Home > KS Bank, Inc. > Performance and Condition Ratios
KS Bank, Inc., 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 | 5.8275% | 1,436 |
| Cost of funding earning assets | 1.9646% | 2,025 |
| Net interest margin | 3.8629% | 1,545 |
| Noninterest income to average assets | 0.5600% | 1,482 |
| Noninterest expense to average assets | 2.5432% | 2,170 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.2546% | 1,584 |
| Return on assets (ROA) | 1.2546% | 1,582 |
| Pretax return on assets | 1.6140% | 1,278 |
| Return on Equity (ROE) | 15.6600% | 954 |
| Retained earnings to average equity (ytd only) | 11.7671% | 832 |
| Net charge-offs to loans | 0.0043% | 2,113 |
| Credit loss provision to net charge-offs | 3,250.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 507.0000% | 195 |
| Efficiency ratio | 59.5909% | 3,013 |
| Assets per employee ($millions) | 7.3582% | 1,977 |
| Cash dividends to net income (ytd only)* | 24.8531% | 1,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7860% | 3,894 |
| Loan loss allowance to noncurrent loans | 632.8592% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 3,025 |
| Noncurrent loans to loans | 0.1242% | 3,052 |
| Net loans and leases to total assets | 77.8800% | 850 |
| Net loans and leases to deposits | 85.3209% | 1,559 |
| Net loans and leases to core deposits | 94.0701% | 1,761 |
| Total domestic deposits to total assets | 91.2800% | 449 |
| Equity capital to assets | 7.9825% | 3,601 |
| Core capital (leverage) ratio | 9.3136% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $705,567,000 | 1,355 |
| Average earning assets | $676,794,500 | 1,329 |
| Average equity | $56,530,500 | 1,613 |
| Average total loans | $562,407,500 | 1,215 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 1,728 |
| Cost of funding earning assets | 2.0745% | 2,035 |
| Net interest margin | 3.6373% | 1,812 |
| Noninterest income to average assets | 0.5800% | 1,577 |
| Noninterest expense to average assets | 2.6414% | 1,897 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.0230% | 1,977 |
| Return on assets (ROA) | 1.0229% | 1,979 |
| Pretax return on assets | 1.3448% | 1,647 |
| Return on Equity (ROE) | 12.5800% | 1,468 |
| Retained earnings to average equity (ytd only) | 8.9017% | 826 |
| Net charge-offs to loans | 0.0014% | 3,001 |
| Credit loss provision to net charge-offs | 7,157.1429% | 71 |
| Earnings coverage of net charge-offs (x) | 1,344.1429% | 88 |
| Efficiency ratio | 65.0470% | 2,596 |
| Assets per employee ($millions) | 7.1137% | 2,089 |
| Cash dividends to net income (ytd only)* | 29.2435% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 3,958 |
| Loan loss allowance to noncurrent loans | 541.1690% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 2,907 |
| Noncurrent loans to loans | 0.1408% | 2,963 |
| Net loans and leases to total assets | 80.3600% | 613 |
| Net loans and leases to deposits | 89.6114% | 1,238 |
| Net loans and leases to core deposits | 97.4917% | 1,623 |
| Total domestic deposits to total assets | 89.6800% | 918 |
| Equity capital to assets | 8.0429% | 3,479 |
| Core capital (leverage) ratio | 9.2359% | 3,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $662,918,400 | 1,401 |
| Average earning assets | $635,190,200 | 1,361 |
| Average equity | $53,900,000 | 1,636 |
| Average total loans | $511,455,000 | 1,270 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6253% | 1,853 |
| Cost of funding earning assets | 2.0781% | 2,032 |
| Net interest margin | 3.5472% | 1,923 |
| Noninterest income to average assets | 0.5700% | 1,582 |
| Noninterest expense to average assets | 2.5624% | 2,054 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.0127% | 2,003 |
| Return on assets (ROA) | 1.0126% | 2,004 |
| Pretax return on assets | 1.3159% | 1,726 |
| Return on Equity (ROE) | 12.4200% | 1,507 |
| Retained earnings to average equity (ytd only) | 8.6502% | 1,212 |
| Net charge-offs to loans | 0.0019% | 2,714 |
| Credit loss provision to net charge-offs | 6,485.7143% | 81 |
| Earnings coverage of net charge-offs (x) | 990.1429% | 121 |
| Efficiency ratio | 64.5310% | 2,653 |
| Assets per employee ($millions) | 7.0704% | 2,096 |
| Cash dividends to net income (ytd only)* | 30.3432% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 3,899 |
| Loan loss allowance to noncurrent loans | 643.0534% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 3,064 |
| Noncurrent loans to loans | 0.1254% | 3,053 |
| Net loans and leases to total assets | 75.5200% | 1,190 |
| Net loans and leases to deposits | 82.9605% | 1,885 |
| Net loans and leases to core deposits | 90.2686% | 2,129 |
| Total domestic deposits to total assets | 91.0300% | 338 |
| Equity capital to assets | 8.2808% | 3,543 |
| Core capital (leverage) ratio | 9.2846% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $656,139,750 | 1,408 |
| Average earning assets | $628,689,250 | 1,368 |
| Average equity | $53,500,250 | 1,640 |
| Average total loans | $499,624,000 | 1,285 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5322% | 1,915 |
| Cost of funding earning assets | 1.9748% | 2,182 |
| Net interest margin | 3.5574% | 1,857 |
| Noninterest income to average assets | 0.5700% | 1,568 |
| Noninterest expense to average assets | 2.5687% | 2,039 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.0436% | 1,860 |
| Return on assets (ROA) | 1.0436% | 1,872 |
| Pretax return on assets | 1.3230% | 1,638 |
| Return on Equity (ROE) | 12.8700% | 1,393 |
| Retained earnings to average equity (ytd only) | 8.9270% | 1,118 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 64.5513% | 2,699 |
| Assets per employee ($millions) | 6.8177% | 2,193 |
| Cash dividends to net income (ytd only)* | 30.6346% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7963% | 3,944 |
| Loan loss allowance to noncurrent loans | 507.9046% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 2,855 |
| Noncurrent loans to loans | 0.1568% | 2,876 |
| Net loans and leases to total assets | 75.4800% | 1,239 |
| Net loans and leases to deposits | 82.6824% | 1,956 |
| Net loans and leases to core deposits | 90.0223% | 2,145 |
| Total domestic deposits to total assets | 91.2900% | 390 |
| Equity capital to assets | 8.0483% | 3,396 |
| Core capital (leverage) ratio | 9.4866% | 3,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $646,242,667 | 1,428 |
| Average earning assets | $619,393,000 | 1,385 |
| Average equity | $52,403,000 | 1,638 |
| Average total loans | $492,118,667 | 1,299 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4540% | 1,905 |
| Cost of funding earning assets | 1.9638% | 2,083 |
| Net interest margin | 3.4902% | 1,920 |
| Noninterest income to average assets | 0.5700% | 1,470 |
| Noninterest expense to average assets | 2.5695% | 2,054 |
| Loan and lease loss provision to assets | 0.1100% | 944 |
| Net operating income to assets | 0.9690% | 2,026 |
| Return on assets (ROA) | 0.9690% | 2,034 |
| Pretax return on assets | 1.2429% | 1,787 |
| Return on Equity (ROE) | 11.9000% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.1420% | 1,287 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.5688% | 2,632 |
| Assets per employee ($millions) | 6.9225% | 2,137 |
| Cash dividends to net income (ytd only)* | 23.1969% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8007% | 3,941 |
| Loan loss allowance to noncurrent loans | 450.1144% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 2,751 |
| Noncurrent loans to loans | 0.1779% | 2,732 |
| Net loans and leases to total assets | 74.1100% | 1,320 |
| Net loans and leases to deposits | 81.2037% | 1,953 |
| Net loans and leases to core deposits | 88.0715% | 2,165 |
| Total domestic deposits to total assets | 91.2600% | 464 |
| Equity capital to assets | 7.9932% | 3,373 |
| Core capital (leverage) ratio | 9.6262% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $635,294,500 | 1,454 |
| Average earning assets | $609,241,000 | 1,408 |
| Average equity | $51,717,500 | 1,650 |
| Average total loans | $483,987,000 | 1,316 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2464% | 1,584 |
| Cost of funding earning assets | 1.4986% | 1,944 |
| Net interest margin | 3.7479% | 1,653 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.6746% | 1,809 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 1.1640% | 1,742 |
| Return on assets (ROA) | 1.1640% | 1,719 |
| Pretax return on assets | 1.4698% | 1,490 |
| Return on Equity (ROE) | 14.3500% | 1,416 |
| Retained earnings to average equity (ytd only) | 10.4317% | 918 |
| Net charge-offs to loans | -0.0067% | 3,908 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.7742% | 2,634 |
| Assets per employee ($millions) | 6.8106% | 2,200 |
| Cash dividends to net income (ytd only)* | 27.3246% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 3,993 |
| Loan loss allowance to noncurrent loans | 422.0852% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 2,549 |
| Noncurrent loans to loans | 0.1871% | 2,580 |
| Net loans and leases to total assets | 77.1500% | 957 |
| Net loans and leases to deposits | 86.6954% | 1,560 |
| Net loans and leases to core deposits | 94.1726% | 1,762 |
| Total domestic deposits to total assets | 88.9900% | 1,067 |
| Equity capital to assets | 8.2990% | 3,200 |
| Core capital (leverage) ratio | 9.6673% | 3,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $586,658,800 | 1,508 |
| Average earning assets | $562,268,600 | 1,462 |
| Average equity | $47,576,000 | 1,665 |
| Average total loans | $444,758,400 | 1,359 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 1,357 |
| Cost of funding earning assets | 1.2213% | 1,922 |
| Net interest margin | 3.8879% | 1,449 |
| Noninterest income to average assets | 0.6000% | 1,452 |
| Noninterest expense to average assets | 2.7018% | 1,642 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.2542% | 1,685 |
| Return on assets (ROA) | 1.2542% | 1,677 |
| Pretax return on assets | 1.5900% | 1,429 |
| Return on Equity (ROE) | 15.3500% | 1,400 |
| Retained earnings to average equity (ytd only) | 11.3730% | 1,107 |
| Net charge-offs to loans | 0.0005% | 2,439 |
| Credit loss provision to net charge-offs | 9,400.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 4,655.0000% | 19 |
| Efficiency ratio | 62.3930% | 2,663 |
| Assets per employee ($millions) | 6.7423% | 2,106 |
| Cash dividends to net income (ytd only)* | 25.8856% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8008% | 4,020 |
| Loan loss allowance to noncurrent loans | 420.7390% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 2,550 |
| Noncurrent loans to loans | 0.1903% | 2,510 |
| Net loans and leases to total assets | 74.5400% | 1,222 |
| Net loans and leases to deposits | 81.9011% | 1,835 |
| Net loans and leases to core deposits | 88.0218% | 1,929 |
| Total domestic deposits to total assets | 91.0100% | 647 |
| Equity capital to assets | 8.2333% | 3,065 |
| Core capital (leverage) ratio | 9.6837% | 3,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $571,701,000 | 1,553 |
| Average earning assets | $548,113,333 | 1,503 |
| Average equity | $46,724,667 | 1,676 |
| Average total loans | $430,447,667 | 1,374 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0256% | 1,182 |
| Cost of funding earning assets | 1.0384% | 1,922 |
| Net interest margin | 3.9872% | 1,284 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.7257% | 1,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3200% | 1,622 |
| Return on assets (ROA) | 1.3200% | 1,589 |
| Pretax return on assets | 1.6730% | 1,334 |
| Return on Equity (ROE) | 16.2100% | 1,312 |
| Retained earnings to average equity (ytd only) | 12.7820% | 1,125 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.9662% | 2,704 |
| Assets per employee ($millions) | 6.4583% | 2,365 |
| Cash dividends to net income (ytd only)* | 21.1600% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 4,097 |
| Loan loss allowance to noncurrent loans | 404.8292% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 2,490 |
| Noncurrent loans to loans | 0.1966% | 2,493 |
| Net loans and leases to total assets | 73.6900% | 1,243 |
| Net loans and leases to deposits | 81.0492% | 1,743 |
| Net loans and leases to core deposits | 87.1679% | 1,792 |
| Total domestic deposits to total assets | 90.9200% | 826 |
| Equity capital to assets | 8.2599% | 3,071 |
| Core capital (leverage) ratio | 9.6627% | 3,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $564,260,000 | 1,587 |
| Average earning assets | $540,835,500 | 1,536 |
| Average equity | $45,939,500 | 1,711 |
| Average total loans | $425,280,500 | 1,403 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 1,433 |
| Cost of funding earning assets | 0.2230% | 3,573 |
| Net interest margin | 3.8947% | 963 |
| Noninterest income to average assets | 0.6400% | 1,496 |
| Noninterest expense to average assets | 2.5714% | 1,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4168% | 1,088 |
| Return on assets (ROA) | 1.4168% | 1,056 |
| Pretax return on assets | 1.7947% | 746 |
| Return on Equity (ROE) | 18.1600% | 678 |
| Retained earnings to average equity (ytd only) | 15.1803% | 281 |
| Net charge-offs to loans | -0.0121% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8943% | 3,203 |
| Assets per employee ($millions) | 6.2904% | 2,522 |
| Cash dividends to net income (ytd only)* | 16.3965% | 3,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,336 |
| Loan loss allowance to noncurrent loans | 556.3117% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,379 |
| Noncurrent loans to loans | 0.2175% | 2,401 |
| Net loans and leases to total assets | 75.6000% | 1,047 |
| Net loans and leases to deposits | 85.8014% | 1,328 |
| Net loans and leases to core deposits | 89.5873% | 1,525 |
| Total domestic deposits to total assets | 88.1100% | 2,034 |
| Equity capital to assets | 8.0158% | 3,051 |
| Core capital (leverage) ratio | 9.6177% | 3,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8419% | 2,436 |
| Memoranda: | ||
| Average total assets | $561,764,400 | 1,581 |
| Average earning assets | $537,651,000 | 1,531 |
| Average equity | $43,833,200 | 1,789 |
| Average total loans | $378,897,000 | 1,461 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 1,583 |
| Cost of funding earning assets | 0.1956% | 3,330 |
| Net interest margin | 3.6646% | 1,235 |
| Noninterest income to average assets | 0.6400% | 1,548 |
| Noninterest expense to average assets | 2.5094% | 1,991 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2980% | 1,358 |
| Return on assets (ROA) | 1.2980% | 1,324 |
| Pretax return on assets | 1.6413% | 1,025 |
| Return on Equity (ROE) | 16.7500% | 845 |
| Retained earnings to average equity (ytd only) | 13.8823% | 480 |
| Net charge-offs to loans | -0.0173% | 3,941 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.4568% | 3,059 |
| Assets per employee ($millions) | 6.5346% | 2,291 |
| Cash dividends to net income (ytd only)* | 17.0967% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 2,170 |
| Loan loss allowance to noncurrent loans | 511.0887% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 2,400 |
| Noncurrent loans to loans | 0.2488% | 2,387 |
| Net loans and leases to total assets | 70.0600% | 1,471 |
| Net loans and leases to deposits | 76.1662% | 1,863 |
| Net loans and leases to core deposits | 79.5241% | 1,932 |
| Total domestic deposits to total assets | 91.9800% | 880 |
| Equity capital to assets | 7.2731% | 3,357 |
| Core capital (leverage) ratio | 9.1505% | 3,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3137% | 2,352 |
| Memoranda: | ||
| Average total assets | $565,388,250 | 1,580 |
| Average earning assets | $541,230,000 | 1,529 |
| Average equity | $43,824,500 | 1,819 |
| Average total loans | $368,919,000 | 1,483 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 1,779 |
| Cost of funding earning assets | 0.2122% | 2,751 |
| Net interest margin | 3.4073% | 1,583 |
| Noninterest income to average assets | 0.6722% | 1,455 |
| Noninterest expense to average assets | 2.4451% | 2,096 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1777% | 1,510 |
| Return on assets (ROA) | 1.1777% | 1,485 |
| Pretax return on assets | 1.4873% | 1,208 |
| Return on Equity (ROE) | 14.8901% | 917 |
| Retained earnings to average equity (ytd only) | 12.1986% | 578 |
| Net charge-offs to loans | -0.0039% | 3,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1779% | 3,023 |
| Assets per employee ($millions) | 6.4471% | 2,352 |
| Cash dividends to net income (ytd only)* | 18.0755% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 1,965 |
| Loan loss allowance to noncurrent loans | 572.7790% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1584% | 2,598 |
| Noncurrent loans to loans | 0.2353% | 2,540 |
| Net loans and leases to total assets | 66.3808% | 1,645 |
| Net loans and leases to deposits | 72.4037% | 1,997 |
| Net loans and leases to core deposits | 76.3304% | 1,987 |
| Total domestic deposits to total assets | 91.6815% | 974 |
| Equity capital to assets | 7.6644% | 3,365 |
| Core capital (leverage) ratio | 8.7829% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7704% | 2,171 |
| Memoranda: | ||
| Average total assets | $566,527,000 | 1,587 |
| Average earning assets | $542,066,667 | 1,548 |
| Average equity | $44,808,333 | 1,836 |
| Average total loans | $358,963,333 | 1,505 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4466% | 1,955 |
| Cost of funding earning assets | 0.2751% | 1,881 |
| Net interest margin | 3.1716% | 1,966 |
| Noninterest income to average assets | 0.6120% | 1,640 |
| Noninterest expense to average assets | 2.3746% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0039% | 1,871 |
| Return on assets (ROA) | 1.0039% | 1,860 |
| Pretax return on assets | 1.2659% | 1,603 |
| Return on Equity (ROE) | 12.5052% | 1,157 |
| Retained earnings to average equity (ytd only) | 10.3731% | 937 |
| Net charge-offs to loans | -0.0034% | 3,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2274% | 2,871 |
| Assets per employee ($millions) | 6.9176% | 2,047 |
| Cash dividends to net income (ytd only)* | 17.0494% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,822 |
| Loan loss allowance to noncurrent loans | 565.8784% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,092 |
| Noncurrent loans to loans | 0.2515% | 2,585 |
| Net loans and leases to total assets | 60.6316% | 1,995 |
| Net loans and leases to deposits | 67.2406% | 2,223 |
| Net loans and leases to core deposits | 70.7830% | 2,230 |
| Total domestic deposits to total assets | 90.1712% | 1,461 |
| Equity capital to assets | 7.7670% | 3,754 |
| Core capital (leverage) ratio | 8.2436% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9788% | 2,215 |
| Memoranda: | ||
| Average total assets | $572,566,500 | 1,573 |
| Average earning assets | $546,734,500 | 1,540 |
| Average equity | $45,965,000 | 1,853 |
| Average total loans | $351,907,000 | 1,513 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9038% | 1,600 |
| Cost of funding earning assets | 0.3480% | 1,952 |
| Net interest margin | 3.5558% | 1,586 |
| Noninterest income to average assets | 0.5852% | 2,224 |
| Noninterest expense to average assets | 2.3957% | 2,502 |
| Loan and lease loss provision to assets | 0.0693% | 1,694 |
| Net operating income to assets | 1.2072% | 1,899 |
| Return on assets (ROA) | 1.2072% | 1,946 |
| Pretax return on assets | 1.5277% | 1,629 |
| Return on Equity (ROE) | 14.1896% | 1,131 |
| Retained earnings to average equity (ytd only) | 9.8149% | 965 |
| Net charge-offs to loans | -0.0025% | 3,407 |
| Credit loss provision to net charge-offs | -4,100.0000% | 4,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0028% | 3,151 |
| Assets per employee ($millions) | 6.7173% | 2,141 |
| Cash dividends to net income (ytd only)* | 30.8302% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 1,800 |
| Loan loss allowance to noncurrent loans | 556.7627% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 2,214 |
| Noncurrent loans to loans | 0.2572% | 2,689 |
| Net loans and leases to total assets | 60.5360% | 2,104 |
| Net loans and leases to deposits | 70.8282% | 2,036 |
| Net loans and leases to core deposits | 74.8268% | 2,014 |
| Total domestic deposits to total assets | 85.4689% | 3,101 |
| Equity capital to assets | 8.2902% | 4,186 |
| Core capital (leverage) ratio | 8.2931% | 4,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0854% | 2,208 |
| Memoranda: | ||
| Average total assets | $532,823,000 | 1,615 |
| Average earning assets | $510,607,400 | 1,575 |
| Average equity | $45,329,000 | 1,912 |
| Average total loans | $358,644,000 | 1,494 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 1,530 |
| Cost of funding earning assets | 0.3682% | 1,953 |
| Net interest margin | 3.6328% | 1,514 |
| Noninterest income to average assets | 0.5924% | 2,240 |
| Noninterest expense to average assets | 2.3879% | 2,475 |
| Loan and lease loss provision to assets | 0.0940% | 1,268 |
| Net operating income to assets | 1.2544% | 1,972 |
| Return on assets (ROA) | 1.2544% | 2,043 |
| Pretax return on assets | 1.5942% | 1,717 |
| Return on Equity (ROE) | 14.6424% | 1,213 |
| Retained earnings to average equity (ytd only) | 9.5177% | 1,476 |
| Net charge-offs to loans | -0.0015% | 3,173 |
| Credit loss provision to net charge-offs | -9,225.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5823% | 3,186 |
| Assets per employee ($millions) | 6.6537% | 2,134 |
| Cash dividends to net income (ytd only)* | 34.9990% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 1,951 |
| Loan loss allowance to noncurrent loans | 397.5436% | 1,617 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 2,098 |
| Noncurrent loans to loans | 0.3567% | 2,499 |
| Net loans and leases to total assets | 62.4022% | 1,957 |
| Net loans and leases to deposits | 73.1412% | 1,944 |
| Net loans and leases to core deposits | 77.2470% | 1,942 |
| Total domestic deposits to total assets | 85.3174% | 3,012 |
| Equity capital to assets | 8.2919% | 4,358 |
| Core capital (leverage) ratio | 8.4568% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6843% | 2,477 |
| Memoranda: | ||
| Average total assets | $523,285,250 | 1,653 |
| Average earning assets | $501,827,500 | 1,606 |
| Average equity | $44,827,500 | 1,953 |
| Average total loans | $360,638,250 | 1,517 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0047% | 1,554 |
| Cost of funding earning assets | 0.3858% | 2,006 |
| Net interest margin | 3.6188% | 1,550 |
| Noninterest income to average assets | 0.5886% | 2,270 |
| Noninterest expense to average assets | 2.3899% | 2,496 |
| Loan and lease loss provision to assets | 0.0962% | 1,305 |
| Net operating income to assets | 1.2358% | 2,062 |
| Return on assets (ROA) | 1.2358% | 2,128 |
| Pretax return on assets | 1.5725% | 1,814 |
| Return on Equity (ROE) | 14.2593% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.6531% | 2,211 |
| Net charge-offs to loans | -0.0011% | 3,102 |
| Credit loss provision to net charge-offs | -12,300.0000% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8842% | 3,167 |
| Assets per employee ($millions) | 6.2754% | 2,363 |
| Cash dividends to net income (ytd only)* | 46.3291% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 1,986 |
| Loan loss allowance to noncurrent loans | 878.2765% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 2,830 |
| Noncurrent loans to loans | 0.1591% | 3,419 |
| Net loans and leases to total assets | 64.7167% | 1,865 |
| Net loans and leases to deposits | 76.2174% | 1,797 |
| Net loans and leases to core deposits | 80.9285% | 1,810 |
| Total domestic deposits to total assets | 84.9107% | 3,130 |
| Equity capital to assets | 8.4262% | 4,257 |
| Core capital (leverage) ratio | 8.3525% | 4,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7504% | 2,457 |
| Memoranda: | ||
| Average total assets | $511,411,333 | 1,671 |
| Average earning assets | $490,377,000 | 1,635 |
| Average equity | $44,322,000 | 1,959 |
| Average total loans | $362,922,000 | 1,512 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 1,610 |
| Cost of funding earning assets | 0.4033% | 2,067 |
| Net interest margin | 3.5976% | 1,596 |
| Noninterest income to average assets | 0.5875% | 2,257 |
| Noninterest expense to average assets | 2.3756% | 2,580 |
| Loan and lease loss provision to assets | 0.0983% | 1,369 |
| Net operating income to assets | 1.2294% | 2,045 |
| Return on assets (ROA) | 1.2294% | 2,128 |
| Pretax return on assets | 1.5643% | 1,820 |
| Return on Equity (ROE) | 13.9786% | 1,432 |
| Retained earnings to average equity (ytd only) | 11.8700% | 1,179 |
| Net charge-offs to loans | 0.0032% | 1,812 |
| Credit loss provision to net charge-offs | 4,100.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 693.3333% | 135 |
| Efficiency ratio | 58.8282% | 3,181 |
| Assets per employee ($millions) | 6.2848% | 2,336 |
| Cash dividends to net income (ytd only)* | 15.0845% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 2,422 |
| Loan loss allowance to noncurrent loans | 849.1979% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,000 |
| Noncurrent loans to loans | 0.1535% | 3,563 |
| Net loans and leases to total assets | 69.9846% | 1,291 |
| Net loans and leases to deposits | 83.4859% | 1,196 |
| Net loans and leases to core deposits | 88.4682% | 1,330 |
| Total domestic deposits to total assets | 83.8280% | 3,490 |
| Equity capital to assets | 8.5929% | 4,053 |
| Core capital (leverage) ratio | 8.7713% | 3,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3905% | 2,532 |
| Memoranda: | ||
| Average total assets | $500,414,000 | 1,695 |
| Average earning assets | $479,987,000 | 1,649 |
| Average equity | $44,010,000 | 1,951 |
| Average total loans | $369,335,500 | 1,491 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,529 |
| Cost of funding earning assets | 0.7121% | 1,662 |
| Net interest margin | 3.7066% | 1,775 |
| Noninterest income to average assets | 0.5918% | 2,245 |
| Noninterest expense to average assets | 2.6539% | 2,373 |
| Loan and lease loss provision to assets | 0.1240% | 2,813 |
| Net operating income to assets | 1.0671% | 2,042 |
| Return on assets (ROA) | 1.0676% | 2,179 |
| Pretax return on assets | 1.3634% | 1,777 |
| Return on Equity (ROE) | 11.4782% | 1,474 |
| Retained earnings to average equity (ytd only) | 6.8384% | 1,450 |
| Net charge-offs to loans | -0.0074% | 4,206 |
| Credit loss provision to net charge-offs | -2,157.6923% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0931% | 2,806 |
| Assets per employee ($millions) | 5.9204% | 2,412 |
| Cash dividends to net income (ytd only)* | 40.4224% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,724 |
| Loan loss allowance to noncurrent loans | 1,532.6733% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,330 |
| Noncurrent loans to loans | 0.0812% | 3,964 |
| Net loans and leases to total assets | 75.9247% | 797 |
| Net loans and leases to deposits | 91.4562% | 818 |
| Net loans and leases to core deposits | 98.3717% | 993 |
| Total domestic deposits to total assets | 83.0176% | 3,405 |
| Equity capital to assets | 9.0089% | 4,043 |
| Core capital (leverage) ratio | 8.7719% | 3,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8126% | 2,310 |
| Memoranda: | ||
| Average total assets | $452,321,800 | 1,693 |
| Average earning assets | $433,068,800 | 1,652 |
| Average equity | $42,071,000 | 1,944 |
| Average total loans | $350,503,600 | 1,506 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 1,881 |
| Cost of funding earning assets | 0.7823% | 1,581 |
| Net interest margin | 3.6049% | 2,260 |
| Noninterest income to average assets | 0.5771% | 2,268 |
| Noninterest expense to average assets | 2.6823% | 2,305 |
| Loan and lease loss provision to assets | 0.0480% | 3,760 |
| Net operating income to assets | 1.0188% | 2,264 |
| Return on assets (ROA) | 1.0197% | 2,391 |
| Pretax return on assets | 1.2990% | 2,050 |
| Return on Equity (ROE) | 10.8700% | 1,726 |
| Retained earnings to average equity (ytd only) | 8.5462% | 1,129 |
| Net charge-offs to loans | -0.0135% | 4,304 |
| Credit loss provision to net charge-offs | -457.1429% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5896% | 2,388 |
| Assets per employee ($millions) | 5.9024% | 2,348 |
| Cash dividends to net income (ytd only)* | 21.3781% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1606% | 2,884 |
| Loan loss allowance to noncurrent loans | 369.0972% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 3,233 |
| Noncurrent loans to loans | 0.3144% | 3,160 |
| Net loans and leases to total assets | 75.7415% | 1,132 |
| Net loans and leases to deposits | 91.6364% | 1,107 |
| Net loans and leases to core deposits | 99.1512% | 1,225 |
| Total domestic deposits to total assets | 82.6544% | 3,234 |
| Equity capital to assets | 9.0826% | 4,050 |
| Core capital (leverage) ratio | 8.8941% | 3,871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5543% | 1,980 |
| Memoranda: | ||
| Average total assets | $444,034,000 | 1,695 |
| Average earning assets | $425,079,000 | 1,655 |
| Average equity | $41,654,750 | 1,945 |
| Average total loans | $344,820,000 | 1,514 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,944 |
| Cost of funding earning assets | 0.8587% | 1,554 |
| Net interest margin | 3.6316% | 2,375 |
| Noninterest income to average assets | 0.5755% | 2,228 |
| Noninterest expense to average assets | 2.7369% | 2,266 |
| Loan and lease loss provision to assets | 0.0532% | 3,638 |
| Net operating income to assets | 0.9896% | 2,363 |
| Return on assets (ROA) | 0.9896% | 2,494 |
| Pretax return on assets | 1.2591% | 2,154 |
| Return on Equity (ROE) | 10.4273% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.0019% | 1,305 |
| Net charge-offs to loans | -0.0059% | 4,058 |
| Credit loss provision to net charge-offs | -1,150.0000% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5913% | 2,293 |
| Assets per employee ($millions) | 5.4497% | 2,692 |
| Cash dividends to net income (ytd only)* | 23.2602% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,791 |
| Loan loss allowance to noncurrent loans | 364.2857% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.2449% | 3,334 |
| Noncurrent loans to loans | 0.3150% | 3,258 |
| Net loans and leases to total assets | 76.8790% | 1,009 |
| Net loans and leases to deposits | 93.1646% | 1,033 |
| Net loans and leases to core deposits | 101.1277% | 1,181 |
| Total domestic deposits to total assets | 82.5195% | 3,227 |
| Equity capital to assets | 9.0679% | 4,027 |
| Core capital (leverage) ratio | 9.0677% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4149% | 2,028 |
| Memoranda: | ||
| Average total assets | $432,681,333 | 1,704 |
| Average earning assets | $413,871,000 | 1,668 |
| Average equity | $41,065,333 | 1,955 |
| Average total loans | $337,638,000 | 1,520 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 1,713 |
| Cost of funding earning assets | 0.9571% | 1,620 |
| Net interest margin | 3.7405% | 2,177 |
| Noninterest income to average assets | 0.6135% | 1,980 |
| Noninterest expense to average assets | 2.8417% | 2,301 |
| Loan and lease loss provision to assets | 0.0434% | 3,236 |
| Net operating income to assets | 1.0186% | 2,119 |
| Return on assets (ROA) | 1.0186% | 2,219 |
| Pretax return on assets | 1.2983% | 1,875 |
| Return on Equity (ROE) | 10.4688% | 1,589 |
| Retained earnings to average equity (ytd only) | 7.8813% | 1,262 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9271% | 2,678 |
| Assets per employee ($millions) | 5.1321% | 2,496 |
| Cash dividends to net income (ytd only)* | 24.7159% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,569 |
| Loan loss allowance to noncurrent loans | 355.4593% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 3,372 |
| Noncurrent loans to loans | 0.3429% | 3,265 |
| Net loans and leases to total assets | 78.0363% | 980 |
| Net loans and leases to deposits | 95.9679% | 912 |
| Net loans and leases to core deposits | 106.3999% | 1,034 |
| Total domestic deposits to total assets | 81.3150% | 3,594 |
| Equity capital to assets | 9.6495% | 4,082 |
| Core capital (leverage) ratio | 9.6870% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1016% | 2,650 |
| Memoranda: | ||
| Average total assets | $414,683,500 | 1,720 |
| Average earning assets | $395,775,500 | 1,683 |
| Average equity | $40,348,500 | 1,977 |
| Average total loans | $324,209,000 | 1,543 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7296% | 2,247 |
| Cost of funding earning assets | 1.0629% | 1,460 |
| Net interest margin | 3.6666% | 2,914 |
| Noninterest income to average assets | 0.7202% | 1,743 |
| Noninterest expense to average assets | 2.8445% | 2,462 |
| Loan and lease loss provision to assets | 0.0062% | 3,884 |
| Net operating income to assets | 1.0566% | 2,632 |
| Return on assets (ROA) | 1.0566% | 2,726 |
| Pretax return on assets | 1.3417% | 2,357 |
| Return on Equity (ROE) | 11.1081% | 1,840 |
| Retained earnings to average equity (ytd only) | 5.6565% | 2,057 |
| Net charge-offs to loans | -0.0072% | 4,396 |
| Credit loss provision to net charge-offs | -113.6364% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8488% | 2,486 |
| Assets per employee ($millions) | 4.7460% | 2,897 |
| Cash dividends to net income (ytd only)* | 49.0776% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 1,918 |
| Loan loss allowance to noncurrent loans | 355.2539% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2831% | 3,290 |
| Noncurrent loans to loans | 0.3661% | 3,138 |
| Net loans and leases to total assets | 76.3139% | 1,359 |
| Net loans and leases to deposits | 94.0486% | 1,145 |
| Net loans and leases to core deposits | 103.4730% | 1,273 |
| Total domestic deposits to total assets | 81.1431% | 3,734 |
| Equity capital to assets | 9.8149% | 4,091 |
| Core capital (leverage) ratio | 9.7362% | 3,807 |
| Tier 1 risk-based capital ratio | 12.7773% | 3,906 |
| Total risk-based capital ratio | 14.0280% | 3,800 |
| Memoranda: | ||
| Average total assets | $400,169,000 | 1,741 |
| Average earning assets | $378,956,400 | 1,715 |
| Average equity | $38,062,400 | 2,005 |
| Average total loans | $304,701,600 | 1,585 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 2,312 |
| Cost of funding earning assets | 1.0667% | 1,482 |
| Net interest margin | 3.6682% | 3,032 |
| Noninterest income to average assets | 0.7295% | 1,664 |
| Noninterest expense to average assets | 2.8475% | 2,415 |
| Loan and lease loss provision to assets | 0.0083% | 3,723 |
| Net operating income to assets | 1.0557% | 2,758 |
| Return on assets (ROA) | 1.0557% | 2,839 |
| Pretax return on assets | 1.3421% | 2,523 |
| Return on Equity (ROE) | 11.1888% | 1,933 |
| Retained earnings to average equity (ytd only) | 4.7487% | 3,029 |
| Net charge-offs to loans | -0.0101% | 4,376 |
| Credit loss provision to net charge-offs | -108.6957% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8304% | 2,449 |
| Assets per employee ($millions) | 4.6976% | 2,921 |
| Cash dividends to net income (ytd only)* | 57.5587% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,797 |
| Loan loss allowance to noncurrent loans | 338.7312% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.3032% | 3,337 |
| Noncurrent loans to loans | 0.3959% | 3,124 |
| Net loans and leases to total assets | 73.8943% | 1,836 |
| Net loans and leases to deposits | 90.8905% | 1,580 |
| Net loans and leases to core deposits | 101.7017% | 1,529 |
| Total domestic deposits to total assets | 81.3003% | 3,664 |
| Equity capital to assets | 9.5991% | 4,391 |
| Core capital (leverage) ratio | 9.7615% | 3,895 |
| Tier 1 risk-based capital ratio | 12.9886% | 3,855 |
| Total risk-based capital ratio | 14.2399% | 3,754 |
| Memoranda: | ||
| Average total assets | $399,359,750 | 1,756 |
| Average earning assets | $377,615,000 | 1,729 |
| Average equity | $37,679,500 | 2,035 |
| Average total loans | $302,899,000 | 1,603 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7423% | 2,247 |
| Cost of funding earning assets | 1.0789% | 1,384 |
| Net interest margin | 3.6634% | 3,057 |
| Noninterest income to average assets | 0.7245% | 1,627 |
| Noninterest expense to average assets | 2.8546% | 2,399 |
| Loan and lease loss provision to assets | 0.0126% | 3,515 |
| Net operating income to assets | 1.0306% | 2,804 |
| Return on assets (ROA) | 1.0306% | 2,882 |
| Pretax return on assets | 1.3107% | 2,525 |
| Return on Equity (ROE) | 10.9882% | 1,978 |
| Retained earnings to average equity (ytd only) | 8.0134% | 1,389 |
| Net charge-offs to loans | -0.0040% | 4,073 |
| Credit loss provision to net charge-offs | -416.6667% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3273% | 2,479 |
| Assets per employee ($millions) | 4.7224% | 2,841 |
| Cash dividends to net income (ytd only)* | 27.0732% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3124% | 1,958 |
| Loan loss allowance to noncurrent loans | 315.9500% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3224% | 3,246 |
| Noncurrent loans to loans | 0.4154% | 3,045 |
| Net loans and leases to total assets | 76.6040% | 1,455 |
| Net loans and leases to deposits | 94.6076% | 1,194 |
| Net loans and leases to core deposits | 105.1919% | 1,292 |
| Total domestic deposits to total assets | 80.9703% | 3,822 |
| Equity capital to assets | 9.7847% | 4,150 |
| Core capital (leverage) ratio | 9.8908% | 3,711 |
| Tier 1 risk-based capital ratio | 12.8941% | 3,895 |
| Total risk-based capital ratio | 14.1450% | 3,794 |
| Memoranda: | ||
| Average total assets | $397,814,330 | 1,762 |
| Average earning assets | $375,009,670 | 1,741 |
| Average equity | $37,312,670 | 2,046 |
| Average total loans | $303,002,670 | 1,606 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 2,275 |
| Cost of funding earning assets | 1.0921% | 1,211 |
| Net interest margin | 3.5934% | 3,274 |
| Noninterest income to average assets | 0.6506% | 1,820 |
| Noninterest expense to average assets | 2.7953% | 2,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9830% | 2,913 |
| Return on assets (ROA) | 0.9830% | 2,952 |
| Pretax return on assets | 1.2450% | 2,648 |
| Return on Equity (ROE) | 10.7106% | 2,080 |
| Retained earnings to average equity (ytd only) | 7.8114% | 1,732 |
| Net charge-offs to loans | -0.0013% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1849% | 2,476 |
| Assets per employee ($millions) | 4.9575% | 2,579 |
| Cash dividends to net income (ytd only)* | 27.0684% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 1,953 |
| Loan loss allowance to noncurrent loans | 302.2607% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3346% | 3,263 |
| Noncurrent loans to loans | 0.4402% | 3,004 |
| Net loans and leases to total assets | 74.9980% | 1,641 |
| Net loans and leases to deposits | 91.3091% | 1,481 |
| Net loans and leases to core deposits | 101.9541% | 1,466 |
| Total domestic deposits to total assets | 82.1364% | 3,688 |
| Equity capital to assets | 9.3598% | 4,374 |
| Core capital (leverage) ratio | 9.6263% | 4,003 |
| Tier 1 risk-based capital ratio | 12.8760% | 3,943 |
| Total risk-based capital ratio | 14.1271% | 3,840 |
| Memoranda: | ||
| Average total assets | $398,382,000 | 1,776 |
| Average earning assets | $375,801,000 | 1,748 |
| Average equity | $36,562,000 | 2,074 |
| Average total loans | $300,547,500 | 1,631 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 2,086 |
| Cost of funding earning assets | 0.9032% | 1,080 |
| Net interest margin | 3.7156% | 2,975 |
| Noninterest income to average assets | 0.7750% | 1,545 |
| Noninterest expense to average assets | 2.9245% | 2,259 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0660% | 2,733 |
| Return on assets (ROA) | 1.0660% | 2,717 |
| Pretax return on assets | 1.3507% | 2,314 |
| Return on Equity (ROE) | 11.7007% | 1,821 |
| Retained earnings to average equity (ytd only) | 0.9064% | 4,737 |
| Net charge-offs to loans | 0.0189% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 92.5893% | 780 |
| Efficiency ratio | 68.4053% | 2,483 |
| Assets per employee ($millions) | 4.8800% | 2,643 |
| Cash dividends to net income (ytd only)* | 92.2532% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 1,879 |
| Loan loss allowance to noncurrent loans | 330.0412% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,358 |
| Noncurrent loans to loans | 0.4055% | 3,074 |
| Net loans and leases to total assets | 73.8777% | 1,958 |
| Net loans and leases to deposits | 89.3764% | 1,881 |
| Net loans and leases to core deposits | 101.1078% | 1,632 |
| Total domestic deposits to total assets | 82.6591% | 3,437 |
| Equity capital to assets | 8.9971% | 4,577 |
| Core capital (leverage) ratio | 9.5217% | 4,092 |
| Tier 1 risk-based capital ratio | 12.6805% | 4,025 |
| Total risk-based capital ratio | 13.9318% | 3,915 |
| Memoranda: | ||
| Average total assets | $383,865,000 | 1,785 |
| Average earning assets | $361,610,800 | 1,762 |
| Average equity | $34,972,200 | 2,073 |
| Average total loans | $295,918,200 | 1,607 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 2,040 |
| Cost of funding earning assets | 0.8618% | 1,067 |
| Net interest margin | 3.7173% | 2,954 |
| Noninterest income to average assets | 0.8011% | 1,470 |
| Noninterest expense to average assets | 2.9514% | 2,159 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0665% | 2,804 |
| Return on assets (ROA) | 1.0665% | 2,816 |
| Pretax return on assets | 1.3555% | 2,405 |
| Return on Equity (ROE) | 11.6682% | 1,920 |
| Retained earnings to average equity (ytd only) | -1.8781% | 5,190 |
| Net charge-offs to loans | -0.0014% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5279% | 2,438 |
| Assets per employee ($millions) | 4.8667% | 2,638 |
| Cash dividends to net income (ytd only)* | 116.0960% | 171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 1,893 |
| Loan loss allowance to noncurrent loans | 760.5607% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1374% | 4,259 |
| Noncurrent loans to loans | 0.1773% | 4,092 |
| Net loans and leases to total assets | 76.4690% | 1,587 |
| Net loans and leases to deposits | 93.0335% | 1,502 |
| Net loans and leases to core deposits | 117.1017% | 664 |
| Total domestic deposits to total assets | 82.1952% | 3,548 |
| Equity capital to assets | 8.7947% | 4,728 |
| Core capital (leverage) ratio | 9.5085% | 4,166 |
| Tier 1 risk-based capital ratio | 12.3513% | 4,283 |
| Total risk-based capital ratio | 13.6029% | 4,173 |
| Memoranda: | ||
| Average total assets | $379,790,250 | 1,808 |
| Average earning assets | $358,169,250 | 1,779 |
| Average equity | $34,714,500 | 2,089 |
| Average total loans | $294,987,250 | 1,623 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 1,998 |
| Cost of funding earning assets | 0.8367% | 980 |
| Net interest margin | 3.6939% | 2,952 |
| Noninterest income to average assets | 0.7727% | 1,559 |
| Noninterest expense to average assets | 2.9787% | 2,103 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0085% | 2,980 |
| Return on assets (ROA) | 1.0085% | 2,983 |
| Pretax return on assets | 1.2804% | 2,590 |
| Return on Equity (ROE) | 10.8912% | 2,156 |
| Retained earnings to average equity (ytd only) | -7.9719% | 5,382 |
| Net charge-offs to loans | -0.0055% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9377% | 2,324 |
| Assets per employee ($millions) | 4.5911% | 2,982 |
| Cash dividends to net income (ytd only)* | 173.1964% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3682% | 1,865 |
| Loan loss allowance to noncurrent loans | 555.0409% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,024 |
| Noncurrent loans to loans | 0.2465% | 3,818 |
| Net loans and leases to total assets | 77.0706% | 1,454 |
| Net loans and leases to deposits | 94.0147% | 1,359 |
| Net loans and leases to core deposits | 111.2658% | 918 |
| Total domestic deposits to total assets | 81.9772% | 3,727 |
| Equity capital to assets | 8.8458% | 4,685 |
| Core capital (leverage) ratio | 9.4242% | 4,212 |
| Tier 1 risk-based capital ratio | 12.1559% | 4,400 |
| Total risk-based capital ratio | 13.4077% | 4,279 |
| Memoranda: | ||
| Average total assets | $376,607,670 | 1,827 |
| Average earning assets | $355,446,330 | 1,799 |
| Average equity | $34,872,330 | 2,095 |
| Average total loans | $292,719,000 | 1,637 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 1,963 |
| Cost of funding earning assets | 0.8354% | 811 |
| Net interest margin | 3.6323% | 3,059 |
| Noninterest income to average assets | 0.6806% | 1,909 |
| Noninterest expense to average assets | 2.9628% | 2,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9082% | 3,258 |
| Return on assets (ROA) | 0.9082% | 3,266 |
| Pretax return on assets | 1.1507% | 2,963 |
| Return on Equity (ROE) | 9.5898% | 2,642 |
| Retained earnings to average equity (ytd only) | -0.6995% | 4,881 |
| Net charge-offs to loans | -0.0207% | 4,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0260% | 2,194 |
| Assets per employee ($millions) | 4.7518% | 2,789 |
| Cash dividends to net income (ytd only)* | 107.2941% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4055% | 1,820 |
| Loan loss allowance to noncurrent loans | 609.1045% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 4,190 |
| Noncurrent loans to loans | 0.2307% | 3,943 |
| Net loans and leases to total assets | 76.2607% | 1,499 |
| Net loans and leases to deposits | 95.0253% | 1,130 |
| Net loans and leases to core deposits | 119.4915% | 598 |
| Total domestic deposits to total assets | 80.2531% | 4,379 |
| Equity capital to assets | 9.2774% | 4,288 |
| Core capital (leverage) ratio | 9.7400% | 3,809 |
| Tier 1 risk-based capital ratio | 12.7977% | 4,061 |
| Total risk-based capital ratio | 14.0497% | 3,950 |
| Memoranda: | ||
| Average total assets | $374,381,000 | 1,846 |
| Average earning assets | $353,825,000 | 1,819 |
| Average equity | $35,454,500 | 2,074 |
| Average total loans | $290,198,500 | 1,652 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4792% | 1,783 |
| Cost of funding earning assets | 0.7720% | 726 |
| Net interest margin | 3.7073% | 2,771 |
| Noninterest income to average assets | 0.7019% | 1,957 |
| Noninterest expense to average assets | 2.9812% | 2,214 |
| Loan and lease loss provision to assets | -0.0617% | 5,418 |
| Net operating income to assets | 0.6343% | 3,873 |
| Return on assets (ROA) | 0.6336% | 3,911 |
| Pretax return on assets | 1.2680% | 2,474 |
| Return on Equity (ROE) | 6.5697% | 3,496 |
| Retained earnings to average equity (ytd only) | 5.1205% | 2,049 |
| Net charge-offs to loans | -0.1855% | 5,513 |
| Credit loss provision to net charge-offs | 43.5701% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1744% | 2,361 |
| Assets per employee ($millions) | 4.6671% | 2,918 |
| Cash dividends to net income (ytd only)* | 22.0601% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 1,759 |
| Loan loss allowance to noncurrent loans | 657.9288% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 4,315 |
| Noncurrent loans to loans | 0.2131% | 4,063 |
| Net loans and leases to total assets | 76.5925% | 1,496 |
| Net loans and leases to deposits | 96.2839% | 1,063 |
| Net loans and leases to core deposits | 119.3645% | 608 |
| Total domestic deposits to total assets | 79.5485% | 4,435 |
| Equity capital to assets | 9.6639% | 4,074 |
| Core capital (leverage) ratio | 9.7911% | 3,708 |
| Tier 1 risk-based capital ratio | 12.7675% | 4,050 |
| Total risk-based capital ratio | 14.0200% | 3,944 |
| Memoranda: | ||
| Average total assets | $367,736,200 | 1,839 |
| Average earning assets | $345,862,800 | 1,814 |
| Average equity | $35,465,600 | 2,053 |
| Average total loans | $280,864,600 | 1,654 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4240% | 1,884 |
| Cost of funding earning assets | 0.7591% | 726 |
| Net interest margin | 3.6648% | 2,895 |
| Noninterest income to average assets | 0.6970% | 2,016 |
| Noninterest expense to average assets | 2.9790% | 2,169 |
| Loan and lease loss provision to assets | -0.0681% | 5,549 |
| Net operating income to assets | 0.8239% | 3,421 |
| Return on assets (ROA) | 0.8229% | 3,460 |
| Pretax return on assets | 1.2302% | 2,783 |
| Return on Equity (ROE) | 8.5371% | 2,847 |
| Retained earnings to average equity (ytd only) | 6.9437% | 1,719 |
| Net charge-offs to loans | -0.1436% | 5,469 |
| Credit loss provision to net charge-offs | 62.3333% | 2,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9118% | 2,217 |
| Assets per employee ($millions) | 4.8012% | 2,696 |
| Cash dividends to net income (ytd only)* | 18.6642% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,112 |
| Loan loss allowance to noncurrent loans | 631.7073% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 4,287 |
| Noncurrent loans to loans | 0.2139% | 4,211 |
| Net loans and leases to total assets | 76.7035% | 1,469 |
| Net loans and leases to deposits | 95.9258% | 1,118 |
| Net loans and leases to core deposits | 119.2890% | 615 |
| Total domestic deposits to total assets | 79.9613% | 4,320 |
| Equity capital to assets | 9.8592% | 4,081 |
| Core capital (leverage) ratio | 9.8436% | 3,763 |
| Tier 1 risk-based capital ratio | 12.9756% | 4,029 |
| Total risk-based capital ratio | 14.2277% | 3,933 |
| Memoranda: | ||
| Average total assets | $366,328,500 | 1,858 |
| Average earning assets | $344,418,750 | 1,836 |
| Average equity | $35,311,500 | 2,071 |
| Average total loans | $278,571,500 | 1,674 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3818% | 1,872 |
| Cost of funding earning assets | 0.7491% | 692 |
| Net interest margin | 3.6328% | 2,901 |
| Noninterest income to average assets | 0.6895% | 2,038 |
| Noninterest expense to average assets | 2.9435% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7775% | 3,505 |
| Return on assets (ROA) | 0.7760% | 3,565 |
| Pretax return on assets | 1.1566% | 2,951 |
| Return on Equity (ROE) | 8.1128% | 2,958 |
| Retained earnings to average equity (ytd only) | 6.2177% | 2,007 |
| Net charge-offs to loans | -0.0261% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7528% | 2,391 |
| Assets per employee ($millions) | 4.4377% | 3,218 |
| Cash dividends to net income (ytd only)* | 23.3592% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,227 |
| Loan loss allowance to noncurrent loans | 443.3062% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 3,966 |
| Noncurrent loans to loans | 0.3024% | 3,955 |
| Net loans and leases to total assets | 76.0926% | 1,534 |
| Net loans and leases to deposits | 95.9530% | 1,088 |
| Net loans and leases to core deposits | 119.2945% | 584 |
| Total domestic deposits to total assets | 79.3019% | 4,561 |
| Equity capital to assets | 9.7149% | 4,212 |
| Core capital (leverage) ratio | 9.7388% | 3,851 |
| Tier 1 risk-based capital ratio | 12.7229% | 4,170 |
| Total risk-based capital ratio | 13.9748% | 4,077 |
| Memoranda: | ||
| Average total assets | $365,206,330 | 1,865 |
| Average earning assets | $343,099,330 | 1,846 |
| Average equity | $34,932,330 | 2,080 |
| Average total loans | $275,610,670 | 1,689 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3192% | 1,903 |
| Cost of funding earning assets | 0.7443% | 677 |
| Net interest margin | 3.5750% | 2,981 |
| Noninterest income to average assets | 0.6875% | 2,016 |
| Noninterest expense to average assets | 2.9721% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7290% | 3,564 |
| Return on assets (ROA) | 0.7260% | 3,634 |
| Pretax return on assets | 1.0714% | 3,084 |
| Return on Equity (ROE) | 7.6506% | 3,093 |
| Retained earnings to average equity (ytd only) | 4.8570% | 2,981 |
| Net charge-offs to loans | 0.0383% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 37.6154% | 1,072 |
| Efficiency ratio | 73.4239% | 2,338 |
| Assets per employee ($millions) | 4.5412% | 3,099 |
| Cash dividends to net income (ytd only)* | 36.5152% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,198 |
| Loan loss allowance to noncurrent loans | 246.7721% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,441 |
| Noncurrent loans to loans | 0.5562% | 3,136 |
| Net loans and leases to total assets | 73.1739% | 1,880 |
| Net loans and leases to deposits | 91.6031% | 1,368 |
| Net loans and leases to core deposits | 108.8095% | 934 |
| Total domestic deposits to total assets | 79.8815% | 4,644 |
| Equity capital to assets | 9.4490% | 4,339 |
| Core capital (leverage) ratio | 9.6772% | 3,893 |
| Tier 1 risk-based capital ratio | 13.0005% | 4,080 |
| Total risk-based capital ratio | 14.2527% | 3,979 |
| Memoranda: | ||
| Average total assets | $363,643,000 | 1,884 |
| Average earning assets | $341,819,500 | 1,862 |
| Average equity | $34,507,000 | 2,111 |
| Average total loans | $271,375,000 | 1,719 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,039 |
| Cost of funding earning assets | 0.7530% | 627 |
| Net interest margin | 3.5794% | 3,143 |
| Noninterest income to average assets | 0.8140% | 1,696 |
| Noninterest expense to average assets | 3.1314% | 1,946 |
| Loan and lease loss provision to assets | 0.0014% | 4,315 |
| Net operating income to assets | 0.6724% | 3,902 |
| Return on assets (ROA) | 0.6677% | 4,032 |
| Pretax return on assets | 1.0353% | 3,342 |
| Return on Equity (ROE) | 6.8620% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.8557% | 1,787 |
| Net charge-offs to loans | -0.0895% | 5,555 |
| Credit loss provision to net charge-offs | -2.1552% | 4,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9931% | 2,139 |
| Assets per employee ($millions) | 4.4931% | 3,124 |
| Cash dividends to net income (ytd only)* | 14.6655% | 3,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 2,088 |
| Loan loss allowance to noncurrent loans | 176.5918% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 2,784 |
| Noncurrent loans to loans | 0.7916% | 2,536 |
| Net loans and leases to total assets | 74.0220% | 1,847 |
| Net loans and leases to deposits | 93.0094% | 1,299 |
| Net loans and leases to core deposits | 110.4102% | 871 |
| Total domestic deposits to total assets | 79.5855% | 4,661 |
| Equity capital to assets | 9.5304% | 4,241 |
| Core capital (leverage) ratio | 9.6905% | 3,871 |
| Tier 1 risk-based capital ratio | 12.7638% | 4,222 |
| Total risk-based capital ratio | 14.0173% | 4,108 |
| Memoranda: | ||
| Average total assets | $349,267,600 | 1,905 |
| Average earning assets | $328,016,400 | 1,882 |
| Average equity | $33,984,200 | 2,133 |
| Average total loans | $259,104,600 | 1,740 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 2,046 |
| Cost of funding earning assets | 0.7552% | 621 |
| Net interest margin | 3.5830% | 3,147 |
| Noninterest income to average assets | 0.8191% | 1,690 |
| Noninterest expense to average assets | 3.1786% | 1,832 |
| Loan and lease loss provision to assets | 0.0019% | 4,172 |
| Net operating income to assets | 0.6467% | 4,098 |
| Return on assets (ROA) | 0.6403% | 4,247 |
| Pretax return on assets | 0.9948% | 3,650 |
| Return on Equity (ROE) | 6.5454% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.5272% | 2,468 |
| Net charge-offs to loans | -0.0723% | 5,476 |
| Credit loss provision to net charge-offs | -3.5971% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9463% | 1,979 |
| Assets per employee ($millions) | 4.3461% | 3,338 |
| Cash dividends to net income (ytd only)* | 15.5554% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,228 |
| Loan loss allowance to noncurrent loans | 171.4352% | 2,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6951% | 2,832 |
| Noncurrent loans to loans | 0.8129% | 2,638 |
| Net loans and leases to total assets | 73.9459% | 1,876 |
| Net loans and leases to deposits | 93.6546% | 1,298 |
| Net loans and leases to core deposits | 111.3638% | 843 |
| Total domestic deposits to total assets | 78.9560% | 4,732 |
| Equity capital to assets | 9.9212% | 4,216 |
| Core capital (leverage) ratio | 9.6230% | 4,030 |
| Tier 1 risk-based capital ratio | 12.9476% | 4,193 |
| Total risk-based capital ratio | 14.2012% | 4,100 |
| Memoranda: | ||
| Average total assets | $346,722,000 | 1,919 |
| Average earning assets | $325,749,750 | 1,903 |
| Average equity | $33,916,000 | 2,150 |
| Average total loans | $256,419,750 | 1,760 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3252% | 2,076 |
| Cost of funding earning assets | 0.7603% | 597 |
| Net interest margin | 3.5649% | 3,231 |
| Noninterest income to average assets | 0.8488% | 1,553 |
| Noninterest expense to average assets | 3.2219% | 1,758 |
| Loan and lease loss provision to assets | 0.0029% | 3,979 |
| Net operating income to assets | 0.6216% | 4,180 |
| Return on assets (ROA) | 0.6227% | 4,306 |
| Pretax return on assets | 0.9723% | 3,695 |
| Return on Equity (ROE) | 6.3968% | 3,854 |
| Retained earnings to average equity (ytd only) | 4.8542% | 2,818 |
| Net charge-offs to loans | -0.0087% | 4,662 |
| Credit loss provision to net charge-offs | -45.4545% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7966% | 1,962 |
| Assets per employee ($millions) | 4.2953% | 3,382 |
| Cash dividends to net income (ytd only)* | 24.1155% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3901% | 2,343 |
| Loan loss allowance to noncurrent loans | 165.0860% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 2,995 |
| Noncurrent loans to loans | 0.8421% | 2,641 |
| Net loans and leases to total assets | 71.5188% | 2,246 |
| Net loans and leases to deposits | 89.8057% | 1,779 |
| Net loans and leases to core deposits | 108.5080% | 1,010 |
| Total domestic deposits to total assets | 79.6372% | 4,641 |
| Equity capital to assets | 9.7689% | 4,492 |
| Core capital (leverage) ratio | 9.4676% | 4,243 |
| Tier 1 risk-based capital ratio | 12.9233% | 4,246 |
| Total risk-based capital ratio | 14.1765% | 4,160 |
| Memoranda: | ||
| Average total assets | $344,951,670 | 1,930 |
| Average earning assets | $323,826,000 | 1,909 |
| Average equity | $33,579,330 | 2,166 |
| Average total loans | $253,895,330 | 1,776 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 1,966 |
| Cost of funding earning assets | 0.7655% | 590 |
| Net interest margin | 3.5825% | 3,153 |
| Noninterest income to average assets | 0.6879% | 2,099 |
| Noninterest expense to average assets | 3.1864% | 1,870 |
| Loan and lease loss provision to assets | 0.0059% | 3,598 |
| Net operating income to assets | 0.5684% | 4,326 |
| Return on assets (ROA) | 0.5707% | 4,428 |
| Pretax return on assets | 0.8614% | 3,998 |
| Return on Equity (ROE) | 5.8736% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.7026% | 3,641 |
| Net charge-offs to loans | -0.0190% | 4,824 |
| Credit loss provision to net charge-offs | -41.6667% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6748% | 1,806 |
| Assets per employee ($millions) | 4.2129% | 3,561 |
| Cash dividends to net income (ytd only)* | 36.9610% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 2,456 |
| Loan loss allowance to noncurrent loans | 139.2241% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 2,400 |
| Noncurrent loans to loans | 1.0005% | 2,385 |
| Net loans and leases to total assets | 72.8074% | 1,903 |
| Net loans and leases to deposits | 91.9338% | 1,357 |
| Net loans and leases to core deposits | 112.8622% | 715 |
| Total domestic deposits to total assets | 79.1954% | 4,924 |
| Equity capital to assets | 9.7097% | 4,437 |
| Core capital (leverage) ratio | 9.5741% | 4,070 |
| Tier 1 risk-based capital ratio | 12.8844% | 4,334 |
| Total risk-based capital ratio | 14.1380% | 4,250 |
| Memoranda: | ||
| Average total assets | $341,322,000 | 1,960 |
| Average earning assets | $320,332,000 | 1,932 |
| Average equity | $33,165,500 | 2,188 |
| Average total loans | $253,119,000 | 1,776 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 1,964 |
| Cost of funding earning assets | 0.7886% | 524 |
| Net interest margin | 3.5927% | 3,167 |
| Noninterest income to average assets | 0.6442% | 2,496 |
| Noninterest expense to average assets | 3.2168% | 1,927 |
| Loan and lease loss provision to assets | 0.0349% | 3,649 |
| Net operating income to assets | 0.4965% | 4,703 |
| Return on assets (ROA) | 0.4965% | 4,800 |
| Pretax return on assets | 0.7482% | 4,371 |
| Return on Equity (ROE) | 5.0181% | 4,493 |
| Retained earnings to average equity (ytd only) | 3.8772% | 3,276 |
| Net charge-offs to loans | 0.0383% | 3,458 |
| Credit loss provision to net charge-offs | 126.6667% | 2,053 |
| Earnings coverage of net charge-offs (x) | 28.4444% | 1,506 |
| Efficiency ratio | 80.4221% | 1,621 |
| Assets per employee ($millions) | 3.9669% | 3,998 |
| Cash dividends to net income (ytd only)* | 22.7357% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,386 |
| Loan loss allowance to noncurrent loans | 134.7180% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 2,194 |
| Noncurrent loans to loans | 1.0447% | 2,242 |
| Net loans and leases to total assets | 73.4405% | 1,817 |
| Net loans and leases to deposits | 96.0361% | 1,005 |
| Net loans and leases to core deposits | 115.6803% | 612 |
| Total domestic deposits to total assets | 76.4717% | 5,392 |
| Equity capital to assets | 9.7240% | 4,268 |
| Core capital (leverage) ratio | 9.6345% | 3,999 |
| Tier 1 risk-based capital ratio | 12.8359% | 4,429 |
| Total risk-based capital ratio | 14.0910% | 4,326 |
| Memoranda: | ||
| Average total assets | $326,908,400 | 2,013 |
| Average earning assets | $305,345,600 | 1,993 |
| Average equity | $32,342,600 | 2,181 |
| Average total loans | $235,119,000 | 1,838 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3813% | 1,977 |
| Cost of funding earning assets | 0.7940% | 513 |
| Net interest margin | 3.5873% | 3,210 |
| Noninterest income to average assets | 0.5648% | 2,955 |
| Noninterest expense to average assets | 3.2118% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4752% | 4,873 |
| Return on assets (ROA) | 0.4752% | 4,976 |
| Pretax return on assets | 0.7017% | 4,676 |
| Return on Equity (ROE) | 4.7820% | 4,723 |
| Retained earnings to average equity (ytd only) | 3.5534% | 3,939 |
| Net charge-offs to loans | 0.0444% | 3,006 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.1697% | 1,793 |
| Efficiency ratio | 82.0693% | 1,387 |
| Assets per employee ($millions) | 3.9332% | 4,008 |
| Cash dividends to net income (ytd only)* | 25.6921% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 2,520 |
| Loan loss allowance to noncurrent loans | 81.2396% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.6838% | 1,289 |
| Noncurrent loans to loans | 1.7443% | 1,371 |
| Net loans and leases to total assets | 72.3076% | 2,010 |
| Net loans and leases to deposits | 91.9843% | 1,406 |
| Net loans and leases to core deposits | 109.0690% | 927 |
| Total domestic deposits to total assets | 78.6086% | 5,067 |
| Equity capital to assets | 9.9225% | 4,259 |
| Core capital (leverage) ratio | 9.6765% | 4,058 |
| Tier 1 risk-based capital ratio | 13.0325% | 4,414 |
| Total risk-based capital ratio | 14.2880% | 4,326 |
| Memoranda: | ||
| Average total assets | $324,339,000 | 2,038 |
| Average earning assets | $302,761,500 | 2,020 |
| Average equity | $32,231,250 | 2,204 |
| Average total loans | $231,107,250 | 1,867 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,923 |
| Cost of funding earning assets | 0.7979% | 506 |
| Net interest margin | 3.5814% | 3,161 |
| Noninterest income to average assets | 0.5442% | 3,079 |
| Noninterest expense to average assets | 3.2142% | 1,940 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4722% | 4,881 |
| Return on assets (ROA) | 0.4722% | 4,977 |
| Pretax return on assets | 0.6720% | 4,748 |
| Return on Equity (ROE) | 4.7492% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.3451% | 3,916 |
| Net charge-offs to loans | 0.0018% | 3,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 541.5000% | 122 |
| Efficiency ratio | 82.7080% | 1,408 |
| Assets per employee ($millions) | 3.8508% | 4,165 |
| Cash dividends to net income (ytd only)* | 29.5664% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 2,166 |
| Loan loss allowance to noncurrent loans | 99.6026% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 1,872 |
| Noncurrent loans to loans | 1.5353% | 1,725 |
| Net loans and leases to total assets | 69.8545% | 2,335 |
| Net loans and leases to deposits | 88.6423% | 1,759 |
| Net loans and leases to core deposits | 102.6242% | 1,284 |
| Total domestic deposits to total assets | 78.8049% | 5,138 |
| Equity capital to assets | 9.9242% | 4,124 |
| Core capital (leverage) ratio | 9.6745% | 4,036 |
| Tier 1 risk-based capital ratio | 14.2468% | 3,794 |
| Total risk-based capital ratio | 15.5046% | 3,717 |
| Memoranda: | ||
| Average total assets | $322,322,000 | 2,062 |
| Average earning assets | $300,774,000 | 2,044 |
| Average equity | $32,047,330 | 2,221 |
| Average total loans | $227,366,000 | 1,900 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 1,825 |
| Cost of funding earning assets | 0.7999% | 497 |
| Net interest margin | 3.5836% | 3,065 |
| Noninterest income to average assets | 0.5097% | 3,221 |
| Noninterest expense to average assets | 3.1863% | 2,022 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4637% | 4,818 |
| Return on assets (ROA) | 0.4637% | 4,933 |
| Pretax return on assets | 0.6651% | 4,711 |
| Return on Equity (ROE) | 4.6596% | 4,684 |
| Retained earnings to average equity (ytd only) | 2.7358% | 4,312 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7308% | 1,533 |
| Assets per employee ($millions) | 3.7825% | 4,374 |
| Cash dividends to net income (ytd only)* | 41.2869% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5419% | 2,270 |
| Loan loss allowance to noncurrent loans | 93.6766% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 1,722 |
| Noncurrent loans to loans | 1.6459% | 1,692 |
| Net loans and leases to total assets | 68.9233% | 2,302 |
| Net loans and leases to deposits | 87.8300% | 1,629 |
| Net loans and leases to core deposits | 101.6084% | 1,211 |
| Total domestic deposits to total assets | 78.4735% | 5,356 |
| Equity capital to assets | 9.9323% | 4,220 |
| Core capital (leverage) ratio | 9.8037% | 3,885 |
| Tier 1 risk-based capital ratio | 14.2182% | 3,865 |
| Total risk-based capital ratio | 15.4723% | 3,793 |
| Memoranda: | ||
| Average total assets | $321,747,500 | 2,077 |
| Average earning assets | $300,037,000 | 2,053 |
| Average equity | $32,020,000 | 2,235 |
| Average total loans | $226,315,000 | 1,904 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4888% | 1,917 |
| Cost of funding earning assets | 0.8426% | 535 |
| Net interest margin | 3.6462% | 3,227 |
| Noninterest income to average assets | 0.5510% | 3,171 |
| Noninterest expense to average assets | 3.3154% | 1,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4292% | 5,115 |
| Return on assets (ROA) | 0.4504% | 5,108 |
| Pretax return on assets | 0.6294% | 4,845 |
| Return on Equity (ROE) | 4.3502% | 4,957 |
| Retained earnings to average equity (ytd only) | -8.9714% | 6,285 |
| Net charge-offs to loans | -0.0575% | 5,968 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6750% | 1,325 |
| Assets per employee ($millions) | 3.6575% | 4,613 |
| Cash dividends to net income (ytd only)* | 306.2321% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 2,224 |
| Loan loss allowance to noncurrent loans | 80.3616% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.0396% | 1,236 |
| Noncurrent loans to loans | 1.9425% | 1,444 |
| Net loans and leases to total assets | 69.5801% | 2,292 |
| Net loans and leases to deposits | 88.8742% | 1,629 |
| Net loans and leases to core deposits | 102.5208% | 1,204 |
| Total domestic deposits to total assets | 78.2906% | 5,377 |
| Equity capital to assets | 9.9719% | 4,147 |
| Core capital (leverage) ratio | 9.8040% | 3,830 |
| Tier 1 risk-based capital ratio | 14.1512% | 3,997 |
| Total risk-based capital ratio | 15.4056% | 3,919 |
| Memoranda: | ||
| Average total assets | $309,974,800 | 2,096 |
| Average earning assets | $286,024,200 | 2,085 |
| Average equity | $32,090,800 | 2,159 |
| Average total loans | $210,598,200 | 1,969 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,055 |
| Cost of funding earning assets | 0.8396% | 558 |
| Net interest margin | 3.6084% | 3,394 |
| Noninterest income to average assets | 0.5326% | 3,308 |
| Noninterest expense to average assets | 3.3380% | 1,823 |
| Loan and lease loss provision to assets | 0.0255% | 3,897 |
| Net operating income to assets | 0.3681% | 5,374 |
| Return on assets (ROA) | 0.3893% | 5,368 |
| Pretax return on assets | 0.5231% | 5,255 |
| Return on Equity (ROE) | 3.7247% | 5,273 |
| Retained earnings to average equity (ytd only) | -6.1733% | 6,297 |
| Net charge-offs to loans | -0.0032% | 5,229 |
| Credit loss provision to net charge-offs | -1,180.0000% | 5,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5208% | 1,134 |
| Assets per employee ($millions) | 3.5876% | 4,701 |
| Cash dividends to net income (ytd only)* | 265.7387% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5707% | 2,416 |
| Loan loss allowance to noncurrent loans | 60.3213% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.5461% | 1,017 |
| Noncurrent loans to loans | 2.6039% | 1,099 |
| Net loans and leases to total assets | 69.3455% | 2,299 |
| Net loans and leases to deposits | 90.2911% | 1,396 |
| Net loans and leases to core deposits | 101.5816% | 1,244 |
| Total domestic deposits to total assets | 76.8022% | 5,706 |
| Equity capital to assets | 9.9582% | 4,214 |
| Core capital (leverage) ratio | 9.5646% | 4,288 |
| Tier 1 risk-based capital ratio | 13.8852% | 4,299 |
| Total risk-based capital ratio | 15.1397% | 4,238 |
| Memoranda: | ||
| Average total assets | $307,917,750 | 2,124 |
| Average earning assets | $283,777,000 | 2,115 |
| Average equity | $32,180,750 | 2,161 |
| Average total loans | $207,018,500 | 2,007 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 2,159 |
| Cost of funding earning assets | 0.8488% | 562 |
| Net interest margin | 3.5570% | 3,544 |
| Noninterest income to average assets | 0.4992% | 3,490 |
| Noninterest expense to average assets | 3.3930% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2789% | 5,637 |
| Return on assets (ROA) | 0.2982% | 5,643 |
| Pretax return on assets | 0.4026% | 5,554 |
| Return on Equity (ROE) | 2.8082% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.6468% | 5,074 |
| Net charge-offs to loans | 0.0030% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 192.3333% | 334 |
| Efficiency ratio | 90.0121% | 919 |
| Assets per employee ($millions) | 3.6281% | 4,602 |
| Cash dividends to net income (ytd only)* | 41.3567% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 2,394 |
| Loan loss allowance to noncurrent loans | 69.0098% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.5432% | 1,102 |
| Noncurrent loans to loans | 2.3455% | 1,364 |
| Net loans and leases to total assets | 66.7541% | 2,627 |
| Net loans and leases to deposits | 87.6161% | 1,639 |
| Net loans and leases to core deposits | 97.5783% | 1,467 |
| Total domestic deposits to total assets | 76.1893% | 5,893 |
| Equity capital to assets | 10.6574% | 3,244 |
| Core capital (leverage) ratio | 10.4789% | 2,975 |
| Tier 1 risk-based capital ratio | 15.6995% | 3,247 |
| Total risk-based capital ratio | 16.9547% | 3,183 |
| Memoranda: | ||
| Average total assets | $306,515,670 | 2,132 |
| Average earning assets | $281,808,670 | 2,125 |
| Average equity | $32,547,000 | 2,128 |
| Average total loans | $202,725,330 | 2,030 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 2,233 |
| Cost of funding earning assets | 0.8659% | 542 |
| Net interest margin | 3.5133% | 3,631 |
| Noninterest income to average assets | 0.4974% | 3,432 |
| Noninterest expense to average assets | 3.4492% | 1,591 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2189% | 5,747 |
| Return on assets (ROA) | 0.2513% | 5,699 |
| Pretax return on assets | 0.3128% | 5,686 |
| Return on Equity (ROE) | 2.3713% | 5,682 |
| Retained earnings to average equity (ytd only) | 1.2103% | 5,121 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6838% | 831 |
| Assets per employee ($millions) | 3.5568% | 4,815 |
| Cash dividends to net income (ytd only)* | 48.9583% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 2,422 |
| Loan loss allowance to noncurrent loans | 59.5887% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 2.9034% | 999 |
| Noncurrent loans to loans | 2.8178% | 1,171 |
| Net loans and leases to total assets | 64.8952% | 2,745 |
| Net loans and leases to deposits | 84.1684% | 1,803 |
| Net loans and leases to core deposits | 95.2660% | 1,447 |
| Total domestic deposits to total assets | 77.1016% | 5,953 |
| Equity capital to assets | 10.6483% | 3,092 |
| Core capital (leverage) ratio | 10.5482% | 2,874 |
| Tier 1 risk-based capital ratio | 16.2040% | 3,054 |
| Total risk-based capital ratio | 17.4601% | 3,011 |
| Memoranda: | ||
| Average total assets | $305,580,000 | 2,146 |
| Average earning assets | $280,417,000 | 2,144 |
| Average equity | $32,387,500 | 2,128 |
| Average total loans | $199,464,000 | 2,054 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 2,353 |
| Cost of funding earning assets | 0.9852% | 484 |
| Net interest margin | 3.4767% | 3,999 |
| Noninterest income to average assets | 0.6035% | 3,075 |
| Noninterest expense to average assets | 3.3068% | 2,123 |
| Loan and lease loss provision to assets | 0.0520% | 4,097 |
| Net operating income to assets | 0.3459% | 5,351 |
| Return on assets (ROA) | 0.3809% | 5,331 |
| Pretax return on assets | 0.4885% | 5,233 |
| Return on Equity (ROE) | 3.6153% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.4286% | 4,519 |
| Net charge-offs to loans | 0.0988% | 3,855 |
| Credit loss provision to net charge-offs | 82.5641% | 2,973 |
| Earnings coverage of net charge-offs (x) | 7.8667% | 2,770 |
| Efficiency ratio | 86.9669% | 1,318 |
| Assets per employee ($millions) | 3.5090% | 4,886 |
| Cash dividends to net income (ytd only)* | 32.8244% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 2,332 |
| Loan loss allowance to noncurrent loans | 72.0663% | 4,418 |
| Noncurrent assets plus other real estate owned to assets | 2.5066% | 1,365 |
| Noncurrent loans to loans | 2.3874% | 1,603 |
| Net loans and leases to total assets | 63.4325% | 3,138 |
| Net loans and leases to deposits | 84.0682% | 1,932 |
| Net loans and leases to core deposits | 93.4436% | 1,640 |
| Total domestic deposits to total assets | 75.4536% | 6,145 |
| Equity capital to assets | 10.5490% | 3,093 |
| Core capital (leverage) ratio | 10.2387% | 3,236 |
| Tier 1 risk-based capital ratio | 16.1533% | 3,030 |
| Total risk-based capital ratio | 17.4098% | 2,982 |
| Memoranda: | ||
| Average total assets | $309,547,200 | 2,082 |
| Average earning assets | $284,813,800 | 2,078 |
| Average equity | $32,611,800 | 2,105 |
| Average total loans | $197,428,200 | 2,024 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 2,501 |
| Cost of funding earning assets | 1.0023% | 488 |
| Net interest margin | 3.4245% | 4,189 |
| Noninterest income to average assets | 0.5928% | 3,193 |
| Noninterest expense to average assets | 3.2163% | 2,317 |
| Loan and lease loss provision to assets | 0.0949% | 3,178 |
| Net operating income to assets | 0.3515% | 5,430 |
| Return on assets (ROA) | 0.3992% | 5,381 |
| Pretax return on assets | 0.4988% | 5,358 |
| Return on Equity (ROE) | 3.7904% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.6003% | 4,772 |
| Net charge-offs to loans | 0.1222% | 3,320 |
| Credit loss provision to net charge-offs | 122.0994% | 1,929 |
| Earnings coverage of net charge-offs (x) | 6.8729% | 2,891 |
| Efficiency ratio | 85.7617% | 1,386 |
| Assets per employee ($millions) | 3.5727% | 4,707 |
| Cash dividends to net income (ytd only)* | 31.3975% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 2,372 |
| Loan loss allowance to noncurrent loans | 72.9724% | 4,303 |
| Noncurrent assets plus other real estate owned to assets | 3.0137% | 1,229 |
| Noncurrent loans to loans | 2.4380% | 1,789 |
| Net loans and leases to total assets | 62.9759% | 3,167 |
| Net loans and leases to deposits | 81.3827% | 2,215 |
| Net loans and leases to core deposits | 92.0421% | 1,762 |
| Total domestic deposits to total assets | 77.3823% | 5,991 |
| Equity capital to assets | 10.5686% | 3,199 |
| Core capital (leverage) ratio | 10.0850% | 3,548 |
| Tier 1 risk-based capital ratio | 16.1036% | 3,131 |
| Total risk-based capital ratio | 17.3610% | 3,092 |
| Memoranda: | ||
| Average total assets | $310,614,250 | 2,084 |
| Average earning assets | $286,398,250 | 2,086 |
| Average equity | $32,713,750 | 2,116 |
| Average total loans | $197,526,250 | 2,020 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4155% | 2,505 |
| Cost of funding earning assets | 1.0213% | 489 |
| Net interest margin | 3.3942% | 4,209 |
| Noninterest income to average assets | 0.5631% | 3,422 |
| Noninterest expense to average assets | 3.2660% | 2,169 |
| Loan and lease loss provision to assets | 0.1150% | 2,888 |
| Net operating income to assets | 0.2624% | 5,739 |
| Return on assets (ROA) | 0.3362% | 5,627 |
| Pretax return on assets | 0.4039% | 5,634 |
| Return on Equity (ROE) | 3.1956% | 5,548 |
| Retained earnings to average equity (ytd only) | 1.9988% | 5,000 |
| Net charge-offs to loans | 0.1774% | 2,697 |
| Credit loss provision to net charge-offs | 102.2727% | 2,167 |
| Earnings coverage of net charge-offs (x) | 3.8239% | 3,289 |
| Efficiency ratio | 88.3624% | 1,187 |
| Assets per employee ($millions) | 3.7893% | 4,234 |
| Cash dividends to net income (ytd only)* | 37.4525% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7612% | 2,563 |
| Loan loss allowance to noncurrent loans | 63.9314% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.0639% | 1,321 |
| Noncurrent loans to loans | 2.7549% | 1,647 |
| Net loans and leases to total assets | 61.5377% | 3,381 |
| Net loans and leases to deposits | 78.9723% | 2,462 |
| Net loans and leases to core deposits | 88.6220% | 2,049 |
| Total domestic deposits to total assets | 77.9232% | 5,992 |
| Equity capital to assets | 10.4525% | 3,367 |
| Core capital (leverage) ratio | 9.8182% | 3,772 |
| Tier 1 risk-based capital ratio | 15.9426% | 3,229 |
| Total risk-based capital ratio | 17.1996% | 3,165 |
| Memoranda: | ||
| Average total assets | $312,924,670 | 2,076 |
| Average earning assets | $288,849,000 | 2,065 |
| Average equity | $32,920,000 | 2,115 |
| Average total loans | $198,464,670 | 2,020 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 2,344 |
| Cost of funding earning assets | 1.0777% | 415 |
| Net interest margin | 3.3728% | 4,221 |
| Noninterest income to average assets | 0.5541% | 3,408 |
| Noninterest expense to average assets | 3.3921% | 1,852 |
| Loan and lease loss provision to assets | 0.1083% | 2,891 |
| Net operating income to assets | 0.1361% | 6,080 |
| Return on assets (ROA) | 0.2866% | 5,726 |
| Pretax return on assets | 0.3363% | 5,758 |
| Return on Equity (ROE) | 2.7157% | 5,700 |
| Retained earnings to average equity (ytd only) | 1.5208% | 5,226 |
| Net charge-offs to loans | 0.1757% | 2,341 |
| Credit loss provision to net charge-offs | 96.5909% | 1,918 |
| Earnings coverage of net charge-offs (x) | 2.3864% | 3,047 |
| Efficiency ratio | 92.6906% | 928 |
| Assets per employee ($millions) | 3.5209% | 4,940 |
| Cash dividends to net income (ytd only)* | 44.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 2,962 |
| Loan loss allowance to noncurrent loans | 59.1459% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 3.8438% | 1,068 |
| Noncurrent loans to loans | 2.8927% | 1,745 |
| Net loans and leases to total assets | 62.7167% | 2,937 |
| Net loans and leases to deposits | 80.8317% | 1,969 |
| Net loans and leases to core deposits | 92.3861% | 1,466 |
| Total domestic deposits to total assets | 77.5892% | 6,174 |
| Equity capital to assets | 10.5485% | 3,492 |
| Core capital (leverage) ratio | 9.6457% | 3,854 |
| Tier 1 risk-based capital ratio | 15.1963% | 3,711 |
| Total risk-based capital ratio | 16.4521% | 3,657 |
| Memoranda: | ||
| Average total assets | $314,027,000 | 2,087 |
| Average earning assets | $289,136,500 | 2,086 |
| Average equity | $33,141,000 | 2,119 |
| Average total loans | $200,378,000 | 2,024 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 2,405 |
| Cost of funding earning assets | 1.2702% | 416 |
| Net interest margin | 3.4771% | 4,595 |
| Noninterest income to average assets | 0.5823% | 3,382 |
| Noninterest expense to average assets | 3.5084% | 1,792 |
| Loan and lease loss provision to assets | 0.0653% | 4,946 |
| Net operating income to assets | 0.1667% | 5,849 |
| Return on assets (ROA) | 0.2976% | 5,684 |
| Pretax return on assets | 0.3143% | 5,791 |
| Return on Equity (ROE) | 2.8801% | 5,600 |
| Retained earnings to average equity (ytd only) | 1.6597% | 5,028 |
| Net charge-offs to loans | 0.1300% | 4,379 |
| Credit loss provision to net charge-offs | 79.9228% | 3,835 |
| Earnings coverage of net charge-offs (x) | 2.9614% | 3,946 |
| Efficiency ratio | 93.5525% | 827 |
| Assets per employee ($millions) | 3.5359% | 4,940 |
| Cash dividends to net income (ytd only)* | 42.3729% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 2,915 |
| Loan loss allowance to noncurrent loans | 61.2851% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 3.8844% | 1,122 |
| Noncurrent loans to loans | 2.7823% | 1,897 |
| Net loans and leases to total assets | 62.7218% | 3,117 |
| Net loans and leases to deposits | 80.8255% | 2,175 |
| Net loans and leases to core deposits | 93.2516% | 1,526 |
| Total domestic deposits to total assets | 77.6015% | 6,143 |
| Equity capital to assets | 10.5586% | 3,454 |
| Core capital (leverage) ratio | 9.6612% | 3,874 |
| Tier 1 risk-based capital ratio | 15.4471% | 3,461 |
| Total risk-based capital ratio | 16.7034% | 3,419 |
| Memoranda: | ||
| Average total assets | $317,207,400 | 2,022 |
| Average earning assets | $289,003,200 | 2,051 |
| Average equity | $32,776,400 | 2,106 |
| Average total loans | $199,246,600 | 2,013 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 2,483 |
| Cost of funding earning assets | 1.3081% | 420 |
| Net interest margin | 3.4667% | 4,773 |
| Noninterest income to average assets | 0.4786% | 4,071 |
| Noninterest expense to average assets | 3.4562% | 1,869 |
| Loan and lease loss provision to assets | 0.0524% | 5,097 |
| Net operating income to assets | 0.1197% | 6,089 |
| Return on assets (ROA) | 0.2995% | 5,820 |
| Pretax return on assets | 0.3033% | 5,950 |
| Return on Equity (ROE) | 2.9145% | 5,705 |
| Retained earnings to average equity (ytd only) | 1.6817% | 5,492 |
| Net charge-offs to loans | 0.1462% | 3,941 |
| Credit loss provision to net charge-offs | 57.3394% | 4,224 |
| Earnings coverage of net charge-offs (x) | 1.9037% | 4,310 |
| Efficiency ratio | 95.2045% | 702 |
| Assets per employee ($millions) | 3.5414% | 4,870 |
| Cash dividends to net income (ytd only)* | 42.2971% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,063 |
| Loan loss allowance to noncurrent loans | 45.5206% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 4.7592% | 949 |
| Noncurrent loans to loans | 3.7842% | 1,401 |
| Net loans and leases to total assets | 61.9498% | 3,388 |
| Net loans and leases to deposits | 80.1478% | 2,366 |
| Net loans and leases to core deposits | 92.9618% | 1,692 |
| Total domestic deposits to total assets | 77.2944% | 6,191 |
| Equity capital to assets | 10.6149% | 3,713 |
| Core capital (leverage) ratio | 9.2885% | 4,603 |
| Tier 1 risk-based capital ratio | 15.2584% | 3,667 |
| Total risk-based capital ratio | 16.5151% | 3,618 |
| Memoranda: | ||
| Average total assets | $317,836,500 | 2,041 |
| Average earning assets | $288,951,500 | 2,069 |
| Average equity | $32,663,750 | 2,131 |
| Average total loans | $198,857,250 | 2,035 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 2,397 |
| Cost of funding earning assets | 1.3409% | 444 |
| Net interest margin | 3.4865% | 4,733 |
| Noninterest income to average assets | 0.3595% | 4,965 |
| Noninterest expense to average assets | 3.3273% | 2,232 |
| Loan and lease loss provision to assets | 0.1250% | 3,961 |
| Net operating income to assets | 0.0678% | 6,229 |
| Return on assets (ROA) | 0.3282% | 5,718 |
| Pretax return on assets | 0.3345% | 5,880 |
| Return on Equity (ROE) | 3.2283% | 5,592 |
| Retained earnings to average equity (ytd only) | 1.9923% | 5,201 |
| Net charge-offs to loans | 0.1703% | 3,580 |
| Credit loss provision to net charge-offs | 117.6471% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.8235% | 4,067 |
| Efficiency ratio | 94.4957% | 780 |
| Assets per employee ($millions) | 3.6675% | 4,597 |
| Cash dividends to net income (ytd only)* | 38.2857% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7683% | 2,959 |
| Loan loss allowance to noncurrent loans | 48.3657% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 4.9564% | 968 |
| Noncurrent loans to loans | 3.6561% | 1,561 |
| Net loans and leases to total assets | 61.7676% | 3,486 |
| Net loans and leases to deposits | 79.5635% | 2,446 |
| Net loans and leases to core deposits | 94.9286% | 1,512 |
| Total domestic deposits to total assets | 77.6331% | 6,226 |
| Equity capital to assets | 10.4049% | 3,805 |
| Core capital (leverage) ratio | 9.0553% | 4,831 |
| Tier 1 risk-based capital ratio | 14.7037% | 3,962 |
| Total risk-based capital ratio | 15.9608% | 3,916 |
| Memoranda: | ||
| Average total assets | $319,900,000 | 2,025 |
| Average earning assets | $290,093,670 | 2,053 |
| Average equity | $32,524,670 | 2,119 |
| Average total loans | $199,660,330 | 2,028 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 2,440 |
| Cost of funding earning assets | 1.3832% | 449 |
| Net interest margin | 3.4677% | 4,833 |
| Noninterest income to average assets | 0.4122% | 4,577 |
| Noninterest expense to average assets | 3.1402% | 2,788 |
| Loan and lease loss provision to assets | 0.1863% | 3,107 |
| Net operating income to assets | 0.2029% | 5,977 |
| Return on assets (ROA) | 0.4085% | 5,405 |
| Pretax return on assets | 0.4495% | 5,583 |
| Return on Equity (ROE) | 4.0645% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.8167% | 4,845 |
| Net charge-offs to loans | 0.2316% | 2,766 |
| Credit loss provision to net charge-offs | 129.3103% | 1,875 |
| Earnings coverage of net charge-offs (x) | 2.8448% | 3,045 |
| Efficiency ratio | 88.4575% | 1,226 |
| Assets per employee ($millions) | 3.6546% | 4,751 |
| Cash dividends to net income (ytd only)* | 30.6991% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 3,173 |
| Loan loss allowance to noncurrent loans | 41.4326% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 5.8916% | 807 |
| Noncurrent loans to loans | 4.2161% | 1,432 |
| Net loans and leases to total assets | 61.4036% | 3,373 |
| Net loans and leases to deposits | 79.0200% | 2,341 |
| Net loans and leases to core deposits | 94.5197% | 1,416 |
| Total domestic deposits to total assets | 77.7064% | 6,310 |
| Equity capital to assets | 10.1076% | 3,986 |
| Core capital (leverage) ratio | 9.0042% | 4,836 |
| Tier 1 risk-based capital ratio | 14.6129% | 4,012 |
| Total risk-based capital ratio | 15.8695% | 3,970 |
| Memoranda: | ||
| Average total assets | $322,146,000 | 2,019 |
| Average earning assets | $291,488,500 | 2,050 |
| Average equity | $32,378,000 | 2,125 |
| Average total loans | $200,327,000 | 2,033 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0559% | 2,628 |
| Cost of funding earning assets | 1.5726% | 530 |
| Net interest margin | 3.4833% | 5,209 |
| Noninterest income to average assets | 0.4259% | 4,397 |
| Noninterest expense to average assets | 3.1676% | 2,976 |
| Loan and lease loss provision to assets | 0.4505% | 2,351 |
| Net operating income to assets | 0.1188% | 5,825 |
| Return on assets (ROA) | 0.1613% | 5,839 |
| Pretax return on assets | 0.0061% | 6,119 |
| Return on Equity (ROE) | 1.6965% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.4728% | 5,617 |
| Net charge-offs to loans | 0.9799% | 1,765 |
| Credit loss provision to net charge-offs | 72.4475% | 4,757 |
| Earnings coverage of net charge-offs (x) | 0.6659% | 5,320 |
| Efficiency ratio | 88.4394% | 1,325 |
| Assets per employee ($millions) | 3.6669% | 4,624 |
| Cash dividends to net income (ytd only)* | 72.1281% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 3,055 |
| Loan loss allowance to noncurrent loans | 40.7191% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 6.2708% | 758 |
| Noncurrent loans to loans | 4.2767% | 1,428 |
| Net loans and leases to total assets | 60.7985% | 3,827 |
| Net loans and leases to deposits | 79.5477% | 2,605 |
| Net loans and leases to core deposits | 96.4097% | 1,462 |
| Total domestic deposits to total assets | 76.4302% | 6,426 |
| Equity capital to assets | 9.9940% | 4,176 |
| Core capital (leverage) ratio | 8.9109% | 4,917 |
| Tier 1 risk-based capital ratio | 14.6841% | 3,843 |
| Total risk-based capital ratio | 15.9405% | 3,822 |
| Memoranda: | ||
| Average total assets | $329,177,000 | 1,960 |
| Average earning assets | $298,224,600 | 1,965 |
| Average equity | $31,299,800 | 2,115 |
| Average total loans | $208,908,400 | 1,968 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0921% | 2,639 |
| Cost of funding earning assets | 1.5964% | 588 |
| Net interest margin | 3.4957% | 5,208 |
| Noninterest income to average assets | 0.4599% | 4,221 |
| Noninterest expense to average assets | 3.1587% | 2,963 |
| Loan and lease loss provision to assets | 0.5373% | 1,835 |
| Net operating income to assets | 0.1209% | 5,914 |
| Return on assets (ROA) | 0.1008% | 6,078 |
| Pretax return on assets | -0.0983% | 6,333 |
| Return on Equity (ROE) | 1.0731% | 6,056 |
| Retained earnings to average equity (ytd only) | -0.1588% | 6,002 |
| Net charge-offs to loans | 0.6603% | 2,270 |
| Credit loss provision to net charge-offs | 127.4379% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.1157% | 4,792 |
| Efficiency ratio | 87.0391% | 1,431 |
| Assets per employee ($millions) | 3.6261% | 4,688 |
| Cash dividends to net income (ytd only)* | 114.7991% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1642% | 1,931 |
| Loan loss allowance to noncurrent loans | 36.1964% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 7.4934% | 627 |
| Noncurrent loans to loans | 5.9790% | 934 |
| Net loans and leases to total assets | 59.9524% | 4,138 |
| Net loans and leases to deposits | 78.2474% | 2,933 |
| Net loans and leases to core deposits | 94.3198% | 1,767 |
| Total domestic deposits to total assets | 76.6191% | 6,434 |
| Equity capital to assets | 9.8437% | 4,560 |
| Core capital (leverage) ratio | 8.8101% | 5,244 |
| Tier 1 risk-based capital ratio | 14.4312% | 4,029 |
| Total risk-based capital ratio | 15.6928% | 3,988 |
| Memoranda: | ||
| Average total assets | $330,800,250 | 1,962 |
| Average earning assets | $299,908,000 | 1,961 |
| Average equity | $31,062,500 | 2,133 |
| Average total loans | $211,219,500 | 1,962 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 2,535 |
| Cost of funding earning assets | 1.6214% | 645 |
| Net interest margin | 3.5119% | 5,103 |
| Noninterest income to average assets | 0.4580% | 4,215 |
| Noninterest expense to average assets | 3.0324% | 3,518 |
| Loan and lease loss provision to assets | 0.3292% | 2,809 |
| Net operating income to assets | 0.3786% | 5,040 |
| Return on assets (ROA) | 0.3672% | 5,239 |
| Pretax return on assets | 0.2751% | 5,726 |
| Return on Equity (ROE) | 3.9729% | 4,955 |
| Retained earnings to average equity (ytd only) | 2.7289% | 4,551 |
| Net charge-offs to loans | 0.3033% | 3,354 |
| Credit loss provision to net charge-offs | 167.7914% | 1,802 |
| Earnings coverage of net charge-offs (x) | 3.1380% | 3,289 |
| Efficiency ratio | 83.1216% | 1,941 |
| Assets per employee ($millions) | 3.7116% | 4,407 |
| Cash dividends to net income (ytd only)* | 31.3115% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 2,238 |
| Loan loss allowance to noncurrent loans | 53.1083% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 5.7996% | 984 |
| Noncurrent loans to loans | 3.8568% | 1,800 |
| Net loans and leases to total assets | 62.4144% | 3,811 |
| Net loans and leases to deposits | 83.1254% | 2,250 |
| Net loans and leases to core deposits | 100.1493% | 1,330 |
| Total domestic deposits to total assets | 75.0846% | 6,717 |
| Equity capital to assets | 9.7004% | 4,537 |
| Core capital (leverage) ratio | 8.9020% | 4,874 |
| Tier 1 risk-based capital ratio | 14.2898% | 3,946 |
| Total risk-based capital ratio | 15.5502% | 3,913 |
| Memoranda: | ||
| Average total assets | $332,283,000 | 1,962 |
| Average earning assets | $301,833,000 | 1,962 |
| Average equity | $30,708,330 | 2,141 |
| Average total loans | $214,964,670 | 1,947 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 2,405 |
| Cost of funding earning assets | 1.6482% | 678 |
| Net interest margin | 3.5074% | 4,976 |
| Noninterest income to average assets | 0.3903% | 4,783 |
| Noninterest expense to average assets | 3.0831% | 3,321 |
| Loan and lease loss provision to assets | 0.2149% | 3,501 |
| Net operating income to assets | 0.3569% | 5,141 |
| Return on assets (ROA) | 0.3020% | 5,457 |
| Pretax return on assets | 0.2304% | 5,866 |
| Return on Equity (ROE) | 3.3487% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.0781% | 4,896 |
| Net charge-offs to loans | 0.4524% | 2,340 |
| Credit loss provision to net charge-offs | 72.8745% | 3,300 |
| Earnings coverage of net charge-offs (x) | 1.6964% | 3,464 |
| Efficiency ratio | 86.0426% | 1,711 |
| Assets per employee ($millions) | 3.6799% | 4,580 |
| Cash dividends to net income (ytd only)* | 37.9447% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8291% | 2,922 |
| Loan loss allowance to noncurrent loans | 38.1858% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 5.4116% | 1,130 |
| Noncurrent loans to loans | 4.7899% | 1,423 |
| Net loans and leases to total assets | 63.6938% | 3,500 |
| Net loans and leases to deposits | 84.3830% | 1,971 |
| Net loans and leases to core deposits | 104.0377% | 1,060 |
| Total domestic deposits to total assets | 75.4818% | 6,740 |
| Equity capital to assets | 9.0577% | 5,120 |
| Core capital (leverage) ratio | 8.7772% | 4,958 |
| Tier 1 risk-based capital ratio | 13.6970% | 4,286 |
| Total risk-based capital ratio | 14.9548% | 4,251 |
| Memoranda: | ||
| Average total assets | $335,112,000 | 1,957 |
| Average earning assets | $305,068,000 | 1,951 |
| Average equity | $30,220,500 | 2,165 |
| Average total loans | $218,385,000 | 1,939 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 2,295 |
| Cost of funding earning assets | 2.0599% | 490 |
| Net interest margin | 3.4374% | 5,483 |
| Noninterest income to average assets | 0.5101% | 4,094 |
| Noninterest expense to average assets | 3.1443% | 3,299 |
| Loan and lease loss provision to assets | 0.4684% | 3,324 |
| Net operating income to assets | 0.1484% | 5,446 |
| Return on assets (ROA) | 0.3981% | 4,688 |
| Pretax return on assets | 0.2736% | 5,303 |
| Return on Equity (ROE) | 4.4207% | 4,332 |
| Retained earnings to average equity (ytd only) | 3.1738% | 3,644 |
| Net charge-offs to loans | 0.6625% | 3,022 |
| Credit loss provision to net charge-offs | 106.5693% | 4,182 |
| Earnings coverage of net charge-offs (x) | 1.1201% | 4,986 |
| Efficiency ratio | 86.4624% | 1,640 |
| Assets per employee ($millions) | 3.7680% | 4,328 |
| Cash dividends to net income (ytd only)* | 28.2051% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 2,713 |
| Loan loss allowance to noncurrent loans | 52.0345% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 4.6683% | 1,414 |
| Noncurrent loans to loans | 3.5380% | 2,131 |
| Net loans and leases to total assets | 64.2496% | 3,824 |
| Net loans and leases to deposits | 85.6271% | 2,164 |
| Net loans and leases to core deposits | 105.2539% | 1,242 |
| Total domestic deposits to total assets | 75.0341% | 6,765 |
| Equity capital to assets | 8.9784% | 5,172 |
| Core capital (leverage) ratio | 8.6391% | 5,125 |
| Tier 1 risk-based capital ratio | 13.4580% | 4,241 |
| Total risk-based capital ratio | 14.7159% | 4,204 |
| Memoranda: | ||
| Average total assets | $342,877,600 | 1,908 |
| Average earning assets | $311,865,200 | 1,909 |
| Average equity | $30,877,400 | 2,121 |
| Average total loans | $227,469,600 | 1,920 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5618% | 2,207 |
| Cost of funding earning assets | 2.1220% | 500 |
| Net interest margin | 3.4398% | 5,530 |
| Noninterest income to average assets | 0.5000% | 4,188 |
| Noninterest expense to average assets | 3.1596% | 3,069 |
| Loan and lease loss provision to assets | 0.5004% | 2,958 |
| Net operating income to assets | 0.0634% | 5,860 |
| Return on assets (ROA) | 0.3844% | 5,006 |
| Pretax return on assets | 0.2904% | 5,539 |
| Return on Equity (ROE) | 4.2656% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.0211% | 4,317 |
| Net charge-offs to loans | 0.6891% | 2,702 |
| Credit loss provision to net charge-offs | 109.1062% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.0245% | 5,031 |
| Efficiency ratio | 87.0538% | 1,525 |
| Assets per employee ($millions) | 3.7435% | 4,407 |
| Cash dividends to net income (ytd only)* | 29.1753% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,815 |
| Loan loss allowance to noncurrent loans | 86.9659% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 4.0486% | 1,723 |
| Noncurrent loans to loans | 2.0583% | 3,609 |
| Net loans and leases to total assets | 65.2269% | 3,859 |
| Net loans and leases to deposits | 85.9635% | 2,353 |
| Net loans and leases to core deposits | 103.7653% | 1,508 |
| Total domestic deposits to total assets | 75.8774% | 6,679 |
| Equity capital to assets | 9.3598% | 5,039 |
| Core capital (leverage) ratio | 9.0097% | 4,678 |
| Tier 1 risk-based capital ratio | 14.0518% | 3,796 |
| Total risk-based capital ratio | 15.3089% | 3,764 |
| Memoranda: | ||
| Average total assets | $344,759,500 | 1,922 |
| Average earning assets | $313,657,250 | 1,922 |
| Average equity | $31,069,500 | 2,126 |
| Average total loans | $229,461,500 | 1,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6433% | 1,968 |
| Cost of funding earning assets | 2.1528% | 544 |
| Net interest margin | 3.4904% | 5,285 |
| Noninterest income to average assets | 0.4865% | 4,219 |
| Noninterest expense to average assets | 2.9752% | 3,806 |
| Loan and lease loss provision to assets | 0.3923% | 3,368 |
| Net operating income to assets | 0.3866% | 4,813 |
| Return on assets (ROA) | 0.3866% | 4,979 |
| Pretax return on assets | 0.2930% | 5,518 |
| Return on Equity (ROE) | 4.3445% | 4,623 |
| Retained earnings to average equity (ytd only) | 3.1171% | 4,129 |
| Net charge-offs to loans | 0.3531% | 3,583 |
| Credit loss provision to net charge-offs | 166.8305% | 2,353 |
| Earnings coverage of net charge-offs (x) | 2.9140% | 3,538 |
| Efficiency ratio | 81.2786% | 2,262 |
| Assets per employee ($millions) | 3.8579% | 4,075 |
| Cash dividends to net income (ytd only)* | 28.2511% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,613 |
| Loan loss allowance to noncurrent loans | 94.1886% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 4.0943% | 1,668 |
| Noncurrent loans to loans | 1.9502% | 3,794 |
| Net loans and leases to total assets | 65.5882% | 3,917 |
| Net loans and leases to deposits | 86.0382% | 2,500 |
| Net loans and leases to core deposits | 103.3587% | 1,695 |
| Total domestic deposits to total assets | 76.2315% | 6,641 |
| Equity capital to assets | 9.1396% | 5,235 |
| Core capital (leverage) ratio | 8.9500% | 4,684 |
| Tier 1 risk-based capital ratio | 13.4448% | 4,105 |
| Total risk-based capital ratio | 14.7021% | 4,064 |
| Memoranda: | ||
| Average total assets | $346,126,000 | 1,930 |
| Average earning assets | $314,747,670 | 1,933 |
| Average equity | $30,797,670 | 2,142 |
| Average total loans | $230,531,330 | 1,940 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6070% | 2,123 |
| Cost of funding earning assets | 2.2147% | 566 |
| Net interest margin | 3.3923% | 5,611 |
| Noninterest income to average assets | 0.4547% | 4,425 |
| Noninterest expense to average assets | 2.9490% | 3,862 |
| Loan and lease loss provision to assets | 0.3142% | 3,537 |
| Net operating income to assets | 0.3177% | 5,219 |
| Return on assets (ROA) | 0.3234% | 5,328 |
| Pretax return on assets | 0.2809% | 5,659 |
| Return on Equity (ROE) | 3.6845% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.4520% | 4,662 |
| Net charge-offs to loans | 0.4570% | 2,676 |
| Credit loss provision to net charge-offs | 103.4091% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 3,571 |
| Efficiency ratio | 83.3442% | 2,095 |
| Assets per employee ($millions) | 3.6468% | 4,705 |
| Cash dividends to net income (ytd only)* | 33.4520% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7098% | 3,028 |
| Loan loss allowance to noncurrent loans | 74.7022% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 4.4001% | 1,542 |
| Noncurrent loans to loans | 2.2888% | 3,403 |
| Net loans and leases to total assets | 65.5605% | 3,967 |
| Net loans and leases to deposits | 86.3987% | 2,513 |
| Net loans and leases to core deposits | 102.8911% | 1,831 |
| Total domestic deposits to total assets | 75.8813% | 6,779 |
| Equity capital to assets | 8.8580% | 5,462 |
| Core capital (leverage) ratio | 8.7917% | 4,869 |
| Tier 1 risk-based capital ratio | 13.0176% | 4,320 |
| Total risk-based capital ratio | 14.2728% | 4,291 |
| Memoranda: | ||
| Average total assets | $347,512,500 | 1,967 |
| Average earning assets | $315,892,500 | 1,976 |
| Average equity | $30,506,000 | 2,190 |
| Average total loans | $231,090,500 | 1,990 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6845% | 3,184 |
| Cost of funding earning assets | 2.5735% | 844 |
| Net interest margin | 3.1110% | 6,337 |
| Noninterest income to average assets | 0.6565% | 3,247 |
| Noninterest expense to average assets | 3.1316% | 3,607 |
| Loan and lease loss provision to assets | 0.6685% | 3,142 |
| Net operating income to assets | -0.0237% | 5,538 |
| Return on assets (ROA) | -0.0036% | 5,543 |
| Pretax return on assets | -0.2303% | 5,736 |
| Return on Equity (ROE) | -0.0430% | 5,545 |
| Retained earnings to average equity (ytd only) | -1.1822% | 5,304 |
| Net charge-offs to loans | 0.8453% | 2,713 |
| Credit loss provision to net charge-offs | 109.3149% | 5,047 |
| Earnings coverage of net charge-offs (x) | 0.6654% | 5,425 |
| Efficiency ratio | 88.5009% | 1,837 |
| Assets per employee ($millions) | 3.7083% | 4,499 |
| Cash dividends to net income (ytd only)* | -2,650.0000% | 8,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 2,879 |
| Loan loss allowance to noncurrent loans | 66.3636% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 4.4085% | 1,472 |
| Noncurrent loans to loans | 2.5703% | 2,986 |
| Net loans and leases to total assets | 65.1664% | 4,346 |
| Net loans and leases to deposits | 87.6137% | 2,626 |
| Net loans and leases to core deposits | 126.7391% | 1,461 |
| Total domestic deposits to total assets | 74.3792% | 6,964 |
| Equity capital to assets | 8.6993% | 5,583 |
| Core capital (leverage) ratio | 8.7378% | 4,859 |
| Tier 1 risk-based capital ratio | 12.8847% | 4,220 |
| Total risk-based capital ratio | 14.1398% | 4,169 |
| Memoranda: | ||
| Average total assets | $331,776,200 | 2,045 |
| Average earning assets | $307,362,400 | 2,026 |
| Average equity | $27,913,200 | 2,380 |
| Average total loans | $240,022,400 | 1,951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6378% | 3,651 |
| Cost of funding earning assets | 2.6186% | 987 |
| Net interest margin | 3.0192% | 6,551 |
| Noninterest income to average assets | 0.6541% | 3,326 |
| Noninterest expense to average assets | 3.0608% | 3,804 |
| Loan and lease loss provision to assets | 0.4408% | 3,705 |
| Net operating income to assets | 0.0993% | 5,463 |
| Return on assets (ROA) | 0.1416% | 5,414 |
| Pretax return on assets | 0.0045% | 5,697 |
| Return on Equity (ROE) | 1.6989% | 5,262 |
| Retained earnings to average equity (ytd only) | 0.5907% | 4,953 |
| Net charge-offs to loans | 0.5317% | 3,092 |
| Credit loss provision to net charge-offs | 112.1118% | 4,527 |
| Earnings coverage of net charge-offs (x) | 1.0248% | 5,027 |
| Efficiency ratio | 88.3666% | 1,832 |
| Assets per employee ($millions) | 3.6437% | 4,562 |
| Cash dividends to net income (ytd only)* | 65.2299% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 2,752 |
| Loan loss allowance to noncurrent loans | 34.7366% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 5.1515% | 1,130 |
| Noncurrent loans to loans | 4.7900% | 1,419 |
| Net loans and leases to total assets | 66.7791% | 4,238 |
| Net loans and leases to deposits | 88.9052% | 2,804 |
| Net loans and leases to core deposits | 129.0780% | 1,496 |
| Total domestic deposits to total assets | 75.1127% | 6,752 |
| Equity capital to assets | 9.2089% | 5,151 |
| Core capital (leverage) ratio | 9.4514% | 3,975 |
| Tier 1 risk-based capital ratio | 13.3153% | 3,981 |
| Total risk-based capital ratio | 14.5704% | 3,919 |
| Memoranda: | ||
| Average total assets | $327,575,250 | 2,085 |
| Average earning assets | $304,841,500 | 2,061 |
| Average equity | $27,310,500 | 2,452 |
| Average total loans | $242,253,250 | 1,952 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7624% | 3,236 |
| Cost of funding earning assets | 2.7432% | 921 |
| Net interest margin | 3.0191% | 6,489 |
| Noninterest income to average assets | 0.6993% | 3,000 |
| Noninterest expense to average assets | 3.0725% | 3,805 |
| Loan and lease loss provision to assets | 0.3366% | 3,924 |
| Net operating income to assets | 0.1810% | 5,331 |
| Return on assets (ROA) | 0.2455% | 5,200 |
| Pretax return on assets | 0.1699% | 5,541 |
| Return on Equity (ROE) | 3.0579% | 4,875 |
| Retained earnings to average equity (ytd only) | 1.3050% | 4,609 |
| Net charge-offs to loans | 0.5972% | 2,547 |
| Credit loss provision to net charge-offs | 74.0791% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.9727% | 4,802 |
| Efficiency ratio | 87.4228% | 2,084 |
| Assets per employee ($millions) | 3.4815% | 4,855 |
| Cash dividends to net income (ytd only)* | 57.3232% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 3,237 |
| Loan loss allowance to noncurrent loans | 27.9561% | 6,636 |
| Noncurrent assets plus other real estate owned to assets | 4.8654% | 1,115 |
| Noncurrent loans to loans | 5.3403% | 1,109 |
| Net loans and leases to total assets | 73.3984% | 2,862 |
| Net loans and leases to deposits | 97.8246% | 1,545 |
| Net loans and leases to core deposits | 134.7682% | 1,272 |
| Total domestic deposits to total assets | 75.0306% | 6,758 |
| Equity capital to assets | 8.1967% | 6,495 |
| Core capital (leverage) ratio | 8.3890% | 5,643 |
| Tier 1 risk-based capital ratio | 11.8640% | 5,028 |
| Total risk-based capital ratio | 13.1181% | 4,943 |
| Memoranda: | ||
| Average total assets | $322,599,000 | 2,135 |
| Average earning assets | $300,814,670 | 2,110 |
| Average equity | $25,900,330 | 2,564 |
| Average total loans | $245,474,000 | 1,967 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8849% | 2,872 |
| Cost of funding earning assets | 2.8657% | 838 |
| Net interest margin | 3.0192% | 6,428 |
| Noninterest income to average assets | 0.7104% | 2,822 |
| Noninterest expense to average assets | 3.0196% | 3,679 |
| Loan and lease loss provision to assets | 0.5313% | 2,345 |
| Net operating income to assets | 0.0729% | 6,058 |
| Return on assets (ROA) | 0.2014% | 5,821 |
| Pretax return on assets | 0.1063% | 6,154 |
| Return on Equity (ROE) | 2.5346% | 5,561 |
| Retained earnings to average equity (ytd only) | -0.0155% | 5,650 |
| Net charge-offs to loans | 0.1045% | 4,132 |
| Credit loss provision to net charge-offs | 661.5385% | 875 |
| Earnings coverage of net charge-offs (x) | 6.3385% | 2,510 |
| Efficiency ratio | 85.5742% | 2,125 |
| Assets per employee ($millions) | 3.5105% | 4,795 |
| Cash dividends to net income (ytd only)* | 100.6135% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 2,291 |
| Loan loss allowance to noncurrent loans | 61.9807% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.6842% | 2,122 |
| Noncurrent loans to loans | 2.6711% | 2,458 |
| Net loans and leases to total assets | 75.7389% | 2,336 |
| Net loans and leases to deposits | 101.5206% | 1,228 |
| Net loans and leases to core deposits | 139.3415% | 1,137 |
| Total domestic deposits to total assets | 74.6045% | 6,785 |
| Equity capital to assets | 7.9738% | 6,852 |
| Core capital (leverage) ratio | 8.2450% | 6,010 |
| Tier 1 risk-based capital ratio | 11.7656% | 5,153 |
| Total risk-based capital ratio | 13.0226% | 5,069 |
| Memoranda: | ||
| Average total assets | $323,748,500 | 2,144 |
| Average earning assets | $302,195,500 | 2,111 |
| Average equity | $25,723,500 | 2,593 |
| Average total loans | $248,882,000 | 1,972 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5096% | 2,912 |
| Cost of funding earning assets | 3.2214% | 1,125 |
| Net interest margin | 3.2882% | 6,081 |
| Noninterest income to average assets | 0.5651% | 4,109 |
| Noninterest expense to average assets | 2.9522% | 4,251 |
| Loan and lease loss provision to assets | 0.4346% | 3,120 |
| Net operating income to assets | 0.2933% | 5,568 |
| Return on assets (ROA) | 0.2973% | 5,368 |
| Pretax return on assets | 0.2622% | 5,598 |
| Return on Equity (ROE) | 3.6368% | 4,979 |
| Retained earnings to average equity (ytd only) | -0.0076% | 5,263 |
| Net charge-offs to loans | 0.1405% | 4,814 |
| Credit loss provision to net charge-offs | 404.6377% | 1,086 |
| Earnings coverage of net charge-offs (x) | 6.4493% | 3,358 |
| Efficiency ratio | 80.9943% | 2,449 |
| Assets per employee ($millions) | 3.4161% | 4,896 |
| Cash dividends to net income (ytd only)* | 100.2094% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 2,644 |
| Loan loss allowance to noncurrent loans | 63.5025% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 2.5619% | 1,883 |
| Noncurrent loans to loans | 2.3732% | 2,319 |
| Net loans and leases to total assets | 75.5805% | 2,737 |
| Net loans and leases to deposits | 101.1568% | 1,685 |
| Net loans and leases to core deposits | 136.0575% | 1,479 |
| Total domestic deposits to total assets | 74.7161% | 6,515 |
| Equity capital to assets | 7.9174% | 6,944 |
| Core capital (leverage) ratio | 8.2371% | 6,087 |
| Tier 1 risk-based capital ratio | 11.3421% | 5,399 |
| Total risk-based capital ratio | 12.5962% | 5,298 |
| Memoranda: | ||
| Average total assets | $321,188,400 | 2,078 |
| Average earning assets | $300,834,600 | 2,031 |
| Average equity | $26,259,000 | 2,529 |
| Average total loans | $245,628,600 | 1,937 |