Home > Grundy Bank > Performance and Condition Ratios
Grundy Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6112% | 1,855 |
| Cost of funding earning assets | 0.6633% | 4,217 |
| Net interest margin | 4.9480% | 324 |
| Noninterest income to average assets | 0.9400% | 630 |
| Noninterest expense to average assets | 2.4384% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 3.1956% | 126 |
| Return on assets (ROA) | 3.1956% | 128 |
| Pretax return on assets | 3.2204% | 156 |
| Return on Equity (ROE) | 23.8700% | 229 |
| Retained earnings to average equity (ytd only) | 9.5426% | 1,291 |
| Net charge-offs to loans | 0.0032% | 2,174 |
| Credit loss provision to net charge-offs | 500.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 1,428.5000% | 56 |
| Efficiency ratio | 43.0650% | 4,206 |
| Assets per employee ($millions) | 7.0667% | 2,173 |
| Cash dividends to net income (ytd only)* | 60.0282% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 2,393 |
| Loan loss allowance to noncurrent loans | 3,055.2083% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,526 |
| Noncurrent loans to loans | 0.0381% | 3,500 |
| Net loans and leases to total assets | 69.1500% | 1,934 |
| Net loans and leases to deposits | 80.2332% | 2,030 |
| Net loans and leases to core deposits | 80.9578% | 2,629 |
| Total domestic deposits to total assets | 86.1800% | 2,237 |
| Equity capital to assets | 13.3264% | 847 |
| Core capital (leverage) ratio | 12.8011% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8125% | 592 |
| Memoranda: | ||
| Average total assets | $354,490,000 | 2,240 |
| Average earning assets | $338,320,500 | 2,188 |
| Average equity | $47,450,500 | 1,827 |
| Average total loans | $249,504,500 | 2,119 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7857% | 1,605 |
| Cost of funding earning assets | 0.9114% | 4,098 |
| Net interest margin | 4.8743% | 396 |
| Noninterest income to average assets | 0.9800% | 639 |
| Noninterest expense to average assets | 2.5895% | 2,056 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 2.9578% | 145 |
| Return on assets (ROA) | 2.9578% | 148 |
| Pretax return on assets | 3.0023% | 190 |
| Return on Equity (ROE) | 24.2800% | 205 |
| Retained earnings to average equity (ytd only) | 15.0945% | 127 |
| Net charge-offs to loans | 0.0264% | 2,043 |
| Credit loss provision to net charge-offs | 279.3651% | 922 |
| Earnings coverage of net charge-offs (x) | 172.8889% | 558 |
| Efficiency ratio | 45.9481% | 4,169 |
| Assets per employee ($millions) | 6.9715% | 2,177 |
| Cash dividends to net income (ytd only)* | 37.8215% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,247 |
| Loan loss allowance to noncurrent loans | 725.8065% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 2,901 |
| Noncurrent loans to loans | 0.1632% | 2,867 |
| Net loans and leases to total assets | 69.9800% | 1,894 |
| Net loans and leases to deposits | 81.2825% | 2,009 |
| Net loans and leases to core deposits | 81.7100% | 2,647 |
| Total domestic deposits to total assets | 86.1000% | 2,189 |
| Equity capital to assets | 13.4467% | 792 |
| Core capital (leverage) ratio | 12.3274% | 1,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6423% | 606 |
| Memoranda: | ||
| Average total assets | $357,564,400 | 2,208 |
| Average earning assets | $341,443,200 | 2,154 |
| Average equity | $43,565,600 | 1,870 |
| Average total loans | $238,721,000 | 2,138 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7004% | 1,711 |
| Cost of funding earning assets | 0.9331% | 4,099 |
| Net interest margin | 4.7673% | 452 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 2.4898% | 2,286 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 2.9700% | 145 |
| Return on assets (ROA) | 2.9700% | 147 |
| Pretax return on assets | 3.0085% | 197 |
| Return on Equity (ROE) | 25.0000% | 205 |
| Retained earnings to average equity (ytd only) | 12.5253% | 444 |
| Net charge-offs to loans | 0.0169% | 2,047 |
| Credit loss provision to net charge-offs | 326.6667% | 813 |
| Earnings coverage of net charge-offs (x) | 273.6000% | 416 |
| Efficiency ratio | 45.0124% | 4,198 |
| Assets per employee ($millions) | 7.6651% | 1,709 |
| Cash dividends to net income (ytd only)* | 49.9064% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,204 |
| Loan loss allowance to noncurrent loans | 1,165.9919% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0620% | 3,294 |
| Noncurrent loans to loans | 0.1031% | 3,166 |
| Net loans and leases to total assets | 59.3700% | 2,976 |
| Net loans and leases to deposits | 67.2919% | 3,160 |
| Net loans and leases to core deposits | 67.6578% | 3,507 |
| Total domestic deposits to total assets | 88.2300% | 1,175 |
| Equity capital to assets | 11.1522% | 1,658 |
| Core capital (leverage) ratio | 10.4220% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9972% | 685 |
| Memoranda: | ||
| Average total assets | $359,811,500 | 2,184 |
| Average earning assets | $343,665,250 | 2,130 |
| Average equity | $42,739,000 | 1,896 |
| Average total loans | $236,683,500 | 2,141 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6337% | 1,716 |
| Cost of funding earning assets | 0.7182% | 4,240 |
| Net interest margin | 4.9155% | 372 |
| Noninterest income to average assets | 0.9900% | 609 |
| Noninterest expense to average assets | 2.5565% | 2,076 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 3.0805% | 143 |
| Return on assets (ROA) | 3.0805% | 146 |
| Pretax return on assets | 3.1140% | 191 |
| Return on Equity (ROE) | 25.3400% | 211 |
| Retained earnings to average equity (ytd only) | 15.8555% | 249 |
| Net charge-offs to loans | 0.0068% | 2,167 |
| Credit loss provision to net charge-offs | 362.5000% | 747 |
| Earnings coverage of net charge-offs (x) | 677.3750% | 173 |
| Efficiency ratio | 45.0015% | 4,216 |
| Assets per employee ($millions) | 6.6858% | 2,273 |
| Cash dividends to net income (ytd only)* | 37.4322% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,276 |
| Loan loss allowance to noncurrent loans | 1,146.9636% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,195 |
| Noncurrent loans to loans | 0.1041% | 3,128 |
| Net loans and leases to total assets | 66.1600% | 2,328 |
| Net loans and leases to deposits | 75.8458% | 2,555 |
| Net loans and leases to core deposits | 76.2958% | 3,016 |
| Total domestic deposits to total assets | 87.2200% | 1,566 |
| Equity capital to assets | 12.2863% | 1,068 |
| Core capital (leverage) ratio | 11.7490% | 1,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9888% | 676 |
| Memoranda: | ||
| Average total assets | $346,886,667 | 2,221 |
| Average earning assets | $330,832,333 | 2,186 |
| Average equity | $42,168,333 | 1,893 |
| Average total loans | $235,738,667 | 2,139 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 1,676 |
| Cost of funding earning assets | 0.7322% | 4,225 |
| Net interest margin | 4.8396% | 395 |
| Noninterest income to average assets | 0.9300% | 633 |
| Noninterest expense to average assets | 2.5108% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 3.0085% | 162 |
| Return on assets (ROA) | 3.0085% | 163 |
| Pretax return on assets | 3.0377% | 214 |
| Return on Equity (ROE) | 24.8900% | 235 |
| Retained earnings to average equity (ytd only) | 24.8864% | 97 |
| Net charge-offs to loans | 0.0136% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 325.7500% | 282 |
| Efficiency ratio | 45.2521% | 4,205 |
| Assets per employee ($millions) | 6.1601% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,279 |
| Loan loss allowance to noncurrent loans | 810.4046% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 2,943 |
| Noncurrent loans to loans | 0.1482% | 2,872 |
| Net loans and leases to total assets | 68.0700% | 2,008 |
| Net loans and leases to deposits | 78.3054% | 2,211 |
| Net loans and leases to core deposits | 78.7931% | 2,812 |
| Total domestic deposits to total assets | 86.9300% | 1,801 |
| Equity capital to assets | 12.6236% | 953 |
| Core capital (leverage) ratio | 11.5283% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0391% | 689 |
| Memoranda: | ||
| Average total assets | $343,157,500 | 2,243 |
| Average earning assets | $327,214,500 | 2,207 |
| Average equity | $41,484,500 | 1,903 |
| Average total loans | $234,980,500 | 2,140 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 2,147 |
| Cost of funding earning assets | 0.6682% | 3,973 |
| Net interest margin | 4.2957% | 819 |
| Noninterest income to average assets | 0.8800% | 794 |
| Noninterest expense to average assets | 2.2841% | 2,889 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 2.6258% | 220 |
| Return on assets (ROA) | 2.6258% | 217 |
| Pretax return on assets | 2.6610% | 290 |
| Return on Equity (ROE) | 23.9600% | 354 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0288% | 1,724 |
| Credit loss provision to net charge-offs | 179.6875% | 1,312 |
| Earnings coverage of net charge-offs (x) | 158.7188% | 685 |
| Efficiency ratio | 45.7546% | 4,200 |
| Assets per employee ($millions) | 6.3184% | 2,539 |
| Cash dividends to net income (ytd only)* | 100.0000% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 2,365 |
| Loan loss allowance to noncurrent loans | 812.7168% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 2,860 |
| Noncurrent loans to loans | 0.1463% | 2,784 |
| Net loans and leases to total assets | 67.2600% | 2,122 |
| Net loans and leases to deposits | 76.3798% | 2,419 |
| Net loans and leases to core deposits | 76.7874% | 2,925 |
| Total domestic deposits to total assets | 88.0500% | 1,337 |
| Equity capital to assets | 11.5679% | 1,259 |
| Core capital (leverage) ratio | 10.7423% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6455% | 826 |
| Memoranda: | ||
| Average total assets | $375,121,400 | 2,098 |
| Average earning assets | $359,337,800 | 2,049 |
| Average equity | $41,106,000 | 1,846 |
| Average total loans | $222,025,400 | 2,150 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 2,227 |
| Cost of funding earning assets | 0.6429% | 3,892 |
| Net interest margin | 4.1732% | 957 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 2.1349% | 3,253 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.6668% | 229 |
| Return on assets (ROA) | 2.6668% | 227 |
| Pretax return on assets | 2.7024% | 312 |
| Return on Equity (ROE) | 24.6500% | 399 |
| Retained earnings to average equity (ytd only) | 9.0032% | 1,689 |
| Net charge-offs to loans | 0.0043% | 2,332 |
| Credit loss provision to net charge-offs | 628.5714% | 542 |
| Earnings coverage of net charge-offs (x) | 1,120.5714% | 139 |
| Efficiency ratio | 43.8149% | 4,241 |
| Assets per employee ($millions) | 6.3974% | 2,403 |
| Cash dividends to net income (ytd only)* | 63.4734% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,287 |
| Loan loss allowance to noncurrent loans | 717.4359% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,847 |
| Noncurrent loans to loans | 0.1693% | 2,690 |
| Net loans and leases to total assets | 63.5100% | 2,505 |
| Net loans and leases to deposits | 72.6303% | 2,670 |
| Net loans and leases to core deposits | 73.0081% | 3,055 |
| Total domestic deposits to total assets | 87.4400% | 1,762 |
| Equity capital to assets | 11.9591% | 1,044 |
| Core capital (leverage) ratio | 10.6973% | 2,234 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4885% | 664 |
| Memoranda: | ||
| Average total assets | $382,023,750 | 2,069 |
| Average earning assets | $366,260,750 | 2,019 |
| Average equity | $41,332,500 | 1,821 |
| Average total loans | $218,398,750 | 2,168 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 2,587 |
| Cost of funding earning assets | 0.4990% | 3,978 |
| Net interest margin | 4.0257% | 1,199 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.0034% | 3,588 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 2.6239% | 217 |
| Return on assets (ROA) | 2.6239% | 214 |
| Pretax return on assets | 2.6537% | 293 |
| Return on Equity (ROE) | 25.0600% | 381 |
| Retained earnings to average equity (ytd only) | 6.2015% | 2,547 |
| Net charge-offs to loans | 0.0019% | 2,314 |
| Credit loss provision to net charge-offs | 5,200.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 2,655.0000% | 47 |
| Efficiency ratio | 42.3828% | 4,323 |
| Assets per employee ($millions) | 8.7174% | 999 |
| Cash dividends to net income (ytd only)* | 75.2541% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 1,777 |
| Loan loss allowance to noncurrent loans | 867.5758% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 3,043 |
| Noncurrent loans to loans | 0.1539% | 2,700 |
| Net loans and leases to total assets | 46.6600% | 3,762 |
| Net loans and leases to deposits | 51.5296% | 3,857 |
| Net loans and leases to core deposits | 51.7333% | 3,966 |
| Total domestic deposits to total assets | 90.5400% | 768 |
| Equity capital to assets | 9.1049% | 2,440 |
| Core capital (leverage) ratio | 10.3389% | 2,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3226% | 602 |
| Memoranda: | ||
| Average total assets | $389,946,667 | 2,040 |
| Average earning assets | $374,346,667 | 1,996 |
| Average equity | $40,828,667 | 1,849 |
| Average total loans | $214,422,667 | 2,194 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5467% | 2,200 |
| Cost of funding earning assets | 0.4073% | 3,953 |
| Net interest margin | 4.1394% | 1,046 |
| Noninterest income to average assets | 0.8500% | 761 |
| Noninterest expense to average assets | 2.0621% | 3,469 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.7253% | 200 |
| Return on assets (ROA) | 2.7253% | 196 |
| Pretax return on assets | 2.7499% | 268 |
| Return on Equity (ROE) | 24.0500% | 453 |
| Retained earnings to average equity (ytd only) | 9.2695% | 1,871 |
| Net charge-offs to loans | 0.0056% | 1,759 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 821.0000% | 133 |
| Efficiency ratio | 42.8538% | 4,349 |
| Assets per employee ($millions) | 6.4202% | 2,390 |
| Cash dividends to net income (ytd only)* | 61.4502% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,074 |
| Loan loss allowance to noncurrent loans | 947.7663% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 2,978 |
| Noncurrent loans to loans | 0.1362% | 2,823 |
| Net loans and leases to total assets | 59.7200% | 2,689 |
| Net loans and leases to deposits | 67.8929% | 2,778 |
| Net loans and leases to core deposits | 68.4362% | 3,062 |
| Total domestic deposits to total assets | 87.9600% | 1,941 |
| Equity capital to assets | 11.6402% | 1,111 |
| Core capital (leverage) ratio | 10.6398% | 2,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3509% | 709 |
| Memoranda: | ||
| Average total assets | $358,267,000 | 2,200 |
| Average earning assets | $342,757,000 | 2,163 |
| Average equity | $40,606,500 | 1,877 |
| Average total loans | $214,456,000 | 2,208 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2117% | 3,806 |
| Cost of funding earning assets | 0.2038% | 3,727 |
| Net interest margin | 3.0079% | 3,431 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.1037% | 3,283 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.5165% | 845 |
| Return on assets (ROA) | 1.5165% | 818 |
| Pretax return on assets | 1.5401% | 1,324 |
| Return on Equity (ROE) | 15.3800% | 1,174 |
| Retained earnings to average equity (ytd only) | 11.5310% | 771 |
| Net charge-offs to loans | 0.0081% | 2,086 |
| Credit loss provision to net charge-offs | -937.5000% | 4,664 |
| Earnings coverage of net charge-offs (x) | 358.3125% | 427 |
| Efficiency ratio | 58.3630% | 3,284 |
| Assets per employee ($millions) | 6.9889% | 1,985 |
| Cash dividends to net income (ytd only)* | 25.0129% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,088 |
| Loan loss allowance to noncurrent loans | 933.3333% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 2,997 |
| Noncurrent loans to loans | 0.1352% | 2,837 |
| Net loans and leases to total assets | 58.4900% | 2,775 |
| Net loans and leases to deposits | 65.9825% | 2,891 |
| Net loans and leases to core deposits | 66.3966% | 3,103 |
| Total domestic deposits to total assets | 88.6400% | 1,831 |
| Equity capital to assets | 11.0368% | 1,241 |
| Core capital (leverage) ratio | 10.0957% | 2,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7790% | 747 |
| Memoranda: | ||
| Average total assets | $381,999,000 | 2,097 |
| Average earning assets | $366,595,400 | 2,043 |
| Average equity | $37,672,400 | 2,010 |
| Average total loans | $197,445,800 | 2,245 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8628% | 4,110 |
| Cost of funding earning assets | 0.1555% | 3,786 |
| Net interest margin | 2.7072% | 3,910 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.0052% | 3,474 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.2935% | 1,370 |
| Return on assets (ROA) | 1.2935% | 1,339 |
| Pretax return on assets | 1.3169% | 1,989 |
| Return on Equity (ROE) | 13.4900% | 1,571 |
| Retained earnings to average equity (ytd only) | 8.2776% | 1,896 |
| Net charge-offs to loans | 0.0090% | 1,796 |
| Credit loss provision to net charge-offs | -730.7692% | 4,711 |
| Earnings coverage of net charge-offs (x) | 286.4615% | 489 |
| Efficiency ratio | 60.9603% | 2,982 |
| Assets per employee ($millions) | 8.2626% | 1,189 |
| Cash dividends to net income (ytd only)* | 38.6564% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,900 |
| Loan loss allowance to noncurrent loans | 1,422.5641% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0472% | 3,430 |
| Noncurrent loans to loans | 0.0933% | 3,212 |
| Net loans and leases to total assets | 49.9100% | 3,469 |
| Net loans and leases to deposits | 55.1753% | 3,538 |
| Net loans and leases to core deposits | 55.8324% | 3,637 |
| Total domestic deposits to total assets | 90.4700% | 1,444 |
| Equity capital to assets | 9.1973% | 2,085 |
| Core capital (leverage) ratio | 8.6732% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0353% | 859 |
| Memoranda: | ||
| Average total assets | $386,643,500 | 2,093 |
| Average earning assets | $371,191,750 | 2,036 |
| Average equity | $37,063,000 | 2,063 |
| Average total loans | $192,989,250 | 2,281 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5767% | 4,296 |
| Cost of funding earning assets | 0.0541% | 4,570 |
| Net interest margin | 2.5226% | 4,052 |
| Noninterest income to average assets | 0.7072% | 1,305 |
| Noninterest expense to average assets | 2.0126% | 3,401 |
| Loan and lease loss provision to assets | -0.1059% | 4,603 |
| Net operating income to assets | 1.1969% | 1,441 |
| Return on assets (ROA) | 1.1969% | 1,422 |
| Pretax return on assets | 1.2207% | 2,003 |
| Return on Equity (ROE) | 12.3042% | 1,581 |
| Retained earnings to average equity (ytd only) | 8.4949% | 1,440 |
| Net charge-offs to loans | 0.0064% | 1,768 |
| Credit loss provision to net charge-offs | -3,333.3333% | 3,732 |
| Earnings coverage of net charge-offs (x) | 351.0000% | 355 |
| Efficiency ratio | 64.3534% | 2,722 |
| Assets per employee ($millions) | 7.3819% | 1,681 |
| Cash dividends to net income (ytd only)* | 30.9598% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,903 |
| Loan loss allowance to noncurrent loans | 1,379.3814% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 3,495 |
| Noncurrent loans to loans | 0.0990% | 3,264 |
| Net loans and leases to total assets | 49.4062% | 3,431 |
| Net loans and leases to deposits | 54.8129% | 3,482 |
| Net loans and leases to core deposits | 55.4653% | 3,615 |
| Total domestic deposits to total assets | 90.1362% | 1,658 |
| Equity capital to assets | 9.5376% | 1,991 |
| Core capital (leverage) ratio | 9.2666% | 3,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9317% | 732 |
| Memoranda: | ||
| Average total assets | $377,814,000 | 2,128 |
| Average earning assets | $362,482,667 | 2,093 |
| Average equity | $36,751,667 | 2,126 |
| Average total loans | $187,657,000 | 2,324 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4360% | 4,339 |
| Cost of funding earning assets | 0.0416% | 4,652 |
| Net interest margin | 2.3944% | 4,082 |
| Noninterest income to average assets | 0.7276% | 1,229 |
| Noninterest expense to average assets | 2.0512% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9345% | 2,136 |
| Return on assets (ROA) | 0.9345% | 2,127 |
| Pretax return on assets | 0.9722% | 2,532 |
| Return on Equity (ROE) | 9.5092% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.5092% | 1,145 |
| Net charge-offs to loans | 0.0044% | 1,606 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 451.0000% | 226 |
| Efficiency ratio | 67.8431% | 2,527 |
| Assets per employee ($millions) | 7.2631% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5583% | 1,382 |
| Loan loss allowance to noncurrent loans | 2,057.1429% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,659 |
| Noncurrent loans to loans | 0.0757% | 3,464 |
| Net loans and leases to total assets | 49.1178% | 3,265 |
| Net loans and leases to deposits | 55.5497% | 3,303 |
| Net loans and leases to core deposits | 56.2765% | 3,427 |
| Total domestic deposits to total assets | 88.4213% | 2,327 |
| Equity capital to assets | 9.9382% | 1,943 |
| Core capital (leverage) ratio | 9.0437% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5934% | 684 |
| Memoranda: | ||
| Average total assets | $371,101,000 | 2,167 |
| Average earning assets | $355,827,000 | 2,127 |
| Average equity | $36,470,000 | 2,196 |
| Average total loans | $183,499,000 | 2,351 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6912% | 4,319 |
| Cost of funding earning assets | 0.0400% | 4,729 |
| Net interest margin | 2.6511% | 3,959 |
| Noninterest income to average assets | 1.5604% | 463 |
| Noninterest expense to average assets | 2.3368% | 2,695 |
| Loan and lease loss provision to assets | 0.0844% | 1,452 |
| Net operating income to assets | 1.5531% | 905 |
| Return on assets (ROA) | 1.5531% | 935 |
| Pretax return on assets | 1.6726% | 1,211 |
| Return on Equity (ROE) | 16.4671% | 685 |
| Retained earnings to average equity (ytd only) | 16.4671% | 147 |
| Net charge-offs to loans | 0.0129% | 2,084 |
| Credit loss provision to net charge-offs | 1,250.0000% | 447 |
| Earnings coverage of net charge-offs (x) | 260.3333% | 452 |
| Efficiency ratio | 57.0820% | 3,568 |
| Assets per employee ($millions) | 7.1497% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5820% | 1,298 |
| Loan loss allowance to noncurrent loans | 1,063.4686% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 3,445 |
| Noncurrent loans to loans | 0.1488% | 3,193 |
| Net loans and leases to total assets | 48.2256% | 3,481 |
| Net loans and leases to deposits | 54.3805% | 3,569 |
| Net loans and leases to core deposits | 55.2558% | 3,679 |
| Total domestic deposits to total assets | 88.6818% | 1,678 |
| Equity capital to assets | 9.7173% | 2,926 |
| Core capital (leverage) ratio | 8.7899% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4151% | 707 |
| Memoranda: | ||
| Average total assets | $355,618,800 | 2,170 |
| Average earning assets | $339,816,200 | 2,129 |
| Average equity | $33,539,600 | 2,356 |
| Average total loans | $186,497,600 | 2,333 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7424% | 4,365 |
| Cost of funding earning assets | 0.0389% | 4,816 |
| Net interest margin | 2.7034% | 3,965 |
| Noninterest income to average assets | 1.6360% | 469 |
| Noninterest expense to average assets | 2.3156% | 2,705 |
| Loan and lease loss provision to assets | 0.1138% | 1,055 |
| Net operating income to assets | 1.7619% | 727 |
| Return on assets (ROA) | 1.7619% | 758 |
| Pretax return on assets | 1.7877% | 1,188 |
| Return on Equity (ROE) | 18.8325% | 531 |
| Retained earnings to average equity (ytd only) | 18.8325% | 167 |
| Net charge-offs to loans | 0.0178% | 1,706 |
| Credit loss provision to net charge-offs | 1,200.0000% | 468 |
| Earnings coverage of net charge-offs (x) | 200.5600% | 551 |
| Efficiency ratio | 54.9101% | 3,672 |
| Assets per employee ($millions) | 8.1646% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 1,409 |
| Loan loss allowance to noncurrent loans | 1,063.0996% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,665 |
| Noncurrent loans to loans | 0.1480% | 3,378 |
| Net loans and leases to total assets | 44.1521% | 3,944 |
| Net loans and leases to deposits | 49.1799% | 4,056 |
| Net loans and leases to core deposits | 49.8962% | 4,146 |
| Total domestic deposits to total assets | 89.7766% | 875 |
| Equity capital to assets | 8.6463% | 4,104 |
| Core capital (leverage) ratio | 8.3466% | 4,178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0731% | 803 |
| Memoranda: | ||
| Average total assets | $351,578,000 | 2,209 |
| Average earning assets | $335,664,500 | 2,176 |
| Average equity | $32,892,750 | 2,420 |
| Average total loans | $187,578,000 | 2,358 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9239% | 4,183 |
| Cost of funding earning assets | 0.0392% | 4,860 |
| Net interest margin | 2.8847% | 3,613 |
| Noninterest income to average assets | 1.6123% | 478 |
| Noninterest expense to average assets | 2.4599% | 2,275 |
| Loan and lease loss provision to assets | 0.1803% | 631 |
| Net operating income to assets | 1.6898% | 890 |
| Return on assets (ROA) | 1.6898% | 934 |
| Pretax return on assets | 1.7169% | 1,439 |
| Return on Equity (ROE) | 17.5187% | 715 |
| Retained earnings to average equity (ytd only) | 17.5187% | 246 |
| Net charge-offs to loans | 0.0254% | 1,436 |
| Credit loss provision to net charge-offs | 1,250.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 131.5000% | 641 |
| Efficiency ratio | 56.4570% | 3,484 |
| Assets per employee ($millions) | 6.6442% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5769% | 1,337 |
| Loan loss allowance to noncurrent loans | 1,063.4686% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 3,681 |
| Noncurrent loans to loans | 0.1483% | 3,460 |
| Net loans and leases to total assets | 52.0645% | 3,334 |
| Net loans and leases to deposits | 58.8376% | 3,472 |
| Net loans and leases to core deposits | 59.7775% | 3,631 |
| Total domestic deposits to total assets | 88.4886% | 1,569 |
| Equity capital to assets | 9.6836% | 3,169 |
| Core capital (leverage) ratio | 8.8654% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5528% | 882 |
| Memoranda: | ||
| Average total assets | $332,693,333 | 2,290 |
| Average earning assets | $316,568,000 | 2,255 |
| Average equity | $32,091,333 | 2,446 |
| Average total loans | $189,062,667 | 2,361 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0306% | 4,020 |
| Cost of funding earning assets | 0.0387% | 4,900 |
| Net interest margin | 2.9919% | 3,280 |
| Noninterest income to average assets | 1.5679% | 567 |
| Noninterest expense to average assets | 2.3783% | 2,567 |
| Loan and lease loss provision to assets | 0.1839% | 670 |
| Net operating income to assets | 1.8192% | 757 |
| Return on assets (ROA) | 1.8192% | 809 |
| Pretax return on assets | 1.8474% | 1,203 |
| Return on Equity (ROE) | 18.8993% | 635 |
| Retained earnings to average equity (ytd only) | 18.8993% | 322 |
| Net charge-offs to loans | 0.0583% | 934 |
| Credit loss provision to net charge-offs | 535.7143% | 577 |
| Earnings coverage of net charge-offs (x) | 59.1786% | 829 |
| Efficiency ratio | 53.9338% | 3,787 |
| Assets per employee ($millions) | 6.5652% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4170% | 1,883 |
| Loan loss allowance to noncurrent loans | 640.3756% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 3,488 |
| Noncurrent loans to loans | 0.2213% | 3,306 |
| Net loans and leases to total assets | 56.6838% | 2,957 |
| Net loans and leases to deposits | 63.7718% | 3,144 |
| Net loans and leases to core deposits | 64.8802% | 3,326 |
| Total domestic deposits to total assets | 88.8853% | 1,400 |
| Equity capital to assets | 9.5993% | 3,105 |
| Core capital (leverage) ratio | 8.8348% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2234% | 1,038 |
| Memoranda: | ||
| Average total assets | $326,290,000 | 2,310 |
| Average earning assets | $309,903,500 | 2,270 |
| Average equity | $31,408,500 | 2,470 |
| Average total loans | $192,211,500 | 2,338 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 3,583 |
| Cost of funding earning assets | 0.0556% | 4,931 |
| Net interest margin | 3.6403% | 2,010 |
| Noninterest income to average assets | 1.4846% | 550 |
| Noninterest expense to average assets | 2.6704% | 2,327 |
| Loan and lease loss provision to assets | 0.1705% | 2,250 |
| Net operating income to assets | 2.0483% | 243 |
| Return on assets (ROA) | 2.0483% | 259 |
| Pretax return on assets | 2.0814% | 381 |
| Return on Equity (ROE) | 19.3447% | 263 |
| Retained earnings to average equity (ytd only) | 5.7525% | 1,923 |
| Net charge-offs to loans | 0.0300% | 2,428 |
| Credit loss provision to net charge-offs | 877.1930% | 844 |
| Earnings coverage of net charge-offs (x) | 115.8421% | 720 |
| Efficiency ratio | 54.2507% | 4,185 |
| Assets per employee ($millions) | 5.8843% | 2,455 |
| Cash dividends to net income (ytd only)* | 70.2631% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3580% | 2,160 |
| Loan loss allowance to noncurrent loans | 575.2759% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 3,498 |
| Noncurrent loans to loans | 0.2361% | 3,354 |
| Net loans and leases to total assets | 59.5734% | 2,912 |
| Net loans and leases to deposits | 67.1707% | 3,166 |
| Net loans and leases to core deposits | 68.4044% | 3,382 |
| Total domestic deposits to total assets | 88.6897% | 1,126 |
| Equity capital to assets | 9.6540% | 3,452 |
| Core capital (leverage) ratio | 8.5873% | 4,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1411% | 1,227 |
| Memoranda: | ||
| Average total assets | $293,217,800 | 2,328 |
| Average earning assets | $276,898,600 | 2,307 |
| Average equity | $31,047,200 | 2,427 |
| Average total loans | $189,738,200 | 2,330 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8341% | 3,455 |
| Cost of funding earning assets | 0.0596% | 4,976 |
| Net interest margin | 3.7745% | 1,696 |
| Noninterest income to average assets | 1.3803% | 581 |
| Noninterest expense to average assets | 2.6384% | 2,421 |
| Loan and lease loss provision to assets | 0.1627% | 2,378 |
| Net operating income to assets | 2.1104% | 239 |
| Return on assets (ROA) | 2.1104% | 251 |
| Pretax return on assets | 2.1396% | 389 |
| Return on Equity (ROE) | 19.4557% | 262 |
| Retained earnings to average equity (ytd only) | 19.4557% | 87 |
| Net charge-offs to loans | 0.0092% | 2,781 |
| Credit loss provision to net charge-offs | 2,692.3077% | 375 |
| Earnings coverage of net charge-offs (x) | 381.3077% | 300 |
| Efficiency ratio | 53.4029% | 4,213 |
| Assets per employee ($millions) | 6.3981% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,363 |
| Loan loss allowance to noncurrent loans | 3,521.1268% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,214 |
| Noncurrent loans to loans | 0.0357% | 4,250 |
| Net loans and leases to total assets | 61.3766% | 3,079 |
| Net loans and leases to deposits | 69.8422% | 3,324 |
| Net loans and leases to core deposits | 71.6507% | 3,505 |
| Total domestic deposits to total assets | 87.8790% | 1,273 |
| Equity capital to assets | 10.4609% | 2,828 |
| Core capital (leverage) ratio | 9.1394% | 3,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0257% | 911 |
| Memoranda: | ||
| Average total assets | $287,083,750 | 2,344 |
| Average earning assets | $270,793,750 | 2,326 |
| Average equity | $31,140,000 | 2,416 |
| Average total loans | $189,197,000 | 2,329 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,275 |
| Cost of funding earning assets | 0.0670% | 5,011 |
| Net interest margin | 3.9527% | 1,439 |
| Noninterest income to average assets | 1.1371% | 775 |
| Noninterest expense to average assets | 2.6914% | 2,408 |
| Loan and lease loss provision to assets | 0.1449% | 2,559 |
| Net operating income to assets | 1.9881% | 343 |
| Return on assets (ROA) | 1.9881% | 379 |
| Pretax return on assets | 2.0185% | 526 |
| Return on Equity (ROE) | 18.0800% | 359 |
| Retained earnings to average equity (ytd only) | 18.0800% | 120 |
| Net charge-offs to loans | 0.0011% | 2,992 |
| Credit loss provision to net charge-offs | 20,000.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 2,987.0000% | 23 |
| Efficiency ratio | 55.4379% | 4,010 |
| Assets per employee ($millions) | 5.6239% | 2,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 2,487 |
| Loan loss allowance to noncurrent loans | 3,326.7606% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 4,186 |
| Noncurrent loans to loans | 0.0362% | 4,334 |
| Net loans and leases to total assets | 64.9554% | 2,761 |
| Net loans and leases to deposits | 74.1420% | 3,067 |
| Net loans and leases to core deposits | 75.9160% | 3,288 |
| Total domestic deposits to total assets | 87.6095% | 1,373 |
| Equity capital to assets | 10.6450% | 2,624 |
| Core capital (leverage) ratio | 9.8957% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0403% | 1,050 |
| Memoranda: | ||
| Average total assets | $276,142,667 | 2,371 |
| Average earning assets | $259,718,333 | 2,361 |
| Average equity | $30,365,000 | 2,444 |
| Average total loans | $185,980,000 | 2,349 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,913 |
| Cost of funding earning assets | 0.0773% | 5,059 |
| Net interest margin | 4.2248% | 872 |
| Noninterest income to average assets | 1.0574% | 765 |
| Noninterest expense to average assets | 2.7498% | 2,580 |
| Loan and lease loss provision to assets | 0.0754% | 2,787 |
| Net operating income to assets | 2.1600% | 199 |
| Return on assets (ROA) | 2.1600% | 214 |
| Pretax return on assets | 2.1917% | 301 |
| Return on Equity (ROE) | 19.2972% | 195 |
| Retained earnings to average equity (ytd only) | 19.2972% | 70 |
| Net charge-offs to loans | 0.0022% | 2,512 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 1,503.0000% | 28 |
| Efficiency ratio | 54.8106% | 4,323 |
| Assets per employee ($millions) | 4.4764% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,555 |
| Loan loss allowance to noncurrent loans | 2,257.1429% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 4,125 |
| Noncurrent loans to loans | 0.0541% | 4,336 |
| Net loans and leases to total assets | 70.1081% | 2,232 |
| Net loans and leases to deposits | 79.9413% | 2,687 |
| Net loans and leases to core deposits | 81.9985% | 3,021 |
| Total domestic deposits to total assets | 87.6995% | 1,231 |
| Equity capital to assets | 11.9442% | 2,114 |
| Core capital (leverage) ratio | 10.1721% | 3,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1366% | 1,314 |
| Memoranda: | ||
| Average total assets | $265,181,000 | 2,393 |
| Average earning assets | $248,535,000 | 2,378 |
| Average equity | $29,683,000 | 2,471 |
| Average total loans | $180,984,000 | 2,348 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 3,387 |
| Cost of funding earning assets | 0.0914% | 5,115 |
| Net interest margin | 4.2602% | 1,183 |
| Noninterest income to average assets | 0.9271% | 1,125 |
| Noninterest expense to average assets | 2.6192% | 3,122 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.2773% | 192 |
| Return on assets (ROA) | 2.2773% | 205 |
| Pretax return on assets | 2.3096% | 305 |
| Return on Equity (ROE) | 21.0042% | 163 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,696 |
| Net charge-offs to loans | 0.0085% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 428.6667% | 216 |
| Efficiency ratio | 53.1409% | 4,503 |
| Assets per employee ($millions) | 4.6646% | 2,999 |
| Cash dividends to net income (ytd only)* | 100.0000% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 2,454 |
| Loan loss allowance to noncurrent loans | 216,300.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0567% | 4,345 |
| Noncurrent loans to loans | 0.0006% | 4,618 |
| Net loans and leases to total assets | 64.9361% | 3,080 |
| Net loans and leases to deposits | 73.7764% | 3,375 |
| Net loans and leases to core deposits | 75.6192% | 3,603 |
| Total domestic deposits to total assets | 88.0175% | 1,118 |
| Equity capital to assets | 10.4975% | 3,447 |
| Core capital (leverage) ratio | 9.4291% | 4,133 |
| Tier 1 risk-based capital ratio | 15.1027% | 2,739 |
| Total risk-based capital ratio | 16.3534% | 2,666 |
| Memoranda: | ||
| Average total assets | $278,404,200 | 2,278 |
| Average earning assets | $261,513,200 | 2,265 |
| Average equity | $30,184,400 | 2,383 |
| Average total loans | $175,852,800 | 2,362 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3736% | 3,438 |
| Cost of funding earning assets | 0.0931% | 5,190 |
| Net interest margin | 4.2805% | 1,200 |
| Noninterest income to average assets | 0.9675% | 1,004 |
| Noninterest expense to average assets | 2.5257% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.4302% | 183 |
| Return on assets (ROA) | 2.4302% | 191 |
| Pretax return on assets | 2.4598% | 269 |
| Return on Equity (ROE) | 22.2406% | 153 |
| Retained earnings to average equity (ytd only) | 8.0370% | 1,373 |
| Net charge-offs to loans | 0.0137% | 2,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 286.1596% | 320 |
| Efficiency ratio | 50.6609% | 4,702 |
| Assets per employee ($millions) | 4.8760% | 2,696 |
| Cash dividends to net income (ytd only)* | 63.8633% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2265% | 2,356 |
| Loan loss allowance to noncurrent loans | 21,600.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 4,262 |
| Noncurrent loans to loans | 0.0057% | 4,662 |
| Net loans and leases to total assets | 62.5883% | 3,434 |
| Net loans and leases to deposits | 70.7411% | 3,710 |
| Net loans and leases to core deposits | 72.4276% | 3,919 |
| Total domestic deposits to total assets | 88.4752% | 841 |
| Equity capital to assets | 11.0570% | 3,049 |
| Core capital (leverage) ratio | 9.2105% | 4,470 |
| Tier 1 risk-based capital ratio | 16.5365% | 2,254 |
| Total risk-based capital ratio | 17.7878% | 2,187 |
| Memoranda: | ||
| Average total assets | $279,203,000 | 2,292 |
| Average earning assets | $262,079,750 | 2,275 |
| Average equity | $30,508,000 | 2,375 |
| Average total loans | $174,597,750 | 2,399 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 3,789 |
| Cost of funding earning assets | 0.0960% | 5,230 |
| Net interest margin | 4.1551% | 1,474 |
| Noninterest income to average assets | 0.9019% | 1,070 |
| Noninterest expense to average assets | 2.4497% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.3252% | 203 |
| Return on assets (ROA) | 2.3252% | 213 |
| Pretax return on assets | 2.3546% | 313 |
| Return on Equity (ROE) | 21.3645% | 190 |
| Retained earnings to average equity (ytd only) | 21.3645% | 48 |
| Net charge-offs to loans | 0.0253% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 149.6364% | 500 |
| Efficiency ratio | 50.9900% | 4,727 |
| Assets per employee ($millions) | 5.3738% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,359 |
| Loan loss allowance to noncurrent loans | 107,800.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,261 |
| Noncurrent loans to loans | 0.0011% | 4,737 |
| Net loans and leases to total assets | 58.5566% | 3,860 |
| Net loans and leases to deposits | 66.4093% | 4,071 |
| Net loans and leases to core deposits | 68.4117% | 4,188 |
| Total domestic deposits to total assets | 88.1752% | 1,020 |
| Equity capital to assets | 10.8808% | 3,193 |
| Core capital (leverage) ratio | 10.6077% | 2,977 |
| Tier 1 risk-based capital ratio | 17.3526% | 1,984 |
| Total risk-based capital ratio | 18.6033% | 1,940 |
| Memoranda: | ||
| Average total assets | $279,626,670 | 2,300 |
| Average earning assets | $262,615,670 | 2,282 |
| Average equity | $30,433,670 | 2,381 |
| Average total loans | $174,092,670 | 2,417 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 3,399 |
| Cost of funding earning assets | 0.0974% | 5,286 |
| Net interest margin | 4.2539% | 1,187 |
| Noninterest income to average assets | 0.9070% | 1,028 |
| Noninterest expense to average assets | 2.4913% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.3750% | 201 |
| Return on assets (ROA) | 2.3750% | 213 |
| Pretax return on assets | 2.4045% | 295 |
| Return on Equity (ROE) | 21.8187% | 179 |
| Retained earnings to average equity (ytd only) | 21.8187% | 73 |
| Net charge-offs to loans | 0.0092% | 2,366 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 408.2500% | 190 |
| Efficiency ratio | 50.8872% | 4,768 |
| Assets per employee ($millions) | 4.8566% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,294 |
| Loan loss allowance to noncurrent loans | 1,092.4623% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1798% | 3,915 |
| Noncurrent loans to loans | 0.1149% | 4,224 |
| Net loans and leases to total assets | 62.8580% | 3,415 |
| Net loans and leases to deposits | 71.5688% | 3,635 |
| Net loans and leases to core deposits | 73.9502% | 3,798 |
| Total domestic deposits to total assets | 87.8288% | 1,433 |
| Equity capital to assets | 11.1799% | 2,679 |
| Core capital (leverage) ratio | 10.0460% | 3,553 |
| Tier 1 risk-based capital ratio | 16.5505% | 2,249 |
| Total risk-based capital ratio | 17.8017% | 2,200 |
| Memoranda: | ||
| Average total assets | $271,661,500 | 2,368 |
| Average earning assets | $254,733,500 | 2,347 |
| Average equity | $29,571,000 | 2,429 |
| Average total loans | $173,527,000 | 2,441 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 4,135 |
| Cost of funding earning assets | 0.0784% | 5,329 |
| Net interest margin | 3.8834% | 2,382 |
| Noninterest income to average assets | 0.9506% | 1,060 |
| Noninterest expense to average assets | 2.4949% | 3,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0708% | 310 |
| Return on assets (ROA) | 2.0708% | 307 |
| Pretax return on assets | 2.0990% | 441 |
| Return on Equity (ROE) | 19.7131% | 266 |
| Retained earnings to average equity (ytd only) | -5.8529% | 5,262 |
| Net charge-offs to loans | 0.0183% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 186.3750% | 477 |
| Efficiency ratio | 54.3094% | 4,583 |
| Assets per employee ($millions) | 5.0251% | 2,468 |
| Cash dividends to net income (ytd only)* | 129.6907% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 2,288 |
| Loan loss allowance to noncurrent loans | 1,962.1622% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,093 |
| Noncurrent loans to loans | 0.0638% | 4,465 |
| Net loans and leases to total assets | 63.2928% | 3,429 |
| Net loans and leases to deposits | 72.6965% | 3,610 |
| Net loans and leases to core deposits | 74.2462% | 3,832 |
| Total domestic deposits to total assets | 87.0645% | 1,760 |
| Equity capital to assets | 10.5899% | 3,092 |
| Core capital (leverage) ratio | 9.3090% | 4,350 |
| Tier 1 risk-based capital ratio | 15.4760% | 2,633 |
| Total risk-based capital ratio | 16.7275% | 2,556 |
| Memoranda: | ||
| Average total assets | $284,141,400 | 2,243 |
| Average earning assets | $266,573,600 | 2,217 |
| Average equity | $29,848,200 | 2,345 |
| Average total loans | $174,513,000 | 2,388 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8469% | 4,326 |
| Cost of funding earning assets | 0.0776% | 5,394 |
| Net interest margin | 3.7692% | 2,757 |
| Noninterest income to average assets | 0.9568% | 1,044 |
| Noninterest expense to average assets | 2.3739% | 3,917 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.0927% | 316 |
| Return on assets (ROA) | 2.0927% | 311 |
| Pretax return on assets | 2.1192% | 464 |
| Return on Equity (ROE) | 19.9599% | 277 |
| Retained earnings to average equity (ytd only) | 1.9916% | 4,583 |
| Net charge-offs to loans | 0.0191% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 182.6937% | 471 |
| Efficiency ratio | 52.8349% | 4,725 |
| Assets per employee ($millions) | 5.9096% | 1,563 |
| Cash dividends to net income (ytd only)* | 90.0223% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 2,298 |
| Loan loss allowance to noncurrent loans | 1,968.4685% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.4313% | 2,960 |
| Noncurrent loans to loans | 0.0641% | 4,597 |
| Net loans and leases to total assets | 54.5577% | 4,321 |
| Net loans and leases to deposits | 61.5942% | 4,465 |
| Net loans and leases to core deposits | 63.1736% | 4,564 |
| Total domestic deposits to total assets | 88.5760% | 1,010 |
| Equity capital to assets | 9.8596% | 3,771 |
| Core capital (leverage) ratio | 9.8690% | 3,773 |
| Tier 1 risk-based capital ratio | 16.9673% | 2,117 |
| Total risk-based capital ratio | 18.2186% | 2,066 |
| Memoranda: | ||
| Average total assets | $287,338,500 | 2,237 |
| Average earning assets | $269,581,500 | 2,214 |
| Average equity | $30,126,250 | 2,335 |
| Average total loans | $174,660,000 | 2,392 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8450% | 4,230 |
| Cost of funding earning assets | 0.0790% | 5,445 |
| Net interest margin | 3.7660% | 2,692 |
| Noninterest income to average assets | 0.9852% | 988 |
| Noninterest expense to average assets | 2.4477% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.0351% | 353 |
| Return on assets (ROA) | 2.0351% | 352 |
| Pretax return on assets | 2.0623% | 524 |
| Return on Equity (ROE) | 18.9860% | 333 |
| Retained earnings to average equity (ytd only) | -8.1942% | 5,386 |
| Net charge-offs to loans | 0.0434% | 1,998 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 75.6316% | 853 |
| Efficiency ratio | 54.2721% | 4,663 |
| Assets per employee ($millions) | 5.5890% | 1,808 |
| Cash dividends to net income (ytd only)* | 143.1594% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,374 |
| Loan loss allowance to noncurrent loans | 1,956.7568% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 2,905 |
| Noncurrent loans to loans | 0.0644% | 4,633 |
| Net loans and leases to total assets | 57.4312% | 4,043 |
| Net loans and leases to deposits | 64.5942% | 4,242 |
| Net loans and leases to core deposits | 66.3193% | 4,354 |
| Total domestic deposits to total assets | 88.9108% | 968 |
| Equity capital to assets | 9.8536% | 3,766 |
| Core capital (leverage) ratio | 9.5464% | 4,071 |
| Tier 1 risk-based capital ratio | 16.0473% | 2,420 |
| Total risk-based capital ratio | 17.2995% | 2,361 |
| Memoranda: | ||
| Average total assets | $278,715,330 | 2,298 |
| Average earning assets | $260,860,670 | 2,272 |
| Average equity | $29,874,670 | 2,358 |
| Average total loans | $175,192,000 | 2,397 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9253% | 3,859 |
| Cost of funding earning assets | 0.0842% | 5,493 |
| Net interest margin | 3.8411% | 2,253 |
| Noninterest income to average assets | 1.0268% | 863 |
| Noninterest expense to average assets | 2.5426% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.0388% | 338 |
| Return on assets (ROA) | 2.0388% | 340 |
| Pretax return on assets | 2.0669% | 509 |
| Return on Equity (ROE) | 18.2143% | 389 |
| Retained earnings to average equity (ytd only) | -4.9110% | 5,199 |
| Net charge-offs to loans | 0.0091% | 2,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 348.7500% | 195 |
| Efficiency ratio | 55.1591% | 4,678 |
| Assets per employee ($millions) | 4.9185% | 2,583 |
| Cash dividends to net income (ytd only)* | 126.9622% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,410 |
| Loan loss allowance to noncurrent loans | 1,779.0323% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,775 |
| Noncurrent loans to loans | 0.0713% | 4,661 |
| Net loans and leases to total assets | 64.6667% | 3,219 |
| Net loans and leases to deposits | 73.6228% | 3,451 |
| Net loans and leases to core deposits | 76.4391% | 3,629 |
| Total domestic deposits to total assets | 87.8350% | 1,708 |
| Equity capital to assets | 11.3016% | 2,297 |
| Core capital (leverage) ratio | 10.0912% | 3,434 |
| Tier 1 risk-based capital ratio | 16.3316% | 2,345 |
| Total risk-based capital ratio | 17.5828% | 2,293 |
| Memoranda: | ||
| Average total assets | $269,964,500 | 2,369 |
| Average earning assets | $251,804,000 | 2,360 |
| Average equity | $30,218,000 | 2,354 |
| Average total loans | $176,641,500 | 2,398 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6193% | 4,534 |
| Cost of funding earning assets | 0.0868% | 5,537 |
| Net interest margin | 3.5325% | 3,413 |
| Noninterest income to average assets | 1.0461% | 925 |
| Noninterest expense to average assets | 2.3496% | 4,209 |
| Loan and lease loss provision to assets | 0.0227% | 3,844 |
| Net operating income to assets | 1.9688% | 299 |
| Return on assets (ROA) | 1.9688% | 305 |
| Pretax return on assets | 1.9891% | 506 |
| Return on Equity (ROE) | 18.8589% | 250 |
| Retained earnings to average equity (ytd only) | 0.0469% | 4,991 |
| Net charge-offs to loans | 0.0190% | 3,467 |
| Credit loss provision to net charge-offs | 196.9697% | 1,387 |
| Earnings coverage of net charge-offs (x) | 174.3636% | 440 |
| Efficiency ratio | 53.8721% | 4,959 |
| Assets per employee ($millions) | 5.1760% | 2,280 |
| Cash dividends to net income (ytd only)* | 99.7514% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 2,588 |
| Loan loss allowance to noncurrent loans | 55,250.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 2,968 |
| Noncurrent loans to loans | 0.0022% | 5,062 |
| Net loans and leases to total assets | 64.5620% | 3,287 |
| Net loans and leases to deposits | 73.2911% | 3,569 |
| Net loans and leases to core deposits | 75.9900% | 3,747 |
| Total domestic deposits to total assets | 88.0899% | 1,451 |
| Equity capital to assets | 11.0885% | 2,550 |
| Core capital (leverage) ratio | 10.1724% | 3,223 |
| Tier 1 risk-based capital ratio | 16.1616% | 2,377 |
| Total risk-based capital ratio | 17.4129% | 2,314 |
| Memoranda: | ||
| Average total assets | $286,008,600 | 2,253 |
| Average earning assets | $268,419,000 | 2,220 |
| Average equity | $29,858,600 | 2,365 |
| Average total loans | $173,335,000 | 2,393 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 4,696 |
| Cost of funding earning assets | 0.0865% | 5,604 |
| Net interest margin | 3.4618% | 3,632 |
| Noninterest income to average assets | 1.0484% | 930 |
| Noninterest expense to average assets | 2.2746% | 4,364 |
| Loan and lease loss provision to assets | 0.0189% | 3,765 |
| Net operating income to assets | 1.9861% | 324 |
| Return on assets (ROA) | 1.9861% | 329 |
| Pretax return on assets | 2.0046% | 543 |
| Return on Equity (ROE) | 19.3096% | 257 |
| Retained earnings to average equity (ytd only) | -5.8907% | 5,564 |
| Net charge-offs to loans | 0.0256% | 2,932 |
| Credit loss provision to net charge-offs | 124.2424% | 1,953 |
| Earnings coverage of net charge-offs (x) | 132.8755% | 582 |
| Efficiency ratio | 52.9203% | 5,021 |
| Assets per employee ($millions) | 5.1182% | 2,309 |
| Cash dividends to net income (ytd only)* | 130.5066% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,589 |
| Loan loss allowance to noncurrent loans | 43,720.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 3,012 |
| Noncurrent loans to loans | 0.0029% | 5,145 |
| Net loans and leases to total assets | 62.0632% | 3,646 |
| Net loans and leases to deposits | 70.1160% | 3,952 |
| Net loans and leases to core deposits | 72.8961% | 4,076 |
| Total domestic deposits to total assets | 88.5151% | 1,113 |
| Equity capital to assets | 10.5496% | 3,315 |
| Core capital (leverage) ratio | 9.0957% | 4,637 |
| Tier 1 risk-based capital ratio | 15.7523% | 2,608 |
| Total risk-based capital ratio | 17.0034% | 2,545 |
| Memoranda: | ||
| Average total assets | $288,928,250 | 2,240 |
| Average earning assets | $271,222,750 | 2,220 |
| Average equity | $29,718,500 | 2,389 |
| Average total loans | $171,838,000 | 2,419 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4155% | 4,949 |
| Cost of funding earning assets | 0.0850% | 5,643 |
| Net interest margin | 3.3305% | 4,015 |
| Noninterest income to average assets | 1.0508% | 922 |
| Noninterest expense to average assets | 2.2149% | 4,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9467% | 340 |
| Return on assets (ROA) | 1.9467% | 347 |
| Pretax return on assets | 1.9638% | 569 |
| Return on Equity (ROE) | 19.0800% | 261 |
| Retained earnings to average equity (ytd only) | -7.8045% | 5,606 |
| Net charge-offs to loans | 0.0105% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 319.7778% | 264 |
| Efficiency ratio | 53.0046% | 5,095 |
| Assets per employee ($millions) | 6.4784% | 1,170 |
| Cash dividends to net income (ytd only)* | 140.9043% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,511 |
| Loan loss allowance to noncurrent loans | 43,380.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 3,413 |
| Noncurrent loans to loans | 0.0030% | 5,191 |
| Net loans and leases to total assets | 48.7232% | 4,783 |
| Net loans and leases to deposits | 53.7021% | 4,975 |
| Net loans and leases to core deposits | 55.1205% | 5,042 |
| Total domestic deposits to total assets | 90.7286% | 289 |
| Equity capital to assets | 8.5279% | 5,283 |
| Core capital (leverage) ratio | 9.3040% | 4,364 |
| Tier 1 risk-based capital ratio | 16.2216% | 2,422 |
| Total risk-based capital ratio | 17.4735% | 2,360 |
| Memoranda: | ||
| Average total assets | $293,110,670 | 2,235 |
| Average earning assets | $275,271,330 | 2,198 |
| Average equity | $29,905,670 | 2,377 |
| Average total loans | $171,211,670 | 2,428 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6545% | 4,260 |
| Cost of funding earning assets | 0.0928% | 5,685 |
| Net interest margin | 3.5616% | 3,037 |
| Noninterest income to average assets | 1.0627% | 890 |
| Noninterest expense to average assets | 2.4419% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9419% | 337 |
| Return on assets (ROA) | 1.9419% | 350 |
| Pretax return on assets | 1.9419% | 568 |
| Return on Equity (ROE) | 17.2215% | 395 |
| Retained earnings to average equity (ytd only) | -5.7052% | 5,429 |
| Net charge-offs to loans | -0.0232% | 4,819 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7031% | 4,967 |
| Assets per employee ($millions) | 5.0232% | 2,415 |
| Cash dividends to net income (ytd only)* | 133.1284% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,604 |
| Loan loss allowance to noncurrent loans | 43,760.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 2,919 |
| Noncurrent loans to loans | 0.0029% | 5,265 |
| Net loans and leases to total assets | 63.0496% | 3,396 |
| Net loans and leases to deposits | 71.7295% | 3,634 |
| Net loans and leases to core deposits | 74.2711% | 3,810 |
| Total domestic deposits to total assets | 87.8990% | 1,771 |
| Equity capital to assets | 11.2750% | 2,367 |
| Core capital (leverage) ratio | 9.8904% | 3,635 |
| Tier 1 risk-based capital ratio | 16.7780% | 2,253 |
| Total risk-based capital ratio | 18.0301% | 2,224 |
| Memoranda: | ||
| Average total assets | $267,988,000 | 2,410 |
| Average earning assets | $249,886,500 | 2,396 |
| Average equity | $30,218,000 | 2,360 |
| Average total loans | $172,086,000 | 2,439 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4898% | 4,808 |
| Cost of funding earning assets | 0.1055% | 5,676 |
| Net interest margin | 3.3843% | 3,872 |
| Noninterest income to average assets | 1.1379% | 879 |
| Noninterest expense to average assets | 2.5246% | 3,940 |
| Loan and lease loss provision to assets | 0.0648% | 3,075 |
| Net operating income to assets | 1.6821% | 571 |
| Return on assets (ROA) | 1.6821% | 596 |
| Pretax return on assets | 1.7156% | 961 |
| Return on Equity (ROE) | 15.5109% | 561 |
| Retained earnings to average equity (ytd only) | 1.0681% | 4,884 |
| Net charge-offs to loans | 0.1270% | 1,975 |
| Credit loss provision to net charge-offs | 85.5769% | 2,881 |
| Earnings coverage of net charge-offs (x) | 23.5000% | 1,680 |
| Efficiency ratio | 58.6429% | 4,769 |
| Assets per employee ($millions) | 5.0896% | 2,298 |
| Cash dividends to net income (ytd only)* | 93.1139% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,814 |
| Loan loss allowance to noncurrent loans | 7,260.0000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 2,956 |
| Noncurrent loans to loans | 0.0172% | 5,211 |
| Net loans and leases to total assets | 63.7448% | 3,391 |
| Net loans and leases to deposits | 73.0314% | 3,613 |
| Net loans and leases to core deposits | 75.8008% | 3,761 |
| Total domestic deposits to total assets | 87.2841% | 1,985 |
| Equity capital to assets | 11.2768% | 2,347 |
| Core capital (leverage) ratio | 9.9093% | 3,610 |
| Tier 1 risk-based capital ratio | 16.5016% | 2,355 |
| Total risk-based capital ratio | 17.7528% | 2,289 |
| Memoranda: | ||
| Average total assets | $274,541,200 | 2,325 |
| Average earning assets | $256,922,200 | 2,302 |
| Average equity | $29,772,600 | 2,368 |
| Average total loans | $163,820,000 | 2,480 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,019 |
| Cost of funding earning assets | 0.1078% | 5,733 |
| Net interest margin | 3.2969% | 4,196 |
| Noninterest income to average assets | 1.1324% | 897 |
| Noninterest expense to average assets | 2.5502% | 3,828 |
| Loan and lease loss provision to assets | 0.0372% | 3,499 |
| Net operating income to assets | 1.6155% | 709 |
| Return on assets (ROA) | 1.6155% | 749 |
| Pretax return on assets | 1.6358% | 1,285 |
| Return on Equity (ROE) | 15.0436% | 660 |
| Retained earnings to average equity (ytd only) | -4.3136% | 5,709 |
| Net charge-offs to loans | 0.1315% | 1,653 |
| Credit loss provision to net charge-offs | 48.4277% | 3,053 |
| Earnings coverage of net charge-offs (x) | 21.7615% | 1,802 |
| Efficiency ratio | 60.3847% | 4,485 |
| Assets per employee ($millions) | 5.0808% | 2,277 |
| Cash dividends to net income (ytd only)* | 128.6740% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,859 |
| Loan loss allowance to noncurrent loans | 3,796.4286% | 186 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 3,295 |
| Noncurrent loans to loans | 0.0334% | 5,244 |
| Net loans and leases to total assets | 56.2173% | 4,289 |
| Net loans and leases to deposits | 63.3206% | 4,536 |
| Net loans and leases to core deposits | 65.8857% | 4,613 |
| Total domestic deposits to total assets | 88.7820% | 1,012 |
| Equity capital to assets | 9.9451% | 4,180 |
| Core capital (leverage) ratio | 9.2642% | 4,512 |
| Tier 1 risk-based capital ratio | 16.3071% | 2,496 |
| Total risk-based capital ratio | 17.5587% | 2,447 |
| Memoranda: | ||
| Average total assets | $275,739,250 | 2,321 |
| Average earning assets | $258,496,250 | 2,298 |
| Average equity | $29,611,000 | 2,393 |
| Average total loans | $161,242,750 | 2,512 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4102% | 5,058 |
| Cost of funding earning assets | 0.1135% | 5,788 |
| Net interest margin | 3.2967% | 4,249 |
| Noninterest income to average assets | 1.1283% | 880 |
| Noninterest expense to average assets | 2.6167% | 3,670 |
| Loan and lease loss provision to assets | 0.0275% | 3,575 |
| Net operating income to assets | 1.5433% | 821 |
| Return on assets (ROA) | 1.5433% | 866 |
| Pretax return on assets | 1.5671% | 1,470 |
| Return on Equity (ROE) | 13.9942% | 829 |
| Retained earnings to average equity (ytd only) | -6.7312% | 5,809 |
| Net charge-offs to loans | 0.0264% | 2,951 |
| Credit loss provision to net charge-offs | 176.1905% | 1,423 |
| Earnings coverage of net charge-offs (x) | 102.2857% | 566 |
| Efficiency ratio | 62.1364% | 4,333 |
| Assets per employee ($millions) | 4.6071% | 2,860 |
| Cash dividends to net income (ytd only)* | 148.1000% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,450 |
| Loan loss allowance to noncurrent loans | 190.7376% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.7713% | 2,673 |
| Noncurrent loans to loans | 0.7172% | 2,937 |
| Net loans and leases to total assets | 60.0098% | 3,886 |
| Net loans and leases to deposits | 68.5798% | 4,127 |
| Net loans and leases to core deposits | 72.9124% | 4,091 |
| Total domestic deposits to total assets | 87.5036% | 1,665 |
| Equity capital to assets | 10.9508% | 3,113 |
| Core capital (leverage) ratio | 9.7943% | 3,819 |
| Tier 1 risk-based capital ratio | 16.7567% | 2,329 |
| Total risk-based capital ratio | 18.0093% | 2,277 |
| Memoranda: | ||
| Average total assets | $269,423,330 | 2,389 |
| Average earning assets | $251,949,670 | 2,368 |
| Average equity | $29,712,330 | 2,391 |
| Average total loans | $159,060,000 | 2,544 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 5,240 |
| Cost of funding earning assets | 0.1140% | 5,848 |
| Net interest margin | 3.2275% | 4,480 |
| Noninterest income to average assets | 1.0291% | 1,017 |
| Noninterest expense to average assets | 2.5624% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4401% | 964 |
| Return on assets (ROA) | 1.4401% | 1,011 |
| Pretax return on assets | 1.4801% | 1,657 |
| Return on Equity (ROE) | 13.0138% | 1,036 |
| Retained earnings to average equity (ytd only) | -5.8923% | 5,652 |
| Net charge-offs to loans | 0.0432% | 2,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 58.8824% | 794 |
| Efficiency ratio | 63.3870% | 4,240 |
| Assets per employee ($millions) | 4.5426% | 2,995 |
| Cash dividends to net income (ytd only)* | 145.2772% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 2,415 |
| Loan loss allowance to noncurrent loans | 189.6970% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 2,788 |
| Noncurrent loans to loans | 0.7389% | 2,987 |
| Net loans and leases to total assets | 57.5092% | 4,095 |
| Net loans and leases to deposits | 65.9387% | 4,267 |
| Net loans and leases to core deposits | 70.8137% | 4,174 |
| Total domestic deposits to total assets | 87.2162% | 2,092 |
| Equity capital to assets | 11.1078% | 2,817 |
| Core capital (leverage) ratio | 9.8633% | 3,708 |
| Tier 1 risk-based capital ratio | 17.6438% | 2,089 |
| Total risk-based capital ratio | 18.8968% | 2,052 |
| Memoranda: | ||
| Average total assets | $270,528,500 | 2,380 |
| Average earning assets | $252,577,000 | 2,369 |
| Average equity | $29,937,500 | 2,372 |
| Average total loans | $157,301,000 | 2,559 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9653% | 5,756 |
| Cost of funding earning assets | 0.1288% | 5,823 |
| Net interest margin | 2.8365% | 5,449 |
| Noninterest income to average assets | 0.9948% | 1,188 |
| Noninterest expense to average assets | 2.2547% | 4,910 |
| Loan and lease loss provision to assets | 0.0243% | 3,900 |
| Net operating income to assets | 1.3649% | 1,113 |
| Return on assets (ROA) | 1.3649% | 1,160 |
| Pretax return on assets | 1.3740% | 2,003 |
| Return on Equity (ROE) | 13.3469% | 986 |
| Retained earnings to average equity (ytd only) | 2.9068% | 3,988 |
| Net charge-offs to loans | 0.0456% | 3,304 |
| Credit loss provision to net charge-offs | 102.9412% | 2,436 |
| Earnings coverage of net charge-offs (x) | 59.2794% | 876 |
| Efficiency ratio | 61.7225% | 4,652 |
| Assets per employee ($millions) | 4.7077% | 2,720 |
| Cash dividends to net income (ytd only)* | 78.2211% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,446 |
| Loan loss allowance to noncurrent loans | 156.1528% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 2,295 |
| Noncurrent loans to loans | 0.8934% | 2,559 |
| Net loans and leases to total assets | 57.1596% | 4,175 |
| Net loans and leases to deposits | 65.7691% | 4,333 |
| Net loans and leases to core deposits | 70.9725% | 4,215 |
| Total domestic deposits to total assets | 86.9095% | 2,189 |
| Equity capital to assets | 11.0256% | 2,791 |
| Core capital (leverage) ratio | 9.8771% | 3,676 |
| Tier 1 risk-based capital ratio | 17.7521% | 2,038 |
| Total risk-based capital ratio | 19.0051% | 1,986 |
| Memoranda: | ||
| Average total assets | $288,289,600 | 2,219 |
| Average earning assets | $270,155,000 | 2,199 |
| Average equity | $29,482,400 | 2,355 |
| Average total loans | $149,121,800 | 2,606 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8835% | 5,906 |
| Cost of funding earning assets | 0.1310% | 5,910 |
| Net interest margin | 2.7525% | 5,660 |
| Noninterest income to average assets | 0.9750% | 1,242 |
| Noninterest expense to average assets | 2.1891% | 5,077 |
| Loan and lease loss provision to assets | 0.0320% | 3,599 |
| Net operating income to assets | 1.3283% | 1,266 |
| Return on assets (ROA) | 1.3283% | 1,324 |
| Pretax return on assets | 1.3328% | 2,273 |
| Return on Equity (ROE) | 13.2299% | 1,073 |
| Retained earnings to average equity (ytd only) | -0.7592% | 5,731 |
| Net charge-offs to loans | -0.0463% | 5,518 |
| Credit loss provision to net charge-offs | -137.2549% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5977% | 4,628 |
| Assets per employee ($millions) | 5.5673% | 1,717 |
| Cash dividends to net income (ytd only)* | 105.7388% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 2,099 |
| Loan loss allowance to noncurrent loans | 182.0814% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.7881% | 2,917 |
| Noncurrent loans to loans | 0.8314% | 2,888 |
| Net loans and leases to total assets | 48.5563% | 5,043 |
| Net loans and leases to deposits | 54.8205% | 5,200 |
| Net loans and leases to core deposits | 58.9495% | 5,134 |
| Total domestic deposits to total assets | 88.5733% | 1,257 |
| Equity capital to assets | 9.3547% | 4,933 |
| Core capital (leverage) ratio | 9.3697% | 4,482 |
| Tier 1 risk-based capital ratio | 17.5650% | 2,169 |
| Total risk-based capital ratio | 18.8197% | 2,125 |
| Memoranda: | ||
| Average total assets | $292,100,500 | 2,209 |
| Average earning assets | $273,684,250 | 2,197 |
| Average equity | $29,326,750 | 2,378 |
| Average total loans | $146,832,250 | 2,648 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8929% | 5,950 |
| Cost of funding earning assets | 0.1392% | 5,925 |
| Net interest margin | 2.7537% | 5,702 |
| Noninterest income to average assets | 0.9925% | 1,196 |
| Noninterest expense to average assets | 2.2553% | 4,962 |
| Loan and lease loss provision to assets | 0.0490% | 3,139 |
| Net operating income to assets | 1.2615% | 1,419 |
| Return on assets (ROA) | 1.2615% | 1,474 |
| Pretax return on assets | 1.2650% | 2,491 |
| Return on Equity (ROE) | 12.2598% | 1,296 |
| Retained earnings to average equity (ytd only) | -0.8305% | 5,667 |
| Net charge-offs to loans | -0.0470% | 5,524 |
| Credit loss provision to net charge-offs | -205.8824% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1868% | 4,486 |
| Assets per employee ($millions) | 5.8198% | 1,481 |
| Cash dividends to net income (ytd only)* | 106.7740% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5664% | 2,031 |
| Loan loss allowance to noncurrent loans | 146.6667% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.8619% | 2,828 |
| Noncurrent loans to loans | 1.0680% | 2,510 |
| Net loans and leases to total assets | 44.5417% | 5,351 |
| Net loans and leases to deposits | 49.7573% | 5,516 |
| Net loans and leases to core deposits | 53.4351% | 5,457 |
| Total domestic deposits to total assets | 89.5180% | 891 |
| Equity capital to assets | 8.9755% | 5,256 |
| Core capital (leverage) ratio | 9.6569% | 4,063 |
| Tier 1 risk-based capital ratio | 18.2286% | 1,999 |
| Total risk-based capital ratio | 19.4837% | 1,963 |
| Memoranda: | ||
| Average total assets | $285,544,000 | 2,264 |
| Average earning assets | $267,202,330 | 2,256 |
| Average equity | $29,380,670 | 2,386 |
| Average total loans | $144,539,330 | 2,690 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1429% | 5,731 |
| Cost of funding earning assets | 0.1561% | 5,879 |
| Net interest margin | 2.9868% | 5,254 |
| Noninterest income to average assets | 0.9436% | 1,254 |
| Noninterest expense to average assets | 2.4404% | 4,472 |
| Loan and lease loss provision to assets | 0.1055% | 1,944 |
| Net operating income to assets | 1.1592% | 1,670 |
| Return on assets (ROA) | 1.1592% | 1,777 |
| Pretax return on assets | 1.1667% | 2,804 |
| Return on Equity (ROE) | 10.4466% | 1,811 |
| Retained earnings to average equity (ytd only) | 2.8664% | 4,249 |
| Net charge-offs to loans | -0.0839% | 5,775 |
| Credit loss provision to net charge-offs | -233.3333% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7328% | 4,203 |
| Assets per employee ($millions) | 4.7358% | 2,711 |
| Cash dividends to net income (ytd only)* | 72.5618% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 1,977 |
| Loan loss allowance to noncurrent loans | 133.7587% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 2,146 |
| Noncurrent loans to loans | 1.2098% | 2,351 |
| Net loans and leases to total assets | 52.8639% | 4,566 |
| Net loans and leases to deposits | 60.8218% | 4,680 |
| Net loans and leases to core deposits | 68.1052% | 4,313 |
| Total domestic deposits to total assets | 86.9160% | 2,417 |
| Equity capital to assets | 11.1462% | 2,813 |
| Core capital (leverage) ratio | 9.7724% | 3,928 |
| Tier 1 risk-based capital ratio | 18.9378% | 1,888 |
| Total risk-based capital ratio | 20.1932% | 1,851 |
| Memoranda: | ||
| Average total assets | $265,361,000 | 2,426 |
| Average earning assets | $246,017,000 | 2,415 |
| Average equity | $29,445,000 | 2,393 |
| Average total loans | $143,071,000 | 2,716 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9257% | 6,113 |
| Cost of funding earning assets | 0.1718% | 5,971 |
| Net interest margin | 2.7539% | 5,871 |
| Noninterest income to average assets | 1.0438% | 1,126 |
| Noninterest expense to average assets | 2.3026% | 5,108 |
| Loan and lease loss provision to assets | 0.0880% | 2,710 |
| Net operating income to assets | 1.2283% | 1,503 |
| Return on assets (ROA) | 1.2283% | 1,554 |
| Pretax return on assets | 1.2319% | 2,519 |
| Return on Equity (ROE) | 12.0332% | 1,396 |
| Retained earnings to average equity (ytd only) | 4.6501% | 2,858 |
| Net charge-offs to loans | 0.5566% | 729 |
| Credit loss provision to net charge-offs | 31.5315% | 3,814 |
| Earnings coverage of net charge-offs (x) | 4.7310% | 3,578 |
| Efficiency ratio | 63.5643% | 4,655 |
| Assets per employee ($millions) | 4.7414% | 2,666 |
| Cash dividends to net income (ytd only)* | 61.3563% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 2,319 |
| Loan loss allowance to noncurrent loans | 90.6327% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3939% | 1,998 |
| Noncurrent loans to loans | 1.6945% | 1,727 |
| Net loans and leases to total assets | 53.2668% | 4,662 |
| Net loans and leases to deposits | 62.2323% | 4,705 |
| Net loans and leases to core deposits | 71.3107% | 4,185 |
| Total domestic deposits to total assets | 85.5936% | 3,032 |
| Equity capital to assets | 11.0462% | 2,852 |
| Core capital (leverage) ratio | 9.5447% | 4,179 |
| Tier 1 risk-based capital ratio | 18.4585% | 2,001 |
| Total risk-based capital ratio | 19.7127% | 1,972 |
| Memoranda: | ||
| Average total assets | $278,505,800 | 2,291 |
| Average earning assets | $260,791,200 | 2,266 |
| Average equity | $28,429,600 | 2,379 |
| Average total loans | $139,590,000 | 2,717 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8571% | 6,243 |
| Cost of funding earning assets | 0.1716% | 6,053 |
| Net interest margin | 2.6854% | 6,022 |
| Noninterest income to average assets | 1.0345% | 1,145 |
| Noninterest expense to average assets | 2.2800% | 5,153 |
| Loan and lease loss provision to assets | 0.0757% | 2,827 |
| Net operating income to assets | 1.2039% | 1,668 |
| Return on assets (ROA) | 1.2039% | 1,734 |
| Pretax return on assets | 1.2039% | 2,765 |
| Return on Equity (ROE) | 12.0262% | 1,470 |
| Retained earnings to average equity (ytd only) | 2.8316% | 4,588 |
| Net charge-offs to loans | 0.5186% | 743 |
| Credit loss provision to net charge-offs | 29.6846% | 3,454 |
| Earnings coverage of net charge-offs (x) | 5.0167% | 3,336 |
| Efficiency ratio | 64.0521% | 4,530 |
| Assets per employee ($millions) | 4.9970% | 2,243 |
| Cash dividends to net income (ytd only)* | 76.4543% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 1,970 |
| Loan loss allowance to noncurrent loans | 67.6125% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.0038% | 1,431 |
| Noncurrent loans to loans | 2.5150% | 1,163 |
| Net loans and leases to total assets | 50.5362% | 4,944 |
| Net loans and leases to deposits | 58.6840% | 5,052 |
| Net loans and leases to core deposits | 66.3696% | 4,669 |
| Total domestic deposits to total assets | 86.1158% | 2,795 |
| Equity capital to assets | 10.6115% | 3,420 |
| Core capital (leverage) ratio | 8.8214% | 5,307 |
| Tier 1 risk-based capital ratio | 18.4946% | 2,053 |
| Total risk-based capital ratio | 19.7506% | 2,015 |
| Memoranda: | ||
| Average total assets | $281,752,250 | 2,277 |
| Average earning assets | $264,928,000 | 2,251 |
| Average equity | $28,204,500 | 2,408 |
| Average total loans | $138,577,500 | 2,752 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7753% | 6,353 |
| Cost of funding earning assets | 0.1702% | 6,137 |
| Net interest margin | 2.6050% | 6,165 |
| Noninterest income to average assets | 1.0920% | 997 |
| Noninterest expense to average assets | 2.2896% | 5,175 |
| Loan and lease loss provision to assets | 0.1120% | 2,159 |
| Net operating income to assets | 1.1431% | 1,779 |
| Return on assets (ROA) | 1.1431% | 1,866 |
| Pretax return on assets | 1.1431% | 2,917 |
| Return on Equity (ROE) | 11.6388% | 1,537 |
| Retained earnings to average equity (ytd only) | 0.2352% | 5,621 |
| Net charge-offs to loans | 0.4057% | 1,003 |
| Credit loss provision to net charge-offs | 56.9395% | 2,685 |
| Earnings coverage of net charge-offs (x) | 6.3808% | 2,778 |
| Efficiency ratio | 64.5932% | 4,599 |
| Assets per employee ($millions) | 5.7450% | 1,483 |
| Cash dividends to net income (ytd only)* | 97.9792% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8855% | 1,617 |
| Loan loss allowance to noncurrent loans | 95.3023% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3026% | 2,505 |
| Noncurrent loans to loans | 1.9785% | 1,708 |
| Net loans and leases to total assets | 43.0977% | 5,596 |
| Net loans and leases to deposits | 48.4157% | 5,752 |
| Net loans and leases to core deposits | 53.5586% | 5,580 |
| Total domestic deposits to total assets | 89.0159% | 1,338 |
| Equity capital to assets | 8.8814% | 5,429 |
| Core capital (leverage) ratio | 9.0532% | 4,939 |
| Tier 1 risk-based capital ratio | 18.2609% | 2,141 |
| Total risk-based capital ratio | 19.5202% | 2,107 |
| Memoranda: | ||
| Average total assets | $285,723,000 | 2,249 |
| Average earning assets | $269,018,330 | 2,217 |
| Average equity | $28,061,330 | 2,406 |
| Average total loans | $138,528,000 | 2,755 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 6,318 |
| Cost of funding earning assets | 0.1841% | 6,125 |
| Net interest margin | 2.7305% | 6,063 |
| Noninterest income to average assets | 1.2905% | 673 |
| Noninterest expense to average assets | 2.4671% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3880% | 1,009 |
| Return on assets (ROA) | 1.3880% | 1,052 |
| Pretax return on assets | 1.3880% | 1,794 |
| Return on Equity (ROE) | 13.3854% | 1,062 |
| Retained earnings to average equity (ytd only) | 0.1283% | 5,509 |
| Net charge-offs to loans | 0.5983% | 619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 4.5362% | 2,512 |
| Efficiency ratio | 63.9954% | 4,857 |
| Assets per employee ($millions) | 4.6193% | 2,778 |
| Cash dividends to net income (ytd only)* | 99.0415% | 696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 1,816 |
| Loan loss allowance to noncurrent loans | 109.6620% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 2,379 |
| Noncurrent loans to loans | 1.7125% | 2,266 |
| Net loans and leases to total assets | 49.3576% | 4,964 |
| Net loans and leases to deposits | 56.7603% | 5,052 |
| Net loans and leases to core deposits | 64.6962% | 4,625 |
| Total domestic deposits to total assets | 86.9580% | 2,833 |
| Equity capital to assets | 10.4729% | 3,270 |
| Core capital (leverage) ratio | 9.0526% | 4,931 |
| Tier 1 risk-based capital ratio | 18.5695% | 2,101 |
| Total risk-based capital ratio | 19.8284% | 2,066 |
| Memoranda: | ||
| Average total assets | $270,597,000 | 2,373 |
| Average earning assets | $254,164,000 | 2,327 |
| Average equity | $28,060,500 | 2,403 |
| Average total loans | $138,394,500 | 2,759 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0231% | 6,321 |
| Cost of funding earning assets | 0.2100% | 6,231 |
| Net interest margin | 2.8131% | 5,953 |
| Noninterest income to average assets | 1.0555% | 1,264 |
| Noninterest expense to average assets | 2.2688% | 5,464 |
| Loan and lease loss provision to assets | 0.1250% | 2,752 |
| Net operating income to assets | 1.2916% | 1,270 |
| Return on assets (ROA) | 1.2916% | 1,324 |
| Pretax return on assets | 1.3056% | 2,125 |
| Return on Equity (ROE) | 13.6654% | 1,028 |
| Retained earnings to average equity (ytd only) | 8.5776% | 882 |
| Net charge-offs to loans | 0.2369% | 2,556 |
| Credit loss provision to net charge-offs | 106.5868% | 2,261 |
| Earnings coverage of net charge-offs (x) | 12.1946% | 2,156 |
| Efficiency ratio | 61.3274% | 5,312 |
| Assets per employee ($millions) | 4.6318% | 2,681 |
| Cash dividends to net income (ytd only)* | 37.2314% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9279% | 1,717 |
| Loan loss allowance to noncurrent loans | 139.1260% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 2,536 |
| Noncurrent loans to loans | 1.3857% | 2,820 |
| Net loans and leases to total assets | 50.9675% | 4,972 |
| Net loans and leases to deposits | 59.7819% | 4,954 |
| Net loans and leases to core deposits | 68.0532% | 4,506 |
| Total domestic deposits to total assets | 85.2558% | 3,618 |
| Equity capital to assets | 10.2688% | 3,424 |
| Core capital (leverage) ratio | 8.8415% | 5,228 |
| Tier 1 risk-based capital ratio | 17.4866% | 2,422 |
| Total risk-based capital ratio | 18.7458% | 2,396 |
| Memoranda: | ||
| Average total assets | $284,688,600 | 2,235 |
| Average earning assets | $267,571,800 | 2,204 |
| Average equity | $26,907,400 | 2,463 |
| Average total loans | $140,985,400 | 2,678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9946% | 6,428 |
| Cost of funding earning assets | 0.2146% | 6,322 |
| Net interest margin | 2.7800% | 6,049 |
| Noninterest income to average assets | 1.1138% | 1,179 |
| Noninterest expense to average assets | 2.2990% | 5,347 |
| Loan and lease loss provision to assets | 0.1071% | 2,975 |
| Net operating income to assets | 1.3136% | 1,313 |
| Return on assets (ROA) | 1.3136% | 1,371 |
| Pretax return on assets | 1.3206% | 2,258 |
| Return on Equity (ROE) | 14.1901% | 950 |
| Retained earnings to average equity (ytd only) | 7.3330% | 1,715 |
| Net charge-offs to loans | 0.2795% | 2,152 |
| Credit loss provision to net charge-offs | 78.3051% | 2,886 |
| Earnings coverage of net charge-offs (x) | 10.4374% | 2,358 |
| Efficiency ratio | 61.6897% | 5,181 |
| Assets per employee ($millions) | 4.4177% | 3,023 |
| Cash dividends to net income (ytd only)* | 48.3234% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8789% | 2,065 |
| Loan loss allowance to noncurrent loans | 107.6299% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6761% | 2,455 |
| Noncurrent loans to loans | 1.7457% | 2,577 |
| Net loans and leases to total assets | 49.7621% | 5,169 |
| Net loans and leases to deposits | 57.2870% | 5,252 |
| Net loans and leases to core deposits | 64.3146% | 4,870 |
| Total domestic deposits to total assets | 86.8647% | 2,759 |
| Equity capital to assets | 9.7888% | 4,200 |
| Core capital (leverage) ratio | 8.3721% | 5,888 |
| Tier 1 risk-based capital ratio | 16.6773% | 2,867 |
| Total risk-based capital ratio | 17.9354% | 2,822 |
| Memoranda: | ||
| Average total assets | $287,542,250 | 2,232 |
| Average earning assets | $270,259,750 | 2,186 |
| Average equity | $26,618,750 | 2,515 |
| Average total loans | $140,727,000 | 2,697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9618% | 6,483 |
| Cost of funding earning assets | 0.2232% | 6,351 |
| Net interest margin | 2.7385% | 6,118 |
| Noninterest income to average assets | 1.1286% | 1,191 |
| Noninterest expense to average assets | 2.1946% | 5,643 |
| Loan and lease loss provision to assets | 0.1590% | 2,332 |
| Net operating income to assets | 1.3468% | 1,207 |
| Return on assets (ROA) | 1.3468% | 1,297 |
| Pretax return on assets | 1.3502% | 2,121 |
| Return on Equity (ROE) | 14.8200% | 840 |
| Retained earnings to average equity (ytd only) | 7.3456% | 1,731 |
| Net charge-offs to loans | 0.0071% | 4,746 |
| Credit loss provision to net charge-offs | 4,620.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 438.6000% | 109 |
| Efficiency ratio | 59.2531% | 5,574 |
| Assets per employee ($millions) | 5.5021% | 1,591 |
| Cash dividends to net income (ytd only)* | 50.4343% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1103% | 1,612 |
| Loan loss allowance to noncurrent loans | 90.0520% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5037% | 2,845 |
| Noncurrent loans to loans | 2.3434% | 2,010 |
| Net loans and leases to total assets | 40.6617% | 5,999 |
| Net loans and leases to deposits | 45.0535% | 6,164 |
| Net loans and leases to core deposits | 49.5165% | 6,048 |
| Total domestic deposits to total assets | 90.2520% | 887 |
| Equity capital to assets | 7.9806% | 6,211 |
| Core capital (leverage) ratio | 8.3333% | 5,845 |
| Tier 1 risk-based capital ratio | 16.3953% | 2,987 |
| Total risk-based capital ratio | 17.6560% | 2,940 |
| Memoranda: | ||
| Average total assets | $290,617,000 | 2,219 |
| Average earning assets | $273,284,000 | 2,171 |
| Average equity | $26,410,330 | 2,544 |
| Average total loans | $140,586,330 | 2,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 6,271 |
| Cost of funding earning assets | 0.2506% | 6,288 |
| Net interest margin | 2.9740% | 5,637 |
| Noninterest income to average assets | 1.2428% | 989 |
| Noninterest expense to average assets | 2.3736% | 5,191 |
| Loan and lease loss provision to assets | 0.1208% | 2,709 |
| Net operating income to assets | 1.5277% | 807 |
| Return on assets (ROA) | 1.5277% | 881 |
| Pretax return on assets | 1.5277% | 1,496 |
| Return on Equity (ROE) | 15.6199% | 660 |
| Retained earnings to average equity (ytd only) | 12.4471% | 640 |
| Net charge-offs to loans | 0.2068% | 2,181 |
| Credit loss provision to net charge-offs | 110.9589% | 1,684 |
| Earnings coverage of net charge-offs (x) | 15.1370% | 1,414 |
| Efficiency ratio | 59.0134% | 5,717 |
| Assets per employee ($millions) | 4.4411% | 3,074 |
| Cash dividends to net income (ytd only)* | 20.3125% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9995% | 2,046 |
| Loan loss allowance to noncurrent loans | 57.7976% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4219% | 1,916 |
| Noncurrent loans to loans | 3.4595% | 1,392 |
| Net loans and leases to total assets | 49.2817% | 5,080 |
| Net loans and leases to deposits | 56.2463% | 5,219 |
| Net loans and leases to core deposits | 63.7757% | 4,766 |
| Total domestic deposits to total assets | 87.6176% | 2,557 |
| Equity capital to assets | 9.8270% | 4,390 |
| Core capital (leverage) ratio | 8.5574% | 5,501 |
| Tier 1 risk-based capital ratio | 16.4837% | 3,010 |
| Total risk-based capital ratio | 17.7373% | 2,966 |
| Memoranda: | ||
| Average total assets | $268,111,500 | 2,413 |
| Average earning assets | $250,572,000 | 2,371 |
| Average equity | $26,223,000 | 2,594 |
| Average total loans | $141,172,500 | 2,707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3763% | 6,508 |
| Cost of funding earning assets | 0.2724% | 6,580 |
| Net interest margin | 3.1039% | 5,803 |
| Noninterest income to average assets | 1.2229% | 1,044 |
| Noninterest expense to average assets | 2.4157% | 5,362 |
| Loan and lease loss provision to assets | 0.4715% | 1,315 |
| Net operating income to assets | 1.2143% | 1,556 |
| Return on assets (ROA) | 1.2143% | 1,719 |
| Pretax return on assets | 1.2258% | 2,700 |
| Return on Equity (ROE) | 13.2344% | 1,173 |
| Retained earnings to average equity (ytd only) | 7.7133% | 1,229 |
| Net charge-offs to loans | 1.3310% | 720 |
| Credit loss provision to net charge-offs | 66.5102% | 4,272 |
| Earnings coverage of net charge-offs (x) | 2.3944% | 4,212 |
| Efficiency ratio | 58.7342% | 5,734 |
| Assets per employee ($millions) | 4.3494% | 3,257 |
| Cash dividends to net income (ytd only)* | 41.7174% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8588% | 2,419 |
| Loan loss allowance to noncurrent loans | 52.9332% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.6983% | 1,786 |
| Noncurrent loans to loans | 3.5117% | 1,416 |
| Net loans and leases to total assets | 54.0478% | 4,612 |
| Net loans and leases to deposits | 62.2283% | 4,761 |
| Net loans and leases to core deposits | 72.0128% | 4,045 |
| Total domestic deposits to total assets | 86.8541% | 2,908 |
| Equity capital to assets | 9.7333% | 4,553 |
| Core capital (leverage) ratio | 8.3553% | 5,821 |
| Tier 1 risk-based capital ratio | 14.6479% | 3,934 |
| Total risk-based capital ratio | 15.9051% | 3,892 |
| Memoranda: | ||
| Average total assets | $270,433,800 | 2,340 |
| Average earning assets | $251,814,000 | 2,302 |
| Average equity | $24,814,200 | 2,673 |
| Average total loans | $144,023,600 | 2,666 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 6,678 |
| Cost of funding earning assets | 0.2797% | 6,697 |
| Net interest margin | 3.0721% | 6,002 |
| Noninterest income to average assets | 1.1821% | 1,085 |
| Noninterest expense to average assets | 2.3912% | 5,427 |
| Loan and lease loss provision to assets | 0.2846% | 2,289 |
| Net operating income to assets | 1.3529% | 1,325 |
| Return on assets (ROA) | 1.3529% | 1,466 |
| Pretax return on assets | 1.3632% | 2,363 |
| Return on Equity (ROE) | 14.9660% | 910 |
| Retained earnings to average equity (ytd only) | 7.5291% | 1,842 |
| Net charge-offs to loans | 0.9765% | 1,090 |
| Credit loss provision to net charge-offs | 55.1855% | 4,271 |
| Earnings coverage of net charge-offs (x) | 3.1950% | 3,752 |
| Efficiency ratio | 59.2030% | 5,627 |
| Assets per employee ($millions) | 4.3578% | 3,154 |
| Cash dividends to net income (ytd only)* | 49.6916% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0612% | 2,006 |
| Loan loss allowance to noncurrent loans | 46.6247% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2544% | 1,571 |
| Noncurrent loans to loans | 4.4208% | 1,077 |
| Net loans and leases to total assets | 51.6046% | 5,101 |
| Net loans and leases to deposits | 59.2757% | 5,289 |
| Net loans and leases to core deposits | 68.1330% | 4,713 |
| Total domestic deposits to total assets | 87.0587% | 2,627 |
| Equity capital to assets | 9.5165% | 5,183 |
| Core capital (leverage) ratio | 7.9970% | 6,332 |
| Tier 1 risk-based capital ratio | 14.6111% | 4,111 |
| Total risk-based capital ratio | 15.8701% | 4,073 |
| Memoranda: | ||
| Average total assets | $271,713,500 | 2,349 |
| Average earning assets | $252,679,000 | 2,323 |
| Average equity | $24,561,750 | 2,729 |
| Average total loans | $143,501,250 | 2,704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 6,845 |
| Cost of funding earning assets | 0.2799% | 6,799 |
| Net interest margin | 2.9769% | 6,282 |
| Noninterest income to average assets | 1.0428% | 1,339 |
| Noninterest expense to average assets | 2.2654% | 5,831 |
| Loan and lease loss provision to assets | 0.1681% | 3,425 |
| Net operating income to assets | 1.3768% | 1,240 |
| Return on assets (ROA) | 1.3768% | 1,397 |
| Pretax return on assets | 1.3841% | 2,261 |
| Return on Equity (ROE) | 15.4955% | 853 |
| Retained earnings to average equity (ytd only) | 4.7128% | 3,472 |
| Net charge-offs to loans | 1.1545% | 936 |
| Credit loss provision to net charge-offs | 27.5449% | 4,474 |
| Earnings coverage of net charge-offs (x) | 2.5437% | 3,740 |
| Efficiency ratio | 59.3415% | 5,689 |
| Assets per employee ($millions) | 5.4224% | 1,685 |
| Cash dividends to net income (ytd only)* | 69.5860% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9439% | 2,394 |
| Loan loss allowance to noncurrent loans | 35.1462% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.5415% | 2,199 |
| Noncurrent loans to loans | 5.5310% | 839 |
| Net loans and leases to total assets | 43.4061% | 6,076 |
| Net loans and leases to deposits | 47.9614% | 6,312 |
| Net loans and leases to core deposits | 51.9667% | 6,240 |
| Total domestic deposits to total assets | 90.5021% | 659 |
| Equity capital to assets | 7.6497% | 6,734 |
| Core capital (leverage) ratio | 8.0898% | 6,175 |
| Tier 1 risk-based capital ratio | 13.9793% | 4,463 |
| Total risk-based capital ratio | 15.2372% | 4,428 |
| Memoranda: | ||
| Average total assets | $273,677,000 | 2,342 |
| Average earning assets | $255,098,000 | 2,307 |
| Average equity | $24,316,670 | 2,736 |
| Average total loans | $144,647,000 | 2,695 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6013% | 6,573 |
| Cost of funding earning assets | 0.3177% | 6,785 |
| Net interest margin | 3.2836% | 5,519 |
| Noninterest income to average assets | 1.0968% | 1,185 |
| Noninterest expense to average assets | 2.4330% | 5,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6922% | 732 |
| Return on assets (ROA) | 1.6922% | 813 |
| Pretax return on assets | 1.7002% | 1,301 |
| Return on Equity (ROE) | 17.4928% | 606 |
| Retained earnings to average equity (ytd only) | 11.0733% | 1,009 |
| Net charge-offs to loans | 0.1834% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 15.8955% | 1,396 |
| Efficiency ratio | 58.8644% | 5,791 |
| Assets per employee ($millions) | 4.1334% | 3,720 |
| Cash dividends to net income (ytd only)* | 36.6981% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3152% | 1,649 |
| Loan loss allowance to noncurrent loans | 39.8089% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 3.4524% | 1,666 |
| Noncurrent loans to loans | 5.8158% | 885 |
| Net loans and leases to total assets | 55.9894% | 4,390 |
| Net loans and leases to deposits | 63.6085% | 4,689 |
| Net loans and leases to core deposits | 72.5957% | 4,070 |
| Total domestic deposits to total assets | 88.0220% | 2,306 |
| Equity capital to assets | 9.9051% | 4,250 |
| Core capital (leverage) ratio | 8.3714% | 5,773 |
| Tier 1 risk-based capital ratio | 14.1774% | 4,335 |
| Total risk-based capital ratio | 15.4402% | 4,300 |
| Memoranda: | ||
| Average total assets | $250,554,000 | 2,558 |
| Average earning assets | $231,696,000 | 2,523 |
| Average equity | $24,238,500 | 2,745 |
| Average total loans | $146,161,000 | 2,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 6,508 |
| Cost of funding earning assets | 0.4961% | 6,553 |
| Net interest margin | 3.4754% | 5,239 |
| Noninterest income to average assets | 1.1620% | 973 |
| Noninterest expense to average assets | 2.5742% | 5,187 |
| Loan and lease loss provision to assets | 1.0418% | 901 |
| Net operating income to assets | 0.7251% | 3,361 |
| Return on assets (ROA) | 0.7251% | 3,540 |
| Pretax return on assets | 0.7204% | 4,254 |
| Return on Equity (ROE) | 7.9275% | 2,949 |
| Retained earnings to average equity (ytd only) | 4.4651% | 2,992 |
| Net charge-offs to loans | 1.4276% | 1,141 |
| Credit loss provision to net charge-offs | 121.5406% | 2,605 |
| Earnings coverage of net charge-offs (x) | 2.0558% | 4,239 |
| Efficiency ratio | 59.3636% | 5,852 |
| Assets per employee ($millions) | 4.1492% | 3,550 |
| Cash dividends to net income (ytd only)* | 43.6750% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 1,732 |
| Loan loss allowance to noncurrent loans | 47.1762% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 2.8577% | 2,114 |
| Noncurrent loans to loans | 4.7398% | 1,232 |
| Net loans and leases to total assets | 58.0066% | 4,367 |
| Net loans and leases to deposits | 65.5717% | 4,792 |
| Net loans and leases to core deposits | 78.1586% | 3,668 |
| Total domestic deposits to total assets | 88.4628% | 1,871 |
| Equity capital to assets | 9.4475% | 4,971 |
| Core capital (leverage) ratio | 7.8160% | 6,425 |
| Tier 1 risk-based capital ratio | 12.8644% | 5,184 |
| Total risk-based capital ratio | 14.1259% | 5,150 |
| Memoranda: | ||
| Average total assets | $252,932,400 | 2,490 |
| Average earning assets | $231,024,600 | 2,499 |
| Average equity | $23,134,800 | 2,765 |
| Average total loans | $151,868,200 | 2,615 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9959% | 6,595 |
| Cost of funding earning assets | 0.5202% | 6,622 |
| Net interest margin | 3.4757% | 5,293 |
| Noninterest income to average assets | 1.1246% | 1,043 |
| Noninterest expense to average assets | 2.6361% | 4,952 |
| Loan and lease loss provision to assets | 0.9965% | 869 |
| Net operating income to assets | 0.6680% | 3,781 |
| Return on assets (ROA) | 0.6680% | 3,954 |
| Pretax return on assets | 0.6590% | 4,615 |
| Return on Equity (ROE) | 7.3638% | 3,355 |
| Retained earnings to average equity (ytd only) | 2.7084% | 4,734 |
| Net charge-offs to loans | 1.4271% | 1,039 |
| Credit loss provision to net charge-offs | 115.9509% | 2,820 |
| Earnings coverage of net charge-offs (x) | 1.9264% | 4,207 |
| Efficiency ratio | 61.4251% | 5,494 |
| Assets per employee ($millions) | 4.0338% | 3,773 |
| Cash dividends to net income (ytd only)* | 63.2201% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1178% | 2,028 |
| Loan loss allowance to noncurrent loans | 38.6247% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 3.3224% | 1,915 |
| Noncurrent loans to loans | 5.4832% | 1,083 |
| Net loans and leases to total assets | 57.3068% | 4,625 |
| Net loans and leases to deposits | 64.6082% | 5,098 |
| Net loans and leases to core deposits | 76.9245% | 4,068 |
| Total domestic deposits to total assets | 88.6990% | 1,622 |
| Equity capital to assets | 9.1864% | 5,530 |
| Core capital (leverage) ratio | 7.4272% | 6,802 |
| Tier 1 risk-based capital ratio | 12.6538% | 5,362 |
| Total risk-based capital ratio | 13.9141% | 5,337 |
| Memoranda: | ||
| Average total assets | $252,889,500 | 2,502 |
| Average earning assets | $230,429,500 | 2,505 |
| Average equity | $22,940,500 | 2,784 |
| Average total loans | $152,291,500 | 2,632 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 6,609 |
| Cost of funding earning assets | 0.5396% | 6,706 |
| Net interest margin | 3.4928% | 5,194 |
| Noninterest income to average assets | 1.1217% | 1,027 |
| Noninterest expense to average assets | 2.6616% | 4,960 |
| Loan and lease loss provision to assets | 1.1724% | 676 |
| Net operating income to assets | 0.4650% | 4,658 |
| Return on assets (ROA) | 0.4650% | 4,793 |
| Pretax return on assets | 0.4515% | 5,224 |
| Return on Equity (ROE) | 5.1478% | 4,383 |
| Retained earnings to average equity (ytd only) | -0.4648% | 5,950 |
| Net charge-offs to loans | 2.0448% | 650 |
| Credit loss provision to net charge-offs | 94.3276% | 3,332 |
| Earnings coverage of net charge-offs (x) | 1.3066% | 4,303 |
| Efficiency ratio | 62.1072% | 5,569 |
| Assets per employee ($millions) | 4.2283% | 3,300 |
| Cash dividends to net income (ytd only)* | 109.0290% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 2,682 |
| Loan loss allowance to noncurrent loans | 39.4815% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 2.7712% | 2,417 |
| Noncurrent loans to loans | 4.8009% | 1,371 |
| Net loans and leases to total assets | 54.4425% | 5,230 |
| Net loans and leases to deposits | 60.5200% | 5,671 |
| Net loans and leases to core deposits | 69.0357% | 5,181 |
| Total domestic deposits to total assets | 89.9580% | 999 |
| Equity capital to assets | 8.5776% | 6,086 |
| Core capital (leverage) ratio | 7.8056% | 6,505 |
| Tier 1 risk-based capital ratio | 12.4736% | 5,373 |
| Total risk-based capital ratio | 13.7310% | 5,343 |
| Memoranda: | ||
| Average total assets | $252,477,000 | 2,517 |
| Average earning assets | $228,700,000 | 2,545 |
| Average equity | $22,805,670 | 2,782 |
| Average total loans | $153,461,000 | 2,637 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 6,149 |
| Cost of funding earning assets | 0.5678% | 6,732 |
| Net interest margin | 3.6816% | 4,195 |
| Noninterest income to average assets | 1.0899% | 1,103 |
| Noninterest expense to average assets | 2.6653% | 4,978 |
| Loan and lease loss provision to assets | 1.5477% | 408 |
| Net operating income to assets | 0.2786% | 5,507 |
| Return on assets (ROA) | 0.2786% | 5,567 |
| Pretax return on assets | 0.2786% | 5,715 |
| Return on Equity (ROE) | 3.0021% | 5,371 |
| Retained earnings to average equity (ytd only) | -3.4586% | 6,357 |
| Net charge-offs to loans | 0.6936% | 1,829 |
| Credit loss provision to net charge-offs | 350.5535% | 932 |
| Earnings coverage of net charge-offs (x) | 4.1365% | 2,552 |
| Efficiency ratio | 59.3399% | 6,076 |
| Assets per employee ($millions) | 3.9743% | 3,889 |
| Cash dividends to net income (ytd only)* | 215.2047% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3017% | 1,760 |
| Loan loss allowance to noncurrent loans | 48.4857% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.1424% | 2,193 |
| Noncurrent loans to loans | 4.7472% | 1,449 |
| Net loans and leases to total assets | 61.4978% | 3,967 |
| Net loans and leases to deposits | 69.2036% | 4,491 |
| Net loans and leases to core deposits | 81.2152% | 3,571 |
| Total domestic deposits to total assets | 88.8650% | 1,859 |
| Equity capital to assets | 9.2145% | 4,851 |
| Core capital (leverage) ratio | 7.7060% | 6,554 |
| Tier 1 risk-based capital ratio | 11.8982% | 5,782 |
| Total risk-based capital ratio | 13.1612% | 5,762 |
| Memoranda: | ||
| Average total assets | $245,525,500 | 2,610 |
| Average earning assets | $226,858,500 | 2,586 |
| Average equity | $22,784,000 | 2,770 |
| Average total loans | $156,278,500 | 2,611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 6,738 |
| Cost of funding earning assets | 0.8349% | 6,419 |
| Net interest margin | 3.4922% | 5,274 |
| Noninterest income to average assets | 1.3653% | 788 |
| Noninterest expense to average assets | 2.6858% | 5,053 |
| Loan and lease loss provision to assets | 0.9190% | 1,776 |
| Net operating income to assets | 0.9586% | 2,170 |
| Return on assets (ROA) | 0.9586% | 2,296 |
| Pretax return on assets | 0.9586% | 3,071 |
| Return on Equity (ROE) | 10.8395% | 1,632 |
| Retained earnings to average equity (ytd only) | 6.6226% | 1,495 |
| Net charge-offs to loans | 0.9023% | 2,389 |
| Credit loss provision to net charge-offs | 157.3622% | 2,239 |
| Earnings coverage of net charge-offs (x) | 3.2149% | 3,469 |
| Efficiency ratio | 58.8551% | 6,225 |
| Assets per employee ($millions) | 3.7068% | 4,448 |
| Cash dividends to net income (ytd only)* | 38.9031% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8361% | 2,729 |
| Loan loss allowance to noncurrent loans | 44.1644% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 2.8846% | 2,432 |
| Noncurrent loans to loans | 4.1574% | 1,742 |
| Net loans and leases to total assets | 63.1780% | 4,032 |
| Net loans and leases to deposits | 70.7071% | 4,727 |
| Net loans and leases to core deposits | 83.7159% | 3,636 |
| Total domestic deposits to total assets | 89.3516% | 1,464 |
| Equity capital to assets | 9.3453% | 4,629 |
| Core capital (leverage) ratio | 7.6051% | 6,617 |
| Tier 1 risk-based capital ratio | 11.9333% | 5,537 |
| Total risk-based capital ratio | 13.1905% | 5,510 |
| Memoranda: | ||
| Average total assets | $245,365,000 | 2,591 |
| Average earning assets | $224,702,800 | 2,571 |
| Average equity | $21,698,400 | 2,914 |
| Average total loans | $158,824,600 | 2,630 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 6,978 |
| Cost of funding earning assets | 0.8905% | 6,430 |
| Net interest margin | 3.3981% | 5,689 |
| Noninterest income to average assets | 1.3005% | 816 |
| Noninterest expense to average assets | 2.6401% | 5,152 |
| Loan and lease loss provision to assets | 0.8281% | 1,830 |
| Net operating income to assets | 0.9383% | 2,460 |
| Return on assets (ROA) | 0.9383% | 2,593 |
| Pretax return on assets | 0.9383% | 3,414 |
| Return on Equity (ROE) | 10.7624% | 1,861 |
| Retained earnings to average equity (ytd only) | 5.0698% | 2,934 |
| Net charge-offs to loans | 0.5679% | 3,050 |
| Credit loss provision to net charge-offs | 224.9263% | 1,537 |
| Earnings coverage of net charge-offs (x) | 4.7979% | 2,925 |
| Efficiency ratio | 59.9137% | 5,973 |
| Assets per employee ($millions) | 4.0883% | 3,668 |
| Cash dividends to net income (ytd only)* | 52.8937% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 2,648 |
| Loan loss allowance to noncurrent loans | 33.8991% | 6,069 |
| Noncurrent assets plus other real estate owned to assets | 3.5098% | 2,030 |
| Noncurrent loans to loans | 5.4410% | 1,229 |
| Net loans and leases to total assets | 62.2245% | 4,481 |
| Net loans and leases to deposits | 69.3444% | 5,230 |
| Net loans and leases to core deposits | 81.0476% | 4,376 |
| Total domestic deposits to total assets | 89.7325% | 1,004 |
| Equity capital to assets | 8.7309% | 5,966 |
| Core capital (leverage) ratio | 6.8868% | 7,218 |
| Tier 1 risk-based capital ratio | 11.0313% | 6,346 |
| Total risk-based capital ratio | 12.2884% | 6,322 |
| Memoranda: | ||
| Average total assets | $245,544,500 | 2,627 |
| Average earning assets | $224,431,750 | 2,612 |
| Average equity | $21,407,250 | 2,994 |
| Average total loans | $159,167,250 | 2,671 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 7,048 |
| Cost of funding earning assets | 0.9165% | 6,512 |
| Net interest margin | 3.3855% | 5,695 |
| Noninterest income to average assets | 1.2306% | 857 |
| Noninterest expense to average assets | 2.6226% | 5,238 |
| Loan and lease loss provision to assets | 0.6755% | 2,139 |
| Net operating income to assets | 1.0235% | 2,105 |
| Return on assets (ROA) | 1.0235% | 2,181 |
| Pretax return on assets | 1.0235% | 3,030 |
| Return on Equity (ROE) | 11.7454% | 1,516 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,613 |
| Net charge-offs to loans | 0.5592% | 2,857 |
| Credit loss provision to net charge-offs | 184.9776% | 2,129 |
| Earnings coverage of net charge-offs (x) | 4.6525% | 2,889 |
| Efficiency ratio | 60.6859% | 5,923 |
| Assets per employee ($millions) | 4.1414% | 3,505 |
| Cash dividends to net income (ytd only)* | 53.2000% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5584% | 3,628 |
| Loan loss allowance to noncurrent loans | 23.7855% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 4.1064% | 1,661 |
| Noncurrent loans to loans | 6.5519% | 907 |
| Net loans and leases to total assets | 59.2681% | 5,204 |
| Net loans and leases to deposits | 65.6429% | 5,854 |
| Net loans and leases to core deposits | 72.0103% | 5,667 |
| Total domestic deposits to total assets | 90.2886% | 775 |
| Equity capital to assets | 8.2476% | 6,483 |
| Core capital (leverage) ratio | 7.0944% | 7,136 |
| Tier 1 risk-based capital ratio | 11.0118% | 6,225 |
| Total risk-based capital ratio | 12.2653% | 6,210 |
| Memoranda: | ||
| Average total assets | $244,263,000 | 2,665 |
| Average earning assets | $223,010,670 | 2,649 |
| Average equity | $21,285,000 | 3,006 |
| Average total loans | $159,524,000 | 2,703 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3918% | 7,004 |
| Cost of funding earning assets | 0.9488% | 6,585 |
| Net interest margin | 3.4431% | 5,407 |
| Noninterest income to average assets | 1.2817% | 739 |
| Noninterest expense to average assets | 2.6854% | 4,976 |
| Loan and lease loss provision to assets | 0.8901% | 1,426 |
| Net operating income to assets | 0.8562% | 2,726 |
| Return on assets (ROA) | 0.8562% | 2,813 |
| Pretax return on assets | 0.8562% | 3,642 |
| Return on Equity (ROE) | 9.5427% | 2,273 |
| Retained earnings to average equity (ytd only) | 9.0325% | 1,393 |
| Net charge-offs to loans | 0.3484% | 3,015 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 7.3571% | 2,102 |
| Efficiency ratio | 60.5968% | 6,070 |
| Assets per employee ($millions) | 3.8406% | 4,223 |
| Cash dividends to net income (ytd only)* | 5.3465% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,761 |
| Loan loss allowance to noncurrent loans | 27.0086% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 3.8817% | 1,779 |
| Noncurrent loans to loans | 5.6568% | 1,212 |
| Net loans and leases to total assets | 65.3706% | 4,028 |
| Net loans and leases to deposits | 72.8559% | 4,935 |
| Net loans and leases to core deposits | 82.2528% | 4,449 |
| Total domestic deposits to total assets | 89.7258% | 1,129 |
| Equity capital to assets | 8.8466% | 5,471 |
| Core capital (leverage) ratio | 7.4642% | 6,886 |
| Tier 1 risk-based capital ratio | 10.6371% | 6,505 |
| Total risk-based capital ratio | 11.8903% | 6,489 |
| Memoranda: | ||
| Average total assets | $235,939,000 | 2,803 |
| Average earning assets | $215,854,500 | 2,794 |
| Average equity | $21,168,000 | 3,046 |
| Average total loans | $160,743,500 | 2,754 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0946% | 6,107 |
| Cost of funding earning assets | 1.2396% | 6,508 |
| Net interest margin | 3.8550% | 3,459 |
| Noninterest income to average assets | 1.4689% | 664 |
| Noninterest expense to average assets | 3.1048% | 3,721 |
| Loan and lease loss provision to assets | 0.8432% | 2,624 |
| Net operating income to assets | 1.0635% | 1,611 |
| Return on assets (ROA) | 1.0635% | 1,662 |
| Pretax return on assets | 1.0362% | 2,473 |
| Return on Equity (ROE) | 11.2377% | 1,369 |
| Retained earnings to average equity (ytd only) | 2.7698% | 3,223 |
| Net charge-offs to loans | 1.0951% | 2,229 |
| Credit loss provision to net charge-offs | 104.7484% | 5,281 |
| Earnings coverage of net charge-offs (x) | 2.3347% | 3,978 |
| Efficiency ratio | 62.2934% | 6,104 |
| Assets per employee ($millions) | 3.7084% | 4,498 |
| Cash dividends to net income (ytd only)* | 75.3530% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 4,838 |
| Loan loss allowance to noncurrent loans | 42.4672% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.2155% | 3,108 |
| Noncurrent loans to loans | 3.0286% | 2,549 |
| Net loans and leases to total assets | 69.0652% | 3,472 |
| Net loans and leases to deposits | 77.2959% | 4,505 |
| Net loans and leases to core deposits | 92.8822% | 4,799 |
| Total domestic deposits to total assets | 89.3516% | 1,296 |
| Equity capital to assets | 9.1035% | 4,983 |
| Core capital (leverage) ratio | 7.6167% | 6,662 |
| Tier 1 risk-based capital ratio | 10.5948% | 6,302 |
| Total risk-based capital ratio | 11.8451% | 6,280 |
| Memoranda: | ||
| Average total assets | $219,754,200 | 2,944 |
| Average earning assets | $200,387,200 | 2,962 |
| Average equity | $20,796,000 | 3,097 |
| Average total loans | $161,545,000 | 2,735 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2134% | 5,822 |
| Cost of funding earning assets | 1.3205% | 6,489 |
| Net interest margin | 3.8928% | 3,256 |
| Noninterest income to average assets | 1.4142% | 754 |
| Noninterest expense to average assets | 3.1864% | 3,346 |
| Loan and lease loss provision to assets | 0.3241% | 4,391 |
| Net operating income to assets | 1.4873% | 838 |
| Return on assets (ROA) | 1.4873% | 893 |
| Pretax return on assets | 1.4505% | 1,558 |
| Return on Equity (ROE) | 15.5599% | 705 |
| Retained earnings to average equity (ytd only) | 4.2448% | 2,900 |
| Net charge-offs to loans | 0.6917% | 2,622 |
| Credit loss provision to net charge-offs | 62.9321% | 6,123 |
| Earnings coverage of net charge-offs (x) | 3.4458% | 3,527 |
| Efficiency ratio | 64.2292% | 5,699 |
| Assets per employee ($millions) | 3.5942% | 4,703 |
| Cash dividends to net income (ytd only)* | 72.7195% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 6,071 |
| Loan loss allowance to noncurrent loans | 22.6737% | 6,935 |
| Noncurrent assets plus other real estate owned to assets | 3.6660% | 1,787 |
| Noncurrent loans to loans | 4.5792% | 1,512 |
| Net loans and leases to total assets | 70.4653% | 3,399 |
| Net loans and leases to deposits | 80.0859% | 4,369 |
| Net loans and leases to core deposits | 95.0740% | 4,921 |
| Total domestic deposits to total assets | 87.9871% | 1,660 |
| Equity capital to assets | 9.2849% | 5,060 |
| Core capital (leverage) ratio | 7.5757% | 6,887 |
| Tier 1 risk-based capital ratio | 10.7903% | 6,169 |
| Total risk-based capital ratio | 11.8536% | 6,316 |
| Memoranda: | ||
| Average total assets | $217,212,250 | 2,995 |
| Average earning assets | $197,896,750 | 3,013 |
| Average equity | $20,762,250 | 3,131 |
| Average total loans | $161,715,000 | 2,761 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3584% | 5,364 |
| Cost of funding earning assets | 1.3629% | 6,612 |
| Net interest margin | 3.9955% | 2,716 |
| Noninterest income to average assets | 1.4514% | 709 |
| Noninterest expense to average assets | 3.2876% | 3,010 |
| Loan and lease loss provision to assets | 0.3624% | 3,755 |
| Net operating income to assets | 1.4766% | 877 |
| Return on assets (ROA) | 1.4766% | 940 |
| Pretax return on assets | 1.4458% | 1,600 |
| Return on Equity (ROE) | 15.2938% | 783 |
| Retained earnings to average equity (ytd only) | 4.5369% | 2,769 |
| Net charge-offs to loans | 0.9711% | 1,797 |
| Credit loss provision to net charge-offs | 49.3639% | 5,774 |
| Earnings coverage of net charge-offs (x) | 2.4631% | 3,838 |
| Efficiency ratio | 64.5161% | 5,802 |
| Assets per employee ($millions) | 3.4387% | 4,979 |
| Cash dividends to net income (ytd only)* | 70.3352% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,355 |
| Loan loss allowance to noncurrent loans | 41.5663% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 1.8326% | 3,425 |
| Noncurrent loans to loans | 2.3682% | 3,056 |
| Net loans and leases to total assets | 73.6865% | 2,793 |
| Net loans and leases to deposits | 82.9150% | 4,059 |
| Net loans and leases to core deposits | 97.1618% | 4,766 |
| Total domestic deposits to total assets | 88.8699% | 1,336 |
| Equity capital to assets | 9.6202% | 4,467 |
| Core capital (leverage) ratio | 7.7416% | 6,688 |
| Tier 1 risk-based capital ratio | 10.7618% | 6,124 |
| Total risk-based capital ratio | 11.7788% | 6,302 |
| Memoranda: | ||
| Average total assets | $214,139,000 | 3,054 |
| Average earning assets | $195,319,000 | 3,071 |
| Average equity | $20,675,000 | 3,151 |
| Average total loans | $161,876,670 | 2,781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2925% | 5,924 |
| Cost of funding earning assets | 1.3803% | 6,783 |
| Net interest margin | 3.9122% | 3,000 |
| Noninterest income to average assets | 1.2739% | 882 |
| Noninterest expense to average assets | 3.1528% | 3,180 |
| Loan and lease loss provision to assets | 0.3720% | 3,093 |
| Net operating income to assets | 1.3171% | 1,343 |
| Return on assets (ROA) | 1.3171% | 1,441 |
| Pretax return on assets | 1.3171% | 2,222 |
| Return on Equity (ROE) | 13.6169% | 1,242 |
| Retained earnings to average equity (ytd only) | 5.5167% | 2,854 |
| Net charge-offs to loans | 1.8890% | 763 |
| Credit loss provision to net charge-offs | 25.8486% | 4,998 |
| Earnings coverage of net charge-offs (x) | 1.1736% | 4,164 |
| Efficiency ratio | 65.1145% | 5,490 |
| Assets per employee ($millions) | 3.4245% | 5,010 |
| Cash dividends to net income (ytd only)* | 59.4864% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 6,850 |
| Loan loss allowance to noncurrent loans | 40.6950% | 5,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 3,329 |
| Noncurrent loans to loans | 2.1504% | 3,051 |
| Net loans and leases to total assets | 74.3958% | 2,652 |
| Net loans and leases to deposits | 83.4678% | 4,066 |
| Net loans and leases to core deposits | 97.7831% | 4,766 |
| Total domestic deposits to total assets | 89.1312% | 1,182 |
| Equity capital to assets | 9.5835% | 4,549 |
| Core capital (leverage) ratio | 7.9663% | 6,520 |
| Tier 1 risk-based capital ratio | 10.5681% | 6,323 |
| Total risk-based capital ratio | 11.4698% | 6,606 |
| Memoranda: | ||
| Average total assets | $212,889,500 | 3,084 |
| Average earning assets | $194,160,500 | 3,094 |
| Average equity | $20,592,000 | 3,170 |
| Average total loans | $162,205,000 | 2,809 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2999% | 3,963 |
| Cost of funding earning assets | 1.8059% | 6,988 |
| Net interest margin | 4.4941% | 1,443 |
| Noninterest income to average assets | 1.1325% | 1,216 |
| Noninterest expense to average assets | 3.0879% | 3,748 |
| Loan and lease loss provision to assets | 0.3339% | 3,713 |
| Net operating income to assets | 1.7580% | 596 |
| Return on assets (ROA) | 1.7580% | 574 |
| Pretax return on assets | 1.7580% | 1,033 |
| Return on Equity (ROE) | 17.8999% | 529 |
| Retained earnings to average equity (ytd only) | -1.7969% | 5,814 |
| Net charge-offs to loans | 0.1228% | 5,014 |
| Credit loss provision to net charge-offs | 354.9223% | 1,263 |
| Earnings coverage of net charge-offs (x) | 22.2332% | 1,481 |
| Efficiency ratio | 59.6141% | 6,417 |
| Assets per employee ($millions) | 3.3339% | 5,133 |
| Cash dividends to net income (ytd only)* | 110.0388% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,366 |
| Loan loss allowance to noncurrent loans | 57.6365% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.7540% | 2,788 |
| Noncurrent loans to loans | 2.1196% | 2,605 |
| Net loans and leases to total assets | 76.4175% | 2,519 |
| Net loans and leases to deposits | 86.2742% | 4,076 |
| Net loans and leases to core deposits | 100.3633% | 4,790 |
| Total domestic deposits to total assets | 88.5751% | 1,216 |
| Equity capital to assets | 9.7642% | 4,338 |
| Core capital (leverage) ratio | 7.9217% | 6,616 |
| Tier 1 risk-based capital ratio | 10.1572% | 6,571 |
| Total risk-based capital ratio | 11.3922% | 6,447 |
| Memoranda: | ||
| Average total assets | $205,123,800 | 3,068 |
| Average earning assets | $184,732,800 | 3,119 |
| Average equity | $20,145,400 | 3,210 |
| Average total loans | $157,167,600 | 2,820 |