 4,347 |
| Tier 1 risk-based capital ratio | 18.4524% | 2,028 |
| Total risk-based capital ratio | 19.7038% | 1,977 |
| Memoranda: | ||
| Average total assets | $268,305,000 | 2,381 |
| Average earning assets | $251,984,000 | 2,313 |
| Average equity | $26,087,000 | 2,454 |
| Average total loans | $133,521,000 | 2,972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9904% | 482 |
| Cost of funding earning assets | 0.6328% | 6,465 |
| Net interest margin | 5.3575% | 204 |
| Noninterest income to average assets | 0.9636% | 1,423 |
| Noninterest expense to average assets | 4.5032% | 588 |
| Loan and lease loss provision to assets | 0.0542% | 5,327 |
| Net operating income to assets | 1.0072% | 2,164 |
| Return on assets (ROA) | 1.0072% | 2,212 |
| Pretax return on assets | 1.4408% | 1,622 |
| Return on Equity (ROE) | 10.3687% | 1,969 |
| Retained earnings to average equity (ytd only) | 2.3248% | 4,754 |
| Net charge-offs to loans | 0.2711% | 2,985 |
| Credit loss provision to net charge-offs | 39.5604% | 3,958 |
| Earnings coverage of net charge-offs (x) | 10.9121% | 1,599 |
| Efficiency ratio | 75.0753% | 3,320 |
| Assets per employee ($millions) | 1.7561% | 7,429 |
| Cash dividends to net income (ytd only)* | 77.5785% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 4,659 |
| Loan loss allowance to noncurrent loans | 153.4314% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4775% | 6,034 |
| Noncurrent loans to loans | 0.9133% | 5,214 |
| Net loans and leases to total assets | 48.2371% | 6,051 |
| Net loans and leases to deposits | 53.5143% | 6,345 |
| Net loans and leases to core deposits | 55.4320% | 6,455 |
| Total domestic deposits to total assets | 90.1387% | 1,071 |
| Equity capital to assets | 9.4328% | 4,525 |
| Core capital (leverage) ratio | 9.6433% | 3,603 |
| Tier 1 risk-based capital ratio | 18.0048% | 2,113 |
| Total risk-based capital ratio | 19.2563% | 2,081 |
| Memoranda: | ||
| Average total assets | $265,680,000 | 2,425 |
| Average earning assets | $249,668,000 | 2,351 |
| Average equity | $25,808,500 | 2,467 |
| Average total loans | $134,252,500 | 3,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5116% | 312 |
| Cost of funding earning assets | 0.7981% | 6,578 |
| Net interest margin | 5.7135% | 129 |
| Noninterest income to average assets | 1.1013% | 1,222 |
| Noninterest expense to average assets | 4.3686% | 754 |
| Loan and lease loss provision to assets | 0.1618% | 5,596 |
| Net operating income to assets | 1.3727% | 1,003 |
| Return on assets (ROA) | 1.3727% | 1,072 |
| Pretax return on assets | 1.9423% | 552 |
| Return on Equity (ROE) | 13.9911% | 880 |
| Retained earnings to average equity (ytd only) | 3.6946% | 3,274 |
| Net charge-offs to loans | 0.3292% | 4,361 |
| Credit loss provision to net charge-offs | 96.5596% | 4,810 |
| Earnings coverage of net charge-offs (x) | 12.5550% | 1,487 |
| Efficiency ratio | 67.4921% | 4,671 |
| Assets per employee ($millions) | 1.6396% | 7,529 |
| Cash dividends to net income (ytd only)* | 73.5928% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 4,337 |
| Loan loss allowance to noncurrent loans | 151.8460% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.5217% | 5,990 |
| Noncurrent loans to loans | 0.9466% | 5,154 |
| Net loans and leases to total assets | 51.4931% | 5,991 |
| Net loans and leases to deposits | 57.6588% | 6,286 |
| Net loans and leases to core deposits | 59.8802% | 6,403 |
| Total domestic deposits to total assets | 89.3066% | 1,490 |
| Equity capital to assets | 10.0136% | 3,729 |
| Core capital (leverage) ratio | 9.5076% | 3,698 |
| Tier 1 risk-based capital ratio | 17.9332% | 2,018 |
| Total risk-based capital ratio | 19.1845% | 1,981 |
| Memoranda: | ||
| Average total assets | $260,149,800 | 2,454 |
| Average earning assets | $244,577,200 | 2,385 |
| Average equity | $25,523,400 | 2,501 |
| Average total loans | $132,441,200 | 3,076 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5047% | 340 |
| Cost of funding earning assets | 0.8194% | 6,689 |
| Net interest margin | 5.6853% | 135 |
| Noninterest income to average assets | 1.1143% | 1,129 |
| Noninterest expense to average assets | 4.3797% | 676 |
| Loan and lease loss provision to assets | 0.1068% | 5,967 |
| Net operating income to assets | 1.3776% | 1,152 |
| Return on assets (ROA) | 1.3776% | 1,236 |
| Pretax return on assets | 1.9726% | 655 |
| Return on Equity (ROE) | 14.1131% | 1,005 |
| Retained earnings to average equity (ytd only) | 3.4301% | 4,040 |
| Net charge-offs to loans | 0.3557% | 3,880 |
| Credit loss provision to net charge-offs | 59.3750% | 5,708 |
| Earnings coverage of net charge-offs (x) | 11.5568% | 1,783 |
| Efficiency ratio | 67.8063% | 4,499 |
| Assets per employee ($millions) | 1.6815% | 7,623 |
| Cash dividends to net income (ytd only)* | 75.6958% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 4,696 |
| Loan loss allowance to noncurrent loans | 691.5709% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 7,017 |
| Noncurrent loans to loans | 0.1958% | 6,790 |
| Net loans and leases to total assets | 50.1231% | 6,312 |
| Net loans and leases to deposits | 56.1477% | 6,609 |
| Net loans and leases to core deposits | 58.2697% | 6,712 |
| Total domestic deposits to total assets | 89.2702% | 1,244 |
| Equity capital to assets | 9.9941% | 4,165 |
| Core capital (leverage) ratio | 9.4095% | 4,041 |
| Tier 1 risk-based capital ratio | 17.9346% | 2,037 |
| Total risk-based capital ratio | 19.1852% | 2,006 |
| Memoranda: | ||
| Average total assets | $260,834,500 | 2,476 |
| Average earning assets | $245,212,000 | 2,416 |
| Average equity | $25,460,250 | 2,542 |
| Average total loans | $131,931,000 | 3,145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4918% | 341 |
| Cost of funding earning assets | 0.8395% | 6,787 |
| Net interest margin | 5.6523% | 140 |
| Noninterest income to average assets | 1.1324% | 1,020 |
| Noninterest expense to average assets | 4.4388% | 618 |
| Loan and lease loss provision to assets | 0.0807% | 6,127 |
| Net operating income to assets | 1.3705% | 1,148 |
| Return on assets (ROA) | 1.3705% | 1,216 |
| Pretax return on assets | 1.9298% | 696 |
| Return on Equity (ROE) | 14.1541% | 1,012 |
| Retained earnings to average equity (ytd only) | 3.7765% | 3,688 |
| Net charge-offs to loans | 0.3757% | 3,483 |
| Credit loss provision to net charge-offs | 42.5101% | 5,562 |
| Earnings coverage of net charge-offs (x) | 10.5951% | 1,869 |
| Efficiency ratio | 68.8267% | 4,422 |
| Assets per employee ($millions) | 1.6576% | 7,690 |
| Cash dividends to net income (ytd only)* | 73.3184% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3656% | 4,597 |
| Loan loss allowance to noncurrent loans | 705.4688% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 7,054 |
| Noncurrent loans to loans | 0.1936% | 6,867 |
| Net loans and leases to total assets | 49.8087% | 6,455 |
| Net loans and leases to deposits | 55.6976% | 6,750 |
| Net loans and leases to core deposits | 57.8955% | 6,833 |
| Total domestic deposits to total assets | 89.4270% | 1,211 |
| Equity capital to assets | 9.9128% | 4,122 |
| Core capital (leverage) ratio | 9.2840% | 4,151 |
| Tier 1 risk-based capital ratio | 17.8125% | 2,004 |
| Total risk-based capital ratio | 19.0631% | 1,969 |
| Memoranda: | ||
| Average total assets | $260,340,670 | 2,502 |
| Average earning assets | $244,893,330 | 2,443 |
| Average equity | $25,208,330 | 2,571 |
| Average total loans | $131,479,330 | 3,171 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4738% | 378 |
| Cost of funding earning assets | 0.8583% | 6,908 |
| Net interest margin | 5.6156% | 150 |
| Noninterest income to average assets | 1.0926% | 1,055 |
| Noninterest expense to average assets | 4.5538% | 546 |
| Loan and lease loss provision to assets | 0.0539% | 6,125 |
| Net operating income to assets | 1.2482% | 1,407 |
| Return on assets (ROA) | 1.2482% | 1,481 |
| Pretax return on assets | 1.7583% | 960 |
| Return on Equity (ROE) | 13.0477% | 1,243 |
| Retained earnings to average equity (ytd only) | 4.0110% | 3,745 |
| Net charge-offs to loans | 0.5645% | 2,389 |
| Credit loss provision to net charge-offs | 18.9189% | 4,961 |
| Earnings coverage of net charge-offs (x) | 6.3568% | 2,237 |
| Efficiency ratio | 71.5323% | 4,017 |
| Assets per employee ($millions) | 1.6655% | 7,796 |
| Cash dividends to net income (ytd only)* | 69.2593% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 4,570 |
| Loan loss allowance to noncurrent loans | 1,021.5909% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 7,228 |
| Noncurrent loans to loans | 0.1343% | 7,070 |
| Net loans and leases to total assets | 48.8185% | 6,589 |
| Net loans and leases to deposits | 54.2866% | 6,898 |
| Net loans and leases to core deposits | 56.3234% | 6,973 |
| Total domestic deposits to total assets | 89.9272% | 1,024 |
| Equity capital to assets | 9.4788% | 4,564 |
| Core capital (leverage) ratio | 9.4349% | 3,873 |
| Tier 1 risk-based capital ratio | 17.9053% | 1,965 |
| Total risk-based capital ratio | 19.1564% | 1,939 |
| Memoranda: | ||
| Average total assets | $259,564,000 | 2,563 |
| Average earning assets | $243,751,500 | 2,505 |
| Average equity | $24,832,000 | 2,625 |
| Average total loans | $131,093,000 | 3,241 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6812% | 482 |
| Cost of funding earning assets | 1.0862% | 7,019 |
| Net interest margin | 5.5949% | 172 |
| Noninterest income to average assets | 1.1623% | 1,140 |
| Noninterest expense to average assets | 4.4269% | 855 |
| Loan and lease loss provision to assets | 0.2969% | 5,056 |
| Net operating income to assets | 1.1477% | 1,392 |
| Return on assets (ROA) | 1.1477% | 1,418 |
| Pretax return on assets | 1.7086% | 763 |
| Return on Equity (ROE) | 11.8860% | 1,194 |
| Retained earnings to average equity (ytd only) | 2.5989% | 3,323 |
| Net charge-offs to loans | 0.3327% | 4,569 |
| Credit loss provision to net charge-offs | 177.0686% | 2,361 |
| Earnings coverage of net charge-offs (x) | 11.9598% | 1,553 |
| Efficiency ratio | 68.8216% | 4,857 |
| Assets per employee ($millions) | 1.5698% | 7,890 |
| Cash dividends to net income (ytd only)* | 78.1347% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 3,801 |
| Loan loss allowance to noncurrent loans | 801.6461% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 7,249 |
| Noncurrent loans to loans | 0.1853% | 6,958 |
| Net loans and leases to total assets | 50.7884% | 6,550 |
| Net loans and leases to deposits | 56.6214% | 6,886 |
| Net loans and leases to core deposits | 66.1758% | 6,971 |
| Total domestic deposits to total assets | 89.6982% | 1,109 |
| Equity capital to assets | 9.6584% | 4,201 |
| Core capital (leverage) ratio | 9.2443% | 4,064 |
| Tier 1 risk-based capital ratio | 17.5779% | 2,004 |
| Total risk-based capital ratio | 18.8300% | 1,965 |
| Memoranda: | ||
| Average total assets | $252,253,800 | 2,585 |
| Average earning assets | $237,608,200 | 2,528 |
| Average equity | $24,356,400 | 2,678 |
| Average total loans | $127,140,800 | 3,325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5926% | 624 |
| Cost of funding earning assets | 1.1258% | 7,111 |
| Net interest margin | 5.4668% | 190 |
| Noninterest income to average assets | 1.1488% | 1,189 |
| Noninterest expense to average assets | 4.4531% | 783 |
| Loan and lease loss provision to assets | 0.2352% | 5,093 |
| Net operating income to assets | 1.1461% | 1,595 |
| Return on assets (ROA) | 1.1461% | 1,666 |
| Pretax return on assets | 1.6143% | 1,146 |
| Return on Equity (ROE) | 11.8711% | 1,388 |
| Retained earnings to average equity (ytd only) | 3.2311% | 3,509 |
| Net charge-offs to loans | 0.2854% | 4,244 |
| Credit loss provision to net charge-offs | 164.4444% | 2,862 |
| Earnings coverage of net charge-offs (x) | 12.9334% | 1,716 |
| Efficiency ratio | 70.6555% | 4,471 |
| Assets per employee ($millions) | 1.6169% | 7,961 |
| Cash dividends to net income (ytd only)* | 72.7820% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 4,135 |
| Loan loss allowance to noncurrent loans | 387.9050% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1790% | 7,088 |
| Noncurrent loans to loans | 0.3519% | 6,648 |
| Net loans and leases to total assets | 50.1560% | 6,770 |
| Net loans and leases to deposits | 55.8967% | 7,095 |
| Net loans and leases to core deposits | 64.7540% | 7,214 |
| Total domestic deposits to total assets | 89.7298% | 875 |
| Equity capital to assets | 9.6069% | 4,612 |
| Core capital (leverage) ratio | 9.1863% | 4,356 |
| Tier 1 risk-based capital ratio | 17.3475% | 2,171 |
| Total risk-based capital ratio | 18.5979% | 2,116 |
| Memoranda: | ||
| Average total assets | $251,740,750 | 2,608 |
| Average earning assets | $237,330,750 | 2,548 |
| Average equity | $24,305,000 | 2,709 |
| Average total loans | $126,149,500 | 3,384 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5475% | 735 |
| Cost of funding earning assets | 1.1801% | 7,165 |
| Net interest margin | 5.3674% | 222 |
| Noninterest income to average assets | 1.1170% | 1,271 |
| Noninterest expense to average assets | 4.5610% | 733 |
| Loan and lease loss provision to assets | 0.1211% | 5,907 |
| Net operating income to assets | 1.0577% | 1,921 |
| Return on assets (ROA) | 1.0577% | 1,998 |
| Pretax return on assets | 1.4899% | 1,475 |
| Return on Equity (ROE) | 10.9361% | 1,715 |
| Retained earnings to average equity (ytd only) | 3.0014% | 3,653 |
| Net charge-offs to loans | 0.3169% | 3,602 |
| Credit loss provision to net charge-offs | 76.6497% | 5,287 |
| Earnings coverage of net charge-offs (x) | 10.1980% | 2,021 |
| Efficiency ratio | 73.8989% | 4,046 |
| Assets per employee ($millions) | 1.5729% | 8,056 |
| Cash dividends to net income (ytd only)* | 72.5550% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 4,733 |
| Loan loss allowance to noncurrent loans | 1,079.4521% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 7,424 |
| Noncurrent loans to loans | 0.1141% | 7,235 |
| Net loans and leases to total assets | 50.2005% | 6,854 |
| Net loans and leases to deposits | 55.8687% | 7,174 |
| Net loans and leases to core deposits | 64.1498% | 7,296 |
| Total domestic deposits to total assets | 89.8543% | 889 |
| Equity capital to assets | 9.6117% | 4,476 |
| Core capital (leverage) ratio | 9.4569% | 3,947 |
| Tier 1 risk-based capital ratio | 17.5041% | 2,150 |
| Total risk-based capital ratio | 18.6768% | 2,123 |
| Memoranda: | ||
| Average total assets | $249,418,000 | 2,642 |
| Average earning assets | $234,897,670 | 2,576 |
| Average equity | $24,122,000 | 2,741 |
| Average total loans | $124,348,000 | 3,451 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5140% | 846 |
| Cost of funding earning assets | 1.2195% | 7,252 |
| Net interest margin | 5.2944% | 233 |
| Noninterest income to average assets | 1.0520% | 1,340 |
| Noninterest expense to average assets | 4.5913% | 653 |
| Loan and lease loss provision to assets | 0.0886% | 5,829 |
| Net operating income to assets | 0.9601% | 2,477 |
| Return on assets (ROA) | 0.9601% | 2,603 |
| Pretax return on assets | 1.3516% | 2,115 |
| Return on Equity (ROE) | 9.8968% | 2,362 |
| Retained earnings to average equity (ytd only) | 2.4410% | 4,519 |
| Net charge-offs to loans | 0.3068% | 2,883 |
| Credit loss provision to net charge-offs | 58.5106% | 4,545 |
| Earnings coverage of net charge-offs (x) | 9.5106% | 2,054 |
| Efficiency ratio | 76.1218% | 3,467 |
| Assets per employee ($millions) | 1.5543% | 8,102 |
| Cash dividends to net income (ytd only)* | 75.3356% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 4,233 |
| Loan loss allowance to noncurrent loans | 772.1951% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 7,347 |
| Noncurrent loans to loans | 0.1652% | 7,052 |
| Net loans and leases to total assets | 48.9504% | 6,952 |
| Net loans and leases to deposits | 54.4927% | 7,252 |
| Net loans and leases to core deposits | 61.9603% | 7,393 |
| Total domestic deposits to total assets | 89.8293% | 873 |
| Equity capital to assets | 9.6779% | 4,415 |
| Core capital (leverage) ratio | 9.6789% | 3,782 |
| Tier 1 risk-based capital ratio | 17.6608% | 2,138 |
| Total risk-based capital ratio | 18.8602% | 2,094 |
| Memoranda: | ||
| Average total assets | $248,295,500 | 2,666 |
| Average earning assets | $233,529,000 | 2,604 |
| Average equity | $24,088,500 | 2,758 |
| Average total loans | $122,566,000 | 3,505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6861% | 289 |
| Cost of funding earning assets | 1.8807% | 6,788 |
| Net interest margin | 5.8054% | 131 |
| Noninterest income to average assets | 1.2289% | 985 |
| Noninterest expense to average assets | 4.4769% | 889 |
| Loan and lease loss provision to assets | 0.1539% | 5,396 |
| Net operating income to assets | 1.4054% | 1,216 |
| Return on assets (ROA) | 1.1046% | 2,041 |
| Pretax return on assets | 1.4975% | 1,695 |
| Return on Equity (ROE) | 11.5973% | 1,715 |
| Retained earnings to average equity (ytd only) | 1.2440% | 4,475 |
| Net charge-offs to loans | 0.2865% | 3,490 |
| Credit loss provision to net charge-offs | 104.4693% | 5,119 |
| Earnings coverage of net charge-offs (x) | 13.9721% | 2,088 |
| Efficiency ratio | 68.5092% | 4,631 |
| Assets per employee ($millions) | 1.5592% | 8,147 |
| Cash dividends to net income (ytd only)* | 89.2737% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 3,535 |
| Loan loss allowance to noncurrent loans | 553.5836% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 7,102 |
| Noncurrent loans to loans | 0.2420% | 6,659 |
| Net loans and leases to total assets | 48.4810% | 7,149 |
| Net loans and leases to deposits | 54.0849% | 7,432 |
| Net loans and leases to core deposits | 60.9059% | 7,542 |
| Total domestic deposits to total assets | 89.6388% | 787 |
| Equity capital to assets | 9.7255% | 4,395 |
| Core capital (leverage) ratio | 9.6802% | 3,791 |
| Tier 1 risk-based capital ratio | 17.5282% | 2,172 |
| Total risk-based capital ratio | 18.7557% | 2,114 |
| Memoranda: | ||
| Average total assets | $243,069,600 | 2,627 |
| Average earning assets | $222,153,400 | 2,630 |
| Average equity | $23,152,000 | 2,832 |
| Average total loans | $124,936,800 | 3,352 |