Home > Minnesota National Bank > Performance and Condition Ratios
Minnesota National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7263% | 1,614 |
| Cost of funding earning assets | 2.0775% | 1,717 |
| Net interest margin | 3.6487% | 1,970 |
| Noninterest income to average assets | 0.5000% | 1,747 |
| Noninterest expense to average assets | 2.6518% | 1,892 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1367% | 1,906 |
| Return on assets (ROA) | 1.1367% | 1,901 |
| Pretax return on assets | 1.2672% | 2,062 |
| Return on Equity (ROE) | 13.0000% | 1,487 |
| Retained earnings to average equity (ytd only) | 5.3087% | 2,488 |
| Net charge-offs to loans | 0.0053% | 2,059 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 320.3333% | 292 |
| Efficiency ratio | 67.6649% | 2,079 |
| Assets per employee ($millions) | 6.2050% | 2,794 |
| Cash dividends to net income (ytd only)* | 59.1647% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0958% | 2,738 |
| Loan loss allowance to noncurrent loans | 1,511.9760% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 2,747 |
| Noncurrent loans to loans | 0.0725% | 3,307 |
| Net loans and leases to total assets | 74.9500% | 1,215 |
| Net loans and leases to deposits | 93.5583% | 796 |
| Net loans and leases to core deposits | 103.3379% | 1,170 |
| Total domestic deposits to total assets | 80.1100% | 3,587 |
| Equity capital to assets | 8.8395% | 3,045 |
| Core capital (leverage) ratio | 8.5322% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5789% | 2,593 |
| Memoranda: | ||
| Average total assets | $303,338,000 | 2,463 |
| Average earning assets | $284,373,500 | 2,452 |
| Average equity | $26,522,500 | 2,607 |
| Average total loans | $224,767,000 | 2,255 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4598% | 2,219 |
| Cost of funding earning assets | 2.2207% | 1,692 |
| Net interest margin | 3.2391% | 2,643 |
| Noninterest income to average assets | 0.5500% | 1,704 |
| Noninterest expense to average assets | 2.4309% | 2,501 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.0330% | 1,950 |
| Return on assets (ROA) | 1.0332% | 1,945 |
| Pretax return on assets | 1.1423% | 2,127 |
| Return on Equity (ROE) | 12.7400% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.2886% | 1,340 |
| Net charge-offs to loans | 0.0193% | 2,230 |
| Credit loss provision to net charge-offs | 756.0976% | 467 |
| Earnings coverage of net charge-offs (x) | 86.6341% | 887 |
| Efficiency ratio | 67.6414% | 2,294 |
| Assets per employee ($millions) | 6.0526% | 2,844 |
| Cash dividends to net income (ytd only)* | 42.8074% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 2,404 |
| Loan loss allowance to noncurrent loans | 304.9457% | 1,677 |
| Noncurrent assets plus other real estate owned to assets | 0.2739% | 2,148 |
| Noncurrent loans to loans | 0.3783% | 2,132 |
| Net loans and leases to total assets | 71.5700% | 1,717 |
| Net loans and leases to deposits | 86.5823% | 1,530 |
| Net loans and leases to core deposits | 96.3714% | 1,691 |
| Total domestic deposits to total assets | 82.6600% | 3,109 |
| Equity capital to assets | 8.6472% | 3,076 |
| Core capital (leverage) ratio | 8.4619% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7853% | 2,590 |
| Memoranda: | ||
| Average total assets | $305,444,600 | 2,435 |
| Average earning assets | $286,842,600 | 2,419 |
| Average equity | $24,764,800 | 2,655 |
| Average total loans | $212,094,200 | 2,285 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 2,307 |
| Cost of funding earning assets | 2.2244% | 1,683 |
| Net interest margin | 3.1541% | 2,780 |
| Noninterest income to average assets | 0.5600% | 1,638 |
| Noninterest expense to average assets | 2.4637% | 2,361 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.9307% | 2,278 |
| Return on assets (ROA) | 0.9307% | 2,290 |
| Pretax return on assets | 1.0396% | 2,412 |
| Return on Equity (ROE) | 11.6700% | 1,712 |
| Retained earnings to average equity (ytd only) | 6.0456% | 2,065 |
| Net charge-offs to loans | 0.0044% | 2,537 |
| Credit loss provision to net charge-offs | 4,000.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 345.8571% | 340 |
| Efficiency ratio | 70.0297% | 2,018 |
| Assets per employee ($millions) | 5.9485% | 2,910 |
| Cash dividends to net income (ytd only)* | 48.1984% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1556% | 2,454 |
| Loan loss allowance to noncurrent loans | 241.1429% | 1,999 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 1,825 |
| Noncurrent loans to loans | 0.4792% | 1,882 |
| Net loans and leases to total assets | 71.3900% | 1,687 |
| Net loans and leases to deposits | 85.8653% | 1,655 |
| Net loans and leases to core deposits | 97.4256% | 1,665 |
| Total domestic deposits to total assets | 83.1400% | 2,808 |
| Equity capital to assets | 8.5796% | 3,341 |
| Core capital (leverage) ratio | 8.2187% | 4,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7192% | 2,623 |
| Memoranda: | ||
| Average total assets | $306,148,000 | 2,431 |
| Average earning assets | $287,536,000 | 2,413 |
| Average equity | $24,413,750 | 2,657 |
| Average total loans | $210,338,500 | 2,291 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 2,446 |
| Cost of funding earning assets | 2.1428% | 1,778 |
| Net interest margin | 3.1077% | 2,832 |
| Noninterest income to average assets | 0.5500% | 1,634 |
| Noninterest expense to average assets | 2.4125% | 2,493 |
| Loan and lease loss provision to assets | -0.1200% | 4,422 |
| Net operating income to assets | 1.0701% | 1,790 |
| Return on assets (ROA) | 1.0701% | 1,800 |
| Pretax return on assets | 1.1795% | 1,987 |
| Return on Equity (ROE) | 13.7600% | 1,204 |
| Retained earnings to average equity (ytd only) | 8.6280% | 1,192 |
| Net charge-offs to loans | 0.0058% | 2,220 |
| Credit loss provision to net charge-offs | 1,000.0000% | 395 |
| Earnings coverage of net charge-offs (x) | 270.8333% | 406 |
| Efficiency ratio | 69.5065% | 2,171 |
| Assets per employee ($millions) | 5.9034% | 2,875 |
| Cash dividends to net income (ytd only)* | 37.3098% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 2,920 |
| Loan loss allowance to noncurrent loans | 5,140.0000% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,643 |
| Noncurrent loans to loans | 0.0209% | 3,628 |
| Net loans and leases to total assets | 70.8000% | 1,802 |
| Net loans and leases to deposits | 87.3650% | 1,537 |
| Net loans and leases to core deposits | 99.7221% | 1,504 |
| Total domestic deposits to total assets | 81.0400% | 3,274 |
| Equity capital to assets | 8.1375% | 3,344 |
| Core capital (leverage) ratio | 8.3887% | 4,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5021% | 2,689 |
| Memoranda: | ||
| Average total assets | $307,073,333 | 2,412 |
| Average earning assets | $288,319,000 | 2,391 |
| Average equity | $23,875,667 | 2,656 |
| Average total loans | $207,414,667 | 2,300 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0688% | 2,648 |
| Cost of funding earning assets | 2.0396% | 1,900 |
| Net interest margin | 3.0292% | 2,926 |
| Noninterest income to average assets | 0.5300% | 1,631 |
| Noninterest expense to average assets | 2.4910% | 2,273 |
| Loan and lease loss provision to assets | 0.0500% | 1,722 |
| Net operating income to assets | 0.7263% | 2,757 |
| Return on assets (ROA) | 0.7263% | 2,776 |
| Pretax return on assets | 0.8359% | 2,840 |
| Return on Equity (ROE) | 9.5600% | 2,247 |
| Retained earnings to average equity (ytd only) | 3.9213% | 2,732 |
| Net charge-offs to loans | 0.0020% | 2,129 |
| Credit loss provision to net charge-offs | 4,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 688.0000% | 147 |
| Efficiency ratio | 73.7304% | 1,769 |
| Assets per employee ($millions) | 5.9469% | 2,887 |
| Cash dividends to net income (ytd only)* | 58.9698% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 2,815 |
| Loan loss allowance to noncurrent loans | 4,995.6522% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 3,675 |
| Noncurrent loans to loans | 0.0220% | 3,627 |
| Net loans and leases to total assets | 69.4300% | 1,868 |
| Net loans and leases to deposits | 83.2952% | 1,770 |
| Net loans and leases to core deposits | 94.8464% | 1,721 |
| Total domestic deposits to total assets | 83.3500% | 2,897 |
| Equity capital to assets | 7.9483% | 3,408 |
| Core capital (leverage) ratio | 8.2194% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3067% | 2,749 |
| Memoranda: | ||
| Average total assets | $310,072,500 | 2,405 |
| Average earning assets | $291,427,500 | 2,382 |
| Average equity | $23,563,500 | 2,680 |
| Average total loans | $203,382,000 | 2,318 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 2,664 |
| Cost of funding earning assets | 1.5839% | 1,731 |
| Net interest margin | 3.1232% | 3,041 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4420% | 2,469 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.6583% | 3,298 |
| Return on assets (ROA) | 0.6538% | 3,282 |
| Pretax return on assets | 0.7551% | 3,325 |
| Return on Equity (ROE) | 8.8100% | 2,804 |
| Retained earnings to average equity (ytd only) | 2.8937% | 3,313 |
| Net charge-offs to loans | 0.0114% | 2,216 |
| Credit loss provision to net charge-offs | 1,238.0952% | 341 |
| Earnings coverage of net charge-offs (x) | 142.4286% | 733 |
| Efficiency ratio | 70.3068% | 1,835 |
| Assets per employee ($millions) | 6.4560% | 2,447 |
| Cash dividends to net income (ytd only)* | 67.1414% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,599 |
| Loan loss allowance to noncurrent loans | 4,706.2500% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 3,657 |
| Noncurrent loans to loans | 0.0242% | 3,573 |
| Net loans and leases to total assets | 60.6500% | 2,791 |
| Net loans and leases to deposits | 68.3143% | 3,004 |
| Net loans and leases to core deposits | 76.0844% | 2,971 |
| Total domestic deposits to total assets | 88.7800% | 1,130 |
| Equity capital to assets | 7.2779% | 3,828 |
| Core capital (leverage) ratio | 8.3468% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5399% | 2,707 |
| Memoranda: | ||
| Average total assets | $290,010,400 | 2,474 |
| Average earning assets | $271,868,400 | 2,456 |
| Average equity | $21,529,800 | 2,729 |
| Average total loans | $183,980,400 | 2,407 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7040% | 2,464 |
| Cost of funding earning assets | 1.5083% | 1,578 |
| Net interest margin | 3.1956% | 2,927 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.5411% | 2,108 |
| Loan and lease loss provision to assets | 0.3200% | 280 |
| Net operating income to assets | 0.5889% | 3,570 |
| Return on assets (ROA) | 0.5829% | 3,573 |
| Pretax return on assets | 0.6870% | 3,580 |
| Return on Equity (ROE) | 7.8100% | 3,235 |
| Retained earnings to average equity (ytd only) | 0.6971% | 4,007 |
| Net charge-offs to loans | 0.0096% | 2,047 |
| Credit loss provision to net charge-offs | 1,230.7692% | 352 |
| Earnings coverage of net charge-offs (x) | 165.6154% | 681 |
| Efficiency ratio | 71.3849% | 1,631 |
| Assets per employee ($millions) | 5.3146% | 3,337 |
| Cash dividends to net income (ytd only)* | 91.0714% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1487% | 2,627 |
| Loan loss allowance to noncurrent loans | 1,128.6458% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,154 |
| Noncurrent loans to loans | 0.1018% | 3,066 |
| Net loans and leases to total assets | 66.2000% | 2,221 |
| Net loans and leases to deposits | 75.8620% | 2,431 |
| Net loans and leases to core deposits | 85.5694% | 2,212 |
| Total domestic deposits to total assets | 87.2700% | 1,812 |
| Equity capital to assets | 7.3859% | 3,422 |
| Core capital (leverage) ratio | 8.3064% | 4,249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5973% | 2,711 |
| Memoranda: | ||
| Average total assets | $281,813,000 | 2,516 |
| Average earning assets | $263,686,250 | 2,503 |
| Average equity | $21,039,000 | 2,760 |
| Average total loans | $180,468,500 | 2,447 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 2,525 |
| Cost of funding earning assets | 1.3455% | 1,596 |
| Net interest margin | 3.2050% | 2,983 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 2.5062% | 2,187 |
| Loan and lease loss provision to assets | 0.4300% | 186 |
| Net operating income to assets | 0.5211% | 3,763 |
| Return on assets (ROA) | 0.5123% | 3,791 |
| Pretax return on assets | 0.6159% | 3,770 |
| Return on Equity (ROE) | 6.8400% | 3,513 |
| Retained earnings to average equity (ytd only) | -3.3148% | 4,357 |
| Net charge-offs to loans | 0.0045% | 2,121 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 372.2500% | 383 |
| Efficiency ratio | 70.3446% | 1,736 |
| Assets per employee ($millions) | 5.5475% | 3,108 |
| Cash dividends to net income (ytd only)* | 148.4765% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 2,805 |
| Loan loss allowance to noncurrent loans | 3,326.9841% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,453 |
| Noncurrent loans to loans | 0.0339% | 3,495 |
| Net loans and leases to total assets | 64.9500% | 2,283 |
| Net loans and leases to deposits | 73.5451% | 2,538 |
| Net loans and leases to core deposits | 85.1955% | 2,135 |
| Total domestic deposits to total assets | 88.3200% | 1,488 |
| Equity capital to assets | 7.3317% | 3,619 |
| Core capital (leverage) ratio | 8.1756% | 4,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5405% | 2,754 |
| Memoranda: | ||
| Average total assets | $281,859,667 | 2,518 |
| Average earning assets | $263,837,333 | 2,507 |
| Average equity | $21,117,333 | 2,763 |
| Average total loans | $177,743,000 | 2,468 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 2,702 |
| Cost of funding earning assets | 1.1385% | 1,632 |
| Net interest margin | 3.2029% | 3,113 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.5792% | 2,010 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.8474% | 3,029 |
| Return on assets (ROA) | 0.8474% | 2,984 |
| Pretax return on assets | 0.9469% | 3,134 |
| Return on Equity (ROE) | 11.1900% | 2,443 |
| Retained earnings to average equity (ytd only) | -2.1216% | 4,211 |
| Net charge-offs to loans | 0.0069% | 1,693 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 232.0000% | 461 |
| Efficiency ratio | 72.2709% | 1,516 |
| Assets per employee ($millions) | 5.9121% | 2,828 |
| Cash dividends to net income (ytd only)* | 118.9597% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1459% | 2,830 |
| Loan loss allowance to noncurrent loans | 2,177.6596% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,442 |
| Noncurrent loans to loans | 0.0526% | 3,362 |
| Net loans and leases to total assets | 63.5500% | 2,289 |
| Net loans and leases to deposits | 75.4252% | 2,166 |
| Net loans and leases to core deposits | 83.6299% | 2,013 |
| Total domestic deposits to total assets | 84.2600% | 3,041 |
| Equity capital to assets | 7.7141% | 3,436 |
| Core capital (leverage) ratio | 8.3998% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7416% | 2,804 |
| Memoranda: | ||
| Average total assets | $281,327,500 | 2,551 |
| Average earning assets | $263,510,000 | 2,542 |
| Average equity | $21,304,500 | 2,770 |
| Average total loans | $173,681,500 | 2,517 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7423% | 2,423 |
| Cost of funding earning assets | 0.3461% | 2,510 |
| Net interest margin | 3.3962% | 2,272 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.4804% | 2,183 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1266% | 2,070 |
| Return on assets (ROA) | 1.1263% | 2,012 |
| Pretax return on assets | 1.2270% | 2,350 |
| Return on Equity (ROE) | 13.6000% | 1,626 |
| Retained earnings to average equity (ytd only) | 4.1620% | 3,340 |
| Net charge-offs to loans | 0.0026% | 2,411 |
| Credit loss provision to net charge-offs | 2,000.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 860.5000% | 213 |
| Efficiency ratio | 66.3736% | 2,168 |
| Assets per employee ($millions) | 5.8120% | 2,940 |
| Cash dividends to net income (ytd only)* | 69.4003% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1972% | 2,400 |
| Loan loss allowance to noncurrent loans | 1,052.0833% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0674% | 3,123 |
| Noncurrent loans to loans | 0.1138% | 2,956 |
| Net loans and leases to total assets | 58.5400% | 2,771 |
| Net loans and leases to deposits | 63.3536% | 3,095 |
| Net loans and leases to core deposits | 68.5051% | 2,980 |
| Total domestic deposits to total assets | 92.4000% | 545 |
| Equity capital to assets | 7.4350% | 3,412 |
| Core capital (leverage) ratio | 8.5914% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2258% | 2,668 |
| Memoranda: | ||
| Average total assets | $273,910,200 | 2,582 |
| Average earning assets | $255,992,400 | 2,572 |
| Average equity | $22,681,200 | 2,724 |
| Average total loans | $153,343,000 | 2,607 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5989% | 2,351 |
| Cost of funding earning assets | 0.2237% | 3,004 |
| Net interest margin | 3.3752% | 2,056 |
| Noninterest income to average assets | 0.5700% | 1,823 |
| Noninterest expense to average assets | 2.5590% | 1,828 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0674% | 2,222 |
| Return on assets (ROA) | 1.0723% | 2,159 |
| Pretax return on assets | 1.1731% | 2,476 |
| Return on Equity (ROE) | 12.6100% | 1,834 |
| Retained earnings to average equity (ytd only) | 4.0130% | 3,440 |
| Net charge-offs to loans | 0.0018% | 2,232 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,187.5000% | 124 |
| Efficiency ratio | 68.6675% | 1,932 |
| Assets per employee ($millions) | 5.2107% | 3,495 |
| Cash dividends to net income (ytd only)* | 68.1797% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,454 |
| Loan loss allowance to noncurrent loans | 956.6502% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 3,133 |
| Noncurrent loans to loans | 0.1269% | 3,000 |
| Net loans and leases to total assets | 59.4400% | 2,564 |
| Net loans and leases to deposits | 66.5263% | 2,674 |
| Net loans and leases to core deposits | 72.0332% | 2,480 |
| Total domestic deposits to total assets | 89.3500% | 1,940 |
| Equity capital to assets | 7.5229% | 3,210 |
| Core capital (leverage) ratio | 8.5251% | 4,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6036% | 2,619 |
| Memoranda: | ||
| Average total assets | $271,191,000 | 2,618 |
| Average earning assets | $253,255,750 | 2,616 |
| Average equity | $23,058,000 | 2,740 |
| Average total loans | $149,498,000 | 2,645 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 2,418 |
| Cost of funding earning assets | 0.1842% | 3,125 |
| Net interest margin | 3.2203% | 2,125 |
| Noninterest income to average assets | 0.5758% | 1,844 |
| Noninterest expense to average assets | 2.5062% | 1,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9807% | 2,229 |
| Return on assets (ROA) | 0.9861% | 2,180 |
| Pretax return on assets | 1.0850% | 2,459 |
| Return on Equity (ROE) | 11.1794% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.5266% | 2,870 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9019% | 1,973 |
| Assets per employee ($millions) | 5.1329% | 3,558 |
| Cash dividends to net income (ytd only)* | 59.5097% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,369 |
| Loan loss allowance to noncurrent loans | 883.6364% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,156 |
| Noncurrent loans to loans | 0.1428% | 2,987 |
| Net loans and leases to total assets | 56.9771% | 2,642 |
| Net loans and leases to deposits | 64.0629% | 2,716 |
| Net loans and leases to core deposits | 66.8303% | 2,753 |
| Total domestic deposits to total assets | 88.9393% | 2,213 |
| Equity capital to assets | 8.2755% | 2,926 |
| Core capital (leverage) ratio | 8.4710% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8965% | 2,536 |
| Memoranda: | ||
| Average total assets | $273,005,333 | 2,628 |
| Average earning assets | $255,130,000 | 2,633 |
| Average equity | $24,080,000 | 2,740 |
| Average total loans | $146,027,333 | 2,685 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1315% | 2,872 |
| Cost of funding earning assets | 0.1656% | 3,286 |
| Net interest margin | 2.9659% | 2,615 |
| Noninterest income to average assets | 0.5781% | 1,788 |
| Noninterest expense to average assets | 2.5647% | 1,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6969% | 3,067 |
| Return on assets (ROA) | 0.7071% | 3,022 |
| Pretax return on assets | 0.8013% | 3,109 |
| Return on Equity (ROE) | 7.7843% | 2,765 |
| Retained earnings to average equity (ytd only) | 1.0368% | 3,818 |
| Net charge-offs to loans | 0.0028% | 1,685 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 545.0000% | 187 |
| Efficiency ratio | 76.4579% | 1,467 |
| Assets per employee ($millions) | 5.5684% | 3,251 |
| Cash dividends to net income (ytd only)* | 86.6803% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 2,185 |
| Loan loss allowance to noncurrent loans | 981.3131% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 3,357 |
| Noncurrent loans to loans | 0.1362% | 3,130 |
| Net loans and leases to total assets | 51.4992% | 3,028 |
| Net loans and leases to deposits | 56.3895% | 3,232 |
| Net loans and leases to core deposits | 58.5926% | 3,269 |
| Total domestic deposits to total assets | 91.3276% | 873 |
| Equity capital to assets | 8.4796% | 3,178 |
| Core capital (leverage) ratio | 8.3438% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2202% | 2,517 |
| Memoranda: | ||
| Average total assets | $276,053,500 | 2,622 |
| Average earning assets | $258,405,500 | 2,617 |
| Average equity | $25,076,000 | 2,771 |
| Average total loans | $142,030,500 | 2,734 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5710% | 2,463 |
| Cost of funding earning assets | 0.1959% | 3,513 |
| Net interest margin | 3.3751% | 2,103 |
| Noninterest income to average assets | 0.5952% | 2,180 |
| Noninterest expense to average assets | 2.5083% | 2,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1180% | 2,219 |
| Return on assets (ROA) | 1.1241% | 2,253 |
| Pretax return on assets | 1.2252% | 2,584 |
| Return on Equity (ROE) | 10.8714% | 2,207 |
| Retained earnings to average equity (ytd only) | 1.6314% | 4,084 |
| Net charge-offs to loans | 0.0162% | 1,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 143.5000% | 685 |
| Efficiency ratio | 67.3019% | 2,083 |
| Assets per employee ($millions) | 5.5854% | 3,175 |
| Cash dividends to net income (ytd only)* | 84.9931% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,911 |
| Loan loss allowance to noncurrent loans | 460.6635% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,862 |
| Noncurrent loans to loans | 0.3042% | 2,501 |
| Net loans and leases to total assets | 49.9805% | 3,280 |
| Net loans and leases to deposits | 55.4412% | 3,472 |
| Net loans and leases to core deposits | 57.0889% | 3,544 |
| Total domestic deposits to total assets | 90.1504% | 887 |
| Equity capital to assets | 9.6984% | 2,942 |
| Core capital (leverage) ratio | 8.4625% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8094% | 2,313 |
| Memoranda: | ||
| Average total assets | $259,056,200 | 2,665 |
| Average earning assets | $240,381,200 | 2,678 |
| Average equity | $26,786,000 | 2,738 |
| Average total loans | $135,411,400 | 2,778 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 2,240 |
| Cost of funding earning assets | 0.2047% | 3,560 |
| Net interest margin | 3.5089% | 1,841 |
| Noninterest income to average assets | 0.5805% | 2,298 |
| Noninterest expense to average assets | 2.5267% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3004% | 1,829 |
| Return on assets (ROA) | 1.3093% | 1,854 |
| Pretax return on assets | 1.3114% | 2,595 |
| Return on Equity (ROE) | 12.4556% | 1,883 |
| Retained earnings to average equity (ytd only) | 3.2976% | 3,800 |
| Net charge-offs to loans | 0.0218% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 113.4091% | 806 |
| Efficiency ratio | 65.9850% | 2,101 |
| Assets per employee ($millions) | 5.4145% | 3,297 |
| Cash dividends to net income (ytd only)* | 73.5247% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 1,918 |
| Loan loss allowance to noncurrent loans | 867.8571% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 3,535 |
| Noncurrent loans to loans | 0.1643% | 3,300 |
| Net loans and leases to total assets | 50.6655% | 3,324 |
| Net loans and leases to deposits | 56.5096% | 3,533 |
| Net loans and leases to core deposits | 58.2528% | 3,607 |
| Total domestic deposits to total assets | 89.6581% | 937 |
| Equity capital to assets | 10.2183% | 2,693 |
| Core capital (leverage) ratio | 8.4847% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2253% | 2,285 |
| Memoranda: | ||
| Average total assets | $255,399,000 | 2,713 |
| Average earning assets | $236,456,500 | 2,722 |
| Average equity | $26,846,750 | 2,767 |
| Average total loans | $134,581,000 | 2,829 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 1,682 |
| Cost of funding earning assets | 0.2163% | 3,589 |
| Net interest margin | 3.7321% | 1,265 |
| Noninterest income to average assets | 0.5561% | 2,386 |
| Noninterest expense to average assets | 2.4760% | 2,221 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5272% | 1,227 |
| Return on assets (ROA) | 1.5399% | 1,255 |
| Pretax return on assets | 1.5431% | 1,897 |
| Return on Equity (ROE) | 14.5073% | 1,283 |
| Retained earnings to average equity (ytd only) | 5.6654% | 2,936 |
| Net charge-offs to loans | 0.0015% | 2,170 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 1,929.0000% | 57 |
| Efficiency ratio | 61.8020% | 2,757 |
| Assets per employee ($millions) | 5.7783% | 2,823 |
| Cash dividends to net income (ytd only)* | 60.9480% | 897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,648 |
| Loan loss allowance to noncurrent loans | 569.5652% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 3,336 |
| Noncurrent loans to loans | 0.2604% | 3,008 |
| Net loans and leases to total assets | 51.3314% | 3,415 |
| Net loans and leases to deposits | 57.5889% | 3,583 |
| Net loans and leases to core deposits | 59.4559% | 3,660 |
| Total domestic deposits to total assets | 89.1341% | 1,210 |
| Equity capital to assets | 10.7274% | 2,206 |
| Core capital (leverage) ratio | 9.0980% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1665% | 1,918 |
| Memoranda: | ||
| Average total assets | $252,095,667 | 2,725 |
| Average earning assets | $233,059,333 | 2,739 |
| Average equity | $26,759,000 | 2,762 |
| Average total loans | $133,986,667 | 2,847 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 1,305 |
| Cost of funding earning assets | 0.2314% | 3,631 |
| Net interest margin | 3.9076% | 971 |
| Noninterest income to average assets | 0.5513% | 2,401 |
| Noninterest expense to average assets | 2.5066% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6445% | 1,031 |
| Return on assets (ROA) | 1.6493% | 1,072 |
| Pretax return on assets | 1.6556% | 1,591 |
| Return on Equity (ROE) | 15.6218% | 1,089 |
| Retained earnings to average equity (ytd only) | 6.2487% | 2,812 |
| Net charge-offs to loans | -0.0030% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2913% | 2,996 |
| Assets per employee ($millions) | 5.1467% | 3,490 |
| Cash dividends to net income (ytd only)* | 60.0000% | 889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,716 |
| Loan loss allowance to noncurrent loans | 547.9109% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1484% | 3,429 |
| Noncurrent loans to loans | 0.2675% | 3,150 |
| Net loans and leases to total assets | 54.6679% | 3,171 |
| Net loans and leases to deposits | 61.5403% | 3,366 |
| Net loans and leases to core deposits | 63.8904% | 3,423 |
| Total domestic deposits to total assets | 88.8328% | 1,427 |
| Equity capital to assets | 10.9721% | 1,881 |
| Core capital (leverage) ratio | 9.2293% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9377% | 1,913 |
| Memoranda: | ||
| Average total assets | $251,020,500 | 2,723 |
| Average earning assets | $231,648,500 | 2,732 |
| Average equity | $26,501,500 | 2,769 |
| Average total loans | $134,743,500 | 2,840 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 2,998 |
| Cost of funding earning assets | 0.3544% | 3,850 |
| Net interest margin | 3.5556% | 2,293 |
| Noninterest income to average assets | 0.5575% | 2,386 |
| Noninterest expense to average assets | 2.5402% | 2,719 |
| Loan and lease loss provision to assets | 0.0634% | 3,584 |
| Net operating income to assets | 1.2030% | 1,547 |
| Return on assets (ROA) | 1.2183% | 1,604 |
| Pretax return on assets | 1.2200% | 2,259 |
| Return on Equity (ROE) | 10.8654% | 1,681 |
| Retained earnings to average equity (ytd only) | 3.1863% | 3,234 |
| Net charge-offs to loans | 0.0098% | 2,970 |
| Credit loss provision to net charge-offs | 1,115.3846% | 721 |
| Earnings coverage of net charge-offs (x) | 223.0769% | 433 |
| Efficiency ratio | 66.7011% | 2,408 |
| Assets per employee ($millions) | 5.5350% | 2,808 |
| Cash dividends to net income (ytd only)* | 70.6748% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,761 |
| Loan loss allowance to noncurrent loans | 756.1538% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,813 |
| Noncurrent loans to loans | 0.1922% | 3,521 |
| Net loans and leases to total assets | 51.2462% | 3,728 |
| Net loans and leases to deposits | 57.1593% | 3,935 |
| Net loans and leases to core deposits | 59.1562% | 3,993 |
| Total domestic deposits to total assets | 89.6550% | 695 |
| Equity capital to assets | 10.1720% | 2,961 |
| Core capital (leverage) ratio | 9.4584% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1751% | 1,793 |
| Memoranda: | ||
| Average total assets | $228,684,000 | 2,728 |
| Average earning assets | $209,077,200 | 2,752 |
| Average equity | $25,641,000 | 2,759 |
| Average total loans | $132,783,600 | 2,832 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0585% | 2,794 |
| Cost of funding earning assets | 0.3884% | 3,876 |
| Net interest margin | 3.6702% | 2,035 |
| Noninterest income to average assets | 0.5736% | 2,286 |
| Noninterest expense to average assets | 2.6646% | 2,354 |
| Loan and lease loss provision to assets | 0.0693% | 3,461 |
| Net operating income to assets | 1.1865% | 1,684 |
| Return on assets (ROA) | 1.2130% | 1,725 |
| Pretax return on assets | 1.2154% | 2,341 |
| Return on Equity (ROE) | 10.5308% | 1,835 |
| Retained earnings to average equity (ytd only) | 3.1084% | 3,472 |
| Net charge-offs to loans | 0.0151% | 2,584 |
| Credit loss provision to net charge-offs | 766.6667% | 1,010 |
| Earnings coverage of net charge-offs (x) | 138.9333% | 638 |
| Efficiency ratio | 67.9237% | 2,205 |
| Assets per employee ($millions) | 5.0195% | 3,228 |
| Cash dividends to net income (ytd only)* | 70.4828% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,615 |
| Loan loss allowance to noncurrent loans | 698.1949% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 3,843 |
| Noncurrent loans to loans | 0.2046% | 3,564 |
| Net loans and leases to total assets | 56.5784% | 3,568 |
| Net loans and leases to deposits | 63.7633% | 3,807 |
| Net loans and leases to core deposits | 66.2335% | 3,882 |
| Total domestic deposits to total assets | 88.7320% | 884 |
| Equity capital to assets | 11.0760% | 2,342 |
| Core capital (leverage) ratio | 9.5261% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5089% | 1,653 |
| Memoranda: | ||
| Average total assets | $220,818,500 | 2,775 |
| Average earning assets | $201,512,500 | 2,792 |
| Average equity | $25,435,750 | 2,762 |
| Average total loans | $132,159,250 | 2,847 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1864% | 2,804 |
| Cost of funding earning assets | 0.4220% | 3,940 |
| Net interest margin | 3.7644% | 1,941 |
| Noninterest income to average assets | 0.5552% | 2,329 |
| Noninterest expense to average assets | 2.7305% | 2,289 |
| Loan and lease loss provision to assets | 0.0788% | 3,310 |
| Net operating income to assets | 1.1817% | 1,691 |
| Return on assets (ROA) | 1.2225% | 1,701 |
| Pretax return on assets | 1.2262% | 2,269 |
| Return on Equity (ROE) | 10.4665% | 1,821 |
| Retained earnings to average equity (ytd only) | 3.0947% | 3,344 |
| Net charge-offs to loans | 0.0229% | 2,257 |
| Credit loss provision to net charge-offs | 566.6667% | 1,146 |
| Earnings coverage of net charge-offs (x) | 90.9333% | 742 |
| Efficiency ratio | 68.3527% | 2,193 |
| Assets per employee ($millions) | 4.8414% | 3,373 |
| Cash dividends to net income (ytd only)* | 70.4321% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 1,280 |
| Loan loss allowance to noncurrent loans | 402.3256% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 3,499 |
| Noncurrent loans to loans | 0.3716% | 3,076 |
| Net loans and leases to total assets | 55.1069% | 3,770 |
| Net loans and leases to deposits | 62.3133% | 3,991 |
| Net loans and leases to core deposits | 64.7424% | 4,034 |
| Total domestic deposits to total assets | 88.4353% | 971 |
| Equity capital to assets | 11.3626% | 2,070 |
| Core capital (leverage) ratio | 10.0658% | 2,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5567% | 1,350 |
| Memoranda: | ||
| Average total assets | $215,786,333 | 2,786 |
| Average earning assets | $197,162,000 | 2,810 |
| Average equity | $25,204,333 | 2,765 |
| Average total loans | $131,075,333 | 2,856 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2364% | 3,102 |
| Cost of funding earning assets | 0.4825% | 4,021 |
| Net interest margin | 3.7539% | 2,125 |
| Noninterest income to average assets | 0.5869% | 2,098 |
| Noninterest expense to average assets | 2.7403% | 2,601 |
| Loan and lease loss provision to assets | 0.0095% | 3,647 |
| Net operating income to assets | 1.2700% | 1,328 |
| Return on assets (ROA) | 1.3530% | 1,182 |
| Pretax return on assets | 1.3606% | 1,684 |
| Return on Equity (ROE) | 11.4152% | 1,286 |
| Retained earnings to average equity (ytd only) | 3.3281% | 2,947 |
| Net charge-offs to loans | 0.0211% | 1,946 |
| Credit loss provision to net charge-offs | 71.4286% | 1,968 |
| Earnings coverage of net charge-offs (x) | 96.4286% | 594 |
| Efficiency ratio | 68.0549% | 2,657 |
| Assets per employee ($millions) | 4.1099% | 3,772 |
| Cash dividends to net income (ytd only)* | 70.8451% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 1,697 |
| Loan loss allowance to noncurrent loans | 380.0830% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 3,523 |
| Noncurrent loans to loans | 0.3686% | 3,167 |
| Net loans and leases to total assets | 62.7383% | 3,224 |
| Net loans and leases to deposits | 71.7161% | 3,456 |
| Net loans and leases to core deposits | 75.0798% | 3,565 |
| Total domestic deposits to total assets | 87.4814% | 1,345 |
| Equity capital to assets | 12.2164% | 1,908 |
| Core capital (leverage) ratio | 10.4594% | 2,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8884% | 1,633 |
| Memoranda: | ||
| Average total assets | $209,907,000 | 2,791 |
| Average earning assets | $192,331,000 | 2,808 |
| Average equity | $24,879,000 | 2,784 |
| Average total loans | $132,965,000 | 2,805 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 3,262 |
| Cost of funding earning assets | 0.6025% | 3,624 |
| Net interest margin | 3.7952% | 2,511 |
| Noninterest income to average assets | 0.6879% | 1,856 |
| Noninterest expense to average assets | 2.8095% | 2,568 |
| Loan and lease loss provision to assets | 0.0121% | 3,774 |
| Net operating income to assets | 1.3225% | 1,603 |
| Return on assets (ROA) | 1.3220% | 1,687 |
| Pretax return on assets | 1.3240% | 2,422 |
| Return on Equity (ROE) | 11.3274% | 1,758 |
| Retained earnings to average equity (ytd only) | 1.9604% | 4,016 |
| Net charge-offs to loans | 0.0154% | 3,168 |
| Credit loss provision to net charge-offs | 119.0476% | 2,127 |
| Earnings coverage of net charge-offs (x) | 131.5714% | 555 |
| Efficiency ratio | 67.7634% | 2,495 |
| Assets per employee ($millions) | 4.3739% | 3,409 |
| Cash dividends to net income (ytd only)* | 82.6930% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 1,685 |
| Loan loss allowance to noncurrent loans | 591.6129% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 3,912 |
| Noncurrent loans to loans | 0.2293% | 3,625 |
| Net loans and leases to total assets | 62.2157% | 3,374 |
| Net loans and leases to deposits | 70.5074% | 3,629 |
| Net loans and leases to core deposits | 73.8935% | 3,730 |
| Total domestic deposits to total assets | 88.2400% | 1,009 |
| Equity capital to assets | 11.5034% | 2,525 |
| Core capital (leverage) ratio | 9.9708% | 3,551 |
| Tier 1 risk-based capital ratio | 14.4233% | 3,061 |
| Total risk-based capital ratio | 15.6736% | 2,964 |
| Memoranda: | ||
| Average total assets | $206,728,800 | 2,787 |
| Average earning assets | $188,368,400 | 2,813 |
| Average equity | $24,127,400 | 2,785 |
| Average total loans | $136,325,200 | 2,762 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 3,240 |
| Cost of funding earning assets | 0.6264% | 3,549 |
| Net interest margin | 3.8130% | 2,554 |
| Noninterest income to average assets | 0.7271% | 1,676 |
| Noninterest expense to average assets | 2.8211% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3702% | 1,574 |
| Return on assets (ROA) | 1.3695% | 1,639 |
| Pretax return on assets | 1.3721% | 2,415 |
| Return on Equity (ROE) | 11.6907% | 1,721 |
| Retained earnings to average equity (ytd only) | 1.9281% | 4,299 |
| Net charge-offs to loans | 0.0049% | 3,217 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 421.5787% | 237 |
| Efficiency ratio | 67.2668% | 2,532 |
| Assets per employee ($millions) | 4.4125% | 3,325 |
| Cash dividends to net income (ytd only)* | 83.5078% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,919 |
| Loan loss allowance to noncurrent loans | 429.4118% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2007% | 3,764 |
| Noncurrent loans to loans | 0.3054% | 3,439 |
| Net loans and leases to total assets | 64.8483% | 3,200 |
| Net loans and leases to deposits | 73.5503% | 3,513 |
| Net loans and leases to core deposits | 77.3180% | 3,601 |
| Total domestic deposits to total assets | 88.1687% | 964 |
| Equity capital to assets | 11.5972% | 2,599 |
| Core capital (leverage) ratio | 10.2256% | 3,391 |
| Tier 1 risk-based capital ratio | 13.9329% | 3,361 |
| Total risk-based capital ratio | 15.1691% | 3,281 |
| Memoranda: | ||
| Average total assets | $204,831,250 | 2,823 |
| Average earning assets | $186,237,500 | 2,856 |
| Average equity | $23,995,750 | 2,808 |
| Average total loans | $136,613,000 | 2,784 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 3,195 |
| Cost of funding earning assets | 0.6324% | 3,498 |
| Net interest margin | 3.8126% | 2,546 |
| Noninterest income to average assets | 0.6103% | 2,098 |
| Noninterest expense to average assets | 2.9085% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1575% | 2,300 |
| Return on assets (ROA) | 1.1565% | 2,373 |
| Pretax return on assets | 1.1604% | 3,034 |
| Return on Equity (ROE) | 9.8376% | 2,465 |
| Retained earnings to average equity (ytd only) | 0.1092% | 4,659 |
| Net charge-offs to loans | 0.0088% | 2,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 196.0000% | 394 |
| Efficiency ratio | 71.4632% | 1,992 |
| Assets per employee ($millions) | 4.2783% | 3,470 |
| Cash dividends to net income (ytd only)* | 98.8898% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,854 |
| Loan loss allowance to noncurrent loans | 494.3089% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 3,215 |
| Noncurrent loans to loans | 0.2710% | 3,561 |
| Net loans and leases to total assets | 66.7975% | 3,004 |
| Net loans and leases to deposits | 80.4452% | 2,900 |
| Net loans and leases to core deposits | 84.9028% | 3,039 |
| Total domestic deposits to total assets | 83.0347% | 3,189 |
| Equity capital to assets | 11.9877% | 2,190 |
| Core capital (leverage) ratio | 10.2255% | 3,362 |
| Tier 1 risk-based capital ratio | 13.6111% | 3,523 |
| Total risk-based capital ratio | 14.8379% | 3,428 |
| Memoranda: | ||
| Average total assets | $202,507,670 | 2,853 |
| Average earning assets | $183,758,670 | 2,884 |
| Average equity | $23,806,670 | 2,817 |
| Average total loans | $135,759,000 | 2,808 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 3,334 |
| Cost of funding earning assets | 0.5548% | 3,801 |
| Net interest margin | 3.8167% | 2,461 |
| Noninterest income to average assets | 0.5866% | 2,110 |
| Noninterest expense to average assets | 2.8147% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2301% | 1,946 |
| Return on assets (ROA) | 1.2263% | 2,007 |
| Pretax return on assets | 1.2341% | 2,685 |
| Return on Equity (ROE) | 10.5337% | 2,144 |
| Retained earnings to average equity (ytd only) | -0.6256% | 4,610 |
| Net charge-offs to loans | 0.0266% | 1,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 69.8889% | 845 |
| Efficiency ratio | 69.4512% | 2,431 |
| Assets per employee ($millions) | 4.1120% | 3,748 |
| Cash dividends to net income (ytd only)* | 105.9390% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 1,892 |
| Loan loss allowance to noncurrent loans | 578.0952% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3022% | 3,400 |
| Noncurrent loans to loans | 0.2326% | 3,744 |
| Net loans and leases to total assets | 66.3219% | 3,004 |
| Net loans and leases to deposits | 79.3096% | 2,918 |
| Net loans and leases to core deposits | 83.6612% | 3,049 |
| Total domestic deposits to total assets | 83.6240% | 3,175 |
| Equity capital to assets | 11.8100% | 2,149 |
| Core capital (leverage) ratio | 10.3214% | 3,253 |
| Tier 1 risk-based capital ratio | 13.6820% | 3,504 |
| Total risk-based capital ratio | 14.9162% | 3,422 |
| Memoranda: | ||
| Average total assets | $203,221,000 | 2,868 |
| Average earning assets | $184,557,000 | 2,904 |
| Average equity | $23,657,500 | 2,833 |
| Average total loans | $135,568,000 | 2,847 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 3,218 |
| Cost of funding earning assets | 0.4474% | 3,699 |
| Net interest margin | 3.8216% | 2,588 |
| Noninterest income to average assets | 0.7075% | 1,828 |
| Noninterest expense to average assets | 2.9161% | 2,296 |
| Loan and lease loss provision to assets | 0.0170% | 3,817 |
| Net operating income to assets | 1.1925% | 2,210 |
| Return on assets (ROA) | 1.1925% | 2,205 |
| Pretax return on assets | 1.1944% | 2,903 |
| Return on Equity (ROE) | 10.5831% | 2,255 |
| Retained earnings to average equity (ytd only) | 2.3676% | 4,196 |
| Net charge-offs to loans | 0.0594% | 2,290 |
| Credit loss provision to net charge-offs | 42.6829% | 3,260 |
| Earnings coverage of net charge-offs (x) | 30.4024% | 1,582 |
| Efficiency ratio | 70.6499% | 2,087 |
| Assets per employee ($millions) | 4.2698% | 3,511 |
| Cash dividends to net income (ytd only)* | 77.6284% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,831 |
| Loan loss allowance to noncurrent loans | 556.2310% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 3,356 |
| Noncurrent loans to loans | 0.2425% | 3,716 |
| Net loans and leases to total assets | 65.3094% | 3,221 |
| Net loans and leases to deposits | 76.4922% | 3,319 |
| Net loans and leases to core deposits | 80.6348% | 3,384 |
| Total domestic deposits to total assets | 85.3805% | 2,474 |
| Equity capital to assets | 11.4754% | 2,269 |
| Core capital (leverage) ratio | 10.2942% | 3,252 |
| Tier 1 risk-based capital ratio | 13.5816% | 3,504 |
| Total risk-based capital ratio | 14.8106% | 3,421 |
| Memoranda: | ||
| Average total assets | $205,787,000 | 2,803 |
| Average earning assets | $184,164,800 | 2,875 |
| Average equity | $23,188,000 | 2,799 |
| Average total loans | $138,147,400 | 2,788 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 3,195 |
| Cost of funding earning assets | 0.4313% | 3,657 |
| Net interest margin | 3.8011% | 2,639 |
| Noninterest income to average assets | 0.6382% | 2,128 |
| Noninterest expense to average assets | 2.9495% | 2,166 |
| Loan and lease loss provision to assets | 0.0227% | 3,567 |
| Net operating income to assets | 1.0518% | 2,861 |
| Return on assets (ROA) | 1.0518% | 2,874 |
| Pretax return on assets | 1.0544% | 3,559 |
| Return on Equity (ROE) | 9.3771% | 2,916 |
| Retained earnings to average equity (ytd only) | 0.6867% | 4,916 |
| Net charge-offs to loans | 0.0452% | 2,197 |
| Credit loss provision to net charge-offs | 74.4681% | 2,588 |
| Earnings coverage of net charge-offs (x) | 35.4015% | 1,454 |
| Efficiency ratio | 73.2519% | 1,691 |
| Assets per employee ($millions) | 4.1577% | 3,642 |
| Cash dividends to net income (ytd only)* | 92.6770% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 1,860 |
| Loan loss allowance to noncurrent loans | 486.9452% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4169% | 3,025 |
| Noncurrent loans to loans | 0.2784% | 3,688 |
| Net loans and leases to total assets | 68.0087% | 2,936 |
| Net loans and leases to deposits | 79.4192% | 3,096 |
| Net loans and leases to core deposits | 83.9763% | 3,157 |
| Total domestic deposits to total assets | 85.6326% | 2,347 |
| Equity capital to assets | 11.4732% | 2,280 |
| Core capital (leverage) ratio | 10.0191% | 3,613 |
| Tier 1 risk-based capital ratio | 13.7765% | 3,475 |
| Total risk-based capital ratio | 15.0271% | 3,386 |
| Memoranda: | ||
| Average total assets | $205,995,750 | 2,830 |
| Average earning assets | $183,625,250 | 2,909 |
| Average equity | $23,105,250 | 2,817 |
| Average total loans | $138,763,500 | 2,803 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,319 |
| Cost of funding earning assets | 0.4029% | 3,700 |
| Net interest margin | 3.7369% | 2,803 |
| Noninterest income to average assets | 0.6044% | 2,300 |
| Noninterest expense to average assets | 2.9135% | 2,316 |
| Loan and lease loss provision to assets | 0.0336% | 3,246 |
| Net operating income to assets | 0.9868% | 3,078 |
| Return on assets (ROA) | 0.9868% | 3,080 |
| Pretax return on assets | 0.9907% | 3,689 |
| Return on Equity (ROE) | 8.8631% | 3,087 |
| Retained earnings to average equity (ytd only) | 0.2244% | 4,918 |
| Net charge-offs to loans | 0.0029% | 3,089 |
| Credit loss provision to net charge-offs | 1,750.0000% | 244 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 168 |
| Efficiency ratio | 73.9873% | 1,709 |
| Assets per employee ($millions) | 4.0346% | 3,839 |
| Cash dividends to net income (ytd only)* | 97.4684% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3744% | 1,832 |
| Loan loss allowance to noncurrent loans | 289.3939% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 2,270 |
| Noncurrent loans to loans | 0.4749% | 3,011 |
| Net loans and leases to total assets | 69.3304% | 2,675 |
| Net loans and leases to deposits | 81.5016% | 2,816 |
| Net loans and leases to core deposits | 86.3568% | 2,895 |
| Total domestic deposits to total assets | 85.0663% | 2,645 |
| Equity capital to assets | 11.6372% | 2,101 |
| Core capital (leverage) ratio | 10.1899% | 3,372 |
| Tier 1 risk-based capital ratio | 13.4143% | 3,665 |
| Total risk-based capital ratio | 14.6651% | 3,585 |
| Memoranda: | ||
| Average total assets | $208,137,670 | 2,828 |
| Average earning assets | $185,664,000 | 2,909 |
| Average equity | $23,174,670 | 2,825 |
| Average total loans | $139,154,670 | 2,806 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9990% | 3,610 |
| Cost of funding earning assets | 0.3697% | 3,835 |
| Net interest margin | 3.6294% | 3,073 |
| Noninterest income to average assets | 0.5756% | 2,392 |
| Noninterest expense to average assets | 2.7334% | 2,933 |
| Loan and lease loss provision to assets | 0.0281% | 3,148 |
| Net operating income to assets | 1.0461% | 2,664 |
| Return on assets (ROA) | 1.0461% | 2,680 |
| Pretax return on assets | 1.0536% | 3,343 |
| Return on Equity (ROE) | 9.5963% | 2,637 |
| Retained earnings to average equity (ytd only) | 1.4962% | 4,493 |
| Net charge-offs to loans | 0.0057% | 2,526 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 288.5000% | 238 |
| Efficiency ratio | 71.6462% | 2,241 |
| Assets per employee ($millions) | 4.1766% | 3,689 |
| Cash dividends to net income (ytd only)* | 84.4086% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 1,970 |
| Loan loss allowance to noncurrent loans | 180.8612% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.8548% | 1,848 |
| Noncurrent loans to loans | 0.7548% | 2,314 |
| Net loans and leases to total assets | 69.5670% | 2,551 |
| Net loans and leases to deposits | 81.9049% | 2,608 |
| Net loans and leases to core deposits | 86.8255% | 2,730 |
| Total domestic deposits to total assets | 84.9363% | 2,956 |
| Equity capital to assets | 11.8013% | 1,914 |
| Core capital (leverage) ratio | 10.1374% | 3,375 |
| Tier 1 risk-based capital ratio | 13.6303% | 3,584 |
| Total risk-based capital ratio | 14.8807% | 3,499 |
| Memoranda: | ||
| Average total assets | $213,359,500 | 2,806 |
| Average earning assets | $190,446,500 | 2,877 |
| Average equity | $23,259,000 | 2,840 |
| Average total loans | $139,246,000 | 2,823 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,566 |
| Cost of funding earning assets | 0.3843% | 3,391 |
| Net interest margin | 3.5666% | 3,275 |
| Noninterest income to average assets | 0.5542% | 2,691 |
| Noninterest expense to average assets | 2.7340% | 3,017 |
| Loan and lease loss provision to assets | 0.0548% | 3,134 |
| Net operating income to assets | 0.9318% | 2,540 |
| Return on assets (ROA) | 0.9199% | 2,626 |
| Pretax return on assets | 0.9218% | 3,835 |
| Return on Equity (ROE) | 8.3720% | 2,619 |
| Retained earnings to average equity (ytd only) | 3.8004% | 2,945 |
| Net charge-offs to loans | 0.0449% | 2,888 |
| Credit loss provision to net charge-offs | 182.5397% | 1,484 |
| Earnings coverage of net charge-offs (x) | 32.9524% | 1,450 |
| Efficiency ratio | 72.2052% | 2,189 |
| Assets per employee ($millions) | 5.0091% | 2,461 |
| Cash dividends to net income (ytd only)* | 54.6066% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,019 |
| Loan loss allowance to noncurrent loans | 141.8745% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 2,316 |
| Noncurrent loans to loans | 0.9447% | 1,882 |
| Net loans and leases to total assets | 59.9625% | 3,836 |
| Net loans and leases to deposits | 67.4048% | 4,065 |
| Net loans and leases to core deposits | 71.4725% | 4,084 |
| Total domestic deposits to total assets | 88.9588% | 1,020 |
| Equity capital to assets | 10.1346% | 3,552 |
| Core capital (leverage) ratio | 9.7113% | 3,799 |
| Tier 1 risk-based capital ratio | 13.3733% | 3,707 |
| Total risk-based capital ratio | 14.6232% | 3,613 |
| Memoranda: | ||
| Average total assets | $210,018,800 | 2,823 |
| Average earning assets | $186,563,400 | 2,901 |
| Average equity | $23,076,800 | 2,855 |
| Average total loans | $140,325,200 | 2,776 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0067% | 3,333 |
| Cost of funding earning assets | 0.3876% | 3,308 |
| Net interest margin | 3.6192% | 3,071 |
| Noninterest income to average assets | 0.5732% | 2,614 |
| Noninterest expense to average assets | 2.7978% | 2,733 |
| Loan and lease loss provision to assets | 0.0748% | 2,576 |
| Net operating income to assets | 0.9122% | 2,961 |
| Return on assets (ROA) | 0.9148% | 3,008 |
| Pretax return on assets | 0.9174% | 3,979 |
| Return on Equity (ROE) | 8.1477% | 3,049 |
| Retained earnings to average equity (ytd only) | 3.6160% | 3,771 |
| Net charge-offs to loans | 0.0579% | 2,298 |
| Credit loss provision to net charge-offs | 188.5246% | 1,411 |
| Earnings coverage of net charge-offs (x) | 24.9348% | 1,751 |
| Efficiency ratio | 72.2041% | 2,176 |
| Assets per employee ($millions) | 4.1900% | 3,672 |
| Cash dividends to net income (ytd only)* | 55.6187% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 2,095 |
| Loan loss allowance to noncurrent loans | 137.8577% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 2,220 |
| Noncurrent loans to loans | 0.9837% | 1,962 |
| Net loans and leases to total assets | 66.5740% | 3,030 |
| Net loans and leases to deposits | 81.0434% | 2,872 |
| Net loans and leases to core deposits | 87.2053% | 2,853 |
| Total domestic deposits to total assets | 82.1460% | 3,730 |
| Equity capital to assets | 11.3570% | 2,515 |
| Core capital (leverage) ratio | 9.9209% | 3,672 |
| Tier 1 risk-based capital ratio | 12.4588% | 4,345 |
| Total risk-based capital ratio | 13.6642% | 4,278 |
| Memoranda: | ||
| Average total assets | $204,918,750 | 2,894 |
| Average earning assets | $181,990,000 | 2,968 |
| Average equity | $23,008,000 | 2,878 |
| Average total loans | $140,396,000 | 2,794 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9713% | 3,311 |
| Cost of funding earning assets | 0.3763% | 3,321 |
| Net interest margin | 3.5950% | 3,062 |
| Noninterest income to average assets | 0.5537% | 2,692 |
| Noninterest expense to average assets | 2.7961% | 2,778 |
| Loan and lease loss provision to assets | 0.1123% | 1,825 |
| Net operating income to assets | 0.8418% | 3,197 |
| Return on assets (ROA) | 0.8458% | 3,222 |
| Pretax return on assets | 0.8497% | 4,098 |
| Return on Equity (ROE) | 7.5617% | 3,261 |
| Retained earnings to average equity (ytd only) | 4.4968% | 3,032 |
| Net charge-offs to loans | 0.0879% | 1,730 |
| Credit loss provision to net charge-offs | 185.4839% | 1,340 |
| Earnings coverage of net charge-offs (x) | 15.8226% | 2,007 |
| Efficiency ratio | 72.6327% | 2,242 |
| Assets per employee ($millions) | 4.0807% | 3,829 |
| Cash dividends to net income (ytd only)* | 40.5312% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,260 |
| Loan loss allowance to noncurrent loans | 270.9957% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 3,303 |
| Noncurrent loans to loans | 0.4918% | 3,276 |
| Net loans and leases to total assets | 69.5323% | 2,591 |
| Net loans and leases to deposits | 81.7688% | 2,721 |
| Net loans and leases to core deposits | 86.9196% | 2,800 |
| Total domestic deposits to total assets | 85.0352% | 2,790 |
| Equity capital to assets | 11.6281% | 2,207 |
| Core capital (leverage) ratio | 9.9902% | 3,549 |
| Tier 1 risk-based capital ratio | 12.5605% | 4,266 |
| Total risk-based capital ratio | 13.7832% | 4,183 |
| Memoranda: | ||
| Average total assets | $204,788,330 | 2,908 |
| Average earning assets | $182,309,000 | 2,980 |
| Average equity | $22,905,000 | 2,887 |
| Average total loans | $141,007,330 | 2,788 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8396% | 3,622 |
| Cost of funding earning assets | 0.3677% | 3,340 |
| Net interest margin | 3.4719% | 3,383 |
| Noninterest income to average assets | 0.5425% | 2,695 |
| Noninterest expense to average assets | 2.7683% | 2,895 |
| Loan and lease loss provision to assets | 0.1158% | 1,656 |
| Net operating income to assets | 0.7491% | 3,481 |
| Return on assets (ROA) | 0.7529% | 3,517 |
| Pretax return on assets | 0.7606% | 4,246 |
| Return on Equity (ROE) | 6.8626% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.8626% | 1,902 |
| Net charge-offs to loans | 0.1531% | 1,043 |
| Credit loss provision to net charge-offs | 111.1111% | 1,468 |
| Earnings coverage of net charge-offs (x) | 8.3704% | 2,068 |
| Efficiency ratio | 74.1782% | 2,204 |
| Assets per employee ($millions) | 4.1648% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3095% | 2,493 |
| Loan loss allowance to noncurrent loans | 235.6499% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5129% | 3,177 |
| Noncurrent loans to loans | 0.5557% | 3,140 |
| Net loans and leases to total assets | 70.4951% | 2,295 |
| Net loans and leases to deposits | 82.8587% | 2,412 |
| Net loans and leases to core deposits | 90.3148% | 2,327 |
| Total domestic deposits to total assets | 85.0787% | 3,055 |
| Equity capital to assets | 11.7320% | 2,009 |
| Core capital (leverage) ratio | 9.8649% | 3,671 |
| Tier 1 risk-based capital ratio | 12.6479% | 4,293 |
| Total risk-based capital ratio | 13.8580% | 4,227 |
| Memoranda: | ||
| Average total assets | $207,204,500 | 2,915 |
| Average earning assets | $184,913,000 | 2,993 |
| Average equity | $22,732,000 | 2,922 |
| Average total loans | $141,055,000 | 2,804 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8312% | 3,802 |
| Cost of funding earning assets | 0.3919% | 3,078 |
| Net interest margin | 3.4393% | 3,667 |
| Noninterest income to average assets | 0.4719% | 3,399 |
| Noninterest expense to average assets | 2.4898% | 4,049 |
| Loan and lease loss provision to assets | 0.1937% | 1,202 |
| Net operating income to assets | 0.9515% | 2,575 |
| Return on assets (ROA) | 0.9587% | 2,650 |
| Pretax return on assets | 0.9597% | 3,621 |
| Return on Equity (ROE) | 8.7442% | 2,545 |
| Retained earnings to average equity (ytd only) | 0.7545% | 5,021 |
| Net charge-offs to loans | 0.2616% | 1,060 |
| Credit loss provision to net charge-offs | 107.7128% | 2,430 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 3,185 |
| Efficiency ratio | 66.2546% | 3,554 |
| Assets per employee ($millions) | 4.5614% | 3,028 |
| Cash dividends to net income (ytd only)* | 91.3716% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2826% | 2,642 |
| Loan loss allowance to noncurrent loans | 181.9541% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 2,965 |
| Noncurrent loans to loans | 0.7049% | 2,774 |
| Net loans and leases to total assets | 64.1537% | 3,337 |
| Net loans and leases to deposits | 73.2469% | 3,588 |
| Net loans and leases to core deposits | 79.5228% | 3,438 |
| Total domestic deposits to total assets | 87.5855% | 1,837 |
| Equity capital to assets | 10.4058% | 3,263 |
| Core capital (leverage) ratio | 9.6515% | 3,907 |
| Tier 1 risk-based capital ratio | 12.3635% | 4,467 |
| Total risk-based capital ratio | 13.5496% | 4,390 |
| Memoranda: | ||
| Average total assets | $209,136,600 | 2,859 |
| Average earning assets | $192,396,400 | 2,872 |
| Average equity | $22,929,400 | 2,896 |
| Average total loans | $143,734,200 | 2,733 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8139% | 3,883 |
| Cost of funding earning assets | 0.3949% | 3,069 |
| Net interest margin | 3.4190% | 3,775 |
| Noninterest income to average assets | 0.5277% | 3,060 |
| Noninterest expense to average assets | 2.5475% | 3,836 |
| Loan and lease loss provision to assets | 0.2516% | 748 |
| Net operating income to assets | 0.9057% | 2,870 |
| Return on assets (ROA) | 0.9147% | 2,959 |
| Pretax return on assets | 0.9160% | 3,920 |
| Return on Equity (ROE) | 8.2323% | 2,889 |
| Retained earnings to average equity (ytd only) | -0.0871% | 5,369 |
| Net charge-offs to loans | -0.0093% | 4,754 |
| Credit loss provision to net charge-offs | -3,900.0000% | 5,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5448% | 3,496 |
| Assets per employee ($millions) | 4.2169% | 3,562 |
| Cash dividends to net income (ytd only)* | 101.0579% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 1,634 |
| Loan loss allowance to noncurrent loans | 125.7012% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 1,664 |
| Noncurrent loans to loans | 1.2258% | 1,830 |
| Net loans and leases to total assets | 70.8020% | 2,375 |
| Net loans and leases to deposits | 82.5321% | 2,670 |
| Net loans and leases to core deposits | 90.3574% | 2,541 |
| Total domestic deposits to total assets | 85.7872% | 2,462 |
| Equity capital to assets | 11.5881% | 2,443 |
| Core capital (leverage) ratio | 9.5405% | 4,132 |
| Tier 1 risk-based capital ratio | 12.1068% | 4,722 |
| Total risk-based capital ratio | 13.3586% | 4,633 |
| Memoranda: | ||
| Average total assets | $206,684,250 | 2,903 |
| Average earning assets | $192,135,750 | 2,890 |
| Average equity | $22,966,000 | 2,916 |
| Average total loans | $144,096,000 | 2,719 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7345% | 4,171 |
| Cost of funding earning assets | 0.3893% | 3,157 |
| Net interest margin | 3.3452% | 4,079 |
| Noninterest income to average assets | 0.5050% | 3,163 |
| Noninterest expense to average assets | 2.5306% | 3,944 |
| Loan and lease loss provision to assets | 0.3055% | 574 |
| Net operating income to assets | 0.7923% | 3,346 |
| Return on assets (ROA) | 0.8057% | 3,419 |
| Pretax return on assets | 0.8076% | 4,257 |
| Return on Equity (ROE) | 7.3501% | 3,343 |
| Retained earnings to average equity (ytd only) | -2.1336% | 5,557 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4993% | 3,447 |
| Assets per employee ($millions) | 4.1017% | 3,737 |
| Cash dividends to net income (ytd only)* | 129.0284% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,986 |
| Loan loss allowance to noncurrent loans | 94.5487% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.2561% | 1,628 |
| Noncurrent loans to loans | 1.5543% | 1,391 |
| Net loans and leases to total assets | 69.1780% | 2,608 |
| Net loans and leases to deposits | 80.7553% | 2,847 |
| Net loans and leases to core deposits | 91.5210% | 2,385 |
| Total domestic deposits to total assets | 85.6636% | 2,576 |
| Equity capital to assets | 11.1406% | 2,907 |
| Core capital (leverage) ratio | 9.4788% | 4,234 |
| Tier 1 risk-based capital ratio | 11.6320% | 5,074 |
| Total risk-based capital ratio | 12.8826% | 4,972 |
| Memoranda: | ||
| Average total assets | $209,514,000 | 2,891 |
| Average earning assets | $195,742,670 | 2,863 |
| Average equity | $22,965,670 | 2,927 |
| Average total loans | $144,620,670 | 2,709 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6603% | 4,451 |
| Cost of funding earning assets | 0.3894% | 3,196 |
| Net interest margin | 3.2708% | 4,329 |
| Noninterest income to average assets | 0.4912% | 3,185 |
| Noninterest expense to average assets | 2.4465% | 4,235 |
| Loan and lease loss provision to assets | 0.1322% | 1,597 |
| Net operating income to assets | 0.9711% | 2,407 |
| Return on assets (ROA) | 0.9711% | 2,520 |
| Pretax return on assets | 0.9748% | 3,567 |
| Return on Equity (ROE) | 8.9296% | 2,457 |
| Retained earnings to average equity (ytd only) | 1.9110% | 4,490 |
| Net charge-offs to loans | 0.0028% | 3,027 |
| Credit loss provision to net charge-offs | 7,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | 586.0000% | 91 |
| Efficiency ratio | 66.6135% | 3,701 |
| Assets per employee ($millions) | 4.0500% | 3,863 |
| Cash dividends to net income (ytd only)* | 78.5992% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 2,983 |
| Loan loss allowance to noncurrent loans | 95.4964% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1595% | 1,893 |
| Noncurrent loans to loans | 1.3456% | 1,771 |
| Net loans and leases to total assets | 72.2327% | 1,999 |
| Net loans and leases to deposits | 84.5618% | 2,239 |
| Net loans and leases to core deposits | 99.6995% | 1,508 |
| Total domestic deposits to total assets | 85.4199% | 2,945 |
| Equity capital to assets | 11.6569% | 2,280 |
| Core capital (leverage) ratio | 9.6226% | 4,011 |
| Tier 1 risk-based capital ratio | 11.8544% | 5,005 |
| Total risk-based capital ratio | 13.0256% | 4,970 |
| Memoranda: | ||
| Average total assets | $211,727,500 | 2,875 |
| Average earning assets | $198,236,500 | 2,839 |
| Average equity | $23,024,500 | 2,925 |
| Average total loans | $144,935,500 | 2,716 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,142 |
| Cost of funding earning assets | 0.3905% | 3,258 |
| Net interest margin | 3.3766% | 4,006 |
| Noninterest income to average assets | 0.5444% | 3,048 |
| Noninterest expense to average assets | 2.4267% | 4,448 |
| Loan and lease loss provision to assets | 0.1515% | 1,554 |
| Net operating income to assets | 1.1211% | 1,832 |
| Return on assets (ROA) | 1.1173% | 1,910 |
| Pretax return on assets | 1.1182% | 2,971 |
| Return on Equity (ROE) | 10.2977% | 1,883 |
| Retained earnings to average equity (ytd only) | 0.5760% | 5,285 |
| Net charge-offs to loans | 0.0141% | 4,013 |
| Credit loss provision to net charge-offs | 1,600.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 134.5000% | 459 |
| Efficiency ratio | 63.2549% | 4,402 |
| Assets per employee ($millions) | 4.5920% | 2,890 |
| Cash dividends to net income (ytd only)* | 94.4068% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2415% | 3,234 |
| Loan loss allowance to noncurrent loans | 103.7551% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.9235% | 2,359 |
| Noncurrent loans to loans | 1.1966% | 1,971 |
| Net loans and leases to total assets | 63.4934% | 3,347 |
| Net loans and leases to deposits | 71.9573% | 3,724 |
| Net loans and leases to core deposits | 82.3319% | 3,108 |
| Total domestic deposits to total assets | 88.2376% | 1,518 |
| Equity capital to assets | 10.1846% | 3,766 |
| Core capital (leverage) ratio | 9.1559% | 4,676 |
| Tier 1 risk-based capital ratio | 11.7100% | 5,126 |
| Total risk-based capital ratio | 12.8284% | 5,114 |
| Memoranda: | ||
| Average total assets | $211,229,200 | 2,834 |
| Average earning assets | $197,419,800 | 2,808 |
| Average equity | $22,917,800 | 2,885 |
| Average total loans | $142,024,000 | 2,703 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 4,056 |
| Cost of funding earning assets | 0.3897% | 3,329 |
| Net interest margin | 3.4207% | 3,870 |
| Noninterest income to average assets | 0.5608% | 2,978 |
| Noninterest expense to average assets | 2.4897% | 4,227 |
| Loan and lease loss provision to assets | 0.1540% | 1,412 |
| Net operating income to assets | 1.1095% | 1,964 |
| Return on assets (ROA) | 1.1043% | 2,066 |
| Pretax return on assets | 1.1056% | 3,200 |
| Return on Equity (ROE) | 10.0122% | 2,097 |
| Retained earnings to average equity (ytd only) | -0.1978% | 5,638 |
| Net charge-offs to loans | 0.0047% | 4,009 |
| Credit loss provision to net charge-offs | 4,800.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 393.9925% | 194 |
| Efficiency ratio | 63.9720% | 4,253 |
| Assets per employee ($millions) | 3.9861% | 3,898 |
| Cash dividends to net income (ytd only)* | 101.9755% | 354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 3,839 |
| Loan loss allowance to noncurrent loans | 115.3231% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9223% | 2,551 |
| Noncurrent loans to loans | 1.0109% | 2,456 |
| Net loans and leases to total assets | 72.1869% | 2,032 |
| Net loans and leases to deposits | 83.2958% | 2,490 |
| Net loans and leases to core deposits | 97.0074% | 1,793 |
| Total domestic deposits to total assets | 86.6633% | 2,200 |
| Equity capital to assets | 11.2652% | 2,738 |
| Core capital (leverage) ratio | 9.2317% | 4,690 |
| Tier 1 risk-based capital ratio | 11.4674% | 5,392 |
| Total risk-based capital ratio | 12.5336% | 5,399 |
| Memoranda: | ||
| Average total assets | $207,785,000 | 2,897 |
| Average earning assets | $193,992,000 | 2,871 |
| Average equity | $22,918,250 | 2,906 |
| Average total loans | $141,365,000 | 2,728 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 4,397 |
| Cost of funding earning assets | 0.3758% | 3,545 |
| Net interest margin | 3.3278% | 4,183 |
| Noninterest income to average assets | 0.5313% | 3,160 |
| Noninterest expense to average assets | 2.4933% | 4,263 |
| Loan and lease loss provision to assets | 0.0191% | 3,749 |
| Net operating income to assets | 1.1229% | 1,865 |
| Return on assets (ROA) | 1.1143% | 1,979 |
| Pretax return on assets | 1.1162% | 3,106 |
| Return on Equity (ROE) | 10.1727% | 1,992 |
| Retained earnings to average equity (ytd only) | -0.0872% | 5,525 |
| Net charge-offs to loans | 0.0029% | 3,806 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 598.5000% | 111 |
| Efficiency ratio | 66.1587% | 3,978 |
| Assets per employee ($millions) | 4.0953% | 3,691 |
| Cash dividends to net income (ytd only)* | 100.8576% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,649 |
| Loan loss allowance to noncurrent loans | 147.4197% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 3,268 |
| Noncurrent loans to loans | 0.7065% | 3,372 |
| Net loans and leases to total assets | 70.2500% | 2,282 |
| Net loans and leases to deposits | 88.3602% | 1,788 |
| Net loans and leases to core deposits | 93.9501% | 1,960 |
| Total domestic deposits to total assets | 79.5041% | 4,979 |
| Equity capital to assets | 11.1456% | 2,725 |
| Core capital (leverage) ratio | 9.5116% | 4,266 |
| Tier 1 risk-based capital ratio | 11.7200% | 5,326 |
| Total risk-based capital ratio | 12.6727% | 5,438 |
| Memoranda: | ||
| Average total assets | $209,283,670 | 2,898 |
| Average earning assets | $195,326,000 | 2,871 |
| Average equity | $22,924,000 | 2,921 |
| Average total loans | $138,993,670 | 2,763 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6119% | 4,650 |
| Cost of funding earning assets | 0.3725% | 3,618 |
| Net interest margin | 3.2394% | 4,457 |
| Noninterest income to average assets | 0.5351% | 3,054 |
| Noninterest expense to average assets | 2.4222% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1345% | 1,747 |
| Return on assets (ROA) | 1.1364% | 1,845 |
| Pretax return on assets | 1.1402% | 2,904 |
| Return on Equity (ROE) | 10.4635% | 1,806 |
| Retained earnings to average equity (ytd only) | 0.0174% | 5,363 |
| Net charge-offs to loans | 0.0118% | 2,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 356 |
| Efficiency ratio | 65.6399% | 4,218 |
| Assets per employee ($millions) | 4.3417% | 3,304 |
| Cash dividends to net income (ytd only)* | 99.8336% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 4,447 |
| Loan loss allowance to noncurrent loans | 184.8823% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 3,119 |
| Noncurrent loans to loans | 0.6016% | 3,772 |
| Net loans and leases to total assets | 66.4181% | 2,705 |
| Net loans and leases to deposits | 76.8089% | 2,958 |
| Net loans and leases to core deposits | 81.3703% | 3,021 |
| Total domestic deposits to total assets | 86.4719% | 2,681 |
| Equity capital to assets | 11.5453% | 2,426 |
| Core capital (leverage) ratio | 9.1971% | 4,719 |
| Tier 1 risk-based capital ratio | 12.1579% | 5,145 |
| Total risk-based capital ratio | 13.1322% | 5,209 |
| Memoranda: | ||
| Average total assets | $211,544,000 | 2,893 |
| Average earning assets | $197,566,500 | 2,865 |
| Average equity | $22,975,000 | 2,933 |
| Average total loans | $135,810,500 | 2,811 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 5,135 |
| Cost of funding earning assets | 0.4035% | 3,661 |
| Net interest margin | 3.1765% | 4,999 |
| Noninterest income to average assets | 0.4955% | 3,548 |
| Noninterest expense to average assets | 2.2748% | 5,176 |
| Loan and lease loss provision to assets | 0.0115% | 4,393 |
| Net operating income to assets | 1.1679% | 1,681 |
| Return on assets (ROA) | 1.1679% | 1,759 |
| Pretax return on assets | 1.1683% | 2,787 |
| Return on Equity (ROE) | 11.0615% | 1,709 |
| Retained earnings to average equity (ytd only) | -0.5948% | 5,862 |
| Net charge-offs to loans | 0.0652% | 3,553 |
| Credit loss provision to net charge-offs | 29.4118% | 3,841 |
| Earnings coverage of net charge-offs (x) | 30.2824% | 1,326 |
| Efficiency ratio | 63.4337% | 4,679 |
| Assets per employee ($millions) | 4.8559% | 2,529 |
| Cash dividends to net income (ytd only)* | 105.3768% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0882% | 4,598 |
| Loan loss allowance to noncurrent loans | 264.7788% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 3,737 |
| Noncurrent loans to loans | 0.4110% | 4,410 |
| Net loans and leases to total assets | 60.8784% | 3,656 |
| Net loans and leases to deposits | 68.4444% | 4,083 |
| Net loans and leases to core deposits | 72.0411% | 4,118 |
| Total domestic deposits to total assets | 88.9457% | 1,266 |
| Equity capital to assets | 10.2485% | 3,792 |
| Core capital (leverage) ratio | 8.8498% | 5,187 |
| Tier 1 risk-based capital ratio | 12.5140% | 5,031 |
| Total risk-based capital ratio | 13.5353% | 5,082 |
| Memoranda: | ||
| Average total assets | $218,172,400 | 2,800 |
| Average earning assets | $203,244,600 | 2,770 |
| Average equity | $23,034,800 | 2,844 |
| Average total loans | $130,412,200 | 2,860 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 5,216 |
| Cost of funding earning assets | 0.4110% | 3,669 |
| Net interest margin | 3.1614% | 5,088 |
| Noninterest income to average assets | 0.4992% | 3,550 |
| Noninterest expense to average assets | 2.2938% | 5,129 |
| Loan and lease loss provision to assets | 0.0154% | 4,099 |
| Net operating income to assets | 1.1306% | 1,929 |
| Return on assets (ROA) | 1.1300% | 1,995 |
| Pretax return on assets | 1.1306% | 3,068 |
| Return on Equity (ROE) | 10.6223% | 1,937 |
| Retained earnings to average equity (ytd only) | -0.7860% | 5,932 |
| Net charge-offs to loans | 0.0104% | 4,375 |
| Credit loss provision to net charge-offs | 250.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 186.5416% | 344 |
| Efficiency ratio | 64.2244% | 4,504 |
| Assets per employee ($millions) | 4.5070% | 2,958 |
| Cash dividends to net income (ytd only)* | 107.3990% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 4,708 |
| Loan loss allowance to noncurrent loans | 336.4026% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 3,931 |
| Noncurrent loans to loans | 0.3295% | 4,918 |
| Net loans and leases to total assets | 66.1669% | 2,833 |
| Net loans and leases to deposits | 76.7811% | 3,100 |
| Net loans and leases to core deposits | 80.6286% | 3,235 |
| Total domestic deposits to total assets | 86.1760% | 2,771 |
| Equity capital to assets | 10.8560% | 3,119 |
| Core capital (leverage) ratio | 8.8989% | 5,197 |
| Tier 1 risk-based capital ratio | 12.1072% | 5,421 |
| Total risk-based capital ratio | 13.1475% | 5,474 |
| Memoranda: | ||
| Average total assets | $216,873,000 | 2,840 |
| Average earning assets | $201,761,500 | 2,807 |
| Average equity | $23,070,500 | 2,847 |
| Average total loans | $128,645,250 | 2,899 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4845% | 5,442 |
| Cost of funding earning assets | 0.4138% | 3,729 |
| Net interest margin | 3.0707% | 5,344 |
| Noninterest income to average assets | 0.4713% | 3,701 |
| Noninterest expense to average assets | 2.2777% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0450% | 2,138 |
| Return on assets (ROA) | 1.0460% | 2,200 |
| Pretax return on assets | 1.0469% | 3,294 |
| Return on Equity (ROE) | 9.8981% | 2,199 |
| Retained earnings to average equity (ytd only) | -0.5023% | 5,772 |
| Net charge-offs to loans | 0.0032% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 571.5000% | 124 |
| Efficiency ratio | 66.0242% | 4,366 |
| Assets per employee ($millions) | 4.2642% | 3,345 |
| Cash dividends to net income (ytd only)* | 105.0744% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 4,421 |
| Loan loss allowance to noncurrent loans | 310.8000% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 3,440 |
| Noncurrent loans to loans | 0.3864% | 4,834 |
| Net loans and leases to total assets | 59.9586% | 3,720 |
| Net loans and leases to deposits | 71.0098% | 3,701 |
| Net loans and leases to core deposits | 74.1874% | 3,819 |
| Total domestic deposits to total assets | 84.4371% | 3,757 |
| Equity capital to assets | 10.8606% | 3,018 |
| Core capital (leverage) ratio | 9.0856% | 4,892 |
| Tier 1 risk-based capital ratio | 12.8432% | 5,010 |
| Total risk-based capital ratio | 13.9328% | 5,041 |
| Memoranda: | ||
| Average total assets | $218,554,670 | 2,829 |
| Average earning assets | $203,012,670 | 2,805 |
| Average equity | $23,095,330 | 2,839 |
| Average total loans | $124,283,330 | 2,985 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 5,685 |
| Cost of funding earning assets | 0.4152% | 3,814 |
| Net interest margin | 2.9686% | 5,601 |
| Noninterest income to average assets | 0.4285% | 3,963 |
| Noninterest expense to average assets | 2.2692% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9113% | 2,598 |
| Return on assets (ROA) | 0.9149% | 2,649 |
| Pretax return on assets | 0.9167% | 3,639 |
| Return on Equity (ROE) | 8.7752% | 2,561 |
| Retained earnings to average equity (ytd only) | 0.1561% | 5,499 |
| Net charge-offs to loans | 0.0230% | 3,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 72.1429% | 579 |
| Efficiency ratio | 68.6932% | 4,064 |
| Assets per employee ($millions) | 4.4903% | 2,988 |
| Cash dividends to net income (ytd only)* | 98.2213% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 4,282 |
| Loan loss allowance to noncurrent loans | 274.6454% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.8842% | 3,526 |
| Noncurrent loans to loans | 0.4623% | 4,769 |
| Net loans and leases to total assets | 57.0730% | 3,990 |
| Net loans and leases to deposits | 66.6390% | 4,009 |
| Net loans and leases to core deposits | 70.0316% | 4,091 |
| Total domestic deposits to total assets | 85.6450% | 3,535 |
| Equity capital to assets | 10.9244% | 2,790 |
| Core capital (leverage) ratio | 8.9910% | 5,023 |
| Tier 1 risk-based capital ratio | 13.7522% | 4,498 |
| Total risk-based capital ratio | 14.9138% | 4,518 |
| Memoranda: | ||
| Average total assets | $221,226,000 | 2,819 |
| Average earning assets | $205,217,000 | 2,795 |
| Average equity | $23,065,000 | 2,841 |
| Average total loans | $121,728,500 | 3,040 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 5,490 |
| Cost of funding earning assets | 0.4871% | 3,743 |
| Net interest margin | 3.0797% | 5,374 |
| Noninterest income to average assets | 0.4970% | 3,784 |
| Noninterest expense to average assets | 2.2264% | 5,567 |
| Loan and lease loss provision to assets | 0.0697% | 3,732 |
| Net operating income to assets | 1.0461% | 2,131 |
| Return on assets (ROA) | 1.0465% | 2,201 |
| Pretax return on assets | 1.0475% | 3,160 |
| Return on Equity (ROE) | 9.6733% | 2,254 |
| Retained earnings to average equity (ytd only) | 0.9489% | 5,412 |
| Net charge-offs to loans | 0.0716% | 4,205 |
| Credit loss provision to net charge-offs | 182.9268% | 1,255 |
| Earnings coverage of net charge-offs (x) | 29.3171% | 1,208 |
| Efficiency ratio | 63.9850% | 4,901 |
| Assets per employee ($millions) | 4.9236% | 2,281 |
| Cash dividends to net income (ytd only)* | 90.1909% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,233 |
| Loan loss allowance to noncurrent loans | 155.2894% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 3,404 |
| Noncurrent loans to loans | 0.8250% | 3,914 |
| Net loans and leases to total assets | 51.8145% | 4,881 |
| Net loans and leases to deposits | 58.1356% | 5,110 |
| Net loans and leases to core deposits | 60.7881% | 5,156 |
| Total domestic deposits to total assets | 89.1271% | 1,532 |
| Equity capital to assets | 9.9715% | 3,813 |
| Core capital (leverage) ratio | 8.8434% | 5,223 |
| Tier 1 risk-based capital ratio | 13.6411% | 4,557 |
| Total risk-based capital ratio | 14.8020% | 4,565 |
| Memoranda: | ||
| Average total assets | $215,281,600 | 2,860 |
| Average earning assets | $198,948,800 | 2,837 |
| Average equity | $23,291,000 | 2,789 |
| Average total loans | $114,489,400 | 3,163 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6201% | 5,385 |
| Cost of funding earning assets | 0.5098% | 3,676 |
| Net interest margin | 3.1102% | 5,292 |
| Noninterest income to average assets | 0.5100% | 3,734 |
| Noninterest expense to average assets | 2.3252% | 5,257 |
| Loan and lease loss provision to assets | 0.0757% | 3,543 |
| Net operating income to assets | 0.9802% | 2,467 |
| Return on assets (ROA) | 0.9808% | 2,567 |
| Pretax return on assets | 0.9821% | 3,578 |
| Return on Equity (ROE) | 8.8753% | 2,696 |
| Retained earnings to average equity (ytd only) | -0.5026% | 6,042 |
| Net charge-offs to loans | 0.0686% | 3,939 |
| Credit loss provision to net charge-offs | 206.8966% | 1,172 |
| Earnings coverage of net charge-offs (x) | 28.8799% | 1,268 |
| Efficiency ratio | 65.8705% | 4,510 |
| Assets per employee ($millions) | 4.4473% | 2,963 |
| Cash dividends to net income (ytd only)* | 105.6628% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,306 |
| Loan loss allowance to noncurrent loans | 215.5772% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0783% | 3,504 |
| Noncurrent loans to loans | 0.6104% | 4,675 |
| Net loans and leases to total assets | 56.8246% | 4,203 |
| Net loans and leases to deposits | 66.1590% | 4,288 |
| Net loans and leases to core deposits | 69.6675% | 4,361 |
| Total domestic deposits to total assets | 85.8909% | 3,323 |
| Equity capital to assets | 11.1865% | 2,577 |
| Core capital (leverage) ratio | 8.9267% | 5,231 |
| Tier 1 risk-based capital ratio | 13.4154% | 4,824 |
| Total risk-based capital ratio | 14.5745% | 4,827 |
| Memoranda: | ||
| Average total assets | $211,249,500 | 2,931 |
| Average earning assets | $195,092,500 | 2,911 |
| Average equity | $23,345,000 | 2,814 |
| Average total loans | $112,746,750 | 3,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5661% | 5,540 |
| Cost of funding earning assets | 0.5155% | 3,747 |
| Net interest margin | 3.0506% | 5,427 |
| Noninterest income to average assets | 0.4750% | 3,996 |
| Noninterest expense to average assets | 2.2879% | 5,402 |
| Loan and lease loss provision to assets | 0.0234% | 4,446 |
| Net operating income to assets | 0.9781% | 2,420 |
| Return on assets (ROA) | 0.9781% | 2,571 |
| Pretax return on assets | 0.9800% | 3,603 |
| Return on Equity (ROE) | 8.8857% | 2,663 |
| Retained earnings to average equity (ytd only) | 1.4384% | 5,298 |
| Net charge-offs to loans | -0.0108% | 5,784 |
| Credit loss provision to net charge-offs | -416.6667% | 5,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0689% | 4,536 |
| Assets per employee ($millions) | 4.0878% | 3,606 |
| Cash dividends to net income (ytd only)* | 83.8123% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,408 |
| Loan loss allowance to noncurrent loans | 145.0812% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2401% | 3,271 |
| Noncurrent loans to loans | 0.9095% | 4,107 |
| Net loans and leases to total assets | 56.7163% | 4,174 |
| Net loans and leases to deposits | 66.4998% | 4,202 |
| Net loans and leases to core deposits | 70.3306% | 4,234 |
| Total domestic deposits to total assets | 85.2879% | 3,746 |
| Equity capital to assets | 11.4391% | 2,345 |
| Core capital (leverage) ratio | 9.2210% | 4,665 |
| Tier 1 risk-based capital ratio | 13.8007% | 4,564 |
| Total risk-based capital ratio | 14.9547% | 4,603 |
| Memoranda: | ||
| Average total assets | $213,473,670 | 2,923 |
| Average earning assets | $197,076,330 | 2,901 |
| Average equity | $23,498,330 | 2,821 |
| Average total loans | $111,062,330 | 3,253 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4510% | 5,830 |
| Cost of funding earning assets | 0.5186% | 3,895 |
| Net interest margin | 2.9324% | 5,752 |
| Noninterest income to average assets | 0.3763% | 4,657 |
| Noninterest expense to average assets | 2.1903% | 5,716 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8852% | 2,721 |
| Return on assets (ROA) | 0.8852% | 2,867 |
| Pretax return on assets | 0.8889% | 3,802 |
| Return on Equity (ROE) | 8.1880% | 2,885 |
| Retained earnings to average equity (ytd only) | 0.8575% | 5,500 |
| Net charge-offs to loans | -0.0073% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5915% | 4,392 |
| Assets per employee ($millions) | 4.4247% | 3,111 |
| Cash dividends to net income (ytd only)* | 89.5277% | 756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,238 |
| Loan loss allowance to noncurrent loans | 169.7039% | 2,155 |
| Noncurrent assets plus other real estate owned to assets | 1.1374% | 3,669 |
| Noncurrent loans to loans | 0.8243% | 4,475 |
| Net loans and leases to total assets | 51.6037% | 4,755 |
| Net loans and leases to deposits | 59.5850% | 4,846 |
| Net loans and leases to core deposits | 63.1606% | 4,830 |
| Total domestic deposits to total assets | 86.6052% | 3,177 |
| Equity capital to assets | 11.6801% | 2,272 |
| Core capital (leverage) ratio | 8.8271% | 5,142 |
| Tier 1 risk-based capital ratio | 14.5184% | 4,159 |
| Total risk-based capital ratio | 15.7211% | 4,161 |
| Memoranda: | ||
| Average total assets | $220,058,500 | 2,871 |
| Average earning assets | $202,837,500 | 2,869 |
| Average equity | $23,791,000 | 2,825 |
| Average total loans | $109,031,500 | 3,307 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0424% | 5,178 |
| Cost of funding earning assets | 0.7198% | 3,329 |
| Net interest margin | 3.3226% | 5,172 |
| Noninterest income to average assets | 0.3611% | 4,899 |
| Noninterest expense to average assets | 2.2887% | 5,718 |
| Loan and lease loss provision to assets | 0.1084% | 4,279 |
| Net operating income to assets | 1.0119% | 2,285 |
| Return on assets (ROA) | 1.1286% | 2,015 |
| Pretax return on assets | 1.1295% | 3,055 |
| Return on Equity (ROE) | 9.9193% | 2,204 |
| Retained earnings to average equity (ytd only) | 3.5756% | 3,691 |
| Net charge-offs to loans | 0.1467% | 4,228 |
| Credit loss provision to net charge-offs | 138.5093% | 1,991 |
| Earnings coverage of net charge-offs (x) | 14.3292% | 1,743 |
| Efficiency ratio | 63.6830% | 4,944 |
| Assets per employee ($millions) | 5.0337% | 2,193 |
| Cash dividends to net income (ytd only)* | 63.9535% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,475 |
| Loan loss allowance to noncurrent loans | 178.2036% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 1.0483% | 3,937 |
| Noncurrent loans to loans | 0.7486% | 4,680 |
| Net loans and leases to total assets | 46.5181% | 5,568 |
| Net loans and leases to deposits | 52.2160% | 5,787 |
| Net loans and leases to core deposits | 54.6868% | 5,825 |
| Total domestic deposits to total assets | 89.0880% | 1,503 |
| Equity capital to assets | 10.0637% | 4,087 |
| Core capital (leverage) ratio | 8.5757% | 5,498 |
| Tier 1 risk-based capital ratio | 13.8835% | 4,462 |
| Total risk-based capital ratio | 15.0392% | 4,495 |
| Memoranda: | ||
| Average total assets | $205,748,600 | 2,976 |
| Average earning assets | $188,796,600 | 2,976 |
| Average equity | $23,408,800 | 2,809 |
| Average total loans | $109,716,800 | 3,303 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 4,721 |
| Cost of funding earning assets | 0.7742% | 3,155 |
| Net interest margin | 3.4531% | 4,836 |
| Noninterest income to average assets | 0.3999% | 4,638 |
| Noninterest expense to average assets | 2.4197% | 5,344 |
| Loan and lease loss provision to assets | 0.1165% | 4,101 |
| Net operating income to assets | 1.0274% | 2,373 |
| Return on assets (ROA) | 1.1890% | 1,958 |
| Pretax return on assets | 1.1903% | 3,020 |
| Return on Equity (ROE) | 10.1018% | 2,300 |
| Retained earnings to average equity (ytd only) | 4.7821% | 3,534 |
| Net charge-offs to loans | 0.1916% | 3,585 |
| Credit loss provision to net charge-offs | 110.1911% | 2,665 |
| Earnings coverage of net charge-offs (x) | 10.8343% | 2,142 |
| Efficiency ratio | 64.4570% | 4,726 |
| Assets per employee ($millions) | 4.3303% | 3,209 |
| Cash dividends to net income (ytd only)* | 52.6614% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2379% | 5,105 |
| Loan loss allowance to noncurrent loans | 166.7052% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 3,638 |
| Noncurrent loans to loans | 0.7426% | 4,933 |
| Net loans and leases to total assets | 57.7552% | 4,173 |
| Net loans and leases to deposits | 67.1186% | 4,320 |
| Net loans and leases to core deposits | 71.0599% | 4,369 |
| Total domestic deposits to total assets | 86.0494% | 3,230 |
| Equity capital to assets | 12.0841% | 2,188 |
| Core capital (leverage) ratio | 8.8912% | 5,208 |
| Tier 1 risk-based capital ratio | 13.3980% | 4,950 |
| Total risk-based capital ratio | 14.4826% | 5,038 |
| Memoranda: | ||
| Average total assets | $198,040,000 | 3,104 |
| Average earning assets | $181,515,000 | 3,098 |
| Average equity | $23,308,750 | 2,846 |
| Average total loans | $109,260,500 | 3,334 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2397% | 4,807 |
| Cost of funding earning assets | 0.7951% | 3,226 |
| Net interest margin | 3.4446% | 4,903 |
| Noninterest income to average assets | 0.3855% | 4,755 |
| Noninterest expense to average assets | 2.4082% | 5,430 |
| Loan and lease loss provision to assets | 0.1164% | 4,073 |
| Net operating income to assets | 1.0109% | 2,418 |
| Return on assets (ROA) | 0.9845% | 2,766 |
| Pretax return on assets | 0.9866% | 3,758 |
| Return on Equity (ROE) | 8.4408% | 3,050 |
| Retained earnings to average equity (ytd only) | 1.0237% | 5,669 |
| Net charge-offs to loans | 0.1947% | 3,419 |
| Credit loss provision to net charge-offs | 110.5769% | 2,458 |
| Earnings coverage of net charge-offs (x) | 10.7308% | 2,024 |
| Efficiency ratio | 64.6167% | 4,780 |
| Assets per employee ($millions) | 4.1335% | 3,597 |
| Cash dividends to net income (ytd only)* | 87.8726% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2882% | 4,938 |
| Loan loss allowance to noncurrent loans | 175.6724% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.3881% | 3,649 |
| Noncurrent loans to loans | 0.7333% | 5,040 |
| Net loans and leases to total assets | 55.5011% | 4,543 |
| Net loans and leases to deposits | 63.7058% | 4,807 |
| Net loans and leases to core deposits | 67.2246% | 4,873 |
| Total domestic deposits to total assets | 87.1209% | 2,704 |
| Equity capital to assets | 11.7088% | 2,403 |
| Core capital (leverage) ratio | 8.7157% | 5,351 |
| Tier 1 risk-based capital ratio | 13.5094% | 4,814 |
| Total risk-based capital ratio | 14.6489% | 4,859 |
| Memoranda: | ||
| Average total assets | $197,654,670 | 3,111 |
| Average earning assets | $180,863,670 | 3,116 |
| Average equity | $23,054,670 | 2,848 |
| Average total loans | $106,851,330 | 3,406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 5,039 |
| Cost of funding earning assets | 0.8258% | 3,269 |
| Net interest margin | 3.3942% | 5,144 |
| Noninterest income to average assets | 0.3650% | 4,955 |
| Noninterest expense to average assets | 2.3946% | 5,490 |
| Loan and lease loss provision to assets | 0.1176% | 3,873 |
| Net operating income to assets | 0.9489% | 2,696 |
| Return on assets (ROA) | 0.8962% | 3,156 |
| Pretax return on assets | 0.9003% | 4,031 |
| Return on Equity (ROE) | 7.6982% | 3,412 |
| Retained earnings to average equity (ytd only) | 1.2540% | 5,593 |
| Net charge-offs to loans | 0.0191% | 4,423 |
| Credit loss provision to net charge-offs | 1,160.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 105.6000% | 329 |
| Efficiency ratio | 65.5939% | 4,635 |
| Assets per employee ($millions) | 4.1185% | 3,752 |
| Cash dividends to net income (ytd only)* | 83.7104% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 4,580 |
| Loan loss allowance to noncurrent loans | 122.2314% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.8175% | 3,151 |
| Noncurrent loans to loans | 1.1507% | 4,407 |
| Net loans and leases to total assets | 52.4453% | 4,953 |
| Net loans and leases to deposits | 61.0619% | 5,036 |
| Net loans and leases to core deposits | 64.6402% | 5,048 |
| Total domestic deposits to total assets | 85.8887% | 3,599 |
| Equity capital to assets | 11.6397% | 2,312 |
| Core capital (leverage) ratio | 8.7968% | 5,135 |
| Tier 1 risk-based capital ratio | 14.0423% | 4,441 |
| Total risk-based capital ratio | 15.2691% | 4,423 |
| Memoranda: | ||
| Average total assets | $197,278,500 | 3,144 |
| Average earning assets | $180,188,000 | 3,143 |
| Average equity | $22,966,500 | 2,856 |
| Average total loans | $104,499,500 | 3,491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 4,787 |
| Cost of funding earning assets | 1.0240% | 3,210 |
| Net interest margin | 3.5458% | 4,958 |
| Noninterest income to average assets | 0.2618% | 5,663 |
| Noninterest expense to average assets | 2.4619% | 5,592 |
| Loan and lease loss provision to assets | -0.1112% | 7,283 |
| Net operating income to assets | 1.1423% | 1,689 |
| Return on assets (ROA) | 1.1470% | 1,790 |
| Pretax return on assets | 1.1480% | 2,659 |
| Return on Equity (ROE) | 9.5488% | 2,229 |
| Retained earnings to average equity (ytd only) | -0.7164% | 5,964 |
| Net charge-offs to loans | 0.2113% | 4,465 |
| Credit loss provision to net charge-offs | -96.8037% | 6,699 |
| Earnings coverage of net charge-offs (x) | 8.9817% | 2,055 |
| Efficiency ratio | 66.8419% | 4,602 |
| Assets per employee ($millions) | 4.2798% | 3,303 |
| Cash dividends to net income (ytd only)* | 107.5023% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,589 |
| Loan loss allowance to noncurrent loans | 154.6638% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 3,425 |
| Noncurrent loans to loans | 0.8879% | 4,914 |
| Net loans and leases to total assets | 52.0224% | 5,309 |
| Net loans and leases to deposits | 61.3367% | 5,333 |
| Net loans and leases to core deposits | 65.4259% | 5,331 |
| Total domestic deposits to total assets | 84.8144% | 3,945 |
| Equity capital to assets | 11.6437% | 2,390 |
| Core capital (leverage) ratio | 8.8828% | 4,970 |
| Tier 1 risk-based capital ratio | 13.8558% | 4,434 |
| Total risk-based capital ratio | 15.0321% | 4,454 |
| Memoranda: | ||
| Average total assets | $190,585,600 | 3,178 |
| Average earning assets | $173,727,400 | 3,177 |
| Average equity | $22,893,000 | 2,791 |
| Average total loans | $103,644,400 | 3,527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6304% | 4,744 |
| Cost of funding earning assets | 1.0744% | 3,150 |
| Net interest margin | 3.5560% | 4,955 |
| Noninterest income to average assets | 0.2977% | 5,479 |
| Noninterest expense to average assets | 2.5641% | 5,219 |
| Loan and lease loss provision to assets | -0.0705% | 7,345 |
| Net operating income to assets | 1.0433% | 2,162 |
| Return on assets (ROA) | 1.0496% | 2,285 |
| Pretax return on assets | 1.0510% | 3,207 |
| Return on Equity (ROE) | 8.6690% | 2,758 |
| Retained earnings to average equity (ytd only) | 1.6837% | 5,296 |
| Net charge-offs to loans | 0.0193% | 5,880 |
| Credit loss provision to net charge-offs | -666.6667% | 6,706 |
| Earnings coverage of net charge-offs (x) | 92.0645% | 387 |
| Efficiency ratio | 68.8596% | 4,145 |
| Assets per employee ($millions) | 4.0742% | 3,688 |
| Cash dividends to net income (ytd only)* | 80.5781% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 3,318 |
| Loan loss allowance to noncurrent loans | 88.5613% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 2.1333% | 2,995 |
| Noncurrent loans to loans | 1.9027% | 3,500 |
| Net loans and leases to total assets | 53.0770% | 5,309 |
| Net loans and leases to deposits | 63.0240% | 5,288 |
| Net loans and leases to core deposits | 67.3856% | 5,257 |
| Total domestic deposits to total assets | 84.2171% | 4,131 |
| Equity capital to assets | 12.2782% | 2,034 |
| Core capital (leverage) ratio | 9.2338% | 4,566 |
| Tier 1 risk-based capital ratio | 14.5831% | 3,919 |
| Total risk-based capital ratio | 15.8360% | 3,885 |
| Memoranda: | ||
| Average total assets | $189,014,250 | 3,212 |
| Average earning assets | $172,250,250 | 3,214 |
| Average equity | $22,885,500 | 2,792 |
| Average total loans | $103,594,750 | 3,554 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6525% | 4,747 |
| Cost of funding earning assets | 1.1060% | 3,199 |
| Net interest margin | 3.5465% | 4,935 |
| Noninterest income to average assets | 0.2232% | 6,077 |
| Noninterest expense to average assets | 2.6239% | 5,096 |
| Loan and lease loss provision to assets | -0.1063% | 7,424 |
| Net operating income to assets | 0.9373% | 2,488 |
| Return on assets (ROA) | 0.9469% | 2,542 |
| Pretax return on assets | 0.9490% | 3,434 |
| Return on Equity (ROE) | 7.8582% | 3,009 |
| Retained earnings to average equity (ytd only) | 0.9966% | 5,468 |
| Net charge-offs to loans | 0.0154% | 5,629 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | 98.0000% | 370 |
| Efficiency ratio | 72.1795% | 3,699 |
| Assets per employee ($millions) | 3.8513% | 4,088 |
| Cash dividends to net income (ytd only)* | 87.3176% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 3,452 |
| Loan loss allowance to noncurrent loans | 110.7663% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.9590% | 3,291 |
| Noncurrent loans to loans | 1.4987% | 4,170 |
| Net loans and leases to total assets | 54.9008% | 5,164 |
| Net loans and leases to deposits | 65.4359% | 5,081 |
| Net loans and leases to core deposits | 70.4137% | 5,022 |
| Total domestic deposits to total assets | 83.9001% | 4,392 |
| Equity capital to assets | 12.3069% | 1,900 |
| Core capital (leverage) ratio | 9.3178% | 4,227 |
| Tier 1 risk-based capital ratio | 14.1901% | 4,025 |
| Total risk-based capital ratio | 15.4430% | 3,992 |
| Memoranda: | ||
| Average total assets | $188,190,330 | 3,252 |
| Average earning assets | $171,607,670 | 3,250 |
| Average equity | $22,677,000 | 2,796 |
| Average total loans | $103,667,330 | 3,590 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 4,755 |
| Cost of funding earning assets | 1.1444% | 3,194 |
| Net interest margin | 3.5011% | 5,008 |
| Noninterest income to average assets | 0.4193% | 4,546 |
| Noninterest expense to average assets | 2.6244% | 5,136 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9812% | 2,243 |
| Return on assets (ROA) | 0.9812% | 2,302 |
| Pretax return on assets | 0.9855% | 3,179 |
| Return on Equity (ROE) | 8.2310% | 2,817 |
| Retained earnings to average equity (ytd only) | 1.2141% | 5,336 |
| Net charge-offs to loans | -0.0272% | 6,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1627% | 4,440 |
| Assets per employee ($millions) | 3.8705% | 4,140 |
| Cash dividends to net income (ytd only)* | 85.2495% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,896 |
| Loan loss allowance to noncurrent loans | 82.5875% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 2.5411% | 2,689 |
| Noncurrent loans to loans | 2.2245% | 3,288 |
| Net loans and leases to total assets | 53.6074% | 5,363 |
| Net loans and leases to deposits | 65.2838% | 5,080 |
| Net loans and leases to core deposits | 70.2204% | 5,021 |
| Total domestic deposits to total assets | 82.1144% | 5,263 |
| Equity capital to assets | 12.0730% | 1,876 |
| Core capital (leverage) ratio | 9.2732% | 4,165 |
| Tier 1 risk-based capital ratio | 14.1879% | 3,943 |
| Total risk-based capital ratio | 15.4417% | 3,910 |
| Memoranda: | ||
| Average total assets | $187,928,000 | 3,266 |
| Average earning assets | $171,262,000 | 3,279 |
| Average equity | $22,403,000 | 2,814 |
| Average total loans | $102,823,500 | 3,644 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0301% | 4,410 |
| Cost of funding earning assets | 1.4048% | 3,238 |
| Net interest margin | 3.6253% | 4,703 |
| Noninterest income to average assets | 0.3469% | 5,320 |
| Noninterest expense to average assets | 2.5766% | 5,517 |
| Loan and lease loss provision to assets | 0.3442% | 4,079 |
| Net operating income to assets | 0.6848% | 3,280 |
| Return on assets (ROA) | 0.6975% | 3,367 |
| Pretax return on assets | 0.6986% | 3,982 |
| Return on Equity (ROE) | 5.8217% | 3,687 |
| Retained earnings to average equity (ytd only) | -0.6940% | 5,744 |
| Net charge-offs to loans | 0.2043% | 5,060 |
| Credit loss provision to net charge-offs | 303.7383% | 880 |
| Earnings coverage of net charge-offs (x) | 9.0888% | 1,878 |
| Efficiency ratio | 67.9001% | 4,583 |
| Assets per employee ($millions) | 3.8790% | 4,057 |
| Cash dividends to net income (ytd only)* | 111.9210% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7824% | 2,921 |
| Loan loss allowance to noncurrent loans | 139.1011% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 2.0082% | 3,336 |
| Noncurrent loans to loans | 1.2813% | 4,572 |
| Net loans and leases to total assets | 53.8386% | 5,654 |
| Net loans and leases to deposits | 63.4332% | 5,696 |
| Net loans and leases to core deposits | 68.0510% | 5,658 |
| Total domestic deposits to total assets | 84.8745% | 3,917 |
| Equity capital to assets | 11.7725% | 2,059 |
| Core capital (leverage) ratio | 8.9366% | 4,640 |
| Tier 1 risk-based capital ratio | 13.8857% | 3,937 |
| Total risk-based capital ratio | 15.1396% | 3,913 |
| Memoranda: | ||
| Average total assets | $188,817,600 | 3,244 |
| Average earning assets | $169,779,000 | 3,282 |
| Average equity | $22,622,400 | 2,814 |
| Average total loans | $104,757,400 | 3,661 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0955% | 4,344 |
| Cost of funding earning assets | 1.4498% | 3,276 |
| Net interest margin | 3.6458% | 4,651 |
| Noninterest income to average assets | 0.3636% | 5,248 |
| Noninterest expense to average assets | 2.6630% | 5,039 |
| Loan and lease loss provision to assets | 0.4598% | 3,175 |
| Net operating income to assets | 0.5050% | 4,291 |
| Return on assets (ROA) | 0.5220% | 4,392 |
| Pretax return on assets | 0.5234% | 4,843 |
| Return on Equity (ROE) | 4.3378% | 4,621 |
| Retained earnings to average equity (ytd only) | -0.8523% | 5,988 |
| Net charge-offs to loans | 0.2491% | 4,442 |
| Credit loss provision to net charge-offs | 331.6327% | 955 |
| Earnings coverage of net charge-offs (x) | 6.9693% | 2,412 |
| Efficiency ratio | 69.8499% | 4,096 |
| Assets per employee ($millions) | 3.8789% | 4,082 |
| Cash dividends to net income (ytd only)* | 119.6467% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 2,913 |
| Loan loss allowance to noncurrent loans | 130.2083% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 2.2343% | 3,156 |
| Noncurrent loans to loans | 1.3561% | 4,598 |
| Net loans and leases to total assets | 56.0241% | 5,543 |
| Net loans and leases to deposits | 66.1725% | 5,652 |
| Net loans and leases to core deposits | 71.1012% | 5,627 |
| Total domestic deposits to total assets | 84.6637% | 3,794 |
| Equity capital to assets | 12.3914% | 1,918 |
| Core capital (leverage) ratio | 9.2141% | 4,345 |
| Tier 1 risk-based capital ratio | 13.7335% | 4,030 |
| Total risk-based capital ratio | 14.9872% | 3,986 |
| Memoranda: | ||
| Average total assets | $188,504,500 | 3,290 |
| Average earning assets | $168,849,250 | 3,346 |
| Average equity | $22,684,000 | 2,844 |
| Average total loans | $104,899,750 | 3,709 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1236% | 4,328 |
| Cost of funding earning assets | 1.4784% | 3,376 |
| Net interest margin | 3.6451% | 4,602 |
| Noninterest income to average assets | 0.2885% | 5,842 |
| Noninterest expense to average assets | 2.6987% | 4,911 |
| Loan and lease loss provision to assets | 0.5812% | 2,448 |
| Net operating income to assets | 0.2581% | 5,345 |
| Return on assets (ROA) | 0.2832% | 5,401 |
| Pretax return on assets | 0.2853% | 5,540 |
| Return on Equity (ROE) | 2.3764% | 5,513 |
| Retained earnings to average equity (ytd only) | -2.8641% | 6,275 |
| Net charge-offs to loans | 0.3044% | 3,793 |
| Credit loss provision to net charge-offs | 345.9119% | 1,057 |
| Earnings coverage of net charge-offs (x) | 5.0063% | 2,782 |
| Efficiency ratio | 72.6269% | 3,719 |
| Assets per employee ($millions) | 3.6362% | 4,615 |
| Cash dividends to net income (ytd only)* | 220.5224% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6860% | 3,135 |
| Loan loss allowance to noncurrent loans | 121.7742% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 2.3617% | 3,060 |
| Noncurrent loans to loans | 1.3845% | 4,628 |
| Net loans and leases to total assets | 59.3030% | 5,197 |
| Net loans and leases to deposits | 68.8895% | 5,432 |
| Net loans and leases to core deposits | 74.0111% | 5,445 |
| Total domestic deposits to total assets | 86.0843% | 3,036 |
| Equity capital to assets | 12.6602% | 1,705 |
| Core capital (leverage) ratio | 9.1231% | 4,424 |
| Tier 1 risk-based capital ratio | 13.7116% | 3,930 |
| Total risk-based capital ratio | 14.9647% | 3,891 |
| Memoranda: | ||
| Average total assets | $189,277,330 | 3,314 |
| Average earning assets | $168,827,670 | 3,362 |
| Average equity | $22,555,000 | 2,852 |
| Average total loans | $104,471,670 | 3,757 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 5,225 |
| Cost of funding earning assets | 1.4900% | 3,621 |
| Net interest margin | 3.4629% | 5,323 |
| Noninterest income to average assets | 0.4455% | 4,517 |
| Noninterest expense to average assets | 2.7511% | 4,687 |
| Loan and lease loss provision to assets | 0.6159% | 2,068 |
| Net operating income to assets | 0.1526% | 5,847 |
| Return on assets (ROA) | 0.1848% | 5,865 |
| Pretax return on assets | 0.1889% | 5,905 |
| Return on Equity (ROE) | 1.5962% | 5,922 |
| Retained earnings to average equity (ytd only) | -4.1500% | 6,515 |
| Net charge-offs to loans | 0.1515% | 4,025 |
| Credit loss provision to net charge-offs | 769.2308% | 584 |
| Earnings coverage of net charge-offs (x) | 9.6410% | 1,827 |
| Efficiency ratio | 74.5921% | 3,469 |
| Assets per employee ($millions) | 3.9119% | 4,067 |
| Cash dividends to net income (ytd only)* | 360.0000% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,314 |
| Loan loss allowance to noncurrent loans | 132.5453% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 2.3017% | 3,150 |
| Noncurrent loans to loans | 1.2313% | 4,916 |
| Net loans and leases to total assets | 52.8879% | 6,162 |
| Net loans and leases to deposits | 61.2418% | 6,345 |
| Net loans and leases to core deposits | 64.8101% | 6,392 |
| Total domestic deposits to total assets | 86.3591% | 2,956 |
| Equity capital to assets | 11.7023% | 2,227 |
| Core capital (leverage) ratio | 8.7612% | 4,919 |
| Tier 1 risk-based capital ratio | 13.4713% | 4,002 |
| Total risk-based capital ratio | 14.7233% | 3,970 |
| Memoranda: | ||
| Average total assets | $194,829,500 | 3,289 |
| Average earning assets | $173,149,500 | 3,348 |
| Average equity | $22,554,000 | 2,871 |
| Average total loans | $102,970,500 | 3,857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6241% | 3,475 |
| Cost of funding earning assets | 1.7746% | 4,129 |
| Net interest margin | 3.8495% | 3,485 |
| Noninterest income to average assets | 0.4733% | 4,625 |
| Noninterest expense to average assets | 2.7109% | 5,339 |
| Loan and lease loss provision to assets | 0.6311% | 3,282 |
| Net operating income to assets | 0.5497% | 3,530 |
| Return on assets (ROA) | 0.4207% | 4,148 |
| Pretax return on assets | 0.4213% | 4,430 |
| Return on Equity (ROE) | 3.3576% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.1663% | 4,228 |
| Net charge-offs to loans | 1.5864% | 1,588 |
| Credit loss provision to net charge-offs | 71.1167% | 6,469 |
| Earnings coverage of net charge-offs (x) | 1.3313% | 4,801 |
| Efficiency ratio | 66.2210% | 5,352 |
| Assets per employee ($millions) | 4.1245% | 3,563 |
| Cash dividends to net income (ytd only)* | 65.2632% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 4,330 |
| Loan loss allowance to noncurrent loans | 92.6336% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 2.3917% | 2,911 |
| Noncurrent loans to loans | 1.4910% | 4,429 |
| Net loans and leases to total assets | 51.2491% | 6,506 |
| Net loans and leases to deposits | 60.2091% | 6,619 |
| Net loans and leases to core deposits | 71.5201% | 6,689 |
| Total domestic deposits to total assets | 85.1185% | 3,501 |
| Equity capital to assets | 11.4543% | 2,350 |
| Core capital (leverage) ratio | 8.9994% | 4,421 |
| Tier 1 risk-based capital ratio | 13.3882% | 3,894 |
| Total risk-based capital ratio | 14.5317% | 3,907 |
| Memoranda: | ||
| Average total assets | $180,643,000 | 3,427 |
| Average earning assets | $160,434,800 | 3,514 |
| Average equity | $22,635,000 | 2,871 |
| Average total loans | $101,048,200 | 3,917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7254% | 3,210 |
| Cost of funding earning assets | 1.8156% | 4,311 |
| Net interest margin | 3.9099% | 3,205 |
| Noninterest income to average assets | 0.5112% | 4,397 |
| Noninterest expense to average assets | 2.8858% | 4,520 |
| Loan and lease loss provision to assets | 0.6466% | 2,817 |
| Net operating income to assets | 0.4656% | 4,140 |
| Return on assets (ROA) | 0.2904% | 4,931 |
| Pretax return on assets | 0.2919% | 5,087 |
| Return on Equity (ROE) | 2.2630% | 5,075 |
| Retained earnings to average equity (ytd only) | 0.1179% | 5,151 |
| Net charge-offs to loans | 1.7576% | 1,148 |
| Credit loss provision to net charge-offs | 64.4796% | 6,094 |
| Earnings coverage of net charge-offs (x) | 1.1124% | 4,951 |
| Efficiency ratio | 68.7016% | 4,841 |
| Assets per employee ($millions) | 3.9432% | 3,845 |
| Cash dividends to net income (ytd only)* | 94.7909% | 658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,097 |
| Loan loss allowance to noncurrent loans | 35.8629% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 2.8895% | 2,402 |
| Noncurrent loans to loans | 3.8287% | 1,940 |
| Net loans and leases to total assets | 53.6239% | 6,431 |
| Net loans and leases to deposits | 64.5503% | 6,446 |
| Net loans and leases to core deposits | 76.6949% | 6,574 |
| Total domestic deposits to total assets | 83.0730% | 4,186 |
| Equity capital to assets | 11.9917% | 2,242 |
| Core capital (leverage) ratio | 8.9617% | 4,703 |
| Tier 1 risk-based capital ratio | 13.5242% | 3,831 |
| Total risk-based capital ratio | 14.6943% | 3,831 |
| Memoranda: | ||
| Average total assets | $176,309,250 | 3,518 |
| Average earning assets | $157,376,000 | 3,592 |
| Average equity | $22,624,500 | 2,899 |
| Average total loans | $100,589,500 | 3,963 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0039% | 2,168 |
| Cost of funding earning assets | 1.8768% | 4,384 |
| Net interest margin | 4.1271% | 2,233 |
| Noninterest income to average assets | 0.5024% | 4,423 |
| Noninterest expense to average assets | 2.9560% | 4,271 |
| Loan and lease loss provision to assets | 0.5814% | 2,698 |
| Net operating income to assets | 0.6096% | 3,639 |
| Return on assets (ROA) | 0.4082% | 4,589 |
| Pretax return on assets | 0.4105% | 4,903 |
| Return on Equity (ROE) | 3.1061% | 4,858 |
| Retained earnings to average equity (ytd only) | 1.0619% | 4,732 |
| Net charge-offs to loans | 1.5869% | 1,193 |
| Credit loss provision to net charge-offs | 63.1313% | 5,540 |
| Earnings coverage of net charge-offs (x) | 1.2980% | 4,551 |
| Efficiency ratio | 67.8431% | 5,182 |
| Assets per employee ($millions) | 3.5711% | 4,641 |
| Cash dividends to net income (ytd only)* | 65.8120% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6004% | 2,742 |
| Loan loss allowance to noncurrent loans | 45.7209% | 5,305 |
| Noncurrent assets plus other real estate owned to assets | 2.8248% | 2,274 |
| Noncurrent loans to loans | 3.5003% | 2,007 |
| Net loans and leases to total assets | 55.9397% | 6,214 |
| Net loans and leases to deposits | 66.4366% | 6,350 |
| Net loans and leases to core deposits | 79.3278% | 6,459 |
| Total domestic deposits to total assets | 84.2002% | 3,646 |
| Equity capital to assets | 12.8681% | 1,756 |
| Core capital (leverage) ratio | 10.0203% | 3,277 |
| Tier 1 risk-based capital ratio | 14.0690% | 3,478 |
| Total risk-based capital ratio | 15.3202% | 3,416 |
| Memoranda: | ||
| Average total assets | $171,988,330 | 3,602 |
| Average earning assets | $152,068,000 | 3,707 |
| Average equity | $22,600,330 | 2,902 |
| Average total loans | $99,816,670 | 4,022 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0702% | 2,075 |
| Cost of funding earning assets | 1.9635% | 4,314 |
| Net interest margin | 4.1067% | 2,247 |
| Noninterest income to average assets | 0.5232% | 4,113 |
| Noninterest expense to average assets | 2.6465% | 5,232 |
| Loan and lease loss provision to assets | 0.4692% | 2,598 |
| Net operating income to assets | 0.9948% | 2,330 |
| Return on assets (ROA) | 0.9948% | 2,466 |
| Pretax return on assets | 0.9995% | 3,347 |
| Return on Equity (ROE) | 7.4905% | 3,388 |
| Retained earnings to average equity (ytd only) | 5.1939% | 3,017 |
| Net charge-offs to loans | 1.1162% | 1,223 |
| Credit loss provision to net charge-offs | 71.6846% | 4,323 |
| Earnings coverage of net charge-offs (x) | 2.2437% | 3,615 |
| Efficiency ratio | 60.8894% | 6,269 |
| Assets per employee ($millions) | 3.3749% | 5,140 |
| Cash dividends to net income (ytd only)* | 30.6604% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8148% | 1,817 |
| Loan loss allowance to noncurrent loans | 42.2384% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 3.6095% | 1,471 |
| Noncurrent loans to loans | 4.2966% | 1,367 |
| Net loans and leases to total assets | 59.0198% | 5,805 |
| Net loans and leases to deposits | 70.6777% | 5,910 |
| Net loans and leases to core deposits | 85.8061% | 5,919 |
| Total domestic deposits to total assets | 83.5055% | 3,918 |
| Equity capital to assets | 13.7431% | 1,448 |
| Core capital (leverage) ratio | 10.2711% | 3,137 |
| Tier 1 risk-based capital ratio | 14.7103% | 3,197 |
| Total risk-based capital ratio | 15.9648% | 3,129 |
| Memoranda: | ||
| Average total assets | $170,491,000 | 3,642 |
| Average earning assets | $149,122,000 | 3,768 |
| Average equity | $22,642,000 | 2,905 |
| Average total loans | $99,986,500 | 4,029 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5460% | 2,740 |
| Cost of funding earning assets | 2.4859% | 4,279 |
| Net interest margin | 4.0601% | 2,873 |
| Noninterest income to average assets | 0.6187% | 3,723 |
| Noninterest expense to average assets | 2.8229% | 4,727 |
| Loan and lease loss provision to assets | 0.4055% | 3,253 |
| Net operating income to assets | 0.9847% | 2,611 |
| Return on assets (ROA) | 0.9940% | 2,461 |
| Pretax return on assets | 0.9958% | 3,395 |
| Return on Equity (ROE) | 7.7680% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.0258% | 2,011 |
| Net charge-offs to loans | 0.4941% | 2,381 |
| Credit loss provision to net charge-offs | 140.7258% | 3,771 |
| Earnings coverage of net charge-offs (x) | 4.8306% | 3,843 |
| Efficiency ratio | 63.6527% | 5,632 |
| Assets per employee ($millions) | 3.5122% | 4,623 |
| Cash dividends to net income (ytd only)* | 35.3010% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8734% | 1,476 |
| Loan loss allowance to noncurrent loans | 49.7886% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 2.8683% | 1,632 |
| Noncurrent loans to loans | 3.7626% | 1,325 |
| Net loans and leases to total assets | 56.1943% | 6,413 |
| Net loans and leases to deposits | 66.9948% | 6,563 |
| Net loans and leases to core deposits | 79.6815% | 6,640 |
| Total domestic deposits to total assets | 83.8787% | 3,382 |
| Equity capital to assets | 12.8448% | 1,853 |
| Core capital (leverage) ratio | 10.0886% | 3,368 |
| Tier 1 risk-based capital ratio | 14.1340% | 3,480 |
| Total risk-based capital ratio | 15.3887% | 3,398 |
| Memoranda: | ||
| Average total assets | $172,130,800 | 3,515 |
| Average earning assets | $152,459,400 | 3,606 |
| Average equity | $22,026,200 | 2,973 |
| Average total loans | $100,376,200 | 3,934 |