Home > Logan Bank & Trust Company > Performance and Condition Ratios
Logan Bank & Trust Company, 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 | 4.2971% | 4,074 |
| Cost of funding earning assets | 1.1295% | 3,839 |
| Net interest margin | 3.1676% | 3,084 |
| Noninterest income to average assets | 0.6500% | 1,175 |
| Noninterest expense to average assets | 1.9655% | 3,619 |
| Loan and lease loss provision to assets | 0.0400% | 2,137 |
| Net operating income to assets | 1.3367% | 1,399 |
| Return on assets (ROA) | 1.3367% | 1,390 |
| Pretax return on assets | 1.6415% | 1,215 |
| Return on Equity (ROE) | 21.3600% | 345 |
| Retained earnings to average equity (ytd only) | 14.8673% | 446 |
| Net charge-offs to loans | 0.0277% | 1,446 |
| Credit loss provision to net charge-offs | 300.0000% | 712 |
| Earnings coverage of net charge-offs (x) | 124.1667% | 609 |
| Efficiency ratio | 53.8842% | 3,610 |
| Assets per employee ($millions) | 7.6337% | 1,798 |
| Cash dividends to net income (ytd only)* | 30.4054% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7982% | 3,865 |
| Loan loss allowance to noncurrent loans | 265.0096% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1803% | 2,604 |
| Noncurrent loans to loans | 0.3012% | 2,413 |
| Net loans and leases to total assets | 48.0100% | 3,666 |
| Net loans and leases to deposits | 51.5134% | 3,823 |
| Net loans and leases to core deposits | 55.7694% | 3,833 |
| Total domestic deposits to total assets | 93.2000% | 129 |
| Equity capital to assets | 6.5329% | 4,143 |
| Core capital (leverage) ratio | 10.4264% | 2,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $354,316,500 | 2,242 |
| Average earning assets | $335,014,000 | 2,208 |
| Average equity | $22,169,500 | 2,874 |
| Average total loans | $173,271,000 | 2,585 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 4,039 |
| Cost of funding earning assets | 1.1324% | 3,900 |
| Net interest margin | 3.2038% | 2,717 |
| Noninterest income to average assets | 0.6900% | 1,210 |
| Noninterest expense to average assets | 2.1012% | 3,375 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.2924% | 1,303 |
| Return on assets (ROA) | 1.2924% | 1,312 |
| Pretax return on assets | 1.5805% | 1,151 |
| Return on Equity (ROE) | 21.2600% | 329 |
| Retained earnings to average equity (ytd only) | 12.7451% | 235 |
| Net charge-offs to loans | 0.0024% | 2,921 |
| Credit loss provision to net charge-offs | 2,800.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 1,394.7500% | 84 |
| Efficiency ratio | 56.5600% | 3,501 |
| Assets per employee ($millions) | 7.6055% | 1,782 |
| Cash dividends to net income (ytd only)* | 40.0627% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7877% | 3,905 |
| Loan loss allowance to noncurrent loans | 412.7273% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,818 |
| Noncurrent loans to loans | 0.1909% | 2,751 |
| Net loans and leases to total assets | 49.0300% | 3,674 |
| Net loans and leases to deposits | 52.3045% | 3,845 |
| Net loans and leases to core deposits | 57.1124% | 3,852 |
| Total domestic deposits to total assets | 93.7500% | 117 |
| Equity capital to assets | 5.9740% | 4,214 |
| Core capital (leverage) ratio | 10.2806% | 2,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $345,712,200 | 2,251 |
| Average earning assets | $326,827,000 | 2,223 |
| Average equity | $21,012,000 | 2,900 |
| Average total loans | $165,493,600 | 2,605 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2958% | 4,067 |
| Cost of funding earning assets | 1.1046% | 3,933 |
| Net interest margin | 3.1912% | 2,710 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 2.0161% | 3,527 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.3233% | 1,276 |
| Return on assets (ROA) | 1.3233% | 1,277 |
| Pretax return on assets | 1.6514% | 1,089 |
| Return on Equity (ROE) | 21.6800% | 322 |
| Retained earnings to average equity (ytd only) | 14.2265% | 275 |
| Net charge-offs to loans | 0.0033% | 2,611 |
| Credit loss provision to net charge-offs | 2,250.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 1,090.5000% | 108 |
| Efficiency ratio | 54.4391% | 3,687 |
| Assets per employee ($millions) | 7.3500% | 1,906 |
| Cash dividends to net income (ytd only)* | 34.3759% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7737% | 3,960 |
| Loan loss allowance to noncurrent loans | 483.7545% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,911 |
| Noncurrent loans to loans | 0.1599% | 2,908 |
| Net loans and leases to total assets | 48.7100% | 3,692 |
| Net loans and leases to deposits | 52.4973% | 3,863 |
| Net loans and leases to core deposits | 56.7099% | 3,884 |
| Total domestic deposits to total assets | 92.7900% | 111 |
| Equity capital to assets | 6.9362% | 4,139 |
| Core capital (leverage) ratio | 10.2391% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $344,677,500 | 2,248 |
| Average earning assets | $325,890,000 | 2,224 |
| Average equity | $21,040,000 | 2,898 |
| Average total loans | $163,640,500 | 2,621 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 4,103 |
| Cost of funding earning assets | 1.0690% | 3,944 |
| Net interest margin | 3.1637% | 2,705 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 1.9932% | 3,576 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 1.3206% | 1,223 |
| Return on assets (ROA) | 1.3206% | 1,235 |
| Pretax return on assets | 1.6440% | 1,061 |
| Return on Equity (ROE) | 22.7000% | 311 |
| Retained earnings to average equity (ytd only) | 14.8570% | 291 |
| Net charge-offs to loans | -0.0025% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 54.3801% | 3,721 |
| Assets per employee ($millions) | 6.6200% | 2,317 |
| Cash dividends to net income (ytd only)* | 34.5438% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7853% | 3,963 |
| Loan loss allowance to noncurrent loans | 891.0959% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 2,873 |
| Noncurrent loans to loans | 0.0881% | 3,216 |
| Net loans and leases to total assets | 47.7500% | 3,757 |
| Net loans and leases to deposits | 50.8473% | 3,934 |
| Net loans and leases to core deposits | 54.9408% | 3,934 |
| Total domestic deposits to total assets | 93.9000% | 92 |
| Equity capital to assets | 5.8904% | 4,234 |
| Core capital (leverage) ratio | 10.1346% | 2,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $341,970,000 | 2,248 |
| Average earning assets | $323,101,667 | 2,224 |
| Average equity | $19,896,333 | 2,952 |
| Average total loans | $160,453,667 | 2,645 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1317% | 4,142 |
| Cost of funding earning assets | 1.0308% | 3,957 |
| Net interest margin | 3.1010% | 2,789 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 1.9869% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.2968% | 1,241 |
| Return on assets (ROA) | 1.2968% | 1,249 |
| Pretax return on assets | 1.6125% | 1,080 |
| Return on Equity (ROE) | 22.4300% | 314 |
| Retained earnings to average equity (ytd only) | 13.9044% | 510 |
| Net charge-offs to loans | -0.0051% | 3,724 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 55.2005% | 3,662 |
| Assets per employee ($millions) | 7.0378% | 2,061 |
| Cash dividends to net income (ytd only)* | 38.0090% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 3,971 |
| Loan loss allowance to noncurrent loans | 884.5070% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 2,865 |
| Noncurrent loans to loans | 0.0891% | 3,166 |
| Net loans and leases to total assets | 45.8700% | 3,814 |
| Net loans and leases to deposits | 48.7636% | 3,967 |
| Net loans and leases to core deposits | 52.4096% | 4,022 |
| Total domestic deposits to total assets | 94.0600% | 114 |
| Equity capital to assets | 5.6453% | 4,276 |
| Core capital (leverage) ratio | 10.0126% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $340,835,000 | 2,254 |
| Average earning assets | $322,094,000 | 2,228 |
| Average equity | $19,706,000 | 2,976 |
| Average total loans | $157,846,000 | 2,658 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9985% | 3,969 |
| Cost of funding earning assets | 0.7209% | 3,894 |
| Net interest margin | 3.2776% | 2,687 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.0740% | 3,466 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3722% | 1,269 |
| Return on assets (ROA) | 1.2971% | 1,410 |
| Pretax return on assets | 1.5511% | 1,325 |
| Return on Equity (ROE) | 25.8400% | 283 |
| Retained earnings to average equity (ytd only) | 15.7816% | 281 |
| Net charge-offs to loans | 0.0285% | 1,738 |
| Credit loss provision to net charge-offs | 247.7273% | 1,072 |
| Earnings coverage of net charge-offs (x) | 126.3864% | 793 |
| Efficiency ratio | 55.3477% | 3,566 |
| Assets per employee ($millions) | 6.8739% | 2,152 |
| Cash dividends to net income (ytd only)* | 38.9237% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8025% | 3,955 |
| Loan loss allowance to noncurrent loans | 649.7409% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 2,657 |
| Noncurrent loans to loans | 0.1235% | 2,899 |
| Net loans and leases to total assets | 46.0200% | 3,813 |
| Net loans and leases to deposits | 49.0226% | 3,971 |
| Net loans and leases to core deposits | 52.6229% | 4,016 |
| Total domestic deposits to total assets | 93.8700% | 114 |
| Equity capital to assets | 5.9213% | 4,248 |
| Core capital (leverage) ratio | 9.9651% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $332,350,800 | 2,263 |
| Average earning assets | $313,494,800 | 2,232 |
| Average equity | $16,684,000 | 3,120 |
| Average total loans | $154,608,600 | 2,639 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,923 |
| Cost of funding earning assets | 0.6496% | 3,868 |
| Net interest margin | 3.3000% | 2,685 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.0549% | 3,454 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.3688% | 1,385 |
| Return on assets (ROA) | 1.3682% | 1,369 |
| Pretax return on assets | 1.6970% | 1,164 |
| Return on Equity (ROE) | 28.5600% | 255 |
| Retained earnings to average equity (ytd only) | 18.5682% | 314 |
| Net charge-offs to loans | 0.0251% | 1,577 |
| Credit loss provision to net charge-offs | 141.3793% | 1,356 |
| Earnings coverage of net charge-offs (x) | 146.8621% | 744 |
| Efficiency ratio | 54.5173% | 3,545 |
| Assets per employee ($millions) | 6.6866% | 2,194 |
| Cash dividends to net income (ytd only)* | 34.9809% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 4,046 |
| Loan loss allowance to noncurrent loans | 280.6075% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 2,480 |
| Noncurrent loans to loans | 0.2722% | 2,264 |
| Net loans and leases to total assets | 46.6700% | 3,800 |
| Net loans and leases to deposits | 48.8486% | 3,976 |
| Net loans and leases to core deposits | 52.1165% | 3,980 |
| Total domestic deposits to total assets | 95.5300% | 95 |
| Equity capital to assets | 4.3610% | 4,356 |
| Core capital (leverage) ratio | 10.0564% | 2,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $331,233,750 | 2,262 |
| Average earning assets | $312,196,750 | 2,235 |
| Average equity | $15,869,000 | 3,183 |
| Average total loans | $154,196,500 | 2,647 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 3,968 |
| Cost of funding earning assets | 0.5526% | 3,876 |
| Net interest margin | 3.2895% | 2,780 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.0357% | 3,504 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.3711% | 1,398 |
| Return on assets (ROA) | 1.3701% | 1,380 |
| Pretax return on assets | 1.6965% | 1,221 |
| Return on Equity (ROE) | 27.7600% | 273 |
| Retained earnings to average equity (ytd only) | 17.8910% | 347 |
| Net charge-offs to loans | 0.0379% | 1,147 |
| Credit loss provision to net charge-offs | 79.3103% | 1,555 |
| Earnings coverage of net charge-offs (x) | 97.4483% | 951 |
| Efficiency ratio | 54.3236% | 3,583 |
| Assets per employee ($millions) | 6.1712% | 2,568 |
| Cash dividends to net income (ytd only)* | 35.5438% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7484% | 4,108 |
| Loan loss allowance to noncurrent loans | 317.1582% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,505 |
| Noncurrent loans to loans | 0.2360% | 2,315 |
| Net loans and leases to total assets | 47.0800% | 3,736 |
| Net loans and leases to deposits | 49.6106% | 3,932 |
| Net loans and leases to core deposits | 53.1918% | 3,920 |
| Total domestic deposits to total assets | 94.9000% | 98 |
| Equity capital to assets | 4.9669% | 4,386 |
| Core capital (leverage) ratio | 9.8144% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $330,202,000 | 2,277 |
| Average earning assets | $311,236,333 | 2,253 |
| Average equity | $16,298,667 | 3,161 |
| Average total loans | $153,189,333 | 2,646 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7623% | 3,919 |
| Cost of funding earning assets | 0.4083% | 3,946 |
| Net interest margin | 3.3540% | 2,743 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.0251% | 3,572 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.4214% | 1,348 |
| Return on assets (ROA) | 1.4214% | 1,321 |
| Pretax return on assets | 1.7585% | 1,152 |
| Return on Equity (ROE) | 28.8900% | 260 |
| Retained earnings to average equity (ytd only) | 18.5258% | 475 |
| Net charge-offs to loans | 0.0637% | 749 |
| Credit loss provision to net charge-offs | 20.8333% | 1,375 |
| Earnings coverage of net charge-offs (x) | 60.4167% | 1,013 |
| Efficiency ratio | 53.4361% | 3,661 |
| Assets per employee ($millions) | 6.3217% | 2,479 |
| Cash dividends to net income (ytd only)* | 35.8733% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 4,148 |
| Loan loss allowance to noncurrent loans | 596.9388% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 2,746 |
| Noncurrent loans to loans | 0.1283% | 2,871 |
| Net loans and leases to total assets | 45.2300% | 3,813 |
| Net loans and leases to deposits | 47.7470% | 3,967 |
| Net loans and leases to core deposits | 50.6505% | 3,967 |
| Total domestic deposits to total assets | 94.7400% | 113 |
| Equity capital to assets | 5.0470% | 4,413 |
| Core capital (leverage) ratio | 9.6657% | 3,040 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $328,680,000 | 2,320 |
| Average earning assets | $309,599,500 | 2,289 |
| Average equity | $16,172,000 | 3,202 |
| Average total loans | $150,746,000 | 2,694 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2497% | 3,714 |
| Cost of funding earning assets | 0.1699% | 4,001 |
| Net interest margin | 3.0799% | 3,226 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 1.9911% | 3,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2321% | 1,654 |
| Return on assets (ROA) | 1.2326% | 1,603 |
| Pretax return on assets | 1.4711% | 1,536 |
| Return on Equity (ROE) | 21.5400% | 363 |
| Retained earnings to average equity (ytd only) | 13.1063% | 495 |
| Net charge-offs to loans | 0.0178% | 1,748 |
| Credit loss provision to net charge-offs | 48.0000% | 1,830 |
| Earnings coverage of net charge-offs (x) | 192.5600% | 661 |
| Efficiency ratio | 57.4585% | 3,409 |
| Assets per employee ($millions) | 5.8602% | 2,896 |
| Cash dividends to net income (ytd only)* | 39.1553% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7993% | 4,029 |
| Loan loss allowance to noncurrent loans | 234.5168% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,192 |
| Noncurrent loans to loans | 0.3408% | 1,929 |
| Net loans and leases to total assets | 45.7900% | 3,814 |
| Net loans and leases to deposits | 48.3940% | 3,966 |
| Net loans and leases to core deposits | 51.3753% | 3,927 |
| Total domestic deposits to total assets | 94.6100% | 184 |
| Equity capital to assets | 4.7885% | 4,417 |
| Core capital (leverage) ratio | 9.6511% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $326,548,800 | 2,314 |
| Average earning assets | $306,735,200 | 2,298 |
| Average equity | $18,685,600 | 3,065 |
| Average total loans | $140,750,000 | 2,717 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1449% | 3,567 |
| Cost of funding earning assets | 0.1609% | 3,724 |
| Net interest margin | 2.9840% | 3,258 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.9759% | 3,541 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1763% | 1,790 |
| Return on assets (ROA) | 1.1770% | 1,760 |
| Pretax return on assets | 1.3833% | 1,767 |
| Return on Equity (ROE) | 19.7800% | 453 |
| Retained earnings to average equity (ytd only) | 12.3425% | 719 |
| Net charge-offs to loans | 0.0231% | 1,370 |
| Credit loss provision to net charge-offs | 37.5000% | 1,577 |
| Earnings coverage of net charge-offs (x) | 141.9167% | 768 |
| Efficiency ratio | 58.7701% | 3,293 |
| Assets per employee ($millions) | 5.9699% | 2,791 |
| Cash dividends to net income (ytd only)* | 37.5864% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8170% | 4,056 |
| Loan loss allowance to noncurrent loans | 573.4300% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 2,944 |
| Noncurrent loans to loans | 0.1425% | 2,912 |
| Net loans and leases to total assets | 43.8900% | 3,881 |
| Net loans and leases to deposits | 45.7091% | 4,039 |
| Net loans and leases to core deposits | 48.2613% | 4,020 |
| Total domestic deposits to total assets | 96.0100% | 132 |
| Equity capital to assets | 3.8834% | 4,486 |
| Core capital (leverage) ratio | 9.1674% | 3,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $327,608,000 | 2,327 |
| Average earning assets | $307,500,250 | 2,312 |
| Average equity | $19,498,500 | 3,039 |
| Average total loans | $138,746,500 | 2,741 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0096% | 3,539 |
| Cost of funding earning assets | 0.1638% | 3,388 |
| Net interest margin | 2.8458% | 3,306 |
| Noninterest income to average assets | 0.5217% | 2,078 |
| Noninterest expense to average assets | 1.9391% | 3,604 |
| Loan and lease loss provision to assets | 0.0037% | 2,543 |
| Net operating income to assets | 1.0828% | 1,846 |
| Return on assets (ROA) | 1.0838% | 1,815 |
| Pretax return on assets | 1.2555% | 1,884 |
| Return on Equity (ROE) | 16.3144% | 658 |
| Retained earnings to average equity (ytd only) | 9.9781% | 1,030 |
| Net charge-offs to loans | 0.0088% | 1,657 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 343.1667% | 362 |
| Efficiency ratio | 60.6535% | 3,222 |
| Assets per employee ($millions) | 5.8097% | 2,912 |
| Cash dividends to net income (ytd only)* | 38.8388% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 4,085 |
| Loan loss allowance to noncurrent loans | 182.6748% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 2,100 |
| Noncurrent loans to loans | 0.4651% | 1,715 |
| Net loans and leases to total assets | 43.8973% | 3,841 |
| Net loans and leases to deposits | 46.0444% | 4,026 |
| Net loans and leases to core deposits | 48.6352% | 3,999 |
| Total domestic deposits to total assets | 95.3369% | 117 |
| Equity capital to assets | 4.4938% | 4,559 |
| Core capital (leverage) ratio | 8.9778% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,362,000 | 2,339 |
| Average earning assets | $307,747,333 | 2,338 |
| Average equity | $21,747,667 | 2,924 |
| Average total loans | $136,567,000 | 2,782 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7089% | 3,940 |
| Cost of funding earning assets | 0.1626% | 3,330 |
| Net interest margin | 2.5463% | 3,794 |
| Noninterest income to average assets | 0.4769% | 2,262 |
| Noninterest expense to average assets | 1.8752% | 3,738 |
| Loan and lease loss provision to assets | 0.0036% | 2,236 |
| Net operating income to assets | 0.8673% | 2,428 |
| Return on assets (ROA) | 0.8694% | 2,409 |
| Pretax return on assets | 1.0022% | 2,432 |
| Return on Equity (ROE) | 11.3199% | 1,513 |
| Retained earnings to average equity (ytd only) | 5.4870% | 2,416 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1426% | 2,885 |
| Assets per employee ($millions) | 5.9019% | 2,894 |
| Cash dividends to net income (ytd only)* | 51.5278% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 4,098 |
| Loan loss allowance to noncurrent loans | 173.6311% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2475% | 2,155 |
| Noncurrent loans to loans | 0.5054% | 1,763 |
| Net loans and leases to total assets | 41.1861% | 3,939 |
| Net loans and leases to deposits | 44.4456% | 4,044 |
| Net loans and leases to core deposits | 46.9375% | 4,030 |
| Total domestic deposits to total assets | 92.6664% | 357 |
| Equity capital to assets | 6.6531% | 4,363 |
| Core capital (leverage) ratio | 8.6393% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,277,000 | 2,335 |
| Average earning assets | $312,454,000 | 2,324 |
| Average equity | $25,442,000 | 2,741 |
| Average total loans | $134,116,500 | 2,808 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7082% | 4,305 |
| Cost of funding earning assets | 0.2279% | 3,163 |
| Net interest margin | 2.4803% | 4,215 |
| Noninterest income to average assets | 0.4895% | 2,625 |
| Noninterest expense to average assets | 1.8604% | 4,029 |
| Loan and lease loss provision to assets | 0.0187% | 2,696 |
| Net operating income to assets | 0.8118% | 3,299 |
| Return on assets (ROA) | 0.9409% | 2,970 |
| Pretax return on assets | 1.0902% | 3,007 |
| Return on Equity (ROE) | 10.3636% | 2,393 |
| Retained earnings to average equity (ytd only) | 5.0994% | 2,745 |
| Net charge-offs to loans | 0.0062% | 2,350 |
| Credit loss provision to net charge-offs | 750.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 384.6250% | 340 |
| Efficiency ratio | 65.9925% | 2,260 |
| Assets per employee ($millions) | 5.9294% | 2,839 |
| Cash dividends to net income (ytd only)* | 50.7947% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 4,016 |
| Loan loss allowance to noncurrent loans | 280.1865% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 2,770 |
| Noncurrent loans to loans | 0.3277% | 2,412 |
| Net loans and leases to total assets | 39.0616% | 4,144 |
| Net loans and leases to deposits | 43.3431% | 4,211 |
| Net loans and leases to core deposits | 45.8866% | 4,188 |
| Total domestic deposits to total assets | 90.1219% | 902 |
| Equity capital to assets | 8.7021% | 3,882 |
| Core capital (leverage) ratio | 8.5042% | 3,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,954,600 | 2,341 |
| Average earning assets | $301,452,800 | 2,326 |
| Average equity | $29,140,400 | 2,590 |
| Average total loans | $128,625,200 | 2,870 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7670% | 4,337 |
| Cost of funding earning assets | 0.2439% | 3,176 |
| Net interest margin | 2.5231% | 4,234 |
| Noninterest income to average assets | 0.4915% | 2,660 |
| Noninterest expense to average assets | 1.8555% | 4,042 |
| Loan and lease loss provision to assets | 0.0251% | 2,494 |
| Net operating income to assets | 0.8353% | 3,432 |
| Return on assets (ROA) | 1.0074% | 2,945 |
| Pretax return on assets | 1.1800% | 2,992 |
| Return on Equity (ROE) | 10.9762% | 2,373 |
| Retained earnings to average equity (ytd only) | 6.0315% | 2,806 |
| Net charge-offs to loans | 0.0083% | 2,003 |
| Credit loss provision to net charge-offs | 750.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 299.1250% | 437 |
| Efficiency ratio | 64.9172% | 2,257 |
| Assets per employee ($millions) | 5.9072% | 2,783 |
| Cash dividends to net income (ytd only)* | 45.0499% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,851 |
| Loan loss allowance to noncurrent loans | 170.7386% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 2,528 |
| Noncurrent loans to loans | 0.5852% | 1,849 |
| Net loans and leases to total assets | 36.0046% | 4,391 |
| Net loans and leases to deposits | 40.1505% | 4,445 |
| Net loans and leases to core deposits | 42.3763% | 4,433 |
| Total domestic deposits to total assets | 89.6740% | 927 |
| Equity capital to assets | 9.0476% | 3,781 |
| Core capital (leverage) ratio | 8.5950% | 3,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $318,181,500 | 2,376 |
| Average earning assets | $298,465,250 | 2,366 |
| Average equity | $29,201,750 | 2,616 |
| Average total loans | $128,055,250 | 2,908 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7336% | 4,419 |
| Cost of funding earning assets | 0.2589% | 3,195 |
| Net interest margin | 2.4747% | 4,336 |
| Noninterest income to average assets | 0.4969% | 2,633 |
| Noninterest expense to average assets | 1.8581% | 4,058 |
| Loan and lease loss provision to assets | 0.0255% | 2,465 |
| Net operating income to assets | 0.7696% | 3,596 |
| Return on assets (ROA) | 1.0160% | 2,918 |
| Pretax return on assets | 1.2300% | 2,830 |
| Return on Equity (ROE) | 11.0156% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.8013% | 2,888 |
| Net charge-offs to loans | 0.0092% | 1,797 |
| Credit loss provision to net charge-offs | 666.6667% | 588 |
| Earnings coverage of net charge-offs (x) | 250.8333% | 431 |
| Efficiency ratio | 65.9656% | 2,157 |
| Assets per employee ($millions) | 5.7076% | 2,887 |
| Cash dividends to net income (ytd only)* | 47.3354% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,135 |
| Loan loss allowance to noncurrent loans | 171.5942% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 2,651 |
| Noncurrent loans to loans | 0.5297% | 2,080 |
| Net loans and leases to total assets | 40.3863% | 4,274 |
| Net loans and leases to deposits | 45.1236% | 4,345 |
| Net loans and leases to core deposits | 47.9389% | 4,330 |
| Total domestic deposits to total assets | 89.5015% | 1,027 |
| Equity capital to assets | 9.1078% | 3,704 |
| Core capital (leverage) ratio | 8.5366% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,973,667 | 2,391 |
| Average earning assets | $294,338,000 | 2,379 |
| Average equity | $28,959,000 | 2,625 |
| Average total loans | $130,638,000 | 2,893 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6924% | 4,490 |
| Cost of funding earning assets | 0.2747% | 3,226 |
| Net interest margin | 2.4177% | 4,396 |
| Noninterest income to average assets | 0.4551% | 2,812 |
| Noninterest expense to average assets | 1.8795% | 4,034 |
| Loan and lease loss provision to assets | 0.0257% | 2,444 |
| Net operating income to assets | 0.6849% | 3,746 |
| Return on assets (ROA) | 0.9745% | 2,982 |
| Pretax return on assets | 1.1532% | 2,974 |
| Return on Equity (ROE) | 10.4975% | 2,532 |
| Retained earnings to average equity (ytd only) | 5.2626% | 3,142 |
| Net charge-offs to loans | 0.0183% | 1,376 |
| Credit loss provision to net charge-offs | 333.3333% | 713 |
| Earnings coverage of net charge-offs (x) | 108.6667% | 586 |
| Efficiency ratio | 69.1580% | 1,798 |
| Assets per employee ($millions) | 5.6222% | 2,997 |
| Cash dividends to net income (ytd only)* | 49.8681% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,230 |
| Loan loss allowance to noncurrent loans | 1,790.7692% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 3,957 |
| Noncurrent loans to loans | 0.0489% | 4,041 |
| Net loans and leases to total assets | 41.1556% | 4,285 |
| Net loans and leases to deposits | 45.8249% | 4,362 |
| Net loans and leases to core deposits | 48.6612% | 4,350 |
| Total domestic deposits to total assets | 89.8107% | 908 |
| Equity capital to assets | 8.7635% | 3,899 |
| Core capital (leverage) ratio | 8.8475% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $311,146,500 | 2,390 |
| Average earning assets | $291,190,500 | 2,375 |
| Average equity | $28,883,000 | 2,625 |
| Average total loans | $130,822,000 | 2,891 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0431% | 4,605 |
| Cost of funding earning assets | 0.3730% | 3,752 |
| Net interest margin | 2.6701% | 4,415 |
| Noninterest income to average assets | 0.4892% | 2,675 |
| Noninterest expense to average assets | 2.0297% | 4,086 |
| Loan and lease loss provision to assets | 0.0350% | 3,968 |
| Net operating income to assets | 0.8013% | 3,087 |
| Return on assets (ROA) | 0.8418% | 3,064 |
| Pretax return on assets | 0.9670% | 3,149 |
| Return on Equity (ROE) | 8.6860% | 2,524 |
| Retained earnings to average equity (ytd only) | 2.9374% | 3,400 |
| Net charge-offs to loans | 0.0057% | 3,146 |
| Credit loss provision to net charge-offs | 1,428.5714% | 583 |
| Earnings coverage of net charge-offs (x) | 390.2857% | 283 |
| Efficiency ratio | 67.9944% | 2,236 |
| Assets per employee ($millions) | 5.2952% | 3,052 |
| Cash dividends to net income (ytd only)* | 66.1820% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 4,197 |
| Loan loss allowance to noncurrent loans | 460.0000% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 3,481 |
| Noncurrent loans to loans | 0.1944% | 3,511 |
| Net loans and leases to total assets | 42.2229% | 4,341 |
| Net loans and leases to deposits | 47.6401% | 4,404 |
| Net loans and leases to core deposits | 50.9795% | 4,389 |
| Total domestic deposits to total assets | 88.6290% | 1,154 |
| Equity capital to assets | 9.8340% | 3,278 |
| Core capital (leverage) ratio | 8.9020% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $285,949,400 | 2,366 |
| Average earning assets | $267,292,000 | 2,355 |
| Average equity | $27,711,400 | 2,618 |
| Average total loans | $122,123,600 | 2,956 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0935% | 4,669 |
| Cost of funding earning assets | 0.3908% | 3,854 |
| Net interest margin | 2.7027% | 4,460 |
| Noninterest income to average assets | 0.5121% | 2,555 |
| Noninterest expense to average assets | 2.0488% | 4,049 |
| Loan and lease loss provision to assets | 0.0213% | 4,070 |
| Net operating income to assets | 0.8411% | 2,946 |
| Return on assets (ROA) | 0.8785% | 2,912 |
| Pretax return on assets | 1.0128% | 3,024 |
| Return on Equity (ROE) | 9.1013% | 2,355 |
| Retained earnings to average equity (ytd only) | 3.5514% | 3,283 |
| Net charge-offs to loans | 0.0066% | 2,889 |
| Credit loss provision to net charge-offs | 750.0000% | 1,025 |
| Earnings coverage of net charge-offs (x) | 349.3333% | 320 |
| Efficiency ratio | 67.3977% | 2,266 |
| Assets per employee ($millions) | 5.2362% | 2,974 |
| Cash dividends to net income (ytd only)* | 60.9795% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 4,232 |
| Loan loss allowance to noncurrent loans | 794.2029% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 3,596 |
| Noncurrent loans to loans | 0.1067% | 3,942 |
| Net loans and leases to total assets | 42.9482% | 4,463 |
| Net loans and leases to deposits | 48.4540% | 4,538 |
| Net loans and leases to core deposits | 51.6956% | 4,538 |
| Total domestic deposits to total assets | 88.6371% | 924 |
| Equity capital to assets | 9.8237% | 3,404 |
| Core capital (leverage) ratio | 8.9610% | 3,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $281,979,500 | 2,367 |
| Average earning assets | $263,730,750 | 2,356 |
| Average equity | $27,218,750 | 2,647 |
| Average total loans | $120,506,750 | 2,991 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2303% | 4,696 |
| Cost of funding earning assets | 0.4190% | 3,954 |
| Net interest margin | 2.8113% | 4,431 |
| Noninterest income to average assets | 0.5223% | 2,481 |
| Noninterest expense to average assets | 2.0862% | 4,060 |
| Loan and lease loss provision to assets | 0.0217% | 3,974 |
| Net operating income to assets | 0.8988% | 2,693 |
| Return on assets (ROA) | 0.9230% | 2,736 |
| Pretax return on assets | 1.0735% | 2,795 |
| Return on Equity (ROE) | 9.6235% | 2,104 |
| Retained earnings to average equity (ytd only) | 3.9294% | 2,945 |
| Net charge-offs to loans | 0.0068% | 2,716 |
| Credit loss provision to net charge-offs | 750.0000% | 949 |
| Earnings coverage of net charge-offs (x) | 368.7500% | 277 |
| Efficiency ratio | 66.1620% | 2,496 |
| Assets per employee ($millions) | 5.2227% | 2,908 |
| Cash dividends to net income (ytd only)* | 59.1693% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 4,227 |
| Loan loss allowance to noncurrent loans | 21,660.0000% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 3,934 |
| Noncurrent loans to loans | 0.0039% | 4,506 |
| Net loans and leases to total assets | 43.0029% | 4,501 |
| Net loans and leases to deposits | 48.4599% | 4,581 |
| Net loans and leases to core deposits | 51.6139% | 4,580 |
| Total domestic deposits to total assets | 88.7392% | 848 |
| Equity capital to assets | 9.6783% | 3,504 |
| Core capital (leverage) ratio | 9.1847% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $276,485,333 | 2,369 |
| Average earning assets | $258,737,667 | 2,367 |
| Average equity | $26,518,333 | 2,682 |
| Average total loans | $117,582,333 | 3,008 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 4,663 |
| Cost of funding earning assets | 0.4651% | 4,091 |
| Net interest margin | 3.0015% | 4,278 |
| Noninterest income to average assets | 0.5822% | 2,117 |
| Noninterest expense to average assets | 2.1649% | 4,088 |
| Loan and lease loss provision to assets | 0.0226% | 3,524 |
| Net operating income to assets | 1.0144% | 2,132 |
| Return on assets (ROA) | 1.0245% | 2,196 |
| Pretax return on assets | 1.2126% | 2,146 |
| Return on Equity (ROE) | 10.7365% | 1,495 |
| Retained earnings to average equity (ytd only) | 4.7770% | 2,379 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8988% | 3,249 |
| Assets per employee ($millions) | 4.6668% | 3,041 |
| Cash dividends to net income (ytd only)* | 55.5066% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,886 |
| Loan loss allowance to noncurrent loans | 844.0945% | 630 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 3,769 |
| Noncurrent loans to loans | 0.1139% | 4,066 |
| Net loans and leases to total assets | 41.5281% | 4,607 |
| Net loans and leases to deposits | 46.1854% | 4,715 |
| Net loans and leases to core deposits | 49.7545% | 4,685 |
| Total domestic deposits to total assets | 89.9161% | 347 |
| Equity capital to assets | 9.1663% | 4,493 |
| Core capital (leverage) ratio | 9.8572% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,880,000 | 2,388 |
| Average earning assets | $248,542,000 | 2,377 |
| Average equity | $25,371,500 | 2,754 |
| Average total loans | $111,823,000 | 3,059 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4690% | 4,874 |
| Cost of funding earning assets | 0.4028% | 4,435 |
| Net interest margin | 3.0662% | 4,424 |
| Noninterest income to average assets | 0.5325% | 2,567 |
| Noninterest expense to average assets | 2.1826% | 4,193 |
| Loan and lease loss provision to assets | 0.0049% | 3,909 |
| Net operating income to assets | 1.0312% | 2,727 |
| Return on assets (ROA) | 0.9578% | 3,074 |
| Pretax return on assets | 1.1367% | 3,050 |
| Return on Equity (ROE) | 10.2167% | 2,197 |
| Retained earnings to average equity (ytd only) | 3.7634% | 3,095 |
| Net charge-offs to loans | 0.0687% | 2,108 |
| Credit loss provision to net charge-offs | 17.3333% | 3,330 |
| Earnings coverage of net charge-offs (x) | 43.1467% | 1,241 |
| Efficiency ratio | 63.9764% | 3,075 |
| Assets per employee ($millions) | 4.6623% | 3,004 |
| Cash dividends to net income (ytd only)* | 63.1642% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 3,772 |
| Loan loss allowance to noncurrent loans | 533.8384% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 3,637 |
| Noncurrent loans to loans | 0.1766% | 3,828 |
| Net loans and leases to total assets | 41.7867% | 4,680 |
| Net loans and leases to deposits | 46.9637% | 4,761 |
| Net loans and leases to core deposits | 50.6308% | 4,742 |
| Total domestic deposits to total assets | 88.9766% | 681 |
| Equity capital to assets | 9.9190% | 3,991 |
| Core capital (leverage) ratio | 9.7505% | 3,790 |
| Tier 1 risk-based capital ratio | 20.9053% | 1,180 |
| Total risk-based capital ratio | 21.7535% | 1,221 |
| Memoranda: | ||
| Average total assets | $263,307,400 | 2,378 |
| Average earning assets | $247,247,600 | 2,355 |
| Average equity | $24,685,000 | 2,738 |
| Average total loans | $109,206,400 | 3,104 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 4,979 |
| Cost of funding earning assets | 0.3876% | 4,541 |
| Net interest margin | 3.0732% | 4,519 |
| Noninterest income to average assets | 0.5415% | 2,506 |
| Noninterest expense to average assets | 2.1642% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0406% | 2,818 |
| Return on assets (ROA) | 0.9440% | 3,264 |
| Pretax return on assets | 1.1450% | 3,152 |
| Return on Equity (ROE) | 10.2197% | 2,346 |
| Retained earnings to average equity (ytd only) | 4.0000% | 3,397 |
| Net charge-offs to loans | 0.0922% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 33.1725% | 1,535 |
| Efficiency ratio | 63.1517% | 3,136 |
| Assets per employee ($millions) | 4.7061% | 2,910 |
| Cash dividends to net income (ytd only)* | 60.8603% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9541% | 3,809 |
| Loan loss allowance to noncurrent loans | 519.4030% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 3,627 |
| Noncurrent loans to loans | 0.1837% | 3,876 |
| Net loans and leases to total assets | 40.4043% | 4,801 |
| Net loans and leases to deposits | 45.3689% | 4,885 |
| Net loans and leases to core deposits | 48.6474% | 4,866 |
| Total domestic deposits to total assets | 89.0572% | 591 |
| Equity capital to assets | 9.8163% | 4,194 |
| Core capital (leverage) ratio | 9.5899% | 4,073 |
| Tier 1 risk-based capital ratio | 20.5621% | 1,267 |
| Total risk-based capital ratio | 21.3927% | 1,311 |
| Memoranda: | ||
| Average total assets | $262,696,250 | 2,394 |
| Average earning assets | $246,640,750 | 2,373 |
| Average equity | $24,266,250 | 2,781 |
| Average total loans | $108,481,500 | 3,143 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4316% | 5,061 |
| Cost of funding earning assets | 0.3721% | 4,611 |
| Net interest margin | 3.0595% | 4,599 |
| Noninterest income to average assets | 0.5682% | 2,297 |
| Noninterest expense to average assets | 2.1837% | 4,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0320% | 2,794 |
| Return on assets (ROA) | 1.0351% | 2,860 |
| Pretax return on assets | 1.2628% | 2,700 |
| Return on Equity (ROE) | 11.4515% | 1,806 |
| Retained earnings to average equity (ytd only) | 4.9963% | 2,774 |
| Net charge-offs to loans | 0.0573% | 1,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 52.9677% | 1,057 |
| Efficiency ratio | 63.4298% | 3,223 |
| Assets per employee ($millions) | 4.6275% | 2,966 |
| Cash dividends to net income (ytd only)* | 56.3704% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,642 |
| Loan loss allowance to noncurrent loans | 470.9957% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 3,468 |
| Noncurrent loans to loans | 0.2119% | 3,781 |
| Net loans and leases to total assets | 40.9101% | 4,826 |
| Net loans and leases to deposits | 45.8529% | 4,910 |
| Net loans and leases to core deposits | 48.9850% | 4,885 |
| Total domestic deposits to total assets | 89.2204% | 583 |
| Equity capital to assets | 9.6987% | 4,235 |
| Core capital (leverage) ratio | 9.7608% | 3,871 |
| Tier 1 risk-based capital ratio | 20.8644% | 1,199 |
| Total risk-based capital ratio | 21.7474% | 1,221 |
| Memoranda: | ||
| Average total assets | $260,845,330 | 2,415 |
| Average earning assets | $245,072,330 | 2,386 |
| Average equity | $23,577,670 | 2,837 |
| Average total loans | $108,166,000 | 3,168 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,109 |
| Cost of funding earning assets | 0.3710% | 4,599 |
| Net interest margin | 3.0338% | 4,703 |
| Noninterest income to average assets | 0.5660% | 2,200 |
| Noninterest expense to average assets | 2.2037% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9916% | 2,878 |
| Return on assets (ROA) | 0.9916% | 2,914 |
| Pretax return on assets | 1.2121% | 2,760 |
| Return on Equity (ROE) | 11.3929% | 1,783 |
| Retained earnings to average equity (ytd only) | 4.4650% | 3,138 |
| Net charge-offs to loans | 0.0037% | 2,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 786.0000% | 85 |
| Efficiency ratio | 64.5147% | 3,158 |
| Assets per employee ($millions) | 4.5042% | 3,190 |
| Cash dividends to net income (ytd only)* | 60.8087% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,490 |
| Loan loss allowance to noncurrent loans | 421.8868% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,441 |
| Noncurrent loans to loans | 0.2456% | 3,686 |
| Net loans and leases to total assets | 40.8749% | 4,868 |
| Net loans and leases to deposits | 45.3075% | 4,949 |
| Net loans and leases to core deposits | 47.7083% | 4,941 |
| Total domestic deposits to total assets | 90.2165% | 377 |
| Equity capital to assets | 8.9429% | 4,722 |
| Core capital (leverage) ratio | 9.7742% | 3,838 |
| Tier 1 risk-based capital ratio | 20.6909% | 1,214 |
| Total risk-based capital ratio | 21.6027% | 1,247 |
| Memoranda: | ||
| Average total assets | $259,385,000 | 2,451 |
| Average earning assets | $243,651,000 | 2,426 |
| Average equity | $22,575,500 | 2,922 |
| Average total loans | $107,751,500 | 3,200 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3203% | 5,065 |
| Cost of funding earning assets | 0.2542% | 4,786 |
| Net interest margin | 3.0661% | 4,705 |
| Noninterest income to average assets | 0.5620% | 2,479 |
| Noninterest expense to average assets | 2.2148% | 4,305 |
| Loan and lease loss provision to assets | 0.0236% | 3,698 |
| Net operating income to assets | 1.0059% | 2,982 |
| Return on assets (ROA) | 1.0059% | 2,969 |
| Pretax return on assets | 1.2015% | 2,875 |
| Return on Equity (ROE) | 12.4743% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.5959% | 2,419 |
| Net charge-offs to loans | 0.0340% | 2,721 |
| Credit loss provision to net charge-offs | 174.2857% | 1,609 |
| Earnings coverage of net charge-offs (x) | 90.3714% | 791 |
| Efficiency ratio | 64.3846% | 3,132 |
| Assets per employee ($millions) | 4.5180% | 3,147 |
| Cash dividends to net income (ytd only)* | 55.1405% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,447 |
| Loan loss allowance to noncurrent loans | 368.0921% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 3,324 |
| Noncurrent loans to loans | 0.2825% | 3,555 |
| Net loans and leases to total assets | 41.3484% | 4,899 |
| Net loans and leases to deposits | 46.6684% | 4,970 |
| Net loans and leases to core deposits | 49.5217% | 4,954 |
| Total domestic deposits to total assets | 88.6003% | 1,029 |
| Equity capital to assets | 8.4606% | 4,956 |
| Core capital (leverage) ratio | 9.7905% | 3,813 |
| Tier 1 risk-based capital ratio | 20.5011% | 1,227 |
| Total risk-based capital ratio | 21.4144% | 1,259 |
| Memoranda: | ||
| Average total assets | $258,170,800 | 2,416 |
| Average earning assets | $242,326,400 | 2,399 |
| Average equity | $20,818,800 | 3,011 |
| Average total loans | $102,998,800 | 3,244 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 5,131 |
| Cost of funding earning assets | 0.2326% | 4,875 |
| Net interest margin | 3.0556% | 4,775 |
| Noninterest income to average assets | 0.5765% | 2,439 |
| Noninterest expense to average assets | 2.2141% | 4,288 |
| Loan and lease loss provision to assets | 0.0315% | 3,386 |
| Net operating income to assets | 0.9842% | 3,160 |
| Return on assets (ROA) | 0.9842% | 3,168 |
| Pretax return on assets | 1.1989% | 2,988 |
| Return on Equity (ROE) | 12.3568% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.7734% | 2,775 |
| Net charge-offs to loans | 0.0367% | 2,344 |
| Credit loss provision to net charge-offs | 217.8571% | 1,297 |
| Earnings coverage of net charge-offs (x) | 85.1484% | 848 |
| Efficiency ratio | 64.2793% | 3,134 |
| Assets per employee ($millions) | 4.5622% | 3,024 |
| Cash dividends to net income (ytd only)* | 53.2774% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,384 |
| Loan loss allowance to noncurrent loans | 357.4603% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 3,412 |
| Noncurrent loans to loans | 0.2978% | 3,608 |
| Net loans and leases to total assets | 40.9616% | 4,998 |
| Net loans and leases to deposits | 44.6288% | 5,093 |
| Net loans and leases to core deposits | 47.2070% | 5,082 |
| Total domestic deposits to total assets | 91.7830% | 102 |
| Equity capital to assets | 7.8322% | 5,226 |
| Core capital (leverage) ratio | 9.5196% | 4,152 |
| Tier 1 risk-based capital ratio | 20.1598% | 1,305 |
| Total risk-based capital ratio | 21.0876% | 1,333 |
| Memoranda: | ||
| Average total assets | $258,332,500 | 2,424 |
| Average earning assets | $242,475,500 | 2,408 |
| Average equity | $20,576,500 | 3,057 |
| Average total loans | $101,848,250 | 3,295 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2243% | 5,205 |
| Cost of funding earning assets | 0.2236% | 4,897 |
| Net interest margin | 3.0007% | 4,877 |
| Noninterest income to average assets | 0.5739% | 2,456 |
| Noninterest expense to average assets | 2.2115% | 4,345 |
| Loan and lease loss provision to assets | 0.0278% | 3,363 |
| Net operating income to assets | 0.9472% | 3,247 |
| Return on assets (ROA) | 0.9472% | 3,255 |
| Pretax return on assets | 1.1509% | 3,129 |
| Return on Equity (ROE) | 11.8274% | 1,793 |
| Retained earnings to average equity (ytd only) | 5.2973% | 2,934 |
| Net charge-offs to loans | 0.0080% | 2,843 |
| Credit loss provision to net charge-offs | 900.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 240 |
| Efficiency ratio | 65.2332% | 3,112 |
| Assets per employee ($millions) | 4.5649% | 3,026 |
| Cash dividends to net income (ytd only)* | 55.2117% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 3,288 |
| Loan loss allowance to noncurrent loans | 124.4469% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5438% | 2,598 |
| Noncurrent loans to loans | 0.8805% | 1,968 |
| Net loans and leases to total assets | 39.7219% | 5,064 |
| Net loans and leases to deposits | 43.4035% | 5,160 |
| Net loans and leases to core deposits | 46.1385% | 5,146 |
| Total domestic deposits to total assets | 91.5179% | 149 |
| Equity capital to assets | 8.0025% | 5,223 |
| Core capital (leverage) ratio | 9.2863% | 4,373 |
| Tier 1 risk-based capital ratio | 20.2123% | 1,289 |
| Total risk-based capital ratio | 21.1548% | 1,312 |
| Memoranda: | ||
| Average total assets | $259,282,330 | 2,429 |
| Average earning assets | $243,341,330 | 2,411 |
| Average equity | $20,765,330 | 3,057 |
| Average total loans | $100,539,000 | 3,331 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 5,293 |
| Cost of funding earning assets | 0.2172% | 4,914 |
| Net interest margin | 2.9106% | 5,013 |
| Noninterest income to average assets | 0.5729% | 2,403 |
| Noninterest expense to average assets | 2.2106% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9115% | 3,244 |
| Return on assets (ROA) | 0.9115% | 3,254 |
| Pretax return on assets | 1.0923% | 3,198 |
| Return on Equity (ROE) | 11.3769% | 1,816 |
| Retained earnings to average equity (ytd only) | 4.8950% | 3,229 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9295% | 3,016 |
| Assets per employee ($millions) | 4.6804% | 2,882 |
| Cash dividends to net income (ytd only)* | 56.9748% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 3,420 |
| Loan loss allowance to noncurrent loans | 101.7691% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 2,527 |
| Noncurrent loans to loans | 1.0756% | 1,705 |
| Net loans and leases to total assets | 37.0200% | 5,175 |
| Net loans and leases to deposits | 40.2704% | 5,257 |
| Net loans and leases to core deposits | 42.6821% | 5,249 |
| Total domestic deposits to total assets | 91.9286% | 117 |
| Equity capital to assets | 7.5624% | 5,399 |
| Core capital (leverage) ratio | 9.2154% | 4,414 |
| Tier 1 risk-based capital ratio | 20.3438% | 1,286 |
| Total risk-based capital ratio | 21.2769% | 1,306 |
| Memoranda: | ||
| Average total assets | $261,107,500 | 2,434 |
| Average earning assets | $244,898,500 | 2,419 |
| Average equity | $20,919,500 | 3,057 |
| Average total loans | $99,475,000 | 3,368 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0449% | 5,329 |
| Cost of funding earning assets | 0.2426% | 4,625 |
| Net interest margin | 2.8022% | 5,165 |
| Noninterest income to average assets | 0.5580% | 2,665 |
| Noninterest expense to average assets | 2.2990% | 4,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3223% | 4,890 |
| Return on assets (ROA) | 0.3039% | 4,934 |
| Pretax return on assets | 0.8626% | 4,041 |
| Return on Equity (ROE) | 3.4190% | 4,714 |
| Retained earnings to average equity (ytd only) | -1.5671% | 5,237 |
| Net charge-offs to loans | 0.0726% | 2,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 33.1857% | 1,442 |
| Efficiency ratio | 72.0592% | 2,216 |
| Assets per employee ($millions) | 4.4813% | 3,214 |
| Cash dividends to net income (ytd only)* | 145.8333% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1030% | 3,337 |
| Loan loss allowance to noncurrent loans | 88.6456% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 2,265 |
| Noncurrent loans to loans | 1.2443% | 1,421 |
| Net loans and leases to total assets | 38.3667% | 5,205 |
| Net loans and leases to deposits | 42.2532% | 5,288 |
| Net loans and leases to core deposits | 45.2602% | 5,261 |
| Total domestic deposits to total assets | 90.8020% | 296 |
| Equity capital to assets | 8.4812% | 5,135 |
| Core capital (leverage) ratio | 9.0409% | 4,595 |
| Tier 1 risk-based capital ratio | 20.4862% | 1,229 |
| Total risk-based capital ratio | 21.4357% | 1,243 |
| Memoranda: | ||
| Average total assets | $260,592,600 | 2,409 |
| Average earning assets | $244,803,400 | 2,385 |
| Average equity | $23,164,400 | 2,843 |
| Average total loans | $96,409,400 | 3,409 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9905% | 5,416 |
| Cost of funding earning assets | 0.2443% | 4,618 |
| Net interest margin | 2.7461% | 5,284 |
| Noninterest income to average assets | 0.5616% | 2,662 |
| Noninterest expense to average assets | 2.1999% | 4,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6661% | 4,133 |
| Return on assets (ROA) | 0.6389% | 4,288 |
| Pretax return on assets | 0.9042% | 4,028 |
| Return on Equity (ROE) | 7.1084% | 3,600 |
| Retained earnings to average equity (ytd only) | 2.1240% | 4,590 |
| Net charge-offs to loans | 0.0947% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.2219% | 1,644 |
| Efficiency ratio | 70.0097% | 2,536 |
| Assets per employee ($millions) | 4.6691% | 2,876 |
| Cash dividends to net income (ytd only)* | 70.1193% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,336 |
| Loan loss allowance to noncurrent loans | 188.7931% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 3,292 |
| Noncurrent loans to loans | 0.5964% | 2,923 |
| Net loans and leases to total assets | 36.1299% | 5,339 |
| Net loans and leases to deposits | 39.7287% | 5,428 |
| Net loans and leases to core deposits | 42.5672% | 5,406 |
| Total domestic deposits to total assets | 90.9415% | 199 |
| Equity capital to assets | 8.6546% | 5,183 |
| Core capital (leverage) ratio | 9.2280% | 4,490 |
| Tier 1 risk-based capital ratio | 21.7727% | 1,071 |
| Total risk-based capital ratio | 22.7530% | 1,096 |
| Memoranda: | ||
| Average total assets | $261,882,000 | 2,414 |
| Average earning assets | $246,108,250 | 2,391 |
| Average equity | $23,539,500 | 2,827 |
| Average total loans | $95,738,000 | 3,444 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9533% | 5,470 |
| Cost of funding earning assets | 0.2509% | 4,533 |
| Net interest margin | 2.7025% | 5,356 |
| Noninterest income to average assets | 0.5621% | 2,646 |
| Noninterest expense to average assets | 2.2030% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6175% | 4,224 |
| Return on assets (ROA) | 0.5905% | 4,403 |
| Pretax return on assets | 0.8592% | 4,074 |
| Return on Equity (ROE) | 6.4872% | 3,830 |
| Retained earnings to average equity (ytd only) | 1.9234% | 4,482 |
| Net charge-offs to loans | 0.0609% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 40.3448% | 1,244 |
| Efficiency ratio | 71.0324% | 2,507 |
| Assets per employee ($millions) | 4.6277% | 2,897 |
| Cash dividends to net income (ytd only)* | 70.3511% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 3,084 |
| Loan loss allowance to noncurrent loans | 222.3529% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 3,407 |
| Noncurrent loans to loans | 0.5351% | 3,152 |
| Net loans and leases to total assets | 36.3426% | 5,368 |
| Net loans and leases to deposits | 40.0907% | 5,450 |
| Net loans and leases to core deposits | 43.0913% | 5,417 |
| Total domestic deposits to total assets | 90.6511% | 312 |
| Equity capital to assets | 8.9067% | 4,980 |
| Core capital (leverage) ratio | 9.1968% | 4,496 |
| Tier 1 risk-based capital ratio | 22.2878% | 1,017 |
| Total risk-based capital ratio | 23.3334% | 1,020 |
| Memoranda: | ||
| Average total assets | $260,463,670 | 2,436 |
| Average earning assets | $244,739,330 | 2,410 |
| Average equity | $23,708,330 | 2,810 |
| Average total loans | $95,234,000 | 3,467 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8984% | 5,541 |
| Cost of funding earning assets | 0.2644% | 4,413 |
| Net interest margin | 2.6341% | 5,447 |
| Noninterest income to average assets | 0.5607% | 2,607 |
| Noninterest expense to average assets | 2.2442% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5316% | 4,459 |
| Return on assets (ROA) | 0.5316% | 4,500 |
| Pretax return on assets | 0.7889% | 4,151 |
| Return on Equity (ROE) | 5.7782% | 4,008 |
| Retained earnings to average equity (ytd only) | 1.9483% | 4,349 |
| Net charge-offs to loans | 0.1219% | 1,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 17.7586% | 1,589 |
| Efficiency ratio | 73.9899% | 2,235 |
| Assets per employee ($millions) | 4.6501% | 2,923 |
| Cash dividends to net income (ytd only)* | 66.2824% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 3,176 |
| Loan loss allowance to noncurrent loans | 250.3311% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 3,263 |
| Noncurrent loans to loans | 0.4767% | 3,381 |
| Net loans and leases to total assets | 35.4212% | 5,427 |
| Net loans and leases to deposits | 39.2670% | 5,495 |
| Net loans and leases to core deposits | 42.1338% | 5,462 |
| Total domestic deposits to total assets | 90.2061% | 575 |
| Equity capital to assets | 9.0850% | 4,724 |
| Core capital (leverage) ratio | 9.2122% | 4,464 |
| Tier 1 risk-based capital ratio | 23.0128% | 976 |
| Total risk-based capital ratio | 24.0974% | 977 |
| Memoranda: | ||
| Average total assets | $261,119,000 | 2,459 |
| Average earning assets | $245,097,000 | 2,435 |
| Average equity | $24,021,500 | 2,789 |
| Average total loans | $95,192,500 | 3,494 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0199% | 5,488 |
| Cost of funding earning assets | 0.2937% | 4,138 |
| Net interest margin | 2.7262% | 5,390 |
| Noninterest income to average assets | 0.6055% | 2,631 |
| Noninterest expense to average assets | 2.3737% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5183% | 4,556 |
| Return on assets (ROA) | 0.5183% | 4,641 |
| Pretax return on assets | 0.7948% | 4,193 |
| Return on Equity (ROE) | 5.6264% | 4,152 |
| Retained earnings to average equity (ytd only) | 0.0540% | 5,289 |
| Net charge-offs to loans | 0.1425% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 15.1679% | 2,227 |
| Efficiency ratio | 74.9155% | 2,147 |
| Assets per employee ($millions) | 4.4342% | 3,215 |
| Cash dividends to net income (ytd only)* | 99.0406% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 3,002 |
| Loan loss allowance to noncurrent loans | 101.0426% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7360% | 2,522 |
| Noncurrent loans to loans | 1.2069% | 1,707 |
| Net loans and leases to total assets | 36.6285% | 5,464 |
| Net loans and leases to deposits | 40.6873% | 5,528 |
| Net loans and leases to core deposits | 43.8860% | 5,489 |
| Total domestic deposits to total assets | 90.0243% | 621 |
| Equity capital to assets | 9.3174% | 4,454 |
| Core capital (leverage) ratio | 9.1507% | 4,550 |
| Tier 1 risk-based capital ratio | 22.8340% | 979 |
| Total risk-based capital ratio | 23.9429% | 981 |
| Memoranda: | ||
| Average total assets | $261,450,400 | 2,427 |
| Average earning assets | $245,802,000 | 2,389 |
| Average equity | $24,082,800 | 2,793 |
| Average total loans | $96,113,400 | 3,460 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0495% | 5,531 |
| Cost of funding earning assets | 0.2948% | 4,160 |
| Net interest margin | 2.7547% | 5,428 |
| Noninterest income to average assets | 0.6100% | 2,610 |
| Noninterest expense to average assets | 2.3592% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5592% | 4,462 |
| Return on assets (ROA) | 0.5592% | 4,567 |
| Pretax return on assets | 0.8421% | 4,181 |
| Return on Equity (ROE) | 6.0879% | 4,033 |
| Retained earnings to average equity (ytd only) | 1.8302% | 4,770 |
| Net charge-offs to loans | 0.1814% | 1,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.6566% | 2,372 |
| Efficiency ratio | 73.6951% | 2,346 |
| Assets per employee ($millions) | 4.4616% | 3,148 |
| Cash dividends to net income (ytd only)* | 69.9365% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 3,143 |
| Loan loss allowance to noncurrent loans | 59.4004% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 1,915 |
| Noncurrent loans to loans | 2.0460% | 951 |
| Net loans and leases to total assets | 36.0972% | 5,548 |
| Net loans and leases to deposits | 40.0362% | 5,632 |
| Net loans and leases to core deposits | 43.0949% | 5,608 |
| Total domestic deposits to total assets | 90.1612% | 422 |
| Equity capital to assets | 9.2241% | 4,950 |
| Core capital (leverage) ratio | 9.2668% | 4,506 |
| Tier 1 risk-based capital ratio | 23.2775% | 972 |
| Total risk-based capital ratio | 24.3987% | 975 |
| Memoranda: | ||
| Average total assets | $262,516,750 | 2,418 |
| Average earning assets | $246,937,750 | 2,394 |
| Average equity | $24,112,750 | 2,812 |
| Average total loans | $96,300,250 | 3,468 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0583% | 5,588 |
| Cost of funding earning assets | 0.2965% | 4,173 |
| Net interest margin | 2.7618% | 5,495 |
| Noninterest income to average assets | 0.6108% | 2,569 |
| Noninterest expense to average assets | 2.3570% | 4,459 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5666% | 4,413 |
| Return on assets (ROA) | 0.5666% | 4,539 |
| Pretax return on assets | 0.8533% | 4,108 |
| Return on Equity (ROE) | 6.1771% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.1034% | 4,516 |
| Net charge-offs to loans | 0.1017% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 22.8367% | 1,611 |
| Efficiency ratio | 73.4204% | 2,446 |
| Assets per employee ($millions) | 4.3862% | 3,243 |
| Cash dividends to net income (ytd only)* | 65.9489% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 2,914 |
| Loan loss allowance to noncurrent loans | 68.3980% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8799% | 2,394 |
| Noncurrent loans to loans | 1.8664% | 1,088 |
| Net loans and leases to total assets | 37.3837% | 5,542 |
| Net loans and leases to deposits | 41.5400% | 5,636 |
| Net loans and leases to core deposits | 44.9311% | 5,595 |
| Total domestic deposits to total assets | 89.9944% | 489 |
| Equity capital to assets | 9.3526% | 4,920 |
| Core capital (leverage) ratio | 9.1491% | 4,665 |
| Tier 1 risk-based capital ratio | 23.1048% | 1,003 |
| Total risk-based capital ratio | 24.2995% | 988 |
| Memoranda: | ||
| Average total assets | $262,277,670 | 2,440 |
| Average earning assets | $246,872,330 | 2,409 |
| Average equity | $24,056,670 | 2,829 |
| Average total loans | $96,337,330 | 3,474 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0087% | 5,685 |
| Cost of funding earning assets | 0.2960% | 4,205 |
| Net interest margin | 2.7126% | 5,602 |
| Noninterest income to average assets | 0.6181% | 2,426 |
| Noninterest expense to average assets | 2.3695% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5348% | 4,486 |
| Return on assets (ROA) | 0.5348% | 4,595 |
| Pretax return on assets | 0.8030% | 4,183 |
| Return on Equity (ROE) | 5.8874% | 4,038 |
| Retained earnings to average equity (ytd only) | 1.8012% | 4,542 |
| Net charge-offs to loans | 0.1927% | 1,019 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 11.5217% | 1,854 |
| Efficiency ratio | 74.6896% | 2,374 |
| Assets per employee ($millions) | 4.5309% | 3,014 |
| Cash dividends to net income (ytd only)* | 69.4051% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3174% | 2,816 |
| Loan loss allowance to noncurrent loans | 77.0270% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 2,731 |
| Noncurrent loans to loans | 1.7103% | 1,316 |
| Net loans and leases to total assets | 35.1389% | 5,670 |
| Net loans and leases to deposits | 38.8983% | 5,747 |
| Net loans and leases to core deposits | 41.9937% | 5,712 |
| Total domestic deposits to total assets | 90.3353% | 487 |
| Equity capital to assets | 9.0019% | 5,168 |
| Core capital (leverage) ratio | 9.1493% | 4,656 |
| Tier 1 risk-based capital ratio | 23.7497% | 937 |
| Total risk-based capital ratio | 24.9881% | 933 |
| Memoranda: | ||
| Average total assets | $264,024,500 | 2,435 |
| Average earning assets | $248,616,000 | 2,398 |
| Average equity | $23,983,500 | 2,837 |
| Average total loans | $95,509,000 | 3,506 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0710% | 5,670 |
| Cost of funding earning assets | 0.3142% | 4,087 |
| Net interest margin | 2.7568% | 5,586 |
| Noninterest income to average assets | 0.5994% | 2,719 |
| Noninterest expense to average assets | 2.3998% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5245% | 4,603 |
| Return on assets (ROA) | 0.5268% | 4,674 |
| Pretax return on assets | 0.7941% | 4,211 |
| Return on Equity (ROE) | 5.8879% | 4,080 |
| Retained earnings to average equity (ytd only) | 1.6907% | 4,765 |
| Net charge-offs to loans | 0.0337% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 65.3438% | 816 |
| Efficiency ratio | 75.2163% | 2,393 |
| Assets per employee ($millions) | 4.4191% | 3,175 |
| Cash dividends to net income (ytd only)* | 71.2850% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,637 |
| Loan loss allowance to noncurrent loans | 65.0000% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 0.8703% | 2,494 |
| Noncurrent loans to loans | 2.0870% | 983 |
| Net loans and leases to total assets | 36.2563% | 5,701 |
| Net loans and leases to deposits | 40.1628% | 5,767 |
| Net loans and leases to core deposits | 43.8618% | 5,720 |
| Total domestic deposits to total assets | 90.2734% | 511 |
| Equity capital to assets | 9.1678% | 4,952 |
| Core capital (leverage) ratio | 9.0601% | 4,808 |
| Tier 1 risk-based capital ratio | 24.0608% | 921 |
| Total risk-based capital ratio | 25.3111% | 905 |
| Memoranda: | ||
| Average total assets | $264,435,400 | 2,386 |
| Average earning assets | $248,553,200 | 2,347 |
| Average equity | $23,658,600 | 2,817 |
| Average total loans | $95,056,200 | 3,473 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0867% | 5,724 |
| Cost of funding earning assets | 0.3144% | 4,172 |
| Net interest margin | 2.7722% | 5,626 |
| Noninterest income to average assets | 0.6024% | 2,728 |
| Noninterest expense to average assets | 2.3751% | 4,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5537% | 4,578 |
| Return on assets (ROA) | 0.5567% | 4,660 |
| Pretax return on assets | 0.8366% | 4,216 |
| Return on Equity (ROE) | 6.2604% | 4,024 |
| Retained earnings to average equity (ytd only) | 1.9606% | 4,897 |
| Net charge-offs to loans | 0.0141% | 3,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 165.6369% | 427 |
| Efficiency ratio | 74.0561% | 2,544 |
| Assets per employee ($millions) | 4.4857% | 3,034 |
| Cash dividends to net income (ytd only)* | 68.6821% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 2,756 |
| Loan loss allowance to noncurrent loans | 66.2989% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.8090% | 2,864 |
| Noncurrent loans to loans | 2.0611% | 1,112 |
| Net loans and leases to total assets | 36.0550% | 5,780 |
| Net loans and leases to deposits | 39.8678% | 5,870 |
| Net loans and leases to core deposits | 43.4667% | 5,808 |
| Total domestic deposits to total assets | 90.4363% | 408 |
| Equity capital to assets | 8.9905% | 5,310 |
| Core capital (leverage) ratio | 8.9206% | 5,089 |
| Tier 1 risk-based capital ratio | 23.7556% | 971 |
| Total risk-based capital ratio | 25.0067% | 959 |
| Memoranda: | ||
| Average total assets | $265,362,500 | 2,402 |
| Average earning assets | $249,323,500 | 2,364 |
| Average equity | $23,597,500 | 2,846 |
| Average total loans | $94,862,750 | 3,513 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0752% | 5,767 |
| Cost of funding earning assets | 0.3157% | 4,211 |
| Net interest margin | 2.7595% | 5,693 |
| Noninterest income to average assets | 0.6002% | 2,739 |
| Noninterest expense to average assets | 2.3826% | 4,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5399% | 4,606 |
| Return on assets (ROA) | 0.5444% | 4,689 |
| Pretax return on assets | 0.8178% | 4,264 |
| Return on Equity (ROE) | 6.1448% | 4,064 |
| Retained earnings to average equity (ytd only) | 2.2777% | 4,578 |
| Net charge-offs to loans | 0.0170% | 3,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 134.6250% | 471 |
| Efficiency ratio | 74.6050% | 2,595 |
| Assets per employee ($millions) | 4.4758% | 3,020 |
| Cash dividends to net income (ytd only)* | 62.9322% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 2,863 |
| Loan loss allowance to noncurrent loans | 82.6467% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6623% | 3,414 |
| Noncurrent loans to loans | 1.6655% | 1,566 |
| Net loans and leases to total assets | 35.9229% | 5,823 |
| Net loans and leases to deposits | 39.6627% | 5,912 |
| Net loans and leases to core deposits | 43.2400% | 5,855 |
| Total domestic deposits to total assets | 90.5711% | 425 |
| Equity capital to assets | 8.9048% | 5,336 |
| Core capital (leverage) ratio | 8.8544% | 5,154 |
| Tier 1 risk-based capital ratio | 22.0528% | 1,203 |
| Total risk-based capital ratio | 23.2792% | 1,185 |
| Memoranda: | ||
| Average total assets | $265,597,670 | 2,409 |
| Average earning assets | $249,612,670 | 2,372 |
| Average equity | $23,532,000 | 2,861 |
| Average total loans | $94,235,670 | 3,547 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0460% | 5,847 |
| Cost of funding earning assets | 0.3210% | 4,209 |
| Net interest margin | 2.7249% | 5,768 |
| Noninterest income to average assets | 0.5962% | 2,665 |
| Noninterest expense to average assets | 2.2796% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5842% | 4,345 |
| Return on assets (ROA) | 0.5842% | 4,448 |
| Pretax return on assets | 0.8785% | 3,970 |
| Return on Equity (ROE) | 6.6099% | 3,704 |
| Retained earnings to average equity (ytd only) | 2.7357% | 4,313 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1826% | 3,139 |
| Assets per employee ($millions) | 4.5935% | 2,909 |
| Cash dividends to net income (ytd only)* | 58.6118% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4179% | 2,837 |
| Loan loss allowance to noncurrent loans | 108.6460% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 4,000 |
| Noncurrent loans to loans | 1.3050% | 2,202 |
| Net loans and leases to total assets | 34.1723% | 5,919 |
| Net loans and leases to deposits | 37.6874% | 5,999 |
| Net loans and leases to core deposits | 40.8652% | 5,945 |
| Total domestic deposits to total assets | 90.6728% | 473 |
| Equity capital to assets | 8.7416% | 5,549 |
| Core capital (leverage) ratio | 8.8415% | 5,149 |
| Tier 1 risk-based capital ratio | 23.1427% | 1,092 |
| Total risk-based capital ratio | 24.3923% | 1,067 |
| Memoranda: | ||
| Average total assets | $266,361,000 | 2,415 |
| Average earning assets | $250,428,500 | 2,382 |
| Average equity | $23,540,500 | 2,881 |
| Average total loans | $93,260,500 | 3,586 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9837% | 6,073 |
| Cost of funding earning assets | 0.3579% | 4,164 |
| Net interest margin | 2.6258% | 6,039 |
| Noninterest income to average assets | 0.6213% | 2,730 |
| Noninterest expense to average assets | 2.4051% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4569% | 4,982 |
| Return on assets (ROA) | 0.4872% | 4,947 |
| Pretax return on assets | 0.7214% | 4,551 |
| Return on Equity (ROE) | 5.6661% | 4,325 |
| Retained earnings to average equity (ytd only) | 2.7996% | 4,248 |
| Net charge-offs to loans | -0.0881% | 6,083 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0376% | 2,204 |
| Assets per employee ($millions) | 4.2903% | 3,378 |
| Cash dividends to net income (ytd only)* | 50.5901% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,752 |
| Loan loss allowance to noncurrent loans | 102.4615% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.5529% | 3,953 |
| Noncurrent loans to loans | 1.4042% | 2,085 |
| Net loans and leases to total assets | 34.8653% | 5,999 |
| Net loans and leases to deposits | 38.4841% | 6,084 |
| Net loans and leases to core deposits | 41.8524% | 6,051 |
| Total domestic deposits to total assets | 90.5967% | 499 |
| Equity capital to assets | 8.9375% | 5,352 |
| Core capital (leverage) ratio | 8.8867% | 5,140 |
| Tier 1 risk-based capital ratio | 24.0167% | 954 |
| Total risk-based capital ratio | 25.2682% | 932 |
| Memoranda: | ||
| Average total assets | $260,899,200 | 2,420 |
| Average earning assets | $244,493,800 | 2,391 |
| Average equity | $22,431,800 | 2,906 |
| Average total loans | $94,211,400 | 3,543 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9210% | 6,188 |
| Cost of funding earning assets | 0.3626% | 4,209 |
| Net interest margin | 2.5584% | 6,173 |
| Noninterest income to average assets | 0.6316% | 2,679 |
| Noninterest expense to average assets | 2.3700% | 4,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4227% | 5,165 |
| Return on assets (ROA) | 0.4603% | 5,107 |
| Pretax return on assets | 0.7165% | 4,650 |
| Return on Equity (ROE) | 5.4072% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.5234% | 4,785 |
| Net charge-offs to loans | -0.1353% | 6,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2770% | 2,141 |
| Assets per employee ($millions) | 4.2568% | 3,371 |
| Cash dividends to net income (ytd only)* | 53.3330% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,048 |
| Loan loss allowance to noncurrent loans | 138.6598% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 4,481 |
| Noncurrent loans to loans | 1.0285% | 3,016 |
| Net loans and leases to total assets | 35.8029% | 6,035 |
| Net loans and leases to deposits | 39.4796% | 6,130 |
| Net loans and leases to core deposits | 43.1103% | 6,076 |
| Total domestic deposits to total assets | 90.6872% | 454 |
| Equity capital to assets | 8.8538% | 5,507 |
| Core capital (leverage) ratio | 8.9093% | 5,181 |
| Tier 1 risk-based capital ratio | 22.4388% | 1,198 |
| Total risk-based capital ratio | 23.6898% | 1,180 |
| Memoranda: | ||
| Average total assets | $260,697,250 | 2,444 |
| Average earning assets | $244,158,250 | 2,408 |
| Average equity | $22,192,250 | 2,937 |
| Average total loans | $94,620,000 | 3,571 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9186% | 6,244 |
| Cost of funding earning assets | 0.3682% | 4,230 |
| Net interest margin | 2.5504% | 6,221 |
| Noninterest income to average assets | 0.6351% | 2,635 |
| Noninterest expense to average assets | 2.3736% | 4,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4171% | 5,150 |
| Return on assets (ROA) | 0.4666% | 5,020 |
| Pretax return on assets | 0.7271% | 4,544 |
| Return on Equity (ROE) | 5.5550% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.6543% | 4,514 |
| Net charge-offs to loans | 0.0042% | 4,237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 424.0000% | 165 |
| Efficiency ratio | 78.5099% | 2,224 |
| Assets per employee ($millions) | 4.3010% | 3,278 |
| Cash dividends to net income (ytd only)* | 52.2167% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3470% | 3,602 |
| Loan loss allowance to noncurrent loans | 69.3934% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.8157% | 3,521 |
| Noncurrent loans to loans | 1.9412% | 1,751 |
| Net loans and leases to total assets | 34.8097% | 6,117 |
| Net loans and leases to deposits | 38.3179% | 6,214 |
| Net loans and leases to core deposits | 41.8525% | 6,155 |
| Total domestic deposits to total assets | 90.8446% | 458 |
| Equity capital to assets | 8.6752% | 5,637 |
| Core capital (leverage) ratio | 8.7747% | 5,297 |
| Tier 1 risk-based capital ratio | 22.5993% | 1,171 |
| Total risk-based capital ratio | 23.8145% | 1,161 |
| Memoranda: | ||
| Average total assets | $261,042,000 | 2,446 |
| Average earning assets | $244,436,000 | 2,398 |
| Average equity | $21,926,330 | 2,955 |
| Average total loans | $94,722,670 | 3,571 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9525% | 6,281 |
| Cost of funding earning assets | 0.3762% | 4,241 |
| Net interest margin | 2.5762% | 6,266 |
| Noninterest income to average assets | 0.6391% | 2,526 |
| Noninterest expense to average assets | 2.3166% | 5,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4699% | 4,837 |
| Return on assets (ROA) | 0.5269% | 4,634 |
| Pretax return on assets | 0.8203% | 4,028 |
| Return on Equity (ROE) | 6.3786% | 3,815 |
| Retained earnings to average equity (ytd only) | 3.4217% | 4,081 |
| Net charge-offs to loans | 0.0084% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 238.0000% | 209 |
| Efficiency ratio | 76.0081% | 2,806 |
| Assets per employee ($millions) | 4.3356% | 3,273 |
| Cash dividends to net income (ytd only)* | 46.3557% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,983 |
| Loan loss allowance to noncurrent loans | 98.1117% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 4,367 |
| Noncurrent loans to loans | 1.3503% | 2,786 |
| Net loans and leases to total assets | 34.5532% | 6,151 |
| Net loans and leases to deposits | 37.7293% | 6,263 |
| Net loans and leases to core deposits | 41.1381% | 6,196 |
| Total domestic deposits to total assets | 91.5818% | 357 |
| Equity capital to assets | 8.1649% | 5,934 |
| Core capital (leverage) ratio | 8.8387% | 5,212 |
| Tier 1 risk-based capital ratio | 17.9724% | 2,307 |
| Total risk-based capital ratio | 18.9433% | 2,379 |
| Memoranda: | ||
| Average total assets | $260,384,000 | 2,453 |
| Average earning assets | $243,456,000 | 2,411 |
| Average equity | $21,509,500 | 2,994 |
| Average total loans | $95,797,500 | 3,564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1842% | 6,152 |
| Cost of funding earning assets | 0.4290% | 4,327 |
| Net interest margin | 2.7552% | 6,056 |
| Noninterest income to average assets | 0.6201% | 2,977 |
| Noninterest expense to average assets | 2.5087% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4465% | 4,969 |
| Return on assets (ROA) | 0.4694% | 5,005 |
| Pretax return on assets | 0.7262% | 4,433 |
| Return on Equity (ROE) | 5.5135% | 4,385 |
| Retained earnings to average equity (ytd only) | -0.2138% | 5,921 |
| Net charge-offs to loans | 0.0311% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 57.5484% | 711 |
| Efficiency ratio | 78.4046% | 2,399 |
| Assets per employee ($millions) | 3.9993% | 3,867 |
| Cash dividends to net income (ytd only)* | 103.8779% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 4,230 |
| Loan loss allowance to noncurrent loans | 67.9913% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 3,768 |
| Noncurrent loans to loans | 1.8848% | 2,132 |
| Net loans and leases to total assets | 38.1876% | 6,077 |
| Net loans and leases to deposits | 41.6961% | 6,246 |
| Net loans and leases to core deposits | 45.7047% | 6,151 |
| Total domestic deposits to total assets | 91.5855% | 379 |
| Equity capital to assets | 8.3629% | 5,724 |
| Core capital (leverage) ratio | 8.7971% | 5,282 |
| Tier 1 risk-based capital ratio | 14.2377% | 4,124 |
| Total risk-based capital ratio | 15.0144% | 4,413 |
| Memoranda: | ||
| Average total assets | $258,177,000 | 2,451 |
| Average earning assets | $241,722,800 | 2,410 |
| Average equity | $21,982,400 | 2,928 |
| Average total loans | $99,769,400 | 3,449 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1719% | 6,238 |
| Cost of funding earning assets | 0.4341% | 4,461 |
| Net interest margin | 2.7378% | 6,106 |
| Noninterest income to average assets | 0.6186% | 3,044 |
| Noninterest expense to average assets | 2.4419% | 4,900 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5278% | 4,676 |
| Return on assets (ROA) | 0.5380% | 4,776 |
| Pretax return on assets | 0.7551% | 4,472 |
| Return on Equity (ROE) | 6.2912% | 4,028 |
| Retained earnings to average equity (ytd only) | 0.6423% | 5,713 |
| Net charge-offs to loans | 0.0040% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 480.9875% | 121 |
| Efficiency ratio | 76.7258% | 2,610 |
| Assets per employee ($millions) | 4.1926% | 3,442 |
| Cash dividends to net income (ytd only)* | 89.7903% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 4,440 |
| Loan loss allowance to noncurrent loans | 73.0967% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 4,267 |
| Noncurrent loans to loans | 1.7656% | 2,550 |
| Net loans and leases to total assets | 36.9760% | 6,225 |
| Net loans and leases to deposits | 40.2962% | 6,375 |
| Net loans and leases to core deposits | 43.7588% | 6,316 |
| Total domestic deposits to total assets | 91.7607% | 295 |
| Equity capital to assets | 8.1825% | 6,021 |
| Core capital (leverage) ratio | 8.8194% | 5,388 |
| Tier 1 risk-based capital ratio | 14.0297% | 4,403 |
| Total risk-based capital ratio | 14.8069% | 4,679 |
| Memoranda: | ||
| Average total assets | $259,731,500 | 2,457 |
| Average earning assets | $243,254,000 | 2,407 |
| Average equity | $22,210,250 | 2,937 |
| Average total loans | $100,345,250 | 3,465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 6,236 |
| Cost of funding earning assets | 0.4426% | 4,511 |
| Net interest margin | 2.7534% | 6,091 |
| Noninterest income to average assets | 0.5994% | 3,195 |
| Noninterest expense to average assets | 2.5044% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5150% | 4,734 |
| Return on assets (ROA) | 0.5204% | 4,883 |
| Pretax return on assets | 0.6792% | 4,748 |
| Return on Equity (ROE) | 5.9975% | 4,176 |
| Retained earnings to average equity (ytd only) | 0.4462% | 5,715 |
| Net charge-offs to loans | -0.0040% | 5,597 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8396% | 2,331 |
| Assets per employee ($millions) | 3.9716% | 3,867 |
| Cash dividends to net income (ytd only)* | 92.5595% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 4,612 |
| Loan loss allowance to noncurrent loans | 98.5396% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5574% | 4,859 |
| Noncurrent loans to loans | 1.2969% | 3,385 |
| Net loans and leases to total assets | 38.3621% | 6,156 |
| Net loans and leases to deposits | 41.8399% | 6,335 |
| Net loans and leases to core deposits | 45.2001% | 6,273 |
| Total domestic deposits to total assets | 91.6879% | 313 |
| Equity capital to assets | 8.2068% | 6,051 |
| Core capital (leverage) ratio | 8.7259% | 5,378 |
| Tier 1 risk-based capital ratio | 13.9285% | 4,468 |
| Total risk-based capital ratio | 14.7050% | 4,758 |
| Memoranda: | ||
| Average total assets | $258,263,330 | 2,473 |
| Average earning assets | $241,739,330 | 2,432 |
| Average equity | $22,409,330 | 2,937 |
| Average total loans | $100,812,330 | 3,462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1882% | 6,306 |
| Cost of funding earning assets | 0.4439% | 4,663 |
| Net interest margin | 2.7443% | 6,136 |
| Noninterest income to average assets | 0.6209% | 3,023 |
| Noninterest expense to average assets | 2.5116% | 4,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5205% | 4,566 |
| Return on assets (ROA) | 0.5265% | 4,692 |
| Pretax return on assets | 0.6829% | 4,649 |
| Return on Equity (ROE) | 5.9076% | 4,099 |
| Retained earnings to average equity (ytd only) | 0.5039% | 5,624 |
| Net charge-offs to loans | -0.0158% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8144% | 2,487 |
| Assets per employee ($millions) | 4.0792% | 3,780 |
| Cash dividends to net income (ytd only)* | 91.4706% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,804 |
| Loan loss allowance to noncurrent loans | 68.0806% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 4,466 |
| Noncurrent loans to loans | 1.8785% | 2,760 |
| Net loans and leases to total assets | 37.3806% | 6,192 |
| Net loans and leases to deposits | 41.1257% | 6,373 |
| Net loans and leases to core deposits | 44.2195% | 6,305 |
| Total domestic deposits to total assets | 90.8935% | 571 |
| Equity capital to assets | 8.6717% | 5,841 |
| Core capital (leverage) ratio | 8.8583% | 5,108 |
| Tier 1 risk-based capital ratio | 15.3071% | 3,649 |
| Total risk-based capital ratio | 16.1626% | 3,866 |
| Memoranda: | ||
| Average total assets | $258,318,500 | 2,510 |
| Average earning assets | $241,514,500 | 2,460 |
| Average equity | $23,021,000 | 2,916 |
| Average total loans | $101,061,000 | 3,478 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4894% | 6,369 |
| Cost of funding earning assets | 0.5410% | 4,895 |
| Net interest margin | 2.9484% | 6,138 |
| Noninterest income to average assets | 0.5541% | 3,549 |
| Noninterest expense to average assets | 2.4498% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5666% | 4,395 |
| Return on assets (ROA) | 0.6370% | 4,318 |
| Pretax return on assets | 0.9504% | 3,744 |
| Return on Equity (ROE) | 7.1118% | 3,580 |
| Retained earnings to average equity (ytd only) | 1.7409% | 4,988 |
| Net charge-offs to loans | 0.0362% | 5,417 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 56.9211% | 622 |
| Efficiency ratio | 74.3477% | 3,014 |
| Assets per employee ($millions) | 3.7535% | 4,459 |
| Cash dividends to net income (ytd only)* | 75.5215% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,826 |
| Loan loss allowance to noncurrent loans | 72.6447% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 0.7627% | 4,560 |
| Noncurrent loans to loans | 1.7322% | 3,015 |
| Net loans and leases to total assets | 39.9398% | 6,170 |
| Net loans and leases to deposits | 44.1995% | 6,356 |
| Net loans and leases to core deposits | 47.3969% | 6,306 |
| Total domestic deposits to total assets | 90.3625% | 769 |
| Equity capital to assets | 9.1651% | 5,317 |
| Core capital (leverage) ratio | 8.8702% | 5,072 |
| Tier 1 risk-based capital ratio | 17.3328% | 2,513 |
| Total risk-based capital ratio | 18.2997% | 2,595 |
| Memoranda: | ||
| Average total assets | $255,893,600 | 2,482 |
| Average earning assets | $237,893,800 | 2,435 |
| Average equity | $22,919,600 | 2,858 |
| Average total loans | $104,930,600 | 3,399 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5009% | 6,511 |
| Cost of funding earning assets | 0.5557% | 5,041 |
| Net interest margin | 2.9453% | 6,283 |
| Noninterest income to average assets | 0.5510% | 3,604 |
| Noninterest expense to average assets | 2.3657% | 5,501 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6235% | 4,275 |
| Return on assets (ROA) | 0.7004% | 4,161 |
| Pretax return on assets | 1.0345% | 3,589 |
| Return on Equity (ROE) | 7.8645% | 3,343 |
| Retained earnings to average equity (ytd only) | 2.5050% | 5,071 |
| Net charge-offs to loans | 0.0303% | 5,226 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 73.9981% | 558 |
| Efficiency ratio | 71.9697% | 3,336 |
| Assets per employee ($millions) | 4.0188% | 3,830 |
| Cash dividends to net income (ytd only)* | 68.1482% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 5,051 |
| Loan loss allowance to noncurrent loans | 64.2822% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 4,647 |
| Noncurrent loans to loans | 1.9435% | 2,907 |
| Net loans and leases to total assets | 39.1551% | 6,339 |
| Net loans and leases to deposits | 43.1461% | 6,542 |
| Net loans and leases to core deposits | 46.0709% | 6,514 |
| Total domestic deposits to total assets | 90.7501% | 500 |
| Equity capital to assets | 8.8372% | 5,988 |
| Core capital (leverage) ratio | 8.8592% | 5,254 |
| Tier 1 risk-based capital ratio | 16.8400% | 2,816 |
| Total risk-based capital ratio | 17.7884% | 2,951 |
| Memoranda: | ||
| Average total assets | $256,995,500 | 2,490 |
| Average earning assets | $238,749,250 | 2,451 |
| Average equity | $22,887,250 | 2,888 |
| Average total loans | $105,732,500 | 3,416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5498% | 6,547 |
| Cost of funding earning assets | 0.5794% | 5,078 |
| Net interest margin | 2.9704% | 6,293 |
| Noninterest income to average assets | 0.5892% | 3,324 |
| Noninterest expense to average assets | 2.3773% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6561% | 4,081 |
| Return on assets (ROA) | 0.7301% | 3,976 |
| Pretax return on assets | 1.0807% | 3,376 |
| Return on Equity (ROE) | 8.1766% | 3,178 |
| Retained earnings to average equity (ytd only) | 2.8394% | 4,736 |
| Net charge-offs to loans | 0.0451% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 51.7500% | 708 |
| Efficiency ratio | 70.9813% | 3,603 |
| Assets per employee ($millions) | 3.8555% | 4,182 |
| Cash dividends to net income (ytd only)* | 65.2733% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,200 |
| Loan loss allowance to noncurrent loans | 81.4349% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,001 |
| Noncurrent loans to loans | 1.5130% | 3,636 |
| Net loans and leases to total assets | 40.1559% | 6,327 |
| Net loans and leases to deposits | 44.3052% | 6,541 |
| Net loans and leases to core deposits | 47.3420% | 6,495 |
| Total domestic deposits to total assets | 90.6348% | 597 |
| Equity capital to assets | 8.9359% | 5,767 |
| Core capital (leverage) ratio | 8.8197% | 5,183 |
| Tier 1 risk-based capital ratio | 20.7871% | 1,525 |
| Total risk-based capital ratio | 21.9633% | 1,509 |
| Memoranda: | ||
| Average total assets | $255,585,670 | 2,493 |
| Average earning assets | $237,479,000 | 2,456 |
| Average equity | $22,821,330 | 2,876 |
| Average total loans | $106,451,000 | 3,417 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6185% | 6,556 |
| Cost of funding earning assets | 0.6036% | 5,093 |
| Net interest margin | 3.0148% | 6,260 |
| Noninterest income to average assets | 0.6058% | 3,192 |
| Noninterest expense to average assets | 2.4074% | 5,447 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6748% | 4,008 |
| Return on assets (ROA) | 0.8213% | 3,526 |
| Pretax return on assets | 1.2226% | 2,826 |
| Return on Equity (ROE) | 9.2021% | 2,730 |
| Retained earnings to average equity (ytd only) | 3.8430% | 4,283 |
| Net charge-offs to loans | 0.1045% | 3,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 22.7857% | 1,114 |
| Efficiency ratio | 70.5720% | 3,707 |
| Assets per employee ($millions) | 3.9690% | 4,082 |
| Cash dividends to net income (ytd only)* | 58.2375% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 5,430 |
| Loan loss allowance to noncurrent loans | 157.3171% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 5,793 |
| Noncurrent loans to loans | 0.7710% | 5,120 |
| Net loans and leases to total assets | 40.1083% | 6,344 |
| Net loans and leases to deposits | 44.0583% | 6,555 |
| Net loans and leases to core deposits | 46.9856% | 6,508 |
| Total domestic deposits to total assets | 91.0346% | 542 |
| Equity capital to assets | 8.6562% | 5,927 |
| Core capital (leverage) ratio | 9.0138% | 4,820 |
| Tier 1 risk-based capital ratio | 20.0746% | 1,694 |
| Total risk-based capital ratio | 21.2122% | 1,692 |
| Memoranda: | ||
| Average total assets | $254,219,500 | 2,528 |
| Average earning assets | $236,565,000 | 2,480 |
| Average equity | $22,690,500 | 2,883 |
| Average total loans | $107,164,500 | 3,428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9277% | 6,577 |
| Cost of funding earning assets | 0.7159% | 5,428 |
| Net interest margin | 3.2118% | 6,056 |
| Noninterest income to average assets | 0.5843% | 3,256 |
| Noninterest expense to average assets | 2.5561% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6770% | 3,593 |
| Return on assets (ROA) | 0.6776% | 3,788 |
| Pretax return on assets | 1.0121% | 3,199 |
| Return on Equity (ROE) | 7.3797% | 3,208 |
| Retained earnings to average equity (ytd only) | 2.0220% | 4,774 |
| Net charge-offs to loans | 0.2139% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 10.4788% | 1,834 |
| Efficiency ratio | 71.6529% | 3,650 |
| Assets per employee ($millions) | 3.7347% | 4,474 |
| Cash dividends to net income (ytd only)* | 72.6011% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 5,291 |
| Loan loss allowance to noncurrent loans | 152.3699% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 5,837 |
| Noncurrent loans to loans | 0.8011% | 5,088 |
| Net loans and leases to total assets | 43.2707% | 6,266 |
| Net loans and leases to deposits | 47.8581% | 6,505 |
| Net loans and leases to core deposits | 51.2680% | 6,463 |
| Total domestic deposits to total assets | 90.4145% | 756 |
| Equity capital to assets | 9.2118% | 5,265 |
| Core capital (leverage) ratio | 9.0297% | 4,728 |
| Tier 1 risk-based capital ratio | 20.0313% | 1,634 |
| Total risk-based capital ratio | 21.2023% | 1,628 |
| Memoranda: | ||
| Average total assets | $244,550,600 | 2,584 |
| Average earning assets | $227,131,600 | 2,538 |
| Average equity | $22,453,400 | 2,841 |
| Average total loans | $110,355,400 | 3,370 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 6,706 |
| Cost of funding earning assets | 0.7382% | 5,537 |
| Net interest margin | 3.1850% | 6,195 |
| Noninterest income to average assets | 0.5873% | 3,250 |
| Noninterest expense to average assets | 2.4954% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7269% | 3,476 |
| Return on assets (ROA) | 0.7277% | 3,654 |
| Pretax return on assets | 1.0511% | 3,206 |
| Return on Equity (ROE) | 7.9318% | 3,064 |
| Retained earnings to average equity (ytd only) | 2.5784% | 4,821 |
| Net charge-offs to loans | 0.2860% | 3,656 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 8.0755% | 2,242 |
| Efficiency ratio | 70.3852% | 3,888 |
| Assets per employee ($millions) | 3.7966% | 4,310 |
| Cash dividends to net income (ytd only)* | 67.4925% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 5,451 |
| Loan loss allowance to noncurrent loans | 130.0395% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 5,944 |
| Noncurrent loans to loans | 0.9254% | 5,028 |
| Net loans and leases to total assets | 43.1204% | 6,419 |
| Net loans and leases to deposits | 47.5662% | 6,645 |
| Net loans and leases to core deposits | 50.5864% | 6,645 |
| Total domestic deposits to total assets | 90.6534% | 570 |
| Equity capital to assets | 9.0465% | 5,696 |
| Core capital (leverage) ratio | 9.0447% | 4,856 |
| Tier 1 risk-based capital ratio | 20.0570% | 1,670 |
| Total risk-based capital ratio | 21.2288% | 1,662 |
| Memoranda: | ||
| Average total assets | $244,066,250 | 2,593 |
| Average earning assets | $226,682,500 | 2,547 |
| Average equity | $22,390,250 | 2,845 |
| Average total loans | $110,950,500 | 3,393 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9658% | 6,715 |
| Cost of funding earning assets | 0.7769% | 5,527 |
| Net interest margin | 3.1889% | 6,196 |
| Noninterest income to average assets | 0.5837% | 3,240 |
| Noninterest expense to average assets | 2.5242% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7061% | 3,511 |
| Return on assets (ROA) | 0.7061% | 3,622 |
| Pretax return on assets | 1.0153% | 3,186 |
| Return on Equity (ROE) | 7.6600% | 3,117 |
| Retained earnings to average equity (ytd only) | 2.3231% | 4,810 |
| Net charge-offs to loans | 0.0197% | 5,565 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 111.6364% | 327 |
| Efficiency ratio | 71.3151% | 3,876 |
| Assets per employee ($millions) | 3.7253% | 4,368 |
| Cash dividends to net income (ytd only)* | 69.6721% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3942% | 4,603 |
| Loan loss allowance to noncurrent loans | 134.8776% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7610% | 5,384 |
| Noncurrent loans to loans | 1.0337% | 4,930 |
| Net loans and leases to total assets | 44.3857% | 6,407 |
| Net loans and leases to deposits | 49.0012% | 6,667 |
| Net loans and leases to core deposits | 52.2585% | 6,648 |
| Total domestic deposits to total assets | 90.5808% | 686 |
| Equity capital to assets | 9.1308% | 5,382 |
| Core capital (leverage) ratio | 8.9831% | 4,751 |
| Tier 1 risk-based capital ratio | 20.0709% | 1,597 |
| Total risk-based capital ratio | 21.3227% | 1,573 |
| Memoranda: | ||
| Average total assets | $241,897,330 | 2,635 |
| Average earning assets | $224,216,330 | 2,592 |
| Average equity | $22,297,670 | 2,840 |
| Average total loans | $111,479,330 | 3,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 6,635 |
| Cost of funding earning assets | 0.7852% | 5,643 |
| Net interest margin | 3.2450% | 5,934 |
| Noninterest income to average assets | 0.5952% | 3,206 |
| Noninterest expense to average assets | 2.5543% | 5,374 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7269% | 3,394 |
| Return on assets (ROA) | 0.7269% | 3,456 |
| Pretax return on assets | 1.0521% | 2,936 |
| Return on Equity (ROE) | 7.8483% | 2,982 |
| Retained earnings to average equity (ytd only) | 2.5021% | 4,656 |
| Net charge-offs to loans | 0.0286% | 4,694 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 78.8750% | 395 |
| Efficiency ratio | 70.8276% | 4,093 |
| Assets per employee ($millions) | 3.7963% | 4,307 |
| Cash dividends to net income (ytd only)* | 68.1193% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3879% | 4,729 |
| Loan loss allowance to noncurrent loans | 260.2694% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 5,902 |
| Noncurrent loans to loans | 0.5333% | 5,962 |
| Net loans and leases to total assets | 44.5150% | 6,428 |
| Net loans and leases to deposits | 49.0721% | 6,685 |
| Net loans and leases to core deposits | 51.8137% | 6,688 |
| Total domestic deposits to total assets | 90.7133% | 758 |
| Equity capital to assets | 9.0257% | 5,167 |
| Core capital (leverage) ratio | 9.2648% | 4,179 |
| Tier 1 risk-based capital ratio | 19.9869% | 1,591 |
| Total risk-based capital ratio | 21.2384% | 1,555 |
| Memoranda: | ||
| Average total assets | $239,911,000 | 2,666 |
| Average earning assets | $222,622,000 | 2,628 |
| Average equity | $22,221,500 | 2,842 |
| Average total loans | $111,882,000 | 3,445 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 6,517 |
| Cost of funding earning assets | 0.8956% | 6,188 |
| Net interest margin | 3.5554% | 5,018 |
| Noninterest income to average assets | 0.5893% | 3,542 |
| Noninterest expense to average assets | 2.7165% | 4,921 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7728% | 2,916 |
| Return on assets (ROA) | 0.7728% | 3,039 |
| Pretax return on assets | 1.1555% | 2,376 |
| Return on Equity (ROE) | 8.0634% | 2,677 |
| Retained earnings to average equity (ytd only) | 2.1738% | 4,370 |
| Net charge-offs to loans | 0.0303% | 6,505 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 81.5152% | 297 |
| Efficiency ratio | 70.1575% | 4,145 |
| Assets per employee ($millions) | 3.5855% | 4,739 |
| Cash dividends to net income (ytd only)* | 73.0406% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 4,595 |
| Loan loss allowance to noncurrent loans | 125.2216% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 5,962 |
| Noncurrent loans to loans | 1.1044% | 4,890 |
| Net loans and leases to total assets | 47.5491% | 6,436 |
| Net loans and leases to deposits | 52.6802% | 6,694 |
| Net loans and leases to core deposits | 55.8131% | 6,700 |
| Total domestic deposits to total assets | 90.2600% | 948 |
| Equity capital to assets | 9.5130% | 4,388 |
| Core capital (leverage) ratio | 9.2740% | 4,057 |
| Tier 1 risk-based capital ratio | 20.4470% | 1,411 |
| Total risk-based capital ratio | 21.6993% | 1,387 |
| Memoranda: | ||
| Average total assets | $232,803,000 | 2,709 |
| Average earning assets | $214,942,200 | 2,689 |
| Average equity | $22,310,800 | 2,842 |
| Average total loans | $108,959,600 | 3,570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4886% | 6,635 |
| Cost of funding earning assets | 0.9067% | 6,372 |
| Net interest margin | 3.5820% | 4,962 |
| Noninterest income to average assets | 0.5740% | 3,626 |
| Noninterest expense to average assets | 2.4737% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9275% | 2,506 |
| Return on assets (ROA) | 0.9275% | 2,640 |
| Pretax return on assets | 1.4047% | 1,867 |
| Return on Equity (ROE) | 9.6600% | 2,261 |
| Retained earnings to average equity (ytd only) | 4.4213% | 3,390 |
| Net charge-offs to loans | 0.0197% | 6,399 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 153.2700% | 208 |
| Efficiency ratio | 63.7814% | 5,283 |
| Assets per employee ($millions) | 3.5956% | 4,746 |
| Cash dividends to net income (ytd only)* | 54.2312% | 1,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 4,408 |
| Loan loss allowance to noncurrent loans | 121.0324% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 6,053 |
| Noncurrent loans to loans | 1.1645% | 4,918 |
| Net loans and leases to total assets | 46.3084% | 6,668 |
| Net loans and leases to deposits | 51.2780% | 6,925 |
| Net loans and leases to core deposits | 54.3620% | 6,938 |
| Total domestic deposits to total assets | 90.3085% | 720 |
| Equity capital to assets | 9.5246% | 4,802 |
| Core capital (leverage) ratio | 9.4009% | 4,055 |
| Tier 1 risk-based capital ratio | 20.6244% | 1,419 |
| Total risk-based capital ratio | 21.8768% | 1,404 |
| Memoranda: | ||
| Average total assets | $232,738,750 | 2,747 |
| Average earning assets | $214,699,500 | 2,728 |
| Average equity | $22,345,750 | 2,884 |
| Average total loans | $108,106,500 | 3,636 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 6,683 |
| Cost of funding earning assets | 0.9196% | 6,504 |
| Net interest margin | 3.5922% | 4,851 |
| Noninterest income to average assets | 0.5804% | 3,478 |
| Noninterest expense to average assets | 2.4445% | 5,930 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9472% | 2,377 |
| Return on assets (ROA) | 0.9472% | 2,466 |
| Pretax return on assets | 1.4506% | 1,693 |
| Return on Equity (ROE) | 9.8383% | 2,159 |
| Retained earnings to average equity (ytd only) | 4.6181% | 3,133 |
| Net charge-offs to loans | 0.0299% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 104.8125% | 311 |
| Efficiency ratio | 62.7582% | 5,560 |
| Assets per employee ($millions) | 3.5153% | 4,886 |
| Cash dividends to net income (ytd only)* | 53.0594% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,192 |
| Loan loss allowance to noncurrent loans | 505.1447% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 7,053 |
| Noncurrent loans to loans | 0.2865% | 6,657 |
| Net loans and leases to total assets | 46.1150% | 6,772 |
| Net loans and leases to deposits | 51.1637% | 7,016 |
| Net loans and leases to core deposits | 53.8352% | 7,048 |
| Total domestic deposits to total assets | 90.1323% | 850 |
| Equity capital to assets | 9.6695% | 4,436 |
| Core capital (leverage) ratio | 9.4005% | 3,962 |
| Tier 1 risk-based capital ratio | 20.8720% | 1,362 |
| Total risk-based capital ratio | 22.1249% | 1,334 |
| Memoranda: | ||
| Average total assets | $231,214,670 | 2,791 |
| Average earning assets | $213,353,330 | 2,768 |
| Average equity | $22,260,000 | 2,888 |
| Average total loans | $106,986,670 | 3,695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5303% | 6,730 |
| Cost of funding earning assets | 0.9219% | 6,688 |
| Net interest margin | 3.6084% | 4,690 |
| Noninterest income to average assets | 0.5615% | 3,552 |
| Noninterest expense to average assets | 2.4504% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9358% | 2,412 |
| Return on assets (ROA) | 0.9358% | 2,473 |
| Pretax return on assets | 1.4280% | 1,699 |
| Return on Equity (ROE) | 9.7416% | 2,192 |
| Retained earnings to average equity (ytd only) | 4.5100% | 3,454 |
| Net charge-offs to loans | 0.0640% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 48.4706% | 590 |
| Efficiency ratio | 63.1814% | 5,628 |
| Assets per employee ($millions) | 3.5701% | 4,888 |
| Cash dividends to net income (ytd only)* | 53.7037% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4740% | 4,047 |
| Loan loss allowance to noncurrent loans | 867.4033% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 7,300 |
| Noncurrent loans to loans | 0.1699% | 6,997 |
| Net loans and leases to total assets | 44.5370% | 6,950 |
| Net loans and leases to deposits | 49.3063% | 7,164 |
| Net loans and leases to core deposits | 51.8240% | 7,215 |
| Total domestic deposits to total assets | 90.3272% | 816 |
| Equity capital to assets | 9.4390% | 4,632 |
| Core capital (leverage) ratio | 9.5227% | 3,734 |
| Tier 1 risk-based capital ratio | 20.8281% | 1,369 |
| Total risk-based capital ratio | 22.0812% | 1,342 |
| Memoranda: | ||
| Average total assets | $230,817,500 | 2,867 |
| Average earning assets | $212,170,500 | 2,853 |
| Average equity | $22,173,000 | 2,921 |
| Average total loans | $106,199,000 | 3,773 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9447% | 6,601 |
| Cost of funding earning assets | 1.0486% | 7,104 |
| Net interest margin | 3.8961% | 3,285 |
| Noninterest income to average assets | 0.5210% | 4,252 |
| Noninterest expense to average assets | 2.7015% | 5,387 |
| Loan and lease loss provision to assets | 0.0720% | 6,862 |
| Net operating income to assets | 0.8973% | 2,185 |
| Return on assets (ROA) | 0.8976% | 2,254 |
| Pretax return on assets | 1.3748% | 1,492 |
| Return on Equity (ROE) | 9.1498% | 1,976 |
| Retained earnings to average equity (ytd only) | 3.5420% | 2,698 |
| Net charge-offs to loans | 0.0366% | 6,758 |
| Credit loss provision to net charge-offs | 428.9474% | 727 |
| Earnings coverage of net charge-offs (x) | 86.2105% | 316 |
| Efficiency ratio | 65.1304% | 5,563 |
| Assets per employee ($millions) | 3.4243% | 5,197 |
| Cash dividends to net income (ytd only)* | 61.2887% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,739 |
| Loan loss allowance to noncurrent loans | 650.4098% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 7,107 |
| Noncurrent loans to loans | 0.2304% | 6,853 |
| Net loans and leases to total assets | 46.1488% | 6,956 |
| Net loans and leases to deposits | 51.2821% | 7,187 |
| Net loans and leases to core deposits | 59.5933% | 7,283 |
| Total domestic deposits to total assets | 89.9901% | 965 |
| Equity capital to assets | 9.7807% | 4,033 |
| Core capital (leverage) ratio | 9.4689% | 3,756 |
| Tier 1 risk-based capital ratio | 20.9866% | 1,294 |
| Total risk-based capital ratio | 22.2406% | 1,266 |
| Memoranda: | ||
| Average total assets | $226,502,600 | 2,862 |
| Average earning assets | $210,853,000 | 2,828 |
| Average equity | $22,219,000 | 2,920 |
| Average total loans | $103,883,600 | 3,843 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9656% | 6,716 |
| Cost of funding earning assets | 1.0600% | 7,266 |
| Net interest margin | 3.9056% | 3,222 |
| Noninterest income to average assets | 0.5101% | 4,403 |
| Noninterest expense to average assets | 2.6210% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0092% | 2,022 |
| Return on assets (ROA) | 1.0096% | 2,082 |
| Pretax return on assets | 1.5443% | 1,292 |
| Return on Equity (ROE) | 10.2840% | 1,822 |
| Retained earnings to average equity (ytd only) | 5.3878% | 2,261 |
| Net charge-offs to loans | -0.0026% | 7,598 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9326% | 5,942 |
| Assets per employee ($millions) | 3.5010% | 4,923 |
| Cash dividends to net income (ytd only)* | 47.6110% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 4,024 |
| Loan loss allowance to noncurrent loans | 866.2722% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 7,373 |
| Noncurrent loans to loans | 0.1599% | 7,087 |
| Net loans and leases to total assets | 45.8082% | 7,125 |
| Net loans and leases to deposits | 50.9514% | 7,364 |
| Net loans and leases to core deposits | 59.2524% | 7,426 |
| Total domestic deposits to total assets | 89.9058% | 805 |
| Equity capital to assets | 9.8407% | 4,298 |
| Core capital (leverage) ratio | 9.4851% | 3,928 |
| Tier 1 risk-based capital ratio | 20.8535% | 1,386 |
| Total risk-based capital ratio | 22.1055% | 1,362 |
| Memoranda: | ||
| Average total assets | $226,626,750 | 2,874 |
| Average earning assets | $212,066,250 | 2,826 |
| Average equity | $22,247,500 | 2,941 |
| Average total loans | $103,383,000 | 3,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9740% | 6,855 |
| Cost of funding earning assets | 1.0765% | 7,424 |
| Net interest margin | 3.8974% | 3,124 |
| Noninterest income to average assets | 0.5081% | 4,376 |
| Noninterest expense to average assets | 2.6441% | 5,583 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9954% | 2,128 |
| Return on assets (ROA) | 0.9960% | 2,220 |
| Pretax return on assets | 1.5218% | 1,386 |
| Return on Equity (ROE) | 10.1538% | 1,969 |
| Retained earnings to average equity (ytd only) | 4.5949% | 2,736 |
| Net charge-offs to loans | -0.0078% | 7,582 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4840% | 6,005 |
| Assets per employee ($millions) | 3.5559% | 4,669 |
| Cash dividends to net income (ytd only)* | 54.7471% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 3,766 |
| Loan loss allowance to noncurrent loans | 403.8567% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1727% | 7,116 |
| Noncurrent loans to loans | 0.3449% | 6,652 |
| Net loans and leases to total assets | 45.6074% | 7,223 |
| Net loans and leases to deposits | 50.7377% | 7,454 |
| Net loans and leases to core deposits | 58.2833% | 7,514 |
| Total domestic deposits to total assets | 89.8887% | 873 |
| Equity capital to assets | 9.7391% | 4,293 |
| Core capital (leverage) ratio | 9.2108% | 4,293 |
| Tier 1 risk-based capital ratio | 19.9091% | 1,599 |
| Total risk-based capital ratio | 21.1608% | 1,558 |
| Memoranda: | ||
| Average total assets | $226,313,670 | 2,898 |
| Average earning assets | $212,345,000 | 2,837 |
| Average equity | $22,198,670 | 2,949 |
| Average total loans | $102,608,000 | 3,950 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2227% | 6,211 |
| Cost of funding earning assets | 1.1155% | 7,492 |
| Net interest margin | 4.1072% | 2,246 |
| Noninterest income to average assets | 0.5459% | 3,963 |
| Noninterest expense to average assets | 2.5416% | 5,681 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1970% | 1,662 |
| Return on assets (ROA) | 1.1981% | 1,772 |
| Pretax return on assets | 1.8433% | 902 |
| Return on Equity (ROE) | 12.1714% | 1,611 |
| Retained earnings to average equity (ytd only) | 7.0580% | 2,189 |
| Net charge-offs to loans | -0.0316% | 7,568 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9863% | 6,702 |
| Assets per employee ($millions) | 3.6722% | 4,398 |
| Cash dividends to net income (ytd only)* | 42.0118% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 3,238 |
| Loan loss allowance to noncurrent loans | 316.1290% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 6,941 |
| Noncurrent loans to loans | 0.4584% | 6,270 |
| Net loans and leases to total assets | 42.5379% | 7,433 |
| Net loans and leases to deposits | 47.2342% | 7,613 |
| Net loans and leases to core deposits | 54.1228% | 7,676 |
| Total domestic deposits to total assets | 90.0575% | 776 |
| Equity capital to assets | 9.4732% | 4,705 |
| Core capital (leverage) ratio | 9.4397% | 4,056 |
| Tier 1 risk-based capital ratio | 19.8419% | 1,648 |
| Total risk-based capital ratio | 21.0934% | 1,603 |
| Memoranda: | ||
| Average total assets | $225,682,000 | 2,924 |
| Average earning assets | $210,848,000 | 2,869 |
| Average equity | $22,216,000 | 2,952 |
| Average total loans | $101,283,000 | 3,999 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9132% | 5,971 |
| Cost of funding earning assets | 1.6106% | 7,427 |
| Net interest margin | 4.3026% | 1,961 |
| Noninterest income to average assets | 0.5319% | 4,381 |
| Noninterest expense to average assets | 2.5580% | 5,800 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2344% | 1,670 |
| Return on assets (ROA) | 1.2353% | 1,612 |
| Pretax return on assets | 1.9139% | 744 |
| Return on Equity (ROE) | 12.6954% | 1,411 |
| Retained earnings to average equity (ytd only) | 3.0333% | 3,280 |
| Net charge-offs to loans | -0.0118% | 7,870 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2193% | 6,831 |
| Assets per employee ($millions) | 3.3804% | 4,994 |
| Cash dividends to net income (ytd only)* | 76.1072% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,948 |
| Loan loss allowance to noncurrent loans | 482.5083% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 7,015 |
| Noncurrent loans to loans | 0.2996% | 6,483 |
| Net loans and leases to total assets | 46.0662% | 7,325 |
| Net loans and leases to deposits | 51.6493% | 7,553 |
| Net loans and leases to core deposits | 60.3743% | 7,568 |
| Total domestic deposits to total assets | 89.1903% | 964 |
| Equity capital to assets | 10.2467% | 3,761 |
| Core capital (leverage) ratio | 9.4229% | 4,125 |
| Tier 1 risk-based capital ratio | 20.5770% | 1,525 |
| Total risk-based capital ratio | 21.8292% | 1,490 |
| Memoranda: | ||
| Average total assets | $217,517,800 | 2,905 |
| Average earning assets | $199,113,800 | 2,901 |
| Average equity | $21,165,200 | 3,079 |
| Average total loans | $102,114,200 | 3,893 |