Home > Jonestown Bank and Trust Company, of Jonestown, Pennsylvania > Performance and Condition Ratios
Jonestown Bank and Trust Company, of Jonestown, Pennsylvania, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4531% | 2,192 |
| Cost of funding earning assets | 1.7112% | 2,704 |
| Net interest margin | 3.7420% | 1,798 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 2.7531% | 1,621 |
| Loan and lease loss provision to assets | 0.3600% | 284 |
| Net operating income to assets | 0.7372% | 3,018 |
| Return on assets (ROA) | 0.7372% | 3,019 |
| Pretax return on assets | 0.9097% | 2,941 |
| Return on Equity (ROE) | 7.9000% | 2,884 |
| Retained earnings to average equity (ytd only) | 4.9660% | 2,576 |
| Net charge-offs to loans | 0.2830% | 415 |
| Credit loss provision to net charge-offs | 127.5046% | 1,113 |
| Earnings coverage of net charge-offs (x) | 5.5410% | 1,901 |
| Efficiency ratio | 68.4832% | 1,992 |
| Assets per employee ($millions) | 6.2491% | 2,756 |
| Cash dividends to net income (ytd only)* | 37.1186% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 2,350 |
| Loan loss allowance to noncurrent loans | 1,075.8216% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 3,081 |
| Noncurrent loans to loans | 0.1088% | 3,115 |
| Net loans and leases to total assets | 79.9000% | 606 |
| Net loans and leases to deposits | 95.3615% | 669 |
| Net loans and leases to core deposits | 100.6007% | 1,330 |
| Total domestic deposits to total assets | 83.7900% | 2,949 |
| Equity capital to assets | 9.3302% | 2,696 |
| Core capital (leverage) ratio | 9.5636% | 3,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $960,367,500 | 1,073 |
| Average earning assets | $904,653,500 | 1,049 |
| Average equity | $89,650,000 | 1,139 |
| Average total loans | $775,835,500 | 945 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 1,912 |
| Cost of funding earning assets | 1.8712% | 2,532 |
| Net interest margin | 3.7455% | 1,593 |
| Noninterest income to average assets | 0.5200% | 1,840 |
| Noninterest expense to average assets | 2.8097% | 1,481 |
| Loan and lease loss provision to assets | 0.1900% | 718 |
| Net operating income to assets | 0.8527% | 2,540 |
| Return on assets (ROA) | 0.8527% | 2,545 |
| Pretax return on assets | 1.0554% | 2,372 |
| Return on Equity (ROE) | 9.2000% | 2,408 |
| Retained earnings to average equity (ytd only) | 6.3552% | 1,687 |
| Net charge-offs to loans | 0.2099% | 679 |
| Credit loss provision to net charge-offs | 94.6683% | 1,983 |
| Earnings coverage of net charge-offs (x) | 7.1197% | 2,454 |
| Efficiency ratio | 69.3376% | 2,085 |
| Assets per employee ($millions) | 6.1427% | 2,767 |
| Cash dividends to net income (ytd only)* | 30.9098% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 2,307 |
| Loan loss allowance to noncurrent loans | 809.9730% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1169% | 2,895 |
| Noncurrent loans to loans | 0.1448% | 2,944 |
| Net loans and leases to total assets | 79.7800% | 682 |
| Net loans and leases to deposits | 96.0737% | 707 |
| Net loans and leases to core deposits | 101.4121% | 1,364 |
| Total domestic deposits to total assets | 83.0400% | 3,024 |
| Equity capital to assets | 9.3398% | 2,566 |
| Core capital (leverage) ratio | 9.5761% | 3,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $924,262,600 | 1,085 |
| Average earning assets | $871,946,800 | 1,060 |
| Average equity | $85,677,800 | 1,144 |
| Average total loans | $768,353,800 | 933 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6195% | 1,866 |
| Cost of funding earning assets | 1.8878% | 2,500 |
| Net interest margin | 3.7317% | 1,582 |
| Noninterest income to average assets | 0.5000% | 1,897 |
| Noninterest expense to average assets | 2.7691% | 1,520 |
| Loan and lease loss provision to assets | 0.1600% | 770 |
| Net operating income to assets | 0.8756% | 2,456 |
| Return on assets (ROA) | 0.8756% | 2,464 |
| Pretax return on assets | 1.0845% | 2,292 |
| Return on Equity (ROE) | 9.4600% | 2,327 |
| Retained earnings to average equity (ytd only) | 6.5938% | 1,876 |
| Net charge-offs to loans | 0.1841% | 633 |
| Credit loss provision to net charge-offs | 87.5589% | 1,803 |
| Earnings coverage of net charge-offs (x) | 8.0914% | 2,231 |
| Efficiency ratio | 68.9354% | 2,150 |
| Assets per employee ($millions) | 6.0600% | 2,819 |
| Cash dividends to net income (ytd only)* | 30.3287% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1843% | 2,295 |
| Loan loss allowance to noncurrent loans | 1,263.2394% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,181 |
| Noncurrent loans to loans | 0.0937% | 3,224 |
| Net loans and leases to total assets | 80.1900% | 603 |
| Net loans and leases to deposits | 97.4661% | 621 |
| Net loans and leases to core deposits | 102.9658% | 1,297 |
| Total domestic deposits to total assets | 82.2800% | 3,039 |
| Equity capital to assets | 9.4220% | 2,726 |
| Core capital (leverage) ratio | 9.4979% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $917,298,750 | 1,085 |
| Average earning assets | $865,677,750 | 1,060 |
| Average equity | $84,865,750 | 1,145 |
| Average total loans | $768,299,750 | 926 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 1,859 |
| Cost of funding earning assets | 1.8758% | 2,417 |
| Net interest margin | 3.6865% | 1,622 |
| Noninterest income to average assets | 0.4800% | 1,948 |
| Noninterest expense to average assets | 2.7976% | 1,469 |
| Loan and lease loss provision to assets | 0.1700% | 664 |
| Net operating income to assets | 0.7974% | 2,633 |
| Return on assets (ROA) | 0.7974% | 2,648 |
| Pretax return on assets | 0.9860% | 2,525 |
| Return on Equity (ROE) | 8.6700% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.7678% | 2,095 |
| Net charge-offs to loans | 0.2355% | 477 |
| Credit loss provision to net charge-offs | 77.4477% | 1,672 |
| Earnings coverage of net charge-offs (x) | 5.8196% | 2,191 |
| Efficiency ratio | 70.6876% | 2,027 |
| Assets per employee ($millions) | 5.8836% | 2,891 |
| Cash dividends to net income (ytd only)* | 33.4983% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1717% | 2,389 |
| Loan loss allowance to noncurrent loans | 825.2319% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 2,871 |
| Noncurrent loans to loans | 0.1420% | 2,939 |
| Net loans and leases to total assets | 81.7500% | 493 |
| Net loans and leases to deposits | 99.9769% | 553 |
| Net loans and leases to core deposits | 105.8462% | 1,164 |
| Total domestic deposits to total assets | 81.7700% | 3,134 |
| Equity capital to assets | 9.2898% | 2,538 |
| Core capital (leverage) ratio | 9.3419% | 3,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $911,985,667 | 1,092 |
| Average earning assets | $860,101,667 | 1,068 |
| Average equity | $83,844,333 | 1,151 |
| Average total loans | $771,949,333 | 920 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4364% | 1,934 |
| Cost of funding earning assets | 1.8291% | 2,419 |
| Net interest margin | 3.6073% | 1,720 |
| Noninterest income to average assets | 0.4600% | 1,966 |
| Noninterest expense to average assets | 2.8179% | 1,423 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 0.6107% | 3,123 |
| Return on assets (ROA) | 0.6107% | 3,147 |
| Pretax return on assets | 0.7498% | 3,042 |
| Return on Equity (ROE) | 6.6800% | 3,037 |
| Retained earnings to average equity (ytd only) | 3.7482% | 2,782 |
| Net charge-offs to loans | 0.4240% | 212 |
| Credit loss provision to net charge-offs | 77.5758% | 1,298 |
| Earnings coverage of net charge-offs (x) | 2.8776% | 1,967 |
| Efficiency ratio | 72.9551% | 1,852 |
| Assets per employee ($millions) | 5.8452% | 2,958 |
| Cash dividends to net income (ytd only)* | 43.8761% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 2,514 |
| Loan loss allowance to noncurrent loans | 1,206.4953% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0800% | 3,111 |
| Noncurrent loans to loans | 0.0958% | 3,121 |
| Net loans and leases to total assets | 82.5600% | 368 |
| Net loans and leases to deposits | 101.3113% | 422 |
| Net loans and leases to core deposits | 109.2912% | 972 |
| Total domestic deposits to total assets | 81.4900% | 3,286 |
| Equity capital to assets | 9.0385% | 2,652 |
| Core capital (leverage) ratio | 9.4354% | 3,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $909,056,000 | 1,101 |
| Average earning assets | $856,823,500 | 1,078 |
| Average equity | $83,133,500 | 1,152 |
| Average total loans | $778,291,500 | 916 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 1,640 |
| Cost of funding earning assets | 1.4846% | 1,979 |
| Net interest margin | 3.7247% | 1,709 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.7450% | 1,637 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.9040% | 2,539 |
| Return on assets (ROA) | 0.9040% | 2,512 |
| Pretax return on assets | 1.1209% | 2,351 |
| Return on Equity (ROE) | 10.1900% | 2,442 |
| Retained earnings to average equity (ytd only) | 7.1779% | 1,839 |
| Net charge-offs to loans | 0.1752% | 610 |
| Credit loss provision to net charge-offs | 100.0718% | 1,835 |
| Earnings coverage of net charge-offs (x) | 8.0811% | 2,366 |
| Efficiency ratio | 68.6435% | 2,040 |
| Assets per employee ($millions) | 5.6263% | 3,136 |
| Cash dividends to net income (ytd only)* | 29.5712% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1591% | 2,505 |
| Loan loss allowance to noncurrent loans | 1,267.5487% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 3,007 |
| Noncurrent loans to loans | 0.0914% | 3,085 |
| Net loans and leases to total assets | 86.7500% | 128 |
| Net loans and leases to deposits | 107.5394% | 248 |
| Net loans and leases to core deposits | 115.0559% | 778 |
| Total domestic deposits to total assets | 80.6700% | 3,360 |
| Equity capital to assets | 9.2550% | 2,509 |
| Core capital (leverage) ratio | 9.3909% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $897,750,000 | 1,087 |
| Average earning assets | $847,990,200 | 1,059 |
| Average equity | $79,633,800 | 1,135 |
| Average total loans | $795,132,600 | 866 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0890% | 1,652 |
| Cost of funding earning assets | 1.3841% | 1,907 |
| Net interest margin | 3.7048% | 1,765 |
| Noninterest income to average assets | 0.4800% | 2,060 |
| Noninterest expense to average assets | 2.7309% | 1,584 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 0.8847% | 2,734 |
| Return on assets (ROA) | 0.8847% | 2,721 |
| Pretax return on assets | 1.0924% | 2,585 |
| Return on Equity (ROE) | 10.0800% | 2,612 |
| Retained earnings to average equity (ytd only) | 7.0382% | 2,270 |
| Net charge-offs to loans | 0.1715% | 502 |
| Credit loss provision to net charge-offs | 93.6647% | 1,672 |
| Earnings coverage of net charge-offs (x) | 8.2193% | 2,205 |
| Efficiency ratio | 68.5770% | 1,954 |
| Assets per employee ($millions) | 5.6406% | 3,071 |
| Cash dividends to net income (ytd only)* | 30.1912% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 2,614 |
| Loan loss allowance to noncurrent loans | 893.6696% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 2,838 |
| Noncurrent loans to loans | 0.1287% | 2,907 |
| Net loans and leases to total assets | 84.9600% | 217 |
| Net loans and leases to deposits | 104.4719% | 338 |
| Net loans and leases to core deposits | 111.6697% | 810 |
| Total domestic deposits to total assets | 81.3200% | 3,334 |
| Equity capital to assets | 8.7909% | 2,543 |
| Core capital (leverage) ratio | 9.1499% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $898,543,250 | 1,091 |
| Average earning assets | $849,713,000 | 1,057 |
| Average equity | $78,844,000 | 1,139 |
| Average total loans | $797,618,500 | 866 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 1,613 |
| Cost of funding earning assets | 1.2561% | 1,835 |
| Net interest margin | 3.7109% | 1,797 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.7466% | 1,534 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 0.7960% | 3,096 |
| Return on assets (ROA) | 0.7960% | 3,099 |
| Pretax return on assets | 0.9811% | 2,969 |
| Return on Equity (ROE) | 9.0800% | 2,970 |
| Retained earnings to average equity (ytd only) | 6.0141% | 2,617 |
| Net charge-offs to loans | 0.1893% | 422 |
| Credit loss provision to net charge-offs | 140.4480% | 1,235 |
| Earnings coverage of net charge-offs (x) | 7.2780% | 2,092 |
| Efficiency ratio | 68.9558% | 1,870 |
| Assets per employee ($millions) | 5.6021% | 3,060 |
| Cash dividends to net income (ytd only)* | 33.7458% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 2,615 |
| Loan loss allowance to noncurrent loans | 990.2105% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,810 |
| Noncurrent loans to loans | 0.1178% | 2,889 |
| Net loans and leases to total assets | 87.2900% | 106 |
| Net loans and leases to deposits | 107.1064% | 273 |
| Net loans and leases to core deposits | 113.9600% | 685 |
| Total domestic deposits to total assets | 81.5000% | 3,339 |
| Equity capital to assets | 8.6549% | 2,747 |
| Core capital (leverage) ratio | 8.9839% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $893,463,667 | 1,088 |
| Average earning assets | $845,616,333 | 1,059 |
| Average equity | $78,348,667 | 1,142 |
| Average total loans | $801,700,667 | 846 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8186% | 1,584 |
| Cost of funding earning assets | 1.0489% | 1,886 |
| Net interest margin | 3.7697% | 1,752 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.7256% | 1,605 |
| Loan and lease loss provision to assets | 0.4100% | 197 |
| Net operating income to assets | 0.7270% | 3,405 |
| Return on assets (ROA) | 0.7270% | 3,363 |
| Pretax return on assets | 0.8940% | 3,253 |
| Return on Equity (ROE) | 8.2400% | 3,233 |
| Retained earnings to average equity (ytd only) | 5.1585% | 2,987 |
| Net charge-offs to loans | 0.2102% | 346 |
| Credit loss provision to net charge-offs | 180.0000% | 872 |
| Earnings coverage of net charge-offs (x) | 6.8595% | 1,774 |
| Efficiency ratio | 67.6365% | 2,019 |
| Assets per employee ($millions) | 5.5502% | 3,170 |
| Cash dividends to net income (ytd only)* | 37.3599% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,755 |
| Loan loss allowance to noncurrent loans | 925.0980% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1134% | 2,730 |
| Noncurrent loans to loans | 0.1257% | 2,886 |
| Net loans and leases to total assets | 89.2200% | 44 |
| Net loans and leases to deposits | 109.0972% | 200 |
| Net loans and leases to core deposits | 114.0555% | 580 |
| Total domestic deposits to total assets | 81.7800% | 3,515 |
| Equity capital to assets | 8.7295% | 2,715 |
| Core capital (leverage) ratio | 9.0222% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $883,623,500 | 1,115 |
| Average earning assets | $837,087,000 | 1,085 |
| Average equity | $78,007,000 | 1,152 |
| Average total loans | $799,319,000 | 861 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1027% | 1,472 |
| Cost of funding earning assets | 0.3834% | 2,234 |
| Net interest margin | 3.7193% | 1,334 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.6872% | 1,585 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 0.9878% | 2,615 |
| Return on assets (ROA) | 0.9878% | 2,564 |
| Pretax return on assets | 1.2146% | 2,390 |
| Return on Equity (ROE) | 11.4600% | 2,317 |
| Retained earnings to average equity (ytd only) | 11.4631% | 790 |
| Net charge-offs to loans | 0.0416% | 1,283 |
| Credit loss provision to net charge-offs | 387.0968% | 790 |
| Earnings coverage of net charge-offs (x) | 37.1161% | 1,551 |
| Efficiency ratio | 66.4626% | 2,152 |
| Assets per employee ($millions) | 5.3920% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 2,529 |
| Loan loss allowance to noncurrent loans | 830.2976% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 2,631 |
| Noncurrent loans to loans | 0.1409% | 2,804 |
| Net loans and leases to total assets | 89.5900% | 43 |
| Net loans and leases to deposits | 104.7665% | 271 |
| Net loans and leases to core deposits | 108.9603% | 640 |
| Total domestic deposits to total assets | 85.5200% | 2,851 |
| Equity capital to assets | 8.9302% | 2,401 |
| Core capital (leverage) ratio | 9.1920% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $848,535,600 | 1,135 |
| Average earning assets | $805,258,600 | 1,105 |
| Average equity | $73,121,600 | 1,209 |
| Average total loans | $745,806,800 | 864 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 1,365 |
| Cost of funding earning assets | 0.3002% | 2,167 |
| Net interest margin | 3.6471% | 1,280 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.6298% | 1,646 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.9601% | 2,620 |
| Return on assets (ROA) | 0.9601% | 2,597 |
| Pretax return on assets | 1.1790% | 2,454 |
| Return on Equity (ROE) | 11.2500% | 2,284 |
| Retained earnings to average equity (ytd only) | 11.2464% | 987 |
| Net charge-offs to loans | 0.0352% | 1,157 |
| Credit loss provision to net charge-offs | 571.1340% | 568 |
| Earnings coverage of net charge-offs (x) | 44.1649% | 1,343 |
| Efficiency ratio | 66.0108% | 2,279 |
| Assets per employee ($millions) | 5.2803% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,521 |
| Loan loss allowance to noncurrent loans | 992.6882% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,875 |
| Noncurrent loans to loans | 0.1210% | 3,039 |
| Net loans and leases to total assets | 88.7800% | 43 |
| Net loans and leases to deposits | 102.2262% | 297 |
| Net loans and leases to core deposits | 105.6611% | 596 |
| Total domestic deposits to total assets | 86.8500% | 2,812 |
| Equity capital to assets | 8.7670% | 2,365 |
| Core capital (leverage) ratio | 9.1013% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $843,641,250 | 1,150 |
| Average earning assets | $800,805,250 | 1,114 |
| Average equity | $72,021,000 | 1,238 |
| Average total loans | $735,518,000 | 867 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 1,406 |
| Cost of funding earning assets | 0.2618% | 2,121 |
| Net interest margin | 3.4945% | 1,327 |
| Noninterest income to average assets | 0.4625% | 2,386 |
| Noninterest expense to average assets | 2.5916% | 1,659 |
| Loan and lease loss provision to assets | 0.1715% | 524 |
| Net operating income to assets | 0.8205% | 2,887 |
| Return on assets (ROA) | 0.8205% | 2,859 |
| Pretax return on assets | 1.0158% | 2,665 |
| Return on Equity (ROE) | 9.7001% | 2,451 |
| Retained earnings to average equity (ytd only) | 9.7001% | 1,101 |
| Net charge-offs to loans | 0.0215% | 1,297 |
| Credit loss provision to net charge-offs | 923.0769% | 428 |
| Earnings coverage of net charge-offs (x) | 63.9103% | 1,049 |
| Efficiency ratio | 68.5806% | 2,163 |
| Assets per employee ($millions) | 5.2028% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,720 |
| Loan loss allowance to noncurrent loans | 612.0219% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 2,483 |
| Noncurrent loans to loans | 0.1948% | 2,731 |
| Net loans and leases to total assets | 88.6479% | 34 |
| Net loans and leases to deposits | 99.4036% | 298 |
| Net loans and leases to core deposits | 102.5478% | 568 |
| Total domestic deposits to total assets | 89.1798% | 2,097 |
| Equity capital to assets | 8.6144% | 2,680 |
| Core capital (leverage) ratio | 8.7083% | 3,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $839,718,667 | 1,148 |
| Average earning assets | $796,902,667 | 1,129 |
| Average equity | $71,030,000 | 1,278 |
| Average total loans | $724,455,667 | 864 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5942% | 1,519 |
| Cost of funding earning assets | 0.2641% | 1,990 |
| Net interest margin | 3.3301% | 1,498 |
| Noninterest income to average assets | 0.4268% | 2,518 |
| Noninterest expense to average assets | 2.5548% | 1,735 |
| Loan and lease loss provision to assets | 0.1760% | 435 |
| Net operating income to assets | 0.6946% | 3,080 |
| Return on assets (ROA) | 0.6946% | 3,070 |
| Pretax return on assets | 0.8568% | 2,918 |
| Return on Equity (ROE) | 8.2877% | 2,585 |
| Retained earnings to average equity (ytd only) | 8.2877% | 1,488 |
| Net charge-offs to loans | 0.0501% | 790 |
| Credit loss provision to net charge-offs | 415.7303% | 577 |
| Earnings coverage of net charge-offs (x) | 24.3933% | 1,214 |
| Efficiency ratio | 71.2107% | 2,080 |
| Assets per employee ($millions) | 5.3730% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 2,908 |
| Loan loss allowance to noncurrent loans | 498.4928% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 2,410 |
| Noncurrent loans to loans | 0.2387% | 2,640 |
| Net loans and leases to total assets | 84.1256% | 84 |
| Net loans and leases to deposits | 94.7902% | 324 |
| Net loans and leases to core deposits | 97.5328% | 592 |
| Total domestic deposits to total assets | 88.7493% | 2,189 |
| Equity capital to assets | 8.3289% | 3,304 |
| Core capital (leverage) ratio | 8.5616% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $840,756,000 | 1,149 |
| Average earning assets | $798,060,000 | 1,128 |
| Average equity | $70,466,000 | 1,325 |
| Average total loans | $710,926,500 | 869 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 1,487 |
| Cost of funding earning assets | 0.3703% | 1,752 |
| Net interest margin | 3.5809% | 1,518 |
| Noninterest income to average assets | 0.5391% | 2,403 |
| Noninterest expense to average assets | 2.7976% | 1,368 |
| Loan and lease loss provision to assets | 0.1183% | 1,063 |
| Net operating income to assets | 0.8142% | 3,290 |
| Return on assets (ROA) | 0.8142% | 3,359 |
| Pretax return on assets | 1.0031% | 3,251 |
| Return on Equity (ROE) | 9.8980% | 2,558 |
| Retained earnings to average equity (ytd only) | 6.6831% | 2,045 |
| Net charge-offs to loans | 0.0432% | 1,415 |
| Credit loss provision to net charge-offs | 319.4539% | 1,029 |
| Earnings coverage of net charge-offs (x) | 30.2901% | 1,601 |
| Efficiency ratio | 71.3867% | 1,574 |
| Assets per employee ($millions) | 5.1713% | 3,578 |
| Cash dividends to net income (ytd only)* | 32.4798% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 2,929 |
| Loan loss allowance to noncurrent loans | 626.8274% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 2,826 |
| Noncurrent loans to loans | 0.1898% | 2,997 |
| Net loans and leases to total assets | 82.9670% | 150 |
| Net loans and leases to deposits | 94.5404% | 367 |
| Net loans and leases to core deposits | 97.8673% | 622 |
| Total domestic deposits to total assets | 87.7582% | 2,169 |
| Equity capital to assets | 8.4347% | 4,091 |
| Core capital (leverage) ratio | 8.5705% | 3,850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,472,000 | 1,172 |
| Average earning assets | $747,019,800 | 1,159 |
| Average equity | $65,104,200 | 1,424 |
| Average total loans | $678,628,800 | 902 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 1,655 |
| Cost of funding earning assets | 0.3877% | 1,797 |
| Net interest margin | 3.5565% | 1,707 |
| Noninterest income to average assets | 0.5480% | 2,415 |
| Noninterest expense to average assets | 2.7782% | 1,393 |
| Loan and lease loss provision to assets | 0.1105% | 1,096 |
| Net operating income to assets | 0.8226% | 3,462 |
| Return on assets (ROA) | 0.8226% | 3,534 |
| Pretax return on assets | 1.0112% | 3,421 |
| Return on Equity (ROE) | 10.0691% | 2,714 |
| Retained earnings to average equity (ytd only) | 6.8687% | 2,468 |
| Net charge-offs to loans | 0.0416% | 1,266 |
| Credit loss provision to net charge-offs | 308.0952% | 989 |
| Earnings coverage of net charge-offs (x) | 31.2952% | 1,502 |
| Efficiency ratio | 71.2385% | 1,469 |
| Assets per employee ($millions) | 4.9993% | 3,697 |
| Cash dividends to net income (ytd only)* | 31.7842% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 3,168 |
| Loan loss allowance to noncurrent loans | 431.0308% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 2,601 |
| Noncurrent loans to loans | 0.2690% | 2,842 |
| Net loans and leases to total assets | 86.4654% | 60 |
| Net loans and leases to deposits | 98.7699% | 255 |
| Net loans and leases to core deposits | 101.9672% | 525 |
| Total domestic deposits to total assets | 87.5423% | 2,089 |
| Equity capital to assets | 8.1874% | 4,416 |
| Core capital (leverage) ratio | 8.2139% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3488% | 3,056 |
| Memoranda: | ||
| Average total assets | $781,195,750 | 1,191 |
| Average earning assets | $736,250,750 | 1,181 |
| Average equity | $63,824,000 | 1,460 |
| Average total loans | $673,515,500 | 929 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9306% | 1,743 |
| Cost of funding earning assets | 0.4047% | 1,847 |
| Net interest margin | 3.5259% | 1,785 |
| Noninterest income to average assets | 0.5314% | 2,483 |
| Noninterest expense to average assets | 2.7361% | 1,490 |
| Loan and lease loss provision to assets | 0.1280% | 980 |
| Net operating income to assets | 0.8153% | 3,464 |
| Return on assets (ROA) | 0.8153% | 3,537 |
| Pretax return on assets | 0.9882% | 3,471 |
| Return on Equity (ROE) | 9.9860% | 2,742 |
| Retained earnings to average equity (ytd only) | 6.7585% | 2,518 |
| Net charge-offs to loans | 0.0554% | 1,070 |
| Credit loss provision to net charge-offs | 269.5652% | 939 |
| Earnings coverage of net charge-offs (x) | 23.5054% | 1,463 |
| Efficiency ratio | 71.0257% | 1,524 |
| Assets per employee ($millions) | 5.0315% | 3,639 |
| Cash dividends to net income (ytd only)* | 32.3204% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,143 |
| Loan loss allowance to noncurrent loans | 273.5868% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 2,149 |
| Noncurrent loans to loans | 0.4240% | 2,409 |
| Net loans and leases to total assets | 85.0580% | 105 |
| Net loans and leases to deposits | 96.9322% | 354 |
| Net loans and leases to core deposits | 100.0718% | 657 |
| Total domestic deposits to total assets | 87.7500% | 1,960 |
| Equity capital to assets | 8.0492% | 4,504 |
| Core capital (leverage) ratio | 8.1566% | 4,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $774,965,000 | 1,193 |
| Average earning assets | $729,910,333 | 1,184 |
| Average equity | $63,268,667 | 1,459 |
| Average total loans | $664,774,667 | 934 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 1,657 |
| Cost of funding earning assets | 0.4147% | 1,979 |
| Net interest margin | 3.5555% | 1,689 |
| Noninterest income to average assets | 0.5152% | 2,545 |
| Noninterest expense to average assets | 2.8157% | 1,333 |
| Loan and lease loss provision to assets | 0.1679% | 741 |
| Net operating income to assets | 0.7355% | 3,613 |
| Return on assets (ROA) | 0.7355% | 3,683 |
| Pretax return on assets | 0.8693% | 3,673 |
| Return on Equity (ROE) | 8.9433% | 3,050 |
| Retained earnings to average equity (ytd only) | 5.6900% | 3,006 |
| Net charge-offs to loans | 0.0925% | 727 |
| Credit loss provision to net charge-offs | 211.9205% | 874 |
| Earnings coverage of net charge-offs (x) | 13.0927% | 1,410 |
| Efficiency ratio | 73.0801% | 1,396 |
| Assets per employee ($millions) | 4.6917% | 3,937 |
| Cash dividends to net income (ytd only)* | 36.3766% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,148 |
| Loan loss allowance to noncurrent loans | 323.5561% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3131% | 2,577 |
| Noncurrent loans to loans | 0.3585% | 2,795 |
| Net loans and leases to total assets | 86.3231% | 83 |
| Net loans and leases to deposits | 99.1256% | 315 |
| Net loans and leases to core deposits | 102.6146% | 616 |
| Total domestic deposits to total assets | 87.0846% | 2,279 |
| Equity capital to assets | 8.1447% | 4,401 |
| Core capital (leverage) ratio | 8.3901% | 4,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $762,444,000 | 1,195 |
| Average earning assets | $715,744,500 | 1,188 |
| Average equity | $62,706,000 | 1,459 |
| Average total loans | $652,934,000 | 944 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1016% | 2,419 |
| Cost of funding earning assets | 0.6519% | 1,980 |
| Net interest margin | 3.4497% | 2,628 |
| Noninterest income to average assets | 0.6250% | 2,120 |
| Noninterest expense to average assets | 2.6789% | 2,298 |
| Loan and lease loss provision to assets | 0.2925% | 1,297 |
| Net operating income to assets | 0.7361% | 3,314 |
| Return on assets (ROA) | 0.7361% | 3,434 |
| Pretax return on assets | 0.8886% | 3,399 |
| Return on Equity (ROE) | 8.4736% | 2,614 |
| Retained earnings to average equity (ytd only) | 5.2492% | 2,163 |
| Net charge-offs to loans | 0.0881% | 1,580 |
| Credit loss provision to net charge-offs | 393.0097% | 1,452 |
| Earnings coverage of net charge-offs (x) | 15.8680% | 2,155 |
| Efficiency ratio | 69.4013% | 2,036 |
| Assets per employee ($millions) | 4.6343% | 3,777 |
| Cash dividends to net income (ytd only)* | 38.0522% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 2,850 |
| Loan loss allowance to noncurrent loans | 297.7114% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3434% | 2,617 |
| Noncurrent loans to loans | 0.4094% | 2,749 |
| Net loans and leases to total assets | 82.8625% | 239 |
| Net loans and leases to deposits | 95.9665% | 552 |
| Net loans and leases to core deposits | 99.6859% | 914 |
| Total domestic deposits to total assets | 86.3452% | 2,210 |
| Equity capital to assets | 8.3064% | 4,569 |
| Core capital (leverage) ratio | 8.4577% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $691,887,200 | 1,194 |
| Average earning assets | $648,843,200 | 1,183 |
| Average equity | $60,104,600 | 1,442 |
| Average total loans | $584,309,200 | 1,001 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,582 |
| Cost of funding earning assets | 0.7159% | 1,927 |
| Net interest margin | 3.4163% | 2,863 |
| Noninterest income to average assets | 0.5696% | 2,309 |
| Noninterest expense to average assets | 2.6476% | 2,391 |
| Loan and lease loss provision to assets | 0.4015% | 875 |
| Net operating income to assets | 0.6031% | 3,755 |
| Return on assets (ROA) | 0.6031% | 3,856 |
| Pretax return on assets | 0.7256% | 3,843 |
| Return on Equity (ROE) | 6.8590% | 3,253 |
| Retained earnings to average equity (ytd only) | 3.6053% | 3,252 |
| Net charge-offs to loans | 0.0768% | 1,543 |
| Credit loss provision to net charge-offs | 617.8788% | 1,149 |
| Earnings coverage of net charge-offs (x) | 17.3455% | 2,021 |
| Efficiency ratio | 70.1424% | 1,863 |
| Assets per employee ($millions) | 4.5636% | 3,765 |
| Cash dividends to net income (ytd only)* | 47.4372% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,230 |
| Loan loss allowance to noncurrent loans | 263.3779% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 2,458 |
| Noncurrent loans to loans | 0.4874% | 2,603 |
| Net loans and leases to total assets | 83.9858% | 278 |
| Net loans and leases to deposits | 97.7840% | 637 |
| Net loans and leases to core deposits | 101.7110% | 1,046 |
| Total domestic deposits to total assets | 85.8892% | 2,117 |
| Equity capital to assets | 8.4431% | 4,491 |
| Core capital (leverage) ratio | 8.4425% | 4,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $677,169,750 | 1,195 |
| Average earning assets | $635,295,250 | 1,186 |
| Average equity | $59,540,500 | 1,444 |
| Average total loans | $572,943,750 | 1,015 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2216% | 2,687 |
| Cost of funding earning assets | 0.7948% | 1,852 |
| Net interest margin | 3.4268% | 3,015 |
| Noninterest income to average assets | 0.5077% | 2,531 |
| Noninterest expense to average assets | 2.6860% | 2,428 |
| Loan and lease loss provision to assets | 0.5280% | 650 |
| Net operating income to assets | 0.4190% | 4,192 |
| Return on assets (ROA) | 0.4190% | 4,253 |
| Pretax return on assets | 0.5071% | 4,237 |
| Return on Equity (ROE) | 4.6976% | 3,916 |
| Retained earnings to average equity (ytd only) | 1.4215% | 3,965 |
| Net charge-offs to loans | 0.1266% | 1,081 |
| Credit loss provision to net charge-offs | 494.0678% | 1,246 |
| Earnings coverage of net charge-offs (x) | 9.6864% | 2,202 |
| Efficiency ratio | 72.1830% | 1,654 |
| Assets per employee ($millions) | 4.4078% | 3,905 |
| Cash dividends to net income (ytd only)* | 69.7406% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2960% | 2,022 |
| Loan loss allowance to noncurrent loans | 236.0599% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 2,452 |
| Noncurrent loans to loans | 0.5490% | 2,523 |
| Net loans and leases to total assets | 81.1465% | 489 |
| Net loans and leases to deposits | 94.4615% | 915 |
| Net loans and leases to core deposits | 98.6116% | 1,362 |
| Total domestic deposits to total assets | 85.9043% | 2,055 |
| Equity capital to assets | 8.3993% | 4,535 |
| Core capital (leverage) ratio | 8.6478% | 4,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $662,543,333 | 1,197 |
| Average earning assets | $621,283,000 | 1,189 |
| Average equity | $59,094,333 | 1,440 |
| Average total loans | $559,440,333 | 1,023 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4225% | 2,533 |
| Cost of funding earning assets | 0.8834% | 1,954 |
| Net interest margin | 3.5391% | 2,852 |
| Noninterest income to average assets | 0.5628% | 2,218 |
| Noninterest expense to average assets | 2.8702% | 2,212 |
| Loan and lease loss provision to assets | 0.4407% | 688 |
| Net operating income to assets | 0.4833% | 3,937 |
| Return on assets (ROA) | 0.4833% | 3,991 |
| Pretax return on assets | 0.5696% | 3,982 |
| Return on Equity (ROE) | 5.2483% | 3,553 |
| Retained earnings to average equity (ytd only) | 1.9579% | 3,455 |
| Net charge-offs to loans | 0.1900% | 716 |
| Credit loss provision to net charge-offs | 270.7692% | 1,244 |
| Earnings coverage of net charge-offs (x) | 6.2077% | 2,000 |
| Efficiency ratio | 73.9635% | 1,824 |
| Assets per employee ($millions) | 4.1789% | 3,685 |
| Cash dividends to net income (ytd only)* | 62.6943% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 2,727 |
| Loan loss allowance to noncurrent loans | 231.8835% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 2,646 |
| Noncurrent loans to loans | 0.5130% | 2,730 |
| Net loans and leases to total assets | 84.2336% | 250 |
| Net loans and leases to deposits | 101.2675% | 478 |
| Net loans and leases to core deposits | 105.5678% | 1,086 |
| Total domestic deposits to total assets | 83.1793% | 3,049 |
| Equity capital to assets | 9.0975% | 4,537 |
| Core capital (leverage) ratio | 9.3800% | 4,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $638,989,500 | 1,200 |
| Average earning assets | $599,027,000 | 1,189 |
| Average equity | $58,838,500 | 1,441 |
| Average total loans | $547,451,500 | 1,014 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 2,262 |
| Cost of funding earning assets | 1.0397% | 1,560 |
| Net interest margin | 3.6821% | 2,860 |
| Noninterest income to average assets | 0.6343% | 2,074 |
| Noninterest expense to average assets | 2.8603% | 2,410 |
| Loan and lease loss provision to assets | 0.1704% | 1,224 |
| Net operating income to assets | 0.8680% | 3,324 |
| Return on assets (ROA) | 0.8721% | 3,402 |
| Pretax return on assets | 1.0527% | 3,321 |
| Return on Equity (ROE) | 9.6236% | 2,464 |
| Retained earnings to average equity (ytd only) | 6.3308% | 1,702 |
| Net charge-offs to loans | 0.1415% | 1,380 |
| Credit loss provision to net charge-offs | 142.1981% | 1,815 |
| Earnings coverage of net charge-offs (x) | 10.1655% | 2,595 |
| Efficiency ratio | 70.1300% | 2,152 |
| Assets per employee ($millions) | 4.0782% | 3,814 |
| Cash dividends to net income (ytd only)* | 34.2159% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,730 |
| Loan loss allowance to noncurrent loans | 229.4271% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 2,570 |
| Noncurrent loans to loans | 0.4986% | 2,689 |
| Net loans and leases to total assets | 84.8657% | 250 |
| Net loans and leases to deposits | 99.0077% | 668 |
| Net loans and leases to core deposits | 103.4717% | 1,274 |
| Total domestic deposits to total assets | 85.7163% | 2,184 |
| Equity capital to assets | 9.1763% | 4,588 |
| Core capital (leverage) ratio | 9.1347% | 4,419 |
| Tier 1 risk-based capital ratio | 10.8323% | 4,916 |
| Total risk-based capital ratio | 12.5715% | 4,609 |
| Memoranda: | ||
| Average total assets | $614,977,000 | 1,201 |
| Average earning assets | $575,249,000 | 1,195 |
| Average equity | $55,727,400 | 1,451 |
| Average total loans | $520,963,000 | 1,037 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 2,495 |
| Cost of funding earning assets | 1.0333% | 1,616 |
| Net interest margin | 3.6393% | 3,134 |
| Noninterest income to average assets | 0.6378% | 2,039 |
| Noninterest expense to average assets | 2.8089% | 2,538 |
| Loan and lease loss provision to assets | 0.1831% | 992 |
| Net operating income to assets | 0.8710% | 3,446 |
| Return on assets (ROA) | 0.8764% | 3,509 |
| Pretax return on assets | 1.0562% | 3,427 |
| Return on Equity (ROE) | 9.7033% | 2,569 |
| Retained earnings to average equity (ytd only) | 6.3852% | 2,178 |
| Net charge-offs to loans | 0.1722% | 986 |
| Credit loss provision to net charge-offs | 125.9370% | 1,871 |
| Earnings coverage of net charge-offs (x) | 8.4798% | 2,650 |
| Efficiency ratio | 69.4979% | 2,191 |
| Assets per employee ($millions) | 4.0413% | 3,847 |
| Cash dividends to net income (ytd only)* | 34.1955% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 2,842 |
| Loan loss allowance to noncurrent loans | 195.4604% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5157% | 2,467 |
| Noncurrent loans to loans | 0.5817% | 2,543 |
| Net loans and leases to total assets | 83.1329% | 434 |
| Net loans and leases to deposits | 98.5093% | 765 |
| Net loans and leases to core deposits | 103.2477% | 1,392 |
| Total domestic deposits to total assets | 84.3909% | 2,680 |
| Equity capital to assets | 9.0160% | 4,772 |
| Core capital (leverage) ratio | 9.1268% | 4,537 |
| Tier 1 risk-based capital ratio | 10.6935% | 5,020 |
| Total risk-based capital ratio | 12.3947% | 4,731 |
| Memoranda: | ||
| Average total assets | $611,710,500 | 1,207 |
| Average earning assets | $572,149,500 | 1,202 |
| Average equity | $55,251,500 | 1,466 |
| Average total loans | $516,413,750 | 1,049 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6410% | 2,541 |
| Cost of funding earning assets | 1.0100% | 1,648 |
| Net interest margin | 3.6310% | 3,159 |
| Noninterest income to average assets | 0.6507% | 1,913 |
| Noninterest expense to average assets | 2.8289% | 2,488 |
| Loan and lease loss provision to assets | 0.1371% | 1,351 |
| Net operating income to assets | 0.9012% | 3,276 |
| Return on assets (ROA) | 0.9094% | 3,306 |
| Pretax return on assets | 1.0911% | 3,261 |
| Return on Equity (ROE) | 10.0618% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.7140% | 1,944 |
| Net charge-offs to loans | 0.1364% | 1,107 |
| Credit loss provision to net charge-offs | 118.9112% | 1,752 |
| Earnings coverage of net charge-offs (x) | 10.5673% | 2,257 |
| Efficiency ratio | 69.8988% | 2,238 |
| Assets per employee ($millions) | 4.0539% | 3,800 |
| Cash dividends to net income (ytd only)* | 33.2728% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,841 |
| Loan loss allowance to noncurrent loans | 161.8644% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,155 |
| Noncurrent loans to loans | 0.7046% | 2,215 |
| Net loans and leases to total assets | 82.7447% | 509 |
| Net loans and leases to deposits | 98.1692% | 824 |
| Net loans and leases to core deposits | 102.9388% | 1,473 |
| Total domestic deposits to total assets | 84.2878% | 2,760 |
| Equity capital to assets | 9.0026% | 4,795 |
| Core capital (leverage) ratio | 9.1610% | 4,501 |
| Tier 1 risk-based capital ratio | 10.6524% | 5,053 |
| Total risk-based capital ratio | 12.3523% | 4,777 |
| Memoranda: | ||
| Average total assets | $605,465,670 | 1,218 |
| Average earning assets | $566,347,000 | 1,211 |
| Average equity | $54,721,670 | 1,463 |
| Average total loans | $511,840,000 | 1,053 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5665% | 2,645 |
| Cost of funding earning assets | 0.9775% | 1,664 |
| Net interest margin | 3.5890% | 3,291 |
| Noninterest income to average assets | 0.6113% | 1,996 |
| Noninterest expense to average assets | 2.8699% | 2,357 |
| Loan and lease loss provision to assets | 0.1070% | 1,665 |
| Net operating income to assets | 0.8226% | 3,539 |
| Return on assets (ROA) | 0.8226% | 3,579 |
| Pretax return on assets | 0.9912% | 3,469 |
| Return on Equity (ROE) | 9.0836% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.7013% | 2,592 |
| Net charge-offs to loans | 0.1795% | 766 |
| Credit loss provision to net charge-offs | 70.1754% | 1,849 |
| Earnings coverage of net charge-offs (x) | 7.2018% | 2,148 |
| Efficiency ratio | 72.3243% | 1,983 |
| Assets per employee ($millions) | 4.1042% | 3,767 |
| Cash dividends to net income (ytd only)* | 37.2358% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 2,879 |
| Loan loss allowance to noncurrent loans | 119.0741% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 1,699 |
| Noncurrent loans to loans | 0.9623% | 1,733 |
| Net loans and leases to total assets | 82.1950% | 569 |
| Net loans and leases to deposits | 96.7368% | 910 |
| Net loans and leases to core deposits | 101.3534% | 1,511 |
| Total domestic deposits to total assets | 84.9677% | 2,690 |
| Equity capital to assets | 8.9598% | 4,711 |
| Core capital (leverage) ratio | 9.2065% | 4,465 |
| Tier 1 risk-based capital ratio | 10.7883% | 5,073 |
| Total risk-based capital ratio | 12.5172% | 4,764 |
| Memoranda: | ||
| Average total assets | $598,076,500 | 1,231 |
| Average earning assets | $559,377,500 | 1,223 |
| Average equity | $54,163,500 | 1,465 |
| Average total loans | $508,190,000 | 1,057 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4630% | 2,569 |
| Cost of funding earning assets | 0.8234% | 1,423 |
| Net interest margin | 3.6396% | 3,254 |
| Noninterest income to average assets | 0.5866% | 2,368 |
| Noninterest expense to average assets | 2.8579% | 2,492 |
| Loan and lease loss provision to assets | 0.1475% | 1,446 |
| Net operating income to assets | 0.8349% | 3,675 |
| Return on assets (ROA) | 0.8349% | 3,671 |
| Pretax return on assets | 0.9959% | 3,618 |
| Return on Equity (ROE) | 9.5427% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.2220% | 2,079 |
| Net charge-offs to loans | 0.1695% | 1,133 |
| Credit loss provision to net charge-offs | 100.2342% | 2,507 |
| Earnings coverage of net charge-offs (x) | 7.7693% | 2,960 |
| Efficiency ratio | 71.4243% | 1,978 |
| Assets per employee ($millions) | 3.8989% | 4,037 |
| Cash dividends to net income (ytd only)* | 34.7988% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 2,856 |
| Loan loss allowance to noncurrent loans | 120.8961% | 3,103 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 1,553 |
| Noncurrent loans to loans | 0.9472% | 1,703 |
| Net loans and leases to total assets | 85.8572% | 239 |
| Net loans and leases to deposits | 100.5999% | 699 |
| Net loans and leases to core deposits | 105.2743% | 1,318 |
| Total domestic deposits to total assets | 85.3452% | 2,485 |
| Equity capital to assets | 9.1558% | 4,443 |
| Core capital (leverage) ratio | 9.4104% | 4,226 |
| Tier 1 risk-based capital ratio | 10.7483% | 5,096 |
| Total risk-based capital ratio | 12.4959% | 4,758 |
| Memoranda: | ||
| Average total assets | $580,288,400 | 1,236 |
| Average earning assets | $544,429,400 | 1,225 |
| Average equity | $50,771,800 | 1,500 |
| Average total loans | $503,704,800 | 1,040 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,584 |
| Cost of funding earning assets | 0.7896% | 1,384 |
| Net interest margin | 3.6237% | 3,292 |
| Noninterest income to average assets | 0.6040% | 2,284 |
| Noninterest expense to average assets | 2.8286% | 2,538 |
| Loan and lease loss provision to assets | 0.1213% | 1,663 |
| Net operating income to assets | 0.8818% | 3,618 |
| Return on assets (ROA) | 0.8818% | 3,619 |
| Pretax return on assets | 1.0543% | 3,560 |
| Return on Equity (ROE) | 10.1993% | 2,530 |
| Retained earnings to average equity (ytd only) | 6.8360% | 2,214 |
| Net charge-offs to loans | 0.1313% | 1,226 |
| Credit loss provision to net charge-offs | 106.4777% | 2,172 |
| Earnings coverage of net charge-offs (x) | 10.3198% | 2,594 |
| Efficiency ratio | 70.6404% | 2,098 |
| Assets per employee ($millions) | 3.7803% | 4,202 |
| Cash dividends to net income (ytd only)* | 32.9759% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1720% | 2,783 |
| Loan loss allowance to noncurrent loans | 137.2522% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8084% | 1,825 |
| Noncurrent loans to loans | 0.8539% | 1,992 |
| Net loans and leases to total assets | 86.3479% | 233 |
| Net loans and leases to deposits | 103.5593% | 572 |
| Net loans and leases to core deposits | 108.3642% | 1,144 |
| Total domestic deposits to total assets | 83.3802% | 3,171 |
| Equity capital to assets | 8.9816% | 4,564 |
| Core capital (leverage) ratio | 9.1401% | 4,575 |
| Tier 1 risk-based capital ratio | 10.6534% | 5,191 |
| Total risk-based capital ratio | 12.4459% | 4,850 |
| Memoranda: | ||
| Average total assets | $578,178,250 | 1,242 |
| Average earning assets | $542,528,500 | 1,234 |
| Average equity | $49,989,000 | 1,526 |
| Average total loans | $501,800,750 | 1,040 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3331% | 2,652 |
| Cost of funding earning assets | 0.7460% | 1,387 |
| Net interest margin | 3.5871% | 3,366 |
| Noninterest income to average assets | 0.5868% | 2,397 |
| Noninterest expense to average assets | 2.7706% | 2,761 |
| Loan and lease loss provision to assets | 0.1056% | 1,848 |
| Net operating income to assets | 0.8989% | 3,457 |
| Return on assets (ROA) | 0.8989% | 3,467 |
| Pretax return on assets | 1.0753% | 3,409 |
| Return on Equity (ROE) | 10.5321% | 2,318 |
| Retained earnings to average equity (ytd only) | 7.1346% | 2,010 |
| Net charge-offs to loans | 0.1068% | 1,299 |
| Credit loss provision to net charge-offs | 114.1791% | 1,846 |
| Earnings coverage of net charge-offs (x) | 12.7649% | 2,184 |
| Efficiency ratio | 70.1144% | 2,292 |
| Assets per employee ($millions) | 3.9991% | 3,902 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,950 |
| Loan loss allowance to noncurrent loans | 124.0733% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.8599% | 1,736 |
| Noncurrent loans to loans | 0.9320% | 1,862 |
| Net loans and leases to total assets | 85.6549% | 289 |
| Net loans and leases to deposits | 103.8928% | 533 |
| Net loans and leases to core deposits | 110.2276% | 982 |
| Total domestic deposits to total assets | 82.4455% | 3,580 |
| Equity capital to assets | 8.5541% | 4,905 |
| Core capital (leverage) ratio | 8.9159% | 4,756 |
| Tier 1 risk-based capital ratio | 10.2863% | 5,344 |
| Total risk-based capital ratio | 12.0666% | 5,035 |
| Memoranda: | ||
| Average total assets | $579,368,000 | 1,245 |
| Average earning assets | $543,448,670 | 1,233 |
| Average equity | $49,449,000 | 1,544 |
| Average total loans | $501,718,670 | 1,042 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 2,961 |
| Cost of funding earning assets | 0.7619% | 1,134 |
| Net interest margin | 3.4144% | 3,837 |
| Noninterest income to average assets | 0.5481% | 2,527 |
| Noninterest expense to average assets | 2.7702% | 2,806 |
| Loan and lease loss provision to assets | 0.0285% | 3,141 |
| Net operating income to assets | 0.7908% | 3,743 |
| Return on assets (ROA) | 0.7908% | 3,747 |
| Pretax return on assets | 0.9535% | 3,694 |
| Return on Equity (ROE) | 9.2759% | 2,779 |
| Retained earnings to average equity (ytd only) | 5.8494% | 2,780 |
| Net charge-offs to loans | 0.1872% | 783 |
| Credit loss provision to net charge-offs | 17.5966% | 2,137 |
| Earnings coverage of net charge-offs (x) | 6.0601% | 2,185 |
| Efficiency ratio | 73.8276% | 1,920 |
| Assets per employee ($millions) | 3.9630% | 4,037 |
| Cash dividends to net income (ytd only)* | 36.9393% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1353% | 3,173 |
| Loan loss allowance to noncurrent loans | 114.3405% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 1,654 |
| Noncurrent loans to loans | 0.9929% | 1,838 |
| Net loans and leases to total assets | 85.7920% | 276 |
| Net loans and leases to deposits | 103.4094% | 514 |
| Net loans and leases to core deposits | 115.7070% | 736 |
| Total domestic deposits to total assets | 82.9634% | 3,679 |
| Equity capital to assets | 8.5672% | 4,929 |
| Core capital (leverage) ratio | 8.8291% | 4,864 |
| Tier 1 risk-based capital ratio | 10.1547% | 5,459 |
| Total risk-based capital ratio | 11.9047% | 5,202 |
| Memoranda: | ||
| Average total assets | $575,121,500 | 1,260 |
| Average earning assets | $539,710,500 | 1,247 |
| Average equity | $49,030,500 | 1,560 |
| Average total loans | $497,866,500 | 1,054 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 3,135 |
| Cost of funding earning assets | 0.5647% | 1,857 |
| Net interest margin | 3.5140% | 3,482 |
| Noninterest income to average assets | 0.6994% | 1,969 |
| Noninterest expense to average assets | 2.6396% | 3,318 |
| Loan and lease loss provision to assets | 0.2665% | 676 |
| Net operating income to assets | 0.8248% | 3,058 |
| Return on assets (ROA) | 0.8248% | 3,099 |
| Pretax return on assets | 1.0933% | 3,215 |
| Return on Equity (ROE) | 9.5099% | 2,093 |
| Retained earnings to average equity (ytd only) | 6.1569% | 1,455 |
| Net charge-offs to loans | 0.1367% | 1,699 |
| Credit loss provision to net charge-offs | 228.3465% | 1,214 |
| Earnings coverage of net charge-offs (x) | 11.6504% | 2,545 |
| Efficiency ratio | 65.9987% | 3,265 |
| Assets per employee ($millions) | 4.2015% | 3,649 |
| Cash dividends to net income (ytd only)* | 35.2574% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1775% | 2,910 |
| Loan loss allowance to noncurrent loans | 101.0183% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1028% | 1,379 |
| Noncurrent loans to loans | 1.1656% | 1,522 |
| Net loans and leases to total assets | 85.3408% | 307 |
| Net loans and leases to deposits | 105.8311% | 404 |
| Net loans and leases to core deposits | 119.3870% | 607 |
| Total domestic deposits to total assets | 80.6387% | 4,212 |
| Equity capital to assets | 8.4833% | 5,134 |
| Core capital (leverage) ratio | 8.7184% | 4,931 |
| Tier 1 risk-based capital ratio | 10.0783% | 5,514 |
| Total risk-based capital ratio | 11.8810% | 5,219 |
| Memoranda: | ||
| Average total assets | $544,026,000 | 1,293 |
| Average earning assets | $510,893,200 | 1,276 |
| Average equity | $47,182,600 | 1,594 |
| Average total loans | $464,554,800 | 1,095 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 3,247 |
| Cost of funding earning assets | 0.5316% | 2,023 |
| Net interest margin | 3.4986% | 3,504 |
| Noninterest income to average assets | 0.7187% | 1,914 |
| Noninterest expense to average assets | 2.6142% | 3,367 |
| Loan and lease loss provision to assets | 0.2947% | 533 |
| Net operating income to assets | 0.8070% | 3,497 |
| Return on assets (ROA) | 0.8070% | 3,542 |
| Pretax return on assets | 1.0962% | 3,317 |
| Return on Equity (ROE) | 9.2506% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.8696% | 2,325 |
| Net charge-offs to loans | 0.0906% | 1,892 |
| Credit loss provision to net charge-offs | 382.2581% | 801 |
| Earnings coverage of net charge-offs (x) | 18.0421% | 2,074 |
| Efficiency ratio | 65.2717% | 3,330 |
| Assets per employee ($millions) | 4.1672% | 3,709 |
| Cash dividends to net income (ytd only)* | 36.5484% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,846 |
| Loan loss allowance to noncurrent loans | 91.5338% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 1,375 |
| Noncurrent loans to loans | 1.3260% | 1,435 |
| Net loans and leases to total assets | 84.9298% | 346 |
| Net loans and leases to deposits | 106.1245% | 414 |
| Net loans and leases to core deposits | 118.6959% | 627 |
| Total domestic deposits to total assets | 80.0284% | 4,305 |
| Equity capital to assets | 8.5039% | 5,284 |
| Core capital (leverage) ratio | 8.7060% | 5,056 |
| Tier 1 risk-based capital ratio | 10.0280% | 5,591 |
| Total risk-based capital ratio | 11.8706% | 5,336 |
| Memoranda: | ||
| Average total assets | $536,129,750 | 1,321 |
| Average earning assets | $503,621,750 | 1,300 |
| Average equity | $46,770,500 | 1,619 |
| Average total loans | $456,422,500 | 1,117 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,292 |
| Cost of funding earning assets | 0.4865% | 2,279 |
| Net interest margin | 3.4920% | 3,432 |
| Noninterest income to average assets | 0.6739% | 2,107 |
| Noninterest expense to average assets | 2.6125% | 3,393 |
| Loan and lease loss provision to assets | 0.3118% | 478 |
| Net operating income to assets | 0.7533% | 3,624 |
| Return on assets (ROA) | 0.7533% | 3,675 |
| Pretax return on assets | 1.0306% | 3,446 |
| Return on Equity (ROE) | 8.5580% | 2,748 |
| Retained earnings to average equity (ytd only) | 3.4344% | 3,667 |
| Net charge-offs to loans | 0.0771% | 1,851 |
| Credit loss provision to net charge-offs | 476.7442% | 689 |
| Earnings coverage of net charge-offs (x) | 20.5233% | 1,792 |
| Efficiency ratio | 66.0577% | 3,344 |
| Assets per employee ($millions) | 4.0901% | 3,808 |
| Cash dividends to net income (ytd only)* | 59.8688% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,989 |
| Loan loss allowance to noncurrent loans | 85.3497% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2971% | 1,278 |
| Noncurrent loans to loans | 1.4101% | 1,358 |
| Net loans and leases to total assets | 84.5310% | 395 |
| Net loans and leases to deposits | 106.3616% | 386 |
| Net loans and leases to core deposits | 117.0704% | 680 |
| Total domestic deposits to total assets | 79.4751% | 4,519 |
| Equity capital to assets | 8.4972% | 5,306 |
| Core capital (leverage) ratio | 8.8742% | 4,872 |
| Tier 1 risk-based capital ratio | 10.1136% | 5,601 |
| Total risk-based capital ratio | 11.9755% | 5,300 |
| Memoranda: | ||
| Average total assets | $525,926,330 | 1,350 |
| Average earning assets | $494,154,330 | 1,333 |
| Average equity | $46,295,670 | 1,636 |
| Average total loans | $446,148,330 | 1,145 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,133 |
| Cost of funding earning assets | 0.4638% | 2,389 |
| Net interest margin | 3.5095% | 3,240 |
| Noninterest income to average assets | 0.6903% | 2,010 |
| Noninterest expense to average assets | 2.5733% | 3,581 |
| Loan and lease loss provision to assets | 0.3112% | 416 |
| Net operating income to assets | 0.8143% | 3,160 |
| Return on assets (ROA) | 0.8143% | 3,214 |
| Pretax return on assets | 1.1108% | 2,936 |
| Return on Equity (ROE) | 9.0814% | 2,375 |
| Retained earnings to average equity (ytd only) | 5.6454% | 2,522 |
| Net charge-offs to loans | 0.1949% | 886 |
| Credit loss provision to net charge-offs | 189.0995% | 1,048 |
| Earnings coverage of net charge-offs (x) | 8.6398% | 2,044 |
| Efficiency ratio | 64.4084% | 3,769 |
| Assets per employee ($millions) | 4.0106% | 3,989 |
| Cash dividends to net income (ytd only)* | 37.8352% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 3,266 |
| Loan loss allowance to noncurrent loans | 78.2837% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.3376% | 1,262 |
| Noncurrent loans to loans | 1.5053% | 1,325 |
| Net loans and leases to total assets | 84.0702% | 361 |
| Net loans and leases to deposits | 102.5070% | 474 |
| Net loans and leases to core deposits | 112.5208% | 747 |
| Total domestic deposits to total assets | 82.0141% | 4,165 |
| Equity capital to assets | 8.9046% | 4,904 |
| Core capital (leverage) ratio | 9.3146% | 4,325 |
| Tier 1 risk-based capital ratio | 10.4898% | 5,549 |
| Total risk-based capital ratio | 12.3269% | 5,170 |
| Memoranda: | ||
| Average total assets | $512,805,000 | 1,388 |
| Average earning assets | $482,922,500 | 1,364 |
| Average equity | $45,984,000 | 1,645 |
| Average total loans | $433,002,500 | 1,176 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 3,331 |
| Cost of funding earning assets | 0.4846% | 2,211 |
| Net interest margin | 3.4802% | 3,504 |
| Noninterest income to average assets | 0.6409% | 2,457 |
| Noninterest expense to average assets | 2.5313% | 3,914 |
| Loan and lease loss provision to assets | 0.1699% | 1,436 |
| Net operating income to assets | 0.8899% | 2,877 |
| Return on assets (ROA) | 0.9075% | 2,896 |
| Pretax return on assets | 1.2321% | 2,543 |
| Return on Equity (ROE) | 10.0419% | 1,943 |
| Retained earnings to average equity (ytd only) | 6.7148% | 1,348 |
| Net charge-offs to loans | 0.2035% | 1,368 |
| Credit loss provision to net charge-offs | 100.4802% | 2,550 |
| Earnings coverage of net charge-offs (x) | 8.1501% | 2,914 |
| Efficiency ratio | 64.7471% | 3,809 |
| Assets per employee ($millions) | 3.9703% | 4,021 |
| Cash dividends to net income (ytd only)* | 33.1320% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1926% | 3,164 |
| Loan loss allowance to noncurrent loans | 88.8223% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1743% | 1,554 |
| Noncurrent loans to loans | 1.3426% | 1,530 |
| Net loans and leases to total assets | 82.7826% | 507 |
| Net loans and leases to deposits | 96.4319% | 958 |
| Net loans and leases to core deposits | 106.7528% | 1,081 |
| Total domestic deposits to total assets | 85.8457% | 2,655 |
| Equity capital to assets | 9.0318% | 4,781 |
| Core capital (leverage) ratio | 9.4237% | 4,192 |
| Tier 1 risk-based capital ratio | 10.9981% | 5,348 |
| Total risk-based capital ratio | 12.9085% | 4,858 |
| Memoranda: | ||
| Average total assets | $492,586,000 | 1,400 |
| Average earning assets | $462,642,600 | 1,373 |
| Average equity | $44,513,600 | 1,672 |
| Average total loans | $409,300,400 | 1,182 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,278 |
| Cost of funding earning assets | 0.4898% | 2,172 |
| Net interest margin | 3.4962% | 3,483 |
| Noninterest income to average assets | 0.6401% | 2,478 |
| Noninterest expense to average assets | 2.5320% | 3,889 |
| Loan and lease loss provision to assets | 0.1103% | 2,088 |
| Net operating income to assets | 0.9333% | 2,734 |
| Return on assets (ROA) | 0.9565% | 2,767 |
| Pretax return on assets | 1.3105% | 2,389 |
| Return on Equity (ROE) | 10.5834% | 1,838 |
| Retained earnings to average equity (ytd only) | 7.2394% | 1,507 |
| Net charge-offs to loans | 0.1635% | 1,394 |
| Credit loss provision to net charge-offs | 81.3253% | 2,646 |
| Earnings coverage of net charge-offs (x) | 10.2430% | 2,595 |
| Efficiency ratio | 64.5764% | 3,842 |
| Assets per employee ($millions) | 4.0208% | 3,929 |
| Cash dividends to net income (ytd only)* | 31.5969% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 3,150 |
| Loan loss allowance to noncurrent loans | 86.5021% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.1970% | 1,667 |
| Noncurrent loans to loans | 1.4032% | 1,570 |
| Net loans and leases to total assets | 81.3132% | 716 |
| Net loans and leases to deposits | 94.4571% | 1,214 |
| Net loans and leases to core deposits | 106.4001% | 1,157 |
| Total domestic deposits to total assets | 86.0848% | 2,310 |
| Equity capital to assets | 9.2579% | 4,910 |
| Core capital (leverage) ratio | 9.3480% | 4,394 |
| Tier 1 risk-based capital ratio | 11.2075% | 5,252 |
| Total risk-based capital ratio | 13.1568% | 4,739 |
| Memoranda: | ||
| Average total assets | $489,675,500 | 1,410 |
| Average earning assets | $459,501,250 | 1,392 |
| Average equity | $44,256,750 | 1,689 |
| Average total loans | $406,012,750 | 1,190 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,304 |
| Cost of funding earning assets | 0.4939% | 2,155 |
| Net interest margin | 3.4878% | 3,532 |
| Noninterest income to average assets | 0.5893% | 2,677 |
| Noninterest expense to average assets | 2.5100% | 4,003 |
| Loan and lease loss provision to assets | 0.1270% | 1,793 |
| Net operating income to assets | 0.8908% | 2,908 |
| Return on assets (ROA) | 0.9204% | 2,903 |
| Pretax return on assets | 1.2601% | 2,563 |
| Return on Equity (ROE) | 10.2681% | 1,939 |
| Retained earnings to average equity (ytd only) | 6.8850% | 1,671 |
| Net charge-offs to loans | 0.1489% | 1,435 |
| Credit loss provision to net charge-offs | 102.6490% | 2,057 |
| Earnings coverage of net charge-offs (x) | 10.8808% | 2,297 |
| Efficiency ratio | 65.0834% | 3,830 |
| Assets per employee ($millions) | 4.0015% | 3,896 |
| Cash dividends to net income (ytd only)* | 32.9475% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 3,120 |
| Loan loss allowance to noncurrent loans | 82.4530% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.3440% | 1,487 |
| Noncurrent loans to loans | 1.5068% | 1,453 |
| Net loans and leases to total assets | 81.4306% | 689 |
| Net loans and leases to deposits | 94.5277% | 1,235 |
| Net loans and leases to core deposits | 106.5234% | 1,140 |
| Total domestic deposits to total assets | 86.1447% | 2,352 |
| Equity capital to assets | 9.0980% | 5,162 |
| Core capital (leverage) ratio | 9.1701% | 4,634 |
| Tier 1 risk-based capital ratio | 11.0045% | 5,421 |
| Total risk-based capital ratio | 12.9843% | 4,900 |
| Memoranda: | ||
| Average total assets | $488,049,670 | 1,420 |
| Average earning assets | $457,188,000 | 1,400 |
| Average equity | $43,747,330 | 1,706 |
| Average total loans | $405,657,670 | 1,197 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9649% | 3,349 |
| Cost of funding earning assets | 0.5044% | 2,067 |
| Net interest margin | 3.4604% | 3,622 |
| Noninterest income to average assets | 0.5580% | 2,759 |
| Noninterest expense to average assets | 2.4421% | 4,251 |
| Loan and lease loss provision to assets | 0.2222% | 857 |
| Net operating income to assets | 0.8321% | 3,083 |
| Return on assets (ROA) | 0.8321% | 3,214 |
| Pretax return on assets | 1.1293% | 2,976 |
| Return on Equity (ROE) | 9.3543% | 2,264 |
| Retained earnings to average equity (ytd only) | 5.9309% | 2,408 |
| Net charge-offs to loans | 0.1973% | 1,008 |
| Credit loss provision to net charge-offs | 135.0000% | 1,341 |
| Earnings coverage of net charge-offs (x) | 8.2100% | 2,076 |
| Efficiency ratio | 64.3741% | 4,060 |
| Assets per employee ($millions) | 4.0418% | 3,875 |
| Cash dividends to net income (ytd only)* | 36.5974% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,186 |
| Loan loss allowance to noncurrent loans | 85.7695% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.3763% | 1,526 |
| Noncurrent loans to loans | 1.4574% | 1,621 |
| Net loans and leases to total assets | 82.4658% | 511 |
| Net loans and leases to deposits | 97.8646% | 767 |
| Net loans and leases to core deposits | 110.2619% | 843 |
| Total domestic deposits to total assets | 84.2652% | 3,416 |
| Equity capital to assets | 8.9433% | 5,225 |
| Core capital (leverage) ratio | 9.0310% | 4,813 |
| Tier 1 risk-based capital ratio | 10.7944% | 5,606 |
| Total risk-based capital ratio | 12.7807% | 5,122 |
| Memoranda: | ||
| Average total assets | $485,981,500 | 1,424 |
| Average earning assets | $454,392,500 | 1,409 |
| Average equity | $43,231,500 | 1,723 |
| Average total loans | $405,570,500 | 1,194 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 3,067 |
| Cost of funding earning assets | 0.4666% | 2,467 |
| Net interest margin | 3.5946% | 3,162 |
| Noninterest income to average assets | 0.5952% | 2,735 |
| Noninterest expense to average assets | 2.6244% | 3,841 |
| Loan and lease loss provision to assets | 0.1282% | 1,881 |
| Net operating income to assets | 0.8850% | 2,953 |
| Return on assets (ROA) | 0.9113% | 2,888 |
| Pretax return on assets | 1.2370% | 2,514 |
| Return on Equity (ROE) | 9.4067% | 2,268 |
| Retained earnings to average equity (ytd only) | 0.8192% | 5,194 |
| Net charge-offs to loans | 0.1501% | 1,867 |
| Credit loss provision to net charge-offs | 99.3243% | 2,567 |
| Earnings coverage of net charge-offs (x) | 10.3024% | 2,704 |
| Efficiency ratio | 66.3726% | 3,844 |
| Assets per employee ($millions) | 4.0242% | 3,897 |
| Cash dividends to net income (ytd only)* | 91.2919% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 3,169 |
| Loan loss allowance to noncurrent loans | 110.8078% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1304% | 1,940 |
| Noncurrent loans to loans | 1.1280% | 2,085 |
| Net loans and leases to total assets | 82.3550% | 562 |
| Net loans and leases to deposits | 99.7639% | 688 |
| Net loans and leases to core deposits | 111.0476% | 810 |
| Total domestic deposits to total assets | 82.5498% | 3,999 |
| Equity capital to assets | 8.8475% | 5,268 |
| Core capital (leverage) ratio | 9.2405% | 4,559 |
| Tier 1 risk-based capital ratio | 10.7352% | 5,651 |
| Total risk-based capital ratio | 12.7291% | 5,172 |
| Memoranda: | ||
| Average total assets | $458,702,400 | 1,466 |
| Average earning assets | $428,609,400 | 1,457 |
| Average equity | $44,436,200 | 1,660 |
| Average total loans | $394,401,000 | 1,170 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 2,996 |
| Cost of funding earning assets | 0.4643% | 2,539 |
| Net interest margin | 3.6233% | 3,066 |
| Noninterest income to average assets | 0.5976% | 2,755 |
| Noninterest expense to average assets | 2.5938% | 3,904 |
| Loan and lease loss provision to assets | 0.1567% | 1,380 |
| Net operating income to assets | 0.9095% | 2,919 |
| Return on assets (ROA) | 0.9111% | 3,000 |
| Pretax return on assets | 1.2371% | 2,666 |
| Return on Equity (ROE) | 9.1920% | 2,472 |
| Retained earnings to average equity (ytd only) | 5.9556% | 2,277 |
| Net charge-offs to loans | 0.1536% | 1,603 |
| Credit loss provision to net charge-offs | 117.6991% | 2,020 |
| Earnings coverage of net charge-offs (x) | 10.4536% | 2,595 |
| Efficiency ratio | 65.0802% | 4,049 |
| Assets per employee ($millions) | 3.9113% | 4,057 |
| Cash dividends to net income (ytd only)* | 35.2084% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 3,181 |
| Loan loss allowance to noncurrent loans | 112.1604% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 2,157 |
| Noncurrent loans to loans | 1.1453% | 2,219 |
| Net loans and leases to total assets | 84.5161% | 346 |
| Net loans and leases to deposits | 101.4530% | 577 |
| Net loans and leases to core deposits | 113.7358% | 682 |
| Total domestic deposits to total assets | 83.3057% | 3,696 |
| Equity capital to assets | 9.9111% | 4,272 |
| Core capital (leverage) ratio | 10.1171% | 3,478 |
| Tier 1 risk-based capital ratio | 11.7390% | 5,243 |
| Total risk-based capital ratio | 12.9897% | 5,162 |
| Memoranda: | ||
| Average total assets | $452,651,500 | 1,488 |
| Average earning assets | $423,253,250 | 1,476 |
| Average equity | $44,864,000 | 1,657 |
| Average total loans | $392,318,500 | 1,174 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 2,882 |
| Cost of funding earning assets | 0.4611% | 2,598 |
| Net interest margin | 3.6434% | 2,930 |
| Noninterest income to average assets | 0.5852% | 2,822 |
| Noninterest expense to average assets | 2.5634% | 4,027 |
| Loan and lease loss provision to assets | 0.2137% | 898 |
| Net operating income to assets | 0.9095% | 2,821 |
| Return on assets (ROA) | 0.9095% | 2,951 |
| Pretax return on assets | 1.2199% | 2,696 |
| Return on Equity (ROE) | 9.1761% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.3248% | 3,270 |
| Net charge-offs to loans | 0.1748% | 1,412 |
| Credit loss provision to net charge-offs | 140.4692% | 1,598 |
| Earnings coverage of net charge-offs (x) | 9.4252% | 2,454 |
| Efficiency ratio | 64.1335% | 4,336 |
| Assets per employee ($millions) | 3.8461% | 4,178 |
| Cash dividends to net income (ytd only)* | 52.8691% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 3,143 |
| Loan loss allowance to noncurrent loans | 99.1766% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2529% | 2,006 |
| Noncurrent loans to loans | 1.3293% | 2,023 |
| Net loans and leases to total assets | 85.4210% | 269 |
| Net loans and leases to deposits | 100.6336% | 611 |
| Net loans and leases to core deposits | 112.4550% | 727 |
| Total domestic deposits to total assets | 84.8832% | 3,176 |
| Equity capital to assets | 9.8899% | 4,168 |
| Core capital (leverage) ratio | 10.0288% | 3,553 |
| Tier 1 risk-based capital ratio | 11.6159% | 5,397 |
| Total risk-based capital ratio | 12.8668% | 5,311 |
| Memoranda: | ||
| Average total assets | $448,386,670 | 1,518 |
| Average earning assets | $419,882,330 | 1,496 |
| Average equity | $44,441,670 | 1,682 |
| Average total loans | $390,259,330 | 1,183 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 2,678 |
| Cost of funding earning assets | 0.4522% | 2,749 |
| Net interest margin | 3.6864% | 2,670 |
| Noninterest income to average assets | 0.5619% | 2,878 |
| Noninterest expense to average assets | 2.5122% | 4,227 |
| Loan and lease loss provision to assets | 0.2504% | 661 |
| Net operating income to assets | 0.9334% | 2,591 |
| Return on assets (ROA) | 0.9334% | 2,719 |
| Pretax return on assets | 1.2602% | 2,424 |
| Return on Equity (ROE) | 9.4074% | 2,264 |
| Retained earnings to average equity (ytd only) | 2.9398% | 4,210 |
| Net charge-offs to loans | 0.2694% | 886 |
| Credit loss provision to net charge-offs | 106.4885% | 1,546 |
| Earnings coverage of net charge-offs (x) | 6.4237% | 2,293 |
| Efficiency ratio | 62.4498% | 4,716 |
| Assets per employee ($millions) | 3.8054% | 4,328 |
| Cash dividends to net income (ytd only)* | 68.7500% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 3,378 |
| Loan loss allowance to noncurrent loans | 91.7120% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.3726% | 1,928 |
| Noncurrent loans to loans | 1.4226% | 2,019 |
| Net loans and leases to total assets | 85.9185% | 196 |
| Net loans and leases to deposits | 101.4211% | 486 |
| Net loans and leases to core deposits | 112.6134% | 625 |
| Total domestic deposits to total assets | 84.7146% | 3,538 |
| Equity capital to assets | 9.9841% | 4,168 |
| Core capital (leverage) ratio | 10.1043% | 3,467 |
| Tier 1 risk-based capital ratio | 11.2538% | 5,687 |
| Total risk-based capital ratio | 12.4062% | 5,651 |
| Memoranda: | ||
| Average total assets | $445,660,500 | 1,540 |
| Average earning assets | $418,398,500 | 1,510 |
| Average equity | $44,220,500 | 1,690 |
| Average total loans | $388,962,500 | 1,183 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 3,062 |
| Cost of funding earning assets | 0.4942% | 2,724 |
| Net interest margin | 3.6705% | 3,126 |
| Noninterest income to average assets | 0.5871% | 2,936 |
| Noninterest expense to average assets | 2.4935% | 4,573 |
| Loan and lease loss provision to assets | 0.4966% | 307 |
| Net operating income to assets | 0.7626% | 3,553 |
| Return on assets (ROA) | 0.7809% | 3,554 |
| Pretax return on assets | 1.0477% | 3,314 |
| Return on Equity (ROE) | 8.0066% | 3,136 |
| Retained earnings to average equity (ytd only) | 5.4815% | 2,274 |
| Net charge-offs to loans | 0.4414% | 959 |
| Credit loss provision to net charge-offs | 129.8824% | 1,836 |
| Earnings coverage of net charge-offs (x) | 3.9747% | 3,771 |
| Efficiency ratio | 62.1308% | 4,896 |
| Assets per employee ($millions) | 3.7487% | 4,445 |
| Cash dividends to net income (ytd only)* | 31.5380% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 3,475 |
| Loan loss allowance to noncurrent loans | 80.1399% | 4,224 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 1,754 |
| Noncurrent loans to loans | 1.6112% | 1,820 |
| Net loans and leases to total assets | 86.3710% | 187 |
| Net loans and leases to deposits | 107.4538% | 312 |
| Net loans and leases to core deposits | 118.7482% | 441 |
| Total domestic deposits to total assets | 80.3797% | 4,914 |
| Equity capital to assets | 9.8609% | 4,280 |
| Core capital (leverage) ratio | 9.8271% | 3,804 |
| Tier 1 risk-based capital ratio | 11.6797% | 5,558 |
| Total risk-based capital ratio | 12.9607% | 5,448 |
| Memoranda: | ||
| Average total assets | $444,592,400 | 1,493 |
| Average earning assets | $415,007,200 | 1,479 |
| Average equity | $43,364,200 | 1,660 |
| Average total loans | $385,165,600 | 1,150 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1336% | 3,242 |
| Cost of funding earning assets | 0.5063% | 2,695 |
| Net interest margin | 3.6273% | 3,321 |
| Noninterest income to average assets | 0.5799% | 2,991 |
| Noninterest expense to average assets | 2.5161% | 4,475 |
| Loan and lease loss provision to assets | 0.2668% | 795 |
| Net operating income to assets | 0.8688% | 3,081 |
| Return on assets (ROA) | 0.8692% | 3,168 |
| Pretax return on assets | 1.1799% | 2,861 |
| Return on Equity (ROE) | 8.9364% | 2,728 |
| Retained earnings to average equity (ytd only) | 6.6745% | 1,995 |
| Net charge-offs to loans | 0.2674% | 1,463 |
| Credit loss provision to net charge-offs | 115.4545% | 1,966 |
| Earnings coverage of net charge-offs (x) | 6.2571% | 3,112 |
| Efficiency ratio | 63.5028% | 4,630 |
| Assets per employee ($millions) | 3.6076% | 4,666 |
| Cash dividends to net income (ytd only)* | 25.3108% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 4,338 |
| Loan loss allowance to noncurrent loans | 71.8523% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.5751% | 1,941 |
| Noncurrent loans to loans | 1.6431% | 1,983 |
| Net loans and leases to total assets | 86.3264% | 179 |
| Net loans and leases to deposits | 107.8708% | 270 |
| Net loans and leases to core deposits | 117.7071% | 448 |
| Total domestic deposits to total assets | 80.0275% | 5,090 |
| Equity capital to assets | 9.8597% | 4,341 |
| Core capital (leverage) ratio | 9.8393% | 3,889 |
| Tier 1 risk-based capital ratio | 11.6241% | 5,721 |
| Total risk-based capital ratio | 12.8551% | 5,652 |
| Memoranda: | ||
| Average total assets | $444,217,250 | 1,507 |
| Average earning assets | $414,218,750 | 1,490 |
| Average equity | $43,208,000 | 1,669 |
| Average total loans | $383,873,250 | 1,158 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 3,250 |
| Cost of funding earning assets | 0.5219% | 2,620 |
| Net interest margin | 3.6006% | 3,357 |
| Noninterest income to average assets | 0.5616% | 3,040 |
| Noninterest expense to average assets | 2.4893% | 4,612 |
| Loan and lease loss provision to assets | 0.2756% | 745 |
| Net operating income to assets | 0.8480% | 3,084 |
| Return on assets (ROA) | 0.8480% | 3,189 |
| Pretax return on assets | 1.1494% | 2,882 |
| Return on Equity (ROE) | 8.7591% | 2,711 |
| Retained earnings to average equity (ytd only) | 7.0251% | 1,762 |
| Net charge-offs to loans | 0.2144% | 1,740 |
| Credit loss provision to net charge-offs | 149.2647% | 1,462 |
| Earnings coverage of net charge-offs (x) | 7.7181% | 2,587 |
| Efficiency ratio | 63.5954% | 4,753 |
| Assets per employee ($millions) | 3.8145% | 4,226 |
| Cash dividends to net income (ytd only)* | 19.7972% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2167% | 4,350 |
| Loan loss allowance to noncurrent loans | 74.4728% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 1.5066% | 2,165 |
| Noncurrent loans to loans | 1.6338% | 2,129 |
| Net loans and leases to total assets | 86.0808% | 173 |
| Net loans and leases to deposits | 103.5518% | 380 |
| Net loans and leases to core deposits | 113.1696% | 564 |
| Total domestic deposits to total assets | 83.1283% | 4,254 |
| Equity capital to assets | 9.8047% | 4,348 |
| Core capital (leverage) ratio | 9.7551% | 3,954 |
| Tier 1 risk-based capital ratio | 11.5632% | 5,766 |
| Total risk-based capital ratio | 12.8291% | 5,712 |
| Memoranda: | ||
| Average total assets | $441,971,000 | 1,517 |
| Average earning assets | $411,547,000 | 1,494 |
| Average equity | $42,789,670 | 1,667 |
| Average total loans | $380,516,000 | 1,156 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 3,346 |
| Cost of funding earning assets | 0.5374% | 2,531 |
| Net interest margin | 3.5481% | 3,494 |
| Noninterest income to average assets | 0.5730% | 2,898 |
| Noninterest expense to average assets | 2.4438% | 4,800 |
| Loan and lease loss provision to assets | 0.2092% | 1,099 |
| Net operating income to assets | 0.8695% | 2,798 |
| Return on assets (ROA) | 0.8695% | 2,866 |
| Pretax return on assets | 1.2224% | 2,382 |
| Return on Equity (ROE) | 9.0390% | 2,443 |
| Retained earnings to average equity (ytd only) | 5.7203% | 2,684 |
| Net charge-offs to loans | 0.1594% | 1,764 |
| Credit loss provision to net charge-offs | 153.3333% | 1,243 |
| Earnings coverage of net charge-offs (x) | 10.4933% | 1,857 |
| Efficiency ratio | 63.0603% | 4,997 |
| Assets per employee ($millions) | 3.7615% | 4,394 |
| Cash dividends to net income (ytd only)* | 36.7155% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2226% | 4,537 |
| Loan loss allowance to noncurrent loans | 69.7474% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.7727% | 1,984 |
| Noncurrent loans to loans | 1.7529% | 2,206 |
| Net loans and leases to total assets | 83.2276% | 282 |
| Net loans and leases to deposits | 99.2284% | 477 |
| Net loans and leases to core deposits | 109.7016% | 592 |
| Total domestic deposits to total assets | 83.8748% | 4,319 |
| Equity capital to assets | 9.5381% | 4,450 |
| Core capital (leverage) ratio | 9.7513% | 3,927 |
| Tier 1 risk-based capital ratio | 11.5821% | 5,871 |
| Total risk-based capital ratio | 12.8449% | 5,814 |
| Memoranda: | ||
| Average total assets | $439,807,500 | 1,530 |
| Average earning assets | $409,349,000 | 1,507 |
| Average equity | $42,305,500 | 1,692 |
| Average total loans | $376,319,500 | 1,176 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3469% | 2,782 |
| Cost of funding earning assets | 0.5737% | 2,894 |
| Net interest margin | 3.7732% | 2,748 |
| Noninterest income to average assets | 0.7071% | 2,503 |
| Noninterest expense to average assets | 2.6394% | 4,317 |
| Loan and lease loss provision to assets | 0.1959% | 1,892 |
| Net operating income to assets | 0.9694% | 2,471 |
| Return on assets (ROA) | 0.9720% | 2,526 |
| Pretax return on assets | 1.3817% | 1,858 |
| Return on Equity (ROE) | 9.8691% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.5983% | 2,220 |
| Net charge-offs to loans | 0.2793% | 2,303 |
| Credit loss provision to net charge-offs | 82.7515% | 2,964 |
| Earnings coverage of net charge-offs (x) | 6.6499% | 3,014 |
| Efficiency ratio | 62.6449% | 5,109 |
| Assets per employee ($millions) | 3.5702% | 4,761 |
| Cash dividends to net income (ytd only)* | 43.2750% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 4,626 |
| Loan loss allowance to noncurrent loans | 70.7858% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.8090% | 2,034 |
| Noncurrent loans to loans | 1.7047% | 2,353 |
| Net loans and leases to total assets | 85.8699% | 161 |
| Net loans and leases to deposits | 102.6473% | 374 |
| Net loans and leases to core deposits | 112.2928% | 524 |
| Total domestic deposits to total assets | 83.6553% | 4,297 |
| Equity capital to assets | 9.7030% | 4,162 |
| Core capital (leverage) ratio | 9.7382% | 3,928 |
| Tier 1 risk-based capital ratio | 11.3839% | 5,977 |
| Total risk-based capital ratio | 12.6227% | 5,911 |
| Memoranda: | ||
| Average total assets | $411,527,400 | 1,603 |
| Average earning assets | $382,412,200 | 1,583 |
| Average equity | $40,530,400 | 1,724 |
| Average total loans | $348,759,000 | 1,225 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,757 |
| Cost of funding earning assets | 0.5798% | 2,997 |
| Net interest margin | 3.7749% | 2,731 |
| Noninterest income to average assets | 0.7122% | 2,545 |
| Noninterest expense to average assets | 2.6482% | 4,209 |
| Loan and lease loss provision to assets | 0.1791% | 2,033 |
| Net operating income to assets | 0.9742% | 2,490 |
| Return on assets (ROA) | 0.9776% | 2,580 |
| Pretax return on assets | 1.3953% | 1,948 |
| Return on Equity (ROE) | 9.8877% | 2,227 |
| Retained earnings to average equity (ytd only) | 6.4535% | 2,161 |
| Net charge-offs to loans | 0.2647% | 2,229 |
| Credit loss provision to net charge-offs | 80.4124% | 2,839 |
| Earnings coverage of net charge-offs (x) | 7.0457% | 2,858 |
| Efficiency ratio | 62.7878% | 5,017 |
| Assets per employee ($millions) | 3.4908% | 4,869 |
| Cash dividends to net income (ytd only)* | 34.7317% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,547 |
| Loan loss allowance to noncurrent loans | 76.5209% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 2.1287% | 1,872 |
| Noncurrent loans to loans | 1.6580% | 2,697 |
| Net loans and leases to total assets | 84.8238% | 196 |
| Net loans and leases to deposits | 97.2978% | 606 |
| Net loans and leases to core deposits | 106.5245% | 729 |
| Total domestic deposits to total assets | 87.1795% | 2,581 |
| Equity capital to assets | 9.7941% | 4,193 |
| Core capital (leverage) ratio | 9.9682% | 3,719 |
| Tier 1 risk-based capital ratio | 11.3722% | 6,109 |
| Total risk-based capital ratio | 12.6301% | 6,080 |
| Memoranda: | ||
| Average total assets | $406,409,250 | 1,633 |
| Average earning assets | $377,391,750 | 1,609 |
| Average equity | $40,183,750 | 1,748 |
| Average total loans | $342,076,500 | 1,250 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,827 |
| Cost of funding earning assets | 0.5981% | 2,965 |
| Net interest margin | 3.7328% | 2,831 |
| Noninterest income to average assets | 0.7553% | 2,392 |
| Noninterest expense to average assets | 2.5919% | 4,420 |
| Loan and lease loss provision to assets | 0.2541% | 1,457 |
| Net operating income to assets | 0.9708% | 2,462 |
| Return on assets (ROA) | 0.9760% | 2,585 |
| Pretax return on assets | 1.3862% | 1,982 |
| Return on Equity (ROE) | 9.8389% | 2,262 |
| Retained earnings to average equity (ytd only) | 4.7014% | 3,261 |
| Net charge-offs to loans | 0.1737% | 2,729 |
| Credit loss provision to net charge-offs | 175.0000% | 1,353 |
| Earnings coverage of net charge-offs (x) | 11.2466% | 2,065 |
| Efficiency ratio | 61.3511% | 5,273 |
| Assets per employee ($millions) | 3.4656% | 4,929 |
| Cash dividends to net income (ytd only)* | 52.2160% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 3,814 |
| Loan loss allowance to noncurrent loans | 72.8485% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.3777% | 1,801 |
| Noncurrent loans to loans | 1.9884% | 2,413 |
| Net loans and leases to total assets | 81.1329% | 424 |
| Net loans and leases to deposits | 91.7806% | 987 |
| Net loans and leases to core deposits | 100.6825% | 1,031 |
| Total domestic deposits to total assets | 88.3987% | 1,987 |
| Equity capital to assets | 9.6950% | 4,322 |
| Core capital (leverage) ratio | 10.0067% | 3,506 |
| Tier 1 risk-based capital ratio | 11.1624% | 6,259 |
| Total risk-based capital ratio | 12.4123% | 6,236 |
| Memoranda: | ||
| Average total assets | $402,248,000 | 1,647 |
| Average earning assets | $373,878,000 | 1,625 |
| Average equity | $39,902,670 | 1,765 |
| Average total loans | $336,139,670 | 1,268 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4006% | 2,523 |
| Cost of funding earning assets | 0.6324% | 2,822 |
| Net interest margin | 3.7682% | 2,576 |
| Noninterest income to average assets | 0.8238% | 2,025 |
| Noninterest expense to average assets | 2.5491% | 4,572 |
| Loan and lease loss provision to assets | 0.2518% | 1,424 |
| Net operating income to assets | 1.0650% | 1,978 |
| Return on assets (ROA) | 1.0756% | 2,058 |
| Pretax return on assets | 1.5308% | 1,484 |
| Return on Equity (ROE) | 10.7168% | 1,785 |
| Retained earnings to average equity (ytd only) | 7.2549% | 2,045 |
| Net charge-offs to loans | 0.1710% | 2,375 |
| Credit loss provision to net charge-offs | 174.8252% | 1,216 |
| Earnings coverage of net charge-offs (x) | 12.2727% | 1,611 |
| Efficiency ratio | 59.0527% | 5,711 |
| Assets per employee ($millions) | 3.4811% | 5,017 |
| Cash dividends to net income (ytd only)* | 32.3034% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 4,057 |
| Loan loss allowance to noncurrent loans | 64.8018% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 2.9992% | 1,497 |
| Noncurrent loans to loans | 2.2207% | 2,364 |
| Net loans and leases to total assets | 82.9632% | 236 |
| Net loans and leases to deposits | 94.4544% | 641 |
| Net loans and leases to core deposits | 103.9541% | 716 |
| Total domestic deposits to total assets | 87.8342% | 2,428 |
| Equity capital to assets | 10.1287% | 3,978 |
| Core capital (leverage) ratio | 10.1818% | 3,168 |
| Tier 1 risk-based capital ratio | 11.5414% | 6,162 |
| Total risk-based capital ratio | 12.8296% | 6,110 |
| Memoranda: | ||
| Average total assets | $397,167,000 | 1,684 |
| Average earning assets | $368,132,500 | 1,661 |
| Average equity | $39,862,500 | 1,784 |
| Average total loans | $334,450,500 | 1,274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 3,287 |
| Cost of funding earning assets | 0.7790% | 2,839 |
| Net interest margin | 3.7490% | 3,442 |
| Noninterest income to average assets | 0.7600% | 2,448 |
| Noninterest expense to average assets | 2.5914% | 4,767 |
| Loan and lease loss provision to assets | 0.2006% | 3,130 |
| Net operating income to assets | 1.0384% | 2,172 |
| Return on assets (ROA) | 1.0384% | 2,376 |
| Pretax return on assets | 1.4695% | 1,782 |
| Return on Equity (ROE) | 10.8116% | 1,871 |
| Retained earnings to average equity (ytd only) | 8.0907% | 1,091 |
| Net charge-offs to loans | 0.1433% | 4,263 |
| Credit loss provision to net charge-offs | 170.1299% | 1,555 |
| Earnings coverage of net charge-offs (x) | 14.1645% | 1,759 |
| Efficiency ratio | 60.8097% | 5,413 |
| Assets per employee ($millions) | 3.5810% | 4,823 |
| Cash dividends to net income (ytd only)* | 25.1659% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4033% | 4,162 |
| Loan loss allowance to noncurrent loans | 68.2399% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.8428% | 1,685 |
| Noncurrent loans to loans | 2.0564% | 2,630 |
| Net loans and leases to total assets | 83.0613% | 263 |
| Net loans and leases to deposits | 96.5957% | 586 |
| Net loans and leases to core deposits | 105.8344% | 699 |
| Total domestic deposits to total assets | 85.9886% | 3,366 |
| Equity capital to assets | 9.9449% | 4,250 |
| Core capital (leverage) ratio | 9.9911% | 3,414 |
| Tier 1 risk-based capital ratio | 11.4499% | 6,138 |
| Total risk-based capital ratio | 12.7376% | 6,079 |
| Memoranda: | ||
| Average total assets | $391,841,200 | 1,673 |
| Average earning assets | $365,959,400 | 1,636 |
| Average equity | $37,635,600 | 1,845 |
| Average total loans | $322,362,600 | 1,309 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 3,587 |
| Cost of funding earning assets | 0.8000% | 2,938 |
| Net interest margin | 3.7128% | 3,737 |
| Noninterest income to average assets | 0.7301% | 2,570 |
| Noninterest expense to average assets | 2.5773% | 4,815 |
| Loan and lease loss provision to assets | 0.2145% | 2,925 |
| Net operating income to assets | 0.9862% | 2,580 |
| Return on assets (ROA) | 0.9862% | 2,805 |
| Pretax return on assets | 1.4124% | 2,191 |
| Return on Equity (ROE) | 10.3616% | 2,191 |
| Retained earnings to average equity (ytd only) | 6.7235% | 2,268 |
| Net charge-offs to loans | 0.0702% | 4,708 |
| Credit loss provision to net charge-offs | 373.8095% | 724 |
| Earnings coverage of net charge-offs (x) | 28.3577% | 1,150 |
| Efficiency ratio | 61.3029% | 5,262 |
| Assets per employee ($millions) | 3.5012% | 4,981 |
| Cash dividends to net income (ytd only)* | 35.1109% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 4,149 |
| Loan loss allowance to noncurrent loans | 47.7578% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 2.8688% | 1,832 |
| Noncurrent loans to loans | 3.0388% | 1,833 |
| Net loans and leases to total assets | 82.9848% | 277 |
| Net loans and leases to deposits | 96.1609% | 649 |
| Net loans and leases to core deposits | 105.9213% | 745 |
| Total domestic deposits to total assets | 86.2979% | 3,090 |
| Equity capital to assets | 9.6514% | 4,991 |
| Core capital (leverage) ratio | 9.6817% | 3,993 |
| Tier 1 risk-based capital ratio | 11.1431% | 6,423 |
| Total risk-based capital ratio | 12.3636% | 6,410 |
| Memoranda: | ||
| Average total assets | $390,428,500 | 1,699 |
| Average earning assets | $365,326,500 | 1,655 |
| Average equity | $37,162,000 | 1,889 |
| Average total loans | $319,238,000 | 1,330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 3,795 |
| Cost of funding earning assets | 0.8184% | 3,047 |
| Net interest margin | 3.6757% | 3,941 |
| Noninterest income to average assets | 0.7219% | 2,547 |
| Noninterest expense to average assets | 2.5125% | 5,098 |
| Loan and lease loss provision to assets | 0.1513% | 3,633 |
| Net operating income to assets | 1.0646% | 2,185 |
| Return on assets (ROA) | 1.0646% | 2,416 |
| Pretax return on assets | 1.4968% | 1,854 |
| Return on Equity (ROE) | 11.2382% | 1,904 |
| Retained earnings to average equity (ytd only) | 7.5989% | 1,815 |
| Net charge-offs to loans | 0.0674% | 4,487 |
| Credit loss provision to net charge-offs | 277.3585% | 1,058 |
| Earnings coverage of net charge-offs (x) | 30.2170% | 1,063 |
| Efficiency ratio | 60.3883% | 5,516 |
| Assets per employee ($millions) | 3.4403% | 5,109 |
| Cash dividends to net income (ytd only)* | 32.3828% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 4,392 |
| Loan loss allowance to noncurrent loans | 46.1002% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 2.8363% | 1,942 |
| Noncurrent loans to loans | 3.0744% | 1,913 |
| Net loans and leases to total assets | 80.9246% | 415 |
| Net loans and leases to deposits | 91.8830% | 964 |
| Net loans and leases to core deposits | 101.7305% | 992 |
| Total domestic deposits to total assets | 88.0736% | 2,095 |
| Equity capital to assets | 9.5819% | 4,934 |
| Core capital (leverage) ratio | 9.5876% | 4,020 |
| Tier 1 risk-based capital ratio | 11.1795% | 6,412 |
| Total risk-based capital ratio | 12.4687% | 6,368 |
| Memoranda: | ||
| Average total assets | $388,691,000 | 1,704 |
| Average earning assets | $363,634,670 | 1,664 |
| Average equity | $36,821,000 | 1,894 |
| Average total loans | $314,598,330 | 1,347 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4911% | 3,953 |
| Cost of funding earning assets | 0.8319% | 3,209 |
| Net interest margin | 3.6591% | 4,012 |
| Noninterest income to average assets | 0.6544% | 2,906 |
| Noninterest expense to average assets | 2.4459% | 5,327 |
| Loan and lease loss provision to assets | 0.2005% | 2,934 |
| Net operating income to assets | 1.0286% | 2,365 |
| Return on assets (ROA) | 1.0286% | 2,552 |
| Pretax return on assets | 1.4318% | 2,083 |
| Return on Equity (ROE) | 10.9216% | 2,047 |
| Retained earnings to average equity (ytd only) | 7.3213% | 2,270 |
| Net charge-offs to loans | 0.0823% | 3,676 |
| Credit loss provision to net charge-offs | 303.1250% | 973 |
| Earnings coverage of net charge-offs (x) | 24.6719% | 1,050 |
| Efficiency ratio | 59.9747% | 5,613 |
| Assets per employee ($millions) | 3.5318% | 5,046 |
| Cash dividends to net income (ytd only)* | 32.9648% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 4,465 |
| Loan loss allowance to noncurrent loans | 55.5213% | 4,762 |
| Noncurrent assets plus other real estate owned to assets | 2.3185% | 2,561 |
| Noncurrent loans to loans | 2.5775% | 2,528 |
| Net loans and leases to total assets | 78.4437% | 544 |
| Net loans and leases to deposits | 88.6960% | 1,087 |
| Net loans and leases to core deposits | 98.4376% | 1,097 |
| Total domestic deposits to total assets | 88.4411% | 2,041 |
| Equity capital to assets | 9.2976% | 5,097 |
| Core capital (leverage) ratio | 9.5677% | 3,961 |
| Tier 1 risk-based capital ratio | 11.2044% | 6,444 |
| Total risk-based capital ratio | 12.4948% | 6,400 |
| Memoranda: | ||
| Average total assets | $386,938,000 | 1,714 |
| Average earning assets | $362,051,500 | 1,676 |
| Average equity | $36,441,500 | 1,908 |
| Average total loans | $310,924,000 | 1,369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 3,866 |
| Cost of funding earning assets | 0.9919% | 3,437 |
| Net interest margin | 3.7971% | 3,830 |
| Noninterest income to average assets | 0.7376% | 2,405 |
| Noninterest expense to average assets | 2.6583% | 4,892 |
| Loan and lease loss provision to assets | 0.2004% | 4,183 |
| Net operating income to assets | 1.0205% | 2,133 |
| Return on assets (ROA) | 1.0205% | 2,275 |
| Pretax return on assets | 1.4368% | 1,661 |
| Return on Equity (ROE) | 11.2722% | 1,629 |
| Retained earnings to average equity (ytd only) | 6.4426% | 1,777 |
| Net charge-offs to loans | 0.1613% | 4,855 |
| Credit loss provision to net charge-offs | 150.0000% | 1,883 |
| Earnings coverage of net charge-offs (x) | 12.2541% | 1,640 |
| Efficiency ratio | 61.8855% | 5,478 |
| Assets per employee ($millions) | 3.4708% | 5,098 |
| Cash dividends to net income (ytd only)* | 42.8456% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4249% | 4,353 |
| Loan loss allowance to noncurrent loans | 59.8413% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.2225% | 2,711 |
| Noncurrent loans to loans | 2.3811% | 2,748 |
| Net loans and leases to total assets | 80.0062% | 495 |
| Net loans and leases to deposits | 90.9507% | 1,058 |
| Net loans and leases to core deposits | 101.0257% | 1,091 |
| Total domestic deposits to total assets | 87.9665% | 2,187 |
| Equity capital to assets | 9.5437% | 4,807 |
| Core capital (leverage) ratio | 10.0317% | 3,297 |
| Tier 1 risk-based capital ratio | 10.8832% | 6,514 |
| Total risk-based capital ratio | 12.1341% | 6,492 |
| Memoranda: | ||
| Average total assets | $362,256,200 | 1,796 |
| Average earning assets | $339,441,200 | 1,748 |
| Average equity | $32,797,400 | 2,033 |
| Average total loans | $300,107,200 | 1,418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 3,969 |
| Cost of funding earning assets | 1.0263% | 3,491 |
| Net interest margin | 3.7864% | 3,943 |
| Noninterest income to average assets | 0.6323% | 2,978 |
| Noninterest expense to average assets | 2.6600% | 4,872 |
| Loan and lease loss provision to assets | 0.2211% | 3,806 |
| Net operating income to assets | 0.9249% | 2,651 |
| Return on assets (ROA) | 0.9249% | 2,794 |
| Pretax return on assets | 1.2967% | 2,297 |
| Return on Equity (ROE) | 10.3635% | 2,080 |
| Retained earnings to average equity (ytd only) | 5.1254% | 3,095 |
| Net charge-offs to loans | 0.1358% | 4,695 |
| Credit loss provision to net charge-offs | 195.3947% | 1,497 |
| Earnings coverage of net charge-offs (x) | 13.4146% | 1,621 |
| Efficiency ratio | 63.6704% | 5,127 |
| Assets per employee ($millions) | 3.3874% | 5,273 |
| Cash dividends to net income (ytd only)* | 50.5431% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,317 |
| Loan loss allowance to noncurrent loans | 79.0207% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 2.1678% | 2,943 |
| Noncurrent loans to loans | 1.8408% | 3,579 |
| Net loans and leases to total assets | 81.1379% | 414 |
| Net loans and leases to deposits | 92.2981% | 989 |
| Net loans and leases to core deposits | 102.6461% | 1,061 |
| Total domestic deposits to total assets | 87.9086% | 2,087 |
| Equity capital to assets | 9.7081% | 4,769 |
| Core capital (leverage) ratio | 9.7292% | 3,805 |
| Tier 1 risk-based capital ratio | 10.9363% | 6,581 |
| Total risk-based capital ratio | 12.1880% | 6,555 |
| Memoranda: | ||
| Average total assets | $358,242,250 | 1,817 |
| Average earning assets | $335,434,500 | 1,778 |
| Average equity | $31,970,500 | 2,078 |
| Average total loans | $298,372,000 | 1,439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 3,991 |
| Cost of funding earning assets | 1.0660% | 3,502 |
| Net interest margin | 3.7566% | 4,005 |
| Noninterest income to average assets | 0.7180% | 2,444 |
| Noninterest expense to average assets | 2.6093% | 5,152 |
| Loan and lease loss provision to assets | 0.2504% | 3,401 |
| Net operating income to assets | 0.9933% | 2,255 |
| Return on assets (ROA) | 0.9933% | 2,357 |
| Pretax return on assets | 1.3864% | 1,833 |
| Return on Equity (ROE) | 11.4802% | 1,649 |
| Retained earnings to average equity (ytd only) | 5.3913% | 2,743 |
| Net charge-offs to loans | 0.1295% | 4,443 |
| Credit loss provision to net charge-offs | 231.2500% | 1,300 |
| Earnings coverage of net charge-offs (x) | 15.1146% | 1,425 |
| Efficiency ratio | 61.4506% | 5,661 |
| Assets per employee ($millions) | 3.3802% | 5,254 |
| Cash dividends to net income (ytd only)* | 53.0380% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4555% | 4,310 |
| Loan loss allowance to noncurrent loans | 63.4535% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.2233% | 2,951 |
| Noncurrent loans to loans | 2.2938% | 3,111 |
| Net loans and leases to total assets | 82.8409% | 316 |
| Net loans and leases to deposits | 93.1325% | 935 |
| Net loans and leases to core deposits | 101.5992% | 1,204 |
| Total domestic deposits to total assets | 88.9495% | 1,566 |
| Equity capital to assets | 8.7265% | 5,909 |
| Core capital (leverage) ratio | 8.6471% | 5,308 |
| Tier 1 risk-based capital ratio | 9.6909% | 7,063 |
| Total risk-based capital ratio | 10.9425% | 7,068 |
| Memoranda: | ||
| Average total assets | $354,580,330 | 1,849 |
| Average earning assets | $333,016,670 | 1,792 |
| Average equity | $30,679,000 | 2,145 |
| Average total loans | $296,494,000 | 1,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8464% | 3,841 |
| Cost of funding earning assets | 1.1089% | 3,470 |
| Net interest margin | 3.7375% | 3,904 |
| Noninterest income to average assets | 0.6952% | 2,607 |
| Noninterest expense to average assets | 2.5777% | 5,302 |
| Loan and lease loss provision to assets | 0.2676% | 2,998 |
| Net operating income to assets | 0.9741% | 2,267 |
| Return on assets (ROA) | 0.9741% | 2,331 |
| Pretax return on assets | 1.3586% | 1,858 |
| Return on Equity (ROE) | 11.3082% | 1,642 |
| Retained earnings to average equity (ytd only) | 3.1726% | 4,269 |
| Net charge-offs to loans | 0.1496% | 3,591 |
| Credit loss provision to net charge-offs | 214.5455% | 1,398 |
| Earnings coverage of net charge-offs (x) | 13.0364% | 1,463 |
| Efficiency ratio | 61.3164% | 5,793 |
| Assets per employee ($millions) | 3.4239% | 5,180 |
| Cash dividends to net income (ytd only)* | 71.9441% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 4,457 |
| Loan loss allowance to noncurrent loans | 62.5533% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.2635% | 2,988 |
| Noncurrent loans to loans | 2.3114% | 3,176 |
| Net loans and leases to total assets | 81.5088% | 386 |
| Net loans and leases to deposits | 91.6724% | 1,047 |
| Net loans and leases to core deposits | 100.3794% | 1,308 |
| Total domestic deposits to total assets | 88.9131% | 1,826 |
| Equity capital to assets | 8.5757% | 5,805 |
| Core capital (leverage) ratio | 8.6230% | 5,225 |
| Tier 1 risk-based capital ratio | 9.7566% | 7,074 |
| Total risk-based capital ratio | 11.0083% | 7,083 |
| Memoranda: | ||
| Average total assets | $352,721,000 | 1,869 |
| Average earning assets | $331,131,500 | 1,812 |
| Average equity | $30,385,000 | 2,155 |
| Average total loans | $294,140,000 | 1,494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1921% | 3,649 |
| Cost of funding earning assets | 1.2965% | 3,908 |
| Net interest margin | 3.8956% | 3,510 |
| Noninterest income to average assets | 0.8929% | 1,873 |
| Noninterest expense to average assets | 2.6801% | 5,084 |
| Loan and lease loss provision to assets | 0.3514% | 4,022 |
| Net operating income to assets | 1.0573% | 1,847 |
| Return on assets (ROA) | 1.0573% | 1,944 |
| Pretax return on assets | 1.4803% | 1,426 |
| Return on Equity (ROE) | 12.4726% | 1,228 |
| Retained earnings to average equity (ytd only) | 8.3243% | 882 |
| Net charge-offs to loans | 0.6475% | 3,075 |
| Credit loss provision to net charge-offs | 65.0596% | 5,984 |
| Earnings coverage of net charge-offs (x) | 3.3917% | 3,384 |
| Efficiency ratio | 59.4022% | 6,135 |
| Assets per employee ($millions) | 3.3272% | 5,369 |
| Cash dividends to net income (ytd only)* | 33.2595% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,478 |
| Loan loss allowance to noncurrent loans | 62.9494% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 2.2086% | 3,082 |
| Noncurrent loans to loans | 2.2343% | 3,289 |
| Net loans and leases to total assets | 82.9093% | 389 |
| Net loans and leases to deposits | 94.0657% | 1,063 |
| Net loans and leases to core deposits | 103.3262% | 1,364 |
| Total domestic deposits to total assets | 88.1398% | 2,160 |
| Equity capital to assets | 8.6540% | 5,649 |
| Core capital (leverage) ratio | 8.6090% | 5,184 |
| Tier 1 risk-based capital ratio | 9.8045% | 7,049 |
| Total risk-based capital ratio | 11.0559% | 7,045 |
| Memoranda: | ||
| Average total assets | $341,821,400 | 1,912 |
| Average earning assets | $317,540,000 | 1,873 |
| Average equity | $28,975,400 | 2,242 |
| Average total loans | $285,111,400 | 1,574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 3,887 |
| Cost of funding earning assets | 1.3277% | 4,050 |
| Net interest margin | 3.8613% | 3,701 |
| Noninterest income to average assets | 0.8146% | 2,157 |
| Noninterest expense to average assets | 2.6388% | 5,159 |
| Loan and lease loss provision to assets | 0.3828% | 3,593 |
| Net operating income to assets | 0.9762% | 2,316 |
| Return on assets (ROA) | 0.9762% | 2,432 |
| Pretax return on assets | 1.3712% | 1,964 |
| Return on Equity (ROE) | 11.5787% | 1,623 |
| Retained earnings to average equity (ytd only) | 7.3873% | 1,651 |
| Net charge-offs to loans | 0.8072% | 2,433 |
| Credit loss provision to net charge-offs | 56.9761% | 5,763 |
| Earnings coverage of net charge-offs (x) | 2.6106% | 3,846 |
| Efficiency ratio | 60.0714% | 5,941 |
| Assets per employee ($millions) | 3.3396% | 5,356 |
| Cash dividends to net income (ytd only)* | 36.1992% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3761% | 4,595 |
| Loan loss allowance to noncurrent loans | 64.5311% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 2.1055% | 3,326 |
| Noncurrent loans to loans | 2.1325% | 3,537 |
| Net loans and leases to total assets | 83.3432% | 376 |
| Net loans and leases to deposits | 96.6062% | 917 |
| Net loans and leases to core deposits | 104.9462% | 1,403 |
| Total domestic deposits to total assets | 86.2710% | 2,935 |
| Equity capital to assets | 8.5451% | 6,223 |
| Core capital (leverage) ratio | 8.5052% | 5,496 |
| Tier 1 risk-based capital ratio | 9.6444% | 7,211 |
| Total risk-based capital ratio | 10.8954% | 7,201 |
| Memoranda: | ||
| Average total assets | $339,938,250 | 1,950 |
| Average earning assets | $315,012,000 | 1,914 |
| Average equity | $28,661,000 | 2,298 |
| Average total loans | $282,944,500 | 1,599 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 3,875 |
| Cost of funding earning assets | 1.3608% | 4,114 |
| Net interest margin | 3.8542% | 3,659 |
| Noninterest income to average assets | 0.8066% | 2,083 |
| Noninterest expense to average assets | 2.6188% | 5,248 |
| Loan and lease loss provision to assets | 0.3046% | 3,957 |
| Net operating income to assets | 1.0318% | 2,078 |
| Return on assets (ROA) | 1.0318% | 2,156 |
| Pretax return on assets | 1.4567% | 1,678 |
| Return on Equity (ROE) | 12.2945% | 1,383 |
| Retained earnings to average equity (ytd only) | 8.0574% | 1,419 |
| Net charge-offs to loans | 0.4338% | 3,257 |
| Credit loss provision to net charge-offs | 84.8185% | 4,573 |
| Earnings coverage of net charge-offs (x) | 4.9043% | 2,811 |
| Efficiency ratio | 59.7889% | 6,083 |
| Assets per employee ($millions) | 3.2210% | 5,633 |
| Cash dividends to net income (ytd only)* | 34.4630% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6517% | 3,245 |
| Loan loss allowance to noncurrent loans | 66.7664% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 2.3639% | 3,052 |
| Noncurrent loans to loans | 2.4738% | 3,175 |
| Net loans and leases to total assets | 81.7057% | 572 |
| Net loans and leases to deposits | 92.1908% | 1,499 |
| Net loans and leases to core deposits | 99.8136% | 2,040 |
| Total domestic deposits to total assets | 88.6268% | 1,655 |
| Equity capital to assets | 8.4848% | 6,178 |
| Core capital (leverage) ratio | 8.4389% | 5,514 |
| Tier 1 risk-based capital ratio | 9.7329% | 7,169 |
| Total risk-based capital ratio | 10.9874% | 7,159 |
| Memoranda: | ||
| Average total assets | $337,476,670 | 1,970 |
| Average earning assets | $312,905,330 | 1,950 |
| Average equity | $28,321,670 | 2,315 |
| Average total loans | $279,423,000 | 1,639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2888% | 3,597 |
| Cost of funding earning assets | 1.4014% | 4,167 |
| Net interest margin | 3.8874% | 3,384 |
| Noninterest income to average assets | 0.7976% | 2,032 |
| Noninterest expense to average assets | 2.6205% | 5,263 |
| Loan and lease loss provision to assets | 0.4113% | 2,900 |
| Net operating income to assets | 0.9621% | 2,326 |
| Return on assets (ROA) | 0.9621% | 2,387 |
| Pretax return on assets | 1.3508% | 1,901 |
| Return on Equity (ROE) | 11.5294% | 1,633 |
| Retained earnings to average equity (ytd only) | 7.2434% | 2,032 |
| Net charge-offs to loans | 0.7183% | 2,065 |
| Credit loss provision to net charge-offs | 69.2771% | 4,114 |
| Earnings coverage of net charge-offs (x) | 2.9679% | 3,068 |
| Efficiency ratio | 59.7933% | 6,215 |
| Assets per employee ($millions) | 3.3054% | 5,530 |
| Cash dividends to net income (ytd only)* | 37.1747% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 3,156 |
| Loan loss allowance to noncurrent loans | 64.7438% | 4,132 |
| Noncurrent assets plus other real estate owned to assets | 2.4111% | 3,017 |
| Noncurrent loans to loans | 2.5866% | 3,085 |
| Net loans and leases to total assets | 80.5251% | 762 |
| Net loans and leases to deposits | 90.9105% | 1,771 |
| Net loans and leases to core deposits | 99.4698% | 2,185 |
| Total domestic deposits to total assets | 88.5762% | 1,747 |
| Equity capital to assets | 8.3922% | 6,166 |
| Core capital (leverage) ratio | 8.4505% | 5,465 |
| Tier 1 risk-based capital ratio | 9.7493% | 7,181 |
| Total risk-based capital ratio | 11.0040% | 7,178 |
| Memoranda: | ||
| Average total assets | $335,503,000 | 2,038 |
| Average earning assets | $309,409,500 | 2,020 |
| Average equity | $27,998,000 | 2,372 |
| Average total loans | $277,310,500 | 1,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6616% | 3,289 |
| Cost of funding earning assets | 1.7564% | 4,218 |
| Net interest margin | 3.9052% | 3,248 |
| Noninterest income to average assets | 0.8572% | 2,151 |
| Noninterest expense to average assets | 2.5250% | 6,041 |
| Loan and lease loss provision to assets | 0.8347% | 2,636 |
| Net operating income to assets | 0.8186% | 2,460 |
| Return on assets (ROA) | 0.8297% | 2,503 |
| Pretax return on assets | 1.1487% | 2,101 |
| Return on Equity (ROE) | 9.9386% | 1,712 |
| Retained earnings to average equity (ytd only) | 5.4381% | 1,604 |
| Net charge-offs to loans | 0.3583% | 4,435 |
| Credit loss provision to net charge-offs | 273.1557% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.4406% | 2,364 |
| Efficiency ratio | 56.1982% | 6,995 |
| Assets per employee ($millions) | 3.2731% | 5,555 |
| Cash dividends to net income (ytd only)* | 45.2830% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7152% | 2,850 |
| Loan loss allowance to noncurrent loans | 85.1667% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.9757% | 3,429 |
| Noncurrent loans to loans | 2.0139% | 3,633 |
| Net loans and leases to total assets | 81.9904% | 686 |
| Net loans and leases to deposits | 93.3102% | 1,691 |
| Net loans and leases to core deposits | 111.4916% | 2,749 |
| Total domestic deposits to total assets | 87.8686% | 2,029 |
| Equity capital to assets | 8.2975% | 6,199 |
| Core capital (leverage) ratio | 8.2627% | 5,696 |
| Tier 1 risk-based capital ratio | 9.5942% | 7,166 |
| Total risk-based capital ratio | 10.8496% | 7,142 |
| Memoranda: | ||
| Average total assets | $319,407,600 | 2,115 |
| Average earning assets | $297,369,800 | 2,093 |
| Average equity | $26,663,800 | 2,476 |
| Average total loans | $272,404,600 | 1,768 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6729% | 3,461 |
| Cost of funding earning assets | 1.7984% | 4,389 |
| Net interest margin | 3.8745% | 3,325 |
| Noninterest income to average assets | 0.8436% | 2,231 |
| Noninterest expense to average assets | 2.4982% | 6,069 |
| Loan and lease loss provision to assets | 0.9027% | 2,130 |
| Net operating income to assets | 0.7778% | 2,902 |
| Return on assets (ROA) | 0.7929% | 2,907 |
| Pretax return on assets | 1.0935% | 2,600 |
| Return on Equity (ROE) | 9.4831% | 2,106 |
| Retained earnings to average equity (ytd only) | 4.9385% | 2,526 |
| Net charge-offs to loans | 0.2943% | 4,185 |
| Credit loss provision to net charge-offs | 357.5251% | 1,146 |
| Earnings coverage of net charge-offs (x) | 7.8244% | 2,343 |
| Efficiency ratio | 55.8418% | 7,020 |
| Assets per employee ($millions) | 3.3217% | 5,336 |
| Cash dividends to net income (ytd only)* | 47.9233% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6451% | 2,823 |
| Loan loss allowance to noncurrent loans | 100.0649% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 1.7236% | 3,784 |
| Noncurrent loans to loans | 1.6440% | 4,181 |
| Net loans and leases to total assets | 84.9815% | 440 |
| Net loans and leases to deposits | 96.8560% | 1,467 |
| Net loans and leases to core deposits | 117.8540% | 2,432 |
| Total domestic deposits to total assets | 87.7400% | 1,783 |
| Equity capital to assets | 8.3470% | 6,449 |
| Core capital (leverage) ratio | 8.3293% | 5,785 |
| Tier 1 risk-based capital ratio | 9.5265% | 7,351 |
| Total risk-based capital ratio | 10.7813% | 7,314 |
| Memoranda: | ||
| Average total assets | $315,794,500 | 2,143 |
| Average earning assets | $295,877,500 | 2,117 |
| Average equity | $26,404,250 | 2,513 |
| Average total loans | $270,878,250 | 1,791 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6853% | 3,636 |
| Cost of funding earning assets | 1.8258% | 4,629 |
| Net interest margin | 3.8596% | 3,290 |
| Noninterest income to average assets | 0.7813% | 2,511 |
| Noninterest expense to average assets | 2.5327% | 6,010 |
| Loan and lease loss provision to assets | 1.1441% | 1,502 |
| Net operating income to assets | 0.5398% | 3,936 |
| Return on assets (ROA) | 0.5638% | 3,944 |
| Pretax return on assets | 0.7468% | 3,841 |
| Return on Equity (ROE) | 6.7385% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.4439% | 2,821 |
| Net charge-offs to loans | 0.2894% | 3,745 |
| Credit loss provision to net charge-offs | 462.0155% | 1,003 |
| Earnings coverage of net charge-offs (x) | 7.5065% | 2,433 |
| Efficiency ratio | 57.6716% | 6,913 |
| Assets per employee ($millions) | 3.1701% | 5,663 |
| Cash dividends to net income (ytd only)* | 34.0522% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6293% | 2,616 |
| Loan loss allowance to noncurrent loans | 78.2836% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.9339% | 3,296 |
| Noncurrent loans to loans | 2.0813% | 3,413 |
| Net loans and leases to total assets | 84.6310% | 545 |
| Net loans and leases to deposits | 98.8155% | 1,419 |
| Net loans and leases to core deposits | 115.1928% | 2,788 |
| Total domestic deposits to total assets | 85.6454% | 2,943 |
| Equity capital to assets | 8.2539% | 6,411 |
| Core capital (leverage) ratio | 8.3904% | 5,638 |
| Tier 1 risk-based capital ratio | 9.7646% | 7,173 |
| Total risk-based capital ratio | 11.0194% | 7,111 |
| Memoranda: | ||
| Average total assets | $312,549,000 | 2,184 |
| Average earning assets | $292,365,670 | 2,154 |
| Average equity | $26,148,330 | 2,546 |
| Average total loans | $267,415,000 | 1,844 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6895% | 3,858 |
| Cost of funding earning assets | 1.8696% | 4,793 |
| Net interest margin | 3.8199% | 3,374 |
| Noninterest income to average assets | 0.7476% | 2,614 |
| Noninterest expense to average assets | 2.4176% | 6,136 |
| Loan and lease loss provision to assets | 0.6815% | 1,856 |
| Net operating income to assets | 0.8771% | 2,809 |
| Return on assets (ROA) | 0.8771% | 2,952 |
| Pretax return on assets | 1.2088% | 2,597 |
| Return on Equity (ROE) | 10.4118% | 2,163 |
| Retained earnings to average equity (ytd only) | 5.7980% | 2,728 |
| Net charge-offs to loans | 0.2809% | 2,992 |
| Credit loss provision to net charge-offs | 284.3243% | 1,696 |
| Earnings coverage of net charge-offs (x) | 7.8865% | 2,280 |
| Efficiency ratio | 56.1203% | 6,959 |
| Assets per employee ($millions) | 3.1987% | 5,596 |
| Cash dividends to net income (ytd only)* | 44.3131% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2663% | 4,300 |
| Loan loss allowance to noncurrent loans | 77.3640% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 3,849 |
| Noncurrent loans to loans | 1.6368% | 3,820 |
| Net loans and leases to total assets | 84.4016% | 631 |
| Net loans and leases to deposits | 102.8780% | 1,105 |
| Net loans and leases to core deposits | 119.5806% | 2,456 |
| Total domestic deposits to total assets | 82.0405% | 4,533 |
| Equity capital to assets | 8.2937% | 6,401 |
| Core capital (leverage) ratio | 8.4510% | 5,627 |
| Tier 1 risk-based capital ratio | 9.7566% | 7,197 |
| Total risk-based capital ratio | 11.0072% | 7,104 |
| Memoranda: | ||
| Average total assets | $308,735,500 | 2,221 |
| Average earning assets | $287,759,500 | 2,196 |
| Average equity | $26,009,000 | 2,570 |
| Average total loans | $263,394,500 | 1,881 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1427% | 4,813 |
| Cost of funding earning assets | 2.3451% | 4,948 |
| Net interest margin | 3.7976% | 4,033 |
| Noninterest income to average assets | 0.8861% | 2,024 |
| Noninterest expense to average assets | 2.4880% | 6,055 |
| Loan and lease loss provision to assets | 0.4633% | 2,981 |
| Net operating income to assets | 1.0397% | 2,402 |
| Return on assets (ROA) | 1.0397% | 2,287 |
| Pretax return on assets | 1.4727% | 1,756 |
| Return on Equity (ROE) | 11.6974% | 1,686 |
| Retained earnings to average equity (ytd only) | 6.9408% | 1,172 |
| Net charge-offs to loans | 0.2621% | 3,664 |
| Credit loss provision to net charge-offs | 210.0639% | 2,295 |
| Earnings coverage of net charge-offs (x) | 8.7780% | 2,822 |
| Efficiency ratio | 56.2395% | 6,973 |
| Assets per employee ($millions) | 3.0384% | 5,962 |
| Cash dividends to net income (ytd only)* | 40.6642% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 4,486 |
| Loan loss allowance to noncurrent loans | 67.9059% | 4,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5113% | 3,194 |
| Noncurrent loans to loans | 1.7752% | 3,101 |
| Net loans and leases to total assets | 84.1086% | 869 |
| Net loans and leases to deposits | 105.0643% | 1,224 |
| Net loans and leases to core deposits | 118.6465% | 2,821 |
| Total domestic deposits to total assets | 80.0544% | 4,999 |
| Equity capital to assets | 8.5619% | 5,993 |
| Core capital (leverage) ratio | 8.6322% | 5,318 |
| Tier 1 risk-based capital ratio | 9.9389% | 6,808 |
| Total risk-based capital ratio | 11.1385% | 6,739 |
| Memoranda: | ||
| Average total assets | $283,842,000 | 2,294 |
| Average earning assets | $264,427,200 | 2,254 |
| Average equity | $25,227,800 | 2,624 |
| Average total loans | $238,797,000 | 1,978 |