Home > Homestead Bank > Performance and Condition Ratios
Homestead 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 | 5.3673% | 2,362 |
| Cost of funding earning assets | 1.4564% | 3,311 |
| Net interest margin | 3.9109% | 1,449 |
| Noninterest income to average assets | 0.6000% | 1,343 |
| Noninterest expense to average assets | 2.2885% | 2,874 |
| Loan and lease loss provision to assets | 0.0900% | 1,412 |
| Net operating income to assets | 1.4937% | 1,105 |
| Return on assets (ROA) | 1.4918% | 1,107 |
| Pretax return on assets | 1.8745% | 840 |
| Return on Equity (ROE) | 9.0000% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.5840% | 1,537 |
| Net charge-offs to loans | 0.0034% | 2,161 |
| Credit loss provision to net charge-offs | 3,700.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 838.0000% | 122 |
| Efficiency ratio | 53.8207% | 3,614 |
| Assets per employee ($millions) | 6.4468% | 2,598 |
| Cash dividends to net income (ytd only)* | 4.6597% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 2,732 |
| Loan loss allowance to noncurrent loans | 52.5979% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 458 |
| Noncurrent loans to loans | 2.0879% | 406 |
| Net loans and leases to total assets | 66.1100% | 2,279 |
| Net loans and leases to deposits | 85.1518% | 1,581 |
| Net loans and leases to core deposits | 90.7353% | 1,999 |
| Total domestic deposits to total assets | 77.6400% | 3,854 |
| Equity capital to assets | 16.7576% | 416 |
| Core capital (leverage) ratio | 17.1293% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $512,130,000 | 1,756 |
| Average earning assets | $478,154,000 | 1,740 |
| Average equity | $84,855,500 | 1,182 |
| Average total loans | $350,249,000 | 1,707 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2463% | 2,633 |
| Cost of funding earning assets | 1.6497% | 3,064 |
| Net interest margin | 3.5967% | 1,881 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 2.2983% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 1.3003% | 1,290 |
| Return on assets (ROA) | 1.3002% | 1,296 |
| Pretax return on assets | 1.6274% | 1,082 |
| Return on Equity (ROE) | 8.3000% | 2,663 |
| Retained earnings to average equity (ytd only) | 7.8493% | 1,161 |
| Net charge-offs to loans | 0.0090% | 2,575 |
| Credit loss provision to net charge-offs | 26.6667% | 2,437 |
| Earnings coverage of net charge-offs (x) | 273.8333% | 404 |
| Efficiency ratio | 58.5185% | 3,313 |
| Assets per employee ($millions) | 6.2780% | 2,669 |
| Cash dividends to net income (ytd only)* | 5.4301% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,032 |
| Loan loss allowance to noncurrent loans | 151.6076% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 1,495 |
| Noncurrent loans to loans | 0.6819% | 1,436 |
| Net loans and leases to total assets | 69.2400% | 1,992 |
| Net loans and leases to deposits | 89.0615% | 1,290 |
| Net loans and leases to core deposits | 95.0319% | 1,771 |
| Total domestic deposits to total assets | 77.7400% | 3,811 |
| Equity capital to assets | 16.3780% | 438 |
| Core capital (leverage) ratio | 16.9217% | 397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $504,244,200 | 1,759 |
| Average earning assets | $469,488,800 | 1,753 |
| Average equity | $78,987,800 | 1,214 |
| Average total loans | $332,814,600 | 1,745 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 2,679 |
| Cost of funding earning assets | 1.6828% | 2,988 |
| Net interest margin | 3.5071% | 2,011 |
| Noninterest income to average assets | 0.5800% | 1,541 |
| Noninterest expense to average assets | 2.3318% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2089% | 1,496 |
| Return on assets (ROA) | 1.2080% | 1,507 |
| Pretax return on assets | 1.5109% | 1,289 |
| Return on Equity (ROE) | 7.8000% | 2,814 |
| Retained earnings to average equity (ytd only) | 7.3447% | 1,620 |
| Net charge-offs to loans | 0.0012% | 2,766 |
| Credit loss provision to net charge-offs | 66.6667% | 1,942 |
| Earnings coverage of net charge-offs (x) | 1,902.6667% | 57 |
| Efficiency ratio | 60.6562% | 3,093 |
| Assets per employee ($millions) | 6.2853% | 2,674 |
| Cash dividends to net income (ytd only)* | 5.8565% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 2,564 |
| Loan loss allowance to noncurrent loans | 833.1081% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 3,101 |
| Noncurrent loans to loans | 0.1363% | 2,996 |
| Net loans and leases to total assets | 64.0600% | 2,520 |
| Net loans and leases to deposits | 82.4773% | 1,936 |
| Net loans and leases to core deposits | 88.5763% | 2,248 |
| Total domestic deposits to total assets | 77.6700% | 3,759 |
| Equity capital to assets | 16.3942% | 468 |
| Core capital (leverage) ratio | 16.9801% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $503,175,750 | 1,755 |
| Average earning assets | $468,487,500 | 1,750 |
| Average equity | $77,913,500 | 1,222 |
| Average total loans | $327,079,750 | 1,759 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1493% | 2,663 |
| Cost of funding earning assets | 1.6866% | 2,885 |
| Net interest margin | 3.4627% | 2,042 |
| Noninterest income to average assets | 0.5900% | 1,488 |
| Noninterest expense to average assets | 2.2766% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2282% | 1,407 |
| Return on assets (ROA) | 1.2247% | 1,417 |
| Pretax return on assets | 1.5323% | 1,227 |
| Return on Equity (ROE) | 8.0700% | 2,714 |
| Retained earnings to average equity (ytd only) | 7.6014% | 1,482 |
| Net charge-offs to loans | 0.0006% | 2,597 |
| Credit loss provision to net charge-offs | 200.0000% | 1,008 |
| Earnings coverage of net charge-offs (x) | 3,869.0000% | 16 |
| Efficiency ratio | 59.6895% | 3,233 |
| Assets per employee ($millions) | 5.8045% | 2,969 |
| Cash dividends to net income (ytd only)* | 5.7755% | 2,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 2,639 |
| Loan loss allowance to noncurrent loans | 364.9901% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,388 |
| Noncurrent loans to loans | 0.3086% | 2,267 |
| Net loans and leases to total assets | 65.0800% | 2,441 |
| Net loans and leases to deposits | 85.9895% | 1,667 |
| Net loans and leases to core deposits | 91.6517% | 2,032 |
| Total domestic deposits to total assets | 75.6800% | 3,926 |
| Equity capital to assets | 15.6778% | 506 |
| Core capital (leverage) ratio | 16.5979% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $503,293,000 | 1,755 |
| Average earning assets | $468,999,000 | 1,741 |
| Average equity | $76,406,667 | 1,231 |
| Average total loans | $327,496,667 | 1,755 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0976% | 2,598 |
| Cost of funding earning assets | 1.6165% | 2,944 |
| Net interest margin | 3.4811% | 1,932 |
| Noninterest income to average assets | 0.6000% | 1,364 |
| Noninterest expense to average assets | 2.3303% | 2,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2077% | 1,426 |
| Return on assets (ROA) | 1.2071% | 1,430 |
| Pretax return on assets | 1.5126% | 1,228 |
| Return on Equity (ROE) | 8.0800% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.6100% | 1,659 |
| Net charge-offs to loans | -0.0012% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 60.6011% | 3,197 |
| Assets per employee ($millions) | 6.0729% | 2,780 |
| Cash dividends to net income (ytd only)* | 5.8361% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,589 |
| Loan loss allowance to noncurrent loans | 158.5188% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 1,342 |
| Noncurrent loans to loans | 0.7202% | 1,233 |
| Net loans and leases to total assets | 64.3900% | 2,425 |
| Net loans and leases to deposits | 85.8834% | 1,544 |
| Net loans and leases to core deposits | 90.9090% | 1,982 |
| Total domestic deposits to total assets | 74.9800% | 4,055 |
| Equity capital to assets | 15.2759% | 524 |
| Core capital (leverage) ratio | 16.1492% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $505,347,000 | 1,747 |
| Average earning assets | $470,887,500 | 1,739 |
| Average equity | $75,479,500 | 1,237 |
| Average total loans | $326,968,500 | 1,747 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7203% | 2,633 |
| Cost of funding earning assets | 1.2241% | 2,746 |
| Net interest margin | 3.4961% | 2,190 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.3238% | 2,788 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2057% | 1,637 |
| Return on assets (ROA) | 1.2089% | 1,598 |
| Pretax return on assets | 1.5092% | 1,395 |
| Return on Equity (ROE) | 8.6900% | 2,832 |
| Retained earnings to average equity (ytd only) | 7.1674% | 1,848 |
| Net charge-offs to loans | -0.0006% | 3,568 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.6827% | 3,005 |
| Assets per employee ($millions) | 5.8263% | 2,961 |
| Cash dividends to net income (ytd only)* | 17.5390% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 2,709 |
| Loan loss allowance to noncurrent loans | 417.6072% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,376 |
| Noncurrent loans to loans | 0.2688% | 2,225 |
| Net loans and leases to total assets | 63.5600% | 2,500 |
| Net loans and leases to deposits | 88.6480% | 1,380 |
| Net loans and leases to core deposits | 94.1626% | 1,763 |
| Total domestic deposits to total assets | 71.7000% | 4,236 |
| Equity capital to assets | 14.6062% | 591 |
| Core capital (leverage) ratio | 15.7432% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $504,181,200 | 1,716 |
| Average earning assets | $470,778,400 | 1,709 |
| Average equity | $70,123,400 | 1,247 |
| Average total loans | $312,317,400 | 1,748 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6482% | 2,572 |
| Cost of funding earning assets | 1.1148% | 2,698 |
| Net interest margin | 3.5334% | 2,143 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 2.2651% | 2,903 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2794% | 1,588 |
| Return on assets (ROA) | 1.2819% | 1,574 |
| Pretax return on assets | 1.6011% | 1,357 |
| Return on Equity (ROE) | 9.3400% | 2,841 |
| Retained earnings to average equity (ytd only) | 7.4409% | 2,164 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.6306% | 3,134 |
| Assets per employee ($millions) | 5.6281% | 3,080 |
| Cash dividends to net income (ytd only)* | 20.3025% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2006% | 2,360 |
| Loan loss allowance to noncurrent loans | 2,843.8462% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 3,545 |
| Noncurrent loans to loans | 0.0422% | 3,459 |
| Net loans and leases to total assets | 61.4300% | 2,712 |
| Net loans and leases to deposits | 83.9576% | 1,741 |
| Net loans and leases to core deposits | 89.7291% | 1,945 |
| Total domestic deposits to total assets | 73.1600% | 4,212 |
| Equity capital to assets | 14.1381% | 627 |
| Core capital (leverage) ratio | 15.5246% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $502,048,250 | 1,726 |
| Average earning assets | $469,561,250 | 1,711 |
| Average equity | $68,932,250 | 1,256 |
| Average total loans | $308,002,500 | 1,763 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 2,607 |
| Cost of funding earning assets | 0.9182% | 2,868 |
| Net interest margin | 3.5969% | 2,044 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.1765% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3745% | 1,393 |
| Return on assets (ROA) | 1.3773% | 1,367 |
| Pretax return on assets | 1.7212% | 1,166 |
| Return on Equity (ROE) | 10.1300% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.4961% | 2,128 |
| Net charge-offs to loans | -0.0006% | 3,413 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.8803% | 3,437 |
| Assets per employee ($millions) | 5.7484% | 2,925 |
| Cash dividends to net income (ytd only)* | 26.0006% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 2,676 |
| Loan loss allowance to noncurrent loans | 4,742.3077% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,685 |
| Noncurrent loans to loans | 0.0244% | 3,585 |
| Net loans and leases to total assets | 61.7600% | 2,594 |
| Net loans and leases to deposits | 85.6195% | 1,533 |
| Net loans and leases to core deposits | 89.9739% | 1,799 |
| Total domestic deposits to total assets | 72.1300% | 4,287 |
| Equity capital to assets | 13.6195% | 695 |
| Core capital (leverage) ratio | 15.1707% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $504,307,333 | 1,717 |
| Average earning assets | $472,018,000 | 1,707 |
| Average equity | $68,569,000 | 1,255 |
| Average total loans | $308,027,000 | 1,749 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 2,606 |
| Cost of funding earning assets | 0.6388% | 3,265 |
| Net interest margin | 3.7415% | 1,808 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.2019% | 3,094 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4535% | 1,279 |
| Return on assets (ROA) | 1.4573% | 1,247 |
| Pretax return on assets | 1.8224% | 1,033 |
| Return on Equity (ROE) | 10.7300% | 2,568 |
| Retained earnings to average equity (ytd only) | 5.8635% | 2,804 |
| Net charge-offs to loans | 0.0013% | 2,000 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,275.0000% | 35 |
| Efficiency ratio | 54.7804% | 3,524 |
| Assets per employee ($millions) | 6.1945% | 2,585 |
| Cash dividends to net income (ytd only)* | 45.3399% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 2,512 |
| Loan loss allowance to noncurrent loans | 12,316.6667% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,831 |
| Noncurrent loans to loans | 0.0098% | 3,758 |
| Net loans and leases to total assets | 60.2500% | 2,622 |
| Net loans and leases to deposits | 78.8294% | 1,904 |
| Net loans and leases to core deposits | 81.7054% | 2,134 |
| Total domestic deposits to total assets | 76.4300% | 4,133 |
| Equity capital to assets | 13.8674% | 611 |
| Core capital (leverage) ratio | 14.9938% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $500,655,000 | 1,742 |
| Average earning assets | $468,368,000 | 1,732 |
| Average equity | $68,014,000 | 1,275 |
| Average total loans | $302,217,500 | 1,784 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6423% | 2,677 |
| Cost of funding earning assets | 0.3802% | 2,257 |
| Net interest margin | 3.2621% | 2,670 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.2341% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1256% | 2,072 |
| Return on assets (ROA) | 1.0785% | 2,211 |
| Pretax return on assets | 1.3349% | 1,978 |
| Return on Equity (ROE) | 7.8300% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.3447% | 2,085 |
| Net charge-offs to loans | 0.0014% | 2,505 |
| Credit loss provision to net charge-offs | 325.0000% | 877 |
| Earnings coverage of net charge-offs (x) | 1,711.7500% | 98 |
| Efficiency ratio | 61.5488% | 2,829 |
| Assets per employee ($millions) | 6.0187% | 2,744 |
| Cash dividends to net income (ytd only)* | 6.1803% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,204 |
| Loan loss allowance to noncurrent loans | 372.2054% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1988% | 2,180 |
| Noncurrent loans to loans | 0.3327% | 1,960 |
| Net loans and leases to total assets | 59.0000% | 2,732 |
| Net loans and leases to deposits | 74.1905% | 2,243 |
| Net loans and leases to core deposits | 76.7185% | 2,372 |
| Total domestic deposits to total assets | 79.5300% | 3,944 |
| Equity capital to assets | 13.3014% | 659 |
| Core capital (leverage) ratio | 15.0397% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $490,588,800 | 1,740 |
| Average earning assets | $458,941,000 | 1,730 |
| Average equity | $67,586,400 | 1,286 |
| Average total loans | $278,167,000 | 1,824 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4672% | 2,720 |
| Cost of funding earning assets | 0.3515% | 1,687 |
| Net interest margin | 3.1157% | 2,884 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.2202% | 2,873 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0276% | 2,375 |
| Return on assets (ROA) | 0.9842% | 2,506 |
| Pretax return on assets | 1.2141% | 2,313 |
| Return on Equity (ROE) | 7.0800% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.6202% | 2,508 |
| Net charge-offs to loans | 0.0024% | 2,177 |
| Credit loss provision to net charge-offs | 140.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 930.0000% | 167 |
| Efficiency ratio | 63.6207% | 2,603 |
| Assets per employee ($millions) | 5.8039% | 2,925 |
| Cash dividends to net income (ytd only)* | 6.5187% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,745 |
| Loan loss allowance to noncurrent loans | 1,104.4910% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,214 |
| Noncurrent loans to loans | 0.1235% | 3,028 |
| Net loans and leases to total assets | 54.0900% | 3,092 |
| Net loans and leases to deposits | 66.9580% | 2,636 |
| Net loans and leases to core deposits | 69.2556% | 2,696 |
| Total domestic deposits to total assets | 80.7700% | 4,019 |
| Equity capital to assets | 12.8713% | 695 |
| Core capital (leverage) ratio | 14.7215% | 579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $488,347,000 | 1,756 |
| Average earning assets | $457,452,750 | 1,747 |
| Average equity | $67,871,000 | 1,296 |
| Average total loans | $273,100,250 | 1,843 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3417% | 2,605 |
| Cost of funding earning assets | 0.3414% | 1,352 |
| Net interest margin | 3.0003% | 2,867 |
| Noninterest income to average assets | 0.5544% | 1,926 |
| Noninterest expense to average assets | 2.2232% | 2,780 |
| Loan and lease loss provision to assets | 0.0016% | 2,580 |
| Net operating income to assets | 0.9284% | 2,452 |
| Return on assets (ROA) | 0.8971% | 2,570 |
| Pretax return on assets | 1.1038% | 2,395 |
| Return on Equity (ROE) | 6.2975% | 3,500 |
| Retained earnings to average equity (ytd only) | 5.8850% | 2,370 |
| Net charge-offs to loans | 0.0015% | 2,078 |
| Credit loss provision to net charge-offs | 200.0000% | 963 |
| Earnings coverage of net charge-offs (x) | 1,392.0000% | 85 |
| Efficiency ratio | 66.0239% | 2,505 |
| Assets per employee ($millions) | 5.4125% | 3,316 |
| Cash dividends to net income (ytd only)* | 6.5506% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,907 |
| Loan loss allowance to noncurrent loans | 1,901.5464% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,586 |
| Noncurrent loans to loans | 0.0718% | 3,441 |
| Net loans and leases to total assets | 54.7347% | 2,885 |
| Net loans and leases to deposits | 68.4104% | 2,351 |
| Net loans and leases to core deposits | 70.6859% | 2,431 |
| Total domestic deposits to total assets | 80.0094% | 4,225 |
| Equity capital to assets | 13.5679% | 575 |
| Core capital (leverage) ratio | 14.7720% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,685,333 | 1,775 |
| Average earning assets | $456,292,333 | 1,761 |
| Average equity | $69,328,667 | 1,304 |
| Average total loans | $273,964,333 | 1,837 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2719% | 2,470 |
| Cost of funding earning assets | 0.3299% | 1,381 |
| Net interest margin | 2.9420% | 2,703 |
| Noninterest income to average assets | 0.5871% | 1,750 |
| Noninterest expense to average assets | 2.2439% | 2,709 |
| Loan and lease loss provision to assets | 0.0033% | 2,245 |
| Net operating income to assets | 0.8904% | 2,314 |
| Return on assets (ROA) | 0.8617% | 2,434 |
| Pretax return on assets | 1.0615% | 2,257 |
| Return on Equity (ROE) | 5.9087% | 3,368 |
| Retained earnings to average equity (ytd only) | 5.6211% | 2,375 |
| Net charge-offs to loans | 0.0653% | 676 |
| Credit loss provision to net charge-offs | 8.8889% | 1,318 |
| Earnings coverage of net charge-offs (x) | 29.7333% | 1,135 |
| Efficiency ratio | 67.1011% | 2,619 |
| Assets per employee ($millions) | 5.6464% | 3,181 |
| Cash dividends to net income (ytd only)* | 4.8664% | 2,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 2,202 |
| Loan loss allowance to noncurrent loans | 1,424.2188% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 3,514 |
| Noncurrent loans to loans | 0.0937% | 3,373 |
| Net loans and leases to total assets | 55.5277% | 2,571 |
| Net loans and leases to deposits | 69.8309% | 1,983 |
| Net loans and leases to core deposits | 71.9464% | 2,119 |
| Total domestic deposits to total assets | 79.5174% | 4,311 |
| Equity capital to assets | 14.0857% | 516 |
| Core capital (leverage) ratio | 14.5511% | 503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $486,464,000 | 1,779 |
| Average earning assets | $455,887,000 | 1,766 |
| Average equity | $70,946,500 | 1,320 |
| Average total loans | $275,788,000 | 1,813 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 2,078 |
| Cost of funding earning assets | 0.3944% | 1,583 |
| Net interest margin | 3.3173% | 2,264 |
| Noninterest income to average assets | 0.5702% | 2,279 |
| Noninterest expense to average assets | 2.3251% | 2,730 |
| Loan and lease loss provision to assets | 0.0009% | 3,050 |
| Net operating income to assets | 1.1096% | 2,253 |
| Return on assets (ROA) | 1.1224% | 2,262 |
| Pretax return on assets | 1.3676% | 2,152 |
| Return on Equity (ROE) | 7.2723% | 3,446 |
| Retained earnings to average equity (ytd only) | 6.8484% | 1,983 |
| Net charge-offs to loans | 0.0141% | 2,040 |
| Credit loss provision to net charge-offs | 11.1111% | 2,305 |
| Earnings coverage of net charge-offs (x) | 176.3611% | 585 |
| Efficiency ratio | 63.2155% | 2,680 |
| Assets per employee ($millions) | 5.6016% | 3,161 |
| Cash dividends to net income (ytd only)* | 5.8287% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,248 |
| Loan loss allowance to noncurrent loans | 13,167.8571% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,114 |
| Noncurrent loans to loans | 0.0101% | 4,025 |
| Net loans and leases to total assets | 56.3482% | 2,560 |
| Net loans and leases to deposits | 71.4572% | 1,964 |
| Net loans and leases to core deposits | 73.8624% | 2,091 |
| Total domestic deposits to total assets | 78.8559% | 4,330 |
| Equity capital to assets | 15.0808% | 486 |
| Core capital (leverage) ratio | 14.9201% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $469,278,200 | 1,777 |
| Average earning assets | $439,632,400 | 1,766 |
| Average equity | $72,425,400 | 1,311 |
| Average total loans | $255,393,800 | 1,899 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6661% | 2,361 |
| Cost of funding earning assets | 0.4089% | 1,634 |
| Net interest margin | 3.2572% | 2,557 |
| Noninterest income to average assets | 0.7608% | 1,643 |
| Noninterest expense to average assets | 2.3444% | 2,613 |
| Loan and lease loss provision to assets | 0.0015% | 2,940 |
| Net operating income to assets | 1.1895% | 2,201 |
| Return on assets (ROA) | 1.2049% | 2,211 |
| Pretax return on assets | 1.4869% | 2,030 |
| Return on Equity (ROE) | 7.7605% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.3817% | 2,278 |
| Net charge-offs to loans | 0.0064% | 2,081 |
| Credit loss provision to net charge-offs | 41.6667% | 1,907 |
| Earnings coverage of net charge-offs (x) | 426.8333% | 338 |
| Efficiency ratio | 61.4713% | 2,772 |
| Assets per employee ($millions) | 5.4463% | 3,257 |
| Cash dividends to net income (ytd only)* | 4.8810% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,776 |
| Loan loss allowance to noncurrent loans | 371,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,308 |
| Noncurrent loans to loans | 0.0004% | 4,234 |
| Net loans and leases to total assets | 52.8541% | 3,102 |
| Net loans and leases to deposits | 67.7975% | 2,456 |
| Net loans and leases to core deposits | 70.4505% | 2,553 |
| Total domestic deposits to total assets | 77.9587% | 4,430 |
| Equity capital to assets | 15.5555% | 462 |
| Core capital (leverage) ratio | 14.8413% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,763,750 | 1,814 |
| Average earning assets | $435,618,250 | 1,805 |
| Average equity | $72,158,250 | 1,331 |
| Average total loans | $249,669,250 | 1,958 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 1,317 |
| Cost of funding earning assets | 0.3778% | 2,065 |
| Net interest margin | 3.7413% | 1,237 |
| Noninterest income to average assets | 0.6093% | 2,173 |
| Noninterest expense to average assets | 2.3891% | 2,500 |
| Loan and lease loss provision to assets | 0.0013% | 2,846 |
| Net operating income to assets | 1.4052% | 1,551 |
| Return on assets (ROA) | 1.4355% | 1,532 |
| Pretax return on assets | 1.7792% | 1,282 |
| Return on Equity (ROE) | 9.1107% | 3,062 |
| Retained earnings to average equity (ytd only) | 8.7002% | 1,819 |
| Net charge-offs to loans | -0.0011% | 3,099 |
| Credit loss provision to net charge-offs | -200.0000% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8180% | 3,311 |
| Assets per employee ($millions) | 5.2350% | 3,426 |
| Cash dividends to net income (ytd only)* | 4.5053% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5154% | 1,539 |
| Loan loss allowance to noncurrent loans | 443.0868% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 3,014 |
| Noncurrent loans to loans | 0.3420% | 2,684 |
| Net loans and leases to total assets | 54.3092% | 3,100 |
| Net loans and leases to deposits | 68.3837% | 2,577 |
| Net loans and leases to core deposits | 70.1522% | 2,767 |
| Total domestic deposits to total assets | 79.4183% | 4,299 |
| Equity capital to assets | 15.3034% | 484 |
| Core capital (leverage) ratio | 15.2494% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $315,426,000 | 2,385 |
| Average earning assets | $297,005,667 | 2,370 |
| Average equity | $49,700,000 | 1,779 |
| Average total loans | $183,719,667 | 2,410 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4783% | 802 |
| Cost of funding earning assets | 0.3868% | 2,206 |
| Net interest margin | 4.0916% | 728 |
| Noninterest income to average assets | 0.6346% | 2,075 |
| Noninterest expense to average assets | 2.3943% | 2,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6779% | 978 |
| Return on assets (ROA) | 1.6779% | 1,025 |
| Pretax return on assets | 2.0841% | 824 |
| Return on Equity (ROE) | 10.4879% | 2,537 |
| Retained earnings to average equity (ytd only) | 10.4879% | 1,520 |
| Net charge-offs to loans | -0.0022% | 3,152 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4628% | 3,853 |
| Assets per employee ($millions) | 4.8359% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,532 |
| Loan loss allowance to noncurrent loans | 1,208.3333% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 3,862 |
| Noncurrent loans to loans | 0.1259% | 3,679 |
| Net loans and leases to total assets | 55.8894% | 3,051 |
| Net loans and leases to deposits | 70.5088% | 2,458 |
| Net loans and leases to core deposits | 72.3030% | 2,677 |
| Total domestic deposits to total assets | 79.2658% | 4,301 |
| Equity capital to assets | 15.5739% | 431 |
| Core capital (leverage) ratio | 15.7829% | 396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,235,000 | 2,399 |
| Average earning assets | $289,572,000 | 2,387 |
| Average equity | $49,314,000 | 1,781 |
| Average total loans | $184,643,500 | 2,402 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 1,680 |
| Cost of funding earning assets | 0.4872% | 3,034 |
| Net interest margin | 3.8773% | 1,284 |
| Noninterest income to average assets | 0.8071% | 1,510 |
| Noninterest expense to average assets | 2.5504% | 2,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4900% | 833 |
| Return on assets (ROA) | 1.4951% | 897 |
| Pretax return on assets | 1.8614% | 598 |
| Return on Equity (ROE) | 9.0956% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.0956% | 747 |
| Net charge-offs to loans | 0.0048% | 3,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 583.0000% | 204 |
| Efficiency ratio | 57.8926% | 3,734 |
| Assets per employee ($millions) | 4.5739% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 1,719 |
| Loan loss allowance to noncurrent loans | 5,506.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,315 |
| Noncurrent loans to loans | 0.0266% | 4,216 |
| Net loans and leases to total assets | 62.3602% | 2,564 |
| Net loans and leases to deposits | 78.3080% | 2,038 |
| Net loans and leases to core deposits | 80.4323% | 2,323 |
| Total domestic deposits to total assets | 79.6345% | 4,114 |
| Equity capital to assets | 16.4550% | 386 |
| Core capital (leverage) ratio | 16.1630% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,853,000 | 2,384 |
| Average earning assets | $262,501,800 | 2,386 |
| Average equity | $46,494,800 | 1,798 |
| Average total loans | $186,874,800 | 2,357 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,391 |
| Cost of funding earning assets | 0.5103% | 3,160 |
| Net interest margin | 4.0619% | 972 |
| Noninterest income to average assets | 0.6728% | 1,891 |
| Noninterest expense to average assets | 2.5807% | 2,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.5007% | 905 |
| Return on assets (ROA) | 1.5007% | 985 |
| Pretax return on assets | 1.8550% | 707 |
| Return on Equity (ROE) | 9.1321% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.1321% | 948 |
| Net charge-offs to loans | -0.0007% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1808% | 3,641 |
| Assets per employee ($millions) | 4.4354% | 3,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,513 |
| Loan loss allowance to noncurrent loans | 778.3099% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 1,535 |
| Noncurrent loans to loans | 0.1871% | 3,641 |
| Net loans and leases to total assets | 65.8638% | 2,539 |
| Net loans and leases to deposits | 83.2931% | 1,982 |
| Net loans and leases to core deposits | 85.6803% | 2,324 |
| Total domestic deposits to total assets | 79.0748% | 4,050 |
| Equity capital to assets | 16.8525% | 392 |
| Core capital (leverage) ratio | 16.1325% | 406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $279,240,750 | 2,385 |
| Average earning assets | $258,688,750 | 2,384 |
| Average equity | $45,888,250 | 1,810 |
| Average total loans | $186,555,750 | 2,361 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 1,275 |
| Cost of funding earning assets | 0.5257% | 3,379 |
| Net interest margin | 4.2264% | 863 |
| Noninterest income to average assets | 0.6410% | 1,973 |
| Noninterest expense to average assets | 2.5366% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.6284% | 717 |
| Return on assets (ROA) | 1.6284% | 786 |
| Pretax return on assets | 2.0187% | 524 |
| Return on Equity (ROE) | 9.9959% | 1,985 |
| Retained earnings to average equity (ytd only) | 9.9959% | 788 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6838% | 3,983 |
| Assets per employee ($millions) | 4.3770% | 3,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,444 |
| Loan loss allowance to noncurrent loans | 260.9065% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 727 |
| Noncurrent loans to loans | 0.5527% | 2,512 |
| Net loans and leases to total assets | 65.3750% | 2,709 |
| Net loans and leases to deposits | 82.0173% | 2,204 |
| Net loans and leases to core deposits | 84.3926% | 2,581 |
| Total domestic deposits to total assets | 79.7088% | 3,895 |
| Equity capital to assets | 16.2446% | 440 |
| Core capital (leverage) ratio | 16.1063% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $277,700,000 | 2,366 |
| Average earning assets | $257,193,000 | 2,373 |
| Average equity | $45,238,333 | 1,821 |
| Average total loans | $185,499,000 | 2,353 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 1,694 |
| Cost of funding earning assets | 0.5542% | 3,674 |
| Net interest margin | 4.1510% | 1,024 |
| Noninterest income to average assets | 0.6953% | 1,669 |
| Noninterest expense to average assets | 2.5563% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5964% | 632 |
| Return on assets (ROA) | 1.5964% | 693 |
| Pretax return on assets | 1.9816% | 468 |
| Return on Equity (ROE) | 9.7852% | 1,814 |
| Retained earnings to average equity (ytd only) | 9.7852% | 785 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3330% | 4,180 |
| Assets per employee ($millions) | 4.2152% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,380 |
| Loan loss allowance to noncurrent loans | 74.8712% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 853 |
| Noncurrent loans to loans | 1.9901% | 714 |
| Net loans and leases to total assets | 66.6453% | 2,741 |
| Net loans and leases to deposits | 83.8778% | 2,251 |
| Net loans and leases to core deposits | 86.3183% | 2,653 |
| Total domestic deposits to total assets | 79.4552% | 3,964 |
| Equity capital to assets | 16.2991% | 533 |
| Core capital (leverage) ratio | 16.2511% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9006% | 566 |
| Memoranda: | ||
| Average total assets | $272,108,000 | 2,358 |
| Average earning assets | $251,889,000 | 2,358 |
| Average equity | $44,393,500 | 1,831 |
| Average total loans | $182,438,000 | 2,336 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9631% | 1,579 |
| Cost of funding earning assets | 0.5886% | 3,685 |
| Net interest margin | 4.3745% | 941 |
| Noninterest income to average assets | 0.7373% | 1,669 |
| Noninterest expense to average assets | 2.6726% | 2,962 |
| Loan and lease loss provision to assets | 0.1142% | 1,846 |
| Net operating income to assets | 1.6001% | 839 |
| Return on assets (ROA) | 1.6075% | 886 |
| Pretax return on assets | 2.0096% | 584 |
| Return on Equity (ROE) | 10.1088% | 2,254 |
| Retained earnings to average equity (ytd only) | 9.8645% | 517 |
| Net charge-offs to loans | -0.1166% | 4,975 |
| Credit loss provision to net charge-offs | -144.9275% | 4,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8269% | 4,227 |
| Assets per employee ($millions) | 4.2893% | 3,525 |
| Cash dividends to net income (ytd only)* | 2.4165% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5386% | 1,117 |
| Loan loss allowance to noncurrent loans | 117.1332% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8726% | 1,465 |
| Noncurrent loans to loans | 1.3136% | 1,138 |
| Net loans and leases to total assets | 65.4085% | 3,026 |
| Net loans and leases to deposits | 82.5152% | 2,495 |
| Net loans and leases to core deposits | 85.0393% | 2,870 |
| Total domestic deposits to total assets | 79.2684% | 4,128 |
| Equity capital to assets | 16.3305% | 548 |
| Core capital (leverage) ratio | 16.2242% | 493 |
| Tier 1 risk-based capital ratio | 21.8992% | 1,037 |
| Total risk-based capital ratio | 23.1510% | 1,015 |
| Memoranda: | ||
| Average total assets | $262,588,000 | 2,382 |
| Average earning assets | $243,114,000 | 2,383 |
| Average equity | $41,755,600 | 1,857 |
| Average total loans | $177,570,600 | 2,346 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 1,773 |
| Cost of funding earning assets | 0.5870% | 3,755 |
| Net interest margin | 4.3280% | 1,107 |
| Noninterest income to average assets | 0.7273% | 1,675 |
| Noninterest expense to average assets | 2.6699% | 2,947 |
| Loan and lease loss provision to assets | 0.1534% | 1,222 |
| Net operating income to assets | 1.5394% | 1,090 |
| Return on assets (ROA) | 1.5493% | 1,114 |
| Pretax return on assets | 1.9247% | 819 |
| Return on Equity (ROE) | 9.8113% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.4809% | 903 |
| Net charge-offs to loans | 0.0203% | 2,705 |
| Credit loss provision to net charge-offs | 1,111.1111% | 319 |
| Earnings coverage of net charge-offs (x) | 149.5889% | 542 |
| Efficiency ratio | 56.3776% | 4,131 |
| Assets per employee ($millions) | 4.1099% | 3,746 |
| Cash dividends to net income (ytd only)* | 3.3675% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4419% | 1,420 |
| Loan loss allowance to noncurrent loans | 98.0986% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 1,376 |
| Noncurrent loans to loans | 1.4699% | 1,035 |
| Net loans and leases to total assets | 65.6926% | 3,087 |
| Net loans and leases to deposits | 83.0563% | 2,560 |
| Net loans and leases to core deposits | 85.4091% | 2,958 |
| Total domestic deposits to total assets | 79.0941% | 4,171 |
| Equity capital to assets | 16.3285% | 582 |
| Core capital (leverage) ratio | 16.1554% | 542 |
| Tier 1 risk-based capital ratio | 21.9612% | 1,075 |
| Total risk-based capital ratio | 23.2118% | 1,049 |
| Memoranda: | ||
| Average total assets | $260,678,750 | 2,412 |
| Average earning assets | $241,430,000 | 2,411 |
| Average equity | $41,162,250 | 1,885 |
| Average total loans | $177,085,250 | 2,374 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 1,838 |
| Cost of funding earning assets | 0.5824% | 3,741 |
| Net interest margin | 4.2908% | 1,166 |
| Noninterest income to average assets | 0.6987% | 1,716 |
| Noninterest expense to average assets | 2.6680% | 3,008 |
| Loan and lease loss provision to assets | 0.2316% | 699 |
| Net operating income to assets | 1.4276% | 1,351 |
| Return on assets (ROA) | 1.4283% | 1,402 |
| Pretax return on assets | 1.7684% | 1,124 |
| Return on Equity (ROE) | 9.1504% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.1504% | 991 |
| Net charge-offs to loans | 0.0326% | 2,207 |
| Credit loss provision to net charge-offs | 1,037.9310% | 334 |
| Earnings coverage of net charge-offs (x) | 89.5862% | 749 |
| Efficiency ratio | 57.1641% | 4,111 |
| Assets per employee ($millions) | 4.1269% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3924% | 1,646 |
| Loan loss allowance to noncurrent loans | 66.8342% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4543% | 785 |
| Noncurrent loans to loans | 2.0833% | 669 |
| Net loans and leases to total assets | 68.8325% | 2,696 |
| Net loans and leases to deposits | 86.8393% | 2,151 |
| Net loans and leases to core deposits | 89.0890% | 2,684 |
| Total domestic deposits to total assets | 79.2642% | 4,169 |
| Equity capital to assets | 16.0980% | 603 |
| Core capital (leverage) ratio | 15.8112% | 573 |
| Tier 1 risk-based capital ratio | 20.9640% | 1,181 |
| Total risk-based capital ratio | 22.2142% | 1,166 |
| Memoranda: | ||
| Average total assets | $259,894,670 | 2,421 |
| Average earning assets | $240,374,000 | 2,431 |
| Average equity | $40,566,670 | 1,906 |
| Average total loans | $177,673,670 | 2,369 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 1,750 |
| Cost of funding earning assets | 0.5700% | 3,734 |
| Net interest margin | 4.2840% | 1,125 |
| Noninterest income to average assets | 0.6311% | 1,905 |
| Noninterest expense to average assets | 2.6539% | 3,046 |
| Loan and lease loss provision to assets | 0.2324% | 649 |
| Net operating income to assets | 1.3639% | 1,476 |
| Return on assets (ROA) | 1.3639% | 1,519 |
| Pretax return on assets | 1.6902% | 1,236 |
| Return on Equity (ROE) | 8.8771% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.8771% | 1,363 |
| Net charge-offs to loans | 0.9057% | 159 |
| Credit loss provision to net charge-offs | 37.9397% | 2,044 |
| Earnings coverage of net charge-offs (x) | 3.1382% | 2,428 |
| Efficiency ratio | 57.9886% | 4,077 |
| Assets per employee ($millions) | 4.1769% | 3,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,870 |
| Loan loss allowance to noncurrent loans | 88.6926% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 1,618 |
| Noncurrent loans to loans | 1.2940% | 1,270 |
| Net loans and leases to total assets | 66.7871% | 2,934 |
| Net loans and leases to deposits | 84.0751% | 2,376 |
| Net loans and leases to core deposits | 85.8189% | 2,880 |
| Total domestic deposits to total assets | 79.4375% | 4,262 |
| Equity capital to assets | 15.6592% | 626 |
| Core capital (leverage) ratio | 15.4792% | 599 |
| Tier 1 risk-based capital ratio | 21.2141% | 1,137 |
| Total risk-based capital ratio | 22.2896% | 1,138 |
| Memoranda: | ||
| Average total assets | $259,844,500 | 2,445 |
| Average earning assets | $239,309,500 | 2,458 |
| Average equity | $39,923,000 | 1,924 |
| Average total loans | $175,766,500 | 2,415 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6520% | 1,984 |
| Cost of funding earning assets | 0.4901% | 3,419 |
| Net interest margin | 4.1620% | 1,499 |
| Noninterest income to average assets | 0.7548% | 1,622 |
| Noninterest expense to average assets | 2.6259% | 3,256 |
| Loan and lease loss provision to assets | 0.1463% | 1,455 |
| Net operating income to assets | 1.2232% | 2,072 |
| Return on assets (ROA) | 1.2262% | 2,056 |
| Pretax return on assets | 1.8424% | 828 |
| Return on Equity (ROE) | 8.3742% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.2904% | 1,546 |
| Net charge-offs to loans | 0.0006% | 3,767 |
| Credit loss provision to net charge-offs | 37,800.0000% | 8 |
| Earnings coverage of net charge-offs (x) | 5,128.0000% | 10 |
| Efficiency ratio | 56.9510% | 4,288 |
| Assets per employee ($millions) | 4.3454% | 3,393 |
| Cash dividends to net income (ytd only)* | 12.9419% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 2,158 |
| Loan loss allowance to noncurrent loans | 97.6190% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.8860% | 1,575 |
| Noncurrent loans to loans | 1.3083% | 1,202 |
| Net loans and leases to total assets | 66.8579% | 3,018 |
| Net loans and leases to deposits | 86.6867% | 2,193 |
| Net loans and leases to core deposits | 88.4075% | 2,723 |
| Total domestic deposits to total assets | 77.1259% | 4,615 |
| Equity capital to assets | 15.0712% | 695 |
| Core capital (leverage) ratio | 14.9838% | 696 |
| Tier 1 risk-based capital ratio | 20.3535% | 1,249 |
| Total risk-based capital ratio | 21.5392% | 1,238 |
| Memoranda: | ||
| Average total assets | $258,352,600 | 2,414 |
| Average earning assets | $239,358,000 | 2,414 |
| Average equity | $37,830,600 | 1,948 |
| Average total loans | $173,073,000 | 2,410 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5723% | 2,067 |
| Cost of funding earning assets | 0.4626% | 3,439 |
| Net interest margin | 4.1097% | 1,598 |
| Noninterest income to average assets | 0.7324% | 1,742 |
| Noninterest expense to average assets | 2.6132% | 3,244 |
| Loan and lease loss provision to assets | 0.1179% | 1,722 |
| Net operating income to assets | 1.2497% | 2,048 |
| Return on assets (ROA) | 1.2497% | 2,057 |
| Pretax return on assets | 1.8197% | 968 |
| Return on Equity (ROE) | 8.5981% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.8685% | 1,717 |
| Net charge-offs to loans | 0.0008% | 3,472 |
| Credit loss provision to net charge-offs | 22,800.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 3,755.2932% | 12 |
| Efficiency ratio | 57.4221% | 4,193 |
| Assets per employee ($millions) | 4.2854% | 3,454 |
| Cash dividends to net income (ytd only)* | 8.4852% | 3,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,639 |
| Loan loss allowance to noncurrent loans | 104.2595% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7852% | 1,893 |
| Noncurrent loans to loans | 1.1489% | 1,476 |
| Net loans and leases to total assets | 67.5249% | 3,008 |
| Net loans and leases to deposits | 86.5890% | 2,308 |
| Net loans and leases to core deposits | 88.3183% | 2,818 |
| Total domestic deposits to total assets | 77.9832% | 4,486 |
| Equity capital to assets | 14.9495% | 734 |
| Core capital (leverage) ratio | 15.0331% | 694 |
| Tier 1 risk-based capital ratio | 20.1758% | 1,303 |
| Total risk-based capital ratio | 21.2887% | 1,294 |
| Memoranda: | ||
| Average total assets | $257,760,000 | 2,432 |
| Average earning assets | $239,494,250 | 2,424 |
| Average equity | $37,464,750 | 1,969 |
| Average total loans | $172,199,000 | 2,430 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 2,166 |
| Cost of funding earning assets | 0.4414% | 3,417 |
| Net interest margin | 4.0337% | 1,749 |
| Noninterest income to average assets | 0.7257% | 1,764 |
| Noninterest expense to average assets | 2.6065% | 3,309 |
| Loan and lease loss provision to assets | 0.1171% | 1,691 |
| Net operating income to assets | 1.0854% | 2,640 |
| Return on assets (ROA) | 1.0854% | 2,648 |
| Pretax return on assets | 1.7428% | 1,110 |
| Return on Equity (ROE) | 7.5390% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.4351% | 2,345 |
| Net charge-offs to loans | 0.0058% | 2,941 |
| Credit loss provision to net charge-offs | 3,020.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 479.8000% | 188 |
| Efficiency ratio | 58.3579% | 4,179 |
| Assets per employee ($millions) | 3.7964% | 4,217 |
| Cash dividends to net income (ytd only)* | 14.6429% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 2,819 |
| Loan loss allowance to noncurrent loans | 97.6823% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8142% | 1,837 |
| Noncurrent loans to loans | 1.2113% | 1,433 |
| Net loans and leases to total assets | 66.4215% | 3,076 |
| Net loans and leases to deposits | 82.8712% | 2,676 |
| Net loans and leases to core deposits | 84.4934% | 3,040 |
| Total domestic deposits to total assets | 80.1503% | 4,201 |
| Equity capital to assets | 14.7714% | 739 |
| Core capital (leverage) ratio | 14.5975% | 752 |
| Tier 1 risk-based capital ratio | 20.3457% | 1,265 |
| Total risk-based capital ratio | 21.4537% | 1,263 |
| Memoranda: | ||
| Average total assets | $257,971,330 | 2,440 |
| Average earning assets | $239,232,000 | 2,434 |
| Average equity | $37,140,000 | 1,982 |
| Average total loans | $171,022,330 | 2,452 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4444% | 2,038 |
| Cost of funding earning assets | 0.4248% | 3,404 |
| Net interest margin | 4.0196% | 1,660 |
| Noninterest income to average assets | 0.6960% | 1,847 |
| Noninterest expense to average assets | 2.6284% | 3,248 |
| Loan and lease loss provision to assets | 0.1170% | 1,614 |
| Net operating income to assets | 1.6660% | 743 |
| Return on assets (ROA) | 1.6660% | 746 |
| Pretax return on assets | 1.6660% | 1,203 |
| Return on Equity (ROE) | 11.7214% | 1,677 |
| Retained earnings to average equity (ytd only) | 11.7214% | 734 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5812% | 4,119 |
| Assets per employee ($millions) | 4.1496% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,816 |
| Loan loss allowance to noncurrent loans | 94.0780% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 1,967 |
| Noncurrent loans to loans | 1.2737% | 1,409 |
| Net loans and leases to total assets | 62.6236% | 3,472 |
| Net loans and leases to deposits | 77.4935% | 3,065 |
| Net loans and leases to core deposits | 78.9761% | 3,406 |
| Total domestic deposits to total assets | 80.8113% | 4,243 |
| Equity capital to assets | 14.4949% | 775 |
| Core capital (leverage) ratio | 14.5408% | 750 |
| Tier 1 risk-based capital ratio | 20.8772% | 1,218 |
| Total risk-based capital ratio | 21.9835% | 1,217 |
| Memoranda: | ||
| Average total assets | $259,779,000 | 2,448 |
| Average earning assets | $240,120,500 | 2,448 |
| Average equity | $36,924,000 | 2,002 |
| Average total loans | $171,048,500 | 2,461 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,880 |
| Cost of funding earning assets | 0.3979% | 3,277 |
| Net interest margin | 4.0517% | 1,585 |
| Noninterest income to average assets | 0.6310% | 2,302 |
| Noninterest expense to average assets | 2.6471% | 3,291 |
| Loan and lease loss provision to assets | 0.0132% | 4,024 |
| Net operating income to assets | 1.7328% | 492 |
| Return on assets (ROA) | 1.7382% | 497 |
| Pretax return on assets | 1.7382% | 921 |
| Return on Equity (ROE) | 12.7345% | 1,015 |
| Retained earnings to average equity (ytd only) | 8.7171% | 554 |
| Net charge-offs to loans | 0.1524% | 1,585 |
| Credit loss provision to net charge-offs | 13.1274% | 3,652 |
| Earnings coverage of net charge-offs (x) | 17.3707% | 2,132 |
| Efficiency ratio | 60.2562% | 4,222 |
| Assets per employee ($millions) | 4.2997% | 3,484 |
| Cash dividends to net income (ytd only)* | 31.5472% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,627 |
| Loan loss allowance to noncurrent loans | 86.3448% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 1,880 |
| Noncurrent loans to loans | 1.2149% | 1,456 |
| Net loans and leases to total assets | 67.5417% | 2,883 |
| Net loans and leases to deposits | 88.9030% | 1,905 |
| Net loans and leases to core deposits | 90.5582% | 2,508 |
| Total domestic deposits to total assets | 75.9723% | 4,980 |
| Equity capital to assets | 13.9377% | 931 |
| Core capital (leverage) ratio | 13.8347% | 873 |
| Tier 1 risk-based capital ratio | 18.3435% | 1,697 |
| Total risk-based capital ratio | 19.3060% | 1,737 |
| Memoranda: | ||
| Average total assets | $257,675,800 | 2,436 |
| Average earning assets | $239,258,800 | 2,429 |
| Average equity | $35,172,200 | 2,070 |
| Average total loans | $169,920,600 | 2,420 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3914% | 1,985 |
| Cost of funding earning assets | 0.3857% | 3,329 |
| Net interest margin | 4.0057% | 1,680 |
| Noninterest income to average assets | 0.5712% | 2,622 |
| Noninterest expense to average assets | 2.6071% | 3,387 |
| Loan and lease loss provision to assets | 0.0005% | 4,080 |
| Net operating income to assets | 1.6887% | 590 |
| Return on assets (ROA) | 1.6954% | 598 |
| Pretax return on assets | 1.6954% | 1,142 |
| Return on Equity (ROE) | 12.4883% | 1,190 |
| Retained earnings to average equity (ytd only) | 9.0389% | 826 |
| Net charge-offs to loans | 0.2060% | 1,038 |
| Credit loss provision to net charge-offs | 0.3861% | 3,272 |
| Earnings coverage of net charge-offs (x) | 12.5484% | 2,423 |
| Efficiency ratio | 60.6823% | 4,090 |
| Assets per employee ($millions) | 4.2420% | 3,575 |
| Cash dividends to net income (ytd only)* | 27.6210% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,804 |
| Loan loss allowance to noncurrent loans | 87.1928% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 2,136 |
| Noncurrent loans to loans | 1.2018% | 1,589 |
| Net loans and leases to total assets | 66.2431% | 3,069 |
| Net loans and leases to deposits | 87.5244% | 2,126 |
| Net loans and leases to core deposits | 89.2827% | 2,672 |
| Total domestic deposits to total assets | 75.6853% | 5,055 |
| Equity capital to assets | 13.8479% | 1,036 |
| Core capital (leverage) ratio | 13.6602% | 974 |
| Tier 1 risk-based capital ratio | 18.3546% | 1,769 |
| Total risk-based capital ratio | 19.3197% | 1,790 |
| Memoranda: | ||
| Average total assets | $256,524,500 | 2,462 |
| Average earning assets | $238,552,000 | 2,453 |
| Average equity | $34,826,250 | 2,098 |
| Average total loans | $167,644,000 | 2,462 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 1,990 |
| Cost of funding earning assets | 0.3647% | 3,431 |
| Net interest margin | 3.9782% | 1,682 |
| Noninterest income to average assets | 0.4647% | 3,257 |
| Noninterest expense to average assets | 2.6316% | 3,334 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5301% | 811 |
| Return on assets (ROA) | 1.5301% | 834 |
| Pretax return on assets | 1.5301% | 1,545 |
| Return on Equity (ROE) | 11.3486% | 1,513 |
| Retained earnings to average equity (ytd only) | 6.0942% | 2,061 |
| Net charge-offs to loans | 0.0012% | 3,481 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,946.0000% | 23 |
| Efficiency ratio | 63.2345% | 3,798 |
| Assets per employee ($millions) | 3.8373% | 4,216 |
| Cash dividends to net income (ytd only)* | 46.3001% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2251% | 2,863 |
| Loan loss allowance to noncurrent loans | 124.3787% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6573% | 2,575 |
| Noncurrent loans to loans | 0.9850% | 1,991 |
| Net loans and leases to total assets | 65.9174% | 3,118 |
| Net loans and leases to deposits | 84.5783% | 2,395 |
| Net loans and leases to core deposits | 86.2612% | 2,852 |
| Total domestic deposits to total assets | 77.9365% | 4,826 |
| Equity capital to assets | 13.6811% | 1,074 |
| Core capital (leverage) ratio | 13.2799% | 1,063 |
| Tier 1 risk-based capital ratio | 18.1466% | 1,809 |
| Total risk-based capital ratio | 19.2761% | 1,803 |
| Memoranda: | ||
| Average total assets | $254,365,670 | 2,487 |
| Average earning assets | $236,386,670 | 2,483 |
| Average equity | $34,295,000 | 2,129 |
| Average total loans | $164,837,000 | 2,497 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,224 |
| Cost of funding earning assets | 0.3272% | 3,781 |
| Net interest margin | 3.8892% | 1,820 |
| Noninterest income to average assets | 0.8300% | 1,455 |
| Noninterest expense to average assets | 2.7463% | 2,966 |
| Loan and lease loss provision to assets | -0.0016% | 5,633 |
| Net operating income to assets | 1.6933% | 560 |
| Return on assets (ROA) | 1.6933% | 571 |
| Pretax return on assets | 1.6933% | 1,023 |
| Return on Equity (ROE) | 12.6538% | 1,076 |
| Retained earnings to average equity (ytd only) | 8.3059% | 1,341 |
| Net charge-offs to loans | -0.0025% | 4,031 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8810% | 4,167 |
| Assets per employee ($millions) | 3.7765% | 4,377 |
| Cash dividends to net income (ytd only)* | 34.3604% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3141% | 2,468 |
| Loan loss allowance to noncurrent loans | 36.2149% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.2950% | 533 |
| Noncurrent loans to loans | 3.6285% | 321 |
| Net loans and leases to total assets | 62.4194% | 3,480 |
| Net loans and leases to deposits | 75.6420% | 3,240 |
| Net loans and leases to core deposits | 77.0811% | 3,555 |
| Total domestic deposits to total assets | 82.5194% | 4,003 |
| Equity capital to assets | 13.5770% | 1,043 |
| Core capital (leverage) ratio | 13.3839% | 1,007 |
| Tier 1 risk-based capital ratio | 18.8857% | 1,641 |
| Total risk-based capital ratio | 20.0738% | 1,612 |
| Memoranda: | ||
| Average total assets | $252,999,000 | 2,519 |
| Average earning assets | $234,704,000 | 2,513 |
| Average equity | $33,855,500 | 2,157 |
| Average total loans | $161,468,000 | 2,559 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 1,984 |
| Cost of funding earning assets | 0.2965% | 4,101 |
| Net interest margin | 4.0519% | 1,488 |
| Noninterest income to average assets | 0.8005% | 1,742 |
| Noninterest expense to average assets | 2.7503% | 3,189 |
| Loan and lease loss provision to assets | 0.0118% | 4,140 |
| Net operating income to assets | 1.8113% | 439 |
| Return on assets (ROA) | 1.8129% | 457 |
| Pretax return on assets | 1.8129% | 774 |
| Return on Equity (ROE) | 13.6287% | 840 |
| Retained earnings to average equity (ytd only) | 9.4907% | 500 |
| Net charge-offs to loans | -0.1767% | 5,716 |
| Credit loss provision to net charge-offs | -10.1045% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1367% | 4,560 |
| Assets per employee ($millions) | 3.8329% | 4,245 |
| Cash dividends to net income (ytd only)* | 30.3627% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,598 |
| Loan loss allowance to noncurrent loans | 41.4875% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 2.0038% | 683 |
| Noncurrent loans to loans | 3.1118% | 425 |
| Net loans and leases to total assets | 63.5615% | 3,410 |
| Net loans and leases to deposits | 76.8291% | 3,223 |
| Net loans and leases to core deposits | 78.5284% | 3,530 |
| Total domestic deposits to total assets | 82.7310% | 3,848 |
| Equity capital to assets | 13.1863% | 1,180 |
| Core capital (leverage) ratio | 13.2068% | 1,057 |
| Tier 1 risk-based capital ratio | 17.9607% | 1,854 |
| Total risk-based capital ratio | 19.1148% | 1,846 |
| Memoranda: | ||
| Average total assets | $246,340,000 | 2,539 |
| Average earning assets | $229,375,400 | 2,518 |
| Average equity | $32,769,000 | 2,191 |
| Average total loans | $162,405,800 | 2,496 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3864% | 1,900 |
| Cost of funding earning assets | 0.2938% | 4,170 |
| Net interest margin | 4.0926% | 1,405 |
| Noninterest income to average assets | 0.7792% | 1,844 |
| Noninterest expense to average assets | 2.7567% | 3,157 |
| Loan and lease loss provision to assets | 0.0163% | 3,918 |
| Net operating income to assets | 1.8244% | 464 |
| Return on assets (ROA) | 1.8265% | 484 |
| Pretax return on assets | 1.8265% | 849 |
| Return on Equity (ROE) | 13.7001% | 878 |
| Retained earnings to average equity (ytd only) | 10.0176% | 574 |
| Net charge-offs to loans | -0.2325% | 5,796 |
| Credit loss provision to net charge-offs | -10.6007% | 4,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9621% | 4,547 |
| Assets per employee ($millions) | 3.5817% | 4,669 |
| Cash dividends to net income (ytd only)* | 26.8794% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,776 |
| Loan loss allowance to noncurrent loans | 62.5186% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3791% | 1,355 |
| Noncurrent loans to loans | 2.0543% | 946 |
| Net loans and leases to total assets | 66.2739% | 3,078 |
| Net loans and leases to deposits | 80.1934% | 2,936 |
| Net loans and leases to core deposits | 82.1621% | 3,267 |
| Total domestic deposits to total assets | 82.6426% | 3,729 |
| Equity capital to assets | 13.9040% | 1,078 |
| Core capital (leverage) ratio | 13.2104% | 1,104 |
| Tier 1 risk-based capital ratio | 17.7846% | 1,982 |
| Total risk-based capital ratio | 18.9493% | 1,968 |
| Memoranda: | ||
| Average total assets | $244,681,500 | 2,563 |
| Average earning assets | $228,275,750 | 2,538 |
| Average equity | $32,621,750 | 2,211 |
| Average total loans | $162,283,000 | 2,498 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 2,274 |
| Cost of funding earning assets | 0.2901% | 4,248 |
| Net interest margin | 3.9753% | 1,723 |
| Noninterest income to average assets | 0.7876% | 1,772 |
| Noninterest expense to average assets | 2.7030% | 3,391 |
| Loan and lease loss provision to assets | 0.0229% | 3,670 |
| Net operating income to assets | 1.7751% | 497 |
| Return on assets (ROA) | 1.7784% | 523 |
| Pretax return on assets | 1.7784% | 923 |
| Return on Equity (ROE) | 13.5309% | 919 |
| Retained earnings to average equity (ytd only) | 10.0970% | 574 |
| Net charge-offs to loans | -0.0025% | 4,392 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0544% | 4,632 |
| Assets per employee ($millions) | 3.5998% | 4,596 |
| Cash dividends to net income (ytd only)* | 25.3786% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,821 |
| Loan loss allowance to noncurrent loans | 44.8975% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.6533% | 1,097 |
| Noncurrent loans to loans | 2.5017% | 698 |
| Net loans and leases to total assets | 65.3443% | 3,173 |
| Net loans and leases to deposits | 78.1309% | 3,144 |
| Net loans and leases to core deposits | 79.8685% | 3,469 |
| Total domestic deposits to total assets | 83.6344% | 3,407 |
| Equity capital to assets | 13.5538% | 1,204 |
| Core capital (leverage) ratio | 12.7535% | 1,253 |
| Tier 1 risk-based capital ratio | 17.5860% | 2,050 |
| Total risk-based capital ratio | 18.6088% | 2,075 |
| Memoranda: | ||
| Average total assets | $245,056,670 | 2,571 |
| Average earning assets | $228,913,330 | 2,546 |
| Average equity | $32,207,670 | 2,236 |
| Average total loans | $161,872,670 | 2,510 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2589% | 2,275 |
| Cost of funding earning assets | 0.2920% | 4,260 |
| Net interest margin | 3.9670% | 1,721 |
| Noninterest income to average assets | 0.8940% | 1,329 |
| Noninterest expense to average assets | 2.7799% | 3,147 |
| Loan and lease loss provision to assets | 0.0065% | 3,593 |
| Net operating income to assets | 1.8092% | 460 |
| Return on assets (ROA) | 1.8092% | 490 |
| Pretax return on assets | 1.8092% | 838 |
| Return on Equity (ROE) | 13.9838% | 834 |
| Retained earnings to average equity (ytd only) | 11.4115% | 589 |
| Net charge-offs to loans | -0.0025% | 4,144 |
| Credit loss provision to net charge-offs | -400.0000% | 4,493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4899% | 4,683 |
| Assets per employee ($millions) | 3.7463% | 4,401 |
| Cash dividends to net income (ytd only)* | 18.3950% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,975 |
| Loan loss allowance to noncurrent loans | 337.4765% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 4,701 |
| Noncurrent loans to loans | 0.3299% | 4,255 |
| Net loans and leases to total assets | 64.3672% | 3,196 |
| Net loans and leases to deposits | 76.4947% | 3,163 |
| Net loans and leases to core deposits | 78.3763% | 3,463 |
| Total domestic deposits to total assets | 84.1459% | 3,461 |
| Equity capital to assets | 13.0594% | 1,386 |
| Core capital (leverage) ratio | 12.5672% | 1,310 |
| Tier 1 risk-based capital ratio | 17.4914% | 2,126 |
| Total risk-based capital ratio | 18.5174% | 2,159 |
| Memoranda: | ||
| Average total assets | $245,191,000 | 2,581 |
| Average earning assets | $228,790,000 | 2,562 |
| Average equity | $31,722,500 | 2,260 |
| Average total loans | $161,923,000 | 2,507 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0597% | 3,074 |
| Cost of funding earning assets | 0.2914% | 4,352 |
| Net interest margin | 3.7683% | 2,490 |
| Noninterest income to average assets | 0.8012% | 1,787 |
| Noninterest expense to average assets | 2.6126% | 3,877 |
| Loan and lease loss provision to assets | 0.0425% | 3,484 |
| Net operating income to assets | 1.6566% | 622 |
| Return on assets (ROA) | 1.6566% | 645 |
| Pretax return on assets | 1.6566% | 1,091 |
| Return on Equity (ROE) | 13.5236% | 946 |
| Retained earnings to average equity (ytd only) | 5.1462% | 2,318 |
| Net charge-offs to loans | 0.0049% | 4,274 |
| Credit loss provision to net charge-offs | 1,325.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 529.6250% | 126 |
| Efficiency ratio | 60.5934% | 4,818 |
| Assets per employee ($millions) | 3.7404% | 4,394 |
| Cash dividends to net income (ytd only)* | 61.9463% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0970% | 4,069 |
| Loan loss allowance to noncurrent loans | 5,105.7143% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 5,642 |
| Noncurrent loans to loans | 0.0215% | 5,431 |
| Net loans and leases to total assets | 66.2682% | 2,949 |
| Net loans and leases to deposits | 78.0994% | 3,045 |
| Net loans and leases to core deposits | 80.0338% | 3,342 |
| Total domestic deposits to total assets | 84.8511% | 3,152 |
| Equity capital to assets | 12.8143% | 1,454 |
| Core capital (leverage) ratio | 12.2088% | 1,496 |
| Tier 1 risk-based capital ratio | 16.6915% | 2,398 |
| Total risk-based capital ratio | 17.6986% | 2,463 |
| Memoranda: | ||
| Average total assets | $249,367,000 | 2,511 |
| Average earning assets | $232,306,000 | 2,489 |
| Average equity | $30,546,600 | 2,282 |
| Average total loans | $161,979,000 | 2,446 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 3,267 |
| Cost of funding earning assets | 0.2945% | 4,400 |
| Net interest margin | 3.7237% | 2,665 |
| Noninterest income to average assets | 0.7295% | 2,110 |
| Noninterest expense to average assets | 2.5569% | 4,025 |
| Loan and lease loss provision to assets | 0.0558% | 3,079 |
| Net operating income to assets | 1.5903% | 783 |
| Return on assets (ROA) | 1.5903% | 819 |
| Pretax return on assets | 1.5903% | 1,412 |
| Return on Equity (ROE) | 13.1293% | 1,095 |
| Retained earnings to average equity (ytd only) | 6.3957% | 2,019 |
| Net charge-offs to loans | -0.0033% | 4,761 |
| Credit loss provision to net charge-offs | -2,625.0000% | 5,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8344% | 4,767 |
| Assets per employee ($millions) | 3.8290% | 4,211 |
| Cash dividends to net income (ytd only)* | 51.2864% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1601% | 3,871 |
| Loan loss allowance to noncurrent loans | 646.7626% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1152% | 5,288 |
| Noncurrent loans to loans | 0.1794% | 4,937 |
| Net loans and leases to total assets | 63.5022% | 3,379 |
| Net loans and leases to deposits | 74.8383% | 3,440 |
| Net loans and leases to core deposits | 76.7137% | 3,720 |
| Total domestic deposits to total assets | 84.8525% | 3,075 |
| Equity capital to assets | 12.9185% | 1,491 |
| Core capital (leverage) ratio | 12.2972% | 1,513 |
| Tier 1 risk-based capital ratio | 17.3965% | 2,215 |
| Total risk-based capital ratio | 18.4567% | 2,241 |
| Memoranda: | ||
| Average total assets | $250,927,000 | 2,518 |
| Average earning assets | $234,060,500 | 2,490 |
| Average equity | $30,394,500 | 2,308 |
| Average total loans | $161,748,000 | 2,458 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9746% | 3,393 |
| Cost of funding earning assets | 0.2935% | 4,462 |
| Net interest margin | 3.6811% | 2,795 |
| Noninterest income to average assets | 0.6594% | 2,422 |
| Noninterest expense to average assets | 2.5338% | 4,124 |
| Loan and lease loss provision to assets | 0.0787% | 2,541 |
| Net operating income to assets | 1.4817% | 930 |
| Return on assets (ROA) | 1.4817% | 977 |
| Pretax return on assets | 1.4817% | 1,699 |
| Return on Equity (ROE) | 12.4957% | 1,225 |
| Retained earnings to average equity (ytd only) | 7.3992% | 1,520 |
| Net charge-offs to loans | -0.0049% | 4,731 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8874% | 4,692 |
| Assets per employee ($millions) | 3.7430% | 4,340 |
| Cash dividends to net income (ytd only)* | 40.7860% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 4,160 |
| Loan loss allowance to noncurrent loans | 288.2637% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 4,849 |
| Noncurrent loans to loans | 0.3935% | 4,302 |
| Net loans and leases to total assets | 64.2278% | 3,237 |
| Net loans and leases to deposits | 75.3920% | 3,329 |
| Net loans and leases to core deposits | 77.3516% | 3,634 |
| Total domestic deposits to total assets | 85.1918% | 3,041 |
| Equity capital to assets | 12.5755% | 1,614 |
| Core capital (leverage) ratio | 11.8742% | 1,731 |
| Tier 1 risk-based capital ratio | 16.9239% | 2,434 |
| Total risk-based capital ratio | 17.9645% | 2,471 |
| Memoranda: | ||
| Average total assets | $254,160,000 | 2,508 |
| Average earning assets | $237,155,330 | 2,486 |
| Average equity | $30,138,330 | 2,330 |
| Average total loans | $164,003,000 | 2,442 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 3,527 |
| Cost of funding earning assets | 0.2890% | 4,561 |
| Net interest margin | 3.6281% | 2,901 |
| Noninterest income to average assets | 0.6364% | 2,466 |
| Noninterest expense to average assets | 2.5178% | 4,209 |
| Loan and lease loss provision to assets | 0.0786% | 2,382 |
| Net operating income to assets | 1.4253% | 988 |
| Return on assets (ROA) | 1.4253% | 1,041 |
| Pretax return on assets | 1.4253% | 1,790 |
| Return on Equity (ROE) | 12.3707% | 1,248 |
| Retained earnings to average equity (ytd only) | 12.3707% | 519 |
| Net charge-offs to loans | -0.0048% | 4,486 |
| Credit loss provision to net charge-offs | -2,550.0000% | 5,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6054% | 4,689 |
| Assets per employee ($millions) | 3.8078% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 4,646 |
| Loan loss allowance to noncurrent loans | 5,619.3548% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,907 |
| Noncurrent loans to loans | 0.0191% | 5,728 |
| Net loans and leases to total assets | 62.9586% | 3,243 |
| Net loans and leases to deposits | 73.3200% | 3,392 |
| Net loans and leases to core deposits | 75.0298% | 3,682 |
| Total domestic deposits to total assets | 85.8682% | 3,009 |
| Equity capital to assets | 11.9998% | 2,029 |
| Core capital (leverage) ratio | 11.5302% | 1,977 |
| Tier 1 risk-based capital ratio | 16.4531% | 2,704 |
| Total risk-based capital ratio | 17.4425% | 2,770 |
| Memoranda: | ||
| Average total assets | $259,591,000 | 2,472 |
| Average earning assets | $242,223,000 | 2,455 |
| Average equity | $29,909,500 | 2,361 |
| Average total loans | $166,975,500 | 2,410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8747% | 4,225 |
| Cost of funding earning assets | 0.3344% | 4,445 |
| Net interest margin | 3.5403% | 3,638 |
| Noninterest income to average assets | 0.6882% | 2,353 |
| Noninterest expense to average assets | 2.4765% | 4,621 |
| Loan and lease loss provision to assets | 0.0559% | 3,430 |
| Net operating income to assets | 1.4621% | 952 |
| Return on assets (ROA) | 1.4775% | 959 |
| Pretax return on assets | 1.4775% | 1,628 |
| Return on Equity (ROE) | 13.0466% | 1,127 |
| Retained earnings to average equity (ytd only) | 0.0817% | 5,732 |
| Net charge-offs to loans | 0.0070% | 4,785 |
| Credit loss provision to net charge-offs | 1,318.1818% | 217 |
| Earnings coverage of net charge-offs (x) | 357.9091% | 150 |
| Efficiency ratio | 61.9981% | 4,920 |
| Assets per employee ($millions) | 4.0009% | 3,951 |
| Cash dividends to net income (ytd only)* | 99.3737% | 365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 5,140 |
| Loan loss allowance to noncurrent loans | 513.3739% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.1246% | 5,533 |
| Noncurrent loans to loans | 0.1917% | 5,134 |
| Net loans and leases to total assets | 64.3410% | 3,167 |
| Net loans and leases to deposits | 80.0381% | 2,708 |
| Net loans and leases to core deposits | 81.9621% | 3,114 |
| Total domestic deposits to total assets | 80.3879% | 4,912 |
| Equity capital to assets | 11.0599% | 2,840 |
| Core capital (leverage) ratio | 11.0623% | 2,347 |
| Tier 1 risk-based capital ratio | 14.4746% | 3,792 |
| Total risk-based capital ratio | 15.3463% | 3,950 |
| Memoranda: | ||
| Average total assets | $259,356,600 | 2,437 |
| Average earning assets | $242,212,000 | 2,411 |
| Average equity | $29,371,600 | 2,312 |
| Average total loans | $157,316,800 | 2,465 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 4,330 |
| Cost of funding earning assets | 0.3397% | 4,464 |
| Net interest margin | 3.5192% | 3,757 |
| Noninterest income to average assets | 0.6207% | 2,744 |
| Noninterest expense to average assets | 2.4437% | 4,684 |
| Loan and lease loss provision to assets | 0.0733% | 2,874 |
| Net operating income to assets | 1.3938% | 1,143 |
| Return on assets (ROA) | 1.4145% | 1,138 |
| Pretax return on assets | 1.4145% | 1,950 |
| Return on Equity (ROE) | 12.4159% | 1,363 |
| Retained earnings to average equity (ytd only) | 1.9764% | 5,069 |
| Net charge-offs to loans | -0.2506% | 6,353 |
| Credit loss provision to net charge-offs | -49.1349% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4851% | 4,814 |
| Assets per employee ($millions) | 3.7561% | 4,385 |
| Cash dividends to net income (ytd only)* | 84.0818% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 3,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 60.7647% | 3,662 |
| Net loans and leases to deposits | 73.6512% | 3,477 |
| Net loans and leases to core deposits | 75.5942% | 3,798 |
| Total domestic deposits to total assets | 82.5033% | 4,298 |
| Equity capital to assets | 11.9171% | 2,131 |
| Core capital (leverage) ratio | 11.6343% | 1,954 |
| Tier 1 risk-based capital ratio | 15.9640% | 3,076 |
| Total risk-based capital ratio | 17.0782% | 3,086 |
| Memoranda: | ||
| Average total assets | $258,180,250 | 2,469 |
| Average earning assets | $241,375,500 | 2,429 |
| Average equity | $29,413,250 | 2,320 |
| Average total loans | $153,748,750 | 2,518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 4,406 |
| Cost of funding earning assets | 0.3434% | 4,503 |
| Net interest margin | 3.4877% | 3,827 |
| Noninterest income to average assets | 0.5527% | 3,101 |
| Noninterest expense to average assets | 2.3998% | 4,881 |
| Loan and lease loss provision to assets | 0.0688% | 2,895 |
| Net operating income to assets | 1.3379% | 1,211 |
| Return on assets (ROA) | 1.3685% | 1,178 |
| Pretax return on assets | 1.3685% | 2,008 |
| Return on Equity (ROE) | 12.1893% | 1,370 |
| Retained earnings to average equity (ytd only) | 1.7365% | 5,034 |
| Net charge-offs to loans | -0.3478% | 6,461 |
| Credit loss provision to net charge-offs | -33.5821% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0448% | 4,852 |
| Assets per employee ($millions) | 3.4700% | 4,904 |
| Cash dividends to net income (ytd only)* | 85.7542% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 3,936 |
| Loan loss allowance to noncurrent loans | 58.9704% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2984% | 2,516 |
| Noncurrent loans to loans | 2.1786% | 1,508 |
| Net loans and leases to total assets | 58.8341% | 3,885 |
| Net loans and leases to deposits | 68.4558% | 3,999 |
| Net loans and leases to core deposits | 70.1695% | 4,251 |
| Total domestic deposits to total assets | 85.9446% | 3,065 |
| Equity capital to assets | 11.7719% | 2,189 |
| Core capital (leverage) ratio | 11.2637% | 2,182 |
| Tier 1 risk-based capital ratio | 16.2565% | 2,952 |
| Total risk-based capital ratio | 17.3564% | 2,980 |
| Memoranda: | ||
| Average total assets | $261,605,670 | 2,441 |
| Average earning assets | $244,056,670 | 2,405 |
| Average equity | $29,370,000 | 2,306 |
| Average total loans | $154,123,670 | 2,516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 4,465 |
| Cost of funding earning assets | 0.3460% | 4,576 |
| Net interest margin | 3.4601% | 3,859 |
| Noninterest income to average assets | 0.5189% | 3,272 |
| Noninterest expense to average assets | 2.3343% | 5,115 |
| Loan and lease loss provision to assets | 0.0673% | 2,782 |
| Net operating income to assets | 1.3473% | 1,104 |
| Return on assets (ROA) | 1.3997% | 1,031 |
| Pretax return on assets | 1.3997% | 1,748 |
| Return on Equity (ROE) | 12.7566% | 1,222 |
| Retained earnings to average equity (ytd only) | 12.7566% | 519 |
| Net charge-offs to loans | -0.6789% | 6,588 |
| Credit loss provision to net charge-offs | -16.9173% | 4,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2657% | 5,085 |
| Assets per employee ($millions) | 3.6103% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,550 |
| Loan loss allowance to noncurrent loans | 186,600.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,358 |
| Noncurrent loans to loans | 0.0007% | 6,204 |
| Net loans and leases to total assets | 58.9858% | 3,702 |
| Net loans and leases to deposits | 69.6368% | 3,649 |
| Net loans and leases to core deposits | 71.2715% | 3,953 |
| Total domestic deposits to total assets | 84.7049% | 3,999 |
| Equity capital to assets | 11.6744% | 2,117 |
| Core capital (leverage) ratio | 11.0588% | 2,337 |
| Tier 1 risk-based capital ratio | 16.4343% | 2,929 |
| Total risk-based capital ratio | 17.4933% | 2,996 |
| Memoranda: | ||
| Average total assets | $267,488,500 | 2,397 |
| Average earning assets | $249,702,500 | 2,359 |
| Average equity | $29,349,500 | 2,306 |
| Average total loans | $156,733,500 | 2,501 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6629% | 5,234 |
| Cost of funding earning assets | 0.4045% | 4,598 |
| Net interest margin | 3.2584% | 4,814 |
| Noninterest income to average assets | 0.6203% | 2,975 |
| Noninterest expense to average assets | 2.3529% | 5,228 |
| Loan and lease loss provision to assets | 0.0673% | 3,788 |
| Net operating income to assets | 1.2435% | 1,414 |
| Return on assets (ROA) | 1.2547% | 1,436 |
| Pretax return on assets | 1.2547% | 2,341 |
| Return on Equity (ROE) | 11.4026% | 1,632 |
| Retained earnings to average equity (ytd only) | 0.8014% | 5,477 |
| Net charge-offs to loans | -0.0066% | 5,963 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2223% | 4,857 |
| Assets per employee ($millions) | 3.8701% | 4,116 |
| Cash dividends to net income (ytd only)* | 92.9720% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 5,703 |
| Loan loss allowance to noncurrent loans | 543.7063% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,024 |
| Noncurrent loans to loans | 0.1783% | 5,666 |
| Net loans and leases to total assets | 57.0067% | 4,190 |
| Net loans and leases to deposits | 74.8145% | 3,130 |
| Net loans and leases to core deposits | 76.7014% | 3,532 |
| Total domestic deposits to total assets | 76.1974% | 6,078 |
| Equity capital to assets | 10.3264% | 3,369 |
| Core capital (leverage) ratio | 10.2782% | 3,181 |
| Tier 1 risk-based capital ratio | 15.3200% | 3,470 |
| Total risk-based capital ratio | 16.1702% | 3,664 |
| Memoranda: | ||
| Average total assets | $267,629,800 | 2,374 |
| Average earning assets | $249,967,200 | 2,325 |
| Average equity | $29,449,400 | 2,284 |
| Average total loans | $151,133,200 | 2,544 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6363% | 5,338 |
| Cost of funding earning assets | 0.4172% | 4,651 |
| Net interest margin | 3.2191% | 4,934 |
| Noninterest income to average assets | 0.6056% | 3,115 |
| Noninterest expense to average assets | 2.3276% | 5,249 |
| Loan and lease loss provision to assets | 0.0680% | 3,696 |
| Net operating income to assets | 1.2202% | 1,566 |
| Return on assets (ROA) | 1.2202% | 1,640 |
| Pretax return on assets | 1.2202% | 2,618 |
| Return on Equity (ROE) | 10.9119% | 1,851 |
| Retained earnings to average equity (ytd only) | 3.7724% | 3,997 |
| Net charge-offs to loans | -0.0045% | 5,771 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3742% | 4,739 |
| Assets per employee ($millions) | 3.8432% | 4,141 |
| Cash dividends to net income (ytd only)* | 65.4289% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 5,889 |
| Loan loss allowance to noncurrent loans | 1,114.8148% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 6,316 |
| Noncurrent loans to loans | 0.0860% | 6,076 |
| Net loans and leases to total assets | 56.1618% | 4,298 |
| Net loans and leases to deposits | 75.1674% | 3,065 |
| Net loans and leases to core deposits | 77.0249% | 3,493 |
| Total domestic deposits to total assets | 74.7157% | 6,303 |
| Equity capital to assets | 10.7274% | 3,039 |
| Core capital (leverage) ratio | 10.7635% | 2,708 |
| Tier 1 risk-based capital ratio | 15.8996% | 3,252 |
| Total risk-based capital ratio | 16.7356% | 3,434 |
| Memoranda: | ||
| Average total assets | $264,875,750 | 2,409 |
| Average earning assets | $247,682,000 | 2,360 |
| Average equity | $29,618,250 | 2,294 |
| Average total loans | $148,816,000 | 2,589 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6331% | 5,342 |
| Cost of funding earning assets | 0.4353% | 4,603 |
| Net interest margin | 3.1979% | 4,955 |
| Noninterest income to average assets | 0.5526% | 3,483 |
| Noninterest expense to average assets | 2.3853% | 5,094 |
| Loan and lease loss provision to assets | 0.0690% | 3,661 |
| Net operating income to assets | 1.0884% | 1,963 |
| Return on assets (ROA) | 1.0884% | 2,078 |
| Pretax return on assets | 1.0884% | 3,140 |
| Return on Equity (ROE) | 9.5958% | 2,372 |
| Retained earnings to average equity (ytd only) | 4.7506% | 3,227 |
| Net charge-offs to loans | 0.0287% | 4,290 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 71.9048% | 625 |
| Efficiency ratio | 67.3302% | 4,305 |
| Assets per employee ($millions) | 3.5796% | 4,671 |
| Cash dividends to net income (ytd only)* | 50.4930% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 5,804 |
| Loan loss allowance to noncurrent loans | 342.2434% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 5,992 |
| Noncurrent loans to loans | 0.2932% | 5,564 |
| Net loans and leases to total assets | 54.1411% | 4,572 |
| Net loans and leases to deposits | 65.3437% | 4,337 |
| Net loans and leases to core deposits | 66.9593% | 4,596 |
| Total domestic deposits to total assets | 82.8559% | 4,758 |
| Equity capital to assets | 11.2067% | 2,550 |
| Core capital (leverage) ratio | 10.8639% | 2,489 |
| Tier 1 risk-based capital ratio | 16.9187% | 2,742 |
| Total risk-based capital ratio | 17.7703% | 2,884 |
| Memoranda: | ||
| Average total assets | $260,930,000 | 2,452 |
| Average earning assets | $243,975,670 | 2,410 |
| Average equity | $29,596,330 | 2,304 |
| Average total loans | $146,117,330 | 2,629 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5747% | 5,516 |
| Cost of funding earning assets | 0.4329% | 4,772 |
| Net interest margin | 3.1419% | 5,121 |
| Noninterest income to average assets | 0.4924% | 3,822 |
| Noninterest expense to average assets | 2.3011% | 5,419 |
| Loan and lease loss provision to assets | 0.0690% | 3,479 |
| Net operating income to assets | 1.0509% | 2,032 |
| Return on assets (ROA) | 1.0509% | 2,141 |
| Pretax return on assets | 1.0509% | 3,141 |
| Return on Equity (ROE) | 9.2093% | 2,392 |
| Retained earnings to average equity (ytd only) | 2.3259% | 4,860 |
| Net charge-offs to loans | 0.0596% | 3,221 |
| Credit loss provision to net charge-offs | 204.5455% | 1,067 |
| Earnings coverage of net charge-offs (x) | 33.1818% | 908 |
| Efficiency ratio | 67.2646% | 4,454 |
| Assets per employee ($millions) | 3.7452% | 4,459 |
| Cash dividends to net income (ytd only)* | 74.7445% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 6,011 |
| Loan loss allowance to noncurrent loans | 433.7500% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 6,213 |
| Noncurrent loans to loans | 0.2286% | 5,842 |
| Net loans and leases to total assets | 51.3868% | 4,783 |
| Net loans and leases to deposits | 59.3515% | 4,868 |
| Net loans and leases to core deposits | 60.5870% | 5,087 |
| Total domestic deposits to total assets | 86.5804% | 3,193 |
| Equity capital to assets | 11.0574% | 2,897 |
| Core capital (leverage) ratio | 10.7244% | 2,525 |
| Tier 1 risk-based capital ratio | 16.3704% | 3,080 |
| Total risk-based capital ratio | 17.1831% | 3,271 |
| Memoranda: | ||
| Average total assets | $260,741,000 | 2,483 |
| Average earning assets | $243,039,000 | 2,445 |
| Average equity | $29,752,500 | 2,317 |
| Average total loans | $147,721,500 | 2,621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 4,813 |
| Cost of funding earning assets | 0.5580% | 4,747 |
| Net interest margin | 3.5793% | 4,185 |
| Noninterest income to average assets | 0.6761% | 2,851 |
| Noninterest expense to average assets | 2.5678% | 4,871 |
| Loan and lease loss provision to assets | 0.0552% | 5,109 |
| Net operating income to assets | 1.3702% | 1,151 |
| Return on assets (ROA) | 1.3702% | 1,274 |
| Pretax return on assets | 1.3702% | 2,144 |
| Return on Equity (ROE) | 11.7392% | 1,581 |
| Retained earnings to average equity (ytd only) | 7.4386% | 1,361 |
| Net charge-offs to loans | -0.0054% | 6,393 |
| Credit loss provision to net charge-offs | -1,687.5000% | 6,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3055% | 4,831 |
| Assets per employee ($millions) | 3.4497% | 5,110 |
| Cash dividends to net income (ytd only)* | 36.6348% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 6,318 |
| Loan loss allowance to noncurrent loans | 473.9583% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 6,291 |
| Noncurrent loans to loans | 0.1852% | 6,009 |
| Net loans and leases to total assets | 61.2020% | 3,392 |
| Net loans and leases to deposits | 71.7922% | 3,445 |
| Net loans and leases to core deposits | 73.3726% | 3,866 |
| Total domestic deposits to total assets | 85.2489% | 3,742 |
| Equity capital to assets | 11.7891% | 2,194 |
| Core capital (leverage) ratio | 11.2898% | 2,021 |
| Tier 1 risk-based capital ratio | 15.6500% | 3,349 |
| Total risk-based capital ratio | 16.4188% | 3,571 |
| Memoranda: | ||
| Average total assets | $244,642,000 | 2,576 |
| Average earning assets | $226,721,600 | 2,542 |
| Average equity | $28,553,800 | 2,346 |
| Average total loans | $147,263,000 | 2,615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1618% | 4,944 |
| Cost of funding earning assets | 0.5753% | 4,869 |
| Net interest margin | 3.5866% | 4,290 |
| Noninterest income to average assets | 0.6111% | 3,207 |
| Noninterest expense to average assets | 2.5535% | 4,904 |
| Loan and lease loss provision to assets | 0.0494% | 5,147 |
| Net operating income to assets | 1.3385% | 1,354 |
| Return on assets (ROA) | 1.3385% | 1,493 |
| Pretax return on assets | 1.3385% | 2,455 |
| Return on Equity (ROE) | 11.4983% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.7067% | 2,893 |
| Net charge-offs to loans | -0.0083% | 6,335 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7862% | 4,659 |
| Assets per employee ($millions) | 3.4869% | 5,001 |
| Cash dividends to net income (ytd only)* | 50.3690% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,460 |
| Loan loss allowance to noncurrent loans | 880.6667% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 6,601 |
| Noncurrent loans to loans | 0.0987% | 6,367 |
| Net loans and leases to total assets | 59.9865% | 3,788 |
| Net loans and leases to deposits | 73.8718% | 3,300 |
| Net loans and leases to core deposits | 75.5927% | 3,777 |
| Total domestic deposits to total assets | 81.2035% | 5,296 |
| Equity capital to assets | 11.4754% | 2,773 |
| Core capital (leverage) ratio | 10.9912% | 2,394 |
| Tier 1 risk-based capital ratio | 15.4160% | 3,591 |
| Total risk-based capital ratio | 16.1739% | 3,860 |
| Memoranda: | ||
| Average total assets | $242,846,250 | 2,626 |
| Average earning assets | $225,503,500 | 2,584 |
| Average equity | $28,270,250 | 2,385 |
| Average total loans | $145,207,000 | 2,671 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2371% | 4,824 |
| Cost of funding earning assets | 0.5957% | 4,940 |
| Net interest margin | 3.6414% | 4,072 |
| Noninterest income to average assets | 0.5323% | 3,711 |
| Noninterest expense to average assets | 2.5563% | 4,937 |
| Loan and lease loss provision to assets | 0.0375% | 5,207 |
| Net operating income to assets | 1.3144% | 1,405 |
| Return on assets (ROA) | 1.3144% | 1,556 |
| Pretax return on assets | 1.3144% | 2,505 |
| Return on Equity (ROE) | 11.2352% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.9529% | 1,653 |
| Net charge-offs to loans | -0.0070% | 6,223 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4092% | 4,647 |
| Assets per employee ($millions) | 3.2478% | 5,561 |
| Cash dividends to net income (ytd only)* | 29.2142% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 6,493 |
| Loan loss allowance to noncurrent loans | 800.0000% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 6,654 |
| Noncurrent loans to loans | 0.1110% | 6,385 |
| Net loans and leases to total assets | 58.2882% | 4,112 |
| Net loans and leases to deposits | 68.4392% | 4,130 |
| Net loans and leases to core deposits | 69.8301% | 4,545 |
| Total domestic deposits to total assets | 85.1679% | 3,789 |
| Equity capital to assets | 11.7552% | 2,360 |
| Core capital (leverage) ratio | 11.0468% | 2,254 |
| Tier 1 risk-based capital ratio | 16.2759% | 3,016 |
| Total risk-based capital ratio | 17.0491% | 3,244 |
| Memoranda: | ||
| Average total assets | $240,109,000 | 2,655 |
| Average earning assets | $222,606,670 | 2,613 |
| Average equity | $28,090,330 | 2,384 |
| Average total loans | $142,968,670 | 2,723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3809% | 4,401 |
| Cost of funding earning assets | 0.6131% | 5,028 |
| Net interest margin | 3.7678% | 3,529 |
| Noninterest income to average assets | 0.5118% | 3,839 |
| Noninterest expense to average assets | 2.6262% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3609% | 1,295 |
| Return on assets (ROA) | 1.3609% | 1,458 |
| Pretax return on assets | 1.3609% | 2,334 |
| Return on Equity (ROE) | 11.6613% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.6613% | 889 |
| Net charge-offs to loans | -0.0140% | 6,056 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8670% | 4,579 |
| Assets per employee ($millions) | 3.2761% | 5,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 6,594 |
| Loan loss allowance to noncurrent loans | 466.5399% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 6,610 |
| Noncurrent loans to loans | 0.1880% | 6,306 |
| Net loans and leases to total assets | 56.4399% | 4,307 |
| Net loans and leases to deposits | 65.9262% | 4,392 |
| Net loans and leases to core deposits | 67.2445% | 4,770 |
| Total domestic deposits to total assets | 85.6107% | 3,735 |
| Equity capital to assets | 11.4822% | 2,457 |
| Core capital (leverage) ratio | 11.1729% | 2,130 |
| Tier 1 risk-based capital ratio | 16.4123% | 2,955 |
| Total risk-based capital ratio | 17.1730% | 3,182 |
| Memoranda: | ||
| Average total assets | $238,370,500 | 2,689 |
| Average earning assets | $219,864,500 | 2,650 |
| Average equity | $27,818,500 | 2,401 |
| Average total loans | $142,826,000 | 2,739 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9279% | 3,217 |
| Cost of funding earning assets | 0.8021% | 4,853 |
| Net interest margin | 4.1258% | 2,327 |
| Noninterest income to average assets | 0.7165% | 2,511 |
| Noninterest expense to average assets | 3.0360% | 3,462 |
| Loan and lease loss provision to assets | 0.2540% | 3,668 |
| Net operating income to assets | 1.2401% | 1,406 |
| Return on assets (ROA) | 1.2445% | 1,491 |
| Pretax return on assets | 1.2445% | 2,316 |
| Return on Equity (ROE) | 10.2365% | 1,977 |
| Retained earnings to average equity (ytd only) | -7.8541% | 6,614 |
| Net charge-offs to loans | 0.2350% | 4,315 |
| Credit loss provision to net charge-offs | 171.0526% | 1,567 |
| Earnings coverage of net charge-offs (x) | 10.0625% | 1,889 |
| Efficiency ratio | 67.0189% | 4,572 |
| Assets per employee ($millions) | 3.0804% | 5,935 |
| Cash dividends to net income (ytd only)* | 176.7268% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 6,669 |
| Loan loss allowance to noncurrent loans | 194.5860% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 6,282 |
| Noncurrent loans to loans | 0.4309% | 5,847 |
| Net loans and leases to total assets | 62.5564% | 3,496 |
| Net loans and leases to deposits | 73.2104% | 3,632 |
| Net loans and leases to core deposits | 74.7702% | 4,140 |
| Total domestic deposits to total assets | 85.4473% | 3,622 |
| Equity capital to assets | 11.8703% | 2,218 |
| Core capital (leverage) ratio | 11.4659% | 1,920 |
| Tier 1 risk-based capital ratio | 15.5369% | 3,303 |
| Total risk-based capital ratio | 16.2768% | 3,585 |
| Memoranda: | ||
| Average total assets | $204,744,400 | 3,003 |
| Average earning assets | $189,250,000 | 2,976 |
| Average equity | $24,891,400 | 2,595 |
| Average total loans | $129,375,200 | 2,990 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 3,123 |
| Cost of funding earning assets | 0.8248% | 4,978 |
| Net interest margin | 4.1674% | 2,215 |
| Noninterest income to average assets | 0.6721% | 2,761 |
| Noninterest expense to average assets | 3.0505% | 3,349 |
| Loan and lease loss provision to assets | 0.1346% | 4,753 |
| Net operating income to assets | 1.3523% | 1,260 |
| Return on assets (ROA) | 1.3584% | 1,325 |
| Pretax return on assets | 1.3584% | 2,090 |
| Return on Equity (ROE) | 11.0970% | 1,834 |
| Retained earnings to average equity (ytd only) | -10.8441% | 6,883 |
| Net charge-offs to loans | 0.3214% | 3,497 |
| Credit loss provision to net charge-offs | 66.2252% | 4,597 |
| Earnings coverage of net charge-offs (x) | 7.3178% | 2,379 |
| Efficiency ratio | 67.2301% | 4,479 |
| Assets per employee ($millions) | 3.0148% | 6,084 |
| Cash dividends to net income (ytd only)* | 197.7217% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 7,062 |
| Loan loss allowance to noncurrent loans | 121.0174% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 6,200 |
| Noncurrent loans to loans | 0.5103% | 5,826 |
| Net loans and leases to total assets | 64.3369% | 3,243 |
| Net loans and leases to deposits | 77.6454% | 3,062 |
| Net loans and leases to core deposits | 79.3977% | 3,722 |
| Total domestic deposits to total assets | 82.8599% | 4,737 |
| Equity capital to assets | 12.1669% | 2,132 |
| Core capital (leverage) ratio | 11.4637% | 2,051 |
| Tier 1 risk-based capital ratio | 15.7810% | 3,229 |
| Total risk-based capital ratio | 16.3373% | 3,583 |
| Memoranda: | ||
| Average total assets | $198,173,000 | 3,095 |
| Average earning assets | $183,804,500 | 3,053 |
| Average equity | $24,258,250 | 2,652 |
| Average total loans | $125,282,500 | 3,093 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 3,504 |
| Cost of funding earning assets | 0.8291% | 5,196 |
| Net interest margin | 4.0976% | 2,417 |
| Noninterest income to average assets | 0.6365% | 2,915 |
| Noninterest expense to average assets | 3.1039% | 3,238 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3322% | 1,237 |
| Return on assets (ROA) | 1.3417% | 1,289 |
| Pretax return on assets | 1.3417% | 1,996 |
| Return on Equity (ROE) | 10.9347% | 1,816 |
| Retained earnings to average equity (ytd only) | -23.5177% | 7,173 |
| Net charge-offs to loans | 0.0457% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 46.5926% | 664 |
| Efficiency ratio | 69.9690% | 4,125 |
| Assets per employee ($millions) | 2.9313% | 6,232 |
| Cash dividends to net income (ytd only)* | 315.0750% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 7,043 |
| Loan loss allowance to noncurrent loans | 87.3327% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 5,889 |
| Noncurrent loans to loans | 0.7784% | 5,356 |
| Net loans and leases to total assets | 63.3677% | 3,606 |
| Net loans and leases to deposits | 75.2749% | 3,601 |
| Net loans and leases to core deposits | 77.0851% | 4,178 |
| Total domestic deposits to total assets | 84.1818% | 4,268 |
| Equity capital to assets | 11.8972% | 2,165 |
| Core capital (leverage) ratio | 11.7128% | 1,776 |
| Tier 1 risk-based capital ratio | 15.6363% | 3,161 |
| Total risk-based capital ratio | 16.2513% | 3,469 |
| Memoranda: | ||
| Average total assets | $188,859,670 | 3,242 |
| Average earning assets | $175,126,330 | 3,192 |
| Average equity | $23,174,000 | 2,746 |
| Average total loans | $118,250,670 | 3,261 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2212% | 6,235 |
| Cost of funding earning assets | 0.7390% | 5,929 |
| Net interest margin | 3.4823% | 5,091 |
| Noninterest income to average assets | 0.5680% | 3,382 |
| Noninterest expense to average assets | 2.7741% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0233% | 2,099 |
| Return on assets (ROA) | 1.0444% | 2,075 |
| Pretax return on assets | 1.0444% | 2,973 |
| Return on Equity (ROE) | 8.3433% | 2,764 |
| Retained earnings to average equity (ytd only) | -66.5026% | 7,452 |
| Net charge-offs to loans | -0.0266% | 6,668 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0532% | 3,668 |
| Assets per employee ($millions) | 3.1466% | 5,838 |
| Cash dividends to net income (ytd only)* | 897.0787% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7313% | 7,036 |
| Loan loss allowance to noncurrent loans | 72.5125% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 5,730 |
| Noncurrent loans to loans | 1.0085% | 5,039 |
| Net loans and leases to total assets | 60.6926% | 4,133 |
| Net loans and leases to deposits | 70.4271% | 4,282 |
| Net loans and leases to core deposits | 72.0690% | 4,776 |
| Total domestic deposits to total assets | 86.1779% | 3,417 |
| Equity capital to assets | 11.3190% | 2,398 |
| Core capital (leverage) ratio | 15.7679% | 544 |
| Tier 1 risk-based capital ratio | 16.1330% | 2,844 |
| Total risk-based capital ratio | 16.8120% | 3,082 |
| Memoranda: | ||
| Average total assets | $170,435,500 | 3,549 |
| Average earning assets | $158,057,500 | 3,501 |
| Average equity | $21,334,500 | 2,941 |
| Average total loans | $105,373,500 | 3,590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1244% | 3,980 |
| Cost of funding earning assets | 1.0235% | 5,573 |
| Net interest margin | 4.1009% | 2,555 |
| Noninterest income to average assets | 0.9432% | 1,691 |
| Noninterest expense to average assets | 3.2606% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4833% | 795 |
| Return on assets (ROA) | 1.4833% | 856 |
| Pretax return on assets | 1.4833% | 1,415 |
| Return on Equity (ROE) | 10.1744% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.1744% | 487 |
| Net charge-offs to loans | 0.0516% | 6,274 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 43.2895% | 539 |
| Efficiency ratio | 68.7322% | 4,420 |
| Assets per employee ($millions) | 2.7881% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 4,550 |
| Loan loss allowance to noncurrent loans | 161.4767% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.5791% | 5,863 |
| Noncurrent loans to loans | 0.8625% | 5,342 |
| Net loans and leases to total assets | 62.3061% | 4,222 |
| Net loans and leases to deposits | 77.0197% | 3,680 |
| Net loans and leases to core deposits | 77.5025% | 4,519 |
| Total domestic deposits to total assets | 80.8963% | 5,553 |
| Equity capital to assets | 14.8933% | 816 |
| Core capital (leverage) ratio | 14.7845% | 695 |
| Tier 1 risk-based capital ratio | 20.1088% | 1,468 |
| Total risk-based capital ratio | 21.3281% | 1,444 |
| Memoranda: | ||
| Average total assets | $110,899,000 | 4,688 |
| Average earning assets | $102,782,600 | 4,649 |
| Average equity | $16,168,000 | 3,728 |
| Average total loans | $73,598,600 | 4,543 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1588% | 4,035 |
| Cost of funding earning assets | 1.0318% | 5,788 |
| Net interest margin | 4.1270% | 2,501 |
| Noninterest income to average assets | 0.8639% | 1,937 |
| Noninterest expense to average assets | 3.2701% | 2,674 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4273% | 1,061 |
| Return on assets (ROA) | 1.4273% | 1,127 |
| Pretax return on assets | 1.4273% | 1,802 |
| Return on Equity (ROE) | 9.8449% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.8449% | 831 |
| Net charge-offs to loans | -0.0018% | 7,174 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6157% | 4,149 |
| Assets per employee ($millions) | 2.7236% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,406 |
| Loan loss allowance to noncurrent loans | 117.4157% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8527% | 5,389 |
| Noncurrent loans to loans | 1.2006% | 4,839 |
| Net loans and leases to total assets | 67.0816% | 3,438 |
| Net loans and leases to deposits | 83.2910% | 2,842 |
| Net loans and leases to core deposits | 83.8394% | 3,970 |
| Total domestic deposits to total assets | 80.5388% | 5,530 |
| Equity capital to assets | 15.2214% | 841 |
| Core capital (leverage) ratio | 14.5453% | 812 |
| Tier 1 risk-based capital ratio | 19.6452% | 1,617 |
| Total risk-based capital ratio | 20.9001% | 1,586 |
| Memoranda: | ||
| Average total assets | $110,045,500 | 4,766 |
| Average earning assets | $102,218,000 | 4,719 |
| Average equity | $15,953,750 | 3,815 |
| Average total loans | $73,940,750 | 4,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 4,312 |
| Cost of funding earning assets | 1.0197% | 6,055 |
| Net interest margin | 4.1080% | 2,518 |
| Noninterest income to average assets | 0.8043% | 2,094 |
| Noninterest expense to average assets | 3.3058% | 2,545 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3151% | 1,268 |
| Return on assets (ROA) | 1.3151% | 1,338 |
| Pretax return on assets | 1.3151% | 2,038 |
| Return on Equity (ROE) | 9.2226% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.2226% | 1,040 |
| Net charge-offs to loans | -0.0027% | 7,082 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5406% | 3,893 |
| Assets per employee ($millions) | 2.8920% | 6,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4549% | 4,153 |
| Loan loss allowance to noncurrent loans | 40.9643% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 3,181 |
| Noncurrent loans to loans | 3.5515% | 2,224 |
| Net loans and leases to total assets | 62.7581% | 4,529 |
| Net loans and leases to deposits | 76.3538% | 4,265 |
| Net loans and leases to core deposits | 77.8383% | 4,978 |
| Total domestic deposits to total assets | 82.1939% | 4,912 |
| Equity capital to assets | 14.3119% | 1,062 |
| Core capital (leverage) ratio | 14.1855% | 882 |
| Tier 1 risk-based capital ratio | 18.9651% | 1,728 |
| Total risk-based capital ratio | 20.2152% | 1,697 |
| Memoranda: | ||
| Average total assets | $110,412,330 | 4,792 |
| Average earning assets | $102,580,000 | 4,732 |
| Average equity | $15,744,000 | 3,846 |
| Average total loans | $73,878,670 | 4,646 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 3,662 |
| Cost of funding earning assets | 1.0331% | 6,213 |
| Net interest margin | 4.2427% | 1,882 |
| Noninterest income to average assets | 0.6958% | 2,626 |
| Noninterest expense to average assets | 3.4681% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1682% | 1,618 |
| Return on assets (ROA) | 1.1682% | 1,698 |
| Pretax return on assets | 1.1682% | 2,481 |
| Return on Equity (ROE) | 8.2084% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.2084% | 1,619 |
| Net charge-offs to loans | -0.0053% | 6,819 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8025% | 3,439 |
| Assets per employee ($millions) | 2.6639% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5115% | 3,848 |
| Loan loss allowance to noncurrent loans | 52.4335% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.8248% | 3,746 |
| Noncurrent loans to loans | 2.8828% | 2,797 |
| Net loans and leases to total assets | 62.3426% | 4,688 |
| Net loans and leases to deposits | 75.8435% | 4,444 |
| Net loans and leases to core deposits | 77.1462% | 5,117 |
| Total domestic deposits to total assets | 82.1991% | 4,978 |
| Equity capital to assets | 14.3372% | 1,053 |
| Core capital (leverage) ratio | 14.1912% | 913 |
| Tier 1 risk-based capital ratio | 18.4404% | 1,846 |
| Total risk-based capital ratio | 19.6907% | 1,817 |
| Memoranda: | ||
| Average total assets | $109,225,000 | 4,895 |
| Average earning assets | $101,446,000 | 4,836 |
| Average equity | $15,545,000 | 3,910 |
| Average total loans | $74,904,000 | 4,682 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9847% | 1,929 |
| Cost of funding earning assets | 1.4685% | 5,640 |
| Net interest margin | 4.5162% | 1,147 |
| Noninterest income to average assets | 0.9574% | 1,718 |
| Noninterest expense to average assets | 3.2947% | 3,024 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8301% | 336 |
| Return on assets (ROA) | 1.8301% | 343 |
| Pretax return on assets | 1.8301% | 592 |
| Return on Equity (ROE) | 13.2937% | 898 |
| Retained earnings to average equity (ytd only) | 7.1350% | 926 |
| Net charge-offs to loans | -0.0012% | 7,683 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2896% | 5,719 |
| Assets per employee ($millions) | 2.8008% | 6,659 |
| Cash dividends to net income (ytd only)* | 46.3280% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,801 |
| Loan loss allowance to noncurrent loans | 90.9408% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 1.0510% | 4,998 |
| Noncurrent loans to loans | 1.4230% | 4,544 |
| Net loans and leases to total assets | 72.8996% | 2,533 |
| Net loans and leases to deposits | 88.4885% | 2,476 |
| Net loans and leases to core deposits | 97.6216% | 4,265 |
| Total domestic deposits to total assets | 82.3832% | 4,783 |
| Equity capital to assets | 14.1269% | 1,128 |
| Core capital (leverage) ratio | 13.8558% | 1,009 |
| Tier 1 risk-based capital ratio | 16.8577% | 2,182 |
| Total risk-based capital ratio | 18.0352% | 2,177 |
| Memoranda: | ||
| Average total assets | $108,630,600 | 4,857 |
| Average earning assets | $100,238,400 | 4,842 |
| Average equity | $14,954,400 | 4,067 |
| Average total loans | $80,295,800 | 4,498 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0113% | 1,989 |
| Cost of funding earning assets | 1.5614% | 5,585 |
| Net interest margin | 4.4499% | 1,316 |
| Noninterest income to average assets | 0.8370% | 2,251 |
| Noninterest expense to average assets | 3.1132% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8325% | 414 |
| Return on assets (ROA) | 1.8325% | 438 |
| Pretax return on assets | 1.8325% | 752 |
| Return on Equity (ROE) | 13.4002% | 1,030 |
| Retained earnings to average equity (ytd only) | 6.4979% | 1,708 |
| Net charge-offs to loans | -0.0017% | 7,585 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9473% | 5,938 |
| Assets per employee ($millions) | 2.6249% | 7,004 |
| Cash dividends to net income (ytd only)* | 51.5088% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 5,138 |
| Loan loss allowance to noncurrent loans | 176.3514% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 6,116 |
| Noncurrent loans to loans | 0.6783% | 5,943 |
| Net loans and leases to total assets | 78.2249% | 1,526 |
| Net loans and leases to deposits | 99.4259% | 1,165 |
| Net loans and leases to core deposits | 110.2293% | 3,210 |
| Total domestic deposits to total assets | 78.6766% | 5,903 |
| Equity capital to assets | 13.7884% | 1,380 |
| Core capital (leverage) ratio | 13.4999% | 1,232 |
| Tier 1 risk-based capital ratio | 15.9284% | 2,652 |
| Total risk-based capital ratio | 17.0672% | 2,633 |
| Memoranda: | ||
| Average total assets | $108,480,500 | 4,896 |
| Average earning assets | $100,163,750 | 4,860 |
| Average equity | $14,835,250 | 4,125 |
| Average total loans | $80,201,500 | 4,543 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9554% | 2,360 |
| Cost of funding earning assets | 1.6236% | 5,645 |
| Net interest margin | 4.3317% | 1,571 |
| Noninterest income to average assets | 0.7044% | 2,963 |
| Noninterest expense to average assets | 3.1383% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5571% | 745 |
| Return on assets (ROA) | 1.5571% | 806 |
| Pretax return on assets | 1.5571% | 1,314 |
| Return on Equity (ROE) | 11.4182% | 1,582 |
| Retained earnings to average equity (ytd only) | 4.4585% | 2,811 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8377% | 5,398 |
| Assets per employee ($millions) | 2.5849% | 7,083 |
| Cash dividends to net income (ytd only)* | 60.9524% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,553 |
| Loan loss allowance to noncurrent loans | 81.3573% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 4,577 |
| Noncurrent loans to loans | 1.5469% | 4,173 |
| Net loans and leases to total assets | 75.3772% | 2,351 |
| Net loans and leases to deposits | 91.5861% | 2,556 |
| Net loans and leases to core deposits | 101.5991% | 4,327 |
| Total domestic deposits to total assets | 82.3020% | 4,569 |
| Equity capital to assets | 13.6783% | 1,431 |
| Core capital (leverage) ratio | 13.0734% | 1,407 |
| Tier 1 risk-based capital ratio | 16.1464% | 2,571 |
| Total risk-based capital ratio | 17.3317% | 2,542 |
| Memoranda: | ||
| Average total assets | $107,892,330 | 4,943 |
| Average earning assets | $99,406,330 | 4,905 |
| Average equity | $14,713,330 | 4,155 |
| Average total loans | $77,841,000 | 4,663 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8523% | 3,030 |
| Cost of funding earning assets | 1.6901% | 5,634 |
| Net interest margin | 4.1622% | 2,042 |
| Noninterest income to average assets | 0.6508% | 3,196 |
| Noninterest expense to average assets | 3.0793% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3723% | 1,202 |
| Return on assets (ROA) | 1.3723% | 1,294 |
| Pretax return on assets | 1.3723% | 2,051 |
| Return on Equity (ROE) | 10.0785% | 2,285 |
| Retained earnings to average equity (ytd only) | 3.0864% | 4,157 |
| Net charge-offs to loans | -0.0053% | 7,187 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1729% | 4,744 |
| Assets per employee ($millions) | 2.6607% | 6,959 |
| Cash dividends to net income (ytd only)* | 69.3767% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4008% | 3,495 |
| Loan loss allowance to noncurrent loans | 71.3602% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.3411% | 3,985 |
| Noncurrent loans to loans | 1.9630% | 3,316 |
| Net loans and leases to total assets | 67.3615% | 4,277 |
| Net loans and leases to deposits | 81.1691% | 4,427 |
| Net loans and leases to core deposits | 91.0503% | 5,450 |
| Total domestic deposits to total assets | 82.9891% | 4,155 |
| Equity capital to assets | 13.4450% | 1,554 |
| Core capital (leverage) ratio | 13.1885% | 1,422 |
| Tier 1 risk-based capital ratio | 16.6119% | 2,475 |
| Total risk-based capital ratio | 17.8512% | 2,406 |
| Memoranda: | ||
| Average total assets | $107,555,500 | 4,966 |
| Average earning assets | $98,217,500 | 4,967 |
| Average equity | $14,645,000 | 4,203 |
| Average total loans | $75,323,000 | 4,792 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6055% | 2,461 |
| Cost of funding earning assets | 2.2547% | 5,349 |
| Net interest margin | 4.3508% | 1,823 |
| Noninterest income to average assets | 1.0459% | 1,441 |
| Noninterest expense to average assets | 3.1585% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8621% | 474 |
| Return on assets (ROA) | 1.8621% | 459 |
| Pretax return on assets | 1.8621% | 830 |
| Return on Equity (ROE) | 14.7105% | 970 |
| Retained earnings to average equity (ytd only) | 14.7105% | 99 |
| Net charge-offs to loans | -0.0013% | 7,726 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9102% | 5,795 |
| Assets per employee ($millions) | 2.5859% | 7,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 3,359 |
| Loan loss allowance to noncurrent loans | 134.5806% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7310% | 5,035 |
| Noncurrent loans to loans | 1.0182% | 4,550 |
| Net loans and leases to total assets | 70.8108% | 3,833 |
| Net loans and leases to deposits | 85.3280% | 4,206 |
| Net loans and leases to core deposits | 94.2053% | 5,434 |
| Total domestic deposits to total assets | 82.9865% | 3,782 |
| Equity capital to assets | 13.7924% | 1,499 |
| Core capital (leverage) ratio | 13.1184% | 1,514 |
| Tier 1 risk-based capital ratio | 16.6172% | 2,442 |
| Total risk-based capital ratio | 17.8660% | 2,379 |
| Memoranda: | ||
| Average total assets | $106,222,400 | 4,869 |
| Average earning assets | $97,040,400 | 4,891 |
| Average equity | $13,446,200 | 4,467 |
| Average total loans | $74,481,000 | 4,715 |