Home > Industry State Bank > Performance and Condition Ratios
Industry State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 3,824 |
| Cost of funding earning assets | 2.8677% | 435 |
| Net interest margin | 1.6831% | 4,358 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 1.3525% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.4780% | 3,609 |
| Return on assets (ROA) | -3.7721% | 4,462 |
| Pretax return on assets | -3.7721% | 4,462 |
| Return on Equity (ROE) | -509.2500% | 4,465 |
| Retained earnings to average equity (ytd only) | -509.2498% | 4,490 |
| Net charge-offs to loans | 0.0778% | 959 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 24.6111% | 1,349 |
| Efficiency ratio | 73.1211% | 1,513 |
| Assets per employee ($millions) | 16.1080% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8521% | 490 |
| Loan loss allowance to noncurrent loans | 1,330.7692% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,451 |
| Noncurrent loans to loans | 0.1392% | 2,991 |
| Net loans and leases to total assets | 25.1500% | 4,254 |
| Net loans and leases to deposits | 25.7473% | 4,296 |
| Net loans and leases to core deposits | 31.1100% | 4,255 |
| Total domestic deposits to total assets | 97.6700% | 11 |
| Equity capital to assets | 0.4707% | 4,463 |
| Core capital (leverage) ratio | 15.9129% | 496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $741,443,500 | 1,310 |
| Average earning assets | $701,331,000 | 1,293 |
| Average equity | $5,492,000 | 4,208 |
| Average total loans | $185,064,500 | 2,512 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 3,836 |
| Cost of funding earning assets | 3.4477% | 207 |
| Net interest margin | 1.0853% | 4,425 |
| Noninterest income to average assets | 4.7700% | 148 |
| Noninterest expense to average assets | 2.1857% | 3,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 3.1087% | 130 |
| Return on assets (ROA) | 2.7324% | 182 |
| Pretax return on assets | 3.1737% | 164 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.0044% | 2,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 3,440.5556% | 31 |
| Efficiency ratio | 36.2170% | 4,368 |
| Assets per employee ($millions) | 18.3778% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7249% | 604 |
| Loan loss allowance to noncurrent loans | 1,212.7737% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 3,430 |
| Noncurrent loans to loans | 0.1422% | 2,957 |
| Net loans and leases to total assets | 23.9600% | 4,288 |
| Net loans and leases to deposits | 24.6581% | 4,321 |
| Net loans and leases to core deposits | 34.3364% | 4,253 |
| Total domestic deposits to total assets | 97.1600% | 16 |
| Equity capital to assets | 0.9774% | 4,483 |
| Core capital (leverage) ratio | 15.4266% | 548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $857,453,200 | 1,153 |
| Average earning assets | $813,249,000 | 1,124 |
| Average equity | $-2,349,000 | 4,491 |
| Average total loans | $203,703,200 | 2,343 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5094% | 3,823 |
| Cost of funding earning assets | 3.4764% | 210 |
| Net interest margin | 1.0331% | 4,457 |
| Noninterest income to average assets | 1.5600% | 336 |
| Noninterest expense to average assets | 2.2319% | 2,993 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.1881% | 4,017 |
| Return on assets (ROA) | -0.0531% | 4,275 |
| Pretax return on assets | 0.0035% | 4,225 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.0039% | 2,567 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 337.5000% | 344 |
| Efficiency ratio | 84.2557% | 804 |
| Assets per employee ($millions) | 8.6637% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6785% | 691 |
| Loan loss allowance to noncurrent loans | 8,525.6410% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,779 |
| Noncurrent loans to loans | 0.0197% | 3,667 |
| Net loans and leases to total assets | 22.7100% | 4,332 |
| Net loans and leases to deposits | 24.6243% | 4,353 |
| Net loans and leases to core deposits | 34.9418% | 4,284 |
| Total domestic deposits to total assets | 92.2200% | 158 |
| Equity capital to assets | 0.7715% | 4,518 |
| Core capital (leverage) ratio | 12.4335% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $874,255,250 | 1,131 |
| Average earning assets | $829,232,500 | 1,107 |
| Average equity | $-4,867,250 | 4,522 |
| Average total loans | $206,465,750 | 2,309 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 3,783 |
| Cost of funding earning assets | 3.5063% | 174 |
| Net interest margin | 0.9932% | 4,482 |
| Noninterest income to average assets | 1.5300% | 347 |
| Noninterest expense to average assets | 2.1744% | 3,146 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.1921% | 4,014 |
| Return on assets (ROA) | -0.0082% | 4,284 |
| Pretax return on assets | 0.0407% | 4,207 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 84.4185% | 834 |
| Assets per employee ($millions) | 8.1762% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 867 |
| Loan loss allowance to noncurrent loans | 14,482.6087% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,804 |
| Noncurrent loans to loans | 0.0110% | 3,707 |
| Net loans and leases to total assets | 24.1400% | 4,339 |
| Net loans and leases to deposits | 25.5396% | 4,369 |
| Net loans and leases to core deposits | 35.9923% | 4,282 |
| Total domestic deposits to total assets | 94.5100% | 62 |
| Equity capital to assets | -1.6557% | 4,559 |
| Core capital (leverage) ratio | 12.0972% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $879,771,333 | 1,128 |
| Average earning assets | $834,842,333 | 1,105 |
| Average equity | $-8,695,333 | 4,542 |
| Average total loans | $209,255,333 | 2,288 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 3,904 |
| Cost of funding earning assets | 3.4322% | 182 |
| Net interest margin | 0.9207% | 4,519 |
| Noninterest income to average assets | 1.5600% | 318 |
| Noninterest expense to average assets | 2.0874% | 3,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.2639% | 3,883 |
| Return on assets (ROA) | 0.2021% | 4,010 |
| Pretax return on assets | 0.2723% | 3,952 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.0076% | 1,818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 422 |
| Efficiency ratio | 81.9699% | 1,044 |
| Assets per employee ($millions) | 8.5733% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 891 |
| Loan loss allowance to noncurrent loans | 1,155.5556% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 3,502 |
| Noncurrent loans to loans | 0.1367% | 2,923 |
| Net loans and leases to total assets | 22.8100% | 4,368 |
| Net loans and leases to deposits | 24.1538% | 4,387 |
| Net loans and leases to core deposits | 34.3817% | 4,351 |
| Total domestic deposits to total assets | 94.4500% | 89 |
| Equity capital to assets | -1.1946% | 4,587 |
| Core capital (leverage) ratio | 12.0636% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $894,494,500 | 1,116 |
| Average earning assets | $848,913,000 | 1,092 |
| Average equity | $-6,003,500 | 4,572 |
| Average total loans | $209,598,000 | 2,287 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 3,587 |
| Cost of funding earning assets | 2.5822% | 308 |
| Net interest margin | 1.6388% | 4,488 |
| Noninterest income to average assets | 1.4000% | 421 |
| Noninterest expense to average assets | 2.1514% | 3,249 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.7505% | 3,043 |
| Return on assets (ROA) | 0.7280% | 3,096 |
| Pretax return on assets | 0.7590% | 3,316 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.1160% | 823 |
| Credit loss provision to net charge-offs | 101.6260% | 1,822 |
| Earnings coverage of net charge-offs (x) | 28.0447% | 1,670 |
| Efficiency ratio | 69.9281% | 1,888 |
| Assets per employee ($millions) | 8.0020% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 840 |
| Loan loss allowance to noncurrent loans | 678.4114% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,213 |
| Noncurrent loans to loans | 0.2354% | 2,370 |
| Net loans and leases to total assets | 23.3200% | 4,379 |
| Net loans and leases to deposits | 24.9365% | 4,399 |
| Net loans and leases to core deposits | 33.0011% | 4,368 |
| Total domestic deposits to total assets | 93.5000% | 139 |
| Equity capital to assets | -0.1308% | 4,603 |
| Core capital (leverage) ratio | 12.4736% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $868,858,800 | 1,113 |
| Average earning assets | $821,357,200 | 1,091 |
| Average equity | $-22,730,000 | 4,592 |
| Average total loans | $212,111,800 | 2,212 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2421% | 3,393 |
| Cost of funding earning assets | 2.4245% | 322 |
| Net interest margin | 1.8176% | 4,478 |
| Noninterest income to average assets | 1.4300% | 415 |
| Noninterest expense to average assets | 2.1322% | 3,261 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9819% | 2,418 |
| Return on assets (ROA) | 0.9518% | 2,498 |
| Pretax return on assets | 0.9879% | 2,891 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0075% | 2,140 |
| Credit loss provision to net charge-offs | -4,583.3333% | 4,622 |
| Earnings coverage of net charge-offs (x) | 551.7500% | 286 |
| Efficiency ratio | 64.7338% | 2,418 |
| Assets per employee ($millions) | 7.2282% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 982 |
| Loan loss allowance to noncurrent loans | 622.1388% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 3,159 |
| Noncurrent loans to loans | 0.2495% | 2,343 |
| Net loans and leases to total assets | 26.6900% | 4,367 |
| Net loans and leases to deposits | 26.5225% | 4,413 |
| Net loans and leases to core deposits | 32.0222% | 4,366 |
| Total domestic deposits to total assets | 100.6300% | 26 |
| Equity capital to assets | -8.1040% | 4,638 |
| Core capital (leverage) ratio | 11.9915% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2848% | 280 |
| Memoranda: | ||
| Average total assets | $866,017,500 | 1,118 |
| Average earning assets | $818,938,250 | 1,095 |
| Average equity | $-28,124,750 | 4,621 |
| Average total loans | $213,000,750 | 2,211 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,579 |
| Cost of funding earning assets | 2.1118% | 404 |
| Net interest margin | 1.9410% | 4,511 |
| Noninterest income to average assets | 1.3900% | 359 |
| Noninterest expense to average assets | 2.0777% | 3,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1158% | 2,078 |
| Return on assets (ROA) | 1.1131% | 2,077 |
| Pretax return on assets | 1.1499% | 2,511 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0122% | 1,738 |
| Credit loss provision to net charge-offs | -4,230.7692% | 4,658 |
| Earnings coverage of net charge-offs (x) | 395.4615% | 364 |
| Efficiency ratio | 61.5561% | 2,767 |
| Assets per employee ($millions) | 7.8751% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 986 |
| Loan loss allowance to noncurrent loans | 690.4167% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,228 |
| Noncurrent loans to loans | 0.2280% | 2,353 |
| Net loans and leases to total assets | 23.7000% | 4,424 |
| Net loans and leases to deposits | 24.9136% | 4,446 |
| Net loans and leases to core deposits | 29.6322% | 4,406 |
| Total domestic deposits to total assets | 95.1400% | 89 |
| Equity capital to assets | -1.8114% | 4,664 |
| Core capital (leverage) ratio | 11.6306% | 1,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2659% | 287 |
| Memoranda: | ||
| Average total assets | $892,063,667 | 1,091 |
| Average earning assets | $843,912,333 | 1,061 |
| Average equity | $-16,216,333 | 4,649 |
| Average total loans | $212,801,000 | 2,206 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 3,806 |
| Cost of funding earning assets | 1.8641% | 396 |
| Net interest margin | 1.9613% | 4,569 |
| Noninterest income to average assets | 1.5300% | 320 |
| Noninterest expense to average assets | 2.0541% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2488% | 1,798 |
| Return on assets (ROA) | 1.2426% | 1,791 |
| Pretax return on assets | 1.3296% | 2,088 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0168% | 1,347 |
| Credit loss provision to net charge-offs | -6,111.1111% | 4,684 |
| Earnings coverage of net charge-offs (x) | 334.4444% | 337 |
| Efficiency ratio | 57.9809% | 3,197 |
| Assets per employee ($millions) | 8.4734% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 1,053 |
| Loan loss allowance to noncurrent loans | 689.8129% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 3,260 |
| Noncurrent loans to loans | 0.2288% | 2,354 |
| Net loans and leases to total assets | 22.4000% | 4,492 |
| Net loans and leases to deposits | 23.5915% | 4,511 |
| Net loans and leases to core deposits | 28.0803% | 4,483 |
| Total domestic deposits to total assets | 94.9500% | 95 |
| Equity capital to assets | -1.0062% | 4,688 |
| Core capital (leverage) ratio | 11.5933% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6109% | 294 |
| Memoranda: | ||
| Average total assets | $901,027,000 | 1,096 |
| Average earning assets | $852,509,500 | 1,069 |
| Average equity | $-16,407,500 | 4,673 |
| Average total loans | $213,947,500 | 2,218 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5330% | 2,992 |
| Cost of funding earning assets | 0.9249% | 228 |
| Net interest margin | 2.6081% | 4,161 |
| Noninterest income to average assets | 1.2800% | 415 |
| Noninterest expense to average assets | 1.9444% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7854% | 458 |
| Return on assets (ROA) | 1.7853% | 439 |
| Pretax return on assets | 1.8066% | 721 |
| Return on Equity (ROE) | 70.6200% | 12 |
| Retained earnings to average equity (ytd only) | 35.2587% | 25 |
| Net charge-offs to loans | 0.0010% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 8,185.0000% | 14 |
| Efficiency ratio | 49.3218% | 4,170 |
| Assets per employee ($millions) | 7.9140% | 1,368 |
| Cash dividends to net income (ytd only)* | 50.0742% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7814% | 681 |
| Loan loss allowance to noncurrent loans | 780.2817% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,238 |
| Noncurrent loans to loans | 0.2283% | 2,357 |
| Net loans and leases to total assets | 24.3400% | 4,500 |
| Net loans and leases to deposits | 24.5088% | 4,540 |
| Net loans and leases to core deposits | 28.7215% | 4,499 |
| Total domestic deposits to total assets | 99.3100% | 18 |
| Equity capital to assets | -2.6777% | 4,722 |
| Core capital (leverage) ratio | 11.4089% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5074% | 318 |
| Memoranda: | ||
| Average total assets | $906,047,600 | 1,072 |
| Average earning assets | $856,940,800 | 1,048 |
| Average equity | $22,905,000 | 2,707 |
| Average total loans | $202,021,000 | 2,213 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4374% | 2,812 |
| Cost of funding earning assets | 0.7260% | 231 |
| Net interest margin | 2.7114% | 3,906 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 1.9032% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9120% | 338 |
| Return on assets (ROA) | 1.9256% | 325 |
| Pretax return on assets | 1.9988% | 468 |
| Return on Equity (ROE) | 50.9400% | 27 |
| Retained earnings to average equity (ytd only) | 19.6450% | 115 |
| Net charge-offs to loans | 0.0034% | 2,103 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 2,717.8000% | 42 |
| Efficiency ratio | 46.4971% | 4,352 |
| Assets per employee ($millions) | 8.0124% | 1,318 |
| Cash dividends to net income (ytd only)* | 61.4334% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 645 |
| Loan loss allowance to noncurrent loans | 739.3130% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,270 |
| Noncurrent loans to loans | 0.2521% | 2,367 |
| Net loans and leases to total assets | 24.0200% | 4,543 |
| Net loans and leases to deposits | 23.8707% | 4,582 |
| Net loans and leases to core deposits | 27.6515% | 4,548 |
| Total domestic deposits to total assets | 100.6300% | 12 |
| Equity capital to assets | -4.7728% | 4,762 |
| Core capital (leverage) ratio | 11.0451% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8140% | 351 |
| Memoranda: | ||
| Average total assets | $912,947,000 | 1,073 |
| Average earning assets | $864,268,000 | 1,048 |
| Average equity | $34,511,750 | 2,164 |
| Average total loans | $198,102,750 | 2,243 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 2,805 |
| Cost of funding earning assets | 0.5940% | 286 |
| Net interest margin | 2.6841% | 3,731 |
| Noninterest income to average assets | 1.3053% | 426 |
| Noninterest expense to average assets | 1.8447% | 3,847 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9111% | 265 |
| Return on assets (ROA) | 1.9239% | 259 |
| Pretax return on assets | 2.0149% | 365 |
| Return on Equity (ROE) | 30.1910% | 57 |
| Retained earnings to average equity (ytd only) | 18.0958% | 112 |
| Net charge-offs to loans | 0.0051% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,869.6000% | 54 |
| Efficiency ratio | 45.4297% | 4,478 |
| Assets per employee ($millions) | 8.5354% | 1,053 |
| Cash dividends to net income (ytd only)* | 40.0623% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 613 |
| Loan loss allowance to noncurrent loans | 717.2222% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 3,363 |
| Noncurrent loans to loans | 0.2708% | 2,394 |
| Net loans and leases to total assets | 22.2412% | 4,626 |
| Net loans and leases to deposits | 22.8547% | 4,657 |
| Net loans and leases to core deposits | 26.0959% | 4,624 |
| Total domestic deposits to total assets | 97.3153% | 37 |
| Equity capital to assets | -0.5380% | 4,764 |
| Core capital (leverage) ratio | 11.2025% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0845% | 319 |
| Memoranda: | ||
| Average total assets | $934,159,000 | 1,047 |
| Average earning assets | $884,231,667 | 1,029 |
| Average equity | $59,527,667 | 1,447 |
| Average total loans | $194,839,333 | 2,267 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1063% | 2,965 |
| Cost of funding earning assets | 0.5588% | 350 |
| Net interest margin | 2.5475% | 3,791 |
| Noninterest income to average assets | 1.4192% | 377 |
| Noninterest expense to average assets | 1.7698% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0138% | 217 |
| Return on assets (ROA) | 2.0261% | 208 |
| Pretax return on assets | 2.0739% | 313 |
| Return on Equity (ROE) | 21.2576% | 188 |
| Retained earnings to average equity (ytd only) | 12.5294% | 523 |
| Net charge-offs to loans | -0.0062% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4915% | 4,572 |
| Assets per employee ($millions) | 9.3328% | 816 |
| Cash dividends to net income (ytd only)* | 41.0593% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 567 |
| Loan loss allowance to noncurrent loans | 678.6713% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 3,453 |
| Noncurrent loans to loans | 0.3020% | 2,379 |
| Net loans and leases to total assets | 19.6829% | 4,675 |
| Net loans and leases to deposits | 21.2035% | 4,689 |
| Net loans and leases to core deposits | 24.2181% | 4,662 |
| Total domestic deposits to total assets | 92.8289% | 316 |
| Equity capital to assets | 6.3456% | 4,484 |
| Core capital (leverage) ratio | 11.0884% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9734% | 330 |
| Memoranda: | ||
| Average total assets | $961,666,000 | 1,019 |
| Average earning assets | $910,530,500 | 1,001 |
| Average equity | $91,656,500 | 1,067 |
| Average total loans | $192,556,500 | 2,282 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 3,775 |
| Cost of funding earning assets | 0.6214% | 493 |
| Net interest margin | 2.4327% | 4,277 |
| Noninterest income to average assets | 1.1239% | 831 |
| Noninterest expense to average assets | 1.7586% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.6050% | 792 |
| Return on assets (ROA) | 1.7673% | 573 |
| Pretax return on assets | 1.8458% | 824 |
| Return on Equity (ROE) | 13.8554% | 1,228 |
| Retained earnings to average equity (ytd only) | 4.6642% | 2,941 |
| Net charge-offs to loans | 0.0540% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 154.7212% | 641 |
| Efficiency ratio | 48.0420% | 4,403 |
| Assets per employee ($millions) | 9.1656% | 869 |
| Cash dividends to net income (ytd only)* | 66.3365% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9821% | 622 |
| Loan loss allowance to noncurrent loans | 656.3452% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 3,565 |
| Noncurrent loans to loans | 0.3020% | 2,512 |
| Net loans and leases to total assets | 19.5589% | 4,720 |
| Net loans and leases to deposits | 22.6539% | 4,718 |
| Net loans and leases to core deposits | 26.0946% | 4,698 |
| Total domestic deposits to total assets | 86.3378% | 2,785 |
| Equity capital to assets | 12.5926% | 1,034 |
| Core capital (leverage) ratio | 11.1505% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5994% | 365 |
| Memoranda: | ||
| Average total assets | $959,619,800 | 988 |
| Average earning assets | $911,837,800 | 975 |
| Average equity | $122,400,000 | 846 |
| Average total loans | $192,637,000 | 2,288 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0655% | 3,878 |
| Cost of funding earning assets | 0.6466% | 502 |
| Net interest margin | 2.4189% | 4,378 |
| Noninterest income to average assets | 1.1712% | 836 |
| Noninterest expense to average assets | 1.7634% | 4,234 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6299% | 953 |
| Return on assets (ROA) | 1.7584% | 765 |
| Pretax return on assets | 1.8439% | 1,059 |
| Return on Equity (ROE) | 13.7407% | 1,471 |
| Retained earnings to average equity (ytd only) | 4.5155% | 3,401 |
| Net charge-offs to loans | 0.0799% | 871 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 106.3478% | 843 |
| Efficiency ratio | 47.6944% | 4,387 |
| Assets per employee ($millions) | 9.5985% | 739 |
| Cash dividends to net income (ytd only)* | 67.1381% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 681 |
| Loan loss allowance to noncurrent loans | 628.9431% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,689 |
| Noncurrent loans to loans | 0.3121% | 2,667 |
| Net loans and leases to total assets | 19.9250% | 4,798 |
| Net loans and leases to deposits | 23.2231% | 4,799 |
| Net loans and leases to core deposits | 26.9165% | 4,768 |
| Total domestic deposits to total assets | 85.7980% | 2,828 |
| Equity capital to assets | 12.9923% | 983 |
| Core capital (leverage) ratio | 11.0730% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8548% | 436 |
| Memoranda: | ||
| Average total assets | $954,343,750 | 1,008 |
| Average earning assets | $907,766,250 | 992 |
| Average equity | $122,125,250 | 861 |
| Average total loans | $191,871,750 | 2,333 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1015% | 3,861 |
| Cost of funding earning assets | 0.6703% | 521 |
| Net interest margin | 2.4312% | 4,391 |
| Noninterest income to average assets | 1.1927% | 809 |
| Noninterest expense to average assets | 1.7609% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6586% | 937 |
| Return on assets (ROA) | 1.7895% | 770 |
| Pretax return on assets | 1.8818% | 1,054 |
| Return on Equity (ROE) | 14.0572% | 1,397 |
| Retained earnings to average equity (ytd only) | 5.3687% | 3,045 |
| Net charge-offs to loans | 0.1157% | 669 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 75.2545% | 865 |
| Efficiency ratio | 47.2169% | 4,446 |
| Assets per employee ($millions) | 8.8617% | 900 |
| Cash dividends to net income (ytd only)* | 61.8083% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 487 |
| Loan loss allowance to noncurrent loans | 608.0063% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0659% | 3,773 |
| Noncurrent loans to loans | 0.3488% | 2,658 |
| Net loans and leases to total assets | 18.5073% | 4,845 |
| Net loans and leases to deposits | 21.5307% | 4,850 |
| Net loans and leases to core deposits | 25.1072% | 4,827 |
| Total domestic deposits to total assets | 85.9578% | 2,753 |
| Equity capital to assets | 12.8831% | 983 |
| Core capital (leverage) ratio | 10.9788% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9704% | 430 |
| Memoranda: | ||
| Average total assets | $949,309,667 | 1,006 |
| Average earning assets | $902,850,000 | 991 |
| Average equity | $120,849,333 | 863 |
| Average total loans | $190,152,333 | 2,344 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0813% | 3,925 |
| Cost of funding earning assets | 0.6921% | 567 |
| Net interest margin | 2.3891% | 4,424 |
| Noninterest income to average assets | 1.3479% | 718 |
| Noninterest expense to average assets | 1.7938% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7754% | 821 |
| Return on assets (ROA) | 1.9086% | 705 |
| Pretax return on assets | 1.9613% | 1,015 |
| Return on Equity (ROE) | 15.0857% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.3660% | 2,132 |
| Net charge-offs to loans | 0.0928% | 723 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 95.3556% | 634 |
| Efficiency ratio | 46.6220% | 4,429 |
| Assets per employee ($millions) | 8.9818% | 840 |
| Cash dividends to net income (ytd only)* | 44.5434% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 516 |
| Loan loss allowance to noncurrent loans | 415.8395% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 3,690 |
| Noncurrent loans to loans | 0.5002% | 2,357 |
| Net loans and leases to total assets | 19.4736% | 4,864 |
| Net loans and leases to deposits | 22.3274% | 4,866 |
| Net loans and leases to core deposits | 26.0845% | 4,848 |
| Total domestic deposits to total assets | 87.2185% | 2,215 |
| Equity capital to assets | 11.8028% | 1,390 |
| Core capital (leverage) ratio | 11.0852% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $941,000,500 | 999 |
| Average earning assets | $894,047,500 | 988 |
| Average equity | $119,053,500 | 870 |
| Average total loans | $193,908,500 | 2,324 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2553% | 4,388 |
| Cost of funding earning assets | 1.0497% | 496 |
| Net interest margin | 2.2057% | 4,755 |
| Noninterest income to average assets | 1.1261% | 842 |
| Noninterest expense to average assets | 1.8111% | 4,451 |
| Loan and lease loss provision to assets | 0.1536% | 2,456 |
| Net operating income to assets | 1.1653% | 1,664 |
| Return on assets (ROA) | 1.7642% | 450 |
| Pretax return on assets | 1.8931% | 561 |
| Return on Equity (ROE) | 13.8132% | 860 |
| Retained earnings to average equity (ytd only) | 9.9876% | 587 |
| Net charge-offs to loans | 0.1274% | 1,234 |
| Credit loss provision to net charge-offs | 555.1587% | 1,172 |
| Earnings coverage of net charge-offs (x) | 50.6984% | 1,186 |
| Efficiency ratio | 52.9072% | 4,318 |
| Assets per employee ($millions) | 8.6910% | 832 |
| Cash dividends to net income (ytd only)* | 27.6948% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0068% | 579 |
| Loan loss allowance to noncurrent loans | 452.0999% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 3,837 |
| Noncurrent loans to loans | 0.4439% | 2,646 |
| Net loans and leases to total assets | 20.9148% | 4,876 |
| Net loans and leases to deposits | 24.5873% | 4,882 |
| Net loans and leases to core deposits | 28.8993% | 4,861 |
| Total domestic deposits to total assets | 85.0636% | 2,738 |
| Equity capital to assets | 13.5210% | 924 |
| Core capital (leverage) ratio | 11.2647% | 1,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $910,805,200 | 958 |
| Average earning assets | $862,088,600 | 936 |
| Average equity | $116,323,800 | 848 |
| Average total loans | $197,800,600 | 2,258 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3416% | 4,423 |
| Cost of funding earning assets | 1.1566% | 427 |
| Net interest margin | 2.1850% | 4,824 |
| Noninterest income to average assets | 1.1606% | 780 |
| Noninterest expense to average assets | 1.8155% | 4,467 |
| Loan and lease loss provision to assets | 0.1544% | 2,468 |
| Net operating income to assets | 1.1510% | 1,815 |
| Return on assets (ROA) | 1.9153% | 391 |
| Pretax return on assets | 2.0895% | 424 |
| Return on Equity (ROE) | 15.2257% | 660 |
| Retained earnings to average equity (ytd only) | 13.0615% | 328 |
| Net charge-offs to loans | 0.1241% | 1,137 |
| Credit loss provision to net charge-offs | 570.1087% | 1,191 |
| Earnings coverage of net charge-offs (x) | 52.1902% | 1,170 |
| Efficiency ratio | 52.7803% | 4,273 |
| Assets per employee ($millions) | 8.3773% | 882 |
| Cash dividends to net income (ytd only)* | 14.2144% | 3,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8370% | 671 |
| Loan loss allowance to noncurrent loans | 402.7203% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 3,922 |
| Noncurrent loans to loans | 0.4561% | 2,681 |
| Net loans and leases to total assets | 21.8595% | 4,911 |
| Net loans and leases to deposits | 25.7358% | 4,920 |
| Net loans and leases to core deposits | 30.2861% | 4,901 |
| Total domestic deposits to total assets | 84.9379% | 2,469 |
| Equity capital to assets | 13.6519% | 955 |
| Core capital (leverage) ratio | 11.0192% | 1,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,023,000 | 949 |
| Average earning assets | $857,532,000 | 928 |
| Average equity | $113,970,750 | 860 |
| Average total loans | $197,631,500 | 2,255 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4287% | 4,509 |
| Cost of funding earning assets | 1.2900% | 375 |
| Net interest margin | 2.1386% | 4,905 |
| Noninterest income to average assets | 1.1968% | 701 |
| Noninterest expense to average assets | 1.8333% | 4,510 |
| Loan and lease loss provision to assets | 0.1653% | 2,347 |
| Net operating income to assets | 1.1241% | 1,890 |
| Return on assets (ROA) | 1.9818% | 382 |
| Pretax return on assets | 2.1407% | 403 |
| Return on Equity (ROE) | 16.2146% | 531 |
| Retained earnings to average equity (ytd only) | 12.8749% | 373 |
| Net charge-offs to loans | 0.1253% | 1,097 |
| Credit loss provision to net charge-offs | 608.9431% | 1,095 |
| Earnings coverage of net charge-offs (x) | 50.9837% | 1,089 |
| Efficiency ratio | 53.5254% | 4,229 |
| Assets per employee ($millions) | 8.8111% | 721 |
| Cash dividends to net income (ytd only)* | 20.5967% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7870% | 678 |
| Loan loss allowance to noncurrent loans | 333.2050% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 3,971 |
| Noncurrent loans to loans | 0.5363% | 2,559 |
| Net loans and leases to total assets | 20.3725% | 4,955 |
| Net loans and leases to deposits | 24.3867% | 4,960 |
| Net loans and leases to core deposits | 29.0369% | 4,940 |
| Total domestic deposits to total assets | 83.5391% | 2,908 |
| Equity capital to assets | 12.5232% | 1,366 |
| Core capital (leverage) ratio | 10.4261% | 2,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $906,446,667 | 935 |
| Average earning assets | $856,250,000 | 913 |
| Average equity | $110,789,000 | 870 |
| Average total loans | $196,350,333 | 2,245 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4802% | 4,648 |
| Cost of funding earning assets | 1.4297% | 347 |
| Net interest margin | 2.0505% | 5,002 |
| Noninterest income to average assets | 1.5307% | 379 |
| Noninterest expense to average assets | 1.9008% | 4,543 |
| Loan and lease loss provision to assets | 0.0878% | 2,591 |
| Net operating income to assets | 1.4440% | 895 |
| Return on assets (ROA) | 2.6191% | 98 |
| Pretax return on assets | 2.6755% | 126 |
| Return on Equity (ROE) | 21.7081% | 120 |
| Retained earnings to average equity (ytd only) | 17.0657% | 111 |
| Net charge-offs to loans | 0.1842% | 735 |
| Credit loss provision to net charge-offs | 215.3846% | 1,376 |
| Earnings coverage of net charge-offs (x) | 38.3626% | 1,047 |
| Efficiency ratio | 51.5841% | 4,575 |
| Assets per employee ($millions) | 8.4597% | 632 |
| Cash dividends to net income (ytd only)* | 21.3858% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,275 |
| Loan loss allowance to noncurrent loans | 297.5709% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,083 |
| Noncurrent loans to loans | 0.5107% | 2,739 |
| Net loans and leases to total assets | 20.6609% | 5,006 |
| Net loans and leases to deposits | 24.5878% | 5,013 |
| Net loans and leases to core deposits | 29.8744% | 4,990 |
| Total domestic deposits to total assets | 84.0291% | 2,783 |
| Equity capital to assets | 12.0398% | 2,037 |
| Core capital (leverage) ratio | 10.5450% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $892,681,500 | 916 |
| Average earning assets | $842,125,000 | 901 |
| Average equity | $107,701,500 | 891 |
| Average total loans | $197,657,500 | 2,205 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6685% | 4,712 |
| Cost of funding earning assets | 1.5397% | 352 |
| Net interest margin | 2.1288% | 5,074 |
| Noninterest income to average assets | 1.3786% | 508 |
| Noninterest expense to average assets | 1.9729% | 4,582 |
| Loan and lease loss provision to assets | 0.0135% | 3,745 |
| Net operating income to assets | 1.3924% | 1,365 |
| Return on assets (ROA) | 1.5285% | 1,048 |
| Pretax return on assets | 1.5220% | 1,741 |
| Return on Equity (ROE) | 12.9241% | 1,186 |
| Retained earnings to average equity (ytd only) | 1.4196% | 4,233 |
| Net charge-offs to loans | 0.0173% | 3,094 |
| Credit loss provision to net charge-offs | 336.3636% | 825 |
| Earnings coverage of net charge-offs (x) | 349.0909% | 253 |
| Efficiency ratio | 55.0973% | 4,313 |
| Assets per employee ($millions) | 8.0678% | 694 |
| Cash dividends to net income (ytd only)* | 89.0161% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 1,508 |
| Loan loss allowance to noncurrent loans | 577.5967% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 4,343 |
| Noncurrent loans to loans | 0.2432% | 3,574 |
| Net loans and leases to total assets | 23.0550% | 5,045 |
| Net loans and leases to deposits | 26.6034% | 5,060 |
| Net loans and leases to core deposits | 32.0926% | 5,032 |
| Total domestic deposits to total assets | 86.6617% | 1,773 |
| Equity capital to assets | 12.0918% | 2,083 |
| Core capital (leverage) ratio | 10.4966% | 2,957 |
| Tier 1 risk-based capital ratio | 21.9822% | 1,026 |
| Total risk-based capital ratio | 22.7016% | 1,069 |
| Memoranda: | ||
| Average total assets | $823,167,600 | 952 |
| Average earning assets | $770,948,800 | 939 |
| Average equity | $97,353,000 | 920 |
| Average total loans | $190,707,400 | 2,225 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 4,785 |
| Cost of funding earning assets | 1.5508% | 348 |
| Net interest margin | 2.1464% | 5,159 |
| Noninterest income to average assets | 1.4559% | 430 |
| Noninterest expense to average assets | 1.9870% | 4,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4875% | 1,223 |
| Return on assets (ROA) | 1.6198% | 927 |
| Pretax return on assets | 1.6093% | 1,602 |
| Return on Equity (ROE) | 13.7785% | 1,032 |
| Retained earnings to average equity (ytd only) | 2.2023% | 4,206 |
| Net charge-offs to loans | -0.0014% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0377% | 4,390 |
| Assets per employee ($millions) | 7.5967% | 814 |
| Cash dividends to net income (ytd only)* | 84.0166% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,517 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,618 |
| Noncurrent loans to loans | 0.1061% | 4,168 |
| Net loans and leases to total assets | 23.0235% | 5,137 |
| Net loans and leases to deposits | 26.6797% | 5,144 |
| Net loans and leases to core deposits | 31.7765% | 5,122 |
| Total domestic deposits to total assets | 86.2961% | 1,869 |
| Equity capital to assets | 12.4993% | 1,914 |
| Core capital (leverage) ratio | 10.7673% | 2,872 |
| Tier 1 risk-based capital ratio | 22.5213% | 1,006 |
| Total risk-based capital ratio | 23.2373% | 1,045 |
| Memoranda: | ||
| Average total assets | $813,146,000 | 963 |
| Average earning assets | $760,776,000 | 950 |
| Average equity | $95,595,500 | 934 |
| Average total loans | $187,919,500 | 2,275 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,803 |
| Cost of funding earning assets | 1.5416% | 326 |
| Net interest margin | 2.1835% | 5,213 |
| Noninterest income to average assets | 1.5280% | 389 |
| Noninterest expense to average assets | 2.0046% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5769% | 957 |
| Return on assets (ROA) | 1.6446% | 855 |
| Pretax return on assets | 1.6295% | 1,457 |
| Return on Equity (ROE) | 14.3020% | 918 |
| Retained earnings to average equity (ytd only) | 3.0763% | 3,681 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0141% | 4,562 |
| Assets per employee ($millions) | 7.5071% | 806 |
| Cash dividends to net income (ytd only)* | 78.4906% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,331 |
| Loan loss allowance to noncurrent loans | 137,900.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0002% | 4,833 |
| Noncurrent loans to loans | 0.0011% | 4,739 |
| Net loans and leases to total assets | 22.4024% | 5,190 |
| Net loans and leases to deposits | 25.9064% | 5,202 |
| Net loans and leases to core deposits | 30.4948% | 5,177 |
| Total domestic deposits to total assets | 86.4744% | 1,830 |
| Equity capital to assets | 12.3699% | 1,927 |
| Core capital (leverage) ratio | 10.8354% | 2,758 |
| Tier 1 risk-based capital ratio | 22.6105% | 984 |
| Total risk-based capital ratio | 23.3321% | 1,020 |
| Memoranda: | ||
| Average total assets | $805,650,670 | 971 |
| Average earning assets | $752,094,670 | 959 |
| Average equity | $92,644,670 | 952 |
| Average total loans | $185,508,670 | 2,298 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7368% | 4,801 |
| Cost of funding earning assets | 1.5148% | 311 |
| Net interest margin | 2.2220% | 5,271 |
| Noninterest income to average assets | 1.7715% | 291 |
| Noninterest expense to average assets | 2.0212% | 4,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8145% | 562 |
| Return on assets (ROA) | 1.8195% | 571 |
| Pretax return on assets | 1.8290% | 920 |
| Return on Equity (ROE) | 16.4604% | 535 |
| Retained earnings to average equity (ytd only) | 5.1427% | 2,846 |
| Net charge-offs to loans | 0.0022% | 2,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3,645.0000% | 5 |
| Efficiency ratio | 49.7657% | 4,849 |
| Assets per employee ($millions) | 6.9764% | 1,010 |
| Cash dividends to net income (ytd only)* | 68.7569% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,407 |
| Loan loss allowance to noncurrent loans | 68,925.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 4,903 |
| Noncurrent loans to loans | 0.0021% | 4,805 |
| Net loans and leases to total assets | 22.5523% | 5,247 |
| Net loans and leases to deposits | 25.7149% | 5,253 |
| Net loans and leases to core deposits | 30.1582% | 5,236 |
| Total domestic deposits to total assets | 87.7013% | 1,479 |
| Equity capital to assets | 11.4258% | 2,469 |
| Core capital (leverage) ratio | 10.8174% | 2,750 |
| Tier 1 risk-based capital ratio | 22.3937% | 1,000 |
| Total risk-based capital ratio | 23.1128% | 1,042 |
| Memoranda: | ||
| Average total assets | $799,341,500 | 974 |
| Average earning assets | $745,993,500 | 965 |
| Average equity | $88,357,500 | 982 |
| Average total loans | $185,228,000 | 2,318 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6633% | 4,722 |
| Cost of funding earning assets | 1.1930% | 354 |
| Net interest margin | 2.4703% | 5,229 |
| Noninterest income to average assets | 1.3027% | 548 |
| Noninterest expense to average assets | 1.8947% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6101% | 848 |
| Return on assets (ROA) | 1.6288% | 812 |
| Pretax return on assets | 1.7341% | 1,084 |
| Return on Equity (ROE) | 14.5471% | 929 |
| Retained earnings to average equity (ytd only) | 0.0879% | 4,963 |
| Net charge-offs to loans | 0.0493% | 2,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 159.4578% | 539 |
| Efficiency ratio | 49.6160% | 4,964 |
| Assets per employee ($millions) | 8.0664% | 647 |
| Cash dividends to net income (ytd only)* | 99.3957% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5020% | 1,281 |
| Loan loss allowance to noncurrent loans | 6,268.1818% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,892 |
| Noncurrent loans to loans | 0.0240% | 4,674 |
| Net loans and leases to total assets | 23.1148% | 5,289 |
| Net loans and leases to deposits | 26.5348% | 5,292 |
| Net loans and leases to core deposits | 30.7823% | 5,269 |
| Total domestic deposits to total assets | 87.1113% | 1,730 |
| Equity capital to assets | 10.6658% | 3,019 |
| Core capital (leverage) ratio | 11.1054% | 2,434 |
| Tier 1 risk-based capital ratio | 23.1802% | 899 |
| Total risk-based capital ratio | 23.9222% | 921 |
| Memoranda: | ||
| Average total assets | $772,085,000 | 977 |
| Average earning assets | $720,802,600 | 965 |
| Average equity | $86,450,000 | 967 |
| Average total loans | $168,452,400 | 2,449 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,746 |
| Cost of funding earning assets | 1.1301% | 351 |
| Net interest margin | 2.5044% | 5,282 |
| Noninterest income to average assets | 1.3557% | 515 |
| Noninterest expense to average assets | 1.9011% | 4,901 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6379% | 871 |
| Return on assets (ROA) | 1.6610% | 821 |
| Pretax return on assets | 1.8205% | 963 |
| Return on Equity (ROE) | 14.6572% | 948 |
| Retained earnings to average equity (ytd only) | 2.5779% | 4,376 |
| Net charge-offs to loans | 0.0632% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 132.8300% | 612 |
| Efficiency ratio | 48.6054% | 5,024 |
| Assets per employee ($millions) | 7.9756% | 657 |
| Cash dividends to net income (ytd only)* | 82.4119% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,088 |
| Loan loss allowance to noncurrent loans | 25,118.1818% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 5,038 |
| Noncurrent loans to loans | 0.0064% | 4,906 |
| Net loans and leases to total assets | 22.2178% | 5,367 |
| Net loans and leases to deposits | 25.4482% | 5,376 |
| Net loans and leases to core deposits | 29.2220% | 5,355 |
| Total domestic deposits to total assets | 87.3060% | 1,594 |
| Equity capital to assets | 10.4270% | 3,209 |
| Core capital (leverage) ratio | 11.3516% | 2,287 |
| Tier 1 risk-based capital ratio | 25.0116% | 755 |
| Total risk-based capital ratio | 25.8008% | 774 |
| Memoranda: | ||
| Average total assets | $769,496,500 | 977 |
| Average earning assets | $719,192,250 | 967 |
| Average equity | $87,199,250 | 959 |
| Average total loans | $164,661,250 | 2,500 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 4,768 |
| Cost of funding earning assets | 1.0725% | 331 |
| Net interest margin | 2.5268% | 5,325 |
| Noninterest income to average assets | 1.4212% | 469 |
| Noninterest expense to average assets | 1.9082% | 4,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7211% | 695 |
| Return on assets (ROA) | 1.7541% | 648 |
| Pretax return on assets | 1.9098% | 754 |
| Return on Equity (ROE) | 15.0802% | 828 |
| Retained earnings to average equity (ytd only) | 4.3724% | 3,412 |
| Net charge-offs to loans | 0.0284% | 2,286 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 314.0000% | 294 |
| Efficiency ratio | 47.7017% | 5,130 |
| Assets per employee ($millions) | 7.9910% | 629 |
| Cash dividends to net income (ytd only)* | 71.0059% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 911 |
| Loan loss allowance to noncurrent loans | 8,288.2353% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,033 |
| Noncurrent loans to loans | 0.0204% | 4,844 |
| Net loans and leases to total assets | 21.0871% | 5,436 |
| Net loans and leases to deposits | 23.9478% | 5,445 |
| Net loans and leases to core deposits | 27.1202% | 5,427 |
| Total domestic deposits to total assets | 88.0543% | 1,346 |
| Equity capital to assets | 11.1424% | 2,513 |
| Core capital (leverage) ratio | 11.4585% | 2,103 |
| Tier 1 risk-based capital ratio | 25.2559% | 712 |
| Total risk-based capital ratio | 26.0683% | 730 |
| Memoranda: | ||
| Average total assets | $770,775,330 | 980 |
| Average earning assets | $720,187,330 | 969 |
| Average equity | $89,654,000 | 931 |
| Average total loans | $161,923,000 | 2,531 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 4,762 |
| Cost of funding earning assets | 1.0226% | 332 |
| Net interest margin | 2.5481% | 5,357 |
| Noninterest income to average assets | 1.5602% | 398 |
| Noninterest expense to average assets | 1.9058% | 5,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.8864% | 466 |
| Return on assets (ROA) | 1.9532% | 414 |
| Pretax return on assets | 2.1098% | 453 |
| Return on Equity (ROE) | 16.4429% | 559 |
| Retained earnings to average equity (ytd only) | 8.5566% | 1,636 |
| Net charge-offs to loans | 0.0300% | 1,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 326.3333% | 203 |
| Efficiency ratio | 45.6849% | 5,290 |
| Assets per employee ($millions) | 8.0686% | 612 |
| Cash dividends to net income (ytd only)* | 47.9616% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7705% | 826 |
| Loan loss allowance to noncurrent loans | 20,207.1429% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 5,139 |
| Noncurrent loans to loans | 0.0088% | 4,972 |
| Net loans and leases to total assets | 20.4763% | 5,498 |
| Net loans and leases to deposits | 23.3183% | 5,505 |
| Net loans and leases to core deposits | 26.1956% | 5,496 |
| Total domestic deposits to total assets | 87.8123% | 1,723 |
| Equity capital to assets | 11.4742% | 2,155 |
| Core capital (leverage) ratio | 11.4494% | 2,052 |
| Tier 1 risk-based capital ratio | 26.2587% | 664 |
| Total risk-based capital ratio | 27.1089% | 678 |
| Memoranda: | ||
| Average total assets | $768,601,500 | 987 |
| Average earning assets | $718,977,000 | 980 |
| Average equity | $91,297,500 | 922 |
| Average total loans | $159,750,000 | 2,570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,659 |
| Cost of funding earning assets | 0.9485% | 292 |
| Net interest margin | 2.6130% | 5,342 |
| Noninterest income to average assets | 1.2035% | 720 |
| Noninterest expense to average assets | 1.9474% | 5,053 |
| Loan and lease loss provision to assets | 0.0670% | 2,866 |
| Net operating income to assets | 2.3588% | 146 |
| Return on assets (ROA) | 2.4389% | 132 |
| Pretax return on assets | 1.7395% | 918 |
| Return on Equity (ROE) | 21.4813% | 145 |
| Retained earnings to average equity (ytd only) | 17.4157% | 58 |
| Net charge-offs to loans | 0.0463% | 2,861 |
| Credit loss provision to net charge-offs | 694.4444% | 474 |
| Earnings coverage of net charge-offs (x) | 178.9444% | 432 |
| Efficiency ratio | 50.3501% | 5,201 |
| Assets per employee ($millions) | 8.2869% | 578 |
| Cash dividends to net income (ytd only)* | 18.9265% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 810 |
| Loan loss allowance to noncurrent loans | 16,711.7647% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0022% | 5,185 |
| Noncurrent loans to loans | 0.0106% | 4,992 |
| Net loans and leases to total assets | 20.3553% | 5,569 |
| Net loans and leases to deposits | 23.4309% | 5,575 |
| Net loans and leases to core deposits | 25.8799% | 5,564 |
| Total domestic deposits to total assets | 86.8736% | 2,055 |
| Equity capital to assets | 12.2804% | 1,652 |
| Core capital (leverage) ratio | 11.5744% | 1,890 |
| Tier 1 risk-based capital ratio | 25.7639% | 677 |
| Total risk-based capital ratio | 26.6114% | 689 |
| Memoranda: | ||
| Average total assets | $746,325,200 | 989 |
| Average earning assets | $705,536,400 | 973 |
| Average equity | $84,734,000 | 961 |
| Average total loans | $155,672,200 | 2,593 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5590% | 4,660 |
| Cost of funding earning assets | 0.9387% | 277 |
| Net interest margin | 2.6203% | 5,390 |
| Noninterest income to average assets | 1.2171% | 708 |
| Noninterest expense to average assets | 1.9013% | 5,130 |
| Loan and lease loss provision to assets | 0.0405% | 3,300 |
| Net operating income to assets | 1.4792% | 937 |
| Return on assets (ROA) | 1.5344% | 858 |
| Pretax return on assets | 1.8268% | 831 |
| Return on Equity (ROE) | 13.8084% | 872 |
| Retained earnings to average equity (ytd only) | 10.4937% | 492 |
| Net charge-offs to loans | 0.0276% | 2,888 |
| Credit loss provision to net charge-offs | 703.1250% | 480 |
| Earnings coverage of net charge-offs (x) | 312.5303% | 295 |
| Efficiency ratio | 48.8131% | 5,305 |
| Assets per employee ($millions) | 7.8236% | 674 |
| Cash dividends to net income (ytd only)* | 24.0052% | 2,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6491% | 1,139 |
| Loan loss allowance to noncurrent loans | 13,030.0000% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,258 |
| Noncurrent loans to loans | 0.0127% | 5,092 |
| Net loans and leases to total assets | 20.6926% | 5,634 |
| Net loans and leases to deposits | 23.9661% | 5,634 |
| Net loans and leases to core deposits | 26.5346% | 5,628 |
| Total domestic deposits to total assets | 86.3411% | 2,152 |
| Equity capital to assets | 11.9305% | 2,012 |
| Core capital (leverage) ratio | 10.6347% | 2,842 |
| Tier 1 risk-based capital ratio | 23.3746% | 911 |
| Total risk-based capital ratio | 24.1475% | 943 |
| Memoranda: | ||
| Average total assets | $740,235,500 | 997 |
| Average earning assets | $702,242,750 | 979 |
| Average equity | $82,256,750 | 993 |
| Average total loans | $154,661,250 | 2,620 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5329% | 4,676 |
| Cost of funding earning assets | 0.9293% | 256 |
| Net interest margin | 2.6036% | 5,434 |
| Noninterest income to average assets | 1.2405% | 679 |
| Noninterest expense to average assets | 1.8740% | 5,222 |
| Loan and lease loss provision to assets | 0.0407% | 3,190 |
| Net operating income to assets | 1.5118% | 842 |
| Return on assets (ROA) | 1.5435% | 818 |
| Pretax return on assets | 1.8381% | 769 |
| Return on Equity (ROE) | 14.2469% | 781 |
| Retained earnings to average equity (ytd only) | 9.1220% | 804 |
| Net charge-offs to loans | 0.0417% | 2,361 |
| Credit loss provision to net charge-offs | 468.7500% | 694 |
| Earnings coverage of net charge-offs (x) | 211.9063% | 394 |
| Efficiency ratio | 48.1766% | 5,388 |
| Assets per employee ($millions) | 8.1906% | 570 |
| Cash dividends to net income (ytd only)* | 35.9719% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6122% | 1,233 |
| Loan loss allowance to noncurrent loans | 2,664.2105% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,242 |
| Noncurrent loans to loans | 0.0605% | 4,885 |
| Net loans and leases to total assets | 20.2777% | 5,681 |
| Net loans and leases to deposits | 23.0727% | 5,690 |
| Net loans and leases to core deposits | 25.8975% | 5,680 |
| Total domestic deposits to total assets | 87.8859% | 1,515 |
| Equity capital to assets | 11.3743% | 2,438 |
| Core capital (leverage) ratio | 10.3007% | 3,143 |
| Tier 1 risk-based capital ratio | 24.3446% | 821 |
| Total risk-based capital ratio | 25.1572% | 841 |
| Memoranda: | ||
| Average total assets | $736,625,330 | 1,007 |
| Average earning assets | $700,111,000 | 986 |
| Average equity | $79,807,000 | 1,017 |
| Average total loans | $153,541,330 | 2,643 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5407% | 4,572 |
| Cost of funding earning assets | 0.9279% | 244 |
| Net interest margin | 2.6128% | 5,462 |
| Noninterest income to average assets | 1.3054% | 601 |
| Noninterest expense to average assets | 1.7854% | 5,398 |
| Loan and lease loss provision to assets | 0.0414% | 2,975 |
| Net operating income to assets | 1.6399% | 624 |
| Return on assets (ROA) | 1.6446% | 632 |
| Pretax return on assets | 1.9650% | 542 |
| Return on Equity (ROE) | 15.5884% | 579 |
| Retained earnings to average equity (ytd only) | 15.5884% | 213 |
| Net charge-offs to loans | 0.0211% | 2,359 |
| Credit loss provision to net charge-offs | 937.5000% | 346 |
| Earnings coverage of net charge-offs (x) | 452.7500% | 125 |
| Efficiency ratio | 45.6959% | 5,543 |
| Assets per employee ($millions) | 7.8469% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,331 |
| Loan loss allowance to noncurrent loans | 5,767.4419% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,347 |
| Noncurrent loans to loans | 0.0281% | 5,102 |
| Net loans and leases to total assets | 20.6223% | 5,746 |
| Net loans and leases to deposits | 23.3166% | 5,751 |
| Net loans and leases to core deposits | 26.0491% | 5,732 |
| Total domestic deposits to total assets | 88.4447% | 1,461 |
| Equity capital to assets | 10.7781% | 2,880 |
| Core capital (leverage) ratio | 10.4392% | 2,972 |
| Tier 1 risk-based capital ratio | 24.8499% | 785 |
| Total risk-based capital ratio | 25.6714% | 804 |
| Memoranda: | ||
| Average total assets | $724,075,500 | 1,025 |
| Average earning assets | $687,538,000 | 999 |
| Average equity | $76,390,000 | 1,057 |
| Average total loans | $151,816,500 | 2,676 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 4,772 |
| Cost of funding earning assets | 0.9559% | 220 |
| Net interest margin | 2.5468% | 5,559 |
| Noninterest income to average assets | 0.9534% | 1,255 |
| Noninterest expense to average assets | 1.6319% | 5,626 |
| Loan and lease loss provision to assets | 0.0422% | 3,539 |
| Net operating income to assets | 1.4394% | 935 |
| Return on assets (ROA) | 1.6029% | 700 |
| Pretax return on assets | 1.9092% | 610 |
| Return on Equity (ROE) | 13.7803% | 811 |
| Retained earnings to average equity (ytd only) | 10.2723% | 376 |
| Net charge-offs to loans | 0.0185% | 3,694 |
| Credit loss provision to net charge-offs | 1,153.8462% | 341 |
| Earnings coverage of net charge-offs (x) | 480.2308% | 172 |
| Efficiency ratio | 47.1765% | 5,604 |
| Assets per employee ($millions) | 9.2102% | 400 |
| Cash dividends to net income (ytd only)* | 25.4565% | 3,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,371 |
| Loan loss allowance to noncurrent loans | 7,312.1212% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,217 |
| Noncurrent loans to loans | 0.0219% | 5,183 |
| Net loans and leases to total assets | 20.6359% | 5,793 |
| Net loans and leases to deposits | 23.1863% | 5,808 |
| Net loans and leases to core deposits | 25.8778% | 5,795 |
| Total domestic deposits to total assets | 89.0006% | 1,121 |
| Equity capital to assets | 10.3183% | 3,367 |
| Core capital (leverage) ratio | 10.6967% | 2,661 |
| Tier 1 risk-based capital ratio | 25.5172% | 723 |
| Total risk-based capital ratio | 26.3315% | 749 |
| Memoranda: | ||
| Average total assets | $710,715,600 | 1,008 |
| Average earning assets | $679,585,000 | 978 |
| Average equity | $82,669,000 | 964 |
| Average total loans | $140,904,600 | 2,770 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,774 |
| Cost of funding earning assets | 0.9566% | 218 |
| Net interest margin | 2.5556% | 5,621 |
| Noninterest income to average assets | 1.0109% | 1,128 |
| Noninterest expense to average assets | 1.6397% | 5,658 |
| Loan and lease loss provision to assets | 0.0423% | 3,388 |
| Net operating income to assets | 1.4884% | 900 |
| Return on assets (ROA) | 1.6745% | 667 |
| Pretax return on assets | 1.9986% | 571 |
| Return on Equity (ROE) | 13.9957% | 828 |
| Retained earnings to average equity (ytd only) | 12.0305% | 300 |
| Net charge-offs to loans | -0.0067% | 4,679 |
| Credit loss provision to net charge-offs | -3,214.2857% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8106% | 5,636 |
| Assets per employee ($millions) | 8.8171% | 439 |
| Cash dividends to net income (ytd only)* | 14.0418% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 1,375 |
| Loan loss allowance to noncurrent loans | 5,044.6809% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0383% | 5,328 |
| Noncurrent loans to loans | 0.0324% | 5,250 |
| Net loans and leases to total assets | 19.7613% | 5,873 |
| Net loans and leases to deposits | 22.9019% | 5,881 |
| Net loans and leases to core deposits | 25.5569% | 5,866 |
| Total domestic deposits to total assets | 86.2867% | 2,224 |
| Equity capital to assets | 12.6313% | 1,684 |
| Core capital (leverage) ratio | 10.7538% | 2,725 |
| Tier 1 risk-based capital ratio | 26.3317% | 690 |
| Total risk-based capital ratio | 27.1669% | 704 |
| Memoranda: | ||
| Average total assets | $708,796,500 | 1,014 |
| Average earning assets | $679,027,250 | 982 |
| Average equity | $84,804,750 | 946 |
| Average total loans | $138,465,750 | 2,806 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5623% | 4,700 |
| Cost of funding earning assets | 0.9610% | 209 |
| Net interest margin | 2.6014% | 5,663 |
| Noninterest income to average assets | 1.0857% | 951 |
| Noninterest expense to average assets | 1.6737% | 5,709 |
| Loan and lease loss provision to assets | 0.0426% | 3,297 |
| Net operating income to assets | 1.5723% | 770 |
| Return on assets (ROA) | 1.7544% | 552 |
| Pretax return on assets | 2.0751% | 492 |
| Return on Equity (ROE) | 14.9483% | 676 |
| Retained earnings to average equity (ytd only) | 11.9228% | 338 |
| Net charge-offs to loans | -0.0059% | 4,572 |
| Credit loss provision to net charge-offs | -3,750.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2082% | 5,745 |
| Assets per employee ($millions) | 8.5408% | 469 |
| Cash dividends to net income (ytd only)* | 20.2396% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,588 |
| Loan loss allowance to noncurrent loans | 1,102.4038% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0611% | 5,312 |
| Noncurrent loans to loans | 0.1433% | 4,862 |
| Net loans and leases to total assets | 19.9142% | 5,939 |
| Net loans and leases to deposits | 23.0971% | 5,952 |
| Net loans and leases to core deposits | 25.8531% | 5,938 |
| Total domestic deposits to total assets | 86.2198% | 2,317 |
| Equity capital to assets | 12.6098% | 1,708 |
| Core capital (leverage) ratio | 10.4060% | 3,073 |
| Tier 1 risk-based capital ratio | 25.5176% | 768 |
| Total risk-based capital ratio | 26.3305% | 791 |
| Memoranda: | ||
| Average total assets | $704,060,330 | 1,023 |
| Average earning assets | $674,331,000 | 994 |
| Average equity | $82,631,330 | 966 |
| Average total loans | $136,205,670 | 2,842 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5851% | 4,665 |
| Cost of funding earning assets | 0.9616% | 210 |
| Net interest margin | 2.6235% | 5,702 |
| Noninterest income to average assets | 1.2642% | 685 |
| Noninterest expense to average assets | 1.7316% | 5,722 |
| Loan and lease loss provision to assets | 0.0430% | 3,061 |
| Net operating income to assets | 1.6710% | 612 |
| Return on assets (ROA) | 1.8406% | 472 |
| Pretax return on assets | 2.2014% | 376 |
| Return on Equity (ROE) | 16.3071% | 504 |
| Retained earnings to average equity (ytd only) | 16.3071% | 180 |
| Net charge-offs to loans | -0.0243% | 4,966 |
| Credit loss provision to net charge-offs | -937.5000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3343% | 5,837 |
| Assets per employee ($millions) | 8.4664% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 1,647 |
| Loan loss allowance to noncurrent loans | 1,791.9355% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 5,422 |
| Noncurrent loans to loans | 0.0885% | 5,118 |
| Net loans and leases to total assets | 19.6168% | 5,999 |
| Net loans and leases to deposits | 22.4180% | 6,007 |
| Net loans and leases to core deposits | 25.1068% | 5,992 |
| Total domestic deposits to total assets | 87.5049% | 1,923 |
| Equity capital to assets | 11.5622% | 2,383 |
| Core capital (leverage) ratio | 10.2623% | 3,250 |
| Tier 1 risk-based capital ratio | 25.5818% | 765 |
| Total risk-based capital ratio | 26.3909% | 783 |
| Memoranda: | ||
| Average total assets | $697,377,500 | 1,029 |
| Average earning assets | $667,207,000 | 998 |
| Average equity | $78,714,000 | 1,010 |
| Average total loans | $131,727,000 | 2,907 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7135% | 4,330 |
| Cost of funding earning assets | 0.9365% | 243 |
| Net interest margin | 2.7770% | 5,557 |
| Noninterest income to average assets | 1.0213% | 1,133 |
| Noninterest expense to average assets | 1.6793% | 5,863 |
| Loan and lease loss provision to assets | 0.0054% | 4,280 |
| Net operating income to assets | 1.4360% | 969 |
| Return on assets (ROA) | 1.5603% | 787 |
| Pretax return on assets | 2.1513% | 384 |
| Return on Equity (ROE) | 14.6280% | 743 |
| Retained earnings to average equity (ytd only) | 11.0374% | 343 |
| Net charge-offs to loans | 0.0134% | 4,027 |
| Credit loss provision to net charge-offs | 218.7500% | 1,295 |
| Earnings coverage of net charge-offs (x) | 810.4375% | 78 |
| Efficiency ratio | 45.4177% | 5,945 |
| Assets per employee ($millions) | 8.2386% | 508 |
| Cash dividends to net income (ytd only)* | 24.5459% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 1,281 |
| Loan loss allowance to noncurrent loans | 1,632.8244% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 5,465 |
| Noncurrent loans to loans | 0.1062% | 5,078 |
| Net loans and leases to total assets | 17.5196% | 6,086 |
| Net loans and leases to deposits | 19.8612% | 6,096 |
| Net loans and leases to core deposits | 22.2625% | 6,076 |
| Total domestic deposits to total assets | 88.2103% | 1,529 |
| Equity capital to assets | 11.0079% | 2,818 |
| Core capital (leverage) ratio | 9.9842% | 3,534 |
| Tier 1 risk-based capital ratio | 24.4181% | 870 |
| Total risk-based capital ratio | 25.1953% | 919 |
| Memoranda: | ||
| Average total assets | $652,769,400 | 1,049 |
| Average earning assets | $621,599,800 | 1,013 |
| Average equity | $69,626,800 | 1,093 |
| Average total loans | $119,647,400 | 3,053 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,260 |
| Cost of funding earning assets | 0.9272% | 250 |
| Net interest margin | 2.8228% | 5,543 |
| Noninterest income to average assets | 1.0804% | 1,032 |
| Noninterest expense to average assets | 1.6810% | 5,917 |
| Loan and lease loss provision to assets | 0.0033% | 4,190 |
| Net operating income to assets | 1.6121% | 751 |
| Return on assets (ROA) | 1.7739% | 568 |
| Pretax return on assets | 2.2956% | 335 |
| Return on Equity (ROE) | 16.7749% | 495 |
| Retained earnings to average equity (ytd only) | 14.0294% | 209 |
| Net charge-offs to loans | -0.0090% | 4,954 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2489% | 6,031 |
| Assets per employee ($millions) | 8.4093% | 456 |
| Cash dividends to net income (ytd only)* | 16.3666% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8214% | 1,226 |
| Loan loss allowance to noncurrent loans | 1,771.9008% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 5,564 |
| Noncurrent loans to loans | 0.1028% | 5,225 |
| Net loans and leases to total assets | 17.3958% | 6,169 |
| Net loans and leases to deposits | 19.6208% | 6,186 |
| Net loans and leases to core deposits | 21.9758% | 6,170 |
| Total domestic deposits to total assets | 88.6600% | 1,195 |
| Equity capital to assets | 10.6495% | 3,412 |
| Core capital (leverage) ratio | 10.2304% | 3,331 |
| Tier 1 risk-based capital ratio | 24.8693% | 870 |
| Total risk-based capital ratio | 25.6803% | 893 |
| Memoranda: | ||
| Average total assets | $642,951,250 | 1,074 |
| Average earning assets | $612,567,250 | 1,036 |
| Average equity | $67,988,750 | 1,129 |
| Average total loans | $118,713,750 | 3,096 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 4,528 |
| Cost of funding earning assets | 0.9272% | 251 |
| Net interest margin | 2.7369% | 5,727 |
| Noninterest income to average assets | 1.1594% | 892 |
| Noninterest expense to average assets | 1.7058% | 5,963 |
| Loan and lease loss provision to assets | 0.0038% | 4,010 |
| Net operating income to assets | 1.5894% | 761 |
| Return on assets (ROA) | 1.7914% | 551 |
| Pretax return on assets | 2.3157% | 329 |
| Return on Equity (ROE) | 16.9826% | 493 |
| Retained earnings to average equity (ytd only) | 12.8078% | 322 |
| Net charge-offs to loans | -0.0118% | 4,977 |
| Credit loss provision to net charge-offs | -171.4286% | 5,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0723% | 6,078 |
| Assets per employee ($millions) | 8.2529% | 472 |
| Cash dividends to net income (ytd only)* | 24.5830% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8069% | 1,356 |
| Loan loss allowance to noncurrent loans | 182.5085% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 4,976 |
| Noncurrent loans to loans | 0.9900% | 2,663 |
| Net loans and leases to total assets | 18.5329% | 6,224 |
| Net loans and leases to deposits | 20.8815% | 6,240 |
| Net loans and leases to core deposits | 22.9708% | 6,227 |
| Total domestic deposits to total assets | 88.7524% | 1,265 |
| Equity capital to assets | 10.0931% | 3,928 |
| Core capital (leverage) ratio | 10.0076% | 3,590 |
| Tier 1 risk-based capital ratio | 24.1973% | 937 |
| Total risk-based capital ratio | 25.0194% | 964 |
| Memoranda: | ||
| Average total assets | $635,822,330 | 1,087 |
| Average earning assets | $604,854,330 | 1,052 |
| Average equity | $67,068,670 | 1,146 |
| Average total loans | $119,048,000 | 3,099 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 4,549 |
| Cost of funding earning assets | 0.9246% | 251 |
| Net interest margin | 2.7205% | 5,773 |
| Noninterest income to average assets | 1.2666% | 714 |
| Noninterest expense to average assets | 1.6891% | 6,024 |
| Loan and lease loss provision to assets | 0.0037% | 3,660 |
| Net operating income to assets | 1.6754% | 624 |
| Return on assets (ROA) | 1.9184% | 416 |
| Pretax return on assets | 2.4764% | 253 |
| Return on Equity (ROE) | 17.8100% | 402 |
| Retained earnings to average equity (ytd only) | 17.8100% | 150 |
| Net charge-offs to loans | -0.0268% | 5,184 |
| Credit loss provision to net charge-offs | -75.0000% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5868% | 6,193 |
| Assets per employee ($millions) | 8.4402% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 1,484 |
| Loan loss allowance to noncurrent loans | 182.3932% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 5,074 |
| Noncurrent loans to loans | 0.9912% | 2,786 |
| Net loans and leases to total assets | 18.0698% | 6,289 |
| Net loans and leases to deposits | 20.4881% | 6,303 |
| Net loans and leases to core deposits | 22.6036% | 6,288 |
| Total domestic deposits to total assets | 88.1965% | 1,712 |
| Equity capital to assets | 11.0209% | 2,944 |
| Core capital (leverage) ratio | 9.7649% | 3,934 |
| Tier 1 risk-based capital ratio | 24.2114% | 973 |
| Total risk-based capital ratio | 25.0518% | 1,001 |
| Memoranda: | ||
| Average total assets | $640,123,000 | 1,086 |
| Average earning assets | $608,722,500 | 1,049 |
| Average equity | $68,950,000 | 1,116 |
| Average total loans | $119,381,500 | 3,104 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 4,290 |
| Cost of funding earning assets | 1.0068% | 223 |
| Net interest margin | 2.8511% | 5,728 |
| Noninterest income to average assets | 1.0479% | 1,113 |
| Noninterest expense to average assets | 1.7917% | 6,075 |
| Loan and lease loss provision to assets | 0.0008% | 4,592 |
| Net operating income to assets | 1.5135% | 855 |
| Return on assets (ROA) | 1.5531% | 820 |
| Pretax return on assets | 2.0268% | 492 |
| Return on Equity (ROE) | 17.2466% | 468 |
| Retained earnings to average equity (ytd only) | 13.9028% | 182 |
| Net charge-offs to loans | 0.0132% | 4,627 |
| Credit loss provision to net charge-offs | 31.2500% | 3,820 |
| Earnings coverage of net charge-offs (x) | 738.2500% | 62 |
| Efficiency ratio | 47.3271% | 6,213 |
| Assets per employee ($millions) | 8.0860% | 523 |
| Cash dividends to net income (ytd only)* | 19.3882% | 3,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7561% | 1,640 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,226 |
| Noncurrent loans to loans | 1.0537% | 2,717 |
| Net loans and leases to total assets | 18.5662% | 6,385 |
| Net loans and leases to deposits | 20.9105% | 6,396 |
| Net loans and leases to core deposits | 23.0674% | 6,381 |
| Total domestic deposits to total assets | 88.7892% | 1,363 |
| Equity capital to assets | 10.5208% | 3,449 |
| Core capital (leverage) ratio | 9.6486% | 4,036 |
| Tier 1 risk-based capital ratio | 24.3568% | 911 |
| Total risk-based capital ratio | 25.2223% | 938 |
| Memoranda: | ||
| Average total assets | $597,753,400 | 1,111 |
| Average earning assets | $570,244,000 | 1,066 |
| Average equity | $53,830,800 | 1,357 |
| Average total loans | $121,490,600 | 3,010 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 4,075 |
| Cost of funding earning assets | 1.0246% | 223 |
| Net interest margin | 2.9006% | 5,700 |
| Noninterest income to average assets | 1.0957% | 1,011 |
| Noninterest expense to average assets | 1.8029% | 6,083 |
| Loan and lease loss provision to assets | -0.0002% | 6,054 |
| Net operating income to assets | 1.6031% | 749 |
| Return on assets (ROA) | 1.6336% | 723 |
| Pretax return on assets | 2.0954% | 464 |
| Return on Equity (ROE) | 19.0090% | 344 |
| Retained earnings to average equity (ytd only) | 17.1604% | 136 |
| Net charge-offs to loans | 0.0186% | 4,159 |
| Credit loss provision to net charge-offs | -5.8824% | 5,227 |
| Earnings coverage of net charge-offs (x) | 532.8496% | 145 |
| Efficiency ratio | 46.5126% | 6,269 |
| Assets per employee ($millions) | 7.8944% | 549 |
| Cash dividends to net income (ytd only)* | 9.7249% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 1,819 |
| Loan loss allowance to noncurrent loans | 175.7903% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 5,269 |
| Noncurrent loans to loans | 0.9959% | 3,081 |
| Net loans and leases to total assets | 19.5081% | 6,457 |
| Net loans and leases to deposits | 21.8425% | 6,474 |
| Net loans and leases to core deposits | 24.1136% | 6,453 |
| Total domestic deposits to total assets | 89.3124% | 1,069 |
| Equity capital to assets | 9.9123% | 4,283 |
| Core capital (leverage) ratio | 9.7246% | 4,039 |
| Tier 1 risk-based capital ratio | 24.2745% | 956 |
| Total risk-based capital ratio | 25.1504% | 979 |
| Memoranda: | ||
| Average total assets | $587,493,250 | 1,133 |
| Average earning assets | $559,679,250 | 1,093 |
| Average equity | $50,487,000 | 1,441 |
| Average total loans | $121,683,250 | 3,027 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9790% | 3,823 |
| Cost of funding earning assets | 1.0371% | 212 |
| Net interest margin | 2.9419% | 5,654 |
| Noninterest income to average assets | 1.1169% | 953 |
| Noninterest expense to average assets | 1.7885% | 6,165 |
| Loan and lease loss provision to assets | 0.0041% | 4,139 |
| Net operating income to assets | 1.6459% | 644 |
| Return on assets (ROA) | 1.6666% | 654 |
| Pretax return on assets | 2.1488% | 405 |
| Return on Equity (ROE) | 20.4906% | 268 |
| Retained earnings to average equity (ytd only) | 17.5265% | 132 |
| Net charge-offs to loans | -0.0525% | 5,898 |
| Credit loss provision to net charge-offs | -37.5000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5089% | 6,378 |
| Assets per employee ($millions) | 7.6832% | 571 |
| Cash dividends to net income (ytd only)* | 14.4658% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 1,853 |
| Loan loss allowance to noncurrent loans | 194.0232% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 5,428 |
| Noncurrent loans to loans | 0.9254% | 3,406 |
| Net loans and leases to total assets | 19.8512% | 6,509 |
| Net loans and leases to deposits | 22.1122% | 6,533 |
| Net loans and leases to core deposits | 24.3850% | 6,516 |
| Total domestic deposits to total assets | 89.7751% | 918 |
| Equity capital to assets | 9.4710% | 4,776 |
| Core capital (leverage) ratio | 9.3985% | 4,470 |
| Tier 1 risk-based capital ratio | 22.7687% | 1,148 |
| Total risk-based capital ratio | 23.6507% | 1,182 |
| Memoranda: | ||
| Average total assets | $580,700,670 | 1,138 |
| Average earning assets | $552,295,000 | 1,105 |
| Average equity | $47,231,330 | 1,518 |
| Average total loans | $122,012,000 | 3,028 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9531% | 3,883 |
| Cost of funding earning assets | 1.0531% | 205 |
| Net interest margin | 2.9000% | 5,754 |
| Noninterest income to average assets | 1.2230% | 737 |
| Noninterest expense to average assets | 1.8383% | 6,162 |
| Loan and lease loss provision to assets | 0.0042% | 3,766 |
| Net operating income to assets | 1.6442% | 625 |
| Return on assets (ROA) | 1.6626% | 630 |
| Pretax return on assets | 2.1589% | 384 |
| Return on Equity (ROE) | 22.3700% | 184 |
| Retained earnings to average equity (ytd only) | 22.3700% | 80 |
| Net charge-offs to loans | -0.1045% | 6,131 |
| Credit loss provision to net charge-offs | -18.7500% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0401% | 6,426 |
| Assets per employee ($millions) | 7.6017% | 602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 2,018 |
| Loan loss allowance to noncurrent loans | 195.5816% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 5,563 |
| Noncurrent loans to loans | 0.9233% | 3,574 |
| Net loans and leases to total assets | 20.1499% | 6,574 |
| Net loans and leases to deposits | 22.0946% | 6,598 |
| Net loans and leases to core deposits | 24.2985% | 6,579 |
| Total domestic deposits to total assets | 91.1981% | 483 |
| Equity capital to assets | 7.9830% | 6,071 |
| Core capital (leverage) ratio | 9.4346% | 4,369 |
| Tier 1 risk-based capital ratio | 22.1241% | 1,278 |
| Total risk-based capital ratio | 23.0069% | 1,310 |
| Memoranda: | ||
| Average total assets | $571,404,500 | 1,163 |
| Average earning assets | $542,763,500 | 1,128 |
| Average equity | $42,467,500 | 1,680 |
| Average total loans | $122,447,000 | 3,019 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9299% | 4,357 |
| Cost of funding earning assets | 1.0946% | 297 |
| Net interest margin | 2.8353% | 5,925 |
| Noninterest income to average assets | 1.1138% | 1,131 |
| Noninterest expense to average assets | 1.8681% | 6,228 |
| Loan and lease loss provision to assets | 0.0555% | 4,036 |
| Net operating income to assets | 1.6366% | 640 |
| Return on assets (ROA) | 1.7445% | 552 |
| Pretax return on assets | 2.0157% | 455 |
| Return on Equity (ROE) | 21.0348% | 232 |
| Retained earnings to average equity (ytd only) | 17.0192% | 123 |
| Net charge-offs to loans | 0.8440% | 731 |
| Credit loss provision to net charge-offs | 29.2113% | 4,268 |
| Earnings coverage of net charge-offs (x) | 10.2483% | 2,398 |
| Efficiency ratio | 48.7683% | 6,460 |
| Assets per employee ($millions) | 7.3353% | 649 |
| Cash dividends to net income (ytd only)* | 19.0900% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,377 |
| Loan loss allowance to noncurrent loans | 193.7273% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 5,599 |
| Noncurrent loans to loans | 0.8815% | 3,782 |
| Net loans and leases to total assets | 22.0009% | 6,635 |
| Net loans and leases to deposits | 23.8105% | 6,669 |
| Net loans and leases to core deposits | 26.3468% | 6,644 |
| Total domestic deposits to total assets | 92.3999% | 217 |
| Equity capital to assets | 6.8537% | 6,496 |
| Core capital (leverage) ratio | 9.1882% | 4,737 |
| Tier 1 risk-based capital ratio | 21.2957% | 1,370 |
| Total risk-based capital ratio | 22.1696% | 1,416 |
| Memoranda: | ||
| Average total assets | $540,500,800 | 1,229 |
| Average earning assets | $515,005,800 | 1,177 |
| Average equity | $44,825,800 | 1,556 |
| Average total loans | $121,676,200 | 3,005 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,600 |
| Cost of funding earning assets | 1.0913% | 327 |
| Net interest margin | 2.7824% | 6,045 |
| Noninterest income to average assets | 1.1609% | 1,086 |
| Noninterest expense to average assets | 1.8436% | 6,275 |
| Loan and lease loss provision to assets | 0.0373% | 4,265 |
| Net operating income to assets | 1.7567% | 574 |
| Return on assets (ROA) | 1.9010% | 442 |
| Pretax return on assets | 2.0955% | 472 |
| Return on Equity (ROE) | 21.9328% | 207 |
| Retained earnings to average equity (ytd only) | 18.4905% | 97 |
| Net charge-offs to loans | 1.2627% | 422 |
| Credit loss provision to net charge-offs | 13.1004% | 4,183 |
| Earnings coverage of net charge-offs (x) | 6.9345% | 2,879 |
| Efficiency ratio | 48.0951% | 6,502 |
| Assets per employee ($millions) | 7.1036% | 705 |
| Cash dividends to net income (ytd only)* | 15.6945% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5611% | 3,181 |
| Loan loss allowance to noncurrent loans | 167.3854% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2035% | 5,825 |
| Noncurrent loans to loans | 0.9326% | 3,951 |
| Net loans and leases to total assets | 21.4779% | 6,727 |
| Net loans and leases to deposits | 23.3378% | 6,762 |
| Net loans and leases to core deposits | 25.7251% | 6,743 |
| Total domestic deposits to total assets | 92.0307% | 245 |
| Equity capital to assets | 7.1886% | 6,495 |
| Core capital (leverage) ratio | 9.3069% | 4,684 |
| Tier 1 risk-based capital ratio | 21.5858% | 1,388 |
| Total risk-based capital ratio | 22.3789% | 1,445 |
| Memoranda: | ||
| Average total assets | $536,255,750 | 1,254 |
| Average earning assets | $512,059,250 | 1,197 |
| Average equity | $46,480,250 | 1,517 |
| Average total loans | $120,899,750 | 3,044 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,798 |
| Cost of funding earning assets | 1.0930% | 350 |
| Net interest margin | 2.7164% | 6,153 |
| Noninterest income to average assets | 1.2090% | 1,048 |
| Noninterest expense to average assets | 1.8033% | 6,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.7903% | 533 |
| Return on assets (ROA) | 2.0034% | 380 |
| Pretax return on assets | 2.2467% | 388 |
| Return on Equity (ROE) | 21.8389% | 209 |
| Retained earnings to average equity (ytd only) | 16.9276% | 159 |
| Net charge-offs to loans | -0.0165% | 5,901 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1278% | 6,587 |
| Assets per employee ($millions) | 6.8764% | 760 |
| Cash dividends to net income (ytd only)* | 22.4888% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3129% | 1,239 |
| Loan loss allowance to noncurrent loans | 196.0355% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 5,673 |
| Noncurrent loans to loans | 1.1799% | 3,585 |
| Net loans and leases to total assets | 22.5836% | 6,753 |
| Net loans and leases to deposits | 25.1490% | 6,780 |
| Net loans and leases to core deposits | 27.5127% | 6,760 |
| Total domestic deposits to total assets | 89.7994% | 1,149 |
| Equity capital to assets | 8.0992% | 6,134 |
| Core capital (leverage) ratio | 9.1129% | 4,813 |
| Tier 1 risk-based capital ratio | 20.6528% | 1,581 |
| Total risk-based capital ratio | 21.8780% | 1,551 |
| Memoranda: | ||
| Average total assets | $532,682,330 | 1,257 |
| Average earning assets | $510,154,000 | 1,205 |
| Average equity | $48,867,000 | 1,462 |
| Average total loans | $121,419,000 | 3,042 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 5,131 |
| Cost of funding earning assets | 1.0962% | 380 |
| Net interest margin | 2.6124% | 6,352 |
| Noninterest income to average assets | 1.3126% | 894 |
| Noninterest expense to average assets | 1.8167% | 6,419 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7510% | 519 |
| Return on assets (ROA) | 2.0420% | 350 |
| Pretax return on assets | 2.3427% | 334 |
| Return on Equity (ROE) | 21.0159% | 235 |
| Retained earnings to average equity (ytd only) | 21.0159% | 112 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3010% | 6,640 |
| Assets per employee ($millions) | 6.8218% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3136% | 1,391 |
| Loan loss allowance to noncurrent loans | 196.0219% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 5,744 |
| Noncurrent loans to loans | 1.1803% | 3,800 |
| Net loans and leases to total assets | 22.6786% | 6,804 |
| Net loans and leases to deposits | 25.4084% | 6,839 |
| Net loans and leases to core deposits | 27.8143% | 6,803 |
| Total domestic deposits to total assets | 89.2563% | 1,523 |
| Equity capital to assets | 9.6737% | 4,600 |
| Core capital (leverage) ratio | 9.0477% | 4,809 |
| Tier 1 risk-based capital ratio | 21.0770% | 1,518 |
| Total risk-based capital ratio | 22.3274% | 1,488 |
| Memoranda: | ||
| Average total assets | $530,842,500 | 1,274 |
| Average earning assets | $510,492,000 | 1,221 |
| Average equity | $51,580,000 | 1,409 |
| Average total loans | $120,129,500 | 3,086 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 5,148 |
| Cost of funding earning assets | 1.1990% | 583 |
| Net interest margin | 2.8494% | 6,312 |
| Noninterest income to average assets | 1.2090% | 1,077 |
| Noninterest expense to average assets | 2.3118% | 5,661 |
| Loan and lease loss provision to assets | 0.0947% | 4,482 |
| Net operating income to assets | 1.3555% | 1,187 |
| Return on assets (ROA) | 1.8816% | 494 |
| Pretax return on assets | 2.1211% | 477 |
| Return on Equity (ROE) | 18.9469% | 363 |
| Retained earnings to average equity (ytd only) | 14.8731% | 161 |
| Net charge-offs to loans | 0.0870% | 4,807 |
| Credit loss provision to net charge-offs | 454.3689% | 529 |
| Earnings coverage of net charge-offs (x) | 77.9806% | 491 |
| Efficiency ratio | 46.8938% | 6,757 |
| Assets per employee ($millions) | 6.8777% | 815 |
| Cash dividends to net income (ytd only)* | 21.5008% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4484% | 1,183 |
| Loan loss allowance to noncurrent loans | 196.1565% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 5,867 |
| Noncurrent loans to loans | 1.2482% | 3,754 |
| Net loans and leases to total assets | 21.5017% | 6,907 |
| Net loans and leases to deposits | 24.0389% | 6,931 |
| Net loans and leases to core deposits | 26.2416% | 6,905 |
| Total domestic deposits to total assets | 89.4455% | 1,276 |
| Equity capital to assets | 9.7597% | 4,514 |
| Core capital (leverage) ratio | 8.7079% | 5,319 |
| Tier 1 risk-based capital ratio | 21.2176% | 1,412 |
| Total risk-based capital ratio | 22.4694% | 1,389 |
| Memoranda: | ||
| Average total assets | $494,373,000 | 1,347 |
| Average earning assets | $473,223,400 | 1,290 |
| Average equity | $49,095,200 | 1,439 |
| Average total loans | $118,451,400 | 3,113 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 5,051 |
| Cost of funding earning assets | 1.2230% | 628 |
| Net interest margin | 2.9142% | 6,327 |
| Noninterest income to average assets | 1.2592% | 947 |
| Noninterest expense to average assets | 1.9265% | 6,476 |
| Loan and lease loss provision to assets | 0.1038% | 4,281 |
| Net operating income to assets | 1.7073% | 676 |
| Return on assets (ROA) | 2.1832% | 331 |
| Pretax return on assets | 2.5748% | 262 |
| Return on Equity (ROE) | 21.8816% | 242 |
| Retained earnings to average equity (ytd only) | 18.8543% | 97 |
| Net charge-offs to loans | 0.1536% | 3,886 |
| Credit loss provision to net charge-offs | 275.9124% | 983 |
| Earnings coverage of net charge-offs (x) | 56.3218% | 691 |
| Efficiency ratio | 45.7032% | 6,829 |
| Assets per employee ($millions) | 6.8076% | 810 |
| Cash dividends to net income (ytd only)* | 13.8347% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 1,523 |
| Loan loss allowance to noncurrent loans | 186.8763% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 5,874 |
| Noncurrent loans to loans | 1.2292% | 3,995 |
| Net loans and leases to total assets | 22.7756% | 6,990 |
| Net loans and leases to deposits | 25.7482% | 7,013 |
| Net loans and leases to core deposits | 28.2297% | 6,991 |
| Total domestic deposits to total assets | 88.4548% | 1,748 |
| Equity capital to assets | 10.3345% | 4,037 |
| Core capital (leverage) ratio | 8.6373% | 5,570 |
| Tier 1 risk-based capital ratio | 21.3267% | 1,449 |
| Total risk-based capital ratio | 22.5784% | 1,419 |
| Memoranda: | ||
| Average total assets | $485,570,000 | 1,387 |
| Average earning assets | $464,197,000 | 1,333 |
| Average equity | $48,447,500 | 1,467 |
| Average total loans | $118,882,250 | 3,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 4,815 |
| Cost of funding earning assets | 1.2436% | 672 |
| Net interest margin | 2.9953% | 6,253 |
| Noninterest income to average assets | 1.3499% | 787 |
| Noninterest expense to average assets | 1.9470% | 6,523 |
| Loan and lease loss provision to assets | 0.1207% | 4,018 |
| Net operating income to assets | 1.8104% | 552 |
| Return on assets (ROA) | 2.2731% | 283 |
| Pretax return on assets | 2.6871% | 227 |
| Return on Equity (ROE) | 23.0768% | 203 |
| Retained earnings to average equity (ytd only) | 18.3967% | 133 |
| Net charge-offs to loans | 0.1548% | 3,678 |
| Credit loss provision to net charge-offs | 313.0435% | 938 |
| Earnings coverage of net charge-offs (x) | 58.7065% | 646 |
| Efficiency ratio | 44.4212% | 6,937 |
| Assets per employee ($millions) | 6.4614% | 981 |
| Cash dividends to net income (ytd only)* | 20.2802% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2858% | 1,610 |
| Loan loss allowance to noncurrent loans | 171.1649% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 5,889 |
| Noncurrent loans to loans | 1.3355% | 3,920 |
| Net loans and leases to total assets | 23.1037% | 7,050 |
| Net loans and leases to deposits | 26.0573% | 7,069 |
| Net loans and leases to core deposits | 28.4148% | 7,051 |
| Total domestic deposits to total assets | 88.6652% | 1,728 |
| Equity capital to assets | 10.0902% | 4,200 |
| Core capital (leverage) ratio | 8.4472% | 5,718 |
| Tier 1 risk-based capital ratio | 20.6834% | 1,534 |
| Total risk-based capital ratio | 21.9355% | 1,514 |
| Memoranda: | ||
| Average total assets | $477,237,000 | 1,404 |
| Average earning assets | $455,773,670 | 1,354 |
| Average equity | $47,008,330 | 1,486 |
| Average total loans | $118,836,670 | 3,159 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3074% | 4,706 |
| Cost of funding earning assets | 1.2604% | 744 |
| Net interest margin | 3.0470% | 6,189 |
| Noninterest income to average assets | 1.5723% | 585 |
| Noninterest expense to average assets | 1.9859% | 6,487 |
| Loan and lease loss provision to assets | 0.1079% | 4,005 |
| Net operating income to assets | 1.9982% | 421 |
| Return on assets (ROA) | 2.3550% | 272 |
| Pretax return on assets | 2.8140% | 223 |
| Return on Equity (ROE) | 24.2229% | 208 |
| Retained earnings to average equity (ytd only) | 24.2229% | 104 |
| Net charge-offs to loans | 0.1775% | 3,032 |
| Credit loss provision to net charge-offs | 237.7358% | 1,191 |
| Earnings coverage of net charge-offs (x) | 55.0189% | 590 |
| Efficiency ratio | 42.5788% | 7,041 |
| Assets per employee ($millions) | 6.3110% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1166% | 2,064 |
| Loan loss allowance to noncurrent loans | 2,156.3025% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 6,719 |
| Noncurrent loans to loans | 0.0982% | 6,514 |
| Net loans and leases to total assets | 25.0715% | 7,059 |
| Net loans and leases to deposits | 28.1533% | 7,086 |
| Net loans and leases to core deposits | 30.7371% | 7,062 |
| Total domestic deposits to total assets | 89.0534% | 1,665 |
| Equity capital to assets | 9.8909% | 4,266 |
| Core capital (leverage) ratio | 8.4554% | 5,666 |
| Tier 1 risk-based capital ratio | 20.3140% | 1,636 |
| Total risk-based capital ratio | 21.5656% | 1,606 |
| Memoranda: | ||
| Average total assets | $467,090,500 | 1,436 |
| Average earning assets | $446,207,000 | 1,383 |
| Average equity | $45,411,500 | 1,527 |
| Average total loans | $119,436,500 | 3,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 4,451 |
| Cost of funding earning assets | 1.4191% | 960 |
| Net interest margin | 3.2318% | 6,005 |
| Noninterest income to average assets | 1.2879% | 778 |
| Noninterest expense to average assets | 2.2681% | 6,121 |
| Loan and lease loss provision to assets | 0.1525% | 4,715 |
| Net operating income to assets | 1.7147% | 536 |
| Return on assets (ROA) | 1.9355% | 377 |
| Pretax return on assets | 2.1734% | 388 |
| Return on Equity (ROE) | 21.9918% | 184 |
| Retained earnings to average equity (ytd only) | 18.3875% | 68 |
| Net charge-offs to loans | 0.2253% | 4,373 |
| Credit loss provision to net charge-offs | 242.2481% | 996 |
| Earnings coverage of net charge-offs (x) | 33.0039% | 781 |
| Efficiency ratio | 48.5065% | 6,918 |
| Assets per employee ($millions) | 6.4008% | 1,006 |
| Cash dividends to net income (ytd only)* | 16.3893% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1192% | 1,952 |
| Loan loss allowance to noncurrent loans | 1,252.7638% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 6,737 |
| Noncurrent loans to loans | 0.1692% | 6,412 |
| Net loans and leases to total assets | 24.9849% | 7,143 |
| Net loans and leases to deposits | 27.9305% | 7,171 |
| Net loans and leases to core deposits | 30.4897% | 7,145 |
| Total domestic deposits to total assets | 89.4540% | 1,292 |
| Equity capital to assets | 9.5489% | 4,803 |
| Core capital (leverage) ratio | 8.2221% | 5,957 |
| Tier 1 risk-based capital ratio | 19.4925% | 1,763 |
| Total risk-based capital ratio | 20.7441% | 1,728 |
| Memoranda: | ||
| Average total assets | $409,812,800 | 1,581 |
| Average earning assets | $387,769,000 | 1,533 |
| Average equity | $36,068,000 | 1,885 |
| Average total loans | $114,491,800 | 3,282 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 4,064 |
| Cost of funding earning assets | 1.4617% | 983 |
| Net interest margin | 3.3276% | 5,779 |
| Noninterest income to average assets | 1.3657% | 701 |
| Noninterest expense to average assets | 2.2455% | 6,177 |
| Loan and lease loss provision to assets | 0.1259% | 4,856 |
| Net operating income to assets | 1.8670% | 452 |
| Return on assets (ROA) | 2.0843% | 323 |
| Pretax return on assets | 2.3852% | 309 |
| Return on Equity (ROE) | 24.2811% | 154 |
| Retained earnings to average equity (ytd only) | 19.5868% | 83 |
| Net charge-offs to loans | 0.0833% | 5,145 |
| Credit loss provision to net charge-offs | 528.1690% | 523 |
| Earnings coverage of net charge-offs (x) | 94.8494% | 378 |
| Efficiency ratio | 47.6418% | 6,980 |
| Assets per employee ($millions) | 5.9749% | 1,219 |
| Cash dividends to net income (ytd only)* | 19.3330% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 1,961 |
| Loan loss allowance to noncurrent loans | 133.5899% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4693% | 5,908 |
| Noncurrent loans to loans | 1.6104% | 3,883 |
| Net loans and leases to total assets | 25.6914% | 7,197 |
| Net loans and leases to deposits | 28.9329% | 7,230 |
| Net loans and leases to core deposits | 31.8240% | 7,204 |
| Total domestic deposits to total assets | 88.7966% | 1,545 |
| Equity capital to assets | 9.9117% | 4,466 |
| Core capital (leverage) ratio | 8.2075% | 6,125 |
| Tier 1 risk-based capital ratio | 19.4045% | 1,841 |
| Total risk-based capital ratio | 20.6561% | 1,812 |
| Memoranda: | ||
| Average total assets | $397,051,500 | 1,647 |
| Average earning assets | $374,793,250 | 1,596 |
| Average equity | $34,083,250 | 1,965 |
| Average total loans | $113,705,250 | 3,325 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8611% | 3,808 |
| Cost of funding earning assets | 1.4989% | 1,014 |
| Net interest margin | 3.3623% | 5,675 |
| Noninterest income to average assets | 1.4642% | 596 |
| Noninterest expense to average assets | 2.3269% | 6,053 |
| Loan and lease loss provision to assets | 0.1554% | 4,369 |
| Net operating income to assets | 1.8824% | 422 |
| Return on assets (ROA) | 2.0191% | 347 |
| Pretax return on assets | 2.3010% | 350 |
| Return on Equity (ROE) | 24.9557% | 140 |
| Retained earnings to average equity (ytd only) | 17.2711% | 155 |
| Net charge-offs to loans | 0.1211% | 4,504 |
| Credit loss provision to net charge-offs | 434.7826% | 693 |
| Earnings coverage of net charge-offs (x) | 64.3623% | 508 |
| Efficiency ratio | 48.0967% | 7,058 |
| Assets per employee ($millions) | 5.5679% | 1,508 |
| Cash dividends to net income (ytd only)* | 30.7929% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 2,140 |
| Loan loss allowance to noncurrent loans | 2,805.9524% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 6,825 |
| Noncurrent loans to loans | 0.0744% | 6,794 |
| Net loans and leases to total assets | 27.5675% | 7,253 |
| Net loans and leases to deposits | 30.5800% | 7,298 |
| Net loans and leases to core deposits | 33.7360% | 7,261 |
| Total domestic deposits to total assets | 90.1490% | 898 |
| Equity capital to assets | 8.9772% | 5,613 |
| Core capital (leverage) ratio | 8.0576% | 6,224 |
| Tier 1 risk-based capital ratio | 18.5271% | 2,002 |
| Total risk-based capital ratio | 19.7738% | 1,955 |
| Memoranda: | ||
| Average total assets | $386,005,330 | 1,701 |
| Average earning assets | $363,206,330 | 1,648 |
| Average equity | $31,231,330 | 2,114 |
| Average total loans | $113,956,330 | 3,362 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 3,763 |
| Cost of funding earning assets | 1.5408% | 1,018 |
| Net interest margin | 3.3215% | 5,704 |
| Noninterest income to average assets | 1.6917% | 481 |
| Noninterest expense to average assets | 2.3510% | 6,047 |
| Loan and lease loss provision to assets | 0.1585% | 4,043 |
| Net operating income to assets | 1.9420% | 380 |
| Return on assets (ROA) | 2.0414% | 342 |
| Pretax return on assets | 2.4165% | 280 |
| Return on Equity (ROE) | 26.7845% | 122 |
| Retained earnings to average equity (ytd only) | 26.7845% | 81 |
| Net charge-offs to loans | 0.1328% | 3,715 |
| Credit loss provision to net charge-offs | 394.7368% | 844 |
| Earnings coverage of net charge-offs (x) | 61.1842% | 485 |
| Efficiency ratio | 46.7253% | 7,169 |
| Assets per employee ($millions) | 5.4459% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9605% | 2,514 |
| Loan loss allowance to noncurrent loans | 127.3762% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5524% | 5,865 |
| Noncurrent loans to loans | 1.5392% | 4,161 |
| Net loans and leases to total assets | 29.3574% | 7,250 |
| Net loans and leases to deposits | 32.3472% | 7,312 |
| Net loans and leases to core deposits | 35.7341% | 7,271 |
| Total domestic deposits to total assets | 90.7572% | 734 |
| Equity capital to assets | 8.2817% | 6,183 |
| Core capital (leverage) ratio | 8.1464% | 6,062 |
| Tier 1 risk-based capital ratio | 17.7384% | 2,204 |
| Total risk-based capital ratio | 18.9892% | 2,169 |
| Memoranda: | ||
| Average total assets | $378,562,000 | 1,735 |
| Average earning assets | $355,141,000 | 1,694 |
| Average equity | $28,852,500 | 2,242 |
| Average total loans | $114,498,000 | 3,376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 5,238 |
| Cost of funding earning assets | 1.7730% | 1,283 |
| Net interest margin | 3.0748% | 6,584 |
| Noninterest income to average assets | 1.4998% | 645 |
| Noninterest expense to average assets | 2.6713% | 5,119 |
| Loan and lease loss provision to assets | 0.1741% | 5,480 |
| Net operating income to assets | 1.3579% | 1,031 |
| Return on assets (ROA) | 1.6530% | 612 |
| Pretax return on assets | 1.8741% | 643 |
| Return on Equity (ROE) | 19.5551% | 279 |
| Retained earnings to average equity (ytd only) | 13.6350% | 178 |
| Net charge-offs to loans | 0.2043% | 5,058 |
| Credit loss provision to net charge-offs | 262.0087% | 1,075 |
| Earnings coverage of net charge-offs (x) | 25.7817% | 830 |
| Efficiency ratio | 51.3301% | 7,039 |
| Assets per employee ($millions) | 5.8736% | 1,300 |
| Cash dividends to net income (ytd only)* | 30.2738% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 2,686 |
| Loan loss allowance to noncurrent loans | 74.9912% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 5,498 |
| Noncurrent loans to loans | 2.4686% | 3,056 |
| Net loans and leases to total assets | 29.9853% | 7,355 |
| Net loans and leases to deposits | 33.0522% | 7,412 |
| Net loans and leases to core deposits | 36.3867% | 7,383 |
| Total domestic deposits to total assets | 90.7209% | 736 |
| Equity capital to assets | 6.9522% | 7,128 |
| Core capital (leverage) ratio | 7.7832% | 6,453 |
| Tier 1 risk-based capital ratio | 16.8952% | 2,385 |
| Total risk-based capital ratio | 18.1454% | 2,354 |
| Memoranda: | ||
| Average total assets | $344,703,600 | 1,894 |
| Average earning assets | $323,343,200 | 1,844 |
| Average equity | $29,138,200 | 2,232 |
| Average total loans | $112,062,800 | 3,495 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 5,051 |
| Cost of funding earning assets | 1.8105% | 1,376 |
| Net interest margin | 3.1369% | 6,516 |
| Noninterest income to average assets | 1.5858% | 556 |
| Noninterest expense to average assets | 2.4323% | 5,934 |
| Loan and lease loss provision to assets | 0.1781% | 5,260 |
| Net operating income to assets | 1.6142% | 728 |
| Return on assets (ROA) | 1.9028% | 446 |
| Pretax return on assets | 2.2633% | 366 |
| Return on Equity (ROE) | 21.4475% | 225 |
| Retained earnings to average equity (ytd only) | 16.8752% | 141 |
| Net charge-offs to loans | 0.2227% | 4,607 |
| Credit loss provision to net charge-offs | 241.9355% | 1,397 |
| Earnings coverage of net charge-offs (x) | 28.5004% | 913 |
| Efficiency ratio | 50.0480% | 7,147 |
| Assets per employee ($millions) | 6.0129% | 1,229 |
| Cash dividends to net income (ytd only)* | 21.3186% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 2,691 |
| Loan loss allowance to noncurrent loans | 218.5065% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.2561% | 6,725 |
| Noncurrent loans to loans | 0.8367% | 5,547 |
| Net loans and leases to total assets | 30.0496% | 7,467 |
| Net loans and leases to deposits | 34.0875% | 7,519 |
| Net loans and leases to core deposits | 37.6052% | 7,470 |
| Total domestic deposits to total assets | 88.1541% | 1,870 |
| Equity capital to assets | 9.2526% | 5,221 |
| Core capital (leverage) ratio | 7.9852% | 6,365 |
| Tier 1 risk-based capital ratio | 17.7179% | 2,106 |
| Total risk-based capital ratio | 18.9685% | 2,072 |
| Memoranda: | ||
| Average total assets | $336,902,500 | 1,962 |
| Average earning assets | $316,223,250 | 1,905 |
| Average equity | $29,889,250 | 2,205 |
| Average total loans | $111,367,750 | 3,573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0531% | 4,689 |
| Cost of funding earning assets | 1.8566% | 1,398 |
| Net interest margin | 3.1965% | 6,330 |
| Noninterest income to average assets | 1.6307% | 487 |
| Noninterest expense to average assets | 2.4794% | 5,799 |
| Loan and lease loss provision to assets | 0.1824% | 5,044 |
| Net operating income to assets | 1.6288% | 682 |
| Return on assets (ROA) | 1.9523% | 393 |
| Pretax return on assets | 2.3524% | 306 |
| Return on Equity (ROE) | 22.3566% | 196 |
| Retained earnings to average equity (ytd only) | 15.2200% | 231 |
| Net charge-offs to loans | 0.1236% | 4,951 |
| Credit loss provision to net charge-offs | 434.7826% | 832 |
| Earnings coverage of net charge-offs (x) | 51.1304% | 581 |
| Efficiency ratio | 49.9869% | 7,223 |
| Assets per employee ($millions) | 5.9872% | 1,240 |
| Cash dividends to net income (ytd only)* | 31.9215% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7644% | 2,841 |
| Loan loss allowance to noncurrent loans | 199.3976% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 6,682 |
| Noncurrent loans to loans | 0.8849% | 5,500 |
| Net loans and leases to total assets | 32.4002% | 7,471 |
| Net loans and leases to deposits | 36.5284% | 7,521 |
| Net loans and leases to core deposits | 40.5566% | 7,480 |
| Total domestic deposits to total assets | 88.6985% | 1,603 |
| Equity capital to assets | 8.7273% | 5,847 |
| Core capital (leverage) ratio | 7.8799% | 6,411 |
| Tier 1 risk-based capital ratio | 16.8344% | 2,346 |
| Total risk-based capital ratio | 18.0851% | 2,293 |
| Memoranda: | ||
| Average total assets | $328,945,330 | 2,017 |
| Average earning assets | $308,086,330 | 1,976 |
| Average equity | $28,725,330 | 2,283 |
| Average total loans | $111,680,330 | 3,593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2179% | 3,927 |
| Cost of funding earning assets | 1.8845% | 1,511 |
| Net interest margin | 3.3333% | 5,846 |
| Noninterest income to average assets | 1.7820% | 405 |
| Noninterest expense to average assets | 2.5206% | 5,653 |
| Loan and lease loss provision to assets | 0.1859% | 4,650 |
| Net operating income to assets | 1.7744% | 523 |
| Return on assets (ROA) | 2.1067% | 319 |
| Pretax return on assets | 2.6049% | 212 |
| Return on Equity (ROE) | 24.1169% | 185 |
| Retained earnings to average equity (ytd only) | 24.1169% | 110 |
| Net charge-offs to loans | -0.1330% | 7,582 |
| Credit loss provision to net charge-offs | -405.4054% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9899% | 7,440 |
| Assets per employee ($millions) | 5.3688% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7381% | 2,933 |
| Loan loss allowance to noncurrent loans | 561.2717% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 7,215 |
| Noncurrent loans to loans | 0.3097% | 6,704 |
| Net loans and leases to total assets | 33.5230% | 7,511 |
| Net loans and leases to deposits | 38.0400% | 7,578 |
| Net loans and leases to core deposits | 41.1864% | 7,545 |
| Total domestic deposits to total assets | 88.1254% | 1,991 |
| Equity capital to assets | 8.8715% | 5,444 |
| Core capital (leverage) ratio | 7.9471% | 6,315 |
| Tier 1 risk-based capital ratio | 16.9227% | 2,288 |
| Total risk-based capital ratio | 18.1731% | 2,242 |
| Memoranda: | ||
| Average total assets | $322,781,500 | 2,102 |
| Average earning assets | $302,040,000 | 2,068 |
| Average equity | $28,196,000 | 2,359 |
| Average total loans | $111,241,000 | 3,659 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 4,359 |
| Cost of funding earning assets | 2.2133% | 1,972 |
| Net interest margin | 3.2514% | 5,925 |
| Noninterest income to average assets | 1.8478% | 438 |
| Noninterest expense to average assets | 2.9189% | 4,466 |
| Loan and lease loss provision to assets | 0.2330% | 5,511 |
| Net operating income to assets | 1.4233% | 812 |
| Return on assets (ROA) | 1.6482% | 519 |
| Pretax return on assets | 1.9937% | 406 |
| Return on Equity (ROE) | 19.2991% | 279 |
| Retained earnings to average equity (ytd only) | 15.5215% | 85 |
| Net charge-offs to loans | 0.1014% | 6,117 |
| Credit loss provision to net charge-offs | 613.2075% | 478 |
| Earnings coverage of net charge-offs (x) | 51.4717% | 507 |
| Efficiency ratio | 55.8938% | 7,034 |
| Assets per employee ($millions) | 5.0487% | 2,159 |
| Cash dividends to net income (ytd only)* | 19.5737% | 3,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,344 |
| Loan loss allowance to noncurrent loans | 450.0000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 7,172 |
| Noncurrent loans to loans | 0.3521% | 6,570 |
| Net loans and leases to total assets | 34.2691% | 7,584 |
| Net loans and leases to deposits | 38.7609% | 7,657 |
| Net loans and leases to core deposits | 57.8174% | 7,346 |
| Total domestic deposits to total assets | 88.4115% | 1,769 |
| Equity capital to assets | 8.5951% | 5,734 |
| Core capital (leverage) ratio | 7.7457% | 6,507 |
| Tier 1 risk-based capital ratio | 15.8941% | 2,569 |
| Total risk-based capital ratio | 17.0810% | 2,529 |
| Memoranda: | ||
| Average total assets | $278,974,200 | 2,356 |
| Average earning assets | $259,707,200 | 2,332 |
| Average equity | $23,825,000 | 2,751 |
| Average total loans | $104,566,800 | 3,819 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4900% | 4,467 |
| Cost of funding earning assets | 2.2812% | 2,061 |
| Net interest margin | 3.2088% | 5,987 |
| Noninterest income to average assets | 1.9960% | 370 |
| Noninterest expense to average assets | 2.9831% | 4,114 |
| Loan and lease loss provision to assets | 0.2229% | 5,189 |
| Net operating income to assets | 1.4479% | 920 |
| Return on assets (ROA) | 1.6904% | 603 |
| Pretax return on assets | 2.0718% | 473 |
| Return on Equity (ROE) | 19.8309% | 323 |
| Retained earnings to average equity (ytd only) | 14.6015% | 171 |
| Net charge-offs to loans | 0.0725% | 5,962 |
| Credit loss provision to net charge-offs | 803.5714% | 475 |
| Earnings coverage of net charge-offs (x) | 72.0761% | 466 |
| Efficiency ratio | 55.8306% | 7,024 |
| Assets per employee ($millions) | 4.9878% | 2,163 |
| Cash dividends to net income (ytd only)* | 26.3698% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4698% | 3,596 |
| Loan loss allowance to noncurrent loans | 363.1222% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2212% | 6,965 |
| Noncurrent loans to loans | 0.4048% | 6,533 |
| Net loans and leases to total assets | 36.5606% | 7,601 |
| Net loans and leases to deposits | 41.6969% | 7,683 |
| Net loans and leases to core deposits | 63.2185% | 7,278 |
| Total domestic deposits to total assets | 87.6818% | 1,812 |
| Equity capital to assets | 8.9262% | 5,596 |
| Core capital (leverage) ratio | 7.4156% | 7,063 |
| Tier 1 risk-based capital ratio | 14.9419% | 3,065 |
| Total risk-based capital ratio | 16.0951% | 3,055 |
| Memoranda: | ||
| Average total assets | $269,201,500 | 2,438 |
| Average earning assets | $250,509,500 | 2,419 |
| Average equity | $22,946,750 | 2,860 |
| Average total loans | $103,020,250 | 3,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 4,423 |
| Cost of funding earning assets | 2.3585% | 2,129 |
| Net interest margin | 3.1751% | 6,001 |
| Noninterest income to average assets | 2.1461% | 329 |
| Noninterest expense to average assets | 3.0601% | 3,840 |
| Loan and lease loss provision to assets | 0.2300% | 4,743 |
| Net operating income to assets | 1.4505% | 930 |
| Return on assets (ROA) | 1.6914% | 632 |
| Pretax return on assets | 2.0932% | 444 |
| Return on Equity (ROE) | 20.2018% | 329 |
| Retained earnings to average equity (ytd only) | 11.9599% | 449 |
| Net charge-offs to loans | -0.0178% | 7,675 |
| Credit loss provision to net charge-offs | -3,333.3333% | 7,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0832% | 7,113 |
| Assets per employee ($millions) | 4.5794% | 2,651 |
| Cash dividends to net income (ytd only)* | 40.7978% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4537% | 3,444 |
| Loan loss allowance to noncurrent loans | 479.4953% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 7,080 |
| Noncurrent loans to loans | 0.3032% | 6,760 |
| Net loans and leases to total assets | 37.5019% | 7,657 |
| Net loans and leases to deposits | 42.4328% | 7,744 |
| Net loans and leases to core deposits | 63.1795% | 7,330 |
| Total domestic deposits to total assets | 88.3795% | 1,584 |
| Equity capital to assets | 8.0247% | 6,721 |
| Core capital (leverage) ratio | 7.7141% | 6,732 |
| Tier 1 risk-based capital ratio | 14.6900% | 3,149 |
| Total risk-based capital ratio | 15.8379% | 3,139 |
| Memoranda: | ||
| Average total assets | $260,841,670 | 2,536 |
| Average earning assets | $241,506,000 | 2,508 |
| Average equity | $21,839,670 | 2,991 |
| Average total loans | $100,961,670 | 3,989 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5632% | 4,560 |
| Cost of funding earning assets | 2.4330% | 2,165 |
| Net interest margin | 3.1303% | 6,102 |
| Noninterest income to average assets | 2.5429% | 247 |
| Noninterest expense to average assets | 3.0802% | 3,449 |
| Loan and lease loss provision to assets | 0.2363% | 4,089 |
| Net operating income to assets | 1.6430% | 733 |
| Return on assets (ROA) | 1.9883% | 407 |
| Pretax return on assets | 2.5618% | 227 |
| Return on Equity (ROE) | 23.2252% | 253 |
| Retained earnings to average equity (ytd only) | 23.2252% | 106 |
| Net charge-offs to loans | -0.0686% | 7,786 |
| Credit loss provision to net charge-offs | -882.3529% | 6,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7536% | 7,341 |
| Assets per employee ($millions) | 4.2548% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 3,520 |
| Loan loss allowance to noncurrent loans | 367.4667% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 7,137 |
| Noncurrent loans to loans | 0.3801% | 6,468 |
| Net loans and leases to total assets | 37.4765% | 7,677 |
| Net loans and leases to deposits | 42.9248% | 7,761 |
| Net loans and leases to core deposits | 62.4815% | 7,370 |
| Total domestic deposits to total assets | 87.3074% | 2,064 |
| Equity capital to assets | 8.5542% | 5,986 |
| Core capital (leverage) ratio | 7.7774% | 6,780 |
| Tier 1 risk-based capital ratio | 15.5700% | 2,824 |
| Total risk-based capital ratio | 16.6832% | 2,813 |
| Memoranda: | ||
| Average total assets | $253,880,000 | 2,603 |
| Average earning assets | $234,612,000 | 2,591 |
| Average equity | $21,735,000 | 3,009 |
| Average total loans | $99,161,500 | 4,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9536% | 5,793 |
| Cost of funding earning assets | 2.9726% | 1,971 |
| Net interest margin | 2.9810% | 6,966 |
| Noninterest income to average assets | 1.8637% | 388 |
| Noninterest expense to average assets | 2.9376% | 4,311 |
| Loan and lease loss provision to assets | 0.1974% | 4,912 |
| Net operating income to assets | 1.2220% | 1,710 |
| Return on assets (ROA) | 1.3129% | 1,406 |
| Pretax return on assets | 1.5776% | 1,449 |
| Return on Equity (ROE) | 15.5836% | 837 |
| Retained earnings to average equity (ytd only) | 10.1344% | 428 |
| Net charge-offs to loans | 0.1020% | 5,293 |
| Credit loss provision to net charge-offs | 489.3617% | 892 |
| Earnings coverage of net charge-offs (x) | 41.2979% | 892 |
| Efficiency ratio | 59.8844% | 6,366 |
| Assets per employee ($millions) | 4.0691% | 3,374 |
| Cash dividends to net income (ytd only)* | 34.9673% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,420 |
| Loan loss allowance to noncurrent loans | 405.0167% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.1205% | 7,097 |
| Noncurrent loans to loans | 0.3000% | 6,480 |
| Net loans and leases to total assets | 39.6695% | 7,686 |
| Net loans and leases to deposits | 46.3354% | 7,771 |
| Net loans and leases to core deposits | 64.8840% | 7,407 |
| Total domestic deposits to total assets | 85.6137% | 2,578 |
| Equity capital to assets | 8.5683% | 5,982 |
| Core capital (leverage) ratio | 7.5803% | 7,102 |
| Tier 1 risk-based capital ratio | 14.6669% | 3,223 |
| Total risk-based capital ratio | 15.6605% | 3,250 |
| Memoranda: | ||
| Average total assets | $233,080,000 | 2,728 |
| Average earning assets | $214,189,400 | 2,718 |
| Average equity | $19,636,000 | 3,283 |
| Average total loans | $92,173,600 | 4,154 |