Home > Susquehanna Community Bank > Performance and Condition Ratios
Susquehanna Community Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3436% | 2,422 |
| Cost of funding earning assets | 2.3495% | 1,130 |
| Net interest margin | 2.9941% | 3,416 |
| Noninterest income to average assets | 0.3800% | 2,354 |
| Noninterest expense to average assets | 2.5293% | 2,214 |
| Loan and lease loss provision to assets | 0.0200% | 2,448 |
| Net operating income to assets | 0.5497% | 3,468 |
| Return on assets (ROA) | 0.5497% | 3,482 |
| Pretax return on assets | 0.6140% | 3,560 |
| Return on Equity (ROE) | 9.3600% | 2,507 |
| Retained earnings to average equity (ytd only) | 1.8674% | 3,347 |
| Net charge-offs to loans | 0.0393% | 1,291 |
| Credit loss provision to net charge-offs | 79.4872% | 1,408 |
| Earnings coverage of net charge-offs (x) | 24.0513% | 1,355 |
| Efficiency ratio | 79.9315% | 951 |
| Assets per employee ($millions) | 6.9327% | 2,258 |
| Cash dividends to net income (ytd only)* | 80.0493% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 3,723 |
| Loan loss allowance to noncurrent loans | 297.6563% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,542 |
| Noncurrent loans to loans | 0.2868% | 2,471 |
| Net loans and leases to total assets | 66.7900% | 2,213 |
| Net loans and leases to deposits | 77.7885% | 2,249 |
| Net loans and leases to core deposits | 81.5651% | 2,599 |
| Total domestic deposits to total assets | 85.8600% | 2,351 |
| Equity capital to assets | 5.9684% | 4,256 |
| Core capital (leverage) ratio | 8.6139% | 4,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3026% | 2,651 |
| Memoranda: | ||
| Average total assets | $590,837,000 | 1,576 |
| Average earning assets | $549,221,500 | 1,568 |
| Average equity | $34,700,000 | 2,245 |
| Average total loans | $397,106,500 | 1,570 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 2,645 |
| Cost of funding earning assets | 2.5736% | 1,009 |
| Net interest margin | 2.6674% | 3,674 |
| Noninterest income to average assets | 0.4100% | 2,407 |
| Noninterest expense to average assets | 2.3912% | 2,605 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 0.4323% | 3,621 |
| Return on assets (ROA) | 0.4078% | 3,691 |
| Pretax return on assets | 0.4253% | 3,762 |
| Return on Equity (ROE) | 6.9600% | 3,031 |
| Retained earnings to average equity (ytd only) | 5.3793% | 2,074 |
| Net charge-offs to loans | 0.0148% | 2,372 |
| Credit loss provision to net charge-offs | 401.7857% | 740 |
| Earnings coverage of net charge-offs (x) | 51.2857% | 1,202 |
| Efficiency ratio | 83.0170% | 855 |
| Assets per employee ($millions) | 6.7295% | 2,351 |
| Cash dividends to net income (ytd only)* | 22.7652% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 3,697 |
| Loan loss allowance to noncurrent loans | 223.4720% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2627% | 2,202 |
| Noncurrent loans to loans | 0.3918% | 2,103 |
| Net loans and leases to total assets | 66.4600% | 2,313 |
| Net loans and leases to deposits | 79.7267% | 2,157 |
| Net loans and leases to core deposits | 82.8181% | 2,572 |
| Total domestic deposits to total assets | 83.3700% | 2,943 |
| Equity capital to assets | 5.7759% | 4,243 |
| Core capital (leverage) ratio | 8.6398% | 3,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4125% | 2,669 |
| Memoranda: | ||
| Average total assets | $587,113,600 | 1,559 |
| Average earning assets | $544,266,000 | 1,560 |
| Average equity | $34,372,400 | 2,197 |
| Average total loans | $379,174,400 | 1,597 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 2,639 |
| Cost of funding earning assets | 2.5938% | 991 |
| Net interest margin | 2.6156% | 3,741 |
| Noninterest income to average assets | 0.4100% | 2,365 |
| Noninterest expense to average assets | 2.4305% | 2,441 |
| Loan and lease loss provision to assets | 0.0200% | 2,606 |
| Net operating income to assets | 0.3749% | 3,733 |
| Return on assets (ROA) | 0.3749% | 3,764 |
| Pretax return on assets | 0.3831% | 3,836 |
| Return on Equity (ROE) | 6.3800% | 3,216 |
| Retained earnings to average equity (ytd only) | 4.2767% | 2,739 |
| Net charge-offs to loans | 0.0110% | 2,234 |
| Credit loss provision to net charge-offs | 303.2258% | 842 |
| Earnings coverage of net charge-offs (x) | 57.4839% | 1,124 |
| Efficiency ratio | 85.7349% | 722 |
| Assets per employee ($millions) | 6.7673% | 2,299 |
| Cash dividends to net income (ytd only)* | 32.9903% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 3,779 |
| Loan loss allowance to noncurrent loans | 216.5800% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 2,202 |
| Noncurrent loans to loans | 0.3968% | 2,085 |
| Net loans and leases to total assets | 64.5200% | 2,470 |
| Net loans and leases to deposits | 77.6456% | 2,375 |
| Net loans and leases to core deposits | 79.9593% | 2,810 |
| Total domestic deposits to total assets | 83.1000% | 2,823 |
| Equity capital to assets | 6.3757% | 4,267 |
| Core capital (leverage) ratio | 8.5330% | 4,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2409% | 2,734 |
| Memoranda: | ||
| Average total assets | $587,525,500 | 1,551 |
| Average earning assets | $544,259,250 | 1,560 |
| Average equity | $34,511,500 | 2,188 |
| Average total loans | $375,827,250 | 1,597 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 2,549 |
| Cost of funding earning assets | 2.5443% | 923 |
| Net interest margin | 2.5806% | 3,741 |
| Noninterest income to average assets | 0.3800% | 2,422 |
| Noninterest expense to average assets | 2.4580% | 2,361 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.2916% | 3,838 |
| Return on assets (ROA) | 0.2916% | 3,870 |
| Pretax return on assets | 0.2916% | 3,926 |
| Return on Equity (ROE) | 5.1100% | 3,421 |
| Retained earnings to average equity (ytd only) | 5.1074% | 2,367 |
| Net charge-offs to loans | 0.0011% | 2,186 |
| Credit loss provision to net charge-offs | 3,100.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 455.0000% | 210 |
| Efficiency ratio | 88.7069% | 643 |
| Assets per employee ($millions) | 6.2349% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 3,719 |
| Loan loss allowance to noncurrent loans | 239.5062% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.2375% | 2,175 |
| Noncurrent loans to loans | 0.3741% | 2,011 |
| Net loans and leases to total assets | 62.9100% | 2,572 |
| Net loans and leases to deposits | 75.0224% | 2,515 |
| Net loans and leases to core deposits | 77.5282% | 2,886 |
| Total domestic deposits to total assets | 83.8500% | 2,759 |
| Equity capital to assets | 5.6508% | 4,275 |
| Core capital (leverage) ratio | 8.5205% | 4,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3924% | 2,733 |
| Memoranda: | ||
| Average total assets | $581,621,000 | 1,567 |
| Average earning assets | $538,783,500 | 1,572 |
| Average equity | $33,207,000 | 2,215 |
| Average total loans | $367,856,500 | 1,615 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7854% | 2,502 |
| Cost of funding earning assets | 2.1157% | 749 |
| Net interest margin | 2.6697% | 3,863 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.4579% | 2,425 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.3962% | 3,881 |
| Return on assets (ROA) | 0.3940% | 3,876 |
| Pretax return on assets | 0.4086% | 3,946 |
| Return on Equity (ROE) | 7.5900% | 3,132 |
| Retained earnings to average equity (ytd only) | 1.0990% | 3,813 |
| Net charge-offs to loans | 0.0599% | 1,257 |
| Credit loss provision to net charge-offs | 118.4834% | 1,688 |
| Earnings coverage of net charge-offs (x) | 12.2512% | 2,155 |
| Efficiency ratio | 84.3826% | 643 |
| Assets per employee ($millions) | 6.0144% | 2,810 |
| Cash dividends to net income (ytd only)* | 85.5293% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8889% | 3,749 |
| Loan loss allowance to noncurrent loans | 427.1895% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,658 |
| Noncurrent loans to loans | 0.2081% | 2,475 |
| Net loans and leases to total assets | 62.4600% | 2,634 |
| Net loans and leases to deposits | 73.2902% | 2,670 |
| Net loans and leases to core deposits | 75.8285% | 2,990 |
| Total domestic deposits to total assets | 85.2200% | 2,238 |
| Equity capital to assets | 5.7676% | 4,285 |
| Core capital (leverage) ratio | 8.4394% | 4,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2270% | 2,776 |
| Memoranda: | ||
| Average total assets | $568,260,000 | 1,560 |
| Average earning assets | $525,970,800 | 1,562 |
| Average equity | $29,481,600 | 2,288 |
| Average total loans | $352,468,600 | 1,604 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7015% | 2,473 |
| Cost of funding earning assets | 1.9823% | 725 |
| Net interest margin | 2.7192% | 3,860 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.5285% | 2,138 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3899% | 3,979 |
| Return on assets (ROA) | 0.3869% | 3,984 |
| Pretax return on assets | 0.3994% | 4,063 |
| Return on Equity (ROE) | 7.6800% | 3,267 |
| Retained earnings to average equity (ytd only) | -1.2986% | 4,274 |
| Net charge-offs to loans | 0.0619% | 1,044 |
| Credit loss provision to net charge-offs | 88.8889% | 1,700 |
| Earnings coverage of net charge-offs (x) | 11.4074% | 2,097 |
| Efficiency ratio | 85.2784% | 547 |
| Assets per employee ($millions) | 6.0092% | 2,752 |
| Cash dividends to net income (ytd only)* | 116.9109% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8795% | 3,802 |
| Loan loss allowance to noncurrent loans | 369.9309% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,565 |
| Noncurrent loans to loans | 0.2377% | 2,398 |
| Net loans and leases to total assets | 63.3900% | 2,519 |
| Net loans and leases to deposits | 69.7614% | 2,856 |
| Net loans and leases to core deposits | 72.3771% | 3,086 |
| Total domestic deposits to total assets | 90.8700% | 705 |
| Equity capital to assets | 3.8856% | 4,412 |
| Core capital (leverage) ratio | 8.3993% | 4,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9753% | 2,824 |
| Memoranda: | ||
| Average total assets | $564,475,000 | 1,566 |
| Average earning assets | $522,489,250 | 1,566 |
| Average equity | $28,440,000 | 2,329 |
| Average total loans | $348,671,000 | 1,616 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 2,479 |
| Cost of funding earning assets | 1.8350% | 694 |
| Net interest margin | 2.7357% | 3,928 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.5500% | 2,070 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3992% | 4,003 |
| Return on assets (ROA) | 0.3951% | 4,022 |
| Pretax return on assets | 0.4097% | 4,106 |
| Return on Equity (ROE) | 7.2800% | 3,419 |
| Retained earnings to average equity (ytd only) | -1.6969% | 4,270 |
| Net charge-offs to loans | 0.0140% | 1,667 |
| Credit loss provision to net charge-offs | 262.5000% | 930 |
| Earnings coverage of net charge-offs (x) | 51.1250% | 1,278 |
| Efficiency ratio | 85.3876% | 525 |
| Assets per employee ($millions) | 5.9554% | 2,748 |
| Cash dividends to net income (ytd only)* | 123.3123% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 3,735 |
| Loan loss allowance to noncurrent loans | 427.1895% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 2,612 |
| Noncurrent loans to loans | 0.2142% | 2,409 |
| Net loans and leases to total assets | 61.9100% | 2,581 |
| Net loans and leases to deposits | 68.8665% | 2,869 |
| Net loans and leases to core deposits | 71.4937% | 3,039 |
| Total domestic deposits to total assets | 89.8900% | 951 |
| Equity capital to assets | 5.2600% | 4,333 |
| Core capital (leverage) ratio | 8.6119% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1542% | 2,825 |
| Memoranda: | ||
| Average total assets | $562,342,667 | 1,573 |
| Average earning assets | $521,321,333 | 1,572 |
| Average equity | $30,526,000 | 2,245 |
| Average total loans | $343,196,000 | 1,622 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,333 |
| Cost of funding earning assets | 1.7501% | 499 |
| Net interest margin | 2.7431% | 4,019 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5449% | 2,119 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4122% | 4,068 |
| Return on assets (ROA) | 0.4031% | 4,032 |
| Pretax return on assets | 0.4175% | 4,108 |
| Return on Equity (ROE) | 7.3100% | 3,456 |
| Retained earnings to average equity (ytd only) | -1.5998% | 4,186 |
| Net charge-offs to loans | -0.0012% | 3,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.0024% | 546 |
| Assets per employee ($millions) | 6.1143% | 2,668 |
| Cash dividends to net income (ytd only)* | 121.8861% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,715 |
| Loan loss allowance to noncurrent loans | 458.0056% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 2,626 |
| Noncurrent loans to loans | 0.2074% | 2,437 |
| Net loans and leases to total assets | 60.4500% | 2,599 |
| Net loans and leases to deposits | 64.9175% | 3,019 |
| Net loans and leases to core deposits | 67.5829% | 3,128 |
| Total domestic deposits to total assets | 93.1100% | 295 |
| Equity capital to assets | 5.6752% | 4,303 |
| Core capital (leverage) ratio | 8.6813% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7977% | 2,783 |
| Memoranda: | ||
| Average total assets | $557,656,000 | 1,605 |
| Average earning assets | $516,778,500 | 1,602 |
| Average equity | $30,753,000 | 2,259 |
| Average total loans | $336,193,000 | 1,661 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 2,139 |
| Cost of funding earning assets | 0.7094% | 565 |
| Net interest margin | 3.1391% | 3,064 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.4475% | 2,274 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9020% | 2,952 |
| Return on assets (ROA) | 0.9575% | 2,688 |
| Pretax return on assets | 1.0685% | 2,866 |
| Return on Equity (ROE) | 14.4900% | 1,408 |
| Retained earnings to average equity (ytd only) | 6.2372% | 2,557 |
| Net charge-offs to loans | 0.0580% | 1,068 |
| Credit loss provision to net charge-offs | 135.1351% | 1,371 |
| Earnings coverage of net charge-offs (x) | 31.2865% | 1,659 |
| Efficiency ratio | 69.9309% | 1,694 |
| Assets per employee ($millions) | 5.9440% | 2,816 |
| Cash dividends to net income (ytd only)* | 56.9692% | 1,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 3,464 |
| Loan loss allowance to noncurrent loans | 516.6400% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 2,735 |
| Noncurrent loans to loans | 0.1899% | 2,534 |
| Net loans and leases to total assets | 58.9500% | 2,738 |
| Net loans and leases to deposits | 63.7357% | 3,062 |
| Net loans and leases to core deposits | 65.1509% | 3,188 |
| Total domestic deposits to total assets | 92.4900% | 523 |
| Equity capital to assets | 5.3514% | 4,279 |
| Core capital (leverage) ratio | 8.8535% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1516% | 2,685 |
| Memoranda: | ||
| Average total assets | $550,000,000 | 1,608 |
| Average earning assets | $510,149,600 | 1,603 |
| Average equity | $36,330,600 | 2,057 |
| Average total loans | $318,702,200 | 1,642 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7195% | 1,977 |
| Cost of funding earning assets | 0.5222% | 671 |
| Net interest margin | 3.1973% | 2,633 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.4484% | 2,166 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8444% | 3,085 |
| Return on assets (ROA) | 0.9418% | 2,663 |
| Pretax return on assets | 1.0673% | 2,821 |
| Return on Equity (ROE) | 13.6100% | 1,535 |
| Retained earnings to average equity (ytd only) | 5.5411% | 2,913 |
| Net charge-offs to loans | 0.0380% | 1,118 |
| Credit loss provision to net charge-offs | 208.8889% | 959 |
| Earnings coverage of net charge-offs (x) | 45.8778% | 1,326 |
| Efficiency ratio | 70.9553% | 1,651 |
| Assets per employee ($millions) | 5.7893% | 2,942 |
| Cash dividends to net income (ytd only)* | 59.2784% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 3,401 |
| Loan loss allowance to noncurrent loans | 558.5616% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,890 |
| Noncurrent loans to loans | 0.1817% | 2,678 |
| Net loans and leases to total assets | 58.4500% | 2,644 |
| Net loans and leases to deposits | 61.5475% | 3,061 |
| Net loans and leases to core deposits | 63.2979% | 3,170 |
| Total domestic deposits to total assets | 94.9700% | 226 |
| Equity capital to assets | 4.6182% | 4,373 |
| Core capital (leverage) ratio | 8.7436% | 3,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6473% | 2,913 |
| Memoranda: | ||
| Average total assets | $549,301,250 | 1,619 |
| Average earning assets | $509,588,750 | 1,623 |
| Average equity | $38,017,750 | 2,022 |
| Average total loans | $316,103,000 | 1,647 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5628% | 1,952 |
| Cost of funding earning assets | 0.4090% | 865 |
| Net interest margin | 3.1538% | 2,350 |
| Noninterest income to average assets | 0.5285% | 2,048 |
| Noninterest expense to average assets | 2.4490% | 2,082 |
| Loan and lease loss provision to assets | 0.0454% | 1,765 |
| Net operating income to assets | 0.8509% | 2,769 |
| Return on assets (ROA) | 0.9877% | 2,175 |
| Pretax return on assets | 1.1230% | 2,330 |
| Return on Equity (ROE) | 12.8613% | 1,414 |
| Retained earnings to average equity (ytd only) | 5.2750% | 2,598 |
| Net charge-offs to loans | 0.0566% | 827 |
| Credit loss provision to net charge-offs | 140.4494% | 1,118 |
| Earnings coverage of net charge-offs (x) | 31.3596% | 1,370 |
| Efficiency ratio | 70.7381% | 1,858 |
| Assets per employee ($millions) | 5.9140% | 2,822 |
| Cash dividends to net income (ytd only)* | 58.9857% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,470 |
| Loan loss allowance to noncurrent loans | 270.0422% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 2,229 |
| Noncurrent loans to loans | 0.3811% | 1,997 |
| Net loans and leases to total assets | 56.5636% | 2,693 |
| Net loans and leases to deposits | 60.8971% | 2,982 |
| Net loans and leases to core deposits | 62.9147% | 3,038 |
| Total domestic deposits to total assets | 92.8838% | 543 |
| Equity capital to assets | 6.1478% | 4,154 |
| Core capital (leverage) ratio | 8.8118% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $551,004,333 | 1,624 |
| Average earning assets | $512,516,667 | 1,632 |
| Average equity | $42,313,000 | 1,922 |
| Average total loans | $314,348,667 | 1,650 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 2,040 |
| Cost of funding earning assets | 0.3891% | 926 |
| Net interest margin | 3.0261% | 2,418 |
| Noninterest income to average assets | 0.5649% | 1,846 |
| Noninterest expense to average assets | 2.4745% | 1,946 |
| Loan and lease loss provision to assets | 0.0454% | 1,548 |
| Net operating income to assets | 0.7589% | 2,817 |
| Return on assets (ROA) | 1.0287% | 1,755 |
| Pretax return on assets | 1.1737% | 1,903 |
| Return on Equity (ROE) | 12.2024% | 1,254 |
| Retained earnings to average equity (ytd only) | 4.2871% | 2,841 |
| Net charge-offs to loans | 0.0772% | 610 |
| Credit loss provision to net charge-offs | 103.2787% | 993 |
| Earnings coverage of net charge-offs (x) | 20.7377% | 1,269 |
| Efficiency ratio | 73.0564% | 1,848 |
| Assets per employee ($millions) | 6.0135% | 2,796 |
| Cash dividends to net income (ytd only)* | 64.8668% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,721 |
| Loan loss allowance to noncurrent loans | 232.6231% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 2,162 |
| Noncurrent loans to loans | 0.4307% | 1,953 |
| Net loans and leases to total assets | 56.5480% | 2,475 |
| Net loans and leases to deposits | 62.7822% | 2,643 |
| Net loans and leases to core deposits | 65.1383% | 2,704 |
| Total domestic deposits to total assets | 90.0701% | 1,524 |
| Equity capital to assets | 7.5056% | 3,934 |
| Core capital (leverage) ratio | 8.7543% | 3,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $554,464,000 | 1,616 |
| Average earning assets | $517,097,000 | 1,627 |
| Average equity | $46,745,000 | 1,828 |
| Average total loans | $316,046,000 | 1,634 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 2,458 |
| Cost of funding earning assets | 0.4106% | 1,463 |
| Net interest margin | 3.1611% | 2,706 |
| Noninterest income to average assets | 0.6586% | 1,910 |
| Noninterest expense to average assets | 2.4097% | 2,460 |
| Loan and lease loss provision to assets | 0.0572% | 1,911 |
| Net operating income to assets | 1.0147% | 2,616 |
| Return on assets (ROA) | 1.0470% | 2,568 |
| Pretax return on assets | 1.1765% | 2,746 |
| Return on Equity (ROE) | 10.5966% | 2,310 |
| Retained earnings to average equity (ytd only) | 3.2606% | 3,518 |
| Net charge-offs to loans | 0.0117% | 2,128 |
| Credit loss provision to net charge-offs | 857.1429% | 578 |
| Earnings coverage of net charge-offs (x) | 179.3714% | 579 |
| Efficiency ratio | 66.8024% | 2,146 |
| Assets per employee ($millions) | 6.0401% | 2,726 |
| Cash dividends to net income (ytd only)* | 69.2294% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,749 |
| Loan loss allowance to noncurrent loans | 252.1116% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 2,425 |
| Noncurrent loans to loans | 0.3971% | 2,167 |
| Net loans and leases to total assets | 56.3114% | 2,564 |
| Net loans and leases to deposits | 63.9492% | 2,692 |
| Net loans and leases to core deposits | 66.3155% | 2,789 |
| Total domestic deposits to total assets | 88.0565% | 2,014 |
| Equity capital to assets | 9.3516% | 3,272 |
| Core capital (leverage) ratio | 8.8261% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $524,264,800 | 1,640 |
| Average earning assets | $489,000,000 | 1,637 |
| Average equity | $51,799,600 | 1,709 |
| Average total loans | $299,478,600 | 1,707 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 2,532 |
| Cost of funding earning assets | 0.4154% | 1,579 |
| Net interest margin | 3.1945% | 2,746 |
| Noninterest income to average assets | 0.6785% | 1,895 |
| Noninterest expense to average assets | 2.4184% | 2,382 |
| Loan and lease loss provision to assets | 0.0581% | 1,826 |
| Net operating income to assets | 1.0462% | 2,743 |
| Return on assets (ROA) | 1.0862% | 2,661 |
| Pretax return on assets | 1.2230% | 2,857 |
| Return on Equity (ROE) | 10.8373% | 2,421 |
| Retained earnings to average equity (ytd only) | 3.9465% | 3,594 |
| Net charge-offs to loans | 0.0117% | 1,892 |
| Credit loss provision to net charge-offs | 865.3846% | 556 |
| Earnings coverage of net charge-offs (x) | 184.1538% | 587 |
| Efficiency ratio | 66.1745% | 2,078 |
| Assets per employee ($millions) | 6.0010% | 2,696 |
| Cash dividends to net income (ytd only)* | 63.5845% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 3,825 |
| Loan loss allowance to noncurrent loans | 339.6930% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 0.1689% | 2,998 |
| Noncurrent loans to loans | 0.2959% | 2,728 |
| Net loans and leases to total assets | 56.4925% | 2,674 |
| Net loans and leases to deposits | 64.8592% | 2,747 |
| Net loans and leases to core deposits | 67.1387% | 2,843 |
| Total domestic deposits to total assets | 87.1002% | 2,316 |
| Equity capital to assets | 9.6319% | 3,265 |
| Core capital (leverage) ratio | 9.0570% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $516,408,500 | 1,676 |
| Average earning assets | $481,106,750 | 1,674 |
| Average equity | $51,758,000 | 1,731 |
| Average total loans | $295,328,000 | 1,760 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5922% | 2,647 |
| Cost of funding earning assets | 0.4277% | 1,674 |
| Net interest margin | 3.1644% | 2,863 |
| Noninterest income to average assets | 0.6840% | 1,873 |
| Noninterest expense to average assets | 2.4035% | 2,452 |
| Loan and lease loss provision to assets | 0.0590% | 1,848 |
| Net operating income to assets | 1.0417% | 2,753 |
| Return on assets (ROA) | 1.0655% | 2,735 |
| Pretax return on assets | 1.1929% | 2,932 |
| Return on Equity (ROE) | 10.4857% | 2,590 |
| Retained earnings to average equity (ytd only) | 2.6282% | 3,965 |
| Net charge-offs to loans | 0.0089% | 1,805 |
| Credit loss provision to net charge-offs | 1,153.8462% | 433 |
| Earnings coverage of net charge-offs (x) | 239.6154% | 447 |
| Efficiency ratio | 66.2367% | 2,118 |
| Assets per employee ($millions) | 5.6474% | 2,964 |
| Cash dividends to net income (ytd only)* | 74.9354% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,715 |
| Loan loss allowance to noncurrent loans | 339.9776% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.1738% | 3,106 |
| Noncurrent loans to loans | 0.3031% | 2,840 |
| Net loans and leases to total assets | 56.7362% | 2,808 |
| Net loans and leases to deposits | 65.1767% | 2,884 |
| Net loans and leases to core deposits | 66.6023% | 3,060 |
| Total domestic deposits to total assets | 87.0499% | 2,288 |
| Equity capital to assets | 10.1459% | 2,726 |
| Core capital (leverage) ratio | 9.3005% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $508,513,667 | 1,683 |
| Average earning assets | $473,195,333 | 1,688 |
| Average equity | $51,670,333 | 1,727 |
| Average total loans | $291,034,000 | 1,778 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 2,701 |
| Cost of funding earning assets | 0.4549% | 1,686 |
| Net interest margin | 3.1257% | 2,912 |
| Noninterest income to average assets | 0.7062% | 1,855 |
| Noninterest expense to average assets | 2.4222% | 2,428 |
| Loan and lease loss provision to assets | 0.0593% | 1,940 |
| Net operating income to assets | 1.0178% | 2,756 |
| Return on assets (ROA) | 1.0178% | 2,840 |
| Pretax return on assets | 1.1316% | 3,037 |
| Return on Equity (ROE) | 10.0087% | 2,682 |
| Retained earnings to average equity (ytd only) | 0.0156% | 4,365 |
| Net charge-offs to loans | 0.0249% | 1,256 |
| Credit loss provision to net charge-offs | 416.6667% | 639 |
| Earnings coverage of net charge-offs (x) | 83.6667% | 678 |
| Efficiency ratio | 67.0387% | 2,074 |
| Assets per employee ($millions) | 5.8992% | 2,699 |
| Cash dividends to net income (ytd only)* | 99.8446% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,844 |
| Loan loss allowance to noncurrent loans | 543.3824% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 3,647 |
| Noncurrent loans to loans | 0.1835% | 3,447 |
| Net loans and leases to total assets | 57.1745% | 2,886 |
| Net loans and leases to deposits | 65.4838% | 2,975 |
| Net loans and leases to core deposits | 67.2758% | 3,132 |
| Total domestic deposits to total assets | 87.3109% | 2,177 |
| Equity capital to assets | 9.8300% | 2,864 |
| Core capital (leverage) ratio | 9.3390% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,815,500 | 1,675 |
| Average earning assets | $470,424,000 | 1,679 |
| Average equity | $51,435,000 | 1,721 |
| Average total loans | $289,246,500 | 1,794 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9443% | 2,893 |
| Cost of funding earning assets | 0.6391% | 2,063 |
| Net interest margin | 3.3052% | 3,058 |
| Noninterest income to average assets | 0.8220% | 1,474 |
| Noninterest expense to average assets | 2.5859% | 2,600 |
| Loan and lease loss provision to assets | 0.1016% | 3,060 |
| Net operating income to assets | 1.0723% | 2,014 |
| Return on assets (ROA) | 1.1419% | 1,883 |
| Pretax return on assets | 1.2788% | 2,050 |
| Return on Equity (ROE) | 10.5468% | 1,791 |
| Retained earnings to average equity (ytd only) | 3.4353% | 3,108 |
| Net charge-offs to loans | 0.1236% | 1,263 |
| Credit loss provision to net charge-offs | 142.2156% | 2,469 |
| Earnings coverage of net charge-offs (x) | 18.2275% | 2,034 |
| Efficiency ratio | 66.5090% | 2,448 |
| Assets per employee ($millions) | 5.6000% | 2,743 |
| Cash dividends to net income (ytd only)* | 67.4284% | 1,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 3,769 |
| Loan loss allowance to noncurrent loans | 660.3645% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 3,885 |
| Noncurrent loans to loans | 0.1556% | 3,663 |
| Net loans and leases to total assets | 56.0194% | 3,300 |
| Net loans and leases to deposits | 64.8967% | 3,366 |
| Net loans and leases to core deposits | 66.9521% | 3,474 |
| Total domestic deposits to total assets | 86.3209% | 2,224 |
| Equity capital to assets | 10.5176% | 2,659 |
| Core capital (leverage) ratio | 9.6561% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $467,537,800 | 1,643 |
| Average earning assets | $433,716,000 | 1,648 |
| Average equity | $50,622,000 | 1,676 |
| Average total loans | $270,189,600 | 1,828 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 3,067 |
| Cost of funding earning assets | 0.6909% | 2,081 |
| Net interest margin | 3.2772% | 3,253 |
| Noninterest income to average assets | 0.7864% | 1,547 |
| Noninterest expense to average assets | 2.5116% | 2,801 |
| Loan and lease loss provision to assets | 0.0942% | 3,138 |
| Net operating income to assets | 1.0862% | 2,033 |
| Return on assets (ROA) | 1.1798% | 1,832 |
| Pretax return on assets | 1.3240% | 1,957 |
| Return on Equity (ROE) | 10.8131% | 1,746 |
| Retained earnings to average equity (ytd only) | 2.3385% | 3,804 |
| Net charge-offs to loans | 0.0309% | 2,213 |
| Credit loss provision to net charge-offs | 524.1935% | 1,250 |
| Earnings coverage of net charge-offs (x) | 73.0323% | 968 |
| Efficiency ratio | 65.6710% | 2,508 |
| Assets per employee ($millions) | 5.3602% | 2,825 |
| Cash dividends to net income (ytd only)* | 78.3731% | 627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,348 |
| Loan loss allowance to noncurrent loans | 653.8961% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 3,950 |
| Noncurrent loans to loans | 0.1641% | 3,729 |
| Net loans and leases to total assets | 58.3833% | 3,384 |
| Net loans and leases to deposits | 67.9747% | 3,464 |
| Net loans and leases to core deposits | 70.1638% | 3,612 |
| Total domestic deposits to total assets | 85.8897% | 2,116 |
| Equity capital to assets | 10.8631% | 2,509 |
| Core capital (leverage) ratio | 9.8245% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $459,821,250 | 1,650 |
| Average earning assets | $426,282,750 | 1,648 |
| Average equity | $50,172,500 | 1,679 |
| Average total loans | $267,211,500 | 1,829 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1404% | 2,935 |
| Cost of funding earning assets | 0.7686% | 2,002 |
| Net interest margin | 3.3718% | 3,184 |
| Noninterest income to average assets | 0.6254% | 2,033 |
| Noninterest expense to average assets | 2.4917% | 2,984 |
| Loan and lease loss provision to assets | 0.0771% | 3,331 |
| Net operating income to assets | 1.0513% | 2,142 |
| Return on assets (ROA) | 1.1936% | 1,786 |
| Pretax return on assets | 1.3412% | 1,897 |
| Return on Equity (ROE) | 10.9225% | 1,658 |
| Retained earnings to average equity (ytd only) | 2.3578% | 3,621 |
| Net charge-offs to loans | 0.0251% | 2,216 |
| Credit loss provision to net charge-offs | 530.3030% | 1,181 |
| Earnings coverage of net charge-offs (x) | 86.5758% | 766 |
| Efficiency ratio | 66.4435% | 2,453 |
| Assets per employee ($millions) | 5.0885% | 3,078 |
| Cash dividends to net income (ytd only)* | 78.4133% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,285 |
| Loan loss allowance to noncurrent loans | 205.2371% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 3,088 |
| Noncurrent loans to loans | 0.5156% | 2,612 |
| Net loans and leases to total assets | 58.5542% | 3,463 |
| Net loans and leases to deposits | 68.4812% | 3,526 |
| Net loans and leases to core deposits | 70.7967% | 3,653 |
| Total domestic deposits to total assets | 85.5039% | 2,201 |
| Equity capital to assets | 10.9746% | 2,364 |
| Core capital (leverage) ratio | 10.0237% | 2,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $454,076,333 | 1,644 |
| Average earning assets | $420,782,667 | 1,644 |
| Average equity | $49,622,333 | 1,679 |
| Average total loans | $262,434,667 | 1,835 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 2,979 |
| Cost of funding earning assets | 0.9051% | 1,834 |
| Net interest margin | 3.3772% | 3,370 |
| Noninterest income to average assets | 0.4973% | 2,560 |
| Noninterest expense to average assets | 2.6442% | 2,851 |
| Loan and lease loss provision to assets | 0.0667% | 2,929 |
| Net operating income to assets | 0.8214% | 2,829 |
| Return on assets (ROA) | 1.1112% | 1,900 |
| Pretax return on assets | 1.2358% | 2,082 |
| Return on Equity (ROE) | 10.1908% | 1,683 |
| Retained earnings to average equity (ytd only) | -0.3345% | 4,042 |
| Net charge-offs to loans | 0.0281% | 1,814 |
| Credit loss provision to net charge-offs | 416.6667% | 976 |
| Earnings coverage of net charge-offs (x) | 61.2222% | 797 |
| Efficiency ratio | 72.9504% | 1,947 |
| Assets per employee ($millions) | 5.0034% | 2,645 |
| Cash dividends to net income (ytd only)* | 103.2826% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0879% | 3,275 |
| Loan loss allowance to noncurrent loans | 399.2908% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 3,867 |
| Noncurrent loans to loans | 0.2725% | 3,522 |
| Net loans and leases to total assets | 57.4731% | 3,712 |
| Net loans and leases to deposits | 69.5911% | 3,623 |
| Net loans and leases to core deposits | 72.3227% | 3,739 |
| Total domestic deposits to total assets | 82.5869% | 3,240 |
| Equity capital to assets | 11.2005% | 2,679 |
| Core capital (leverage) ratio | 10.0397% | 3,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $449,589,500 | 1,614 |
| Average earning assets | $416,322,500 | 1,612 |
| Average equity | $49,024,500 | 1,690 |
| Average total loans | $256,634,500 | 1,821 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2957% | 3,549 |
| Cost of funding earning assets | 1.2196% | 980 |
| Net interest margin | 3.0761% | 4,405 |
| Noninterest income to average assets | 0.5747% | 2,338 |
| Noninterest expense to average assets | 2.3487% | 3,827 |
| Loan and lease loss provision to assets | -0.0282% | 4,974 |
| Net operating income to assets | 1.0239% | 2,753 |
| Return on assets (ROA) | 1.0812% | 2,617 |
| Pretax return on assets | 1.1806% | 2,906 |
| Return on Equity (ROE) | 11.0588% | 1,859 |
| Retained earnings to average equity (ytd only) | 5.0344% | 2,393 |
| Net charge-offs to loans | 0.0166% | 3,123 |
| Credit loss provision to net charge-offs | -317.0732% | 4,362 |
| Earnings coverage of net charge-offs (x) | 122.7805% | 580 |
| Efficiency ratio | 68.2997% | 2,417 |
| Assets per employee ($millions) | 5.1577% | 2,387 |
| Cash dividends to net income (ytd only)* | 54.4763% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 3,041 |
| Loan loss allowance to noncurrent loans | 125.8212% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,479 |
| Noncurrent loans to loans | 0.8612% | 1,787 |
| Net loans and leases to total assets | 55.4703% | 3,959 |
| Net loans and leases to deposits | 68.1184% | 3,811 |
| Net loans and leases to core deposits | 70.1496% | 3,958 |
| Total domestic deposits to total assets | 81.4322% | 3,670 |
| Equity capital to assets | 10.6137% | 3,337 |
| Core capital (leverage) ratio | 9.9235% | 3,599 |
| Tier 1 risk-based capital ratio | 12.4290% | 4,114 |
| Total risk-based capital ratio | 13.1960% | 4,274 |
| Memoranda: | ||
| Average total assets | $461,780,600 | 1,516 |
| Average earning assets | $429,966,000 | 1,502 |
| Average equity | $45,149,600 | 1,753 |
| Average total loans | $246,809,600 | 1,843 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 3,627 |
| Cost of funding earning assets | 1.2883% | 815 |
| Net interest margin | 3.0221% | 4,595 |
| Noninterest income to average assets | 0.5773% | 2,324 |
| Noninterest expense to average assets | 2.3112% | 3,923 |
| Loan and lease loss provision to assets | -0.0863% | 5,151 |
| Net operating income to assets | 1.0611% | 2,733 |
| Return on assets (ROA) | 1.1276% | 2,553 |
| Pretax return on assets | 1.2423% | 2,841 |
| Return on Equity (ROE) | 11.7791% | 1,694 |
| Retained earnings to average equity (ytd only) | 5.0817% | 2,850 |
| Net charge-offs to loans | 0.0218% | 2,667 |
| Credit loss provision to net charge-offs | -750.0000% | 4,380 |
| Earnings coverage of net charge-offs (x) | 94.1785% | 781 |
| Efficiency ratio | 68.0925% | 2,401 |
| Assets per employee ($millions) | 5.5076% | 2,025 |
| Cash dividends to net income (ytd only)* | 56.8588% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,336 |
| Loan loss allowance to noncurrent loans | 358.0913% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 3,977 |
| Noncurrent loans to loans | 0.2912% | 3,493 |
| Net loans and leases to total assets | 51.8797% | 4,323 |
| Net loans and leases to deposits | 58.4489% | 4,457 |
| Net loans and leases to core deposits | 60.1169% | 4,532 |
| Total domestic deposits to total assets | 88.7609% | 704 |
| Equity capital to assets | 10.0868% | 3,934 |
| Core capital (leverage) ratio | 9.0095% | 4,629 |
| Tier 1 risk-based capital ratio | 12.5767% | 4,097 |
| Total risk-based capital ratio | 13.3149% | 4,280 |
| Memoranda: | ||
| Average total assets | $463,756,500 | 1,518 |
| Average earning assets | $432,278,000 | 1,511 |
| Average equity | $44,393,750 | 1,784 |
| Average total loans | $244,880,750 | 1,865 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2715% | 3,725 |
| Cost of funding earning assets | 1.2343% | 902 |
| Net interest margin | 3.0372% | 4,621 |
| Noninterest income to average assets | 0.5833% | 2,228 |
| Noninterest expense to average assets | 2.3220% | 3,951 |
| Loan and lease loss provision to assets | -0.0434% | 5,169 |
| Net operating income to assets | 1.0216% | 2,839 |
| Return on assets (ROA) | 1.1076% | 2,567 |
| Pretax return on assets | 1.2349% | 2,803 |
| Return on Equity (ROE) | 11.7875% | 1,665 |
| Retained earnings to average equity (ytd only) | 3.6287% | 3,434 |
| Net charge-offs to loans | 0.0164% | 2,564 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | 126.1500% | 578 |
| Efficiency ratio | 67.9375% | 2,538 |
| Assets per employee ($millions) | 5.9230% | 1,601 |
| Cash dividends to net income (ytd only)* | 69.2157% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 2,828 |
| Loan loss allowance to noncurrent loans | 393.9691% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 3,447 |
| Noncurrent loans to loans | 0.2901% | 3,492 |
| Net loans and leases to total assets | 48.8422% | 4,533 |
| Net loans and leases to deposits | 55.0053% | 4,633 |
| Net loans and leases to core deposits | 56.6216% | 4,695 |
| Total domestic deposits to total assets | 88.7954% | 744 |
| Equity capital to assets | 9.1507% | 4,695 |
| Core capital (leverage) ratio | 8.8260% | 4,768 |
| Tier 1 risk-based capital ratio | 12.7103% | 4,007 |
| Total risk-based capital ratio | 13.5367% | 4,116 |
| Memoranda: | ||
| Average total assets | $460,456,330 | 1,532 |
| Average earning assets | $429,734,000 | 1,529 |
| Average equity | $43,266,000 | 1,817 |
| Average total loans | $243,734,000 | 1,877 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 3,678 |
| Cost of funding earning assets | 1.0493% | 1,381 |
| Net interest margin | 3.2091% | 4,367 |
| Noninterest income to average assets | 0.5766% | 2,155 |
| Noninterest expense to average assets | 2.4050% | 3,762 |
| Loan and lease loss provision to assets | 0.0679% | 2,314 |
| Net operating income to assets | 0.9756% | 2,945 |
| Return on assets (ROA) | 1.1278% | 2,409 |
| Pretax return on assets | 1.2645% | 2,584 |
| Return on Equity (ROE) | 11.8286% | 1,601 |
| Retained earnings to average equity (ytd only) | 0.9114% | 4,334 |
| Net charge-offs to loans | 0.0066% | 2,463 |
| Credit loss provision to net charge-offs | 1,875.0000% | 227 |
| Earnings coverage of net charge-offs (x) | 320.7500% | 254 |
| Efficiency ratio | 67.4365% | 2,722 |
| Assets per employee ($millions) | 5.5885% | 1,895 |
| Cash dividends to net income (ytd only)* | 92.2953% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,443 |
| Loan loss allowance to noncurrent loans | 826.4463% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,719 |
| Noncurrent loans to loans | 0.1484% | 4,067 |
| Net loans and leases to total assets | 52.0794% | 4,330 |
| Net loans and leases to deposits | 58.9237% | 4,464 |
| Net loans and leases to core deposits | 61.0674% | 4,528 |
| Total domestic deposits to total assets | 88.3844% | 1,139 |
| Equity capital to assets | 9.3390% | 4,398 |
| Core capital (leverage) ratio | 9.9338% | 3,675 |
| Tier 1 risk-based capital ratio | 12.8641% | 3,948 |
| Total risk-based capital ratio | 13.7718% | 4,029 |
| Memoranda: | ||
| Average total assets | $441,917,000 | 1,592 |
| Average earning assets | $411,703,000 | 1,589 |
| Average equity | $42,135,000 | 1,848 |
| Average total loans | $242,693,000 | 1,900 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 2,950 |
| Cost of funding earning assets | 0.8614% | 1,258 |
| Net interest margin | 3.4821% | 3,763 |
| Noninterest income to average assets | 0.6291% | 2,152 |
| Noninterest expense to average assets | 2.4719% | 3,692 |
| Loan and lease loss provision to assets | 0.1131% | 1,948 |
| Net operating income to assets | 1.1695% | 2,316 |
| Return on assets (ROA) | 1.2765% | 1,886 |
| Pretax return on assets | 1.4078% | 2,107 |
| Return on Equity (ROE) | 13.2436% | 1,252 |
| Retained earnings to average equity (ytd only) | 7.7412% | 1,357 |
| Net charge-offs to loans | 0.0223% | 2,975 |
| Credit loss provision to net charge-offs | 861.1111% | 414 |
| Earnings coverage of net charge-offs (x) | 106.8333% | 710 |
| Efficiency ratio | 63.7853% | 3,216 |
| Assets per employee ($millions) | 5.0601% | 2,420 |
| Cash dividends to net income (ytd only)* | 41.5476% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,491 |
| Loan loss allowance to noncurrent loans | 344.1833% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 3,814 |
| Noncurrent loans to loans | 0.3534% | 3,277 |
| Net loans and leases to total assets | 56.6418% | 4,082 |
| Net loans and leases to deposits | 68.2379% | 3,960 |
| Net loans and leases to core deposits | 71.4495% | 4,031 |
| Total domestic deposits to total assets | 83.0063% | 3,328 |
| Equity capital to assets | 9.7507% | 3,902 |
| Core capital (leverage) ratio | 10.1758% | 3,379 |
| Tier 1 risk-based capital ratio | 13.3728% | 3,622 |
| Total risk-based capital ratio | 14.2962% | 3,712 |
| Memoranda: | ||
| Average total assets | $411,061,000 | 1,665 |
| Average earning assets | $383,219,800 | 1,660 |
| Average equity | $39,619,000 | 1,881 |
| Average total loans | $241,780,200 | 1,870 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2903% | 3,001 |
| Cost of funding earning assets | 0.8156% | 1,258 |
| Net interest margin | 3.4747% | 3,783 |
| Noninterest income to average assets | 0.6337% | 2,148 |
| Noninterest expense to average assets | 2.5144% | 3,543 |
| Loan and lease loss provision to assets | 0.1076% | 1,861 |
| Net operating income to assets | 1.1172% | 2,590 |
| Return on assets (ROA) | 1.2220% | 2,148 |
| Pretax return on assets | 1.3707% | 2,339 |
| Return on Equity (ROE) | 12.7168% | 1,533 |
| Retained earnings to average equity (ytd only) | 6.6078% | 2,332 |
| Net charge-offs to loans | 0.0182% | 2,786 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 126.4211% | 633 |
| Efficiency ratio | 64.8881% | 3,048 |
| Assets per employee ($millions) | 4.8402% | 2,670 |
| Cash dividends to net income (ytd only)* | 48.0384% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 2,815 |
| Loan loss allowance to noncurrent loans | 333.1361% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 3,918 |
| Noncurrent loans to loans | 0.3500% | 3,398 |
| Net loans and leases to total assets | 57.9985% | 4,042 |
| Net loans and leases to deposits | 68.0377% | 4,061 |
| Net loans and leases to core deposits | 71.2739% | 4,118 |
| Total domestic deposits to total assets | 85.2446% | 2,512 |
| Equity capital to assets | 9.2792% | 4,301 |
| Core capital (leverage) ratio | 10.2146% | 3,388 |
| Tier 1 risk-based capital ratio | 13.1126% | 3,840 |
| Total risk-based capital ratio | 14.0064% | 3,951 |
| Memoranda: | ||
| Average total assets | $408,828,250 | 1,681 |
| Average earning assets | $381,380,750 | 1,673 |
| Average equity | $39,285,750 | 1,893 |
| Average total loans | $242,020,250 | 1,877 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2624% | 2,899 |
| Cost of funding earning assets | 0.7909% | 1,168 |
| Net interest margin | 3.4715% | 3,729 |
| Noninterest income to average assets | 0.6613% | 2,045 |
| Noninterest expense to average assets | 2.5306% | 3,548 |
| Loan and lease loss provision to assets | 0.0956% | 2,019 |
| Net operating income to assets | 1.1264% | 2,494 |
| Return on assets (ROA) | 1.2834% | 1,850 |
| Pretax return on assets | 1.4501% | 1,987 |
| Return on Equity (ROE) | 13.2037% | 1,300 |
| Retained earnings to average equity (ytd only) | 6.0168% | 2,549 |
| Net charge-offs to loans | 0.0206% | 2,467 |
| Credit loss provision to net charge-offs | 780.0000% | 509 |
| Earnings coverage of net charge-offs (x) | 111.7200% | 643 |
| Efficiency ratio | 64.8900% | 3,175 |
| Assets per employee ($millions) | 4.8614% | 2,603 |
| Cash dividends to net income (ytd only)* | 54.4309% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,266 |
| Loan loss allowance to noncurrent loans | 322.6891% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 3,972 |
| Noncurrent loans to loans | 0.3408% | 3,479 |
| Net loans and leases to total assets | 59.9130% | 3,820 |
| Net loans and leases to deposits | 72.3152% | 3,683 |
| Net loans and leases to core deposits | 76.4511% | 3,713 |
| Total domestic deposits to total assets | 82.8498% | 3,454 |
| Equity capital to assets | 9.6665% | 3,945 |
| Core capital (leverage) ratio | 9.9820% | 3,599 |
| Tier 1 risk-based capital ratio | 13.2385% | 3,769 |
| Total risk-based capital ratio | 14.1162% | 3,886 |
| Memoranda: | ||
| Average total assets | $407,965,670 | 1,691 |
| Average earning assets | $380,579,330 | 1,685 |
| Average equity | $39,655,670 | 1,877 |
| Average total loans | $242,217,000 | 1,876 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1863% | 2,925 |
| Cost of funding earning assets | 0.7577% | 1,150 |
| Net interest margin | 3.4285% | 3,784 |
| Noninterest income to average assets | 0.6397% | 2,075 |
| Noninterest expense to average assets | 2.5178% | 3,589 |
| Loan and lease loss provision to assets | 0.0878% | 2,044 |
| Net operating income to assets | 1.0821% | 2,513 |
| Return on assets (ROA) | 1.3662% | 1,447 |
| Pretax return on assets | 1.5602% | 1,496 |
| Return on Equity (ROE) | 14.0165% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.5116% | 3,798 |
| Net charge-offs to loans | 0.0265% | 1,966 |
| Credit loss provision to net charge-offs | 562.5000% | 540 |
| Earnings coverage of net charge-offs (x) | 84.9375% | 680 |
| Efficiency ratio | 65.5164% | 3,247 |
| Assets per employee ($millions) | 4.9966% | 2,498 |
| Cash dividends to net income (ytd only)* | 74.9465% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 3,565 |
| Loan loss allowance to noncurrent loans | 322.7895% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.1960% | 4,101 |
| Noncurrent loans to loans | 0.3303% | 3,584 |
| Net loans and leases to total assets | 58.6989% | 3,880 |
| Net loans and leases to deposits | 70.9681% | 3,704 |
| Net loans and leases to core deposits | 74.7369% | 3,761 |
| Total domestic deposits to total assets | 82.7116% | 3,753 |
| Equity capital to assets | 9.4904% | 4,100 |
| Core capital (leverage) ratio | 9.7000% | 3,844 |
| Tier 1 risk-based capital ratio | 13.0130% | 3,936 |
| Total risk-based capital ratio | 13.8625% | 4,074 |
| Memoranda: | ||
| Average total assets | $410,201,000 | 1,690 |
| Average earning assets | $383,252,500 | 1,681 |
| Average equity | $39,981,500 | 1,871 |
| Average total loans | $241,108,500 | 1,894 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 3,197 |
| Cost of funding earning assets | 0.6961% | 1,048 |
| Net interest margin | 3.3666% | 3,944 |
| Noninterest income to average assets | 0.6310% | 2,304 |
| Noninterest expense to average assets | 2.3483% | 4,212 |
| Loan and lease loss provision to assets | 0.1241% | 1,843 |
| Net operating income to assets | 1.0862% | 1,900 |
| Return on assets (ROA) | 1.2267% | 1,458 |
| Pretax return on assets | 1.4766% | 1,732 |
| Return on Equity (ROE) | 12.5375% | 1,068 |
| Retained earnings to average equity (ytd only) | 6.9563% | 1,096 |
| Net charge-offs to loans | 0.0887% | 2,205 |
| Credit loss provision to net charge-offs | 248.7562% | 1,112 |
| Earnings coverage of net charge-offs (x) | 28.6915% | 1,594 |
| Efficiency ratio | 62.1290% | 3,919 |
| Assets per employee ($millions) | 5.0083% | 2,463 |
| Cash dividends to net income (ytd only)* | 44.5164% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,610 |
| Loan loss allowance to noncurrent loans | 314.3571% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1950% | 4,161 |
| Noncurrent loans to loans | 0.3350% | 3,564 |
| Net loans and leases to total assets | 57.6129% | 4,049 |
| Net loans and leases to deposits | 70.7027% | 3,815 |
| Net loans and leases to core deposits | 74.2671% | 3,860 |
| Total domestic deposits to total assets | 81.4862% | 4,002 |
| Equity capital to assets | 10.0026% | 3,704 |
| Core capital (leverage) ratio | 9.7152% | 3,795 |
| Tier 1 risk-based capital ratio | 13.2420% | 3,762 |
| Total risk-based capital ratio | 14.0893% | 3,904 |
| Memoranda: | ||
| Average total assets | $402,881,600 | 1,691 |
| Average earning assets | $376,823,400 | 1,683 |
| Average equity | $39,417,600 | 1,881 |
| Average total loans | $226,520,800 | 1,955 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,231 |
| Cost of funding earning assets | 0.6837% | 1,050 |
| Net interest margin | 3.3504% | 4,012 |
| Noninterest income to average assets | 0.6146% | 2,391 |
| Noninterest expense to average assets | 2.3561% | 4,134 |
| Loan and lease loss provision to assets | 0.1264% | 1,715 |
| Net operating income to assets | 1.0225% | 2,459 |
| Return on assets (ROA) | 1.1835% | 1,804 |
| Pretax return on assets | 1.4649% | 1,901 |
| Return on Equity (ROE) | 12.1665% | 1,288 |
| Retained earnings to average equity (ytd only) | 5.8764% | 2,319 |
| Net charge-offs to loans | 0.0310% | 2,808 |
| Credit loss provision to net charge-offs | 730.7692% | 470 |
| Earnings coverage of net charge-offs (x) | 80.5211% | 810 |
| Efficiency ratio | 62.8549% | 3,742 |
| Assets per employee ($millions) | 5.0577% | 2,384 |
| Cash dividends to net income (ytd only)* | 51.6999% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 3,502 |
| Loan loss allowance to noncurrent loans | 265.8664% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2368% | 4,111 |
| Noncurrent loans to loans | 0.4123% | 3,468 |
| Net loans and leases to total assets | 56.8023% | 4,170 |
| Net loans and leases to deposits | 66.8621% | 4,193 |
| Net loans and leases to core deposits | 69.5617% | 4,267 |
| Total domestic deposits to total assets | 84.9544% | 2,731 |
| Equity capital to assets | 9.9435% | 3,973 |
| Core capital (leverage) ratio | 9.5643% | 4,077 |
| Tier 1 risk-based capital ratio | 13.4439% | 3,738 |
| Total risk-based capital ratio | 14.3306% | 3,861 |
| Memoranda: | ||
| Average total assets | $400,931,500 | 1,713 |
| Average earning assets | $375,033,500 | 1,702 |
| Average equity | $39,002,250 | 1,913 |
| Average total loans | $223,370,000 | 1,984 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,268 |
| Cost of funding earning assets | 0.6634% | 1,076 |
| Net interest margin | 3.3192% | 4,053 |
| Noninterest income to average assets | 0.6145% | 2,387 |
| Noninterest expense to average assets | 2.3402% | 4,240 |
| Loan and lease loss provision to assets | 0.1051% | 1,927 |
| Net operating income to assets | 1.0221% | 2,321 |
| Return on assets (ROA) | 1.2174% | 1,582 |
| Pretax return on assets | 1.5176% | 1,575 |
| Return on Equity (ROE) | 12.6088% | 1,140 |
| Retained earnings to average equity (ytd only) | 4.9907% | 2,716 |
| Net charge-offs to loans | 0.0499% | 2,219 |
| Credit loss provision to net charge-offs | 381.8182% | 806 |
| Earnings coverage of net charge-offs (x) | 50.0909% | 1,072 |
| Efficiency ratio | 62.9306% | 3,831 |
| Assets per employee ($millions) | 5.0713% | 2,306 |
| Cash dividends to net income (ytd only)* | 60.4192% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,952 |
| Loan loss allowance to noncurrent loans | 242.7403% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,952 |
| Noncurrent loans to loans | 0.4248% | 3,495 |
| Net loans and leases to total assets | 56.1603% | 4,212 |
| Net loans and leases to deposits | 67.3992% | 4,119 |
| Net loans and leases to core deposits | 69.9901% | 4,231 |
| Total domestic deposits to total assets | 83.3248% | 3,460 |
| Equity capital to assets | 9.7679% | 4,158 |
| Core capital (leverage) ratio | 9.4579% | 4,172 |
| Tier 1 risk-based capital ratio | 13.0155% | 3,987 |
| Total risk-based capital ratio | 13.8317% | 4,157 |
| Memoranda: | ||
| Average total assets | $399,703,330 | 1,725 |
| Average earning assets | $373,825,670 | 1,711 |
| Average equity | $38,592,000 | 1,930 |
| Average total loans | $220,367,330 | 2,006 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9269% | 3,294 |
| Cost of funding earning assets | 0.6392% | 1,135 |
| Net interest margin | 3.2877% | 4,055 |
| Noninterest income to average assets | 0.5263% | 2,789 |
| Noninterest expense to average assets | 2.3746% | 4,192 |
| Loan and lease loss provision to assets | 0.1059% | 1,804 |
| Net operating income to assets | 0.9024% | 2,750 |
| Return on assets (ROA) | 1.1969% | 1,548 |
| Pretax return on assets | 1.4893% | 1,573 |
| Return on Equity (ROE) | 12.4706% | 1,119 |
| Retained earnings to average equity (ytd only) | 0.9666% | 4,670 |
| Net charge-offs to loans | 0.0798% | 1,536 |
| Credit loss provision to net charge-offs | 244.1860% | 903 |
| Earnings coverage of net charge-offs (x) | 28.3023% | 1,254 |
| Efficiency ratio | 65.9295% | 3,509 |
| Assets per employee ($millions) | 5.0847% | 2,328 |
| Cash dividends to net income (ytd only)* | 92.2494% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0418% | 4,024 |
| Loan loss allowance to noncurrent loans | 227.8721% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 4,004 |
| Noncurrent loans to loans | 0.4572% | 3,459 |
| Net loans and leases to total assets | 53.9386% | 4,338 |
| Net loans and leases to deposits | 63.2386% | 4,352 |
| Net loans and leases to core deposits | 65.5505% | 4,455 |
| Total domestic deposits to total assets | 85.2938% | 2,965 |
| Equity capital to assets | 9.4522% | 4,333 |
| Core capital (leverage) ratio | 9.4541% | 4,171 |
| Tier 1 risk-based capital ratio | 13.3416% | 3,865 |
| Total risk-based capital ratio | 14.1644% | 4,030 |
| Memoranda: | ||
| Average total assets | $396,702,500 | 1,745 |
| Average earning assets | $371,083,500 | 1,728 |
| Average equity | $38,073,500 | 1,958 |
| Average total loans | $215,441,500 | 2,057 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,623 |
| Cost of funding earning assets | 0.6673% | 968 |
| Net interest margin | 3.2184% | 4,385 |
| Noninterest income to average assets | 0.8023% | 1,740 |
| Noninterest expense to average assets | 2.3594% | 4,398 |
| Loan and lease loss provision to assets | 0.2860% | 679 |
| Net operating income to assets | 1.0386% | 2,195 |
| Return on assets (ROA) | 1.1829% | 1,655 |
| Pretax return on assets | 1.3333% | 2,168 |
| Return on Equity (ROE) | 11.4103% | 1,432 |
| Retained earnings to average equity (ytd only) | 5.5329% | 1,995 |
| Net charge-offs to loans | 0.4873% | 507 |
| Credit loss provision to net charge-offs | 116.0981% | 2,269 |
| Earnings coverage of net charge-offs (x) | 5.9158% | 3,255 |
| Efficiency ratio | 61.8179% | 4,283 |
| Assets per employee ($millions) | 4.9584% | 2,436 |
| Cash dividends to net income (ytd only)* | 51.5098% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 4,029 |
| Loan loss allowance to noncurrent loans | 1,386.8750% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 4,969 |
| Noncurrent loans to loans | 0.0755% | 4,938 |
| Net loans and leases to total assets | 53.5382% | 4,479 |
| Net loans and leases to deposits | 63.0454% | 4,470 |
| Net loans and leases to core deposits | 64.8953% | 4,583 |
| Total domestic deposits to total assets | 84.9200% | 3,086 |
| Equity capital to assets | 9.7465% | 4,012 |
| Core capital (leverage) ratio | 9.4804% | 4,113 |
| Tier 1 risk-based capital ratio | 13.7974% | 3,583 |
| Total risk-based capital ratio | 14.6273% | 3,750 |
| Memoranda: | ||
| Average total assets | $380,772,400 | 1,761 |
| Average earning assets | $356,635,200 | 1,738 |
| Average equity | $39,473,200 | 1,863 |
| Average total loans | $192,506,800 | 2,181 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8642% | 3,722 |
| Cost of funding earning assets | 0.6674% | 961 |
| Net interest margin | 3.1967% | 4,499 |
| Noninterest income to average assets | 0.8292% | 1,649 |
| Noninterest expense to average assets | 2.3433% | 4,426 |
| Loan and lease loss provision to assets | 0.3470% | 460 |
| Net operating income to assets | 1.0123% | 2,377 |
| Return on assets (ROA) | 1.2044% | 1,725 |
| Pretax return on assets | 1.3497% | 2,239 |
| Return on Equity (ROE) | 11.4411% | 1,510 |
| Retained earnings to average equity (ytd only) | 4.8579% | 2,925 |
| Net charge-offs to loans | 0.6601% | 299 |
| Credit loss provision to net charge-offs | 105.9203% | 2,266 |
| Earnings coverage of net charge-offs (x) | 4.5199% | 3,256 |
| Efficiency ratio | 61.2746% | 4,338 |
| Assets per employee ($millions) | 4.9892% | 2,377 |
| Cash dividends to net income (ytd only)* | 57.5402% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0622% | 4,058 |
| Loan loss allowance to noncurrent loans | 533.4171% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 5,026 |
| Noncurrent loans to loans | 0.1991% | 4,555 |
| Net loans and leases to total assets | 50.1706% | 4,807 |
| Net loans and leases to deposits | 59.8597% | 4,769 |
| Net loans and leases to core deposits | 61.2698% | 4,872 |
| Total domestic deposits to total assets | 83.8137% | 3,270 |
| Equity capital to assets | 10.4072% | 3,672 |
| Core capital (leverage) ratio | 9.5445% | 4,125 |
| Tier 1 risk-based capital ratio | 14.4752% | 3,296 |
| Total risk-based capital ratio | 15.3250% | 3,441 |
| Memoranda: | ||
| Average total assets | $378,037,750 | 1,777 |
| Average earning assets | $354,186,000 | 1,753 |
| Average equity | $39,797,000 | 1,867 |
| Average total loans | $187,650,000 | 2,231 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8868% | 3,640 |
| Cost of funding earning assets | 0.6725% | 933 |
| Net interest margin | 3.2143% | 4,502 |
| Noninterest income to average assets | 0.9429% | 1,261 |
| Noninterest expense to average assets | 2.3844% | 4,390 |
| Loan and lease loss provision to assets | 0.3730% | 416 |
| Net operating income to assets | 1.0828% | 2,020 |
| Return on assets (ROA) | 1.2934% | 1,398 |
| Pretax return on assets | 1.4308% | 1,902 |
| Return on Equity (ROE) | 12.2368% | 1,229 |
| Retained earnings to average equity (ytd only) | 4.1128% | 3,287 |
| Net charge-offs to loans | 0.7354% | 279 |
| Credit loss provision to net charge-offs | 102.9630% | 2,053 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,000 |
| Efficiency ratio | 60.3013% | 4,604 |
| Assets per employee ($millions) | 4.8357% | 2,508 |
| Cash dividends to net income (ytd only)* | 66.3900% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 4,032 |
| Loan loss allowance to noncurrent loans | 149.4631% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 4,007 |
| Noncurrent loans to loans | 0.7249% | 2,921 |
| Net loans and leases to total assets | 50.5391% | 4,805 |
| Net loans and leases to deposits | 61.4794% | 4,695 |
| Net loans and leases to core deposits | 62.9175% | 4,815 |
| Total domestic deposits to total assets | 82.2049% | 3,937 |
| Equity capital to assets | 10.8958% | 3,169 |
| Core capital (leverage) ratio | 9.5923% | 4,079 |
| Tier 1 risk-based capital ratio | 14.6081% | 3,251 |
| Total risk-based capital ratio | 15.4668% | 3,409 |
| Memoranda: | ||
| Average total assets | $372,667,330 | 1,799 |
| Average earning assets | $349,129,670 | 1,778 |
| Average equity | $39,389,330 | 1,882 |
| Average total loans | $183,576,670 | 2,279 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 3,458 |
| Cost of funding earning assets | 0.6739% | 923 |
| Net interest margin | 3.2587% | 4,366 |
| Noninterest income to average assets | 0.4654% | 3,370 |
| Noninterest expense to average assets | 2.3542% | 4,505 |
| Loan and lease loss provision to assets | 0.0270% | 3,309 |
| Net operating income to assets | 0.9391% | 2,567 |
| Return on assets (ROA) | 1.3013% | 1,336 |
| Pretax return on assets | 1.5810% | 1,347 |
| Return on Equity (ROE) | 12.5079% | 1,152 |
| Retained earnings to average equity (ytd only) | -0.4671% | 5,193 |
| Net charge-offs to loans | 0.0469% | 2,091 |
| Credit loss provision to net charge-offs | 119.0476% | 1,449 |
| Earnings coverage of net charge-offs (x) | 51.4286% | 874 |
| Efficiency ratio | 66.8712% | 3,654 |
| Assets per employee ($millions) | 5.1237% | 2,211 |
| Cash dividends to net income (ytd only)* | 103.7344% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 3,856 |
| Loan loss allowance to noncurrent loans | 666.2379% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 5,249 |
| Noncurrent loans to loans | 0.1706% | 4,802 |
| Net loans and leases to total assets | 48.1760% | 4,957 |
| Net loans and leases to deposits | 58.0506% | 4,851 |
| Net loans and leases to core deposits | 59.2974% | 4,981 |
| Total domestic deposits to total assets | 82.9896% | 3,900 |
| Equity capital to assets | 10.4093% | 3,601 |
| Core capital (leverage) ratio | 9.4845% | 4,221 |
| Tier 1 risk-based capital ratio | 14.9996% | 3,158 |
| Total risk-based capital ratio | 15.8961% | 3,257 |
| Memoranda: | ||
| Average total assets | $370,409,500 | 1,811 |
| Average earning assets | $347,254,500 | 1,790 |
| Average equity | $38,535,500 | 1,910 |
| Average total loans | $179,008,500 | 2,319 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9246% | 3,619 |
| Cost of funding earning assets | 0.6541% | 1,050 |
| Net interest margin | 3.2706% | 4,409 |
| Noninterest income to average assets | 0.4259% | 3,847 |
| Noninterest expense to average assets | 2.1031% | 5,252 |
| Loan and lease loss provision to assets | 0.0304% | 3,763 |
| Net operating income to assets | 1.0899% | 1,968 |
| Return on assets (ROA) | 1.1946% | 1,640 |
| Pretax return on assets | 1.5037% | 1,546 |
| Return on Equity (ROE) | 11.3786% | 1,473 |
| Retained earnings to average equity (ytd only) | 4.7093% | 2,637 |
| Net charge-offs to loans | 0.0292% | 3,633 |
| Credit loss provision to net charge-offs | 224.4898% | 1,265 |
| Earnings coverage of net charge-offs (x) | 103.5510% | 561 |
| Efficiency ratio | 60.0095% | 4,905 |
| Assets per employee ($millions) | 5.1660% | 2,162 |
| Cash dividends to net income (ytd only)* | 58.6127% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 3,602 |
| Loan loss allowance to noncurrent loans | 551.4667% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,110 |
| Noncurrent loans to loans | 0.2134% | 4,651 |
| Net loans and leases to total assets | 47.3527% | 5,069 |
| Net loans and leases to deposits | 58.1683% | 4,901 |
| Net loans and leases to core deposits | 59.5189% | 5,012 |
| Total domestic deposits to total assets | 81.4064% | 4,366 |
| Equity capital to assets | 10.3976% | 3,492 |
| Core capital (leverage) ratio | 9.5474% | 4,104 |
| Tier 1 risk-based capital ratio | 15.5211% | 2,917 |
| Total risk-based capital ratio | 16.4458% | 3,018 |
| Memoranda: | ||
| Average total assets | $362,036,800 | 1,806 |
| Average earning assets | $340,795,800 | 1,780 |
| Average equity | $38,009,800 | 1,886 |
| Average total loans | $167,535,200 | 2,376 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 3,752 |
| Cost of funding earning assets | 0.6440% | 1,128 |
| Net interest margin | 3.2536% | 4,512 |
| Noninterest income to average assets | 0.4282% | 3,882 |
| Noninterest expense to average assets | 2.0957% | 5,279 |
| Loan and lease loss provision to assets | 0.0074% | 4,109 |
| Net operating income to assets | 1.1010% | 1,998 |
| Return on assets (ROA) | 1.2093% | 1,684 |
| Pretax return on assets | 1.5275% | 1,607 |
| Return on Equity (ROE) | 11.4906% | 1,528 |
| Retained earnings to average equity (ytd only) | 5.9963% | 2,251 |
| Net charge-offs to loans | 0.0346% | 3,221 |
| Credit loss provision to net charge-offs | 46.5116% | 3,075 |
| Earnings coverage of net charge-offs (x) | 87.9796% | 700 |
| Efficiency ratio | 59.9894% | 4,890 |
| Assets per employee ($millions) | 5.3729% | 1,887 |
| Cash dividends to net income (ytd only)* | 47.8154% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 4,097 |
| Loan loss allowance to noncurrent loans | 430.3688% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 5,185 |
| Noncurrent loans to loans | 0.2609% | 4,643 |
| Net loans and leases to total assets | 47.1307% | 5,142 |
| Net loans and leases to deposits | 57.3825% | 5,045 |
| Net loans and leases to core deposits | 58.6812% | 5,147 |
| Total domestic deposits to total assets | 82.1342% | 4,122 |
| Equity capital to assets | 10.4313% | 3,670 |
| Core capital (leverage) ratio | 9.5929% | 4,179 |
| Tier 1 risk-based capital ratio | 15.6513% | 2,973 |
| Total risk-based capital ratio | 16.5480% | 3,071 |
| Memoranda: | ||
| Average total assets | $360,849,000 | 1,823 |
| Average earning assets | $339,959,000 | 1,800 |
| Average equity | $37,978,000 | 1,898 |
| Average total loans | $165,481,000 | 2,418 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8971% | 3,707 |
| Cost of funding earning assets | 0.6366% | 1,189 |
| Net interest margin | 3.2605% | 4,448 |
| Noninterest income to average assets | 0.4273% | 3,871 |
| Noninterest expense to average assets | 2.1071% | 5,327 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1015% | 1,950 |
| Return on assets (ROA) | 1.2032% | 1,670 |
| Pretax return on assets | 1.5231% | 1,581 |
| Return on Equity (ROE) | 11.3970% | 1,562 |
| Retained earnings to average equity (ytd only) | 5.0124% | 2,857 |
| Net charge-offs to loans | 0.0111% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 277.0000% | 250 |
| Efficiency ratio | 60.1757% | 4,950 |
| Assets per employee ($millions) | 5.3372% | 1,892 |
| Cash dividends to net income (ytd only)* | 56.0205% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 3,937 |
| Loan loss allowance to noncurrent loans | 502.0101% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 5,423 |
| Noncurrent loans to loans | 0.2341% | 4,830 |
| Net loans and leases to total assets | 46.2847% | 5,223 |
| Net loans and leases to deposits | 57.5692% | 5,022 |
| Net loans and leases to core deposits | 58.8151% | 5,144 |
| Total domestic deposits to total assets | 80.3983% | 4,777 |
| Equity capital to assets | 10.2230% | 3,782 |
| Core capital (leverage) ratio | 9.5418% | 4,225 |
| Tier 1 risk-based capital ratio | 16.1980% | 2,761 |
| Total risk-based capital ratio | 17.1536% | 2,864 |
| Memoranda: | ||
| Average total assets | $357,555,000 | 1,857 |
| Average earning assets | $337,126,330 | 1,824 |
| Average equity | $37,746,670 | 1,918 |
| Average total loans | $161,737,330 | 2,467 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8968% | 3,630 |
| Cost of funding earning assets | 0.6258% | 1,263 |
| Net interest margin | 3.2710% | 4,342 |
| Noninterest income to average assets | 0.4159% | 3,875 |
| Noninterest expense to average assets | 2.0842% | 5,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1032% | 1,861 |
| Return on assets (ROA) | 1.3019% | 1,355 |
| Pretax return on assets | 1.6795% | 1,091 |
| Return on Equity (ROE) | 12.1359% | 1,307 |
| Retained earnings to average equity (ytd only) | 3.1522% | 4,090 |
| Net charge-offs to loans | 0.0076% | 3,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 421.3333% | 126 |
| Efficiency ratio | 59.3961% | 5,171 |
| Assets per employee ($millions) | 5.3841% | 1,909 |
| Cash dividends to net income (ytd only)* | 74.0260% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 3,628 |
| Loan loss allowance to noncurrent loans | 1,185.7988% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 5,748 |
| Noncurrent loans to loans | 0.1063% | 5,378 |
| Net loans and leases to total assets | 44.1617% | 5,339 |
| Net loans and leases to deposits | 52.6803% | 5,292 |
| Net loans and leases to core deposits | 53.7441% | 5,383 |
| Total domestic deposits to total assets | 83.8296% | 3,879 |
| Equity capital to assets | 10.7558% | 3,250 |
| Core capital (leverage) ratio | 9.6265% | 4,113 |
| Tier 1 risk-based capital ratio | 16.5228% | 2,674 |
| Total risk-based capital ratio | 17.5196% | 2,734 |
| Memoranda: | ||
| Average total assets | $354,868,500 | 1,873 |
| Average earning assets | $335,558,000 | 1,834 |
| Average equity | $38,069,000 | 1,924 |
| Average total loans | $157,617,000 | 2,519 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9844% | 3,781 |
| Cost of funding earning assets | 0.6344% | 1,519 |
| Net interest margin | 3.3500% | 4,403 |
| Noninterest income to average assets | 0.4408% | 3,893 |
| Noninterest expense to average assets | 2.0496% | 5,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2042% | 1,572 |
| Return on assets (ROA) | 1.3221% | 1,302 |
| Pretax return on assets | 1.7015% | 985 |
| Return on Equity (ROE) | 13.1328% | 1,105 |
| Retained earnings to average equity (ytd only) | 7.1931% | 1,319 |
| Net charge-offs to loans | -0.0014% | 5,358 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9346% | 5,576 |
| Assets per employee ($millions) | 5.3695% | 1,890 |
| Cash dividends to net income (ytd only)* | 45.2278% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 3,517 |
| Loan loss allowance to noncurrent loans | 1,808.1081% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 5,921 |
| Noncurrent loans to loans | 0.0710% | 5,594 |
| Net loans and leases to total assets | 43.5384% | 5,494 |
| Net loans and leases to deposits | 51.8955% | 5,486 |
| Net loans and leases to core deposits | 52.9445% | 5,566 |
| Total domestic deposits to total assets | 83.8963% | 3,767 |
| Equity capital to assets | 10.6994% | 3,237 |
| Core capital (leverage) ratio | 9.4440% | 4,313 |
| Tier 1 risk-based capital ratio | 16.3591% | 2,780 |
| Total risk-based capital ratio | 17.3569% | 2,854 |
| Memoranda: | ||
| Average total assets | $348,699,800 | 1,864 |
| Average earning assets | $328,832,600 | 1,828 |
| Average equity | $35,103,000 | 1,991 |
| Average total loans | $146,735,000 | 2,617 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0043% | 3,740 |
| Cost of funding earning assets | 0.6300% | 1,601 |
| Net interest margin | 3.3743% | 4,335 |
| Noninterest income to average assets | 0.4304% | 4,019 |
| Noninterest expense to average assets | 2.0759% | 5,627 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1946% | 1,693 |
| Return on assets (ROA) | 1.2961% | 1,438 |
| Pretax return on assets | 1.6639% | 1,150 |
| Return on Equity (ROE) | 13.0851% | 1,203 |
| Retained earnings to average equity (ytd only) | 6.3023% | 2,216 |
| Net charge-offs to loans | 0.0046% | 4,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 798.5802% | 91 |
| Efficiency ratio | 57.5090% | 5,509 |
| Assets per employee ($millions) | 5.1965% | 2,022 |
| Cash dividends to net income (ytd only)* | 51.8366% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 3,365 |
| Loan loss allowance to noncurrent loans | 2,777.7778% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 6,088 |
| Noncurrent loans to loans | 0.0489% | 5,816 |
| Net loans and leases to total assets | 41.1200% | 5,743 |
| Net loans and leases to deposits | 48.7898% | 5,715 |
| Net loans and leases to core deposits | 49.8138% | 5,799 |
| Total domestic deposits to total assets | 84.2798% | 3,649 |
| Equity capital to assets | 10.3008% | 3,788 |
| Core capital (leverage) ratio | 9.2890% | 4,653 |
| Tier 1 risk-based capital ratio | 16.3969% | 2,854 |
| Total risk-based capital ratio | 17.4215% | 2,927 |
| Memoranda: | ||
| Average total assets | $347,278,750 | 1,882 |
| Average earning assets | $327,209,500 | 1,843 |
| Average equity | $34,399,500 | 2,030 |
| Average total loans | $144,343,750 | 2,664 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 3,663 |
| Cost of funding earning assets | 0.6268% | 1,669 |
| Net interest margin | 3.3906% | 4,215 |
| Noninterest income to average assets | 0.4119% | 4,155 |
| Noninterest expense to average assets | 2.0854% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1840% | 1,640 |
| Return on assets (ROA) | 1.2843% | 1,410 |
| Pretax return on assets | 1.6481% | 1,144 |
| Return on Equity (ROE) | 13.1444% | 1,134 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,132 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8499% | 5,573 |
| Assets per employee ($millions) | 5.0557% | 2,140 |
| Cash dividends to net income (ytd only)* | 64.0505% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 3,482 |
| Loan loss allowance to noncurrent loans | 1,336.6667% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 6,066 |
| Noncurrent loans to loans | 0.1027% | 5,708 |
| Net loans and leases to total assets | 41.3056% | 5,724 |
| Net loans and leases to deposits | 49.2170% | 5,695 |
| Net loans and leases to core deposits | 50.2672% | 5,779 |
| Total domestic deposits to total assets | 83.9256% | 3,946 |
| Equity capital to assets | 10.2333% | 3,780 |
| Core capital (leverage) ratio | 9.1021% | 4,871 |
| Tier 1 risk-based capital ratio | 15.8679% | 3,160 |
| Total risk-based capital ratio | 16.8883% | 3,218 |
| Memoranda: | ||
| Average total assets | $345,251,330 | 1,892 |
| Average earning assets | $325,134,000 | 1,850 |
| Average equity | $33,733,000 | 2,056 |
| Average total loans | $143,357,670 | 2,680 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,645 |
| Cost of funding earning assets | 0.6276% | 1,754 |
| Net interest margin | 3.3816% | 4,215 |
| Noninterest income to average assets | 0.4274% | 3,968 |
| Noninterest expense to average assets | 2.1231% | 5,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1503% | 1,629 |
| Return on assets (ROA) | 1.3440% | 1,161 |
| Pretax return on assets | 1.7376% | 901 |
| Return on Equity (ROE) | 14.0944% | 931 |
| Retained earnings to average equity (ytd only) | 4.8732% | 3,189 |
| Net charge-offs to loans | -0.0056% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8254% | 5,563 |
| Assets per employee ($millions) | 5.1783% | 2,034 |
| Cash dividends to net income (ytd only)* | 65.4246% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 3,540 |
| Loan loss allowance to noncurrent loans | 3,460.3448% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 6,265 |
| Noncurrent loans to loans | 0.0408% | 6,028 |
| Net loans and leases to total assets | 40.3708% | 5,784 |
| Net loans and leases to deposits | 46.6581% | 5,808 |
| Net loans and leases to core deposits | 47.6230% | 5,897 |
| Total domestic deposits to total assets | 86.5246% | 3,096 |
| Equity capital to assets | 9.7166% | 4,206 |
| Core capital (leverage) ratio | 9.0631% | 4,913 |
| Tier 1 risk-based capital ratio | 15.9047% | 3,214 |
| Total risk-based capital ratio | 16.9417% | 3,303 |
| Memoranda: | ||
| Average total assets | $343,456,500 | 1,910 |
| Average earning assets | $323,159,500 | 1,866 |
| Average equity | $32,750,500 | 2,101 |
| Average total loans | $141,988,500 | 2,704 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 3,844 |
| Cost of funding earning assets | 0.6497% | 2,204 |
| Net interest margin | 3.4209% | 4,199 |
| Noninterest income to average assets | 0.4809% | 3,878 |
| Noninterest expense to average assets | 1.9729% | 6,072 |
| Loan and lease loss provision to assets | 0.0024% | 5,062 |
| Net operating income to assets | 1.3437% | 1,146 |
| Return on assets (ROA) | 1.3687% | 1,134 |
| Pretax return on assets | 1.7553% | 843 |
| Return on Equity (ROE) | 13.7203% | 1,012 |
| Retained earnings to average equity (ytd only) | 8.1767% | 996 |
| Net charge-offs to loans | 0.0334% | 4,766 |
| Credit loss provision to net charge-offs | 18.1818% | 4,479 |
| Earnings coverage of net charge-offs (x) | 130.4773% | 355 |
| Efficiency ratio | 53.3442% | 6,190 |
| Assets per employee ($millions) | 5.2303% | 1,926 |
| Cash dividends to net income (ytd only)* | 40.4040% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4129% | 3,590 |
| Loan loss allowance to noncurrent loans | 3,398.3051% | 185 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 6,362 |
| Noncurrent loans to loans | 0.0416% | 6,118 |
| Net loans and leases to total assets | 41.1511% | 5,881 |
| Net loans and leases to deposits | 47.2181% | 5,942 |
| Net loans and leases to core deposits | 48.2630% | 6,019 |
| Total domestic deposits to total assets | 87.1512% | 2,645 |
| Equity capital to assets | 9.3509% | 4,621 |
| Core capital (leverage) ratio | 9.0335% | 4,947 |
| Tier 1 risk-based capital ratio | 15.0415% | 3,640 |
| Total risk-based capital ratio | 16.0341% | 3,736 |
| Memoranda: | ||
| Average total assets | $332,712,800 | 1,933 |
| Average earning assets | $312,926,400 | 1,892 |
| Average equity | $33,191,800 | 2,076 |
| Average total loans | $131,582,800 | 2,835 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 4,018 |
| Cost of funding earning assets | 0.6437% | 2,419 |
| Net interest margin | 3.3852% | 4,336 |
| Noninterest income to average assets | 0.5109% | 3,730 |
| Noninterest expense to average assets | 1.9861% | 6,034 |
| Loan and lease loss provision to assets | 0.0032% | 4,892 |
| Net operating income to assets | 1.3346% | 1,257 |
| Return on assets (ROA) | 1.3680% | 1,225 |
| Pretax return on assets | 1.7471% | 1,001 |
| Return on Equity (ROE) | 13.4951% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.0096% | 1,403 |
| Net charge-offs to loans | 0.0238% | 4,654 |
| Credit loss provision to net charge-offs | 34.7826% | 3,806 |
| Earnings coverage of net charge-offs (x) | 184.2364% | 315 |
| Efficiency ratio | 53.7690% | 6,125 |
| Assets per employee ($millions) | 5.0526% | 2,104 |
| Cash dividends to net income (ytd only)* | 40.6480% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 3,607 |
| Loan loss allowance to noncurrent loans | 1,761.7391% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 6,373 |
| Noncurrent loans to loans | 0.0833% | 6,082 |
| Net loans and leases to total assets | 40.7992% | 5,977 |
| Net loans and leases to deposits | 47.3729% | 6,005 |
| Net loans and leases to core deposits | 48.4354% | 6,099 |
| Total domestic deposits to total assets | 86.1235% | 3,182 |
| Equity capital to assets | 9.6860% | 4,316 |
| Core capital (leverage) ratio | 9.0958% | 4,976 |
| Tier 1 risk-based capital ratio | 14.8283% | 3,860 |
| Total risk-based capital ratio | 15.8405% | 3,974 |
| Memoranda: | ||
| Average total assets | $330,898,750 | 1,958 |
| Average earning assets | $311,114,500 | 1,917 |
| Average equity | $33,542,250 | 2,074 |
| Average total loans | $129,002,000 | 2,899 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 4,104 |
| Cost of funding earning assets | 0.6493% | 2,506 |
| Net interest margin | 3.3520% | 4,370 |
| Noninterest income to average assets | 0.5502% | 3,500 |
| Noninterest expense to average assets | 1.9919% | 6,065 |
| Loan and lease loss provision to assets | 0.0048% | 4,729 |
| Net operating income to assets | 1.3377% | 1,233 |
| Return on assets (ROA) | 1.3550% | 1,264 |
| Pretax return on assets | 1.7258% | 1,054 |
| Return on Equity (ROE) | 13.1699% | 1,205 |
| Retained earnings to average equity (ytd only) | 7.7511% | 1,579 |
| Net charge-offs to loans | 0.0143% | 4,562 |
| Credit loss provision to net charge-offs | 88.8889% | 2,465 |
| Earnings coverage of net charge-offs (x) | 313.3333% | 162 |
| Efficiency ratio | 53.8235% | 6,160 |
| Assets per employee ($millions) | 5.0552% | 2,049 |
| Cash dividends to net income (ytd only)* | 41.1449% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5694% | 3,276 |
| Loan loss allowance to noncurrent loans | 910.7143% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,300 |
| Noncurrent loans to loans | 0.1723% | 5,887 |
| Net loans and leases to total assets | 38.9393% | 6,112 |
| Net loans and leases to deposits | 44.1274% | 6,220 |
| Net loans and leases to core deposits | 45.1070% | 6,277 |
| Total domestic deposits to total assets | 88.2430% | 2,080 |
| Equity capital to assets | 9.7587% | 4,231 |
| Core capital (leverage) ratio | 9.0285% | 4,941 |
| Tier 1 risk-based capital ratio | 14.8528% | 3,873 |
| Total risk-based capital ratio | 15.8983% | 3,965 |
| Memoranda: | ||
| Average total assets | $330,041,670 | 1,968 |
| Average earning assets | $310,200,670 | 1,931 |
| Average equity | $33,956,330 | 2,051 |
| Average total loans | $125,976,330 | 2,955 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0036% | 4,104 |
| Cost of funding earning assets | 0.6638% | 2,533 |
| Net interest margin | 3.3397% | 4,354 |
| Noninterest income to average assets | 0.5357% | 3,527 |
| Noninterest expense to average assets | 2.0135% | 6,076 |
| Loan and lease loss provision to assets | 0.0097% | 4,334 |
| Net operating income to assets | 1.2996% | 1,276 |
| Return on assets (ROA) | 1.3254% | 1,317 |
| Pretax return on assets | 1.6785% | 1,128 |
| Return on Equity (ROE) | 12.5611% | 1,278 |
| Retained earnings to average equity (ytd only) | 7.2891% | 2,032 |
| Net charge-offs to loans | 0.0226% | 3,722 |
| Credit loss provision to net charge-offs | 114.2857% | 1,652 |
| Earnings coverage of net charge-offs (x) | 195.5714% | 206 |
| Efficiency ratio | 54.8780% | 6,168 |
| Assets per employee ($millions) | 5.0839% | 2,117 |
| Cash dividends to net income (ytd only)* | 41.9708% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,223 |
| Loan loss allowance to noncurrent loans | 1,982.5243% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0312% | 6,515 |
| Noncurrent loans to loans | 0.0829% | 6,233 |
| Net loans and leases to total assets | 37.0013% | 6,223 |
| Net loans and leases to deposits | 42.3919% | 6,297 |
| Net loans and leases to core deposits | 43.2961% | 6,353 |
| Total domestic deposits to total assets | 87.2839% | 2,768 |
| Equity capital to assets | 10.5708% | 3,461 |
| Core capital (leverage) ratio | 8.8945% | 5,066 |
| Tier 1 risk-based capital ratio | 14.9266% | 3,892 |
| Total risk-based capital ratio | 16.0035% | 3,961 |
| Memoranda: | ||
| Average total assets | $330,768,500 | 1,982 |
| Average earning assets | $310,324,000 | 1,959 |
| Average equity | $34,901,500 | 2,020 |
| Average total loans | $123,969,500 | 3,014 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2496% | 4,399 |
| Cost of funding earning assets | 0.8798% | 2,070 |
| Net interest margin | 3.3698% | 4,997 |
| Noninterest income to average assets | 0.4838% | 4,012 |
| Noninterest expense to average assets | 1.9394% | 6,440 |
| Loan and lease loss provision to assets | 0.0308% | 5,511 |
| Net operating income to assets | 1.3029% | 1,288 |
| Return on assets (ROA) | 1.3518% | 1,315 |
| Pretax return on assets | 1.7567% | 1,007 |
| Return on Equity (ROE) | 13.4603% | 1,111 |
| Retained earnings to average equity (ytd only) | 9.0420% | 807 |
| Net charge-offs to loans | 0.0223% | 5,592 |
| Credit loss provision to net charge-offs | 384.6154% | 628 |
| Earnings coverage of net charge-offs (x) | 215.1923% | 201 |
| Efficiency ratio | 52.9397% | 6,377 |
| Assets per employee ($millions) | 5.0164% | 2,207 |
| Cash dividends to net income (ytd only)* | 32.8243% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6510% | 3,113 |
| Loan loss allowance to noncurrent loans | 936.2385% | 484 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 6,448 |
| Noncurrent loans to loans | 0.1763% | 6,036 |
| Net loans and leases to total assets | 36.7230% | 6,389 |
| Net loans and leases to deposits | 42.3061% | 6,451 |
| Net loans and leases to core deposits | 43.2503% | 6,495 |
| Total domestic deposits to total assets | 86.8032% | 2,932 |
| Equity capital to assets | 10.5325% | 3,488 |
| Core capital (leverage) ratio | 8.7137% | 5,307 |
| Tier 1 risk-based capital ratio | 14.6566% | 3,927 |
| Total risk-based capital ratio | 15.7378% | 3,990 |
| Memoranda: | ||
| Average total assets | $324,535,000 | 1,985 |
| Average earning assets | $306,219,800 | 1,934 |
| Average equity | $32,592,200 | 2,117 |
| Average total loans | $116,423,000 | 3,154 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 4,482 |
| Cost of funding earning assets | 0.9259% | 2,009 |
| Net interest margin | 3.3647% | 5,162 |
| Noninterest income to average assets | 0.4728% | 4,119 |
| Noninterest expense to average assets | 1.9452% | 6,451 |
| Loan and lease loss provision to assets | 0.0310% | 5,390 |
| Net operating income to assets | 1.2881% | 1,476 |
| Return on assets (ROA) | 1.3498% | 1,473 |
| Pretax return on assets | 1.7578% | 1,148 |
| Return on Equity (ROE) | 13.6109% | 1,195 |
| Retained earnings to average equity (ytd only) | 8.8227% | 1,295 |
| Net charge-offs to loans | 0.0140% | 5,502 |
| Credit loss provision to net charge-offs | 625.0000% | 429 |
| Earnings coverage of net charge-offs (x) | 344.8250% | 130 |
| Efficiency ratio | 53.2377% | 6,327 |
| Assets per employee ($millions) | 4.9753% | 2,218 |
| Cash dividends to net income (ytd only)* | 35.1790% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6853% | 3,194 |
| Loan loss allowance to noncurrent loans | 1,127.7778% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 6,613 |
| Noncurrent loans to loans | 0.1494% | 6,236 |
| Net loans and leases to total assets | 36.6179% | 6,515 |
| Net loans and leases to deposits | 41.7698% | 6,607 |
| Net loans and leases to core deposits | 42.7498% | 6,642 |
| Total domestic deposits to total assets | 87.6658% | 2,252 |
| Equity capital to assets | 10.6539% | 3,663 |
| Core capital (leverage) ratio | 8.6114% | 5,608 |
| Tier 1 risk-based capital ratio | 14.7119% | 4,039 |
| Total risk-based capital ratio | 15.8246% | 4,101 |
| Memoranda: | ||
| Average total assets | $322,898,500 | 2,011 |
| Average earning assets | $305,275,250 | 1,956 |
| Average equity | $32,022,500 | 2,159 |
| Average total loans | $114,622,750 | 3,222 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3382% | 4,425 |
| Cost of funding earning assets | 0.9714% | 1,925 |
| Net interest margin | 3.3668% | 5,212 |
| Noninterest income to average assets | 0.4728% | 4,110 |
| Noninterest expense to average assets | 1.9477% | 6,522 |
| Loan and lease loss provision to assets | 0.0310% | 5,280 |
| Net operating income to assets | 1.2861% | 1,475 |
| Return on assets (ROA) | 1.3386% | 1,493 |
| Pretax return on assets | 1.7432% | 1,153 |
| Return on Equity (ROE) | 13.8408% | 1,158 |
| Retained earnings to average equity (ytd only) | 8.3301% | 1,506 |
| Net charge-offs to loans | 0.0497% | 4,708 |
| Credit loss provision to net charge-offs | 178.5714% | 1,579 |
| Earnings coverage of net charge-offs (x) | 98.3214% | 435 |
| Efficiency ratio | 53.3073% | 6,387 |
| Assets per employee ($millions) | 4.8089% | 2,425 |
| Cash dividends to net income (ytd only)* | 39.8148% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 3,212 |
| Loan loss allowance to noncurrent loans | 1,462.5000% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 6,723 |
| Noncurrent loans to loans | 0.1164% | 6,369 |
| Net loans and leases to total assets | 35.6360% | 6,626 |
| Net loans and leases to deposits | 41.2365% | 6,691 |
| Net loans and leases to core deposits | 42.1784% | 6,728 |
| Total domestic deposits to total assets | 86.4186% | 3,126 |
| Equity capital to assets | 10.1646% | 4,103 |
| Core capital (leverage) ratio | 8.2837% | 5,938 |
| Tier 1 risk-based capital ratio | 14.4428% | 4,143 |
| Total risk-based capital ratio | 15.5555% | 4,198 |
| Memoranda: | ||
| Average total assets | $322,733,330 | 2,007 |
| Average earning assets | $304,922,000 | 1,951 |
| Average equity | $31,212,000 | 2,192 |
| Average total loans | $112,680,330 | 3,276 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 4,499 |
| Cost of funding earning assets | 1.0211% | 1,860 |
| Net interest margin | 3.3338% | 5,354 |
| Noninterest income to average assets | 0.4446% | 4,328 |
| Noninterest expense to average assets | 1.9777% | 6,509 |
| Loan and lease loss provision to assets | 0.0310% | 4,981 |
| Net operating income to assets | 1.2300% | 1,659 |
| Return on assets (ROA) | 1.2310% | 1,835 |
| Pretax return on assets | 1.5827% | 1,625 |
| Return on Equity (ROE) | 13.0605% | 1,388 |
| Retained earnings to average equity (ytd only) | 5.5711% | 3,222 |
| Net charge-offs to loans | 0.2061% | 2,892 |
| Credit loss provision to net charge-offs | 43.8596% | 3,381 |
| Earnings coverage of net charge-offs (x) | 22.8421% | 1,113 |
| Efficiency ratio | 55.0880% | 6,216 |
| Assets per employee ($millions) | 4.8323% | 2,462 |
| Cash dividends to net income (ytd only)* | 57.3441% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 3,203 |
| Loan loss allowance to noncurrent loans | 1,179.8780% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0519% | 6,763 |
| Noncurrent loans to loans | 0.1472% | 6,388 |
| Net loans and leases to total assets | 33.8028% | 6,755 |
| Net loans and leases to deposits | 38.1195% | 6,814 |
| Net loans and leases to core deposits | 38.9783% | 6,851 |
| Total domestic deposits to total assets | 88.6760% | 1,898 |
| Equity capital to assets | 9.5814% | 4,676 |
| Core capital (leverage) ratio | 7.9501% | 6,297 |
| Tier 1 risk-based capital ratio | 14.4793% | 4,124 |
| Total risk-based capital ratio | 15.5934% | 4,184 |
| Memoranda: | ||
| Average total assets | $323,001,500 | 2,013 |
| Average earning assets | $304,757,500 | 1,954 |
| Average equity | $30,443,000 | 2,234 |
| Average total loans | $110,617,000 | 3,340 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 3,881 |
| Cost of funding earning assets | 1.2952% | 1,504 |
| Net interest margin | 3.4898% | 5,185 |
| Noninterest income to average assets | 0.4484% | 4,227 |
| Noninterest expense to average assets | 1.8609% | 6,872 |
| Loan and lease loss provision to assets | 0.1815% | 4,378 |
| Net operating income to assets | 1.3020% | 1,247 |
| Return on assets (ROA) | 1.2300% | 1,535 |
| Pretax return on assets | 1.5873% | 1,236 |
| Return on Equity (ROE) | 15.0914% | 731 |
| Retained earnings to average equity (ytd only) | 10.0648% | 551 |
| Net charge-offs to loans | 0.0270% | 6,052 |
| Credit loss provision to net charge-offs | 1,920.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 174 |
| Efficiency ratio | 49.9788% | 6,835 |
| Assets per employee ($millions) | 5.0350% | 2,146 |
| Cash dividends to net income (ytd only)* | 33.3077% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 2,901 |
| Loan loss allowance to noncurrent loans | 1,046.2766% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 6,808 |
| Noncurrent loans to loans | 0.1711% | 6,410 |
| Net loans and leases to total assets | 33.4816% | 6,888 |
| Net loans and leases to deposits | 37.5848% | 6,960 |
| Net loans and leases to core deposits | 38.4641% | 6,989 |
| Total domestic deposits to total assets | 89.0827% | 1,487 |
| Equity capital to assets | 9.2679% | 5,190 |
| Core capital (leverage) ratio | 7.7373% | 6,509 |
| Tier 1 risk-based capital ratio | 14.7793% | 3,777 |
| Total risk-based capital ratio | 15.9592% | 3,800 |
| Memoranda: | ||
| Average total assets | $317,323,600 | 2,024 |
| Average earning assets | $297,783,800 | 1,968 |
| Average equity | $25,862,400 | 2,491 |
| Average total loans | $111,217,400 | 3,352 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 3,847 |
| Cost of funding earning assets | 1.3506% | 1,448 |
| Net interest margin | 3.4871% | 5,234 |
| Noninterest income to average assets | 0.4577% | 4,236 |
| Noninterest expense to average assets | 1.8201% | 6,966 |
| Loan and lease loss provision to assets | 0.0949% | 5,276 |
| Net operating income to assets | 1.3765% | 1,209 |
| Return on assets (ROA) | 1.3224% | 1,410 |
| Pretax return on assets | 1.7408% | 1,062 |
| Return on Equity (ROE) | 16.8126% | 588 |
| Retained earnings to average equity (ytd only) | 11.2620% | 591 |
| Net charge-offs to loans | 0.0179% | 5,902 |
| Credit loss provision to net charge-offs | 1,500.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 301.3925% | 125 |
| Efficiency ratio | 48.8343% | 6,896 |
| Assets per employee ($millions) | 5.1175% | 2,043 |
| Cash dividends to net income (ytd only)* | 33.0144% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 4,303 |
| Loan loss allowance to noncurrent loans | 721.6814% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,804 |
| Noncurrent loans to loans | 0.2020% | 6,470 |
| Net loans and leases to total assets | 33.6669% | 6,971 |
| Net loans and leases to deposits | 37.5631% | 7,048 |
| Net loans and leases to core deposits | 38.5033% | 7,075 |
| Total domestic deposits to total assets | 89.6276% | 1,078 |
| Equity capital to assets | 8.7832% | 5,996 |
| Core capital (leverage) ratio | 7.7217% | 6,620 |
| Tier 1 risk-based capital ratio | 14.5011% | 3,980 |
| Total risk-based capital ratio | 15.4775% | 4,142 |
| Memoranda: | ||
| Average total assets | $316,094,500 | 2,033 |
| Average earning assets | $296,359,250 | 1,979 |
| Average equity | $24,861,750 | 2,594 |
| Average total loans | $111,557,250 | 3,376 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9204% | 3,529 |
| Cost of funding earning assets | 1.4058% | 1,395 |
| Net interest margin | 3.5145% | 5,092 |
| Noninterest income to average assets | 0.4925% | 3,928 |
| Noninterest expense to average assets | 1.8419% | 7,027 |
| Loan and lease loss provision to assets | 0.0961% | 5,126 |
| Net operating income to assets | 1.4100% | 1,058 |
| Return on assets (ROA) | 1.3097% | 1,363 |
| Pretax return on assets | 1.7177% | 1,017 |
| Return on Equity (ROE) | 17.3599% | 520 |
| Retained earnings to average equity (ytd only) | 10.7980% | 704 |
| Net charge-offs to loans | 0.0269% | 5,446 |
| Credit loss provision to net charge-offs | 1,000.0000% | 331 |
| Earnings coverage of net charge-offs (x) | 202.5333% | 185 |
| Efficiency ratio | 48.6304% | 7,027 |
| Assets per employee ($millions) | 4.8694% | 2,303 |
| Cash dividends to net income (ytd only)* | 37.7995% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3771% | 4,693 |
| Loan loss allowance to noncurrent loans | 1,748.3146% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 6,850 |
| Noncurrent loans to loans | 0.0788% | 6,784 |
| Net loans and leases to total assets | 35.7581% | 6,975 |
| Net loans and leases to deposits | 40.2124% | 7,058 |
| Net loans and leases to core deposits | 41.2352% | 7,092 |
| Total domestic deposits to total assets | 88.9232% | 1,581 |
| Equity capital to assets | 8.2823% | 6,444 |
| Core capital (leverage) ratio | 7.4677% | 6,762 |
| Tier 1 risk-based capital ratio | 14.4385% | 3,833 |
| Total risk-based capital ratio | 15.4179% | 4,010 |
| Memoranda: | ||
| Average total assets | $312,285,000 | 2,061 |
| Average earning assets | $292,783,330 | 2,018 |
| Average equity | $23,560,000 | 2,690 |
| Average total loans | $111,443,670 | 3,423 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 3,641 |
| Cost of funding earning assets | 1.4395% | 1,435 |
| Net interest margin | 3.4509% | 5,221 |
| Noninterest income to average assets | 0.4069% | 4,656 |
| Noninterest expense to average assets | 1.8170% | 7,116 |
| Loan and lease loss provision to assets | 0.0960% | 4,812 |
| Net operating income to assets | 1.3247% | 1,216 |
| Return on assets (ROA) | 1.2233% | 1,525 |
| Pretax return on assets | 1.5892% | 1,221 |
| Return on Equity (ROE) | 17.0452% | 566 |
| Retained earnings to average equity (ytd only) | 8.0234% | 1,723 |
| Net charge-offs to loans | 0.0036% | 5,077 |
| Credit loss provision to net charge-offs | 7,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 1,420.0000% | 6 |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 4.9157% | 2,275 |
| Cash dividends to net income (ytd only)* | 52.9289% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,839 |
| Loan loss allowance to noncurrent loans | 1,132.5758% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,982 |
| Noncurrent loans to loans | 0.1204% | 6,748 |
| Net loans and leases to total assets | 34.3779% | 7,080 |
| Net loans and leases to deposits | 38.5425% | 7,152 |
| Net loans and leases to core deposits | 39.5040% | 7,179 |
| Total domestic deposits to total assets | 89.1950% | 1,649 |
| Equity capital to assets | 7.2580% | 6,993 |
| Core capital (leverage) ratio | 7.2230% | 6,908 |
| Tier 1 risk-based capital ratio | 13.9503% | 4,104 |
| Total risk-based capital ratio | 14.8841% | 4,303 |
| Memoranda: | ||
| Average total assets | $312,607,000 | 2,084 |
| Average earning assets | $292,326,000 | 2,042 |
| Average equity | $22,434,500 | 2,807 |
| Average total loans | $110,669,000 | 3,471 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 4,217 |
| Cost of funding earning assets | 1.8415% | 1,022 |
| Net interest margin | 3.2319% | 6,187 |
| Noninterest income to average assets | 0.4425% | 4,577 |
| Noninterest expense to average assets | 1.8181% | 7,246 |
| Loan and lease loss provision to assets | 0.0974% | 6,171 |
| Net operating income to assets | 1.2536% | 1,283 |
| Return on assets (ROA) | 0.9454% | 2,345 |
| Pretax return on assets | 1.1665% | 2,339 |
| Return on Equity (ROE) | 13.2575% | 1,032 |
| Retained earnings to average equity (ytd only) | 7.4983% | 1,150 |
| Net charge-offs to loans | 0.0757% | 6,045 |
| Credit loss provision to net charge-offs | 340.9091% | 753 |
| Earnings coverage of net charge-offs (x) | 57.5568% | 406 |
| Efficiency ratio | 52.5082% | 6,946 |
| Assets per employee ($millions) | 5.0920% | 2,026 |
| Cash dividends to net income (ytd only)* | 43.4409% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 5,150 |
| Loan loss allowance to noncurrent loans | 582.3770% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 6,967 |
| Noncurrent loans to loans | 0.2185% | 6,628 |
| Net loans and leases to total assets | 35.5004% | 7,180 |
| Net loans and leases to deposits | 39.6804% | 7,260 |
| Net loans and leases to core deposits | 40.8833% | 7,284 |
| Total domestic deposits to total assets | 89.4656% | 1,403 |
| Equity capital to assets | 7.0941% | 7,080 |
| Core capital (leverage) ratio | 7.0075% | 7,027 |
| Tier 1 risk-based capital ratio | 13.3402% | 4,338 |
| Total risk-based capital ratio | 14.1970% | 4,614 |
| Memoranda: | ||
| Average total assets | $308,019,600 | 2,103 |
| Average earning assets | $287,814,200 | 2,061 |
| Average equity | $21,965,000 | 2,880 |
| Average total loans | $116,305,600 | 3,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0983% | 4,320 |
| Cost of funding earning assets | 1.9113% | 996 |
| Net interest margin | 3.1869% | 6,386 |
| Noninterest income to average assets | 0.4169% | 4,820 |
| Noninterest expense to average assets | 1.8310% | 7,296 |
| Loan and lease loss provision to assets | 0.0651% | 6,414 |
| Net operating income to assets | 1.1690% | 1,677 |
| Return on assets (ROA) | 1.0827% | 2,066 |
| Pretax return on assets | 1.3872% | 1,920 |
| Return on Equity (ROE) | 15.1631% | 831 |
| Retained earnings to average equity (ytd only) | 9.0578% | 1,042 |
| Net charge-offs to loans | 0.1317% | 5,243 |
| Credit loss provision to net charge-offs | 129.3103% | 3,133 |
| Earnings coverage of net charge-offs (x) | 31.0609% | 860 |
| Efficiency ratio | 53.9494% | 6,793 |
| Assets per employee ($millions) | 5.1526% | 1,994 |
| Cash dividends to net income (ytd only)* | 40.2645% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 6,114 |
| Loan loss allowance to noncurrent loans | 136.5934% | 2,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 6,248 |
| Noncurrent loans to loans | 0.7764% | 5,659 |
| Net loans and leases to total assets | 36.2997% | 7,254 |
| Net loans and leases to deposits | 41.1637% | 7,336 |
| Net loans and leases to core deposits | 42.4999% | 7,362 |
| Total domestic deposits to total assets | 88.1836% | 1,862 |
| Equity capital to assets | 7.8181% | 6,920 |
| Core capital (leverage) ratio | 7.0803% | 7,122 |
| Tier 1 risk-based capital ratio | 12.2842% | 5,198 |
| Total risk-based capital ratio | 12.9814% | 5,673 |
| Memoranda: | ||
| Average total assets | $307,371,750 | 2,145 |
| Average earning assets | $287,124,000 | 2,094 |
| Average equity | $21,947,500 | 2,922 |
| Average total loans | $117,459,750 | 3,413 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2071% | 3,916 |
| Cost of funding earning assets | 1.9759% | 964 |
| Net interest margin | 3.2312% | 6,215 |
| Noninterest income to average assets | 0.4088% | 4,837 |
| Noninterest expense to average assets | 1.8389% | 7,347 |
| Loan and lease loss provision to assets | 0.0989% | 5,921 |
| Net operating income to assets | 1.1702% | 1,647 |
| Return on assets (ROA) | 1.0556% | 2,065 |
| Pretax return on assets | 1.3417% | 1,968 |
| Return on Equity (ROE) | 15.2928% | 801 |
| Retained earnings to average equity (ytd only) | 8.1765% | 1,384 |
| Net charge-offs to loans | 0.2076% | 4,371 |
| Credit loss provision to net charge-offs | 122.9508% | 3,288 |
| Earnings coverage of net charge-offs (x) | 19.7131% | 1,248 |
| Efficiency ratio | 53.6966% | 6,912 |
| Assets per employee ($millions) | 5.2298% | 1,892 |
| Cash dividends to net income (ytd only)* | 46.5334% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 6,013 |
| Loan loss allowance to noncurrent loans | 118.7140% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 6,005 |
| Noncurrent loans to loans | 0.9137% | 5,452 |
| Net loans and leases to total assets | 36.5574% | 7,336 |
| Net loans and leases to deposits | 41.3082% | 7,410 |
| Net loans and leases to core deposits | 42.6928% | 7,438 |
| Total domestic deposits to total assets | 88.4990% | 1,730 |
| Equity capital to assets | 7.5879% | 7,063 |
| Core capital (leverage) ratio | 6.9873% | 7,200 |
| Tier 1 risk-based capital ratio | 12.3367% | 5,007 |
| Total risk-based capital ratio | 13.0540% | 5,455 |
| Memoranda: | ||
| Average total assets | $303,341,330 | 2,182 |
| Average earning assets | $283,111,670 | 2,132 |
| Average equity | $20,938,000 | 3,051 |
| Average total loans | $117,544,000 | 3,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1962% | 4,041 |
| Cost of funding earning assets | 2.0494% | 944 |
| Net interest margin | 3.1468% | 6,465 |
| Noninterest income to average assets | 0.3857% | 5,037 |
| Noninterest expense to average assets | 1.8581% | 7,400 |
| Loan and lease loss provision to assets | 0.0998% | 5,634 |
| Net operating income to assets | 1.0923% | 1,854 |
| Return on assets (ROA) | 0.9710% | 2,362 |
| Pretax return on assets | 1.2130% | 2,319 |
| Return on Equity (ROE) | 14.8220% | 907 |
| Retained earnings to average equity (ytd only) | 4.9745% | 3,169 |
| Net charge-offs to loans | 0.1341% | 4,148 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 27.5250% | 927 |
| Efficiency ratio | 55.9247% | 6,776 |
| Assets per employee ($millions) | 4.7720% | 2,540 |
| Cash dividends to net income (ytd only)* | 66.4384% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 6,297 |
| Loan loss allowance to noncurrent loans | 70.0845% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 5,632 |
| Noncurrent loans to loans | 1.4788% | 4,523 |
| Net loans and leases to total assets | 38.8942% | 7,312 |
| Net loans and leases to deposits | 43.2273% | 7,424 |
| Net loans and leases to core deposits | 44.7390% | 7,463 |
| Total domestic deposits to total assets | 89.9760% | 997 |
| Equity capital to assets | 6.6652% | 7,491 |
| Core capital (leverage) ratio | 6.9018% | 7,305 |
| Tier 1 risk-based capital ratio | 11.6765% | 5,508 |
| Total risk-based capital ratio | 12.3785% | 5,998 |
| Memoranda: | ||
| Average total assets | $300,734,000 | 2,247 |
| Average earning assets | $280,665,000 | 2,205 |
| Average equity | $19,700,500 | 3,238 |
| Average total loans | $119,297,500 | 3,472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 4,470 |
| Cost of funding earning assets | 2.4091% | 1,274 |
| Net interest margin | 3.0352% | 6,551 |
| Noninterest income to average assets | 0.4445% | 4,846 |
| Noninterest expense to average assets | 2.0092% | 7,358 |
| Loan and lease loss provision to assets | 0.1223% | 6,417 |
| Net operating income to assets | 0.8922% | 2,204 |
| Return on assets (ROA) | 0.9710% | 1,994 |
| Pretax return on assets | 1.2544% | 1,819 |
| Return on Equity (ROE) | 14.6532% | 702 |
| Retained earnings to average equity (ytd only) | 7.2712% | 884 |
| Net charge-offs to loans | 0.1892% | 5,469 |
| Credit loss provision to net charge-offs | 163.5514% | 2,679 |
| Earnings coverage of net charge-offs (x) | 17.0421% | 1,215 |
| Efficiency ratio | 61.1897% | 6,299 |
| Assets per employee ($millions) | 4.6259% | 2,723 |
| Cash dividends to net income (ytd only)* | 50.3778% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 6,270 |
| Loan loss allowance to noncurrent loans | 154.2092% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 6,261 |
| Noncurrent loans to loans | 0.6612% | 5,921 |
| Net loans and leases to total assets | 39.6393% | 7,369 |
| Net loans and leases to deposits | 43.9307% | 7,521 |
| Net loans and leases to core deposits | 51.0095% | 7,560 |
| Total domestic deposits to total assets | 90.2314% | 862 |
| Equity capital to assets | 6.4328% | 7,576 |
| Core capital (leverage) ratio | 6.7790% | 7,374 |
| Tier 1 risk-based capital ratio | 11.3241% | 5,593 |
| Total risk-based capital ratio | 11.9944% | 6,138 |
| Memoranda: | ||
| Average total assets | $286,186,000 | 2,301 |
| Average earning assets | $267,690,000 | 2,259 |
| Average equity | $18,965,200 | 3,348 |
| Average total loans | $113,109,600 | 3,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4411% | 4,734 |
| Cost of funding earning assets | 2.4548% | 1,429 |
| Net interest margin | 2.9864% | 6,640 |
| Noninterest income to average assets | 0.4671% | 4,770 |
| Noninterest expense to average assets | 2.0203% | 7,346 |
| Loan and lease loss provision to assets | 0.1057% | 6,321 |
| Net operating income to assets | 0.8877% | 2,461 |
| Return on assets (ROA) | 0.8511% | 2,678 |
| Pretax return on assets | 1.0898% | 2,613 |
| Return on Equity (ROE) | 12.7452% | 1,161 |
| Retained earnings to average equity (ytd only) | 4.8911% | 2,559 |
| Net charge-offs to loans | 0.1658% | 5,059 |
| Credit loss provision to net charge-offs | 161.8705% | 2,915 |
| Earnings coverage of net charge-offs (x) | 19.0215% | 1,316 |
| Efficiency ratio | 61.9185% | 6,124 |
| Assets per employee ($millions) | 4.7947% | 2,404 |
| Cash dividends to net income (ytd only)* | 61.6232% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 6,269 |
| Loan loss allowance to noncurrent loans | 127.2228% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.5942% | 5,966 |
| Noncurrent loans to loans | 0.7876% | 5,725 |
| Net loans and leases to total assets | 37.9067% | 7,553 |
| Net loans and leases to deposits | 42.2584% | 7,665 |
| Net loans and leases to core deposits | 50.1344% | 7,682 |
| Total domestic deposits to total assets | 89.7021% | 889 |
| Equity capital to assets | 6.8694% | 7,655 |
| Core capital (leverage) ratio | 6.7142% | 7,578 |
| Tier 1 risk-based capital ratio | 10.8732% | 6,084 |
| Total risk-based capital ratio | 11.5104% | 6,665 |
| Memoranda: | ||
| Average total assets | $283,717,500 | 2,333 |
| Average earning assets | $265,599,250 | 2,289 |
| Average equity | $18,945,250 | 3,380 |
| Average total loans | $111,745,750 | 3,699 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5523% | 4,327 |
| Cost of funding earning assets | 2.4940% | 1,633 |
| Net interest margin | 3.0583% | 6,370 |
| Noninterest income to average assets | 0.4841% | 4,591 |
| Noninterest expense to average assets | 2.0684% | 7,336 |
| Loan and lease loss provision to assets | 0.1081% | 6,078 |
| Net operating income to assets | 0.8847% | 2,514 |
| Return on assets (ROA) | 0.9006% | 2,558 |
| Pretax return on assets | 1.1830% | 2,353 |
| Return on Equity (ROE) | 13.6287% | 1,053 |
| Retained earnings to average equity (ytd only) | 4.8082% | 2,636 |
| Net charge-offs to loans | 0.1847% | 4,414 |
| Credit loss provision to net charge-offs | 147.0588% | 3,144 |
| Earnings coverage of net charge-offs (x) | 17.2843% | 1,484 |
| Efficiency ratio | 61.9551% | 6,250 |
| Assets per employee ($millions) | 4.3471% | 3,025 |
| Cash dividends to net income (ytd only)* | 64.7200% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 6,310 |
| Loan loss allowance to noncurrent loans | 127.5313% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 6,678 |
| Noncurrent loans to loans | 0.7782% | 5,675 |
| Net loans and leases to total assets | 38.9765% | 7,596 |
| Net loans and leases to deposits | 43.3798% | 7,721 |
| Net loans and leases to core deposits | 51.3008% | 7,731 |
| Total domestic deposits to total assets | 89.8494% | 890 |
| Equity capital to assets | 6.5481% | 7,807 |
| Core capital (leverage) ratio | 6.8702% | 7,619 |
| Tier 1 risk-based capital ratio | 10.8491% | 6,035 |
| Total risk-based capital ratio | 11.4732% | 6,616 |
| Memoranda: | ||
| Average total assets | $277,602,330 | 2,397 |
| Average earning assets | $259,101,330 | 2,360 |
| Average equity | $18,343,670 | 3,500 |
| Average total loans | $110,440,670 | 3,753 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6108% | 4,291 |
| Cost of funding earning assets | 2.5068% | 1,895 |
| Net interest margin | 3.1040% | 6,185 |
| Noninterest income to average assets | 0.4792% | 4,515 |
| Noninterest expense to average assets | 1.9330% | 7,488 |
| Loan and lease loss provision to assets | 0.1099% | 5,559 |
| Net operating income to assets | 0.9764% | 2,410 |
| Return on assets (ROA) | 1.0449% | 2,278 |
| Pretax return on assets | 1.4244% | 1,898 |
| Return on Equity (ROE) | 15.7378% | 861 |
| Retained earnings to average equity (ytd only) | 4.7015% | 3,302 |
| Net charge-offs to loans | 0.3041% | 2,890 |
| Credit loss provision to net charge-offs | 90.3614% | 3,995 |
| Earnings coverage of net charge-offs (x) | 11.8434% | 1,846 |
| Efficiency ratio | 57.2980% | 6,790 |
| Assets per employee ($millions) | 4.2336% | 3,202 |
| Cash dividends to net income (ytd only)* | 70.1262% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,368 |
| Loan loss allowance to noncurrent loans | 112.6984% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.3561% | 6,447 |
| Noncurrent loans to loans | 0.8611% | 5,296 |
| Net loans and leases to total assets | 39.4913% | 7,593 |
| Net loans and leases to deposits | 43.9727% | 7,724 |
| Net loans and leases to core deposits | 50.8723% | 7,759 |
| Total domestic deposits to total assets | 89.8087% | 885 |
| Equity capital to assets | 6.5421% | 7,856 |
| Core capital (leverage) ratio | 7.1082% | 7,551 |
| Tier 1 risk-based capital ratio | 11.1730% | 5,728 |
| Total risk-based capital ratio | 11.7919% | 6,262 |
| Memoranda: | ||
| Average total assets | $272,949,000 | 2,437 |
| Average earning assets | $254,508,000 | 2,410 |
| Average equity | $18,122,000 | 3,550 |
| Average total loans | $109,187,000 | 3,808 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9815% | 5,636 |
| Cost of funding earning assets | 2.9171% | 2,191 |
| Net interest margin | 3.0644% | 6,751 |
| Noninterest income to average assets | 0.4926% | 4,660 |
| Noninterest expense to average assets | 1.8270% | 7,721 |
| Loan and lease loss provision to assets | 0.0940% | 6,186 |
| Net operating income to assets | 1.1693% | 1,878 |
| Return on assets (ROA) | 0.5629% | 4,326 |
| Pretax return on assets | 0.6881% | 4,438 |
| Return on Equity (ROE) | 8.5074% | 2,839 |
| Retained earnings to average equity (ytd only) | 1.8015% | 4,117 |
| Net charge-offs to loans | 0.1789% | 4,406 |
| Credit loss provision to net charge-offs | 131.5789% | 4,047 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 1,533 |
| Efficiency ratio | 54.5587% | 7,207 |
| Assets per employee ($millions) | 4.2970% | 2,964 |
| Cash dividends to net income (ytd only)* | 78.8243% | 1,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 6,160 |
| Loan loss allowance to noncurrent loans | 126.3840% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3265% | 6,305 |
| Noncurrent loans to loans | 0.7815% | 5,081 |
| Net loans and leases to total assets | 39.7328% | 7,684 |
| Net loans and leases to deposits | 46.0140% | 7,779 |
| Net loans and leases to core deposits | 52.9648% | 7,826 |
| Total domestic deposits to total assets | 86.3493% | 2,239 |
| Equity capital to assets | 6.7382% | 7,861 |
| Core capital (leverage) ratio | 7.0535% | 7,651 |
| Tier 1 risk-based capital ratio | 11.9453% | 4,865 |
| Total risk-based capital ratio | 12.6197% | 5,263 |
| Memoranda: | ||
| Average total assets | $265,961,000 | 2,415 |
| Average earning assets | $247,879,000 | 2,385 |
| Average equity | $17,596,400 | 3,624 |
| Average total loans | $106,180,600 | 3,788 |