Home > Premier Bank > Performance and Condition Ratios
Premier Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4879% | 3,908 |
| Cost of funding earning assets | 1.6015% | 2,965 |
| Net interest margin | 2.8864% | 3,581 |
| Noninterest income to average assets | 0.2500% | 3,214 |
| Noninterest expense to average assets | 2.2059% | 3,089 |
| Loan and lease loss provision to assets | 0.0700% | 1,663 |
| Net operating income to assets | 0.6787% | 3,165 |
| Return on assets (ROA) | 0.6787% | 3,180 |
| Pretax return on assets | 0.7105% | 3,367 |
| Return on Equity (ROE) | 8.9500% | 2,612 |
| Retained earnings to average equity (ytd only) | -6.4221% | 4,153 |
| Net charge-offs to loans | 0.3108% | 391 |
| Credit loss provision to net charge-offs | 31.0000% | 1,623 |
| Earnings coverage of net charge-offs (x) | 3.5500% | 2,008 |
| Efficiency ratio | 73.9162% | 1,444 |
| Assets per employee ($millions) | 9.1921% | 1,034 |
| Cash dividends to net income (ytd only)* | 171.7286% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,384 |
| Loan loss allowance to noncurrent loans | 345.4418% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 2,510 |
| Noncurrent loans to loans | 0.2798% | 2,505 |
| Net loans and leases to total assets | 70.3900% | 1,797 |
| Net loans and leases to deposits | 83.0858% | 1,783 |
| Net loans and leases to core deposits | 86.9338% | 2,253 |
| Total domestic deposits to total assets | 84.7200% | 2,705 |
| Equity capital to assets | 7.7059% | 3,755 |
| Core capital (leverage) ratio | 8.8194% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3915% | 2,080 |
| Memoranda: | ||
| Average total assets | $364,837,500 | 2,191 |
| Average earning assets | $346,178,500 | 2,158 |
| Average equity | $27,654,500 | 2,558 |
| Average total loans | $257,424,500 | 2,081 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 4,014 |
| Cost of funding earning assets | 2.0496% | 2,104 |
| Net interest margin | 2.3182% | 4,067 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 2.0839% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.4514% | 3,584 |
| Return on assets (ROA) | 0.4514% | 3,604 |
| Pretax return on assets | 0.4745% | 3,701 |
| Return on Equity (ROE) | 6.3200% | 3,204 |
| Retained earnings to average equity (ytd only) | 1.4346% | 3,555 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 81.4523% | 954 |
| Assets per employee ($millions) | 9.2796% | 963 |
| Cash dividends to net income (ytd only)* | 77.3075% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 3,233 |
| Loan loss allowance to noncurrent loans | 77.1810% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 767 |
| Noncurrent loans to loans | 1.2959% | 774 |
| Net loans and leases to total assets | 69.3600% | 1,982 |
| Net loans and leases to deposits | 84.9665% | 1,688 |
| Net loans and leases to core deposits | 91.2621% | 2,026 |
| Total domestic deposits to total assets | 81.6300% | 3,307 |
| Equity capital to assets | 7.4583% | 3,782 |
| Core capital (leverage) ratio | 8.7828% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3032% | 2,113 |
| Memoranda: | ||
| Average total assets | $376,790,200 | 2,115 |
| Average earning assets | $358,604,400 | 2,078 |
| Average equity | $26,906,200 | 2,527 |
| Average total loans | $262,113,200 | 2,011 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3407% | 4,020 |
| Cost of funding earning assets | 2.1259% | 1,912 |
| Net interest margin | 2.2148% | 4,158 |
| Noninterest income to average assets | 0.3800% | 2,542 |
| Noninterest expense to average assets | 2.0293% | 3,496 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.4336% | 3,623 |
| Return on assets (ROA) | 0.4336% | 3,651 |
| Pretax return on assets | 0.4548% | 3,725 |
| Return on Equity (ROE) | 6.1400% | 3,279 |
| Retained earnings to average equity (ytd only) | 3.2644% | 3,084 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 81.6917% | 968 |
| Assets per employee ($millions) | 9.6376% | 861 |
| Cash dividends to net income (ytd only)* | 46.8293% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,242 |
| Loan loss allowance to noncurrent loans | 101.0465% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.6864% | 1,040 |
| Noncurrent loans to loans | 0.9918% | 1,008 |
| Net loans and leases to total assets | 68.5100% | 2,022 |
| Net loans and leases to deposits | 86.6993% | 1,568 |
| Net loans and leases to core deposits | 96.6148% | 1,723 |
| Total domestic deposits to total assets | 79.0300% | 3,609 |
| Equity capital to assets | 7.3840% | 4,015 |
| Core capital (leverage) ratio | 8.8460% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9966% | 2,245 |
| Memoranda: | ||
| Average total assets | $378,192,250 | 2,104 |
| Average earning assets | $359,811,000 | 2,069 |
| Average equity | $26,711,750 | 2,530 |
| Average total loans | $262,630,000 | 1,996 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3125% | 4,016 |
| Cost of funding earning assets | 2.1480% | 1,766 |
| Net interest margin | 2.1645% | 4,193 |
| Noninterest income to average assets | 0.4000% | 2,384 |
| Noninterest expense to average assets | 2.0149% | 3,522 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.4322% | 3,597 |
| Return on assets (ROA) | 0.4322% | 3,631 |
| Pretax return on assets | 0.4533% | 3,719 |
| Return on Equity (ROE) | 6.2100% | 3,217 |
| Retained earnings to average equity (ytd only) | 3.8158% | 2,782 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 81.6335% | 1,015 |
| Assets per employee ($millions) | 9.3547% | 892 |
| Cash dividends to net income (ytd only)* | 38.5836% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 3,233 |
| Loan loss allowance to noncurrent loans | 102.5213% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 970 |
| Noncurrent loans to loans | 0.9833% | 953 |
| Net loans and leases to total assets | 69.3600% | 1,981 |
| Net loans and leases to deposits | 88.4449% | 1,446 |
| Net loans and leases to core deposits | 101.3116% | 1,402 |
| Total domestic deposits to total assets | 78.4200% | 3,659 |
| Equity capital to assets | 7.2071% | 3,862 |
| Core capital (leverage) ratio | 8.6164% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9127% | 2,283 |
| Memoranda: | ||
| Average total assets | $378,967,667 | 2,099 |
| Average earning assets | $361,740,000 | 2,063 |
| Average equity | $26,364,333 | 2,526 |
| Average total loans | $263,463,333 | 1,993 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2747% | 3,988 |
| Cost of funding earning assets | 2.1390% | 1,685 |
| Net interest margin | 2.1357% | 4,231 |
| Noninterest income to average assets | 0.4200% | 2,181 |
| Noninterest expense to average assets | 2.0107% | 3,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.4300% | 3,538 |
| Return on assets (ROA) | 0.4300% | 3,555 |
| Pretax return on assets | 0.4500% | 3,657 |
| Return on Equity (ROE) | 6.2900% | 3,134 |
| Retained earnings to average equity (ytd only) | 6.2926% | 2,017 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 81.7136% | 1,062 |
| Assets per employee ($millions) | 10.1991% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 3,252 |
| Loan loss allowance to noncurrent loans | 11,008.3333% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,786 |
| Noncurrent loans to loans | 0.0092% | 3,729 |
| Net loans and leases to total assets | 66.9300% | 2,127 |
| Net loans and leases to deposits | 79.7765% | 2,079 |
| Net loans and leases to core deposits | 89.8989% | 2,052 |
| Total domestic deposits to total assets | 83.8900% | 2,745 |
| Equity capital to assets | 6.8298% | 3,969 |
| Core capital (leverage) ratio | 8.5365% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9083% | 2,268 |
| Memoranda: | ||
| Average total assets | $381,357,000 | 2,105 |
| Average earning assets | $364,099,500 | 2,065 |
| Average equity | $26,062,500 | 2,545 |
| Average total loans | $264,104,500 | 1,990 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,965 |
| Cost of funding earning assets | 1.8085% | 1,237 |
| Net interest margin | 2.1924% | 4,322 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.0260% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3423% | 3,970 |
| Return on assets (ROA) | 0.3431% | 3,964 |
| Pretax return on assets | 0.3592% | 4,023 |
| Return on Equity (ROE) | 5.0400% | 3,717 |
| Retained earnings to average equity (ytd only) | -7.9431% | 4,442 |
| Net charge-offs to loans | -0.0015% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.9702% | 615 |
| Assets per employee ($millions) | 9.6192% | 795 |
| Cash dividends to net income (ytd only)* | 257.7454% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,033 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.2000% | 1,786 |
| Net loans and leases to deposits | 87.0354% | 1,533 |
| Net loans and leases to core deposits | 103.1020% | 1,269 |
| Total domestic deposits to total assets | 80.6600% | 3,363 |
| Equity capital to assets | 6.8386% | 4,004 |
| Core capital (leverage) ratio | 8.5249% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6051% | 2,379 |
| Memoranda: | ||
| Average total assets | $380,056,400 | 2,080 |
| Average earning assets | $358,196,000 | 2,053 |
| Average equity | $25,896,600 | 2,468 |
| Average total loans | $266,936,200 | 1,927 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 3,940 |
| Cost of funding earning assets | 1.7249% | 1,140 |
| Net interest margin | 2.2127% | 4,347 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.0051% | 3,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3683% | 4,012 |
| Return on assets (ROA) | 0.3693% | 4,013 |
| Pretax return on assets | 0.3875% | 4,079 |
| Return on Equity (ROE) | 5.4200% | 3,742 |
| Retained earnings to average equity (ytd only) | -9.5900% | 4,501 |
| Net charge-offs to loans | -0.0015% | 3,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.8427% | 624 |
| Assets per employee ($millions) | 9.9759% | 673 |
| Cash dividends to net income (ytd only)* | 276.7992% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 3,093 |
| Loan loss allowance to noncurrent loans | 14,085.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0053% | 3,814 |
| Noncurrent loans to loans | 0.0075% | 3,753 |
| Net loans and leases to total assets | 69.6600% | 1,871 |
| Net loans and leases to deposits | 85.7973% | 1,594 |
| Net loans and leases to core deposits | 101.1635% | 1,253 |
| Total domestic deposits to total assets | 81.1900% | 3,351 |
| Equity capital to assets | 6.6449% | 3,777 |
| Core capital (leverage) ratio | 8.5309% | 4,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5792% | 2,422 |
| Memoranda: | ||
| Average total assets | $381,283,250 | 2,074 |
| Average earning assets | $358,108,750 | 2,043 |
| Average equity | $25,957,000 | 2,452 |
| Average total loans | $267,123,250 | 1,924 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 3,930 |
| Cost of funding earning assets | 1.5785% | 1,114 |
| Net interest margin | 2.2890% | 4,372 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.9931% | 3,616 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4362% | 3,933 |
| Return on assets (ROA) | 0.4377% | 3,938 |
| Pretax return on assets | 0.4623% | 4,025 |
| Return on Equity (ROE) | 6.3800% | 3,603 |
| Retained earnings to average equity (ytd only) | -1.8998% | 4,286 |
| Net charge-offs to loans | -0.0015% | 3,496 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.2247% | 765 |
| Assets per employee ($millions) | 10.0531% | 657 |
| Cash dividends to net income (ytd only)* | 129.7847% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 3,195 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 69.4900% | 1,799 |
| Net loans and leases to deposits | 91.2259% | 1,085 |
| Net loans and leases to core deposits | 98.3295% | 1,329 |
| Total domestic deposits to total assets | 76.1800% | 4,028 |
| Equity capital to assets | 6.9133% | 3,837 |
| Core capital (leverage) ratio | 8.8911% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8795% | 2,341 |
| Memoranda: | ||
| Average total assets | $382,015,667 | 2,070 |
| Average earning assets | $358,059,000 | 2,055 |
| Average equity | $26,212,667 | 2,452 |
| Average total loans | $267,207,000 | 1,921 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7809% | 3,895 |
| Cost of funding earning assets | 1.3690% | 1,095 |
| Net interest margin | 2.4119% | 4,376 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.0355% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5132% | 3,865 |
| Return on assets (ROA) | 0.5162% | 3,819 |
| Pretax return on assets | 0.5445% | 3,927 |
| Return on Equity (ROE) | 7.5500% | 3,398 |
| Retained earnings to average equity (ytd only) | -2.7265% | 4,235 |
| Net charge-offs to loans | -0.0015% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.9923% | 905 |
| Assets per employee ($millions) | 10.1516% | 673 |
| Cash dividends to net income (ytd only)* | 136.1055% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,311 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 69.0000% | 1,729 |
| Net loans and leases to deposits | 86.7633% | 1,298 |
| Net loans and leases to core deposits | 93.1248% | 1,449 |
| Total domestic deposits to total assets | 79.5300% | 3,827 |
| Equity capital to assets | 6.8117% | 3,904 |
| Core capital (leverage) ratio | 8.9351% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8933% | 2,428 |
| Memoranda: | ||
| Average total assets | $382,014,000 | 2,094 |
| Average earning assets | $358,222,000 | 2,082 |
| Average equity | $26,114,000 | 2,481 |
| Average total loans | $266,667,500 | 1,939 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2868% | 3,617 |
| Cost of funding earning assets | 0.4082% | 2,019 |
| Net interest margin | 2.8786% | 3,732 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 1.9904% | 3,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0193% | 2,500 |
| Return on assets (ROA) | 1.3257% | 1,310 |
| Pretax return on assets | 1.3897% | 1,797 |
| Return on Equity (ROE) | 18.5300% | 628 |
| Retained earnings to average equity (ytd only) | 6.3400% | 2,515 |
| Net charge-offs to loans | -0.0016% | 3,408 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0970% | 2,350 |
| Assets per employee ($millions) | 9.9544% | 687 |
| Cash dividends to net income (ytd only)* | 65.7844% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,061 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 69.1400% | 1,716 |
| Net loans and leases to deposits | 86.8995% | 1,251 |
| Net loans and leases to core deposits | 92.7063% | 1,356 |
| Total domestic deposits to total assets | 79.5600% | 3,939 |
| Equity capital to assets | 6.8605% | 3,738 |
| Core capital (leverage) ratio | 9.0611% | 3,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1250% | 2,316 |
| Memoranda: | ||
| Average total assets | $387,561,600 | 2,071 |
| Average earning assets | $364,759,600 | 2,049 |
| Average equity | $27,728,800 | 2,440 |
| Average total loans | $251,754,600 | 1,934 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1656% | 3,521 |
| Cost of funding earning assets | 0.3250% | 1,914 |
| Net interest margin | 2.8406% | 3,652 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.9438% | 3,640 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0322% | 2,350 |
| Return on assets (ROA) | 1.4383% | 960 |
| Pretax return on assets | 1.5139% | 1,379 |
| Return on Equity (ROE) | 19.9000% | 443 |
| Retained earnings to average equity (ytd only) | 11.7792% | 841 |
| Net charge-offs to loans | -0.0016% | 3,228 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1463% | 2,530 |
| Assets per employee ($millions) | 10.4918% | 563 |
| Cash dividends to net income (ytd only)* | 40.8226% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 3,099 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.2800% | 1,858 |
| Net loans and leases to deposits | 77.0473% | 1,795 |
| Net loans and leases to core deposits | 82.2024% | 1,750 |
| Total domestic deposits to total assets | 86.0300% | 3,061 |
| Equity capital to assets | 6.7625% | 3,631 |
| Core capital (leverage) ratio | 9.2130% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2601% | 2,371 |
| Memoranda: | ||
| Average total assets | $389,885,500 | 2,078 |
| Average earning assets | $367,148,500 | 2,055 |
| Average equity | $28,173,250 | 2,452 |
| Average total loans | $248,607,000 | 1,949 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0536% | 3,420 |
| Cost of funding earning assets | 0.2511% | 2,254 |
| Net interest margin | 2.8024% | 3,442 |
| Noninterest income to average assets | 0.3621% | 2,975 |
| Noninterest expense to average assets | 1.9229% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0256% | 2,067 |
| Return on assets (ROA) | 1.6417% | 487 |
| Pretax return on assets | 1.7288% | 701 |
| Return on Equity (ROE) | 22.2464% | 188 |
| Retained earnings to average equity (ytd only) | 12.2928% | 561 |
| Net charge-offs to loans | -0.0016% | 3,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0287% | 2,772 |
| Assets per employee ($millions) | 9.1250% | 846 |
| Cash dividends to net income (ytd only)* | 44.7426% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 3,128 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 66.9927% | 1,584 |
| Net loans and leases to deposits | 79.4934% | 1,421 |
| Net loans and leases to core deposits | 82.1367% | 1,588 |
| Total domestic deposits to total assets | 84.2745% | 3,634 |
| Equity capital to assets | 6.8036% | 3,871 |
| Core capital (leverage) ratio | 8.9079% | 3,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4083% | 2,339 |
| Memoranda: | ||
| Average total assets | $390,448,000 | 2,089 |
| Average earning assets | $367,964,333 | 2,075 |
| Average equity | $28,813,667 | 2,479 |
| Average total loans | $244,767,333 | 1,969 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9147% | 3,495 |
| Cost of funding earning assets | 0.2345% | 2,332 |
| Net interest margin | 2.6802% | 3,449 |
| Noninterest income to average assets | 0.3572% | 2,948 |
| Noninterest expense to average assets | 1.8986% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9224% | 2,193 |
| Return on assets (ROA) | 0.9252% | 2,171 |
| Pretax return on assets | 0.9854% | 2,485 |
| Return on Equity (ROE) | 12.0944% | 1,276 |
| Retained earnings to average equity (ytd only) | 0.2624% | 3,966 |
| Net charge-offs to loans | -0.0017% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9004% | 2,780 |
| Assets per employee ($millions) | 9.6066% | 750 |
| Cash dividends to net income (ytd only)* | 97.8308% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 3,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.2972% | 2,034 |
| Net loans and leases to deposits | 77.5842% | 1,322 |
| Net loans and leases to core deposits | 79.9661% | 1,484 |
| Total domestic deposits to total assets | 77.7183% | 4,423 |
| Equity capital to assets | 7.1688% | 4,115 |
| Core capital (leverage) ratio | 8.2645% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1637% | 2,545 |
| Memoranda: | ||
| Average total assets | $398,609,000 | 2,055 |
| Average earning assets | $375,338,500 | 2,049 |
| Average equity | $30,493,500 | 2,457 |
| Average total loans | $240,427,000 | 1,990 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4725% | 2,742 |
| Cost of funding earning assets | 0.3144% | 2,257 |
| Net interest margin | 3.1581% | 2,717 |
| Noninterest income to average assets | 0.3921% | 3,091 |
| Noninterest expense to average assets | 1.8870% | 3,953 |
| Loan and lease loss provision to assets | 0.0643% | 1,779 |
| Net operating income to assets | 1.3659% | 1,393 |
| Return on assets (ROA) | 1.4972% | 1,075 |
| Pretax return on assets | 1.5615% | 1,532 |
| Return on Equity (ROE) | 17.6930% | 495 |
| Retained earnings to average equity (ytd only) | 3.4722% | 3,424 |
| Net charge-offs to loans | -0.0015% | 3,326 |
| Credit loss provision to net charge-offs | -6,350.0000% | 4,192 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8932% | 3,717 |
| Assets per employee ($millions) | 9.8377% | 699 |
| Cash dividends to net income (ytd only)* | 80.3756% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 3,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.9423% | 2,276 |
| Net loans and leases to deposits | 73.2950% | 1,793 |
| Net loans and leases to core deposits | 75.5034% | 1,954 |
| Total domestic deposits to total assets | 80.4179% | 4,175 |
| Equity capital to assets | 8.1198% | 4,293 |
| Core capital (leverage) ratio | 8.0200% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5124% | 2,446 |
| Memoranda: | ||
| Average total assets | $394,811,200 | 2,011 |
| Average earning assets | $373,040,600 | 1,993 |
| Average equity | $33,408,600 | 2,363 |
| Average total loans | $261,141,000 | 1,876 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4949% | 2,850 |
| Cost of funding earning assets | 0.3314% | 2,283 |
| Net interest margin | 3.1635% | 2,850 |
| Noninterest income to average assets | 0.4098% | 3,034 |
| Noninterest expense to average assets | 1.8468% | 4,062 |
| Loan and lease loss provision to assets | 0.0863% | 1,379 |
| Net operating income to assets | 1.3945% | 1,567 |
| Return on assets (ROA) | 1.5687% | 1,153 |
| Pretax return on assets | 1.6454% | 1,568 |
| Return on Equity (ROE) | 18.3476% | 589 |
| Retained earnings to average equity (ytd only) | 7.5694% | 2,193 |
| Net charge-offs to loans | -0.0015% | 3,176 |
| Credit loss provision to net charge-offs | -8,466.6667% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3954% | 3,748 |
| Assets per employee ($millions) | 9.2633% | 819 |
| Cash dividends to net income (ytd only)* | 58.7446% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 3,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.2422% | 2,109 |
| Net loans and leases to deposits | 77.4939% | 1,525 |
| Net loans and leases to core deposits | 80.7120% | 1,677 |
| Total domestic deposits to total assets | 79.0284% | 4,339 |
| Equity capital to assets | 8.5208% | 4,196 |
| Core capital (leverage) ratio | 8.3023% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6367% | 2,490 |
| Memoranda: | ||
| Average total assets | $392,677,250 | 2,034 |
| Average earning assets | $370,552,000 | 2,021 |
| Average equity | $33,573,000 | 2,384 |
| Average total loans | $266,288,500 | 1,879 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5711% | 2,717 |
| Cost of funding earning assets | 0.3520% | 2,304 |
| Net interest margin | 3.2191% | 2,699 |
| Noninterest income to average assets | 0.4330% | 2,942 |
| Noninterest expense to average assets | 1.8173% | 4,145 |
| Loan and lease loss provision to assets | 0.0809% | 1,504 |
| Net operating income to assets | 1.5021% | 1,283 |
| Return on assets (ROA) | 1.6786% | 954 |
| Pretax return on assets | 1.7585% | 1,332 |
| Return on Equity (ROE) | 19.6110% | 488 |
| Retained earnings to average equity (ytd only) | 8.3586% | 1,958 |
| Net charge-offs to loans | -0.0015% | 3,133 |
| Credit loss provision to net charge-offs | -7,900.0000% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3592% | 4,006 |
| Assets per employee ($millions) | 8.7507% | 931 |
| Cash dividends to net income (ytd only)* | 57.3780% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0380% | 3,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 67.1289% | 1,563 |
| Net loans and leases to deposits | 86.0888% | 906 |
| Net loans and leases to core deposits | 89.7720% | 1,153 |
| Total domestic deposits to total assets | 77.9763% | 4,434 |
| Equity capital to assets | 8.7318% | 4,023 |
| Core capital (leverage) ratio | 8.1135% | 4,332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2063% | 2,644 |
| Memoranda: | ||
| Average total assets | $390,796,333 | 2,033 |
| Average earning assets | $368,796,000 | 2,025 |
| Average equity | $33,450,667 | 2,385 |
| Average total loans | $272,802,000 | 1,869 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 2,644 |
| Cost of funding earning assets | 0.3599% | 2,447 |
| Net interest margin | 3.2384% | 2,577 |
| Noninterest income to average assets | 0.4593% | 2,790 |
| Noninterest expense to average assets | 1.6938% | 4,388 |
| Loan and lease loss provision to assets | 0.0630% | 1,875 |
| Net operating income to assets | 1.6799% | 975 |
| Return on assets (ROA) | 2.0291% | 593 |
| Pretax return on assets | 2.1195% | 782 |
| Return on Equity (ROE) | 23.9405% | 297 |
| Retained earnings to average equity (ytd only) | 13.3669% | 845 |
| Net charge-offs to loans | -0.0014% | 3,078 |
| Credit loss provision to net charge-offs | -6,200.0000% | 3,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2210% | 4,327 |
| Assets per employee ($millions) | 9.3013% | 748 |
| Cash dividends to net income (ytd only)* | 44.1662% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 4,074 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 68.0317% | 1,528 |
| Net loans and leases to deposits | 88.2591% | 807 |
| Net loans and leases to core deposits | 92.5827% | 1,075 |
| Total domestic deposits to total assets | 77.0818% | 4,510 |
| Equity capital to assets | 8.1871% | 4,371 |
| Core capital (leverage) ratio | 8.2396% | 4,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9999% | 2,665 |
| Memoranda: | ||
| Average total assets | $393,679,000 | 2,016 |
| Average earning assets | $371,170,000 | 1,996 |
| Average equity | $33,366,000 | 2,382 |
| Average total loans | $278,614,000 | 1,843 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 3,530 |
| Cost of funding earning assets | 0.6103% | 2,237 |
| Net interest margin | 3.1089% | 3,608 |
| Noninterest income to average assets | 0.4604% | 2,816 |
| Noninterest expense to average assets | 2.0514% | 4,036 |
| Loan and lease loss provision to assets | 0.1163% | 2,899 |
| Net operating income to assets | 1.1497% | 1,726 |
| Return on assets (ROA) | 1.2416% | 1,517 |
| Pretax return on assets | 1.3116% | 1,935 |
| Return on Equity (ROE) | 14.1656% | 773 |
| Retained earnings to average equity (ytd only) | 3.7636% | 2,940 |
| Net charge-offs to loans | 0.0023% | 3,317 |
| Credit loss provision to net charge-offs | 7,116.6667% | 150 |
| Earnings coverage of net charge-offs (x) | 814.5000% | 146 |
| Efficiency ratio | 60.6458% | 3,367 |
| Assets per employee ($millions) | 8.7931% | 799 |
| Cash dividends to net income (ytd only)* | 73.4313% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9236% | 4,117 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.3717% | 1,247 |
| Net loans and leases to deposits | 94.4906% | 630 |
| Net loans and leases to core deposits | 99.5406% | 921 |
| Total domestic deposits to total assets | 76.5915% | 4,457 |
| Equity capital to assets | 8.7876% | 4,235 |
| Core capital (leverage) ratio | 8.0066% | 4,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9224% | 2,658 |
| Memoranda: | ||
| Average total assets | $367,108,000 | 1,971 |
| Average earning assets | $345,079,000 | 1,954 |
| Average equity | $32,176,600 | 2,382 |
| Average total loans | $260,636,400 | 1,864 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7143% | 3,770 |
| Cost of funding earning assets | 0.6605% | 2,267 |
| Net interest margin | 3.0538% | 3,852 |
| Noninterest income to average assets | 0.4311% | 2,931 |
| Noninterest expense to average assets | 2.0470% | 4,056 |
| Loan and lease loss provision to assets | 0.0124% | 4,152 |
| Net operating income to assets | 1.1833% | 1,697 |
| Return on assets (ROA) | 1.3067% | 1,434 |
| Pretax return on assets | 1.3693% | 1,825 |
| Return on Equity (ROE) | 14.9188% | 699 |
| Retained earnings to average equity (ytd only) | 5.2556% | 2,449 |
| Net charge-offs to loans | 0.0036% | 3,035 |
| Credit loss provision to net charge-offs | 485.7143% | 1,307 |
| Earnings coverage of net charge-offs (x) | 488.7143% | 236 |
| Efficiency ratio | 62.0521% | 3,072 |
| Assets per employee ($millions) | 9.1545% | 665 |
| Cash dividends to net income (ytd only)* | 64.7718% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7832% | 4,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 69.4197% | 2,040 |
| Net loans and leases to deposits | 90.1169% | 1,250 |
| Net loans and leases to core deposits | 96.0837% | 1,453 |
| Total domestic deposits to total assets | 77.0329% | 4,323 |
| Equity capital to assets | 8.3934% | 4,524 |
| Core capital (leverage) ratio | 8.1099% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2087% | 2,532 |
| Memoranda: | ||
| Average total assets | $364,359,500 | 1,962 |
| Average earning assets | $342,164,000 | 1,952 |
| Average equity | $31,914,250 | 2,379 |
| Average total loans | $256,748,000 | 1,881 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8235% | 3,799 |
| Cost of funding earning assets | 0.7532% | 2,099 |
| Net interest margin | 3.0704% | 3,970 |
| Noninterest income to average assets | 0.4044% | 3,049 |
| Noninterest expense to average assets | 2.0750% | 4,085 |
| Loan and lease loss provision to assets | 0.0192% | 3,997 |
| Net operating income to assets | 1.1369% | 1,849 |
| Return on assets (ROA) | 1.3271% | 1,385 |
| Pretax return on assets | 1.3914% | 1,747 |
| Return on Equity (ROE) | 14.9212% | 722 |
| Retained earnings to average equity (ytd only) | 5.8277% | 2,146 |
| Net charge-offs to loans | 0.0056% | 2,762 |
| Credit loss provision to net charge-offs | 485.7143% | 1,259 |
| Earnings coverage of net charge-offs (x) | 306.5714% | 317 |
| Efficiency ratio | 63.1588% | 2,932 |
| Assets per employee ($millions) | 8.7139% | 750 |
| Cash dividends to net income (ytd only)* | 60.9435% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 4,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.1724% | 1,846 |
| Net loans and leases to deposits | 92.6396% | 1,082 |
| Net loans and leases to core deposits | 103.3174% | 1,045 |
| Total domestic deposits to total assets | 76.8272% | 4,338 |
| Equity capital to assets | 8.4434% | 4,508 |
| Core capital (leverage) ratio | 8.0421% | 4,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4116% | 2,437 |
| Memoranda: | ||
| Average total assets | $354,598,667 | 1,985 |
| Average earning assets | $332,728,333 | 1,970 |
| Average equity | $31,539,000 | 2,386 |
| Average total loans | $250,523,333 | 1,900 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,895 |
| Cost of funding earning assets | 0.9537% | 1,634 |
| Net interest margin | 3.0080% | 4,268 |
| Noninterest income to average assets | 0.3245% | 3,579 |
| Noninterest expense to average assets | 2.2458% | 3,899 |
| Loan and lease loss provision to assets | 0.0400% | 3,272 |
| Net operating income to assets | 0.8173% | 2,846 |
| Return on assets (ROA) | 1.0429% | 2,125 |
| Pretax return on assets | 1.0947% | 2,543 |
| Return on Equity (ROE) | 11.4003% | 1,290 |
| Retained earnings to average equity (ytd only) | 3.1232% | 3,029 |
| Net charge-offs to loans | 0.0235% | 1,896 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 845 |
| Efficiency ratio | 71.4553% | 2,164 |
| Assets per employee ($millions) | 7.7314% | 821 |
| Cash dividends to net income (ytd only)* | 72.6043% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 4,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.3982% | 2,489 |
| Net loans and leases to deposits | 88.5504% | 1,686 |
| Net loans and leases to core deposits | 99.7360% | 1,493 |
| Total domestic deposits to total assets | 77.2422% | 4,322 |
| Equity capital to assets | 9.1661% | 4,494 |
| Core capital (leverage) ratio | 8.8022% | 4,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5817% | 2,899 |
| Memoranda: | ||
| Average total assets | $340,193,000 | 1,996 |
| Average earning assets | $318,751,500 | 1,981 |
| Average equity | $31,122,000 | 2,395 |
| Average total loans | $238,265,500 | 1,937 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 3,867 |
| Cost of funding earning assets | 1.1737% | 1,084 |
| Net interest margin | 3.0020% | 4,512 |
| Noninterest income to average assets | 0.3920% | 3,348 |
| Noninterest expense to average assets | 2.1983% | 4,163 |
| Loan and lease loss provision to assets | 0.0142% | 3,730 |
| Net operating income to assets | 0.9460% | 3,033 |
| Return on assets (ROA) | 1.0833% | 2,604 |
| Pretax return on assets | 1.1280% | 3,087 |
| Return on Equity (ROE) | 12.1856% | 1,443 |
| Retained earnings to average equity (ytd only) | 3.7162% | 3,130 |
| Net charge-offs to loans | 0.0322% | 2,744 |
| Credit loss provision to net charge-offs | 61.8421% | 3,018 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 1,237 |
| Efficiency ratio | 68.7494% | 2,352 |
| Assets per employee ($millions) | 7.3883% | 904 |
| Cash dividends to net income (ytd only)* | 69.5033% | 1,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9010% | 3,954 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 70.4670% | 2,320 |
| Net loans and leases to deposits | 88.6698% | 1,749 |
| Net loans and leases to core deposits | 98.3878% | 1,701 |
| Total domestic deposits to total assets | 79.4712% | 4,082 |
| Equity capital to assets | 9.1297% | 4,622 |
| Core capital (leverage) ratio | 8.7603% | 4,691 |
| Tier 1 risk-based capital ratio | 11.7552% | 4,496 |
| Total risk-based capital ratio | 12.5984% | 4,591 |
| Memoranda: | ||
| Average total assets | $330,845,200 | 1,977 |
| Average earning assets | $309,192,200 | 1,971 |
| Average equity | $29,411,800 | 2,428 |
| Average total loans | $236,309,800 | 1,915 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,961 |
| Cost of funding earning assets | 1.2030% | 1,032 |
| Net interest margin | 2.9772% | 4,654 |
| Noninterest income to average assets | 0.3430% | 3,674 |
| Noninterest expense to average assets | 2.1522% | 4,271 |
| Loan and lease loss provision to assets | 0.0190% | 3,531 |
| Net operating income to assets | 0.9155% | 3,284 |
| Return on assets (ROA) | 1.0987% | 2,671 |
| Pretax return on assets | 1.1407% | 3,166 |
| Return on Equity (ROE) | 12.4436% | 1,467 |
| Retained earnings to average equity (ytd only) | 3.7381% | 3,529 |
| Net charge-offs to loans | 0.0406% | 2,278 |
| Credit loss provision to net charge-offs | 65.2778% | 2,667 |
| Earnings coverage of net charge-offs (x) | 33.3464% | 1,531 |
| Efficiency ratio | 68.9593% | 2,264 |
| Assets per employee ($millions) | 7.7231% | 762 |
| Cash dividends to net income (ytd only)* | 69.9596% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 3,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,583 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 67.7383% | 2,825 |
| Net loans and leases to deposits | 85.6429% | 2,241 |
| Net loans and leases to core deposits | 98.2798% | 1,802 |
| Total domestic deposits to total assets | 79.0939% | 4,172 |
| Equity capital to assets | 8.9234% | 4,816 |
| Core capital (leverage) ratio | 8.9536% | 4,670 |
| Tier 1 risk-based capital ratio | 11.6987% | 4,572 |
| Total risk-based capital ratio | 12.5476% | 4,667 |
| Memoranda: | ||
| Average total assets | $330,437,750 | 1,988 |
| Average earning assets | $308,337,750 | 1,987 |
| Average equity | $29,176,250 | 2,454 |
| Average total loans | $236,283,500 | 1,923 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 3,943 |
| Cost of funding earning assets | 1.2230% | 932 |
| Net interest margin | 2.9712% | 4,731 |
| Noninterest income to average assets | 0.3006% | 3,921 |
| Noninterest expense to average assets | 2.1441% | 4,339 |
| Loan and lease loss provision to assets | 0.0171% | 3,448 |
| Net operating income to assets | 0.8905% | 3,322 |
| Return on assets (ROA) | 1.0174% | 2,935 |
| Pretax return on assets | 1.0492% | 3,390 |
| Return on Equity (ROE) | 11.5649% | 1,756 |
| Retained earnings to average equity (ytd only) | 2.5908% | 3,896 |
| Net charge-offs to loans | 0.0606% | 1,775 |
| Credit loss provision to net charge-offs | 38.8889% | 2,548 |
| Earnings coverage of net charge-offs (x) | 21.2639% | 1,735 |
| Efficiency ratio | 69.6230% | 2,287 |
| Assets per employee ($millions) | 7.8905% | 701 |
| Cash dividends to net income (ytd only)* | 77.5976% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9081% | 4,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 4,441 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 71.3048% | 2,323 |
| Net loans and leases to deposits | 88.6225% | 1,922 |
| Net loans and leases to core deposits | 102.5623% | 1,514 |
| Total domestic deposits to total assets | 80.4591% | 3,948 |
| Equity capital to assets | 9.1635% | 4,688 |
| Core capital (leverage) ratio | 8.8052% | 4,781 |
| Tier 1 risk-based capital ratio | 11.7821% | 4,529 |
| Total risk-based capital ratio | 12.6424% | 4,633 |
| Memoranda: | ||
| Average total assets | $327,312,000 | 2,012 |
| Average earning assets | $306,137,330 | 2,002 |
| Average equity | $28,794,000 | 2,463 |
| Average total loans | $237,605,000 | 1,924 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 3,966 |
| Cost of funding earning assets | 1.2123% | 871 |
| Net interest margin | 2.9520% | 4,818 |
| Noninterest income to average assets | 0.2637% | 4,121 |
| Noninterest expense to average assets | 2.1190% | 4,431 |
| Loan and lease loss provision to assets | 0.0340% | 2,949 |
| Net operating income to assets | 0.8559% | 3,424 |
| Return on assets (ROA) | 1.0012% | 2,874 |
| Pretax return on assets | 1.0194% | 3,385 |
| Return on Equity (ROE) | 11.6185% | 1,683 |
| Retained earnings to average equity (ytd only) | 3.6519% | 3,460 |
| Net charge-offs to loans | 0.0267% | 1,919 |
| Credit loss provision to net charge-offs | 175.0000% | 1,135 |
| Earnings coverage of net charge-offs (x) | 46.5625% | 1,070 |
| Efficiency ratio | 70.0683% | 2,326 |
| Assets per employee ($millions) | 8.0873% | 655 |
| Cash dividends to net income (ytd only)* | 68.5680% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,140 |
| Loan loss allowance to noncurrent loans | 2,411.1111% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,714 |
| Noncurrent loans to loans | 0.0375% | 4,600 |
| Net loans and leases to total assets | 71.7849% | 2,202 |
| Net loans and leases to deposits | 87.5020% | 1,936 |
| Net loans and leases to core deposits | 102.4363% | 1,417 |
| Total domestic deposits to total assets | 82.0380% | 3,714 |
| Equity capital to assets | 8.7041% | 4,878 |
| Core capital (leverage) ratio | 8.8024% | 4,792 |
| Tier 1 risk-based capital ratio | 11.3826% | 4,790 |
| Total risk-based capital ratio | 12.2394% | 4,885 |
| Memoranda: | ||
| Average total assets | $329,212,500 | 2,025 |
| Average earning assets | $307,856,000 | 2,012 |
| Average equity | $28,368,500 | 2,495 |
| Average total loans | $240,011,000 | 1,914 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,944 |
| Cost of funding earning assets | 0.9296% | 999 |
| Net interest margin | 3.1004% | 4,649 |
| Noninterest income to average assets | 0.3324% | 3,884 |
| Noninterest expense to average assets | 2.1283% | 4,500 |
| Loan and lease loss provision to assets | 0.0408% | 3,376 |
| Net operating income to assets | 1.0229% | 2,916 |
| Return on assets (ROA) | 1.0572% | 2,758 |
| Pretax return on assets | 1.1075% | 3,236 |
| Return on Equity (ROE) | 12.3507% | 1,598 |
| Retained earnings to average equity (ytd only) | 4.7480% | 2,917 |
| Net charge-offs to loans | 0.0060% | 3,489 |
| Credit loss provision to net charge-offs | 921.4286% | 395 |
| Earnings coverage of net charge-offs (x) | 251.0000% | 379 |
| Efficiency ratio | 65.6769% | 2,918 |
| Assets per employee ($millions) | 7.9719% | 661 |
| Cash dividends to net income (ytd only)* | 61.5569% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 72.7163% | 2,144 |
| Net loans and leases to deposits | 88.5685% | 1,983 |
| Net loans and leases to core deposits | 102.7309% | 1,523 |
| Total domestic deposits to total assets | 82.1017% | 3,618 |
| Equity capital to assets | 8.5288% | 4,913 |
| Core capital (leverage) ratio | 8.8020% | 4,809 |
| Tier 1 risk-based capital ratio | 11.2126% | 4,859 |
| Total risk-based capital ratio | 12.0617% | 4,950 |
| Memoranda: | ||
| Average total assets | $315,929,000 | 2,063 |
| Average earning assets | $296,350,800 | 2,040 |
| Average equity | $27,043,000 | 2,511 |
| Average total loans | $233,331,800 | 1,921 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 4,021 |
| Cost of funding earning assets | 0.8593% | 1,075 |
| Net interest margin | 3.1110% | 4,684 |
| Noninterest income to average assets | 0.3427% | 3,853 |
| Noninterest expense to average assets | 2.1332% | 4,481 |
| Loan and lease loss provision to assets | 0.0328% | 3,361 |
| Net operating income to assets | 1.0516% | 2,862 |
| Return on assets (ROA) | 1.0860% | 2,738 |
| Pretax return on assets | 1.1362% | 3,258 |
| Return on Equity (ROE) | 12.6748% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.4468% | 3,529 |
| Net charge-offs to loans | 0.0081% | 3,126 |
| Credit loss provision to net charge-offs | 550.0000% | 642 |
| Earnings coverage of net charge-offs (x) | 190.1039% | 454 |
| Efficiency ratio | 65.3069% | 2,982 |
| Assets per employee ($millions) | 7.5446% | 756 |
| Cash dividends to net income (ytd only)* | 64.9155% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 72.9274% | 2,180 |
| Net loans and leases to deposits | 91.2771% | 1,721 |
| Net loans and leases to core deposits | 98.2797% | 1,916 |
| Total domestic deposits to total assets | 79.8967% | 4,143 |
| Equity capital to assets | 8.4431% | 4,961 |
| Core capital (leverage) ratio | 8.8531% | 4,846 |
| Tier 1 risk-based capital ratio | 11.4574% | 4,816 |
| Total risk-based capital ratio | 12.3161% | 4,905 |
| Memoranda: | ||
| Average total assets | $313,199,500 | 2,088 |
| Average earning assets | $294,346,250 | 2,064 |
| Average equity | $26,834,750 | 2,531 |
| Average total loans | $231,707,500 | 1,940 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9144% | 4,033 |
| Cost of funding earning assets | 0.7987% | 1,135 |
| Net interest margin | 3.1157% | 4,701 |
| Noninterest income to average assets | 0.3526% | 3,805 |
| Noninterest expense to average assets | 2.1316% | 4,538 |
| Loan and lease loss provision to assets | 0.0397% | 3,110 |
| Net operating income to assets | 1.0619% | 2,746 |
| Return on assets (ROA) | 1.1136% | 2,539 |
| Pretax return on assets | 1.1636% | 3,083 |
| Return on Equity (ROE) | 12.9329% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.8024% | 3,186 |
| Net charge-offs to loans | 0.0164% | 2,592 |
| Credit loss provision to net charge-offs | 326.3158% | 948 |
| Earnings coverage of net charge-offs (x) | 94.3684% | 724 |
| Efficiency ratio | 64.9668% | 3,163 |
| Assets per employee ($millions) | 7.4073% | 788 |
| Cash dividends to net income (ytd only)* | 62.8670% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.8821% | 1,961 |
| Net loans and leases to deposits | 94.5306% | 1,299 |
| Net loans and leases to core deposits | 101.6950% | 1,584 |
| Total domestic deposits to total assets | 78.1568% | 4,561 |
| Equity capital to assets | 8.6269% | 4,858 |
| Core capital (leverage) ratio | 8.9461% | 4,730 |
| Tier 1 risk-based capital ratio | 11.3086% | 4,895 |
| Total risk-based capital ratio | 12.1560% | 4,994 |
| Memoranda: | ||
| Average total assets | $311,974,670 | 2,111 |
| Average earning assets | $293,224,330 | 2,081 |
| Average equity | $26,861,670 | 2,542 |
| Average total loans | $231,212,000 | 1,949 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8261% | 4,142 |
| Cost of funding earning assets | 0.7454% | 1,210 |
| Net interest margin | 3.0807% | 4,742 |
| Noninterest income to average assets | 0.2599% | 4,436 |
| Noninterest expense to average assets | 2.0947% | 4,667 |
| Loan and lease loss provision to assets | 0.0627% | 2,520 |
| Net operating income to assets | 0.9641% | 3,012 |
| Return on assets (ROA) | 0.9641% | 3,034 |
| Pretax return on assets | 1.0025% | 3,524 |
| Return on Equity (ROE) | 11.2083% | 1,881 |
| Retained earnings to average equity (ytd only) | 7.3382% | 2,125 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2885% | 3,107 |
| Assets per employee ($millions) | 7.6400% | 725 |
| Cash dividends to net income (ytd only)* | 34.5286% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.5974% | 1,927 |
| Net loans and leases to deposits | 92.9218% | 1,344 |
| Net loans and leases to core deposits | 100.0973% | 1,680 |
| Total domestic deposits to total assets | 79.2036% | 4,547 |
| Equity capital to assets | 8.5560% | 4,934 |
| Core capital (leverage) ratio | 8.9312% | 4,760 |
| Tier 1 risk-based capital ratio | 11.1720% | 5,042 |
| Total risk-based capital ratio | 12.0161% | 5,152 |
| Memoranda: | ||
| Average total assets | $312,408,000 | 2,132 |
| Average earning assets | $294,086,000 | 2,101 |
| Average equity | $26,873,000 | 2,563 |
| Average total loans | $230,848,500 | 1,959 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,082 |
| Cost of funding earning assets | 0.5932% | 1,649 |
| Net interest margin | 3.1972% | 4,453 |
| Noninterest income to average assets | 0.2233% | 4,812 |
| Noninterest expense to average assets | 2.1941% | 4,542 |
| Loan and lease loss provision to assets | 0.0057% | 4,148 |
| Net operating income to assets | 0.9699% | 2,364 |
| Return on assets (ROA) | 1.0427% | 2,113 |
| Pretax return on assets | 1.0888% | 3,232 |
| Return on Equity (ROE) | 11.2330% | 1,401 |
| Retained earnings to average equity (ytd only) | -1.2953% | 5,211 |
| Net charge-offs to loans | 0.0133% | 3,622 |
| Credit loss provision to net charge-offs | 56.6667% | 3,255 |
| Earnings coverage of net charge-offs (x) | 100.8333% | 642 |
| Efficiency ratio | 68.2914% | 2,834 |
| Assets per employee ($millions) | 7.5994% | 738 |
| Cash dividends to net income (ytd only)* | 111.5310% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1062% | 4,602 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 72.8636% | 2,109 |
| Net loans and leases to deposits | 92.5718% | 1,436 |
| Net loans and leases to core deposits | 100.0229% | 1,715 |
| Total domestic deposits to total assets | 78.7104% | 4,606 |
| Equity capital to assets | 8.6480% | 4,993 |
| Core capital (leverage) ratio | 8.8971% | 4,758 |
| Tier 1 risk-based capital ratio | 11.1352% | 5,070 |
| Total risk-based capital ratio | 11.9719% | 5,181 |
| Memoranda: | ||
| Average total assets | $296,929,800 | 2,180 |
| Average earning assets | $277,646,200 | 2,171 |
| Average equity | $27,561,600 | 2,516 |
| Average total loans | $224,759,800 | 1,968 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7814% | 4,065 |
| Cost of funding earning assets | 0.5705% | 1,736 |
| Net interest margin | 3.2110% | 4,428 |
| Noninterest income to average assets | 0.1941% | 5,045 |
| Noninterest expense to average assets | 2.1995% | 4,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9497% | 2,780 |
| Return on assets (ROA) | 1.0479% | 2,380 |
| Pretax return on assets | 1.0961% | 3,318 |
| Return on Equity (ROE) | 11.0885% | 1,662 |
| Retained earnings to average equity (ytd only) | 1.6067% | 4,783 |
| Net charge-offs to loans | 0.0179% | 3,140 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 72.8648% | 867 |
| Efficiency ratio | 68.8781% | 2,729 |
| Assets per employee ($millions) | 7.3154% | 822 |
| Cash dividends to net income (ytd only)* | 85.5095% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 4,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 3,414 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 75.3026% | 1,708 |
| Net loans and leases to deposits | 94.4727% | 1,247 |
| Net loans and leases to core deposits | 100.1583% | 1,692 |
| Total domestic deposits to total assets | 79.7083% | 4,391 |
| Equity capital to assets | 9.3385% | 4,609 |
| Core capital (leverage) ratio | 9.3908% | 4,304 |
| Tier 1 risk-based capital ratio | 11.5888% | 4,892 |
| Total risk-based capital ratio | 12.4310% | 5,040 |
| Memoranda: | ||
| Average total assets | $293,268,750 | 2,221 |
| Average earning assets | $273,929,250 | 2,204 |
| Average equity | $27,715,750 | 2,521 |
| Average total loans | $223,683,000 | 1,980 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7589% | 4,039 |
| Cost of funding earning assets | 0.5486% | 1,787 |
| Net interest margin | 3.2103% | 4,389 |
| Noninterest income to average assets | 0.2962% | 4,420 |
| Noninterest expense to average assets | 2.1969% | 4,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0465% | 2,221 |
| Return on assets (ROA) | 1.1448% | 1,854 |
| Pretax return on assets | 1.1977% | 2,781 |
| Return on Equity (ROE) | 12.0646% | 1,280 |
| Retained earnings to average equity (ytd only) | 1.1804% | 4,770 |
| Net charge-offs to loans | 0.0270% | 2,676 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 53.1333% | 1,029 |
| Efficiency ratio | 66.7293% | 3,223 |
| Assets per employee ($millions) | 7.2586% | 825 |
| Cash dividends to net income (ytd only)* | 90.2161% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 4,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 3,031 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.2382% | 1,997 |
| Net loans and leases to deposits | 90.4864% | 1,668 |
| Net loans and leases to core deposits | 100.1411% | 1,640 |
| Total domestic deposits to total assets | 80.9384% | 4,195 |
| Equity capital to assets | 9.3974% | 4,515 |
| Core capital (leverage) ratio | 9.3722% | 4,262 |
| Tier 1 risk-based capital ratio | 12.0510% | 4,606 |
| Total risk-based capital ratio | 12.9322% | 4,733 |
| Memoranda: | ||
| Average total assets | $291,048,330 | 2,241 |
| Average earning assets | $271,625,000 | 2,225 |
| Average equity | $27,618,000 | 2,526 |
| Average total loans | $222,283,670 | 1,992 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 3,997 |
| Cost of funding earning assets | 0.5249% | 1,902 |
| Net interest margin | 3.2061% | 4,323 |
| Noninterest income to average assets | 0.3239% | 4,229 |
| Noninterest expense to average assets | 2.2740% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9995% | 2,308 |
| Return on assets (ROA) | 1.0800% | 1,994 |
| Pretax return on assets | 1.1315% | 2,854 |
| Return on Equity (ROE) | 11.3251% | 1,456 |
| Retained earnings to average equity (ytd only) | 1.5013% | 4,501 |
| Net charge-offs to loans | 0.0609% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 22.1471% | 1,428 |
| Efficiency ratio | 68.4805% | 3,125 |
| Assets per employee ($millions) | 7.2775% | 828 |
| Cash dividends to net income (ytd only)* | 86.7439% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8978% | 4,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5610% | 2,987 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.6702% | 1,308 |
| Net loans and leases to deposits | 95.9981% | 935 |
| Net loans and leases to core deposits | 106.5159% | 1,065 |
| Total domestic deposits to total assets | 79.8664% | 4,647 |
| Equity capital to assets | 9.4696% | 4,309 |
| Core capital (leverage) ratio | 9.5072% | 4,119 |
| Tier 1 risk-based capital ratio | 11.9072% | 4,779 |
| Total risk-based capital ratio | 12.7785% | 4,916 |
| Memoranda: | ||
| Average total assets | $287,771,000 | 2,272 |
| Average earning assets | $268,991,000 | 2,255 |
| Average equity | $27,443,500 | 2,549 |
| Average total loans | $223,433,000 | 1,998 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,866 |
| Cost of funding earning assets | 0.4672% | 2,380 |
| Net interest margin | 3.3443% | 4,013 |
| Noninterest income to average assets | 0.4131% | 3,790 |
| Noninterest expense to average assets | 2.2939% | 4,576 |
| Loan and lease loss provision to assets | 0.0591% | 3,207 |
| Net operating income to assets | 1.1525% | 1,687 |
| Return on assets (ROA) | 1.3008% | 1,285 |
| Pretax return on assets | 1.3640% | 2,054 |
| Return on Equity (ROE) | 13.5737% | 853 |
| Retained earnings to average equity (ytd only) | 4.8975% | 2,409 |
| Net charge-offs to loans | 0.0023% | 4,196 |
| Credit loss provision to net charge-offs | 3,360.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 720.8000% | 108 |
| Efficiency ratio | 64.4190% | 3,862 |
| Assets per employee ($millions) | 6.9376% | 947 |
| Cash dividends to net income (ytd only)* | 63.9189% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 4,663 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 3,008 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 77.2041% | 1,330 |
| Net loans and leases to deposits | 93.0438% | 1,293 |
| Net loans and leases to core deposits | 103.0710% | 1,351 |
| Total domestic deposits to total assets | 82.9761% | 3,777 |
| Equity capital to assets | 9.6051% | 4,162 |
| Core capital (leverage) ratio | 9.4620% | 4,135 |
| Tier 1 risk-based capital ratio | 12.1013% | 4,658 |
| Total risk-based capital ratio | 13.0051% | 4,793 |
| Memoranda: | ||
| Average total assets | $284,448,400 | 2,253 |
| Average earning assets | $267,741,600 | 2,234 |
| Average equity | $27,258,600 | 2,551 |
| Average total loans | $220,186,400 | 1,973 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 4,000 |
| Cost of funding earning assets | 0.4661% | 2,411 |
| Net interest margin | 3.3089% | 4,159 |
| Noninterest income to average assets | 0.4223% | 3,752 |
| Noninterest expense to average assets | 2.2583% | 4,628 |
| Loan and lease loss provision to assets | 0.0637% | 2,962 |
| Net operating income to assets | 1.1659% | 1,744 |
| Return on assets (ROA) | 1.3748% | 1,185 |
| Pretax return on assets | 1.4413% | 1,912 |
| Return on Equity (ROE) | 14.3544% | 763 |
| Retained earnings to average equity (ytd only) | 6.9545% | 1,650 |
| Net charge-offs to loans | 0.0030% | 3,829 |
| Credit loss provision to net charge-offs | 2,720.0000% | 181 |
| Earnings coverage of net charge-offs (x) | 548.1124% | 164 |
| Efficiency ratio | 63.7302% | 3,963 |
| Assets per employee ($millions) | 7.0289% | 883 |
| Cash dividends to net income (ytd only)* | 51.5513% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8916% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6281% | 3,026 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 78.1100% | 1,174 |
| Net loans and leases to deposits | 97.4953% | 900 |
| Net loans and leases to core deposits | 108.9064% | 992 |
| Total domestic deposits to total assets | 80.1167% | 4,488 |
| Equity capital to assets | 9.7250% | 4,444 |
| Core capital (leverage) ratio | 9.6693% | 3,972 |
| Tier 1 risk-based capital ratio | 12.0591% | 4,756 |
| Total risk-based capital ratio | 12.9428% | 4,884 |
| Memoranda: | ||
| Average total assets | $284,450,000 | 2,262 |
| Average earning assets | $268,317,750 | 2,228 |
| Average equity | $27,243,000 | 2,572 |
| Average total loans | $219,818,750 | 1,982 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7795% | 4,026 |
| Cost of funding earning assets | 0.4663% | 2,417 |
| Net interest margin | 3.3132% | 4,183 |
| Noninterest income to average assets | 0.4054% | 3,836 |
| Noninterest expense to average assets | 2.2351% | 4,766 |
| Loan and lease loss provision to assets | 0.0459% | 3,230 |
| Net operating income to assets | 1.1937% | 1,628 |
| Return on assets (ROA) | 1.2238% | 1,615 |
| Pretax return on assets | 1.2825% | 2,476 |
| Return on Equity (ROE) | 12.8456% | 1,068 |
| Retained earnings to average equity (ytd only) | 5.9447% | 2,146 |
| Net charge-offs to loans | 0.0046% | 3,546 |
| Credit loss provision to net charge-offs | 1,300.0000% | 301 |
| Earnings coverage of net charge-offs (x) | 367.2000% | 189 |
| Efficiency ratio | 63.2873% | 4,140 |
| Assets per employee ($millions) | 7.1017% | 839 |
| Cash dividends to net income (ytd only)* | 53.7219% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,974 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6812% | 2,951 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 76.2795% | 1,446 |
| Net loans and leases to deposits | 92.6895% | 1,433 |
| Net loans and leases to core deposits | 105.4352% | 1,225 |
| Total domestic deposits to total assets | 82.2957% | 3,911 |
| Equity capital to assets | 9.7171% | 4,544 |
| Core capital (leverage) ratio | 9.3950% | 4,342 |
| Tier 1 risk-based capital ratio | 12.0858% | 4,772 |
| Total risk-based capital ratio | 12.9596% | 4,922 |
| Memoranda: | ||
| Average total assets | $283,204,670 | 2,280 |
| Average earning assets | $267,230,670 | 2,251 |
| Average equity | $26,982,000 | 2,593 |
| Average total loans | $217,382,670 | 2,002 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7732% | 4,051 |
| Cost of funding earning assets | 0.4572% | 2,499 |
| Net interest margin | 3.3160% | 4,161 |
| Noninterest income to average assets | 0.3961% | 3,858 |
| Noninterest expense to average assets | 2.2011% | 4,903 |
| Loan and lease loss provision to assets | 0.0693% | 2,568 |
| Net operating income to assets | 1.2015% | 1,553 |
| Return on assets (ROA) | 1.2491% | 1,509 |
| Pretax return on assets | 1.3042% | 2,283 |
| Return on Equity (ROE) | 13.2426% | 983 |
| Retained earnings to average equity (ytd only) | 11.3229% | 598 |
| Net charge-offs to loans | -0.0148% | 4,706 |
| Credit loss provision to net charge-offs | -612.5000% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4398% | 4,380 |
| Assets per employee ($millions) | 7.1017% | 854 |
| Cash dividends to net income (ytd only)* | 14.4960% | 2,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8860% | 5,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 3,148 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.7960% | 1,277 |
| Net loans and leases to deposits | 93.7450% | 1,171 |
| Net loans and leases to core deposits | 108.0153% | 970 |
| Total domestic deposits to total assets | 81.9201% | 4,252 |
| Equity capital to assets | 9.6027% | 4,563 |
| Core capital (leverage) ratio | 9.5248% | 4,145 |
| Tier 1 risk-based capital ratio | 12.0395% | 4,891 |
| Total risk-based capital ratio | 12.9102% | 5,043 |
| Memoranda: | ||
| Average total assets | $282,774,000 | 2,293 |
| Average earning assets | $266,826,000 | 2,259 |
| Average equity | $26,671,500 | 2,617 |
| Average total loans | $216,755,500 | 2,011 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7387% | 4,236 |
| Cost of funding earning assets | 0.4672% | 2,461 |
| Net interest margin | 3.2715% | 4,408 |
| Noninterest income to average assets | 0.4048% | 3,999 |
| Noninterest expense to average assets | 2.2972% | 4,798 |
| Loan and lease loss provision to assets | 0.1443% | 1,642 |
| Net operating income to assets | 1.0025% | 2,348 |
| Return on assets (ROA) | 1.0382% | 2,264 |
| Pretax return on assets | 1.0849% | 3,131 |
| Return on Equity (ROE) | 10.7453% | 1,709 |
| Retained earnings to average equity (ytd only) | 1.3103% | 4,974 |
| Net charge-offs to loans | 0.2312% | 1,286 |
| Credit loss provision to net charge-offs | 84.3011% | 2,872 |
| Earnings coverage of net charge-offs (x) | 6.9656% | 3,142 |
| Efficiency ratio | 65.8369% | 3,929 |
| Assets per employee ($millions) | 6.8654% | 934 |
| Cash dividends to net income (ytd only)* | 87.8057% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 5,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 3,126 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 75.1440% | 1,544 |
| Net loans and leases to deposits | 91.1943% | 1,490 |
| Net loans and leases to core deposits | 102.1338% | 1,350 |
| Total domestic deposits to total assets | 82.3999% | 4,049 |
| Equity capital to assets | 9.2600% | 4,836 |
| Core capital (leverage) ratio | 9.2650% | 4,525 |
| Tier 1 risk-based capital ratio | 11.8450% | 5,046 |
| Total risk-based capital ratio | 12.7014% | 5,184 |
| Memoranda: | ||
| Average total assets | $271,719,600 | 2,328 |
| Average earning assets | $256,184,800 | 2,295 |
| Average equity | $26,253,400 | 2,605 |
| Average total loans | $201,132,400 | 2,058 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7338% | 4,316 |
| Cost of funding earning assets | 0.4757% | 2,446 |
| Net interest margin | 3.2582% | 4,491 |
| Noninterest income to average assets | 0.4397% | 3,799 |
| Noninterest expense to average assets | 2.2974% | 4,786 |
| Loan and lease loss provision to assets | 0.1589% | 1,350 |
| Net operating income to assets | 1.0105% | 2,421 |
| Return on assets (ROA) | 1.0556% | 2,288 |
| Pretax return on assets | 1.1032% | 3,218 |
| Return on Equity (ROE) | 10.8082% | 1,781 |
| Retained earnings to average equity (ytd only) | 3.3205% | 4,109 |
| Net charge-offs to loans | 0.3339% | 785 |
| Credit loss provision to net charge-offs | 64.7177% | 2,849 |
| Earnings coverage of net charge-offs (x) | 4.9476% | 3,273 |
| Efficiency ratio | 65.4074% | 3,988 |
| Assets per employee ($millions) | 6.6644% | 994 |
| Cash dividends to net income (ytd only)* | 69.2774% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 5,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 3,173 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 75.2633% | 1,502 |
| Net loans and leases to deposits | 92.4393% | 1,362 |
| Net loans and leases to core deposits | 102.8360% | 1,316 |
| Total domestic deposits to total assets | 81.4192% | 4,360 |
| Equity capital to assets | 10.0062% | 4,140 |
| Core capital (leverage) ratio | 9.6123% | 4,152 |
| Tier 1 risk-based capital ratio | 12.7269% | 4,597 |
| Total risk-based capital ratio | 13.5882% | 4,769 |
| Memoranda: | ||
| Average total assets | $269,279,250 | 2,365 |
| Average earning assets | $253,958,750 | 2,326 |
| Average equity | $26,300,500 | 2,626 |
| Average total loans | $198,063,250 | 2,087 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 4,547 |
| Cost of funding earning assets | 0.4599% | 2,611 |
| Net interest margin | 3.1987% | 4,667 |
| Noninterest income to average assets | 0.4797% | 3,503 |
| Noninterest expense to average assets | 2.2689% | 4,928 |
| Loan and lease loss provision to assets | 0.1925% | 1,036 |
| Net operating income to assets | 0.9912% | 2,432 |
| Return on assets (ROA) | 1.0260% | 2,375 |
| Pretax return on assets | 1.0719% | 3,291 |
| Return on Equity (ROE) | 10.5899% | 1,819 |
| Retained earnings to average equity (ytd only) | 4.8747% | 2,942 |
| Net charge-offs to loans | 0.4842% | 519 |
| Credit loss provision to net charge-offs | 54.6218% | 2,653 |
| Earnings coverage of net charge-offs (x) | 3.4853% | 3,188 |
| Efficiency ratio | 64.8815% | 4,209 |
| Assets per employee ($millions) | 6.4612% | 1,072 |
| Cash dividends to net income (ytd only)* | 53.9683% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 5,436 |
| Loan loss allowance to noncurrent loans | 7,959.0909% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.6887% | 3,338 |
| Noncurrent loans to loans | 0.0108% | 5,723 |
| Net loans and leases to total assets | 74.3361% | 1,606 |
| Net loans and leases to deposits | 92.6305% | 1,300 |
| Net loans and leases to core deposits | 100.3053% | 1,468 |
| Total domestic deposits to total assets | 80.2502% | 4,806 |
| Equity capital to assets | 9.6411% | 4,483 |
| Core capital (leverage) ratio | 9.8016% | 3,863 |
| Tier 1 risk-based capital ratio | 12.2692% | 4,957 |
| Total risk-based capital ratio | 13.0805% | 5,158 |
| Memoranda: | ||
| Average total assets | $270,180,330 | 2,370 |
| Average earning assets | $254,854,670 | 2,332 |
| Average equity | $26,176,000 | 2,645 |
| Average total loans | $196,609,000 | 2,114 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 4,608 |
| Cost of funding earning assets | 0.4541% | 2,732 |
| Net interest margin | 3.1724% | 4,703 |
| Noninterest income to average assets | 0.4555% | 3,600 |
| Noninterest expense to average assets | 2.2494% | 5,007 |
| Loan and lease loss provision to assets | 0.1380% | 1,488 |
| Net operating income to assets | 1.0179% | 2,179 |
| Return on assets (ROA) | 1.0179% | 2,321 |
| Pretax return on assets | 1.0639% | 3,244 |
| Return on Equity (ROE) | 10.4803% | 1,802 |
| Retained earnings to average equity (ytd only) | 2.5360% | 4,420 |
| Net charge-offs to loans | 0.8614% | 276 |
| Credit loss provision to net charge-offs | 22.3558% | 2,340 |
| Earnings coverage of net charge-offs (x) | 1.9471% | 2,844 |
| Efficiency ratio | 65.1763% | 4,292 |
| Assets per employee ($millions) | 6.6060% | 1,019 |
| Cash dividends to net income (ytd only)* | 75.8017% | 1,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 5,595 |
| Loan loss allowance to noncurrent loans | 1,934.1176% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 3,224 |
| Noncurrent loans to loans | 0.0435% | 5,608 |
| Net loans and leases to total assets | 71.5819% | 1,879 |
| Net loans and leases to deposits | 89.0054% | 1,505 |
| Net loans and leases to core deposits | 96.6509% | 1,576 |
| Total domestic deposits to total assets | 80.4242% | 4,951 |
| Equity capital to assets | 9.7694% | 4,414 |
| Core capital (leverage) ratio | 9.7303% | 3,979 |
| Tier 1 risk-based capital ratio | 12.3846% | 4,983 |
| Total risk-based capital ratio | 13.1674% | 5,188 |
| Memoranda: | ||
| Average total assets | $269,585,500 | 2,390 |
| Average earning assets | $254,572,000 | 2,350 |
| Average equity | $26,182,500 | 2,660 |
| Average total loans | $193,175,000 | 2,146 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,577 |
| Cost of funding earning assets | 0.5185% | 2,503 |
| Net interest margin | 3.2522% | 4,745 |
| Noninterest income to average assets | 0.7837% | 1,938 |
| Noninterest expense to average assets | 2.4100% | 4,819 |
| Loan and lease loss provision to assets | 0.1084% | 2,350 |
| Net operating income to assets | 1.2589% | 1,407 |
| Return on assets (ROA) | 1.1996% | 1,647 |
| Pretax return on assets | 1.2555% | 2,414 |
| Return on Equity (ROE) | 12.5760% | 1,242 |
| Retained earnings to average equity (ytd only) | 1.9578% | 4,817 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8307% | 4,778 |
| Assets per employee ($millions) | 6.3887% | 1,126 |
| Cash dividends to net income (ytd only)* | 84.4323% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 4,068 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.3857% | 2,173 |
| Net loans and leases to deposits | 92.8452% | 1,200 |
| Net loans and leases to core deposits | 102.1323% | 1,239 |
| Total domestic deposits to total assets | 75.8096% | 5,759 |
| Equity capital to assets | 9.6543% | 4,529 |
| Core capital (leverage) ratio | 9.6477% | 4,037 |
| Tier 1 risk-based capital ratio | 12.7552% | 4,883 |
| Total risk-based capital ratio | 13.7273% | 4,966 |
| Memoranda: | ||
| Average total assets | $259,170,400 | 2,439 |
| Average earning assets | $243,217,800 | 2,401 |
| Average equity | $24,721,600 | 2,693 |
| Average total loans | $179,428,200 | 2,234 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7906% | 4,575 |
| Cost of funding earning assets | 0.5210% | 2,562 |
| Net interest margin | 3.2697% | 4,723 |
| Noninterest income to average assets | 0.3415% | 4,709 |
| Noninterest expense to average assets | 2.3844% | 4,876 |
| Loan and lease loss provision to assets | 0.0602% | 3,156 |
| Net operating income to assets | 0.9197% | 2,822 |
| Return on assets (ROA) | 0.8943% | 3,036 |
| Pretax return on assets | 0.9358% | 3,836 |
| Return on Equity (ROE) | 9.4052% | 2,495 |
| Retained earnings to average equity (ytd only) | -4.2413% | 6,222 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9878% | 3,507 |
| Assets per employee ($millions) | 6.0678% | 1,285 |
| Cash dividends to net income (ytd only)* | 145.0955% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 5,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 4,272 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 68.3789% | 2,471 |
| Net loans and leases to deposits | 89.0154% | 1,552 |
| Net loans and leases to core deposits | 97.9000% | 1,530 |
| Total domestic deposits to total assets | 76.8169% | 5,704 |
| Equity capital to assets | 9.4844% | 4,809 |
| Core capital (leverage) ratio | 9.4295% | 4,468 |
| Tier 1 risk-based capital ratio | 12.4501% | 5,196 |
| Total risk-based capital ratio | 13.3638% | 5,336 |
| Memoranda: | ||
| Average total assets | $256,881,500 | 2,479 |
| Average earning assets | $240,834,250 | 2,436 |
| Average equity | $24,425,750 | 2,721 |
| Average total loans | $176,577,750 | 2,274 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8187% | 4,452 |
| Cost of funding earning assets | 0.5220% | 2,618 |
| Net interest margin | 3.2967% | 4,602 |
| Noninterest income to average assets | 0.3162% | 4,878 |
| Noninterest expense to average assets | 2.3863% | 4,919 |
| Loan and lease loss provision to assets | 0.0548% | 3,202 |
| Net operating income to assets | 0.9173% | 2,719 |
| Return on assets (ROA) | 0.8789% | 2,998 |
| Pretax return on assets | 0.9196% | 3,810 |
| Return on Equity (ROE) | 9.2356% | 2,484 |
| Retained earnings to average equity (ytd only) | -11.3245% | 6,448 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1726% | 3,628 |
| Assets per employee ($millions) | 5.7355% | 1,488 |
| Cash dividends to net income (ytd only)* | 222.6180% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9872% | 5,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6091% | 4,145 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 68.2382% | 2,377 |
| Net loans and leases to deposits | 88.5947% | 1,525 |
| Net loans and leases to core deposits | 100.8613% | 1,212 |
| Total domestic deposits to total assets | 77.0229% | 5,798 |
| Equity capital to assets | 9.3543% | 4,915 |
| Core capital (leverage) ratio | 9.3107% | 4,571 |
| Tier 1 risk-based capital ratio | 12.4661% | 5,247 |
| Total risk-based capital ratio | 13.3810% | 5,384 |
| Memoranda: | ||
| Average total assets | $255,537,330 | 2,495 |
| Average earning assets | $239,086,670 | 2,455 |
| Average equity | $24,319,000 | 2,727 |
| Average total loans | $175,366,330 | 2,288 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 4,381 |
| Cost of funding earning assets | 0.5009% | 2,900 |
| Net interest margin | 3.3249% | 4,441 |
| Noninterest income to average assets | 0.2926% | 5,034 |
| Noninterest expense to average assets | 2.3913% | 4,954 |
| Loan and lease loss provision to assets | 0.1101% | 2,101 |
| Net operating income to assets | 0.8636% | 2,832 |
| Return on assets (ROA) | 0.7866% | 3,297 |
| Pretax return on assets | 0.8228% | 4,013 |
| Return on Equity (ROE) | 8.1944% | 2,843 |
| Retained earnings to average equity (ytd only) | -32.7775% | 6,629 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2403% | 3,794 |
| Assets per employee ($millions) | 5.6507% | 1,577 |
| Cash dividends to net income (ytd only)* | 500.0000% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 5,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 4,329 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 68.1410% | 2,198 |
| Net loans and leases to deposits | 88.5599% | 1,301 |
| Net loans and leases to core deposits | 101.2450% | 1,019 |
| Total domestic deposits to total assets | 76.9434% | 5,974 |
| Equity capital to assets | 9.0382% | 5,073 |
| Core capital (leverage) ratio | 9.2768% | 4,608 |
| Tier 1 risk-based capital ratio | 12.0905% | 5,575 |
| Total risk-based capital ratio | 13.0017% | 5,721 |
| Memoranda: | ||
| Average total assets | $254,258,000 | 2,512 |
| Average earning assets | $237,963,500 | 2,470 |
| Average equity | $24,407,000 | 2,707 |
| Average total loans | $174,111,500 | 2,294 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9654% | 4,216 |
| Cost of funding earning assets | 0.6222% | 2,460 |
| Net interest margin | 3.3432% | 4,508 |
| Noninterest income to average assets | 0.3192% | 5,052 |
| Noninterest expense to average assets | 2.7713% | 3,829 |
| Loan and lease loss provision to assets | 0.1131% | 2,925 |
| Net operating income to assets | 0.5295% | 4,600 |
| Return on assets (ROA) | 0.1290% | 6,043 |
| Pretax return on assets | 0.1343% | 6,037 |
| Return on Equity (ROE) | 1.2239% | 6,041 |
| Retained earnings to average equity (ytd only) | -5.3603% | 6,389 |
| Net charge-offs to loans | 0.0395% | 4,673 |
| Credit loss provision to net charge-offs | 432.8125% | 526 |
| Earnings coverage of net charge-offs (x) | 25.4375% | 1,327 |
| Efficiency ratio | 80.6582% | 2,062 |
| Assets per employee ($millions) | 5.6497% | 1,515 |
| Cash dividends to net income (ytd only)* | 537.9747% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 5,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 4,337 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 67.4463% | 2,446 |
| Net loans and leases to deposits | 89.5171% | 1,280 |
| Net loans and leases to core deposits | 96.7768% | 1,399 |
| Total domestic deposits to total assets | 75.3445% | 6,158 |
| Equity capital to assets | 10.1860% | 3,525 |
| Core capital (leverage) ratio | 10.3549% | 3,082 |
| Tier 1 risk-based capital ratio | 13.6390% | 4,559 |
| Total risk-based capital ratio | 14.5492% | 4,728 |
| Memoranda: | ||
| Average total assets | $244,979,000 | 2,577 |
| Average earning assets | $228,375,200 | 2,529 |
| Average equity | $25,819,600 | 2,562 |
| Average total loans | $161,879,000 | 2,396 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9858% | 4,184 |
| Cost of funding earning assets | 0.6543% | 2,328 |
| Net interest margin | 3.3315% | 4,526 |
| Noninterest income to average assets | 0.3196% | 5,134 |
| Noninterest expense to average assets | 2.8105% | 3,626 |
| Loan and lease loss provision to assets | 0.1136% | 2,871 |
| Net operating income to assets | 0.4797% | 4,890 |
| Return on assets (ROA) | 0.2988% | 5,734 |
| Pretax return on assets | 0.3108% | 5,845 |
| Return on Equity (ROE) | 2.8111% | 5,672 |
| Retained earnings to average equity (ytd only) | -5.9254% | 6,535 |
| Net charge-offs to loans | 0.0533% | 4,142 |
| Credit loss provision to net charge-offs | 325.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 17.5315% | 1,730 |
| Efficiency ratio | 82.0967% | 1,812 |
| Assets per employee ($millions) | 4.8861% | 2,326 |
| Cash dividends to net income (ytd only)* | 310.7840% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 5,732 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6562% | 4,470 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.0658% | 2,445 |
| Net loans and leases to deposits | 89.9782% | 1,165 |
| Net loans and leases to core deposits | 97.1896% | 1,297 |
| Total domestic deposits to total assets | 74.5356% | 6,330 |
| Equity capital to assets | 10.4947% | 3,281 |
| Core capital (leverage) ratio | 10.5571% | 2,945 |
| Tier 1 risk-based capital ratio | 13.5030% | 4,756 |
| Total risk-based capital ratio | 14.3589% | 4,999 |
| Memoranda: | ||
| Average total assets | $244,077,250 | 2,598 |
| Average earning assets | $227,401,250 | 2,551 |
| Average equity | $25,944,250 | 2,583 |
| Average total loans | $160,011,750 | 2,442 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 4,041 |
| Cost of funding earning assets | 0.6982% | 2,073 |
| Net interest margin | 3.3181% | 4,496 |
| Noninterest income to average assets | 0.5586% | 3,447 |
| Noninterest expense to average assets | 2.7757% | 3,760 |
| Loan and lease loss provision to assets | 0.1531% | 2,404 |
| Net operating income to assets | 0.6931% | 3,838 |
| Return on assets (ROA) | 0.5415% | 4,766 |
| Pretax return on assets | 0.5634% | 5,156 |
| Return on Equity (ROE) | 5.0730% | 4,683 |
| Retained earnings to average equity (ytd only) | 5.0730% | 3,003 |
| Net charge-offs to loans | 0.0804% | 3,570 |
| Credit loss provision to net charge-offs | 293.7500% | 882 |
| Earnings coverage of net charge-offs (x) | 16.7813% | 1,641 |
| Efficiency ratio | 76.0428% | 2,780 |
| Assets per employee ($millions) | 4.4416% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 5,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 4,258 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.1794% | 2,557 |
| Net loans and leases to deposits | 87.5389% | 1,400 |
| Net loans and leases to core deposits | 94.5446% | 1,473 |
| Total domestic deposits to total assets | 75.6000% | 6,295 |
| Equity capital to assets | 11.3209% | 2,440 |
| Core capital (leverage) ratio | 11.2223% | 2,152 |
| Tier 1 risk-based capital ratio | 14.4691% | 4,123 |
| Total risk-based capital ratio | 15.3143% | 4,338 |
| Memoranda: | ||
| Average total assets | $245,630,670 | 2,592 |
| Average earning assets | $228,863,000 | 2,550 |
| Average equity | $26,217,000 | 2,568 |
| Average total loans | $159,287,670 | 2,453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,956 |
| Cost of funding earning assets | 0.7277% | 2,005 |
| Net interest margin | 3.3111% | 4,480 |
| Noninterest income to average assets | 0.5859% | 3,212 |
| Noninterest expense to average assets | 2.7169% | 3,992 |
| Loan and lease loss provision to assets | 0.2398% | 1,514 |
| Net operating income to assets | 0.6913% | 3,736 |
| Return on assets (ROA) | 0.6341% | 4,215 |
| Pretax return on assets | 0.6599% | 4,756 |
| Return on Equity (ROE) | 6.1206% | 3,973 |
| Retained earnings to average equity (ytd only) | 6.1206% | 2,612 |
| Net charge-offs to loans | 0.1612% | 2,436 |
| Credit loss provision to net charge-offs | 232.8125% | 981 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 1,850 |
| Efficiency ratio | 73.9054% | 3,283 |
| Assets per employee ($millions) | 4.6208% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9825% | 6,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 4,452 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 64.1141% | 2,681 |
| Net loans and leases to deposits | 84.7697% | 1,503 |
| Net loans and leases to core deposits | 91.3836% | 1,571 |
| Total domestic deposits to total assets | 75.6333% | 6,398 |
| Equity capital to assets | 10.9410% | 3,030 |
| Core capital (leverage) ratio | 11.0365% | 2,230 |
| Tier 1 risk-based capital ratio | 13.6168% | 4,780 |
| Total risk-based capital ratio | 14.4007% | 5,058 |
| Memoranda: | ||
| Average total assets | $248,522,000 | 2,596 |
| Average earning assets | $231,950,500 | 2,555 |
| Average equity | $25,749,000 | 2,635 |
| Average total loans | $158,768,000 | 2,466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4711% | 3,518 |
| Cost of funding earning assets | 0.9109% | 1,877 |
| Net interest margin | 3.5602% | 4,265 |
| Noninterest income to average assets | 0.4355% | 4,358 |
| Noninterest expense to average assets | 2.8998% | 3,643 |
| Loan and lease loss provision to assets | 0.3335% | 2,032 |
| Net operating income to assets | 0.4751% | 4,780 |
| Return on assets (ROA) | 0.3110% | 5,635 |
| Pretax return on assets | 0.3269% | 5,771 |
| Return on Equity (ROE) | 3.3355% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.3355% | 3,875 |
| Net charge-offs to loans | 1.2885% | 756 |
| Credit loss provision to net charge-offs | 41.5818% | 4,906 |
| Earnings coverage of net charge-offs (x) | 1.0388% | 4,952 |
| Efficiency ratio | 77.6793% | 2,498 |
| Assets per employee ($millions) | 4.5844% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 6,205 |
| Loan loss allowance to noncurrent loans | 3,006.1224% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.7670% | 4,546 |
| Noncurrent loans to loans | 0.0308% | 6,434 |
| Net loans and leases to total assets | 62.4601% | 3,172 |
| Net loans and leases to deposits | 79.9361% | 2,293 |
| Net loans and leases to core deposits | 85.9040% | 2,322 |
| Total domestic deposits to total assets | 78.1375% | 6,060 |
| Equity capital to assets | 9.7973% | 4,450 |
| Core capital (leverage) ratio | 10.5120% | 2,751 |
| Tier 1 risk-based capital ratio | 13.2320% | 4,939 |
| Total risk-based capital ratio | 13.9654% | 5,254 |
| Memoranda: | ||
| Average total assets | $256,950,800 | 2,469 |
| Average earning assets | $237,994,200 | 2,434 |
| Average equity | $23,954,600 | 2,748 |
| Average total loans | $159,953,000 | 2,432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 3,442 |
| Cost of funding earning assets | 0.9332% | 1,962 |
| Net interest margin | 3.6128% | 4,180 |
| Noninterest income to average assets | 0.3615% | 4,931 |
| Noninterest expense to average assets | 2.8427% | 3,833 |
| Loan and lease loss provision to assets | 0.3166% | 2,086 |
| Net operating income to assets | 0.5241% | 4,738 |
| Return on assets (ROA) | 0.4354% | 5,331 |
| Pretax return on assets | 0.4529% | 5,589 |
| Return on Equity (ROE) | 4.7290% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.7290% | 3,576 |
| Net charge-offs to loans | 1.6720% | 494 |
| Credit loss provision to net charge-offs | 30.5127% | 4,793 |
| Earnings coverage of net charge-offs (x) | 0.8308% | 4,914 |
| Efficiency ratio | 76.7322% | 2,556 |
| Assets per employee ($millions) | 4.4150% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 6,563 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 4,709 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.7067% | 3,631 |
| Net loans and leases to deposits | 79.3761% | 2,486 |
| Net loans and leases to core deposits | 89.1107% | 2,094 |
| Total domestic deposits to total assets | 76.4798% | 6,319 |
| Equity capital to assets | 9.6939% | 4,931 |
| Core capital (leverage) ratio | 10.5914% | 2,808 |
| Tier 1 risk-based capital ratio | 13.1680% | 5,117 |
| Total risk-based capital ratio | 13.8021% | 5,564 |
| Memoranda: | ||
| Average total assets | $258,153,500 | 2,478 |
| Average earning assets | $238,883,000 | 2,450 |
| Average equity | $23,767,500 | 2,796 |
| Average total loans | $160,201,250 | 2,452 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 3,099 |
| Cost of funding earning assets | 0.9582% | 2,008 |
| Net interest margin | 3.7010% | 3,814 |
| Noninterest income to average assets | 0.0502% | 6,857 |
| Noninterest expense to average assets | 2.8526% | 3,818 |
| Loan and lease loss provision to assets | 0.4365% | 1,484 |
| Net operating income to assets | 0.1626% | 6,016 |
| Return on assets (ROA) | 0.1151% | 6,286 |
| Pretax return on assets | 0.1198% | 6,288 |
| Return on Equity (ROE) | 1.2727% | 6,245 |
| Retained earnings to average equity (ytd only) | 1.2727% | 5,562 |
| Net charge-offs to loans | 0.5020% | 2,079 |
| Credit loss provision to net charge-offs | 139.5062% | 1,977 |
| Earnings coverage of net charge-offs (x) | 1.9358% | 4,013 |
| Efficiency ratio | 82.4844% | 1,818 |
| Assets per employee ($millions) | 4.2294% | 3,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 2,860 |
| Loan loss allowance to noncurrent loans | 103.0512% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.9216% | 2,879 |
| Noncurrent loans to loans | 1.7458% | 3,279 |
| Net loans and leases to total assets | 62.0583% | 3,424 |
| Net loans and leases to deposits | 82.3356% | 2,072 |
| Net loans and leases to core deposits | 87.3018% | 2,279 |
| Total domestic deposits to total assets | 75.3724% | 6,547 |
| Equity capital to assets | 9.4657% | 5,110 |
| Core capital (leverage) ratio | 10.1626% | 3,188 |
| Tier 1 risk-based capital ratio | 12.6606% | 5,442 |
| Total risk-based capital ratio | 13.9126% | 5,423 |
| Memoranda: | ||
| Average total assets | $258,848,330 | 2,474 |
| Average earning assets | $238,366,330 | 2,445 |
| Average equity | $23,415,670 | 2,814 |
| Average total loans | $161,357,330 | 2,446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 3,065 |
| Cost of funding earning assets | 0.9870% | 2,052 |
| Net interest margin | 3.7109% | 3,779 |
| Noninterest income to average assets | 0.4918% | 3,967 |
| Noninterest expense to average assets | 2.8538% | 3,808 |
| Loan and lease loss provision to assets | 0.1108% | 3,966 |
| Net operating income to assets | 0.8864% | 2,986 |
| Return on assets (ROA) | 0.7013% | 4,092 |
| Pretax return on assets | 0.7302% | 4,691 |
| Return on Equity (ROE) | 7.9267% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.9267% | 2,009 |
| Net charge-offs to loans | 0.4731% | 1,906 |
| Credit loss provision to net charge-offs | 37.8238% | 3,483 |
| Earnings coverage of net charge-offs (x) | 3.5285% | 2,809 |
| Efficiency ratio | 73.4088% | 3,191 |
| Assets per employee ($millions) | 4.1252% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 3,785 |
| Loan loss allowance to noncurrent loans | 68.6711% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 2.5003% | 2,367 |
| Noncurrent loans to loans | 2.3075% | 2,799 |
| Net loans and leases to total assets | 61.1318% | 3,422 |
| Net loans and leases to deposits | 81.8275% | 1,957 |
| Net loans and leases to core deposits | 88.0354% | 2,050 |
| Total domestic deposits to total assets | 74.7081% | 6,680 |
| Equity capital to assets | 9.0882% | 5,374 |
| Core capital (leverage) ratio | 10.0551% | 3,305 |
| Tier 1 risk-based capital ratio | 12.5243% | 5,584 |
| Total risk-based capital ratio | 13.7476% | 5,569 |
| Memoranda: | ||
| Average total assets | $263,506,000 | 2,443 |
| Average earning assets | $241,126,000 | 2,439 |
| Average equity | $23,313,500 | 2,818 |
| Average total loans | $163,189,500 | 2,432 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9801% | 2,966 |
| Cost of funding earning assets | 1.3837% | 1,107 |
| Net interest margin | 3.5964% | 4,749 |
| Noninterest income to average assets | -0.6613% | 7,286 |
| Noninterest expense to average assets | 2.6951% | 4,760 |
| Loan and lease loss provision to assets | 0.0098% | 6,412 |
| Net operating income to assets | -0.0681% | 6,127 |
| Return on assets (ROA) | 0.1535% | 5,863 |
| Pretax return on assets | 0.1597% | 5,870 |
| Return on Equity (ROE) | 1.7899% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.7899% | 4,938 |
| Net charge-offs to loans | 0.1792% | 4,714 |
| Credit loss provision to net charge-offs | 8.7948% | 6,019 |
| Earnings coverage of net charge-offs (x) | -0.5505% | 6,094 |
| Efficiency ratio | 102.3288% | 611 |
| Assets per employee ($millions) | 4.3085% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 3,501 |
| Loan loss allowance to noncurrent loans | 252.4034% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 3,890 |
| Noncurrent loans to loans | 0.6432% | 5,421 |
| Net loans and leases to total assets | 60.7466% | 3,841 |
| Net loans and leases to deposits | 80.7687% | 2,396 |
| Net loans and leases to core deposits | 90.2217% | 2,098 |
| Total domestic deposits to total assets | 75.2106% | 6,575 |
| Equity capital to assets | 8.6132% | 5,998 |
| Core capital (leverage) ratio | 9.6714% | 3,774 |
| Tier 1 risk-based capital ratio | 12.0463% | 5,807 |
| Total risk-based capital ratio | 13.2968% | 5,785 |
| Memoranda: | ||
| Average total assets | $275,535,000 | 2,300 |
| Average earning assets | $252,444,400 | 2,286 |
| Average equity | $23,632,400 | 2,713 |
| Average total loans | $171,277,800 | 2,363 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 3,216 |
| Cost of funding earning assets | 1.4464% | 1,035 |
| Net interest margin | 3.5282% | 5,065 |
| Noninterest income to average assets | -0.0375% | 7,145 |
| Noninterest expense to average assets | 2.6086% | 5,048 |
| Loan and lease loss provision to assets | 0.0130% | 6,271 |
| Net operating income to assets | 0.5581% | 4,281 |
| Return on assets (ROA) | 0.4562% | 4,932 |
| Pretax return on assets | 0.4750% | 5,243 |
| Return on Equity (ROE) | 5.3246% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.3246% | 2,971 |
| Net charge-offs to loans | 0.2052% | 4,158 |
| Credit loss provision to net charge-offs | 10.1504% | 5,661 |
| Earnings coverage of net charge-offs (x) | 4.6503% | 2,996 |
| Efficiency ratio | 81.4515% | 2,048 |
| Assets per employee ($millions) | 4.4287% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6166% | 3,585 |
| Loan loss allowance to noncurrent loans | 217.1725% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 3.2139% | 1,982 |
| Noncurrent loans to loans | 0.7444% | 5,389 |
| Net loans and leases to total assets | 62.2736% | 3,651 |
| Net loans and leases to deposits | 85.1344% | 1,814 |
| Net loans and leases to core deposits | 100.1507% | 1,235 |
| Total domestic deposits to total assets | 73.1474% | 6,841 |
| Equity capital to assets | 9.2511% | 5,448 |
| Core capital (leverage) ratio | 9.8170% | 3,687 |
| Tier 1 risk-based capital ratio | 12.0069% | 5,889 |
| Total risk-based capital ratio | 13.2469% | 5,885 |
| Memoranda: | ||
| Average total assets | $277,637,250 | 2,296 |
| Average earning assets | $254,971,500 | 2,282 |
| Average equity | $23,788,500 | 2,696 |
| Average total loans | $172,860,250 | 2,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 3,397 |
| Cost of funding earning assets | 1.5012% | 1,001 |
| Net interest margin | 3.4485% | 5,374 |
| Noninterest income to average assets | 0.0980% | 6,836 |
| Noninterest expense to average assets | 2.5653% | 5,309 |
| Loan and lease loss provision to assets | 0.0192% | 6,047 |
| Net operating income to assets | 0.6552% | 3,774 |
| Return on assets (ROA) | 0.5788% | 4,290 |
| Pretax return on assets | 0.6023% | 4,733 |
| Return on Equity (ROE) | 6.9291% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.9291% | 1,910 |
| Net charge-offs to loans | 0.0998% | 4,684 |
| Credit loss provision to net charge-offs | 31.0345% | 4,972 |
| Earnings coverage of net charge-offs (x) | 11.3448% | 1,725 |
| Efficiency ratio | 78.5388% | 2,623 |
| Assets per employee ($millions) | 4.8599% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7256% | 3,242 |
| Loan loss allowance to noncurrent loans | 231.2051% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 3.2861% | 2,031 |
| Noncurrent loans to loans | 0.7464% | 5,418 |
| Net loans and leases to total assets | 59.5574% | 4,361 |
| Net loans and leases to deposits | 82.9369% | 2,289 |
| Net loans and leases to core deposits | 99.3221% | 1,403 |
| Total domestic deposits to total assets | 71.8106% | 7,020 |
| Equity capital to assets | 8.7280% | 5,908 |
| Core capital (leverage) ratio | 9.5438% | 3,889 |
| Tier 1 risk-based capital ratio | 11.9598% | 5,816 |
| Total risk-based capital ratio | 13.2141% | 5,792 |
| Memoranda: | ||
| Average total assets | $281,609,330 | 2,275 |
| Average earning assets | $258,723,330 | 2,266 |
| Average equity | $23,524,000 | 2,697 |
| Average total loans | $174,416,000 | 2,359 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0143% | 3,040 |
| Cost of funding earning assets | 1.5749% | 899 |
| Net interest margin | 3.4394% | 5,265 |
| Noninterest income to average assets | 0.3480% | 5,122 |
| Noninterest expense to average assets | 2.5149% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9572% | 2,323 |
| Return on assets (ROA) | 0.9707% | 2,344 |
| Pretax return on assets | 1.0102% | 3,094 |
| Return on Equity (ROE) | 11.8808% | 1,492 |
| Retained earnings to average equity (ytd only) | 11.8808% | 753 |
| Net charge-offs to loans | -0.0608% | 6,948 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6292% | 3,937 |
| Assets per employee ($millions) | 4.4339% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7542% | 3,158 |
| Loan loss allowance to noncurrent loans | 1,292.2078% | 313 |
| Noncurrent assets plus other real estate owned to assets | 3.0773% | 2,240 |
| Noncurrent loans to loans | 0.1358% | 6,704 |
| Net loans and leases to total assets | 59.8489% | 4,293 |
| Net loans and leases to deposits | 84.8771% | 1,901 |
| Net loans and leases to core deposits | 105.4970% | 966 |
| Total domestic deposits to total assets | 70.5125% | 7,156 |
| Equity capital to assets | 8.3019% | 6,160 |
| Core capital (leverage) ratio | 9.1666% | 4,346 |
| Tier 1 risk-based capital ratio | 12.1477% | 5,553 |
| Total risk-based capital ratio | 13.3994% | 5,547 |
| Memoranda: | ||
| Average total assets | $283,906,500 | 2,274 |
| Average earning assets | $261,091,500 | 2,260 |
| Average equity | $23,197,000 | 2,727 |
| Average total loans | $177,684,000 | 2,338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 3,948 |
| Cost of funding earning assets | 1.7996% | 1,173 |
| Net interest margin | 3.3324% | 5,861 |
| Noninterest income to average assets | 0.2612% | 5,926 |
| Noninterest expense to average assets | 2.6167% | 5,348 |
| Loan and lease loss provision to assets | 0.1248% | 5,914 |
| Net operating income to assets | 0.6079% | 3,634 |
| Return on assets (ROA) | 0.4098% | 4,632 |
| Pretax return on assets | 0.4216% | 4,880 |
| Return on Equity (ROE) | 5.0459% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.7510% | 3,242 |
| Net charge-offs to loans | 0.7099% | 2,883 |
| Credit loss provision to net charge-offs | 27.0389% | 6,514 |
| Earnings coverage of net charge-offs (x) | 1.6260% | 4,519 |
| Efficiency ratio | 77.7073% | 2,757 |
| Assets per employee ($millions) | 4.5075% | 2,855 |
| Cash dividends to net income (ytd only)* | 25.6623% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 3,581 |
| Loan loss allowance to noncurrent loans | 59,160.0000% | 6 |
| Noncurrent assets plus other real estate owned to assets | 2.9098% | 2,409 |
| Noncurrent loans to loans | 0.0027% | 7,167 |
| Net loans and leases to total assets | 63.1750% | 4,033 |
| Net loans and leases to deposits | 92.6687% | 1,177 |
| Net loans and leases to core deposits | 116.9165% | 609 |
| Total domestic deposits to total assets | 68.1730% | 7,316 |
| Equity capital to assets | 8.0436% | 6,448 |
| Core capital (leverage) ratio | 8.7912% | 4,872 |
| Tier 1 risk-based capital ratio | 11.1603% | 6,208 |
| Total risk-based capital ratio | 12.4111% | 6,182 |
| Memoranda: | ||
| Average total assets | $294,798,800 | 2,181 |
| Average earning assets | $274,784,400 | 2,152 |
| Average equity | $23,940,400 | 2,662 |
| Average total loans | $191,715,800 | 2,234 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 4,243 |
| Cost of funding earning assets | 1.8446% | 1,239 |
| Net interest margin | 3.2692% | 6,114 |
| Noninterest income to average assets | 0.0454% | 7,295 |
| Noninterest expense to average assets | 2.5359% | 5,582 |
| Loan and lease loss provision to assets | 0.0972% | 6,050 |
| Net operating income to assets | 0.4562% | 4,512 |
| Return on assets (ROA) | 0.5295% | 4,358 |
| Pretax return on assets | 0.5448% | 4,777 |
| Return on Equity (ROE) | 6.5050% | 3,573 |
| Retained earnings to average equity (ytd only) | 4.7917% | 3,134 |
| Net charge-offs to loans | 0.6186% | 2,892 |
| Credit loss provision to net charge-offs | 24.0803% | 6,211 |
| Earnings coverage of net charge-offs (x) | 1.4036% | 4,681 |
| Efficiency ratio | 81.7430% | 2,088 |
| Assets per employee ($millions) | 4.6468% | 2,688 |
| Cash dividends to net income (ytd only)* | 26.3380% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7503% | 2,993 |
| Loan loss allowance to noncurrent loans | 134.1263% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 3.4547% | 2,058 |
| Noncurrent loans to loans | 1.3049% | 4,684 |
| Net loans and leases to total assets | 63.7138% | 4,178 |
| Net loans and leases to deposits | 96.5450% | 922 |
| Net loans and leases to core deposits | 141.3609% | 244 |
| Total domestic deposits to total assets | 65.9939% | 7,470 |
| Equity capital to assets | 8.3474% | 6,456 |
| Core capital (leverage) ratio | 8.8022% | 5,005 |
| Tier 1 risk-based capital ratio | 10.7757% | 6,567 |
| Total risk-based capital ratio | 12.0274% | 6,548 |
| Memoranda: | ||
| Average total assets | $296,379,000 | 2,210 |
| Average earning assets | $277,120,750 | 2,167 |
| Average equity | $24,124,500 | 2,688 |
| Average total loans | $193,343,750 | 2,258 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0773% | 4,575 |
| Cost of funding earning assets | 1.8833% | 1,292 |
| Net interest margin | 3.1941% | 6,336 |
| Noninterest income to average assets | -0.1003% | 7,628 |
| Noninterest expense to average assets | 2.3788% | 6,118 |
| Loan and lease loss provision to assets | 0.0067% | 6,823 |
| Net operating income to assets | 0.5020% | 4,320 |
| Return on assets (ROA) | 0.5309% | 4,345 |
| Pretax return on assets | 0.5429% | 4,766 |
| Return on Equity (ROE) | 6.5757% | 3,512 |
| Retained earnings to average equity (ytd only) | 4.0083% | 3,529 |
| Net charge-offs to loans | 0.2424% | 4,144 |
| Credit loss provision to net charge-offs | 4.2194% | 5,989 |
| Earnings coverage of net charge-offs (x) | 3.2827% | 3,387 |
| Efficiency ratio | 82.0572% | 2,160 |
| Assets per employee ($millions) | 4.8011% | 2,447 |
| Cash dividends to net income (ytd only)* | 39.0428% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9558% | 2,288 |
| Loan loss allowance to noncurrent loans | 59.8265% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 3.8164% | 1,822 |
| Noncurrent loans to loans | 3.2691% | 2,455 |
| Net loans and leases to total assets | 63.7260% | 4,314 |
| Net loans and leases to deposits | 96.8084% | 980 |
| Net loans and leases to core deposits | 125.8339% | 517 |
| Total domestic deposits to total assets | 65.8269% | 7,533 |
| Equity capital to assets | 8.3341% | 6,379 |
| Core capital (leverage) ratio | 8.3132% | 5,739 |
| Tier 1 risk-based capital ratio | 10.4294% | 6,737 |
| Total risk-based capital ratio | 11.6833% | 6,722 |
| Memoranda: | ||
| Average total assets | $299,138,330 | 2,206 |
| Average earning assets | $280,895,670 | 2,154 |
| Average equity | $24,149,670 | 2,679 |
| Average total loans | $195,515,000 | 2,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 4,770 |
| Cost of funding earning assets | 1.9219% | 1,363 |
| Net interest margin | 3.1321% | 6,510 |
| Noninterest income to average assets | 0.2977% | 5,766 |
| Noninterest expense to average assets | 2.2642% | 6,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9474% | 2,369 |
| Return on assets (ROA) | 1.1050% | 1,898 |
| Pretax return on assets | 1.1500% | 2,552 |
| Return on Equity (ROE) | 13.9048% | 1,068 |
| Retained earnings to average equity (ytd only) | 10.9073% | 938 |
| Net charge-offs to loans | 0.0606% | 4,809 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 24.8333% | 999 |
| Efficiency ratio | 69.6661% | 4,379 |
| Assets per employee ($millions) | 4.8738% | 2,403 |
| Cash dividends to net income (ytd only)* | 21.5569% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 2,203 |
| Loan loss allowance to noncurrent loans | 41.9072% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 4.2712% | 1,595 |
| Noncurrent loans to loans | 4.7600% | 1,549 |
| Net loans and leases to total assets | 65.8610% | 3,893 |
| Net loans and leases to deposits | 101.0568% | 690 |
| Net loans and leases to core deposits | 133.8202% | 409 |
| Total domestic deposits to total assets | 65.1723% | 7,643 |
| Equity capital to assets | 8.5174% | 5,980 |
| Core capital (leverage) ratio | 8.4239% | 5,514 |
| Tier 1 risk-based capital ratio | 10.3283% | 6,787 |
| Total risk-based capital ratio | 11.5822% | 6,785 |
| Memoranda: | ||
| Average total assets | $302,273,500 | 2,236 |
| Average earning assets | $284,921,000 | 2,175 |
| Average equity | $24,020,500 | 2,717 |
| Average total loans | $198,094,500 | 2,294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5545% | 3,844 |
| Cost of funding earning assets | 2.4539% | 1,137 |
| Net interest margin | 3.1007% | 6,370 |
| Noninterest income to average assets | 0.5138% | 4,302 |
| Noninterest expense to average assets | 2.5667% | 5,904 |
| Loan and lease loss provision to assets | 1.3785% | 1,664 |
| Net operating income to assets | -0.5215% | 6,209 |
| Return on assets (ROA) | -0.4965% | 6,172 |
| Pretax return on assets | -0.5176% | 6,025 |
| Return on Equity (ROE) | -6.0401% | 6,305 |
| Retained earnings to average equity (ytd only) | -12.0760% | 6,686 |
| Net charge-offs to loans | 1.2714% | 1,948 |
| Credit loss provision to net charge-offs | 153.9066% | 2,968 |
| Earnings coverage of net charge-offs (x) | 0.9321% | 5,178 |
| Efficiency ratio | 75.4575% | 3,624 |
| Assets per employee ($millions) | 4.8769% | 2,366 |
| Cash dividends to net income (ytd only)* | -99.9292% | 7,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 2,080 |
| Loan loss allowance to noncurrent loans | 37.5940% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 3.7431% | 1,781 |
| Noncurrent loans to loans | 5.2621% | 1,250 |
| Net loans and leases to total assets | 62.7079% | 4,864 |
| Net loans and leases to deposits | 91.8569% | 1,918 |
| Net loans and leases to core deposits | 120.5827% | 1,910 |
| Total domestic deposits to total assets | 68.2669% | 7,526 |
| Equity capital to assets | 7.4118% | 7,111 |
| Core capital (leverage) ratio | 8.4729% | 5,317 |
| Tier 1 risk-based capital ratio | 8.5352% | 7,579 |
| Total risk-based capital ratio | 9.7883% | 7,608 |
| Memoranda: | ||
| Average total assets | $284,372,400 | 2,317 |
| Average earning assets | $264,847,000 | 2,285 |
| Average equity | $23,377,000 | 2,793 |
| Average total loans | $200,324,200 | 2,297 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7499% | 3,099 |
| Cost of funding earning assets | 2.5599% | 1,135 |
| Net interest margin | 3.1900% | 6,057 |
| Noninterest income to average assets | 0.5753% | 3,889 |
| Noninterest expense to average assets | 2.6139% | 5,667 |
| Loan and lease loss provision to assets | 0.7521% | 2,490 |
| Net operating income to assets | 0.1624% | 5,282 |
| Return on assets (ROA) | 0.0995% | 5,515 |
| Pretax return on assets | 0.1028% | 5,519 |
| Return on Equity (ROE) | 1.1775% | 5,438 |
| Retained earnings to average equity (ytd only) | -6.7070% | 6,473 |
| Net charge-offs to loans | 1.0055% | 1,957 |
| Credit loss provision to net charge-offs | 103.5053% | 4,916 |
| Earnings coverage of net charge-offs (x) | 1.2659% | 4,823 |
| Efficiency ratio | 73.9698% | 3,867 |
| Assets per employee ($millions) | 4.3152% | 3,183 |
| Cash dividends to net income (ytd only)* | 669.5714% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,515 |
| Loan loss allowance to noncurrent loans | 21.6514% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 4.7064% | 1,271 |
| Noncurrent loans to loans | 5.9979% | 986 |
| Net loans and leases to total assets | 71.2652% | 3,204 |
| Net loans and leases to deposits | 104.9506% | 711 |
| Net loans and leases to core deposits | 129.5848% | 1,457 |
| Total domestic deposits to total assets | 67.9036% | 7,586 |
| Equity capital to assets | 9.2057% | 5,157 |
| Core capital (leverage) ratio | 9.2626% | 4,243 |
| Tier 1 risk-based capital ratio | 9.5823% | 7,315 |
| Total risk-based capital ratio | 10.5457% | 7,483 |
| Memoranda: | ||
| Average total assets | $277,435,000 | 2,383 |
| Average earning assets | $257,295,750 | 2,361 |
| Average equity | $23,437,750 | 2,813 |
| Average total loans | $200,486,500 | 2,318 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8889% | 2,639 |
| Cost of funding earning assets | 2.6630% | 1,133 |
| Net interest margin | 3.2259% | 5,822 |
| Noninterest income to average assets | 0.6461% | 3,373 |
| Noninterest expense to average assets | 2.5910% | 5,776 |
| Loan and lease loss provision to assets | 0.8154% | 2,052 |
| Net operating income to assets | 0.2045% | 5,248 |
| Return on assets (ROA) | 0.1114% | 5,630 |
| Pretax return on assets | 0.1158% | 5,641 |
| Return on Equity (ROE) | 1.3602% | 5,515 |
| Retained earnings to average equity (ytd only) | -9.5746% | 6,828 |
| Net charge-offs to loans | 1.1241% | 1,618 |
| Credit loss provision to net charge-offs | 100.3562% | 4,549 |
| Earnings coverage of net charge-offs (x) | 1.2654% | 4,582 |
| Efficiency ratio | 71.5914% | 4,485 |
| Assets per employee ($millions) | 4.5401% | 2,711 |
| Cash dividends to net income (ytd only)* | 803.8961% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,372 |
| Loan loss allowance to noncurrent loans | 78.0635% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.6156% | 3,791 |
| Noncurrent loans to loans | 1.6452% | 4,029 |
| Net loans and leases to total assets | 69.3338% | 3,871 |
| Net loans and leases to deposits | 100.4610% | 1,242 |
| Net loans and leases to core deposits | 126.6352% | 1,807 |
| Total domestic deposits to total assets | 69.0156% | 7,555 |
| Equity capital to assets | 8.9716% | 5,355 |
| Core capital (leverage) ratio | 8.9987% | 4,633 |
| Tier 1 risk-based capital ratio | 10.7780% | 6,113 |
| Total risk-based capital ratio | 11.8375% | 6,245 |
| Memoranda: | ||
| Average total assets | $276,417,000 | 2,408 |
| Average earning assets | $254,750,330 | 2,400 |
| Average equity | $22,643,330 | 2,894 |
| Average total loans | $199,808,330 | 2,353 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0508% | 2,148 |
| Cost of funding earning assets | 2.6432% | 1,437 |
| Net interest margin | 3.4076% | 5,109 |
| Noninterest income to average assets | 0.5817% | 3,672 |
| Noninterest expense to average assets | 2.4697% | 5,959 |
| Loan and lease loss provision to assets | 0.3579% | 3,173 |
| Net operating income to assets | 0.8880% | 2,745 |
| Return on assets (ROA) | 0.8880% | 2,897 |
| Pretax return on assets | 0.9248% | 3,621 |
| Return on Equity (ROE) | 11.4126% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.8166% | 1,885 |
| Net charge-offs to loans | 0.4336% | 2,376 |
| Credit loss provision to net charge-offs | 112.5000% | 3,447 |
| Earnings coverage of net charge-offs (x) | 4.0324% | 3,001 |
| Efficiency ratio | 65.8163% | 5,359 |
| Assets per employee ($millions) | 4.5319% | 2,669 |
| Cash dividends to net income (ytd only)* | 31.5091% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,049 |
| Loan loss allowance to noncurrent loans | 102.6409% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 4,737 |
| Noncurrent loans to loans | 1.2711% | 4,442 |
| Net loans and leases to total assets | 71.2539% | 3,414 |
| Net loans and leases to deposits | 102.1707% | 1,161 |
| Net loans and leases to core deposits | 129.5870% | 1,692 |
| Total domestic deposits to total assets | 69.7401% | 7,448 |
| Equity capital to assets | 7.8253% | 7,034 |
| Core capital (leverage) ratio | 7.8187% | 6,724 |
| Tier 1 risk-based capital ratio | 9.7549% | 7,198 |
| Total risk-based capital ratio | 10.9400% | 7,178 |
| Memoranda: | ||
| Average total assets | $271,613,000 | 2,448 |
| Average earning assets | $252,726,500 | 2,426 |
| Average equity | $21,134,500 | 3,103 |
| Average total loans | $199,266,500 | 2,378 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7111% | 1,991 |
| Cost of funding earning assets | 3.2769% | 985 |
| Net interest margin | 3.4342% | 5,529 |
| Noninterest income to average assets | 0.5346% | 4,364 |
| Noninterest expense to average assets | 2.5120% | 5,956 |
| Loan and lease loss provision to assets | 0.3378% | 3,693 |
| Net operating income to assets | 0.8538% | 3,212 |
| Return on assets (ROA) | 0.8739% | 2,967 |
| Pretax return on assets | 0.9074% | 3,696 |
| Return on Equity (ROE) | 11.6878% | 1,689 |
| Retained earnings to average equity (ytd only) | 5.7446% | 1,644 |
| Net charge-offs to loans | 0.1873% | 4,326 |
| Credit loss provision to net charge-offs | 246.3889% | 1,892 |
| Earnings coverage of net charge-offs (x) | 8.9306% | 2,792 |
| Efficiency ratio | 67.2340% | 4,867 |
| Assets per employee ($millions) | 4.3734% | 2,838 |
| Cash dividends to net income (ytd only)* | 50.8497% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 3,816 |
| Loan loss allowance to noncurrent loans | 187.4182% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 5,635 |
| Noncurrent loans to loans | 0.6911% | 5,312 |
| Net loans and leases to total assets | 73.6088% | 3,203 |
| Net loans and leases to deposits | 105.0916% | 1,218 |
| Net loans and leases to core deposits | 131.9660% | 1,725 |
| Total domestic deposits to total assets | 70.0425% | 7,271 |
| Equity capital to assets | 7.7353% | 7,168 |
| Core capital (leverage) ratio | 7.6472% | 7,010 |
| Tier 1 risk-based capital ratio | 9.9282% | 6,814 |
| Total risk-based capital ratio | 11.1458% | 6,735 |
| Memoranda: | ||
| Average total assets | $262,617,800 | 2,441 |
| Average earning assets | $244,834,400 | 2,411 |
| Average equity | $19,635,800 | 3,284 |
| Average total loans | $192,203,200 | 2,371 |