Home > Springfield State Bank > Performance and Condition Ratios
Springfield State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0013% | 3,119 |
| Cost of funding earning assets | 2.1547% | 1,545 |
| Net interest margin | 2.8466% | 3,642 |
| Noninterest income to average assets | 0.3500% | 2,536 |
| Noninterest expense to average assets | 1.6408% | 4,098 |
| Loan and lease loss provision to assets | 0.1300% | 1,005 |
| Net operating income to assets | 1.0043% | 2,260 |
| Return on assets (ROA) | 0.9129% | 2,539 |
| Pretax return on assets | 1.1459% | 2,373 |
| Return on Equity (ROE) | 8.3200% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.3190% | 1,608 |
| Net charge-offs to loans | -0.0093% | 3,901 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 54.2078% | 3,584 |
| Assets per employee ($millions) | 10.8170% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 2,883 |
| Loan loss allowance to noncurrent loans | 1,541.2322% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,344 |
| Noncurrent loans to loans | 0.0692% | 3,329 |
| Net loans and leases to total assets | 67.9800% | 2,085 |
| Net loans and leases to deposits | 87.3159% | 1,366 |
| Net loans and leases to core deposits | 102.7178% | 1,211 |
| Total domestic deposits to total assets | 77.8600% | 3,828 |
| Equity capital to assets | 11.2540% | 1,537 |
| Core capital (leverage) ratio | 14.5634% | 671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $441,241,500 | 1,954 |
| Average earning assets | $415,652,500 | 1,926 |
| Average equity | $48,419,000 | 1,800 |
| Average total loans | $302,425,000 | 1,876 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 3,519 |
| Cost of funding earning assets | 2.0818% | 2,024 |
| Net interest margin | 2.6663% | 3,678 |
| Noninterest income to average assets | 0.5000% | 1,933 |
| Noninterest expense to average assets | 1.8227% | 3,924 |
| Loan and lease loss provision to assets | 0.0800% | 1,685 |
| Net operating income to assets | 0.8152% | 2,653 |
| Return on assets (ROA) | 0.8150% | 2,662 |
| Pretax return on assets | 1.0953% | 2,263 |
| Return on Equity (ROE) | 7.4900% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.2003% | 2,151 |
| Net charge-offs to loans | 0.0050% | 2,763 |
| Credit loss provision to net charge-offs | 2,571.4286% | 184 |
| Earnings coverage of net charge-offs (x) | 357.8571% | 332 |
| Efficiency ratio | 60.6936% | 3,086 |
| Assets per employee ($millions) | 10.9747% | 576 |
| Cash dividends to net income (ytd only)* | 30.5291% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,025 |
| Loan loss allowance to noncurrent loans | 1,601.0309% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.0442% | 3,358 |
| Noncurrent loans to loans | 0.0646% | 3,324 |
| Net loans and leases to total assets | 67.6600% | 2,184 |
| Net loans and leases to deposits | 86.7203% | 1,522 |
| Net loans and leases to core deposits | 101.9501% | 1,337 |
| Total domestic deposits to total assets | 78.0200% | 3,774 |
| Equity capital to assets | 10.6898% | 1,732 |
| Core capital (leverage) ratio | 14.5718% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $424,431,400 | 1,976 |
| Average earning assets | $398,495,400 | 1,956 |
| Average equity | $46,208,800 | 1,805 |
| Average total loans | $280,031,200 | 1,931 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6745% | 3,598 |
| Cost of funding earning assets | 2.0524% | 2,083 |
| Net interest margin | 2.6221% | 3,732 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 1.8156% | 3,907 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 0.7287% | 2,905 |
| Return on assets (ROA) | 0.7284% | 2,924 |
| Pretax return on assets | 0.8980% | 2,805 |
| Return on Equity (ROE) | 6.6600% | 3,134 |
| Retained earnings to average equity (ytd only) | 5.1531% | 2,405 |
| Net charge-offs to loans | -0.0010% | 3,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 64.8557% | 2,611 |
| Assets per employee ($millions) | 10.5024% | 663 |
| Cash dividends to net income (ytd only)* | 22.6185% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 2,926 |
| Loan loss allowance to noncurrent loans | 1,144.1509% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,297 |
| Noncurrent loans to loans | 0.0930% | 3,228 |
| Net loans and leases to total assets | 65.4700% | 2,376 |
| Net loans and leases to deposits | 86.0419% | 1,638 |
| Net loans and leases to core deposits | 101.3146% | 1,404 |
| Total domestic deposits to total assets | 76.0900% | 3,919 |
| Equity capital to assets | 11.5458% | 1,456 |
| Core capital (leverage) ratio | 14.7032% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $420,792,500 | 1,983 |
| Average earning assets | $394,527,250 | 1,965 |
| Average equity | $46,029,250 | 1,810 |
| Average total loans | $275,011,500 | 1,948 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 3,629 |
| Cost of funding earning assets | 1.9937% | 2,131 |
| Net interest margin | 2.6134% | 3,718 |
| Noninterest income to average assets | 0.3500% | 2,689 |
| Noninterest expense to average assets | 1.7743% | 3,972 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 0.7611% | 2,756 |
| Return on assets (ROA) | 0.7607% | 2,772 |
| Pretax return on assets | 0.9317% | 2,675 |
| Return on Equity (ROE) | 7.0900% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.7678% | 2,426 |
| Net charge-offs to loans | -0.0007% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 63.5334% | 2,829 |
| Assets per employee ($millions) | 10.3058% | 670 |
| Cash dividends to net income (ytd only)* | 32.7456% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 2,966 |
| Loan loss allowance to noncurrent loans | 1,391.9811% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 3,328 |
| Noncurrent loans to loans | 0.0765% | 3,287 |
| Net loans and leases to total assets | 64.9300% | 2,456 |
| Net loans and leases to deposits | 84.6425% | 1,776 |
| Net loans and leases to core deposits | 97.1834% | 1,662 |
| Total domestic deposits to total assets | 76.7100% | 3,828 |
| Equity capital to assets | 10.7301% | 1,689 |
| Core capital (leverage) ratio | 14.7959% | 654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $417,523,333 | 1,986 |
| Average earning assets | $390,831,000 | 1,974 |
| Average equity | $44,800,333 | 1,827 |
| Average total loans | $271,699,000 | 1,960 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5307% | 3,633 |
| Cost of funding earning assets | 1.9432% | 2,139 |
| Net interest margin | 2.5875% | 3,732 |
| Noninterest income to average assets | 0.3700% | 2,484 |
| Noninterest expense to average assets | 1.7503% | 4,024 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 0.7691% | 2,635 |
| Return on assets (ROA) | 0.7691% | 2,649 |
| Pretax return on assets | 0.9551% | 2,513 |
| Return on Equity (ROE) | 7.1700% | 2,913 |
| Retained earnings to average equity (ytd only) | 7.1680% | 1,782 |
| Net charge-offs to loans | -0.0283% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 62.6855% | 2,952 |
| Assets per employee ($millions) | 10.1520% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 2,975 |
| Loan loss allowance to noncurrent loans | 1,077.9026% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,225 |
| Noncurrent loans to loans | 0.0989% | 3,109 |
| Net loans and leases to total assets | 64.1900% | 2,453 |
| Net loans and leases to deposits | 83.1888% | 1,782 |
| Net loans and leases to core deposits | 95.2450% | 1,687 |
| Total domestic deposits to total assets | 77.1600% | 3,888 |
| Equity capital to assets | 10.6922% | 1,637 |
| Core capital (leverage) ratio | 15.2272% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $415,015,500 | 2,001 |
| Average earning assets | $388,638,000 | 1,989 |
| Average equity | $44,531,000 | 1,820 |
| Average total loans | $268,903,000 | 1,971 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2306% | 3,573 |
| Cost of funding earning assets | 1.3117% | 2,481 |
| Net interest margin | 2.9188% | 3,442 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.7393% | 4,083 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.0288% | 2,121 |
| Return on assets (ROA) | 1.0256% | 2,117 |
| Pretax return on assets | 1.2587% | 1,983 |
| Return on Equity (ROE) | 9.8700% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.3762% | 1,764 |
| Net charge-offs to loans | 0.0134% | 2,155 |
| Credit loss provision to net charge-offs | 1,090.9091% | 384 |
| Earnings coverage of net charge-offs (x) | 162.0909% | 679 |
| Efficiency ratio | 56.2311% | 3,476 |
| Assets per employee ($millions) | 10.0927% | 689 |
| Cash dividends to net income (ytd only)* | 25.2962% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,138 |
| Loan loss allowance to noncurrent loans | 884.6645% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.0756% | 3,044 |
| Noncurrent loans to loans | 0.1169% | 2,936 |
| Net loans and leases to total assets | 64.0400% | 2,457 |
| Net loans and leases to deposits | 84.9885% | 1,692 |
| Net loans and leases to core deposits | 94.7499% | 1,723 |
| Total domestic deposits to total assets | 75.3500% | 3,997 |
| Equity capital to assets | 10.7680% | 1,598 |
| Core capital (leverage) ratio | 15.5324% | 540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6932% | 562 |
| Memoranda: | ||
| Average total assets | $395,100,600 | 2,028 |
| Average earning assets | $368,744,800 | 2,016 |
| Average equity | $41,037,400 | 1,851 |
| Average total loans | $246,720,800 | 2,018 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1549% | 3,549 |
| Cost of funding earning assets | 1.1791% | 2,493 |
| Net interest margin | 2.9758% | 3,388 |
| Noninterest income to average assets | 0.3500% | 2,790 |
| Noninterest expense to average assets | 1.7003% | 4,126 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.0743% | 2,132 |
| Return on assets (ROA) | 1.0699% | 2,138 |
| Pretax return on assets | 1.3213% | 1,976 |
| Return on Equity (ROE) | 10.4000% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.7255% | 1,761 |
| Net charge-offs to loans | 0.0044% | 2,324 |
| Credit loss provision to net charge-offs | 3,375.0000% | 142 |
| Earnings coverage of net charge-offs (x) | 519.3750% | 303 |
| Efficiency ratio | 54.5106% | 3,547 |
| Assets per employee ($millions) | 9.6692% | 753 |
| Cash dividends to net income (ytd only)* | 16.1187% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,075 |
| Loan loss allowance to noncurrent loans | 785.7558% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 3,013 |
| Noncurrent loans to loans | 0.1347% | 2,881 |
| Net loans and leases to total assets | 63.7100% | 2,477 |
| Net loans and leases to deposits | 82.0999% | 1,893 |
| Net loans and leases to core deposits | 90.6515% | 1,884 |
| Total domestic deposits to total assets | 77.6100% | 3,861 |
| Equity capital to assets | 9.8273% | 1,923 |
| Core capital (leverage) ratio | 15.6496% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $390,425,500 | 2,040 |
| Average earning assets | $363,898,250 | 2,028 |
| Average equity | $40,157,250 | 1,864 |
| Average total loans | $241,461,250 | 2,052 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 3,611 |
| Cost of funding earning assets | 1.0872% | 2,327 |
| Net interest margin | 2.9491% | 3,563 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 1.6987% | 4,149 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.0892% | 2,152 |
| Return on assets (ROA) | 1.0823% | 2,163 |
| Pretax return on assets | 1.2986% | 2,083 |
| Return on Equity (ROE) | 10.3700% | 2,605 |
| Retained earnings to average equity (ytd only) | 7.8754% | 2,004 |
| Net charge-offs to loans | 0.0051% | 2,087 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 453.0000% | 329 |
| Efficiency ratio | 54.8280% | 3,548 |
| Assets per employee ($millions) | 9.6004% | 753 |
| Cash dividends to net income (ytd only)* | 24.0247% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0890% | 3,001 |
| Loan loss allowance to noncurrent loans | 1,087.8543% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0628% | 3,135 |
| Noncurrent loans to loans | 0.1001% | 2,988 |
| Net loans and leases to total assets | 62.0000% | 2,574 |
| Net loans and leases to deposits | 80.0682% | 1,970 |
| Net loans and leases to core deposits | 88.0319% | 1,928 |
| Total domestic deposits to total assets | 77.4400% | 3,902 |
| Equity capital to assets | 10.4978% | 1,603 |
| Core capital (leverage) ratio | 15.6130% | 518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $388,422,000 | 2,050 |
| Average earning assets | $362,211,333 | 2,037 |
| Average equity | $40,556,667 | 1,858 |
| Average total loans | $236,852,000 | 2,072 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,595 |
| Cost of funding earning assets | 1.0229% | 1,970 |
| Net interest margin | 2.9133% | 3,771 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.6671% | 4,231 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0798% | 2,286 |
| Return on assets (ROA) | 1.0730% | 2,281 |
| Pretax return on assets | 1.3125% | 2,143 |
| Return on Equity (ROE) | 10.3100% | 2,696 |
| Retained earnings to average equity (ytd only) | 10.3050% | 1,631 |
| Net charge-offs to loans | 0.0103% | 1,551 |
| Credit loss provision to net charge-offs | 1,500.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 227.3333% | 469 |
| Efficiency ratio | 54.1050% | 3,590 |
| Assets per employee ($millions) | 10.3995% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1106% | 2,998 |
| Loan loss allowance to noncurrent loans | 1,002.7027% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 3,127 |
| Noncurrent loans to loans | 0.1108% | 2,966 |
| Net loans and leases to total assets | 60.1000% | 2,640 |
| Net loans and leases to deposits | 75.7683% | 2,141 |
| Net loans and leases to core deposits | 82.2510% | 2,103 |
| Total domestic deposits to total assets | 79.3200% | 3,863 |
| Equity capital to assets | 10.6951% | 1,460 |
| Core capital (leverage) ratio | 15.4190% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $385,825,500 | 2,081 |
| Average earning assets | $360,139,000 | 2,066 |
| Average equity | $40,174,500 | 1,893 |
| Average total loans | $231,906,500 | 2,109 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6854% | 2,565 |
| Cost of funding earning assets | 0.7885% | 405 |
| Net interest margin | 2.8969% | 3,688 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 1.5007% | 4,425 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.2046% | 1,751 |
| Return on assets (ROA) | 1.1945% | 1,730 |
| Pretax return on assets | 1.4840% | 1,505 |
| Return on Equity (ROE) | 10.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.3190% | 1,715 |
| Net charge-offs to loans | 0.0033% | 2,349 |
| Credit loss provision to net charge-offs | 4,285.7143% | 151 |
| Earnings coverage of net charge-offs (x) | 861.1429% | 211 |
| Efficiency ratio | 48.7937% | 4,199 |
| Assets per employee ($millions) | 9.4358% | 803 |
| Cash dividends to net income (ytd only)* | 21.7629% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 2,934 |
| Loan loss allowance to noncurrent loans | 948.3019% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,109 |
| Noncurrent loans to loans | 0.1152% | 2,950 |
| Net loans and leases to total assets | 58.8000% | 2,749 |
| Net loans and leases to deposits | 74.5965% | 2,204 |
| Net loans and leases to core deposits | 80.4053% | 2,109 |
| Total domestic deposits to total assets | 78.8200% | 4,018 |
| Equity capital to assets | 10.1316% | 1,646 |
| Core capital (leverage) ratio | 15.2435% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $382,743,000 | 2,093 |
| Average earning assets | $358,656,600 | 2,073 |
| Average equity | $42,997,800 | 1,821 |
| Average total loans | $208,969,800 | 2,172 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6198% | 2,287 |
| Cost of funding earning assets | 0.7530% | 197 |
| Net interest margin | 2.8668% | 3,577 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.3161% | 4,572 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.4032% | 1,083 |
| Return on assets (ROA) | 1.4038% | 1,053 |
| Pretax return on assets | 1.6752% | 951 |
| Return on Equity (ROE) | 12.1900% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.7063% | 1,131 |
| Net charge-offs to loans | -0.0085% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.9549% | 4,493 |
| Assets per employee ($millions) | 8.9080% | 927 |
| Cash dividends to net income (ytd only)* | 12.1921% | 2,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 2,882 |
| Loan loss allowance to noncurrent loans | 287.9717% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 2,098 |
| Noncurrent loans to loans | 0.3925% | 1,832 |
| Net loans and leases to total assets | 57.1000% | 2,787 |
| Net loans and leases to deposits | 71.4397% | 2,249 |
| Net loans and leases to core deposits | 76.8121% | 2,130 |
| Total domestic deposits to total assets | 79.9200% | 4,107 |
| Equity capital to assets | 9.9593% | 1,650 |
| Core capital (leverage) ratio | 15.2094% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $381,711,500 | 2,112 |
| Average earning assets | $358,202,500 | 2,084 |
| Average equity | $43,948,250 | 1,815 |
| Average total loans | $203,717,750 | 2,203 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5170% | 2,081 |
| Cost of funding earning assets | 0.7369% | 129 |
| Net interest margin | 2.7801% | 3,497 |
| Noninterest income to average assets | 0.3852% | 2,841 |
| Noninterest expense to average assets | 1.1425% | 4,664 |
| Loan and lease loss provision to assets | 0.0625% | 1,479 |
| Net operating income to assets | 1.4778% | 748 |
| Return on assets (ROA) | 1.4783% | 728 |
| Pretax return on assets | 1.7963% | 606 |
| Return on Equity (ROE) | 12.3004% | 1,583 |
| Retained earnings to average equity (ytd only) | 10.1782% | 972 |
| Net charge-offs to loans | 0.0030% | 1,960 |
| Credit loss provision to net charge-offs | 4,000.0000% | 132 |
| Earnings coverage of net charge-offs (x) | 1,190.0000% | 103 |
| Efficiency ratio | 38.0746% | 4,650 |
| Assets per employee ($millions) | 9.0827% | 857 |
| Cash dividends to net income (ytd only)* | 17.2535% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,053 |
| Loan loss allowance to noncurrent loans | 258.9800% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 2,138 |
| Noncurrent loans to loans | 0.4351% | 1,821 |
| Net loans and leases to total assets | 53.7262% | 2,995 |
| Net loans and leases to deposits | 68.2145% | 2,375 |
| Net loans and leases to core deposits | 72.8953% | 2,246 |
| Total domestic deposits to total assets | 78.7608% | 4,309 |
| Equity capital to assets | 11.0406% | 1,194 |
| Core capital (leverage) ratio | 14.8974% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $384,237,333 | 2,112 |
| Average earning assets | $361,499,000 | 2,096 |
| Average equity | $46,177,333 | 1,793 |
| Average total loans | $199,603,333 | 2,239 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4199% | 2,030 |
| Cost of funding earning assets | 0.7213% | 137 |
| Net interest margin | 2.6986% | 3,402 |
| Noninterest income to average assets | 0.3465% | 3,021 |
| Noninterest expense to average assets | 1.6306% | 4,248 |
| Loan and lease loss provision to assets | 0.0622% | 1,299 |
| Net operating income to assets | 1.0238% | 1,786 |
| Return on assets (ROA) | 1.0238% | 1,777 |
| Pretax return on assets | 1.2033% | 1,803 |
| Return on Equity (ROE) | 8.1896% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.1896% | 1,524 |
| Net charge-offs to loans | -0.0225% | 3,977 |
| Credit loss provision to net charge-offs | -545.4545% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3037% | 3,854 |
| Assets per employee ($millions) | 9.5501% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,050 |
| Loan loss allowance to noncurrent loans | 289.8734% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 2,391 |
| Noncurrent loans to loans | 0.4007% | 2,059 |
| Net loans and leases to total assets | 51.0131% | 3,069 |
| Net loans and leases to deposits | 66.1551% | 2,326 |
| Net loans and leases to core deposits | 70.3681% | 2,260 |
| Total domestic deposits to total assets | 77.1114% | 4,454 |
| Equity capital to assets | 11.6510% | 1,074 |
| Core capital (leverage) ratio | 14.4837% | 509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $385,619,500 | 2,116 |
| Average earning assets | $364,342,500 | 2,097 |
| Average equity | $48,207,500 | 1,784 |
| Average total loans | $195,761,500 | 2,258 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 2,141 |
| Cost of funding earning assets | 0.7900% | 212 |
| Net interest margin | 2.8990% | 3,441 |
| Noninterest income to average assets | 0.3164% | 3,516 |
| Noninterest expense to average assets | 2.1981% | 3,095 |
| Loan and lease loss provision to assets | 0.0638% | 1,795 |
| Net operating income to assets | 0.7244% | 3,554 |
| Return on assets (ROA) | 0.7251% | 3,618 |
| Pretax return on assets | 0.8040% | 3,717 |
| Return on Equity (ROE) | 5.1795% | 3,958 |
| Retained earnings to average equity (ytd only) | 2.4502% | 3,841 |
| Net charge-offs to loans | 0.0123% | 2,105 |
| Credit loss provision to net charge-offs | 1,043.4783% | 517 |
| Earnings coverage of net charge-offs (x) | 141.8696% | 697 |
| Efficiency ratio | 71.7146% | 1,540 |
| Assets per employee ($millions) | 9.9804% | 671 |
| Cash dividends to net income (ytd only)* | 52.6933% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1417% | 3,164 |
| Loan loss allowance to noncurrent loans | 277.7222% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,539 |
| Noncurrent loans to loans | 0.4111% | 2,127 |
| Net loans and leases to total assets | 49.3640% | 3,367 |
| Net loans and leases to deposits | 64.8577% | 2,610 |
| Net loans and leases to core deposits | 68.9540% | 2,554 |
| Total domestic deposits to total assets | 76.1112% | 4,508 |
| Equity capital to assets | 13.3358% | 812 |
| Core capital (leverage) ratio | 14.2545% | 581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $376,378,600 | 2,078 |
| Average earning assets | $356,845,600 | 2,056 |
| Average equity | $52,688,800 | 1,687 |
| Average total loans | $187,627,600 | 2,322 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 2,079 |
| Cost of funding earning assets | 0.8068% | 236 |
| Net interest margin | 2.9670% | 3,390 |
| Noninterest income to average assets | 0.3151% | 3,535 |
| Noninterest expense to average assets | 1.6353% | 4,419 |
| Loan and lease loss provision to assets | 0.0643% | 1,712 |
| Net operating income to assets | 1.1799% | 2,230 |
| Return on assets (ROA) | 1.1805% | 2,286 |
| Pretax return on assets | 1.4281% | 2,220 |
| Return on Equity (ROE) | 8.3300% | 3,305 |
| Retained earnings to average equity (ytd only) | 5.9374% | 2,846 |
| Net charge-offs to loans | 0.0158% | 1,766 |
| Credit loss provision to net charge-offs | 818.1818% | 582 |
| Earnings coverage of net charge-offs (x) | 189.7727% | 574 |
| Efficiency ratio | 52.2966% | 4,003 |
| Assets per employee ($millions) | 9.7878% | 685 |
| Cash dividends to net income (ytd only)* | 28.7228% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,197 |
| Loan loss allowance to noncurrent loans | 171.9745% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3290% | 2,135 |
| Noncurrent loans to loans | 0.6699% | 1,637 |
| Net loans and leases to total assets | 48.5525% | 3,569 |
| Net loans and leases to deposits | 64.5808% | 2,781 |
| Net loans and leases to core deposits | 68.3458% | 2,748 |
| Total domestic deposits to total assets | 75.1810% | 4,594 |
| Equity capital to assets | 14.0722% | 722 |
| Core capital (leverage) ratio | 14.6503% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,164,000 | 2,116 |
| Average earning assets | $353,661,250 | 2,086 |
| Average equity | $52,884,000 | 1,703 |
| Average total loans | $185,944,000 | 2,378 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 1,647 |
| Cost of funding earning assets | 0.8247% | 258 |
| Net interest margin | 3.1398% | 2,927 |
| Noninterest income to average assets | 0.3051% | 3,607 |
| Noninterest expense to average assets | 1.6975% | 4,365 |
| Loan and lease loss provision to assets | 0.0648% | 1,746 |
| Net operating income to assets | 1.2473% | 2,028 |
| Return on assets (ROA) | 1.2481% | 2,091 |
| Pretax return on assets | 1.5193% | 1,959 |
| Return on Equity (ROE) | 8.7860% | 3,170 |
| Retained earnings to average equity (ytd only) | 5.3758% | 3,044 |
| Net charge-offs to loans | 0.0518% | 1,103 |
| Credit loss provision to net charge-offs | 250.0000% | 965 |
| Earnings coverage of net charge-offs (x) | 61.0625% | 962 |
| Efficiency ratio | 51.7451% | 4,069 |
| Assets per employee ($millions) | 9.7058% | 670 |
| Cash dividends to net income (ytd only)* | 38.8144% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,364 |
| Loan loss allowance to noncurrent loans | 494.9881% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 3,488 |
| Noncurrent loans to loans | 0.2249% | 3,155 |
| Net loans and leases to total assets | 48.6710% | 3,671 |
| Net loans and leases to deposits | 64.1333% | 2,989 |
| Net loans and leases to core deposits | 67.9166% | 2,968 |
| Total domestic deposits to total assets | 75.8904% | 4,567 |
| Equity capital to assets | 14.0041% | 717 |
| Core capital (leverage) ratio | 14.5764% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $370,311,000 | 2,117 |
| Average earning assets | $350,913,333 | 2,084 |
| Average equity | $52,606,333 | 1,701 |
| Average total loans | $185,426,667 | 2,390 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0086% | 1,594 |
| Cost of funding earning assets | 0.8377% | 298 |
| Net interest margin | 3.1708% | 2,786 |
| Noninterest income to average assets | 0.3058% | 3,583 |
| Noninterest expense to average assets | 1.7280% | 4,324 |
| Loan and lease loss provision to assets | 0.0655% | 1,833 |
| Net operating income to assets | 1.2692% | 1,925 |
| Return on assets (ROA) | 1.2692% | 1,999 |
| Pretax return on assets | 1.5139% | 1,957 |
| Return on Equity (ROE) | 8.8694% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.8694% | 1,993 |
| Net charge-offs to loans | 0.1146% | 619 |
| Credit loss provision to net charge-offs | 113.2075% | 1,064 |
| Earnings coverage of net charge-offs (x) | 27.2830% | 1,133 |
| Efficiency ratio | 52.2457% | 3,971 |
| Assets per employee ($millions) | 9.4617% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,506 |
| Loan loss allowance to noncurrent loans | 324.0323% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1680% | 3,323 |
| Noncurrent loans to loans | 0.3350% | 2,893 |
| Net loans and leases to total assets | 49.6165% | 3,665 |
| Net loans and leases to deposits | 65.8027% | 2,938 |
| Net loans and leases to core deposits | 69.8774% | 2,875 |
| Total domestic deposits to total assets | 75.4020% | 4,611 |
| Equity capital to assets | 14.0957% | 653 |
| Core capital (leverage) ratio | 14.9058% | 493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,204,000 | 2,115 |
| Average earning assets | $346,658,500 | 2,093 |
| Average equity | $52,405,000 | 1,700 |
| Average total loans | $184,987,000 | 2,399 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 2,737 |
| Cost of funding earning assets | 0.9726% | 663 |
| Net interest margin | 3.0244% | 3,833 |
| Noninterest income to average assets | 0.3215% | 3,537 |
| Noninterest expense to average assets | 2.0569% | 4,028 |
| Loan and lease loss provision to assets | 0.1152% | 2,911 |
| Net operating income to assets | 0.9172% | 2,621 |
| Return on assets (ROA) | 0.9180% | 2,751 |
| Pretax return on assets | 1.0058% | 3,029 |
| Return on Equity (ROE) | 6.1364% | 3,537 |
| Retained earnings to average equity (ytd only) | 4.3015% | 2,650 |
| Net charge-offs to loans | 0.0252% | 2,536 |
| Credit loss provision to net charge-offs | 858.6957% | 857 |
| Earnings coverage of net charge-offs (x) | 83.4783% | 874 |
| Efficiency ratio | 64.7415% | 2,714 |
| Assets per employee ($millions) | 8.8635% | 775 |
| Cash dividends to net income (ytd only)* | 29.9015% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,544 |
| Loan loss allowance to noncurrent loans | 186.9281% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 2,816 |
| Noncurrent loans to loans | 0.5793% | 2,252 |
| Net loans and leases to total assets | 50.3231% | 3,800 |
| Net loans and leases to deposits | 68.1051% | 3,063 |
| Net loans and leases to core deposits | 72.2292% | 3,057 |
| Total domestic deposits to total assets | 73.8903% | 4,639 |
| Equity capital to assets | 14.5283% | 672 |
| Core capital (leverage) ratio | 14.9638% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,805,200 | 2,087 |
| Average earning assets | $323,671,600 | 2,064 |
| Average equity | $51,284,400 | 1,656 |
| Average total loans | $182,604,400 | 2,391 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1165% | 2,636 |
| Cost of funding earning assets | 0.9999% | 758 |
| Net interest margin | 3.1166% | 3,698 |
| Noninterest income to average assets | 0.3277% | 3,523 |
| Noninterest expense to average assets | 1.9878% | 4,173 |
| Loan and lease loss provision to assets | 0.1442% | 2,575 |
| Net operating income to assets | 1.0090% | 2,309 |
| Return on assets (ROA) | 1.0097% | 2,436 |
| Pretax return on assets | 1.1380% | 2,611 |
| Return on Equity (ROE) | 6.6971% | 3,312 |
| Retained earnings to average equity (ytd only) | 5.4844% | 2,332 |
| Net charge-offs to loans | -0.0359% | 4,589 |
| Credit loss provision to net charge-offs | -744.8980% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8044% | 3,259 |
| Assets per employee ($millions) | 8.5064% | 840 |
| Cash dividends to net income (ytd only)* | 18.1072% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 3,058 |
| Loan loss allowance to noncurrent loans | 127.0436% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 2,323 |
| Noncurrent loans to loans | 0.8866% | 1,690 |
| Net loans and leases to total assets | 52.0259% | 3,965 |
| Net loans and leases to deposits | 70.6498% | 3,251 |
| Net loans and leases to core deposits | 74.7218% | 3,262 |
| Total domestic deposits to total assets | 73.6391% | 4,593 |
| Equity capital to assets | 15.0176% | 634 |
| Core capital (leverage) ratio | 15.2309% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3400% | 388 |
| Memoranda: | ||
| Average total assets | $337,656,000 | 2,086 |
| Average earning assets | $318,677,500 | 2,059 |
| Average equity | $50,906,500 | 1,662 |
| Average total loans | $182,036,250 | 2,398 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2816% | 2,517 |
| Cost of funding earning assets | 1.0204% | 926 |
| Net interest margin | 3.2612% | 3,487 |
| Noninterest income to average assets | 0.3282% | 3,505 |
| Noninterest expense to average assets | 2.0164% | 4,202 |
| Loan and lease loss provision to assets | 0.1707% | 2,298 |
| Net operating income to assets | 1.0882% | 2,007 |
| Return on assets (ROA) | 1.0888% | 2,130 |
| Pretax return on assets | 1.2157% | 2,312 |
| Return on Equity (ROE) | 7.2119% | 3,053 |
| Retained earnings to average equity (ytd only) | 5.3752% | 2,322 |
| Net charge-offs to loans | -0.0187% | 4,384 |
| Credit loss provision to net charge-offs | -1,676.4706% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2677% | 3,521 |
| Assets per employee ($millions) | 8.5185% | 804 |
| Cash dividends to net income (ytd only)* | 25.4675% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,292 |
| Loan loss allowance to noncurrent loans | 160.9053% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 2,901 |
| Noncurrent loans to loans | 0.6564% | 2,220 |
| Net loans and leases to total assets | 52.4416% | 4,002 |
| Net loans and leases to deposits | 71.1989% | 3,333 |
| Net loans and leases to core deposits | 75.1947% | 3,357 |
| Total domestic deposits to total assets | 73.6551% | 4,613 |
| Equity capital to assets | 14.8199% | 660 |
| Core capital (leverage) ratio | 15.3489% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8606% | 408 |
| Memoranda: | ||
| Average total assets | $333,953,667 | 2,074 |
| Average earning assets | $314,787,667 | 2,050 |
| Average equity | $50,416,667 | 1,659 |
| Average total loans | $181,543,667 | 2,392 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 3,256 |
| Cost of funding earning assets | 1.0611% | 1,177 |
| Net interest margin | 3.1272% | 4,039 |
| Noninterest income to average assets | 0.3629% | 3,344 |
| Noninterest expense to average assets | 2.0889% | 4,237 |
| Loan and lease loss provision to assets | 0.0184% | 3,560 |
| Net operating income to assets | 1.0690% | 1,939 |
| Return on assets (ROA) | 1.0690% | 2,042 |
| Pretax return on assets | 1.2001% | 2,198 |
| Return on Equity (ROE) | 7.0118% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.0118% | 1,530 |
| Net charge-offs to loans | -0.0267% | 4,425 |
| Credit loss provision to net charge-offs | -125.0000% | 3,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 3,349 |
| Assets per employee ($millions) | 7.9520% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 3,977 |
| Loan loss allowance to noncurrent loans | 125.1863% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4116% | 2,812 |
| Noncurrent loans to loans | 0.7497% | 2,128 |
| Net loans and leases to total assets | 54.3919% | 3,953 |
| Net loans and leases to deposits | 75.0962% | 3,164 |
| Net loans and leases to core deposits | 79.3844% | 3,247 |
| Total domestic deposits to total assets | 72.4296% | 4,753 |
| Equity capital to assets | 15.3573% | 701 |
| Core capital (leverage) ratio | 16.0129% | 516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8206% | 399 |
| Memoranda: | ||
| Average total assets | $326,301,000 | 2,056 |
| Average earning assets | $307,239,500 | 2,040 |
| Average equity | $49,745,000 | 1,673 |
| Average total loans | $179,759,500 | 2,364 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2659% | 3,630 |
| Cost of funding earning assets | 1.0276% | 1,610 |
| Net interest margin | 3.2384% | 4,113 |
| Noninterest income to average assets | 0.3719% | 3,473 |
| Noninterest expense to average assets | 2.1955% | 4,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1682% | 2,183 |
| Return on assets (ROA) | 1.1727% | 2,261 |
| Pretax return on assets | 1.2228% | 2,758 |
| Return on Equity (ROE) | 7.8006% | 3,250 |
| Retained earnings to average equity (ytd only) | 5.9057% | 1,917 |
| Net charge-offs to loans | 0.1311% | 1,456 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 17.3705% | 2,113 |
| Efficiency ratio | 64.3158% | 3,034 |
| Assets per employee ($millions) | 7.9651% | 723 |
| Cash dividends to net income (ytd only)* | 24.2926% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 3,898 |
| Loan loss allowance to noncurrent loans | 106.5806% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4746% | 2,509 |
| Noncurrent loans to loans | 0.8587% | 1,794 |
| Net loans and leases to total assets | 54.7668% | 4,026 |
| Net loans and leases to deposits | 76.5515% | 3,129 |
| Net loans and leases to core deposits | 80.6558% | 3,242 |
| Total domestic deposits to total assets | 71.5425% | 4,880 |
| Equity capital to assets | 15.1331% | 763 |
| Core capital (leverage) ratio | 15.7866% | 548 |
| Tier 1 risk-based capital ratio | 24.1898% | 812 |
| Total risk-based capital ratio | 24.9775% | 837 |
| Memoranda: | ||
| Average total assets | $319,421,600 | 2,044 |
| Average earning assets | $300,028,000 | 2,025 |
| Average equity | $48,021,800 | 1,658 |
| Average total loans | $170,801,600 | 2,408 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 3,657 |
| Cost of funding earning assets | 1.0160% | 1,699 |
| Net interest margin | 3.2829% | 4,118 |
| Noninterest income to average assets | 0.3740% | 3,475 |
| Noninterest expense to average assets | 2.1487% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3054% | 1,835 |
| Return on assets (ROA) | 1.3113% | 1,883 |
| Pretax return on assets | 1.3113% | 2,624 |
| Return on Equity (ROE) | 8.7372% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.4870% | 1,631 |
| Net charge-offs to loans | 0.0721% | 1,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 34.1759% | 1,504 |
| Efficiency ratio | 62.2068% | 3,298 |
| Assets per employee ($millions) | 7.8396% | 730 |
| Cash dividends to net income (ytd only)* | 14.3087% | 3,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0264% | 3,417 |
| Loan loss allowance to noncurrent loans | 163.1627% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.3404% | 3,162 |
| Noncurrent loans to loans | 0.6290% | 2,399 |
| Net loans and leases to total assets | 53.5530% | 4,215 |
| Net loans and leases to deposits | 74.8025% | 3,405 |
| Net loans and leases to core deposits | 79.0578% | 3,465 |
| Total domestic deposits to total assets | 71.5925% | 4,938 |
| Equity capital to assets | 15.4398% | 742 |
| Core capital (leverage) ratio | 15.9441% | 566 |
| Tier 1 risk-based capital ratio | 25.1085% | 764 |
| Total risk-based capital ratio | 25.9947% | 768 |
| Memoranda: | ||
| Average total assets | $317,635,000 | 2,062 |
| Average earning assets | $298,020,750 | 2,048 |
| Average equity | $47,672,500 | 1,675 |
| Average total loans | $168,376,250 | 2,449 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 3,793 |
| Cost of funding earning assets | 1.0064% | 1,667 |
| Net interest margin | 3.2436% | 4,258 |
| Noninterest income to average assets | 0.3736% | 3,444 |
| Noninterest expense to average assets | 2.1747% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3554% | 1,554 |
| Return on assets (ROA) | 1.3642% | 1,590 |
| Pretax return on assets | 1.2517% | 2,743 |
| Return on Equity (ROE) | 9.1789% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.2776% | 1,694 |
| Net charge-offs to loans | 0.0396% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 59.5758% | 987 |
| Efficiency ratio | 63.6330% | 3,192 |
| Assets per employee ($millions) | 7.7367% | 734 |
| Cash dividends to net income (ytd only)* | 20.7136% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0856% | 3,141 |
| Loan loss allowance to noncurrent loans | 329.6959% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 3,881 |
| Noncurrent loans to loans | 0.3293% | 3,354 |
| Net loans and leases to total assets | 52.9380% | 4,290 |
| Net loans and leases to deposits | 72.7901% | 3,614 |
| Net loans and leases to core deposits | 76.9144% | 3,652 |
| Total domestic deposits to total assets | 72.7269% | 4,924 |
| Equity capital to assets | 15.3668% | 732 |
| Core capital (leverage) ratio | 15.7340% | 582 |
| Tier 1 risk-based capital ratio | 24.9407% | 762 |
| Total risk-based capital ratio | 25.8673% | 770 |
| Memoranda: | ||
| Average total assets | $316,372,670 | 2,075 |
| Average earning assets | $296,893,330 | 2,055 |
| Average equity | $47,021,000 | 1,684 |
| Average total loans | $166,529,670 | 2,476 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1902% | 3,904 |
| Cost of funding earning assets | 0.9912% | 1,602 |
| Net interest margin | 3.1990% | 4,387 |
| Noninterest income to average assets | 0.3811% | 3,319 |
| Noninterest expense to average assets | 2.1053% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6103% | 875 |
| Return on assets (ROA) | 1.6116% | 905 |
| Pretax return on assets | 1.2761% | 2,545 |
| Return on Equity (ROE) | 11.0313% | 1,934 |
| Retained earnings to average equity (ytd only) | 11.0313% | 795 |
| Net charge-offs to loans | 0.0291% | 1,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 83.9167% | 740 |
| Efficiency ratio | 62.2846% | 3,490 |
| Assets per employee ($millions) | 7.7146% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,919 |
| Loan loss allowance to noncurrent loans | 357.9655% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,992 |
| Noncurrent loans to loans | 0.3179% | 3,430 |
| Net loans and leases to total assets | 51.2171% | 4,390 |
| Net loans and leases to deposits | 70.7412% | 3,714 |
| Net loans and leases to core deposits | 74.6105% | 3,760 |
| Total domestic deposits to total assets | 72.4006% | 5,025 |
| Equity capital to assets | 15.0055% | 753 |
| Core capital (leverage) ratio | 15.8142% | 559 |
| Tier 1 risk-based capital ratio | 25.1332% | 755 |
| Total risk-based capital ratio | 26.0864% | 760 |
| Memoranda: | ||
| Average total assets | $315,957,500 | 2,090 |
| Average earning assets | $296,214,000 | 2,075 |
| Average equity | $46,159,500 | 1,697 |
| Average total loans | $164,912,500 | 2,513 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2133% | 3,403 |
| Cost of funding earning assets | 0.8804% | 1,172 |
| Net interest margin | 3.3329% | 4,171 |
| Noninterest income to average assets | 0.3688% | 3,627 |
| Noninterest expense to average assets | 2.1558% | 4,439 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2034% | 2,156 |
| Return on assets (ROA) | 1.2042% | 2,144 |
| Pretax return on assets | 1.3385% | 2,373 |
| Return on Equity (ROE) | 8.7102% | 3,141 |
| Retained earnings to average equity (ytd only) | 6.6482% | 1,841 |
| Net charge-offs to loans | 0.1159% | 1,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 22.1720% | 1,914 |
| Efficiency ratio | 61.7120% | 3,581 |
| Assets per employee ($millions) | 7.6980% | 739 |
| Cash dividends to net income (ytd only)* | 23.6736% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 2,922 |
| Loan loss allowance to noncurrent loans | 283.5347% | 1,717 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 3,780 |
| Noncurrent loans to loans | 0.3989% | 3,098 |
| Net loans and leases to total assets | 51.9885% | 4,412 |
| Net loans and leases to deposits | 72.0873% | 3,664 |
| Net loans and leases to core deposits | 76.1278% | 3,706 |
| Total domestic deposits to total assets | 72.1188% | 5,065 |
| Equity capital to assets | 14.2124% | 911 |
| Core capital (leverage) ratio | 15.5245% | 591 |
| Tier 1 risk-based capital ratio | 24.1219% | 817 |
| Total risk-based capital ratio | 25.0672% | 824 |
| Memoranda: | ||
| Average total assets | $308,328,800 | 2,100 |
| Average earning assets | $289,058,800 | 2,078 |
| Average equity | $42,628,400 | 1,751 |
| Average total loans | $160,455,600 | 2,523 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1912% | 3,350 |
| Cost of funding earning assets | 0.8504% | 1,117 |
| Net interest margin | 3.3408% | 4,185 |
| Noninterest income to average assets | 0.3724% | 3,649 |
| Noninterest expense to average assets | 2.1498% | 4,425 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2159% | 2,174 |
| Return on assets (ROA) | 1.2167% | 2,172 |
| Pretax return on assets | 1.3576% | 2,391 |
| Return on Equity (ROE) | 8.8641% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.4950% | 1,888 |
| Net charge-offs to loans | 0.1928% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 13.5608% | 2,348 |
| Efficiency ratio | 61.3075% | 3,617 |
| Assets per employee ($millions) | 7.7039% | 715 |
| Cash dividends to net income (ytd only)* | 15.4452% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,101 |
| Loan loss allowance to noncurrent loans | 253.3149% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,780 |
| Noncurrent loans to loans | 0.4404% | 3,078 |
| Net loans and leases to total assets | 52.7507% | 4,442 |
| Net loans and leases to deposits | 72.7936% | 3,698 |
| Net loans and leases to core deposits | 76.8679% | 3,750 |
| Total domestic deposits to total assets | 72.4661% | 5,096 |
| Equity capital to assets | 13.9099% | 987 |
| Core capital (leverage) ratio | 15.5174% | 595 |
| Tier 1 risk-based capital ratio | 24.0468% | 840 |
| Total risk-based capital ratio | 24.9767% | 853 |
| Memoranda: | ||
| Average total assets | $306,506,500 | 2,122 |
| Average earning assets | $287,548,250 | 2,102 |
| Average equity | $42,071,250 | 1,781 |
| Average total loans | $159,079,000 | 2,547 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1308% | 3,344 |
| Cost of funding earning assets | 0.8146% | 1,066 |
| Net interest margin | 3.3162% | 4,203 |
| Noninterest income to average assets | 0.3634% | 3,722 |
| Noninterest expense to average assets | 2.1075% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2317% | 2,054 |
| Return on assets (ROA) | 1.2329% | 2,044 |
| Pretax return on assets | 1.3682% | 2,258 |
| Return on Equity (ROE) | 9.0224% | 3,009 |
| Retained earnings to average equity (ytd only) | 6.9558% | 2,094 |
| Net charge-offs to loans | 0.0203% | 2,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 130.6875% | 583 |
| Efficiency ratio | 60.6585% | 3,824 |
| Assets per employee ($millions) | 7.7198% | 702 |
| Cash dividends to net income (ytd only)* | 22.9056% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 2,354 |
| Loan loss allowance to noncurrent loans | 531.9481% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,376 |
| Noncurrent loans to loans | 0.2377% | 3,858 |
| Net loans and leases to total assets | 51.7941% | 4,489 |
| Net loans and leases to deposits | 71.4018% | 3,757 |
| Net loans and leases to core deposits | 75.2692% | 3,794 |
| Total domestic deposits to total assets | 72.5389% | 5,142 |
| Equity capital to assets | 13.6497% | 1,053 |
| Core capital (leverage) ratio | 15.3867% | 595 |
| Tier 1 risk-based capital ratio | 24.2167% | 815 |
| Total risk-based capital ratio | 25.2830% | 801 |
| Memoranda: | ||
| Average total assets | $305,957,000 | 2,136 |
| Average earning assets | $287,015,330 | 2,117 |
| Average equity | $41,807,000 | 1,798 |
| Average total loans | $157,309,330 | 2,579 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 3,371 |
| Cost of funding earning assets | 0.7939% | 974 |
| Net interest margin | 3.2667% | 4,274 |
| Noninterest income to average assets | 0.3651% | 3,701 |
| Noninterest expense to average assets | 2.1304% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1506% | 2,216 |
| Return on assets (ROA) | 1.1506% | 2,226 |
| Pretax return on assets | 1.2990% | 2,369 |
| Return on Equity (ROE) | 8.4158% | 3,183 |
| Retained earnings to average equity (ytd only) | 8.4158% | 1,684 |
| Net charge-offs to loans | 0.0387% | 1,754 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 65.9333% | 796 |
| Efficiency ratio | 62.1218% | 3,759 |
| Assets per employee ($millions) | 7.3986% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 2,065 |
| Loan loss allowance to noncurrent loans | 626.2997% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 4,336 |
| Noncurrent loans to loans | 0.2136% | 4,017 |
| Net loans and leases to total assets | 49.7849% | 4,574 |
| Net loans and leases to deposits | 67.4585% | 3,987 |
| Net loans and leases to core deposits | 70.8868% | 4,033 |
| Total domestic deposits to total assets | 73.8008% | 5,174 |
| Equity capital to assets | 13.7195% | 974 |
| Core capital (leverage) ratio | 15.0736% | 648 |
| Tier 1 risk-based capital ratio | 24.1926% | 825 |
| Total risk-based capital ratio | 25.2871% | 813 |
| Memoranda: | ||
| Average total assets | $304,540,500 | 2,166 |
| Average earning assets | $285,672,000 | 2,149 |
| Average equity | $41,636,000 | 1,811 |
| Average total loans | $154,972,500 | 2,629 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,107 |
| Cost of funding earning assets | 0.7989% | 627 |
| Net interest margin | 3.2855% | 4,201 |
| Noninterest income to average assets | 0.3763% | 3,780 |
| Noninterest expense to average assets | 2.0356% | 4,901 |
| Loan and lease loss provision to assets | 0.0792% | 2,610 |
| Net operating income to assets | 0.6231% | 3,922 |
| Return on assets (ROA) | 0.6242% | 3,953 |
| Pretax return on assets | 1.3391% | 2,218 |
| Return on Equity (ROE) | 4.5136% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.4967% | 3,833 |
| Net charge-offs to loans | 0.1105% | 1,963 |
| Credit loss provision to net charge-offs | 144.5783% | 1,836 |
| Earnings coverage of net charge-offs (x) | 25.8554% | 1,697 |
| Efficiency ratio | 58.9636% | 4,419 |
| Assets per employee ($millions) | 7.4571% | 783 |
| Cash dividends to net income (ytd only)* | 44.6854% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,148 |
| Loan loss allowance to noncurrent loans | 395.2107% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 4,077 |
| Noncurrent loans to loans | 0.3327% | 3,576 |
| Net loans and leases to total assets | 50.6365% | 4,615 |
| Net loans and leases to deposits | 69.9569% | 3,879 |
| Net loans and leases to core deposits | 73.2860% | 3,939 |
| Total domestic deposits to total assets | 72.3824% | 5,301 |
| Equity capital to assets | 13.6243% | 1,014 |
| Core capital (leverage) ratio | 14.6552% | 696 |
| Tier 1 risk-based capital ratio | 22.9927% | 911 |
| Total risk-based capital ratio | 24.0613% | 917 |
| Memoranda: | ||
| Average total assets | $302,957,800 | 2,150 |
| Average earning assets | $283,642,800 | 2,135 |
| Average equity | $41,895,800 | 1,779 |
| Average total loans | $150,195,000 | 2,651 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 3,091 |
| Cost of funding earning assets | 0.8001% | 578 |
| Net interest margin | 3.2698% | 4,262 |
| Noninterest income to average assets | 0.3785% | 3,821 |
| Noninterest expense to average assets | 2.0137% | 4,924 |
| Loan and lease loss provision to assets | 0.0794% | 2,494 |
| Net operating income to assets | 1.1401% | 1,916 |
| Return on assets (ROA) | 1.1416% | 1,960 |
| Pretax return on assets | 1.3463% | 2,305 |
| Return on Equity (ROE) | 8.2243% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.9214% | 1,731 |
| Net charge-offs to loans | 0.1311% | 1,474 |
| Credit loss provision to net charge-offs | 123.2877% | 1,973 |
| Earnings coverage of net charge-offs (x) | 22.1098% | 1,883 |
| Efficiency ratio | 58.5782% | 4,421 |
| Assets per employee ($millions) | 7.3676% | 805 |
| Cash dividends to net income (ytd only)* | 15.8423% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 2,236 |
| Loan loss allowance to noncurrent loans | 436.9330% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,325 |
| Noncurrent loans to loans | 0.3034% | 3,852 |
| Net loans and leases to total assets | 49.8500% | 4,708 |
| Net loans and leases to deposits | 68.8830% | 4,047 |
| Net loans and leases to core deposits | 72.2800% | 4,109 |
| Total domestic deposits to total assets | 72.3692% | 5,354 |
| Equity capital to assets | 14.3797% | 890 |
| Core capital (leverage) ratio | 15.1631% | 630 |
| Tier 1 risk-based capital ratio | 23.8568% | 863 |
| Total risk-based capital ratio | 24.9171% | 866 |
| Memoranda: | ||
| Average total assets | $302,262,250 | 2,171 |
| Average earning assets | $282,780,500 | 2,157 |
| Average equity | $41,956,000 | 1,790 |
| Average total loans | $148,524,000 | 2,683 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 3,192 |
| Cost of funding earning assets | 0.8005% | 521 |
| Net interest margin | 3.2035% | 4,409 |
| Noninterest income to average assets | 0.3810% | 3,822 |
| Noninterest expense to average assets | 1.9780% | 5,022 |
| Loan and lease loss provision to assets | 0.0794% | 2,396 |
| Net operating income to assets | 1.1276% | 1,864 |
| Return on assets (ROA) | 1.1292% | 1,909 |
| Pretax return on assets | 1.3224% | 2,301 |
| Return on Equity (ROE) | 8.2340% | 2,896 |
| Retained earnings to average equity (ytd only) | 6.2563% | 1,988 |
| Net charge-offs to loans | -0.0027% | 4,214 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5586% | 4,524 |
| Assets per employee ($millions) | 7.3952% | 780 |
| Cash dividends to net income (ytd only)* | 24.0187% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 1,935 |
| Loan loss allowance to noncurrent loans | 149.8580% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,255 |
| Noncurrent loans to loans | 0.9371% | 2,096 |
| Net loans and leases to total assets | 48.8584% | 4,775 |
| Net loans and leases to deposits | 66.9771% | 4,143 |
| Net loans and leases to core deposits | 69.9880% | 4,232 |
| Total domestic deposits to total assets | 72.9478% | 5,390 |
| Equity capital to assets | 14.0803% | 933 |
| Core capital (leverage) ratio | 14.9851% | 631 |
| Tier 1 risk-based capital ratio | 23.6752% | 886 |
| Total risk-based capital ratio | 24.7942% | 882 |
| Memoranda: | ||
| Average total assets | $302,325,670 | 2,178 |
| Average earning assets | $282,816,330 | 2,157 |
| Average equity | $41,462,330 | 1,809 |
| Average total loans | $147,163,330 | 2,704 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,241 |
| Cost of funding earning assets | 0.8020% | 482 |
| Net interest margin | 3.1386% | 4,533 |
| Noninterest income to average assets | 0.3710% | 3,882 |
| Noninterest expense to average assets | 2.0458% | 4,947 |
| Loan and lease loss provision to assets | 0.0795% | 2,219 |
| Net operating income to assets | 1.0178% | 2,234 |
| Return on assets (ROA) | 1.0189% | 2,279 |
| Pretax return on assets | 1.1819% | 2,674 |
| Return on Equity (ROE) | 7.5304% | 3,154 |
| Retained earnings to average equity (ytd only) | 7.5304% | 1,641 |
| Net charge-offs to loans | 0.0192% | 2,406 |
| Credit loss provision to net charge-offs | 857.1429% | 366 |
| Earnings coverage of net charge-offs (x) | 135.8571% | 402 |
| Efficiency ratio | 61.8838% | 4,166 |
| Assets per employee ($millions) | 7.3595% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3859% | 2,132 |
| Loan loss allowance to noncurrent loans | 139.9589% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.4835% | 3,290 |
| Noncurrent loans to loans | 0.9902% | 2,067 |
| Net loans and leases to total assets | 48.1537% | 4,811 |
| Net loans and leases to deposits | 66.3049% | 4,147 |
| Net loans and leases to core deposits | 69.2208% | 4,208 |
| Total domestic deposits to total assets | 72.6246% | 5,512 |
| Equity capital to assets | 13.7440% | 990 |
| Core capital (leverage) ratio | 14.9539% | 616 |
| Tier 1 risk-based capital ratio | 23.6481% | 901 |
| Total risk-based capital ratio | 24.7428% | 907 |
| Memoranda: | ||
| Average total assets | $301,887,000 | 2,197 |
| Average earning assets | $282,292,500 | 2,182 |
| Average equity | $40,847,500 | 1,827 |
| Average total loans | $145,620,000 | 2,749 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 2,922 |
| Cost of funding earning assets | 0.8427% | 402 |
| Net interest margin | 3.2399% | 4,330 |
| Noninterest income to average assets | 0.3649% | 4,136 |
| Noninterest expense to average assets | 2.0091% | 5,167 |
| Loan and lease loss provision to assets | 0.0902% | 2,559 |
| Net operating income to assets | 1.1114% | 1,854 |
| Return on assets (ROA) | 1.1123% | 1,945 |
| Pretax return on assets | 1.2994% | 2,288 |
| Return on Equity (ROE) | 8.2760% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.2076% | 1,607 |
| Net charge-offs to loans | 0.2718% | 1,017 |
| Credit loss provision to net charge-offs | 70.6806% | 3,128 |
| Earnings coverage of net charge-offs (x) | 10.8796% | 2,593 |
| Efficiency ratio | 59.1307% | 4,712 |
| Assets per employee ($millions) | 7.5509% | 714 |
| Cash dividends to net income (ytd only)* | 24.9925% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3829% | 2,154 |
| Loan loss allowance to noncurrent loans | 226.9099% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 4,114 |
| Noncurrent loans to loans | 0.6095% | 3,022 |
| Net loans and leases to total assets | 46.9845% | 4,956 |
| Net loans and leases to deposits | 64.7131% | 4,348 |
| Net loans and leases to core deposits | 67.5479% | 4,428 |
| Total domestic deposits to total assets | 72.6043% | 5,522 |
| Equity capital to assets | 13.3176% | 1,126 |
| Core capital (leverage) ratio | 14.5855% | 678 |
| Tier 1 risk-based capital ratio | 23.5937% | 906 |
| Total risk-based capital ratio | 24.6769% | 913 |
| Memoranda: | ||
| Average total assets | $299,292,400 | 2,168 |
| Average earning assets | $280,159,600 | 2,153 |
| Average equity | $40,224,600 | 1,842 |
| Average total loans | $140,538,000 | 2,776 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 2,764 |
| Cost of funding earning assets | 0.8503% | 381 |
| Net interest margin | 3.2788% | 4,261 |
| Noninterest income to average assets | 0.3693% | 4,134 |
| Noninterest expense to average assets | 1.9838% | 5,237 |
| Loan and lease loss provision to assets | 0.0893% | 2,439 |
| Net operating income to assets | 1.1356% | 1,862 |
| Return on assets (ROA) | 1.1364% | 1,965 |
| Pretax return on assets | 1.3668% | 2,170 |
| Return on Equity (ROE) | 8.4357% | 2,790 |
| Retained earnings to average equity (ytd only) | 7.0237% | 1,621 |
| Net charge-offs to loans | 0.2482% | 945 |
| Credit loss provision to net charge-offs | 76.9231% | 2,705 |
| Earnings coverage of net charge-offs (x) | 12.5345% | 2,379 |
| Efficiency ratio | 57.6863% | 4,857 |
| Assets per employee ($millions) | 7.4867% | 722 |
| Cash dividends to net income (ytd only)* | 16.7388% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 2,009 |
| Loan loss allowance to noncurrent loans | 357.6182% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 4,671 |
| Noncurrent loans to loans | 0.4035% | 3,829 |
| Net loans and leases to total assets | 46.5768% | 5,054 |
| Net loans and leases to deposits | 63.0929% | 4,552 |
| Net loans and leases to core deposits | 66.0370% | 4,602 |
| Total domestic deposits to total assets | 73.8225% | 5,454 |
| Equity capital to assets | 13.7958% | 1,121 |
| Core capital (leverage) ratio | 14.5007% | 724 |
| Tier 1 risk-based capital ratio | 23.3319% | 964 |
| Total risk-based capital ratio | 24.4408% | 966 |
| Memoranda: | ||
| Average total assets | $298,606,500 | 2,181 |
| Average earning assets | $279,565,750 | 2,163 |
| Average equity | $40,224,750 | 1,851 |
| Average total loans | $139,697,500 | 2,790 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,558 |
| Cost of funding earning assets | 0.8588% | 360 |
| Net interest margin | 3.3271% | 4,132 |
| Noninterest income to average assets | 0.3714% | 4,092 |
| Noninterest expense to average assets | 1.9724% | 5,330 |
| Loan and lease loss provision to assets | 0.0805% | 2,529 |
| Net operating income to assets | 1.1934% | 1,630 |
| Return on assets (ROA) | 1.1934% | 1,721 |
| Pretax return on assets | 1.4327% | 1,894 |
| Return on Equity (ROE) | 8.9309% | 2,525 |
| Retained earnings to average equity (ytd only) | 6.7935% | 1,718 |
| Net charge-offs to loans | 0.1337% | 1,529 |
| Credit loss provision to net charge-offs | 129.0323% | 1,777 |
| Earnings coverage of net charge-offs (x) | 24.2688% | 1,554 |
| Efficiency ratio | 56.5878% | 5,068 |
| Assets per employee ($millions) | 7.4486% | 718 |
| Cash dividends to net income (ytd only)* | 23.9326% | 3,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,826 |
| Loan loss allowance to noncurrent loans | 419.7239% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1702% | 4,823 |
| Noncurrent loans to loans | 0.3595% | 4,081 |
| Net loans and leases to total assets | 46.6200% | 5,088 |
| Net loans and leases to deposits | 63.2662% | 4,545 |
| Net loans and leases to core deposits | 66.0757% | 4,608 |
| Total domestic deposits to total assets | 73.6886% | 5,551 |
| Equity capital to assets | 13.6281% | 1,170 |
| Core capital (leverage) ratio | 13.0402% | 1,131 |
| Tier 1 risk-based capital ratio | 22.7703% | 1,043 |
| Total risk-based capital ratio | 24.0187% | 1,023 |
| Memoranda: | ||
| Average total assets | $298,319,670 | 2,197 |
| Average earning assets | $279,224,670 | 2,176 |
| Average equity | $39,861,670 | 1,862 |
| Average total loans | $139,088,670 | 2,806 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 2,768 |
| Cost of funding earning assets | 0.8707% | 339 |
| Net interest margin | 3.2508% | 4,394 |
| Noninterest income to average assets | 0.3846% | 3,950 |
| Noninterest expense to average assets | 2.0448% | 5,234 |
| Loan and lease loss provision to assets | 0.0804% | 2,348 |
| Net operating income to assets | 1.1177% | 1,840 |
| Return on assets (ROA) | 1.1189% | 1,938 |
| Pretax return on assets | 1.3025% | 2,291 |
| Return on Equity (ROE) | 8.4577% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.2045% | 1,376 |
| Net charge-offs to loans | -0.0087% | 4,466 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6793% | 4,790 |
| Assets per employee ($millions) | 7.5145% | 698 |
| Cash dividends to net income (ytd only)* | 2.9940% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 1,661 |
| Loan loss allowance to noncurrent loans | 418.5687% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 4,880 |
| Noncurrent loans to loans | 0.3782% | 4,083 |
| Net loans and leases to total assets | 44.7554% | 5,207 |
| Net loans and leases to deposits | 60.7101% | 4,663 |
| Net loans and leases to core deposits | 63.3879% | 4,731 |
| Total domestic deposits to total assets | 73.7200% | 5,636 |
| Equity capital to assets | 13.3167% | 1,259 |
| Core capital (leverage) ratio | 14.1178% | 785 |
| Tier 1 risk-based capital ratio | 24.6089% | 855 |
| Total risk-based capital ratio | 25.8590% | 833 |
| Memoranda: | ||
| Average total assets | $298,508,000 | 2,198 |
| Average earning assets | $279,316,000 | 2,187 |
| Average equity | $39,490,500 | 1,869 |
| Average total loans | $138,118,500 | 2,821 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 2,890 |
| Cost of funding earning assets | 0.9699% | 200 |
| Net interest margin | 3.1362% | 4,819 |
| Noninterest income to average assets | 0.3637% | 4,304 |
| Noninterest expense to average assets | 2.1335% | 5,187 |
| Loan and lease loss provision to assets | 0.0752% | 2,767 |
| Net operating income to assets | 1.0336% | 2,196 |
| Return on assets (ROA) | 1.0339% | 2,284 |
| Pretax return on assets | 1.0907% | 3,106 |
| Return on Equity (ROE) | 7.8560% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.0769% | 1,249 |
| Net charge-offs to loans | 0.1167% | 2,205 |
| Credit loss provision to net charge-offs | 140.1274% | 1,876 |
| Earnings coverage of net charge-offs (x) | 21.7197% | 1,801 |
| Efficiency ratio | 64.6705% | 4,140 |
| Assets per employee ($millions) | 7.4110% | 740 |
| Cash dividends to net income (ytd only)* | 9.9174% | 4,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,974 |
| Loan loss allowance to noncurrent loans | 429.8569% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 4,945 |
| Noncurrent loans to loans | 0.3504% | 4,212 |
| Net loans and leases to total assets | 46.3659% | 5,131 |
| Net loans and leases to deposits | 62.7049% | 4,580 |
| Net loans and leases to core deposits | 65.3898% | 4,639 |
| Total domestic deposits to total assets | 73.9429% | 5,655 |
| Equity capital to assets | 13.1407% | 1,285 |
| Core capital (leverage) ratio | 13.9885% | 822 |
| Tier 1 risk-based capital ratio | 23.2655% | 983 |
| Total risk-based capital ratio | 24.4627% | 977 |
| Memoranda: | ||
| Average total assets | $292,570,400 | 2,193 |
| Average earning assets | $273,830,600 | 2,176 |
| Average equity | $38,505,600 | 1,865 |
| Average total loans | $134,525,800 | 2,812 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 2,921 |
| Cost of funding earning assets | 0.9909% | 191 |
| Net interest margin | 3.1119% | 4,932 |
| Noninterest income to average assets | 0.3640% | 4,326 |
| Noninterest expense to average assets | 2.0237% | 5,433 |
| Loan and lease loss provision to assets | 0.0823% | 2,525 |
| Net operating income to assets | 0.9959% | 2,490 |
| Return on assets (ROA) | 0.9963% | 2,578 |
| Pretax return on assets | 1.1719% | 2,922 |
| Return on Equity (ROE) | 7.5671% | 3,304 |
| Retained earnings to average equity (ytd only) | 7.5671% | 1,422 |
| Net charge-offs to loans | -0.0070% | 4,897 |
| Credit loss provision to net charge-offs | -2,571.4286% | 5,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7467% | 4,609 |
| Assets per employee ($millions) | 7.5093% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6453% | 1,624 |
| Loan loss allowance to noncurrent loans | 264.8810% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 4,552 |
| Noncurrent loans to loans | 0.6211% | 3,457 |
| Net loans and leases to total assets | 45.4180% | 5,266 |
| Net loans and leases to deposits | 61.5591% | 4,752 |
| Net loans and leases to core deposits | 64.9888% | 4,762 |
| Total domestic deposits to total assets | 73.7795% | 5,730 |
| Equity capital to assets | 13.5753% | 1,195 |
| Core capital (leverage) ratio | 13.6319% | 969 |
| Tier 1 risk-based capital ratio | 23.4897% | 999 |
| Total risk-based capital ratio | 24.7403% | 989 |
| Memoranda: | ||
| Average total assets | $291,603,500 | 2,212 |
| Average earning assets | $273,005,750 | 2,203 |
| Average equity | $38,393,500 | 1,886 |
| Average total loans | $133,270,250 | 2,848 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 2,943 |
| Cost of funding earning assets | 1.0089% | 172 |
| Net interest margin | 3.0782% | 5,024 |
| Noninterest income to average assets | 0.3572% | 4,401 |
| Noninterest expense to average assets | 1.9658% | 5,597 |
| Loan and lease loss provision to assets | 0.0824% | 2,465 |
| Net operating income to assets | 1.0200% | 2,295 |
| Return on assets (ROA) | 1.0200% | 2,402 |
| Pretax return on assets | 1.1903% | 2,814 |
| Return on Equity (ROE) | 7.8284% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.8284% | 1,332 |
| Net charge-offs to loans | -0.0121% | 4,986 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6999% | 4,881 |
| Assets per employee ($millions) | 7.5461% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 1,817 |
| Loan loss allowance to noncurrent loans | 409.6408% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 4,918 |
| Noncurrent loans to loans | 0.3975% | 4,290 |
| Net loans and leases to total assets | 44.4855% | 5,354 |
| Net loans and leases to deposits | 59.9657% | 4,857 |
| Net loans and leases to core deposits | 63.1099% | 4,866 |
| Total domestic deposits to total assets | 74.1848% | 5,768 |
| Equity capital to assets | 13.0746% | 1,363 |
| Core capital (leverage) ratio | 12.9134% | 1,204 |
| Tier 1 risk-based capital ratio | 22.2478% | 1,165 |
| Total risk-based capital ratio | 23.4979% | 1,147 |
| Memoranda: | ||
| Average total assets | $291,184,000 | 2,227 |
| Average earning assets | $272,561,000 | 2,217 |
| Average equity | $37,939,000 | 1,913 |
| Average total loans | $132,614,670 | 2,861 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 2,941 |
| Cost of funding earning assets | 1.0342% | 145 |
| Net interest margin | 3.0392% | 5,107 |
| Noninterest income to average assets | 0.3660% | 4,284 |
| Noninterest expense to average assets | 2.0164% | 5,550 |
| Loan and lease loss provision to assets | 0.0829% | 2,317 |
| Net operating income to assets | 0.9557% | 2,474 |
| Return on assets (ROA) | 0.9557% | 2,610 |
| Pretax return on assets | 1.1118% | 3,029 |
| Return on Equity (ROE) | 7.3481% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.3481% | 1,834 |
| Net charge-offs to loans | -0.0242% | 5,133 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7957% | 4,655 |
| Assets per employee ($millions) | 7.4593% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 2,045 |
| Loan loss allowance to noncurrent loans | 794.7170% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 5,344 |
| Noncurrent loans to loans | 0.2015% | 5,052 |
| Net loans and leases to total assets | 44.4832% | 5,313 |
| Net loans and leases to deposits | 60.2910% | 4,723 |
| Net loans and leases to core deposits | 63.2153% | 4,767 |
| Total domestic deposits to total assets | 73.7809% | 5,919 |
| Equity capital to assets | 13.1602% | 1,321 |
| Core capital (leverage) ratio | 13.3742% | 1,023 |
| Tier 1 risk-based capital ratio | 22.1035% | 1,223 |
| Total risk-based capital ratio | 23.3194% | 1,212 |
| Memoranda: | ||
| Average total assets | $289,628,000 | 2,251 |
| Average earning assets | $271,120,000 | 2,244 |
| Average equity | $37,669,500 | 1,935 |
| Average total loans | $132,379,000 | 2,876 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,473 |
| Cost of funding earning assets | 1.1408% | 109 |
| Net interest margin | 3.1953% | 4,935 |
| Noninterest income to average assets | 0.3864% | 4,288 |
| Noninterest expense to average assets | 2.0662% | 5,648 |
| Loan and lease loss provision to assets | 0.0848% | 2,781 |
| Net operating income to assets | 1.0835% | 2,045 |
| Return on assets (ROA) | 1.0886% | 2,071 |
| Pretax return on assets | 1.2277% | 2,537 |
| Return on Equity (ROE) | 8.7682% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.6629% | 1,564 |
| Net charge-offs to loans | 0.0208% | 4,427 |
| Credit loss provision to net charge-offs | 857.1429% | 319 |
| Earnings coverage of net charge-offs (x) | 132.1429% | 407 |
| Efficiency ratio | 61.2565% | 5,027 |
| Assets per employee ($millions) | 7.3934% | 692 |
| Cash dividends to net income (ytd only)* | 24.0104% | 3,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5295% | 2,344 |
| Loan loss allowance to noncurrent loans | 530.7292% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.1949% | 5,250 |
| Noncurrent loans to loans | 0.2882% | 4,817 |
| Net loans and leases to total assets | 45.5036% | 5,367 |
| Net loans and leases to deposits | 62.3985% | 4,693 |
| Net loans and leases to core deposits | 65.4619% | 4,710 |
| Total domestic deposits to total assets | 72.9242% | 6,022 |
| Equity capital to assets | 12.8507% | 1,440 |
| Core capital (leverage) ratio | 13.4781% | 974 |
| Tier 1 risk-based capital ratio | 23.1793% | 1,059 |
| Total risk-based capital ratio | 24.4185% | 1,038 |
| Memoranda: | ||
| Average total assets | $283,125,400 | 2,252 |
| Average earning assets | $264,636,400 | 2,237 |
| Average equity | $35,149,800 | 1,989 |
| Average total loans | $134,439,200 | 2,782 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 2,373 |
| Cost of funding earning assets | 1.1582% | 104 |
| Net interest margin | 3.2053% | 4,949 |
| Noninterest income to average assets | 0.3865% | 4,343 |
| Noninterest expense to average assets | 2.0627% | 5,652 |
| Loan and lease loss provision to assets | 0.0994% | 2,385 |
| Net operating income to assets | 1.0438% | 2,262 |
| Return on assets (ROA) | 1.0503% | 2,296 |
| Pretax return on assets | 1.2277% | 2,663 |
| Return on Equity (ROE) | 8.5365% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.1138% | 1,760 |
| Net charge-offs to loans | -0.0247% | 5,675 |
| Credit loss provision to net charge-offs | -840.0000% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9876% | 5,042 |
| Assets per employee ($millions) | 6.9222% | 832 |
| Cash dividends to net income (ytd only)* | 16.6666% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 2,536 |
| Loan loss allowance to noncurrent loans | 277.3890% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3287% | 4,956 |
| Noncurrent loans to loans | 0.5559% | 4,254 |
| Net loans and leases to total assets | 46.3655% | 5,341 |
| Net loans and leases to deposits | 62.8946% | 4,657 |
| Net loans and leases to core deposits | 66.0768% | 4,700 |
| Total domestic deposits to total assets | 73.7194% | 6,038 |
| Equity capital to assets | 12.7328% | 1,567 |
| Core capital (leverage) ratio | 13.5031% | 996 |
| Tier 1 risk-based capital ratio | 22.7348% | 1,155 |
| Total risk-based capital ratio | 23.9800% | 1,135 |
| Memoranda: | ||
| Average total assets | $281,821,250 | 2,274 |
| Average earning assets | $263,390,500 | 2,261 |
| Average equity | $34,673,750 | 2,021 |
| Average total loans | $134,738,000 | 2,795 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 2,288 |
| Cost of funding earning assets | 1.1824% | 98 |
| Net interest margin | 3.1885% | 4,981 |
| Noninterest income to average assets | 0.3855% | 4,356 |
| Noninterest expense to average assets | 2.0188% | 5,806 |
| Loan and lease loss provision to assets | 0.1280% | 1,926 |
| Net operating income to assets | 1.0478% | 2,128 |
| Return on assets (ROA) | 1.0478% | 2,198 |
| Pretax return on assets | 1.2178% | 2,583 |
| Return on Equity (ROE) | 8.6176% | 2,775 |
| Retained earnings to average equity (ytd only) | 6.4529% | 2,062 |
| Net charge-offs to loans | -0.0266% | 5,643 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 5,297 |
| Assets per employee ($millions) | 6.9065% | 837 |
| Cash dividends to net income (ytd only)* | 25.1188% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 2,851 |
| Loan loss allowance to noncurrent loans | 318.8976% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 5,169 |
| Noncurrent loans to loans | 0.4735% | 4,581 |
| Net loans and leases to total assets | 46.6423% | 5,300 |
| Net loans and leases to deposits | 62.7712% | 4,615 |
| Net loans and leases to core deposits | 65.9116% | 4,650 |
| Total domestic deposits to total assets | 74.3052% | 6,083 |
| Equity capital to assets | 12.4690% | 1,666 |
| Core capital (leverage) ratio | 13.2895% | 1,052 |
| Tier 1 risk-based capital ratio | 22.3215% | 1,215 |
| Total risk-based capital ratio | 23.5470% | 1,199 |
| Memoranda: | ||
| Average total assets | $281,158,330 | 2,281 |
| Average earning assets | $262,694,330 | 2,266 |
| Average equity | $34,186,000 | 2,032 |
| Average total loans | $135,100,330 | 2,795 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,143 |
| Cost of funding earning assets | 1.2034% | 93 |
| Net interest margin | 3.1948% | 4,937 |
| Noninterest income to average assets | 0.3926% | 4,252 |
| Noninterest expense to average assets | 2.0432% | 5,796 |
| Loan and lease loss provision to assets | 0.1285% | 1,889 |
| Net operating income to assets | 1.0294% | 2,084 |
| Return on assets (ROA) | 1.0294% | 2,160 |
| Pretax return on assets | 1.2079% | 2,460 |
| Return on Equity (ROE) | 8.5770% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.5770% | 1,391 |
| Net charge-offs to loans | -0.0413% | 5,719 |
| Credit loss provision to net charge-offs | -642.8571% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4563% | 5,342 |
| Assets per employee ($millions) | 6.8420% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 3,392 |
| Loan loss allowance to noncurrent loans | 369.7318% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 5,298 |
| Noncurrent loans to loans | 0.3908% | 4,959 |
| Net loans and leases to total assets | 46.9327% | 5,239 |
| Net loans and leases to deposits | 62.6449% | 4,472 |
| Net loans and leases to core deposits | 65.6794% | 4,524 |
| Total domestic deposits to total assets | 74.9186% | 6,161 |
| Equity capital to assets | 12.2272% | 1,732 |
| Core capital (leverage) ratio | 13.2475% | 1,070 |
| Tier 1 risk-based capital ratio | 22.1591% | 1,268 |
| Total risk-based capital ratio | 23.3308% | 1,259 |
| Memoranda: | ||
| Average total assets | $280,154,500 | 2,301 |
| Average earning assets | $261,922,500 | 2,271 |
| Average equity | $33,625,000 | 2,050 |
| Average total loans | $135,600,500 | 2,803 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 2,128 |
| Cost of funding earning assets | 1.3175% | 102 |
| Net interest margin | 3.2031% | 4,991 |
| Noninterest income to average assets | 0.3999% | 4,441 |
| Noninterest expense to average assets | 2.0075% | 6,014 |
| Loan and lease loss provision to assets | 0.1813% | 2,034 |
| Net operating income to assets | 1.0569% | 2,086 |
| Return on assets (ROA) | 1.0786% | 2,083 |
| Pretax return on assets | 1.2454% | 2,386 |
| Return on Equity (ROE) | 8.9201% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.2186% | 1,835 |
| Net charge-offs to loans | 0.2267% | 2,646 |
| Credit loss provision to net charge-offs | 162.3377% | 1,407 |
| Earnings coverage of net charge-offs (x) | 12.5519% | 2,113 |
| Efficiency ratio | 58.8855% | 5,623 |
| Assets per employee ($millions) | 6.8240% | 833 |
| Cash dividends to net income (ytd only)* | 30.2857% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 3,998 |
| Loan loss allowance to noncurrent loans | 174.7368% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 4,895 |
| Noncurrent loans to loans | 0.7594% | 4,070 |
| Net loans and leases to total assets | 48.5328% | 5,238 |
| Net loans and leases to deposits | 65.4145% | 4,364 |
| Net loans and leases to core deposits | 68.8667% | 4,409 |
| Total domestic deposits to total assets | 74.1928% | 6,265 |
| Equity capital to assets | 11.7769% | 1,963 |
| Core capital (leverage) ratio | 13.1035% | 1,107 |
| Tier 1 risk-based capital ratio | 21.4541% | 1,349 |
| Total risk-based capital ratio | 22.5490% | 1,347 |
| Memoranda: | ||
| Average total assets | $275,814,600 | 2,307 |
| Average earning assets | $259,122,200 | 2,255 |
| Average equity | $33,351,600 | 2,066 |
| Average total loans | $135,884,600 | 2,761 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 2,048 |
| Cost of funding earning assets | 1.3408% | 102 |
| Net interest margin | 3.2065% | 4,977 |
| Noninterest income to average assets | 0.4007% | 4,534 |
| Noninterest expense to average assets | 2.0032% | 6,005 |
| Loan and lease loss provision to assets | 0.2183% | 1,667 |
| Net operating income to assets | 0.9999% | 2,378 |
| Return on assets (ROA) | 1.0280% | 2,349 |
| Pretax return on assets | 1.2269% | 2,593 |
| Return on Equity (ROE) | 8.4457% | 2,903 |
| Retained earnings to average equity (ytd only) | 6.3293% | 2,220 |
| Net charge-offs to loans | 0.0758% | 3,859 |
| Credit loss provision to net charge-offs | 584.4156% | 482 |
| Earnings coverage of net charge-offs (x) | 37.7937% | 1,047 |
| Efficiency ratio | 58.6589% | 5,605 |
| Assets per employee ($millions) | 6.6268% | 883 |
| Cash dividends to net income (ytd only)* | 25.0589% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 3,527 |
| Loan loss allowance to noncurrent loans | 234.4626% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 5,239 |
| Noncurrent loans to loans | 0.6318% | 4,617 |
| Net loans and leases to total assets | 49.1257% | 5,233 |
| Net loans and leases to deposits | 66.8813% | 4,192 |
| Net loans and leases to core deposits | 70.5699% | 4,257 |
| Total domestic deposits to total assets | 73.4520% | 6,404 |
| Equity capital to assets | 12.1838% | 1,799 |
| Core capital (leverage) ratio | 13.1722% | 1,139 |
| Tier 1 risk-based capital ratio | 21.6495% | 1,371 |
| Total risk-based capital ratio | 22.8806% | 1,354 |
| Memoranda: | ||
| Average total assets | $274,821,750 | 2,316 |
| Average earning assets | $258,345,000 | 2,268 |
| Average equity | $33,452,000 | 2,081 |
| Average total loans | $135,452,250 | 2,777 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 2,058 |
| Cost of funding earning assets | 1.3643% | 102 |
| Net interest margin | 3.1756% | 5,027 |
| Noninterest income to average assets | 0.3951% | 4,562 |
| Noninterest expense to average assets | 1.9031% | 6,218 |
| Loan and lease loss provision to assets | 0.2175% | 1,746 |
| Net operating income to assets | 1.0864% | 1,968 |
| Return on assets (ROA) | 1.0976% | 2,048 |
| Pretax return on assets | 1.2745% | 2,389 |
| Return on Equity (ROE) | 9.0204% | 2,599 |
| Retained earnings to average equity (ytd only) | 6.8040% | 1,982 |
| Net charge-offs to loans | 0.0768% | 3,614 |
| Credit loss provision to net charge-offs | 576.9231% | 502 |
| Earnings coverage of net charge-offs (x) | 39.2308% | 943 |
| Efficiency ratio | 56.2701% | 5,937 |
| Assets per employee ($millions) | 6.6516% | 847 |
| Cash dividends to net income (ytd only)* | 24.5707% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 4,071 |
| Loan loss allowance to noncurrent loans | 195.4309% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4448% | 5,163 |
| Noncurrent loans to loans | 0.7124% | 4,503 |
| Net loans and leases to total assets | 48.8756% | 5,237 |
| Net loans and leases to deposits | 66.0848% | 4,259 |
| Net loans and leases to core deposits | 69.5804% | 4,312 |
| Total domestic deposits to total assets | 73.9589% | 6,449 |
| Equity capital to assets | 12.1038% | 1,846 |
| Core capital (leverage) ratio | 12.6708% | 1,300 |
| Tier 1 risk-based capital ratio | 21.3057% | 1,421 |
| Total risk-based capital ratio | 22.4564% | 1,412 |
| Memoranda: | ||
| Average total assets | $275,863,330 | 2,314 |
| Average earning assets | $259,475,330 | 2,269 |
| Average equity | $33,568,330 | 2,077 |
| Average total loans | $135,443,000 | 2,780 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 2,164 |
| Cost of funding earning assets | 1.3726% | 114 |
| Net interest margin | 3.1283% | 5,167 |
| Noninterest income to average assets | 0.4037% | 4,430 |
| Noninterest expense to average assets | 1.9781% | 6,146 |
| Loan and lease loss provision to assets | 0.2163% | 1,715 |
| Net operating income to assets | 0.9919% | 2,258 |
| Return on assets (ROA) | 0.9919% | 2,378 |
| Pretax return on assets | 1.1534% | 2,751 |
| Return on Equity (ROE) | 8.1305% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.1305% | 1,699 |
| Net charge-offs to loans | 0.0472% | 3,371 |
| Credit loss provision to net charge-offs | 937.5000% | 331 |
| Earnings coverage of net charge-offs (x) | 59.3750% | 601 |
| Efficiency ratio | 59.0870% | 5,706 |
| Assets per employee ($millions) | 6.7727% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 4,576 |
| Loan loss allowance to noncurrent loans | 180.9621% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 5,277 |
| Noncurrent loans to loans | 0.7321% | 4,669 |
| Net loans and leases to total assets | 47.4244% | 5,288 |
| Net loans and leases to deposits | 63.9989% | 4,315 |
| Net loans and leases to core deposits | 67.2969% | 4,374 |
| Total domestic deposits to total assets | 74.1018% | 6,530 |
| Equity capital to assets | 12.2965% | 1,837 |
| Core capital (leverage) ratio | 12.6095% | 1,291 |
| Tier 1 risk-based capital ratio | 21.1450% | 1,504 |
| Total risk-based capital ratio | 22.2320% | 1,516 |
| Memoranda: | ||
| Average total assets | $277,437,500 | 2,330 |
| Average earning assets | $261,101,500 | 2,281 |
| Average equity | $33,848,000 | 2,084 |
| Average total loans | $135,578,000 | 2,795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 2,237 |
| Cost of funding earning assets | 1.4715% | 188 |
| Net interest margin | 3.3188% | 5,188 |
| Noninterest income to average assets | 0.4101% | 4,526 |
| Noninterest expense to average assets | 2.0779% | 6,169 |
| Loan and lease loss provision to assets | 0.2073% | 3,067 |
| Net operating income to assets | 1.0868% | 1,983 |
| Return on assets (ROA) | 1.0868% | 2,171 |
| Pretax return on assets | 1.2512% | 2,601 |
| Return on Equity (ROE) | 8.8460% | 2,704 |
| Retained earnings to average equity (ytd only) | 6.4251% | 1,854 |
| Net charge-offs to loans | 0.2010% | 3,771 |
| Credit loss provision to net charge-offs | 202.2059% | 1,277 |
| Earnings coverage of net charge-offs (x) | 14.2243% | 1,749 |
| Efficiency ratio | 58.7571% | 5,733 |
| Assets per employee ($millions) | 6.9299% | 791 |
| Cash dividends to net income (ytd only)* | 27.3673% | 3,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,178 |
| Loan loss allowance to noncurrent loans | 118.8364% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.5862% | 5,012 |
| Noncurrent loans to loans | 0.9985% | 4,193 |
| Net loans and leases to total assets | 49.0867% | 5,297 |
| Net loans and leases to deposits | 67.3741% | 4,068 |
| Net loans and leases to core deposits | 71.0175% | 4,165 |
| Total domestic deposits to total assets | 72.8570% | 6,635 |
| Equity capital to assets | 12.1038% | 1,978 |
| Core capital (leverage) ratio | 12.8443% | 1,177 |
| Tier 1 risk-based capital ratio | 20.3432% | 1,597 |
| Total risk-based capital ratio | 21.3294% | 1,626 |
| Memoranda: | ||
| Average total assets | $265,273,800 | 2,391 |
| Average earning assets | $249,877,400 | 2,327 |
| Average equity | $32,591,000 | 2,118 |
| Average total loans | $135,338,000 | 2,787 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 2,233 |
| Cost of funding earning assets | 1.4832% | 220 |
| Net interest margin | 3.3580% | 5,188 |
| Noninterest income to average assets | 0.4173% | 4,502 |
| Noninterest expense to average assets | 2.0531% | 6,261 |
| Loan and lease loss provision to assets | 0.2287% | 2,770 |
| Net operating income to assets | 1.0904% | 2,128 |
| Return on assets (ROA) | 1.0904% | 2,322 |
| Pretax return on assets | 1.3003% | 2,612 |
| Return on Equity (ROE) | 8.8403% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.3072% | 1,938 |
| Net charge-offs to loans | 0.1494% | 3,912 |
| Credit loss provision to net charge-offs | 298.0132% | 910 |
| Earnings coverage of net charge-offs (x) | 19.9204% | 1,469 |
| Efficiency ratio | 57.3152% | 5,881 |
| Assets per employee ($millions) | 6.6657% | 876 |
| Cash dividends to net income (ytd only)* | 17.3427% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 5,216 |
| Loan loss allowance to noncurrent loans | 182.2687% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 5,591 |
| Noncurrent loans to loans | 0.6671% | 5,110 |
| Net loans and leases to total assets | 50.4274% | 5,258 |
| Net loans and leases to deposits | 68.9669% | 4,037 |
| Net loans and leases to core deposits | 72.8691% | 4,143 |
| Total domestic deposits to total assets | 73.1183% | 6,667 |
| Equity capital to assets | 12.5104% | 1,886 |
| Core capital (leverage) ratio | 12.6972% | 1,320 |
| Tier 1 risk-based capital ratio | 20.5405% | 1,630 |
| Total risk-based capital ratio | 21.5588% | 1,655 |
| Memoranda: | ||
| Average total assets | $262,293,500 | 2,434 |
| Average earning assets | $247,206,250 | 2,375 |
| Average equity | $32,351,000 | 2,144 |
| Average total loans | $134,747,500 | 2,830 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 2,203 |
| Cost of funding earning assets | 1.4920% | 248 |
| Net interest margin | 3.3846% | 5,140 |
| Noninterest income to average assets | 0.4202% | 4,500 |
| Noninterest expense to average assets | 1.9950% | 6,446 |
| Loan and lease loss provision to assets | 0.2300% | 2,771 |
| Net operating income to assets | 1.1516% | 1,875 |
| Return on assets (ROA) | 1.1516% | 2,086 |
| Pretax return on assets | 1.3832% | 2,265 |
| Return on Equity (ROE) | 9.3828% | 2,623 |
| Retained earnings to average equity (ytd only) | 7.0590% | 2,070 |
| Net charge-offs to loans | 0.1072% | 4,113 |
| Credit loss provision to net charge-offs | 416.6667% | 711 |
| Earnings coverage of net charge-offs (x) | 29.2222% | 1,090 |
| Efficiency ratio | 55.2911% | 6,189 |
| Assets per employee ($millions) | 6.8751% | 775 |
| Cash dividends to net income (ytd only)* | 24.7670% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1792% | 5,449 |
| Loan loss allowance to noncurrent loans | 122.8860% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 5,313 |
| Noncurrent loans to loans | 0.9595% | 4,589 |
| Net loans and leases to total assets | 49.5096% | 5,422 |
| Net loans and leases to deposits | 69.0443% | 4,035 |
| Net loans and leases to core deposits | 72.8723% | 4,183 |
| Total domestic deposits to total assets | 71.7070% | 6,817 |
| Equity capital to assets | 12.2243% | 1,990 |
| Core capital (leverage) ratio | 12.5684% | 1,323 |
| Tier 1 risk-based capital ratio | 20.2177% | 1,658 |
| Total risk-based capital ratio | 21.1959% | 1,684 |
| Memoranda: | ||
| Average total assets | $260,849,000 | 2,448 |
| Average earning assets | $245,703,330 | 2,390 |
| Average equity | $32,016,000 | 2,151 |
| Average total loans | $134,294,000 | 2,846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 2,065 |
| Cost of funding earning assets | 1.5234% | 256 |
| Net interest margin | 3.4269% | 5,005 |
| Noninterest income to average assets | 0.4230% | 4,497 |
| Noninterest expense to average assets | 2.0248% | 6,419 |
| Loan and lease loss provision to assets | 0.2333% | 2,612 |
| Net operating income to assets | 1.1430% | 1,905 |
| Return on assets (ROA) | 1.1430% | 2,090 |
| Pretax return on assets | 1.3903% | 2,219 |
| Return on Equity (ROE) | 9.2934% | 2,688 |
| Retained earnings to average equity (ytd only) | 9.2934% | 1,482 |
| Net charge-offs to loans | 0.2204% | 2,818 |
| Credit loss provision to net charge-offs | 202.7027% | 1,325 |
| Earnings coverage of net charge-offs (x) | 14.1081% | 1,489 |
| Efficiency ratio | 55.4987% | 6,185 |
| Assets per employee ($millions) | 6.4899% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0783% | 5,974 |
| Loan loss allowance to noncurrent loans | 98.9634% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 5,233 |
| Noncurrent loans to loans | 1.0896% | 4,512 |
| Net loans and leases to total assets | 50.6038% | 5,220 |
| Net loans and leases to deposits | 68.9593% | 3,885 |
| Net loans and leases to core deposits | 72.5939% | 4,071 |
| Total domestic deposits to total assets | 73.3822% | 6,795 |
| Equity capital to assets | 12.3018% | 1,849 |
| Core capital (leverage) ratio | 12.5504% | 1,322 |
| Tier 1 risk-based capital ratio | 20.4256% | 1,611 |
| Total risk-based capital ratio | 21.3299% | 1,665 |
| Memoranda: | ||
| Average total assets | $257,208,500 | 2,498 |
| Average earning assets | $242,086,000 | 2,431 |
| Average equity | $31,635,500 | 2,171 |
| Average total loans | $134,274,000 | 2,866 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1711% | 2,181 |
| Cost of funding earning assets | 1.6038% | 474 |
| Net interest margin | 3.5674% | 4,856 |
| Noninterest income to average assets | 0.3758% | 4,821 |
| Noninterest expense to average assets | 2.0674% | 6,551 |
| Loan and lease loss provision to assets | 0.2500% | 3,701 |
| Net operating income to assets | 1.1815% | 1,562 |
| Return on assets (ROA) | 1.1815% | 1,681 |
| Pretax return on assets | 1.4121% | 1,744 |
| Return on Equity (ROE) | 9.7563% | 2,142 |
| Retained earnings to average equity (ytd only) | 7.3822% | 1,327 |
| Net charge-offs to loans | 0.3673% | 3,563 |
| Credit loss provision to net charge-offs | 128.6307% | 2,397 |
| Earnings coverage of net charge-offs (x) | 8.5519% | 2,127 |
| Efficiency ratio | 55.4330% | 6,375 |
| Assets per employee ($millions) | 6.2151% | 1,092 |
| Cash dividends to net income (ytd only)* | 24.3345% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 6,225 |
| Loan loss allowance to noncurrent loans | 78.7914% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 5,290 |
| Noncurrent loans to loans | 1.2678% | 4,255 |
| Net loans and leases to total assets | 52.7408% | 5,195 |
| Net loans and leases to deposits | 73.4618% | 3,588 |
| Net loans and leases to core deposits | 77.0268% | 3,823 |
| Total domestic deposits to total assets | 71.7934% | 6,882 |
| Equity capital to assets | 12.2973% | 1,913 |
| Core capital (leverage) ratio | 12.6393% | 1,293 |
| Tier 1 risk-based capital ratio | 19.9540% | 1,653 |
| Total risk-based capital ratio | 20.8100% | 1,706 |
| Memoranda: | ||
| Average total assets | $247,996,200 | 2,541 |
| Average earning assets | $233,140,000 | 2,471 |
| Average equity | $30,031,800 | 2,199 |
| Average total loans | $131,227,200 | 2,965 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 2,213 |
| Cost of funding earning assets | 1.6119% | 550 |
| Net interest margin | 3.5879% | 4,821 |
| Noninterest income to average assets | 0.3367% | 5,165 |
| Noninterest expense to average assets | 1.9727% | 6,744 |
| Loan and lease loss provision to assets | 0.2003% | 4,017 |
| Net operating income to assets | 1.2462% | 1,528 |
| Return on assets (ROA) | 1.2462% | 1,631 |
| Pretax return on assets | 1.5353% | 1,562 |
| Return on Equity (ROE) | 10.3322% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.7299% | 1,240 |
| Net charge-offs to loans | 0.1568% | 4,519 |
| Credit loss provision to net charge-offs | 241.8301% | 1,186 |
| Earnings coverage of net charge-offs (x) | 20.9548% | 1,202 |
| Efficiency ratio | 53.1971% | 6,576 |
| Assets per employee ($millions) | 6.1379% | 1,125 |
| Cash dividends to net income (ytd only)* | 15.5083% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,935 |
| Loan loss allowance to noncurrent loans | 92.9404% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6135% | 5,595 |
| Noncurrent loans to loans | 1.1710% | 4,585 |
| Net loans and leases to total assets | 51.8225% | 5,470 |
| Net loans and leases to deposits | 72.4851% | 3,895 |
| Net loans and leases to core deposits | 75.5965% | 4,243 |
| Total domestic deposits to total assets | 71.4941% | 6,965 |
| Equity capital to assets | 12.3996% | 1,972 |
| Core capital (leverage) ratio | 12.8238% | 1,285 |
| Tier 1 risk-based capital ratio | 20.3418% | 1,602 |
| Total risk-based capital ratio | 21.2733% | 1,650 |
| Memoranda: | ||
| Average total assets | $246,290,250 | 2,571 |
| Average earning assets | $231,437,750 | 2,492 |
| Average equity | $29,705,750 | 2,214 |
| Average total loans | $130,096,500 | 3,005 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2231% | 2,175 |
| Cost of funding earning assets | 1.6252% | 633 |
| Net interest margin | 3.5979% | 4,728 |
| Noninterest income to average assets | 0.3444% | 5,126 |
| Noninterest expense to average assets | 1.9648% | 6,856 |
| Loan and lease loss provision to assets | 0.1800% | 4,119 |
| Net operating income to assets | 1.2622% | 1,414 |
| Return on assets (ROA) | 1.2622% | 1,479 |
| Pretax return on assets | 1.5787% | 1,297 |
| Return on Equity (ROE) | 10.5662% | 1,931 |
| Retained earnings to average equity (ytd only) | 8.1215% | 1,417 |
| Net charge-offs to loans | 0.1390% | 4,361 |
| Credit loss provision to net charge-offs | 244.4444% | 1,242 |
| Earnings coverage of net charge-offs (x) | 23.8889% | 1,076 |
| Efficiency ratio | 52.7680% | 6,737 |
| Assets per employee ($millions) | 6.0093% | 1,183 |
| Cash dividends to net income (ytd only)* | 23.1367% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0349% | 6,205 |
| Loan loss allowance to noncurrent loans | 80.8638% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6766% | 5,549 |
| Noncurrent loans to loans | 1.2798% | 4,524 |
| Net loans and leases to total assets | 52.3204% | 5,528 |
| Net loans and leases to deposits | 71.5498% | 4,194 |
| Net loans and leases to core deposits | 74.7235% | 4,482 |
| Total domestic deposits to total assets | 73.1244% | 6,911 |
| Equity capital to assets | 12.3054% | 1,902 |
| Core capital (leverage) ratio | 12.5087% | 1,352 |
| Tier 1 risk-based capital ratio | 20.6032% | 1,495 |
| Total risk-based capital ratio | 21.5114% | 1,533 |
| Memoranda: | ||
| Average total assets | $244,502,670 | 2,606 |
| Average earning assets | $229,632,330 | 2,527 |
| Average equity | $29,206,330 | 2,229 |
| Average total loans | $129,512,670 | 3,046 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1988% | 2,223 |
| Cost of funding earning assets | 1.6256% | 743 |
| Net interest margin | 3.5732% | 4,704 |
| Noninterest income to average assets | 0.3695% | 4,957 |
| Noninterest expense to average assets | 2.0216% | 6,797 |
| Loan and lease loss provision to assets | 0.1478% | 4,164 |
| Net operating income to assets | 1.2399% | 1,421 |
| Return on assets (ROA) | 1.2399% | 1,477 |
| Pretax return on assets | 1.5536% | 1,288 |
| Return on Equity (ROE) | 10.5408% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.5408% | 985 |
| Net charge-offs to loans | -0.0805% | 7,023 |
| Credit loss provision to net charge-offs | -346.1538% | 5,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3008% | 6,668 |
| Assets per employee ($millions) | 6.0189% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 6,270 |
| Loan loss allowance to noncurrent loans | 90.8657% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 5,781 |
| Noncurrent loans to loans | 1.1391% | 4,802 |
| Net loans and leases to total assets | 51.6475% | 5,626 |
| Net loans and leases to deposits | 69.7692% | 4,379 |
| Net loans and leases to core deposits | 73.7034% | 4,561 |
| Total domestic deposits to total assets | 74.0261% | 6,896 |
| Equity capital to assets | 11.7402% | 2,088 |
| Core capital (leverage) ratio | 12.5620% | 1,296 |
| Tier 1 risk-based capital ratio | 20.4457% | 1,492 |
| Total risk-based capital ratio | 21.3497% | 1,532 |
| Memoranda: | ||
| Average total assets | $243,564,000 | 2,630 |
| Average earning assets | $228,590,000 | 2,558 |
| Average equity | $28,650,500 | 2,258 |
| Average total loans | $129,141,500 | 3,082 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3602% | 2,856 |
| Cost of funding earning assets | 1.7900% | 1,210 |
| Net interest margin | 3.5702% | 4,962 |
| Noninterest income to average assets | 0.3904% | 4,973 |
| Noninterest expense to average assets | 2.0527% | 6,939 |
| Loan and lease loss provision to assets | 0.2609% | 4,703 |
| Net operating income to assets | 1.1592% | 1,515 |
| Return on assets (ROA) | 1.1592% | 1,600 |
| Pretax return on assets | 1.4244% | 1,580 |
| Return on Equity (ROE) | 9.5903% | 2,081 |
| Retained earnings to average equity (ytd only) | 6.6369% | 1,490 |
| Net charge-offs to loans | 0.4243% | 3,925 |
| Credit loss provision to net charge-offs | 115.6069% | 3,736 |
| Earnings coverage of net charge-offs (x) | 7.4682% | 2,125 |
| Efficiency ratio | 54.9145% | 6,723 |
| Assets per employee ($millions) | 6.0088% | 1,205 |
| Cash dividends to net income (ytd only)* | 30.7952% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 6,605 |
| Loan loss allowance to noncurrent loans | 79.9737% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6337% | 5,728 |
| Noncurrent loans to loans | 1.1761% | 4,755 |
| Net loans and leases to total assets | 53.3711% | 5,722 |
| Net loans and leases to deposits | 73.1176% | 4,340 |
| Net loans and leases to core deposits | 76.7545% | 4,612 |
| Total domestic deposits to total assets | 72.9935% | 6,995 |
| Equity capital to assets | 11.7864% | 2,050 |
| Core capital (leverage) ratio | 12.5766% | 1,280 |
| Tier 1 risk-based capital ratio | 20.1579% | 1,453 |
| Total risk-based capital ratio | 20.9932% | 1,512 |
| Memoranda: | ||
| Average total assets | $229,994,800 | 2,758 |
| Average earning assets | $215,644,800 | 2,678 |
| Average equity | $27,799,000 | 2,328 |
| Average total loans | $122,330,400 | 3,270 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 2,876 |
| Cost of funding earning assets | 1.8188% | 1,349 |
| Net interest margin | 3.5825% | 4,956 |
| Noninterest income to average assets | 0.3922% | 5,021 |
| Noninterest expense to average assets | 2.0187% | 7,016 |
| Loan and lease loss provision to assets | 0.2111% | 4,956 |
| Net operating income to assets | 1.1902% | 1,617 |
| Return on assets (ROA) | 1.1902% | 1,710 |
| Pretax return on assets | 1.5197% | 1,561 |
| Return on Equity (ROE) | 9.7830% | 2,211 |
| Retained earnings to average equity (ytd only) | 7.6047% | 1,557 |
| Net charge-offs to loans | 0.3385% | 3,952 |
| Credit loss provision to net charge-offs | 117.6471% | 3,526 |
| Earnings coverage of net charge-offs (x) | 9.6471% | 1,997 |
| Efficiency ratio | 53.8389% | 6,803 |
| Assets per employee ($millions) | 5.7450% | 1,427 |
| Cash dividends to net income (ytd only)* | 22.2659% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 6,557 |
| Loan loss allowance to noncurrent loans | 59.0278% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9286% | 5,241 |
| Noncurrent loans to loans | 1.6152% | 4,220 |
| Net loans and leases to total assets | 53.7959% | 5,878 |
| Net loans and leases to deposits | 72.8707% | 4,714 |
| Net loans and leases to core deposits | 76.3935% | 5,007 |
| Total domestic deposits to total assets | 73.8238% | 6,939 |
| Equity capital to assets | 12.5117% | 1,852 |
| Core capital (leverage) ratio | 12.8737% | 1,277 |
| Tier 1 risk-based capital ratio | 21.0852% | 1,343 |
| Total risk-based capital ratio | 21.9467% | 1,392 |
| Memoranda: | ||
| Average total assets | $227,405,250 | 2,822 |
| Average earning assets | $213,107,500 | 2,751 |
| Average equity | $27,666,500 | 2,366 |
| Average total loans | $120,538,750 | 3,359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3937% | 3,000 |
| Cost of funding earning assets | 1.8384% | 1,495 |
| Net interest margin | 3.5553% | 5,027 |
| Noninterest income to average assets | 0.3857% | 5,031 |
| Noninterest expense to average assets | 1.9364% | 7,202 |
| Loan and lease loss provision to assets | 0.1500% | 5,398 |
| Net operating income to assets | 1.2992% | 1,309 |
| Return on assets (ROA) | 1.2992% | 1,369 |
| Pretax return on assets | 1.6310% | 1,209 |
| Return on Equity (ROE) | 10.7820% | 1,826 |
| Retained earnings to average equity (ytd only) | 8.1085% | 1,404 |
| Net charge-offs to loans | 0.4248% | 3,296 |
| Credit loss provision to net charge-offs | 67.1937% | 5,040 |
| Earnings coverage of net charge-offs (x) | 7.9763% | 2,210 |
| Efficiency ratio | 52.0893% | 7,057 |
| Assets per employee ($millions) | 5.6653% | 1,476 |
| Cash dividends to net income (ytd only)* | 24.7962% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8726% | 6,845 |
| Loan loss allowance to noncurrent loans | 59.6382% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 0.8420% | 5,432 |
| Noncurrent loans to loans | 1.4632% | 4,515 |
| Net loans and leases to total assets | 52.8845% | 6,117 |
| Net loans and leases to deposits | 71.7522% | 5,032 |
| Net loans and leases to core deposits | 75.2772% | 5,287 |
| Total domestic deposits to total assets | 73.7043% | 7,011 |
| Equity capital to assets | 12.4910% | 1,809 |
| Core capital (leverage) ratio | 12.6464% | 1,346 |
| Tier 1 risk-based capital ratio | 21.7243% | 1,243 |
| Total risk-based capital ratio | 22.5241% | 1,273 |
| Memoranda: | ||
| Average total assets | $226,607,000 | 2,851 |
| Average earning assets | $212,357,330 | 2,786 |
| Average equity | $27,304,670 | 2,389 |
| Average total loans | $119,114,000 | 3,417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3354% | 3,366 |
| Cost of funding earning assets | 1.8678% | 1,577 |
| Net interest margin | 3.4676% | 5,296 |
| Noninterest income to average assets | 0.3954% | 4,952 |
| Noninterest expense to average assets | 1.9594% | 7,231 |
| Loan and lease loss provision to assets | 0.1412% | 5,136 |
| Net operating income to assets | 1.2427% | 1,421 |
| Return on assets (ROA) | 1.2427% | 1,494 |
| Pretax return on assets | 1.5392% | 1,424 |
| Return on Equity (ROE) | 10.5059% | 1,948 |
| Retained earnings to average equity (ytd only) | 10.5059% | 1,041 |
| Net charge-offs to loans | 0.0440% | 4,979 |
| Credit loss provision to net charge-offs | 615.3846% | 709 |
| Earnings coverage of net charge-offs (x) | 73.2308% | 427 |
| Efficiency ratio | 53.8312% | 6,990 |
| Assets per employee ($millions) | 5.7243% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,402 |
| Loan loss allowance to noncurrent loans | 74.9689% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.7014% | 5,770 |
| Noncurrent loans to loans | 1.3490% | 4,725 |
| Net loans and leases to total assets | 51.4672% | 6,326 |
| Net loans and leases to deposits | 69.5050% | 5,408 |
| Net loans and leases to core deposits | 72.7690% | 5,633 |
| Total domestic deposits to total assets | 74.0482% | 7,043 |
| Equity capital to assets | 11.9046% | 2,101 |
| Core capital (leverage) ratio | 12.4249% | 1,438 |
| Tier 1 risk-based capital ratio | 21.5288% | 1,264 |
| Total risk-based capital ratio | 22.4463% | 1,291 |
| Memoranda: | ||
| Average total assets | $226,605,000 | 2,908 |
| Average earning assets | $212,017,500 | 2,854 |
| Average equity | $26,804,000 | 2,450 |
| Average total loans | $118,222,500 | 3,490 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 3,541 |
| Cost of funding earning assets | 2.1574% | 2,202 |
| Net interest margin | 3.4544% | 5,155 |
| Noninterest income to average assets | 0.4578% | 4,737 |
| Noninterest expense to average assets | 2.3147% | 6,711 |
| Loan and lease loss provision to assets | 0.1254% | 6,386 |
| Net operating income to assets | 1.0381% | 1,710 |
| Return on assets (ROA) | 1.0397% | 1,750 |
| Pretax return on assets | 1.2686% | 1,786 |
| Return on Equity (ROE) | 8.1467% | 2,311 |
| Retained earnings to average equity (ytd only) | 4.7592% | 1,939 |
| Net charge-offs to loans | 0.3538% | 4,461 |
| Credit loss provision to net charge-offs | 66.3391% | 6,554 |
| Earnings coverage of net charge-offs (x) | 7.3661% | 2,164 |
| Efficiency ratio | 62.4452% | 6,067 |
| Assets per employee ($millions) | 5.6060% | 1,552 |
| Cash dividends to net income (ytd only)* | 41.5811% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,541 |
| Loan loss allowance to noncurrent loans | 83.1748% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6096% | 5,928 |
| Noncurrent loans to loans | 1.1644% | 4,999 |
| Net loans and leases to total assets | 51.8460% | 6,440 |
| Net loans and leases to deposits | 70.5776% | 5,526 |
| Net loans and leases to core deposits | 93.1921% | 4,760 |
| Total domestic deposits to total assets | 73.4596% | 7,093 |
| Equity capital to assets | 11.7509% | 2,164 |
| Core capital (leverage) ratio | 12.5385% | 1,436 |
| Tier 1 risk-based capital ratio | 21.4491% | 1,225 |
| Total risk-based capital ratio | 22.3344% | 1,250 |
| Memoranda: | ||
| Average total assets | $215,360,000 | 3,014 |
| Average earning assets | $202,555,400 | 2,939 |
| Average equity | $27,483,400 | 2,416 |
| Average total loans | $115,045,400 | 3,580 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6418% | 3,624 |
| Cost of funding earning assets | 2.2041% | 2,398 |
| Net interest margin | 3.4377% | 5,122 |
| Noninterest income to average assets | 0.4667% | 4,773 |
| Noninterest expense to average assets | 2.2170% | 6,927 |
| Loan and lease loss provision to assets | 0.0563% | 6,806 |
| Net operating income to assets | 1.1165% | 1,686 |
| Return on assets (ROA) | 1.1185% | 1,743 |
| Pretax return on assets | 1.4331% | 1,614 |
| Return on Equity (ROE) | 8.5856% | 2,417 |
| Retained earnings to average equity (ytd only) | 5.8198% | 2,032 |
| Net charge-offs to loans | 0.2574% | 4,443 |
| Credit loss provision to net charge-offs | 40.7240% | 6,415 |
| Earnings coverage of net charge-offs (x) | 10.7556% | 1,928 |
| Efficiency ratio | 59.8548% | 6,435 |
| Assets per employee ($millions) | 5.4143% | 1,694 |
| Cash dividends to net income (ytd only)* | 32.2147% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 6,407 |
| Loan loss allowance to noncurrent loans | 101.2400% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.5213% | 6,157 |
| Noncurrent loans to loans | 0.9660% | 5,364 |
| Net loans and leases to total assets | 53.4377% | 6,448 |
| Net loans and leases to deposits | 72.5928% | 5,572 |
| Net loans and leases to core deposits | 96.1660% | 4,795 |
| Total domestic deposits to total assets | 73.6129% | 7,013 |
| Equity capital to assets | 13.1504% | 1,640 |
| Core capital (leverage) ratio | 13.1720% | 1,333 |
| Tier 1 risk-based capital ratio | 22.5978% | 1,160 |
| Total risk-based capital ratio | 23.5151% | 1,177 |
| Memoranda: | ||
| Average total assets | $213,140,250 | 3,052 |
| Average earning assets | $200,712,500 | 2,974 |
| Average equity | $27,766,750 | 2,405 |
| Average total loans | $114,457,750 | 3,625 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6134% | 4,003 |
| Cost of funding earning assets | 2.2548% | 2,556 |
| Net interest margin | 3.3586% | 5,325 |
| Noninterest income to average assets | 0.4660% | 4,741 |
| Noninterest expense to average assets | 2.1151% | 7,244 |
| Loan and lease loss provision to assets | 0.0566% | 6,656 |
| Net operating income to assets | 1.1378% | 1,637 |
| Return on assets (ROA) | 1.1378% | 1,722 |
| Pretax return on assets | 1.4547% | 1,576 |
| Return on Equity (ROE) | 8.7617% | 2,444 |
| Retained earnings to average equity (ytd only) | 4.8167% | 2,627 |
| Net charge-offs to loans | 0.0194% | 6,247 |
| Credit loss provision to net charge-offs | 545.4545% | 852 |
| Earnings coverage of net charge-offs (x) | 145.6364% | 277 |
| Efficiency ratio | 58.3247% | 6,808 |
| Assets per employee ($millions) | 5.3422% | 1,726 |
| Cash dividends to net income (ytd only)* | 45.0249% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 5,227 |
| Loan loss allowance to noncurrent loans | 69.4488% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.8915% | 5,201 |
| Noncurrent loans to loans | 1.6653% | 3,996 |
| Net loans and leases to total assets | 52.9148% | 6,576 |
| Net loans and leases to deposits | 71.3339% | 5,833 |
| Net loans and leases to core deposits | 93.1961% | 5,218 |
| Total domestic deposits to total assets | 74.1791% | 6,928 |
| Equity capital to assets | 12.8323% | 1,776 |
| Core capital (leverage) ratio | 12.9551% | 1,445 |
| Tier 1 risk-based capital ratio | 22.5543% | 1,181 |
| Total risk-based capital ratio | 23.6351% | 1,171 |
| Memoranda: | ||
| Average total assets | $211,996,330 | 3,087 |
| Average earning assets | $199,487,330 | 3,007 |
| Average equity | $27,529,000 | 2,436 |
| Average total loans | $113,652,330 | 3,684 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6042% | 4,330 |
| Cost of funding earning assets | 2.3158% | 2,632 |
| Net interest margin | 3.2884% | 5,532 |
| Noninterest income to average assets | 0.4755% | 4,549 |
| Noninterest expense to average assets | 2.1103% | 7,094 |
| Loan and lease loss provision to assets | 0.0568% | 6,253 |
| Net operating income to assets | 1.0874% | 2,005 |
| Return on assets (ROA) | 1.0874% | 2,134 |
| Pretax return on assets | 1.4018% | 1,964 |
| Return on Equity (ROE) | 8.3240% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.3240% | 1,692 |
| Net charge-offs to loans | -0.0777% | 7,820 |
| Credit loss provision to net charge-offs | -136.3636% | 6,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1295% | 6,536 |
| Assets per employee ($millions) | 5.3143% | 1,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 4,976 |
| Loan loss allowance to noncurrent loans | 43.3192% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4400% | 3,771 |
| Noncurrent loans to loans | 2.7050% | 2,426 |
| Net loans and leases to total assets | 52.6100% | 6,621 |
| Net loans and leases to deposits | 70.0120% | 5,978 |
| Net loans and leases to core deposits | 91.2215% | 5,439 |
| Total domestic deposits to total assets | 75.1442% | 6,682 |
| Equity capital to assets | 13.0489% | 1,720 |
| Core capital (leverage) ratio | 13.0738% | 1,459 |
| Tier 1 risk-based capital ratio | 22.7773% | 1,218 |
| Total risk-based capital ratio | 23.8748% | 1,199 |
| Memoranda: | ||
| Average total assets | $211,151,000 | 3,100 |
| Average earning assets | $198,638,500 | 3,032 |
| Average equity | $27,583,000 | 2,447 |
| Average total loans | $113,281,000 | 3,714 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2588% | 4,191 |
| Cost of funding earning assets | 2.8271% | 2,594 |
| Net interest margin | 3.4317% | 5,540 |
| Noninterest income to average assets | 0.4808% | 4,790 |
| Noninterest expense to average assets | 2.2360% | 6,873 |
| Loan and lease loss provision to assets | 0.0588% | 6,674 |
| Net operating income to assets | 1.1017% | 2,139 |
| Return on assets (ROA) | 1.1028% | 2,050 |
| Pretax return on assets | 1.4062% | 1,957 |
| Return on Equity (ROE) | 8.4790% | 2,853 |
| Retained earnings to average equity (ytd only) | 4.8123% | 2,137 |
| Net charge-offs to loans | 0.1960% | 4,231 |
| Credit loss provision to net charge-offs | 53.3333% | 6,313 |
| Earnings coverage of net charge-offs (x) | 13.2711% | 2,148 |
| Efficiency ratio | 60.4399% | 6,272 |
| Assets per employee ($millions) | 5.2433% | 1,693 |
| Cash dividends to net income (ytd only)* | 43.2444% | 3,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,103 |
| Loan loss allowance to noncurrent loans | 141.9822% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.4463% | 5,877 |
| Noncurrent loans to loans | 0.7919% | 5,060 |
| Net loans and leases to total assets | 53.4625% | 6,712 |
| Net loans and leases to deposits | 71.4974% | 6,118 |
| Net loans and leases to core deposits | 92.5951% | 5,581 |
| Total domestic deposits to total assets | 74.7754% | 6,503 |
| Equity capital to assets | 13.0776% | 1,752 |
| Core capital (leverage) ratio | 13.1407% | 1,506 |
| Tier 1 risk-based capital ratio | 22.5310% | 1,248 |
| Total risk-based capital ratio | 23.5971% | 1,245 |
| Memoranda: | ||
| Average total assets | $204,022,800 | 3,085 |
| Average earning assets | $191,364,000 | 3,020 |
| Average equity | $26,536,000 | 2,512 |
| Average total loans | $114,806,800 | 3,568 |