Home > Guaranty State Bank and Trust Company > Performance and Condition Ratios
Guaranty State Bank and Trust Company, 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 | 5.0567% | 3,016 |
| Cost of funding earning assets | 2.1044% | 1,646 |
| Net interest margin | 2.9523% | 3,485 |
| Noninterest income to average assets | 0.5300% | 1,608 |
| Noninterest expense to average assets | 2.1760% | 3,179 |
| Loan and lease loss provision to assets | -0.1100% | 4,346 |
| Net operating income to assets | 1.0113% | 2,245 |
| Return on assets (ROA) | 1.0104% | 2,246 |
| Pretax return on assets | 1.2670% | 2,065 |
| Return on Equity (ROE) | 11.3900% | 1,910 |
| Retained earnings to average equity (ytd only) | -8.0663% | 4,198 |
| Net charge-offs to loans | 0.0047% | 2,091 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,470 |
| Earnings coverage of net charge-offs (x) | 366.6667% | 258 |
| Efficiency ratio | 64.5049% | 2,418 |
| Assets per employee ($millions) | 6.5719% | 2,515 |
| Cash dividends to net income (ytd only)* | 170.8464% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,598 |
| Loan loss allowance to noncurrent loans | 145.8575% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 1,462 |
| Noncurrent loans to loans | 0.7706% | 1,343 |
| Net loans and leases to total assets | 64.9100% | 2,399 |
| Net loans and leases to deposits | 78.5130% | 2,188 |
| Net loans and leases to core deposits | 82.3502% | 2,555 |
| Total domestic deposits to total assets | 82.6700% | 3,180 |
| Equity capital to assets | 9.0769% | 2,880 |
| Core capital (leverage) ratio | 11.5508% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $378,857,000 | 2,138 |
| Average earning assets | $360,394,000 | 2,107 |
| Average equity | $33,621,500 | 2,282 |
| Average total loans | $253,830,000 | 2,098 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1434% | 2,850 |
| Cost of funding earning assets | 2.2004% | 1,739 |
| Net interest margin | 2.9430% | 3,244 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.2362% | 3,020 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7392% | 2,858 |
| Return on assets (ROA) | 0.7411% | 2,874 |
| Pretax return on assets | 0.9272% | 2,730 |
| Return on Equity (ROE) | 8.4500% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.1409% | 2,982 |
| Net charge-offs to loans | -0.0139% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 69.9158% | 2,005 |
| Assets per employee ($millions) | 5.9862% | 2,892 |
| Cash dividends to net income (ytd only)* | 62.8233% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 2,709 |
| Loan loss allowance to noncurrent loans | 159.1010% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 1,507 |
| Noncurrent loans to loans | 0.6884% | 1,418 |
| Net loans and leases to total assets | 67.5700% | 2,189 |
| Net loans and leases to deposits | 85.0192% | 1,684 |
| Net loans and leases to core deposits | 89.0625% | 2,172 |
| Total domestic deposits to total assets | 79.4800% | 3,614 |
| Equity capital to assets | 8.6765% | 3,058 |
| Core capital (leverage) ratio | 11.4152% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $375,642,800 | 2,120 |
| Average earning assets | $357,256,600 | 2,086 |
| Average equity | $32,952,200 | 2,260 |
| Average total loans | $251,289,800 | 2,074 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 2,952 |
| Cost of funding earning assets | 2.1548% | 1,841 |
| Net interest margin | 2.8965% | 3,296 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.1781% | 3,138 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.7565% | 2,821 |
| Return on assets (ROA) | 0.7577% | 2,828 |
| Pretax return on assets | 0.9660% | 2,642 |
| Return on Equity (ROE) | 8.6100% | 2,581 |
| Retained earnings to average equity (ytd only) | 2.2100% | 3,406 |
| Net charge-offs to loans | -0.0118% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 68.6163% | 2,187 |
| Assets per employee ($millions) | 6.1213% | 2,774 |
| Cash dividends to net income (ytd only)* | 74.3409% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 2,774 |
| Loan loss allowance to noncurrent loans | 101.2866% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.7255% | 983 |
| Noncurrent loans to loans | 1.0838% | 918 |
| Net loans and leases to total assets | 66.2100% | 2,294 |
| Net loans and leases to deposits | 84.6334% | 1,765 |
| Net loans and leases to core deposits | 89.8759% | 2,152 |
| Total domestic deposits to total assets | 78.2300% | 3,702 |
| Equity capital to assets | 9.2014% | 2,880 |
| Core capital (leverage) ratio | 11.5291% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $373,774,500 | 2,114 |
| Average earning assets | $355,727,250 | 2,085 |
| Average equity | $32,880,000 | 2,259 |
| Average total loans | $248,674,000 | 2,074 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0693% | 2,820 |
| Cost of funding earning assets | 2.0053% | 2,105 |
| Net interest margin | 3.0640% | 2,926 |
| Noninterest income to average assets | 0.3900% | 2,441 |
| Noninterest expense to average assets | 2.1946% | 3,089 |
| Loan and lease loss provision to assets | -0.0600% | 4,343 |
| Net operating income to assets | 0.9383% | 2,191 |
| Return on assets (ROA) | 0.9383% | 2,196 |
| Pretax return on assets | 1.1730% | 2,013 |
| Return on Equity (ROE) | 10.8400% | 1,937 |
| Retained earnings to average equity (ytd only) | 5.9728% | 2,019 |
| Net charge-offs to loans | -0.0171% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.3723% | 2,506 |
| Assets per employee ($millions) | 6.1593% | 2,670 |
| Cash dividends to net income (ytd only)* | 44.8991% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 2,765 |
| Loan loss allowance to noncurrent loans | 484.6290% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 2,634 |
| Noncurrent loans to loans | 0.2280% | 2,573 |
| Net loans and leases to total assets | 66.4300% | 2,295 |
| Net loans and leases to deposits | 82.4024% | 1,991 |
| Net loans and leases to core deposits | 86.8535% | 2,353 |
| Total domestic deposits to total assets | 80.6200% | 3,341 |
| Equity capital to assets | 8.8795% | 2,823 |
| Core capital (leverage) ratio | 12.0159% | 1,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $369,819,667 | 2,130 |
| Average earning assets | $351,960,333 | 2,093 |
| Average equity | $32,012,000 | 2,269 |
| Average total loans | $245,509,667 | 2,087 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0655% | 2,653 |
| Cost of funding earning assets | 1.9408% | 2,151 |
| Net interest margin | 3.1248% | 2,731 |
| Noninterest income to average assets | 0.4500% | 2,013 |
| Noninterest expense to average assets | 2.2284% | 2,992 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | 0.9385% | 2,119 |
| Return on assets (ROA) | 0.9385% | 2,137 |
| Pretax return on assets | 1.2088% | 1,874 |
| Return on Equity (ROE) | 10.9800% | 1,860 |
| Retained earnings to average equity (ytd only) | 1.4046% | 3,393 |
| Net charge-offs to loans | -0.0328% | 4,241 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.0158% | 2,683 |
| Assets per employee ($millions) | 6.0561% | 2,798 |
| Cash dividends to net income (ytd only)* | 87.2120% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 2,381 |
| Loan loss allowance to noncurrent loans | 382.3688% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,332 |
| Noncurrent loans to loans | 0.3086% | 2,212 |
| Net loans and leases to total assets | 65.4700% | 2,304 |
| Net loans and leases to deposits | 77.3919% | 2,296 |
| Net loans and leases to core deposits | 81.9921% | 2,575 |
| Total domestic deposits to total assets | 84.6000% | 2,540 |
| Equity capital to assets | 8.6463% | 2,926 |
| Core capital (leverage) ratio | 11.4402% | 1,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $369,950,000 | 2,142 |
| Average earning assets | $352,026,000 | 2,101 |
| Average equity | $31,610,500 | 2,285 |
| Average total loans | $244,146,000 | 2,091 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6922% | 2,697 |
| Cost of funding earning assets | 1.6839% | 1,483 |
| Net interest margin | 3.0084% | 3,264 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.2390% | 3,013 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7737% | 2,967 |
| Return on assets (ROA) | 0.7737% | 2,940 |
| Pretax return on assets | 0.9586% | 2,784 |
| Return on Equity (ROE) | 9.7500% | 2,569 |
| Retained earnings to average equity (ytd only) | 1.6176% | 3,673 |
| Net charge-offs to loans | 0.0837% | 1,027 |
| Credit loss provision to net charge-offs | 38.2653% | 2,248 |
| Earnings coverage of net charge-offs (x) | 18.3724% | 1,937 |
| Efficiency ratio | 69.5784% | 1,935 |
| Assets per employee ($millions) | 6.2755% | 2,573 |
| Cash dividends to net income (ytd only)* | 83.4153% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 2,586 |
| Loan loss allowance to noncurrent loans | 557.4803% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,623 |
| Noncurrent loans to loans | 0.2052% | 2,489 |
| Net loans and leases to total assets | 64.9900% | 2,370 |
| Net loans and leases to deposits | 78.2727% | 2,238 |
| Net loans and leases to core deposits | 83.7135% | 2,479 |
| Total domestic deposits to total assets | 83.0300% | 2,886 |
| Equity capital to assets | 8.4463% | 3,089 |
| Core capital (leverage) ratio | 11.5807% | 1,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $367,838,400 | 2,122 |
| Average earning assets | $348,361,800 | 2,101 |
| Average equity | $29,178,400 | 2,305 |
| Average total loans | $234,047,000 | 2,086 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5997% | 2,678 |
| Cost of funding earning assets | 1.5898% | 1,388 |
| Net interest margin | 3.0099% | 3,324 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.2855% | 2,836 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7080% | 3,307 |
| Return on assets (ROA) | 0.7063% | 3,290 |
| Pretax return on assets | 0.9269% | 3,037 |
| Return on Equity (ROE) | 9.0500% | 2,912 |
| Retained earnings to average equity (ytd only) | -1.0424% | 4,256 |
| Net charge-offs to loans | 0.0046% | 2,313 |
| Credit loss provision to net charge-offs | 312.5000% | 855 |
| Earnings coverage of net charge-offs (x) | 321.1250% | 429 |
| Efficiency ratio | 70.9290% | 1,687 |
| Assets per employee ($millions) | 6.0884% | 2,666 |
| Cash dividends to net income (ytd only)* | 111.5126% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,311 |
| Loan loss allowance to noncurrent loans | 217.0322% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,557 |
| Noncurrent loans to loans | 0.5575% | 1,434 |
| Net loans and leases to total assets | 65.2700% | 2,313 |
| Net loans and leases to deposits | 81.8218% | 1,913 |
| Net loans and leases to core deposits | 87.7523% | 2,068 |
| Total domestic deposits to total assets | 79.7700% | 3,565 |
| Equity capital to assets | 7.3012% | 3,465 |
| Core capital (leverage) ratio | 11.4208% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $365,665,000 | 2,133 |
| Average earning assets | $345,957,000 | 2,111 |
| Average equity | $28,522,250 | 2,324 |
| Average total loans | $230,671,250 | 2,097 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4426% | 2,788 |
| Cost of funding earning assets | 1.4115% | 1,412 |
| Net interest margin | 3.0311% | 3,348 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.2867% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7467% | 3,224 |
| Return on assets (ROA) | 0.7467% | 3,246 |
| Pretax return on assets | 0.9528% | 3,040 |
| Return on Equity (ROE) | 9.3700% | 2,868 |
| Retained earnings to average equity (ytd only) | -5.5328% | 4,440 |
| Net charge-offs to loans | 0.0071% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 216.6250% | 565 |
| Efficiency ratio | 70.5872% | 1,712 |
| Assets per employee ($millions) | 5.6790% | 2,996 |
| Cash dividends to net income (ytd only)* | 159.0574% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,114 |
| Loan loss allowance to noncurrent loans | 311.2051% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 1,902 |
| Noncurrent loans to loans | 0.4058% | 1,715 |
| Net loans and leases to total assets | 63.3300% | 2,452 |
| Net loans and leases to deposits | 78.6420% | 2,074 |
| Net loans and leases to core deposits | 83.9894% | 2,211 |
| Total domestic deposits to total assets | 80.5400% | 3,494 |
| Equity capital to assets | 8.0684% | 3,168 |
| Core capital (leverage) ratio | 10.9904% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $363,756,333 | 2,153 |
| Average earning assets | $343,897,667 | 2,125 |
| Average equity | $28,991,000 | 2,308 |
| Average total loans | $225,769,667 | 2,120 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 2,914 |
| Cost of funding earning assets | 1.1541% | 1,580 |
| Net interest margin | 3.1005% | 3,345 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.2841% | 2,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7639% | 3,311 |
| Return on assets (ROA) | 0.7639% | 3,263 |
| Pretax return on assets | 1.0277% | 2,911 |
| Return on Equity (ROE) | 9.6400% | 2,884 |
| Retained earnings to average equity (ytd only) | -20.3303% | 4,594 |
| Net charge-offs to loans | 0.0018% | 1,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 935.0000% | 113 |
| Efficiency ratio | 68.9678% | 1,862 |
| Assets per employee ($millions) | 5.8275% | 2,913 |
| Cash dividends to net income (ytd only)* | 310.7914% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,829 |
| Loan loss allowance to noncurrent loans | 248.4007% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,556 |
| Noncurrent loans to loans | 0.5426% | 1,363 |
| Net loans and leases to total assets | 58.8400% | 2,779 |
| Net loans and leases to deposits | 69.8142% | 2,628 |
| Net loans and leases to core deposits | 75.1476% | 2,592 |
| Total domestic deposits to total assets | 84.2800% | 3,033 |
| Equity capital to assets | 7.8667% | 3,332 |
| Core capital (leverage) ratio | 10.9540% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $363,906,500 | 2,181 |
| Average earning assets | $343,810,500 | 2,158 |
| Average equity | $28,824,000 | 2,340 |
| Average total loans | $222,086,000 | 2,156 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8625% | 2,085 |
| Cost of funding earning assets | 0.6870% | 618 |
| Net interest margin | 3.1755% | 2,943 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.2751% | 2,818 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.8184% | 3,263 |
| Return on assets (ROA) | 0.8425% | 3,112 |
| Pretax return on assets | 1.0649% | 2,877 |
| Return on Equity (ROE) | 9.2500% | 3,048 |
| Retained earnings to average equity (ytd only) | 5.5879% | 2,792 |
| Net charge-offs to loans | -0.0078% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.2261% | 1,932 |
| Assets per employee ($millions) | 5.6356% | 3,094 |
| Cash dividends to net income (ytd only)* | 39.5612% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 1,797 |
| Loan loss allowance to noncurrent loans | 243.4996% | 2,439 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 1,494 |
| Noncurrent loans to loans | 0.5430% | 1,359 |
| Net loans and leases to total assets | 61.6200% | 2,483 |
| Net loans and leases to deposits | 75.8339% | 2,112 |
| Net loans and leases to core deposits | 81.5146% | 2,040 |
| Total domestic deposits to total assets | 81.2500% | 3,726 |
| Equity capital to assets | 7.9757% | 3,072 |
| Core capital (leverage) ratio | 11.3337% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $357,041,600 | 2,195 |
| Average earning assets | $336,824,600 | 2,169 |
| Average equity | $32,534,800 | 2,219 |
| Average total loans | $218,617,000 | 2,114 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 1,925 |
| Cost of funding earning assets | 0.5711% | 510 |
| Net interest margin | 3.1695% | 2,714 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.0879% | 3,241 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.9344% | 2,743 |
| Return on assets (ROA) | 0.9667% | 2,578 |
| Pretax return on assets | 1.2358% | 2,242 |
| Return on Equity (ROE) | 10.2800% | 2,638 |
| Retained earnings to average equity (ytd only) | 5.5440% | 2,912 |
| Net charge-offs to loans | -0.0031% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.9529% | 2,694 |
| Assets per employee ($millions) | 5.7298% | 3,007 |
| Cash dividends to net income (ytd only)* | 46.0883% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3332% | 1,877 |
| Loan loss allowance to noncurrent loans | 384.5655% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 2,163 |
| Noncurrent loans to loans | 0.3467% | 1,985 |
| Net loans and leases to total assets | 61.7700% | 2,316 |
| Net loans and leases to deposits | 75.0845% | 1,953 |
| Net loans and leases to core deposits | 79.7340% | 1,919 |
| Total domestic deposits to total assets | 82.2600% | 3,799 |
| Equity capital to assets | 7.6710% | 3,108 |
| Core capital (leverage) ratio | 11.2623% | 1,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $356,131,750 | 2,212 |
| Average earning assets | $336,404,250 | 2,181 |
| Average equity | $33,476,750 | 2,211 |
| Average total loans | $216,968,000 | 2,126 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 1,892 |
| Cost of funding earning assets | 0.4749% | 601 |
| Net interest margin | 3.1088% | 2,506 |
| Noninterest income to average assets | 0.3563% | 3,016 |
| Noninterest expense to average assets | 2.0576% | 3,270 |
| Loan and lease loss provision to assets | 0.0168% | 2,300 |
| Net operating income to assets | 0.9779% | 2,236 |
| Return on assets (ROA) | 1.0269% | 2,031 |
| Pretax return on assets | 1.2816% | 1,809 |
| Return on Equity (ROE) | 10.2948% | 2,232 |
| Retained earnings to average equity (ytd only) | 3.6004% | 3,235 |
| Net charge-offs to loans | -0.0204% | 3,884 |
| Credit loss provision to net charge-offs | -136.3636% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4489% | 2,988 |
| Assets per employee ($millions) | 5.8004% | 2,921 |
| Cash dividends to net income (ytd only)* | 65.0273% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 1,984 |
| Loan loss allowance to noncurrent loans | 535.1648% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 2,633 |
| Noncurrent loans to loans | 0.2512% | 2,476 |
| Net loans and leases to total assets | 60.6158% | 2,260 |
| Net loans and leases to deposits | 74.0881% | 1,862 |
| Net loans and leases to core deposits | 77.1645% | 1,908 |
| Total domestic deposits to total assets | 81.8159% | 4,029 |
| Equity capital to assets | 8.7232% | 2,597 |
| Core capital (leverage) ratio | 11.1956% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $356,426,667 | 2,221 |
| Average earning assets | $336,919,333 | 2,196 |
| Average equity | $35,552,000 | 2,179 |
| Average total loans | $215,161,000 | 2,145 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4527% | 1,943 |
| Cost of funding earning assets | 0.4531% | 644 |
| Net interest margin | 2.9996% | 2,506 |
| Noninterest income to average assets | 0.4461% | 2,407 |
| Noninterest expense to average assets | 1.9613% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0686% | 1,626 |
| Return on assets (ROA) | 1.1674% | 1,331 |
| Pretax return on assets | 1.4346% | 1,164 |
| Return on Equity (ROE) | 11.0198% | 1,615 |
| Retained earnings to average equity (ytd only) | 0.4644% | 3,925 |
| Net charge-offs to loans | -0.0262% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9044% | 3,489 |
| Assets per employee ($millions) | 5.9987% | 2,816 |
| Cash dividends to net income (ytd only)* | 95.7854% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 2,003 |
| Loan loss allowance to noncurrent loans | 382.6260% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.2095% | 2,379 |
| Noncurrent loans to loans | 0.3597% | 2,193 |
| Net loans and leases to total assets | 57.4393% | 2,363 |
| Net loans and leases to deposits | 67.8259% | 2,173 |
| Net loans and leases to core deposits | 70.4280% | 2,255 |
| Total domestic deposits to total assets | 84.6865% | 3,616 |
| Equity capital to assets | 9.5954% | 2,213 |
| Core capital (leverage) ratio | 10.8416% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $357,727,500 | 2,219 |
| Average earning assets | $337,247,500 | 2,202 |
| Average equity | $37,895,500 | 2,132 |
| Average total loans | $214,043,500 | 2,146 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0348% | 1,280 |
| Cost of funding earning assets | 0.5215% | 835 |
| Net interest margin | 3.5133% | 1,693 |
| Noninterest income to average assets | 0.4205% | 2,941 |
| Noninterest expense to average assets | 2.3723% | 2,579 |
| Loan and lease loss provision to assets | -0.3185% | 4,783 |
| Net operating income to assets | 1.3559% | 1,422 |
| Return on assets (ROA) | 1.3559% | 1,465 |
| Pretax return on assets | 1.6090% | 1,401 |
| Return on Equity (ROE) | 11.1506% | 2,106 |
| Retained earnings to average equity (ytd only) | 1.1944% | 4,205 |
| Net charge-offs to loans | 0.0435% | 1,408 |
| Credit loss provision to net charge-offs | -1,159.5745% | 3,957 |
| Earnings coverage of net charge-offs (x) | 46.9787% | 1,335 |
| Efficiency ratio | 64.7678% | 2,438 |
| Assets per employee ($millions) | 5.7344% | 3,019 |
| Cash dividends to net income (ytd only)* | 89.2888% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,302 |
| Loan loss allowance to noncurrent loans | 507.0671% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,829 |
| Noncurrent loans to loans | 0.2591% | 2,682 |
| Net loans and leases to total assets | 60.6400% | 2,094 |
| Net loans and leases to deposits | 73.3423% | 1,787 |
| Net loans and leases to core deposits | 76.3335% | 1,891 |
| Total domestic deposits to total assets | 82.6808% | 3,861 |
| Equity capital to assets | 11.6038% | 1,456 |
| Core capital (leverage) ratio | 11.6134% | 1,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,202,600 | 2,235 |
| Average earning assets | $315,800,000 | 2,251 |
| Average equity | $41,612,000 | 2,023 |
| Average total loans | $215,910,200 | 2,131 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1303% | 1,237 |
| Cost of funding earning assets | 0.5400% | 872 |
| Net interest margin | 3.5902% | 1,622 |
| Noninterest income to average assets | 0.4529% | 2,826 |
| Noninterest expense to average assets | 2.2376% | 2,939 |
| Loan and lease loss provision to assets | -0.4288% | 4,867 |
| Net operating income to assets | 1.6399% | 934 |
| Return on assets (ROA) | 1.6399% | 983 |
| Pretax return on assets | 1.9531% | 858 |
| Return on Equity (ROE) | 13.3262% | 1,605 |
| Retained earnings to average equity (ytd only) | 0.0799% | 4,551 |
| Net charge-offs to loans | 0.0489% | 1,174 |
| Credit loss provision to net charge-offs | -1,379.7468% | 3,921 |
| Earnings coverage of net charge-offs (x) | 49.0380% | 1,255 |
| Efficiency ratio | 59.4812% | 3,071 |
| Assets per employee ($millions) | 5.5561% | 3,138 |
| Cash dividends to net income (ytd only)* | 99.4002% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 2,264 |
| Loan loss allowance to noncurrent loans | 289.7590% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 2,301 |
| Noncurrent loans to loans | 0.4633% | 2,168 |
| Net loans and leases to total assets | 62.5792% | 1,929 |
| Net loans and leases to deposits | 76.6045% | 1,612 |
| Net loans and leases to core deposits | 79.9212% | 1,737 |
| Total domestic deposits to total assets | 81.6913% | 3,978 |
| Equity capital to assets | 12.1789% | 1,320 |
| Core capital (leverage) ratio | 11.5493% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,870,500 | 2,270 |
| Average earning assets | $312,321,000 | 2,289 |
| Average equity | $41,701,250 | 2,053 |
| Average total loans | $215,271,750 | 2,168 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7577% | 2,179 |
| Cost of funding earning assets | 0.5530% | 925 |
| Net interest margin | 3.2047% | 2,740 |
| Noninterest income to average assets | 0.6575% | 1,976 |
| Noninterest expense to average assets | 2.1520% | 3,232 |
| Loan and lease loss provision to assets | -0.6345% | 4,931 |
| Net operating income to assets | 1.7866% | 739 |
| Return on assets (ROA) | 1.7866% | 776 |
| Pretax return on assets | 2.0882% | 699 |
| Return on Equity (ROE) | 14.4685% | 1,292 |
| Retained earnings to average equity (ytd only) | 0.0574% | 4,499 |
| Net charge-offs to loans | 0.0734% | 910 |
| Credit loss provision to net charge-offs | -1,360.7595% | 3,744 |
| Earnings coverage of net charge-offs (x) | 31.1772% | 1,291 |
| Efficiency ratio | 59.6824% | 3,057 |
| Assets per employee ($millions) | 5.7771% | 2,825 |
| Cash dividends to net income (ytd only)* | 99.6036% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3710% | 2,104 |
| Loan loss allowance to noncurrent loans | 295.4175% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 2,482 |
| Noncurrent loans to loans | 0.4641% | 2,284 |
| Net loans and leases to total assets | 61.2304% | 2,278 |
| Net loans and leases to deposits | 75.0387% | 1,907 |
| Net loans and leases to core deposits | 78.2720% | 2,027 |
| Total domestic deposits to total assets | 81.5985% | 3,994 |
| Equity capital to assets | 12.1327% | 1,303 |
| Core capital (leverage) ratio | 11.3257% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $338,853,667 | 2,262 |
| Average earning assets | $311,732,333 | 2,278 |
| Average equity | $41,842,667 | 2,041 |
| Average total loans | $215,369,000 | 2,176 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 1,746 |
| Cost of funding earning assets | 0.5748% | 990 |
| Net interest margin | 3.3574% | 2,226 |
| Noninterest income to average assets | 0.4854% | 2,673 |
| Noninterest expense to average assets | 2.0849% | 3,470 |
| Loan and lease loss provision to assets | -1.1543% | 4,962 |
| Net operating income to assets | 2.3951% | 315 |
| Return on assets (ROA) | 2.3951% | 343 |
| Pretax return on assets | 2.6390% | 359 |
| Return on Equity (ROE) | 19.2268% | 601 |
| Retained earnings to average equity (ytd only) | 8.9624% | 1,960 |
| Net charge-offs to loans | 0.0534% | 973 |
| Credit loss provision to net charge-offs | -3,362.0690% | 3,656 |
| Earnings coverage of net charge-offs (x) | 43.2414% | 958 |
| Efficiency ratio | 58.4080% | 3,247 |
| Assets per employee ($millions) | 5.5839% | 3,035 |
| Cash dividends to net income (ytd only)* | 53.3861% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4384% | 1,814 |
| Loan loss allowance to noncurrent loans | 157.1355% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 1,693 |
| Noncurrent loans to loans | 0.9154% | 1,480 |
| Net loans and leases to total assets | 60.3693% | 2,494 |
| Net loans and leases to deposits | 73.9591% | 2,125 |
| Net loans and leases to core deposits | 75.5340% | 2,391 |
| Total domestic deposits to total assets | 81.6253% | 3,966 |
| Equity capital to assets | 12.1609% | 1,219 |
| Core capital (leverage) ratio | 11.7876% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $337,857,000 | 2,247 |
| Average earning assets | $310,359,000 | 2,266 |
| Average equity | $42,087,000 | 2,019 |
| Average total loans | $217,252,000 | 2,164 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 1,581 |
| Cost of funding earning assets | 0.7196% | 1,618 |
| Net interest margin | 3.6854% | 1,853 |
| Noninterest income to average assets | 0.3626% | 3,301 |
| Noninterest expense to average assets | 2.4007% | 3,133 |
| Loan and lease loss provision to assets | 0.0646% | 3,571 |
| Net operating income to assets | 1.0158% | 2,236 |
| Return on assets (ROA) | 1.0405% | 2,283 |
| Pretax return on assets | 1.3431% | 1,843 |
| Return on Equity (ROE) | 7.9649% | 2,836 |
| Retained earnings to average equity (ytd only) | 4.4088% | 2,587 |
| Net charge-offs to loans | 0.0862% | 1,600 |
| Credit loss provision to net charge-offs | 103.0928% | 2,783 |
| Earnings coverage of net charge-offs (x) | 21.9742% | 1,873 |
| Efficiency ratio | 63.5610% | 2,886 |
| Assets per employee ($millions) | 5.2304% | 3,118 |
| Cash dividends to net income (ytd only)* | 44.6478% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 820 |
| Loan loss allowance to noncurrent loans | 68.6304% | 3,759 |
| Noncurrent assets plus other real estate owned to assets | 1.7926% | 345 |
| Noncurrent loans to loans | 2.6554% | 365 |
| Net loans and leases to total assets | 66.2798% | 2,057 |
| Net loans and leases to deposits | 81.8528% | 1,676 |
| Net loans and leases to core deposits | 83.8309% | 2,049 |
| Total domestic deposits to total assets | 80.9745% | 3,873 |
| Equity capital to assets | 12.7682% | 1,196 |
| Core capital (leverage) ratio | 12.1140% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $309,740,400 | 2,242 |
| Average earning assets | $286,970,000 | 2,246 |
| Average equity | $40,464,800 | 2,007 |
| Average total loans | $224,935,600 | 2,073 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5448% | 1,466 |
| Cost of funding earning assets | 0.7575% | 1,691 |
| Net interest margin | 3.7872% | 1,656 |
| Noninterest income to average assets | 0.3373% | 3,457 |
| Noninterest expense to average assets | 2.3504% | 3,284 |
| Loan and lease loss provision to assets | 0.0525% | 3,698 |
| Net operating income to assets | 1.1134% | 1,937 |
| Return on assets (ROA) | 1.1470% | 1,944 |
| Pretax return on assets | 1.4978% | 1,453 |
| Return on Equity (ROE) | 8.7261% | 2,512 |
| Retained earnings to average equity (ytd only) | 3.9837% | 3,056 |
| Net charge-offs to loans | 0.1153% | 1,203 |
| Credit loss provision to net charge-offs | 61.5385% | 2,846 |
| Earnings coverage of net charge-offs (x) | 17.6769% | 1,999 |
| Efficiency ratio | 60.9184% | 3,231 |
| Assets per employee ($millions) | 5.0113% | 3,235 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7322% | 835 |
| Loan loss allowance to noncurrent loans | 60.7028% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 303 |
| Noncurrent loans to loans | 2.8537% | 345 |
| Net loans and leases to total assets | 71.3889% | 1,757 |
| Net loans and leases to deposits | 90.0203% | 1,263 |
| Net loans and leases to core deposits | 93.1874% | 1,696 |
| Total domestic deposits to total assets | 79.3032% | 3,998 |
| Equity capital to assets | 13.1193% | 1,130 |
| Core capital (leverage) ratio | 12.3832% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,796,750 | 2,248 |
| Average earning assets | $283,365,750 | 2,252 |
| Average equity | $40,062,750 | 2,016 |
| Average total loans | $225,555,500 | 2,057 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 2,083 |
| Cost of funding earning assets | 0.7991% | 1,833 |
| Net interest margin | 3.6475% | 2,321 |
| Noninterest income to average assets | 0.3706% | 3,255 |
| Noninterest expense to average assets | 2.4339% | 3,159 |
| Loan and lease loss provision to assets | 0.0332% | 3,848 |
| Net operating income to assets | 1.0269% | 2,231 |
| Return on assets (ROA) | 1.0778% | 2,169 |
| Pretax return on assets | 1.3813% | 1,770 |
| Return on Equity (ROE) | 8.1948% | 2,667 |
| Retained earnings to average equity (ytd only) | 4.6604% | 2,628 |
| Net charge-offs to loans | 0.1748% | 854 |
| Credit loss provision to net charge-offs | 25.5102% | 2,716 |
| Earnings coverage of net charge-offs (x) | 10.3724% | 2,158 |
| Efficiency ratio | 64.3208% | 2,778 |
| Assets per employee ($millions) | 5.1120% | 3,048 |
| Cash dividends to net income (ytd only)* | 43.1300% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 851 |
| Loan loss allowance to noncurrent loans | 54.1632% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3474% | 257 |
| Noncurrent loans to loans | 3.1008% | 297 |
| Net loans and leases to total assets | 73.2733% | 1,512 |
| Net loans and leases to deposits | 92.3606% | 1,116 |
| Net loans and leases to core deposits | 96.0773% | 1,578 |
| Total domestic deposits to total assets | 79.3340% | 3,967 |
| Equity capital to assets | 13.0628% | 1,143 |
| Core capital (leverage) ratio | 12.3678% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $301,159,000 | 2,245 |
| Average earning assets | $281,833,667 | 2,235 |
| Average equity | $39,610,667 | 2,015 |
| Average total loans | $224,289,000 | 2,051 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,944 |
| Cost of funding earning assets | 0.8737% | 1,995 |
| Net interest margin | 3.7473% | 2,155 |
| Noninterest income to average assets | 0.4611% | 2,742 |
| Noninterest expense to average assets | 2.4420% | 3,447 |
| Loan and lease loss provision to assets | 0.1352% | 2,035 |
| Net operating income to assets | 1.1534% | 1,685 |
| Return on assets (ROA) | 1.1534% | 1,788 |
| Pretax return on assets | 1.4333% | 1,473 |
| Return on Equity (ROE) | 8.7377% | 2,213 |
| Retained earnings to average equity (ytd only) | 8.7377% | 1,039 |
| Net charge-offs to loans | 0.1580% | 819 |
| Credit loss provision to net charge-offs | 114.9425% | 1,725 |
| Earnings coverage of net charge-offs (x) | 13.3333% | 1,658 |
| Efficiency ratio | 60.8901% | 3,631 |
| Assets per employee ($millions) | 4.5792% | 3,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 638 |
| Loan loss allowance to noncurrent loans | 56.2076% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5042% | 268 |
| Noncurrent loans to loans | 3.3355% | 295 |
| Net loans and leases to total assets | 72.5252% | 1,848 |
| Net loans and leases to deposits | 91.2596% | 1,370 |
| Net loans and leases to core deposits | 97.4723% | 1,682 |
| Total domestic deposits to total assets | 79.4714% | 3,962 |
| Equity capital to assets | 13.5101% | 1,215 |
| Core capital (leverage) ratio | 12.7376% | 1,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,823,000 | 2,234 |
| Average earning assets | $280,201,500 | 2,196 |
| Average equity | $39,049,000 | 2,023 |
| Average total loans | $220,237,500 | 2,047 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 1,630 |
| Cost of funding earning assets | 0.9046% | 2,166 |
| Net interest margin | 4.0375% | 1,719 |
| Noninterest income to average assets | 0.3475% | 3,624 |
| Noninterest expense to average assets | 2.6123% | 3,146 |
| Loan and lease loss provision to assets | 0.2251% | 859 |
| Net operating income to assets | 0.9888% | 2,883 |
| Return on assets (ROA) | 1.0121% | 2,895 |
| Pretax return on assets | 1.3525% | 2,321 |
| Return on Equity (ROE) | 7.8175% | 3,241 |
| Retained earnings to average equity (ytd only) | 6.7880% | 1,489 |
| Net charge-offs to loans | 0.2156% | 947 |
| Credit loss provision to net charge-offs | 131.9588% | 1,932 |
| Earnings coverage of net charge-offs (x) | 9.0763% | 2,702 |
| Efficiency ratio | 62.7895% | 3,250 |
| Assets per employee ($millions) | 4.8158% | 2,821 |
| Cash dividends to net income (ytd only)* | 13.1689% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8082% | 646 |
| Loan loss allowance to noncurrent loans | 54.7101% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 257 |
| Noncurrent loans to loans | 3.3051% | 257 |
| Net loans and leases to total assets | 73.6215% | 1,815 |
| Net loans and leases to deposits | 91.7609% | 1,396 |
| Net loans and leases to core deposits | 100.5392% | 1,520 |
| Total domestic deposits to total assets | 80.2319% | 3,930 |
| Equity capital to assets | 12.8958% | 1,586 |
| Core capital (leverage) ratio | 12.9195% | 1,271 |
| Tier 1 risk-based capital ratio | 15.1665% | 2,713 |
| Total risk-based capital ratio | 16.4216% | 2,646 |
| Memoranda: | ||
| Average total assets | $284,351,800 | 2,254 |
| Average earning assets | $268,529,200 | 2,220 |
| Average equity | $36,815,000 | 2,057 |
| Average total loans | $224,991,200 | 1,990 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9998% | 1,540 |
| Cost of funding earning assets | 0.9053% | 2,207 |
| Net interest margin | 4.0944% | 1,626 |
| Noninterest income to average assets | 0.3590% | 3,579 |
| Noninterest expense to average assets | 2.5555% | 3,285 |
| Loan and lease loss provision to assets | 0.7550% | 139 |
| Net operating income to assets | 0.6133% | 4,262 |
| Return on assets (ROA) | 0.6448% | 4,222 |
| Pretax return on assets | 0.9558% | 3,721 |
| Return on Equity (ROE) | 4.9752% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.5867% | 3,608 |
| Net charge-offs to loans | 0.6688% | 238 |
| Credit loss provision to net charge-offs | 140.7080% | 1,717 |
| Earnings coverage of net charge-offs (x) | 3.1142% | 3,132 |
| Efficiency ratio | 60.4651% | 3,550 |
| Assets per employee ($millions) | 4.7519% | 2,849 |
| Cash dividends to net income (ytd only)* | 27.9087% | 2,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9029% | 559 |
| Loan loss allowance to noncurrent loans | 54.4999% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.8420% | 199 |
| Noncurrent loans to loans | 3.4916% | 232 |
| Net loans and leases to total assets | 78.7229% | 1,028 |
| Net loans and leases to deposits | 97.8341% | 835 |
| Net loans and leases to core deposits | 108.3912% | 1,027 |
| Total domestic deposits to total assets | 80.4657% | 3,875 |
| Equity capital to assets | 13.0257% | 1,610 |
| Core capital (leverage) ratio | 12.7625% | 1,453 |
| Tier 1 risk-based capital ratio | 14.5467% | 3,047 |
| Total risk-based capital ratio | 15.8034% | 2,974 |
| Memoranda: | ||
| Average total assets | $280,795,500 | 2,288 |
| Average earning assets | $265,233,250 | 2,256 |
| Average equity | $36,392,750 | 2,087 |
| Average total loans | $225,272,750 | 2,003 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0166% | 1,438 |
| Cost of funding earning assets | 0.8955% | 2,169 |
| Net interest margin | 4.1211% | 1,548 |
| Noninterest income to average assets | 0.3852% | 3,365 |
| Noninterest expense to average assets | 2.6303% | 3,119 |
| Loan and lease loss provision to assets | 0.6121% | 183 |
| Net operating income to assets | 0.7360% | 3,880 |
| Return on assets (ROA) | 0.7603% | 3,857 |
| Pretax return on assets | 1.0646% | 3,338 |
| Return on Equity (ROE) | 5.8764% | 4,084 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,364 |
| Net charge-offs to loans | 0.5855% | 259 |
| Credit loss provision to net charge-offs | 130.3354% | 1,660 |
| Earnings coverage of net charge-offs (x) | 3.5046% | 2,836 |
| Efficiency ratio | 61.5101% | 3,507 |
| Assets per employee ($millions) | 4.5414% | 3,073 |
| Cash dividends to net income (ytd only)* | 35.6874% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 656 |
| Loan loss allowance to noncurrent loans | 81.4203% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8637% | 526 |
| Noncurrent loans to loans | 2.2356% | 594 |
| Net loans and leases to total assets | 79.6908% | 936 |
| Net loans and leases to deposits | 98.3367% | 812 |
| Net loans and leases to core deposits | 109.2058% | 1,022 |
| Total domestic deposits to total assets | 81.0387% | 3,798 |
| Equity capital to assets | 13.2016% | 1,487 |
| Core capital (leverage) ratio | 12.7905% | 1,412 |
| Tier 1 risk-based capital ratio | 14.7937% | 2,917 |
| Total risk-based capital ratio | 16.0496% | 2,845 |
| Memoranda: | ||
| Average total assets | $279,356,000 | 2,302 |
| Average earning assets | $263,765,670 | 2,279 |
| Average equity | $36,144,330 | 2,094 |
| Average total loans | $224,095,670 | 2,020 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0822% | 1,134 |
| Cost of funding earning assets | 0.8987% | 2,011 |
| Net interest margin | 4.1835% | 1,336 |
| Noninterest income to average assets | 0.4206% | 3,044 |
| Noninterest expense to average assets | 2.5438% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4553% | 1,217 |
| Return on assets (ROA) | 1.5043% | 1,134 |
| Pretax return on assets | 1.8808% | 829 |
| Return on Equity (ROE) | 11.7449% | 1,635 |
| Retained earnings to average equity (ytd only) | 8.9729% | 1,331 |
| Net charge-offs to loans | -0.2020% | 5,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3007% | 4,042 |
| Assets per employee ($millions) | 4.7102% | 2,903 |
| Cash dividends to net income (ytd only)* | 23.6019% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7831% | 731 |
| Loan loss allowance to noncurrent loans | 79.6897% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8495% | 561 |
| Noncurrent loans to loans | 2.2376% | 627 |
| Net loans and leases to total assets | 78.0781% | 1,132 |
| Net loans and leases to deposits | 94.9651% | 1,065 |
| Net loans and leases to core deposits | 105.1984% | 1,226 |
| Total domestic deposits to total assets | 82.2177% | 3,670 |
| Equity capital to assets | 12.8809% | 1,523 |
| Core capital (leverage) ratio | 12.5608% | 1,472 |
| Tier 1 risk-based capital ratio | 14.5960% | 3,063 |
| Total risk-based capital ratio | 15.8510% | 2,983 |
| Memoranda: | ||
| Average total assets | $280,520,500 | 2,311 |
| Average earning assets | $264,372,500 | 2,287 |
| Average equity | $35,930,500 | 2,103 |
| Average total loans | $223,714,500 | 2,038 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0486% | 944 |
| Cost of funding earning assets | 0.8020% | 1,515 |
| Net interest margin | 4.2466% | 1,288 |
| Noninterest income to average assets | 0.3019% | 4,083 |
| Noninterest expense to average assets | 2.3009% | 4,121 |
| Loan and lease loss provision to assets | 1.1549% | 65 |
| Net operating income to assets | 0.6091% | 4,390 |
| Return on assets (ROA) | 0.6091% | 4,399 |
| Pretax return on assets | 0.8527% | 4,031 |
| Return on Equity (ROE) | 4.8615% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.1184% | 3,293 |
| Net charge-offs to loans | 0.9946% | 146 |
| Credit loss provision to net charge-offs | 135.1635% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.3495% | 3,531 |
| Efficiency ratio | 53.4037% | 4,671 |
| Assets per employee ($millions) | 5.1561% | 2,320 |
| Cash dividends to net income (ytd only)* | 15.2851% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7476% | 757 |
| Loan loss allowance to noncurrent loans | 49.3472% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8395% | 238 |
| Noncurrent loans to loans | 3.5414% | 246 |
| Net loans and leases to total assets | 78.6096% | 1,164 |
| Net loans and leases to deposits | 95.5668% | 1,113 |
| Net loans and leases to core deposits | 105.8995% | 1,275 |
| Total domestic deposits to total assets | 82.2561% | 3,569 |
| Equity capital to assets | 12.7351% | 1,466 |
| Core capital (leverage) ratio | 12.6897% | 1,384 |
| Tier 1 risk-based capital ratio | 14.4494% | 3,087 |
| Total risk-based capital ratio | 15.7042% | 2,992 |
| Memoranda: | ||
| Average total assets | $279,242,000 | 2,273 |
| Average earning assets | $263,457,000 | 2,239 |
| Average equity | $34,989,200 | 2,071 |
| Average total loans | $239,897,600 | 1,882 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0512% | 839 |
| Cost of funding earning assets | 0.7921% | 1,380 |
| Net interest margin | 4.2591% | 1,215 |
| Noninterest income to average assets | 0.3159% | 4,039 |
| Noninterest expense to average assets | 2.4071% | 3,841 |
| Loan and lease loss provision to assets | 0.4175% | 306 |
| Net operating income to assets | 1.0921% | 2,699 |
| Return on assets (ROA) | 1.0921% | 2,716 |
| Pretax return on assets | 1.5139% | 1,854 |
| Return on Equity (ROE) | 8.7518% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.9489% | 1,679 |
| Net charge-offs to loans | 0.0278% | 2,549 |
| Credit loss provision to net charge-offs | 1,715.6863% | 244 |
| Earnings coverage of net charge-offs (x) | 79.3706% | 881 |
| Efficiency ratio | 55.4822% | 4,448 |
| Assets per employee ($millions) | 5.0520% | 2,408 |
| Cash dividends to net income (ytd only)* | 9.1742% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6531% | 959 |
| Loan loss allowance to noncurrent loans | 74.7206% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 581 |
| Noncurrent loans to loans | 2.2123% | 634 |
| Net loans and leases to total assets | 84.5711% | 392 |
| Net loans and leases to deposits | 105.3488% | 468 |
| Net loans and leases to core deposits | 117.2594% | 660 |
| Total domestic deposits to total assets | 80.2772% | 4,047 |
| Equity capital to assets | 13.1713% | 1,265 |
| Core capital (leverage) ratio | 12.8740% | 1,338 |
| Tier 1 risk-based capital ratio | 13.9289% | 3,406 |
| Total risk-based capital ratio | 15.1824% | 3,317 |
| Memoranda: | ||
| Average total assets | $279,445,500 | 2,285 |
| Average earning assets | $263,932,000 | 2,245 |
| Average equity | $34,872,000 | 2,084 |
| Average total loans | $244,181,000 | 1,863 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9914% | 843 |
| Cost of funding earning assets | 0.7763% | 1,251 |
| Net interest margin | 4.2151% | 1,245 |
| Noninterest income to average assets | 0.3444% | 3,874 |
| Noninterest expense to average assets | 2.3972% | 3,906 |
| Loan and lease loss provision to assets | 0.5858% | 177 |
| Net operating income to assets | 0.9437% | 3,256 |
| Return on assets (ROA) | 0.9437% | 3,263 |
| Pretax return on assets | 1.3442% | 2,347 |
| Return on Equity (ROE) | 7.7002% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.4834% | 2,316 |
| Net charge-offs to loans | 0.0639% | 1,708 |
| Credit loss provision to net charge-offs | 1,044.3038% | 390 |
| Earnings coverage of net charge-offs (x) | 34.4051% | 1,397 |
| Efficiency ratio | 55.3988% | 4,547 |
| Assets per employee ($millions) | 4.9338% | 2,501 |
| Cash dividends to net income (ytd only)* | 15.8014% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 1,137 |
| Loan loss allowance to noncurrent loans | 64.1675% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.1434% | 476 |
| Noncurrent loans to loans | 2.4820% | 523 |
| Net loans and leases to total assets | 84.9827% | 356 |
| Net loans and leases to deposits | 106.7723% | 406 |
| Net loans and leases to core deposits | 135.3997% | 249 |
| Total domestic deposits to total assets | 79.5924% | 4,334 |
| Equity capital to assets | 12.6966% | 1,441 |
| Core capital (leverage) ratio | 12.4626% | 1,459 |
| Tier 1 risk-based capital ratio | 13.4938% | 3,620 |
| Total risk-based capital ratio | 14.7469% | 3,533 |
| Memoranda: | ||
| Average total assets | $281,658,670 | 2,270 |
| Average earning assets | $266,138,670 | 2,241 |
| Average equity | $34,518,670 | 2,104 |
| Average total loans | $247,377,000 | 1,851 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9059% | 862 |
| Cost of funding earning assets | 0.7606% | 1,137 |
| Net interest margin | 4.1453% | 1,313 |
| Noninterest income to average assets | 0.4330% | 3,220 |
| Noninterest expense to average assets | 2.2774% | 4,234 |
| Loan and lease loss provision to assets | 0.8435% | 108 |
| Net operating income to assets | 0.8238% | 3,615 |
| Return on assets (ROA) | 0.8238% | 3,626 |
| Pretax return on assets | 1.2273% | 2,655 |
| Return on Equity (ROE) | 6.8071% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.8071% | 2,364 |
| Net charge-offs to loans | 0.0461% | 1,661 |
| Credit loss provision to net charge-offs | 2,068.9655% | 183 |
| Earnings coverage of net charge-offs (x) | 50.7931% | 938 |
| Efficiency ratio | 52.3763% | 4,933 |
| Assets per employee ($millions) | 5.0262% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,645 |
| Loan loss allowance to noncurrent loans | 63.6747% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 2.0226% | 557 |
| Noncurrent loans to loans | 2.2805% | 634 |
| Net loans and leases to total assets | 87.4025% | 168 |
| Net loans and leases to deposits | 112.7617% | 196 |
| Net loans and leases to core deposits | 145.4593% | 160 |
| Total domestic deposits to total assets | 77.5108% | 4,801 |
| Equity capital to assets | 12.3062% | 1,595 |
| Core capital (leverage) ratio | 12.0275% | 1,635 |
| Tier 1 risk-based capital ratio | 12.9317% | 3,988 |
| Total risk-based capital ratio | 14.1833% | 3,877 |
| Memoranda: | ||
| Average total assets | $284,537,500 | 2,282 |
| Average earning assets | $268,740,000 | 2,234 |
| Average equity | $34,434,500 | 2,127 |
| Average total loans | $251,764,500 | 1,840 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 811 |
| Cost of funding earning assets | 0.6728% | 1,168 |
| Net interest margin | 4.2178% | 1,152 |
| Noninterest income to average assets | 0.2959% | 4,336 |
| Noninterest expense to average assets | 2.5262% | 3,692 |
| Loan and lease loss provision to assets | 0.3059% | 561 |
| Net operating income to assets | 0.9339% | 2,527 |
| Return on assets (ROA) | 0.9391% | 2,535 |
| Pretax return on assets | 1.4279% | 1,898 |
| Return on Equity (ROE) | 7.9413% | 2,824 |
| Retained earnings to average equity (ytd only) | 7.6387% | 882 |
| Net charge-offs to loans | 0.4262% | 579 |
| Credit loss provision to net charge-offs | 80.5085% | 2,934 |
| Earnings coverage of net charge-offs (x) | 4.5424% | 3,450 |
| Efficiency ratio | 59.4110% | 4,351 |
| Assets per employee ($millions) | 5.1358% | 2,328 |
| Cash dividends to net income (ytd only)* | 3.8095% | 4,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,761 |
| Loan loss allowance to noncurrent loans | 118.7865% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 1,741 |
| Noncurrent loans to loans | 1.0126% | 1,754 |
| Net loans and leases to total assets | 87.2162% | 175 |
| Net loans and leases to deposits | 110.9338% | 246 |
| Net loans and leases to core deposits | 143.3194% | 183 |
| Total domestic deposits to total assets | 78.6201% | 4,621 |
| Equity capital to assets | 11.9020% | 1,908 |
| Core capital (leverage) ratio | 11.8018% | 1,723 |
| Tier 1 risk-based capital ratio | 12.3646% | 4,286 |
| Total risk-based capital ratio | 13.5108% | 4,263 |
| Memoranda: | ||
| Average total assets | $279,510,800 | 2,292 |
| Average earning assets | $262,171,600 | 2,265 |
| Average equity | $33,055,200 | 2,166 |
| Average total loans | $249,192,200 | 1,823 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8814% | 788 |
| Cost of funding earning assets | 0.6669% | 1,138 |
| Net interest margin | 4.2145% | 1,123 |
| Noninterest income to average assets | 0.3085% | 4,318 |
| Noninterest expense to average assets | 2.3707% | 4,093 |
| Loan and lease loss provision to assets | 0.3387% | 442 |
| Net operating income to assets | 0.9134% | 2,954 |
| Return on assets (ROA) | 0.9201% | 2,988 |
| Pretax return on assets | 1.5602% | 1,544 |
| Return on Equity (ROE) | 7.7936% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.3866% | 1,500 |
| Net charge-offs to loans | 0.0839% | 1,966 |
| Credit loss provision to net charge-offs | 451.9231% | 701 |
| Earnings coverage of net charge-offs (x) | 25.1929% | 1,739 |
| Efficiency ratio | 55.6634% | 4,778 |
| Assets per employee ($millions) | 4.9873% | 2,465 |
| Cash dividends to net income (ytd only)* | 5.2219% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,395 |
| Loan loss allowance to noncurrent loans | 83.0789% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 892 |
| Noncurrent loans to loans | 1.8520% | 946 |
| Net loans and leases to total assets | 87.2982% | 182 |
| Net loans and leases to deposits | 113.9812% | 182 |
| Net loans and leases to core deposits | 144.8682% | 155 |
| Total domestic deposits to total assets | 76.5900% | 4,947 |
| Equity capital to assets | 12.0434% | 1,937 |
| Core capital (leverage) ratio | 11.4717% | 2,039 |
| Tier 1 risk-based capital ratio | 12.0289% | 4,593 |
| Total risk-based capital ratio | 13.2818% | 4,484 |
| Memoranda: | ||
| Average total assets | $277,487,000 | 2,315 |
| Average earning assets | $260,108,500 | 2,295 |
| Average equity | $32,761,250 | 2,197 |
| Average total loans | $248,017,000 | 1,835 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 803 |
| Cost of funding earning assets | 0.6573% | 1,106 |
| Net interest margin | 4.1731% | 1,137 |
| Noninterest income to average assets | 0.3171% | 4,276 |
| Noninterest expense to average assets | 2.4479% | 3,922 |
| Loan and lease loss provision to assets | 0.2203% | 802 |
| Net operating income to assets | 1.0062% | 2,396 |
| Return on assets (ROA) | 1.0062% | 2,439 |
| Pretax return on assets | 1.5515% | 1,491 |
| Return on Equity (ROE) | 8.5803% | 2,737 |
| Retained earnings to average equity (ytd only) | 7.9644% | 1,180 |
| Net charge-offs to loans | 0.1419% | 1,307 |
| Credit loss provision to net charge-offs | 173.2955% | 1,387 |
| Earnings coverage of net charge-offs (x) | 13.9375% | 2,105 |
| Efficiency ratio | 58.0110% | 4,587 |
| Assets per employee ($millions) | 5.3044% | 2,052 |
| Cash dividends to net income (ytd only)* | 7.1788% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 2,103 |
| Loan loss allowance to noncurrent loans | 71.2784% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.6967% | 848 |
| Noncurrent loans to loans | 1.9113% | 905 |
| Net loans and leases to total assets | 87.3036% | 182 |
| Net loans and leases to deposits | 113.7634% | 200 |
| Net loans and leases to core deposits | 145.6565% | 149 |
| Total domestic deposits to total assets | 76.7413% | 4,994 |
| Equity capital to assets | 11.7919% | 2,079 |
| Core capital (leverage) ratio | 11.5788% | 1,917 |
| Tier 1 risk-based capital ratio | 11.9493% | 4,663 |
| Total risk-based capital ratio | 13.1995% | 4,555 |
| Memoranda: | ||
| Average total assets | $276,885,670 | 2,330 |
| Average earning assets | $258,941,330 | 2,308 |
| Average equity | $32,469,670 | 2,206 |
| Average total loans | $248,147,330 | 1,839 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8151% | 722 |
| Cost of funding earning assets | 0.6421% | 1,117 |
| Net interest margin | 4.1730% | 1,042 |
| Noninterest income to average assets | 0.3625% | 3,940 |
| Noninterest expense to average assets | 2.5011% | 3,800 |
| Loan and lease loss provision to assets | 0.1820% | 946 |
| Net operating income to assets | 1.1020% | 1,859 |
| Return on assets (ROA) | 1.1020% | 1,901 |
| Pretax return on assets | 1.5679% | 1,316 |
| Return on Equity (ROE) | 9.4245% | 2,214 |
| Retained earnings to average equity (ytd only) | 9.4245% | 938 |
| Net charge-offs to loans | 0.2567% | 707 |
| Credit loss provision to net charge-offs | 78.6164% | 1,764 |
| Earnings coverage of net charge-offs (x) | 7.5597% | 2,125 |
| Efficiency ratio | 58.8356% | 4,610 |
| Assets per employee ($millions) | 5.0988% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,414 |
| Loan loss allowance to noncurrent loans | 73.1083% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 941 |
| Noncurrent loans to loans | 1.8131% | 1,033 |
| Net loans and leases to total assets | 88.8926% | 88 |
| Net loans and leases to deposits | 115.7002% | 125 |
| Net loans and leases to core deposits | 129.4688% | 268 |
| Total domestic deposits to total assets | 76.8302% | 5,137 |
| Equity capital to assets | 12.0325% | 1,809 |
| Core capital (leverage) ratio | 11.8406% | 1,726 |
| Tier 1 risk-based capital ratio | 11.8210% | 4,837 |
| Total risk-based capital ratio | 13.0276% | 4,773 |
| Memoranda: | ||
| Average total assets | $274,761,500 | 2,364 |
| Average earning assets | $256,026,500 | 2,344 |
| Average equity | $32,129,000 | 2,230 |
| Average total loans | $247,806,000 | 1,846 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 880 |
| Cost of funding earning assets | 0.7677% | 586 |
| Net interest margin | 4.0370% | 1,536 |
| Noninterest income to average assets | 0.3076% | 4,536 |
| Noninterest expense to average assets | 2.1920% | 4,789 |
| Loan and lease loss provision to assets | 0.4486% | 318 |
| Net operating income to assets | 0.8399% | 3,114 |
| Return on assets (ROA) | 0.9627% | 2,631 |
| Pretax return on assets | 1.6466% | 1,152 |
| Return on Equity (ROE) | 8.6274% | 2,600 |
| Retained earnings to average equity (ytd only) | 7.5197% | 1,030 |
| Net charge-offs to loans | 0.2180% | 1,271 |
| Credit loss provision to net charge-offs | 230.2239% | 1,254 |
| Earnings coverage of net charge-offs (x) | 9.7668% | 2,722 |
| Efficiency ratio | 53.5245% | 5,281 |
| Assets per employee ($millions) | 5.1720% | 2,213 |
| Cash dividends to net income (ytd only)* | 12.8399% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,586 |
| Loan loss allowance to noncurrent loans | 48.4835% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 2.4161% | 509 |
| Noncurrent loans to loans | 2.6673% | 567 |
| Net loans and leases to total assets | 89.1213% | 91 |
| Net loans and leases to deposits | 119.0352% | 100 |
| Net loans and leases to core deposits | 159.5739% | 84 |
| Total domestic deposits to total assets | 74.8697% | 5,365 |
| Equity capital to assets | 11.3653% | 2,273 |
| Core capital (leverage) ratio | 11.1489% | 2,208 |
| Tier 1 risk-based capital ratio | 11.1406% | 5,261 |
| Total risk-based capital ratio | 12.3311% | 5,192 |
| Memoranda: | ||
| Average total assets | $275,049,000 | 2,319 |
| Average earning assets | $258,060,000 | 2,294 |
| Average equity | $30,692,800 | 2,310 |
| Average total loans | $245,878,400 | 1,816 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,068 |
| Cost of funding earning assets | 0.7791% | 555 |
| Net interest margin | 3.9190% | 1,912 |
| Noninterest income to average assets | 0.3964% | 3,947 |
| Noninterest expense to average assets | 2.2239% | 4,707 |
| Loan and lease loss provision to assets | 0.5273% | 230 |
| Net operating income to assets | 0.7608% | 3,559 |
| Return on assets (ROA) | 0.9252% | 2,909 |
| Pretax return on assets | 1.5969% | 1,386 |
| Return on Equity (ROE) | 8.3280% | 2,840 |
| Retained earnings to average equity (ytd only) | 6.8393% | 1,704 |
| Net charge-offs to loans | 0.1277% | 1,681 |
| Credit loss provision to net charge-offs | 463.2479% | 754 |
| Earnings coverage of net charge-offs (x) | 16.4061% | 2,112 |
| Efficiency ratio | 54.3574% | 5,214 |
| Assets per employee ($millions) | 4.9970% | 2,370 |
| Cash dividends to net income (ytd only)* | 17.8758% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,583 |
| Loan loss allowance to noncurrent loans | 80.4194% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 1,164 |
| Noncurrent loans to loans | 1.6386% | 1,308 |
| Net loans and leases to total assets | 91.3387% | 38 |
| Net loans and leases to deposits | 128.2505% | 50 |
| Net loans and leases to core deposits | 168.3482% | 68 |
| Total domestic deposits to total assets | 71.2190% | 5,632 |
| Equity capital to assets | 11.1132% | 2,905 |
| Core capital (leverage) ratio | 10.7398% | 2,740 |
| Tier 1 risk-based capital ratio | 10.8866% | 5,433 |
| Total risk-based capital ratio | 12.1202% | 5,352 |
| Memoranda: | ||
| Average total assets | $274,103,750 | 2,337 |
| Average earning assets | $258,426,750 | 2,299 |
| Average equity | $30,450,750 | 2,336 |
| Average total loans | $244,306,500 | 1,827 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,050 |
| Cost of funding earning assets | 0.7836% | 534 |
| Net interest margin | 3.9151% | 1,929 |
| Noninterest income to average assets | 0.4254% | 3,690 |
| Noninterest expense to average assets | 2.2337% | 4,770 |
| Loan and lease loss provision to assets | 0.4732% | 285 |
| Net operating income to assets | 0.8780% | 2,973 |
| Return on assets (ROA) | 0.8780% | 3,087 |
| Pretax return on assets | 1.4115% | 1,980 |
| Return on Equity (ROE) | 7.9047% | 3,029 |
| Retained earnings to average equity (ytd only) | 5.6557% | 2,333 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2373% | 5,291 |
| Assets per employee ($millions) | 5.0865% | 2,213 |
| Cash dividends to net income (ytd only)* | 28.4519% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,951 |
| Loan loss allowance to noncurrent loans | 500.3120% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 4,598 |
| Noncurrent loans to loans | 0.2540% | 4,442 |
| Net loans and leases to total assets | 87.4829% | 173 |
| Net loans and leases to deposits | 125.8136% | 62 |
| Net loans and leases to core deposits | 162.2293% | 85 |
| Total domestic deposits to total assets | 69.5337% | 5,799 |
| Equity capital to assets | 10.8000% | 3,282 |
| Core capital (leverage) ratio | 10.6253% | 2,823 |
| Tier 1 risk-based capital ratio | 10.7917% | 5,530 |
| Total risk-based capital ratio | 11.9684% | 5,491 |
| Memoranda: | ||
| Average total assets | $272,195,000 | 2,361 |
| Average earning assets | $256,752,000 | 2,321 |
| Average equity | $30,235,000 | 2,352 |
| Average total loans | $239,406,670 | 1,861 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,075 |
| Cost of funding earning assets | 0.7840% | 534 |
| Net interest margin | 3.9026% | 1,927 |
| Noninterest income to average assets | 0.4754% | 3,309 |
| Noninterest expense to average assets | 2.3229% | 4,599 |
| Loan and lease loss provision to assets | 0.1158% | 1,810 |
| Net operating income to assets | 1.2247% | 1,478 |
| Return on assets (ROA) | 1.2247% | 1,586 |
| Pretax return on assets | 1.7136% | 1,040 |
| Return on Equity (ROE) | 10.8638% | 1,643 |
| Retained earnings to average equity (ytd only) | 6.3261% | 2,220 |
| Net charge-offs to loans | 0.0052% | 2,937 |
| Credit loss provision to net charge-offs | 2,566.6667% | 164 |
| Earnings coverage of net charge-offs (x) | 405.3333% | 149 |
| Efficiency ratio | 55.9420% | 5,195 |
| Assets per employee ($millions) | 5.3536% | 1,979 |
| Cash dividends to net income (ytd only)* | 41.7690% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,976 |
| Loan loss allowance to noncurrent loans | 405.6923% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2428% | 4,587 |
| Noncurrent loans to loans | 0.2745% | 4,452 |
| Net loans and leases to total assets | 87.4932% | 146 |
| Net loans and leases to deposits | 118.6381% | 104 |
| Net loans and leases to core deposits | 150.0945% | 106 |
| Total domestic deposits to total assets | 73.7479% | 5,629 |
| Equity capital to assets | 11.2916% | 2,636 |
| Core capital (leverage) ratio | 11.2379% | 2,194 |
| Tier 1 risk-based capital ratio | 11.7135% | 5,103 |
| Total risk-based capital ratio | 12.7599% | 5,131 |
| Memoranda: | ||
| Average total assets | $265,871,000 | 2,424 |
| Average earning assets | $250,500,000 | 2,381 |
| Average equity | $29,971,000 | 2,371 |
| Average total loans | $232,912,000 | 1,895 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,300 |
| Cost of funding earning assets | 0.7588% | 611 |
| Net interest margin | 3.8550% | 2,183 |
| Noninterest income to average assets | 0.2888% | 4,823 |
| Noninterest expense to average assets | 2.3524% | 4,641 |
| Loan and lease loss provision to assets | 0.1363% | 1,742 |
| Net operating income to assets | 0.9013% | 2,863 |
| Return on assets (ROA) | 0.9261% | 2,813 |
| Pretax return on assets | 1.4962% | 1,565 |
| Return on Equity (ROE) | 8.2131% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.2131% | 849 |
| Net charge-offs to loans | -0.0024% | 4,890 |
| Credit loss provision to net charge-offs | -6,900.0000% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6115% | 4,960 |
| Assets per employee ($millions) | 5.2813% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,930 |
| Loan loss allowance to noncurrent loans | 365.0997% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2658% | 4,529 |
| Noncurrent loans to loans | 0.3066% | 4,360 |
| Net loans and leases to total assets | 85.7459% | 248 |
| Net loans and leases to deposits | 113.2171% | 178 |
| Net loans and leases to core deposits | 141.5761% | 148 |
| Total domestic deposits to total assets | 75.7358% | 5,474 |
| Equity capital to assets | 11.2537% | 2,582 |
| Core capital (leverage) ratio | 11.4430% | 2,005 |
| Tier 1 risk-based capital ratio | 11.4104% | 5,308 |
| Total risk-based capital ratio | 12.4114% | 5,340 |
| Memoranda: | ||
| Average total assets | $253,103,000 | 2,482 |
| Average earning assets | $240,127,800 | 2,424 |
| Average equity | $28,539,800 | 2,420 |
| Average total loans | $210,361,400 | 1,992 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 1,421 |
| Cost of funding earning assets | 0.7543% | 633 |
| Net interest margin | 3.8124% | 2,338 |
| Noninterest income to average assets | 0.3062% | 4,750 |
| Noninterest expense to average assets | 2.2894% | 4,806 |
| Loan and lease loss provision to assets | 0.1305% | 1,728 |
| Net operating income to assets | 0.9294% | 2,809 |
| Return on assets (ROA) | 0.9628% | 2,744 |
| Pretax return on assets | 1.5694% | 1,480 |
| Return on Equity (ROE) | 8.5345% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.5345% | 1,047 |
| Net charge-offs to loans | -0.0032% | 4,759 |
| Credit loss provision to net charge-offs | -4,900.0000% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1496% | 5,104 |
| Assets per employee ($millions) | 4.8458% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 4,059 |
| Loan loss allowance to noncurrent loans | 272.6467% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 4,340 |
| Noncurrent loans to loans | 0.4142% | 4,121 |
| Net loans and leases to total assets | 85.5388% | 257 |
| Net loans and leases to deposits | 110.4499% | 244 |
| Net loans and leases to core deposits | 137.7921% | 190 |
| Total domestic deposits to total assets | 77.4458% | 5,274 |
| Equity capital to assets | 11.5753% | 2,437 |
| Core capital (leverage) ratio | 11.4414% | 2,087 |
| Tier 1 risk-based capital ratio | 11.6278% | 5,308 |
| Total risk-based capital ratio | 12.6262% | 5,356 |
| Memoranda: | ||
| Average total assets | $250,362,750 | 2,528 |
| Average earning assets | $238,442,750 | 2,457 |
| Average equity | $28,245,500 | 2,456 |
| Average total loans | $205,705,000 | 2,038 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 1,695 |
| Cost of funding earning assets | 0.7455% | 664 |
| Net interest margin | 3.7033% | 2,695 |
| Noninterest income to average assets | 0.3354% | 4,560 |
| Noninterest expense to average assets | 2.2256% | 5,037 |
| Loan and lease loss provision to assets | 0.1361% | 1,608 |
| Net operating income to assets | 0.9112% | 2,812 |
| Return on assets (ROA) | 0.9471% | 2,767 |
| Pretax return on assets | 1.5611% | 1,449 |
| Return on Equity (ROE) | 8.4688% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.4688% | 1,090 |
| Net charge-offs to loans | -0.0040% | 4,691 |
| Credit loss provision to net charge-offs | -4,250.0000% | 5,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5569% | 5,273 |
| Assets per employee ($millions) | 5.2730% | 1,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 4,308 |
| Loan loss allowance to noncurrent loans | 589.1358% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 5,234 |
| Noncurrent loans to loans | 0.1872% | 5,030 |
| Net loans and leases to total assets | 84.5554% | 333 |
| Net loans and leases to deposits | 112.8237% | 205 |
| Net loans and leases to core deposits | 136.6797% | 196 |
| Total domestic deposits to total assets | 74.9447% | 5,710 |
| Equity capital to assets | 11.2408% | 2,631 |
| Core capital (leverage) ratio | 11.2604% | 2,202 |
| Tier 1 risk-based capital ratio | 11.6673% | 5,357 |
| Total risk-based capital ratio | 12.6598% | 5,449 |
| Memoranda: | ||
| Average total assets | $249,822,330 | 2,553 |
| Average earning assets | $238,221,670 | 2,477 |
| Average equity | $27,938,000 | 2,489 |
| Average total loans | $201,604,670 | 2,073 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 1,954 |
| Cost of funding earning assets | 0.7444% | 681 |
| Net interest margin | 3.6018% | 2,992 |
| Noninterest income to average assets | 0.3933% | 4,057 |
| Noninterest expense to average assets | 2.1662% | 5,237 |
| Loan and lease loss provision to assets | 0.1934% | 967 |
| Net operating income to assets | 0.8641% | 2,940 |
| Return on assets (ROA) | 0.8703% | 3,019 |
| Pretax return on assets | 1.4747% | 1,646 |
| Return on Equity (ROE) | 7.8030% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.8030% | 1,641 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6372% | 5,471 |
| Assets per employee ($millions) | 5.2021% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 4,189 |
| Loan loss allowance to noncurrent loans | 601.0309% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 5,332 |
| Noncurrent loans to loans | 0.1934% | 5,089 |
| Net loans and leases to total assets | 79.4248% | 749 |
| Net loans and leases to deposits | 102.3133% | 442 |
| Net loans and leases to core deposits | 121.1029% | 384 |
| Total domestic deposits to total assets | 77.6291% | 5,513 |
| Equity capital to assets | 11.2503% | 2,697 |
| Core capital (leverage) ratio | 11.0590% | 2,357 |
| Tier 1 risk-based capital ratio | 11.8220% | 5,359 |
| Total risk-based capital ratio | 12.8280% | 5,425 |
| Memoranda: | ||
| Average total assets | $248,181,500 | 2,572 |
| Average earning assets | $236,435,500 | 2,504 |
| Average equity | $27,681,500 | 2,524 |
| Average total loans | $194,207,500 | 2,134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 1,819 |
| Cost of funding earning assets | 0.8237% | 571 |
| Net interest margin | 3.6890% | 3,048 |
| Noninterest income to average assets | 0.4139% | 4,085 |
| Noninterest expense to average assets | 2.4051% | 4,832 |
| Loan and lease loss provision to assets | -0.1306% | 6,198 |
| Net operating income to assets | 1.1024% | 1,964 |
| Return on assets (ROA) | 1.1054% | 2,012 |
| Pretax return on assets | 1.6351% | 1,138 |
| Return on Equity (ROE) | 10.3218% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.1031% | 502 |
| Net charge-offs to loans | -0.1710% | 6,234 |
| Credit loss provision to net charge-offs | 103.0822% | 2,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5863% | 4,974 |
| Assets per employee ($millions) | 5.1388% | 2,136 |
| Cash dividends to net income (ytd only)* | 2.1193% | 4,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 4,130 |
| Loan loss allowance to noncurrent loans | 695.5975% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 5,515 |
| Noncurrent loans to loans | 0.1694% | 5,221 |
| Net loans and leases to total assets | 75.2230% | 1,377 |
| Net loans and leases to deposits | 93.6709% | 1,110 |
| Net loans and leases to core deposits | 109.9576% | 776 |
| Total domestic deposits to total assets | 80.3056% | 4,938 |
| Equity capital to assets | 11.0559% | 2,843 |
| Core capital (leverage) ratio | 11.0202% | 2,394 |
| Tier 1 risk-based capital ratio | 13.1159% | 4,643 |
| Total risk-based capital ratio | 14.2007% | 4,668 |
| Memoranda: | ||
| Average total assets | $230,507,200 | 2,693 |
| Average earning assets | $218,161,400 | 2,639 |
| Average equity | $24,685,600 | 2,698 |
| Average total loans | $170,749,800 | 2,316 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,912 |
| Cost of funding earning assets | 0.8374% | 569 |
| Net interest margin | 3.6515% | 3,216 |
| Noninterest income to average assets | 0.4775% | 3,705 |
| Noninterest expense to average assets | 2.2225% | 5,308 |
| Loan and lease loss provision to assets | -0.1772% | 6,366 |
| Net operating income to assets | 1.2616% | 1,492 |
| Return on assets (ROA) | 1.2652% | 1,534 |
| Pretax return on assets | 1.8904% | 735 |
| Return on Equity (ROE) | 11.9191% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.6196% | 444 |
| Net charge-offs to loans | -0.2450% | 6,348 |
| Credit loss provision to net charge-offs | 98.3660% | 2,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5458% | 5,605 |
| Assets per employee ($millions) | 4.8857% | 2,394 |
| Cash dividends to net income (ytd only)* | 2.5129% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 3,758 |
| Loan loss allowance to noncurrent loans | 1,171.5789% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,848 |
| Noncurrent loans to loans | 0.1092% | 5,607 |
| Net loans and leases to total assets | 71.7548% | 1,894 |
| Net loans and leases to deposits | 90.4873% | 1,376 |
| Net loans and leases to core deposits | 106.0612% | 957 |
| Total domestic deposits to total assets | 79.2982% | 5,265 |
| Equity capital to assets | 11.1905% | 2,771 |
| Core capital (leverage) ratio | 11.0566% | 2,429 |
| Tier 1 risk-based capital ratio | 13.7232% | 4,406 |
| Total risk-based capital ratio | 14.8829% | 4,394 |
| Memoranda: | ||
| Average total assets | $226,468,000 | 2,747 |
| Average earning assets | $214,153,500 | 2,684 |
| Average equity | $24,039,250 | 2,758 |
| Average total loans | $166,497,250 | 2,371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 1,951 |
| Cost of funding earning assets | 0.8435% | 576 |
| Net interest margin | 3.6184% | 3,288 |
| Noninterest income to average assets | 0.3250% | 4,812 |
| Noninterest expense to average assets | 2.2110% | 5,387 |
| Loan and lease loss provision to assets | 0.0720% | 2,833 |
| Net operating income to assets | 0.9144% | 2,734 |
| Return on assets (ROA) | 0.9156% | 2,831 |
| Pretax return on assets | 1.4575% | 1,683 |
| Return on Equity (ROE) | 8.7967% | 2,697 |
| Retained earnings to average equity (ytd only) | 8.3296% | 1,197 |
| Net charge-offs to loans | -0.0049% | 5,172 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1380% | 5,408 |
| Assets per employee ($millions) | 5.0179% | 2,194 |
| Cash dividends to net income (ytd only)* | 5.3097% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 3,759 |
| Loan loss allowance to noncurrent loans | 668.1159% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 5,718 |
| Noncurrent loans to loans | 0.1973% | 5,427 |
| Net loans and leases to total assets | 71.6398% | 1,807 |
| Net loans and leases to deposits | 90.7781% | 1,293 |
| Net loans and leases to core deposits | 109.9107% | 700 |
| Total domestic deposits to total assets | 78.9175% | 5,476 |
| Equity capital to assets | 10.6203% | 3,285 |
| Core capital (leverage) ratio | 10.4152% | 3,066 |
| Tier 1 risk-based capital ratio | 13.0195% | 4,895 |
| Total risk-based capital ratio | 14.2099% | 4,872 |
| Memoranda: | ||
| Average total assets | $222,157,330 | 2,793 |
| Average earning assets | $209,597,670 | 2,744 |
| Average equity | $23,122,330 | 2,836 |
| Average total loans | $163,994,000 | 2,406 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2844% | 2,579 |
| Cost of funding earning assets | 0.8529% | 576 |
| Net interest margin | 3.4315% | 3,979 |
| Noninterest income to average assets | 0.2707% | 5,204 |
| Noninterest expense to average assets | 2.1184% | 5,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9379% | 2,466 |
| Return on assets (ROA) | 0.9379% | 2,541 |
| Pretax return on assets | 1.3891% | 1,791 |
| Return on Equity (ROE) | 9.1169% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.1303% | 1,553 |
| Net charge-offs to loans | -0.0076% | 4,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3966% | 5,350 |
| Assets per employee ($millions) | 4.9240% | 2,345 |
| Cash dividends to net income (ytd only)* | 10.8216% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 3,893 |
| Loan loss allowance to noncurrent loans | 1,381.9876% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 6,065 |
| Noncurrent loans to loans | 0.0971% | 5,835 |
| Net loans and leases to total assets | 69.2072% | 2,030 |
| Net loans and leases to deposits | 84.0129% | 1,819 |
| Net loans and leases to core deposits | 99.1646% | 1,159 |
| Total domestic deposits to total assets | 82.3769% | 4,824 |
| Equity capital to assets | 10.4563% | 3,289 |
| Core capital (leverage) ratio | 12.1866% | 1,546 |
| Tier 1 risk-based capital ratio | 13.6368% | 4,591 |
| Total risk-based capital ratio | 14.8657% | 4,552 |
| Memoranda: | ||
| Average total assets | $212,806,500 | 2,892 |
| Average earning assets | $200,729,000 | 2,843 |
| Average equity | $21,893,500 | 2,955 |
| Average total loans | $158,563,000 | 2,476 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7858% | 1,351 |
| Cost of funding earning assets | 1.0651% | 332 |
| Net interest margin | 3.7207% | 2,974 |
| Noninterest income to average assets | 0.2987% | 5,213 |
| Noninterest expense to average assets | 2.1292% | 5,772 |
| Loan and lease loss provision to assets | 0.2715% | 1,300 |
| Net operating income to assets | 0.8548% | 3,006 |
| Return on assets (ROA) | 0.8618% | 3,047 |
| Pretax return on assets | 1.3934% | 1,800 |
| Return on Equity (ROE) | 8.4837% | 2,789 |
| Retained earnings to average equity (ytd only) | 7.7620% | 1,133 |
| Net charge-offs to loans | 0.0316% | 4,799 |
| Credit loss provision to net charge-offs | 1,063.8298% | 240 |
| Earnings coverage of net charge-offs (x) | 64.8085% | 647 |
| Efficiency ratio | 56.2796% | 5,920 |
| Assets per employee ($millions) | 4.7315% | 2,537 |
| Cash dividends to net income (ytd only)* | 8.5066% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 3,342 |
| Loan loss allowance to noncurrent loans | 1,657.4627% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,136 |
| Noncurrent loans to loans | 0.0885% | 5,951 |
| Net loans and leases to total assets | 78.7841% | 736 |
| Net loans and leases to deposits | 97.2179% | 648 |
| Net loans and leases to core deposits | 118.4133% | 362 |
| Total domestic deposits to total assets | 81.0387% | 5,165 |
| Equity capital to assets | 10.0777% | 3,660 |
| Core capital (leverage) ratio | 10.0968% | 3,436 |
| Tier 1 risk-based capital ratio | 11.7821% | 5,758 |
| Total risk-based capital ratio | 13.0230% | 5,689 |
| Memoranda: | ||
| Average total assets | $184,153,200 | 3,231 |
| Average earning assets | $172,467,200 | 3,182 |
| Average equity | $18,706,400 | 3,312 |
| Average total loans | $148,546,600 | 2,578 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,361 |
| Cost of funding earning assets | 1.0856% | 334 |
| Net interest margin | 3.7069% | 3,004 |
| Noninterest income to average assets | 0.3011% | 5,293 |
| Noninterest expense to average assets | 2.0917% | 5,849 |
| Loan and lease loss provision to assets | 0.3645% | 870 |
| Net operating income to assets | 0.8273% | 3,213 |
| Return on assets (ROA) | 0.8348% | 3,294 |
| Pretax return on assets | 1.3269% | 2,224 |
| Return on Equity (ROE) | 8.2012% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.4491% | 1,671 |
| Net charge-offs to loans | 0.0433% | 4,292 |
| Credit loss provision to net charge-offs | 1,041.6667% | 297 |
| Earnings coverage of net charge-offs (x) | 47.9988% | 890 |
| Efficiency ratio | 55.4610% | 5,978 |
| Assets per employee ($millions) | 4.7491% | 2,508 |
| Cash dividends to net income (ytd only)* | 9.1705% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4775% | 3,551 |
| Loan loss allowance to noncurrent loans | 4,723.4043% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,405 |
| Noncurrent loans to loans | 0.0313% | 6,250 |
| Net loans and leases to total assets | 77.9248% | 752 |
| Net loans and leases to deposits | 96.5692% | 651 |
| Net loans and leases to core deposits | 119.1160% | 341 |
| Total domestic deposits to total assets | 80.6932% | 5,306 |
| Equity capital to assets | 9.9261% | 4,013 |
| Core capital (leverage) ratio | 10.0581% | 3,587 |
| Tier 1 risk-based capital ratio | 11.6710% | 5,968 |
| Total risk-based capital ratio | 12.9205% | 5,925 |
| Memoranda: | ||
| Average total assets | $182,876,750 | 3,274 |
| Average earning assets | $171,209,000 | 3,228 |
| Average equity | $18,614,750 | 3,359 |
| Average total loans | $147,851,500 | 2,600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8507% | 1,216 |
| Cost of funding earning assets | 1.1025% | 336 |
| Net interest margin | 3.7482% | 2,768 |
| Noninterest income to average assets | 0.3401% | 4,959 |
| Noninterest expense to average assets | 2.2392% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0670% | 2,049 |
| Return on assets (ROA) | 1.0670% | 2,168 |
| Pretax return on assets | 1.6154% | 1,320 |
| Return on Equity (ROE) | 10.3915% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.2585% | 1,044 |
| Net charge-offs to loans | 0.0666% | 3,756 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 29.7551% | 1,153 |
| Efficiency ratio | 58.0914% | 5,721 |
| Assets per employee ($millions) | 4.6957% | 2,518 |
| Cash dividends to net income (ytd only)* | 10.9034% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1557% | 5,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 80.2830% | 512 |
| Net loans and leases to deposits | 100.2954% | 410 |
| Net loans and leases to core deposits | 124.6877% | 244 |
| Total domestic deposits to total assets | 80.0465% | 5,592 |
| Equity capital to assets | 10.1643% | 3,709 |
| Core capital (leverage) ratio | 10.1807% | 3,260 |
| Tier 1 risk-based capital ratio | 11.7301% | 5,972 |
| Total risk-based capital ratio | 12.8083% | 6,039 |
| Memoranda: | ||
| Average total assets | $180,514,330 | 3,304 |
| Average earning assets | $169,254,330 | 3,266 |
| Average equity | $18,534,330 | 3,395 |
| Average total loans | $147,052,330 | 2,620 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8842% | 1,125 |
| Cost of funding earning assets | 1.1190% | 342 |
| Net interest margin | 3.7652% | 2,590 |
| Noninterest income to average assets | 0.3839% | 4,588 |
| Noninterest expense to average assets | 2.2343% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1897% | 1,554 |
| Return on assets (ROA) | 1.1897% | 1,666 |
| Pretax return on assets | 1.6718% | 1,150 |
| Return on Equity (ROE) | 11.5278% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.2568% | 1,301 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2000% | 5,934 |
| Assets per employee ($millions) | 4.7864% | 2,511 |
| Cash dividends to net income (ytd only)* | 19.6998% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,029 |
| Loan loss allowance to noncurrent loans | 384.3478% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 5,818 |
| Noncurrent loans to loans | 0.3211% | 5,593 |
| Net loans and leases to total assets | 77.8021% | 635 |
| Net loans and leases to deposits | 97.5655% | 468 |
| Net loans and leases to core deposits | 115.9635% | 356 |
| Total domestic deposits to total assets | 79.7435% | 5,812 |
| Equity capital to assets | 10.2874% | 3,812 |
| Core capital (leverage) ratio | 9.9891% | 3,396 |
| Tier 1 risk-based capital ratio | 11.7867% | 6,036 |
| Total risk-based capital ratio | 12.9271% | 6,073 |
| Memoranda: | ||
| Average total assets | $179,206,000 | 3,355 |
| Average earning assets | $167,642,500 | 3,311 |
| Average equity | $18,494,500 | 3,452 |
| Average total loans | $146,207,500 | 2,639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 927 |
| Cost of funding earning assets | 1.2090% | 552 |
| Net interest margin | 4.0925% | 2,034 |
| Noninterest income to average assets | 0.3061% | 5,255 |
| Noninterest expense to average assets | 2.5152% | 5,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0668% | 2,061 |
| Return on assets (ROA) | 1.0668% | 2,249 |
| Pretax return on assets | 1.6154% | 1,341 |
| Return on Equity (ROE) | 10.2578% | 2,069 |
| Retained earnings to average equity (ytd only) | 9.6578% | 666 |
| Net charge-offs to loans | -0.0468% | 6,693 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8921% | 5,405 |
| Assets per employee ($millions) | 4.6455% | 2,708 |
| Cash dividends to net income (ytd only)* | 5.8496% | 4,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 5,181 |
| Loan loss allowance to noncurrent loans | 4,778.3784% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 6,615 |
| Noncurrent loans to loans | 0.0248% | 6,462 |
| Net loans and leases to total assets | 83.4821% | 250 |
| Net loans and leases to deposits | 105.0040% | 239 |
| Net loans and leases to core deposits | 123.0214% | 248 |
| Total domestic deposits to total assets | 79.5038% | 5,784 |
| Equity capital to assets | 10.3540% | 3,690 |
| Core capital (leverage) ratio | 10.4007% | 2,883 |
| Tier 1 risk-based capital ratio | 11.2034% | 6,272 |
| Total risk-based capital ratio | 12.3181% | 6,287 |
| Memoranda: | ||
| Average total assets | $168,255,400 | 3,482 |
| Average earning assets | $157,239,600 | 3,413 |
| Average equity | $17,498,800 | 3,535 |
| Average total loans | $143,225,400 | 2,680 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 951 |
| Cost of funding earning assets | 1.2255% | 618 |
| Net interest margin | 4.1088% | 2,059 |
| Noninterest income to average assets | 0.3225% | 5,204 |
| Noninterest expense to average assets | 2.3555% | 5,529 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1641% | 1,852 |
| Return on assets (ROA) | 1.1641% | 2,048 |
| Pretax return on assets | 1.8188% | 996 |
| Return on Equity (ROE) | 11.1802% | 1,896 |
| Retained earnings to average equity (ytd only) | 10.3711% | 820 |
| Net charge-offs to loans | -0.0649% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4290% | 6,000 |
| Assets per employee ($millions) | 4.4039% | 3,066 |
| Cash dividends to net income (ytd only)* | 7.2366% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 5,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 85.8691% | 151 |
| Net loans and leases to deposits | 110.4729% | 149 |
| Net loans and leases to core deposits | 130.7157% | 184 |
| Total domestic deposits to total assets | 77.7286% | 6,129 |
| Equity capital to assets | 10.7249% | 3,583 |
| Core capital (leverage) ratio | 10.4357% | 2,991 |
| Tier 1 risk-based capital ratio | 11.3809% | 6,309 |
| Total risk-based capital ratio | 12.5371% | 6,329 |
| Memoranda: | ||
| Average total assets | $166,186,750 | 3,549 |
| Average earning assets | $155,791,250 | 3,490 |
| Average equity | $17,304,000 | 3,610 |
| Average total loans | $141,747,000 | 2,732 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3285% | 993 |
| Cost of funding earning assets | 1.2317% | 709 |
| Net interest margin | 4.0968% | 2,106 |
| Noninterest income to average assets | 0.3824% | 4,777 |
| Noninterest expense to average assets | 2.2606% | 5,843 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2871% | 1,472 |
| Return on assets (ROA) | 1.2871% | 1,630 |
| Pretax return on assets | 1.9614% | 740 |
| Return on Equity (ROE) | 12.4873% | 1,507 |
| Retained earnings to average equity (ytd only) | 11.2585% | 699 |
| Net charge-offs to loans | -0.0939% | 6,847 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5429% | 6,360 |
| Assets per employee ($millions) | 4.3382% | 3,190 |
| Cash dividends to net income (ytd only)* | 9.8407% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 5,135 |
| Loan loss allowance to noncurrent loans | 715.3846% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 6,411 |
| Noncurrent loans to loans | 0.1742% | 6,237 |
| Net loans and leases to total assets | 84.9360% | 179 |
| Net loans and leases to deposits | 108.3916% | 174 |
| Net loans and leases to core deposits | 125.9384% | 247 |
| Total domestic deposits to total assets | 78.3603% | 6,090 |
| Equity capital to assets | 10.6485% | 3,514 |
| Core capital (leverage) ratio | 10.2927% | 3,058 |
| Tier 1 risk-based capital ratio | 11.4673% | 6,233 |
| Total risk-based capital ratio | 12.6565% | 6,248 |
| Memoranda: | ||
| Average total assets | $165,799,330 | 3,569 |
| Average earning assets | $155,390,000 | 3,505 |
| Average equity | $17,089,330 | 3,627 |
| Average total loans | $140,505,670 | 2,761 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3166% | 1,063 |
| Cost of funding earning assets | 1.2540% | 765 |
| Net interest margin | 4.0626% | 2,243 |
| Noninterest income to average assets | 0.4547% | 4,265 |
| Noninterest expense to average assets | 2.2349% | 5,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5300% | 976 |
| Return on assets (ROA) | 1.5300% | 1,095 |
| Pretax return on assets | 2.0232% | 706 |
| Return on Equity (ROE) | 15.0917% | 956 |
| Retained earnings to average equity (ytd only) | 12.6001% | 741 |
| Net charge-offs to loans | -0.1745% | 6,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4859% | 6,496 |
| Assets per employee ($millions) | 4.3706% | 3,255 |
| Cash dividends to net income (ytd only)* | 16.5094% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,124 |
| Loan loss allowance to noncurrent loans | 7,048.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 6,883 |
| Noncurrent loans to loans | 0.0181% | 6,736 |
| Net loans and leases to total assets | 82.0179% | 277 |
| Net loans and leases to deposits | 104.0428% | 251 |
| Net loans and leases to core deposits | 120.9592% | 296 |
| Total domestic deposits to total assets | 78.8309% | 6,116 |
| Equity capital to assets | 10.2973% | 3,730 |
| Core capital (leverage) ratio | 9.8175% | 3,616 |
| Tier 1 risk-based capital ratio | 11.3288% | 6,372 |
| Total risk-based capital ratio | 12.5307% | 6,379 |
| Memoranda: | ||
| Average total assets | $166,274,000 | 3,579 |
| Average earning assets | $155,662,500 | 3,517 |
| Average equity | $16,857,000 | 3,671 |
| Average total loans | $139,866,500 | 2,787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2952% | 1,718 |
| Cost of funding earning assets | 1.3108% | 1,430 |
| Net interest margin | 3.9844% | 2,964 |
| Noninterest income to average assets | 0.4152% | 4,491 |
| Noninterest expense to average assets | 2.5484% | 5,301 |
| Loan and lease loss provision to assets | 0.0961% | 5,388 |
| Net operating income to assets | 1.0292% | 2,089 |
| Return on assets (ROA) | 1.0464% | 2,162 |
| Pretax return on assets | 1.5200% | 1,415 |
| Return on Equity (ROE) | 10.3947% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.3832% | 960 |
| Net charge-offs to loans | 0.0071% | 6,330 |
| Credit loss provision to net charge-offs | 1,666.6667% | 133 |
| Earnings coverage of net charge-offs (x) | 275.8889% | 128 |
| Efficiency ratio | 61.5635% | 5,527 |
| Assets per employee ($millions) | 4.6241% | 2,721 |
| Cash dividends to net income (ytd only)* | 19.3509% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,388 |
| Loan loss allowance to noncurrent loans | 7,087.5000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 6,944 |
| Noncurrent loans to loans | 0.0169% | 6,788 |
| Net loans and leases to total assets | 84.1331% | 204 |
| Net loans and leases to deposits | 110.0103% | 171 |
| Net loans and leases to core deposits | 128.3630% | 254 |
| Total domestic deposits to total assets | 76.4775% | 6,413 |
| Equity capital to assets | 9.9792% | 4,194 |
| Core capital (leverage) ratio | 10.0393% | 3,291 |
| Tier 1 risk-based capital ratio | 10.5849% | 6,650 |
| Total risk-based capital ratio | 11.7030% | 6,688 |
| Memoranda: | ||
| Average total assets | $156,055,800 | 3,703 |
| Average earning assets | $145,868,400 | 3,641 |
| Average equity | $15,710,000 | 3,767 |
| Average total loans | $126,654,000 | 3,049 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3167% | 1,800 |
| Cost of funding earning assets | 1.3266% | 1,564 |
| Net interest margin | 3.9900% | 2,953 |
| Noninterest income to average assets | 0.3562% | 5,010 |
| Noninterest expense to average assets | 2.4832% | 5,524 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0773% | 2,055 |
| Return on assets (ROA) | 1.0948% | 2,139 |
| Pretax return on assets | 1.6283% | 1,310 |
| Return on Equity (ROE) | 10.8493% | 1,915 |
| Retained earnings to average equity (ytd only) | 8.1284% | 1,458 |
| Net charge-offs to loans | 0.0065% | 6,079 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 307.3263% | 123 |
| Efficiency ratio | 60.7826% | 5,592 |
| Assets per employee ($millions) | 3.9091% | 4,051 |
| Cash dividends to net income (ytd only)* | 25.0792% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 5,339 |
| Loan loss allowance to noncurrent loans | 2,988.4615% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 6,941 |
| Noncurrent loans to loans | 0.0412% | 6,838 |
| Net loans and leases to total assets | 81.7596% | 375 |
| Net loans and leases to deposits | 106.1025% | 247 |
| Net loans and leases to core deposits | 119.5303% | 401 |
| Total domestic deposits to total assets | 77.0572% | 6,372 |
| Equity capital to assets | 10.6420% | 3,526 |
| Core capital (leverage) ratio | 10.3567% | 3,027 |
| Tier 1 risk-based capital ratio | 11.7473% | 6,072 |
| Total risk-based capital ratio | 12.9079% | 6,130 |
| Memoranda: | ||
| Average total assets | $153,453,250 | 3,767 |
| Average earning assets | $143,420,000 | 3,711 |
| Average equity | $15,484,500 | 3,826 |
| Average total loans | $122,879,000 | 3,147 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3025% | 1,880 |
| Cost of funding earning assets | 1.3315% | 1,753 |
| Net interest margin | 3.9710% | 2,987 |
| Noninterest income to average assets | 0.4032% | 4,660 |
| Noninterest expense to average assets | 2.4566% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1258% | 1,800 |
| Return on assets (ROA) | 1.1496% | 1,798 |
| Pretax return on assets | 1.6933% | 1,069 |
| Return on Equity (ROE) | 11.6026% | 1,606 |
| Retained earnings to average equity (ytd only) | 7.4550% | 1,677 |
| Net charge-offs to loans | 0.0066% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 318.7500% | 104 |
| Efficiency ratio | 59.7029% | 5,919 |
| Assets per employee ($millions) | 3.9720% | 3,818 |
| Cash dividends to net income (ytd only)* | 35.7466% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 5,193 |
| Loan loss allowance to noncurrent loans | 17,288.8889% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 7,073 |
| Noncurrent loans to loans | 0.0073% | 6,993 |
| Net loans and leases to total assets | 80.0963% | 523 |
| Net loans and leases to deposits | 106.0417% | 262 |
| Net loans and leases to core deposits | 114.4243% | 565 |
| Total domestic deposits to total assets | 75.5328% | 6,668 |
| Equity capital to assets | 10.3904% | 3,644 |
| Core capital (leverage) ratio | 10.0052% | 3,256 |
| Tier 1 risk-based capital ratio | 11.6895% | 6,021 |
| Total risk-based capital ratio | 12.8742% | 6,071 |
| Memoranda: | ||
| Average total assets | $153,786,670 | 3,784 |
| Average earning assets | $143,743,000 | 3,728 |
| Average equity | $15,238,000 | 3,867 |
| Average total loans | $121,772,330 | 3,194 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 2,108 |
| Cost of funding earning assets | 1.3366% | 1,967 |
| Net interest margin | 3.8942% | 3,169 |
| Noninterest income to average assets | 0.4587% | 4,200 |
| Noninterest expense to average assets | 2.2859% | 6,228 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4458% | 996 |
| Return on assets (ROA) | 1.4458% | 1,032 |
| Pretax return on assets | 1.8220% | 781 |
| Return on Equity (ROE) | 14.9446% | 828 |
| Retained earnings to average equity (ytd only) | 7.1926% | 2,072 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6462% | 6,540 |
| Assets per employee ($millions) | 4.2205% | 3,419 |
| Cash dividends to net income (ytd only)* | 51.8717% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 5,254 |
| Loan loss allowance to noncurrent loans | 12,000.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 7,174 |
| Noncurrent loans to loans | 0.0106% | 7,047 |
| Net loans and leases to total assets | 79.3857% | 578 |
| Net loans and leases to deposits | 103.3839% | 333 |
| Net loans and leases to core deposits | 105.9029% | 946 |
| Total domestic deposits to total assets | 76.7872% | 6,569 |
| Equity capital to assets | 10.0087% | 3,761 |
| Core capital (leverage) ratio | 9.5637% | 3,708 |
| Tier 1 risk-based capital ratio | 11.4772% | 6,120 |
| Total risk-based capital ratio | 12.6665% | 6,155 |
| Memoranda: | ||
| Average total assets | $155,211,500 | 3,788 |
| Average earning assets | $145,445,500 | 3,721 |
| Average equity | $15,015,500 | 3,900 |
| Average total loans | $121,433,000 | 3,228 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1925% | 3,645 |
| Cost of funding earning assets | 1.4799% | 2,762 |
| Net interest margin | 3.7127% | 4,296 |
| Noninterest income to average assets | 0.4131% | 4,794 |
| Noninterest expense to average assets | 2.2652% | 6,445 |
| Loan and lease loss provision to assets | -0.3835% | 7,642 |
| Net operating income to assets | 1.5097% | 746 |
| Return on assets (ROA) | 1.5097% | 809 |
| Pretax return on assets | 1.9947% | 482 |
| Return on Equity (ROE) | 15.7317% | 609 |
| Retained earnings to average equity (ytd only) | 11.4482% | 335 |
| Net charge-offs to loans | -0.2011% | 7,544 |
| Credit loss provision to net charge-offs | 267.6056% | 1,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4346% | 6,283 |
| Assets per employee ($millions) | 4.5281% | 2,818 |
| Cash dividends to net income (ytd only)* | 27.2282% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 5,042 |
| Loan loss allowance to noncurrent loans | 11,142.8571% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 7,234 |
| Noncurrent loans to loans | 0.0116% | 7,129 |
| Net loans and leases to total assets | 75.1674% | 1,438 |
| Net loans and leases to deposits | 104.1538% | 394 |
| Net loans and leases to core deposits | 113.7606% | 736 |
| Total domestic deposits to total assets | 72.1696% | 7,068 |
| Equity capital to assets | 9.3536% | 4,612 |
| Core capital (leverage) ratio | 9.7128% | 3,419 |
| Tier 1 risk-based capital ratio | 11.2212% | 6,167 |
| Total risk-based capital ratio | 12.4060% | 6,186 |
| Memoranda: | ||
| Average total assets | $148,640,800 | 3,898 |
| Average earning assets | $138,661,000 | 3,843 |
| Average equity | $14,264,200 | 4,083 |
| Average total loans | $105,902,600 | 3,629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2546% | 3,556 |
| Cost of funding earning assets | 1.5142% | 2,887 |
| Net interest margin | 3.7404% | 4,228 |
| Noninterest income to average assets | 0.4670% | 4,437 |
| Noninterest expense to average assets | 2.1881% | 6,638 |
| Loan and lease loss provision to assets | -0.5199% | 7,751 |
| Net operating income to assets | 1.6965% | 626 |
| Return on assets (ROA) | 1.6965% | 680 |
| Pretax return on assets | 2.2866% | 351 |
| Return on Equity (ROE) | 17.5580% | 520 |
| Retained earnings to average equity (ytd only) | 12.7343% | 375 |
| Net charge-offs to loans | -0.2609% | 7,642 |
| Credit loss provision to net charge-offs | 285.0000% | 1,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3275% | 6,645 |
| Assets per employee ($millions) | 4.1931% | 3,459 |
| Cash dividends to net income (ytd only)* | 27.4732% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4387% | 4,267 |
| Loan loss allowance to noncurrent loans | 486.4780% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 6,824 |
| Noncurrent loans to loans | 0.2957% | 6,596 |
| Net loans and leases to total assets | 72.2168% | 2,204 |
| Net loans and leases to deposits | 93.1122% | 1,317 |
| Net loans and leases to core deposits | 103.6630% | 1,515 |
| Total domestic deposits to total assets | 77.5590% | 6,355 |
| Equity capital to assets | 10.1671% | 3,924 |
| Core capital (leverage) ratio | 9.8986% | 3,357 |
| Tier 1 risk-based capital ratio | 12.3275% | 5,147 |
| Total risk-based capital ratio | 13.5782% | 5,122 |
| Memoranda: | ||
| Average total assets | $146,179,750 | 3,998 |
| Average earning assets | $136,309,500 | 3,938 |
| Average equity | $14,124,250 | 4,179 |
| Average total loans | $102,206,000 | 3,794 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2032% | 3,940 |
| Cost of funding earning assets | 1.5254% | 3,102 |
| Net interest margin | 3.6777% | 4,463 |
| Noninterest income to average assets | 0.5713% | 3,534 |
| Noninterest expense to average assets | 2.2632% | 6,468 |
| Loan and lease loss provision to assets | -0.7809% | 7,821 |
| Net operating income to assets | 1.9454% | 367 |
| Return on assets (ROA) | 1.9454% | 404 |
| Pretax return on assets | 2.5208% | 224 |
| Return on Equity (ROE) | 20.4926% | 292 |
| Retained earnings to average equity (ytd only) | 18.6887% | 112 |
| Net charge-offs to loans | -0.4242% | 7,719 |
| Credit loss provision to net charge-offs | 267.6056% | 1,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5366% | 6,570 |
| Assets per employee ($millions) | 4.2549% | 3,291 |
| Cash dividends to net income (ytd only)* | 8.8028% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 4,037 |
| Loan loss allowance to noncurrent loans | 2,437.5000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 7,283 |
| Noncurrent loans to loans | 0.0605% | 7,163 |
| Net loans and leases to total assets | 69.9682% | 2,905 |
| Net loans and leases to deposits | 94.2354% | 1,246 |
| Net loans and leases to core deposits | 102.8903% | 1,745 |
| Total domestic deposits to total assets | 74.2483% | 6,946 |
| Equity capital to assets | 9.8401% | 4,215 |
| Core capital (leverage) ratio | 9.9297% | 3,245 |
| Tier 1 risk-based capital ratio | 12.3203% | 5,022 |
| Total risk-based capital ratio | 13.5716% | 4,999 |
| Memoranda: | ||
| Average total assets | $145,987,000 | 4,032 |
| Average earning assets | $136,224,670 | 3,966 |
| Average equity | $13,858,670 | 4,229 |
| Average total loans | $100,431,000 | 3,882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 4,062 |
| Cost of funding earning assets | 1.5625% | 3,186 |
| Net interest margin | 3.6299% | 4,579 |
| Noninterest income to average assets | 0.4373% | 4,580 |
| Noninterest expense to average assets | 2.0758% | 6,999 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3230% | 1,245 |
| Return on assets (ROA) | 1.3230% | 1,319 |
| Pretax return on assets | 1.7437% | 979 |
| Return on Equity (ROE) | 14.2040% | 1,018 |
| Retained earnings to average equity (ytd only) | 12.4211% | 693 |
| Net charge-offs to loans | -0.0327% | 7,219 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3478% | 6,937 |
| Assets per employee ($millions) | 4.1091% | 3,632 |
| Cash dividends to net income (ytd only)* | 12.5523% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 2,321 |
| Loan loss allowance to noncurrent loans | 1,492.2481% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 7,262 |
| Noncurrent loans to loans | 0.1305% | 7,076 |
| Net loans and leases to total assets | 67.3972% | 3,530 |
| Net loans and leases to deposits | 86.4435% | 2,510 |
| Net loans and leases to core deposits | 88.4212% | 3,581 |
| Total domestic deposits to total assets | 77.9667% | 6,322 |
| Equity capital to assets | 9.5147% | 4,513 |
| Core capital (leverage) ratio | 9.3234% | 4,008 |
| Tier 1 risk-based capital ratio | 12.3474% | 4,867 |
| Total risk-based capital ratio | 13.6031% | 4,822 |
| Memoranda: | ||
| Average total assets | $144,519,500 | 4,119 |
| Average earning assets | $134,658,000 | 4,064 |
| Average equity | $13,461,000 | 4,360 |
| Average total loans | $97,767,500 | 4,029 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6022% | 3,596 |
| Cost of funding earning assets | 1.8935% | 3,497 |
| Net interest margin | 3.7087% | 4,098 |
| Noninterest income to average assets | 0.3856% | 5,329 |
| Noninterest expense to average assets | 2.1709% | 7,048 |
| Loan and lease loss provision to assets | 0.7151% | 2,970 |
| Net operating income to assets | 0.5803% | 3,402 |
| Return on assets (ROA) | 0.5803% | 3,479 |
| Pretax return on assets | 0.9564% | 2,743 |
| Return on Equity (ROE) | 6.3543% | 3,054 |
| Retained earnings to average equity (ytd only) | 5.7157% | 1,467 |
| Net charge-offs to loans | 0.8271% | 2,757 |
| Credit loss provision to net charge-offs | 118.0505% | 4,582 |
| Earnings coverage of net charge-offs (x) | 2.7593% | 3,717 |
| Efficiency ratio | 56.4978% | 6,954 |
| Assets per employee ($millions) | 4.0339% | 3,750 |
| Cash dividends to net income (ytd only)* | 10.0503% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9839% | 2,071 |
| Loan loss allowance to noncurrent loans | 1,155.4217% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 7,200 |
| Noncurrent loans to loans | 0.1717% | 6,991 |
| Net loans and leases to total assets | 65.2541% | 4,331 |
| Net loans and leases to deposits | 85.5052% | 2,998 |
| Net loans and leases to core deposits | 101.6956% | 3,830 |
| Total domestic deposits to total assets | 76.3159% | 6,616 |
| Equity capital to assets | 9.1158% | 4,964 |
| Core capital (leverage) ratio | 9.1945% | 4,130 |
| Tier 1 risk-based capital ratio | 12.1566% | 4,812 |
| Total risk-based capital ratio | 13.4134% | 4,769 |
| Memoranda: | ||
| Average total assets | $137,176,000 | 4,188 |
| Average earning assets | $127,861,000 | 4,135 |
| Average equity | $12,527,000 | 4,622 |
| Average total loans | $100,474,200 | 3,932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6847% | 3,413 |
| Cost of funding earning assets | 1.9579% | 3,579 |
| Net interest margin | 3.7267% | 3,963 |
| Noninterest income to average assets | 0.3916% | 5,368 |
| Noninterest expense to average assets | 2.1928% | 6,995 |
| Loan and lease loss provision to assets | 1.2143% | 1,598 |
| Net operating income to assets | 0.1282% | 5,379 |
| Return on assets (ROA) | 0.1282% | 5,447 |
| Pretax return on assets | 0.4636% | 4,630 |
| Return on Equity (ROE) | 1.4036% | 5,371 |
| Retained earnings to average equity (ytd only) | 0.5399% | 4,984 |
| Net charge-offs to loans | 1.3199% | 1,551 |
| Credit loss provision to net charge-offs | 122.6096% | 4,129 |
| Earnings coverage of net charge-offs (x) | 1.6942% | 4,526 |
| Efficiency ratio | 56.6514% | 6,914 |
| Assets per employee ($millions) | 3.8653% | 4,032 |
| Cash dividends to net income (ytd only)* | 61.5358% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 1,666 |
| Loan loss allowance to noncurrent loans | 417.1548% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 6,445 |
| Noncurrent loans to loans | 0.4943% | 6,326 |
| Net loans and leases to total assets | 68.0630% | 3,944 |
| Net loans and leases to deposits | 90.3291% | 2,512 |
| Net loans and leases to core deposits | 112.7660% | 2,953 |
| Total domestic deposits to total assets | 75.3500% | 6,709 |
| Equity capital to assets | 9.1274% | 5,293 |
| Core capital (leverage) ratio | 9.1334% | 4,441 |
| Tier 1 risk-based capital ratio | 11.6862% | 5,255 |
| Total risk-based capital ratio | 12.9439% | 5,199 |
| Memoranda: | ||
| Average total assets | $135,165,000 | 4,248 |
| Average earning assets | $126,183,750 | 4,205 |
| Average equity | $12,349,250 | 4,700 |
| Average total loans | $101,422,750 | 3,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7815% | 3,131 |
| Cost of funding earning assets | 2.0101% | 3,725 |
| Net interest margin | 3.7714% | 3,669 |
| Noninterest income to average assets | 0.4319% | 5,009 |
| Noninterest expense to average assets | 2.2311% | 6,970 |
| Loan and lease loss provision to assets | 1.8396% | 893 |
| Net operating income to assets | -0.3826% | 6,428 |
| Return on assets (ROA) | -0.3826% | 6,439 |
| Pretax return on assets | -0.1285% | 6,031 |
| Return on Equity (ROE) | -4.1857% | 6,501 |
| Retained earnings to average equity (ytd only) | -5.4938% | 6,377 |
| Net charge-offs to loans | 1.3845% | 1,350 |
| Credit loss provision to net charge-offs | 172.6508% | 2,664 |
| Earnings coverage of net charge-offs (x) | 1.6059% | 4,338 |
| Efficiency ratio | 56.5959% | 7,038 |
| Assets per employee ($millions) | 3.6951% | 4,338 |
| Cash dividends to net income (ytd only)* | -31.2500% | 7,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2448% | 1,175 |
| Loan loss allowance to noncurrent loans | 940.3292% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 6,869 |
| Noncurrent loans to loans | 0.2387% | 6,917 |
| Net loans and leases to total assets | 74.8029% | 2,497 |
| Net loans and leases to deposits | 97.0638% | 1,652 |
| Net loans and leases to core deposits | 118.9867% | 2,457 |
| Total domestic deposits to total assets | 77.0656% | 6,313 |
| Equity capital to assets | 9.1292% | 5,125 |
| Core capital (leverage) ratio | 8.9900% | 4,645 |
| Tier 1 risk-based capital ratio | 11.0982% | 5,777 |
| Total risk-based capital ratio | 12.3586% | 5,684 |
| Memoranda: | ||
| Average total assets | $133,836,000 | 4,311 |
| Average earning assets | $124,569,330 | 4,254 |
| Average equity | $12,232,000 | 4,752 |
| Average total loans | $102,995,330 | 3,935 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6603% | 3,993 |
| Cost of funding earning assets | 2.0332% | 3,967 |
| Net interest margin | 3.6271% | 4,204 |
| Noninterest income to average assets | 0.5036% | 4,295 |
| Noninterest expense to average assets | 2.1513% | 7,005 |
| Loan and lease loss provision to assets | 3.6680% | 276 |
| Net operating income to assets | -2.3599% | 7,738 |
| Return on assets (ROA) | -2.3599% | 7,739 |
| Pretax return on assets | -1.9457% | 7,519 |
| Return on Equity (ROE) | -25.8065% | 7,853 |
| Retained earnings to average equity (ytd only) | -28.4132% | 7,837 |
| Net charge-offs to loans | 2.6140% | 520 |
| Credit loss provision to net charge-offs | 181.8316% | 2,393 |
| Earnings coverage of net charge-offs (x) | 0.8538% | 4,339 |
| Efficiency ratio | 55.5385% | 7,027 |
| Assets per employee ($millions) | 3.6279% | 4,509 |
| Cash dividends to net income (ytd only)* | -10.1010% | 8,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,056 |
| Loan loss allowance to noncurrent loans | 2,495.6989% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 7,195 |
| Noncurrent loans to loans | 0.0890% | 7,269 |
| Net loans and leases to total assets | 76.1063% | 2,245 |
| Net loans and leases to deposits | 97.7664% | 1,701 |
| Net loans and leases to core deposits | 118.0101% | 2,596 |
| Total domestic deposits to total assets | 77.8451% | 6,066 |
| Equity capital to assets | 8.7043% | 5,760 |
| Core capital (leverage) ratio | 8.4240% | 5,672 |
| Tier 1 risk-based capital ratio | 10.3477% | 6,543 |
| Total risk-based capital ratio | 11.6082% | 6,450 |
| Memoranda: | ||
| Average total assets | $134,242,500 | 4,322 |
| Average earning assets | $124,728,500 | 4,270 |
| Average equity | $12,276,000 | 4,761 |
| Average total loans | $103,598,000 | 3,945 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4075% | 3,379 |
| Cost of funding earning assets | 2.7049% | 3,141 |
| Net interest margin | 3.7026% | 4,463 |
| Noninterest income to average assets | 0.3886% | 5,573 |
| Noninterest expense to average assets | 2.4658% | 6,148 |
| Loan and lease loss provision to assets | -0.2899% | 8,283 |
| Net operating income to assets | 1.2419% | 1,649 |
| Return on assets (ROA) | 1.2491% | 1,574 |
| Pretax return on assets | 1.6300% | 1,312 |
| Return on Equity (ROE) | 13.2029% | 1,284 |
| Retained earnings to average equity (ytd only) | 8.1907% | 784 |
| Net charge-offs to loans | -0.2047% | 8,166 |
| Credit loss provision to net charge-offs | 178.1991% | 2,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9472% | 5,338 |
| Assets per employee ($millions) | 3.7293% | 4,108 |
| Cash dividends to net income (ytd only)* | 37.9630% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 1,844 |
| Loan loss allowance to noncurrent loans | 276.5258% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5378% | 5,560 |
| Noncurrent loans to loans | 0.6221% | 5,503 |
| Net loans and leases to total assets | 75.1931% | 2,834 |
| Net loans and leases to deposits | 98.4091% | 2,067 |
| Net loans and leases to core deposits | 116.9745% | 3,007 |
| Total domestic deposits to total assets | 76.4087% | 6,142 |
| Equity capital to assets | 9.5849% | 4,567 |
| Core capital (leverage) ratio | 9.3520% | 4,228 |
| Tier 1 risk-based capital ratio | 11.3043% | 5,439 |
| Total risk-based capital ratio | 12.5588% | 5,327 |
| Memoranda: | ||
| Average total assets | $129,696,400 | 4,290 |
| Average earning assets | $119,376,400 | 4,275 |
| Average equity | $12,270,000 | 4,761 |
| Average total loans | $103,057,400 | 3,874 |