Home > Mifflinburg Bank and Trust Company > Performance and Condition Ratios
Mifflinburg Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2221% | 2,676 |
| Cost of funding earning assets | 1.8827% | 2,236 |
| Net interest margin | 3.3394% | 2,687 |
| Noninterest income to average assets | 0.4000% | 2,235 |
| Noninterest expense to average assets | 2.0641% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1968% | 1,750 |
| Return on assets (ROA) | 1.1968% | 1,752 |
| Pretax return on assets | 1.4757% | 1,567 |
| Return on Equity (ROE) | 13.2100% | 1,433 |
| Retained earnings to average equity (ytd only) | 13.2093% | 617 |
| Net charge-offs to loans | -0.0018% | 3,536 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 58.2345% | 3,152 |
| Assets per employee ($millions) | 7.9627% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,288 |
| Loan loss allowance to noncurrent loans | 1,216.1202% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0732% | 3,173 |
| Noncurrent loans to loans | 0.0814% | 3,268 |
| Net loans and leases to total assets | 73.5700% | 1,393 |
| Net loans and leases to deposits | 87.8986% | 1,320 |
| Net loans and leases to core deposits | 96.8435% | 1,571 |
| Total domestic deposits to total assets | 83.7000% | 2,969 |
| Equity capital to assets | 9.1780% | 2,801 |
| Core capital (leverage) ratio | 9.7888% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $599,578,000 | 1,559 |
| Average earning assets | $565,368,500 | 1,539 |
| Average equity | $54,325,500 | 1,669 |
| Average total loans | $443,010,500 | 1,444 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 3,242 |
| Cost of funding earning assets | 1.8292% | 2,653 |
| Net interest margin | 3.0816% | 2,981 |
| Noninterest income to average assets | 0.3600% | 2,692 |
| Noninterest expense to average assets | 2.1981% | 3,146 |
| Loan and lease loss provision to assets | 0.1200% | 1,178 |
| Net operating income to assets | 0.7839% | 2,734 |
| Return on assets (ROA) | 0.7839% | 2,747 |
| Pretax return on assets | 0.9429% | 2,686 |
| Return on Equity (ROE) | 8.4500% | 2,612 |
| Retained earnings to average equity (ytd only) | 3.3740% | 2,885 |
| Net charge-offs to loans | 0.0123% | 2,461 |
| Credit loss provision to net charge-offs | 1,136.0000% | 364 |
| Earnings coverage of net charge-offs (x) | 121.4800% | 711 |
| Efficiency ratio | 67.4334% | 2,321 |
| Assets per employee ($millions) | 7.7142% | 1,697 |
| Cash dividends to net income (ytd only)* | 60.0892% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,203 |
| Loan loss allowance to noncurrent loans | 1,002.0595% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,159 |
| Noncurrent loans to loans | 0.1002% | 3,132 |
| Net loans and leases to total assets | 72.7200% | 1,588 |
| Net loans and leases to deposits | 88.2217% | 1,376 |
| Net loans and leases to core deposits | 94.9621% | 1,776 |
| Total domestic deposits to total assets | 82.4300% | 3,166 |
| Equity capital to assets | 8.9410% | 2,857 |
| Core capital (leverage) ratio | 9.6707% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $572,167,200 | 1,598 |
| Average earning assets | $537,775,200 | 1,575 |
| Average equity | $53,052,200 | 1,654 |
| Average total loans | $406,823,800 | 1,513 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8318% | 3,326 |
| Cost of funding earning assets | 1.8060% | 2,696 |
| Net interest margin | 3.0258% | 3,045 |
| Noninterest income to average assets | 0.3600% | 2,665 |
| Noninterest expense to average assets | 2.0137% | 3,536 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 0.9740% | 2,127 |
| Return on assets (ROA) | 0.9740% | 2,135 |
| Pretax return on assets | 1.1516% | 2,119 |
| Return on Equity (ROE) | 10.4100% | 2,079 |
| Retained earnings to average equity (ytd only) | 7.0438% | 1,728 |
| Net charge-offs to loans | 0.0090% | 2,316 |
| Credit loss provision to net charge-offs | 433.3333% | 707 |
| Earnings coverage of net charge-offs (x) | 187.5556% | 542 |
| Efficiency ratio | 62.8276% | 2,832 |
| Assets per employee ($millions) | 7.3243% | 1,921 |
| Cash dividends to net income (ytd only)* | 32.3188% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 3,428 |
| Loan loss allowance to noncurrent loans | 801.4199% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,127 |
| Noncurrent loans to loans | 0.1200% | 3,078 |
| Net loans and leases to total assets | 69.4300% | 1,917 |
| Net loans and leases to deposits | 81.9180% | 1,992 |
| Net loans and leases to core deposits | 88.2356% | 2,276 |
| Total domestic deposits to total assets | 84.7600% | 2,377 |
| Equity capital to assets | 9.4637% | 2,696 |
| Core capital (leverage) ratio | 10.1989% | 2,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $566,711,000 | 1,606 |
| Average earning assets | $532,071,250 | 1,591 |
| Average equity | $53,038,000 | 1,649 |
| Average total loans | $399,445,000 | 1,520 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 3,364 |
| Cost of funding earning assets | 1.7869% | 2,657 |
| Net interest margin | 2.9662% | 3,124 |
| Noninterest income to average assets | 0.3700% | 2,567 |
| Noninterest expense to average assets | 2.0171% | 3,517 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.9563% | 2,126 |
| Return on assets (ROA) | 0.9563% | 2,131 |
| Pretax return on assets | 1.1283% | 2,131 |
| Return on Equity (ROE) | 10.2600% | 2,095 |
| Retained earnings to average equity (ytd only) | 5.1347% | 2,294 |
| Net charge-offs to loans | 0.0025% | 2,448 |
| Credit loss provision to net charge-offs | 600.0000% | 555 |
| Earnings coverage of net charge-offs (x) | 638.2000% | 191 |
| Efficiency ratio | 63.9109% | 2,786 |
| Assets per employee ($millions) | 6.9860% | 2,084 |
| Cash dividends to net income (ytd only)* | 49.9440% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 3,469 |
| Loan loss allowance to noncurrent loans | 761.9608% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.0901% | 3,025 |
| Noncurrent loans to loans | 0.1261% | 3,024 |
| Net loans and leases to total assets | 70.7600% | 1,812 |
| Net loans and leases to deposits | 83.4792% | 1,892 |
| Net loans and leases to core deposits | 91.2120% | 2,065 |
| Total domestic deposits to total assets | 84.7700% | 2,376 |
| Equity capital to assets | 9.1952% | 2,611 |
| Core capital (leverage) ratio | 10.1451% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $560,299,333 | 1,613 |
| Average earning assets | $525,932,000 | 1,599 |
| Average equity | $52,233,333 | 1,647 |
| Average total loans | $395,659,667 | 1,529 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6854% | 3,357 |
| Cost of funding earning assets | 1.7741% | 2,574 |
| Net interest margin | 2.9114% | 3,172 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.0147% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.9356% | 2,127 |
| Return on assets (ROA) | 0.9356% | 2,143 |
| Pretax return on assets | 1.0963% | 2,150 |
| Return on Equity (ROE) | 9.9700% | 2,143 |
| Retained earnings to average equity (ytd only) | 9.9668% | 1,119 |
| Net charge-offs to loans | 0.0041% | 1,996 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 382.0000% | 240 |
| Efficiency ratio | 64.7601% | 2,713 |
| Assets per employee ($millions) | 6.8787% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9771% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,158.2583% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,257 |
| Noncurrent loans to loans | 0.0844% | 3,197 |
| Net loans and leases to total assets | 70.1600% | 1,793 |
| Net loans and leases to deposits | 83.6638% | 1,741 |
| Net loans and leases to core deposits | 91.5035% | 1,947 |
| Total domestic deposits to total assets | 83.8600% | 2,755 |
| Equity capital to assets | 9.4556% | 2,352 |
| Core capital (leverage) ratio | 10.2469% | 2,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $557,514,500 | 1,627 |
| Average earning assets | $522,642,500 | 1,622 |
| Average equity | $52,333,500 | 1,637 |
| Average total loans | $391,337,000 | 1,535 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 3,575 |
| Cost of funding earning assets | 1.4476% | 2,081 |
| Net interest margin | 2.7823% | 3,695 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.0510% | 3,514 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 0.8196% | 2,804 |
| Return on assets (ROA) | 0.7573% | 3,000 |
| Pretax return on assets | 0.8800% | 3,015 |
| Return on Equity (ROE) | 8.4400% | 2,907 |
| Retained earnings to average equity (ytd only) | 3.1515% | 3,227 |
| Net charge-offs to loans | -0.0003% | 3,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.2341% | 1,985 |
| Assets per employee ($millions) | 6.8031% | 2,204 |
| Cash dividends to net income (ytd only)* | 62.6798% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,342 |
| Loan loss allowance to noncurrent loans | 1,313.2653% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,151 |
| Noncurrent loans to loans | 0.0758% | 3,181 |
| Net loans and leases to total assets | 68.8500% | 1,938 |
| Net loans and leases to deposits | 81.2153% | 2,013 |
| Net loans and leases to core deposits | 88.5681% | 2,148 |
| Total domestic deposits to total assets | 84.7700% | 2,388 |
| Equity capital to assets | 9.3184% | 2,480 |
| Core capital (leverage) ratio | 10.0871% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $550,892,400 | 1,612 |
| Average earning assets | $515,679,200 | 1,584 |
| Average equity | $49,405,600 | 1,624 |
| Average total loans | $375,690,600 | 1,532 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 3,635 |
| Cost of funding earning assets | 1.3591% | 1,980 |
| Net interest margin | 2.7545% | 3,799 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.9792% | 3,641 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 0.8724% | 2,788 |
| Return on assets (ROA) | 0.8724% | 2,774 |
| Pretax return on assets | 1.0185% | 2,801 |
| Return on Equity (ROE) | 9.8200% | 2,692 |
| Retained earnings to average equity (ytd only) | 6.2753% | 2,546 |
| Net charge-offs to loans | -0.0021% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.2552% | 2,106 |
| Assets per employee ($millions) | 6.7260% | 2,162 |
| Cash dividends to net income (ytd only)* | 36.1258% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,302 |
| Loan loss allowance to noncurrent loans | 1,120.5797% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,122 |
| Noncurrent loans to loans | 0.0904% | 3,127 |
| Net loans and leases to total assets | 67.6700% | 2,083 |
| Net loans and leases to deposits | 79.1771% | 2,127 |
| Net loans and leases to core deposits | 87.3693% | 2,102 |
| Total domestic deposits to total assets | 85.4700% | 2,357 |
| Equity capital to assets | 8.7556% | 2,567 |
| Core capital (leverage) ratio | 10.2842% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $549,151,750 | 1,615 |
| Average earning assets | $514,444,500 | 1,586 |
| Average equity | $48,761,250 | 1,633 |
| Average total loans | $372,632,250 | 1,539 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0211% | 3,639 |
| Cost of funding earning assets | 1.2488% | 1,857 |
| Net interest margin | 2.7723% | 3,863 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.9820% | 3,633 |
| Loan and lease loss provision to assets | -0.0800% | 4,546 |
| Net operating income to assets | 0.9090% | 2,727 |
| Return on assets (ROA) | 0.9090% | 2,711 |
| Pretax return on assets | 1.0598% | 2,749 |
| Return on Equity (ROE) | 10.1900% | 2,647 |
| Retained earnings to average equity (ytd only) | 4.8602% | 2,973 |
| Net charge-offs to loans | -0.0027% | 3,588 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.9802% | 2,105 |
| Assets per employee ($millions) | 6.6286% | 2,189 |
| Cash dividends to net income (ytd only)* | 52.2965% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,291 |
| Loan loss allowance to noncurrent loans | 961.4428% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 3,040 |
| Noncurrent loans to loans | 0.1072% | 2,943 |
| Net loans and leases to total assets | 67.4700% | 2,014 |
| Net loans and leases to deposits | 80.1866% | 1,958 |
| Net loans and leases to core deposits | 88.8405% | 1,874 |
| Total domestic deposits to total assets | 84.1400% | 2,794 |
| Equity capital to assets | 8.9010% | 2,588 |
| Core capital (leverage) ratio | 10.0966% | 2,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $546,115,667 | 1,617 |
| Average earning assets | $511,206,667 | 1,595 |
| Average equity | $48,722,000 | 1,628 |
| Average total loans | $369,628,667 | 1,536 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9007% | 3,671 |
| Cost of funding earning assets | 1.0704% | 1,837 |
| Net interest margin | 2.8303% | 3,904 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.9534% | 3,738 |
| Loan and lease loss provision to assets | -0.1600% | 4,612 |
| Net operating income to assets | 1.0315% | 2,431 |
| Return on assets (ROA) | 1.0315% | 2,400 |
| Pretax return on assets | 1.2145% | 2,391 |
| Return on Equity (ROE) | 11.5500% | 2,337 |
| Retained earnings to average equity (ytd only) | 11.5479% | 1,350 |
| Net charge-offs to loans | 0.0087% | 1,619 |
| Credit loss provision to net charge-offs | -2,825.0000% | 4,673 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 535 |
| Efficiency ratio | 64.8523% | 2,348 |
| Assets per employee ($millions) | 6.6910% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0555% | 3,266 |
| Loan loss allowance to noncurrent loans | 1,136.2832% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,161 |
| Noncurrent loans to loans | 0.0929% | 3,086 |
| Net loans and leases to total assets | 66.6300% | 1,995 |
| Net loans and leases to deposits | 79.1795% | 1,880 |
| Net loans and leases to core deposits | 84.0916% | 1,978 |
| Total domestic deposits to total assets | 84.1500% | 3,062 |
| Equity capital to assets | 9.2147% | 2,357 |
| Core capital (leverage) ratio | 10.2597% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $544,087,000 | 1,644 |
| Average earning assets | $511,191,000 | 1,617 |
| Average equity | $48,597,500 | 1,644 |
| Average total loans | $366,912,500 | 1,558 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 3,100 |
| Cost of funding earning assets | 0.4145% | 1,980 |
| Net interest margin | 3.0757% | 3,240 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.9833% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1056% | 2,151 |
| Return on assets (ROA) | 1.1056% | 2,085 |
| Pretax return on assets | 1.3078% | 2,063 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 7.2112% | 2,141 |
| Net charge-offs to loans | 0.0073% | 2,132 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 274.8077% | 521 |
| Efficiency ratio | 60.2614% | 3,023 |
| Assets per employee ($millions) | 6.9139% | 2,030 |
| Cash dividends to net income (ytd only)* | 42.4503% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1001% | 2,890 |
| Loan loss allowance to noncurrent loans | 1,330.4918% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,248 |
| Noncurrent loans to loans | 0.0827% | 3,164 |
| Net loans and leases to total assets | 66.7900% | 1,947 |
| Net loans and leases to deposits | 79.1511% | 1,831 |
| Net loans and leases to core deposits | 81.7686% | 2,024 |
| Total domestic deposits to total assets | 84.3800% | 3,131 |
| Equity capital to assets | 8.6514% | 2,594 |
| Core capital (leverage) ratio | 10.0768% | 2,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $546,324,400 | 1,616 |
| Average earning assets | $515,326,600 | 1,589 |
| Average equity | $48,202,600 | 1,667 |
| Average total loans | $355,738,000 | 1,530 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3848% | 2,955 |
| Cost of funding earning assets | 0.2975% | 2,196 |
| Net interest margin | 3.0873% | 2,967 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.9535% | 3,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1377% | 1,938 |
| Return on assets (ROA) | 1.1377% | 1,909 |
| Pretax return on assets | 1.3463% | 1,902 |
| Return on Equity (ROE) | 12.8300% | 1,761 |
| Retained earnings to average equity (ytd only) | 9.3282% | 1,543 |
| Net charge-offs to loans | 0.0110% | 1,704 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 190.2414% | 640 |
| Efficiency ratio | 59.1998% | 3,222 |
| Assets per employee ($millions) | 6.6864% | 2,171 |
| Cash dividends to net income (ytd only)* | 27.3059% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 3,002 |
| Loan loss allowance to noncurrent loans | 1,287.3016% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,312 |
| Noncurrent loans to loans | 0.0857% | 3,263 |
| Net loans and leases to total assets | 67.1200% | 1,770 |
| Net loans and leases to deposits | 75.9211% | 1,882 |
| Net loans and leases to core deposits | 78.3965% | 2,013 |
| Total domestic deposits to total assets | 88.4000% | 2,307 |
| Equity capital to assets | 8.4620% | 2,572 |
| Core capital (leverage) ratio | 9.9771% | 2,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $546,355,250 | 1,631 |
| Average earning assets | $515,784,500 | 1,602 |
| Average equity | $48,439,750 | 1,678 |
| Average total loans | $352,456,000 | 1,525 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2815% | 2,795 |
| Cost of funding earning assets | 0.2389% | 2,406 |
| Net interest margin | 3.0426% | 2,746 |
| Noninterest income to average assets | 0.3843% | 2,846 |
| Noninterest expense to average assets | 1.9436% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1133% | 1,726 |
| Return on assets (ROA) | 1.1133% | 1,702 |
| Pretax return on assets | 1.3180% | 1,689 |
| Return on Equity (ROE) | 12.3708% | 1,560 |
| Retained earnings to average equity (ytd only) | 7.2075% | 1,913 |
| Net charge-offs to loans | 0.0081% | 1,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 257.9286% | 456 |
| Efficiency ratio | 59.5904% | 3,349 |
| Assets per employee ($millions) | 6.7771% | 2,093 |
| Cash dividends to net income (ytd only)* | 41.7377% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 2,998 |
| Loan loss allowance to noncurrent loans | 837.4486% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.0885% | 3,100 |
| Noncurrent loans to loans | 0.1359% | 3,028 |
| Net loans and leases to total assets | 64.4193% | 1,859 |
| Net loans and leases to deposits | 73.7113% | 1,898 |
| Net loans and leases to core deposits | 76.4016% | 1,983 |
| Total domestic deposits to total assets | 87.3940% | 2,798 |
| Equity capital to assets | 8.5098% | 2,755 |
| Core capital (leverage) ratio | 9.7169% | 2,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $547,941,333 | 1,635 |
| Average earning assets | $518,176,667 | 1,613 |
| Average equity | $49,309,667 | 1,701 |
| Average total loans | $347,422,667 | 1,540 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2420% | 2,560 |
| Cost of funding earning assets | 0.2260% | 2,454 |
| Net interest margin | 3.0161% | 2,453 |
| Noninterest income to average assets | 0.3748% | 2,843 |
| Noninterest expense to average assets | 1.8654% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1603% | 1,354 |
| Return on assets (ROA) | 1.1603% | 1,353 |
| Pretax return on assets | 1.3671% | 1,337 |
| Return on Equity (ROE) | 12.5515% | 1,143 |
| Retained earnings to average equity (ytd only) | 12.5515% | 520 |
| Net charge-offs to loans | -0.0012% | 3,031 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7080% | 3,708 |
| Assets per employee ($millions) | 6.8732% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1825% | 2,949 |
| Loan loss allowance to noncurrent loans | 610.6129% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 2,952 |
| Noncurrent loans to loans | 0.1937% | 2,847 |
| Net loans and leases to total assets | 62.8708% | 1,757 |
| Net loans and leases to deposits | 74.1881% | 1,592 |
| Net loans and leases to core deposits | 76.9002% | 1,714 |
| Total domestic deposits to total assets | 84.7451% | 3,601 |
| Equity capital to assets | 9.0887% | 2,633 |
| Core capital (leverage) ratio | 9.5581% | 2,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $547,439,000 | 1,642 |
| Average earning assets | $518,690,500 | 1,621 |
| Average equity | $50,607,500 | 1,722 |
| Average total loans | $342,285,500 | 1,545 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4260% | 2,864 |
| Cost of funding earning assets | 0.3016% | 2,391 |
| Net interest margin | 3.1243% | 2,826 |
| Noninterest income to average assets | 0.4407% | 2,854 |
| Noninterest expense to average assets | 2.0857% | 3,421 |
| Loan and lease loss provision to assets | 0.0084% | 2,912 |
| Net operating income to assets | 1.1025% | 2,289 |
| Return on assets (ROA) | 1.1025% | 2,348 |
| Pretax return on assets | 1.3013% | 2,354 |
| Return on Equity (ROE) | 11.5079% | 1,983 |
| Retained earnings to average equity (ytd only) | 6.7126% | 2,032 |
| Net charge-offs to loans | 0.0371% | 1,508 |
| Credit loss provision to net charge-offs | 36.2903% | 2,212 |
| Earnings coverage of net charge-offs (x) | 56.3548% | 1,224 |
| Efficiency ratio | 61.4264% | 2,948 |
| Assets per employee ($millions) | 6.8987% | 1,992 |
| Cash dividends to net income (ytd only)* | 41.6695% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,864 |
| Loan loss allowance to noncurrent loans | 327.7689% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,426 |
| Noncurrent loans to loans | 0.3674% | 2,269 |
| Net loans and leases to total assets | 60.7043% | 2,088 |
| Net loans and leases to deposits | 71.8991% | 1,922 |
| Net loans and leases to core deposits | 74.3362% | 2,050 |
| Total domestic deposits to total assets | 84.4299% | 3,438 |
| Equity capital to assets | 9.3976% | 3,226 |
| Core capital (leverage) ratio | 9.2835% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $533,526,000 | 1,614 |
| Average earning assets | $504,589,800 | 1,591 |
| Average equity | $51,112,800 | 1,730 |
| Average total loans | $333,788,200 | 1,577 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4854% | 2,876 |
| Cost of funding earning assets | 0.3178% | 2,423 |
| Net interest margin | 3.1676% | 2,839 |
| Noninterest income to average assets | 0.4454% | 2,858 |
| Noninterest expense to average assets | 1.9551% | 3,799 |
| Loan and lease loss provision to assets | 0.0113% | 2,761 |
| Net operating income to assets | 1.2478% | 1,998 |
| Return on assets (ROA) | 1.2478% | 2,062 |
| Pretax return on assets | 1.4716% | 2,075 |
| Return on Equity (ROE) | 12.9600% | 1,701 |
| Retained earnings to average equity (ytd only) | 9.7763% | 1,389 |
| Net charge-offs to loans | -0.0084% | 3,607 |
| Credit loss provision to net charge-offs | -214.2857% | 3,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8663% | 3,432 |
| Assets per employee ($millions) | 6.7502% | 2,055 |
| Cash dividends to net income (ytd only)* | 24.5657% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,777 |
| Loan loss allowance to noncurrent loans | 300.9964% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 2,486 |
| Noncurrent loans to loans | 0.4131% | 2,320 |
| Net loans and leases to total assets | 61.4291% | 2,087 |
| Net loans and leases to deposits | 74.6546% | 1,794 |
| Net loans and leases to core deposits | 76.8857% | 1,970 |
| Total domestic deposits to total assets | 82.2843% | 3,867 |
| Equity capital to assets | 9.6473% | 3,254 |
| Core capital (leverage) ratio | 9.5104% | 3,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $528,933,000 | 1,639 |
| Average earning assets | $499,707,000 | 1,615 |
| Average equity | $50,924,750 | 1,752 |
| Average total loans | $332,457,750 | 1,612 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4224% | 3,107 |
| Cost of funding earning assets | 0.3414% | 2,389 |
| Net interest margin | 3.0811% | 3,086 |
| Noninterest income to average assets | 0.4444% | 2,876 |
| Noninterest expense to average assets | 1.9821% | 3,755 |
| Loan and lease loss provision to assets | 0.0172% | 2,611 |
| Net operating income to assets | 1.1476% | 2,379 |
| Return on assets (ROA) | 1.1476% | 2,439 |
| Pretax return on assets | 1.3549% | 2,459 |
| Return on Equity (ROE) | 11.9284% | 2,095 |
| Retained earnings to average equity (ytd only) | 7.0950% | 2,396 |
| Net charge-offs to loans | 0.0018% | 2,148 |
| Credit loss provision to net charge-offs | 1,500.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 1,196.0000% | 107 |
| Efficiency ratio | 59.0925% | 3,140 |
| Assets per employee ($millions) | 6.5633% | 2,115 |
| Cash dividends to net income (ytd only)* | 40.5198% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 2,704 |
| Loan loss allowance to noncurrent loans | 220.9669% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 2,181 |
| Noncurrent loans to loans | 0.5633% | 1,987 |
| Net loans and leases to total assets | 61.9903% | 2,180 |
| Net loans and leases to deposits | 75.0324% | 1,908 |
| Net loans and leases to core deposits | 77.7900% | 2,065 |
| Total domestic deposits to total assets | 82.6180% | 3,786 |
| Equity capital to assets | 9.4706% | 3,364 |
| Core capital (leverage) ratio | 9.2607% | 3,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $522,989,333 | 1,647 |
| Average earning assets | $493,916,000 | 1,623 |
| Average equity | $50,317,000 | 1,764 |
| Average total loans | $329,910,000 | 1,629 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 3,138 |
| Cost of funding earning assets | 0.3660% | 2,395 |
| Net interest margin | 3.0532% | 3,122 |
| Noninterest income to average assets | 0.4649% | 2,776 |
| Noninterest expense to average assets | 1.9581% | 3,837 |
| Loan and lease loss provision to assets | 0.0349% | 2,307 |
| Net operating income to assets | 1.1331% | 2,378 |
| Return on assets (ROA) | 1.1331% | 2,454 |
| Pretax return on assets | 1.3528% | 2,421 |
| Return on Equity (ROE) | 11.6822% | 2,132 |
| Retained earnings to average equity (ytd only) | 11.6822% | 1,231 |
| Net charge-offs to loans | -0.0147% | 3,850 |
| Credit loss provision to net charge-offs | -375.0000% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5247% | 3,230 |
| Assets per employee ($millions) | 6.2239% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,519 |
| Loan loss allowance to noncurrent loans | 166.4038% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 1,938 |
| Noncurrent loans to loans | 0.7700% | 1,702 |
| Net loans and leases to total assets | 62.1912% | 2,269 |
| Net loans and leases to deposits | 76.0411% | 1,904 |
| Net loans and leases to core deposits | 78.7398% | 2,116 |
| Total domestic deposits to total assets | 81.7863% | 3,933 |
| Equity capital to assets | 9.6180% | 3,083 |
| Core capital (leverage) ratio | 9.5135% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $515,387,000 | 1,654 |
| Average earning assets | $486,314,500 | 1,630 |
| Average equity | $49,990,500 | 1,759 |
| Average total loans | $325,948,500 | 1,645 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7641% | 3,404 |
| Cost of funding earning assets | 0.6224% | 2,166 |
| Net interest margin | 3.1417% | 3,517 |
| Noninterest income to average assets | 0.4849% | 2,698 |
| Noninterest expense to average assets | 2.0297% | 4,087 |
| Loan and lease loss provision to assets | 0.1061% | 3,010 |
| Net operating income to assets | 1.1094% | 1,892 |
| Return on assets (ROA) | 1.1094% | 2,012 |
| Pretax return on assets | 1.3095% | 1,943 |
| Return on Equity (ROE) | 11.2251% | 1,549 |
| Retained earnings to average equity (ytd only) | 6.3485% | 1,649 |
| Net charge-offs to loans | 0.0552% | 1,996 |
| Credit loss provision to net charge-offs | 289.3258% | 1,775 |
| Earnings coverage of net charge-offs (x) | 38.5955% | 1,415 |
| Efficiency ratio | 58.9115% | 3,600 |
| Assets per employee ($millions) | 6.1201% | 2,239 |
| Cash dividends to net income (ytd only)* | 43.4435% | 2,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,457 |
| Loan loss allowance to noncurrent loans | 141.5986% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 1,827 |
| Noncurrent loans to loans | 0.9115% | 1,547 |
| Net loans and leases to total assets | 62.6762% | 2,521 |
| Net loans and leases to deposits | 77.5808% | 2,115 |
| Net loans and leases to core deposits | 80.4324% | 2,322 |
| Total domestic deposits to total assets | 80.7882% | 3,911 |
| Equity capital to assets | 9.7835% | 3,333 |
| Core capital (leverage) ratio | 9.2883% | 3,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $485,294,600 | 1,593 |
| Average earning assets | $457,298,800 | 1,571 |
| Average equity | $47,963,800 | 1,758 |
| Average total loans | $322,282,400 | 1,601 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7839% | 3,610 |
| Cost of funding earning assets | 0.6809% | 2,138 |
| Net interest margin | 3.1031% | 3,728 |
| Noninterest income to average assets | 0.4823% | 2,688 |
| Noninterest expense to average assets | 1.9145% | 4,304 |
| Loan and lease loss provision to assets | 0.1042% | 3,015 |
| Net operating income to assets | 1.1762% | 1,725 |
| Return on assets (ROA) | 1.1762% | 1,845 |
| Pretax return on assets | 1.3863% | 1,779 |
| Return on Equity (ROE) | 11.8686% | 1,411 |
| Retained earnings to average equity (ytd only) | 8.6146% | 1,105 |
| Net charge-offs to loans | 0.0401% | 2,055 |
| Credit loss provision to net charge-offs | 386.5979% | 1,502 |
| Earnings coverage of net charge-offs (x) | 55.2784% | 1,139 |
| Efficiency ratio | 56.2250% | 3,893 |
| Assets per employee ($millions) | 6.4150% | 1,900 |
| Cash dividends to net income (ytd only)* | 27.4167% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 2,392 |
| Loan loss allowance to noncurrent loans | 138.6955% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5839% | 1,977 |
| Noncurrent loans to loans | 0.9015% | 1,660 |
| Net loans and leases to total assets | 63.9556% | 2,776 |
| Net loans and leases to deposits | 80.4815% | 2,267 |
| Net loans and leases to core deposits | 84.0604% | 2,468 |
| Total domestic deposits to total assets | 79.4662% | 3,966 |
| Equity capital to assets | 9.7931% | 3,435 |
| Core capital (leverage) ratio | 9.5393% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $479,627,000 | 1,587 |
| Average earning assets | $451,757,000 | 1,566 |
| Average equity | $47,530,500 | 1,760 |
| Average total loans | $322,219,000 | 1,600 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8794% | 3,678 |
| Cost of funding earning assets | 0.7553% | 2,081 |
| Net interest margin | 3.1241% | 3,850 |
| Noninterest income to average assets | 0.4441% | 2,831 |
| Noninterest expense to average assets | 1.9134% | 4,393 |
| Loan and lease loss provision to assets | 0.0956% | 3,077 |
| Net operating income to assets | 1.1658% | 1,740 |
| Return on assets (ROA) | 1.1658% | 1,867 |
| Pretax return on assets | 1.3762% | 1,782 |
| Return on Equity (ROE) | 11.7145% | 1,416 |
| Retained earnings to average equity (ytd only) | 6.7605% | 1,754 |
| Net charge-offs to loans | 0.0418% | 1,905 |
| Credit loss provision to net charge-offs | 335.8209% | 1,543 |
| Earnings coverage of net charge-offs (x) | 51.6866% | 1,078 |
| Efficiency ratio | 56.5223% | 3,883 |
| Assets per employee ($millions) | 6.4534% | 1,829 |
| Cash dividends to net income (ytd only)* | 42.2895% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,504 |
| Loan loss allowance to noncurrent loans | 127.6105% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 1,935 |
| Noncurrent loans to loans | 0.9422% | 1,642 |
| Net loans and leases to total assets | 65.8815% | 2,646 |
| Net loans and leases to deposits | 83.4512% | 2,052 |
| Net loans and leases to core deposits | 87.4033% | 2,313 |
| Total domestic deposits to total assets | 78.9461% | 4,045 |
| Equity capital to assets | 9.6644% | 3,514 |
| Core capital (leverage) ratio | 9.5284% | 3,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $470,575,000 | 1,582 |
| Average earning assets | $443,008,333 | 1,565 |
| Average equity | $46,830,667 | 1,771 |
| Average total loans | $320,218,667 | 1,591 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 3,722 |
| Cost of funding earning assets | 0.8675% | 2,022 |
| Net interest margin | 3.1568% | 3,965 |
| Noninterest income to average assets | 0.4486% | 2,798 |
| Noninterest expense to average assets | 1.9082% | 4,534 |
| Loan and lease loss provision to assets | 0.1312% | 2,083 |
| Net operating income to assets | 1.1640% | 1,645 |
| Return on assets (ROA) | 1.1640% | 1,756 |
| Pretax return on assets | 1.3782% | 1,627 |
| Return on Equity (ROE) | 11.5153% | 1,255 |
| Retained earnings to average equity (ytd only) | 11.5153% | 479 |
| Net charge-offs to loans | 0.0254% | 1,859 |
| Credit loss provision to net charge-offs | 750.0000% | 687 |
| Earnings coverage of net charge-offs (x) | 86.3000% | 643 |
| Efficiency ratio | 55.8342% | 4,221 |
| Assets per employee ($millions) | 5.7755% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,418 |
| Loan loss allowance to noncurrent loans | 121.6856% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7125% | 1,884 |
| Noncurrent loans to loans | 1.0235% | 1,625 |
| Net loans and leases to total assets | 68.7523% | 2,424 |
| Net loans and leases to deposits | 90.0872% | 1,503 |
| Net loans and leases to core deposits | 95.9807% | 1,791 |
| Total domestic deposits to total assets | 76.3175% | 4,442 |
| Equity capital to assets | 10.3393% | 3,477 |
| Core capital (leverage) ratio | 10.1390% | 3,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $457,405,000 | 1,579 |
| Average earning assets | $430,179,000 | 1,556 |
| Average equity | $46,234,000 | 1,783 |
| Average total loans | $314,648,500 | 1,578 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1696% | 3,886 |
| Cost of funding earning assets | 0.9870% | 1,780 |
| Net interest margin | 3.1826% | 4,224 |
| Noninterest income to average assets | 0.5006% | 2,739 |
| Noninterest expense to average assets | 2.1362% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1367% | 2,302 |
| Return on assets (ROA) | 1.1367% | 2,403 |
| Pretax return on assets | 1.3459% | 2,345 |
| Return on Equity (ROE) | 11.5395% | 1,674 |
| Retained earnings to average equity (ytd only) | 6.3888% | 1,677 |
| Net charge-offs to loans | 0.0382% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 50.8729% | 1,115 |
| Efficiency ratio | 61.3483% | 3,488 |
| Assets per employee ($millions) | 5.7319% | 1,856 |
| Cash dividends to net income (ytd only)* | 44.6351% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,295 |
| Loan loss allowance to noncurrent loans | 122.2755% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 1,887 |
| Noncurrent loans to loans | 1.0040% | 1,511 |
| Net loans and leases to total assets | 67.1302% | 2,809 |
| Net loans and leases to deposits | 84.5146% | 2,279 |
| Net loans and leases to core deposits | 90.3340% | 2,393 |
| Total domestic deposits to total assets | 79.4303% | 4,095 |
| Equity capital to assets | 9.8777% | 4,032 |
| Core capital (leverage) ratio | 9.7929% | 3,739 |
| Tier 1 risk-based capital ratio | 13.0834% | 3,753 |
| Total risk-based capital ratio | 14.2092% | 3,689 |
| Memoranda: | ||
| Average total assets | $446,033,000 | 1,572 |
| Average earning assets | $417,834,400 | 1,554 |
| Average equity | $43,936,000 | 1,792 |
| Average total loans | $309,303,400 | 1,569 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1969% | 3,925 |
| Cost of funding earning assets | 0.9924% | 1,798 |
| Net interest margin | 3.2046% | 4,290 |
| Noninterest income to average assets | 0.4907% | 2,790 |
| Noninterest expense to average assets | 2.0555% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2011% | 2,188 |
| Return on assets (ROA) | 1.2011% | 2,270 |
| Pretax return on assets | 1.4332% | 2,182 |
| Return on Equity (ROE) | 12.2025% | 1,545 |
| Retained earnings to average equity (ytd only) | 9.3400% | 946 |
| Net charge-offs to loans | 0.0367% | 2,354 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 56.0120% | 1,108 |
| Efficiency ratio | 58.9179% | 3,811 |
| Assets per employee ($millions) | 5.6509% | 1,890 |
| Cash dividends to net income (ytd only)* | 23.4587% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,343 |
| Loan loss allowance to noncurrent loans | 394.9846% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 3,708 |
| Noncurrent loans to loans | 0.3109% | 3,413 |
| Net loans and leases to total assets | 68.6651% | 2,682 |
| Net loans and leases to deposits | 88.0634% | 1,921 |
| Net loans and leases to core deposits | 94.4107% | 2,146 |
| Total domestic deposits to total assets | 77.9723% | 4,356 |
| Equity capital to assets | 10.1184% | 3,893 |
| Core capital (leverage) ratio | 10.0538% | 3,589 |
| Tier 1 risk-based capital ratio | 13.3561% | 3,654 |
| Total risk-based capital ratio | 14.5089% | 3,612 |
| Memoranda: | ||
| Average total assets | $442,904,000 | 1,584 |
| Average earning assets | $414,354,750 | 1,576 |
| Average equity | $43,596,500 | 1,813 |
| Average total loans | $308,716,500 | 1,582 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,947 |
| Cost of funding earning assets | 0.9849% | 1,769 |
| Net interest margin | 3.2069% | 4,357 |
| Noninterest income to average assets | 0.4697% | 2,841 |
| Noninterest expense to average assets | 2.0571% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1804% | 2,221 |
| Return on assets (ROA) | 1.1804% | 2,291 |
| Pretax return on assets | 1.4123% | 2,158 |
| Return on Equity (ROE) | 12.1078% | 1,535 |
| Retained earnings to average equity (ytd only) | 7.7423% | 1,500 |
| Net charge-offs to loans | 0.0228% | 2,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 88.7429% | 754 |
| Efficiency ratio | 59.2923% | 3,830 |
| Assets per employee ($millions) | 5.3946% | 2,051 |
| Cash dividends to net income (ytd only)* | 36.0555% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 2,204 |
| Loan loss allowance to noncurrent loans | 349.9552% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 3,561 |
| Noncurrent loans to loans | 0.3595% | 3,251 |
| Net loans and leases to total assets | 69.3510% | 2,623 |
| Net loans and leases to deposits | 89.6176% | 1,782 |
| Net loans and leases to core deposits | 95.4339% | 2,124 |
| Total domestic deposits to total assets | 77.3855% | 4,508 |
| Equity capital to assets | 9.9720% | 3,995 |
| Core capital (leverage) ratio | 9.8569% | 3,748 |
| Tier 1 risk-based capital ratio | 13.0412% | 3,818 |
| Total risk-based capital ratio | 14.2181% | 3,767 |
| Memoranda: | ||
| Average total assets | $439,849,330 | 1,595 |
| Average earning assets | $411,421,670 | 1,589 |
| Average equity | $42,881,330 | 1,835 |
| Average total loans | $306,864,670 | 1,589 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 3,951 |
| Cost of funding earning assets | 0.9746% | 1,682 |
| Net interest margin | 3.1988% | 4,389 |
| Noninterest income to average assets | 0.4660% | 2,765 |
| Noninterest expense to average assets | 2.0675% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1555% | 2,240 |
| Return on assets (ROA) | 1.1555% | 2,297 |
| Pretax return on assets | 1.3890% | 2,126 |
| Return on Equity (ROE) | 11.9907% | 1,530 |
| Retained earnings to average equity (ytd only) | 11.9907% | 610 |
| Net charge-offs to loans | 0.0590% | 1,450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 33.8444% | 1,254 |
| Efficiency ratio | 59.8153% | 3,834 |
| Assets per employee ($millions) | 5.4511% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,206 |
| Loan loss allowance to noncurrent loans | 427.0537% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 3,787 |
| Noncurrent loans to loans | 0.2990% | 3,488 |
| Net loans and leases to total assets | 68.2789% | 2,718 |
| Net loans and leases to deposits | 87.8266% | 1,897 |
| Net loans and leases to core deposits | 94.3445% | 2,092 |
| Total domestic deposits to total assets | 77.7428% | 4,558 |
| Equity capital to assets | 9.7729% | 4,030 |
| Core capital (leverage) ratio | 9.8800% | 3,730 |
| Tier 1 risk-based capital ratio | 12.9978% | 3,878 |
| Total risk-based capital ratio | 14.1767% | 3,810 |
| Memoranda: | ||
| Average total assets | $438,595,500 | 1,601 |
| Average earning assets | $410,024,500 | 1,599 |
| Average equity | $42,266,000 | 1,844 |
| Average total loans | $304,953,000 | 1,608 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,883 |
| Cost of funding earning assets | 0.8536% | 1,293 |
| Net interest margin | 3.1993% | 4,488 |
| Noninterest income to average assets | 0.4931% | 2,869 |
| Noninterest expense to average assets | 2.0310% | 4,694 |
| Loan and lease loss provision to assets | 0.0518% | 3,145 |
| Net operating income to assets | 1.1904% | 2,222 |
| Return on assets (ROA) | 1.1457% | 2,407 |
| Pretax return on assets | 1.3486% | 2,323 |
| Return on Equity (ROE) | 12.4452% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.0718% | 1,643 |
| Net charge-offs to loans | 0.0863% | 1,915 |
| Credit loss provision to net charge-offs | 85.2273% | 2,781 |
| Earnings coverage of net charge-offs (x) | 23.8977% | 1,836 |
| Efficiency ratio | 58.2959% | 4,117 |
| Assets per employee ($millions) | 5.9678% | 1,548 |
| Cash dividends to net income (ytd only)* | 43.1759% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 2,061 |
| Loan loss allowance to noncurrent loans | 423.1760% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,752 |
| Noncurrent loans to loans | 0.3060% | 3,452 |
| Net loans and leases to total assets | 68.9966% | 2,727 |
| Net loans and leases to deposits | 87.3347% | 2,132 |
| Net loans and leases to core deposits | 94.0995% | 2,220 |
| Total domestic deposits to total assets | 79.0025% | 4,310 |
| Equity capital to assets | 9.4986% | 4,137 |
| Core capital (leverage) ratio | 9.4079% | 4,229 |
| Tier 1 risk-based capital ratio | 12.7532% | 3,989 |
| Total risk-based capital ratio | 13.9587% | 3,894 |
| Memoranda: | ||
| Average total assets | $434,216,800 | 1,582 |
| Average earning assets | $405,938,200 | 1,565 |
| Average equity | $39,975,400 | 1,861 |
| Average total loans | $305,775,000 | 1,574 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9846% | 3,971 |
| Cost of funding earning assets | 0.8071% | 1,301 |
| Net interest margin | 3.1775% | 4,558 |
| Noninterest income to average assets | 0.5065% | 2,827 |
| Noninterest expense to average assets | 1.9570% | 4,813 |
| Loan and lease loss provision to assets | 0.0691% | 2,588 |
| Net operating income to assets | 1.2266% | 2,137 |
| Return on assets (ROA) | 1.2188% | 2,159 |
| Pretax return on assets | 1.4401% | 2,087 |
| Return on Equity (ROE) | 13.3451% | 1,314 |
| Retained earnings to average equity (ytd only) | 10.3840% | 800 |
| Net charge-offs to loans | 0.0584% | 1,985 |
| Credit loss provision to net charge-offs | 167.9104% | 1,586 |
| Earnings coverage of net charge-offs (x) | 36.8736% | 1,417 |
| Efficiency ratio | 56.3091% | 4,344 |
| Assets per employee ($millions) | 5.9075% | 1,569 |
| Cash dividends to net income (ytd only)* | 22.1885% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 1,976 |
| Loan loss allowance to noncurrent loans | 480.9917% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 3,998 |
| Noncurrent loans to loans | 0.2760% | 3,695 |
| Net loans and leases to total assets | 67.4550% | 3,016 |
| Net loans and leases to deposits | 87.3805% | 2,224 |
| Net loans and leases to core deposits | 93.9050% | 2,295 |
| Total domestic deposits to total assets | 77.1969% | 4,614 |
| Equity capital to assets | 9.0995% | 4,458 |
| Core capital (leverage) ratio | 9.5940% | 4,068 |
| Tier 1 risk-based capital ratio | 12.6288% | 4,138 |
| Total risk-based capital ratio | 13.8544% | 4,039 |
| Memoranda: | ||
| Average total assets | $433,858,000 | 1,591 |
| Average earning assets | $405,385,500 | 1,580 |
| Average equity | $39,624,000 | 1,881 |
| Average total loans | $306,086,500 | 1,577 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 3,976 |
| Cost of funding earning assets | 0.7764% | 1,249 |
| Net interest margin | 3.1605% | 4,592 |
| Noninterest income to average assets | 0.5186% | 2,754 |
| Noninterest expense to average assets | 1.9607% | 4,861 |
| Loan and lease loss provision to assets | 0.0700% | 2,485 |
| Net operating income to assets | 1.2183% | 2,109 |
| Return on assets (ROA) | 1.2066% | 2,165 |
| Pretax return on assets | 1.4300% | 2,053 |
| Return on Equity (ROE) | 13.1943% | 1,303 |
| Retained earnings to average equity (ytd only) | 8.7061% | 1,320 |
| Net charge-offs to loans | 0.0608% | 1,737 |
| Credit loss provision to net charge-offs | 161.2903% | 1,505 |
| Earnings coverage of net charge-offs (x) | 34.9032% | 1,389 |
| Efficiency ratio | 56.4295% | 4,427 |
| Assets per employee ($millions) | 5.9701% | 1,488 |
| Cash dividends to net income (ytd only)* | 34.0162% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 2,108 |
| Loan loss allowance to noncurrent loans | 433.4764% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,929 |
| Noncurrent loans to loans | 0.3027% | 3,620 |
| Net loans and leases to total assets | 69.7316% | 2,621 |
| Net loans and leases to deposits | 90.1641% | 1,816 |
| Net loans and leases to core deposits | 96.7720% | 1,984 |
| Total domestic deposits to total assets | 77.3385% | 4,686 |
| Equity capital to assets | 9.1094% | 4,472 |
| Core capital (leverage) ratio | 9.4155% | 4,228 |
| Tier 1 risk-based capital ratio | 12.2477% | 4,343 |
| Total risk-based capital ratio | 13.4664% | 4,240 |
| Memoranda: | ||
| Average total assets | $428,821,000 | 1,616 |
| Average earning assets | $401,077,330 | 1,603 |
| Average equity | $39,214,000 | 1,895 |
| Average total loans | $305,806,670 | 1,573 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8809% | 3,981 |
| Cost of funding earning assets | 0.7710% | 1,096 |
| Net interest margin | 3.1099% | 4,683 |
| Noninterest income to average assets | 0.4825% | 2,919 |
| Noninterest expense to average assets | 1.9185% | 4,996 |
| Loan and lease loss provision to assets | 0.0705% | 2,351 |
| Net operating income to assets | 1.1920% | 2,042 |
| Return on assets (ROA) | 1.1680% | 2,156 |
| Pretax return on assets | 1.3750% | 2,085 |
| Return on Equity (ROE) | 12.7479% | 1,335 |
| Retained earnings to average equity (ytd only) | 12.7479% | 558 |
| Net charge-offs to loans | 0.0486% | 1,619 |
| Credit loss provision to net charge-offs | 202.7027% | 1,036 |
| Earnings coverage of net charge-offs (x) | 42.3514% | 1,038 |
| Efficiency ratio | 56.5567% | 4,510 |
| Assets per employee ($millions) | 5.7998% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 2,194 |
| Loan loss allowance to noncurrent loans | 290.1154% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.3341% | 3,502 |
| Noncurrent loans to loans | 0.4518% | 3,183 |
| Net loans and leases to total assets | 70.5366% | 2,388 |
| Net loans and leases to deposits | 90.3015% | 1,656 |
| Net loans and leases to core deposits | 97.6958% | 1,854 |
| Total domestic deposits to total assets | 78.1123% | 4,715 |
| Equity capital to assets | 9.1305% | 4,434 |
| Core capital (leverage) ratio | 9.1437% | 4,516 |
| Tier 1 risk-based capital ratio | 12.7675% | 4,078 |
| Total risk-based capital ratio | 14.0184% | 3,969 |
| Memoranda: | ||
| Average total assets | $425,324,500 | 1,633 |
| Average earning assets | $397,950,500 | 1,622 |
| Average equity | $38,971,000 | 1,909 |
| Average total loans | $304,740,000 | 1,583 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 3,960 |
| Cost of funding earning assets | 0.6763% | 1,155 |
| Net interest margin | 3.1502% | 4,577 |
| Noninterest income to average assets | 0.4814% | 3,118 |
| Noninterest expense to average assets | 1.9660% | 5,018 |
| Loan and lease loss provision to assets | 0.0596% | 3,043 |
| Net operating income to assets | 0.9072% | 2,673 |
| Return on assets (ROA) | 0.9043% | 2,712 |
| Pretax return on assets | 1.3876% | 2,031 |
| Return on Equity (ROE) | 9.7129% | 2,009 |
| Retained earnings to average equity (ytd only) | 4.4571% | 2,475 |
| Net charge-offs to loans | 0.0707% | 2,440 |
| Credit loss provision to net charge-offs | 117.3709% | 2,225 |
| Earnings coverage of net charge-offs (x) | 28.5962% | 1,597 |
| Efficiency ratio | 57.5244% | 4,585 |
| Assets per employee ($millions) | 5.7735% | 1,683 |
| Cash dividends to net income (ytd only)* | 54.1118% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,140 |
| Loan loss allowance to noncurrent loans | 316.8656% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 3,650 |
| Noncurrent loans to loans | 0.4152% | 3,284 |
| Net loans and leases to total assets | 70.8824% | 2,381 |
| Net loans and leases to deposits | 87.8847% | 2,033 |
| Net loans and leases to core deposits | 95.1075% | 2,109 |
| Total domestic deposits to total assets | 80.6538% | 4,207 |
| Equity capital to assets | 9.1954% | 4,532 |
| Core capital (leverage) ratio | 9.1044% | 4,517 |
| Tier 1 risk-based capital ratio | 12.8680% | 3,993 |
| Total risk-based capital ratio | 14.1190% | 3,884 |
| Memoranda: | ||
| Average total assets | $419,572,600 | 1,634 |
| Average earning assets | $391,083,600 | 1,630 |
| Average equity | $39,061,600 | 1,897 |
| Average total loans | $301,361,800 | 1,561 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 4,063 |
| Cost of funding earning assets | 0.6572% | 1,196 |
| Net interest margin | 3.1248% | 4,639 |
| Noninterest income to average assets | 0.4883% | 3,091 |
| Noninterest expense to average assets | 1.9183% | 5,112 |
| Loan and lease loss provision to assets | 0.0557% | 2,974 |
| Net operating income to assets | 1.0559% | 2,305 |
| Return on assets (ROA) | 1.0559% | 2,340 |
| Pretax return on assets | 1.4262% | 2,032 |
| Return on Equity (ROE) | 11.3066% | 1,567 |
| Retained earnings to average equity (ytd only) | 8.5404% | 992 |
| Net charge-offs to loans | 0.0589% | 2,280 |
| Credit loss provision to net charge-offs | 131.5789% | 1,876 |
| Earnings coverage of net charge-offs (x) | 35.0223% | 1,420 |
| Efficiency ratio | 56.4184% | 4,686 |
| Assets per employee ($millions) | 5.6434% | 1,788 |
| Cash dividends to net income (ytd only)* | 24.4652% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 2,323 |
| Loan loss allowance to noncurrent loans | 284.6538% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3709% | 3,547 |
| Noncurrent loans to loans | 0.4595% | 3,330 |
| Net loans and leases to total assets | 71.0940% | 2,392 |
| Net loans and leases to deposits | 90.2148% | 1,782 |
| Net loans and leases to core deposits | 97.2487% | 1,950 |
| Total domestic deposits to total assets | 78.8052% | 4,569 |
| Equity capital to assets | 9.4043% | 4,540 |
| Core capital (leverage) ratio | 9.3272% | 4,373 |
| Tier 1 risk-based capital ratio | 13.1836% | 3,888 |
| Total risk-based capital ratio | 14.4346% | 3,800 |
| Memoranda: | ||
| Average total assets | $419,100,000 | 1,647 |
| Average earning assets | $390,547,250 | 1,638 |
| Average equity | $39,138,250 | 1,909 |
| Average total loans | $301,020,750 | 1,575 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,100 |
| Cost of funding earning assets | 0.6319% | 1,251 |
| Net interest margin | 3.1092% | 4,654 |
| Noninterest income to average assets | 0.4970% | 3,046 |
| Noninterest expense to average assets | 1.9248% | 5,141 |
| Loan and lease loss provision to assets | 0.0598% | 2,766 |
| Net operating income to assets | 1.0380% | 2,258 |
| Return on assets (ROA) | 1.0380% | 2,301 |
| Pretax return on assets | 1.4124% | 1,965 |
| Return on Equity (ROE) | 11.1419% | 1,586 |
| Retained earnings to average equity (ytd only) | 6.9688% | 1,610 |
| Net charge-offs to loans | 0.0374% | 2,453 |
| Credit loss provision to net charge-offs | 223.2143% | 1,164 |
| Earnings coverage of net charge-offs (x) | 54.9107% | 1,007 |
| Efficiency ratio | 56.6596% | 4,748 |
| Assets per employee ($millions) | 5.8730% | 1,555 |
| Cash dividends to net income (ytd only)* | 37.4539% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 2,346 |
| Loan loss allowance to noncurrent loans | 235.3458% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 3,517 |
| Noncurrent loans to loans | 0.5580% | 3,065 |
| Net loans and leases to total assets | 70.3803% | 2,468 |
| Net loans and leases to deposits | 92.8023% | 1,384 |
| Net loans and leases to core deposits | 100.2109% | 1,637 |
| Total domestic deposits to total assets | 75.8390% | 5,111 |
| Equity capital to assets | 9.0322% | 4,867 |
| Core capital (leverage) ratio | 9.0993% | 4,616 |
| Tier 1 risk-based capital ratio | 12.6455% | 4,214 |
| Total risk-based capital ratio | 13.8963% | 4,129 |
| Memoranda: | ||
| Average total assets | $417,715,330 | 1,654 |
| Average earning assets | $389,614,330 | 1,644 |
| Average equity | $38,916,330 | 1,919 |
| Average total loans | $299,729,000 | 1,580 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 3,999 |
| Cost of funding earning assets | 0.6019% | 1,358 |
| Net interest margin | 3.1291% | 4,570 |
| Noninterest income to average assets | 0.5124% | 2,897 |
| Noninterest expense to average assets | 1.9175% | 5,212 |
| Loan and lease loss provision to assets | 0.0728% | 2,351 |
| Net operating income to assets | 1.0577% | 2,039 |
| Return on assets (ROA) | 1.0577% | 2,082 |
| Pretax return on assets | 1.4381% | 1,737 |
| Return on Equity (ROE) | 11.1759% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.1759% | 578 |
| Net charge-offs to loans | 0.0404% | 2,010 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 51.9000% | 876 |
| Efficiency ratio | 55.9298% | 4,944 |
| Assets per employee ($millions) | 5.6745% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,474 |
| Loan loss allowance to noncurrent loans | 282.6487% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,849 |
| Noncurrent loans to loans | 0.4645% | 3,424 |
| Net loans and leases to total assets | 71.4456% | 2,148 |
| Net loans and leases to deposits | 94.0860% | 1,097 |
| Net loans and leases to core deposits | 101.3482% | 1,416 |
| Total domestic deposits to total assets | 75.9365% | 5,236 |
| Equity capital to assets | 9.0673% | 4,742 |
| Core capital (leverage) ratio | 9.2573% | 4,403 |
| Tier 1 risk-based capital ratio | 12.6905% | 4,263 |
| Total risk-based capital ratio | 13.9416% | 4,167 |
| Memoranda: | ||
| Average total assets | $412,207,000 | 1,688 |
| Average earning assets | $384,141,000 | 1,676 |
| Average equity | $39,012,500 | 1,917 |
| Average total loans | $296,714,500 | 1,595 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7468% | 4,066 |
| Cost of funding earning assets | 0.5859% | 1,450 |
| Net interest margin | 3.1609% | 4,562 |
| Noninterest income to average assets | 0.5501% | 2,913 |
| Noninterest expense to average assets | 2.0316% | 5,131 |
| Loan and lease loss provision to assets | 0.0895% | 2,579 |
| Net operating income to assets | 1.0515% | 2,134 |
| Return on assets (ROA) | 1.0543% | 2,218 |
| Pretax return on assets | 1.3757% | 2,029 |
| Return on Equity (ROE) | 10.3623% | 1,822 |
| Retained earnings to average equity (ytd only) | 5.3496% | 2,103 |
| Net charge-offs to loans | 0.0828% | 2,505 |
| Credit loss provision to net charge-offs | 151.0638% | 1,809 |
| Earnings coverage of net charge-offs (x) | 24.6723% | 1,625 |
| Efficiency ratio | 58.1583% | 4,827 |
| Assets per employee ($millions) | 5.3933% | 1,962 |
| Cash dividends to net income (ytd only)* | 48.3740% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 2,249 |
| Loan loss allowance to noncurrent loans | 280.0568% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 3,889 |
| Noncurrent loans to loans | 0.4868% | 3,411 |
| Net loans and leases to total assets | 70.5765% | 2,396 |
| Net loans and leases to deposits | 87.1355% | 2,032 |
| Net loans and leases to core deposits | 97.1381% | 1,825 |
| Total domestic deposits to total assets | 80.9963% | 4,334 |
| Equity capital to assets | 9.8764% | 3,849 |
| Core capital (leverage) ratio | 9.8955% | 3,631 |
| Tier 1 risk-based capital ratio | 13.9794% | 3,477 |
| Total risk-based capital ratio | 15.2308% | 3,389 |
| Memoranda: | ||
| Average total assets | $396,676,000 | 1,699 |
| Average earning assets | $369,353,200 | 1,690 |
| Average equity | $40,357,800 | 1,838 |
| Average total loans | $283,964,000 | 1,601 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7453% | 4,099 |
| Cost of funding earning assets | 0.5858% | 1,444 |
| Net interest margin | 3.1596% | 4,606 |
| Noninterest income to average assets | 0.5658% | 2,844 |
| Noninterest expense to average assets | 1.9689% | 5,271 |
| Loan and lease loss provision to assets | 0.0929% | 2,368 |
| Net operating income to assets | 1.0888% | 2,049 |
| Return on assets (ROA) | 1.0924% | 2,133 |
| Pretax return on assets | 1.4474% | 1,888 |
| Return on Equity (ROE) | 10.6572% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.8891% | 1,220 |
| Net charge-offs to loans | 0.0972% | 1,976 |
| Credit loss provision to net charge-offs | 133.4951% | 1,941 |
| Earnings coverage of net charge-offs (x) | 22.0679% | 1,783 |
| Efficiency ratio | 56.1831% | 5,049 |
| Assets per employee ($millions) | 5.4192% | 1,938 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3680% | 2,349 |
| Loan loss allowance to noncurrent loans | 341.9666% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 4,302 |
| Noncurrent loans to loans | 0.4000% | 3,841 |
| Net loans and leases to total assets | 68.1870% | 2,773 |
| Net loans and leases to deposits | 86.3895% | 2,222 |
| Net loans and leases to core deposits | 93.4652% | 2,236 |
| Total domestic deposits to total assets | 78.9297% | 4,737 |
| Equity capital to assets | 10.0284% | 4,104 |
| Core capital (leverage) ratio | 10.2236% | 3,310 |
| Tier 1 risk-based capital ratio | 14.3686% | 3,352 |
| Total risk-based capital ratio | 15.6203% | 3,283 |
| Memoranda: | ||
| Average total assets | $394,720,000 | 1,709 |
| Average earning assets | $367,131,000 | 1,699 |
| Average equity | $40,459,750 | 1,841 |
| Average total loans | $282,598,000 | 1,605 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 3,977 |
| Cost of funding earning assets | 0.5852% | 1,431 |
| Net interest margin | 3.2075% | 4,518 |
| Noninterest income to average assets | 0.5594% | 2,855 |
| Noninterest expense to average assets | 1.9871% | 5,298 |
| Loan and lease loss provision to assets | 0.0900% | 2,348 |
| Net operating income to assets | 1.1100% | 1,922 |
| Return on assets (ROA) | 1.1100% | 2,042 |
| Pretax return on assets | 1.4637% | 1,796 |
| Return on Equity (ROE) | 10.7470% | 1,740 |
| Retained earnings to average equity (ytd only) | 6.5657% | 1,837 |
| Net charge-offs to loans | 0.0156% | 3,212 |
| Credit loss provision to net charge-offs | 795.4545% | 451 |
| Earnings coverage of net charge-offs (x) | 137.3636% | 436 |
| Efficiency ratio | 56.1202% | 5,135 |
| Assets per employee ($millions) | 5.5811% | 1,716 |
| Cash dividends to net income (ytd only)* | 38.9069% | 2,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4040% | 2,283 |
| Loan loss allowance to noncurrent loans | 363.7112% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 4,347 |
| Noncurrent loans to loans | 0.3860% | 3,975 |
| Net loans and leases to total assets | 70.5152% | 2,399 |
| Net loans and leases to deposits | 90.7158% | 1,666 |
| Net loans and leases to core deposits | 99.3455% | 1,684 |
| Total domestic deposits to total assets | 77.7319% | 5,050 |
| Equity capital to assets | 10.3158% | 3,838 |
| Core capital (leverage) ratio | 10.3605% | 3,123 |
| Tier 1 risk-based capital ratio | 14.3259% | 3,420 |
| Total risk-based capital ratio | 15.5779% | 3,341 |
| Memoranda: | ||
| Average total assets | $389,006,670 | 1,730 |
| Average earning assets | $361,586,000 | 1,722 |
| Average equity | $40,178,670 | 1,848 |
| Average total loans | $281,887,330 | 1,609 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8313% | 3,835 |
| Cost of funding earning assets | 0.5912% | 1,395 |
| Net interest margin | 3.2402% | 4,432 |
| Noninterest income to average assets | 0.5304% | 2,932 |
| Noninterest expense to average assets | 2.0053% | 5,320 |
| Loan and lease loss provision to assets | 0.0778% | 2,405 |
| Net operating income to assets | 1.0857% | 1,962 |
| Return on assets (ROA) | 1.0857% | 2,060 |
| Pretax return on assets | 1.4624% | 1,710 |
| Return on Equity (ROE) | 10.5048% | 1,779 |
| Retained earnings to average equity (ytd only) | 10.5048% | 741 |
| Net charge-offs to loans | 0.0384% | 2,226 |
| Credit loss provision to net charge-offs | 277.7778% | 893 |
| Earnings coverage of net charge-offs (x) | 54.9630% | 825 |
| Efficiency ratio | 56.5574% | 5,142 |
| Assets per employee ($millions) | 5.2061% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 2,527 |
| Loan loss allowance to noncurrent loans | 334.5423% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3006% | 4,370 |
| Noncurrent loans to loans | 0.4118% | 3,957 |
| Net loans and leases to total assets | 71.9912% | 2,042 |
| Net loans and leases to deposits | 92.7880% | 1,254 |
| Net loans and leases to core deposits | 101.9216% | 1,346 |
| Total domestic deposits to total assets | 77.5867% | 5,205 |
| Equity capital to assets | 10.4858% | 3,515 |
| Core capital (leverage) ratio | 10.2826% | 3,221 |
| Tier 1 risk-based capital ratio | 14.2587% | 3,527 |
| Total risk-based capital ratio | 15.5105% | 3,448 |
| Memoranda: | ||
| Average total assets | $385,381,000 | 1,738 |
| Average earning assets | $358,621,500 | 1,731 |
| Average equity | $39,829,500 | 1,859 |
| Average total loans | $281,130,500 | 1,612 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8232% | 3,972 |
| Cost of funding earning assets | 0.5747% | 1,556 |
| Net interest margin | 3.2486% | 4,476 |
| Noninterest income to average assets | 0.5623% | 2,951 |
| Noninterest expense to average assets | 2.0495% | 5,355 |
| Loan and lease loss provision to assets | 0.1503% | 1,569 |
| Net operating income to assets | 1.0732% | 2,031 |
| Return on assets (ROA) | 1.0761% | 2,093 |
| Pretax return on assets | 1.3794% | 1,979 |
| Return on Equity (ROE) | 10.5993% | 1,754 |
| Retained earnings to average equity (ytd only) | 5.5906% | 2,022 |
| Net charge-offs to loans | 0.0782% | 2,700 |
| Credit loss provision to net charge-offs | 272.7273% | 1,063 |
| Earnings coverage of net charge-offs (x) | 27.6842% | 1,540 |
| Efficiency ratio | 57.3209% | 5,221 |
| Assets per employee ($millions) | 5.2809% | 2,024 |
| Cash dividends to net income (ytd only)* | 47.2549% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,608 |
| Loan loss allowance to noncurrent loans | 288.5370% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 4,209 |
| Noncurrent loans to loans | 0.4718% | 3,777 |
| Net loans and leases to total assets | 71.9082% | 2,071 |
| Net loans and leases to deposits | 95.2838% | 1,088 |
| Net loans and leases to core deposits | 104.5133% | 1,195 |
| Total domestic deposits to total assets | 75.4674% | 5,497 |
| Equity capital to assets | 10.1845% | 3,767 |
| Core capital (leverage) ratio | 10.1197% | 3,367 |
| Tier 1 risk-based capital ratio | 14.0268% | 3,700 |
| Total risk-based capital ratio | 15.2782% | 3,626 |
| Memoranda: | ||
| Average total assets | $379,157,400 | 1,732 |
| Average earning assets | $351,691,600 | 1,717 |
| Average equity | $38,493,000 | 1,867 |
| Average total loans | $267,388,600 | 1,635 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,066 |
| Cost of funding earning assets | 0.5760% | 1,576 |
| Net interest margin | 3.2314% | 4,572 |
| Noninterest income to average assets | 0.5597% | 2,986 |
| Noninterest expense to average assets | 2.0100% | 5,462 |
| Loan and lease loss provision to assets | 0.1254% | 1,804 |
| Net operating income to assets | 1.0726% | 2,122 |
| Return on assets (ROA) | 1.0763% | 2,197 |
| Pretax return on assets | 1.4227% | 1,924 |
| Return on Equity (ROE) | 10.6105% | 1,856 |
| Retained earnings to average equity (ytd only) | 7.8534% | 1,301 |
| Net charge-offs to loans | 0.0758% | 2,480 |
| Credit loss provision to net charge-offs | 236.6667% | 1,184 |
| Earnings coverage of net charge-offs (x) | 29.1326% | 1,532 |
| Efficiency ratio | 56.5693% | 5,278 |
| Assets per employee ($millions) | 5.0503% | 2,244 |
| Cash dividends to net income (ytd only)* | 25.9842% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,802 |
| Loan loss allowance to noncurrent loans | 273.6764% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 4,356 |
| Noncurrent loans to loans | 0.4961% | 3,858 |
| Net loans and leases to total assets | 70.3938% | 2,335 |
| Net loans and leases to deposits | 90.3124% | 1,600 |
| Net loans and leases to core deposits | 97.9102% | 1,702 |
| Total domestic deposits to total assets | 77.9448% | 5,194 |
| Equity capital to assets | 10.3999% | 3,708 |
| Core capital (leverage) ratio | 10.2889% | 3,266 |
| Tier 1 risk-based capital ratio | 14.6493% | 3,468 |
| Total risk-based capital ratio | 15.9010% | 3,405 |
| Memoranda: | ||
| Average total assets | $377,569,750 | 1,751 |
| Average earning assets | $349,763,250 | 1,740 |
| Average equity | $38,300,750 | 1,889 |
| Average total loans | $263,976,250 | 1,661 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,102 |
| Cost of funding earning assets | 0.5796% | 1,566 |
| Net interest margin | 3.2099% | 4,630 |
| Noninterest income to average assets | 0.5547% | 3,011 |
| Noninterest expense to average assets | 2.0012% | 5,528 |
| Loan and lease loss provision to assets | 0.1220% | 1,809 |
| Net operating income to assets | 1.0681% | 2,065 |
| Return on assets (ROA) | 1.0738% | 2,143 |
| Pretax return on assets | 1.4137% | 1,918 |
| Return on Equity (ROE) | 10.6756% | 1,788 |
| Retained earnings to average equity (ytd only) | 6.5003% | 1,944 |
| Net charge-offs to loans | 0.0351% | 2,969 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 62.6522% | 818 |
| Efficiency ratio | 56.7007% | 5,364 |
| Assets per employee ($millions) | 5.2187% | 2,022 |
| Cash dividends to net income (ytd only)* | 39.1111% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,985 |
| Loan loss allowance to noncurrent loans | 284.8556% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 4,532 |
| Noncurrent loans to loans | 0.4742% | 4,054 |
| Net loans and leases to total assets | 69.9583% | 2,319 |
| Net loans and leases to deposits | 93.1145% | 1,240 |
| Net loans and leases to core deposits | 101.0139% | 1,403 |
| Total domestic deposits to total assets | 75.1315% | 5,693 |
| Equity capital to assets | 10.0193% | 4,016 |
| Core capital (leverage) ratio | 10.0648% | 3,509 |
| Tier 1 risk-based capital ratio | 14.2740% | 3,775 |
| Total risk-based capital ratio | 15.5254% | 3,704 |
| Memoranda: | ||
| Average total assets | $377,169,000 | 1,763 |
| Average earning assets | $349,544,000 | 1,751 |
| Average equity | $37,937,000 | 1,914 |
| Average total loans | $261,867,670 | 1,673 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 3,965 |
| Cost of funding earning assets | 0.5865% | 1,528 |
| Net interest margin | 3.2244% | 4,502 |
| Noninterest income to average assets | 0.5564% | 2,914 |
| Noninterest expense to average assets | 2.0252% | 5,532 |
| Loan and lease loss provision to assets | 0.1226% | 1,696 |
| Net operating income to assets | 1.0588% | 2,002 |
| Return on assets (ROA) | 1.0702% | 2,094 |
| Pretax return on assets | 1.4123% | 1,849 |
| Return on Equity (ROE) | 10.6186% | 1,761 |
| Retained earnings to average equity (ytd only) | 10.6186% | 790 |
| Net charge-offs to loans | 0.0124% | 2,939 |
| Credit loss provision to net charge-offs | 1,437.5000% | 263 |
| Earnings coverage of net charge-offs (x) | 178.2500% | 313 |
| Efficiency ratio | 57.1257% | 5,428 |
| Assets per employee ($millions) | 4.9969% | 2,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 3,043 |
| Loan loss allowance to noncurrent loans | 241.0256% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 4,445 |
| Noncurrent loans to loans | 0.5700% | 3,876 |
| Net loans and leases to total assets | 68.4282% | 2,377 |
| Net loans and leases to deposits | 92.2743% | 1,153 |
| Net loans and leases to core deposits | 99.4968% | 1,354 |
| Total domestic deposits to total assets | 74.1574% | 5,890 |
| Equity capital to assets | 10.2398% | 3,842 |
| Core capital (leverage) ratio | 10.0949% | 3,483 |
| Tier 1 risk-based capital ratio | 14.6208% | 3,645 |
| Total risk-based capital ratio | 15.8724% | 3,573 |
| Memoranda: | ||
| Average total assets | $375,271,500 | 1,781 |
| Average earning assets | $347,847,000 | 1,769 |
| Average equity | $37,820,500 | 1,931 |
| Average total loans | $257,719,000 | 1,697 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 4,475 |
| Cost of funding earning assets | 0.6481% | 1,418 |
| Net interest margin | 3.1568% | 5,051 |
| Noninterest income to average assets | 0.5624% | 3,107 |
| Noninterest expense to average assets | 2.0852% | 5,609 |
| Loan and lease loss provision to assets | 0.0146% | 4,316 |
| Net operating income to assets | 1.0790% | 2,058 |
| Return on assets (ROA) | 1.0790% | 2,113 |
| Pretax return on assets | 1.3786% | 1,963 |
| Return on Equity (ROE) | 10.7592% | 1,802 |
| Retained earnings to average equity (ytd only) | 5.6883% | 2,139 |
| Net charge-offs to loans | 0.0112% | 4,681 |
| Credit loss provision to net charge-offs | 196.2963% | 1,258 |
| Earnings coverage of net charge-offs (x) | 186.7037% | 285 |
| Efficiency ratio | 59.9476% | 5,235 |
| Assets per employee ($millions) | 5.2191% | 2,051 |
| Cash dividends to net income (ytd only)* | 47.1311% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 3,148 |
| Loan loss allowance to noncurrent loans | 262.8983% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 4,652 |
| Noncurrent loans to loans | 0.5160% | 4,119 |
| Net loans and leases to total assets | 67.0492% | 2,719 |
| Net loans and leases to deposits | 86.0411% | 1,981 |
| Net loans and leases to core deposits | 92.2507% | 2,060 |
| Total domestic deposits to total assets | 77.9269% | 5,450 |
| Equity capital to assets | 9.9170% | 4,217 |
| Core capital (leverage) ratio | 9.7780% | 3,866 |
| Tier 1 risk-based capital ratio | 14.3551% | 3,859 |
| Total risk-based capital ratio | 15.6064% | 3,798 |
| Memoranda: | ||
| Average total assets | $361,829,000 | 1,800 |
| Average earning assets | $334,232,400 | 1,796 |
| Average equity | $36,285,200 | 1,937 |
| Average total loans | $241,001,800 | 1,754 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8113% | 4,500 |
| Cost of funding earning assets | 0.6534% | 1,438 |
| Net interest margin | 3.1580% | 5,095 |
| Noninterest income to average assets | 0.5704% | 3,065 |
| Noninterest expense to average assets | 2.0873% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0924% | 2,062 |
| Return on assets (ROA) | 1.0924% | 2,128 |
| Pretax return on assets | 1.3983% | 2,012 |
| Return on Equity (ROE) | 10.8617% | 1,854 |
| Retained earnings to average equity (ytd only) | 7.9687% | 1,377 |
| Net charge-offs to loans | 0.0056% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 375.8845% | 194 |
| Efficiency ratio | 59.8847% | 5,194 |
| Assets per employee ($millions) | 4.8387% | 2,462 |
| Cash dividends to net income (ytd only)* | 26.6349% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 3,253 |
| Loan loss allowance to noncurrent loans | 753.6264% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 5,646 |
| Noncurrent loans to loans | 0.1836% | 5,363 |
| Net loans and leases to total assets | 65.5812% | 2,941 |
| Net loans and leases to deposits | 85.1230% | 2,018 |
| Net loans and leases to core deposits | 91.4187% | 2,078 |
| Total domestic deposits to total assets | 77.0428% | 5,670 |
| Equity capital to assets | 10.0260% | 4,133 |
| Core capital (leverage) ratio | 10.0865% | 3,548 |
| Tier 1 risk-based capital ratio | 14.6961% | 3,759 |
| Total risk-based capital ratio | 15.9476% | 3,699 |
| Memoranda: | ||
| Average total assets | $358,341,750 | 1,832 |
| Average earning assets | $330,796,750 | 1,827 |
| Average equity | $36,040,000 | 1,955 |
| Average total loans | $237,397,000 | 1,784 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8229% | 4,439 |
| Cost of funding earning assets | 0.6583% | 1,448 |
| Net interest margin | 3.1646% | 5,057 |
| Noninterest income to average assets | 0.5481% | 3,142 |
| Noninterest expense to average assets | 2.0696% | 5,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0990% | 1,946 |
| Return on assets (ROA) | 1.0990% | 2,012 |
| Pretax return on assets | 1.3988% | 1,892 |
| Return on Equity (ROE) | 10.9152% | 1,766 |
| Retained earnings to average equity (ytd only) | 6.5222% | 2,022 |
| Net charge-offs to loans | -0.0026% | 5,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6706% | 5,338 |
| Assets per employee ($millions) | 4.8977% | 2,345 |
| Cash dividends to net income (ytd only)* | 40.2470% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 3,345 |
| Loan loss allowance to noncurrent loans | 1,075.6250% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.1123% | 5,823 |
| Noncurrent loans to loans | 0.1303% | 5,617 |
| Net loans and leases to total assets | 66.8248% | 2,613 |
| Net loans and leases to deposits | 90.2486% | 1,348 |
| Net loans and leases to core deposits | 97.0290% | 1,521 |
| Total domestic deposits to total assets | 74.0452% | 6,109 |
| Equity capital to assets | 10.0055% | 4,096 |
| Core capital (leverage) ratio | 10.0428% | 3,549 |
| Tier 1 risk-based capital ratio | 14.4539% | 3,958 |
| Total risk-based capital ratio | 15.7056% | 3,897 |
| Memoranda: | ||
| Average total assets | $353,595,330 | 1,857 |
| Average earning assets | $326,296,330 | 1,843 |
| Average equity | $35,601,670 | 1,964 |
| Average total loans | $233,938,670 | 1,799 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,447 |
| Cost of funding earning assets | 0.6567% | 1,543 |
| Net interest margin | 3.1531% | 5,078 |
| Noninterest income to average assets | 0.5327% | 3,175 |
| Noninterest expense to average assets | 2.0689% | 5,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0585% | 1,970 |
| Return on assets (ROA) | 1.0585% | 2,045 |
| Pretax return on assets | 1.3735% | 1,840 |
| Return on Equity (ROE) | 10.4789% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.4789% | 848 |
| Net charge-offs to loans | -0.0053% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0998% | 5,395 |
| Assets per employee ($millions) | 4.6852% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 3,208 |
| Loan loss allowance to noncurrent loans | 1,260.8059% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 5,983 |
| Noncurrent loans to loans | 0.1177% | 5,769 |
| Net loans and leases to total assets | 65.0176% | 2,725 |
| Net loans and leases to deposits | 85.9039% | 1,614 |
| Net loans and leases to core deposits | 90.5866% | 1,865 |
| Total domestic deposits to total assets | 75.6864% | 6,102 |
| Equity capital to assets | 10.2095% | 3,586 |
| Core capital (leverage) ratio | 10.3138% | 3,159 |
| Tier 1 risk-based capital ratio | 15.0011% | 3,712 |
| Total risk-based capital ratio | 16.2535% | 3,657 |
| Memoranda: | ||
| Average total assets | $349,178,000 | 1,878 |
| Average earning assets | $322,225,000 | 1,872 |
| Average equity | $35,271,000 | 1,973 |
| Average total loans | $228,090,500 | 1,837 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9671% | 4,210 |
| Cost of funding earning assets | 0.7320% | 1,615 |
| Net interest margin | 3.2351% | 4,872 |
| Noninterest income to average assets | 0.6456% | 2,830 |
| Noninterest expense to average assets | 2.1616% | 5,708 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1318% | 1,825 |
| Return on assets (ROA) | 1.1318% | 1,890 |
| Pretax return on assets | 1.4673% | 1,559 |
| Return on Equity (ROE) | 10.9480% | 1,782 |
| Retained earnings to average equity (ytd only) | 2.9621% | 4,135 |
| Net charge-offs to loans | 0.0009% | 5,464 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2,475.0000% | 12 |
| Efficiency ratio | 59.5654% | 5,530 |
| Assets per employee ($millions) | 4.6888% | 2,606 |
| Cash dividends to net income (ytd only)* | 72.9439% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5334% | 3,040 |
| Loan loss allowance to noncurrent loans | 750.8734% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1421% | 5,895 |
| Noncurrent loans to loans | 0.2042% | 5,577 |
| Net loans and leases to total assets | 63.6474% | 3,107 |
| Net loans and leases to deposits | 83.1079% | 2,043 |
| Net loans and leases to core deposits | 86.3882% | 2,403 |
| Total domestic deposits to total assets | 76.5840% | 6,042 |
| Equity capital to assets | 9.9914% | 3,787 |
| Core capital (leverage) ratio | 10.1748% | 3,330 |
| Tier 1 risk-based capital ratio | 14.8425% | 3,755 |
| Total risk-based capital ratio | 16.0954% | 3,704 |
| Memoranda: | ||
| Average total assets | $337,346,200 | 1,903 |
| Average earning assets | $311,084,600 | 1,906 |
| Average equity | $34,873,800 | 1,977 |
| Average total loans | $219,122,600 | 1,869 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9840% | 4,195 |
| Cost of funding earning assets | 0.7489% | 1,613 |
| Net interest margin | 3.2351% | 4,877 |
| Noninterest income to average assets | 0.6612% | 2,818 |
| Noninterest expense to average assets | 2.1472% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1659% | 1,754 |
| Return on assets (ROA) | 1.1659% | 1,827 |
| Pretax return on assets | 1.4975% | 1,615 |
| Return on Equity (ROE) | 11.1816% | 1,759 |
| Retained earnings to average equity (ytd only) | 4.4436% | 3,507 |
| Net charge-offs to loans | -0.0024% | 5,701 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9122% | 5,569 |
| Assets per employee ($millions) | 4.4320% | 2,989 |
| Cash dividends to net income (ytd only)* | 60.2593% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,206 |
| Loan loss allowance to noncurrent loans | 786.5297% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 6,028 |
| Noncurrent loans to loans | 0.1978% | 5,744 |
| Net loans and leases to total assets | 64.7262% | 2,865 |
| Net loans and leases to deposits | 82.8611% | 2,019 |
| Net loans and leases to core deposits | 85.0163% | 2,540 |
| Total domestic deposits to total assets | 78.1141% | 5,883 |
| Equity capital to assets | 10.3846% | 3,409 |
| Core capital (leverage) ratio | 10.4956% | 3,004 |
| Tier 1 risk-based capital ratio | 15.2205% | 3,608 |
| Total risk-based capital ratio | 16.4736% | 3,565 |
| Memoranda: | ||
| Average total assets | $334,940,750 | 1,927 |
| Average earning assets | $308,897,250 | 1,931 |
| Average equity | $34,925,500 | 1,988 |
| Average total loans | $217,834,500 | 1,877 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0180% | 4,037 |
| Cost of funding earning assets | 0.7639% | 1,626 |
| Net interest margin | 3.2540% | 4,757 |
| Noninterest income to average assets | 0.6664% | 2,814 |
| Noninterest expense to average assets | 2.1567% | 5,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1929% | 1,607 |
| Return on assets (ROA) | 1.1929% | 1,720 |
| Pretax return on assets | 1.5142% | 1,576 |
| Return on Equity (ROE) | 11.4244% | 1,670 |
| Retained earnings to average equity (ytd only) | 1.3178% | 5,363 |
| Net charge-offs to loans | -0.0092% | 5,752 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7516% | 5,633 |
| Assets per employee ($millions) | 4.4112% | 2,962 |
| Cash dividends to net income (ytd only)* | 88.4654% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,210 |
| Loan loss allowance to noncurrent loans | 839.6594% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 6,081 |
| Noncurrent loans to loans | 0.1887% | 5,845 |
| Net loans and leases to total assets | 64.7959% | 2,794 |
| Net loans and leases to deposits | 83.0116% | 1,924 |
| Net loans and leases to core deposits | 84.7808% | 2,455 |
| Total domestic deposits to total assets | 78.0564% | 5,968 |
| Equity capital to assets | 10.2987% | 3,547 |
| Core capital (leverage) ratio | 10.2143% | 3,207 |
| Tier 1 risk-based capital ratio | 15.0695% | 3,736 |
| Total risk-based capital ratio | 16.3229% | 3,697 |
| Memoranda: | ||
| Average total assets | $334,309,670 | 1,938 |
| Average earning assets | $308,664,670 | 1,941 |
| Average equity | $34,907,670 | 1,993 |
| Average total loans | $216,624,330 | 1,887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 4,120 |
| Cost of funding earning assets | 0.7759% | 1,671 |
| Net interest margin | 3.2234% | 4,833 |
| Noninterest income to average assets | 0.6475% | 2,890 |
| Noninterest expense to average assets | 2.1521% | 5,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1415% | 1,714 |
| Return on assets (ROA) | 1.1415% | 1,826 |
| Pretax return on assets | 1.4772% | 1,624 |
| Return on Equity (ROE) | 10.8590% | 1,750 |
| Retained earnings to average equity (ytd only) | 10.8590% | 905 |
| Net charge-offs to loans | -0.0389% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2981% | 5,684 |
| Assets per employee ($millions) | 4.4451% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 3,435 |
| Loan loss allowance to noncurrent loans | 598.9619% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 6,020 |
| Noncurrent loans to loans | 0.2656% | 5,745 |
| Net loans and leases to total assets | 64.2304% | 2,662 |
| Net loans and leases to deposits | 82.4962% | 1,764 |
| Net loans and leases to core deposits | 84.2446% | 2,293 |
| Total domestic deposits to total assets | 77.8587% | 6,130 |
| Equity capital to assets | 10.7232% | 3,292 |
| Core capital (leverage) ratio | 10.4512% | 2,845 |
| Tier 1 risk-based capital ratio | 15.4575% | 3,551 |
| Total risk-based capital ratio | 16.7108% | 3,509 |
| Memoranda: | ||
| Average total assets | $336,045,000 | 1,953 |
| Average earning assets | $310,847,500 | 1,953 |
| Average equity | $35,325,500 | 1,998 |
| Average total loans | $216,026,000 | 1,903 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 4,414 |
| Cost of funding earning assets | 0.9384% | 1,717 |
| Net interest margin | 3.3073% | 5,222 |
| Noninterest income to average assets | 0.6735% | 2,864 |
| Noninterest expense to average assets | 2.1415% | 6,044 |
| Loan and lease loss provision to assets | 0.1596% | 3,619 |
| Net operating income to assets | 1.0960% | 1,949 |
| Return on assets (ROA) | 1.0964% | 2,131 |
| Pretax return on assets | 1.4218% | 1,959 |
| Return on Equity (ROE) | 10.5030% | 1,968 |
| Retained earnings to average equity (ytd only) | 5.4437% | 2,421 |
| Net charge-offs to loans | 0.0705% | 4,973 |
| Credit loss provision to net charge-offs | 357.1429% | 683 |
| Earnings coverage of net charge-offs (x) | 35.3673% | 890 |
| Efficiency ratio | 57.5314% | 5,894 |
| Assets per employee ($millions) | 4.3988% | 3,149 |
| Cash dividends to net income (ytd only)* | 48.1697% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6045% | 3,291 |
| Loan loss allowance to noncurrent loans | 677.3622% | 629 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 6,156 |
| Noncurrent loans to loans | 0.2369% | 5,888 |
| Net loans and leases to total assets | 62.3004% | 3,208 |
| Net loans and leases to deposits | 78.5019% | 2,465 |
| Net loans and leases to core deposits | 80.0951% | 2,992 |
| Total domestic deposits to total assets | 79.3616% | 5,812 |
| Equity capital to assets | 10.3044% | 3,752 |
| Core capital (leverage) ratio | 10.1508% | 3,194 |
| Tier 1 risk-based capital ratio | 14.3770% | 4,110 |
| Total risk-based capital ratio | 15.6296% | 4,065 |
| Memoranda: | ||
| Average total assets | $328,888,400 | 1,962 |
| Average earning assets | $303,174,400 | 1,952 |
| Average equity | $34,333,200 | 2,017 |
| Average total loans | $208,524,000 | 1,934 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 4,467 |
| Cost of funding earning assets | 0.9758% | 1,704 |
| Net interest margin | 3.3201% | 5,309 |
| Noninterest income to average assets | 0.6613% | 2,925 |
| Noninterest expense to average assets | 2.1084% | 6,143 |
| Loan and lease loss provision to assets | 0.0408% | 5,265 |
| Net operating income to assets | 1.1949% | 1,764 |
| Return on assets (ROA) | 1.1955% | 1,935 |
| Pretax return on assets | 1.5688% | 1,675 |
| Return on Equity (ROE) | 11.4140% | 1,817 |
| Retained earnings to average equity (ytd only) | 8.4348% | 1,429 |
| Net charge-offs to loans | 0.0547% | 4,885 |
| Credit loss provision to net charge-offs | 117.6471% | 2,466 |
| Earnings coverage of net charge-offs (x) | 46.3414% | 792 |
| Efficiency ratio | 56.7190% | 5,960 |
| Assets per employee ($millions) | 4.5276% | 2,865 |
| Cash dividends to net income (ytd only)* | 26.1018% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4755% | 4,048 |
| Loan loss allowance to noncurrent loans | 465.6581% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.2296% | 6,128 |
| Noncurrent loans to loans | 0.3169% | 5,844 |
| Net loans and leases to total assets | 62.1844% | 3,348 |
| Net loans and leases to deposits | 80.7653% | 2,277 |
| Net loans and leases to core deposits | 83.0287% | 2,819 |
| Total domestic deposits to total assets | 76.9939% | 6,232 |
| Equity capital to assets | 10.6772% | 3,631 |
| Core capital (leverage) ratio | 10.5946% | 2,804 |
| Tier 1 risk-based capital ratio | 15.1803% | 3,722 |
| Total risk-based capital ratio | 16.4315% | 3,668 |
| Memoranda: | ||
| Average total assets | $326,433,250 | 1,993 |
| Average earning assets | $300,462,250 | 1,985 |
| Average equity | $34,191,000 | 2,041 |
| Average total loans | $207,040,500 | 1,967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3462% | 4,390 |
| Cost of funding earning assets | 1.0232% | 1,626 |
| Net interest margin | 3.3230% | 5,381 |
| Noninterest income to average assets | 0.6540% | 2,932 |
| Noninterest expense to average assets | 2.1109% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1970% | 1,729 |
| Return on assets (ROA) | 1.1979% | 1,923 |
| Pretax return on assets | 1.6015% | 1,541 |
| Return on Equity (ROE) | 11.5123% | 1,824 |
| Retained earnings to average equity (ytd only) | 6.9949% | 2,106 |
| Net charge-offs to loans | 0.0542% | 4,650 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 46.4464% | 776 |
| Efficiency ratio | 56.8800% | 6,018 |
| Assets per employee ($millions) | 4.3035% | 3,258 |
| Cash dividends to net income (ytd only)* | 39.2399% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 4,280 |
| Loan loss allowance to noncurrent loans | 830.6630% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 6,431 |
| Noncurrent loans to loans | 0.1736% | 6,238 |
| Net loans and leases to total assets | 63.6929% | 3,105 |
| Net loans and leases to deposits | 83.6979% | 1,898 |
| Net loans and leases to core deposits | 86.3044% | 2,391 |
| Total domestic deposits to total assets | 76.0986% | 6,444 |
| Equity capital to assets | 10.6230% | 3,543 |
| Core capital (leverage) ratio | 10.3406% | 2,998 |
| Tier 1 risk-based capital ratio | 14.8950% | 3,834 |
| Total risk-based capital ratio | 16.1463% | 3,786 |
| Memoranda: | ||
| Average total assets | $325,072,000 | 1,994 |
| Average earning assets | $299,065,670 | 1,988 |
| Average equity | $33,824,670 | 2,049 |
| Average total loans | $206,518,000 | 1,970 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 4,492 |
| Cost of funding earning assets | 1.0584% | 1,629 |
| Net interest margin | 3.2977% | 5,490 |
| Noninterest income to average assets | 0.6143% | 3,141 |
| Noninterest expense to average assets | 2.1531% | 6,149 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1629% | 1,848 |
| Return on assets (ROA) | 1.1648% | 2,021 |
| Pretax return on assets | 1.4971% | 1,874 |
| Return on Equity (ROE) | 11.3117% | 1,902 |
| Retained earnings to average equity (ytd only) | 11.3117% | 961 |
| Net charge-offs to loans | 0.1032% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,106 |
| Efficiency ratio | 59.0252% | 5,769 |
| Assets per employee ($millions) | 4.4132% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 4,367 |
| Loan loss allowance to noncurrent loans | 741.3793% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 6,334 |
| Noncurrent loans to loans | 0.1957% | 6,291 |
| Net loans and leases to total assets | 63.4512% | 2,960 |
| Net loans and leases to deposits | 82.7100% | 1,832 |
| Net loans and leases to core deposits | 85.3615% | 2,365 |
| Total domestic deposits to total assets | 76.7153% | 6,450 |
| Equity capital to assets | 10.5518% | 3,425 |
| Core capital (leverage) ratio | 10.2707% | 3,035 |
| Tier 1 risk-based capital ratio | 14.8066% | 3,886 |
| Total risk-based capital ratio | 16.0580% | 3,849 |
| Memoranda: | ||
| Average total assets | $326,226,500 | 1,995 |
| Average earning assets | $300,089,000 | 1,982 |
| Average equity | $33,593,500 | 2,063 |
| Average total loans | $205,485,000 | 1,976 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 4,595 |
| Cost of funding earning assets | 1.1852% | 2,129 |
| Net interest margin | 3.4332% | 5,388 |
| Noninterest income to average assets | 0.6407% | 2,943 |
| Noninterest expense to average assets | 2.1401% | 6,406 |
| Loan and lease loss provision to assets | 0.2676% | 3,536 |
| Net operating income to assets | 1.0963% | 1,848 |
| Return on assets (ROA) | 1.1063% | 1,923 |
| Pretax return on assets | 1.4044% | 1,776 |
| Return on Equity (ROE) | 10.7881% | 1,770 |
| Retained earnings to average equity (ytd only) | 5.6274% | 2,228 |
| Net charge-offs to loans | 0.0809% | 5,512 |
| Credit loss provision to net charge-offs | 527.9503% | 434 |
| Earnings coverage of net charge-offs (x) | 32.7391% | 786 |
| Efficiency ratio | 56.3261% | 6,276 |
| Assets per employee ($millions) | 4.5245% | 2,870 |
| Cash dividends to net income (ytd only)* | 47.8372% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5048% | 3,997 |
| Loan loss allowance to noncurrent loans | 372.1750% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 6,111 |
| Noncurrent loans to loans | 0.4043% | 5,904 |
| Net loans and leases to total assets | 60.6984% | 3,847 |
| Net loans and leases to deposits | 78.0740% | 2,833 |
| Net loans and leases to core deposits | 80.7703% | 3,350 |
| Total domestic deposits to total assets | 77.7446% | 6,242 |
| Equity capital to assets | 10.0497% | 4,109 |
| Core capital (leverage) ratio | 9.7974% | 3,610 |
| Tier 1 risk-based capital ratio | 14.4444% | 4,010 |
| Total risk-based capital ratio | 15.6957% | 3,984 |
| Memoranda: | ||
| Average total assets | $317,642,000 | 2,021 |
| Average earning assets | $292,260,000 | 2,004 |
| Average equity | $32,572,800 | 2,045 |
| Average total loans | $199,005,600 | 2,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6827% | 4,539 |
| Cost of funding earning assets | 1.2043% | 2,294 |
| Net interest margin | 3.4784% | 5,281 |
| Noninterest income to average assets | 0.6254% | 3,022 |
| Noninterest expense to average assets | 2.1678% | 6,350 |
| Loan and lease loss provision to assets | 0.0848% | 5,387 |
| Net operating income to assets | 1.2229% | 1,593 |
| Return on assets (ROA) | 1.2248% | 1,695 |
| Pretax return on assets | 1.5776% | 1,444 |
| Return on Equity (ROE) | 11.8821% | 1,579 |
| Retained earnings to average equity (ytd only) | 8.8098% | 1,211 |
| Net charge-offs to loans | 0.0883% | 5,090 |
| Credit loss provision to net charge-offs | 152.6718% | 2,038 |
| Earnings coverage of net charge-offs (x) | 29.8859% | 938 |
| Efficiency ratio | 56.6349% | 6,190 |
| Assets per employee ($millions) | 4.4472% | 3,005 |
| Cash dividends to net income (ytd only)* | 25.8568% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,466 |
| Loan loss allowance to noncurrent loans | 271.4444% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 6,134 |
| Noncurrent loans to loans | 0.4421% | 5,959 |
| Net loans and leases to total assets | 61.9586% | 3,734 |
| Net loans and leases to deposits | 79.0003% | 2,814 |
| Net loans and leases to core deposits | 81.8018% | 3,355 |
| Total domestic deposits to total assets | 78.4284% | 6,109 |
| Equity capital to assets | 10.3646% | 3,870 |
| Core capital (leverage) ratio | 10.3781% | 3,007 |
| Tier 1 risk-based capital ratio | 14.7040% | 3,834 |
| Total risk-based capital ratio | 15.8072% | 3,915 |
| Memoranda: | ||
| Average total assets | $314,480,250 | 2,047 |
| Average earning assets | $289,513,500 | 2,031 |
| Average equity | $32,417,750 | 2,050 |
| Average total loans | $197,871,250 | 2,079 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7658% | 4,226 |
| Cost of funding earning assets | 1.2383% | 2,334 |
| Net interest margin | 3.5276% | 5,026 |
| Noninterest income to average assets | 0.6159% | 3,030 |
| Noninterest expense to average assets | 2.2257% | 6,312 |
| Loan and lease loss provision to assets | 0.1286% | 4,681 |
| Net operating income to assets | 1.1741% | 1,649 |
| Return on assets (ROA) | 1.1771% | 1,727 |
| Pretax return on assets | 1.5108% | 1,500 |
| Return on Equity (ROE) | 11.4410% | 1,659 |
| Retained earnings to average equity (ytd only) | 6.7734% | 1,978 |
| Net charge-offs to loans | 0.1266% | 4,462 |
| Credit loss provision to net charge-offs | 161.2903% | 1,878 |
| Earnings coverage of net charge-offs (x) | 20.5161% | 1,187 |
| Efficiency ratio | 57.6424% | 6,209 |
| Assets per employee ($millions) | 4.2884% | 3,183 |
| Cash dividends to net income (ytd only)* | 40.7974% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,439 |
| Loan loss allowance to noncurrent loans | 213.6007% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 6,027 |
| Noncurrent loans to loans | 0.5736% | 5,779 |
| Net loans and leases to total assets | 63.0920% | 3,661 |
| Net loans and leases to deposits | 81.5163% | 2,519 |
| Net loans and leases to core deposits | 84.5621% | 3,126 |
| Total domestic deposits to total assets | 77.3979% | 6,395 |
| Equity capital to assets | 10.3868% | 3,651 |
| Core capital (leverage) ratio | 10.1607% | 3,079 |
| Tier 1 risk-based capital ratio | 14.4732% | 3,805 |
| Total risk-based capital ratio | 15.5948% | 3,879 |
| Memoranda: | ||
| Average total assets | $311,092,330 | 2,071 |
| Average earning assets | $286,204,000 | 2,066 |
| Average equity | $32,007,670 | 2,064 |
| Average total loans | $195,965,670 | 2,121 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7474% | 4,302 |
| Cost of funding earning assets | 1.2655% | 2,390 |
| Net interest margin | 3.4819% | 5,092 |
| Noninterest income to average assets | 0.5804% | 3,309 |
| Noninterest expense to average assets | 2.2056% | 6,408 |
| Loan and lease loss provision to assets | 0.1290% | 4,383 |
| Net operating income to assets | 1.1531% | 1,657 |
| Return on assets (ROA) | 1.1531% | 1,703 |
| Pretax return on assets | 1.4433% | 1,617 |
| Return on Equity (ROE) | 11.2618% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.2618% | 848 |
| Net charge-offs to loans | 0.0866% | 4,090 |
| Credit loss provision to net charge-offs | 238.0952% | 1,296 |
| Earnings coverage of net charge-offs (x) | 29.0238% | 846 |
| Efficiency ratio | 58.3817% | 6,221 |
| Assets per employee ($millions) | 4.2398% | 3,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 5,553 |
| Loan loss allowance to noncurrent loans | 189.7036% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 6,170 |
| Noncurrent loans to loans | 0.6410% | 5,751 |
| Net loans and leases to total assets | 63.8318% | 3,465 |
| Net loans and leases to deposits | 82.8425% | 2,208 |
| Net loans and leases to core deposits | 86.1775% | 2,842 |
| Total domestic deposits to total assets | 77.0520% | 6,530 |
| Equity capital to assets | 10.3798% | 3,308 |
| Core capital (leverage) ratio | 10.1967% | 2,933 |
| Tier 1 risk-based capital ratio | 14.3042% | 3,868 |
| Total risk-based capital ratio | 15.4062% | 3,938 |
| Memoranda: | ||
| Average total assets | $310,113,000 | 2,093 |
| Average earning assets | $284,789,000 | 2,083 |
| Average equity | $31,753,500 | 2,065 |
| Average total loans | $193,968,500 | 2,162 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0670% | 4,253 |
| Cost of funding earning assets | 1.4844% | 2,737 |
| Net interest margin | 3.5826% | 4,898 |
| Noninterest income to average assets | 0.7124% | 2,771 |
| Noninterest expense to average assets | 2.3998% | 6,088 |
| Loan and lease loss provision to assets | 0.0647% | 6,498 |
| Net operating income to assets | 1.1874% | 1,442 |
| Return on assets (ROA) | 1.1871% | 1,523 |
| Pretax return on assets | 1.5340% | 1,289 |
| Return on Equity (ROE) | 11.5205% | 1,445 |
| Retained earnings to average equity (ytd only) | 6.3369% | 1,645 |
| Net charge-offs to loans | 0.1075% | 5,798 |
| Credit loss provision to net charge-offs | 95.1220% | 4,888 |
| Earnings coverage of net charge-offs (x) | 23.4976% | 898 |
| Efficiency ratio | 60.0116% | 6,046 |
| Assets per employee ($millions) | 4.1989% | 3,383 |
| Cash dividends to net income (ytd only)* | 44.9944% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 5,192 |
| Loan loss allowance to noncurrent loans | 176.6369% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 6,106 |
| Noncurrent loans to loans | 0.7151% | 5,616 |
| Net loans and leases to total assets | 59.7219% | 4,720 |
| Net loans and leases to deposits | 76.2385% | 3,804 |
| Net loans and leases to core deposits | 79.2519% | 4,312 |
| Total domestic deposits to total assets | 78.3356% | 6,249 |
| Equity capital to assets | 10.0994% | 3,615 |
| Core capital (leverage) ratio | 9.8260% | 3,286 |
| Tier 1 risk-based capital ratio | 14.2641% | 3,706 |
| Total risk-based capital ratio | 15.3644% | 3,757 |
| Memoranda: | ||
| Average total assets | $301,233,400 | 2,145 |
| Average earning assets | $276,335,400 | 2,143 |
| Average equity | $31,040,200 | 2,114 |
| Average total loans | $190,660,600 | 2,247 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 4,189 |
| Cost of funding earning assets | 1.5164% | 2,869 |
| Net interest margin | 3.6099% | 4,827 |
| Noninterest income to average assets | 0.6679% | 3,025 |
| Noninterest expense to average assets | 2.3181% | 6,262 |
| Loan and lease loss provision to assets | 0.0669% | 6,396 |
| Net operating income to assets | 1.2322% | 1,506 |
| Return on assets (ROA) | 1.2322% | 1,582 |
| Pretax return on assets | 1.5976% | 1,352 |
| Return on Equity (ROE) | 11.8965% | 1,536 |
| Retained earnings to average equity (ytd only) | 8.7996% | 1,121 |
| Net charge-offs to loans | 0.1010% | 5,515 |
| Credit loss provision to net charge-offs | 103.4483% | 4,144 |
| Earnings coverage of net charge-offs (x) | 25.7308% | 986 |
| Efficiency ratio | 58.2054% | 6,239 |
| Assets per employee ($millions) | 4.1117% | 3,626 |
| Cash dividends to net income (ytd only)* | 26.0318% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2690% | 5,119 |
| Loan loss allowance to noncurrent loans | 206.4823% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 6,080 |
| Noncurrent loans to loans | 0.6146% | 5,973 |
| Net loans and leases to total assets | 60.2752% | 4,853 |
| Net loans and leases to deposits | 78.0451% | 3,817 |
| Net loans and leases to core deposits | 80.5831% | 4,428 |
| Total domestic deposits to total assets | 77.2312% | 6,433 |
| Equity capital to assets | 10.4305% | 3,599 |
| Core capital (leverage) ratio | 10.2614% | 2,969 |
| Tier 1 risk-based capital ratio | 14.3220% | 3,617 |
| Total risk-based capital ratio | 15.4309% | 3,671 |
| Memoranda: | ||
| Average total assets | $298,861,250 | 2,190 |
| Average earning assets | $274,420,500 | 2,184 |
| Average equity | $30,955,000 | 2,137 |
| Average total loans | $191,340,000 | 2,273 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 3,863 |
| Cost of funding earning assets | 1.5725% | 2,816 |
| Net interest margin | 3.6450% | 4,603 |
| Noninterest income to average assets | 0.6602% | 2,954 |
| Noninterest expense to average assets | 2.3376% | 6,250 |
| Loan and lease loss provision to assets | 0.0676% | 6,279 |
| Net operating income to assets | 1.2337% | 1,468 |
| Return on assets (ROA) | 1.2337% | 1,533 |
| Pretax return on assets | 1.5976% | 1,311 |
| Return on Equity (ROE) | 11.9404% | 1,472 |
| Retained earnings to average equity (ytd only) | 7.2271% | 1,742 |
| Net charge-offs to loans | 0.0936% | 5,200 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | 27.3556% | 980 |
| Efficiency ratio | 58.3981% | 6,322 |
| Assets per employee ($millions) | 3.9343% | 3,898 |
| Cash dividends to net income (ytd only)* | 39.4737% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2526% | 5,167 |
| Loan loss allowance to noncurrent loans | 356.2500% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 6,548 |
| Noncurrent loans to loans | 0.3516% | 6,532 |
| Net loans and leases to total assets | 63.9573% | 4,274 |
| Net loans and leases to deposits | 82.3064% | 3,219 |
| Net loans and leases to core deposits | 85.0111% | 3,994 |
| Total domestic deposits to total assets | 77.7063% | 6,338 |
| Equity capital to assets | 10.5183% | 3,387 |
| Core capital (leverage) ratio | 10.1341% | 3,016 |
| Tier 1 risk-based capital ratio | 13.6895% | 3,947 |
| Total risk-based capital ratio | 14.7850% | 4,010 |
| Memoranda: | ||
| Average total assets | $295,690,330 | 2,228 |
| Average earning assets | $271,163,330 | 2,220 |
| Average equity | $30,551,670 | 2,157 |
| Average total loans | $192,366,000 | 2,292 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2548% | 3,760 |
| Cost of funding earning assets | 1.6087% | 2,910 |
| Net interest margin | 3.6461% | 4,512 |
| Noninterest income to average assets | 0.5946% | 3,312 |
| Noninterest expense to average assets | 2.2973% | 6,384 |
| Loan and lease loss provision to assets | 0.1351% | 5,210 |
| Net operating income to assets | 1.2014% | 1,536 |
| Return on assets (ROA) | 1.2014% | 1,612 |
| Pretax return on assets | 1.5068% | 1,494 |
| Return on Equity (ROE) | 11.7325% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.7325% | 791 |
| Net charge-offs to loans | 0.0850% | 4,573 |
| Credit loss provision to net charge-offs | 243.9024% | 1,575 |
| Earnings coverage of net charge-offs (x) | 29.6341% | 878 |
| Efficiency ratio | 58.3190% | 6,437 |
| Assets per employee ($millions) | 3.9129% | 4,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2543% | 5,188 |
| Loan loss allowance to noncurrent loans | 278.2460% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 6,649 |
| Noncurrent loans to loans | 0.4508% | 6,398 |
| Net loans and leases to total assets | 65.5347% | 3,976 |
| Net loans and leases to deposits | 83.9223% | 2,954 |
| Net loans and leases to core deposits | 86.7528% | 3,796 |
| Total domestic deposits to total assets | 78.0897% | 6,293 |
| Equity capital to assets | 10.4876% | 3,257 |
| Core capital (leverage) ratio | 10.1351% | 2,999 |
| Tier 1 risk-based capital ratio | 13.6349% | 3,905 |
| Total risk-based capital ratio | 14.7563% | 3,944 |
| Memoranda: | ||
| Average total assets | $295,998,000 | 2,268 |
| Average earning assets | $271,525,000 | 2,272 |
| Average equity | $30,309,000 | 2,200 |
| Average total loans | $192,991,000 | 2,344 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6032% | 3,587 |
| Cost of funding earning assets | 1.9129% | 3,390 |
| Net interest margin | 3.6903% | 4,186 |
| Noninterest income to average assets | 1.0387% | 1,443 |
| Noninterest expense to average assets | 2.7202% | 5,295 |
| Loan and lease loss provision to assets | 0.2695% | 5,257 |
| Net operating income to assets | 1.2208% | 1,194 |
| Return on assets (ROA) | 1.2247% | 1,243 |
| Pretax return on assets | 1.4620% | 1,285 |
| Return on Equity (ROE) | 12.0333% | 1,158 |
| Retained earnings to average equity (ytd only) | 6.7825% | 1,043 |
| Net charge-offs to loans | 0.1344% | 5,860 |
| Credit loss provision to net charge-offs | 303.5433% | 1,088 |
| Earnings coverage of net charge-offs (x) | 19.4528% | 1,082 |
| Efficiency ratio | 61.1679% | 6,300 |
| Assets per employee ($millions) | 4.0341% | 3,749 |
| Cash dividends to net income (ytd only)* | 43.6358% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 5,079 |
| Loan loss allowance to noncurrent loans | 520.5240% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 6,997 |
| Noncurrent loans to loans | 0.2395% | 6,832 |
| Net loans and leases to total assets | 63.2542% | 4,760 |
| Net loans and leases to deposits | 81.2956% | 3,740 |
| Net loans and leases to core deposits | 94.5602% | 4,616 |
| Total domestic deposits to total assets | 77.8077% | 6,269 |
| Equity capital to assets | 9.9957% | 3,772 |
| Core capital (leverage) ratio | 9.6185% | 3,569 |
| Tier 1 risk-based capital ratio | 13.3473% | 3,916 |
| Total risk-based capital ratio | 14.4512% | 3,962 |
| Memoranda: | ||
| Average total assets | $286,122,200 | 2,303 |
| Average earning assets | $264,259,400 | 2,291 |
| Average equity | $29,119,200 | 2,290 |
| Average total loans | $188,943,400 | 2,416 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6485% | 3,585 |
| Cost of funding earning assets | 1.9522% | 3,611 |
| Net interest margin | 3.6963% | 4,089 |
| Noninterest income to average assets | 1.0571% | 1,422 |
| Noninterest expense to average assets | 2.5745% | 5,808 |
| Loan and lease loss provision to assets | 0.1927% | 5,453 |
| Net operating income to assets | 1.4261% | 970 |
| Return on assets (ROA) | 1.4312% | 1,026 |
| Pretax return on assets | 1.7186% | 936 |
| Return on Equity (ROE) | 13.9969% | 931 |
| Retained earnings to average equity (ytd only) | 10.8179% | 494 |
| Net charge-offs to loans | 0.0913% | 5,775 |
| Credit loss provision to net charge-offs | 317.0543% | 1,300 |
| Earnings coverage of net charge-offs (x) | 31.3481% | 904 |
| Efficiency ratio | 57.4719% | 6,794 |
| Assets per employee ($millions) | 4.0216% | 3,685 |
| Cash dividends to net income (ytd only)* | 22.7124% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,666 |
| Loan loss allowance to noncurrent loans | 287.4163% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 6,544 |
| Noncurrent loans to loans | 0.3863% | 6,572 |
| Net loans and leases to total assets | 65.1292% | 4,622 |
| Net loans and leases to deposits | 85.1196% | 3,478 |
| Net loans and leases to core deposits | 99.3701% | 4,442 |
| Total domestic deposits to total assets | 76.5149% | 6,471 |
| Equity capital to assets | 10.4044% | 3,610 |
| Core capital (leverage) ratio | 10.2433% | 3,022 |
| Tier 1 risk-based capital ratio | 13.7377% | 3,689 |
| Total risk-based capital ratio | 14.7472% | 3,787 |
| Memoranda: | ||
| Average total assets | $283,021,000 | 2,340 |
| Average earning assets | $262,059,500 | 2,319 |
| Average equity | $28,939,000 | 2,325 |
| Average total loans | $188,375,500 | 2,444 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 3,500 |
| Cost of funding earning assets | 1.9913% | 3,817 |
| Net interest margin | 3.7156% | 3,887 |
| Noninterest income to average assets | 1.2272% | 1,028 |
| Noninterest expense to average assets | 2.7234% | 5,289 |
| Loan and lease loss provision to assets | 0.2211% | 4,822 |
| Net operating income to assets | 1.4754% | 883 |
| Return on assets (ROA) | 1.4834% | 927 |
| Pretax return on assets | 1.7381% | 955 |
| Return on Equity (ROE) | 14.5967% | 887 |
| Retained earnings to average equity (ytd only) | 9.7382% | 779 |
| Net charge-offs to loans | 0.0771% | 5,431 |
| Credit loss provision to net charge-offs | 429.1667% | 1,076 |
| Earnings coverage of net charge-offs (x) | 37.8472% | 845 |
| Efficiency ratio | 58.2759% | 6,819 |
| Assets per employee ($millions) | 3.9520% | 3,770 |
| Cash dividends to net income (ytd only)* | 33.2851% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,442 |
| Loan loss allowance to noncurrent loans | 400.7619% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,698 |
| Noncurrent loans to loans | 0.2801% | 6,821 |
| Net loans and leases to total assets | 65.1267% | 4,737 |
| Net loans and leases to deposits | 84.2536% | 3,833 |
| Net loans and leases to core deposits | 97.7513% | 4,726 |
| Total domestic deposits to total assets | 77.2984% | 6,257 |
| Equity capital to assets | 10.1917% | 3,730 |
| Core capital (leverage) ratio | 10.1042% | 3,184 |
| Tier 1 risk-based capital ratio | 13.7310% | 3,671 |
| Total risk-based capital ratio | 14.7528% | 3,747 |
| Memoranda: | ||
| Average total assets | $279,502,000 | 2,378 |
| Average earning assets | $259,232,330 | 2,358 |
| Average equity | $28,403,670 | 2,382 |
| Average total loans | $186,716,670 | 2,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8052% | 3,271 |
| Cost of funding earning assets | 2.0285% | 3,995 |
| Net interest margin | 3.7767% | 3,550 |
| Noninterest income to average assets | 0.6744% | 3,038 |
| Noninterest expense to average assets | 2.2976% | 6,552 |
| Loan and lease loss provision to assets | 0.3004% | 3,545 |
| Net operating income to assets | 1.2884% | 1,410 |
| Return on assets (ROA) | 1.2896% | 1,501 |
| Pretax return on assets | 1.5813% | 1,455 |
| Return on Equity (ROE) | 12.7093% | 1,462 |
| Retained earnings to average equity (ytd only) | 12.7093% | 681 |
| Net charge-offs to loans | 0.1266% | 3,952 |
| Credit loss provision to net charge-offs | 352.5424% | 1,432 |
| Earnings coverage of net charge-offs (x) | 22.0678% | 1,318 |
| Efficiency ratio | 54.9948% | 7,103 |
| Assets per employee ($millions) | 3.7689% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,624 |
| Loan loss allowance to noncurrent loans | 187.1866% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 6,343 |
| Noncurrent loans to loans | 0.5756% | 5,964 |
| Net loans and leases to total assets | 66.3625% | 4,495 |
| Net loans and leases to deposits | 86.6710% | 3,529 |
| Net loans and leases to core deposits | 101.5411% | 4,393 |
| Total domestic deposits to total assets | 76.5683% | 6,387 |
| Equity capital to assets | 10.2664% | 3,690 |
| Core capital (leverage) ratio | 10.1148% | 3,280 |
| Tier 1 risk-based capital ratio | 13.8211% | 3,684 |
| Total risk-based capital ratio | 14.8240% | 3,743 |
| Memoranda: | ||
| Average total assets | $276,981,000 | 2,411 |
| Average earning assets | $256,941,000 | 2,397 |
| Average equity | $28,105,500 | 2,410 |
| Average total loans | $186,366,000 | 2,514 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0216% | 5,445 |
| Cost of funding earning assets | 2.3846% | 4,788 |
| Net interest margin | 3.6370% | 4,731 |
| Noninterest income to average assets | 0.5937% | 3,881 |
| Noninterest expense to average assets | 2.3246% | 6,630 |
| Loan and lease loss provision to assets | 0.0962% | 6,156 |
| Net operating income to assets | 1.1887% | 1,808 |
| Return on assets (ROA) | 1.1896% | 1,734 |
| Pretax return on assets | 1.5467% | 1,546 |
| Return on Equity (ROE) | 11.9300% | 1,617 |
| Retained earnings to average equity (ytd only) | 6.4937% | 1,336 |
| Net charge-offs to loans | 0.0393% | 6,239 |
| Credit loss provision to net charge-offs | 370.0000% | 1,195 |
| Earnings coverage of net charge-offs (x) | 63.1714% | 639 |
| Efficiency ratio | 58.6071% | 6,591 |
| Assets per employee ($millions) | 3.8203% | 3,917 |
| Cash dividends to net income (ytd only)* | 45.5680% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,983 |
| Loan loss allowance to noncurrent loans | 367.5197% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1847% | 6,819 |
| Noncurrent loans to loans | 0.2737% | 6,553 |
| Net loans and leases to total assets | 66.8082% | 4,677 |
| Net loans and leases to deposits | 87.2710% | 3,899 |
| Net loans and leases to core deposits | 100.8861% | 4,736 |
| Total domestic deposits to total assets | 76.5526% | 6,110 |
| Equity capital to assets | 10.0261% | 4,007 |
| Core capital (leverage) ratio | 9.6873% | 3,783 |
| Tier 1 risk-based capital ratio | 13.6157% | 3,752 |
| Total risk-based capital ratio | 14.5611% | 3,832 |
| Memoranda: | ||
| Average total assets | $269,340,000 | 2,389 |
| Average earning assets | $249,767,200 | 2,374 |
| Average equity | $26,856,600 | 2,488 |
| Average total loans | $178,170,000 | 2,523 |