Home > Mauch Chunk Trust Company > Performance and Condition Ratios
Mauch Chunk Trust Company, Performance and Condition Ratios
| 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 | 4.6436% | 3,679 |
| Cost of funding earning assets | 2.2190% | 1,695 |
| Net interest margin | 2.4246% | 3,975 |
| Noninterest income to average assets | 0.7500% | 1,034 |
| Noninterest expense to average assets | 2.4410% | 2,478 |
| Loan and lease loss provision to assets | 0.2100% | 634 |
| Net operating income to assets | 0.3593% | 3,749 |
| Return on assets (ROA) | 0.3061% | 3,864 |
| Pretax return on assets | 0.2979% | 3,932 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,901 |
| Net charge-offs to loans | 0.7861% | 202 |
| Credit loss provision to net charge-offs | 64.3939% | 2,249 |
| Earnings coverage of net charge-offs (x) | 1.7339% | 2,877 |
| Efficiency ratio | 81.3790% | 961 |
| Assets per employee ($millions) | 7.0418% | 2,138 |
| Cash dividends to net income (ytd only)* | 48.2312% | 1,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 2,471 |
| Loan loss allowance to noncurrent loans | 353.6530% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 2,765 |
| Noncurrent loans to loans | 0.3227% | 2,306 |
| Net loans and leases to total assets | 42.3500% | 3,945 |
| Net loans and leases to deposits | 44.4011% | 4,061 |
| Net loans and leases to core deposits | 50.2231% | 4,007 |
| Total domestic deposits to total assets | 95.3700% | 44 |
| Equity capital to assets | -1.1861% | 4,509 |
| Core capital (leverage) ratio | 7.2116% | 4,410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0992% | 1,830 |
| Memoranda: | ||
| Average total assets | $655,641,200 | 1,416 |
| Average earning assets | $608,604,000 | 1,416 |
| Average equity | $-3,894,800 | 4,492 |
| Average total loans | $268,668,200 | 1,978 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 3,665 |
| Cost of funding earning assets | 2.2103% | 1,711 |
| Net interest margin | 2.4170% | 3,990 |
| Noninterest income to average assets | 0.8000% | 884 |
| Noninterest expense to average assets | 2.4048% | 2,510 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 0.4413% | 3,606 |
| Return on assets (ROA) | 0.3723% | 3,771 |
| Pretax return on assets | 0.3812% | 3,840 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,956 |
| Net charge-offs to loans | 0.6473% | 199 |
| Credit loss provision to net charge-offs | 73.0976% | 1,904 |
| Earnings coverage of net charge-offs (x) | 2.4520% | 2,590 |
| Efficiency ratio | 78.8937% | 1,158 |
| Assets per employee ($millions) | 7.4450% | 1,842 |
| Cash dividends to net income (ytd only)* | 30.7151% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 1,776 |
| Loan loss allowance to noncurrent loans | 215.7830% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 2,283 |
| Noncurrent loans to loans | 0.5957% | 1,602 |
| Net loans and leases to total assets | 40.1100% | 4,024 |
| Net loans and leases to deposits | 43.1570% | 4,126 |
| Net loans and leases to core deposits | 48.7387% | 4,073 |
| Total domestic deposits to total assets | 92.9500% | 99 |
| Equity capital to assets | 0.4819% | 4,519 |
| Core capital (leverage) ratio | 7.1759% | 4,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5533% | 1,681 |
| Memoranda: | ||
| Average total assets | $661,112,000 | 1,398 |
| Average earning assets | $614,970,750 | 1,395 |
| Average equity | $-2,989,250 | 4,521 |
| Average total loans | $267,969,250 | 1,973 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 3,851 |
| Cost of funding earning assets | 2.1679% | 1,727 |
| Net interest margin | 2.2815% | 4,090 |
| Noninterest income to average assets | 0.9900% | 609 |
| Noninterest expense to average assets | 2.4153% | 2,474 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.5448% | 3,316 |
| Return on assets (ROA) | 0.4607% | 3,571 |
| Pretax return on assets | 0.5081% | 3,615 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,835 |
| Net charge-offs to loans | 0.0180% | 1,814 |
| Credit loss provision to net charge-offs | 1,291.6667% | 328 |
| Earnings coverage of net charge-offs (x) | 95.2500% | 792 |
| Efficiency ratio | 77.6627% | 1,324 |
| Assets per employee ($millions) | 7.3664% | 1,825 |
| Cash dividends to net income (ytd only)* | 37.4011% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,006 |
| Loan loss allowance to noncurrent loans | 171.5768% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3635% | 1,711 |
| Noncurrent loans to loans | 0.8879% | 1,064 |
| Net loans and leases to total assets | 40.3200% | 4,028 |
| Net loans and leases to deposits | 43.4113% | 4,130 |
| Net loans and leases to core deposits | 49.2612% | 4,062 |
| Total domestic deposits to total assets | 92.8700% | 159 |
| Equity capital to assets | -1.0660% | 4,558 |
| Core capital (leverage) ratio | 7.0657% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6732% | 1,632 |
| Memoranda: | ||
| Average total assets | $658,132,667 | 1,402 |
| Average earning assets | $612,841,000 | 1,395 |
| Average equity | $-5,062,000 | 4,541 |
| Average total loans | $266,531,667 | 1,982 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 3,957 |
| Cost of funding earning assets | 2.0592% | 1,862 |
| Net interest margin | 2.2439% | 4,144 |
| Noninterest income to average assets | 1.3200% | 385 |
| Noninterest expense to average assets | 2.4120% | 2,483 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.7711% | 2,629 |
| Return on assets (ROA) | 0.7711% | 2,642 |
| Pretax return on assets | 0.9022% | 2,660 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 3,696 |
| Net charge-offs to loans | 0.0227% | 1,388 |
| Credit loss provision to net charge-offs | 1,026.6667% | 339 |
| Earnings coverage of net charge-offs (x) | 108.8667% | 641 |
| Efficiency ratio | 70.7714% | 2,065 |
| Assets per employee ($millions) | 7.3052% | 1,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 1,069 |
| Loan loss allowance to noncurrent loans | 173.0903% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3466% | 1,722 |
| Noncurrent loans to loans | 0.8685% | 1,018 |
| Net loans and leases to total assets | 39.3100% | 4,041 |
| Net loans and leases to deposits | 43.2238% | 4,114 |
| Net loans and leases to core deposits | 49.3200% | 4,086 |
| Total domestic deposits to total assets | 90.9400% | 544 |
| Equity capital to assets | -0.8103% | 4,585 |
| Core capital (leverage) ratio | 7.7217% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2502% | 1,469 |
| Memoranda: | ||
| Average total assets | $655,711,000 | 1,413 |
| Average earning assets | $610,730,500 | 1,404 |
| Average equity | $-4,059,500 | 4,571 |
| Average total loans | $264,090,500 | 1,991 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 3,322 |
| Cost of funding earning assets | 1.9214% | 1,037 |
| Net interest margin | 2.4532% | 4,139 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.4625% | 2,409 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.4789% | 3,715 |
| Return on assets (ROA) | 0.4789% | 3,712 |
| Pretax return on assets | 0.5058% | 3,793 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0304% | 1,694 |
| Credit loss provision to net charge-offs | 844.3038% | 469 |
| Earnings coverage of net charge-offs (x) | 48.8608% | 1,307 |
| Efficiency ratio | 80.1082% | 911 |
| Assets per employee ($millions) | 7.4327% | 1,782 |
| Cash dividends to net income (ytd only)* | 37.5124% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4641% | 1,159 |
| Loan loss allowance to noncurrent loans | 165.0515% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 1,520 |
| Noncurrent loans to loans | 0.8870% | 851 |
| Net loans and leases to total assets | 40.0600% | 4,037 |
| Net loans and leases to deposits | 45.5038% | 4,064 |
| Net loans and leases to core deposits | 48.0564% | 4,121 |
| Total domestic deposits to total assets | 88.0400% | 1,341 |
| Equity capital to assets | -0.4225% | 4,605 |
| Core capital (leverage) ratio | 7.2153% | 4,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9393% | 1,885 |
| Memoranda: | ||
| Average total assets | $631,277,000 | 1,414 |
| Average earning assets | $582,168,800 | 1,413 |
| Average equity | $-9,443,600 | 4,589 |
| Average total loans | $259,794,000 | 1,958 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 3,260 |
| Cost of funding earning assets | 1.8253% | 971 |
| Net interest margin | 2.4921% | 4,151 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.4561% | 2,358 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.5952% | 3,556 |
| Return on assets (ROA) | 0.5952% | 3,542 |
| Pretax return on assets | 0.6471% | 3,650 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | 0.0360% | 1,377 |
| Credit loss provision to net charge-offs | 327.1429% | 835 |
| Earnings coverage of net charge-offs (x) | 46.7714% | 1,351 |
| Efficiency ratio | 77.9261% | 1,019 |
| Assets per employee ($millions) | 7.3275% | 1,742 |
| Cash dividends to net income (ytd only)* | 20.2428% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 1,868 |
| Loan loss allowance to noncurrent loans | 1,710.5000% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 3,496 |
| Noncurrent loans to loans | 0.0760% | 3,213 |
| Net loans and leases to total assets | 40.2900% | 4,045 |
| Net loans and leases to deposits | 45.1828% | 4,076 |
| Net loans and leases to core deposits | 47.5306% | 4,096 |
| Total domestic deposits to total assets | 89.1800% | 1,189 |
| Equity capital to assets | -2.8237% | 4,631 |
| Core capital (leverage) ratio | 7.3498% | 4,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8094% | 1,968 |
| Memoranda: | ||
| Average total assets | $627,434,500 | 1,420 |
| Average earning assets | $577,437,500 | 1,425 |
| Average equity | $-11,121,500 | 4,618 |
| Average total loans | $259,017,750 | 1,967 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 3,293 |
| Cost of funding earning assets | 1.7012% | 880 |
| Net interest margin | 2.5012% | 4,209 |
| Noninterest income to average assets | 0.7500% | 976 |
| Noninterest expense to average assets | 2.3239% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6679% | 3,414 |
| Return on assets (ROA) | 0.6679% | 3,416 |
| Pretax return on assets | 0.7233% | 3,555 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0458% | 1,047 |
| Credit loss provision to net charge-offs | 22.0339% | 1,762 |
| Earnings coverage of net charge-offs (x) | 38.3220% | 1,425 |
| Efficiency ratio | 76.1598% | 1,162 |
| Assets per employee ($millions) | 7.2440% | 1,755 |
| Cash dividends to net income (ytd only)* | 27.3121% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,229 |
| Loan loss allowance to noncurrent loans | 1,280.8765% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 3,382 |
| Noncurrent loans to loans | 0.0968% | 3,012 |
| Net loans and leases to total assets | 40.1600% | 4,032 |
| Net loans and leases to deposits | 46.3175% | 4,033 |
| Net loans and leases to core deposits | 48.6157% | 4,051 |
| Total domestic deposits to total assets | 86.7000% | 2,024 |
| Equity capital to assets | -1.2397% | 4,661 |
| Core capital (leverage) ratio | 7.4912% | 4,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1549% | 2,234 |
| Memoranda: | ||
| Average total assets | $621,638,000 | 1,428 |
| Average earning assets | $572,770,000 | 1,432 |
| Average equity | $-8,759,333 | 4,648 |
| Average total loans | $257,609,000 | 1,968 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 3,095 |
| Cost of funding earning assets | 1.6186% | 675 |
| Net interest margin | 2.5558% | 4,250 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.2896% | 2,843 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7495% | 3,346 |
| Return on assets (ROA) | 0.7495% | 3,299 |
| Pretax return on assets | 0.8082% | 3,445 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0514% | 849 |
| Credit loss provision to net charge-offs | 109.0909% | 1,066 |
| Earnings coverage of net charge-offs (x) | 38.6667% | 1,198 |
| Efficiency ratio | 73.3556% | 1,403 |
| Assets per employee ($millions) | 7.4354% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,223 |
| Loan loss allowance to noncurrent loans | 1,209.2593% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 3,349 |
| Noncurrent loans to loans | 0.1045% | 3,017 |
| Net loans and leases to total assets | 41.3400% | 3,981 |
| Net loans and leases to deposits | 48.0562% | 3,960 |
| Net loans and leases to core deposits | 50.2971% | 3,988 |
| Total domestic deposits to total assets | 86.0300% | 2,579 |
| Equity capital to assets | -0.8136% | 4,686 |
| Core capital (leverage) ratio | 7.4022% | 4,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0059% | 2,384 |
| Memoranda: | ||
| Average total assets | $613,720,500 | 1,466 |
| Average earning assets | $564,669,500 | 1,479 |
| Average equity | $-9,187,500 | 4,672 |
| Average total loans | $256,814,000 | 1,994 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 2,683 |
| Cost of funding earning assets | 0.6260% | 803 |
| Net interest margin | 3.0132% | 3,417 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.3158% | 2,674 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.8724% | 3,070 |
| Return on assets (ROA) | 0.8275% | 3,155 |
| Pretax return on assets | 0.9534% | 3,213 |
| Return on Equity (ROE) | 62.9300% | 21 |
| Retained earnings to average equity (ytd only) | 48.7576% | 9 |
| Net charge-offs to loans | 0.0127% | 1,908 |
| Credit loss provision to net charge-offs | -841.9355% | 4,657 |
| Earnings coverage of net charge-offs (x) | 188.8387% | 679 |
| Efficiency ratio | 70.6478% | 1,600 |
| Assets per employee ($millions) | 7.3531% | 1,719 |
| Cash dividends to net income (ytd only)* | 22.5223% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 1,744 |
| Loan loss allowance to noncurrent loans | 1,534.6847% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,438 |
| Noncurrent loans to loans | 0.0870% | 3,132 |
| Net loans and leases to total assets | 41.2600% | 4,019 |
| Net loans and leases to deposits | 47.4215% | 3,993 |
| Net loans and leases to core deposits | 50.6033% | 3,955 |
| Total domestic deposits to total assets | 87.0100% | 2,389 |
| Equity capital to assets | -2.1881% | 4,721 |
| Core capital (leverage) ratio | 7.1899% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6414% | 2,513 |
| Memoranda: | ||
| Average total assets | $608,427,800 | 1,459 |
| Average earning assets | $564,578,400 | 1,467 |
| Average equity | $8,000,800 | 4,096 |
| Average total loans | $243,687,000 | 1,975 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 2,633 |
| Cost of funding earning assets | 0.4350% | 1,073 |
| Net interest margin | 3.0605% | 3,051 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.2573% | 2,768 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8823% | 2,954 |
| Return on assets (ROA) | 0.8823% | 2,922 |
| Pretax return on assets | 1.0224% | 2,958 |
| Return on Equity (ROE) | 40.2100% | 44 |
| Retained earnings to average equity (ytd only) | 34.5432% | 25 |
| Net charge-offs to loans | 0.0144% | 1,590 |
| Credit loss provision to net charge-offs | 746.1538% | 493 |
| Earnings coverage of net charge-offs (x) | 186.7692% | 647 |
| Efficiency ratio | 67.9451% | 2,035 |
| Assets per employee ($millions) | 7.0494% | 1,910 |
| Cash dividends to net income (ytd only)* | 14.0940% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,211 |
| Loan loss allowance to noncurrent loans | 1,243.4084% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 3,354 |
| Noncurrent loans to loans | 0.1233% | 3,030 |
| Net loans and leases to total assets | 41.9400% | 3,992 |
| Net loans and leases to deposits | 45.9794% | 4,027 |
| Net loans and leases to core deposits | 49.1787% | 3,990 |
| Total domestic deposits to total assets | 91.2100% | 1,157 |
| Equity capital to assets | -2.8520% | 4,757 |
| Core capital (leverage) ratio | 7.4038% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5636% | 2,636 |
| Memoranda: | ||
| Average total assets | $607,958,500 | 1,469 |
| Average earning assets | $565,860,250 | 1,469 |
| Average equity | $13,339,500 | 3,580 |
| Average total loans | $240,801,250 | 1,992 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 2,601 |
| Cost of funding earning assets | 0.3123% | 1,601 |
| Net interest margin | 3.0298% | 2,797 |
| Noninterest income to average assets | 0.4628% | 2,382 |
| Noninterest expense to average assets | 2.2572% | 2,679 |
| Loan and lease loss provision to assets | 0.0408% | 1,849 |
| Net operating income to assets | 0.8643% | 2,716 |
| Return on assets (ROA) | 0.8643% | 2,689 |
| Pretax return on assets | 1.0003% | 2,732 |
| Return on Equity (ROE) | 22.6347% | 178 |
| Retained earnings to average equity (ytd only) | 17.7918% | 124 |
| Net charge-offs to loans | 0.0093% | 1,643 |
| Credit loss provision to net charge-offs | 1,136.3636% | 372 |
| Earnings coverage of net charge-offs (x) | 290.1818% | 417 |
| Efficiency ratio | 68.4367% | 2,181 |
| Assets per employee ($millions) | 6.9730% | 1,958 |
| Cash dividends to net income (ytd only)* | 21.3962% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 1,284 |
| Loan loss allowance to noncurrent loans | 621.8597% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 2,995 |
| Noncurrent loans to loans | 0.2486% | 2,488 |
| Net loans and leases to total assets | 40.4779% | 4,053 |
| Net loans and leases to deposits | 46.4213% | 4,007 |
| Net loans and leases to core deposits | 50.9509% | 3,879 |
| Total domestic deposits to total assets | 87.1968% | 2,870 |
| Equity capital to assets | 0.1566% | 4,762 |
| Core capital (leverage) ratio | 7.1527% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0820% | 2,795 |
| Memoranda: | ||
| Average total assets | $613,228,333 | 1,465 |
| Average earning assets | $573,893,000 | 1,460 |
| Average equity | $23,415,333 | 2,786 |
| Average total loans | $236,998,667 | 2,013 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2082% | 2,662 |
| Cost of funding earning assets | 0.2693% | 1,936 |
| Net interest margin | 2.9388% | 2,711 |
| Noninterest income to average assets | 0.4490% | 2,393 |
| Noninterest expense to average assets | 2.2355% | 2,731 |
| Loan and lease loss provision to assets | 0.0387% | 1,666 |
| Net operating income to assets | 0.8168% | 2,608 |
| Return on assets (ROA) | 0.8168% | 2,595 |
| Pretax return on assets | 0.9413% | 2,629 |
| Return on Equity (ROE) | 14.6132% | 719 |
| Retained earnings to average equity (ytd only) | 14.6132% | 322 |
| Net charge-offs to loans | -0.0138% | 3,722 |
| Credit loss provision to net charge-offs | -750.0000% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5225% | 2,299 |
| Assets per employee ($millions) | 7.0035% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,257 |
| Loan loss allowance to noncurrent loans | 706.7542% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,210 |
| Noncurrent loans to loans | 0.2271% | 2,688 |
| Net loans and leases to total assets | 37.4737% | 4,139 |
| Net loans and leases to deposits | 44.9795% | 4,024 |
| Net loans and leases to core deposits | 49.9456% | 3,877 |
| Total domestic deposits to total assets | 83.3128% | 3,901 |
| Equity capital to assets | 3.3126% | 4,787 |
| Core capital (leverage) ratio | 7.1539% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7971% | 2,682 |
| Memoranda: | ||
| Average total assets | $620,003,500 | 1,461 |
| Average earning assets | $583,637,000 | 1,442 |
| Average equity | $34,653,500 | 2,268 |
| Average total loans | $232,223,500 | 2,032 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2164% | 3,438 |
| Cost of funding earning assets | 0.3010% | 2,397 |
| Net interest margin | 2.9154% | 3,408 |
| Noninterest income to average assets | 0.4998% | 2,565 |
| Noninterest expense to average assets | 2.2829% | 2,846 |
| Loan and lease loss provision to assets | 0.0721% | 1,653 |
| Net operating income to assets | 0.7802% | 3,392 |
| Return on assets (ROA) | 0.8455% | 3,268 |
| Pretax return on assets | 0.9763% | 3,328 |
| Return on Equity (ROE) | 10.2787% | 2,419 |
| Retained earnings to average equity (ytd only) | 8.0205% | 1,533 |
| Net charge-offs to loans | 0.0176% | 1,931 |
| Credit loss provision to net charge-offs | 1,040.0000% | 519 |
| Earnings coverage of net charge-offs (x) | 140.3000% | 704 |
| Efficiency ratio | 70.1092% | 1,717 |
| Assets per employee ($millions) | 7.0079% | 1,921 |
| Cash dividends to net income (ytd only)* | 21.9692% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,234 |
| Loan loss allowance to noncurrent loans | 668.8969% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.0887% | 3,318 |
| Noncurrent loans to loans | 0.2407% | 2,767 |
| Net loans and leases to total assets | 36.2399% | 4,277 |
| Net loans and leases to deposits | 45.9522% | 4,094 |
| Net loans and leases to core deposits | 47.9878% | 4,092 |
| Total domestic deposits to total assets | 78.8643% | 4,329 |
| Equity capital to assets | 7.8388% | 4,451 |
| Core capital (leverage) ratio | 6.8624% | 4,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8652% | 2,679 |
| Memoranda: | ||
| Average total assets | $576,579,400 | 1,497 |
| Average earning assets | $545,147,400 | 1,481 |
| Average equity | $47,428,200 | 1,847 |
| Average total loans | $227,277,400 | 2,063 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2255% | 3,557 |
| Cost of funding earning assets | 0.3103% | 2,495 |
| Net interest margin | 2.9152% | 3,518 |
| Noninterest income to average assets | 0.4974% | 2,629 |
| Noninterest expense to average assets | 2.2457% | 2,906 |
| Loan and lease loss provision to assets | 0.0829% | 1,432 |
| Net operating income to assets | 0.7936% | 3,536 |
| Return on assets (ROA) | 0.8815% | 3,375 |
| Pretax return on assets | 1.0229% | 3,386 |
| Return on Equity (ROE) | 10.5786% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.0629% | 1,668 |
| Net charge-offs to loans | 0.0241% | 1,561 |
| Credit loss provision to net charge-offs | 856.0976% | 563 |
| Earnings coverage of net charge-offs (x) | 103.6829% | 855 |
| Efficiency ratio | 69.1151% | 1,695 |
| Assets per employee ($millions) | 6.9623% | 1,897 |
| Cash dividends to net income (ytd only)* | 14.3278% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 1,412 |
| Loan loss allowance to noncurrent loans | 943.3766% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,695 |
| Noncurrent loans to loans | 0.1666% | 3,288 |
| Net loans and leases to total assets | 37.1272% | 4,334 |
| Net loans and leases to deposits | 46.6146% | 4,205 |
| Net loans and leases to core deposits | 48.0885% | 4,233 |
| Total domestic deposits to total assets | 79.6470% | 4,278 |
| Equity capital to assets | 7.9511% | 4,545 |
| Core capital (leverage) ratio | 6.9329% | 4,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0073% | 3,091 |
| Memoranda: | ||
| Average total assets | $564,798,750 | 1,542 |
| Average earning assets | $533,151,500 | 1,524 |
| Average equity | $47,062,500 | 1,876 |
| Average total loans | $226,664,750 | 2,103 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2546% | 3,547 |
| Cost of funding earning assets | 0.3228% | 2,561 |
| Net interest margin | 2.9318% | 3,498 |
| Noninterest income to average assets | 0.4894% | 2,669 |
| Noninterest expense to average assets | 2.2546% | 2,904 |
| Loan and lease loss provision to assets | 0.1020% | 1,242 |
| Net operating income to assets | 0.7702% | 3,593 |
| Return on assets (ROA) | 0.9059% | 3,278 |
| Pretax return on assets | 1.0542% | 3,322 |
| Return on Equity (ROE) | 10.6898% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.3893% | 1,942 |
| Net charge-offs to loans | 0.0302% | 1,364 |
| Credit loss provision to net charge-offs | 823.5294% | 530 |
| Earnings coverage of net charge-offs (x) | 80.5882% | 839 |
| Efficiency ratio | 69.3066% | 1,727 |
| Assets per employee ($millions) | 6.5707% | 2,112 |
| Cash dividends to net income (ytd only)* | 21.5205% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 1,376 |
| Loan loss allowance to noncurrent loans | 1,197.6510% | 650 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,903 |
| Noncurrent loans to loans | 0.1306% | 3,534 |
| Net loans and leases to total assets | 38.8387% | 4,345 |
| Net loans and leases to deposits | 49.4098% | 4,140 |
| Net loans and leases to core deposits | 51.1070% | 4,179 |
| Total domestic deposits to total assets | 78.6053% | 4,376 |
| Equity capital to assets | 8.2098% | 4,428 |
| Core capital (leverage) ratio | 7.0093% | 4,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2427% | 2,911 |
| Memoranda: | ||
| Average total assets | $548,838,000 | 1,579 |
| Average earning assets | $517,356,333 | 1,552 |
| Average equity | $46,511,667 | 1,879 |
| Average total loans | $225,185,333 | 2,123 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 3,632 |
| Cost of funding earning assets | 0.3439% | 2,576 |
| Net interest margin | 2.8820% | 3,571 |
| Noninterest income to average assets | 0.5047% | 2,587 |
| Noninterest expense to average assets | 2.2945% | 2,810 |
| Loan and lease loss provision to assets | 0.1071% | 1,285 |
| Net operating income to assets | 0.6854% | 3,744 |
| Return on assets (ROA) | 0.9578% | 3,037 |
| Pretax return on assets | 1.1383% | 3,018 |
| Return on Equity (ROE) | 11.1140% | 2,329 |
| Retained earnings to average equity (ytd only) | 11.1140% | 1,374 |
| Net charge-offs to loans | 0.0375% | 1,095 |
| Credit loss provision to net charge-offs | 680.9524% | 517 |
| Earnings coverage of net charge-offs (x) | 58.5714% | 833 |
| Efficiency ratio | 71.3554% | 1,557 |
| Assets per employee ($millions) | 6.2589% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5472% | 1,432 |
| Loan loss allowance to noncurrent loans | 1,453.5865% | 499 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 4,061 |
| Noncurrent loans to loans | 0.1064% | 3,776 |
| Net loans and leases to total assets | 40.7250% | 4,301 |
| Net loans and leases to deposits | 52.7839% | 4,011 |
| Net loans and leases to core deposits | 55.0703% | 4,041 |
| Total domestic deposits to total assets | 77.1542% | 4,506 |
| Equity capital to assets | 7.9951% | 4,495 |
| Core capital (leverage) ratio | 6.9872% | 4,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2259% | 3,074 |
| Memoranda: | ||
| Average total assets | $534,146,000 | 1,600 |
| Average earning assets | $502,431,500 | 1,585 |
| Average equity | $46,032,000 | 1,885 |
| Average total loans | $223,706,500 | 2,129 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5611% | 3,905 |
| Cost of funding earning assets | 0.5616% | 2,551 |
| Net interest margin | 2.9995% | 3,885 |
| Noninterest income to average assets | 0.5030% | 2,621 |
| Noninterest expense to average assets | 2.5281% | 2,759 |
| Loan and lease loss provision to assets | 0.3563% | 959 |
| Net operating income to assets | 0.3701% | 4,305 |
| Return on assets (ROA) | 0.6325% | 3,770 |
| Pretax return on assets | 0.7313% | 3,814 |
| Return on Equity (ROE) | 6.8033% | 3,281 |
| Retained earnings to average equity (ytd only) | 4.6006% | 2,482 |
| Net charge-offs to loans | 0.4725% | 346 |
| Credit loss provision to net charge-offs | 162.6629% | 2,361 |
| Earnings coverage of net charge-offs (x) | 3.5717% | 3,070 |
| Efficiency ratio | 76.3648% | 1,183 |
| Assets per employee ($millions) | 6.3859% | 2,014 |
| Cash dividends to net income (ytd only)* | 32.3767% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,660 |
| Loan loss allowance to noncurrent loans | 2,637.3016% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,243 |
| Noncurrent loans to loans | 0.0561% | 4,066 |
| Net loans and leases to total assets | 41.7783% | 4,366 |
| Net loans and leases to deposits | 55.3507% | 4,043 |
| Net loans and leases to core deposits | 57.5721% | 4,071 |
| Total domestic deposits to total assets | 75.4793% | 4,542 |
| Equity capital to assets | 9.2503% | 3,838 |
| Core capital (leverage) ratio | 7.0600% | 4,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1915% | 3,062 |
| Memoranda: | ||
| Average total assets | $490,253,200 | 1,585 |
| Average earning assets | $458,878,800 | 1,567 |
| Average equity | $45,581,000 | 1,831 |
| Average total loans | $227,286,600 | 2,052 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6698% | 3,858 |
| Cost of funding earning assets | 0.6192% | 2,491 |
| Net interest margin | 3.0506% | 3,865 |
| Noninterest income to average assets | 0.5116% | 2,556 |
| Noninterest expense to average assets | 2.5688% | 2,635 |
| Loan and lease loss provision to assets | 0.4004% | 880 |
| Net operating income to assets | 0.3412% | 4,375 |
| Return on assets (ROA) | 0.6110% | 3,830 |
| Pretax return on assets | 0.7076% | 3,885 |
| Return on Equity (ROE) | 6.5623% | 3,355 |
| Retained earnings to average equity (ytd only) | 5.0656% | 2,528 |
| Net charge-offs to loans | 0.5581% | 270 |
| Credit loss provision to net charge-offs | 151.1530% | 2,317 |
| Earnings coverage of net charge-offs (x) | 2.9990% | 2,942 |
| Efficiency ratio | 76.3846% | 1,172 |
| Assets per employee ($millions) | 6.1191% | 2,160 |
| Cash dividends to net income (ytd only)* | 22.8078% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,740 |
| Loan loss allowance to noncurrent loans | 3,374.1935% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 4,367 |
| Noncurrent loans to loans | 0.0415% | 4,220 |
| Net loans and leases to total assets | 43.5176% | 4,439 |
| Net loans and leases to deposits | 58.3266% | 4,150 |
| Net loans and leases to core deposits | 60.2510% | 4,188 |
| Total domestic deposits to total assets | 74.6101% | 4,535 |
| Equity capital to assets | 9.5232% | 3,669 |
| Core capital (leverage) ratio | 7.0513% | 4,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0231% | 2,915 |
| Memoranda: | ||
| Average total assets | $480,310,250 | 1,585 |
| Average earning assets | $448,945,000 | 1,575 |
| Average equity | $44,719,000 | 1,849 |
| Average total loans | $227,918,500 | 2,045 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,029 |
| Cost of funding earning assets | 0.6956% | 2,412 |
| Net interest margin | 3.0326% | 4,049 |
| Noninterest income to average assets | 0.5362% | 2,411 |
| Noninterest expense to average assets | 2.4546% | 3,089 |
| Loan and lease loss provision to assets | 0.4653% | 814 |
| Net operating income to assets | 0.3841% | 4,265 |
| Return on assets (ROA) | 0.6240% | 3,735 |
| Pretax return on assets | 0.7391% | 3,771 |
| Return on Equity (ROE) | 6.7582% | 3,225 |
| Retained earnings to average equity (ytd only) | 4.4503% | 2,730 |
| Net charge-offs to loans | 0.3578% | 447 |
| Credit loss provision to net charge-offs | 267.3171% | 1,699 |
| Earnings coverage of net charge-offs (x) | 5.2780% | 2,525 |
| Efficiency ratio | 72.7662% | 1,593 |
| Assets per employee ($millions) | 6.4272% | 1,845 |
| Cash dividends to net income (ytd only)* | 34.1497% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 1,583 |
| Loan loss allowance to noncurrent loans | 2,850.4274% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 4,403 |
| Noncurrent loans to loans | 0.0491% | 4,285 |
| Net loans and leases to total assets | 46.2400% | 4,352 |
| Net loans and leases to deposits | 61.2413% | 4,056 |
| Net loans and leases to core deposits | 62.8921% | 4,136 |
| Total domestic deposits to total assets | 75.5045% | 4,474 |
| Equity capital to assets | 9.1319% | 3,975 |
| Core capital (leverage) ratio | 8.6610% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9496% | 2,202 |
| Memoranda: | ||
| Average total assets | $471,118,000 | 1,581 |
| Average earning assets | $440,739,000 | 1,575 |
| Average equity | $43,503,000 | 1,869 |
| Average total loans | $229,172,000 | 2,019 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8640% | 4,103 |
| Cost of funding earning assets | 0.8565% | 2,085 |
| Net interest margin | 3.0075% | 4,269 |
| Noninterest income to average assets | 0.6369% | 1,872 |
| Noninterest expense to average assets | 2.6016% | 2,978 |
| Loan and lease loss provision to assets | 0.2032% | 1,502 |
| Net operating income to assets | 0.5341% | 3,794 |
| Return on assets (ROA) | 0.6343% | 3,558 |
| Pretax return on assets | 0.7588% | 3,523 |
| Return on Equity (ROE) | 6.8266% | 3,016 |
| Retained earnings to average equity (ytd only) | 6.8266% | 1,599 |
| Net charge-offs to loans | 0.3133% | 463 |
| Credit loss provision to net charge-offs | 130.6818% | 1,664 |
| Earnings coverage of net charge-offs (x) | 5.4205% | 2,060 |
| Efficiency ratio | 75.5322% | 1,614 |
| Assets per employee ($millions) | 5.8212% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,708 |
| Loan loss allowance to noncurrent loans | 1,415.1832% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,408 |
| Noncurrent loans to loans | 0.0842% | 4,174 |
| Net loans and leases to total assets | 48.1022% | 4,331 |
| Net loans and leases to deposits | 62.0975% | 4,093 |
| Net loans and leases to core deposits | 66.4391% | 4,058 |
| Total domestic deposits to total assets | 77.4624% | 4,301 |
| Equity capital to assets | 9.3689% | 4,339 |
| Core capital (leverage) ratio | 9.0986% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2107% | 1,839 |
| Memoranda: | ||
| Average total assets | $452,803,500 | 1,600 |
| Average earning assets | $422,670,000 | 1,590 |
| Average equity | $42,071,000 | 1,909 |
| Average total loans | $224,699,500 | 2,020 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9836% | 4,296 |
| Cost of funding earning assets | 1.1212% | 1,254 |
| Net interest margin | 2.8624% | 4,696 |
| Noninterest income to average assets | 0.5907% | 2,266 |
| Noninterest expense to average assets | 2.6534% | 3,014 |
| Loan and lease loss provision to assets | 0.2742% | 649 |
| Net operating income to assets | 0.2820% | 4,766 |
| Return on assets (ROA) | 0.5363% | 4,371 |
| Pretax return on assets | 0.6362% | 4,359 |
| Return on Equity (ROE) | 6.0899% | 3,890 |
| Retained earnings to average equity (ytd only) | 3.1341% | 3,457 |
| Net charge-offs to loans | 0.3740% | 534 |
| Credit loss provision to net charge-offs | 146.2264% | 1,754 |
| Earnings coverage of net charge-offs (x) | 3.2406% | 3,342 |
| Efficiency ratio | 81.3657% | 842 |
| Assets per employee ($millions) | 5.5685% | 2,010 |
| Cash dividends to net income (ytd only)* | 48.5361% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,495 |
| Loan loss allowance to noncurrent loans | 537.5254% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 4,024 |
| Noncurrent loans to loans | 0.2214% | 3,656 |
| Net loans and leases to total assets | 50.0183% | 4,324 |
| Net loans and leases to deposits | 60.8246% | 4,251 |
| Net loans and leases to core deposits | 64.2848% | 4,266 |
| Total domestic deposits to total assets | 82.2336% | 3,447 |
| Equity capital to assets | 9.2091% | 4,562 |
| Core capital (leverage) ratio | 9.1105% | 4,437 |
| Tier 1 risk-based capital ratio | 14.4725% | 3,032 |
| Total risk-based capital ratio | 15.4051% | 3,101 |
| Memoranda: | ||
| Average total assets | $452,208,000 | 1,550 |
| Average earning assets | $421,883,200 | 1,537 |
| Average equity | $39,819,800 | 1,943 |
| Average total loans | $226,739,000 | 1,976 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 4,323 |
| Cost of funding earning assets | 1.1469% | 1,185 |
| Net interest margin | 2.8717% | 4,790 |
| Noninterest income to average assets | 0.5828% | 2,298 |
| Noninterest expense to average assets | 2.4790% | 3,496 |
| Loan and lease loss provision to assets | 0.2132% | 812 |
| Net operating income to assets | 0.4765% | 4,576 |
| Return on assets (ROA) | 0.6091% | 4,326 |
| Pretax return on assets | 0.7292% | 4,280 |
| Return on Equity (ROE) | 6.9949% | 3,685 |
| Retained earnings to average equity (ytd only) | 4.7350% | 3,033 |
| Net charge-offs to loans | 0.2746% | 639 |
| Credit loss provision to net charge-offs | 155.2239% | 1,591 |
| Earnings coverage of net charge-offs (x) | 5.7121% | 2,898 |
| Efficiency ratio | 75.9602% | 1,336 |
| Assets per employee ($millions) | 5.8197% | 1,745 |
| Cash dividends to net income (ytd only)* | 32.3078% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1073% | 2,994 |
| Loan loss allowance to noncurrent loans | 476.5152% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 4,140 |
| Noncurrent loans to loans | 0.2324% | 3,711 |
| Net loans and leases to total assets | 48.8722% | 4,484 |
| Net loans and leases to deposits | 63.1932% | 4,227 |
| Net loans and leases to core deposits | 64.9191% | 4,330 |
| Total domestic deposits to total assets | 77.3379% | 4,469 |
| Equity capital to assets | 9.1072% | 4,723 |
| Core capital (leverage) ratio | 8.8814% | 4,723 |
| Tier 1 risk-based capital ratio | 14.3654% | 3,149 |
| Total risk-based capital ratio | 15.2409% | 3,254 |
| Memoranda: | ||
| Average total assets | $455,281,250 | 1,545 |
| Average earning assets | $425,013,750 | 1,537 |
| Average equity | $39,646,750 | 1,958 |
| Average total loans | $227,751,750 | 1,985 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0301% | 4,316 |
| Cost of funding earning assets | 1.1206% | 1,223 |
| Net interest margin | 2.9096% | 4,813 |
| Noninterest income to average assets | 0.5721% | 2,277 |
| Noninterest expense to average assets | 2.4932% | 3,503 |
| Loan and lease loss provision to assets | 0.1252% | 1,486 |
| Net operating income to assets | 0.5625% | 4,400 |
| Return on assets (ROA) | 0.6117% | 4,314 |
| Pretax return on assets | 0.7325% | 4,253 |
| Return on Equity (ROE) | 7.1353% | 3,621 |
| Retained earnings to average equity (ytd only) | 3.6807% | 3,416 |
| Net charge-offs to loans | 0.2404% | 700 |
| Credit loss provision to net charge-offs | 103.6496% | 1,915 |
| Earnings coverage of net charge-offs (x) | 6.6168% | 2,550 |
| Efficiency ratio | 75.7296% | 1,433 |
| Assets per employee ($millions) | 5.9955% | 1,549 |
| Cash dividends to net income (ytd only)* | 48.4150% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 3,752 |
| Loan loss allowance to noncurrent loans | 698.1538% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 4,414 |
| Noncurrent loans to loans | 0.1400% | 4,057 |
| Net loans and leases to total assets | 48.5248% | 4,551 |
| Net loans and leases to deposits | 65.8299% | 4,111 |
| Net loans and leases to core deposits | 67.6384% | 4,227 |
| Total domestic deposits to total assets | 73.7124% | 4,853 |
| Equity capital to assets | 8.7268% | 4,937 |
| Core capital (leverage) ratio | 8.7572% | 4,802 |
| Tier 1 risk-based capital ratio | 13.2893% | 3,697 |
| Total risk-based capital ratio | 14.0322% | 3,857 |
| Memoranda: | ||
| Average total assets | $453,789,000 | 1,556 |
| Average earning assets | $424,253,330 | 1,539 |
| Average equity | $38,905,330 | 1,985 |
| Average total loans | $227,932,330 | 1,994 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 4,319 |
| Cost of funding earning assets | 1.0796% | 1,259 |
| Net interest margin | 2.9455% | 4,830 |
| Noninterest income to average assets | 0.5389% | 2,346 |
| Noninterest expense to average assets | 2.5738% | 3,285 |
| Loan and lease loss provision to assets | 0.1099% | 1,622 |
| Net operating income to assets | 0.5108% | 4,490 |
| Return on assets (ROA) | 0.5569% | 4,396 |
| Pretax return on assets | 0.6615% | 4,393 |
| Return on Equity (ROE) | 6.5586% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.5586% | 2,222 |
| Net charge-offs to loans | 0.2001% | 703 |
| Credit loss provision to net charge-offs | 107.9646% | 1,509 |
| Earnings coverage of net charge-offs (x) | 7.0354% | 2,158 |
| Efficiency ratio | 78.2251% | 1,241 |
| Assets per employee ($millions) | 5.4825% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,788 |
| Loan loss allowance to noncurrent loans | 1,382.3171% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 4,635 |
| Noncurrent loans to loans | 0.0714% | 4,440 |
| Net loans and leases to total assets | 50.5713% | 4,430 |
| Net loans and leases to deposits | 65.4866% | 4,096 |
| Net loans and leases to core deposits | 67.0176% | 4,231 |
| Total domestic deposits to total assets | 77.2239% | 4,629 |
| Equity capital to assets | 8.8328% | 4,800 |
| Core capital (leverage) ratio | 9.1020% | 4,570 |
| Tier 1 risk-based capital ratio | 13.6135% | 3,548 |
| Total risk-based capital ratio | 14.3757% | 3,725 |
| Memoranda: | ||
| Average total assets | $443,862,500 | 1,587 |
| Average earning assets | $414,599,000 | 1,576 |
| Average equity | $37,691,000 | 2,030 |
| Average total loans | $225,847,000 | 2,020 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7585% | 4,575 |
| Cost of funding earning assets | 0.8489% | 1,308 |
| Net interest margin | 2.9096% | 4,906 |
| Noninterest income to average assets | 0.6053% | 2,264 |
| Noninterest expense to average assets | 2.5142% | 3,569 |
| Loan and lease loss provision to assets | 0.0795% | 2,537 |
| Net operating income to assets | 0.6118% | 4,378 |
| Return on assets (ROA) | 0.6553% | 4,274 |
| Pretax return on assets | 0.7752% | 4,232 |
| Return on Equity (ROE) | 7.8554% | 3,503 |
| Retained earnings to average equity (ytd only) | 4.1208% | 3,291 |
| Net charge-offs to loans | 0.1664% | 1,157 |
| Credit loss provision to net charge-offs | 97.7208% | 2,597 |
| Earnings coverage of net charge-offs (x) | 9.8746% | 2,775 |
| Efficiency ratio | 75.7826% | 1,396 |
| Assets per employee ($millions) | 5.4094% | 2,053 |
| Cash dividends to net income (ytd only)* | 47.5416% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 3,580 |
| Loan loss allowance to noncurrent loans | 765.4237% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,453 |
| Noncurrent loans to loans | 0.1328% | 4,144 |
| Net loans and leases to total assets | 50.1684% | 4,505 |
| Net loans and leases to deposits | 66.6925% | 4,066 |
| Net loans and leases to core deposits | 68.8619% | 4,181 |
| Total domestic deposits to total assets | 75.2235% | 4,846 |
| Equity capital to assets | 8.1415% | 5,113 |
| Core capital (leverage) ratio | 8.8807% | 4,751 |
| Tier 1 risk-based capital ratio | 13.7332% | 3,419 |
| Total risk-based capital ratio | 14.5109% | 3,570 |
| Memoranda: | ||
| Average total assets | $431,387,200 | 1,589 |
| Average earning assets | $402,151,800 | 1,580 |
| Average equity | $35,988,200 | 2,035 |
| Average total loans | $210,948,600 | 2,089 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 4,691 |
| Cost of funding earning assets | 0.7856% | 1,405 |
| Net interest margin | 2.8914% | 4,985 |
| Noninterest income to average assets | 0.6162% | 2,232 |
| Noninterest expense to average assets | 2.5363% | 3,486 |
| Loan and lease loss provision to assets | 0.0385% | 3,232 |
| Net operating income to assets | 0.6191% | 4,448 |
| Return on assets (ROA) | 0.6767% | 4,310 |
| Pretax return on assets | 0.8064% | 4,272 |
| Return on Equity (ROE) | 8.0626% | 3,521 |
| Retained earnings to average equity (ytd only) | 5.5747% | 2,908 |
| Net charge-offs to loans | 0.1934% | 864 |
| Credit loss provision to net charge-offs | 41.0596% | 2,898 |
| Earnings coverage of net charge-offs (x) | 8.2847% | 2,725 |
| Efficiency ratio | 76.5643% | 1,283 |
| Assets per employee ($millions) | 5.5812% | 1,845 |
| Cash dividends to net income (ytd only)* | 30.8573% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 4,106 |
| Loan loss allowance to noncurrent loans | 936.3229% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 4,633 |
| Noncurrent loans to loans | 0.1001% | 4,437 |
| Net loans and leases to total assets | 49.4303% | 4,637 |
| Net loans and leases to deposits | 65.1422% | 4,263 |
| Net loans and leases to core deposits | 66.7458% | 4,369 |
| Total domestic deposits to total assets | 75.8807% | 4,803 |
| Equity capital to assets | 7.8689% | 5,217 |
| Core capital (leverage) ratio | 8.9103% | 4,792 |
| Tier 1 risk-based capital ratio | 13.6219% | 3,563 |
| Total risk-based capital ratio | 14.3347% | 3,772 |
| Memoranda: | ||
| Average total assets | $429,693,500 | 1,608 |
| Average earning assets | $400,716,250 | 1,593 |
| Average equity | $36,067,000 | 2,031 |
| Average total loans | $208,166,500 | 2,117 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,793 |
| Cost of funding earning assets | 0.7125% | 1,559 |
| Net interest margin | 2.8685% | 5,056 |
| Noninterest income to average assets | 0.6140% | 2,250 |
| Noninterest expense to average assets | 2.5476% | 3,490 |
| Loan and lease loss provision to assets | 0.0311% | 3,289 |
| Net operating income to assets | 0.5987% | 4,497 |
| Return on assets (ROA) | 0.6890% | 4,228 |
| Pretax return on assets | 0.8201% | 4,190 |
| Return on Equity (ROE) | 8.0323% | 3,494 |
| Retained earnings to average equity (ytd only) | 4.3323% | 3,433 |
| Net charge-offs to loans | 0.1732% | 896 |
| Credit loss provision to net charge-offs | 37.5000% | 2,580 |
| Earnings coverage of net charge-offs (x) | 8.9602% | 2,430 |
| Efficiency ratio | 77.4036% | 1,259 |
| Assets per employee ($millions) | 5.3701% | 2,023 |
| Cash dividends to net income (ytd only)* | 46.0643% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,646 |
| Loan loss allowance to noncurrent loans | 509.6927% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.0972% | 4,520 |
| Noncurrent loans to loans | 0.2021% | 3,996 |
| Net loans and leases to total assets | 47.6194% | 4,742 |
| Net loans and leases to deposits | 63.8175% | 4,288 |
| Net loans and leases to core deposits | 67.0830% | 4,308 |
| Total domestic deposits to total assets | 74.6181% | 4,987 |
| Equity capital to assets | 8.1630% | 5,160 |
| Core capital (leverage) ratio | 9.0561% | 4,638 |
| Tier 1 risk-based capital ratio | 14.6028% | 3,067 |
| Total risk-based capital ratio | 15.4064% | 3,200 |
| Memoranda: | ||
| Average total assets | $424,093,670 | 1,627 |
| Average earning assets | $395,813,000 | 1,621 |
| Average equity | $36,378,000 | 2,018 |
| Average total loans | $203,291,670 | 2,158 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 4,838 |
| Cost of funding earning assets | 0.6421% | 1,765 |
| Net interest margin | 2.8821% | 5,059 |
| Noninterest income to average assets | 0.5255% | 2,656 |
| Noninterest expense to average assets | 2.5864% | 3,374 |
| Loan and lease loss provision to assets | 0.0315% | 3,094 |
| Net operating income to assets | 0.5016% | 4,688 |
| Return on assets (ROA) | 0.7070% | 4,081 |
| Pretax return on assets | 0.8456% | 4,030 |
| Return on Equity (ROE) | 8.0405% | 3,346 |
| Retained earnings to average equity (ytd only) | 8.0405% | 1,817 |
| Net charge-offs to loans | 0.2396% | 638 |
| Credit loss provision to net charge-offs | 27.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 5.5167% | 2,229 |
| Efficiency ratio | 80.3503% | 1,101 |
| Assets per employee ($millions) | 5.2178% | 2,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,460 |
| Loan loss allowance to noncurrent loans | 656.3253% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 4,592 |
| Noncurrent loans to loans | 0.1659% | 4,231 |
| Net loans and leases to total assets | 47.4269% | 4,726 |
| Net loans and leases to deposits | 60.6691% | 4,426 |
| Net loans and leases to core deposits | 66.6281% | 4,275 |
| Total domestic deposits to total assets | 78.1731% | 4,706 |
| Equity capital to assets | 8.6107% | 4,892 |
| Core capital (leverage) ratio | 9.3228% | 4,289 |
| Tier 1 risk-based capital ratio | 15.6382% | 2,615 |
| Total risk-based capital ratio | 16.5091% | 2,700 |
| Memoranda: | ||
| Average total assets | $418,652,500 | 1,656 |
| Average earning assets | $391,240,000 | 1,645 |
| Average equity | $36,813,500 | 2,008 |
| Average total loans | $200,293,000 | 2,196 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 4,779 |
| Cost of funding earning assets | 0.5357% | 2,067 |
| Net interest margin | 2.9694% | 4,950 |
| Noninterest income to average assets | 0.6041% | 2,427 |
| Noninterest expense to average assets | 2.5435% | 3,627 |
| Loan and lease loss provision to assets | 0.0333% | 3,597 |
| Net operating income to assets | 0.5978% | 4,019 |
| Return on assets (ROA) | 0.6856% | 3,709 |
| Pretax return on assets | 0.9240% | 3,829 |
| Return on Equity (ROE) | 7.5226% | 3,024 |
| Retained earnings to average equity (ytd only) | 3.9411% | 2,838 |
| Net charge-offs to loans | 0.0969% | 2,112 |
| Credit loss provision to net charge-offs | 75.6906% | 3,004 |
| Earnings coverage of net charge-offs (x) | 19.0884% | 2,039 |
| Efficiency ratio | 75.2063% | 1,731 |
| Assets per employee ($millions) | 5.1838% | 2,271 |
| Cash dividends to net income (ytd only)* | 47.6106% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,187 |
| Loan loss allowance to noncurrent loans | 597.8892% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 4,620 |
| Noncurrent loans to loans | 0.1891% | 4,160 |
| Net loans and leases to total assets | 47.1966% | 4,817 |
| Net loans and leases to deposits | 60.1221% | 4,559 |
| Net loans and leases to core deposits | 66.2159% | 4,400 |
| Total domestic deposits to total assets | 78.5012% | 4,640 |
| Equity capital to assets | 8.9749% | 4,747 |
| Core capital (leverage) ratio | 9.0954% | 4,528 |
| Tier 1 risk-based capital ratio | 15.5448% | 2,610 |
| Total risk-based capital ratio | 16.4624% | 2,673 |
| Memoranda: | ||
| Average total assets | $412,029,800 | 1,658 |
| Average earning assets | $385,465,600 | 1,647 |
| Average equity | $37,553,400 | 1,949 |
| Average total loans | $186,821,600 | 2,270 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 4,848 |
| Cost of funding earning assets | 0.5139% | 2,160 |
| Net interest margin | 2.9619% | 5,004 |
| Noninterest income to average assets | 0.6178% | 2,377 |
| Noninterest expense to average assets | 2.5813% | 3,464 |
| Loan and lease loss provision to assets | 0.0442% | 3,216 |
| Net operating income to assets | 0.5978% | 4,403 |
| Return on assets (ROA) | 0.6997% | 4,043 |
| Pretax return on assets | 0.8948% | 4,059 |
| Return on Equity (ROE) | 7.6471% | 3,318 |
| Retained earnings to average equity (ytd only) | 5.2556% | 2,712 |
| Net charge-offs to loans | 0.0523% | 2,393 |
| Credit loss provision to net charge-offs | 188.8889% | 1,406 |
| Earnings coverage of net charge-offs (x) | 34.5269% | 1,434 |
| Efficiency ratio | 76.1535% | 1,566 |
| Assets per employee ($millions) | 5.3491% | 2,069 |
| Cash dividends to net income (ytd only)* | 31.2732% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2118% | 2,860 |
| Loan loss allowance to noncurrent loans | 561.2293% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,553 |
| Noncurrent loans to loans | 0.2159% | 4,199 |
| Net loans and leases to total assets | 45.2246% | 4,980 |
| Net loans and leases to deposits | 56.7571% | 4,824 |
| Net loans and leases to core deposits | 62.4250% | 4,688 |
| Total domestic deposits to total assets | 79.6810% | 4,398 |
| Equity capital to assets | 9.1236% | 4,805 |
| Core capital (leverage) ratio | 9.0003% | 4,736 |
| Tier 1 risk-based capital ratio | 15.6704% | 2,643 |
| Total risk-based capital ratio | 16.6424% | 2,697 |
| Memoranda: | ||
| Average total assets | $410,066,250 | 1,682 |
| Average earning assets | $383,749,000 | 1,664 |
| Average equity | $37,520,750 | 1,960 |
| Average total loans | $183,417,750 | 2,305 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4511% | 4,875 |
| Cost of funding earning assets | 0.4733% | 2,388 |
| Net interest margin | 2.9777% | 4,959 |
| Noninterest income to average assets | 0.6127% | 2,396 |
| Noninterest expense to average assets | 2.6334% | 3,328 |
| Loan and lease loss provision to assets | 0.0658% | 2,656 |
| Net operating income to assets | 0.5515% | 4,515 |
| Return on assets (ROA) | 0.6622% | 4,075 |
| Pretax return on assets | 0.8369% | 4,136 |
| Return on Equity (ROE) | 7.2298% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.5933% | 3,568 |
| Net charge-offs to loans | 0.0591% | 2,088 |
| Credit loss provision to net charge-offs | 250.9434% | 1,070 |
| Earnings coverage of net charge-offs (x) | 29.0755% | 1,483 |
| Efficiency ratio | 77.5430% | 1,526 |
| Assets per employee ($millions) | 5.1692% | 2,186 |
| Cash dividends to net income (ytd only)* | 50.2990% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,791 |
| Loan loss allowance to noncurrent loans | 719.8795% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,681 |
| Noncurrent loans to loans | 0.1716% | 4,434 |
| Net loans and leases to total assets | 45.0806% | 4,986 |
| Net loans and leases to deposits | 57.4166% | 4,773 |
| Net loans and leases to core deposits | 64.5345% | 4,567 |
| Total domestic deposits to total assets | 78.5149% | 4,727 |
| Equity capital to assets | 9.0467% | 4,857 |
| Core capital (leverage) ratio | 9.1185% | 4,592 |
| Tier 1 risk-based capital ratio | 15.4268% | 2,735 |
| Total risk-based capital ratio | 16.4111% | 2,792 |
| Memoranda: | ||
| Average total assets | $404,113,670 | 1,702 |
| Average earning assets | $377,736,330 | 1,693 |
| Average equity | $37,013,670 | 1,978 |
| Average total loans | $179,256,670 | 2,348 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4017% | 4,919 |
| Cost of funding earning assets | 0.4350% | 2,662 |
| Net interest margin | 2.9667% | 4,965 |
| Noninterest income to average assets | 0.6230% | 2,305 |
| Noninterest expense to average assets | 2.7486% | 2,956 |
| Loan and lease loss provision to assets | 0.0791% | 2,227 |
| Net operating income to assets | 0.4441% | 4,801 |
| Return on assets (ROA) | 0.6149% | 4,146 |
| Pretax return on assets | 0.7792% | 4,187 |
| Return on Equity (ROE) | 6.6691% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.6691% | 1,994 |
| Net charge-offs to loans | 0.0976% | 1,387 |
| Credit loss provision to net charge-offs | 185.7143% | 1,069 |
| Earnings coverage of net charge-offs (x) | 15.0714% | 1,692 |
| Efficiency ratio | 81.0592% | 1,253 |
| Assets per employee ($millions) | 4.8175% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 2,333 |
| Loan loss allowance to noncurrent loans | 695.8457% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.1363% | 4,716 |
| Noncurrent loans to loans | 0.1928% | 4,432 |
| Net loans and leases to total assets | 43.1291% | 5,092 |
| Net loans and leases to deposits | 53.6153% | 4,958 |
| Net loans and leases to core deposits | 61.0150% | 4,719 |
| Total domestic deposits to total assets | 80.4419% | 4,539 |
| Equity capital to assets | 9.2604% | 4,554 |
| Core capital (leverage) ratio | 9.5286% | 4,088 |
| Tier 1 risk-based capital ratio | 15.8863% | 2,595 |
| Total risk-based capital ratio | 16.8787% | 2,639 |
| Memoranda: | ||
| Average total assets | $394,232,500 | 1,759 |
| Average earning assets | $367,814,000 | 1,744 |
| Average equity | $36,347,000 | 2,013 |
| Average total loans | $172,147,000 | 2,438 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4143% | 4,950 |
| Cost of funding earning assets | 0.4225% | 2,781 |
| Net interest margin | 2.9919% | 4,973 |
| Noninterest income to average assets | 0.7827% | 1,817 |
| Noninterest expense to average assets | 2.7622% | 3,150 |
| Loan and lease loss provision to assets | 0.1396% | 1,786 |
| Net operating income to assets | 0.5255% | 4,528 |
| Return on assets (ROA) | 0.7225% | 3,793 |
| Pretax return on assets | 0.9181% | 3,779 |
| Return on Equity (ROE) | 7.3266% | 3,303 |
| Retained earnings to average equity (ytd only) | 3.9344% | 3,124 |
| Net charge-offs to loans | 0.0824% | 2,508 |
| Credit loss provision to net charge-offs | 430.4000% | 744 |
| Earnings coverage of net charge-offs (x) | 24.9200% | 1,609 |
| Efficiency ratio | 77.3603% | 1,794 |
| Assets per employee ($millions) | 4.6820% | 2,820 |
| Cash dividends to net income (ytd only)* | 46.3003% | 2,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 2,251 |
| Loan loss allowance to noncurrent loans | 636.3636% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 4,713 |
| Noncurrent loans to loans | 0.2142% | 4,385 |
| Net loans and leases to total assets | 43.0213% | 5,178 |
| Net loans and leases to deposits | 51.4762% | 5,146 |
| Net loans and leases to core deposits | 58.5617% | 4,925 |
| Total domestic deposits to total assets | 83.5750% | 3,576 |
| Equity capital to assets | 9.1778% | 4,605 |
| Core capital (leverage) ratio | 9.5141% | 4,064 |
| Tier 1 risk-based capital ratio | 15.8419% | 2,612 |
| Total risk-based capital ratio | 16.8405% | 2,644 |
| Memoranda: | ||
| Average total assets | $385,346,000 | 1,741 |
| Average earning assets | $359,074,400 | 1,728 |
| Average equity | $37,998,400 | 1,924 |
| Average total loans | $151,714,000 | 2,623 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 4,967 |
| Cost of funding earning assets | 0.4242% | 2,790 |
| Net interest margin | 3.0017% | 5,009 |
| Noninterest income to average assets | 0.8547% | 1,564 |
| Noninterest expense to average assets | 2.7728% | 3,106 |
| Loan and lease loss provision to assets | 0.1179% | 1,964 |
| Net operating income to assets | 0.5839% | 4,355 |
| Return on assets (ROA) | 0.8405% | 3,312 |
| Pretax return on assets | 1.0943% | 3,255 |
| Return on Equity (ROE) | 8.3769% | 2,818 |
| Retained earnings to average equity (ytd only) | 6.1513% | 2,090 |
| Net charge-offs to loans | 0.0960% | 1,989 |
| Credit loss provision to net charge-offs | 320.7547% | 983 |
| Earnings coverage of net charge-offs (x) | 23.9151% | 1,699 |
| Efficiency ratio | 75.9305% | 1,981 |
| Assets per employee ($millions) | 4.6992% | 2,750 |
| Cash dividends to net income (ytd only)* | 26.5678% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 2,487 |
| Loan loss allowance to noncurrent loans | 455.1282% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 4,748 |
| Noncurrent loans to loans | 0.2944% | 4,200 |
| Net loans and leases to total assets | 39.7287% | 5,392 |
| Net loans and leases to deposits | 49.1286% | 5,339 |
| Net loans and leases to core deposits | 55.8450% | 5,154 |
| Total domestic deposits to total assets | 80.8667% | 4,281 |
| Equity capital to assets | 10.4573% | 3,609 |
| Core capital (leverage) ratio | 9.6021% | 4,058 |
| Tier 1 risk-based capital ratio | 16.7421% | 2,323 |
| Total risk-based capital ratio | 17.7010% | 2,389 |
| Memoranda: | ||
| Average total assets | $384,530,000 | 1,741 |
| Average earning assets | $358,317,250 | 1,733 |
| Average equity | $38,581,500 | 1,907 |
| Average total loans | $147,268,750 | 2,682 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4456% | 4,988 |
| Cost of funding earning assets | 0.4241% | 2,790 |
| Net interest margin | 3.0215% | 5,035 |
| Noninterest income to average assets | 0.6439% | 2,401 |
| Noninterest expense to average assets | 2.7917% | 3,055 |
| Loan and lease loss provision to assets | 0.0908% | 2,333 |
| Net operating income to assets | 0.4548% | 4,851 |
| Return on assets (ROA) | 0.7394% | 3,771 |
| Pretax return on assets | 0.9288% | 3,839 |
| Return on Equity (ROE) | 7.4782% | 3,275 |
| Retained earnings to average equity (ytd only) | 4.0602% | 3,321 |
| Net charge-offs to loans | 0.0921% | 1,922 |
| Credit loss provision to net charge-offs | 262.1212% | 1,065 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,790 |
| Efficiency ratio | 80.7897% | 1,401 |
| Assets per employee ($millions) | 4.6727% | 2,763 |
| Cash dividends to net income (ytd only)* | 45.7062% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,353 |
| Loan loss allowance to noncurrent loans | 386.8726% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 4,502 |
| Noncurrent loans to loans | 0.3584% | 4,083 |
| Net loans and leases to total assets | 36.7485% | 5,573 |
| Net loans and leases to deposits | 46.3858% | 5,488 |
| Net loans and leases to core deposits | 53.9216% | 5,280 |
| Total domestic deposits to total assets | 79.2237% | 4,726 |
| Equity capital to assets | 10.4580% | 3,683 |
| Core capital (leverage) ratio | 9.4251% | 4,302 |
| Tier 1 risk-based capital ratio | 16.5099% | 2,422 |
| Total risk-based capital ratio | 17.4315% | 2,504 |
| Memoranda: | ||
| Average total assets | $381,130,000 | 1,757 |
| Average earning assets | $354,656,670 | 1,753 |
| Average equity | $37,682,670 | 1,955 |
| Average total loans | $143,374,670 | 2,729 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 4,928 |
| Cost of funding earning assets | 0.4275% | 2,790 |
| Net interest margin | 3.0550% | 4,985 |
| Noninterest income to average assets | 0.6745% | 2,152 |
| Noninterest expense to average assets | 2.8715% | 2,803 |
| Loan and lease loss provision to assets | 0.1006% | 2,017 |
| Net operating income to assets | 0.4624% | 4,772 |
| Return on assets (ROA) | 0.5929% | 4,324 |
| Pretax return on assets | 0.6935% | 4,547 |
| Return on Equity (ROE) | 6.1803% | 3,889 |
| Retained earnings to average equity (ytd only) | 6.1803% | 2,291 |
| Net charge-offs to loans | 0.1485% | 1,221 |
| Credit loss provision to net charge-offs | 179.2453% | 1,154 |
| Earnings coverage of net charge-offs (x) | 11.4151% | 1,862 |
| Efficiency ratio | 81.7606% | 1,391 |
| Assets per employee ($millions) | 4.5069% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3714% | 2,554 |
| Loan loss allowance to noncurrent loans | 347.0483% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 4,451 |
| Noncurrent loans to loans | 0.3951% | 4,018 |
| Net loans and leases to total assets | 36.8552% | 5,600 |
| Net loans and leases to deposits | 45.9163% | 5,506 |
| Net loans and leases to core deposits | 54.4734% | 5,219 |
| Total domestic deposits to total assets | 80.2659% | 4,691 |
| Equity capital to assets | 9.9258% | 4,179 |
| Core capital (leverage) ratio | 9.5070% | 4,183 |
| Tier 1 risk-based capital ratio | 17.4433% | 2,141 |
| Total risk-based capital ratio | 18.3907% | 2,205 |
| Memoranda: | ||
| Average total assets | $377,777,000 | 1,772 |
| Average earning assets | $350,902,000 | 1,774 |
| Average equity | $36,244,000 | 2,024 |
| Average total loans | $142,798,000 | 2,739 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 4,852 |
| Cost of funding earning assets | 0.4020% | 3,132 |
| Net interest margin | 3.1239% | 4,847 |
| Noninterest income to average assets | 0.6209% | 2,613 |
| Noninterest expense to average assets | 2.7481% | 3,419 |
| Loan and lease loss provision to assets | 0.1663% | 1,383 |
| Net operating income to assets | 0.5373% | 4,551 |
| Return on assets (ROA) | 0.7078% | 3,884 |
| Pretax return on assets | 0.7988% | 4,190 |
| Return on Equity (ROE) | 7.3134% | 3,355 |
| Retained earnings to average equity (ytd only) | 2.7485% | 4,116 |
| Net charge-offs to loans | 0.3907% | 733 |
| Credit loss provision to net charge-offs | 113.1238% | 2,246 |
| Earnings coverage of net charge-offs (x) | 5.2625% | 3,418 |
| Efficiency ratio | 78.0341% | 1,962 |
| Assets per employee ($millions) | 4.5419% | 2,978 |
| Cash dividends to net income (ytd only)* | 62.4184% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,810 |
| Loan loss allowance to noncurrent loans | 431.1364% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2122% | 4,756 |
| Noncurrent loans to loans | 0.3053% | 4,365 |
| Net loans and leases to total assets | 37.7301% | 5,637 |
| Net loans and leases to deposits | 46.8666% | 5,524 |
| Net loans and leases to core deposits | 59.6545% | 5,003 |
| Total domestic deposits to total assets | 80.5053% | 4,607 |
| Equity capital to assets | 9.2608% | 4,833 |
| Core capital (leverage) ratio | 9.2368% | 4,566 |
| Tier 1 risk-based capital ratio | 17.0173% | 2,272 |
| Total risk-based capital ratio | 17.9451% | 2,347 |
| Memoranda: | ||
| Average total assets | $368,038,000 | 1,784 |
| Average earning assets | $341,751,400 | 1,775 |
| Average equity | $35,619,400 | 2,000 |
| Average total loans | $138,458,800 | 2,745 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5000% | 4,982 |
| Cost of funding earning assets | 0.3946% | 3,275 |
| Net interest margin | 3.1055% | 4,950 |
| Noninterest income to average assets | 0.6721% | 2,376 |
| Noninterest expense to average assets | 2.7103% | 3,523 |
| Loan and lease loss provision to assets | 0.1713% | 1,234 |
| Net operating income to assets | 0.5786% | 4,486 |
| Return on assets (ROA) | 0.7293% | 3,877 |
| Pretax return on assets | 0.8518% | 4,166 |
| Return on Equity (ROE) | 7.4530% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.0544% | 2,872 |
| Net charge-offs to loans | 0.2053% | 1,261 |
| Credit loss provision to net charge-offs | 222.7488% | 1,233 |
| Earnings coverage of net charge-offs (x) | 11.0236% | 2,539 |
| Efficiency ratio | 76.1729% | 2,221 |
| Assets per employee ($millions) | 4.5567% | 2,908 |
| Cash dividends to net income (ytd only)* | 32.1841% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 2,171 |
| Loan loss allowance to noncurrent loans | 205.4187% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 4,263 |
| Noncurrent loans to loans | 0.7286% | 3,150 |
| Net loans and leases to total assets | 36.7244% | 5,763 |
| Net loans and leases to deposits | 44.9827% | 5,688 |
| Net loans and leases to core deposits | 50.9131% | 5,546 |
| Total domestic deposits to total assets | 81.6412% | 4,279 |
| Equity capital to assets | 9.7200% | 4,493 |
| Core capital (leverage) ratio | 9.3973% | 4,446 |
| Tier 1 risk-based capital ratio | 16.1667% | 2,727 |
| Total risk-based capital ratio | 17.1251% | 2,796 |
| Memoranda: | ||
| Average total assets | $365,803,750 | 1,805 |
| Average earning assets | $339,950,000 | 1,801 |
| Average equity | $35,796,500 | 2,001 |
| Average total loans | $137,041,000 | 2,782 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4979% | 4,986 |
| Cost of funding earning assets | 0.3831% | 3,448 |
| Net interest margin | 3.1148% | 4,931 |
| Noninterest income to average assets | 0.6702% | 2,355 |
| Noninterest expense to average assets | 2.7457% | 3,427 |
| Loan and lease loss provision to assets | 0.1399% | 1,557 |
| Net operating income to assets | 0.5751% | 4,448 |
| Return on assets (ROA) | 0.7759% | 3,615 |
| Pretax return on assets | 0.9136% | 3,904 |
| Return on Equity (ROE) | 7.9108% | 3,106 |
| Retained earnings to average equity (ytd only) | 4.2951% | 3,290 |
| Net charge-offs to loans | 0.2891% | 904 |
| Credit loss provision to net charge-offs | 128.9340% | 1,707 |
| Earnings coverage of net charge-offs (x) | 7.5330% | 2,659 |
| Efficiency ratio | 77.0634% | 2,191 |
| Assets per employee ($millions) | 4.6105% | 2,815 |
| Cash dividends to net income (ytd only)* | 45.7062% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3413% | 3,028 |
| Loan loss allowance to noncurrent loans | 132.0477% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5283% | 3,849 |
| Noncurrent loans to loans | 1.0158% | 2,613 |
| Net loans and leases to total assets | 37.0874% | 5,773 |
| Net loans and leases to deposits | 45.1888% | 5,713 |
| Net loans and leases to core deposits | 54.2135% | 5,408 |
| Total domestic deposits to total assets | 82.0719% | 4,278 |
| Equity capital to assets | 9.2556% | 4,948 |
| Core capital (leverage) ratio | 9.1332% | 4,771 |
| Tier 1 risk-based capital ratio | 16.9522% | 2,426 |
| Total risk-based capital ratio | 17.8753% | 2,506 |
| Memoranda: | ||
| Average total assets | $363,188,000 | 1,822 |
| Average earning assets | $337,291,670 | 1,821 |
| Average equity | $35,622,330 | 2,017 |
| Average total loans | $136,286,000 | 2,807 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 5,121 |
| Cost of funding earning assets | 0.3590% | 3,762 |
| Net interest margin | 3.0794% | 5,007 |
| Noninterest income to average assets | 0.6714% | 2,300 |
| Noninterest expense to average assets | 2.8118% | 3,210 |
| Loan and lease loss provision to assets | 0.0570% | 2,791 |
| Net operating income to assets | 0.5556% | 4,459 |
| Return on assets (ROA) | 0.8390% | 3,192 |
| Pretax return on assets | 0.9954% | 3,529 |
| Return on Equity (ROE) | 8.3095% | 2,804 |
| Retained earnings to average equity (ytd only) | 8.3095% | 1,452 |
| Net charge-offs to loans | 0.2622% | 917 |
| Credit loss provision to net charge-offs | 57.9545% | 2,025 |
| Earnings coverage of net charge-offs (x) | 7.2727% | 2,186 |
| Efficiency ratio | 79.7276% | 1,929 |
| Assets per employee ($millions) | 4.5579% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 3,274 |
| Loan loss allowance to noncurrent loans | 127.1307% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 4,021 |
| Noncurrent loans to loans | 1.0424% | 2,677 |
| Net loans and leases to total assets | 35.6617% | 5,841 |
| Net loans and leases to deposits | 42.9214% | 5,803 |
| Net loans and leases to core deposits | 53.0728% | 5,421 |
| Total domestic deposits to total assets | 83.0862% | 4,156 |
| Equity capital to assets | 9.8698% | 4,300 |
| Core capital (leverage) ratio | 9.7003% | 4,011 |
| Tier 1 risk-based capital ratio | 16.1255% | 2,864 |
| Total risk-based capital ratio | 16.9763% | 2,984 |
| Memoranda: | ||
| Average total assets | $358,058,000 | 1,854 |
| Average earning assets | $332,011,500 | 1,852 |
| Average equity | $36,151,500 | 2,000 |
| Average total loans | $134,236,500 | 2,842 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 5,242 |
| Cost of funding earning assets | 0.3357% | 4,423 |
| Net interest margin | 3.1982% | 4,923 |
| Noninterest income to average assets | 0.7465% | 2,088 |
| Noninterest expense to average assets | 2.8287% | 3,385 |
| Loan and lease loss provision to assets | 0.1095% | 2,336 |
| Net operating income to assets | 0.6442% | 4,174 |
| Return on assets (ROA) | 0.9277% | 2,830 |
| Pretax return on assets | 1.0837% | 3,153 |
| Return on Equity (ROE) | 9.0569% | 2,558 |
| Retained earnings to average equity (ytd only) | 4.3952% | 3,053 |
| Net charge-offs to loans | 0.7015% | 528 |
| Credit loss provision to net charge-offs | 38.9541% | 3,694 |
| Earnings coverage of net charge-offs (x) | 3.0726% | 3,983 |
| Efficiency ratio | 76.6125% | 2,423 |
| Assets per employee ($millions) | 4.2268% | 3,485 |
| Cash dividends to net income (ytd only)* | 51.4711% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 3,094 |
| Loan loss allowance to noncurrent loans | 102.2396% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 3,692 |
| Noncurrent loans to loans | 1.3389% | 2,194 |
| Net loans and leases to total assets | 38.4300% | 5,827 |
| Net loans and leases to deposits | 49.0022% | 5,634 |
| Net loans and leases to core deposits | 53.2527% | 5,547 |
| Total domestic deposits to total assets | 78.4250% | 5,362 |
| Equity capital to assets | 10.3441% | 3,671 |
| Core capital (leverage) ratio | 9.9221% | 3,686 |
| Tier 1 risk-based capital ratio | 18.0015% | 2,141 |
| Total risk-based capital ratio | 18.9572% | 2,206 |
| Memoranda: | ||
| Average total assets | $333,403,800 | 1,944 |
| Average earning assets | $307,082,400 | 1,953 |
| Average equity | $34,150,600 | 2,039 |
| Average total loans | $133,565,600 | 2,795 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 5,334 |
| Cost of funding earning assets | 0.3233% | 4,637 |
| Net interest margin | 3.2020% | 4,964 |
| Noninterest income to average assets | 0.7569% | 2,065 |
| Noninterest expense to average assets | 2.7990% | 3,461 |
| Loan and lease loss provision to assets | 0.0954% | 2,460 |
| Net operating income to assets | 0.6849% | 4,017 |
| Return on assets (ROA) | 1.0158% | 2,441 |
| Pretax return on assets | 1.1990% | 2,780 |
| Return on Equity (ROE) | 9.9423% | 2,248 |
| Retained earnings to average equity (ytd only) | 7.5306% | 1,570 |
| Net charge-offs to loans | 0.3423% | 1,169 |
| Credit loss provision to net charge-offs | 69.0962% | 2,781 |
| Earnings coverage of net charge-offs (x) | 6.5540% | 3,064 |
| Efficiency ratio | 75.5652% | 2,565 |
| Assets per employee ($millions) | 4.2327% | 3,414 |
| Cash dividends to net income (ytd only)* | 24.2568% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7766% | 1,745 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 3,699 |
| Noncurrent loans to loans | 1.7766% | 1,827 |
| Net loans and leases to total assets | 36.5088% | 6,012 |
| Net loans and leases to deposits | 45.8489% | 5,872 |
| Net loans and leases to core deposits | 47.9670% | 5,882 |
| Total domestic deposits to total assets | 79.6284% | 5,193 |
| Equity capital to assets | 10.2316% | 3,889 |
| Core capital (leverage) ratio | 10.1951% | 3,420 |
| Tier 1 risk-based capital ratio | 18.9036% | 1,928 |
| Total risk-based capital ratio | 20.1485% | 1,902 |
| Memoranda: | ||
| Average total assets | $331,162,750 | 1,972 |
| Average earning assets | $304,802,500 | 1,986 |
| Average equity | $33,834,500 | 2,062 |
| Average total loans | $133,607,500 | 2,811 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 5,355 |
| Cost of funding earning assets | 0.3217% | 4,737 |
| Net interest margin | 3.2043% | 4,932 |
| Noninterest income to average assets | 0.7402% | 2,092 |
| Noninterest expense to average assets | 2.8123% | 3,454 |
| Loan and lease loss provision to assets | 0.0976% | 2,403 |
| Net operating income to assets | 0.6443% | 4,128 |
| Return on assets (ROA) | 1.0753% | 2,098 |
| Pretax return on assets | 1.2963% | 2,264 |
| Return on Equity (ROE) | 10.5303% | 1,927 |
| Retained earnings to average equity (ytd only) | 6.8519% | 1,839 |
| Net charge-offs to loans | 0.5047% | 805 |
| Credit loss provision to net charge-offs | 46.6276% | 2,841 |
| Earnings coverage of net charge-offs (x) | 4.1789% | 3,163 |
| Efficiency ratio | 76.2777% | 2,570 |
| Assets per employee ($millions) | 4.1444% | 3,556 |
| Cash dividends to net income (ytd only)* | 34.9315% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 2,168 |
| Loan loss allowance to noncurrent loans | 96.9379% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 3,791 |
| Noncurrent loans to loans | 1.7409% | 1,984 |
| Net loans and leases to total assets | 37.9865% | 5,957 |
| Net loans and leases to deposits | 49.4261% | 5,679 |
| Net loans and leases to core deposits | 51.4192% | 5,705 |
| Total domestic deposits to total assets | 76.8552% | 5,811 |
| Equity capital to assets | 10.2266% | 3,793 |
| Core capital (leverage) ratio | 10.3393% | 3,152 |
| Tier 1 risk-based capital ratio | 18.7066% | 2,000 |
| Total risk-based capital ratio | 19.9247% | 1,971 |
| Memoranda: | ||
| Average total assets | $325,856,670 | 2,003 |
| Average earning assets | $299,661,670 | 2,009 |
| Average equity | $33,275,330 | 2,081 |
| Average total loans | $135,141,000 | 2,794 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5412% | 5,326 |
| Cost of funding earning assets | 0.3228% | 4,823 |
| Net interest margin | 3.2184% | 4,869 |
| Noninterest income to average assets | 0.7376% | 2,001 |
| Noninterest expense to average assets | 2.8764% | 3,295 |
| Loan and lease loss provision to assets | 0.1004% | 2,249 |
| Net operating income to assets | 0.5821% | 4,281 |
| Return on assets (ROA) | 1.2168% | 1,496 |
| Pretax return on assets | 1.4865% | 1,465 |
| Return on Equity (ROE) | 11.9253% | 1,430 |
| Retained earnings to average equity (ytd only) | 11.9253% | 620 |
| Net charge-offs to loans | 0.1138% | 2,039 |
| Credit loss provision to net charge-offs | 205.1282% | 1,018 |
| Earnings coverage of net charge-offs (x) | 16.6154% | 1,501 |
| Efficiency ratio | 77.9667% | 2,478 |
| Assets per employee ($millions) | 4.0349% | 3,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8090% | 2,010 |
| Loan loss allowance to noncurrent loans | 95.2362% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7949% | 3,752 |
| Noncurrent loans to loans | 1.8994% | 1,996 |
| Net loans and leases to total assets | 41.0145% | 5,746 |
| Net loans and leases to deposits | 49.5846% | 5,624 |
| Net loans and leases to core deposits | 54.9576% | 5,438 |
| Total domestic deposits to total assets | 82.7162% | 4,709 |
| Equity capital to assets | 10.3601% | 3,383 |
| Core capital (leverage) ratio | 10.7489% | 2,658 |
| Tier 1 risk-based capital ratio | 17.6183% | 2,443 |
| Total risk-based capital ratio | 18.8686% | 2,408 |
| Memoranda: | ||
| Average total assets | $318,865,500 | 2,048 |
| Average earning assets | $292,440,000 | 2,063 |
| Average equity | $32,536,000 | 2,119 |
| Average total loans | $137,057,000 | 2,778 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,996 |
| Cost of funding earning assets | 0.3623% | 5,028 |
| Net interest margin | 3.3828% | 4,350 |
| Noninterest income to average assets | 0.9026% | 1,669 |
| Noninterest expense to average assets | 2.7581% | 3,880 |
| Loan and lease loss provision to assets | 0.1145% | 2,899 |
| Net operating income to assets | 0.9671% | 2,483 |
| Return on assets (ROA) | 1.0481% | 2,194 |
| Pretax return on assets | 1.2375% | 2,427 |
| Return on Equity (ROE) | 10.3140% | 1,987 |
| Retained earnings to average equity (ytd only) | 5.6116% | 2,207 |
| Net charge-offs to loans | 0.3179% | 2,097 |
| Credit loss provision to net charge-offs | 87.3810% | 2,835 |
| Earnings coverage of net charge-offs (x) | 9.5881% | 2,483 |
| Efficiency ratio | 68.6956% | 4,064 |
| Assets per employee ($millions) | 3.9866% | 3,890 |
| Cash dividends to net income (ytd only)* | 45.5926% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7224% | 2,327 |
| Loan loss allowance to noncurrent loans | 89.8839% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.8490% | 3,767 |
| Noncurrent loans to loans | 1.9162% | 2,100 |
| Net loans and leases to total assets | 43.4637% | 5,721 |
| Net loans and leases to deposits | 53.2887% | 5,529 |
| Net loans and leases to core deposits | 56.1128% | 5,526 |
| Total domestic deposits to total assets | 81.5627% | 5,018 |
| Equity capital to assets | 10.0434% | 3,704 |
| Core capital (leverage) ratio | 10.2853% | 3,169 |
| Tier 1 risk-based capital ratio | 15.8216% | 3,190 |
| Total risk-based capital ratio | 16.9758% | 3,194 |
| Memoranda: | ||
| Average total assets | $320,402,400 | 2,007 |
| Average earning assets | $294,789,400 | 2,010 |
| Average equity | $32,557,600 | 2,107 |
| Average total loans | $132,121,600 | 2,822 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,984 |
| Cost of funding earning assets | 0.3657% | 5,138 |
| Net interest margin | 3.3984% | 4,293 |
| Noninterest income to average assets | 0.9373% | 1,644 |
| Noninterest expense to average assets | 2.6565% | 4,173 |
| Loan and lease loss provision to assets | 0.1144% | 2,862 |
| Net operating income to assets | 1.0988% | 2,012 |
| Return on assets (ROA) | 1.1287% | 1,960 |
| Pretax return on assets | 1.3326% | 2,201 |
| Return on Equity (ROE) | 11.0765% | 1,789 |
| Retained earnings to average equity (ytd only) | 8.7100% | 1,151 |
| Net charge-offs to loans | 0.2670% | 2,213 |
| Credit loss provision to net charge-offs | 105.7471% | 2,211 |
| Earnings coverage of net charge-offs (x) | 13.0537% | 2,071 |
| Efficiency ratio | 65.2984% | 4,607 |
| Assets per employee ($millions) | 4.2327% | 3,359 |
| Cash dividends to net income (ytd only)* | 21.3656% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8784% | 2,067 |
| Loan loss allowance to noncurrent loans | 106.9354% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 4,311 |
| Noncurrent loans to loans | 1.7565% | 2,563 |
| Net loans and leases to total assets | 39.5410% | 6,065 |
| Net loans and leases to deposits | 48.2913% | 5,942 |
| Net loans and leases to core deposits | 50.4259% | 5,991 |
| Total domestic deposits to total assets | 81.8804% | 4,966 |
| Equity capital to assets | 9.9130% | 4,032 |
| Core capital (leverage) ratio | 10.1448% | 3,469 |
| Tier 1 risk-based capital ratio | 16.3103% | 3,028 |
| Total risk-based capital ratio | 17.5187% | 3,019 |
| Memoranda: | ||
| Average total assets | $321,767,250 | 2,005 |
| Average earning assets | $296,442,750 | 2,006 |
| Average equity | $32,789,250 | 2,113 |
| Average total loans | $130,330,750 | 2,872 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 4,936 |
| Cost of funding earning assets | 0.3701% | 5,228 |
| Net interest margin | 3.3980% | 4,191 |
| Noninterest income to average assets | 0.8140% | 2,130 |
| Noninterest expense to average assets | 2.6662% | 4,156 |
| Loan and lease loss provision to assets | 0.1149% | 2,894 |
| Net operating income to assets | 0.9380% | 2,626 |
| Return on assets (ROA) | 1.0069% | 2,438 |
| Pretax return on assets | 1.2541% | 2,470 |
| Return on Equity (ROE) | 9.7907% | 2,281 |
| Retained earnings to average equity (ytd only) | 6.2580% | 2,288 |
| Net charge-offs to loans | 0.0077% | 4,736 |
| Credit loss provision to net charge-offs | 3,680.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 411.0000% | 121 |
| Efficiency ratio | 67.5150% | 4,261 |
| Assets per employee ($millions) | 4.2991% | 3,175 |
| Cash dividends to net income (ytd only)* | 36.0818% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 1,800 |
| Loan loss allowance to noncurrent loans | 103.6235% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 4,256 |
| Noncurrent loans to loans | 1.9524% | 2,452 |
| Net loans and leases to total assets | 38.9964% | 6,110 |
| Net loans and leases to deposits | 46.5137% | 6,071 |
| Net loans and leases to core deposits | 51.7770% | 5,902 |
| Total domestic deposits to total assets | 83.8386% | 4,389 |
| Equity capital to assets | 9.3819% | 4,745 |
| Core capital (leverage) ratio | 9.7624% | 3,848 |
| Tier 1 risk-based capital ratio | 16.0012% | 3,196 |
| Total risk-based capital ratio | 17.2565% | 3,132 |
| Memoranda: | ||
| Average total assets | $320,384,000 | 2,018 |
| Average earning assets | $295,581,670 | 2,010 |
| Average equity | $32,949,670 | 2,112 |
| Average total loans | $129,995,000 | 2,875 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7125% | 5,123 |
| Cost of funding earning assets | 0.3707% | 5,361 |
| Net interest margin | 3.3418% | 4,345 |
| Noninterest income to average assets | 0.7730% | 2,240 |
| Noninterest expense to average assets | 2.6695% | 4,185 |
| Loan and lease loss provision to assets | 0.1160% | 2,784 |
| Net operating income to assets | 0.8631% | 2,846 |
| Return on assets (ROA) | 0.9357% | 2,637 |
| Pretax return on assets | 1.1576% | 2,736 |
| Return on Equity (ROE) | 8.7045% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.7045% | 1,489 |
| Net charge-offs to loans | -0.1262% | 6,535 |
| Credit loss provision to net charge-offs | -224.3902% | 5,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2736% | 4,096 |
| Assets per employee ($millions) | 4.2844% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 2,085 |
| Loan loss allowance to noncurrent loans | 84.5550% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9263% | 4,076 |
| Noncurrent loans to loans | 2.3487% | 2,220 |
| Net loans and leases to total assets | 38.6566% | 6,104 |
| Net loans and leases to deposits | 47.6089% | 5,951 |
| Net loans and leases to core deposits | 53.8336% | 5,678 |
| Total domestic deposits to total assets | 81.1961% | 5,452 |
| Equity capital to assets | 10.3665% | 3,712 |
| Core capital (leverage) ratio | 10.2913% | 3,023 |
| Tier 1 risk-based capital ratio | 15.9594% | 3,294 |
| Total risk-based capital ratio | 17.2147% | 3,249 |
| Memoranda: | ||
| Average total assets | $317,208,500 | 2,062 |
| Average earning assets | $292,419,500 | 2,064 |
| Average equity | $34,097,500 | 2,072 |
| Average total loans | $129,969,500 | 2,895 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 4,594 |
| Cost of funding earning assets | 0.6227% | 4,155 |
| Net interest margin | 3.5758% | 4,204 |
| Noninterest income to average assets | 0.8253% | 2,154 |
| Noninterest expense to average assets | 2.9459% | 3,481 |
| Loan and lease loss provision to assets | 0.2209% | 2,925 |
| Net operating income to assets | 0.7482% | 3,519 |
| Return on assets (ROA) | 1.0238% | 2,447 |
| Pretax return on assets | 1.2828% | 2,479 |
| Return on Equity (ROE) | 9.5974% | 2,360 |
| Retained earnings to average equity (ytd only) | 5.3599% | 2,462 |
| Net charge-offs to loans | 0.6385% | 1,835 |
| Credit loss provision to net charge-offs | 81.6568% | 3,775 |
| Earnings coverage of net charge-offs (x) | 4.2852% | 3,421 |
| Efficiency ratio | 71.7617% | 3,465 |
| Assets per employee ($millions) | 4.0068% | 3,932 |
| Cash dividends to net income (ytd only)* | 44.1526% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8887% | 2,326 |
| Loan loss allowance to noncurrent loans | 84.1455% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 4,113 |
| Noncurrent loans to loans | 2.2445% | 2,409 |
| Net loans and leases to total assets | 41.8285% | 6,024 |
| Net loans and leases to deposits | 52.1855% | 5,791 |
| Net loans and leases to core deposits | 52.9765% | 5,942 |
| Total domestic deposits to total assets | 80.1535% | 5,618 |
| Equity capital to assets | 11.1639% | 2,775 |
| Core capital (leverage) ratio | 10.1363% | 3,228 |
| Tier 1 risk-based capital ratio | 16.0802% | 3,117 |
| Total risk-based capital ratio | 17.3257% | 3,073 |
| Memoranda: | ||
| Average total assets | $312,369,200 | 2,054 |
| Average earning assets | $286,505,600 | 2,066 |
| Average equity | $33,321,600 | 2,071 |
| Average total loans | $132,347,600 | 2,836 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2567% | 4,620 |
| Cost of funding earning assets | 0.6711% | 4,010 |
| Net interest margin | 3.5856% | 4,292 |
| Noninterest income to average assets | 0.7885% | 2,287 |
| Noninterest expense to average assets | 2.8687% | 3,718 |
| Loan and lease loss provision to assets | 0.1947% | 3,143 |
| Net operating income to assets | 0.7990% | 3,461 |
| Return on assets (ROA) | 1.1550% | 2,080 |
| Pretax return on assets | 1.4723% | 1,991 |
| Return on Equity (ROE) | 10.9510% | 1,975 |
| Retained earnings to average equity (ytd only) | 8.7230% | 1,338 |
| Net charge-offs to loans | 0.5454% | 1,969 |
| Credit loss provision to net charge-offs | 84.3750% | 3,486 |
| Earnings coverage of net charge-offs (x) | 5.2463% | 3,069 |
| Efficiency ratio | 70.3234% | 3,629 |
| Assets per employee ($millions) | 4.0103% | 3,850 |
| Cash dividends to net income (ytd only)* | 20.3452% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8889% | 2,512 |
| Loan loss allowance to noncurrent loans | 80.2611% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 4,276 |
| Noncurrent loans to loans | 2.3535% | 2,450 |
| Net loans and leases to total assets | 41.8606% | 6,140 |
| Net loans and leases to deposits | 51.4952% | 6,009 |
| Net loans and leases to core deposits | 52.7439% | 6,131 |
| Total domestic deposits to total assets | 81.2903% | 5,270 |
| Equity capital to assets | 11.1579% | 3,084 |
| Core capital (leverage) ratio | 10.1858% | 3,302 |
| Tier 1 risk-based capital ratio | 15.9874% | 3,268 |
| Total risk-based capital ratio | 17.2329% | 3,240 |
| Memoranda: | ||
| Average total assets | $314,332,250 | 2,066 |
| Average earning assets | $288,478,500 | 2,073 |
| Average equity | $33,153,000 | 2,097 |
| Average total loans | $132,977,750 | 2,851 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 4,412 |
| Cost of funding earning assets | 0.7194% | 3,860 |
| Net interest margin | 3.6220% | 4,176 |
| Noninterest income to average assets | 0.7254% | 2,528 |
| Noninterest expense to average assets | 2.7087% | 4,369 |
| Loan and lease loss provision to assets | 0.1931% | 3,157 |
| Net operating income to assets | 0.8767% | 3,008 |
| Return on assets (ROA) | 1.4140% | 1,296 |
| Pretax return on assets | 1.8536% | 932 |
| Return on Equity (ROE) | 13.6690% | 1,193 |
| Retained earnings to average equity (ytd only) | 10.2671% | 898 |
| Net charge-offs to loans | 0.0105% | 5,311 |
| Credit loss provision to net charge-offs | 4,342.8571% | 65 |
| Earnings coverage of net charge-offs (x) | 301.2857% | 143 |
| Efficiency ratio | 66.9073% | 4,338 |
| Assets per employee ($millions) | 4.0897% | 3,685 |
| Cash dividends to net income (ytd only)* | 24.8877% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 1,845 |
| Loan loss allowance to noncurrent loans | 113.8377% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.8101% | 4,776 |
| Noncurrent loans to loans | 1.9054% | 3,067 |
| Net loans and leases to total assets | 41.5937% | 6,217 |
| Net loans and leases to deposits | 52.8339% | 5,970 |
| Net loans and leases to core deposits | 54.9405% | 6,026 |
| Total domestic deposits to total assets | 78.7254% | 6,012 |
| Equity capital to assets | 10.6400% | 3,526 |
| Core capital (leverage) ratio | 9.9154% | 3,541 |
| Tier 1 risk-based capital ratio | 16.0477% | 3,141 |
| Total risk-based capital ratio | 17.3054% | 3,103 |
| Memoranda: | ||
| Average total assets | $314,843,000 | 2,062 |
| Average earning assets | $288,845,330 | 2,064 |
| Average equity | $32,570,000 | 2,115 |
| Average total loans | $132,816,670 | 2,876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 4,256 |
| Cost of funding earning assets | 0.7573% | 3,809 |
| Net interest margin | 3.6601% | 4,007 |
| Noninterest income to average assets | 0.7509% | 2,396 |
| Noninterest expense to average assets | 2.6962% | 4,437 |
| Loan and lease loss provision to assets | 0.1944% | 2,995 |
| Net operating income to assets | 0.9381% | 2,755 |
| Return on assets (ROA) | 1.2884% | 1,653 |
| Pretax return on assets | 1.6683% | 1,384 |
| Return on Equity (ROE) | 12.6347% | 1,501 |
| Retained earnings to average equity (ytd only) | 12.6347% | 735 |
| Net charge-offs to loans | -0.0514% | 6,542 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6966% | 4,611 |
| Assets per employee ($millions) | 4.1175% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 2,116 |
| Loan loss allowance to noncurrent loans | 108.4375% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 4,927 |
| Noncurrent loans to loans | 1.9304% | 3,247 |
| Net loans and leases to total assets | 40.9535% | 6,268 |
| Net loans and leases to deposits | 54.0495% | 5,803 |
| Net loans and leases to core deposits | 56.6858% | 5,842 |
| Total domestic deposits to total assets | 75.7703% | 6,574 |
| Equity capital to assets | 10.4048% | 3,613 |
| Core capital (leverage) ratio | 9.7062% | 3,763 |
| Tier 1 risk-based capital ratio | 15.3116% | 3,553 |
| Total risk-based capital ratio | 16.5683% | 3,502 |
| Memoranda: | ||
| Average total assets | $314,811,500 | 2,061 |
| Average earning assets | $288,407,500 | 2,073 |
| Average equity | $32,102,000 | 2,145 |
| Average total loans | $132,282,500 | 2,902 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 3,854 |
| Cost of funding earning assets | 0.9746% | 3,546 |
| Net interest margin | 3.8165% | 3,740 |
| Noninterest income to average assets | 0.6829% | 2,701 |
| Noninterest expense to average assets | 2.8663% | 4,099 |
| Loan and lease loss provision to assets | 0.3405% | 2,975 |
| Net operating income to assets | 0.7636% | 3,200 |
| Return on assets (ROA) | 0.8765% | 2,845 |
| Pretax return on assets | 1.0883% | 2,881 |
| Return on Equity (ROE) | 8.8371% | 2,528 |
| Retained earnings to average equity (ytd only) | 4.8181% | 2,775 |
| Net charge-offs to loans | 1.5098% | 1,063 |
| Credit loss provision to net charge-offs | 52.7428% | 5,355 |
| Earnings coverage of net charge-offs (x) | 1.9975% | 4,287 |
| Efficiency ratio | 68.9728% | 4,157 |
| Assets per employee ($millions) | 4.1129% | 3,622 |
| Cash dividends to net income (ytd only)* | 45.4781% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 2,351 |
| Loan loss allowance to noncurrent loans | 120.5270% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 5,091 |
| Noncurrent loans to loans | 1.6393% | 3,707 |
| Net loans and leases to total assets | 41.3788% | 6,434 |
| Net loans and leases to deposits | 54.6307% | 6,009 |
| Net loans and leases to core deposits | 57.2774% | 6,057 |
| Total domestic deposits to total assets | 75.7427% | 6,517 |
| Equity capital to assets | 9.9866% | 4,184 |
| Core capital (leverage) ratio | 9.3027% | 4,324 |
| Tier 1 risk-based capital ratio | 14.8739% | 3,715 |
| Total risk-based capital ratio | 16.1277% | 3,685 |
| Memoranda: | ||
| Average total assets | $307,821,200 | 2,077 |
| Average earning assets | $280,103,200 | 2,098 |
| Average equity | $30,530,400 | 2,156 |
| Average total loans | $131,606,600 | 2,960 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8116% | 3,976 |
| Cost of funding earning assets | 1.0126% | 3,593 |
| Net interest margin | 3.7990% | 3,885 |
| Noninterest income to average assets | 0.6131% | 3,089 |
| Noninterest expense to average assets | 2.9033% | 3,920 |
| Loan and lease loss provision to assets | 0.3757% | 2,602 |
| Net operating income to assets | 0.6199% | 4,009 |
| Return on assets (ROA) | 0.8649% | 3,035 |
| Pretax return on assets | 1.0962% | 3,033 |
| Return on Equity (ROE) | 8.7352% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.4471% | 2,265 |
| Net charge-offs to loans | 0.5525% | 2,580 |
| Credit loss provision to net charge-offs | 158.5321% | 1,956 |
| Earnings coverage of net charge-offs (x) | 4.9027% | 2,927 |
| Efficiency ratio | 71.4194% | 3,663 |
| Assets per employee ($millions) | 4.1009% | 3,643 |
| Cash dividends to net income (ytd only)* | 26.1941% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9889% | 868 |
| Loan loss allowance to noncurrent loans | 114.4507% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3831% | 4,051 |
| Noncurrent loans to loans | 2.6116% | 2,656 |
| Net loans and leases to total assets | 39.2177% | 6,696 |
| Net loans and leases to deposits | 50.3658% | 6,483 |
| Net loans and leases to core deposits | 52.6682% | 6,532 |
| Total domestic deposits to total assets | 77.8659% | 6,212 |
| Equity capital to assets | 9.8806% | 4,505 |
| Core capital (leverage) ratio | 9.5986% | 3,995 |
| Tier 1 risk-based capital ratio | 14.4127% | 4,040 |
| Total risk-based capital ratio | 15.6738% | 3,999 |
| Memoranda: | ||
| Average total assets | $306,632,000 | 2,090 |
| Average earning assets | $278,627,000 | 2,115 |
| Average equity | $30,359,000 | 2,174 |
| Average total loans | $131,521,250 | 2,981 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9071% | 3,589 |
| Cost of funding earning assets | 1.0725% | 3,450 |
| Net interest margin | 3.8346% | 3,623 |
| Noninterest income to average assets | 0.7187% | 2,443 |
| Noninterest expense to average assets | 3.0408% | 3,475 |
| Loan and lease loss provision to assets | 0.4480% | 2,183 |
| Net operating income to assets | 0.5458% | 4,322 |
| Return on assets (ROA) | 0.8398% | 3,004 |
| Pretax return on assets | 1.0899% | 2,889 |
| Return on Equity (ROE) | 8.4759% | 2,721 |
| Retained earnings to average equity (ytd only) | 4.9960% | 3,012 |
| Net charge-offs to loans | 0.7183% | 2,075 |
| Credit loss provision to net charge-offs | 142.5263% | 2,143 |
| Earnings coverage of net charge-offs (x) | 3.6779% | 3,082 |
| Efficiency ratio | 72.4535% | 3,645 |
| Assets per employee ($millions) | 4.0471% | 3,664 |
| Cash dividends to net income (ytd only)* | 41.0559% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9382% | 947 |
| Loan loss allowance to noncurrent loans | 100.4556% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.6415% | 3,714 |
| Noncurrent loans to loans | 2.9249% | 2,494 |
| Net loans and leases to total assets | 40.2542% | 6,724 |
| Net loans and leases to deposits | 53.0821% | 6,384 |
| Net loans and leases to core deposits | 56.1197% | 6,409 |
| Total domestic deposits to total assets | 75.8338% | 6,621 |
| Equity capital to assets | 10.0391% | 4,089 |
| Core capital (leverage) ratio | 9.6021% | 3,803 |
| Tier 1 risk-based capital ratio | 14.5149% | 3,774 |
| Total risk-based capital ratio | 15.7775% | 3,745 |
| Memoranda: | ||
| Average total assets | $302,220,000 | 2,133 |
| Average earning assets | $274,132,670 | 2,150 |
| Average equity | $29,943,670 | 2,189 |
| Average total loans | $132,258,330 | 2,997 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 3,166 |
| Cost of funding earning assets | 1.1210% | 3,366 |
| Net interest margin | 3.8639% | 3,325 |
| Noninterest income to average assets | 0.8653% | 1,795 |
| Noninterest expense to average assets | 3.1128% | 3,196 |
| Loan and lease loss provision to assets | 0.3953% | 2,217 |
| Net operating income to assets | 0.6407% | 3,800 |
| Return on assets (ROA) | 0.8640% | 2,788 |
| Pretax return on assets | 1.1618% | 2,508 |
| Return on Equity (ROE) | 8.7799% | 2,569 |
| Retained earnings to average equity (ytd only) | 8.7799% | 1,457 |
| Net charge-offs to loans | 0.9509% | 1,405 |
| Credit loss provision to net charge-offs | 92.5000% | 2,893 |
| Earnings coverage of net charge-offs (x) | 2.9375% | 2,906 |
| Efficiency ratio | 71.2626% | 3,997 |
| Assets per employee ($millions) | 4.0154% | 3,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6567% | 1,251 |
| Loan loss allowance to noncurrent loans | 95.6274% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.7483% | 3,639 |
| Noncurrent loans to loans | 2.7782% | 2,724 |
| Net loans and leases to total assets | 43.4176% | 6,515 |
| Net loans and leases to deposits | 56.5126% | 6,082 |
| Net loans and leases to core deposits | 60.6334% | 6,053 |
| Total domestic deposits to total assets | 76.8281% | 6,562 |
| Equity capital to assets | 10.0286% | 3,743 |
| Core capital (leverage) ratio | 9.6300% | 3,623 |
| Tier 1 risk-based capital ratio | 15.5946% | 3,106 |
| Total risk-based capital ratio | 16.8582% | 3,065 |
| Memoranda: | ||
| Average total assets | $299,541,000 | 2,163 |
| Average earning assets | $271,540,000 | 2,193 |
| Average equity | $29,476,500 | 2,207 |
| Average total loans | $134,607,000 | 2,988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2704% | 3,270 |
| Cost of funding earning assets | 1.4720% | 2,811 |
| Net interest margin | 3.7984% | 3,952 |
| Noninterest income to average assets | 0.7975% | 2,301 |
| Noninterest expense to average assets | 2.7289% | 4,858 |
| Loan and lease loss provision to assets | 0.4801% | 3,255 |
| Net operating income to assets | 0.7867% | 2,860 |
| Return on assets (ROA) | 0.7972% | 2,952 |
| Pretax return on assets | 1.0494% | 2,776 |
| Return on Equity (ROE) | 8.1906% | 2,623 |
| Retained earnings to average equity (ytd only) | 4.1494% | 2,944 |
| Net charge-offs to loans | 0.4758% | 3,713 |
| Credit loss provision to net charge-offs | 225.6569% | 1,315 |
| Earnings coverage of net charge-offs (x) | 7.1236% | 2,195 |
| Efficiency ratio | 64.2907% | 5,298 |
| Assets per employee ($millions) | 3.9729% | 3,843 |
| Cash dividends to net income (ytd only)* | 49.3399% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5943% | 1,296 |
| Loan loss allowance to noncurrent loans | 72.8880% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 3,886 |
| Noncurrent loans to loans | 3.5594% | 2,118 |
| Net loans and leases to total assets | 44.0932% | 6,702 |
| Net loans and leases to deposits | 58.3063% | 6,225 |
| Net loans and leases to core deposits | 60.4060% | 6,365 |
| Total domestic deposits to total assets | 75.6235% | 6,676 |
| Equity capital to assets | 9.6555% | 4,207 |
| Core capital (leverage) ratio | 9.2334% | 4,119 |
| Tier 1 risk-based capital ratio | 14.5543% | 3,508 |
| Total risk-based capital ratio | 15.8165% | 3,463 |
| Memoranda: | ||
| Average total assets | $304,075,000 | 2,130 |
| Average earning assets | $275,958,000 | 2,145 |
| Average equity | $29,594,800 | 2,201 |
| Average total loans | $135,987,200 | 3,015 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3107% | 3,296 |
| Cost of funding earning assets | 1.5484% | 2,688 |
| Net interest margin | 3.7623% | 4,127 |
| Noninterest income to average assets | 0.7616% | 2,441 |
| Noninterest expense to average assets | 2.7497% | 4,685 |
| Loan and lease loss provision to assets | 0.3970% | 3,524 |
| Net operating income to assets | 0.7737% | 3,119 |
| Return on assets (ROA) | 0.7874% | 3,223 |
| Pretax return on assets | 1.0453% | 3,015 |
| Return on Equity (ROE) | 8.0748% | 2,869 |
| Retained earnings to average equity (ytd only) | 5.7363% | 2,519 |
| Net charge-offs to loans | 0.3917% | 3,722 |
| Credit loss provision to net charge-offs | 227.3183% | 1,511 |
| Earnings coverage of net charge-offs (x) | 8.1528% | 2,204 |
| Efficiency ratio | 65.8836% | 4,886 |
| Assets per employee ($millions) | 4.1262% | 3,604 |
| Cash dividends to net income (ytd only)* | 28.9605% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4144% | 1,454 |
| Loan loss allowance to noncurrent loans | 123.8441% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8377% | 5,418 |
| Noncurrent loans to loans | 1.9495% | 3,748 |
| Net loans and leases to total assets | 41.7736% | 6,987 |
| Net loans and leases to deposits | 56.5600% | 6,575 |
| Net loans and leases to core deposits | 58.0097% | 6,723 |
| Total domestic deposits to total assets | 73.8571% | 6,935 |
| Equity capital to assets | 9.9018% | 4,287 |
| Core capital (leverage) ratio | 9.1429% | 4,469 |
| Tier 1 risk-based capital ratio | 14.3447% | 3,600 |
| Total risk-based capital ratio | 15.6048% | 3,558 |
| Memoranda: | ||
| Average total assets | $304,608,250 | 2,156 |
| Average earning assets | $276,239,750 | 2,175 |
| Average equity | $29,705,000 | 2,223 |
| Average total loans | $135,813,500 | 3,058 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3420% | 3,254 |
| Cost of funding earning assets | 1.6377% | 2,444 |
| Net interest margin | 3.7043% | 4,343 |
| Noninterest income to average assets | 0.7347% | 2,486 |
| Noninterest expense to average assets | 2.7412% | 4,731 |
| Loan and lease loss provision to assets | 0.3495% | 3,624 |
| Net operating income to assets | 0.7556% | 3,168 |
| Return on assets (ROA) | 0.7765% | 3,228 |
| Pretax return on assets | 1.0285% | 3,014 |
| Return on Equity (ROE) | 8.0051% | 2,883 |
| Retained earnings to average equity (ytd only) | 4.4435% | 3,243 |
| Net charge-offs to loans | 0.2230% | 4,263 |
| Credit loss provision to net charge-offs | 346.7105% | 1,051 |
| Earnings coverage of net charge-offs (x) | 13.3947% | 1,593 |
| Efficiency ratio | 67.0016% | 4,761 |
| Assets per employee ($millions) | 3.8688% | 4,058 |
| Cash dividends to net income (ytd only)* | 44.4919% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3077% | 1,572 |
| Loan loss allowance to noncurrent loans | 276.1101% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 6,492 |
| Noncurrent loans to loans | 0.8358% | 5,610 |
| Net loans and leases to total assets | 43.0616% | 6,981 |
| Net loans and leases to deposits | 61.5627% | 6,270 |
| Net loans and leases to core deposits | 61.9344% | 6,556 |
| Total domestic deposits to total assets | 69.9476% | 7,333 |
| Equity capital to assets | 9.7772% | 4,304 |
| Core capital (leverage) ratio | 9.2671% | 4,180 |
| Tier 1 risk-based capital ratio | 14.3386% | 3,520 |
| Total risk-based capital ratio | 15.4025% | 3,589 |
| Memoranda: | ||
| Average total assets | $301,615,000 | 2,191 |
| Average earning assets | $273,306,000 | 2,209 |
| Average equity | $29,256,330 | 2,242 |
| Average total loans | $136,338,670 | 3,077 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4171% | 2,959 |
| Cost of funding earning assets | 1.7541% | 2,110 |
| Net interest margin | 3.6631% | 4,425 |
| Noninterest income to average assets | 0.6489% | 2,940 |
| Noninterest expense to average assets | 2.7717% | 4,599 |
| Loan and lease loss provision to assets | 0.3031% | 3,612 |
| Net operating income to assets | 0.6730% | 3,558 |
| Return on assets (ROA) | 0.7156% | 3,479 |
| Pretax return on assets | 0.9453% | 3,288 |
| Return on Equity (ROE) | 7.4077% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.4077% | 1,970 |
| Net charge-offs to loans | 0.4550% | 2,684 |
| Credit loss provision to net charge-offs | 145.5128% | 2,443 |
| Earnings coverage of net charge-offs (x) | 5.7244% | 2,344 |
| Efficiency ratio | 69.9225% | 4,317 |
| Assets per employee ($millions) | 3.7550% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 2,042 |
| Loan loss allowance to noncurrent loans | 167.1037% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.5935% | 6,029 |
| Noncurrent loans to loans | 1.2329% | 4,912 |
| Net loans and leases to total assets | 44.3730% | 6,965 |
| Net loans and leases to deposits | 62.5376% | 6,226 |
| Net loans and leases to core deposits | 63.6673% | 6,476 |
| Total domestic deposits to total assets | 70.9542% | 7,347 |
| Equity capital to assets | 9.7526% | 4,169 |
| Core capital (leverage) ratio | 9.2132% | 4,200 |
| Tier 1 risk-based capital ratio | 14.4871% | 3,380 |
| Total risk-based capital ratio | 15.7452% | 3,347 |
| Memoranda: | ||
| Average total assets | $299,603,000 | 2,252 |
| Average earning assets | $271,139,500 | 2,278 |
| Average equity | $28,943,000 | 2,296 |
| Average total loans | $137,147,000 | 3,127 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7613% | 2,815 |
| Cost of funding earning assets | 2.4813% | 1,068 |
| Net interest margin | 3.2800% | 5,819 |
| Noninterest income to average assets | 0.8270% | 2,278 |
| Noninterest expense to average assets | 2.8374% | 4,807 |
| Loan and lease loss provision to assets | 0.3878% | 4,466 |
| Net operating income to assets | 0.4400% | 3,970 |
| Return on assets (ROA) | 0.7689% | 2,736 |
| Pretax return on assets | 1.0282% | 2,498 |
| Return on Equity (ROE) | 8.8212% | 2,084 |
| Retained earnings to average equity (ytd only) | 4.6162% | 2,028 |
| Net charge-offs to loans | 0.2975% | 4,772 |
| Credit loss provision to net charge-offs | 288.7019% | 1,161 |
| Earnings coverage of net charge-offs (x) | 7.2764% | 2,184 |
| Efficiency ratio | 74.3779% | 3,817 |
| Assets per employee ($millions) | 3.6890% | 4,541 |
| Cash dividends to net income (ytd only)* | 47.6690% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,079 |
| Loan loss allowance to noncurrent loans | 172.6010% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 6,083 |
| Noncurrent loans to loans | 1.1462% | 5,038 |
| Net loans and leases to total assets | 45.3336% | 7,030 |
| Net loans and leases to deposits | 64.7407% | 6,184 |
| Net loans and leases to core deposits | 69.3758% | 6,808 |
| Total domestic deposits to total assets | 70.0233% | 7,425 |
| Equity capital to assets | 9.5678% | 4,325 |
| Core capital (leverage) ratio | 9.0429% | 4,352 |
| Tier 1 risk-based capital ratio | 13.9852% | 3,509 |
| Total risk-based capital ratio | 15.2425% | 3,460 |
| Memoranda: | ||
| Average total assets | $309,681,000 | 2,164 |
| Average earning assets | $282,104,800 | 2,173 |
| Average equity | $26,991,800 | 2,449 |
| Average total loans | $139,851,800 | 3,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8373% | 2,715 |
| Cost of funding earning assets | 2.6299% | 958 |
| Net interest margin | 3.2074% | 5,993 |
| Noninterest income to average assets | 0.8258% | 2,309 |
| Noninterest expense to average assets | 2.8531% | 4,653 |
| Loan and lease loss provision to assets | 0.4255% | 3,775 |
| Net operating income to assets | 0.3525% | 4,586 |
| Return on assets (ROA) | 0.7802% | 2,956 |
| Pretax return on assets | 1.0525% | 2,729 |
| Return on Equity (ROE) | 9.1653% | 2,201 |
| Retained earnings to average equity (ytd only) | 6.7035% | 1,631 |
| Net charge-offs to loans | 0.3289% | 3,994 |
| Credit loss provision to net charge-offs | 288.1503% | 1,443 |
| Earnings coverage of net charge-offs (x) | 6.0954% | 2,672 |
| Efficiency ratio | 76.0177% | 3,511 |
| Assets per employee ($millions) | 3.7734% | 4,248 |
| Cash dividends to net income (ytd only)* | 26.8600% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8788% | 2,085 |
| Loan loss allowance to noncurrent loans | 180.3609% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 6,209 |
| Noncurrent loans to loans | 1.0417% | 5,232 |
| Net loans and leases to total assets | 45.5325% | 7,139 |
| Net loans and leases to deposits | 66.8672% | 6,224 |
| Net loans and leases to core deposits | 72.3251% | 6,826 |
| Total domestic deposits to total assets | 68.0939% | 7,560 |
| Equity capital to assets | 9.7354% | 4,445 |
| Core capital (leverage) ratio | 8.4902% | 5,518 |
| Tier 1 risk-based capital ratio | 13.9957% | 3,557 |
| Total risk-based capital ratio | 15.2521% | 3,502 |
| Memoranda: | ||
| Average total assets | $312,400,000 | 2,161 |
| Average earning assets | $285,124,750 | 2,169 |
| Average equity | $26,592,500 | 2,498 |
| Average total loans | $140,266,500 | 3,111 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7909% | 3,093 |
| Cost of funding earning assets | 2.6949% | 1,043 |
| Net interest margin | 3.0960% | 6,257 |
| Noninterest income to average assets | 0.8198% | 2,319 |
| Noninterest expense to average assets | 2.5740% | 5,840 |
| Loan and lease loss provision to assets | 0.4975% | 3,050 |
| Net operating income to assets | 0.4266% | 4,392 |
| Return on assets (ROA) | 0.7453% | 3,170 |
| Pretax return on assets | 1.0064% | 2,982 |
| Return on Equity (ROE) | 9.1688% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.3601% | 2,313 |
| Net charge-offs to loans | 0.4173% | 3,129 |
| Credit loss provision to net charge-offs | 268.3673% | 1,735 |
| Earnings coverage of net charge-offs (x) | 5.7891% | 2,761 |
| Efficiency ratio | 70.5740% | 4,664 |
| Assets per employee ($millions) | 4.0853% | 3,527 |
| Cash dividends to net income (ytd only)* | 41.5398% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 2,134 |
| Loan loss allowance to noncurrent loans | 144.5299% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 6,076 |
| Noncurrent loans to loans | 1.2227% | 4,762 |
| Net loans and leases to total assets | 42.0949% | 7,443 |
| Net loans and leases to deposits | 70.9686% | 5,873 |
| Net loans and leases to core deposits | 76.5147% | 6,644 |
| Total domestic deposits to total assets | 59.3149% | 7,953 |
| Equity capital to assets | 8.3729% | 6,239 |
| Core capital (leverage) ratio | 8.2159% | 5,957 |
| Tier 1 risk-based capital ratio | 12.8894% | 4,220 |
| Total risk-based capital ratio | 14.0916% | 4,172 |
| Memoranda: | ||
| Average total assets | $317,167,670 | 2,161 |
| Average earning assets | $289,663,330 | 2,172 |
| Average equity | $25,783,000 | 2,574 |
| Average total loans | $140,912,000 | 3,129 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8798% | 2,894 |
| Cost of funding earning assets | 2.8130% | 953 |
| Net interest margin | 3.0668% | 6,288 |
| Noninterest income to average assets | 0.7990% | 2,330 |
| Noninterest expense to average assets | 2.4404% | 6,059 |
| Loan and lease loss provision to assets | 0.3334% | 3,324 |
| Net operating income to assets | 0.5870% | 4,071 |
| Return on assets (ROA) | 0.9619% | 2,599 |
| Pretax return on assets | 1.3512% | 2,116 |
| Return on Equity (ROE) | 12.0176% | 1,655 |
| Retained earnings to average equity (ytd only) | 12.0176% | 780 |
| Net charge-offs to loans | 0.2250% | 3,291 |
| Credit loss provision to net charge-offs | 327.5000% | 1,515 |
| Earnings coverage of net charge-offs (x) | 11.3625% | 1,878 |
| Efficiency ratio | 67.8458% | 4,992 |
| Assets per employee ($millions) | 3.9658% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 2,747 |
| Loan loss allowance to noncurrent loans | 108.2317% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 5,549 |
| Noncurrent loans to loans | 1.4252% | 4,166 |
| Net loans and leases to total assets | 42.8522% | 7,417 |
| Net loans and leases to deposits | 72.5593% | 5,671 |
| Net loans and leases to core deposits | 79.3900% | 6,432 |
| Total domestic deposits to total assets | 59.0582% | 7,987 |
| Equity capital to assets | 7.9071% | 6,950 |
| Core capital (leverage) ratio | 8.2986% | 5,908 |
| Tier 1 risk-based capital ratio | 12.9318% | 4,224 |
| Total risk-based capital ratio | 13.9801% | 4,286 |
| Memoranda: | ||
| Average total assets | $314,380,500 | 2,188 |
| Average earning assets | $286,812,500 | 2,199 |
| Average equity | $25,163,000 | 2,636 |
| Average total loans | $142,217,000 | 3,130 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1609% | 4,719 |
| Cost of funding earning assets | 3.3537% | 799 |
| Net interest margin | 2.8072% | 7,322 |
| Noninterest income to average assets | 0.6634% | 3,382 |
| Noninterest expense to average assets | 2.2735% | 6,777 |
| Loan and lease loss provision to assets | 0.2584% | 4,333 |
| Net operating income to assets | 0.5248% | 4,631 |
| Return on assets (ROA) | 0.6019% | 4,159 |
| Pretax return on assets | 0.8063% | 4,043 |
| Return on Equity (ROE) | 7.9435% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.0033% | 2,643 |
| Net charge-offs to loans | 0.3029% | 3,374 |
| Credit loss provision to net charge-offs | 182.0225% | 2,745 |
| Earnings coverage of net charge-offs (x) | 6.7775% | 3,274 |
| Efficiency ratio | 70.2681% | 4,298 |
| Assets per employee ($millions) | 3.8938% | 3,752 |
| Cash dividends to net income (ytd only)* | 49.6025% | 3,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3310% | 3,588 |
| Loan loss allowance to noncurrent loans | 162.6043% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 5,990 |
| Noncurrent loans to loans | 0.8186% | 5,001 |
| Net loans and leases to total assets | 46.3572% | 7,296 |
| Net loans and leases to deposits | 79.7749% | 5,081 |
| Net loans and leases to core deposits | 87.9782% | 5,978 |
| Total domestic deposits to total assets | 58.1099% | 8,012 |
| Equity capital to assets | 8.1027% | 6,692 |
| Core capital (leverage) ratio | 8.1093% | 6,309 |
| Tier 1 risk-based capital ratio | 13.5812% | 3,770 |
| Total risk-based capital ratio | 14.6175% | 3,795 |
| Memoranda: | ||
| Average total assets | $313,520,400 | 2,133 |
| Average earning assets | $287,262,000 | 2,118 |
| Average equity | $23,755,200 | 2,756 |
| Average total loans | $146,916,400 | 2,979 |