Home > Harford Bank > Performance and Condition Ratios
Harford Bank, Performance and Condition Ratios
| 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 | 5.0878% | 2,887 |
| Cost of funding earning assets | 1.7245% | 2,897 |
| Net interest margin | 3.3633% | 2,308 |
| Noninterest income to average assets | 0.2900% | 3,095 |
| Noninterest expense to average assets | 2.2726% | 2,884 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 0.9055% | 2,365 |
| Return on assets (ROA) | 0.9055% | 2,367 |
| Pretax return on assets | 1.1816% | 2,031 |
| Return on Equity (ROE) | 10.2400% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.9975% | 1,390 |
| Net charge-offs to loans | 0.0057% | 2,460 |
| Credit loss provision to net charge-offs | 1,477.2727% | 309 |
| Earnings coverage of net charge-offs (x) | 293.4091% | 389 |
| Efficiency ratio | 64.5310% | 2,652 |
| Assets per employee ($millions) | 7.9093% | 1,577 |
| Cash dividends to net income (ytd only)* | 21.8850% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,275 |
| Loan loss allowance to noncurrent loans | 99.4213% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8496% | 797 |
| Noncurrent loans to loans | 1.1948% | 836 |
| Net loans and leases to total assets | 70.2700% | 1,813 |
| Net loans and leases to deposits | 79.7999% | 2,208 |
| Net loans and leases to core deposits | 88.4589% | 2,258 |
| Total domestic deposits to total assets | 88.0600% | 1,223 |
| Equity capital to assets | 8.8570% | 3,129 |
| Core capital (leverage) ratio | 8.9266% | 3,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0430% | 1,878 |
| Memoranda: | ||
| Average total assets | $688,988,000 | 1,351 |
| Average earning assets | $662,432,500 | 1,319 |
| Average equity | $60,934,000 | 1,464 |
| Average total loans | $510,449,750 | 1,266 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 2,861 |
| Cost of funding earning assets | 1.7062% | 2,847 |
| Net interest margin | 3.3418% | 2,315 |
| Noninterest income to average assets | 0.2900% | 3,062 |
| Noninterest expense to average assets | 2.2314% | 2,996 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 0.8656% | 2,402 |
| Return on assets (ROA) | 0.8656% | 2,420 |
| Pretax return on assets | 1.1327% | 2,120 |
| Return on Equity (ROE) | 9.7900% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.5312% | 1,499 |
| Net charge-offs to loans | 0.0055% | 2,242 |
| Credit loss provision to net charge-offs | 3,535.7143% | 141 |
| Earnings coverage of net charge-offs (x) | 308.1429% | 374 |
| Efficiency ratio | 63.7966% | 2,800 |
| Assets per employee ($millions) | 8.0475% | 1,425 |
| Cash dividends to net income (ytd only)* | 23.0926% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1957% | 2,268 |
| Loan loss allowance to noncurrent loans | 100.3241% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8814% | 713 |
| Noncurrent loans to loans | 1.1918% | 756 |
| Net loans and leases to total assets | 73.0700% | 1,524 |
| Net loans and leases to deposits | 85.3895% | 1,712 |
| Net loans and leases to core deposits | 94.9158% | 1,797 |
| Total domestic deposits to total assets | 85.5700% | 2,126 |
| Equity capital to assets | 8.7748% | 2,906 |
| Core capital (leverage) ratio | 8.8759% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3967% | 2,108 |
| Memoranda: | ||
| Average total assets | $681,372,000 | 1,358 |
| Average earning assets | $655,032,000 | 1,321 |
| Average equity | $60,229,667 | 1,465 |
| Average total loans | $511,863,000 | 1,266 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 2,799 |
| Cost of funding earning assets | 1.6677% | 2,823 |
| Net interest margin | 3.3212% | 2,297 |
| Noninterest income to average assets | 0.2800% | 3,064 |
| Noninterest expense to average assets | 2.2417% | 2,952 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | 0.9518% | 2,084 |
| Return on assets (ROA) | 0.9518% | 2,096 |
| Pretax return on assets | 1.2589% | 1,735 |
| Return on Equity (ROE) | 10.7300% | 1,920 |
| Retained earnings to average equity (ytd only) | 8.4458% | 1,440 |
| Net charge-offs to loans | 0.0055% | 1,917 |
| Credit loss provision to net charge-offs | 428.5714% | 553 |
| Earnings coverage of net charge-offs (x) | 296.0000% | 310 |
| Efficiency ratio | 64.5084% | 2,757 |
| Assets per employee ($millions) | 7.7973% | 1,573 |
| Cash dividends to net income (ytd only)* | 21.2633% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 2,695 |
| Loan loss allowance to noncurrent loans | 91.6547% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9221% | 651 |
| Noncurrent loans to loans | 1.2268% | 673 |
| Net loans and leases to total assets | 74.3100% | 1,298 |
| Net loans and leases to deposits | 88.2710% | 1,342 |
| Net loans and leases to core deposits | 97.3458% | 1,567 |
| Total domestic deposits to total assets | 84.1900% | 2,652 |
| Equity capital to assets | 8.8877% | 2,747 |
| Core capital (leverage) ratio | 8.9192% | 3,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3458% | 2,132 |
| Memoranda: | ||
| Average total assets | $671,991,500 | 1,383 |
| Average earning assets | $645,673,000 | 1,336 |
| Average equity | $59,627,000 | 1,467 |
| Average total loans | $508,906,500 | 1,267 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 3,104 |
| Cost of funding earning assets | 0.9448% | 3,423 |
| Net interest margin | 3.5517% | 2,061 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.3986% | 2,599 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.0264% | 2,128 |
| Return on assets (ROA) | 1.0264% | 2,112 |
| Pretax return on assets | 1.3740% | 1,692 |
| Return on Equity (ROE) | 11.4900% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.1834% | 1,215 |
| Net charge-offs to loans | 0.0034% | 2,642 |
| Credit loss provision to net charge-offs | 5,143.7500% | 105 |
| Earnings coverage of net charge-offs (x) | 592.7500% | 247 |
| Efficiency ratio | 61.4079% | 2,921 |
| Assets per employee ($millions) | 7.5638% | 1,689 |
| Cash dividends to net income (ytd only)* | 20.0991% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,699 |
| Loan loss allowance to noncurrent loans | 87.5498% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.9798% | 511 |
| Noncurrent loans to loans | 1.2840% | 549 |
| Net loans and leases to total assets | 75.4600% | 1,181 |
| Net loans and leases to deposits | 90.6083% | 1,219 |
| Net loans and leases to core deposits | 98.2043% | 1,533 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 8.8584% | 2,781 |
| Core capital (leverage) ratio | 8.9606% | 3,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1051% | 2,204 |
| Memoranda: | ||
| Average total assets | $629,171,000 | 1,419 |
| Average earning assets | $604,047,000 | 1,369 |
| Average equity | $56,188,200 | 1,464 |
| Average total loans | $471,160,600 | 1,293 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 3,152 |
| Cost of funding earning assets | 0.7566% | 3,644 |
| Net interest margin | 3.6182% | 1,955 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.4251% | 2,450 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9339% | 2,568 |
| Return on assets (ROA) | 0.9339% | 2,556 |
| Pretax return on assets | 1.2489% | 2,172 |
| Return on Equity (ROE) | 10.4300% | 2,523 |
| Retained earnings to average equity (ytd only) | 8.0967% | 1,928 |
| Net charge-offs to loans | 0.0029% | 2,427 |
| Credit loss provision to net charge-offs | 6,780.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 633.6000% | 249 |
| Efficiency ratio | 64.0286% | 2,490 |
| Assets per employee ($millions) | 7.1080% | 1,874 |
| Cash dividends to net income (ytd only)* | 22.4039% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 2,783 |
| Loan loss allowance to noncurrent loans | 84.4347% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 1.0090% | 512 |
| Noncurrent loans to loans | 1.3218% | 579 |
| Net loans and leases to total assets | 75.4800% | 1,178 |
| Net loans and leases to deposits | 89.6542% | 1,257 |
| Net loans and leases to core deposits | 96.0112% | 1,548 |
| Total domestic deposits to total assets | 84.1900% | 2,720 |
| Equity capital to assets | 8.7378% | 2,580 |
| Core capital (leverage) ratio | 8.8704% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8264% | 2,335 |
| Memoranda: | ||
| Average total assets | $620,059,500 | 1,435 |
| Average earning assets | $595,265,500 | 1,390 |
| Average equity | $55,494,500 | 1,466 |
| Average total loans | $461,960,750 | 1,316 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2402% | 3,209 |
| Cost of funding earning assets | 0.5092% | 3,961 |
| Net interest margin | 3.7310% | 1,754 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.4561% | 2,330 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.9422% | 2,606 |
| Return on assets (ROA) | 0.9422% | 2,598 |
| Pretax return on assets | 1.2589% | 2,193 |
| Return on Equity (ROE) | 10.4400% | 2,576 |
| Retained earnings to average equity (ytd only) | 8.0807% | 1,930 |
| Net charge-offs to loans | 0.0053% | 2,067 |
| Credit loss provision to net charge-offs | 4,150.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 367.2500% | 388 |
| Efficiency ratio | 62.9134% | 2,607 |
| Assets per employee ($millions) | 7.0367% | 1,899 |
| Cash dividends to net income (ytd only)* | 22.5941% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 2,751 |
| Loan loss allowance to noncurrent loans | 80.5410% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 416 |
| Noncurrent loans to loans | 1.4162% | 489 |
| Net loans and leases to total assets | 74.5800% | 1,219 |
| Net loans and leases to deposits | 86.7780% | 1,440 |
| Net loans and leases to core deposits | 91.8976% | 1,692 |
| Total domestic deposits to total assets | 85.9500% | 2,244 |
| Equity capital to assets | 8.9268% | 2,567 |
| Core capital (leverage) ratio | 9.1348% | 3,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1733% | 2,225 |
| Memoranda: | ||
| Average total assets | $608,766,667 | 1,456 |
| Average earning assets | $584,453,667 | 1,415 |
| Average equity | $54,946,000 | 1,483 |
| Average total loans | $449,556,000 | 1,325 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1032% | 3,248 |
| Cost of funding earning assets | 0.3422% | 4,102 |
| Net interest margin | 3.7610% | 1,765 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.4386% | 2,406 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0493% | 2,387 |
| Return on assets (ROA) | 1.0493% | 2,352 |
| Pretax return on assets | 1.4086% | 1,865 |
| Return on Equity (ROE) | 11.5600% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.1800% | 1,890 |
| Net charge-offs to loans | 0.0037% | 1,869 |
| Credit loss provision to net charge-offs | 4,300.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 563.5000% | 204 |
| Efficiency ratio | 61.8742% | 2,717 |
| Assets per employee ($millions) | 6.8701% | 2,063 |
| Cash dividends to net income (ytd only)* | 20.5845% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 2,891 |
| Loan loss allowance to noncurrent loans | 74.7604% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1220% | 340 |
| Noncurrent loans to loans | 1.5155% | 429 |
| Net loans and leases to total assets | 73.1900% | 1,300 |
| Net loans and leases to deposits | 82.3205% | 1,624 |
| Net loans and leases to core deposits | 85.8742% | 1,874 |
| Total domestic deposits to total assets | 88.9100% | 1,578 |
| Equity capital to assets | 9.0785% | 2,455 |
| Core capital (leverage) ratio | 9.2525% | 3,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6205% | 2,128 |
| Memoranda: | ||
| Average total assets | $600,019,000 | 1,500 |
| Average earning assets | $576,235,000 | 1,455 |
| Average equity | $54,466,500 | 1,503 |
| Average total loans | $438,097,000 | 1,357 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 2,977 |
| Cost of funding earning assets | 0.1869% | 3,859 |
| Net interest margin | 3.3515% | 2,419 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.4678% | 2,212 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.8508% | 3,147 |
| Return on assets (ROA) | 0.8513% | 3,079 |
| Pretax return on assets | 1.1229% | 2,702 |
| Return on Equity (ROE) | 9.9500% | 2,826 |
| Retained earnings to average equity (ytd only) | 7.7642% | 1,927 |
| Net charge-offs to loans | -0.0183% | 4,035 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2188% | 1,650 |
| Assets per employee ($millions) | 6.8445% | 2,087 |
| Cash dividends to net income (ytd only)* | 21.9469% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 2,914 |
| Loan loss allowance to noncurrent loans | 66.1502% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1922% | 319 |
| Noncurrent loans to loans | 1.6563% | 380 |
| Net loans and leases to total assets | 71.1900% | 1,501 |
| Net loans and leases to deposits | 78.7193% | 1,877 |
| Net loans and leases to core deposits | 81.9375% | 2,010 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 9.0764% | 2,314 |
| Core capital (leverage) ratio | 8.7846% | 3,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7857% | 2,059 |
| Memoranda: | ||
| Average total assets | $602,106,800 | 1,474 |
| Average earning assets | $577,362,000 | 1,432 |
| Average equity | $51,531,600 | 1,575 |
| Average total loans | $388,129,200 | 1,433 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3360% | 3,085 |
| Cost of funding earning assets | 0.1864% | 3,438 |
| Net interest margin | 3.1496% | 2,778 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3808% | 2,395 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.7574% | 3,397 |
| Return on assets (ROA) | 0.7581% | 3,336 |
| Pretax return on assets | 1.0023% | 3,004 |
| Return on Equity (ROE) | 8.9900% | 3,032 |
| Retained earnings to average equity (ytd only) | 6.8128% | 2,442 |
| Net charge-offs to loans | -0.0265% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.6774% | 1,560 |
| Assets per employee ($millions) | 7.1406% | 1,844 |
| Cash dividends to net income (ytd only)* | 24.2354% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 2,455 |
| Loan loss allowance to noncurrent loans | 65.5385% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 1.1717% | 361 |
| Noncurrent loans to loans | 1.8517% | 337 |
| Net loans and leases to total assets | 62.5100% | 2,232 |
| Net loans and leases to deposits | 68.4201% | 2,502 |
| Net loans and leases to core deposits | 71.3104% | 2,545 |
| Total domestic deposits to total assets | 91.3600% | 1,098 |
| Equity capital to assets | 8.2716% | 2,707 |
| Core capital (leverage) ratio | 8.5009% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4395% | 1,891 |
| Memoranda: | ||
| Average total assets | $603,766,250 | 1,478 |
| Average earning assets | $578,690,250 | 1,437 |
| Average equity | $50,902,750 | 1,625 |
| Average total loans | $378,007,500 | 1,455 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 2,986 |
| Cost of funding earning assets | 0.1998% | 2,915 |
| Net interest margin | 3.0213% | 2,823 |
| Noninterest income to average assets | 0.3088% | 3,311 |
| Noninterest expense to average assets | 2.3507% | 2,396 |
| Loan and lease loss provision to assets | -0.0421% | 4,496 |
| Net operating income to assets | 0.6739% | 3,398 |
| Return on assets (ROA) | 0.6750% | 3,345 |
| Pretax return on assets | 0.8931% | 3,089 |
| Return on Equity (ROE) | 7.9526% | 3,028 |
| Retained earnings to average equity (ytd only) | 5.7559% | 2,416 |
| Net charge-offs to loans | -0.0195% | 3,859 |
| Credit loss provision to net charge-offs | 347.2222% | 748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4513% | 1,576 |
| Assets per employee ($millions) | 6.9383% | 1,980 |
| Cash dividends to net income (ytd only)* | 27.6224% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,053 |
| Loan loss allowance to noncurrent loans | 65.3700% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2505% | 332 |
| Noncurrent loans to loans | 2.0332% | 319 |
| Net loans and leases to total assets | 60.6858% | 2,251 |
| Net loans and leases to deposits | 66.5276% | 2,506 |
| Net loans and leases to core deposits | 69.1869% | 2,550 |
| Total domestic deposits to total assets | 91.2190% | 1,143 |
| Equity capital to assets | 8.3882% | 2,846 |
| Core capital (leverage) ratio | 8.5297% | 3,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1329% | 1,673 |
| Memoranda: | ||
| Average total assets | $593,184,333 | 1,513 |
| Average earning assets | $567,708,333 | 1,474 |
| Average equity | $50,348,000 | 1,674 |
| Average total loans | $369,970,333 | 1,476 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1734% | 2,767 |
| Cost of funding earning assets | 0.2160% | 2,581 |
| Net interest margin | 2.9574% | 2,644 |
| Noninterest income to average assets | 0.3196% | 3,184 |
| Noninterest expense to average assets | 2.3679% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5892% | 3,427 |
| Return on assets (ROA) | 0.5892% | 3,410 |
| Pretax return on assets | 0.7815% | 3,164 |
| Return on Equity (ROE) | 6.8999% | 3,066 |
| Retained earnings to average equity (ytd only) | 4.6881% | 2,710 |
| Net charge-offs to loans | 0.0076% | 1,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 163.1429% | 505 |
| Efficiency ratio | 75.1847% | 1,612 |
| Assets per employee ($millions) | 6.5979% | 2,296 |
| Cash dividends to net income (ytd only)* | 32.0557% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 1,971 |
| Loan loss allowance to noncurrent loans | 65.6020% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 1.3023% | 311 |
| Noncurrent loans to loans | 2.1112% | 334 |
| Net loans and leases to total assets | 60.8305% | 1,976 |
| Net loans and leases to deposits | 66.7643% | 2,271 |
| Net loans and leases to core deposits | 71.0110% | 2,210 |
| Total domestic deposits to total assets | 91.1124% | 974 |
| Equity capital to assets | 8.4676% | 3,187 |
| Core capital (leverage) ratio | 8.6898% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4757% | 1,649 |
| Memoranda: | ||
| Average total assets | $584,491,000 | 1,545 |
| Average earning assets | $559,269,000 | 1,504 |
| Average equity | $49,914,000 | 1,745 |
| Average total loans | $367,195,000 | 1,467 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7959% | 1,879 |
| Cost of funding earning assets | 0.3072% | 2,338 |
| Net interest margin | 3.4887% | 1,772 |
| Noninterest income to average assets | 0.3704% | 3,216 |
| Noninterest expense to average assets | 2.3294% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0068% | 2,642 |
| Return on assets (ROA) | 1.0068% | 2,714 |
| Pretax return on assets | 1.3570% | 2,184 |
| Return on Equity (ROE) | 11.2369% | 2,085 |
| Retained earnings to average equity (ytd only) | 8.1442% | 1,481 |
| Net charge-offs to loans | 0.0097% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 199.9722% | 545 |
| Efficiency ratio | 63.1897% | 2,685 |
| Assets per employee ($millions) | 7.1009% | 1,862 |
| Cash dividends to net income (ytd only)* | 27.5229% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 2,001 |
| Loan loss allowance to noncurrent loans | 65.2118% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3544% | 330 |
| Noncurrent loans to loans | 2.1163% | 358 |
| Net loans and leases to total assets | 63.1149% | 1,808 |
| Net loans and leases to deposits | 69.5011% | 2,179 |
| Net loans and leases to core deposits | 76.7371% | 1,857 |
| Total domestic deposits to total assets | 90.8113% | 578 |
| Equity capital to assets | 8.6142% | 3,973 |
| Core capital (leverage) ratio | 8.6600% | 3,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4251% | 1,704 |
| Memoranda: | ||
| Average total assets | $530,515,400 | 1,622 |
| Average earning assets | $504,259,600 | 1,592 |
| Average equity | $47,531,000 | 1,841 |
| Average total loans | $371,598,200 | 1,455 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 1,911 |
| Cost of funding earning assets | 0.3253% | 2,348 |
| Net interest margin | 3.5256% | 1,795 |
| Noninterest income to average assets | 0.3805% | 3,209 |
| Noninterest expense to average assets | 2.3038% | 2,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0531% | 2,718 |
| Return on assets (ROA) | 1.0531% | 2,787 |
| Pretax return on assets | 1.4215% | 2,250 |
| Return on Equity (ROE) | 11.6299% | 2,164 |
| Retained earnings to average equity (ytd only) | 9.4695% | 1,503 |
| Net charge-offs to loans | 0.0362% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 54.8218% | 1,187 |
| Efficiency ratio | 61.8427% | 2,726 |
| Assets per employee ($millions) | 7.8279% | 1,358 |
| Cash dividends to net income (ytd only)* | 18.5763% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 2,148 |
| Loan loss allowance to noncurrent loans | 95.1803% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 724 |
| Noncurrent loans to loans | 1.4369% | 736 |
| Net loans and leases to total assets | 64.1840% | 1,747 |
| Net loans and leases to deposits | 70.6910% | 2,170 |
| Net loans and leases to core deposits | 78.1609% | 1,884 |
| Total domestic deposits to total assets | 90.7953% | 435 |
| Equity capital to assets | 8.6636% | 4,093 |
| Core capital (leverage) ratio | 8.9544% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8240% | 1,680 |
| Memoranda: | ||
| Average total assets | $519,350,500 | 1,664 |
| Average earning assets | $492,730,250 | 1,639 |
| Average equity | $47,027,000 | 1,877 |
| Average total loans | $372,472,500 | 1,476 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9041% | 1,804 |
| Cost of funding earning assets | 0.3510% | 2,312 |
| Net interest margin | 3.5531% | 1,700 |
| Noninterest income to average assets | 0.3884% | 3,165 |
| Noninterest expense to average assets | 2.3155% | 2,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0638% | 2,669 |
| Return on assets (ROA) | 1.0638% | 2,743 |
| Pretax return on assets | 1.4356% | 2,226 |
| Return on Equity (ROE) | 11.5624% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.3998% | 1,590 |
| Net charge-offs to loans | 0.0043% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 452.7500% | 286 |
| Efficiency ratio | 61.7287% | 2,769 |
| Assets per employee ($millions) | 6.2574% | 2,381 |
| Cash dividends to net income (ytd only)* | 18.7034% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3429% | 2,231 |
| Loan loss allowance to noncurrent loans | 89.1137% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 1.1037% | 664 |
| Noncurrent loans to loans | 1.5070% | 751 |
| Net loans and leases to total assets | 72.2530% | 932 |
| Net loans and leases to deposits | 80.0239% | 1,423 |
| Net loans and leases to core deposits | 88.8201% | 1,219 |
| Total domestic deposits to total assets | 90.2893% | 651 |
| Equity capital to assets | 9.1618% | 3,644 |
| Core capital (leverage) ratio | 9.2490% | 3,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5903% | 1,770 |
| Memoranda: | ||
| Average total assets | $504,596,667 | 1,700 |
| Average earning assets | $477,550,667 | 1,678 |
| Average equity | $46,426,333 | 1,883 |
| Average total loans | $374,375,000 | 1,474 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 1,389 |
| Cost of funding earning assets | 0.3778% | 2,288 |
| Net interest margin | 3.7201% | 1,293 |
| Noninterest income to average assets | 0.4095% | 3,042 |
| Noninterest expense to average assets | 2.2952% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2051% | 2,122 |
| Return on assets (ROA) | 1.2051% | 2,206 |
| Pretax return on assets | 1.6315% | 1,648 |
| Return on Equity (ROE) | 13.0693% | 1,657 |
| Retained earnings to average equity (ytd only) | 10.9405% | 1,414 |
| Net charge-offs to loans | 0.0032% | 1,813 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 140 |
| Efficiency ratio | 58.4511% | 3,243 |
| Assets per employee ($millions) | 6.7797% | 1,955 |
| Cash dividends to net income (ytd only)* | 16.2884% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 2,162 |
| Loan loss allowance to noncurrent loans | 87.5964% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1479% | 665 |
| Noncurrent loans to loans | 1.5505% | 797 |
| Net loans and leases to total assets | 73.0317% | 896 |
| Net loans and leases to deposits | 81.0014% | 1,421 |
| Net loans and leases to core deposits | 90.3820% | 1,205 |
| Total domestic deposits to total assets | 90.1610% | 746 |
| Equity capital to assets | 9.1449% | 3,545 |
| Core capital (leverage) ratio | 9.3562% | 3,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8448% | 1,621 |
| Memoranda: | ||
| Average total assets | $497,213,000 | 1,706 |
| Average earning assets | $470,096,500 | 1,682 |
| Average equity | $45,848,000 | 1,890 |
| Average total loans | $371,380,500 | 1,484 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 1,730 |
| Cost of funding earning assets | 0.5820% | 2,433 |
| Net interest margin | 3.7649% | 1,603 |
| Noninterest income to average assets | 0.3991% | 3,089 |
| Noninterest expense to average assets | 2.5389% | 2,724 |
| Loan and lease loss provision to assets | 0.4315% | 668 |
| Net operating income to assets | 0.7310% | 3,330 |
| Return on assets (ROA) | 0.7346% | 3,440 |
| Pretax return on assets | 0.9697% | 3,143 |
| Return on Equity (ROE) | 7.3267% | 3,064 |
| Retained earnings to average equity (ytd only) | 5.6240% | 1,982 |
| Net charge-offs to loans | 0.0047% | 3,188 |
| Credit loss provision to net charge-offs | 11,737.5000% | 88 |
| Earnings coverage of net charge-offs (x) | 379.8750% | 289 |
| Efficiency ratio | 64.5122% | 2,738 |
| Assets per employee ($millions) | 6.4793% | 1,937 |
| Cash dividends to net income (ytd only)* | 23.2405% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3970% | 1,982 |
| Loan loss allowance to noncurrent loans | 86.8761% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2121% | 710 |
| Noncurrent loans to loans | 1.6080% | 822 |
| Net loans and leases to total assets | 74.3250% | 982 |
| Net loans and leases to deposits | 82.4959% | 1,598 |
| Net loans and leases to core deposits | 93.2737% | 1,288 |
| Total domestic deposits to total assets | 90.0954% | 530 |
| Equity capital to assets | 9.3006% | 3,785 |
| Core capital (leverage) ratio | 9.3034% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4295% | 1,705 |
| Memoranda: | ||
| Average total assets | $435,184,400 | 1,746 |
| Average earning assets | $408,780,800 | 1,737 |
| Average equity | $43,634,800 | 1,880 |
| Average total loans | $340,380,400 | 1,537 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3180% | 2,045 |
| Cost of funding earning assets | 0.6076% | 2,567 |
| Net interest margin | 3.7104% | 1,907 |
| Noninterest income to average assets | 0.4131% | 3,014 |
| Noninterest expense to average assets | 2.5013% | 2,842 |
| Loan and lease loss provision to assets | 0.5768% | 453 |
| Net operating income to assets | 0.6233% | 3,709 |
| Return on assets (ROA) | 0.6283% | 3,790 |
| Pretax return on assets | 0.8218% | 3,588 |
| Return on Equity (ROE) | 6.1386% | 3,511 |
| Retained earnings to average equity (ytd only) | 4.5970% | 2,747 |
| Net charge-offs to loans | -0.0004% | 3,774 |
| Credit loss provision to net charge-offs | -182,800.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2406% | 2,697 |
| Assets per employee ($millions) | 6.1400% | 2,146 |
| Cash dividends to net income (ytd only)* | 25.1130% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 1,935 |
| Loan loss allowance to noncurrent loans | 92.6371% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 884 |
| Noncurrent loans to loans | 1.4618% | 985 |
| Net loans and leases to total assets | 78.3184% | 795 |
| Net loans and leases to deposits | 89.7664% | 1,292 |
| Net loans and leases to core deposits | 100.7403% | 1,111 |
| Total domestic deposits to total assets | 87.2469% | 1,559 |
| Equity capital to assets | 9.3490% | 3,821 |
| Core capital (leverage) ratio | 9.5098% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8516% | 1,547 |
| Memoranda: | ||
| Average total assets | $422,493,500 | 1,766 |
| Average earning assets | $396,316,250 | 1,759 |
| Average equity | $43,244,500 | 1,886 |
| Average total loans | $333,901,000 | 1,556 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 2,343 |
| Cost of funding earning assets | 0.6285% | 2,822 |
| Net interest margin | 3.7202% | 2,095 |
| Noninterest income to average assets | 0.4387% | 2,866 |
| Noninterest expense to average assets | 2.5396% | 2,856 |
| Loan and lease loss provision to assets | 0.7409% | 352 |
| Net operating income to assets | 0.4935% | 4,039 |
| Return on assets (ROA) | 0.5013% | 4,090 |
| Pretax return on assets | 0.6492% | 3,971 |
| Return on Equity (ROE) | 4.7384% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.0797% | 3,349 |
| Net charge-offs to loans | 0.0019% | 2,956 |
| Credit loss provision to net charge-offs | 50,100.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 933.3333% | 97 |
| Efficiency ratio | 64.7887% | 2,696 |
| Assets per employee ($millions) | 5.9803% | 2,199 |
| Cash dividends to net income (ytd only)* | 35.0049% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,088 |
| Loan loss allowance to noncurrent loans | 88.5949% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1806% | 930 |
| Noncurrent loans to loans | 1.4477% | 1,056 |
| Net loans and leases to total assets | 80.5062% | 537 |
| Net loans and leases to deposits | 94.0141% | 966 |
| Net loans and leases to core deposits | 104.5011% | 971 |
| Total domestic deposits to total assets | 85.6321% | 2,148 |
| Equity capital to assets | 9.5382% | 3,626 |
| Core capital (leverage) ratio | 10.0619% | 2,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7119% | 1,568 |
| Memoranda: | ||
| Average total assets | $405,732,000 | 1,794 |
| Average earning assets | $379,652,000 | 1,783 |
| Average equity | $42,926,000 | 1,888 |
| Average total loans | $320,083,000 | 1,593 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3952% | 2,632 |
| Cost of funding earning assets | 0.6550% | 3,147 |
| Net interest margin | 3.7402% | 2,178 |
| Noninterest income to average assets | 0.4468% | 2,810 |
| Noninterest expense to average assets | 2.7597% | 2,546 |
| Loan and lease loss provision to assets | 0.4856% | 608 |
| Net operating income to assets | 0.5240% | 3,828 |
| Return on assets (ROA) | 0.5381% | 3,841 |
| Pretax return on assets | 0.7112% | 3,647 |
| Return on Equity (ROE) | 4.8041% | 3,705 |
| Retained earnings to average equity (ytd only) | 2.5378% | 3,254 |
| Net charge-offs to loans | 0.0027% | 2,500 |
| Credit loss provision to net charge-offs | 23,150.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 562.0000% | 105 |
| Efficiency ratio | 70.0666% | 2,341 |
| Assets per employee ($millions) | 5.1388% | 2,488 |
| Cash dividends to net income (ytd only)* | 47.1735% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,522 |
| Loan loss allowance to noncurrent loans | 68.9879% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.3972% | 802 |
| Noncurrent loans to loans | 1.7792% | 846 |
| Net loans and leases to total assets | 77.5659% | 1,046 |
| Net loans and leases to deposits | 92.7220% | 1,209 |
| Net loans and leases to core deposits | 102.9170% | 1,252 |
| Total domestic deposits to total assets | 83.6542% | 2,903 |
| Equity capital to assets | 11.1305% | 2,748 |
| Core capital (leverage) ratio | 11.3236% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5805% | 1,724 |
| Memoranda: | ||
| Average total assets | $381,348,500 | 1,836 |
| Average earning assets | $356,028,500 | 1,823 |
| Average equity | $42,713,500 | 1,886 |
| Average total loans | $294,797,500 | 1,662 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5730% | 2,700 |
| Cost of funding earning assets | 0.6304% | 3,502 |
| Net interest margin | 3.9426% | 2,025 |
| Noninterest income to average assets | 0.3865% | 3,376 |
| Noninterest expense to average assets | 2.8195% | 2,541 |
| Loan and lease loss provision to assets | 0.0522% | 2,981 |
| Net operating income to assets | 0.8807% | 3,284 |
| Return on assets (ROA) | 0.8813% | 3,361 |
| Pretax return on assets | 1.1762% | 2,927 |
| Return on Equity (ROE) | 7.9905% | 3,163 |
| Retained earnings to average equity (ytd only) | 6.2337% | 1,754 |
| Net charge-offs to loans | -0.0014% | 4,194 |
| Credit loss provision to net charge-offs | -4,875.0000% | 4,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6667% | 2,227 |
| Assets per employee ($millions) | 4.8370% | 2,792 |
| Cash dividends to net income (ytd only)* | 21.9860% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 2,770 |
| Loan loss allowance to noncurrent loans | 64.8983% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.3446% | 801 |
| Noncurrent loans to loans | 1.7474% | 782 |
| Net loans and leases to total assets | 75.1892% | 1,552 |
| Net loans and leases to deposits | 90.6787% | 1,517 |
| Net loans and leases to core deposits | 100.4718% | 1,524 |
| Total domestic deposits to total assets | 82.9184% | 3,224 |
| Equity capital to assets | 11.2723% | 2,741 |
| Core capital (leverage) ratio | 11.1830% | 2,352 |
| Tier 1 risk-based capital ratio | 14.8392% | 2,850 |
| Total risk-based capital ratio | 15.9746% | 2,819 |
| Memoranda: | ||
| Average total assets | $373,652,800 | 1,828 |
| Average earning assets | $346,924,400 | 1,827 |
| Average equity | $41,211,200 | 1,880 |
| Average total loans | $285,591,600 | 1,667 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 2,816 |
| Cost of funding earning assets | 0.6137% | 3,626 |
| Net interest margin | 3.9601% | 2,074 |
| Noninterest income to average assets | 0.3792% | 3,440 |
| Noninterest expense to average assets | 2.7818% | 2,617 |
| Loan and lease loss provision to assets | 0.0322% | 3,261 |
| Net operating income to assets | 0.9259% | 3,252 |
| Return on assets (ROA) | 0.9268% | 3,319 |
| Pretax return on assets | 1.2387% | 2,858 |
| Return on Equity (ROE) | 8.4502% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.8782% | 1,921 |
| Net charge-offs to loans | -0.0023% | 4,075 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6590% | 2,311 |
| Assets per employee ($millions) | 5.2666% | 2,267 |
| Cash dividends to net income (ytd only)* | 18.6028% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,104 |
| Loan loss allowance to noncurrent loans | 56.9106% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4202% | 807 |
| Noncurrent loans to loans | 1.9078% | 734 |
| Net loans and leases to total assets | 73.6325% | 1,890 |
| Net loans and leases to deposits | 89.0677% | 1,802 |
| Net loans and leases to core deposits | 97.3169% | 1,873 |
| Total domestic deposits to total assets | 82.6703% | 3,258 |
| Equity capital to assets | 10.7921% | 3,300 |
| Core capital (leverage) ratio | 11.1474% | 2,515 |
| Tier 1 risk-based capital ratio | 14.4862% | 3,082 |
| Total risk-based capital ratio | 15.5711% | 3,075 |
| Memoranda: | ||
| Average total assets | $372,744,000 | 1,853 |
| Average earning assets | $345,677,000 | 1,846 |
| Average equity | $40,881,750 | 1,899 |
| Average total loans | $285,256,000 | 1,677 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6132% | 2,636 |
| Cost of funding earning assets | 0.5962% | 3,666 |
| Net interest margin | 4.0170% | 1,863 |
| Noninterest income to average assets | 0.3601% | 3,521 |
| Noninterest expense to average assets | 2.8337% | 2,474 |
| Loan and lease loss provision to assets | 0.0163% | 3,460 |
| Net operating income to assets | 0.9205% | 3,206 |
| Return on assets (ROA) | 0.9213% | 3,266 |
| Pretax return on assets | 1.2335% | 2,806 |
| Return on Equity (ROE) | 8.3529% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.1674% | 1,735 |
| Net charge-offs to loans | -0.0155% | 4,463 |
| Credit loss provision to net charge-offs | -136.3636% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4115% | 2,315 |
| Assets per employee ($millions) | 5.0401% | 2,429 |
| Cash dividends to net income (ytd only)* | 14.1928% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,056 |
| Loan loss allowance to noncurrent loans | 56.2760% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5006% | 751 |
| Noncurrent loans to loans | 1.9593% | 738 |
| Net loans and leases to total assets | 75.7438% | 1,588 |
| Net loans and leases to deposits | 92.4006% | 1,442 |
| Net loans and leases to core deposits | 100.6425% | 1,662 |
| Total domestic deposits to total assets | 81.9733% | 3,518 |
| Equity capital to assets | 11.2150% | 2,842 |
| Core capital (leverage) ratio | 11.2016% | 2,418 |
| Tier 1 risk-based capital ratio | 14.7451% | 2,941 |
| Total risk-based capital ratio | 15.8553% | 2,939 |
| Memoranda: | ||
| Average total assets | $367,082,000 | 1,881 |
| Average earning assets | $340,155,670 | 1,868 |
| Average equity | $40,489,000 | 1,912 |
| Average total loans | $283,635,330 | 1,698 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 2,526 |
| Cost of funding earning assets | 0.5690% | 3,738 |
| Net interest margin | 4.0328% | 1,741 |
| Noninterest income to average assets | 0.3600% | 3,449 |
| Noninterest expense to average assets | 2.7655% | 2,690 |
| Loan and lease loss provision to assets | 0.0218% | 3,158 |
| Net operating income to assets | 0.9753% | 2,947 |
| Return on assets (ROA) | 0.9753% | 2,990 |
| Pretax return on assets | 1.3069% | 2,431 |
| Return on Equity (ROE) | 8.9173% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.9173% | 1,349 |
| Net charge-offs to loans | 0.0408% | 1,687 |
| Credit loss provision to net charge-offs | 68.9655% | 1,859 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 1,123 |
| Efficiency ratio | 67.5460% | 2,704 |
| Assets per employee ($millions) | 4.8520% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,281 |
| Loan loss allowance to noncurrent loans | 56.3657% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 821 |
| Noncurrent loans to loans | 1.9021% | 798 |
| Net loans and leases to total assets | 76.2215% | 1,441 |
| Net loans and leases to deposits | 93.7875% | 1,196 |
| Net loans and leases to core deposits | 101.6576% | 1,491 |
| Total domestic deposits to total assets | 81.2705% | 3,913 |
| Equity capital to assets | 11.0118% | 2,839 |
| Core capital (leverage) ratio | 11.1761% | 2,409 |
| Tier 1 risk-based capital ratio | 14.4314% | 3,129 |
| Total risk-based capital ratio | 15.5139% | 3,142 |
| Memoranda: | ||
| Average total assets | $366,660,000 | 1,894 |
| Average earning assets | $339,517,500 | 1,884 |
| Average equity | $40,102,000 | 1,921 |
| Average total loans | $284,559,000 | 1,696 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 2,207 |
| Cost of funding earning assets | 0.5157% | 3,254 |
| Net interest margin | 4.0605% | 1,792 |
| Noninterest income to average assets | 0.3462% | 3,797 |
| Noninterest expense to average assets | 2.8042% | 2,678 |
| Loan and lease loss provision to assets | 0.0725% | 2,685 |
| Net operating income to assets | 0.9107% | 3,402 |
| Return on assets (ROA) | 0.8958% | 3,446 |
| Pretax return on assets | 1.2027% | 2,870 |
| Return on Equity (ROE) | 8.3482% | 3,303 |
| Retained earnings to average equity (ytd only) | 5.9196% | 2,236 |
| Net charge-offs to loans | -0.0199% | 4,700 |
| Credit loss provision to net charge-offs | -460.7143% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4254% | 2,480 |
| Assets per employee ($millions) | 4.8609% | 2,667 |
| Cash dividends to net income (ytd only)* | 29.0909% | 3,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0719% | 3,258 |
| Loan loss allowance to noncurrent loans | 56.6475% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 797 |
| Noncurrent loans to loans | 1.8922% | 730 |
| Net loans and leases to total assets | 77.3377% | 1,387 |
| Net loans and leases to deposits | 95.0162% | 1,169 |
| Net loans and leases to core deposits | 102.8725% | 1,514 |
| Total domestic deposits to total assets | 81.3943% | 3,809 |
| Equity capital to assets | 10.8615% | 2,836 |
| Core capital (leverage) ratio | 10.8725% | 2,654 |
| Tier 1 risk-based capital ratio | 14.0137% | 3,281 |
| Total risk-based capital ratio | 15.0949% | 3,291 |
| Memoranda: | ||
| Average total assets | $356,105,400 | 1,893 |
| Average earning assets | $329,047,200 | 1,893 |
| Average equity | $38,212,000 | 1,928 |
| Average total loans | $281,454,400 | 1,671 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5450% | 2,142 |
| Cost of funding earning assets | 0.5046% | 3,169 |
| Net interest margin | 4.0405% | 1,824 |
| Noninterest income to average assets | 0.3484% | 3,806 |
| Noninterest expense to average assets | 2.7876% | 2,678 |
| Loan and lease loss provision to assets | 0.0934% | 2,111 |
| Net operating income to assets | 0.8967% | 3,543 |
| Return on assets (ROA) | 0.8765% | 3,639 |
| Pretax return on assets | 1.1759% | 3,091 |
| Return on Equity (ROE) | 8.1937% | 3,469 |
| Retained earnings to average equity (ytd only) | 5.7712% | 2,778 |
| Net charge-offs to loans | -0.0542% | 4,963 |
| Credit loss provision to net charge-offs | -217.5439% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2812% | 2,489 |
| Assets per employee ($millions) | 4.7265% | 2,811 |
| Cash dividends to net income (ytd only)* | 29.5659% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,299 |
| Loan loss allowance to noncurrent loans | 54.6014% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5821% | 800 |
| Noncurrent loans to loans | 1.9792% | 749 |
| Net loans and leases to total assets | 79.0686% | 1,155 |
| Net loans and leases to deposits | 98.5466% | 906 |
| Net loans and leases to core deposits | 106.3533% | 1,285 |
| Total domestic deposits to total assets | 80.2347% | 4,060 |
| Equity capital to assets | 10.8247% | 2,823 |
| Core capital (leverage) ratio | 10.9881% | 2,587 |
| Tier 1 risk-based capital ratio | 13.6154% | 3,564 |
| Total risk-based capital ratio | 14.7019% | 3,568 |
| Memoranda: | ||
| Average total assets | $353,989,000 | 1,913 |
| Average earning assets | $327,147,250 | 1,910 |
| Average equity | $37,865,500 | 1,949 |
| Average total loans | $280,566,500 | 1,685 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 2,102 |
| Cost of funding earning assets | 0.5038% | 2,983 |
| Net interest margin | 3.9908% | 1,892 |
| Noninterest income to average assets | 0.3520% | 3,809 |
| Noninterest expense to average assets | 2.7986% | 2,660 |
| Loan and lease loss provision to assets | 0.0852% | 2,214 |
| Net operating income to assets | 0.8681% | 3,592 |
| Return on assets (ROA) | 0.8380% | 3,725 |
| Pretax return on assets | 1.1231% | 3,219 |
| Return on Equity (ROE) | 7.8665% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.4789% | 2,837 |
| Net charge-offs to loans | -0.0790% | 5,080 |
| Credit loss provision to net charge-offs | -136.3636% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1887% | 2,450 |
| Assets per employee ($millions) | 4.6839% | 2,834 |
| Cash dividends to net income (ytd only)* | 30.3523% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0669% | 3,453 |
| Loan loss allowance to noncurrent loans | 51.9204% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 1.6454% | 761 |
| Noncurrent loans to loans | 2.0550% | 715 |
| Net loans and leases to total assets | 79.2133% | 1,126 |
| Net loans and leases to deposits | 98.9383% | 890 |
| Net loans and leases to core deposits | 106.5528% | 1,205 |
| Total domestic deposits to total assets | 80.0633% | 4,222 |
| Equity capital to assets | 10.8650% | 2,770 |
| Core capital (leverage) ratio | 10.7512% | 2,751 |
| Tier 1 risk-based capital ratio | 13.6925% | 3,512 |
| Total risk-based capital ratio | 14.7690% | 3,515 |
| Memoranda: | ||
| Average total assets | $352,246,670 | 1,927 |
| Average earning assets | $325,951,330 | 1,924 |
| Average equity | $37,526,000 | 1,964 |
| Average total loans | $278,378,670 | 1,700 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 2,097 |
| Cost of funding earning assets | 0.4914% | 2,860 |
| Net interest margin | 3.9374% | 1,907 |
| Noninterest income to average assets | 0.3663% | 3,690 |
| Noninterest expense to average assets | 2.7410% | 2,906 |
| Loan and lease loss provision to assets | 0.1361% | 1,389 |
| Net operating income to assets | 0.8470% | 3,518 |
| Return on assets (ROA) | 0.8335% | 3,596 |
| Pretax return on assets | 1.1159% | 3,111 |
| Return on Equity (ROE) | 7.9022% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.4939% | 2,955 |
| Net charge-offs to loans | -0.0101% | 4,253 |
| Credit loss provision to net charge-offs | -1,714.2857% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3541% | 2,774 |
| Assets per employee ($millions) | 4.7082% | 2,846 |
| Cash dividends to net income (ytd only)* | 30.4762% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,759 |
| Loan loss allowance to noncurrent loans | 46.4604% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.7482% | 714 |
| Noncurrent loans to loans | 2.2259% | 669 |
| Net loans and leases to total assets | 77.7236% | 1,280 |
| Net loans and leases to deposits | 97.1797% | 925 |
| Net loans and leases to core deposits | 104.3778% | 1,349 |
| Total domestic deposits to total assets | 79.9793% | 4,419 |
| Equity capital to assets | 10.6255% | 2,945 |
| Core capital (leverage) ratio | 10.6608% | 2,775 |
| Tier 1 risk-based capital ratio | 13.6697% | 3,561 |
| Total risk-based capital ratio | 14.7146% | 3,596 |
| Memoranda: | ||
| Average total assets | $352,724,000 | 1,935 |
| Average earning assets | $326,407,000 | 1,938 |
| Average equity | $37,205,000 | 1,990 |
| Average total loans | $276,932,500 | 1,706 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 2,009 |
| Cost of funding earning assets | 0.5327% | 2,086 |
| Net interest margin | 3.8756% | 2,164 |
| Noninterest income to average assets | 0.3629% | 3,873 |
| Noninterest expense to average assets | 2.7597% | 2,921 |
| Loan and lease loss provision to assets | 0.1290% | 1,776 |
| Net operating income to assets | 0.5694% | 4,146 |
| Return on assets (ROA) | 0.5614% | 4,215 |
| Pretax return on assets | 1.0362% | 3,430 |
| Return on Equity (ROE) | 5.3569% | 4,021 |
| Retained earnings to average equity (ytd only) | 2.9508% | 3,536 |
| Net charge-offs to loans | -0.0062% | 4,682 |
| Credit loss provision to net charge-offs | -2,617.6471% | 5,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0898% | 2,533 |
| Assets per employee ($millions) | 4.6978% | 2,870 |
| Cash dividends to net income (ytd only)* | 44.9148% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,998 |
| Loan loss allowance to noncurrent loans | 150.7701% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.5160% | 2,836 |
| Noncurrent loans to loans | 0.6574% | 2,568 |
| Net loans and leases to total assets | 77.7112% | 1,319 |
| Net loans and leases to deposits | 97.2923% | 964 |
| Net loans and leases to core deposits | 104.7264% | 1,361 |
| Total domestic deposits to total assets | 79.8739% | 4,360 |
| Equity capital to assets | 10.4702% | 3,194 |
| Core capital (leverage) ratio | 10.4640% | 2,885 |
| Tier 1 risk-based capital ratio | 13.4751% | 3,642 |
| Total risk-based capital ratio | 14.4763% | 3,703 |
| Memoranda: | ||
| Average total assets | $345,004,800 | 1,940 |
| Average earning assets | $318,192,400 | 1,942 |
| Average equity | $36,159,200 | 2,013 |
| Average total loans | $274,544,000 | 1,691 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 1,983 |
| Cost of funding earning assets | 0.5354% | 1,987 |
| Net interest margin | 3.8568% | 2,197 |
| Noninterest income to average assets | 0.3524% | 4,009 |
| Noninterest expense to average assets | 2.7616% | 2,854 |
| Loan and lease loss provision to assets | 0.1282% | 1,689 |
| Net operating income to assets | 0.6381% | 4,241 |
| Return on assets (ROA) | 0.6294% | 4,327 |
| Pretax return on assets | 1.0036% | 3,674 |
| Return on Equity (ROE) | 6.0038% | 4,123 |
| Retained earnings to average equity (ytd only) | 3.6097% | 3,773 |
| Net charge-offs to loans | -0.0127% | 4,704 |
| Credit loss provision to net charge-offs | -1,269.2308% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6842% | 2,420 |
| Assets per employee ($millions) | 4.6570% | 2,895 |
| Cash dividends to net income (ytd only)* | 39.8764% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 4,268 |
| Loan loss allowance to noncurrent loans | 127.9747% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 2,674 |
| Noncurrent loans to loans | 0.7527% | 2,481 |
| Net loans and leases to total assets | 77.5688% | 1,334 |
| Net loans and leases to deposits | 97.5582% | 961 |
| Net loans and leases to core deposits | 105.1331% | 1,323 |
| Total domestic deposits to total assets | 79.5103% | 4,437 |
| Equity capital to assets | 10.5041% | 3,371 |
| Core capital (leverage) ratio | 10.6094% | 2,867 |
| Tier 1 risk-based capital ratio | 13.5081% | 3,696 |
| Total risk-based capital ratio | 14.4783% | 3,780 |
| Memoranda: | ||
| Average total assets | $343,172,500 | 1,960 |
| Average earning assets | $316,284,750 | 1,969 |
| Average equity | $35,976,500 | 2,034 |
| Average total loans | $274,044,000 | 1,698 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 1,909 |
| Cost of funding earning assets | 0.5291% | 1,927 |
| Net interest margin | 3.8431% | 2,119 |
| Noninterest income to average assets | 0.3471% | 4,068 |
| Noninterest expense to average assets | 2.7948% | 2,784 |
| Loan and lease loss provision to assets | 0.1524% | 1,320 |
| Net operating income to assets | 0.5935% | 4,339 |
| Return on assets (ROA) | 0.5804% | 4,442 |
| Pretax return on assets | 0.9222% | 3,860 |
| Return on Equity (ROE) | 5.5401% | 4,248 |
| Retained earnings to average equity (ytd only) | 3.1338% | 3,842 |
| Net charge-offs to loans | 0.0212% | 2,799 |
| Credit loss provision to net charge-offs | 896.5517% | 416 |
| Earnings coverage of net charge-offs (x) | 64.4138% | 898 |
| Efficiency ratio | 71.8463% | 2,365 |
| Assets per employee ($millions) | 4.6336% | 2,885 |
| Cash dividends to net income (ytd only)* | 43.4343% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9169% | 4,570 |
| Loan loss allowance to noncurrent loans | 110.2328% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 2,550 |
| Noncurrent loans to loans | 0.8318% | 2,321 |
| Net loans and leases to total assets | 79.1051% | 1,081 |
| Net loans and leases to deposits | 99.7565% | 757 |
| Net loans and leases to core deposits | 106.8064% | 1,174 |
| Total domestic deposits to total assets | 79.2982% | 4,562 |
| Equity capital to assets | 10.5508% | 3,278 |
| Core capital (leverage) ratio | 10.5501% | 2,861 |
| Tier 1 risk-based capital ratio | 13.3164% | 3,792 |
| Total risk-based capital ratio | 14.2404% | 3,923 |
| Memoranda: | ||
| Average total assets | $341,139,000 | 1,975 |
| Average earning assets | $314,486,670 | 1,981 |
| Average equity | $35,739,330 | 2,038 |
| Average total loans | $274,204,670 | 1,694 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 1,831 |
| Cost of funding earning assets | 0.5266% | 1,887 |
| Net interest margin | 3.8189% | 2,049 |
| Noninterest income to average assets | 0.3597% | 3,960 |
| Noninterest expense to average assets | 2.7766% | 2,873 |
| Loan and lease loss provision to assets | 0.2057% | 796 |
| Net operating income to assets | 0.5671% | 4,298 |
| Return on assets (ROA) | 0.5408% | 4,461 |
| Pretax return on assets | 0.8570% | 3,910 |
| Return on Equity (ROE) | 5.1801% | 4,309 |
| Retained earnings to average equity (ytd only) | 2.7590% | 4,030 |
| Net charge-offs to loans | 0.0087% | 2,669 |
| Credit loss provision to net charge-offs | 2,916.6667% | 120 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 347 |
| Efficiency ratio | 71.5541% | 2,654 |
| Assets per employee ($millions) | 4.7935% | 2,707 |
| Cash dividends to net income (ytd only)* | 46.7391% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 4,784 |
| Loan loss allowance to noncurrent loans | 105.4287% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 2,410 |
| Noncurrent loans to loans | 0.8464% | 2,341 |
| Net loans and leases to total assets | 78.7413% | 1,020 |
| Net loans and leases to deposits | 99.2542% | 665 |
| Net loans and leases to core deposits | 106.6558% | 1,055 |
| Total domestic deposits to total assets | 79.3330% | 4,764 |
| Equity capital to assets | 10.3457% | 3,354 |
| Core capital (leverage) ratio | 10.5459% | 2,847 |
| Tier 1 risk-based capital ratio | 13.1386% | 4,004 |
| Total risk-based capital ratio | 14.0390% | 4,102 |
| Memoranda: | ||
| Average total assets | $340,267,000 | 1,988 |
| Average earning assets | $313,706,000 | 2,006 |
| Average equity | $35,520,500 | 2,059 |
| Average total loans | $274,433,000 | 1,705 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 1,847 |
| Cost of funding earning assets | 0.5491% | 1,699 |
| Net interest margin | 3.8422% | 2,165 |
| Noninterest income to average assets | 0.3449% | 4,272 |
| Noninterest expense to average assets | 2.8099% | 2,989 |
| Loan and lease loss provision to assets | 0.1597% | 1,545 |
| Net operating income to assets | 0.5673% | 4,358 |
| Return on assets (ROA) | 0.5675% | 4,460 |
| Pretax return on assets | 0.9047% | 3,840 |
| Return on Equity (ROE) | 5.3520% | 4,252 |
| Retained earnings to average equity (ytd only) | 2.9434% | 3,801 |
| Net charge-offs to loans | 0.1130% | 2,134 |
| Credit loss provision to net charge-offs | 180.9028% | 1,549 |
| Earnings coverage of net charge-offs (x) | 12.0521% | 2,489 |
| Efficiency ratio | 72.5309% | 2,500 |
| Assets per employee ($millions) | 4.5325% | 3,071 |
| Cash dividends to net income (ytd only)* | 45.0027% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 5,022 |
| Loan loss allowance to noncurrent loans | 165.9869% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 0.4958% | 3,274 |
| Noncurrent loans to loans | 0.4999% | 3,366 |
| Net loans and leases to total assets | 81.2095% | 710 |
| Net loans and leases to deposits | 102.7756% | 481 |
| Net loans and leases to core deposits | 111.0595% | 829 |
| Total domestic deposits to total assets | 79.0164% | 4,790 |
| Equity capital to assets | 10.5351% | 3,112 |
| Core capital (leverage) ratio | 10.6731% | 2,689 |
| Tier 1 risk-based capital ratio | 12.9417% | 4,109 |
| Total risk-based capital ratio | 13.7764% | 4,253 |
| Memoranda: | ||
| Average total assets | $326,172,600 | 2,026 |
| Average earning assets | $299,590,800 | 2,047 |
| Average equity | $34,585,400 | 2,104 |
| Average total loans | $254,864,400 | 1,769 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 1,947 |
| Cost of funding earning assets | 0.5525% | 1,667 |
| Net interest margin | 3.8170% | 2,270 |
| Noninterest income to average assets | 0.3532% | 4,259 |
| Noninterest expense to average assets | 2.8657% | 2,761 |
| Loan and lease loss provision to assets | 0.1544% | 1,509 |
| Net operating income to assets | 0.5255% | 4,591 |
| Return on assets (ROA) | 0.5257% | 4,693 |
| Pretax return on assets | 0.8378% | 4,195 |
| Return on Equity (ROE) | 4.9498% | 4,536 |
| Retained earnings to average equity (ytd only) | 2.5505% | 4,390 |
| Net charge-offs to loans | 0.1520% | 1,478 |
| Credit loss provision to net charge-offs | 131.5789% | 1,958 |
| Earnings coverage of net charge-offs (x) | 8.4526% | 2,766 |
| Efficiency ratio | 74.2903% | 2,223 |
| Assets per employee ($millions) | 4.4451% | 3,172 |
| Cash dividends to net income (ytd only)* | 48.4729% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 5,150 |
| Loan loss allowance to noncurrent loans | 149.1620% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 3,334 |
| Noncurrent loans to loans | 0.5453% | 3,361 |
| Net loans and leases to total assets | 79.1810% | 1,014 |
| Net loans and leases to deposits | 98.5352% | 806 |
| Net loans and leases to core deposits | 106.6393% | 1,135 |
| Total domestic deposits to total assets | 80.3581% | 4,427 |
| Equity capital to assets | 10.5934% | 3,462 |
| Core capital (leverage) ratio | 10.6436% | 2,833 |
| Tier 1 risk-based capital ratio | 13.3286% | 3,965 |
| Total risk-based capital ratio | 14.1456% | 4,140 |
| Memoranda: | ||
| Average total assets | $323,864,750 | 2,046 |
| Average earning assets | $297,330,000 | 2,060 |
| Average equity | $34,398,000 | 2,125 |
| Average total loans | $249,915,750 | 1,793 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3236% | 2,081 |
| Cost of funding earning assets | 0.5512% | 1,689 |
| Net interest margin | 3.7724% | 2,432 |
| Noninterest income to average assets | 0.3632% | 4,164 |
| Noninterest expense to average assets | 2.8767% | 2,755 |
| Loan and lease loss provision to assets | 0.1707% | 1,297 |
| Net operating income to assets | 0.4962% | 4,695 |
| Return on assets (ROA) | 0.4966% | 4,795 |
| Pretax return on assets | 0.7878% | 4,330 |
| Return on Equity (ROE) | 4.6717% | 4,650 |
| Retained earnings to average equity (ytd only) | 2.2658% | 4,435 |
| Net charge-offs to loans | 0.2157% | 1,086 |
| Credit loss provision to net charge-offs | 103.7736% | 2,039 |
| Earnings coverage of net charge-offs (x) | 5.8226% | 2,812 |
| Efficiency ratio | 75.0202% | 2,221 |
| Assets per employee ($millions) | 4.5864% | 2,888 |
| Cash dividends to net income (ytd only)* | 51.5000% | 1,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8052% | 5,271 |
| Loan loss allowance to noncurrent loans | 120.6107% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 3,167 |
| Noncurrent loans to loans | 0.6676% | 3,067 |
| Net loans and leases to total assets | 76.6266% | 1,394 |
| Net loans and leases to deposits | 95.1263% | 1,174 |
| Net loans and leases to core deposits | 102.6578% | 1,422 |
| Total domestic deposits to total assets | 80.5524% | 4,398 |
| Equity capital to assets | 10.4551% | 3,687 |
| Core capital (leverage) ratio | 10.6977% | 2,743 |
| Tier 1 risk-based capital ratio | 13.5802% | 3,851 |
| Total risk-based capital ratio | 14.3882% | 4,038 |
| Memoranda: | ||
| Average total assets | $322,173,000 | 2,064 |
| Average earning assets | $296,468,000 | 2,076 |
| Average equity | $34,248,670 | 2,134 |
| Average total loans | $245,689,670 | 1,826 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 1,930 |
| Cost of funding earning assets | 0.5580% | 1,638 |
| Net interest margin | 3.8022% | 2,277 |
| Noninterest income to average assets | 0.3822% | 3,971 |
| Noninterest expense to average assets | 2.8578% | 2,853 |
| Loan and lease loss provision to assets | 0.1446% | 1,460 |
| Net operating income to assets | 0.5507% | 4,421 |
| Return on assets (ROA) | 0.5507% | 4,520 |
| Pretax return on assets | 0.8751% | 3,956 |
| Return on Equity (ROE) | 5.1362% | 4,425 |
| Retained earnings to average equity (ytd only) | 2.7323% | 4,144 |
| Net charge-offs to loans | 0.2755% | 770 |
| Credit loss provision to net charge-offs | 69.2771% | 1,910 |
| Earnings coverage of net charge-offs (x) | 4.8855% | 2,383 |
| Efficiency ratio | 73.7030% | 2,527 |
| Assets per employee ($millions) | 4.5156% | 3,042 |
| Cash dividends to net income (ytd only)* | 46.8037% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8165% | 5,323 |
| Loan loss allowance to noncurrent loans | 116.1910% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.6447% | 3,121 |
| Noncurrent loans to loans | 0.7028% | 3,089 |
| Net loans and leases to total assets | 75.5839% | 1,456 |
| Net loans and leases to deposits | 94.3924% | 1,101 |
| Net loans and leases to core deposits | 102.1503% | 1,321 |
| Total domestic deposits to total assets | 80.0741% | 4,729 |
| Equity capital to assets | 10.6788% | 3,280 |
| Core capital (leverage) ratio | 10.7964% | 2,625 |
| Tier 1 risk-based capital ratio | 13.9909% | 3,705 |
| Total risk-based capital ratio | 14.8062% | 3,876 |
| Memoranda: | ||
| Average total assets | $318,149,000 | 2,097 |
| Average earning assets | $292,460,000 | 2,107 |
| Average equity | $34,110,500 | 2,138 |
| Average total loans | $240,989,000 | 1,853 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 2,064 |
| Cost of funding earning assets | 0.5826% | 1,477 |
| Net interest margin | 3.7659% | 2,499 |
| Noninterest income to average assets | 0.3028% | 4,715 |
| Noninterest expense to average assets | 2.7932% | 3,257 |
| Loan and lease loss provision to assets | -0.0766% | 5,807 |
| Net operating income to assets | 0.6567% | 4,010 |
| Return on assets (ROA) | 0.6567% | 4,099 |
| Pretax return on assets | 1.0475% | 3,277 |
| Return on Equity (ROE) | 6.0736% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.6653% | 3,447 |
| Net charge-offs to loans | -0.0753% | 5,697 |
| Credit loss provision to net charge-offs | 135.8382% | 1,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2056% | 2,548 |
| Assets per employee ($millions) | 4.3245% | 3,349 |
| Cash dividends to net income (ytd only)* | 39.6526% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8609% | 5,232 |
| Loan loss allowance to noncurrent loans | 117.5862% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 3,077 |
| Noncurrent loans to loans | 0.7322% | 2,991 |
| Net loans and leases to total assets | 74.6330% | 1,624 |
| Net loans and leases to deposits | 93.4033% | 1,264 |
| Net loans and leases to core deposits | 100.8415% | 1,451 |
| Total domestic deposits to total assets | 79.9040% | 4,767 |
| Equity capital to assets | 10.7650% | 3,058 |
| Core capital (leverage) ratio | 10.8609% | 2,545 |
| Tier 1 risk-based capital ratio | 14.2743% | 3,565 |
| Total risk-based capital ratio | 15.1336% | 3,709 |
| Memoranda: | ||
| Average total assets | $306,821,600 | 2,112 |
| Average earning assets | $282,005,000 | 2,124 |
| Average equity | $33,176,200 | 2,135 |
| Average total loans | $229,842,400 | 1,860 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 2,075 |
| Cost of funding earning assets | 0.5866% | 1,484 |
| Net interest margin | 3.7640% | 2,513 |
| Noninterest income to average assets | 0.2933% | 4,849 |
| Noninterest expense to average assets | 2.8171% | 3,113 |
| Loan and lease loss provision to assets | -0.1138% | 6,020 |
| Net operating income to assets | 0.6592% | 4,083 |
| Return on assets (ROA) | 0.6592% | 4,202 |
| Pretax return on assets | 1.0501% | 3,410 |
| Return on Equity (ROE) | 6.0894% | 4,113 |
| Retained earnings to average equity (ytd only) | 3.6876% | 3,843 |
| Net charge-offs to loans | -0.1030% | 5,795 |
| Credit loss provision to net charge-offs | 147.7273% | 1,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0554% | 2,396 |
| Assets per employee ($millions) | 4.1363% | 3,645 |
| Cash dividends to net income (ytd only)* | 39.4422% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8679% | 5,307 |
| Loan loss allowance to noncurrent loans | 115.2620% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.7178% | 3,115 |
| Noncurrent loans to loans | 0.7530% | 3,080 |
| Net loans and leases to total assets | 75.5276% | 1,455 |
| Net loans and leases to deposits | 95.1531% | 1,081 |
| Net loans and leases to core deposits | 101.5453% | 1,410 |
| Total domestic deposits to total assets | 79.3749% | 4,891 |
| Equity capital to assets | 10.9674% | 3,064 |
| Core capital (leverage) ratio | 10.8809% | 2,609 |
| Tier 1 risk-based capital ratio | 14.3504% | 3,651 |
| Total risk-based capital ratio | 15.2156% | 3,804 |
| Memoranda: | ||
| Average total assets | $304,604,500 | 2,135 |
| Average earning assets | $280,015,250 | 2,148 |
| Average equity | $32,974,250 | 2,164 |
| Average total loans | $227,889,250 | 1,888 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,080 |
| Cost of funding earning assets | 0.5877% | 1,502 |
| Net interest margin | 3.7439% | 2,531 |
| Noninterest income to average assets | 0.2394% | 5,243 |
| Noninterest expense to average assets | 2.8345% | 3,115 |
| Loan and lease loss provision to assets | -0.1710% | 6,156 |
| Net operating income to assets | 0.6399% | 4,175 |
| Return on assets (ROA) | 0.6399% | 4,282 |
| Pretax return on assets | 1.0154% | 3,522 |
| Return on Equity (ROE) | 5.9373% | 4,157 |
| Retained earnings to average equity (ytd only) | 3.5270% | 3,782 |
| Net charge-offs to loans | -0.1619% | 5,956 |
| Credit loss provision to net charge-offs | 142.0765% | 1,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0468% | 2,194 |
| Assets per employee ($millions) | 4.3932% | 3,151 |
| Cash dividends to net income (ytd only)* | 40.5961% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 5,353 |
| Loan loss allowance to noncurrent loans | 112.7081% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7733% | 3,071 |
| Noncurrent loans to loans | 0.7854% | 3,138 |
| Net loans and leases to total assets | 73.9502% | 1,671 |
| Net loans and leases to deposits | 92.9358% | 1,261 |
| Net loans and leases to core deposits | 98.8924% | 1,577 |
| Total domestic deposits to total assets | 79.5712% | 4,965 |
| Equity capital to assets | 10.7869% | 3,128 |
| Core capital (leverage) ratio | 10.8706% | 2,545 |
| Tier 1 risk-based capital ratio | 14.3655% | 3,723 |
| Total risk-based capital ratio | 15.2451% | 3,862 |
| Memoranda: | ||
| Average total assets | $304,110,000 | 2,156 |
| Average earning assets | $279,388,670 | 2,166 |
| Average equity | $32,775,670 | 2,184 |
| Average total loans | $226,117,330 | 1,909 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 1,915 |
| Cost of funding earning assets | 0.5896% | 1,511 |
| Net interest margin | 3.7686% | 2,359 |
| Noninterest income to average assets | 0.2685% | 5,028 |
| Noninterest expense to average assets | 2.8571% | 3,040 |
| Loan and lease loss provision to assets | -0.1323% | 6,227 |
| Net operating income to assets | 0.6349% | 4,118 |
| Return on assets (ROA) | 0.6349% | 4,240 |
| Pretax return on assets | 1.0013% | 3,500 |
| Return on Equity (ROE) | 5.8936% | 4,080 |
| Retained earnings to average equity (ytd only) | 3.4748% | 3,911 |
| Net charge-offs to loans | -0.0624% | 5,635 |
| Credit loss provision to net charge-offs | 285.7143% | 841 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6773% | 2,398 |
| Assets per employee ($millions) | 4.3666% | 3,253 |
| Cash dividends to net income (ytd only)* | 41.0417% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 5,375 |
| Loan loss allowance to noncurrent loans | 104.6619% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 0.8855% | 2,862 |
| Noncurrent loans to loans | 0.8791% | 3,048 |
| Net loans and leases to total assets | 73.0213% | 1,651 |
| Net loans and leases to deposits | 92.1377% | 1,166 |
| Net loans and leases to core deposits | 97.7835% | 1,493 |
| Total domestic deposits to total assets | 79.2524% | 5,221 |
| Equity capital to assets | 10.8727% | 3,116 |
| Core capital (leverage) ratio | 10.9726% | 2,440 |
| Tier 1 risk-based capital ratio | 14.6416% | 3,627 |
| Total risk-based capital ratio | 15.5547% | 3,747 |
| Memoranda: | ||
| Average total assets | $302,404,000 | 2,185 |
| Average earning assets | $277,454,000 | 2,192 |
| Average equity | $32,577,500 | 2,204 |
| Average total loans | $224,454,000 | 1,916 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 1,403 |
| Cost of funding earning assets | 0.6122% | 1,659 |
| Net interest margin | 4.0441% | 1,757 |
| Noninterest income to average assets | 0.4097% | 4,116 |
| Noninterest expense to average assets | 2.8590% | 3,266 |
| Loan and lease loss provision to assets | -0.2238% | 6,309 |
| Net operating income to assets | 0.9197% | 2,780 |
| Return on assets (ROA) | 0.9197% | 2,873 |
| Pretax return on assets | 1.4649% | 1,672 |
| Return on Equity (ROE) | 9.0067% | 2,581 |
| Retained earnings to average equity (ytd only) | 5.5768% | 2,211 |
| Net charge-offs to loans | -0.1662% | 6,227 |
| Credit loss provision to net charge-offs | 181.2169% | 1,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7291% | 3,576 |
| Assets per employee ($millions) | 4.1606% | 3,613 |
| Cash dividends to net income (ytd only)* | 38.0817% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9292% | 5,367 |
| Loan loss allowance to noncurrent loans | 77.0468% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0180% | 2,711 |
| Noncurrent loans to loans | 1.2061% | 2,437 |
| Net loans and leases to total assets | 73.9963% | 1,583 |
| Net loans and leases to deposits | 93.1736% | 1,165 |
| Net loans and leases to core deposits | 99.1753% | 1,451 |
| Total domestic deposits to total assets | 79.4176% | 5,156 |
| Equity capital to assets | 10.6662% | 3,279 |
| Core capital (leverage) ratio | 10.7217% | 2,699 |
| Tier 1 risk-based capital ratio | 14.1766% | 3,980 |
| Total risk-based capital ratio | 15.0990% | 4,142 |
| Memoranda: | ||
| Average total assets | $306,085,600 | 2,123 |
| Average earning assets | $279,318,600 | 2,137 |
| Average equity | $31,254,400 | 2,204 |
| Average total loans | $227,446,600 | 1,844 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 1,462 |
| Cost of funding earning assets | 0.6130% | 1,737 |
| Net interest margin | 4.0259% | 1,804 |
| Noninterest income to average assets | 0.4113% | 4,161 |
| Noninterest expense to average assets | 2.7912% | 3,494 |
| Loan and lease loss provision to assets | -0.0217% | 6,112 |
| Net operating income to assets | 0.8300% | 3,289 |
| Return on assets (ROA) | 0.8300% | 3,375 |
| Pretax return on assets | 1.3112% | 2,334 |
| Return on Equity (ROE) | 8.2188% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.9283% | 2,455 |
| Net charge-offs to loans | -0.1154% | 6,183 |
| Credit loss provision to net charge-offs | 25.3807% | 3,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3997% | 3,787 |
| Assets per employee ($millions) | 4.3134% | 3,274 |
| Cash dividends to net income (ytd only)* | 27.8682% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 4,663 |
| Loan loss allowance to noncurrent loans | 70.6174% | 4,468 |
| Noncurrent assets plus other real estate owned to assets | 1.2678% | 2,427 |
| Noncurrent loans to loans | 1.5836% | 2,055 |
| Net loans and leases to total assets | 75.0256% | 1,360 |
| Net loans and leases to deposits | 95.1047% | 949 |
| Net loans and leases to core deposits | 101.1697% | 1,278 |
| Total domestic deposits to total assets | 78.8873% | 5,353 |
| Equity capital to assets | 10.5356% | 3,512 |
| Core capital (leverage) ratio | 10.4510% | 3,101 |
| Tier 1 risk-based capital ratio | 13.7572% | 4,384 |
| Total risk-based capital ratio | 14.8652% | 4,409 |
| Memoranda: | ||
| Average total assets | $306,675,500 | 2,130 |
| Average earning assets | $279,515,250 | 2,143 |
| Average equity | $30,969,000 | 2,230 |
| Average total loans | $227,594,750 | 1,851 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,411 |
| Cost of funding earning assets | 0.6103% | 1,809 |
| Net interest margin | 4.0342% | 1,707 |
| Noninterest income to average assets | 0.4081% | 4,185 |
| Noninterest expense to average assets | 2.8016% | 3,498 |
| Loan and lease loss provision to assets | 0.1946% | 1,257 |
| Net operating income to assets | 0.6962% | 3,861 |
| Return on assets (ROA) | 0.6962% | 3,952 |
| Pretax return on assets | 1.0874% | 3,146 |
| Return on Equity (ROE) | 6.9929% | 3,627 |
| Retained earnings to average equity (ytd only) | 4.6858% | 3,162 |
| Net charge-offs to loans | 0.0810% | 2,879 |
| Credit loss provision to net charge-offs | 326.0870% | 801 |
| Earnings coverage of net charge-offs (x) | 21.4783% | 1,541 |
| Efficiency ratio | 68.6050% | 3,898 |
| Assets per employee ($millions) | 4.4475% | 3,011 |
| Cash dividends to net income (ytd only)* | 32.9916% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 4,740 |
| Loan loss allowance to noncurrent loans | 80.3615% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 2,696 |
| Noncurrent loans to loans | 1.4119% | 2,442 |
| Net loans and leases to total assets | 74.4798% | 1,380 |
| Net loans and leases to deposits | 95.7284% | 819 |
| Net loans and leases to core deposits | 102.0544% | 1,132 |
| Total domestic deposits to total assets | 77.8033% | 5,675 |
| Equity capital to assets | 10.1395% | 3,917 |
| Core capital (leverage) ratio | 10.2100% | 3,324 |
| Tier 1 risk-based capital ratio | 13.3129% | 4,711 |
| Total risk-based capital ratio | 14.4352% | 4,726 |
| Memoranda: | ||
| Average total assets | $308,255,000 | 2,115 |
| Average earning assets | $280,845,670 | 2,136 |
| Average equity | $30,688,330 | 2,233 |
| Average total loans | $227,095,670 | 1,850 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 1,479 |
| Cost of funding earning assets | 0.6025% | 1,949 |
| Net interest margin | 4.0075% | 1,733 |
| Noninterest income to average assets | 0.4195% | 4,038 |
| Noninterest expense to average assets | 2.7863% | 3,621 |
| Loan and lease loss provision to assets | 0.1942% | 1,210 |
| Net operating income to assets | 0.7069% | 3,653 |
| Return on assets (ROA) | 0.7069% | 3,728 |
| Pretax return on assets | 1.0992% | 2,902 |
| Return on Equity (ROE) | 7.1666% | 3,376 |
| Retained earnings to average equity (ytd only) | 4.8434% | 3,207 |
| Net charge-offs to loans | 0.1066% | 2,116 |
| Credit loss provision to net charge-offs | 250.0000% | 901 |
| Earnings coverage of net charge-offs (x) | 16.6500% | 1,499 |
| Efficiency ratio | 68.2958% | 4,132 |
| Assets per employee ($millions) | 4.3180% | 3,308 |
| Cash dividends to net income (ytd only)* | 32.4176% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 5,109 |
| Loan loss allowance to noncurrent loans | 87.1608% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.1237% | 3,008 |
| Noncurrent loans to loans | 1.2645% | 2,919 |
| Net loans and leases to total assets | 73.3181% | 1,383 |
| Net loans and leases to deposits | 92.7883% | 894 |
| Net loans and leases to core deposits | 98.3251% | 1,215 |
| Total domestic deposits to total assets | 79.0166% | 5,682 |
| Equity capital to assets | 10.0090% | 3,831 |
| Core capital (leverage) ratio | 10.1286% | 3,390 |
| Tier 1 risk-based capital ratio | 13.3279% | 4,809 |
| Total risk-based capital ratio | 14.4160% | 4,844 |
| Memoranda: | ||
| Average total assets | $308,943,000 | 2,119 |
| Average earning assets | $282,173,000 | 2,130 |
| Average equity | $30,474,500 | 2,243 |
| Average total loans | $225,050,500 | 1,865 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 1,192 |
| Cost of funding earning assets | 0.6844% | 1,925 |
| Net interest margin | 4.1677% | 1,448 |
| Noninterest income to average assets | 0.3921% | 4,505 |
| Noninterest expense to average assets | 2.8495% | 3,531 |
| Loan and lease loss provision to assets | 0.3699% | 842 |
| Net operating income to assets | 0.6185% | 4,173 |
| Return on assets (ROA) | 0.6185% | 4,285 |
| Pretax return on assets | 0.9531% | 3,547 |
| Return on Equity (ROE) | 6.2124% | 3,964 |
| Retained earnings to average equity (ytd only) | 3.8849% | 3,439 |
| Net charge-offs to loans | 0.4924% | 1,348 |
| Credit loss provision to net charge-offs | 102.6119% | 2,358 |
| Earnings coverage of net charge-offs (x) | 3.6698% | 3,790 |
| Efficiency ratio | 68.2921% | 4,145 |
| Assets per employee ($millions) | 4.4473% | 2,996 |
| Cash dividends to net income (ytd only)* | 37.4660% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,228 |
| Loan loss allowance to noncurrent loans | 61.2478% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 2,817 |
| Noncurrent loans to loans | 1.7696% | 2,275 |
| Net loans and leases to total assets | 70.7993% | 1,880 |
| Net loans and leases to deposits | 87.6202% | 1,507 |
| Net loans and leases to core deposits | 94.5279% | 1,560 |
| Total domestic deposits to total assets | 80.8025% | 5,239 |
| Equity capital to assets | 9.7215% | 4,146 |
| Core capital (leverage) ratio | 10.0219% | 3,529 |
| Tier 1 risk-based capital ratio | 13.4917% | 4,658 |
| Total risk-based capital ratio | 14.5683% | 4,714 |
| Memoranda: | ||
| Average total assets | $297,352,400 | 2,160 |
| Average earning assets | $269,715,000 | 2,181 |
| Average equity | $29,602,000 | 2,278 |
| Average total loans | $217,720,600 | 1,878 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 1,038 |
| Cost of funding earning assets | 0.7022% | 1,930 |
| Net interest margin | 4.2425% | 1,217 |
| Noninterest income to average assets | 0.3784% | 4,687 |
| Noninterest expense to average assets | 2.8811% | 3,371 |
| Loan and lease loss provision to assets | 0.3494% | 918 |
| Net operating income to assets | 0.6388% | 4,182 |
| Return on assets (ROA) | 0.6388% | 4,296 |
| Pretax return on assets | 0.9855% | 3,559 |
| Return on Equity (ROE) | 6.3774% | 3,990 |
| Retained earnings to average equity (ytd only) | 4.0538% | 3,806 |
| Net charge-offs to loans | 0.0745% | 3,875 |
| Credit loss provision to net charge-offs | 636.3636% | 449 |
| Earnings coverage of net charge-offs (x) | 24.3140% | 1,428 |
| Efficiency ratio | 68.3384% | 4,028 |
| Assets per employee ($millions) | 4.0289% | 3,770 |
| Cash dividends to net income (ytd only)* | 36.4344% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3707% | 4,026 |
| Loan loss allowance to noncurrent loans | 127.6703% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 0.8854% | 3,911 |
| Noncurrent loans to loans | 1.0736% | 3,650 |
| Net loans and leases to total assets | 74.2787% | 1,252 |
| Net loans and leases to deposits | 93.0591% | 894 |
| Net loans and leases to core deposits | 101.4135% | 1,031 |
| Total domestic deposits to total assets | 79.8188% | 5,555 |
| Equity capital to assets | 10.1843% | 3,663 |
| Core capital (leverage) ratio | 10.1559% | 3,460 |
| Tier 1 risk-based capital ratio | 13.4950% | 4,763 |
| Total risk-based capital ratio | 14.7466% | 4,713 |
| Memoranda: | ||
| Average total assets | $293,862,750 | 2,197 |
| Average earning assets | $265,811,250 | 2,217 |
| Average equity | $29,436,500 | 2,310 |
| Average total loans | $216,445,500 | 1,890 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 992 |
| Cost of funding earning assets | 0.7083% | 2,014 |
| Net interest margin | 4.2453% | 1,154 |
| Noninterest income to average assets | 0.3424% | 4,948 |
| Noninterest expense to average assets | 2.9274% | 3,249 |
| Loan and lease loss provision to assets | 0.2995% | 1,208 |
| Net operating income to assets | 0.6195% | 4,200 |
| Return on assets (ROA) | 0.6195% | 4,361 |
| Pretax return on assets | 0.9511% | 3,717 |
| Return on Equity (ROE) | 6.2192% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.8819% | 3,829 |
| Net charge-offs to loans | 0.0931% | 3,432 |
| Credit loss provision to net charge-offs | 440.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 18.3700% | 1,556 |
| Efficiency ratio | 70.0668% | 3,812 |
| Assets per employee ($millions) | 4.1795% | 3,407 |
| Cash dividends to net income (ytd only)* | 37.5824% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 4,657 |
| Loan loss allowance to noncurrent loans | 115.0148% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.9533% | 3,879 |
| Noncurrent loans to loans | 1.1025% | 3,726 |
| Net loans and leases to total assets | 72.5756% | 1,467 |
| Net loans and leases to deposits | 90.8959% | 1,061 |
| Net loans and leases to core deposits | 102.3509% | 924 |
| Total domestic deposits to total assets | 79.8448% | 5,643 |
| Equity capital to assets | 10.1164% | 3,769 |
| Core capital (leverage) ratio | 10.1559% | 3,287 |
| Tier 1 risk-based capital ratio | 13.6814% | 4,655 |
| Total risk-based capital ratio | 14.9314% | 4,615 |
| Memoranda: | ||
| Average total assets | $293,780,330 | 2,201 |
| Average earning assets | $265,426,000 | 2,225 |
| Average equity | $29,264,330 | 2,320 |
| Average total loans | $214,761,670 | 1,906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 849 |
| Cost of funding earning assets | 0.7096% | 2,128 |
| Net interest margin | 4.3193% | 933 |
| Noninterest income to average assets | 0.4103% | 4,385 |
| Noninterest expense to average assets | 2.8670% | 3,473 |
| Loan and lease loss provision to assets | 0.2989% | 1,167 |
| Net operating income to assets | 0.7392% | 3,481 |
| Return on assets (ROA) | 0.7392% | 3,617 |
| Pretax return on assets | 1.1400% | 2,816 |
| Return on Equity (ROE) | 7.4782% | 3,223 |
| Retained earnings to average equity (ytd only) | 5.1275% | 3,152 |
| Net charge-offs to loans | 0.1491% | 2,507 |
| Credit loss provision to net charge-offs | 275.0000% | 861 |
| Earnings coverage of net charge-offs (x) | 13.2375% | 1,543 |
| Efficiency ratio | 66.5825% | 4,562 |
| Assets per employee ($millions) | 4.2989% | 3,340 |
| Cash dividends to net income (ytd only)* | 31.4338% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,286 |
| Loan loss allowance to noncurrent loans | 95.2507% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1532% | 3,638 |
| Noncurrent loans to loans | 1.2343% | 3,713 |
| Net loans and leases to total assets | 72.6659% | 1,251 |
| Net loans and leases to deposits | 90.9344% | 891 |
| Net loans and leases to core deposits | 98.9800% | 1,008 |
| Total domestic deposits to total assets | 79.9103% | 5,773 |
| Equity capital to assets | 10.0293% | 4,113 |
| Core capital (leverage) ratio | 9.9981% | 3,384 |
| Tier 1 risk-based capital ratio | 13.5647% | 4,821 |
| Total risk-based capital ratio | 14.7339% | 4,843 |
| Memoranda: | ||
| Average total assets | $294,388,500 | 2,226 |
| Average earning assets | $265,506,500 | 2,248 |
| Average equity | $29,098,000 | 2,369 |
| Average total loans | $214,614,000 | 1,911 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2424% | 1,034 |
| Cost of funding earning assets | 0.8126% | 2,566 |
| Net interest margin | 4.4298% | 1,092 |
| Noninterest income to average assets | 0.3608% | 4,903 |
| Noninterest expense to average assets | 2.8612% | 3,807 |
| Loan and lease loss provision to assets | 0.5271% | 1,103 |
| Net operating income to assets | 0.6249% | 4,113 |
| Return on assets (ROA) | 0.6249% | 4,377 |
| Pretax return on assets | 0.9578% | 3,713 |
| Return on Equity (ROE) | 6.4361% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.1970% | 3,276 |
| Net charge-offs to loans | 0.6414% | 1,831 |
| Credit loss provision to net charge-offs | 110.2675% | 2,649 |
| Earnings coverage of net charge-offs (x) | 3.1063% | 3,881 |
| Efficiency ratio | 65.8343% | 4,537 |
| Assets per employee ($millions) | 4.2964% | 3,367 |
| Cash dividends to net income (ytd only)* | 34.7898% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,492 |
| Loan loss allowance to noncurrent loans | 52.8565% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 1.8327% | 2,673 |
| Noncurrent loans to loans | 2.1075% | 2,572 |
| Net loans and leases to total assets | 71.4764% | 1,576 |
| Net loans and leases to deposits | 88.9060% | 1,175 |
| Net loans and leases to core deposits | 95.6433% | 1,337 |
| Total domestic deposits to total assets | 80.3955% | 5,570 |
| Equity capital to assets | 9.7412% | 4,540 |
| Core capital (leverage) ratio | 9.9117% | 3,527 |
| Tier 1 risk-based capital ratio | 13.3623% | 4,845 |
| Total risk-based capital ratio | 14.4668% | 4,893 |
| Memoranda: | ||
| Average total assets | $289,320,400 | 2,208 |
| Average earning assets | $260,281,600 | 2,235 |
| Average equity | $28,091,400 | 2,388 |
| Average total loans | $215,629,400 | 1,881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 1,038 |
| Cost of funding earning assets | 0.8380% | 2,643 |
| Net interest margin | 4.4481% | 1,092 |
| Noninterest income to average assets | 0.2889% | 5,473 |
| Noninterest expense to average assets | 2.9180% | 3,523 |
| Loan and lease loss provision to assets | 0.5333% | 1,109 |
| Net operating income to assets | 0.5574% | 4,585 |
| Return on assets (ROA) | 0.5574% | 4,844 |
| Pretax return on assets | 0.8444% | 4,324 |
| Return on Equity (ROE) | 5.7453% | 4,463 |
| Retained earnings to average equity (ytd only) | 3.5513% | 4,380 |
| Net charge-offs to loans | 0.4735% | 2,202 |
| Credit loss provision to net charge-offs | 149.9348% | 1,887 |
| Earnings coverage of net charge-offs (x) | 3.8735% | 3,480 |
| Efficiency ratio | 67.9296% | 4,079 |
| Assets per employee ($millions) | 3.9883% | 3,894 |
| Cash dividends to net income (ytd only)* | 38.1860% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2188% | 5,202 |
| Loan loss allowance to noncurrent loans | 145.5956% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 3,154 |
| Noncurrent loans to loans | 0.8371% | 4,741 |
| Net loans and leases to total assets | 74.1753% | 1,226 |
| Net loans and leases to deposits | 92.8797% | 885 |
| Net loans and leases to core deposits | 100.7054% | 1,071 |
| Total domestic deposits to total assets | 79.8617% | 5,696 |
| Equity capital to assets | 9.8889% | 4,657 |
| Core capital (leverage) ratio | 9.7741% | 3,836 |
| Tier 1 risk-based capital ratio | 12.9439% | 5,296 |
| Total risk-based capital ratio | 14.1418% | 5,300 |
| Memoranda: | ||
| Average total assets | $287,537,250 | 2,251 |
| Average earning assets | $259,011,250 | 2,266 |
| Average equity | $27,894,750 | 2,422 |
| Average total loans | $215,966,500 | 1,885 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2887% | 1,075 |
| Cost of funding earning assets | 0.8672% | 2,677 |
| Net interest margin | 4.4215% | 1,147 |
| Noninterest income to average assets | 0.2565% | 5,744 |
| Noninterest expense to average assets | 2.9715% | 3,368 |
| Loan and lease loss provision to assets | 0.5562% | 1,104 |
| Net operating income to assets | 0.4839% | 4,893 |
| Return on assets (ROA) | 0.4839% | 5,142 |
| Pretax return on assets | 0.7203% | 4,770 |
| Return on Equity (ROE) | 5.0203% | 4,801 |
| Retained earnings to average equity (ytd only) | 2.4957% | 4,944 |
| Net charge-offs to loans | 0.5961% | 1,822 |
| Credit loss provision to net charge-offs | 124.2236% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2.8509% | 3,604 |
| Efficiency ratio | 69.9509% | 3,773 |
| Assets per employee ($millions) | 4.0806% | 3,698 |
| Cash dividends to net income (ytd only)* | 50.2874% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 5,698 |
| Loan loss allowance to noncurrent loans | 115.0455% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.5384% | 3,394 |
| Noncurrent loans to loans | 0.9740% | 4,570 |
| Net loans and leases to total assets | 73.1284% | 1,374 |
| Net loans and leases to deposits | 91.1210% | 1,034 |
| Net loans and leases to core deposits | 98.5937% | 1,209 |
| Total domestic deposits to total assets | 80.2542% | 5,676 |
| Equity capital to assets | 9.6541% | 4,823 |
| Core capital (leverage) ratio | 9.5993% | 4,002 |
| Tier 1 risk-based capital ratio | 12.8409% | 5,308 |
| Total risk-based capital ratio | 13.9432% | 5,394 |
| Memoranda: | ||
| Average total assets | $287,663,330 | 2,253 |
| Average earning assets | $259,686,330 | 2,259 |
| Average equity | $27,727,330 | 2,421 |
| Average total loans | $216,079,000 | 1,891 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 974 |
| Cost of funding earning assets | 0.8981% | 2,709 |
| Net interest margin | 4.4672% | 1,073 |
| Noninterest income to average assets | 0.3545% | 5,035 |
| Noninterest expense to average assets | 2.9655% | 3,406 |
| Loan and lease loss provision to assets | 0.5931% | 970 |
| Net operating income to assets | 0.5526% | 4,578 |
| Return on assets (ROA) | 0.5526% | 4,794 |
| Pretax return on assets | 0.8359% | 4,278 |
| Return on Equity (ROE) | 5.7379% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.2022% | 4,645 |
| Net charge-offs to loans | 0.6636% | 1,475 |
| Credit loss provision to net charge-offs | 118.0556% | 2,006 |
| Earnings coverage of net charge-offs (x) | 2.8444% | 3,046 |
| Efficiency ratio | 67.4817% | 4,276 |
| Assets per employee ($millions) | 4.2094% | 3,558 |
| Cash dividends to net income (ytd only)* | 44.1919% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 6,000 |
| Loan loss allowance to noncurrent loans | 51.5280% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 3,101 |
| Noncurrent loans to loans | 2.0813% | 3,051 |
| Net loans and leases to total assets | 73.3643% | 1,161 |
| Net loans and leases to deposits | 91.2844% | 852 |
| Net loans and leases to core deposits | 99.9039% | 994 |
| Total domestic deposits to total assets | 80.3689% | 5,761 |
| Equity capital to assets | 9.5592% | 4,711 |
| Core capital (leverage) ratio | 9.6523% | 3,843 |
| Tier 1 risk-based capital ratio | 12.7032% | 5,440 |
| Total risk-based capital ratio | 13.7601% | 5,559 |
| Memoranda: | ||
| Average total assets | $286,634,000 | 2,269 |
| Average earning assets | $259,220,500 | 2,286 |
| Average equity | $27,606,000 | 2,421 |
| Average total loans | $216,983,500 | 1,883 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5435% | 1,070 |
| Cost of funding earning assets | 1.0471% | 3,042 |
| Net interest margin | 4.4964% | 1,142 |
| Noninterest income to average assets | 0.3164% | 5,277 |
| Noninterest expense to average assets | 2.9186% | 3,882 |
| Loan and lease loss provision to assets | 0.4382% | 2,402 |
| Net operating income to assets | 0.6773% | 3,592 |
| Return on assets (ROA) | 0.6773% | 3,790 |
| Pretax return on assets | 1.0382% | 3,092 |
| Return on Equity (ROE) | 7.1295% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.3879% | 3,051 |
| Net charge-offs to loans | 0.6729% | 2,474 |
| Credit loss provision to net charge-offs | 84.1889% | 4,273 |
| Earnings coverage of net charge-offs (x) | 2.8364% | 3,794 |
| Efficiency ratio | 66.4073% | 4,681 |
| Assets per employee ($millions) | 3.9833% | 3,897 |
| Cash dividends to net income (ytd only)* | 38.4534% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 6,087 |
| Loan loss allowance to noncurrent loans | 42.6725% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 2.1346% | 2,810 |
| Noncurrent loans to loans | 2.4070% | 2,719 |
| Net loans and leases to total assets | 76.4893% | 888 |
| Net loans and leases to deposits | 95.6530% | 693 |
| Net loans and leases to core deposits | 106.4435% | 778 |
| Total domestic deposits to total assets | 79.9654% | 5,750 |
| Equity capital to assets | 9.7049% | 4,585 |
| Core capital (leverage) ratio | 9.4883% | 4,043 |
| Tier 1 risk-based capital ratio | 12.3956% | 5,539 |
| Total risk-based capital ratio | 13.4094% | 5,696 |
| Memoranda: | ||
| Average total assets | $280,683,600 | 2,263 |
| Average earning assets | $254,606,000 | 2,272 |
| Average equity | $26,664,000 | 2,422 |
| Average total loans | $217,122,600 | 1,893 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5859% | 1,065 |
| Cost of funding earning assets | 1.0749% | 3,146 |
| Net interest margin | 4.5110% | 1,122 |
| Noninterest income to average assets | 0.3455% | 5,100 |
| Noninterest expense to average assets | 2.9588% | 3,711 |
| Loan and lease loss provision to assets | 0.4212% | 2,361 |
| Net operating income to assets | 0.6939% | 3,651 |
| Return on assets (ROA) | 0.6939% | 3,823 |
| Pretax return on assets | 1.0599% | 3,167 |
| Return on Equity (ROE) | 7.3445% | 3,361 |
| Retained earnings to average equity (ytd only) | 4.6495% | 3,413 |
| Net charge-offs to loans | 0.7394% | 2,085 |
| Credit loss provision to net charge-offs | 73.6273% | 4,366 |
| Earnings coverage of net charge-offs (x) | 2.5890% | 3,822 |
| Efficiency ratio | 66.6417% | 4,595 |
| Assets per employee ($millions) | 3.9494% | 3,957 |
| Cash dividends to net income (ytd only)* | 36.6944% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 6,398 |
| Loan loss allowance to noncurrent loans | 68.0113% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.7088% | 3,530 |
| Noncurrent loans to loans | 1.4215% | 4,163 |
| Net loans and leases to total assets | 77.7399% | 736 |
| Net loans and leases to deposits | 97.0289% | 636 |
| Net loans and leases to core deposits | 108.5203% | 746 |
| Total domestic deposits to total assets | 80.1203% | 5,703 |
| Equity capital to assets | 9.5387% | 5,023 |
| Core capital (leverage) ratio | 9.6273% | 3,955 |
| Tier 1 risk-based capital ratio | 11.9823% | 5,906 |
| Total risk-based capital ratio | 12.9356% | 6,113 |
| Memoranda: | ||
| Average total assets | $280,150,500 | 2,278 |
| Average earning assets | $254,276,750 | 2,284 |
| Average equity | $26,468,250 | 2,443 |
| Average total loans | $216,761,000 | 1,904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 1,264 |
| Cost of funding earning assets | 1.1066% | 3,193 |
| Net interest margin | 4.4113% | 1,338 |
| Noninterest income to average assets | 0.2511% | 5,853 |
| Noninterest expense to average assets | 2.9855% | 3,698 |
| Loan and lease loss provision to assets | 0.4700% | 2,107 |
| Net operating income to assets | 0.5675% | 4,224 |
| Return on assets (ROA) | 0.5675% | 4,347 |
| Pretax return on assets | 0.8000% | 4,029 |
| Return on Equity (ROE) | 6.0267% | 3,958 |
| Retained earnings to average equity (ytd only) | 3.2305% | 4,207 |
| Net charge-offs to loans | 0.6244% | 2,273 |
| Credit loss provision to net charge-offs | 97.7612% | 3,228 |
| Earnings coverage of net charge-offs (x) | 2.6418% | 3,511 |
| Efficiency ratio | 70.1568% | 4,086 |
| Assets per employee ($millions) | 4.0867% | 3,580 |
| Cash dividends to net income (ytd only)* | 46.3970% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,803 |
| Loan loss allowance to noncurrent loans | 107.0030% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 4,094 |
| Noncurrent loans to loans | 1.0631% | 4,886 |
| Net loans and leases to total assets | 75.8188% | 1,098 |
| Net loans and leases to deposits | 94.4699% | 838 |
| Net loans and leases to core deposits | 103.3435% | 1,087 |
| Total domestic deposits to total assets | 80.2570% | 5,752 |
| Equity capital to assets | 9.4195% | 4,942 |
| Core capital (leverage) ratio | 9.4894% | 3,975 |
| Tier 1 risk-based capital ratio | 11.9356% | 5,838 |
| Total risk-based capital ratio | 13.0410% | 5,932 |
| Memoranda: | ||
| Average total assets | $278,748,670 | 2,305 |
| Average earning assets | $253,034,330 | 2,304 |
| Average equity | $26,249,670 | 2,443 |
| Average total loans | $214,609,330 | 1,952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4704% | 1,380 |
| Cost of funding earning assets | 1.1483% | 3,169 |
| Net interest margin | 4.3221% | 1,501 |
| Noninterest income to average assets | 0.1660% | 6,541 |
| Noninterest expense to average assets | 2.9055% | 4,034 |
| Loan and lease loss provision to assets | 0.5124% | 1,699 |
| Net operating income to assets | 0.4821% | 4,564 |
| Return on assets (ROA) | 0.4821% | 4,646 |
| Pretax return on assets | 0.6596% | 4,456 |
| Return on Equity (ROE) | 5.1200% | 4,329 |
| Retained earnings to average equity (ytd only) | 2.0694% | 4,901 |
| Net charge-offs to loans | 1.1881% | 1,169 |
| Credit loss provision to net charge-offs | 55.9055% | 3,627 |
| Earnings coverage of net charge-offs (x) | 1.2787% | 3,709 |
| Efficiency ratio | 71.2566% | 3,999 |
| Assets per employee ($millions) | 4.0228% | 3,794 |
| Cash dividends to net income (ytd only)* | 59.5808% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,281 |
| Loan loss allowance to noncurrent loans | 121.2590% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.5164% | 3,978 |
| Noncurrent loans to loans | 0.8506% | 5,345 |
| Net loans and leases to total assets | 75.9112% | 1,039 |
| Net loans and leases to deposits | 94.8593% | 758 |
| Net loans and leases to core deposits | 103.4535% | 1,098 |
| Total domestic deposits to total assets | 80.0251% | 5,940 |
| Equity capital to assets | 9.4386% | 4,518 |
| Core capital (leverage) ratio | 9.5437% | 3,743 |
| Tier 1 risk-based capital ratio | 12.0183% | 5,674 |
| Total risk-based capital ratio | 13.0256% | 5,885 |
| Memoranda: | ||
| Average total assets | $277,133,500 | 2,329 |
| Average earning assets | $250,806,000 | 2,336 |
| Average equity | $26,094,000 | 2,443 |
| Average total loans | $213,787,500 | 1,980 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8296% | 1,201 |
| Cost of funding earning assets | 1.3764% | 3,413 |
| Net interest margin | 4.4532% | 1,344 |
| Noninterest income to average assets | 0.4767% | 4,338 |
| Noninterest expense to average assets | 2.9277% | 4,120 |
| Loan and lease loss provision to assets | 0.4598% | 3,372 |
| Net operating income to assets | 0.7383% | 3,058 |
| Return on assets (ROA) | 0.7383% | 3,186 |
| Pretax return on assets | 1.1223% | 2,498 |
| Return on Equity (ROE) | 7.7923% | 2,783 |
| Retained earnings to average equity (ytd only) | 4.8964% | 2,479 |
| Net charge-offs to loans | 0.6213% | 3,174 |
| Credit loss provision to net charge-offs | 91.1458% | 5,078 |
| Earnings coverage of net charge-offs (x) | 3.1362% | 3,504 |
| Efficiency ratio | 64.9189% | 5,180 |
| Assets per employee ($millions) | 4.1298% | 3,513 |
| Cash dividends to net income (ytd only)* | 37.1632% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 5,720 |
| Loan loss allowance to noncurrent loans | 251.1156% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 1.3101% | 4,405 |
| Noncurrent loans to loans | 0.4593% | 6,129 |
| Net loans and leases to total assets | 76.6890% | 1,143 |
| Net loans and leases to deposits | 95.9902% | 871 |
| Net loans and leases to core deposits | 105.1288% | 1,246 |
| Total domestic deposits to total assets | 79.8926% | 5,862 |
| Equity capital to assets | 9.3927% | 4,556 |
| Core capital (leverage) ratio | 9.3428% | 3,937 |
| Tier 1 risk-based capital ratio | 11.8232% | 5,634 |
| Total risk-based capital ratio | 12.9496% | 5,730 |
| Memoranda: | ||
| Average total assets | $266,420,200 | 2,388 |
| Average earning assets | $241,286,000 | 2,417 |
| Average equity | $25,243,000 | 2,527 |
| Average total loans | $216,321,400 | 1,997 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8415% | 1,280 |
| Cost of funding earning assets | 1.4181% | 3,463 |
| Net interest margin | 4.4233% | 1,451 |
| Noninterest income to average assets | 0.5417% | 3,852 |
| Noninterest expense to average assets | 2.9369% | 3,953 |
| Loan and lease loss provision to assets | 0.4295% | 3,332 |
| Net operating income to assets | 0.7752% | 3,110 |
| Return on assets (ROA) | 0.7752% | 3,264 |
| Pretax return on assets | 1.1835% | 2,552 |
| Return on Equity (ROE) | 8.1627% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.3265% | 2,753 |
| Net charge-offs to loans | 0.1526% | 5,085 |
| Credit loss provision to net charge-offs | 342.7419% | 930 |
| Earnings coverage of net charge-offs (x) | 12.8709% | 1,645 |
| Efficiency ratio | 64.5491% | 5,137 |
| Assets per employee ($millions) | 4.1358% | 3,583 |
| Cash dividends to net income (ytd only)* | 34.7459% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 4,072 |
| Loan loss allowance to noncurrent loans | 75.0587% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.5366% | 4,143 |
| Noncurrent loans to loans | 1.9656% | 3,727 |
| Net loans and leases to total assets | 77.0218% | 1,216 |
| Net loans and leases to deposits | 96.2267% | 959 |
| Net loans and leases to core deposits | 105.7391% | 1,348 |
| Total domestic deposits to total assets | 80.0421% | 5,695 |
| Equity capital to assets | 9.2603% | 5,209 |
| Core capital (leverage) ratio | 9.2603% | 4,260 |
| Tier 1 risk-based capital ratio | 11.7375% | 5,700 |
| Total risk-based capital ratio | 12.9899% | 5,666 |
| Memoranda: | ||
| Average total assets | $263,851,750 | 2,456 |
| Average earning assets | $239,089,000 | 2,477 |
| Average equity | $25,056,500 | 2,582 |
| Average total loans | $216,734,250 | 2,024 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8909% | 1,208 |
| Cost of funding earning assets | 1.4527% | 3,541 |
| Net interest margin | 4.4382% | 1,355 |
| Noninterest income to average assets | 0.5504% | 3,711 |
| Noninterest expense to average assets | 3.0127% | 3,666 |
| Loan and lease loss provision to assets | 0.3669% | 3,507 |
| Net operating income to assets | 0.7771% | 3,080 |
| Return on assets (ROA) | 0.7771% | 3,225 |
| Pretax return on assets | 1.1864% | 2,463 |
| Return on Equity (ROE) | 8.1109% | 2,845 |
| Retained earnings to average equity (ytd only) | 5.2785% | 2,733 |
| Net charge-offs to loans | 0.0166% | 6,107 |
| Credit loss provision to net charge-offs | 2,644.4444% | 161 |
| Earnings coverage of net charge-offs (x) | 111.9444% | 298 |
| Efficiency ratio | 65.9801% | 4,983 |
| Assets per employee ($millions) | 4.0873% | 3,596 |
| Cash dividends to net income (ytd only)* | 34.9206% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,491 |
| Loan loss allowance to noncurrent loans | 75.4265% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.4995% | 4,208 |
| Noncurrent loans to loans | 1.8378% | 3,953 |
| Net loans and leases to total assets | 80.4573% | 732 |
| Net loans and leases to deposits | 101.1888% | 641 |
| Net loans and leases to core deposits | 109.7729% | 1,177 |
| Total domestic deposits to total assets | 79.5120% | 5,887 |
| Equity capital to assets | 9.3501% | 4,930 |
| Core capital (leverage) ratio | 9.6859% | 3,563 |
| Tier 1 risk-based capital ratio | 11.4524% | 5,821 |
| Total risk-based capital ratio | 12.7042% | 5,792 |
| Memoranda: | ||
| Average total assets | $259,436,330 | 2,508 |
| Average earning assets | $234,736,000 | 2,543 |
| Average equity | $24,855,330 | 2,604 |
| Average total loans | $216,771,670 | 2,060 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9191% | 1,158 |
| Cost of funding earning assets | 1.4872% | 3,640 |
| Net interest margin | 4.4319% | 1,292 |
| Noninterest income to average assets | 0.5427% | 3,701 |
| Noninterest expense to average assets | 3.0172% | 3,611 |
| Loan and lease loss provision to assets | 0.3540% | 3,253 |
| Net operating income to assets | 0.7693% | 3,110 |
| Return on assets (ROA) | 0.7693% | 3,226 |
| Pretax return on assets | 1.1704% | 2,473 |
| Return on Equity (ROE) | 7.9282% | 2,918 |
| Retained earnings to average equity (ytd only) | 5.1557% | 3,067 |
| Net charge-offs to loans | 0.0242% | 5,240 |
| Credit loss provision to net charge-offs | 1,730.7692% | 290 |
| Earnings coverage of net charge-offs (x) | 74.5385% | 416 |
| Efficiency ratio | 66.4357% | 5,023 |
| Assets per employee ($millions) | 3.7178% | 4,532 |
| Cash dividends to net income (ytd only)* | 34.9693% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 4,938 |
| Loan loss allowance to noncurrent loans | 66.6350% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.7729% | 3,825 |
| Noncurrent loans to loans | 1.9515% | 3,856 |
| Net loans and leases to total assets | 84.2438% | 350 |
| Net loans and leases to deposits | 107.9847% | 343 |
| Net loans and leases to core deposits | 119.2842% | 812 |
| Total domestic deposits to total assets | 78.0146% | 6,312 |
| Equity capital to assets | 9.8256% | 4,079 |
| Core capital (leverage) ratio | 9.7539% | 3,450 |
| Tier 1 risk-based capital ratio | 11.6179% | 5,557 |
| Total risk-based capital ratio | 12.8686% | 5,524 |
| Memoranda: | ||
| Average total assets | $254,273,000 | 2,610 |
| Average earning assets | $229,428,500 | 2,647 |
| Average equity | $24,671,500 | 2,644 |
| Average total loans | $215,110,000 | 2,125 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0478% | 1,679 |
| Cost of funding earning assets | 1.7716% | 4,143 |
| Net interest margin | 4.2762% | 1,796 |
| Noninterest income to average assets | 0.5617% | 3,930 |
| Noninterest expense to average assets | 3.1089% | 3,696 |
| Loan and lease loss provision to assets | 0.3436% | 4,735 |
| Net operating income to assets | 0.6561% | 3,114 |
| Return on assets (ROA) | 0.6561% | 3,164 |
| Pretax return on assets | 0.9830% | 2,649 |
| Return on Equity (ROE) | 6.8462% | 2,848 |
| Retained earnings to average equity (ytd only) | 3.8640% | 2,503 |
| Net charge-offs to loans | 0.0577% | 6,515 |
| Credit loss provision to net charge-offs | 712.3967% | 406 |
| Earnings coverage of net charge-offs (x) | 27.5041% | 826 |
| Efficiency ratio | 70.0908% | 4,604 |
| Assets per employee ($millions) | 3.8748% | 4,084 |
| Cash dividends to net income (ytd only)* | 43.5601% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 5,299 |
| Loan loss allowance to noncurrent loans | 58.8475% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 1.9454% | 3,459 |
| Noncurrent loans to loans | 2.0556% | 3,582 |
| Net loans and leases to total assets | 82.8367% | 565 |
| Net loans and leases to deposits | 105.6610% | 571 |
| Net loans and leases to core deposits | 130.3262% | 1,264 |
| Total domestic deposits to total assets | 78.3985% | 6,143 |
| Equity capital to assets | 9.5813% | 4,293 |
| Core capital (leverage) ratio | 9.5139% | 3,699 |
| Tier 1 risk-based capital ratio | 11.3344% | 5,581 |
| Total risk-based capital ratio | 12.5343% | 5,585 |
| Memoranda: | ||
| Average total assets | $250,860,800 | 2,598 |
| Average earning assets | $227,257,200 | 2,625 |
| Average equity | $24,042,600 | 2,723 |
| Average total loans | $209,875,400 | 2,200 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0630% | 1,790 |
| Cost of funding earning assets | 1.8205% | 4,286 |
| Net interest margin | 4.2425% | 1,895 |
| Noninterest income to average assets | 0.5565% | 4,034 |
| Noninterest expense to average assets | 3.1516% | 3,452 |
| Loan and lease loss provision to assets | 0.2553% | 4,908 |
| Net operating income to assets | 0.6660% | 3,328 |
| Return on assets (ROA) | 0.6660% | 3,391 |
| Pretax return on assets | 0.9993% | 2,905 |
| Return on Equity (ROE) | 6.9486% | 3,095 |
| Retained earnings to average equity (ytd only) | 3.9006% | 3,113 |
| Net charge-offs to loans | 0.0613% | 6,090 |
| Credit loss provision to net charge-offs | 497.9167% | 797 |
| Earnings coverage of net charge-offs (x) | 24.4681% | 1,089 |
| Efficiency ratio | 71.5273% | 4,323 |
| Assets per employee ($millions) | 3.8313% | 4,120 |
| Cash dividends to net income (ytd only)* | 43.8654% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,970 |
| Loan loss allowance to noncurrent loans | 134.1742% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 5,346 |
| Noncurrent loans to loans | 0.7881% | 5,722 |
| Net loans and leases to total assets | 81.4289% | 909 |
| Net loans and leases to deposits | 103.5628% | 805 |
| Net loans and leases to core deposits | 127.8231% | 1,597 |
| Total domestic deposits to total assets | 78.6276% | 5,921 |
| Equity capital to assets | 9.4544% | 4,807 |
| Core capital (leverage) ratio | 9.5210% | 3,885 |
| Tier 1 risk-based capital ratio | 11.5133% | 5,412 |
| Total risk-based capital ratio | 12.5731% | 5,559 |
| Memoranda: | ||
| Average total assets | $249,641,750 | 2,628 |
| Average earning assets | $226,525,250 | 2,653 |
| Average equity | $23,927,500 | 2,769 |
| Average total loans | $208,734,750 | 2,232 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0550% | 1,963 |
| Cost of funding earning assets | 1.8763% | 4,389 |
| Net interest margin | 4.1787% | 2,066 |
| Noninterest income to average assets | 0.5257% | 4,225 |
| Noninterest expense to average assets | 3.2132% | 3,300 |
| Loan and lease loss provision to assets | 0.2790% | 4,341 |
| Net operating income to assets | 0.5621% | 3,839 |
| Return on assets (ROA) | 0.5621% | 3,950 |
| Pretax return on assets | 0.8249% | 3,586 |
| Return on Equity (ROE) | 5.8370% | 3,732 |
| Retained earnings to average equity (ytd only) | 2.6371% | 3,862 |
| Net charge-offs to loans | 0.0221% | 6,188 |
| Credit loss provision to net charge-offs | 1,500.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 59.3478% | 601 |
| Efficiency ratio | 74.4286% | 3,962 |
| Assets per employee ($millions) | 3.8105% | 4,072 |
| Cash dividends to net income (ytd only)* | 54.8201% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 6,014 |
| Loan loss allowance to noncurrent loans | 235.0270% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 6,545 |
| Noncurrent loans to loans | 0.4387% | 6,424 |
| Net loans and leases to total assets | 81.7286% | 1,001 |
| Net loans and leases to deposits | 104.0907% | 907 |
| Net loans and leases to core deposits | 126.2924% | 1,840 |
| Total domestic deposits to total assets | 78.5167% | 5,950 |
| Equity capital to assets | 9.3924% | 4,760 |
| Core capital (leverage) ratio | 9.6467% | 3,707 |
| Tier 1 risk-based capital ratio | 11.5123% | 5,367 |
| Total risk-based capital ratio | 12.5560% | 5,490 |
| Memoranda: | ||
| Average total assets | $247,290,670 | 2,661 |
| Average earning assets | $224,377,670 | 2,693 |
| Average equity | $23,813,670 | 2,776 |
| Average total loans | $207,893,670 | 2,262 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0646% | 2,095 |
| Cost of funding earning assets | 1.9714% | 4,280 |
| Net interest margin | 4.0932% | 2,302 |
| Noninterest income to average assets | 0.6116% | 3,468 |
| Noninterest expense to average assets | 3.1223% | 3,296 |
| Loan and lease loss provision to assets | 0.3486% | 3,232 |
| Net operating income to assets | 0.5804% | 4,104 |
| Return on assets (ROA) | 0.5804% | 4,299 |
| Pretax return on assets | 0.8550% | 3,873 |
| Return on Equity (ROE) | 5.9500% | 4,057 |
| Retained earnings to average equity (ytd only) | 2.3261% | 4,583 |
| Net charge-offs to loans | 0.0213% | 5,261 |
| Credit loss provision to net charge-offs | 1,927.2727% | 332 |
| Earnings coverage of net charge-offs (x) | 66.5455% | 601 |
| Efficiency ratio | 72.1779% | 4,163 |
| Assets per employee ($millions) | 3.6603% | 4,425 |
| Cash dividends to net income (ytd only)* | 60.9065% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 6,301 |
| Loan loss allowance to noncurrent loans | 85.7262% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.0745% | 4,543 |
| Noncurrent loans to loans | 1.1443% | 4,705 |
| Net loans and leases to total assets | 84.5436% | 615 |
| Net loans and leases to deposits | 108.7922% | 681 |
| Net loans and leases to core deposits | 133.2603% | 1,465 |
| Total domestic deposits to total assets | 77.7110% | 6,103 |
| Equity capital to assets | 9.6926% | 4,395 |
| Core capital (leverage) ratio | 9.7702% | 3,668 |
| Tier 1 risk-based capital ratio | 11.0060% | 5,906 |
| Total risk-based capital ratio | 11.9571% | 6,088 |
| Memoranda: | ||
| Average total assets | $243,285,500 | 2,731 |
| Average earning assets | $220,755,500 | 2,753 |
| Average equity | $23,731,000 | 2,799 |
| Average total loans | $206,426,500 | 2,306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3298% | 3,795 |
| Cost of funding earning assets | 2.1838% | 5,668 |
| Net interest margin | 4.1460% | 2,518 |
| Noninterest income to average assets | 0.6890% | 3,194 |
| Noninterest expense to average assets | 3.1555% | 3,498 |
| Loan and lease loss provision to assets | 0.1408% | 5,551 |
| Net operating income to assets | 0.7587% | 3,619 |
| Return on assets (ROA) | 0.7589% | 3,462 |
| Pretax return on assets | 1.1312% | 2,914 |
| Return on Equity (ROE) | 7.3814% | 3,332 |
| Retained earnings to average equity (ytd only) | 3.5944% | 2,908 |
| Net charge-offs to loans | -0.0059% | 7,798 |
| Credit loss provision to net charge-offs | -2,909.0909% | 7,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2781% | 4,069 |
| Assets per employee ($millions) | 3.4976% | 4,667 |
| Cash dividends to net income (ytd only)* | 51.3043% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 6,620 |
| Loan loss allowance to noncurrent loans | 197.0213% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 6,069 |
| Noncurrent loans to loans | 0.4620% | 5,962 |
| Net loans and leases to total assets | 83.5418% | 960 |
| Net loans and leases to deposits | 109.6264% | 862 |
| Net loans and leases to core deposits | 132.7176% | 1,675 |
| Total domestic deposits to total assets | 76.2059% | 6,192 |
| Equity capital to assets | 9.8171% | 4,269 |
| Core capital (leverage) ratio | 9.9599% | 3,480 |
| Tier 1 risk-based capital ratio | 11.3099% | 5,430 |
| Total risk-based capital ratio | 12.1940% | 5,689 |
| Memoranda: | ||
| Average total assets | $227,289,000 | 2,803 |
| Average earning assets | $204,920,200 | 2,842 |
| Average equity | $23,369,400 | 2,806 |
| Average total loans | $186,864,400 | 2,431 |