Home > High Country Bank > Performance and Condition Ratios
High Country Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9900% | 1,190 |
| Cost of funding earning assets | 1.3935% | 3,421 |
| Net interest margin | 4.5965% | 545 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 3.4048% | 665 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.0145% | 2,241 |
| Return on assets (ROA) | 1.0145% | 2,238 |
| Pretax return on assets | 1.3096% | 1,942 |
| Return on Equity (ROE) | 12.2400% | 1,687 |
| Retained earnings to average equity (ytd only) | 4.0614% | 2,842 |
| Net charge-offs to loans | -0.0010% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 72.2213% | 1,599 |
| Assets per employee ($millions) | 5.3571% | 3,425 |
| Cash dividends to net income (ytd only)* | 66.8239% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 2,902 |
| Loan loss allowance to noncurrent loans | 116.2487% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.7602% | 999 |
| Noncurrent loans to loans | 0.9150% | 1,165 |
| Net loans and leases to total assets | 82.1900% | 386 |
| Net loans and leases to deposits | 97.6258% | 525 |
| Net loans and leases to core deposits | 99.8326% | 1,386 |
| Total domestic deposits to total assets | 84.1900% | 2,847 |
| Equity capital to assets | 8.3534% | 3,413 |
| Core capital (leverage) ratio | 8.8133% | 3,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6463% | 2,325 |
| Memoranda: | ||
| Average total assets | $501,524,500 | 1,774 |
| Average earning assets | $475,927,500 | 1,746 |
| Average equity | $41,562,500 | 1,981 |
| Average total loans | $418,127,500 | 1,508 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9956% | 1,297 |
| Cost of funding earning assets | 1.5090% | 3,340 |
| Net interest margin | 4.4866% | 661 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 3.4845% | 602 |
| Loan and lease loss provision to assets | 0.2700% | 458 |
| Net operating income to assets | 0.6471% | 3,110 |
| Return on assets (ROA) | 0.6453% | 3,138 |
| Pretax return on assets | 0.8264% | 2,989 |
| Return on Equity (ROE) | 7.6000% | 2,867 |
| Retained earnings to average equity (ytd only) | 1.3954% | 3,569 |
| Net charge-offs to loans | 0.1962% | 711 |
| Credit loss provision to net charge-offs | 180.4124% | 1,223 |
| Earnings coverage of net charge-offs (x) | 6.8041% | 2,474 |
| Efficiency ratio | 76.0164% | 1,370 |
| Assets per employee ($millions) | 5.5498% | 3,259 |
| Cash dividends to net income (ytd only)* | 81.6392% | 537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 2,875 |
| Loan loss allowance to noncurrent loans | 109.9605% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 890 |
| Noncurrent loans to loans | 0.9682% | 1,032 |
| Net loans and leases to total assets | 82.7800% | 376 |
| Net loans and leases to deposits | 99.6400% | 507 |
| Net loans and leases to core deposits | 101.7039% | 1,348 |
| Total domestic deposits to total assets | 83.0800% | 3,011 |
| Equity capital to assets | 8.2205% | 3,384 |
| Core capital (leverage) ratio | 8.7353% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $480,275,800 | 1,814 |
| Average earning assets | $454,285,000 | 1,787 |
| Average equity | $40,776,200 | 1,956 |
| Average total loans | $395,564,800 | 1,538 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 1,311 |
| Cost of funding earning assets | 1.5218% | 3,312 |
| Net interest margin | 4.4385% | 681 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 3.3824% | 657 |
| Loan and lease loss provision to assets | 0.3600% | 280 |
| Net operating income to assets | 0.6339% | 3,129 |
| Return on assets (ROA) | 0.6312% | 3,164 |
| Pretax return on assets | 0.8079% | 3,021 |
| Return on Equity (ROE) | 7.3700% | 2,931 |
| Retained earnings to average equity (ytd only) | 1.0514% | 3,713 |
| Net charge-offs to loans | 0.2663% | 472 |
| Credit loss provision to net charge-offs | 173.2991% | 1,182 |
| Earnings coverage of net charge-offs (x) | 5.3825% | 2,375 |
| Efficiency ratio | 74.2049% | 1,563 |
| Assets per employee ($millions) | 5.5821% | 3,196 |
| Cash dividends to net income (ytd only)* | 85.7397% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 2,895 |
| Loan loss allowance to noncurrent loans | 134.7226% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 1,089 |
| Noncurrent loans to loans | 0.7946% | 1,255 |
| Net loans and leases to total assets | 81.7800% | 432 |
| Net loans and leases to deposits | 98.6188% | 561 |
| Net loans and leases to core deposits | 100.6070% | 1,444 |
| Total domestic deposits to total assets | 82.9200% | 2,874 |
| Equity capital to assets | 8.4258% | 3,447 |
| Core capital (leverage) ratio | 8.7893% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $475,474,250 | 1,823 |
| Average earning assets | $449,540,500 | 1,799 |
| Average equity | $40,705,250 | 1,956 |
| Average total loans | $389,980,250 | 1,546 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8626% | 1,363 |
| Cost of funding earning assets | 1.4633% | 3,364 |
| Net interest margin | 4.3993% | 707 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 3.3897% | 653 |
| Loan and lease loss provision to assets | 0.3800% | 244 |
| Net operating income to assets | 0.5775% | 3,239 |
| Return on assets (ROA) | 0.5735% | 3,277 |
| Pretax return on assets | 0.7336% | 3,151 |
| Return on Equity (ROE) | 6.6600% | 3,085 |
| Retained earnings to average equity (ytd only) | 0.2133% | 3,786 |
| Net charge-offs to loans | 0.0825% | 977 |
| Credit loss provision to net charge-offs | 601.2658% | 554 |
| Earnings coverage of net charge-offs (x) | 16.6456% | 1,724 |
| Efficiency ratio | 75.1136% | 1,544 |
| Assets per employee ($millions) | 5.2314% | 3,423 |
| Cash dividends to net income (ytd only)* | 96.7982% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1651% | 2,423 |
| Loan loss allowance to noncurrent loans | 128.3927% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 883 |
| Noncurrent loans to loans | 0.9074% | 1,040 |
| Net loans and leases to total assets | 81.3800% | 534 |
| Net loans and leases to deposits | 100.2619% | 539 |
| Net loans and leases to core deposits | 102.4442% | 1,336 |
| Total domestic deposits to total assets | 81.1700% | 3,244 |
| Equity capital to assets | 8.3771% | 3,183 |
| Core capital (leverage) ratio | 9.1469% | 3,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $468,363,000 | 1,833 |
| Average earning assets | $442,708,333 | 1,810 |
| Average equity | $40,320,333 | 1,943 |
| Average total loans | $383,086,667 | 1,566 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7941% | 1,316 |
| Cost of funding earning assets | 1.3936% | 3,410 |
| Net interest margin | 4.4004% | 671 |
| Noninterest income to average assets | 0.3400% | 2,684 |
| Noninterest expense to average assets | 3.2804% | 742 |
| Loan and lease loss provision to assets | 0.2200% | 447 |
| Net operating income to assets | 0.7824% | 2,589 |
| Return on assets (ROA) | 0.7742% | 2,631 |
| Pretax return on assets | 0.9976% | 2,379 |
| Return on Equity (ROE) | 8.8700% | 2,422 |
| Retained earnings to average equity (ytd only) | 1.4285% | 3,386 |
| Net charge-offs to loans | 0.1679% | 514 |
| Credit loss provision to net charge-offs | 189.8734% | 832 |
| Earnings coverage of net charge-offs (x) | 8.9494% | 1,690 |
| Efficiency ratio | 72.8181% | 1,867 |
| Assets per employee ($millions) | 5.2775% | 3,442 |
| Cash dividends to net income (ytd only)* | 83.8926% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0424% | 3,094 |
| Loan loss allowance to noncurrent loans | 259.7904% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 1,785 |
| Noncurrent loans to loans | 0.4012% | 1,932 |
| Net loans and leases to total assets | 81.0900% | 503 |
| Net loans and leases to deposits | 99.5030% | 504 |
| Net loans and leases to core deposits | 101.1743% | 1,348 |
| Total domestic deposits to total assets | 81.5000% | 3,282 |
| Equity capital to assets | 8.6551% | 2,920 |
| Core capital (leverage) ratio | 9.3534% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $461,899,500 | 1,853 |
| Average earning assets | $437,137,500 | 1,831 |
| Average equity | $40,321,500 | 1,939 |
| Average total loans | $376,484,500 | 1,583 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 1,479 |
| Cost of funding earning assets | 0.7464% | 3,858 |
| Net interest margin | 4.5643% | 553 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 3.3522% | 700 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.9932% | 2,243 |
| Return on assets (ROA) | 0.9932% | 2,224 |
| Pretax return on assets | 1.2776% | 1,938 |
| Return on Equity (ROE) | 11.1100% | 2,195 |
| Retained earnings to average equity (ytd only) | 2.5244% | 3,437 |
| Net charge-offs to loans | 0.0014% | 2,785 |
| Credit loss provision to net charge-offs | 5,000.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 1,182.0000% | 136 |
| Efficiency ratio | 71.5332% | 1,707 |
| Assets per employee ($millions) | 5.3416% | 3,359 |
| Cash dividends to net income (ytd only)* | 77.2727% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,180 |
| Loan loss allowance to noncurrent loans | 159.3997% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5222% | 1,075 |
| Noncurrent loans to loans | 0.6442% | 1,218 |
| Net loans and leases to total assets | 80.2300% | 619 |
| Net loans and leases to deposits | 95.8451% | 800 |
| Net loans and leases to core deposits | 97.1079% | 1,587 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 8.8048% | 2,821 |
| Core capital (leverage) ratio | 9.5768% | 3,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $443,025,800 | 1,883 |
| Average earning assets | $419,096,000 | 1,840 |
| Average equity | $39,613,600 | 1,901 |
| Average total loans | $346,675,600 | 1,623 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2003% | 1,449 |
| Cost of funding earning assets | 0.6099% | 3,953 |
| Net interest margin | 4.5904% | 539 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 3.3872% | 636 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0012% | 2,364 |
| Return on assets (ROA) | 1.0012% | 2,348 |
| Pretax return on assets | 1.2876% | 2,078 |
| Return on Equity (ROE) | 11.1500% | 2,335 |
| Retained earnings to average equity (ytd only) | 1.3399% | 3,880 |
| Net charge-offs to loans | -0.0004% | 3,437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.7568% | 1,598 |
| Assets per employee ($millions) | 5.0378% | 3,578 |
| Cash dividends to net income (ytd only)* | 87.9854% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,163 |
| Loan loss allowance to noncurrent loans | 186.9674% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 1,311 |
| Noncurrent loans to loans | 0.5549% | 1,442 |
| Net loans and leases to total assets | 79.3500% | 725 |
| Net loans and leases to deposits | 90.8905% | 1,158 |
| Net loans and leases to core deposits | 92.0619% | 1,790 |
| Total domestic deposits to total assets | 87.3000% | 1,801 |
| Equity capital to assets | 8.5926% | 2,669 |
| Core capital (leverage) ratio | 9.6099% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $438,938,000 | 1,892 |
| Average earning assets | $414,939,250 | 1,853 |
| Average equity | $39,405,250 | 1,894 |
| Average total loans | $340,244,250 | 1,642 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 1,386 |
| Cost of funding earning assets | 0.4591% | 4,061 |
| Net interest margin | 4.6342% | 499 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 3.3998% | 599 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0037% | 2,404 |
| Return on assets (ROA) | 1.0037% | 2,403 |
| Pretax return on assets | 1.2914% | 2,106 |
| Return on Equity (ROE) | 11.0200% | 2,410 |
| Retained earnings to average equity (ytd only) | -1.0731% | 4,227 |
| Net charge-offs to loans | -0.0006% | 3,406 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.4231% | 1,625 |
| Assets per employee ($millions) | 5.3704% | 3,261 |
| Cash dividends to net income (ytd only)* | 109.7394% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 3,863 |
| Loan loss allowance to noncurrent loans | 201.5968% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 1,551 |
| Noncurrent loans to loans | 0.4304% | 1,645 |
| Net loans and leases to total assets | 78.6100% | 771 |
| Net loans and leases to deposits | 92.2561% | 1,007 |
| Net loans and leases to core deposits | 93.6981% | 1,585 |
| Total domestic deposits to total assets | 85.2100% | 2,483 |
| Equity capital to assets | 8.9535% | 2,545 |
| Core capital (leverage) ratio | 9.9321% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $435,796,000 | 1,897 |
| Average earning assets | $412,107,000 | 1,870 |
| Average equity | $39,698,333 | 1,892 |
| Average total loans | $333,823,000 | 1,655 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 1,264 |
| Cost of funding earning assets | 0.2943% | 4,211 |
| Net interest margin | 4.6862% | 453 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 3.2968% | 704 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.1091% | 2,197 |
| Return on assets (ROA) | 1.1091% | 2,163 |
| Pretax return on assets | 1.4284% | 1,817 |
| Return on Equity (ROE) | 12.0700% | 2,201 |
| Retained earnings to average equity (ytd only) | -1.9883% | 4,206 |
| Net charge-offs to loans | -0.0012% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.4352% | 1,926 |
| Assets per employee ($millions) | 5.2063% | 3,499 |
| Cash dividends to net income (ytd only)* | 116.4725% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 3,855 |
| Loan loss allowance to noncurrent loans | 211.0482% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 1,533 |
| Noncurrent loans to loans | 0.4259% | 1,657 |
| Net loans and leases to total assets | 76.9600% | 876 |
| Net loans and leases to deposits | 86.5544% | 1,313 |
| Net loans and leases to core deposits | 87.2578% | 1,787 |
| Total domestic deposits to total assets | 88.9200% | 1,573 |
| Equity capital to assets | 9.3290% | 2,277 |
| Core capital (leverage) ratio | 10.0062% | 2,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $433,506,000 | 1,928 |
| Average earning assets | $410,481,000 | 1,900 |
| Average equity | $39,833,000 | 1,909 |
| Average total loans | $326,130,000 | 1,699 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4458% | 807 |
| Cost of funding earning assets | 0.1457% | 4,146 |
| Net interest margin | 4.3000% | 422 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 3.2644% | 661 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.9888% | 2,608 |
| Return on assets (ROA) | 0.9888% | 2,557 |
| Pretax return on assets | 1.2803% | 2,159 |
| Return on Equity (ROE) | 11.3300% | 2,375 |
| Retained earnings to average equity (ytd only) | 5.6360% | 2,772 |
| Net charge-offs to loans | -0.0020% | 3,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.3093% | 1,523 |
| Assets per employee ($millions) | 5.0586% | 3,627 |
| Cash dividends to net income (ytd only)* | 50.2569% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 3,775 |
| Loan loss allowance to noncurrent loans | 196.3190% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 0.3333% | 1,516 |
| Noncurrent loans to loans | 0.4574% | 1,565 |
| Net loans and leases to total assets | 72.2200% | 1,393 |
| Net loans and leases to deposits | 79.8542% | 1,781 |
| Net loans and leases to core deposits | 80.4220% | 2,105 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 9.0524% | 2,326 |
| Core capital (leverage) ratio | 9.5387% | 3,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $452,789,000 | 1,849 |
| Average earning assets | $429,599,800 | 1,823 |
| Average equity | $39,514,000 | 1,929 |
| Average total loans | $306,435,400 | 1,697 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2721% | 777 |
| Cost of funding earning assets | 0.1134% | 4,172 |
| Net interest margin | 4.1586% | 459 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 3.3081% | 591 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8922% | 2,898 |
| Return on assets (ROA) | 0.8922% | 2,878 |
| Pretax return on assets | 1.1553% | 2,542 |
| Return on Equity (ROE) | 10.3200% | 2,632 |
| Retained earnings to average equity (ytd only) | 4.7371% | 3,184 |
| Net charge-offs to loans | -0.0009% | 3,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.1156% | 1,262 |
| Assets per employee ($millions) | 5.1368% | 3,557 |
| Cash dividends to net income (ytd only)* | 54.0806% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8962% | 3,868 |
| Loan loss allowance to noncurrent loans | 182.1524% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,650 |
| Noncurrent loans to loans | 0.4920% | 1,575 |
| Net loans and leases to total assets | 65.1800% | 1,966 |
| Net loans and leases to deposits | 71.5491% | 2,242 |
| Net loans and leases to core deposits | 72.0407% | 2,479 |
| Total domestic deposits to total assets | 91.0900% | 1,207 |
| Equity capital to assets | 8.3536% | 2,638 |
| Core capital (leverage) ratio | 9.1640% | 3,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $455,962,750 | 1,848 |
| Average earning assets | $432,566,000 | 1,818 |
| Average equity | $39,432,750 | 1,964 |
| Average total loans | $302,868,500 | 1,701 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 722 |
| Cost of funding earning assets | 0.1002% | 4,189 |
| Net interest margin | 4.0346% | 461 |
| Noninterest income to average assets | 0.5667% | 1,880 |
| Noninterest expense to average assets | 3.3835% | 487 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7831% | 3,019 |
| Return on assets (ROA) | 0.7831% | 2,988 |
| Pretax return on assets | 1.0153% | 2,669 |
| Return on Equity (ROE) | 8.9513% | 2,717 |
| Retained earnings to average equity (ytd only) | 3.4103% | 3,307 |
| Net charge-offs to loans | 0.0066% | 1,762 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 230.4000% | 495 |
| Efficiency ratio | 76.9185% | 1,182 |
| Assets per employee ($millions) | 4.8529% | 3,810 |
| Cash dividends to net income (ytd only)* | 61.9021% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9059% | 3,934 |
| Loan loss allowance to noncurrent loans | 177.9672% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 1,660 |
| Noncurrent loans to loans | 0.5090% | 1,605 |
| Net loans and leases to total assets | 65.0775% | 1,803 |
| Net loans and leases to deposits | 71.6289% | 2,058 |
| Net loans and leases to core deposits | 72.1291% | 2,323 |
| Total domestic deposits to total assets | 90.8536% | 1,305 |
| Equity capital to assets | 8.4718% | 2,786 |
| Core capital (leverage) ratio | 9.1756% | 3,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $453,845,333 | 1,865 |
| Average earning assets | $431,066,667 | 1,840 |
| Average equity | $39,703,667 | 2,008 |
| Average total loans | $302,475,000 | 1,692 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 712 |
| Cost of funding earning assets | 0.0983% | 4,151 |
| Net interest margin | 3.9434% | 455 |
| Noninterest income to average assets | 0.6132% | 1,634 |
| Noninterest expense to average assets | 3.2818% | 545 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8350% | 2,535 |
| Return on assets (ROA) | 0.8350% | 2,529 |
| Pretax return on assets | 1.0904% | 2,174 |
| Return on Equity (ROE) | 9.3954% | 2,186 |
| Retained earnings to average equity (ytd only) | 3.9272% | 2,957 |
| Net charge-offs to loans | -0.0013% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0606% | 1,627 |
| Assets per employee ($millions) | 4.7146% | 3,989 |
| Cash dividends to net income (ytd only)* | 58.2011% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,049 |
| Loan loss allowance to noncurrent loans | 174.8395% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 1,732 |
| Noncurrent loans to loans | 0.5130% | 1,739 |
| Net loans and leases to total assets | 66.4973% | 1,365 |
| Net loans and leases to deposits | 73.3368% | 1,669 |
| Net loans and leases to core deposits | 74.2126% | 1,924 |
| Total domestic deposits to total assets | 90.6739% | 1,198 |
| Equity capital to assets | 8.7969% | 2,880 |
| Core capital (leverage) ratio | 9.1562% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $452,683,000 | 1,871 |
| Average earning assets | $431,504,000 | 1,852 |
| Average equity | $40,232,500 | 2,045 |
| Average total loans | $303,923,500 | 1,688 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 491 |
| Cost of funding earning assets | 0.1380% | 4,086 |
| Net interest margin | 4.4801% | 286 |
| Noninterest income to average assets | 1.0132% | 980 |
| Noninterest expense to average assets | 3.5074% | 466 |
| Loan and lease loss provision to assets | -0.0982% | 4,526 |
| Net operating income to assets | 1.4058% | 1,262 |
| Return on assets (ROA) | 1.4058% | 1,320 |
| Pretax return on assets | 1.8433% | 831 |
| Return on Equity (ROE) | 14.9513% | 958 |
| Retained earnings to average equity (ytd only) | 10.7082% | 762 |
| Net charge-offs to loans | -0.0025% | 3,403 |
| Credit loss provision to net charge-offs | 5,714.2857% | 130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7757% | 2,152 |
| Assets per employee ($millions) | 5.3900% | 3,366 |
| Cash dividends to net income (ytd only)* | 28.3793% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8953% | 4,074 |
| Loan loss allowance to noncurrent loans | 166.5443% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3611% | 1,781 |
| Noncurrent loans to loans | 0.5376% | 1,784 |
| Net loans and leases to total assets | 66.5759% | 1,413 |
| Net loans and leases to deposits | 73.6761% | 1,749 |
| Net loans and leases to core deposits | 74.5590% | 2,033 |
| Total domestic deposits to total assets | 90.3629% | 779 |
| Equity capital to assets | 8.9782% | 3,643 |
| Core capital (leverage) ratio | 9.1915% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $407,307,000 | 1,963 |
| Average earning assets | $385,417,800 | 1,951 |
| Average equity | $38,297,600 | 2,148 |
| Average total loans | $283,851,400 | 1,771 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7512% | 444 |
| Cost of funding earning assets | 0.1521% | 4,090 |
| Net interest margin | 4.5991% | 267 |
| Noninterest income to average assets | 1.1190% | 906 |
| Noninterest expense to average assets | 3.5836% | 416 |
| Loan and lease loss provision to assets | -0.1346% | 4,671 |
| Net operating income to assets | 1.5295% | 1,195 |
| Return on assets (ROA) | 1.5295% | 1,244 |
| Pretax return on assets | 2.0063% | 787 |
| Return on Equity (ROE) | 16.0592% | 939 |
| Retained earnings to average equity (ytd only) | 12.3467% | 762 |
| Net charge-offs to loans | -0.0024% | 3,254 |
| Credit loss provision to net charge-offs | 8,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6914% | 2,142 |
| Assets per employee ($millions) | 4.5805% | 4,063 |
| Cash dividends to net income (ytd only)* | 23.1176% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 4,127 |
| Loan loss allowance to noncurrent loans | 165.4103% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3780% | 1,934 |
| Noncurrent loans to loans | 0.5504% | 1,941 |
| Net loans and leases to total assets | 68.0575% | 1,318 |
| Net loans and leases to deposits | 75.7009% | 1,698 |
| Net loans and leases to core deposits | 76.4294% | 2,009 |
| Total domestic deposits to total assets | 89.9032% | 812 |
| Equity capital to assets | 9.2766% | 3,588 |
| Core capital (leverage) ratio | 9.5173% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $395,943,000 | 2,022 |
| Average earning assets | $373,313,000 | 2,011 |
| Average equity | $37,709,500 | 2,192 |
| Average total loans | $278,775,750 | 1,831 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6713% | 556 |
| Cost of funding earning assets | 0.1805% | 3,939 |
| Net interest margin | 4.4908% | 359 |
| Noninterest income to average assets | 1.2202% | 780 |
| Noninterest expense to average assets | 3.6769% | 377 |
| Loan and lease loss provision to assets | -0.2089% | 4,766 |
| Net operating income to assets | 1.5081% | 1,267 |
| Return on assets (ROA) | 1.5081% | 1,333 |
| Pretax return on assets | 1.9766% | 873 |
| Return on Equity (ROE) | 15.6801% | 1,022 |
| Retained earnings to average equity (ytd only) | 9.9773% | 1,400 |
| Net charge-offs to loans | -0.0015% | 3,134 |
| Credit loss provision to net charge-offs | 20,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5333% | 1,935 |
| Assets per employee ($millions) | 4.2589% | 4,289 |
| Cash dividends to net income (ytd only)* | 36.3699% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,018 |
| Loan loss allowance to noncurrent loans | 156.1172% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 1,898 |
| Noncurrent loans to loans | 0.6037% | 1,897 |
| Net loans and leases to total assets | 70.6070% | 1,135 |
| Net loans and leases to deposits | 78.8162% | 1,542 |
| Net loans and leases to core deposits | 79.6355% | 1,914 |
| Total domestic deposits to total assets | 89.5845% | 983 |
| Equity capital to assets | 9.5572% | 3,280 |
| Core capital (leverage) ratio | 9.7359% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $382,874,667 | 2,068 |
| Average earning assets | $360,155,000 | 2,054 |
| Average equity | $36,823,667 | 2,228 |
| Average total loans | $272,077,000 | 1,874 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7625% | 518 |
| Cost of funding earning assets | 0.2586% | 3,393 |
| Net interest margin | 4.5039% | 352 |
| Noninterest income to average assets | 1.3301% | 737 |
| Noninterest expense to average assets | 3.6762% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4419% | 1,465 |
| Return on assets (ROA) | 1.4419% | 1,534 |
| Pretax return on assets | 1.8860% | 1,139 |
| Return on Equity (ROE) | 14.9409% | 1,229 |
| Retained earnings to average equity (ytd only) | 9.3701% | 1,836 |
| Net charge-offs to loans | -0.0015% | 3,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0932% | 2,219 |
| Assets per employee ($millions) | 4.0716% | 4,437 |
| Cash dividends to net income (ytd only)* | 37.2856% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,216 |
| Loan loss allowance to noncurrent loans | 178.9323% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 2,013 |
| Noncurrent loans to loans | 0.6400% | 1,973 |
| Net loans and leases to total assets | 71.0632% | 1,144 |
| Net loans and leases to deposits | 79.4620% | 1,571 |
| Net loans and leases to core deposits | 80.4813% | 1,959 |
| Total domestic deposits to total assets | 89.4304% | 1,107 |
| Equity capital to assets | 9.6894% | 3,014 |
| Core capital (leverage) ratio | 9.7047% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $372,013,500 | 2,097 |
| Average earning assets | $349,563,000 | 2,081 |
| Average equity | $35,901,500 | 2,267 |
| Average total loans | $263,919,500 | 1,903 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 170 |
| Cost of funding earning assets | 0.2190% | 4,511 |
| Net interest margin | 5.3450% | 78 |
| Noninterest income to average assets | 1.3573% | 632 |
| Noninterest expense to average assets | 3.8222% | 449 |
| Loan and lease loss provision to assets | 0.4840% | 535 |
| Net operating income to assets | 1.5388% | 729 |
| Return on assets (ROA) | 1.5388% | 792 |
| Pretax return on assets | 2.0557% | 407 |
| Return on Equity (ROE) | 15.7359% | 536 |
| Retained earnings to average equity (ytd only) | 11.2505% | 409 |
| Net charge-offs to loans | 0.0654% | 1,847 |
| Credit loss provision to net charge-offs | 952.3810% | 807 |
| Earnings coverage of net charge-offs (x) | 49.9762% | 1,200 |
| Efficiency ratio | 60.0799% | 3,445 |
| Assets per employee ($millions) | 3.7282% | 4,550 |
| Cash dividends to net income (ytd only)* | 28.5040% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 2,846 |
| Loan loss allowance to noncurrent loans | 3,462.2222% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 4,260 |
| Noncurrent loans to loans | 0.0352% | 4,163 |
| Net loans and leases to total assets | 69.1135% | 1,672 |
| Net loans and leases to deposits | 78.2236% | 2,042 |
| Net loans and leases to core deposits | 79.1353% | 2,440 |
| Total domestic deposits to total assets | 88.3538% | 1,303 |
| Equity capital to assets | 9.6104% | 3,501 |
| Core capital (leverage) ratio | 9.5520% | 3,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $330,592,800 | 2,134 |
| Average earning assets | $309,540,600 | 2,121 |
| Average equity | $32,327,400 | 2,374 |
| Average total loans | $256,738,000 | 1,887 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6454% | 170 |
| Cost of funding earning assets | 0.2041% | 4,661 |
| Net interest margin | 5.4413% | 82 |
| Noninterest income to average assets | 1.2128% | 732 |
| Noninterest expense to average assets | 3.8309% | 441 |
| Loan and lease loss provision to assets | 0.5592% | 479 |
| Net operating income to assets | 1.4319% | 1,029 |
| Return on assets (ROA) | 1.4319% | 1,119 |
| Pretax return on assets | 1.9132% | 612 |
| Return on Equity (ROE) | 14.5718% | 775 |
| Retained earnings to average equity (ytd only) | 9.7244% | 824 |
| Net charge-offs to loans | -0.0021% | 3,887 |
| Credit loss provision to net charge-offs | -33,750.0000% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7767% | 3,266 |
| Assets per employee ($millions) | 4.3448% | 4,003 |
| Cash dividends to net income (ytd only)* | 33.2658% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 3,096 |
| Loan loss allowance to noncurrent loans | 1,413.0233% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 4,143 |
| Noncurrent loans to loans | 0.0793% | 4,051 |
| Net loans and leases to total assets | 74.3508% | 1,332 |
| Net loans and leases to deposits | 84.8588% | 1,822 |
| Net loans and leases to core deposits | 85.9736% | 2,304 |
| Total domestic deposits to total assets | 87.6172% | 1,389 |
| Equity capital to assets | 9.3766% | 3,792 |
| Core capital (leverage) ratio | 9.4053% | 3,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $321,900,000 | 2,160 |
| Average earning assets | $301,147,750 | 2,143 |
| Average equity | $31,631,000 | 2,393 |
| Average total loans | $257,014,500 | 1,877 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8608% | 174 |
| Cost of funding earning assets | 0.2172% | 4,714 |
| Net interest margin | 5.6436% | 82 |
| Noninterest income to average assets | 1.1178% | 795 |
| Noninterest expense to average assets | 3.9354% | 439 |
| Loan and lease loss provision to assets | 0.6796% | 418 |
| Net operating income to assets | 1.3334% | 1,271 |
| Return on assets (ROA) | 1.3334% | 1,371 |
| Pretax return on assets | 1.7839% | 837 |
| Return on Equity (ROE) | 13.3319% | 1,025 |
| Retained earnings to average equity (ytd only) | 9.2870% | 939 |
| Net charge-offs to loans | -0.0016% | 3,791 |
| Credit loss provision to net charge-offs | -52,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5011% | 3,202 |
| Assets per employee ($millions) | 4.0962% | 4,208 |
| Cash dividends to net income (ytd only)* | 30.3398% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,399 |
| Loan loss allowance to noncurrent loans | 1,272.5581% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,207 |
| Noncurrent loans to loans | 0.0812% | 4,132 |
| Net loans and leases to total assets | 79.0240% | 719 |
| Net loans and leases to deposits | 91.9089% | 1,170 |
| Net loans and leases to core deposits | 93.0529% | 1,816 |
| Total domestic deposits to total assets | 85.9807% | 2,016 |
| Equity capital to assets | 9.9191% | 3,274 |
| Core capital (leverage) ratio | 10.0202% | 2,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,993,333 | 2,199 |
| Average earning assets | $289,141,667 | 2,192 |
| Average equity | $30,903,333 | 2,415 |
| Average total loans | $252,298,667 | 1,887 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7834% | 224 |
| Cost of funding earning assets | 0.2327% | 4,815 |
| Net interest margin | 5.5508% | 84 |
| Noninterest income to average assets | 0.8360% | 1,205 |
| Noninterest expense to average assets | 3.8267% | 599 |
| Loan and lease loss provision to assets | 0.5376% | 541 |
| Net operating income to assets | 1.2393% | 1,407 |
| Return on assets (ROA) | 1.2393% | 1,509 |
| Pretax return on assets | 1.6667% | 918 |
| Return on Equity (ROE) | 12.3347% | 1,029 |
| Retained earnings to average equity (ytd only) | 10.9968% | 567 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4500% | 3,307 |
| Assets per employee ($millions) | 3.3992% | 4,564 |
| Cash dividends to net income (ytd only)* | 10.8460% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 4,320 |
| Loan loss allowance to noncurrent loans | 969.7674% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,247 |
| Noncurrent loans to loans | 0.0860% | 4,167 |
| Net loans and leases to total assets | 81.9209% | 442 |
| Net loans and leases to deposits | 97.6747% | 757 |
| Net loans and leases to core deposits | 99.0191% | 1,551 |
| Total domestic deposits to total assets | 83.8711% | 2,830 |
| Equity capital to assets | 10.5110% | 3,309 |
| Core capital (leverage) ratio | 11.0037% | 2,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $297,593,500 | 2,224 |
| Average earning assets | $278,519,000 | 2,205 |
| Average equity | $29,899,500 | 2,459 |
| Average total loans | $245,982,000 | 1,893 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8026% | 323 |
| Cost of funding earning assets | 0.1706% | 5,014 |
| Net interest margin | 5.6319% | 98 |
| Noninterest income to average assets | 0.8456% | 1,314 |
| Noninterest expense to average assets | 3.7524% | 712 |
| Loan and lease loss provision to assets | 0.0899% | 2,223 |
| Net operating income to assets | 1.7069% | 645 |
| Return on assets (ROA) | 1.7168% | 679 |
| Pretax return on assets | 2.2632% | 334 |
| Return on Equity (ROE) | 18.4061% | 311 |
| Retained earnings to average equity (ytd only) | 12.2360% | 223 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5857% | 3,440 |
| Assets per employee ($millions) | 3.6582% | 4,310 |
| Cash dividends to net income (ytd only)* | 33.5219% | 2,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 4,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 82.1302% | 544 |
| Net loans and leases to deposits | 95.1442% | 1,033 |
| Net loans and leases to core deposits | 96.4588% | 1,863 |
| Total domestic deposits to total assets | 86.3218% | 1,925 |
| Equity capital to assets | 9.5675% | 4,296 |
| Core capital (leverage) ratio | 9.6248% | 3,929 |
| Tier 1 risk-based capital ratio | 11.6869% | 4,531 |
| Total risk-based capital ratio | 12.3934% | 4,691 |
| Memoranda: | ||
| Average total assets | $278,011,000 | 2,281 |
| Average earning assets | $259,023,600 | 2,282 |
| Average equity | $25,931,600 | 2,638 |
| Average total loans | $221,005,600 | 2,023 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7891% | 355 |
| Cost of funding earning assets | 0.1729% | 5,086 |
| Net interest margin | 5.6162% | 97 |
| Noninterest income to average assets | 0.8179% | 1,367 |
| Noninterest expense to average assets | 3.7625% | 689 |
| Loan and lease loss provision to assets | 0.0972% | 1,963 |
| Net operating income to assets | 1.6642% | 801 |
| Return on assets (ROA) | 1.6776% | 819 |
| Pretax return on assets | 2.2001% | 452 |
| Return on Equity (ROE) | 18.1099% | 386 |
| Retained earnings to average equity (ytd only) | 10.2406% | 698 |
| Net charge-offs to loans | 0.0012% | 3,410 |
| Credit loss provision to net charge-offs | 10,000.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 2,343.0112% | 28 |
| Efficiency ratio | 62.2648% | 3,283 |
| Assets per employee ($millions) | 3.6156% | 4,374 |
| Cash dividends to net income (ytd only)* | 43.4531% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 79.9327% | 853 |
| Net loans and leases to deposits | 89.8747% | 1,710 |
| Net loans and leases to core deposits | 90.9821% | 2,465 |
| Total domestic deposits to total assets | 88.9379% | 632 |
| Equity capital to assets | 9.3746% | 4,547 |
| Core capital (leverage) ratio | 9.4130% | 4,269 |
| Tier 1 risk-based capital ratio | 11.4240% | 4,709 |
| Total risk-based capital ratio | 12.1237% | 4,858 |
| Memoranda: | ||
| Average total assets | $274,349,750 | 2,323 |
| Average earning assets | $255,232,500 | 2,316 |
| Average equity | $25,414,500 | 2,699 |
| Average total loans | $215,746,250 | 2,070 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7865% | 345 |
| Cost of funding earning assets | 0.1908% | 5,092 |
| Net interest margin | 5.5958% | 107 |
| Noninterest income to average assets | 0.7608% | 1,474 |
| Noninterest expense to average assets | 3.7690% | 687 |
| Loan and lease loss provision to assets | 0.0740% | 2,336 |
| Net operating income to assets | 1.6306% | 851 |
| Return on assets (ROA) | 1.6458% | 852 |
| Pretax return on assets | 2.1468% | 502 |
| Return on Equity (ROE) | 16.3895% | 533 |
| Retained earnings to average equity (ytd only) | 6.8093% | 1,896 |
| Net charge-offs to loans | -0.0123% | 4,388 |
| Credit loss provision to net charge-offs | -769.2308% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1259% | 3,265 |
| Assets per employee ($millions) | 3.5298% | 4,464 |
| Cash dividends to net income (ytd only)* | 58.4532% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7083% | 4,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.7617% | 1,080 |
| Net loans and leases to deposits | 88.2835% | 1,968 |
| Net loans and leases to core deposits | 89.5194% | 2,636 |
| Total domestic deposits to total assets | 89.2145% | 586 |
| Equity capital to assets | 10.1270% | 3,859 |
| Core capital (leverage) ratio | 10.2634% | 3,319 |
| Tier 1 risk-based capital ratio | 12.7588% | 3,971 |
| Total risk-based capital ratio | 13.4684% | 4,161 |
| Memoranda: | ||
| Average total assets | $270,258,670 | 2,354 |
| Average earning assets | $251,619,000 | 2,352 |
| Average equity | $27,139,330 | 2,559 |
| Average total loans | $211,012,670 | 2,106 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 271 |
| Cost of funding earning assets | 0.1744% | 5,167 |
| Net interest margin | 5.7003% | 88 |
| Noninterest income to average assets | 0.7679% | 1,370 |
| Noninterest expense to average assets | 3.7710% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7764% | 611 |
| Return on assets (ROA) | 1.7764% | 627 |
| Pretax return on assets | 2.3203% | 344 |
| Return on Equity (ROE) | 17.7675% | 422 |
| Retained earnings to average equity (ytd only) | 7.3072% | 1,926 |
| Net charge-offs to loans | -0.0212% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9083% | 3,545 |
| Assets per employee ($millions) | 3.6766% | 4,376 |
| Cash dividends to net income (ytd only)* | 58.8730% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6900% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 77.4936% | 1,239 |
| Net loans and leases to deposits | 86.7836% | 2,024 |
| Net loans and leases to core deposits | 88.0421% | 2,678 |
| Total domestic deposits to total assets | 89.2953% | 732 |
| Equity capital to assets | 10.1116% | 3,709 |
| Core capital (leverage) ratio | 10.2456% | 3,338 |
| Tier 1 risk-based capital ratio | 13.1657% | 3,794 |
| Total risk-based capital ratio | 13.8591% | 3,975 |
| Memoranda: | ||
| Average total assets | $267,726,500 | 2,388 |
| Average earning assets | $250,020,000 | 2,380 |
| Average equity | $26,768,000 | 2,588 |
| Average total loans | $207,321,000 | 2,156 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5058% | 393 |
| Cost of funding earning assets | 0.1732% | 5,099 |
| Net interest margin | 5.3326% | 150 |
| Noninterest income to average assets | 0.7081% | 1,824 |
| Noninterest expense to average assets | 3.5826% | 893 |
| Loan and lease loss provision to assets | 0.0567% | 3,039 |
| Net operating income to assets | 1.5438% | 1,010 |
| Return on assets (ROA) | 1.5438% | 1,002 |
| Pretax return on assets | 2.0354% | 521 |
| Return on Equity (ROE) | 15.8608% | 659 |
| Retained earnings to average equity (ytd only) | 5.3801% | 2,544 |
| Net charge-offs to loans | 0.0075% | 3,418 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 369.1333% | 279 |
| Efficiency ratio | 63.1334% | 3,317 |
| Assets per employee ($millions) | 3.4238% | 4,636 |
| Cash dividends to net income (ytd only)* | 66.0793% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 4,804 |
| Loan loss allowance to noncurrent loans | 83.4206% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 2,112 |
| Noncurrent loans to loans | 0.8377% | 1,933 |
| Net loans and leases to total assets | 76.3033% | 1,558 |
| Net loans and leases to deposits | 85.1435% | 2,390 |
| Net loans and leases to core deposits | 86.2882% | 2,892 |
| Total domestic deposits to total assets | 89.6172% | 613 |
| Equity capital to assets | 9.8844% | 3,773 |
| Core capital (leverage) ratio | 9.9927% | 3,584 |
| Tier 1 risk-based capital ratio | 13.1937% | 3,728 |
| Total risk-based capital ratio | 13.8958% | 3,934 |
| Memoranda: | ||
| Average total assets | $264,666,400 | 2,373 |
| Average earning assets | $246,504,800 | 2,362 |
| Average equity | $25,761,600 | 2,584 |
| Average total loans | $199,473,200 | 2,179 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 419 |
| Cost of funding earning assets | 0.1747% | 5,121 |
| Net interest margin | 5.2554% | 164 |
| Noninterest income to average assets | 0.7437% | 1,701 |
| Noninterest expense to average assets | 3.5429% | 929 |
| Loan and lease loss provision to assets | 0.0757% | 2,445 |
| Net operating income to assets | 1.5228% | 1,143 |
| Return on assets (ROA) | 1.5228% | 1,139 |
| Pretax return on assets | 2.0156% | 597 |
| Return on Equity (ROE) | 15.7062% | 746 |
| Retained earnings to average equity (ytd only) | 7.3740% | 1,943 |
| Net charge-offs to loans | -0.0162% | 4,557 |
| Credit loss provision to net charge-offs | -625.0000% | 4,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8820% | 3,358 |
| Assets per employee ($millions) | 3.4410% | 4,636 |
| Cash dividends to net income (ytd only)* | 53.0504% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 4,812 |
| Loan loss allowance to noncurrent loans | 83.7792% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6383% | 2,276 |
| Noncurrent loans to loans | 0.8706% | 1,962 |
| Net loans and leases to total assets | 72.7770% | 2,206 |
| Net loans and leases to deposits | 80.7913% | 2,951 |
| Net loans and leases to core deposits | 82.0419% | 3,322 |
| Total domestic deposits to total assets | 90.0802% | 485 |
| Equity capital to assets | 9.5227% | 4,059 |
| Core capital (leverage) ratio | 9.7692% | 3,879 |
| Tier 1 risk-based capital ratio | 13.3744% | 3,694 |
| Total risk-based capital ratio | 14.1042% | 3,895 |
| Memoranda: | ||
| Average total assets | $264,068,500 | 2,387 |
| Average earning assets | $245,734,750 | 2,377 |
| Average equity | $25,602,750 | 2,607 |
| Average total loans | $198,039,500 | 2,200 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3569% | 420 |
| Cost of funding earning assets | 0.1807% | 5,108 |
| Net interest margin | 5.1763% | 177 |
| Noninterest income to average assets | 0.7206% | 1,791 |
| Noninterest expense to average assets | 3.5370% | 949 |
| Loan and lease loss provision to assets | 0.1152% | 1,723 |
| Net operating income to assets | 1.4136% | 1,385 |
| Return on assets (ROA) | 1.4136% | 1,388 |
| Pretax return on assets | 1.8884% | 792 |
| Return on Equity (ROE) | 14.4888% | 960 |
| Retained earnings to average equity (ytd only) | 4.2521% | 3,477 |
| Net charge-offs to loans | -0.0193% | 4,551 |
| Credit loss provision to net charge-offs | -789.4737% | 4,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8380% | 3,330 |
| Assets per employee ($millions) | 3.4321% | 4,687 |
| Cash dividends to net income (ytd only)* | 70.6522% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 4,902 |
| Loan loss allowance to noncurrent loans | 75.4756% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 2,032 |
| Noncurrent loans to loans | 0.9522% | 1,827 |
| Net loans and leases to total assets | 76.7390% | 1,520 |
| Net loans and leases to deposits | 85.4870% | 2,378 |
| Net loans and leases to core deposits | 86.9580% | 2,824 |
| Total domestic deposits to total assets | 89.7669% | 640 |
| Equity capital to assets | 9.6219% | 3,990 |
| Core capital (leverage) ratio | 10.1453% | 3,425 |
| Tier 1 risk-based capital ratio | 12.7799% | 4,018 |
| Total risk-based capital ratio | 13.4986% | 4,219 |
| Memoranda: | ||
| Average total assets | $260,332,000 | 2,419 |
| Average earning assets | $242,414,670 | 2,418 |
| Average equity | $25,399,000 | 2,639 |
| Average total loans | $196,782,330 | 2,215 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2101% | 480 |
| Cost of funding earning assets | 0.1793% | 5,120 |
| Net interest margin | 5.0307% | 222 |
| Noninterest income to average assets | 0.6750% | 1,934 |
| Noninterest expense to average assets | 3.4092% | 1,149 |
| Loan and lease loss provision to assets | 0.1548% | 1,169 |
| Net operating income to assets | 1.3423% | 1,503 |
| Return on assets (ROA) | 1.3423% | 1,518 |
| Pretax return on assets | 1.8021% | 908 |
| Return on Equity (ROE) | 13.6619% | 1,098 |
| Retained earnings to average equity (ytd only) | 11.2982% | 826 |
| Net charge-offs to loans | -0.0373% | 4,839 |
| Credit loss provision to net charge-offs | -555.5556% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5314% | 3,554 |
| Assets per employee ($millions) | 3.3824% | 4,812 |
| Cash dividends to net income (ytd only)* | 17.3010% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 4,956 |
| Loan loss allowance to noncurrent loans | 72.8021% | 3,973 |
| Noncurrent assets plus other real estate owned to assets | 0.7468% | 2,081 |
| Noncurrent loans to loans | 1.0070% | 1,811 |
| Net loans and leases to total assets | 73.6157% | 1,923 |
| Net loans and leases to deposits | 82.1396% | 2,578 |
| Net loans and leases to core deposits | 83.6746% | 3,008 |
| Total domestic deposits to total assets | 89.6227% | 826 |
| Equity capital to assets | 9.8286% | 3,766 |
| Core capital (leverage) ratio | 10.1361% | 3,377 |
| Tier 1 risk-based capital ratio | 13.4389% | 3,695 |
| Total risk-based capital ratio | 14.1648% | 3,888 |
| Memoranda: | ||
| Average total assets | $258,362,500 | 2,457 |
| Average earning assets | $240,918,500 | 2,443 |
| Average equity | $25,384,500 | 2,662 |
| Average total loans | $193,040,000 | 2,247 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3525% | 334 |
| Cost of funding earning assets | 0.2040% | 4,916 |
| Net interest margin | 5.1485% | 179 |
| Noninterest income to average assets | 0.7862% | 1,624 |
| Noninterest expense to average assets | 3.5170% | 1,005 |
| Loan and lease loss provision to assets | 0.0304% | 3,670 |
| Net operating income to assets | 1.1714% | 1,613 |
| Return on assets (ROA) | 1.1753% | 1,617 |
| Pretax return on assets | 2.0366% | 450 |
| Return on Equity (ROE) | 11.7881% | 1,268 |
| Retained earnings to average equity (ytd only) | 6.1524% | 1,458 |
| Net charge-offs to loans | -0.0034% | 4,582 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0519% | 3,769 |
| Assets per employee ($millions) | 3.6096% | 4,555 |
| Cash dividends to net income (ytd only)* | 47.8081% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 5,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.7762% | 1,797 |
| Net loans and leases to deposits | 83.4293% | 2,561 |
| Net loans and leases to core deposits | 85.0138% | 2,984 |
| Total domestic deposits to total assets | 89.6282% | 717 |
| Equity capital to assets | 9.8216% | 3,894 |
| Core capital (leverage) ratio | 9.9409% | 3,531 |
| Tier 1 risk-based capital ratio | 13.0920% | 3,854 |
| Total risk-based capital ratio | 13.7590% | 4,101 |
| Memoranda: | ||
| Average total assets | $246,487,000 | 2,513 |
| Average earning assets | $229,407,800 | 2,499 |
| Average equity | $24,575,600 | 2,703 |
| Average total loans | $177,854,400 | 2,356 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 341 |
| Cost of funding earning assets | 0.2086% | 4,898 |
| Net interest margin | 5.0888% | 193 |
| Noninterest income to average assets | 0.8097% | 1,549 |
| Noninterest expense to average assets | 3.5005% | 995 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3347% | 1,239 |
| Return on assets (ROA) | 1.3418% | 1,242 |
| Pretax return on assets | 2.0515% | 492 |
| Return on Equity (ROE) | 13.4057% | 957 |
| Retained earnings to average equity (ytd only) | 8.9026% | 878 |
| Net charge-offs to loans | -0.0031% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1729% | 3,682 |
| Assets per employee ($millions) | 3.5406% | 4,665 |
| Cash dividends to net income (ytd only)* | 33.5912% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6590% | 5,224 |
| Loan loss allowance to noncurrent loans | 1,629.3333% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,099 |
| Noncurrent loans to loans | 0.0404% | 4,932 |
| Net loans and leases to total assets | 71.2652% | 2,368 |
| Net loans and leases to deposits | 79.4648% | 3,019 |
| Net loans and leases to core deposits | 80.9515% | 3,374 |
| Total domestic deposits to total assets | 89.6815% | 584 |
| Equity capital to assets | 9.8709% | 4,058 |
| Core capital (leverage) ratio | 10.2335% | 3,270 |
| Tier 1 risk-based capital ratio | 13.4883% | 3,714 |
| Total risk-based capital ratio | 14.1317% | 3,997 |
| Memoranda: | ||
| Average total assets | $244,038,250 | 2,553 |
| Average earning assets | $226,900,000 | 2,551 |
| Average equity | $24,426,750 | 2,737 |
| Average total loans | $174,083,750 | 2,400 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3061% | 328 |
| Cost of funding earning assets | 0.2100% | 4,892 |
| Net interest margin | 5.0961% | 192 |
| Noninterest income to average assets | 0.8210% | 1,496 |
| Noninterest expense to average assets | 3.5364% | 957 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3287% | 1,219 |
| Return on assets (ROA) | 1.3293% | 1,243 |
| Pretax return on assets | 2.0123% | 516 |
| Return on Equity (ROE) | 13.2144% | 976 |
| Retained earnings to average equity (ytd only) | 7.3967% | 1,400 |
| Net charge-offs to loans | -0.0023% | 4,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7432% | 3,714 |
| Assets per employee ($millions) | 3.3728% | 4,898 |
| Cash dividends to net income (ytd only)* | 44.0252% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6892% | 5,235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 71.3993% | 2,302 |
| Net loans and leases to deposits | 79.8482% | 2,926 |
| Net loans and leases to core deposits | 81.1729% | 3,329 |
| Total domestic deposits to total assets | 89.4188% | 755 |
| Equity capital to assets | 10.0718% | 3,826 |
| Core capital (leverage) ratio | 10.3121% | 3,128 |
| Tier 1 risk-based capital ratio | 13.6283% | 3,626 |
| Total risk-based capital ratio | 14.2967% | 3,887 |
| Memoranda: | ||
| Average total assets | $239,228,670 | 2,597 |
| Average earning assets | $221,894,670 | 2,603 |
| Average equity | $24,064,670 | 2,778 |
| Average total loans | $170,305,330 | 2,438 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 344 |
| Cost of funding earning assets | 0.2139% | 4,848 |
| Net interest margin | 5.0430% | 212 |
| Noninterest income to average assets | 0.7619% | 1,700 |
| Noninterest expense to average assets | 3.3800% | 1,237 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3557% | 1,101 |
| Return on assets (ROA) | 1.3557% | 1,136 |
| Pretax return on assets | 2.0633% | 450 |
| Return on Equity (ROE) | 13.4864% | 908 |
| Retained earnings to average equity (ytd only) | 3.3589% | 3,759 |
| Net charge-offs to loans | -0.0048% | 4,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0948% | 4,136 |
| Assets per employee ($millions) | 3.5531% | 4,712 |
| Cash dividends to net income (ytd only)* | 75.0939% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 5,262 |
| Loan loss allowance to noncurrent loans | 1,173.0769% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 5,131 |
| Noncurrent loans to loans | 0.0614% | 4,954 |
| Net loans and leases to total assets | 70.6522% | 2,273 |
| Net loans and leases to deposits | 78.9214% | 2,873 |
| Net loans and leases to core deposits | 80.3757% | 3,252 |
| Total domestic deposits to total assets | 89.5222% | 888 |
| Equity capital to assets | 10.0200% | 3,728 |
| Core capital (leverage) ratio | 9.1880% | 4,496 |
| Tier 1 risk-based capital ratio | 13.5733% | 3,735 |
| Total risk-based capital ratio | 14.2708% | 3,969 |
| Memoranda: | ||
| Average total assets | $235,737,500 | 2,651 |
| Average earning assets | $218,836,500 | 2,650 |
| Average equity | $23,698,000 | 2,825 |
| Average total loans | $166,951,500 | 2,491 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0848% | 514 |
| Cost of funding earning assets | 0.2301% | 4,735 |
| Net interest margin | 4.8547% | 312 |
| Noninterest income to average assets | 0.8261% | 1,657 |
| Noninterest expense to average assets | 3.4711% | 1,219 |
| Loan and lease loss provision to assets | 0.0108% | 4,157 |
| Net operating income to assets | 1.2643% | 1,316 |
| Return on assets (ROA) | 1.3562% | 1,135 |
| Pretax return on assets | 2.0004% | 505 |
| Return on Equity (ROE) | 13.5857% | 848 |
| Retained earnings to average equity (ytd only) | 6.2280% | 1,591 |
| Net charge-offs to loans | 0.0290% | 3,441 |
| Credit loss provision to net charge-offs | 55.5556% | 3,309 |
| Earnings coverage of net charge-offs (x) | 96.4889% | 620 |
| Efficiency ratio | 64.9160% | 3,778 |
| Assets per employee ($millions) | 3.2419% | 5,110 |
| Cash dividends to net income (ytd only)* | 54.1574% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7405% | 5,268 |
| Loan loss allowance to noncurrent loans | 1,171.1538% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0446% | 5,164 |
| Noncurrent loans to loans | 0.0632% | 4,985 |
| Net loans and leases to total assets | 69.9486% | 2,477 |
| Net loans and leases to deposits | 78.2031% | 3,079 |
| Net loans and leases to core deposits | 79.6738% | 3,422 |
| Total domestic deposits to total assets | 89.4448% | 883 |
| Equity capital to assets | 10.0861% | 3,624 |
| Core capital (leverage) ratio | 9.4696% | 4,125 |
| Tier 1 risk-based capital ratio | 14.1346% | 3,390 |
| Total risk-based capital ratio | 14.8493% | 3,613 |
| Memoranda: | ||
| Average total assets | $231,452,800 | 2,653 |
| Average earning assets | $215,543,200 | 2,648 |
| Average equity | $23,105,200 | 2,884 |
| Average total loans | $155,379,600 | 2,574 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0350% | 560 |
| Cost of funding earning assets | 0.2353% | 4,747 |
| Net interest margin | 4.7997% | 366 |
| Noninterest income to average assets | 0.9519% | 1,251 |
| Noninterest expense to average assets | 3.4498% | 1,247 |
| Loan and lease loss provision to assets | 0.0144% | 3,962 |
| Net operating income to assets | 1.3312% | 1,209 |
| Return on assets (ROA) | 1.3410% | 1,263 |
| Pretax return on assets | 1.9760% | 605 |
| Return on Equity (ROE) | 13.4688% | 925 |
| Retained earnings to average equity (ytd only) | 3.6122% | 3,723 |
| Net charge-offs to loans | 0.0409% | 2,818 |
| Credit loss provision to net charge-offs | 53.1915% | 2,990 |
| Earnings coverage of net charge-offs (x) | 72.8242% | 838 |
| Efficiency ratio | 63.5812% | 3,987 |
| Assets per employee ($millions) | 3.6310% | 4,594 |
| Cash dividends to net income (ytd only)* | 73.1811% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 5,275 |
| Loan loss allowance to noncurrent loans | 1,169.2308% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 5,200 |
| Noncurrent loans to loans | 0.0658% | 5,087 |
| Net loans and leases to total assets | 64.4545% | 3,338 |
| Net loans and leases to deposits | 71.5303% | 3,838 |
| Net loans and leases to core deposits | 72.7084% | 4,104 |
| Total domestic deposits to total assets | 90.1080% | 446 |
| Equity capital to assets | 9.5998% | 4,556 |
| Core capital (leverage) ratio | 9.3108% | 4,449 |
| Tier 1 risk-based capital ratio | 14.0328% | 3,547 |
| Total risk-based capital ratio | 14.7660% | 3,758 |
| Memoranda: | ||
| Average total assets | $230,961,000 | 2,664 |
| Average earning assets | $215,285,500 | 2,655 |
| Average equity | $22,995,750 | 2,911 |
| Average total loans | $153,101,500 | 2,608 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0329% | 552 |
| Cost of funding earning assets | 0.2423% | 4,731 |
| Net interest margin | 4.7906% | 375 |
| Noninterest income to average assets | 0.9989% | 1,119 |
| Noninterest expense to average assets | 3.4656% | 1,229 |
| Loan and lease loss provision to assets | 0.0220% | 3,685 |
| Net operating income to assets | 1.3595% | 1,140 |
| Return on assets (ROA) | 1.3595% | 1,214 |
| Pretax return on assets | 1.9739% | 599 |
| Return on Equity (ROE) | 13.4812% | 930 |
| Retained earnings to average equity (ytd only) | 1.6786% | 4,712 |
| Net charge-offs to loans | 0.0634% | 2,289 |
| Credit loss provision to net charge-offs | 52.0833% | 2,646 |
| Earnings coverage of net charge-offs (x) | 47.1667% | 1,031 |
| Efficiency ratio | 63.4544% | 4,111 |
| Assets per employee ($millions) | 3.1862% | 5,224 |
| Cash dividends to net income (ytd only)* | 87.5486% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 5,304 |
| Loan loss allowance to noncurrent loans | 353.1977% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 4,828 |
| Noncurrent loans to loans | 0.2233% | 4,543 |
| Net loans and leases to total assets | 66.6174% | 2,995 |
| Net loans and leases to deposits | 74.4221% | 3,538 |
| Net loans and leases to core deposits | 75.3716% | 3,879 |
| Total domestic deposits to total assets | 89.5130% | 674 |
| Equity capital to assets | 10.0402% | 4,173 |
| Core capital (leverage) ratio | 9.6261% | 4,029 |
| Tier 1 risk-based capital ratio | 14.4722% | 3,336 |
| Total risk-based capital ratio | 15.2420% | 3,526 |
| Memoranda: | ||
| Average total assets | $226,855,670 | 2,713 |
| Average earning assets | $211,329,670 | 2,702 |
| Average equity | $22,876,330 | 2,932 |
| Average total loans | $151,462,330 | 2,627 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 742 |
| Cost of funding earning assets | 0.2487% | 4,722 |
| Net interest margin | 4.6159% | 483 |
| Noninterest income to average assets | 1.2377% | 709 |
| Noninterest expense to average assets | 3.2680% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6118% | 684 |
| Return on assets (ROA) | 1.6118% | 728 |
| Pretax return on assets | 2.2803% | 329 |
| Return on Equity (ROE) | 15.9488% | 542 |
| Retained earnings to average equity (ytd only) | 4.5443% | 3,212 |
| Net charge-offs to loans | -0.0027% | 4,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9006% | 4,886 |
| Assets per employee ($millions) | 3.5916% | 4,665 |
| Cash dividends to net income (ytd only)* | 71.5072% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 5,303 |
| Loan loss allowance to noncurrent loans | 86.6434% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 3,077 |
| Noncurrent loans to loans | 0.9502% | 2,477 |
| Net loans and leases to total assets | 64.9330% | 3,117 |
| Net loans and leases to deposits | 72.5581% | 3,598 |
| Net loans and leases to core deposits | 73.5899% | 3,933 |
| Total domestic deposits to total assets | 89.4910% | 838 |
| Equity capital to assets | 9.9835% | 4,099 |
| Core capital (leverage) ratio | 9.9227% | 3,635 |
| Tier 1 risk-based capital ratio | 14.9437% | 3,189 |
| Total risk-based capital ratio | 15.7555% | 3,327 |
| Memoranda: | ||
| Average total assets | $225,580,000 | 2,728 |
| Average earning assets | $210,662,000 | 2,709 |
| Average equity | $22,798,000 | 2,946 |
| Average total loans | $150,173,500 | 2,647 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0847% | 532 |
| Cost of funding earning assets | 0.2675% | 4,617 |
| Net interest margin | 4.8172% | 358 |
| Noninterest income to average assets | 0.8251% | 1,693 |
| Noninterest expense to average assets | 3.3800% | 1,530 |
| Loan and lease loss provision to assets | 0.0583% | 3,145 |
| Net operating income to assets | 1.1886% | 1,593 |
| Return on assets (ROA) | 1.1886% | 1,667 |
| Pretax return on assets | 1.8489% | 728 |
| Return on Equity (ROE) | 11.5432% | 1,428 |
| Retained earnings to average equity (ytd only) | 4.8992% | 2,496 |
| Net charge-offs to loans | 0.1833% | 1,570 |
| Credit loss provision to net charge-offs | 46.9925% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.3647% | 2,207 |
| Efficiency ratio | 63.9276% | 4,278 |
| Assets per employee ($millions) | 3.4578% | 4,898 |
| Cash dividends to net income (ytd only)* | 57.5579% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 5,337 |
| Loan loss allowance to noncurrent loans | 102.8239% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 3,473 |
| Noncurrent loans to loans | 0.8035% | 2,779 |
| Net loans and leases to total assets | 67.1554% | 2,839 |
| Net loans and leases to deposits | 75.1986% | 3,352 |
| Net loans and leases to core deposits | 76.3107% | 3,728 |
| Total domestic deposits to total assets | 89.3041% | 964 |
| Equity capital to assets | 10.2341% | 3,702 |
| Core capital (leverage) ratio | 9.8254% | 3,742 |
| Tier 1 risk-based capital ratio | 14.9907% | 3,184 |
| Total risk-based capital ratio | 15.8138% | 3,323 |
| Memoranda: | ||
| Average total assets | $214,289,000 | 2,798 |
| Average earning assets | $198,496,800 | 2,796 |
| Average equity | $22,065,000 | 2,968 |
| Average total loans | $145,079,000 | 2,668 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 543 |
| Cost of funding earning assets | 0.2734% | 4,631 |
| Net interest margin | 4.7983% | 380 |
| Noninterest income to average assets | 0.8024% | 1,795 |
| Noninterest expense to average assets | 3.3938% | 1,490 |
| Loan and lease loss provision to assets | 0.0784% | 2,606 |
| Net operating income to assets | 1.1279% | 1,903 |
| Return on assets (ROA) | 1.1279% | 1,978 |
| Pretax return on assets | 1.7678% | 958 |
| Return on Equity (ROE) | 10.9368% | 1,732 |
| Retained earnings to average equity (ytd only) | 3.2361% | 4,157 |
| Net charge-offs to loans | 0.2465% | 1,062 |
| Credit loss provision to net charge-offs | 46.9925% | 3,071 |
| Earnings coverage of net charge-offs (x) | 11.0638% | 2,536 |
| Efficiency ratio | 64.7671% | 4,106 |
| Assets per employee ($millions) | 3.4807% | 4,824 |
| Cash dividends to net income (ytd only)* | 70.4118% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 5,372 |
| Loan loss allowance to noncurrent loans | 85.7935% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 3,313 |
| Noncurrent loans to loans | 0.9892% | 2,516 |
| Net loans and leases to total assets | 64.9316% | 3,166 |
| Net loans and leases to deposits | 72.3266% | 3,730 |
| Net loans and leases to core deposits | 73.2633% | 4,080 |
| Total domestic deposits to total assets | 89.7756% | 666 |
| Equity capital to assets | 9.9218% | 4,261 |
| Core capital (leverage) ratio | 9.8592% | 3,822 |
| Tier 1 risk-based capital ratio | 15.2350% | 3,172 |
| Total risk-based capital ratio | 16.0923% | 3,317 |
| Memoranda: | ||
| Average total assets | $212,536,250 | 2,838 |
| Average earning assets | $196,564,250 | 2,838 |
| Average equity | $21,919,250 | 2,998 |
| Average total loans | $143,885,500 | 2,698 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1367% | 468 |
| Cost of funding earning assets | 0.2798% | 4,618 |
| Net interest margin | 4.8569% | 324 |
| Noninterest income to average assets | 0.8263% | 1,672 |
| Noninterest expense to average assets | 3.4295% | 1,416 |
| Loan and lease loss provision to assets | 0.1195% | 1,852 |
| Net operating income to assets | 1.1084% | 1,917 |
| Return on assets (ROA) | 1.1084% | 2,003 |
| Pretax return on assets | 1.7587% | 958 |
| Return on Equity (ROE) | 10.6047% | 1,808 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,143 |
| Net charge-offs to loans | 0.3770% | 693 |
| Credit loss provision to net charge-offs | 46.2963% | 2,742 |
| Earnings coverage of net charge-offs (x) | 7.2741% | 2,685 |
| Efficiency ratio | 64.6126% | 4,257 |
| Assets per employee ($millions) | 3.3793% | 5,023 |
| Cash dividends to net income (ytd only)* | 41.9327% | 2,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 5,441 |
| Loan loss allowance to noncurrent loans | 135.0109% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 3,930 |
| Noncurrent loans to loans | 0.6359% | 3,568 |
| Net loans and leases to total assets | 66.9346% | 2,796 |
| Net loans and leases to deposits | 75.1684% | 3,366 |
| Net loans and leases to core deposits | 76.2986% | 3,738 |
| Total domestic deposits to total assets | 89.0461% | 1,117 |
| Equity capital to assets | 10.4235% | 3,528 |
| Core capital (leverage) ratio | 10.2882% | 3,230 |
| Tier 1 risk-based capital ratio | 15.6483% | 3,025 |
| Total risk-based capital ratio | 16.5198% | 3,151 |
| Memoranda: | ||
| Average total assets | $209,127,670 | 2,900 |
| Average earning assets | $192,963,670 | 2,903 |
| Average equity | $21,858,330 | 3,013 |
| Average total loans | $143,220,330 | 2,714 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1314% | 462 |
| Cost of funding earning assets | 0.2781% | 4,691 |
| Net interest margin | 4.8533% | 317 |
| Noninterest income to average assets | 0.8068% | 1,689 |
| Noninterest expense to average assets | 3.4838% | 1,351 |
| Loan and lease loss provision to assets | 0.0483% | 2,965 |
| Net operating income to assets | 1.0635% | 1,989 |
| Return on assets (ROA) | 1.0635% | 2,118 |
| Pretax return on assets | 1.7544% | 945 |
| Return on Equity (ROE) | 10.1604% | 1,925 |
| Retained earnings to average equity (ytd only) | 4.3334% | 3,413 |
| Net charge-offs to loans | -0.0280% | 5,210 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9000% | 4,177 |
| Assets per employee ($millions) | 3.2841% | 5,266 |
| Cash dividends to net income (ytd only)* | 57.3503% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 5,129 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 4,263 |
| Noncurrent loans to loans | 0.4899% | 4,109 |
| Net loans and leases to total assets | 67.9936% | 2,440 |
| Net loans and leases to deposits | 76.3399% | 3,014 |
| Net loans and leases to core deposits | 77.7677% | 3,405 |
| Total domestic deposits to total assets | 89.0670% | 1,216 |
| Equity capital to assets | 10.3939% | 3,657 |
| Core capital (leverage) ratio | 10.3851% | 3,114 |
| Tier 1 risk-based capital ratio | 15.5558% | 3,119 |
| Total risk-based capital ratio | 16.5693% | 3,180 |
| Memoranda: | ||
| Average total assets | $207,245,000 | 2,940 |
| Average earning assets | $191,293,500 | 2,934 |
| Average equity | $21,692,000 | 3,048 |
| Average total loans | $142,964,000 | 2,717 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 522 |
| Cost of funding earning assets | 0.3282% | 4,513 |
| Net interest margin | 4.8687% | 376 |
| Noninterest income to average assets | 0.7437% | 2,108 |
| Noninterest expense to average assets | 3.5713% | 1,352 |
| Loan and lease loss provision to assets | 0.0746% | 2,993 |
| Net operating income to assets | 1.0509% | 2,157 |
| Return on assets (ROA) | 1.0509% | 2,228 |
| Pretax return on assets | 1.5674% | 1,330 |
| Return on Equity (ROE) | 9.6784% | 2,262 |
| Retained earnings to average equity (ytd only) | -2.2800% | 6,040 |
| Net charge-offs to loans | 0.0705% | 3,469 |
| Credit loss provision to net charge-offs | 154.6392% | 1,571 |
| Earnings coverage of net charge-offs (x) | 34.0515% | 1,216 |
| Efficiency ratio | 68.5039% | 3,807 |
| Assets per employee ($millions) | 3.0494% | 5,633 |
| Cash dividends to net income (ytd only)* | 123.5572% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 5,182 |
| Loan loss allowance to noncurrent loans | 156.3492% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 3,978 |
| Noncurrent loans to loans | 0.6229% | 3,821 |
| Net loans and leases to total assets | 68.6339% | 2,468 |
| Net loans and leases to deposits | 77.0578% | 3,077 |
| Net loans and leases to core deposits | 78.6510% | 3,448 |
| Total domestic deposits to total assets | 89.0681% | 1,203 |
| Equity capital to assets | 10.5418% | 3,425 |
| Core capital (leverage) ratio | 10.2798% | 3,196 |
| Tier 1 risk-based capital ratio | 15.6976% | 3,127 |
| Total risk-based capital ratio | 16.7059% | 3,185 |
| Memoranda: | ||
| Average total assets | $201,158,600 | 2,974 |
| Average earning assets | $184,669,600 | 2,979 |
| Average equity | $21,842,400 | 2,966 |
| Average total loans | $137,592,200 | 2,743 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2114% | 508 |
| Cost of funding earning assets | 0.3390% | 4,477 |
| Net interest margin | 4.8724% | 360 |
| Noninterest income to average assets | 0.7340% | 2,165 |
| Noninterest expense to average assets | 3.6072% | 1,285 |
| Loan and lease loss provision to assets | 0.0665% | 3,017 |
| Net operating income to assets | 1.0447% | 2,258 |
| Return on assets (ROA) | 1.0447% | 2,319 |
| Pretax return on assets | 1.5265% | 1,561 |
| Return on Equity (ROE) | 9.5503% | 2,425 |
| Retained earnings to average equity (ytd only) | -2.8103% | 6,128 |
| Net charge-offs to loans | 0.0937% | 2,872 |
| Credit loss provision to net charge-offs | 104.1667% | 2,125 |
| Earnings coverage of net charge-offs (x) | 24.9369% | 1,522 |
| Efficiency ratio | 69.3666% | 3,616 |
| Assets per employee ($millions) | 3.2181% | 5,391 |
| Cash dividends to net income (ytd only)* | 129.4270% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 5,347 |
| Loan loss allowance to noncurrent loans | 113.3845% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 3,610 |
| Noncurrent loans to loans | 0.8551% | 3,427 |
| Net loans and leases to total assets | 65.9560% | 2,879 |
| Net loans and leases to deposits | 74.1242% | 3,419 |
| Net loans and leases to core deposits | 75.7503% | 3,773 |
| Total domestic deposits to total assets | 88.9804% | 1,251 |
| Equity capital to assets | 10.4525% | 3,622 |
| Core capital (leverage) ratio | 10.4043% | 3,151 |
| Tier 1 risk-based capital ratio | 16.1147% | 3,006 |
| Total risk-based capital ratio | 17.1114% | 3,067 |
| Memoranda: | ||
| Average total assets | $200,370,750 | 3,012 |
| Average earning assets | $183,668,500 | 3,015 |
| Average equity | $21,918,500 | 2,959 |
| Average total loans | $136,589,000 | 2,767 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 498 |
| Cost of funding earning assets | 0.3555% | 4,372 |
| Net interest margin | 4.8544% | 375 |
| Noninterest income to average assets | 0.7244% | 2,166 |
| Noninterest expense to average assets | 3.6392% | 1,226 |
| Loan and lease loss provision to assets | 0.1008% | 2,337 |
| Net operating income to assets | 0.9813% | 2,401 |
| Return on assets (ROA) | 0.9813% | 2,478 |
| Pretax return on assets | 1.4287% | 1,791 |
| Return on Equity (ROE) | 8.8350% | 2,676 |
| Retained earnings to average equity (ytd only) | -0.0544% | 5,690 |
| Net charge-offs to loans | 0.1261% | 2,405 |
| Credit loss provision to net charge-offs | 116.2791% | 1,749 |
| Earnings coverage of net charge-offs (x) | 17.6512% | 1,722 |
| Efficiency ratio | 70.4094% | 3,590 |
| Assets per employee ($millions) | 3.1437% | 5,522 |
| Cash dividends to net income (ytd only)* | 100.6160% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 5,472 |
| Loan loss allowance to noncurrent loans | 113.1757% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 3,063 |
| Noncurrent loans to loans | 0.8594% | 3,553 |
| Net loans and leases to total assets | 67.8080% | 2,438 |
| Net loans and leases to deposits | 76.7818% | 2,956 |
| Net loans and leases to core deposits | 78.5284% | 3,376 |
| Total domestic deposits to total assets | 88.3126% | 1,729 |
| Equity capital to assets | 10.9295% | 2,947 |
| Core capital (leverage) ratio | 10.7685% | 2,655 |
| Tier 1 risk-based capital ratio | 16.4945% | 2,832 |
| Total risk-based capital ratio | 17.5010% | 2,904 |
| Memoranda: | ||
| Average total assets | $198,507,670 | 3,050 |
| Average earning assets | $181,730,330 | 3,058 |
| Average equity | $22,048,670 | 2,943 |
| Average total loans | $136,394,330 | 2,772 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1552% | 529 |
| Cost of funding earning assets | 0.3681% | 4,342 |
| Net interest margin | 4.7871% | 394 |
| Noninterest income to average assets | 0.6675% | 2,360 |
| Noninterest expense to average assets | 3.5808% | 1,340 |
| Loan and lease loss provision to assets | 0.1217% | 1,975 |
| Net operating income to assets | 0.9312% | 2,499 |
| Return on assets (ROA) | 0.9312% | 2,571 |
| Pretax return on assets | 1.3451% | 1,933 |
| Return on Equity (ROE) | 8.3160% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.3160% | 1,491 |
| Net charge-offs to loans | 0.2181% | 1,452 |
| Credit loss provision to net charge-offs | 81.0811% | 1,889 |
| Earnings coverage of net charge-offs (x) | 9.7703% | 1,910 |
| Efficiency ratio | 70.9405% | 3,661 |
| Assets per employee ($millions) | 3.0535% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 5,648 |
| Loan loss allowance to noncurrent loans | 128.1250% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 3,636 |
| Noncurrent loans to loans | 0.7542% | 3,980 |
| Net loans and leases to total assets | 67.7456% | 2,262 |
| Net loans and leases to deposits | 76.8116% | 2,712 |
| Net loans and leases to core deposits | 78.5564% | 3,143 |
| Total domestic deposits to total assets | 88.1970% | 2,112 |
| Equity capital to assets | 11.2599% | 2,469 |
| Core capital (leverage) ratio | 11.3021% | 2,133 |
| Tier 1 risk-based capital ratio | 16.9299% | 2,724 |
| Total risk-based capital ratio | 17.9203% | 2,791 |
| Memoranda: | ||
| Average total assets | $197,162,000 | 3,086 |
| Average earning assets | $180,400,000 | 3,092 |
| Average equity | $22,078,000 | 2,933 |
| Average total loans | $135,707,000 | 2,801 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 646 |
| Cost of funding earning assets | 0.4269% | 4,352 |
| Net interest margin | 4.7675% | 458 |
| Noninterest income to average assets | 0.9365% | 1,560 |
| Noninterest expense to average assets | 3.7668% | 1,190 |
| Loan and lease loss provision to assets | 0.0819% | 3,476 |
| Net operating income to assets | 0.9820% | 2,409 |
| Return on assets (ROA) | 0.9820% | 2,479 |
| Pretax return on assets | 1.4505% | 1,613 |
| Return on Equity (ROE) | 8.7775% | 2,653 |
| Retained earnings to average equity (ytd only) | 1.3638% | 5,215 |
| Net charge-offs to loans | 0.1904% | 2,940 |
| Credit loss provision to net charge-offs | 62.7451% | 3,483 |
| Earnings coverage of net charge-offs (x) | 11.7373% | 2,206 |
| Efficiency ratio | 71.0821% | 3,653 |
| Assets per employee ($millions) | 3.2106% | 5,470 |
| Cash dividends to net income (ytd only)* | 84.4630% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 5,674 |
| Loan loss allowance to noncurrent loans | 108.5995% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 3,149 |
| Noncurrent loans to loans | 0.9002% | 3,736 |
| Net loans and leases to total assets | 68.5824% | 2,241 |
| Net loans and leases to deposits | 77.6310% | 2,772 |
| Net loans and leases to core deposits | 79.4203% | 3,195 |
| Total domestic deposits to total assets | 88.3441% | 1,983 |
| Equity capital to assets | 11.1351% | 2,494 |
| Core capital (leverage) ratio | 10.9334% | 2,448 |
| Tier 1 risk-based capital ratio | 16.8319% | 2,689 |
| Total risk-based capital ratio | 17.8480% | 2,768 |
| Memoranda: | ||
| Average total assets | $195,311,000 | 3,084 |
| Average earning assets | $178,729,200 | 3,086 |
| Average equity | $21,851,400 | 2,941 |
| Average total loans | $133,936,000 | 2,791 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1531% | 708 |
| Cost of funding earning assets | 0.4336% | 4,465 |
| Net interest margin | 4.7195% | 500 |
| Noninterest income to average assets | 1.0083% | 1,428 |
| Noninterest expense to average assets | 3.7995% | 1,082 |
| Loan and lease loss provision to assets | 0.0581% | 3,886 |
| Net operating income to assets | 0.9475% | 2,608 |
| Return on assets (ROA) | 0.9475% | 2,713 |
| Pretax return on assets | 1.4708% | 1,698 |
| Return on Equity (ROE) | 8.4588% | 2,899 |
| Retained earnings to average equity (ytd only) | 3.2140% | 4,389 |
| Net charge-offs to loans | 0.1578% | 2,974 |
| Credit loss provision to net charge-offs | 53.7975% | 3,422 |
| Earnings coverage of net charge-offs (x) | 14.1647% | 1,964 |
| Efficiency ratio | 71.3077% | 3,551 |
| Assets per employee ($millions) | 3.2714% | 5,340 |
| Cash dividends to net income (ytd only)* | 62.0043% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 5,742 |
| Loan loss allowance to noncurrent loans | 133.7302% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.9386% | 3,791 |
| Noncurrent loans to loans | 0.7447% | 4,356 |
| Net loans and leases to total assets | 67.1551% | 2,435 |
| Net loans and leases to deposits | 75.9610% | 2,970 |
| Net loans and leases to core deposits | 77.8691% | 3,378 |
| Total domestic deposits to total assets | 88.4073% | 1,888 |
| Equity capital to assets | 11.0230% | 2,734 |
| Core capital (leverage) ratio | 11.0451% | 2,436 |
| Tier 1 risk-based capital ratio | 17.2941% | 2,588 |
| Total risk-based capital ratio | 18.3444% | 2,633 |
| Memoranda: | ||
| Average total assets | $195,176,500 | 3,110 |
| Average earning assets | $178,659,250 | 3,114 |
| Average equity | $21,862,250 | 2,980 |
| Average total loans | $133,509,000 | 2,814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1455% | 701 |
| Cost of funding earning assets | 0.4373% | 4,578 |
| Net interest margin | 4.7081% | 499 |
| Noninterest income to average assets | 1.0335% | 1,427 |
| Noninterest expense to average assets | 3.8644% | 1,020 |
| Loan and lease loss provision to assets | 0.0723% | 3,592 |
| Net operating income to assets | 0.9240% | 2,684 |
| Return on assets (ROA) | 0.9240% | 2,821 |
| Pretax return on assets | 1.4093% | 1,897 |
| Return on Equity (ROE) | 8.2045% | 2,988 |
| Retained earnings to average equity (ytd only) | 0.3208% | 5,764 |
| Net charge-offs to loans | 0.1475% | 2,924 |
| Credit loss provision to net charge-offs | 71.4286% | 2,789 |
| Earnings coverage of net charge-offs (x) | 14.6429% | 1,815 |
| Efficiency ratio | 72.2866% | 3,422 |
| Assets per employee ($millions) | 3.2797% | 5,313 |
| Cash dividends to net income (ytd only)* | 96.0894% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 5,659 |
| Loan loss allowance to noncurrent loans | 124.9327% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8675% | 4,072 |
| Noncurrent loans to loans | 0.8348% | 4,246 |
| Net loans and leases to total assets | 67.1682% | 2,384 |
| Net loans and leases to deposits | 76.0660% | 2,867 |
| Net loans and leases to core deposits | 77.8739% | 3,312 |
| Total domestic deposits to total assets | 88.3026% | 2,043 |
| Equity capital to assets | 10.9529% | 2,795 |
| Core capital (leverage) ratio | 11.1577% | 2,207 |
| Tier 1 risk-based capital ratio | 17.6116% | 2,472 |
| Total risk-based capital ratio | 18.7420% | 2,487 |
| Memoranda: | ||
| Average total assets | $193,716,670 | 3,144 |
| Average earning assets | $177,437,670 | 3,150 |
| Average equity | $21,817,330 | 3,004 |
| Average total loans | $132,892,000 | 2,823 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 739 |
| Cost of funding earning assets | 0.4421% | 4,684 |
| Net interest margin | 4.6577% | 516 |
| Noninterest income to average assets | 1.0740% | 1,287 |
| Noninterest expense to average assets | 3.8567% | 1,050 |
| Loan and lease loss provision to assets | 0.0833% | 3,263 |
| Net operating income to assets | 0.9095% | 2,602 |
| Return on assets (ROA) | 0.9095% | 2,754 |
| Pretax return on assets | 1.3882% | 1,893 |
| Return on Equity (ROE) | 7.9637% | 2,992 |
| Retained earnings to average equity (ytd only) | 7.9637% | 1,762 |
| Net charge-offs to loans | 0.0604% | 3,214 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 35.3500% | 869 |
| Efficiency ratio | 72.3828% | 3,543 |
| Assets per employee ($millions) | 3.2306% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,640 |
| Loan loss allowance to noncurrent loans | 105.2555% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 3,797 |
| Noncurrent loans to loans | 1.0365% | 4,065 |
| Net loans and leases to total assets | 67.4440% | 2,114 |
| Net loans and leases to deposits | 76.6601% | 2,529 |
| Net loans and leases to core deposits | 78.3499% | 3,010 |
| Total domestic deposits to total assets | 87.9779% | 2,328 |
| Equity capital to assets | 11.4329% | 2,477 |
| Core capital (leverage) ratio | 11.5184% | 1,870 |
| Tier 1 risk-based capital ratio | 18.1201% | 2,311 |
| Total risk-based capital ratio | 19.3021% | 2,303 |
| Memoranda: | ||
| Average total assets | $192,185,500 | 3,194 |
| Average earning assets | $175,538,500 | 3,204 |
| Average equity | $21,949,500 | 3,031 |
| Average total loans | $132,555,000 | 2,855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6015% | 506 |
| Cost of funding earning assets | 0.5176% | 5,091 |
| Net interest margin | 5.0839% | 332 |
| Noninterest income to average assets | 0.7267% | 2,600 |
| Noninterest expense to average assets | 3.6684% | 1,468 |
| Loan and lease loss provision to assets | 0.0431% | 5,313 |
| Net operating income to assets | 1.0779% | 2,017 |
| Return on assets (ROA) | 1.0779% | 2,206 |
| Pretax return on assets | 1.6553% | 1,247 |
| Return on Equity (ROE) | 9.2563% | 2,514 |
| Retained earnings to average equity (ytd only) | 1.6699% | 5,024 |
| Net charge-offs to loans | 0.1082% | 4,584 |
| Credit loss provision to net charge-offs | 56.7376% | 4,531 |
| Earnings coverage of net charge-offs (x) | 22.3617% | 1,268 |
| Efficiency ratio | 68.3529% | 4,078 |
| Assets per employee ($millions) | 3.0244% | 5,980 |
| Cash dividends to net income (ytd only)* | 81.9590% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 5,679 |
| Loan loss allowance to noncurrent loans | 202.4217% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 4,713 |
| Noncurrent loans to loans | 0.5281% | 5,208 |
| Net loans and leases to total assets | 69.0248% | 2,030 |
| Net loans and leases to deposits | 78.4806% | 2,466 |
| Net loans and leases to core deposits | 79.9923% | 3,000 |
| Total domestic deposits to total assets | 87.9514% | 2,271 |
| Equity capital to assets | 11.4089% | 2,529 |
| Core capital (leverage) ratio | 11.3745% | 1,958 |
| Tier 1 risk-based capital ratio | 17.6876% | 2,386 |
| Total risk-based capital ratio | 18.8475% | 2,381 |
| Memoranda: | ||
| Average total assets | $185,641,000 | 3,231 |
| Average earning assets | $169,437,800 | 3,238 |
| Average equity | $21,617,600 | 3,023 |
| Average total loans | $130,361,400 | 2,883 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6687% | 493 |
| Cost of funding earning assets | 0.5348% | 5,216 |
| Net interest margin | 5.1339% | 318 |
| Noninterest income to average assets | 0.5965% | 3,300 |
| Noninterest expense to average assets | 3.6604% | 1,432 |
| Loan and lease loss provision to assets | 0.0434% | 5,233 |
| Net operating income to assets | 1.0020% | 2,486 |
| Return on assets (ROA) | 1.0020% | 2,722 |
| Pretax return on assets | 1.5775% | 1,650 |
| Return on Equity (ROE) | 8.5603% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.0016% | 4,752 |
| Net charge-offs to loans | 0.1038% | 4,358 |
| Credit loss provision to net charge-offs | 59.4059% | 4,155 |
| Earnings coverage of net charge-offs (x) | 22.1986% | 1,359 |
| Efficiency ratio | 69.3087% | 3,813 |
| Assets per employee ($millions) | 2.9121% | 6,197 |
| Cash dividends to net income (ytd only)* | 64.9352% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 5,656 |
| Loan loss allowance to noncurrent loans | 306.1571% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.8258% | 4,641 |
| Noncurrent loans to loans | 0.3644% | 5,752 |
| Net loans and leases to total assets | 68.5718% | 2,199 |
| Net loans and leases to deposits | 78.4044% | 2,608 |
| Net loans and leases to core deposits | 79.9450% | 3,211 |
| Total domestic deposits to total assets | 87.4591% | 2,376 |
| Equity capital to assets | 11.7382% | 2,494 |
| Core capital (leverage) ratio | 11.6985% | 1,845 |
| Tier 1 risk-based capital ratio | 18.3620% | 2,212 |
| Total risk-based capital ratio | 19.5770% | 2,198 |
| Memoranda: | ||
| Average total assets | $184,417,250 | 3,283 |
| Average earning assets | $168,287,500 | 3,284 |
| Average equity | $21,587,500 | 3,048 |
| Average total loans | $129,717,250 | 2,922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7433% | 447 |
| Cost of funding earning assets | 0.5553% | 5,266 |
| Net interest margin | 5.1880% | 294 |
| Noninterest income to average assets | 0.5398% | 3,656 |
| Noninterest expense to average assets | 3.6547% | 1,459 |
| Loan and lease loss provision to assets | 0.0653% | 4,826 |
| Net operating income to assets | 0.9904% | 2,506 |
| Return on assets (ROA) | 0.9904% | 2,736 |
| Pretax return on assets | 1.5378% | 1,756 |
| Return on Equity (ROE) | 8.4687% | 3,031 |
| Retained earnings to average equity (ytd only) | 0.0931% | 6,010 |
| Net charge-offs to loans | 0.1386% | 3,810 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 16.3667% | 1,596 |
| Efficiency ratio | 69.5094% | 3,847 |
| Assets per employee ($millions) | 2.8898% | 6,255 |
| Cash dividends to net income (ytd only)* | 98.9011% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 5,718 |
| Loan loss allowance to noncurrent loans | 254.9123% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4366% | 3,556 |
| Noncurrent loans to loans | 0.4379% | 5,660 |
| Net loans and leases to total assets | 69.5980% | 1,990 |
| Net loans and leases to deposits | 79.3307% | 2,476 |
| Net loans and leases to core deposits | 80.7642% | 3,121 |
| Total domestic deposits to total assets | 87.7315% | 2,315 |
| Equity capital to assets | 11.5396% | 2,551 |
| Core capital (leverage) ratio | 11.5799% | 1,849 |
| Tier 1 risk-based capital ratio | 17.9499% | 2,306 |
| Total risk-based capital ratio | 19.1734% | 2,285 |
| Memoranda: | ||
| Average total assets | $183,765,000 | 3,298 |
| Average earning assets | $167,117,000 | 3,311 |
| Average equity | $21,491,000 | 3,045 |
| Average total loans | $129,875,670 | 2,930 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8281% | 409 |
| Cost of funding earning assets | 0.5773% | 5,299 |
| Net interest margin | 5.2508% | 277 |
| Noninterest income to average assets | 0.5372% | 3,650 |
| Noninterest expense to average assets | 3.5922% | 1,575 |
| Loan and lease loss provision to assets | 0.1310% | 3,708 |
| Net operating income to assets | 1.0045% | 2,469 |
| Return on assets (ROA) | 1.0045% | 2,657 |
| Pretax return on assets | 1.5810% | 1,632 |
| Return on Equity (ROE) | 8.5321% | 3,040 |
| Retained earnings to average equity (ytd only) | 8.5321% | 1,768 |
| Net charge-offs to loans | 0.1110% | 3,461 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 21.7778% | 1,145 |
| Efficiency ratio | 67.7233% | 4,223 |
| Assets per employee ($millions) | 2.9359% | 6,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 5,664 |
| Loan loss allowance to noncurrent loans | 116.1912% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.8252% | 3,144 |
| Noncurrent loans to loans | 1.0005% | 4,675 |
| Net loans and leases to total assets | 69.2704% | 1,894 |
| Net loans and leases to deposits | 79.0674% | 2,334 |
| Net loans and leases to core deposits | 80.3633% | 3,030 |
| Total domestic deposits to total assets | 87.6093% | 2,584 |
| Equity capital to assets | 11.7797% | 2,199 |
| Core capital (leverage) ratio | 11.9517% | 1,616 |
| Tier 1 risk-based capital ratio | 18.4588% | 2,157 |
| Total risk-based capital ratio | 19.7088% | 2,128 |
| Memoranda: | ||
| Average total assets | $183,175,000 | 3,333 |
| Average earning assets | $166,298,000 | 3,345 |
| Average equity | $21,565,500 | 3,029 |
| Average total loans | $129,728,000 | 2,946 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0669% | 387 |
| Cost of funding earning assets | 0.9278% | 3,897 |
| Net interest margin | 5.1391% | 317 |
| Noninterest income to average assets | 0.5556% | 3,466 |
| Noninterest expense to average assets | 3.5746% | 1,793 |
| Loan and lease loss provision to assets | 0.4385% | 2,401 |
| Net operating income to assets | 0.8726% | 2,724 |
| Return on assets (ROA) | 0.8726% | 2,866 |
| Pretax return on assets | 1.1851% | 2,507 |
| Return on Equity (ROE) | 7.3772% | 3,209 |
| Retained earnings to average equity (ytd only) | 1.0418% | 5,373 |
| Net charge-offs to loans | 0.5236% | 2,900 |
| Credit loss provision to net charge-offs | 112.0567% | 2,949 |
| Earnings coverage of net charge-offs (x) | 4.1489% | 3,244 |
| Efficiency ratio | 68.7667% | 4,196 |
| Assets per employee ($millions) | 2.9256% | 6,236 |
| Cash dividends to net income (ytd only)* | 85.8779% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 5,656 |
| Loan loss allowance to noncurrent loans | 107.5417% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 2.1826% | 2,753 |
| Noncurrent loans to loans | 1.0622% | 4,584 |
| Net loans and leases to total assets | 70.7555% | 1,876 |
| Net loans and leases to deposits | 80.9106% | 2,376 |
| Net loans and leases to core deposits | 82.5027% | 3,108 |
| Total domestic deposits to total assets | 87.4490% | 2,495 |
| Equity capital to assets | 11.7665% | 2,291 |
| Core capital (leverage) ratio | 11.6056% | 1,819 |
| Tier 1 risk-based capital ratio | 18.1046% | 2,156 |
| Total risk-based capital ratio | 19.3546% | 2,130 |
| Memoranda: | ||
| Average total assets | $180,161,000 | 3,332 |
| Average earning assets | $162,753,200 | 3,351 |
| Average equity | $21,309,000 | 2,975 |
| Average total loans | $134,635,000 | 2,908 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1098% | 386 |
| Cost of funding earning assets | 0.9726% | 3,865 |
| Net interest margin | 5.1372% | 316 |
| Noninterest income to average assets | 0.5360% | 3,611 |
| Noninterest expense to average assets | 3.6051% | 1,699 |
| Loan and lease loss provision to assets | 0.4522% | 2,203 |
| Net operating income to assets | 0.8525% | 2,930 |
| Return on assets (ROA) | 0.8525% | 3,087 |
| Pretax return on assets | 1.1150% | 2,946 |
| Return on Equity (ROE) | 7.1984% | 3,428 |
| Retained earnings to average equity (ytd only) | 2.5038% | 4,868 |
| Net charge-offs to loans | 0.6478% | 2,306 |
| Credit loss provision to net charge-offs | 92.4242% | 3,689 |
| Earnings coverage of net charge-offs (x) | 3.2030% | 3,540 |
| Efficiency ratio | 69.7004% | 4,003 |
| Assets per employee ($millions) | 3.0862% | 5,929 |
| Cash dividends to net income (ytd only)* | 65.2175% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 6,239 |
| Loan loss allowance to noncurrent loans | 118.3494% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 2.2174% | 2,872 |
| Noncurrent loans to loans | 0.8494% | 5,171 |
| Net loans and leases to total assets | 71.6900% | 1,776 |
| Net loans and leases to deposits | 82.0624% | 2,345 |
| Net loans and leases to core deposits | 83.5651% | 3,118 |
| Total domestic deposits to total assets | 87.3603% | 2,433 |
| Equity capital to assets | 11.6136% | 2,572 |
| Core capital (leverage) ratio | 11.6592% | 1,914 |
| Tier 1 risk-based capital ratio | 17.7808% | 2,338 |
| Total risk-based capital ratio | 18.8960% | 2,352 |
| Memoranda: | ||
| Average total assets | $179,854,250 | 3,348 |
| Average earning assets | $162,314,000 | 3,380 |
| Average equity | $21,300,500 | 2,972 |
| Average total loans | $135,837,500 | 2,909 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2275% | 318 |
| Cost of funding earning assets | 1.0119% | 3,876 |
| Net interest margin | 5.2155% | 270 |
| Noninterest income to average assets | 0.5537% | 3,455 |
| Noninterest expense to average assets | 3.6287% | 1,680 |
| Loan and lease loss provision to assets | 0.4829% | 2,040 |
| Net operating income to assets | 0.9355% | 2,493 |
| Return on assets (ROA) | 0.9355% | 2,594 |
| Pretax return on assets | 1.1422% | 2,691 |
| Return on Equity (ROE) | 7.8465% | 3,018 |
| Retained earnings to average equity (ytd only) | 0.7818% | 5,545 |
| Net charge-offs to loans | 0.3519% | 3,146 |
| Credit loss provision to net charge-offs | 179.1667% | 1,687 |
| Earnings coverage of net charge-offs (x) | 6.0292% | 2,486 |
| Efficiency ratio | 69.0680% | 4,316 |
| Assets per employee ($millions) | 2.8145% | 6,450 |
| Cash dividends to net income (ytd only)* | 90.0360% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,637 |
| Loan loss allowance to noncurrent loans | 122.4364% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 2.5852% | 2,576 |
| Noncurrent loans to loans | 0.9620% | 5,064 |
| Net loans and leases to total assets | 75.1425% | 1,214 |
| Net loans and leases to deposits | 86.6094% | 1,700 |
| Net loans and leases to core deposits | 87.8723% | 2,660 |
| Total domestic deposits to total assets | 86.7603% | 2,881 |
| Equity capital to assets | 11.9409% | 2,129 |
| Core capital (leverage) ratio | 11.8717% | 1,684 |
| Tier 1 risk-based capital ratio | 17.4947% | 2,342 |
| Total risk-based capital ratio | 18.7446% | 2,311 |
| Memoranda: | ||
| Average total assets | $178,082,000 | 3,393 |
| Average earning assets | $160,482,330 | 3,434 |
| Average equity | $21,232,330 | 2,966 |
| Average total loans | $136,417,670 | 2,926 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1225% | 385 |
| Cost of funding earning assets | 1.0279% | 4,002 |
| Net interest margin | 5.0946% | 310 |
| Noninterest income to average assets | 0.5581% | 3,449 |
| Noninterest expense to average assets | 3.5368% | 1,916 |
| Loan and lease loss provision to assets | 0.3362% | 2,542 |
| Net operating income to assets | 0.7957% | 3,053 |
| Return on assets (ROA) | 0.7957% | 3,123 |
| Pretax return on assets | 1.2843% | 2,088 |
| Return on Equity (ROE) | 6.6786% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.6786% | 2,286 |
| Net charge-offs to loans | 0.2274% | 3,176 |
| Credit loss provision to net charge-offs | 192.3077% | 1,537 |
| Earnings coverage of net charge-offs (x) | 9.2692% | 1,740 |
| Efficiency ratio | 68.5789% | 4,540 |
| Assets per employee ($millions) | 2.7976% | 6,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0771% | 6,129 |
| Loan loss allowance to noncurrent loans | 51.6696% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 3.5172% | 1,935 |
| Noncurrent loans to loans | 2.0845% | 3,460 |
| Net loans and leases to total assets | 76.6036% | 943 |
| Net loans and leases to deposits | 89.2382% | 1,323 |
| Net loans and leases to core deposits | 90.3786% | 2,307 |
| Total domestic deposits to total assets | 85.8416% | 3,616 |
| Equity capital to assets | 12.1640% | 1,819 |
| Core capital (leverage) ratio | 11.9161% | 1,608 |
| Tier 1 risk-based capital ratio | 17.4641% | 2,309 |
| Total risk-based capital ratio | 18.6602% | 2,305 |
| Memoranda: | ||
| Average total assets | $178,465,500 | 3,407 |
| Average earning assets | $161,111,000 | 3,438 |
| Average equity | $21,262,000 | 2,950 |
| Average total loans | $137,213,000 | 2,940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2860% | 478 |
| Cost of funding earning assets | 1.4567% | 2,917 |
| Net interest margin | 4.8292% | 633 |
| Noninterest income to average assets | 0.8093% | 2,235 |
| Noninterest expense to average assets | 3.3729% | 2,517 |
| Loan and lease loss provision to assets | 0.1883% | 5,347 |
| Net operating income to assets | 0.9643% | 2,150 |
| Return on assets (ROA) | 0.9643% | 2,273 |
| Pretax return on assets | 1.6009% | 1,129 |
| Return on Equity (ROE) | 8.6629% | 2,438 |
| Retained earnings to average equity (ytd only) | 4.4330% | 2,753 |
| Net charge-offs to loans | 0.4153% | 3,960 |
| Credit loss provision to net charge-offs | 59.7270% | 6,089 |
| Earnings coverage of net charge-offs (x) | 5.6741% | 2,559 |
| Efficiency ratio | 65.3393% | 5,101 |
| Assets per employee ($millions) | 2.9142% | 6,286 |
| Cash dividends to net income (ytd only)* | 48.8281% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0127% | 6,322 |
| Loan loss allowance to noncurrent loans | 47.9245% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 3.7441% | 1,835 |
| Noncurrent loans to loans | 2.1132% | 3,418 |
| Net loans and leases to total assets | 75.5726% | 1,356 |
| Net loans and leases to deposits | 88.1203% | 1,769 |
| Net loans and leases to core deposits | 89.0711% | 2,883 |
| Total domestic deposits to total assets | 85.7606% | 3,470 |
| Equity capital to assets | 11.6697% | 2,147 |
| Core capital (leverage) ratio | 11.3907% | 1,893 |
| Tier 1 risk-based capital ratio | 17.1623% | 2,290 |
| Total risk-based capital ratio | 18.2990% | 2,294 |
| Memoranda: | ||
| Average total assets | $185,834,400 | 3,283 |
| Average earning assets | $167,500,200 | 3,328 |
| Average equity | $20,685,800 | 3,052 |
| Average total loans | $141,103,200 | 2,928 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3036% | 506 |
| Cost of funding earning assets | 1.5482% | 2,689 |
| Net interest margin | 4.7554% | 738 |
| Noninterest income to average assets | 0.6256% | 3,279 |
| Noninterest expense to average assets | 3.3952% | 2,310 |
| Loan and lease loss provision to assets | 0.1425% | 5,609 |
| Net operating income to assets | 0.8757% | 2,710 |
| Return on assets (ROA) | 0.8757% | 2,845 |
| Pretax return on assets | 1.3709% | 1,967 |
| Return on Equity (ROE) | 7.9599% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.2073% | 2,839 |
| Net charge-offs to loans | 0.2528% | 4,427 |
| Credit loss provision to net charge-offs | 74.3494% | 5,307 |
| Earnings coverage of net charge-offs (x) | 7.8959% | 2,247 |
| Efficiency ratio | 69.1682% | 4,231 |
| Assets per employee ($millions) | 2.8875% | 6,405 |
| Cash dividends to net income (ytd only)* | 34.5807% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1392% | 5,765 |
| Loan loss allowance to noncurrent loans | 53.0529% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 3.4077% | 2,086 |
| Noncurrent loans to loans | 2.1473% | 3,516 |
| Net loans and leases to total assets | 74.6108% | 1,657 |
| Net loans and leases to deposits | 88.8562% | 1,881 |
| Net loans and leases to core deposits | 89.8283% | 3,122 |
| Total domestic deposits to total assets | 83.9681% | 4,145 |
| Equity capital to assets | 11.5330% | 2,506 |
| Core capital (leverage) ratio | 11.2033% | 2,126 |
| Tier 1 risk-based capital ratio | 17.1302% | 2,294 |
| Total risk-based capital ratio | 18.3688% | 2,261 |
| Memoranda: | ||
| Average total assets | $187,122,500 | 3,314 |
| Average earning assets | $168,535,000 | 3,348 |
| Average equity | $20,586,000 | 3,102 |
| Average total loans | $141,893,250 | 2,943 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3316% | 479 |
| Cost of funding earning assets | 1.5885% | 2,720 |
| Net interest margin | 4.7431% | 737 |
| Noninterest income to average assets | 0.5824% | 3,464 |
| Noninterest expense to average assets | 3.3803% | 2,318 |
| Loan and lease loss provision to assets | 0.0529% | 6,429 |
| Net operating income to assets | 0.9171% | 2,485 |
| Return on assets (ROA) | 0.9171% | 2,587 |
| Pretax return on assets | 1.4212% | 1,775 |
| Return on Equity (ROE) | 8.4675% | 2,681 |
| Retained earnings to average equity (ytd only) | 4.3120% | 3,334 |
| Net charge-offs to loans | 0.3486% | 3,606 |
| Credit loss provision to net charge-offs | 20.0000% | 5,850 |
| Earnings coverage of net charge-offs (x) | 5.5680% | 2,640 |
| Efficiency ratio | 69.6335% | 4,257 |
| Assets per employee ($millions) | 3.0015% | 6,136 |
| Cash dividends to net income (ytd only)* | 49.0762% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,362 |
| Loan loss allowance to noncurrent loans | 67.5943% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 2.8303% | 2,549 |
| Noncurrent loans to loans | 1.4927% | 4,465 |
| Net loans and leases to total assets | 75.5490% | 1,582 |
| Net loans and leases to deposits | 91.7787% | 1,567 |
| Net loans and leases to core deposits | 92.6209% | 2,898 |
| Total domestic deposits to total assets | 82.3166% | 4,862 |
| Equity capital to assets | 11.0788% | 2,785 |
| Core capital (leverage) ratio | 10.8670% | 2,354 |
| Tier 1 risk-based capital ratio | 16.2953% | 2,554 |
| Total risk-based capital ratio | 17.4279% | 2,555 |
| Memoranda: | ||
| Average total assets | $188,859,330 | 3,322 |
| Average earning assets | $170,098,330 | 3,343 |
| Average equity | $20,454,670 | 3,116 |
| Average total loans | $143,427,670 | 2,948 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2727% | 555 |
| Cost of funding earning assets | 1.6452% | 2,680 |
| Net interest margin | 4.6275% | 904 |
| Noninterest income to average assets | 0.6392% | 3,003 |
| Noninterest expense to average assets | 3.4293% | 2,164 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8810% | 2,630 |
| Return on assets (ROA) | 0.8810% | 2,705 |
| Pretax return on assets | 1.3793% | 1,836 |
| Return on Equity (ROE) | 8.2264% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.7355% | 1,823 |
| Net charge-offs to loans | -0.0416% | 7,299 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3161% | 4,066 |
| Assets per employee ($millions) | 3.0180% | 6,173 |
| Cash dividends to net income (ytd only)* | 5.9666% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 5,793 |
| Loan loss allowance to noncurrent loans | 91.5556% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 2.7267% | 2,670 |
| Noncurrent loans to loans | 1.2530% | 4,886 |
| Net loans and leases to total assets | 75.8953% | 1,564 |
| Net loans and leases to deposits | 93.4768% | 1,410 |
| Net loans and leases to core deposits | 93.8413% | 2,858 |
| Total domestic deposits to total assets | 81.1916% | 5,386 |
| Equity capital to assets | 10.9939% | 2,771 |
| Core capital (leverage) ratio | 10.7814% | 2,380 |
| Tier 1 risk-based capital ratio | 15.9728% | 2,669 |
| Total risk-based capital ratio | 17.2120% | 2,619 |
| Memoranda: | ||
| Average total assets | $190,241,500 | 3,362 |
| Average earning assets | $171,410,000 | 3,381 |
| Average equity | $20,373,500 | 3,156 |
| Average total loans | $144,128,500 | 2,997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5966% | 557 |
| Cost of funding earning assets | 2.1419% | 2,268 |
| Net interest margin | 4.4547% | 1,283 |
| Noninterest income to average assets | 0.6213% | 3,477 |
| Noninterest expense to average assets | 3.2242% | 3,301 |
| Loan and lease loss provision to assets | 0.5461% | 3,638 |
| Net operating income to assets | 0.5171% | 3,662 |
| Return on assets (ROA) | 0.5171% | 3,757 |
| Pretax return on assets | 0.8763% | 2,998 |
| Return on Equity (ROE) | 5.1226% | 3,617 |
| Retained earnings to average equity (ytd only) | 3.4369% | 2,763 |
| Net charge-offs to loans | 0.6965% | 3,098 |
| Credit loss provision to net charge-offs | 103.6644% | 5,330 |
| Earnings coverage of net charge-offs (x) | 2.7001% | 3,754 |
| Efficiency ratio | 69.3889% | 4,753 |
| Assets per employee ($millions) | 2.9749% | 6,280 |
| Cash dividends to net income (ytd only)* | 32.9077% | 3,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1293% | 5,750 |
| Loan loss allowance to noncurrent loans | 108.0741% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 2.6147% | 2,686 |
| Noncurrent loans to loans | 1.0450% | 5,230 |
| Net loans and leases to total assets | 73.9339% | 2,289 |
| Net loans and leases to deposits | 91.1169% | 2,029 |
| Net loans and leases to core deposits | 110.3209% | 2,861 |
| Total domestic deposits to total assets | 81.1419% | 5,297 |
| Equity capital to assets | 10.4339% | 3,257 |
| Core capital (leverage) ratio | 10.4198% | 2,671 |
| Tier 1 risk-based capital ratio | 15.2666% | 2,817 |
| Total risk-based capital ratio | 16.5022% | 2,780 |
| Memoranda: | ||
| Average total assets | $196,852,000 | 3,217 |
| Average earning assets | $177,879,000 | 3,239 |
| Average equity | $19,872,600 | 3,220 |
| Average total loans | $148,884,000 | 2,932 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6887% | 522 |
| Cost of funding earning assets | 2.2634% | 2,135 |
| Net interest margin | 4.4254% | 1,378 |
| Noninterest income to average assets | 0.6838% | 3,129 |
| Noninterest expense to average assets | 3.1990% | 3,299 |
| Loan and lease loss provision to assets | 0.7249% | 2,565 |
| Net operating income to assets | 0.4370% | 4,245 |
| Return on assets (ROA) | 0.4370% | 4,351 |
| Pretax return on assets | 0.7613% | 3,664 |
| Return on Equity (ROE) | 4.3643% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,135 |
| Net charge-offs to loans | 0.8829% | 2,198 |
| Credit loss provision to net charge-offs | 108.2578% | 4,696 |
| Earnings coverage of net charge-offs (x) | 2.2195% | 4,154 |
| Efficiency ratio | 68.2786% | 4,909 |
| Assets per employee ($millions) | 2.9758% | 6,229 |
| Cash dividends to net income (ytd only)* | 11.5743% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,420 |
| Loan loss allowance to noncurrent loans | 369.3833% | 843 |
| Noncurrent assets plus other real estate owned to assets | 2.2256% | 3,063 |
| Noncurrent loans to loans | 0.3108% | 6,742 |
| Net loans and leases to total assets | 74.6594% | 2,320 |
| Net loans and leases to deposits | 92.7151% | 2,114 |
| Net loans and leases to core deposits | 112.1802% | 3,006 |
| Total domestic deposits to total assets | 80.5257% | 5,235 |
| Equity capital to assets | 10.3738% | 3,651 |
| Core capital (leverage) ratio | 9.9873% | 3,301 |
| Tier 1 risk-based capital ratio | 15.0751% | 3,006 |
| Total risk-based capital ratio | 16.3252% | 2,944 |
| Memoranda: | ||
| Average total assets | $197,722,500 | 3,225 |
| Average earning assets | $178,783,500 | 3,256 |
| Average equity | $19,796,750 | 3,273 |
| Average total loans | $149,955,250 | 2,954 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7176% | 526 |
| Cost of funding earning assets | 2.3478% | 2,169 |
| Net interest margin | 4.3698% | 1,469 |
| Noninterest income to average assets | 0.7602% | 2,647 |
| Noninterest expense to average assets | 3.1574% | 3,479 |
| Loan and lease loss provision to assets | 0.8285% | 2,025 |
| Net operating income to assets | 0.4027% | 4,503 |
| Return on assets (ROA) | 0.4027% | 4,617 |
| Pretax return on assets | 0.7331% | 3,887 |
| Return on Equity (ROE) | 4.0696% | 4,467 |
| Retained earnings to average equity (ytd only) | 3.5622% | 3,318 |
| Net charge-offs to loans | 0.7749% | 2,131 |
| Credit loss provision to net charge-offs | 140.7850% | 3,311 |
| Earnings coverage of net charge-offs (x) | 2.6536% | 3,748 |
| Efficiency ratio | 66.9079% | 5,383 |
| Assets per employee ($millions) | 3.0598% | 5,972 |
| Cash dividends to net income (ytd only)* | 12.4688% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,653 |
| Loan loss allowance to noncurrent loans | 198.9166% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 2.2299% | 2,913 |
| Noncurrent loans to loans | 0.6252% | 5,997 |
| Net loans and leases to total assets | 73.3062% | 2,881 |
| Net loans and leases to deposits | 91.6761% | 2,530 |
| Net loans and leases to core deposits | 109.9425% | 3,377 |
| Total domestic deposits to total assets | 79.9622% | 5,486 |
| Equity capital to assets | 9.9779% | 3,971 |
| Core capital (leverage) ratio | 9.7993% | 3,521 |
| Tier 1 risk-based capital ratio | 14.7227% | 3,135 |
| Total risk-based capital ratio | 15.9735% | 3,073 |
| Memoranda: | ||
| Average total assets | $199,153,670 | 3,236 |
| Average earning assets | $180,421,000 | 3,255 |
| Average equity | $19,707,000 | 3,291 |
| Average total loans | $151,243,670 | 2,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1984% | 1,607 |
| Cost of funding earning assets | 2.3819% | 2,370 |
| Net interest margin | 3.8164% | 3,383 |
| Noninterest income to average assets | 0.8711% | 1,979 |
| Noninterest expense to average assets | 3.3660% | 2,453 |
| Loan and lease loss provision to assets | 1.0036% | 1,300 |
| Net operating income to assets | -0.0261% | 6,298 |
| Return on assets (ROA) | 0.5841% | 4,277 |
| Pretax return on assets | 0.9153% | 3,663 |
| Return on Equity (ROE) | 5.9273% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.9273% | 2,663 |
| Net charge-offs to loans | 0.8180% | 1,584 |
| Credit loss provision to net charge-offs | 159.7444% | 2,650 |
| Earnings coverage of net charge-offs (x) | 1.5367% | 3,958 |
| Efficiency ratio | 77.7108% | 3,219 |
| Assets per employee ($millions) | 2.8599% | 6,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,080 |
| Loan loss allowance to noncurrent loans | 87.4501% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 2.5830% | 2,219 |
| Noncurrent loans to loans | 1.1607% | 4,662 |
| Net loans and leases to total assets | 74.6738% | 2,584 |
| Net loans and leases to deposits | 94.2596% | 2,227 |
| Net loans and leases to core deposits | 113.1453% | 3,086 |
| Total domestic deposits to total assets | 79.2214% | 5,636 |
| Equity capital to assets | 9.8820% | 4,141 |
| Core capital (leverage) ratio | 9.8820% | 3,543 |
| Tier 1 risk-based capital ratio | 14.8633% | 3,130 |
| Total risk-based capital ratio | 16.0150% | 3,108 |
| Memoranda: | ||
| Average total assets | $199,286,000 | 3,252 |
| Average earning assets | $180,692,500 | 3,270 |
| Average equity | $19,638,000 | 3,314 |
| Average total loans | $153,048,500 | 2,953 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8733% | 1,484 |
| Cost of funding earning assets | 2.8890% | 2,316 |
| Net interest margin | 3.9843% | 3,196 |
| Noninterest income to average assets | 0.6872% | 3,204 |
| Noninterest expense to average assets | 3.4879% | 2,428 |
| Loan and lease loss provision to assets | 0.2506% | 4,411 |
| Net operating income to assets | 0.3606% | 5,312 |
| Return on assets (ROA) | 0.5238% | 4,490 |
| Pretax return on assets | 0.7874% | 4,118 |
| Return on Equity (ROE) | 5.3650% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.5145% | 4,319 |
| Net charge-offs to loans | 0.1956% | 4,235 |
| Credit loss provision to net charge-offs | 162.3377% | 3,182 |
| Earnings coverage of net charge-offs (x) | 5.1461% | 3,739 |
| Efficiency ratio | 81.4490% | 2,384 |
| Assets per employee ($millions) | 2.9609% | 6,150 |
| Cash dividends to net income (ytd only)* | 71.7703% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8686% | 6,817 |
| Loan loss allowance to noncurrent loans | 55.7995% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 2.8889% | 1,609 |
| Noncurrent loans to loans | 1.5567% | 3,457 |
| Net loans and leases to total assets | 77.4907% | 2,266 |
| Net loans and leases to deposits | 98.4817% | 2,054 |
| Net loans and leases to core deposits | 119.3840% | 2,750 |
| Total domestic deposits to total assets | 78.6854% | 5,487 |
| Equity capital to assets | 9.8261% | 4,255 |
| Core capital (leverage) ratio | 9.8261% | 3,615 |
| Tier 1 risk-based capital ratio | 14.5318% | 3,278 |
| Total risk-based capital ratio | 15.5360% | 3,322 |
| Memoranda: | ||
| Average total assets | $199,518,800 | 3,145 |
| Average earning assets | $180,030,600 | 3,189 |
| Average equity | $19,478,000 | 3,309 |
| Average total loans | $157,457,000 | 2,811 |