Home > Meade County Bank > Performance and Condition Ratios
Meade County Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8860% | 1,354 |
| Cost of funding earning assets | 2.6582% | 644 |
| Net interest margin | 3.2279% | 2,948 |
| Noninterest income to average assets | 0.3100% | 2,795 |
| Noninterest expense to average assets | 2.0830% | 3,384 |
| Loan and lease loss provision to assets | 0.0800% | 1,535 |
| Net operating income to assets | 0.9223% | 2,502 |
| Return on assets (ROA) | 0.9223% | 2,505 |
| Pretax return on assets | 1.1979% | 2,255 |
| Return on Equity (ROE) | 12.8400% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.8588% | 1,459 |
| Net charge-offs to loans | 0.0184% | 1,639 |
| Credit loss provision to net charge-offs | 500.0000% | 529 |
| Earnings coverage of net charge-offs (x) | 83.5000% | 782 |
| Efficiency ratio | 62.0455% | 2,705 |
| Assets per employee ($millions) | 8.3773% | 1,364 |
| Cash dividends to net income (ytd only)* | 31.0238% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3084% | 4,334 |
| Loan loss allowance to noncurrent loans | 346.6667% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,167 |
| Noncurrent loans to loans | 0.0890% | 3,219 |
| Net loans and leases to total assets | 82.6200% | 346 |
| Net loans and leases to deposits | 98.5254% | 473 |
| Net loans and leases to core deposits | 114.2360% | 717 |
| Total domestic deposits to total assets | 83.8600% | 2,932 |
| Equity capital to assets | 7.1671% | 3,976 |
| Core capital (leverage) ratio | 8.6618% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5653% | 2,344 |
| Memoranda: | ||
| Average total assets | $419,402,500 | 2,015 |
| Average earning assets | $395,309,500 | 1,994 |
| Average equity | $30,117,000 | 2,422 |
| Average total loans | $348,012,500 | 1,718 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6672% | 1,818 |
| Cost of funding earning assets | 2.7743% | 741 |
| Net interest margin | 2.8929% | 3,329 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 1.9676% | 3,665 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 0.8582% | 2,529 |
| Return on assets (ROA) | 0.8582% | 2,536 |
| Pretax return on assets | 1.0954% | 2,262 |
| Return on Equity (ROE) | 12.0400% | 1,597 |
| Retained earnings to average equity (ytd only) | 7.8431% | 1,163 |
| Net charge-offs to loans | 0.0126% | 2,451 |
| Credit loss provision to net charge-offs | 195.1220% | 1,157 |
| Earnings coverage of net charge-offs (x) | 109.1951% | 767 |
| Efficiency ratio | 63.8222% | 2,743 |
| Assets per employee ($millions) | 8.5742% | 1,237 |
| Cash dividends to net income (ytd only)* | 34.8331% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3003% | 4,362 |
| Loan loss allowance to noncurrent loans | 1,283.7500% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 3,584 |
| Noncurrent loans to loans | 0.0234% | 3,585 |
| Net loans and leases to total assets | 82.8300% | 373 |
| Net loans and leases to deposits | 99.1926% | 532 |
| Net loans and leases to core deposits | 114.8997% | 765 |
| Total domestic deposits to total assets | 83.5100% | 2,912 |
| Equity capital to assets | 7.1953% | 3,892 |
| Core capital (leverage) ratio | 8.6721% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6591% | 2,331 |
| Memoranda: | ||
| Average total assets | $401,412,400 | 2,039 |
| Average earning assets | $378,581,600 | 2,018 |
| Average equity | $28,624,000 | 2,436 |
| Average total loans | $326,683,200 | 1,766 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 1,922 |
| Cost of funding earning assets | 2.7794% | 736 |
| Net interest margin | 2.8106% | 3,438 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 1.9461% | 3,682 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.7929% | 2,713 |
| Return on assets (ROA) | 0.7929% | 2,727 |
| Pretax return on assets | 1.0265% | 2,462 |
| Return on Equity (ROE) | 11.1400% | 1,857 |
| Retained earnings to average equity (ytd only) | 6.9163% | 1,769 |
| Net charge-offs to loans | 0.0070% | 2,405 |
| Credit loss provision to net charge-offs | 305.8824% | 838 |
| Earnings coverage of net charge-offs (x) | 183.7059% | 549 |
| Efficiency ratio | 65.0866% | 2,580 |
| Assets per employee ($millions) | 7.4766% | 1,822 |
| Cash dividends to net income (ytd only)* | 37.9427% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3041% | 4,394 |
| Loan loss allowance to noncurrent loans | 705.5172% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 3,493 |
| Noncurrent loans to loans | 0.0431% | 3,494 |
| Net loans and leases to total assets | 81.5500% | 457 |
| Net loans and leases to deposits | 98.2713% | 570 |
| Net loans and leases to core deposits | 114.1869% | 785 |
| Total domestic deposits to total assets | 82.9800% | 2,850 |
| Equity capital to assets | 7.3169% | 4,036 |
| Core capital (leverage) ratio | 8.5821% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4450% | 2,419 |
| Memoranda: | ||
| Average total assets | $398,875,000 | 2,042 |
| Average earning assets | $376,276,250 | 2,024 |
| Average equity | $28,376,750 | 2,446 |
| Average total loans | $322,869,500 | 1,776 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5093% | 1,955 |
| Cost of funding earning assets | 2.7584% | 702 |
| Net interest margin | 2.7509% | 3,505 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 1.9364% | 3,681 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.7584% | 2,765 |
| Return on assets (ROA) | 0.7584% | 2,783 |
| Pretax return on assets | 0.9778% | 2,542 |
| Return on Equity (ROE) | 10.7700% | 1,956 |
| Retained earnings to average equity (ytd only) | 4.2940% | 2,604 |
| Net charge-offs to loans | 0.0088% | 2,080 |
| Credit loss provision to net charge-offs | 178.5714% | 1,099 |
| Earnings coverage of net charge-offs (x) | 139.6429% | 628 |
| Efficiency ratio | 66.1589% | 2,528 |
| Assets per employee ($millions) | 8.4284% | 1,235 |
| Cash dividends to net income (ytd only)* | 60.1202% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 4,414 |
| Loan loss allowance to noncurrent loans | 2,497.5000% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,719 |
| Noncurrent loans to loans | 0.0123% | 3,698 |
| Net loans and leases to total assets | 80.2500% | 645 |
| Net loans and leases to deposits | 96.3339% | 774 |
| Net loans and leases to core deposits | 111.4689% | 916 |
| Total domestic deposits to total assets | 83.3100% | 2,787 |
| Equity capital to assets | 6.8531% | 3,989 |
| Core capital (leverage) ratio | 8.4549% | 4,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5042% | 2,423 |
| Memoranda: | ||
| Average total assets | $394,763,000 | 2,051 |
| Average earning assets | $372,318,333 | 2,030 |
| Average equity | $27,806,333 | 2,442 |
| Average total loans | $318,373,333 | 1,785 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4273% | 1,954 |
| Cost of funding earning assets | 2.7256% | 690 |
| Net interest margin | 2.7017% | 3,561 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 1.7883% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.8454% | 2,402 |
| Return on assets (ROA) | 0.8454% | 2,414 |
| Pretax return on assets | 1.0927% | 2,158 |
| Return on Equity (ROE) | 11.8400% | 1,611 |
| Retained earnings to average equity (ytd only) | 7.5268% | 1,674 |
| Net charge-offs to loans | -0.0025% | 3,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.0726% | 3,027 |
| Assets per employee ($millions) | 9.0285% | 1,008 |
| Cash dividends to net income (ytd only)* | 36.4078% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3104% | 4,402 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 3,235 |
| Noncurrent loans to loans | 0.0094% | 3,727 |
| Net loans and leases to total assets | 80.0400% | 617 |
| Net loans and leases to deposits | 96.4397% | 683 |
| Net loans and leases to core deposits | 109.3158% | 969 |
| Total domestic deposits to total assets | 83.0000% | 2,982 |
| Equity capital to assets | 7.0229% | 3,886 |
| Core capital (leverage) ratio | 8.8915% | 3,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4785% | 2,436 |
| Memoranda: | ||
| Average total assets | $389,862,500 | 2,067 |
| Average earning assets | $367,625,500 | 2,051 |
| Average equity | $27,847,000 | 2,452 |
| Average total loans | $314,720,000 | 1,786 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9634% | 2,148 |
| Cost of funding earning assets | 2.1435% | 708 |
| Net interest margin | 2.8200% | 3,625 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.0008% | 3,633 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9290% | 2,454 |
| Return on assets (ROA) | 0.9846% | 2,251 |
| Pretax return on assets | 1.2577% | 1,987 |
| Return on Equity (ROE) | 13.9300% | 1,500 |
| Retained earnings to average equity (ytd only) | 9.2616% | 1,193 |
| Net charge-offs to loans | 0.0078% | 2,379 |
| Credit loss provision to net charge-offs | 326.0870% | 901 |
| Earnings coverage of net charge-offs (x) | 192.8696% | 599 |
| Efficiency ratio | 62.1405% | 2,821 |
| Assets per employee ($millions) | 7.9681% | 1,454 |
| Cash dividends to net income (ytd only)* | 33.4915% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 4,418 |
| Loan loss allowance to noncurrent loans | 2,409.7561% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,110 |
| Noncurrent loans to loans | 0.0132% | 3,655 |
| Net loans and leases to total assets | 80.9200% | 542 |
| Net loans and leases to deposits | 97.7116% | 666 |
| Net loans and leases to core deposits | 110.7504% | 928 |
| Total domestic deposits to total assets | 82.8100% | 2,936 |
| Equity capital to assets | 7.2672% | 3,838 |
| Core capital (leverage) ratio | 9.0418% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0545% | 2,568 |
| Memoranda: | ||
| Average total assets | $363,910,200 | 2,146 |
| Average earning assets | $342,484,000 | 2,119 |
| Average equity | $25,729,800 | 2,476 |
| Average total loans | $293,385,400 | 1,816 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 2,191 |
| Cost of funding earning assets | 2.0227% | 678 |
| Net interest margin | 2.8138% | 3,706 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 1.9535% | 3,707 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9937% | 2,381 |
| Return on assets (ROA) | 1.0057% | 2,336 |
| Pretax return on assets | 1.3115% | 2,002 |
| Return on Equity (ROE) | 14.3300% | 1,572 |
| Retained earnings to average equity (ytd only) | 9.5714% | 1,527 |
| Net charge-offs to loans | 0.0055% | 2,257 |
| Credit loss provision to net charge-offs | 633.3333% | 539 |
| Earnings coverage of net charge-offs (x) | 300.6667% | 446 |
| Efficiency ratio | 59.3327% | 3,041 |
| Assets per employee ($millions) | 8.1337% | 1,286 |
| Cash dividends to net income (ytd only)* | 33.2103% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3272% | 4,435 |
| Loan loss allowance to noncurrent loans | 203.6660% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.1900% | 2,324 |
| Noncurrent loans to loans | 0.1607% | 2,747 |
| Net loans and leases to total assets | 81.4100% | 486 |
| Net loans and leases to deposits | 102.6838% | 403 |
| Net loans and leases to core deposits | 112.4860% | 781 |
| Total domestic deposits to total assets | 79.2800% | 3,641 |
| Equity capital to assets | 6.5687% | 3,806 |
| Core capital (leverage) ratio | 9.0789% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6927% | 2,390 |
| Memoranda: | ||
| Average total assets | $359,270,250 | 2,169 |
| Average earning assets | $338,084,000 | 2,142 |
| Average equity | $25,213,500 | 2,490 |
| Average total loans | $289,114,250 | 1,838 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 2,173 |
| Cost of funding earning assets | 1.8480% | 681 |
| Net interest margin | 2.8695% | 3,702 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.9079% | 3,806 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8854% | 2,808 |
| Return on assets (ROA) | 0.9037% | 2,729 |
| Pretax return on assets | 1.1769% | 2,424 |
| Return on Equity (ROE) | 12.5900% | 1,989 |
| Retained earnings to average equity (ytd only) | 5.5141% | 2,777 |
| Net charge-offs to loans | 0.0071% | 1,976 |
| Credit loss provision to net charge-offs | 300.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 211.4000% | 578 |
| Efficiency ratio | 61.5217% | 2,774 |
| Assets per employee ($millions) | 7.8915% | 1,368 |
| Cash dividends to net income (ytd only)* | 56.2149% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3246% | 4,467 |
| Loan loss allowance to noncurrent loans | 572.4551% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 2,794 |
| Noncurrent loans to loans | 0.0567% | 3,289 |
| Net loans and leases to total assets | 80.8600% | 535 |
| Net loans and leases to deposits | 101.0932% | 472 |
| Net loans and leases to core deposits | 110.1739% | 820 |
| Total domestic deposits to total assets | 79.9800% | 3,580 |
| Equity capital to assets | 6.9849% | 3,808 |
| Core capital (leverage) ratio | 9.0261% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8129% | 2,366 |
| Memoranda: | ||
| Average total assets | $354,310,000 | 2,185 |
| Average earning assets | $333,435,667 | 2,173 |
| Average equity | $25,425,667 | 2,499 |
| Average total loans | $283,621,333 | 1,848 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5853% | 2,123 |
| Cost of funding earning assets | 1.7309% | 524 |
| Net interest margin | 2.8544% | 3,858 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.7876% | 4,054 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9967% | 2,539 |
| Return on assets (ROA) | 0.9967% | 2,507 |
| Pretax return on assets | 1.3064% | 2,154 |
| Return on Equity (ROE) | 13.7000% | 1,833 |
| Retained earnings to average equity (ytd only) | 8.9865% | 1,956 |
| Net charge-offs to loans | 0.0072% | 1,678 |
| Credit loss provision to net charge-offs | -220.0000% | 4,608 |
| Earnings coverage of net charge-offs (x) | 235.6000% | 449 |
| Efficiency ratio | 57.0387% | 3,299 |
| Assets per employee ($millions) | 7.9294% | 1,380 |
| Cash dividends to net income (ytd only)* | 34.4037% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3249% | 4,527 |
| Loan loss allowance to noncurrent loans | 345.8647% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 2,559 |
| Noncurrent loans to loans | 0.0939% | 3,078 |
| Net loans and leases to total assets | 79.0900% | 628 |
| Net loans and leases to deposits | 101.0248% | 394 |
| Net loans and leases to core deposits | 108.9793% | 736 |
| Total domestic deposits to total assets | 78.2900% | 3,972 |
| Equity capital to assets | 7.2997% | 3,675 |
| Core capital (leverage) ratio | 9.2336% | 3,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1394% | 2,337 |
| Memoranda: | ||
| Average total assets | $349,960,000 | 2,235 |
| Average earning assets | $329,314,000 | 2,219 |
| Average equity | $25,460,500 | 2,522 |
| Average total loans | $278,192,500 | 1,888 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1312% | 1,403 |
| Cost of funding earning assets | 0.7169% | 543 |
| Net interest margin | 3.4143% | 2,207 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9969% | 3,583 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.1498% | 1,973 |
| Return on assets (ROA) | 1.2150% | 1,662 |
| Pretax return on assets | 1.5755% | 1,223 |
| Return on Equity (ROE) | 14.6600% | 1,350 |
| Retained earnings to average equity (ytd only) | 10.0256% | 1,141 |
| Net charge-offs to loans | 0.0081% | 2,088 |
| Credit loss provision to net charge-offs | 1,163.1579% | 391 |
| Earnings coverage of net charge-offs (x) | 257.0526% | 539 |
| Efficiency ratio | 56.0831% | 3,576 |
| Assets per employee ($millions) | 7.2999% | 1,755 |
| Cash dividends to net income (ytd only)* | 31.6206% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3426% | 4,528 |
| Loan loss allowance to noncurrent loans | 742.8571% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,432 |
| Noncurrent loans to loans | 0.0461% | 3,419 |
| Net loans and leases to total assets | 79.3700% | 659 |
| Net loans and leases to deposits | 103.5696% | 317 |
| Net loans and leases to core deposits | 110.1781% | 605 |
| Total domestic deposits to total assets | 76.6300% | 4,214 |
| Equity capital to assets | 7.2498% | 3,522 |
| Core capital (leverage) ratio | 9.4736% | 3,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2375% | 2,271 |
| Memoranda: | ||
| Average total assets | $312,337,800 | 2,394 |
| Average earning assets | $294,029,400 | 2,368 |
| Average equity | $25,883,800 | 2,540 |
| Average total loans | $235,852,000 | 2,018 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 1,183 |
| Cost of funding earning assets | 0.5233% | 668 |
| Net interest margin | 3.5168% | 1,620 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.9576% | 3,599 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.2614% | 1,488 |
| Return on assets (ROA) | 1.3506% | 1,188 |
| Pretax return on assets | 1.7616% | 797 |
| Return on Equity (ROE) | 15.7400% | 1,028 |
| Retained earnings to average equity (ytd only) | 11.1515% | 1,010 |
| Net charge-offs to loans | 0.0071% | 1,887 |
| Credit loss provision to net charge-offs | 1,258.3333% | 346 |
| Earnings coverage of net charge-offs (x) | 326.5000% | 444 |
| Efficiency ratio | 53.3071% | 3,884 |
| Assets per employee ($millions) | 7.2776% | 1,768 |
| Cash dividends to net income (ytd only)* | 29.1640% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2972% | 4,588 |
| Loan loss allowance to noncurrent loans | 3,815.0000% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,948 |
| Noncurrent loans to loans | 0.0078% | 3,893 |
| Net loans and leases to total assets | 78.1500% | 693 |
| Net loans and leases to deposits | 98.7549% | 417 |
| Net loans and leases to core deposits | 102.1341% | 738 |
| Total domestic deposits to total assets | 79.1400% | 4,168 |
| Equity capital to assets | 7.5373% | 3,196 |
| Core capital (leverage) ratio | 9.7578% | 2,804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8750% | 2,100 |
| Memoranda: | ||
| Average total assets | $304,648,000 | 2,441 |
| Average earning assets | $286,879,250 | 2,422 |
| Average equity | $26,136,250 | 2,559 |
| Average total loans | $226,505,250 | 2,069 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 1,026 |
| Cost of funding earning assets | 0.4265% | 777 |
| Net interest margin | 3.5224% | 1,259 |
| Noninterest income to average assets | 0.3690% | 2,937 |
| Noninterest expense to average assets | 2.0274% | 3,360 |
| Loan and lease loss provision to assets | 0.0411% | 1,841 |
| Net operating income to assets | 1.2524% | 1,271 |
| Return on assets (ROA) | 1.2524% | 1,257 |
| Pretax return on assets | 1.6200% | 901 |
| Return on Equity (ROE) | 13.9743% | 1,120 |
| Retained earnings to average equity (ytd only) | 9.4664% | 1,147 |
| Net charge-offs to loans | 0.0018% | 2,041 |
| Credit loss provision to net charge-offs | 3,050.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 1,233.5000% | 100 |
| Efficiency ratio | 54.9653% | 3,872 |
| Assets per employee ($millions) | 6.8063% | 2,066 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2869% | 4,664 |
| Loan loss allowance to noncurrent loans | 1,665.8537% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 3,894 |
| Noncurrent loans to loans | 0.0172% | 3,837 |
| Net loans and leases to total assets | 75.8175% | 745 |
| Net loans and leases to deposits | 93.8746% | 523 |
| Net loans and leases to core deposits | 96.8111% | 799 |
| Total domestic deposits to total assets | 80.7646% | 4,163 |
| Equity capital to assets | 7.7767% | 3,289 |
| Core capital (leverage) ratio | 10.1452% | 2,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4888% | 1,869 |
| Memoranda: | ||
| Average total assets | $297,033,000 | 2,496 |
| Average earning assets | $279,924,000 | 2,483 |
| Average equity | $26,620,333 | 2,601 |
| Average total loans | $216,437,333 | 2,136 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8798% | 956 |
| Cost of funding earning assets | 0.4192% | 775 |
| Net interest margin | 3.4606% | 1,156 |
| Noninterest income to average assets | 0.3640% | 2,911 |
| Noninterest expense to average assets | 1.9571% | 3,538 |
| Loan and lease loss provision to assets | 0.0277% | 1,871 |
| Net operating income to assets | 1.2678% | 1,076 |
| Return on assets (ROA) | 1.2678% | 1,067 |
| Pretax return on assets | 1.6470% | 761 |
| Return on Equity (ROE) | 13.2005% | 997 |
| Retained earnings to average equity (ytd only) | 8.8772% | 1,304 |
| Net charge-offs to loans | -0.0019% | 3,106 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8872% | 4,059 |
| Assets per employee ($millions) | 6.5687% | 2,327 |
| Cash dividends to net income (ytd only)* | 32.7511% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3031% | 4,686 |
| Loan loss allowance to noncurrent loans | 2,927.2727% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,003 |
| Noncurrent loans to loans | 0.0104% | 3,943 |
| Net loans and leases to total assets | 73.2906% | 717 |
| Net loans and leases to deposits | 85.7165% | 763 |
| Net loans and leases to core deposits | 88.8677% | 974 |
| Total domestic deposits to total assets | 85.5035% | 3,411 |
| Equity capital to assets | 9.2716% | 2,470 |
| Core capital (leverage) ratio | 10.3844% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9761% | 1,521 |
| Memoranda: | ||
| Average total assets | $289,004,500 | 2,554 |
| Average earning assets | $272,902,000 | 2,533 |
| Average equity | $27,756,500 | 2,622 |
| Average total loans | $205,626,000 | 2,192 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 1,248 |
| Cost of funding earning assets | 0.4855% | 987 |
| Net interest margin | 3.5628% | 1,568 |
| Noninterest income to average assets | 0.3609% | 3,272 |
| Noninterest expense to average assets | 2.0426% | 3,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2990% | 1,604 |
| Return on assets (ROA) | 1.2990% | 1,649 |
| Pretax return on assets | 1.6997% | 1,147 |
| Return on Equity (ROE) | 14.0958% | 1,158 |
| Retained earnings to average equity (ytd only) | 10.4989% | 805 |
| Net charge-offs to loans | 0.0022% | 2,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,153.7500% | 125 |
| Efficiency ratio | 54.5812% | 3,862 |
| Assets per employee ($millions) | 6.2823% | 2,499 |
| Cash dividends to net income (ytd only)* | 25.5174% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3134% | 4,720 |
| Loan loss allowance to noncurrent loans | 635.7143% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,790 |
| Noncurrent loans to loans | 0.0493% | 3,726 |
| Net loans and leases to total assets | 68.5702% | 1,204 |
| Net loans and leases to deposits | 80.0432% | 1,212 |
| Net loans and leases to core deposits | 82.4443% | 1,426 |
| Total domestic deposits to total assets | 85.6665% | 3,029 |
| Equity capital to assets | 9.9368% | 2,714 |
| Core capital (leverage) ratio | 10.3287% | 2,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8539% | 1,300 |
| Memoranda: | ||
| Average total assets | $271,517,600 | 2,588 |
| Average earning assets | $257,690,200 | 2,569 |
| Average equity | $25,021,600 | 2,849 |
| Average total loans | $185,359,600 | 2,343 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1178% | 1,265 |
| Cost of funding earning assets | 0.5034% | 1,029 |
| Net interest margin | 3.6144% | 1,566 |
| Noninterest income to average assets | 0.3469% | 3,376 |
| Noninterest expense to average assets | 2.0308% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2777% | 1,895 |
| Return on assets (ROA) | 1.2777% | 1,953 |
| Pretax return on assets | 1.7493% | 1,283 |
| Return on Equity (ROE) | 14.1640% | 1,347 |
| Retained earnings to average equity (ytd only) | 10.8443% | 1,096 |
| Net charge-offs to loans | 0.0029% | 2,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 876.2500% | 188 |
| Efficiency ratio | 53.7233% | 3,843 |
| Assets per employee ($millions) | 6.0875% | 2,600 |
| Cash dividends to net income (ytd only)* | 23.4375% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3292% | 4,800 |
| Loan loss allowance to noncurrent loans | 778.7500% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 3,983 |
| Noncurrent loans to loans | 0.0423% | 3,904 |
| Net loans and leases to total assets | 67.3602% | 1,388 |
| Net loans and leases to deposits | 79.3587% | 1,344 |
| Net loans and leases to core deposits | 82.6897% | 1,521 |
| Total domestic deposits to total assets | 84.8807% | 3,157 |
| Equity capital to assets | 10.2148% | 2,695 |
| Core capital (leverage) ratio | 10.2303% | 2,288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6328% | 1,210 |
| Memoranda: | ||
| Average total assets | $267,150,250 | 2,643 |
| Average earning assets | $253,753,750 | 2,619 |
| Average equity | $24,098,000 | 2,936 |
| Average total loans | $182,004,000 | 2,408 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0507% | 1,451 |
| Cost of funding earning assets | 0.5189% | 1,099 |
| Net interest margin | 3.5317% | 1,762 |
| Noninterest income to average assets | 0.3386% | 3,412 |
| Noninterest expense to average assets | 2.0521% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2630% | 1,984 |
| Return on assets (ROA) | 1.2630% | 2,054 |
| Pretax return on assets | 1.6419% | 1,634 |
| Return on Equity (ROE) | 14.6929% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.0375% | 906 |
| Net charge-offs to loans | 0.0033% | 2,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 719.3333% | 193 |
| Efficiency ratio | 55.5510% | 3,597 |
| Assets per employee ($millions) | 5.9974% | 2,612 |
| Cash dividends to net income (ytd only)* | 18.0723% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3370% | 4,830 |
| Loan loss allowance to noncurrent loans | 461.4815% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,919 |
| Noncurrent loans to loans | 0.0730% | 3,821 |
| Net loans and leases to total assets | 68.2671% | 1,418 |
| Net loans and leases to deposits | 79.0068% | 1,517 |
| Net loans and leases to core deposits | 82.2735% | 1,700 |
| Total domestic deposits to total assets | 86.4066% | 2,590 |
| Equity capital to assets | 8.5923% | 4,138 |
| Core capital (leverage) ratio | 8.5034% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8726% | 2,016 |
| Memoranda: | ||
| Average total assets | $262,858,333 | 2,660 |
| Average earning assets | $249,737,333 | 2,633 |
| Average equity | $22,596,000 | 3,045 |
| Average total loans | $179,589,000 | 2,438 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 1,843 |
| Cost of funding earning assets | 0.5261% | 1,228 |
| Net interest margin | 3.3671% | 2,198 |
| Noninterest income to average assets | 0.3285% | 3,457 |
| Noninterest expense to average assets | 1.9958% | 3,726 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1861% | 2,207 |
| Return on assets (ROA) | 1.1861% | 2,277 |
| Pretax return on assets | 1.5408% | 1,884 |
| Return on Equity (ROE) | 13.7940% | 1,474 |
| Retained earnings to average equity (ytd only) | 13.7940% | 780 |
| Net charge-offs to loans | 0.0068% | 1,655 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 333.0000% | 271 |
| Efficiency ratio | 56.4326% | 3,496 |
| Assets per employee ($millions) | 5.9772% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3488% | 4,852 |
| Loan loss allowance to noncurrent loans | 533.3333% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 4,066 |
| Noncurrent loans to loans | 0.0654% | 3,961 |
| Net loans and leases to total assets | 66.2863% | 1,760 |
| Net loans and leases to deposits | 76.7324% | 1,829 |
| Net loans and leases to core deposits | 80.0457% | 1,998 |
| Total domestic deposits to total assets | 86.3864% | 2,582 |
| Equity capital to assets | 8.3302% | 4,253 |
| Core capital (leverage) ratio | 8.7319% | 3,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0569% | 1,882 |
| Memoranda: | ||
| Average total assets | $259,347,000 | 2,677 |
| Average earning assets | $247,099,000 | 2,630 |
| Average equity | $22,299,500 | 3,056 |
| Average total loans | $176,952,000 | 2,461 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 1,920 |
| Cost of funding earning assets | 0.7579% | 1,407 |
| Net interest margin | 3.5248% | 2,395 |
| Noninterest income to average assets | 0.3650% | 3,284 |
| Noninterest expense to average assets | 2.2371% | 3,568 |
| Loan and lease loss provision to assets | 0.1877% | 2,075 |
| Net operating income to assets | 1.0402% | 2,139 |
| Return on assets (ROA) | 1.0442% | 2,265 |
| Pretax return on assets | 1.3002% | 1,978 |
| Return on Equity (ROE) | 11.6690% | 1,424 |
| Retained earnings to average equity (ytd only) | 4.7232% | 2,405 |
| Net charge-offs to loans | 0.0047% | 3,191 |
| Credit loss provision to net charge-offs | 5,662.5000% | 190 |
| Earnings coverage of net charge-offs (x) | 447.3750% | 255 |
| Efficiency ratio | 60.1359% | 3,436 |
| Assets per employee ($millions) | 5.6755% | 2,657 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3583% | 4,876 |
| Loan loss allowance to noncurrent loans | 746.4286% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,193 |
| Noncurrent loans to loans | 0.0480% | 4,103 |
| Net loans and leases to total assets | 69.8222% | 1,585 |
| Net loans and leases to deposits | 81.6602% | 1,690 |
| Net loans and leases to core deposits | 85.4111% | 1,915 |
| Total domestic deposits to total assets | 85.5034% | 2,568 |
| Equity capital to assets | 8.8872% | 4,159 |
| Core capital (leverage) ratio | 8.4329% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6879% | 1,978 |
| Memoranda: | ||
| Average total assets | $241,340,000 | 2,646 |
| Average earning assets | $229,717,000 | 2,601 |
| Average equity | $21,595,600 | 3,050 |
| Average total loans | $171,210,800 | 2,477 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,199 |
| Cost of funding earning assets | 0.8249% | 1,381 |
| Net interest margin | 3.4413% | 2,779 |
| Noninterest income to average assets | 0.3734% | 3,213 |
| Noninterest expense to average assets | 2.1640% | 3,770 |
| Loan and lease loss provision to assets | 0.1856% | 2,133 |
| Net operating income to assets | 1.0407% | 2,187 |
| Return on assets (ROA) | 1.0460% | 2,292 |
| Pretax return on assets | 1.3063% | 2,020 |
| Return on Equity (ROE) | 11.6692% | 1,458 |
| Retained earnings to average equity (ytd only) | 6.0739% | 2,077 |
| Net charge-offs to loans | 0.0047% | 2,979 |
| Credit loss provision to net charge-offs | 5,550.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 444.1667% | 257 |
| Efficiency ratio | 59.3005% | 3,484 |
| Assets per employee ($millions) | 5.7441% | 2,503 |
| Cash dividends to net income (ytd only)* | 47.9489% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2903% | 4,936 |
| Loan loss allowance to noncurrent loans | 598.8235% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 4,289 |
| Noncurrent loans to loans | 0.0485% | 4,186 |
| Net loans and leases to total assets | 69.1828% | 2,080 |
| Net loans and leases to deposits | 85.7518% | 1,735 |
| Net loans and leases to core deposits | 89.7608% | 1,998 |
| Total domestic deposits to total assets | 80.6779% | 3,731 |
| Equity capital to assets | 8.7572% | 4,287 |
| Core capital (leverage) ratio | 8.5437% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0571% | 1,810 |
| Memoranda: | ||
| Average total assets | $239,245,000 | 2,631 |
| Average earning assets | $227,735,250 | 2,593 |
| Average equity | $21,446,250 | 3,055 |
| Average total loans | $170,266,750 | 2,481 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3776% | 2,259 |
| Cost of funding earning assets | 0.9036% | 1,362 |
| Net interest margin | 3.4740% | 2,870 |
| Noninterest income to average assets | 0.3382% | 3,449 |
| Noninterest expense to average assets | 2.1896% | 3,816 |
| Loan and lease loss provision to assets | 0.1815% | 2,205 |
| Net operating income to assets | 1.0180% | 2,260 |
| Return on assets (ROA) | 1.0173% | 2,390 |
| Pretax return on assets | 1.2746% | 2,113 |
| Return on Equity (ROE) | 11.2549% | 1,557 |
| Retained earnings to average equity (ytd only) | 5.5992% | 2,236 |
| Net charge-offs to loans | 0.0047% | 2,803 |
| Credit loss provision to net charge-offs | 5,325.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 427.5000% | 234 |
| Efficiency ratio | 60.0467% | 3,406 |
| Assets per employee ($millions) | 5.8729% | 2,295 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2238% | 4,988 |
| Loan loss allowance to noncurrent loans | 4,344.4444% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 4,225 |
| Noncurrent loans to loans | 0.0052% | 4,502 |
| Net loans and leases to total assets | 69.0399% | 2,181 |
| Net loans and leases to deposits | 85.6630% | 1,805 |
| Net loans and leases to core deposits | 89.9230% | 2,079 |
| Total domestic deposits to total assets | 80.5948% | 3,703 |
| Equity capital to assets | 8.6285% | 4,404 |
| Core capital (leverage) ratio | 8.6156% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0736% | 2,576 |
| Memoranda: | ||
| Average total assets | $234,746,000 | 2,641 |
| Average earning assets | $223,547,000 | 2,599 |
| Average equity | $21,217,333 | 3,062 |
| Average total loans | $168,568,000 | 2,484 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 2,117 |
| Cost of funding earning assets | 1.0402% | 1,258 |
| Net interest margin | 3.5245% | 2,896 |
| Noninterest income to average assets | 0.3524% | 3,411 |
| Noninterest expense to average assets | 2.0332% | 4,339 |
| Loan and lease loss provision to assets | 0.1151% | 2,242 |
| Net operating income to assets | 1.2465% | 1,386 |
| Return on assets (ROA) | 1.2451% | 1,492 |
| Pretax return on assets | 1.5568% | 1,160 |
| Return on Equity (ROE) | 13.4346% | 802 |
| Retained earnings to average equity (ytd only) | 7.7015% | 1,317 |
| Net charge-offs to loans | 0.0024% | 2,506 |
| Credit loss provision to net charge-offs | 6,500.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 945.0000% | 57 |
| Efficiency ratio | 54.8495% | 4,321 |
| Assets per employee ($millions) | 5.5726% | 2,053 |
| Cash dividends to net income (ytd only)* | 42.6743% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1461% | 5,043 |
| Loan loss allowance to noncurrent loans | 2,236.3636% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0046% | 4,622 |
| Noncurrent loans to loans | 0.0065% | 4,549 |
| Net loans and leases to total assets | 70.1622% | 2,225 |
| Net loans and leases to deposits | 88.3691% | 1,716 |
| Net loans and leases to core deposits | 92.3591% | 2,123 |
| Total domestic deposits to total assets | 79.3967% | 3,974 |
| Equity capital to assets | 8.8156% | 4,684 |
| Core capital (leverage) ratio | 9.2487% | 4,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2791% | 2,576 |
| Memoranda: | ||
| Average total assets | $225,851,500 | 2,666 |
| Average earning assets | $214,951,500 | 2,618 |
| Average equity | $20,931,000 | 3,081 |
| Average total loans | $165,481,500 | 2,481 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 2,376 |
| Cost of funding earning assets | 1.0142% | 1,667 |
| Net interest margin | 3.6693% | 2,909 |
| Noninterest income to average assets | 0.3949% | 3,326 |
| Noninterest expense to average assets | 2.4591% | 3,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1631% | 2,205 |
| Return on assets (ROA) | 1.1627% | 2,301 |
| Pretax return on assets | 1.4119% | 2,113 |
| Return on Equity (ROE) | 12.2673% | 1,411 |
| Retained earnings to average equity (ytd only) | 6.1994% | 1,767 |
| Net charge-offs to loans | 0.0072% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 267.9091% | 310 |
| Efficiency ratio | 63.5182% | 3,139 |
| Assets per employee ($millions) | 5.0495% | 2,527 |
| Cash dividends to net income (ytd only)* | 49.4641% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1119% | 5,104 |
| Loan loss allowance to noncurrent loans | 1,654.5455% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,657 |
| Noncurrent loans to loans | 0.0068% | 4,570 |
| Net loans and leases to total assets | 76.5797% | 1,319 |
| Net loans and leases to deposits | 99.6118% | 633 |
| Net loans and leases to core deposits | 104.8381% | 1,174 |
| Total domestic deposits to total assets | 76.8782% | 4,501 |
| Equity capital to assets | 9.7783% | 4,126 |
| Core capital (leverage) ratio | 9.7199% | 3,824 |
| Tier 1 risk-based capital ratio | 13.1357% | 3,719 |
| Total risk-based capital ratio | 13.2511% | 4,237 |
| Memoranda: | ||
| Average total assets | $208,650,000 | 2,773 |
| Average earning assets | $197,694,400 | 2,726 |
| Average equity | $19,776,200 | 3,153 |
| Average total loans | $151,806,200 | 2,598 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6295% | 2,633 |
| Cost of funding earning assets | 1.0429% | 1,571 |
| Net interest margin | 3.5867% | 3,287 |
| Noninterest income to average assets | 0.3844% | 3,413 |
| Noninterest expense to average assets | 2.4710% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0554% | 2,763 |
| Return on assets (ROA) | 1.0549% | 2,849 |
| Pretax return on assets | 1.3090% | 2,634 |
| Return on Equity (ROE) | 11.2202% | 1,919 |
| Retained earnings to average equity (ytd only) | 5.0778% | 2,855 |
| Net charge-offs to loans | 0.0080% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 226.7725% | 404 |
| Efficiency ratio | 65.3598% | 2,808 |
| Assets per employee ($millions) | 5.0659% | 2,479 |
| Cash dividends to net income (ytd only)* | 54.7444% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1159% | 5,179 |
| Loan loss allowance to noncurrent loans | 77.8723% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 4,163 |
| Noncurrent loans to loans | 0.1489% | 4,006 |
| Net loans and leases to total assets | 74.1092% | 1,800 |
| Net loans and leases to deposits | 98.6456% | 755 |
| Net loans and leases to core deposits | 102.9270% | 1,415 |
| Total domestic deposits to total assets | 75.1268% | 4,737 |
| Equity capital to assets | 9.4878% | 4,468 |
| Core capital (leverage) ratio | 9.4783% | 4,187 |
| Tier 1 risk-based capital ratio | 13.0374% | 3,821 |
| Total risk-based capital ratio | 13.1553% | 4,350 |
| Memoranda: | ||
| Average total assets | $207,792,250 | 2,799 |
| Average earning assets | $196,760,250 | 2,756 |
| Average equity | $19,535,750 | 3,196 |
| Average total loans | $149,109,500 | 2,655 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 2,773 |
| Cost of funding earning assets | 1.0198% | 1,602 |
| Net interest margin | 3.5494% | 3,436 |
| Noninterest income to average assets | 0.3784% | 3,413 |
| Noninterest expense to average assets | 2.4489% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0401% | 2,766 |
| Return on assets (ROA) | 1.0401% | 2,837 |
| Pretax return on assets | 1.2895% | 2,601 |
| Return on Equity (ROE) | 11.0981% | 1,939 |
| Retained earnings to average equity (ytd only) | 4.8865% | 2,825 |
| Net charge-offs to loans | 0.0109% | 2,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 166.1250% | 456 |
| Efficiency ratio | 65.5074% | 2,890 |
| Assets per employee ($millions) | 5.3926% | 2,056 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1221% | 5,231 |
| Loan loss allowance to noncurrent loans | 64.6853% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,078 |
| Noncurrent loans to loans | 0.1888% | 3,877 |
| Net loans and leases to total assets | 71.9583% | 2,219 |
| Net loans and leases to deposits | 95.7429% | 1,066 |
| Net loans and leases to core deposits | 100.5141% | 1,676 |
| Total domestic deposits to total assets | 75.1579% | 4,753 |
| Equity capital to assets | 9.4531% | 4,448 |
| Core capital (leverage) ratio | 9.4569% | 4,196 |
| Tier 1 risk-based capital ratio | 13.4060% | 3,626 |
| Total risk-based capital ratio | 13.5302% | 4,122 |
| Memoranda: | ||
| Average total assets | $206,134,000 | 2,817 |
| Average earning assets | $195,129,670 | 2,780 |
| Average equity | $19,318,670 | 3,215 |
| Average total loans | $146,191,670 | 2,697 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4885% | 2,915 |
| Cost of funding earning assets | 0.9698% | 1,699 |
| Net interest margin | 3.5187% | 3,544 |
| Noninterest income to average assets | 0.3587% | 3,455 |
| Noninterest expense to average assets | 2.6014% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8763% | 3,326 |
| Return on assets (ROA) | 0.8763% | 3,373 |
| Pretax return on assets | 1.0860% | 3,189 |
| Return on Equity (ROE) | 9.3920% | 2,635 |
| Retained earnings to average equity (ytd only) | 3.0886% | 3,699 |
| Net charge-offs to loans | 0.0111% | 2,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 138.5000% | 539 |
| Efficiency ratio | 70.5476% | 2,257 |
| Assets per employee ($millions) | 4.9406% | 2,597 |
| Cash dividends to net income (ytd only)* | 67.1141% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1284% | 5,294 |
| Loan loss allowance to noncurrent loans | 56.9277% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 4,010 |
| Noncurrent loans to loans | 0.2255% | 3,775 |
| Net loans and leases to total assets | 70.8539% | 2,349 |
| Net loans and leases to deposits | 94.3012% | 1,140 |
| Net loans and leases to core deposits | 97.8334% | 1,791 |
| Total domestic deposits to total assets | 75.1357% | 4,845 |
| Equity capital to assets | 9.2773% | 4,452 |
| Core capital (leverage) ratio | 9.7006% | 3,920 |
| Tier 1 risk-based capital ratio | 13.4717% | 3,617 |
| Total risk-based capital ratio | 13.6014% | 4,133 |
| Memoranda: | ||
| Average total assets | $204,045,000 | 2,862 |
| Average earning assets | $193,026,000 | 2,823 |
| Average equity | $19,037,500 | 3,260 |
| Average total loans | $143,526,500 | 2,760 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2650% | 3,228 |
| Cost of funding earning assets | 0.7107% | 2,025 |
| Net interest margin | 3.5544% | 3,531 |
| Noninterest income to average assets | 0.4669% | 3,015 |
| Noninterest expense to average assets | 2.4814% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1370% | 2,445 |
| Return on assets (ROA) | 1.1335% | 2,460 |
| Pretax return on assets | 1.3382% | 2,374 |
| Return on Equity (ROE) | 12.1019% | 1,682 |
| Retained earnings to average equity (ytd only) | 5.5277% | 2,467 |
| Net charge-offs to loans | 0.0149% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 137.6842% | 590 |
| Efficiency ratio | 64.8953% | 3,044 |
| Assets per employee ($millions) | 5.0146% | 2,484 |
| Cash dividends to net income (ytd only)* | 54.3232% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1380% | 5,337 |
| Loan loss allowance to noncurrent loans | 42.5110% | 4,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2263% | 3,696 |
| Noncurrent loans to loans | 0.3247% | 3,389 |
| Net loans and leases to total assets | 69.6192% | 2,627 |
| Net loans and leases to deposits | 93.6379% | 1,319 |
| Net loans and leases to core deposits | 97.2641% | 1,947 |
| Total domestic deposits to total assets | 74.3494% | 4,921 |
| Equity capital to assets | 9.3846% | 4,234 |
| Core capital (leverage) ratio | 9.7447% | 3,862 |
| Tier 1 risk-based capital ratio | 13.8060% | 3,382 |
| Total risk-based capital ratio | 13.9427% | 3,904 |
| Memoranda: | ||
| Average total assets | $194,889,200 | 2,916 |
| Average earning assets | $184,056,000 | 2,876 |
| Average equity | $18,253,400 | 3,270 |
| Average total loans | $127,877,000 | 2,904 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 3,369 |
| Cost of funding earning assets | 0.6477% | 2,163 |
| Net interest margin | 3.5378% | 3,565 |
| Noninterest income to average assets | 0.4783% | 2,995 |
| Noninterest expense to average assets | 2.5609% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0134% | 3,028 |
| Return on assets (ROA) | 1.0089% | 3,057 |
| Pretax return on assets | 1.2508% | 2,807 |
| Return on Equity (ROE) | 10.7779% | 2,277 |
| Retained earnings to average equity (ytd only) | 4.1521% | 3,698 |
| Net charge-offs to loans | 0.0117% | 2,993 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 165.6858% | 500 |
| Efficiency ratio | 67.0879% | 2,698 |
| Assets per employee ($millions) | 4.8358% | 2,675 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1478% | 5,406 |
| Loan loss allowance to noncurrent loans | 114.2045% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,524 |
| Noncurrent loans to loans | 0.1294% | 4,305 |
| Net loans and leases to total assets | 68.5009% | 2,866 |
| Net loans and leases to deposits | 92.5082% | 1,563 |
| Net loans and leases to core deposits | 96.1488% | 2,105 |
| Total domestic deposits to total assets | 74.0485% | 4,975 |
| Equity capital to assets | 9.1907% | 4,377 |
| Core capital (leverage) ratio | 9.8868% | 3,760 |
| Tier 1 risk-based capital ratio | 13.9231% | 3,409 |
| Total risk-based capital ratio | 14.0700% | 3,908 |
| Memoranda: | ||
| Average total assets | $193,465,500 | 2,952 |
| Average earning assets | $182,597,000 | 2,916 |
| Average equity | $18,110,750 | 3,301 |
| Average total loans | $124,886,750 | 2,969 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 3,187 |
| Cost of funding earning assets | 0.6080% | 2,170 |
| Net interest margin | 3.5674% | 3,419 |
| Noninterest income to average assets | 0.5264% | 2,716 |
| Noninterest expense to average assets | 2.5560% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0742% | 2,694 |
| Return on assets (ROA) | 1.0674% | 2,724 |
| Pretax return on assets | 1.3259% | 2,412 |
| Return on Equity (ROE) | 11.3314% | 1,985 |
| Retained earnings to average equity (ytd only) | 4.6919% | 3,239 |
| Net charge-offs to loans | 0.0132% | 2,694 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 490 |
| Efficiency ratio | 65.7020% | 3,030 |
| Assets per employee ($millions) | 4.5378% | 3,074 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1621% | 5,464 |
| Loan loss allowance to noncurrent loans | 135.0993% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,603 |
| Noncurrent loans to loans | 0.1200% | 4,367 |
| Net loans and leases to total assets | 67.5188% | 2,941 |
| Net loans and leases to deposits | 89.8279% | 1,859 |
| Net loans and leases to core deposits | 93.5430% | 2,260 |
| Total domestic deposits to total assets | 75.1646% | 4,940 |
| Equity capital to assets | 9.7308% | 3,888 |
| Core capital (leverage) ratio | 10.1074% | 3,470 |
| Tier 1 risk-based capital ratio | 15.0880% | 2,831 |
| Total risk-based capital ratio | 15.2508% | 3,281 |
| Memoranda: | ||
| Average total assets | $191,865,330 | 2,988 |
| Average earning assets | $180,917,670 | 2,953 |
| Average equity | $18,073,670 | 3,323 |
| Average total loans | $121,177,330 | 3,022 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0480% | 3,428 |
| Cost of funding earning assets | 0.5199% | 2,639 |
| Net interest margin | 3.5281% | 3,431 |
| Noninterest income to average assets | 0.6633% | 1,985 |
| Noninterest expense to average assets | 2.7211% | 2,971 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0590% | 2,615 |
| Return on assets (ROA) | 1.0453% | 2,684 |
| Pretax return on assets | 1.2568% | 2,523 |
| Return on Equity (ROE) | 11.2745% | 1,861 |
| Retained earnings to average equity (ytd only) | 4.6294% | 3,349 |
| Net charge-offs to loans | 0.0101% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 206.6667% | 330 |
| Efficiency ratio | 68.1234% | 2,806 |
| Assets per employee ($millions) | 4.9212% | 2,580 |
| Cash dividends to net income (ytd only)* | 58.9391% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1731% | 5,523 |
| Loan loss allowance to noncurrent loans | 178.6325% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 4,786 |
| Noncurrent loans to loans | 0.0969% | 4,539 |
| Net loans and leases to total assets | 62.7886% | 3,445 |
| Net loans and leases to deposits | 82.6009% | 2,539 |
| Net loans and leases to core deposits | 88.5991% | 2,586 |
| Total domestic deposits to total assets | 76.0144% | 4,960 |
| Equity capital to assets | 9.3540% | 4,225 |
| Core capital (leverage) ratio | 8.8895% | 4,811 |
| Tier 1 risk-based capital ratio | 15.7679% | 2,565 |
| Total risk-based capital ratio | 15.9442% | 2,942 |
| Memoranda: | ||
| Average total assets | $194,773,500 | 2,987 |
| Average earning assets | $183,893,500 | 2,953 |
| Average equity | $18,058,500 | 3,346 |
| Average total loans | $118,855,000 | 3,080 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 4,107 |
| Cost of funding earning assets | 0.4035% | 3,218 |
| Net interest margin | 3.3771% | 3,920 |
| Noninterest income to average assets | 0.3804% | 3,760 |
| Noninterest expense to average assets | 2.4009% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8677% | 2,878 |
| Return on assets (ROA) | 0.8685% | 2,895 |
| Pretax return on assets | 1.1729% | 2,884 |
| Return on Equity (ROE) | 9.2090% | 2,209 |
| Retained earnings to average equity (ytd only) | 2.5878% | 3,773 |
| Net charge-offs to loans | 0.0037% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 563.0000% | 154 |
| Efficiency ratio | 67.2007% | 3,051 |
| Assets per employee ($millions) | 5.0672% | 2,403 |
| Cash dividends to net income (ytd only)* | 71.8993% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1812% | 5,584 |
| Loan loss allowance to noncurrent loans | 165.6250% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,801 |
| Noncurrent loans to loans | 0.1094% | 4,496 |
| Net loans and leases to total assets | 59.0935% | 3,913 |
| Net loans and leases to deposits | 77.2871% | 3,195 |
| Net loans and leases to core deposits | 79.2578% | 3,481 |
| Total domestic deposits to total assets | 76.4598% | 4,925 |
| Equity capital to assets | 9.1914% | 4,537 |
| Core capital (leverage) ratio | 9.4191% | 4,137 |
| Tier 1 risk-based capital ratio | 15.2502% | 2,727 |
| Total risk-based capital ratio | 15.4252% | 3,168 |
| Memoranda: | ||
| Average total assets | $192,175,800 | 2,996 |
| Average earning assets | $181,667,400 | 2,945 |
| Average equity | $18,123,600 | 3,349 |
| Average total loans | $107,261,600 | 3,223 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,214 |
| Cost of funding earning assets | 0.4074% | 3,112 |
| Net interest margin | 3.3328% | 4,069 |
| Noninterest income to average assets | 0.4227% | 3,534 |
| Noninterest expense to average assets | 2.2842% | 4,342 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9255% | 2,898 |
| Return on assets (ROA) | 0.9265% | 2,957 |
| Pretax return on assets | 1.2899% | 2,542 |
| Return on Equity (ROE) | 9.7605% | 2,225 |
| Retained earnings to average equity (ytd only) | 3.1357% | 4,043 |
| Net charge-offs to loans | 0.0025% | 3,660 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 920.8277% | 109 |
| Efficiency ratio | 63.9351% | 3,558 |
| Assets per employee ($millions) | 4.8694% | 2,608 |
| Cash dividends to net income (ytd only)* | 67.8731% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1944% | 5,652 |
| Loan loss allowance to noncurrent loans | 142.6667% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 4,860 |
| Noncurrent loans to loans | 0.1363% | 4,511 |
| Net loans and leases to total assets | 56.4097% | 4,197 |
| Net loans and leases to deposits | 75.1128% | 3,458 |
| Net loans and leases to core deposits | 76.9277% | 3,731 |
| Total domestic deposits to total assets | 75.1000% | 5,119 |
| Equity capital to assets | 9.5397% | 4,407 |
| Core capital (leverage) ratio | 9.6154% | 4,022 |
| Tier 1 risk-based capital ratio | 15.9203% | 2,540 |
| Total risk-based capital ratio | 16.1051% | 2,909 |
| Memoranda: | ||
| Average total assets | $190,815,000 | 3,040 |
| Average earning assets | $180,346,750 | 2,988 |
| Average equity | $18,113,500 | 3,377 |
| Average total loans | $104,829,000 | 3,294 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6850% | 4,270 |
| Cost of funding earning assets | 0.4013% | 3,063 |
| Net interest margin | 3.2837% | 4,154 |
| Noninterest income to average assets | 0.4486% | 3,363 |
| Noninterest expense to average assets | 2.2175% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9522% | 2,645 |
| Return on assets (ROA) | 0.9552% | 2,693 |
| Pretax return on assets | 1.3446% | 2,234 |
| Return on Equity (ROE) | 10.0793% | 2,005 |
| Retained earnings to average equity (ytd only) | 3.3969% | 3,690 |
| Net charge-offs to loans | 0.0019% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,270.0000% | 52 |
| Efficiency ratio | 62.3257% | 3,937 |
| Assets per employee ($millions) | 5.0301% | 2,357 |
| Cash dividends to net income (ytd only)* | 66.2983% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2046% | 5,700 |
| Loan loss allowance to noncurrent loans | 302.8169% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,108 |
| Noncurrent loans to loans | 0.0676% | 4,854 |
| Net loans and leases to total assets | 54.8735% | 4,325 |
| Net loans and leases to deposits | 72.8065% | 3,664 |
| Net loans and leases to core deposits | 74.2008% | 3,927 |
| Total domestic deposits to total assets | 75.3690% | 5,159 |
| Equity capital to assets | 9.6529% | 4,274 |
| Core capital (leverage) ratio | 9.5103% | 4,122 |
| Tier 1 risk-based capital ratio | 16.7586% | 2,214 |
| Total risk-based capital ratio | 16.9554% | 2,556 |
| Memoranda: | ||
| Average total assets | $189,495,000 | 3,063 |
| Average earning assets | $179,432,330 | 3,009 |
| Average equity | $17,957,670 | 3,400 |
| Average total loans | $103,076,670 | 3,337 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,330 |
| Cost of funding earning assets | 0.4013% | 2,982 |
| Net interest margin | 3.2302% | 4,245 |
| Noninterest income to average assets | 0.4473% | 3,331 |
| Noninterest expense to average assets | 2.1964% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9352% | 2,585 |
| Return on assets (ROA) | 0.9413% | 2,616 |
| Pretax return on assets | 1.3145% | 2,187 |
| Return on Equity (ROE) | 10.0277% | 1,948 |
| Retained earnings to average equity (ytd only) | 3.2522% | 3,807 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7119% | 4,038 |
| Assets per employee ($millions) | 4.9293% | 2,537 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2102% | 5,773 |
| Loan loss allowance to noncurrent loans | 192.8571% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,052 |
| Noncurrent loans to loans | 0.1090% | 4,757 |
| Net loans and leases to total assets | 53.3520% | 4,387 |
| Net loans and leases to deposits | 70.5178% | 3,741 |
| Net loans and leases to core deposits | 71.7706% | 4,003 |
| Total domestic deposits to total assets | 75.6575% | 5,265 |
| Equity capital to assets | 9.3236% | 4,484 |
| Core capital (leverage) ratio | 9.6452% | 3,936 |
| Tier 1 risk-based capital ratio | 17.3871% | 2,071 |
| Total risk-based capital ratio | 17.5939% | 2,361 |
| Memoranda: | ||
| Average total assets | $188,670,000 | 3,096 |
| Average earning assets | $178,438,500 | 3,050 |
| Average equity | $17,711,000 | 3,450 |
| Average total loans | $102,063,500 | 3,382 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 4,010 |
| Cost of funding earning assets | 0.3964% | 3,033 |
| Net interest margin | 3.3676% | 3,928 |
| Noninterest income to average assets | 0.4062% | 3,828 |
| Noninterest expense to average assets | 2.2025% | 4,766 |
| Loan and lease loss provision to assets | 0.0055% | 4,247 |
| Net operating income to assets | 1.0041% | 2,338 |
| Return on assets (ROA) | 1.0030% | 2,445 |
| Pretax return on assets | 1.4201% | 1,863 |
| Return on Equity (ROE) | 10.3528% | 1,829 |
| Retained earnings to average equity (ytd only) | 3.5899% | 3,370 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6799% | 4,475 |
| Assets per employee ($millions) | 5.1416% | 2,241 |
| Cash dividends to net income (ytd only)* | 65.3239% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2131% | 5,828 |
| Loan loss allowance to noncurrent loans | 1,661.5385% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,389 |
| Noncurrent loans to loans | 0.0128% | 5,230 |
| Net loans and leases to total assets | 54.6360% | 4,380 |
| Net loans and leases to deposits | 74.7100% | 3,447 |
| Net loans and leases to core deposits | 76.1359% | 3,742 |
| Total domestic deposits to total assets | 73.1307% | 5,493 |
| Equity capital to assets | 9.3849% | 4,388 |
| Core capital (leverage) ratio | 9.9735% | 3,516 |
| Tier 1 risk-based capital ratio | 17.1111% | 2,122 |
| Total risk-based capital ratio | 17.3178% | 2,456 |
| Memoranda: | ||
| Average total assets | $183,154,800 | 3,134 |
| Average earning assets | $175,315,200 | 3,054 |
| Average equity | $17,744,000 | 3,446 |
| Average total loans | $97,569,000 | 3,431 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7530% | 4,072 |
| Cost of funding earning assets | 0.3930% | 3,092 |
| Net interest margin | 3.3600% | 3,994 |
| Noninterest income to average assets | 0.3985% | 3,930 |
| Noninterest expense to average assets | 2.2284% | 4,692 |
| Loan and lease loss provision to assets | 0.0073% | 4,082 |
| Net operating income to assets | 0.9876% | 2,490 |
| Return on assets (ROA) | 0.9861% | 2,632 |
| Pretax return on assets | 1.3868% | 2,088 |
| Return on Equity (ROE) | 10.0985% | 2,013 |
| Retained earnings to average equity (ytd only) | 3.3711% | 3,879 |
| Net charge-offs to loans | 0.0028% | 3,842 |
| Credit loss provision to net charge-offs | 500.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 955.2809% | 82 |
| Efficiency ratio | 61.4781% | 4,318 |
| Assets per employee ($millions) | 4.8789% | 2,524 |
| Cash dividends to net income (ytd only)* | 66.6173% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2191% | 5,887 |
| Loan loss allowance to noncurrent loans | 178.3333% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,168 |
| Noncurrent loans to loans | 0.1229% | 4,852 |
| Net loans and leases to total assets | 55.4770% | 4,361 |
| Net loans and leases to deposits | 70.9167% | 3,895 |
| Net loans and leases to core deposits | 72.2470% | 4,140 |
| Total domestic deposits to total assets | 78.2284% | 4,872 |
| Equity capital to assets | 10.3876% | 3,696 |
| Core capital (leverage) ratio | 9.9272% | 3,665 |
| Tier 1 risk-based capital ratio | 19.1073% | 1,648 |
| Total risk-based capital ratio | 19.3384% | 1,857 |
| Memoranda: | ||
| Average total assets | $182,669,500 | 3,146 |
| Average earning assets | $175,394,250 | 3,068 |
| Average equity | $17,837,250 | 3,458 |
| Average total loans | $96,625,000 | 3,459 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 4,393 |
| Cost of funding earning assets | 0.3785% | 3,264 |
| Net interest margin | 3.2886% | 4,269 |
| Noninterest income to average assets | 0.3794% | 4,028 |
| Noninterest expense to average assets | 2.1588% | 4,934 |
| Loan and lease loss provision to assets | 0.0108% | 3,882 |
| Net operating income to assets | 0.9737% | 2,505 |
| Return on assets (ROA) | 0.9729% | 2,653 |
| Pretax return on assets | 1.3740% | 2,121 |
| Return on Equity (ROE) | 10.1687% | 1,973 |
| Retained earnings to average equity (ytd only) | 3.3896% | 3,734 |
| Net charge-offs to loans | -0.0042% | 4,485 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9027% | 4,525 |
| Assets per employee ($millions) | 5.1371% | 2,156 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2243% | 5,967 |
| Loan loss allowance to noncurrent loans | 187.9310% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 5,084 |
| Noncurrent loans to loans | 0.1193% | 4,969 |
| Net loans and leases to total assets | 53.9441% | 4,515 |
| Net loans and leases to deposits | 68.4742% | 4,138 |
| Net loans and leases to core deposits | 69.7175% | 4,343 |
| Total domestic deposits to total assets | 78.7802% | 4,834 |
| Equity capital to assets | 10.1007% | 4,088 |
| Core capital (leverage) ratio | 9.5206% | 4,181 |
| Tier 1 risk-based capital ratio | 19.2943% | 1,630 |
| Total risk-based capital ratio | 19.5340% | 1,821 |
| Memoranda: | ||
| Average total assets | $185,012,000 | 3,134 |
| Average earning assets | $178,069,000 | 3,062 |
| Average equity | $17,701,330 | 3,484 |
| Average total loans | $96,281,670 | 3,476 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 4,643 |
| Cost of funding earning assets | 0.3824% | 3,271 |
| Net interest margin | 3.2073% | 4,559 |
| Noninterest income to average assets | 0.3667% | 4,101 |
| Noninterest expense to average assets | 2.1235% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9615% | 2,454 |
| Return on assets (ROA) | 0.9615% | 2,572 |
| Pretax return on assets | 1.3368% | 2,152 |
| Return on Equity (ROE) | 10.3254% | 1,843 |
| Retained earnings to average equity (ytd only) | 3.4571% | 3,771 |
| Net charge-offs to loans | -0.0543% | 5,370 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3678% | 4,547 |
| Assets per employee ($millions) | 5.3775% | 1,946 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2287% | 6,030 |
| Loan loss allowance to noncurrent loans | 73.4899% | 4,226 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 4,943 |
| Noncurrent loans to loans | 0.3112% | 4,314 |
| Net loans and leases to total assets | 50.7640% | 4,742 |
| Net loans and leases to deposits | 61.4916% | 4,617 |
| Net loans and leases to core deposits | 62.5106% | 4,783 |
| Total domestic deposits to total assets | 82.5544% | 4,050 |
| Equity capital to assets | 9.3952% | 4,771 |
| Core capital (leverage) ratio | 9.3439% | 4,440 |
| Tier 1 risk-based capital ratio | 19.3616% | 1,639 |
| Total risk-based capital ratio | 19.6054% | 1,854 |
| Memoranda: | ||
| Average total assets | $187,618,500 | 3,118 |
| Average earning assets | $180,960,000 | 3,038 |
| Average equity | $17,471,500 | 3,517 |
| Average total loans | $95,818,000 | 3,498 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 4,936 |
| Cost of funding earning assets | 0.3993% | 3,173 |
| Net interest margin | 3.0950% | 4,909 |
| Noninterest income to average assets | 0.3884% | 4,121 |
| Noninterest expense to average assets | 1.9612% | 5,526 |
| Loan and lease loss provision to assets | 0.0159% | 4,092 |
| Net operating income to assets | 1.0018% | 2,354 |
| Return on assets (ROA) | 1.0439% | 2,240 |
| Pretax return on assets | 1.4774% | 1,629 |
| Return on Equity (ROE) | 11.9903% | 1,304 |
| Retained earnings to average equity (ytd only) | 6.5125% | 1,534 |
| Net charge-offs to loans | 0.0420% | 3,381 |
| Credit loss provision to net charge-offs | 76.9231% | 3,004 |
| Earnings coverage of net charge-offs (x) | 69.3846% | 778 |
| Efficiency ratio | 57.7649% | 5,165 |
| Assets per employee ($millions) | 5.6668% | 1,641 |
| Cash dividends to net income (ytd only)* | 45.6853% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2149% | 6,084 |
| Loan loss allowance to noncurrent loans | 83.4008% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1856% | 4,865 |
| Noncurrent loans to loans | 0.2576% | 4,515 |
| Net loans and leases to total assets | 51.1569% | 4,759 |
| Net loans and leases to deposits | 62.6394% | 4,585 |
| Net loans and leases to core deposits | 63.6937% | 4,752 |
| Total domestic deposits to total assets | 81.6689% | 4,277 |
| Equity capital to assets | 9.1703% | 4,948 |
| Core capital (leverage) ratio | 8.9540% | 4,936 |
| Tier 1 risk-based capital ratio | 18.6000% | 1,806 |
| Total risk-based capital ratio | 18.8236% | 2,053 |
| Memoranda: | ||
| Average total assets | $188,712,600 | 3,068 |
| Average earning assets | $183,327,800 | 2,960 |
| Average equity | $16,430,000 | 3,612 |
| Average total loans | $92,891,400 | 3,522 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,131 |
| Cost of funding earning assets | 0.3978% | 3,248 |
| Net interest margin | 3.0358% | 5,114 |
| Noninterest income to average assets | 0.3877% | 4,171 |
| Noninterest expense to average assets | 2.0147% | 5,456 |
| Loan and lease loss provision to assets | 0.0134% | 4,003 |
| Net operating income to assets | 0.9273% | 2,819 |
| Return on assets (ROA) | 0.9834% | 2,639 |
| Pretax return on assets | 1.3922% | 2,049 |
| Return on Equity (ROE) | 11.4457% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.0614% | 3,570 |
| Net charge-offs to loans | 0.0347% | 3,219 |
| Credit loss provision to net charge-offs | 79.1667% | 2,625 |
| Earnings coverage of net charge-offs (x) | 78.4147% | 754 |
| Efficiency ratio | 60.2954% | 4,850 |
| Assets per employee ($millions) | 5.6895% | 1,599 |
| Cash dividends to net income (ytd only)* | 64.5163% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2230% | 6,168 |
| Loan loss allowance to noncurrent loans | 81.3953% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 5,014 |
| Noncurrent loans to loans | 0.2739% | 4,598 |
| Net loans and leases to total assets | 48.5776% | 5,042 |
| Net loans and leases to deposits | 58.9397% | 4,925 |
| Net loans and leases to core deposits | 59.8878% | 5,072 |
| Total domestic deposits to total assets | 82.4191% | 4,015 |
| Equity capital to assets | 8.5405% | 5,684 |
| Core capital (leverage) ratio | 8.7339% | 5,311 |
| Tier 1 risk-based capital ratio | 18.3616% | 1,937 |
| Total risk-based capital ratio | 18.5945% | 2,189 |
| Memoranda: | ||
| Average total assets | $189,139,500 | 3,088 |
| Average earning assets | $184,019,750 | 2,980 |
| Average equity | $16,250,250 | 3,666 |
| Average total loans | $92,146,250 | 3,571 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 5,180 |
| Cost of funding earning assets | 0.4006% | 3,272 |
| Net interest margin | 3.0216% | 5,174 |
| Noninterest income to average assets | 0.3846% | 4,198 |
| Noninterest expense to average assets | 1.9690% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9420% | 2,675 |
| Return on assets (ROA) | 1.0282% | 2,360 |
| Pretax return on assets | 1.4544% | 1,785 |
| Return on Equity (ROE) | 11.9431% | 1,389 |
| Retained earnings to average equity (ytd only) | 4.5173% | 3,148 |
| Net charge-offs to loans | 0.0066% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 417.0000% | 156 |
| Efficiency ratio | 59.6321% | 5,030 |
| Assets per employee ($millions) | 5.5194% | 1,715 |
| Cash dividends to net income (ytd only)* | 62.1762% | 1,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2263% | 6,242 |
| Loan loss allowance to noncurrent loans | 75.4448% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 5,175 |
| Noncurrent loans to loans | 0.2999% | 4,614 |
| Net loans and leases to total assets | 49.8183% | 4,948 |
| Net loans and leases to deposits | 60.7288% | 4,791 |
| Net loans and leases to core deposits | 61.7391% | 4,960 |
| Total domestic deposits to total assets | 82.0340% | 4,286 |
| Equity capital to assets | 8.6092% | 5,591 |
| Core capital (leverage) ratio | 8.6083% | 5,432 |
| Tier 1 risk-based capital ratio | 18.1825% | 2,013 |
| Total risk-based capital ratio | 18.4171% | 2,293 |
| Memoranda: | ||
| Average total assets | $187,705,000 | 3,133 |
| Average earning assets | $181,230,670 | 3,036 |
| Average equity | $16,160,000 | 3,699 |
| Average total loans | $91,468,330 | 3,607 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2796% | 5,490 |
| Cost of funding earning assets | 0.3802% | 3,526 |
| Net interest margin | 2.8994% | 5,456 |
| Noninterest income to average assets | 0.3154% | 4,666 |
| Noninterest expense to average assets | 1.9198% | 5,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8658% | 2,925 |
| Return on assets (ROA) | 1.0398% | 2,225 |
| Pretax return on assets | 1.4681% | 1,668 |
| Return on Equity (ROE) | 12.0777% | 1,327 |
| Retained earnings to average equity (ytd only) | 4.6529% | 3,234 |
| Net charge-offs to loans | 0.0089% | 3,034 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 287.0000% | 199 |
| Efficiency ratio | 61.0847% | 4,952 |
| Assets per employee ($millions) | 5.8170% | 1,539 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2345% | 6,314 |
| Loan loss allowance to noncurrent loans | 64.1566% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1730% | 5,263 |
| Noncurrent loans to loans | 0.3656% | 4,494 |
| Net loans and leases to total assets | 47.2007% | 5,111 |
| Net loans and leases to deposits | 57.5009% | 4,952 |
| Net loans and leases to core deposits | 58.5305% | 5,087 |
| Total domestic deposits to total assets | 82.0870% | 4,487 |
| Equity capital to assets | 8.5210% | 5,726 |
| Core capital (leverage) ratio | 8.7306% | 5,290 |
| Tier 1 risk-based capital ratio | 19.5642% | 1,718 |
| Total risk-based capital ratio | 19.8206% | 1,935 |
| Memoranda: | ||
| Average total assets | $187,727,500 | 3,145 |
| Average earning assets | $183,071,500 | 3,029 |
| Average equity | $16,162,000 | 3,720 |
| Average total loans | $90,352,000 | 3,636 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6227% | 5,023 |
| Cost of funding earning assets | 0.3678% | 4,061 |
| Net interest margin | 3.2549% | 4,732 |
| Noninterest income to average assets | 0.4320% | 3,957 |
| Noninterest expense to average assets | 2.0498% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0761% | 2,068 |
| Return on assets (ROA) | 1.0749% | 2,124 |
| Pretax return on assets | 1.5501% | 1,382 |
| Return on Equity (ROE) | 12.6743% | 1,218 |
| Retained earnings to average equity (ytd only) | 4.6314% | 2,876 |
| Net charge-offs to loans | 0.0136% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 227.5000% | 239 |
| Efficiency ratio | 56.9129% | 5,577 |
| Assets per employee ($millions) | 5.5604% | 1,716 |
| Cash dividends to net income (ytd only)* | 63.4585% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2392% | 6,404 |
| Loan loss allowance to noncurrent loans | 64.7590% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 5,306 |
| Noncurrent loans to loans | 0.3694% | 4,547 |
| Net loans and leases to total assets | 48.8675% | 5,084 |
| Net loans and leases to deposits | 58.7936% | 5,001 |
| Net loans and leases to core deposits | 60.2768% | 5,127 |
| Total domestic deposits to total assets | 83.1172% | 4,034 |
| Equity capital to assets | 8.6237% | 5,630 |
| Core capital (leverage) ratio | 8.7526% | 5,292 |
| Tier 1 risk-based capital ratio | 19.2253% | 1,788 |
| Total risk-based capital ratio | 19.4849% | 2,027 |
| Memoranda: | ||
| Average total assets | $175,920,000 | 3,263 |
| Average earning assets | $171,309,800 | 3,142 |
| Average equity | $14,920,000 | 3,850 |
| Average total loans | $88,048,200 | 3,674 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 5,047 |
| Cost of funding earning assets | 0.3581% | 4,252 |
| Net interest margin | 3.2781% | 4,688 |
| Noninterest income to average assets | 0.4091% | 4,170 |
| Noninterest expense to average assets | 2.0847% | 5,609 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0781% | 2,121 |
| Return on assets (ROA) | 1.0764% | 2,194 |
| Pretax return on assets | 1.5131% | 1,607 |
| Return on Equity (ROE) | 12.7487% | 1,283 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,377 |
| Net charge-offs to loans | 0.0228% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 131.8635% | 453 |
| Efficiency ratio | 57.9059% | 5,462 |
| Assets per employee ($millions) | 5.4379% | 1,781 |
| Cash dividends to net income (ytd only)* | 64.0568% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2355% | 6,482 |
| Loan loss allowance to noncurrent loans | 83.1373% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 5,619 |
| Noncurrent loans to loans | 0.2833% | 5,062 |
| Net loans and leases to total assets | 50.0404% | 5,005 |
| Net loans and leases to deposits | 58.5339% | 5,062 |
| Net loans and leases to core deposits | 59.8973% | 5,197 |
| Total domestic deposits to total assets | 85.4896% | 3,117 |
| Equity capital to assets | 8.5433% | 5,767 |
| Core capital (leverage) ratio | 8.9809% | 5,099 |
| Tier 1 risk-based capital ratio | 19.5047% | 1,778 |
| Total risk-based capital ratio | 19.7675% | 2,007 |
| Memoranda: | ||
| Average total assets | $174,026,500 | 3,305 |
| Average earning assets | $169,403,500 | 3,192 |
| Average equity | $14,694,000 | 3,912 |
| Average total loans | $87,589,250 | 3,718 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6432% | 5,030 |
| Cost of funding earning assets | 0.3604% | 4,315 |
| Net interest margin | 3.2829% | 4,659 |
| Noninterest income to average assets | 0.4227% | 4,069 |
| Noninterest expense to average assets | 2.0811% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0843% | 1,992 |
| Return on assets (ROA) | 1.0835% | 2,059 |
| Pretax return on assets | 1.5353% | 1,444 |
| Return on Equity (ROE) | 12.8853% | 1,205 |
| Retained earnings to average equity (ytd only) | 4.5989% | 3,233 |
| Net charge-offs to loans | 0.0254% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 120.2727% | 485 |
| Efficiency ratio | 57.5281% | 5,609 |
| Assets per employee ($millions) | 5.3066% | 1,874 |
| Cash dividends to net income (ytd only)* | 64.3087% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2438% | 6,557 |
| Loan loss allowance to noncurrent loans | 84.3750% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 5,415 |
| Noncurrent loans to loans | 0.2890% | 5,154 |
| Net loans and leases to total assets | 50.4631% | 4,910 |
| Net loans and leases to deposits | 59.1408% | 4,935 |
| Net loans and leases to core deposits | 60.4442% | 5,107 |
| Total domestic deposits to total assets | 85.3270% | 3,347 |
| Equity capital to assets | 8.6022% | 5,715 |
| Core capital (leverage) ratio | 8.9189% | 5,136 |
| Tier 1 risk-based capital ratio | 19.7150% | 1,757 |
| Total risk-based capital ratio | 19.9886% | 1,955 |
| Memoranda: | ||
| Average total assets | $172,218,330 | 3,350 |
| Average earning assets | $167,597,670 | 3,222 |
| Average equity | $14,481,670 | 3,953 |
| Average total loans | $86,782,330 | 3,752 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6049% | 5,152 |
| Cost of funding earning assets | 0.3612% | 4,427 |
| Net interest margin | 3.2437% | 4,765 |
| Noninterest income to average assets | 0.3724% | 4,410 |
| Noninterest expense to average assets | 2.0191% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0845% | 1,878 |
| Return on assets (ROA) | 1.0845% | 1,940 |
| Pretax return on assets | 1.5085% | 1,408 |
| Return on Equity (ROE) | 13.0510% | 1,148 |
| Retained earnings to average equity (ytd only) | 4.5946% | 3,365 |
| Net charge-offs to loans | 0.0326% | 2,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 490 |
| Efficiency ratio | 57.2377% | 5,727 |
| Assets per employee ($millions) | 5.4794% | 1,727 |
| Cash dividends to net income (ytd only)* | 64.7948% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2555% | 6,621 |
| Loan loss allowance to noncurrent loans | 66.0661% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 5,548 |
| Noncurrent loans to loans | 0.3867% | 4,966 |
| Net loans and leases to total assets | 48.9834% | 5,003 |
| Net loans and leases to deposits | 57.2755% | 5,010 |
| Net loans and leases to core deposits | 58.5315% | 5,157 |
| Total domestic deposits to total assets | 85.5225% | 3,600 |
| Equity capital to assets | 8.2930% | 5,833 |
| Core capital (leverage) ratio | 9.1028% | 4,865 |
| Tier 1 risk-based capital ratio | 20.2489% | 1,659 |
| Total risk-based capital ratio | 20.5383% | 1,852 |
| Memoranda: | ||
| Average total assets | $170,768,500 | 3,394 |
| Average earning assets | $166,105,500 | 3,267 |
| Average equity | $14,190,500 | 4,012 |
| Average total loans | $85,880,500 | 3,798 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 5,492 |
| Cost of funding earning assets | 0.3528% | 5,106 |
| Net interest margin | 3.2129% | 4,963 |
| Noninterest income to average assets | 0.4981% | 3,775 |
| Noninterest expense to average assets | 2.0838% | 5,862 |
| Loan and lease loss provision to assets | 0.0079% | 4,963 |
| Net operating income to assets | 1.0094% | 2,287 |
| Return on assets (ROA) | 1.0077% | 2,351 |
| Pretax return on assets | 1.4393% | 1,655 |
| Return on Equity (ROE) | 11.5895% | 1,559 |
| Retained earnings to average equity (ytd only) | 3.1659% | 3,983 |
| Net charge-offs to loans | 0.0061% | 5,347 |
| Credit loss provision to net charge-offs | 260.0000% | 872 |
| Earnings coverage of net charge-offs (x) | 475.0000% | 79 |
| Efficiency ratio | 58.9739% | 5,611 |
| Assets per employee ($millions) | 5.3612% | 1,785 |
| Cash dividends to net income (ytd only)* | 72.6832% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2650% | 6,693 |
| Loan loss allowance to noncurrent loans | 67.1598% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 0.2413% | 5,554 |
| Noncurrent loans to loans | 0.3946% | 5,023 |
| Net loans and leases to total assets | 51.4008% | 4,928 |
| Net loans and leases to deposits | 60.3397% | 4,913 |
| Net loans and leases to core deposits | 61.7409% | 5,087 |
| Total domestic deposits to total assets | 85.1856% | 3,651 |
| Equity capital to assets | 8.3275% | 5,759 |
| Core capital (leverage) ratio | 9.2252% | 4,683 |
| Tier 1 risk-based capital ratio | 19.8641% | 1,681 |
| Total risk-based capital ratio | 20.1601% | 1,914 |
| Memoranda: | ||
| Average total assets | $163,833,200 | 3,502 |
| Average earning assets | $154,780,200 | 3,421 |
| Average equity | $14,245,600 | 4,017 |
| Average total loans | $82,414,200 | 3,870 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 5,726 |
| Cost of funding earning assets | 0.3387% | 5,399 |
| Net interest margin | 3.1455% | 5,161 |
| Noninterest income to average assets | 0.4786% | 3,943 |
| Noninterest expense to average assets | 2.0844% | 5,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9502% | 2,592 |
| Return on assets (ROA) | 0.9491% | 2,701 |
| Pretax return on assets | 1.3436% | 2,153 |
| Return on Equity (ROE) | 10.7987% | 1,887 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,870 |
| Net charge-offs to loans | 0.0016% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1,651.0902% | 13 |
| Efficiency ratio | 60.7764% | 5,310 |
| Assets per employee ($millions) | 5.3973% | 1,735 |
| Cash dividends to net income (ytd only)* | 77.4529% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2617% | 6,774 |
| Loan loss allowance to noncurrent loans | 64.1176% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 5,717 |
| Noncurrent loans to loans | 0.4081% | 5,173 |
| Net loans and leases to total assets | 49.6581% | 5,178 |
| Net loans and leases to deposits | 58.3658% | 5,151 |
| Net loans and leases to core deposits | 59.8301% | 5,315 |
| Total domestic deposits to total assets | 85.0809% | 3,697 |
| Equity capital to assets | 8.1056% | 6,074 |
| Core capital (leverage) ratio | 9.3047% | 4,689 |
| Tier 1 risk-based capital ratio | 20.2205% | 1,677 |
| Total risk-based capital ratio | 20.5135% | 1,881 |
| Memoranda: | ||
| Average total assets | $163,242,500 | 3,546 |
| Average earning assets | $153,147,000 | 3,480 |
| Average equity | $14,347,000 | 4,049 |
| Average total loans | $81,604,500 | 3,925 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4071% | 5,887 |
| Cost of funding earning assets | 0.3359% | 5,515 |
| Net interest margin | 3.0712% | 5,363 |
| Noninterest income to average assets | 0.4633% | 4,071 |
| Noninterest expense to average assets | 2.0595% | 5,942 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8722% | 2,943 |
| Return on assets (ROA) | 0.8722% | 3,095 |
| Pretax return on assets | 1.2503% | 2,482 |
| Return on Equity (ROE) | 9.6655% | 2,339 |
| Retained earnings to average equity (ytd only) | 1.4512% | 5,294 |
| Net charge-offs to loans | -0.0025% | 5,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2247% | 5,143 |
| Assets per employee ($millions) | 5.3283% | 1,765 |
| Cash dividends to net income (ytd only)* | 84.9858% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2669% | 6,815 |
| Loan loss allowance to noncurrent loans | 142.8571% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 6,090 |
| Noncurrent loans to loans | 0.1868% | 5,849 |
| Net loans and leases to total assets | 49.7715% | 5,129 |
| Net loans and leases to deposits | 56.8058% | 5,265 |
| Net loans and leases to core deposits | 58.2045% | 5,403 |
| Total domestic deposits to total assets | 87.6169% | 2,485 |
| Equity capital to assets | 8.5581% | 5,706 |
| Core capital (leverage) ratio | 9.0659% | 4,888 |
| Tier 1 risk-based capital ratio | 19.9371% | 1,736 |
| Total risk-based capital ratio | 20.2317% | 1,962 |
| Memoranda: | ||
| Average total assets | $161,884,670 | 3,583 |
| Average earning assets | $150,038,670 | 3,556 |
| Average equity | $14,608,670 | 4,019 |
| Average total loans | $81,038,000 | 3,958 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2699% | 6,211 |
| Cost of funding earning assets | 0.3248% | 5,761 |
| Net interest margin | 2.9451% | 5,719 |
| Noninterest income to average assets | 0.4244% | 4,290 |
| Noninterest expense to average assets | 1.9995% | 6,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7539% | 3,416 |
| Return on assets (ROA) | 0.7539% | 3,553 |
| Pretax return on assets | 1.0959% | 2,968 |
| Return on Equity (ROE) | 8.1374% | 2,900 |
| Retained earnings to average equity (ytd only) | 0.0539% | 5,755 |
| Net charge-offs to loans | -0.0199% | 5,707 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5968% | 4,904 |
| Assets per employee ($millions) | 4.8231% | 2,453 |
| Cash dividends to net income (ytd only)* | 99.3377% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2783% | 6,896 |
| Loan loss allowance to noncurrent loans | 83.8346% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 0.2364% | 5,859 |
| Noncurrent loans to loans | 0.3320% | 5,571 |
| Net loans and leases to total assets | 47.3280% | 5,303 |
| Net loans and leases to deposits | 54.2019% | 5,417 |
| Net loans and leases to core deposits | 55.3663% | 5,573 |
| Total domestic deposits to total assets | 87.3181% | 2,744 |
| Equity capital to assets | 8.8225% | 5,695 |
| Core capital (leverage) ratio | 9.4495% | 4,164 |
| Tier 1 risk-based capital ratio | 20.4360% | 1,667 |
| Total risk-based capital ratio | 20.7443% | 1,879 |
| Memoranda: | ||
| Average total assets | $160,238,500 | 3,641 |
| Average earning assets | $145,324,000 | 3,672 |
| Average equity | $14,845,000 | 4,027 |
| Average total loans | $80,341,500 | 4,006 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 5,655 |
| Cost of funding earning assets | 0.5507% | 4,814 |
| Net interest margin | 3.3226% | 5,173 |
| Noninterest income to average assets | 0.5828% | 3,378 |
| Noninterest expense to average assets | 2.1971% | 5,928 |
| Loan and lease loss provision to assets | 0.0085% | 5,814 |
| Net operating income to assets | 1.0878% | 1,981 |
| Return on assets (ROA) | 1.0878% | 2,167 |
| Pretax return on assets | 1.5660% | 1,471 |
| Return on Equity (ROE) | 11.4110% | 1,680 |
| Retained earnings to average equity (ytd only) | 3.1869% | 3,982 |
| Net charge-offs to loans | 0.0369% | 5,407 |
| Credit loss provision to net charge-offs | 43.3333% | 4,855 |
| Earnings coverage of net charge-offs (x) | 80.3333% | 473 |
| Efficiency ratio | 58.2539% | 5,793 |
| Assets per employee ($millions) | 4.4609% | 3,035 |
| Cash dividends to net income (ytd only)* | 72.0721% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2718% | 6,950 |
| Loan loss allowance to noncurrent loans | 119.6721% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2202% | 6,008 |
| Noncurrent loans to loans | 0.2271% | 5,911 |
| Net loans and leases to total assets | 52.9755% | 4,764 |
| Net loans and leases to deposits | 59.2891% | 5,095 |
| Net loans and leases to core deposits | 62.1672% | 5,137 |
| Total domestic deposits to total assets | 89.3512% | 1,330 |
| Equity capital to assets | 9.7560% | 4,521 |
| Core capital (leverage) ratio | 9.6162% | 3,937 |
| Tier 1 risk-based capital ratio | 21.6223% | 1,334 |
| Total risk-based capital ratio | 21.9427% | 1,495 |
| Memoranda: | ||
| Average total assets | $153,063,800 | 3,726 |
| Average earning assets | $146,903,000 | 3,609 |
| Average equity | $14,591,200 | 4,043 |
| Average total loans | $81,350,600 | 3,996 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 5,573 |
| Cost of funding earning assets | 0.6042% | 4,602 |
| Net interest margin | 3.3759% | 5,112 |
| Noninterest income to average assets | 0.5684% | 3,484 |
| Noninterest expense to average assets | 2.2197% | 5,907 |
| Loan and lease loss provision to assets | 0.0113% | 5,669 |
| Net operating income to assets | 1.0699% | 2,214 |
| Return on assets (ROA) | 1.0699% | 2,422 |
| Pretax return on assets | 1.5713% | 1,663 |
| Return on Equity (ROE) | 11.2883% | 1,860 |
| Retained earnings to average equity (ytd only) | 3.0353% | 4,728 |
| Net charge-offs to loans | 0.0294% | 5,245 |
| Credit loss provision to net charge-offs | 72.2222% | 3,843 |
| Earnings coverage of net charge-offs (x) | 101.1642% | 420 |
| Efficiency ratio | 58.3771% | 5,735 |
| Assets per employee ($millions) | 4.8645% | 2,363 |
| Cash dividends to net income (ytd only)* | 73.1114% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2841% | 7,060 |
| Loan loss allowance to noncurrent loans | 92.0635% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 6,140 |
| Noncurrent loans to loans | 0.3086% | 5,868 |
| Net loans and leases to total assets | 52.3091% | 5,003 |
| Net loans and leases to deposits | 58.5313% | 5,371 |
| Net loans and leases to core deposits | 61.4757% | 5,410 |
| Total domestic deposits to total assets | 89.3695% | 1,204 |
| Equity capital to assets | 9.3939% | 5,347 |
| Core capital (leverage) ratio | 9.5822% | 4,142 |
| Tier 1 risk-based capital ratio | 21.1818% | 1,481 |
| Total risk-based capital ratio | 21.5173% | 1,661 |
| Memoranda: | ||
| Average total assets | $153,412,250 | 3,766 |
| Average earning assets | $146,960,000 | 3,645 |
| Average equity | $14,539,750 | 4,091 |
| Average total loans | $81,546,500 | 4,035 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 5,401 |
| Cost of funding earning assets | 0.6511% | 4,430 |
| Net interest margin | 3.4249% | 4,990 |
| Noninterest income to average assets | 0.5830% | 3,363 |
| Noninterest expense to average assets | 2.2403% | 5,905 |
| Loan and lease loss provision to assets | 0.0170% | 5,453 |
| Net operating income to assets | 1.0795% | 2,128 |
| Return on assets (ROA) | 1.0795% | 2,346 |
| Pretax return on assets | 1.6062% | 1,534 |
| Return on Equity (ROE) | 11.3561% | 1,858 |
| Retained earnings to average equity (ytd only) | 3.0871% | 4,587 |
| Net charge-offs to loans | 0.0368% | 4,864 |
| Credit loss provision to net charge-offs | 86.6667% | 3,138 |
| Earnings coverage of net charge-offs (x) | 82.6000% | 498 |
| Efficiency ratio | 57.9858% | 5,879 |
| Assets per employee ($millions) | 4.6155% | 2,693 |
| Cash dividends to net income (ytd only)* | 72.8155% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2878% | 7,125 |
| Loan loss allowance to noncurrent loans | 61.7414% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 5,560 |
| Noncurrent loans to loans | 0.4662% | 5,601 |
| Net loans and leases to total assets | 53.2233% | 4,931 |
| Net loans and leases to deposits | 59.6710% | 5,268 |
| Net loans and leases to core deposits | 62.8672% | 5,315 |
| Total domestic deposits to total assets | 89.1946% | 1,393 |
| Equity capital to assets | 9.6059% | 4,907 |
| Core capital (leverage) ratio | 9.4149% | 4,277 |
| Tier 1 risk-based capital ratio | 21.2272% | 1,437 |
| Total risk-based capital ratio | 21.5688% | 1,603 |
| Memoranda: | ||
| Average total assets | $152,661,330 | 3,790 |
| Average earning assets | $146,223,670 | 3,678 |
| Average equity | $14,512,000 | 4,085 |
| Average total loans | $81,509,000 | 4,057 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1712% | 5,206 |
| Cost of funding earning assets | 0.6674% | 4,561 |
| Net interest margin | 3.5038% | 4,675 |
| Noninterest income to average assets | 0.4789% | 4,071 |
| Noninterest expense to average assets | 2.2246% | 5,978 |
| Loan and lease loss provision to assets | 0.0026% | 5,232 |
| Net operating income to assets | 1.0914% | 2,130 |
| Return on assets (ROA) | 1.0914% | 2,316 |
| Pretax return on assets | 1.6043% | 1,559 |
| Return on Equity (ROE) | 11.5413% | 1,824 |
| Retained earnings to average equity (ytd only) | 3.2382% | 4,625 |
| Net charge-offs to loans | 0.0098% | 4,588 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 106 |
| Efficiency ratio | 58.0601% | 5,908 |
| Assets per employee ($millions) | 6.0348% | 1,266 |
| Cash dividends to net income (ytd only)* | 71.9424% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2908% | 7,183 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.4181% | 5,819 |
| Noncurrent loans to loans | 0.1007% | 6,507 |
| Net loans and leases to total assets | 51.1268% | 5,129 |
| Net loans and leases to deposits | 56.7133% | 5,521 |
| Net loans and leases to core deposits | 60.3120% | 5,501 |
| Total domestic deposits to total assets | 90.1495% | 1,006 |
| Equity capital to assets | 9.2412% | 5,176 |
| Core capital (leverage) ratio | 9.4644% | 4,095 |
| Tier 1 risk-based capital ratio | 21.0966% | 1,473 |
| Total risk-based capital ratio | 21.4386% | 1,635 |
| Memoranda: | ||
| Average total assets | $152,835,500 | 3,825 |
| Average earning assets | $146,241,500 | 3,696 |
| Average equity | $14,452,500 | 4,108 |
| Average total loans | $81,613,500 | 4,074 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8160% | 3,733 |
| Cost of funding earning assets | 0.7706% | 5,057 |
| Net interest margin | 4.0454% | 2,650 |
| Noninterest income to average assets | 0.5845% | 3,253 |
| Noninterest expense to average assets | 2.3423% | 5,935 |
| Loan and lease loss provision to assets | 0.0387% | 6,086 |
| Net operating income to assets | 1.3994% | 1,032 |
| Return on assets (ROA) | 1.3994% | 1,116 |
| Pretax return on assets | 2.0711% | 464 |
| Return on Equity (ROE) | 14.3793% | 845 |
| Retained earnings to average equity (ytd only) | 5.8498% | 2,106 |
| Net charge-offs to loans | 0.0262% | 6,070 |
| Credit loss provision to net charge-offs | 254.5455% | 948 |
| Earnings coverage of net charge-offs (x) | 138.6364% | 244 |
| Efficiency ratio | 52.6103% | 6,651 |
| Assets per employee ($millions) | 4.3754% | 3,104 |
| Cash dividends to net income (ytd only)* | 59.3178% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2851% | 7,228 |
| Loan loss allowance to noncurrent loans | 123.5602% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 5,968 |
| Noncurrent loans to loans | 0.2308% | 6,278 |
| Net loans and leases to total assets | 55.4808% | 4,798 |
| Net loans and leases to deposits | 61.8799% | 5,262 |
| Net loans and leases to core deposits | 66.2009% | 5,235 |
| Total domestic deposits to total assets | 89.6589% | 1,174 |
| Equity capital to assets | 9.6831% | 4,624 |
| Core capital (leverage) ratio | 9.6545% | 3,800 |
| Tier 1 risk-based capital ratio | 21.3414% | 1,349 |
| Total risk-based capital ratio | 21.6932% | 1,506 |
| Memoranda: | ||
| Average total assets | $144,559,800 | 3,897 |
| Average earning assets | $138,205,000 | 3,783 |
| Average equity | $14,068,800 | 4,093 |
| Average total loans | $84,096,000 | 4,021 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 3,614 |
| Cost of funding earning assets | 0.7873% | 5,234 |
| Net interest margin | 4.1015% | 2,468 |
| Noninterest income to average assets | 0.5528% | 3,500 |
| Noninterest expense to average assets | 2.3682% | 5,855 |
| Loan and lease loss provision to assets | 0.0279% | 6,088 |
| Net operating income to assets | 1.4048% | 1,139 |
| Return on assets (ROA) | 1.4048% | 1,217 |
| Pretax return on assets | 2.0774% | 544 |
| Return on Equity (ROE) | 14.4153% | 959 |
| Retained earnings to average equity (ytd only) | 5.8348% | 2,650 |
| Net charge-offs to loans | 0.0316% | 5,707 |
| Credit loss provision to net charge-offs | 150.0000% | 2,084 |
| Earnings coverage of net charge-offs (x) | 113.2831% | 315 |
| Efficiency ratio | 52.9387% | 6,601 |
| Assets per employee ($millions) | 4.6176% | 2,733 |
| Cash dividends to net income (ytd only)* | 59.5238% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2539% | 7,312 |
| Loan loss allowance to noncurrent loans | 170.9677% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 6,114 |
| Noncurrent loans to loans | 0.1485% | 6,575 |
| Net loans and leases to total assets | 56.3744% | 4,785 |
| Net loans and leases to deposits | 63.1949% | 5,267 |
| Net loans and leases to core deposits | 67.2514% | 5,276 |
| Total domestic deposits to total assets | 89.2071% | 1,301 |
| Equity capital to assets | 9.6228% | 4,901 |
| Core capital (leverage) ratio | 9.6028% | 3,985 |
| Tier 1 risk-based capital ratio | 21.1308% | 1,429 |
| Total risk-based capital ratio | 21.4484% | 1,606 |
| Memoranda: | ||
| Average total assets | $143,508,500 | 3,933 |
| Average earning assets | $137,181,500 | 3,815 |
| Average equity | $13,984,750 | 4,127 |
| Average total loans | $84,427,000 | 4,047 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 3,861 |
| Cost of funding earning assets | 0.8161% | 5,268 |
| Net interest margin | 4.0349% | 2,677 |
| Noninterest income to average assets | 0.5518% | 3,465 |
| Noninterest expense to average assets | 2.3014% | 6,124 |
| Loan and lease loss provision to assets | 0.0282% | 5,953 |
| Net operating income to assets | 1.4062% | 1,070 |
| Return on assets (ROA) | 1.4062% | 1,131 |
| Pretax return on assets | 2.0776% | 512 |
| Return on Equity (ROE) | 14.3672% | 902 |
| Retained earnings to average equity (ytd only) | 5.7383% | 2,571 |
| Net charge-offs to loans | 0.0236% | 5,500 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 149.6000% | 239 |
| Efficiency ratio | 52.2197% | 6,773 |
| Assets per employee ($millions) | 4.3884% | 3,013 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2518% | 7,374 |
| Loan loss allowance to noncurrent loans | 126.9461% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 6,090 |
| Noncurrent loans to loans | 0.1984% | 6,513 |
| Net loans and leases to total assets | 57.9856% | 4,625 |
| Net loans and leases to deposits | 65.1145% | 5,128 |
| Net loans and leases to core deposits | 69.5647% | 5,118 |
| Total domestic deposits to total assets | 89.0517% | 1,504 |
| Equity capital to assets | 9.7502% | 4,462 |
| Core capital (leverage) ratio | 9.5415% | 3,890 |
| Tier 1 risk-based capital ratio | 20.7563% | 1,464 |
| Total risk-based capital ratio | 21.0731% | 1,617 |
| Memoranda: | ||
| Average total assets | $142,090,000 | 3,992 |
| Average earning assets | $135,765,330 | 3,864 |
| Average equity | $13,906,670 | 4,137 |
| Average total loans | $84,731,670 | 4,076 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6918% | 4,558 |
| Cost of funding earning assets | 0.8579% | 5,227 |
| Net interest margin | 3.8339% | 3,450 |
| Noninterest income to average assets | 0.5401% | 3,577 |
| Noninterest expense to average assets | 2.3421% | 6,074 |
| Loan and lease loss provision to assets | 0.0568% | 5,287 |
| Net operating income to assets | 1.2251% | 1,462 |
| Return on assets (ROA) | 1.2251% | 1,518 |
| Pretax return on assets | 1.7992% | 820 |
| Return on Equity (ROE) | 12.4928% | 1,326 |
| Retained earnings to average equity (ytd only) | 3.7971% | 3,893 |
| Net charge-offs to loans | 0.0518% | 4,419 |
| Credit loss provision to net charge-offs | 181.8182% | 1,610 |
| Earnings coverage of net charge-offs (x) | 59.3636% | 500 |
| Efficiency ratio | 55.7888% | 6,522 |
| Assets per employee ($millions) | 4.5465% | 2,808 |
| Cash dividends to net income (ytd only)* | 69.6056% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2519% | 7,429 |
| Loan loss allowance to noncurrent loans | 398.1132% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 6,296 |
| Noncurrent loans to loans | 0.0633% | 6,890 |
| Net loans and leases to total assets | 57.4326% | 4,734 |
| Net loans and leases to deposits | 64.4546% | 5,195 |
| Net loans and leases to core deposits | 68.8897% | 5,181 |
| Total domestic deposits to total assets | 89.1056% | 1,712 |
| Equity capital to assets | 9.5149% | 4,412 |
| Core capital (leverage) ratio | 9.5992% | 3,661 |
| Tier 1 risk-based capital ratio | 20.1945% | 1,549 |
| Total risk-based capital ratio | 20.5072% | 1,709 |
| Memoranda: | ||
| Average total assets | $140,726,500 | 4,053 |
| Average earning assets | $134,275,500 | 3,930 |
| Average equity | $13,800,000 | 4,152 |
| Average total loans | $85,005,000 | 4,108 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2818% | 3,213 |
| Cost of funding earning assets | 0.9198% | 6,087 |
| Net interest margin | 4.3620% | 1,612 |
| Noninterest income to average assets | 0.5994% | 3,480 |
| Noninterest expense to average assets | 2.4220% | 6,042 |
| Loan and lease loss provision to assets | 0.1313% | 5,860 |
| Net operating income to assets | 1.4889% | 783 |
| Return on assets (ROA) | 1.4889% | 845 |
| Pretax return on assets | 2.2029% | 321 |
| Return on Equity (ROE) | 14.6667% | 766 |
| Retained earnings to average equity (ytd only) | 5.6410% | 2,022 |
| Net charge-offs to loans | 0.1537% | 5,428 |
| Credit loss provision to net charge-offs | 133.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | 23.6977% | 892 |
| Efficiency ratio | 50.9231% | 7,065 |
| Assets per employee ($millions) | 4.5322% | 2,807 |
| Cash dividends to net income (ytd only)* | 61.5385% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2342% | 7,513 |
| Loan loss allowance to noncurrent loans | 459.0909% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 6,316 |
| Noncurrent loans to loans | 0.0510% | 6,999 |
| Net loans and leases to total assets | 63.2805% | 4,014 |
| Net loans and leases to deposits | 71.5861% | 4,587 |
| Net loans and leases to core deposits | 74.4684% | 4,917 |
| Total domestic deposits to total assets | 88.3978% | 2,016 |
| Equity capital to assets | 10.1180% | 3,591 |
| Core capital (leverage) ratio | 9.9746% | 3,123 |
| Tier 1 risk-based capital ratio | 20.0723% | 1,474 |
| Total risk-based capital ratio | 20.3728% | 1,655 |
| Memoranda: | ||
| Average total assets | $130,966,400 | 4,240 |
| Average earning assets | $124,806,400 | 4,139 |
| Average equity | $13,295,400 | 4,310 |
| Average total loans | $83,945,800 | 4,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3823% | 2,961 |
| Cost of funding earning assets | 0.9161% | 6,328 |
| Net interest margin | 4.4661% | 1,331 |
| Noninterest income to average assets | 0.5797% | 3,582 |
| Noninterest expense to average assets | 2.3476% | 6,180 |
| Loan and lease loss provision to assets | 0.1768% | 5,268 |
| Net operating income to assets | 1.5551% | 817 |
| Return on assets (ROA) | 1.5551% | 896 |
| Pretax return on assets | 2.3096% | 329 |
| Return on Equity (ROE) | 15.3056% | 811 |
| Retained earnings to average equity (ytd only) | 6.2011% | 2,260 |
| Net charge-offs to loans | 0.2063% | 4,708 |
| Credit loss provision to net charge-offs | 133.3333% | 3,030 |
| Earnings coverage of net charge-offs (x) | 18.7515% | 1,238 |
| Efficiency ratio | 48.5647% | 7,237 |
| Assets per employee ($millions) | 4.4423% | 3,003 |
| Cash dividends to net income (ytd only)* | 59.4846% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2417% | 7,624 |
| Loan loss allowance to noncurrent loans | 139.3103% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 6,350 |
| Noncurrent loans to loans | 0.1735% | 6,836 |
| Net loans and leases to total assets | 62.5640% | 4,416 |
| Net loans and leases to deposits | 71.2946% | 4,947 |
| Net loans and leases to core deposits | 73.5051% | 5,353 |
| Total domestic deposits to total assets | 87.7542% | 2,128 |
| Equity capital to assets | 10.1666% | 3,925 |
| Core capital (leverage) ratio | 10.0618% | 3,194 |
| Tier 1 risk-based capital ratio | 20.5813% | 1,426 |
| Total risk-based capital ratio | 20.8925% | 1,587 |
| Memoranda: | ||
| Average total assets | $129,716,500 | 4,332 |
| Average earning assets | $123,563,500 | 4,210 |
| Average equity | $13,180,000 | 4,400 |
| Average total loans | $83,371,750 | 4,306 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3729% | 3,088 |
| Cost of funding earning assets | 0.9123% | 6,529 |
| Net interest margin | 4.4606% | 1,289 |
| Noninterest income to average assets | 0.5617% | 3,614 |
| Noninterest expense to average assets | 2.2687% | 6,444 |
| Loan and lease loss provision to assets | 0.2365% | 4,548 |
| Net operating income to assets | 1.5342% | 840 |
| Return on assets (ROA) | 1.5342% | 901 |
| Pretax return on assets | 2.3169% | 326 |
| Return on Equity (ROE) | 15.1030% | 840 |
| Retained earnings to average equity (ytd only) | 5.9125% | 2,380 |
| Net charge-offs to loans | 0.1417% | 4,807 |
| Credit loss provision to net charge-offs | 257.6271% | 1,477 |
| Earnings coverage of net charge-offs (x) | 27.8136% | 965 |
| Efficiency ratio | 47.0474% | 7,393 |
| Assets per employee ($millions) | 4.4564% | 2,950 |
| Cash dividends to net income (ytd only)* | 60.8519% | 1,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3052% | 7,664 |
| Loan loss allowance to noncurrent loans | 114.0271% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 6,204 |
| Noncurrent loans to loans | 0.2677% | 6,695 |
| Net loans and leases to total assets | 63.6894% | 4,318 |
| Net loans and leases to deposits | 72.8353% | 4,864 |
| Net loans and leases to core deposits | 78.1054% | 4,934 |
| Total domestic deposits to total assets | 87.4430% | 2,294 |
| Equity capital to assets | 10.3053% | 3,646 |
| Core capital (leverage) ratio | 9.9818% | 3,180 |
| Tier 1 risk-based capital ratio | 20.4120% | 1,449 |
| Total risk-based capital ratio | 20.8038% | 1,567 |
| Memoranda: | ||
| Average total assets | $128,532,000 | 4,388 |
| Average earning assets | $122,764,330 | 4,251 |
| Average equity | $13,057,000 | 4,425 |
| Average total loans | $83,302,000 | 4,345 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 3,701 |
| Cost of funding earning assets | 0.9039% | 6,757 |
| Net interest margin | 4.3631% | 1,496 |
| Noninterest income to average assets | 0.5087% | 3,983 |
| Noninterest expense to average assets | 2.2843% | 6,427 |
| Loan and lease loss provision to assets | 0.1623% | 4,903 |
| Net operating income to assets | 1.4916% | 903 |
| Return on assets (ROA) | 1.4916% | 978 |
| Pretax return on assets | 2.2343% | 399 |
| Return on Equity (ROE) | 14.7913% | 908 |
| Retained earnings to average equity (ytd only) | 5.5081% | 2,861 |
| Net charge-offs to loans | 0.2821% | 3,283 |
| Credit loss provision to net charge-offs | 88.1356% | 3,704 |
| Earnings coverage of net charge-offs (x) | 13.0169% | 1,524 |
| Efficiency ratio | 48.8000% | 7,390 |
| Assets per employee ($millions) | 4.7491% | 2,570 |
| Cash dividends to net income (ytd only)* | 62.7615% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1817% | 7,819 |
| Loan loss allowance to noncurrent loans | 50.3311% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 0.2948% | 6,743 |
| Noncurrent loans to loans | 0.3609% | 6,579 |
| Net loans and leases to total assets | 62.8073% | 4,585 |
| Net loans and leases to deposits | 71.5094% | 5,122 |
| Net loans and leases to core deposits | 76.0679% | 5,250 |
| Total domestic deposits to total assets | 87.8308% | 2,153 |
| Equity capital to assets | 9.8056% | 4,098 |
| Core capital (leverage) ratio | 10.3082% | 2,802 |
| Tier 1 risk-based capital ratio | 19.4711% | 1,618 |
| Total risk-based capital ratio | 19.7001% | 1,814 |
| Memoranda: | ||
| Average total assets | $128,180,500 | 4,450 |
| Average earning assets | $122,574,000 | 4,313 |
| Average equity | $12,926,500 | 4,494 |
| Average total loans | $83,672,500 | 4,395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 3,123 |
| Cost of funding earning assets | 1.1859% | 6,706 |
| Net interest margin | 4.5091% | 1,158 |
| Noninterest income to average assets | 0.5694% | 3,868 |
| Noninterest expense to average assets | 2.3156% | 6,707 |
| Loan and lease loss provision to assets | 0.1296% | 6,341 |
| Net operating income to assets | 1.6053% | 544 |
| Return on assets (ROA) | 1.6053% | 576 |
| Pretax return on assets | 2.4112% | 181 |
| Return on Equity (ROE) | 16.0796% | 547 |
| Retained earnings to average equity (ytd only) | 7.9668% | 708 |
| Net charge-offs to loans | 0.1935% | 5,435 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 19.6063% | 1,074 |
| Efficiency ratio | 47.6818% | 7,643 |
| Assets per employee ($millions) | 4.2547% | 3,341 |
| Cash dividends to net income (ytd only)* | 50.4541% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1900% | 7,887 |
| Loan loss allowance to noncurrent loans | 46.3557% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 6,757 |
| Noncurrent loans to loans | 0.4099% | 6,456 |
| Net loans and leases to total assets | 67.6868% | 3,777 |
| Net loans and leases to deposits | 77.7428% | 4,434 |
| Net loans and leases to core deposits | 88.3085% | 5,296 |
| Total domestic deposits to total assets | 87.0650% | 2,464 |
| Equity capital to assets | 10.3853% | 3,303 |
| Core capital (leverage) ratio | 10.5231% | 2,584 |
| Tier 1 risk-based capital ratio | 19.3601% | 1,580 |
| Total risk-based capital ratio | 19.6016% | 1,749 |
| Memoranda: | ||
| Average total assets | $123,466,800 | 4,486 |
| Average earning assets | $117,383,600 | 4,370 |
| Average equity | $12,326,200 | 4,668 |
| Average total loans | $82,704,600 | 4,423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6804% | 3,431 |
| Cost of funding earning assets | 1.2532% | 6,704 |
| Net interest margin | 4.4272% | 1,372 |
| Noninterest income to average assets | 0.5409% | 4,151 |
| Noninterest expense to average assets | 2.2501% | 6,839 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6574% | 598 |
| Return on assets (ROA) | 1.6574% | 645 |
| Pretax return on assets | 2.4941% | 194 |
| Return on Equity (ROE) | 16.7697% | 570 |
| Retained earnings to average equity (ytd only) | 8.5760% | 952 |
| Net charge-offs to loans | 0.0340% | 6,421 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 109.9971% | 332 |
| Efficiency ratio | 47.4283% | 7,692 |
| Assets per employee ($millions) | 4.2611% | 3,270 |
| Cash dividends to net income (ytd only)* | 48.8601% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1655% | 7,989 |
| Loan loss allowance to noncurrent loans | 26.0870% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 6,381 |
| Noncurrent loans to loans | 0.6344% | 6,027 |
| Net loans and leases to total assets | 67.3626% | 4,101 |
| Net loans and leases to deposits | 77.7171% | 4,776 |
| Net loans and leases to core deposits | 88.1455% | 5,630 |
| Total domestic deposits to total assets | 86.6767% | 2,339 |
| Equity capital to assets | 10.2029% | 3,841 |
| Core capital (leverage) ratio | 10.0686% | 3,212 |
| Tier 1 risk-based capital ratio | 19.1198% | 1,718 |
| Total risk-based capital ratio | 19.3301% | 1,918 |
| Memoranda: | ||
| Average total assets | $123,487,000 | 4,509 |
| Average earning assets | $117,241,500 | 4,398 |
| Average equity | $12,204,250 | 4,744 |
| Average total loans | $82,462,000 | 4,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8387% | 2,853 |
| Cost of funding earning assets | 1.3386% | 6,678 |
| Net interest margin | 4.5001% | 1,168 |
| Noninterest income to average assets | 0.5378% | 4,124 |
| Noninterest expense to average assets | 2.2534% | 6,909 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7156% | 545 |
| Return on assets (ROA) | 1.7156% | 593 |
| Pretax return on assets | 2.5596% | 188 |
| Return on Equity (ROE) | 17.5481% | 532 |
| Retained earnings to average equity (ytd only) | 9.2629% | 873 |
| Net charge-offs to loans | 0.0122% | 6,386 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 316.0000% | 120 |
| Efficiency ratio | 46.8193% | 7,817 |
| Assets per employee ($millions) | 4.2962% | 3,124 |
| Cash dividends to net income (ytd only)* | 47.2144% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1860% | 8,074 |
| Loan loss allowance to noncurrent loans | 27.8986% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 6,345 |
| Noncurrent loans to loans | 0.6665% | 5,921 |
| Net loans and leases to total assets | 66.3469% | 4,499 |
| Net loans and leases to deposits | 78.5923% | 4,767 |
| Net loans and leases to core deposits | 91.3815% | 5,414 |
| Total domestic deposits to total assets | 84.4192% | 3,543 |
| Equity capital to assets | 9.9294% | 4,049 |
| Core capital (leverage) ratio | 9.8037% | 3,514 |
| Tier 1 risk-based capital ratio | 18.5864% | 1,860 |
| Total risk-based capital ratio | 18.8202% | 2,082 |
| Memoranda: | ||
| Average total assets | $123,458,330 | 4,547 |
| Average earning assets | $117,286,670 | 4,436 |
| Average equity | $12,069,670 | 4,797 |
| Average total loans | $82,156,000 | 4,521 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 2,771 |
| Cost of funding earning assets | 1.4222% | 6,655 |
| Net interest margin | 4.4820% | 1,165 |
| Noninterest income to average assets | 0.4882% | 4,422 |
| Noninterest expense to average assets | 2.3370% | 6,413 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6632% | 700 |
| Return on assets (ROA) | 1.6632% | 768 |
| Pretax return on assets | 2.4184% | 291 |
| Return on Equity (ROE) | 17.1491% | 670 |
| Retained earnings to average equity (ytd only) | 8.7591% | 1,548 |
| Net charge-offs to loans | 0.0098% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 371.5000% | 94 |
| Efficiency ratio | 49.1444% | 7,656 |
| Assets per employee ($millions) | 4.3491% | 2,978 |
| Cash dividends to net income (ytd only)* | 48.9237% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1897% | 8,118 |
| Loan loss allowance to noncurrent loans | 57.9336% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,878 |
| Noncurrent loans to loans | 0.3274% | 6,615 |
| Net loans and leases to total assets | 65.4998% | 4,705 |
| Net loans and leases to deposits | 77.4367% | 5,015 |
| Net loans and leases to core deposits | 90.1680% | 5,539 |
| Total domestic deposits to total assets | 84.5850% | 3,421 |
| Equity capital to assets | 9.5541% | 4,604 |
| Core capital (leverage) ratio | 9.7827% | 3,654 |
| Tier 1 risk-based capital ratio | 18.0891% | 2,029 |
| Total risk-based capital ratio | 18.3253% | 2,254 |
| Memoranda: | ||
| Average total assets | $122,893,000 | 4,580 |
| Average earning assets | $117,001,000 | 4,459 |
| Average equity | $11,919,000 | 4,856 |
| Average total loans | $81,826,500 | 4,563 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3193% | 3,862 |
| Cost of funding earning assets | 2.1257% | 5,948 |
| Net interest margin | 4.1936% | 2,336 |
| Noninterest income to average assets | 0.5794% | 4,011 |
| Noninterest expense to average assets | 2.1765% | 7,029 |
| Loan and lease loss provision to assets | 0.0572% | 6,700 |
| Net operating income to assets | 1.5608% | 908 |
| Return on assets (ROA) | 1.5608% | 879 |
| Pretax return on assets | 2.3247% | 289 |
| Return on Equity (ROE) | 17.0427% | 627 |
| Retained earnings to average equity (ytd only) | 8.2442% | 767 |
| Net charge-offs to loans | 0.0896% | 5,461 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 41.6338% | 884 |
| Efficiency ratio | 47.7462% | 7,829 |
| Assets per employee ($millions) | 3.9887% | 3,545 |
| Cash dividends to net income (ytd only)* | 51.6262% | 3,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1966% | 8,162 |
| Loan loss allowance to noncurrent loans | 76.4423% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 6,870 |
| Noncurrent loans to loans | 0.2572% | 6,608 |
| Net loans and leases to total assets | 67.4617% | 4,561 |
| Net loans and leases to deposits | 80.4837% | 4,961 |
| Net loans and leases to core deposits | 93.3918% | 5,507 |
| Total domestic deposits to total assets | 83.8203% | 3,417 |
| Equity capital to assets | 9.8511% | 4,222 |
| Core capital (leverage) ratio | 9.5377% | 3,963 |
| Tier 1 risk-based capital ratio | 18.1371% | 2,010 |
| Total risk-based capital ratio | 18.3823% | 2,220 |
| Memoranda: | ||
| Average total assets | $124,099,600 | 4,417 |
| Average earning assets | $117,751,000 | 4,315 |
| Average equity | $11,365,600 | 5,016 |
| Average total loans | $79,266,800 | 4,545 |