Home > Patrons Bank > Performance and Condition Ratios
Patrons Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7168% | 1,720 |
| Cost of funding earning assets | 1.7938% | 2,741 |
| Net interest margin | 3.9230% | 1,316 |
| Noninterest income to average assets | 0.9800% | 639 |
| Noninterest expense to average assets | 3.5101% | 585 |
| Loan and lease loss provision to assets | -0.1300% | 4,389 |
| Net operating income to assets | 1.2262% | 1,440 |
| Return on assets (ROA) | 1.2262% | 1,453 |
| Pretax return on assets | 1.2262% | 1,931 |
| Return on Equity (ROE) | 13.2600% | 1,305 |
| Retained earnings to average equity (ytd only) | 1.3227% | 3,591 |
| Net charge-offs to loans | 0.0972% | 1,196 |
| Credit loss provision to net charge-offs | -242.1384% | 4,402 |
| Earnings coverage of net charge-offs (x) | 19.5912% | 1,844 |
| Efficiency ratio | 76.2829% | 1,337 |
| Assets per employee ($millions) | 3.9673% | 4,098 |
| Cash dividends to net income (ytd only)* | 90.0286% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 655 |
| Loan loss allowance to noncurrent loans | 129.1302% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7750% | 945 |
| Noncurrent loans to loans | 1.3133% | 759 |
| Net loans and leases to total assets | 57.7500% | 3,125 |
| Net loans and leases to deposits | 64.9881% | 3,287 |
| Net loans and leases to core deposits | 70.4458% | 3,334 |
| Total domestic deposits to total assets | 88.8600% | 1,208 |
| Equity capital to assets | 9.3195% | 2,582 |
| Core capital (leverage) ratio | 11.6530% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8624% | 1,296 |
| Memoranda: | ||
| Average total assets | $285,433,800 | 2,526 |
| Average earning assets | $263,521,800 | 2,529 |
| Average equity | $26,385,800 | 2,556 |
| Average total loans | $163,639,800 | 2,627 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6349% | 1,832 |
| Cost of funding earning assets | 1.8390% | 2,614 |
| Net interest margin | 3.7959% | 1,460 |
| Noninterest income to average assets | 0.9800% | 619 |
| Noninterest expense to average assets | 3.4802% | 591 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 0.9782% | 2,114 |
| Return on assets (ROA) | 0.9782% | 2,124 |
| Pretax return on assets | 0.9782% | 2,606 |
| Return on Equity (ROE) | 10.6000% | 2,023 |
| Retained earnings to average equity (ytd only) | 3.7900% | 2,921 |
| Net charge-offs to loans | 0.3415% | 381 |
| Credit loss provision to net charge-offs | 15.5502% | 2,203 |
| Earnings coverage of net charge-offs (x) | 5.1818% | 2,385 |
| Efficiency ratio | 77.5335% | 1,259 |
| Assets per employee ($millions) | 3.9755% | 4,128 |
| Cash dividends to net income (ytd only)* | 64.2551% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8089% | 540 |
| Loan loss allowance to noncurrent loans | 132.7281% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 883 |
| Noncurrent loans to loans | 1.3628% | 726 |
| Net loans and leases to total assets | 56.8400% | 3,187 |
| Net loans and leases to deposits | 64.2218% | 3,353 |
| Net loans and leases to core deposits | 69.5682% | 3,413 |
| Total domestic deposits to total assets | 88.5000% | 1,084 |
| Equity capital to assets | 9.9767% | 2,314 |
| Core capital (leverage) ratio | 11.5778% | 1,686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2872% | 1,235 |
| Memoranda: | ||
| Average total assets | $286,372,750 | 2,515 |
| Average earning assets | $264,841,000 | 2,519 |
| Average equity | $26,419,500 | 2,547 |
| Average total loans | $163,183,750 | 2,624 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5828% | 1,809 |
| Cost of funding earning assets | 1.8204% | 2,576 |
| Net interest margin | 3.7624% | 1,494 |
| Noninterest income to average assets | 1.0000% | 590 |
| Noninterest expense to average assets | 3.4530% | 607 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.9923% | 2,020 |
| Return on assets (ROA) | 0.9923% | 2,024 |
| Pretax return on assets | 0.9923% | 2,513 |
| Return on Equity (ROE) | 11.0600% | 1,860 |
| Retained earnings to average equity (ytd only) | 4.0534% | 2,693 |
| Net charge-offs to loans | 0.4755% | 262 |
| Credit loss provision to net charge-offs | 11.6580% | 1,966 |
| Earnings coverage of net charge-offs (x) | 3.7979% | 2,301 |
| Efficiency ratio | 77.1331% | 1,365 |
| Assets per employee ($millions) | 4.0642% | 4,111 |
| Cash dividends to net income (ytd only)* | 63.3357% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8724% | 499 |
| Loan loss allowance to noncurrent loans | 131.5122% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 801 |
| Noncurrent loans to loans | 1.4237% | 612 |
| Net loans and leases to total assets | 55.4300% | 3,314 |
| Net loans and leases to deposits | 61.9383% | 3,477 |
| Net loans and leases to core deposits | 67.6048% | 3,480 |
| Total domestic deposits to total assets | 89.4900% | 846 |
| Equity capital to assets | 9.0708% | 2,687 |
| Core capital (leverage) ratio | 11.5041% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3543% | 1,198 |
| Memoranda: | ||
| Average total assets | $286,418,000 | 2,514 |
| Average earning assets | $264,885,667 | 2,518 |
| Average equity | $25,707,000 | 2,555 |
| Average total loans | $162,350,000 | 2,628 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5446% | 1,731 |
| Cost of funding earning assets | 1.8267% | 2,428 |
| Net interest margin | 3.7179% | 1,496 |
| Noninterest income to average assets | 0.9700% | 584 |
| Noninterest expense to average assets | 3.3948% | 644 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.9938% | 1,945 |
| Return on assets (ROA) | 0.9938% | 1,955 |
| Pretax return on assets | 0.9938% | 2,392 |
| Return on Equity (ROE) | 11.1300% | 1,813 |
| Retained earnings to average equity (ytd only) | 4.1158% | 2,676 |
| Net charge-offs to loans | -0.0343% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.8189% | 1,469 |
| Assets per employee ($millions) | 4.1485% | 4,103 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0665% | 346 |
| Loan loss allowance to noncurrent loans | 129.1381% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 656 |
| Noncurrent loans to loans | 1.6002% | 482 |
| Net loans and leases to total assets | 55.2600% | 3,251 |
| Net loans and leases to deposits | 61.5043% | 3,424 |
| Net loans and leases to core deposits | 66.8291% | 3,489 |
| Total domestic deposits to total assets | 89.8400% | 846 |
| Equity capital to assets | 8.7994% | 2,812 |
| Core capital (leverage) ratio | 11.2375% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4818% | 1,709 |
| Memoranda: | ||
| Average total assets | $287,379,500 | 2,521 |
| Average earning assets | $266,495,500 | 2,517 |
| Average equity | $25,657,500 | 2,571 |
| Average total loans | $163,173,000 | 2,614 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 1,589 |
| Cost of funding earning assets | 1.1863% | 2,835 |
| Net interest margin | 4.0563% | 1,121 |
| Noninterest income to average assets | 1.0100% | 626 |
| Noninterest expense to average assets | 3.1984% | 832 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.4663% | 1,085 |
| Return on assets (ROA) | 1.4663% | 1,056 |
| Pretax return on assets | 1.4663% | 1,495 |
| Return on Equity (ROE) | 17.0200% | 946 |
| Retained earnings to average equity (ytd only) | 1.5960% | 3,676 |
| Net charge-offs to loans | 0.0788% | 1,077 |
| Credit loss provision to net charge-offs | 199.2126% | 1,228 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 1,527 |
| Efficiency ratio | 67.2897% | 2,196 |
| Assets per employee ($millions) | 3.8954% | 4,193 |
| Cash dividends to net income (ytd only)* | 90.6250% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 340 |
| Loan loss allowance to noncurrent loans | 288.2960% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 1,335 |
| Noncurrent loans to loans | 0.7151% | 1,091 |
| Net loans and leases to total assets | 55.9700% | 3,197 |
| Net loans and leases to deposits | 62.8461% | 3,355 |
| Net loans and leases to core deposits | 68.3315% | 3,389 |
| Total domestic deposits to total assets | 89.0500% | 1,053 |
| Equity capital to assets | 9.0595% | 2,633 |
| Core capital (leverage) ratio | 11.3982% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0912% | 1,250 |
| Memoranda: | ||
| Average total assets | $285,894,000 | 2,491 |
| Average earning assets | $263,518,800 | 2,501 |
| Average equity | $24,623,400 | 2,542 |
| Average total loans | $161,252,200 | 2,593 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1180% | 1,598 |
| Cost of funding earning assets | 0.9795% | 3,090 |
| Net interest margin | 4.1384% | 1,004 |
| Noninterest income to average assets | 1.0300% | 613 |
| Noninterest expense to average assets | 3.1987% | 819 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.5425% | 1,040 |
| Return on assets (ROA) | 1.5425% | 1,027 |
| Pretax return on assets | 1.5425% | 1,479 |
| Return on Equity (ROE) | 18.1400% | 932 |
| Retained earnings to average equity (ytd only) | 10.7480% | 1,201 |
| Net charge-offs to loans | -0.0141% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.9687% | 2,280 |
| Assets per employee ($millions) | 4.2629% | 4,063 |
| Cash dividends to net income (ytd only)* | 40.7609% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0843% | 345 |
| Loan loss allowance to noncurrent loans | 111.3534% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0917% | 448 |
| Noncurrent loans to loans | 1.8718% | 341 |
| Net loans and leases to total assets | 57.1100% | 3,106 |
| Net loans and leases to deposits | 65.4763% | 3,176 |
| Net loans and leases to core deposits | 71.1786% | 3,156 |
| Total domestic deposits to total assets | 87.2200% | 1,822 |
| Equity capital to assets | 8.3910% | 2,800 |
| Core capital (leverage) ratio | 12.1323% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5017% | 1,201 |
| Memoranda: | ||
| Average total assets | $286,276,750 | 2,492 |
| Average earning assets | $263,925,500 | 2,498 |
| Average equity | $24,338,750 | 2,545 |
| Average total loans | $160,941,750 | 2,599 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0438% | 1,481 |
| Cost of funding earning assets | 0.8564% | 3,057 |
| Net interest margin | 4.1874% | 947 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 3.1938% | 799 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.4381% | 1,241 |
| Return on assets (ROA) | 1.4381% | 1,227 |
| Pretax return on assets | 1.4381% | 1,729 |
| Return on Equity (ROE) | 16.8400% | 1,128 |
| Retained earnings to average equity (ytd only) | 9.4837% | 1,551 |
| Net charge-offs to loans | -0.0327% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8566% | 2,123 |
| Assets per employee ($millions) | 3.7523% | 4,274 |
| Cash dividends to net income (ytd only)* | 43.6893% | 1,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 300 |
| Loan loss allowance to noncurrent loans | 109.0852% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.1865% | 345 |
| Noncurrent loans to loans | 2.0273% | 273 |
| Net loans and leases to total assets | 54.3300% | 3,247 |
| Net loans and leases to deposits | 60.5824% | 3,385 |
| Net loans and leases to core deposits | 64.1866% | 3,439 |
| Total domestic deposits to total assets | 89.6800% | 1,019 |
| Equity capital to assets | 8.8401% | 2,632 |
| Core capital (leverage) ratio | 11.5973% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8748% | 1,146 |
| Memoranda: | ||
| Average total assets | $286,496,667 | 2,495 |
| Average earning assets | $264,366,000 | 2,503 |
| Average equity | $24,463,000 | 2,543 |
| Average total loans | $159,061,667 | 2,610 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 1,457 |
| Cost of funding earning assets | 0.7457% | 2,906 |
| Net interest margin | 4.1293% | 1,055 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.1609% | 845 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.4047% | 1,394 |
| Return on assets (ROA) | 1.4047% | 1,368 |
| Pretax return on assets | 1.4047% | 1,870 |
| Return on Equity (ROE) | 16.7400% | 1,216 |
| Retained earnings to average equity (ytd only) | 9.3175% | 1,860 |
| Net charge-offs to loans | -0.0374% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.1370% | 2,075 |
| Assets per employee ($millions) | 4.0643% | 4,224 |
| Cash dividends to net income (ytd only)* | 44.3350% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0764% | 391 |
| Loan loss allowance to noncurrent loans | 56.0362% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0958% | 110 |
| Noncurrent loans to loans | 3.7054% | 102 |
| Net loans and leases to total assets | 53.8600% | 3,211 |
| Net loans and leases to deposits | 59.6990% | 3,351 |
| Net loans and leases to core deposits | 64.7202% | 3,304 |
| Total domestic deposits to total assets | 90.2200% | 1,081 |
| Equity capital to assets | 8.4955% | 2,896 |
| Core capital (leverage) ratio | 11.2983% | 1,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0038% | 1,368 |
| Memoranda: | ||
| Average total assets | $289,034,000 | 2,521 |
| Average earning assets | $266,584,000 | 2,522 |
| Average equity | $24,255,500 | 2,584 |
| Average total loans | $160,411,500 | 2,615 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 799 |
| Cost of funding earning assets | 0.2662% | 3,192 |
| Net interest margin | 4.1848% | 558 |
| Noninterest income to average assets | 1.0500% | 591 |
| Noninterest expense to average assets | 3.2035% | 720 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.6223% | 650 |
| Return on assets (ROA) | 1.6223% | 621 |
| Pretax return on assets | 1.6223% | 1,106 |
| Return on Equity (ROE) | 17.2400% | 824 |
| Retained earnings to average equity (ytd only) | 1.7801% | 4,021 |
| Net charge-offs to loans | 0.0605% | 1,041 |
| Credit loss provision to net charge-offs | 353.0000% | 836 |
| Earnings coverage of net charge-offs (x) | 50.2000% | 1,360 |
| Efficiency ratio | 64.7373% | 2,396 |
| Assets per employee ($millions) | 4.5308% | 4,016 |
| Cash dividends to net income (ytd only)* | 89.6722% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0167% | 418 |
| Loan loss allowance to noncurrent loans | 52.2359% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 105 |
| Noncurrent loans to loans | 3.8607% | 96 |
| Net loans and leases to total assets | 54.8800% | 3,126 |
| Net loans and leases to deposits | 60.6889% | 3,289 |
| Net loans and leases to core deposits | 65.6843% | 3,150 |
| Total domestic deposits to total assets | 90.4200% | 1,188 |
| Equity capital to assets | 8.2858% | 2,868 |
| Core capital (leverage) ratio | 11.0889% | 1,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7552% | 1,418 |
| Memoranda: | ||
| Average total assets | $287,684,400 | 2,511 |
| Average earning assets | $268,182,000 | 2,501 |
| Average equity | $27,077,000 | 2,476 |
| Average total loans | $165,309,000 | 2,503 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 677 |
| Cost of funding earning assets | 0.2222% | 3,016 |
| Net interest margin | 4.1127% | 503 |
| Noninterest income to average assets | 0.9200% | 787 |
| Noninterest expense to average assets | 3.1366% | 742 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.5001% | 851 |
| Return on assets (ROA) | 1.5001% | 830 |
| Pretax return on assets | 1.5001% | 1,406 |
| Return on Equity (ROE) | 15.4800% | 1,083 |
| Retained earnings to average equity (ytd only) | 9.0355% | 1,638 |
| Net charge-offs to loans | 0.0224% | 1,386 |
| Credit loss provision to net charge-offs | 1,010.7143% | 403 |
| Earnings coverage of net charge-offs (x) | 125.9286% | 825 |
| Efficiency ratio | 65.7902% | 2,306 |
| Assets per employee ($millions) | 4.6465% | 3,942 |
| Cash dividends to net income (ytd only)* | 41.6281% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9317% | 565 |
| Loan loss allowance to noncurrent loans | 62.3020% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.9257% | 140 |
| Noncurrent loans to loans | 3.1005% | 148 |
| Net loans and leases to total assets | 57.7800% | 2,722 |
| Net loans and leases to deposits | 64.1127% | 2,859 |
| Net loans and leases to core deposits | 68.9462% | 2,727 |
| Total domestic deposits to total assets | 90.1300% | 1,604 |
| Equity capital to assets | 8.3388% | 2,649 |
| Core capital (leverage) ratio | 11.5991% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9182% | 1,452 |
| Memoranda: | ||
| Average total assets | $288,245,250 | 2,529 |
| Average earning assets | $269,367,500 | 2,520 |
| Average equity | $27,933,500 | 2,466 |
| Average total loans | $166,669,250 | 2,486 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 555 |
| Cost of funding earning assets | 0.1974% | 2,948 |
| Net interest margin | 4.0626% | 432 |
| Noninterest income to average assets | 0.8867% | 868 |
| Noninterest expense to average assets | 3.1575% | 672 |
| Loan and lease loss provision to assets | 0.1477% | 645 |
| Net operating income to assets | 1.3883% | 926 |
| Return on assets (ROA) | 1.3883% | 904 |
| Pretax return on assets | 1.3883% | 1,471 |
| Return on Equity (ROE) | 13.7028% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.5733% | 1,777 |
| Net charge-offs to loans | 0.0324% | 1,083 |
| Credit loss provision to net charge-offs | 792.5926% | 475 |
| Earnings coverage of net charge-offs (x) | 82.4444% | 913 |
| Efficiency ratio | 67.2743% | 2,347 |
| Assets per employee ($millions) | 4.2615% | 4,230 |
| Cash dividends to net income (ytd only)* | 44.7316% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 691 |
| Loan loss allowance to noncurrent loans | 61.2134% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.9049% | 160 |
| Noncurrent loans to loans | 3.0726% | 159 |
| Net loans and leases to total assets | 57.6994% | 2,563 |
| Net loans and leases to deposits | 63.9686% | 2,725 |
| Net loans and leases to core deposits | 68.4568% | 2,610 |
| Total domestic deposits to total assets | 90.1997% | 1,630 |
| Equity capital to assets | 8.5591% | 2,718 |
| Core capital (leverage) ratio | 11.1712% | 1,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3517% | 1,615 |
| Memoranda: | ||
| Average total assets | $289,848,667 | 2,535 |
| Average earning assets | $271,598,667 | 2,528 |
| Average equity | $29,366,333 | 2,446 |
| Average total loans | $166,556,667 | 2,495 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0762% | 664 |
| Cost of funding earning assets | 0.1824% | 3,057 |
| Net interest margin | 3.8939% | 508 |
| Noninterest income to average assets | 0.8424% | 948 |
| Noninterest expense to average assets | 3.0615% | 737 |
| Loan and lease loss provision to assets | 0.1849% | 410 |
| Net operating income to assets | 1.2520% | 1,114 |
| Return on assets (ROA) | 1.2520% | 1,099 |
| Pretax return on assets | 1.2520% | 1,653 |
| Return on Equity (ROE) | 11.4858% | 1,464 |
| Retained earnings to average equity (ytd only) | 5.8309% | 2,303 |
| Net charge-offs to loans | 0.0820% | 592 |
| Credit loss provision to net charge-offs | 397.0588% | 588 |
| Earnings coverage of net charge-offs (x) | 30.8529% | 1,116 |
| Efficiency ratio | 68.0572% | 2,499 |
| Assets per employee ($millions) | 4.2705% | 4,268 |
| Cash dividends to net income (ytd only)* | 49.2341% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8382% | 823 |
| Loan loss allowance to noncurrent loans | 59.7782% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.8661% | 164 |
| Noncurrent loans to loans | 3.0750% | 169 |
| Net loans and leases to total assets | 56.4925% | 2,483 |
| Net loans and leases to deposits | 65.7473% | 2,358 |
| Net loans and leases to core deposits | 70.5721% | 2,242 |
| Total domestic deposits to total assets | 85.9237% | 3,283 |
| Equity capital to assets | 10.0645% | 1,845 |
| Core capital (leverage) ratio | 10.8547% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9460% | 1,819 |
| Memoranda: | ||
| Average total assets | $292,012,500 | 2,537 |
| Average earning assets | $274,174,000 | 2,527 |
| Average equity | $31,830,500 | 2,395 |
| Average total loans | $165,884,000 | 2,500 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9856% | 1,391 |
| Cost of funding earning assets | 0.2192% | 3,267 |
| Net interest margin | 3.7664% | 1,072 |
| Noninterest income to average assets | 1.0142% | 976 |
| Noninterest expense to average assets | 2.9022% | 1,148 |
| Loan and lease loss provision to assets | 0.1954% | 561 |
| Net operating income to assets | 1.4322% | 1,178 |
| Return on assets (ROA) | 1.4322% | 1,253 |
| Pretax return on assets | 1.4322% | 1,941 |
| Return on Equity (ROE) | 11.4058% | 2,014 |
| Retained earnings to average equity (ytd only) | 1.1799% | 4,209 |
| Net charge-offs to loans | 0.0390% | 1,475 |
| Credit loss provision to net charge-offs | 893.5484% | 572 |
| Earnings coverage of net charge-offs (x) | 74.4194% | 1,040 |
| Efficiency ratio | 64.0682% | 2,558 |
| Assets per employee ($millions) | 4.1356% | 4,365 |
| Cash dividends to net income (ytd only)* | 89.6552% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 855 |
| Loan loss allowance to noncurrent loans | 56.5259% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.8908% | 176 |
| Noncurrent loans to loans | 3.1923% | 175 |
| Net loans and leases to total assets | 55.0603% | 2,725 |
| Net loans and leases to deposits | 66.1713% | 2,499 |
| Net loans and leases to core deposits | 71.0591% | 2,349 |
| Total domestic deposits to total assets | 83.2087% | 3,764 |
| Equity capital to assets | 11.7270% | 1,377 |
| Core capital (leverage) ratio | 10.6031% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0820% | 1,248 |
| Memoranda: | ||
| Average total assets | $283,476,400 | 2,515 |
| Average earning assets | $264,602,400 | 2,525 |
| Average equity | $35,595,800 | 2,260 |
| Average total loans | $159,063,400 | 2,554 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 1,502 |
| Cost of funding earning assets | 0.2304% | 3,321 |
| Net interest margin | 3.7844% | 1,149 |
| Noninterest income to average assets | 1.0094% | 1,056 |
| Noninterest expense to average assets | 2.8034% | 1,332 |
| Loan and lease loss provision to assets | 0.1976% | 525 |
| Net operating income to assets | 1.5315% | 1,190 |
| Return on assets (ROA) | 1.5315% | 1,238 |
| Pretax return on assets | 1.5315% | 1,899 |
| Return on Equity (ROE) | 11.9894% | 2,048 |
| Retained earnings to average equity (ytd only) | 6.9737% | 2,432 |
| Net charge-offs to loans | -0.0008% | 3,111 |
| Credit loss provision to net charge-offs | -41,600.0000% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8534% | 2,725 |
| Assets per employee ($millions) | 4.0921% | 4,392 |
| Cash dividends to net income (ytd only)* | 41.8345% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 949 |
| Loan loss allowance to noncurrent loans | 45.6207% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 2.2868% | 148 |
| Noncurrent loans to loans | 3.9226% | 133 |
| Net loans and leases to total assets | 54.7038% | 2,880 |
| Net loans and leases to deposits | 64.9077% | 2,743 |
| Net loans and leases to core deposits | 69.6903% | 2,624 |
| Total domestic deposits to total assets | 84.2793% | 3,377 |
| Equity capital to assets | 12.6622% | 1,105 |
| Core capital (leverage) ratio | 11.2493% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3268% | 1,535 |
| Memoranda: | ||
| Average total assets | $280,938,250 | 2,552 |
| Average earning assets | $261,524,000 | 2,563 |
| Average equity | $35,886,250 | 2,279 |
| Average total loans | $157,668,250 | 2,603 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0477% | 1,458 |
| Cost of funding earning assets | 0.2503% | 3,280 |
| Net interest margin | 3.7975% | 1,140 |
| Noninterest income to average assets | 0.8792% | 1,329 |
| Noninterest expense to average assets | 2.7854% | 1,385 |
| Loan and lease loss provision to assets | 0.2002% | 558 |
| Net operating income to assets | 1.4121% | 1,531 |
| Return on assets (ROA) | 1.4121% | 1,598 |
| Pretax return on assets | 1.4121% | 2,293 |
| Return on Equity (ROE) | 11.0214% | 2,415 |
| Retained earnings to average equity (ytd only) | 5.9631% | 2,817 |
| Net charge-offs to loans | -0.0205% | 4,005 |
| Credit loss provision to net charge-offs | -1,737.5000% | 3,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3372% | 2,515 |
| Assets per employee ($millions) | 4.1632% | 4,353 |
| Cash dividends to net income (ytd only)* | 45.8950% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 987 |
| Loan loss allowance to noncurrent loans | 39.5578% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.5430% | 131 |
| Noncurrent loans to loans | 4.3999% | 111 |
| Net loans and leases to total assets | 54.4962% | 3,080 |
| Net loans and leases to deposits | 64.5716% | 2,940 |
| Net loans and leases to core deposits | 69.3777% | 2,837 |
| Total domestic deposits to total assets | 84.3966% | 3,317 |
| Equity capital to assets | 12.5108% | 1,127 |
| Core capital (leverage) ratio | 11.1469% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4686% | 1,479 |
| Memoranda: | ||
| Average total assets | $277,737,333 | 2,565 |
| Average earning assets | $257,329,000 | 2,575 |
| Average equity | $35,585,333 | 2,289 |
| Average total loans | $156,280,000 | 2,628 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 1,333 |
| Cost of funding earning assets | 0.2803% | 3,186 |
| Net interest margin | 3.8449% | 1,065 |
| Noninterest income to average assets | 0.8059% | 1,570 |
| Noninterest expense to average assets | 2.7197% | 1,574 |
| Loan and lease loss provision to assets | 0.2066% | 583 |
| Net operating income to assets | 1.4375% | 1,475 |
| Return on assets (ROA) | 1.4375% | 1,549 |
| Pretax return on assets | 1.4375% | 2,175 |
| Return on Equity (ROE) | 11.0821% | 2,336 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,901 |
| Net charge-offs to loans | -0.0672% | 4,503 |
| Credit loss provision to net charge-offs | -542.3077% | 3,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3237% | 2,699 |
| Assets per employee ($millions) | 4.2567% | 4,306 |
| Cash dividends to net income (ytd only)* | 45.8716% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7005% | 1,045 |
| Loan loss allowance to noncurrent loans | 35.7809% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 2.6375% | 139 |
| Noncurrent loans to loans | 4.7524% | 90 |
| Net loans and leases to total assets | 54.4449% | 3,196 |
| Net loans and leases to deposits | 64.3347% | 3,094 |
| Net loans and leases to core deposits | 69.3937% | 2,921 |
| Total domestic deposits to total assets | 84.6275% | 3,245 |
| Equity capital to assets | 12.4951% | 1,083 |
| Core capital (leverage) ratio | 11.2247% | 1,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8520% | 1,618 |
| Memoranda: | ||
| Average total assets | $272,974,000 | 2,582 |
| Average earning assets | $252,596,000 | 2,594 |
| Average equity | $35,408,500 | 2,286 |
| Average total loans | $154,759,500 | 2,645 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 1,662 |
| Cost of funding earning assets | 0.5380% | 2,698 |
| Net interest margin | 3.8340% | 1,408 |
| Noninterest income to average assets | 0.7766% | 1,605 |
| Noninterest expense to average assets | 2.7445% | 2,103 |
| Loan and lease loss provision to assets | 0.3213% | 1,144 |
| Net operating income to assets | 1.2704% | 1,332 |
| Return on assets (ROA) | 1.2704% | 1,437 |
| Pretax return on assets | 1.2704% | 2,082 |
| Return on Equity (ROE) | 9.6765% | 2,132 |
| Retained earnings to average equity (ytd only) | 1.0352% | 4,217 |
| Net charge-offs to loans | 0.3571% | 485 |
| Credit loss provision to net charge-offs | 153.2143% | 2,405 |
| Earnings coverage of net charge-offs (x) | 7.5911% | 2,681 |
| Efficiency ratio | 63.2933% | 2,927 |
| Assets per employee ($millions) | 4.0152% | 4,363 |
| Cash dividends to net income (ytd only)* | 89.3015% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 1,265 |
| Loan loss allowance to noncurrent loans | 32.5798% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.8894% | 135 |
| Noncurrent loans to loans | 4.9437% | 93 |
| Net loans and leases to total assets | 57.1442% | 3,185 |
| Net loans and leases to deposits | 68.4601% | 3,037 |
| Net loans and leases to core deposits | 74.1689% | 2,899 |
| Total domestic deposits to total assets | 83.4709% | 3,271 |
| Equity capital to assets | 13.4763% | 935 |
| Core capital (leverage) ratio | 11.6562% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6613% | 1,356 |
| Memoranda: | ||
| Average total assets | $267,076,000 | 2,479 |
| Average earning assets | $247,964,000 | 2,477 |
| Average equity | $35,064,400 | 2,232 |
| Average total loans | $156,839,000 | 2,599 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4076% | 1,834 |
| Cost of funding earning assets | 0.5949% | 2,646 |
| Net interest margin | 3.8127% | 1,583 |
| Noninterest income to average assets | 0.7105% | 1,763 |
| Noninterest expense to average assets | 2.7673% | 2,065 |
| Loan and lease loss provision to assets | 0.2440% | 1,665 |
| Net operating income to assets | 1.2436% | 1,508 |
| Return on assets (ROA) | 1.2436% | 1,622 |
| Pretax return on assets | 1.2436% | 2,253 |
| Return on Equity (ROE) | 9.5350% | 2,195 |
| Retained earnings to average equity (ytd only) | 4.3778% | 2,857 |
| Net charge-offs to loans | 0.0601% | 1,744 |
| Credit loss provision to net charge-offs | 690.1408% | 1,080 |
| Earnings coverage of net charge-offs (x) | 42.0563% | 1,328 |
| Efficiency ratio | 65.0351% | 2,587 |
| Assets per employee ($millions) | 3.9864% | 4,319 |
| Cash dividends to net income (ytd only)* | 54.0865% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,015 |
| Loan loss allowance to noncurrent loans | 32.7910% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 3.0444% | 146 |
| Noncurrent loans to loans | 4.9778% | 108 |
| Net loans and leases to total assets | 59.5534% | 3,275 |
| Net loans and leases to deposits | 72.9796% | 3,036 |
| Net loans and leases to core deposits | 79.3682% | 2,899 |
| Total domestic deposits to total assets | 81.6028% | 3,518 |
| Equity capital to assets | 13.8945% | 887 |
| Core capital (leverage) ratio | 11.8630% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8093% | 1,303 |
| Memoranda: | ||
| Average total assets | $267,593,750 | 2,453 |
| Average earning assets | $248,777,250 | 2,462 |
| Average equity | $34,902,250 | 2,230 |
| Average total loans | $157,570,250 | 2,595 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 2,041 |
| Cost of funding earning assets | 0.6761% | 2,521 |
| Net interest margin | 3.7825% | 1,879 |
| Noninterest income to average assets | 0.6823% | 1,800 |
| Noninterest expense to average assets | 2.7381% | 2,261 |
| Loan and lease loss provision to assets | 0.2282% | 1,837 |
| Net operating income to assets | 1.2338% | 1,536 |
| Return on assets (ROA) | 1.2338% | 1,655 |
| Pretax return on assets | 1.2338% | 2,242 |
| Return on Equity (ROE) | 9.6650% | 2,090 |
| Retained earnings to average equity (ytd only) | 4.4250% | 2,737 |
| Net charge-offs to loans | -0.0318% | 4,563 |
| Credit loss provision to net charge-offs | -1,228.0000% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1920% | 2,636 |
| Assets per employee ($millions) | 4.3428% | 3,966 |
| Cash dividends to net income (ytd only)* | 54.2169% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,080 |
| Loan loss allowance to noncurrent loans | 41.0487% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 2.1921% | 304 |
| Noncurrent loans to loans | 3.8196% | 188 |
| Net loans and leases to total assets | 55.8893% | 3,695 |
| Net loans and leases to deposits | 67.2671% | 3,622 |
| Net loans and leases to core deposits | 72.4979% | 3,560 |
| Total domestic deposits to total assets | 83.0855% | 3,063 |
| Equity capital to assets | 12.7963% | 1,238 |
| Core capital (leverage) ratio | 11.3931% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9914% | 1,487 |
| Memoranda: | ||
| Average total assets | $269,090,000 | 2,416 |
| Average earning assets | $250,260,000 | 2,422 |
| Average equity | $34,350,667 | 2,245 |
| Average total loans | $156,997,667 | 2,591 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 1,662 |
| Cost of funding earning assets | 0.8083% | 2,334 |
| Net interest margin | 3.9086% | 1,653 |
| Noninterest income to average assets | 0.7360% | 1,512 |
| Noninterest expense to average assets | 2.7749% | 2,499 |
| Loan and lease loss provision to assets | 0.2469% | 1,262 |
| Net operating income to assets | 1.3471% | 1,116 |
| Return on assets (ROA) | 1.3471% | 1,202 |
| Pretax return on assets | 1.3471% | 1,727 |
| Return on Equity (ROE) | 10.5663% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.1875% | 2,201 |
| Net charge-offs to loans | -0.2394% | 4,961 |
| Credit loss provision to net charge-offs | -174.1935% | 3,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5159% | 3,303 |
| Assets per employee ($millions) | 3.8279% | 4,138 |
| Cash dividends to net income (ytd only)* | 50.9050% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 1,162 |
| Loan loss allowance to noncurrent loans | 51.4902% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 1.8794% | 466 |
| Noncurrent loans to loans | 3.0333% | 352 |
| Net loans and leases to total assets | 58.9850% | 3,594 |
| Net loans and leases to deposits | 69.1204% | 3,655 |
| Net loans and leases to core deposits | 74.8363% | 3,581 |
| Total domestic deposits to total assets | 85.3366% | 2,272 |
| Equity capital to assets | 12.7090% | 1,614 |
| Core capital (leverage) ratio | 11.8117% | 1,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2105% | 1,553 |
| Memoranda: | ||
| Average total assets | $262,492,500 | 2,417 |
| Average earning assets | $243,974,000 | 2,420 |
| Average equity | $33,465,000 | 2,274 |
| Average total loans | $155,356,500 | 2,584 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7391% | 2,211 |
| Cost of funding earning assets | 0.8541% | 2,405 |
| Net interest margin | 3.8850% | 2,228 |
| Noninterest income to average assets | 0.6896% | 1,851 |
| Noninterest expense to average assets | 2.7115% | 2,852 |
| Loan and lease loss provision to assets | 0.0897% | 2,228 |
| Net operating income to assets | 1.5030% | 1,045 |
| Return on assets (ROA) | 1.5049% | 1,107 |
| Pretax return on assets | 1.5049% | 1,793 |
| Return on Equity (ROE) | 12.0812% | 1,481 |
| Retained earnings to average equity (ytd only) | 1.1883% | 4,316 |
| Net charge-offs to loans | 0.1184% | 1,565 |
| Credit loss provision to net charge-offs | 137.1429% | 1,879 |
| Earnings coverage of net charge-offs (x) | 24.3486% | 1,778 |
| Efficiency ratio | 62.9961% | 3,221 |
| Assets per employee ($millions) | 3.9506% | 3,971 |
| Cash dividends to net income (ytd only)* | 90.1639% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 1,493 |
| Loan loss allowance to noncurrent loans | 37.7924% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 336 |
| Noncurrent loans to loans | 3.7294% | 208 |
| Net loans and leases to total assets | 57.6376% | 3,796 |
| Net loans and leases to deposits | 70.4891% | 3,631 |
| Net loans and leases to core deposits | 75.7657% | 3,586 |
| Total domestic deposits to total assets | 81.7681% | 3,572 |
| Equity capital to assets | 12.7882% | 1,650 |
| Core capital (leverage) ratio | 11.5630% | 2,065 |
| Tier 1 risk-based capital ratio | 14.0654% | 3,234 |
| Total risk-based capital ratio | 15.0670% | 3,266 |
| Memoranda: | ||
| Average total assets | $267,528,600 | 2,345 |
| Average earning assets | $248,907,200 | 2,345 |
| Average equity | $33,324,600 | 2,221 |
| Average total loans | $147,823,200 | 2,644 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 2,349 |
| Cost of funding earning assets | 0.8449% | 2,492 |
| Net interest margin | 3.8786% | 2,333 |
| Noninterest income to average assets | 0.6830% | 1,859 |
| Noninterest expense to average assets | 2.6538% | 3,004 |
| Loan and lease loss provision to assets | 0.0895% | 2,112 |
| Net operating income to assets | 1.5543% | 1,046 |
| Return on assets (ROA) | 1.5543% | 1,099 |
| Pretax return on assets | 1.5543% | 1,799 |
| Return on Equity (ROE) | 12.5604% | 1,423 |
| Retained earnings to average equity (ytd only) | 7.1378% | 1,791 |
| Net charge-offs to loans | -0.0949% | 4,977 |
| Credit loss provision to net charge-offs | -173.0769% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7511% | 3,360 |
| Assets per employee ($millions) | 3.9763% | 3,938 |
| Cash dividends to net income (ytd only)* | 43.1725% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 970 |
| Loan loss allowance to noncurrent loans | 42.6743% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.1110% | 396 |
| Noncurrent loans to loans | 3.7835% | 195 |
| Net loans and leases to total assets | 54.8953% | 4,107 |
| Net loans and leases to deposits | 67.4745% | 3,958 |
| Net loans and leases to core deposits | 71.2531% | 3,992 |
| Total domestic deposits to total assets | 81.3570% | 3,648 |
| Equity capital to assets | 13.2175% | 1,505 |
| Core capital (leverage) ratio | 11.8862% | 1,927 |
| Tier 1 risk-based capital ratio | 15.8451% | 2,496 |
| Total risk-based capital ratio | 17.0337% | 2,463 |
| Memoranda: | ||
| Average total assets | $268,238,250 | 2,357 |
| Average earning assets | $249,978,250 | 2,356 |
| Average equity | $33,193,500 | 2,245 |
| Average total loans | $146,093,500 | 2,683 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6823% | 2,418 |
| Cost of funding earning assets | 0.8136% | 2,582 |
| Net interest margin | 3.8687% | 2,346 |
| Noninterest income to average assets | 0.6710% | 1,832 |
| Noninterest expense to average assets | 2.6231% | 3,138 |
| Loan and lease loss provision to assets | 0.0885% | 2,070 |
| Net operating income to assets | 1.5674% | 975 |
| Return on assets (ROA) | 1.5652% | 1,020 |
| Pretax return on assets | 1.5652% | 1,649 |
| Return on Equity (ROE) | 12.9396% | 1,266 |
| Retained earnings to average equity (ytd only) | 7.4046% | 1,648 |
| Net charge-offs to loans | -0.1680% | 5,104 |
| Credit loss provision to net charge-offs | -97.5410% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3004% | 3,541 |
| Assets per employee ($millions) | 3.9456% | 3,942 |
| Cash dividends to net income (ytd only)* | 42.7757% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 1,036 |
| Loan loss allowance to noncurrent loans | 42.8935% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 2.0673% | 436 |
| Noncurrent loans to loans | 3.7219% | 208 |
| Net loans and leases to total assets | 53.3645% | 4,263 |
| Net loans and leases to deposits | 62.4317% | 4,312 |
| Net loans and leases to core deposits | 65.1984% | 4,352 |
| Total domestic deposits to total assets | 85.4766% | 2,274 |
| Equity capital to assets | 12.6508% | 1,775 |
| Core capital (leverage) ratio | 11.5221% | 2,145 |
| Tier 1 risk-based capital ratio | 15.2896% | 2,719 |
| Total risk-based capital ratio | 16.4370% | 2,686 |
| Memoranda: | ||
| Average total assets | $268,847,330 | 2,364 |
| Average earning assets | $250,732,330 | 2,359 |
| Average equity | $32,520,330 | 2,273 |
| Average total loans | $145,242,330 | 2,707 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 2,524 |
| Cost of funding earning assets | 0.7876% | 2,606 |
| Net interest margin | 3.8147% | 2,468 |
| Noninterest income to average assets | 0.6468% | 1,833 |
| Noninterest expense to average assets | 2.6068% | 3,200 |
| Loan and lease loss provision to assets | 0.0883% | 1,944 |
| Net operating income to assets | 1.5123% | 1,084 |
| Return on assets (ROA) | 1.5123% | 1,112 |
| Pretax return on assets | 1.5123% | 1,720 |
| Return on Equity (ROE) | 12.8010% | 1,283 |
| Retained earnings to average equity (ytd only) | 7.0976% | 2,000 |
| Net charge-offs to loans | 0.0500% | 1,566 |
| Credit loss provision to net charge-offs | 327.7778% | 780 |
| Earnings coverage of net charge-offs (x) | 59.3889% | 923 |
| Efficiency ratio | 61.9573% | 3,539 |
| Assets per employee ($millions) | 4.1065% | 3,757 |
| Cash dividends to net income (ytd only)* | 44.5545% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 1,346 |
| Loan loss allowance to noncurrent loans | 31.9840% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.5303% | 308 |
| Noncurrent loans to loans | 4.6846% | 132 |
| Net loans and leases to total assets | 52.3204% | 4,316 |
| Net loans and leases to deposits | 60.1134% | 4,400 |
| Net loans and leases to core deposits | 63.0539% | 4,425 |
| Total domestic deposits to total assets | 87.0362% | 1,797 |
| Equity capital to assets | 11.9322% | 2,067 |
| Core capital (leverage) ratio | 11.4931% | 2,141 |
| Tier 1 risk-based capital ratio | 15.1086% | 2,833 |
| Total risk-based capital ratio | 16.1686% | 2,839 |
| Memoranda: | ||
| Average total assets | $267,149,500 | 2,391 |
| Average earning assets | $249,352,500 | 2,385 |
| Average equity | $31,560,000 | 2,327 |
| Average total loans | $144,044,500 | 2,753 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5184% | 2,408 |
| Cost of funding earning assets | 0.6307% | 2,517 |
| Net interest margin | 3.8877% | 2,368 |
| Noninterest income to average assets | 0.7419% | 1,683 |
| Noninterest expense to average assets | 2.7768% | 2,765 |
| Loan and lease loss provision to assets | 0.0521% | 3,138 |
| Net operating income to assets | 1.5147% | 1,083 |
| Return on assets (ROA) | 1.5147% | 1,066 |
| Pretax return on assets | 1.5147% | 1,732 |
| Return on Equity (ROE) | 12.8958% | 1,382 |
| Retained earnings to average equity (ytd only) | 1.3185% | 4,607 |
| Net charge-offs to loans | 0.2482% | 776 |
| Credit loss provision to net charge-offs | 39.4286% | 3,291 |
| Earnings coverage of net charge-offs (x) | 11.8514% | 2,595 |
| Efficiency ratio | 63.9273% | 3,204 |
| Assets per employee ($millions) | 3.9889% | 3,907 |
| Cash dividends to net income (ytd only)* | 89.7756% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 1,391 |
| Loan loss allowance to noncurrent loans | 32.3498% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.5005% | 306 |
| Noncurrent loans to loans | 4.5384% | 136 |
| Net loans and leases to total assets | 53.9418% | 4,282 |
| Net loans and leases to deposits | 61.8192% | 4,385 |
| Net loans and leases to core deposits | 65.4975% | 4,386 |
| Total domestic deposits to total assets | 87.2574% | 1,660 |
| Equity capital to assets | 11.6916% | 2,102 |
| Core capital (leverage) ratio | 11.4471% | 2,142 |
| Tier 1 risk-based capital ratio | 14.9193% | 2,863 |
| Total risk-based capital ratio | 15.9656% | 2,887 |
| Memoranda: | ||
| Average total assets | $264,731,400 | 2,372 |
| Average earning assets | $245,263,800 | 2,376 |
| Average equity | $31,095,400 | 2,276 |
| Average total loans | $141,040,000 | 2,760 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 2,317 |
| Cost of funding earning assets | 0.6039% | 2,445 |
| Net interest margin | 3.8928% | 2,331 |
| Noninterest income to average assets | 0.7298% | 1,754 |
| Noninterest expense to average assets | 2.7964% | 2,642 |
| Loan and lease loss provision to assets | 0.0005% | 3,945 |
| Net operating income to assets | 1.5315% | 1,116 |
| Return on assets (ROA) | 1.5315% | 1,118 |
| Pretax return on assets | 1.5315% | 1,800 |
| Return on Equity (ROE) | 13.0232% | 1,424 |
| Retained earnings to average equity (ytd only) | 6.6079% | 2,331 |
| Net charge-offs to loans | -0.0105% | 4,418 |
| Credit loss provision to net charge-offs | -9.0909% | 4,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6061% | 3,088 |
| Assets per employee ($millions) | 3.9406% | 3,985 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 904 |
| Loan loss allowance to noncurrent loans | 63.3803% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4802% | 868 |
| Noncurrent loans to loans | 2.6551% | 465 |
| Net loans and leases to total assets | 51.7819% | 4,495 |
| Net loans and leases to deposits | 59.5739% | 4,572 |
| Net loans and leases to core deposits | 62.0518% | 4,607 |
| Total domestic deposits to total assets | 86.9204% | 1,766 |
| Equity capital to assets | 11.8180% | 2,024 |
| Core capital (leverage) ratio | 11.6509% | 2,046 |
| Tier 1 risk-based capital ratio | 16.1356% | 2,390 |
| Total risk-based capital ratio | 17.3423% | 2,355 |
| Memoranda: | ||
| Average total assets | $265,097,500 | 2,382 |
| Average earning assets | $245,060,000 | 2,385 |
| Average equity | $31,174,250 | 2,272 |
| Average total loans | $140,268,250 | 2,781 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 2,310 |
| Cost of funding earning assets | 0.5717% | 2,420 |
| Net interest margin | 3.8609% | 2,341 |
| Noninterest income to average assets | 0.7301% | 1,742 |
| Noninterest expense to average assets | 2.7869% | 2,700 |
| Loan and lease loss provision to assets | 0.0008% | 3,780 |
| Net operating income to assets | 1.5038% | 1,154 |
| Return on assets (ROA) | 1.5038% | 1,150 |
| Pretax return on assets | 1.5038% | 1,802 |
| Return on Equity (ROE) | 12.8092% | 1,441 |
| Retained earnings to average equity (ytd only) | 6.3918% | 2,364 |
| Net charge-offs to loans | -0.0370% | 4,814 |
| Credit loss provision to net charge-offs | -3.8462% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9403% | 3,169 |
| Assets per employee ($millions) | 3.8947% | 4,066 |
| Cash dividends to net income (ytd only)* | 50.1002% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 1,021 |
| Loan loss allowance to noncurrent loans | 59.2304% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.5004% | 889 |
| Noncurrent loans to loans | 2.7572% | 441 |
| Net loans and leases to total assets | 52.7855% | 4,426 |
| Net loans and leases to deposits | 60.4604% | 4,505 |
| Net loans and leases to core deposits | 63.0216% | 4,552 |
| Total domestic deposits to total assets | 87.3059% | 1,723 |
| Equity capital to assets | 11.5751% | 2,142 |
| Core capital (leverage) ratio | 11.3096% | 2,246 |
| Tier 1 risk-based capital ratio | 15.4432% | 2,667 |
| Total risk-based capital ratio | 16.6268% | 2,628 |
| Memoranda: | ||
| Average total assets | $265,456,330 | 2,380 |
| Average earning assets | $244,865,330 | 2,395 |
| Average equity | $31,165,000 | 2,279 |
| Average total loans | $140,672,670 | 2,787 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3209% | 2,447 |
| Cost of funding earning assets | 0.5117% | 2,708 |
| Net interest margin | 3.8092% | 2,388 |
| Noninterest income to average assets | 0.7369% | 1,673 |
| Noninterest expense to average assets | 2.8141% | 2,647 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4555% | 1,181 |
| Return on assets (ROA) | 1.4555% | 1,186 |
| Pretax return on assets | 1.4555% | 1,818 |
| Return on Equity (ROE) | 12.3099% | 1,471 |
| Retained earnings to average equity (ytd only) | 5.8985% | 2,759 |
| Net charge-offs to loans | -0.0259% | 4,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9091% | 3,176 |
| Assets per employee ($millions) | 3.9683% | 4,029 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 1,027 |
| Loan loss allowance to noncurrent loans | 53.2589% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6715% | 781 |
| Noncurrent loans to loans | 3.1180% | 370 |
| Net loans and leases to total assets | 52.0532% | 4,433 |
| Net loans and leases to deposits | 59.5382% | 4,507 |
| Net loans and leases to core deposits | 77.3318% | 3,551 |
| Total domestic deposits to total assets | 87.4283% | 1,938 |
| Equity capital to assets | 11.5653% | 2,079 |
| Core capital (leverage) ratio | 11.4729% | 2,033 |
| Tier 1 risk-based capital ratio | 15.4677% | 2,674 |
| Total risk-based capital ratio | 16.6656% | 2,631 |
| Memoranda: | ||
| Average total assets | $263,819,000 | 2,415 |
| Average earning assets | $244,671,000 | 2,421 |
| Average equity | $31,194,500 | 2,287 |
| Average total loans | $138,906,000 | 2,828 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 2,113 |
| Cost of funding earning assets | 0.4381% | 2,894 |
| Net interest margin | 3.9326% | 1,981 |
| Noninterest income to average assets | 0.7679% | 1,702 |
| Noninterest expense to average assets | 3.0103% | 2,147 |
| Loan and lease loss provision to assets | 0.0989% | 2,249 |
| Net operating income to assets | 1.2774% | 1,280 |
| Return on assets (ROA) | 1.2891% | 1,276 |
| Pretax return on assets | 1.2891% | 2,394 |
| Return on Equity (ROE) | 10.2350% | 1,792 |
| Retained earnings to average equity (ytd only) | 1.1207% | 4,578 |
| Net charge-offs to loans | 0.0679% | 2,486 |
| Credit loss provision to net charge-offs | 272.0430% | 1,026 |
| Earnings coverage of net charge-offs (x) | 37.8495% | 1,308 |
| Efficiency ratio | 68.6247% | 2,772 |
| Assets per employee ($millions) | 3.6356% | 4,527 |
| Cash dividends to net income (ytd only)* | 89.0507% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6983% | 952 |
| Loan loss allowance to noncurrent loans | 53.3823% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 1.6874% | 765 |
| Noncurrent loans to loans | 3.1814% | 337 |
| Net loans and leases to total assets | 51.4780% | 4,555 |
| Net loans and leases to deposits | 59.2935% | 4,612 |
| Net loans and leases to core deposits | 77.2925% | 3,644 |
| Total domestic deposits to total assets | 86.8190% | 2,081 |
| Equity capital to assets | 12.0872% | 1,773 |
| Core capital (leverage) ratio | 11.6571% | 1,826 |
| Tier 1 risk-based capital ratio | 15.6386% | 2,568 |
| Total risk-based capital ratio | 16.8606% | 2,519 |
| Memoranda: | ||
| Average total assets | $255,757,600 | 2,449 |
| Average earning assets | $235,340,800 | 2,457 |
| Average equity | $32,213,000 | 2,209 |
| Average total loans | $136,935,000 | 2,825 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4050% | 1,947 |
| Cost of funding earning assets | 0.4288% | 2,894 |
| Net interest margin | 3.9762% | 1,788 |
| Noninterest income to average assets | 0.7761% | 1,677 |
| Noninterest expense to average assets | 3.0084% | 2,088 |
| Loan and lease loss provision to assets | 0.1327% | 1,638 |
| Net operating income to assets | 1.2869% | 1,385 |
| Return on assets (ROA) | 1.3026% | 1,364 |
| Pretax return on assets | 1.3026% | 2,477 |
| Return on Equity (ROE) | 10.2358% | 2,022 |
| Retained earnings to average equity (ytd only) | 4.0548% | 3,504 |
| Net charge-offs to loans | -0.2055% | 5,551 |
| Credit loss provision to net charge-offs | -119.9052% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9417% | 2,883 |
| Assets per employee ($millions) | 3.6525% | 4,512 |
| Cash dividends to net income (ytd only)* | 60.3864% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9050% | 694 |
| Loan loss allowance to noncurrent loans | 56.5049% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.8958% | 709 |
| Noncurrent loans to loans | 3.3713% | 333 |
| Net loans and leases to total assets | 53.0095% | 4,492 |
| Net loans and leases to deposits | 62.2188% | 4,498 |
| Net loans and leases to core deposits | 78.3002% | 3,604 |
| Total domestic deposits to total assets | 85.1985% | 2,636 |
| Equity capital to assets | 13.0528% | 1,358 |
| Core capital (leverage) ratio | 11.9485% | 1,721 |
| Tier 1 risk-based capital ratio | 15.9987% | 2,506 |
| Total risk-based capital ratio | 17.2506% | 2,443 |
| Memoranda: | ||
| Average total assets | $254,256,000 | 2,480 |
| Average earning assets | $233,519,250 | 2,484 |
| Average equity | $32,356,250 | 2,218 |
| Average total loans | $136,899,000 | 2,843 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2551% | 2,266 |
| Cost of funding earning assets | 0.4106% | 2,972 |
| Net interest margin | 3.8445% | 2,111 |
| Noninterest income to average assets | 0.7897% | 1,608 |
| Noninterest expense to average assets | 3.0349% | 2,030 |
| Loan and lease loss provision to assets | 0.1411% | 1,454 |
| Net operating income to assets | 1.1411% | 1,820 |
| Return on assets (ROA) | 1.1506% | 1,828 |
| Pretax return on assets | 1.1506% | 2,975 |
| Return on Equity (ROE) | 9.1201% | 2,455 |
| Retained earnings to average equity (ytd only) | 2.8734% | 4,000 |
| Net charge-offs to loans | -0.0645% | 5,270 |
| Credit loss provision to net charge-offs | -406.8182% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2994% | 2,624 |
| Assets per employee ($millions) | 3.6507% | 4,510 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7208% | 1,018 |
| Loan loss allowance to noncurrent loans | 43.9765% | 4,715 |
| Noncurrent assets plus other real estate owned to assets | 2.1617% | 555 |
| Noncurrent loans to loans | 3.9130% | 253 |
| Net loans and leases to total assets | 52.6836% | 4,508 |
| Net loans and leases to deposits | 62.8274% | 4,442 |
| Net loans and leases to core deposits | 76.2555% | 3,748 |
| Total domestic deposits to total assets | 83.8546% | 3,257 |
| Equity capital to assets | 12.7423% | 1,502 |
| Core capital (leverage) ratio | 11.8730% | 1,711 |
| Tier 1 risk-based capital ratio | 15.3561% | 2,778 |
| Total risk-based capital ratio | 16.5854% | 2,718 |
| Memoranda: | ||
| Average total assets | $253,782,330 | 2,490 |
| Average earning assets | $232,852,670 | 2,499 |
| Average equity | $32,017,330 | 2,230 |
| Average total loans | $136,477,000 | 2,850 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2094% | 2,244 |
| Cost of funding earning assets | 0.3972% | 3,018 |
| Net interest margin | 3.8123% | 2,078 |
| Noninterest income to average assets | 0.8412% | 1,429 |
| Noninterest expense to average assets | 3.1385% | 1,767 |
| Loan and lease loss provision to assets | 0.1418% | 1,326 |
| Net operating income to assets | 1.0626% | 2,019 |
| Return on assets (ROA) | 1.0626% | 2,057 |
| Pretax return on assets | 1.0626% | 3,120 |
| Return on Equity (ROE) | 8.4666% | 2,690 |
| Retained earnings to average equity (ytd only) | 2.1198% | 4,293 |
| Net charge-offs to loans | -0.0887% | 5,411 |
| Credit loss provision to net charge-offs | -296.6667% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2671% | 2,527 |
| Assets per employee ($millions) | 3.5019% | 4,786 |
| Cash dividends to net income (ytd only)* | 74.9625% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7050% | 1,130 |
| Loan loss allowance to noncurrent loans | 38.0469% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 2.4455% | 481 |
| Noncurrent loans to loans | 4.4814% | 206 |
| Net loans and leases to total assets | 52.2908% | 4,488 |
| Net loans and leases to deposits | 60.8088% | 4,513 |
| Net loans and leases to core deposits | 73.9863% | 3,829 |
| Total domestic deposits to total assets | 85.9922% | 2,669 |
| Equity capital to assets | 12.5975% | 1,464 |
| Core capital (leverage) ratio | 11.8789% | 1,705 |
| Tier 1 risk-based capital ratio | 15.7210% | 2,654 |
| Total risk-based capital ratio | 16.9373% | 2,615 |
| Memoranda: | ||
| Average total assets | $251,073,500 | 2,535 |
| Average earning assets | $230,624,000 | 2,547 |
| Average equity | $31,512,000 | 2,259 |
| Average total loans | $135,242,000 | 2,885 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,064 |
| Cost of funding earning assets | 0.3747% | 3,271 |
| Net interest margin | 3.9487% | 1,794 |
| Noninterest income to average assets | 0.7854% | 1,806 |
| Noninterest expense to average assets | 2.9888% | 2,384 |
| Loan and lease loss provision to assets | 0.1385% | 1,799 |
| Net operating income to assets | 1.3322% | 1,137 |
| Return on assets (ROA) | 1.3619% | 1,123 |
| Pretax return on assets | 1.3619% | 2,060 |
| Return on Equity (ROE) | 10.6492% | 1,709 |
| Retained earnings to average equity (ytd only) | 0.5326% | 5,116 |
| Net charge-offs to loans | 0.2076% | 1,342 |
| Credit loss provision to net charge-offs | 124.5675% | 2,145 |
| Earnings coverage of net charge-offs (x) | 13.2249% | 2,384 |
| Efficiency ratio | 67.0205% | 3,437 |
| Assets per employee ($millions) | 3.3335% | 4,995 |
| Cash dividends to net income (ytd only)* | 94.9986% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 1,395 |
| Loan loss allowance to noncurrent loans | 61.5210% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 1,116 |
| Noncurrent loans to loans | 2.5845% | 596 |
| Net loans and leases to total assets | 53.6717% | 4,464 |
| Net loans and leases to deposits | 62.2863% | 4,523 |
| Net loans and leases to core deposits | 75.6862% | 3,772 |
| Total domestic deposits to total assets | 86.1693% | 2,504 |
| Equity capital to assets | 12.5039% | 1,524 |
| Core capital (leverage) ratio | 11.8353% | 1,702 |
| Tier 1 risk-based capital ratio | 15.6906% | 2,675 |
| Total risk-based capital ratio | 16.8443% | 2,641 |
| Memoranda: | ||
| Average total assets | $259,866,400 | 2,442 |
| Average earning assets | $241,802,800 | 2,419 |
| Average equity | $33,232,400 | 2,164 |
| Average total loans | $139,195,200 | 2,791 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,059 |
| Cost of funding earning assets | 0.3659% | 3,377 |
| Net interest margin | 3.9682% | 1,757 |
| Noninterest income to average assets | 0.7802% | 1,842 |
| Noninterest expense to average assets | 2.9758% | 2,380 |
| Loan and lease loss provision to assets | 0.1372% | 1,712 |
| Net operating income to assets | 1.3713% | 1,124 |
| Return on assets (ROA) | 1.4104% | 1,099 |
| Pretax return on assets | 1.4104% | 2,005 |
| Return on Equity (ROE) | 10.9707% | 1,682 |
| Retained earnings to average equity (ytd only) | 4.4476% | 3,165 |
| Net charge-offs to loans | 0.0257% | 3,153 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 109.9231% | 615 |
| Efficiency ratio | 66.3606% | 3,528 |
| Assets per employee ($millions) | 3.2866% | 5,063 |
| Cash dividends to net income (ytd only)* | 59.4596% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 1,268 |
| Loan loss allowance to noncurrent loans | 61.5466% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 1,074 |
| Noncurrent loans to loans | 2.7242% | 602 |
| Net loans and leases to total assets | 54.9368% | 4,409 |
| Net loans and leases to deposits | 65.8348% | 4,362 |
| Net loans and leases to core deposits | 78.8621% | 3,571 |
| Total domestic deposits to total assets | 83.4466% | 3,427 |
| Equity capital to assets | 13.8343% | 1,103 |
| Core capital (leverage) ratio | 11.8905% | 1,751 |
| Tier 1 risk-based capital ratio | 16.0876% | 2,588 |
| Total risk-based capital ratio | 17.3249% | 2,543 |
| Memoranda: | ||
| Average total assets | $262,330,750 | 2,420 |
| Average earning assets | $244,872,000 | 2,411 |
| Average equity | $33,725,250 | 2,161 |
| Average total loans | $139,906,000 | 2,786 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2982% | 2,163 |
| Cost of funding earning assets | 0.3532% | 3,528 |
| Net interest margin | 3.9450% | 1,826 |
| Noninterest income to average assets | 0.7587% | 1,896 |
| Noninterest expense to average assets | 2.9409% | 2,543 |
| Loan and lease loss provision to assets | 0.1343% | 1,698 |
| Net operating income to assets | 1.3710% | 1,115 |
| Return on assets (ROA) | 1.4011% | 1,117 |
| Pretax return on assets | 1.4011% | 2,024 |
| Return on Equity (ROE) | 11.1635% | 1,585 |
| Retained earnings to average equity (ytd only) | 4.5862% | 2,987 |
| Net charge-offs to loans | -0.1000% | 5,616 |
| Credit loss provision to net charge-offs | -255.7143% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1435% | 3,662 |
| Assets per employee ($millions) | 3.2892% | 5,080 |
| Cash dividends to net income (ytd only)* | 58.9181% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 1,403 |
| Loan loss allowance to noncurrent loans | 78.9102% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 1,813 |
| Noncurrent loans to loans | 2.0915% | 938 |
| Net loans and leases to total assets | 53.8007% | 4,531 |
| Net loans and leases to deposits | 66.6330% | 4,295 |
| Net loans and leases to core deposits | 79.2495% | 3,527 |
| Total domestic deposits to total assets | 80.7418% | 4,348 |
| Equity capital to assets | 13.3005% | 1,332 |
| Core capital (leverage) ratio | 11.1575% | 2,278 |
| Tier 1 risk-based capital ratio | 15.4853% | 2,866 |
| Total risk-based capital ratio | 16.6940% | 2,815 |
| Memoranda: | ||
| Average total assets | $266,512,670 | 2,416 |
| Average earning assets | $249,125,670 | 2,387 |
| Average equity | $33,448,330 | 2,175 |
| Average total loans | $140,020,000 | 2,788 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,540 |
| Cost of funding earning assets | 0.3441% | 3,671 |
| Net interest margin | 3.8385% | 2,147 |
| Noninterest income to average assets | 0.7249% | 1,921 |
| Noninterest expense to average assets | 2.8757% | 2,789 |
| Loan and lease loss provision to assets | 0.1319% | 1,599 |
| Net operating income to assets | 1.3222% | 1,203 |
| Return on assets (ROA) | 1.3222% | 1,284 |
| Pretax return on assets | 1.3222% | 2,209 |
| Return on Equity (ROE) | 10.8476% | 1,654 |
| Retained earnings to average equity (ytd only) | 4.1591% | 3,405 |
| Net charge-offs to loans | -0.0950% | 5,613 |
| Credit loss provision to net charge-offs | -269.6970% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4156% | 3,730 |
| Assets per employee ($millions) | 3.3477% | 5,056 |
| Cash dividends to net income (ytd only)* | 61.6592% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 1,667 |
| Loan loss allowance to noncurrent loans | 78.1613% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 2,062 |
| Noncurrent loans to loans | 2.0244% | 1,048 |
| Net loans and leases to total assets | 50.9006% | 4,731 |
| Net loans and leases to deposits | 60.3985% | 4,689 |
| Net loans and leases to core deposits | 70.7627% | 4,178 |
| Total domestic deposits to total assets | 84.2746% | 3,409 |
| Equity capital to assets | 12.3429% | 1,788 |
| Core capital (leverage) ratio | 10.9400% | 2,457 |
| Tier 1 risk-based capital ratio | 15.0988% | 3,107 |
| Total risk-based capital ratio | 16.2298% | 3,103 |
| Memoranda: | ||
| Average total assets | $269,845,000 | 2,385 |
| Average earning assets | $253,431,000 | 2,361 |
| Average equity | $32,892,000 | 2,204 |
| Average total loans | $138,957,000 | 2,807 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2622% | 2,342 |
| Cost of funding earning assets | 0.3284% | 3,930 |
| Net interest margin | 3.9338% | 1,918 |
| Noninterest income to average assets | 1.8922% | 387 |
| Noninterest expense to average assets | 3.2547% | 1,823 |
| Loan and lease loss provision to assets | 0.1350% | 1,769 |
| Net operating income to assets | 2.1771% | 259 |
| Return on assets (ROA) | 2.1790% | 264 |
| Pretax return on assets | 2.1790% | 362 |
| Return on Equity (ROE) | 17.8157% | 395 |
| Retained earnings to average equity (ytd only) | 0.9827% | 5,126 |
| Net charge-offs to loans | 0.2876% | 1,058 |
| Credit loss provision to net charge-offs | 91.4573% | 2,731 |
| Earnings coverage of net charge-offs (x) | 15.6608% | 2,189 |
| Efficiency ratio | 58.4660% | 5,089 |
| Assets per employee ($millions) | 3.3152% | 5,129 |
| Cash dividends to net income (ytd only)* | 94.4842% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5232% | 1,885 |
| Loan loss allowance to noncurrent loans | 84.8988% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9474% | 2,303 |
| Noncurrent loans to loans | 1.7941% | 1,224 |
| Net loans and leases to total assets | 50.4882% | 4,827 |
| Net loans and leases to deposits | 59.3920% | 4,818 |
| Net loans and leases to core deposits | 69.6265% | 4,321 |
| Total domestic deposits to total assets | 85.0084% | 3,089 |
| Equity capital to assets | 12.0340% | 1,930 |
| Core capital (leverage) ratio | 10.8621% | 2,544 |
| Tier 1 risk-based capital ratio | 15.0975% | 3,135 |
| Total risk-based capital ratio | 16.1748% | 3,146 |
| Memoranda: | ||
| Average total assets | $269,575,800 | 2,348 |
| Average earning assets | $251,820,200 | 2,329 |
| Average equity | $32,971,000 | 2,149 |
| Average total loans | $138,391,000 | 2,746 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2668% | 2,341 |
| Cost of funding earning assets | 0.3280% | 4,014 |
| Net interest margin | 3.9387% | 1,901 |
| Noninterest income to average assets | 2.1188% | 330 |
| Noninterest expense to average assets | 3.2567% | 1,806 |
| Loan and lease loss provision to assets | 0.1349% | 1,665 |
| Net operating income to assets | 2.3994% | 185 |
| Return on assets (ROA) | 2.3999% | 191 |
| Pretax return on assets | 2.3999% | 286 |
| Return on Equity (ROE) | 19.5438% | 299 |
| Retained earnings to average equity (ytd only) | 7.2711% | 1,558 |
| Net charge-offs to loans | 0.0510% | 2,881 |
| Credit loss provision to net charge-offs | 515.0943% | 634 |
| Earnings coverage of net charge-offs (x) | 96.7804% | 648 |
| Efficiency ratio | 56.2372% | 5,323 |
| Assets per employee ($millions) | 3.3633% | 5,038 |
| Cash dividends to net income (ytd only)* | 62.7960% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 1,513 |
| Loan loss allowance to noncurrent loans | 58.7163% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 1.5153% | 1,480 |
| Noncurrent loans to loans | 2.8681% | 637 |
| Net loans and leases to total assets | 51.0122% | 4,858 |
| Net loans and leases to deposits | 59.3445% | 4,901 |
| Net loans and leases to core deposits | 68.6866% | 4,482 |
| Total domestic deposits to total assets | 85.9594% | 2,541 |
| Equity capital to assets | 12.6149% | 1,680 |
| Core capital (leverage) ratio | 11.4643% | 2,064 |
| Tier 1 risk-based capital ratio | 15.5487% | 3,027 |
| Total risk-based capital ratio | 16.7331% | 2,987 |
| Memoranda: | ||
| Average total assets | $269,837,250 | 2,357 |
| Average earning assets | $251,581,500 | 2,349 |
| Average equity | $33,135,000 | 2,154 |
| Average total loans | $138,570,500 | 2,762 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 2,234 |
| Cost of funding earning assets | 0.3284% | 4,072 |
| Net interest margin | 3.9527% | 1,796 |
| Noninterest income to average assets | 2.4399% | 280 |
| Noninterest expense to average assets | 3.2722% | 1,780 |
| Loan and lease loss provision to assets | 0.1348% | 1,628 |
| Net operating income to assets | 2.7139% | 125 |
| Return on assets (ROA) | 2.7146% | 131 |
| Pretax return on assets | 2.7146% | 184 |
| Return on Equity (ROE) | 22.3088% | 184 |
| Retained earnings to average equity (ytd only) | 7.0955% | 1,659 |
| Net charge-offs to loans | 0.0593% | 2,543 |
| Credit loss provision to net charge-offs | 443.9024% | 686 |
| Earnings coverage of net charge-offs (x) | 93.8293% | 625 |
| Efficiency ratio | 53.4600% | 5,624 |
| Assets per employee ($millions) | 3.3736% | 5,034 |
| Cash dividends to net income (ytd only)* | 68.1942% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,680 |
| Loan loss allowance to noncurrent loans | 55.8094% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.5421% | 1,582 |
| Noncurrent loans to loans | 2.9981% | 662 |
| Net loans and leases to total assets | 49.4714% | 4,980 |
| Net loans and leases to deposits | 57.7099% | 5,011 |
| Net loans and leases to core deposits | 66.6856% | 4,600 |
| Total domestic deposits to total assets | 85.7243% | 2,831 |
| Equity capital to assets | 12.2382% | 1,846 |
| Core capital (leverage) ratio | 10.9017% | 2,518 |
| Tier 1 risk-based capital ratio | 15.5606% | 3,066 |
| Total risk-based capital ratio | 16.7449% | 3,056 |
| Memoranda: | ||
| Average total assets | $270,095,330 | 2,373 |
| Average earning assets | $251,522,000 | 2,360 |
| Average equity | $32,866,000 | 2,179 |
| Average total loans | $138,225,330 | 2,769 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 2,204 |
| Cost of funding earning assets | 0.3299% | 4,093 |
| Net interest margin | 3.9370% | 1,761 |
| Noninterest income to average assets | 1.1843% | 810 |
| Noninterest expense to average assets | 3.2080% | 1,964 |
| Loan and lease loss provision to assets | 0.1362% | 1,521 |
| Net operating income to assets | 1.5144% | 822 |
| Return on assets (ROA) | 1.5144% | 873 |
| Pretax return on assets | 1.5144% | 1,516 |
| Return on Equity (ROE) | 12.4815% | 1,224 |
| Retained earnings to average equity (ytd only) | 5.7710% | 2,621 |
| Net charge-offs to loans | -0.0201% | 5,052 |
| Credit loss provision to net charge-offs | -1,314.2857% | 5,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0268% | 4,154 |
| Assets per employee ($millions) | 3.2418% | 5,335 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 1,906 |
| Loan loss allowance to noncurrent loans | 52.4829% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 1.6558% | 1,529 |
| Noncurrent loans to loans | 3.1333% | 667 |
| Net loans and leases to total assets | 48.9802% | 4,942 |
| Net loans and leases to deposits | 56.5503% | 5,016 |
| Net loans and leases to core deposits | 65.4091% | 4,578 |
| Total domestic deposits to total assets | 86.6135% | 2,594 |
| Equity capital to assets | 12.1967% | 1,892 |
| Core capital (leverage) ratio | 10.7758% | 2,655 |
| Tier 1 risk-based capital ratio | 15.1614% | 3,344 |
| Total risk-based capital ratio | 16.3215% | 3,312 |
| Memoranda: | ||
| Average total assets | $270,200,500 | 2,382 |
| Average earning assets | $252,173,000 | 2,373 |
| Average equity | $32,784,500 | 2,195 |
| Average total loans | $139,444,000 | 2,761 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3278% | 2,504 |
| Cost of funding earning assets | 0.3425% | 4,336 |
| Net interest margin | 3.9853% | 1,936 |
| Noninterest income to average assets | 1.0753% | 1,049 |
| Noninterest expense to average assets | 3.5108% | 1,463 |
| Loan and lease loss provision to assets | 0.1306% | 2,008 |
| Net operating income to assets | 1.1215% | 1,897 |
| Return on assets (ROA) | 1.1317% | 1,914 |
| Pretax return on assets | 1.1317% | 2,958 |
| Return on Equity (ROE) | 9.8385% | 2,183 |
| Retained earnings to average equity (ytd only) | 0.3290% | 5,627 |
| Net charge-offs to loans | -0.0508% | 5,939 |
| Credit loss provision to net charge-offs | -491.7808% | 5,784 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7107% | 2,878 |
| Assets per employee ($millions) | 3.1915% | 5,443 |
| Cash dividends to net income (ytd only)* | 96.6559% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 2,536 |
| Loan loss allowance to noncurrent loans | 37.1384% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 2.2306% | 1,088 |
| Noncurrent loans to loans | 4.0048% | 463 |
| Net loans and leases to total assets | 52.6497% | 4,725 |
| Net loans and leases to deposits | 61.8119% | 4,740 |
| Net loans and leases to core deposits | 71.7110% | 4,157 |
| Total domestic deposits to total assets | 85.1773% | 3,215 |
| Equity capital to assets | 12.0691% | 1,972 |
| Core capital (leverage) ratio | 10.7559% | 2,664 |
| Tier 1 risk-based capital ratio | 16.0873% | 2,921 |
| Total risk-based capital ratio | 17.2836% | 2,889 |
| Memoranda: | ||
| Average total assets | $274,812,400 | 2,322 |
| Average earning assets | $254,283,400 | 2,314 |
| Average equity | $31,610,400 | 2,185 |
| Average total loans | $143,688,000 | 2,654 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3454% | 2,438 |
| Cost of funding earning assets | 0.3445% | 4,402 |
| Net interest margin | 4.0009% | 1,875 |
| Noninterest income to average assets | 1.0406% | 1,130 |
| Noninterest expense to average assets | 3.5327% | 1,404 |
| Loan and lease loss provision to assets | 0.1292% | 1,943 |
| Net operating income to assets | 1.0807% | 2,107 |
| Return on assets (ROA) | 1.0922% | 2,130 |
| Pretax return on assets | 1.0922% | 3,218 |
| Return on Equity (ROE) | 9.6102% | 2,398 |
| Retained earnings to average equity (ytd only) | 2.6094% | 4,733 |
| Net charge-offs to loans | -0.4952% | 6,459 |
| Credit loss provision to net charge-offs | -50.1873% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4891% | 2,739 |
| Assets per employee ($millions) | 3.4707% | 4,915 |
| Cash dividends to net income (ytd only)* | 72.8480% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 1,806 |
| Loan loss allowance to noncurrent loans | 71.9712% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.4496% | 2,131 |
| Noncurrent loans to loans | 2.4407% | 1,214 |
| Net loans and leases to total assets | 52.3411% | 4,771 |
| Net loans and leases to deposits | 60.9133% | 4,857 |
| Net loans and leases to core deposits | 72.4286% | 4,110 |
| Total domestic deposits to total assets | 85.9273% | 2,880 |
| Equity capital to assets | 12.1433% | 1,952 |
| Core capital (leverage) ratio | 11.1656% | 2,344 |
| Tier 1 risk-based capital ratio | 16.5225% | 2,809 |
| Total risk-based capital ratio | 17.7745% | 2,757 |
| Memoranda: | ||
| Average total assets | $276,493,250 | 2,320 |
| Average earning assets | $255,834,750 | 2,314 |
| Average equity | $31,424,000 | 2,203 |
| Average total loans | $143,790,250 | 2,677 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 1,950 |
| Cost of funding earning assets | 0.3424% | 4,513 |
| Net interest margin | 4.1218% | 1,447 |
| Noninterest income to average assets | 1.0223% | 1,141 |
| Noninterest expense to average assets | 4.1389% | 641 |
| Loan and lease loss provision to assets | 0.1513% | 1,630 |
| Net operating income to assets | 0.5086% | 4,775 |
| Return on assets (ROA) | 0.5291% | 4,785 |
| Pretax return on assets | 0.5291% | 5,195 |
| Return on Equity (ROE) | 4.9433% | 4,702 |
| Retained earnings to average equity (ytd only) | -3.8412% | 6,164 |
| Net charge-offs to loans | -0.8253% | 6,560 |
| Credit loss provision to net charge-offs | -32.5368% | 5,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2487% | 1,252 |
| Assets per employee ($millions) | 3.9285% | 4,001 |
| Cash dividends to net income (ytd only)* | 177.7060% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8223% | 1,784 |
| Loan loss allowance to noncurrent loans | 92.5430% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.3426% | 2,442 |
| Noncurrent loans to loans | 1.9692% | 1,717 |
| Net loans and leases to total assets | 56.2498% | 4,252 |
| Net loans and leases to deposits | 64.5950% | 4,429 |
| Net loans and leases to core deposits | 78.2797% | 3,406 |
| Total domestic deposits to total assets | 87.0806% | 2,414 |
| Equity capital to assets | 10.7570% | 3,139 |
| Core capital (leverage) ratio | 9.7505% | 3,963 |
| Tier 1 risk-based capital ratio | 14.3203% | 4,052 |
| Total risk-based capital ratio | 15.5738% | 3,981 |
| Memoranda: | ||
| Average total assets | $233,975,330 | 2,690 |
| Average earning assets | $214,373,330 | 2,690 |
| Average equity | $25,044,000 | 2,658 |
| Average total loans | $131,830,670 | 2,842 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 1,932 |
| Cost of funding earning assets | 0.3315% | 4,726 |
| Net interest margin | 4.1292% | 1,393 |
| Noninterest income to average assets | 0.9886% | 1,154 |
| Noninterest expense to average assets | 2.7804% | 3,638 |
| Loan and lease loss provision to assets | 0.1480% | 1,642 |
| Net operating income to assets | 1.8326% | 456 |
| Return on assets (ROA) | 1.8735% | 443 |
| Pretax return on assets | 1.8735% | 687 |
| Return on Equity (ROE) | 17.5462% | 476 |
| Retained earnings to average equity (ytd only) | 8.7811% | 1,318 |
| Net charge-offs to loans | 0.0183% | 3,220 |
| Credit loss provision to net charge-offs | 1,450.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 194.0000% | 250 |
| Efficiency ratio | 58.3989% | 5,607 |
| Assets per employee ($millions) | 3.6146% | 4,686 |
| Cash dividends to net income (ytd only)* | 49.9546% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,790 |
| Loan loss allowance to noncurrent loans | 66.4427% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 2,581 |
| Noncurrent loans to loans | 2.0485% | 1,811 |
| Net loans and leases to total assets | 55.7640% | 4,171 |
| Net loans and leases to deposits | 65.2852% | 4,170 |
| Net loans and leases to core deposits | 79.0394% | 3,086 |
| Total domestic deposits to total assets | 85.4159% | 3,664 |
| Equity capital to assets | 11.0961% | 2,630 |
| Core capital (leverage) ratio | 10.2133% | 3,275 |
| Tier 1 risk-based capital ratio | 15.2469% | 3,582 |
| Total risk-based capital ratio | 16.3937% | 3,592 |
| Memoranda: | ||
| Average total assets | $235,071,000 | 2,691 |
| Average earning assets | $214,765,500 | 2,701 |
| Average equity | $25,099,500 | 2,634 |
| Average total loans | $131,347,000 | 2,858 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 2,242 |
| Cost of funding earning assets | 0.3431% | 5,213 |
| Net interest margin | 4.1485% | 1,507 |
| Noninterest income to average assets | 1.1634% | 1,041 |
| Noninterest expense to average assets | 2.8862% | 3,414 |
| Loan and lease loss provision to assets | 0.1366% | 2,594 |
| Net operating income to assets | 1.9394% | 370 |
| Return on assets (ROA) | 1.9394% | 376 |
| Pretax return on assets | 1.9411% | 553 |
| Return on Equity (ROE) | 17.1993% | 490 |
| Retained earnings to average equity (ytd only) | 0.7131% | 5,512 |
| Net charge-offs to loans | 0.9982% | 586 |
| Credit loss provision to net charge-offs | 24.3451% | 4,365 |
| Earnings coverage of net charge-offs (x) | 3.7026% | 3,774 |
| Efficiency ratio | 58.1432% | 5,720 |
| Assets per employee ($millions) | 3.6183% | 4,635 |
| Cash dividends to net income (ytd only)* | 95.8538% | 509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,197 |
| Loan loss allowance to noncurrent loans | 65.2458% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.3274% | 2,764 |
| Noncurrent loans to loans | 1.9740% | 2,020 |
| Net loans and leases to total assets | 54.5266% | 4,523 |
| Net loans and leases to deposits | 66.2748% | 4,270 |
| Net loans and leases to core deposits | 78.2715% | 3,321 |
| Total domestic deposits to total assets | 82.2736% | 4,776 |
| Equity capital to assets | 10.2719% | 3,421 |
| Core capital (leverage) ratio | 9.9543% | 3,637 |
| Tier 1 risk-based capital ratio | 14.1059% | 4,223 |
| Total risk-based capital ratio | 15.1431% | 4,310 |
| Memoranda: | ||
| Average total assets | $231,307,000 | 2,709 |
| Average earning assets | $211,908,000 | 2,700 |
| Average equity | $26,082,400 | 2,534 |
| Average total loans | $130,030,600 | 2,868 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,355 |
| Cost of funding earning assets | 0.3470% | 5,324 |
| Net interest margin | 4.1209% | 1,568 |
| Noninterest income to average assets | 1.1820% | 1,049 |
| Noninterest expense to average assets | 2.8226% | 3,584 |
| Loan and lease loss provision to assets | 0.1488% | 2,414 |
| Net operating income to assets | 1.9973% | 363 |
| Return on assets (ROA) | 1.9973% | 374 |
| Pretax return on assets | 1.9997% | 577 |
| Return on Equity (ROE) | 17.3119% | 510 |
| Retained earnings to average equity (ytd only) | 9.0010% | 1,053 |
| Net charge-offs to loans | -0.0391% | 6,232 |
| Credit loss provision to net charge-offs | -673.6842% | 6,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7805% | 5,826 |
| Assets per employee ($millions) | 3.7220% | 4,412 |
| Cash dividends to net income (ytd only)* | 48.0071% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2814% | 1,209 |
| Loan loss allowance to noncurrent loans | 81.7308% | 4,008 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 2,240 |
| Noncurrent loans to loans | 2.7914% | 1,497 |
| Net loans and leases to total assets | 54.3427% | 4,554 |
| Net loans and leases to deposits | 62.2384% | 4,725 |
| Net loans and leases to core deposits | 73.6036% | 3,896 |
| Total domestic deposits to total assets | 87.3136% | 2,498 |
| Equity capital to assets | 11.2112% | 2,552 |
| Core capital (leverage) ratio | 10.7370% | 2,743 |
| Tier 1 risk-based capital ratio | 15.6325% | 3,381 |
| Total risk-based capital ratio | 16.8903% | 3,340 |
| Memoranda: | ||
| Average total assets | $229,431,750 | 2,741 |
| Average earning assets | $210,952,750 | 2,727 |
| Average equity | $26,470,500 | 2,533 |
| Average total loans | $129,560,000 | 2,891 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 2,503 |
| Cost of funding earning assets | 0.3538% | 5,367 |
| Net interest margin | 4.0623% | 1,655 |
| Noninterest income to average assets | 1.1381% | 1,177 |
| Noninterest expense to average assets | 2.8857% | 3,377 |
| Loan and lease loss provision to assets | 0.1721% | 2,188 |
| Net operating income to assets | 1.7994% | 520 |
| Return on assets (ROA) | 1.7994% | 559 |
| Pretax return on assets | 1.8011% | 924 |
| Return on Equity (ROE) | 15.4461% | 742 |
| Retained earnings to average equity (ytd only) | 7.1539% | 1,820 |
| Net charge-offs to loans | -0.2692% | 6,736 |
| Credit loss provision to net charge-offs | -112.6437% | 5,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3891% | 5,559 |
| Assets per employee ($millions) | 3.8288% | 4,148 |
| Cash dividends to net income (ytd only)* | 53.6847% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3133% | 1,238 |
| Loan loss allowance to noncurrent loans | 58.3700% | 4,865 |
| Noncurrent assets plus other real estate owned to assets | 2.5409% | 1,661 |
| Noncurrent loans to loans | 3.9632% | 988 |
| Net loans and leases to total assets | 56.0827% | 4,274 |
| Net loans and leases to deposits | 65.2199% | 4,359 |
| Net loans and leases to core deposits | 77.7540% | 3,328 |
| Total domestic deposits to total assets | 85.9902% | 3,373 |
| Equity capital to assets | 11.3262% | 2,437 |
| Core capital (leverage) ratio | 10.5925% | 2,778 |
| Tier 1 risk-based capital ratio | 15.4433% | 3,511 |
| Total risk-based capital ratio | 16.7023% | 3,466 |
| Memoranda: | ||
| Average total assets | $227,746,330 | 2,772 |
| Average earning assets | $208,600,670 | 2,763 |
| Average equity | $26,531,000 | 2,534 |
| Average total loans | $129,279,330 | 2,896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,436 |
| Cost of funding earning assets | 0.3620% | 5,438 |
| Net interest margin | 4.0647% | 1,573 |
| Noninterest income to average assets | 1.1589% | 1,114 |
| Noninterest expense to average assets | 2.8312% | 3,596 |
| Loan and lease loss provision to assets | 0.2417% | 1,496 |
| Net operating income to assets | 1.8081% | 475 |
| Return on assets (ROA) | 1.8081% | 527 |
| Pretax return on assets | 1.8099% | 863 |
| Return on Equity (ROE) | 15.3059% | 697 |
| Retained earnings to average equity (ytd only) | 7.0930% | 2,113 |
| Net charge-offs to loans | -0.5470% | 6,862 |
| Credit loss provision to net charge-offs | -78.2857% | 5,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9841% | 5,856 |
| Assets per employee ($millions) | 3.6599% | 4,643 |
| Cash dividends to net income (ytd only)* | 53.6585% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3510% | 1,332 |
| Loan loss allowance to noncurrent loans | 69.6532% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.2835% | 2,040 |
| Noncurrent loans to loans | 3.3753% | 1,434 |
| Net loans and leases to total assets | 55.6833% | 4,137 |
| Net loans and leases to deposits | 64.2891% | 4,283 |
| Net loans and leases to core deposits | 77.1121% | 3,191 |
| Total domestic deposits to total assets | 86.6138% | 3,173 |
| Equity capital to assets | 12.0832% | 1,984 |
| Core capital (leverage) ratio | 10.3369% | 2,986 |
| Tier 1 risk-based capital ratio | 15.5408% | 3,507 |
| Total risk-based capital ratio | 16.8002% | 3,465 |
| Memoranda: | ||
| Average total assets | $226,757,000 | 2,808 |
| Average earning assets | $207,741,000 | 2,807 |
| Average equity | $26,787,000 | 2,539 |
| Average total loans | $127,975,500 | 2,930 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 3,054 |
| Cost of funding earning assets | 0.4189% | 5,794 |
| Net interest margin | 4.1680% | 1,751 |
| Noninterest income to average assets | 1.1337% | 1,215 |
| Noninterest expense to average assets | 3.0577% | 3,063 |
| Loan and lease loss provision to assets | 0.3917% | 1,662 |
| Net operating income to assets | 1.4644% | 982 |
| Return on assets (ROA) | 1.4644% | 1,095 |
| Pretax return on assets | 1.4649% | 1,800 |
| Return on Equity (ROE) | 12.4486% | 1,372 |
| Retained earnings to average equity (ytd only) | 0.4254% | 5,643 |
| Net charge-offs to loans | 0.6632% | 1,777 |
| Credit loss provision to net charge-offs | 107.9137% | 2,740 |
| Earnings coverage of net charge-offs (x) | 5.1151% | 3,147 |
| Efficiency ratio | 62.2210% | 5,201 |
| Assets per employee ($millions) | 3.7139% | 4,534 |
| Cash dividends to net income (ytd only)* | 96.5825% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0840% | 1,809 |
| Loan loss allowance to noncurrent loans | 46.2401% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.9136% | 1,632 |
| Noncurrent loans to loans | 4.5070% | 945 |
| Net loans and leases to total assets | 54.7042% | 4,509 |
| Net loans and leases to deposits | 65.6310% | 4,342 |
| Net loans and leases to core deposits | 78.6802% | 3,169 |
| Total domestic deposits to total assets | 83.3511% | 4,584 |
| Equity capital to assets | 11.5512% | 2,396 |
| Core capital (leverage) ratio | 9.7377% | 3,753 |
| Tier 1 risk-based capital ratio | 14.7929% | 3,837 |
| Total risk-based capital ratio | 16.0492% | 3,788 |
| Memoranda: | ||
| Average total assets | $229,782,000 | 2,724 |
| Average earning assets | $208,421,800 | 2,758 |
| Average equity | $27,031,200 | 2,479 |
| Average total loans | $125,758,000 | 2,964 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 3,199 |
| Cost of funding earning assets | 0.4334% | 5,911 |
| Net interest margin | 4.1668% | 1,844 |
| Noninterest income to average assets | 1.1135% | 1,215 |
| Noninterest expense to average assets | 3.0194% | 3,167 |
| Loan and lease loss provision to assets | 0.2740% | 2,386 |
| Net operating income to assets | 1.5907% | 863 |
| Return on assets (ROA) | 1.5907% | 962 |
| Pretax return on assets | 1.5930% | 1,601 |
| Return on Equity (ROE) | 13.4610% | 1,233 |
| Retained earnings to average equity (ytd only) | 5.3549% | 3,122 |
| Net charge-offs to loans | 0.0789% | 4,609 |
| Credit loss provision to net charge-offs | 637.8378% | 421 |
| Earnings coverage of net charge-offs (x) | 43.4613% | 827 |
| Efficiency ratio | 61.7916% | 5,188 |
| Assets per employee ($millions) | 3.8219% | 4,250 |
| Cash dividends to net income (ytd only)* | 60.2191% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3970% | 1,369 |
| Loan loss allowance to noncurrent loans | 58.5049% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 2.5043% | 2,114 |
| Noncurrent loans to loans | 4.0970% | 1,232 |
| Net loans and leases to total assets | 50.9540% | 5,193 |
| Net loans and leases to deposits | 58.5282% | 5,374 |
| Net loans and leases to core deposits | 67.5811% | 4,767 |
| Total domestic deposits to total assets | 87.0588% | 2,626 |
| Equity capital to assets | 11.6653% | 2,575 |
| Core capital (leverage) ratio | 10.0168% | 3,510 |
| Tier 1 risk-based capital ratio | 14.3470% | 4,302 |
| Total risk-based capital ratio | 15.6041% | 4,268 |
| Memoranda: | ||
| Average total assets | $229,662,000 | 2,759 |
| Average earning assets | $207,957,250 | 2,788 |
| Average equity | $27,139,500 | 2,493 |
| Average total loans | $125,036,500 | 3,015 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6692% | 3,055 |
| Cost of funding earning assets | 0.4570% | 5,924 |
| Net interest margin | 4.2121% | 1,716 |
| Noninterest income to average assets | 1.0666% | 1,260 |
| Noninterest expense to average assets | 3.0210% | 3,182 |
| Loan and lease loss provision to assets | 0.2815% | 2,327 |
| Net operating income to assets | 1.5720% | 878 |
| Return on assets (ROA) | 1.5720% | 986 |
| Pretax return on assets | 1.5738% | 1,628 |
| Return on Equity (ROE) | 13.2422% | 1,299 |
| Retained earnings to average equity (ytd only) | 5.0404% | 3,262 |
| Net charge-offs to loans | 0.1106% | 4,075 |
| Credit loss provision to net charge-offs | 460.8696% | 652 |
| Earnings coverage of net charge-offs (x) | 30.3768% | 1,058 |
| Efficiency ratio | 61.9532% | 5,256 |
| Assets per employee ($millions) | 3.7430% | 4,435 |
| Cash dividends to net income (ytd only)* | 61.9369% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2361% | 1,695 |
| Loan loss allowance to noncurrent loans | 54.6982% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.5881% | 2,144 |
| Noncurrent loans to loans | 4.0881% | 1,342 |
| Net loans and leases to total assets | 53.1006% | 4,944 |
| Net loans and leases to deposits | 60.9663% | 5,139 |
| Net loans and leases to core deposits | 70.7709% | 4,441 |
| Total domestic deposits to total assets | 87.0983% | 2,717 |
| Equity capital to assets | 11.6782% | 2,432 |
| Core capital (leverage) ratio | 10.3008% | 3,045 |
| Tier 1 risk-based capital ratio | 14.5212% | 4,089 |
| Total risk-based capital ratio | 15.7781% | 4,048 |
| Memoranda: | ||
| Average total assets | $225,955,330 | 2,806 |
| Average earning assets | $204,361,670 | 2,828 |
| Average equity | $26,823,330 | 2,498 |
| Average total loans | $124,815,000 | 3,030 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 2,891 |
| Cost of funding earning assets | 0.4773% | 5,964 |
| Net interest margin | 4.2623% | 1,582 |
| Noninterest income to average assets | 1.0261% | 1,358 |
| Noninterest expense to average assets | 3.0222% | 3,174 |
| Loan and lease loss provision to assets | 0.3022% | 2,077 |
| Net operating income to assets | 1.5781% | 897 |
| Return on assets (ROA) | 1.5781% | 1,004 |
| Pretax return on assets | 1.5799% | 1,635 |
| Return on Equity (ROE) | 13.1792% | 1,359 |
| Retained earnings to average equity (ytd only) | 4.8666% | 3,635 |
| Net charge-offs to loans | 0.1851% | 2,997 |
| Credit loss provision to net charge-offs | 292.9825% | 1,007 |
| Earnings coverage of net charge-offs (x) | 18.2456% | 1,277 |
| Efficiency ratio | 61.6236% | 5,349 |
| Assets per employee ($millions) | 3.3694% | 5,407 |
| Cash dividends to net income (ytd only)* | 63.0734% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2153% | 1,851 |
| Loan loss allowance to noncurrent loans | 51.1161% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 2.8291% | 2,070 |
| Noncurrent loans to loans | 4.3339% | 1,375 |
| Net loans and leases to total assets | 54.9207% | 4,568 |
| Net loans and leases to deposits | 65.1852% | 4,465 |
| Net loans and leases to core deposits | 77.1668% | 3,444 |
| Total domestic deposits to total assets | 84.2534% | 4,376 |
| Equity capital to assets | 12.2002% | 1,915 |
| Core capital (leverage) ratio | 10.3899% | 2,887 |
| Tier 1 risk-based capital ratio | 15.9032% | 3,221 |
| Total risk-based capital ratio | 17.1608% | 3,189 |
| Memoranda: | ||
| Average total assets | $221,029,500 | 2,880 |
| Average earning assets | $201,111,000 | 2,884 |
| Average equity | $26,466,000 | 2,529 |
| Average total loans | $123,183,000 | 3,080 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8145% | 3,740 |
| Cost of funding earning assets | 0.6179% | 5,994 |
| Net interest margin | 4.1966% | 2,070 |
| Noninterest income to average assets | 1.2000% | 921 |
| Noninterest expense to average assets | 3.0259% | 3,496 |
| Loan and lease loss provision to assets | 0.4760% | 2,223 |
| Net operating income to assets | 1.5653% | 723 |
| Return on assets (ROA) | 1.6057% | 712 |
| Pretax return on assets | 1.6057% | 1,183 |
| Return on Equity (ROE) | 13.6980% | 1,018 |
| Retained earnings to average equity (ytd only) | 1.2221% | 5,279 |
| Net charge-offs to loans | 0.8584% | 2,022 |
| Credit loss provision to net charge-offs | 99.3377% | 3,598 |
| Earnings coverage of net charge-offs (x) | 4.2602% | 3,194 |
| Efficiency ratio | 59.7155% | 5,800 |
| Assets per employee ($millions) | 3.3291% | 5,435 |
| Cash dividends to net income (ytd only)* | 91.0785% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1417% | 1,912 |
| Loan loss allowance to noncurrent loans | 51.8955% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 2.6187% | 2,322 |
| Noncurrent loans to loans | 4.1270% | 1,498 |
| Net loans and leases to total assets | 54.1213% | 5,020 |
| Net loans and leases to deposits | 65.9027% | 4,747 |
| Net loans and leases to core deposits | 77.3543% | 3,769 |
| Total domestic deposits to total assets | 82.1231% | 5,088 |
| Equity capital to assets | 11.7518% | 2,306 |
| Core capital (leverage) ratio | 9.8892% | 3,471 |
| Tier 1 risk-based capital ratio | 15.3189% | 3,440 |
| Total risk-based capital ratio | 16.5759% | 3,389 |
| Memoranda: | ||
| Average total assets | $220,592,400 | 2,832 |
| Average earning assets | $203,281,600 | 2,810 |
| Average equity | $25,857,800 | 2,492 |
| Average total loans | $123,131,600 | 3,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8333% | 3,865 |
| Cost of funding earning assets | 0.6415% | 6,081 |
| Net interest margin | 4.1918% | 2,135 |
| Noninterest income to average assets | 1.1467% | 1,000 |
| Noninterest expense to average assets | 2.9378% | 3,784 |
| Loan and lease loss provision to assets | 0.4079% | 2,424 |
| Net operating income to assets | 1.6680% | 678 |
| Return on assets (ROA) | 1.7038% | 684 |
| Pretax return on assets | 1.7062% | 1,134 |
| Return on Equity (ROE) | 14.5441% | 936 |
| Retained earnings to average equity (ytd only) | 6.0070% | 2,552 |
| Net charge-offs to loans | 0.6944% | 2,178 |
| Credit loss provision to net charge-offs | 104.9922% | 3,171 |
| Earnings coverage of net charge-offs (x) | 5.3494% | 2,812 |
| Efficiency ratio | 58.5669% | 5,923 |
| Assets per employee ($millions) | 3.4424% | 5,138 |
| Cash dividends to net income (ytd only)* | 58.6980% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1802% | 1,902 |
| Loan loss allowance to noncurrent loans | 59.2094% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2134% | 2,882 |
| Noncurrent loans to loans | 3.6822% | 1,854 |
| Net loans and leases to total assets | 52.1531% | 5,427 |
| Net loans and leases to deposits | 70.5208% | 4,213 |
| Net loans and leases to core deposits | 85.9040% | 2,783 |
| Total domestic deposits to total assets | 73.9542% | 6,767 |
| Equity capital to assets | 11.7675% | 2,439 |
| Core capital (leverage) ratio | 10.0968% | 3,311 |
| Tier 1 risk-based capital ratio | 15.6884% | 3,285 |
| Total risk-based capital ratio | 16.9454% | 3,242 |
| Memoranda: | ||
| Average total assets | $219,978,750 | 2,840 |
| Average earning assets | $203,059,750 | 2,818 |
| Average equity | $25,769,250 | 2,503 |
| Average total loans | $123,075,000 | 3,145 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8621% | 3,800 |
| Cost of funding earning assets | 0.6642% | 6,149 |
| Net interest margin | 4.1979% | 2,043 |
| Noninterest income to average assets | 1.2226% | 846 |
| Noninterest expense to average assets | 2.9627% | 3,784 |
| Loan and lease loss provision to assets | 0.4122% | 2,373 |
| Net operating income to assets | 1.7346% | 560 |
| Return on assets (ROA) | 1.7346% | 605 |
| Pretax return on assets | 1.7373% | 979 |
| Return on Equity (ROE) | 14.8309% | 830 |
| Retained earnings to average equity (ytd only) | 6.1394% | 2,337 |
| Net charge-offs to loans | 0.3525% | 3,144 |
| Credit loss provision to net charge-offs | 205.5300% | 1,467 |
| Earnings coverage of net charge-offs (x) | 10.7189% | 1,775 |
| Efficiency ratio | 57.9537% | 6,169 |
| Assets per employee ($millions) | 3.2542% | 5,516 |
| Cash dividends to net income (ytd only)* | 58.6042% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3969% | 1,597 |
| Loan loss allowance to noncurrent loans | 56.2000% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.5868% | 2,573 |
| Noncurrent loans to loans | 4.2649% | 1,588 |
| Net loans and leases to total assets | 53.7515% | 5,331 |
| Net loans and leases to deposits | 64.9744% | 5,158 |
| Net loans and leases to core deposits | 78.4622% | 3,999 |
| Total domestic deposits to total assets | 82.7272% | 4,893 |
| Equity capital to assets | 11.9240% | 2,147 |
| Core capital (leverage) ratio | 10.5381% | 2,676 |
| Tier 1 risk-based capital ratio | 16.4682% | 2,761 |
| Total risk-based capital ratio | 17.7278% | 2,713 |
| Memoranda: | ||
| Average total assets | $216,423,670 | 2,897 |
| Average earning assets | $200,530,000 | 2,865 |
| Average equity | $25,312,000 | 2,526 |
| Average total loans | $123,110,330 | 3,167 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8918% | 3,632 |
| Cost of funding earning assets | 0.6850% | 6,223 |
| Net interest margin | 4.2069% | 1,873 |
| Noninterest income to average assets | 1.3246% | 733 |
| Noninterest expense to average assets | 2.9385% | 3,902 |
| Loan and lease loss provision to assets | 0.4118% | 2,131 |
| Net operating income to assets | 1.9126% | 394 |
| Return on assets (ROA) | 1.9126% | 420 |
| Pretax return on assets | 1.9163% | 656 |
| Return on Equity (ROE) | 16.5165% | 623 |
| Retained earnings to average equity (ytd only) | 7.7056% | 1,838 |
| Net charge-offs to loans | 0.0931% | 4,008 |
| Credit loss provision to net charge-offs | 765.5172% | 491 |
| Earnings coverage of net charge-offs (x) | 43.2759% | 649 |
| Efficiency ratio | 55.7943% | 6,521 |
| Assets per employee ($millions) | 3.2414% | 5,609 |
| Cash dividends to net income (ytd only)* | 53.3463% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3265% | 1,721 |
| Loan loss allowance to noncurrent loans | 51.4575% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.8247% | 2,443 |
| Noncurrent loans to loans | 4.5213% | 1,544 |
| Net loans and leases to total assets | 55.7719% | 5,030 |
| Net loans and leases to deposits | 67.6307% | 4,721 |
| Net loans and leases to core deposits | 81.9689% | 3,459 |
| Total domestic deposits to total assets | 82.4655% | 5,122 |
| Equity capital to assets | 11.8262% | 2,024 |
| Core capital (leverage) ratio | 10.3352% | 2,772 |
| Tier 1 risk-based capital ratio | 16.1657% | 2,827 |
| Total risk-based capital ratio | 17.4253% | 2,786 |
| Memoranda: | ||
| Average total assets | $215,620,000 | 2,927 |
| Average earning assets | $202,050,500 | 2,868 |
| Average equity | $24,969,000 | 2,549 |
| Average total loans | $124,629,000 | 3,165 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2974% | 3,141 |
| Cost of funding earning assets | 0.7812% | 6,641 |
| Net interest margin | 4.5162% | 1,195 |
| Noninterest income to average assets | 1.0040% | 1,490 |
| Noninterest expense to average assets | 2.9998% | 3,850 |
| Loan and lease loss provision to assets | 0.6079% | 2,702 |
| Net operating income to assets | 1.6376% | 585 |
| Return on assets (ROA) | 1.6381% | 629 |
| Pretax return on assets | 1.6385% | 1,055 |
| Return on Equity (ROE) | 13.7767% | 933 |
| Retained earnings to average equity (ytd only) | 1.7422% | 4,637 |
| Net charge-offs to loans | 0.8813% | 2,430 |
| Credit loss provision to net charge-offs | 115.0442% | 3,768 |
| Earnings coverage of net charge-offs (x) | 4.2504% | 3,000 |
| Efficiency ratio | 57.1849% | 6,437 |
| Assets per employee ($millions) | 3.2925% | 5,446 |
| Cash dividends to net income (ytd only)* | 87.3537% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0842% | 2,105 |
| Loan loss allowance to noncurrent loans | 49.2013% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 2.7288% | 2,558 |
| Noncurrent loans to loans | 4.2360% | 1,714 |
| Net loans and leases to total assets | 57.2703% | 5,144 |
| Net loans and leases to deposits | 78.5658% | 3,416 |
| Net loans and leases to core deposits | 87.1428% | 3,163 |
| Total domestic deposits to total assets | 72.8947% | 7,005 |
| Equity capital to assets | 11.3378% | 2,387 |
| Core capital (leverage) ratio | 10.2298% | 2,830 |
| Tier 1 risk-based capital ratio | 15.8878% | 2,800 |
| Total risk-based capital ratio | 17.1460% | 2,758 |
| Memoranda: | ||
| Average total assets | $213,848,000 | 2,939 |
| Average earning assets | $200,854,000 | 2,868 |
| Average equity | $25,427,000 | 2,510 |
| Average total loans | $128,223,200 | 3,156 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 3,662 |
| Cost of funding earning assets | 0.8067% | 6,743 |
| Net interest margin | 4.4281% | 1,435 |
| Noninterest income to average assets | 1.0085% | 1,444 |
| Noninterest expense to average assets | 3.1075% | 3,304 |
| Loan and lease loss provision to assets | 0.4839% | 3,056 |
| Net operating income to assets | 1.5657% | 795 |
| Return on assets (ROA) | 1.5663% | 870 |
| Pretax return on assets | 1.5719% | 1,414 |
| Return on Equity (ROE) | 13.0186% | 1,244 |
| Retained earnings to average equity (ytd only) | 4.3812% | 3,411 |
| Net charge-offs to loans | 0.6205% | 2,884 |
| Credit loss provision to net charge-offs | 129.2642% | 3,135 |
| Earnings coverage of net charge-offs (x) | 5.4900% | 2,735 |
| Efficiency ratio | 60.1916% | 5,918 |
| Assets per employee ($millions) | 3.2512% | 5,575 |
| Cash dividends to net income (ytd only)* | 66.3469% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1047% | 1,988 |
| Loan loss allowance to noncurrent loans | 54.3741% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.4872% | 2,885 |
| Noncurrent loans to loans | 3.8709% | 1,966 |
| Net loans and leases to total assets | 57.5278% | 5,332 |
| Net loans and leases to deposits | 73.9484% | 4,518 |
| Net loans and leases to core deposits | 78.7438% | 4,709 |
| Total domestic deposits to total assets | 77.7946% | 6,295 |
| Equity capital to assets | 12.2958% | 1,976 |
| Core capital (leverage) ratio | 10.4543% | 2,737 |
| Tier 1 risk-based capital ratio | 16.6117% | 2,509 |
| Total risk-based capital ratio | 17.8701% | 2,459 |
| Memoranda: | ||
| Average total assets | $212,983,000 | 3,003 |
| Average earning assets | $199,809,250 | 2,923 |
| Average equity | $25,624,250 | 2,527 |
| Average total loans | $128,503,500 | 3,191 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2852% | 3,536 |
| Cost of funding earning assets | 0.8390% | 6,788 |
| Net interest margin | 4.4462% | 1,327 |
| Noninterest income to average assets | 1.0073% | 1,364 |
| Noninterest expense to average assets | 3.0558% | 3,495 |
| Loan and lease loss provision to assets | 0.5140% | 2,744 |
| Net operating income to assets | 1.6126% | 712 |
| Return on assets (ROA) | 1.6135% | 764 |
| Pretax return on assets | 1.6192% | 1,251 |
| Return on Equity (ROE) | 13.5115% | 1,140 |
| Retained earnings to average equity (ytd only) | 4.7613% | 3,035 |
| Net charge-offs to loans | 0.8012% | 2,241 |
| Credit loss provision to net charge-offs | 105.4054% | 3,863 |
| Earnings coverage of net charge-offs (x) | 4.3726% | 2,970 |
| Efficiency ratio | 58.9004% | 6,243 |
| Assets per employee ($millions) | 3.4314% | 5,093 |
| Cash dividends to net income (ytd only)* | 64.7608% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9868% | 2,220 |
| Loan loss allowance to noncurrent loans | 63.1327% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 3,568 |
| Noncurrent loans to loans | 3.1470% | 2,546 |
| Net loans and leases to total assets | 55.4497% | 5,792 |
| Net loans and leases to deposits | 67.3241% | 5,642 |
| Net loans and leases to core deposits | 71.4166% | 5,732 |
| Total domestic deposits to total assets | 82.3624% | 4,845 |
| Equity capital to assets | 11.5656% | 2,388 |
| Core capital (leverage) ratio | 10.3877% | 2,727 |
| Tier 1 risk-based capital ratio | 15.7869% | 2,760 |
| Total risk-based capital ratio | 17.0434% | 2,727 |
| Memoranda: | ||
| Average total assets | $212,451,330 | 3,027 |
| Average earning assets | $199,764,670 | 2,955 |
| Average equity | $25,371,000 | 2,553 |
| Average total loans | $129,306,000 | 3,209 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3307% | 3,389 |
| Cost of funding earning assets | 0.8864% | 6,820 |
| Net interest margin | 4.4443% | 1,262 |
| Noninterest income to average assets | 1.0118% | 1,257 |
| Noninterest expense to average assets | 3.0450% | 3,497 |
| Loan and lease loss provision to assets | 0.4287% | 2,815 |
| Net operating income to assets | 1.6837% | 636 |
| Return on assets (ROA) | 1.6837% | 688 |
| Pretax return on assets | 1.6915% | 1,075 |
| Return on Equity (ROE) | 13.8641% | 1,078 |
| Retained earnings to average equity (ytd only) | 5.1195% | 3,089 |
| Net charge-offs to loans | 0.1223% | 4,236 |
| Credit loss provision to net charge-offs | 555.0000% | 779 |
| Earnings coverage of net charge-offs (x) | 27.4500% | 929 |
| Efficiency ratio | 58.9533% | 6,347 |
| Assets per employee ($millions) | 3.1855% | 5,800 |
| Cash dividends to net income (ytd only)* | 63.0734% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,057 |
| Loan loss allowance to noncurrent loans | 74.5587% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8643% | 3,682 |
| Noncurrent loans to loans | 2.7506% | 2,899 |
| Net loans and leases to total assets | 59.5469% | 5,194 |
| Net loans and leases to deposits | 73.2838% | 4,859 |
| Net loans and leases to core deposits | 79.0942% | 4,881 |
| Total domestic deposits to total assets | 81.2552% | 5,364 |
| Equity capital to assets | 11.9318% | 2,079 |
| Core capital (leverage) ratio | 10.8065% | 2,366 |
| Tier 1 risk-based capital ratio | 16.5665% | 2,424 |
| Total risk-based capital ratio | 17.8254% | 2,370 |
| Memoranda: | ||
| Average total assets | $207,157,000 | 3,129 |
| Average earning assets | $193,595,000 | 3,081 |
| Average equity | $25,158,500 | 2,598 |
| Average total loans | $130,868,000 | 3,246 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7773% | 2,754 |
| Cost of funding earning assets | 1.1590% | 6,797 |
| Net interest margin | 4.6183% | 948 |
| Noninterest income to average assets | 1.0056% | 1,553 |
| Noninterest expense to average assets | 3.1994% | 3,378 |
| Loan and lease loss provision to assets | 0.4361% | 4,212 |
| Net operating income to assets | 1.6924% | 452 |
| Return on assets (ROA) | 1.7060% | 462 |
| Pretax return on assets | 1.7070% | 766 |
| Return on Equity (ROE) | 13.9815% | 786 |
| Retained earnings to average equity (ytd only) | 0.7380% | 4,492 |
| Net charge-offs to loans | 0.1183% | 5,990 |
| Credit loss provision to net charge-offs | 570.7006% | 524 |
| Earnings coverage of net charge-offs (x) | 27.8662% | 817 |
| Efficiency ratio | 60.0384% | 6,486 |
| Assets per employee ($millions) | 2.9983% | 6,232 |
| Cash dividends to net income (ytd only)* | 94.7218% | 740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8783% | 2,319 |
| Loan loss allowance to noncurrent loans | 68.4428% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 2.6493% | 2,653 |
| Noncurrent loans to loans | 2.7443% | 2,817 |
| Net loans and leases to total assets | 64.4676% | 4,498 |
| Net loans and leases to deposits | 78.6332% | 4,251 |
| Net loans and leases to core deposits | 91.9597% | 4,892 |
| Total domestic deposits to total assets | 81.9851% | 4,953 |
| Equity capital to assets | 12.3708% | 1,811 |
| Core capital (leverage) ratio | 10.7811% | 2,360 |
| Tier 1 risk-based capital ratio | 15.4134% | 2,752 |
| Total risk-based capital ratio | 16.6697% | 2,703 |
| Memoranda: | ||
| Average total assets | $205,447,200 | 3,113 |
| Average earning assets | $192,320,800 | 3,067 |
| Average equity | $25,068,800 | 2,604 |
| Average total loans | $132,658,600 | 3,218 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7978% | 2,908 |
| Cost of funding earning assets | 1.2106% | 6,857 |
| Net interest margin | 4.5872% | 1,007 |
| Noninterest income to average assets | 0.9958% | 1,621 |
| Noninterest expense to average assets | 3.0966% | 3,660 |
| Loan and lease loss provision to assets | 0.4085% | 3,874 |
| Net operating income to assets | 1.7931% | 450 |
| Return on assets (ROA) | 1.8110% | 465 |
| Pretax return on assets | 1.8252% | 764 |
| Return on Equity (ROE) | 14.8915% | 786 |
| Retained earnings to average equity (ytd only) | 2.1547% | 4,122 |
| Net charge-offs to loans | 0.0763% | 5,922 |
| Credit loss provision to net charge-offs | 832.8947% | 463 |
| Earnings coverage of net charge-offs (x) | 45.1714% | 689 |
| Efficiency ratio | 58.2918% | 6,680 |
| Assets per employee ($millions) | 2.9795% | 6,218 |
| Cash dividends to net income (ytd only)* | 85.5310% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7324% | 2,513 |
| Loan loss allowance to noncurrent loans | 156.6849% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 4,013 |
| Noncurrent loans to loans | 1.1056% | 5,103 |
| Net loans and leases to total assets | 65.2692% | 4,586 |
| Net loans and leases to deposits | 82.2538% | 3,969 |
| Net loans and leases to core deposits | 97.7846% | 4,632 |
| Total domestic deposits to total assets | 79.3510% | 5,678 |
| Equity capital to assets | 12.6771% | 1,844 |
| Core capital (leverage) ratio | 10.8506% | 2,526 |
| Tier 1 risk-based capital ratio | 16.4110% | 2,468 |
| Total risk-based capital ratio | 17.6671% | 2,404 |
| Memoranda: | ||
| Average total assets | $206,588,000 | 3,116 |
| Average earning assets | $194,389,250 | 3,066 |
| Average equity | $25,123,250 | 2,625 |
| Average total loans | $132,827,250 | 3,245 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7659% | 3,216 |
| Cost of funding earning assets | 1.2922% | 6,833 |
| Net interest margin | 4.4737% | 1,232 |
| Noninterest income to average assets | 1.0177% | 1,532 |
| Noninterest expense to average assets | 3.1286% | 3,586 |
| Loan and lease loss provision to assets | 0.2671% | 4,449 |
| Net operating income to assets | 1.8039% | 460 |
| Return on assets (ROA) | 1.8305% | 473 |
| Pretax return on assets | 1.8448% | 780 |
| Return on Equity (ROE) | 15.2582% | 786 |
| Retained earnings to average equity (ytd only) | 2.4898% | 3,951 |
| Net charge-offs to loans | 0.0361% | 5,957 |
| Credit loss provision to net charge-offs | 1,162.5000% | 430 |
| Earnings coverage of net charge-offs (x) | 90.7500% | 424 |
| Efficiency ratio | 60.0073% | 6,552 |
| Assets per employee ($millions) | 3.2140% | 5,552 |
| Cash dividends to net income (ytd only)* | 83.6820% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4810% | 3,303 |
| Loan loss allowance to noncurrent loans | 124.2991% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 3,869 |
| Noncurrent loans to loans | 1.1915% | 4,838 |
| Net loans and leases to total assets | 63.5268% | 5,075 |
| Net loans and leases to deposits | 76.4928% | 5,097 |
| Net loans and leases to core deposits | 88.9324% | 5,639 |
| Total domestic deposits to total assets | 83.0494% | 4,213 |
| Equity capital to assets | 11.8914% | 2,265 |
| Core capital (leverage) ratio | 10.5623% | 2,759 |
| Tier 1 risk-based capital ratio | 15.7972% | 2,693 |
| Total risk-based capital ratio | 17.0496% | 2,633 |
| Memoranda: | ||
| Average total assets | $208,908,330 | 3,120 |
| Average earning assets | $195,946,000 | 3,061 |
| Average equity | $25,062,000 | 2,633 |
| Average total loans | $132,905,670 | 3,287 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8563% | 3,011 |
| Cost of funding earning assets | 1.3939% | 6,756 |
| Net interest margin | 4.4624% | 1,205 |
| Noninterest income to average assets | 1.0205% | 1,427 |
| Noninterest expense to average assets | 3.0463% | 3,569 |
| Loan and lease loss provision to assets | 0.2451% | 4,019 |
| Net operating income to assets | 1.8841% | 452 |
| Return on assets (ROA) | 1.8841% | 501 |
| Pretax return on assets | 1.8975% | 803 |
| Return on Equity (ROE) | 15.6364% | 878 |
| Retained earnings to average equity (ytd only) | 2.9239% | 4,242 |
| Net charge-offs to loans | 0.0576% | 4,664 |
| Credit loss provision to net charge-offs | 673.6842% | 864 |
| Earnings coverage of net charge-offs (x) | 58.8947% | 654 |
| Efficiency ratio | 58.7085% | 6,588 |
| Assets per employee ($millions) | 3.1373% | 5,784 |
| Cash dividends to net income (ytd only)* | 81.3008% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 3,555 |
| Loan loss allowance to noncurrent loans | 141.5773% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 3,841 |
| Noncurrent loans to loans | 0.9821% | 5,030 |
| Net loans and leases to total assets | 61.4656% | 5,420 |
| Net loans and leases to deposits | 74.8459% | 5,368 |
| Net loans and leases to core deposits | 89.1731% | 5,631 |
| Total domestic deposits to total assets | 82.1228% | 4,500 |
| Equity capital to assets | 11.8295% | 2,364 |
| Core capital (leverage) ratio | 10.6866% | 2,754 |
| Tier 1 risk-based capital ratio | 14.4152% | 3,351 |
| Total risk-based capital ratio | 15.6423% | 3,291 |
| Memoranda: | ||
| Average total assets | $208,909,000 | 3,127 |
| Average earning assets | $195,141,500 | 3,083 |
| Average equity | $25,172,000 | 2,634 |
| Average total loans | $132,005,000 | 3,320 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5498% | 2,719 |
| Cost of funding earning assets | 1.9077% | 6,708 |
| Net interest margin | 4.6421% | 1,071 |
| Noninterest income to average assets | 1.3279% | 825 |
| Noninterest expense to average assets | 3.2827% | 3,023 |
| Loan and lease loss provision to assets | 0.2932% | 4,040 |
| Net operating income to assets | 2.0477% | 319 |
| Return on assets (ROA) | 2.0968% | 277 |
| Pretax return on assets | 2.1190% | 468 |
| Return on Equity (ROE) | 16.7843% | 662 |
| Retained earnings to average equity (ytd only) | 0.5260% | 4,921 |
| Net charge-offs to loans | 0.1479% | 4,728 |
| Credit loss provision to net charge-offs | 327.6836% | 1,381 |
| Earnings coverage of net charge-offs (x) | 26.4068% | 1,290 |
| Efficiency ratio | 58.1483% | 6,674 |
| Assets per employee ($millions) | 3.0519% | 5,927 |
| Cash dividends to net income (ytd only)* | 96.8660% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 3,606 |
| Loan loss allowance to noncurrent loans | 114.7001% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 3,035 |
| Noncurrent loans to loans | 1.1577% | 4,214 |
| Net loans and leases to total assets | 63.2295% | 5,414 |
| Net loans and leases to deposits | 81.0404% | 4,863 |
| Net loans and leases to core deposits | 97.1419% | 5,136 |
| Total domestic deposits to total assets | 78.0222% | 5,706 |
| Equity capital to assets | 12.2785% | 2,123 |
| Core capital (leverage) ratio | 10.9812% | 2,604 |
| Tier 1 risk-based capital ratio | 15.5480% | 2,828 |
| Total risk-based capital ratio | 16.7982% | 2,760 |
| Memoranda: | ||
| Average total assets | $197,827,600 | 3,168 |
| Average earning assets | $183,990,200 | 3,137 |
| Average equity | $24,713,600 | 2,666 |
| Average total loans | $119,645,800 | 3,467 |