Home > Northmark Bank > Performance and Condition Ratios
Northmark Bank, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5323% | 2,517 |
| Cost of funding earning assets | 0.1712% | 3,614 |
| Net interest margin | 3.3612% | 2,100 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 3.5088% | 487 |
| Loan and lease loss provision to assets | -0.0500% | 4,490 |
| Net operating income to assets | 0.0271% | 4,579 |
| Return on assets (ROA) | 0.0271% | 4,550 |
| Pretax return on assets | 0.1025% | 4,517 |
| Return on Equity (ROE) | 0.2200% | 4,551 |
| Retained earnings to average equity (ytd only) | -1.3581% | 4,449 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 98.6577% | 170 |
| Assets per employee ($millions) | 10.2651% | 602 |
| Cash dividends to net income (ytd only)* | 713.4831% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 2,274 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.5000% | 1,232 |
| Net loans and leases to deposits | 83.7940% | 1,317 |
| Net loans and leases to core deposits | 100.8049% | 785 |
| Total domestic deposits to total assets | 86.5300% | 2,915 |
| Equity capital to assets | 12.2389% | 832 |
| Core capital (leverage) ratio | 12.3298% | 1,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $438,468,750 | 1,901 |
| Average earning assets | $422,979,000 | 1,848 |
| Average equity | $53,601,750 | 1,547 |
| Average total loans | $316,295,250 | 1,645 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 2,462 |
| Cost of funding earning assets | 0.1766% | 3,222 |
| Net interest margin | 3.2162% | 2,139 |
| Noninterest income to average assets | 0.4114% | 2,683 |
| Noninterest expense to average assets | 2.2748% | 2,619 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8850% | 2,649 |
| Return on assets (ROA) | 0.8850% | 2,619 |
| Pretax return on assets | 1.2424% | 1,925 |
| Return on Equity (ROE) | 7.2420% | 3,237 |
| Retained earnings to average equity (ytd only) | 4.8849% | 2,745 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6763% | 2,683 |
| Assets per employee ($millions) | 9.7264% | 715 |
| Cash dividends to net income (ytd only)* | 32.5474% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.9556% | 1,010 |
| Net loans and leases to deposits | 85.6332% | 1,002 |
| Net loans and leases to core deposits | 102.6975% | 562 |
| Total domestic deposits to total assets | 85.1954% | 3,442 |
| Equity capital to assets | 12.7644% | 706 |
| Core capital (leverage) ratio | 12.6762% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $440,913,667 | 1,901 |
| Average earning assets | $425,777,667 | 1,857 |
| Average equity | $53,880,333 | 1,587 |
| Average total loans | $316,214,333 | 1,645 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 2,417 |
| Cost of funding earning assets | 0.1845% | 3,021 |
| Net interest margin | 3.1046% | 2,162 |
| Noninterest income to average assets | 0.1565% | 4,218 |
| Noninterest expense to average assets | 2.0966% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7600% | 2,810 |
| Return on assets (ROA) | 0.7600% | 2,804 |
| Pretax return on assets | 1.0684% | 2,237 |
| Return on Equity (ROE) | 6.3543% | 3,236 |
| Retained earnings to average equity (ytd only) | 1.6073% | 3,654 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2429% | 2,739 |
| Assets per employee ($millions) | 9.8326% | 717 |
| Cash dividends to net income (ytd only)* | 74.7059% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 69.9757% | 1,027 |
| Net loans and leases to deposits | 81.2965% | 1,055 |
| Net loans and leases to core deposits | 99.5844% | 530 |
| Total domestic deposits to total assets | 86.0747% | 3,232 |
| Equity capital to assets | 12.1173% | 920 |
| Core capital (leverage) ratio | 12.1335% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,389,000 | 1,891 |
| Average earning assets | $433,551,000 | 1,844 |
| Average equity | $53,507,000 | 1,636 |
| Average total loans | $316,146,000 | 1,633 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3423% | 3,078 |
| Cost of funding earning assets | 0.2859% | 2,545 |
| Net interest margin | 3.0564% | 3,028 |
| Noninterest income to average assets | 0.1928% | 4,204 |
| Noninterest expense to average assets | 2.0397% | 3,553 |
| Loan and lease loss provision to assets | 0.0134% | 2,816 |
| Net operating income to assets | 0.7831% | 3,384 |
| Return on assets (ROA) | 0.7831% | 3,452 |
| Pretax return on assets | 1.0927% | 2,999 |
| Return on Equity (ROE) | 6.7865% | 3,573 |
| Retained earnings to average equity (ytd only) | 5.5646% | 2,534 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8394% | 2,425 |
| Assets per employee ($millions) | 10.5188% | 578 |
| Cash dividends to net income (ytd only)* | 18.0057% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.5134% | 1,091 |
| Net loans and leases to deposits | 80.4652% | 1,173 |
| Net loans and leases to core deposits | 99.5580% | 555 |
| Total domestic deposits to total assets | 86.3894% | 2,764 |
| Equity capital to assets | 11.8058% | 1,342 |
| Core capital (leverage) ratio | 11.6852% | 1,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $448,247,200 | 1,843 |
| Average earning assets | $433,087,000 | 1,790 |
| Average equity | $51,720,200 | 1,712 |
| Average total loans | $318,249,400 | 1,630 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3486% | 3,255 |
| Cost of funding earning assets | 0.3027% | 2,568 |
| Net interest margin | 3.0460% | 3,190 |
| Noninterest income to average assets | 0.2215% | 4,078 |
| Noninterest expense to average assets | 2.1823% | 3,128 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6967% | 3,775 |
| Return on assets (ROA) | 0.6967% | 3,843 |
| Pretax return on assets | 0.9793% | 3,523 |
| Return on Equity (ROE) | 6.0739% | 3,890 |
| Retained earnings to average equity (ytd only) | 4.4313% | 3,433 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0240% | 1,702 |
| Assets per employee ($millions) | 10.4197% | 569 |
| Cash dividends to net income (ytd only)* | 27.0432% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.7252% | 1,235 |
| Net loans and leases to deposits | 80.2250% | 1,269 |
| Net loans and leases to core deposits | 99.1479% | 622 |
| Total domestic deposits to total assets | 85.6655% | 2,886 |
| Equity capital to assets | 11.4060% | 1,731 |
| Core capital (leverage) ratio | 11.4124% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $447,231,500 | 1,868 |
| Average earning assets | $431,686,000 | 1,818 |
| Average equity | $51,300,500 | 1,740 |
| Average total loans | $318,175,750 | 1,661 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 3,272 |
| Cost of funding earning assets | 0.3238% | 2,555 |
| Net interest margin | 3.0438% | 3,195 |
| Noninterest income to average assets | 0.2444% | 3,933 |
| Noninterest expense to average assets | 2.2210% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6841% | 3,796 |
| Return on assets (ROA) | 0.6841% | 3,864 |
| Pretax return on assets | 0.9610% | 3,524 |
| Return on Equity (ROE) | 5.9526% | 3,912 |
| Retained earnings to average equity (ytd only) | 3.4727% | 3,696 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7988% | 1,669 |
| Assets per employee ($millions) | 9.7414% | 661 |
| Cash dividends to net income (ytd only)* | 41.6612% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.1344% | 1,562 |
| Net loans and leases to deposits | 78.3217% | 1,584 |
| Net loans and leases to core deposits | 97.0755% | 757 |
| Total domestic deposits to total assets | 85.7163% | 2,832 |
| Equity capital to assets | 11.2790% | 1,771 |
| Core capital (leverage) ratio | 11.5463% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $443,486,000 | 1,867 |
| Average earning assets | $428,012,000 | 1,823 |
| Average equity | $50,969,667 | 1,743 |
| Average total loans | $317,850,667 | 1,660 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4799% | 2,983 |
| Cost of funding earning assets | 0.3436% | 2,578 |
| Net interest margin | 3.1363% | 2,889 |
| Noninterest income to average assets | 0.2934% | 3,646 |
| Noninterest expense to average assets | 2.2480% | 2,952 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7646% | 3,534 |
| Return on assets (ROA) | 0.7646% | 3,602 |
| Pretax return on assets | 1.0745% | 3,178 |
| Return on Equity (ROE) | 6.5884% | 3,708 |
| Retained earnings to average equity (ytd only) | 1.5957% | 4,101 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6600% | 1,982 |
| Assets per employee ($millions) | 9.5877% | 679 |
| Cash dividends to net income (ytd only)* | 75.7794% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 2,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.1544% | 997 |
| Net loans and leases to deposits | 84.3781% | 1,107 |
| Net loans and leases to core deposits | 106.8561% | 486 |
| Total domestic deposits to total assets | 85.5132% | 2,921 |
| Equity capital to assets | 11.5544% | 1,506 |
| Core capital (leverage) ratio | 11.7799% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $436,307,000 | 1,878 |
| Average earning assets | $421,388,000 | 1,835 |
| Average equity | $50,634,500 | 1,743 |
| Average total loans | $321,056,500 | 1,664 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 3,063 |
| Cost of funding earning assets | 0.5456% | 2,635 |
| Net interest margin | 3.3418% | 2,951 |
| Noninterest income to average assets | 0.2972% | 3,705 |
| Noninterest expense to average assets | 2.3038% | 3,390 |
| Loan and lease loss provision to assets | 0.0623% | 3,591 |
| Net operating income to assets | 0.8231% | 3,000 |
| Return on assets (ROA) | 0.8231% | 3,124 |
| Pretax return on assets | 1.1463% | 2,525 |
| Return on Equity (ROE) | 6.7776% | 3,290 |
| Retained earnings to average equity (ytd only) | 5.4771% | 2,059 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5909% | 2,595 |
| Assets per employee ($millions) | 9.1825% | 695 |
| Cash dividends to net income (ytd only)* | 19.1889% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 2,560 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.1617% | 1,136 |
| Net loans and leases to deposits | 85.5608% | 1,287 |
| Net loans and leases to core deposits | 105.7166% | 655 |
| Total domestic deposits to total assets | 85.5085% | 2,567 |
| Equity capital to assets | 11.6572% | 1,763 |
| Core capital (leverage) ratio | 11.5699% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $401,385,600 | 1,861 |
| Average earning assets | $386,166,000 | 1,809 |
| Average equity | $48,748,800 | 1,735 |
| Average total loans | $318,559,000 | 1,619 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 3,140 |
| Cost of funding earning assets | 0.5962% | 2,636 |
| Net interest margin | 3.3443% | 3,054 |
| Noninterest income to average assets | 0.3463% | 3,394 |
| Noninterest expense to average assets | 2.4256% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8115% | 3,048 |
| Return on assets (ROA) | 0.8115% | 3,168 |
| Pretax return on assets | 1.1358% | 2,621 |
| Return on Equity (ROE) | 6.6088% | 3,339 |
| Retained earnings to average equity (ytd only) | 4.8608% | 2,626 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1084% | 2,173 |
| Assets per employee ($millions) | 9.4841% | 603 |
| Cash dividends to net income (ytd only)* | 26.4497% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 76.0072% | 1,096 |
| Net loans and leases to deposits | 90.7107% | 1,200 |
| Net loans and leases to core deposits | 111.5861% | 644 |
| Total domestic deposits to total assets | 83.7908% | 2,895 |
| Equity capital to assets | 11.8358% | 1,777 |
| Core capital (leverage) ratio | 11.9016% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $393,837,500 | 1,863 |
| Average earning assets | $378,629,750 | 1,815 |
| Average equity | $48,358,500 | 1,742 |
| Average total loans | $318,244,250 | 1,620 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,133 |
| Cost of funding earning assets | 0.6439% | 2,732 |
| Net interest margin | 3.4253% | 3,021 |
| Noninterest income to average assets | 0.2559% | 3,939 |
| Noninterest expense to average assets | 2.4869% | 2,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7580% | 3,190 |
| Return on assets (ROA) | 0.7580% | 3,305 |
| Pretax return on assets | 1.0601% | 2,836 |
| Return on Equity (ROE) | 6.0940% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.4531% | 3,200 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1139% | 1,939 |
| Assets per employee ($millions) | 9.5259% | 581 |
| Cash dividends to net income (ytd only)* | 43.3356% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,796 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.7947% | 1,022 |
| Net loans and leases to deposits | 95.1271% | 862 |
| Net loans and leases to core deposits | 117.1848% | 497 |
| Total domestic deposits to total assets | 80.7285% | 3,676 |
| Equity capital to assets | 11.3221% | 2,111 |
| Core capital (leverage) ratio | 12.0697% | 1,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $386,016,333 | 1,862 |
| Average earning assets | $370,882,333 | 1,816 |
| Average equity | $48,014,333 | 1,736 |
| Average total loans | $317,326,667 | 1,610 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 2,521 |
| Cost of funding earning assets | 0.6961% | 2,949 |
| Net interest margin | 3.7290% | 2,222 |
| Noninterest income to average assets | 0.1448% | 4,641 |
| Noninterest expense to average assets | 2.6839% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7393% | 3,135 |
| Return on assets (ROA) | 0.7393% | 3,214 |
| Pretax return on assets | 1.0332% | 2,726 |
| Return on Equity (ROE) | 5.6455% | 3,440 |
| Retained earnings to average equity (ytd only) | 0.3350% | 3,913 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2042% | 2,049 |
| Assets per employee ($millions) | 7.5638% | 876 |
| Cash dividends to net income (ytd only)* | 94.0653% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 82.3925% | 405 |
| Net loans and leases to deposits | 100.4180% | 531 |
| Net loans and leases to core deposits | 128.6242% | 287 |
| Total domestic deposits to total assets | 82.0496% | 3,412 |
| Equity capital to assets | 12.8823% | 1,504 |
| Core capital (leverage) ratio | 13.2642% | 1,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $364,692,000 | 1,907 |
| Average earning assets | $349,372,000 | 1,854 |
| Average equity | $47,754,500 | 1,732 |
| Average total loans | $309,485,000 | 1,598 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 2,312 |
| Cost of funding earning assets | 0.6956% | 3,179 |
| Net interest margin | 4.0082% | 1,831 |
| Noninterest income to average assets | 0.1681% | 4,648 |
| Noninterest expense to average assets | 2.5433% | 3,339 |
| Loan and lease loss provision to assets | 0.0055% | 3,900 |
| Net operating income to assets | 1.0449% | 2,677 |
| Return on assets (ROA) | 1.0449% | 2,769 |
| Pretax return on assets | 1.4470% | 1,987 |
| Return on Equity (ROE) | 8.2629% | 3,053 |
| Retained earnings to average equity (ytd only) | 6.8796% | 1,438 |
| Net charge-offs to loans | 0.0006% | 3,708 |
| Credit loss provision to net charge-offs | 1,000.0000% | 339 |
| Earnings coverage of net charge-offs (x) | 2,644.5000% | 22 |
| Efficiency ratio | 63.6495% | 3,124 |
| Assets per employee ($millions) | 7.3216% | 924 |
| Cash dividends to net income (ytd only)* | 16.7411% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 2,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 85.2848% | 220 |
| Net loans and leases to deposits | 100.5759% | 565 |
| Net loans and leases to core deposits | 128.0032% | 303 |
| Total domestic deposits to total assets | 84.7964% | 2,574 |
| Equity capital to assets | 13.3137% | 1,362 |
| Core capital (leverage) ratio | 13.2055% | 1,152 |
| Tier 1 risk-based capital ratio | 19.2860% | 1,460 |
| Total risk-based capital ratio | 20.5398% | 1,424 |
| Memoranda: | ||
| Average total assets | $364,132,800 | 1,865 |
| Average earning assets | $347,736,200 | 1,823 |
| Average equity | $46,049,000 | 1,719 |
| Average total loans | $309,182,200 | 1,570 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 2,396 |
| Cost of funding earning assets | 0.6914% | 3,255 |
| Net interest margin | 4.0168% | 1,880 |
| Noninterest income to average assets | 0.1689% | 4,707 |
| Noninterest expense to average assets | 2.5628% | 3,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0342% | 2,846 |
| Return on assets (ROA) | 1.0342% | 2,926 |
| Pretax return on assets | 1.4381% | 2,160 |
| Return on Equity (ROE) | 8.2856% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.4239% | 2,160 |
| Net charge-offs to loans | 0.0004% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 3,951.7820% | 11 |
| Efficiency ratio | 64.0558% | 3,001 |
| Assets per employee ($millions) | 7.4626% | 857 |
| Cash dividends to net income (ytd only)* | 22.4691% | 2,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 2,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 84.2278% | 327 |
| Net loans and leases to deposits | 99.7254% | 658 |
| Net loans and leases to core deposits | 125.9101% | 362 |
| Total domestic deposits to total assets | 84.4597% | 2,646 |
| Equity capital to assets | 12.7935% | 1,737 |
| Core capital (leverage) ratio | 12.9907% | 1,349 |
| Tier 1 risk-based capital ratio | 18.7240% | 1,631 |
| Total risk-based capital ratio | 19.9771% | 1,600 |
| Memoranda: | ||
| Average total assets | $365,476,500 | 1,876 |
| Average earning assets | $348,657,500 | 1,833 |
| Average equity | $45,620,250 | 1,734 |
| Average total loans | $309,031,750 | 1,580 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 2,378 |
| Cost of funding earning assets | 0.6866% | 3,241 |
| Net interest margin | 4.0068% | 1,900 |
| Noninterest income to average assets | 0.1598% | 4,785 |
| Noninterest expense to average assets | 2.5582% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0268% | 2,816 |
| Return on assets (ROA) | 1.0268% | 2,897 |
| Pretax return on assets | 1.4280% | 2,111 |
| Return on Equity (ROE) | 8.2948% | 3,166 |
| Retained earnings to average equity (ytd only) | 5.4783% | 2,530 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1769% | 3,101 |
| Assets per employee ($millions) | 7.6957% | 747 |
| Cash dividends to net income (ytd only)* | 33.9552% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,322 |
| Loan loss allowance to noncurrent loans | 11,515.1515% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 4,758 |
| Noncurrent loans to loans | 0.0107% | 4,670 |
| Net loans and leases to total assets | 83.9209% | 363 |
| Net loans and leases to deposits | 100.7177% | 626 |
| Net loans and leases to core deposits | 127.4027% | 360 |
| Total domestic deposits to total assets | 83.3229% | 3,105 |
| Equity capital to assets | 12.6688% | 1,763 |
| Core capital (leverage) ratio | 12.6427% | 1,466 |
| Tier 1 risk-based capital ratio | 18.5013% | 1,668 |
| Total risk-based capital ratio | 19.7550% | 1,632 |
| Memoranda: | ||
| Average total assets | $365,412,330 | 1,885 |
| Average earning assets | $348,954,000 | 1,839 |
| Average equity | $45,233,000 | 1,744 |
| Average total loans | $308,111,330 | 1,582 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 2,312 |
| Cost of funding earning assets | 0.6715% | 3,196 |
| Net interest margin | 4.0005% | 1,853 |
| Noninterest income to average assets | 0.1329% | 4,932 |
| Noninterest expense to average assets | 2.5115% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0368% | 2,714 |
| Return on assets (ROA) | 1.0368% | 2,755 |
| Pretax return on assets | 1.4431% | 1,949 |
| Return on Equity (ROE) | 8.4739% | 3,053 |
| Retained earnings to average equity (ytd only) | 2.8039% | 3,817 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5087% | 3,313 |
| Assets per employee ($millions) | 7.3934% | 852 |
| Cash dividends to net income (ytd only)* | 66.9118% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 83.4196% | 429 |
| Net loans and leases to deposits | 101.4298% | 535 |
| Net loans and leases to core deposits | 130.9970% | 296 |
| Total domestic deposits to total assets | 82.2437% | 3,665 |
| Equity capital to assets | 12.4074% | 1,797 |
| Core capital (leverage) ratio | 12.3905% | 1,562 |
| Tier 1 risk-based capital ratio | 18.1581% | 1,756 |
| Total risk-based capital ratio | 19.4116% | 1,708 |
| Memoranda: | ||
| Average total assets | $367,268,500 | 1,890 |
| Average earning assets | $350,853,000 | 1,847 |
| Average equity | $44,938,000 | 1,735 |
| Average total loans | $308,496,000 | 1,598 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,356 |
| Cost of funding earning assets | 0.5535% | 3,025 |
| Net interest margin | 3.9808% | 2,056 |
| Noninterest income to average assets | 0.1510% | 4,956 |
| Noninterest expense to average assets | 2.4773% | 3,677 |
| Loan and lease loss provision to assets | 0.0111% | 3,911 |
| Net operating income to assets | 1.0570% | 2,771 |
| Return on assets (ROA) | 1.0570% | 2,759 |
| Pretax return on assets | 1.4666% | 1,888 |
| Return on Equity (ROE) | 8.7667% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.4447% | 1,481 |
| Net charge-offs to loans | 0.0003% | 3,776 |
| Credit loss provision to net charge-offs | 4,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 5,303.0000% | 9 |
| Efficiency ratio | 62.6365% | 3,412 |
| Assets per employee ($millions) | 7.9204% | 679 |
| Cash dividends to net income (ytd only)* | 15.0804% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 2,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 82.5181% | 586 |
| Net loans and leases to deposits | 100.7660% | 686 |
| Net loans and leases to core deposits | 130.4543% | 313 |
| Total domestic deposits to total assets | 81.8909% | 3,672 |
| Equity capital to assets | 12.0687% | 1,847 |
| Core capital (leverage) ratio | 12.1821% | 1,621 |
| Tier 1 risk-based capital ratio | 17.8256% | 1,806 |
| Total risk-based capital ratio | 19.0785% | 1,762 |
| Memoranda: | ||
| Average total assets | $358,857,200 | 1,883 |
| Average earning assets | $342,921,200 | 1,839 |
| Average equity | $43,265,800 | 1,731 |
| Average total loans | $305,632,400 | 1,575 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 2,448 |
| Cost of funding earning assets | 0.5145% | 3,099 |
| Net interest margin | 3.9414% | 2,158 |
| Noninterest income to average assets | 0.1605% | 4,979 |
| Noninterest expense to average assets | 2.5177% | 3,536 |
| Loan and lease loss provision to assets | 0.0150% | 3,711 |
| Net operating income to assets | 1.0032% | 3,066 |
| Return on assets (ROA) | 1.0032% | 3,080 |
| Pretax return on assets | 1.4000% | 2,233 |
| Return on Equity (ROE) | 8.3233% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.5435% | 2,365 |
| Net charge-offs to loans | 0.0004% | 3,480 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 3,782.3609% | 11 |
| Efficiency ratio | 64.0187% | 3,182 |
| Assets per employee ($millions) | 7.3425% | 825 |
| Cash dividends to net income (ytd only)* | 21.3832% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 85.6325% | 297 |
| Net loans and leases to deposits | 104.4288% | 524 |
| Net loans and leases to core deposits | 128.7339% | 359 |
| Total domestic deposits to total assets | 82.0008% | 3,609 |
| Equity capital to assets | 12.1737% | 1,786 |
| Core capital (leverage) ratio | 12.4201% | 1,543 |
| Tier 1 risk-based capital ratio | 17.4249% | 1,960 |
| Total risk-based capital ratio | 18.6781% | 1,910 |
| Memoranda: | ||
| Average total assets | $355,506,500 | 1,903 |
| Average earning assets | $340,240,500 | 1,861 |
| Average equity | $42,850,500 | 1,745 |
| Average total loans | $304,295,000 | 1,591 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,520 |
| Cost of funding earning assets | 0.4948% | 3,035 |
| Net interest margin | 3.8717% | 2,304 |
| Noninterest income to average assets | 0.1644% | 5,006 |
| Noninterest expense to average assets | 2.5181% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9664% | 3,157 |
| Return on assets (ROA) | 0.9664% | 3,161 |
| Pretax return on assets | 1.3500% | 2,328 |
| Return on Equity (ROE) | 8.0453% | 3,484 |
| Retained earnings to average equity (ytd only) | 5.3557% | 2,902 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0993% | 3,141 |
| Assets per employee ($millions) | 7.2664% | 840 |
| Cash dividends to net income (ytd only)* | 33.4307% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2443% | 2,463 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 85.5828% | 298 |
| Net loans and leases to deposits | 100.9582% | 741 |
| Net loans and leases to core deposits | 124.9555% | 436 |
| Total domestic deposits to total assets | 84.7706% | 2,764 |
| Equity capital to assets | 12.2812% | 1,676 |
| Core capital (leverage) ratio | 12.1878% | 1,597 |
| Tier 1 risk-based capital ratio | 17.3827% | 1,972 |
| Total risk-based capital ratio | 18.6354% | 1,928 |
| Memoranda: | ||
| Average total assets | $354,081,000 | 1,916 |
| Average earning assets | $338,715,670 | 1,875 |
| Average equity | $42,534,330 | 1,765 |
| Average total loans | $301,763,000 | 1,599 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 2,620 |
| Cost of funding earning assets | 0.4878% | 2,885 |
| Net interest margin | 3.7861% | 2,474 |
| Noninterest income to average assets | 0.1693% | 5,010 |
| Noninterest expense to average assets | 2.5140% | 3,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9139% | 3,231 |
| Return on assets (ROA) | 0.9139% | 3,240 |
| Pretax return on assets | 1.2760% | 2,455 |
| Return on Equity (ROE) | 7.6916% | 3,509 |
| Retained earnings to average equity (ytd only) | 2.2933% | 4,247 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3314% | 3,103 |
| Assets per employee ($millions) | 7.5635% | 750 |
| Cash dividends to net income (ytd only)* | 70.1840% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 2,520 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 83.5843% | 480 |
| Net loans and leases to deposits | 98.1288% | 845 |
| Net loans and leases to core deposits | 120.9844% | 556 |
| Total domestic deposits to total assets | 85.1782% | 2,866 |
| Equity capital to assets | 11.8214% | 1,902 |
| Core capital (leverage) ratio | 11.9303% | 1,695 |
| Tier 1 risk-based capital ratio | 17.0001% | 2,118 |
| Total risk-based capital ratio | 18.2533% | 2,070 |
| Memoranda: | ||
| Average total assets | $356,729,000 | 1,913 |
| Average earning assets | $341,147,000 | 1,867 |
| Average equity | $42,384,000 | 1,778 |
| Average total loans | $301,514,000 | 1,595 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2033% | 2,680 |
| Cost of funding earning assets | 0.4542% | 2,730 |
| Net interest margin | 3.7491% | 2,610 |
| Noninterest income to average assets | 0.2132% | 4,873 |
| Noninterest expense to average assets | 2.3091% | 4,305 |
| Loan and lease loss provision to assets | 0.0498% | 3,223 |
| Net operating income to assets | 0.6810% | 3,678 |
| Return on assets (ROA) | 0.6810% | 3,730 |
| Pretax return on assets | 1.4310% | 1,880 |
| Return on Equity (ROE) | 5.6648% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.2622% | 2,603 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9273% | 4,126 |
| Assets per employee ($millions) | 7.6165% | 731 |
| Cash dividends to net income (ytd only)* | 24.7599% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 83.3516% | 508 |
| Net loans and leases to deposits | 97.6103% | 930 |
| Net loans and leases to core deposits | 120.4162% | 570 |
| Total domestic deposits to total assets | 85.3923% | 2,694 |
| Equity capital to assets | 11.9408% | 1,869 |
| Core capital (leverage) ratio | 11.8530% | 1,687 |
| Tier 1 risk-based capital ratio | 17.2699% | 2,008 |
| Total risk-based capital ratio | 18.5231% | 1,955 |
| Memoranda: | ||
| Average total assets | $351,702,000 | 1,909 |
| Average earning assets | $335,524,000 | 1,864 |
| Average equity | $42,279,000 | 1,762 |
| Average total loans | $297,650,000 | 1,580 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 2,783 |
| Cost of funding earning assets | 0.4434% | 2,771 |
| Net interest margin | 3.7095% | 2,720 |
| Noninterest income to average assets | 0.2346% | 4,807 |
| Noninterest expense to average assets | 2.3469% | 4,167 |
| Loan and lease loss provision to assets | 0.0400% | 3,311 |
| Net operating income to assets | 0.8206% | 3,435 |
| Return on assets (ROA) | 0.8206% | 3,476 |
| Pretax return on assets | 1.3838% | 2,162 |
| Return on Equity (ROE) | 6.8147% | 3,765 |
| Retained earnings to average equity (ytd only) | 4.9395% | 2,927 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2400% | 3,845 |
| Assets per employee ($millions) | 7.5349% | 756 |
| Cash dividends to net income (ytd only)* | 27.5175% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,798 |
| Loan loss allowance to noncurrent loans | 1,464.6825% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 4,879 |
| Noncurrent loans to loans | 0.0834% | 4,736 |
| Net loans and leases to total assets | 84.3183% | 403 |
| Net loans and leases to deposits | 99.2858% | 796 |
| Net loans and leases to core deposits | 123.1321% | 485 |
| Total domestic deposits to total assets | 84.9248% | 2,742 |
| Equity capital to assets | 11.9995% | 1,964 |
| Core capital (leverage) ratio | 11.8934% | 1,757 |
| Tier 1 risk-based capital ratio | 17.1477% | 2,119 |
| Total risk-based capital ratio | 18.4006% | 2,071 |
| Memoranda: | ||
| Average total assets | $350,133,750 | 1,925 |
| Average earning assets | $333,760,750 | 1,886 |
| Average equity | $42,162,500 | 1,781 |
| Average total loans | $296,527,750 | 1,592 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 2,881 |
| Cost of funding earning assets | 0.4338% | 2,768 |
| Net interest margin | 3.6500% | 2,837 |
| Noninterest income to average assets | 0.2511% | 4,737 |
| Noninterest expense to average assets | 2.3618% | 4,174 |
| Loan and lease loss provision to assets | 0.0459% | 3,073 |
| Net operating income to assets | 0.7838% | 3,471 |
| Return on assets (ROA) | 0.7838% | 3,529 |
| Pretax return on assets | 1.3223% | 2,302 |
| Return on Equity (ROE) | 6.5015% | 3,821 |
| Retained earnings to average equity (ytd only) | 3.6812% | 3,508 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3205% | 3,786 |
| Assets per employee ($millions) | 7.7794% | 673 |
| Cash dividends to net income (ytd only)* | 43.3797% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 2,968 |
| Loan loss allowance to noncurrent loans | 803.9474% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 4,679 |
| Noncurrent loans to loans | 0.1503% | 4,510 |
| Net loans and leases to total assets | 83.7657% | 473 |
| Net loans and leases to deposits | 99.3326% | 785 |
| Net loans and leases to core deposits | 122.7635% | 474 |
| Total domestic deposits to total assets | 84.3285% | 3,075 |
| Equity capital to assets | 11.6548% | 2,186 |
| Core capital (leverage) ratio | 11.9699% | 1,645 |
| Tier 1 risk-based capital ratio | 16.7573% | 2,215 |
| Total risk-based capital ratio | 18.0100% | 2,178 |
| Memoranda: | ||
| Average total assets | $348,798,670 | 1,930 |
| Average earning assets | $332,437,330 | 1,892 |
| Average equity | $42,051,670 | 1,780 |
| Average total loans | $294,605,330 | 1,605 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 2,732 |
| Cost of funding earning assets | 0.4318% | 2,701 |
| Net interest margin | 3.6469% | 2,706 |
| Noninterest income to average assets | 0.2521% | 4,733 |
| Noninterest expense to average assets | 2.3935% | 4,131 |
| Loan and lease loss provision to assets | 0.0232% | 3,278 |
| Net operating income to assets | 0.7761% | 3,334 |
| Return on assets (ROA) | 0.7761% | 3,392 |
| Pretax return on assets | 1.3094% | 2,203 |
| Return on Equity (ROE) | 6.3282% | 3,752 |
| Retained earnings to average equity (ytd only) | 0.7105% | 4,746 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2345% | 3,792 |
| Assets per employee ($millions) | 7.4930% | 759 |
| Cash dividends to net income (ytd only)* | 88.7725% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 2,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.7207% | 398 |
| Net loans and leases to deposits | 100.6628% | 576 |
| Net loans and leases to core deposits | 124.0765% | 360 |
| Total domestic deposits to total assets | 83.1695% | 3,775 |
| Equity capital to assets | 12.1885% | 1,715 |
| Core capital (leverage) ratio | 12.2627% | 1,464 |
| Tier 1 risk-based capital ratio | 17.5911% | 2,005 |
| Total risk-based capital ratio | 18.8443% | 1,956 |
| Memoranda: | ||
| Average total assets | $344,271,000 | 1,968 |
| Average earning assets | $327,947,500 | 1,922 |
| Average equity | $42,224,000 | 1,770 |
| Average total loans | $290,195,500 | 1,628 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0753% | 2,938 |
| Cost of funding earning assets | 0.3900% | 3,102 |
| Net interest margin | 3.6854% | 2,759 |
| Noninterest income to average assets | 0.2223% | 5,080 |
| Noninterest expense to average assets | 2.3612% | 4,396 |
| Loan and lease loss provision to assets | 0.0589% | 3,210 |
| Net operating income to assets | 0.7823% | 3,392 |
| Return on assets (ROA) | 0.7823% | 3,490 |
| Pretax return on assets | 1.3081% | 2,253 |
| Return on Equity (ROE) | 6.3853% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.9338% | 2,386 |
| Net charge-offs to loans | -0.0014% | 4,677 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3341% | 4,052 |
| Assets per employee ($millions) | 7.3163% | 793 |
| Cash dividends to net income (ytd only)* | 22.7324% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 82.7746% | 510 |
| Net loans and leases to deposits | 98.7925% | 760 |
| Net loans and leases to core deposits | 121.2128% | 452 |
| Total domestic deposits to total assets | 83.7864% | 3,507 |
| Equity capital to assets | 12.3412% | 1,610 |
| Core capital (leverage) ratio | 12.3356% | 1,418 |
| Tier 1 risk-based capital ratio | 17.9388% | 1,868 |
| Total risk-based capital ratio | 19.1922% | 1,824 |
| Memoranda: | ||
| Average total assets | $339,655,600 | 1,950 |
| Average earning assets | $323,115,600 | 1,903 |
| Average equity | $41,611,200 | 1,782 |
| Average total loans | $284,327,600 | 1,597 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0734% | 2,975 |
| Cost of funding earning assets | 0.3749% | 3,283 |
| Net interest margin | 3.6985% | 2,725 |
| Noninterest income to average assets | 0.2260% | 5,115 |
| Noninterest expense to average assets | 2.4118% | 4,253 |
| Loan and lease loss provision to assets | 0.0551% | 3,152 |
| Net operating income to assets | 0.7635% | 3,539 |
| Return on assets (ROA) | 0.7635% | 3,677 |
| Pretax return on assets | 1.2786% | 2,510 |
| Return on Equity (ROE) | 6.2439% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.2989% | 3,262 |
| Net charge-offs to loans | -0.0019% | 4,487 |
| Credit loss provision to net charge-offs | -3,500.0000% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3923% | 3,870 |
| Assets per employee ($millions) | 7.8735% | 617 |
| Cash dividends to net income (ytd only)* | 31.1499% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 3,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 82.8559% | 526 |
| Net loans and leases to deposits | 100.0886% | 701 |
| Net loans and leases to core deposits | 122.8051% | 435 |
| Total domestic deposits to total assets | 82.7826% | 3,674 |
| Equity capital to assets | 12.1648% | 2,000 |
| Core capital (leverage) ratio | 12.3992% | 1,441 |
| Tier 1 risk-based capital ratio | 17.4790% | 2,086 |
| Total risk-based capital ratio | 18.7315% | 2,048 |
| Memoranda: | ||
| Average total assets | $338,603,250 | 1,962 |
| Average earning assets | $322,216,250 | 1,917 |
| Average equity | $41,404,750 | 1,801 |
| Average total loans | $283,354,750 | 1,601 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0667% | 3,002 |
| Cost of funding earning assets | 0.3655% | 3,404 |
| Net interest margin | 3.7012% | 2,695 |
| Noninterest income to average assets | 0.2268% | 5,133 |
| Noninterest expense to average assets | 2.4280% | 4,239 |
| Loan and lease loss provision to assets | 0.0536% | 3,077 |
| Net operating income to assets | 0.7583% | 3,512 |
| Return on assets (ROA) | 0.7583% | 3,653 |
| Pretax return on assets | 1.2655% | 2,537 |
| Return on Equity (ROE) | 6.1907% | 3,966 |
| Retained earnings to average equity (ytd only) | 3.2557% | 3,820 |
| Net charge-offs to loans | -0.0028% | 4,417 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7975% | 3,880 |
| Assets per employee ($millions) | 7.7681% | 625 |
| Cash dividends to net income (ytd only)* | 47.4097% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 3,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 84.4403% | 384 |
| Net loans and leases to deposits | 102.8418% | 517 |
| Net loans and leases to core deposits | 122.9034% | 439 |
| Total domestic deposits to total assets | 82.1070% | 3,973 |
| Equity capital to assets | 12.4174% | 1,829 |
| Core capital (leverage) ratio | 12.2975% | 1,459 |
| Tier 1 risk-based capital ratio | 17.4550% | 2,080 |
| Total risk-based capital ratio | 18.7078% | 2,045 |
| Memoranda: | ||
| Average total assets | $335,993,000 | 1,983 |
| Average earning assets | $319,574,330 | 1,933 |
| Average equity | $41,158,670 | 1,807 |
| Average total loans | $280,950,670 | 1,615 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,104 |
| Cost of funding earning assets | 0.3623% | 3,480 |
| Net interest margin | 3.6683% | 2,812 |
| Noninterest income to average assets | 0.2232% | 5,141 |
| Noninterest expense to average assets | 2.4144% | 4,326 |
| Loan and lease loss provision to assets | 0.0594% | 2,768 |
| Net operating income to assets | 0.7466% | 3,503 |
| Return on assets (ROA) | 0.7466% | 3,607 |
| Pretax return on assets | 1.2345% | 2,562 |
| Return on Equity (ROE) | 6.1367% | 3,914 |
| Retained earnings to average equity (ytd only) | 0.2439% | 5,053 |
| Net charge-offs to loans | -0.0057% | 4,333 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1088% | 3,955 |
| Assets per employee ($millions) | 7.7096% | 635 |
| Cash dividends to net income (ytd only)* | 96.0254% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 3,358 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 81.9523% | 557 |
| Net loans and leases to deposits | 100.2199% | 613 |
| Net loans and leases to core deposits | 122.7826% | 393 |
| Total domestic deposits to total assets | 81.7725% | 4,292 |
| Equity capital to assets | 12.0443% | 2,003 |
| Core capital (leverage) ratio | 12.3913% | 1,381 |
| Tier 1 risk-based capital ratio | 17.7378% | 2,054 |
| Total risk-based capital ratio | 18.9908% | 2,021 |
| Memoranda: | ||
| Average total assets | $336,974,500 | 1,989 |
| Average earning assets | $320,149,500 | 1,935 |
| Average equity | $40,999,000 | 1,806 |
| Average total loans | $278,660,000 | 1,621 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0309% | 3,194 |
| Cost of funding earning assets | 0.3787% | 3,387 |
| Net interest margin | 3.6522% | 2,930 |
| Noninterest income to average assets | 0.2258% | 5,244 |
| Noninterest expense to average assets | 2.4038% | 4,502 |
| Loan and lease loss provision to assets | 0.0134% | 4,139 |
| Net operating income to assets | 0.7656% | 3,489 |
| Return on assets (ROA) | 0.7656% | 3,579 |
| Pretax return on assets | 1.2800% | 2,359 |
| Return on Equity (ROE) | 6.3965% | 3,843 |
| Retained earnings to average equity (ytd only) | 4.8816% | 2,506 |
| Net charge-offs to loans | 0.0047% | 4,282 |
| Credit loss provision to net charge-offs | 346.1538% | 862 |
| Earnings coverage of net charge-offs (x) | 333.0769% | 209 |
| Efficiency ratio | 65.0158% | 4,082 |
| Assets per employee ($millions) | 7.6074% | 658 |
| Cash dividends to net income (ytd only)* | 23.6832% | 3,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 3,315 |
| Loan loss allowance to noncurrent loans | 8,248.7805% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,655 |
| Noncurrent loans to loans | 0.0149% | 5,474 |
| Net loans and leases to total assets | 81.4101% | 652 |
| Net loans and leases to deposits | 99.4685% | 713 |
| Net loans and leases to core deposits | 118.3609% | 528 |
| Total domestic deposits to total assets | 81.8451% | 4,203 |
| Equity capital to assets | 12.2910% | 1,751 |
| Core capital (leverage) ratio | 12.1341% | 1,538 |
| Tier 1 risk-based capital ratio | 18.3151% | 1,879 |
| Total risk-based capital ratio | 19.5683% | 1,834 |
| Memoranda: | ||
| Average total assets | $334,759,400 | 1,965 |
| Average earning assets | $318,189,800 | 1,902 |
| Average equity | $40,068,600 | 1,797 |
| Average total loans | $278,175,000 | 1,576 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 3,196 |
| Cost of funding earning assets | 0.3788% | 3,454 |
| Net interest margin | 3.6539% | 2,942 |
| Noninterest income to average assets | 0.2234% | 5,317 |
| Noninterest expense to average assets | 2.4104% | 4,483 |
| Loan and lease loss provision to assets | 0.0179% | 3,921 |
| Net operating income to assets | 0.7631% | 3,622 |
| Return on assets (ROA) | 0.7631% | 3,717 |
| Pretax return on assets | 1.2681% | 2,521 |
| Return on Equity (ROE) | 6.4185% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.3851% | 3,353 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2085% | 4,030 |
| Assets per employee ($millions) | 7.9932% | 543 |
| Cash dividends to net income (ytd only)* | 31.6805% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2290% | 3,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 79.3858% | 900 |
| Net loans and leases to deposits | 98.1115% | 810 |
| Net loans and leases to core deposits | 116.0517% | 592 |
| Total domestic deposits to total assets | 80.9138% | 4,495 |
| Equity capital to assets | 11.7783% | 2,281 |
| Core capital (leverage) ratio | 12.0775% | 1,636 |
| Tier 1 risk-based capital ratio | 18.0494% | 2,010 |
| Total risk-based capital ratio | 19.3027% | 1,975 |
| Memoranda: | ||
| Average total assets | $334,768,000 | 1,972 |
| Average earning assets | $318,193,500 | 1,912 |
| Average equity | $39,800,500 | 1,825 |
| Average total loans | $278,748,250 | 1,568 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0467% | 3,090 |
| Cost of funding earning assets | 0.3792% | 3,507 |
| Net interest margin | 3.6675% | 2,842 |
| Noninterest income to average assets | 0.2242% | 5,357 |
| Noninterest expense to average assets | 2.4106% | 4,515 |
| Loan and lease loss provision to assets | 0.0271% | 3,592 |
| Net operating income to assets | 0.7662% | 3,552 |
| Return on assets (ROA) | 0.7662% | 3,655 |
| Pretax return on assets | 1.2725% | 2,461 |
| Return on Equity (ROE) | 6.4236% | 3,917 |
| Retained earnings to average equity (ytd only) | 3.3558% | 3,909 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9716% | 4,197 |
| Assets per employee ($millions) | 7.5509% | 659 |
| Cash dividends to net income (ytd only)* | 47.7577% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 3,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.7539% | 391 |
| Net loans and leases to deposits | 104.8782% | 415 |
| Net loans and leases to core deposits | 125.3430% | 348 |
| Total domestic deposits to total assets | 79.8582% | 4,900 |
| Equity capital to assets | 12.0181% | 2,013 |
| Core capital (leverage) ratio | 12.1796% | 1,547 |
| Tier 1 risk-based capital ratio | 17.3357% | 2,272 |
| Total risk-based capital ratio | 18.5883% | 2,234 |
| Memoranda: | ||
| Average total assets | $331,787,670 | 2,002 |
| Average earning assets | $315,365,670 | 1,949 |
| Average equity | $39,573,000 | 1,843 |
| Average total loans | $279,580,670 | 1,563 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0486% | 3,055 |
| Cost of funding earning assets | 0.3815% | 3,510 |
| Net interest margin | 3.6670% | 2,744 |
| Noninterest income to average assets | 0.2087% | 5,459 |
| Noninterest expense to average assets | 2.3935% | 4,616 |
| Loan and lease loss provision to assets | 0.0241% | 3,388 |
| Net operating income to assets | 0.7709% | 3,420 |
| Return on assets (ROA) | 0.7709% | 3,556 |
| Pretax return on assets | 1.2812% | 2,350 |
| Return on Equity (ROE) | 6.4881% | 3,770 |
| Retained earnings to average equity (ytd only) | 0.3249% | 5,267 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7097% | 4,364 |
| Assets per employee ($millions) | 7.4208% | 703 |
| Cash dividends to net income (ytd only)* | 94.9922% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 3,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 82.2057% | 443 |
| Net loans and leases to deposits | 103.4769% | 392 |
| Net loans and leases to core deposits | 123.2262% | 345 |
| Total domestic deposits to total assets | 79.4435% | 5,188 |
| Equity capital to assets | 11.8019% | 2,197 |
| Core capital (leverage) ratio | 11.9494% | 1,673 |
| Tier 1 risk-based capital ratio | 17.3486% | 2,358 |
| Total risk-based capital ratio | 18.6014% | 2,314 |
| Memoranda: | ||
| Average total assets | $331,561,500 | 2,011 |
| Average earning assets | $315,569,000 | 1,956 |
| Average equity | $39,395,000 | 1,860 |
| Average total loans | $278,541,500 | 1,565 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0175% | 3,663 |
| Cost of funding earning assets | 0.3989% | 3,698 |
| Net interest margin | 3.6186% | 3,337 |
| Noninterest income to average assets | 0.2411% | 5,397 |
| Noninterest expense to average assets | 2.3278% | 5,037 |
| Loan and lease loss provision to assets | 0.0488% | 3,596 |
| Net operating income to assets | 0.7752% | 3,496 |
| Return on assets (ROA) | 0.7752% | 3,589 |
| Pretax return on assets | 1.2934% | 2,264 |
| Return on Equity (ROE) | 6.6480% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.0559% | 2,562 |
| Net charge-offs to loans | -0.0007% | 5,329 |
| Credit loss provision to net charge-offs | -8,000.0000% | 6,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4272% | 4,681 |
| Assets per employee ($millions) | 7.3152% | 715 |
| Cash dividends to net income (ytd only)* | 23.9481% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 3,998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 83.7970% | 358 |
| Net loans and leases to deposits | 103.8080% | 443 |
| Net loans and leases to core deposits | 124.6327% | 309 |
| Total domestic deposits to total assets | 80.7230% | 4,815 |
| Equity capital to assets | 11.9626% | 2,042 |
| Core capital (leverage) ratio | 11.9669% | 1,645 |
| Tier 1 risk-based capital ratio | 17.5639% | 2,291 |
| Total risk-based capital ratio | 18.8171% | 2,260 |
| Memoranda: | ||
| Average total assets | $328,037,800 | 1,981 |
| Average earning assets | $310,838,600 | 1,929 |
| Average equity | $38,252,200 | 1,848 |
| Average total loans | $270,500,800 | 1,575 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,842 |
| Cost of funding earning assets | 0.3984% | 3,805 |
| Net interest margin | 3.5801% | 3,504 |
| Noninterest income to average assets | 0.2400% | 5,485 |
| Noninterest expense to average assets | 2.3233% | 5,046 |
| Loan and lease loss provision to assets | 0.0407% | 3,595 |
| Net operating income to assets | 0.7619% | 3,617 |
| Return on assets (ROA) | 0.7619% | 3,711 |
| Pretax return on assets | 1.2652% | 2,518 |
| Return on Equity (ROE) | 6.5769% | 3,916 |
| Retained earnings to average equity (ytd only) | 4.4384% | 3,493 |
| Net charge-offs to loans | -0.0010% | 5,156 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,043 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0175% | 4,538 |
| Assets per employee ($millions) | 7.5294% | 632 |
| Cash dividends to net income (ytd only)* | 32.5147% | 2,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 4,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 82.4457% | 467 |
| Net loans and leases to deposits | 101.9526% | 506 |
| Net loans and leases to core deposits | 121.0800% | 378 |
| Total domestic deposits to total assets | 80.8667% | 4,857 |
| Equity capital to assets | 11.6818% | 2,328 |
| Core capital (leverage) ratio | 11.7249% | 1,895 |
| Tier 1 risk-based capital ratio | 17.3571% | 2,447 |
| Total risk-based capital ratio | 18.6101% | 2,405 |
| Memoranda: | ||
| Average total assets | $327,751,000 | 1,991 |
| Average earning assets | $310,262,500 | 1,947 |
| Average equity | $37,970,500 | 1,865 |
| Average total loans | $268,326,750 | 1,590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9546% | 3,915 |
| Cost of funding earning assets | 0.3936% | 3,937 |
| Net interest margin | 3.5609% | 3,524 |
| Noninterest income to average assets | 0.2493% | 5,418 |
| Noninterest expense to average assets | 2.3193% | 5,105 |
| Loan and lease loss provision to assets | 0.0490% | 3,323 |
| Net operating income to assets | 0.7527% | 3,552 |
| Return on assets (ROA) | 0.7527% | 3,653 |
| Pretax return on assets | 1.2493% | 2,457 |
| Return on Equity (ROE) | 6.5152% | 3,873 |
| Retained earnings to average equity (ytd only) | 3.2868% | 4,111 |
| Net charge-offs to loans | -0.0015% | 5,042 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1104% | 4,670 |
| Assets per employee ($millions) | 7.5878% | 592 |
| Cash dividends to net income (ytd only)* | 49.5525% | 1,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 4,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 80.5809% | 619 |
| Net loans and leases to deposits | 98.4679% | 636 |
| Net loans and leases to core deposits | 117.1505% | 450 |
| Total domestic deposits to total assets | 81.8347% | 4,702 |
| Equity capital to assets | 11.3993% | 2,510 |
| Core capital (leverage) ratio | 11.5833% | 1,939 |
| Tier 1 risk-based capital ratio | 17.4533% | 2,433 |
| Total risk-based capital ratio | 18.7065% | 2,405 |
| Memoranda: | ||
| Average total assets | $326,570,670 | 1,995 |
| Average earning assets | $308,907,670 | 1,951 |
| Average equity | $37,727,000 | 1,866 |
| Average total loans | $265,627,000 | 1,600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,939 |
| Cost of funding earning assets | 0.3899% | 4,091 |
| Net interest margin | 3.5474% | 3,496 |
| Noninterest income to average assets | 0.2502% | 5,364 |
| Noninterest expense to average assets | 2.3522% | 5,061 |
| Loan and lease loss provision to assets | 0.0372% | 3,317 |
| Net operating income to assets | 0.7333% | 3,528 |
| Return on assets (ROA) | 0.7333% | 3,607 |
| Pretax return on assets | 1.2189% | 2,397 |
| Return on Equity (ROE) | 6.3043% | 3,850 |
| Retained earnings to average equity (ytd only) | -0.1810% | 5,588 |
| Net charge-offs to loans | -0.0015% | 4,680 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1905% | 4,659 |
| Assets per employee ($millions) | 7.1484% | 744 |
| Cash dividends to net income (ytd only)* | 102.8716% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2062% | 4,612 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 80.1802% | 531 |
| Net loans and leases to deposits | 95.5809% | 683 |
| Net loans and leases to core deposits | 113.5499% | 476 |
| Total domestic deposits to total assets | 83.8873% | 4,311 |
| Equity capital to assets | 11.4196% | 2,317 |
| Core capital (leverage) ratio | 11.7735% | 1,783 |
| Tier 1 risk-based capital ratio | 17.4101% | 2,513 |
| Total risk-based capital ratio | 18.6632% | 2,479 |
| Memoranda: | ||
| Average total assets | $322,925,000 | 2,023 |
| Average earning assets | $305,691,500 | 1,980 |
| Average equity | $37,561,500 | 1,871 |
| Average total loans | $262,291,000 | 1,623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 4,014 |
| Cost of funding earning assets | 0.4494% | 4,122 |
| Net interest margin | 3.5721% | 3,597 |
| Noninterest income to average assets | 0.3218% | 5,034 |
| Noninterest expense to average assets | 2.2612% | 5,476 |
| Loan and lease loss provision to assets | 0.0505% | 4,128 |
| Net operating income to assets | 0.8336% | 3,114 |
| Return on assets (ROA) | 0.8336% | 3,197 |
| Pretax return on assets | 1.3928% | 1,807 |
| Return on Equity (ROE) | 7.1559% | 3,488 |
| Retained earnings to average equity (ytd only) | 5.4718% | 2,293 |
| Net charge-offs to loans | -0.0012% | 5,829 |
| Credit loss provision to net charge-offs | -5,266.6667% | 6,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0402% | 5,353 |
| Assets per employee ($millions) | 7.3726% | 636 |
| Cash dividends to net income (ytd only)* | 23.5339% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 4,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 80.2846% | 569 |
| Net loans and leases to deposits | 95.1192% | 790 |
| Net loans and leases to core deposits | 113.4498% | 484 |
| Total domestic deposits to total assets | 84.4042% | 4,015 |
| Equity capital to assets | 11.8515% | 1,908 |
| Core capital (leverage) ratio | 11.8449% | 1,722 |
| Tier 1 risk-based capital ratio | 18.2472% | 2,169 |
| Total risk-based capital ratio | 19.5010% | 2,127 |
| Memoranda: | ||
| Average total assets | $312,970,200 | 2,056 |
| Average earning assets | $296,378,000 | 2,000 |
| Average equity | $36,459,600 | 1,897 |
| Average total loans | $255,753,800 | 1,625 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0155% | 4,068 |
| Cost of funding earning assets | 0.4629% | 4,135 |
| Net interest margin | 3.5526% | 3,643 |
| Noninterest income to average assets | 0.3282% | 5,064 |
| Noninterest expense to average assets | 2.2639% | 5,450 |
| Loan and lease loss provision to assets | 0.0598% | 3,852 |
| Net operating income to assets | 0.8249% | 3,227 |
| Return on assets (ROA) | 0.8249% | 3,346 |
| Pretax return on assets | 1.3698% | 2,042 |
| Return on Equity (ROE) | 7.1121% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.8495% | 3,194 |
| Net charge-offs to loans | -0.0010% | 5,657 |
| Credit loss provision to net charge-offs | -7,000.0000% | 6,375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2937% | 5,231 |
| Assets per employee ($millions) | 7.3332% | 631 |
| Cash dividends to net income (ytd only)* | 31.8136% | 2,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 81.3724% | 418 |
| Net loans and leases to deposits | 97.5947% | 592 |
| Net loans and leases to core deposits | 117.0692% | 375 |
| Total domestic deposits to total assets | 83.3779% | 4,429 |
| Equity capital to assets | 11.6992% | 2,129 |
| Core capital (leverage) ratio | 11.5644% | 1,990 |
| Tier 1 risk-based capital ratio | 17.8352% | 2,386 |
| Total risk-based capital ratio | 19.0887% | 2,351 |
| Memoranda: | ||
| Average total assets | $311,957,250 | 2,069 |
| Average earning assets | $295,513,750 | 2,010 |
| Average equity | $36,181,500 | 1,922 |
| Average total loans | $255,265,250 | 1,629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 4,108 |
| Cost of funding earning assets | 0.4790% | 4,110 |
| Net interest margin | 3.5218% | 3,694 |
| Noninterest income to average assets | 0.2870% | 5,399 |
| Noninterest expense to average assets | 2.2739% | 5,438 |
| Loan and lease loss provision to assets | 0.0257% | 4,403 |
| Net operating income to assets | 0.7959% | 3,313 |
| Return on assets (ROA) | 0.7959% | 3,471 |
| Pretax return on assets | 1.3223% | 2,221 |
| Return on Equity (ROE) | 6.8827% | 3,678 |
| Retained earnings to average equity (ytd only) | 3.4664% | 4,110 |
| Net charge-offs to loans | -0.0016% | 5,516 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,139 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7820% | 5,053 |
| Assets per employee ($millions) | 7.2141% | 655 |
| Cash dividends to net income (ytd only)* | 49.6362% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 81.7622% | 371 |
| Net loans and leases to deposits | 97.1409% | 596 |
| Net loans and leases to core deposits | 117.7219% | 356 |
| Total domestic deposits to total assets | 84.1687% | 4,254 |
| Equity capital to assets | 11.6699% | 2,158 |
| Core capital (leverage) ratio | 11.7161% | 1,789 |
| Tier 1 risk-based capital ratio | 17.6645% | 2,453 |
| Total risk-based capital ratio | 18.9174% | 2,416 |
| Memoranda: | ||
| Average total assets | $310,833,670 | 2,086 |
| Average earning assets | $294,335,670 | 2,014 |
| Average equity | $35,945,000 | 1,939 |
| Average total loans | $253,767,330 | 1,636 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 4,081 |
| Cost of funding earning assets | 0.4977% | 4,114 |
| Net interest margin | 3.5112% | 3,651 |
| Noninterest income to average assets | 0.3214% | 5,128 |
| Noninterest expense to average assets | 2.2870% | 5,461 |
| Loan and lease loss provision to assets | 0.0129% | 4,291 |
| Net operating income to assets | 0.8073% | 3,114 |
| Return on assets (ROA) | 0.8073% | 3,250 |
| Pretax return on assets | 1.3408% | 2,071 |
| Return on Equity (ROE) | 7.0134% | 3,479 |
| Retained earnings to average equity (ytd only) | 0.1675% | 5,727 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8178% | 5,176 |
| Assets per employee ($millions) | 7.4530% | 617 |
| Cash dividends to net income (ytd only)* | 97.6115% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 81.4561% | 311 |
| Net loans and leases to deposits | 95.9301% | 550 |
| Net loans and leases to core deposits | 116.7448% | 334 |
| Total domestic deposits to total assets | 84.9120% | 4,085 |
| Equity capital to assets | 11.7183% | 2,241 |
| Core capital (leverage) ratio | 11.5706% | 1,834 |
| Tier 1 risk-based capital ratio | 17.9154% | 2,403 |
| Total risk-based capital ratio | 19.1689% | 2,363 |
| Memoranda: | ||
| Average total assets | $311,146,500 | 2,114 |
| Average earning assets | $294,147,000 | 2,047 |
| Average equity | $35,817,000 | 1,970 |
| Average total loans | $252,300,000 | 1,651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 5,009 |
| Cost of funding earning assets | 0.6433% | 3,976 |
| Net interest margin | 3.4393% | 4,745 |
| Noninterest income to average assets | 0.3001% | 5,315 |
| Noninterest expense to average assets | 2.1447% | 6,037 |
| Loan and lease loss provision to assets | 0.0606% | 5,019 |
| Net operating income to assets | 0.8149% | 3,221 |
| Return on assets (ROA) | 0.8149% | 3,464 |
| Pretax return on assets | 1.3592% | 2,178 |
| Return on Equity (ROE) | 7.2525% | 3,499 |
| Retained earnings to average equity (ytd only) | 5.5991% | 2,317 |
| Net charge-offs to loans | 0.0053% | 5,895 |
| Credit loss provision to net charge-offs | 1,461.5385% | 170 |
| Earnings coverage of net charge-offs (x) | 342.1538% | 117 |
| Efficiency ratio | 60.1684% | 5,512 |
| Assets per employee ($millions) | 7.5410% | 617 |
| Cash dividends to net income (ytd only)* | 22.7967% | 3,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1981% | 5,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 78.8166% | 585 |
| Net loans and leases to deposits | 92.6717% | 854 |
| Net loans and leases to core deposits | 111.9910% | 471 |
| Total domestic deposits to total assets | 85.0493% | 3,843 |
| Equity capital to assets | 11.3116% | 2,620 |
| Core capital (leverage) ratio | 11.2894% | 2,022 |
| Tier 1 risk-based capital ratio | 17.8878% | 2,294 |
| Total risk-based capital ratio | 19.1411% | 2,265 |
| Memoranda: | ||
| Average total assets | $313,279,800 | 2,047 |
| Average earning assets | $297,357,400 | 1,989 |
| Average equity | $35,201,800 | 1,960 |
| Average total loans | $245,584,200 | 1,679 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 5,152 |
| Cost of funding earning assets | 0.6726% | 3,996 |
| Net interest margin | 3.4370% | 4,888 |
| Noninterest income to average assets | 0.2501% | 5,777 |
| Noninterest expense to average assets | 2.1582% | 6,037 |
| Loan and lease loss provision to assets | 0.0512% | 5,115 |
| Net operating income to assets | 0.7891% | 3,505 |
| Return on assets (ROA) | 0.7891% | 3,748 |
| Pretax return on assets | 1.3097% | 2,561 |
| Return on Equity (ROE) | 7.0344% | 3,792 |
| Retained earnings to average equity (ytd only) | 4.8202% | 3,496 |
| Net charge-offs to loans | 0.0077% | 5,619 |
| Credit loss provision to net charge-offs | 857.1429% | 327 |
| Earnings coverage of net charge-offs (x) | 227.7392% | 195 |
| Efficiency ratio | 61.3267% | 5,256 |
| Assets per employee ($millions) | 7.5049% | 594 |
| Cash dividends to net income (ytd only)* | 31.4765% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,282 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 77.2245% | 825 |
| Net loans and leases to deposits | 90.5711% | 1,086 |
| Net loans and leases to core deposits | 111.3191% | 528 |
| Total domestic deposits to total assets | 85.2640% | 3,634 |
| Equity capital to assets | 11.3487% | 2,892 |
| Core capital (leverage) ratio | 11.2684% | 2,162 |
| Tier 1 risk-based capital ratio | 18.2719% | 2,246 |
| Total risk-based capital ratio | 19.5252% | 2,219 |
| Memoranda: | ||
| Average total assets | $312,419,750 | 2,079 |
| Average earning assets | $297,150,750 | 2,010 |
| Average equity | $35,045,750 | 1,993 |
| Average total loans | $243,816,500 | 1,706 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 5,174 |
| Cost of funding earning assets | 0.6980% | 4,025 |
| Net interest margin | 3.4388% | 4,931 |
| Noninterest income to average assets | 0.2427% | 5,838 |
| Noninterest expense to average assets | 2.1664% | 6,092 |
| Loan and lease loss provision to assets | 0.0514% | 5,026 |
| Net operating income to assets | 0.7808% | 3,463 |
| Return on assets (ROA) | 0.7808% | 3,731 |
| Pretax return on assets | 1.2957% | 2,568 |
| Return on Equity (ROE) | 6.9878% | 3,790 |
| Retained earnings to average equity (ytd only) | 3.6433% | 4,174 |
| Net charge-offs to loans | 0.0132% | 5,263 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 131.1250% | 341 |
| Efficiency ratio | 61.6594% | 5,301 |
| Assets per employee ($millions) | 7.5734% | 569 |
| Cash dividends to net income (ytd only)* | 47.8618% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 5,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 76.0872% | 959 |
| Net loans and leases to deposits | 89.9047% | 1,157 |
| Net loans and leases to core deposits | 110.3960% | 561 |
| Total domestic deposits to total assets | 84.6310% | 4,040 |
| Equity capital to assets | 11.0538% | 3,057 |
| Core capital (leverage) ratio | 11.0813% | 2,227 |
| Tier 1 risk-based capital ratio | 18.1423% | 2,248 |
| Total risk-based capital ratio | 19.3954% | 2,217 |
| Memoranda: | ||
| Average total assets | $311,490,670 | 2,082 |
| Average earning assets | $296,263,000 | 2,007 |
| Average equity | $34,803,670 | 1,982 |
| Average total loans | $242,964,330 | 1,701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2230% | 5,024 |
| Cost of funding earning assets | 0.7266% | 4,057 |
| Net interest margin | 3.4964% | 4,721 |
| Noninterest income to average assets | 0.2726% | 5,690 |
| Noninterest expense to average assets | 2.2233% | 5,983 |
| Loan and lease loss provision to assets | 0.0649% | 4,612 |
| Net operating income to assets | 0.7865% | 3,441 |
| Return on assets (ROA) | 0.7865% | 3,680 |
| Pretax return on assets | 1.3070% | 2,512 |
| Return on Equity (ROE) | 7.0006% | 3,784 |
| Retained earnings to average equity (ytd only) | 0.2773% | 5,896 |
| Net charge-offs to loans | 0.0264% | 4,312 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 66.0625% | 508 |
| Efficiency ratio | 61.8412% | 5,299 |
| Assets per employee ($millions) | 7.3990% | 623 |
| Cash dividends to net income (ytd only)* | 96.0396% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 5,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 76.8848% | 708 |
| Net loans and leases to deposits | 89.8184% | 982 |
| Net loans and leases to core deposits | 111.7428% | 478 |
| Total domestic deposits to total assets | 85.6003% | 3,738 |
| Equity capital to assets | 11.1244% | 2,779 |
| Core capital (leverage) ratio | 11.2268% | 2,090 |
| Tier 1 risk-based capital ratio | 17.9671% | 2,305 |
| Total risk-based capital ratio | 19.2200% | 2,280 |
| Memoranda: | ||
| Average total assets | $308,195,500 | 2,112 |
| Average earning assets | $292,875,000 | 2,038 |
| Average equity | $34,625,500 | 1,996 |
| Average total loans | $241,980,000 | 1,710 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3136% | 5,723 |
| Cost of funding earning assets | 0.8678% | 4,337 |
| Net interest margin | 3.4459% | 5,349 |
| Noninterest income to average assets | 0.3137% | 5,298 |
| Noninterest expense to average assets | 2.1567% | 6,369 |
| Loan and lease loss provision to assets | 0.0865% | 5,519 |
| Net operating income to assets | 0.8012% | 3,033 |
| Return on assets (ROA) | 0.8012% | 3,198 |
| Pretax return on assets | 1.3389% | 1,988 |
| Return on Equity (ROE) | 7.2728% | 3,265 |
| Retained earnings to average equity (ytd only) | 5.6636% | 2,199 |
| Net charge-offs to loans | 0.0332% | 5,982 |
| Credit loss provision to net charge-offs | 331.2500% | 705 |
| Earnings coverage of net charge-offs (x) | 54.5750% | 519 |
| Efficiency ratio | 60.2078% | 5,721 |
| Assets per employee ($millions) | 7.2770% | 635 |
| Cash dividends to net income (ytd only)* | 22.1271% | 3,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1769% | 5,503 |
| Loan loss allowance to noncurrent loans | 1,130.9524% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 6,747 |
| Noncurrent loans to loans | 0.1041% | 6,552 |
| Net loans and leases to total assets | 78.2969% | 678 |
| Net loans and leases to deposits | 91.5932% | 1,004 |
| Net loans and leases to core deposits | 111.0440% | 585 |
| Total domestic deposits to total assets | 85.4833% | 3,606 |
| Equity capital to assets | 11.3472% | 2,640 |
| Core capital (leverage) ratio | 11.2477% | 2,085 |
| Tier 1 risk-based capital ratio | 18.0170% | 2,182 |
| Total risk-based capital ratio | 19.2700% | 2,160 |
| Memoranda: | ||
| Average total assets | $306,303,200 | 2,087 |
| Average earning assets | $290,521,000 | 2,018 |
| Average equity | $33,742,000 | 1,977 |
| Average total loans | $241,169,400 | 1,734 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 5,930 |
| Cost of funding earning assets | 0.8913% | 4,461 |
| Net interest margin | 3.4159% | 5,521 |
| Noninterest income to average assets | 0.3024% | 5,445 |
| Noninterest expense to average assets | 2.1535% | 6,389 |
| Loan and lease loss provision to assets | 0.0696% | 5,588 |
| Net operating income to assets | 0.7944% | 3,190 |
| Return on assets (ROA) | 0.7944% | 3,354 |
| Pretax return on assets | 1.3204% | 2,215 |
| Return on Equity (ROE) | 7.2659% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.1052% | 3,104 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7735% | 5,597 |
| Assets per employee ($millions) | 7.4061% | 599 |
| Cash dividends to net income (ytd only)* | 29.7370% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 5,640 |
| Loan loss allowance to noncurrent loans | 1,326.2911% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,878 |
| Noncurrent loans to loans | 0.0874% | 6,715 |
| Net loans and leases to total assets | 79.3004% | 583 |
| Net loans and leases to deposits | 93.0389% | 916 |
| Net loans and leases to core deposits | 117.0857% | 466 |
| Total domestic deposits to total assets | 85.2336% | 3,657 |
| Equity capital to assets | 11.1451% | 3,007 |
| Core capital (leverage) ratio | 10.9797% | 2,401 |
| Tier 1 risk-based capital ratio | 17.4472% | 2,468 |
| Total risk-based capital ratio | 18.6999% | 2,438 |
| Memoranda: | ||
| Average total assets | $306,470,500 | 2,094 |
| Average earning assets | $290,793,750 | 2,024 |
| Average equity | $33,507,250 | 1,995 |
| Average total loans | $240,923,750 | 1,751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 6,124 |
| Cost of funding earning assets | 0.9140% | 4,555 |
| Net interest margin | 3.3499% | 5,710 |
| Noninterest income to average assets | 0.3396% | 5,166 |
| Noninterest expense to average assets | 2.1671% | 6,464 |
| Loan and lease loss provision to assets | 0.0651% | 5,492 |
| Net operating income to assets | 0.7736% | 3,183 |
| Return on assets (ROA) | 0.7736% | 3,317 |
| Pretax return on assets | 1.2836% | 2,190 |
| Return on Equity (ROE) | 7.1207% | 3,393 |
| Retained earnings to average equity (ytd only) | 3.8688% | 3,739 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6395% | 5,638 |
| Assets per employee ($millions) | 7.5063% | 565 |
| Cash dividends to net income (ytd only)* | 45.6686% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 78.3537% | 727 |
| Net loans and leases to deposits | 91.5708% | 1,104 |
| Net loans and leases to core deposits | 115.9512% | 519 |
| Total domestic deposits to total assets | 85.5662% | 3,587 |
| Equity capital to assets | 10.9645% | 2,998 |
| Core capital (leverage) ratio | 11.0467% | 2,204 |
| Tier 1 risk-based capital ratio | 17.2696% | 2,420 |
| Total risk-based capital ratio | 18.5214% | 2,393 |
| Memoranda: | ||
| Average total assets | $307,411,000 | 2,099 |
| Average earning assets | $291,469,000 | 2,030 |
| Average equity | $33,395,670 | 1,985 |
| Average total loans | $240,025,000 | 1,775 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2379% | 6,181 |
| Cost of funding earning assets | 0.9338% | 4,697 |
| Net interest margin | 3.3040% | 5,761 |
| Noninterest income to average assets | 0.4062% | 4,663 |
| Noninterest expense to average assets | 2.2250% | 6,367 |
| Loan and lease loss provision to assets | 0.0521% | 5,349 |
| Net operating income to assets | 0.7590% | 3,227 |
| Return on assets (ROA) | 0.7590% | 3,288 |
| Pretax return on assets | 1.2616% | 2,159 |
| Return on Equity (ROE) | 7.0196% | 3,371 |
| Retained earnings to average equity (ytd only) | 0.4816% | 5,630 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8771% | 5,542 |
| Assets per employee ($millions) | 7.5628% | 569 |
| Cash dividends to net income (ytd only)* | 93.1389% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 76.0829% | 1,024 |
| Net loans and leases to deposits | 89.8713% | 1,245 |
| Net loans and leases to core deposits | 114.6377% | 579 |
| Total domestic deposits to total assets | 84.6576% | 4,203 |
| Equity capital to assets | 10.7177% | 2,968 |
| Core capital (leverage) ratio | 10.9804% | 2,209 |
| Tier 1 risk-based capital ratio | 17.4172% | 2,336 |
| Total risk-based capital ratio | 18.6693% | 2,304 |
| Memoranda: | ||
| Average total assets | $307,238,000 | 2,114 |
| Average earning assets | $291,279,500 | 2,047 |
| Average equity | $33,221,500 | 1,982 |
| Average total loans | $238,085,500 | 1,805 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 6,554 |
| Cost of funding earning assets | 1.1083% | 5,094 |
| Net interest margin | 3.3243% | 5,895 |
| Noninterest income to average assets | 0.2876% | 5,728 |
| Noninterest expense to average assets | 2.1908% | 6,642 |
| Loan and lease loss provision to assets | 0.0675% | 6,470 |
| Net operating income to assets | 0.6990% | 3,232 |
| Return on assets (ROA) | 0.6990% | 3,360 |
| Pretax return on assets | 1.1756% | 2,309 |
| Return on Equity (ROE) | 6.3992% | 3,396 |
| Retained earnings to average equity (ytd only) | 4.7368% | 2,585 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7999% | 5,386 |
| Assets per employee ($millions) | 7.4244% | 613 |
| Cash dividends to net income (ytd only)* | 25.9778% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1219% | 5,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 77.1637% | 1,064 |
| Net loans and leases to deposits | 90.1650% | 1,502 |
| Net loans and leases to core deposits | 114.3420% | 707 |
| Total domestic deposits to total assets | 85.5805% | 3,563 |
| Equity capital to assets | 10.9100% | 2,765 |
| Core capital (leverage) ratio | 10.9161% | 2,218 |
| Tier 1 risk-based capital ratio | 17.5922% | 2,136 |
| Total risk-based capital ratio | 18.8442% | 2,103 |
| Memoranda: | ||
| Average total assets | $296,282,200 | 2,173 |
| Average earning assets | $280,421,000 | 2,101 |
| Average equity | $32,363,400 | 2,029 |
| Average total loans | $229,826,400 | 1,899 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 6,703 |
| Cost of funding earning assets | 1.1356% | 5,220 |
| Net interest margin | 3.3221% | 5,948 |
| Noninterest income to average assets | 0.2882% | 5,813 |
| Noninterest expense to average assets | 2.1899% | 6,632 |
| Loan and lease loss provision to assets | 0.0634% | 6,427 |
| Net operating income to assets | 0.7069% | 3,378 |
| Return on assets (ROA) | 0.7069% | 3,530 |
| Pretax return on assets | 1.1790% | 2,567 |
| Return on Equity (ROE) | 6.4692% | 3,592 |
| Retained earnings to average equity (ytd only) | 4.2381% | 3,507 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8020% | 5,281 |
| Assets per employee ($millions) | 7.5915% | 601 |
| Cash dividends to net income (ytd only)* | 34.4874% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 77.3085% | 1,160 |
| Net loans and leases to deposits | 91.5788% | 1,506 |
| Net loans and leases to core deposits | 115.2398% | 781 |
| Total domestic deposits to total assets | 84.4174% | 3,914 |
| Equity capital to assets | 10.7657% | 3,207 |
| Core capital (leverage) ratio | 10.8940% | 2,340 |
| Tier 1 risk-based capital ratio | 17.2263% | 2,269 |
| Total risk-based capital ratio | 18.4780% | 2,228 |
| Memoranda: | ||
| Average total assets | $294,252,500 | 2,222 |
| Average earning assets | $278,494,750 | 2,158 |
| Average equity | $32,151,750 | 2,062 |
| Average total loans | $227,895,000 | 1,936 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 6,760 |
| Cost of funding earning assets | 1.1667% | 5,308 |
| Net interest margin | 3.3090% | 5,987 |
| Noninterest income to average assets | 0.2947% | 5,787 |
| Noninterest expense to average assets | 2.2218% | 6,597 |
| Loan and lease loss provision to assets | 0.0550% | 6,409 |
| Net operating income to assets | 0.6884% | 3,456 |
| Return on assets (ROA) | 0.6884% | 3,604 |
| Pretax return on assets | 1.1473% | 2,595 |
| Return on Equity (ROE) | 6.2680% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.9025% | 4,293 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8876% | 5,171 |
| Assets per employee ($millions) | 7.2357% | 688 |
| Cash dividends to net income (ytd only)* | 53.6926% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,911 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 76.7000% | 1,346 |
| Net loans and leases to deposits | 89.5042% | 1,935 |
| Net loans and leases to core deposits | 112.8552% | 984 |
| Total domestic deposits to total assets | 85.6943% | 3,266 |
| Equity capital to assets | 10.8348% | 3,045 |
| Core capital (leverage) ratio | 10.8979% | 2,328 |
| Tier 1 risk-based capital ratio | 17.3997% | 2,133 |
| Total risk-based capital ratio | 18.6514% | 2,095 |
| Memoranda: | ||
| Average total assets | $291,116,670 | 2,260 |
| Average earning assets | $275,308,670 | 2,197 |
| Average equity | $31,972,000 | 2,061 |
| Average total loans | $224,740,000 | 1,985 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 6,826 |
| Cost of funding earning assets | 1.1885% | 5,462 |
| Net interest margin | 3.2912% | 6,005 |
| Noninterest income to average assets | 0.2691% | 6,004 |
| Noninterest expense to average assets | 2.2570% | 6,520 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6714% | 3,566 |
| Return on assets (ROA) | 0.6714% | 3,682 |
| Pretax return on assets | 1.1237% | 2,659 |
| Return on Equity (ROE) | 6.0715% | 3,845 |
| Retained earnings to average equity (ytd only) | -0.6774% | 5,985 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7624% | 4,961 |
| Assets per employee ($millions) | 7.0694% | 787 |
| Cash dividends to net income (ytd only)* | 111.1570% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0974% | 6,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 76.6486% | 1,405 |
| Net loans and leases to deposits | 89.5663% | 1,975 |
| Net loans and leases to core deposits | 113.2514% | 1,078 |
| Total domestic deposits to total assets | 85.5775% | 3,373 |
| Equity capital to assets | 10.9589% | 2,801 |
| Core capital (leverage) ratio | 11.0791% | 2,181 |
| Tier 1 risk-based capital ratio | 17.6464% | 2,039 |
| Total risk-based capital ratio | 18.8977% | 2,011 |
| Memoranda: | ||
| Average total assets | $288,342,500 | 2,324 |
| Average earning assets | $272,607,500 | 2,267 |
| Average equity | $31,886,500 | 2,095 |
| Average total loans | $222,066,500 | 2,060 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8126% | 6,924 |
| Cost of funding earning assets | 1.5625% | 5,216 |
| Net interest margin | 3.2501% | 5,933 |
| Noninterest income to average assets | 0.3810% | 5,367 |
| Noninterest expense to average assets | 2.2886% | 6,781 |
| Loan and lease loss provision to assets | 0.0658% | 6,917 |
| Net operating income to assets | 0.6494% | 3,138 |
| Return on assets (ROA) | 0.6494% | 3,195 |
| Pretax return on assets | 1.0969% | 2,263 |
| Return on Equity (ROE) | 5.9240% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.2107% | 2,270 |
| Net charge-offs to loans | -0.0018% | 7,692 |
| Credit loss provision to net charge-offs | -4,650.0000% | 7,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3114% | 5,333 |
| Assets per employee ($millions) | 6.9961% | 794 |
| Cash dividends to net income (ytd only)* | 28.9216% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 5,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.6661% | 1,886 |
| Net loans and leases to deposits | 89.2034% | 2,358 |
| Net loans and leases to core deposits | 140.1614% | 810 |
| Total domestic deposits to total assets | 84.8242% | 3,634 |
| Equity capital to assets | 11.1592% | 2,569 |
| Core capital (leverage) ratio | 10.9823% | 2,235 |
| Tier 1 risk-based capital ratio | 18.1764% | 1,846 |
| Total risk-based capital ratio | 19.4281% | 1,799 |
| Memoranda: | ||
| Average total assets | $282,710,800 | 2,329 |
| Average earning assets | $267,067,600 | 2,267 |
| Average equity | $30,992,600 | 2,167 |
| Average total loans | $220,361,400 | 2,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 6,907 |
| Cost of funding earning assets | 1.6170% | 5,322 |
| Net interest margin | 3.2725% | 5,740 |
| Noninterest income to average assets | 0.3929% | 5,355 |
| Noninterest expense to average assets | 2.3336% | 6,616 |
| Loan and lease loss provision to assets | 0.0786% | 6,581 |
| Net operating income to assets | 0.6371% | 3,464 |
| Return on assets (ROA) | 0.6371% | 3,532 |
| Pretax return on assets | 1.0721% | 2,665 |
| Return on Equity (ROE) | 5.8383% | 3,588 |
| Retained earnings to average equity (ytd only) | 3.5351% | 3,316 |
| Net charge-offs to loans | -0.0018% | 7,590 |
| Credit loss provision to net charge-offs | -5,533.3333% | 7,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9746% | 5,191 |
| Assets per employee ($millions) | 7.4345% | 654 |
| Cash dividends to net income (ytd only)* | 39.4501% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1385% | 5,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 73.1965% | 2,740 |
| Net loans and leases to deposits | 86.4677% | 3,235 |
| Net loans and leases to core deposits | 143.8714% | 768 |
| Total domestic deposits to total assets | 84.6519% | 3,404 |
| Equity capital to assets | 10.7621% | 3,233 |
| Core capital (leverage) ratio | 10.7585% | 2,598 |
| Tier 1 risk-based capital ratio | 18.0884% | 1,959 |
| Total risk-based capital ratio | 19.3392% | 1,914 |
| Memoranda: | ||
| Average total assets | $281,678,750 | 2,348 |
| Average earning assets | $266,085,750 | 2,286 |
| Average equity | $30,738,500 | 2,206 |
| Average total loans | $220,575,500 | 2,121 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 6,657 |
| Cost of funding earning assets | 1.6685% | 5,429 |
| Net interest margin | 3.3689% | 5,289 |
| Noninterest income to average assets | 0.3894% | 5,383 |
| Noninterest expense to average assets | 2.3999% | 6,457 |
| Loan and lease loss provision to assets | 0.1190% | 5,939 |
| Net operating income to assets | 0.6224% | 3,574 |
| Return on assets (ROA) | 0.6224% | 3,688 |
| Pretax return on assets | 1.0483% | 2,813 |
| Return on Equity (ROE) | 5.6763% | 3,794 |
| Retained earnings to average equity (ytd only) | 2.2038% | 4,115 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2764% | 5,297 |
| Assets per employee ($millions) | 7.1166% | 739 |
| Cash dividends to net income (ytd only)* | 61.1751% | 1,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,499 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.1051% | 2,160 |
| Net loans and leases to deposits | 89.6286% | 2,882 |
| Net loans and leases to core deposits | 151.6948% | 609 |
| Total domestic deposits to total assets | 84.9116% | 3,308 |
| Equity capital to assets | 10.8121% | 3,105 |
| Core capital (leverage) ratio | 10.8920% | 2,487 |
| Tier 1 risk-based capital ratio | 17.4932% | 2,154 |
| Total risk-based capital ratio | 18.7450% | 2,105 |
| Memoranda: | ||
| Average total assets | $278,923,670 | 2,384 |
| Average earning assets | $263,111,000 | 2,321 |
| Average equity | $30,583,330 | 2,224 |
| Average total loans | $222,543,000 | 2,139 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2046% | 6,280 |
| Cost of funding earning assets | 1.7210% | 5,514 |
| Net interest margin | 3.4835% | 4,792 |
| Noninterest income to average assets | 0.3521% | 5,629 |
| Noninterest expense to average assets | 2.2285% | 6,770 |
| Loan and lease loss provision to assets | 0.1811% | 4,632 |
| Net operating income to assets | 0.7303% | 3,423 |
| Return on assets (ROA) | 0.7303% | 3,620 |
| Pretax return on assets | 1.2244% | 2,534 |
| Return on Equity (ROE) | 6.6129% | 3,773 |
| Retained earnings to average equity (ytd only) | -0.3543% | 5,730 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3238% | 6,192 |
| Assets per employee ($millions) | 6.9581% | 795 |
| Cash dividends to net income (ytd only)* | 105.3571% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,593 |
| Loan loss allowance to noncurrent loans | 693.6416% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 7,213 |
| Noncurrent loans to loans | 0.1561% | 7,078 |
| Net loans and leases to total assets | 78.7606% | 1,635 |
| Net loans and leases to deposits | 95.6084% | 2,008 |
| Net loans and leases to core deposits | 157.0978% | 543 |
| Total domestic deposits to total assets | 82.3783% | 4,413 |
| Equity capital to assets | 10.9395% | 3,021 |
| Core capital (leverage) ratio | 11.0106% | 2,490 |
| Tier 1 risk-based capital ratio | 17.0560% | 2,321 |
| Total risk-based capital ratio | 18.3070% | 2,258 |
| Memoranda: | ||
| Average total assets | $276,054,000 | 2,414 |
| Average earning assets | $260,080,000 | 2,364 |
| Average equity | $30,486,000 | 2,232 |
| Average total loans | $224,272,500 | 2,146 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5876% | 7,112 |
| Cost of funding earning assets | 2.2478% | 5,381 |
| Net interest margin | 3.3398% | 5,903 |
| Noninterest income to average assets | 0.2678% | 6,546 |
| Noninterest expense to average assets | 2.1743% | 7,038 |
| Loan and lease loss provision to assets | 0.1363% | 5,620 |
| Net operating income to assets | 0.6374% | 4,159 |
| Return on assets (ROA) | 0.6322% | 4,025 |
| Pretax return on assets | 1.0826% | 3,084 |
| Return on Equity (ROE) | 5.6979% | 4,069 |
| Retained earnings to average equity (ytd only) | 3.5889% | 2,910 |
| Net charge-offs to loans | 0.1051% | 5,249 |
| Credit loss provision to net charge-offs | 163.4361% | 3,155 |
| Earnings coverage of net charge-offs (x) | 14.7137% | 2,014 |
| Efficiency ratio | 63.9270% | 5,580 |
| Assets per employee ($millions) | 7.0202% | 705 |
| Cash dividends to net income (ytd only)* | 37.0134% | 3,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 6,029 |
| Loan loss allowance to noncurrent loans | 657.5145% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 6,178 |
| Noncurrent loans to loans | 0.1525% | 6,953 |
| Net loans and leases to total assets | 82.0575% | 1,219 |
| Net loans and leases to deposits | 98.4608% | 2,058 |
| Net loans and leases to core deposits | 154.1431% | 712 |
| Total domestic deposits to total assets | 83.3403% | 3,638 |
| Equity capital to assets | 11.1492% | 2,922 |
| Core capital (leverage) ratio | 11.2942% | 2,373 |
| Tier 1 risk-based capital ratio | 16.5871% | 2,454 |
| Total risk-based capital ratio | 17.8245% | 2,392 |
| Memoranda: | ||
| Average total assets | $272,223,400 | 2,367 |
| Average earning assets | $255,403,800 | 2,321 |
| Average equity | $30,204,000 | 2,248 |
| Average total loans | $216,001,400 | 2,165 |