Home > Herring Bank > Performance and Condition Ratios
Herring Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7485% | 457 |
| Cost of funding earning assets | 1.4076% | 3,396 |
| Net interest margin | 5.3409% | 188 |
| Noninterest income to average assets | 2.2100% | 235 |
| Noninterest expense to average assets | 6.6816% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4199% | 3,699 |
| Return on assets (ROA) | 0.4369% | 3,693 |
| Pretax return on assets | 0.4369% | 3,803 |
| Return on Equity (ROE) | 3.9500% | 3,730 |
| Retained earnings to average equity (ytd only) | 3.9534% | 2,862 |
| Net charge-offs to loans | 0.0925% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 6.4875% | 1,857 |
| Efficiency ratio | 94.0875% | 380 |
| Assets per employee ($millions) | 3.1514% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 3,564 |
| Loan loss allowance to noncurrent loans | 486.4486% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 2,811 |
| Noncurrent loans to loans | 0.1882% | 2,824 |
| Net loans and leases to total assets | 67.8700% | 2,097 |
| Net loans and leases to deposits | 76.9823% | 2,317 |
| Net loans and leases to core deposits | 81.7087% | 2,589 |
| Total domestic deposits to total assets | 88.1600% | 1,502 |
| Equity capital to assets | 11.1420% | 1,592 |
| Core capital (leverage) ratio | 12.6444% | 1,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3537% | 835 |
| Memoranda: | ||
| Average total assets | $494,435,000 | 1,795 |
| Average earning assets | $452,957,000 | 1,806 |
| Average equity | $54,637,000 | 1,662 |
| Average total loans | $345,890,000 | 1,724 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9396% | 429 |
| Cost of funding earning assets | 1.4494% | 3,447 |
| Net interest margin | 5.4902% | 178 |
| Noninterest income to average assets | 1.9300% | 268 |
| Noninterest expense to average assets | 6.6252% | 161 |
| Loan and lease loss provision to assets | 0.2200% | 596 |
| Net operating income to assets | 0.0781% | 4,112 |
| Return on assets (ROA) | 0.0745% | 4,139 |
| Pretax return on assets | 0.0787% | 4,134 |
| Return on Equity (ROE) | 0.6800% | 4,135 |
| Retained earnings to average equity (ytd only) | 0.6820% | 3,758 |
| Net charge-offs to loans | 0.2871% | 523 |
| Credit loss provision to net charge-offs | 101.4535% | 1,868 |
| Earnings coverage of net charge-offs (x) | 1.4360% | 2,905 |
| Efficiency ratio | 95.6735% | 350 |
| Assets per employee ($millions) | 3.0306% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 3,603 |
| Loan loss allowance to noncurrent loans | 751.8779% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 2,999 |
| Noncurrent loans to loans | 0.1215% | 3,032 |
| Net loans and leases to total assets | 70.7900% | 1,801 |
| Net loans and leases to deposits | 80.5853% | 2,083 |
| Net loans and leases to core deposits | 85.2078% | 2,436 |
| Total domestic deposits to total assets | 87.8400% | 1,576 |
| Equity capital to assets | 10.9575% | 1,606 |
| Core capital (leverage) ratio | 12.5362% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5138% | 968 |
| Memoranda: | ||
| Average total assets | $495,352,400 | 1,782 |
| Average earning assets | $450,456,600 | 1,792 |
| Average equity | $54,101,800 | 1,628 |
| Average total loans | $359,519,000 | 1,652 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8641% | 455 |
| Cost of funding earning assets | 1.4554% | 3,438 |
| Net interest margin | 5.4087% | 207 |
| Noninterest income to average assets | 2.0300% | 243 |
| Noninterest expense to average assets | 6.4759% | 156 |
| Loan and lease loss provision to assets | 0.2000% | 591 |
| Net operating income to assets | 0.2619% | 3,916 |
| Return on assets (ROA) | 0.2686% | 3,941 |
| Pretax return on assets | 0.2686% | 3,994 |
| Return on Equity (ROE) | 2.4600% | 3,963 |
| Retained earnings to average equity (ytd only) | 2.4610% | 3,329 |
| Net charge-offs to loans | 0.2444% | 507 |
| Credit loss provision to net charge-offs | 113.4238% | 1,546 |
| Earnings coverage of net charge-offs (x) | 2.6078% | 2,579 |
| Efficiency ratio | 93.3093% | 419 |
| Assets per employee ($millions) | 2.9986% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 3,630 |
| Loan loss allowance to noncurrent loans | 626.5774% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 2,920 |
| Noncurrent loans to loans | 0.1449% | 2,958 |
| Net loans and leases to total assets | 71.4000% | 1,684 |
| Net loans and leases to deposits | 81.2670% | 2,056 |
| Net loans and leases to core deposits | 85.6504% | 2,441 |
| Total domestic deposits to total assets | 87.8600% | 1,289 |
| Equity capital to assets | 11.1421% | 1,662 |
| Core capital (leverage) ratio | 12.8443% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3768% | 1,028 |
| Memoranda: | ||
| Average total assets | $496,452,250 | 1,774 |
| Average earning assets | $451,014,250 | 1,794 |
| Average equity | $54,178,250 | 1,617 |
| Average total loans | $361,713,500 | 1,642 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8639% | 427 |
| Cost of funding earning assets | 1.4649% | 3,357 |
| Net interest margin | 5.3990% | 207 |
| Noninterest income to average assets | 2.1300% | 234 |
| Noninterest expense to average assets | 6.3533% | 159 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 0.5312% | 3,354 |
| Return on assets (ROA) | 0.5203% | 3,404 |
| Pretax return on assets | 0.5203% | 3,590 |
| Return on Equity (ROE) | 4.8000% | 3,564 |
| Retained earnings to average equity (ytd only) | 4.8024% | 2,410 |
| Net charge-offs to loans | 0.1729% | 607 |
| Credit loss provision to net charge-offs | 103.8339% | 1,459 |
| Earnings coverage of net charge-offs (x) | 5.2396% | 2,223 |
| Efficiency ratio | 90.5573% | 537 |
| Assets per employee ($millions) | 2.8705% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 3,723 |
| Loan loss allowance to noncurrent loans | 325.8656% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 2,357 |
| Noncurrent loans to loans | 0.2736% | 2,394 |
| Net loans and leases to total assets | 71.6300% | 1,707 |
| Net loans and leases to deposits | 81.2809% | 2,086 |
| Net loans and leases to core deposits | 85.4395% | 2,435 |
| Total domestic deposits to total assets | 88.1300% | 1,280 |
| Equity capital to assets | 10.9199% | 1,605 |
| Core capital (leverage) ratio | 12.8687% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4351% | 1,012 |
| Memoranda: | ||
| Average total assets | $495,109,000 | 1,771 |
| Average earning assets | $448,081,333 | 1,795 |
| Average equity | $53,639,333 | 1,607 |
| Average total loans | $362,012,333 | 1,635 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9190% | 368 |
| Cost of funding earning assets | 1.4515% | 3,313 |
| Net interest margin | 5.4675% | 195 |
| Noninterest income to average assets | 2.0900% | 228 |
| Noninterest expense to average assets | 6.1986% | 163 |
| Loan and lease loss provision to assets | 0.1300% | 807 |
| Net operating income to assets | 0.6902% | 2,875 |
| Return on assets (ROA) | 0.6740% | 2,943 |
| Pretax return on assets | 0.6740% | 3,221 |
| Return on Equity (ROE) | 6.2500% | 3,148 |
| Retained earnings to average equity (ytd only) | 6.2461% | 2,032 |
| Net charge-offs to loans | 0.1023% | 714 |
| Credit loss provision to net charge-offs | 177.4194% | 864 |
| Earnings coverage of net charge-offs (x) | 10.9462% | 1,606 |
| Efficiency ratio | 88.2705% | 666 |
| Assets per employee ($millions) | 3.0038% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 3,709 |
| Loan loss allowance to noncurrent loans | 48.1181% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 341 |
| Noncurrent loans to loans | 1.8699% | 363 |
| Net loans and leases to total assets | 72.4400% | 1,511 |
| Net loans and leases to deposits | 81.8576% | 1,901 |
| Net loans and leases to core deposits | 85.7335% | 2,324 |
| Total domestic deposits to total assets | 88.5000% | 1,252 |
| Equity capital to assets | 10.7966% | 1,588 |
| Core capital (leverage) ratio | 12.7878% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8802% | 1,109 |
| Memoranda: | ||
| Average total assets | $494,368,500 | 1,778 |
| Average earning assets | $445,616,000 | 1,811 |
| Average equity | $53,345,500 | 1,604 |
| Average total loans | $363,565,000 | 1,626 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4012% | 388 |
| Cost of funding earning assets | 0.8723% | 3,579 |
| Net interest margin | 5.5290% | 178 |
| Noninterest income to average assets | 2.5100% | 216 |
| Noninterest expense to average assets | 6.5450% | 159 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.7954% | 2,887 |
| Return on assets (ROA) | 0.8007% | 2,853 |
| Pretax return on assets | 0.8098% | 3,190 |
| Return on Equity (ROE) | 7.7200% | 3,097 |
| Retained earnings to average equity (ytd only) | 7.7182% | 1,621 |
| Net charge-offs to loans | 0.0826% | 1,035 |
| Credit loss provision to net charge-offs | 189.7959% | 1,261 |
| Earnings coverage of net charge-offs (x) | 15.1497% | 2,054 |
| Efficiency ratio | 87.6691% | 494 |
| Assets per employee ($millions) | 3.0819% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 3,801 |
| Loan loss allowance to noncurrent loans | 465.4015% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,519 |
| Noncurrent loans to loans | 0.1878% | 2,575 |
| Net loans and leases to total assets | 73.3400% | 1,434 |
| Net loans and leases to deposits | 82.8648% | 1,879 |
| Net loans and leases to core deposits | 86.6747% | 2,261 |
| Total domestic deposits to total assets | 88.5000% | 1,207 |
| Equity capital to assets | 10.7846% | 1,594 |
| Core capital (leverage) ratio | 12.8859% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8860% | 1,095 |
| Memoranda: | ||
| Average total assets | $484,324,600 | 1,762 |
| Average earning assets | $433,931,000 | 1,799 |
| Average equity | $50,245,200 | 1,603 |
| Average total loans | $355,848,200 | 1,591 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2563% | 387 |
| Cost of funding earning assets | 0.7615% | 3,631 |
| Net interest margin | 5.4949% | 179 |
| Noninterest income to average assets | 2.5000% | 232 |
| Noninterest expense to average assets | 6.5690% | 160 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.7118% | 3,289 |
| Return on assets (ROA) | 0.6952% | 3,319 |
| Pretax return on assets | 0.6952% | 3,564 |
| Return on Equity (ROE) | 6.7700% | 3,491 |
| Retained earnings to average equity (ytd only) | 6.7700% | 2,366 |
| Net charge-offs to loans | 0.0588% | 1,080 |
| Credit loss provision to net charge-offs | 283.9744% | 920 |
| Earnings coverage of net charge-offs (x) | 19.3397% | 1,838 |
| Efficiency ratio | 88.7303% | 420 |
| Assets per employee ($millions) | 3.0742% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 3,759 |
| Loan loss allowance to noncurrent loans | 584.8816% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 2,755 |
| Noncurrent loans to loans | 0.1523% | 2,792 |
| Net loans and leases to total assets | 71.7300% | 1,609 |
| Net loans and leases to deposits | 80.5649% | 2,000 |
| Net loans and leases to core deposits | 83.4948% | 2,360 |
| Total domestic deposits to total assets | 89.0300% | 1,237 |
| Equity capital to assets | 9.8694% | 1,901 |
| Core capital (leverage) ratio | 12.5598% | 1,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5304% | 1,195 |
| Memoranda: | ||
| Average total assets | $482,128,000 | 1,771 |
| Average earning assets | $430,379,000 | 1,800 |
| Average equity | $49,511,500 | 1,609 |
| Average total loans | $353,606,750 | 1,598 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0549% | 419 |
| Cost of funding earning assets | 0.6232% | 3,698 |
| Net interest margin | 5.4317% | 187 |
| Noninterest income to average assets | 2.4300% | 208 |
| Noninterest expense to average assets | 5.5701% | 189 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.5710% | 986 |
| Return on assets (ROA) | 1.5710% | 983 |
| Pretax return on assets | 1.5710% | 1,465 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 14.9793% | 564 |
| Net charge-offs to loans | 0.0028% | 2,241 |
| Credit loss provision to net charge-offs | 6,100.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 809.8000% | 182 |
| Efficiency ratio | 76.6467% | 1,118 |
| Assets per employee ($millions) | 3.0092% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,762 |
| Loan loss allowance to noncurrent loans | 50.7957% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.3020% | 298 |
| Noncurrent loans to loans | 1.7856% | 339 |
| Net loans and leases to total assets | 72.2600% | 1,499 |
| Net loans and leases to deposits | 81.6074% | 1,857 |
| Net loans and leases to core deposits | 87.3521% | 1,980 |
| Total domestic deposits to total assets | 88.5400% | 1,406 |
| Equity capital to assets | 10.5863% | 1,555 |
| Core capital (leverage) ratio | 13.2601% | 949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4510% | 1,226 |
| Memoranda: | ||
| Average total assets | $477,156,000 | 1,778 |
| Average earning assets | $424,910,667 | 1,828 |
| Average equity | $50,042,333 | 1,596 |
| Average total loans | $351,332,000 | 1,595 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8955% | 360 |
| Cost of funding earning assets | 0.4219% | 3,903 |
| Net interest margin | 5.4737% | 154 |
| Noninterest income to average assets | 2.4300% | 199 |
| Noninterest expense to average assets | 5.3120% | 212 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.8644% | 602 |
| Return on assets (ROA) | 1.8907% | 578 |
| Pretax return on assets | 1.8907% | 922 |
| Return on Equity (ROE) | 18.0800% | 1,020 |
| Retained earnings to average equity (ytd only) | 18.0809% | 507 |
| Net charge-offs to loans | -0.0687% | 4,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7896% | 1,464 |
| Assets per employee ($millions) | 3.0898% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 3,849 |
| Loan loss allowance to noncurrent loans | 562.7027% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,690 |
| Noncurrent loans to loans | 0.1600% | 2,687 |
| Net loans and leases to total assets | 72.7100% | 1,351 |
| Net loans and leases to deposits | 82.2374% | 1,637 |
| Net loans and leases to core deposits | 85.2780% | 1,910 |
| Total domestic deposits to total assets | 88.4200% | 1,769 |
| Equity capital to assets | 10.7104% | 1,449 |
| Core capital (leverage) ratio | 13.0093% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9897% | 1,152 |
| Memoranda: | ||
| Average total assets | $471,990,500 | 1,810 |
| Average earning assets | $419,096,500 | 1,866 |
| Average equity | $49,356,000 | 1,630 |
| Average total loans | $349,267,500 | 1,619 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 276 |
| Cost of funding earning assets | 0.2828% | 3,015 |
| Net interest margin | 4.7691% | 183 |
| Noninterest income to average assets | 2.4200% | 207 |
| Noninterest expense to average assets | 5.3063% | 198 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.0459% | 2,394 |
| Return on assets (ROA) | 0.9973% | 2,529 |
| Pretax return on assets | 0.9973% | 3,081 |
| Return on Equity (ROE) | 9.9200% | 2,834 |
| Retained earnings to average equity (ytd only) | 9.9206% | 1,180 |
| Net charge-offs to loans | 0.1761% | 471 |
| Credit loss provision to net charge-offs | 102.6578% | 1,536 |
| Earnings coverage of net charge-offs (x) | 9.6362% | 2,220 |
| Efficiency ratio | 81.9136% | 601 |
| Assets per employee ($millions) | 3.0208% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 3,957 |
| Loan loss allowance to noncurrent loans | 356.5854% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 2,327 |
| Noncurrent loans to loans | 0.2332% | 2,338 |
| Net loans and leases to total assets | 74.0100% | 1,215 |
| Net loans and leases to deposits | 83.2179% | 1,529 |
| Net loans and leases to core deposits | 85.2953% | 1,798 |
| Total domestic deposits to total assets | 88.9300% | 1,740 |
| Equity capital to assets | 10.2028% | 1,610 |
| Core capital (leverage) ratio | 11.9712% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5803% | 1,213 |
| Memoranda: | ||
| Average total assets | $495,547,200 | 1,732 |
| Average earning assets | $421,082,000 | 1,844 |
| Average equity | $49,815,600 | 1,630 |
| Average total loans | $341,864,200 | 1,571 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 313 |
| Cost of funding earning assets | 0.2402% | 2,817 |
| Net interest margin | 4.5142% | 234 |
| Noninterest income to average assets | 2.4100% | 220 |
| Noninterest expense to average assets | 5.4047% | 195 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.7357% | 3,463 |
| Return on assets (ROA) | 0.6682% | 3,609 |
| Pretax return on assets | 0.6682% | 3,860 |
| Return on Equity (ROE) | 6.6700% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.6705% | 2,488 |
| Net charge-offs to loans | 0.1493% | 442 |
| Credit loss provision to net charge-offs | 60.2632% | 1,491 |
| Earnings coverage of net charge-offs (x) | 7.8868% | 2,062 |
| Efficiency ratio | 87.1544% | 414 |
| Assets per employee ($millions) | 3.4524% | 4,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8149% | 4,061 |
| Loan loss allowance to noncurrent loans | 396.8345% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1369% | 2,647 |
| Noncurrent loans to loans | 0.2053% | 2,574 |
| Net loans and leases to total assets | 66.1500% | 1,873 |
| Net loans and leases to deposits | 73.7230% | 2,079 |
| Net loans and leases to core deposits | 75.6969% | 2,218 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 9.8160% | 1,719 |
| Core capital (leverage) ratio | 11.8341% | 1,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9888% | 1,434 |
| Memoranda: | ||
| Average total assets | $501,622,750 | 1,725 |
| Average earning assets | $421,351,750 | 1,852 |
| Average equity | $50,249,500 | 1,644 |
| Average total loans | $339,409,750 | 1,568 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 359 |
| Cost of funding earning assets | 0.2436% | 2,349 |
| Net interest margin | 4.2874% | 279 |
| Noninterest income to average assets | 2.4581% | 188 |
| Noninterest expense to average assets | 5.4489% | 148 |
| Loan and lease loss provision to assets | 0.0688% | 1,380 |
| Net operating income to assets | 0.5752% | 3,694 |
| Return on assets (ROA) | 0.5071% | 3,828 |
| Pretax return on assets | 0.5071% | 3,986 |
| Return on Equity (ROE) | 5.0284% | 3,811 |
| Retained earnings to average equity (ytd only) | 5.0284% | 2,698 |
| Net charge-offs to loans | 0.1513% | 425 |
| Credit loss provision to net charge-offs | 66.9261% | 1,442 |
| Earnings coverage of net charge-offs (x) | 6.2607% | 1,904 |
| Efficiency ratio | 89.4298% | 433 |
| Assets per employee ($millions) | 3.0667% | 4,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 4,095 |
| Loan loss allowance to noncurrent loans | 367.7083% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1648% | 2,550 |
| Noncurrent loans to loans | 0.2295% | 2,573 |
| Net loans and leases to total assets | 71.1887% | 1,187 |
| Net loans and leases to deposits | 79.9822% | 1,390 |
| Net loans and leases to core deposits | 82.4410% | 1,565 |
| Total domestic deposits to total assets | 89.0057% | 2,185 |
| Equity capital to assets | 10.5106% | 1,423 |
| Core capital (leverage) ratio | 11.7186% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8485% | 1,471 |
| Memoranda: | ||
| Average total assets | $499,664,000 | 1,727 |
| Average earning assets | $423,608,667 | 1,866 |
| Average equity | $50,394,000 | 1,672 |
| Average total loans | $339,726,333 | 1,566 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 255 |
| Cost of funding earning assets | 0.2484% | 2,180 |
| Net interest margin | 4.3563% | 216 |
| Noninterest income to average assets | 2.1633% | 210 |
| Noninterest expense to average assets | 5.2863% | 157 |
| Loan and lease loss provision to assets | -0.0534% | 4,519 |
| Net operating income to assets | 0.5980% | 3,400 |
| Return on assets (ROA) | 0.5197% | 3,623 |
| Pretax return on assets | 0.5197% | 3,836 |
| Return on Equity (ROE) | 5.2531% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.2531% | 2,498 |
| Net charge-offs to loans | 0.0596% | 718 |
| Credit loss provision to net charge-offs | -135.2941% | 2,918 |
| Earnings coverage of net charge-offs (x) | 13.7843% | 1,383 |
| Efficiency ratio | 90.6615% | 518 |
| Assets per employee ($millions) | 3.0068% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8148% | 4,216 |
| Loan loss allowance to noncurrent loans | 377.7778% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 2,788 |
| Noncurrent loans to loans | 0.2157% | 2,743 |
| Net loans and leases to total assets | 66.0020% | 1,409 |
| Net loans and leases to deposits | 73.5158% | 1,653 |
| Net loans and leases to core deposits | 75.8275% | 1,793 |
| Total domestic deposits to total assets | 89.7794% | 1,683 |
| Equity capital to assets | 9.7974% | 2,049 |
| Core capital (leverage) ratio | 11.2756% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0912% | 1,771 |
| Memoranda: | ||
| Average total assets | $516,426,000 | 1,709 |
| Average earning assets | $434,776,500 | 1,842 |
| Average equity | $51,094,000 | 1,706 |
| Average total loans | $342,258,000 | 1,546 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 306 |
| Cost of funding earning assets | 0.2292% | 3,143 |
| Net interest margin | 4.6653% | 215 |
| Noninterest income to average assets | 2.1736% | 275 |
| Noninterest expense to average assets | 5.1179% | 173 |
| Loan and lease loss provision to assets | -0.1418% | 4,615 |
| Net operating income to assets | 1.3495% | 1,444 |
| Return on assets (ROA) | 1.4598% | 1,175 |
| Pretax return on assets | 1.4598% | 1,853 |
| Return on Equity (ROE) | 15.4092% | 859 |
| Retained earnings to average equity (ytd only) | 15.0862% | 217 |
| Net charge-offs to loans | 0.1010% | 852 |
| Credit loss provision to net charge-offs | -197.0588% | 3,505 |
| Earnings coverage of net charge-offs (x) | 16.7781% | 1,964 |
| Efficiency ratio | 80.9049% | 753 |
| Assets per employee ($millions) | 2.9809% | 4,692 |
| Cash dividends to net income (ytd only)* | 2.0962% | 3,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8494% | 4,179 |
| Loan loss allowance to noncurrent loans | 302.9167% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 2,641 |
| Noncurrent loans to loans | 0.2804% | 2,601 |
| Net loans and leases to total assets | 65.4461% | 1,537 |
| Net loans and leases to deposits | 73.0959% | 1,803 |
| Net loans and leases to core deposits | 75.8720% | 1,933 |
| Total domestic deposits to total assets | 89.5346% | 1,217 |
| Equity capital to assets | 9.9893% | 2,665 |
| Core capital (leverage) ratio | 10.1214% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0210% | 1,833 |
| Memoranda: | ||
| Average total assets | $519,589,400 | 1,651 |
| Average earning assets | $462,416,600 | 1,707 |
| Average equity | $49,223,800 | 1,794 |
| Average total loans | $370,271,200 | 1,461 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 263 |
| Cost of funding earning assets | 0.2280% | 3,345 |
| Net interest margin | 4.8591% | 183 |
| Noninterest income to average assets | 2.1619% | 306 |
| Noninterest expense to average assets | 4.7839% | 193 |
| Loan and lease loss provision to assets | -0.1198% | 4,644 |
| Net operating income to assets | 1.8541% | 609 |
| Return on assets (ROA) | 2.0062% | 483 |
| Pretax return on assets | 2.0062% | 788 |
| Return on Equity (ROE) | 21.4423% | 327 |
| Retained earnings to average equity (ytd only) | 21.4423% | 92 |
| Net charge-offs to loans | 0.0966% | 755 |
| Credit loss provision to net charge-offs | -171.0623% | 3,348 |
| Earnings coverage of net charge-offs (x) | 24.7692% | 1,634 |
| Efficiency ratio | 73.3926% | 1,269 |
| Assets per employee ($millions) | 3.0122% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,026 |
| Loan loss allowance to noncurrent loans | 334.0122% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 2,855 |
| Noncurrent loans to loans | 0.2824% | 2,784 |
| Net loans and leases to total assets | 66.0885% | 1,535 |
| Net loans and leases to deposits | 73.8077% | 1,877 |
| Net loans and leases to core deposits | 76.7435% | 1,979 |
| Total domestic deposits to total assets | 89.5416% | 988 |
| Equity capital to assets | 10.0896% | 2,814 |
| Core capital (leverage) ratio | 10.0451% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8977% | 2,003 |
| Memoranda: | ||
| Average total assets | $519,837,500 | 1,662 |
| Average earning assets | $466,057,000 | 1,710 |
| Average equity | $48,637,750 | 1,829 |
| Average total loans | $376,951,000 | 1,465 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 205 |
| Cost of funding earning assets | 0.2298% | 3,463 |
| Net interest margin | 5.1066% | 148 |
| Noninterest income to average assets | 2.2017% | 293 |
| Noninterest expense to average assets | 4.6283% | 203 |
| Loan and lease loss provision to assets | 0.4840% | 113 |
| Net operating income to assets | 1.6934% | 885 |
| Return on assets (ROA) | 1.9249% | 585 |
| Pretax return on assets | 1.9249% | 966 |
| Return on Equity (ROE) | 21.1266% | 375 |
| Retained earnings to average equity (ytd only) | 21.1266% | 126 |
| Net charge-offs to loans | 0.0559% | 1,063 |
| Credit loss provision to net charge-offs | 1,163.8889% | 430 |
| Earnings coverage of net charge-offs (x) | 52.3611% | 1,040 |
| Efficiency ratio | 68.0057% | 1,881 |
| Assets per employee ($millions) | 3.0647% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,888 |
| Loan loss allowance to noncurrent loans | 507.7603% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 2,984 |
| Noncurrent loans to loans | 0.2797% | 2,934 |
| Net loans and leases to total assets | 68.4743% | 1,388 |
| Net loans and leases to deposits | 75.9731% | 1,823 |
| Net loans and leases to core deposits | 78.4254% | 2,010 |
| Total domestic deposits to total assets | 90.1296% | 707 |
| Equity capital to assets | 9.4783% | 3,353 |
| Core capital (leverage) ratio | 9.9292% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9032% | 2,402 |
| Memoranda: | ||
| Average total assets | $519,413,333 | 1,656 |
| Average earning assets | $468,298,333 | 1,702 |
| Average equity | $47,324,333 | 1,856 |
| Average total loans | $386,710,000 | 1,452 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 349 |
| Cost of funding earning assets | 0.2394% | 3,568 |
| Net interest margin | 4.7697% | 249 |
| Noninterest income to average assets | 2.1482% | 334 |
| Noninterest expense to average assets | 4.3080% | 232 |
| Loan and lease loss provision to assets | 0.1354% | 998 |
| Net operating income to assets | 2.0360% | 546 |
| Return on assets (ROA) | 2.0058% | 609 |
| Pretax return on assets | 2.0058% | 939 |
| Return on Equity (ROE) | 22.4743% | 364 |
| Retained earnings to average equity (ytd only) | 22.4743% | 193 |
| Net charge-offs to loans | 0.0482% | 1,011 |
| Credit loss provision to net charge-offs | 364.5833% | 688 |
| Earnings coverage of net charge-offs (x) | 58.4792% | 834 |
| Efficiency ratio | 66.4876% | 2,159 |
| Assets per employee ($millions) | 3.6672% | 4,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,730 |
| Loan loss allowance to noncurrent loans | 413.9721% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 2,352 |
| Noncurrent loans to loans | 0.2486% | 3,208 |
| Net loans and leases to total assets | 74.0101% | 812 |
| Net loans and leases to deposits | 81.6019% | 1,361 |
| Net loans and leases to core deposits | 84.1397% | 1,667 |
| Total domestic deposits to total assets | 90.6965% | 510 |
| Equity capital to assets | 8.7835% | 3,886 |
| Core capital (leverage) ratio | 9.0659% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9569% | 2,938 |
| Memoranda: | ||
| Average total assets | $517,089,500 | 1,651 |
| Average earning assets | $469,543,500 | 1,686 |
| Average equity | $46,150,500 | 1,882 |
| Average total loans | $398,057,000 | 1,420 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2543% | 299 |
| Cost of funding earning assets | 0.5084% | 2,899 |
| Net interest margin | 4.7459% | 194 |
| Noninterest income to average assets | 2.2586% | 284 |
| Noninterest expense to average assets | 4.9875% | 197 |
| Loan and lease loss provision to assets | 0.1505% | 2,492 |
| Net operating income to assets | 1.2870% | 1,281 |
| Return on assets (ROA) | 1.2947% | 1,365 |
| Pretax return on assets | 1.2947% | 1,994 |
| Return on Equity (ROE) | 14.9976% | 646 |
| Retained earnings to average equity (ytd only) | 9.5049% | 685 |
| Net charge-offs to loans | -0.0289% | 4,525 |
| Credit loss provision to net charge-offs | -695.1923% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6007% | 1,067 |
| Assets per employee ($millions) | 3.3453% | 4,706 |
| Cash dividends to net income (ytd only)* | 36.6238% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 3,789 |
| Loan loss allowance to noncurrent loans | 508.2174% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 2,418 |
| Noncurrent loans to loans | 0.2013% | 3,489 |
| Net loans and leases to total assets | 78.5646% | 545 |
| Net loans and leases to deposits | 86.7852% | 1,190 |
| Net loans and leases to core deposits | 89.6545% | 1,556 |
| Total domestic deposits to total assets | 90.5276% | 363 |
| Equity capital to assets | 9.0792% | 3,987 |
| Core capital (leverage) ratio | 9.1876% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5343% | 2,792 |
| Memoranda: | ||
| Average total assets | $480,424,600 | 1,608 |
| Average earning assets | $421,751,400 | 1,689 |
| Average equity | $41,473,200 | 1,974 |
| Average total loans | $360,042,400 | 1,479 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1883% | 424 |
| Cost of funding earning assets | 0.5800% | 2,740 |
| Net interest margin | 4.6082% | 302 |
| Noninterest income to average assets | 2.1604% | 299 |
| Noninterest expense to average assets | 4.8647% | 201 |
| Loan and lease loss provision to assets | 0.1168% | 2,864 |
| Net operating income to assets | 1.1958% | 1,647 |
| Return on assets (ROA) | 1.2079% | 1,744 |
| Pretax return on assets | 1.2079% | 2,363 |
| Return on Equity (ROE) | 14.1822% | 847 |
| Retained earnings to average equity (ytd only) | 6.7020% | 1,814 |
| Net charge-offs to loans | -0.1035% | 4,828 |
| Credit loss provision to net charge-offs | -153.1136% | 3,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7496% | 969 |
| Assets per employee ($millions) | 3.4825% | 4,671 |
| Cash dividends to net income (ytd only)* | 52.7437% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,700 |
| Loan loss allowance to noncurrent loans | 504.4156% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 2,641 |
| Noncurrent loans to loans | 0.1985% | 3,597 |
| Net loans and leases to total assets | 75.5147% | 1,158 |
| Net loans and leases to deposits | 82.7754% | 2,034 |
| Net loans and leases to core deposits | 85.3636% | 2,354 |
| Total domestic deposits to total assets | 91.2285% | 130 |
| Equity capital to assets | 8.3046% | 4,574 |
| Core capital (leverage) ratio | 8.7478% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6589% | 2,998 |
| Memoranda: | ||
| Average total assets | $476,755,500 | 1,596 |
| Average earning assets | $415,593,250 | 1,684 |
| Average equity | $40,603,750 | 1,987 |
| Average total loans | $351,804,500 | 1,495 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2182% | 548 |
| Cost of funding earning assets | 0.6787% | 2,508 |
| Net interest margin | 4.5394% | 461 |
| Noninterest income to average assets | 2.3716% | 238 |
| Noninterest expense to average assets | 5.0048% | 191 |
| Loan and lease loss provision to assets | 0.1763% | 2,254 |
| Net operating income to assets | 1.1442% | 1,827 |
| Return on assets (ROA) | 1.1626% | 1,881 |
| Pretax return on assets | 1.1626% | 2,483 |
| Return on Equity (ROE) | 13.5286% | 974 |
| Retained earnings to average equity (ytd only) | 2.1566% | 3,696 |
| Net charge-offs to loans | -0.0388% | 4,616 |
| Credit loss provision to net charge-offs | -622.7273% | 3,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1237% | 947 |
| Assets per employee ($millions) | 3.6067% | 4,599 |
| Cash dividends to net income (ytd only)* | 84.0590% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,637 |
| Loan loss allowance to noncurrent loans | 294.5425% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 2,343 |
| Noncurrent loans to loans | 0.3352% | 3,190 |
| Net loans and leases to total assets | 72.8801% | 1,573 |
| Net loans and leases to deposits | 79.7189% | 2,464 |
| Net loans and leases to core deposits | 82.2909% | 2,757 |
| Total domestic deposits to total assets | 91.4213% | 94 |
| Equity capital to assets | 8.0635% | 4,685 |
| Core capital (leverage) ratio | 8.5720% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0572% | 2,951 |
| Memoranda: | ||
| Average total assets | $466,190,000 | 1,601 |
| Average earning assets | $406,042,667 | 1,687 |
| Average equity | $40,063,333 | 1,998 |
| Average total loans | $339,792,667 | 1,511 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2726% | 580 |
| Cost of funding earning assets | 0.8632% | 2,043 |
| Net interest margin | 4.4094% | 613 |
| Noninterest income to average assets | 3.1467% | 144 |
| Noninterest expense to average assets | 4.9139% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1244% | 213 |
| Return on assets (ROA) | 2.1467% | 223 |
| Pretax return on assets | 2.1467% | 339 |
| Return on Equity (ROE) | 24.1387% | 78 |
| Retained earnings to average equity (ytd only) | 3.3520% | 2,940 |
| Net charge-offs to loans | -0.1025% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8168% | 2,386 |
| Assets per employee ($millions) | 2.5468% | 4,943 |
| Cash dividends to net income (ytd only)* | 86.1134% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9907% | 3,761 |
| Loan loss allowance to noncurrent loans | 440.7806% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 2,677 |
| Noncurrent loans to loans | 0.2248% | 3,678 |
| Net loans and leases to total assets | 73.0201% | 1,777 |
| Net loans and leases to deposits | 81.0332% | 2,578 |
| Net loans and leases to core deposits | 84.1637% | 2,838 |
| Total domestic deposits to total assets | 90.1113% | 287 |
| Equity capital to assets | 8.9831% | 4,608 |
| Core capital (leverage) ratio | 9.6410% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2492% | 2,592 |
| Memoranda: | ||
| Average total assets | $446,815,500 | 1,622 |
| Average earning assets | $394,338,500 | 1,685 |
| Average equity | $39,737,000 | 1,994 |
| Average total loans | $323,854,000 | 1,544 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1721% | 1,059 |
| Cost of funding earning assets | 0.8710% | 2,327 |
| Net interest margin | 4.3011% | 1,088 |
| Noninterest income to average assets | 1.7469% | 320 |
| Noninterest expense to average assets | 5.0411% | 210 |
| Loan and lease loss provision to assets | 0.0610% | 2,817 |
| Net operating income to assets | 0.5790% | 4,224 |
| Return on assets (ROA) | 0.5732% | 4,295 |
| Pretax return on assets | 0.5732% | 4,459 |
| Return on Equity (ROE) | 6.1857% | 3,851 |
| Retained earnings to average equity (ytd only) | -14.4879% | 5,111 |
| Net charge-offs to loans | 0.1787% | 1,127 |
| Credit loss provision to net charge-offs | 46.6905% | 3,151 |
| Earnings coverage of net charge-offs (x) | 4.8980% | 3,154 |
| Efficiency ratio | 88.6928% | 409 |
| Assets per employee ($millions) | 2.8551% | 4,884 |
| Cash dividends to net income (ytd only)* | 334.2170% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,459 |
| Loan loss allowance to noncurrent loans | 369.9884% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.4742% | 2,512 |
| Noncurrent loans to loans | 0.2721% | 3,476 |
| Net loans and leases to total assets | 70.4850% | 2,316 |
| Net loans and leases to deposits | 78.3067% | 2,973 |
| Net loans and leases to core deposits | 81.6679% | 3,161 |
| Total domestic deposits to total assets | 90.0115% | 313 |
| Equity capital to assets | 8.8031% | 4,784 |
| Core capital (leverage) ratio | 9.8546% | 3,671 |
| Tier 1 risk-based capital ratio | 12.4777% | 4,080 |
| Total risk-based capital ratio | 13.4085% | 4,159 |
| Memoranda: | ||
| Average total assets | $427,784,000 | 1,635 |
| Average earning assets | $391,293,400 | 1,660 |
| Average equity | $39,640,000 | 1,949 |
| Average total loans | $312,776,200 | 1,549 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1388% | 1,182 |
| Cost of funding earning assets | 0.8672% | 2,378 |
| Net interest margin | 4.2716% | 1,222 |
| Noninterest income to average assets | 1.7276% | 330 |
| Noninterest expense to average assets | 4.8126% | 235 |
| Loan and lease loss provision to assets | 0.1181% | 1,655 |
| Net operating income to assets | 0.7353% | 3,897 |
| Return on assets (ROA) | 0.7275% | 3,987 |
| Pretax return on assets | 0.7275% | 4,285 |
| Return on Equity (ROE) | 7.7486% | 3,415 |
| Retained earnings to average equity (ytd only) | -17.9661% | 5,202 |
| Net charge-offs to loans | 0.1963% | 886 |
| Credit loss provision to net charge-offs | 81.6993% | 2,482 |
| Earnings coverage of net charge-offs (x) | 5.9042% | 2,876 |
| Efficiency ratio | 84.9378% | 555 |
| Assets per employee ($millions) | 2.6680% | 5,024 |
| Cash dividends to net income (ytd only)* | 331.8619% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 3,182 |
| Loan loss allowance to noncurrent loans | 328.5439% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5238% | 2,433 |
| Noncurrent loans to loans | 0.3252% | 3,367 |
| Net loans and leases to total assets | 70.3895% | 2,413 |
| Net loans and leases to deposits | 77.4957% | 3,152 |
| Net loans and leases to core deposits | 80.7045% | 3,336 |
| Total domestic deposits to total assets | 90.8301% | 121 |
| Equity capital to assets | 8.7618% | 4,891 |
| Core capital (leverage) ratio | 9.9592% | 3,683 |
| Tier 1 risk-based capital ratio | 12.9166% | 3,897 |
| Total risk-based capital ratio | 13.9361% | 3,907 |
| Memoranda: | ||
| Average total assets | $423,382,250 | 1,664 |
| Average earning assets | $390,355,250 | 1,675 |
| Average equity | $39,748,000 | 1,951 |
| Average total loans | $311,688,500 | 1,566 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1490% | 1,110 |
| Cost of funding earning assets | 0.8412% | 2,441 |
| Net interest margin | 4.3078% | 1,127 |
| Noninterest income to average assets | 1.7051% | 331 |
| Noninterest expense to average assets | 4.8321% | 240 |
| Loan and lease loss provision to assets | 0.1445% | 1,283 |
| Net operating income to assets | 0.7034% | 3,996 |
| Return on assets (ROA) | 0.7034% | 4,050 |
| Pretax return on assets | 0.7034% | 4,321 |
| Return on Equity (ROE) | 7.3171% | 3,563 |
| Retained earnings to average equity (ytd only) | -27.6798% | 5,268 |
| Net charge-offs to loans | 0.3078% | 558 |
| Credit loss provision to net charge-offs | 63.0252% | 2,381 |
| Earnings coverage of net charge-offs (x) | 3.6975% | 2,806 |
| Efficiency ratio | 85.0708% | 591 |
| Assets per employee ($millions) | 2.4876% | 5,130 |
| Cash dividends to net income (ytd only)* | 478.2877% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,300 |
| Loan loss allowance to noncurrent loans | 299.7288% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 2,310 |
| Noncurrent loans to loans | 0.3527% | 3,286 |
| Net loans and leases to total assets | 72.9489% | 2,069 |
| Net loans and leases to deposits | 82.1286% | 2,718 |
| Net loans and leases to core deposits | 85.1585% | 3,019 |
| Total domestic deposits to total assets | 88.8227% | 738 |
| Equity capital to assets | 9.1494% | 4,696 |
| Core capital (leverage) ratio | 10.4258% | 3,167 |
| Tier 1 risk-based capital ratio | 13.0895% | 3,794 |
| Total risk-based capital ratio | 14.0993% | 3,823 |
| Memoranda: | ||
| Average total assets | $415,100,000 | 1,704 |
| Average earning assets | $383,029,330 | 1,718 |
| Average equity | $39,906,330 | 1,941 |
| Average total loans | $309,280,330 | 1,577 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 996 |
| Cost of funding earning assets | 0.7780% | 2,645 |
| Net interest margin | 4.3748% | 954 |
| Noninterest income to average assets | 1.7084% | 310 |
| Noninterest expense to average assets | 4.9097% | 218 |
| Loan and lease loss provision to assets | 0.0868% | 1,971 |
| Net operating income to assets | 0.7279% | 3,851 |
| Return on assets (ROA) | 0.7279% | 3,898 |
| Pretax return on assets | 0.7279% | 4,232 |
| Return on Equity (ROE) | 7.3861% | 3,511 |
| Retained earnings to average equity (ytd only) | -55.3762% | 5,337 |
| Net charge-offs to loans | 0.1172% | 1,038 |
| Credit loss provision to net charge-offs | 98.8889% | 1,640 |
| Earnings coverage of net charge-offs (x) | 9.2778% | 2,040 |
| Efficiency ratio | 85.7679% | 597 |
| Assets per employee ($millions) | 2.5042% | 5,184 |
| Cash dividends to net income (ytd only)* | 849.7319% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 2,881 |
| Loan loss allowance to noncurrent loans | 249.2857% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 2,024 |
| Noncurrent loans to loans | 0.4596% | 2,935 |
| Net loans and leases to total assets | 73.3213% | 1,925 |
| Net loans and leases to deposits | 81.0779% | 2,716 |
| Net loans and leases to core deposits | 83.7557% | 3,043 |
| Total domestic deposits to total assets | 90.4331% | 309 |
| Equity capital to assets | 9.1985% | 4,536 |
| Core capital (leverage) ratio | 10.5156% | 3,035 |
| Tier 1 risk-based capital ratio | 13.5217% | 3,592 |
| Total risk-based capital ratio | 14.6224% | 3,591 |
| Memoranda: | ||
| Average total assets | $409,964,000 | 1,735 |
| Average earning assets | $376,338,500 | 1,747 |
| Average equity | $40,400,000 | 1,917 |
| Average total loans | $307,111,000 | 1,600 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9344% | 1,194 |
| Cost of funding earning assets | 0.4990% | 3,367 |
| Net interest margin | 4.4354% | 870 |
| Noninterest income to average assets | 1.6768% | 343 |
| Noninterest expense to average assets | 4.7406% | 249 |
| Loan and lease loss provision to assets | 0.0561% | 3,046 |
| Net operating income to assets | 0.9303% | 3,330 |
| Return on assets (ROA) | 0.9305% | 3,319 |
| Pretax return on assets | 0.9305% | 3,812 |
| Return on Equity (ROE) | 8.7564% | 3,118 |
| Retained earnings to average equity (ytd only) | 0.4378% | 4,866 |
| Net charge-offs to loans | 0.0790% | 1,998 |
| Credit loss provision to net charge-offs | 97.0954% | 2,606 |
| Earnings coverage of net charge-offs (x) | 17.0664% | 2,210 |
| Efficiency ratio | 82.7094% | 729 |
| Assets per employee ($millions) | 2.6924% | 5,143 |
| Cash dividends to net income (ytd only)* | 95.0000% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 2,935 |
| Loan loss allowance to noncurrent loans | 165.4502% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 1,579 |
| Noncurrent loans to loans | 0.6815% | 2,287 |
| Net loans and leases to total assets | 74.8019% | 1,798 |
| Net loans and leases to deposits | 87.6677% | 2,089 |
| Net loans and leases to core deposits | 90.4052% | 2,541 |
| Total domestic deposits to total assets | 85.3243% | 2,503 |
| Equity capital to assets | 10.5129% | 3,176 |
| Core capital (leverage) ratio | 12.0046% | 1,731 |
| Tier 1 risk-based capital ratio | 14.9328% | 2,858 |
| Total risk-based capital ratio | 16.0091% | 2,868 |
| Memoranda: | ||
| Average total assets | $416,975,800 | 1,644 |
| Average earning assets | $380,757,000 | 1,668 |
| Average equity | $44,310,200 | 1,682 |
| Average total loans | $304,954,600 | 1,578 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 1,317 |
| Cost of funding earning assets | 0.4491% | 3,528 |
| Net interest margin | 4.3933% | 909 |
| Noninterest income to average assets | 1.7216% | 348 |
| Noninterest expense to average assets | 4.7965% | 235 |
| Loan and lease loss provision to assets | 0.0519% | 2,946 |
| Net operating income to assets | 0.8835% | 3,605 |
| Return on assets (ROA) | 0.8835% | 3,608 |
| Pretax return on assets | 0.8835% | 4,076 |
| Return on Equity (ROE) | 8.2928% | 3,419 |
| Retained earnings to average equity (ytd only) | 1.5683% | 4,705 |
| Net charge-offs to loans | 0.0729% | 1,799 |
| Credit loss provision to net charge-offs | 98.1928% | 2,320 |
| Earnings coverage of net charge-offs (x) | 17.7046% | 2,098 |
| Efficiency ratio | 83.6804% | 662 |
| Assets per employee ($millions) | 2.7692% | 5,178 |
| Cash dividends to net income (ytd only)* | 81.0880% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,908 |
| Loan loss allowance to noncurrent loans | 418.5629% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 1,618 |
| Noncurrent loans to loans | 0.2746% | 3,700 |
| Net loans and leases to total assets | 70.4821% | 2,568 |
| Net loans and leases to deposits | 82.4640% | 2,767 |
| Net loans and leases to core deposits | 85.7716% | 3,013 |
| Total domestic deposits to total assets | 85.4701% | 2,416 |
| Equity capital to assets | 10.4223% | 3,216 |
| Core capital (leverage) ratio | 11.9693% | 1,802 |
| Tier 1 risk-based capital ratio | 14.9571% | 2,904 |
| Total risk-based capital ratio | 16.0302% | 2,904 |
| Memoranda: | ||
| Average total assets | $418,909,500 | 1,636 |
| Average earning assets | $382,391,000 | 1,670 |
| Average equity | $44,632,000 | 1,677 |
| Average total loans | $303,790,500 | 1,592 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8349% | 1,159 |
| Cost of funding earning assets | 0.4021% | 3,705 |
| Net interest margin | 4.4328% | 794 |
| Noninterest income to average assets | 1.6907% | 355 |
| Noninterest expense to average assets | 5.0188% | 210 |
| Loan and lease loss provision to assets | -0.0514% | 5,378 |
| Net operating income to assets | 0.7632% | 3,984 |
| Return on assets (ROA) | 0.7632% | 3,988 |
| Pretax return on assets | 0.7632% | 4,358 |
| Return on Equity (ROE) | 7.1106% | 3,872 |
| Retained earnings to average equity (ytd only) | 1.3156% | 4,680 |
| Net charge-offs to loans | 0.0053% | 2,975 |
| Credit loss provision to net charge-offs | -1,337.5000% | 4,576 |
| Earnings coverage of net charge-offs (x) | 185.2500% | 443 |
| Efficiency ratio | 87.5786% | 491 |
| Assets per employee ($millions) | 2.5950% | 5,305 |
| Cash dividends to net income (ytd only)* | 81.4978% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1311% | 3,084 |
| Loan loss allowance to noncurrent loans | 475.1404% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9447% | 1,598 |
| Noncurrent loans to loans | 0.2380% | 3,855 |
| Net loans and leases to total assets | 73.5191% | 2,027 |
| Net loans and leases to deposits | 83.2114% | 2,622 |
| Net loans and leases to core deposits | 86.7238% | 2,844 |
| Total domestic deposits to total assets | 88.3522% | 1,197 |
| Equity capital to assets | 11.0457% | 2,591 |
| Core capital (leverage) ratio | 11.8134% | 1,830 |
| Tier 1 risk-based capital ratio | 15.1275% | 2,810 |
| Total risk-based capital ratio | 16.1824% | 2,829 |
| Memoranda: | ||
| Average total assets | $416,395,000 | 1,653 |
| Average earning assets | $379,491,000 | 1,689 |
| Average equity | $44,694,000 | 1,683 |
| Average total loans | $303,698,000 | 1,581 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7166% | 1,271 |
| Cost of funding earning assets | 0.3729% | 3,798 |
| Net interest margin | 4.3437% | 870 |
| Noninterest income to average assets | 1.6437% | 364 |
| Noninterest expense to average assets | 5.0377% | 216 |
| Loan and lease loss provision to assets | -0.0094% | 5,407 |
| Net operating income to assets | 0.5876% | 4,458 |
| Return on assets (ROA) | 0.5876% | 4,466 |
| Pretax return on assets | 0.5876% | 4,715 |
| Return on Equity (ROE) | 5.5503% | 4,302 |
| Retained earnings to average equity (ytd only) | 0.0357% | 4,799 |
| Net charge-offs to loans | -0.0052% | 4,021 |
| Credit loss provision to net charge-offs | 250.0000% | 905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7056% | 457 |
| Assets per employee ($millions) | 2.4979% | 5,396 |
| Cash dividends to net income (ytd only)* | 99.3569% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 3,145 |
| Loan loss allowance to noncurrent loans | 569.6574% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 2,761 |
| Noncurrent loans to loans | 0.2000% | 4,072 |
| Net loans and leases to total assets | 72.1879% | 2,142 |
| Net loans and leases to deposits | 81.1852% | 2,671 |
| Net loans and leases to core deposits | 85.7645% | 2,822 |
| Total domestic deposits to total assets | 88.9176% | 1,136 |
| Equity capital to assets | 10.5622% | 3,011 |
| Core capital (leverage) ratio | 11.4570% | 2,044 |
| Tier 1 risk-based capital ratio | 14.8303% | 2,964 |
| Total risk-based capital ratio | 15.9042% | 2,958 |
| Memoranda: | ||
| Average total assets | $423,445,500 | 1,640 |
| Average earning assets | $387,229,000 | 1,661 |
| Average equity | $44,826,500 | 1,681 |
| Average total loans | $307,450,500 | 1,570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6484% | 1,313 |
| Cost of funding earning assets | 0.3518% | 3,701 |
| Net interest margin | 4.2966% | 969 |
| Noninterest income to average assets | 1.4447% | 509 |
| Noninterest expense to average assets | 4.7284% | 263 |
| Loan and lease loss provision to assets | 0.0012% | 4,215 |
| Net operating income to assets | 0.6423% | 3,843 |
| Return on assets (ROA) | 0.7023% | 3,650 |
| Pretax return on assets | 0.7023% | 4,505 |
| Return on Equity (ROE) | 6.7341% | 3,419 |
| Retained earnings to average equity (ytd only) | 0.6930% | 4,763 |
| Net charge-offs to loans | 0.0185% | 3,482 |
| Credit loss provision to net charge-offs | 8.6207% | 3,673 |
| Earnings coverage of net charge-offs (x) | 47.8966% | 1,120 |
| Efficiency ratio | 87.9565% | 535 |
| Assets per employee ($millions) | 2.5280% | 5,448 |
| Cash dividends to net income (ytd only)* | 89.7098% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,154 |
| Loan loss allowance to noncurrent loans | 238.6085% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7190% | 2,174 |
| Noncurrent loans to loans | 0.4753% | 3,085 |
| Net loans and leases to total assets | 71.3823% | 2,323 |
| Net loans and leases to deposits | 81.9900% | 2,717 |
| Net loans and leases to core deposits | 88.4151% | 2,691 |
| Total domestic deposits to total assets | 87.0622% | 1,963 |
| Equity capital to assets | 10.6096% | 3,040 |
| Core capital (leverage) ratio | 11.2554% | 2,123 |
| Tier 1 risk-based capital ratio | 14.9250% | 2,881 |
| Total risk-based capital ratio | 16.0065% | 2,893 |
| Memoranda: | ||
| Average total assets | $431,715,000 | 1,606 |
| Average earning assets | $394,586,800 | 1,615 |
| Average equity | $45,024,800 | 1,659 |
| Average total loans | $313,681,400 | 1,512 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 1,273 |
| Cost of funding earning assets | 0.3424% | 3,743 |
| Net interest margin | 4.2978% | 930 |
| Noninterest income to average assets | 1.4444% | 514 |
| Noninterest expense to average assets | 4.6178% | 288 |
| Loan and lease loss provision to assets | -0.0123% | 5,461 |
| Net operating income to assets | 0.7636% | 3,676 |
| Return on assets (ROA) | 0.8453% | 3,341 |
| Pretax return on assets | 0.8453% | 4,226 |
| Return on Equity (ROE) | 8.1394% | 3,055 |
| Retained earnings to average equity (ytd only) | 1.7115% | 4,741 |
| Net charge-offs to loans | 0.0207% | 3,074 |
| Credit loss provision to net charge-offs | -81.6327% | 4,492 |
| Earnings coverage of net charge-offs (x) | 49.7768% | 1,116 |
| Efficiency ratio | 86.0069% | 632 |
| Assets per employee ($millions) | 2.6622% | 5,457 |
| Cash dividends to net income (ytd only)* | 78.9722% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,328 |
| Loan loss allowance to noncurrent loans | 280.7786% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 2,523 |
| Noncurrent loans to loans | 0.4016% | 3,503 |
| Net loans and leases to total assets | 68.6954% | 2,742 |
| Net loans and leases to deposits | 76.9440% | 3,276 |
| Net loans and leases to core deposits | 85.5521% | 3,004 |
| Total domestic deposits to total assets | 89.2797% | 752 |
| Equity capital to assets | 10.2410% | 3,650 |
| Core capital (leverage) ratio | 11.3322% | 2,155 |
| Tier 1 risk-based capital ratio | 14.9753% | 2,929 |
| Total risk-based capital ratio | 16.0438% | 2,949 |
| Memoranda: | ||
| Average total assets | $432,834,750 | 1,609 |
| Average earning assets | $395,264,500 | 1,621 |
| Average equity | $44,949,000 | 1,678 |
| Average total loans | $314,984,500 | 1,511 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,156 |
| Cost of funding earning assets | 0.3290% | 3,805 |
| Net interest margin | 4.3225% | 811 |
| Noninterest income to average assets | 1.3150% | 605 |
| Noninterest expense to average assets | 4.5481% | 304 |
| Loan and lease loss provision to assets | 0.0042% | 3,821 |
| Net operating income to assets | 0.7064% | 3,819 |
| Return on assets (ROA) | 0.7529% | 3,681 |
| Pretax return on assets | 0.7529% | 4,424 |
| Return on Equity (ROE) | 7.2158% | 3,444 |
| Retained earnings to average equity (ytd only) | 0.9767% | 4,844 |
| Net charge-offs to loans | 0.0101% | 3,105 |
| Credit loss provision to net charge-offs | 56.2500% | 2,491 |
| Earnings coverage of net charge-offs (x) | 95.4375% | 678 |
| Efficiency ratio | 86.4879% | 656 |
| Assets per employee ($millions) | 2.6158% | 5,504 |
| Cash dividends to net income (ytd only)* | 86.4648% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,538 |
| Loan loss allowance to noncurrent loans | 313.4394% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 1,688 |
| Noncurrent loans to loans | 0.3535% | 3,765 |
| Net loans and leases to total assets | 73.7533% | 1,918 |
| Net loans and leases to deposits | 82.7693% | 2,622 |
| Net loans and leases to core deposits | 92.4580% | 2,296 |
| Total domestic deposits to total assets | 89.1072% | 907 |
| Equity capital to assets | 10.5017% | 3,342 |
| Core capital (leverage) ratio | 11.0630% | 2,347 |
| Tier 1 risk-based capital ratio | 14.2929% | 3,267 |
| Total risk-based capital ratio | 15.3449% | 3,291 |
| Memoranda: | ||
| Average total assets | $429,803,330 | 1,620 |
| Average earning assets | $392,135,000 | 1,635 |
| Average equity | $44,846,000 | 1,682 |
| Average total loans | $317,630,330 | 1,496 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5543% | 1,246 |
| Cost of funding earning assets | 0.2970% | 4,074 |
| Net interest margin | 4.2573% | 875 |
| Noninterest income to average assets | 1.3528% | 571 |
| Noninterest expense to average assets | 4.4415% | 350 |
| Loan and lease loss provision to assets | -0.0298% | 5,685 |
| Net operating income to assets | 0.8191% | 3,129 |
| Return on assets (ROA) | 0.8191% | 3,187 |
| Pretax return on assets | 0.8191% | 4,043 |
| Return on Equity (ROE) | 7.8760% | 2,982 |
| Retained earnings to average equity (ytd only) | 2.9859% | 3,917 |
| Net charge-offs to loans | 0.0253% | 2,252 |
| Credit loss provision to net charge-offs | -160.0000% | 4,011 |
| Earnings coverage of net charge-offs (x) | 42.4500% | 991 |
| Efficiency ratio | 84.9093% | 896 |
| Assets per employee ($millions) | 2.6583% | 5,568 |
| Cash dividends to net income (ytd only)* | 62.0885% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 3,655 |
| Loan loss allowance to noncurrent loans | 183.4819% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 1.2217% | 1,428 |
| Noncurrent loans to loans | 0.6052% | 3,007 |
| Net loans and leases to total assets | 70.6096% | 2,279 |
| Net loans and leases to deposits | 78.9403% | 2,867 |
| Net loans and leases to core deposits | 87.8969% | 2,560 |
| Total domestic deposits to total assets | 89.4467% | 927 |
| Equity capital to assets | 10.1825% | 3,526 |
| Core capital (leverage) ratio | 11.1592% | 2,227 |
| Tier 1 risk-based capital ratio | 14.6000% | 3,156 |
| Total risk-based capital ratio | 15.6583% | 3,179 |
| Memoranda: | ||
| Average total assets | $430,211,000 | 1,636 |
| Average earning assets | $391,895,500 | 1,649 |
| Average equity | $44,743,500 | 1,693 |
| Average total loans | $316,476,500 | 1,507 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6250% | 1,224 |
| Cost of funding earning assets | 0.2177% | 4,860 |
| Net interest margin | 4.4073% | 764 |
| Noninterest income to average assets | 1.7125% | 413 |
| Noninterest expense to average assets | 4.8612% | 280 |
| Loan and lease loss provision to assets | 0.2422% | 875 |
| Net operating income to assets | 0.6409% | 4,039 |
| Return on assets (ROA) | 2.3424% | 190 |
| Pretax return on assets | 2.3424% | 254 |
| Return on Equity (ROE) | 19.5108% | 232 |
| Retained earnings to average equity (ytd only) | 0.9757% | 4,934 |
| Net charge-offs to loans | 0.6828% | 320 |
| Credit loss provision to net charge-offs | 48.5851% | 3,397 |
| Earnings coverage of net charge-offs (x) | 1.7717% | 3,945 |
| Efficiency ratio | 84.5888% | 954 |
| Assets per employee ($millions) | 2.4089% | 5,704 |
| Cash dividends to net income (ytd only)* | 94.9990% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 3,615 |
| Loan loss allowance to noncurrent loans | 467.8524% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 1.0514% | 1,795 |
| Noncurrent loans to loans | 0.2388% | 4,293 |
| Net loans and leases to total assets | 74.9906% | 1,694 |
| Net loans and leases to deposits | 85.7654% | 2,210 |
| Net loans and leases to core deposits | 93.9458% | 2,114 |
| Total domestic deposits to total assets | 87.4368% | 1,913 |
| Equity capital to assets | 10.6297% | 3,001 |
| Core capital (leverage) ratio | 11.7184% | 1,780 |
| Tier 1 risk-based capital ratio | 14.4865% | 3,202 |
| Total risk-based capital ratio | 15.5609% | 3,206 |
| Memoranda: | ||
| Average total assets | $418,287,600 | 1,621 |
| Average earning assets | $382,659,800 | 1,628 |
| Average equity | $50,218,400 | 1,514 |
| Average total loans | $305,378,400 | 1,496 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 1,324 |
| Cost of funding earning assets | 0.2080% | 4,988 |
| Net interest margin | 4.3757% | 811 |
| Noninterest income to average assets | 1.8334% | 399 |
| Noninterest expense to average assets | 4.9043% | 285 |
| Loan and lease loss provision to assets | 0.2580% | 715 |
| Net operating income to assets | 0.6834% | 3,942 |
| Return on assets (ROA) | 0.7019% | 3,969 |
| Pretax return on assets | 0.7019% | 4,606 |
| Return on Equity (ROE) | 5.6834% | 4,225 |
| Retained earnings to average equity (ytd only) | 1.2291% | 5,016 |
| Net charge-offs to loans | 0.0984% | 1,964 |
| Credit loss provision to net charge-offs | 362.7803% | 905 |
| Earnings coverage of net charge-offs (x) | 13.2375% | 2,326 |
| Efficiency ratio | 83.8789% | 1,003 |
| Assets per employee ($millions) | 2.4279% | 5,762 |
| Cash dividends to net income (ytd only)* | 78.3735% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6727% | 1,279 |
| Loan loss allowance to noncurrent loans | 85.7449% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.5352% | 1,154 |
| Noncurrent loans to loans | 1.9508% | 1,017 |
| Net loans and leases to total assets | 72.0669% | 2,184 |
| Net loans and leases to deposits | 82.6316% | 2,649 |
| Net loans and leases to core deposits | 86.8040% | 2,871 |
| Total domestic deposits to total assets | 87.2147% | 1,795 |
| Equity capital to assets | 12.3416% | 1,871 |
| Core capital (leverage) ratio | 11.9157% | 1,734 |
| Tier 1 risk-based capital ratio | 14.3942% | 3,335 |
| Total risk-based capital ratio | 15.6480% | 3,265 |
| Memoranda: | ||
| Average total assets | $418,073,000 | 1,623 |
| Average earning assets | $383,353,250 | 1,633 |
| Average equity | $51,634,500 | 1,489 |
| Average total loans | $302,255,250 | 1,513 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,304 |
| Cost of funding earning assets | 0.2037% | 5,106 |
| Net interest margin | 4.3768% | 800 |
| Noninterest income to average assets | 1.7629% | 411 |
| Noninterest expense to average assets | 4.9601% | 275 |
| Loan and lease loss provision to assets | 0.1751% | 1,255 |
| Net operating income to assets | 0.6489% | 4,043 |
| Return on assets (ROA) | 0.6657% | 4,116 |
| Pretax return on assets | 0.6657% | 4,729 |
| Return on Equity (ROE) | 5.3887% | 4,340 |
| Retained earnings to average equity (ytd only) | 1.1486% | 4,923 |
| Net charge-offs to loans | 0.1303% | 1,549 |
| Credit loss provision to net charge-offs | 186.6667% | 1,366 |
| Earnings coverage of net charge-offs (x) | 8.7846% | 2,485 |
| Efficiency ratio | 85.7297% | 906 |
| Assets per employee ($millions) | 2.2292% | 5,886 |
| Cash dividends to net income (ytd only)* | 78.6850% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,644 |
| Loan loss allowance to noncurrent loans | 71.5587% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.6888% | 1,066 |
| Noncurrent loans to loans | 2.1825% | 865 |
| Net loans and leases to total assets | 73.6503% | 1,908 |
| Net loans and leases to deposits | 84.6654% | 2,390 |
| Net loans and leases to core deposits | 87.8042% | 2,743 |
| Total domestic deposits to total assets | 86.9899% | 1,921 |
| Equity capital to assets | 12.5550% | 1,736 |
| Core capital (leverage) ratio | 11.7669% | 1,801 |
| Tier 1 risk-based capital ratio | 14.5723% | 3,280 |
| Total risk-based capital ratio | 15.8248% | 3,210 |
| Memoranda: | ||
| Average total assets | $415,801,670 | 1,630 |
| Average earning assets | $382,011,670 | 1,636 |
| Average equity | $51,366,670 | 1,503 |
| Average total loans | $299,203,000 | 1,523 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 1,361 |
| Cost of funding earning assets | 0.2000% | 5,205 |
| Net interest margin | 4.3592% | 815 |
| Noninterest income to average assets | 1.8671% | 375 |
| Noninterest expense to average assets | 4.8599% | 294 |
| Loan and lease loss provision to assets | 0.2867% | 568 |
| Net operating income to assets | 0.7396% | 3,539 |
| Return on assets (ROA) | 0.7702% | 3,500 |
| Pretax return on assets | 0.7702% | 4,304 |
| Return on Equity (ROE) | 6.2845% | 3,842 |
| Retained earnings to average equity (ytd only) | 3.3294% | 3,831 |
| Net charge-offs to loans | 0.1557% | 1,192 |
| Credit loss provision to net charge-offs | 260.8696% | 926 |
| Earnings coverage of net charge-offs (x) | 9.3391% | 1,990 |
| Efficiency ratio | 82.5162% | 1,324 |
| Assets per employee ($millions) | 2.4089% | 5,892 |
| Cash dividends to net income (ytd only)* | 47.0223% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5792% | 1,681 |
| Loan loss allowance to noncurrent loans | 79.3923% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4866% | 1,378 |
| Noncurrent loans to loans | 1.9891% | 1,084 |
| Net loans and leases to total assets | 71.0790% | 2,178 |
| Net loans and leases to deposits | 81.4122% | 2,613 |
| Net loans and leases to core deposits | 85.6819% | 2,778 |
| Total domestic deposits to total assets | 87.3075% | 2,046 |
| Equity capital to assets | 12.2842% | 1,839 |
| Core capital (leverage) ratio | 11.5838% | 1,917 |
| Tier 1 risk-based capital ratio | 14.7669% | 3,256 |
| Total risk-based capital ratio | 16.0197% | 3,193 |
| Memoranda: | ||
| Average total assets | $418,612,500 | 1,619 |
| Average earning assets | $385,944,500 | 1,624 |
| Average equity | $51,301,000 | 1,497 |
| Average total loans | $295,358,500 | 1,540 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7723% | 970 |
| Cost of funding earning assets | 0.1967% | 5,312 |
| Net interest margin | 4.5756% | 574 |
| Noninterest income to average assets | 1.7748% | 423 |
| Noninterest expense to average assets | 4.8206% | 319 |
| Loan and lease loss provision to assets | 0.3952% | 352 |
| Net operating income to assets | 0.7505% | 3,565 |
| Return on assets (ROA) | 0.7722% | 3,533 |
| Pretax return on assets | 0.7722% | 4,289 |
| Return on Equity (ROE) | 6.4266% | 3,829 |
| Retained earnings to average equity (ytd only) | -1.1238% | 5,675 |
| Net charge-offs to loans | 0.0489% | 3,224 |
| Credit loss provision to net charge-offs | 1,279.8507% | 263 |
| Earnings coverage of net charge-offs (x) | 37.1045% | 1,245 |
| Efficiency ratio | 80.7972% | 1,568 |
| Assets per employee ($millions) | 2.3889% | 5,938 |
| Cash dividends to net income (ytd only)* | 117.4873% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 1,569 |
| Loan loss allowance to noncurrent loans | 72.5404% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 1,252 |
| Noncurrent loans to loans | 2.2263% | 884 |
| Net loans and leases to total assets | 67.7578% | 2,739 |
| Net loans and leases to deposits | 77.5858% | 3,091 |
| Net loans and leases to core deposits | 81.7206% | 3,177 |
| Total domestic deposits to total assets | 87.3327% | 1,966 |
| Equity capital to assets | 12.2254% | 1,793 |
| Core capital (leverage) ratio | 11.2736% | 2,138 |
| Tier 1 risk-based capital ratio | 15.3747% | 3,004 |
| Total risk-based capital ratio | 16.6278% | 2,937 |
| Memoranda: | ||
| Average total assets | $433,969,000 | 1,535 |
| Average earning assets | $397,545,600 | 1,538 |
| Average equity | $52,142,600 | 1,427 |
| Average total loans | $274,300,400 | 1,596 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 770 |
| Cost of funding earning assets | 0.1957% | 5,412 |
| Net interest margin | 4.6994% | 455 |
| Noninterest income to average assets | 1.8485% | 401 |
| Noninterest expense to average assets | 4.8222% | 329 |
| Loan and lease loss provision to assets | 0.0912% | 2,346 |
| Net operating income to assets | 1.2344% | 1,542 |
| Return on assets (ROA) | 1.2599% | 1,515 |
| Pretax return on assets | 1.2599% | 2,556 |
| Return on Equity (ROE) | 10.5294% | 1,892 |
| Retained earnings to average equity (ytd only) | 1.2857% | 5,203 |
| Net charge-offs to loans | 0.0270% | 3,401 |
| Credit loss provision to net charge-offs | 545.4545% | 607 |
| Earnings coverage of net charge-offs (x) | 79.2744% | 748 |
| Efficiency ratio | 78.4383% | 1,897 |
| Assets per employee ($millions) | 2.4627% | 5,977 |
| Cash dividends to net income (ytd only)* | 87.7896% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 3,787 |
| Loan loss allowance to noncurrent loans | 630.9021% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 4,716 |
| Noncurrent loans to loans | 0.1864% | 4,903 |
| Net loans and leases to total assets | 63.0082% | 3,456 |
| Net loans and leases to deposits | 72.0237% | 3,766 |
| Net loans and leases to core deposits | 75.8449% | 3,823 |
| Total domestic deposits to total assets | 87.4827% | 1,810 |
| Equity capital to assets | 12.1339% | 2,010 |
| Core capital (leverage) ratio | 11.4251% | 2,104 |
| Tier 1 risk-based capital ratio | 15.6265% | 2,986 |
| Total risk-based capital ratio | 16.6837% | 3,009 |
| Memoranda: | ||
| Average total assets | $438,546,250 | 1,532 |
| Average earning assets | $401,207,750 | 1,537 |
| Average equity | $52,474,250 | 1,426 |
| Average total loans | $271,309,250 | 1,621 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5580% | 1,384 |
| Cost of funding earning assets | 0.1965% | 5,469 |
| Net interest margin | 4.3615% | 815 |
| Noninterest income to average assets | 1.7337% | 451 |
| Noninterest expense to average assets | 4.8385% | 324 |
| Loan and lease loss provision to assets | 0.0693% | 2,726 |
| Net operating income to assets | 0.8240% | 3,253 |
| Return on assets (ROA) | 0.8203% | 3,380 |
| Pretax return on assets | 0.8203% | 4,251 |
| Return on Equity (ROE) | 6.8881% | 3,681 |
| Retained earnings to average equity (ytd only) | 0.7160% | 5,270 |
| Net charge-offs to loans | 0.0052% | 3,714 |
| Credit loss provision to net charge-offs | 2,171.4286% | 183 |
| Earnings coverage of net charge-offs (x) | 279.8571% | 245 |
| Efficiency ratio | 84.4153% | 1,216 |
| Assets per employee ($millions) | 2.4709% | 6,048 |
| Cash dividends to net income (ytd only)* | 89.6053% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 4,085 |
| Loan loss allowance to noncurrent loans | 373.6225% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 4,746 |
| Noncurrent loans to loans | 0.3075% | 4,590 |
| Net loans and leases to total assets | 62.6999% | 3,447 |
| Net loans and leases to deposits | 71.7780% | 3,739 |
| Net loans and leases to core deposits | 75.7234% | 3,798 |
| Total domestic deposits to total assets | 87.3526% | 1,987 |
| Equity capital to assets | 12.0511% | 1,981 |
| Core capital (leverage) ratio | 11.1057% | 2,326 |
| Tier 1 risk-based capital ratio | 15.4895% | 3,111 |
| Total risk-based capital ratio | 16.5122% | 3,156 |
| Memoranda: | ||
| Average total assets | $438,605,670 | 1,539 |
| Average earning assets | $402,060,330 | 1,545 |
| Average equity | $52,235,330 | 1,444 |
| Average total loans | $268,580,670 | 1,635 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 1,697 |
| Cost of funding earning assets | 0.1939% | 5,564 |
| Net interest margin | 4.2252% | 1,013 |
| Noninterest income to average assets | 1.7440% | 432 |
| Noninterest expense to average assets | 4.6481% | 389 |
| Loan and lease loss provision to assets | 0.0619% | 2,694 |
| Net operating income to assets | 0.9034% | 2,729 |
| Return on assets (ROA) | 0.9034% | 2,853 |
| Pretax return on assets | 0.9034% | 3,878 |
| Return on Equity (ROE) | 7.6308% | 3,148 |
| Retained earnings to average equity (ytd only) | 3.4077% | 3,938 |
| Net charge-offs to loans | -0.0030% | 4,396 |
| Credit loss provision to net charge-offs | -3,400.0000% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8034% | 1,520 |
| Assets per employee ($millions) | 2.5592% | 6,069 |
| Cash dividends to net income (ytd only)* | 55.3427% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 4,205 |
| Loan loss allowance to noncurrent loans | 562.7486% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.2565% | 4,918 |
| Noncurrent loans to loans | 0.2061% | 5,041 |
| Net loans and leases to total assets | 59.2220% | 3,765 |
| Net loans and leases to deposits | 67.4936% | 4,004 |
| Net loans and leases to core deposits | 71.0499% | 4,058 |
| Total domestic deposits to total assets | 87.7445% | 1,958 |
| Equity capital to assets | 11.7292% | 2,259 |
| Core capital (leverage) ratio | 10.9760% | 2,436 |
| Tier 1 risk-based capital ratio | 16.1998% | 2,821 |
| Total risk-based capital ratio | 17.2387% | 2,862 |
| Memoranda: | ||
| Average total assets | $439,232,000 | 1,554 |
| Average earning assets | $402,251,500 | 1,551 |
| Average equity | $52,000,000 | 1,455 |
| Average total loans | $264,167,500 | 1,659 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 1,975 |
| Cost of funding earning assets | 0.2087% | 5,677 |
| Net interest margin | 4.2653% | 1,125 |
| Noninterest income to average assets | 1.6115% | 484 |
| Noninterest expense to average assets | 4.6169% | 418 |
| Loan and lease loss provision to assets | 0.0100% | 4,427 |
| Net operating income to assets | 0.8991% | 2,874 |
| Return on assets (ROA) | 0.9106% | 2,916 |
| Pretax return on assets | 0.9106% | 3,868 |
| Return on Equity (ROE) | 7.6943% | 3,277 |
| Retained earnings to average equity (ytd only) | -7.9347% | 6,270 |
| Net charge-offs to loans | 0.1188% | 2,851 |
| Credit loss provision to net charge-offs | 14.0673% | 4,055 |
| Earnings coverage of net charge-offs (x) | 12.8043% | 2,338 |
| Efficiency ratio | 83.5488% | 1,466 |
| Assets per employee ($millions) | 2.5479% | 6,135 |
| Cash dividends to net income (ytd only)* | 203.1235% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 4,166 |
| Loan loss allowance to noncurrent loans | 269.7695% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 4,365 |
| Noncurrent loans to loans | 0.4339% | 4,345 |
| Net loans and leases to total assets | 59.6717% | 3,829 |
| Net loans and leases to deposits | 68.2896% | 4,098 |
| Net loans and leases to core deposits | 72.4287% | 4,082 |
| Total domestic deposits to total assets | 87.3803% | 2,093 |
| Equity capital to assets | 11.9529% | 2,047 |
| Core capital (leverage) ratio | 10.8548% | 2,552 |
| Tier 1 risk-based capital ratio | 17.0039% | 2,514 |
| Total risk-based capital ratio | 18.0801% | 2,534 |
| Memoranda: | ||
| Average total assets | $460,565,400 | 1,450 |
| Average earning assets | $422,689,400 | 1,448 |
| Average equity | $54,507,600 | 1,339 |
| Average total loans | $275,184,200 | 1,545 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4863% | 1,925 |
| Cost of funding earning assets | 0.2103% | 5,749 |
| Net interest margin | 4.2760% | 1,098 |
| Noninterest income to average assets | 1.4422% | 607 |
| Noninterest expense to average assets | 4.4065% | 504 |
| Loan and lease loss provision to assets | 0.0222% | 3,965 |
| Net operating income to assets | 0.9397% | 2,732 |
| Return on assets (ROA) | 0.9543% | 2,747 |
| Pretax return on assets | 0.9543% | 3,779 |
| Return on Equity (ROE) | 8.0817% | 3,159 |
| Retained earnings to average equity (ytd only) | 1.0518% | 5,463 |
| Net charge-offs to loans | 0.0937% | 2,873 |
| Credit loss provision to net charge-offs | 39.7959% | 3,292 |
| Earnings coverage of net charge-offs (x) | 17.2294% | 1,919 |
| Efficiency ratio | 82.0811% | 1,611 |
| Assets per employee ($millions) | 2.6361% | 6,130 |
| Cash dividends to net income (ytd only)* | 86.9851% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1935% | 4,268 |
| Loan loss allowance to noncurrent loans | 175.3829% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.5614% | 4,174 |
| Noncurrent loans to loans | 0.6805% | 3,906 |
| Net loans and leases to total assets | 57.8658% | 4,091 |
| Net loans and leases to deposits | 66.1400% | 4,313 |
| Net loans and leases to core deposits | 70.0899% | 4,311 |
| Total domestic deposits to total assets | 87.4899% | 2,034 |
| Equity capital to assets | 12.1033% | 1,974 |
| Core capital (leverage) ratio | 11.7407% | 1,873 |
| Tier 1 risk-based capital ratio | 18.3182% | 2,112 |
| Total risk-based capital ratio | 19.4296% | 2,114 |
| Memoranda: | ||
| Average total assets | $468,057,250 | 1,443 |
| Average earning assets | $429,768,000 | 1,439 |
| Average equity | $55,267,250 | 1,326 |
| Average total loans | $278,983,250 | 1,536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 1,670 |
| Cost of funding earning assets | 0.2145% | 5,792 |
| Net interest margin | 4.3331% | 966 |
| Noninterest income to average assets | 1.3392% | 670 |
| Noninterest expense to average assets | 4.4013% | 498 |
| Loan and lease loss provision to assets | 0.0811% | 2,677 |
| Net operating income to assets | 0.8438% | 3,109 |
| Return on assets (ROA) | 0.8438% | 3,208 |
| Pretax return on assets | 0.8438% | 4,107 |
| Return on Equity (ROE) | 7.2049% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.3159% | 4,725 |
| Net charge-offs to loans | 0.1105% | 2,561 |
| Credit loss provision to net charge-offs | 122.4359% | 1,700 |
| Earnings coverage of net charge-offs (x) | 13.9679% | 1,942 |
| Efficiency ratio | 82.6347% | 1,674 |
| Assets per employee ($millions) | 2.6975% | 6,137 |
| Cash dividends to net income (ytd only)* | 67.8571% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 4,443 |
| Loan loss allowance to noncurrent loans | 297.1681% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 4,792 |
| Noncurrent loans to loans | 0.4023% | 4,781 |
| Net loans and leases to total assets | 59.8147% | 3,750 |
| Net loans and leases to deposits | 68.3141% | 4,017 |
| Net loans and leases to core deposits | 72.9000% | 3,952 |
| Total domestic deposits to total assets | 87.5584% | 2,165 |
| Equity capital to assets | 12.0521% | 1,940 |
| Core capital (leverage) ratio | 11.5766% | 1,943 |
| Tier 1 risk-based capital ratio | 17.7378% | 2,336 |
| Total risk-based capital ratio | 18.8606% | 2,350 |
| Memoranda: | ||
| Average total assets | $471,184,000 | 1,421 |
| Average earning assets | $433,550,000 | 1,424 |
| Average equity | $55,184,670 | 1,313 |
| Average total loans | $282,436,670 | 1,511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 2,016 |
| Cost of funding earning assets | 0.2175% | 5,865 |
| Net interest margin | 4.2139% | 1,178 |
| Noninterest income to average assets | 1.1466% | 848 |
| Noninterest expense to average assets | 4.4727% | 468 |
| Loan and lease loss provision to assets | 0.1677% | 1,445 |
| Net operating income to assets | 0.3741% | 5,209 |
| Return on assets (ROA) | 0.3741% | 5,280 |
| Pretax return on assets | 0.3741% | 5,529 |
| Return on Equity (ROE) | 3.2398% | 5,370 |
| Retained earnings to average equity (ytd only) | -1.4448% | 5,789 |
| Net charge-offs to loans | 0.1271% | 1,953 |
| Credit loss provision to net charge-offs | 221.1111% | 976 |
| Earnings coverage of net charge-offs (x) | 7.1444% | 2,153 |
| Efficiency ratio | 89.1969% | 1,105 |
| Assets per employee ($millions) | 2.6062% | 6,284 |
| Cash dividends to net income (ytd only)* | 144.5946% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2063% | 4,609 |
| Loan loss allowance to noncurrent loans | 182.2187% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 4,299 |
| Noncurrent loans to loans | 0.6620% | 4,212 |
| Net loans and leases to total assets | 58.9528% | 3,708 |
| Net loans and leases to deposits | 66.9036% | 3,987 |
| Net loans and leases to core deposits | 71.1813% | 3,957 |
| Total domestic deposits to total assets | 88.1160% | 2,165 |
| Equity capital to assets | 11.5093% | 2,239 |
| Core capital (leverage) ratio | 10.9441% | 2,441 |
| Tier 1 risk-based capital ratio | 17.0667% | 2,661 |
| Total risk-based capital ratio | 18.1889% | 2,671 |
| Memoranda: | ||
| Average total assets | $474,788,000 | 1,414 |
| Average earning assets | $435,793,500 | 1,417 |
| Average equity | $54,817,500 | 1,320 |
| Average total loans | $283,213,000 | 1,513 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 1,338 |
| Cost of funding earning assets | 0.2720% | 5,814 |
| Net interest margin | 4.5203% | 713 |
| Noninterest income to average assets | 1.6188% | 547 |
| Noninterest expense to average assets | 4.4003% | 571 |
| Loan and lease loss provision to assets | 0.0446% | 4,233 |
| Net operating income to assets | 1.2830% | 1,299 |
| Return on assets (ROA) | 1.2836% | 1,350 |
| Pretax return on assets | 1.2836% | 2,221 |
| Return on Equity (ROE) | 11.4422% | 1,618 |
| Retained earnings to average equity (ytd only) | 0.5709% | 5,585 |
| Net charge-offs to loans | 0.3497% | 1,934 |
| Credit loss provision to net charge-offs | 21.3800% | 4,421 |
| Earnings coverage of net charge-offs (x) | 6.3654% | 3,079 |
| Efficiency ratio | 76.7843% | 2,658 |
| Assets per employee ($millions) | 2.4363% | 6,439 |
| Cash dividends to net income (ytd only)* | 95.0103% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 4,763 |
| Loan loss allowance to noncurrent loans | 96.6269% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.4006% | 2,649 |
| Noncurrent loans to loans | 1.2202% | 3,105 |
| Net loans and leases to total assets | 58.9250% | 3,883 |
| Net loans and leases to deposits | 67.4051% | 4,132 |
| Net loans and leases to core deposits | 71.9433% | 4,081 |
| Total domestic deposits to total assets | 87.4192% | 2,513 |
| Equity capital to assets | 11.5824% | 2,112 |
| Core capital (leverage) ratio | 10.9873% | 2,396 |
| Tier 1 risk-based capital ratio | 17.8266% | 2,298 |
| Total risk-based capital ratio | 18.9569% | 2,319 |
| Memoranda: | ||
| Average total assets | $493,392,800 | 1,349 |
| Average earning assets | $448,515,000 | 1,354 |
| Average equity | $55,347,800 | 1,290 |
| Average total loans | $294,266,200 | 1,438 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8431% | 1,254 |
| Cost of funding earning assets | 0.2840% | 5,860 |
| Net interest margin | 4.5591% | 666 |
| Noninterest income to average assets | 1.3307% | 835 |
| Noninterest expense to average assets | 4.3857% | 588 |
| Loan and lease loss provision to assets | 0.0610% | 3,826 |
| Net operating income to assets | 1.0189% | 2,300 |
| Return on assets (ROA) | 1.0197% | 2,384 |
| Pretax return on assets | 1.0197% | 3,424 |
| Return on Equity (ROE) | 9.1603% | 2,564 |
| Retained earnings to average equity (ytd only) | 3.5339% | 4,181 |
| Net charge-offs to loans | 0.2869% | 2,102 |
| Credit loss provision to net charge-offs | 35.6250% | 3,795 |
| Earnings coverage of net charge-offs (x) | 6.3094% | 2,999 |
| Efficiency ratio | 80.2427% | 2,058 |
| Assets per employee ($millions) | 2.5566% | 6,421 |
| Cash dividends to net income (ytd only)* | 61.4215% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 4,467 |
| Loan loss allowance to noncurrent loans | 57.8448% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 2.0565% | 1,960 |
| Noncurrent loans to loans | 2.2230% | 1,988 |
| Net loans and leases to total assets | 58.4827% | 3,926 |
| Net loans and leases to deposits | 66.1297% | 4,291 |
| Net loans and leases to core deposits | 70.6229% | 4,251 |
| Total domestic deposits to total assets | 88.4363% | 1,870 |
| Equity capital to assets | 11.1488% | 2,621 |
| Core capital (leverage) ratio | 11.0534% | 2,428 |
| Tier 1 risk-based capital ratio | 17.6529% | 2,456 |
| Total risk-based capital ratio | 18.8792% | 2,437 |
| Memoranda: | ||
| Average total assets | $498,578,500 | 1,343 |
| Average earning assets | $452,180,000 | 1,354 |
| Average equity | $55,498,750 | 1,294 |
| Average total loans | $297,374,750 | 1,420 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 955 |
| Cost of funding earning assets | 0.2976% | 5,848 |
| Net interest margin | 4.6747% | 530 |
| Noninterest income to average assets | 1.4343% | 764 |
| Noninterest expense to average assets | 4.4358% | 556 |
| Loan and lease loss provision to assets | -0.0311% | 6,615 |
| Net operating income to assets | 1.2669% | 1,414 |
| Return on assets (ROA) | 1.2669% | 1,511 |
| Pretax return on assets | 1.2669% | 2,417 |
| Return on Equity (ROE) | 11.3873% | 1,688 |
| Retained earnings to average equity (ytd only) | 6.3919% | 2,208 |
| Net charge-offs to loans | 0.3546% | 1,779 |
| Credit loss provision to net charge-offs | -14.6617% | 5,464 |
| Earnings coverage of net charge-offs (x) | 5.8308% | 2,822 |
| Efficiency ratio | 78.2102% | 2,426 |
| Assets per employee ($millions) | 2.5781% | 6,417 |
| Cash dividends to net income (ytd only)* | 43.8679% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,002 |
| Loan loss allowance to noncurrent loans | 55.2817% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 2.3773% | 1,803 |
| Noncurrent loans to loans | 2.1681% | 2,216 |
| Net loans and leases to total assets | 59.2696% | 3,784 |
| Net loans and leases to deposits | 67.1567% | 4,125 |
| Net loans and leases to core deposits | 71.8470% | 4,063 |
| Total domestic deposits to total assets | 88.2556% | 2,073 |
| Equity capital to assets | 11.2450% | 2,526 |
| Core capital (leverage) ratio | 10.9038% | 2,450 |
| Tier 1 risk-based capital ratio | 17.3848% | 2,562 |
| Total risk-based capital ratio | 18.5216% | 2,575 |
| Memoranda: | ||
| Average total assets | $502,004,000 | 1,331 |
| Average earning assets | $455,046,000 | 1,338 |
| Average equity | $55,851,670 | 1,292 |
| Average total loans | $300,069,000 | 1,407 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 1,840 |
| Cost of funding earning assets | 0.3116% | 5,876 |
| Net interest margin | 4.2822% | 1,000 |
| Noninterest income to average assets | 1.6399% | 578 |
| Noninterest expense to average assets | 4.2835% | 638 |
| Loan and lease loss provision to assets | -0.1653% | 6,882 |
| Net operating income to assets | 1.3950% | 1,039 |
| Return on assets (ROA) | 1.3950% | 1,125 |
| Pretax return on assets | 1.3950% | 1,871 |
| Return on Equity (ROE) | 12.6040% | 1,266 |
| Retained earnings to average equity (ytd only) | 9.8371% | 1,146 |
| Net charge-offs to loans | 0.4077% | 1,434 |
| Credit loss provision to net charge-offs | -67.9612% | 5,092 |
| Earnings coverage of net charge-offs (x) | 5.0550% | 2,416 |
| Efficiency ratio | 77.6953% | 2,661 |
| Assets per employee ($millions) | 2.5878% | 6,506 |
| Cash dividends to net income (ytd only)* | 21.9526% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 5,220 |
| Loan loss allowance to noncurrent loans | 41.3671% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.5301% | 1,816 |
| Noncurrent loans to loans | 2.8780% | 1,757 |
| Net loans and leases to total assets | 58.5220% | 3,694 |
| Net loans and leases to deposits | 65.9935% | 4,056 |
| Net loans and leases to core deposits | 70.7434% | 3,977 |
| Total domestic deposits to total assets | 88.6784% | 1,882 |
| Equity capital to assets | 10.8846% | 3,093 |
| Core capital (leverage) ratio | 10.4009% | 2,901 |
| Tier 1 risk-based capital ratio | 17.0179% | 2,741 |
| Total risk-based capital ratio | 18.1679% | 2,767 |
| Memoranda: | ||
| Average total assets | $508,084,500 | 1,326 |
| Average earning assets | $459,573,000 | 1,333 |
| Average equity | $56,236,000 | 1,300 |
| Average total loans | $303,178,500 | 1,396 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 2,597 |
| Cost of funding earning assets | 0.4885% | 5,296 |
| Net interest margin | 4.2104% | 1,631 |
| Noninterest income to average assets | 1.3706% | 830 |
| Noninterest expense to average assets | 4.3971% | 627 |
| Loan and lease loss provision to assets | 0.0134% | 5,745 |
| Net operating income to assets | 0.7672% | 3,433 |
| Return on assets (ROA) | 1.0249% | 2,442 |
| Pretax return on assets | 1.0249% | 3,458 |
| Return on Equity (ROE) | 9.7006% | 2,315 |
| Retained earnings to average equity (ytd only) | 0.4866% | 5,606 |
| Net charge-offs to loans | 0.2012% | 3,768 |
| Credit loss provision to net charge-offs | 11.1975% | 5,385 |
| Earnings coverage of net charge-offs (x) | 6.5412% | 2,797 |
| Efficiency ratio | 84.8950% | 1,525 |
| Assets per employee ($millions) | 2.4220% | 6,683 |
| Cash dividends to net income (ytd only)* | 94.9837% | 592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 4,332 |
| Loan loss allowance to noncurrent loans | 43.3624% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 2.8060% | 1,706 |
| Noncurrent loans to loans | 3.1461% | 1,637 |
| Net loans and leases to total assets | 59.3020% | 3,724 |
| Net loans and leases to deposits | 67.1844% | 4,107 |
| Net loans and leases to core deposits | 72.0393% | 4,042 |
| Total domestic deposits to total assets | 88.2676% | 2,052 |
| Equity capital to assets | 11.2550% | 2,682 |
| Core capital (leverage) ratio | 10.2520% | 3,074 |
| Tier 1 risk-based capital ratio | 16.7627% | 2,763 |
| Total risk-based capital ratio | 18.0064% | 2,736 |
| Memoranda: | ||
| Average total assets | $538,810,200 | 1,241 |
| Average earning assets | $487,197,600 | 1,252 |
| Average equity | $56,924,400 | 1,250 |
| Average total loans | $319,515,800 | 1,318 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 2,877 |
| Cost of funding earning assets | 0.5289% | 5,256 |
| Net interest margin | 4.1533% | 1,889 |
| Noninterest income to average assets | 1.4885% | 675 |
| Noninterest expense to average assets | 4.4993% | 541 |
| Loan and lease loss provision to assets | -0.0881% | 7,027 |
| Net operating income to assets | 0.8422% | 3,244 |
| Return on assets (ROA) | 1.1788% | 1,997 |
| Pretax return on assets | 1.1788% | 3,068 |
| Return on Equity (ROE) | 11.3276% | 1,846 |
| Retained earnings to average equity (ytd only) | 1.0623% | 5,745 |
| Net charge-offs to loans | 0.0634% | 4,786 |
| Credit loss provision to net charge-offs | -235.0649% | 6,351 |
| Earnings coverage of net charge-offs (x) | 20.1102% | 1,460 |
| Efficiency ratio | 85.6083% | 1,420 |
| Assets per employee ($millions) | 2.6454% | 6,555 |
| Cash dividends to net income (ytd only)* | 90.6218% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,556 |
| Loan loss allowance to noncurrent loans | 48.8736% | 5,187 |
| Noncurrent assets plus other real estate owned to assets | 2.8467% | 1,846 |
| Noncurrent loans to loans | 2.7735% | 2,029 |
| Net loans and leases to total assets | 58.1726% | 4,105 |
| Net loans and leases to deposits | 65.5830% | 4,524 |
| Net loans and leases to core deposits | 70.5348% | 4,430 |
| Total domestic deposits to total assets | 88.7008% | 1,596 |
| Equity capital to assets | 10.8447% | 3,448 |
| Core capital (leverage) ratio | 10.0775% | 3,432 |
| Tier 1 risk-based capital ratio | 16.4023% | 3,059 |
| Total risk-based capital ratio | 17.6531% | 3,025 |
| Memoranda: | ||
| Average total assets | $547,568,500 | 1,241 |
| Average earning assets | $496,361,750 | 1,238 |
| Average equity | $56,980,500 | 1,255 |
| Average total loans | $323,674,250 | 1,313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 2,949 |
| Cost of funding earning assets | 0.5707% | 5,143 |
| Net interest margin | 4.1210% | 2,007 |
| Noninterest income to average assets | 1.8459% | 452 |
| Noninterest expense to average assets | 4.2838% | 660 |
| Loan and lease loss provision to assets | -0.0972% | 7,108 |
| Net operating income to assets | 1.4034% | 1,190 |
| Return on assets (ROA) | 1.4232% | 1,274 |
| Pretax return on assets | 1.4232% | 2,118 |
| Return on Equity (ROE) | 13.8606% | 1,154 |
| Retained earnings to average equity (ytd only) | 0.4734% | 5,880 |
| Net charge-offs to loans | 0.0517% | 4,683 |
| Credit loss provision to net charge-offs | -317.6471% | 6,217 |
| Earnings coverage of net charge-offs (x) | 42.6824% | 833 |
| Efficiency ratio | 76.5877% | 2,656 |
| Assets per employee ($millions) | 2.7789% | 6,436 |
| Cash dividends to net income (ytd only)* | 96.5849% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 4,658 |
| Loan loss allowance to noncurrent loans | 51.0329% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 2.9416% | 1,876 |
| Noncurrent loans to loans | 2.6514% | 2,267 |
| Net loans and leases to total assets | 58.8009% | 4,020 |
| Net loans and leases to deposits | 67.5947% | 4,270 |
| Net loans and leases to core deposits | 74.2482% | 3,993 |
| Total domestic deposits to total assets | 86.9904% | 2,766 |
| Equity capital to assets | 10.6704% | 3,489 |
| Core capital (leverage) ratio | 9.4964% | 4,146 |
| Tier 1 risk-based capital ratio | 15.6842% | 3,343 |
| Total risk-based capital ratio | 16.9350% | 3,304 |
| Memoranda: | ||
| Average total assets | $555,492,670 | 1,217 |
| Average earning assets | $504,682,000 | 1,216 |
| Average equity | $57,039,330 | 1,253 |
| Average total loans | $328,601,330 | 1,293 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 2,973 |
| Cost of funding earning assets | 0.5931% | 5,183 |
| Net interest margin | 4.1264% | 2,004 |
| Noninterest income to average assets | 2.2303% | 346 |
| Noninterest expense to average assets | 4.3201% | 643 |
| Loan and lease loss provision to assets | -0.0369% | 7,135 |
| Net operating income to assets | 1.6995% | 720 |
| Return on assets (ROA) | 1.7385% | 752 |
| Pretax return on assets | 1.7385% | 1,222 |
| Return on Equity (ROE) | 17.2544% | 632 |
| Retained earnings to average equity (ytd only) | -0.8310% | 6,129 |
| Net charge-offs to loans | 0.1866% | 2,985 |
| Credit loss provision to net charge-offs | -33.5484% | 5,404 |
| Earnings coverage of net charge-offs (x) | 15.1161% | 1,433 |
| Efficiency ratio | 72.1741% | 3,409 |
| Assets per employee ($millions) | 2.9413% | 6,265 |
| Cash dividends to net income (ytd only)* | 104.8163% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 4,682 |
| Loan loss allowance to noncurrent loans | 62.1853% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.6586% | 2,218 |
| Noncurrent loans to loans | 2.2236% | 2,897 |
| Net loans and leases to total assets | 56.7801% | 4,247 |
| Net loans and leases to deposits | 64.7087% | 4,532 |
| Net loans and leases to core deposits | 70.9525% | 4,297 |
| Total domestic deposits to total assets | 87.7473% | 2,498 |
| Equity capital to assets | 10.0790% | 4,028 |
| Core capital (leverage) ratio | 8.8538% | 5,060 |
| Tier 1 risk-based capital ratio | 15.3792% | 3,512 |
| Total risk-based capital ratio | 16.6302% | 3,475 |
| Memoranda: | ||
| Average total assets | $563,688,500 | 1,199 |
| Average earning assets | $512,596,500 | 1,203 |
| Average equity | $56,797,000 | 1,252 |
| Average total loans | $332,230,000 | 1,280 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 3,669 |
| Cost of funding earning assets | 0.8889% | 4,195 |
| Net interest margin | 3.9408% | 3,152 |
| Noninterest income to average assets | 1.7289% | 474 |
| Noninterest expense to average assets | 4.0666% | 939 |
| Loan and lease loss provision to assets | 0.1102% | 5,211 |
| Net operating income to assets | 1.1203% | 1,754 |
| Return on assets (ROA) | 1.1452% | 1,792 |
| Pretax return on assets | 1.1452% | 2,673 |
| Return on Equity (ROE) | 12.3603% | 1,311 |
| Retained earnings to average equity (ytd only) | 7.3775% | 1,329 |
| Net charge-offs to loans | 0.2154% | 4,442 |
| Credit loss provision to net charge-offs | 84.5222% | 4,258 |
| Earnings coverage of net charge-offs (x) | 9.4347% | 1,984 |
| Efficiency ratio | 76.6768% | 2,799 |
| Assets per employee ($millions) | 2.7854% | 6,478 |
| Cash dividends to net income (ytd only)* | 40.3127% | 2,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3861% | 4,530 |
| Loan loss allowance to noncurrent loans | 77.1490% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 2.1783% | 2,759 |
| Noncurrent loans to loans | 1.7966% | 3,475 |
| Net loans and leases to total assets | 59.4701% | 4,092 |
| Net loans and leases to deposits | 67.7540% | 4,475 |
| Net loans and leases to core deposits | 74.6805% | 4,149 |
| Total domestic deposits to total assets | 87.7735% | 2,296 |
| Equity capital to assets | 10.0729% | 4,071 |
| Core capital (leverage) ratio | 9.0140% | 4,760 |
| Tier 1 risk-based capital ratio | 14.7839% | 3,772 |
| Total risk-based capital ratio | 16.0252% | 3,753 |
| Memoranda: | ||
| Average total assets | $569,659,400 | 1,159 |
| Average earning assets | $515,804,600 | 1,165 |
| Average equity | $52,781,800 | 1,288 |
| Average total loans | $345,004,800 | 1,231 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8244% | 3,917 |
| Cost of funding earning assets | 0.9368% | 4,142 |
| Net interest margin | 3.8876% | 3,445 |
| Noninterest income to average assets | 1.7367% | 463 |
| Noninterest expense to average assets | 4.0332% | 970 |
| Loan and lease loss provision to assets | 0.0663% | 5,628 |
| Net operating income to assets | 1.1531% | 1,801 |
| Return on assets (ROA) | 1.1863% | 1,807 |
| Pretax return on assets | 1.1863% | 2,680 |
| Return on Equity (ROE) | 13.0838% | 1,256 |
| Retained earnings to average equity (ytd only) | 10.1757% | 795 |
| Net charge-offs to loans | 0.0777% | 5,191 |
| Credit loss provision to net charge-offs | 140.5941% | 2,261 |
| Earnings coverage of net charge-offs (x) | 25.8710% | 1,035 |
| Efficiency ratio | 76.6825% | 2,726 |
| Assets per employee ($millions) | 3.0171% | 6,070 |
| Cash dividends to net income (ytd only)* | 22.2266% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 4,336 |
| Loan loss allowance to noncurrent loans | 74.6155% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.0811% | 3,051 |
| Noncurrent loans to loans | 1.9428% | 3,439 |
| Net loans and leases to total assets | 55.2058% | 4,972 |
| Net loans and leases to deposits | 63.6424% | 5,217 |
| Net loans and leases to core deposits | 70.2927% | 4,914 |
| Total domestic deposits to total assets | 86.7438% | 2,798 |
| Equity capital to assets | 9.5202% | 5,052 |
| Core capital (leverage) ratio | 9.4062% | 4,297 |
| Tier 1 risk-based capital ratio | 15.8049% | 3,216 |
| Total risk-based capital ratio | 17.0571% | 3,172 |
| Memoranda: | ||
| Average total assets | $571,412,750 | 1,165 |
| Average earning assets | $516,778,250 | 1,171 |
| Average equity | $51,808,500 | 1,315 |
| Average total loans | $346,428,750 | 1,240 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8246% | 3,980 |
| Cost of funding earning assets | 0.9865% | 4,041 |
| Net interest margin | 3.8381% | 3,596 |
| Noninterest income to average assets | 1.7627% | 440 |
| Noninterest expense to average assets | 4.1138% | 900 |
| Loan and lease loss provision to assets | 0.0578% | 5,595 |
| Net operating income to assets | 1.0629% | 1,990 |
| Return on assets (ROA) | 1.0629% | 2,085 |
| Pretax return on assets | 1.0629% | 2,999 |
| Return on Equity (ROE) | 11.9370% | 1,512 |
| Retained earnings to average equity (ytd only) | 8.3959% | 1,304 |
| Net charge-offs to loans | 0.0888% | 4,771 |
| Credit loss provision to net charge-offs | 104.5161% | 2,957 |
| Earnings coverage of net charge-offs (x) | 20.2710% | 1,194 |
| Efficiency ratio | 78.4887% | 2,635 |
| Assets per employee ($millions) | 2.9487% | 6,198 |
| Cash dividends to net income (ytd only)* | 29.6644% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 4,612 |
| Loan loss allowance to noncurrent loans | 47.4015% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.7246% | 2,455 |
| Noncurrent loans to loans | 2.9387% | 2,478 |
| Net loans and leases to total assets | 59.7072% | 4,330 |
| Net loans and leases to deposits | 69.0082% | 4,565 |
| Net loans and leases to core deposits | 76.5096% | 4,249 |
| Total domestic deposits to total assets | 86.5219% | 3,028 |
| Equity capital to assets | 9.0893% | 5,457 |
| Core capital (leverage) ratio | 9.0526% | 4,643 |
| Tier 1 risk-based capital ratio | 14.8198% | 3,599 |
| Total risk-based capital ratio | 16.0712% | 3,565 |
| Memoranda: | ||
| Average total assets | $560,743,000 | 1,195 |
| Average earning assets | $507,230,000 | 1,201 |
| Average equity | $49,929,000 | 1,348 |
| Average total loans | $349,230,330 | 1,242 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 3,224 |
| Cost of funding earning assets | 1.0096% | 4,136 |
| Net interest margin | 3.9649% | 2,850 |
| Noninterest income to average assets | 1.6098% | 513 |
| Noninterest expense to average assets | 4.0303% | 1,002 |
| Loan and lease loss provision to assets | 0.1650% | 3,981 |
| Net operating income to assets | 0.9829% | 2,239 |
| Return on assets (ROA) | 0.9829% | 2,296 |
| Pretax return on assets | 0.9829% | 3,191 |
| Return on Equity (ROE) | 11.1584% | 1,689 |
| Retained earnings to average equity (ytd only) | 3.9267% | 3,814 |
| Net charge-offs to loans | 0.0262% | 4,721 |
| Credit loss provision to net charge-offs | 995.6522% | 392 |
| Earnings coverage of net charge-offs (x) | 69.2609% | 441 |
| Efficiency ratio | 77.7206% | 2,886 |
| Assets per employee ($millions) | 3.2212% | 5,664 |
| Cash dividends to net income (ytd only)* | 64.8094% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 4,565 |
| Loan loss allowance to noncurrent loans | 43.5431% | 5,396 |
| Noncurrent assets plus other real estate owned to assets | 2.9056% | 2,376 |
| Noncurrent loans to loans | 3.2623% | 2,302 |
| Net loans and leases to total assets | 60.1319% | 4,235 |
| Net loans and leases to deposits | 69.0009% | 4,527 |
| Net loans and leases to core deposits | 76.8944% | 4,176 |
| Total domestic deposits to total assets | 87.1466% | 2,857 |
| Equity capital to assets | 8.5285% | 5,867 |
| Core capital (leverage) ratio | 9.0556% | 4,518 |
| Tier 1 risk-based capital ratio | 14.0011% | 4,069 |
| Total risk-based capital ratio | 15.2528% | 4,049 |
| Memoranda: | ||
| Average total assets | $555,090,500 | 1,214 |
| Average earning assets | $499,585,000 | 1,231 |
| Average equity | $48,896,000 | 1,364 |
| Average total loans | $350,656,000 | 1,249 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 1,904 |
| Cost of funding earning assets | 1.1485% | 4,860 |
| Net interest margin | 4.4479% | 1,359 |
| Noninterest income to average assets | 2.2384% | 328 |
| Noninterest expense to average assets | 4.2015% | 903 |
| Loan and lease loss provision to assets | 0.6182% | 2,665 |
| Net operating income to assets | 1.5285% | 717 |
| Return on assets (ROA) | 1.5285% | 780 |
| Pretax return on assets | 1.4445% | 1,527 |
| Return on Equity (ROE) | 16.0099% | 582 |
| Retained earnings to average equity (ytd only) | 5.2495% | 2,278 |
| Net charge-offs to loans | 0.5269% | 3,519 |
| Credit loss provision to net charge-offs | 166.4583% | 2,055 |
| Earnings coverage of net charge-offs (x) | 5.5542% | 2,597 |
| Efficiency ratio | 66.9724% | 4,768 |
| Assets per employee ($millions) | 2.8825% | 6,369 |
| Cash dividends to net income (ytd only)* | 67.2108% | 1,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 4,584 |
| Loan loss allowance to noncurrent loans | 40.7718% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 3.1553% | 2,238 |
| Noncurrent loans to loans | 3.3992% | 2,236 |
| Net loans and leases to total assets | 64.6376% | 3,739 |
| Net loans and leases to deposits | 75.0311% | 4,020 |
| Net loans and leases to core deposits | 83.5886% | 3,652 |
| Total domestic deposits to total assets | 86.1477% | 3,280 |
| Equity capital to assets | 9.1149% | 4,973 |
| Core capital (leverage) ratio | 8.9663% | 4,601 |
| Tier 1 risk-based capital ratio | 13.4456% | 4,255 |
| Total risk-based capital ratio | 14.6968% | 4,226 |
| Memoranda: | ||
| Average total assets | $516,986,400 | 1,292 |
| Average earning assets | $467,933,200 | 1,311 |
| Average equity | $49,357,000 | 1,355 |
| Average total loans | $364,382,400 | 1,240 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6883% | 1,751 |
| Cost of funding earning assets | 1.1756% | 5,004 |
| Net interest margin | 4.5127% | 1,232 |
| Noninterest income to average assets | 2.3263% | 305 |
| Noninterest expense to average assets | 4.1647% | 865 |
| Loan and lease loss provision to assets | 0.6430% | 2,376 |
| Net operating income to assets | 1.7207% | 597 |
| Return on assets (ROA) | 1.7207% | 649 |
| Pretax return on assets | 1.6081% | 1,328 |
| Return on Equity (ROE) | 17.8157% | 496 |
| Retained earnings to average equity (ytd only) | 8.8608% | 1,097 |
| Net charge-offs to loans | 0.4728% | 3,383 |
| Credit loss provision to net charge-offs | 189.5180% | 1,899 |
| Earnings coverage of net charge-offs (x) | 6.6351% | 2,484 |
| Efficiency ratio | 64.8163% | 5,087 |
| Assets per employee ($millions) | 2.9388% | 6,289 |
| Cash dividends to net income (ytd only)* | 50.2640% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3301% | 4,799 |
| Loan loss allowance to noncurrent loans | 35.5703% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 3.3664% | 2,118 |
| Noncurrent loans to loans | 3.7395% | 2,070 |
| Net loans and leases to total assets | 66.4457% | 3,584 |
| Net loans and leases to deposits | 77.7353% | 3,878 |
| Net loans and leases to core deposits | 85.5458% | 3,721 |
| Total domestic deposits to total assets | 85.4769% | 3,365 |
| Equity capital to assets | 9.7035% | 4,543 |
| Core capital (leverage) ratio | 9.9531% | 3,292 |
| Tier 1 risk-based capital ratio | 14.2027% | 3,692 |
| Total risk-based capital ratio | 15.4536% | 3,660 |
| Memoranda: | ||
| Average total assets | $513,639,500 | 1,312 |
| Average earning assets | $465,460,750 | 1,330 |
| Average equity | $49,610,500 | 1,356 |
| Average total loans | $368,568,250 | 1,236 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7018% | 1,761 |
| Cost of funding earning assets | 1.2130% | 5,055 |
| Net interest margin | 4.4888% | 1,226 |
| Noninterest income to average assets | 1.9089% | 377 |
| Noninterest expense to average assets | 4.1252% | 886 |
| Loan and lease loss provision to assets | 0.2932% | 4,037 |
| Net operating income to assets | 1.5737% | 778 |
| Return on assets (ROA) | 1.5737% | 830 |
| Pretax return on assets | 1.5737% | 1,376 |
| Return on Equity (ROE) | 16.3192% | 662 |
| Retained earnings to average equity (ytd only) | 11.9636% | 499 |
| Net charge-offs to loans | 0.2089% | 4,361 |
| Credit loss provision to net charge-offs | 191.5385% | 2,058 |
| Earnings coverage of net charge-offs (x) | 12.1949% | 1,697 |
| Efficiency ratio | 68.7455% | 4,435 |
| Assets per employee ($millions) | 2.8711% | 6,413 |
| Cash dividends to net income (ytd only)* | 26.6899% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 6,026 |
| Loan loss allowance to noncurrent loans | 21.1362% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 4.2930% | 1,556 |
| Noncurrent loans to loans | 5.1253% | 1,336 |
| Net loans and leases to total assets | 69.2751% | 3,070 |
| Net loans and leases to deposits | 83.3922% | 2,993 |
| Net loans and leases to core deposits | 102.6402% | 1,771 |
| Total domestic deposits to total assets | 83.0714% | 4,542 |
| Equity capital to assets | 9.8592% | 4,188 |
| Core capital (leverage) ratio | 9.7381% | 3,488 |
| Tier 1 risk-based capital ratio | 14.3829% | 3,501 |
| Total risk-based capital ratio | 15.4886% | 3,551 |
| Memoranda: | ||
| Average total assets | $509,504,000 | 1,328 |
| Average earning assets | $463,463,670 | 1,341 |
| Average equity | $49,132,330 | 1,363 |
| Average total loans | $373,342,000 | 1,230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5740% | 2,268 |
| Cost of funding earning assets | 1.2421% | 5,161 |
| Net interest margin | 4.3319% | 1,587 |
| Noninterest income to average assets | 1.6637% | 459 |
| Noninterest expense to average assets | 3.9267% | 1,133 |
| Loan and lease loss provision to assets | 0.3840% | 3,062 |
| Net operating income to assets | 1.2963% | 1,310 |
| Return on assets (ROA) | 1.2963% | 1,377 |
| Pretax return on assets | 1.2963% | 2,060 |
| Return on Equity (ROE) | 13.5969% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.5969% | 547 |
| Net charge-offs to loans | 0.2579% | 3,390 |
| Credit loss provision to net charge-offs | 198.7755% | 1,864 |
| Earnings coverage of net charge-offs (x) | 8.6980% | 1,931 |
| Efficiency ratio | 69.9198% | 4,319 |
| Assets per employee ($millions) | 3.0469% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9501% | 6,671 |
| Loan loss allowance to noncurrent loans | 16.9102% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 4.9605% | 1,302 |
| Noncurrent loans to loans | 5.6183% | 1,226 |
| Net loans and leases to total assets | 76.1637% | 1,505 |
| Net loans and leases to deposits | 94.9185% | 1,242 |
| Net loans and leases to core deposits | 104.1765% | 1,725 |
| Total domestic deposits to total assets | 80.2412% | 5,706 |
| Equity capital to assets | 9.5218% | 4,502 |
| Core capital (leverage) ratio | 9.5828% | 3,664 |
| Tier 1 risk-based capital ratio | 13.8926% | 3,730 |
| Total risk-based capital ratio | 14.9567% | 3,814 |
| Memoranda: | ||
| Average total assets | $507,292,000 | 1,364 |
| Average earning assets | $461,788,500 | 1,374 |
| Average equity | $48,364,000 | 1,393 |
| Average total loans | $380,051,500 | 1,249 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6248% | 3,468 |
| Cost of funding earning assets | 1.6169% | 4,957 |
| Net interest margin | 4.0080% | 2,823 |
| Noninterest income to average assets | 2.1365% | 347 |
| Noninterest expense to average assets | 4.0631% | 1,284 |
| Loan and lease loss provision to assets | 0.8715% | 2,567 |
| Net operating income to assets | 0.8939% | 2,198 |
| Return on assets (ROA) | 0.9776% | 1,969 |
| Pretax return on assets | 0.9667% | 2,707 |
| Return on Equity (ROE) | 11.4403% | 1,312 |
| Retained earnings to average equity (ytd only) | 6.1601% | 1,291 |
| Net charge-offs to loans | 1.0370% | 2,340 |
| Credit loss provision to net charge-offs | 112.8818% | 4,857 |
| Earnings coverage of net charge-offs (x) | 2.2726% | 4,021 |
| Efficiency ratio | 69.7503% | 4,682 |
| Assets per employee ($millions) | 2.9738% | 6,288 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 6,492 |
| Loan loss allowance to noncurrent loans | 17.5009% | 7,162 |
| Noncurrent assets plus other real estate owned to assets | 4.8800% | 1,278 |
| Noncurrent loans to loans | 5.5937% | 1,148 |
| Net loans and leases to total assets | 72.1429% | 2,723 |
| Net loans and leases to deposits | 87.3750% | 2,669 |
| Net loans and leases to core deposits | 115.3122% | 2,385 |
| Total domestic deposits to total assets | 82.5670% | 4,715 |
| Equity capital to assets | 9.5462% | 4,358 |
| Core capital (leverage) ratio | 8.9770% | 4,462 |
| Tier 1 risk-based capital ratio | 13.1615% | 4,036 |
| Total risk-based capital ratio | 14.1917% | 4,132 |
| Memoranda: | ||
| Average total assets | $449,479,400 | 1,541 |
| Average earning assets | $412,829,200 | 1,535 |
| Average equity | $38,408,200 | 1,747 |
| Average total loans | $334,629,200 | 1,441 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5367% | 4,237 |
| Cost of funding earning assets | 1.6804% | 4,996 |
| Net interest margin | 3.8563% | 3,404 |
| Noninterest income to average assets | 2.3425% | 294 |
| Noninterest expense to average assets | 4.0344% | 1,234 |
| Loan and lease loss provision to assets | 1.0780% | 1,809 |
| Net operating income to assets | 0.7984% | 2,822 |
| Return on assets (ROA) | 0.8782% | 2,582 |
| Pretax return on assets | 0.8633% | 3,346 |
| Return on Equity (ROE) | 10.6308% | 1,724 |
| Retained earnings to average equity (ytd only) | 3.1527% | 3,550 |
| Net charge-offs to loans | 1.2563% | 1,629 |
| Credit loss provision to net charge-offs | 114.5678% | 4,430 |
| Earnings coverage of net charge-offs (x) | 1.9783% | 4,336 |
| Efficiency ratio | 68.3441% | 4,899 |
| Assets per employee ($millions) | 3.1628% | 5,747 |
| Cash dividends to net income (ytd only)* | 70.3434% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 6,487 |
| Loan loss allowance to noncurrent loans | 18.6835% | 7,161 |
| Noncurrent assets plus other real estate owned to assets | 4.6091% | 1,309 |
| Noncurrent loans to loans | 5.1393% | 1,258 |
| Net loans and leases to total assets | 72.2568% | 2,969 |
| Net loans and leases to deposits | 86.7676% | 3,175 |
| Net loans and leases to core deposits | 116.0102% | 2,621 |
| Total domestic deposits to total assets | 83.2763% | 4,077 |
| Equity capital to assets | 8.8242% | 5,748 |
| Core capital (leverage) ratio | 9.6399% | 3,726 |
| Tier 1 risk-based capital ratio | 13.4654% | 3,879 |
| Total risk-based capital ratio | 14.4979% | 3,964 |
| Memoranda: | ||
| Average total assets | $437,695,000 | 1,592 |
| Average earning assets | $403,310,750 | 1,587 |
| Average equity | $36,158,250 | 1,881 |
| Average total loans | $327,832,500 | 1,485 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4722% | 4,770 |
| Cost of funding earning assets | 1.7962% | 4,779 |
| Net interest margin | 3.6760% | 4,059 |
| Noninterest income to average assets | 2.9558% | 220 |
| Noninterest expense to average assets | 4.2910% | 957 |
| Loan and lease loss provision to assets | 1.5357% | 1,110 |
| Net operating income to assets | 0.5254% | 3,997 |
| Return on assets (ROA) | 0.5254% | 4,112 |
| Pretax return on assets | 0.5254% | 4,537 |
| Return on Equity (ROE) | 6.5414% | 3,414 |
| Retained earnings to average equity (ytd only) | -0.3961% | 5,323 |
| Net charge-offs to loans | 1.7545% | 1,085 |
| Credit loss provision to net charge-offs | 115.6443% | 4,002 |
| Earnings coverage of net charge-offs (x) | 1.5521% | 4,373 |
| Efficiency ratio | 67.4837% | 5,259 |
| Assets per employee ($millions) | 2.9758% | 6,199 |
| Cash dividends to net income (ytd only)* | 106.0550% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,651 |
| Loan loss allowance to noncurrent loans | 16.7977% | 7,292 |
| Noncurrent assets plus other real estate owned to assets | 5.6134% | 889 |
| Noncurrent loans to loans | 6.5077% | 810 |
| Net loans and leases to total assets | 75.4984% | 2,314 |
| Net loans and leases to deposits | 91.7045% | 2,524 |
| Net loans and leases to core deposits | 121.8957% | 2,217 |
| Total domestic deposits to total assets | 82.3279% | 4,558 |
| Equity capital to assets | 8.2475% | 6,418 |
| Core capital (leverage) ratio | 8.4280% | 5,568 |
| Tier 1 risk-based capital ratio | 12.3068% | 4,667 |
| Total risk-based capital ratio | 13.4845% | 4,644 |
| Memoranda: | ||
| Average total assets | $414,913,000 | 1,701 |
| Average earning assets | $383,356,670 | 1,690 |
| Average equity | $33,326,330 | 2,041 |
| Average total loans | $314,045,330 | 1,580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2565% | 6,088 |
| Cost of funding earning assets | 1.6818% | 5,681 |
| Net interest margin | 3.5748% | 4,431 |
| Noninterest income to average assets | 1.7787% | 429 |
| Noninterest expense to average assets | 3.9953% | 1,194 |
| Loan and lease loss provision to assets | 0.1537% | 4,965 |
| Net operating income to assets | 0.9390% | 2,549 |
| Return on assets (ROA) | 0.9390% | 2,681 |
| Pretax return on assets | 0.9390% | 3,569 |
| Return on Equity (ROE) | 11.8536% | 1,709 |
| Retained earnings to average equity (ytd only) | 6.2155% | 2,541 |
| Net charge-offs to loans | 0.1601% | 3,681 |
| Credit loss provision to net charge-offs | 127.4194% | 3,130 |
| Earnings coverage of net charge-offs (x) | 9.0565% | 2,112 |
| Efficiency ratio | 78.4280% | 3,100 |
| Assets per employee ($millions) | 3.5408% | 4,726 |
| Cash dividends to net income (ytd only)* | 47.5648% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 6,491 |
| Loan loss allowance to noncurrent loans | 22.4898% | 7,041 |
| Noncurrent assets plus other real estate owned to assets | 3.4536% | 1,562 |
| Noncurrent loans to loans | 4.2239% | 1,398 |
| Net loans and leases to total assets | 69.2784% | 3,852 |
| Net loans and leases to deposits | 82.5991% | 4,193 |
| Net loans and leases to core deposits | 110.5005% | 3,370 |
| Total domestic deposits to total assets | 83.8731% | 3,764 |
| Equity capital to assets | 7.5257% | 7,330 |
| Core capital (leverage) ratio | 9.8726% | 3,559 |
| Tier 1 risk-based capital ratio | 12.1628% | 4,816 |
| Total risk-based capital ratio | 13.2023% | 4,907 |
| Memoranda: | ||
| Average total assets | $411,087,500 | 1,721 |
| Average earning assets | $380,555,000 | 1,708 |
| Average equity | $32,564,000 | 2,084 |
| Average total loans | $309,790,500 | 1,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8021% | 1,666 |
| Cost of funding earning assets | 2.4110% | 4,672 |
| Net interest margin | 4.3911% | 1,713 |
| Noninterest income to average assets | 1.6536% | 505 |
| Noninterest expense to average assets | 4.1507% | 1,202 |
| Loan and lease loss provision to assets | 0.4598% | 2,992 |
| Net operating income to assets | 1.1050% | 2,127 |
| Return on assets (ROA) | 1.1050% | 2,040 |
| Pretax return on assets | 1.0628% | 3,172 |
| Return on Equity (ROE) | 12.3589% | 1,495 |
| Retained earnings to average equity (ytd only) | -1.4992% | 5,738 |
| Net charge-offs to loans | 0.6911% | 1,774 |
| Credit loss provision to net charge-offs | 85.7064% | 5,771 |
| Earnings coverage of net charge-offs (x) | 2.8382% | 4,654 |
| Efficiency ratio | 73.0525% | 3,738 |
| Assets per employee ($millions) | 2.7441% | 6,689 |
| Cash dividends to net income (ytd only)* | 112.1302% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 5,505 |
| Loan loss allowance to noncurrent loans | 93.2791% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.5365% | 3,149 |
| Noncurrent loans to loans | 1.1434% | 4,258 |
| Net loans and leases to total assets | 81.7391% | 1,275 |
| Net loans and leases to deposits | 95.6251% | 2,502 |
| Net loans and leases to core deposits | 128.3298% | 1,977 |
| Total domestic deposits to total assets | 85.4787% | 2,636 |
| Equity capital to assets | 8.4520% | 6,169 |
| Core capital (leverage) ratio | 9.1422% | 4,538 |
| Tier 1 risk-based capital ratio | 11.1671% | 5,576 |
| Total risk-based capital ratio | 12.2787% | 5,600 |
| Memoranda: | ||
| Average total assets | $336,476,400 | 1,982 |
| Average earning assets | $308,009,200 | 1,978 |
| Average equity | $30,083,600 | 2,258 |
| Average total loans | $261,177,800 | 1,824 |