Home > State Bank of Chilton > Performance and Condition Ratios
State Bank of Chilton, 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 | 5.9933% | 1,185 |
| Cost of funding earning assets | 1.8213% | 2,398 |
| Net interest margin | 4.1720% | 999 |
| Noninterest income to average assets | 0.2900% | 2,950 |
| Noninterest expense to average assets | 1.7651% | 3,970 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.5716% | 201 |
| Return on assets (ROA) | 2.6103% | 191 |
| Pretax return on assets | 2.6103% | 276 |
| Return on Equity (ROE) | 22.7300% | 286 |
| Retained earnings to average equity (ytd only) | 14.6766% | 466 |
| Net charge-offs to loans | -0.0175% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 39.7906% | 4,292 |
| Assets per employee ($millions) | 9.1415% | 1,056 |
| Cash dividends to net income (ytd only)* | 35.4381% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 573 |
| Loan loss allowance to noncurrent loans | 461.8661% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 2,045 |
| Noncurrent loans to loans | 0.3805% | 2,171 |
| Net loans and leases to total assets | 80.3300% | 563 |
| Net loans and leases to deposits | 95.9034% | 629 |
| Net loans and leases to core deposits | 103.4836% | 1,160 |
| Total domestic deposits to total assets | 83.7600% | 2,960 |
| Equity capital to assets | 11.7368% | 1,332 |
| Core capital (leverage) ratio | 11.7966% | 1,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $475,658,000 | 1,842 |
| Average earning assets | $461,650,000 | 1,780 |
| Average equity | $54,617,500 | 1,663 |
| Average total loans | $389,053,500 | 1,592 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9462% | 1,362 |
| Cost of funding earning assets | 1.9445% | 2,354 |
| Net interest margin | 4.0018% | 1,174 |
| Noninterest income to average assets | 0.0800% | 4,282 |
| Noninterest expense to average assets | 1.7400% | 4,032 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 2.2352% | 289 |
| Return on assets (ROA) | 2.2346% | 290 |
| Pretax return on assets | 2.1277% | 480 |
| Return on Equity (ROE) | 20.0800% | 398 |
| Retained earnings to average equity (ytd only) | 6.9916% | 1,434 |
| Net charge-offs to loans | 0.1126% | 1,091 |
| Credit loss provision to net charge-offs | 105.3864% | 1,817 |
| Earnings coverage of net charge-offs (x) | 24.4403% | 1,683 |
| Efficiency ratio | 42.7663% | 4,266 |
| Assets per employee ($millions) | 9.5191% | 894 |
| Cash dividends to net income (ytd only)* | 65.1840% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 578 |
| Loan loss allowance to noncurrent loans | 594.5899% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 2,224 |
| Noncurrent loans to loans | 0.2943% | 2,385 |
| Net loans and leases to total assets | 80.3900% | 609 |
| Net loans and leases to deposits | 94.2499% | 842 |
| Net loans and leases to core deposits | 101.1802% | 1,378 |
| Total domestic deposits to total assets | 85.2900% | 2,430 |
| Equity capital to assets | 11.2285% | 1,488 |
| Core capital (leverage) ratio | 11.2324% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $466,847,200 | 1,848 |
| Average earning assets | $454,622,800 | 1,785 |
| Average equity | $51,948,400 | 1,681 |
| Average total loans | $379,110,600 | 1,598 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8157% | 1,532 |
| Cost of funding earning assets | 1.9202% | 2,412 |
| Net interest margin | 3.8955% | 1,310 |
| Noninterest income to average assets | 0.0900% | 4,255 |
| Noninterest expense to average assets | 1.6092% | 4,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 2.4157% | 256 |
| Return on assets (ROA) | 2.4139% | 253 |
| Pretax return on assets | 2.2707% | 445 |
| Return on Equity (ROE) | 21.7400% | 318 |
| Retained earnings to average equity (ytd only) | 9.4643% | 972 |
| Net charge-offs to loans | 0.0499% | 1,401 |
| Credit loss provision to net charge-offs | -35.4610% | 4,354 |
| Earnings coverage of net charge-offs (x) | 56.1560% | 1,142 |
| Efficiency ratio | 40.4214% | 4,327 |
| Assets per employee ($millions) | 9.4295% | 920 |
| Cash dividends to net income (ytd only)* | 56.4737% | 1,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7402% | 606 |
| Loan loss allowance to noncurrent loans | 196.6041% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 973 |
| Noncurrent loans to loans | 0.8851% | 1,133 |
| Net loans and leases to total assets | 79.0400% | 758 |
| Net loans and leases to deposits | 93.0594% | 953 |
| Net loans and leases to core deposits | 105.2941% | 1,175 |
| Total domestic deposits to total assets | 84.9400% | 2,318 |
| Equity capital to assets | 11.4356% | 1,507 |
| Core capital (leverage) ratio | 11.3120% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $464,569,750 | 1,845 |
| Average earning assets | $452,372,750 | 1,791 |
| Average equity | $51,574,750 | 1,673 |
| Average total loans | $376,530,500 | 1,592 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 1,615 |
| Cost of funding earning assets | 1.8288% | 2,559 |
| Net interest margin | 3.8635% | 1,323 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.6579% | 4,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 2.4371% | 252 |
| Return on assets (ROA) | 2.4306% | 251 |
| Pretax return on assets | 2.2147% | 472 |
| Return on Equity (ROE) | 22.1200% | 330 |
| Retained earnings to average equity (ytd only) | 8.7333% | 1,158 |
| Net charge-offs to loans | -0.0080% | 3,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 41.7020% | 4,316 |
| Assets per employee ($millions) | 9.3705% | 886 |
| Cash dividends to net income (ytd only)* | 60.5198% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8015% | 556 |
| Loan loss allowance to noncurrent loans | 174.7543% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.9067% | 683 |
| Noncurrent loans to loans | 1.0309% | 888 |
| Net loans and leases to total assets | 78.6000% | 837 |
| Net loans and leases to deposits | 91.0385% | 1,206 |
| Net loans and leases to core deposits | 102.4271% | 1,337 |
| Total domestic deposits to total assets | 86.3400% | 1,880 |
| Equity capital to assets | 11.1334% | 1,508 |
| Core capital (leverage) ratio | 11.3958% | 1,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $462,267,333 | 1,849 |
| Average earning assets | $449,590,333 | 1,791 |
| Average equity | $50,794,333 | 1,678 |
| Average total loans | $375,615,333 | 1,595 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6395% | 1,561 |
| Cost of funding earning assets | 1.8154% | 2,463 |
| Net interest margin | 3.8242% | 1,331 |
| Noninterest income to average assets | 0.1000% | 4,220 |
| Noninterest expense to average assets | 1.5908% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 2.2303% | 331 |
| Return on assets (ROA) | 2.2311% | 335 |
| Pretax return on assets | 2.2311% | 464 |
| Return on Equity (ROE) | 20.4400% | 415 |
| Retained earnings to average equity (ytd only) | 2.8817% | 3,004 |
| Net charge-offs to loans | -0.0223% | 4,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 40.5837% | 4,337 |
| Assets per employee ($millions) | 8.8542% | 1,081 |
| Cash dividends to net income (ytd only)* | 85.9039% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7983% | 553 |
| Loan loss allowance to noncurrent loans | 156.7455% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.0199% | 560 |
| Noncurrent loans to loans | 1.1473% | 733 |
| Net loans and leases to total assets | 80.2000% | 598 |
| Net loans and leases to deposits | 92.6511% | 978 |
| Net loans and leases to core deposits | 103.7320% | 1,215 |
| Total domestic deposits to total assets | 86.5600% | 1,920 |
| Equity capital to assets | 10.9245% | 1,523 |
| Core capital (leverage) ratio | 10.8633% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $459,138,000 | 1,863 |
| Average earning assets | $446,634,500 | 1,805 |
| Average equity | $50,110,000 | 1,685 |
| Average total loans | $375,916,500 | 1,584 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1490% | 1,760 |
| Cost of funding earning assets | 1.4110% | 2,204 |
| Net interest margin | 3.7380% | 1,678 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.7151% | 4,119 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.8002% | 610 |
| Return on assets (ROA) | 1.8232% | 568 |
| Pretax return on assets | 1.9537% | 718 |
| Return on Equity (ROE) | 17.3600% | 906 |
| Retained earnings to average equity (ytd only) | 8.8237% | 1,298 |
| Net charge-offs to loans | 0.0622% | 1,229 |
| Credit loss provision to net charge-offs | 188.9381% | 1,266 |
| Earnings coverage of net charge-offs (x) | 40.2655% | 1,440 |
| Efficiency ratio | 44.7624% | 4,232 |
| Assets per employee ($millions) | 8.8050% | 1,059 |
| Cash dividends to net income (ytd only)* | 49.1643% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8070% | 530 |
| Loan loss allowance to noncurrent loans | 168.2607% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9654% | 516 |
| Noncurrent loans to loans | 1.0739% | 683 |
| Net loans and leases to total assets | 80.6000% | 568 |
| Net loans and leases to deposits | 90.8158% | 1,204 |
| Net loans and leases to core deposits | 104.6557% | 1,186 |
| Total domestic deposits to total assets | 88.7500% | 1,138 |
| Equity capital to assets | 10.9033% | 1,519 |
| Core capital (leverage) ratio | 11.0596% | 1,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $449,598,800 | 1,862 |
| Average earning assets | $434,807,000 | 1,793 |
| Average equity | $47,225,000 | 1,672 |
| Average total loans | $363,221,000 | 1,566 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 1,755 |
| Cost of funding earning assets | 1.3124% | 2,121 |
| Net interest margin | 3.7280% | 1,724 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.6374% | 4,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9184% | 553 |
| Return on assets (ROA) | 1.9228% | 541 |
| Pretax return on assets | 2.0986% | 658 |
| Return on Equity (ROE) | 18.4900% | 879 |
| Retained earnings to average equity (ytd only) | 8.9477% | 1,704 |
| Net charge-offs to loans | 0.0174% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 149.5319% | 730 |
| Efficiency ratio | 42.7739% | 4,286 |
| Assets per employee ($millions) | 8.9293% | 953 |
| Cash dividends to net income (ytd only)* | 51.5959% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7076% | 682 |
| Loan loss allowance to noncurrent loans | 163.2061% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 579 |
| Noncurrent loans to loans | 1.0463% | 769 |
| Net loans and leases to total assets | 78.8900% | 770 |
| Net loans and leases to deposits | 89.4969% | 1,269 |
| Net loans and leases to core deposits | 104.4640% | 1,097 |
| Total domestic deposits to total assets | 88.1400% | 1,522 |
| Equity capital to assets | 10.5313% | 1,543 |
| Core capital (leverage) ratio | 10.5868% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7969% | 1,631 |
| Memoranda: | ||
| Average total assets | $447,533,500 | 1,861 |
| Average earning assets | $432,391,750 | 1,793 |
| Average equity | $46,550,750 | 1,681 |
| Average total loans | $359,853,250 | 1,575 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 1,782 |
| Cost of funding earning assets | 1.1488% | 2,136 |
| Net interest margin | 3.7422% | 1,730 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.6659% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8823% | 578 |
| Return on assets (ROA) | 1.8885% | 565 |
| Pretax return on assets | 2.0782% | 652 |
| Return on Equity (ROE) | 18.2300% | 926 |
| Retained earnings to average equity (ytd only) | 11.5925% | 1,062 |
| Net charge-offs to loans | -0.0073% | 3,822 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.4568% | 4,282 |
| Assets per employee ($millions) | 9.2476% | 836 |
| Cash dividends to net income (ytd only)* | 36.4199% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 703 |
| Loan loss allowance to noncurrent loans | 258.3436% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6045% | 889 |
| Noncurrent loans to loans | 0.6683% | 1,117 |
| Net loans and leases to total assets | 79.1500% | 722 |
| Net loans and leases to deposits | 90.8719% | 1,118 |
| Net loans and leases to core deposits | 105.5506% | 1,000 |
| Total domestic deposits to total assets | 87.1000% | 1,900 |
| Equity capital to assets | 10.4786% | 1,610 |
| Core capital (leverage) ratio | 10.7506% | 2,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6311% | 1,683 |
| Memoranda: | ||
| Average total assets | $444,913,667 | 1,873 |
| Average earning assets | $429,476,333 | 1,811 |
| Average equity | $46,081,333 | 1,696 |
| Average total loans | $357,978,000 | 1,567 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 1,704 |
| Cost of funding earning assets | 1.0228% | 1,971 |
| Net interest margin | 3.7426% | 1,807 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.6588% | 4,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8356% | 637 |
| Return on assets (ROA) | 1.8421% | 614 |
| Pretax return on assets | 2.0726% | 687 |
| Return on Equity (ROE) | 17.8900% | 1,045 |
| Retained earnings to average equity (ytd only) | 11.2823% | 1,404 |
| Net charge-offs to loans | -0.0124% | 3,924 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 43.4211% | 4,327 |
| Assets per employee ($millions) | 8.9989% | 934 |
| Cash dividends to net income (ytd only)* | 36.9458% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7670% | 698 |
| Loan loss allowance to noncurrent loans | 1,195.2562% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 2,229 |
| Noncurrent loans to loans | 0.1478% | 2,754 |
| Net loans and leases to total assets | 77.8300% | 779 |
| Net loans and leases to deposits | 88.5274% | 1,165 |
| Net loans and leases to core deposits | 101.7007% | 1,013 |
| Total domestic deposits to total assets | 87.9100% | 1,958 |
| Equity capital to assets | 10.2437% | 1,697 |
| Core capital (leverage) ratio | 10.4003% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5610% | 1,776 |
| Memoranda: | ||
| Average total assets | $440,804,500 | 1,905 |
| Average earning assets | $425,483,500 | 1,847 |
| Average equity | $45,381,000 | 1,730 |
| Average total loans | $354,494,000 | 1,599 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 1,966 |
| Cost of funding earning assets | 0.3421% | 2,545 |
| Net interest margin | 3.5642% | 1,745 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.6417% | 4,258 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.8414% | 395 |
| Return on assets (ROA) | 1.7431% | 470 |
| Pretax return on assets | 1.7431% | 832 |
| Return on Equity (ROE) | 17.3200% | 806 |
| Retained earnings to average equity (ytd only) | 9.2197% | 1,412 |
| Net charge-offs to loans | -0.1443% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 44.2221% | 4,421 |
| Assets per employee ($millions) | 8.6333% | 1,044 |
| Cash dividends to net income (ytd only)* | 46.7670% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 677 |
| Loan loss allowance to noncurrent loans | 4,692.5373% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 2,837 |
| Noncurrent loans to loans | 0.0380% | 3,505 |
| Net loans and leases to total assets | 80.2000% | 570 |
| Net loans and leases to deposits | 93.8104% | 800 |
| Net loans and leases to core deposits | 99.7310% | 1,017 |
| Total domestic deposits to total assets | 85.5000% | 2,856 |
| Equity capital to assets | 10.3486% | 1,535 |
| Core capital (leverage) ratio | 10.5698% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1939% | 1,902 |
| Memoranda: | ||
| Average total assets | $423,216,800 | 1,939 |
| Average earning assets | $409,515,000 | 1,883 |
| Average equity | $42,593,600 | 1,840 |
| Average total loans | $318,706,400 | 1,641 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7203% | 1,975 |
| Cost of funding earning assets | 0.3085% | 2,073 |
| Net interest margin | 3.4118% | 1,941 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.5587% | 4,354 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.8107% | 422 |
| Return on assets (ROA) | 1.7747% | 436 |
| Pretax return on assets | 1.7747% | 771 |
| Return on Equity (ROE) | 17.7600% | 675 |
| Retained earnings to average equity (ytd only) | 10.3148% | 1,251 |
| Net charge-offs to loans | -0.1964% | 4,638 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.5135% | 4,476 |
| Assets per employee ($millions) | 8.9635% | 904 |
| Cash dividends to net income (ytd only)* | 41.9269% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 697 |
| Loan loss allowance to noncurrent loans | 567.1016% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3191% | 1,664 |
| Noncurrent loans to loans | 0.3216% | 2,086 |
| Net loans and leases to total assets | 76.1400% | 899 |
| Net loans and leases to deposits | 86.4700% | 1,141 |
| Net loans and leases to core deposits | 91.0934% | 1,229 |
| Total domestic deposits to total assets | 88.0500% | 2,418 |
| Equity capital to assets | 10.1172% | 1,559 |
| Core capital (leverage) ratio | 10.2915% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6272% | 1,833 |
| Memoranda: | ||
| Average total assets | $421,105,250 | 1,962 |
| Average earning assets | $407,988,750 | 1,898 |
| Average equity | $42,074,250 | 1,881 |
| Average total loans | $310,257,500 | 1,670 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 1,912 |
| Cost of funding earning assets | 0.2928% | 1,783 |
| Net interest margin | 3.2850% | 1,952 |
| Noninterest income to average assets | 0.1890% | 4,059 |
| Noninterest expense to average assets | 1.5936% | 4,310 |
| Loan and lease loss provision to assets | 0.0718% | 1,334 |
| Net operating income to assets | 1.7069% | 423 |
| Return on assets (ROA) | 1.6998% | 422 |
| Pretax return on assets | 1.6998% | 753 |
| Return on Equity (ROE) | 17.0861% | 560 |
| Retained earnings to average equity (ytd only) | 8.9109% | 1,315 |
| Net charge-offs to loans | -0.1845% | 4,579 |
| Credit loss provision to net charge-offs | -53.7634% | 3,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9356% | 4,453 |
| Assets per employee ($millions) | 8.4248% | 1,099 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8391% | 757 |
| Loan loss allowance to noncurrent loans | 417.1784% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 1,422 |
| Noncurrent loans to loans | 0.4408% | 1,796 |
| Net loans and leases to total assets | 72.3131% | 1,072 |
| Net loans and leases to deposits | 82.1654% | 1,235 |
| Net loans and leases to core deposits | 85.6149% | 1,367 |
| Total domestic deposits to total assets | 88.0092% | 2,573 |
| Equity capital to assets | 10.0634% | 1,681 |
| Core capital (leverage) ratio | 10.1585% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9253% | 1,455 |
| Memoranda: | ||
| Average total assets | $418,058,000 | 1,983 |
| Average earning assets | $405,119,667 | 1,921 |
| Average equity | $41,589,333 | 1,937 |
| Average total loans | $302,451,667 | 1,693 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5055% | 1,795 |
| Cost of funding earning assets | 0.2945% | 1,703 |
| Net interest margin | 3.2110% | 1,856 |
| Noninterest income to average assets | 0.1470% | 4,275 |
| Noninterest expense to average assets | 1.5886% | 4,314 |
| Loan and lease loss provision to assets | 0.1441% | 558 |
| Net operating income to assets | 1.5242% | 599 |
| Return on assets (ROA) | 1.5223% | 593 |
| Pretax return on assets | 1.5223% | 974 |
| Return on Equity (ROE) | 15.3926% | 600 |
| Retained earnings to average equity (ytd only) | 5.1956% | 2,516 |
| Net charge-offs to loans | -0.3698% | 4,686 |
| Credit loss provision to net charge-offs | -54.3478% | 2,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3902% | 4,438 |
| Assets per employee ($millions) | 8.6953% | 1,023 |
| Cash dividends to net income (ytd only)* | 66.2461% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 774 |
| Loan loss allowance to noncurrent loans | 527.1719% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 1,787 |
| Noncurrent loans to loans | 0.3562% | 2,206 |
| Net loans and leases to total assets | 71.4217% | 884 |
| Net loans and leases to deposits | 82.1709% | 999 |
| Net loans and leases to core deposits | 84.7047% | 1,207 |
| Total domestic deposits to total assets | 86.9185% | 2,959 |
| Equity capital to assets | 9.8834% | 1,984 |
| Core capital (leverage) ratio | 9.9170% | 2,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9427% | 1,820 |
| Memoranda: | ||
| Average total assets | $416,467,500 | 1,992 |
| Average earning assets | $403,361,500 | 1,940 |
| Average equity | $41,188,500 | 2,014 |
| Average total loans | $298,518,500 | 1,708 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8446% | 1,755 |
| Cost of funding earning assets | 0.3590% | 1,863 |
| Net interest margin | 3.4856% | 1,783 |
| Noninterest income to average assets | 0.1810% | 4,250 |
| Noninterest expense to average assets | 1.7731% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7594% | 560 |
| Return on assets (ROA) | 1.7664% | 574 |
| Pretax return on assets | 1.7664% | 985 |
| Return on Equity (ROE) | 17.4926% | 519 |
| Retained earnings to average equity (ytd only) | 10.9339% | 714 |
| Net charge-offs to loans | 0.0826% | 978 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 28.4622% | 1,646 |
| Efficiency ratio | 48.8273% | 4,359 |
| Assets per employee ($millions) | 8.1482% | 1,254 |
| Cash dividends to net income (ytd only)* | 37.4945% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 865 |
| Loan loss allowance to noncurrent loans | 190.0612% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.6683% | 968 |
| Noncurrent loans to loans | 0.9470% | 1,067 |
| Net loans and leases to total assets | 69.2941% | 1,124 |
| Net loans and leases to deposits | 79.6600% | 1,244 |
| Net loans and leases to core deposits | 82.0171% | 1,460 |
| Total domestic deposits to total assets | 86.9874% | 2,525 |
| Equity capital to assets | 9.8965% | 2,757 |
| Core capital (leverage) ratio | 10.1328% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3427% | 1,727 |
| Memoranda: | ||
| Average total assets | $385,023,800 | 2,041 |
| Average earning assets | $370,205,200 | 2,002 |
| Average equity | $38,879,200 | 2,125 |
| Average total loans | $288,033,200 | 1,752 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 1,787 |
| Cost of funding earning assets | 0.3829% | 1,837 |
| Net interest margin | 3.5083% | 1,844 |
| Noninterest income to average assets | 0.1427% | 4,483 |
| Noninterest expense to average assets | 1.7255% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7834% | 690 |
| Return on assets (ROA) | 1.7912% | 711 |
| Pretax return on assets | 1.7912% | 1,181 |
| Return on Equity (ROE) | 17.6416% | 673 |
| Retained earnings to average equity (ytd only) | 11.2043% | 1,011 |
| Net charge-offs to loans | -0.0023% | 3,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7648% | 4,383 |
| Assets per employee ($millions) | 7.6287% | 1,491 |
| Cash dividends to net income (ytd only)* | 36.4892% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8254% | 886 |
| Loan loss allowance to noncurrent loans | 167.6587% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 827 |
| Noncurrent loans to loans | 1.0888% | 1,037 |
| Net loans and leases to total assets | 76.3207% | 523 |
| Net loans and leases to deposits | 88.3399% | 698 |
| Net loans and leases to core deposits | 91.3230% | 961 |
| Total domestic deposits to total assets | 86.3945% | 2,600 |
| Equity capital to assets | 10.2950% | 2,617 |
| Core capital (leverage) ratio | 10.2074% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8701% | 2,017 |
| Memoranda: | ||
| Average total assets | $377,390,000 | 2,099 |
| Average earning assets | $362,106,500 | 2,052 |
| Average equity | $38,317,500 | 2,171 |
| Average total loans | $286,732,500 | 1,785 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8218% | 2,013 |
| Cost of funding earning assets | 0.4038% | 1,856 |
| Net interest margin | 3.4180% | 2,085 |
| Noninterest income to average assets | 0.1087% | 4,659 |
| Noninterest expense to average assets | 1.7531% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6375% | 970 |
| Return on assets (ROA) | 1.6450% | 1,012 |
| Pretax return on assets | 1.6450% | 1,624 |
| Return on Equity (ROE) | 16.2804% | 902 |
| Retained earnings to average equity (ytd only) | 9.9209% | 1,417 |
| Net charge-offs to loans | 0.0277% | 1,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 78.4103% | 844 |
| Efficiency ratio | 50.2369% | 4,219 |
| Assets per employee ($millions) | 7.5431% | 1,452 |
| Cash dividends to net income (ytd only)* | 39.0625% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 730 |
| Loan loss allowance to noncurrent loans | 154.5865% | 2,830 |
| Noncurrent assets plus other real estate owned to assets | 0.9394% | 816 |
| Noncurrent loans to loans | 1.2330% | 971 |
| Net loans and leases to total assets | 74.7375% | 699 |
| Net loans and leases to deposits | 86.5803% | 878 |
| Net loans and leases to core deposits | 90.0637% | 1,136 |
| Total domestic deposits to total assets | 86.3216% | 2,615 |
| Equity capital to assets | 10.2666% | 2,605 |
| Core capital (leverage) ratio | 10.2879% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1501% | 1,925 |
| Memoranda: | ||
| Average total assets | $373,499,333 | 2,101 |
| Average earning assets | $358,629,667 | 2,060 |
| Average equity | $37,738,667 | 2,190 |
| Average total loans | $281,491,333 | 1,827 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7365% | 2,265 |
| Cost of funding earning assets | 0.4531% | 1,696 |
| Net interest margin | 3.2834% | 2,436 |
| Noninterest income to average assets | 0.0495% | 4,855 |
| Noninterest expense to average assets | 1.6714% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5368% | 1,246 |
| Return on assets (ROA) | 1.5734% | 1,231 |
| Pretax return on assets | 1.5734% | 1,792 |
| Return on Equity (ROE) | 15.7004% | 1,078 |
| Retained earnings to average equity (ytd only) | 10.3309% | 1,566 |
| Net charge-offs to loans | -0.0172% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5535% | 4,143 |
| Assets per employee ($millions) | 7.3869% | 1,529 |
| Cash dividends to net income (ytd only)* | 34.1997% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 649 |
| Loan loss allowance to noncurrent loans | 170.0923% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9070% | 946 |
| Noncurrent loans to loans | 1.1506% | 1,162 |
| Net loans and leases to total assets | 74.9815% | 714 |
| Net loans and leases to deposits | 86.5932% | 919 |
| Net loans and leases to core deposits | 90.3208% | 1,210 |
| Total domestic deposits to total assets | 86.5905% | 2,487 |
| Equity capital to assets | 10.2103% | 2,513 |
| Core capital (leverage) ratio | 9.9767% | 2,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3851% | 1,779 |
| Memoranda: | ||
| Average total assets | $371,671,000 | 2,098 |
| Average earning assets | $357,551,000 | 2,051 |
| Average equity | $37,247,500 | 2,193 |
| Average total loans | $278,560,000 | 1,844 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 2,979 |
| Cost of funding earning assets | 0.6206% | 2,175 |
| Net interest margin | 3.2982% | 3,070 |
| Noninterest income to average assets | 0.3224% | 3,531 |
| Noninterest expense to average assets | 2.0138% | 4,115 |
| Loan and lease loss provision to assets | 0.3482% | 999 |
| Net operating income to assets | 1.1511% | 1,719 |
| Return on assets (ROA) | 1.1581% | 1,815 |
| Pretax return on assets | 1.1581% | 2,488 |
| Return on Equity (ROE) | 11.1447% | 1,575 |
| Retained earnings to average equity (ytd only) | 3.8843% | 2,883 |
| Net charge-offs to loans | -0.1203% | 4,838 |
| Credit loss provision to net charge-offs | -387.0968% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7859% | 4,012 |
| Assets per employee ($millions) | 7.1923% | 1,449 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0084% | 575 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9217% | 1,064 |
| Noncurrent loans to loans | 1.1476% | 1,236 |
| Net loans and leases to total assets | 71.9620% | 1,286 |
| Net loans and leases to deposits | 82.7442% | 1,576 |
| Net loans and leases to core deposits | 88.5905% | 1,636 |
| Total domestic deposits to total assets | 86.9692% | 1,959 |
| Equity capital to assets | 9.8353% | 3,276 |
| Core capital (leverage) ratio | 10.0656% | 2,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6844% | 1,981 |
| Memoranda: | ||
| Average total assets | $344,628,200 | 2,079 |
| Average earning assets | $333,389,200 | 2,009 |
| Average equity | $35,810,800 | 2,186 |
| Average total loans | $257,651,800 | 1,879 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9383% | 3,147 |
| Cost of funding earning assets | 0.6571% | 2,285 |
| Net interest margin | 3.2812% | 3,246 |
| Noninterest income to average assets | 0.3400% | 3,440 |
| Noninterest expense to average assets | 2.0105% | 4,125 |
| Loan and lease loss provision to assets | 0.3558% | 1,060 |
| Net operating income to assets | 1.1476% | 1,830 |
| Return on assets (ROA) | 1.1559% | 1,916 |
| Pretax return on assets | 1.1559% | 2,544 |
| Return on Equity (ROE) | 10.9610% | 1,693 |
| Retained earnings to average equity (ytd only) | 3.0889% | 3,486 |
| Net charge-offs to loans | -0.0984% | 4,822 |
| Credit loss provision to net charge-offs | -481.2834% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6418% | 3,967 |
| Assets per employee ($millions) | 6.7150% | 1,667 |
| Cash dividends to net income (ytd only)* | 71.8194% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8946% | 596 |
| Loan loss allowance to noncurrent loans | 140.7295% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1209% | 932 |
| Noncurrent loans to loans | 1.3462% | 1,094 |
| Net loans and leases to total assets | 75.5276% | 1,154 |
| Net loans and leases to deposits | 87.5882% | 1,533 |
| Net loans and leases to core deposits | 97.2534% | 1,359 |
| Total domestic deposits to total assets | 86.2304% | 1,969 |
| Equity capital to assets | 10.3462% | 2,923 |
| Core capital (leverage) ratio | 10.3532% | 2,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9798% | 1,837 |
| Memoranda: | ||
| Average total assets | $337,285,500 | 2,088 |
| Average earning assets | $326,258,750 | 2,024 |
| Average equity | $35,567,500 | 2,186 |
| Average total loans | $253,401,500 | 1,900 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 3,369 |
| Cost of funding earning assets | 0.7215% | 2,281 |
| Net interest margin | 3.2615% | 3,486 |
| Noninterest income to average assets | 0.3978% | 3,092 |
| Noninterest expense to average assets | 2.0827% | 4,070 |
| Loan and lease loss provision to assets | 0.3600% | 1,171 |
| Net operating income to assets | 1.1094% | 1,939 |
| Return on assets (ROA) | 1.1220% | 2,015 |
| Pretax return on assets | 1.1220% | 2,645 |
| Return on Equity (ROE) | 10.5706% | 1,786 |
| Retained earnings to average equity (ytd only) | 1.5262% | 3,927 |
| Net charge-offs to loans | -0.0653% | 4,746 |
| Credit loss provision to net charge-offs | -740.7407% | 3,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0608% | 3,807 |
| Assets per employee ($millions) | 6.7331% | 1,602 |
| Cash dividends to net income (ytd only)* | 85.5615% | 665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 686 |
| Loan loss allowance to noncurrent loans | 79.6838% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 464 |
| Noncurrent loans to loans | 2.2365% | 562 |
| Net loans and leases to total assets | 73.7787% | 1,441 |
| Net loans and leases to deposits | 85.3646% | 1,840 |
| Net loans and leases to core deposits | 91.1910% | 1,968 |
| Total domestic deposits to total assets | 86.4278% | 1,833 |
| Equity capital to assets | 10.1622% | 3,055 |
| Core capital (leverage) ratio | 10.1950% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7856% | 1,897 |
| Memoranda: | ||
| Average total assets | $333,320,333 | 2,078 |
| Average earning assets | $322,371,667 | 2,008 |
| Average equity | $35,381,000 | 2,188 |
| Average total loans | $248,261,667 | 1,916 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 3,199 |
| Cost of funding earning assets | 0.8321% | 2,214 |
| Net interest margin | 3.3704% | 3,398 |
| Noninterest income to average assets | 0.2770% | 3,864 |
| Noninterest expense to average assets | 2.1482% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3850% | 1,024 |
| Return on assets (ROA) | 1.4071% | 1,042 |
| Pretax return on assets | 1.4071% | 1,540 |
| Return on Equity (ROE) | 12.9586% | 892 |
| Retained earnings to average equity (ytd only) | -0.6462% | 4,098 |
| Net charge-offs to loans | -0.0731% | 4,744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1638% | 3,841 |
| Assets per employee ($millions) | 6.0910% | 1,604 |
| Cash dividends to net income (ytd only)* | 104.9869% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6484% | 958 |
| Loan loss allowance to noncurrent loans | 80.5009% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 577 |
| Noncurrent loans to loans | 2.0477% | 683 |
| Net loans and leases to total assets | 74.8514% | 1,477 |
| Net loans and leases to deposits | 86.3947% | 1,947 |
| Net loans and leases to core deposits | 93.3513% | 2,031 |
| Total domestic deposits to total assets | 86.6389% | 1,722 |
| Equity capital to assets | 10.9115% | 2,935 |
| Core capital (leverage) ratio | 10.5465% | 2,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4887% | 1,757 |
| Memoranda: | ||
| Average total assets | $324,920,500 | 2,070 |
| Average earning assets | $313,906,000 | 2,004 |
| Average equity | $35,281,500 | 2,186 |
| Average total loans | $240,892,000 | 1,920 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6049% | 2,593 |
| Cost of funding earning assets | 0.8184% | 2,595 |
| Net interest margin | 3.7865% | 2,544 |
| Noninterest income to average assets | 0.2569% | 4,137 |
| Noninterest expense to average assets | 2.0979% | 4,373 |
| Loan and lease loss provision to assets | 0.0510% | 3,004 |
| Net operating income to assets | 1.7560% | 585 |
| Return on assets (ROA) | 1.7662% | 602 |
| Pretax return on assets | 1.7662% | 1,030 |
| Return on Equity (ROE) | 15.2299% | 645 |
| Retained earnings to average equity (ytd only) | 7.1710% | 1,324 |
| Net charge-offs to loans | -0.0616% | 4,862 |
| Credit loss provision to net charge-offs | -109.4891% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1062% | 4,596 |
| Assets per employee ($millions) | 6.2893% | 1,428 |
| Cash dividends to net income (ytd only)* | 52.9151% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 806 |
| Loan loss allowance to noncurrent loans | 95.7000% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.4160% | 738 |
| Noncurrent loans to loans | 1.7730% | 763 |
| Net loans and leases to total assets | 70.9652% | 2,254 |
| Net loans and leases to deposits | 81.8102% | 2,580 |
| Net loans and leases to core deposits | 88.3361% | 2,578 |
| Total domestic deposits to total assets | 86.7438% | 1,735 |
| Equity capital to assets | 10.8144% | 3,169 |
| Core capital (leverage) ratio | 11.5274% | 2,088 |
| Tier 1 risk-based capital ratio | 14.8336% | 2,853 |
| Total risk-based capital ratio | 16.0896% | 2,777 |
| Memoranda: | ||
| Average total assets | $294,248,600 | 2,192 |
| Average earning assets | $283,479,800 | 2,124 |
| Average equity | $34,123,600 | 2,183 |
| Average total loans | $222,267,800 | 2,016 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7285% | 2,328 |
| Cost of funding earning assets | 0.8336% | 2,542 |
| Net interest margin | 3.8949% | 2,273 |
| Noninterest income to average assets | 0.2703% | 4,122 |
| Noninterest expense to average assets | 2.0961% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9288% | 462 |
| Return on assets (ROA) | 1.9427% | 459 |
| Pretax return on assets | 1.9427% | 785 |
| Return on Equity (ROE) | 16.4353% | 545 |
| Retained earnings to average equity (ytd only) | 7.9574% | 1,420 |
| Net charge-offs to loans | -0.1121% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4690% | 4,711 |
| Assets per employee ($millions) | 5.6168% | 1,918 |
| Cash dividends to net income (ytd only)* | 51.5836% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 723 |
| Loan loss allowance to noncurrent loans | 83.2551% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.8277% | 535 |
| Noncurrent loans to loans | 2.1222% | 624 |
| Net loans and leases to total assets | 77.2696% | 1,266 |
| Net loans and leases to deposits | 91.1896% | 1,545 |
| Net loans and leases to core deposits | 96.6244% | 1,951 |
| Total domestic deposits to total assets | 84.7351% | 2,530 |
| Equity capital to assets | 12.4266% | 1,968 |
| Core capital (leverage) ratio | 11.9555% | 1,881 |
| Tier 1 risk-based capital ratio | 15.6032% | 2,603 |
| Total risk-based capital ratio | 16.8602% | 2,536 |
| Memoranda: | ||
| Average total assets | $286,049,250 | 2,257 |
| Average earning assets | $275,741,000 | 2,188 |
| Average equity | $33,812,500 | 2,216 |
| Average total loans | $218,811,000 | 2,049 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6976% | 2,362 |
| Cost of funding earning assets | 0.8146% | 2,575 |
| Net interest margin | 3.8831% | 2,292 |
| Noninterest income to average assets | 0.2724% | 4,115 |
| Noninterest expense to average assets | 2.0621% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9509% | 422 |
| Return on assets (ROA) | 1.9676% | 429 |
| Pretax return on assets | 1.9676% | 724 |
| Return on Equity (ROE) | 16.9354% | 472 |
| Retained earnings to average equity (ytd only) | 7.6631% | 1,534 |
| Net charge-offs to loans | -0.1568% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7749% | 4,794 |
| Assets per employee ($millions) | 5.5207% | 1,947 |
| Cash dividends to net income (ytd only)* | 54.7510% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7659% | 728 |
| Loan loss allowance to noncurrent loans | 113.5766% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3481% | 917 |
| Noncurrent loans to loans | 1.5548% | 984 |
| Net loans and leases to total assets | 75.3797% | 1,648 |
| Net loans and leases to deposits | 88.3383% | 1,962 |
| Net loans and leases to core deposits | 95.4001% | 2,126 |
| Total domestic deposits to total assets | 85.3307% | 2,330 |
| Equity capital to assets | 11.8850% | 2,274 |
| Core capital (leverage) ratio | 11.6535% | 2,058 |
| Tier 1 risk-based capital ratio | 15.4000% | 2,659 |
| Total risk-based capital ratio | 16.6571% | 2,587 |
| Memoranda: | ||
| Average total assets | $287,768,330 | 2,252 |
| Average earning assets | $277,203,330 | 2,180 |
| Average equity | $33,433,000 | 2,227 |
| Average total loans | $218,112,330 | 2,057 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 2,756 |
| Cost of funding earning assets | 0.7985% | 2,548 |
| Net interest margin | 3.7338% | 2,770 |
| Noninterest income to average assets | 0.2194% | 4,440 |
| Noninterest expense to average assets | 2.2102% | 4,238 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5994% | 900 |
| Return on assets (ROA) | 1.6382% | 856 |
| Pretax return on assets | 1.6382% | 1,375 |
| Return on Equity (ROE) | 14.2641% | 908 |
| Retained earnings to average equity (ytd only) | 7.6156% | 1,802 |
| Net charge-offs to loans | -0.0940% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3047% | 4,291 |
| Assets per employee ($millions) | 5.5803% | 1,901 |
| Cash dividends to net income (ytd only)* | 46.6102% | 1,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 810 |
| Loan loss allowance to noncurrent loans | 96.1489% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5868% | 728 |
| Noncurrent loans to loans | 1.7970% | 859 |
| Net loans and leases to total assets | 75.3440% | 1,589 |
| Net loans and leases to deposits | 88.1237% | 1,855 |
| Net loans and leases to core deposits | 94.6505% | 2,069 |
| Total domestic deposits to total assets | 85.4980% | 2,484 |
| Equity capital to assets | 11.7423% | 2,193 |
| Core capital (leverage) ratio | 11.2704% | 2,323 |
| Tier 1 risk-based capital ratio | 15.1856% | 2,800 |
| Total risk-based capital ratio | 16.4423% | 2,709 |
| Memoranda: | ||
| Average total assets | $288,114,500 | 2,261 |
| Average earning assets | $277,036,500 | 2,198 |
| Average equity | $33,090,000 | 2,247 |
| Average total loans | $217,025,000 | 2,084 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 2,238 |
| Cost of funding earning assets | 0.6200% | 2,588 |
| Net interest margin | 3.9480% | 2,167 |
| Noninterest income to average assets | 0.2959% | 4,131 |
| Noninterest expense to average assets | 2.2644% | 4,197 |
| Loan and lease loss provision to assets | 0.3640% | 407 |
| Net operating income to assets | 1.4429% | 1,300 |
| Return on assets (ROA) | 1.4498% | 1,264 |
| Pretax return on assets | 1.4502% | 1,953 |
| Return on Equity (ROE) | 12.1601% | 1,658 |
| Retained earnings to average equity (ytd only) | 2.5432% | 4,129 |
| Net charge-offs to loans | 0.0315% | 2,768 |
| Credit loss provision to net charge-offs | 1,470.5882% | 289 |
| Earnings coverage of net charge-offs (x) | 73.0147% | 907 |
| Efficiency ratio | 53.9514% | 4,623 |
| Assets per employee ($millions) | 5.5025% | 1,953 |
| Cash dividends to net income (ytd only)* | 79.0861% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7229% | 796 |
| Loan loss allowance to noncurrent loans | 94.3190% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 740 |
| Noncurrent loans to loans | 1.8267% | 771 |
| Net loans and leases to total assets | 72.7404% | 2,139 |
| Net loans and leases to deposits | 84.5402% | 2,452 |
| Net loans and leases to core deposits | 90.5693% | 2,521 |
| Total domestic deposits to total assets | 86.0424% | 2,208 |
| Equity capital to assets | 11.2340% | 2,484 |
| Core capital (leverage) ratio | 11.3943% | 2,183 |
| Tier 1 risk-based capital ratio | 14.9038% | 2,874 |
| Total risk-based capital ratio | 16.1599% | 2,803 |
| Memoranda: | ||
| Average total assets | $274,725,200 | 2,297 |
| Average earning assets | $262,741,400 | 2,244 |
| Average equity | $32,754,600 | 2,167 |
| Average total loans | $215,784,000 | 2,061 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 2,163 |
| Cost of funding earning assets | 0.5812% | 2,625 |
| Net interest margin | 3.9569% | 2,099 |
| Noninterest income to average assets | 0.2435% | 4,520 |
| Noninterest expense to average assets | 2.2905% | 4,121 |
| Loan and lease loss provision to assets | 0.2218% | 742 |
| Net operating income to assets | 1.5127% | 1,165 |
| Return on assets (ROA) | 1.5265% | 1,132 |
| Pretax return on assets | 1.5270% | 1,817 |
| Return on Equity (ROE) | 12.6073% | 1,577 |
| Retained earnings to average equity (ytd only) | 5.8905% | 2,711 |
| Net charge-offs to loans | -0.0210% | 4,645 |
| Credit loss provision to net charge-offs | -1,323.5294% | 4,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1855% | 4,489 |
| Assets per employee ($millions) | 5.4420% | 1,972 |
| Cash dividends to net income (ytd only)* | 53.2775% | 1,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,244 |
| Loan loss allowance to noncurrent loans | 109.6547% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.2708% | 1,083 |
| Noncurrent loans to loans | 1.3983% | 1,189 |
| Net loans and leases to total assets | 75.6858% | 1,708 |
| Net loans and leases to deposits | 88.8830% | 2,035 |
| Net loans and leases to core deposits | 95.3375% | 2,182 |
| Total domestic deposits to total assets | 85.1521% | 2,547 |
| Equity capital to assets | 12.0080% | 1,901 |
| Core capital (leverage) ratio | 11.6345% | 2,057 |
| Tier 1 risk-based capital ratio | 15.4463% | 2,673 |
| Total risk-based capital ratio | 16.7005% | 2,605 |
| Memoranda: | ||
| Average total assets | $270,498,250 | 2,336 |
| Average earning assets | $258,547,500 | 2,289 |
| Average equity | $32,752,750 | 2,174 |
| Average total loans | $215,766,500 | 2,064 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 2,034 |
| Cost of funding earning assets | 0.5180% | 2,866 |
| Net interest margin | 3.9998% | 1,865 |
| Noninterest income to average assets | 0.2431% | 4,555 |
| Noninterest expense to average assets | 2.3338% | 4,066 |
| Loan and lease loss provision to assets | 0.1492% | 1,275 |
| Net operating income to assets | 1.5782% | 966 |
| Return on assets (ROA) | 1.6043% | 919 |
| Pretax return on assets | 1.6043% | 1,488 |
| Return on Equity (ROE) | 13.2120% | 1,297 |
| Retained earnings to average equity (ytd only) | 7.9972% | 1,636 |
| Net charge-offs to loans | -0.1256% | 5,226 |
| Credit loss provision to net charge-offs | -147.0588% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7576% | 4,507 |
| Assets per employee ($millions) | 5.2684% | 2,135 |
| Cash dividends to net income (ytd only)* | 39.4700% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4464% | 1,571 |
| Loan loss allowance to noncurrent loans | 97.7159% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.3652% | 1,023 |
| Noncurrent loans to loans | 1.4803% | 1,136 |
| Net loans and leases to total assets | 77.6716% | 1,369 |
| Net loans and leases to deposits | 91.3790% | 1,665 |
| Net loans and leases to core deposits | 97.8043% | 1,906 |
| Total domestic deposits to total assets | 84.9994% | 2,674 |
| Equity capital to assets | 12.1209% | 1,773 |
| Core capital (leverage) ratio | 11.8698% | 1,790 |
| Tier 1 risk-based capital ratio | 15.2777% | 2,740 |
| Total risk-based capital ratio | 16.5310% | 2,669 |
| Memoranda: | ||
| Average total assets | $268,150,670 | 2,365 |
| Average earning assets | $255,964,330 | 2,312 |
| Average equity | $32,561,330 | 2,192 |
| Average total loans | $216,578,670 | 2,067 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4635% | 1,983 |
| Cost of funding earning assets | 0.4622% | 3,108 |
| Net interest margin | 4.0013% | 1,725 |
| Noninterest income to average assets | 0.2458% | 4,531 |
| Noninterest expense to average assets | 2.3691% | 4,021 |
| Loan and lease loss provision to assets | 0.1206% | 1,568 |
| Net operating income to assets | 1.5548% | 946 |
| Return on assets (ROA) | 1.6045% | 852 |
| Pretax return on assets | 1.6045% | 1,383 |
| Return on Equity (ROE) | 13.2014% | 1,207 |
| Retained earnings to average equity (ytd only) | 7.6553% | 1,968 |
| Net charge-offs to loans | -0.1531% | 5,323 |
| Credit loss provision to net charge-offs | -96.3855% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8233% | 4,486 |
| Assets per employee ($millions) | 5.1879% | 2,265 |
| Cash dividends to net income (ytd only)* | 42.0113% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 1,985 |
| Loan loss allowance to noncurrent loans | 86.4089% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.4959% | 928 |
| Noncurrent loans to loans | 1.5744% | 1,105 |
| Net loans and leases to total assets | 80.8397% | 814 |
| Net loans and leases to deposits | 92.2965% | 1,419 |
| Net loans and leases to core deposits | 98.9874% | 1,765 |
| Total domestic deposits to total assets | 87.5869% | 1,852 |
| Equity capital to assets | 12.2888% | 1,612 |
| Core capital (leverage) ratio | 11.8878% | 1,725 |
| Tier 1 risk-based capital ratio | 15.1192% | 2,822 |
| Total risk-based capital ratio | 16.3716% | 2,754 |
| Memoranda: | ||
| Average total assets | $265,248,000 | 2,399 |
| Average earning assets | $251,818,000 | 2,359 |
| Average equity | $32,239,000 | 2,221 |
| Average total loans | $216,913,500 | 2,064 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 1,957 |
| Cost of funding earning assets | 0.3981% | 3,273 |
| Net interest margin | 4.0277% | 1,666 |
| Noninterest income to average assets | 0.1614% | 5,151 |
| Noninterest expense to average assets | 2.3116% | 4,295 |
| Loan and lease loss provision to assets | 0.3860% | 387 |
| Net operating income to assets | 1.2836% | 1,267 |
| Return on assets (ROA) | 1.3013% | 1,233 |
| Pretax return on assets | 1.3013% | 2,344 |
| Return on Equity (ROE) | 10.7218% | 1,578 |
| Retained earnings to average equity (ytd only) | 4.3129% | 2,569 |
| Net charge-offs to loans | 0.3534% | 720 |
| Credit loss provision to net charge-offs | 132.8021% | 1,990 |
| Earnings coverage of net charge-offs (x) | 5.7437% | 3,277 |
| Efficiency ratio | 56.2591% | 4,745 |
| Assets per employee ($millions) | 5.1137% | 2,346 |
| Cash dividends to net income (ytd only)* | 59.7745% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 2,294 |
| Loan loss allowance to noncurrent loans | 94.5707% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 921 |
| Noncurrent loans to loans | 1.3581% | 1,283 |
| Net loans and leases to total assets | 80.5534% | 887 |
| Net loans and leases to deposits | 91.7628% | 1,560 |
| Net loans and leases to core deposits | 97.4598% | 1,901 |
| Total domestic deposits to total assets | 87.7844% | 1,611 |
| Equity capital to assets | 12.0205% | 1,823 |
| Core capital (leverage) ratio | 11.9505% | 1,627 |
| Tier 1 risk-based capital ratio | 14.8066% | 2,926 |
| Total risk-based capital ratio | 16.0576% | 2,867 |
| Memoranda: | ||
| Average total assets | $259,046,800 | 2,422 |
| Average earning assets | $245,675,400 | 2,374 |
| Average equity | $31,440,600 | 2,259 |
| Average total loans | $213,079,800 | 2,053 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 2,041 |
| Cost of funding earning assets | 0.3844% | 3,339 |
| Net interest margin | 3.9886% | 1,741 |
| Noninterest income to average assets | 0.1565% | 5,238 |
| Noninterest expense to average assets | 2.2995% | 4,300 |
| Loan and lease loss provision to assets | 0.3368% | 446 |
| Net operating income to assets | 1.3160% | 1,284 |
| Return on assets (ROA) | 1.3394% | 1,249 |
| Pretax return on assets | 1.3394% | 2,330 |
| Return on Equity (ROE) | 11.0080% | 1,695 |
| Retained earnings to average equity (ytd only) | 5.8340% | 2,355 |
| Net charge-offs to loans | 0.2087% | 1,028 |
| Credit loss provision to net charge-offs | 195.7831% | 1,365 |
| Earnings coverage of net charge-offs (x) | 9.6083% | 2,674 |
| Efficiency ratio | 56.3450% | 4,698 |
| Assets per employee ($millions) | 4.8474% | 2,630 |
| Cash dividends to net income (ytd only)* | 47.0020% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3107% | 2,312 |
| Loan loss allowance to noncurrent loans | 82.5534% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.7461% | 811 |
| Noncurrent loans to loans | 1.5876% | 1,164 |
| Net loans and leases to total assets | 83.7642% | 457 |
| Net loans and leases to deposits | 98.1322% | 902 |
| Net loans and leases to core deposits | 103.6249% | 1,416 |
| Total domestic deposits to total assets | 85.3585% | 2,576 |
| Equity capital to assets | 12.4735% | 1,671 |
| Core capital (leverage) ratio | 11.8209% | 1,803 |
| Tier 1 risk-based capital ratio | 14.7863% | 3,021 |
| Total risk-based capital ratio | 16.0380% | 2,951 |
| Memoranda: | ||
| Average total assets | $257,330,250 | 2,454 |
| Average earning assets | $244,890,250 | 2,399 |
| Average equity | $31,309,750 | 2,280 |
| Average total loans | $212,102,500 | 2,073 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,178 |
| Cost of funding earning assets | 0.3783% | 3,306 |
| Net interest margin | 3.9082% | 1,900 |
| Noninterest income to average assets | 0.1818% | 5,145 |
| Noninterest expense to average assets | 2.3467% | 4,221 |
| Loan and lease loss provision to assets | 0.2719% | 585 |
| Net operating income to assets | 1.2871% | 1,329 |
| Return on assets (ROA) | 1.2871% | 1,358 |
| Pretax return on assets | 1.2871% | 2,437 |
| Return on Equity (ROE) | 10.6682% | 1,773 |
| Retained earnings to average equity (ytd only) | 6.0648% | 2,077 |
| Net charge-offs to loans | 0.0638% | 2,018 |
| Credit loss provision to net charge-offs | 522.3881% | 643 |
| Earnings coverage of net charge-offs (x) | 29.9552% | 1,463 |
| Efficiency ratio | 58.2339% | 4,560 |
| Assets per employee ($millions) | 5.0230% | 2,361 |
| Cash dividends to net income (ytd only)* | 43.1503% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 2,387 |
| Loan loss allowance to noncurrent loans | 49.9028% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.6398% | 386 |
| Noncurrent loans to loans | 2.6148% | 546 |
| Net loans and leases to total assets | 81.7479% | 699 |
| Net loans and leases to deposits | 93.2374% | 1,338 |
| Net loans and leases to core deposits | 98.2040% | 1,787 |
| Total domestic deposits to total assets | 87.6771% | 1,629 |
| Equity capital to assets | 12.1181% | 1,852 |
| Core capital (leverage) ratio | 11.9232% | 1,679 |
| Tier 1 risk-based capital ratio | 14.4937% | 3,167 |
| Total risk-based capital ratio | 15.7447% | 3,087 |
| Memoranda: | ||
| Average total assets | $257,469,330 | 2,463 |
| Average earning assets | $245,331,330 | 2,407 |
| Average equity | $31,064,330 | 2,293 |
| Average total loans | $210,117,000 | 2,087 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 2,138 |
| Cost of funding earning assets | 0.3638% | 3,374 |
| Net interest margin | 3.8757% | 1,869 |
| Noninterest income to average assets | 0.2269% | 4,914 |
| Noninterest expense to average assets | 2.5993% | 3,509 |
| Loan and lease loss provision to assets | 0.3130% | 408 |
| Net operating income to assets | 1.0156% | 2,242 |
| Return on assets (ROA) | 1.0156% | 2,294 |
| Pretax return on assets | 1.0156% | 3,299 |
| Return on Equity (ROE) | 8.4367% | 2,702 |
| Retained earnings to average equity (ytd only) | 2.9119% | 3,960 |
| Net charge-offs to loans | 0.1778% | 940 |
| Credit loss provision to net charge-offs | 217.3913% | 959 |
| Earnings coverage of net charge-offs (x) | 9.2283% | 2,006 |
| Efficiency ratio | 64.3426% | 3,778 |
| Assets per employee ($millions) | 4.8059% | 2,689 |
| Cash dividends to net income (ytd only)* | 65.4854% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,647 |
| Loan loss allowance to noncurrent loans | 48.1455% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 2.6799% | 403 |
| Noncurrent loans to loans | 2.6530% | 573 |
| Net loans and leases to total assets | 80.3518% | 795 |
| Net loans and leases to deposits | 91.6416% | 1,363 |
| Net loans and leases to core deposits | 97.9118% | 1,665 |
| Total domestic deposits to total assets | 87.6805% | 1,898 |
| Equity capital to assets | 12.1396% | 1,745 |
| Core capital (leverage) ratio | 11.7413% | 1,796 |
| Tier 1 risk-based capital ratio | 14.6528% | 3,141 |
| Total risk-based capital ratio | 15.9037% | 3,066 |
| Memoranda: | ||
| Average total assets | $255,605,500 | 2,501 |
| Average earning assets | $244,083,000 | 2,445 |
| Average equity | $30,770,500 | 2,314 |
| Average total loans | $207,002,500 | 2,123 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 2,215 |
| Cost of funding earning assets | 0.3651% | 3,367 |
| Net interest margin | 3.9138% | 1,926 |
| Noninterest income to average assets | 0.2191% | 5,102 |
| Noninterest expense to average assets | 2.6925% | 3,364 |
| Loan and lease loss provision to assets | 0.3354% | 528 |
| Net operating income to assets | 0.9060% | 2,788 |
| Return on assets (ROA) | 0.9064% | 2,903 |
| Pretax return on assets | 0.9064% | 3,831 |
| Return on Equity (ROE) | 6.9935% | 3,469 |
| Retained earnings to average equity (ytd only) | -19.4451% | 5,855 |
| Net charge-offs to loans | 0.0947% | 2,349 |
| Credit loss provision to net charge-offs | 433.5260% | 736 |
| Earnings coverage of net charge-offs (x) | 16.0462% | 2,145 |
| Efficiency ratio | 67.2047% | 3,403 |
| Assets per employee ($millions) | 4.8396% | 2,589 |
| Cash dividends to net income (ytd only)* | 378.0464% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,948 |
| Loan loss allowance to noncurrent loans | 43.8612% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5938% | 449 |
| Noncurrent loans to loans | 2.8018% | 516 |
| Net loans and leases to total assets | 79.5914% | 955 |
| Net loans and leases to deposits | 90.5796% | 1,623 |
| Net loans and leases to core deposits | 96.3517% | 1,896 |
| Total domestic deposits to total assets | 87.8690% | 1,694 |
| Equity capital to assets | 11.9376% | 1,854 |
| Core capital (leverage) ratio | 12.0859% | 1,551 |
| Tier 1 risk-based capital ratio | 14.7756% | 3,059 |
| Total risk-based capital ratio | 16.0257% | 3,010 |
| Memoranda: | ||
| Average total assets | $223,624,000 | 2,728 |
| Average earning assets | $212,249,800 | 2,678 |
| Average equity | $28,984,200 | 2,451 |
| Average total loans | $182,638,600 | 2,287 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 2,435 |
| Cost of funding earning assets | 0.3748% | 3,285 |
| Net interest margin | 3.8514% | 2,155 |
| Noninterest income to average assets | 0.2451% | 5,006 |
| Noninterest expense to average assets | 2.6003% | 3,659 |
| Loan and lease loss provision to assets | 0.2785% | 623 |
| Net operating income to assets | 1.0176% | 2,350 |
| Return on assets (ROA) | 1.0182% | 2,478 |
| Pretax return on assets | 1.0182% | 3,564 |
| Return on Equity (ROE) | 7.6755% | 3,201 |
| Retained earnings to average equity (ytd only) | -26.7218% | 5,935 |
| Net charge-offs to loans | -0.0574% | 5,409 |
| Credit loss provision to net charge-offs | -592.1053% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7506% | 3,634 |
| Assets per employee ($millions) | 5.0522% | 2,306 |
| Cash dividends to net income (ytd only)* | 448.1457% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2398% | 3,016 |
| Loan loss allowance to noncurrent loans | 41.6639% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 3.0557% | 371 |
| Noncurrent loans to loans | 2.9758% | 505 |
| Net loans and leases to total assets | 78.4860% | 1,118 |
| Net loans and leases to deposits | 91.4625% | 1,569 |
| Net loans and leases to core deposits | 97.8859% | 1,824 |
| Total domestic deposits to total assets | 85.8122% | 2,448 |
| Equity capital to assets | 12.1245% | 2,021 |
| Core capital (leverage) ratio | 11.2322% | 2,250 |
| Tier 1 risk-based capital ratio | 14.9354% | 3,084 |
| Total risk-based capital ratio | 16.1855% | 3,006 |
| Memoranda: | ||
| Average total assets | $215,405,000 | 2,810 |
| Average earning assets | $204,217,250 | 2,761 |
| Average equity | $28,575,250 | 2,489 |
| Average total loans | $176,625,250 | 2,351 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0366% | 3,116 |
| Cost of funding earning assets | 0.3920% | 3,130 |
| Net interest margin | 3.6445% | 2,919 |
| Noninterest income to average assets | 0.2148% | 5,202 |
| Noninterest expense to average assets | 2.1281% | 4,998 |
| Loan and lease loss provision to assets | 0.1970% | 1,095 |
| Net operating income to assets | 1.3428% | 1,181 |
| Return on assets (ROA) | 1.3438% | 1,251 |
| Pretax return on assets | 1.3438% | 2,228 |
| Return on Equity (ROE) | 9.7809% | 2,145 |
| Retained earnings to average equity (ytd only) | -40.9953% | 6,026 |
| Net charge-offs to loans | -0.0605% | 5,444 |
| Credit loss provision to net charge-offs | -392.1569% | 4,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6148% | 4,957 |
| Assets per employee ($millions) | 4.9123% | 2,398 |
| Cash dividends to net income (ytd only)* | 519.1349% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,908 |
| Loan loss allowance to noncurrent loans | 31.4087% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.0097% | 405 |
| Noncurrent loans to loans | 3.5259% | 373 |
| Net loans and leases to total assets | 77.3974% | 1,272 |
| Net loans and leases to deposits | 90.0173% | 1,753 |
| Net loans and leases to core deposits | 95.7381% | 2,001 |
| Total domestic deposits to total assets | 85.9807% | 2,428 |
| Equity capital to assets | 11.9805% | 2,136 |
| Core capital (leverage) ratio | 11.5711% | 1,932 |
| Tier 1 risk-based capital ratio | 15.1466% | 3,008 |
| Total risk-based capital ratio | 16.2682% | 3,012 |
| Memoranda: | ||
| Average total assets | $203,002,670 | 2,953 |
| Average earning assets | $192,342,000 | 2,903 |
| Average equity | $27,891,000 | 2,543 |
| Average total loans | $168,582,330 | 2,431 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2705% | 2,238 |
| Cost of funding earning assets | 0.4453% | 2,635 |
| Net interest margin | 3.8252% | 2,201 |
| Noninterest income to average assets | 0.1878% | 5,381 |
| Noninterest expense to average assets | 2.3532% | 4,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5273% | 814 |
| Return on assets (ROA) | 1.5273% | 858 |
| Pretax return on assets | 1.5273% | 1,511 |
| Return on Equity (ROE) | 10.1752% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.7886% | 2,479 |
| Net charge-offs to loans | 0.1125% | 1,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.6977% | 1,650 |
| Efficiency ratio | 60.6414% | 4,660 |
| Assets per employee ($millions) | 5.5022% | 1,828 |
| Cash dividends to net income (ytd only)* | 43.1111% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 3,150 |
| Loan loss allowance to noncurrent loans | 50.1305% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.5183% | 586 |
| Noncurrent loans to loans | 2.5039% | 753 |
| Net loans and leases to total assets | 85.7846% | 235 |
| Net loans and leases to deposits | 104.7318% | 380 |
| Net loans and leases to core deposits | 113.3218% | 696 |
| Total domestic deposits to total assets | 81.9089% | 4,255 |
| Equity capital to assets | 15.1837% | 656 |
| Core capital (leverage) ratio | 15.0689% | 593 |
| Tier 1 risk-based capital ratio | 18.4877% | 1,855 |
| Total risk-based capital ratio | 19.7384% | 1,814 |
| Memoranda: | ||
| Average total assets | $176,784,000 | 3,235 |
| Average earning assets | $170,657,500 | 3,146 |
| Average equity | $26,535,000 | 2,626 |
| Average total loans | $152,914,500 | 2,607 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 1,769 |
| Cost of funding earning assets | 0.3899% | 3,268 |
| Net interest margin | 4.0507% | 1,555 |
| Noninterest income to average assets | 0.2568% | 5,059 |
| Noninterest expense to average assets | 2.2696% | 4,878 |
| Loan and lease loss provision to assets | 0.4756% | 248 |
| Net operating income to assets | 1.4088% | 1,025 |
| Return on assets (ROA) | 1.4082% | 1,068 |
| Pretax return on assets | 1.4082% | 1,867 |
| Return on Equity (ROE) | 9.1565% | 2,390 |
| Retained earnings to average equity (ytd only) | 4.1434% | 3,052 |
| Net charge-offs to loans | 0.5866% | 412 |
| Credit loss provision to net charge-offs | 94.2285% | 2,674 |
| Earnings coverage of net charge-offs (x) | 3.7338% | 3,671 |
| Efficiency ratio | 54.6365% | 5,479 |
| Assets per employee ($millions) | 5.5468% | 1,741 |
| Cash dividends to net income (ytd only)* | 54.7488% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,998 |
| Loan loss allowance to noncurrent loans | 51.4548% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 2.6783% | 549 |
| Noncurrent loans to loans | 2.4956% | 735 |
| Net loans and leases to total assets | 85.0179% | 308 |
| Net loans and leases to deposits | 103.3660% | 472 |
| Net loans and leases to core deposits | 114.2657% | 669 |
| Total domestic deposits to total assets | 82.2494% | 4,096 |
| Equity capital to assets | 14.8374% | 700 |
| Core capital (leverage) ratio | 15.5722% | 526 |
| Tier 1 risk-based capital ratio | 18.2167% | 1,902 |
| Total risk-based capital ratio | 19.4678% | 1,870 |
| Memoranda: | ||
| Average total assets | $168,225,200 | 3,331 |
| Average earning assets | $161,847,000 | 3,231 |
| Average equity | $25,872,200 | 2,627 |
| Average total loans | $144,726,400 | 2,672 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,625 |
| Cost of funding earning assets | 0.3976% | 3,249 |
| Net interest margin | 4.0900% | 1,434 |
| Noninterest income to average assets | 0.2660% | 5,031 |
| Noninterest expense to average assets | 2.2333% | 4,959 |
| Loan and lease loss provision to assets | 0.4822% | 216 |
| Net operating income to assets | 1.4851% | 942 |
| Return on assets (ROA) | 1.4843% | 976 |
| Pretax return on assets | 1.4843% | 1,723 |
| Return on Equity (ROE) | 9.5612% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.4674% | 3,284 |
| Net charge-offs to loans | 0.5728% | 398 |
| Credit loss provision to net charge-offs | 97.8793% | 2,337 |
| Earnings coverage of net charge-offs (x) | 3.9935% | 3,420 |
| Efficiency ratio | 53.1663% | 5,573 |
| Assets per employee ($millions) | 5.3329% | 1,927 |
| Cash dividends to net income (ytd only)* | 53.2756% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3521% | 2,837 |
| Loan loss allowance to noncurrent loans | 51.1777% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 2.9844% | 510 |
| Noncurrent loans to loans | 2.6419% | 741 |
| Net loans and leases to total assets | 85.4653% | 258 |
| Net loans and leases to deposits | 104.6675% | 421 |
| Net loans and leases to core deposits | 112.4735% | 733 |
| Total domestic deposits to total assets | 81.6541% | 4,273 |
| Equity capital to assets | 15.3211% | 677 |
| Core capital (leverage) ratio | 15.3837% | 578 |
| Tier 1 risk-based capital ratio | 18.4824% | 1,903 |
| Total risk-based capital ratio | 19.7342% | 1,867 |
| Memoranda: | ||
| Average total assets | $165,907,000 | 3,394 |
| Average earning assets | $159,603,500 | 3,292 |
| Average equity | $25,756,250 | 2,656 |
| Average total loans | $142,691,000 | 2,716 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 1,855 |
| Cost of funding earning assets | 0.4003% | 3,275 |
| Net interest margin | 3.9988% | 1,639 |
| Noninterest income to average assets | 0.2982% | 4,826 |
| Noninterest expense to average assets | 2.2407% | 5,008 |
| Loan and lease loss provision to assets | 0.3043% | 504 |
| Net operating income to assets | 1.5956% | 747 |
| Return on assets (ROA) | 1.5944% | 779 |
| Pretax return on assets | 1.5944% | 1,342 |
| Return on Equity (ROE) | 10.2239% | 1,966 |
| Retained earnings to average equity (ytd only) | 5.1666% | 2,754 |
| Net charge-offs to loans | 0.2852% | 924 |
| Credit loss provision to net charge-offs | 124.3781% | 1,758 |
| Earnings coverage of net charge-offs (x) | 7.7662% | 2,636 |
| Efficiency ratio | 54.1152% | 5,575 |
| Assets per employee ($millions) | 4.8626% | 2,449 |
| Cash dividends to net income (ytd only)* | 49.4656% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 2,599 |
| Loan loss allowance to noncurrent loans | 56.0054% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 2.9668% | 570 |
| Noncurrent loans to loans | 2.5581% | 864 |
| Net loans and leases to total assets | 85.7642% | 252 |
| Net loans and leases to deposits | 105.6406% | 387 |
| Net loans and leases to core deposits | 113.6152% | 685 |
| Total domestic deposits to total assets | 81.1849% | 4,554 |
| Equity capital to assets | 15.6929% | 569 |
| Core capital (leverage) ratio | 15.8985% | 483 |
| Tier 1 risk-based capital ratio | 18.7554% | 1,854 |
| Total risk-based capital ratio | 20.0081% | 1,824 |
| Memoranda: | ||
| Average total assets | $164,324,670 | 3,429 |
| Average earning assets | $157,895,670 | 3,335 |
| Average equity | $25,626,330 | 2,675 |
| Average total loans | $140,971,670 | 2,739 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 1,736 |
| Cost of funding earning assets | 0.4091% | 3,201 |
| Net interest margin | 3.9998% | 1,552 |
| Noninterest income to average assets | 0.2906% | 4,851 |
| Noninterest expense to average assets | 2.3220% | 4,821 |
| Loan and lease loss provision to assets | 0.1221% | 1,703 |
| Net operating income to assets | 1.6896% | 606 |
| Return on assets (ROA) | 1.6872% | 636 |
| Pretax return on assets | 1.6872% | 1,080 |
| Return on Equity (ROE) | 10.8533% | 1,672 |
| Retained earnings to average equity (ytd only) | 5.9371% | 2,536 |
| Net charge-offs to loans | -0.1691% | 6,010 |
| Credit loss provision to net charge-offs | -84.7458% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1725% | 5,503 |
| Assets per employee ($millions) | 5.1649% | 2,155 |
| Cash dividends to net income (ytd only)* | 45.2967% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5071% | 2,414 |
| Loan loss allowance to noncurrent loans | 48.5911% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 3.3937% | 500 |
| Noncurrent loans to loans | 3.1017% | 676 |
| Net loans and leases to total assets | 83.8652% | 318 |
| Net loans and leases to deposits | 101.5637% | 479 |
| Net loans and leases to core deposits | 109.9565% | 750 |
| Total domestic deposits to total assets | 82.5740% | 4,311 |
| Equity capital to assets | 15.5274% | 618 |
| Core capital (leverage) ratio | 15.2551% | 572 |
| Tier 1 risk-based capital ratio | 18.7105% | 1,940 |
| Total risk-based capital ratio | 19.9638% | 1,902 |
| Memoranda: | ||
| Average total assets | $163,822,000 | 3,454 |
| Average earning assets | $157,407,000 | 3,356 |
| Average equity | $25,467,000 | 2,703 |
| Average total loans | $139,530,000 | 2,760 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,743 |
| Cost of funding earning assets | 0.3980% | 3,708 |
| Net interest margin | 4.1379% | 1,468 |
| Noninterest income to average assets | 0.2255% | 5,513 |
| Noninterest expense to average assets | 2.3256% | 5,044 |
| Loan and lease loss provision to assets | 0.4943% | 311 |
| Net operating income to assets | 1.3704% | 1,138 |
| Return on assets (ROA) | 1.3704% | 1,183 |
| Pretax return on assets | 1.3692% | 2,006 |
| Return on Equity (ROE) | 8.9628% | 2,604 |
| Retained earnings to average equity (ytd only) | 4.9825% | 2,613 |
| Net charge-offs to loans | 0.3540% | 1,235 |
| Credit loss provision to net charge-offs | 168.4211% | 1,454 |
| Earnings coverage of net charge-offs (x) | 6.3495% | 3,219 |
| Efficiency ratio | 55.5162% | 5,713 |
| Assets per employee ($millions) | 4.9202% | 2,422 |
| Cash dividends to net income (ytd only)* | 44.4094% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 2,672 |
| Loan loss allowance to noncurrent loans | 45.9571% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.4724% | 537 |
| Noncurrent loans to loans | 3.1649% | 696 |
| Net loans and leases to total assets | 83.9562% | 345 |
| Net loans and leases to deposits | 101.7997% | 522 |
| Net loans and leases to core deposits | 110.3834% | 758 |
| Total domestic deposits to total assets | 82.4719% | 4,262 |
| Equity capital to assets | 15.5640% | 594 |
| Core capital (leverage) ratio | 15.6714% | 506 |
| Tier 1 risk-based capital ratio | 19.3445% | 1,761 |
| Total risk-based capital ratio | 20.5984% | 1,724 |
| Memoranda: | ||
| Average total assets | $161,852,200 | 3,465 |
| Average earning assets | $155,031,800 | 3,361 |
| Average equity | $24,746,600 | 2,691 |
| Average total loans | $134,189,400 | 2,788 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,692 |
| Cost of funding earning assets | 0.3982% | 3,807 |
| Net interest margin | 4.1554% | 1,412 |
| Noninterest income to average assets | 0.2531% | 5,407 |
| Noninterest expense to average assets | 2.2334% | 5,273 |
| Loan and lease loss provision to assets | 0.3916% | 439 |
| Net operating income to assets | 1.6134% | 731 |
| Return on assets (ROA) | 1.6134% | 761 |
| Pretax return on assets | 1.6118% | 1,294 |
| Return on Equity (ROE) | 10.6001% | 1,948 |
| Retained earnings to average equity (ytd only) | 6.9602% | 1,838 |
| Net charge-offs to loans | 0.2093% | 1,798 |
| Credit loss provision to net charge-offs | 227.2727% | 1,144 |
| Earnings coverage of net charge-offs (x) | 11.6268% | 2,403 |
| Efficiency ratio | 52.7145% | 5,944 |
| Assets per employee ($millions) | 5.1985% | 2,019 |
| Cash dividends to net income (ytd only)* | 34.3383% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 3,089 |
| Loan loss allowance to noncurrent loans | 51.9968% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 2.9676% | 799 |
| Noncurrent loans to loans | 2.7267% | 1,039 |
| Net loans and leases to total assets | 79.1594% | 817 |
| Net loans and leases to deposits | 94.9484% | 966 |
| Net loans and leases to core deposits | 102.4775% | 1,189 |
| Total domestic deposits to total assets | 83.3710% | 4,009 |
| Equity capital to assets | 14.7625% | 784 |
| Core capital (leverage) ratio | 15.7141% | 515 |
| Tier 1 risk-based capital ratio | 19.5781% | 1,762 |
| Total risk-based capital ratio | 20.8313% | 1,734 |
| Memoranda: | ||
| Average total assets | $161,723,250 | 3,497 |
| Average earning assets | $155,038,750 | 3,381 |
| Average equity | $24,615,500 | 2,709 |
| Average total loans | $133,154,250 | 2,817 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,386 |
| Cost of funding earning assets | 0.4102% | 3,770 |
| Net interest margin | 3.9389% | 2,016 |
| Noninterest income to average assets | 0.2537% | 5,378 |
| Noninterest expense to average assets | 2.3150% | 5,120 |
| Loan and lease loss provision to assets | 0.4102% | 407 |
| Net operating income to assets | 1.3001% | 1,311 |
| Return on assets (ROA) | 1.3001% | 1,355 |
| Pretax return on assets | 1.2976% | 2,258 |
| Return on Equity (ROE) | 8.4499% | 2,864 |
| Retained earnings to average equity (ytd only) | 4.7746% | 3,105 |
| Net charge-offs to loans | 0.2948% | 1,365 |
| Credit loss provision to net charge-offs | 167.5258% | 1,343 |
| Earnings coverage of net charge-offs (x) | 6.9742% | 2,695 |
| Efficiency ratio | 57.5463% | 5,605 |
| Assets per employee ($millions) | 4.9219% | 2,313 |
| Cash dividends to net income (ytd only)* | 43.4951% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 3,462 |
| Loan loss allowance to noncurrent loans | 48.5836% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 3.3371% | 725 |
| Noncurrent loans to loans | 2.8346% | 1,058 |
| Net loans and leases to total assets | 82.6618% | 404 |
| Net loans and leases to deposits | 100.3824% | 540 |
| Net loans and leases to core deposits | 107.4731% | 795 |
| Total domestic deposits to total assets | 82.3469% | 4,523 |
| Equity capital to assets | 15.6303% | 601 |
| Core capital (leverage) ratio | 15.7559% | 512 |
| Tier 1 risk-based capital ratio | 19.6331% | 1,776 |
| Total risk-based capital ratio | 20.8859% | 1,744 |
| Memoranda: | ||
| Average total assets | $158,447,670 | 3,558 |
| Average earning assets | $151,617,330 | 3,453 |
| Average equity | $24,379,000 | 2,723 |
| Average total loans | $131,622,000 | 2,844 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,309 |
| Cost of funding earning assets | 0.4131% | 3,832 |
| Net interest margin | 3.9416% | 1,949 |
| Noninterest income to average assets | 0.1837% | 5,861 |
| Noninterest expense to average assets | 2.2426% | 5,346 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7166% | 557 |
| Return on assets (ROA) | 1.7166% | 577 |
| Pretax return on assets | 1.7115% | 954 |
| Return on Equity (ROE) | 11.2451% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.5517% | 1,791 |
| Net charge-offs to loans | 0.7213% | 484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.8692% | 2,783 |
| Efficiency ratio | 56.7155% | 5,778 |
| Assets per employee ($millions) | 4.9744% | 2,283 |
| Cash dividends to net income (ytd only)* | 32.8446% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,084 |
| Loan loss allowance to noncurrent loans | 36.3500% | 5,686 |
| Noncurrent assets plus other real estate owned to assets | 3.2787% | 816 |
| Noncurrent loans to loans | 3.0498% | 1,033 |
| Net loans and leases to total assets | 81.2583% | 426 |
| Net loans and leases to deposits | 98.3523% | 518 |
| Net loans and leases to core deposits | 108.3698% | 660 |
| Total domestic deposits to total assets | 82.6197% | 4,743 |
| Equity capital to assets | 15.3876% | 621 |
| Core capital (leverage) ratio | 15.5263% | 537 |
| Tier 1 risk-based capital ratio | 19.7035% | 1,789 |
| Total risk-based capital ratio | 20.8706% | 1,782 |
| Memoranda: | ||
| Average total assets | $158,920,500 | 3,575 |
| Average earning assets | $152,019,000 | 3,472 |
| Average equity | $24,259,500 | 2,725 |
| Average total loans | $131,427,000 | 2,856 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,646 |
| Cost of funding earning assets | 0.4333% | 4,284 |
| Net interest margin | 4.2397% | 1,252 |
| Noninterest income to average assets | 0.3812% | 4,583 |
| Noninterest expense to average assets | 2.4262% | 5,002 |
| Loan and lease loss provision to assets | 0.5222% | 532 |
| Net operating income to assets | 1.4504% | 912 |
| Return on assets (ROA) | 1.4504% | 954 |
| Pretax return on assets | 1.4504% | 1,614 |
| Return on Equity (ROE) | 9.4865% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.2579% | 1,334 |
| Net charge-offs to loans | 0.5072% | 1,310 |
| Credit loss provision to net charge-offs | 126.1830% | 1,875 |
| Earnings coverage of net charge-offs (x) | 4.7666% | 3,466 |
| Efficiency ratio | 55.1566% | 6,034 |
| Assets per employee ($millions) | 4.9582% | 2,231 |
| Cash dividends to net income (ytd only)* | 23.4923% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 4,258 |
| Loan loss allowance to noncurrent loans | 45.4962% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 3.1602% | 974 |
| Noncurrent loans to loans | 2.8079% | 1,257 |
| Net loans and leases to total assets | 82.1689% | 405 |
| Net loans and leases to deposits | 99.2033% | 518 |
| Net loans and leases to core deposits | 109.0324% | 649 |
| Total domestic deposits to total assets | 82.8288% | 4,600 |
| Equity capital to assets | 15.1423% | 649 |
| Core capital (leverage) ratio | 15.2659% | 573 |
| Tier 1 risk-based capital ratio | 19.2890% | 1,838 |
| Total risk-based capital ratio | 20.5401% | 1,802 |
| Memoranda: | ||
| Average total assets | $153,202,600 | 3,653 |
| Average earning assets | $145,177,000 | 3,583 |
| Average equity | $23,422,800 | 2,780 |
| Average total loans | $125,005,800 | 2,938 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 1,601 |
| Cost of funding earning assets | 0.4359% | 4,440 |
| Net interest margin | 4.2625% | 1,182 |
| Noninterest income to average assets | 0.3468% | 4,914 |
| Noninterest expense to average assets | 2.2365% | 5,514 |
| Loan and lease loss provision to assets | 0.3512% | 912 |
| Net operating income to assets | 1.7949% | 530 |
| Return on assets (ROA) | 1.7949% | 552 |
| Pretax return on assets | 1.7949% | 919 |
| Return on Equity (ROE) | 11.7104% | 1,580 |
| Retained earnings to average equity (ytd only) | 10.0260% | 782 |
| Net charge-offs to loans | 0.2834% | 2,124 |
| Credit loss provision to net charge-offs | 152.6718% | 1,543 |
| Earnings coverage of net charge-offs (x) | 9.3284% | 2,496 |
| Efficiency ratio | 51.0319% | 6,328 |
| Assets per employee ($millions) | 4.7102% | 2,558 |
| Cash dividends to net income (ytd only)* | 14.3835% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 4,483 |
| Loan loss allowance to noncurrent loans | 61.4217% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 3.1096% | 1,178 |
| Noncurrent loans to loans | 2.0885% | 2,144 |
| Net loans and leases to total assets | 84.7021% | 205 |
| Net loans and leases to deposits | 100.9441% | 431 |
| Net loans and leases to core deposits | 111.3739% | 524 |
| Total domestic deposits to total assets | 83.9100% | 4,227 |
| Equity capital to assets | 15.9805% | 556 |
| Core capital (leverage) ratio | 15.8795% | 509 |
| Tier 1 risk-based capital ratio | 19.5823% | 1,844 |
| Total risk-based capital ratio | 20.8335% | 1,807 |
| Memoranda: | ||
| Average total assets | $151,838,000 | 3,707 |
| Average earning assets | $143,760,500 | 3,640 |
| Average equity | $23,272,250 | 2,816 |
| Average total loans | $123,243,000 | 2,992 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 1,650 |
| Cost of funding earning assets | 0.4345% | 4,614 |
| Net interest margin | 4.2352% | 1,188 |
| Noninterest income to average assets | 0.4415% | 4,234 |
| Noninterest expense to average assets | 2.2312% | 5,551 |
| Loan and lease loss provision to assets | 0.3942% | 799 |
| Net operating income to assets | 1.8251% | 488 |
| Return on assets (ROA) | 1.8251% | 523 |
| Pretax return on assets | 1.8251% | 882 |
| Return on Equity (ROE) | 12.0779% | 1,469 |
| Retained earnings to average equity (ytd only) | 10.9127% | 658 |
| Net charge-offs to loans | 0.1254% | 3,121 |
| Credit loss provision to net charge-offs | 394.7368% | 664 |
| Earnings coverage of net charge-offs (x) | 22.2237% | 1,378 |
| Efficiency ratio | 50.1329% | 6,421 |
| Assets per employee ($millions) | 4.6483% | 2,583 |
| Cash dividends to net income (ytd only)* | 9.6472% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,084 |
| Loan loss allowance to noncurrent loans | 74.1291% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.9186% | 1,400 |
| Noncurrent loans to loans | 1.8754% | 2,524 |
| Net loans and leases to total assets | 80.6914% | 472 |
| Net loans and leases to deposits | 95.4966% | 705 |
| Net loans and leases to core deposits | 111.4879% | 503 |
| Total domestic deposits to total assets | 84.4967% | 4,127 |
| Equity capital to assets | 15.3925% | 637 |
| Core capital (leverage) ratio | 15.8483% | 484 |
| Tier 1 risk-based capital ratio | 19.7371% | 1,786 |
| Total risk-based capital ratio | 20.9895% | 1,762 |
| Memoranda: | ||
| Average total assets | $152,208,330 | 3,728 |
| Average earning assets | $144,079,670 | 3,661 |
| Average equity | $23,000,670 | 2,866 |
| Average total loans | $121,214,670 | 3,048 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6789% | 1,596 |
| Cost of funding earning assets | 0.4421% | 4,682 |
| Net interest margin | 4.2367% | 1,106 |
| Noninterest income to average assets | -0.2163% | 6,953 |
| Noninterest expense to average assets | 2.2029% | 5,684 |
| Loan and lease loss provision to assets | 0.2638% | 1,346 |
| Net operating income to assets | 1.3112% | 1,253 |
| Return on assets (ROA) | 1.3112% | 1,356 |
| Pretax return on assets | 1.3112% | 2,193 |
| Return on Equity (ROE) | 8.7594% | 2,600 |
| Retained earnings to average equity (ytd only) | 8.7594% | 1,464 |
| Net charge-offs to loans | 0.0571% | 3,254 |
| Credit loss provision to net charge-offs | 588.2353% | 464 |
| Earnings coverage of net charge-offs (x) | 35.1176% | 878 |
| Efficiency ratio | 58.3101% | 5,810 |
| Assets per employee ($millions) | 4.5668% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,579 |
| Loan loss allowance to noncurrent loans | 65.8456% | 4,496 |
| Noncurrent assets plus other real estate owned to assets | 3.3311% | 1,311 |
| Noncurrent loans to loans | 2.0111% | 2,605 |
| Net loans and leases to total assets | 81.7884% | 291 |
| Net loans and leases to deposits | 97.1266% | 482 |
| Net loans and leases to core deposits | 106.1435% | 635 |
| Total domestic deposits to total assets | 84.2081% | 4,393 |
| Equity capital to assets | 15.6886% | 609 |
| Core capital (leverage) ratio | 14.9556% | 600 |
| Tier 1 risk-based capital ratio | 19.6073% | 1,880 |
| Total risk-based capital ratio | 20.8593% | 1,857 |
| Memoranda: | ||
| Average total assets | $151,616,000 | 3,778 |
| Average earning assets | $142,941,000 | 3,714 |
| Average equity | $22,695,500 | 2,959 |
| Average total loans | $119,062,000 | 3,105 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 1,722 |
| Cost of funding earning assets | 0.5683% | 4,657 |
| Net interest margin | 4.3695% | 1,231 |
| Noninterest income to average assets | 0.0645% | 6,642 |
| Noninterest expense to average assets | 2.6491% | 4,573 |
| Loan and lease loss provision to assets | 0.1630% | 3,578 |
| Net operating income to assets | 1.3519% | 1,192 |
| Return on assets (ROA) | 1.3519% | 1,314 |
| Pretax return on assets | 1.3519% | 2,200 |
| Return on Equity (ROE) | 9.5580% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.8299% | 1,185 |
| Net charge-offs to loans | 0.9045% | 1,256 |
| Credit loss provision to net charge-offs | 22.8938% | 5,244 |
| Earnings coverage of net charge-offs (x) | 2.1282% | 4,350 |
| Efficiency ratio | 63.6193% | 4,955 |
| Assets per employee ($millions) | 4.7604% | 2,563 |
| Cash dividends to net income (ytd only)* | 18.0810% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,634 |
| Loan loss allowance to noncurrent loans | 61.8293% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 3.3967% | 1,350 |
| Noncurrent loans to loans | 2.1026% | 2,578 |
| Net loans and leases to total assets | 73.5069% | 1,260 |
| Net loans and leases to deposits | 86.0245% | 1,511 |
| Net loans and leases to core deposits | 90.0165% | 1,829 |
| Total domestic deposits to total assets | 85.4488% | 3,638 |
| Equity capital to assets | 14.2997% | 938 |
| Core capital (leverage) ratio | 14.6099% | 651 |
| Tier 1 risk-based capital ratio | 19.8952% | 1,705 |
| Total risk-based capital ratio | 21.1466% | 1,676 |
| Memoranda: | ||
| Average total assets | $153,410,200 | 3,721 |
| Average earning assets | $143,931,000 | 3,664 |
| Average equity | $21,699,000 | 3,011 |
| Average total loans | $120,735,800 | 3,054 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 1,592 |
| Cost of funding earning assets | 0.6035% | 4,610 |
| Net interest margin | 4.4322% | 1,131 |
| Noninterest income to average assets | 0.0726% | 6,726 |
| Noninterest expense to average assets | 2.5409% | 4,955 |
| Loan and lease loss provision to assets | 0.0874% | 4,515 |
| Net operating income to assets | 1.5992% | 846 |
| Return on assets (ROA) | 1.5992% | 946 |
| Pretax return on assets | 1.5992% | 1,578 |
| Return on Equity (ROE) | 11.3383% | 1,840 |
| Retained earnings to average equity (ytd only) | 9.0136% | 1,224 |
| Net charge-offs to loans | 0.5183% | 2,054 |
| Credit loss provision to net charge-offs | 21.1416% | 4,936 |
| Earnings coverage of net charge-offs (x) | 4.0782% | 3,411 |
| Efficiency ratio | 60.1034% | 5,476 |
| Assets per employee ($millions) | 4.6331% | 2,696 |
| Cash dividends to net income (ytd only)* | 20.5031% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6423% | 3,365 |
| Loan loss allowance to noncurrent loans | 104.6817% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 3.2624% | 1,563 |
| Noncurrent loans to loans | 1.5689% | 3,437 |
| Net loans and leases to total assets | 77.9511% | 737 |
| Net loans and leases to deposits | 91.5453% | 1,015 |
| Net loans and leases to core deposits | 95.1568% | 1,473 |
| Total domestic deposits to total assets | 85.1503% | 3,686 |
| Equity capital to assets | 14.5521% | 954 |
| Core capital (leverage) ratio | 14.5448% | 697 |
| Tier 1 risk-based capital ratio | 19.1469% | 1,965 |
| Total risk-based capital ratio | 20.4028% | 1,936 |
| Memoranda: | ||
| Average total assets | $152,489,250 | 3,781 |
| Average earning assets | $142,949,750 | 3,718 |
| Average equity | $21,507,750 | 3,061 |
| Average total loans | $121,670,750 | 3,081 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0435% | 1,681 |
| Cost of funding earning assets | 0.6329% | 4,599 |
| Net interest margin | 4.4106% | 1,173 |
| Noninterest income to average assets | 0.0617% | 6,818 |
| Noninterest expense to average assets | 2.6570% | 4,582 |
| Loan and lease loss provision to assets | 0.1313% | 3,886 |
| Net operating income to assets | 1.3994% | 1,196 |
| Return on assets (ROA) | 1.3994% | 1,335 |
| Pretax return on assets | 1.3994% | 2,197 |
| Return on Equity (ROE) | 10.0279% | 2,332 |
| Retained earnings to average equity (ytd only) | 10.0279% | 963 |
| Net charge-offs to loans | 0.4843% | 2,137 |
| Credit loss provision to net charge-offs | 33.8983% | 4,381 |
| Earnings coverage of net charge-offs (x) | 3.9525% | 3,223 |
| Efficiency ratio | 63.4483% | 4,995 |
| Assets per employee ($millions) | 4.4546% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7776% | 2,933 |
| Loan loss allowance to noncurrent loans | 105.7045% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 3.5839% | 1,474 |
| Noncurrent loans to loans | 1.6816% | 3,375 |
| Net loans and leases to total assets | 79.0964% | 607 |
| Net loans and leases to deposits | 92.6834% | 872 |
| Net loans and leases to core deposits | 98.4978% | 1,221 |
| Total domestic deposits to total assets | 85.3404% | 3,690 |
| Equity capital to assets | 14.4219% | 943 |
| Core capital (leverage) ratio | 14.5231% | 690 |
| Tier 1 risk-based capital ratio | 18.2870% | 2,201 |
| Total risk-based capital ratio | 19.5442% | 2,163 |
| Memoranda: | ||
| Average total assets | $152,355,000 | 3,797 |
| Average earning assets | $142,520,000 | 3,744 |
| Average equity | $21,260,670 | 3,084 |
| Average total loans | $121,837,330 | 3,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 1,601 |
| Cost of funding earning assets | 0.6796% | 4,470 |
| Net interest margin | 4.4116% | 1,201 |
| Noninterest income to average assets | 0.1754% | 6,325 |
| Noninterest expense to average assets | 2.8245% | 3,928 |
| Loan and lease loss provision to assets | 0.2618% | 2,363 |
| Net operating income to assets | 1.2015% | 1,729 |
| Return on assets (ROA) | 1.2015% | 1,913 |
| Pretax return on assets | 1.2015% | 2,908 |
| Return on Equity (ROE) | 8.7556% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.7556% | 1,681 |
| Net charge-offs to loans | 0.8540% | 1,202 |
| Credit loss provision to net charge-offs | 38.4615% | 3,467 |
| Earnings coverage of net charge-offs (x) | 2.1500% | 3,296 |
| Efficiency ratio | 65.8730% | 4,576 |
| Assets per employee ($millions) | 4.5131% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8253% | 2,905 |
| Loan loss allowance to noncurrent loans | 86.5959% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 3.9304% | 1,413 |
| Noncurrent loans to loans | 2.1079% | 3,019 |
| Net loans and leases to total assets | 77.2180% | 673 |
| Net loans and leases to deposits | 89.8508% | 980 |
| Net loans and leases to core deposits | 93.7390% | 1,489 |
| Total domestic deposits to total assets | 85.9403% | 3,561 |
| Equity capital to assets | 13.8361% | 1,078 |
| Core capital (leverage) ratio | 13.5418% | 932 |
| Tier 1 risk-based capital ratio | 17.9296% | 2,320 |
| Total risk-based capital ratio | 19.1876% | 2,287 |
| Memoranda: | ||
| Average total assets | $152,804,000 | 3,826 |
| Average earning assets | $142,441,500 | 3,775 |
| Average equity | $20,969,500 | 3,111 |
| Average total loans | $121,773,500 | 3,112 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9107% | 3,305 |
| Cost of funding earning assets | 0.9871% | 3,469 |
| Net interest margin | 3.9236% | 3,232 |
| Noninterest income to average assets | 0.0447% | 6,856 |
| Noninterest expense to average assets | 2.6084% | 5,064 |
| Loan and lease loss provision to assets | 0.5745% | 1,806 |
| Net operating income to assets | 0.5500% | 4,234 |
| Return on assets (ROA) | 0.5500% | 4,417 |
| Pretax return on assets | 0.5500% | 4,835 |
| Return on Equity (ROE) | 4.4529% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.4529% | 3,006 |
| Net charge-offs to loans | 1.3314% | 1,239 |
| Credit loss provision to net charge-offs | 57.7942% | 5,231 |
| Earnings coverage of net charge-offs (x) | 1.1312% | 4,940 |
| Efficiency ratio | 69.8769% | 3,986 |
| Assets per employee ($millions) | 4.4754% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9234% | 2,496 |
| Loan loss allowance to noncurrent loans | 111.7258% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 3.7519% | 1,551 |
| Noncurrent loans to loans | 1.7215% | 3,579 |
| Net loans and leases to total assets | 79.1873% | 581 |
| Net loans and leases to deposits | 92.0370% | 967 |
| Net loans and leases to core deposits | 97.1647% | 1,400 |
| Total domestic deposits to total assets | 86.0386% | 3,303 |
| Equity capital to assets | 13.6092% | 1,217 |
| Core capital (leverage) ratio | 13.1387% | 1,091 |
| Tier 1 risk-based capital ratio | 17.3408% | 2,447 |
| Total risk-based capital ratio | 18.5997% | 2,409 |
| Memoranda: | ||
| Average total assets | $163,277,200 | 3,584 |
| Average earning assets | $153,482,600 | 3,520 |
| Average equity | $20,166,600 | 3,110 |
| Average total loans | $121,903,800 | 3,138 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 3,938 |
| Cost of funding earning assets | 1.0441% | 3,361 |
| Net interest margin | 3.7766% | 3,984 |
| Noninterest income to average assets | -0.0514% | 7,164 |
| Noninterest expense to average assets | 2.4915% | 5,495 |
| Loan and lease loss provision to assets | 0.4922% | 2,017 |
| Net operating income to assets | 0.5283% | 4,412 |
| Return on assets (ROA) | 0.5283% | 4,602 |
| Pretax return on assets | 0.5283% | 5,046 |
| Return on Equity (ROE) | 4.3797% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.3797% | 3,609 |
| Net charge-offs to loans | 0.9534% | 1,689 |
| Credit loss provision to net charge-offs | 70.4598% | 4,471 |
| Earnings coverage of net charge-offs (x) | 1.4609% | 4,537 |
| Efficiency ratio | 70.9419% | 3,750 |
| Assets per employee ($millions) | 4.7492% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 1,600 |
| Loan loss allowance to noncurrent loans | 74.8257% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 4.2849% | 1,419 |
| Noncurrent loans to loans | 3.1562% | 2,202 |
| Net loans and leases to total assets | 71.4602% | 1,824 |
| Net loans and leases to deposits | 82.2556% | 2,309 |
| Net loans and leases to core deposits | 89.7075% | 2,293 |
| Total domestic deposits to total assets | 86.8758% | 2,728 |
| Equity capital to assets | 12.6894% | 1,793 |
| Core capital (leverage) ratio | 11.1772% | 2,258 |
| Tier 1 risk-based capital ratio | 17.5351% | 2,428 |
| Total risk-based capital ratio | 18.7990% | 2,398 |
| Memoranda: | ||
| Average total assets | $166,056,000 | 3,574 |
| Average earning assets | $156,681,500 | 3,488 |
| Average equity | $20,031,250 | 3,138 |
| Average total loans | $121,665,750 | 3,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7613% | 4,245 |
| Cost of funding earning assets | 1.0929% | 3,296 |
| Net interest margin | 3.6684% | 4,421 |
| Noninterest income to average assets | -0.1361% | 7,308 |
| Noninterest expense to average assets | 2.5074% | 5,506 |
| Loan and lease loss provision to assets | 0.6540% | 1,474 |
| Net operating income to assets | 0.1635% | 5,847 |
| Return on assets (ROA) | 0.1635% | 5,943 |
| Pretax return on assets | 0.1635% | 5,995 |
| Return on Equity (ROE) | 1.3784% | 5,990 |
| Retained earnings to average equity (ytd only) | 1.3784% | 5,305 |
| Net charge-offs to loans | 1.2619% | 1,234 |
| Credit loss provision to net charge-offs | 70.7097% | 4,044 |
| Earnings coverage of net charge-offs (x) | 0.8839% | 4,633 |
| Efficiency ratio | 75.4128% | 3,116 |
| Assets per employee ($millions) | 5.8352% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3867% | 1,614 |
| Loan loss allowance to noncurrent loans | 58.2009% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 3.9492% | 1,632 |
| Noncurrent loans to loans | 4.1008% | 1,677 |
| Net loans and leases to total assets | 58.1539% | 4,593 |
| Net loans and leases to deposits | 64.9305% | 5,162 |
| Net loans and leases to core deposits | 79.0771% | 3,918 |
| Total domestic deposits to total assets | 89.5633% | 1,210 |
| Equity capital to assets | 10.0773% | 4,047 |
| Core capital (leverage) ratio | 13.3944% | 1,029 |
| Tier 1 risk-based capital ratio | 16.0829% | 2,937 |
| Total risk-based capital ratio | 17.3454% | 2,897 |
| Memoranda: | ||
| Average total assets | $167,583,670 | 3,577 |
| Average earning assets | $158,107,330 | 3,476 |
| Average equity | $19,878,330 | 3,147 |
| Average total loans | $122,827,670 | 3,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2861% | 1,913 |
| Cost of funding earning assets | 1.2395% | 2,573 |
| Net interest margin | 4.0466% | 2,483 |
| Noninterest income to average assets | -0.1498% | 7,405 |
| Noninterest expense to average assets | 2.6574% | 5,006 |
| Loan and lease loss provision to assets | 0.8543% | 964 |
| Net operating income to assets | 0.1314% | 6,003 |
| Return on assets (ROA) | 0.1314% | 6,058 |
| Pretax return on assets | 0.1314% | 6,099 |
| Return on Equity (ROE) | 1.0090% | 6,130 |
| Retained earnings to average equity (ytd only) | 1.0090% | 5,425 |
| Net charge-offs to loans | 2.0840% | 603 |
| Credit loss provision to net charge-offs | 49.8466% | 3,759 |
| Earnings coverage of net charge-offs (x) | 0.5752% | 4,191 |
| Efficiency ratio | 72.9437% | 3,695 |
| Assets per employee ($millions) | 4.3404% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1859% | 1,996 |
| Loan loss allowance to noncurrent loans | 53.8279% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 6.4104% | 876 |
| Noncurrent loans to loans | 4.0610% | 1,779 |
| Net loans and leases to total assets | 82.5062% | 307 |
| Net loans and leases to deposits | 95.8475% | 701 |
| Net loans and leases to core deposits | 146.9099% | 166 |
| Total domestic deposits to total assets | 86.0807% | 3,482 |
| Equity capital to assets | 13.4470% | 1,207 |
| Core capital (leverage) ratio | 13.1111% | 1,090 |
| Tier 1 risk-based capital ratio | 16.7048% | 2,585 |
| Total risk-based capital ratio | 17.9678% | 2,553 |
| Memoranda: | ||
| Average total assets | $152,177,500 | 3,842 |
| Average earning assets | $142,639,000 | 3,779 |
| Average equity | $19,821,000 | 3,143 |
| Average total loans | $125,143,500 | 3,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 2,084 |
| Cost of funding earning assets | 1.7177% | 1,516 |
| Net interest margin | 3.8318% | 3,811 |
| Noninterest income to average assets | -0.1600% | 7,448 |
| Noninterest expense to average assets | 2.6963% | 5,003 |
| Loan and lease loss provision to assets | 1.7557% | 797 |
| Net operating income to assets | -1.0612% | 6,719 |
| Return on assets (ROA) | -1.0573% | 6,749 |
| Pretax return on assets | -1.0573% | 6,672 |
| Return on Equity (ROE) | -8.0045% | 6,623 |
| Retained earnings to average equity (ytd only) | -8.0045% | 6,537 |
| Net charge-offs to loans | 1.7850% | 1,185 |
| Credit loss provision to net charge-offs | 117.3668% | 3,644 |
| Earnings coverage of net charge-offs (x) | 0.4643% | 5,649 |
| Efficiency ratio | 79.5185% | 2,477 |
| Assets per employee ($millions) | 4.7510% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4227% | 1,520 |
| Loan loss allowance to noncurrent loans | 72.1762% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 5.3692% | 1,157 |
| Noncurrent loans to loans | 3.3566% | 2,266 |
| Net loans and leases to total assets | 78.3006% | 897 |
| Net loans and leases to deposits | 90.2191% | 1,494 |
| Net loans and leases to core deposits | 142.7034% | 208 |
| Total domestic deposits to total assets | 86.7894% | 2,934 |
| Equity capital to assets | 12.6276% | 1,561 |
| Core capital (leverage) ratio | 12.9002% | 1,162 |
| Tier 1 risk-based capital ratio | 16.4286% | 2,552 |
| Total risk-based capital ratio | 17.6947% | 2,517 |
| Memoranda: | ||
| Average total assets | $154,357,200 | 3,804 |
| Average earning assets | $143,038,000 | 3,759 |
| Average equity | $20,388,600 | 3,093 |
| Average total loans | $129,356,800 | 3,133 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6333% | 1,933 |
| Cost of funding earning assets | 1.8192% | 1,346 |
| Net interest margin | 3.8140% | 3,912 |
| Noninterest income to average assets | -0.2073% | 7,597 |
| Noninterest expense to average assets | 2.6518% | 5,107 |
| Loan and lease loss provision to assets | 2.1159% | 540 |
| Net operating income to assets | -1.4517% | 7,097 |
| Return on assets (ROA) | -1.4465% | 7,112 |
| Pretax return on assets | -1.4465% | 7,034 |
| Return on Equity (ROE) | -10.8293% | 6,962 |
| Retained earnings to average equity (ytd only) | -10.8293% | 6,918 |
| Net charge-offs to loans | 1.8857% | 1,015 |
| Credit loss provision to net charge-offs | 132.4647% | 3,049 |
| Earnings coverage of net charge-offs (x) | 0.4159% | 5,603 |
| Efficiency ratio | 79.9686% | 2,342 |
| Assets per employee ($millions) | 4.4910% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5032% | 1,321 |
| Loan loss allowance to noncurrent loans | 59.1290% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 5.7455% | 1,055 |
| Noncurrent loans to loans | 4.2335% | 1,721 |
| Net loans and leases to total assets | 82.7733% | 426 |
| Net loans and leases to deposits | 95.5632% | 1,038 |
| Net loans and leases to core deposits | 125.3884% | 465 |
| Total domestic deposits to total assets | 86.6163% | 2,744 |
| Equity capital to assets | 12.9724% | 1,589 |
| Core capital (leverage) ratio | 13.0138% | 1,222 |
| Tier 1 risk-based capital ratio | 16.2081% | 2,666 |
| Total risk-based capital ratio | 17.4760% | 2,612 |
| Memoranda: | ||
| Average total assets | $153,750,750 | 3,861 |
| Average earning assets | $142,033,750 | 3,833 |
| Average equity | $20,536,250 | 3,116 |
| Average total loans | $130,243,500 | 3,163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 2,048 |
| Cost of funding earning assets | 1.9144% | 1,187 |
| Net interest margin | 3.7096% | 4,316 |
| Noninterest income to average assets | -0.4231% | 7,737 |
| Noninterest expense to average assets | 2.7151% | 4,848 |
| Loan and lease loss provision to assets | 2.6476% | 410 |
| Net operating income to assets | -2.3530% | 7,386 |
| Return on assets (ROA) | -2.3530% | 7,401 |
| Pretax return on assets | -2.3530% | 7,334 |
| Return on Equity (ROE) | -17.4503% | 7,215 |
| Retained earnings to average equity (ytd only) | -17.4503% | 7,183 |
| Net charge-offs to loans | 2.5681% | 659 |
| Credit loss provision to net charge-offs | 121.7910% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.1355% | 5,586 |
| Efficiency ratio | 90.2113% | 1,316 |
| Assets per employee ($millions) | 4.4277% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3103% | 1,565 |
| Loan loss allowance to noncurrent loans | 49.0234% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 5.9372% | 998 |
| Noncurrent loans to loans | 4.7126% | 1,508 |
| Net loans and leases to total assets | 84.6011% | 312 |
| Net loans and leases to deposits | 97.7962% | 893 |
| Net loans and leases to core deposits | 131.8519% | 390 |
| Total domestic deposits to total assets | 86.5075% | 2,813 |
| Equity capital to assets | 13.0554% | 1,550 |
| Core capital (leverage) ratio | 12.7408% | 1,311 |
| Tier 1 risk-based capital ratio | 16.1222% | 2,619 |
| Total risk-based capital ratio | 17.3877% | 2,574 |
| Memoranda: | ||
| Average total assets | $154,103,330 | 3,884 |
| Average earning assets | $142,604,000 | 3,851 |
| Average equity | $20,779,000 | 3,066 |
| Average total loans | $130,446,670 | 3,192 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5835% | 2,227 |
| Cost of funding earning assets | 1.9882% | 1,136 |
| Net interest margin | 3.5953% | 4,753 |
| Noninterest income to average assets | -0.2951% | 7,823 |
| Noninterest expense to average assets | 2.6661% | 5,079 |
| Loan and lease loss provision to assets | 0.8724% | 1,463 |
| Net operating income to assets | -0.4927% | 6,825 |
| Return on assets (ROA) | -0.4927% | 6,850 |
| Pretax return on assets | -0.4927% | 6,775 |
| Return on Equity (ROE) | -3.5986% | 6,789 |
| Retained earnings to average equity (ytd only) | -3.5986% | 6,446 |
| Net charge-offs to loans | 1.4776% | 1,171 |
| Credit loss provision to net charge-offs | 70.5394% | 4,093 |
| Earnings coverage of net charge-offs (x) | 0.3071% | 4,767 |
| Efficiency ratio | 87.5316% | 1,637 |
| Assets per employee ($millions) | 4.6322% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 2,417 |
| Loan loss allowance to noncurrent loans | 28.4304% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 7.6192% | 661 |
| Noncurrent loans to loans | 6.7091% | 920 |
| Net loans and leases to total assets | 84.2742% | 348 |
| Net loans and leases to deposits | 98.3472% | 877 |
| Net loans and leases to core deposits | 202.2641% | 101 |
| Total domestic deposits to total assets | 85.6905% | 3,320 |
| Equity capital to assets | 13.9026% | 1,174 |
| Core capital (leverage) ratio | 13.6732% | 1,036 |
| Tier 1 risk-based capital ratio | 17.1948% | 2,198 |
| Total risk-based capital ratio | 18.4542% | 2,148 |
| Memoranda: | ||
| Average total assets | $155,883,500 | 3,906 |
| Average earning assets | $144,856,000 | 3,855 |
| Average equity | $21,341,500 | 3,023 |
| Average total loans | $130,483,500 | 3,252 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7190% | 3,013 |
| Cost of funding earning assets | 2.3312% | 1,529 |
| Net interest margin | 3.3878% | 5,412 |
| Noninterest income to average assets | 0.1632% | 6,908 |
| Noninterest expense to average assets | 2.5520% | 5,943 |
| Loan and lease loss provision to assets | 1.4883% | 1,546 |
| Net operating income to assets | -0.6791% | 6,341 |
| Return on assets (ROA) | -0.6141% | 6,279 |
| Pretax return on assets | -0.6141% | 6,110 |
| Return on Equity (ROE) | -4.5166% | 6,161 |
| Retained earnings to average equity (ytd only) | -4.5166% | 5,946 |
| Net charge-offs to loans | 1.3460% | 1,852 |
| Credit loss provision to net charge-offs | 136.7816% | 3,607 |
| Earnings coverage of net charge-offs (x) | 0.7437% | 5,355 |
| Efficiency ratio | 75.9256% | 3,542 |
| Assets per employee ($millions) | 4.5401% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0418% | 1,937 |
| Loan loss allowance to noncurrent loans | 33.7886% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 6.5260% | 835 |
| Noncurrent loans to loans | 6.0430% | 1,037 |
| Net loans and leases to total assets | 79.9168% | 1,007 |
| Net loans and leases to deposits | 92.9180% | 1,745 |
| Net loans and leases to core deposits | 129.6965% | 1,299 |
| Total domestic deposits to total assets | 86.0079% | 3,017 |
| Equity capital to assets | 13.4868% | 1,325 |
| Core capital (leverage) ratio | 13.7541% | 1,028 |
| Tier 1 risk-based capital ratio | 17.4370% | 2,043 |
| Total risk-based capital ratio | 18.6986% | 1,997 |
| Memoranda: | ||
| Average total assets | $159,913,600 | 3,776 |
| Average earning assets | $150,953,600 | 3,694 |
| Average equity | $21,741,800 | 2,978 |
| Average total loans | $129,272,400 | 3,287 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8047% | 2,872 |
| Cost of funding earning assets | 2.4238% | 1,552 |
| Net interest margin | 3.3810% | 5,348 |
| Noninterest income to average assets | 0.1890% | 6,862 |
| Noninterest expense to average assets | 2.4907% | 6,100 |
| Loan and lease loss provision to assets | 1.7315% | 1,065 |
| Net operating income to assets | -0.8283% | 6,708 |
| Return on assets (ROA) | -0.8283% | 6,709 |
| Pretax return on assets | -0.8283% | 6,559 |
| Return on Equity (ROE) | -6.0800% | 6,563 |
| Retained earnings to average equity (ytd only) | -6.0800% | 6,395 |
| Net charge-offs to loans | 1.6885% | 1,199 |
| Credit loss provision to net charge-offs | 127.1394% | 3,953 |
| Earnings coverage of net charge-offs (x) | 0.6632% | 5,366 |
| Efficiency ratio | 73.3873% | 3,981 |
| Assets per employee ($millions) | 4.7673% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 1,983 |
| Loan loss allowance to noncurrent loans | 57.1462% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 4.4800% | 1,369 |
| Noncurrent loans to loans | 3.3572% | 2,251 |
| Net loans and leases to total assets | 79.6491% | 1,246 |
| Net loans and leases to deposits | 92.8756% | 2,079 |
| Net loans and leases to core deposits | 136.8769% | 1,059 |
| Total domestic deposits to total assets | 85.7590% | 2,826 |
| Equity capital to assets | 13.7287% | 1,407 |
| Core capital (leverage) ratio | 13.6481% | 1,187 |
| Tier 1 risk-based capital ratio | 17.5512% | 2,111 |
| Total risk-based capital ratio | 18.8103% | 2,069 |
| Memoranda: | ||
| Average total assets | $160,166,000 | 3,792 |
| Average earning assets | $151,827,000 | 3,694 |
| Average equity | $21,819,500 | 2,997 |
| Average total loans | $129,181,000 | 3,315 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7742% | 3,166 |
| Cost of funding earning assets | 2.4624% | 1,739 |
| Net interest margin | 3.3118% | 5,513 |
| Noninterest income to average assets | 0.2334% | 6,611 |
| Noninterest expense to average assets | 2.3971% | 6,466 |
| Loan and lease loss provision to assets | 2.0482% | 790 |
| Net operating income to assets | -1.0465% | 7,021 |
| Return on assets (ROA) | -1.0465% | 7,015 |
| Pretax return on assets | -1.0465% | 6,848 |
| Return on Equity (ROE) | -7.7010% | 6,870 |
| Retained earnings to average equity (ytd only) | -7.7010% | 6,635 |
| Net charge-offs to loans | 1.9328% | 968 |
| Credit loss provision to net charge-offs | 131.6840% | 3,542 |
| Earnings coverage of net charge-offs (x) | 0.6441% | 5,055 |
| Efficiency ratio | 70.5259% | 4,676 |
| Assets per employee ($millions) | 4.8927% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8682% | 1,870 |
| Loan loss allowance to noncurrent loans | 46.1598% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 4.7269% | 1,170 |
| Noncurrent loans to loans | 4.0472% | 1,661 |
| Net loans and leases to total assets | 78.2111% | 1,697 |
| Net loans and leases to deposits | 91.0440% | 2,644 |
| Net loans and leases to core deposits | 142.1969% | 925 |
| Total domestic deposits to total assets | 85.9047% | 2,835 |
| Equity capital to assets | 13.3985% | 1,529 |
| Core capital (leverage) ratio | 13.2130% | 1,362 |
| Tier 1 risk-based capital ratio | 17.5913% | 2,115 |
| Total risk-based capital ratio | 18.8501% | 2,068 |
| Memoranda: | ||
| Average total assets | $161,114,670 | 3,802 |
| Average earning assets | $153,994,670 | 3,666 |
| Average equity | $21,893,330 | 2,982 |
| Average total loans | $129,656,330 | 3,343 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8461% | 3,052 |
| Cost of funding earning assets | 2.4106% | 2,250 |
| Net interest margin | 3.4355% | 4,989 |
| Noninterest income to average assets | -0.0920% | 8,135 |
| Noninterest expense to average assets | 2.2965% | 6,555 |
| Loan and lease loss provision to assets | 3.2310% | 335 |
| Net operating income to assets | -2.3288% | 7,730 |
| Return on assets (ROA) | -2.3288% | 7,731 |
| Pretax return on assets | -2.3288% | 7,624 |
| Return on Equity (ROE) | -17.0182% | 7,676 |
| Retained earnings to average equity (ytd only) | -17.0182% | 7,536 |
| Net charge-offs to loans | 1.8134% | 799 |
| Credit loss provision to net charge-offs | 220.3390% | 2,050 |
| Earnings coverage of net charge-offs (x) | 0.6153% | 4,503 |
| Efficiency ratio | 71.7949% | 4,224 |
| Assets per employee ($millions) | 5.0458% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0719% | 1,286 |
| Loan loss allowance to noncurrent loans | 33.7432% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 6.1821% | 630 |
| Noncurrent loans to loans | 6.1401% | 764 |
| Net loans and leases to total assets | 79.5349% | 1,468 |
| Net loans and leases to deposits | 92.4797% | 2,516 |
| Net loans and leases to core deposits | 147.0711% | 810 |
| Total domestic deposits to total assets | 86.0025% | 2,725 |
| Equity capital to assets | 13.3639% | 1,589 |
| Core capital (leverage) ratio | 13.7024% | 1,264 |
| Tier 1 risk-based capital ratio | 17.5129% | 2,182 |
| Total risk-based capital ratio | 18.7750% | 2,122 |
| Memoranda: | ||
| Average total assets | $160,943,000 | 3,818 |
| Average earning assets | $154,154,000 | 3,678 |
| Average equity | $22,023,500 | 2,972 |
| Average total loans | $130,143,500 | 3,360 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8246% | 1,601 |
| Cost of funding earning assets | 2.9368% | 2,113 |
| Net interest margin | 3.8879% | 3,626 |
| Noninterest income to average assets | -0.2288% | 8,231 |
| Noninterest expense to average assets | 2.2018% | 6,959 |
| Loan and lease loss provision to assets | 1.5194% | 882 |
| Net operating income to assets | -0.2205% | 6,642 |
| Return on assets (ROA) | -0.2205% | 6,488 |
| Pretax return on assets | -0.2205% | 6,387 |
| Return on Equity (ROE) | -1.6303% | 6,455 |
| Retained earnings to average equity (ytd only) | -1.6303% | 5,772 |
| Net charge-offs to loans | 2.0203% | 530 |
| Credit loss provision to net charge-offs | 90.8543% | 5,661 |
| Earnings coverage of net charge-offs (x) | 0.7767% | 5,763 |
| Efficiency ratio | 62.8959% | 5,799 |
| Assets per employee ($millions) | 4.8612% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5532% | 2,435 |
| Loan loss allowance to noncurrent loans | 25.0813% | 7,006 |
| Noncurrent assets plus other real estate owned to assets | 5.9107% | 517 |
| Noncurrent loans to loans | 6.1928% | 549 |
| Net loans and leases to total assets | 79.2558% | 1,823 |
| Net loans and leases to deposits | 93.2304% | 2,918 |
| Net loans and leases to core deposits | 137.4950% | 1,413 |
| Total domestic deposits to total assets | 85.0107% | 2,839 |
| Equity capital to assets | 14.0063% | 1,422 |
| Core capital (leverage) ratio | 14.1164% | 1,237 |
| Tier 1 risk-based capital ratio | 18.2974% | 1,960 |
| Total risk-based capital ratio | 19.5519% | 1,912 |
| Memoranda: | ||
| Average total assets | $168,681,400 | 3,575 |
| Average earning assets | $161,811,400 | 3,441 |
| Average equity | $22,818,400 | 2,870 |
| Average total loans | $139,634,600 | 3,104 |