Home > Rolling Hills Bank & Trust > Performance and Condition Ratios
Rolling Hills Bank & Trust, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6137% | 1,849 |
| Cost of funding earning assets | 1.7736% | 2,524 |
| Net interest margin | 3.8402% | 1,604 |
| Noninterest income to average assets | 0.2300% | 3,365 |
| Noninterest expense to average assets | 1.9470% | 3,648 |
| Loan and lease loss provision to assets | 0.1100% | 1,177 |
| Net operating income to assets | 1.3353% | 1,401 |
| Return on assets (ROA) | 1.3332% | 1,400 |
| Pretax return on assets | 1.7384% | 1,044 |
| Return on Equity (ROE) | 10.8400% | 2,072 |
| Retained earnings to average equity (ytd only) | -6.6106% | 4,158 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 51.2427% | 3,809 |
| Assets per employee ($millions) | 7.2010% | 2,080 |
| Cash dividends to net income (ytd only)* | 160.9788% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,122 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 75.5900% | 1,139 |
| Net loans and leases to deposits | 87.1431% | 1,383 |
| Net loans and leases to core deposits | 100.3090% | 1,350 |
| Total domestic deposits to total assets | 86.7500% | 2,025 |
| Equity capital to assets | 12.1685% | 1,165 |
| Core capital (leverage) ratio | 10.7624% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $465,940,500 | 1,876 |
| Average earning assets | $432,794,500 | 1,874 |
| Average equity | $57,302,000 | 1,600 |
| Average total loans | $359,398,500 | 1,678 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 1,885 |
| Cost of funding earning assets | 1.7813% | 2,767 |
| Net interest margin | 3.8456% | 1,426 |
| Noninterest income to average assets | 0.2700% | 3,250 |
| Noninterest expense to average assets | 2.0274% | 3,555 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.3583% | 1,158 |
| Return on assets (ROA) | 1.3592% | 1,147 |
| Pretax return on assets | 1.7698% | 872 |
| Return on Equity (ROE) | 10.9700% | 1,898 |
| Retained earnings to average equity (ytd only) | 6.4177% | 1,659 |
| Net charge-offs to loans | 0.0020% | 2,951 |
| Credit loss provision to net charge-offs | 2,428.5714% | 193 |
| Earnings coverage of net charge-offs (x) | 1,143.5714% | 115 |
| Efficiency ratio | 52.8730% | 3,806 |
| Assets per employee ($millions) | 7.3622% | 1,930 |
| Cash dividends to net income (ytd only)* | 41.5213% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,374 |
| Loan loss allowance to noncurrent loans | 14,036.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 3,743 |
| Noncurrent loans to loans | 0.0069% | 3,720 |
| Net loans and leases to total assets | 77.1500% | 1,000 |
| Net loans and leases to deposits | 89.0684% | 1,288 |
| Net loans and leases to core deposits | 102.4526% | 1,308 |
| Total domestic deposits to total assets | 86.6200% | 1,991 |
| Equity capital to assets | 12.4290% | 1,041 |
| Core capital (leverage) ratio | 11.4272% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $442,990,800 | 1,929 |
| Average earning assets | $410,364,600 | 1,917 |
| Average equity | $54,863,600 | 1,608 |
| Average total loans | $344,691,000 | 1,699 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 1,899 |
| Cost of funding earning assets | 1.7676% | 2,801 |
| Net interest margin | 3.8351% | 1,402 |
| Noninterest income to average assets | 0.2600% | 3,292 |
| Noninterest expense to average assets | 1.9738% | 3,616 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | 1.3837% | 1,128 |
| Return on assets (ROA) | 1.3827% | 1,132 |
| Pretax return on assets | 1.8005% | 871 |
| Return on Equity (ROE) | 11.1700% | 1,854 |
| Retained earnings to average equity (ytd only) | 5.0213% | 2,460 |
| Net charge-offs to loans | 0.0023% | 2,684 |
| Credit loss provision to net charge-offs | 2,333.3333% | 204 |
| Earnings coverage of net charge-offs (x) | 1,009.3333% | 117 |
| Efficiency ratio | 51.6950% | 3,886 |
| Assets per employee ($millions) | 6.5331% | 2,483 |
| Cash dividends to net income (ytd only)* | 55.0661% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,282 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 80.2900% | 594 |
| Net loans and leases to deposits | 93.5828% | 893 |
| Net loans and leases to core deposits | 107.1892% | 1,067 |
| Total domestic deposits to total assets | 85.8000% | 2,006 |
| Equity capital to assets | 13.0728% | 951 |
| Core capital (leverage) ratio | 11.5794% | 1,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $437,783,750 | 1,936 |
| Average earning assets | $405,959,250 | 1,926 |
| Average equity | $54,167,500 | 1,618 |
| Average total loans | $340,529,500 | 1,705 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 1,995 |
| Cost of funding earning assets | 1.7256% | 2,814 |
| Net interest margin | 3.7649% | 1,486 |
| Noninterest income to average assets | 0.2500% | 3,346 |
| Noninterest expense to average assets | 1.9342% | 3,689 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.3565% | 1,154 |
| Return on assets (ROA) | 1.3532% | 1,173 |
| Pretax return on assets | 1.7623% | 902 |
| Return on Equity (ROE) | 11.1400% | 1,836 |
| Retained earnings to average equity (ytd only) | 1.7854% | 3,408 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 51.5695% | 3,922 |
| Assets per employee ($millions) | 6.5927% | 2,343 |
| Cash dividends to net income (ytd only)* | 83.9772% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 3,249 |
| Loan loss allowance to noncurrent loans | 13,824.0000% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,768 |
| Noncurrent loans to loans | 0.0073% | 3,735 |
| Net loans and leases to total assets | 78.1900% | 887 |
| Net loans and leases to deposits | 91.2140% | 1,188 |
| Net loans and leases to core deposits | 103.6939% | 1,275 |
| Total domestic deposits to total assets | 85.7300% | 2,067 |
| Equity capital to assets | 12.4834% | 1,016 |
| Core capital (leverage) ratio | 11.0831% | 1,971 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $439,983,333 | 1,927 |
| Average earning assets | $408,670,000 | 1,913 |
| Average equity | $53,434,000 | 1,613 |
| Average total loans | $337,477,333 | 1,721 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 2,078 |
| Cost of funding earning assets | 1.6558% | 2,852 |
| Net interest margin | 3.7060% | 1,522 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 1.8987% | 3,781 |
| Loan and lease loss provision to assets | 0.1000% | 1,031 |
| Net operating income to assets | 1.2920% | 1,252 |
| Return on assets (ROA) | 1.2920% | 1,258 |
| Pretax return on assets | 1.6844% | 980 |
| Return on Equity (ROE) | 10.7900% | 1,908 |
| Retained earnings to average equity (ytd only) | -8.0842% | 4,246 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.5590% | 3,935 |
| Assets per employee ($millions) | 6.7088% | 2,276 |
| Cash dividends to net income (ytd only)* | 174.9475% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0399% | 3,107 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 75.4200% | 1,151 |
| Net loans and leases to deposits | 91.1938% | 1,108 |
| Net loans and leases to core deposits | 102.0098% | 1,301 |
| Total domestic deposits to total assets | 82.7100% | 3,045 |
| Equity capital to assets | 12.0533% | 1,109 |
| Core capital (leverage) ratio | 10.6836% | 2,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $442,417,500 | 1,915 |
| Average earning assets | $410,680,500 | 1,907 |
| Average equity | $52,992,500 | 1,616 |
| Average total loans | $334,372,000 | 1,725 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,975 |
| Cost of funding earning assets | 1.2604% | 2,631 |
| Net interest margin | 3.7894% | 1,579 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.9451% | 3,744 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.4466% | 1,124 |
| Return on assets (ROA) | 1.4545% | 1,079 |
| Pretax return on assets | 1.9008% | 772 |
| Return on Equity (ROE) | 12.9000% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.8947% | 812 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 50.6187% | 3,934 |
| Assets per employee ($millions) | 7.2381% | 1,910 |
| Cash dividends to net income (ytd only)* | 15.5666% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,346 |
| 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 | 74.2100% | 1,325 |
| Net loans and leases to deposits | 90.7861% | 1,208 |
| Net loans and leases to core deposits | 100.7307% | 1,385 |
| Total domestic deposits to total assets | 81.7500% | 3,170 |
| Equity capital to assets | 11.9048% | 1,163 |
| Core capital (leverage) ratio | 10.7239% | 2,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $441,665,400 | 1,888 |
| Average earning assets | $409,565,000 | 1,879 |
| Average equity | $49,785,800 | 1,614 |
| Average total loans | $325,692,000 | 1,697 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9663% | 1,899 |
| Cost of funding earning assets | 1.1147% | 2,699 |
| Net interest margin | 3.8516% | 1,493 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.8892% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5452% | 1,033 |
| Return on assets (ROA) | 1.5510% | 1,010 |
| Pretax return on assets | 2.0274% | 735 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.2308% | 1,121 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.3253% | 4,024 |
| Assets per employee ($millions) | 7.0812% | 1,896 |
| Cash dividends to net income (ytd only)* | 19.5427% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,382 |
| Loan loss allowance to noncurrent loans | 5,436.0656% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 3,703 |
| Noncurrent loans to loans | 0.0184% | 3,641 |
| Net loans and leases to total assets | 73.7300% | 1,371 |
| Net loans and leases to deposits | 91.5381% | 1,092 |
| Net loans and leases to core deposits | 101.1987% | 1,250 |
| Total domestic deposits to total assets | 80.5400% | 3,453 |
| Equity capital to assets | 11.5338% | 1,170 |
| Core capital (leverage) ratio | 10.6360% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $439,891,250 | 1,889 |
| Average earning assets | $407,991,250 | 1,882 |
| Average equity | $48,876,250 | 1,629 |
| Average total loans | $323,017,250 | 1,707 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8357% | 1,914 |
| Cost of funding earning assets | 0.9461% | 2,790 |
| Net interest margin | 3.8897% | 1,446 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.8396% | 3,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5570% | 1,012 |
| Return on assets (ROA) | 1.5628% | 997 |
| Pretax return on assets | 2.0433% | 698 |
| Return on Equity (ROE) | 14.2500% | 1,630 |
| Retained earnings to average equity (ytd only) | 10.0839% | 1,381 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 47.4658% | 4,097 |
| Assets per employee ($millions) | 6.8354% | 2,052 |
| Cash dividends to net income (ytd only)* | 29.2312% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 3,249 |
| Loan loss allowance to noncurrent loans | 3,532.2917% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 2,997 |
| Noncurrent loans to loans | 0.0294% | 3,540 |
| Net loans and leases to total assets | 72.6700% | 1,454 |
| Net loans and leases to deposits | 85.0075% | 1,588 |
| Net loans and leases to core deposits | 92.6802% | 1,643 |
| Total domestic deposits to total assets | 85.4900% | 2,394 |
| Equity capital to assets | 11.1301% | 1,330 |
| Core capital (leverage) ratio | 10.3862% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $437,816,333 | 1,890 |
| Average earning assets | $406,307,333 | 1,894 |
| Average equity | $48,017,000 | 1,650 |
| Average total loans | $319,947,000 | 1,706 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7245% | 1,788 |
| Cost of funding earning assets | 0.7874% | 2,778 |
| Net interest margin | 3.9371% | 1,393 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.8087% | 4,014 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6132% | 959 |
| Return on assets (ROA) | 1.6191% | 947 |
| Pretax return on assets | 2.1189% | 637 |
| Return on Equity (ROE) | 14.8800% | 1,574 |
| Retained earnings to average equity (ytd only) | 6.4186% | 2,664 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.1376% | 4,207 |
| Assets per employee ($millions) | 6.9936% | 1,986 |
| Cash dividends to net income (ytd only)* | 56.8505% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 3,102 |
| Loan loss allowance to noncurrent loans | 3,532.2917% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,767 |
| Noncurrent loans to loans | 0.0309% | 3,539 |
| Net loans and leases to total assets | 70.9000% | 1,537 |
| Net loans and leases to deposits | 81.8709% | 1,663 |
| Net loans and leases to core deposits | 88.0988% | 1,731 |
| Total domestic deposits to total assets | 86.6000% | 2,409 |
| Equity capital to assets | 11.0532% | 1,326 |
| Core capital (leverage) ratio | 9.7985% | 2,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $434,575,000 | 1,924 |
| Average earning assets | $402,835,500 | 1,929 |
| Average equity | $47,300,000 | 1,679 |
| Average total loans | $316,783,000 | 1,735 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7791% | 2,334 |
| Cost of funding earning assets | 0.3498% | 2,474 |
| Net interest margin | 3.4292% | 2,152 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.7438% | 4,098 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3189% | 1,361 |
| Return on assets (ROA) | 1.3180% | 1,325 |
| Pretax return on assets | 1.7272% | 865 |
| Return on Equity (ROE) | 12.4300% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.7483% | 945 |
| Net charge-offs to loans | -0.0397% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.2222% | 4,114 |
| Assets per employee ($millions) | 6.9134% | 2,032 |
| Cash dividends to net income (ytd only)* | 13.5062% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 3,118 |
| Loan loss allowance to noncurrent loans | 3,532.2917% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 2,771 |
| Noncurrent loans to loans | 0.0297% | 3,579 |
| Net loans and leases to total assets | 73.3300% | 1,277 |
| Net loans and leases to deposits | 84.2039% | 1,453 |
| Net loans and leases to core deposits | 90.1422% | 1,496 |
| Total domestic deposits to total assets | 87.0800% | 2,369 |
| Equity capital to assets | 10.7160% | 1,367 |
| Core capital (leverage) ratio | 9.8773% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $421,318,200 | 1,944 |
| Average earning assets | $390,202,600 | 1,945 |
| Average equity | $44,686,200 | 1,761 |
| Average total loans | $289,668,800 | 1,772 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5443% | 2,480 |
| Cost of funding earning assets | 0.2813% | 2,370 |
| Net interest margin | 3.2630% | 2,415 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.6807% | 4,185 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2322% | 1,579 |
| Return on assets (ROA) | 1.2297% | 1,566 |
| Pretax return on assets | 1.6111% | 1,094 |
| Return on Equity (ROE) | 11.6300% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.3625% | 1,533 |
| Net charge-offs to loans | -0.0545% | 4,330 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.0074% | 4,091 |
| Assets per employee ($millions) | 6.7759% | 2,111 |
| Cash dividends to net income (ytd only)* | 19.4654% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 3,040 |
| Loan loss allowance to noncurrent loans | 2,734.6774% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.1188% | 2,778 |
| Noncurrent loans to loans | 0.0400% | 3,604 |
| Net loans and leases to total assets | 72.9000% | 1,190 |
| Net loans and leases to deposits | 83.8120% | 1,314 |
| Net loans and leases to core deposits | 86.7372% | 1,484 |
| Total domestic deposits to total assets | 86.9800% | 2,768 |
| Equity capital to assets | 10.7189% | 1,284 |
| Core capital (leverage) ratio | 9.6611% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $417,761,000 | 1,969 |
| Average earning assets | $387,199,000 | 1,971 |
| Average equity | $44,189,500 | 1,805 |
| Average total loans | $281,395,250 | 1,800 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 2,977 |
| Cost of funding earning assets | 0.2404% | 2,391 |
| Net interest margin | 2.9823% | 2,933 |
| Noninterest income to average assets | 0.2518% | 3,658 |
| Noninterest expense to average assets | 1.6490% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0467% | 1,989 |
| Return on assets (ROA) | 1.0418% | 1,983 |
| Pretax return on assets | 1.3636% | 1,539 |
| Return on Equity (ROE) | 9.8932% | 2,371 |
| Retained earnings to average equity (ytd only) | 6.4770% | 2,182 |
| Net charge-offs to loans | -0.0735% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6235% | 3,902 |
| Assets per employee ($millions) | 6.6539% | 2,207 |
| Cash dividends to net income (ytd only)* | 34.5304% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1853% | 2,766 |
| Loan loss allowance to noncurrent loans | 12,057.1429% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 3,059 |
| Noncurrent loans to loans | 0.0098% | 3,920 |
| Net loans and leases to total assets | 66.0902% | 1,677 |
| Net loans and leases to deposits | 75.6277% | 1,715 |
| Net loans and leases to core deposits | 77.4223% | 1,896 |
| Total domestic deposits to total assets | 87.3889% | 2,803 |
| Equity capital to assets | 10.3762% | 1,492 |
| Core capital (leverage) ratio | 9.1249% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $416,978,667 | 1,986 |
| Average earning assets | $386,880,667 | 1,994 |
| Average equity | $43,909,000 | 1,861 |
| Average total loans | $271,973,333 | 1,845 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9902% | 3,283 |
| Cost of funding earning assets | 0.2252% | 2,461 |
| Net interest margin | 2.7650% | 3,241 |
| Noninterest income to average assets | 0.2414% | 3,701 |
| Noninterest expense to average assets | 1.6376% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8900% | 2,317 |
| Return on assets (ROA) | 0.8862% | 2,333 |
| Pretax return on assets | 1.1587% | 1,959 |
| Return on Equity (ROE) | 8.3528% | 2,568 |
| Retained earnings to average equity (ytd only) | 1.4987% | 3,694 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4631% | 3,637 |
| Assets per employee ($millions) | 6.7596% | 2,181 |
| Cash dividends to net income (ytd only)* | 82.0569% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 2,561 |
| Loan loss allowance to noncurrent loans | 2,141.1765% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 3,155 |
| Noncurrent loans to loans | 0.0587% | 3,567 |
| Net loans and leases to total assets | 59.4776% | 2,117 |
| Net loans and leases to deposits | 67.7867% | 2,180 |
| Net loans and leases to core deposits | 69.1085% | 2,368 |
| Total domestic deposits to total assets | 87.7422% | 2,649 |
| Equity capital to assets | 10.0369% | 1,863 |
| Core capital (leverage) ratio | 9.0932% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,544,000 | 2,008 |
| Average earning assets | $381,920,500 | 2,020 |
| Average equity | $43,770,000 | 1,926 |
| Average total loans | $265,550,000 | 1,857 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6967% | 2,124 |
| Cost of funding earning assets | 0.3373% | 2,050 |
| Net interest margin | 3.3594% | 2,141 |
| Noninterest income to average assets | 0.2811% | 3,710 |
| Noninterest expense to average assets | 1.8821% | 3,963 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1142% | 2,229 |
| Return on assets (ROA) | 1.1284% | 2,233 |
| Pretax return on assets | 1.5135% | 1,674 |
| Return on Equity (ROE) | 10.2150% | 2,452 |
| Retained earnings to average equity (ytd only) | 8.4366% | 1,375 |
| Net charge-offs to loans | -0.0443% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7236% | 3,731 |
| Assets per employee ($millions) | 6.6521% | 2,196 |
| Cash dividends to net income (ytd only)* | 17.4095% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,829 |
| Loan loss allowance to noncurrent loans | 812.9032% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 3,217 |
| Noncurrent loans to loans | 0.1490% | 3,190 |
| Net loans and leases to total assets | 68.0911% | 1,253 |
| Net loans and leases to deposits | 78.9086% | 1,305 |
| Net loans and leases to core deposits | 81.0034% | 1,520 |
| Total domestic deposits to total assets | 86.2910% | 2,805 |
| Equity capital to assets | 11.2413% | 1,637 |
| Core capital (leverage) ratio | 9.7873% | 2,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $381,764,200 | 2,056 |
| Average earning assets | $351,882,200 | 2,075 |
| Average equity | $42,173,200 | 2,010 |
| Average total loans | $259,584,800 | 1,880 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8637% | 1,882 |
| Cost of funding earning assets | 0.3636% | 1,995 |
| Net interest margin | 3.5001% | 1,860 |
| Noninterest income to average assets | 0.2729% | 3,786 |
| Noninterest expense to average assets | 1.8950% | 3,955 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1894% | 2,202 |
| Return on assets (ROA) | 1.2060% | 2,205 |
| Pretax return on assets | 1.6288% | 1,610 |
| Return on Equity (ROE) | 10.9672% | 2,380 |
| Retained earnings to average equity (ytd only) | 8.5685% | 1,853 |
| Net charge-offs to loans | -0.0597% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1018% | 3,798 |
| Assets per employee ($millions) | 6.2767% | 2,443 |
| Cash dividends to net income (ytd only)* | 21.8723% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,643 |
| Loan loss allowance to noncurrent loans | 3,448.4211% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,004 |
| Noncurrent loans to loans | 0.0367% | 3,944 |
| Net loans and leases to total assets | 67.7882% | 1,345 |
| Net loans and leases to deposits | 80.1756% | 1,277 |
| Net loans and leases to core deposits | 82.6730% | 1,524 |
| Total domestic deposits to total assets | 84.5497% | 3,281 |
| Equity capital to assets | 11.4936% | 1,685 |
| Core capital (leverage) ratio | 9.7945% | 2,723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,087,000 | 2,086 |
| Average earning assets | $349,809,750 | 2,101 |
| Average equity | $41,686,750 | 2,054 |
| Average total loans | $256,852,250 | 1,925 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7465% | 2,210 |
| Cost of funding earning assets | 0.3825% | 2,034 |
| Net interest margin | 3.3641% | 2,263 |
| Noninterest income to average assets | 0.2574% | 3,851 |
| Noninterest expense to average assets | 1.7999% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1367% | 2,407 |
| Return on assets (ROA) | 1.1608% | 2,388 |
| Pretax return on assets | 1.5951% | 1,743 |
| Return on Equity (ROE) | 10.7158% | 2,522 |
| Retained earnings to average equity (ytd only) | 7.0710% | 2,406 |
| Net charge-offs to loans | -0.0008% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4971% | 3,867 |
| Assets per employee ($millions) | 6.2568% | 2,382 |
| Cash dividends to net income (ytd only)* | 34.0136% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,680 |
| Loan loss allowance to noncurrent loans | 226.6667% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 2,146 |
| Noncurrent loans to loans | 0.5513% | 2,020 |
| Net loans and leases to total assets | 65.4736% | 1,756 |
| Net loans and leases to deposits | 77.5367% | 1,676 |
| Net loans and leases to core deposits | 80.4581% | 1,853 |
| Total domestic deposits to total assets | 84.4421% | 3,296 |
| Equity capital to assets | 11.0204% | 1,956 |
| Core capital (leverage) ratio | 9.2796% | 3,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,915,667 | 2,078 |
| Average earning assets | $350,884,000 | 2,085 |
| Average equity | $41,154,000 | 2,056 |
| Average total loans | $256,280,667 | 1,933 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 3,476 |
| Cost of funding earning assets | 0.4036% | 2,065 |
| Net interest margin | 2.8848% | 3,566 |
| Noninterest income to average assets | 0.2459% | 3,923 |
| Noninterest expense to average assets | 1.6895% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9396% | 3,010 |
| Return on assets (ROA) | 0.9846% | 2,954 |
| Pretax return on assets | 1.2759% | 2,637 |
| Return on Equity (ROE) | 9.1694% | 2,975 |
| Retained earnings to average equity (ytd only) | 1.7985% | 4,054 |
| Net charge-offs to loans | -0.0016% | 3,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0914% | 3,286 |
| Assets per employee ($millions) | 6.5788% | 2,111 |
| Cash dividends to net income (ytd only)* | 80.3859% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,832 |
| Loan loss allowance to noncurrent loans | 71.9454% | 3,692 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 680 |
| Noncurrent loans to loans | 1.6927% | 713 |
| Net loans and leases to total assets | 66.0764% | 1,795 |
| Net loans and leases to deposits | 77.7495% | 1,746 |
| Net loans and leases to core deposits | 81.0797% | 1,901 |
| Total domestic deposits to total assets | 84.9863% | 3,100 |
| Equity capital to assets | 10.5085% | 2,266 |
| Core capital (leverage) ratio | 9.0565% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $379,041,000 | 2,066 |
| Average earning assets | $349,834,000 | 2,080 |
| Average equity | $40,700,500 | 2,058 |
| Average total loans | $257,895,000 | 1,924 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 2,935 |
| Cost of funding earning assets | 0.6831% | 1,814 |
| Net interest margin | 3.2476% | 3,222 |
| Noninterest income to average assets | 0.2958% | 3,716 |
| Noninterest expense to average assets | 1.9654% | 4,207 |
| Loan and lease loss provision to assets | 0.0250% | 4,082 |
| Net operating income to assets | 0.9796% | 2,355 |
| Return on assets (ROA) | 0.9796% | 2,504 |
| Pretax return on assets | 1.2704% | 2,083 |
| Return on Equity (ROE) | 8.5051% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.5867% | 1,554 |
| Net charge-offs to loans | 0.0349% | 2,350 |
| Credit loss provision to net charge-offs | 95.5056% | 2,882 |
| Earnings coverage of net charge-offs (x) | 49.4045% | 1,215 |
| Efficiency ratio | 60.2729% | 3,418 |
| Assets per employee ($millions) | 6.2700% | 2,102 |
| Cash dividends to net income (ytd only)* | 22.5564% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,778 |
| Loan loss allowance to noncurrent loans | 66.3657% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 630 |
| Noncurrent loans to loans | 1.8595% | 654 |
| Net loans and leases to total assets | 68.3886% | 1,777 |
| Net loans and leases to deposits | 81.0678% | 1,757 |
| Net loans and leases to core deposits | 85.0258% | 1,951 |
| Total domestic deposits to total assets | 84.3597% | 2,996 |
| Equity capital to assets | 10.9783% | 2,268 |
| Core capital (leverage) ratio | 9.4002% | 3,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $339,427,600 | 2,098 |
| Average earning assets | $309,890,200 | 2,118 |
| Average equity | $39,094,000 | 2,048 |
| Average total loans | $255,359,600 | 1,901 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 2,948 |
| Cost of funding earning assets | 0.7414% | 1,790 |
| Net interest margin | 3.2673% | 3,292 |
| Noninterest income to average assets | 0.2821% | 3,797 |
| Noninterest expense to average assets | 1.9549% | 4,243 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0050% | 2,322 |
| Return on assets (ROA) | 1.0050% | 2,448 |
| Pretax return on assets | 1.3040% | 2,031 |
| Return on Equity (ROE) | 8.6133% | 2,560 |
| Retained earnings to average equity (ytd only) | 6.0303% | 2,094 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9877% | 3,390 |
| Assets per employee ($millions) | 6.1063% | 2,172 |
| Cash dividends to net income (ytd only)* | 29.9880% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 2,656 |
| Loan loss allowance to noncurrent loans | 61.9980% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.4667% | 592 |
| Noncurrent loans to loans | 1.9368% | 641 |
| Net loans and leases to total assets | 74.8202% | 1,264 |
| Net loans and leases to deposits | 89.5141% | 1,319 |
| Net loans and leases to core deposits | 94.6517% | 1,581 |
| Total domestic deposits to total assets | 83.5849% | 2,957 |
| Equity capital to assets | 11.4320% | 2,063 |
| Core capital (leverage) ratio | 9.6547% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $331,802,000 | 2,110 |
| Average earning assets | $302,297,500 | 2,137 |
| Average equity | $38,714,500 | 2,058 |
| Average total loans | $255,161,750 | 1,892 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1023% | 3,052 |
| Cost of funding earning assets | 0.8001% | 1,825 |
| Net interest margin | 3.3022% | 3,381 |
| Noninterest income to average assets | 0.2721% | 3,847 |
| Noninterest expense to average assets | 1.9817% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9951% | 2,349 |
| Return on assets (ROA) | 0.9951% | 2,474 |
| Pretax return on assets | 1.2923% | 2,051 |
| Return on Equity (ROE) | 8.4680% | 2,573 |
| Retained earnings to average equity (ytd only) | 4.5573% | 2,678 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5278% | 3,339 |
| Assets per employee ($millions) | 5.8815% | 2,287 |
| Cash dividends to net income (ytd only)* | 46.1823% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,484 |
| Loan loss allowance to noncurrent loans | 57.4514% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 542 |
| Noncurrent loans to loans | 2.0993% | 612 |
| Net loans and leases to total assets | 76.0005% | 1,139 |
| Net loans and leases to deposits | 91.0141% | 1,265 |
| Net loans and leases to core deposits | 96.5209% | 1,534 |
| Total domestic deposits to total assets | 83.5041% | 2,927 |
| Equity capital to assets | 11.4063% | 2,035 |
| Core capital (leverage) ratio | 9.7263% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $326,383,667 | 2,110 |
| Average earning assets | $296,712,333 | 2,144 |
| Average equity | $38,356,000 | 2,062 |
| Average total loans | $252,355,000 | 1,886 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3182% | 2,866 |
| Cost of funding earning assets | 0.8772% | 1,981 |
| Net interest margin | 3.4410% | 3,185 |
| Noninterest income to average assets | 0.2959% | 3,752 |
| Noninterest expense to average assets | 2.0125% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0783% | 1,910 |
| Return on assets (ROA) | 1.0783% | 2,013 |
| Pretax return on assets | 1.4018% | 1,559 |
| Return on Equity (ROE) | 9.0339% | 2,098 |
| Retained earnings to average equity (ytd only) | 1.1555% | 3,704 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9423% | 3,883 |
| Assets per employee ($millions) | 5.4178% | 2,207 |
| Cash dividends to net income (ytd only)* | 87.2093% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,259 |
| Loan loss allowance to noncurrent loans | 57.4410% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.7237% | 561 |
| Noncurrent loans to loans | 2.2193% | 598 |
| Net loans and leases to total assets | 76.6821% | 1,187 |
| Net loans and leases to deposits | 92.7848% | 1,202 |
| Net loans and leases to core deposits | 103.0436% | 1,241 |
| Total domestic deposits to total assets | 82.6452% | 3,223 |
| Equity capital to assets | 11.9298% | 2,122 |
| Core capital (leverage) ratio | 9.9616% | 3,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $319,011,500 | 2,096 |
| Average earning assets | $289,101,000 | 2,145 |
| Average equity | $38,079,000 | 2,066 |
| Average total loans | $247,320,500 | 1,883 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7578% | 2,175 |
| Cost of funding earning assets | 0.9508% | 1,956 |
| Net interest margin | 3.8069% | 2,481 |
| Noninterest income to average assets | 0.3402% | 3,671 |
| Noninterest expense to average assets | 2.2075% | 4,144 |
| Loan and lease loss provision to assets | 0.2107% | 950 |
| Net operating income to assets | 1.0415% | 2,691 |
| Return on assets (ROA) | 1.0415% | 2,783 |
| Pretax return on assets | 1.3524% | 2,322 |
| Return on Equity (ROE) | 8.6232% | 2,899 |
| Retained earnings to average equity (ytd only) | 4.5338% | 2,690 |
| Net charge-offs to loans | -0.0100% | 4,470 |
| Credit loss provision to net charge-offs | -2,560.0000% | 4,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5451% | 3,904 |
| Assets per employee ($millions) | 5.2192% | 2,328 |
| Cash dividends to net income (ytd only)* | 47.4233% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,002 |
| Loan loss allowance to noncurrent loans | 57.3681% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 529 |
| Noncurrent loans to loans | 2.2394% | 547 |
| Net loans and leases to total assets | 76.3873% | 1,345 |
| Net loans and leases to deposits | 92.5463% | 1,303 |
| Net loans and leases to core deposits | 102.7275% | 1,338 |
| Total domestic deposits to total assets | 82.5396% | 3,350 |
| Equity capital to assets | 11.9433% | 2,169 |
| Core capital (leverage) ratio | 10.1340% | 3,375 |
| Tier 1 risk-based capital ratio | 11.5517% | 4,604 |
| Total risk-based capital ratio | 12.7328% | 4,511 |
| Memoranda: | ||
| Average total assets | $303,688,400 | 2,147 |
| Average earning assets | $273,657,800 | 2,184 |
| Average equity | $36,680,000 | 2,069 |
| Average total loans | $249,226,600 | 1,832 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 2,022 |
| Cost of funding earning assets | 0.9547% | 1,974 |
| Net interest margin | 3.8771% | 2,336 |
| Noninterest income to average assets | 0.3378% | 3,713 |
| Noninterest expense to average assets | 2.2434% | 4,084 |
| Loan and lease loss provision to assets | 0.2622% | 599 |
| Net operating income to assets | 1.0217% | 2,904 |
| Return on assets (ROA) | 1.0217% | 2,976 |
| Pretax return on assets | 1.3261% | 2,580 |
| Return on Equity (ROE) | 8.4340% | 3,141 |
| Retained earnings to average equity (ytd only) | 2.9312% | 3,921 |
| Net charge-offs to loans | 0.0032% | 3,299 |
| Credit loss provision to net charge-offs | 9,833.3333% | 36 |
| Earnings coverage of net charge-offs (x) | 595.6513% | 166 |
| Efficiency ratio | 58.5479% | 3,854 |
| Assets per employee ($millions) | 5.2284% | 2,306 |
| Cash dividends to net income (ytd only)* | 65.2457% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 2,414 |
| Loan loss allowance to noncurrent loans | 54.7294% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 1.8582% | 516 |
| Noncurrent loans to loans | 2.2264% | 563 |
| Net loans and leases to total assets | 82.4466% | 511 |
| Net loans and leases to deposits | 100.6838% | 588 |
| Net loans and leases to core deposits | 113.2478% | 785 |
| Total domestic deposits to total assets | 81.8867% | 3,499 |
| Equity capital to assets | 12.2537% | 2,075 |
| Core capital (leverage) ratio | 10.2231% | 3,394 |
| Tier 1 risk-based capital ratio | 10.9812% | 4,913 |
| Total risk-based capital ratio | 12.1066% | 4,867 |
| Memoranda: | ||
| Average total assets | $300,017,750 | 2,182 |
| Average earning assets | $270,364,500 | 2,226 |
| Average equity | $36,344,000 | 2,090 |
| Average total loans | $249,943,250 | 1,839 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7703% | 2,160 |
| Cost of funding earning assets | 0.9183% | 2,062 |
| Net interest margin | 3.8520% | 2,404 |
| Noninterest income to average assets | 0.3218% | 3,782 |
| Noninterest expense to average assets | 2.2807% | 4,052 |
| Loan and lease loss provision to assets | 0.2944% | 474 |
| Net operating income to assets | 0.9413% | 3,123 |
| Return on assets (ROA) | 0.9413% | 3,192 |
| Pretax return on assets | 1.2210% | 2,841 |
| Return on Equity (ROE) | 7.8010% | 3,378 |
| Retained earnings to average equity (ytd only) | -0.5156% | 4,767 |
| Net charge-offs to loans | 0.0024% | 3,086 |
| Credit loss provision to net charge-offs | 14,666.6667% | 14 |
| Earnings coverage of net charge-offs (x) | 755.0000% | 104 |
| Efficiency ratio | 60.0811% | 3,720 |
| Assets per employee ($millions) | 5.2426% | 2,213 |
| Cash dividends to net income (ytd only)* | 106.6098% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 2,690 |
| Loan loss allowance to noncurrent loans | 52.6155% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 525 |
| Noncurrent loans to loans | 2.2159% | 605 |
| Net loans and leases to total assets | 83.3157% | 430 |
| Net loans and leases to deposits | 101.7658% | 559 |
| Net loans and leases to core deposits | 113.0719% | 815 |
| Total domestic deposits to total assets | 81.8700% | 3,556 |
| Equity capital to assets | 12.1363% | 2,089 |
| Core capital (leverage) ratio | 9.8048% | 3,821 |
| Tier 1 risk-based capital ratio | 10.7085% | 5,039 |
| Total risk-based capital ratio | 11.7857% | 5,007 |
| Memoranda: | ||
| Average total assets | $298,941,670 | 2,190 |
| Average earning assets | $269,628,000 | 2,233 |
| Average equity | $36,072,330 | 2,098 |
| Average total loans | $248,891,000 | 1,851 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6800% | 2,295 |
| Cost of funding earning assets | 0.8569% | 2,236 |
| Net interest margin | 3.8232% | 2,441 |
| Noninterest income to average assets | 0.3090% | 3,806 |
| Noninterest expense to average assets | 2.2796% | 4,075 |
| Loan and lease loss provision to assets | 0.1940% | 834 |
| Net operating income to assets | 0.9819% | 2,918 |
| Return on assets (ROA) | 0.9819% | 2,960 |
| Pretax return on assets | 1.2736% | 2,556 |
| Return on Equity (ROE) | 8.1612% | 3,185 |
| Retained earnings to average equity (ytd only) | -8.5170% | 5,050 |
| Net charge-offs to loans | 0.0032% | 2,624 |
| Credit loss provision to net charge-offs | 7,250.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 548.5000% | 131 |
| Efficiency ratio | 60.8354% | 3,695 |
| Assets per employee ($millions) | 5.2843% | 2,189 |
| Cash dividends to net income (ytd only)* | 204.3597% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 3,279 |
| Loan loss allowance to noncurrent loans | 49.5315% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.7410% | 626 |
| Noncurrent loans to loans | 2.1647% | 663 |
| Net loans and leases to total assets | 79.5643% | 896 |
| Net loans and leases to deposits | 96.3492% | 930 |
| Net loans and leases to core deposits | 105.1847% | 1,228 |
| Total domestic deposits to total assets | 82.5791% | 3,551 |
| Equity capital to assets | 11.6132% | 2,301 |
| Core capital (leverage) ratio | 9.8690% | 3,741 |
| Tier 1 risk-based capital ratio | 10.7188% | 5,102 |
| Total risk-based capital ratio | 11.7120% | 5,098 |
| Memoranda: | ||
| Average total assets | $298,997,000 | 2,202 |
| Average earning assets | $268,886,500 | 2,247 |
| Average equity | $35,975,000 | 2,100 |
| Average total loans | $247,381,500 | 1,873 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 2,103 |
| Cost of funding earning assets | 0.6033% | 2,688 |
| Net interest margin | 4.0095% | 1,956 |
| Noninterest income to average assets | 0.3410% | 3,833 |
| Noninterest expense to average assets | 2.3146% | 4,085 |
| Loan and lease loss provision to assets | 0.1462% | 1,460 |
| Net operating income to assets | 1.1381% | 2,441 |
| Return on assets (ROA) | 1.1381% | 2,441 |
| Pretax return on assets | 1.4783% | 1,848 |
| Return on Equity (ROE) | 9.2539% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.3898% | 1,977 |
| Net charge-offs to loans | 0.1071% | 1,677 |
| Credit loss provision to net charge-offs | 158.3969% | 1,749 |
| Earnings coverage of net charge-offs (x) | 17.6031% | 2,182 |
| Efficiency ratio | 58.7588% | 4,043 |
| Assets per employee ($millions) | 4.9408% | 2,570 |
| Cash dividends to net income (ytd only)* | 30.9502% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,636 |
| Loan loss allowance to noncurrent loans | 47.0367% | 4,366 |
| Noncurrent assets plus other real estate owned to assets | 1.8233% | 560 |
| Noncurrent loans to loans | 2.1409% | 613 |
| Net loans and leases to total assets | 84.3087% | 389 |
| Net loans and leases to deposits | 103.2687% | 525 |
| Net loans and leases to core deposits | 112.4078% | 860 |
| Total domestic deposits to total assets | 81.6402% | 3,739 |
| Equity capital to assets | 12.4721% | 1,590 |
| Core capital (leverage) ratio | 10.4168% | 3,123 |
| Tier 1 risk-based capital ratio | 10.8655% | 5,037 |
| Total risk-based capital ratio | 11.7929% | 5,062 |
| Memoranda: | ||
| Average total assets | $283,899,600 | 2,246 |
| Average earning assets | $254,768,800 | 2,304 |
| Average equity | $34,915,000 | 2,078 |
| Average total loans | $244,678,800 | 1,856 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5620% | 2,098 |
| Cost of funding earning assets | 0.5452% | 2,892 |
| Net interest margin | 4.0168% | 1,909 |
| Noninterest income to average assets | 0.3371% | 3,906 |
| Noninterest expense to average assets | 2.2964% | 4,112 |
| Loan and lease loss provision to assets | 0.1608% | 1,200 |
| Net operating income to assets | 1.1480% | 2,443 |
| Return on assets (ROA) | 1.1480% | 2,455 |
| Pretax return on assets | 1.4922% | 1,924 |
| Return on Equity (ROE) | 9.3685% | 2,923 |
| Retained earnings to average equity (ytd only) | 5.5100% | 2,944 |
| Net charge-offs to loans | 0.1263% | 1,252 |
| Credit loss provision to net charge-offs | 147.1861% | 1,737 |
| Earnings coverage of net charge-offs (x) | 15.1343% | 2,248 |
| Efficiency ratio | 58.1468% | 4,098 |
| Assets per employee ($millions) | 4.9292% | 2,557 |
| Cash dividends to net income (ytd only)* | 41.1862% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,732 |
| Loan loss allowance to noncurrent loans | 46.4272% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 1.8828% | 595 |
| Noncurrent loans to loans | 2.1617% | 663 |
| Net loans and leases to total assets | 86.2236% | 244 |
| Net loans and leases to deposits | 109.4728% | 307 |
| Net loans and leases to core deposits | 113.8520% | 828 |
| Total domestic deposits to total assets | 78.7626% | 4,365 |
| Equity capital to assets | 12.6534% | 1,492 |
| Core capital (leverage) ratio | 10.3306% | 3,252 |
| Tier 1 risk-based capital ratio | 10.6790% | 5,183 |
| Total risk-based capital ratio | 11.5997% | 5,201 |
| Memoranda: | ||
| Average total assets | $281,998,000 | 2,266 |
| Average earning assets | $253,594,750 | 2,327 |
| Average equity | $34,554,500 | 2,098 |
| Average total loans | $243,782,250 | 1,866 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4503% | 2,257 |
| Cost of funding earning assets | 0.5064% | 2,963 |
| Net interest margin | 3.9440% | 2,053 |
| Noninterest income to average assets | 0.3251% | 4,017 |
| Noninterest expense to average assets | 2.2781% | 4,195 |
| Loan and lease loss provision to assets | 0.1877% | 942 |
| Net operating income to assets | 1.0866% | 2,631 |
| Return on assets (ROA) | 1.0866% | 2,643 |
| Pretax return on assets | 1.4125% | 2,101 |
| Return on Equity (ROE) | 8.9650% | 3,037 |
| Retained earnings to average equity (ytd only) | 3.1208% | 4,001 |
| Net charge-offs to loans | 0.1898% | 823 |
| Credit loss provision to net charge-offs | 114.7186% | 1,842 |
| Earnings coverage of net charge-offs (x) | 9.7792% | 2,373 |
| Efficiency ratio | 58.7397% | 4,122 |
| Assets per employee ($millions) | 4.8242% | 2,654 |
| Cash dividends to net income (ytd only)* | 65.1890% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 4,043 |
| Loan loss allowance to noncurrent loans | 45.2404% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 1.8491% | 615 |
| Noncurrent loans to loans | 2.1319% | 666 |
| Net loans and leases to total assets | 85.8985% | 275 |
| Net loans and leases to deposits | 104.9416% | 486 |
| Net loans and leases to core deposits | 105.4599% | 1,281 |
| Total domestic deposits to total assets | 81.8536% | 3,771 |
| Equity capital to assets | 12.1769% | 1,734 |
| Core capital (leverage) ratio | 9.6538% | 3,939 |
| Tier 1 risk-based capital ratio | 10.3110% | 5,337 |
| Total risk-based capital ratio | 11.2008% | 5,388 |
| Memoranda: | ||
| Average total assets | $282,341,670 | 2,266 |
| Average earning assets | $254,363,670 | 2,327 |
| Average equity | $34,222,000 | 2,120 |
| Average total loans | $243,471,000 | 1,873 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,330 |
| Cost of funding earning assets | 0.4523% | 3,188 |
| Net interest margin | 3.9050% | 2,027 |
| Noninterest income to average assets | 0.3257% | 3,978 |
| Noninterest expense to average assets | 2.2034% | 4,407 |
| Loan and lease loss provision to assets | 0.2347% | 659 |
| Net operating income to assets | 1.0754% | 2,545 |
| Return on assets (ROA) | 1.0754% | 2,557 |
| Pretax return on assets | 1.3997% | 2,002 |
| Return on Equity (ROE) | 8.8932% | 2,958 |
| Retained earnings to average equity (ytd only) | -2.8703% | 5,072 |
| Net charge-offs to loans | 0.3838% | 409 |
| Credit loss provision to net charge-offs | 71.1207% | 1,820 |
| Earnings coverage of net charge-offs (x) | 4.9526% | 2,266 |
| Efficiency ratio | 57.4129% | 4,419 |
| Assets per employee ($millions) | 4.8066% | 2,728 |
| Cash dividends to net income (ytd only)* | 132.2751% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 4,297 |
| Loan loss allowance to noncurrent loans | 43.3213% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.8558% | 648 |
| Noncurrent loans to loans | 2.1495% | 714 |
| Net loans and leases to total assets | 85.5323% | 296 |
| Net loans and leases to deposits | 106.5626% | 361 |
| Net loans and leases to core deposits | 107.2192% | 1,169 |
| Total domestic deposits to total assets | 80.2649% | 4,374 |
| Equity capital to assets | 11.9471% | 1,828 |
| Core capital (leverage) ratio | 9.8419% | 3,719 |
| Tier 1 risk-based capital ratio | 10.0975% | 5,477 |
| Total risk-based capital ratio | 10.9561% | 5,518 |
| Memoranda: | ||
| Average total assets | $281,197,500 | 2,294 |
| Average earning assets | $252,906,000 | 2,348 |
| Average equity | $34,003,500 | 2,142 |
| Average total loans | $241,769,500 | 1,888 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 1,874 |
| Cost of funding earning assets | 0.3481% | 3,734 |
| Net interest margin | 4.1038% | 1,416 |
| Noninterest income to average assets | 0.3750% | 3,789 |
| Noninterest expense to average assets | 2.2734% | 4,403 |
| Loan and lease loss provision to assets | 0.1046% | 2,144 |
| Net operating income to assets | 1.0582% | 2,028 |
| Return on assets (ROA) | 1.0582% | 2,046 |
| Pretax return on assets | 1.6698% | 1,096 |
| Return on Equity (ROE) | 8.4302% | 2,589 |
| Retained earnings to average equity (ytd only) | 3.8848% | 2,876 |
| Net charge-offs to loans | -0.0040% | 4,603 |
| Credit loss provision to net charge-offs | -3,055.5556% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1643% | 4,756 |
| Assets per employee ($millions) | 4.7255% | 2,832 |
| Cash dividends to net income (ytd only)* | 53.9180% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 4,034 |
| Loan loss allowance to noncurrent loans | 44.5943% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 626 |
| Noncurrent loans to loans | 2.2049% | 656 |
| Net loans and leases to total assets | 84.7728% | 368 |
| Net loans and leases to deposits | 103.7606% | 500 |
| Net loans and leases to core deposits | 104.3806% | 1,388 |
| Total domestic deposits to total assets | 81.7004% | 3,943 |
| Equity capital to assets | 12.2401% | 1,681 |
| Core capital (leverage) ratio | 9.8541% | 3,631 |
| Tier 1 risk-based capital ratio | 10.3821% | 5,411 |
| Total risk-based capital ratio | 11.2825% | 5,466 |
| Memoranda: | ||
| Average total assets | $262,906,000 | 2,386 |
| Average earning assets | $235,292,400 | 2,458 |
| Average equity | $33,000,400 | 2,167 |
| Average total loans | $222,750,400 | 1,983 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 1,905 |
| Cost of funding earning assets | 0.3014% | 4,109 |
| Net interest margin | 4.1176% | 1,343 |
| Noninterest income to average assets | 0.3754% | 3,846 |
| Noninterest expense to average assets | 2.2950% | 4,313 |
| Loan and lease loss provision to assets | 0.1226% | 1,769 |
| Net operating income to assets | 1.0736% | 2,212 |
| Return on assets (ROA) | 1.0736% | 2,259 |
| Pretax return on assets | 1.6436% | 1,262 |
| Return on Equity (ROE) | 8.4964% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.3839% | 4,457 |
| Net charge-offs to loans | -0.0055% | 4,481 |
| Credit loss provision to net charge-offs | -2,644.4444% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5107% | 4,676 |
| Assets per employee ($millions) | 4.8254% | 2,667 |
| Cash dividends to net income (ytd only)* | 71.9425% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 4,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.1580% | 528 |
| Net loans and leases to deposits | 107.8194% | 347 |
| Net loans and leases to core deposits | 108.0997% | 1,133 |
| Total domestic deposits to total assets | 77.1271% | 4,858 |
| Equity capital to assets | 12.1556% | 1,864 |
| Core capital (leverage) ratio | 10.1497% | 3,381 |
| Tier 1 risk-based capital ratio | 10.5568% | 5,430 |
| Total risk-based capital ratio | 11.4815% | 5,482 |
| Memoranda: | ||
| Average total assets | $258,931,500 | 2,440 |
| Average earning assets | $231,778,500 | 2,495 |
| Average equity | $32,719,000 | 2,201 |
| Average total loans | $218,763,750 | 2,017 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 1,809 |
| Cost of funding earning assets | 0.2778% | 4,312 |
| Net interest margin | 4.1246% | 1,260 |
| Noninterest income to average assets | 0.3676% | 3,925 |
| Noninterest expense to average assets | 2.3348% | 4,256 |
| Loan and lease loss provision to assets | 0.1380% | 1,496 |
| Net operating income to assets | 1.0420% | 2,241 |
| Return on assets (ROA) | 1.0420% | 2,281 |
| Pretax return on assets | 1.5839% | 1,396 |
| Return on Equity (ROE) | 8.1341% | 2,945 |
| Retained earnings to average equity (ytd only) | -1.1022% | 5,249 |
| Net charge-offs to loans | -0.0084% | 4,479 |
| Credit loss provision to net charge-offs | -1,944.4444% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5540% | 4,651 |
| Assets per employee ($millions) | 3.5079% | 4,712 |
| Cash dividends to net income (ytd only)* | 113.5503% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 4,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 86.5881% | 237 |
| Net loans and leases to deposits | 103.5778% | 521 |
| Net loans and leases to core deposits | 103.8429% | 1,362 |
| Total domestic deposits to total assets | 83.5971% | 3,364 |
| Equity capital to assets | 12.5856% | 1,581 |
| Core capital (leverage) ratio | 10.2137% | 3,254 |
| Tier 1 risk-based capital ratio | 10.4145% | 5,500 |
| Total risk-based capital ratio | 11.3283% | 5,556 |
| Memoranda: | ||
| Average total assets | $253,558,670 | 2,493 |
| Average earning assets | $226,786,330 | 2,565 |
| Average equity | $32,480,670 | 2,205 |
| Average total loans | $214,673,000 | 2,049 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1124% | 2,610 |
| Cost of funding earning assets | 0.2522% | 4,516 |
| Net interest margin | 3.8602% | 1,919 |
| Noninterest income to average assets | 0.3640% | 3,928 |
| Noninterest expense to average assets | 2.3517% | 4,257 |
| Loan and lease loss provision to assets | 0.0591% | 2,628 |
| Net operating income to assets | 0.9244% | 2,644 |
| Return on assets (ROA) | 0.9244% | 2,701 |
| Pretax return on assets | 1.3985% | 1,898 |
| Return on Equity (ROE) | 7.1512% | 3,341 |
| Retained earnings to average equity (ytd only) | -11.3753% | 5,611 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7351% | 4,189 |
| Assets per employee ($millions) | 3.4265% | 4,894 |
| Cash dividends to net income (ytd only)* | 259.0674% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 4,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 83.8521% | 384 |
| Net loans and leases to deposits | 100.6425% | 579 |
| Net loans and leases to core deposits | 100.9103% | 1,448 |
| Total domestic deposits to total assets | 83.3167% | 3,734 |
| Equity capital to assets | 12.7637% | 1,372 |
| Core capital (leverage) ratio | 10.1629% | 3,299 |
| Tier 1 risk-based capital ratio | 10.7996% | 5,407 |
| Total risk-based capital ratio | 11.7117% | 5,483 |
| Memoranda: | ||
| Average total assets | $250,547,000 | 2,537 |
| Average earning assets | $223,614,000 | 2,612 |
| Average equity | $32,386,000 | 2,221 |
| Average total loans | $208,502,500 | 2,114 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1461% | 2,673 |
| Cost of funding earning assets | 0.2399% | 4,655 |
| Net interest margin | 3.9062% | 1,945 |
| Noninterest income to average assets | 0.4107% | 3,801 |
| Noninterest expense to average assets | 2.3694% | 4,368 |
| Loan and lease loss provision to assets | 0.1542% | 1,621 |
| Net operating income to assets | 0.9128% | 2,758 |
| Return on assets (ROA) | 0.9128% | 2,867 |
| Pretax return on assets | 1.3767% | 2,023 |
| Return on Equity (ROE) | 7.0532% | 3,438 |
| Retained earnings to average equity (ytd only) | 2.3490% | 4,189 |
| Net charge-offs to loans | 0.0111% | 3,899 |
| Credit loss provision to net charge-offs | 1,652.1739% | 260 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 396 |
| Efficiency ratio | 60.7492% | 4,462 |
| Assets per employee ($millions) | 3.3914% | 4,914 |
| Cash dividends to net income (ytd only)* | 66.6963% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 4,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.9291% | 751 |
| Net loans and leases to deposits | 97.4554% | 869 |
| Net loans and leases to core deposits | 97.5959% | 1,793 |
| Total domestic deposits to total assets | 83.0421% | 3,755 |
| Equity capital to assets | 13.0880% | 1,221 |
| Core capital (leverage) ratio | 10.5401% | 2,840 |
| Tier 1 risk-based capital ratio | 11.4475% | 5,084 |
| Total risk-based capital ratio | 12.3632% | 5,163 |
| Memoranda: | ||
| Average total assets | $246,393,400 | 2,536 |
| Average earning assets | $220,110,400 | 2,598 |
| Average equity | $31,886,200 | 2,228 |
| Average total loans | $207,419,600 | 2,060 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 2,667 |
| Cost of funding earning assets | 0.2350% | 4,753 |
| Net interest margin | 3.9191% | 1,911 |
| Noninterest income to average assets | 0.4061% | 3,880 |
| Noninterest expense to average assets | 2.3257% | 4,474 |
| Loan and lease loss provision to assets | 0.1740% | 1,293 |
| Net operating income to assets | 0.9383% | 2,713 |
| Return on assets (ROA) | 0.9383% | 2,839 |
| Pretax return on assets | 1.4151% | 1,986 |
| Return on Equity (ROE) | 7.2719% | 3,416 |
| Retained earnings to average equity (ytd only) | 0.9522% | 5,102 |
| Net charge-offs to loans | 0.0103% | 3,571 |
| Credit loss provision to net charge-offs | 2,000.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 182.7117% | 397 |
| Efficiency ratio | 59.4084% | 4,631 |
| Assets per employee ($millions) | 3.3095% | 5,038 |
| Cash dividends to net income (ytd only)* | 86.9060% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,557 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 84.8588% | 339 |
| Net loans and leases to deposits | 102.7016% | 526 |
| Net loans and leases to core deposits | 103.1803% | 1,404 |
| Total domestic deposits to total assets | 82.6265% | 3,735 |
| Equity capital to assets | 13.3792% | 1,301 |
| Core capital (leverage) ratio | 10.4629% | 3,034 |
| Tier 1 risk-based capital ratio | 11.1735% | 5,272 |
| Total risk-based capital ratio | 12.0624% | 5,378 |
| Memoranda: | ||
| Average total assets | $245,251,000 | 2,555 |
| Average earning assets | $219,567,500 | 2,611 |
| Average equity | $31,646,250 | 2,262 |
| Average total loans | $207,983,250 | 2,069 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,785 |
| Cost of funding earning assets | 0.2299% | 4,853 |
| Net interest margin | 3.8903% | 2,015 |
| Noninterest income to average assets | 0.3927% | 3,924 |
| Noninterest expense to average assets | 2.2794% | 4,663 |
| Loan and lease loss provision to assets | 0.1379% | 1,640 |
| Net operating income to assets | 0.9697% | 2,526 |
| Return on assets (ROA) | 0.9697% | 2,667 |
| Pretax return on assets | 1.4639% | 1,795 |
| Return on Equity (ROE) | 7.6065% | 3,199 |
| Retained earnings to average equity (ytd only) | -1.9414% | 5,531 |
| Net charge-offs to loans | 0.0058% | 3,496 |
| Credit loss provision to net charge-offs | 2,833.3333% | 160 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 207 |
| Efficiency ratio | 58.7288% | 4,805 |
| Assets per employee ($millions) | 3.6759% | 4,481 |
| Cash dividends to net income (ytd only)* | 125.5230% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 4,930 |
| Loan loss allowance to noncurrent loans | 297.7707% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 4,457 |
| Noncurrent loans to loans | 0.3051% | 4,276 |
| Net loans and leases to total assets | 80.4260% | 839 |
| Net loans and leases to deposits | 96.1600% | 1,066 |
| Net loans and leases to core deposits | 96.5816% | 1,929 |
| Total domestic deposits to total assets | 83.6377% | 3,406 |
| Equity capital to assets | 12.5352% | 1,747 |
| Core capital (leverage) ratio | 10.0924% | 3,454 |
| Tier 1 risk-based capital ratio | 11.1062% | 5,362 |
| Total risk-based capital ratio | 11.9458% | 5,501 |
| Memoranda: | ||
| Average total assets | $246,470,670 | 2,562 |
| Average earning assets | $221,011,670 | 2,601 |
| Average equity | $31,420,670 | 2,280 |
| Average total loans | $208,303,670 | 2,071 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 2,731 |
| Cost of funding earning assets | 0.2285% | 4,918 |
| Net interest margin | 3.9004% | 1,933 |
| Noninterest income to average assets | 0.3969% | 3,852 |
| Noninterest expense to average assets | 2.2941% | 4,680 |
| Loan and lease loss provision to assets | 0.1565% | 1,339 |
| Net operating income to assets | 0.9502% | 2,510 |
| Return on assets (ROA) | 0.9502% | 2,626 |
| Pretax return on assets | 1.4328% | 1,797 |
| Return on Equity (ROE) | 7.3894% | 3,250 |
| Retained earnings to average equity (ytd only) | -11.8205% | 5,858 |
| Net charge-offs to loans | 0.0248% | 2,436 |
| Credit loss provision to net charge-offs | 730.7692% | 471 |
| Earnings coverage of net charge-offs (x) | 74.2308% | 665 |
| Efficiency ratio | 59.0755% | 4,865 |
| Assets per employee ($millions) | 3.9317% | 4,072 |
| Cash dividends to net income (ytd only)* | 259.9653% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 5,215 |
| Loan loss allowance to noncurrent loans | 855.5024% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 5,182 |
| Noncurrent loans to loans | 0.0996% | 5,073 |
| Net loans and leases to total assets | 85.3225% | 271 |
| Net loans and leases to deposits | 102.4496% | 488 |
| Net loans and leases to core deposits | 102.9195% | 1,271 |
| Total domestic deposits to total assets | 83.2825% | 3,799 |
| Equity capital to assets | 12.6239% | 1,606 |
| Core capital (leverage) ratio | 10.2464% | 3,264 |
| Tier 1 risk-based capital ratio | 10.5460% | 5,731 |
| Total risk-based capital ratio | 11.3412% | 5,826 |
| Memoranda: | ||
| Average total assets | $242,887,000 | 2,598 |
| Average earning assets | $217,108,500 | 2,654 |
| Average equity | $31,234,000 | 2,287 |
| Average total loans | $209,525,000 | 2,059 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 3,497 |
| Cost of funding earning assets | 0.2257% | 5,038 |
| Net interest margin | 3.7293% | 2,646 |
| Noninterest income to average assets | 0.4249% | 3,856 |
| Noninterest expense to average assets | 2.3308% | 4,704 |
| Loan and lease loss provision to assets | 0.0253% | 3,879 |
| Net operating income to assets | 0.9202% | 2,757 |
| Return on assets (ROA) | 0.9202% | 2,849 |
| Pretax return on assets | 1.3975% | 1,916 |
| Return on Equity (ROE) | 7.0778% | 3,473 |
| Retained earnings to average equity (ytd only) | 3.8296% | 3,312 |
| Net charge-offs to loans | 0.0030% | 4,357 |
| Credit loss provision to net charge-offs | 1,000.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 561.5000% | 118 |
| Efficiency ratio | 61.8924% | 4,625 |
| Assets per employee ($millions) | 3.9033% | 4,113 |
| Cash dividends to net income (ytd only)* | 45.8926% | 2,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 5,371 |
| Loan loss allowance to noncurrent loans | 104.2787% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 3,015 |
| Noncurrent loans to loans | 0.7818% | 2,830 |
| Net loans and leases to total assets | 85.7694% | 245 |
| Net loans and leases to deposits | 103.4148% | 469 |
| Net loans and leases to core deposits | 103.8947% | 1,228 |
| Total domestic deposits to total assets | 82.9372% | 3,851 |
| Equity capital to assets | 13.0968% | 1,301 |
| Core capital (leverage) ratio | 10.4137% | 3,044 |
| Tier 1 risk-based capital ratio | 10.4313% | 5,806 |
| Total risk-based capital ratio | 11.1534% | 5,933 |
| Memoranda: | ||
| Average total assets | $236,784,400 | 2,609 |
| Average earning assets | $211,355,600 | 2,662 |
| Average equity | $30,786,400 | 2,263 |
| Average total loans | $197,640,600 | 2,095 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 3,570 |
| Cost of funding earning assets | 0.2227% | 5,154 |
| Net interest margin | 3.7209% | 2,673 |
| Noninterest income to average assets | 0.4173% | 3,952 |
| Noninterest expense to average assets | 2.3277% | 4,712 |
| Loan and lease loss provision to assets | 0.0170% | 3,932 |
| Net operating income to assets | 0.9161% | 2,887 |
| Return on assets (ROA) | 0.9161% | 2,970 |
| Pretax return on assets | 1.3929% | 2,045 |
| Return on Equity (ROE) | 7.0593% | 3,588 |
| Retained earnings to average equity (ytd only) | 2.6963% | 4,498 |
| Net charge-offs to loans | 0.0041% | 4,039 |
| Credit loss provision to net charge-offs | 500.0000% | 644 |
| Earnings coverage of net charge-offs (x) | 414.9900% | 182 |
| Efficiency ratio | 62.0058% | 4,565 |
| Assets per employee ($millions) | 3.7743% | 4,315 |
| Cash dividends to net income (ytd only)* | 61.8047% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 5,408 |
| Loan loss allowance to noncurrent loans | 102.7590% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.7202% | 3,103 |
| Noncurrent loans to loans | 0.8169% | 2,926 |
| Net loans and leases to total assets | 87.4214% | 166 |
| Net loans and leases to deposits | 106.6763% | 344 |
| Net loans and leases to core deposits | 107.2119% | 1,026 |
| Total domestic deposits to total assets | 81.9501% | 4,179 |
| Equity capital to assets | 13.7488% | 1,125 |
| Core capital (leverage) ratio | 10.6998% | 2,825 |
| Tier 1 risk-based capital ratio | 11.1258% | 5,593 |
| Total risk-based capital ratio | 11.9001% | 5,751 |
| Memoranda: | ||
| Average total assets | $235,479,000 | 2,633 |
| Average earning assets | $210,123,500 | 2,697 |
| Average equity | $30,559,250 | 2,292 |
| Average total loans | $194,732,500 | 2,134 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 3,853 |
| Cost of funding earning assets | 0.2146% | 5,309 |
| Net interest margin | 3.6390% | 2,945 |
| Noninterest income to average assets | 0.3908% | 4,147 |
| Noninterest expense to average assets | 2.2802% | 4,889 |
| Loan and lease loss provision to assets | 0.0252% | 3,631 |
| Net operating income to assets | 0.8730% | 3,028 |
| Return on assets (ROA) | 0.8730% | 3,136 |
| Pretax return on assets | 1.3275% | 2,251 |
| Return on Equity (ROE) | 6.8561% | 3,697 |
| Retained earnings to average equity (ytd only) | 0.2700% | 5,422 |
| Net charge-offs to loans | 0.0062% | 3,683 |
| Credit loss provision to net charge-offs | 500.0000% | 619 |
| Earnings coverage of net charge-offs (x) | 268.8333% | 257 |
| Efficiency ratio | 62.3500% | 4,626 |
| Assets per employee ($millions) | 3.8046% | 4,250 |
| Cash dividends to net income (ytd only)* | 96.0615% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 5,438 |
| Loan loss allowance to noncurrent loans | 97.7259% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 0.7390% | 3,168 |
| Noncurrent loans to loans | 0.8793% | 2,931 |
| Net loans and leases to total assets | 83.3211% | 435 |
| Net loans and leases to deposits | 99.5429% | 694 |
| Net loans and leases to core deposits | 99.9648% | 1,494 |
| Total domestic deposits to total assets | 83.7038% | 3,690 |
| Equity capital to assets | 13.1671% | 1,318 |
| Core capital (leverage) ratio | 10.3222% | 3,190 |
| Tier 1 risk-based capital ratio | 11.0523% | 5,687 |
| Total risk-based capital ratio | 11.8410% | 5,835 |
| Memoranda: | ||
| Average total assets | $238,486,670 | 2,624 |
| Average earning assets | $212,478,000 | 2,688 |
| Average equity | $30,367,330 | 2,314 |
| Average total loans | $193,094,330 | 2,151 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7604% | 4,164 |
| Cost of funding earning assets | 0.2132% | 5,387 |
| Net interest margin | 3.5472% | 3,234 |
| Noninterest income to average assets | 0.3740% | 4,212 |
| Noninterest expense to average assets | 2.2094% | 5,118 |
| Loan and lease loss provision to assets | 0.0497% | 2,940 |
| Net operating income to assets | 0.8358% | 3,078 |
| Return on assets (ROA) | 0.8358% | 3,204 |
| Pretax return on assets | 1.2810% | 2,352 |
| Return on Equity (ROE) | 6.6728% | 3,668 |
| Retained earnings to average equity (ytd only) | -6.5407% | 6,017 |
| Net charge-offs to loans | -0.0021% | 4,354 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5708% | 4,870 |
| Assets per employee ($millions) | 4.0102% | 3,939 |
| Cash dividends to net income (ytd only)* | 198.0198% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 5,446 |
| Loan loss allowance to noncurrent loans | 105.9157% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.6496% | 3,558 |
| Noncurrent loans to loans | 0.8493% | 3,123 |
| Net loans and leases to total assets | 75.7909% | 1,241 |
| Net loans and leases to deposits | 89.5433% | 1,437 |
| Net loans and leases to core deposits | 89.8993% | 2,142 |
| Total domestic deposits to total assets | 84.6417% | 3,566 |
| Equity capital to assets | 12.2744% | 1,837 |
| Core capital (leverage) ratio | 9.9370% | 3,684 |
| Tier 1 risk-based capital ratio | 10.8493% | 5,877 |
| Total risk-based capital ratio | 11.6449% | 5,999 |
| Memoranda: | ||
| Average total assets | $241,691,000 | 2,623 |
| Average earning assets | $215,719,500 | 2,679 |
| Average equity | $30,272,000 | 2,332 |
| Average total loans | $192,118,500 | 2,160 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 3,789 |
| Cost of funding earning assets | 0.2371% | 5,455 |
| Net interest margin | 3.7446% | 2,826 |
| Noninterest income to average assets | 0.4289% | 3,978 |
| Noninterest expense to average assets | 2.3279% | 5,035 |
| Loan and lease loss provision to assets | 0.0323% | 3,950 |
| Net operating income to assets | 0.9202% | 2,777 |
| Return on assets (ROA) | 0.9202% | 2,870 |
| Pretax return on assets | 1.4180% | 1,825 |
| Return on Equity (ROE) | 7.2036% | 3,513 |
| Retained earnings to average equity (ytd only) | 3.8296% | 3,489 |
| Net charge-offs to loans | 0.1281% | 2,741 |
| Credit loss provision to net charge-offs | 30.8642% | 3,824 |
| Earnings coverage of net charge-offs (x) | 13.8477% | 2,233 |
| Efficiency ratio | 60.7803% | 5,104 |
| Assets per employee ($millions) | 4.4215% | 3,162 |
| Cash dividends to net income (ytd only)* | 46.8384% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 5,664 |
| Loan loss allowance to noncurrent loans | 107.9739% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 3,656 |
| Noncurrent loans to loans | 0.7761% | 3,375 |
| Net loans and leases to total assets | 81.8817% | 532 |
| Net loans and leases to deposits | 97.2753% | 810 |
| Net loans and leases to core deposits | 97.6738% | 1,574 |
| Total domestic deposits to total assets | 84.1753% | 3,639 |
| Equity capital to assets | 12.7819% | 1,480 |
| Core capital (leverage) ratio | 10.1102% | 3,423 |
| Tier 1 risk-based capital ratio | 10.5106% | 6,097 |
| Total risk-based capital ratio | 11.2518% | 6,207 |
| Memoranda: | ||
| Average total assets | $232,013,600 | 2,680 |
| Average earning assets | $207,523,200 | 2,730 |
| Average equity | $29,637,800 | 2,291 |
| Average total loans | $189,734,600 | 2,121 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 3,769 |
| Cost of funding earning assets | 0.2418% | 5,488 |
| Net interest margin | 3.7552% | 2,790 |
| Noninterest income to average assets | 0.4307% | 4,014 |
| Noninterest expense to average assets | 2.3184% | 5,058 |
| Loan and lease loss provision to assets | 0.0434% | 3,530 |
| Net operating income to assets | 0.9239% | 2,800 |
| Return on assets (ROA) | 0.9239% | 2,897 |
| Pretax return on assets | 1.4223% | 1,919 |
| Return on Equity (ROE) | 7.2336% | 3,591 |
| Retained earnings to average equity (ytd only) | 2.7013% | 4,666 |
| Net charge-offs to loans | 0.1646% | 2,152 |
| Credit loss provision to net charge-offs | 32.3276% | 3,419 |
| Earnings coverage of net charge-offs (x) | 10.9137% | 2,490 |
| Efficiency ratio | 60.4253% | 5,123 |
| Assets per employee ($millions) | 4.2084% | 3,465 |
| Cash dividends to net income (ytd only)* | 62.6565% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 5,666 |
| Loan loss allowance to noncurrent loans | 109.1207% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 3,863 |
| Noncurrent loans to loans | 0.8050% | 3,564 |
| Net loans and leases to total assets | 81.0695% | 595 |
| Net loans and leases to deposits | 96.6535% | 831 |
| Net loans and leases to core deposits | 97.0634% | 1,588 |
| Total domestic deposits to total assets | 83.8764% | 3,806 |
| Equity capital to assets | 12.9559% | 1,453 |
| Core capital (leverage) ratio | 10.1195% | 3,507 |
| Tier 1 risk-based capital ratio | 10.6036% | 6,171 |
| Total risk-based capital ratio | 11.3747% | 6,282 |
| Memoranda: | ||
| Average total assets | $230,327,250 | 2,714 |
| Average earning assets | $205,680,750 | 2,766 |
| Average equity | $29,417,750 | 2,319 |
| Average total loans | $187,880,250 | 2,150 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9614% | 3,893 |
| Cost of funding earning assets | 0.2442% | 5,545 |
| Net interest margin | 3.7172% | 2,891 |
| Noninterest income to average assets | 0.4192% | 4,104 |
| Noninterest expense to average assets | 2.3423% | 5,050 |
| Loan and lease loss provision to assets | 0.0391% | 3,523 |
| Net operating income to assets | 0.8776% | 2,920 |
| Return on assets (ROA) | 0.8776% | 3,007 |
| Pretax return on assets | 1.3481% | 2,088 |
| Return on Equity (ROE) | 6.9044% | 3,673 |
| Retained earnings to average equity (ytd only) | 0.0616% | 5,653 |
| Net charge-offs to loans | -0.0021% | 5,064 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9403% | 5,020 |
| Assets per employee ($millions) | 3.7915% | 4,272 |
| Cash dividends to net income (ytd only)* | 99.1080% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,381 |
| Loan loss allowance to noncurrent loans | 72.0849% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.1199% | 2,841 |
| Noncurrent loans to loans | 1.3782% | 2,504 |
| Net loans and leases to total assets | 80.4466% | 634 |
| Net loans and leases to deposits | 95.6198% | 828 |
| Net loans and leases to core deposits | 95.7674% | 1,624 |
| Total domestic deposits to total assets | 84.1317% | 3,881 |
| Equity capital to assets | 12.7141% | 1,535 |
| Core capital (leverage) ratio | 10.0872% | 3,488 |
| Tier 1 risk-based capital ratio | 10.3213% | 6,303 |
| Total risk-based capital ratio | 11.1868% | 6,375 |
| Memoranda: | ||
| Average total assets | $229,949,000 | 2,731 |
| Average earning assets | $204,777,670 | 2,784 |
| Average equity | $29,227,670 | 2,319 |
| Average total loans | $187,404,330 | 2,154 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 3,781 |
| Cost of funding earning assets | 0.2474% | 5,603 |
| Net interest margin | 3.7292% | 2,748 |
| Noninterest income to average assets | 0.4170% | 4,053 |
| Noninterest expense to average assets | 2.3604% | 5,035 |
| Loan and lease loss provision to assets | 0.0262% | 3,493 |
| Net operating income to assets | 0.8758% | 2,767 |
| Return on assets (ROA) | 0.8758% | 2,833 |
| Pretax return on assets | 1.3433% | 1,941 |
| Return on Equity (ROE) | 6.8911% | 3,533 |
| Retained earnings to average equity (ytd only) | -6.8362% | 6,231 |
| Net charge-offs to loans | -0.0021% | 4,709 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4415% | 5,068 |
| Assets per employee ($millions) | 3.7240% | 4,472 |
| Cash dividends to net income (ytd only)* | 199.2032% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 5,503 |
| Loan loss allowance to noncurrent loans | 123.4701% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6546% | 4,163 |
| Noncurrent loans to loans | 0.8140% | 3,842 |
| Net loans and leases to total assets | 79.6140% | 595 |
| Net loans and leases to deposits | 94.8299% | 727 |
| Net loans and leases to core deposits | 94.9793% | 1,471 |
| Total domestic deposits to total assets | 83.9546% | 4,290 |
| Equity capital to assets | 12.7187% | 1,448 |
| Core capital (leverage) ratio | 9.9180% | 3,681 |
| Tier 1 risk-based capital ratio | 10.3117% | 6,392 |
| Total risk-based capital ratio | 11.1825% | 6,468 |
| Memoranda: | ||
| Average total assets | $229,284,000 | 2,751 |
| Average earning assets | $203,689,000 | 2,814 |
| Average equity | $29,139,000 | 2,316 |
| Average total loans | $187,145,000 | 2,160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,843 |
| Cost of funding earning assets | 0.2701% | 5,831 |
| Net interest margin | 3.8006% | 2,655 |
| Noninterest income to average assets | 0.4358% | 4,189 |
| Noninterest expense to average assets | 2.4396% | 4,959 |
| Loan and lease loss provision to assets | 0.0131% | 4,860 |
| Net operating income to assets | 0.8620% | 2,965 |
| Return on assets (ROA) | 0.8620% | 3,046 |
| Pretax return on assets | 1.3628% | 1,926 |
| Return on Equity (ROE) | 6.9160% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.7263% | 2,793 |
| Net charge-offs to loans | -0.1566% | 6,573 |
| Credit loss provision to net charge-offs | -10.7143% | 5,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5772% | 5,114 |
| Assets per employee ($millions) | 3.9222% | 4,022 |
| Cash dividends to net income (ytd only)* | 31.6616% | 3,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 5,759 |
| Loan loss allowance to noncurrent loans | 124.8285% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 4,344 |
| Noncurrent loans to loans | 0.7610% | 4,064 |
| Net loans and leases to total assets | 82.0122% | 414 |
| Net loans and leases to deposits | 98.9773% | 540 |
| Net loans and leases to core deposits | 99.1324% | 1,225 |
| Total domestic deposits to total assets | 82.8596% | 4,588 |
| Equity capital to assets | 12.6988% | 1,424 |
| Core capital (leverage) ratio | 9.9290% | 3,669 |
| Tier 1 risk-based capital ratio | 10.2663% | 6,447 |
| Total risk-based capital ratio | 11.1072% | 6,513 |
| Memoranda: | ||
| Average total assets | $229,011,600 | 2,726 |
| Average earning assets | $203,652,600 | 2,788 |
| Average equity | $28,542,400 | 2,336 |
| Average total loans | $178,844,600 | 2,205 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,946 |
| Cost of funding earning assets | 0.2729% | 5,939 |
| Net interest margin | 3.7744% | 2,732 |
| Noninterest income to average assets | 0.4343% | 4,272 |
| Noninterest expense to average assets | 2.4201% | 4,958 |
| Loan and lease loss provision to assets | 0.0175% | 4,663 |
| Net operating income to assets | 0.8557% | 3,069 |
| Return on assets (ROA) | 0.8557% | 3,182 |
| Pretax return on assets | 1.3548% | 2,097 |
| Return on Equity (ROE) | 6.8991% | 3,712 |
| Retained earnings to average equity (ytd only) | 4.4284% | 3,523 |
| Net charge-offs to loans | -0.2095% | 6,661 |
| Credit loss provision to net charge-offs | -10.8696% | 5,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3980% | 5,080 |
| Assets per employee ($millions) | 3.5859% | 4,676 |
| Cash dividends to net income (ytd only)* | 35.8116% | 2,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 5,794 |
| Loan loss allowance to noncurrent loans | 72.6110% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.1071% | 3,440 |
| Noncurrent loans to loans | 1.3538% | 3,156 |
| Net loans and leases to total assets | 80.9687% | 454 |
| Net loans and leases to deposits | 96.5022% | 655 |
| Net loans and leases to core deposits | 96.6552% | 1,341 |
| Total domestic deposits to total assets | 83.9035% | 4,232 |
| Equity capital to assets | 12.8262% | 1,408 |
| Core capital (leverage) ratio | 9.7762% | 3,998 |
| Tier 1 risk-based capital ratio | 10.2637% | 6,520 |
| Total risk-based capital ratio | 11.1193% | 6,592 |
| Memoranda: | ||
| Average total assets | $228,412,750 | 2,756 |
| Average earning assets | $203,223,250 | 2,815 |
| Average equity | $28,331,500 | 2,381 |
| Average total loans | $175,655,250 | 2,254 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 4,258 |
| Cost of funding earning assets | 0.2749% | 6,020 |
| Net interest margin | 3.6858% | 3,008 |
| Noninterest income to average assets | 0.4284% | 4,318 |
| Noninterest expense to average assets | 2.4245% | 4,983 |
| Loan and lease loss provision to assets | 0.0262% | 4,395 |
| Net operating income to assets | 0.7991% | 3,303 |
| Return on assets (ROA) | 0.7991% | 3,452 |
| Pretax return on assets | 1.2641% | 2,427 |
| Return on Equity (ROE) | 6.5157% | 3,871 |
| Retained earnings to average equity (ytd only) | 2.7813% | 4,541 |
| Net charge-offs to loans | -0.2977% | 6,756 |
| Credit loss provision to net charge-offs | -11.6732% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8328% | 4,893 |
| Assets per employee ($millions) | 3.5470% | 4,762 |
| Cash dividends to net income (ytd only)* | 57.3144% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 5,765 |
| Loan loss allowance to noncurrent loans | 73.2274% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 3,616 |
| Noncurrent loans to loans | 1.3838% | 3,230 |
| Net loans and leases to total assets | 76.1368% | 975 |
| Net loans and leases to deposits | 90.1976% | 1,127 |
| Net loans and leases to core deposits | 90.3368% | 1,883 |
| Total domestic deposits to total assets | 84.4112% | 4,163 |
| Equity capital to assets | 12.3246% | 1,690 |
| Core capital (leverage) ratio | 9.5150% | 4,223 |
| Tier 1 risk-based capital ratio | 10.2137% | 6,585 |
| Total risk-based capital ratio | 11.0793% | 6,653 |
| Memoranda: | ||
| Average total assets | $229,246,330 | 2,754 |
| Average earning assets | $204,407,000 | 2,816 |
| Average equity | $28,116,670 | 2,415 |
| Average total loans | $172,629,000 | 2,282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8786% | 4,558 |
| Cost of funding earning assets | 0.2831% | 6,084 |
| Net interest margin | 3.5956% | 3,283 |
| Noninterest income to average assets | 0.4042% | 4,422 |
| Noninterest expense to average assets | 2.4620% | 4,904 |
| Loan and lease loss provision to assets | 0.0525% | 3,744 |
| Net operating income to assets | 0.6894% | 3,744 |
| Return on assets (ROA) | 0.6894% | 3,890 |
| Pretax return on assets | 1.0902% | 2,996 |
| Return on Equity (ROE) | 5.6351% | 4,237 |
| Retained earnings to average equity (ytd only) | -1.8736% | 6,067 |
| Net charge-offs to loans | -0.0540% | 6,165 |
| Credit loss provision to net charge-offs | -130.4348% | 5,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7961% | 4,524 |
| Assets per employee ($millions) | 3.5846% | 4,810 |
| Cash dividends to net income (ytd only)* | 133.2487% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 6,184 |
| Loan loss allowance to noncurrent loans | 1,776.1364% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 6,343 |
| Noncurrent loans to loans | 0.0524% | 6,318 |
| Net loans and leases to total assets | 73.7321% | 1,112 |
| Net loans and leases to deposits | 87.3555% | 1,206 |
| Net loans and leases to core deposits | 87.4932% | 1,958 |
| Total domestic deposits to total assets | 84.4047% | 4,312 |
| Equity capital to assets | 12.3566% | 1,801 |
| Core capital (leverage) ratio | 9.2761% | 4,439 |
| Tier 1 risk-based capital ratio | 10.1935% | 6,659 |
| Total risk-based capital ratio | 10.9650% | 6,713 |
| Memoranda: | ||
| Average total assets | $228,591,500 | 2,790 |
| Average earning assets | $203,473,000 | 2,860 |
| Average equity | $27,967,500 | 2,450 |
| Average total loans | $170,276,000 | 2,318 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 5,179 |
| Cost of funding earning assets | 0.3632% | 6,141 |
| Net interest margin | 3.6791% | 3,745 |
| Noninterest income to average assets | 0.4609% | 4,167 |
| Noninterest expense to average assets | 2.5296% | 4,993 |
| Loan and lease loss provision to assets | 0.2821% | 2,395 |
| Net operating income to assets | 0.5760% | 4,356 |
| Return on assets (ROA) | 0.5760% | 4,614 |
| Pretax return on assets | 0.9005% | 3,918 |
| Return on Equity (ROE) | 4.7599% | 4,810 |
| Retained earnings to average equity (ytd only) | 3.3610% | 3,854 |
| Net charge-offs to loans | 0.7204% | 1,628 |
| Credit loss provision to net charge-offs | 55.0661% | 4,578 |
| Earnings coverage of net charge-offs (x) | 2.3084% | 4,259 |
| Efficiency ratio | 66.6464% | 4,388 |
| Assets per employee ($millions) | 4.0588% | 3,838 |
| Cash dividends to net income (ytd only)* | 29.3887% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 6,328 |
| Loan loss allowance to noncurrent loans | 1,227.6423% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 6,350 |
| Noncurrent loans to loans | 0.0713% | 6,307 |
| Net loans and leases to total assets | 73.8999% | 1,206 |
| Net loans and leases to deposits | 87.3441% | 1,348 |
| Net loans and leases to core deposits | 87.4781% | 2,148 |
| Total domestic deposits to total assets | 84.6079% | 4,036 |
| Equity capital to assets | 12.1157% | 1,969 |
| Core capital (leverage) ratio | 9.2706% | 4,470 |
| Tier 1 risk-based capital ratio | 10.6279% | 6,504 |
| Total risk-based capital ratio | 11.4012% | 6,625 |
| Memoranda: | ||
| Average total assets | $221,538,000 | 2,827 |
| Average earning assets | $195,783,200 | 2,885 |
| Average equity | $26,807,200 | 2,499 |
| Average total loans | $157,557,800 | 2,465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 5,146 |
| Cost of funding earning assets | 0.3813% | 6,219 |
| Net interest margin | 3.7312% | 3,649 |
| Noninterest income to average assets | 0.4631% | 4,188 |
| Noninterest expense to average assets | 2.5706% | 4,844 |
| Loan and lease loss provision to assets | 0.0152% | 5,620 |
| Net operating income to assets | 0.7443% | 3,717 |
| Return on assets (ROA) | 0.7443% | 3,966 |
| Pretax return on assets | 1.1703% | 3,097 |
| Return on Equity (ROE) | 6.1530% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.2663% | 3,891 |
| Net charge-offs to loans | 0.0199% | 5,389 |
| Credit loss provision to net charge-offs | 108.6957% | 2,702 |
| Earnings coverage of net charge-offs (x) | 84.6844% | 490 |
| Efficiency ratio | 66.9475% | 4,256 |
| Assets per employee ($millions) | 4.3087% | 3,250 |
| Cash dividends to net income (ytd only)* | 30.6624% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,727 |
| Loan loss allowance to noncurrent loans | 127.8937% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 4,657 |
| Noncurrent loans to loans | 1.0316% | 4,387 |
| Net loans and leases to total assets | 67.5003% | 2,369 |
| Net loans and leases to deposits | 80.4309% | 2,325 |
| Net loans and leases to core deposits | 80.6789% | 3,125 |
| Total domestic deposits to total assets | 83.9233% | 4,255 |
| Equity capital to assets | 12.4860% | 1,901 |
| Core capital (leverage) ratio | 9.5295% | 4,226 |
| Tier 1 risk-based capital ratio | 11.7347% | 6,089 |
| Total risk-based capital ratio | 12.8829% | 6,126 |
| Memoranda: | ||
| Average total assets | $219,084,500 | 2,867 |
| Average earning assets | $193,355,000 | 2,947 |
| Average equity | $26,501,500 | 2,544 |
| Average total loans | $153,827,500 | 2,546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 4,906 |
| Cost of funding earning assets | 0.4017% | 6,258 |
| Net interest margin | 3.8101% | 3,314 |
| Noninterest income to average assets | 0.4562% | 4,246 |
| Noninterest expense to average assets | 2.5728% | 4,869 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7791% | 3,472 |
| Return on assets (ROA) | 0.7791% | 3,743 |
| Pretax return on assets | 1.2252% | 2,823 |
| Return on Equity (ROE) | 6.5128% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.6293% | 4,181 |
| Net charge-offs to loans | 0.0688% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 25.1321% | 1,206 |
| Efficiency ratio | 66.2630% | 4,490 |
| Assets per employee ($millions) | 3.8720% | 4,143 |
| Cash dividends to net income (ytd only)* | 44.2739% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 4,877 |
| Loan loss allowance to noncurrent loans | 8,552.1739% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 6,407 |
| Noncurrent loans to loans | 0.0152% | 6,656 |
| Net loans and leases to total assets | 66.4100% | 2,590 |
| Net loans and leases to deposits | 78.3987% | 2,615 |
| Net loans and leases to core deposits | 78.8563% | 3,384 |
| Total domestic deposits to total assets | 84.7081% | 4,000 |
| Equity capital to assets | 11.7154% | 2,394 |
| Core capital (leverage) ratio | 8.7870% | 5,237 |
| Tier 1 risk-based capital ratio | 10.8378% | 6,563 |
| Total risk-based capital ratio | 11.9621% | 6,597 |
| Memoranda: | ||
| Average total assets | $217,429,000 | 2,897 |
| Average earning assets | $190,704,670 | 2,986 |
| Average equity | $26,010,330 | 2,568 |
| Average total loans | $154,017,670 | 2,547 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 4,768 |
| Cost of funding earning assets | 0.4294% | 6,261 |
| Net interest margin | 3.8628% | 3,087 |
| Noninterest income to average assets | 0.4601% | 4,226 |
| Noninterest expense to average assets | 2.5999% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7893% | 3,428 |
| Return on assets (ROA) | 0.7893% | 3,674 |
| Pretax return on assets | 1.2420% | 2,758 |
| Return on Equity (ROE) | 6.5273% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.7270% | 5,768 |
| Net charge-offs to loans | -0.0129% | 6,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1636% | 4,527 |
| Assets per employee ($millions) | 3.5013% | 5,114 |
| Cash dividends to net income (ytd only)* | 88.8626% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3289% | 4,891 |
| Loan loss allowance to noncurrent loans | 2,109.3750% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 6,787 |
| Noncurrent loans to loans | 0.0630% | 6,595 |
| Net loans and leases to total assets | 68.1644% | 2,082 |
| Net loans and leases to deposits | 80.6145% | 2,118 |
| Net loans and leases to core deposits | 80.9731% | 2,950 |
| Total domestic deposits to total assets | 84.5559% | 4,246 |
| Equity capital to assets | 11.7353% | 2,233 |
| Core capital (leverage) ratio | 8.6911% | 5,307 |
| Tier 1 risk-based capital ratio | 10.5624% | 6,717 |
| Total risk-based capital ratio | 11.7182% | 6,743 |
| Memoranda: | ||
| Average total assets | $213,855,500 | 2,959 |
| Average earning assets | $187,221,000 | 3,050 |
| Average equity | $25,860,500 | 2,580 |
| Average total loans | $155,472,500 | 2,550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6874% | 4,298 |
| Cost of funding earning assets | 0.6421% | 5,864 |
| Net interest margin | 4.0453% | 2,651 |
| Noninterest income to average assets | 0.5547% | 3,472 |
| Noninterest expense to average assets | 2.7083% | 4,711 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8769% | 2,708 |
| Return on assets (ROA) | 0.8769% | 2,841 |
| Pretax return on assets | 1.3884% | 1,813 |
| Return on Equity (ROE) | 6.8958% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.2972% | 1,852 |
| Net charge-offs to loans | -0.2782% | 7,236 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5857% | 5,022 |
| Assets per employee ($millions) | 3.3955% | 5,256 |
| Cash dividends to net income (ytd only)* | 8.6806% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 5,045 |
| Loan loss allowance to noncurrent loans | 1,086.0215% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 6,729 |
| Noncurrent loans to loans | 0.1173% | 6,520 |
| Net loans and leases to total assets | 75.5769% | 1,010 |
| Net loans and leases to deposits | 90.2732% | 1,128 |
| Net loans and leases to core deposits | 90.7342% | 2,018 |
| Total domestic deposits to total assets | 83.7202% | 4,442 |
| Equity capital to assets | 12.4730% | 1,814 |
| Core capital (leverage) ratio | 9.1718% | 4,510 |
| Tier 1 risk-based capital ratio | 10.4075% | 6,725 |
| Total risk-based capital ratio | 11.5484% | 6,748 |
| Memoranda: | ||
| Average total assets | $197,058,800 | 3,087 |
| Average earning assets | $172,547,000 | 3,191 |
| Average equity | $25,058,800 | 2,575 |
| Average total loans | $146,666,600 | 2,685 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 4,264 |
| Cost of funding earning assets | 0.6774% | 5,893 |
| Net interest margin | 4.0657% | 2,617 |
| Noninterest income to average assets | 0.5538% | 3,490 |
| Noninterest expense to average assets | 2.7414% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8711% | 2,856 |
| Return on assets (ROA) | 0.8711% | 3,004 |
| Pretax return on assets | 1.3830% | 1,990 |
| Return on Equity (ROE) | 6.8154% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.8154% | 2,069 |
| Net charge-offs to loans | -0.2644% | 7,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9385% | 4,907 |
| Assets per employee ($millions) | 3.3946% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 5,180 |
| Loan loss allowance to noncurrent loans | 1,163.8037% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 6,846 |
| Noncurrent loans to loans | 0.1085% | 6,657 |
| Net loans and leases to total assets | 75.3273% | 1,090 |
| Net loans and leases to deposits | 90.8005% | 1,128 |
| Net loans and leases to core deposits | 91.5748% | 2,045 |
| Total domestic deposits to total assets | 82.9592% | 4,701 |
| Equity capital to assets | 12.9684% | 1,628 |
| Core capital (leverage) ratio | 9.5011% | 4,142 |
| Tier 1 risk-based capital ratio | 10.9021% | 6,600 |
| Total risk-based capital ratio | 12.0453% | 6,646 |
| Memoranda: | ||
| Average total assets | $194,541,500 | 3,138 |
| Average earning assets | $170,856,750 | 3,238 |
| Average equity | $24,864,750 | 2,593 |
| Average total loans | $143,693,000 | 2,752 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 4,533 |
| Cost of funding earning assets | 0.7035% | 5,939 |
| Net interest margin | 3.9981% | 2,847 |
| Noninterest income to average assets | 0.5388% | 3,568 |
| Noninterest expense to average assets | 2.7508% | 4,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8185% | 2,987 |
| Return on assets (ROA) | 0.8185% | 3,105 |
| Pretax return on assets | 1.3016% | 2,135 |
| Return on Equity (ROE) | 6.4362% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.4362% | 2,176 |
| Net charge-offs to loans | -0.1088% | 7,185 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3271% | 4,817 |
| Assets per employee ($millions) | 3.5524% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 5,761 |
| Loan loss allowance to noncurrent loans | 908.0645% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 6,859 |
| Noncurrent loans to loans | 0.1266% | 6,662 |
| Net loans and leases to total assets | 72.9894% | 1,594 |
| Net loans and leases to deposits | 87.5460% | 1,561 |
| Net loans and leases to core deposits | 88.2800% | 2,607 |
| Total domestic deposits to total assets | 83.3726% | 4,597 |
| Equity capital to assets | 12.5929% | 1,735 |
| Core capital (leverage) ratio | 9.3210% | 4,220 |
| Tier 1 risk-based capital ratio | 10.7190% | 6,702 |
| Total risk-based capital ratio | 11.7487% | 6,784 |
| Memoranda: | ||
| Average total assets | $193,760,000 | 3,174 |
| Average earning assets | $170,283,000 | 3,272 |
| Average equity | $24,642,000 | 2,592 |
| Average total loans | $141,522,000 | 2,815 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 4,474 |
| Cost of funding earning assets | 0.7427% | 5,909 |
| Net interest margin | 3.9679% | 2,835 |
| Noninterest income to average assets | 0.5315% | 3,640 |
| Noninterest expense to average assets | 2.8121% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7595% | 3,226 |
| Return on assets (ROA) | 0.7595% | 3,287 |
| Pretax return on assets | 1.2073% | 2,348 |
| Return on Equity (ROE) | 5.9418% | 3,939 |
| Retained earnings to average equity (ytd only) | 5.9418% | 2,674 |
| Net charge-offs to loans | -0.2679% | 7,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3498% | 4,589 |
| Assets per employee ($millions) | 3.4558% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2030% | 5,618 |
| Loan loss allowance to noncurrent loans | 1,321.7054% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 6,993 |
| Noncurrent loans to loans | 0.0910% | 6,819 |
| Net loans and leases to total assets | 72.3517% | 1,643 |
| Net loans and leases to deposits | 87.0685% | 1,587 |
| Net loans and leases to core deposits | 88.0203% | 2,598 |
| Total domestic deposits to total assets | 83.0974% | 4,889 |
| Equity capital to assets | 12.7217% | 1,512 |
| Core capital (leverage) ratio | 9.2193% | 4,257 |
| Tier 1 risk-based capital ratio | 10.7841% | 6,648 |
| Total risk-based capital ratio | 11.8580% | 6,725 |
| Memoranda: | ||
| Average total assets | $191,171,500 | 3,232 |
| Average earning assets | $168,046,500 | 3,329 |
| Average equity | $24,437,000 | 2,605 |
| Average total loans | $138,837,000 | 2,910 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0153% | 4,482 |
| Cost of funding earning assets | 0.8752% | 6,271 |
| Net interest margin | 4.1401% | 2,412 |
| Noninterest income to average assets | 0.5550% | 3,789 |
| Noninterest expense to average assets | 2.8906% | 4,268 |
| Loan and lease loss provision to assets | 0.1141% | 6,022 |
| Net operating income to assets | 0.7219% | 3,140 |
| Return on assets (ROA) | 0.7219% | 3,268 |
| Pretax return on assets | 1.1686% | 2,333 |
| Return on Equity (ROE) | 5.6040% | 3,787 |
| Retained earnings to average equity (ytd only) | 3.5145% | 3,401 |
| Net charge-offs to loans | -0.0978% | 7,502 |
| Credit loss provision to net charge-offs | -169.6000% | 7,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6770% | 4,630 |
| Assets per employee ($millions) | 3.2554% | 5,523 |
| Cash dividends to net income (ytd only)* | 37.2856% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,585 |
| Loan loss allowance to noncurrent loans | 948.2353% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 7,005 |
| Noncurrent loans to loans | 0.1250% | 6,823 |
| Net loans and leases to total assets | 71.1470% | 2,271 |
| Net loans and leases to deposits | 85.8098% | 2,140 |
| Net loans and leases to core deposits | 86.9174% | 3,198 |
| Total domestic deposits to total assets | 82.9125% | 4,828 |
| Equity capital to assets | 12.8453% | 1,467 |
| Core capital (leverage) ratio | 9.1340% | 4,294 |
| Tier 1 risk-based capital ratio | 11.0299% | 6,299 |
| Total risk-based capital ratio | 12.0928% | 6,424 |
| Memoranda: | ||
| Average total assets | $185,772,000 | 3,285 |
| Average earning assets | $162,362,400 | 3,407 |
| Average equity | $23,929,200 | 2,664 |
| Average total loans | $127,809,000 | 3,164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 5,115 |
| Cost of funding earning assets | 0.8923% | 6,423 |
| Net interest margin | 4.0418% | 2,897 |
| Noninterest income to average assets | 0.5434% | 3,841 |
| Noninterest expense to average assets | 2.8754% | 4,181 |
| Loan and lease loss provision to assets | 0.1528% | 5,514 |
| Net operating income to assets | 0.6450% | 3,677 |
| Return on assets (ROA) | 0.6450% | 3,844 |
| Pretax return on assets | 1.0471% | 3,004 |
| Return on Equity (ROE) | 5.0038% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.0038% | 2,987 |
| Net charge-offs to loans | -0.0933% | 7,545 |
| Credit loss provision to net charge-offs | -240.9091% | 6,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9302% | 4,280 |
| Assets per employee ($millions) | 3.7233% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 5,356 |
| Loan loss allowance to noncurrent loans | 240.4580% | 1,209 |
| Noncurrent assets plus other real estate owned to assets | 0.3518% | 6,507 |
| Noncurrent loans to loans | 0.5105% | 6,176 |
| Net loans and leases to total assets | 68.0701% | 3,194 |
| Net loans and leases to deposits | 82.4827% | 3,016 |
| Net loans and leases to core deposits | 83.2916% | 4,052 |
| Total domestic deposits to total assets | 82.5264% | 4,785 |
| Equity capital to assets | 13.0598% | 1,548 |
| Core capital (leverage) ratio | 9.2501% | 4,277 |
| Tier 1 risk-based capital ratio | 11.7533% | 5,684 |
| Total risk-based capital ratio | 12.8585% | 5,811 |
| Memoranda: | ||
| Average total assets | $185,011,000 | 3,345 |
| Average earning assets | $161,674,250 | 3,469 |
| Average equity | $23,848,000 | 2,713 |
| Average total loans | $125,774,000 | 3,251 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9180% | 5,311 |
| Cost of funding earning assets | 0.9153% | 6,519 |
| Net interest margin | 4.0027% | 3,005 |
| Noninterest income to average assets | 0.5579% | 3,641 |
| Noninterest expense to average assets | 2.9086% | 4,041 |
| Loan and lease loss provision to assets | 0.2080% | 4,794 |
| Net operating income to assets | 0.5731% | 3,979 |
| Return on assets (ROA) | 0.5731% | 4,124 |
| Pretax return on assets | 0.9327% | 3,379 |
| Return on Equity (ROE) | 4.4655% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.4655% | 3,225 |
| Net charge-offs to loans | 0.0448% | 5,756 |
| Credit loss provision to net charge-offs | 685.7143% | 544 |
| Earnings coverage of net charge-offs (x) | 37.6071% | 767 |
| Efficiency ratio | 70.1980% | 4,154 |
| Assets per employee ($millions) | 3.8500% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 5,585 |
| Loan loss allowance to noncurrent loans | 237.0675% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 6,469 |
| Noncurrent loans to loans | 0.4948% | 6,257 |
| Net loans and leases to total assets | 64.2645% | 4,208 |
| Net loans and leases to deposits | 77.5150% | 4,077 |
| Net loans and leases to core deposits | 78.2601% | 4,900 |
| Total domestic deposits to total assets | 82.9059% | 4,608 |
| Equity capital to assets | 12.6960% | 1,687 |
| Core capital (leverage) ratio | 9.0170% | 4,573 |
| Tier 1 risk-based capital ratio | 11.7388% | 5,552 |
| Total risk-based capital ratio | 12.7717% | 5,724 |
| Memoranda: | ||
| Average total assets | $184,625,670 | 3,374 |
| Average earning assets | $161,042,000 | 3,492 |
| Average equity | $23,693,000 | 2,721 |
| Average total loans | $124,932,330 | 3,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 4,560 |
| Cost of funding earning assets | 0.9538% | 6,560 |
| Net interest margin | 4.1400% | 2,269 |
| Noninterest income to average assets | 0.5564% | 3,598 |
| Noninterest expense to average assets | 2.8716% | 4,180 |
| Loan and lease loss provision to assets | 0.3768% | 3,109 |
| Net operating income to assets | 0.5410% | 4,175 |
| Return on assets (ROA) | 0.5410% | 4,313 |
| Pretax return on assets | 0.8827% | 3,527 |
| Return on Equity (ROE) | 4.1928% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.1928% | 3,632 |
| Net charge-offs to loans | -0.0508% | 7,353 |
| Credit loss provision to net charge-offs | -1,075.0000% | 6,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8685% | 4,744 |
| Assets per employee ($millions) | 3.7996% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,588 |
| Loan loss allowance to noncurrent loans | 141.7636% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.6212% | 5,964 |
| Noncurrent loans to loans | 0.8340% | 5,645 |
| Net loans and leases to total assets | 67.0466% | 3,619 |
| Net loans and leases to deposits | 81.2134% | 3,425 |
| Net loans and leases to core deposits | 82.0230% | 4,483 |
| Total domestic deposits to total assets | 82.5561% | 4,823 |
| Equity capital to assets | 12.9807% | 1,534 |
| Core capital (leverage) ratio | 9.1531% | 4,292 |
| Tier 1 risk-based capital ratio | 11.2113% | 5,946 |
| Total risk-based capital ratio | 12.2337% | 6,141 |
| Memoranda: | ||
| Average total assets | $182,613,500 | 3,462 |
| Average earning assets | $157,681,500 | 3,617 |
| Average equity | $23,564,000 | 2,763 |
| Average total loans | $126,061,500 | 3,344 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5846% | 3,687 |
| Cost of funding earning assets | 1.3461% | 6,158 |
| Net interest margin | 4.2385% | 1,947 |
| Noninterest income to average assets | 0.6102% | 3,553 |
| Noninterest expense to average assets | 2.9649% | 4,282 |
| Loan and lease loss provision to assets | 2.1815% | 955 |
| Net operating income to assets | -0.5481% | 6,230 |
| Return on assets (ROA) | -0.5481% | 6,223 |
| Pretax return on assets | -0.8609% | 6,310 |
| Return on Equity (ROE) | -4.1194% | 6,122 |
| Retained earnings to average equity (ytd only) | -4.1194% | 5,886 |
| Net charge-offs to loans | 3.0575% | 683 |
| Credit loss provision to net charge-offs | 100.1767% | 5,506 |
| Earnings coverage of net charge-offs (x) | 0.6064% | 5,494 |
| Efficiency ratio | 67.6074% | 5,078 |
| Assets per employee ($millions) | 3.8093% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 6,430 |
| Loan loss allowance to noncurrent loans | 1,148.6486% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 7,348 |
| Noncurrent loans to loans | 0.0865% | 7,198 |
| Net loans and leases to total assets | 69.5146% | 3,359 |
| Net loans and leases to deposits | 84.0415% | 3,262 |
| Net loans and leases to core deposits | 90.7829% | 5,046 |
| Total domestic deposits to total assets | 82.7146% | 4,652 |
| Equity capital to assets | 12.8270% | 1,583 |
| Core capital (leverage) ratio | 9.1276% | 4,231 |
| Tier 1 risk-based capital ratio | 10.6706% | 6,232 |
| Total risk-based capital ratio | 11.5337% | 6,577 |
| Memoranda: | ||
| Average total assets | $181,896,000 | 3,411 |
| Average earning assets | $157,720,000 | 3,561 |
| Average equity | $24,202,800 | 2,695 |
| Average total loans | $129,552,000 | 3,280 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6180% | 3,755 |
| Cost of funding earning assets | 1.4302% | 6,123 |
| Net interest margin | 4.1877% | 2,105 |
| Noninterest income to average assets | 0.5541% | 4,050 |
| Noninterest expense to average assets | 2.8654% | 4,592 |
| Loan and lease loss provision to assets | 2.8992% | 525 |
| Net operating income to assets | -1.0121% | 6,842 |
| Return on assets (ROA) | -1.0121% | 6,852 |
| Pretax return on assets | -1.5699% | 7,001 |
| Return on Equity (ROE) | -7.5384% | 6,699 |
| Retained earnings to average equity (ytd only) | -7.5384% | 6,552 |
| Net charge-offs to loans | 4.0180% | 349 |
| Credit loss provision to net charge-offs | 100.9456% | 5,033 |
| Earnings coverage of net charge-offs (x) | 0.4628% | 5,571 |
| Efficiency ratio | 66.7017% | 5,246 |
| Assets per employee ($millions) | 3.7376% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 6,089 |
| Loan loss allowance to noncurrent loans | 1,403.2258% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 7,428 |
| Noncurrent loans to loans | 0.0737% | 7,311 |
| Net loans and leases to total assets | 71.0995% | 3,246 |
| Net loans and leases to deposits | 87.1760% | 3,114 |
| Net loans and leases to core deposits | 94.9260% | 4,937 |
| Total domestic deposits to total assets | 81.5586% | 4,850 |
| Equity capital to assets | 13.1495% | 1,641 |
| Core capital (leverage) ratio | 8.7861% | 4,999 |
| Tier 1 risk-based capital ratio | 10.5022% | 6,469 |
| Total risk-based capital ratio | 11.3950% | 6,779 |
| Memoranda: | ||
| Average total assets | $181,658,000 | 3,442 |
| Average earning assets | $157,917,250 | 3,578 |
| Average equity | $24,390,000 | 2,702 |
| Average total loans | $129,844,750 | 3,303 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7421% | 3,331 |
| Cost of funding earning assets | 1.5165% | 6,070 |
| Net interest margin | 4.2256% | 1,897 |
| Noninterest income to average assets | 0.5260% | 4,223 |
| Noninterest expense to average assets | 2.8499% | 4,739 |
| Loan and lease loss provision to assets | 0.0327% | 6,909 |
| Net operating income to assets | 0.7939% | 2,878 |
| Return on assets (ROA) | 0.7939% | 2,970 |
| Pretax return on assets | 1.3090% | 1,997 |
| Return on Equity (ROE) | 5.8742% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.8742% | 2,082 |
| Net charge-offs to loans | 0.0717% | 5,504 |
| Credit loss provision to net charge-offs | 63.8298% | 5,528 |
| Earnings coverage of net charge-offs (x) | 26.2128% | 1,091 |
| Efficiency ratio | 66.4069% | 5,474 |
| Assets per employee ($millions) | 3.7033% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,591 |
| Loan loss allowance to noncurrent loans | 231.2384% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2922% | 6,741 |
| Noncurrent loans to loans | 0.4075% | 6,488 |
| Net loans and leases to total assets | 71.0253% | 3,457 |
| Net loans and leases to deposits | 87.6970% | 3,221 |
| Net loans and leases to core deposits | 95.1807% | 4,991 |
| Total domestic deposits to total assets | 80.9894% | 5,084 |
| Equity capital to assets | 13.6316% | 1,445 |
| Core capital (leverage) ratio | 9.8230% | 3,485 |
| Tier 1 risk-based capital ratio | 11.4361% | 5,460 |
| Total risk-based capital ratio | 12.2570% | 5,798 |
| Memoranda: | ||
| Average total assets | $183,655,670 | 3,426 |
| Average earning assets | $159,315,330 | 3,571 |
| Average equity | $24,820,330 | 2,659 |
| Average total loans | $131,059,000 | 3,318 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 3,641 |
| Cost of funding earning assets | 1.6013% | 6,026 |
| Net interest margin | 4.1287% | 2,173 |
| Noninterest income to average assets | 0.5502% | 3,917 |
| Noninterest expense to average assets | 2.7833% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8303% | 2,995 |
| Return on assets (ROA) | 0.8303% | 3,146 |
| Pretax return on assets | 1.3582% | 2,093 |
| Return on Equity (ROE) | 6.4293% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.4293% | 2,448 |
| Net charge-offs to loans | 0.0034% | 5,678 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 548.0000% | 46 |
| Efficiency ratio | 66.1281% | 5,307 |
| Assets per employee ($millions) | 3.2681% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,542 |
| Loan loss allowance to noncurrent loans | 5,147.6190% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 7,597 |
| Noncurrent loans to loans | 0.0183% | 7,506 |
| Net loans and leases to total assets | 70.9930% | 3,468 |
| Net loans and leases to deposits | 90.8572% | 2,802 |
| Net loans and leases to core deposits | 99.2059% | 4,620 |
| Total domestic deposits to total assets | 78.1368% | 5,962 |
| Equity capital to assets | 13.1338% | 1,687 |
| Core capital (leverage) ratio | 9.3667% | 4,150 |
| Tier 1 risk-based capital ratio | 10.7662% | 6,123 |
| Total risk-based capital ratio | 11.5713% | 6,493 |
| Memoranda: | ||
| Average total assets | $161,391,000 | 3,806 |
| Average earning assets | $140,384,500 | 3,945 |
| Average equity | $20,842,000 | 3,133 |
| Average total loans | $116,907,500 | 3,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4457% | 3,202 |
| Cost of funding earning assets | 2.0865% | 6,107 |
| Net interest margin | 4.3592% | 1,795 |
| Noninterest income to average assets | 0.6936% | 3,156 |
| Noninterest expense to average assets | 2.8043% | 4,798 |
| Loan and lease loss provision to assets | 0.0166% | 7,175 |
| Net operating income to assets | 1.0640% | 2,286 |
| Return on assets (ROA) | 1.0640% | 2,194 |
| Pretax return on assets | 1.7170% | 1,111 |
| Return on Equity (ROE) | 8.3659% | 2,908 |
| Retained earnings to average equity (ytd only) | 2.0915% | 3,935 |
| Net charge-offs to loans | -0.0640% | 8,051 |
| Credit loss provision to net charge-offs | -35.7143% | 7,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9906% | 6,166 |
| Assets per employee ($millions) | 3.8725% | 3,805 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 6,628 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 72.5297% | 3,480 |
| Net loans and leases to deposits | 91.9669% | 3,138 |
| Net loans and leases to core deposits | 99.8891% | 4,833 |
| Total domestic deposits to total assets | 78.8650% | 5,423 |
| Equity capital to assets | 12.6976% | 1,920 |
| Core capital (leverage) ratio | 9.0667% | 4,644 |
| Tier 1 risk-based capital ratio | 10.1819% | 6,537 |
| Total risk-based capital ratio | 10.9630% | 6,968 |
| Memoranda: | ||
| Average total assets | $150,374,200 | 3,892 |
| Average earning assets | $132,615,400 | 3,997 |
| Average equity | $19,125,200 | 3,376 |
| Average total loans | $109,297,000 | 3,695 |