Home > Northern State Bank of Thief River Falls > Performance and Condition Ratios
Northern State Bank of Thief River Falls, 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 | 5.0175% | 3,090 |
| Cost of funding earning assets | 2.3255% | 1,175 |
| Net interest margin | 2.6920% | 3,846 |
| Noninterest income to average assets | 0.1500% | 3,849 |
| Noninterest expense to average assets | 1.5581% | 4,176 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.9181% | 2,514 |
| Return on assets (ROA) | 0.9181% | 2,521 |
| Pretax return on assets | 1.1256% | 2,431 |
| Return on Equity (ROE) | 9.0400% | 2,595 |
| Retained earnings to average equity (ytd only) | 9.0440% | 1,426 |
| Net charge-offs to loans | 0.0021% | 2,229 |
| Credit loss provision to net charge-offs | 7,500.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,366.0000% | 64 |
| Efficiency ratio | 56.6762% | 3,338 |
| Assets per employee ($millions) | 8.7619% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3881% | 1,338 |
| Loan loss allowance to noncurrent loans | 816.3142% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0741% | 3,165 |
| Noncurrent loans to loans | 0.1700% | 2,883 |
| Net loans and leases to total assets | 42.9600% | 3,878 |
| Net loans and leases to deposits | 48.1620% | 3,930 |
| Net loans and leases to core deposits | 49.3878% | 3,995 |
| Total domestic deposits to total assets | 89.1900% | 1,099 |
| Equity capital to assets | 10.5237% | 1,903 |
| Core capital (leverage) ratio | 10.5369% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5653% | 320 |
| Memoranda: | ||
| Average total assets | $458,760,000 | 1,906 |
| Average earning assets | $443,085,500 | 1,837 |
| Average equity | $46,572,500 | 1,852 |
| Average total loans | $194,767,000 | 2,445 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3005% | 2,527 |
| Cost of funding earning assets | 2.3925% | 1,367 |
| Net interest margin | 2.9081% | 3,310 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 1.5188% | 4,246 |
| Loan and lease loss provision to assets | 0.0200% | 2,766 |
| Net operating income to assets | 1.3214% | 1,237 |
| Return on assets (ROA) | 1.3214% | 1,236 |
| Pretax return on assets | 1.4974% | 1,289 |
| Return on Equity (ROE) | 13.2900% | 1,298 |
| Retained earnings to average equity (ytd only) | 5.4678% | 2,029 |
| Net charge-offs to loans | -0.0016% | 3,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 50.0829% | 3,989 |
| Assets per employee ($millions) | 9.4133% | 923 |
| Cash dividends to net income (ytd only)* | 58.8488% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 1,482 |
| Loan loss allowance to noncurrent loans | 239.1265% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 2,336 |
| Noncurrent loans to loans | 0.5639% | 1,668 |
| Net loans and leases to total assets | 40.8500% | 3,981 |
| Net loans and leases to deposits | 45.4026% | 4,040 |
| Net loans and leases to core deposits | 46.3502% | 4,083 |
| Total domestic deposits to total assets | 89.9700% | 825 |
| Equity capital to assets | 9.7987% | 2,249 |
| Core capital (leverage) ratio | 9.9840% | 2,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0850% | 330 |
| Memoranda: | ||
| Average total assets | $457,531,600 | 1,877 |
| Average earning assets | $440,635,600 | 1,820 |
| Average equity | $45,502,400 | 1,827 |
| Average total loans | $192,918,000 | 2,420 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 2,501 |
| Cost of funding earning assets | 2.3940% | 1,350 |
| Net interest margin | 2.8844% | 3,309 |
| Noninterest income to average assets | 0.2500% | 3,362 |
| Noninterest expense to average assets | 1.5116% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.2721% | 1,371 |
| Return on assets (ROA) | 1.2721% | 1,364 |
| Pretax return on assets | 1.5084% | 1,293 |
| Return on Equity (ROE) | 12.7400% | 1,431 |
| Retained earnings to average equity (ytd only) | 12.7425% | 417 |
| Net charge-offs to loans | -0.0021% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 50.0535% | 3,985 |
| Assets per employee ($millions) | 8.8004% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 1,711 |
| Loan loss allowance to noncurrent loans | 101.0689% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 1,248 |
| Noncurrent loans to loans | 1.2874% | 772 |
| Net loans and leases to total assets | 44.0100% | 3,896 |
| Net loans and leases to deposits | 49.6768% | 3,967 |
| Net loans and leases to core deposits | 50.6526% | 4,028 |
| Total domestic deposits to total assets | 88.6000% | 1,052 |
| Equity capital to assets | 10.9993% | 1,731 |
| Core capital (leverage) ratio | 10.6858% | 2,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6942% | 323 |
| Memoranda: | ||
| Average total assets | $454,248,500 | 1,882 |
| Average earning assets | $436,966,000 | 1,832 |
| Average equity | $45,348,250 | 1,833 |
| Average total loans | $192,426,750 | 2,413 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1439% | 2,674 |
| Cost of funding earning assets | 2.3479% | 1,351 |
| Net interest margin | 2.7960% | 3,429 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 1.4419% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.2018% | 1,467 |
| Return on assets (ROA) | 1.2018% | 1,465 |
| Pretax return on assets | 1.4815% | 1,315 |
| Return on Equity (ROE) | 12.4400% | 1,506 |
| Retained earnings to average equity (ytd only) | 12.4427% | 498 |
| Net charge-offs to loans | -0.0031% | 3,707 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 49.3218% | 4,048 |
| Assets per employee ($millions) | 9.0410% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 1,573 |
| Loan loss allowance to noncurrent loans | 141.0271% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,568 |
| Noncurrent loans to loans | 0.9506% | 992 |
| Net loans and leases to total assets | 42.4300% | 3,963 |
| Net loans and leases to deposits | 47.5531% | 4,033 |
| Net loans and leases to core deposits | 48.4167% | 4,084 |
| Total domestic deposits to total assets | 89.2200% | 935 |
| Equity capital to assets | 10.4122% | 1,857 |
| Core capital (leverage) ratio | 10.2762% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7144% | 323 |
| Memoranda: | ||
| Average total assets | $458,992,000 | 1,858 |
| Average earning assets | $442,275,333 | 1,812 |
| Average equity | $44,331,333 | 1,841 |
| Average total loans | $191,164,667 | 2,418 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 3,409 |
| Cost of funding earning assets | 2.3052% | 1,327 |
| Net interest margin | 2.3594% | 4,050 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 1.4373% | 4,339 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7623% | 2,645 |
| Return on assets (ROA) | 0.7623% | 2,657 |
| Pretax return on assets | 1.0476% | 2,264 |
| Return on Equity (ROE) | 8.2000% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.1964% | 1,506 |
| Net charge-offs to loans | -0.0063% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.8421% | 3,452 |
| Assets per employee ($millions) | 9.4787% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3314% | 1,642 |
| Loan loss allowance to noncurrent loans | 139.9452% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 1,561 |
| Noncurrent loans to loans | 0.9513% | 915 |
| Net loans and leases to total assets | 40.7500% | 4,004 |
| Net loans and leases to deposits | 45.2001% | 4,058 |
| Net loans and leases to core deposits | 46.1611% | 4,160 |
| Total domestic deposits to total assets | 90.1600% | 747 |
| Equity capital to assets | 9.5090% | 2,315 |
| Core capital (leverage) ratio | 9.8281% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6112% | 358 |
| Memoranda: | ||
| Average total assets | $466,983,000 | 1,846 |
| Average earning assets | $449,770,000 | 1,798 |
| Average equity | $43,433,500 | 1,854 |
| Average total loans | $191,492,000 | 2,416 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 2,734 |
| Cost of funding earning assets | 1.8386% | 1,187 |
| Net interest margin | 2.8340% | 3,599 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.5005% | 4,329 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5358% | 955 |
| Return on assets (ROA) | 1.5358% | 927 |
| Pretax return on assets | 1.7167% | 1,032 |
| Return on Equity (ROE) | 17.5800% | 879 |
| Retained earnings to average equity (ytd only) | 8.7637% | 1,311 |
| Net charge-offs to loans | 0.0034% | 2,643 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 1,290.1667% | 124 |
| Efficiency ratio | 46.6396% | 4,168 |
| Assets per employee ($millions) | 9.5819% | 805 |
| Cash dividends to net income (ytd only)* | 50.1372% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 1,629 |
| Loan loss allowance to noncurrent loans | 245.9981% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 2,116 |
| Noncurrent loans to loans | 0.5425% | 1,441 |
| Net loans and leases to total assets | 40.1700% | 4,035 |
| Net loans and leases to deposits | 44.3382% | 4,096 |
| Net loans and leases to core deposits | 45.2907% | 4,173 |
| Total domestic deposits to total assets | 90.6000% | 604 |
| Equity capital to assets | 9.0950% | 2,610 |
| Core capital (leverage) ratio | 9.5408% | 3,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3589% | 362 |
| Memoranda: | ||
| Average total assets | $450,910,600 | 1,857 |
| Average earning assets | $434,831,000 | 1,792 |
| Average equity | $39,401,200 | 1,906 |
| Average total loans | $176,818,000 | 2,474 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 2,827 |
| Cost of funding earning assets | 1.6705% | 1,235 |
| Net interest margin | 2.8669% | 3,605 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 1.4655% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6232% | 899 |
| Return on assets (ROA) | 1.6232% | 888 |
| Pretax return on assets | 1.8670% | 905 |
| Return on Equity (ROE) | 18.7800% | 848 |
| Retained earnings to average equity (ytd only) | 6.7778% | 2,363 |
| Net charge-offs to loans | 0.0008% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 6,249.0000% | 10 |
| Efficiency ratio | 43.9753% | 4,226 |
| Assets per employee ($millions) | 9.1553% | 883 |
| Cash dividends to net income (ytd only)* | 63.9058% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 1,442 |
| Loan loss allowance to noncurrent loans | 294.4700% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,302 |
| Noncurrent loans to loans | 0.4756% | 1,632 |
| Net loans and leases to total assets | 40.1200% | 4,052 |
| Net loans and leases to deposits | 44.2687% | 4,098 |
| Net loans and leases to core deposits | 45.1240% | 4,150 |
| Total domestic deposits to total assets | 90.6200% | 770 |
| Equity capital to assets | 9.0513% | 2,386 |
| Core capital (leverage) ratio | 9.4237% | 3,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7242% | 358 |
| Memoranda: | ||
| Average total assets | $446,260,250 | 1,867 |
| Average earning assets | $430,752,250 | 1,799 |
| Average equity | $38,576,000 | 1,915 |
| Average total loans | $173,235,250 | 2,505 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 2,651 |
| Cost of funding earning assets | 1.3886% | 1,476 |
| Net interest margin | 3.1080% | 3,208 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 1.4627% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9404% | 516 |
| Return on assets (ROA) | 1.9404% | 515 |
| Pretax return on assets | 2.2560% | 496 |
| Return on Equity (ROE) | 22.8100% | 498 |
| Retained earnings to average equity (ytd only) | 4.4855% | 3,085 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.3336% | 4,410 |
| Assets per employee ($millions) | 8.8476% | 958 |
| Cash dividends to net income (ytd only)* | 80.3332% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4455% | 1,371 |
| Loan loss allowance to noncurrent loans | 503.1496% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,715 |
| Noncurrent loans to loans | 0.2873% | 2,113 |
| Net loans and leases to total assets | 40.2000% | 4,031 |
| Net loans and leases to deposits | 44.2718% | 4,086 |
| Net loans and leases to core deposits | 45.0800% | 4,144 |
| Total domestic deposits to total assets | 90.7900% | 706 |
| Equity capital to assets | 8.9871% | 2,519 |
| Core capital (leverage) ratio | 8.9940% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1856% | 345 |
| Memoranda: | ||
| Average total assets | $445,477,667 | 1,870 |
| Average earning assets | $429,927,000 | 1,807 |
| Average equity | $37,899,667 | 1,944 |
| Average total loans | $170,139,000 | 2,524 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 3,388 |
| Cost of funding earning assets | 1.2323% | 1,374 |
| Net interest margin | 2.8024% | 3,939 |
| Noninterest income to average assets | 1.1700% | 458 |
| Noninterest expense to average assets | 1.4283% | 4,450 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.4455% | 259 |
| Return on assets (ROA) | 2.4455% | 256 |
| Pretax return on assets | 2.4472% | 382 |
| Return on Equity (ROE) | 29.5400% | 244 |
| Retained earnings to average equity (ytd only) | -7.6214% | 4,420 |
| Net charge-offs to loans | 0.0024% | 1,938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,762.0000% | 27 |
| Efficiency ratio | 36.8541% | 4,516 |
| Assets per employee ($millions) | 9.1976% | 872 |
| Cash dividends to net income (ytd only)* | 125.7971% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 1,069 |
| Loan loss allowance to noncurrent loans | 1,330.7292% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 3,359 |
| Noncurrent loans to loans | 0.1181% | 2,927 |
| Net loans and leases to total assets | 35.5000% | 4,209 |
| Net loans and leases to deposits | 38.7598% | 4,259 |
| Net loans and leases to core deposits | 39.2681% | 4,288 |
| Total domestic deposits to total assets | 91.5800% | 630 |
| Equity capital to assets | 8.2737% | 3,058 |
| Core capital (leverage) ratio | 8.6477% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2708% | 302 |
| Memoranda: | ||
| Average total assets | $451,449,500 | 1,875 |
| Average earning assets | $435,623,000 | 1,819 |
| Average equity | $37,368,500 | 1,989 |
| Average total loans | $166,799,000 | 2,573 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6967% | 4,404 |
| Cost of funding earning assets | 0.4516% | 1,714 |
| Net interest margin | 2.2451% | 4,456 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 1.3833% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0389% | 2,426 |
| Return on assets (ROA) | 1.0389% | 2,364 |
| Pretax return on assets | 1.0393% | 2,944 |
| Return on Equity (ROE) | 13.1200% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.3336% | 1,058 |
| Net charge-offs to loans | -0.0876% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0996% | 3,457 |
| Assets per employee ($millions) | 9.2289% | 847 |
| Cash dividends to net income (ytd only)* | 21.2465% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 1,221 |
| Loan loss allowance to noncurrent loans | 3,993.7500% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 3,728 |
| Noncurrent loans to loans | 0.0374% | 3,510 |
| Net loans and leases to total assets | 37.2600% | 4,168 |
| Net loans and leases to deposits | 40.6568% | 4,224 |
| Net loans and leases to core deposits | 41.1153% | 4,249 |
| Total domestic deposits to total assets | 91.6500% | 735 |
| Equity capital to assets | 8.2812% | 2,872 |
| Core capital (leverage) ratio | 8.7199% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6788% | 313 |
| Memoranda: | ||
| Average total assets | $449,431,600 | 1,857 |
| Average earning assets | $436,053,200 | 1,803 |
| Average equity | $35,583,000 | 2,084 |
| Average total loans | $154,062,400 | 2,598 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2959% | 4,536 |
| Cost of funding earning assets | 0.2928% | 2,246 |
| Net interest margin | 2.0031% | 4,549 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.3932% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7906% | 3,301 |
| Return on assets (ROA) | 0.7906% | 3,247 |
| Pretax return on assets | 0.7912% | 3,603 |
| Return on Equity (ROE) | 10.1000% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.3368% | 2,623 |
| Net charge-offs to loans | -0.0917% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.7786% | 2,581 |
| Assets per employee ($millions) | 9.0935% | 865 |
| Cash dividends to net income (ytd only)* | 37.2792% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 1,108 |
| Loan loss allowance to noncurrent loans | 3,005.9524% | 415 |
| Noncurrent assets plus other real estate owned to assets | 0.0420% | 3,488 |
| Noncurrent loans to loans | 0.0525% | 3,502 |
| Net loans and leases to total assets | 35.3600% | 4,256 |
| Net loans and leases to deposits | 38.4644% | 4,292 |
| Net loans and leases to core deposits | 38.8748% | 4,316 |
| Total domestic deposits to total assets | 91.9200% | 906 |
| Equity capital to assets | 7.9088% | 2,954 |
| Core capital (leverage) ratio | 8.5267% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2286% | 306 |
| Memoranda: | ||
| Average total assets | $448,735,500 | 1,865 |
| Average earning assets | $435,311,500 | 1,809 |
| Average equity | $35,116,500 | 2,137 |
| Average total loans | $149,812,500 | 2,642 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9939% | 4,622 |
| Cost of funding earning assets | 0.2291% | 2,518 |
| Net interest margin | 1.7648% | 4,638 |
| Noninterest income to average assets | 0.2423% | 3,720 |
| Noninterest expense to average assets | 1.3913% | 4,536 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5629% | 3,722 |
| Return on assets (ROA) | 0.5629% | 3,672 |
| Pretax return on assets | 0.5638% | 3,884 |
| Return on Equity (ROE) | 7.2187% | 3,245 |
| Retained earnings to average equity (ytd only) | 1.5624% | 3,870 |
| Net charge-offs to loans | -0.0970% | 4,434 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1622% | 1,811 |
| Assets per employee ($millions) | 9.4210% | 774 |
| Cash dividends to net income (ytd only)* | 78.3570% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6357% | 1,078 |
| Loan loss allowance to noncurrent loans | 387.1118% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 2,577 |
| Noncurrent loans to loans | 0.4225% | 1,849 |
| Net loans and leases to total assets | 32.4755% | 4,383 |
| Net loans and leases to deposits | 35.1469% | 4,420 |
| Net loans and leases to core deposits | 35.5218% | 4,450 |
| Total domestic deposits to total assets | 92.3993% | 690 |
| Equity capital to assets | 7.4733% | 3,498 |
| Core capital (leverage) ratio | 8.1995% | 4,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1871% | 286 |
| Memoranda: | ||
| Average total assets | $449,786,667 | 1,873 |
| Average earning assets | $436,531,667 | 1,820 |
| Average equity | $35,075,333 | 2,193 |
| Average total loans | $146,392,667 | 2,680 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1391% | 4,562 |
| Cost of funding earning assets | 0.2121% | 2,641 |
| Net interest margin | 1.9271% | 4,562 |
| Noninterest income to average assets | 0.2559% | 3,610 |
| Noninterest expense to average assets | 1.3680% | 4,563 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7534% | 2,842 |
| Return on assets (ROA) | 0.7534% | 2,835 |
| Pretax return on assets | 0.7552% | 3,243 |
| Return on Equity (ROE) | 9.4561% | 2,168 |
| Retained earnings to average equity (ytd only) | -1.7645% | 4,226 |
| Net charge-offs to loans | -0.0139% | 3,732 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4312% | 2,975 |
| Assets per employee ($millions) | 9.3742% | 802 |
| Cash dividends to net income (ytd only)* | 118.6603% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 1,021 |
| Loan loss allowance to noncurrent loans | 775.3994% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 3,379 |
| Noncurrent loans to loans | 0.2217% | 2,711 |
| Net loans and leases to total assets | 30.2048% | 4,443 |
| Net loans and leases to deposits | 32.7686% | 4,472 |
| Net loans and leases to core deposits | 33.1209% | 4,504 |
| Total domestic deposits to total assets | 92.1759% | 510 |
| Equity capital to assets | 7.5087% | 3,932 |
| Core capital (leverage) ratio | 8.2040% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6042% | 249 |
| Memoranda: | ||
| Average total assets | $443,864,500 | 1,899 |
| Average earning assets | $430,078,500 | 1,860 |
| Average equity | $35,363,500 | 2,242 |
| Average total loans | $143,384,000 | 2,707 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8942% | 4,697 |
| Cost of funding earning assets | 0.2570% | 2,845 |
| Net interest margin | 1.6372% | 4,703 |
| Noninterest income to average assets | 0.2781% | 3,721 |
| Noninterest expense to average assets | 1.5207% | 4,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3370% | 4,374 |
| Return on assets (ROA) | 0.3370% | 4,393 |
| Pretax return on assets | 0.3370% | 4,451 |
| Return on Equity (ROE) | 3.9274% | 4,228 |
| Retained earnings to average equity (ytd only) | 1.0434% | 4,249 |
| Net charge-offs to loans | -0.0047% | 3,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8589% | 688 |
| Assets per employee ($millions) | 8.7427% | 999 |
| Cash dividends to net income (ytd only)* | 73.4320% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 1,128 |
| Loan loss allowance to noncurrent loans | 565.8879% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 3,241 |
| Noncurrent loans to loans | 0.2940% | 2,535 |
| Net loans and leases to total assets | 33.4220% | 4,394 |
| Net loans and leases to deposits | 36.5960% | 4,456 |
| Net loans and leases to core deposits | 36.9404% | 4,495 |
| Total domestic deposits to total assets | 91.3271% | 376 |
| Equity capital to assets | 8.4588% | 4,075 |
| Core capital (leverage) ratio | 7.9991% | 4,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0145% | 277 |
| Memoranda: | ||
| Average total assets | $421,060,200 | 1,924 |
| Average earning assets | $406,247,000 | 1,884 |
| Average equity | $36,131,200 | 2,237 |
| Average total loans | $150,160,800 | 2,631 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9273% | 4,776 |
| Cost of funding earning assets | 0.2607% | 3,009 |
| Net interest margin | 1.6667% | 4,776 |
| Noninterest income to average assets | 0.2815% | 3,752 |
| Noninterest expense to average assets | 1.4369% | 4,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4510% | 4,295 |
| Return on assets (ROA) | 0.4510% | 4,329 |
| Pretax return on assets | 0.4510% | 4,428 |
| Return on Equity (ROE) | 5.2365% | 4,078 |
| Retained earnings to average equity (ytd only) | 1.3885% | 4,328 |
| Net charge-offs to loans | -0.0220% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1119% | 1,031 |
| Assets per employee ($millions) | 8.9479% | 908 |
| Cash dividends to net income (ytd only)* | 73.4838% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6126% | 1,308 |
| Loan loss allowance to noncurrent loans | 741.3374% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,604 |
| Noncurrent loans to loans | 0.2175% | 3,080 |
| Net loans and leases to total assets | 33.9403% | 4,470 |
| Net loans and leases to deposits | 37.1324% | 4,541 |
| Net loans and leases to core deposits | 37.4732% | 4,583 |
| Total domestic deposits to total assets | 91.4035% | 257 |
| Equity capital to assets | 8.3014% | 4,346 |
| Core capital (leverage) ratio | 8.0925% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7798% | 349 |
| Memoranda: | ||
| Average total assets | $419,226,750 | 1,947 |
| Average earning assets | $404,069,250 | 1,903 |
| Average equity | $36,104,750 | 2,270 |
| Average total loans | $151,301,000 | 2,657 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0088% | 4,802 |
| Cost of funding earning assets | 0.2645% | 3,143 |
| Net interest margin | 1.7443% | 4,803 |
| Noninterest income to average assets | 0.2732% | 3,769 |
| Noninterest expense to average assets | 1.4118% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5387% | 4,139 |
| Return on assets (ROA) | 0.5387% | 4,185 |
| Pretax return on assets | 0.5387% | 4,326 |
| Return on Equity (ROE) | 6.1765% | 3,862 |
| Retained earnings to average equity (ytd only) | 0.3888% | 4,453 |
| Net charge-offs to loans | -0.0198% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3795% | 1,393 |
| Assets per employee ($millions) | 9.2183% | 797 |
| Cash dividends to net income (ytd only)* | 93.7050% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 1,269 |
| Loan loss allowance to noncurrent loans | 195.1768% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 2,551 |
| Noncurrent loans to loans | 0.8202% | 1,500 |
| Net loans and leases to total assets | 33.0401% | 4,562 |
| Net loans and leases to deposits | 36.0108% | 4,633 |
| Net loans and leases to core deposits | 36.2851% | 4,663 |
| Total domestic deposits to total assets | 91.7504% | 181 |
| Equity capital to assets | 8.0049% | 4,529 |
| Core capital (leverage) ratio | 8.2540% | 4,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3032% | 328 |
| Memoranda: | ||
| Average total assets | $412,820,333 | 1,960 |
| Average earning assets | $396,948,667 | 1,920 |
| Average equity | $36,007,333 | 2,269 |
| Average total loans | $151,318,333 | 2,669 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9237% | 4,850 |
| Cost of funding earning assets | 0.2736% | 3,236 |
| Net interest margin | 1.6501% | 4,852 |
| Noninterest income to average assets | 0.2796% | 3,727 |
| Noninterest expense to average assets | 1.4632% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4047% | 4,351 |
| Return on assets (ROA) | 0.4047% | 4,379 |
| Pretax return on assets | 0.4047% | 4,479 |
| Return on Equity (ROE) | 4.4306% | 4,207 |
| Retained earnings to average equity (ytd only) | -7.1691% | 4,753 |
| Net charge-offs to loans | -0.0185% | 3,960 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3342% | 933 |
| Assets per employee ($millions) | 8.3327% | 1,060 |
| Cash dividends to net income (ytd only)* | 261.8090% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6379% | 1,197 |
| Loan loss allowance to noncurrent loans | 122.4696% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.4840% | 1,941 |
| Noncurrent loans to loans | 1.3374% | 967 |
| Net loans and leases to total assets | 35.5941% | 4,523 |
| Net loans and leases to deposits | 39.1371% | 4,592 |
| Net loans and leases to core deposits | 39.4701% | 4,636 |
| Total domestic deposits to total assets | 90.9471% | 421 |
| Equity capital to assets | 8.6987% | 3,964 |
| Core capital (leverage) ratio | 9.1341% | 3,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2739% | 345 |
| Memoranda: | ||
| Average total assets | $393,382,000 | 2,017 |
| Average earning assets | $378,649,000 | 1,976 |
| Average equity | $35,932,000 | 2,266 |
| Average total loans | $151,143,000 | 2,676 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6220% | 4,818 |
| Cost of funding earning assets | 0.4313% | 3,397 |
| Net interest margin | 2.1907% | 4,767 |
| Noninterest income to average assets | 0.2749% | 3,833 |
| Noninterest expense to average assets | 1.5942% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7891% | 3,136 |
| Return on assets (ROA) | 0.7891% | 3,255 |
| Pretax return on assets | 0.7907% | 3,648 |
| Return on Equity (ROE) | 7.9744% | 2,831 |
| Retained earnings to average equity (ytd only) | -0.0579% | 4,525 |
| Net charge-offs to loans | -0.0139% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8458% | 2,379 |
| Assets per employee ($millions) | 7.7237% | 1,155 |
| Cash dividends to net income (ytd only)* | 100.7259% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 1,390 |
| Loan loss allowance to noncurrent loans | 404.3551% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 3,484 |
| Noncurrent loans to loans | 0.3863% | 2,824 |
| Net loans and leases to total assets | 40.1944% | 4,431 |
| Net loans and leases to deposits | 44.5720% | 4,511 |
| Net loans and leases to core deposits | 44.9129% | 4,575 |
| Total domestic deposits to total assets | 90.1787% | 497 |
| Equity capital to assets | 9.6038% | 3,511 |
| Core capital (leverage) ratio | 9.5557% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6994% | 362 |
| Memoranda: | ||
| Average total assets | $366,638,800 | 1,977 |
| Average earning assets | $353,125,800 | 1,926 |
| Average equity | $36,278,600 | 2,163 |
| Average total loans | $150,674,600 | 2,658 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6259% | 4,876 |
| Cost of funding earning assets | 0.4721% | 3,411 |
| Net interest margin | 2.1538% | 4,831 |
| Noninterest income to average assets | 0.2621% | 3,903 |
| Noninterest expense to average assets | 1.5585% | 4,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7768% | 3,180 |
| Return on assets (ROA) | 0.7768% | 3,292 |
| Pretax return on assets | 0.7790% | 3,702 |
| Return on Equity (ROE) | 7.7914% | 2,884 |
| Retained earnings to average equity (ytd only) | -1.6473% | 4,674 |
| Net charge-offs to loans | -0.0187% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6719% | 2,375 |
| Assets per employee ($millions) | 8.4426% | 863 |
| Cash dividends to net income (ytd only)* | 121.1420% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5478% | 1,239 |
| Loan loss allowance to noncurrent loans | 431.0714% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 3,678 |
| Noncurrent loans to loans | 0.3591% | 2,999 |
| Net loans and leases to total assets | 40.4153% | 4,556 |
| Net loans and leases to deposits | 44.8469% | 4,637 |
| Net loans and leases to core deposits | 45.1551% | 4,682 |
| Total domestic deposits to total assets | 90.1184% | 388 |
| Equity capital to assets | 9.5244% | 3,668 |
| Core capital (leverage) ratio | 9.6654% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2209% | 392 |
| Memoranda: | ||
| Average total assets | $363,682,750 | 1,965 |
| Average earning assets | $350,447,250 | 1,919 |
| Average equity | $36,261,500 | 2,153 |
| Average total loans | $149,709,500 | 2,673 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7630% | 4,920 |
| Cost of funding earning assets | 0.5338% | 3,324 |
| Net interest margin | 2.2292% | 4,865 |
| Noninterest income to average assets | 0.2607% | 3,911 |
| Noninterest expense to average assets | 1.6345% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7676% | 3,166 |
| Return on assets (ROA) | 0.7676% | 3,277 |
| Pretax return on assets | 0.7709% | 3,669 |
| Return on Equity (ROE) | 7.5785% | 2,903 |
| Retained earnings to average equity (ytd only) | -2.7448% | 4,638 |
| Net charge-offs to loans | -0.0203% | 4,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9508% | 2,238 |
| Assets per employee ($millions) | 8.2001% | 902 |
| Cash dividends to net income (ytd only)* | 136.2182% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,070 |
| Loan loss allowance to noncurrent loans | 224.3017% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2911% | 3,151 |
| Noncurrent loans to loans | 0.7015% | 2,122 |
| Net loans and leases to total assets | 40.8392% | 4,574 |
| Net loans and leases to deposits | 45.5171% | 4,664 |
| Net loans and leases to core deposits | 45.8376% | 4,715 |
| Total domestic deposits to total assets | 89.7227% | 483 |
| Equity capital to assets | 9.8646% | 3,316 |
| Core capital (leverage) ratio | 9.8930% | 2,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4806% | 381 |
| Memoranda: | ||
| Average total assets | $358,271,000 | 1,965 |
| Average earning assets | $344,696,667 | 1,920 |
| Average equity | $36,287,000 | 2,139 |
| Average total loans | $147,626,333 | 2,677 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0592% | 4,928 |
| Cost of funding earning assets | 0.6484% | 3,179 |
| Net interest margin | 2.4108% | 4,871 |
| Noninterest income to average assets | 0.2720% | 3,900 |
| Noninterest expense to average assets | 1.5936% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9940% | 2,191 |
| Return on assets (ROA) | 0.9940% | 2,296 |
| Pretax return on assets | 0.9963% | 2,851 |
| Return on Equity (ROE) | 9.6826% | 1,851 |
| Retained earnings to average equity (ytd only) | -7.1543% | 4,653 |
| Net charge-offs to loans | -0.0304% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5317% | 3,551 |
| Assets per employee ($millions) | 7.3988% | 936 |
| Cash dividends to net income (ytd only)* | 173.8883% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6617% | 930 |
| Loan loss allowance to noncurrent loans | 309.9227% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,558 |
| Noncurrent loans to loans | 0.5362% | 2,656 |
| Net loans and leases to total assets | 41.8171% | 4,599 |
| Net loans and leases to deposits | 47.0694% | 4,691 |
| Net loans and leases to core deposits | 47.4448% | 4,746 |
| Total domestic deposits to total assets | 88.8413% | 735 |
| Equity capital to assets | 10.7203% | 3,116 |
| Core capital (leverage) ratio | 10.2360% | 3,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7243% | 365 |
| Memoranda: | ||
| Average total assets | $352,903,500 | 1,947 |
| Average earning assets | $339,308,500 | 1,897 |
| Average equity | $36,230,000 | 2,134 |
| Average total loans | $144,885,500 | 2,682 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 4,805 |
| Cost of funding earning assets | 0.7176% | 3,080 |
| Net interest margin | 2.8523% | 4,709 |
| Noninterest income to average assets | 0.2690% | 4,070 |
| Noninterest expense to average assets | 1.6704% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3376% | 1,553 |
| Return on assets (ROA) | 1.3376% | 1,628 |
| Pretax return on assets | 1.3382% | 2,365 |
| Return on Equity (ROE) | 13.1582% | 1,126 |
| Retained earnings to average equity (ytd only) | 7.3644% | 1,225 |
| Net charge-offs to loans | -0.0155% | 4,580 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5219% | 4,267 |
| Assets per employee ($millions) | 7.9448% | 734 |
| Cash dividends to net income (ytd only)* | 44.0317% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6505% | 882 |
| Loan loss allowance to noncurrent loans | 286.3636% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2288% | 3,530 |
| Noncurrent loans to loans | 0.5764% | 2,459 |
| Net loans and leases to total assets | 39.0327% | 4,770 |
| Net loans and leases to deposits | 43.3914% | 4,840 |
| Net loans and leases to core deposits | 43.7087% | 4,879 |
| Total domestic deposits to total assets | 89.9549% | 334 |
| Equity capital to assets | 9.8434% | 4,065 |
| Core capital (leverage) ratio | 10.3333% | 3,154 |
| Tier 1 risk-based capital ratio | 26.1799% | 665 |
| Total risk-based capital ratio | 27.4355% | 651 |
| Memoranda: | ||
| Average total assets | $340,090,600 | 1,945 |
| Average earning assets | $326,647,800 | 1,895 |
| Average equity | $34,571,600 | 2,166 |
| Average total loans | $142,215,400 | 2,698 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,816 |
| Cost of funding earning assets | 0.7260% | 3,087 |
| Net interest margin | 2.9398% | 4,709 |
| Noninterest income to average assets | 0.2481% | 4,253 |
| Noninterest expense to average assets | 1.5768% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4917% | 1,208 |
| Return on assets (ROA) | 1.4917% | 1,265 |
| Pretax return on assets | 1.4925% | 1,978 |
| Return on Equity (ROE) | 14.5482% | 875 |
| Retained earnings to average equity (ytd only) | 8.0962% | 1,353 |
| Net charge-offs to loans | -0.0358% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3732% | 4,648 |
| Assets per employee ($millions) | 7.4220% | 869 |
| Cash dividends to net income (ytd only)* | 44.3491% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6667% | 870 |
| Loan loss allowance to noncurrent loans | 316.2730% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 3,686 |
| Noncurrent loans to loans | 0.5270% | 2,707 |
| Net loans and leases to total assets | 41.6466% | 4,757 |
| Net loans and leases to deposits | 46.6242% | 4,860 |
| Net loans and leases to core deposits | 46.9524% | 4,898 |
| Total domestic deposits to total assets | 89.3240% | 513 |
| Equity capital to assets | 10.3995% | 3,639 |
| Core capital (leverage) ratio | 10.1888% | 3,434 |
| Tier 1 risk-based capital ratio | 25.7809% | 721 |
| Total risk-based capital ratio | 27.0367% | 707 |
| Memoranda: | ||
| Average total assets | $333,747,500 | 1,976 |
| Average earning assets | $320,288,750 | 1,932 |
| Average equity | $34,221,000 | 2,196 |
| Average total loans | $141,508,250 | 2,733 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6129% | 4,922 |
| Cost of funding earning assets | 0.7212% | 3,040 |
| Net interest margin | 2.8917% | 4,831 |
| Noninterest income to average assets | 0.2440% | 4,296 |
| Noninterest expense to average assets | 1.6262% | 5,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3986% | 1,445 |
| Return on assets (ROA) | 1.3986% | 1,500 |
| Pretax return on assets | 1.3998% | 2,212 |
| Return on Equity (ROE) | 13.7070% | 1,052 |
| Retained earnings to average equity (ytd only) | 5.9657% | 2,295 |
| Net charge-offs to loans | -0.0812% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7418% | 4,499 |
| Assets per employee ($millions) | 7.3083% | 882 |
| Cash dividends to net income (ytd only)* | 56.4767% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 862 |
| Loan loss allowance to noncurrent loans | 182.2823% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 2,915 |
| Noncurrent loans to loans | 0.9195% | 1,783 |
| Net loans and leases to total assets | 42.3666% | 4,769 |
| Net loans and leases to deposits | 47.3247% | 4,867 |
| Net loans and leases to core deposits | 47.7027% | 4,917 |
| Total domestic deposits to total assets | 89.5232% | 470 |
| Equity capital to assets | 10.2594% | 3,737 |
| Core capital (leverage) ratio | 9.7839% | 3,843 |
| Tier 1 risk-based capital ratio | 25.1960% | 741 |
| Total risk-based capital ratio | 26.4519% | 724 |
| Memoranda: | ||
| Average total assets | $331,193,000 | 1,999 |
| Average earning assets | $318,637,000 | 1,950 |
| Average equity | $33,793,000 | 2,210 |
| Average total loans | $140,479,000 | 2,757 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,985 |
| Cost of funding earning assets | 0.6723% | 3,192 |
| Net interest margin | 2.8964% | 4,881 |
| Noninterest income to average assets | 0.2434% | 4,264 |
| Noninterest expense to average assets | 1.6185% | 5,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3958% | 1,391 |
| Return on assets (ROA) | 1.3958% | 1,422 |
| Pretax return on assets | 1.3982% | 2,092 |
| Return on Equity (ROE) | 13.7182% | 1,027 |
| Retained earnings to average equity (ytd only) | 2.2246% | 4,003 |
| Net charge-offs to loans | -0.0174% | 4,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6507% | 4,565 |
| Assets per employee ($millions) | 7.2572% | 893 |
| Cash dividends to net income (ytd only)* | 83.7838% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7277% | 813 |
| Loan loss allowance to noncurrent loans | 227.3684% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 3,348 |
| Noncurrent loans to loans | 0.7599% | 2,129 |
| Net loans and leases to total assets | 40.4843% | 4,876 |
| Net loans and leases to deposits | 45.2313% | 4,950 |
| Net loans and leases to core deposits | 45.6881% | 4,999 |
| Total domestic deposits to total assets | 89.5049% | 640 |
| Equity capital to assets | 10.0470% | 3,780 |
| Core capital (leverage) ratio | 10.2013% | 3,382 |
| Tier 1 risk-based capital ratio | 25.5821% | 717 |
| Total risk-based capital ratio | 26.8390% | 700 |
| Memoranda: | ||
| Average total assets | $328,699,500 | 2,027 |
| Average earning assets | $314,734,500 | 1,976 |
| Average equity | $33,444,500 | 2,221 |
| Average total loans | $138,290,500 | 2,812 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0709% | 5,200 |
| Cost of funding earning assets | 0.4851% | 3,443 |
| Net interest margin | 2.5858% | 5,163 |
| Noninterest income to average assets | 0.2470% | 4,442 |
| Noninterest expense to average assets | 1.5944% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1396% | 2,433 |
| Return on assets (ROA) | 1.1396% | 2,436 |
| Pretax return on assets | 1.1403% | 3,132 |
| Return on Equity (ROE) | 11.0088% | 2,079 |
| Retained earnings to average equity (ytd only) | 1.3837% | 4,576 |
| Net charge-offs to loans | 0.2169% | 887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 12.5882% | 2,518 |
| Efficiency ratio | 58.3037% | 4,115 |
| Assets per employee ($millions) | 7.0341% | 963 |
| Cash dividends to net income (ytd only)* | 87.4312% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7043% | 829 |
| Loan loss allowance to noncurrent loans | 217.8309% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 3,207 |
| Noncurrent loans to loans | 0.7824% | 2,052 |
| Net loans and leases to total assets | 42.2434% | 4,875 |
| Net loans and leases to deposits | 47.4255% | 4,946 |
| Net loans and leases to core deposits | 47.9207% | 4,989 |
| Total domestic deposits to total assets | 89.0731% | 827 |
| Equity capital to assets | 10.3066% | 3,368 |
| Core capital (leverage) ratio | 10.1978% | 3,358 |
| Tier 1 risk-based capital ratio | 24.3321% | 795 |
| Total risk-based capital ratio | 25.5874% | 775 |
| Memoranda: | ||
| Average total assets | $319,045,800 | 2,048 |
| Average earning assets | $306,948,800 | 1,986 |
| Average equity | $33,028,200 | 2,156 |
| Average total loans | $133,212,800 | 2,841 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0280% | 5,276 |
| Cost of funding earning assets | 0.4393% | 3,606 |
| Net interest margin | 2.5887% | 5,225 |
| Noninterest income to average assets | 0.2592% | 4,422 |
| Noninterest expense to average assets | 1.4976% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2590% | 2,002 |
| Return on assets (ROA) | 1.2590% | 2,010 |
| Pretax return on assets | 1.2598% | 2,774 |
| Return on Equity (ROE) | 12.1481% | 1,738 |
| Retained earnings to average equity (ytd only) | 3.5489% | 3,992 |
| Net charge-offs to loans | -0.1133% | 5,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3118% | 4,578 |
| Assets per employee ($millions) | 6.7730% | 1,031 |
| Cash dividends to net income (ytd only)* | 70.7860% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9879% | 496 |
| Loan loss allowance to noncurrent loans | 100.9468% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.8872% | 1,661 |
| Noncurrent loans to loans | 1.9692% | 759 |
| Net loans and leases to total assets | 43.8678% | 4,885 |
| Net loans and leases to deposits | 49.7248% | 4,958 |
| Net loans and leases to core deposits | 50.2735% | 5,015 |
| Total domestic deposits to total assets | 88.2212% | 1,146 |
| Equity capital to assets | 10.8066% | 2,839 |
| Core capital (leverage) ratio | 10.3891% | 3,196 |
| Tier 1 risk-based capital ratio | 24.6713% | 783 |
| Total risk-based capital ratio | 25.9305% | 760 |
| Memoranda: | ||
| Average total assets | $317,915,250 | 2,072 |
| Average earning assets | $306,816,750 | 2,001 |
| Average equity | $32,948,000 | 2,163 |
| Average total loans | $131,752,000 | 2,878 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8861% | 5,377 |
| Cost of funding earning assets | 0.3958% | 3,754 |
| Net interest margin | 2.4904% | 5,350 |
| Noninterest income to average assets | 0.2512% | 4,508 |
| Noninterest expense to average assets | 1.4961% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1605% | 2,347 |
| Return on assets (ROA) | 1.1605% | 2,349 |
| Pretax return on assets | 1.1618% | 3,091 |
| Return on Equity (ROE) | 11.3551% | 1,972 |
| Retained earnings to average equity (ytd only) | 0.5259% | 4,857 |
| Net charge-offs to loans | -0.1858% | 5,315 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2897% | 4,444 |
| Assets per employee ($millions) | 7.0892% | 887 |
| Cash dividends to net income (ytd only)* | 95.3689% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0967% | 445 |
| Loan loss allowance to noncurrent loans | 252.2686% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 3,399 |
| Noncurrent loans to loans | 0.8311% | 2,063 |
| Net loans and leases to total assets | 39.8073% | 5,060 |
| Net loans and leases to deposits | 44.7841% | 5,124 |
| Net loans and leases to core deposits | 45.2510% | 5,170 |
| Total domestic deposits to total assets | 88.8872% | 979 |
| Equity capital to assets | 10.0598% | 3,567 |
| Core capital (leverage) ratio | 10.4109% | 3,128 |
| Tier 1 risk-based capital ratio | 25.7829% | 689 |
| Total risk-based capital ratio | 27.0437% | 665 |
| Memoranda: | ||
| Average total assets | $320,034,000 | 2,066 |
| Average earning assets | $309,271,330 | 1,989 |
| Average equity | $32,707,670 | 2,182 |
| Average total loans | $129,187,330 | 2,918 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8613% | 5,430 |
| Cost of funding earning assets | 0.3472% | 4,014 |
| Net interest margin | 2.5141% | 5,385 |
| Noninterest income to average assets | 0.2637% | 4,419 |
| Noninterest expense to average assets | 1.5180% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1735% | 2,121 |
| Return on assets (ROA) | 1.1735% | 2,129 |
| Pretax return on assets | 1.1760% | 2,861 |
| Return on Equity (ROE) | 11.3904% | 1,808 |
| Retained earnings to average equity (ytd only) | -1.6290% | 4,974 |
| Net charge-offs to loans | -0.0314% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3466% | 4,536 |
| Assets per employee ($millions) | 6.9777% | 968 |
| Cash dividends to net income (ytd only)* | 114.3011% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1210% | 441 |
| Loan loss allowance to noncurrent loans | 228.2051% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 3,334 |
| Noncurrent loans to loans | 0.9294% | 1,959 |
| Net loans and leases to total assets | 39.2411% | 5,098 |
| Net loans and leases to deposits | 44.3400% | 5,146 |
| Net loans and leases to core deposits | 44.7814% | 5,191 |
| Total domestic deposits to total assets | 88.5005% | 1,354 |
| Equity capital to assets | 10.3661% | 3,203 |
| Core capital (leverage) ratio | 10.4559% | 3,001 |
| Tier 1 risk-based capital ratio | 26.3599% | 656 |
| Total risk-based capital ratio | 27.6205% | 646 |
| Memoranda: | ||
| Average total assets | $317,000,500 | 2,091 |
| Average earning assets | $306,437,000 | 2,017 |
| Average equity | $32,659,000 | 2,195 |
| Average total loans | $127,485,000 | 2,968 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7440% | 5,478 |
| Cost of funding earning assets | 0.3050% | 4,089 |
| Net interest margin | 2.4390% | 5,440 |
| Noninterest income to average assets | 0.2916% | 4,377 |
| Noninterest expense to average assets | 1.4473% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1915% | 1,546 |
| Return on assets (ROA) | 1.1915% | 1,570 |
| Pretax return on assets | 1.1921% | 2,803 |
| Return on Equity (ROE) | 11.3374% | 1,378 |
| Retained earnings to average equity (ytd only) | 5.2089% | 1,997 |
| Net charge-offs to loans | 0.0822% | 2,282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 34.9709% | 1,377 |
| Efficiency ratio | 54.8339% | 4,875 |
| Assets per employee ($millions) | 7.2729% | 854 |
| Cash dividends to net income (ytd only)* | 54.0556% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0614% | 479 |
| Loan loss allowance to noncurrent loans | 197.6969% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 2,967 |
| Noncurrent loans to loans | 1.0427% | 1,709 |
| Net loans and leases to total assets | 39.5068% | 5,147 |
| Net loans and leases to deposits | 44.9158% | 5,220 |
| Net loans and leases to core deposits | 45.3076% | 5,258 |
| Total domestic deposits to total assets | 87.9574% | 1,526 |
| Equity capital to assets | 10.2401% | 3,449 |
| Core capital (leverage) ratio | 10.2947% | 3,076 |
| Tier 1 risk-based capital ratio | 25.1765% | 713 |
| Total risk-based capital ratio | 26.4361% | 697 |
| Memoranda: | ||
| Average total assets | $302,147,000 | 2,155 |
| Average earning assets | $290,857,800 | 2,095 |
| Average equity | $31,753,200 | 2,235 |
| Average total loans | $125,337,800 | 2,985 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7125% | 5,557 |
| Cost of funding earning assets | 0.2951% | 4,179 |
| Net interest margin | 2.4174% | 5,513 |
| Noninterest income to average assets | 0.2920% | 4,442 |
| Noninterest expense to average assets | 1.4364% | 5,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1775% | 1,784 |
| Return on assets (ROA) | 1.1775% | 1,827 |
| Pretax return on assets | 1.1784% | 2,992 |
| Return on Equity (ROE) | 11.1280% | 1,643 |
| Retained earnings to average equity (ytd only) | 4.1354% | 3,448 |
| Net charge-offs to loans | 0.1243% | 1,541 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 22.6814% | 1,847 |
| Efficiency ratio | 54.9332% | 4,854 |
| Assets per employee ($millions) | 6.9116% | 988 |
| Cash dividends to net income (ytd only)* | 62.8375% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 518 |
| Loan loss allowance to noncurrent loans | 230.8631% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 3,280 |
| Noncurrent loans to loans | 0.8891% | 2,152 |
| Net loans and leases to total assets | 41.5481% | 5,135 |
| Net loans and leases to deposits | 47.5462% | 5,204 |
| Net loans and leases to core deposits | 47.9351% | 5,259 |
| Total domestic deposits to total assets | 87.3848% | 1,680 |
| Equity capital to assets | 10.6192% | 3,249 |
| Core capital (leverage) ratio | 10.3720% | 3,112 |
| Tier 1 risk-based capital ratio | 25.0239% | 748 |
| Total risk-based capital ratio | 26.2835% | 729 |
| Memoranda: | ||
| Average total assets | $297,682,250 | 2,197 |
| Average earning assets | $286,031,500 | 2,133 |
| Average equity | $31,499,250 | 2,265 |
| Average total loans | $124,401,000 | 3,025 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5893% | 5,637 |
| Cost of funding earning assets | 0.2848% | 4,236 |
| Net interest margin | 2.3045% | 5,605 |
| Noninterest income to average assets | 0.3079% | 4,334 |
| Noninterest expense to average assets | 1.4306% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0882% | 2,038 |
| Return on assets (ROA) | 1.0882% | 2,094 |
| Pretax return on assets | 1.0895% | 3,219 |
| Return on Equity (ROE) | 10.2964% | 1,912 |
| Retained earnings to average equity (ytd only) | 1.5944% | 4,617 |
| Net charge-offs to loans | 0.2279% | 895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 11.5000% | 2,270 |
| Efficiency ratio | 56.7669% | 4,734 |
| Assets per employee ($millions) | 7.1398% | 872 |
| Cash dividends to net income (ytd only)* | 84.5149% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0922% | 515 |
| Loan loss allowance to noncurrent loans | 195.6749% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 3,099 |
| Noncurrent loans to loans | 1.0692% | 1,835 |
| Net loans and leases to total assets | 39.0888% | 5,252 |
| Net loans and leases to deposits | 44.2698% | 5,329 |
| Net loans and leases to core deposits | 44.6150% | 5,382 |
| Total domestic deposits to total assets | 88.2966% | 1,307 |
| Equity capital to assets | 10.0341% | 3,876 |
| Core capital (leverage) ratio | 10.5968% | 2,816 |
| Tier 1 risk-based capital ratio | 25.1526% | 733 |
| Total risk-based capital ratio | 26.4129% | 723 |
| Memoranda: | ||
| Average total assets | $295,539,670 | 2,218 |
| Average earning assets | $283,702,330 | 2,152 |
| Average equity | $31,234,330 | 2,273 |
| Average total loans | $122,868,000 | 3,050 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5567% | 5,702 |
| Cost of funding earning assets | 0.2894% | 4,147 |
| Net interest margin | 2.2673% | 5,674 |
| Noninterest income to average assets | 0.2963% | 4,433 |
| Noninterest expense to average assets | 1.4827% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9782% | 2,402 |
| Return on assets (ROA) | 0.9782% | 2,454 |
| Pretax return on assets | 0.9810% | 3,449 |
| Return on Equity (ROE) | 9.0060% | 2,422 |
| Retained earnings to average equity (ytd only) | -4.6960% | 5,366 |
| Net charge-offs to loans | 0.4935% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 4.6800% | 2,359 |
| Efficiency ratio | 60.1815% | 4,429 |
| Assets per employee ($millions) | 6.5928% | 1,140 |
| Cash dividends to net income (ytd only)* | 152.1429% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 460 |
| Loan loss allowance to noncurrent loans | 134.0000% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.8526% | 2,173 |
| Noncurrent loans to loans | 1.6579% | 1,169 |
| Net loans and leases to total assets | 40.5667% | 5,227 |
| Net loans and leases to deposits | 46.5660% | 5,281 |
| Net loans and leases to core deposits | 46.9739% | 5,337 |
| Total domestic deposits to total assets | 87.1167% | 2,150 |
| Equity capital to assets | 10.9125% | 2,730 |
| Core capital (leverage) ratio | 10.6284% | 2,763 |
| Tier 1 risk-based capital ratio | 25.6297% | 717 |
| Total risk-based capital ratio | 26.8904% | 700 |
| Memoranda: | ||
| Average total assets | $286,235,000 | 2,281 |
| Average earning assets | $273,633,500 | 2,225 |
| Average equity | $31,090,500 | 2,288 |
| Average total loans | $121,591,500 | 3,089 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5555% | 5,740 |
| Cost of funding earning assets | 0.2917% | 4,157 |
| Net interest margin | 2.2638% | 5,726 |
| Noninterest income to average assets | 0.2969% | 4,616 |
| Noninterest expense to average assets | 1.4427% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9668% | 2,503 |
| Return on assets (ROA) | 0.9668% | 2,606 |
| Pretax return on assets | 0.9675% | 3,592 |
| Return on Equity (ROE) | 9.1743% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.4478% | 4,132 |
| Net charge-offs to loans | 0.1970% | 1,408 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 11.5429% | 2,531 |
| Efficiency ratio | 59.8581% | 4,604 |
| Assets per employee ($millions) | 6.4218% | 1,191 |
| Cash dividends to net income (ytd only)* | 73.3192% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 466 |
| Loan loss allowance to noncurrent loans | 108.6051% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 2,010 |
| Noncurrent loans to loans | 2.0268% | 881 |
| Net loans and leases to total assets | 42.4955% | 5,213 |
| Net loans and leases to deposits | 48.6609% | 5,266 |
| Net loans and leases to core deposits | 49.1263% | 5,328 |
| Total domestic deposits to total assets | 87.3299% | 1,970 |
| Equity capital to assets | 10.8122% | 2,801 |
| Core capital (leverage) ratio | 10.7716% | 2,562 |
| Tier 1 risk-based capital ratio | 24.5316% | 813 |
| Total risk-based capital ratio | 25.7925% | 796 |
| Memoranda: | ||
| Average total assets | $292,307,000 | 2,214 |
| Average earning assets | $272,861,800 | 2,192 |
| Average equity | $30,803,600 | 2,303 |
| Average total loans | $124,361,600 | 3,002 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5463% | 5,809 |
| Cost of funding earning assets | 0.2937% | 4,171 |
| Net interest margin | 2.2527% | 5,796 |
| Noninterest income to average assets | 0.2938% | 4,664 |
| Noninterest expense to average assets | 1.3854% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9975% | 2,446 |
| Return on assets (ROA) | 0.9975% | 2,586 |
| Pretax return on assets | 0.9984% | 3,640 |
| Return on Equity (ROE) | 9.5263% | 2,262 |
| Retained earnings to average equity (ytd only) | 1.7984% | 4,788 |
| Net charge-offs to loans | 0.1290% | 1,672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 18.2912% | 2,004 |
| Efficiency ratio | 58.1187% | 4,797 |
| Assets per employee ($millions) | 6.1104% | 1,345 |
| Cash dividends to net income (ytd only)* | 81.1216% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2549% | 467 |
| Loan loss allowance to noncurrent loans | 89.5504% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 1,584 |
| Noncurrent loans to loans | 2.5180% | 698 |
| Net loans and leases to total assets | 45.5288% | 5,117 |
| Net loans and leases to deposits | 52.3164% | 5,190 |
| Net loans and leases to core deposits | 52.8437% | 5,273 |
| Total domestic deposits to total assets | 87.0258% | 1,885 |
| Equity capital to assets | 11.3064% | 2,698 |
| Core capital (leverage) ratio | 10.9364% | 2,525 |
| Tier 1 risk-based capital ratio | 24.3138% | 877 |
| Total risk-based capital ratio | 25.5757% | 862 |
| Memoranda: | ||
| Average total assets | $293,139,000 | 2,212 |
| Average earning assets | $271,968,000 | 2,203 |
| Average equity | $30,693,250 | 2,318 |
| Average total loans | $124,060,250 | 3,012 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4821% | 5,907 |
| Cost of funding earning assets | 0.2921% | 4,222 |
| Net interest margin | 2.1900% | 5,905 |
| Noninterest income to average assets | 0.2507% | 4,977 |
| Noninterest expense to average assets | 1.3336% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9251% | 2,746 |
| Return on assets (ROA) | 0.9251% | 2,878 |
| Pretax return on assets | 0.9265% | 3,850 |
| Return on Equity (ROE) | 9.0572% | 2,472 |
| Retained earnings to average equity (ytd only) | -0.6610% | 5,391 |
| Net charge-offs to loans | 0.2005% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.2683% | 2,274 |
| Efficiency ratio | 59.0062% | 4,769 |
| Assets per employee ($millions) | 6.7984% | 953 |
| Cash dividends to net income (ytd only)* | 107.2977% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2997% | 469 |
| Loan loss allowance to noncurrent loans | 113.7564% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8920% | 2,374 |
| Noncurrent loans to loans | 2.0216% | 980 |
| Net loans and leases to total assets | 40.0771% | 5,415 |
| Net loans and leases to deposits | 45.1084% | 5,527 |
| Net loans and leases to core deposits | 45.5514% | 5,576 |
| Total domestic deposits to total assets | 88.8461% | 985 |
| Equity capital to assets | 10.0174% | 4,206 |
| Core capital (leverage) ratio | 10.5366% | 2,928 |
| Tier 1 risk-based capital ratio | 23.9916% | 902 |
| Total risk-based capital ratio | 25.2538% | 885 |
| Memoranda: | ||
| Average total assets | $299,195,670 | 2,192 |
| Average earning assets | $274,526,000 | 2,207 |
| Average equity | $30,561,330 | 2,333 |
| Average total loans | $122,721,000 | 3,040 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4934% | 5,964 |
| Cost of funding earning assets | 0.2990% | 4,173 |
| Net interest margin | 2.1944% | 5,967 |
| Noninterest income to average assets | 0.2474% | 4,964 |
| Noninterest expense to average assets | 1.3494% | 5,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9100% | 2,702 |
| Return on assets (ROA) | 0.9100% | 2,821 |
| Pretax return on assets | 0.9127% | 3,791 |
| Return on Equity (ROE) | 8.8207% | 2,511 |
| Retained earnings to average equity (ytd only) | -2.9490% | 5,467 |
| Net charge-offs to loans | 0.0198% | 2,541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 498 |
| Efficiency ratio | 59.6533% | 4,795 |
| Assets per employee ($millions) | 6.5615% | 1,075 |
| Cash dividends to net income (ytd only)* | 133.4324% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5470% | 372 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8040% | 2,688 |
| Noncurrent loans to loans | 1.8524% | 1,196 |
| Net loans and leases to total assets | 38.9133% | 5,514 |
| Net loans and leases to deposits | 44.1619% | 5,584 |
| Net loans and leases to core deposits | 44.6647% | 5,634 |
| Total domestic deposits to total assets | 88.1152% | 1,583 |
| Equity capital to assets | 10.3218% | 3,721 |
| Core capital (leverage) ratio | 10.3926% | 3,080 |
| Tier 1 risk-based capital ratio | 25.8658% | 746 |
| Total risk-based capital ratio | 27.1314% | 731 |
| Memoranda: | ||
| Average total assets | $295,829,500 | 2,211 |
| Average earning assets | $271,601,500 | 2,233 |
| Average equity | $30,519,000 | 2,340 |
| Average total loans | $121,335,000 | 3,066 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3305% | 6,043 |
| Cost of funding earning assets | 0.2897% | 4,372 |
| Net interest margin | 2.0408% | 6,044 |
| Noninterest income to average assets | 0.2924% | 4,798 |
| Noninterest expense to average assets | 1.3402% | 6,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8996% | 2,869 |
| Return on assets (ROA) | 0.8996% | 2,948 |
| Pretax return on assets | 0.9003% | 3,833 |
| Return on Equity (ROE) | 8.8365% | 2,532 |
| Retained earnings to average equity (ytd only) | 3.7842% | 3,344 |
| Net charge-offs to loans | -0.2346% | 5,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8155% | 4,930 |
| Assets per employee ($millions) | 6.5864% | 1,059 |
| Cash dividends to net income (ytd only)* | 57.1751% | 1,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 447 |
| Loan loss allowance to noncurrent loans | 192.2045% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 3,305 |
| Noncurrent loans to loans | 1.2543% | 1,879 |
| Net loans and leases to total assets | 41.0810% | 5,460 |
| Net loans and leases to deposits | 46.9130% | 5,520 |
| Net loans and leases to core deposits | 47.5430% | 5,584 |
| Total domestic deposits to total assets | 87.5684% | 1,859 |
| Equity capital to assets | 10.3111% | 3,609 |
| Core capital (leverage) ratio | 10.4470% | 2,991 |
| Tier 1 risk-based capital ratio | 24.2436% | 895 |
| Total risk-based capital ratio | 25.5069% | 875 |
| Memoranda: | ||
| Average total assets | $295,115,600 | 2,176 |
| Average earning assets | $281,698,400 | 2,126 |
| Average equity | $30,045,800 | 2,315 |
| Average total loans | $118,937,000 | 3,069 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2503% | 6,158 |
| Cost of funding earning assets | 0.2883% | 4,466 |
| Net interest margin | 1.9620% | 6,144 |
| Noninterest income to average assets | 0.3220% | 4,637 |
| Noninterest expense to average assets | 1.3482% | 6,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8638% | 3,117 |
| Return on assets (ROA) | 0.8638% | 3,203 |
| Pretax return on assets | 0.8638% | 4,121 |
| Return on Equity (ROE) | 8.5122% | 2,819 |
| Retained earnings to average equity (ytd only) | 2.7631% | 4,457 |
| Net charge-offs to loans | 0.0125% | 3,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 173.5924% | 411 |
| Efficiency ratio | 60.9487% | 4,744 |
| Assets per employee ($millions) | 6.5594% | 1,047 |
| Cash dividends to net income (ytd only)* | 67.5395% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 647 |
| Loan loss allowance to noncurrent loans | 139.0993% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 2,988 |
| Noncurrent loans to loans | 1.5923% | 1,560 |
| Net loans and leases to total assets | 41.5783% | 5,511 |
| Net loans and leases to deposits | 47.1615% | 5,609 |
| Net loans and leases to core deposits | 47.8103% | 5,664 |
| Total domestic deposits to total assets | 88.1616% | 1,471 |
| Equity capital to assets | 10.4822% | 3,620 |
| Core capital (leverage) ratio | 10.4176% | 3,147 |
| Tier 1 risk-based capital ratio | 24.6275% | 886 |
| Total risk-based capital ratio | 25.8894% | 874 |
| Memoranda: | ||
| Average total assets | $294,797,000 | 2,195 |
| Average earning assets | $283,985,250 | 2,125 |
| Average equity | $29,917,000 | 2,333 |
| Average total loans | $117,479,250 | 3,111 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1991% | 6,239 |
| Cost of funding earning assets | 0.2866% | 4,542 |
| Net interest margin | 1.9125% | 6,226 |
| Noninterest income to average assets | 0.3416% | 4,510 |
| Noninterest expense to average assets | 1.3825% | 6,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7977% | 3,403 |
| Return on assets (ROA) | 0.7977% | 3,493 |
| Pretax return on assets | 0.7977% | 4,320 |
| Return on Equity (ROE) | 7.9450% | 3,090 |
| Retained earnings to average equity (ytd only) | 0.8119% | 5,234 |
| Net charge-offs to loans | -0.0069% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4116% | 4,443 |
| Assets per employee ($millions) | 6.8135% | 918 |
| Cash dividends to net income (ytd only)* | 89.7804% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2757% | 653 |
| Loan loss allowance to noncurrent loans | 113.7802% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.8949% | 2,749 |
| Noncurrent loans to loans | 2.0001% | 1,219 |
| Net loans and leases to total assets | 39.1478% | 5,681 |
| Net loans and leases to deposits | 44.1160% | 5,762 |
| Net loans and leases to core deposits | 44.6301% | 5,817 |
| Total domestic deposits to total assets | 88.7383% | 1,274 |
| Equity capital to assets | 9.9181% | 4,131 |
| Core capital (leverage) ratio | 10.0442% | 3,535 |
| Tier 1 risk-based capital ratio | 24.7371% | 890 |
| Total risk-based capital ratio | 25.9992% | 879 |
| Memoranda: | ||
| Average total assets | $296,858,670 | 2,197 |
| Average earning assets | $285,388,000 | 2,125 |
| Average equity | $29,805,000 | 2,353 |
| Average total loans | $115,733,000 | 3,160 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1786% | 6,312 |
| Cost of funding earning assets | 0.2878% | 4,576 |
| Net interest margin | 1.8908% | 6,301 |
| Noninterest income to average assets | 0.2884% | 4,864 |
| Noninterest expense to average assets | 1.3745% | 6,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7285% | 3,651 |
| Return on assets (ROA) | 0.7285% | 3,789 |
| Pretax return on assets | 0.7285% | 4,507 |
| Return on Equity (ROE) | 7.2117% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.2117% | 1,916 |
| Net charge-offs to loans | -0.0528% | 5,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3574% | 4,261 |
| Assets per employee ($millions) | 6.6949% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4749% | 551 |
| Loan loss allowance to noncurrent loans | 179.5291% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.6144% | 3,648 |
| Noncurrent loans to loans | 1.3786% | 2,082 |
| Net loans and leases to total assets | 36.7200% | 5,795 |
| Net loans and leases to deposits | 41.4637% | 5,865 |
| Net loans and leases to core deposits | 41.9553% | 5,912 |
| Total domestic deposits to total assets | 88.5595% | 1,518 |
| Equity capital to assets | 10.2660% | 3,811 |
| Core capital (leverage) ratio | 10.1954% | 3,347 |
| Tier 1 risk-based capital ratio | 27.8236% | 661 |
| Total risk-based capital ratio | 29.0895% | 646 |
| Memoranda: | ||
| Average total assets | $295,390,500 | 2,221 |
| Average earning assets | $283,483,500 | 2,152 |
| Average equity | $29,840,500 | 2,366 |
| Average total loans | $113,551,500 | 3,207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2203% | 6,398 |
| Cost of funding earning assets | 0.2955% | 4,837 |
| Net interest margin | 1.9247% | 6,385 |
| Noninterest income to average assets | 0.2657% | 5,230 |
| Noninterest expense to average assets | 1.3854% | 6,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7255% | 3,768 |
| Return on assets (ROA) | 0.7255% | 3,872 |
| Pretax return on assets | 0.7261% | 4,525 |
| Return on Equity (ROE) | 7.3303% | 3,454 |
| Retained earnings to average equity (ytd only) | -0.1689% | 5,795 |
| Net charge-offs to loans | -0.0680% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6114% | 4,318 |
| Assets per employee ($millions) | 6.5824% | 1,012 |
| Cash dividends to net income (ytd only)* | 102.3037% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3496% | 674 |
| Loan loss allowance to noncurrent loans | 130.2481% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 3,198 |
| Noncurrent loans to loans | 1.8039% | 1,591 |
| Net loans and leases to total assets | 38.3044% | 5,833 |
| Net loans and leases to deposits | 43.0444% | 5,923 |
| Net loans and leases to core deposits | 43.5924% | 5,971 |
| Total domestic deposits to total assets | 88.9881% | 1,247 |
| Equity capital to assets | 9.9390% | 4,193 |
| Core capital (leverage) ratio | 9.9476% | 3,646 |
| Tier 1 risk-based capital ratio | 26.1501% | 752 |
| Total risk-based capital ratio | 27.4151% | 732 |
| Memoranda: | ||
| Average total assets | $293,195,600 | 2,193 |
| Average earning assets | $281,183,600 | 2,114 |
| Average equity | $29,016,600 | 2,344 |
| Average total loans | $110,336,200 | 3,210 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1821% | 6,483 |
| Cost of funding earning assets | 0.2954% | 4,924 |
| Net interest margin | 1.8868% | 6,469 |
| Noninterest income to average assets | 0.2818% | 5,189 |
| Noninterest expense to average assets | 1.4051% | 6,405 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6811% | 4,035 |
| Return on assets (ROA) | 0.6811% | 4,124 |
| Pretax return on assets | 0.6821% | 4,757 |
| Return on Equity (ROE) | 6.8900% | 3,759 |
| Retained earnings to average equity (ytd only) | -2.0938% | 6,083 |
| Net charge-offs to loans | -0.0600% | 5,976 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3220% | 3,986 |
| Assets per employee ($millions) | 6.5718% | 985 |
| Cash dividends to net income (ytd only)* | 130.3883% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4075% | 730 |
| Loan loss allowance to noncurrent loans | 133.6795% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.7777% | 3,485 |
| Noncurrent loans to loans | 1.8010% | 1,799 |
| Net loans and leases to total assets | 37.0510% | 5,989 |
| Net loans and leases to deposits | 41.7291% | 6,063 |
| Net loans and leases to core deposits | 42.2219% | 6,109 |
| Total domestic deposits to total assets | 88.7894% | 1,360 |
| Equity capital to assets | 9.8039% | 4,416 |
| Core capital (leverage) ratio | 9.9776% | 3,714 |
| Tier 1 risk-based capital ratio | 26.5896% | 740 |
| Total risk-based capital ratio | 27.8552% | 721 |
| Memoranda: | ||
| Average total assets | $292,443,000 | 2,213 |
| Average earning assets | $279,839,250 | 2,141 |
| Average equity | $28,910,750 | 2,360 |
| Average total loans | $108,872,750 | 3,263 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1478% | 6,556 |
| Cost of funding earning assets | 0.2920% | 5,047 |
| Net interest margin | 1.8559% | 6,546 |
| Noninterest income to average assets | 0.2794% | 5,192 |
| Noninterest expense to average assets | 1.4436% | 6,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6103% | 4,310 |
| Return on assets (ROA) | 0.6103% | 4,402 |
| Pretax return on assets | 0.6116% | 4,918 |
| Return on Equity (ROE) | 6.1558% | 4,071 |
| Retained earnings to average equity (ytd only) | -5.7542% | 6,278 |
| Net charge-offs to loans | -0.0724% | 6,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2405% | 3,617 |
| Assets per employee ($millions) | 6.5053% | 1,008 |
| Cash dividends to net income (ytd only)* | 193.4758% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5003% | 711 |
| Loan loss allowance to noncurrent loans | 114.0618% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 3,288 |
| Noncurrent loans to loans | 2.1920% | 1,494 |
| Net loans and leases to total assets | 35.8738% | 6,056 |
| Net loans and leases to deposits | 40.4636% | 6,133 |
| Net loans and leases to core deposits | 40.9465% | 6,193 |
| Total domestic deposits to total assets | 88.6571% | 1,564 |
| Equity capital to assets | 9.7842% | 4,381 |
| Core capital (leverage) ratio | 9.8993% | 3,745 |
| Tier 1 risk-based capital ratio | 27.5024% | 671 |
| Total risk-based capital ratio | 28.7692% | 657 |
| Memoranda: | ||
| Average total assets | $291,347,330 | 2,217 |
| Average earning assets | $278,794,000 | 2,149 |
| Average equity | $28,883,330 | 2,352 |
| Average total loans | $107,739,000 | 3,290 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0893% | 6,639 |
| Cost of funding earning assets | 0.2786% | 5,297 |
| Net interest margin | 1.8107% | 6,627 |
| Noninterest income to average assets | 0.2863% | 5,081 |
| Noninterest expense to average assets | 1.5166% | 6,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5023% | 4,677 |
| Return on assets (ROA) | 0.5023% | 4,761 |
| Pretax return on assets | 0.5051% | 5,159 |
| Return on Equity (ROE) | 5.0338% | 4,536 |
| Retained earnings to average equity (ytd only) | -12.4121% | 6,426 |
| Net charge-offs to loans | -0.0742% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0170% | 2,968 |
| Assets per employee ($millions) | 6.1487% | 1,201 |
| Cash dividends to net income (ytd only)* | 346.5753% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5948% | 718 |
| Loan loss allowance to noncurrent loans | 167.3342% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 4,185 |
| Noncurrent loans to loans | 1.5507% | 2,489 |
| Net loans and leases to total assets | 34.7340% | 6,136 |
| Net loans and leases to deposits | 39.5130% | 6,187 |
| Net loans and leases to core deposits | 40.1116% | 6,227 |
| Total domestic deposits to total assets | 87.9052% | 2,286 |
| Equity capital to assets | 9.8712% | 3,991 |
| Core capital (leverage) ratio | 9.9226% | 3,672 |
| Tier 1 risk-based capital ratio | 28.2258% | 624 |
| Total risk-based capital ratio | 29.4933% | 609 |
| Memoranda: | ||
| Average total assets | $290,652,500 | 2,228 |
| Average earning assets | $278,564,000 | 2,156 |
| Average equity | $29,004,000 | 2,325 |
| Average total loans | $107,754,000 | 3,305 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3066% | 6,667 |
| Cost of funding earning assets | 0.3443% | 5,200 |
| Net interest margin | 1.9623% | 6,655 |
| Noninterest income to average assets | 0.2691% | 5,426 |
| Noninterest expense to average assets | 1.4461% | 6,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7006% | 3,791 |
| Return on assets (ROA) | 0.7638% | 3,571 |
| Pretax return on assets | 0.7645% | 4,283 |
| Return on Equity (ROE) | 7.4367% | 3,337 |
| Retained earnings to average equity (ytd only) | -0.0068% | 5,867 |
| Net charge-offs to loans | -0.1770% | 6,596 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3429% | 4,318 |
| Assets per employee ($millions) | 6.3547% | 1,061 |
| Cash dividends to net income (ytd only)* | 100.0920% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 972 |
| Loan loss allowance to noncurrent loans | 167.9747% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 4,235 |
| Noncurrent loans to loans | 1.4050% | 2,789 |
| Net loans and leases to total assets | 37.5630% | 6,125 |
| Net loans and leases to deposits | 42.7483% | 6,188 |
| Net loans and leases to core deposits | 43.3418% | 6,254 |
| Total domestic deposits to total assets | 87.8702% | 2,258 |
| Equity capital to assets | 10.0854% | 3,653 |
| Core capital (leverage) ratio | 10.1965% | 3,297 |
| Tier 1 risk-based capital ratio | 26.7916% | 698 |
| Total risk-based capital ratio | 28.0562% | 681 |
| Memoranda: | ||
| Average total assets | $284,628,000 | 2,237 |
| Average earning assets | $272,440,000 | 2,160 |
| Average equity | $29,233,400 | 2,298 |
| Average total loans | $110,200,400 | 3,243 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3051% | 6,750 |
| Cost of funding earning assets | 0.3490% | 5,303 |
| Net interest margin | 1.9561% | 6,733 |
| Noninterest income to average assets | 0.2759% | 5,472 |
| Noninterest expense to average assets | 1.4300% | 6,678 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7164% | 3,774 |
| Return on assets (ROA) | 0.8051% | 3,453 |
| Pretax return on assets | 0.8060% | 4,270 |
| Return on Equity (ROE) | 7.8019% | 3,228 |
| Retained earnings to average equity (ytd only) | -1.1015% | 6,149 |
| Net charge-offs to loans | -0.1143% | 6,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5935% | 4,373 |
| Assets per employee ($millions) | 6.2178% | 1,104 |
| Cash dividends to net income (ytd only)* | 114.1186% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2768% | 1,216 |
| Loan loss allowance to noncurrent loans | 133.1942% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8284% | 4,039 |
| Noncurrent loans to loans | 1.7094% | 2,629 |
| Net loans and leases to total assets | 39.1471% | 6,094 |
| Net loans and leases to deposits | 45.1651% | 6,148 |
| Net loans and leases to core deposits | 45.8499% | 6,219 |
| Total domestic deposits to total assets | 86.6755% | 2,874 |
| Equity capital to assets | 10.4296% | 3,363 |
| Core capital (leverage) ratio | 10.4425% | 3,070 |
| Tier 1 risk-based capital ratio | 25.9456% | 790 |
| Total risk-based capital ratio | 27.2079% | 775 |
| Memoranda: | ||
| Average total assets | $282,706,500 | 2,266 |
| Average earning assets | $270,468,750 | 2,183 |
| Average equity | $29,171,500 | 2,327 |
| Average total loans | $109,636,500 | 3,279 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2796% | 6,802 |
| Cost of funding earning assets | 0.3524% | 5,384 |
| Net interest margin | 1.9273% | 6,788 |
| Noninterest income to average assets | 0.3300% | 5,051 |
| Noninterest expense to average assets | 1.5863% | 6,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5894% | 4,347 |
| Return on assets (ROA) | 0.5894% | 4,528 |
| Pretax return on assets | 0.5908% | 5,049 |
| Return on Equity (ROE) | 5.7323% | 4,327 |
| Retained earnings to average equity (ytd only) | -6.0614% | 6,520 |
| Net charge-offs to loans | -0.1507% | 6,593 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8627% | 3,326 |
| Assets per employee ($millions) | 6.0909% | 1,137 |
| Cash dividends to net income (ytd only)* | 205.7416% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3428% | 1,188 |
| Loan loss allowance to noncurrent loans | 160.4167% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 4,507 |
| Noncurrent loans to loans | 1.4605% | 3,119 |
| Net loans and leases to total assets | 38.6430% | 6,134 |
| Net loans and leases to deposits | 44.5760% | 6,192 |
| Net loans and leases to core deposits | 45.2652% | 6,269 |
| Total domestic deposits to total assets | 86.6902% | 3,003 |
| Equity capital to assets | 10.5688% | 3,211 |
| Core capital (leverage) ratio | 10.1267% | 3,327 |
| Tier 1 risk-based capital ratio | 24.0037% | 998 |
| Total risk-based capital ratio | 25.2643% | 975 |
| Memoranda: | ||
| Average total assets | $283,675,000 | 2,265 |
| Average earning assets | $271,886,330 | 2,181 |
| Average equity | $29,168,000 | 2,326 |
| Average total loans | $108,820,000 | 3,305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2647% | 6,876 |
| Cost of funding earning assets | 0.3515% | 5,518 |
| Net interest margin | 1.9132% | 6,870 |
| Noninterest income to average assets | 0.1941% | 6,088 |
| Noninterest expense to average assets | 1.8498% | 6,364 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1678% | 5,987 |
| Return on assets (ROA) | 0.1678% | 6,088 |
| Pretax return on assets | 0.1706% | 6,131 |
| Return on Equity (ROE) | 1.6537% | 6,043 |
| Retained earnings to average equity (ytd only) | -15.6348% | 6,761 |
| Net charge-offs to loans | -0.0807% | 6,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5580% | 1,020 |
| Assets per employee ($millions) | 6.5484% | 966 |
| Cash dividends to net income (ytd only)* | 1,045.4545% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4213% | 1,214 |
| Loan loss allowance to noncurrent loans | 132.4613% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.6611% | 4,721 |
| Noncurrent loans to loans | 1.8279% | 2,830 |
| Net loans and leases to total assets | 33.9305% | 6,423 |
| Net loans and leases to deposits | 38.2309% | 6,497 |
| Net loans and leases to core deposits | 38.7658% | 6,534 |
| Total domestic deposits to total assets | 88.7515% | 1,830 |
| Equity capital to assets | 9.7238% | 4,526 |
| Core capital (leverage) ratio | 9.9802% | 3,413 |
| Tier 1 risk-based capital ratio | 24.7773% | 918 |
| Total risk-based capital ratio | 26.0387% | 903 |
| Memoranda: | ||
| Average total assets | $288,467,000 | 2,261 |
| Average earning assets | $275,357,000 | 2,183 |
| Average equity | $29,268,000 | 2,352 |
| Average total loans | $109,001,000 | 3,309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5736% | 6,912 |
| Cost of funding earning assets | 0.4307% | 5,717 |
| Net interest margin | 2.1429% | 6,892 |
| Noninterest income to average assets | 0.2935% | 5,368 |
| Noninterest expense to average assets | 1.4475% | 6,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8941% | 2,853 |
| Return on assets (ROA) | 0.8941% | 3,081 |
| Pretax return on assets | 0.8949% | 3,936 |
| Return on Equity (ROE) | 8.2901% | 2,969 |
| Retained earnings to average equity (ytd only) | -0.4661% | 5,934 |
| Net charge-offs to loans | -0.1670% | 6,915 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7958% | 5,266 |
| Assets per employee ($millions) | 6.2723% | 1,123 |
| Cash dividends to net income (ytd only)* | 105.6222% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1284% | 1,692 |
| Loan loss allowance to noncurrent loans | 145.9347% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 4,654 |
| Noncurrent loans to loans | 1.4584% | 3,409 |
| Net loans and leases to total assets | 40.0616% | 6,163 |
| Net loans and leases to deposits | 46.0332% | 6,251 |
| Net loans and leases to core deposits | 46.6574% | 6,342 |
| Total domestic deposits to total assets | 87.0277% | 2,833 |
| Equity capital to assets | 10.5869% | 3,417 |
| Core capital (leverage) ratio | 10.5195% | 2,741 |
| Tier 1 risk-based capital ratio | 23.4836% | 1,039 |
| Total risk-based capital ratio | 24.7420% | 1,015 |
| Memoranda: | ||
| Average total assets | $270,544,600 | 2,337 |
| Average earning assets | $258,667,200 | 2,255 |
| Average equity | $29,179,400 | 2,304 |
| Average total loans | $111,950,600 | 3,251 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5610% | 7,036 |
| Cost of funding earning assets | 0.4442% | 5,835 |
| Net interest margin | 2.1168% | 7,007 |
| Noninterest income to average assets | 0.2925% | 5,431 |
| Noninterest expense to average assets | 1.4662% | 6,956 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8574% | 3,180 |
| Return on assets (ROA) | 0.8574% | 3,430 |
| Pretax return on assets | 0.8584% | 4,267 |
| Return on Equity (ROE) | 7.9114% | 3,315 |
| Retained earnings to average equity (ytd only) | -2.7904% | 6,465 |
| Net charge-offs to loans | 0.0744% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 27.7919% | 1,169 |
| Efficiency ratio | 63.0733% | 4,964 |
| Assets per employee ($millions) | 6.0606% | 1,218 |
| Cash dividends to net income (ytd only)* | 135.2700% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 2,395 |
| Loan loss allowance to noncurrent loans | 100.7752% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.9416% | 4,403 |
| Noncurrent loans to loans | 1.9132% | 2,944 |
| Net loans and leases to total assets | 41.2186% | 6,184 |
| Net loans and leases to deposits | 47.3901% | 6,292 |
| Net loans and leases to core deposits | 48.0145% | 6,407 |
| Total domestic deposits to total assets | 86.9772% | 2,683 |
| Equity capital to assets | 10.7022% | 3,604 |
| Core capital (leverage) ratio | 10.8691% | 2,523 |
| Tier 1 risk-based capital ratio | 25.0352% | 905 |
| Total risk-based capital ratio | 26.2931% | 895 |
| Memoranda: | ||
| Average total assets | $267,617,000 | 2,393 |
| Average earning assets | $256,921,000 | 2,282 |
| Average equity | $29,003,750 | 2,335 |
| Average total loans | $111,054,500 | 3,304 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5289% | 7,115 |
| Cost of funding earning assets | 0.4629% | 5,886 |
| Net interest margin | 2.0661% | 7,083 |
| Noninterest income to average assets | 0.2896% | 5,491 |
| Noninterest expense to average assets | 1.4328% | 7,044 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8401% | 3,198 |
| Return on assets (ROA) | 0.8401% | 3,463 |
| Pretax return on assets | 0.8409% | 4,313 |
| Return on Equity (ROE) | 7.7188% | 3,389 |
| Retained earnings to average equity (ytd only) | -6.7928% | 6,713 |
| Net charge-offs to loans | 0.1402% | 3,803 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 14.5195% | 1,713 |
| Efficiency ratio | 63.0169% | 5,078 |
| Assets per employee ($millions) | 5.8831% | 1,305 |
| Cash dividends to net income (ytd only)* | 188.0036% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9226% | 2,469 |
| Loan loss allowance to noncurrent loans | 95.4348% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 4,352 |
| Noncurrent loans to loans | 2.0146% | 2,934 |
| Net loans and leases to total assets | 42.2953% | 6,170 |
| Net loans and leases to deposits | 48.7394% | 6,265 |
| Net loans and leases to core deposits | 49.3380% | 6,378 |
| Total domestic deposits to total assets | 86.7784% | 2,905 |
| Equity capital to assets | 10.8094% | 3,329 |
| Core capital (leverage) ratio | 10.7881% | 2,492 |
| Tier 1 risk-based capital ratio | 21.4228% | 1,403 |
| Total risk-based capital ratio | 22.6775% | 1,377 |
| Memoranda: | ||
| Average total assets | $265,913,000 | 2,407 |
| Average earning assets | $255,365,330 | 2,300 |
| Average equity | $28,942,330 | 2,332 |
| Average total loans | $109,864,330 | 3,338 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5047% | 7,174 |
| Cost of funding earning assets | 0.4772% | 5,965 |
| Net interest margin | 2.0276% | 7,156 |
| Noninterest income to average assets | 0.2762% | 5,659 |
| Noninterest expense to average assets | 1.4289% | 7,097 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7910% | 3,418 |
| Return on assets (ROA) | 0.7910% | 3,662 |
| Pretax return on assets | 0.7925% | 4,439 |
| Return on Equity (ROE) | 7.2427% | 3,634 |
| Retained earnings to average equity (ytd only) | -15.3651% | 6,983 |
| Net charge-offs to loans | -0.1114% | 6,828 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3243% | 4,868 |
| Assets per employee ($millions) | 5.8958% | 1,343 |
| Cash dividends to net income (ytd only)* | 312.1442% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 1,832 |
| Loan loss allowance to noncurrent loans | 127.8889% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 4,893 |
| Noncurrent loans to loans | 1.7424% | 3,500 |
| Net loans and leases to total assets | 38.0694% | 6,487 |
| Net loans and leases to deposits | 44.2200% | 6,546 |
| Net loans and leases to core deposits | 44.7668% | 6,627 |
| Total domestic deposits to total assets | 86.0910% | 3,473 |
| Equity capital to assets | 10.7553% | 3,203 |
| Core capital (leverage) ratio | 10.7522% | 2,489 |
| Tier 1 risk-based capital ratio | 28.9428% | 573 |
| Total risk-based capital ratio | 30.2064% | 564 |
| Memoranda: | ||
| Average total assets | $266,499,000 | 2,417 |
| Average earning assets | $255,676,500 | 2,319 |
| Average equity | $29,105,000 | 2,317 |
| Average total loans | $107,712,500 | 3,418 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3918% | 7,057 |
| Cost of funding earning assets | 0.6231% | 5,975 |
| Net interest margin | 2.7686% | 6,856 |
| Noninterest income to average assets | 0.3439% | 5,062 |
| Noninterest expense to average assets | 1.5258% | 7,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4721% | 879 |
| Return on assets (ROA) | 1.4721% | 959 |
| Pretax return on assets | 1.4729% | 1,554 |
| Return on Equity (ROE) | 13.0172% | 1,166 |
| Retained earnings to average equity (ytd only) | 5.3575% | 2,405 |
| Net charge-offs to loans | -0.6066% | 7,288 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8828% | 6,783 |
| Assets per employee ($millions) | 5.9486% | 1,270 |
| Cash dividends to net income (ytd only)* | 58.8426% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 2,192 |
| Loan loss allowance to noncurrent loans | 121.6926% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 4,949 |
| Noncurrent loans to loans | 1.6652% | 3,666 |
| Net loans and leases to total assets | 41.0362% | 6,458 |
| Net loans and leases to deposits | 47.6069% | 6,523 |
| Net loans and leases to core deposits | 48.1838% | 6,629 |
| Total domestic deposits to total assets | 86.1981% | 3,198 |
| Equity capital to assets | 11.0857% | 2,909 |
| Core capital (leverage) ratio | 11.5365% | 1,863 |
| Tier 1 risk-based capital ratio | 27.6568% | 648 |
| Total risk-based capital ratio | 28.9178% | 636 |
| Memoranda: | ||
| Average total assets | $251,209,400 | 2,508 |
| Average earning assets | $240,875,600 | 2,394 |
| Average equity | $28,408,600 | 2,303 |
| Average total loans | $107,152,800 | 3,445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4928% | 7,086 |
| Cost of funding earning assets | 0.6593% | 5,987 |
| Net interest margin | 2.8335% | 6,852 |
| Noninterest income to average assets | 0.3497% | 5,058 |
| Noninterest expense to average assets | 1.5773% | 7,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4871% | 963 |
| Return on assets (ROA) | 1.4871% | 1,048 |
| Pretax return on assets | 1.4882% | 1,684 |
| Return on Equity (ROE) | 13.0805% | 1,260 |
| Retained earnings to average equity (ytd only) | 3.8302% | 3,998 |
| Net charge-offs to loans | -0.8636% | 7,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4522% | 6,730 |
| Assets per employee ($millions) | 5.5496% | 1,545 |
| Cash dividends to net income (ytd only)* | 70.7185% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0879% | 2,093 |
| Loan loss allowance to noncurrent loans | 74.4997% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.3907% | 4,040 |
| Noncurrent loans to loans | 2.8025% | 2,482 |
| Net loans and leases to total assets | 43.3409% | 6,395 |
| Net loans and leases to deposits | 51.0335% | 6,439 |
| Net loans and leases to core deposits | 51.6558% | 6,588 |
| Total domestic deposits to total assets | 84.9262% | 3,803 |
| Equity capital to assets | 11.6112% | 2,577 |
| Core capital (leverage) ratio | 11.6354% | 1,932 |
| Tier 1 risk-based capital ratio | 27.4551% | 700 |
| Total risk-based capital ratio | 28.7170% | 685 |
| Memoranda: | ||
| Average total assets | $247,089,750 | 2,564 |
| Average earning assets | $236,824,750 | 2,439 |
| Average equity | $28,092,000 | 2,325 |
| Average total loans | $105,910,750 | 3,505 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0327% | 7,334 |
| Cost of funding earning assets | 0.6665% | 6,138 |
| Net interest margin | 2.3662% | 7,251 |
| Noninterest income to average assets | 0.3379% | 5,182 |
| Noninterest expense to average assets | 1.6303% | 7,237 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9821% | 2,297 |
| Return on assets (ROA) | 0.9821% | 2,401 |
| Pretax return on assets | 0.9829% | 3,297 |
| Return on Equity (ROE) | 8.7009% | 2,637 |
| Retained earnings to average equity (ytd only) | -3.6847% | 6,442 |
| Net charge-offs to loans | -1.2571% | 7,450 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3873% | 5,527 |
| Assets per employee ($millions) | 5.4973% | 1,570 |
| Cash dividends to net income (ytd only)* | 142.3490% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1399% | 2,035 |
| Loan loss allowance to noncurrent loans | 84.3021% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.2434% | 4,411 |
| Noncurrent loans to loans | 2.5384% | 2,847 |
| Net loans and leases to total assets | 42.0931% | 6,586 |
| Net loans and leases to deposits | 48.6884% | 6,689 |
| Net loans and leases to core deposits | 49.2189% | 6,799 |
| Total domestic deposits to total assets | 86.4539% | 3,070 |
| Equity capital to assets | 11.1736% | 2,790 |
| Core capital (leverage) ratio | 10.9485% | 2,301 |
| Tier 1 risk-based capital ratio | 27.4616% | 699 |
| Total risk-based capital ratio | 28.7245% | 682 |
| Memoranda: | ||
| Average total assets | $246,209,000 | 2,589 |
| Average earning assets | $236,754,000 | 2,460 |
| Average equity | $27,790,330 | 2,330 |
| Average total loans | $104,366,330 | 3,575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 7,425 |
| Cost of funding earning assets | 0.6669% | 6,309 |
| Net interest margin | 2.2072% | 7,352 |
| Noninterest income to average assets | 0.3159% | 5,400 |
| Noninterest expense to average assets | 1.5552% | 7,335 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8843% | 2,640 |
| Return on assets (ROA) | 0.8843% | 2,708 |
| Pretax return on assets | 0.8843% | 3,564 |
| Return on Equity (ROE) | 7.7947% | 3,005 |
| Retained earnings to average equity (ytd only) | -10.3643% | 6,884 |
| Net charge-offs to loans | -1.2347% | 7,499 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7517% | 5,402 |
| Assets per employee ($millions) | 5.5476% | 1,530 |
| Cash dividends to net income (ytd only)* | 232.9650% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 2,548 |
| Loan loss allowance to noncurrent loans | 46.4115% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 1.8246% | 3,535 |
| Noncurrent loans to loans | 4.1988% | 1,704 |
| Net loans and leases to total assets | 39.1013% | 6,844 |
| Net loans and leases to deposits | 46.0345% | 6,845 |
| Net loans and leases to core deposits | 46.5389% | 6,951 |
| Total domestic deposits to total assets | 84.9392% | 4,059 |
| Equity capital to assets | 11.0018% | 2,688 |
| Core capital (leverage) ratio | 11.0073% | 2,185 |
| Tier 1 risk-based capital ratio | 28.7988% | 589 |
| Total risk-based capital ratio | 30.0585% | 575 |
| Memoranda: | ||
| Average total assets | $245,624,500 | 2,605 |
| Average earning assets | $236,313,500 | 2,483 |
| Average equity | $27,865,000 | 2,311 |
| Average total loans | $103,346,500 | 3,634 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4412% | 7,405 |
| Cost of funding earning assets | 0.8356% | 6,418 |
| Net interest margin | 2.6056% | 7,201 |
| Noninterest income to average assets | 0.2354% | 6,116 |
| Noninterest expense to average assets | 1.7140% | 7,343 |
| Loan and lease loss provision to assets | 0.5873% | 2,786 |
| Net operating income to assets | 0.4148% | 4,482 |
| Return on assets (ROA) | 0.4148% | 4,613 |
| Pretax return on assets | 0.4157% | 4,897 |
| Return on Equity (ROE) | 3.2463% | 4,843 |
| Retained earnings to average equity (ytd only) | -4.9221% | 6,288 |
| Net charge-offs to loans | 1.7701% | 1,194 |
| Credit loss provision to net charge-offs | 72.8056% | 5,795 |
| Earnings coverage of net charge-offs (x) | 1.2434% | 4,859 |
| Efficiency ratio | 63.0855% | 5,499 |
| Assets per employee ($millions) | 5.3691% | 1,696 |
| Cash dividends to net income (ytd only)* | 251.6230% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 3,935 |
| Loan loss allowance to noncurrent loans | 46.4870% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 1.5985% | 3,912 |
| Noncurrent loans to loans | 3.2546% | 2,333 |
| Net loans and leases to total assets | 43.6736% | 6,742 |
| Net loans and leases to deposits | 51.2649% | 6,793 |
| Net loans and leases to core deposits | 51.7737% | 6,918 |
| Total domestic deposits to total assets | 85.1921% | 3,757 |
| Equity capital to assets | 11.6987% | 2,128 |
| Core capital (leverage) ratio | 11.5378% | 1,814 |
| Tier 1 risk-based capital ratio | 27.5950% | 641 |
| Total risk-based capital ratio | 28.8496% | 625 |
| Memoranda: | ||
| Average total assets | $230,217,400 | 2,755 |
| Average earning assets | $219,256,000 | 2,642 |
| Average equity | $29,418,400 | 2,219 |
| Average total loans | $104,911,200 | 3,658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5971% | 7,495 |
| Cost of funding earning assets | 0.8628% | 6,536 |
| Net interest margin | 2.7343% | 7,197 |
| Noninterest income to average assets | 0.3161% | 5,618 |
| Noninterest expense to average assets | 1.7956% | 7,330 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1136% | 1,844 |
| Return on assets (ROA) | 1.1136% | 1,954 |
| Pretax return on assets | 1.1148% | 2,777 |
| Return on Equity (ROE) | 8.5231% | 2,681 |
| Retained earnings to average equity (ytd only) | -0.9874% | 6,014 |
| Net charge-offs to loans | 0.3552% | 3,883 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 6.8381% | 2,440 |
| Efficiency ratio | 61.6966% | 5,668 |
| Assets per employee ($millions) | 4.8197% | 2,424 |
| Cash dividends to net income (ytd only)* | 111.5848% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7682% | 2,905 |
| Loan loss allowance to noncurrent loans | 37.6682% | 5,828 |
| Noncurrent assets plus other real estate owned to assets | 2.4196% | 2,958 |
| Noncurrent loans to loans | 4.6940% | 1,514 |
| Net loans and leases to total assets | 45.3224% | 6,752 |
| Net loans and leases to deposits | 53.9087% | 6,776 |
| Net loans and leases to core deposits | 54.5375% | 6,929 |
| Total domestic deposits to total assets | 84.0726% | 4,083 |
| Equity capital to assets | 13.0602% | 1,546 |
| Core capital (leverage) ratio | 12.6738% | 1,350 |
| Tier 1 risk-based capital ratio | 28.8222% | 579 |
| Total risk-based capital ratio | 30.0797% | 565 |
| Memoranda: | ||
| Average total assets | $227,369,750 | 2,823 |
| Average earning assets | $215,725,000 | 2,715 |
| Average equity | $29,706,750 | 2,222 |
| Average total loans | $104,354,000 | 3,727 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 7,578 |
| Cost of funding earning assets | 0.8723% | 6,680 |
| Net interest margin | 2.7085% | 7,248 |
| Noninterest income to average assets | 0.3576% | 5,285 |
| Noninterest expense to average assets | 1.8564% | 7,321 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0692% | 1,949 |
| Return on assets (ROA) | 1.0692% | 2,024 |
| Pretax return on assets | 1.0709% | 2,872 |
| Return on Equity (ROE) | 8.1822% | 2,815 |
| Retained earnings to average equity (ytd only) | -4.1483% | 6,459 |
| Net charge-offs to loans | 0.4966% | 3,049 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 4.7066% | 2,874 |
| Efficiency ratio | 63.4154% | 5,444 |
| Assets per employee ($millions) | 4.9544% | 2,235 |
| Cash dividends to net income (ytd only)* | 150.6984% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7649% | 2,837 |
| Loan loss allowance to noncurrent loans | 34.0818% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 2.5994% | 2,790 |
| Noncurrent loans to loans | 5.1785% | 1,322 |
| Net loans and leases to total assets | 44.6263% | 6,877 |
| Net loans and leases to deposits | 52.5965% | 6,937 |
| Net loans and leases to core deposits | 53.1518% | 7,080 |
| Total domestic deposits to total assets | 84.8466% | 3,709 |
| Equity capital to assets | 12.4943% | 1,807 |
| Core capital (leverage) ratio | 12.6166% | 1,360 |
| Tier 1 risk-based capital ratio | 28.0716% | 623 |
| Total risk-based capital ratio | 29.3287% | 607 |
| Memoranda: | ||
| Average total assets | $227,650,330 | 2,842 |
| Average earning assets | $215,984,330 | 2,734 |
| Average equity | $29,747,330 | 2,205 |
| Average total loans | $104,300,000 | 3,761 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 7,667 |
| Cost of funding earning assets | 0.8954% | 6,785 |
| Net interest margin | 2.7311% | 7,264 |
| Noninterest income to average assets | 0.3466% | 5,365 |
| Noninterest expense to average assets | 1.6548% | 7,615 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2940% | 1,315 |
| Return on assets (ROA) | 1.2940% | 1,387 |
| Pretax return on assets | 1.2940% | 2,064 |
| Return on Equity (ROE) | 9.6828% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.6828% | 1,212 |
| Net charge-offs to loans | -0.0270% | 7,157 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1181% | 6,746 |
| Assets per employee ($millions) | 4.7488% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1251% | 1,897 |
| Loan loss allowance to noncurrent loans | 37.3948% | 5,874 |
| Noncurrent assets plus other real estate owned to assets | 2.8132% | 2,584 |
| Noncurrent loans to loans | 5.6830% | 1,198 |
| Net loans and leases to total assets | 44.0140% | 6,989 |
| Net loans and leases to deposits | 51.9550% | 7,045 |
| Net loans and leases to core deposits | 52.3738% | 7,179 |
| Total domestic deposits to total assets | 84.7156% | 3,802 |
| Equity capital to assets | 13.6154% | 1,281 |
| Core capital (leverage) ratio | 13.3504% | 1,116 |
| Tier 1 risk-based capital ratio | 30.9010% | 479 |
| Total risk-based capital ratio | 32.1628% | 471 |
| Memoranda: | ||
| Average total assets | $225,046,500 | 2,929 |
| Average earning assets | $214,423,000 | 2,810 |
| Average equity | $30,074,000 | 2,213 |
| Average total loans | $103,558,500 | 3,839 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 7,682 |
| Cost of funding earning assets | 1.1055% | 6,957 |
| Net interest margin | 2.9312% | 6,798 |
| Noninterest income to average assets | 0.3829% | 5,355 |
| Noninterest expense to average assets | 1.7884% | 7,621 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4099% | 834 |
| Return on assets (ROA) | 1.5349% | 668 |
| Pretax return on assets | 1.5358% | 1,111 |
| Return on Equity (ROE) | 11.4911% | 1,296 |
| Retained earnings to average equity (ytd only) | -1.8471% | 5,480 |
| Net charge-offs to loans | 0.3410% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 8.8362% | 1,882 |
| Efficiency ratio | 55.9002% | 7,031 |
| Assets per employee ($millions) | 4.8276% | 2,443 |
| Cash dividends to net income (ytd only)* | 116.0741% | 440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 2,050 |
| Loan loss allowance to noncurrent loans | 38.5215% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 2.6858% | 2,611 |
| Noncurrent loans to loans | 5.1702% | 1,287 |
| Net loans and leases to total assets | 46.1093% | 6,959 |
| Net loans and leases to deposits | 53.7958% | 7,062 |
| Net loans and leases to core deposits | 57.1603% | 7,366 |
| Total domestic deposits to total assets | 85.7116% | 3,156 |
| Equity capital to assets | 13.1156% | 1,464 |
| Core capital (leverage) ratio | 12.8768% | 1,289 |
| Tier 1 risk-based capital ratio | 28.3952% | 614 |
| Total risk-based capital ratio | 29.6546% | 598 |
| Memoranda: | ||
| Average total assets | $221,710,400 | 2,917 |
| Average earning assets | $213,016,200 | 2,794 |
| Average equity | $29,614,200 | 2,255 |
| Average total loans | $103,805,000 | 3,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 7,780 |
| Cost of funding earning assets | 1.1367% | 7,073 |
| Net interest margin | 2.9446% | 6,737 |
| Noninterest income to average assets | 0.3853% | 5,432 |
| Noninterest expense to average assets | 1.8032% | 7,658 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4125% | 996 |
| Return on assets (ROA) | 1.4125% | 1,065 |
| Pretax return on assets | 1.4137% | 1,660 |
| Return on Equity (ROE) | 10.5256% | 1,755 |
| Retained earnings to average equity (ytd only) | -6.0133% | 6,388 |
| Net charge-offs to loans | 0.5006% | 3,223 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.0387% | 2,680 |
| Efficiency ratio | 56.0549% | 6,990 |
| Assets per employee ($millions) | 4.7471% | 2,481 |
| Cash dividends to net income (ytd only)* | 157.1305% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 1,756 |
| Loan loss allowance to noncurrent loans | 38.0615% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 2.7224% | 2,549 |
| Noncurrent loans to loans | 5.3088% | 1,201 |
| Net loans and leases to total assets | 45.4884% | 7,142 |
| Net loans and leases to deposits | 52.9683% | 7,261 |
| Net loans and leases to core deposits | 56.5454% | 7,528 |
| Total domestic deposits to total assets | 85.8784% | 2,761 |
| Equity capital to assets | 13.1185% | 1,652 |
| Core capital (leverage) ratio | 12.8885% | 1,413 |
| Tier 1 risk-based capital ratio | 27.9952% | 684 |
| Total risk-based capital ratio | 29.2553% | 669 |
| Memoranda: | ||
| Average total assets | $220,413,500 | 2,952 |
| Average earning assets | $211,950,500 | 2,828 |
| Average equity | $29,578,000 | 2,279 |
| Average total loans | $103,069,500 | 3,904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1186% | 7,868 |
| Cost of funding earning assets | 1.1626% | 7,208 |
| Net interest margin | 2.9559% | 6,666 |
| Noninterest income to average assets | 0.3681% | 5,563 |
| Noninterest expense to average assets | 1.7411% | 7,795 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4614% | 917 |
| Return on assets (ROA) | 1.4614% | 979 |
| Pretax return on assets | 1.4623% | 1,556 |
| Return on Equity (ROE) | 10.8083% | 1,756 |
| Retained earnings to average equity (ytd only) | -11.3541% | 6,996 |
| Net charge-offs to loans | 0.8455% | 2,001 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 3.6897% | 3,336 |
| Efficiency ratio | 54.3515% | 7,294 |
| Assets per employee ($millions) | 4.6660% | 2,507 |
| Cash dividends to net income (ytd only)* | 205.0499% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9979% | 1,573 |
| Loan loss allowance to noncurrent loans | 38.8562% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 2.6621% | 2,414 |
| Noncurrent loans to loans | 5.1419% | 1,173 |
| Net loans and leases to total assets | 45.7408% | 7,213 |
| Net loans and leases to deposits | 53.2041% | 7,326 |
| Net loans and leases to core deposits | 56.5653% | 7,573 |
| Total domestic deposits to total assets | 85.9722% | 2,807 |
| Equity capital to assets | 13.1618% | 1,631 |
| Core capital (leverage) ratio | 12.8049% | 1,505 |
| Tier 1 risk-based capital ratio | 28.0415% | 712 |
| Total risk-based capital ratio | 29.3015% | 696 |
| Memoranda: | ||
| Average total assets | $219,514,000 | 2,985 |
| Average earning assets | $210,559,000 | 2,863 |
| Average equity | $29,681,000 | 2,291 |
| Average total loans | $102,898,330 | 3,939 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4602% | 7,752 |
| Cost of funding earning assets | 1.2056% | 7,286 |
| Net interest margin | 3.2547% | 5,675 |
| Noninterest income to average assets | 0.3369% | 5,760 |
| Noninterest expense to average assets | 1.7649% | 7,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6975% | 650 |
| Return on assets (ROA) | 1.6975% | 716 |
| Pretax return on assets | 1.6993% | 1,182 |
| Return on Equity (ROE) | 12.3897% | 1,543 |
| Retained earnings to average equity (ytd only) | -21.2433% | 7,683 |
| Net charge-offs to loans | -0.0349% | 7,597 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9464% | 7,514 |
| Assets per employee ($millions) | 4.7034% | 2,432 |
| Cash dividends to net income (ytd only)* | 271.4592% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 801 |
| Loan loss allowance to noncurrent loans | 44.0942% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.5884% | 2,212 |
| Noncurrent loans to loans | 5.5599% | 915 |
| Net loans and leases to total assets | 44.8191% | 7,278 |
| Net loans and leases to deposits | 52.3649% | 7,377 |
| Net loans and leases to core deposits | 55.3927% | 7,641 |
| Total domestic deposits to total assets | 85.5899% | 2,929 |
| Equity capital to assets | 13.1543% | 1,678 |
| Core capital (leverage) ratio | 13.0741% | 1,458 |
| Tier 1 risk-based capital ratio | 27.8540% | 767 |
| Total risk-based capital ratio | 29.1183% | 746 |
| Memoranda: | ||
| Average total assets | $219,620,500 | 2,992 |
| Average earning assets | $211,021,000 | 2,866 |
| Average equity | $30,089,500 | 2,267 |
| Average total loans | $103,170,000 | 3,957 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5674% | 7,161 |
| Cost of funding earning assets | 1.9850% | 6,457 |
| Net interest margin | 3.5823% | 4,966 |
| Noninterest income to average assets | 0.3922% | 5,539 |
| Noninterest expense to average assets | 1.7262% | 7,844 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.0251% | 330 |
| Return on assets (ROA) | 2.0251% | 314 |
| Pretax return on assets | 2.0261% | 562 |
| Return on Equity (ROE) | 14.2578% | 1,055 |
| Retained earnings to average equity (ytd only) | 0.4931% | 4,946 |
| Net charge-offs to loans | 1.1174% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 3.6478% | 4,269 |
| Efficiency ratio | 46.0033% | 7,932 |
| Assets per employee ($millions) | 4.6421% | 2,413 |
| Cash dividends to net income (ytd only)* | 96.5419% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3680% | 783 |
| Loan loss allowance to noncurrent loans | 68.4225% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 2,863 |
| Noncurrent loans to loans | 3.4608% | 1,471 |
| Net loans and leases to total assets | 46.8840% | 7,262 |
| Net loans and leases to deposits | 55.6410% | 7,349 |
| Net loans and leases to core deposits | 58.6073% | 7,647 |
| Total domestic deposits to total assets | 84.2617% | 3,197 |
| Equity capital to assets | 14.2542% | 1,363 |
| Core capital (leverage) ratio | 13.9329% | 1,269 |
| Tier 1 risk-based capital ratio | 26.3150% | 873 |
| Total risk-based capital ratio | 27.5766% | 856 |
| Memoranda: | ||
| Average total assets | $207,046,400 | 3,043 |
| Average earning assets | $194,202,800 | 2,972 |
| Average equity | $29,408,400 | 2,300 |
| Average total loans | $102,917,000 | 3,876 |