Home > Sterling Bank > Performance and Condition Ratios
Sterling Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 3,331 |
| Cost of funding earning assets | 1.8633% | 2,283 |
| Net interest margin | 3.0096% | 3,374 |
| Noninterest income to average assets | 0.3400% | 2,607 |
| Noninterest expense to average assets | 2.0626% | 3,425 |
| Loan and lease loss provision to assets | 0.0300% | 2,300 |
| Net operating income to assets | 1.1554% | 1,840 |
| Return on assets (ROA) | 1.1554% | 1,839 |
| Pretax return on assets | 1.1566% | 2,346 |
| Return on Equity (ROE) | 13.5700% | 1,365 |
| Retained earnings to average equity (ytd only) | 13.5677% | 588 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 63.3966% | 2,552 |
| Assets per employee ($millions) | 7.0964% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 3,442 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 66.8900% | 2,205 |
| Net loans and leases to deposits | 75.6702% | 2,429 |
| Net loans and leases to core deposits | 86.6922% | 2,268 |
| Total domestic deposits to total assets | 88.3900% | 1,425 |
| Equity capital to assets | 8.5678% | 3,266 |
| Core capital (leverage) ratio | 8.9387% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3483% | 1,736 |
| Memoranda: | ||
| Average total assets | $349,653,500 | 2,264 |
| Average earning assets | $338,118,500 | 2,190 |
| Average equity | $29,776,500 | 2,431 |
| Average total loans | $236,591,500 | 2,185 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7543% | 3,509 |
| Cost of funding earning assets | 1.8871% | 2,499 |
| Net interest margin | 2.8672% | 3,369 |
| Noninterest income to average assets | 0.3400% | 2,807 |
| Noninterest expense to average assets | 2.0163% | 3,574 |
| Loan and lease loss provision to assets | 0.0300% | 2,546 |
| Net operating income to assets | 1.0752% | 1,824 |
| Return on assets (ROA) | 1.0752% | 1,833 |
| Pretax return on assets | 1.0737% | 2,316 |
| Return on Equity (ROE) | 12.8400% | 1,393 |
| Retained earnings to average equity (ytd only) | 2.4633% | 3,232 |
| Net charge-offs to loans | -0.0004% | 3,701 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 64.5254% | 2,670 |
| Assets per employee ($millions) | 6.8898% | 2,230 |
| Cash dividends to net income (ytd only)* | 80.8190% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,413 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 67.1500% | 2,244 |
| Net loans and leases to deposits | 76.0021% | 2,461 |
| Net loans and leases to core deposits | 87.1881% | 2,316 |
| Total domestic deposits to total assets | 88.3500% | 1,382 |
| Equity capital to assets | 8.4627% | 3,232 |
| Core capital (leverage) ratio | 8.6955% | 3,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5466% | 2,033 |
| Memoranda: | ||
| Average total assets | $345,243,400 | 2,255 |
| Average earning assets | $335,278,800 | 2,188 |
| Average equity | $28,904,600 | 2,414 |
| Average total loans | $230,938,800 | 2,185 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6793% | 3,592 |
| Cost of funding earning assets | 1.8795% | 2,520 |
| Net interest margin | 2.7998% | 3,453 |
| Noninterest income to average assets | 0.3300% | 2,850 |
| Noninterest expense to average assets | 1.9974% | 3,577 |
| Loan and lease loss provision to assets | 0.0300% | 2,381 |
| Net operating income to assets | 1.0236% | 1,972 |
| Return on assets (ROA) | 1.0236% | 1,979 |
| Pretax return on assets | 1.0244% | 2,467 |
| Return on Equity (ROE) | 12.2600% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.3253% | 2,339 |
| Net charge-offs to loans | -0.0006% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 65.3492% | 2,546 |
| Assets per employee ($millions) | 7.3439% | 1,909 |
| Cash dividends to net income (ytd only)* | 56.5611% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9608% | 3,433 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 66.2700% | 2,290 |
| Net loans and leases to deposits | 76.8779% | 2,443 |
| Net loans and leases to core deposits | 88.2946% | 2,272 |
| Total domestic deposits to total assets | 86.2000% | 1,859 |
| Equity capital to assets | 8.6275% | 3,306 |
| Core capital (leverage) ratio | 8.9051% | 3,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6193% | 2,041 |
| Memoranda: | ||
| Average total assets | $345,432,000 | 2,243 |
| Average earning assets | $335,822,500 | 2,173 |
| Average equity | $28,842,500 | 2,422 |
| Average total loans | $230,280,500 | 2,180 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 3,614 |
| Cost of funding earning assets | 1.8534% | 2,492 |
| Net interest margin | 2.7652% | 3,473 |
| Noninterest income to average assets | 0.3300% | 2,813 |
| Noninterest expense to average assets | 2.0334% | 3,478 |
| Loan and lease loss provision to assets | 0.0300% | 2,286 |
| Net operating income to assets | 0.9458% | 2,165 |
| Return on assets (ROA) | 0.9458% | 2,168 |
| Pretax return on assets | 0.9470% | 2,632 |
| Return on Equity (ROE) | 11.4500% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.1969% | 1,934 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 67.4410% | 2,391 |
| Assets per employee ($millions) | 6.7458% | 2,241 |
| Cash dividends to net income (ytd only)* | 45.8996% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 3,542 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 66.7500% | 2,265 |
| Net loans and leases to deposits | 77.2679% | 2,448 |
| Net loans and leases to core deposits | 87.2251% | 2,330 |
| Total domestic deposits to total assets | 86.3900% | 1,862 |
| Equity capital to assets | 8.4084% | 3,157 |
| Core capital (leverage) ratio | 8.7942% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3788% | 2,114 |
| Memoranda: | ||
| Average total assets | $345,521,333 | 2,231 |
| Average earning assets | $336,038,667 | 2,161 |
| Average equity | $28,530,333 | 2,411 |
| Average total loans | $230,053,000 | 2,170 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5327% | 3,628 |
| Cost of funding earning assets | 1.8221% | 2,441 |
| Net interest margin | 2.7106% | 3,548 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 2.0447% | 3,470 |
| Loan and lease loss provision to assets | 0.0300% | 2,039 |
| Net operating income to assets | 0.8548% | 2,374 |
| Return on assets (ROA) | 0.8548% | 2,391 |
| Pretax return on assets | 0.8560% | 2,787 |
| Return on Equity (ROE) | 10.4500% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.4477% | 1,017 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 69.6576% | 2,187 |
| Assets per employee ($millions) | 6.8059% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,608 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 66.3600% | 2,197 |
| Net loans and leases to deposits | 78.5578% | 2,183 |
| Net loans and leases to core deposits | 88.2052% | 2,155 |
| Total domestic deposits to total assets | 84.4700% | 2,575 |
| Equity capital to assets | 8.2656% | 3,187 |
| Core capital (leverage) ratio | 8.7488% | 3,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2980% | 2,143 |
| Memoranda: | ||
| Average total assets | $346,263,500 | 2,224 |
| Average earning assets | $336,755,000 | 2,164 |
| Average equity | $28,331,500 | 2,431 |
| Average total loans | $229,155,000 | 2,174 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 3,697 |
| Cost of funding earning assets | 1.4093% | 2,209 |
| Net interest margin | 2.7527% | 3,747 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.9198% | 3,797 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0696% | 2,014 |
| Return on assets (ROA) | 1.0696% | 1,982 |
| Pretax return on assets | 1.0707% | 2,493 |
| Return on Equity (ROE) | 13.7500% | 1,542 |
| Retained earnings to average equity (ytd only) | 7.1967% | 1,830 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 63.4543% | 2,677 |
| Assets per employee ($millions) | 6.7731% | 2,226 |
| Cash dividends to net income (ytd only)* | 47.6580% | 1,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 3,560 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 64.7600% | 2,396 |
| Net loans and leases to deposits | 76.6551% | 2,387 |
| Net loans and leases to core deposits | 85.2552% | 2,358 |
| Total domestic deposits to total assets | 84.4800% | 2,474 |
| Equity capital to assets | 8.0981% | 3,353 |
| Core capital (leverage) ratio | 8.5156% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9980% | 2,246 |
| Memoranda: | ||
| Average total assets | $343,319,600 | 2,219 |
| Average earning assets | $333,927,000 | 2,160 |
| Average equity | $26,706,800 | 2,417 |
| Average total loans | $219,508,800 | 2,166 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,746 |
| Cost of funding earning assets | 1.3300% | 2,059 |
| Net interest margin | 2.7259% | 3,846 |
| Noninterest income to average assets | 0.3400% | 2,860 |
| Noninterest expense to average assets | 1.9125% | 3,784 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0490% | 2,222 |
| Return on assets (ROA) | 1.0490% | 2,211 |
| Pretax return on assets | 1.0509% | 2,709 |
| Return on Equity (ROE) | 13.6300% | 1,761 |
| Retained earnings to average equity (ytd only) | 7.3106% | 2,196 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.7826% | 2,526 |
| Assets per employee ($millions) | 7.1420% | 1,855 |
| Cash dividends to net income (ytd only)* | 46.3478% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9241% | 3,651 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 64.2700% | 2,413 |
| Net loans and leases to deposits | 74.8380% | 2,504 |
| Net loans and leases to core deposits | 82.3080% | 2,447 |
| Total domestic deposits to total assets | 85.8800% | 2,237 |
| Equity capital to assets | 7.6769% | 3,258 |
| Core capital (leverage) ratio | 8.2235% | 4,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8724% | 2,311 |
| Memoranda: | ||
| Average total assets | $342,793,000 | 2,228 |
| Average earning assets | $333,734,000 | 2,169 |
| Average equity | $26,390,250 | 2,427 |
| Average total loans | $217,931,250 | 2,174 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9145% | 3,840 |
| Cost of funding earning assets | 1.1788% | 2,055 |
| Net interest margin | 2.7357% | 3,929 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 1.9277% | 3,762 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0329% | 2,313 |
| Return on assets (ROA) | 1.0329% | 2,307 |
| Pretax return on assets | 1.0352% | 2,815 |
| Return on Equity (ROE) | 13.4000% | 1,819 |
| Retained earnings to average equity (ytd only) | 7.6854% | 2,070 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.2955% | 2,450 |
| Assets per employee ($millions) | 6.7893% | 2,074 |
| Cash dividends to net income (ytd only)* | 42.6621% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 3,690 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,390 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.8000% | 2,405 |
| Net loans and leases to deposits | 75.6369% | 2,349 |
| Net loans and leases to core deposits | 82.8611% | 2,274 |
| Total domestic deposits to total assets | 84.3500% | 2,740 |
| Equity capital to assets | 7.6901% | 3,409 |
| Core capital (leverage) ratio | 8.3442% | 4,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3029% | 2,173 |
| Memoranda: | ||
| Average total assets | $340,404,667 | 2,239 |
| Average earning assets | $331,177,667 | 2,182 |
| Average equity | $26,231,667 | 2,448 |
| Average total loans | $214,899,667 | 2,189 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 3,841 |
| Cost of funding earning assets | 0.9965% | 2,063 |
| Net interest margin | 2.8126% | 3,934 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.9462% | 3,758 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0501% | 2,382 |
| Return on assets (ROA) | 1.0501% | 2,347 |
| Pretax return on assets | 1.0537% | 2,850 |
| Return on Equity (ROE) | 13.6100% | 1,859 |
| Retained earnings to average equity (ytd only) | 13.6130% | 993 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.1156% | 2,441 |
| Assets per employee ($millions) | 7.2624% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 3,714 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 3,394 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.2500% | 2,441 |
| Net loans and leases to deposits | 71.6229% | 2,498 |
| Net loans and leases to core deposits | 76.8098% | 2,474 |
| Total domestic deposits to total assets | 86.9200% | 2,297 |
| Equity capital to assets | 7.7953% | 3,386 |
| Core capital (leverage) ratio | 8.4513% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3690% | 2,232 |
| Memoranda: | ||
| Average total assets | $337,481,000 | 2,280 |
| Average earning assets | $327,958,500 | 2,224 |
| Average equity | $26,034,000 | 2,483 |
| Average total loans | $210,862,500 | 2,235 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 3,370 |
| Cost of funding earning assets | 0.3943% | 2,149 |
| Net interest margin | 2.9947% | 3,466 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 1.9550% | 3,696 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.3407% | 1,309 |
| Return on assets (ROA) | 1.3407% | 1,265 |
| Pretax return on assets | 1.3464% | 1,940 |
| Return on Equity (ROE) | 17.0600% | 853 |
| Retained earnings to average equity (ytd only) | 5.4719% | 2,844 |
| Net charge-offs to loans | -0.0005% | 3,311 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8918% | 3,205 |
| Assets per employee ($millions) | 6.6726% | 2,198 |
| Cash dividends to net income (ytd only)* | 67.9194% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 3,518 |
| Loan loss allowance to noncurrent loans | 15,446.1538% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 3,364 |
| Noncurrent loans to loans | 0.0063% | 3,821 |
| Net loans and leases to total assets | 61.5000% | 2,495 |
| Net loans and leases to deposits | 69.5115% | 2,622 |
| Net loans and leases to core deposits | 72.8360% | 2,658 |
| Total domestic deposits to total assets | 88.4800% | 1,894 |
| Equity capital to assets | 7.6312% | 3,305 |
| Core capital (leverage) ratio | 8.3337% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2061% | 2,282 |
| Memoranda: | ||
| Average total assets | $329,461,600 | 2,302 |
| Average earning assets | $320,571,000 | 2,233 |
| Average equity | $25,895,800 | 2,537 |
| Average total loans | $185,660,200 | 2,333 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2676% | 3,262 |
| Cost of funding earning assets | 0.3510% | 1,693 |
| Net interest margin | 2.9166% | 3,444 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 1.9523% | 3,623 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2837% | 1,413 |
| Return on assets (ROA) | 1.2837% | 1,382 |
| Pretax return on assets | 1.2890% | 2,085 |
| Return on Equity (ROE) | 16.2100% | 937 |
| Retained earnings to average equity (ytd only) | 8.5213% | 1,814 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.8954% | 3,124 |
| Assets per employee ($millions) | 6.9596% | 1,976 |
| Cash dividends to net income (ytd only)* | 47.4383% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,361 |
| Loan loss allowance to noncurrent loans | 5,691.4286% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 3,374 |
| Noncurrent loans to loans | 0.0180% | 3,794 |
| Net loans and leases to total assets | 57.5300% | 2,756 |
| Net loans and leases to deposits | 62.5537% | 2,980 |
| Net loans and leases to core deposits | 66.1994% | 2,942 |
| Total domestic deposits to total assets | 91.9700% | 883 |
| Equity capital to assets | 7.6710% | 3,107 |
| Core capital (leverage) ratio | 8.3919% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8677% | 2,103 |
| Memoranda: | ||
| Average total assets | $328,419,500 | 2,322 |
| Average earning assets | $319,814,250 | 2,254 |
| Average equity | $26,004,750 | 2,573 |
| Average total loans | $180,277,250 | 2,373 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1337% | 3,229 |
| Cost of funding earning assets | 0.3249% | 1,482 |
| Net interest margin | 2.8088% | 3,427 |
| Noninterest income to average assets | 0.4379% | 2,519 |
| Noninterest expense to average assets | 1.9538% | 3,566 |
| Loan and lease loss provision to assets | 0.0184% | 2,275 |
| Net operating income to assets | 1.1980% | 1,436 |
| Return on assets (ROA) | 1.1980% | 1,417 |
| Pretax return on assets | 1.2029% | 2,071 |
| Return on Equity (ROE) | 14.9707% | 901 |
| Retained earnings to average equity (ytd only) | 9.2304% | 1,218 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5355% | 3,102 |
| Assets per employee ($millions) | 6.7303% | 2,148 |
| Cash dividends to net income (ytd only)* | 38.3436% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,183 |
| Loan loss allowance to noncurrent loans | 3,468.4211% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 3,402 |
| Noncurrent loans to loans | 0.0316% | 3,715 |
| Net loans and leases to total assets | 54.1401% | 2,948 |
| Net loans and leases to deposits | 58.9599% | 3,136 |
| Net loans and leases to core deposits | 62.1140% | 3,106 |
| Total domestic deposits to total assets | 91.8253% | 919 |
| Equity capital to assets | 7.8066% | 3,260 |
| Core capital (leverage) ratio | 8.3489% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2725% | 1,948 |
| Memoranda: | ||
| Average total assets | $326,538,667 | 2,345 |
| Average earning assets | $318,217,000 | 2,282 |
| Average equity | $26,131,000 | 2,627 |
| Average total loans | $175,643,000 | 2,414 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0387% | 3,141 |
| Cost of funding earning assets | 0.3319% | 1,355 |
| Net interest margin | 2.7068% | 3,386 |
| Noninterest income to average assets | 0.4432% | 2,424 |
| Noninterest expense to average assets | 1.9550% | 3,544 |
| Loan and lease loss provision to assets | 0.0185% | 2,026 |
| Net operating income to assets | 1.1067% | 1,512 |
| Return on assets (ROA) | 1.1067% | 1,500 |
| Pretax return on assets | 1.1104% | 2,106 |
| Return on Equity (ROE) | 13.6605% | 898 |
| Retained earnings to average equity (ytd only) | 13.6605% | 402 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3932% | 3,092 |
| Assets per employee ($millions) | 7.1258% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 3,234 |
| Loan loss allowance to noncurrent loans | 2,452.5000% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0656% | 3,404 |
| Noncurrent loans to loans | 0.0457% | 3,650 |
| Net loans and leases to total assets | 52.7840% | 2,908 |
| Net loans and leases to deposits | 57.5758% | 3,114 |
| Net loans and leases to core deposits | 60.8617% | 3,076 |
| Total domestic deposits to total assets | 91.6773% | 709 |
| Equity capital to assets | 7.9835% | 3,586 |
| Core capital (leverage) ratio | 8.4120% | 3,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8136% | 1,866 |
| Memoranda: | ||
| Average total assets | $324,915,500 | 2,370 |
| Average earning assets | $316,975,000 | 2,302 |
| Average equity | $26,324,000 | 2,693 |
| Average total loans | $173,203,000 | 2,431 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 1,513 |
| Cost of funding earning assets | 0.4089% | 1,475 |
| Net interest margin | 3.5329% | 1,641 |
| Noninterest income to average assets | 0.6448% | 1,962 |
| Noninterest expense to average assets | 2.1717% | 3,172 |
| Loan and lease loss provision to assets | 0.0197% | 2,678 |
| Net operating income to assets | 1.8840% | 423 |
| Return on assets (ROA) | 1.8840% | 450 |
| Pretax return on assets | 1.8883% | 740 |
| Return on Equity (ROE) | 22.4484% | 202 |
| Retained earnings to average equity (ytd only) | 11.7010% | 581 |
| Net charge-offs to loans | -0.0024% | 3,397 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2320% | 4,008 |
| Assets per employee ($millions) | 6.7092% | 2,147 |
| Cash dividends to net income (ytd only)* | 47.8760% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 3,194 |
| Loan loss allowance to noncurrent loans | 1,908.8235% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 3,440 |
| Noncurrent loans to loans | 0.0595% | 3,651 |
| Net loans and leases to total assets | 52.6257% | 2,997 |
| Net loans and leases to deposits | 57.5820% | 3,289 |
| Net loans and leases to core deposits | 60.9172% | 3,250 |
| Total domestic deposits to total assets | 91.3927% | 347 |
| Equity capital to assets | 8.2222% | 4,220 |
| Core capital (leverage) ratio | 8.2699% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5047% | 2,048 |
| Memoranda: | ||
| Average total assets | $304,878,200 | 2,410 |
| Average earning assets | $296,411,400 | 2,346 |
| Average equity | $25,587,600 | 2,807 |
| Average total loans | $164,933,800 | 2,511 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 1,066 |
| Cost of funding earning assets | 0.4192% | 1,555 |
| Net interest margin | 3.8099% | 1,094 |
| Noninterest income to average assets | 0.6822% | 1,879 |
| Noninterest expense to average assets | 2.1806% | 3,135 |
| Loan and lease loss provision to assets | 0.0200% | 2,600 |
| Net operating income to assets | 2.1779% | 339 |
| Return on assets (ROA) | 2.1779% | 354 |
| Pretax return on assets | 2.1828% | 566 |
| Return on Equity (ROE) | 25.8095% | 155 |
| Retained earnings to average equity (ytd only) | 16.6106% | 261 |
| Net charge-offs to loans | -0.0033% | 3,324 |
| Credit loss provision to net charge-offs | -1,125.0000% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7470% | 4,242 |
| Assets per employee ($millions) | 6.3382% | 2,387 |
| Cash dividends to net income (ytd only)* | 35.6415% | 1,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 2,971 |
| Loan loss allowance to noncurrent loans | 1,545.6000% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 3,538 |
| Noncurrent loans to loans | 0.0779% | 3,703 |
| Net loans and leases to total assets | 51.0458% | 3,296 |
| Net loans and leases to deposits | 56.1043% | 3,570 |
| Net loans and leases to core deposits | 59.5404% | 3,502 |
| Total domestic deposits to total assets | 90.9837% | 377 |
| Equity capital to assets | 8.6308% | 4,116 |
| Core capital (leverage) ratio | 8.4500% | 4,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1435% | 1,581 |
| Memoranda: | ||
| Average total assets | $300,587,250 | 2,456 |
| Average earning assets | $292,003,750 | 2,397 |
| Average equity | $25,364,750 | 2,854 |
| Average total loans | $163,311,250 | 2,558 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 1,535 |
| Cost of funding earning assets | 0.4251% | 1,696 |
| Net interest margin | 3.5901% | 1,612 |
| Noninterest income to average assets | 0.7112% | 1,763 |
| Noninterest expense to average assets | 2.1591% | 3,213 |
| Loan and lease loss provision to assets | 0.0202% | 2,559 |
| Net operating income to assets | 2.0097% | 480 |
| Return on assets (ROA) | 2.0097% | 506 |
| Pretax return on assets | 2.0151% | 820 |
| Return on Equity (ROE) | 24.0068% | 230 |
| Retained earnings to average equity (ytd only) | 17.9789% | 225 |
| Net charge-offs to loans | -0.0049% | 3,428 |
| Credit loss provision to net charge-offs | -750.0000% | 3,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4758% | 4,096 |
| Assets per employee ($millions) | 6.2860% | 2,349 |
| Cash dividends to net income (ytd only)* | 25.1088% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,304.0816% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 3,593 |
| Noncurrent loans to loans | 0.0892% | 3,735 |
| Net loans and leases to total assets | 52.8721% | 3,268 |
| Net loans and leases to deposits | 58.0382% | 3,541 |
| Net loans and leases to core deposits | 61.1505% | 3,528 |
| Total domestic deposits to total assets | 91.0988% | 344 |
| Equity capital to assets | 8.4282% | 4,252 |
| Core capital (leverage) ratio | 8.4631% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4351% | 1,490 |
| Memoranda: | ||
| Average total assets | $297,259,000 | 2,465 |
| Average earning assets | $288,404,333 | 2,409 |
| Average equity | $24,884,667 | 2,889 |
| Average total loans | $164,259,667 | 2,562 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 2,861 |
| Cost of funding earning assets | 0.4384% | 1,811 |
| Net interest margin | 3.0819% | 3,047 |
| Noninterest income to average assets | 0.7181% | 1,815 |
| Noninterest expense to average assets | 2.1269% | 3,337 |
| Loan and lease loss provision to assets | 0.0206% | 2,515 |
| Net operating income to assets | 1.5527% | 1,211 |
| Return on assets (ROA) | 1.5527% | 1,277 |
| Pretax return on assets | 1.5568% | 1,837 |
| Return on Equity (ROE) | 18.6142% | 658 |
| Retained earnings to average equity (ytd only) | 18.6142% | 334 |
| Net charge-offs to loans | -0.0098% | 3,656 |
| Credit loss provision to net charge-offs | -375.0000% | 3,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4177% | 3,379 |
| Assets per employee ($millions) | 6.2410% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1224% | 3,327 |
| Loan loss allowance to noncurrent loans | 1,125.4438% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 3,676 |
| Noncurrent loans to loans | 0.0997% | 3,804 |
| Net loans and leases to total assets | 55.9325% | 3,047 |
| Net loans and leases to deposits | 61.2307% | 3,390 |
| Net loans and leases to core deposits | 64.2787% | 3,385 |
| Total domestic deposits to total assets | 91.3472% | 284 |
| Equity capital to assets | 8.2833% | 4,292 |
| Core capital (leverage) ratio | 8.4114% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2447% | 1,491 |
| Memoranda: | ||
| Average total assets | $291,882,000 | 2,473 |
| Average earning assets | $282,815,500 | 2,426 |
| Average equity | $24,347,000 | 2,907 |
| Average total loans | $164,004,500 | 2,560 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 2,544 |
| Cost of funding earning assets | 0.5913% | 2,377 |
| Net interest margin | 3.4694% | 2,562 |
| Noninterest income to average assets | 0.8403% | 1,414 |
| Noninterest expense to average assets | 2.2515% | 3,541 |
| Loan and lease loss provision to assets | 0.0222% | 4,119 |
| Net operating income to assets | 1.9086% | 312 |
| Return on assets (ROA) | 1.9086% | 336 |
| Pretax return on assets | 1.9141% | 537 |
| Return on Equity (ROE) | 22.5104% | 147 |
| Retained earnings to average equity (ytd only) | 9.8714% | 613 |
| Net charge-offs to loans | -0.0006% | 3,911 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7633% | 4,237 |
| Assets per employee ($millions) | 5.6839% | 2,645 |
| Cash dividends to net income (ytd only)* | 56.1471% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,015 |
| Loan loss allowance to noncurrent loans | 759.2742% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.1464% | 3,554 |
| Noncurrent loans to loans | 0.1564% | 3,658 |
| Net loans and leases to total assets | 55.1267% | 3,379 |
| Net loans and leases to deposits | 60.4583% | 3,722 |
| Net loans and leases to core deposits | 63.9336% | 3,695 |
| Total domestic deposits to total assets | 91.1814% | 184 |
| Equity capital to assets | 8.4027% | 4,515 |
| Core capital (leverage) ratio | 8.0604% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2650% | 1,755 |
| Memoranda: | ||
| Average total assets | $270,616,800 | 2,462 |
| Average earning assets | $261,114,200 | 2,393 |
| Average equity | $22,945,000 | 2,941 |
| Average total loans | $167,423,600 | 2,507 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0559% | 2,805 |
| Cost of funding earning assets | 0.6272% | 2,447 |
| Net interest margin | 3.4287% | 2,819 |
| Noninterest income to average assets | 0.7983% | 1,502 |
| Noninterest expense to average assets | 2.2413% | 3,574 |
| Loan and lease loss provision to assets | 0.0225% | 4,046 |
| Net operating income to assets | 1.8351% | 420 |
| Return on assets (ROA) | 1.8351% | 470 |
| Pretax return on assets | 1.8406% | 724 |
| Return on Equity (ROE) | 21.5923% | 187 |
| Retained earnings to average equity (ytd only) | 13.0798% | 325 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6073% | 4,086 |
| Assets per employee ($millions) | 5.8950% | 2,354 |
| Cash dividends to net income (ytd only)* | 39.4236% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,454 |
| Loan loss allowance to noncurrent loans | 522.9692% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 3,521 |
| Noncurrent loans to loans | 0.2011% | 3,581 |
| Net loans and leases to total assets | 60.8100% | 3,129 |
| Net loans and leases to deposits | 67.5842% | 3,501 |
| Net loans and leases to core deposits | 72.0334% | 3,467 |
| Total domestic deposits to total assets | 89.9766% | 429 |
| Equity capital to assets | 8.2699% | 4,589 |
| Core capital (leverage) ratio | 8.2300% | 4,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0415% | 1,817 |
| Memoranda: | ||
| Average total assets | $267,222,000 | 2,458 |
| Average earning assets | $257,658,500 | 2,391 |
| Average equity | $22,711,250 | 2,959 |
| Average total loans | $169,641,750 | 2,491 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1859% | 2,808 |
| Cost of funding earning assets | 0.6798% | 2,498 |
| Net interest margin | 3.5060% | 2,766 |
| Noninterest income to average assets | 0.7346% | 1,625 |
| Noninterest expense to average assets | 2.3184% | 3,473 |
| Loan and lease loss provision to assets | 0.0231% | 3,961 |
| Net operating income to assets | 1.7715% | 533 |
| Return on assets (ROA) | 1.7715% | 583 |
| Pretax return on assets | 1.7768% | 849 |
| Return on Equity (ROE) | 20.6371% | 217 |
| Retained earnings to average equity (ytd only) | 14.1404% | 268 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2944% | 3,905 |
| Assets per employee ($millions) | 5.5908% | 2,555 |
| Cash dividends to net income (ytd only)* | 31.4807% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,246 |
| Loan loss allowance to noncurrent loans | 460.6965% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 3,516 |
| Noncurrent loans to loans | 0.2317% | 3,546 |
| Net loans and leases to total assets | 61.4087% | 3,176 |
| Net loans and leases to deposits | 68.3472% | 3,534 |
| Net loans and leases to core deposits | 72.8132% | 3,536 |
| Total domestic deposits to total assets | 89.8480% | 444 |
| Equity capital to assets | 8.3104% | 4,583 |
| Core capital (leverage) ratio | 8.3665% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0824% | 1,777 |
| Memoranda: | ||
| Average total assets | $260,011,333 | 2,477 |
| Average earning assets | $250,940,000 | 2,413 |
| Average equity | $22,319,000 | 2,977 |
| Average total loans | $167,016,000 | 2,500 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3709% | 2,716 |
| Cost of funding earning assets | 0.7752% | 2,519 |
| Net interest margin | 3.5957% | 2,678 |
| Noninterest income to average assets | 0.4683% | 2,709 |
| Noninterest expense to average assets | 2.4328% | 3,467 |
| Loan and lease loss provision to assets | 0.0240% | 3,500 |
| Net operating income to assets | 1.4690% | 838 |
| Return on assets (ROA) | 1.4690% | 916 |
| Pretax return on assets | 1.4737% | 1,375 |
| Return on Equity (ROE) | 16.8138% | 353 |
| Retained earnings to average equity (ytd only) | 16.8138% | 120 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8951% | 3,509 |
| Assets per employee ($millions) | 5.0325% | 2,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,971 |
| Loan loss allowance to noncurrent loans | 401.0917% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,458 |
| Noncurrent loans to loans | 0.2852% | 3,470 |
| Net loans and leases to total assets | 63.0982% | 3,178 |
| Net loans and leases to deposits | 69.5718% | 3,625 |
| Net loans and leases to core deposits | 74.1433% | 3,623 |
| Total domestic deposits to total assets | 90.6950% | 149 |
| Equity capital to assets | 8.8989% | 4,657 |
| Core capital (leverage) ratio | 8.7564% | 4,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2163% | 2,191 |
| Memoranda: | ||
| Average total assets | $250,246,000 | 2,492 |
| Average earning assets | $240,956,000 | 2,438 |
| Average equity | $21,863,000 | 3,005 |
| Average total loans | $163,766,500 | 2,499 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5299% | 2,844 |
| Cost of funding earning assets | 0.8337% | 2,514 |
| Net interest margin | 3.6961% | 2,826 |
| Noninterest income to average assets | 0.5137% | 2,657 |
| Noninterest expense to average assets | 2.3426% | 3,841 |
| Loan and lease loss provision to assets | 0.0737% | 2,521 |
| Net operating income to assets | 1.6376% | 760 |
| Return on assets (ROA) | 1.6376% | 806 |
| Pretax return on assets | 1.6438% | 1,352 |
| Return on Equity (ROE) | 18.6686% | 293 |
| Retained earnings to average equity (ytd only) | 2.2787% | 3,876 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6977% | 4,014 |
| Assets per employee ($millions) | 4.9773% | 2,637 |
| Cash dividends to net income (ytd only)* | 87.7939% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,002 |
| Loan loss allowance to noncurrent loans | 389.3162% | 1,211 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 3,411 |
| Noncurrent loans to loans | 0.2804% | 3,440 |
| Net loans and leases to total assets | 66.3420% | 2,913 |
| Net loans and leases to deposits | 72.8692% | 3,449 |
| Net loans and leases to core deposits | 76.9498% | 3,516 |
| Total domestic deposits to total assets | 91.0425% | 118 |
| Equity capital to assets | 8.5725% | 4,880 |
| Core capital (leverage) ratio | 8.5861% | 4,794 |
| Tier 1 risk-based capital ratio | 12.0564% | 4,333 |
| Total risk-based capital ratio | 13.0971% | 4,322 |
| Memoranda: | ||
| Average total assets | $244,132,400 | 2,499 |
| Average earning assets | $234,245,600 | 2,444 |
| Average equity | $21,415,600 | 3,011 |
| Average total loans | $167,321,600 | 2,438 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5306% | 2,962 |
| Cost of funding earning assets | 0.8474% | 2,482 |
| Net interest margin | 3.6833% | 2,980 |
| Noninterest income to average assets | 0.4873% | 2,811 |
| Noninterest expense to average assets | 2.3379% | 3,855 |
| Loan and lease loss provision to assets | 0.0741% | 2,408 |
| Net operating income to assets | 1.6047% | 920 |
| Return on assets (ROA) | 1.6047% | 960 |
| Pretax return on assets | 1.6107% | 1,596 |
| Return on Equity (ROE) | 18.1870% | 378 |
| Retained earnings to average equity (ytd only) | 9.0126% | 1,041 |
| Net charge-offs to loans | -0.0008% | 3,989 |
| Credit loss provision to net charge-offs | -13,500.0000% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1173% | 3,919 |
| Assets per employee ($millions) | 5.0977% | 2,448 |
| Cash dividends to net income (ytd only)* | 50.4447% | 1,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,263 |
| Loan loss allowance to noncurrent loans | 377.4947% | 1,243 |
| Noncurrent assets plus other real estate owned to assets | 0.2558% | 3,543 |
| Noncurrent loans to loans | 0.2792% | 3,538 |
| Net loans and leases to total assets | 66.8188% | 2,948 |
| Net loans and leases to deposits | 73.7651% | 3,493 |
| Net loans and leases to core deposits | 78.5248% | 3,507 |
| Total domestic deposits to total assets | 90.5833% | 154 |
| Equity capital to assets | 8.9343% | 4,811 |
| Core capital (leverage) ratio | 8.8986% | 4,712 |
| Tier 1 risk-based capital ratio | 12.4670% | 4,165 |
| Total risk-based capital ratio | 13.4713% | 4,182 |
| Memoranda: | ||
| Average total assets | $242,949,250 | 2,527 |
| Average earning assets | $233,191,250 | 2,471 |
| Average equity | $21,436,000 | 3,028 |
| Average total loans | $167,421,000 | 2,459 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 2,919 |
| Cost of funding earning assets | 0.8331% | 2,490 |
| Net interest margin | 3.6960% | 2,942 |
| Noninterest income to average assets | 0.3839% | 3,376 |
| Noninterest expense to average assets | 2.4149% | 3,704 |
| Loan and lease loss provision to assets | 0.0748% | 2,319 |
| Net operating income to assets | 1.4343% | 1,335 |
| Return on assets (ROA) | 1.4343% | 1,384 |
| Pretax return on assets | 1.4410% | 2,060 |
| Return on Equity (ROE) | 16.3274% | 542 |
| Retained earnings to average equity (ytd only) | 9.4692% | 916 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4376% | 3,516 |
| Assets per employee ($millions) | 4.7375% | 2,822 |
| Cash dividends to net income (ytd only)* | 42.0046% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,344 |
| Loan loss allowance to noncurrent loans | 331.8008% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 3,414 |
| Noncurrent loans to loans | 0.3159% | 3,406 |
| Net loans and leases to total assets | 67.6840% | 2,862 |
| Net loans and leases to deposits | 74.7261% | 3,454 |
| Net loans and leases to core deposits | 79.5060% | 3,462 |
| Total domestic deposits to total assets | 90.5762% | 182 |
| Equity capital to assets | 8.9822% | 4,806 |
| Core capital (leverage) ratio | 9.0026% | 4,624 |
| Tier 1 risk-based capital ratio | 12.4435% | 4,159 |
| Total risk-based capital ratio | 13.4394% | 4,184 |
| Memoranda: | ||
| Average total assets | $240,669,330 | 2,548 |
| Average earning assets | $230,955,330 | 2,495 |
| Average equity | $21,142,330 | 3,049 |
| Average total loans | $167,000,000 | 2,472 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5366% | 2,741 |
| Cost of funding earning assets | 0.8193% | 2,427 |
| Net interest margin | 3.7173% | 2,826 |
| Noninterest income to average assets | 0.3797% | 3,326 |
| Noninterest expense to average assets | 2.4380% | 3,663 |
| Loan and lease loss provision to assets | 0.0749% | 2,181 |
| Net operating income to assets | 1.4205% | 1,320 |
| Return on assets (ROA) | 1.4205% | 1,349 |
| Pretax return on assets | 1.4255% | 1,999 |
| Return on Equity (ROE) | 16.3547% | 549 |
| Retained earnings to average equity (ytd only) | 16.3547% | 210 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9027% | 3,549 |
| Assets per employee ($millions) | 4.6255% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0096% | 3,630 |
| Loan loss allowance to noncurrent loans | 300.1779% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 3,687 |
| Noncurrent loans to loans | 0.3363% | 3,370 |
| Net loans and leases to total assets | 68.7704% | 2,652 |
| Net loans and leases to deposits | 75.8497% | 3,271 |
| Net loans and leases to core deposits | 81.2063% | 3,251 |
| Total domestic deposits to total assets | 90.6667% | 240 |
| Equity capital to assets | 8.9001% | 4,749 |
| Core capital (leverage) ratio | 8.9083% | 4,713 |
| Tier 1 risk-based capital ratio | 12.2238% | 4,338 |
| Total risk-based capital ratio | 13.1841% | 4,393 |
| Memoranda: | ||
| Average total assets | $240,198,500 | 2,583 |
| Average earning assets | $229,953,500 | 2,522 |
| Average equity | $20,862,500 | 3,080 |
| Average total loans | $167,868,000 | 2,493 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 2,513 |
| Cost of funding earning assets | 0.7031% | 2,073 |
| Net interest margin | 3.7789% | 2,747 |
| Noninterest income to average assets | 0.4445% | 3,139 |
| Noninterest expense to average assets | 2.3926% | 3,901 |
| Loan and lease loss provision to assets | 0.0762% | 2,603 |
| Net operating income to assets | 1.5904% | 892 |
| Return on assets (ROA) | 1.5904% | 880 |
| Pretax return on assets | 1.5955% | 1,483 |
| Return on Equity (ROE) | 18.4844% | 346 |
| Retained earnings to average equity (ytd only) | 4.2164% | 3,233 |
| Net charge-offs to loans | 0.0024% | 3,655 |
| Credit loss provision to net charge-offs | 4,500.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 987.2500% | 109 |
| Efficiency ratio | 58.8689% | 4,027 |
| Assets per employee ($millions) | 4.7034% | 2,873 |
| Cash dividends to net income (ytd only)* | 77.1892% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9737% | 3,845 |
| Loan loss allowance to noncurrent loans | 268.7398% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 3,567 |
| Noncurrent loans to loans | 0.3623% | 3,239 |
| Net loans and leases to total assets | 69.6192% | 2,626 |
| Net loans and leases to deposits | 77.2244% | 3,254 |
| Net loans and leases to core deposits | 82.8539% | 3,192 |
| Total domestic deposits to total assets | 90.1518% | 426 |
| Equity capital to assets | 8.4704% | 4,947 |
| Core capital (leverage) ratio | 8.6501% | 4,917 |
| Tier 1 risk-based capital ratio | 11.5433% | 4,703 |
| Total risk-based capital ratio | 12.4625% | 4,774 |
| Memoranda: | ||
| Average total assets | $236,232,400 | 2,568 |
| Average earning assets | $226,280,800 | 2,512 |
| Average equity | $20,325,200 | 3,062 |
| Average total loans | $165,937,800 | 2,474 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 2,517 |
| Cost of funding earning assets | 0.6828% | 1,958 |
| Net interest margin | 3.7518% | 2,820 |
| Noninterest income to average assets | 0.4510% | 3,165 |
| Noninterest expense to average assets | 2.3842% | 3,890 |
| Loan and lease loss provision to assets | 0.0765% | 2,430 |
| Net operating income to assets | 1.5864% | 988 |
| Return on assets (ROA) | 1.5864% | 993 |
| Pretax return on assets | 1.5921% | 1,610 |
| Return on Equity (ROE) | 18.3659% | 391 |
| Retained earnings to average equity (ytd only) | 8.8550% | 1,280 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8285% | 3,987 |
| Assets per employee ($millions) | 4.5570% | 3,032 |
| Cash dividends to net income (ytd only)* | 51.7858% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,963 |
| Loan loss allowance to noncurrent loans | 263.7562% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,667 |
| Noncurrent loans to loans | 0.3664% | 3,334 |
| Net loans and leases to total assets | 69.2318% | 2,771 |
| Net loans and leases to deposits | 76.1854% | 3,401 |
| Net loans and leases to core deposits | 83.0056% | 3,249 |
| Total domestic deposits to total assets | 90.8728% | 250 |
| Equity capital to assets | 8.7482% | 4,764 |
| Core capital (leverage) ratio | 8.8590% | 4,841 |
| Tier 1 risk-based capital ratio | 12.0413% | 4,482 |
| Total risk-based capital ratio | 12.9543% | 4,552 |
| Memoranda: | ||
| Average total assets | $235,322,500 | 2,584 |
| Average earning assets | $225,912,000 | 2,530 |
| Average equity | $20,327,000 | 3,089 |
| Average total loans | $165,262,500 | 2,495 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3930% | 2,444 |
| Cost of funding earning assets | 0.6633% | 1,851 |
| Net interest margin | 3.7298% | 2,826 |
| Noninterest income to average assets | 0.4362% | 3,246 |
| Noninterest expense to average assets | 2.3946% | 3,912 |
| Loan and lease loss provision to assets | 0.0767% | 2,368 |
| Net operating income to assets | 1.5325% | 1,071 |
| Return on assets (ROA) | 1.5325% | 1,074 |
| Pretax return on assets | 1.5385% | 1,685 |
| Return on Equity (ROE) | 17.8183% | 433 |
| Retained earnings to average equity (ytd only) | 10.6375% | 753 |
| Net charge-offs to loans | -0.0012% | 3,904 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7196% | 3,971 |
| Assets per employee ($millions) | 4.6390% | 2,904 |
| Cash dividends to net income (ytd only)* | 40.3002% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 4,212 |
| Loan loss allowance to noncurrent loans | 233.4333% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 3,645 |
| Noncurrent loans to loans | 0.3978% | 3,261 |
| Net loans and leases to total assets | 70.2170% | 2,547 |
| Net loans and leases to deposits | 80.0392% | 2,945 |
| Net loans and leases to core deposits | 86.5538% | 2,871 |
| Total domestic deposits to total assets | 87.7282% | 1,518 |
| Equity capital to assets | 8.6783% | 4,818 |
| Core capital (leverage) ratio | 8.8226% | 4,867 |
| Tier 1 risk-based capital ratio | 11.7839% | 4,629 |
| Total risk-based capital ratio | 12.6644% | 4,736 |
| Memoranda: | ||
| Average total assets | $234,776,000 | 2,602 |
| Average earning assets | $224,946,330 | 2,555 |
| Average equity | $20,192,670 | 3,112 |
| Average total loans | $165,132,000 | 2,504 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 2,409 |
| Cost of funding earning assets | 0.6321% | 1,826 |
| Net interest margin | 3.7000% | 2,798 |
| Noninterest income to average assets | 0.4054% | 3,421 |
| Noninterest expense to average assets | 2.4185% | 3,897 |
| Loan and lease loss provision to assets | 0.0770% | 2,229 |
| Net operating income to assets | 1.4470% | 1,203 |
| Return on assets (ROA) | 1.4470% | 1,210 |
| Pretax return on assets | 1.4538% | 1,824 |
| Return on Equity (ROE) | 16.9006% | 521 |
| Retained earnings to average equity (ytd only) | 16.9006% | 196 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2386% | 3,910 |
| Assets per employee ($millions) | 4.7256% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9112% | 4,398 |
| Loan loss allowance to noncurrent loans | 228.5930% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 3,741 |
| Noncurrent loans to loans | 0.3986% | 3,355 |
| Net loans and leases to total assets | 69.5398% | 2,555 |
| Net loans and leases to deposits | 79.3971% | 2,878 |
| Net loans and leases to core deposits | 91.0285% | 2,372 |
| Total domestic deposits to total assets | 87.5848% | 1,855 |
| Equity capital to assets | 8.6215% | 4,883 |
| Core capital (leverage) ratio | 8.8687% | 4,829 |
| Tier 1 risk-based capital ratio | 11.5296% | 4,844 |
| Total risk-based capital ratio | 12.3749% | 4,971 |
| Memoranda: | ||
| Average total assets | $233,868,500 | 2,630 |
| Average earning assets | $224,000,000 | 2,579 |
| Average equity | $20,023,000 | 3,156 |
| Average total loans | $163,856,000 | 2,534 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,280 |
| Cost of funding earning assets | 0.5911% | 1,665 |
| Net interest margin | 3.7225% | 2,706 |
| Noninterest income to average assets | 0.4879% | 3,076 |
| Noninterest expense to average assets | 2.4227% | 4,013 |
| Loan and lease loss provision to assets | 0.0747% | 2,709 |
| Net operating income to assets | 1.5387% | 742 |
| Return on assets (ROA) | 1.5387% | 754 |
| Pretax return on assets | 1.5444% | 1,472 |
| Return on Equity (ROE) | 17.7744% | 327 |
| Retained earnings to average equity (ytd only) | 3.8755% | 2,883 |
| Net charge-offs to loans | 0.1246% | 1,804 |
| Credit loss provision to net charge-offs | 86.7347% | 2,843 |
| Earnings coverage of net charge-offs (x) | 18.8112% | 2,059 |
| Efficiency ratio | 59.9413% | 4,275 |
| Assets per employee ($millions) | 4.5383% | 3,133 |
| Cash dividends to net income (ytd only)* | 78.1963% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 4,451 |
| Loan loss allowance to noncurrent loans | 214.6413% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 3,703 |
| Noncurrent loans to loans | 0.4219% | 3,267 |
| Net loans and leases to total assets | 69.3115% | 2,631 |
| Net loans and leases to deposits | 78.6493% | 3,047 |
| Net loans and leases to core deposits | 88.7871% | 2,663 |
| Total domestic deposits to total assets | 88.1273% | 1,420 |
| Equity capital to assets | 8.5006% | 5,124 |
| Core capital (leverage) ratio | 8.6277% | 5,018 |
| Tier 1 risk-based capital ratio | 11.1556% | 5,060 |
| Total risk-based capital ratio | 11.9830% | 5,177 |
| Memoranda: | ||
| Average total assets | $227,725,000 | 2,653 |
| Average earning assets | $217,408,600 | 2,605 |
| Average equity | $19,713,800 | 3,175 |
| Average total loans | $157,300,800 | 2,576 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 2,334 |
| Cost of funding earning assets | 0.5835% | 1,655 |
| Net interest margin | 3.6925% | 2,785 |
| Noninterest income to average assets | 0.4985% | 3,033 |
| Noninterest expense to average assets | 2.4180% | 3,972 |
| Loan and lease loss provision to assets | 0.0735% | 2,601 |
| Net operating income to assets | 1.5279% | 843 |
| Return on assets (ROA) | 1.5279% | 866 |
| Pretax return on assets | 1.5338% | 1,652 |
| Return on Equity (ROE) | 17.5691% | 370 |
| Retained earnings to average equity (ytd only) | 8.3080% | 1,092 |
| Net charge-offs to loans | 0.1674% | 1,239 |
| Credit loss provision to net charge-offs | 63.7755% | 2,762 |
| Earnings coverage of net charge-offs (x) | 13.9488% | 2,325 |
| Efficiency ratio | 60.0701% | 4,200 |
| Assets per employee ($millions) | 4.3870% | 3,331 |
| Cash dividends to net income (ytd only)* | 52.7125% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9011% | 4,565 |
| Loan loss allowance to noncurrent loans | 180.7888% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 3,663 |
| Noncurrent loans to loans | 0.4984% | 3,204 |
| Net loans and leases to total assets | 68.5045% | 2,774 |
| Net loans and leases to deposits | 76.2047% | 3,351 |
| Net loans and leases to core deposits | 86.5043% | 2,924 |
| Total domestic deposits to total assets | 89.8955% | 505 |
| Equity capital to assets | 8.8640% | 5,020 |
| Core capital (leverage) ratio | 8.8721% | 4,903 |
| Tier 1 risk-based capital ratio | 11.7566% | 4,802 |
| Total risk-based capital ratio | 12.5825% | 4,941 |
| Memoranda: | ||
| Average total assets | $226,792,500 | 2,687 |
| Average earning assets | $216,614,500 | 2,628 |
| Average equity | $19,723,500 | 3,195 |
| Average total loans | $156,153,250 | 2,607 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,327 |
| Cost of funding earning assets | 0.5781% | 1,589 |
| Net interest margin | 3.6608% | 2,792 |
| Noninterest income to average assets | 0.4736% | 3,191 |
| Noninterest expense to average assets | 2.4440% | 3,932 |
| Loan and lease loss provision to assets | 0.0530% | 2,918 |
| Net operating income to assets | 1.4694% | 919 |
| Return on assets (ROA) | 1.4694% | 938 |
| Pretax return on assets | 1.4738% | 1,744 |
| Return on Equity (ROE) | 17.0061% | 408 |
| Retained earnings to average equity (ytd only) | 10.0012% | 585 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5487% | 4,075 |
| Assets per employee ($millions) | 4.6363% | 2,880 |
| Cash dividends to net income (ytd only)* | 41.1906% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9895% | 4,216 |
| Loan loss allowance to noncurrent loans | 153.6634% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 3,281 |
| Noncurrent loans to loans | 0.6440% | 2,801 |
| Net loans and leases to total assets | 68.3552% | 2,756 |
| Net loans and leases to deposits | 76.0193% | 3,342 |
| Net loans and leases to core deposits | 86.5854% | 2,826 |
| Total domestic deposits to total assets | 89.9182% | 564 |
| Equity capital to assets | 8.7903% | 5,075 |
| Core capital (leverage) ratio | 8.8631% | 4,885 |
| Tier 1 risk-based capital ratio | 11.7931% | 4,764 |
| Total risk-based capital ratio | 12.7093% | 4,876 |
| Memoranda: | ||
| Average total assets | $226,348,330 | 2,712 |
| Average earning assets | $216,237,670 | 2,646 |
| Average equity | $19,557,670 | 3,204 |
| Average total loans | $155,638,670 | 2,624 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,268 |
| Cost of funding earning assets | 0.5778% | 1,526 |
| Net interest margin | 3.6265% | 2,794 |
| Noninterest income to average assets | 0.4692% | 3,196 |
| Noninterest expense to average assets | 2.4521% | 3,958 |
| Loan and lease loss provision to assets | 0.0531% | 2,744 |
| Net operating income to assets | 1.4164% | 969 |
| Return on assets (ROA) | 1.4164% | 998 |
| Pretax return on assets | 1.4199% | 1,818 |
| Return on Equity (ROE) | 16.5362% | 461 |
| Retained earnings to average equity (ytd only) | 16.5362% | 180 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4718% | 4,078 |
| Assets per employee ($millions) | 4.6441% | 2,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 4,376 |
| Loan loss allowance to noncurrent loans | 140.0184% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5141% | 3,170 |
| Noncurrent loans to loans | 0.7025% | 2,734 |
| Net loans and leases to total assets | 67.3247% | 2,771 |
| Net loans and leases to deposits | 74.7671% | 3,327 |
| Net loans and leases to core deposits | 87.7534% | 2,572 |
| Total domestic deposits to total assets | 90.0458% | 636 |
| Equity capital to assets | 8.6833% | 5,085 |
| Core capital (leverage) ratio | 8.8649% | 4,888 |
| Tier 1 risk-based capital ratio | 11.7826% | 4,864 |
| Total risk-based capital ratio | 12.6883% | 4,968 |
| Memoranda: | ||
| Average total assets | $225,932,000 | 2,740 |
| Average earning assets | $215,304,000 | 2,680 |
| Average equity | $19,351,500 | 3,248 |
| Average total loans | $155,037,000 | 2,637 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 1,906 |
| Cost of funding earning assets | 0.5878% | 1,431 |
| Net interest margin | 3.7852% | 2,370 |
| Noninterest income to average assets | 0.4866% | 3,317 |
| Noninterest expense to average assets | 2.4489% | 4,168 |
| Loan and lease loss provision to assets | 0.0472% | 3,447 |
| Net operating income to assets | 1.5944% | 687 |
| Return on assets (ROA) | 1.5944% | 712 |
| Pretax return on assets | 1.6020% | 1,270 |
| Return on Equity (ROE) | 18.2956% | 309 |
| Retained earnings to average equity (ytd only) | 2.0128% | 4,396 |
| Net charge-offs to loans | 0.2018% | 1,376 |
| Credit loss provision to net charge-offs | 33.8710% | 3,552 |
| Earnings coverage of net charge-offs (x) | 11.8290% | 2,508 |
| Efficiency ratio | 59.7564% | 4,623 |
| Assets per employee ($millions) | 4.5776% | 3,003 |
| Cash dividends to net income (ytd only)* | 88.9986% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 4,523 |
| Loan loss allowance to noncurrent loans | 124.7492% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 3,026 |
| Noncurrent loans to loans | 0.7699% | 2,605 |
| Net loans and leases to total assets | 68.5927% | 2,687 |
| Net loans and leases to deposits | 79.1349% | 2,981 |
| Net loans and leases to core deposits | 91.0891% | 2,393 |
| Total domestic deposits to total assets | 86.6782% | 2,297 |
| Equity capital to assets | 8.4453% | 5,311 |
| Core capital (leverage) ratio | 8.5635% | 5,199 |
| Tier 1 risk-based capital ratio | 11.3439% | 5,146 |
| Total risk-based capital ratio | 12.2347% | 5,246 |
| Memoranda: | ||
| Average total assets | $222,344,600 | 2,737 |
| Average earning assets | $212,143,600 | 2,681 |
| Average equity | $19,376,200 | 3,229 |
| Average total loans | $153,654,600 | 2,596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 1,895 |
| Cost of funding earning assets | 0.5889% | 1,422 |
| Net interest margin | 3.7996% | 2,332 |
| Noninterest income to average assets | 0.4952% | 3,286 |
| Noninterest expense to average assets | 2.4310% | 4,192 |
| Loan and lease loss provision to assets | 0.0451% | 3,339 |
| Net operating income to assets | 1.6359% | 677 |
| Return on assets (ROA) | 1.6359% | 715 |
| Pretax return on assets | 1.6449% | 1,264 |
| Return on Equity (ROE) | 18.6263% | 322 |
| Retained earnings to average equity (ytd only) | 9.2516% | 746 |
| Net charge-offs to loans | 0.1401% | 1,591 |
| Credit loss provision to net charge-offs | 46.5839% | 3,079 |
| Earnings coverage of net charge-offs (x) | 17.4659% | 2,048 |
| Efficiency ratio | 58.9908% | 4,687 |
| Assets per employee ($millions) | 4.5328% | 3,034 |
| Cash dividends to net income (ytd only)* | 50.3306% | 1,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 4,180 |
| Loan loss allowance to noncurrent loans | 104.8828% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 2,692 |
| Noncurrent loans to loans | 0.9916% | 2,261 |
| Net loans and leases to total assets | 69.0181% | 2,640 |
| Net loans and leases to deposits | 77.4525% | 3,248 |
| Net loans and leases to core deposits | 89.3884% | 2,634 |
| Total domestic deposits to total assets | 89.1102% | 847 |
| Equity capital to assets | 9.0119% | 5,166 |
| Core capital (leverage) ratio | 9.0625% | 4,764 |
| Tier 1 risk-based capital ratio | 12.0383% | 4,767 |
| Total risk-based capital ratio | 13.0098% | 4,841 |
| Memoranda: | ||
| Average total assets | $221,855,500 | 2,747 |
| Average earning assets | $211,702,750 | 2,688 |
| Average equity | $19,484,500 | 3,237 |
| Average total loans | $153,231,750 | 2,604 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4150% | 1,788 |
| Cost of funding earning assets | 0.5935% | 1,368 |
| Net interest margin | 3.8214% | 2,235 |
| Noninterest income to average assets | 0.4662% | 3,426 |
| Noninterest expense to average assets | 2.4476% | 4,194 |
| Loan and lease loss provision to assets | 0.0406% | 3,346 |
| Net operating income to assets | 1.6098% | 706 |
| Return on assets (ROA) | 1.6098% | 755 |
| Pretax return on assets | 1.6188% | 1,311 |
| Return on Equity (ROE) | 18.4904% | 330 |
| Retained earnings to average equity (ytd only) | 11.3946% | 391 |
| Net charge-offs to loans | 0.2109% | 1,112 |
| Credit loss provision to net charge-offs | 27.9503% | 2,875 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 2,259 |
| Efficiency ratio | 59.5960% | 4,696 |
| Assets per employee ($millions) | 4.5031% | 3,024 |
| Cash dividends to net income (ytd only)* | 38.3754% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 4,308 |
| Loan loss allowance to noncurrent loans | 99.8106% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 2,665 |
| Noncurrent loans to loans | 1.0388% | 2,204 |
| Net loans and leases to total assets | 68.3917% | 2,727 |
| Net loans and leases to deposits | 77.5668% | 3,204 |
| Net loans and leases to core deposits | 89.3152% | 2,601 |
| Total domestic deposits to total assets | 88.1714% | 1,341 |
| Equity capital to assets | 8.9644% | 5,263 |
| Core capital (leverage) ratio | 8.8294% | 5,022 |
| Tier 1 risk-based capital ratio | 11.9668% | 4,845 |
| Total risk-based capital ratio | 12.9268% | 4,945 |
| Memoranda: | ||
| Average total assets | $221,771,670 | 2,759 |
| Average earning assets | $211,282,000 | 2,703 |
| Average equity | $19,307,330 | 3,265 |
| Average total loans | $152,674,000 | 2,617 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,043 |
| Cost of funding earning assets | 0.5913% | 1,393 |
| Net interest margin | 3.7348% | 2,540 |
| Noninterest income to average assets | 0.4318% | 3,602 |
| Noninterest expense to average assets | 2.4576% | 4,202 |
| Loan and lease loss provision to assets | 0.0270% | 3,310 |
| Net operating income to assets | 1.4951% | 863 |
| Return on assets (ROA) | 1.4951% | 905 |
| Pretax return on assets | 1.5041% | 1,570 |
| Return on Equity (ROE) | 17.4296% | 399 |
| Retained earnings to average equity (ytd only) | 17.4296% | 140 |
| Net charge-offs to loans | 0.4216% | 532 |
| Credit loss provision to net charge-offs | 9.3168% | 2,364 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,338 |
| Efficiency ratio | 61.6148% | 4,504 |
| Assets per employee ($millions) | 4.4250% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 4,657 |
| Loan loss allowance to noncurrent loans | 96.9375% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 2,790 |
| Noncurrent loans to loans | 1.0229% | 2,338 |
| Net loans and leases to total assets | 68.6227% | 2,557 |
| Net loans and leases to deposits | 76.1769% | 3,200 |
| Net loans and leases to core deposits | 87.3955% | 2,624 |
| Total domestic deposits to total assets | 90.0834% | 567 |
| Equity capital to assets | 8.6448% | 5,463 |
| Core capital (leverage) ratio | 8.7314% | 5,144 |
| Tier 1 risk-based capital ratio | 11.4295% | 5,266 |
| Total risk-based capital ratio | 12.3414% | 5,366 |
| Memoranda: | ||
| Average total assets | $222,332,000 | 2,761 |
| Average earning assets | $211,739,000 | 2,700 |
| Average equity | $19,071,000 | 3,294 |
| Average total loans | $152,767,000 | 2,611 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,873 |
| Cost of funding earning assets | 0.6081% | 1,323 |
| Net interest margin | 3.8002% | 2,376 |
| Noninterest income to average assets | 0.4701% | 3,530 |
| Noninterest expense to average assets | 2.4089% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.6826% | 596 |
| Return on assets (ROA) | 1.6826% | 613 |
| Pretax return on assets | 1.6922% | 1,014 |
| Return on Equity (ROE) | 19.3493% | 282 |
| Retained earnings to average equity (ytd only) | 2.0656% | 4,553 |
| Net charge-offs to loans | -0.0130% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7374% | 5,059 |
| Assets per employee ($millions) | 4.2114% | 3,547 |
| Cash dividends to net income (ytd only)* | 89.3246% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 3,814 |
| Loan loss allowance to noncurrent loans | 223.5837% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4032% | 3,985 |
| Noncurrent loans to loans | 0.5090% | 3,660 |
| Net loans and leases to total assets | 67.3192% | 2,820 |
| Net loans and leases to deposits | 74.6347% | 3,415 |
| Net loans and leases to core deposits | 86.2224% | 2,778 |
| Total domestic deposits to total assets | 90.1982% | 543 |
| Equity capital to assets | 8.5086% | 5,557 |
| Core capital (leverage) ratio | 8.4796% | 5,455 |
| Tier 1 risk-based capital ratio | 11.4927% | 5,261 |
| Total risk-based capital ratio | 12.5408% | 5,276 |
| Memoranda: | ||
| Average total assets | $218,230,600 | 2,761 |
| Average earning assets | $208,516,200 | 2,686 |
| Average equity | $18,977,400 | 3,266 |
| Average total loans | $146,005,000 | 2,655 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 1,941 |
| Cost of funding earning assets | 0.6115% | 1,335 |
| Net interest margin | 3.7812% | 2,458 |
| Noninterest income to average assets | 0.4990% | 3,372 |
| Noninterest expense to average assets | 2.3805% | 4,567 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.7232% | 596 |
| Return on assets (ROA) | 1.7232% | 620 |
| Pretax return on assets | 1.7330% | 1,023 |
| Return on Equity (ROE) | 19.7091% | 289 |
| Retained earnings to average equity (ytd only) | 8.2389% | 1,145 |
| Net charge-offs to loans | 0.0055% | 3,979 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 472.3213% | 154 |
| Efficiency ratio | 57.8713% | 5,134 |
| Assets per employee ($millions) | 4.2981% | 3,322 |
| Cash dividends to net income (ytd only)* | 58.1972% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 4,181 |
| Loan loss allowance to noncurrent loans | 206.1652% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4457% | 4,008 |
| Noncurrent loans to loans | 0.5375% | 3,730 |
| Net loans and leases to total assets | 68.0646% | 2,667 |
| Net loans and leases to deposits | 76.9698% | 3,200 |
| Net loans and leases to core deposits | 88.3456% | 2,630 |
| Total domestic deposits to total assets | 88.4303% | 1,319 |
| Equity capital to assets | 8.8808% | 5,415 |
| Core capital (leverage) ratio | 8.8584% | 5,171 |
| Tier 1 risk-based capital ratio | 11.9370% | 5,115 |
| Total risk-based capital ratio | 12.9661% | 5,177 |
| Memoranda: | ||
| Average total assets | $218,040,500 | 2,785 |
| Average earning assets | $208,431,500 | 2,717 |
| Average equity | $19,063,500 | 3,292 |
| Average total loans | $145,226,250 | 2,676 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 1,988 |
| Cost of funding earning assets | 0.6124% | 1,326 |
| Net interest margin | 3.7447% | 2,529 |
| Noninterest income to average assets | 0.5118% | 3,291 |
| Noninterest expense to average assets | 2.3965% | 4,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6852% | 638 |
| Return on assets (ROA) | 1.6852% | 669 |
| Pretax return on assets | 1.6944% | 1,094 |
| Return on Equity (ROE) | 19.3777% | 301 |
| Retained earnings to average equity (ytd only) | 10.7137% | 546 |
| Net charge-offs to loans | 0.0084% | 3,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 307.3333% | 224 |
| Efficiency ratio | 58.5804% | 5,157 |
| Assets per employee ($millions) | 4.3440% | 3,224 |
| Cash dividends to net income (ytd only)* | 44.7110% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1399% | 4,133 |
| Loan loss allowance to noncurrent loans | 209.2616% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 4,181 |
| Noncurrent loans to loans | 0.5447% | 3,819 |
| Net loans and leases to total assets | 65.4549% | 3,058 |
| Net loans and leases to deposits | 73.4537% | 3,559 |
| Net loans and leases to core deposits | 84.2587% | 2,956 |
| Total domestic deposits to total assets | 89.1104% | 1,090 |
| Equity capital to assets | 8.6941% | 5,529 |
| Core capital (leverage) ratio | 8.8251% | 5,195 |
| Tier 1 risk-based capital ratio | 12.0733% | 5,092 |
| Total risk-based capital ratio | 13.1230% | 5,131 |
| Memoranda: | ||
| Average total assets | $217,653,330 | 2,808 |
| Average earning assets | $208,029,330 | 2,733 |
| Average equity | $18,929,000 | 3,324 |
| Average total loans | $143,344,670 | 2,710 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3551% | 1,925 |
| Cost of funding earning assets | 0.6188% | 1,312 |
| Net interest margin | 3.7363% | 2,487 |
| Noninterest income to average assets | 0.5378% | 3,035 |
| Noninterest expense to average assets | 2.4311% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6689% | 633 |
| Return on assets (ROA) | 1.6689% | 664 |
| Pretax return on assets | 1.6782% | 1,095 |
| Return on Equity (ROE) | 19.1867% | 312 |
| Retained earnings to average equity (ytd only) | 19.1867% | 112 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1606% | 5,202 |
| Assets per employee ($millions) | 4.2163% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 4,070 |
| Loan loss allowance to noncurrent loans | 199.2874% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4598% | 4,190 |
| Noncurrent loans to loans | 0.5933% | 3,799 |
| Net loans and leases to total assets | 63.9642% | 3,093 |
| Net loans and leases to deposits | 71.8397% | 3,546 |
| Net loans and leases to core deposits | 82.6637% | 2,897 |
| Total domestic deposits to total assets | 89.0374% | 1,238 |
| Equity capital to assets | 8.7691% | 5,531 |
| Core capital (leverage) ratio | 8.9230% | 5,047 |
| Tier 1 risk-based capital ratio | 12.2660% | 5,068 |
| Total risk-based capital ratio | 13.3426% | 5,084 |
| Memoranda: | ||
| Average total assets | $215,709,000 | 2,846 |
| Average earning assets | $206,194,000 | 2,770 |
| Average equity | $18,763,000 | 3,359 |
| Average total loans | $141,676,000 | 2,738 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,999 |
| Cost of funding earning assets | 0.6604% | 1,336 |
| Net interest margin | 3.8075% | 2,602 |
| Noninterest income to average assets | 0.4212% | 4,027 |
| Noninterest expense to average assets | 2.4618% | 4,667 |
| Loan and lease loss provision to assets | 0.0212% | 4,188 |
| Net operating income to assets | 1.5530% | 790 |
| Return on assets (ROA) | 1.5544% | 819 |
| Pretax return on assets | 1.5633% | 1,343 |
| Return on Equity (ROE) | 17.7740% | 420 |
| Retained earnings to average equity (ytd only) | 2.0419% | 4,759 |
| Net charge-offs to loans | 0.0590% | 3,660 |
| Credit loss provision to net charge-offs | 54.8780% | 3,381 |
| Earnings coverage of net charge-offs (x) | 40.9756% | 1,064 |
| Efficiency ratio | 60.8620% | 5,097 |
| Assets per employee ($millions) | 4.0032% | 3,946 |
| Cash dividends to net income (ytd only)* | 88.5117% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 4,088 |
| Loan loss allowance to noncurrent loans | 194.2130% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.4855% | 4,187 |
| Noncurrent loans to loans | 0.6109% | 3,849 |
| Net loans and leases to total assets | 65.8697% | 2,904 |
| Net loans and leases to deposits | 73.9502% | 3,444 |
| Net loans and leases to core deposits | 85.4752% | 2,737 |
| Total domestic deposits to total assets | 89.0730% | 1,199 |
| Equity capital to assets | 8.6251% | 5,629 |
| Core capital (leverage) ratio | 8.5860% | 5,462 |
| Tier 1 risk-based capital ratio | 11.5024% | 5,660 |
| Total risk-based capital ratio | 12.5619% | 5,685 |
| Memoranda: | ||
| Average total assets | $212,242,200 | 2,857 |
| Average earning assets | $201,995,000 | 2,788 |
| Average equity | $18,560,800 | 3,340 |
| Average total loans | $139,070,600 | 2,723 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,927 |
| Cost of funding earning assets | 0.6615% | 1,379 |
| Net interest margin | 3.8246% | 2,527 |
| Noninterest income to average assets | 0.4146% | 4,140 |
| Noninterest expense to average assets | 2.4253% | 4,743 |
| Loan and lease loss provision to assets | 0.0283% | 3,842 |
| Net operating income to assets | 1.5873% | 774 |
| Return on assets (ROA) | 1.5892% | 803 |
| Pretax return on assets | 1.5980% | 1,329 |
| Return on Equity (ROE) | 18.1104% | 429 |
| Retained earnings to average equity (ytd only) | 7.6593% | 1,508 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8883% | 5,192 |
| Assets per employee ($millions) | 4.0304% | 3,812 |
| Cash dividends to net income (ytd only)* | 57.7076% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 3,603 |
| Loan loss allowance to noncurrent loans | 180.1433% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 4,270 |
| Noncurrent loans to loans | 0.7264% | 3,784 |
| Net loans and leases to total assets | 62.1367% | 3,464 |
| Net loans and leases to deposits | 70.2602% | 3,892 |
| Net loans and leases to core deposits | 79.7366% | 3,344 |
| Total domestic deposits to total assets | 88.4380% | 1,538 |
| Equity capital to assets | 8.8904% | 5,472 |
| Core capital (leverage) ratio | 8.9231% | 5,167 |
| Tier 1 risk-based capital ratio | 12.4137% | 5,218 |
| Total risk-based capital ratio | 13.5693% | 5,212 |
| Memoranda: | ||
| Average total assets | $212,259,750 | 2,883 |
| Average earning assets | $201,743,250 | 2,808 |
| Average equity | $18,626,000 | 3,347 |
| Average total loans | $138,479,500 | 2,753 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5165% | 1,782 |
| Cost of funding earning assets | 0.6657% | 1,405 |
| Net interest margin | 3.8508% | 2,375 |
| Noninterest income to average assets | 0.3994% | 4,251 |
| Noninterest expense to average assets | 2.4428% | 4,763 |
| Loan and lease loss provision to assets | 0.0283% | 3,710 |
| Net operating income to assets | 1.5788% | 741 |
| Return on assets (ROA) | 1.5816% | 773 |
| Pretax return on assets | 1.5911% | 1,274 |
| Return on Equity (ROE) | 18.1039% | 450 |
| Retained earnings to average equity (ytd only) | 10.2138% | 676 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1768% | 5,269 |
| Assets per employee ($millions) | 4.0473% | 3,741 |
| Cash dividends to net income (ytd only)* | 43.5821% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 4,156 |
| Loan loss allowance to noncurrent loans | 168.1118% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 4,279 |
| Noncurrent loans to loans | 0.7439% | 3,839 |
| Net loans and leases to total assets | 65.4734% | 2,837 |
| Net loans and leases to deposits | 75.6261% | 3,108 |
| Net loans and leases to core deposits | 85.9635% | 2,518 |
| Total domestic deposits to total assets | 86.5752% | 2,718 |
| Equity capital to assets | 8.9760% | 5,320 |
| Core capital (leverage) ratio | 8.9157% | 5,141 |
| Tier 1 risk-based capital ratio | 12.0471% | 5,517 |
| Total risk-based capital ratio | 13.1663% | 5,509 |
| Memoranda: | ||
| Average total assets | $211,808,670 | 2,896 |
| Average earning assets | $201,306,670 | 2,823 |
| Average equity | $18,504,330 | 3,364 |
| Average total loans | $139,808,670 | 2,733 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 1,775 |
| Cost of funding earning assets | 0.6637% | 1,488 |
| Net interest margin | 3.8494% | 2,272 |
| Noninterest income to average assets | 0.3859% | 4,302 |
| Noninterest expense to average assets | 2.4303% | 4,843 |
| Loan and lease loss provision to assets | 0.0282% | 3,459 |
| Net operating income to assets | 1.5757% | 691 |
| Return on assets (ROA) | 1.5757% | 721 |
| Pretax return on assets | 1.5851% | 1,205 |
| Return on Equity (ROE) | 18.2841% | 419 |
| Retained earnings to average equity (ytd only) | 18.2841% | 171 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1024% | 5,393 |
| Assets per employee ($millions) | 4.1555% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 4,406 |
| Loan loss allowance to noncurrent loans | 169.7743% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 4,485 |
| Noncurrent loans to loans | 0.7337% | 4,031 |
| Net loans and leases to total assets | 64.7192% | 2,773 |
| Net loans and leases to deposits | 73.5774% | 3,121 |
| Net loans and leases to core deposits | 83.1117% | 2,632 |
| Total domestic deposits to total assets | 87.9607% | 2,251 |
| Equity capital to assets | 8.8482% | 5,275 |
| Core capital (leverage) ratio | 8.7627% | 5,308 |
| Tier 1 risk-based capital ratio | 11.9907% | 5,653 |
| Total risk-based capital ratio | 13.1015% | 5,662 |
| Memoranda: | ||
| Average total assets | $212,482,500 | 2,893 |
| Average earning assets | $201,903,000 | 2,833 |
| Average equity | $18,311,000 | 3,385 |
| Average total loans | $139,942,500 | 2,740 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 2,021 |
| Cost of funding earning assets | 0.7306% | 1,619 |
| Net interest margin | 3.8230% | 2,562 |
| Noninterest income to average assets | 0.4895% | 3,822 |
| Noninterest expense to average assets | 2.3320% | 5,281 |
| Loan and lease loss provision to assets | 0.0290% | 4,535 |
| Net operating income to assets | 1.7619% | 518 |
| Return on assets (ROA) | 1.7619% | 536 |
| Pretax return on assets | 1.7706% | 809 |
| Return on Equity (ROE) | 20.2616% | 269 |
| Retained earnings to average equity (ytd only) | 4.2577% | 3,146 |
| Net charge-offs to loans | 0.0225% | 4,981 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 124.2667% | 378 |
| Efficiency ratio | 56.4435% | 5,901 |
| Assets per employee ($millions) | 4.0968% | 3,662 |
| Cash dividends to net income (ytd only)* | 78.9863% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 4,566 |
| Loan loss allowance to noncurrent loans | 168.3023% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 4,566 |
| Noncurrent loans to loans | 0.7227% | 4,161 |
| Net loans and leases to total assets | 65.3792% | 2,797 |
| Net loans and leases to deposits | 75.7508% | 2,990 |
| Net loans and leases to core deposits | 85.5444% | 2,501 |
| Total domestic deposits to total assets | 86.3083% | 3,109 |
| Equity capital to assets | 8.3883% | 5,707 |
| Core capital (leverage) ratio | 8.6058% | 5,532 |
| Tier 1 risk-based capital ratio | 11.3013% | 6,023 |
| Total risk-based capital ratio | 12.3879% | 6,056 |
| Memoranda: | ||
| Average total assets | $207,158,200 | 2,947 |
| Average earning assets | $197,358,800 | 2,859 |
| Average equity | $18,014,400 | 3,415 |
| Average total loans | $133,520,600 | 2,797 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 2,008 |
| Cost of funding earning assets | 0.7463% | 1,626 |
| Net interest margin | 3.8135% | 2,595 |
| Noninterest income to average assets | 0.5367% | 3,545 |
| Noninterest expense to average assets | 2.3277% | 5,248 |
| Loan and lease loss provision to assets | 0.0292% | 4,423 |
| Net operating income to assets | 1.8079% | 517 |
| Return on assets (ROA) | 1.8079% | 537 |
| Pretax return on assets | 1.8169% | 865 |
| Return on Equity (ROE) | 20.6009% | 267 |
| Retained earnings to average equity (ytd only) | 9.0116% | 1,050 |
| Net charge-offs to loans | 0.0111% | 4,919 |
| Credit loss provision to net charge-offs | 409.0909% | 652 |
| Earnings coverage of net charge-offs (x) | 258.8439% | 226 |
| Efficiency ratio | 55.7695% | 5,932 |
| Assets per employee ($millions) | 3.8924% | 4,048 |
| Cash dividends to net income (ytd only)* | 56.2568% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 4,342 |
| Loan loss allowance to noncurrent loans | 158.7258% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 4,585 |
| Noncurrent loans to loans | 0.8241% | 4,186 |
| Net loans and leases to total assets | 62.8670% | 3,190 |
| Net loans and leases to deposits | 70.0447% | 3,783 |
| Net loans and leases to core deposits | 79.4898% | 3,180 |
| Total domestic deposits to total assets | 89.7527% | 1,134 |
| Equity capital to assets | 8.9123% | 5,289 |
| Core capital (leverage) ratio | 8.8931% | 5,269 |
| Tier 1 risk-based capital ratio | 12.4167% | 5,508 |
| Total risk-based capital ratio | 13.5836% | 5,490 |
| Memoranda: | ||
| Average total assets | $205,689,250 | 2,980 |
| Average earning assets | $196,175,250 | 2,895 |
| Average equity | $18,050,500 | 3,449 |
| Average total loans | $131,652,000 | 2,843 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 1,959 |
| Cost of funding earning assets | 0.7571% | 1,660 |
| Net interest margin | 3.8119% | 2,510 |
| Noninterest income to average assets | 0.5373% | 3,593 |
| Noninterest expense to average assets | 2.3252% | 5,292 |
| Loan and lease loss provision to assets | 0.0292% | 4,343 |
| Net operating income to assets | 1.8103% | 507 |
| Return on assets (ROA) | 1.8103% | 546 |
| Pretax return on assets | 1.8191% | 896 |
| Return on Equity (ROE) | 20.7373% | 263 |
| Retained earnings to average equity (ytd only) | 12.2083% | 459 |
| Net charge-offs to loans | 0.0167% | 4,507 |
| Credit loss provision to net charge-offs | 272.7273% | 927 |
| Earnings coverage of net charge-offs (x) | 172.6364% | 288 |
| Efficiency ratio | 55.7136% | 5,997 |
| Assets per employee ($millions) | 3.9311% | 3,955 |
| Cash dividends to net income (ytd only)* | 41.1290% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,376 |
| Loan loss allowance to noncurrent loans | 156.0440% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 4,638 |
| Noncurrent loans to loans | 0.8504% | 4,223 |
| Net loans and leases to total assets | 61.9852% | 3,286 |
| Net loans and leases to deposits | 69.1081% | 3,844 |
| Net loans and leases to core deposits | 78.2821% | 3,255 |
| Total domestic deposits to total assets | 89.6932% | 1,211 |
| Equity capital to assets | 8.9302% | 5,294 |
| Core capital (leverage) ratio | 8.8667% | 5,197 |
| Tier 1 risk-based capital ratio | 12.5860% | 5,439 |
| Total risk-based capital ratio | 13.7666% | 5,428 |
| Memoranda: | ||
| Average total assets | $205,486,000 | 2,997 |
| Average earning assets | $196,018,330 | 2,914 |
| Average equity | $17,938,670 | 3,494 |
| Average total loans | $131,731,670 | 2,849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 1,874 |
| Cost of funding earning assets | 0.7728% | 1,691 |
| Net interest margin | 3.8132% | 2,398 |
| Noninterest income to average assets | 0.4834% | 3,897 |
| Noninterest expense to average assets | 2.3124% | 5,390 |
| Loan and lease loss provision to assets | 0.0291% | 4,089 |
| Net operating income to assets | 1.7629% | 501 |
| Return on assets (ROA) | 1.7629% | 554 |
| Pretax return on assets | 1.7726% | 932 |
| Return on Equity (ROE) | 20.4269% | 268 |
| Retained earnings to average equity (ytd only) | 20.4269% | 126 |
| Net charge-offs to loans | 0.0360% | 3,520 |
| Credit loss provision to net charge-offs | 125.0000% | 1,549 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 481 |
| Efficiency ratio | 56.2058% | 6,042 |
| Assets per employee ($millions) | 4.0221% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 4,827 |
| Loan loss allowance to noncurrent loans | 151.9352% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6357% | 4,788 |
| Noncurrent loans to loans | 0.8384% | 4,444 |
| Net loans and leases to total assets | 63.7784% | 2,752 |
| Net loans and leases to deposits | 71.0409% | 3,322 |
| Net loans and leases to core deposits | 79.2525% | 2,897 |
| Total domestic deposits to total assets | 89.7770% | 1,178 |
| Equity capital to assets | 8.8862% | 5,628 |
| Core capital (leverage) ratio | 8.7099% | 5,315 |
| Tier 1 risk-based capital ratio | 12.1390% | 5,829 |
| Total risk-based capital ratio | 13.2787% | 5,856 |
| Memoranda: | ||
| Average total assets | $206,020,000 | 3,025 |
| Average earning assets | $196,163,000 | 2,942 |
| Average equity | $17,780,500 | 3,555 |
| Average total loans | $133,391,000 | 2,830 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 2,167 |
| Cost of funding earning assets | 0.8480% | 2,305 |
| Net interest margin | 3.9584% | 2,572 |
| Noninterest income to average assets | 0.6150% | 3,201 |
| Noninterest expense to average assets | 2.3787% | 5,475 |
| Loan and lease loss provision to assets | 0.0152% | 5,713 |
| Net operating income to assets | 1.9757% | 370 |
| Return on assets (ROA) | 1.9757% | 404 |
| Pretax return on assets | 1.9863% | 623 |
| Return on Equity (ROE) | 22.9562% | 184 |
| Retained earnings to average equity (ytd only) | 7.6992% | 1,236 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3056% | 6,239 |
| Assets per employee ($millions) | 3.9040% | 4,147 |
| Cash dividends to net income (ytd only)* | 66.4614% | 1,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 64.0764% | 2,886 |
| Net loans and leases to deposits | 71.6429% | 3,471 |
| Net loans and leases to core deposits | 80.4465% | 2,949 |
| Total domestic deposits to total assets | 89.4386% | 1,280 |
| Equity capital to assets | 8.3769% | 6,136 |
| Core capital (leverage) ratio | 8.5045% | 5,604 |
| Tier 1 risk-based capital ratio | 11.3703% | 6,176 |
| Total risk-based capital ratio | 12.4926% | 6,215 |
| Memoranda: | ||
| Average total assets | $197,250,400 | 3,081 |
| Average earning assets | $187,625,800 | 2,990 |
| Average equity | $16,975,800 | 3,637 |
| Average total loans | $125,690,400 | 2,967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 2,373 |
| Cost of funding earning assets | 0.8630% | 2,442 |
| Net interest margin | 3.9435% | 2,735 |
| Noninterest income to average assets | 0.5988% | 3,282 |
| Noninterest expense to average assets | 2.3493% | 5,547 |
| Loan and lease loss provision to assets | 0.0103% | 5,678 |
| Net operating income to assets | 1.9839% | 391 |
| Return on assets (ROA) | 1.9839% | 445 |
| Pretax return on assets | 1.9948% | 708 |
| Return on Equity (ROE) | 22.8895% | 196 |
| Retained earnings to average equity (ytd only) | 12.6252% | 424 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9525% | 6,255 |
| Assets per employee ($millions) | 3.8098% | 4,282 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,934 |
| Loan loss allowance to noncurrent loans | 11,928.5714% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 6,454 |
| Noncurrent loans to loans | 0.0107% | 6,638 |
| Net loans and leases to total assets | 65.3800% | 2,755 |
| Net loans and leases to deposits | 73.9733% | 3,287 |
| Net loans and leases to core deposits | 83.9583% | 2,705 |
| Total domestic deposits to total assets | 88.3833% | 1,796 |
| Equity capital to assets | 8.9117% | 5,909 |
| Core capital (leverage) ratio | 8.8018% | 5,346 |
| Tier 1 risk-based capital ratio | 11.8530% | 6,023 |
| Total risk-based capital ratio | 12.9931% | 6,067 |
| Memoranda: | ||
| Average total assets | $194,834,500 | 3,147 |
| Average earning assets | $185,547,750 | 3,045 |
| Average equity | $16,886,500 | 3,679 |
| Average total loans | $123,546,000 | 3,041 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 2,650 |
| Cost of funding earning assets | 0.8730% | 2,635 |
| Net interest margin | 3.8947% | 2,927 |
| Noninterest income to average assets | 0.5389% | 3,659 |
| Noninterest expense to average assets | 2.3733% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8581% | 503 |
| Return on assets (ROA) | 1.8581% | 575 |
| Pretax return on assets | 1.8685% | 904 |
| Return on Equity (ROE) | 21.6472% | 262 |
| Retained earnings to average equity (ytd only) | 13.8302% | 362 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9504% | 6,120 |
| Assets per employee ($millions) | 3.6687% | 4,595 |
| Cash dividends to net income (ytd only)* | 36.1111% | 2,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,854 |
| Loan loss allowance to noncurrent loans | 3,677.7778% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 6,475 |
| Noncurrent loans to loans | 0.0356% | 6,594 |
| Net loans and leases to total assets | 64.2044% | 2,989 |
| Net loans and leases to deposits | 72.2502% | 3,579 |
| Net loans and leases to core deposits | 81.9568% | 2,966 |
| Total domestic deposits to total assets | 88.8639% | 1,595 |
| Equity capital to assets | 8.8197% | 5,892 |
| Core capital (leverage) ratio | 8.6505% | 5,451 |
| Tier 1 risk-based capital ratio | 11.8740% | 6,010 |
| Total risk-based capital ratio | 13.0359% | 6,045 |
| Memoranda: | ||
| Average total assets | $193,742,330 | 3,168 |
| Average earning assets | $184,201,330 | 3,069 |
| Average equity | $16,630,330 | 3,712 |
| Average total loans | $120,996,330 | 3,114 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 2,843 |
| Cost of funding earning assets | 0.8823% | 2,818 |
| Net interest margin | 3.8692% | 3,058 |
| Noninterest income to average assets | 0.5584% | 3,509 |
| Noninterest expense to average assets | 2.3930% | 5,497 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8284% | 569 |
| Return on assets (ROA) | 1.8284% | 641 |
| Pretax return on assets | 1.8387% | 998 |
| Return on Equity (ROE) | 21.5992% | 290 |
| Retained earnings to average equity (ytd only) | 21.5992% | 141 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5494% | 6,067 |
| Assets per employee ($millions) | 3.7058% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 4,718 |
| Loan loss allowance to noncurrent loans | 3,521.2766% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 6,576 |
| Noncurrent loans to loans | 0.0390% | 6,660 |
| Net loans and leases to total assets | 60.5251% | 3,550 |
| Net loans and leases to deposits | 67.8917% | 4,081 |
| Net loans and leases to core deposits | 75.9842% | 3,623 |
| Total domestic deposits to total assets | 89.1495% | 1,599 |
| Equity capital to assets | 8.5888% | 6,003 |
| Core capital (leverage) ratio | 8.6102% | 5,433 |
| Tier 1 risk-based capital ratio | 12.2506% | 5,793 |
| Total risk-based capital ratio | 13.4685% | 5,786 |
| Memoranda: | ||
| Average total assets | $193,393,500 | 3,190 |
| Average earning assets | $183,602,500 | 3,101 |
| Average equity | $16,371,000 | 3,755 |
| Average total loans | $118,247,500 | 3,192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 2,853 |
| Cost of funding earning assets | 0.9846% | 3,481 |
| Net interest margin | 4.0230% | 2,773 |
| Noninterest income to average assets | 0.4986% | 3,852 |
| Noninterest expense to average assets | 2.4335% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.8618% | 412 |
| Return on assets (ROA) | 1.8618% | 446 |
| Pretax return on assets | 1.8763% | 698 |
| Return on Equity (ROE) | 22.0977% | 178 |
| Retained earnings to average equity (ytd only) | 6.3327% | 1,837 |
| Net charge-offs to loans | 0.0050% | 6,363 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 582.0000% | 52 |
| Efficiency ratio | 56.4643% | 6,254 |
| Assets per employee ($millions) | 3.5921% | 4,788 |
| Cash dividends to net income (ytd only)* | 71.3420% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 4,345 |
| Loan loss allowance to noncurrent loans | 3,447.9167% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 6,623 |
| Noncurrent loans to loans | 0.0414% | 6,723 |
| Net loans and leases to total assets | 60.0428% | 3,979 |
| Net loans and leases to deposits | 67.2277% | 4,551 |
| Net loans and leases to core deposits | 75.6099% | 4,036 |
| Total domestic deposits to total assets | 89.3125% | 1,358 |
| Equity capital to assets | 8.3375% | 6,315 |
| Core capital (leverage) ratio | 8.3323% | 5,810 |
| Tier 1 risk-based capital ratio | 11.9975% | 5,841 |
| Total risk-based capital ratio | 13.2479% | 5,811 |
| Memoranda: | ||
| Average total assets | $186,110,400 | 3,245 |
| Average earning assets | $176,312,800 | 3,139 |
| Average equity | $15,680,400 | 3,773 |
| Average total loans | $119,048,400 | 3,195 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0294% | 2,940 |
| Cost of funding earning assets | 1.0018% | 3,667 |
| Net interest margin | 4.0276% | 2,790 |
| Noninterest income to average assets | 0.4734% | 4,101 |
| Noninterest expense to average assets | 2.4152% | 5,721 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8611% | 457 |
| Return on assets (ROA) | 1.8611% | 492 |
| Pretax return on assets | 1.8763% | 825 |
| Return on Equity (ROE) | 22.0308% | 218 |
| Retained earnings to average equity (ytd only) | 11.1818% | 598 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2794% | 6,241 |
| Assets per employee ($millions) | 3.5317% | 4,921 |
| Cash dividends to net income (ytd only)* | 49.2452% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,709 |
| Loan loss allowance to noncurrent loans | 2,025.6098% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 6,600 |
| Noncurrent loans to loans | 0.0674% | 6,761 |
| Net loans and leases to total assets | 62.9216% | 3,525 |
| Net loans and leases to deposits | 70.5453% | 4,210 |
| Net loans and leases to core deposits | 79.0018% | 3,774 |
| Total domestic deposits to total assets | 89.1931% | 1,308 |
| Equity capital to assets | 8.4908% | 6,306 |
| Core capital (leverage) ratio | 8.6187% | 5,521 |
| Tier 1 risk-based capital ratio | 11.8994% | 5,960 |
| Total risk-based capital ratio | 13.1284% | 5,958 |
| Memoranda: | ||
| Average total assets | $185,042,750 | 3,275 |
| Average earning assets | $175,419,000 | 3,166 |
| Average equity | $15,632,250 | 3,799 |
| Average total loans | $119,819,250 | 3,204 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0351% | 2,993 |
| Cost of funding earning assets | 1.0275% | 3,758 |
| Net interest margin | 4.0076% | 2,801 |
| Noninterest income to average assets | 0.4193% | 4,519 |
| Noninterest expense to average assets | 2.4854% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7166% | 580 |
| Return on assets (ROA) | 1.7166% | 625 |
| Pretax return on assets | 1.7330% | 986 |
| Return on Equity (ROE) | 20.3557% | 293 |
| Retained earnings to average equity (ytd only) | 12.5863% | 440 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9179% | 6,041 |
| Assets per employee ($millions) | 3.3992% | 5,203 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3638% | 4,755 |
| Loan loss allowance to noncurrent loans | 2,768.3333% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 6,668 |
| Noncurrent loans to loans | 0.0493% | 6,862 |
| Net loans and leases to total assets | 65.4471% | 3,150 |
| Net loans and leases to deposits | 73.6567% | 3,854 |
| Net loans and leases to core deposits | 83.1320% | 3,346 |
| Total domestic deposits to total assets | 88.8543% | 1,631 |
| Equity capital to assets | 8.6811% | 5,966 |
| Core capital (leverage) ratio | 8.6577% | 5,287 |
| Tier 1 risk-based capital ratio | 11.6473% | 6,058 |
| Total risk-based capital ratio | 12.8762% | 6,067 |
| Memoranda: | ||
| Average total assets | $183,153,000 | 3,326 |
| Average earning assets | $173,622,000 | 3,209 |
| Average equity | $15,445,330 | 3,827 |
| Average total loans | $119,205,670 | 3,246 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9833% | 3,174 |
| Cost of funding earning assets | 1.0571% | 3,802 |
| Net interest margin | 3.9261% | 3,021 |
| Noninterest income to average assets | 0.4285% | 4,467 |
| Noninterest expense to average assets | 2.4816% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6507% | 624 |
| Return on assets (ROA) | 1.6507% | 657 |
| Pretax return on assets | 1.6660% | 1,047 |
| Return on Equity (ROE) | 19.8678% | 333 |
| Retained earnings to average equity (ytd only) | 19.8678% | 165 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8313% | 6,005 |
| Assets per employee ($millions) | 3.5451% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4135% | 4,593 |
| Loan loss allowance to noncurrent loans | 4,152.5000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 6,760 |
| Noncurrent loans to loans | 0.0340% | 6,969 |
| Net loans and leases to total assets | 62.8418% | 3,690 |
| Net loans and leases to deposits | 70.9465% | 4,202 |
| Net loans and leases to core deposits | 80.2896% | 3,709 |
| Total domestic deposits to total assets | 88.5762% | 2,029 |
| Equity capital to assets | 8.4608% | 5,964 |
| Core capital (leverage) ratio | 8.4934% | 5,465 |
| Tier 1 risk-based capital ratio | 11.8537% | 5,816 |
| Total risk-based capital ratio | 13.1043% | 5,821 |
| Memoranda: | ||
| Average total assets | $182,950,000 | 3,355 |
| Average earning assets | $173,300,000 | 3,250 |
| Average equity | $15,200,500 | 3,863 |
| Average total loans | $117,911,000 | 3,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 2,977 |
| Cost of funding earning assets | 1.2318% | 4,346 |
| Net interest margin | 4.0983% | 2,566 |
| Noninterest income to average assets | 0.5086% | 4,103 |
| Noninterest expense to average assets | 2.6050% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7399% | 474 |
| Return on assets (ROA) | 1.7716% | 485 |
| Pretax return on assets | 1.7838% | 790 |
| Return on Equity (ROE) | 21.2239% | 191 |
| Retained earnings to average equity (ytd only) | 9.9017% | 544 |
| Net charge-offs to loans | 0.0052% | 6,793 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 502.3333% | 43 |
| Efficiency ratio | 59.7919% | 6,080 |
| Assets per employee ($millions) | 3.3621% | 5,268 |
| Cash dividends to net income (ytd only)* | 53.3465% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 4,489 |
| Loan loss allowance to noncurrent loans | 4,371.0526% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 6,734 |
| Noncurrent loans to loans | 0.0321% | 7,051 |
| Net loans and leases to total assets | 64.2529% | 3,823 |
| Net loans and leases to deposits | 72.3527% | 4,458 |
| Net loans and leases to core deposits | 80.1819% | 4,185 |
| Total domestic deposits to total assets | 88.8051% | 1,766 |
| Equity capital to assets | 8.1540% | 6,314 |
| Core capital (leverage) ratio | 8.3476% | 5,615 |
| Tier 1 risk-based capital ratio | 11.3725% | 6,019 |
| Total risk-based capital ratio | 12.6229% | 6,011 |
| Memoranda: | ||
| Average total assets | $172,052,200 | 3,497 |
| Average earning assets | $161,555,400 | 3,417 |
| Average equity | $14,361,200 | 4,055 |
| Average total loans | $115,933,800 | 3,405 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3784% | 2,983 |
| Cost of funding earning assets | 1.2574% | 4,515 |
| Net interest margin | 4.1210% | 2,529 |
| Noninterest income to average assets | 0.5241% | 3,995 |
| Noninterest expense to average assets | 2.5790% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.7940% | 513 |
| Return on assets (ROA) | 1.7940% | 560 |
| Pretax return on assets | 1.8057% | 916 |
| Return on Equity (ROE) | 21.3601% | 233 |
| Retained earnings to average equity (ytd only) | 12.6028% | 389 |
| Net charge-offs to loans | 0.0046% | 6,604 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 574.8443% | 50 |
| Efficiency ratio | 58.8172% | 6,142 |
| Assets per employee ($millions) | 3.3988% | 5,211 |
| Cash dividends to net income (ytd only)* | 40.9988% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 4,418 |
| Loan loss allowance to noncurrent loans | 1,108.6667% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 6,747 |
| Noncurrent loans to loans | 0.1270% | 6,927 |
| Net loans and leases to total assets | 65.9039% | 3,714 |
| Net loans and leases to deposits | 74.5170% | 4,428 |
| Net loans and leases to core deposits | 81.4586% | 4,324 |
| Total domestic deposits to total assets | 88.4415% | 1,703 |
| Equity capital to assets | 8.4816% | 6,297 |
| Core capital (leverage) ratio | 8.4151% | 5,675 |
| Tier 1 risk-based capital ratio | 11.4208% | 5,998 |
| Total risk-based capital ratio | 12.6713% | 5,986 |
| Memoranda: | ||
| Average total assets | $169,676,250 | 3,589 |
| Average earning assets | $158,954,250 | 3,517 |
| Average equity | $14,250,500 | 4,147 |
| Average total loans | $115,338,250 | 3,469 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4110% | 2,930 |
| Cost of funding earning assets | 1.2655% | 4,743 |
| Net interest margin | 4.1455% | 2,348 |
| Noninterest income to average assets | 0.4506% | 4,506 |
| Noninterest expense to average assets | 2.5998% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7164% | 571 |
| Return on assets (ROA) | 1.7164% | 627 |
| Pretax return on assets | 1.7272% | 1,008 |
| Return on Equity (ROE) | 20.5084% | 290 |
| Retained earnings to average equity (ytd only) | 13.1391% | 366 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0829% | 6,033 |
| Assets per employee ($millions) | 3.1708% | 5,738 |
| Cash dividends to net income (ytd only)* | 35.9331% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,148 |
| Loan loss allowance to noncurrent loans | 1,323.0159% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.2611% | 6,746 |
| Noncurrent loans to loans | 0.1100% | 7,046 |
| Net loans and leases to total assets | 65.9131% | 3,856 |
| Net loans and leases to deposits | 74.5899% | 4,584 |
| Net loans and leases to core deposits | 80.7145% | 4,592 |
| Total domestic deposits to total assets | 88.3673% | 1,794 |
| Equity capital to assets | 8.4205% | 6,267 |
| Core capital (leverage) ratio | 8.4821% | 5,440 |
| Tier 1 risk-based capital ratio | 11.5380% | 5,729 |
| Total risk-based capital ratio | 12.7889% | 5,704 |
| Memoranda: | ||
| Average total assets | $167,323,000 | 3,647 |
| Average earning assets | $156,458,670 | 3,588 |
| Average equity | $14,004,000 | 4,198 |
| Average total loans | $114,404,670 | 3,523 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4428% | 2,854 |
| Cost of funding earning assets | 1.2618% | 5,054 |
| Net interest margin | 4.1810% | 2,117 |
| Noninterest income to average assets | 0.4475% | 4,496 |
| Noninterest expense to average assets | 2.6171% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7052% | 610 |
| Return on assets (ROA) | 1.7052% | 662 |
| Pretax return on assets | 1.7173% | 1,023 |
| Return on Equity (ROE) | 20.4392% | 357 |
| Retained earnings to average equity (ytd only) | 20.4392% | 184 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3795% | 6,102 |
| Assets per employee ($millions) | 3.2608% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 4,196 |
| Loan loss allowance to noncurrent loans | 2,825.4237% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.9633% | 5,229 |
| Noncurrent loans to loans | 0.0510% | 7,277 |
| Net loans and leases to total assets | 68.4943% | 3,277 |
| Net loans and leases to deposits | 77.6559% | 4,104 |
| Net loans and leases to core deposits | 80.8472% | 4,649 |
| Total domestic deposits to total assets | 88.2023% | 1,945 |
| Equity capital to assets | 8.5074% | 5,994 |
| Core capital (leverage) ratio | 8.5966% | 5,205 |
| Tier 1 risk-based capital ratio | 11.1968% | 5,961 |
| Total risk-based capital ratio | 12.4477% | 5,915 |
| Memoranda: | ||
| Average total assets | $165,372,500 | 3,741 |
| Average earning assets | $153,743,000 | 3,698 |
| Average equity | $13,797,000 | 4,287 |
| Average total loans | $114,344,000 | 3,589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6118% | 3,542 |
| Cost of funding earning assets | 1.6180% | 4,948 |
| Net interest margin | 3.9937% | 2,888 |
| Noninterest income to average assets | 0.6159% | 3,515 |
| Noninterest expense to average assets | 2.7299% | 5,247 |
| Loan and lease loss provision to assets | 0.0739% | 6,846 |
| Net operating income to assets | 1.5128% | 652 |
| Return on assets (ROA) | 1.5128% | 704 |
| Pretax return on assets | 1.5263% | 1,125 |
| Return on Equity (ROE) | 18.0525% | 366 |
| Retained earnings to average equity (ytd only) | 1.1467% | 4,245 |
| Net charge-offs to loans | -0.0009% | 7,679 |
| Credit loss provision to net charge-offs | -12,000.0000% | 7,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0441% | 5,960 |
| Assets per employee ($millions) | 3.1623% | 5,819 |
| Cash dividends to net income (ytd only)* | 93.6482% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 3,866 |
| Loan loss allowance to noncurrent loans | 1,831.8681% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 5,124 |
| Noncurrent loans to loans | 0.0805% | 7,213 |
| Net loans and leases to total assets | 67.7722% | 3,754 |
| Net loans and leases to deposits | 77.5573% | 4,463 |
| Net loans and leases to core deposits | 91.2034% | 4,986 |
| Total domestic deposits to total assets | 87.3834% | 2,274 |
| Equity capital to assets | 8.1767% | 6,372 |
| Core capital (leverage) ratio | 8.2829% | 5,650 |
| Tier 1 risk-based capital ratio | 10.8404% | 6,074 |
| Total risk-based capital ratio | 12.0919% | 6,047 |
| Memoranda: | ||
| Average total assets | $162,352,400 | 3,723 |
| Average earning assets | $150,986,000 | 3,692 |
| Average equity | $13,604,800 | 4,358 |
| Average total loans | $112,784,600 | 3,632 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6335% | 3,675 |
| Cost of funding earning assets | 1.6856% | 4,974 |
| Net interest margin | 3.9479% | 3,048 |
| Noninterest income to average assets | 0.6509% | 3,344 |
| Noninterest expense to average assets | 2.7106% | 5,273 |
| Loan and lease loss provision to assets | 0.0742% | 6,617 |
| Net operating income to assets | 1.5291% | 761 |
| Return on assets (ROA) | 1.5291% | 816 |
| Pretax return on assets | 1.5440% | 1,293 |
| Return on Equity (ROE) | 18.1362% | 441 |
| Retained earnings to average equity (ytd only) | 6.4102% | 1,758 |
| Net charge-offs to loans | -0.0024% | 7,595 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6190% | 5,998 |
| Assets per employee ($millions) | 3.1125% | 5,876 |
| Cash dividends to net income (ytd only)* | 64.6553% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 3,669 |
| Loan loss allowance to noncurrent loans | 1,820.0000% | 208 |
| Noncurrent assets plus other real estate owned to assets | 1.0016% | 5,073 |
| Noncurrent loans to loans | 0.0799% | 7,290 |
| Net loans and leases to total assets | 68.5571% | 3,836 |
| Net loans and leases to deposits | 76.9427% | 4,904 |
| Net loans and leases to core deposits | 91.2417% | 5,306 |
| Total domestic deposits to total assets | 89.1016% | 1,156 |
| Equity capital to assets | 8.6093% | 6,102 |
| Core capital (leverage) ratio | 8.5869% | 5,317 |
| Tier 1 risk-based capital ratio | 11.4076% | 5,522 |
| Total risk-based capital ratio | 12.6589% | 5,467 |
| Memoranda: | ||
| Average total assets | $161,830,000 | 3,764 |
| Average earning assets | $150,761,750 | 3,710 |
| Average equity | $13,644,500 | 4,376 |
| Average total loans | $112,702,500 | 3,661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6677% | 3,728 |
| Cost of funding earning assets | 1.7576% | 4,958 |
| Net interest margin | 3.9101% | 3,059 |
| Noninterest income to average assets | 0.7354% | 2,788 |
| Noninterest expense to average assets | 2.7635% | 5,119 |
| Loan and lease loss provision to assets | 0.0742% | 6,448 |
| Net operating income to assets | 1.5165% | 807 |
| Return on assets (ROA) | 1.5165% | 860 |
| Pretax return on assets | 1.5325% | 1,368 |
| Return on Equity (ROE) | 18.1134% | 487 |
| Retained earnings to average equity (ytd only) | 9.2560% | 876 |
| Net charge-offs to loans | -0.0018% | 7,477 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2353% | 6,049 |
| Assets per employee ($millions) | 3.0710% | 5,946 |
| Cash dividends to net income (ytd only)* | 48.8998% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 3,585 |
| Loan loss allowance to noncurrent loans | 1,064.2384% | 338 |
| Noncurrent assets plus other real estate owned to assets | 1.0414% | 4,886 |
| Noncurrent loans to loans | 0.1342% | 7,178 |
| Net loans and leases to total assets | 69.4335% | 3,840 |
| Net loans and leases to deposits | 78.8619% | 4,722 |
| Net loans and leases to core deposits | 93.7024% | 5,150 |
| Total domestic deposits to total assets | 88.0444% | 1,742 |
| Equity capital to assets | 8.6423% | 5,831 |
| Core capital (leverage) ratio | 8.5254% | 5,395 |
| Tier 1 risk-based capital ratio | 11.4514% | 5,441 |
| Total risk-based capital ratio | 12.7027% | 5,357 |
| Memoranda: | ||
| Average total assets | $161,823,670 | 3,786 |
| Average earning assets | $150,431,330 | 3,737 |
| Average equity | $13,548,000 | 4,407 |
| Average total loans | $112,737,670 | 3,707 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 3,745 |
| Cost of funding earning assets | 1.8801% | 4,738 |
| Net interest margin | 3.8317% | 3,330 |
| Noninterest income to average assets | 0.8055% | 2,295 |
| Noninterest expense to average assets | 2.8117% | 4,507 |
| Loan and lease loss provision to assets | 0.0737% | 6,036 |
| Net operating income to assets | 1.4758% | 983 |
| Return on assets (ROA) | 1.4758% | 1,059 |
| Pretax return on assets | 1.4783% | 1,731 |
| Return on Equity (ROE) | 17.9116% | 593 |
| Retained earnings to average equity (ytd only) | 17.9116% | 234 |
| Net charge-offs to loans | -0.0071% | 7,228 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4344% | 5,602 |
| Assets per employee ($millions) | 3.1581% | 5,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 3,414 |
| Loan loss allowance to noncurrent loans | 1,396.4602% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.9652% | 4,783 |
| Noncurrent loans to loans | 0.1014% | 7,238 |
| Net loans and leases to total assets | 66.8991% | 4,363 |
| Net loans and leases to deposits | 74.9015% | 5,358 |
| Net loans and leases to core deposits | 89.0681% | 5,640 |
| Total domestic deposits to total assets | 89.3161% | 1,093 |
| Equity capital to assets | 8.3346% | 6,338 |
| Core capital (leverage) ratio | 8.4271% | 5,667 |
| Tier 1 risk-based capital ratio | 11.4418% | 5,468 |
| Total risk-based capital ratio | 12.6928% | 5,362 |
| Memoranda: | ||
| Average total assets | $162,890,000 | 3,777 |
| Average earning assets | $151,266,000 | 3,724 |
| Average equity | $13,421,500 | 4,469 |
| Average total loans | $112,863,500 | 3,724 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4063% | 3,384 |
| Cost of funding earning assets | 2.5093% | 4,158 |
| Net interest margin | 3.8969% | 3,577 |
| Noninterest income to average assets | 0.5006% | 4,611 |
| Noninterest expense to average assets | 2.5269% | 5,900 |
| Loan and lease loss provision to assets | 0.0730% | 6,482 |
| Net operating income to assets | 1.5621% | 905 |
| Return on assets (ROA) | 1.5621% | 877 |
| Pretax return on assets | 1.5651% | 1,500 |
| Return on Equity (ROE) | 19.1254% | 446 |
| Retained earnings to average equity (ytd only) | 1.0278% | 4,609 |
| Net charge-offs to loans | 0.0050% | 6,909 |
| Credit loss provision to net charge-offs | 2,000.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 448.8333% | 115 |
| Efficiency ratio | 60.6689% | 6,225 |
| Assets per employee ($millions) | 3.1679% | 5,570 |
| Cash dividends to net income (ytd only)* | 94.6262% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 3,465 |
| Loan loss allowance to noncurrent loans | 1,277.6860% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.9860% | 4,367 |
| Noncurrent loans to loans | 0.1059% | 7,095 |
| Net loans and leases to total assets | 69.7829% | 4,061 |
| Net loans and leases to deposits | 77.9488% | 5,345 |
| Net loans and leases to core deposits | 91.4965% | 5,684 |
| Total domestic deposits to total assets | 89.5241% | 835 |
| Equity capital to assets | 8.1431% | 6,639 |
| Core capital (leverage) ratio | 8.1891% | 6,186 |
| Tier 1 risk-based capital ratio | 10.8143% | 5,898 |
| Total risk-based capital ratio | 12.0644% | 5,801 |
| Memoranda: | ||
| Average total assets | $164,394,000 | 3,640 |
| Average earning assets | $154,583,200 | 3,575 |
| Average equity | $13,427,200 | 4,468 |
| Average total loans | $119,756,800 | 3,462 |