Home > Prairie State Bank and Trust > Performance and Condition Ratios
Prairie State Bank and Trust, 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 | 4.2222% | 4,149 |
| Cost of funding earning assets | 0.9632% | 4,056 |
| Net interest margin | 3.2590% | 2,591 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 2.5862% | 2,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.9995% | 2,062 |
| Return on assets (ROA) | 0.9995% | 2,053 |
| Pretax return on assets | 1.0413% | 2,419 |
| Return on Equity (ROE) | 8.2100% | 2,693 |
| Retained earnings to average equity (ytd only) | 1.1177% | 3,648 |
| Net charge-offs to loans | -0.0062% | 3,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 71.3752% | 1,839 |
| Assets per employee ($millions) | 5.8735% | 2,972 |
| Cash dividends to net income (ytd only)* | 86.3874% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 2,851 |
| Loan loss allowance to noncurrent loans | 488.4917% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,717 |
| Noncurrent loans to loans | 0.2187% | 2,635 |
| Net loans and leases to total assets | 67.4300% | 2,211 |
| Net loans and leases to deposits | 77.6310% | 2,319 |
| Net loans and leases to core deposits | 84.4952% | 2,475 |
| Total domestic deposits to total assets | 86.8600% | 1,918 |
| Equity capital to assets | 12.5315% | 1,017 |
| Core capital (leverage) ratio | 12.3046% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $783,469,200 | 1,238 |
| Average earning assets | $750,836,200 | 1,208 |
| Average equity | $95,373,600 | 1,058 |
| Average total loans | $514,344,800 | 1,268 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1396% | 4,203 |
| Cost of funding earning assets | 0.9112% | 4,115 |
| Net interest margin | 3.2284% | 2,621 |
| Noninterest income to average assets | 0.4600% | 2,078 |
| Noninterest expense to average assets | 2.5555% | 2,079 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.9452% | 2,230 |
| Return on assets (ROA) | 0.9452% | 2,242 |
| Pretax return on assets | 1.0011% | 2,546 |
| Return on Equity (ROE) | 7.8200% | 2,811 |
| Retained earnings to average equity (ytd only) | -0.2593% | 4,049 |
| Net charge-offs to loans | -0.0078% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 71.9553% | 1,791 |
| Assets per employee ($millions) | 5.9497% | 2,907 |
| Cash dividends to net income (ytd only)* | 103.3160% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 2,841 |
| Loan loss allowance to noncurrent loans | 471.8013% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 2,699 |
| Noncurrent loans to loans | 0.2297% | 2,618 |
| Net loans and leases to total assets | 65.6500% | 2,360 |
| Net loans and leases to deposits | 76.0223% | 2,523 |
| Net loans and leases to core deposits | 82.6940% | 2,648 |
| Total domestic deposits to total assets | 86.3500% | 1,812 |
| Equity capital to assets | 12.2104% | 1,203 |
| Core capital (leverage) ratio | 11.9262% | 1,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $786,979,250 | 1,228 |
| Average earning assets | $753,964,500 | 1,197 |
| Average equity | $95,111,750 | 1,055 |
| Average total loans | $511,820,750 | 1,265 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9984% | 4,288 |
| Cost of funding earning assets | 0.8512% | 4,150 |
| Net interest margin | 3.1472% | 2,750 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5421% | 2,120 |
| Loan and lease loss provision to assets | -0.0200% | 4,221 |
| Net operating income to assets | 0.8595% | 2,421 |
| Return on assets (ROA) | 0.8595% | 2,435 |
| Pretax return on assets | 0.9089% | 2,745 |
| Return on Equity (ROE) | 7.1400% | 2,962 |
| Retained earnings to average equity (ytd only) | 0.0400% | 3,827 |
| Net charge-offs to loans | -0.0318% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 74.1028% | 1,634 |
| Assets per employee ($millions) | 5.9018% | 2,876 |
| Cash dividends to net income (ytd only)* | 99.4400% | 384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 2,766 |
| Loan loss allowance to noncurrent loans | 511.8613% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 2,743 |
| Noncurrent loans to loans | 0.2159% | 2,622 |
| Net loans and leases to total assets | 62.5500% | 2,698 |
| Net loans and leases to deposits | 71.7563% | 2,855 |
| Net loans and leases to core deposits | 77.5535% | 2,943 |
| Total domestic deposits to total assets | 87.1800% | 1,585 |
| Equity capital to assets | 11.8823% | 1,204 |
| Core capital (leverage) ratio | 12.1435% | 1,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $789,503,333 | 1,229 |
| Average earning assets | $755,898,333 | 1,191 |
| Average equity | $95,092,667 | 1,044 |
| Average total loans | $510,006,000 | 1,271 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,324 |
| Cost of funding earning assets | 0.7786% | 4,189 |
| Net interest margin | 3.1202% | 2,745 |
| Noninterest income to average assets | 0.3900% | 2,363 |
| Noninterest expense to average assets | 2.5790% | 2,024 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | 0.8144% | 2,501 |
| Return on assets (ROA) | 0.8144% | 2,518 |
| Pretax return on assets | 0.8450% | 2,815 |
| Return on Equity (ROE) | 6.7100% | 3,028 |
| Retained earnings to average equity (ytd only) | -3.3870% | 4,032 |
| Net charge-offs to loans | -0.0720% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 76.3691% | 1,513 |
| Assets per employee ($millions) | 5.7491% | 3,039 |
| Cash dividends to net income (ytd only)* | 150.4391% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 2,758 |
| Loan loss allowance to noncurrent loans | 519.8332% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1401% | 2,698 |
| Noncurrent loans to loans | 0.2139% | 2,566 |
| Net loans and leases to total assets | 64.7600% | 2,394 |
| Net loans and leases to deposits | 74.5095% | 2,553 |
| Net loans and leases to core deposits | 79.9765% | 2,730 |
| Total domestic deposits to total assets | 86.9100% | 1,811 |
| Equity capital to assets | 12.2731% | 1,049 |
| Core capital (leverage) ratio | 12.1852% | 1,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $782,930,500 | 1,235 |
| Average earning assets | $750,590,000 | 1,202 |
| Average equity | $94,952,500 | 1,043 |
| Average total loans | $511,156,500 | 1,262 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 4,355 |
| Cost of funding earning assets | 0.3752% | 4,310 |
| Net interest margin | 3.2115% | 2,850 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.3560% | 2,706 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.1685% | 1,730 |
| Return on assets (ROA) | 1.1685% | 1,703 |
| Pretax return on assets | 1.2230% | 2,085 |
| Return on Equity (ROE) | 10.1800% | 2,446 |
| Retained earnings to average equity (ytd only) | 3.3424% | 3,184 |
| Net charge-offs to loans | 0.0712% | 1,140 |
| Credit loss provision to net charge-offs | 96.8927% | 1,877 |
| Earnings coverage of net charge-offs (x) | 28.9633% | 1,657 |
| Efficiency ratio | 65.0343% | 2,475 |
| Assets per employee ($millions) | 6.0724% | 2,760 |
| Cash dividends to net income (ytd only)* | 67.1601% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0819% | 2,921 |
| Loan loss allowance to noncurrent loans | 432.5869% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,447 |
| Noncurrent loans to loans | 0.2501% | 2,300 |
| Net loans and leases to total assets | 64.3900% | 2,426 |
| Net loans and leases to deposits | 77.1341% | 2,346 |
| Net loans and leases to core deposits | 81.8894% | 2,591 |
| Total domestic deposits to total assets | 83.4800% | 2,757 |
| Equity capital to assets | 11.9871% | 1,125 |
| Core capital (leverage) ratio | 12.0576% | 1,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $809,414,400 | 1,167 |
| Average earning assets | $777,238,200 | 1,136 |
| Average equity | $92,928,400 | 1,002 |
| Average total loans | $496,870,000 | 1,240 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 4,371 |
| Cost of funding earning assets | 0.3057% | 4,356 |
| Net interest margin | 3.2177% | 2,876 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.3199% | 2,728 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.0935% | 2,079 |
| Return on assets (ROA) | 1.0935% | 2,061 |
| Pretax return on assets | 1.1737% | 2,355 |
| Return on Equity (ROE) | 9.6300% | 2,755 |
| Retained earnings to average equity (ytd only) | 0.4549% | 4,049 |
| Net charge-offs to loans | 0.0797% | 924 |
| Credit loss provision to net charge-offs | 95.5782% | 1,660 |
| Earnings coverage of net charge-offs (x) | 25.3401% | 1,688 |
| Efficiency ratio | 65.4997% | 2,333 |
| Assets per employee ($millions) | 5.9395% | 2,810 |
| Cash dividends to net income (ytd only)* | 95.2752% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 2,842 |
| Loan loss allowance to noncurrent loans | 521.4153% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,663 |
| Noncurrent loans to loans | 0.2120% | 2,499 |
| Net loans and leases to total assets | 62.9500% | 2,565 |
| Net loans and leases to deposits | 73.1689% | 2,635 |
| Net loans and leases to core deposits | 76.5594% | 2,827 |
| Total domestic deposits to total assets | 86.0400% | 2,178 |
| Equity capital to assets | 11.6301% | 1,145 |
| Core capital (leverage) ratio | 11.5839% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $812,898,250 | 1,165 |
| Average earning assets | $780,662,250 | 1,129 |
| Average equity | $92,321,750 | 1,005 |
| Average total loans | $491,635,250 | 1,244 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,387 |
| Cost of funding earning assets | 0.2656% | 4,363 |
| Net interest margin | 3.1860% | 3,026 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.2569% | 2,931 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0672% | 2,217 |
| Return on assets (ROA) | 1.0672% | 2,215 |
| Pretax return on assets | 1.1501% | 2,510 |
| Return on Equity (ROE) | 9.4700% | 2,842 |
| Retained earnings to average equity (ytd only) | 1.0841% | 3,896 |
| Net charge-offs to loans | 0.1245% | 587 |
| Credit loss provision to net charge-offs | 93.0693% | 1,491 |
| Earnings coverage of net charge-offs (x) | 16.5347% | 1,827 |
| Efficiency ratio | 64.8347% | 2,394 |
| Assets per employee ($millions) | 5.9389% | 2,765 |
| Cash dividends to net income (ytd only)* | 88.5531% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1436% | 2,739 |
| Loan loss allowance to noncurrent loans | 105.7889% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 797 |
| Noncurrent loans to loans | 1.0811% | 673 |
| Net loans and leases to total assets | 60.7400% | 2,700 |
| Net loans and leases to deposits | 69.6304% | 2,813 |
| Net loans and leases to core deposits | 72.7607% | 2,972 |
| Total domestic deposits to total assets | 87.2300% | 1,854 |
| Equity capital to assets | 11.6545% | 1,152 |
| Core capital (leverage) ratio | 11.5465% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $818,566,667 | 1,158 |
| Average earning assets | $786,133,667 | 1,118 |
| Average equity | $92,241,333 | 999 |
| Average total loans | $486,629,667 | 1,241 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3928% | 4,376 |
| Cost of funding earning assets | 0.2082% | 4,365 |
| Net interest margin | 3.1846% | 3,148 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.2194% | 3,046 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.9707% | 2,623 |
| Return on assets (ROA) | 0.9707% | 2,585 |
| Pretax return on assets | 1.0632% | 2,820 |
| Return on Equity (ROE) | 8.7600% | 3,117 |
| Retained earnings to average equity (ytd only) | -2.2525% | 4,219 |
| Net charge-offs to loans | 0.2793% | 278 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 7.5074% | 1,753 |
| Efficiency ratio | 64.4056% | 2,403 |
| Assets per employee ($millions) | 6.1857% | 2,597 |
| Cash dividends to net income (ytd only)* | 125.7200% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1593% | 2,770 |
| Loan loss allowance to noncurrent loans | 479.3339% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1459% | 2,494 |
| Noncurrent loans to loans | 0.2418% | 2,289 |
| Net loans and leases to total assets | 58.6100% | 2,809 |
| Net loans and leases to deposits | 66.5940% | 2,888 |
| Net loans and leases to core deposits | 69.4122% | 2,991 |
| Total domestic deposits to total assets | 88.0100% | 1,922 |
| Equity capital to assets | 11.2344% | 1,254 |
| Core capital (leverage) ratio | 10.9094% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $829,944,500 | 1,168 |
| Average earning assets | $797,214,000 | 1,117 |
| Average equity | $91,988,000 | 1,013 |
| Average total loans | $485,464,000 | 1,258 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9914% | 4,141 |
| Cost of funding earning assets | 0.1436% | 4,157 |
| Net interest margin | 2.8477% | 3,797 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 2.0701% | 3,385 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1921% | 1,805 |
| Return on assets (ROA) | 1.1921% | 1,736 |
| Pretax return on assets | 1.2508% | 2,276 |
| Return on Equity (ROE) | 11.5300% | 2,294 |
| Retained earnings to average equity (ytd only) | 4.4612% | 3,248 |
| Net charge-offs to loans | -0.0266% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.6162% | 2,685 |
| Assets per employee ($millions) | 6.4876% | 2,345 |
| Cash dividends to net income (ytd only)* | 61.3176% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,628 |
| Loan loss allowance to noncurrent loans | 388.3126% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 2,331 |
| Noncurrent loans to loans | 0.2971% | 2,078 |
| Net loans and leases to total assets | 57.0500% | 2,912 |
| Net loans and leases to deposits | 64.2917% | 3,018 |
| Net loans and leases to core deposits | 67.1696% | 3,058 |
| Total domestic deposits to total assets | 88.7300% | 1,803 |
| Equity capital to assets | 10.9376% | 1,284 |
| Core capital (leverage) ratio | 10.6763% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $862,036,600 | 1,122 |
| Average earning assets | $829,357,600 | 1,076 |
| Average equity | $89,100,600 | 1,044 |
| Average total loans | $481,888,600 | 1,207 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8749% | 4,090 |
| Cost of funding earning assets | 0.1445% | 3,897 |
| Net interest margin | 2.7304% | 3,870 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.0665% | 3,302 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.1199% | 2,004 |
| Return on assets (ROA) | 1.1199% | 1,973 |
| Pretax return on assets | 1.1715% | 2,487 |
| Return on Equity (ROE) | 10.9900% | 2,383 |
| Retained earnings to average equity (ytd only) | 1.4780% | 4,144 |
| Net charge-offs to loans | -0.0341% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1959% | 2,517 |
| Assets per employee ($millions) | 6.7862% | 2,107 |
| Cash dividends to net income (ytd only)* | 86.5522% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 2,738 |
| Loan loss allowance to noncurrent loans | 382.7539% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,442 |
| Noncurrent loans to loans | 0.3033% | 2,154 |
| Net loans and leases to total assets | 55.0400% | 2,999 |
| Net loans and leases to deposits | 61.7171% | 3,037 |
| Net loans and leases to core deposits | 64.4849% | 3,071 |
| Total domestic deposits to total assets | 89.1700% | 2,020 |
| Equity capital to assets | 10.2747% | 1,477 |
| Core capital (leverage) ratio | 10.1196% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $866,700,250 | 1,122 |
| Average earning assets | $835,156,500 | 1,074 |
| Average equity | $88,314,250 | 1,065 |
| Average total loans | $480,675,000 | 1,209 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7454% | 4,076 |
| Cost of funding earning assets | 0.1491% | 3,586 |
| Net interest margin | 2.5963% | 3,921 |
| Noninterest income to average assets | 0.5905% | 1,784 |
| Noninterest expense to average assets | 2.0973% | 3,153 |
| Loan and lease loss provision to assets | -0.0053% | 4,380 |
| Net operating income to assets | 0.9468% | 2,373 |
| Return on assets (ROA) | 0.9468% | 2,348 |
| Pretax return on assets | 1.0034% | 2,720 |
| Return on Equity (ROE) | 9.3179% | 2,593 |
| Retained earnings to average equity (ytd only) | 1.1659% | 3,954 |
| Net charge-offs to loans | -0.0096% | 3,579 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7559% | 2,275 |
| Assets per employee ($millions) | 6.1303% | 2,630 |
| Cash dividends to net income (ytd only)* | 87.4878% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 2,844 |
| Loan loss allowance to noncurrent loans | 453.5541% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1422% | 2,729 |
| Noncurrent loans to loans | 0.2582% | 2,444 |
| Net loans and leases to total assets | 54.4440% | 2,916 |
| Net loans and leases to deposits | 61.0586% | 2,970 |
| Net loans and leases to core deposits | 63.8747% | 2,984 |
| Total domestic deposits to total assets | 89.1668% | 2,104 |
| Equity capital to assets | 10.1992% | 1,589 |
| Core capital (leverage) ratio | 10.0774% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $866,054,667 | 1,119 |
| Average earning assets | $835,568,000 | 1,079 |
| Average equity | $88,002,333 | 1,074 |
| Average total loans | $479,675,667 | 1,209 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6258% | 4,078 |
| Cost of funding earning assets | 0.1595% | 3,385 |
| Net interest margin | 2.4663% | 3,963 |
| Noninterest income to average assets | 0.4681% | 2,311 |
| Noninterest expense to average assets | 2.1796% | 2,896 |
| Loan and lease loss provision to assets | 0.0005% | 2,283 |
| Net operating income to assets | 0.6080% | 3,371 |
| Return on assets (ROA) | 0.6080% | 3,350 |
| Pretax return on assets | 0.6728% | 3,470 |
| Return on Equity (ROE) | 5.9946% | 3,348 |
| Retained earnings to average equity (ytd only) | -6.0175% | 4,457 |
| Net charge-offs to loans | 0.0008% | 1,814 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 1,454.0000% | 51 |
| Efficiency ratio | 76.3999% | 1,474 |
| Assets per employee ($millions) | 6.2327% | 2,609 |
| Cash dividends to net income (ytd only)* | 200.3808% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,985 |
| Loan loss allowance to noncurrent loans | 382.7539% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,627 |
| Noncurrent loans to loans | 0.3072% | 2,358 |
| Net loans and leases to total assets | 53.6963% | 2,799 |
| Net loans and leases to deposits | 60.3607% | 2,870 |
| Net loans and leases to core deposits | 63.1378% | 2,874 |
| Total domestic deposits to total assets | 88.9590% | 2,102 |
| Equity capital to assets | 9.8944% | 1,977 |
| Core capital (leverage) ratio | 9.9414% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $863,833,000 | 1,122 |
| Average earning assets | $835,257,000 | 1,081 |
| Average equity | $87,611,500 | 1,110 |
| Average total loans | $479,739,000 | 1,198 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1669% | 3,544 |
| Cost of funding earning assets | 0.1869% | 3,582 |
| Net interest margin | 2.9799% | 3,251 |
| Noninterest income to average assets | 0.9450% | 1,102 |
| Noninterest expense to average assets | 2.2901% | 2,824 |
| Loan and lease loss provision to assets | -0.0199% | 4,223 |
| Net operating income to assets | 1.5136% | 982 |
| Return on assets (ROA) | 1.5136% | 1,022 |
| Pretax return on assets | 1.5510% | 1,566 |
| Return on Equity (ROE) | 14.6139% | 1,045 |
| Retained earnings to average equity (ytd only) | 5.5845% | 2,526 |
| Net charge-offs to loans | -0.0328% | 4,160 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9309% | 3,158 |
| Assets per employee ($millions) | 5.8949% | 2,866 |
| Cash dividends to net income (ytd only)* | 61.7868% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,054 |
| Loan loss allowance to noncurrent loans | 343.4251% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 2,600 |
| Noncurrent loans to loans | 0.3392% | 2,363 |
| Net loans and leases to total assets | 56.1178% | 2,594 |
| Net loans and leases to deposits | 63.3763% | 2,746 |
| Net loans and leases to core deposits | 65.9734% | 2,823 |
| Total domestic deposits to total assets | 88.5470% | 1,765 |
| Equity capital to assets | 10.3987% | 2,266 |
| Core capital (leverage) ratio | 10.3564% | 2,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $818,617,600 | 1,137 |
| Average earning assets | $790,118,600 | 1,101 |
| Average equity | $84,789,000 | 1,151 |
| Average total loans | $497,096,200 | 1,171 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2524% | 3,507 |
| Cost of funding earning assets | 0.1954% | 3,650 |
| Net interest margin | 3.0570% | 3,157 |
| Noninterest income to average assets | 0.8169% | 1,473 |
| Noninterest expense to average assets | 2.3289% | 2,657 |
| Loan and lease loss provision to assets | -0.0307% | 4,394 |
| Net operating income to assets | 1.4501% | 1,397 |
| Return on assets (ROA) | 1.4501% | 1,457 |
| Pretax return on assets | 1.4687% | 2,086 |
| Return on Equity (ROE) | 14.0148% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.8510% | 4,232 |
| Net charge-offs to loans | -0.0498% | 4,352 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8268% | 2,728 |
| Assets per employee ($millions) | 5.6403% | 3,052 |
| Cash dividends to net income (ytd only)* | 86.7929% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1514% | 3,201 |
| Loan loss allowance to noncurrent loans | 306.6630% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 2,437 |
| Noncurrent loans to loans | 0.3755% | 2,432 |
| Net loans and leases to total assets | 57.7469% | 2,529 |
| Net loans and leases to deposits | 65.2856% | 2,699 |
| Net loans and leases to core deposits | 68.0317% | 2,772 |
| Total domestic deposits to total assets | 88.4528% | 1,596 |
| Equity capital to assets | 10.1467% | 2,763 |
| Core capital (leverage) ratio | 10.0891% | 2,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $811,057,250 | 1,150 |
| Average earning assets | $782,655,250 | 1,122 |
| Average equity | $83,918,750 | 1,178 |
| Average total loans | $500,876,250 | 1,178 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 3,614 |
| Cost of funding earning assets | 0.2048% | 3,699 |
| Net interest margin | 3.0253% | 3,259 |
| Noninterest income to average assets | 0.8138% | 1,501 |
| Noninterest expense to average assets | 2.3567% | 2,598 |
| Loan and lease loss provision to assets | -0.0431% | 4,501 |
| Net operating income to assets | 1.3987% | 1,570 |
| Return on assets (ROA) | 1.3987% | 1,639 |
| Pretax return on assets | 1.4172% | 2,280 |
| Return on Equity (ROE) | 13.4285% | 1,588 |
| Retained earnings to average equity (ytd only) | 2.0177% | 4,108 |
| Net charge-offs to loans | -0.0685% | 4,496 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1691% | 2,543 |
| Assets per employee ($millions) | 5.7017% | 2,896 |
| Cash dividends to net income (ytd only)* | 84.9742% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 3,409 |
| Loan loss allowance to noncurrent loans | 312.4652% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 2,605 |
| Noncurrent loans to loans | 0.3524% | 2,642 |
| Net loans and leases to total assets | 60.9928% | 2,308 |
| Net loans and leases to deposits | 68.9895% | 2,517 |
| Net loans and leases to core deposits | 72.2283% | 2,586 |
| Total domestic deposits to total assets | 88.4088% | 1,615 |
| Equity capital to assets | 10.2062% | 2,663 |
| Core capital (leverage) ratio | 10.1697% | 2,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $803,155,333 | 1,154 |
| Average earning assets | $774,402,667 | 1,127 |
| Average equity | $83,658,000 | 1,176 |
| Average total loans | $505,280,000 | 1,174 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2372% | 3,616 |
| Cost of funding earning assets | 0.2184% | 3,740 |
| Net interest margin | 3.0188% | 3,208 |
| Noninterest income to average assets | 0.8542% | 1,452 |
| Noninterest expense to average assets | 2.4227% | 2,425 |
| Loan and lease loss provision to assets | -0.0081% | 4,572 |
| Net operating income to assets | 1.3268% | 1,740 |
| Return on assets (ROA) | 1.3268% | 1,827 |
| Pretax return on assets | 1.3465% | 2,440 |
| Return on Equity (ROE) | 12.6055% | 1,788 |
| Retained earnings to average equity (ytd only) | -2.2954% | 4,558 |
| Net charge-offs to loans | -0.0127% | 3,777 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4134% | 2,418 |
| Assets per employee ($millions) | 5.3917% | 3,231 |
| Cash dividends to net income (ytd only)* | 118.2095% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,357 |
| Loan loss allowance to noncurrent loans | 260.6778% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.3151% | 2,566 |
| Noncurrent loans to loans | 0.4277% | 2,581 |
| Net loans and leases to total assets | 60.7709% | 2,434 |
| Net loans and leases to deposits | 68.6072% | 2,637 |
| Net loans and leases to core deposits | 71.9882% | 2,703 |
| Total domestic deposits to total assets | 88.5780% | 1,568 |
| Equity capital to assets | 10.1348% | 2,573 |
| Core capital (leverage) ratio | 10.4322% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $791,358,500 | 1,157 |
| Average earning assets | $762,025,000 | 1,121 |
| Average equity | $83,297,000 | 1,168 |
| Average total loans | $502,984,000 | 1,183 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 3,287 |
| Cost of funding earning assets | 0.3142% | 4,062 |
| Net interest margin | 3.4902% | 2,504 |
| Noninterest income to average assets | 0.8735% | 1,340 |
| Noninterest expense to average assets | 2.6611% | 2,355 |
| Loan and lease loss provision to assets | 0.1292% | 2,744 |
| Net operating income to assets | 1.4011% | 1,017 |
| Return on assets (ROA) | 1.4011% | 1,105 |
| Pretax return on assets | 1.4231% | 1,587 |
| Return on Equity (ROE) | 12.5547% | 1,163 |
| Retained earnings to average equity (ytd only) | 3.4791% | 3,091 |
| Net charge-offs to loans | 0.0885% | 1,574 |
| Credit loss provision to net charge-offs | 205.6645% | 2,136 |
| Earnings coverage of net charge-offs (x) | 24.7015% | 1,767 |
| Efficiency ratio | 63.1584% | 2,949 |
| Assets per employee ($millions) | 5.6117% | 2,730 |
| Cash dividends to net income (ytd only)* | 72.2885% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,380 |
| Loan loss allowance to noncurrent loans | 325.8851% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 2,878 |
| Noncurrent loans to loans | 0.3430% | 2,978 |
| Net loans and leases to total assets | 65.0827% | 2,216 |
| Net loans and leases to deposits | 74.0595% | 2,475 |
| Net loans and leases to core deposits | 78.5524% | 2,502 |
| Total domestic deposits to total assets | 87.8790% | 1,543 |
| Equity capital to assets | 10.9457% | 2,304 |
| Core capital (leverage) ratio | 10.8349% | 1,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $730,402,400 | 1,133 |
| Average earning assets | $698,949,400 | 1,105 |
| Average equity | $81,515,600 | 1,140 |
| Average total loans | $518,923,400 | 1,106 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 3,395 |
| Cost of funding earning assets | 0.3295% | 4,158 |
| Net interest margin | 3.5266% | 2,497 |
| Noninterest income to average assets | 0.9565% | 1,106 |
| Noninterest expense to average assets | 2.7083% | 2,234 |
| Loan and lease loss provision to assets | 0.1063% | 2,987 |
| Net operating income to assets | 1.4917% | 927 |
| Return on assets (ROA) | 1.4917% | 1,007 |
| Pretax return on assets | 1.5124% | 1,426 |
| Return on Equity (ROE) | 13.2984% | 1,032 |
| Retained earnings to average equity (ytd only) | 1.1225% | 4,215 |
| Net charge-offs to loans | 0.0974% | 1,334 |
| Credit loss provision to net charge-offs | 150.7853% | 2,321 |
| Earnings coverage of net charge-offs (x) | 22.9529% | 1,815 |
| Efficiency ratio | 62.5907% | 2,974 |
| Assets per employee ($millions) | 5.1668% | 3,051 |
| Cash dividends to net income (ytd only)* | 91.5594% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,696 |
| Loan loss allowance to noncurrent loans | 280.2105% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.3024% | 2,943 |
| Noncurrent loans to loans | 0.3577% | 3,009 |
| Net loans and leases to total assets | 68.3071% | 2,194 |
| Net loans and leases to deposits | 77.4100% | 2,602 |
| Net loans and leases to core deposits | 82.2727% | 2,644 |
| Total domestic deposits to total assets | 88.2406% | 1,092 |
| Equity capital to assets | 10.5710% | 2,726 |
| Core capital (leverage) ratio | 10.6439% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $722,206,500 | 1,129 |
| Average earning assets | $690,237,500 | 1,101 |
| Average equity | $81,010,500 | 1,135 |
| Average total loans | $523,075,000 | 1,090 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9733% | 3,393 |
| Cost of funding earning assets | 0.3480% | 4,278 |
| Net interest margin | 3.6254% | 2,398 |
| Noninterest income to average assets | 0.8778% | 1,219 |
| Noninterest expense to average assets | 2.7574% | 2,195 |
| Loan and lease loss provision to assets | 0.1266% | 2,759 |
| Net operating income to assets | 1.4333% | 1,047 |
| Return on assets (ROA) | 1.4333% | 1,135 |
| Pretax return on assets | 1.4543% | 1,575 |
| Return on Equity (ROE) | 12.5163% | 1,213 |
| Retained earnings to average equity (ytd only) | 1.9336% | 3,788 |
| Net charge-offs to loans | 0.1345% | 1,041 |
| Credit loss provision to net charge-offs | 127.7143% | 2,244 |
| Earnings coverage of net charge-offs (x) | 15.9514% | 1,882 |
| Efficiency ratio | 63.5598% | 2,877 |
| Assets per employee ($millions) | 4.8546% | 3,356 |
| Cash dividends to net income (ytd only)* | 84.5516% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9687% | 3,717 |
| Loan loss allowance to noncurrent loans | 162.0775% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 2,247 |
| Noncurrent loans to loans | 0.5977% | 2,357 |
| Net loans and leases to total assets | 71.4774% | 1,800 |
| Net loans and leases to deposits | 81.2404% | 2,288 |
| Net loans and leases to core deposits | 86.4878% | 2,394 |
| Total domestic deposits to total assets | 87.9826% | 1,188 |
| Equity capital to assets | 10.8990% | 2,424 |
| Core capital (leverage) ratio | 11.0336% | 1,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $706,322,333 | 1,134 |
| Average earning assets | $674,193,333 | 1,106 |
| Average equity | $80,886,667 | 1,129 |
| Average total loans | $520,369,333 | 1,081 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1322% | 3,424 |
| Cost of funding earning assets | 0.3706% | 4,459 |
| Net interest margin | 3.7616% | 2,107 |
| Noninterest income to average assets | 0.6761% | 1,745 |
| Noninterest expense to average assets | 2.8381% | 2,313 |
| Loan and lease loss provision to assets | 0.0134% | 3,612 |
| Net operating income to assets | 1.3919% | 1,008 |
| Return on assets (ROA) | 1.3919% | 1,085 |
| Pretax return on assets | 1.4129% | 1,520 |
| Return on Equity (ROE) | 11.8428% | 1,146 |
| Retained earnings to average equity (ytd only) | -1.1019% | 4,154 |
| Net charge-offs to loans | 0.0180% | 2,013 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | 106.3043% | 554 |
| Efficiency ratio | 66.5527% | 2,881 |
| Assets per employee ($millions) | 4.5176% | 3,233 |
| Cash dividends to net income (ytd only)* | 109.3043% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,711 |
| Loan loss allowance to noncurrent loans | 427.1440% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 3,330 |
| Noncurrent loans to loans | 0.2342% | 3,651 |
| Net loans and leases to total assets | 73.9183% | 1,617 |
| Net loans and leases to deposits | 84.4031% | 2,181 |
| Net loans and leases to core deposits | 90.5249% | 2,294 |
| Total domestic deposits to total assets | 87.5778% | 1,289 |
| Equity capital to assets | 11.7198% | 2,269 |
| Core capital (leverage) ratio | 11.7045% | 1,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $685,680,000 | 1,136 |
| Average earning assets | $654,077,000 | 1,103 |
| Average equity | $80,589,000 | 1,129 |
| Average total loans | $510,755,500 | 1,082 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 3,879 |
| Cost of funding earning assets | 0.3913% | 4,469 |
| Net interest margin | 3.7809% | 2,568 |
| Noninterest income to average assets | 0.6295% | 2,096 |
| Noninterest expense to average assets | 2.6574% | 3,002 |
| Loan and lease loss provision to assets | 0.1050% | 1,970 |
| Net operating income to assets | 1.4612% | 1,155 |
| Return on assets (ROA) | 1.4612% | 1,213 |
| Pretax return on assets | 1.4788% | 1,872 |
| Return on Equity (ROE) | 12.9097% | 1,193 |
| Retained earnings to average equity (ytd only) | 2.4654% | 3,797 |
| Net charge-offs to loans | 0.1308% | 1,463 |
| Credit loss provision to net charge-offs | 108.8626% | 2,290 |
| Earnings coverage of net charge-offs (x) | 16.4239% | 2,171 |
| Efficiency ratio | 62.6566% | 3,269 |
| Assets per employee ($millions) | 4.5343% | 3,175 |
| Cash dividends to net income (ytd only)* | 80.9027% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,446 |
| Loan loss allowance to noncurrent loans | 330.9677% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 2,936 |
| Noncurrent loans to loans | 0.3046% | 3,345 |
| Net loans and leases to total assets | 73.5626% | 1,827 |
| Net loans and leases to deposits | 84.3268% | 2,299 |
| Net loans and leases to core deposits | 90.8241% | 2,342 |
| Total domestic deposits to total assets | 87.2352% | 1,496 |
| Equity capital to assets | 11.7866% | 2,292 |
| Core capital (leverage) ratio | 11.6330% | 2,012 |
| Tier 1 risk-based capital ratio | 15.9158% | 2,432 |
| Total risk-based capital ratio | 16.9433% | 2,443 |
| Memoranda: | ||
| Average total assets | $702,038,800 | 1,068 |
| Average earning assets | $670,637,800 | 1,032 |
| Average equity | $79,459,600 | 1,098 |
| Average total loans | $517,774,200 | 1,045 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 4,044 |
| Cost of funding earning assets | 0.3854% | 4,546 |
| Net interest margin | 3.7628% | 2,709 |
| Noninterest income to average assets | 0.6244% | 2,087 |
| Noninterest expense to average assets | 2.5965% | 3,174 |
| Loan and lease loss provision to assets | 0.0761% | 2,372 |
| Net operating income to assets | 1.5244% | 1,123 |
| Return on assets (ROA) | 1.5244% | 1,178 |
| Pretax return on assets | 1.5468% | 1,822 |
| Return on Equity (ROE) | 13.6043% | 1,077 |
| Retained earnings to average equity (ytd only) | 2.8250% | 3,961 |
| Net charge-offs to loans | 0.0879% | 1,591 |
| Credit loss provision to net charge-offs | 117.4927% | 1,989 |
| Earnings coverage of net charge-offs (x) | 25.0672% | 1,775 |
| Efficiency ratio | 61.5371% | 3,397 |
| Assets per employee ($millions) | 4.6167% | 3,023 |
| Cash dividends to net income (ytd only)* | 79.2348% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,616 |
| Loan loss allowance to noncurrent loans | 260.6707% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 2,615 |
| Noncurrent loans to loans | 0.3803% | 3,190 |
| Net loans and leases to total assets | 73.9807% | 1,823 |
| Net loans and leases to deposits | 85.2424% | 2,290 |
| Net loans and leases to core deposits | 92.7110% | 2,296 |
| Total domestic deposits to total assets | 86.7886% | 1,623 |
| Equity capital to assets | 11.6126% | 2,587 |
| Core capital (leverage) ratio | 11.4430% | 2,262 |
| Tier 1 risk-based capital ratio | 15.6516% | 2,581 |
| Total risk-based capital ratio | 16.6656% | 2,604 |
| Memoranda: | ||
| Average total assets | $706,379,000 | 1,062 |
| Average earning assets | $674,868,000 | 1,035 |
| Average equity | $79,149,500 | 1,095 |
| Average total loans | $520,018,500 | 1,039 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 4,185 |
| Cost of funding earning assets | 0.3763% | 4,597 |
| Net interest margin | 3.7147% | 2,890 |
| Noninterest income to average assets | 0.5640% | 2,319 |
| Noninterest expense to average assets | 2.6256% | 3,131 |
| Loan and lease loss provision to assets | 0.0433% | 2,957 |
| Net operating income to assets | 1.4247% | 1,361 |
| Return on assets (ROA) | 1.4247% | 1,414 |
| Pretax return on assets | 1.4467% | 2,047 |
| Return on Equity (ROE) | 12.8673% | 1,284 |
| Retained earnings to average equity (ytd only) | 1.4379% | 4,309 |
| Net charge-offs to loans | 0.0361% | 2,148 |
| Credit loss provision to net charge-offs | 163.8298% | 1,399 |
| Earnings coverage of net charge-offs (x) | 56.3511% | 1,023 |
| Efficiency ratio | 63.7960% | 3,163 |
| Assets per employee ($millions) | 4.9292% | 2,567 |
| Cash dividends to net income (ytd only)* | 88.8253% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 3,680 |
| Loan loss allowance to noncurrent loans | 273.1629% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 2,555 |
| Noncurrent loans to loans | 0.3622% | 3,230 |
| Net loans and leases to total assets | 72.3170% | 2,171 |
| Net loans and leases to deposits | 82.3490% | 2,690 |
| Net loans and leases to core deposits | 89.4962% | 2,637 |
| Total domestic deposits to total assets | 87.8177% | 1,188 |
| Equity capital to assets | 11.1730% | 2,890 |
| Core capital (leverage) ratio | 11.2601% | 2,368 |
| Tier 1 risk-based capital ratio | 15.3765% | 2,667 |
| Total risk-based capital ratio | 16.3866% | 2,703 |
| Memoranda: | ||
| Average total assets | $711,002,330 | 1,061 |
| Average earning assets | $679,788,330 | 1,033 |
| Average equity | $78,726,670 | 1,097 |
| Average total loans | $520,873,670 | 1,033 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 4,268 |
| Cost of funding earning assets | 0.3647% | 4,623 |
| Net interest margin | 3.6826% | 2,960 |
| Noninterest income to average assets | 0.5200% | 2,436 |
| Noninterest expense to average assets | 2.7442% | 2,763 |
| Loan and lease loss provision to assets | 0.0461% | 2,725 |
| Net operating income to assets | 1.2282% | 1,958 |
| Return on assets (ROA) | 1.2282% | 2,005 |
| Pretax return on assets | 1.2490% | 2,634 |
| Return on Equity (ROE) | 11.1428% | 1,894 |
| Retained earnings to average equity (ytd only) | -3.1057% | 4,820 |
| Net charge-offs to loans | 0.0283% | 1,893 |
| Credit loss provision to net charge-offs | 221.6216% | 989 |
| Earnings coverage of net charge-offs (x) | 62.2703% | 898 |
| Efficiency ratio | 67.9377% | 2,652 |
| Assets per employee ($millions) | 4.8844% | 2,665 |
| Cash dividends to net income (ytd only)* | 127.8719% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,777 |
| Loan loss allowance to noncurrent loans | 191.7885% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.5888% | 2,297 |
| Noncurrent loans to loans | 0.5155% | 2,765 |
| Net loans and leases to total assets | 71.8283% | 2,195 |
| Net loans and leases to deposits | 81.5055% | 2,660 |
| Net loans and leases to core deposits | 90.2236% | 2,478 |
| Total domestic deposits to total assets | 88.1269% | 1,269 |
| Equity capital to assets | 10.9564% | 2,900 |
| Core capital (leverage) ratio | 11.0683% | 2,512 |
| Tier 1 risk-based capital ratio | 15.1614% | 2,814 |
| Total risk-based capital ratio | 16.1695% | 2,838 |
| Memoranda: | ||
| Average total assets | $711,600,000 | 1,064 |
| Average earning assets | $680,064,500 | 1,035 |
| Average equity | $78,436,500 | 1,095 |
| Average total loans | $522,090,000 | 1,034 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 4,130 |
| Cost of funding earning assets | 0.3112% | 4,513 |
| Net interest margin | 3.6533% | 3,209 |
| Noninterest income to average assets | 0.6885% | 1,890 |
| Noninterest expense to average assets | 2.5222% | 3,548 |
| Loan and lease loss provision to assets | 0.1141% | 1,930 |
| Net operating income to assets | 1.5299% | 1,042 |
| Return on assets (ROA) | 1.5299% | 1,029 |
| Pretax return on assets | 1.5489% | 1,627 |
| Return on Equity (ROE) | 13.9641% | 1,052 |
| Retained earnings to average equity (ytd only) | 2.0154% | 4,351 |
| Net charge-offs to loans | 0.1529% | 1,254 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 14.5704% | 2,372 |
| Efficiency ratio | 60.2640% | 3,812 |
| Assets per employee ($millions) | 4.2520% | 3,536 |
| Cash dividends to net income (ytd only)* | 85.5669% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9623% | 3,900 |
| Loan loss allowance to noncurrent loans | 193.1429% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 2,393 |
| Noncurrent loans to loans | 0.4982% | 2,777 |
| Net loans and leases to total assets | 73.4809% | 2,015 |
| Net loans and leases to deposits | 85.1298% | 2,391 |
| Net loans and leases to core deposits | 93.7305% | 2,248 |
| Total domestic deposits to total assets | 86.3163% | 2,078 |
| Equity capital to assets | 11.0890% | 2,602 |
| Core capital (leverage) ratio | 11.2126% | 2,340 |
| Tier 1 risk-based capital ratio | 14.9814% | 2,836 |
| Total risk-based capital ratio | 15.9612% | 2,888 |
| Memoranda: | ||
| Average total assets | $709,669,800 | 1,051 |
| Average earning assets | $679,247,800 | 1,013 |
| Average equity | $77,749,600 | 1,058 |
| Average total loans | $529,687,000 | 988 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9116% | 4,184 |
| Cost of funding earning assets | 0.2996% | 4,520 |
| Net interest margin | 3.6120% | 3,326 |
| Noninterest income to average assets | 0.6917% | 1,899 |
| Noninterest expense to average assets | 2.5021% | 3,594 |
| Loan and lease loss provision to assets | 0.1064% | 1,885 |
| Net operating income to assets | 1.5224% | 1,145 |
| Return on assets (ROA) | 1.5224% | 1,140 |
| Pretax return on assets | 1.5446% | 1,749 |
| Return on Equity (ROE) | 13.9383% | 1,138 |
| Retained earnings to average equity (ytd only) | 1.3969% | 4,749 |
| Net charge-offs to loans | 0.1423% | 1,146 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 15.5229% | 2,217 |
| Efficiency ratio | 60.2479% | 3,784 |
| Assets per employee ($millions) | 4.4535% | 3,192 |
| Cash dividends to net income (ytd only)* | 89.9778% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,965 |
| Loan loss allowance to noncurrent loans | 115.3584% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7884% | 1,883 |
| Noncurrent loans to loans | 0.8376% | 2,031 |
| Net loans and leases to total assets | 73.3829% | 2,098 |
| Net loans and leases to deposits | 85.8292% | 2,388 |
| Net loans and leases to core deposits | 91.4968% | 2,526 |
| Total domestic deposits to total assets | 85.4987% | 2,398 |
| Equity capital to assets | 11.0134% | 2,651 |
| Core capital (leverage) ratio | 10.9271% | 2,650 |
| Tier 1 risk-based capital ratio | 14.8829% | 2,934 |
| Total risk-based capital ratio | 15.8657% | 2,987 |
| Memoranda: | ||
| Average total assets | $709,566,250 | 1,046 |
| Average earning assets | $679,979,000 | 1,015 |
| Average equity | $77,501,750 | 1,055 |
| Average total loans | $530,397,250 | 982 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8607% | 4,188 |
| Cost of funding earning assets | 0.2830% | 4,544 |
| Net interest margin | 3.5777% | 3,395 |
| Noninterest income to average assets | 0.6929% | 1,895 |
| Noninterest expense to average assets | 2.4801% | 3,683 |
| Loan and lease loss provision to assets | 0.0358% | 3,198 |
| Net operating income to assets | 1.5880% | 938 |
| Return on assets (ROA) | 1.5880% | 945 |
| Pretax return on assets | 1.6103% | 1,469 |
| Return on Equity (ROE) | 14.5797% | 939 |
| Retained earnings to average equity (ytd only) | 1.8128% | 4,517 |
| Net charge-offs to loans | 0.0477% | 1,932 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 46.0157% | 1,192 |
| Efficiency ratio | 60.1065% | 3,918 |
| Assets per employee ($millions) | 4.7177% | 2,799 |
| Cash dividends to net income (ytd only)* | 87.5665% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 4,120 |
| Loan loss allowance to noncurrent loans | 86.3273% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.8820% | 1,704 |
| Noncurrent loans to loans | 1.1001% | 1,603 |
| Net loans and leases to total assets | 74.2263% | 1,910 |
| Net loans and leases to deposits | 84.5511% | 2,471 |
| Net loans and leases to core deposits | 89.1793% | 2,634 |
| Total domestic deposits to total assets | 87.7886% | 1,479 |
| Equity capital to assets | 10.9317% | 2,700 |
| Core capital (leverage) ratio | 10.9305% | 2,577 |
| Tier 1 risk-based capital ratio | 14.7360% | 3,004 |
| Total risk-based capital ratio | 15.7105% | 3,044 |
| Memoranda: | ||
| Average total assets | $710,053,670 | 1,047 |
| Average earning assets | $681,382,000 | 1,016 |
| Average equity | $77,340,330 | 1,053 |
| Average total loans | $532,297,330 | 983 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 4,209 |
| Cost of funding earning assets | 0.2670% | 4,602 |
| Net interest margin | 3.5361% | 3,399 |
| Noninterest income to average assets | 0.7256% | 1,720 |
| Noninterest expense to average assets | 2.5239% | 3,576 |
| Loan and lease loss provision to assets | 0.0655% | 2,462 |
| Net operating income to assets | 1.5066% | 1,067 |
| Return on assets (ROA) | 1.5066% | 1,066 |
| Pretax return on assets | 1.5286% | 1,598 |
| Return on Equity (ROE) | 13.8570% | 1,048 |
| Retained earnings to average equity (ytd only) | -1.0484% | 4,915 |
| Net charge-offs to loans | 0.0873% | 1,287 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 24.3534% | 1,362 |
| Efficiency ratio | 61.2908% | 3,900 |
| Assets per employee ($millions) | 4.6693% | 2,899 |
| Cash dividends to net income (ytd only)* | 107.5655% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 4,191 |
| Loan loss allowance to noncurrent loans | 105.9783% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7523% | 2,067 |
| Noncurrent loans to loans | 0.9026% | 2,013 |
| Net loans and leases to total assets | 74.4575% | 1,793 |
| Net loans and leases to deposits | 84.6529% | 2,325 |
| Net loans and leases to core deposits | 89.9358% | 2,452 |
| Total domestic deposits to total assets | 87.9562% | 1,639 |
| Equity capital to assets | 10.9170% | 2,663 |
| Core capital (leverage) ratio | 10.8932% | 2,546 |
| Tier 1 risk-based capital ratio | 14.7619% | 3,004 |
| Total risk-based capital ratio | 15.7496% | 3,026 |
| Memoranda: | ||
| Average total assets | $708,892,500 | 1,057 |
| Average earning assets | $680,072,000 | 1,024 |
| Average equity | $77,073,000 | 1,065 |
| Average total loans | $531,526,000 | 991 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 4,173 |
| Cost of funding earning assets | 0.2941% | 4,199 |
| Net interest margin | 3.4698% | 3,622 |
| Noninterest income to average assets | 0.6640% | 2,121 |
| Noninterest expense to average assets | 2.4172% | 4,027 |
| Loan and lease loss provision to assets | 0.0489% | 3,247 |
| Net operating income to assets | 1.4953% | 812 |
| Return on assets (ROA) | 1.4953% | 832 |
| Pretax return on assets | 1.5138% | 1,585 |
| Return on Equity (ROE) | 13.7047% | 809 |
| Retained earnings to average equity (ytd only) | 0.5849% | 4,806 |
| Net charge-offs to loans | 0.0658% | 2,534 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | 31.9825% | 1,482 |
| Efficiency ratio | 60.7359% | 4,152 |
| Assets per employee ($millions) | 4.6583% | 2,943 |
| Cash dividends to net income (ytd only)* | 95.7321% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 4,202 |
| Loan loss allowance to noncurrent loans | 105.6470% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 2,092 |
| Noncurrent loans to loans | 0.9004% | 1,974 |
| Net loans and leases to total assets | 74.0737% | 1,907 |
| Net loans and leases to deposits | 87.0165% | 2,128 |
| Net loans and leases to core deposits | 93.2896% | 2,259 |
| Total domestic deposits to total assets | 85.1261% | 2,790 |
| Equity capital to assets | 10.8281% | 2,810 |
| Core capital (leverage) ratio | 10.9066% | 2,420 |
| Tier 1 risk-based capital ratio | 14.6170% | 3,032 |
| Total risk-based capital ratio | 15.5925% | 3,082 |
| Memoranda: | ||
| Average total assets | $702,004,200 | 1,041 |
| Average earning assets | $670,866,400 | 1,011 |
| Average equity | $76,594,400 | 1,054 |
| Average total loans | $520,951,800 | 983 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7445% | 4,198 |
| Cost of funding earning assets | 0.2922% | 4,210 |
| Net interest margin | 3.4524% | 3,671 |
| Noninterest income to average assets | 0.6747% | 2,108 |
| Noninterest expense to average assets | 2.4295% | 3,936 |
| Loan and lease loss provision to assets | 0.0290% | 3,546 |
| Net operating income to assets | 1.4881% | 920 |
| Return on assets (ROA) | 1.4881% | 937 |
| Pretax return on assets | 1.5142% | 1,723 |
| Return on Equity (ROE) | 13.6121% | 909 |
| Retained earnings to average equity (ytd only) | -0.4255% | 5,276 |
| Net charge-offs to loans | 0.0391% | 2,655 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | 53.2504% | 1,076 |
| Efficiency ratio | 61.1556% | 4,020 |
| Assets per employee ($millions) | 5.2413% | 2,185 |
| Cash dividends to net income (ytd only)* | 103.1262% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 4,303 |
| Loan loss allowance to noncurrent loans | 244.8093% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 3,402 |
| Noncurrent loans to loans | 0.3898% | 3,558 |
| Net loans and leases to total assets | 73.8169% | 1,943 |
| Net loans and leases to deposits | 85.7291% | 2,332 |
| Net loans and leases to core deposits | 91.9858% | 2,446 |
| Total domestic deposits to total assets | 86.1048% | 2,266 |
| Equity capital to assets | 10.7296% | 3,136 |
| Core capital (leverage) ratio | 10.8848% | 2,565 |
| Tier 1 risk-based capital ratio | 14.5408% | 3,159 |
| Total risk-based capital ratio | 15.5199% | 3,217 |
| Memoranda: | ||
| Average total assets | $699,326,000 | 1,052 |
| Average earning assets | $668,047,750 | 1,023 |
| Average equity | $76,449,500 | 1,061 |
| Average total loans | $517,938,250 | 992 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 4,184 |
| Cost of funding earning assets | 0.2821% | 4,265 |
| Net interest margin | 3.4308% | 3,665 |
| Noninterest income to average assets | 0.6635% | 2,155 |
| Noninterest expense to average assets | 2.4682% | 3,857 |
| Loan and lease loss provision to assets | 0.0449% | 3,092 |
| Net operating income to assets | 1.4012% | 1,067 |
| Return on assets (ROA) | 1.4012% | 1,091 |
| Pretax return on assets | 1.4274% | 1,908 |
| Return on Equity (ROE) | 12.7370% | 1,103 |
| Retained earnings to average equity (ytd only) | -0.4553% | 5,158 |
| Net charge-offs to loans | 0.0608% | 2,053 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 32.7885% | 1,404 |
| Efficiency ratio | 62.6370% | 3,878 |
| Assets per employee ($millions) | 4.7636% | 2,699 |
| Cash dividends to net income (ytd only)* | 103.5744% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 4,338 |
| Loan loss allowance to noncurrent loans | 229.6196% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.4404% | 3,353 |
| Noncurrent loans to loans | 0.4211% | 3,514 |
| Net loans and leases to total assets | 74.1562% | 1,835 |
| Net loans and leases to deposits | 87.7918% | 2,013 |
| Net loans and leases to core deposits | 94.1531% | 2,141 |
| Total domestic deposits to total assets | 84.4683% | 3,023 |
| Equity capital to assets | 10.9321% | 2,889 |
| Core capital (leverage) ratio | 10.9881% | 2,421 |
| Tier 1 risk-based capital ratio | 14.8769% | 2,983 |
| Total risk-based capital ratio | 15.8778% | 3,017 |
| Memoranda: | ||
| Average total assets | $694,830,000 | 1,057 |
| Average earning assets | $663,694,670 | 1,028 |
| Average equity | $76,438,670 | 1,064 |
| Average total loans | $513,502,000 | 995 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 4,300 |
| Cost of funding earning assets | 0.2726% | 4,327 |
| Net interest margin | 3.3698% | 3,766 |
| Noninterest income to average assets | 0.6704% | 2,089 |
| Noninterest expense to average assets | 2.5065% | 3,789 |
| Loan and lease loss provision to assets | 0.0150% | 3,369 |
| Net operating income to assets | 1.3373% | 1,145 |
| Return on assets (ROA) | 1.3373% | 1,180 |
| Pretax return on assets | 1.3639% | 2,014 |
| Return on Equity (ROE) | 12.1180% | 1,201 |
| Retained earnings to average equity (ytd only) | -3.6029% | 5,306 |
| Net charge-offs to loans | 0.0205% | 2,369 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 91.7692% | 580 |
| Efficiency ratio | 64.5099% | 3,756 |
| Assets per employee ($millions) | 4.6877% | 2,863 |
| Cash dividends to net income (ytd only)* | 129.7321% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 4,357 |
| Loan loss allowance to noncurrent loans | 270.2559% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 3,563 |
| Noncurrent loans to loans | 0.3658% | 3,779 |
| Net loans and leases to total assets | 73.1932% | 1,877 |
| Net loans and leases to deposits | 83.3236% | 2,361 |
| Net loans and leases to core deposits | 88.5177% | 2,494 |
| Total domestic deposits to total assets | 87.8421% | 1,804 |
| Equity capital to assets | 10.9601% | 2,672 |
| Core capital (leverage) ratio | 10.9953% | 2,365 |
| Tier 1 risk-based capital ratio | 15.0968% | 2,923 |
| Total risk-based capital ratio | 16.1193% | 2,959 |
| Memoranda: | ||
| Average total assets | $692,120,000 | 1,065 |
| Average earning assets | $660,328,500 | 1,029 |
| Average equity | $76,382,000 | 1,058 |
| Average total loans | $508,078,500 | 1,003 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,074 |
| Cost of funding earning assets | 0.3121% | 3,926 |
| Net interest margin | 3.4329% | 3,697 |
| Noninterest income to average assets | 0.8166% | 1,690 |
| Noninterest expense to average assets | 2.5427% | 3,867 |
| Loan and lease loss provision to assets | 0.0339% | 3,687 |
| Net operating income to assets | 1.5032% | 823 |
| Return on assets (ROA) | 1.5032% | 847 |
| Pretax return on assets | 1.5221% | 1,522 |
| Return on Equity (ROE) | 13.8249% | 803 |
| Retained earnings to average equity (ytd only) | 0.4127% | 5,155 |
| Net charge-offs to loans | 0.0759% | 2,615 |
| Credit loss provision to net charge-offs | 60.9254% | 3,229 |
| Earnings coverage of net charge-offs (x) | 27.9897% | 1,489 |
| Efficiency ratio | 62.0376% | 4,240 |
| Assets per employee ($millions) | 4.7949% | 2,657 |
| Cash dividends to net income (ytd only)* | 97.0149% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 4,273 |
| Loan loss allowance to noncurrent loans | 390.6009% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 3,395 |
| Noncurrent loans to loans | 0.2579% | 4,227 |
| Net loans and leases to total assets | 72.1573% | 2,148 |
| Net loans and leases to deposits | 82.2982% | 2,633 |
| Net loans and leases to core deposits | 87.1005% | 2,762 |
| Total domestic deposits to total assets | 87.6778% | 1,799 |
| Equity capital to assets | 11.1122% | 2,526 |
| Core capital (leverage) ratio | 10.9929% | 2,343 |
| Tier 1 risk-based capital ratio | 15.4873% | 2,752 |
| Total risk-based capital ratio | 16.5269% | 2,781 |
| Memoranda: | ||
| Average total assets | $699,760,000 | 1,022 |
| Average earning assets | $669,029,000 | 992 |
| Average equity | $76,087,600 | 1,044 |
| Average total loans | $512,813,400 | 956 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7331% | 4,134 |
| Cost of funding earning assets | 0.3179% | 3,897 |
| Net interest margin | 3.4151% | 3,799 |
| Noninterest income to average assets | 0.8099% | 1,718 |
| Noninterest expense to average assets | 2.5698% | 3,765 |
| Loan and lease loss provision to assets | 0.0370% | 3,505 |
| Net operating income to assets | 1.4520% | 973 |
| Return on assets (ROA) | 1.4520% | 1,019 |
| Pretax return on assets | 1.4729% | 1,795 |
| Return on Equity (ROE) | 13.4264% | 940 |
| Retained earnings to average equity (ytd only) | -0.9798% | 5,489 |
| Net charge-offs to loans | 0.0505% | 2,651 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | 40.7749% | 1,223 |
| Efficiency ratio | 62.9893% | 4,074 |
| Assets per employee ($millions) | 4.6257% | 2,879 |
| Cash dividends to net income (ytd only)* | 107.2979% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,199 |
| Loan loss allowance to noncurrent loans | 332.8311% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 3,596 |
| Noncurrent loans to loans | 0.3117% | 4,136 |
| Net loans and leases to total assets | 71.9324% | 2,203 |
| Net loans and leases to deposits | 82.6304% | 2,650 |
| Net loans and leases to core deposits | 87.3145% | 2,822 |
| Total domestic deposits to total assets | 87.0531% | 1,867 |
| Equity capital to assets | 10.7883% | 3,255 |
| Core capital (leverage) ratio | 10.9051% | 2,554 |
| Tier 1 risk-based capital ratio | 15.1732% | 2,966 |
| Total risk-based capital ratio | 16.2338% | 2,988 |
| Memoranda: | ||
| Average total assets | $702,083,250 | 1,024 |
| Average earning assets | $672,209,000 | 992 |
| Average equity | $75,928,000 | 1,050 |
| Average total loans | $515,193,750 | 950 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 4,163 |
| Cost of funding earning assets | 0.3250% | 3,846 |
| Net interest margin | 3.4124% | 3,845 |
| Noninterest income to average assets | 0.7513% | 1,929 |
| Noninterest expense to average assets | 2.5881% | 3,761 |
| Loan and lease loss provision to assets | 0.0510% | 3,127 |
| Net operating income to assets | 1.3623% | 1,132 |
| Return on assets (ROA) | 1.3623% | 1,205 |
| Pretax return on assets | 1.3828% | 2,088 |
| Return on Equity (ROE) | 12.5868% | 1,139 |
| Retained earnings to average equity (ytd only) | -1.4509% | 5,487 |
| Net charge-offs to loans | 0.0693% | 2,198 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | 28.1061% | 1,438 |
| Efficiency ratio | 64.3495% | 3,955 |
| Assets per employee ($millions) | 4.1857% | 3,594 |
| Cash dividends to net income (ytd only)* | 111.5272% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 4,312 |
| Loan loss allowance to noncurrent loans | 197.3204% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4755% | 3,629 |
| Noncurrent loans to loans | 0.5249% | 3,510 |
| Net loans and leases to total assets | 73.7980% | 1,879 |
| Net loans and leases to deposits | 84.1952% | 2,439 |
| Net loans and leases to core deposits | 89.3944% | 2,592 |
| Total domestic deposits to total assets | 87.6511% | 1,598 |
| Equity capital to assets | 11.0512% | 3,005 |
| Core capital (leverage) ratio | 10.8810% | 2,554 |
| Tier 1 risk-based capital ratio | 15.1945% | 2,989 |
| Total risk-based capital ratio | 16.2565% | 3,022 |
| Memoranda: | ||
| Average total assets | $701,740,000 | 1,027 |
| Average earning assets | $672,598,000 | 995 |
| Average equity | $75,952,670 | 1,053 |
| Average total loans | $516,569,000 | 947 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 4,396 |
| Cost of funding earning assets | 0.3299% | 3,847 |
| Net interest margin | 3.3492% | 4,043 |
| Noninterest income to average assets | 0.7122% | 1,979 |
| Noninterest expense to average assets | 2.5368% | 3,956 |
| Loan and lease loss provision to assets | 0.0118% | 3,533 |
| Net operating income to assets | 1.3555% | 1,125 |
| Return on assets (ROA) | 1.3555% | 1,193 |
| Pretax return on assets | 1.3747% | 1,984 |
| Return on Equity (ROE) | 12.6529% | 1,111 |
| Retained earnings to average equity (ytd only) | -4.3527% | 5,569 |
| Net charge-offs to loans | 0.0162% | 2,610 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 117.0952% | 482 |
| Efficiency ratio | 64.6594% | 4,023 |
| Assets per employee ($millions) | 4.3755% | 3,281 |
| Cash dividends to net income (ytd only)* | 134.4010% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0281% | 4,455 |
| Loan loss allowance to noncurrent loans | 158.4105% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,690 |
| Noncurrent loans to loans | 0.6490% | 3,228 |
| Net loans and leases to total assets | 72.0049% | 2,039 |
| Net loans and leases to deposits | 82.5419% | 2,479 |
| Net loans and leases to core deposits | 88.6149% | 2,500 |
| Total domestic deposits to total assets | 87.2344% | 2,082 |
| Equity capital to assets | 10.6633% | 3,300 |
| Core capital (leverage) ratio | 10.7085% | 2,715 |
| Tier 1 risk-based capital ratio | 14.9921% | 3,164 |
| Total risk-based capital ratio | 16.0438% | 3,185 |
| Memoranda: | ||
| Average total assets | $709,384,000 | 1,010 |
| Average earning assets | $680,154,000 | 976 |
| Average equity | $75,998,500 | 1,048 |
| Average total loans | $518,908,500 | 940 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8280% | 3,953 |
| Cost of funding earning assets | 0.3402% | 3,791 |
| Net interest margin | 3.4877% | 3,564 |
| Noninterest income to average assets | 0.7357% | 2,038 |
| Noninterest expense to average assets | 2.4218% | 4,460 |
| Loan and lease loss provision to assets | 0.0390% | 3,558 |
| Net operating income to assets | 1.5900% | 720 |
| Return on assets (ROA) | 1.5900% | 744 |
| Pretax return on assets | 1.6115% | 1,218 |
| Return on Equity (ROE) | 14.8907% | 703 |
| Retained earnings to average equity (ytd only) | 1.7020% | 4,757 |
| Net charge-offs to loans | 0.0517% | 3,167 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | 42.3478% | 1,124 |
| Efficiency ratio | 59.4701% | 4,976 |
| Assets per employee ($millions) | 4.1761% | 3,617 |
| Cash dividends to net income (ytd only)* | 88.5702% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 4,510 |
| Loan loss allowance to noncurrent loans | 140.8234% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 3,498 |
| Noncurrent loans to loans | 0.7211% | 3,022 |
| Net loans and leases to total assets | 72.7980% | 1,921 |
| Net loans and leases to deposits | 84.0789% | 2,350 |
| Net loans and leases to core deposits | 89.3947% | 2,459 |
| Total domestic deposits to total assets | 86.5829% | 2,335 |
| Equity capital to assets | 10.7633% | 3,060 |
| Core capital (leverage) ratio | 10.7786% | 2,623 |
| Tier 1 risk-based capital ratio | 14.9408% | 3,204 |
| Total risk-based capital ratio | 15.9775% | 3,247 |
| Memoranda: | ||
| Average total assets | $708,155,800 | 982 |
| Average earning assets | $677,457,400 | 939 |
| Average equity | $75,617,600 | 1,012 |
| Average total loans | $533,876,600 | 879 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 3,887 |
| Cost of funding earning assets | 0.3410% | 3,846 |
| Net interest margin | 3.5205% | 3,465 |
| Noninterest income to average assets | 0.7440% | 2,050 |
| Noninterest expense to average assets | 2.4467% | 4,364 |
| Loan and lease loss provision to assets | 0.0143% | 3,987 |
| Net operating income to assets | 1.6238% | 730 |
| Return on assets (ROA) | 1.6238% | 759 |
| Pretax return on assets | 1.6498% | 1,246 |
| Return on Equity (ROE) | 15.2372% | 699 |
| Retained earnings to average equity (ytd only) | 1.1420% | 5,257 |
| Net charge-offs to loans | 0.0189% | 3,561 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 116.2246% | 553 |
| Efficiency ratio | 59.5188% | 4,944 |
| Assets per employee ($millions) | 4.1608% | 3,600 |
| Cash dividends to net income (ytd only)* | 92.5049% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 4,769 |
| Loan loss allowance to noncurrent loans | 129.9191% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5825% | 3,539 |
| Noncurrent loans to loans | 0.7667% | 3,048 |
| Net loans and leases to total assets | 74.9409% | 1,561 |
| Net loans and leases to deposits | 87.7733% | 1,934 |
| Net loans and leases to core deposits | 93.1219% | 2,164 |
| Total domestic deposits to total assets | 85.3800% | 2,837 |
| Equity capital to assets | 10.7754% | 3,268 |
| Core capital (leverage) ratio | 10.6999% | 2,824 |
| Tier 1 risk-based capital ratio | 14.4682% | 3,592 |
| Total risk-based capital ratio | 15.4806% | 3,645 |
| Memoranda: | ||
| Average total assets | $707,711,750 | 987 |
| Average earning assets | $676,813,500 | 952 |
| Average equity | $75,419,000 | 1,014 |
| Average total loans | $536,816,250 | 883 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8716% | 3,795 |
| Cost of funding earning assets | 0.3395% | 3,930 |
| Net interest margin | 3.5320% | 3,371 |
| Noninterest income to average assets | 0.7281% | 2,101 |
| Noninterest expense to average assets | 2.4650% | 4,348 |
| Loan and lease loss provision to assets | 0.0195% | 3,741 |
| Net operating income to assets | 1.5947% | 749 |
| Return on assets (ROA) | 1.5947% | 777 |
| Pretax return on assets | 1.6204% | 1,275 |
| Return on Equity (ROE) | 15.0196% | 726 |
| Retained earnings to average equity (ytd only) | 1.6361% | 4,883 |
| Net charge-offs to loans | 0.0256% | 3,168 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 84.2754% | 675 |
| Efficiency ratio | 60.0508% | 4,972 |
| Assets per employee ($millions) | 4.2684% | 3,360 |
| Cash dividends to net income (ytd only)* | 89.1070% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 4,908 |
| Loan loss allowance to noncurrent loans | 149.7317% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 3,914 |
| Noncurrent loans to loans | 0.6620% | 3,493 |
| Net loans and leases to total assets | 75.1953% | 1,478 |
| Net loans and leases to deposits | 88.9573% | 1,725 |
| Net loans and leases to core deposits | 94.5017% | 1,909 |
| Total domestic deposits to total assets | 84.5296% | 3,331 |
| Equity capital to assets | 10.7543% | 3,162 |
| Core capital (leverage) ratio | 10.6465% | 2,794 |
| Tier 1 risk-based capital ratio | 14.4273% | 3,678 |
| Total risk-based capital ratio | 15.4372% | 3,748 |
| Memoranda: | ||
| Average total assets | $709,221,670 | 984 |
| Average earning assets | $678,022,000 | 952 |
| Average equity | $75,301,670 | 1,025 |
| Average total loans | $538,330,670 | 879 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 3,804 |
| Cost of funding earning assets | 0.3371% | 4,011 |
| Net interest margin | 3.5189% | 3,349 |
| Noninterest income to average assets | 0.6806% | 2,254 |
| Noninterest expense to average assets | 2.4674% | 4,378 |
| Loan and lease loss provision to assets | 0.0461% | 3,002 |
| Net operating income to assets | 1.5040% | 839 |
| Return on assets (ROA) | 1.5040% | 891 |
| Pretax return on assets | 1.5293% | 1,464 |
| Return on Equity (ROE) | 14.2564% | 832 |
| Retained earnings to average equity (ytd only) | -0.4582% | 5,465 |
| Net charge-offs to loans | 0.0607% | 2,141 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 34.1829% | 1,064 |
| Efficiency ratio | 61.0316% | 4,957 |
| Assets per employee ($millions) | 4.2855% | 3,397 |
| Cash dividends to net income (ytd only)* | 103.2138% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 5,114 |
| Loan loss allowance to noncurrent loans | 168.7997% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 4,267 |
| Noncurrent loans to loans | 0.5829% | 3,830 |
| Net loans and leases to total assets | 75.0040% | 1,357 |
| Net loans and leases to deposits | 87.0400% | 1,718 |
| Net loans and leases to core deposits | 92.5232% | 1,906 |
| Total domestic deposits to total assets | 86.1719% | 2,845 |
| Equity capital to assets | 10.5482% | 3,482 |
| Core capital (leverage) ratio | 10.5417% | 2,908 |
| Tier 1 risk-based capital ratio | 14.1654% | 3,903 |
| Total risk-based capital ratio | 15.1662% | 4,003 |
| Memoranda: | ||
| Average total assets | $711,688,000 | 972 |
| Average earning assets | $679,993,500 | 944 |
| Average equity | $75,082,000 | 1,027 |
| Average total loans | $540,049,000 | 869 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9469% | 3,939 |
| Cost of funding earning assets | 0.3429% | 4,330 |
| Net interest margin | 3.6041% | 3,402 |
| Noninterest income to average assets | 0.6488% | 2,556 |
| Noninterest expense to average assets | 2.3605% | 4,943 |
| Loan and lease loss provision to assets | 0.0324% | 3,949 |
| Net operating income to assets | 1.6833% | 595 |
| Return on assets (ROA) | 1.6833% | 620 |
| Pretax return on assets | 1.7031% | 982 |
| Return on Equity (ROE) | 16.4965% | 552 |
| Retained earnings to average equity (ytd only) | 5.0552% | 2,563 |
| Net charge-offs to loans | 0.0428% | 3,965 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 53.6130% | 876 |
| Efficiency ratio | 57.6298% | 5,500 |
| Assets per employee ($millions) | 4.0685% | 3,788 |
| Cash dividends to net income (ytd only)* | 69.3562% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 5,158 |
| Loan loss allowance to noncurrent loans | 202.1350% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 4,593 |
| Noncurrent loans to loans | 0.4846% | 4,212 |
| Net loans and leases to total assets | 75.2715% | 1,370 |
| Net loans and leases to deposits | 87.6224% | 1,778 |
| Net loans and leases to core deposits | 93.2504% | 1,971 |
| Total domestic deposits to total assets | 85.9045% | 2,896 |
| Equity capital to assets | 10.5515% | 3,416 |
| Core capital (leverage) ratio | 10.5123% | 2,931 |
| Tier 1 risk-based capital ratio | 14.3235% | 3,885 |
| Total risk-based capital ratio | 15.3390% | 3,957 |
| Memoranda: | ||
| Average total assets | $710,527,000 | 944 |
| Average earning assets | $679,589,000 | 903 |
| Average equity | $72,500,200 | 1,011 |
| Average total loans | $537,783,600 | 821 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9407% | 4,006 |
| Cost of funding earning assets | 0.3418% | 4,438 |
| Net interest margin | 3.5989% | 3,429 |
| Noninterest income to average assets | 0.6248% | 2,715 |
| Noninterest expense to average assets | 2.3427% | 4,986 |
| Loan and lease loss provision to assets | 0.0013% | 4,384 |
| Net operating income to assets | 1.7034% | 606 |
| Return on assets (ROA) | 1.7034% | 632 |
| Pretax return on assets | 1.7263% | 1,022 |
| Return on Equity (ROE) | 16.8379% | 570 |
| Retained earnings to average equity (ytd only) | 1.4438% | 5,322 |
| Net charge-offs to loans | 0.0017% | 4,659 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | 1,315.0086% | 48 |
| Efficiency ratio | 57.5554% | 5,498 |
| Assets per employee ($millions) | 4.3190% | 3,263 |
| Cash dividends to net income (ytd only)* | 91.4251% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 5,333 |
| Loan loss allowance to noncurrent loans | 193.5743% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 4,778 |
| Noncurrent loans to loans | 0.5023% | 4,424 |
| Net loans and leases to total assets | 75.3202% | 1,318 |
| Net loans and leases to deposits | 89.3970% | 1,489 |
| Net loans and leases to core deposits | 94.6558% | 1,790 |
| Total domestic deposits to total assets | 84.2537% | 3,658 |
| Equity capital to assets | 10.0756% | 4,076 |
| Core capital (leverage) ratio | 10.1452% | 3,478 |
| Tier 1 risk-based capital ratio | 13.6286% | 4,457 |
| Total risk-based capital ratio | 14.6336% | 4,550 |
| Memoranda: | ||
| Average total assets | $710,162,500 | 952 |
| Average earning assets | $679,892,250 | 910 |
| Average equity | $71,844,000 | 1,022 |
| Average total loans | $536,923,500 | 821 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,033 |
| Cost of funding earning assets | 0.3385% | 4,552 |
| Net interest margin | 3.5876% | 3,417 |
| Noninterest income to average assets | 0.5910% | 2,859 |
| Noninterest expense to average assets | 2.3421% | 5,051 |
| Loan and lease loss provision to assets | 0.0003% | 4,195 |
| Net operating income to assets | 1.6661% | 622 |
| Return on assets (ROA) | 1.6661% | 655 |
| Pretax return on assets | 1.6889% | 1,040 |
| Return on Equity (ROE) | 16.4462% | 609 |
| Retained earnings to average equity (ytd only) | 2.0247% | 4,877 |
| Net charge-offs to loans | 0.0004% | 4,371 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 5,979.0000% | 4 |
| Efficiency ratio | 58.0980% | 5,545 |
| Assets per employee ($millions) | 4.5468% | 2,853 |
| Cash dividends to net income (ytd only)* | 87.6887% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 5,415 |
| Loan loss allowance to noncurrent loans | 170.8669% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 4,633 |
| Noncurrent loans to loans | 0.5759% | 4,293 |
| Net loans and leases to total assets | 75.7029% | 1,209 |
| Net loans and leases to deposits | 89.4782% | 1,421 |
| Net loans and leases to core deposits | 94.7155% | 1,713 |
| Total domestic deposits to total assets | 84.6048% | 3,685 |
| Equity capital to assets | 10.2427% | 3,769 |
| Core capital (leverage) ratio | 10.2125% | 3,320 |
| Tier 1 risk-based capital ratio | 13.7859% | 4,402 |
| Total risk-based capital ratio | 14.8032% | 4,486 |
| Memoranda: | ||
| Average total assets | $707,896,670 | 953 |
| Average earning assets | $678,833,000 | 908 |
| Average equity | $71,712,670 | 1,013 |
| Average total loans | $534,125,330 | 819 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 4,164 |
| Cost of funding earning assets | 0.3353% | 4,688 |
| Net interest margin | 3.5454% | 3,499 |
| Noninterest income to average assets | 0.5277% | 3,212 |
| Noninterest expense to average assets | 2.3358% | 5,109 |
| Loan and lease loss provision to assets | -0.0062% | 6,384 |
| Net operating income to assets | 1.5798% | 688 |
| Return on assets (ROA) | 1.5798% | 718 |
| Pretax return on assets | 1.6018% | 1,169 |
| Return on Equity (ROE) | 15.6808% | 682 |
| Retained earnings to average equity (ytd only) | 0.1791% | 5,491 |
| Net charge-offs to loans | -0.0083% | 4,973 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4149% | 5,486 |
| Assets per employee ($millions) | 4.4729% | 3,016 |
| Cash dividends to net income (ytd only)* | 98.8580% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 5,535 |
| Loan loss allowance to noncurrent loans | 217.3842% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 5,027 |
| Noncurrent loans to loans | 0.4583% | 4,779 |
| Net loans and leases to total assets | 74.0805% | 1,251 |
| Net loans and leases to deposits | 85.4007% | 1,680 |
| Net loans and leases to core deposits | 90.0334% | 1,903 |
| Total domestic deposits to total assets | 86.7446% | 2,968 |
| Equity capital to assets | 10.0523% | 3,784 |
| Core capital (leverage) ratio | 10.1395% | 3,368 |
| Tier 1 risk-based capital ratio | 13.8162% | 4,456 |
| Total risk-based capital ratio | 14.8457% | 4,564 |
| Memoranda: | ||
| Average total assets | $709,465,500 | 955 |
| Average earning assets | $681,103,500 | 909 |
| Average equity | $71,476,000 | 1,017 |
| Average total loans | $531,775,500 | 825 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,921 |
| Cost of funding earning assets | 0.3873% | 4,778 |
| Net interest margin | 3.6633% | 3,207 |
| Noninterest income to average assets | 0.9528% | 1,516 |
| Noninterest expense to average assets | 2.3531% | 5,227 |
| Loan and lease loss provision to assets | 0.1031% | 3,074 |
| Net operating income to assets | 1.9928% | 342 |
| Return on assets (ROA) | 1.9928% | 346 |
| Pretax return on assets | 2.0137% | 457 |
| Return on Equity (ROE) | 20.2360% | 270 |
| Retained earnings to average equity (ytd only) | 7.1588% | 1,377 |
| Net charge-offs to loans | 0.0791% | 4,110 |
| Credit loss provision to net charge-offs | 176.5432% | 1,295 |
| Earnings coverage of net charge-offs (x) | 36.2395% | 1,033 |
| Efficiency ratio | 52.6426% | 6,237 |
| Assets per employee ($millions) | 4.2893% | 3,292 |
| Cash dividends to net income (ytd only)* | 64.6233% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 5,581 |
| Loan loss allowance to noncurrent loans | 291.3187% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,312 |
| Noncurrent loans to loans | 0.3425% | 5,163 |
| Net loans and leases to total assets | 74.3342% | 1,295 |
| Net loans and leases to deposits | 89.1182% | 1,332 |
| Net loans and leases to core deposits | 93.9329% | 1,608 |
| Total domestic deposits to total assets | 83.4108% | 4,394 |
| Equity capital to assets | 10.0970% | 3,642 |
| Core capital (leverage) ratio | 10.2202% | 3,266 |
| Tier 1 risk-based capital ratio | 13.8536% | 4,398 |
| Total risk-based capital ratio | 14.8864% | 4,506 |
| Memoranda: | ||
| Average total assets | $693,354,600 | 952 |
| Average earning assets | $665,676,600 | 905 |
| Average equity | $68,279,200 | 1,047 |
| Average total loans | $512,296,800 | 829 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 3,877 |
| Cost of funding earning assets | 0.3993% | 4,821 |
| Net interest margin | 3.6669% | 3,165 |
| Noninterest income to average assets | 0.9748% | 1,521 |
| Noninterest expense to average assets | 2.3256% | 5,256 |
| Loan and lease loss provision to assets | 0.0955% | 3,168 |
| Net operating income to assets | 2.0503% | 329 |
| Return on assets (ROA) | 2.0503% | 340 |
| Pretax return on assets | 2.0741% | 498 |
| Return on Equity (ROE) | 20.9565% | 243 |
| Retained earnings to average equity (ytd only) | 3.3153% | 4,318 |
| Net charge-offs to loans | 0.0820% | 3,781 |
| Credit loss provision to net charge-offs | 158.3333% | 1,491 |
| Earnings coverage of net charge-offs (x) | 35.9743% | 1,083 |
| Efficiency ratio | 51.7351% | 6,272 |
| Assets per employee ($millions) | 4.5036% | 2,881 |
| Cash dividends to net income (ytd only)* | 84.1803% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 5,738 |
| Loan loss allowance to noncurrent loans | 277.4263% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3215% | 5,445 |
| Noncurrent loans to loans | 0.3591% | 5,313 |
| Net loans and leases to total assets | 74.6128% | 1,189 |
| Net loans and leases to deposits | 87.4641% | 1,431 |
| Net loans and leases to core deposits | 92.2245% | 1,753 |
| Total domestic deposits to total assets | 85.3068% | 3,582 |
| Equity capital to assets | 9.9049% | 4,044 |
| Core capital (leverage) ratio | 9.9325% | 3,765 |
| Tier 1 risk-based capital ratio | 13.4707% | 4,776 |
| Total risk-based capital ratio | 14.4963% | 4,887 |
| Memoranda: | ||
| Average total assets | $689,760,250 | 970 |
| Average earning assets | $662,191,250 | 919 |
| Average equity | $67,484,000 | 1,066 |
| Average total loans | $507,523,750 | 834 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 3,846 |
| Cost of funding earning assets | 0.4160% | 4,797 |
| Net interest margin | 3.6538% | 3,163 |
| Noninterest income to average assets | 1.0762% | 1,322 |
| Noninterest expense to average assets | 2.3406% | 5,239 |
| Loan and lease loss provision to assets | 0.1072% | 3,003 |
| Net operating income to assets | 2.1180% | 298 |
| Return on assets (ROA) | 2.1180% | 313 |
| Pretax return on assets | 2.1418% | 468 |
| Return on Equity (ROE) | 21.7377% | 215 |
| Retained earnings to average equity (ytd only) | 4.3017% | 3,548 |
| Net charge-offs to loans | 0.1267% | 3,108 |
| Credit loss provision to net charge-offs | 115.9875% | 1,910 |
| Earnings coverage of net charge-offs (x) | 24.3229% | 1,302 |
| Efficiency ratio | 50.9979% | 6,357 |
| Assets per employee ($millions) | 3.9654% | 3,885 |
| Cash dividends to net income (ytd only)* | 80.2108% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 5,829 |
| Loan loss allowance to noncurrent loans | 200.8363% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4031% | 5,270 |
| Noncurrent loans to loans | 0.4973% | 5,022 |
| Net loans and leases to total assets | 72.8680% | 1,428 |
| Net loans and leases to deposits | 83.6820% | 1,837 |
| Net loans and leases to core deposits | 88.2387% | 2,080 |
| Total domestic deposits to total assets | 87.0773% | 2,773 |
| Equity capital to assets | 9.9150% | 4,023 |
| Core capital (leverage) ratio | 9.9771% | 3,559 |
| Tier 1 risk-based capital ratio | 13.6443% | 4,676 |
| Total risk-based capital ratio | 14.6603% | 4,787 |
| Memoranda: | ||
| Average total assets | $689,996,000 | 964 |
| Average earning assets | $663,482,000 | 911 |
| Average equity | $67,228,670 | 1,075 |
| Average total loans | $503,599,670 | 839 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 3,803 |
| Cost of funding earning assets | 0.4417% | 4,688 |
| Net interest margin | 3.6385% | 3,116 |
| Noninterest income to average assets | 1.0139% | 1,437 |
| Noninterest expense to average assets | 2.3862% | 5,165 |
| Loan and lease loss provision to assets | 0.0272% | 4,128 |
| Net operating income to assets | 2.0717% | 306 |
| Return on assets (ROA) | 2.0717% | 336 |
| Pretax return on assets | 2.0954% | 498 |
| Return on Equity (ROE) | 21.4502% | 222 |
| Retained earnings to average equity (ytd only) | 3.1361% | 4,386 |
| Net charge-offs to loans | 0.0072% | 4,008 |
| Credit loss provision to net charge-offs | 522.2222% | 511 |
| Earnings coverage of net charge-offs (x) | 408.0000% | 81 |
| Efficiency ratio | 52.9231% | 6,316 |
| Assets per employee ($millions) | 4.3267% | 3,285 |
| Cash dividends to net income (ytd only)* | 85.3795% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,009 |
| Loan loss allowance to noncurrent loans | 150.5087% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 5,102 |
| Noncurrent loans to loans | 0.6599% | 4,805 |
| Net loans and leases to total assets | 72.8854% | 1,221 |
| Net loans and leases to deposits | 82.2453% | 1,791 |
| Net loans and leases to core deposits | 86.5860% | 2,050 |
| Total domestic deposits to total assets | 88.6195% | 1,917 |
| Equity capital to assets | 9.7531% | 4,494 |
| Core capital (leverage) ratio | 9.5983% | 3,931 |
| Tier 1 risk-based capital ratio | 13.3735% | 4,957 |
| Total risk-based capital ratio | 14.3796% | 5,074 |
| Memoranda: | ||
| Average total assets | $691,989,500 | 970 |
| Average earning assets | $664,665,500 | 915 |
| Average equity | $66,834,000 | 1,093 |
| Average total loans | $502,937,500 | 843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 4,529 |
| Cost of funding earning assets | 0.5490% | 4,828 |
| Net interest margin | 3.6660% | 3,798 |
| Noninterest income to average assets | 1.1906% | 1,105 |
| Noninterest expense to average assets | 2.4973% | 5,104 |
| Loan and lease loss provision to assets | 0.1546% | 3,679 |
| Net operating income to assets | 2.0387% | 334 |
| Return on assets (ROA) | 2.0387% | 364 |
| Pretax return on assets | 2.0629% | 530 |
| Return on Equity (ROE) | 21.5627% | 236 |
| Retained earnings to average equity (ytd only) | 8.5594% | 948 |
| Net charge-offs to loans | 0.1220% | 4,461 |
| Credit loss provision to net charge-offs | 183.6879% | 1,430 |
| Earnings coverage of net charge-offs (x) | 26.3422% | 1,102 |
| Efficiency ratio | 52.9663% | 6,374 |
| Assets per employee ($millions) | 4.5492% | 2,882 |
| Cash dividends to net income (ytd only)* | 60.3046% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,962 |
| Loan loss allowance to noncurrent loans | 154.9348% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5181% | 5,185 |
| Noncurrent loans to loans | 0.6451% | 4,902 |
| Net loans and leases to total assets | 71.0370% | 1,641 |
| Net loans and leases to deposits | 80.5058% | 2,222 |
| Net loans and leases to core deposits | 84.7776% | 2,454 |
| Total domestic deposits to total assets | 88.2383% | 2,071 |
| Equity capital to assets | 9.5645% | 4,802 |
| Core capital (leverage) ratio | 9.7013% | 3,801 |
| Tier 1 risk-based capital ratio | 13.3579% | 4,848 |
| Total risk-based capital ratio | 14.3627% | 4,974 |
| Memoranda: | ||
| Average total assets | $669,976,200 | 982 |
| Average earning assets | $644,049,600 | 936 |
| Average equity | $63,345,600 | 1,119 |
| Average total loans | $462,367,600 | 890 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2393% | 4,677 |
| Cost of funding earning assets | 0.5673% | 4,938 |
| Net interest margin | 3.6720% | 3,912 |
| Noninterest income to average assets | 1.1831% | 1,082 |
| Noninterest expense to average assets | 2.4736% | 5,170 |
| Loan and lease loss provision to assets | 0.0619% | 4,940 |
| Net operating income to assets | 2.1637% | 307 |
| Return on assets (ROA) | 2.1637% | 339 |
| Pretax return on assets | 2.1828% | 494 |
| Return on Equity (ROE) | 22.9547% | 195 |
| Retained earnings to average equity (ytd only) | 5.3917% | 3,104 |
| Net charge-offs to loans | 0.0430% | 5,052 |
| Credit loss provision to net charge-offs | 210.9589% | 1,309 |
| Earnings coverage of net charge-offs (x) | 76.5076% | 534 |
| Efficiency ratio | 52.4256% | 6,416 |
| Assets per employee ($millions) | 4.2557% | 3,357 |
| Cash dividends to net income (ytd only)* | 76.5116% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 6,068 |
| Loan loss allowance to noncurrent loans | 137.7869% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 5,381 |
| Noncurrent loans to loans | 0.7276% | 4,971 |
| Net loans and leases to total assets | 68.3244% | 2,245 |
| Net loans and leases to deposits | 77.0463% | 2,805 |
| Net loans and leases to core deposits | 80.2687% | 3,171 |
| Total domestic deposits to total assets | 88.6796% | 1,605 |
| Equity capital to assets | 9.4108% | 5,314 |
| Core capital (leverage) ratio | 9.5048% | 4,260 |
| Tier 1 risk-based capital ratio | 13.5974% | 4,823 |
| Total risk-based capital ratio | 14.6006% | 4,949 |
| Memoranda: | ||
| Average total assets | $663,462,000 | 994 |
| Average earning assets | $638,768,000 | 951 |
| Average equity | $62,539,000 | 1,144 |
| Average total loans | $453,101,250 | 917 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 4,846 |
| Cost of funding earning assets | 0.5909% | 4,979 |
| Net interest margin | 3.6395% | 4,082 |
| Noninterest income to average assets | 1.1629% | 1,049 |
| Noninterest expense to average assets | 2.4869% | 5,185 |
| Loan and lease loss provision to assets | 0.0446% | 5,119 |
| Net operating income to assets | 2.1185% | 329 |
| Return on assets (ROA) | 2.1185% | 366 |
| Pretax return on assets | 2.1358% | 539 |
| Return on Equity (ROE) | 22.4618% | 231 |
| Retained earnings to average equity (ytd only) | 6.4930% | 2,386 |
| Net charge-offs to loans | 0.0268% | 5,004 |
| Credit loss provision to net charge-offs | 245.0000% | 1,173 |
| Earnings coverage of net charge-offs (x) | 119.7500% | 367 |
| Efficiency ratio | 53.2835% | 6,390 |
| Assets per employee ($millions) | 4.1170% | 3,633 |
| Cash dividends to net income (ytd only)* | 71.0930% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,159 |
| Loan loss allowance to noncurrent loans | 175.7056% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4086% | 5,760 |
| Noncurrent loans to loans | 0.5693% | 5,372 |
| Net loans and leases to total assets | 67.5349% | 2,361 |
| Net loans and leases to deposits | 76.4273% | 2,925 |
| Net loans and leases to core deposits | 79.5205% | 3,288 |
| Total domestic deposits to total assets | 88.3649% | 1,919 |
| Equity capital to assets | 9.3557% | 5,253 |
| Core capital (leverage) ratio | 9.4223% | 4,265 |
| Tier 1 risk-based capital ratio | 13.5807% | 4,764 |
| Total risk-based capital ratio | 14.5748% | 4,912 |
| Memoranda: | ||
| Average total assets | $659,063,670 | 999 |
| Average earning assets | $634,596,000 | 953 |
| Average equity | $62,159,000 | 1,145 |
| Average total loans | $448,467,000 | 925 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 4,696 |
| Cost of funding earning assets | 0.6237% | 4,941 |
| Net interest margin | 3.6858% | 3,898 |
| Noninterest income to average assets | 1.2977% | 848 |
| Noninterest expense to average assets | 2.5493% | 4,992 |
| Loan and lease loss provision to assets | 0.0098% | 5,174 |
| Net operating income to assets | 2.2685% | 250 |
| Return on assets (ROA) | 2.2685% | 302 |
| Pretax return on assets | 2.2863% | 463 |
| Return on Equity (ROE) | 23.9528% | 215 |
| Retained earnings to average equity (ytd only) | 6.5462% | 2,657 |
| Net charge-offs to loans | 0.0145% | 4,494 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 233.5625% | 152 |
| Efficiency ratio | 52.6122% | 6,483 |
| Assets per employee ($millions) | 4.0796% | 3,845 |
| Cash dividends to net income (ytd only)* | 72.6706% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 6,193 |
| Loan loss allowance to noncurrent loans | 181.5990% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.3958% | 5,877 |
| Noncurrent loans to loans | 0.5578% | 5,542 |
| Net loans and leases to total assets | 66.0168% | 2,465 |
| Net loans and leases to deposits | 74.5581% | 3,034 |
| Net loans and leases to core deposits | 77.6881% | 3,373 |
| Total domestic deposits to total assets | 88.5442% | 1,985 |
| Equity capital to assets | 9.2906% | 5,105 |
| Core capital (leverage) ratio | 9.5039% | 4,044 |
| Tier 1 risk-based capital ratio | 13.7156% | 4,669 |
| Total risk-based capital ratio | 14.7164% | 4,839 |
| Memoranda: | ||
| Average total assets | $651,003,500 | 1,018 |
| Average earning assets | $626,621,500 | 961 |
| Average equity | $61,654,500 | 1,149 |
| Average total loans | $442,404,500 | 937 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 4,857 |
| Cost of funding earning assets | 0.7710% | 5,055 |
| Net interest margin | 3.7844% | 3,905 |
| Noninterest income to average assets | 0.9453% | 1,517 |
| Noninterest expense to average assets | 2.3595% | 5,883 |
| Loan and lease loss provision to assets | 0.2387% | 3,819 |
| Net operating income to assets | 1.9486% | 341 |
| Return on assets (ROA) | 1.9486% | 368 |
| Pretax return on assets | 1.9669% | 567 |
| Return on Equity (ROE) | 21.1884% | 214 |
| Retained earnings to average equity (ytd only) | 8.5020% | 922 |
| Net charge-offs to loans | 0.2994% | 3,907 |
| Credit loss provision to net charge-offs | 117.1875% | 2,747 |
| Earnings coverage of net charge-offs (x) | 10.8273% | 1,787 |
| Efficiency ratio | 51.6855% | 6,726 |
| Assets per employee ($millions) | 3.7902% | 4,342 |
| Cash dividends to net income (ytd only)* | 59.8742% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,069 |
| Loan loss allowance to noncurrent loans | 136.3088% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5460% | 5,606 |
| Noncurrent loans to loans | 0.7560% | 5,186 |
| Net loans and leases to total assets | 68.5802% | 2,295 |
| Net loans and leases to deposits | 76.5726% | 3,074 |
| Net loans and leases to core deposits | 79.8910% | 3,458 |
| Total domestic deposits to total assets | 89.5623% | 1,228 |
| Equity capital to assets | 9.6610% | 4,660 |
| Core capital (leverage) ratio | 9.4794% | 4,059 |
| Tier 1 risk-based capital ratio | 13.7125% | 4,544 |
| Total risk-based capital ratio | 14.7294% | 4,673 |
| Memoranda: | ||
| Average total assets | $628,358,000 | 1,033 |
| Average earning assets | $601,020,400 | 974 |
| Average equity | $57,786,400 | 1,174 |
| Average total loans | $427,517,400 | 977 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 4,811 |
| Cost of funding earning assets | 0.7962% | 5,176 |
| Net interest margin | 3.8184% | 3,775 |
| Noninterest income to average assets | 0.9138% | 1,601 |
| Noninterest expense to average assets | 2.3558% | 5,892 |
| Loan and lease loss provision to assets | 0.2529% | 3,480 |
| Net operating income to assets | 1.9697% | 365 |
| Return on assets (ROA) | 1.9697% | 396 |
| Pretax return on assets | 1.9838% | 647 |
| Return on Equity (ROE) | 22.0884% | 215 |
| Retained earnings to average equity (ytd only) | 5.2789% | 3,006 |
| Net charge-offs to loans | 0.2903% | 3,637 |
| Credit loss provision to net charge-offs | 125.8824% | 2,547 |
| Earnings coverage of net charge-offs (x) | 11.1352% | 1,840 |
| Efficiency ratio | 51.2967% | 6,743 |
| Assets per employee ($millions) | 3.7388% | 4,438 |
| Cash dividends to net income (ytd only)* | 76.1007% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 6,273 |
| Loan loss allowance to noncurrent loans | 103.0349% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 5,375 |
| Noncurrent loans to loans | 0.9697% | 4,949 |
| Net loans and leases to total assets | 69.5237% | 2,173 |
| Net loans and leases to deposits | 77.3415% | 3,112 |
| Net loans and leases to core deposits | 80.9908% | 3,490 |
| Total domestic deposits to total assets | 89.8918% | 928 |
| Equity capital to assets | 8.9386% | 5,823 |
| Core capital (leverage) ratio | 9.0021% | 4,920 |
| Tier 1 risk-based capital ratio | 12.5552% | 5,450 |
| Total risk-based capital ratio | 13.5444% | 5,656 |
| Memoranda: | ||
| Average total assets | $564,212,250 | 1,184 |
| Average earning assets | $543,569,000 | 1,105 |
| Average equity | $50,311,750 | 1,357 |
| Average total loans | $390,329,250 | 1,103 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6013% | 4,954 |
| Cost of funding earning assets | 0.8151% | 5,271 |
| Net interest margin | 3.7862% | 3,855 |
| Noninterest income to average assets | 0.8145% | 1,954 |
| Noninterest expense to average assets | 2.3681% | 5,937 |
| Loan and lease loss provision to assets | 0.2488% | 3,420 |
| Net operating income to assets | 1.8324% | 468 |
| Return on assets (ROA) | 1.8324% | 499 |
| Pretax return on assets | 1.8467% | 797 |
| Return on Equity (ROE) | 20.5660% | 280 |
| Retained earnings to average equity (ytd only) | 4.1901% | 3,530 |
| Net charge-offs to loans | 0.2992% | 3,374 |
| Credit loss provision to net charge-offs | 120.7972% | 2,526 |
| Earnings coverage of net charge-offs (x) | 10.1750% | 1,843 |
| Efficiency ratio | 53.0545% | 6,709 |
| Assets per employee ($millions) | 4.1149% | 3,528 |
| Cash dividends to net income (ytd only)* | 79.6260% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,339 |
| Loan loss allowance to noncurrent loans | 81.9297% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 5,107 |
| Noncurrent loans to loans | 1.2204% | 4,623 |
| Net loans and leases to total assets | 69.1986% | 2,376 |
| Net loans and leases to deposits | 77.7638% | 3,162 |
| Net loans and leases to core deposits | 81.5597% | 3,565 |
| Total domestic deposits to total assets | 88.9857% | 1,536 |
| Equity capital to assets | 8.9616% | 5,639 |
| Core capital (leverage) ratio | 8.9701% | 4,773 |
| Tier 1 risk-based capital ratio | 12.5352% | 5,314 |
| Total risk-based capital ratio | 13.5164% | 5,539 |
| Memoranda: | ||
| Average total assets | $560,359,000 | 1,197 |
| Average earning assets | $540,065,670 | 1,124 |
| Average equity | $49,927,000 | 1,349 |
| Average total loans | $385,659,670 | 1,135 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 5,225 |
| Cost of funding earning assets | 0.8349% | 5,366 |
| Net interest margin | 3.7001% | 4,101 |
| Noninterest income to average assets | 0.6551% | 2,808 |
| Noninterest expense to average assets | 2.3270% | 6,123 |
| Loan and lease loss provision to assets | 0.0208% | 5,689 |
| Net operating income to assets | 1.8659% | 430 |
| Return on assets (ROA) | 1.8659% | 452 |
| Pretax return on assets | 1.8802% | 707 |
| Return on Equity (ROE) | 21.0032% | 292 |
| Retained earnings to average equity (ytd only) | 2.5226% | 4,648 |
| Net charge-offs to loans | 0.0304% | 4,672 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 91.5517% | 342 |
| Efficiency ratio | 55.0381% | 6,600 |
| Assets per employee ($millions) | 4.3419% | 3,152 |
| Cash dividends to net income (ytd only)* | 87.9893% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 6,391 |
| Loan loss allowance to noncurrent loans | 73.3065% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 4,963 |
| Noncurrent loans to loans | 1.3681% | 4,420 |
| Net loans and leases to total assets | 66.8047% | 2,812 |
| Net loans and leases to deposits | 75.1533% | 3,560 |
| Net loans and leases to core deposits | 78.8040% | 3,921 |
| Total domestic deposits to total assets | 88.8913% | 1,844 |
| Equity capital to assets | 8.8205% | 5,461 |
| Core capital (leverage) ratio | 8.8043% | 4,922 |
| Tier 1 risk-based capital ratio | 12.8642% | 4,935 |
| Total risk-based capital ratio | 13.8547% | 5,142 |
| Memoranda: | ||
| Average total assets | $558,669,500 | 1,204 |
| Average earning assets | $539,446,000 | 1,133 |
| Average equity | $49,630,500 | 1,343 |
| Average total loans | $381,470,000 | 1,154 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 4,868 |
| Cost of funding earning assets | 1.1003% | 5,133 |
| Net interest margin | 3.8318% | 3,812 |
| Noninterest income to average assets | 1.1909% | 1,050 |
| Noninterest expense to average assets | 2.5544% | 5,603 |
| Loan and lease loss provision to assets | 0.2458% | 4,829 |
| Net operating income to assets | 2.0546% | 259 |
| Return on assets (ROA) | 2.0546% | 269 |
| Pretax return on assets | 2.0747% | 410 |
| Return on Equity (ROE) | 23.1851% | 134 |
| Retained earnings to average equity (ytd only) | 11.7733% | 294 |
| Net charge-offs to loans | 0.2479% | 4,806 |
| Credit loss provision to net charge-offs | 140.9292% | 2,673 |
| Earnings coverage of net charge-offs (x) | 13.3031% | 1,421 |
| Efficiency ratio | 52.3987% | 6,954 |
| Assets per employee ($millions) | 4.1886% | 3,406 |
| Cash dividends to net income (ytd only)* | 49.2205% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,391 |
| Loan loss allowance to noncurrent loans | 229.0168% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 6,379 |
| Noncurrent loans to loans | 0.4366% | 6,167 |
| Net loans and leases to total assets | 68.4081% | 2,884 |
| Net loans and leases to deposits | 77.4741% | 3,592 |
| Net loans and leases to core deposits | 81.3521% | 3,999 |
| Total domestic deposits to total assets | 88.2981% | 2,063 |
| Equity capital to assets | 8.9482% | 5,214 |
| Core capital (leverage) ratio | 8.9144% | 4,670 |
| Tier 1 risk-based capital ratio | 12.6396% | 4,907 |
| Total risk-based capital ratio | 13.6189% | 5,110 |
| Memoranda: | ||
| Average total assets | $518,248,600 | 1,288 |
| Average earning assets | $498,246,400 | 1,236 |
| Average equity | $45,926,000 | 1,462 |
| Average total loans | $364,674,600 | 1,238 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9589% | 4,997 |
| Cost of funding earning assets | 1.1528% | 5,130 |
| Net interest margin | 3.8061% | 3,948 |
| Noninterest income to average assets | 1.0285% | 1,381 |
| Noninterest expense to average assets | 2.5000% | 5,715 |
| Loan and lease loss provision to assets | 0.1688% | 5,353 |
| Net operating income to assets | 2.0039% | 336 |
| Return on assets (ROA) | 2.0039% | 366 |
| Pretax return on assets | 2.0154% | 606 |
| Return on Equity (ROE) | 22.6731% | 172 |
| Retained earnings to average equity (ytd only) | 7.1581% | 1,776 |
| Net charge-offs to loans | 0.1610% | 5,034 |
| Credit loss provision to net charge-offs | 148.2759% | 2,637 |
| Earnings coverage of net charge-offs (x) | 19.1907% | 1,219 |
| Efficiency ratio | 53.3709% | 6,851 |
| Assets per employee ($millions) | 4.1271% | 3,602 |
| Cash dividends to net income (ytd only)* | 68.4294% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 6,463 |
| Loan loss allowance to noncurrent loans | 119.9607% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 5,972 |
| Noncurrent loans to loans | 0.8209% | 5,575 |
| Net loans and leases to total assets | 67.0469% | 3,451 |
| Net loans and leases to deposits | 75.3705% | 4,287 |
| Net loans and leases to core deposits | 78.9793% | 4,668 |
| Total domestic deposits to total assets | 88.9564% | 1,414 |
| Equity capital to assets | 8.4688% | 6,312 |
| Core capital (leverage) ratio | 8.8287% | 4,960 |
| Tier 1 risk-based capital ratio | 12.2452% | 5,224 |
| Total risk-based capital ratio | 13.2117% | 5,468 |
| Memoranda: | ||
| Average total assets | $509,587,750 | 1,320 |
| Average earning assets | $489,451,250 | 1,269 |
| Average equity | $45,039,000 | 1,490 |
| Average total loans | $360,332,500 | 1,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 4,877 |
| Cost of funding earning assets | 1.1754% | 5,264 |
| Net interest margin | 3.8394% | 3,717 |
| Noninterest income to average assets | 0.7420% | 2,443 |
| Noninterest expense to average assets | 2.4311% | 5,975 |
| Loan and lease loss provision to assets | 0.1966% | 4,900 |
| Net operating income to assets | 1.7890% | 495 |
| Return on assets (ROA) | 1.7890% | 546 |
| Pretax return on assets | 1.7986% | 887 |
| Return on Equity (ROE) | 19.9340% | 322 |
| Retained earnings to average equity (ytd only) | 4.9824% | 2,910 |
| Net charge-offs to loans | 0.2064% | 4,377 |
| Credit loss provision to net charge-offs | 132.6087% | 3,038 |
| Earnings coverage of net charge-offs (x) | 13.4592% | 1,588 |
| Efficiency ratio | 54.9236% | 6,773 |
| Assets per employee ($millions) | 3.8478% | 4,107 |
| Cash dividends to net income (ytd only)* | 75.0056% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9731% | 6,511 |
| Loan loss allowance to noncurrent loans | 143.8356% | 1,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5221% | 6,160 |
| Noncurrent loans to loans | 0.6765% | 5,897 |
| Net loans and leases to total assets | 71.5313% | 2,528 |
| Net loans and leases to deposits | 79.3859% | 3,716 |
| Net loans and leases to core deposits | 83.1269% | 4,262 |
| Total domestic deposits to total assets | 90.1058% | 871 |
| Equity capital to assets | 8.8947% | 5,612 |
| Core capital (leverage) ratio | 9.1038% | 4,455 |
| Tier 1 risk-based capital ratio | 11.9242% | 5,379 |
| Total risk-based capital ratio | 12.8688% | 5,617 |
| Memoranda: | ||
| Average total assets | $496,484,000 | 1,371 |
| Average earning assets | $476,424,000 | 1,302 |
| Average equity | $44,557,000 | 1,494 |
| Average total loans | $356,550,000 | 1,285 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9816% | 5,102 |
| Cost of funding earning assets | 1.1823% | 5,497 |
| Net interest margin | 3.7993% | 3,799 |
| Noninterest income to average assets | 0.6300% | 3,084 |
| Noninterest expense to average assets | 2.4003% | 6,083 |
| Loan and lease loss provision to assets | 0.0962% | 5,672 |
| Net operating income to assets | 1.7735% | 525 |
| Return on assets (ROA) | 1.7735% | 575 |
| Pretax return on assets | 1.7768% | 920 |
| Return on Equity (ROE) | 19.6714% | 401 |
| Retained earnings to average equity (ytd only) | 3.2545% | 4,193 |
| Net charge-offs to loans | 0.0729% | 4,690 |
| Credit loss provision to net charge-offs | 184.3750% | 1,986 |
| Earnings coverage of net charge-offs (x) | 35.9063% | 766 |
| Efficiency ratio | 56.1701% | 6,739 |
| Assets per employee ($millions) | 4.0149% | 3,831 |
| Cash dividends to net income (ytd only)* | 83.4559% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 6,535 |
| Loan loss allowance to noncurrent loans | 98.8713% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.7298% | 5,705 |
| Noncurrent loans to loans | 0.9976% | 5,326 |
| Net loans and leases to total assets | 71.2300% | 2,638 |
| Net loans and leases to deposits | 79.0024% | 3,836 |
| Net loans and leases to core deposits | 82.4543% | 4,423 |
| Total domestic deposits to total assets | 90.1618% | 909 |
| Equity capital to assets | 8.9964% | 5,285 |
| Core capital (leverage) ratio | 9.0925% | 4,389 |
| Tier 1 risk-based capital ratio | 11.9793% | 5,213 |
| Total risk-based capital ratio | 12.9263% | 5,464 |
| Memoranda: | ||
| Average total assets | $490,770,000 | 1,422 |
| Average earning assets | $470,611,000 | 1,351 |
| Average equity | $44,247,000 | 1,517 |
| Average total loans | $351,382,000 | 1,346 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2380% | 5,472 |
| Cost of funding earning assets | 1.5738% | 5,162 |
| Net interest margin | 3.6642% | 4,289 |
| Noninterest income to average assets | 1.1000% | 1,269 |
| Noninterest expense to average assets | 2.5789% | 5,867 |
| Loan and lease loss provision to assets | 0.4487% | 4,136 |
| Net operating income to assets | 1.5669% | 588 |
| Return on assets (ROA) | 1.5669% | 632 |
| Pretax return on assets | 1.5831% | 994 |
| Return on Equity (ROE) | 16.7683% | 477 |
| Retained earnings to average equity (ytd only) | 5.9444% | 1,373 |
| Net charge-offs to loans | 0.2126% | 5,294 |
| Credit loss provision to net charge-offs | 289.5332% | 1,157 |
| Earnings coverage of net charge-offs (x) | 13.1103% | 1,451 |
| Efficiency ratio | 55.9333% | 7,024 |
| Assets per employee ($millions) | 3.9331% | 3,950 |
| Cash dividends to net income (ytd only)* | 64.5495% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9928% | 6,433 |
| Loan loss allowance to noncurrent loans | 128.8756% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 5,757 |
| Noncurrent loans to loans | 0.7703% | 5,726 |
| Net loans and leases to total assets | 70.5450% | 3,114 |
| Net loans and leases to deposits | 78.7511% | 4,221 |
| Net loans and leases to core deposits | 90.2517% | 5,096 |
| Total domestic deposits to total assets | 89.5797% | 1,167 |
| Equity capital to assets | 9.0355% | 5,081 |
| Core capital (leverage) ratio | 9.0704% | 4,304 |
| Tier 1 risk-based capital ratio | 12.0455% | 4,906 |
| Total risk-based capital ratio | 12.9907% | 5,125 |
| Memoranda: | ||
| Average total assets | $456,195,600 | 1,516 |
| Average earning assets | $437,096,200 | 1,448 |
| Average equity | $42,628,000 | 1,567 |
| Average total loans | $332,569,600 | 1,449 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 5,618 |
| Cost of funding earning assets | 1.6555% | 5,134 |
| Net interest margin | 3.6074% | 4,454 |
| Noninterest income to average assets | 1.1016% | 1,307 |
| Noninterest expense to average assets | 2.6323% | 5,590 |
| Loan and lease loss provision to assets | 0.1329% | 6,030 |
| Net operating income to assets | 1.7969% | 445 |
| Return on assets (ROA) | 1.7969% | 475 |
| Pretax return on assets | 1.7969% | 805 |
| Return on Equity (ROE) | 19.0587% | 361 |
| Retained earnings to average equity (ytd only) | 4.5013% | 2,757 |
| Net charge-offs to loans | 0.0718% | 5,973 |
| Credit loss provision to net charge-offs | 252.5424% | 1,697 |
| Earnings coverage of net charge-offs (x) | 36.6616% | 799 |
| Efficiency ratio | 57.6988% | 6,760 |
| Assets per employee ($millions) | 3.7989% | 4,192 |
| Cash dividends to net income (ytd only)* | 76.3820% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 7,366 |
| Loan loss allowance to noncurrent loans | 74.8428% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 5,616 |
| Noncurrent loans to loans | 0.9365% | 5,424 |
| Net loans and leases to total assets | 71.5830% | 3,134 |
| Net loans and leases to deposits | 80.4264% | 4,316 |
| Net loans and leases to core deposits | 92.6371% | 5,174 |
| Total domestic deposits to total assets | 89.0044% | 1,193 |
| Equity capital to assets | 9.1199% | 5,306 |
| Core capital (leverage) ratio | 9.1578% | 4,404 |
| Tier 1 risk-based capital ratio | 12.1457% | 4,844 |
| Total risk-based capital ratio | 12.8195% | 5,307 |
| Memoranda: | ||
| Average total assets | $448,317,000 | 1,558 |
| Average earning assets | $430,066,750 | 1,485 |
| Average equity | $42,268,250 | 1,597 |
| Average total loans | $328,835,750 | 1,483 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3138% | 5,592 |
| Cost of funding earning assets | 1.7463% | 5,035 |
| Net interest margin | 3.5675% | 4,508 |
| Noninterest income to average assets | 1.2588% | 964 |
| Noninterest expense to average assets | 2.7386% | 5,224 |
| Loan and lease loss provision to assets | 0.1615% | 5,450 |
| Net operating income to assets | 1.7757% | 494 |
| Return on assets (ROA) | 1.7757% | 533 |
| Pretax return on assets | 1.7757% | 885 |
| Return on Equity (ROE) | 18.6166% | 439 |
| Retained earnings to average equity (ytd only) | 5.0764% | 2,466 |
| Net charge-offs to loans | 0.1021% | 5,141 |
| Credit loss provision to net charge-offs | 214.4578% | 2,146 |
| Earnings coverage of net charge-offs (x) | 25.7169% | 1,109 |
| Efficiency ratio | 58.5695% | 6,753 |
| Assets per employee ($millions) | 3.6941% | 4,341 |
| Cash dividends to net income (ytd only)* | 72.7319% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7012% | 7,421 |
| Loan loss allowance to noncurrent loans | 76.7690% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.7898% | 5,417 |
| Noncurrent loans to loans | 0.9134% | 5,389 |
| Net loans and leases to total assets | 71.1072% | 3,444 |
| Net loans and leases to deposits | 80.0988% | 4,530 |
| Net loans and leases to core deposits | 93.5025% | 5,172 |
| Total domestic deposits to total assets | 88.7745% | 1,391 |
| Equity capital to assets | 9.3000% | 4,868 |
| Core capital (leverage) ratio | 9.3551% | 4,089 |
| Tier 1 risk-based capital ratio | 12.3122% | 4,661 |
| Total risk-based capital ratio | 12.9778% | 5,095 |
| Memoranda: | ||
| Average total assets | $440,736,000 | 1,607 |
| Average earning assets | $422,145,000 | 1,535 |
| Average equity | $42,037,670 | 1,617 |
| Average total loans | $325,254,670 | 1,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 5,681 |
| Cost of funding earning assets | 1.8049% | 5,093 |
| Net interest margin | 3.5400% | 4,566 |
| Noninterest income to average assets | 1.3748% | 757 |
| Noninterest expense to average assets | 2.6995% | 5,006 |
| Loan and lease loss provision to assets | 0.1324% | 5,266 |
| Net operating income to assets | 1.9275% | 401 |
| Return on assets (ROA) | 1.9275% | 454 |
| Pretax return on assets | 1.9275% | 757 |
| Return on Equity (ROE) | 19.9442% | 426 |
| Retained earnings to average equity (ytd only) | 4.2820% | 3,525 |
| Net charge-offs to loans | 0.0037% | 5,668 |
| Credit loss provision to net charge-offs | 4,766.6667% | 153 |
| Earnings coverage of net charge-offs (x) | 741.6667% | 25 |
| Efficiency ratio | 56.7205% | 6,865 |
| Assets per employee ($millions) | 3.5144% | 4,777 |
| Cash dividends to net income (ytd only)* | 78.5303% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 7,445 |
| Loan loss allowance to noncurrent loans | 83.6742% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7538% | 5,273 |
| Noncurrent loans to loans | 0.8327% | 5,358 |
| Net loans and leases to total assets | 72.4157% | 3,148 |
| Net loans and leases to deposits | 82.2024% | 4,252 |
| Net loans and leases to core deposits | 97.4050% | 4,807 |
| Total domestic deposits to total assets | 88.0943% | 1,703 |
| Equity capital to assets | 9.4803% | 4,693 |
| Core capital (leverage) ratio | 9.7333% | 3,707 |
| Tier 1 risk-based capital ratio | 12.3598% | 4,652 |
| Total risk-based capital ratio | 13.0228% | 5,067 |
| Memoranda: | ||
| Average total assets | $432,072,500 | 1,649 |
| Average earning assets | $413,104,000 | 1,573 |
| Average equity | $41,756,500 | 1,633 |
| Average total loans | $323,874,000 | 1,552 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8897% | 6,088 |
| Cost of funding earning assets | 2.1930% | 5,630 |
| Net interest margin | 3.6967% | 4,487 |
| Noninterest income to average assets | 0.7152% | 3,022 |
| Noninterest expense to average assets | 2.4588% | 6,173 |
| Loan and lease loss provision to assets | 0.0951% | 6,172 |
| Net operating income to assets | 1.6921% | 689 |
| Return on assets (ROA) | 1.6921% | 660 |
| Pretax return on assets | 1.6921% | 1,161 |
| Return on Equity (ROE) | 17.6639% | 561 |
| Retained earnings to average equity (ytd only) | 5.8605% | 1,588 |
| Net charge-offs to loans | 0.1088% | 5,193 |
| Credit loss provision to net charge-offs | 117.8042% | 4,566 |
| Earnings coverage of net charge-offs (x) | 22.1335% | 1,490 |
| Efficiency ratio | 57.9087% | 6,715 |
| Assets per employee ($millions) | 3.5111% | 4,627 |
| Cash dividends to net income (ytd only)* | 66.8224% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 7,547 |
| Loan loss allowance to noncurrent loans | 76.9792% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 4,792 |
| Noncurrent loans to loans | 0.8438% | 4,942 |
| Net loans and leases to total assets | 76.5957% | 2,474 |
| Net loans and leases to deposits | 87.0866% | 3,931 |
| Net loans and leases to core deposits | 103.1512% | 4,490 |
| Total domestic deposits to total assets | 87.9534% | 1,487 |
| Equity capital to assets | 9.8575% | 4,212 |
| Core capital (leverage) ratio | 9.9246% | 3,517 |
| Tier 1 risk-based capital ratio | 12.7947% | 4,220 |
| Total risk-based capital ratio | 13.4450% | 4,562 |
| Memoranda: | ||
| Average total assets | $417,356,600 | 1,632 |
| Average earning assets | $398,628,600 | 1,564 |
| Average equity | $39,979,800 | 1,684 |
| Average total loans | $309,869,400 | 1,565 |