Home > Guardian Savings Bank > Performance and Condition Ratios
Guardian Savings Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5599% | 1,961 |
| Cost of funding earning assets | 3.1444% | 232 |
| Net interest margin | 2.4155% | 4,090 |
| Noninterest income to average assets | 0.7900% | 831 |
| Noninterest expense to average assets | 1.7406% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.3698% | 1,326 |
| Return on assets (ROA) | 1.3698% | 1,320 |
| Pretax return on assets | 1.3698% | 1,812 |
| Return on Equity (ROE) | 11.8800% | 1,783 |
| Retained earnings to average equity (ytd only) | -4.9780% | 4,077 |
| Net charge-offs to loans | -0.0119% | 3,962 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 55.9606% | 3,416 |
| Assets per employee ($millions) | 7.8472% | 1,670 |
| Cash dividends to net income (ytd only)* | 141.9100% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 2,916 |
| Loan loss allowance to noncurrent loans | 229.9173% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 1,860 |
| Noncurrent loans to loans | 0.4615% | 1,973 |
| Net loans and leases to total assets | 79.1900% | 684 |
| Net loans and leases to deposits | 89.7027% | 1,124 |
| Net loans and leases to core deposits | 99.9423% | 1,371 |
| Total domestic deposits to total assets | 88.2900% | 1,450 |
| Equity capital to assets | 11.3602% | 1,480 |
| Core capital (leverage) ratio | 11.4243% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,330,123,000 | 814 |
| Average earning assets | $1,277,579,500 | 787 |
| Average equity | $153,393,500 | 731 |
| Average total loans | $1,075,082,000 | 729 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6170% | 1,909 |
| Cost of funding earning assets | 3.3318% | 264 |
| Net interest margin | 2.2852% | 4,090 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 1.8342% | 3,907 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.1352% | 1,650 |
| Return on assets (ROA) | 1.1352% | 1,659 |
| Pretax return on assets | 1.1352% | 2,151 |
| Return on Equity (ROE) | 9.2700% | 2,379 |
| Retained earnings to average equity (ytd only) | 4.6789% | 2,362 |
| Net charge-offs to loans | -0.0431% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 61.7699% | 2,978 |
| Assets per employee ($millions) | 8.1382% | 1,457 |
| Cash dividends to net income (ytd only)* | 49.5485% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 2,921 |
| Loan loss allowance to noncurrent loans | 578.3715% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 2,718 |
| Noncurrent loans to loans | 0.1826% | 2,774 |
| Net loans and leases to total assets | 80.7600% | 570 |
| Net loans and leases to deposits | 91.8952% | 1,043 |
| Net loans and leases to core deposits | 102.7354% | 1,284 |
| Total domestic deposits to total assets | 87.8800% | 1,555 |
| Equity capital to assets | 11.7074% | 1,289 |
| Core capital (leverage) ratio | 11.8722% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,229,207,800 | 859 |
| Average earning assets | $1,176,904,600 | 827 |
| Average equity | $150,464,200 | 711 |
| Average total loans | $1,033,241,800 | 737 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5945% | 1,917 |
| Cost of funding earning assets | 3.3258% | 286 |
| Net interest margin | 2.2687% | 4,102 |
| Noninterest income to average assets | 0.8200% | 844 |
| Noninterest expense to average assets | 1.7963% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.1924% | 1,537 |
| Return on assets (ROA) | 1.1924% | 1,542 |
| Pretax return on assets | 1.1924% | 2,001 |
| Return on Equity (ROE) | 9.6300% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.3664% | 2,317 |
| Net charge-offs to loans | -0.0572% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 60.1020% | 3,150 |
| Assets per employee ($millions) | 7.4959% | 1,808 |
| Cash dividends to net income (ytd only)* | 44.2561% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,004 |
| Loan loss allowance to noncurrent loans | 496.2429% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,567 |
| Noncurrent loans to loans | 0.2112% | 2,690 |
| Net loans and leases to total assets | 83.6600% | 282 |
| Net loans and leases to deposits | 95.5451% | 746 |
| Net loans and leases to core deposits | 107.0836% | 1,075 |
| Total domestic deposits to total assets | 87.5600% | 1,398 |
| Equity capital to assets | 11.9616% | 1,300 |
| Core capital (leverage) ratio | 12.1081% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,206,914,250 | 860 |
| Average earning assets | $1,154,582,500 | 836 |
| Average equity | $149,493,250 | 708 |
| Average total loans | $1,022,530,500 | 741 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4898% | 1,997 |
| Cost of funding earning assets | 3.2501% | 295 |
| Net interest margin | 2.2397% | 4,130 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 1.7991% | 3,939 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.0068% | 1,972 |
| Return on assets (ROA) | 1.0068% | 1,973 |
| Pretax return on assets | 1.0068% | 2,459 |
| Return on Equity (ROE) | 8.0300% | 2,721 |
| Retained earnings to average equity (ytd only) | 2.5301% | 3,170 |
| Net charge-offs to loans | -0.0852% | 4,417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.1177% | 2,758 |
| Assets per employee ($millions) | 7.3449% | 1,837 |
| Cash dividends to net income (ytd only)* | 68.4874% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 2,876 |
| Loan loss allowance to noncurrent loans | 448.6754% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 2,375 |
| Noncurrent loans to loans | 0.2416% | 2,514 |
| Net loans and leases to total assets | 83.9000% | 295 |
| Net loans and leases to deposits | 95.9283% | 805 |
| Net loans and leases to core deposits | 107.6182% | 1,065 |
| Total domestic deposits to total assets | 87.4600% | 1,493 |
| Equity capital to assets | 12.0899% | 1,143 |
| Core capital (leverage) ratio | 12.9506% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,181,950,667 | 876 |
| Average earning assets | $1,129,803,333 | 847 |
| Average equity | $148,216,000 | 711 |
| Average total loans | $1,002,132,000 | 754 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3246% | 2,148 |
| Cost of funding earning assets | 3.1496% | 333 |
| Net interest margin | 2.1750% | 4,202 |
| Noninterest income to average assets | 0.7000% | 1,035 |
| Noninterest expense to average assets | 1.7627% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.0194% | 1,880 |
| Return on assets (ROA) | 1.0194% | 1,886 |
| Pretax return on assets | 1.0194% | 2,336 |
| Return on Equity (ROE) | 7.9800% | 2,699 |
| Retained earnings to average equity (ytd only) | 2.2987% | 3,167 |
| Net charge-offs to loans | -0.0261% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 63.3582% | 2,886 |
| Assets per employee ($millions) | 7.0827% | 2,036 |
| Cash dividends to net income (ytd only)* | 71.1813% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 2,756 |
| Loan loss allowance to noncurrent loans | 446.3226% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 2,310 |
| Noncurrent loans to loans | 0.2491% | 2,426 |
| Net loans and leases to total assets | 82.5900% | 365 |
| Net loans and leases to deposits | 94.8900% | 797 |
| Net loans and leases to core deposits | 107.3066% | 1,050 |
| Total domestic deposits to total assets | 87.0400% | 1,762 |
| Equity capital to assets | 12.5259% | 980 |
| Core capital (leverage) ratio | 12.8424% | 1,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,155,950,500 | 902 |
| Average earning assets | $1,104,014,000 | 873 |
| Average equity | $147,732,500 | 720 |
| Average total loans | $979,886,000 | 763 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 2,564 |
| Cost of funding earning assets | 2.0351% | 872 |
| Net interest margin | 2.7187% | 3,795 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 1.8092% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4890% | 1,039 |
| Return on assets (ROA) | 1.4890% | 1,007 |
| Pretax return on assets | 1.4890% | 1,448 |
| Return on Equity (ROE) | 10.8800% | 2,259 |
| Retained earnings to average equity (ytd only) | 1.9669% | 3,586 |
| Net charge-offs to loans | 0.0222% | 1,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 78.9455% | 1,030 |
| Efficiency ratio | 54.8551% | 3,612 |
| Assets per employee ($millions) | 7.0130% | 2,066 |
| Cash dividends to net income (ytd only)* | 81.9151% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1236% | 2,703 |
| Loan loss allowance to noncurrent loans | 640.4692% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.1510% | 2,512 |
| Noncurrent loans to loans | 0.1754% | 2,639 |
| Net loans and leases to total assets | 85.1100% | 199 |
| Net loans and leases to deposits | 98.4462% | 620 |
| Net loans and leases to core deposits | 112.0503% | 886 |
| Total domestic deposits to total assets | 86.4500% | 1,875 |
| Equity capital to assets | 13.0466% | 855 |
| Core capital (leverage) ratio | 13.3880% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,071,020,200 | 926 |
| Average earning assets | $1,018,856,200 | 894 |
| Average equity | $146,628,000 | 684 |
| Average total loans | $911,487,800 | 785 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 2,638 |
| Cost of funding earning assets | 1.7654% | 1,072 |
| Net interest margin | 2.8527% | 3,635 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 1.7163% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7040% | 795 |
| Return on assets (ROA) | 1.7040% | 783 |
| Pretax return on assets | 1.7040% | 1,154 |
| Return on Equity (ROE) | 12.2900% | 2,056 |
| Retained earnings to average equity (ytd only) | 0.7656% | 3,990 |
| Net charge-offs to loans | 0.0314% | 1,451 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 1,168 |
| Efficiency ratio | 50.1789% | 3,901 |
| Assets per employee ($millions) | 6.7310% | 2,157 |
| Cash dividends to net income (ytd only)* | 93.7722% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,729 |
| Loan loss allowance to noncurrent loans | 587.5204% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,459 |
| Noncurrent loans to loans | 0.1924% | 2,590 |
| Net loans and leases to total assets | 87.0300% | 116 |
| Net loans and leases to deposits | 101.1708% | 464 |
| Net loans and leases to core deposits | 115.0241% | 691 |
| Total domestic deposits to total assets | 86.0300% | 2,182 |
| Equity capital to assets | 13.4047% | 737 |
| Core capital (leverage) ratio | 13.5920% | 911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,056,599,000 | 933 |
| Average earning assets | $1,004,297,000 | 904 |
| Average equity | $146,458,000 | 679 |
| Average total loans | $896,390,250 | 799 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 2,415 |
| Cost of funding earning assets | 1.4953% | 1,250 |
| Net interest margin | 3.1042% | 3,220 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 1.7830% | 4,029 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8084% | 647 |
| Return on assets (ROA) | 1.8084% | 647 |
| Pretax return on assets | 1.8084% | 995 |
| Return on Equity (ROE) | 12.9000% | 1,921 |
| Retained earnings to average equity (ytd only) | 5.9364% | 2,649 |
| Net charge-offs to loans | 0.0479% | 1,032 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 45.1048% | 1,338 |
| Efficiency ratio | 49.6465% | 3,958 |
| Assets per employee ($millions) | 6.3300% | 2,448 |
| Cash dividends to net income (ytd only)* | 53.9802% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,519 |
| Loan loss allowance to noncurrent loans | 819.9240% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,668 |
| Noncurrent loans to loans | 0.1444% | 2,743 |
| Net loans and leases to total assets | 85.6500% | 171 |
| Net loans and leases to deposits | 100.3620% | 498 |
| Net loans and leases to core deposits | 115.3204% | 641 |
| Total domestic deposits to total assets | 85.3400% | 2,446 |
| Equity capital to assets | 14.1591% | 628 |
| Core capital (leverage) ratio | 14.2585% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,047,568,667 | 930 |
| Average earning assets | $995,542,000 | 903 |
| Average equity | $146,855,667 | 675 |
| Average total loans | $877,198,667 | 795 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 2,616 |
| Cost of funding earning assets | 1.2888% | 1,257 |
| Net interest margin | 3.0899% | 3,373 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.8303% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8043% | 662 |
| Return on assets (ROA) | 1.8043% | 653 |
| Pretax return on assets | 1.8043% | 1,060 |
| Return on Equity (ROE) | 12.9400% | 2,000 |
| Retained earnings to average equity (ytd only) | 8.0525% | 2,202 |
| Net charge-offs to loans | 0.1023% | 593 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 21.4455% | 1,434 |
| Efficiency ratio | 50.3577% | 3,908 |
| Assets per employee ($millions) | 6.1787% | 2,601 |
| Cash dividends to net income (ytd only)* | 37.7490% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,393 |
| Loan loss allowance to noncurrent loans | 1,091.3880% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 2,860 |
| Noncurrent loans to loans | 0.1127% | 2,957 |
| Net loans and leases to total assets | 83.8400% | 247 |
| Net loans and leases to deposits | 98.3599% | 520 |
| Net loans and leases to core deposits | 111.9304% | 643 |
| Total domestic deposits to total assets | 85.2400% | 2,796 |
| Equity capital to assets | 14.2813% | 555 |
| Core capital (leverage) ratio | 14.2464% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,045,960,500 | 947 |
| Average earning assets | $994,087,500 | 921 |
| Average equity | $145,892,500 | 690 |
| Average total loans | $860,420,500 | 821 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0050% | 4,128 |
| Cost of funding earning assets | 0.5498% | 1,109 |
| Net interest margin | 2.4553% | 4,320 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.1726% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2291% | 1,668 |
| Return on assets (ROA) | 1.2247% | 1,632 |
| Pretax return on assets | 1.2247% | 2,360 |
| Return on Equity (ROE) | 9.3400% | 3,020 |
| Retained earnings to average equity (ytd only) | -0.3892% | 4,395 |
| Net charge-offs to loans | -0.0250% | 4,135 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.8679% | 2,514 |
| Assets per employee ($millions) | 6.1276% | 2,652 |
| Cash dividends to net income (ytd only)* | 104.1670% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 1,734 |
| Loan loss allowance to noncurrent loans | 378.2915% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 1,748 |
| Noncurrent loans to loans | 0.3533% | 1,879 |
| Net loans and leases to total assets | 78.6400% | 739 |
| Net loans and leases to deposits | 91.5412% | 945 |
| Net loans and leases to core deposits | 102.6897% | 866 |
| Total domestic deposits to total assets | 85.9100% | 2,757 |
| Equity capital to assets | 13.6239% | 612 |
| Core capital (leverage) ratio | 13.3319% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,103,222,000 | 899 |
| Average earning assets | $1,047,344,000 | 876 |
| Average equity | $144,672,200 | 697 |
| Average total loans | $603,907,000 | 1,030 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6039% | 4,390 |
| Cost of funding earning assets | 0.4469% | 994 |
| Net interest margin | 2.1571% | 4,488 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 1.9560% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1797% | 1,774 |
| Return on assets (ROA) | 1.1739% | 1,769 |
| Pretax return on assets | 1.1739% | 2,474 |
| Return on Equity (ROE) | 9.0400% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.1427% | 3,995 |
| Net charge-offs to loans | -0.0351% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.3779% | 2,781 |
| Assets per employee ($millions) | 5.7719% | 2,965 |
| Cash dividends to net income (ytd only)* | 76.2847% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7032% | 871 |
| Loan loss allowance to noncurrent loans | 538.0544% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 2,329 |
| Noncurrent loans to loans | 0.3165% | 2,108 |
| Net loans and leases to total assets | 59.3800% | 2,570 |
| Net loans and leases to deposits | 68.8890% | 2,464 |
| Net loans and leases to core deposits | 75.0960% | 2,271 |
| Total domestic deposits to total assets | 86.2000% | 3,020 |
| Equity capital to assets | 13.4329% | 624 |
| Core capital (leverage) ratio | 13.3863% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,114,008,000 | 900 |
| Average earning assets | $1,057,087,250 | 881 |
| Average equity | $144,734,250 | 706 |
| Average total loans | $543,650,750 | 1,109 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2454% | 4,547 |
| Cost of funding earning assets | 0.3905% | 981 |
| Net interest margin | 1.8549% | 4,613 |
| Noninterest income to average assets | 1.2679% | 442 |
| Noninterest expense to average assets | 1.9636% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0623% | 1,930 |
| Return on assets (ROA) | 1.0536% | 1,928 |
| Pretax return on assets | 1.0536% | 2,557 |
| Return on Equity (ROE) | 8.2002% | 2,968 |
| Retained earnings to average equity (ytd only) | 0.0514% | 4,173 |
| Net charge-offs to loans | -0.1059% | 4,457 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8920% | 2,652 |
| Assets per employee ($millions) | 5.7562% | 2,972 |
| Cash dividends to net income (ytd only)* | 99.3728% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2264% | 370 |
| Loan loss allowance to noncurrent loans | 4,545.0199% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,723 |
| Noncurrent loans to loans | 0.0490% | 3,583 |
| Net loans and leases to total assets | 45.3309% | 3,746 |
| Net loans and leases to deposits | 52.4234% | 3,656 |
| Net loans and leases to core deposits | 55.9759% | 3,566 |
| Total domestic deposits to total assets | 86.4707% | 3,121 |
| Equity capital to assets | 13.1221% | 646 |
| Core capital (leverage) ratio | 12.8430% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.0257% | 121 |
| Memoranda: | ||
| Average total assets | $1,119,792,000 | 894 |
| Average earning assets | $1,061,288,667 | 879 |
| Average equity | $143,874,667 | 712 |
| Average total loans | $504,041,667 | 1,164 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1195% | 4,571 |
| Cost of funding earning assets | 0.3947% | 900 |
| Net interest margin | 1.7248% | 4,637 |
| Noninterest income to average assets | 0.9600% | 740 |
| Noninterest expense to average assets | 1.9466% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6480% | 3,237 |
| Return on assets (ROA) | 0.6306% | 3,278 |
| Pretax return on assets | 0.6306% | 3,549 |
| Return on Equity (ROE) | 4.9602% | 3,635 |
| Retained earnings to average equity (ytd only) | -9.4180% | 4,550 |
| Net charge-offs to loans | -0.1921% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0239% | 1,630 |
| Assets per employee ($millions) | 5.8975% | 2,901 |
| Cash dividends to net income (ytd only)* | 289.8706% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2717% | 391 |
| Loan loss allowance to noncurrent loans | 2,646.7442% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0384% | 3,652 |
| Noncurrent loans to loans | 0.0858% | 3,411 |
| Net loans and leases to total assets | 43.6941% | 3,758 |
| Net loans and leases to deposits | 50.2678% | 3,713 |
| Net loans and leases to core deposits | 53.8546% | 3,601 |
| Total domestic deposits to total assets | 86.9226% | 2,956 |
| Equity capital to assets | 12.6380% | 771 |
| Core capital (leverage) ratio | 12.5856% | 883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.1189% | 128 |
| Memoranda: | ||
| Average total assets | $1,127,095,500 | 895 |
| Average earning assets | $1,068,151,500 | 880 |
| Average equity | $143,300,000 | 733 |
| Average total loans | $499,863,500 | 1,165 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5882% | 4,418 |
| Cost of funding earning assets | 0.5074% | 901 |
| Net interest margin | 2.0808% | 4,552 |
| Noninterest income to average assets | 2.9288% | 188 |
| Noninterest expense to average assets | 2.0372% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.8627% | 110 |
| Return on assets (ROA) | 2.8604% | 112 |
| Pretax return on assets | 2.8604% | 166 |
| Return on Equity (ROE) | 22.8011% | 185 |
| Retained earnings to average equity (ytd only) | 4.3297% | 3,078 |
| Net charge-offs to loans | -0.0516% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5764% | 4,648 |
| Assets per employee ($millions) | 5.9045% | 2,861 |
| Cash dividends to net income (ytd only)* | 81.0110% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2336% | 423 |
| Loan loss allowance to noncurrent loans | 357.9692% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 2,179 |
| Noncurrent loans to loans | 0.6240% | 1,591 |
| Net loans and leases to total assets | 43.0112% | 3,911 |
| Net loans and leases to deposits | 49.6072% | 3,913 |
| Net loans and leases to core deposits | 53.2706% | 3,811 |
| Total domestic deposits to total assets | 86.7034% | 2,620 |
| Equity capital to assets | 12.7893% | 963 |
| Core capital (leverage) ratio | 12.6126% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.9540% | 124 |
| Memoranda: | ||
| Average total assets | $1,125,255,000 | 877 |
| Average earning assets | $1,065,920,000 | 855 |
| Average equity | $141,164,000 | 753 |
| Average total loans | $609,110,600 | 995 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6782% | 4,431 |
| Cost of funding earning assets | 0.5344% | 898 |
| Net interest margin | 2.1438% | 4,603 |
| Noninterest income to average assets | 2.7815% | 219 |
| Noninterest expense to average assets | 1.9738% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.8394% | 145 |
| Return on assets (ROA) | 2.8394% | 143 |
| Pretax return on assets | 2.8394% | 217 |
| Return on Equity (ROE) | 22.7456% | 264 |
| Retained earnings to average equity (ytd only) | 2.7045% | 3,999 |
| Net charge-offs to loans | -0.0609% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0077% | 4,692 |
| Assets per employee ($millions) | 5.8330% | 2,850 |
| Cash dividends to net income (ytd only)* | 88.1099% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 1,006 |
| Loan loss allowance to noncurrent loans | 310.1255% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 2,083 |
| Noncurrent loans to loans | 0.5660% | 1,899 |
| Net loans and leases to total assets | 54.4271% | 2,922 |
| Net loans and leases to deposits | 62.8231% | 2,969 |
| Net loans and leases to core deposits | 67.4815% | 2,821 |
| Total domestic deposits to total assets | 86.6354% | 2,493 |
| Equity capital to assets | 12.3959% | 1,223 |
| Core capital (leverage) ratio | 12.5346% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8697% | 198 |
| Memoranda: | ||
| Average total assets | $1,123,153,500 | 886 |
| Average earning assets | $1,064,424,500 | 867 |
| Average equity | $140,208,250 | 770 |
| Average total loans | $636,703,000 | 965 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6198% | 4,531 |
| Cost of funding earning assets | 0.5678% | 875 |
| Net interest margin | 2.0520% | 4,678 |
| Noninterest income to average assets | 3.1527% | 175 |
| Noninterest expense to average assets | 2.0924% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.0040% | 130 |
| Return on assets (ROA) | 3.0040% | 137 |
| Pretax return on assets | 3.0040% | 191 |
| Return on Equity (ROE) | 24.0064% | 231 |
| Retained earnings to average equity (ytd only) | 1.2097% | 4,297 |
| Net charge-offs to loans | -0.0643% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0559% | 4,719 |
| Assets per employee ($millions) | 6.2675% | 2,369 |
| Cash dividends to net income (ytd only)* | 94.9609% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 1,006 |
| Loan loss allowance to noncurrent loans | 283.3804% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 2,078 |
| Noncurrent loans to loans | 0.6098% | 1,878 |
| Net loans and leases to total assets | 56.5544% | 2,834 |
| Net loans and leases to deposits | 65.2411% | 2,882 |
| Net loans and leases to core deposits | 70.3427% | 2,748 |
| Total domestic deposits to total assets | 86.6852% | 2,481 |
| Equity capital to assets | 12.5949% | 1,091 |
| Core capital (leverage) ratio | 12.1925% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7467% | 217 |
| Memoranda: | ||
| Average total assets | $1,116,447,000 | 883 |
| Average earning assets | $1,057,497,333 | 865 |
| Average equity | $139,704,667 | 769 |
| Average total loans | $637,814,667 | 970 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5769% | 4,588 |
| Cost of funding earning assets | 0.6090% | 843 |
| Net interest margin | 1.9679% | 4,745 |
| Noninterest income to average assets | 3.0429% | 198 |
| Noninterest expense to average assets | 1.7182% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.1896% | 129 |
| Return on assets (ROA) | 3.1896% | 144 |
| Pretax return on assets | 3.1896% | 191 |
| Return on Equity (ROE) | 25.5725% | 239 |
| Retained earnings to average equity (ytd only) | 4.7073% | 3,313 |
| Net charge-offs to loans | -0.0552% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.0095% | 4,860 |
| Assets per employee ($millions) | 6.4497% | 2,215 |
| Cash dividends to net income (ytd only)* | 81.5922% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 1,072 |
| Loan loss allowance to noncurrent loans | 203.6381% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 1,977 |
| Noncurrent loans to loans | 0.8291% | 1,613 |
| Net loans and leases to total assets | 55.3623% | 3,111 |
| Net loans and leases to deposits | 63.6637% | 3,158 |
| Net loans and leases to core deposits | 68.6424% | 3,004 |
| Total domestic deposits to total assets | 86.9606% | 2,325 |
| Equity capital to assets | 12.2398% | 1,179 |
| Core capital (leverage) ratio | 12.6295% | 945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3472% | 226 |
| Memoranda: | ||
| Average total assets | $1,120,000,500 | 874 |
| Average earning assets | $1,061,441,500 | 855 |
| Average equity | $139,697,000 | 764 |
| Average total loans | $637,515,500 | 965 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3095% | 4,317 |
| Cost of funding earning assets | 1.0187% | 556 |
| Net interest margin | 2.2909% | 4,724 |
| Noninterest income to average assets | 2.9940% | 195 |
| Noninterest expense to average assets | 1.9814% | 4,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.1781% | 81 |
| Return on assets (ROA) | 3.1781% | 85 |
| Pretax return on assets | 3.1781% | 112 |
| Return on Equity (ROE) | 26.5424% | 93 |
| Retained earnings to average equity (ytd only) | 16.6065% | 111 |
| Net charge-offs to loans | -0.0512% | 4,673 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4038% | 4,898 |
| Assets per employee ($millions) | 5.8082% | 2,537 |
| Cash dividends to net income (ytd only)* | 37.4342% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 989 |
| Loan loss allowance to noncurrent loans | 163.5347% | 2,676 |
| Noncurrent assets plus other real estate owned to assets | 0.6211% | 1,695 |
| Noncurrent loans to loans | 1.0533% | 1,348 |
| Net loans and leases to total assets | 56.5687% | 3,242 |
| Net loans and leases to deposits | 65.1370% | 3,347 |
| Net loans and leases to core deposits | 70.3239% | 3,231 |
| Total domestic deposits to total assets | 86.8458% | 2,011 |
| Equity capital to assets | 12.7181% | 1,221 |
| Core capital (leverage) ratio | 12.6472% | 993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2722% | 227 |
| Memoranda: | ||
| Average total assets | $1,052,715,800 | 843 |
| Average earning assets | $995,129,200 | 823 |
| Average equity | $126,047,200 | 783 |
| Average total loans | $726,748,400 | 854 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4357% | 4,305 |
| Cost of funding earning assets | 1.1055% | 528 |
| Net interest margin | 2.3302% | 4,768 |
| Noninterest income to average assets | 2.2108% | 287 |
| Noninterest expense to average assets | 2.1419% | 3,845 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.2678% | 186 |
| Return on assets (ROA) | 2.2678% | 196 |
| Pretax return on assets | 2.2678% | 300 |
| Return on Equity (ROE) | 19.2538% | 280 |
| Retained earnings to average equity (ytd only) | 14.8265% | 208 |
| Net charge-offs to loans | -0.0476% | 4,658 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5722% | 4,578 |
| Assets per employee ($millions) | 5.5375% | 2,673 |
| Cash dividends to net income (ytd only)* | 22.9945% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4659% | 1,485 |
| Loan loss allowance to noncurrent loans | 207.5687% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,240 |
| Noncurrent loans to loans | 0.7062% | 2,028 |
| Net loans and leases to total assets | 66.0720% | 2,510 |
| Net loans and leases to deposits | 75.7425% | 2,780 |
| Net loans and leases to core deposits | 81.7458% | 2,678 |
| Total domestic deposits to total assets | 87.2323% | 1,565 |
| Equity capital to assets | 12.0639% | 1,636 |
| Core capital (leverage) ratio | 12.2225% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5578% | 347 |
| Memoranda: | ||
| Average total assets | $1,042,907,750 | 833 |
| Average earning assets | $984,165,000 | 812 |
| Average equity | $122,840,250 | 794 |
| Average total loans | $751,303,750 | 817 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5355% | 4,366 |
| Cost of funding earning assets | 1.1855% | 529 |
| Net interest margin | 2.3500% | 4,817 |
| Noninterest income to average assets | 0.8986% | 1,176 |
| Noninterest expense to average assets | 1.8251% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2907% | 1,383 |
| Return on assets (ROA) | 1.2907% | 1,495 |
| Pretax return on assets | 1.2907% | 2,063 |
| Return on Equity (ROE) | 11.0524% | 1,614 |
| Retained earnings to average equity (ytd only) | 6.3693% | 1,913 |
| Net charge-offs to loans | -0.0214% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5761% | 3,614 |
| Assets per employee ($millions) | 5.9796% | 2,202 |
| Cash dividends to net income (ytd only)* | 42.3721% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,823 |
| Loan loss allowance to noncurrent loans | 231.1033% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.4435% | 2,541 |
| Noncurrent loans to loans | 0.5801% | 2,414 |
| Net loans and leases to total assets | 72.8468% | 1,578 |
| Net loans and leases to deposits | 82.7238% | 2,119 |
| Net loans and leases to core deposits | 89.2336% | 2,137 |
| Total domestic deposits to total assets | 88.0603% | 1,141 |
| Equity capital to assets | 11.4398% | 2,012 |
| Core capital (leverage) ratio | 11.5690% | 1,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1967% | 487 |
| Memoranda: | ||
| Average total assets | $1,026,915,333 | 827 |
| Average earning assets | $968,861,000 | 809 |
| Average equity | $119,919,333 | 806 |
| Average total loans | $757,907,667 | 801 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,460 |
| Cost of funding earning assets | 1.2770% | 601 |
| Net interest margin | 2.3790% | 4,887 |
| Noninterest income to average assets | 0.9883% | 883 |
| Noninterest expense to average assets | 1.8386% | 4,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3938% | 1,002 |
| Return on assets (ROA) | 1.3938% | 1,081 |
| Pretax return on assets | 1.3938% | 1,582 |
| Return on Equity (ROE) | 11.8086% | 1,155 |
| Retained earnings to average equity (ytd only) | 7.0926% | 1,505 |
| Net charge-offs to loans | -0.0328% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8798% | 4,125 |
| Assets per employee ($millions) | 5.8891% | 1,765 |
| Cash dividends to net income (ytd only)* | 39.9374% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,669 |
| Loan loss allowance to noncurrent loans | 332.1541% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 3,108 |
| Noncurrent loans to loans | 0.4236% | 2,974 |
| Net loans and leases to total assets | 72.3249% | 1,869 |
| Net loans and leases to deposits | 82.5280% | 2,383 |
| Net loans and leases to core deposits | 89.3457% | 2,407 |
| Total domestic deposits to total assets | 87.6368% | 1,256 |
| Equity capital to assets | 11.7837% | 2,223 |
| Core capital (leverage) ratio | 11.9821% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7584% | 404 |
| Memoranda: | ||
| Average total assets | $1,008,185,000 | 814 |
| Average earning assets | $951,003,000 | 791 |
| Average equity | $118,998,000 | 805 |
| Average total loans | $743,911,500 | 799 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 4,361 |
| Cost of funding earning assets | 1.3271% | 711 |
| Net interest margin | 2.6153% | 4,899 |
| Noninterest income to average assets | 1.1396% | 721 |
| Noninterest expense to average assets | 1.6726% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.9305% | 407 |
| Return on assets (ROA) | 1.9305% | 423 |
| Pretax return on assets | 1.9305% | 694 |
| Return on Equity (ROE) | 15.9016% | 551 |
| Retained earnings to average equity (ytd only) | 3.2471% | 3,392 |
| Net charge-offs to loans | -0.0431% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4210% | 4,896 |
| Assets per employee ($millions) | 6.0094% | 1,627 |
| Cash dividends to net income (ytd only)* | 79.5804% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 1,483 |
| Loan loss allowance to noncurrent loans | 293.7623% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3795% | 2,897 |
| Noncurrent loans to loans | 0.4807% | 2,746 |
| Net loans and leases to total assets | 73.1784% | 1,893 |
| Net loans and leases to deposits | 83.4189% | 2,397 |
| Net loans and leases to core deposits | 90.2016% | 2,404 |
| Total domestic deposits to total assets | 87.7240% | 1,262 |
| Equity capital to assets | 11.8231% | 2,260 |
| Core capital (leverage) ratio | 10.8285% | 2,657 |
| Tier 1 risk-based capital ratio | 22.6623% | 947 |
| Total risk-based capital ratio | 23.9507% | 930 |
| Memoranda: | ||
| Average total assets | $967,766,400 | 805 |
| Average earning assets | $911,605,000 | 792 |
| Average equity | $117,491,000 | 776 |
| Average total loans | $763,657,200 | 745 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 4,395 |
| Cost of funding earning assets | 1.3189% | 747 |
| Net interest margin | 2.6641% | 4,965 |
| Noninterest income to average assets | 0.9797% | 974 |
| Noninterest expense to average assets | 1.5801% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9072% | 484 |
| Return on assets (ROA) | 1.9072% | 502 |
| Pretax return on assets | 1.9072% | 851 |
| Return on Equity (ROE) | 15.6039% | 672 |
| Retained earnings to average equity (ytd only) | 8.3500% | 1,266 |
| Net charge-offs to loans | -0.0281% | 4,679 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3101% | 4,964 |
| Assets per employee ($millions) | 6.2668% | 1,413 |
| Cash dividends to net income (ytd only)* | 46.4876% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,761 |
| Loan loss allowance to noncurrent loans | 310.7218% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3563% | 3,079 |
| Noncurrent loans to loans | 0.4351% | 3,006 |
| Net loans and leases to total assets | 74.8694% | 1,672 |
| Net loans and leases to deposits | 85.8718% | 2,208 |
| Net loans and leases to core deposits | 92.8592% | 2,284 |
| Total domestic deposits to total assets | 87.1873% | 1,436 |
| Equity capital to assets | 12.1153% | 2,174 |
| Core capital (leverage) ratio | 11.3507% | 2,341 |
| Tier 1 risk-based capital ratio | 22.7165% | 982 |
| Total risk-based capital ratio | 24.0021% | 953 |
| Memoranda: | ||
| Average total assets | $960,317,750 | 813 |
| Average earning assets | $903,943,750 | 797 |
| Average equity | $117,378,000 | 773 |
| Average total loans | $769,458,000 | 740 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9610% | 4,462 |
| Cost of funding earning assets | 1.2812% | 783 |
| Net interest margin | 2.6798% | 5,019 |
| Noninterest income to average assets | 1.0446% | 793 |
| Noninterest expense to average assets | 1.6698% | 5,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8983% | 486 |
| Return on assets (ROA) | 1.8983% | 506 |
| Pretax return on assets | 1.8983% | 841 |
| Return on Equity (ROE) | 15.4830% | 672 |
| Retained earnings to average equity (ytd only) | 8.0423% | 1,376 |
| Net charge-offs to loans | -0.0300% | 4,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7982% | 4,954 |
| Assets per employee ($millions) | 5.9103% | 1,608 |
| Cash dividends to net income (ytd only)* | 48.0570% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,798 |
| Loan loss allowance to noncurrent loans | 247.3316% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 2,692 |
| Noncurrent loans to loans | 0.5475% | 2,628 |
| Net loans and leases to total assets | 77.4477% | 1,322 |
| Net loans and leases to deposits | 89.1257% | 1,841 |
| Net loans and leases to core deposits | 96.4119% | 2,027 |
| Total domestic deposits to total assets | 86.8972% | 1,641 |
| Equity capital to assets | 12.3308% | 1,955 |
| Core capital (leverage) ratio | 11.2931% | 2,339 |
| Tier 1 risk-based capital ratio | 22.0937% | 1,044 |
| Total risk-based capital ratio | 23.3804% | 1,018 |
| Memoranda: | ||
| Average total assets | $946,194,330 | 820 |
| Average earning assets | $891,040,000 | 803 |
| Average equity | $116,011,000 | 774 |
| Average total loans | $772,279,330 | 739 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8693% | 4,606 |
| Cost of funding earning assets | 1.2247% | 840 |
| Net interest margin | 2.6446% | 5,108 |
| Noninterest income to average assets | 0.9322% | 964 |
| Noninterest expense to average assets | 1.8033% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6152% | 868 |
| Return on assets (ROA) | 1.6152% | 901 |
| Pretax return on assets | 1.6152% | 1,429 |
| Return on Equity (ROE) | 13.2124% | 1,152 |
| Retained earnings to average equity (ytd only) | 3.4340% | 3,541 |
| Net charge-offs to loans | -0.0113% | 4,267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7518% | 4,635 |
| Assets per employee ($millions) | 5.6068% | 1,877 |
| Cash dividends to net income (ytd only)* | 74.0095% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,020 |
| Loan loss allowance to noncurrent loans | 247.3312% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 2,683 |
| Noncurrent loans to loans | 0.5318% | 2,718 |
| Net loans and leases to total assets | 80.8353% | 730 |
| Net loans and leases to deposits | 92.9609% | 1,288 |
| Net loans and leases to core deposits | 99.9337% | 1,631 |
| Total domestic deposits to total assets | 86.9562% | 1,837 |
| Equity capital to assets | 12.2208% | 1,898 |
| Core capital (leverage) ratio | 11.3689% | 2,232 |
| Tier 1 risk-based capital ratio | 20.9619% | 1,168 |
| Total risk-based capital ratio | 22.2480% | 1,146 |
| Memoranda: | ||
| Average total assets | $937,599,500 | 830 |
| Average earning assets | $881,499,000 | 819 |
| Average equity | $114,620,000 | 779 |
| Average total loans | $780,238,500 | 733 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8003% | 4,489 |
| Cost of funding earning assets | 0.9488% | 928 |
| Net interest margin | 2.8515% | 4,968 |
| Noninterest income to average assets | 1.0636% | 825 |
| Noninterest expense to average assets | 1.9385% | 4,838 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.8017% | 549 |
| Return on assets (ROA) | 1.8017% | 542 |
| Pretax return on assets | 1.8017% | 913 |
| Return on Equity (ROE) | 15.1676% | 790 |
| Retained earnings to average equity (ytd only) | 6.8783% | 1,721 |
| Net charge-offs to loans | -0.0464% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8300% | 4,810 |
| Assets per employee ($millions) | 5.6906% | 1,779 |
| Cash dividends to net income (ytd only)* | 54.6511% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,128 |
| Loan loss allowance to noncurrent loans | 232.4076% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.5134% | 2,540 |
| Noncurrent loans to loans | 0.5523% | 2,615 |
| Net loans and leases to total assets | 83.4476% | 460 |
| Net loans and leases to deposits | 95.8251% | 1,087 |
| Net loans and leases to core deposits | 102.7802% | 1,518 |
| Total domestic deposits to total assets | 87.0833% | 1,747 |
| Equity capital to assets | 12.2289% | 1,742 |
| Core capital (leverage) ratio | 11.2442% | 2,314 |
| Tier 1 risk-based capital ratio | 20.3935% | 1,244 |
| Total risk-based capital ratio | 21.6779% | 1,216 |
| Memoranda: | ||
| Average total assets | $931,423,800 | 816 |
| Average earning assets | $874,275,200 | 808 |
| Average equity | $110,637,000 | 774 |
| Average total loans | $790,947,400 | 710 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 4,405 |
| Cost of funding earning assets | 0.8852% | 982 |
| Net interest margin | 2.9301% | 4,935 |
| Noninterest income to average assets | 0.9236% | 1,128 |
| Noninterest expense to average assets | 1.9130% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7621% | 648 |
| Return on assets (ROA) | 1.7621% | 648 |
| Pretax return on assets | 1.7621% | 1,106 |
| Return on Equity (ROE) | 14.9456% | 889 |
| Retained earnings to average equity (ytd only) | 8.2065% | 1,555 |
| Net charge-offs to loans | -0.0536% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0518% | 4,807 |
| Assets per employee ($millions) | 5.4570% | 1,957 |
| Cash dividends to net income (ytd only)* | 45.0910% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,181 |
| Loan loss allowance to noncurrent loans | 154.7689% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7574% | 1,956 |
| Noncurrent loans to loans | 0.8284% | 2,050 |
| Net loans and leases to total assets | 82.6594% | 610 |
| Net loans and leases to deposits | 94.8449% | 1,282 |
| Net loans and leases to core deposits | 101.7711% | 1,632 |
| Total domestic deposits to total assets | 87.1523% | 1,669 |
| Equity capital to assets | 12.0683% | 1,859 |
| Core capital (leverage) ratio | 11.1112% | 2,481 |
| Tier 1 risk-based capital ratio | 20.0704% | 1,325 |
| Total risk-based capital ratio | 21.3547% | 1,284 |
| Memoranda: | ||
| Average total assets | $930,964,000 | 815 |
| Average earning assets | $874,203,250 | 809 |
| Average equity | $109,764,250 | 776 |
| Average total loans | $791,456,250 | 705 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,443 |
| Cost of funding earning assets | 0.8218% | 1,037 |
| Net interest margin | 2.9395% | 4,964 |
| Noninterest income to average assets | 0.9948% | 972 |
| Noninterest expense to average assets | 1.9547% | 4,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7988% | 581 |
| Return on assets (ROA) | 1.7988% | 585 |
| Pretax return on assets | 1.7988% | 966 |
| Return on Equity (ROE) | 15.3783% | 778 |
| Retained earnings to average equity (ytd only) | 8.4903% | 1,413 |
| Net charge-offs to loans | -0.0403% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0776% | 4,884 |
| Assets per employee ($millions) | 5.1328% | 2,258 |
| Cash dividends to net income (ytd only)* | 44.7904% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,427 |
| Loan loss allowance to noncurrent loans | 137.5156% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8728% | 1,716 |
| Noncurrent loans to loans | 0.9101% | 1,902 |
| Net loans and leases to total assets | 83.7792% | 479 |
| Net loans and leases to deposits | 95.9169% | 1,150 |
| Net loans and leases to core deposits | 102.8278% | 1,503 |
| Total domestic deposits to total assets | 87.3457% | 1,706 |
| Equity capital to assets | 11.8960% | 1,926 |
| Core capital (leverage) ratio | 10.8072% | 2,689 |
| Tier 1 risk-based capital ratio | 19.1131% | 1,526 |
| Total risk-based capital ratio | 20.3968% | 1,479 |
| Memoranda: | ||
| Average total assets | $928,415,670 | 818 |
| Average earning assets | $871,309,330 | 813 |
| Average equity | $108,594,330 | 783 |
| Average total loans | $793,299,670 | 700 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 4,573 |
| Cost of funding earning assets | 0.7785% | 1,059 |
| Net interest margin | 2.8802% | 5,061 |
| Noninterest income to average assets | 0.7831% | 1,507 |
| Noninterest expense to average assets | 1.8294% | 5,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6544% | 758 |
| Return on assets (ROA) | 1.6544% | 762 |
| Pretax return on assets | 1.6544% | 1,229 |
| Return on Equity (ROE) | 14.2666% | 951 |
| Retained earnings to average equity (ytd only) | 6.0376% | 2,696 |
| Net charge-offs to loans | -0.0005% | 3,741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5121% | 4,926 |
| Assets per employee ($millions) | 5.0357% | 2,440 |
| Cash dividends to net income (ytd only)* | 57.6803% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,697 |
| Loan loss allowance to noncurrent loans | 131.8384% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 1,756 |
| Noncurrent loans to loans | 0.9242% | 1,968 |
| Net loans and leases to total assets | 85.8630% | 270 |
| Net loans and leases to deposits | 98.0885% | 850 |
| Net loans and leases to core deposits | 105.0591% | 1,308 |
| Total domestic deposits to total assets | 87.5363% | 1,877 |
| Equity capital to assets | 11.7345% | 1,963 |
| Core capital (leverage) ratio | 10.6751% | 2,762 |
| Tier 1 risk-based capital ratio | 18.3255% | 1,738 |
| Total risk-based capital ratio | 19.6081% | 1,699 |
| Memoranda: | ||
| Average total assets | $925,543,000 | 829 |
| Average earning assets | $867,858,000 | 819 |
| Average equity | $107,327,500 | 788 |
| Average total loans | $793,673,500 | 698 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4959% | 4,793 |
| Cost of funding earning assets | 0.7217% | 920 |
| Net interest margin | 2.7741% | 5,204 |
| Noninterest income to average assets | 1.3327% | 592 |
| Noninterest expense to average assets | 1.8629% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.0373% | 261 |
| Return on assets (ROA) | 2.0376% | 267 |
| Pretax return on assets | 2.0376% | 449 |
| Return on Equity (ROE) | 18.8772% | 247 |
| Retained earnings to average equity (ytd only) | 10.2788% | 317 |
| Net charge-offs to loans | -0.0716% | 5,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7643% | 5,330 |
| Assets per employee ($millions) | 5.0246% | 2,449 |
| Cash dividends to net income (ytd only)* | 45.5491% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2411% | 2,525 |
| Loan loss allowance to noncurrent loans | 132.0926% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8813% | 1,770 |
| Noncurrent loans to loans | 0.9396% | 1,897 |
| Net loans and leases to total assets | 83.5426% | 495 |
| Net loans and leases to deposits | 94.9972% | 1,178 |
| Net loans and leases to core deposits | 101.4307% | 1,595 |
| Total domestic deposits to total assets | 87.9421% | 1,538 |
| Equity capital to assets | 11.4590% | 2,230 |
| Core capital (leverage) ratio | 10.3474% | 3,018 |
| Tier 1 risk-based capital ratio | 18.2963% | 1,716 |
| Total risk-based capital ratio | 19.5810% | 1,657 |
| Memoranda: | ||
| Average total assets | $929,534,200 | 800 |
| Average earning assets | $860,274,600 | 795 |
| Average equity | $100,332,600 | 824 |
| Average total loans | $735,065,000 | 717 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5069% | 4,800 |
| Cost of funding earning assets | 0.7098% | 922 |
| Net interest margin | 2.7971% | 5,222 |
| Noninterest income to average assets | 1.2062% | 718 |
| Noninterest expense to average assets | 1.9806% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.8070% | 464 |
| Return on assets (ROA) | 1.8075% | 472 |
| Pretax return on assets | 1.8075% | 874 |
| Return on Equity (ROE) | 17.0073% | 420 |
| Retained earnings to average equity (ytd only) | 7.6189% | 1,380 |
| Net charge-offs to loans | -0.0609% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2911% | 5,075 |
| Assets per employee ($millions) | 4.5676% | 3,017 |
| Cash dividends to net income (ytd only)* | 55.2020% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,912 |
| Loan loss allowance to noncurrent loans | 153.0570% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7684% | 2,216 |
| Noncurrent loans to loans | 0.7866% | 2,395 |
| Net loans and leases to total assets | 83.8115% | 453 |
| Net loans and leases to deposits | 95.2555% | 1,177 |
| Net loans and leases to core deposits | 101.4953% | 1,581 |
| Total domestic deposits to total assets | 87.9860% | 1,373 |
| Equity capital to assets | 10.8772% | 2,982 |
| Core capital (leverage) ratio | 9.8413% | 3,768 |
| Tier 1 risk-based capital ratio | 17.8999% | 1,880 |
| Total risk-based capital ratio | 19.1868% | 1,824 |
| Memoranda: | ||
| Average total assets | $929,530,500 | 805 |
| Average earning assets | $857,870,250 | 799 |
| Average equity | $98,786,500 | 839 |
| Average total loans | $722,249,250 | 728 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,784 |
| Cost of funding earning assets | 0.7064% | 867 |
| Net interest margin | 2.7877% | 5,264 |
| Noninterest income to average assets | 1.3884% | 556 |
| Noninterest expense to average assets | 2.0180% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.9378% | 347 |
| Return on assets (ROA) | 1.9384% | 356 |
| Pretax return on assets | 1.9384% | 603 |
| Return on Equity (ROE) | 18.3848% | 303 |
| Retained earnings to average equity (ytd only) | 7.5037% | 1,350 |
| Net charge-offs to loans | -0.0748% | 5,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0142% | 5,244 |
| Assets per employee ($millions) | 4.7370% | 2,738 |
| Cash dividends to net income (ytd only)* | 59.1855% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,618 |
| Loan loss allowance to noncurrent loans | 139.6587% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.8506% | 2,080 |
| Noncurrent loans to loans | 0.9029% | 2,173 |
| Net loans and leases to total assets | 80.4767% | 880 |
| Net loans and leases to deposits | 91.8548% | 1,516 |
| Net loans and leases to core deposits | 97.3979% | 1,859 |
| Total domestic deposits to total assets | 87.6129% | 1,653 |
| Equity capital to assets | 10.8120% | 3,020 |
| Core capital (leverage) ratio | 9.6120% | 4,008 |
| Tier 1 risk-based capital ratio | 18.3545% | 1,761 |
| Total risk-based capital ratio | 19.6447% | 1,708 |
| Memoranda: | ||
| Average total assets | $927,255,330 | 811 |
| Average earning assets | $853,951,330 | 810 |
| Average equity | $97,765,670 | 849 |
| Average total loans | $698,220,000 | 747 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1254% | 2,566 |
| Cost of funding earning assets | 0.7043% | 827 |
| Net interest margin | 3.4210% | 3,565 |
| Noninterest income to average assets | 1.3050% | 602 |
| Noninterest expense to average assets | 2.4473% | 3,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.0073% | 300 |
| Return on assets (ROA) | 2.0073% | 311 |
| Pretax return on assets | 2.0073% | 496 |
| Return on Equity (ROE) | 19.2820% | 263 |
| Retained earnings to average equity (ytd only) | 4.1939% | 3,358 |
| Net charge-offs to loans | -0.1192% | 5,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9391% | 5,048 |
| Assets per employee ($millions) | 5.1352% | 2,262 |
| Cash dividends to net income (ytd only)* | 78.2497% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 1,935 |
| Loan loss allowance to noncurrent loans | 123.8414% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.9605% | 1,914 |
| Noncurrent loans to loans | 1.1570% | 1,755 |
| Net loans and leases to total assets | 70.2022% | 2,342 |
| Net loans and leases to deposits | 79.4666% | 2,816 |
| Net loans and leases to core deposits | 84.1705% | 2,885 |
| Total domestic deposits to total assets | 88.3418% | 1,515 |
| Equity capital to assets | 10.5177% | 3,161 |
| Core capital (leverage) ratio | 9.2919% | 4,356 |
| Tier 1 risk-based capital ratio | 19.2917% | 1,538 |
| Total risk-based capital ratio | 20.5872% | 1,503 |
| Memoranda: | ||
| Average total assets | $929,023,000 | 807 |
| Average earning assets | $855,295,000 | 816 |
| Average equity | $96,712,000 | 855 |
| Average total loans | $670,893,500 | 785 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1303% | 5,377 |
| Cost of funding earning assets | 0.7124% | 774 |
| Net interest margin | 2.4179% | 5,636 |
| Noninterest income to average assets | 2.5286% | 249 |
| Noninterest expense to average assets | 2.4369% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.2958% | 199 |
| Return on assets (ROA) | 2.2958% | 209 |
| Pretax return on assets | 2.2958% | 275 |
| Return on Equity (ROE) | 21.7582% | 154 |
| Retained earnings to average equity (ytd only) | 6.5195% | 1,448 |
| Net charge-offs to loans | -0.0905% | 5,559 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4911% | 5,412 |
| Assets per employee ($millions) | 5.1873% | 2,198 |
| Cash dividends to net income (ytd only)* | 70.0366% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,297 |
| Loan loss allowance to noncurrent loans | 87.7078% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.2727% | 1,398 |
| Noncurrent loans to loans | 1.5403% | 1,297 |
| Net loans and leases to total assets | 72.2083% | 2,140 |
| Net loans and leases to deposits | 81.5019% | 2,726 |
| Net loans and leases to core deposits | 86.0343% | 2,846 |
| Total domestic deposits to total assets | 88.5971% | 1,325 |
| Equity capital to assets | 10.3035% | 3,382 |
| Core capital (leverage) ratio | 9.3928% | 4,228 |
| Tier 1 risk-based capital ratio | 18.9775% | 1,605 |
| Total risk-based capital ratio | 20.2601% | 1,563 |
| Memoranda: | ||
| Average total assets | $904,781,400 | 794 |
| Average earning assets | $824,820,200 | 809 |
| Average equity | $95,467,400 | 836 |
| Average total loans | $678,331,800 | 736 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1439% | 5,431 |
| Cost of funding earning assets | 0.7012% | 809 |
| Net interest margin | 2.4427% | 5,690 |
| Noninterest income to average assets | 2.2407% | 301 |
| Noninterest expense to average assets | 2.1254% | 4,956 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.3385% | 202 |
| Return on assets (ROA) | 2.3385% | 212 |
| Pretax return on assets | 2.3385% | 288 |
| Return on Equity (ROE) | 22.0279% | 158 |
| Retained earnings to average equity (ytd only) | 16.5608% | 99 |
| Net charge-offs to loans | -0.1292% | 5,656 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6140% | 5,606 |
| Assets per employee ($millions) | 5.0396% | 2,322 |
| Cash dividends to net income (ytd only)* | 24.8189% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 2,754 |
| Loan loss allowance to noncurrent loans | 83.4308% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2628% | 1,543 |
| Noncurrent loans to loans | 1.5432% | 1,404 |
| Net loans and leases to total assets | 75.0560% | 1,693 |
| Net loans and leases to deposits | 84.7562% | 2,396 |
| Net loans and leases to core deposits | 89.4395% | 2,632 |
| Total domestic deposits to total assets | 88.5553% | 1,128 |
| Equity capital to assets | 10.7463% | 3,317 |
| Core capital (leverage) ratio | 10.1843% | 3,349 |
| Tier 1 risk-based capital ratio | 19.4466% | 1,562 |
| Total risk-based capital ratio | 20.7256% | 1,516 |
| Memoranda: | ||
| Average total assets | $897,548,750 | 805 |
| Average earning assets | $816,884,250 | 815 |
| Average equity | $95,283,000 | 839 |
| Average total loans | $677,052,000 | 736 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 5,485 |
| Cost of funding earning assets | 0.7215% | 717 |
| Net interest margin | 2.4408% | 5,775 |
| Noninterest income to average assets | 2.3516% | 277 |
| Noninterest expense to average assets | 2.8375% | 2,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7216% | 559 |
| Return on assets (ROA) | 1.7216% | 587 |
| Pretax return on assets | 1.7216% | 1,043 |
| Return on Equity (ROE) | 16.2891% | 499 |
| Retained earnings to average equity (ytd only) | 7.8964% | 1,203 |
| Net charge-offs to loans | 0.0220% | 3,053 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 103.8767% | 554 |
| Efficiency ratio | 62.2379% | 4,310 |
| Assets per employee ($millions) | 4.9311% | 2,380 |
| Cash dividends to net income (ytd only)* | 51.5231% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,856 |
| Loan loss allowance to noncurrent loans | 74.5920% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 1,514 |
| Noncurrent loans to loans | 1.7272% | 1,222 |
| Net loans and leases to total assets | 72.5589% | 2,079 |
| Net loans and leases to deposits | 82.1188% | 2,700 |
| Net loans and leases to core deposits | 86.7352% | 2,836 |
| Total domestic deposits to total assets | 88.3584% | 1,242 |
| Equity capital to assets | 10.4160% | 3,723 |
| Core capital (leverage) ratio | 9.5423% | 4,148 |
| Tier 1 risk-based capital ratio | 18.5369% | 1,789 |
| Total risk-based capital ratio | 19.8176% | 1,749 |
| Memoranda: | ||
| Average total assets | $880,915,670 | 823 |
| Average earning assets | $796,695,670 | 836 |
| Average equity | $93,105,330 | 859 |
| Average total loans | $662,605,330 | 746 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2506% | 5,413 |
| Cost of funding earning assets | 0.7151% | 750 |
| Net interest margin | 2.5355% | 5,777 |
| Noninterest income to average assets | 2.6946% | 230 |
| Noninterest expense to average assets | 3.1851% | 1,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7996% | 464 |
| Return on assets (ROA) | 1.7996% | 496 |
| Pretax return on assets | 1.7996% | 847 |
| Return on Equity (ROE) | 16.9002% | 452 |
| Retained earnings to average equity (ytd only) | 7.0968% | 1,843 |
| Net charge-offs to loans | 0.0350% | 2,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 67.5000% | 721 |
| Efficiency ratio | 63.8971% | 4,143 |
| Assets per employee ($millions) | 4.8288% | 2,536 |
| Cash dividends to net income (ytd only)* | 58.0077% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 2,668 |
| Loan loss allowance to noncurrent loans | 70.4899% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 1,490 |
| Noncurrent loans to loans | 1.9129% | 1,135 |
| Net loans and leases to total assets | 71.2681% | 2,145 |
| Net loans and leases to deposits | 80.7374% | 2,702 |
| Net loans and leases to core deposits | 84.7178% | 2,872 |
| Total domestic deposits to total assets | 88.2715% | 1,489 |
| Equity capital to assets | 10.6371% | 3,327 |
| Core capital (leverage) ratio | 9.8355% | 3,734 |
| Tier 1 risk-based capital ratio | 19.0730% | 1,719 |
| Total risk-based capital ratio | 20.3552% | 1,672 |
| Memoranda: | ||
| Average total assets | $870,179,500 | 841 |
| Average earning assets | $785,953,500 | 851 |
| Average equity | $92,661,500 | 858 |
| Average total loans | $662,253,500 | 750 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 4,270 |
| Cost of funding earning assets | 0.6664% | 981 |
| Net interest margin | 3.0648% | 4,995 |
| Noninterest income to average assets | 2.1542% | 315 |
| Noninterest expense to average assets | 2.9358% | 2,743 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.9507% | 376 |
| Return on assets (ROA) | 1.9507% | 386 |
| Pretax return on assets | 1.9507% | 601 |
| Return on Equity (ROE) | 18.0199% | 377 |
| Retained earnings to average equity (ytd only) | 5.1121% | 2,340 |
| Net charge-offs to loans | -0.0050% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0804% | 4,900 |
| Assets per employee ($millions) | 4.6569% | 2,799 |
| Cash dividends to net income (ytd only)* | 71.6309% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 3,171 |
| Loan loss allowance to noncurrent loans | 68.1505% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 1,354 |
| Noncurrent loans to loans | 1.8339% | 1,183 |
| Net loans and leases to total assets | 79.0458% | 981 |
| Net loans and leases to deposits | 96.0230% | 1,006 |
| Net loans and leases to core deposits | 100.8853% | 1,445 |
| Total domestic deposits to total assets | 82.3197% | 4,079 |
| Equity capital to assets | 10.6603% | 3,181 |
| Core capital (leverage) ratio | 10.1992% | 3,264 |
| Tier 1 risk-based capital ratio | 18.9799% | 1,705 |
| Total risk-based capital ratio | 20.2534% | 1,660 |
| Memoranda: | ||
| Average total assets | $839,553,200 | 824 |
| Average earning assets | $748,454,800 | 855 |
| Average equity | $90,883,000 | 835 |
| Average total loans | $665,057,400 | 707 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,174 |
| Cost of funding earning assets | 0.6520% | 1,079 |
| Net interest margin | 3.1212% | 4,908 |
| Noninterest income to average assets | 2.3249% | 288 |
| Noninterest expense to average assets | 2.6597% | 3,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4524% | 171 |
| Return on assets (ROA) | 2.4524% | 178 |
| Pretax return on assets | 2.4524% | 256 |
| Return on Equity (ROE) | 22.5654% | 177 |
| Retained earnings to average equity (ytd only) | 6.9442% | 1,718 |
| Net charge-offs to loans | -0.0358% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0279% | 5,652 |
| Assets per employee ($millions) | 4.5138% | 2,987 |
| Cash dividends to net income (ytd only)* | 69.2263% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,723 |
| Loan loss allowance to noncurrent loans | 81.9125% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 1.3837% | 1,661 |
| Noncurrent loans to loans | 1.6777% | 1,454 |
| Net loans and leases to total assets | 75.7224% | 1,427 |
| Net loans and leases to deposits | 86.0374% | 2,132 |
| Net loans and leases to core deposits | 92.7172% | 2,197 |
| Total domestic deposits to total assets | 88.0110% | 1,546 |
| Equity capital to assets | 11.0669% | 2,945 |
| Core capital (leverage) ratio | 10.4916% | 3,059 |
| Tier 1 risk-based capital ratio | 20.4371% | 1,445 |
| Total risk-based capital ratio | 21.7142% | 1,407 |
| Memoranda: | ||
| Average total assets | $834,062,000 | 838 |
| Average earning assets | $744,777,500 | 861 |
| Average equity | $90,643,750 | 844 |
| Average total loans | $658,918,500 | 715 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8136% | 4,015 |
| Cost of funding earning assets | 0.6317% | 1,223 |
| Net interest margin | 3.1819% | 4,711 |
| Noninterest income to average assets | 2.0274% | 364 |
| Noninterest expense to average assets | 2.5933% | 3,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2987% | 221 |
| Return on assets (ROA) | 2.2987% | 233 |
| Pretax return on assets | 2.2987% | 340 |
| Return on Equity (ROE) | 21.2812% | 223 |
| Retained earnings to average equity (ytd only) | 14.1166% | 230 |
| Net charge-offs to loans | -0.0495% | 5,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0103% | 5,650 |
| Assets per employee ($millions) | 4.8155% | 2,517 |
| Cash dividends to net income (ytd only)* | 33.6667% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2935% | 3,275 |
| Loan loss allowance to noncurrent loans | 77.6280% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 1,643 |
| Noncurrent loans to loans | 1.6663% | 1,563 |
| Net loans and leases to total assets | 78.7929% | 961 |
| Net loans and leases to deposits | 93.5514% | 1,198 |
| Net loans and leases to core deposits | 99.8824% | 1,499 |
| Total domestic deposits to total assets | 84.2242% | 3,477 |
| Equity capital to assets | 11.0392% | 2,845 |
| Core capital (leverage) ratio | 10.3484% | 3,149 |
| Tier 1 risk-based capital ratio | 19.1092% | 1,772 |
| Total risk-based capital ratio | 20.3815% | 1,734 |
| Memoranda: | ||
| Average total assets | $835,239,330 | 841 |
| Average earning assets | $751,935,330 | 853 |
| Average equity | $90,220,330 | 851 |
| Average total loans | $666,004,670 | 704 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0318% | 3,117 |
| Cost of funding earning assets | 0.6229% | 1,284 |
| Net interest margin | 3.4089% | 3,809 |
| Noninterest income to average assets | 1.3287% | 649 |
| Noninterest expense to average assets | 2.6337% | 3,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7817% | 497 |
| Return on assets (ROA) | 1.7817% | 524 |
| Pretax return on assets | 1.7817% | 895 |
| Return on Equity (ROE) | 16.6821% | 499 |
| Retained earnings to average equity (ytd only) | 12.2597% | 539 |
| Net charge-offs to loans | -0.0926% | 5,826 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6482% | 5,140 |
| Assets per employee ($millions) | 5.0149% | 2,338 |
| Cash dividends to net income (ytd only)* | 26.5096% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 3,597 |
| Loan loss allowance to noncurrent loans | 71.2806% | 4,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 1,686 |
| Noncurrent loans to loans | 1.7771% | 1,531 |
| Net loans and leases to total assets | 79.4321% | 748 |
| Net loans and leases to deposits | 94.8292% | 908 |
| Net loans and leases to core deposits | 97.8591% | 1,485 |
| Total domestic deposits to total assets | 83.7633% | 3,904 |
| Equity capital to assets | 10.4842% | 3,552 |
| Core capital (leverage) ratio | 10.2446% | 3,286 |
| Tier 1 risk-based capital ratio | 18.9882% | 1,873 |
| Total risk-based capital ratio | 20.2619% | 1,825 |
| Memoranda: | ||
| Average total assets | $829,092,500 | 849 |
| Average earning assets | $750,735,000 | 853 |
| Average equity | $88,550,000 | 875 |
| Average total loans | $660,733,500 | 708 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 5,334 |
| Cost of funding earning assets | 0.6792% | 1,211 |
| Net interest margin | 2.8123% | 5,787 |
| Noninterest income to average assets | 1.3731% | 651 |
| Noninterest expense to average assets | 2.2235% | 5,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6269% | 672 |
| Return on assets (ROA) | 1.6269% | 702 |
| Pretax return on assets | 1.6269% | 1,159 |
| Return on Equity (ROE) | 15.3941% | 712 |
| Retained earnings to average equity (ytd only) | 4.9418% | 2,643 |
| Net charge-offs to loans | 0.0262% | 4,302 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 88.5068% | 580 |
| Efficiency ratio | 57.7465% | 5,488 |
| Assets per employee ($millions) | 4.7375% | 2,671 |
| Cash dividends to net income (ytd only)* | 67.8983% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 3,138 |
| Loan loss allowance to noncurrent loans | 64.3601% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.7786% | 1,470 |
| Noncurrent loans to loans | 2.1121% | 1,292 |
| Net loans and leases to total assets | 77.8098% | 1,025 |
| Net loans and leases to deposits | 87.7254% | 1,769 |
| Net loans and leases to core deposits | 90.3508% | 2,240 |
| Total domestic deposits to total assets | 88.6970% | 1,413 |
| Equity capital to assets | 10.8904% | 3,025 |
| Core capital (leverage) ratio | 10.6367% | 2,794 |
| Tier 1 risk-based capital ratio | 18.2712% | 2,060 |
| Total risk-based capital ratio | 19.5286% | 2,015 |
| Memoranda: | ||
| Average total assets | $805,138,800 | 841 |
| Average earning assets | $709,250,400 | 865 |
| Average equity | $85,090,800 | 867 |
| Average total loans | $565,699,000 | 786 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2503% | 5,842 |
| Cost of funding earning assets | 0.6823% | 1,245 |
| Net interest margin | 2.5680% | 6,162 |
| Noninterest income to average assets | 1.4721% | 579 |
| Noninterest expense to average assets | 2.1020% | 5,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6165% | 720 |
| Return on assets (ROA) | 1.6165% | 750 |
| Pretax return on assets | 1.6165% | 1,274 |
| Return on Equity (ROE) | 15.4118% | 756 |
| Retained earnings to average equity (ytd only) | 8.1970% | 1,267 |
| Net charge-offs to loans | 0.0294% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 80.7848% | 700 |
| Efficiency ratio | 56.5285% | 5,611 |
| Assets per employee ($millions) | 4.2827% | 3,322 |
| Cash dividends to net income (ytd only)* | 46.8133% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 2,804 |
| Loan loss allowance to noncurrent loans | 66.0962% | 4,606 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 1,691 |
| Noncurrent loans to loans | 2.2456% | 1,346 |
| Net loans and leases to total assets | 71.3804% | 1,953 |
| Net loans and leases to deposits | 80.6667% | 2,597 |
| Net loans and leases to core deposits | 82.9951% | 3,000 |
| Total domestic deposits to total assets | 88.4882% | 1,506 |
| Equity capital to assets | 11.0114% | 2,947 |
| Core capital (leverage) ratio | 10.7584% | 2,749 |
| Tier 1 risk-based capital ratio | 19.2798% | 1,828 |
| Total risk-based capital ratio | 20.5382% | 1,800 |
| Memoranda: | ||
| Average total assets | $806,263,750 | 845 |
| Average earning assets | $705,275,250 | 873 |
| Average equity | $84,565,250 | 873 |
| Average total loans | $549,233,500 | 803 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8906% | 6,264 |
| Cost of funding earning assets | 0.6776% | 1,322 |
| Net interest margin | 2.2130% | 6,444 |
| Noninterest income to average assets | 1.4365% | 588 |
| Noninterest expense to average assets | 2.2152% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1630% | 1,712 |
| Return on assets (ROA) | 1.1630% | 1,781 |
| Pretax return on assets | 1.1630% | 2,824 |
| Return on Equity (ROE) | 11.2743% | 1,637 |
| Retained earnings to average equity (ytd only) | 3.8485% | 3,729 |
| Net charge-offs to loans | 0.0531% | 3,207 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.8601% | 1,189 |
| Efficiency ratio | 65.5726% | 4,429 |
| Assets per employee ($millions) | 4.2740% | 3,324 |
| Cash dividends to net income (ytd only)* | 65.8651% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4902% | 2,951 |
| Loan loss allowance to noncurrent loans | 69.0564% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 1.7170% | 1,904 |
| Noncurrent loans to loans | 2.1580% | 1,535 |
| Net loans and leases to total assets | 71.0641% | 1,910 |
| Net loans and leases to deposits | 80.0263% | 2,512 |
| Net loans and leases to core deposits | 82.2894% | 2,938 |
| Total domestic deposits to total assets | 88.8010% | 1,470 |
| Equity capital to assets | 10.5841% | 3,333 |
| Core capital (leverage) ratio | 10.3300% | 3,166 |
| Tier 1 risk-based capital ratio | 18.7090% | 1,999 |
| Total risk-based capital ratio | 19.9677% | 1,960 |
| Memoranda: | ||
| Average total assets | $808,061,000 | 842 |
| Average earning assets | $708,993,670 | 866 |
| Average equity | $83,358,000 | 882 |
| Average total loans | $538,885,000 | 811 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7980% | 6,400 |
| Cost of funding earning assets | 0.6810% | 1,355 |
| Net interest margin | 2.1170% | 6,557 |
| Noninterest income to average assets | 1.5370% | 502 |
| Noninterest expense to average assets | 2.6054% | 4,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7759% | 3,273 |
| Return on assets (ROA) | 0.7759% | 3,356 |
| Pretax return on assets | 0.7759% | 4,197 |
| Return on Equity (ROE) | 7.6190% | 3,138 |
| Retained earnings to average equity (ytd only) | -2.3833% | 5,898 |
| Net charge-offs to loans | -0.1292% | 6,223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0530% | 2,638 |
| Assets per employee ($millions) | 4.5059% | 2,967 |
| Cash dividends to net income (ytd only)* | 131.2817% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 2,370 |
| Loan loss allowance to noncurrent loans | 53.9870% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.1534% | 1,554 |
| Noncurrent loans to loans | 3.1393% | 993 |
| Net loans and leases to total assets | 63.6702% | 2,955 |
| Net loans and leases to deposits | 71.3315% | 3,430 |
| Net loans and leases to core deposits | 73.2777% | 3,734 |
| Total domestic deposits to total assets | 89.2596% | 1,499 |
| Equity capital to assets | 10.1712% | 3,638 |
| Core capital (leverage) ratio | 9.9172% | 3,684 |
| Tier 1 risk-based capital ratio | 18.7944% | 2,033 |
| Total risk-based capital ratio | 20.0548% | 1,986 |
| Memoranda: | ||
| Average total assets | $812,475,000 | 845 |
| Average earning assets | $707,782,500 | 876 |
| Average equity | $82,741,000 | 885 |
| Average total loans | $520,047,500 | 844 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3160% | 5,980 |
| Cost of funding earning assets | 0.7092% | 1,750 |
| Net interest margin | 2.6068% | 6,257 |
| Noninterest income to average assets | 3.2738% | 201 |
| Noninterest expense to average assets | 1.9296% | 6,142 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 3.6577% | 72 |
| Return on assets (ROA) | 3.6577% | 71 |
| Pretax return on assets | 3.6577% | 79 |
| Return on Equity (ROE) | 38.6356% | 31 |
| Retained earnings to average equity (ytd only) | 12.2332% | 292 |
| Net charge-offs to loans | -0.0424% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5357% | 6,740 |
| Assets per employee ($millions) | 4.3524% | 3,171 |
| Cash dividends to net income (ytd only)* | 68.3369% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 2,414 |
| Loan loss allowance to noncurrent loans | 63.5246% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 1.7704% | 2,093 |
| Noncurrent loans to loans | 2.6708% | 1,379 |
| Net loans and leases to total assets | 62.1773% | 3,330 |
| Net loans and leases to deposits | 69.4546% | 3,849 |
| Net loans and leases to core deposits | 71.3607% | 4,146 |
| Total domestic deposits to total assets | 89.5222% | 1,322 |
| Equity capital to assets | 10.1964% | 3,510 |
| Core capital (leverage) ratio | 9.9432% | 3,651 |
| Tier 1 risk-based capital ratio | 19.8497% | 1,687 |
| Total risk-based capital ratio | 21.1108% | 1,655 |
| Memoranda: | ||
| Average total assets | $815,706,400 | 813 |
| Average earning assets | $723,920,600 | 843 |
| Average equity | $77,224,200 | 921 |
| Average total loans | $587,118,600 | 709 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5903% | 5,467 |
| Cost of funding earning assets | 0.7083% | 1,899 |
| Net interest margin | 2.8820% | 5,855 |
| Noninterest income to average assets | 3.8511% | 182 |
| Noninterest expense to average assets | 2.2812% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 4.1344% | 56 |
| Return on assets (ROA) | 4.1344% | 58 |
| Pretax return on assets | 4.1344% | 74 |
| Return on Equity (ROE) | 44.5259% | 20 |
| Retained earnings to average equity (ytd only) | 13.6474% | 282 |
| Net charge-offs to loans | -0.0716% | 6,414 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5571% | 6,803 |
| Assets per employee ($millions) | 4.1200% | 3,595 |
| Cash dividends to net income (ytd only)* | 69.3496% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7024% | 2,614 |
| Loan loss allowance to noncurrent loans | 60.0014% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 2.0529% | 1,965 |
| Noncurrent loans to loans | 2.8373% | 1,461 |
| Net loans and leases to total assets | 62.3562% | 3,294 |
| Net loans and leases to deposits | 69.7402% | 3,822 |
| Net loans and leases to core deposits | 71.7000% | 4,127 |
| Total domestic deposits to total assets | 89.4121% | 1,351 |
| Equity capital to assets | 9.9118% | 4,034 |
| Core capital (leverage) ratio | 9.6638% | 4,153 |
| Tier 1 risk-based capital ratio | 19.4465% | 1,876 |
| Total risk-based capital ratio | 20.7080% | 1,845 |
| Memoranda: | ||
| Average total assets | $816,159,500 | 819 |
| Average earning assets | $726,236,750 | 841 |
| Average equity | $75,783,250 | 953 |
| Average total loans | $605,200,500 | 690 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6132% | 5,396 |
| Cost of funding earning assets | 0.7003% | 2,061 |
| Net interest margin | 2.9129% | 5,776 |
| Noninterest income to average assets | 4.6753% | 156 |
| Noninterest expense to average assets | 2.6520% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.6545% | 45 |
| Return on assets (ROA) | 4.6545% | 46 |
| Pretax return on assets | 4.6545% | 64 |
| Return on Equity (ROE) | 51.2795% | 17 |
| Retained earnings to average equity (ytd only) | 3.9060% | 3,809 |
| Net charge-offs to loans | -0.0419% | 6,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2966% | 6,842 |
| Assets per employee ($millions) | 4.0214% | 3,744 |
| Cash dividends to net income (ytd only)* | 92.3830% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5080% | 3,553 |
| Loan loss allowance to noncurrent loans | 77.3956% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.5683% | 2,762 |
| Noncurrent loans to loans | 1.9484% | 2,455 |
| Net loans and leases to total assets | 68.9510% | 2,069 |
| Net loans and leases to deposits | 77.0591% | 2,716 |
| Net loans and leases to core deposits | 79.2112% | 3,128 |
| Total domestic deposits to total assets | 89.4780% | 1,339 |
| Equity capital to assets | 9.1318% | 5,061 |
| Core capital (leverage) ratio | 8.8932% | 5,156 |
| Tier 1 risk-based capital ratio | 17.3199% | 2,584 |
| Total risk-based capital ratio | 18.5799% | 2,551 |
| Memoranda: | ||
| Average total assets | $816,290,330 | 818 |
| Average earning assets | $737,353,000 | 826 |
| Average equity | $74,092,000 | 980 |
| Average total loans | $634,437,000 | 660 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 4,552 |
| Cost of funding earning assets | 0.6927% | 2,283 |
| Net interest margin | 3.1870% | 4,966 |
| Noninterest income to average assets | 5.8368% | 122 |
| Noninterest expense to average assets | 2.9025% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 5.8158% | 41 |
| Return on assets (ROA) | 5.8158% | 44 |
| Pretax return on assets | 5.8158% | 52 |
| Return on Equity (ROE) | 64.2690% | 15 |
| Retained earnings to average equity (ytd only) | 8.2746% | 1,652 |
| Net charge-offs to loans | -0.2451% | 6,728 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.2921% | 6,939 |
| Assets per employee ($millions) | 3.7925% | 4,368 |
| Cash dividends to net income (ytd only)* | 87.1250% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4196% | 4,134 |
| Loan loss allowance to noncurrent loans | 71.3747% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 2,753 |
| Noncurrent loans to loans | 1.9890% | 2,629 |
| Net loans and leases to total assets | 75.7437% | 870 |
| Net loans and leases to deposits | 84.5758% | 1,521 |
| Net loans and leases to core deposits | 86.8871% | 2,025 |
| Total domestic deposits to total assets | 89.5572% | 1,323 |
| Equity capital to assets | 9.1524% | 5,309 |
| Core capital (leverage) ratio | 8.9288% | 5,008 |
| Tier 1 risk-based capital ratio | 17.0691% | 2,713 |
| Total risk-based capital ratio | 18.3295% | 2,685 |
| Memoranda: | ||
| Average total assets | $816,265,000 | 821 |
| Average earning assets | $738,002,000 | 830 |
| Average equity | $73,864,500 | 985 |
| Average total loans | $665,909,000 | 632 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6224% | 6,185 |
| Cost of funding earning assets | 0.7820% | 2,810 |
| Net interest margin | 2.8404% | 6,334 |
| Noninterest income to average assets | 4.0158% | 186 |
| Noninterest expense to average assets | 2.1112% | 6,102 |
| Loan and lease loss provision to assets | 0.0499% | 5,191 |
| Net operating income to assets | 4.4096% | 48 |
| Return on assets (ROA) | 4.4096% | 48 |
| Pretax return on assets | 4.4096% | 67 |
| Return on Equity (ROE) | 52.8752% | 15 |
| Retained earnings to average equity (ytd only) | 18.2038% | 79 |
| Net charge-offs to loans | -0.1070% | 6,834 |
| Credit loss provision to net charge-offs | -60.7903% | 6,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1302% | 7,015 |
| Assets per employee ($millions) | 3.7483% | 4,475 |
| Cash dividends to net income (ytd only)* | 65.5721% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,098 |
| Loan loss allowance to noncurrent loans | 72.2005% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 1.5442% | 3,075 |
| Noncurrent loans to loans | 1.6662% | 3,129 |
| Net loans and leases to total assets | 85.2770% | 159 |
| Net loans and leases to deposits | 95.1244% | 671 |
| Net loans and leases to core deposits | 97.5042% | 1,181 |
| Total domestic deposits to total assets | 89.6479% | 1,156 |
| Equity capital to assets | 8.9460% | 5,582 |
| Core capital (leverage) ratio | 8.7239% | 5,289 |
| Tier 1 risk-based capital ratio | 22.8349% | 1,134 |
| Total risk-based capital ratio | 24.1029% | 1,119 |
| Memoranda: | ||
| Average total assets | $801,110,600 | 821 |
| Average earning assets | $720,594,600 | 830 |
| Average equity | $66,810,200 | 1,054 |
| Average total loans | $615,228,000 | 673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 6,317 |
| Cost of funding earning assets | 0.7953% | 2,988 |
| Net interest margin | 2.8519% | 6,430 |
| Noninterest income to average assets | 3.8498% | 186 |
| Noninterest expense to average assets | 2.1810% | 5,993 |
| Loan and lease loss provision to assets | 0.0669% | 4,852 |
| Net operating income to assets | 4.1660% | 60 |
| Return on assets (ROA) | 4.1660% | 62 |
| Pretax return on assets | 4.1660% | 76 |
| Return on Equity (ROE) | 50.9020% | 14 |
| Retained earnings to average equity (ytd only) | 16.1662% | 188 |
| Net charge-offs to loans | -0.1118% | 6,876 |
| Credit loss provision to net charge-offs | -80.4829% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0044% | 7,093 |
| Assets per employee ($millions) | 3.5416% | 4,869 |
| Cash dividends to net income (ytd only)* | 68.2406% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 4,738 |
| Loan loss allowance to noncurrent loans | 44.0907% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 2.5187% | 2,100 |
| Noncurrent loans to loans | 2.9862% | 1,870 |
| Net loans and leases to total assets | 77.5961% | 778 |
| Net loans and leases to deposits | 86.1636% | 1,586 |
| Net loans and leases to core deposits | 88.6949% | 2,137 |
| Total domestic deposits to total assets | 90.0567% | 822 |
| Equity capital to assets | 8.5638% | 6,211 |
| Core capital (leverage) ratio | 8.3242% | 5,971 |
| Tier 1 risk-based capital ratio | 24.1088% | 1,009 |
| Total risk-based capital ratio | 25.3806% | 985 |
| Memoranda: | ||
| Average total assets | $797,103,750 | 836 |
| Average earning assets | $716,659,250 | 842 |
| Average equity | $65,237,500 | 1,089 |
| Average total loans | $592,706,000 | 695 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7252% | 6,293 |
| Cost of funding earning assets | 0.8135% | 3,090 |
| Net interest margin | 2.9117% | 6,411 |
| Noninterest income to average assets | 3.8627% | 192 |
| Noninterest expense to average assets | 2.1736% | 6,074 |
| Loan and lease loss provision to assets | 0.1007% | 4,271 |
| Net operating income to assets | 4.2077% | 60 |
| Return on assets (ROA) | 4.2077% | 60 |
| Pretax return on assets | 4.2077% | 74 |
| Return on Equity (ROE) | 52.2285% | 17 |
| Retained earnings to average equity (ytd only) | 15.8385% | 234 |
| Net charge-offs to loans | -0.0466% | 6,646 |
| Credit loss provision to net charge-offs | -296.2963% | 6,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5326% | 7,146 |
| Assets per employee ($millions) | 3.6582% | 4,619 |
| Cash dividends to net income (ytd only)* | 69.6747% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 4,197 |
| Loan loss allowance to noncurrent loans | 47.4720% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.3714% | 2,353 |
| Noncurrent loans to loans | 3.0802% | 1,911 |
| Net loans and leases to total assets | 68.5366% | 2,194 |
| Net loans and leases to deposits | 76.0103% | 2,990 |
| Net loans and leases to core deposits | 78.1898% | 3,484 |
| Total domestic deposits to total assets | 90.1676% | 833 |
| Equity capital to assets | 8.4318% | 6,274 |
| Core capital (leverage) ratio | 8.1910% | 6,062 |
| Tier 1 risk-based capital ratio | 27.8497% | 650 |
| Total risk-based capital ratio | 29.1269% | 633 |
| Memoranda: | ||
| Average total assets | $794,825,000 | 836 |
| Average earning assets | $714,967,670 | 842 |
| Average equity | $64,034,000 | 1,105 |
| Average total loans | $579,558,330 | 713 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 6,506 |
| Cost of funding earning assets | 0.8303% | 3,226 |
| Net interest margin | 2.8202% | 6,605 |
| Noninterest income to average assets | 4.1483% | 160 |
| Noninterest expense to average assets | 2.3217% | 5,712 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 4.3716% | 54 |
| Return on assets (ROA) | 4.3716% | 61 |
| Pretax return on assets | 4.3716% | 70 |
| Return on Equity (ROE) | 55.5273% | 22 |
| Retained earnings to average equity (ytd only) | 26.7549% | 74 |
| Net charge-offs to loans | 0.0817% | 3,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 71.7377% | 467 |
| Efficiency ratio | 34.6866% | 7,198 |
| Assets per employee ($millions) | 4.2498% | 3,486 |
| Cash dividends to net income (ytd only)* | 51.8167% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3627% | 4,756 |
| Loan loss allowance to noncurrent loans | 48.5931% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.2568% | 2,640 |
| Noncurrent loans to loans | 2.8043% | 2,303 |
| Net loans and leases to total assets | 66.8928% | 2,313 |
| Net loans and leases to deposits | 73.5219% | 3,193 |
| Net loans and leases to core deposits | 75.6523% | 3,661 |
| Total domestic deposits to total assets | 90.9836% | 566 |
| Equity capital to assets | 8.2427% | 6,323 |
| Core capital (leverage) ratio | 8.0133% | 6,248 |
| Tier 1 risk-based capital ratio | 12.3201% | 5,741 |
| Total risk-based capital ratio | 13.2961% | 5,913 |
| Memoranda: | ||
| Average total assets | $800,807,500 | 825 |
| Average earning assets | $722,655,500 | 833 |
| Average equity | $63,046,500 | 1,124 |
| Average total loans | $597,083,500 | 693 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4378% | 7,029 |
| Cost of funding earning assets | 1.0206% | 3,232 |
| Net interest margin | 2.4171% | 7,095 |
| Noninterest income to average assets | 2.8240% | 226 |
| Noninterest expense to average assets | 1.8589% | 6,876 |
| Loan and lease loss provision to assets | 0.3805% | 2,716 |
| Net operating income to assets | 2.8289% | 99 |
| Return on assets (ROA) | 2.8289% | 100 |
| Pretax return on assets | 2.8289% | 146 |
| Return on Equity (ROE) | 36.8449% | 22 |
| Retained earnings to average equity (ytd only) | 12.5390% | 261 |
| Net charge-offs to loans | 0.1649% | 4,832 |
| Credit loss provision to net charge-offs | 303.8380% | 768 |
| Earnings coverage of net charge-offs (x) | 25.6279% | 968 |
| Efficiency ratio | 36.6761% | 7,246 |
| Assets per employee ($millions) | 4.5316% | 2,859 |
| Cash dividends to net income (ytd only)* | 65.9682% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 5,700 |
| Loan loss allowance to noncurrent loans | 42.7379% | 5,444 |
| Noncurrent assets plus other real estate owned to assets | 2.4486% | 2,489 |
| Noncurrent loans to loans | 2.6406% | 2,462 |
| Net loans and leases to total assets | 80.2157% | 473 |
| Net loans and leases to deposits | 93.2378% | 867 |
| Net loans and leases to core deposits | 95.7493% | 1,520 |
| Total domestic deposits to total assets | 86.0334% | 3,307 |
| Equity capital to assets | 7.5125% | 6,806 |
| Core capital (leverage) ratio | 7.5289% | 6,633 |
| Tier 1 risk-based capital ratio | 14.6403% | 3,870 |
| Total risk-based capital ratio | 15.8975% | 3,844 |
| Memoranda: | ||
| Average total assets | $749,009,600 | 881 |
| Average earning assets | $695,450,200 | 862 |
| Average equity | $57,508,600 | 1,183 |
| Average total loans | $568,754,000 | 744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 7,129 |
| Cost of funding earning assets | 1.0541% | 3,290 |
| Net interest margin | 2.3663% | 7,191 |
| Noninterest income to average assets | 2.5953% | 256 |
| Noninterest expense to average assets | 1.7196% | 7,074 |
| Loan and lease loss provision to assets | 0.5181% | 1,913 |
| Net operating income to assets | 2.5669% | 136 |
| Return on assets (ROA) | 2.5669% | 143 |
| Pretax return on assets | 2.5669% | 217 |
| Return on Equity (ROE) | 33.2341% | 40 |
| Retained earnings to average equity (ytd only) | 16.3123% | 164 |
| Net charge-offs to loans | 0.3494% | 3,349 |
| Credit loss provision to net charge-offs | 199.0223% | 1,473 |
| Earnings coverage of net charge-offs (x) | 11.8512% | 1,774 |
| Efficiency ratio | 35.7913% | 7,318 |
| Assets per employee ($millions) | 4.2025% | 3,436 |
| Cash dividends to net income (ytd only)* | 50.9171% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,263 |
| Loan loss allowance to noncurrent loans | 39.1157% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 2.7329% | 2,376 |
| Noncurrent loans to loans | 3.1876% | 2,181 |
| Net loans and leases to total assets | 72.8388% | 1,540 |
| Net loans and leases to deposits | 79.8295% | 2,675 |
| Net loans and leases to core deposits | 81.9138% | 3,339 |
| Total domestic deposits to total assets | 91.2429% | 365 |
| Equity capital to assets | 7.9386% | 6,735 |
| Core capital (leverage) ratio | 7.7206% | 6,622 |
| Tier 1 risk-based capital ratio | 14.5256% | 3,955 |
| Total risk-based capital ratio | 15.7758% | 3,936 |
| Memoranda: | ||
| Average total assets | $733,472,500 | 898 |
| Average earning assets | $684,808,500 | 880 |
| Average equity | $56,651,250 | 1,196 |
| Average total loans | $546,416,750 | 778 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 7,187 |
| Cost of funding earning assets | 1.1018% | 3,224 |
| Net interest margin | 2.3452% | 7,263 |
| Noninterest income to average assets | 2.8124% | 236 |
| Noninterest expense to average assets | 1.6848% | 7,189 |
| Loan and lease loss provision to assets | 0.7838% | 1,184 |
| Net operating income to assets | 2.5255% | 160 |
| Return on assets (ROA) | 2.5255% | 165 |
| Pretax return on assets | 2.5255% | 234 |
| Return on Equity (ROE) | 33.0152% | 53 |
| Retained earnings to average equity (ytd only) | 14.2659% | 292 |
| Net charge-offs to loans | 0.5375% | 2,482 |
| Credit loss provision to net charge-offs | 195.0719% | 1,548 |
| Earnings coverage of net charge-offs (x) | 8.2361% | 2,092 |
| Efficiency ratio | 33.7353% | 7,412 |
| Assets per employee ($millions) | 4.1291% | 3,492 |
| Cash dividends to net income (ytd only)* | 56.7897% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,819 |
| Loan loss allowance to noncurrent loans | 36.1570% | 5,887 |
| Noncurrent assets plus other real estate owned to assets | 3.0116% | 2,230 |
| Noncurrent loans to loans | 3.7416% | 1,876 |
| Net loans and leases to total assets | 69.1224% | 2,392 |
| Net loans and leases to deposits | 75.5224% | 3,557 |
| Net loans and leases to core deposits | 77.6719% | 4,094 |
| Total domestic deposits to total assets | 91.5256% | 334 |
| Equity capital to assets | 7.8148% | 6,800 |
| Core capital (leverage) ratio | 7.6887% | 6,597 |
| Tier 1 risk-based capital ratio | 14.4013% | 3,869 |
| Total risk-based capital ratio | 15.6514% | 3,837 |
| Memoranda: | ||
| Average total assets | $727,215,000 | 912 |
| Average earning assets | $676,542,670 | 897 |
| Average equity | $55,629,000 | 1,205 |
| Average total loans | $543,607,670 | 791 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 7,120 |
| Cost of funding earning assets | 1.1042% | 3,489 |
| Net interest margin | 2.5189% | 7,181 |
| Noninterest income to average assets | 4.0997% | 159 |
| Noninterest expense to average assets | 1.4324% | 7,401 |
| Loan and lease loss provision to assets | 1.1547% | 615 |
| Net operating income to assets | 3.8545% | 80 |
| Return on assets (ROA) | 3.8545% | 82 |
| Pretax return on assets | 3.8545% | 107 |
| Return on Equity (ROE) | 50.9378% | 30 |
| Retained earnings to average equity (ytd only) | 25.8177% | 91 |
| Net charge-offs to loans | 0.8894% | 1,489 |
| Credit loss provision to net charge-offs | 168.4042% | 1,713 |
| Earnings coverage of net charge-offs (x) | 7.3055% | 1,966 |
| Efficiency ratio | 22.2364% | 7,527 |
| Assets per employee ($millions) | 4.1329% | 3,574 |
| Cash dividends to net income (ytd only)* | 49.3153% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 5,056 |
| Loan loss allowance to noncurrent loans | 71.3419% | 3,860 |
| Noncurrent assets plus other real estate owned to assets | 1.3757% | 4,225 |
| Noncurrent loans to loans | 1.8442% | 3,765 |
| Net loans and leases to total assets | 66.2637% | 2,942 |
| Net loans and leases to deposits | 72.7457% | 3,956 |
| Net loans and leases to core deposits | 74.8239% | 4,445 |
| Total domestic deposits to total assets | 91.0895% | 586 |
| Equity capital to assets | 7.8384% | 6,644 |
| Core capital (leverage) ratio | 7.7323% | 6,529 |
| Tier 1 risk-based capital ratio | 14.8892% | 3,482 |
| Total risk-based capital ratio | 16.1391% | 3,447 |
| Memoranda: | ||
| Average total assets | $727,462,500 | 919 |
| Average earning assets | $676,335,500 | 902 |
| Average equity | $55,047,500 | 1,209 |
| Average total loans | $560,804,000 | 779 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 6,936 |
| Cost of funding earning assets | 1.4342% | 3,049 |
| Net interest margin | 2.7589% | 7,076 |
| Noninterest income to average assets | 3.1727% | 217 |
| Noninterest expense to average assets | 2.5470% | 5,627 |
| Loan and lease loss provision to assets | 1.6498% | 865 |
| Net operating income to assets | 1.5475% | 697 |
| Return on assets (ROA) | 1.5475% | 756 |
| Pretax return on assets | 1.5475% | 1,258 |
| Return on Equity (ROE) | 21.2797% | 188 |
| Retained earnings to average equity (ytd only) | 6.9979% | 1,325 |
| Net charge-offs to loans | 1.8325% | 1,144 |
| Credit loss provision to net charge-offs | 110.4216% | 3,984 |
| Earnings coverage of net charge-offs (x) | 2.1399% | 4,122 |
| Efficiency ratio | 44.3396% | 7,404 |
| Assets per employee ($millions) | 4.5420% | 2,792 |
| Cash dividends to net income (ytd only)* | 67.1149% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,824 |
| Loan loss allowance to noncurrent loans | 66.3610% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.3735% | 4,287 |
| Noncurrent loans to loans | 1.2976% | 4,548 |
| Net loans and leases to total assets | 86.0610% | 181 |
| Net loans and leases to deposits | 93.8387% | 1,077 |
| Net loans and leases to core deposits | 96.1215% | 2,002 |
| Total domestic deposits to total assets | 91.7116% | 343 |
| Equity capital to assets | 7.3019% | 6,998 |
| Core capital (leverage) ratio | 7.3019% | 6,844 |
| Tier 1 risk-based capital ratio | 12.9887% | 4,604 |
| Total risk-based capital ratio | 14.2398% | 4,572 |
| Memoranda: | ||
| Average total assets | $706,439,200 | 945 |
| Average earning assets | $658,481,400 | 927 |
| Average equity | $51,372,800 | 1,299 |
| Average total loans | $575,983,400 | 776 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 7,271 |
| Cost of funding earning assets | 1.4994% | 2,986 |
| Net interest margin | 2.5203% | 7,363 |
| Noninterest income to average assets | 2.5760% | 269 |
| Noninterest expense to average assets | 2.5369% | 5,578 |
| Loan and lease loss provision to assets | 0.8439% | 1,799 |
| Net operating income to assets | 1.5452% | 837 |
| Return on assets (ROA) | 1.5452% | 917 |
| Pretax return on assets | 1.5452% | 1,486 |
| Return on Equity (ROE) | 21.2712% | 239 |
| Retained earnings to average equity (ytd only) | 5.5055% | 2,646 |
| Net charge-offs to loans | 0.6763% | 2,735 |
| Credit loss provision to net charge-offs | 155.7002% | 2,463 |
| Earnings coverage of net charge-offs (x) | 4.4078% | 3,064 |
| Efficiency ratio | 51.5003% | 7,031 |
| Assets per employee ($millions) | 4.2407% | 3,375 |
| Cash dividends to net income (ytd only)* | 74.1175% | 801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 6,663 |
| Loan loss allowance to noncurrent loans | 63.0852% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.4725% | 4,245 |
| Noncurrent loans to loans | 1.4637% | 4,428 |
| Net loans and leases to total assets | 87.0012% | 141 |
| Net loans and leases to deposits | 97.5985% | 831 |
| Net loans and leases to core deposits | 100.0575% | 1,845 |
| Total domestic deposits to total assets | 89.1419% | 1,317 |
| Equity capital to assets | 7.0781% | 7,314 |
| Core capital (leverage) ratio | 7.0782% | 7,123 |
| Tier 1 risk-based capital ratio | 12.4692% | 5,013 |
| Total risk-based capital ratio | 13.7192% | 4,985 |
| Memoranda: | ||
| Average total assets | $699,099,500 | 957 |
| Average earning assets | $651,875,250 | 937 |
| Average equity | $50,784,250 | 1,320 |
| Average total loans | $560,295,500 | 808 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8666% | 7,451 |
| Cost of funding earning assets | 1.5841% | 2,750 |
| Net interest margin | 2.2825% | 7,542 |
| Noninterest income to average assets | 2.5037% | 270 |
| Noninterest expense to average assets | 2.3595% | 6,185 |
| Loan and lease loss provision to assets | 0.9254% | 1,577 |
| Net operating income to assets | 1.3411% | 1,213 |
| Return on assets (ROA) | 1.3411% | 1,284 |
| Pretax return on assets | 1.3411% | 1,972 |
| Return on Equity (ROE) | 18.2931% | 438 |
| Retained earnings to average equity (ytd only) | 3.1648% | 4,096 |
| Net charge-offs to loans | 0.5122% | 2,995 |
| Credit loss provision to net charge-offs | 233.4559% | 1,650 |
| Earnings coverage of net charge-offs (x) | 5.7176% | 2,609 |
| Efficiency ratio | 51.0050% | 7,150 |
| Assets per employee ($millions) | 4.7300% | 2,535 |
| Cash dividends to net income (ytd only)* | 82.6994% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 5,390 |
| Loan loss allowance to noncurrent loans | 77.1666% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 4,374 |
| Noncurrent loans to loans | 1.5701% | 4,354 |
| Net loans and leases to total assets | 73.3804% | 2,064 |
| Net loans and leases to deposits | 79.8274% | 3,626 |
| Net loans and leases to core deposits | 81.8397% | 4,440 |
| Total domestic deposits to total assets | 91.9238% | 234 |
| Equity capital to assets | 7.3739% | 7,179 |
| Core capital (leverage) ratio | 7.3746% | 6,938 |
| Tier 1 risk-based capital ratio | 13.8090% | 3,864 |
| Total risk-based capital ratio | 15.0590% | 3,835 |
| Memoranda: | ||
| Average total assets | $686,172,330 | 979 |
| Average earning assets | $637,981,330 | 959 |
| Average equity | $50,303,000 | 1,327 |
| Average total loans | $531,078,000 | 862 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 7,511 |
| Cost of funding earning assets | 1.6419% | 2,695 |
| Net interest margin | 2.2805% | 7,606 |
| Noninterest income to average assets | 2.9077% | 217 |
| Noninterest expense to average assets | 2.3317% | 6,303 |
| Loan and lease loss provision to assets | 1.3451% | 887 |
| Net operating income to assets | 1.3673% | 1,149 |
| Return on assets (ROA) | 1.3673% | 1,218 |
| Pretax return on assets | 1.3673% | 1,859 |
| Return on Equity (ROE) | 18.7066% | 461 |
| Retained earnings to average equity (ytd only) | -2.0963% | 6,229 |
| Net charge-offs to loans | 0.4251% | 2,773 |
| Credit loss provision to net charge-offs | 400.6969% | 1,016 |
| Earnings coverage of net charge-offs (x) | 8.0801% | 1,994 |
| Efficiency ratio | 46.2261% | 7,540 |
| Assets per employee ($millions) | 3.6310% | 4,743 |
| Cash dividends to net income (ytd only)* | 111.2062% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 5,603 |
| Loan loss allowance to noncurrent loans | 75.4557% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 1.5016% | 4,252 |
| Noncurrent loans to loans | 1.5644% | 4,397 |
| Net loans and leases to total assets | 75.1404% | 1,706 |
| Net loans and leases to deposits | 81.6839% | 3,338 |
| Net loans and leases to core deposits | 83.8278% | 4,230 |
| Total domestic deposits to total assets | 91.9893% | 242 |
| Equity capital to assets | 7.3043% | 7,211 |
| Core capital (leverage) ratio | 7.3054% | 7,025 |
| Tier 1 risk-based capital ratio | 13.3710% | 4,071 |
| Total risk-based capital ratio | 14.6261% | 4,028 |
| Memoranda: | ||
| Average total assets | $683,966,000 | 1,003 |
| Average earning assets | $640,737,500 | 977 |
| Average equity | $49,993,000 | 1,339 |
| Average total loans | $540,132,500 | 874 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4998% | 7,384 |
| Cost of funding earning assets | 2.3198% | 1,581 |
| Net interest margin | 2.1800% | 7,653 |
| Noninterest income to average assets | 1.6404% | 538 |
| Noninterest expense to average assets | 2.6797% | 5,486 |
| Loan and lease loss provision to assets | 0.8266% | 2,656 |
| Net operating income to assets | 0.1816% | 4,959 |
| Return on assets (ROA) | 1.1178% | 1,503 |
| Pretax return on assets | 1.1178% | 2,192 |
| Return on Equity (ROE) | 15.5986% | 594 |
| Retained earnings to average equity (ytd only) | 7.0712% | 939 |
| Net charge-offs to loans | 0.3425% | 4,517 |
| Credit loss provision to net charge-offs | 315.1379% | 1,036 |
| Earnings coverage of net charge-offs (x) | 3.8436% | 3,175 |
| Efficiency ratio | 72.6625% | 4,154 |
| Assets per employee ($millions) | 3.6453% | 4,658 |
| Cash dividends to net income (ytd only)* | 54.6679% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 7,082 |
| Loan loss allowance to noncurrent loans | 62.0395% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4564% | 4,228 |
| Noncurrent loans to loans | 1.3157% | 4,725 |
| Net loans and leases to total assets | 81.2234% | 806 |
| Net loans and leases to deposits | 88.1296% | 2,540 |
| Net loans and leases to core deposits | 110.4882% | 2,842 |
| Total domestic deposits to total assets | 92.1635% | 235 |
| Equity capital to assets | 7.3142% | 7,190 |
| Core capital (leverage) ratio | 7.3152% | 6,970 |
| Tier 1 risk-based capital ratio | 13.0099% | 4,138 |
| Total risk-based capital ratio | 14.2060% | 4,123 |
| Memoranda: | ||
| Average total assets | $677,475,400 | 1,016 |
| Average earning assets | $636,297,200 | 984 |
| Average equity | $48,549,200 | 1,382 |
| Average total loans | $518,827,400 | 921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 7,239 |
| Cost of funding earning assets | 2.4556% | 1,425 |
| Net interest margin | 2.2741% | 7,673 |
| Noninterest income to average assets | 1.4016% | 772 |
| Noninterest expense to average assets | 2.7056% | 5,300 |
| Loan and lease loss provision to assets | 0.8388% | 2,284 |
| Net operating income to assets | -0.0063% | 5,718 |
| Return on assets (ROA) | 1.2456% | 1,422 |
| Pretax return on assets | 1.2456% | 2,122 |
| Return on Equity (ROE) | 17.4736% | 501 |
| Retained earnings to average equity (ytd only) | 7.9657% | 1,150 |
| Net charge-offs to loans | 0.3159% | 4,063 |
| Credit loss provision to net charge-offs | 352.9900% | 1,162 |
| Earnings coverage of net charge-offs (x) | 3.5033% | 3,505 |
| Efficiency ratio | 76.4699% | 3,423 |
| Assets per employee ($millions) | 3.4423% | 5,070 |
| Cash dividends to net income (ytd only)* | 54.4129% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8243% | 7,047 |
| Loan loss allowance to noncurrent loans | 50.1209% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 4,057 |
| Noncurrent loans to loans | 1.6446% | 4,179 |
| Net loans and leases to total assets | 70.5686% | 3,373 |
| Net loans and leases to deposits | 76.6833% | 4,942 |
| Net loans and leases to core deposits | 96.9485% | 4,709 |
| Total domestic deposits to total assets | 92.0262% | 171 |
| Equity capital to assets | 7.3808% | 7,383 |
| Core capital (leverage) ratio | 7.3856% | 7,094 |
| Tier 1 risk-based capital ratio | 14.1736% | 3,456 |
| Total risk-based capital ratio | 15.3072% | 3,462 |
| Memoranda: | ||
| Average total assets | $675,516,750 | 1,026 |
| Average earning assets | $634,667,750 | 998 |
| Average equity | $48,155,250 | 1,414 |
| Average total loans | $508,231,000 | 957 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 6,797 |
| Cost of funding earning assets | 2.5752% | 1,356 |
| Net interest margin | 2.4177% | 7,554 |
| Noninterest income to average assets | 0.8420% | 2,208 |
| Noninterest expense to average assets | 2.8026% | 4,951 |
| Loan and lease loss provision to assets | 0.7386% | 2,219 |
| Net operating income to assets | -0.4311% | 6,475 |
| Return on assets (ROA) | 1.4430% | 1,005 |
| Pretax return on assets | 1.4430% | 1,611 |
| Return on Equity (ROE) | 20.4813% | 305 |
| Retained earnings to average equity (ytd only) | 9.7416% | 778 |
| Net charge-offs to loans | 0.2153% | 4,159 |
| Credit loss provision to net charge-offs | 448.0287% | 1,038 |
| Earnings coverage of net charge-offs (x) | 1.8656% | 4,173 |
| Efficiency ratio | 90.1111% | 1,794 |
| Assets per employee ($millions) | 3.7022% | 4,325 |
| Cash dividends to net income (ytd only)* | 52.4365% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 7,704 |
| Loan loss allowance to noncurrent loans | 50.5267% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.2665% | 4,407 |
| Noncurrent loans to loans | 1.1175% | 4,984 |
| Net loans and leases to total assets | 80.5340% | 1,220 |
| Net loans and leases to deposits | 87.1849% | 3,324 |
| Net loans and leases to core deposits | 109.6818% | 3,409 |
| Total domestic deposits to total assets | 92.3715% | 160 |
| Equity capital to assets | 7.0761% | 7,563 |
| Core capital (leverage) ratio | 7.0808% | 7,476 |
| Tier 1 risk-based capital ratio | 13.1687% | 4,021 |
| Total risk-based capital ratio | 14.0192% | 4,221 |
| Memoranda: | ||
| Average total assets | $676,936,670 | 1,039 |
| Average earning assets | $635,058,670 | 1,015 |
| Average equity | $47,692,330 | 1,443 |
| Average total loans | $518,430,000 | 957 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 5,367 |
| Cost of funding earning assets | 2.7071% | 1,251 |
| Net interest margin | 2.7039% | 7,198 |
| Noninterest income to average assets | -1.6658% | 8,228 |
| Noninterest expense to average assets | 2.6997% | 5,005 |
| Loan and lease loss provision to assets | 0.7770% | 1,653 |
| Net operating income to assets | -2.5922% | 7,784 |
| Return on assets (ROA) | 1.1990% | 1,769 |
| Pretax return on assets | 1.1990% | 2,631 |
| Return on Equity (ROE) | 17.0564% | 681 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,968 |
| Net charge-offs to loans | 0.0402% | 4,928 |
| Credit loss provision to net charge-offs | 2,600.0000% | 259 |
| Earnings coverage of net charge-offs (x) | -60.7400% | 5,699 |
| Efficiency ratio | 305.2027% | 79 |
| Assets per employee ($millions) | 4.0716% | 3,510 |
| Cash dividends to net income (ytd only)* | 55.3340% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 7,825 |
| Loan loss allowance to noncurrent loans | 38.8088% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 1.3265% | 4,011 |
| Noncurrent loans to loans | 1.2911% | 4,393 |
| Net loans and leases to total assets | 76.4581% | 2,171 |
| Net loans and leases to deposits | 82.6384% | 4,187 |
| Net loans and leases to core deposits | 103.5408% | 4,184 |
| Total domestic deposits to total assets | 92.5212% | 120 |
| Equity capital to assets | 6.8587% | 7,743 |
| Core capital (leverage) ratio | 6.8455% | 7,733 |
| Tier 1 risk-based capital ratio | 12.9279% | 4,226 |
| Total risk-based capital ratio | 13.6551% | 4,534 |
| Memoranda: | ||
| Average total assets | $669,247,500 | 1,057 |
| Average earning assets | $631,234,000 | 1,016 |
| Average equity | $47,044,000 | 1,468 |
| Average total loans | $497,287,500 | 1,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4718% | 7,361 |
| Cost of funding earning assets | 3.4115% | 695 |
| Net interest margin | 2.0602% | 8,034 |
| Noninterest income to average assets | 0.0308% | 7,978 |
| Noninterest expense to average assets | 1.9180% | 7,585 |
| Loan and lease loss provision to assets | 0.2158% | 4,730 |
| Net operating income to assets | -0.1464% | 6,554 |
| Return on assets (ROA) | 0.6720% | 3,856 |
| Pretax return on assets | 0.6720% | 4,474 |
| Return on Equity (ROE) | 9.4394% | 2,461 |
| Retained earnings to average equity (ytd only) | 2.5185% | 3,634 |
| Net charge-offs to loans | 0.1549% | 4,647 |
| Credit loss provision to net charge-offs | 208.9552% | 2,315 |
| Earnings coverage of net charge-offs (x) | 0.6716% | 5,822 |
| Efficiency ratio | 96.5095% | 1,123 |
| Assets per employee ($millions) | 4.5197% | 2,586 |
| Cash dividends to net income (ytd only)* | 73.3196% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3802% | 8,010 |
| Loan loss allowance to noncurrent loans | 25.5743% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4697% | 3,280 |
| Noncurrent loans to loans | 1.4865% | 3,572 |
| Net loans and leases to total assets | 71.3156% | 3,726 |
| Net loans and leases to deposits | 77.2774% | 5,434 |
| Net loans and leases to core deposits | 98.5253% | 4,985 |
| Total domestic deposits to total assets | 92.2853% | 100 |
| Equity capital to assets | 7.2122% | 7,617 |
| Core capital (leverage) ratio | 7.2247% | 7,500 |
| Tier 1 risk-based capital ratio | 13.8042% | 3,644 |
| Total risk-based capital ratio | 14.3241% | 3,979 |
| Memoranda: | ||
| Average total assets | $648,688,600 | 1,035 |
| Average earning assets | $616,054,400 | 981 |
| Average equity | $46,179,000 | 1,476 |
| Average total loans | $432,440,200 | 1,106 |