Home > Mid America Bank > Performance and Condition Ratios
Mid America 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 | 6.1498% | 991 |
| Cost of funding earning assets | 1.6735% | 2,792 |
| Net interest margin | 4.4763% | 647 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.3818% | 2,629 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 2.1080% | 382 |
| Return on assets (ROA) | 2.1080% | 389 |
| Pretax return on assets | 2.1080% | 580 |
| Return on Equity (ROE) | 18.4600% | 595 |
| Retained earnings to average equity (ytd only) | 9.2242% | 1,386 |
| Net charge-offs to loans | 0.0141% | 1,739 |
| Credit loss provision to net charge-offs | 396.1538% | 610 |
| Earnings coverage of net charge-offs (x) | 214.4615% | 397 |
| Efficiency ratio | 52.2316% | 3,740 |
| Assets per employee ($millions) | 6.8907% | 2,298 |
| Cash dividends to net income (ytd only)* | 50.0371% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 2,663 |
| Loan loss allowance to noncurrent loans | 1,079.4771% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,181 |
| Noncurrent loans to loans | 0.1028% | 3,147 |
| Net loans and leases to total assets | 68.9300% | 1,960 |
| Net loans and leases to deposits | 78.7388% | 2,169 |
| Net loans and leases to core deposits | 83.6943% | 2,486 |
| Total domestic deposits to total assets | 87.5400% | 1,714 |
| Equity capital to assets | 11.0733% | 1,625 |
| Core capital (leverage) ratio | 10.9792% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,023,918,000 | 996 |
| Average earning assets | $965,174,000 | 974 |
| Average equity | $116,910,000 | 920 |
| Average total loans | $736,202,500 | 986 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4238% | 783 |
| Cost of funding earning assets | 1.7860% | 2,760 |
| Net interest margin | 4.6378% | 536 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 2.4581% | 2,423 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 2.1415% | 319 |
| Return on assets (ROA) | 2.0941% | 343 |
| Pretax return on assets | 2.0941% | 501 |
| Return on Equity (ROE) | 18.0900% | 561 |
| Retained earnings to average equity (ytd only) | 8.7784% | 866 |
| Net charge-offs to loans | 0.0103% | 2,531 |
| Credit loss provision to net charge-offs | 698.6667% | 498 |
| Earnings coverage of net charge-offs (x) | 282.3867% | 394 |
| Efficiency ratio | 52.6229% | 3,834 |
| Assets per employee ($millions) | 6.2806% | 2,664 |
| Cash dividends to net income (ytd only)* | 51.4645% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 2,575 |
| Loan loss allowance to noncurrent loans | 733.0645% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 2,911 |
| Noncurrent loans to loans | 0.1533% | 2,911 |
| Net loans and leases to total assets | 73.4600% | 1,478 |
| Net loans and leases to deposits | 84.9233% | 1,691 |
| Net loans and leases to core deposits | 95.8504% | 1,718 |
| Total domestic deposits to total assets | 86.5000% | 2,036 |
| Equity capital to assets | 11.7936% | 1,262 |
| Core capital (leverage) ratio | 11.0776% | 1,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $957,005,200 | 1,054 |
| Average earning assets | $891,262,800 | 1,038 |
| Average equity | $110,806,400 | 934 |
| Average total loans | $727,012,200 | 978 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4026% | 784 |
| Cost of funding earning assets | 1.7549% | 2,827 |
| Net interest margin | 4.6477% | 525 |
| Noninterest income to average assets | 0.3500% | 2,719 |
| Noninterest expense to average assets | 2.3868% | 2,559 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 2.1877% | 330 |
| Return on assets (ROA) | 2.1750% | 338 |
| Pretax return on assets | 2.1750% | 498 |
| Return on Equity (ROE) | 18.8800% | 502 |
| Retained earnings to average equity (ytd only) | 9.2499% | 1,041 |
| Net charge-offs to loans | 0.0127% | 2,179 |
| Credit loss provision to net charge-offs | 734.7826% | 493 |
| Earnings coverage of net charge-offs (x) | 235.8986% | 465 |
| Efficiency ratio | 51.1304% | 3,916 |
| Assets per employee ($millions) | 6.3704% | 2,601 |
| Cash dividends to net income (ytd only)* | 50.9956% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 2,668 |
| Loan loss allowance to noncurrent loans | 414.9314% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2103% | 2,410 |
| Noncurrent loans to loans | 0.2690% | 2,482 |
| Net loans and leases to total assets | 77.2900% | 956 |
| Net loans and leases to deposits | 91.6684% | 1,079 |
| Net loans and leases to core deposits | 99.5891% | 1,501 |
| Total domestic deposits to total assets | 84.3200% | 2,514 |
| Equity capital to assets | 12.2591% | 1,188 |
| Core capital (leverage) ratio | 11.1936% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $951,311,250 | 1,057 |
| Average earning assets | $883,687,000 | 1,044 |
| Average equity | $109,620,250 | 934 |
| Average total loans | $726,783,000 | 978 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3236% | 789 |
| Cost of funding earning assets | 1.7499% | 2,749 |
| Net interest margin | 4.5737% | 564 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.3431% | 2,673 |
| Loan and lease loss provision to assets | 0.1300% | 903 |
| Net operating income to assets | 2.0988% | 382 |
| Return on assets (ROA) | 2.0800% | 392 |
| Pretax return on assets | 2.0800% | 572 |
| Return on Equity (ROE) | 18.4300% | 568 |
| Retained earnings to average equity (ytd only) | 8.2396% | 1,303 |
| Net charge-offs to loans | 0.0168% | 1,836 |
| Credit loss provision to net charge-offs | 811.4754% | 464 |
| Earnings coverage of net charge-offs (x) | 174.7049% | 550 |
| Efficiency ratio | 51.2489% | 3,945 |
| Assets per employee ($millions) | 6.2634% | 2,589 |
| Cash dividends to net income (ytd only)* | 55.3042% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 2,715 |
| Loan loss allowance to noncurrent loans | 610.3886% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1453% | 2,690 |
| Noncurrent loans to loans | 0.1823% | 2,774 |
| Net loans and leases to total assets | 78.8400% | 809 |
| Net loans and leases to deposits | 94.3107% | 917 |
| Net loans and leases to core deposits | 102.5641% | 1,328 |
| Total domestic deposits to total assets | 83.5900% | 2,720 |
| Equity capital to assets | 11.8962% | 1,198 |
| Core capital (leverage) ratio | 10.6679% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $956,266,333 | 1,061 |
| Average earning assets | $885,754,667 | 1,047 |
| Average equity | $107,893,667 | 938 |
| Average total loans | $725,055,000 | 979 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1705% | 867 |
| Cost of funding earning assets | 1.7506% | 2,636 |
| Net interest margin | 4.4199% | 648 |
| Noninterest income to average assets | 0.3300% | 2,750 |
| Noninterest expense to average assets | 2.3112% | 2,765 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 2.0225% | 427 |
| Return on assets (ROA) | 1.9983% | 449 |
| Pretax return on assets | 1.9983% | 639 |
| Return on Equity (ROE) | 18.1800% | 589 |
| Retained earnings to average equity (ytd only) | 9.9594% | 1,122 |
| Net charge-offs to loans | 0.0222% | 1,404 |
| Credit loss provision to net charge-offs | 367.5000% | 598 |
| Earnings coverage of net charge-offs (x) | 126.8000% | 581 |
| Efficiency ratio | 52.5981% | 3,856 |
| Assets per employee ($millions) | 6.8719% | 2,157 |
| Cash dividends to net income (ytd only)* | 45.2117% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0841% | 2,896 |
| Loan loss allowance to noncurrent loans | 466.6071% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1698% | 2,529 |
| Noncurrent loans to loans | 0.2323% | 2,488 |
| Net loans and leases to total assets | 72.2800% | 1,531 |
| Net loans and leases to deposits | 85.0993% | 1,619 |
| Net loans and leases to core deposits | 93.0596% | 1,834 |
| Total domestic deposits to total assets | 84.9300% | 2,432 |
| Equity capital to assets | 10.9401% | 1,520 |
| Core capital (leverage) ratio | 10.4832% | 2,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $974,039,500 | 1,037 |
| Average earning assets | $896,128,000 | 1,042 |
| Average equity | $107,075,000 | 945 |
| Average total loans | $720,560,000 | 982 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3793% | 1,346 |
| Cost of funding earning assets | 1.2962% | 2,527 |
| Net interest margin | 4.0831% | 1,089 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.3801% | 2,642 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.7914% | 623 |
| Return on assets (ROA) | 1.7984% | 590 |
| Pretax return on assets | 1.7984% | 890 |
| Return on Equity (ROE) | 16.0100% | 1,093 |
| Retained earnings to average equity (ytd only) | 7.9463% | 1,556 |
| Net charge-offs to loans | 0.0277% | 1,755 |
| Credit loss provision to net charge-offs | -40.3061% | 4,454 |
| Earnings coverage of net charge-offs (x) | 84.4133% | 988 |
| Efficiency ratio | 56.2626% | 3,472 |
| Assets per employee ($millions) | 6.7501% | 2,243 |
| Cash dividends to net income (ytd only)* | 50.3700% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 2,950 |
| Loan loss allowance to noncurrent loans | 443.8576% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 2,322 |
| Noncurrent loans to loans | 0.2426% | 2,333 |
| Net loans and leases to total assets | 74.1100% | 1,352 |
| Net loans and leases to deposits | 87.4665% | 1,485 |
| Net loans and leases to core deposits | 96.1873% | 1,645 |
| Total domestic deposits to total assets | 84.7200% | 2,403 |
| Equity capital to assets | 11.0473% | 1,451 |
| Core capital (leverage) ratio | 10.9299% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $894,199,800 | 1,091 |
| Average earning assets | $842,983,800 | 1,066 |
| Average equity | $100,436,200 | 943 |
| Average total loans | $708,373,800 | 948 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3038% | 1,285 |
| Cost of funding earning assets | 1.2028% | 2,424 |
| Net interest margin | 4.1009% | 1,066 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 2.4172% | 2,474 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.8078% | 661 |
| Return on assets (ROA) | 1.8078% | 653 |
| Pretax return on assets | 1.8078% | 1,002 |
| Return on Equity (ROE) | 16.0200% | 1,254 |
| Retained earnings to average equity (ytd only) | 7.8136% | 2,035 |
| Net charge-offs to loans | 0.0208% | 1,699 |
| Credit loss provision to net charge-offs | -275.4545% | 4,553 |
| Earnings coverage of net charge-offs (x) | 110.3636% | 880 |
| Efficiency ratio | 56.7356% | 3,335 |
| Assets per employee ($millions) | 6.4220% | 2,381 |
| Cash dividends to net income (ytd only)* | 51.2347% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,012 |
| Loan loss allowance to noncurrent loans | 2,163.5328% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 3,393 |
| Noncurrent loans to loans | 0.0495% | 3,401 |
| Net loans and leases to total assets | 80.8700% | 558 |
| Net loans and leases to deposits | 96.5532% | 716 |
| Net loans and leases to core deposits | 106.3369% | 997 |
| Total domestic deposits to total assets | 83.7500% | 2,848 |
| Equity capital to assets | 11.5065% | 1,177 |
| Core capital (leverage) ratio | 11.2192% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $878,119,750 | 1,110 |
| Average earning assets | $826,688,000 | 1,088 |
| Average equity | $99,072,500 | 951 |
| Average total loans | $705,954,750 | 947 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1315% | 1,316 |
| Cost of funding earning assets | 1.0929% | 2,295 |
| Net interest margin | 4.0387% | 1,178 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.4265% | 2,414 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.7711% | 686 |
| Return on assets (ROA) | 1.7711% | 688 |
| Pretax return on assets | 1.7711% | 1,067 |
| Return on Equity (ROE) | 15.8000% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.5048% | 2,123 |
| Net charge-offs to loans | 0.0275% | 1,335 |
| Credit loss provision to net charge-offs | -490.7216% | 4,594 |
| Earnings coverage of net charge-offs (x) | 81.1340% | 1,041 |
| Efficiency ratio | 57.6175% | 3,240 |
| Assets per employee ($millions) | 6.6035% | 2,208 |
| Cash dividends to net income (ytd only)* | 52.5035% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,114 |
| Loan loss allowance to noncurrent loans | 2,683.7545% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 3,470 |
| Noncurrent loans to loans | 0.0397% | 3,445 |
| Net loans and leases to total assets | 79.2500% | 707 |
| Net loans and leases to deposits | 94.5208% | 819 |
| Net loans and leases to core deposits | 102.0979% | 1,127 |
| Total domestic deposits to total assets | 83.8400% | 2,859 |
| Equity capital to assets | 11.4818% | 1,205 |
| Core capital (leverage) ratio | 10.9183% | 1,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $881,836,667 | 1,096 |
| Average earning assets | $832,502,000 | 1,074 |
| Average equity | $98,844,000 | 947 |
| Average total loans | $705,049,333 | 933 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 1,338 |
| Cost of funding earning assets | 0.9884% | 2,084 |
| Net interest margin | 3.9545% | 1,357 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.3984% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7300% | 777 |
| Return on assets (ROA) | 1.7300% | 770 |
| Pretax return on assets | 1.7300% | 1,216 |
| Return on Equity (ROE) | 15.6200% | 1,437 |
| Retained earnings to average equity (ytd only) | 7.4767% | 2,366 |
| Net charge-offs to loans | 0.0136% | 1,449 |
| Credit loss provision to net charge-offs | 4.1667% | 1,416 |
| Earnings coverage of net charge-offs (x) | 159.8750% | 591 |
| Efficiency ratio | 58.0885% | 3,186 |
| Assets per employee ($millions) | 6.7189% | 2,182 |
| Cash dividends to net income (ytd only)* | 52.1376% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 2,839 |
| Loan loss allowance to noncurrent loans | 1,083.4464% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 2,965 |
| Noncurrent loans to loans | 0.1055% | 3,010 |
| Net loans and leases to total assets | 78.5000% | 714 |
| Net loans and leases to deposits | 91.4559% | 956 |
| Net loans and leases to core deposits | 96.9177% | 1,236 |
| Total domestic deposits to total assets | 85.8300% | 2,642 |
| Equity capital to assets | 11.2397% | 1,249 |
| Core capital (leverage) ratio | 10.7393% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $886,927,000 | 1,113 |
| Average earning assets | $839,342,000 | 1,082 |
| Average equity | $98,225,000 | 962 |
| Average total loans | $708,470,000 | 944 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 1,121 |
| Cost of funding earning assets | 0.4966% | 1,409 |
| Net interest margin | 3.7712% | 1,221 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.2971% | 2,745 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.6014% | 694 |
| Return on assets (ROA) | 1.4401% | 989 |
| Pretax return on assets | 1.4401% | 1,658 |
| Return on Equity (ROE) | 12.9200% | 1,839 |
| Retained earnings to average equity (ytd only) | 5.3542% | 2,894 |
| Net charge-offs to loans | -0.0140% | 3,936 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.0447% | 3,337 |
| Assets per employee ($millions) | 6.9819% | 1,987 |
| Cash dividends to net income (ytd only)* | 58.5611% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 3,832 |
| Loan loss allowance to noncurrent loans | 653.9732% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,767 |
| Noncurrent loans to loans | 0.1349% | 2,839 |
| Net loans and leases to total assets | 79.6400% | 631 |
| Net loans and leases to deposits | 90.4376% | 1,017 |
| Net loans and leases to core deposits | 95.9088% | 1,211 |
| Total domestic deposits to total assets | 88.0600% | 2,056 |
| Equity capital to assets | 10.9123% | 1,295 |
| Core capital (leverage) ratio | 10.9986% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $863,800,400 | 1,120 |
| Average earning assets | $809,297,600 | 1,097 |
| Average equity | $96,279,600 | 971 |
| Average total loans | $648,211,200 | 970 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9992% | 1,266 |
| Cost of funding earning assets | 0.3484% | 1,722 |
| Net interest margin | 3.6508% | 1,266 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1978% | 2,939 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.5649% | 716 |
| Return on assets (ROA) | 1.5649% | 693 |
| Pretax return on assets | 1.5649% | 1,217 |
| Return on Equity (ROE) | 16.0100% | 974 |
| Retained earnings to average equity (ytd only) | 7.1731% | 2,312 |
| Net charge-offs to loans | -0.0367% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.1822% | 3,489 |
| Assets per employee ($millions) | 6.8714% | 2,045 |
| Cash dividends to net income (ytd only)* | 55.1952% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 2,558 |
| Loan loss allowance to noncurrent loans | 651.8248% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 2,563 |
| Noncurrent loans to loans | 0.1833% | 2,666 |
| Net loans and leases to total assets | 80.9000% | 454 |
| Net loans and leases to deposits | 89.3344% | 939 |
| Net loans and leases to core deposits | 91.1864% | 1,222 |
| Total domestic deposits to total assets | 90.5600% | 1,416 |
| Equity capital to assets | 9.1789% | 2,101 |
| Core capital (leverage) ratio | 10.6953% | 1,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $630,555,500 | 1,427 |
| Average earning assets | $605,434,000 | 1,384 |
| Average equity | $61,636,250 | 1,390 |
| Average total loans | $479,335,000 | 1,211 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7807% | 1,355 |
| Cost of funding earning assets | 0.2927% | 1,785 |
| Net interest margin | 3.4880% | 1,348 |
| Noninterest income to average assets | 0.3546% | 3,032 |
| Noninterest expense to average assets | 2.1433% | 3,024 |
| Loan and lease loss provision to assets | 0.0777% | 1,247 |
| Net operating income to assets | 1.4822% | 744 |
| Return on assets (ROA) | 1.4822% | 724 |
| Pretax return on assets | 1.4822% | 1,222 |
| Return on Equity (ROE) | 14.8557% | 925 |
| Retained earnings to average equity (ytd only) | 6.3932% | 2,210 |
| Net charge-offs to loans | -0.0379% | 4,133 |
| Credit loss provision to net charge-offs | -277.2727% | 3,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8766% | 3,577 |
| Assets per employee ($millions) | 6.8990% | 2,006 |
| Cash dividends to net income (ytd only)* | 56.9647% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,444 |
| Loan loss allowance to noncurrent loans | 340.1906% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 1,902 |
| Noncurrent loans to loans | 0.3664% | 2,052 |
| Net loans and leases to total assets | 75.7567% | 753 |
| Net loans and leases to deposits | 87.0620% | 903 |
| Net loans and leases to core deposits | 88.8733% | 1,180 |
| Total domestic deposits to total assets | 87.0147% | 2,936 |
| Equity capital to assets | 9.5216% | 1,999 |
| Core capital (leverage) ratio | 10.7402% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $627,727,667 | 1,437 |
| Average earning assets | $602,645,000 | 1,396 |
| Average equity | $62,629,333 | 1,398 |
| Average total loans | $464,708,000 | 1,232 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 1,296 |
| Cost of funding earning assets | 0.2711% | 1,919 |
| Net interest margin | 3.4166% | 1,265 |
| Noninterest income to average assets | 0.3524% | 2,987 |
| Noninterest expense to average assets | 2.1312% | 3,044 |
| Loan and lease loss provision to assets | 0.0763% | 1,075 |
| Net operating income to assets | 1.4238% | 753 |
| Return on assets (ROA) | 1.4238% | 749 |
| Pretax return on assets | 1.4238% | 1,194 |
| Return on Equity (ROE) | 13.9470% | 843 |
| Retained earnings to average equity (ytd only) | 6.4149% | 2,103 |
| Net charge-offs to loans | -0.0168% | 3,824 |
| Credit loss provision to net charge-offs | -626.3158% | 3,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6907% | 3,613 |
| Assets per employee ($millions) | 6.8172% | 2,125 |
| Cash dividends to net income (ytd only)* | 54.0054% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2682% | 2,508 |
| Loan loss allowance to noncurrent loans | 288.9818% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 1,805 |
| Noncurrent loans to loans | 0.4388% | 1,929 |
| Net loans and leases to total assets | 73.7301% | 679 |
| Net loans and leases to deposits | 85.1708% | 793 |
| Net loans and leases to core deposits | 86.7883% | 1,089 |
| Total domestic deposits to total assets | 86.5673% | 3,086 |
| Equity capital to assets | 10.0079% | 1,885 |
| Core capital (leverage) ratio | 10.9042% | 1,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $624,239,500 | 1,445 |
| Average earning assets | $599,082,500 | 1,414 |
| Average equity | $63,727,000 | 1,418 |
| Average total loans | $453,612,000 | 1,251 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 1,856 |
| Cost of funding earning assets | 0.3107% | 2,288 |
| Net interest margin | 3.4923% | 1,759 |
| Noninterest income to average assets | 0.4555% | 2,788 |
| Noninterest expense to average assets | 2.1352% | 3,286 |
| Loan and lease loss provision to assets | 0.0796% | 1,538 |
| Net operating income to assets | 1.5852% | 846 |
| Return on assets (ROA) | 1.5855% | 880 |
| Pretax return on assets | 1.5855% | 1,465 |
| Return on Equity (ROE) | 15.1311% | 926 |
| Retained earnings to average equity (ytd only) | 8.3395% | 1,410 |
| Net charge-offs to loans | 0.2051% | 463 |
| Credit loss provision to net charge-offs | 55.2874% | 2,099 |
| Earnings coverage of net charge-offs (x) | 11.5621% | 2,147 |
| Efficiency ratio | 56.1890% | 3,686 |
| Assets per employee ($millions) | 6.9790% | 1,941 |
| Cash dividends to net income (ytd only)* | 44.8852% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,394 |
| Loan loss allowance to noncurrent loans | 104.7663% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.8718% | 672 |
| Noncurrent loans to loans | 1.2335% | 781 |
| Net loans and leases to total assets | 69.7670% | 1,071 |
| Net loans and leases to deposits | 80.8964% | 1,141 |
| Net loans and leases to core deposits | 82.6225% | 1,413 |
| Total domestic deposits to total assets | 86.2424% | 2,824 |
| Equity capital to assets | 10.4071% | 2,259 |
| Core capital (leverage) ratio | 10.5352% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $604,211,600 | 1,441 |
| Average earning assets | $578,647,600 | 1,417 |
| Average equity | $63,313,400 | 1,450 |
| Average total loans | $424,219,200 | 1,315 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 1,726 |
| Cost of funding earning assets | 0.3188% | 2,411 |
| Net interest margin | 3.5934% | 1,613 |
| Noninterest income to average assets | 0.4593% | 2,801 |
| Noninterest expense to average assets | 2.1193% | 3,306 |
| Loan and lease loss provision to assets | 0.0941% | 1,267 |
| Net operating income to assets | 1.6847% | 860 |
| Return on assets (ROA) | 1.6851% | 901 |
| Pretax return on assets | 1.6851% | 1,443 |
| Return on Equity (ROE) | 16.0527% | 940 |
| Retained earnings to average equity (ytd only) | 9.2588% | 1,592 |
| Net charge-offs to loans | 0.2690% | 306 |
| Credit loss provision to net charge-offs | 49.8818% | 1,860 |
| Earnings coverage of net charge-offs (x) | 9.4338% | 2,075 |
| Efficiency ratio | 54.3682% | 3,755 |
| Assets per employee ($millions) | 6.7270% | 2,072 |
| Cash dividends to net income (ytd only)* | 42.3224% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 2,152 |
| Loan loss allowance to noncurrent loans | 123.2865% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 943 |
| Noncurrent loans to loans | 1.1085% | 1,007 |
| Net loans and leases to total assets | 67.9707% | 1,326 |
| Net loans and leases to deposits | 80.7792% | 1,211 |
| Net loans and leases to core deposits | 83.0400% | 1,495 |
| Total domestic deposits to total assets | 84.1437% | 3,423 |
| Equity capital to assets | 10.6710% | 2,292 |
| Core capital (leverage) ratio | 10.9567% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $598,236,750 | 1,468 |
| Average earning assets | $572,487,250 | 1,442 |
| Average equity | $62,799,750 | 1,479 |
| Average total loans | $419,286,250 | 1,350 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0536% | 1,442 |
| Cost of funding earning assets | 0.3287% | 2,505 |
| Net interest margin | 3.7249% | 1,284 |
| Noninterest income to average assets | 0.4773% | 2,724 |
| Noninterest expense to average assets | 2.1184% | 3,337 |
| Loan and lease loss provision to assets | 0.1380% | 885 |
| Net operating income to assets | 1.7850% | 740 |
| Return on assets (ROA) | 1.7850% | 777 |
| Pretax return on assets | 1.7850% | 1,270 |
| Return on Equity (ROE) | 17.1002% | 763 |
| Retained earnings to average equity (ytd only) | 10.0260% | 1,385 |
| Net charge-offs to loans | 0.4105% | 203 |
| Credit loss provision to net charge-offs | 47.6798% | 1,614 |
| Earnings coverage of net charge-offs (x) | 6.6462% | 1,950 |
| Efficiency ratio | 52.4169% | 4,001 |
| Assets per employee ($millions) | 6.0845% | 2,533 |
| Cash dividends to net income (ytd only)* | 41.3689% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 2,201 |
| Loan loss allowance to noncurrent loans | 126.5329% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.8376% | 935 |
| Noncurrent loans to loans | 1.0653% | 1,142 |
| Net loans and leases to total assets | 77.5689% | 474 |
| Net loans and leases to deposits | 94.2803% | 445 |
| Net loans and leases to core deposits | 97.0354% | 760 |
| Total domestic deposits to total assets | 82.2748% | 3,868 |
| Equity capital to assets | 11.8899% | 1,423 |
| Core capital (leverage) ratio | 10.7428% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $595,840,333 | 1,469 |
| Average earning assets | $570,107,667 | 1,442 |
| Average equity | $62,198,000 | 1,479 |
| Average total loans | $419,977,000 | 1,352 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9647% | 1,666 |
| Cost of funding earning assets | 0.3250% | 2,751 |
| Net interest margin | 3.6398% | 1,475 |
| Noninterest income to average assets | 0.4881% | 2,665 |
| Noninterest expense to average assets | 1.9341% | 3,901 |
| Loan and lease loss provision to assets | 0.0703% | 1,756 |
| Net operating income to assets | 1.9762% | 588 |
| Return on assets (ROA) | 1.9762% | 631 |
| Pretax return on assets | 1.9762% | 983 |
| Return on Equity (ROE) | 20.1284% | 522 |
| Retained earnings to average equity (ytd only) | 12.3191% | 1,068 |
| Net charge-offs to loans | -0.0114% | 3,722 |
| Credit loss provision to net charge-offs | -916.6667% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5875% | 4,298 |
| Assets per employee ($millions) | 7.4777% | 1,463 |
| Cash dividends to net income (ytd only)* | 38.7973% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4973% | 1,619 |
| Loan loss allowance to noncurrent loans | 110.5058% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8792% | 999 |
| Noncurrent loans to loans | 1.3550% | 947 |
| Net loans and leases to total assets | 63.9144% | 2,055 |
| Net loans and leases to deposits | 73.4282% | 2,166 |
| Net loans and leases to core deposits | 75.6107% | 2,385 |
| Total domestic deposits to total assets | 87.0434% | 2,296 |
| Equity capital to assets | 9.6518% | 3,050 |
| Core capital (leverage) ratio | 10.0656% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $626,042,500 | 1,398 |
| Average earning assets | $600,700,000 | 1,371 |
| Average equity | $61,465,500 | 1,483 |
| Average total loans | $419,462,000 | 1,363 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1754% | 2,217 |
| Cost of funding earning assets | 0.5179% | 2,825 |
| Net interest margin | 3.6575% | 1,946 |
| Noninterest income to average assets | 0.4726% | 2,759 |
| Noninterest expense to average assets | 2.0454% | 4,050 |
| Loan and lease loss provision to assets | 0.0917% | 3,205 |
| Net operating income to assets | 1.8270% | 364 |
| Return on assets (ROA) | 1.8270% | 395 |
| Pretax return on assets | 1.8270% | 647 |
| Return on Equity (ROE) | 17.8987% | 339 |
| Retained earnings to average equity (ytd only) | 10.2519% | 544 |
| Net charge-offs to loans | 0.0736% | 1,749 |
| Credit loss provision to net charge-offs | 172.3333% | 2,305 |
| Earnings coverage of net charge-offs (x) | 36.0533% | 1,463 |
| Efficiency ratio | 51.5976% | 4,411 |
| Assets per employee ($millions) | 7.0814% | 1,526 |
| Cash dividends to net income (ytd only)* | 42.7226% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4529% | 1,764 |
| Loan loss allowance to noncurrent loans | 101.9640% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 971 |
| Noncurrent loans to loans | 1.4249% | 941 |
| Net loans and leases to total assets | 68.2309% | 1,798 |
| Net loans and leases to deposits | 78.8592% | 1,988 |
| Net loans and leases to core deposits | 81.5482% | 2,225 |
| Total domestic deposits to total assets | 86.5225% | 2,132 |
| Equity capital to assets | 9.9937% | 3,136 |
| Core capital (leverage) ratio | 10.0307% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $563,700,800 | 1,414 |
| Average earning assets | $538,130,400 | 1,378 |
| Average equity | $57,540,600 | 1,491 |
| Average total loans | $407,347,800 | 1,334 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2037% | 2,393 |
| Cost of funding earning assets | 0.5739% | 2,779 |
| Net interest margin | 3.6298% | 2,161 |
| Noninterest income to average assets | 0.4461% | 2,864 |
| Noninterest expense to average assets | 1.9829% | 4,191 |
| Loan and lease loss provision to assets | 0.0635% | 3,543 |
| Net operating income to assets | 1.8620% | 400 |
| Return on assets (ROA) | 1.8620% | 443 |
| Pretax return on assets | 1.8620% | 692 |
| Return on Equity (ROE) | 18.1362% | 351 |
| Retained earnings to average equity (ytd only) | 10.6127% | 654 |
| Net charge-offs to loans | 0.0641% | 1,695 |
| Credit loss provision to net charge-offs | 135.5670% | 2,415 |
| Earnings coverage of net charge-offs (x) | 41.1186% | 1,339 |
| Efficiency ratio | 50.7349% | 4,445 |
| Assets per employee ($millions) | 6.9136% | 1,559 |
| Cash dividends to net income (ytd only)* | 41.4830% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3928% | 1,761 |
| Loan loss allowance to noncurrent loans | 209.4604% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5056% | 2,181 |
| Noncurrent loans to loans | 0.6650% | 2,123 |
| Net loans and leases to total assets | 72.0193% | 1,660 |
| Net loans and leases to deposits | 83.6104% | 1,948 |
| Net loans and leases to core deposits | 87.4335% | 2,197 |
| Total domestic deposits to total assets | 86.1368% | 2,012 |
| Equity capital to assets | 10.0947% | 3,153 |
| Core capital (leverage) ratio | 9.7840% | 2,941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $552,375,750 | 1,417 |
| Average earning assets | $526,890,000 | 1,382 |
| Average equity | $56,710,250 | 1,498 |
| Average total loans | $403,771,500 | 1,333 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2912% | 2,496 |
| Cost of funding earning assets | 0.6405% | 2,755 |
| Net interest margin | 3.6506% | 2,316 |
| Noninterest income to average assets | 0.3770% | 3,219 |
| Noninterest expense to average assets | 1.9367% | 4,353 |
| Loan and lease loss provision to assets | 0.0832% | 3,242 |
| Net operating income to assets | 1.8338% | 470 |
| Return on assets (ROA) | 1.8338% | 515 |
| Pretax return on assets | 1.8338% | 764 |
| Return on Equity (ROE) | 17.7544% | 390 |
| Retained earnings to average equity (ytd only) | 10.5910% | 675 |
| Net charge-offs to loans | 0.1037% | 1,241 |
| Credit loss provision to net charge-offs | 109.7561% | 2,336 |
| Earnings coverage of net charge-offs (x) | 25.2780% | 1,556 |
| Efficiency ratio | 50.2544% | 4,488 |
| Assets per employee ($millions) | 8.4970% | 808 |
| Cash dividends to net income (ytd only)* | 40.3470% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,519 |
| Loan loss allowance to noncurrent loans | 220.9016% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 2,512 |
| Noncurrent loans to loans | 0.6424% | 2,259 |
| Net loans and leases to total assets | 66.4063% | 2,569 |
| Net loans and leases to deposits | 77.6757% | 2,697 |
| Net loans and leases to core deposits | 81.5448% | 2,811 |
| Total domestic deposits to total assets | 85.4918% | 2,207 |
| Equity capital to assets | 9.2999% | 3,831 |
| Core capital (leverage) ratio | 9.8501% | 2,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $540,615,667 | 1,415 |
| Average earning assets | $514,872,000 | 1,389 |
| Average equity | $55,839,667 | 1,502 |
| Average total loans | $395,294,000 | 1,342 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,757 |
| Cost of funding earning assets | 0.7931% | 2,435 |
| Net interest margin | 3.8914% | 1,699 |
| Noninterest income to average assets | 0.3594% | 3,372 |
| Noninterest expense to average assets | 2.0192% | 4,362 |
| Loan and lease loss provision to assets | 0.0998% | 2,435 |
| Net operating income to assets | 1.9322% | 309 |
| Return on assets (ROA) | 1.9322% | 337 |
| Pretax return on assets | 1.9322% | 529 |
| Return on Equity (ROE) | 17.6195% | 294 |
| Retained earnings to average equity (ytd only) | 10.3357% | 679 |
| Net charge-offs to loans | 0.1739% | 766 |
| Credit loss provision to net charge-offs | 74.8503% | 1,956 |
| Earnings coverage of net charge-offs (x) | 15.2335% | 1,570 |
| Efficiency ratio | 49.8423% | 4,680 |
| Assets per employee ($millions) | 7.2427% | 984 |
| Cash dividends to net income (ytd only)* | 41.3394% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,227 |
| Loan loss allowance to noncurrent loans | 213.1904% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.5624% | 2,310 |
| Noncurrent loans to loans | 0.7216% | 2,192 |
| Net loans and leases to total assets | 72.0101% | 1,917 |
| Net loans and leases to deposits | 86.4346% | 1,941 |
| Net loans and leases to core deposits | 92.8137% | 2,085 |
| Total domestic deposits to total assets | 83.3116% | 3,015 |
| Equity capital to assets | 10.6885% | 3,152 |
| Core capital (leverage) ratio | 10.7223% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $500,782,000 | 1,463 |
| Average earning assets | $475,099,500 | 1,433 |
| Average equity | $54,916,500 | 1,521 |
| Average total loans | $384,023,000 | 1,344 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 1,633 |
| Cost of funding earning assets | 1.0368% | 1,575 |
| Net interest margin | 3.9029% | 2,168 |
| Noninterest income to average assets | 0.3823% | 3,400 |
| Noninterest expense to average assets | 2.2106% | 4,142 |
| Loan and lease loss provision to assets | 0.1745% | 1,195 |
| Net operating income to assets | 1.6870% | 679 |
| Return on assets (ROA) | 1.6949% | 709 |
| Pretax return on assets | 1.6949% | 1,201 |
| Return on Equity (ROE) | 15.8585% | 561 |
| Retained earnings to average equity (ytd only) | 8.1283% | 936 |
| Net charge-offs to loans | 0.0682% | 2,113 |
| Credit loss provision to net charge-offs | 327.5194% | 849 |
| Earnings coverage of net charge-offs (x) | 34.9341% | 1,428 |
| Efficiency ratio | 54.2859% | 4,395 |
| Assets per employee ($millions) | 6.7618% | 1,147 |
| Cash dividends to net income (ytd only)* | 48.7448% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 1,147 |
| Loan loss allowance to noncurrent loans | 235.1373% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 2,189 |
| Noncurrent loans to loans | 0.6499% | 2,267 |
| Net loans and leases to total assets | 79.3094% | 885 |
| Net loans and leases to deposits | 96.4286% | 904 |
| Net loans and leases to core deposits | 104.6775% | 1,188 |
| Total domestic deposits to total assets | 82.2468% | 3,441 |
| Equity capital to assets | 11.2677% | 2,744 |
| Core capital (leverage) ratio | 10.4879% | 2,962 |
| Tier 1 risk-based capital ratio | 13.8717% | 3,332 |
| Total risk-based capital ratio | 15.1250% | 3,236 |
| Memoranda: | ||
| Average total assets | $484,168,200 | 1,465 |
| Average earning assets | $457,735,400 | 1,436 |
| Average equity | $51,745,200 | 1,550 |
| Average total loans | $378,150,800 | 1,335 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 1,813 |
| Cost of funding earning assets | 1.0475% | 1,549 |
| Net interest margin | 3.8546% | 2,418 |
| Noninterest income to average assets | 0.3303% | 3,767 |
| Noninterest expense to average assets | 2.0539% | 4,448 |
| Loan and lease loss provision to assets | 0.1951% | 909 |
| Net operating income to assets | 1.7238% | 710 |
| Return on assets (ROA) | 1.7343% | 736 |
| Pretax return on assets | 1.7343% | 1,236 |
| Return on Equity (ROE) | 16.4481% | 542 |
| Retained earnings to average equity (ytd only) | 8.6293% | 1,158 |
| Net charge-offs to loans | 0.0660% | 1,883 |
| Credit loss provision to net charge-offs | 381.7204% | 794 |
| Earnings coverage of net charge-offs (x) | 37.5436% | 1,425 |
| Efficiency ratio | 51.6981% | 4,624 |
| Assets per employee ($millions) | 7.1248% | 980 |
| Cash dividends to net income (ytd only)* | 47.5360% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 1,161 |
| Loan loss allowance to noncurrent loans | 596.5306% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 3,529 |
| Noncurrent loans to loans | 0.2567% | 3,624 |
| Net loans and leases to total assets | 74.3054% | 1,754 |
| Net loans and leases to deposits | 93.6423% | 1,254 |
| Net loans and leases to core deposits | 101.7922% | 1,522 |
| Total domestic deposits to total assets | 79.3503% | 4,109 |
| Equity capital to assets | 10.5207% | 3,526 |
| Core capital (leverage) ratio | 10.7125% | 2,928 |
| Tier 1 risk-based capital ratio | 13.8797% | 3,385 |
| Total risk-based capital ratio | 15.1332% | 3,298 |
| Memoranda: | ||
| Average total assets | $485,188,500 | 1,471 |
| Average earning assets | $458,489,500 | 1,444 |
| Average equity | $51,157,750 | 1,570 |
| Average total loans | $376,022,750 | 1,347 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 1,728 |
| Cost of funding earning assets | 1.0803% | 1,381 |
| Net interest margin | 3.8273% | 2,490 |
| Noninterest income to average assets | 0.3052% | 3,887 |
| Noninterest expense to average assets | 2.0795% | 4,450 |
| Loan and lease loss provision to assets | 0.1903% | 927 |
| Net operating income to assets | 1.6458% | 817 |
| Return on assets (ROA) | 1.6580% | 826 |
| Pretax return on assets | 1.6580% | 1,371 |
| Return on Equity (ROE) | 15.7122% | 635 |
| Retained earnings to average equity (ytd only) | 8.1830% | 1,322 |
| Net charge-offs to loans | 0.1032% | 1,357 |
| Credit loss provision to net charge-offs | 235.7513% | 1,069 |
| Earnings coverage of net charge-offs (x) | 22.7513% | 1,676 |
| Efficiency ratio | 53.1076% | 4,549 |
| Assets per employee ($millions) | 6.6572% | 1,159 |
| Cash dividends to net income (ytd only)* | 47.9193% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 1,324 |
| Loan loss allowance to noncurrent loans | 604.9837% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 3,507 |
| Noncurrent loans to loans | 0.2454% | 3,658 |
| Net loans and leases to total assets | 78.4090% | 1,146 |
| Net loans and leases to deposits | 100.2209% | 658 |
| Net loans and leases to core deposits | 109.5232% | 998 |
| Total domestic deposits to total assets | 78.2362% | 4,347 |
| Equity capital to assets | 10.9681% | 3,100 |
| Core capital (leverage) ratio | 10.6577% | 2,929 |
| Tier 1 risk-based capital ratio | 13.5118% | 3,579 |
| Total risk-based capital ratio | 14.7643% | 3,474 |
| Memoranda: | ||
| Average total assets | $478,298,670 | 1,490 |
| Average earning assets | $451,176,330 | 1,465 |
| Average equity | $50,470,330 | 1,578 |
| Average total loans | $374,121,670 | 1,355 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 1,919 |
| Cost of funding earning assets | 1.0589% | 1,343 |
| Net interest margin | 3.7343% | 2,767 |
| Noninterest income to average assets | 0.2378% | 4,308 |
| Noninterest expense to average assets | 1.9779% | 4,685 |
| Loan and lease loss provision to assets | 0.2328% | 647 |
| Net operating income to assets | 1.5456% | 1,016 |
| Return on assets (ROA) | 1.5456% | 1,047 |
| Pretax return on assets | 1.5456% | 1,622 |
| Return on Equity (ROE) | 14.9364% | 757 |
| Retained earnings to average equity (ytd only) | 6.9017% | 2,080 |
| Net charge-offs to loans | -0.0386% | 4,748 |
| Credit loss provision to net charge-offs | -777.7778% | 3,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6560% | 4,647 |
| Assets per employee ($millions) | 6.8555% | 1,063 |
| Cash dividends to net income (ytd only)* | 53.7924% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 1,321 |
| Loan loss allowance to noncurrent loans | 851.6616% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.4763% | 2,705 |
| Noncurrent loans to loans | 0.1768% | 3,963 |
| Net loans and leases to total assets | 74.7099% | 1,688 |
| Net loans and leases to deposits | 94.0516% | 1,171 |
| Net loans and leases to core deposits | 101.9392% | 1,467 |
| Total domestic deposits to total assets | 79.4350% | 4,263 |
| Equity capital to assets | 10.2142% | 3,606 |
| Core capital (leverage) ratio | 10.6743% | 2,871 |
| Tier 1 risk-based capital ratio | 13.0115% | 3,873 |
| Total risk-based capital ratio | 14.2639% | 3,773 |
| Memoranda: | ||
| Average total assets | $481,118,000 | 1,489 |
| Average earning assets | $453,306,000 | 1,467 |
| Average equity | $49,784,500 | 1,584 |
| Average total loans | $373,086,500 | 1,362 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,743 |
| Cost of funding earning assets | 0.6710% | 2,259 |
| Net interest margin | 4.0549% | 1,805 |
| Noninterest income to average assets | 0.3524% | 3,743 |
| Noninterest expense to average assets | 2.2313% | 4,269 |
| Loan and lease loss provision to assets | 0.1868% | 1,033 |
| Net operating income to assets | 1.7490% | 618 |
| Return on assets (ROA) | 1.7399% | 631 |
| Pretax return on assets | 1.7399% | 1,069 |
| Return on Equity (ROE) | 15.8118% | 670 |
| Retained earnings to average equity (ytd only) | 8.8610% | 919 |
| Net charge-offs to loans | 0.0337% | 2,733 |
| Credit loss provision to net charge-offs | 695.6522% | 500 |
| Earnings coverage of net charge-offs (x) | 72.0783% | 917 |
| Efficiency ratio | 53.5448% | 4,656 |
| Assets per employee ($millions) | 6.6949% | 1,117 |
| Cash dividends to net income (ytd only)* | 43.9597% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 1,516 |
| Loan loss allowance to noncurrent loans | 295.3385% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4519% | 2,754 |
| Noncurrent loans to loans | 0.4847% | 2,822 |
| Net loans and leases to total assets | 78.1939% | 1,248 |
| Net loans and leases to deposits | 99.4453% | 784 |
| Net loans and leases to core deposits | 108.0837% | 1,111 |
| Total domestic deposits to total assets | 78.6301% | 4,388 |
| Equity capital to assets | 10.4882% | 3,207 |
| Core capital (leverage) ratio | 10.8676% | 2,658 |
| Tier 1 risk-based capital ratio | 13.0114% | 3,839 |
| Total risk-based capital ratio | 14.2631% | 3,725 |
| Memoranda: | ||
| Average total assets | $428,178,200 | 1,600 |
| Average earning assets | $402,825,800 | 1,578 |
| Average equity | $47,116,800 | 1,594 |
| Average total loans | $341,734,400 | 1,431 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 1,802 |
| Cost of funding earning assets | 0.5575% | 2,808 |
| Net interest margin | 4.1007% | 1,628 |
| Noninterest income to average assets | 0.3393% | 3,881 |
| Noninterest expense to average assets | 2.1929% | 4,338 |
| Loan and lease loss provision to assets | 0.1276% | 1,575 |
| Net operating income to assets | 1.8801% | 510 |
| Return on assets (ROA) | 1.8801% | 510 |
| Pretax return on assets | 1.8801% | 847 |
| Return on Equity (ROE) | 16.8636% | 558 |
| Retained earnings to average equity (ytd only) | 10.3556% | 808 |
| Net charge-offs to loans | 0.0455% | 2,185 |
| Credit loss provision to net charge-offs | 350.8772% | 891 |
| Earnings coverage of net charge-offs (x) | 55.2179% | 1,110 |
| Efficiency ratio | 52.2056% | 4,788 |
| Assets per employee ($millions) | 6.4105% | 1,231 |
| Cash dividends to net income (ytd only)* | 38.5921% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,674 |
| Loan loss allowance to noncurrent loans | 501.8349% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 3,588 |
| Noncurrent loans to loans | 0.2800% | 3,685 |
| Net loans and leases to total assets | 75.8955% | 1,672 |
| Net loans and leases to deposits | 97.0797% | 1,034 |
| Net loans and leases to core deposits | 106.7469% | 1,252 |
| Total domestic deposits to total assets | 78.1786% | 4,459 |
| Equity capital to assets | 10.6006% | 3,046 |
| Core capital (leverage) ratio | 11.3011% | 2,335 |
| Tier 1 risk-based capital ratio | 13.3858% | 3,688 |
| Total risk-based capital ratio | 14.6367% | 3,612 |
| Memoranda: | ||
| Average total assets | $418,062,750 | 1,642 |
| Average earning assets | $393,643,750 | 1,619 |
| Average equity | $46,608,000 | 1,610 |
| Average total loans | $334,225,500 | 1,464 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6103% | 1,750 |
| Cost of funding earning assets | 0.4853% | 3,129 |
| Net interest margin | 4.1249% | 1,477 |
| Noninterest income to average assets | 0.3791% | 3,628 |
| Noninterest expense to average assets | 2.2721% | 4,207 |
| Loan and lease loss provision to assets | 0.0838% | 2,239 |
| Net operating income to assets | 1.9113% | 458 |
| Return on assets (ROA) | 1.9113% | 455 |
| Pretax return on assets | 1.9113% | 752 |
| Return on Equity (ROE) | 16.8341% | 545 |
| Retained earnings to average equity (ytd only) | 10.4296% | 813 |
| Net charge-offs to loans | 0.0748% | 1,581 |
| Credit loss provision to net charge-offs | 138.2114% | 1,656 |
| Earnings coverage of net charge-offs (x) | 32.9024% | 1,424 |
| Efficiency ratio | 53.2463% | 4,761 |
| Assets per employee ($millions) | 6.1870% | 1,337 |
| Cash dividends to net income (ytd only)* | 38.0449% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 1,827 |
| Loan loss allowance to noncurrent loans | 487.4089% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.3275% | 3,450 |
| Noncurrent loans to loans | 0.2826% | 3,688 |
| Net loans and leases to total assets | 79.7249% | 1,059 |
| Net loans and leases to deposits | 90.0206% | 1,838 |
| Net loans and leases to core deposits | 101.2488% | 1,632 |
| Total domestic deposits to total assets | 88.5630% | 1,115 |
| Equity capital to assets | 11.2166% | 2,440 |
| Core capital (leverage) ratio | 11.5580% | 2,029 |
| Tier 1 risk-based capital ratio | 14.1335% | 3,295 |
| Total risk-based capital ratio | 15.3850% | 3,212 |
| Memoranda: | ||
| Average total assets | $405,702,330 | 1,700 |
| Average earning assets | $382,407,330 | 1,677 |
| Average equity | $46,061,330 | 1,632 |
| Average total loans | $328,848,330 | 1,486 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 1,828 |
| Cost of funding earning assets | 0.4388% | 3,300 |
| Net interest margin | 4.0747% | 1,501 |
| Noninterest income to average assets | 0.4048% | 3,425 |
| Noninterest expense to average assets | 2.2301% | 4,344 |
| Loan and lease loss provision to assets | 0.0804% | 2,179 |
| Net operating income to assets | 1.9377% | 422 |
| Return on assets (ROA) | 1.9377% | 422 |
| Pretax return on assets | 1.9377% | 664 |
| Return on Equity (ROE) | 16.9594% | 517 |
| Retained earnings to average equity (ytd only) | 10.5853% | 995 |
| Net charge-offs to loans | 0.1708% | 848 |
| Credit loss provision to net charge-offs | 57.9710% | 1,897 |
| Earnings coverage of net charge-offs (x) | 14.5580% | 1,703 |
| Efficiency ratio | 52.4947% | 4,929 |
| Assets per employee ($millions) | 5.8985% | 1,602 |
| Cash dividends to net income (ytd only)* | 37.5842% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 1,880 |
| Loan loss allowance to noncurrent loans | 90.4941% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 1,092 |
| Noncurrent loans to loans | 1.5363% | 1,142 |
| Net loans and leases to total assets | 79.7981% | 965 |
| Net loans and leases to deposits | 90.1840% | 1,669 |
| Net loans and leases to core deposits | 94.9624% | 2,060 |
| Total domestic deposits to total assets | 88.4837% | 1,362 |
| Equity capital to assets | 11.2893% | 2,312 |
| Core capital (leverage) ratio | 11.8138% | 1,768 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,184 |
| Total risk-based capital ratio | 15.6197% | 3,102 |
| Memoranda: | ||
| Average total assets | $398,196,500 | 1,749 |
| Average earning assets | $375,589,500 | 1,722 |
| Average equity | $45,497,000 | 1,659 |
| Average total loans | $323,223,500 | 1,512 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3272% | 2,241 |
| Cost of funding earning assets | 0.3912% | 3,325 |
| Net interest margin | 3.9360% | 1,966 |
| Noninterest income to average assets | 0.3659% | 3,850 |
| Noninterest expense to average assets | 2.2439% | 4,449 |
| Loan and lease loss provision to assets | 0.0456% | 3,327 |
| Net operating income to assets | 1.7905% | 429 |
| Return on assets (ROA) | 1.7905% | 437 |
| Pretax return on assets | 1.7905% | 812 |
| Return on Equity (ROE) | 16.3114% | 446 |
| Retained earnings to average equity (ytd only) | 8.6084% | 583 |
| Net charge-offs to loans | 0.0059% | 3,874 |
| Credit loss provision to net charge-offs | 1,000.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 402.3333% | 216 |
| Efficiency ratio | 54.9963% | 4,863 |
| Assets per employee ($millions) | 5.5628% | 1,876 |
| Cash dividends to net income (ytd only)* | 47.2246% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 1,536 |
| Loan loss allowance to noncurrent loans | 90.6372% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.5147% | 899 |
| Noncurrent loans to loans | 1.6134% | 1,032 |
| Net loans and leases to total assets | 80.2409% | 924 |
| Net loans and leases to deposits | 90.9494% | 1,657 |
| Net loans and leases to core deposits | 95.9340% | 2,027 |
| Total domestic deposits to total assets | 88.2259% | 1,387 |
| Equity capital to assets | 11.5684% | 2,140 |
| Core capital (leverage) ratio | 11.7295% | 1,774 |
| Tier 1 risk-based capital ratio | 14.0017% | 3,360 |
| Total risk-based capital ratio | 15.2539% | 3,263 |
| Memoranda: | ||
| Average total assets | $394,408,400 | 1,726 |
| Average earning assets | $372,184,400 | 1,695 |
| Average equity | $43,294,800 | 1,718 |
| Average total loans | $307,403,800 | 1,540 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,358 |
| Cost of funding earning assets | 0.3864% | 3,315 |
| Net interest margin | 3.8840% | 2,093 |
| Noninterest income to average assets | 0.3808% | 3,808 |
| Noninterest expense to average assets | 2.1530% | 4,629 |
| Loan and lease loss provision to assets | 0.0607% | 2,868 |
| Net operating income to assets | 1.8322% | 438 |
| Return on assets (ROA) | 1.8322% | 447 |
| Pretax return on assets | 1.8322% | 815 |
| Return on Equity (ROE) | 16.9148% | 436 |
| Retained earnings to average equity (ytd only) | 9.4950% | 709 |
| Net charge-offs to loans | 0.0122% | 3,301 |
| Credit loss provision to net charge-offs | 642.8571% | 510 |
| Earnings coverage of net charge-offs (x) | 200.6201% | 433 |
| Efficiency ratio | 53.2151% | 4,993 |
| Assets per employee ($millions) | 5.4506% | 1,974 |
| Cash dividends to net income (ytd only)* | 43.8661% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5025% | 1,524 |
| Loan loss allowance to noncurrent loans | 379.8851% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 2,872 |
| Noncurrent loans to loans | 0.3955% | 3,539 |
| Net loans and leases to total assets | 79.5012% | 1,054 |
| Net loans and leases to deposits | 93.5035% | 1,355 |
| Net loans and leases to core deposits | 98.9251% | 1,805 |
| Total domestic deposits to total assets | 85.0249% | 2,702 |
| Equity capital to assets | 11.7296% | 2,167 |
| Core capital (leverage) ratio | 11.3652% | 2,129 |
| Tier 1 risk-based capital ratio | 14.4246% | 3,226 |
| Total risk-based capital ratio | 15.6776% | 3,142 |
| Memoranda: | ||
| Average total assets | $395,661,500 | 1,732 |
| Average earning assets | $373,355,250 | 1,709 |
| Average equity | $42,856,750 | 1,749 |
| Average total loans | $304,981,750 | 1,559 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1725% | 2,574 |
| Cost of funding earning assets | 0.3783% | 3,304 |
| Net interest margin | 3.7942% | 2,309 |
| Noninterest income to average assets | 0.3247% | 4,228 |
| Noninterest expense to average assets | 2.1275% | 4,722 |
| Loan and lease loss provision to assets | 0.0899% | 2,184 |
| Net operating income to assets | 1.6894% | 575 |
| Return on assets (ROA) | 1.6894% | 586 |
| Pretax return on assets | 1.6894% | 1,083 |
| Return on Equity (ROE) | 16.0191% | 526 |
| Retained earnings to average equity (ytd only) | 8.4879% | 999 |
| Net charge-offs to loans | 0.0217% | 2,790 |
| Credit loss provision to net charge-offs | 545.4545% | 614 |
| Earnings coverage of net charge-offs (x) | 107.9394% | 620 |
| Efficiency ratio | 54.4560% | 4,980 |
| Assets per employee ($millions) | 5.5739% | 1,804 |
| Cash dividends to net income (ytd only)* | 47.0136% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,574 |
| Loan loss allowance to noncurrent loans | 78.5654% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 1.9306% | 677 |
| Noncurrent loans to loans | 1.9109% | 907 |
| Net loans and leases to total assets | 78.8474% | 1,118 |
| Net loans and leases to deposits | 89.8933% | 1,744 |
| Net loans and leases to core deposits | 96.9478% | 1,891 |
| Total domestic deposits to total assets | 87.7122% | 1,610 |
| Equity capital to assets | 11.3198% | 2,478 |
| Core capital (leverage) ratio | 10.7938% | 2,606 |
| Tier 1 risk-based capital ratio | 14.1173% | 3,363 |
| Total risk-based capital ratio | 15.3704% | 3,272 |
| Memoranda: | ||
| Average total assets | $400,368,670 | 1,722 |
| Average earning assets | $377,996,000 | 1,690 |
| Average equity | $42,224,670 | 1,767 |
| Average total loans | $303,990,330 | 1,555 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0313% | 2,925 |
| Cost of funding earning assets | 0.3714% | 3,298 |
| Net interest margin | 3.6599% | 2,654 |
| Noninterest income to average assets | 0.3067% | 4,369 |
| Noninterest expense to average assets | 2.0566% | 4,931 |
| Loan and lease loss provision to assets | 0.0882% | 2,069 |
| Net operating income to assets | 1.6284% | 642 |
| Return on assets (ROA) | 1.6284% | 658 |
| Pretax return on assets | 1.6284% | 1,167 |
| Return on Equity (ROE) | 15.9927% | 531 |
| Retained earnings to average equity (ytd only) | 8.3428% | 1,329 |
| Net charge-offs to loans | -0.0066% | 4,270 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5053% | 5,087 |
| Assets per employee ($millions) | 5.9167% | 1,568 |
| Cash dividends to net income (ytd only)* | 47.8339% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,588 |
| Loan loss allowance to noncurrent loans | 278.9377% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 2,409 |
| Noncurrent loans to loans | 0.5483% | 3,172 |
| Net loans and leases to total assets | 70.0330% | 2,373 |
| Net loans and leases to deposits | 77.9984% | 2,964 |
| Net loans and leases to core deposits | 83.5508% | 2,940 |
| Total domestic deposits to total assets | 89.7878% | 755 |
| Equity capital to assets | 10.0344% | 3,711 |
| Core capital (leverage) ratio | 10.5406% | 2,853 |
| Tier 1 risk-based capital ratio | 14.3891% | 3,264 |
| Total risk-based capital ratio | 15.6426% | 3,186 |
| Memoranda: | ||
| Average total assets | $408,252,500 | 1,699 |
| Average earning assets | $386,676,500 | 1,668 |
| Average equity | $41,569,000 | 1,791 |
| Average total loans | $302,050,500 | 1,570 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2396% | 2,352 |
| Cost of funding earning assets | 0.3937% | 3,056 |
| Net interest margin | 3.8459% | 2,153 |
| Noninterest income to average assets | 0.3388% | 4,314 |
| Noninterest expense to average assets | 2.2122% | 4,749 |
| Loan and lease loss provision to assets | 0.0725% | 2,906 |
| Net operating income to assets | 1.7089% | 535 |
| Return on assets (ROA) | 1.7102% | 557 |
| Pretax return on assets | 1.7102% | 976 |
| Return on Equity (ROE) | 16.0908% | 499 |
| Retained earnings to average equity (ytd only) | 7.1418% | 1,171 |
| Net charge-offs to loans | 0.0939% | 2,371 |
| Credit loss provision to net charge-offs | 99.2780% | 2,623 |
| Earnings coverage of net charge-offs (x) | 24.4079% | 1,638 |
| Efficiency ratio | 55.3935% | 5,120 |
| Assets per employee ($millions) | 6.0988% | 1,408 |
| Cash dividends to net income (ytd only)* | 55.6155% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 1,812 |
| Loan loss allowance to noncurrent loans | 185.6076% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8322% | 2,263 |
| Noncurrent loans to loans | 0.7896% | 2,542 |
| Net loans and leases to total assets | 75.8939% | 1,530 |
| Net loans and leases to deposits | 84.8094% | 2,331 |
| Net loans and leases to core deposits | 94.1818% | 2,085 |
| Total domestic deposits to total assets | 89.4876% | 866 |
| Equity capital to assets | 10.3388% | 3,340 |
| Core capital (leverage) ratio | 10.4775% | 2,898 |
| Tier 1 risk-based capital ratio | 13.9613% | 3,481 |
| Total risk-based capital ratio | 15.2143% | 3,396 |
| Memoranda: | ||
| Average total assets | $379,539,400 | 1,767 |
| Average earning assets | $360,669,200 | 1,718 |
| Average equity | $40,339,800 | 1,839 |
| Average total loans | $294,981,200 | 1,541 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 2,284 |
| Cost of funding earning assets | 0.3956% | 3,060 |
| Net interest margin | 3.8681% | 2,089 |
| Noninterest income to average assets | 0.3762% | 4,091 |
| Noninterest expense to average assets | 2.1592% | 4,870 |
| Loan and lease loss provision to assets | 0.0799% | 2,608 |
| Net operating income to assets | 1.8157% | 469 |
| Return on assets (ROA) | 1.8174% | 499 |
| Pretax return on assets | 1.8174% | 870 |
| Return on Equity (ROE) | 16.9771% | 449 |
| Retained earnings to average equity (ytd only) | 7.3371% | 1,465 |
| Net charge-offs to loans | 0.1304% | 1,661 |
| Credit loss provision to net charge-offs | 78.6713% | 2,682 |
| Earnings coverage of net charge-offs (x) | 18.6575% | 1,982 |
| Efficiency ratio | 53.2504% | 5,289 |
| Assets per employee ($millions) | 5.8822% | 1,525 |
| Cash dividends to net income (ytd only)* | 56.7827% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,814 |
| Loan loss allowance to noncurrent loans | 251.9110% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 2,796 |
| Noncurrent loans to loans | 0.5899% | 3,238 |
| Net loans and leases to total assets | 75.4080% | 1,635 |
| Net loans and leases to deposits | 84.5942% | 2,417 |
| Net loans and leases to core deposits | 95.7354% | 2,021 |
| Total domestic deposits to total assets | 89.1409% | 828 |
| Equity capital to assets | 10.6602% | 3,394 |
| Core capital (leverage) ratio | 10.4665% | 3,031 |
| Tier 1 risk-based capital ratio | 14.6414% | 3,217 |
| Total risk-based capital ratio | 15.8954% | 3,159 |
| Memoranda: | ||
| Average total assets | $375,319,500 | 1,784 |
| Average earning assets | $356,932,000 | 1,739 |
| Average equity | $40,178,500 | 1,853 |
| Average total loans | $292,393,250 | 1,556 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 2,240 |
| Cost of funding earning assets | 0.3978% | 3,061 |
| Net interest margin | 3.8750% | 2,064 |
| Noninterest income to average assets | 0.3666% | 4,133 |
| Noninterest expense to average assets | 2.1918% | 4,860 |
| Loan and lease loss provision to assets | 0.0539% | 3,069 |
| Net operating income to assets | 1.8069% | 470 |
| Return on assets (ROA) | 1.8096% | 494 |
| Pretax return on assets | 1.8096% | 866 |
| Return on Equity (ROE) | 16.8795% | 451 |
| Retained earnings to average equity (ytd only) | 6.7780% | 1,724 |
| Net charge-offs to loans | 0.0660% | 2,247 |
| Credit loss provision to net charge-offs | 104.1667% | 2,036 |
| Earnings coverage of net charge-offs (x) | 35.9583% | 1,238 |
| Efficiency ratio | 54.0835% | 5,302 |
| Assets per employee ($millions) | 5.7777% | 1,561 |
| Cash dividends to net income (ytd only)* | 59.8451% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 1,789 |
| Loan loss allowance to noncurrent loans | 190.2760% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 2,134 |
| Noncurrent loans to loans | 0.7983% | 2,749 |
| Net loans and leases to total assets | 77.3538% | 1,286 |
| Net loans and leases to deposits | 88.8177% | 1,888 |
| Net loans and leases to core deposits | 103.1601% | 1,387 |
| Total domestic deposits to total assets | 87.0928% | 1,867 |
| Equity capital to assets | 10.8659% | 3,212 |
| Core capital (leverage) ratio | 10.4740% | 3,003 |
| Tier 1 risk-based capital ratio | 14.5077% | 3,314 |
| Total risk-based capital ratio | 15.7622% | 3,240 |
| Memoranda: | ||
| Average total assets | $371,016,670 | 1,807 |
| Average earning assets | $352,926,000 | 1,762 |
| Average equity | $39,776,000 | 1,866 |
| Average total loans | $290,800,670 | 1,568 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 2,300 |
| Cost of funding earning assets | 0.3978% | 3,096 |
| Net interest margin | 3.8523% | 2,092 |
| Noninterest income to average assets | 0.3005% | 4,576 |
| Noninterest expense to average assets | 2.2140% | 4,873 |
| Loan and lease loss provision to assets | 0.0271% | 3,308 |
| Net operating income to assets | 1.7258% | 539 |
| Return on assets (ROA) | 1.7258% | 574 |
| Pretax return on assets | 1.7258% | 1,005 |
| Return on Equity (ROE) | 16.2097% | 515 |
| Retained earnings to average equity (ytd only) | 3.6271% | 3,679 |
| Net charge-offs to loans | 0.0069% | 2,883 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 323.2000% | 185 |
| Efficiency ratio | 55.8108% | 5,206 |
| Assets per employee ($millions) | 5.7684% | 1,611 |
| Cash dividends to net income (ytd only)* | 77.6241% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,811 |
| Loan loss allowance to noncurrent loans | 147.3460% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 2,147 |
| Noncurrent loans to loans | 1.0473% | 2,300 |
| Net loans and leases to total assets | 75.3618% | 1,494 |
| Net loans and leases to deposits | 84.2677% | 2,280 |
| Net loans and leases to core deposits | 96.3477% | 1,762 |
| Total domestic deposits to total assets | 89.4314% | 872 |
| Equity capital to assets | 10.3800% | 3,639 |
| Core capital (leverage) ratio | 10.4245% | 3,049 |
| Tier 1 risk-based capital ratio | 14.3409% | 3,472 |
| Total risk-based capital ratio | 15.5956% | 3,396 |
| Memoranda: | ||
| Average total assets | $368,749,500 | 1,817 |
| Average earning assets | $350,958,500 | 1,773 |
| Average equity | $39,260,500 | 1,881 |
| Average total loans | $288,709,000 | 1,570 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2301% | 2,458 |
| Cost of funding earning assets | 0.4122% | 3,033 |
| Net interest margin | 3.8180% | 2,312 |
| Noninterest income to average assets | 0.2911% | 4,808 |
| Noninterest expense to average assets | 2.2622% | 4,896 |
| Loan and lease loss provision to assets | 0.0553% | 3,206 |
| Net operating income to assets | 1.5798% | 743 |
| Return on assets (ROA) | 1.5895% | 746 |
| Pretax return on assets | 1.5895% | 1,282 |
| Return on Equity (ROE) | 16.8420% | 473 |
| Retained earnings to average equity (ytd only) | 6.8961% | 1,323 |
| Net charge-offs to loans | 0.0317% | 3,585 |
| Credit loss provision to net charge-offs | 227.2727% | 1,248 |
| Earnings coverage of net charge-offs (x) | 67.2045% | 799 |
| Efficiency ratio | 58.0448% | 5,140 |
| Assets per employee ($millions) | 5.3252% | 1,979 |
| Cash dividends to net income (ytd only)* | 59.0537% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 1,736 |
| Loan loss allowance to noncurrent loans | 332.3682% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 3,216 |
| Noncurrent loans to loans | 0.4710% | 3,782 |
| Net loans and leases to total assets | 78.9078% | 1,005 |
| Net loans and leases to deposits | 88.7870% | 1,778 |
| Net loans and leases to core deposits | 99.4718% | 1,554 |
| Total domestic deposits to total assets | 88.8732% | 1,192 |
| Equity capital to assets | 10.9318% | 2,895 |
| Core capital (leverage) ratio | 10.8014% | 2,606 |
| Tier 1 risk-based capital ratio | 14.8566% | 3,238 |
| Total risk-based capital ratio | 16.1123% | 3,179 |
| Memoranda: | ||
| Average total assets | $361,683,800 | 1,809 |
| Average earning assets | $341,622,000 | 1,777 |
| Average equity | $34,135,000 | 2,085 |
| Average total loans | $277,526,800 | 1,580 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 2,523 |
| Cost of funding earning assets | 0.4173% | 3,036 |
| Net interest margin | 3.7984% | 2,393 |
| Noninterest income to average assets | 0.3163% | 4,678 |
| Noninterest expense to average assets | 2.1566% | 5,150 |
| Loan and lease loss provision to assets | 0.0735% | 2,700 |
| Net operating income to assets | 1.6680% | 667 |
| Return on assets (ROA) | 1.6808% | 676 |
| Pretax return on assets | 1.6808% | 1,157 |
| Return on Equity (ROE) | 18.5304% | 367 |
| Retained earnings to average equity (ytd only) | 4.7794% | 3,069 |
| Net charge-offs to loans | 0.0068% | 3,934 |
| Credit loss provision to net charge-offs | 1,428.5714% | 253 |
| Earnings coverage of net charge-offs (x) | 338.5024% | 218 |
| Efficiency ratio | 55.3252% | 5,422 |
| Assets per employee ($millions) | 5.2501% | 2,002 |
| Cash dividends to net income (ytd only)* | 74.2076% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6373% | 1,643 |
| Loan loss allowance to noncurrent loans | 290.0574% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 3,178 |
| Noncurrent loans to loans | 0.5645% | 3,650 |
| Net loans and leases to total assets | 77.7265% | 1,146 |
| Net loans and leases to deposits | 93.3149% | 1,276 |
| Net loans and leases to core deposits | 107.2538% | 1,022 |
| Total domestic deposits to total assets | 83.2949% | 3,702 |
| Equity capital to assets | 10.8002% | 3,239 |
| Core capital (leverage) ratio | 10.5318% | 3,006 |
| Tier 1 risk-based capital ratio | 14.7818% | 3,396 |
| Total risk-based capital ratio | 16.0384% | 3,346 |
| Memoranda: | ||
| Average total assets | $362,908,250 | 1,815 |
| Average earning assets | $342,205,250 | 1,787 |
| Average equity | $32,918,000 | 2,168 |
| Average total loans | $275,406,250 | 1,598 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 2,675 |
| Cost of funding earning assets | 0.4182% | 3,056 |
| Net interest margin | 3.7433% | 2,533 |
| Noninterest income to average assets | 0.3197% | 4,672 |
| Noninterest expense to average assets | 2.1450% | 5,238 |
| Loan and lease loss provision to assets | 0.1091% | 2,011 |
| Net operating income to assets | 1.5962% | 746 |
| Return on assets (ROA) | 1.5967% | 774 |
| Pretax return on assets | 1.5967% | 1,336 |
| Return on Equity (ROE) | 18.7464% | 357 |
| Retained earnings to average equity (ytd only) | 1.5179% | 4,942 |
| Net charge-offs to loans | 0.0029% | 3,803 |
| Credit loss provision to net charge-offs | 5,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 781.5000% | 82 |
| Efficiency ratio | 55.7098% | 5,455 |
| Assets per employee ($millions) | 5.3744% | 1,863 |
| Cash dividends to net income (ytd only)* | 91.9030% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6432% | 1,772 |
| Loan loss allowance to noncurrent loans | 396.6087% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5447% | 3,796 |
| Noncurrent loans to loans | 0.4143% | 4,235 |
| Net loans and leases to total assets | 76.9650% | 1,228 |
| Net loans and leases to deposits | 89.5015% | 1,657 |
| Net loans and leases to core deposits | 101.1508% | 1,393 |
| Total domestic deposits to total assets | 85.9930% | 2,695 |
| Equity capital to assets | 10.4266% | 3,522 |
| Core capital (leverage) ratio | 10.0156% | 3,571 |
| Tier 1 risk-based capital ratio | 14.5791% | 3,591 |
| Total risk-based capital ratio | 15.8360% | 3,516 |
| Memoranda: | ||
| Average total assets | $366,626,330 | 1,809 |
| Average earning assets | $345,789,330 | 1,769 |
| Average equity | $31,227,330 | 2,272 |
| Average total loans | $274,556,000 | 1,604 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 2,968 |
| Cost of funding earning assets | 0.4185% | 3,094 |
| Net interest margin | 3.6470% | 2,826 |
| Noninterest income to average assets | 0.3307% | 4,547 |
| Noninterest expense to average assets | 2.0677% | 5,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.7156% | 571 |
| Return on assets (ROA) | 1.7156% | 600 |
| Pretax return on assets | 1.7156% | 1,018 |
| Return on Equity (ROE) | 22.5475% | 165 |
| Retained earnings to average equity (ytd only) | 15.2810% | 262 |
| Net charge-offs to loans | -0.0059% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6538% | 5,624 |
| Assets per employee ($millions) | 5.7528% | 1,587 |
| Cash dividends to net income (ytd only)* | 32.2278% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 2,121 |
| Loan loss allowance to noncurrent loans | 388.7011% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 3,830 |
| Noncurrent loans to loans | 0.4065% | 4,374 |
| Net loans and leases to total assets | 71.6665% | 1,865 |
| Net loans and leases to deposits | 79.1390% | 2,667 |
| Net loans and leases to core deposits | 86.5371% | 2,492 |
| Total domestic deposits to total assets | 90.5578% | 510 |
| Equity capital to assets | 7.6523% | 6,137 |
| Core capital (leverage) ratio | 7.6147% | 6,107 |
| Tier 1 risk-based capital ratio | 11.5202% | 5,549 |
| Total risk-based capital ratio | 12.7767% | 5,458 |
| Memoranda: | ||
| Average total assets | $372,585,500 | 1,792 |
| Average earning assets | $352,725,000 | 1,744 |
| Average equity | $28,349,000 | 2,481 |
| Average total loans | $273,053,000 | 1,603 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 3,113 |
| Cost of funding earning assets | 0.4330% | 3,356 |
| Net interest margin | 3.7186% | 2,935 |
| Noninterest income to average assets | 0.2532% | 5,320 |
| Noninterest expense to average assets | 2.0139% | 5,738 |
| Loan and lease loss provision to assets | 0.1865% | 1,378 |
| Net operating income to assets | 1.5747% | 747 |
| Return on assets (ROA) | 1.5778% | 777 |
| Pretax return on assets | 1.5778% | 1,300 |
| Return on Equity (ROE) | 21.3676% | 193 |
| Retained earnings to average equity (ytd only) | 4.4315% | 3,026 |
| Net charge-offs to loans | -0.0215% | 5,707 |
| Credit loss provision to net charge-offs | -1,205.3571% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3455% | 5,895 |
| Assets per employee ($millions) | 5.5376% | 1,737 |
| Cash dividends to net income (ytd only)* | 79.2608% | 926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 2,034 |
| Loan loss allowance to noncurrent loans | 385.2604% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5762% | 3,864 |
| Noncurrent loans to loans | 0.4202% | 4,380 |
| Net loans and leases to total assets | 72.5788% | 1,812 |
| Net loans and leases to deposits | 80.0980% | 2,698 |
| Net loans and leases to core deposits | 88.4880% | 2,449 |
| Total domestic deposits to total assets | 90.6124% | 491 |
| Equity capital to assets | 7.5634% | 6,222 |
| Core capital (leverage) ratio | 7.4097% | 6,234 |
| Tier 1 risk-based capital ratio | 10.5652% | 6,073 |
| Total risk-based capital ratio | 11.8204% | 6,018 |
| Memoranda: | ||
| Average total assets | $361,837,800 | 1,799 |
| Average earning assets | $342,712,600 | 1,748 |
| Average equity | $26,718,000 | 2,512 |
| Average total loans | $260,747,400 | 1,626 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,256 |
| Cost of funding earning assets | 0.4355% | 3,410 |
| Net interest margin | 3.6933% | 3,049 |
| Noninterest income to average assets | 0.2386% | 5,497 |
| Noninterest expense to average assets | 1.9361% | 5,889 |
| Loan and lease loss provision to assets | 0.2032% | 1,161 |
| Net operating income to assets | 1.5955% | 762 |
| Return on assets (ROA) | 1.5995% | 787 |
| Pretax return on assets | 1.5995% | 1,324 |
| Return on Equity (ROE) | 21.7965% | 197 |
| Retained earnings to average equity (ytd only) | 1.0823% | 5,451 |
| Net charge-offs to loans | -0.0031% | 5,225 |
| Credit loss provision to net charge-offs | -9,166.6667% | 6,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8398% | 5,999 |
| Assets per employee ($millions) | 5.4807% | 1,746 |
| Cash dividends to net income (ytd only)* | 95.0346% | 421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 2,448 |
| Loan loss allowance to noncurrent loans | 409.8826% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 4,178 |
| Noncurrent loans to loans | 0.3811% | 4,770 |
| Net loans and leases to total assets | 74.0932% | 1,510 |
| Net loans and leases to deposits | 81.8021% | 2,455 |
| Net loans and leases to core deposits | 93.9087% | 1,877 |
| Total domestic deposits to total assets | 90.5762% | 498 |
| Equity capital to assets | 7.4996% | 6,303 |
| Core capital (leverage) ratio | 7.4719% | 6,295 |
| Tier 1 risk-based capital ratio | 10.3469% | 6,253 |
| Total risk-based capital ratio | 11.6018% | 6,217 |
| Memoranda: | ||
| Average total assets | $360,926,500 | 1,816 |
| Average earning assets | $341,655,750 | 1,756 |
| Average equity | $26,486,750 | 2,531 |
| Average total loans | $258,527,250 | 1,646 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0785% | 3,434 |
| Cost of funding earning assets | 0.4390% | 3,450 |
| Net interest margin | 3.6394% | 3,192 |
| Noninterest income to average assets | 0.2731% | 5,245 |
| Noninterest expense to average assets | 1.9245% | 5,961 |
| Loan and lease loss provision to assets | 0.2345% | 966 |
| Net operating income to assets | 1.5537% | 786 |
| Return on assets (ROA) | 1.5598% | 810 |
| Pretax return on assets | 1.5598% | 1,363 |
| Return on Equity (ROE) | 21.4086% | 226 |
| Retained earnings to average equity (ytd only) | -5.8538% | 6,284 |
| Net charge-offs to loans | -0.0102% | 5,328 |
| Credit loss provision to net charge-offs | -3,269.2308% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8353% | 6,078 |
| Assets per employee ($millions) | 5.2722% | 1,897 |
| Cash dividends to net income (ytd only)* | 127.3435% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5531% | 2,657 |
| Loan loss allowance to noncurrent loans | 394.1917% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 4,156 |
| Noncurrent loans to loans | 0.3940% | 4,811 |
| Net loans and leases to total assets | 74.1761% | 1,419 |
| Net loans and leases to deposits | 81.6468% | 2,291 |
| Net loans and leases to core deposits | 92.3988% | 1,912 |
| Total domestic deposits to total assets | 90.8499% | 455 |
| Equity capital to assets | 7.3893% | 6,371 |
| Core capital (leverage) ratio | 7.2536% | 6,382 |
| Tier 1 risk-based capital ratio | 10.0787% | 6,374 |
| Total risk-based capital ratio | 11.3330% | 6,331 |
| Memoranda: | ||
| Average total assets | $362,486,670 | 1,808 |
| Average earning assets | $342,581,000 | 1,751 |
| Average equity | $26,410,000 | 2,531 |
| Average total loans | $255,322,000 | 1,660 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9587% | 3,863 |
| Cost of funding earning assets | 0.4435% | 3,498 |
| Net interest margin | 3.5151% | 3,624 |
| Noninterest income to average assets | 0.2456% | 5,397 |
| Noninterest expense to average assets | 1.9051% | 6,056 |
| Loan and lease loss provision to assets | 0.2705% | 768 |
| Net operating income to assets | 1.3880% | 1,010 |
| Return on assets (ROA) | 1.3880% | 1,053 |
| Pretax return on assets | 1.3880% | 1,795 |
| Return on Equity (ROE) | 19.1786% | 345 |
| Retained earnings to average equity (ytd only) | 19.1786% | 136 |
| Net charge-offs to loans | -0.0159% | 5,235 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4608% | 6,059 |
| Assets per employee ($millions) | 5.4927% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 2,935 |
| Loan loss allowance to noncurrent loans | 331.4043% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.6318% | 4,235 |
| Noncurrent loans to loans | 0.4673% | 4,758 |
| Net loans and leases to total assets | 67.2676% | 2,344 |
| Net loans and leases to deposits | 72.8543% | 3,228 |
| Net loans and leases to core deposits | 80.8670% | 2,867 |
| Total domestic deposits to total assets | 92.3317% | 192 |
| Equity capital to assets | 7.4566% | 6,326 |
| Core capital (leverage) ratio | 7.6492% | 6,286 |
| Tier 1 risk-based capital ratio | 11.1889% | 6,079 |
| Total risk-based capital ratio | 12.4431% | 6,022 |
| Memoranda: | ||
| Average total assets | $369,748,000 | 1,778 |
| Average earning assets | $349,006,500 | 1,725 |
| Average equity | $26,759,000 | 2,487 |
| Average total loans | $251,894,000 | 1,688 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 2,458 |
| Cost of funding earning assets | 0.5367% | 3,230 |
| Net interest margin | 3.8966% | 2,296 |
| Noninterest income to average assets | 0.3160% | 5,077 |
| Noninterest expense to average assets | 2.3661% | 5,177 |
| Loan and lease loss provision to assets | 0.2897% | 1,178 |
| Net operating income to assets | 1.3417% | 1,153 |
| Return on assets (ROA) | 1.3417% | 1,191 |
| Pretax return on assets | 1.3417% | 2,004 |
| Return on Equity (ROE) | 17.5739% | 447 |
| Retained earnings to average equity (ytd only) | 15.6869% | 153 |
| Net charge-offs to loans | 0.2291% | 2,629 |
| Credit loss provision to net charge-offs | 163.7168% | 1,392 |
| Earnings coverage of net charge-offs (x) | 9.2195% | 2,534 |
| Efficiency ratio | 59.1899% | 5,576 |
| Assets per employee ($millions) | 5.5446% | 1,610 |
| Cash dividends to net income (ytd only)* | 10.7376% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4401% | 3,462 |
| Loan loss allowance to noncurrent loans | 352.4733% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 4,202 |
| Noncurrent loans to loans | 0.4086% | 4,984 |
| Net loans and leases to total assets | 66.9496% | 2,531 |
| Net loans and leases to deposits | 72.1450% | 3,503 |
| Net loans and leases to core deposits | 75.6265% | 3,655 |
| Total domestic deposits to total assets | 92.7987% | 155 |
| Equity capital to assets | 7.0196% | 6,453 |
| Core capital (leverage) ratio | 7.3087% | 6,441 |
| Tier 1 risk-based capital ratio | 10.8469% | 6,245 |
| Total risk-based capital ratio | 12.1000% | 6,194 |
| Memoranda: | ||
| Average total assets | $319,307,200 | 2,012 |
| Average earning assets | $301,670,800 | 1,965 |
| Average equity | $24,377,000 | 2,693 |
| Average total loans | $246,599,200 | 1,680 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 2,061 |
| Cost of funding earning assets | 0.5575% | 3,188 |
| Net interest margin | 3.9866% | 1,991 |
| Noninterest income to average assets | 0.3126% | 5,204 |
| Noninterest expense to average assets | 2.3744% | 5,101 |
| Loan and lease loss provision to assets | 0.3265% | 1,014 |
| Net operating income to assets | 1.3818% | 1,144 |
| Return on assets (ROA) | 1.3818% | 1,190 |
| Pretax return on assets | 1.3818% | 1,992 |
| Return on Equity (ROE) | 17.6682% | 471 |
| Retained earnings to average equity (ytd only) | 17.6682% | 115 |
| Net charge-offs to loans | 0.2371% | 2,382 |
| Credit loss provision to net charge-offs | 172.0183% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,541 |
| Efficiency ratio | 58.1574% | 5,664 |
| Assets per employee ($millions) | 4.9185% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 3,843 |
| Loan loss allowance to noncurrent loans | 230.8880% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 4,040 |
| Noncurrent loans to loans | 0.6115% | 4,672 |
| Net loans and leases to total assets | 76.0239% | 1,001 |
| Net loans and leases to deposits | 82.6485% | 2,050 |
| Net loans and leases to core deposits | 96.0732% | 1,388 |
| Total domestic deposits to total assets | 91.9846% | 249 |
| Equity capital to assets | 7.7511% | 6,284 |
| Core capital (leverage) ratio | 7.6381% | 6,389 |
| Tier 1 risk-based capital ratio | 10.5515% | 6,438 |
| Total risk-based capital ratio | 11.8043% | 6,410 |
| Memoranda: | ||
| Average total assets | $306,262,250 | 2,107 |
| Average earning assets | $289,626,250 | 2,053 |
| Average equity | $23,952,000 | 2,763 |
| Average total loans | $245,163,250 | 1,692 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5695% | 1,954 |
| Cost of funding earning assets | 0.5512% | 3,398 |
| Net interest margin | 4.0183% | 1,796 |
| Noninterest income to average assets | 0.3256% | 5,096 |
| Noninterest expense to average assets | 2.4743% | 4,816 |
| Loan and lease loss provision to assets | 0.4020% | 772 |
| Net operating income to assets | 1.2543% | 1,446 |
| Return on assets (ROA) | 1.2543% | 1,542 |
| Pretax return on assets | 1.2543% | 2,469 |
| Return on Equity (ROE) | 15.9852% | 672 |
| Retained earnings to average equity (ytd only) | 15.9852% | 192 |
| Net charge-offs to loans | 0.2601% | 2,166 |
| Credit loss provision to net charge-offs | 190.4762% | 1,248 |
| Earnings coverage of net charge-offs (x) | 7.8476% | 2,494 |
| Efficiency ratio | 59.9027% | 5,499 |
| Assets per employee ($millions) | 4.7605% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4437% | 3,834 |
| Loan loss allowance to noncurrent loans | 278.2643% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 4,448 |
| Noncurrent loans to loans | 0.5188% | 4,970 |
| Net loans and leases to total assets | 75.0531% | 1,098 |
| Net loans and leases to deposits | 81.2816% | 2,146 |
| Net loans and leases to core deposits | 95.8146% | 1,374 |
| Total domestic deposits to total assets | 92.3371% | 205 |
| Equity capital to assets | 7.4238% | 6,469 |
| Core capital (leverage) ratio | 7.7147% | 6,361 |
| Tier 1 risk-based capital ratio | 10.4762% | 6,513 |
| Total risk-based capital ratio | 11.7298% | 6,486 |
| Memoranda: | ||
| Average total assets | $298,503,000 | 2,173 |
| Average earning assets | $282,653,670 | 2,111 |
| Average equity | $23,421,670 | 2,828 |
| Average total loans | $242,178,670 | 1,707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6891% | 1,567 |
| Cost of funding earning assets | 0.5365% | 3,712 |
| Net interest margin | 4.1526% | 1,318 |
| Noninterest income to average assets | 0.3554% | 4,829 |
| Noninterest expense to average assets | 2.6933% | 4,095 |
| Loan and lease loss provision to assets | 0.3498% | 934 |
| Net operating income to assets | 1.2326% | 1,427 |
| Return on assets (ROA) | 1.2326% | 1,538 |
| Pretax return on assets | 1.2326% | 2,459 |
| Return on Equity (ROE) | 15.2445% | 707 |
| Retained earnings to average equity (ytd only) | 15.2445% | 330 |
| Net charge-offs to loans | 0.5433% | 1,113 |
| Credit loss provision to net charge-offs | 76.6871% | 2,204 |
| Earnings coverage of net charge-offs (x) | 3.4693% | 2,760 |
| Efficiency ratio | 62.9908% | 5,157 |
| Assets per employee ($millions) | 4.3058% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,615 |
| Loan loss allowance to noncurrent loans | 459.4828% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 4,866 |
| Noncurrent loans to loans | 0.2864% | 5,691 |
| Net loans and leases to total assets | 78.4588% | 566 |
| Net loans and leases to deposits | 85.6434% | 1,395 |
| Net loans and leases to core deposits | 103.6735% | 735 |
| Total domestic deposits to total assets | 91.6111% | 325 |
| Equity capital to assets | 7.6991% | 6,525 |
| Core capital (leverage) ratio | 8.2418% | 5,891 |
| Tier 1 risk-based capital ratio | 10.3202% | 6,630 |
| Total risk-based capital ratio | 11.5723% | 6,617 |
| Memoranda: | ||
| Average total assets | $285,897,000 | 2,277 |
| Average earning assets | $269,900,000 | 2,215 |
| Average equity | $23,116,500 | 2,906 |
| Average total loans | $240,009,500 | 1,725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0790% | 1,353 |
| Cost of funding earning assets | 0.5796% | 4,537 |
| Net interest margin | 4.4993% | 953 |
| Noninterest income to average assets | 0.4622% | 4,156 |
| Noninterest expense to average assets | 2.5881% | 4,779 |
| Loan and lease loss provision to assets | 0.5825% | 954 |
| Net operating income to assets | 1.5070% | 902 |
| Return on assets (ROA) | 1.5107% | 992 |
| Pretax return on assets | 1.5107% | 1,645 |
| Return on Equity (ROE) | 17.8834% | 454 |
| Retained earnings to average equity (ytd only) | 6.0723% | 2,035 |
| Net charge-offs to loans | 0.1878% | 3,874 |
| Credit loss provision to net charge-offs | 372.5962% | 659 |
| Earnings coverage of net charge-offs (x) | 13.3654% | 1,832 |
| Efficiency ratio | 55.3306% | 6,134 |
| Assets per employee ($millions) | 3.4113% | 5,187 |
| Cash dividends to net income (ytd only)* | 66.0448% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3817% | 4,257 |
| Loan loss allowance to noncurrent loans | 393.0372% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.7915% | 4,488 |
| Noncurrent loans to loans | 0.3515% | 5,606 |
| Net loans and leases to total assets | 87.8259% | 85 |
| Net loans and leases to deposits | 98.8549% | 465 |
| Net loans and leases to core deposits | 112.8736% | 440 |
| Total domestic deposits to total assets | 88.8433% | 1,677 |
| Equity capital to assets | 8.5297% | 6,026 |
| Core capital (leverage) ratio | 8.5142% | 5,585 |
| Tier 1 risk-based capital ratio | 10.3162% | 6,611 |
| Total risk-based capital ratio | 11.5695% | 6,575 |
| Memoranda: | ||
| Average total assets | $266,099,800 | 2,387 |
| Average earning assets | $249,303,200 | 2,336 |
| Average equity | $22,479,000 | 2,917 |
| Average total loans | $221,571,000 | 1,825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0575% | 1,540 |
| Cost of funding earning assets | 0.5903% | 4,743 |
| Net interest margin | 4.4673% | 1,052 |
| Noninterest income to average assets | 0.4539% | 4,262 |
| Noninterest expense to average assets | 2.5598% | 4,880 |
| Loan and lease loss provision to assets | 0.5762% | 996 |
| Net operating income to assets | 1.5006% | 1,019 |
| Return on assets (ROA) | 1.5056% | 1,120 |
| Pretax return on assets | 1.5056% | 1,862 |
| Return on Equity (ROE) | 17.8667% | 517 |
| Retained earnings to average equity (ytd only) | 13.6750% | 327 |
| Net charge-offs to loans | 0.2413% | 3,276 |
| Credit loss provision to net charge-offs | 291.8782% | 930 |
| Earnings coverage of net charge-offs (x) | 10.5203% | 2,178 |
| Efficiency ratio | 55.2086% | 6,137 |
| Assets per employee ($millions) | 3.3789% | 5,262 |
| Cash dividends to net income (ytd only)* | 23.4610% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2965% | 4,831 |
| Loan loss allowance to noncurrent loans | 298.5567% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 4,413 |
| Noncurrent loans to loans | 0.4342% | 5,577 |
| Net loans and leases to total assets | 82.5961% | 302 |
| Net loans and leases to deposits | 92.8454% | 890 |
| Net loans and leases to core deposits | 108.3041% | 638 |
| Total domestic deposits to total assets | 88.9610% | 1,455 |
| Equity capital to assets | 8.8628% | 5,965 |
| Core capital (leverage) ratio | 8.8130% | 5,327 |
| Tier 1 risk-based capital ratio | 11.3797% | 6,311 |
| Total risk-based capital ratio | 12.6317% | 6,265 |
| Memoranda: | ||
| Average total assets | $266,104,250 | 2,408 |
| Average earning assets | $249,152,750 | 2,356 |
| Average equity | $22,424,750 | 2,950 |
| Average total loans | $217,723,000 | 1,872 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 1,691 |
| Cost of funding earning assets | 0.6039% | 4,872 |
| Net interest margin | 4.4357% | 1,117 |
| Noninterest income to average assets | 0.4131% | 4,558 |
| Noninterest expense to average assets | 2.6047% | 4,766 |
| Loan and lease loss provision to assets | 0.5530% | 1,110 |
| Net operating income to assets | 1.4054% | 1,184 |
| Return on assets (ROA) | 1.4129% | 1,298 |
| Pretax return on assets | 1.4129% | 2,154 |
| Return on Equity (ROE) | 17.0621% | 628 |
| Retained earnings to average equity (ytd only) | 10.6570% | 816 |
| Net charge-offs to loans | 0.1362% | 3,843 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 17.7075% | 1,515 |
| Efficiency ratio | 57.0816% | 5,985 |
| Assets per employee ($millions) | 3.3239% | 5,393 |
| Cash dividends to net income (ytd only)* | 37.5399% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 5,238 |
| Loan loss allowance to noncurrent loans | 229.0512% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 1.0853% | 4,210 |
| Noncurrent loans to loans | 0.5350% | 5,451 |
| Net loans and leases to total assets | 82.6907% | 290 |
| Net loans and leases to deposits | 92.4958% | 887 |
| Net loans and leases to core deposits | 108.1575% | 656 |
| Total domestic deposits to total assets | 89.3994% | 1,275 |
| Equity capital to assets | 8.4694% | 6,240 |
| Core capital (leverage) ratio | 8.5325% | 5,608 |
| Tier 1 risk-based capital ratio | 10.6276% | 6,650 |
| Total risk-based capital ratio | 11.8782% | 6,639 |
| Memoranda: | ||
| Average total assets | $265,827,330 | 2,410 |
| Average earning assets | $248,709,670 | 2,365 |
| Average equity | $22,013,670 | 2,984 |
| Average total loans | $215,839,330 | 1,892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0148% | 1,837 |
| Cost of funding earning assets | 0.6264% | 4,926 |
| Net interest margin | 4.3883% | 1,254 |
| Noninterest income to average assets | 0.3943% | 4,715 |
| Noninterest expense to average assets | 2.4621% | 5,281 |
| Loan and lease loss provision to assets | 0.7525% | 676 |
| Net operating income to assets | 1.2913% | 1,476 |
| Return on assets (ROA) | 1.3063% | 1,612 |
| Pretax return on assets | 1.3063% | 2,515 |
| Return on Equity (ROE) | 15.9559% | 811 |
| Retained earnings to average equity (ytd only) | 15.9559% | 370 |
| Net charge-offs to loans | 0.1374% | 3,279 |
| Credit loss provision to net charge-offs | 684.9315% | 511 |
| Earnings coverage of net charge-offs (x) | 18.6027% | 1,257 |
| Efficiency ratio | 54.6426% | 6,273 |
| Assets per employee ($millions) | 3.4351% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,567 |
| Loan loss allowance to noncurrent loans | 271.0665% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0513% | 4,389 |
| Noncurrent loans to loans | 0.4370% | 5,795 |
| Net loans and leases to total assets | 78.9041% | 496 |
| Net loans and leases to deposits | 86.1667% | 1,401 |
| Net loans and leases to core deposits | 93.8766% | 1,477 |
| Total domestic deposits to total assets | 91.5714% | 357 |
| Equity capital to assets | 8.1761% | 6,386 |
| Core capital (leverage) ratio | 8.3012% | 5,870 |
| Tier 1 risk-based capital ratio | 10.7229% | 6,656 |
| Total risk-based capital ratio | 11.9729% | 6,644 |
| Memoranda: | ||
| Average total assets | $265,786,500 | 2,422 |
| Average earning assets | $249,024,000 | 2,373 |
| Average equity | $21,760,000 | 3,004 |
| Average total loans | $212,454,000 | 1,932 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 2,030 |
| Cost of funding earning assets | 0.8074% | 4,815 |
| Net interest margin | 4.3990% | 1,401 |
| Noninterest income to average assets | 0.4092% | 4,546 |
| Noninterest expense to average assets | 2.6066% | 5,070 |
| Loan and lease loss provision to assets | 0.5477% | 1,904 |
| Net operating income to assets | 1.3411% | 1,157 |
| Return on assets (ROA) | 1.4072% | 1,094 |
| Pretax return on assets | 1.4072% | 1,764 |
| Return on Equity (ROE) | 17.9280% | 389 |
| Retained earnings to average equity (ytd only) | 11.8972% | 313 |
| Net charge-offs to loans | 0.3398% | 3,701 |
| Credit loss provision to net charge-offs | 211.4804% | 1,168 |
| Earnings coverage of net charge-offs (x) | 7.2931% | 2,357 |
| Efficiency ratio | 57.9845% | 6,062 |
| Assets per employee ($millions) | 3.2936% | 5,523 |
| Cash dividends to net income (ytd only)* | 33.6391% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,081 |
| Loan loss allowance to noncurrent loans | 810.6061% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 4,787 |
| Noncurrent loans to loans | 0.1268% | 6,487 |
| Net loans and leases to total assets | 79.1993% | 577 |
| Net loans and leases to deposits | 86.5232% | 1,606 |
| Net loans and leases to core deposits | 95.0202% | 1,585 |
| Total domestic deposits to total assets | 91.5353% | 325 |
| Equity capital to assets | 8.1984% | 6,437 |
| Core capital (leverage) ratio | 8.0041% | 6,260 |
| Tier 1 risk-based capital ratio | 10.6156% | 6,637 |
| Total risk-based capital ratio | 11.6958% | 6,692 |
| Memoranda: | ||
| Average total assets | $255,618,800 | 2,462 |
| Average earning assets | $237,440,800 | 2,429 |
| Average equity | $20,063,600 | 3,134 |
| Average total loans | $194,836,000 | 2,084 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1755% | 2,294 |
| Cost of funding earning assets | 0.8413% | 4,841 |
| Net interest margin | 4.3341% | 1,604 |
| Noninterest income to average assets | 0.3872% | 4,758 |
| Noninterest expense to average assets | 2.5139% | 5,416 |
| Loan and lease loss provision to assets | 0.5344% | 1,845 |
| Net operating income to assets | 1.3607% | 1,241 |
| Return on assets (ROA) | 1.4492% | 1,126 |
| Pretax return on assets | 1.4492% | 1,790 |
| Return on Equity (ROE) | 18.6763% | 406 |
| Retained earnings to average equity (ytd only) | 12.5318% | 427 |
| Net charge-offs to loans | 0.4331% | 2,986 |
| Credit loss provision to net charge-offs | 163.9871% | 1,860 |
| Earnings coverage of net charge-offs (x) | 5.8151% | 2,688 |
| Efficiency ratio | 57.0172% | 6,142 |
| Assets per employee ($millions) | 3.3128% | 5,459 |
| Cash dividends to net income (ytd only)* | 32.8994% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,641 |
| Loan loss allowance to noncurrent loans | 1,216.2162% | 308 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 4,756 |
| Noncurrent loans to loans | 0.0729% | 6,746 |
| Net loans and leases to total assets | 76.9151% | 849 |
| Net loans and leases to deposits | 83.8248% | 2,028 |
| Net loans and leases to core deposits | 92.6240% | 1,922 |
| Total domestic deposits to total assets | 91.7570% | 249 |
| Equity capital to assets | 7.9572% | 6,719 |
| Core capital (leverage) ratio | 7.7343% | 6,608 |
| Tier 1 risk-based capital ratio | 10.3521% | 6,838 |
| Total risk-based capital ratio | 11.2610% | 6,935 |
| Memoranda: | ||
| Average total assets | $254,474,000 | 2,487 |
| Average earning assets | $236,134,250 | 2,447 |
| Average equity | $19,746,500 | 3,185 |
| Average total loans | $191,491,250 | 2,136 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 2,452 |
| Cost of funding earning assets | 0.8704% | 4,899 |
| Net interest margin | 4.2810% | 1,728 |
| Noninterest income to average assets | 0.3602% | 4,999 |
| Noninterest expense to average assets | 2.5668% | 5,301 |
| Loan and lease loss provision to assets | 0.4761% | 2,080 |
| Net operating income to assets | 1.2822% | 1,363 |
| Return on assets (ROA) | 1.4187% | 1,108 |
| Pretax return on assets | 1.4187% | 1,754 |
| Return on Equity (ROE) | 18.4453% | 426 |
| Retained earnings to average equity (ytd only) | 11.6367% | 570 |
| Net charge-offs to loans | 0.0544% | 5,104 |
| Credit loss provision to net charge-offs | 1,176.4706% | 291 |
| Earnings coverage of net charge-offs (x) | 43.4510% | 703 |
| Efficiency ratio | 59.3469% | 5,973 |
| Assets per employee ($millions) | 3.6420% | 4,586 |
| Cash dividends to net income (ytd only)* | 36.9128% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,364 |
| Loan loss allowance to noncurrent loans | 158.6179% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 4,243 |
| Noncurrent loans to loans | 0.6261% | 5,671 |
| Net loans and leases to total assets | 74.1771% | 1,378 |
| Net loans and leases to deposits | 80.6408% | 2,678 |
| Net loans and leases to core deposits | 89.2767% | 2,464 |
| Total domestic deposits to total assets | 91.9846% | 236 |
| Equity capital to assets | 7.6153% | 6,896 |
| Core capital (leverage) ratio | 7.4142% | 6,799 |
| Tier 1 risk-based capital ratio | 9.9241% | 7,002 |
| Total risk-based capital ratio | 10.9033% | 7,080 |
| Memoranda: | ||
| Average total assets | $252,061,330 | 2,524 |
| Average earning assets | $233,451,000 | 2,495 |
| Average equity | $19,387,000 | 3,217 |
| Average total loans | $187,623,000 | 2,198 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 2,529 |
| Cost of funding earning assets | 0.8852% | 5,028 |
| Net interest margin | 4.2419% | 1,779 |
| Noninterest income to average assets | 0.3563% | 5,051 |
| Noninterest expense to average assets | 2.4488% | 5,744 |
| Loan and lease loss provision to assets | 0.6883% | 1,229 |
| Net operating income to assets | 1.1774% | 1,578 |
| Return on assets (ROA) | 1.1774% | 1,630 |
| Pretax return on assets | 1.1774% | 2,460 |
| Return on Equity (ROE) | 15.2283% | 789 |
| Retained earnings to average equity (ytd only) | 15.2283% | 371 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7568% | 6,411 |
| Assets per employee ($millions) | 5.1739% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,453 |
| Loan loss allowance to noncurrent loans | 168.8540% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 4,455 |
| Noncurrent loans to loans | 0.5830% | 5,861 |
| Net loans and leases to total assets | 73.9894% | 1,345 |
| Net loans and leases to deposits | 80.6191% | 2,592 |
| Net loans and leases to core deposits | 89.3336% | 2,437 |
| Total domestic deposits to total assets | 91.7765% | 343 |
| Equity capital to assets | 7.7206% | 6,734 |
| Core capital (leverage) ratio | 7.2900% | 6,865 |
| Tier 1 risk-based capital ratio | 10.4633% | 6,826 |
| Total risk-based capital ratio | 11.4501% | 6,928 |
| Memoranda: | ||
| Average total assets | $246,981,500 | 2,592 |
| Average earning assets | $230,463,000 | 2,543 |
| Average equity | $19,096,000 | 3,243 |
| Average total loans | $183,205,000 | 2,272 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 2,117 |
| Cost of funding earning assets | 1.2767% | 4,039 |
| Net interest margin | 4.2656% | 1,936 |
| Noninterest income to average assets | 0.3658% | 5,181 |
| Noninterest expense to average assets | 2.2971% | 6,366 |
| Loan and lease loss provision to assets | 0.7754% | 2,119 |
| Net operating income to assets | 1.2831% | 1,217 |
| Return on assets (ROA) | 1.2831% | 1,274 |
| Pretax return on assets | 1.2831% | 1,978 |
| Return on Equity (ROE) | 17.4080% | 441 |
| Retained earnings to average equity (ytd only) | 13.3546% | 191 |
| Net charge-offs to loans | 1.1379% | 1,963 |
| Credit loss provision to net charge-offs | 88.9121% | 5,171 |
| Earnings coverage of net charge-offs (x) | 2.3604% | 3,967 |
| Efficiency ratio | 52.7385% | 6,925 |
| Assets per employee ($millions) | 5.4581% | 1,628 |
| Cash dividends to net income (ytd only)* | 23.2847% | 3,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7753% | 7,023 |
| Loan loss allowance to noncurrent loans | 135.8527% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 4,480 |
| Noncurrent loans to loans | 0.5707% | 5,913 |
| Net loans and leases to total assets | 73.0532% | 1,859 |
| Net loans and leases to deposits | 79.5835% | 3,245 |
| Net loans and leases to core deposits | 88.6503% | 2,955 |
| Total domestic deposits to total assets | 91.7944% | 326 |
| Equity capital to assets | 7.7430% | 6,713 |
| Core capital (leverage) ratio | 7.0187% | 7,017 |
| Tier 1 risk-based capital ratio | 10.3796% | 6,776 |
| Total risk-based capital ratio | 11.1600% | 7,008 |
| Memoranda: | ||
| Average total assets | $219,229,400 | 2,880 |
| Average earning assets | $205,060,800 | 2,807 |
| Average equity | $16,159,200 | 3,730 |
| Average total loans | $168,023,000 | 2,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 2,057 |
| Cost of funding earning assets | 1.3477% | 3,913 |
| Net interest margin | 4.2526% | 2,021 |
| Noninterest income to average assets | 0.4095% | 4,884 |
| Noninterest expense to average assets | 2.1978% | 6,608 |
| Loan and lease loss provision to assets | 1.0660% | 1,379 |
| Net operating income to assets | 1.1324% | 1,789 |
| Return on assets (ROA) | 1.1324% | 1,903 |
| Pretax return on assets | 1.1324% | 2,726 |
| Return on Equity (ROE) | 15.5909% | 764 |
| Retained earnings to average equity (ytd only) | 11.2745% | 563 |
| Net charge-offs to loans | 0.2880% | 4,218 |
| Credit loss provision to net charge-offs | 477.5281% | 622 |
| Earnings coverage of net charge-offs (x) | 9.8484% | 1,954 |
| Efficiency ratio | 49.9929% | 7,152 |
| Assets per employee ($millions) | 5.0872% | 2,072 |
| Cash dividends to net income (ytd only)* | 27.6855% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,172 |
| Loan loss allowance to noncurrent loans | 131.1170% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 1.8709% | 3,645 |
| Noncurrent loans to loans | 1.2911% | 4,701 |
| Net loans and leases to total assets | 75.0380% | 1,580 |
| Net loans and leases to deposits | 82.0203% | 3,102 |
| Net loans and leases to core deposits | 88.8891% | 3,252 |
| Total domestic deposits to total assets | 91.4871% | 311 |
| Equity capital to assets | 7.0744% | 7,318 |
| Core capital (leverage) ratio | 6.3138% | 7,382 |
| Tier 1 risk-based capital ratio | 9.1889% | 7,330 |
| Total risk-based capital ratio | 10.4445% | 7,341 |
| Memoranda: | ||
| Average total assets | $212,633,250 | 3,004 |
| Average earning assets | $199,339,750 | 2,931 |
| Average equity | $15,444,500 | 3,916 |
| Average total loans | $164,821,000 | 2,591 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 1,842 |
| Cost of funding earning assets | 1.4654% | 3,457 |
| Net interest margin | 4.2137% | 2,116 |
| Noninterest income to average assets | 0.3735% | 5,144 |
| Noninterest expense to average assets | 2.1882% | 6,673 |
| Loan and lease loss provision to assets | 0.5791% | 2,455 |
| Net operating income to assets | 1.5531% | 809 |
| Return on assets (ROA) | 1.5531% | 865 |
| Pretax return on assets | 1.5531% | 1,424 |
| Return on Equity (ROE) | 21.1790% | 249 |
| Retained earnings to average equity (ytd only) | 14.7950% | 256 |
| Net charge-offs to loans | 0.1102% | 5,063 |
| Credit loss provision to net charge-offs | 674.1573% | 552 |
| Earnings coverage of net charge-offs (x) | 24.8202% | 1,055 |
| Efficiency ratio | 50.6479% | 7,181 |
| Assets per employee ($millions) | 4.8142% | 2,426 |
| Cash dividends to net income (ytd only)* | 30.1429% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 5,082 |
| Loan loss allowance to noncurrent loans | 65.7284% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 2.1490% | 3,318 |
| Noncurrent loans to loans | 1.9328% | 3,826 |
| Net loans and leases to total assets | 77.9641% | 1,119 |
| Net loans and leases to deposits | 85.6118% | 2,571 |
| Net loans and leases to core deposits | 92.0141% | 2,988 |
| Total domestic deposits to total assets | 91.0671% | 457 |
| Equity capital to assets | 7.4274% | 7,160 |
| Core capital (leverage) ratio | 6.4878% | 7,387 |
| Tier 1 risk-based capital ratio | 9.5479% | 7,240 |
| Total risk-based capital ratio | 10.7985% | 7,244 |
| Memoranda: | ||
| Average total assets | $207,203,000 | 3,074 |
| Average earning assets | $194,080,330 | 3,017 |
| Average equity | $15,194,330 | 3,955 |
| Average total loans | $161,515,330 | 2,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6792% | 1,856 |
| Cost of funding earning assets | 1.6541% | 2,625 |
| Net interest margin | 4.0251% | 2,769 |
| Noninterest income to average assets | 0.2909% | 5,820 |
| Noninterest expense to average assets | 2.1065% | 6,922 |
| Loan and lease loss provision to assets | 0.5857% | 2,160 |
| Net operating income to assets | 1.3470% | 1,193 |
| Return on assets (ROA) | 1.3470% | 1,264 |
| Pretax return on assets | 1.3470% | 1,915 |
| Return on Equity (ROE) | 18.4925% | 480 |
| Retained earnings to average equity (ytd only) | 18.4925% | 227 |
| Net charge-offs to loans | 0.1815% | 3,833 |
| Credit loss provision to net charge-offs | 416.6667% | 990 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,475 |
| Efficiency ratio | 52.1508% | 7,136 |
| Assets per employee ($millions) | 4.9275% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 5,756 |
| Loan loss allowance to noncurrent loans | 189.8969% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 1.1263% | 4,904 |
| Noncurrent loans to loans | 0.6073% | 6,091 |
| Net loans and leases to total assets | 76.2928% | 1,482 |
| Net loans and leases to deposits | 96.5015% | 1,044 |
| Net loans and leases to core deposits | 105.4744% | 1,620 |
| Total domestic deposits to total assets | 79.0586% | 6,065 |
| Equity capital to assets | 7.3838% | 7,155 |
| Core capital (leverage) ratio | 6.1427% | 7,558 |
| Tier 1 risk-based capital ratio | 9.6483% | 7,228 |
| Total risk-based capital ratio | 10.8193% | 7,262 |
| Memoranda: | ||
| Average total assets | $204,893,000 | 3,156 |
| Average earning assets | $190,800,500 | 3,110 |
| Average equity | $14,925,000 | 4,035 |
| Average total loans | $158,637,500 | 2,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9976% | 1,881 |
| Cost of funding earning assets | 1.6260% | 4,909 |
| Net interest margin | 4.3716% | 1,510 |
| Noninterest income to average assets | 0.4208% | 5,047 |
| Noninterest expense to average assets | 2.6530% | 5,585 |
| Loan and lease loss provision to assets | 0.5817% | 3,470 |
| Net operating income to assets | 1.2241% | 1,188 |
| Return on assets (ROA) | 1.2241% | 1,244 |
| Pretax return on assets | 1.2241% | 1,894 |
| Return on Equity (ROE) | 14.8881% | 685 |
| Retained earnings to average equity (ytd only) | 9.1677% | 473 |
| Net charge-offs to loans | 0.4861% | 3,828 |
| Credit loss provision to net charge-offs | 148.4992% | 3,146 |
| Earnings coverage of net charge-offs (x) | 4.6098% | 2,885 |
| Efficiency ratio | 59.5003% | 6,557 |
| Assets per employee ($millions) | 4.9471% | 2,284 |
| Cash dividends to net income (ytd only)* | 38.4226% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 6,239 |
| Loan loss allowance to noncurrent loans | 134.8080% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 4,344 |
| Noncurrent loans to loans | 0.7604% | 5,747 |
| Net loans and leases to total assets | 76.8750% | 1,612 |
| Net loans and leases to deposits | 97.2720% | 1,180 |
| Net loans and leases to core deposits | 115.0218% | 2,413 |
| Total domestic deposits to total assets | 79.0309% | 5,970 |
| Equity capital to assets | 7.1828% | 7,271 |
| Core capital (leverage) ratio | 6.7898% | 7,372 |
| Tier 1 risk-based capital ratio | 9.3396% | 7,307 |
| Total risk-based capital ratio | 10.3808% | 7,428 |
| Memoranda: | ||
| Average total assets | $161,591,800 | 3,738 |
| Average earning assets | $149,259,800 | 3,726 |
| Average equity | $13,285,800 | 4,435 |
| Average total loans | $130,218,000 | 3,265 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1694% | 1,443 |
| Cost of funding earning assets | 1.7370% | 4,715 |
| Net interest margin | 4.4324% | 1,361 |
| Noninterest income to average assets | 0.4750% | 4,710 |
| Noninterest expense to average assets | 2.6608% | 5,490 |
| Loan and lease loss provision to assets | 0.5641% | 3,137 |
| Net operating income to assets | 1.3387% | 1,143 |
| Return on assets (ROA) | 1.3387% | 1,205 |
| Pretax return on assets | 1.3387% | 1,852 |
| Return on Equity (ROE) | 15.6211% | 702 |
| Retained earnings to average equity (ytd only) | 15.6211% | 142 |
| Net charge-offs to loans | 0.7813% | 2,413 |
| Credit loss provision to net charge-offs | 88.5201% | 5,522 |
| Earnings coverage of net charge-offs (x) | 2.9862% | 3,741 |
| Efficiency ratio | 58.3044% | 6,677 |
| Assets per employee ($millions) | 4.7057% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,757 |
| Loan loss allowance to noncurrent loans | 38.5755% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 2.4367% | 2,825 |
| Noncurrent loans to loans | 2.3327% | 3,223 |
| Net loans and leases to total assets | 79.5722% | 1,267 |
| Net loans and leases to deposits | 89.1776% | 2,748 |
| Net loans and leases to core deposits | 106.9383% | 3,597 |
| Total domestic deposits to total assets | 89.2288% | 1,095 |
| Equity capital to assets | 8.8728% | 5,672 |
| Core capital (leverage) ratio | 9.0178% | 4,624 |
| Tier 1 risk-based capital ratio | 11.4453% | 5,483 |
| Total risk-based capital ratio | 12.3926% | 5,764 |
| Memoranda: | ||
| Average total assets | $151,281,750 | 3,960 |
| Average earning assets | $139,545,000 | 3,937 |
| Average equity | $12,965,000 | 4,546 |
| Average total loans | $123,387,000 | 3,436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3095% | 1,185 |
| Cost of funding earning assets | 1.8238% | 4,644 |
| Net interest margin | 4.4857% | 1,200 |
| Noninterest income to average assets | 0.4709% | 4,701 |
| Noninterest expense to average assets | 2.6866% | 5,435 |
| Loan and lease loss provision to assets | 0.8813% | 1,914 |
| Net operating income to assets | 1.0452% | 1,956 |
| Return on assets (ROA) | 1.0452% | 2,030 |
| Pretax return on assets | 1.0452% | 2,828 |
| Return on Equity (ROE) | 12.3653% | 1,317 |
| Retained earnings to average equity (ytd only) | 12.3653% | 391 |
| Net charge-offs to loans | 0.6444% | 2,423 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 3.6432% | 3,359 |
| Efficiency ratio | 58.2388% | 6,830 |
| Assets per employee ($millions) | 4.2252% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 4,564 |
| Loan loss allowance to noncurrent loans | 45.0432% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.9092% | 2,195 |
| Noncurrent loans to loans | 2.7896% | 2,583 |
| Net loans and leases to total assets | 80.7516% | 1,178 |
| Net loans and leases to deposits | 90.9413% | 2,667 |
| Net loans and leases to core deposits | 114.4534% | 2,860 |
| Total domestic deposits to total assets | 88.7953% | 1,375 |
| Equity capital to assets | 9.1581% | 5,082 |
| Core capital (leverage) ratio | 8.7251% | 5,051 |
| Tier 1 risk-based capital ratio | 11.9489% | 4,961 |
| Total risk-based capital ratio | 13.2002% | 4,879 |
| Memoranda: | ||
| Average total assets | $145,240,330 | 4,079 |
| Average earning assets | $134,115,000 | 4,067 |
| Average equity | $12,276,330 | 4,745 |
| Average total loans | $119,174,670 | 3,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3749% | 1,120 |
| Cost of funding earning assets | 1.8587% | 4,832 |
| Net interest margin | 4.5162% | 1,096 |
| Noninterest income to average assets | 0.5754% | 3,722 |
| Noninterest expense to average assets | 2.7079% | 4,963 |
| Loan and lease loss provision to assets | 0.4513% | 2,666 |
| Net operating income to assets | 1.5627% | 839 |
| Return on assets (ROA) | 1.5627% | 916 |
| Pretax return on assets | 1.5627% | 1,502 |
| Return on Equity (ROE) | 19.3546% | 473 |
| Retained earnings to average equity (ytd only) | 19.3546% | 183 |
| Net charge-offs to loans | 0.2951% | 2,929 |
| Credit loss provision to net charge-offs | 186.0465% | 2,354 |
| Earnings coverage of net charge-offs (x) | 8.3023% | 2,214 |
| Efficiency ratio | 57.3477% | 6,776 |
| Assets per employee ($millions) | 4.0220% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 5,043 |
| Loan loss allowance to noncurrent loans | 50.2913% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 2.7391% | 2,075 |
| Noncurrent loans to loans | 2.3086% | 2,846 |
| Net loans and leases to total assets | 81.1966% | 1,160 |
| Net loans and leases to deposits | 91.9548% | 2,612 |
| Net loans and leases to core deposits | 116.7776% | 2,707 |
| Total domestic deposits to total assets | 88.3005% | 1,577 |
| Equity capital to assets | 8.1344% | 6,620 |
| Core capital (leverage) ratio | 8.3408% | 5,831 |
| Tier 1 risk-based capital ratio | 10.5264% | 6,371 |
| Total risk-based capital ratio | 11.7561% | 6,299 |
| Memoranda: | ||
| Average total assets | $141,807,500 | 4,155 |
| Average earning assets | $130,198,500 | 4,151 |
| Average equity | $11,449,500 | 4,994 |
| Average total loans | $116,566,500 | 3,636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7478% | 1,871 |
| Cost of funding earning assets | 2.4765% | 4,329 |
| Net interest margin | 4.2713% | 2,067 |
| Noninterest income to average assets | 0.5129% | 4,524 |
| Noninterest expense to average assets | 2.6297% | 5,538 |
| Loan and lease loss provision to assets | 0.4396% | 3,091 |
| Net operating income to assets | 1.3775% | 1,285 |
| Return on assets (ROA) | 1.3775% | 1,236 |
| Pretax return on assets | 1.3775% | 2,036 |
| Return on Equity (ROE) | 17.7054% | 556 |
| Retained earnings to average equity (ytd only) | 12.9024% | 168 |
| Net charge-offs to loans | 0.2652% | 3,634 |
| Credit loss provision to net charge-offs | 209.0592% | 2,313 |
| Earnings coverage of net charge-offs (x) | 8.6411% | 2,846 |
| Efficiency ratio | 59.1366% | 6,510 |
| Assets per employee ($millions) | 3.8562% | 3,842 |
| Cash dividends to net income (ytd only)* | 27.1277% | 4,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,963 |
| Loan loss allowance to noncurrent loans | 51.5175% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 2.1884% | 2,235 |
| Noncurrent loans to loans | 2.2218% | 2,478 |
| Net loans and leases to total assets | 81.3113% | 1,356 |
| Net loans and leases to deposits | 92.0551% | 3,127 |
| Net loans and leases to core deposits | 117.3636% | 2,967 |
| Total domestic deposits to total assets | 88.3289% | 1,324 |
| Equity capital to assets | 8.0110% | 6,830 |
| Core capital (leverage) ratio | 8.2192% | 6,129 |
| Tier 1 risk-based capital ratio | 10.0590% | 6,679 |
| Total risk-based capital ratio | 11.2258% | 6,644 |
| Memoranda: | ||
| Average total assets | $136,478,600 | 4,148 |
| Average earning assets | $125,699,800 | 4,136 |
| Average equity | $10,618,200 | 5,234 |
| Average total loans | $108,236,200 | 3,734 |