Home > Texas State Bank > Performance and Condition Ratios
Texas State Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 2,718 |
| Cost of funding earning assets | 1.1202% | 3,855 |
| Net interest margin | 4.0821% | 1,139 |
| Noninterest income to average assets | 1.2600% | 415 |
| Noninterest expense to average assets | 2.8060% | 1,506 |
| Loan and lease loss provision to assets | 0.1000% | 1,293 |
| Net operating income to assets | 2.0774% | 405 |
| Return on assets (ROA) | 2.0774% | 412 |
| Pretax return on assets | 2.0774% | 603 |
| Return on Equity (ROE) | 18.4000% | 603 |
| Retained earnings to average equity (ytd only) | 15.5477% | 378 |
| Net charge-offs to loans | 0.0016% | 2,265 |
| Credit loss provision to net charge-offs | 10,700.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 2,288.0000% | 21 |
| Efficiency ratio | 56.0566% | 3,404 |
| Assets per employee ($millions) | 5.9498% | 2,973 |
| Cash dividends to net income (ytd only)* | 15.4975% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 3,550 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 60.1900% | 2,858 |
| Net loans and leases to deposits | 73.5014% | 2,596 |
| Net loans and leases to core deposits | 75.4187% | 2,993 |
| Total domestic deposits to total assets | 81.8900% | 3,331 |
| Equity capital to assets | 11.7612% | 1,327 |
| Core capital (leverage) ratio | 12.5813% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3808% | 717 |
| Memoranda: | ||
| Average total assets | $419,950,500 | 2,013 |
| Average earning assets | $383,139,500 | 2,027 |
| Average equity | $47,415,500 | 1,830 |
| Average total loans | $253,408,000 | 2,101 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9566% | 3,167 |
| Cost of funding earning assets | 1.0549% | 3,976 |
| Net interest margin | 3.9017% | 1,349 |
| Noninterest income to average assets | 1.2800% | 420 |
| Noninterest expense to average assets | 2.5449% | 2,180 |
| Loan and lease loss provision to assets | 0.0900% | 1,528 |
| Net operating income to assets | 2.2141% | 293 |
| Return on assets (ROA) | 2.2141% | 295 |
| Pretax return on assets | 2.2141% | 430 |
| Return on Equity (ROE) | 21.4700% | 319 |
| Retained earnings to average equity (ytd only) | 11.9621% | 301 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 52.2770% | 3,866 |
| Assets per employee ($millions) | 6.3196% | 2,636 |
| Cash dividends to net income (ytd only)* | 44.2780% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8755% | 3,698 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 59.4200% | 2,995 |
| Net loans and leases to deposits | 74.0319% | 2,644 |
| Net loans and leases to core deposits | 75.6895% | 3,068 |
| Total domestic deposits to total assets | 80.2600% | 3,532 |
| Equity capital to assets | 10.8280% | 1,663 |
| Core capital (leverage) ratio | 12.5094% | 1,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5224% | 615 |
| Memoranda: | ||
| Average total assets | $415,962,200 | 1,994 |
| Average earning assets | $380,682,600 | 2,012 |
| Average equity | $42,902,000 | 1,890 |
| Average total loans | $240,451,000 | 2,135 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8915% | 3,211 |
| Cost of funding earning assets | 1.0648% | 3,977 |
| Net interest margin | 3.8267% | 1,418 |
| Noninterest income to average assets | 1.2500% | 427 |
| Noninterest expense to average assets | 2.5285% | 2,161 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 2.1598% | 338 |
| Return on assets (ROA) | 2.1598% | 345 |
| Pretax return on assets | 2.1598% | 505 |
| Return on Equity (ROE) | 21.2100% | 353 |
| Retained earnings to average equity (ytd only) | 17.2142% | 163 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 52.8426% | 3,811 |
| Assets per employee ($millions) | 5.9075% | 2,941 |
| Cash dividends to net income (ytd only)* | 18.8432% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 3,772 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 58.9100% | 3,025 |
| Net loans and leases to deposits | 74.3568% | 2,654 |
| Net loans and leases to core deposits | 75.8474% | 3,073 |
| Total domestic deposits to total assets | 79.2200% | 3,581 |
| Equity capital to assets | 11.6211% | 1,418 |
| Core capital (leverage) ratio | 13.1455% | 1,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8447% | 812 |
| Memoranda: | ||
| Average total assets | $414,099,500 | 1,994 |
| Average earning assets | $379,915,250 | 2,014 |
| Average equity | $42,165,750 | 1,910 |
| Average total loans | $237,115,000 | 2,138 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6117% | 3,502 |
| Cost of funding earning assets | 1.0915% | 3,893 |
| Net interest margin | 3.5202% | 1,868 |
| Noninterest income to average assets | 1.2800% | 396 |
| Noninterest expense to average assets | 2.6078% | 1,944 |
| Loan and lease loss provision to assets | 0.1200% | 864 |
| Net operating income to assets | 1.7886% | 578 |
| Return on assets (ROA) | 1.7886% | 585 |
| Pretax return on assets | 1.7886% | 844 |
| Return on Equity (ROE) | 19.2000% | 503 |
| Retained earnings to average equity (ytd only) | 13.2155% | 580 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 57.5497% | 3,473 |
| Assets per employee ($millions) | 5.9130% | 2,913 |
| Cash dividends to net income (ytd only)* | 31.1675% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8408% | 3,858 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 57.2900% | 3,098 |
| Net loans and leases to deposits | 70.5283% | 2,845 |
| Net loans and leases to core deposits | 71.9120% | 3,224 |
| Total domestic deposits to total assets | 81.2300% | 3,329 |
| Equity capital to assets | 9.8263% | 2,117 |
| Core capital (leverage) ratio | 11.8377% | 1,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9292% | 940 |
| Memoranda: | ||
| Average total assets | $423,345,500 | 1,977 |
| Average earning assets | $388,839,500 | 1,986 |
| Average equity | $39,438,500 | 1,970 |
| Average total loans | $232,518,500 | 2,157 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 3,427 |
| Cost of funding earning assets | 0.7888% | 3,772 |
| Net interest margin | 3.5220% | 2,138 |
| Noninterest income to average assets | 1.0300% | 599 |
| Noninterest expense to average assets | 2.4201% | 2,525 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.8140% | 598 |
| Return on assets (ROA) | 1.8140% | 579 |
| Pretax return on assets | 1.8140% | 871 |
| Return on Equity (ROE) | 21.3100% | 517 |
| Retained earnings to average equity (ytd only) | 12.5439% | 569 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.5160% | 3,441 |
| Assets per employee ($millions) | 6.4514% | 2,449 |
| Cash dividends to net income (ytd only)* | 41.1479% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8111% | 3,939 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 51.8500% | 3,486 |
| Net loans and leases to deposits | 62.5640% | 3,379 |
| Net loans and leases to core deposits | 63.5463% | 3,609 |
| Total domestic deposits to total assets | 82.8700% | 2,922 |
| Equity capital to assets | 8.8412% | 2,791 |
| Core capital (leverage) ratio | 12.0158% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2864% | 756 |
| Memoranda: | ||
| Average total assets | $409,162,000 | 1,983 |
| Average earning assets | $375,634,800 | 1,989 |
| Average equity | $34,821,800 | 2,061 |
| Average total loans | $217,452,200 | 2,179 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 3,221 |
| Cost of funding earning assets | 0.7351% | 3,690 |
| Net interest margin | 3.6018% | 2,008 |
| Noninterest income to average assets | 1.0200% | 619 |
| Noninterest expense to average assets | 2.4713% | 2,315 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.8341% | 621 |
| Return on assets (ROA) | 1.8341% | 613 |
| Pretax return on assets | 1.8341% | 955 |
| Return on Equity (ROE) | 21.7800% | 583 |
| Retained earnings to average equity (ytd only) | 17.7743% | 349 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.7425% | 3,333 |
| Assets per employee ($millions) | 5.6769% | 3,043 |
| Cash dividends to net income (ytd only)* | 18.4006% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 3,859 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 55.0700% | 3,278 |
| Net loans and leases to deposits | 65.6620% | 3,154 |
| Net loans and leases to core deposits | 66.7089% | 3,390 |
| Total domestic deposits to total assets | 83.8700% | 2,814 |
| Equity capital to assets | 9.1910% | 2,296 |
| Core capital (leverage) ratio | 11.8076% | 1,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0069% | 946 |
| Memoranda: | ||
| Average total assets | $401,778,500 | 2,010 |
| Average earning assets | $369,987,250 | 2,009 |
| Average equity | $33,830,750 | 2,094 |
| Average total loans | $214,487,750 | 2,199 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 3,332 |
| Cost of funding earning assets | 0.6332% | 3,672 |
| Net interest margin | 3.5508% | 2,152 |
| Noninterest income to average assets | 0.9700% | 596 |
| Noninterest expense to average assets | 2.4500% | 2,356 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.7522% | 710 |
| Return on assets (ROA) | 1.7522% | 714 |
| Pretax return on assets | 1.7522% | 1,109 |
| Return on Equity (ROE) | 21.4300% | 587 |
| Retained earnings to average equity (ytd only) | 17.3552% | 379 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.5055% | 3,255 |
| Assets per employee ($millions) | 5.9659% | 2,736 |
| Cash dividends to net income (ytd only)* | 19.0129% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8465% | 3,911 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 53.4800% | 3,304 |
| Net loans and leases to deposits | 64.0865% | 3,185 |
| Net loans and leases to core deposits | 64.9151% | 3,397 |
| Total domestic deposits to total assets | 83.4500% | 2,949 |
| Equity capital to assets | 8.7544% | 2,692 |
| Core capital (leverage) ratio | 11.3321% | 1,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3570% | 779 |
| Memoranda: | ||
| Average total assets | $407,028,333 | 1,989 |
| Average earning assets | $375,244,333 | 1,993 |
| Average equity | $33,281,000 | 2,130 |
| Average total loans | $214,508,667 | 2,193 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0466% | 3,365 |
| Cost of funding earning assets | 0.4558% | 3,822 |
| Net interest margin | 3.5908% | 2,154 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 2.4525% | 2,363 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.7249% | 785 |
| Return on assets (ROA) | 1.7249% | 777 |
| Pretax return on assets | 1.7249% | 1,225 |
| Return on Equity (ROE) | 21.8500% | 591 |
| Retained earnings to average equity (ytd only) | 17.6654% | 545 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.4244% | 3,254 |
| Assets per employee ($millions) | 6.0121% | 2,753 |
| Cash dividends to net income (ytd only)* | 19.1417% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8496% | 3,991 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 51.3400% | 3,395 |
| Net loans and leases to deposits | 60.8405% | 3,287 |
| Net loans and leases to core deposits | 61.5142% | 3,473 |
| Total domestic deposits to total assets | 84.3800% | 3,003 |
| Equity capital to assets | 8.1157% | 3,161 |
| Core capital (leverage) ratio | 10.8167% | 1,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8926% | 1,172 |
| Memoranda: | ||
| Average total assets | $410,683,500 | 2,002 |
| Average earning assets | $379,082,000 | 2,002 |
| Average equity | $32,425,000 | 2,194 |
| Average total loans | $213,965,500 | 2,217 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3305% | 3,511 |
| Cost of funding earning assets | 0.1219% | 4,274 |
| Net interest margin | 3.2086% | 2,847 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.2372% | 2,927 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 1.5500% | 781 |
| Return on assets (ROA) | 1.5500% | 750 |
| Pretax return on assets | 1.5500% | 1,292 |
| Return on Equity (ROE) | 18.6700% | 612 |
| Retained earnings to average equity (ytd only) | 9.8593% | 1,205 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.7989% | 3,366 |
| Assets per employee ($millions) | 5.9784% | 2,785 |
| Cash dividends to net income (ytd only)* | 47.1811% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8211% | 3,986 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.0000% | 3,359 |
| Net loans and leases to deposits | 56.4887% | 3,547 |
| Net loans and leases to core deposits | 57.0334% | 3,674 |
| Total domestic deposits to total assets | 92.0500% | 627 |
| Equity capital to assets | 7.6705% | 3,275 |
| Core capital (leverage) ratio | 10.4341% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0671% | 972 |
| Memoranda: | ||
| Average total assets | $409,668,200 | 1,993 |
| Average earning assets | $379,854,600 | 1,987 |
| Average equity | $34,018,600 | 2,150 |
| Average total loans | $204,670,800 | 2,198 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1196% | 3,631 |
| Cost of funding earning assets | 0.1033% | 4,254 |
| Net interest margin | 3.0163% | 3,180 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.2170% | 2,884 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.3724% | 1,165 |
| Return on assets (ROA) | 1.3724% | 1,138 |
| Pretax return on assets | 1.3724% | 1,805 |
| Return on Equity (ROE) | 16.2200% | 935 |
| Retained earnings to average equity (ytd only) | 9.9285% | 1,363 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.4365% | 3,062 |
| Assets per employee ($millions) | 6.2972% | 2,494 |
| Cash dividends to net income (ytd only)* | 38.7929% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8066% | 4,080 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 48.8200% | 3,545 |
| Net loans and leases to deposits | 52.7565% | 3,682 |
| Net loans and leases to core deposits | 53.2435% | 3,795 |
| Total domestic deposits to total assets | 92.5400% | 705 |
| Equity capital to assets | 7.1973% | 3,407 |
| Core capital (leverage) ratio | 10.2937% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1047% | 844 |
| Memoranda: | ||
| Average total assets | $410,452,750 | 2,002 |
| Average earning assets | $380,941,000 | 1,998 |
| Average equity | $34,727,500 | 2,153 |
| Average total loans | $202,555,000 | 2,212 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9342% | 3,710 |
| Cost of funding earning assets | 0.0970% | 4,219 |
| Net interest margin | 2.8371% | 3,322 |
| Noninterest income to average assets | 0.8396% | 969 |
| Noninterest expense to average assets | 2.2379% | 2,739 |
| Loan and lease loss provision to assets | 0.0492% | 1,696 |
| Net operating income to assets | 1.1844% | 1,481 |
| Return on assets (ROA) | 1.1844% | 1,458 |
| Pretax return on assets | 1.1844% | 2,126 |
| Return on Equity (ROE) | 13.3107% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.1247% | 2,291 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0550% | 2,769 |
| Assets per employee ($millions) | 5.8602% | 2,865 |
| Cash dividends to net income (ytd only)* | 53.9867% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 4,190 |
| Loan loss allowance to noncurrent loans | 16,000.0000% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,042 |
| Noncurrent loans to loans | 0.0049% | 3,959 |
| Net loans and leases to total assets | 50.4989% | 3,322 |
| Net loans and leases to deposits | 55.3145% | 3,434 |
| Net loans and leases to core deposits | 55.9022% | 3,574 |
| Total domestic deposits to total assets | 91.2942% | 1,107 |
| Equity capital to assets | 7.9620% | 3,155 |
| Core capital (leverage) ratio | 10.0905% | 2,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2607% | 958 |
| Memoranda: | ||
| Average total assets | $406,633,333 | 2,027 |
| Average earning assets | $377,210,000 | 2,035 |
| Average equity | $36,181,333 | 2,151 |
| Average total loans | $200,851,333 | 2,228 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8407% | 3,661 |
| Cost of funding earning assets | 0.1018% | 4,110 |
| Net interest margin | 2.7389% | 3,314 |
| Noninterest income to average assets | 0.8123% | 1,014 |
| Noninterest expense to average assets | 2.2216% | 2,770 |
| Loan and lease loss provision to assets | 0.0730% | 1,131 |
| Net operating income to assets | 1.0606% | 1,649 |
| Return on assets (ROA) | 1.0606% | 1,643 |
| Pretax return on assets | 1.0606% | 2,261 |
| Return on Equity (ROE) | 11.3414% | 1,505 |
| Retained earnings to average equity (ytd only) | 7.7588% | 1,651 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8055% | 2,792 |
| Assets per employee ($millions) | 6.2948% | 2,560 |
| Cash dividends to net income (ytd only)* | 31.5886% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.8876% | 3,496 |
| Net loans and leases to deposits | 51.7601% | 3,583 |
| Net loans and leases to core deposits | 52.3057% | 3,707 |
| Total domestic deposits to total assets | 90.5864% | 1,249 |
| Equity capital to assets | 8.7170% | 2,959 |
| Core capital (leverage) ratio | 9.6794% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5743% | 817 |
| Memoranda: | ||
| Average total assets | $410,704,000 | 2,015 |
| Average earning assets | $381,320,000 | 2,023 |
| Average equity | $38,408,000 | 2,113 |
| Average total loans | $199,860,000 | 2,231 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 3,469 |
| Cost of funding earning assets | 0.1061% | 4,340 |
| Net interest margin | 3.0956% | 2,914 |
| Noninterest income to average assets | 0.8638% | 1,296 |
| Noninterest expense to average assets | 2.2928% | 2,819 |
| Loan and lease loss provision to assets | 0.0375% | 2,292 |
| Net operating income to assets | 1.3647% | 1,396 |
| Return on assets (ROA) | 1.3647% | 1,444 |
| Pretax return on assets | 1.3647% | 2,158 |
| Return on Equity (ROE) | 12.6734% | 1,579 |
| Retained earnings to average equity (ytd only) | 6.8071% | 1,997 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8409% | 2,895 |
| Assets per employee ($millions) | 5.9650% | 2,815 |
| Cash dividends to net income (ytd only)* | 46.2883% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7485% | 4,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.7667% | 3,314 |
| Net loans and leases to deposits | 55.9831% | 3,415 |
| Net loans and leases to core deposits | 56.6177% | 3,574 |
| Total domestic deposits to total assets | 88.8959% | 1,572 |
| Equity capital to assets | 10.0216% | 2,635 |
| Core capital (leverage) ratio | 9.9626% | 2,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8720% | 1,075 |
| Memoranda: | ||
| Average total assets | $373,120,800 | 2,098 |
| Average earning assets | $341,258,200 | 2,125 |
| Average equity | $40,178,600 | 2,076 |
| Average total loans | $177,839,400 | 2,400 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2239% | 3,560 |
| Cost of funding earning assets | 0.1101% | 4,420 |
| Net interest margin | 3.1138% | 3,018 |
| Noninterest income to average assets | 0.8506% | 1,381 |
| Noninterest expense to average assets | 2.2592% | 2,867 |
| Loan and lease loss provision to assets | 0.0194% | 2,615 |
| Net operating income to assets | 1.4127% | 1,504 |
| Return on assets (ROA) | 1.4127% | 1,563 |
| Pretax return on assets | 1.4127% | 2,284 |
| Return on Equity (ROE) | 12.8753% | 1,734 |
| Retained earnings to average equity (ytd only) | 9.4468% | 1,518 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0684% | 2,824 |
| Assets per employee ($millions) | 5.7759% | 2,920 |
| Cash dividends to net income (ytd only)* | 26.6289% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 4,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.4237% | 3,478 |
| Net loans and leases to deposits | 56.1774% | 3,566 |
| Net loans and leases to core deposits | 56.9072% | 3,704 |
| Total domestic deposits to total assets | 87.9778% | 1,859 |
| Equity capital to assets | 10.8417% | 2,135 |
| Core capital (leverage) ratio | 10.6404% | 1,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2092% | 780 |
| Memoranda: | ||
| Average total assets | $366,487,250 | 2,140 |
| Average earning assets | $334,326,000 | 2,184 |
| Average equity | $40,210,250 | 2,102 |
| Average total loans | $172,200,500 | 2,487 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1822% | 3,706 |
| Cost of funding earning assets | 0.1165% | 4,463 |
| Net interest margin | 3.0658% | 3,127 |
| Noninterest income to average assets | 0.7993% | 1,533 |
| Noninterest expense to average assets | 2.2590% | 2,887 |
| Loan and lease loss provision to assets | 0.0127% | 2,694 |
| Net operating income to assets | 1.3087% | 1,838 |
| Return on assets (ROA) | 1.3447% | 1,807 |
| Pretax return on assets | 1.3447% | 2,501 |
| Return on Equity (ROE) | 12.2047% | 1,979 |
| Retained earnings to average equity (ytd only) | 8.7456% | 1,804 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0928% | 2,556 |
| Assets per employee ($millions) | 5.8974% | 2,717 |
| Cash dividends to net income (ytd only)* | 28.3422% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7624% | 4,432 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.4498% | 3,683 |
| Net loans and leases to deposits | 55.0894% | 3,784 |
| Net loans and leases to core deposits | 55.8237% | 3,901 |
| Total domestic deposits to total assets | 87.9476% | 1,856 |
| Equity capital to assets | 10.7828% | 2,164 |
| Core capital (leverage) ratio | 10.3255% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7886% | 840 |
| Memoranda: | ||
| Average total assets | $361,579,000 | 2,152 |
| Average earning assets | $328,009,333 | 2,202 |
| Average equity | $39,837,000 | 2,104 |
| Average total loans | $166,326,667 | 2,541 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0868% | 3,912 |
| Cost of funding earning assets | 0.1264% | 4,487 |
| Net interest margin | 2.9604% | 3,354 |
| Noninterest income to average assets | 0.8581% | 1,436 |
| Noninterest expense to average assets | 2.2726% | 2,870 |
| Loan and lease loss provision to assets | 0.0022% | 2,720 |
| Net operating income to assets | 1.2372% | 2,018 |
| Return on assets (ROA) | 1.2372% | 2,104 |
| Pretax return on assets | 1.2372% | 2,743 |
| Return on Equity (ROE) | 11.1065% | 2,332 |
| Retained earnings to average equity (ytd only) | 7.6426% | 2,364 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7078% | 2,379 |
| Assets per employee ($millions) | 5.7494% | 2,853 |
| Cash dividends to net income (ytd only)* | 31.1877% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8393% | 4,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 43.7326% | 4,130 |
| Net loans and leases to deposits | 49.6960% | 4,177 |
| Net loans and leases to core deposits | 50.3640% | 4,283 |
| Total domestic deposits to total assets | 88.0003% | 1,843 |
| Equity capital to assets | 10.7284% | 2,055 |
| Core capital (leverage) ratio | 10.4944% | 2,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2800% | 496 |
| Memoranda: | ||
| Average total assets | $356,601,000 | 2,153 |
| Average earning assets | $319,682,500 | 2,223 |
| Average equity | $39,724,500 | 2,100 |
| Average total loans | $158,794,500 | 2,609 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2516% | 4,393 |
| Cost of funding earning assets | 0.1614% | 4,697 |
| Net interest margin | 3.0902% | 3,655 |
| Noninterest income to average assets | 1.0392% | 977 |
| Noninterest expense to average assets | 2.3567% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4772% | 860 |
| Return on assets (ROA) | 1.4772% | 932 |
| Pretax return on assets | 1.4772% | 1,417 |
| Return on Equity (ROE) | 12.5691% | 1,159 |
| Retained earnings to average equity (ytd only) | 7.5547% | 1,180 |
| Net charge-offs to loans | 0.0007% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 4,745.0000% | 18 |
| Efficiency ratio | 61.4698% | 3,226 |
| Assets per employee ($millions) | 5.2310% | 3,115 |
| Cash dividends to net income (ytd only)* | 39.8946% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.5915% | 4,219 |
| Net loans and leases to deposits | 51.2137% | 4,259 |
| Net loans and leases to core deposits | 51.8843% | 4,347 |
| Total domestic deposits to total assets | 87.0694% | 1,907 |
| Equity capital to assets | 11.5782% | 1,828 |
| Core capital (leverage) ratio | 10.4112% | 2,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8225% | 599 |
| Memoranda: | ||
| Average total assets | $321,211,200 | 2,185 |
| Average earning assets | $290,502,200 | 2,225 |
| Average equity | $37,751,400 | 2,099 |
| Average total loans | $147,782,200 | 2,678 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2203% | 4,564 |
| Cost of funding earning assets | 0.1731% | 4,747 |
| Net interest margin | 3.0472% | 3,870 |
| Noninterest income to average assets | 0.9048% | 1,207 |
| Noninterest expense to average assets | 2.3789% | 3,199 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.3109% | 1,331 |
| Return on assets (ROA) | 1.3109% | 1,422 |
| Pretax return on assets | 1.3109% | 2,008 |
| Return on Equity (ROE) | 11.1084% | 1,643 |
| Retained earnings to average equity (ytd only) | 7.4056% | 1,531 |
| Net charge-offs to loans | 0.0009% | 3,208 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 3,099.0000% | 26 |
| Efficiency ratio | 64.4732% | 2,666 |
| Assets per employee ($millions) | 5.1599% | 3,055 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 4,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 44.8252% | 4,380 |
| Net loans and leases to deposits | 51.6108% | 4,426 |
| Net loans and leases to core deposits | 52.2985% | 4,516 |
| Total domestic deposits to total assets | 86.8524% | 1,722 |
| Equity capital to assets | 11.5655% | 1,951 |
| Core capital (leverage) ratio | 10.7233% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0200% | 675 |
| Memoranda: | ||
| Average total assets | $315,203,250 | 2,197 |
| Average earning assets | $288,083,500 | 2,225 |
| Average equity | $37,196,000 | 2,111 |
| Average total loans | $145,900,500 | 2,701 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3351% | 4,611 |
| Cost of funding earning assets | 0.1936% | 4,776 |
| Net interest margin | 3.1414% | 3,805 |
| Noninterest income to average assets | 0.9402% | 1,091 |
| Noninterest expense to average assets | 2.4332% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3627% | 1,194 |
| Return on assets (ROA) | 1.3627% | 1,287 |
| Pretax return on assets | 1.3627% | 1,827 |
| Return on Equity (ROE) | 11.4628% | 1,489 |
| Retained earnings to average equity (ytd only) | 7.6839% | 1,405 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1017% | 2,808 |
| Assets per employee ($millions) | 5.2443% | 2,892 |
| Cash dividends to net income (ytd only)* | 32.9665% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8857% | 4,052 |
| Loan loss allowance to noncurrent loans | 2,617.3077% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,486 |
| Noncurrent loans to loans | 0.0338% | 4,345 |
| Net loans and leases to total assets | 45.3776% | 4,388 |
| Net loans and leases to deposits | 52.1086% | 4,443 |
| Net loans and leases to core deposits | 52.8096% | 4,533 |
| Total domestic deposits to total assets | 87.0827% | 1,582 |
| Equity capital to assets | 11.3987% | 2,043 |
| Core capital (leverage) ratio | 11.0171% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3241% | 645 |
| Memoranda: | ||
| Average total assets | $306,752,333 | 2,209 |
| Average earning assets | $278,854,000 | 2,259 |
| Average equity | $36,465,667 | 2,133 |
| Average total loans | $143,195,667 | 2,715 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6072% | 4,511 |
| Cost of funding earning assets | 0.2325% | 4,817 |
| Net interest margin | 3.3748% | 3,380 |
| Noninterest income to average assets | 1.0071% | 848 |
| Noninterest expense to average assets | 2.6205% | 2,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4259% | 931 |
| Return on assets (ROA) | 1.4259% | 1,004 |
| Pretax return on assets | 1.4259% | 1,490 |
| Return on Equity (ROE) | 11.7179% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.8382% | 1,280 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7616% | 3,111 |
| Assets per employee ($millions) | 4.8686% | 2,792 |
| Cash dividends to net income (ytd only)* | 33.1094% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0073% | 3,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 45.0034% | 4,470 |
| Net loans and leases to deposits | 52.0813% | 4,513 |
| Net loans and leases to core deposits | 52.8787% | 4,603 |
| Total domestic deposits to total assets | 86.4100% | 1,819 |
| Equity capital to assets | 12.1189% | 1,983 |
| Core capital (leverage) ratio | 11.5736% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7670% | 670 |
| Memoranda: | ||
| Average total assets | $292,311,000 | 2,252 |
| Average earning assets | $263,249,000 | 2,301 |
| Average equity | $35,569,500 | 2,170 |
| Average total loans | $137,961,500 | 2,741 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 4,211 |
| Cost of funding earning assets | 0.2128% | 4,932 |
| Net interest margin | 3.8060% | 2,485 |
| Noninterest income to average assets | 0.9973% | 976 |
| Noninterest expense to average assets | 2.7818% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6701% | 710 |
| Return on assets (ROA) | 1.6719% | 754 |
| Pretax return on assets | 1.6719% | 1,268 |
| Return on Equity (ROE) | 13.8944% | 920 |
| Retained earnings to average equity (ytd only) | 8.1918% | 914 |
| Net charge-offs to loans | 0.0036% | 3,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 920.0000% | 111 |
| Efficiency ratio | 62.4857% | 3,293 |
| Assets per employee ($millions) | 4.4252% | 3,340 |
| Cash dividends to net income (ytd only)* | 41.0423% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,667 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 48.5155% | 4,402 |
| Net loans and leases to deposits | 56.2570% | 4,448 |
| Net loans and leases to core deposits | 57.1463% | 4,550 |
| Total domestic deposits to total assets | 86.2390% | 1,962 |
| Equity capital to assets | 12.2194% | 2,000 |
| Core capital (leverage) ratio | 11.8145% | 1,886 |
| Tier 1 risk-based capital ratio | 20.0801% | 1,318 |
| Total risk-based capital ratio | 20.8824% | 1,357 |
| Memoranda: | ||
| Average total assets | $275,430,600 | 2,302 |
| Average earning assets | $249,997,000 | 2,339 |
| Average equity | $33,142,800 | 2,232 |
| Average total loans | $137,080,000 | 2,758 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0316% | 4,298 |
| Cost of funding earning assets | 0.2197% | 4,995 |
| Net interest margin | 3.8119% | 2,556 |
| Noninterest income to average assets | 0.9766% | 982 |
| Noninterest expense to average assets | 2.7745% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6844% | 771 |
| Return on assets (ROA) | 1.6868% | 808 |
| Pretax return on assets | 1.6868% | 1,375 |
| Return on Equity (ROE) | 14.0758% | 967 |
| Retained earnings to average equity (ytd only) | 9.8645% | 789 |
| Net charge-offs to loans | 0.0049% | 3,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 687.8396% | 143 |
| Efficiency ratio | 62.2242% | 3,294 |
| Assets per employee ($millions) | 4.0925% | 3,773 |
| Cash dividends to net income (ytd only)* | 29.9187% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 3,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 50.7613% | 4,383 |
| Net loans and leases to deposits | 59.2062% | 4,417 |
| Net loans and leases to core deposits | 60.0118% | 4,536 |
| Total domestic deposits to total assets | 85.7365% | 2,107 |
| Equity capital to assets | 12.6318% | 1,823 |
| Core capital (leverage) ratio | 12.5552% | 1,545 |
| Tier 1 risk-based capital ratio | 21.0890% | 1,183 |
| Total risk-based capital ratio | 21.9391% | 1,205 |
| Memoranda: | ||
| Average total assets | $272,378,250 | 2,335 |
| Average earning assets | $248,830,750 | 2,362 |
| Average equity | $32,641,500 | 2,274 |
| Average total loans | $136,122,250 | 2,792 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 4,318 |
| Cost of funding earning assets | 0.2318% | 5,006 |
| Net interest margin | 3.7982% | 2,591 |
| Noninterest income to average assets | 0.9685% | 928 |
| Noninterest expense to average assets | 2.7906% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6381% | 838 |
| Return on assets (ROA) | 1.6418% | 866 |
| Pretax return on assets | 1.6418% | 1,424 |
| Return on Equity (ROE) | 13.9539% | 990 |
| Retained earnings to average equity (ytd only) | 9.6570% | 862 |
| Net charge-offs to loans | 0.0015% | 3,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2,226.0000% | 24 |
| Efficiency ratio | 63.0110% | 3,285 |
| Assets per employee ($millions) | 4.0955% | 3,738 |
| Cash dividends to net income (ytd only)* | 30.7934% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 50.6415% | 4,436 |
| Net loans and leases to deposits | 58.9555% | 4,477 |
| Net loans and leases to core deposits | 59.7658% | 4,580 |
| Total domestic deposits to total assets | 85.8978% | 2,088 |
| Equity capital to assets | 12.4307% | 1,897 |
| Core capital (leverage) ratio | 12.2116% | 1,695 |
| Tier 1 risk-based capital ratio | 20.6139% | 1,231 |
| Total risk-based capital ratio | 21.4694% | 1,278 |
| Memoranda: | ||
| Average total assets | $271,772,000 | 2,347 |
| Average earning assets | $247,592,330 | 2,372 |
| Average equity | $31,976,670 | 2,303 |
| Average total loans | $134,647,330 | 2,819 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 4,347 |
| Cost of funding earning assets | 0.2540% | 4,971 |
| Net interest margin | 3.7549% | 2,689 |
| Noninterest income to average assets | 0.9556% | 907 |
| Noninterest expense to average assets | 2.8242% | 2,484 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5383% | 1,034 |
| Return on assets (ROA) | 1.5457% | 1,046 |
| Pretax return on assets | 1.5457% | 1,619 |
| Return on Equity (ROE) | 13.5154% | 1,077 |
| Retained earnings to average equity (ytd only) | 9.1129% | 1,285 |
| Net charge-offs to loans | 0.0030% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,048.0000% | 49 |
| Efficiency ratio | 64.7376% | 3,126 |
| Assets per employee ($millions) | 4.1574% | 3,688 |
| Cash dividends to net income (ytd only)* | 32.5736% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 3,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.2237% | 4,577 |
| Net loans and leases to deposits | 55.6015% | 4,618 |
| Net loans and leases to core deposits | 56.3452% | 4,698 |
| Total domestic deposits to total assets | 86.7309% | 1,944 |
| Equity capital to assets | 11.6353% | 2,284 |
| Core capital (leverage) ratio | 11.7445% | 1,944 |
| Tier 1 risk-based capital ratio | 21.0068% | 1,165 |
| Total risk-based capital ratio | 21.9012% | 1,198 |
| Memoranda: | ||
| Average total assets | $272,505,000 | 2,361 |
| Average earning assets | $247,247,500 | 2,401 |
| Average equity | $31,164,500 | 2,347 |
| Average total loans | $132,845,000 | 2,874 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,658 |
| Cost of funding earning assets | 0.1615% | 5,147 |
| Net interest margin | 3.5470% | 3,556 |
| Noninterest income to average assets | 0.9665% | 1,020 |
| Noninterest expense to average assets | 2.6505% | 3,178 |
| Loan and lease loss provision to assets | 0.0074% | 3,975 |
| Net operating income to assets | 1.5670% | 953 |
| Return on assets (ROA) | 1.5666% | 946 |
| Pretax return on assets | 1.5666% | 1,561 |
| Return on Equity (ROE) | 14.3278% | 971 |
| Retained earnings to average equity (ytd only) | 6.4872% | 1,932 |
| Net charge-offs to loans | 0.0148% | 3,186 |
| Credit loss provision to net charge-offs | 105.2632% | 2,419 |
| Earnings coverage of net charge-offs (x) | 224.5263% | 414 |
| Efficiency ratio | 62.7358% | 3,398 |
| Assets per employee ($millions) | 4.2284% | 3,572 |
| Cash dividends to net income (ytd only)* | 54.7232% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0348% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.2736% | 4,615 |
| Net loans and leases to deposits | 55.4816% | 4,685 |
| Net loans and leases to core deposits | 56.1695% | 4,771 |
| Total domestic deposits to total assets | 87.0084% | 1,781 |
| Equity capital to assets | 11.2346% | 2,482 |
| Core capital (leverage) ratio | 11.6201% | 2,010 |
| Tier 1 risk-based capital ratio | 20.2901% | 1,258 |
| Total risk-based capital ratio | 21.1742% | 1,293 |
| Memoranda: | ||
| Average total assets | $270,964,600 | 2,325 |
| Average earning assets | $248,912,000 | 2,347 |
| Average equity | $29,627,800 | 2,353 |
| Average total loans | $128,028,400 | 2,902 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6229% | 4,766 |
| Cost of funding earning assets | 0.1594% | 5,193 |
| Net interest margin | 3.4636% | 3,826 |
| Noninterest income to average assets | 0.9533% | 1,052 |
| Noninterest expense to average assets | 2.5717% | 3,374 |
| Loan and lease loss provision to assets | 0.0064% | 3,846 |
| Net operating income to assets | 1.5721% | 1,021 |
| Return on assets (ROA) | 1.5716% | 1,025 |
| Pretax return on assets | 1.5716% | 1,669 |
| Return on Equity (ROE) | 14.4727% | 990 |
| Retained earnings to average equity (ytd only) | 6.4821% | 2,396 |
| Net charge-offs to loans | 0.0136% | 2,937 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 246.8875% | 373 |
| Efficiency ratio | 61.9652% | 3,513 |
| Assets per employee ($millions) | 4.2030% | 3,570 |
| Cash dividends to net income (ytd only)* | 55.2113% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,329 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 46.7268% | 4,768 |
| Net loans and leases to deposits | 53.5553% | 4,837 |
| Net loans and leases to core deposits | 54.2834% | 4,903 |
| Total domestic deposits to total assets | 87.2497% | 1,620 |
| Equity capital to assets | 10.9900% | 2,677 |
| Core capital (leverage) ratio | 11.6230% | 2,071 |
| Tier 1 risk-based capital ratio | 20.3474% | 1,276 |
| Total risk-based capital ratio | 21.2475% | 1,305 |
| Memoranda: | ||
| Average total assets | $271,050,750 | 2,331 |
| Average earning assets | $250,178,250 | 2,350 |
| Average equity | $29,434,000 | 2,375 |
| Average total loans | $127,034,500 | 2,945 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5461% | 4,856 |
| Cost of funding earning assets | 0.1633% | 5,190 |
| Net interest margin | 3.3828% | 4,006 |
| Noninterest income to average assets | 0.9421% | 1,074 |
| Noninterest expense to average assets | 2.5157% | 3,590 |
| Loan and lease loss provision to assets | 0.0066% | 3,706 |
| Net operating income to assets | 1.5603% | 1,010 |
| Return on assets (ROA) | 1.5603% | 1,017 |
| Pretax return on assets | 1.5603% | 1,636 |
| Return on Equity (ROE) | 14.4260% | 978 |
| Retained earnings to average equity (ytd only) | 8.0228% | 1,623 |
| Net charge-offs to loans | 0.0142% | 2,664 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 236.5556% | 373 |
| Efficiency ratio | 61.6189% | 3,678 |
| Assets per employee ($millions) | 4.3832% | 3,300 |
| Cash dividends to net income (ytd only)* | 44.3868% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 3,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 45.2405% | 4,861 |
| Net loans and leases to deposits | 51.7022% | 4,925 |
| Net loans and leases to core deposits | 52.2744% | 4,987 |
| Total domestic deposits to total assets | 87.5021% | 1,646 |
| Equity capital to assets | 10.6887% | 2,944 |
| Core capital (leverage) ratio | 11.3452% | 2,208 |
| Tier 1 risk-based capital ratio | 20.8437% | 1,205 |
| Total risk-based capital ratio | 21.7733% | 1,221 |
| Memoranda: | ||
| Average total assets | $271,738,000 | 2,340 |
| Average earning assets | $252,277,330 | 2,342 |
| Average equity | $29,391,330 | 2,386 |
| Average total loans | $127,027,670 | 2,949 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 4,859 |
| Cost of funding earning assets | 0.1634% | 5,200 |
| Net interest margin | 3.3481% | 4,058 |
| Noninterest income to average assets | 0.9260% | 1,080 |
| Noninterest expense to average assets | 2.5407% | 3,529 |
| Loan and lease loss provision to assets | 0.0045% | 3,450 |
| Net operating income to assets | 1.4825% | 1,121 |
| Return on assets (ROA) | 1.4825% | 1,121 |
| Pretax return on assets | 1.4825% | 1,719 |
| Return on Equity (ROE) | 13.6247% | 1,105 |
| Retained earnings to average equity (ytd only) | 9.6287% | 1,277 |
| Net charge-offs to loans | 0.0126% | 2,304 |
| Credit loss provision to net charge-offs | 75.0000% | 1,788 |
| Earnings coverage of net charge-offs (x) | 250.5000% | 270 |
| Efficiency ratio | 63.0803% | 3,620 |
| Assets per employee ($millions) | 4.3032% | 3,481 |
| Cash dividends to net income (ytd only)* | 29.3293% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 3,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 45.7053% | 4,809 |
| Net loans and leases to deposits | 52.3295% | 4,870 |
| Net loans and leases to core deposits | 53.1477% | 4,944 |
| Total domestic deposits to total assets | 87.3414% | 1,985 |
| Equity capital to assets | 10.8191% | 2,754 |
| Core capital (leverage) ratio | 11.0181% | 2,417 |
| Tier 1 risk-based capital ratio | 20.2755% | 1,300 |
| Total risk-based capital ratio | 21.1933% | 1,326 |
| Memoranda: | ||
| Average total assets | $269,536,000 | 2,373 |
| Average earning assets | $249,695,500 | 2,384 |
| Average equity | $29,329,000 | 2,415 |
| Average total loans | $127,395,000 | 2,970 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 5,059 |
| Cost of funding earning assets | 0.1140% | 5,436 |
| Net interest margin | 3.2086% | 4,425 |
| Noninterest income to average assets | 0.9091% | 1,242 |
| Noninterest expense to average assets | 2.6092% | 3,415 |
| Loan and lease loss provision to assets | 0.0061% | 4,142 |
| Net operating income to assets | 1.2513% | 1,359 |
| Return on assets (ROA) | 1.2513% | 1,384 |
| Pretax return on assets | 1.2513% | 2,547 |
| Return on Equity (ROE) | 11.0806% | 1,445 |
| Retained earnings to average equity (ytd only) | 0.3843% | 4,875 |
| Net charge-offs to loans | 0.0139% | 3,615 |
| Credit loss provision to net charge-offs | 94.1176% | 2,711 |
| Earnings coverage of net charge-offs (x) | 194.2941% | 407 |
| Efficiency ratio | 67.4806% | 3,002 |
| Assets per employee ($millions) | 4.3221% | 3,449 |
| Cash dividends to net income (ytd only)* | 96.5318% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 47.8236% | 4,779 |
| Net loans and leases to deposits | 54.6556% | 4,864 |
| Net loans and leases to core deposits | 55.5788% | 4,951 |
| Total domestic deposits to total assets | 87.5000% | 1,761 |
| Equity capital to assets | 10.9442% | 2,682 |
| Core capital (leverage) ratio | 11.1379% | 2,207 |
| Tier 1 risk-based capital ratio | 20.5476% | 1,218 |
| Total risk-based capital ratio | 21.5007% | 1,238 |
| Memoranda: | ||
| Average total assets | $262,685,000 | 2,389 |
| Average earning assets | $242,129,400 | 2,409 |
| Average equity | $29,664,400 | 2,383 |
| Average total loans | $122,063,800 | 3,027 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2708% | 5,150 |
| Cost of funding earning assets | 0.1122% | 5,510 |
| Net interest margin | 3.1587% | 4,559 |
| Noninterest income to average assets | 0.9177% | 1,221 |
| Noninterest expense to average assets | 2.6282% | 3,325 |
| Loan and lease loss provision to assets | 0.0051% | 4,019 |
| Net operating income to assets | 1.2008% | 1,686 |
| Return on assets (ROA) | 1.2008% | 1,721 |
| Pretax return on assets | 1.2008% | 2,907 |
| Return on Equity (ROE) | 10.5503% | 1,881 |
| Retained earnings to average equity (ytd only) | 0.2689% | 5,154 |
| Net charge-offs to loans | 0.0133% | 3,262 |
| Credit loss provision to net charge-offs | 83.3333% | 2,533 |
| Earnings coverage of net charge-offs (x) | 196.9950% | 441 |
| Efficiency ratio | 68.5471% | 2,777 |
| Assets per employee ($millions) | 4.0875% | 3,845 |
| Cash dividends to net income (ytd only)* | 97.4511% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 3,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 45.4226% | 4,967 |
| Net loans and leases to deposits | 52.4428% | 5,030 |
| Net loans and leases to core deposits | 53.3596% | 5,088 |
| Total domestic deposits to total assets | 86.6136% | 2,040 |
| Equity capital to assets | 11.7500% | 2,155 |
| Core capital (leverage) ratio | 11.4570% | 2,050 |
| Tier 1 risk-based capital ratio | 21.8768% | 1,054 |
| Total risk-based capital ratio | 22.8942% | 1,076 |
| Memoranda: | ||
| Average total assets | $261,364,250 | 2,419 |
| Average earning assets | $241,318,500 | 2,433 |
| Average equity | $29,748,750 | 2,388 |
| Average total loans | $120,200,500 | 3,079 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2386% | 5,194 |
| Cost of funding earning assets | 0.1098% | 5,559 |
| Net interest margin | 3.1288% | 4,607 |
| Noninterest income to average assets | 0.9254% | 1,198 |
| Noninterest expense to average assets | 2.6094% | 3,404 |
| Loan and lease loss provision to assets | 0.0054% | 3,807 |
| Net operating income to assets | 1.1903% | 1,628 |
| Return on assets (ROA) | 1.1903% | 1,663 |
| Pretax return on assets | 1.1903% | 2,803 |
| Return on Equity (ROE) | 10.5714% | 1,806 |
| Retained earnings to average equity (ytd only) | -3.4264% | 5,463 |
| Net charge-offs to loans | 0.0133% | 2,990 |
| Credit loss provision to net charge-offs | 87.5000% | 2,172 |
| Earnings coverage of net charge-offs (x) | 195.2500% | 420 |
| Efficiency ratio | 68.5778% | 2,907 |
| Assets per employee ($millions) | 4.1012% | 3,785 |
| Cash dividends to net income (ytd only)* | 132.4116% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 3,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 45.6201% | 4,964 |
| Net loans and leases to deposits | 52.6079% | 5,036 |
| Net loans and leases to core deposits | 53.5403% | 5,106 |
| Total domestic deposits to total assets | 86.7173% | 2,079 |
| Equity capital to assets | 11.6045% | 2,229 |
| Core capital (leverage) ratio | 10.9451% | 2,462 |
| Tier 1 risk-based capital ratio | 21.6359% | 1,095 |
| Total risk-based capital ratio | 22.6611% | 1,108 |
| Memoranda: | ||
| Average total assets | $261,285,330 | 2,430 |
| Average earning assets | $240,477,330 | 2,443 |
| Average equity | $29,419,000 | 2,414 |
| Average total loans | $120,204,000 | 3,090 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1992% | 5,249 |
| Cost of funding earning assets | 0.1059% | 5,633 |
| Net interest margin | 3.0933% | 4,668 |
| Noninterest income to average assets | 0.8982% | 1,248 |
| Noninterest expense to average assets | 2.6033% | 3,490 |
| Loan and lease loss provision to assets | 0.0091% | 3,441 |
| Net operating income to assets | 1.1311% | 1,745 |
| Return on assets (ROA) | 1.1311% | 1,781 |
| Pretax return on assets | 1.1311% | 2,858 |
| Return on Equity (ROE) | 10.2001% | 1,875 |
| Retained earnings to average equity (ytd only) | -14.8540% | 5,667 |
| Net charge-offs to loans | 0.0232% | 2,301 |
| Credit loss provision to net charge-offs | 85.7143% | 1,715 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 508 |
| Efficiency ratio | 69.5405% | 2,963 |
| Assets per employee ($millions) | 4.3429% | 3,431 |
| Cash dividends to net income (ytd only)* | 245.6258% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1302% | 3,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 44.3498% | 5,018 |
| Net loans and leases to deposits | 50.5214% | 5,096 |
| Net loans and leases to core deposits | 51.1492% | 5,180 |
| Total domestic deposits to total assets | 87.7842% | 1,838 |
| Equity capital to assets | 10.6307% | 3,037 |
| Core capital (leverage) ratio | 10.7893% | 2,607 |
| Tier 1 risk-based capital ratio | 21.1294% | 1,206 |
| Total risk-based capital ratio | 22.1511% | 1,208 |
| Memoranda: | ||
| Average total assets | $262,741,500 | 2,443 |
| Average earning assets | $241,685,000 | 2,457 |
| Average equity | $29,137,000 | 2,436 |
| Average total loans | $120,688,500 | 3,096 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4274% | 4,929 |
| Cost of funding earning assets | 0.1001% | 5,701 |
| Net interest margin | 3.3273% | 4,065 |
| Noninterest income to average assets | 0.9463% | 1,270 |
| Noninterest expense to average assets | 2.7187% | 3,282 |
| Loan and lease loss provision to assets | 0.0786% | 2,793 |
| Net operating income to assets | 1.2036% | 1,504 |
| Return on assets (ROA) | 1.2040% | 1,580 |
| Pretax return on assets | 1.2040% | 2,655 |
| Return on Equity (ROE) | 10.1000% | 1,914 |
| Retained earnings to average equity (ytd only) | 4.9693% | 2,361 |
| Net charge-offs to loans | 0.0164% | 3,747 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 163.2000% | 398 |
| Efficiency ratio | 67.9529% | 3,238 |
| Assets per employee ($millions) | 4.1327% | 3,732 |
| Cash dividends to net income (ytd only)* | 50.7993% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,531 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 46.5335% | 4,984 |
| Net loans and leases to deposits | 53.4400% | 5,043 |
| Net loans and leases to core deposits | 54.1435% | 5,144 |
| Total domestic deposits to total assets | 87.0763% | 2,100 |
| Equity capital to assets | 11.5718% | 2,105 |
| Core capital (leverage) ratio | 11.5169% | 1,916 |
| Tier 1 risk-based capital ratio | 21.6760% | 1,120 |
| Total risk-based capital ratio | 22.6861% | 1,131 |
| Memoranda: | ||
| Average total assets | $254,565,800 | 2,469 |
| Average earning assets | $233,705,200 | 2,483 |
| Average equity | $30,346,600 | 2,327 |
| Average total loans | $121,796,800 | 3,039 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 4,936 |
| Cost of funding earning assets | 0.1001% | 5,772 |
| Net interest margin | 3.3389% | 4,064 |
| Noninterest income to average assets | 0.9133% | 1,364 |
| Noninterest expense to average assets | 2.7390% | 3,225 |
| Loan and lease loss provision to assets | 0.0792% | 2,632 |
| Net operating income to assets | 1.1746% | 1,718 |
| Return on assets (ROA) | 1.1746% | 1,828 |
| Pretax return on assets | 1.1746% | 2,942 |
| Return on Equity (ROE) | 9.7811% | 2,157 |
| Retained earnings to average equity (ytd only) | 6.5178% | 1,902 |
| Net charge-offs to loans | 0.0186% | 3,343 |
| Credit loss provision to net charge-offs | 888.2353% | 458 |
| Earnings coverage of net charge-offs (x) | 140.5642% | 492 |
| Efficiency ratio | 68.5981% | 3,122 |
| Assets per employee ($millions) | 3.9159% | 4,102 |
| Cash dividends to net income (ytd only)* | 33.3633% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 47.8129% | 4,975 |
| Net loans and leases to deposits | 55.7617% | 5,012 |
| Net loans and leases to core deposits | 56.5392% | 5,120 |
| Total domestic deposits to total assets | 85.7451% | 2,483 |
| Equity capital to assets | 12.8252% | 1,582 |
| Core capital (leverage) ratio | 11.6811% | 1,904 |
| Tier 1 risk-based capital ratio | 22.0587% | 1,131 |
| Total risk-based capital ratio | 23.0527% | 1,140 |
| Memoranda: | ||
| Average total assets | $254,150,750 | 2,481 |
| Average earning assets | $234,402,000 | 2,484 |
| Average equity | $30,520,750 | 2,331 |
| Average total loans | $122,096,750 | 3,035 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 5,021 |
| Cost of funding earning assets | 0.1008% | 5,852 |
| Net interest margin | 3.3290% | 4,124 |
| Noninterest income to average assets | 0.8978% | 1,382 |
| Noninterest expense to average assets | 2.7510% | 3,192 |
| Loan and lease loss provision to assets | 0.0772% | 2,596 |
| Net operating income to assets | 1.1324% | 1,843 |
| Return on assets (ROA) | 1.1324% | 1,958 |
| Pretax return on assets | 1.1324% | 3,077 |
| Return on Equity (ROE) | 9.6392% | 2,210 |
| Retained earnings to average equity (ytd only) | 6.3355% | 1,943 |
| Net charge-offs to loans | 0.0130% | 3,286 |
| Credit loss provision to net charge-offs | 1,237.5000% | 315 |
| Earnings coverage of net charge-offs (x) | 194.0000% | 336 |
| Efficiency ratio | 69.4608% | 3,063 |
| Assets per employee ($millions) | 4.1490% | 3,656 |
| Cash dividends to net income (ytd only)* | 34.2739% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0537% | 4,207 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 46.6154% | 5,089 |
| Net loans and leases to deposits | 53.8686% | 5,145 |
| Net loans and leases to core deposits | 54.5817% | 5,248 |
| Total domestic deposits to total assets | 86.5353% | 2,151 |
| Equity capital to assets | 12.0757% | 2,079 |
| Core capital (leverage) ratio | 11.2160% | 2,219 |
| Tier 1 risk-based capital ratio | 21.2096% | 1,238 |
| Total risk-based capital ratio | 22.1514% | 1,268 |
| Memoranda: | ||
| Average total assets | $256,634,000 | 2,478 |
| Average earning assets | $236,108,670 | 2,486 |
| Average equity | $30,147,670 | 2,358 |
| Average total loans | $123,037,330 | 3,034 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 5,053 |
| Cost of funding earning assets | 0.1057% | 5,891 |
| Net interest margin | 3.3235% | 4,133 |
| Noninterest income to average assets | 0.8941% | 1,328 |
| Noninterest expense to average assets | 2.8354% | 2,935 |
| Loan and lease loss provision to assets | 0.0780% | 2,400 |
| Net operating income to assets | 1.0237% | 2,183 |
| Return on assets (ROA) | 1.0237% | 2,299 |
| Pretax return on assets | 1.0237% | 3,391 |
| Return on Equity (ROE) | 8.8380% | 2,498 |
| Retained earnings to average equity (ytd only) | 5.4833% | 2,663 |
| Net charge-offs to loans | 0.0129% | 2,689 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 176.5000% | 342 |
| Efficiency ratio | 72.0174% | 2,800 |
| Assets per employee ($millions) | 4.1736% | 3,635 |
| Cash dividends to net income (ytd only)* | 37.9573% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 4,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 47.5244% | 5,004 |
| Net loans and leases to deposits | 54.8056% | 5,051 |
| Net loans and leases to core deposits | 55.4730% | 5,165 |
| Total domestic deposits to total assets | 86.7146% | 2,351 |
| Equity capital to assets | 11.9008% | 2,089 |
| Core capital (leverage) ratio | 10.7860% | 2,637 |
| Tier 1 risk-based capital ratio | 20.7199% | 1,357 |
| Total risk-based capital ratio | 21.6248% | 1,404 |
| Memoranda: | ||
| Average total assets | $256,333,500 | 2,490 |
| Average earning assets | $234,694,000 | 2,509 |
| Average equity | $29,690,000 | 2,391 |
| Average total loans | $123,962,000 | 3,030 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 5,055 |
| Cost of funding earning assets | 0.0946% | 5,985 |
| Net interest margin | 3.3509% | 4,106 |
| Noninterest income to average assets | 0.8556% | 1,590 |
| Noninterest expense to average assets | 2.6400% | 3,782 |
| Loan and lease loss provision to assets | 0.0743% | 2,786 |
| Net operating income to assets | 1.2015% | 1,542 |
| Return on assets (ROA) | 1.2015% | 1,615 |
| Pretax return on assets | 1.2015% | 2,654 |
| Return on Equity (ROE) | 10.7772% | 1,696 |
| Retained earnings to average equity (ytd only) | 5.3398% | 2,179 |
| Net charge-offs to loans | 0.0116% | 4,075 |
| Credit loss provision to net charge-offs | 1,364.2857% | 247 |
| Earnings coverage of net charge-offs (x) | 234.2143% | 303 |
| Efficiency ratio | 67.4185% | 3,675 |
| Assets per employee ($millions) | 3.9103% | 4,103 |
| Cash dividends to net income (ytd only)* | 50.4534% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 48.2467% | 4,997 |
| Net loans and leases to deposits | 55.2749% | 5,090 |
| Net loans and leases to core deposits | 55.8714% | 5,208 |
| Total domestic deposits to total assets | 87.2850% | 1,993 |
| Equity capital to assets | 11.2686% | 2,569 |
| Core capital (leverage) ratio | 10.8043% | 2,601 |
| Tier 1 risk-based capital ratio | 19.7352% | 1,534 |
| Total risk-based capital ratio | 20.5771% | 1,588 |
| Memoranda: | ||
| Average total assets | $257,004,200 | 2,447 |
| Average earning assets | $234,712,200 | 2,465 |
| Average equity | $28,653,000 | 2,412 |
| Average total loans | $120,658,600 | 3,040 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4427% | 5,113 |
| Cost of funding earning assets | 0.0929% | 6,079 |
| Net interest margin | 3.3498% | 4,142 |
| Noninterest income to average assets | 0.8720% | 1,542 |
| Noninterest expense to average assets | 2.6211% | 3,798 |
| Loan and lease loss provision to assets | 0.0737% | 2,696 |
| Net operating income to assets | 1.2469% | 1,499 |
| Return on assets (ROA) | 1.2469% | 1,552 |
| Pretax return on assets | 1.2469% | 2,618 |
| Return on Equity (ROE) | 11.2145% | 1,619 |
| Retained earnings to average equity (ytd only) | 7.7207% | 1,367 |
| Net charge-offs to loans | 0.0112% | 3,784 |
| Credit loss provision to net charge-offs | 1,420.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 254.3571% | 272 |
| Efficiency ratio | 66.4954% | 3,805 |
| Assets per employee ($millions) | 3.8676% | 4,139 |
| Cash dividends to net income (ytd only)* | 31.1538% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9561% | 4,955 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 47.7501% | 5,100 |
| Net loans and leases to deposits | 55.2035% | 5,177 |
| Net loans and leases to core deposits | 55.8301% | 5,316 |
| Total domestic deposits to total assets | 86.4984% | 2,282 |
| Equity capital to assets | 11.9608% | 2,136 |
| Core capital (leverage) ratio | 11.0457% | 2,439 |
| Tier 1 risk-based capital ratio | 20.8406% | 1,373 |
| Total risk-based capital ratio | 21.6921% | 1,413 |
| Memoranda: | ||
| Average total assets | $256,735,250 | 2,467 |
| Average earning assets | $235,274,750 | 2,478 |
| Average equity | $28,545,750 | 2,435 |
| Average total loans | $119,398,000 | 3,084 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 5,218 |
| Cost of funding earning assets | 0.0906% | 6,162 |
| Net interest margin | 3.3154% | 4,241 |
| Noninterest income to average assets | 0.8645% | 1,555 |
| Noninterest expense to average assets | 2.5981% | 3,913 |
| Loan and lease loss provision to assets | 0.0716% | 2,680 |
| Net operating income to assets | 1.2386% | 1,501 |
| Return on assets (ROA) | 1.2386% | 1,565 |
| Pretax return on assets | 1.2386% | 2,611 |
| Return on Equity (ROE) | 11.4145% | 1,553 |
| Retained earnings to average equity (ytd only) | 7.8816% | 1,312 |
| Net charge-offs to loans | 0.0100% | 3,558 |
| Credit loss provision to net charge-offs | 1,550.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 283.6667% | 242 |
| Efficiency ratio | 66.4763% | 3,928 |
| Assets per employee ($millions) | 4.0601% | 3,765 |
| Cash dividends to net income (ytd only)* | 30.9509% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9494% | 5,099 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 44.7020% | 5,336 |
| Net loans and leases to deposits | 51.1989% | 5,432 |
| Net loans and leases to core deposits | 51.6807% | 5,551 |
| Total domestic deposits to total assets | 87.3104% | 2,006 |
| Equity capital to assets | 11.1852% | 2,683 |
| Core capital (leverage) ratio | 10.5637% | 2,877 |
| Tier 1 risk-based capital ratio | 20.9577% | 1,373 |
| Total risk-based capital ratio | 21.7965% | 1,419 |
| Memoranda: | ||
| Average total assets | $259,805,000 | 2,455 |
| Average earning assets | $238,521,670 | 2,472 |
| Average equity | $28,192,330 | 2,469 |
| Average total loans | $119,419,000 | 3,091 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 5,024 |
| Cost of funding earning assets | 0.0867% | 6,245 |
| Net interest margin | 3.3888% | 3,888 |
| Noninterest income to average assets | 0.8403% | 1,573 |
| Noninterest expense to average assets | 2.5896% | 3,977 |
| Loan and lease loss provision to assets | 0.0718% | 2,507 |
| Net operating income to assets | 1.2849% | 1,326 |
| Return on assets (ROA) | 1.2849% | 1,410 |
| Pretax return on assets | 1.2849% | 2,344 |
| Return on Equity (ROE) | 12.0214% | 1,344 |
| Retained earnings to average equity (ytd only) | 8.4621% | 1,391 |
| Net charge-offs to loans | 0.0099% | 3,006 |
| Credit loss provision to net charge-offs | 1,566.6667% | 238 |
| Earnings coverage of net charge-offs (x) | 296.0000% | 193 |
| Efficiency ratio | 65.6214% | 4,221 |
| Assets per employee ($millions) | 4.1902% | 3,577 |
| Cash dividends to net income (ytd only)* | 29.6076% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 5,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.7567% | 5,286 |
| Net loans and leases to deposits | 50.8686% | 5,398 |
| Net loans and leases to core deposits | 51.4886% | 5,521 |
| Total domestic deposits to total assets | 87.9849% | 1,834 |
| Equity capital to assets | 10.7775% | 3,225 |
| Core capital (leverage) ratio | 10.1156% | 3,448 |
| Tier 1 risk-based capital ratio | 19.7534% | 1,679 |
| Total risk-based capital ratio | 20.5276% | 1,753 |
| Memoranda: | ||
| Average total assets | $261,815,000 | 2,457 |
| Average earning assets | $239,969,500 | 2,468 |
| Average equity | $27,983,500 | 2,504 |
| Average total loans | $121,410,000 | 3,069 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,528 |
| Cost of funding earning assets | 0.0842% | 6,365 |
| Net interest margin | 3.3179% | 4,516 |
| Noninterest income to average assets | 0.8808% | 1,566 |
| Noninterest expense to average assets | 2.6233% | 4,131 |
| Loan and lease loss provision to assets | 0.0625% | 3,266 |
| Net operating income to assets | 1.2575% | 1,413 |
| Return on assets (ROA) | 1.2575% | 1,467 |
| Pretax return on assets | 1.2575% | 2,407 |
| Return on Equity (ROE) | 11.8597% | 1,450 |
| Retained earnings to average equity (ytd only) | 5.7635% | 2,086 |
| Net charge-offs to loans | 0.0067% | 4,792 |
| Credit loss provision to net charge-offs | 1,950.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 411.7500% | 130 |
| Efficiency ratio | 66.5244% | 4,146 |
| Assets per employee ($millions) | 3.9945% | 3,970 |
| Cash dividends to net income (ytd only)* | 51.4022% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 5,737 |
| Loan loss allowance to noncurrent loans | 539.5722% | 1,006 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 5,739 |
| Noncurrent loans to loans | 0.1513% | 5,289 |
| Net loans and leases to total assets | 47.2210% | 5,229 |
| Net loans and leases to deposits | 53.4909% | 5,369 |
| Net loans and leases to core deposits | 54.1514% | 5,492 |
| Total domestic deposits to total assets | 88.2786% | 1,623 |
| Equity capital to assets | 10.5975% | 3,357 |
| Core capital (leverage) ratio | 10.0680% | 3,476 |
| Tier 1 risk-based capital ratio | 20.0746% | 1,590 |
| Total risk-based capital ratio | 20.8455% | 1,650 |
| Memoranda: | ||
| Average total assets | $249,534,800 | 2,532 |
| Average earning assets | $230,325,600 | 2,516 |
| Average equity | $26,459,400 | 2,527 |
| Average total loans | $120,101,200 | 3,039 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4194% | 5,557 |
| Cost of funding earning assets | 0.0826% | 6,452 |
| Net interest margin | 3.3369% | 4,484 |
| Noninterest income to average assets | 0.8842% | 1,576 |
| Noninterest expense to average assets | 2.6077% | 4,174 |
| Loan and lease loss provision to assets | 0.0632% | 3,094 |
| Net operating income to assets | 1.2879% | 1,402 |
| Return on assets (ROA) | 1.2879% | 1,458 |
| Pretax return on assets | 1.2879% | 2,425 |
| Return on Equity (ROE) | 12.1444% | 1,442 |
| Retained earnings to average equity (ytd only) | 8.0572% | 1,332 |
| Net charge-offs to loans | 0.0078% | 4,443 |
| Credit loss provision to net charge-offs | 1,671.4286% | 213 |
| Earnings coverage of net charge-offs (x) | 357.6902% | 198 |
| Efficiency ratio | 65.8713% | 4,228 |
| Assets per employee ($millions) | 4.2079% | 3,469 |
| Cash dividends to net income (ytd only)* | 33.6547% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7786% | 5,924 |
| Loan loss allowance to noncurrent loans | 1,832.0755% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 6,089 |
| Noncurrent loans to loans | 0.0425% | 5,843 |
| Net loans and leases to total assets | 47.4294% | 5,256 |
| Net loans and leases to deposits | 53.6831% | 5,414 |
| Net loans and leases to core deposits | 54.4382% | 5,539 |
| Total domestic deposits to total assets | 88.3506% | 1,576 |
| Equity capital to assets | 10.5175% | 3,532 |
| Core capital (leverage) ratio | 10.7276% | 2,788 |
| Tier 1 risk-based capital ratio | 19.7246% | 1,734 |
| Total risk-based capital ratio | 20.4520% | 1,827 |
| Memoranda: | ||
| Average total assets | $247,007,250 | 2,566 |
| Average earning assets | $227,594,250 | 2,560 |
| Average equity | $26,195,250 | 2,558 |
| Average total loans | $119,222,500 | 3,074 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 5,520 |
| Cost of funding earning assets | 0.0781% | 6,525 |
| Net interest margin | 3.3721% | 4,303 |
| Noninterest income to average assets | 0.8821% | 1,553 |
| Noninterest expense to average assets | 2.6727% | 3,967 |
| Loan and lease loss provision to assets | 0.0635% | 2,999 |
| Net operating income to assets | 1.2435% | 1,463 |
| Return on assets (ROA) | 1.2435% | 1,527 |
| Pretax return on assets | 1.2435% | 2,486 |
| Return on Equity (ROE) | 11.6909% | 1,523 |
| Retained earnings to average equity (ytd only) | 7.3931% | 1,570 |
| Net charge-offs to loans | 0.0051% | 4,208 |
| Credit loss provision to net charge-offs | 2,566.6667% | 143 |
| Earnings coverage of net charge-offs (x) | 528.0000% | 133 |
| Efficiency ratio | 67.1574% | 4,169 |
| Assets per employee ($millions) | 3.8875% | 4,089 |
| Cash dividends to net income (ytd only)* | 36.7618% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 6,054 |
| Loan loss allowance to noncurrent loans | 1,438.4615% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 6,138 |
| Noncurrent loans to loans | 0.0535% | 5,882 |
| Net loans and leases to total assets | 48.4590% | 5,136 |
| Net loans and leases to deposits | 54.9214% | 5,294 |
| Net loans and leases to core deposits | 55.9279% | 5,422 |
| Total domestic deposits to total assets | 88.2334% | 1,766 |
| Equity capital to assets | 10.5616% | 3,365 |
| Core capital (leverage) ratio | 10.7797% | 2,643 |
| Tier 1 risk-based capital ratio | 19.6459% | 1,772 |
| Total risk-based capital ratio | 20.3606% | 1,859 |
| Memoranda: | ||
| Average total assets | $242,380,000 | 2,615 |
| Average earning assets | $222,649,000 | 2,619 |
| Average equity | $25,780,670 | 2,586 |
| Average total loans | $117,393,670 | 3,115 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4153% | 5,613 |
| Cost of funding earning assets | 0.0784% | 6,610 |
| Net interest margin | 3.3368% | 4,389 |
| Noninterest income to average assets | 0.8697% | 1,484 |
| Noninterest expense to average assets | 2.7311% | 3,831 |
| Loan and lease loss provision to assets | 0.0636% | 2,851 |
| Net operating income to assets | 1.1339% | 1,682 |
| Return on assets (ROA) | 1.1339% | 1,749 |
| Pretax return on assets | 1.1339% | 2,754 |
| Return on Equity (ROE) | 10.6218% | 1,812 |
| Retained earnings to average equity (ytd only) | 5.8435% | 2,626 |
| Net charge-offs to loans | -0.0173% | 5,288 |
| Credit loss provision to net charge-offs | -760.0000% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5189% | 3,908 |
| Assets per employee ($millions) | 4.0472% | 3,831 |
| Cash dividends to net income (ytd only)* | 44.9853% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 6,135 |
| Loan loss allowance to noncurrent loans | 1,144.3038% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 6,196 |
| Noncurrent loans to loans | 0.0687% | 5,934 |
| Net loans and leases to total assets | 46.9807% | 5,234 |
| Net loans and leases to deposits | 52.8734% | 5,390 |
| Net loans and leases to core deposits | 53.8592% | 5,508 |
| Total domestic deposits to total assets | 88.8549% | 1,750 |
| Equity capital to assets | 10.6138% | 3,125 |
| Core capital (leverage) ratio | 10.4787% | 2,960 |
| Tier 1 risk-based capital ratio | 19.3638% | 1,868 |
| Total risk-based capital ratio | 20.0606% | 1,983 |
| Memoranda: | ||
| Average total assets | $239,171,000 | 2,652 |
| Average earning assets | $219,251,500 | 2,661 |
| Average equity | $25,532,500 | 2,594 |
| Average total loans | $115,340,500 | 3,167 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4192% | 5,802 |
| Cost of funding earning assets | 0.0865% | 6,699 |
| Net interest margin | 3.3327% | 4,542 |
| Noninterest income to average assets | 0.8624% | 1,818 |
| Noninterest expense to average assets | 2.6617% | 4,233 |
| Loan and lease loss provision to assets | 0.0366% | 4,387 |
| Net operating income to assets | 1.1696% | 1,686 |
| Return on assets (ROA) | 1.1696% | 1,742 |
| Pretax return on assets | 1.1696% | 2,692 |
| Return on Equity (ROE) | 10.7436% | 1,845 |
| Retained earnings to average equity (ytd only) | 4.8962% | 2,674 |
| Net charge-offs to loans | 0.0150% | 5,146 |
| Credit loss provision to net charge-offs | 537.5000% | 435 |
| Earnings coverage of net charge-offs (x) | 176.9375% | 259 |
| Efficiency ratio | 68.8147% | 4,048 |
| Assets per employee ($millions) | 3.9251% | 4,013 |
| Cash dividends to net income (ytd only)* | 54.4262% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 6,284 |
| Loan loss allowance to noncurrent loans | 489.2045% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 6,125 |
| Noncurrent loans to loans | 0.1521% | 5,739 |
| Net loans and leases to total assets | 48.7589% | 5,217 |
| Net loans and leases to deposits | 54.8187% | 5,400 |
| Net loans and leases to core deposits | 55.8715% | 5,545 |
| Total domestic deposits to total assets | 88.9456% | 1,665 |
| Equity capital to assets | 10.7389% | 2,887 |
| Core capital (leverage) ratio | 10.5831% | 2,799 |
| Tier 1 risk-based capital ratio | 18.7974% | 1,982 |
| Total risk-based capital ratio | 19.4513% | 2,141 |
| Memoranda: | ||
| Average total assets | $234,697,000 | 2,671 |
| Average earning assets | $211,658,800 | 2,707 |
| Average equity | $25,550,200 | 2,581 |
| Average total loans | $106,475,400 | 3,314 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3912% | 5,899 |
| Cost of funding earning assets | 0.0905% | 6,783 |
| Net interest margin | 3.3007% | 4,634 |
| Noninterest income to average assets | 0.8699% | 1,858 |
| Noninterest expense to average assets | 2.6428% | 4,234 |
| Loan and lease loss provision to assets | 0.0375% | 4,258 |
| Net operating income to assets | 1.1537% | 1,791 |
| Return on assets (ROA) | 1.1537% | 1,869 |
| Pretax return on assets | 1.1537% | 2,880 |
| Return on Equity (ROE) | 10.5613% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.6730% | 2,051 |
| Net charge-offs to loans | 0.0141% | 4,852 |
| Credit loss provision to net charge-offs | 600.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 190.4063% | 304 |
| Efficiency ratio | 68.9307% | 3,926 |
| Assets per employee ($millions) | 3.8729% | 4,087 |
| Cash dividends to net income (ytd only)* | 36.8163% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7782% | 6,322 |
| Loan loss allowance to noncurrent loans | 805.7143% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 6,332 |
| Noncurrent loans to loans | 0.0966% | 6,048 |
| Net loans and leases to total assets | 46.4227% | 5,503 |
| Net loans and leases to deposits | 52.2329% | 5,693 |
| Net loans and leases to core deposits | 53.2935% | 5,813 |
| Total domestic deposits to total assets | 88.8764% | 1,626 |
| Equity capital to assets | 10.8125% | 2,944 |
| Core capital (leverage) ratio | 10.5939% | 2,897 |
| Tier 1 risk-based capital ratio | 19.7167% | 1,809 |
| Total risk-based capital ratio | 20.3899% | 1,916 |
| Memoranda: | ||
| Average total assets | $234,494,250 | 2,692 |
| Average earning assets | $210,579,250 | 2,733 |
| Average equity | $25,615,000 | 2,605 |
| Average total loans | $104,171,250 | 3,385 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2954% | 6,094 |
| Cost of funding earning assets | 0.0923% | 6,834 |
| Net interest margin | 3.2031% | 4,935 |
| Noninterest income to average assets | 0.8580% | 1,974 |
| Noninterest expense to average assets | 2.6556% | 4,203 |
| Loan and lease loss provision to assets | 0.0332% | 4,273 |
| Net operating income to assets | 1.0604% | 2,076 |
| Return on assets (ROA) | 1.0604% | 2,192 |
| Pretax return on assets | 1.0604% | 3,258 |
| Return on Equity (ROE) | 9.6748% | 2,332 |
| Retained earnings to average equity (ytd only) | 5.8111% | 2,548 |
| Net charge-offs to loans | 0.0058% | 4,776 |
| Credit loss provision to net charge-offs | 1,300.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 428.6667% | 114 |
| Efficiency ratio | 70.8324% | 3,670 |
| Assets per employee ($millions) | 3.6756% | 4,455 |
| Cash dividends to net income (ytd only)* | 39.9358% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 6,369 |
| Loan loss allowance to noncurrent loans | 700.8475% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 6,348 |
| Noncurrent loans to loans | 0.1130% | 6,057 |
| Net loans and leases to total assets | 45.4620% | 5,592 |
| Net loans and leases to deposits | 51.2341% | 5,752 |
| Net loans and leases to core deposits | 52.3912% | 5,860 |
| Total domestic deposits to total assets | 88.7339% | 1,763 |
| Equity capital to assets | 10.9739% | 2,778 |
| Core capital (leverage) ratio | 10.4212% | 2,965 |
| Tier 1 risk-based capital ratio | 20.3691% | 1,636 |
| Total risk-based capital ratio | 21.0639% | 1,738 |
| Memoranda: | ||
| Average total assets | $235,202,000 | 2,695 |
| Average earning assets | $212,296,670 | 2,716 |
| Average equity | $25,778,330 | 2,602 |
| Average total loans | $102,655,330 | 3,421 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1872% | 6,308 |
| Cost of funding earning assets | 0.0966% | 6,910 |
| Net interest margin | 3.0906% | 5,295 |
| Noninterest income to average assets | 0.8289% | 2,003 |
| Noninterest expense to average assets | 2.6158% | 4,353 |
| Loan and lease loss provision to assets | 0.0335% | 4,027 |
| Net operating income to assets | 0.9663% | 2,366 |
| Return on assets (ROA) | 0.9663% | 2,499 |
| Pretax return on assets | 0.9663% | 3,504 |
| Return on Equity (ROE) | 8.8214% | 2,566 |
| Retained earnings to average equity (ytd only) | 5.0146% | 3,216 |
| Net charge-offs to loans | 0.0039% | 4,087 |
| Credit loss provision to net charge-offs | 2,000.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 597.0000% | 54 |
| Efficiency ratio | 72.3483% | 3,557 |
| Assets per employee ($millions) | 3.9414% | 4,078 |
| Cash dividends to net income (ytd only)* | 43.1542% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 6,475 |
| Loan loss allowance to noncurrent loans | 618.3206% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,441 |
| Noncurrent loans to loans | 0.1274% | 6,089 |
| Net loans and leases to total assets | 43.1286% | 5,746 |
| Net loans and leases to deposits | 48.6415% | 5,873 |
| Net loans and leases to core deposits | 49.6993% | 5,989 |
| Total domestic deposits to total assets | 88.6661% | 1,890 |
| Equity capital to assets | 11.0975% | 2,852 |
| Core capital (leverage) ratio | 10.1671% | 3,186 |
| Tier 1 risk-based capital ratio | 20.9355% | 1,553 |
| Total risk-based capital ratio | 21.6472% | 1,649 |
| Memoranda: | ||
| Average total assets | $238,859,500 | 2,685 |
| Average earning assets | $215,362,500 | 2,712 |
| Average equity | $26,163,500 | 2,601 |
| Average total loans | $101,768,500 | 3,468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3562% | 6,535 |
| Cost of funding earning assets | 0.1456% | 6,925 |
| Net interest margin | 3.2105% | 5,543 |
| Noninterest income to average assets | 0.9519% | 1,697 |
| Noninterest expense to average assets | 2.7557% | 4,194 |
| Loan and lease loss provision to assets | 0.0143% | 5,728 |
| Net operating income to assets | 1.0765% | 2,025 |
| Return on assets (ROA) | 1.0765% | 2,216 |
| Pretax return on assets | 1.0765% | 3,250 |
| Return on Equity (ROE) | 9.3427% | 2,467 |
| Retained earnings to average equity (ytd only) | 2.9833% | 4,131 |
| Net charge-offs to loans | 0.0147% | 5,703 |
| Credit loss provision to net charge-offs | 228.5714% | 1,080 |
| Earnings coverage of net charge-offs (x) | 173.8571% | 240 |
| Efficiency ratio | 71.6416% | 3,489 |
| Assets per employee ($millions) | 4.0887% | 3,767 |
| Cash dividends to net income (ytd only)* | 68.0683% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7852% | 6,512 |
| Loan loss allowance to noncurrent loans | 549.3056% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 6,470 |
| Noncurrent loans to loans | 0.1430% | 6,127 |
| Net loans and leases to total assets | 41.4301% | 6,055 |
| Net loans and leases to deposits | 46.6013% | 6,209 |
| Net loans and leases to core deposits | 47.6364% | 6,288 |
| Total domestic deposits to total assets | 88.9033% | 1,637 |
| Equity capital to assets | 10.8124% | 3,164 |
| Core capital (leverage) ratio | 10.5470% | 2,711 |
| Tier 1 risk-based capital ratio | 20.4206% | 1,581 |
| Total risk-based capital ratio | 21.1080% | 1,687 |
| Memoranda: | ||
| Average total assets | $223,137,000 | 2,809 |
| Average earning assets | $201,180,800 | 2,831 |
| Average equity | $25,709,800 | 2,595 |
| Average total loans | $95,247,400 | 3,636 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3767% | 6,653 |
| Cost of funding earning assets | 0.1554% | 7,027 |
| Net interest margin | 3.2213% | 5,646 |
| Noninterest income to average assets | 0.9874% | 1,539 |
| Noninterest expense to average assets | 2.8268% | 3,883 |
| Loan and lease loss provision to assets | 0.0049% | 5,746 |
| Net operating income to assets | 1.0887% | 2,135 |
| Return on assets (ROA) | 1.0887% | 2,332 |
| Pretax return on assets | 1.0887% | 3,394 |
| Return on Equity (ROE) | 9.2907% | 2,676 |
| Retained earnings to average equity (ytd only) | 4.6739% | 3,605 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1064% | 3,305 |
| Assets per employee ($millions) | 3.6005% | 4,753 |
| Cash dividends to net income (ytd only)* | 49.6920% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 6,623 |
| Loan loss allowance to noncurrent loans | 497.4522% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0715% | 6,560 |
| Noncurrent loans to loans | 0.1591% | 6,210 |
| Net loans and leases to total assets | 44.5848% | 5,921 |
| Net loans and leases to deposits | 50.9276% | 6,046 |
| Net loans and leases to core deposits | 52.2619% | 6,167 |
| Total domestic deposits to total assets | 87.5455% | 2,320 |
| Equity capital to assets | 12.0630% | 2,202 |
| Core capital (leverage) ratio | 10.9938% | 2,389 |
| Tier 1 risk-based capital ratio | 21.6997% | 1,381 |
| Total risk-based capital ratio | 22.4169% | 1,454 |
| Memoranda: | ||
| Average total assets | $218,613,000 | 2,868 |
| Average earning assets | $199,047,000 | 2,874 |
| Average equity | $25,616,500 | 2,627 |
| Average total loans | $93,875,750 | 3,698 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3487% | 6,779 |
| Cost of funding earning assets | 0.1624% | 7,090 |
| Net interest margin | 3.1864% | 5,776 |
| Noninterest income to average assets | 1.0391% | 1,354 |
| Noninterest expense to average assets | 2.8780% | 3,713 |
| Loan and lease loss provision to assets | 0.0046% | 5,590 |
| Net operating income to assets | 1.0693% | 2,166 |
| Return on assets (ROA) | 1.0693% | 2,392 |
| Pretax return on assets | 1.0693% | 3,424 |
| Return on Equity (ROE) | 9.2166% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.1779% | 3,828 |
| Net charge-offs to loans | -0.0022% | 6,094 |
| Credit loss provision to net charge-offs | -500.0000% | 6,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8263% | 3,274 |
| Assets per employee ($millions) | 3.4630% | 5,062 |
| Cash dividends to net income (ytd only)* | 54.6701% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 6,651 |
| Loan loss allowance to noncurrent loans | 458.2353% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 6,617 |
| Noncurrent loans to loans | 0.1763% | 6,234 |
| Net loans and leases to total assets | 44.5398% | 5,963 |
| Net loans and leases to deposits | 50.8205% | 6,124 |
| Net loans and leases to core deposits | 52.4808% | 6,201 |
| Total domestic deposits to total assets | 87.6414% | 2,370 |
| Equity capital to assets | 11.9920% | 2,157 |
| Core capital (leverage) ratio | 10.9330% | 2,364 |
| Tier 1 risk-based capital ratio | 21.3938% | 1,407 |
| Total risk-based capital ratio | 22.1103% | 1,480 |
| Memoranda: | ||
| Average total assets | $218,273,670 | 2,887 |
| Average earning assets | $199,537,330 | 2,874 |
| Average equity | $25,324,000 | 2,629 |
| Average total loans | $92,266,670 | 3,747 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2937% | 6,895 |
| Cost of funding earning assets | 0.1689% | 7,151 |
| Net interest margin | 3.1248% | 5,969 |
| Noninterest income to average assets | 0.8652% | 1,890 |
| Noninterest expense to average assets | 2.8175% | 3,957 |
| Loan and lease loss provision to assets | 0.0036% | 5,224 |
| Net operating income to assets | 0.9034% | 2,900 |
| Return on assets (ROA) | 0.9034% | 3,125 |
| Pretax return on assets | 0.9034% | 4,016 |
| Return on Equity (ROE) | 7.9165% | 3,323 |
| Retained earnings to average equity (ytd only) | 1.6884% | 5,386 |
| Net charge-offs to loans | -0.0133% | 6,039 |
| Credit loss provision to net charge-offs | -66.6667% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6467% | 2,832 |
| Assets per employee ($millions) | 3.5544% | 4,991 |
| Cash dividends to net income (ytd only)* | 78.6720% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8481% | 6,643 |
| Loan loss allowance to noncurrent loans | 425.1366% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 6,676 |
| Noncurrent loans to loans | 0.1995% | 6,285 |
| Net loans and leases to total assets | 41.9484% | 6,199 |
| Net loans and leases to deposits | 47.6321% | 6,312 |
| Net loans and leases to core deposits | 48.9216% | 6,402 |
| Total domestic deposits to total assets | 88.0676% | 2,270 |
| Equity capital to assets | 11.5861% | 2,362 |
| Core capital (leverage) ratio | 10.4419% | 2,821 |
| Tier 1 risk-based capital ratio | 22.1572% | 1,261 |
| Total risk-based capital ratio | 22.9121% | 1,322 |
| Memoranda: | ||
| Average total assets | $220,056,000 | 2,891 |
| Average earning assets | $201,356,000 | 2,880 |
| Average equity | $25,112,000 | 2,648 |
| Average total loans | $90,195,000 | 3,828 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 7,033 |
| Cost of funding earning assets | 0.2417% | 7,185 |
| Net interest margin | 3.1927% | 6,116 |
| Noninterest income to average assets | 0.9764% | 1,435 |
| Noninterest expense to average assets | 2.9354% | 3,822 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9720% | 2,313 |
| Return on assets (ROA) | 0.9720% | 2,450 |
| Pretax return on assets | 0.9720% | 3,343 |
| Return on Equity (ROE) | 8.2858% | 2,769 |
| Retained earnings to average equity (ytd only) | 1.7517% | 4,968 |
| Net charge-offs to loans | 0.0035% | 6,401 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 671.6667% | 43 |
| Efficiency ratio | 75.1235% | 3,044 |
| Assets per employee ($millions) | 3.6605% | 4,638 |
| Cash dividends to net income (ytd only)* | 78.8586% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 6,601 |
| Loan loss allowance to noncurrent loans | 394.3878% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0878% | 6,735 |
| Noncurrent loans to loans | 0.2211% | 6,298 |
| Net loans and leases to total assets | 39.3594% | 6,581 |
| Net loans and leases to deposits | 44.5502% | 6,696 |
| Net loans and leases to core deposits | 45.7185% | 6,748 |
| Total domestic deposits to total assets | 88.3484% | 1,942 |
| Equity capital to assets | 11.2423% | 2,745 |
| Core capital (leverage) ratio | 10.4410% | 2,802 |
| Tier 1 risk-based capital ratio | 22.1937% | 1,209 |
| Total risk-based capital ratio | 22.9484% | 1,250 |
| Memoranda: | ||
| Average total assets | $207,294,600 | 2,977 |
| Average earning assets | $190,310,800 | 2,962 |
| Average equity | $24,318,600 | 2,636 |
| Average total loans | $85,626,800 | 3,976 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 7,115 |
| Cost of funding earning assets | 0.2617% | 7,267 |
| Net interest margin | 3.1758% | 6,216 |
| Noninterest income to average assets | 1.0080% | 1,319 |
| Noninterest expense to average assets | 3.0477% | 3,363 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8893% | 2,780 |
| Return on assets (ROA) | 0.8893% | 2,937 |
| Pretax return on assets | 0.8893% | 3,811 |
| Return on Equity (ROE) | 7.4949% | 3,282 |
| Retained earnings to average equity (ytd only) | 1.4813% | 5,398 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4113% | 2,624 |
| Assets per employee ($millions) | 3.4385% | 5,148 |
| Cash dividends to net income (ytd only)* | 80.2362% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 6,627 |
| Loan loss allowance to noncurrent loans | 371.2919% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 6,818 |
| Noncurrent loans to loans | 0.2399% | 6,393 |
| Net loans and leases to total assets | 39.8531% | 6,641 |
| Net loans and leases to deposits | 45.2517% | 6,777 |
| Net loans and leases to core deposits | 45.2517% | 6,879 |
| Total domestic deposits to total assets | 88.0699% | 2,003 |
| Equity capital to assets | 11.4694% | 2,710 |
| Core capital (leverage) ratio | 10.6915% | 2,674 |
| Tier 1 risk-based capital ratio | 22.0712% | 1,275 |
| Total risk-based capital ratio | 22.8300% | 1,325 |
| Memoranda: | ||
| Average total assets | $203,295,500 | 3,039 |
| Average earning assets | $187,497,000 | 3,006 |
| Average equity | $24,122,500 | 2,660 |
| Average total loans | $84,868,750 | 4,037 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 7,196 |
| Cost of funding earning assets | 0.2848% | 7,330 |
| Net interest margin | 3.1521% | 6,282 |
| Noninterest income to average assets | 1.0309% | 1,246 |
| Noninterest expense to average assets | 3.1310% | 3,139 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8056% | 3,046 |
| Return on assets (ROA) | 0.8056% | 3,171 |
| Pretax return on assets | 0.8056% | 4,005 |
| Return on Equity (ROE) | 6.7082% | 3,586 |
| Retained earnings to average equity (ytd only) | -0.3099% | 5,911 |
| Net charge-offs to loans | -0.0190% | 6,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5350% | 2,459 |
| Assets per employee ($millions) | 3.2723% | 5,475 |
| Cash dividends to net income (ytd only)* | 104.6192% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9021% | 6,649 |
| Loan loss allowance to noncurrent loans | 353.1532% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,819 |
| Noncurrent loans to loans | 0.2555% | 6,411 |
| Net loans and leases to total assets | 43.1442% | 6,507 |
| Net loans and leases to deposits | 49.3513% | 6,647 |
| Net loans and leases to core deposits | 49.3513% | 6,792 |
| Total domestic deposits to total assets | 87.4226% | 2,507 |
| Equity capital to assets | 12.1005% | 2,027 |
| Core capital (leverage) ratio | 11.2175% | 2,098 |
| Tier 1 risk-based capital ratio | 21.8365% | 1,284 |
| Total risk-based capital ratio | 22.6053% | 1,336 |
| Memoranda: | ||
| Average total assets | $198,851,330 | 3,111 |
| Average earning assets | $183,308,670 | 3,083 |
| Average equity | $23,881,330 | 2,668 |
| Average total loans | $84,122,000 | 4,088 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3752% | 7,280 |
| Cost of funding earning assets | 0.3108% | 7,370 |
| Net interest margin | 3.0644% | 6,432 |
| Noninterest income to average assets | 1.0117% | 1,293 |
| Noninterest expense to average assets | 3.1964% | 2,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6369% | 3,823 |
| Return on assets (ROA) | 0.6369% | 3,893 |
| Pretax return on assets | 0.6369% | 4,550 |
| Return on Equity (ROE) | 5.3232% | 4,226 |
| Retained earnings to average equity (ytd only) | 1.0276% | 5,415 |
| Net charge-offs to loans | -0.0193% | 6,559 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3859% | 2,032 |
| Assets per employee ($millions) | 3.3046% | 5,469 |
| Cash dividends to net income (ytd only)* | 80.6962% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 6,576 |
| Loan loss allowance to noncurrent loans | 331.9149% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 6,876 |
| Noncurrent loans to loans | 0.2839% | 6,421 |
| Net loans and leases to total assets | 40.6800% | 6,732 |
| Net loans and leases to deposits | 46.3802% | 6,826 |
| Net loans and leases to core deposits | 46.3802% | 6,958 |
| Total domestic deposits to total assets | 87.7100% | 2,549 |
| Equity capital to assets | 11.8555% | 2,007 |
| Core capital (leverage) ratio | 11.1284% | 2,092 |
| Tier 1 risk-based capital ratio | 23.2887% | 1,051 |
| Total risk-based capital ratio | 24.1009% | 1,087 |
| Memoranda: | ||
| Average total assets | $198,471,000 | 3,134 |
| Average earning assets | $182,744,000 | 3,101 |
| Average equity | $23,745,000 | 2,667 |
| Average total loans | $82,730,500 | 4,172 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 7,222 |
| Cost of funding earning assets | 0.4943% | 7,306 |
| Net interest margin | 3.3729% | 5,729 |
| Noninterest income to average assets | 1.0782% | 1,282 |
| Noninterest expense to average assets | 3.1688% | 3,196 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9681% | 2,139 |
| Return on assets (ROA) | 0.9681% | 2,260 |
| Pretax return on assets | 0.9681% | 3,035 |
| Return on Equity (ROE) | 7.6742% | 2,824 |
| Retained earnings to average equity (ytd only) | 2.3465% | 4,235 |
| Net charge-offs to loans | -0.0146% | 7,341 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5979% | 2,949 |
| Assets per employee ($millions) | 3.2561% | 5,522 |
| Cash dividends to net income (ytd only)* | 69.4233% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 6,612 |
| Loan loss allowance to noncurrent loans | 307.9365% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 6,916 |
| Noncurrent loans to loans | 0.3048% | 6,442 |
| Net loans and leases to total assets | 41.9233% | 6,854 |
| Net loans and leases to deposits | 47.9759% | 6,952 |
| Net loans and leases to core deposits | 47.9759% | 7,069 |
| Total domestic deposits to total assets | 87.3841% | 2,621 |
| Equity capital to assets | 12.0759% | 1,868 |
| Core capital (leverage) ratio | 11.4586% | 1,853 |
| Tier 1 risk-based capital ratio | 22.1713% | 1,146 |
| Total risk-based capital ratio | 22.9427% | 1,196 |
| Memoranda: | ||
| Average total assets | $189,849,400 | 3,233 |
| Average earning assets | $172,164,000 | 3,242 |
| Average equity | $23,950,400 | 2,659 |
| Average total loans | $82,140,000 | 4,274 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 7,311 |
| Cost of funding earning assets | 0.5251% | 7,409 |
| Net interest margin | 3.4344% | 5,553 |
| Noninterest income to average assets | 1.0944% | 1,184 |
| Noninterest expense to average assets | 3.1863% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.0130% | 2,189 |
| Return on assets (ROA) | 1.0130% | 2,308 |
| Pretax return on assets | 1.0130% | 3,134 |
| Return on Equity (ROE) | 7.9421% | 2,933 |
| Retained earnings to average equity (ytd only) | 3.6938% | 3,859 |
| Net charge-offs to loans | -0.0114% | 7,283 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8760% | 2,978 |
| Assets per employee ($millions) | 3.1679% | 5,758 |
| Cash dividends to net income (ytd only)* | 53.4916% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 6,698 |
| Loan loss allowance to noncurrent loans | 293.1559% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1384% | 7,005 |
| Noncurrent loans to loans | 0.3118% | 6,570 |
| Net loans and leases to total assets | 43.9747% | 6,846 |
| Net loans and leases to deposits | 50.8332% | 6,956 |
| Net loans and leases to core deposits | 50.8332% | 7,087 |
| Total domestic deposits to total assets | 86.5078% | 2,800 |
| Equity capital to assets | 12.8935% | 1,632 |
| Core capital (leverage) ratio | 11.8869% | 1,723 |
| Tier 1 risk-based capital ratio | 22.1426% | 1,186 |
| Total risk-based capital ratio | 22.9045% | 1,242 |
| Memoranda: | ||
| Average total assets | $188,470,750 | 3,292 |
| Average earning assets | $170,387,000 | 3,320 |
| Average equity | $24,040,000 | 2,693 |
| Average total loans | $82,005,250 | 4,351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 7,366 |
| Cost of funding earning assets | 0.5403% | 7,490 |
| Net interest margin | 3.4560% | 5,423 |
| Noninterest income to average assets | 1.1057% | 1,079 |
| Noninterest expense to average assets | 3.2330% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9769% | 2,273 |
| Return on assets (ROA) | 0.9769% | 2,355 |
| Pretax return on assets | 0.9769% | 3,215 |
| Return on Equity (ROE) | 7.6870% | 3,022 |
| Retained earnings to average equity (ytd only) | 3.4165% | 3,941 |
| Net charge-offs to loans | -0.0345% | 7,384 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7947% | 2,935 |
| Assets per employee ($millions) | 3.0263% | 6,088 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 6,592 |
| Loan loss allowance to noncurrent loans | 246.2025% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 6,965 |
| Noncurrent loans to loans | 0.3866% | 6,465 |
| Net loans and leases to total assets | 43.1468% | 6,974 |
| Net loans and leases to deposits | 49.7900% | 7,080 |
| Net loans and leases to core deposits | 49.7900% | 7,221 |
| Total domestic deposits to total assets | 86.6577% | 2,726 |
| Equity capital to assets | 12.7331% | 1,676 |
| Core capital (leverage) ratio | 12.0110% | 1,635 |
| Tier 1 risk-based capital ratio | 22.7140% | 1,098 |
| Total risk-based capital ratio | 23.5118% | 1,136 |
| Memoranda: | ||
| Average total assets | $187,936,670 | 3,336 |
| Average earning assets | $168,808,670 | 3,364 |
| Average equity | $23,884,330 | 2,705 |
| Average total loans | $81,222,000 | 4,409 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 7,426 |
| Cost of funding earning assets | 0.5568% | 7,593 |
| Net interest margin | 3.4816% | 5,233 |
| Noninterest income to average assets | 1.0931% | 1,053 |
| Noninterest expense to average assets | 3.2835% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9081% | 2,513 |
| Return on assets (ROA) | 0.9081% | 2,579 |
| Pretax return on assets | 0.9081% | 3,436 |
| Return on Equity (ROE) | 7.1521% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.1521% | 2,069 |
| Net charge-offs to loans | -0.0593% | 7,392 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3359% | 2,846 |
| Assets per employee ($millions) | 2.9807% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 6,607 |
| Loan loss allowance to noncurrent loans | 238.7692% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 7,038 |
| Noncurrent loans to loans | 0.4059% | 6,481 |
| Net loans and leases to total assets | 42.9092% | 7,067 |
| Net loans and leases to deposits | 49.7085% | 7,141 |
| Net loans and leases to core deposits | 49.7085% | 7,292 |
| Total domestic deposits to total assets | 86.3217% | 2,974 |
| Equity capital to assets | 13.0630% | 1,500 |
| Core capital (leverage) ratio | 12.1764% | 1,556 |
| Tier 1 risk-based capital ratio | 23.0910% | 1,060 |
| Total risk-based capital ratio | 23.8993% | 1,099 |
| Memoranda: | ||
| Average total assets | $188,090,500 | 3,389 |
| Average earning assets | $167,393,000 | 3,437 |
| Average equity | $23,881,000 | 2,728 |
| Average total loans | $80,966,000 | 4,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6114% | 7,271 |
| Cost of funding earning assets | 0.7760% | 7,591 |
| Net interest margin | 3.8355% | 3,549 |
| Noninterest income to average assets | 1.1928% | 1,085 |
| Noninterest expense to average assets | 3.3690% | 2,781 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2201% | 1,197 |
| Return on assets (ROA) | 1.2201% | 1,248 |
| Pretax return on assets | 1.2201% | 1,903 |
| Return on Equity (ROE) | 9.2392% | 1,941 |
| Retained earnings to average equity (ytd only) | 2.6447% | 3,296 |
| Net charge-offs to loans | 0.0178% | 6,971 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 153.2143% | 192 |
| Efficiency ratio | 73.4135% | 4,018 |
| Assets per employee ($millions) | 3.0377% | 6,124 |
| Cash dividends to net income (ytd only)* | 71.3753% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 6,695 |
| Loan loss allowance to noncurrent loans | 228.0597% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 7,040 |
| Noncurrent loans to loans | 0.4092% | 6,459 |
| Net loans and leases to total assets | 42.3740% | 7,230 |
| Net loans and leases to deposits | 48.7326% | 7,328 |
| Net loans and leases to core deposits | 56.0529% | 7,402 |
| Total domestic deposits to total assets | 86.9519% | 2,540 |
| Equity capital to assets | 12.3427% | 1,826 |
| Core capital (leverage) ratio | 12.1022% | 1,622 |
| Tier 1 risk-based capital ratio | 22.4783% | 1,095 |
| Total risk-based capital ratio | 23.2681% | 1,125 |
| Memoranda: | ||
| Average total assets | $175,810,000 | 3,509 |
| Average earning assets | $155,678,400 | 3,603 |
| Average equity | $23,216,400 | 2,808 |
| Average total loans | $78,829,200 | 4,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7374% | 7,225 |
| Cost of funding earning assets | 0.8220% | 7,667 |
| Net interest margin | 3.9154% | 3,177 |
| Noninterest income to average assets | 1.2083% | 1,055 |
| Noninterest expense to average assets | 3.3232% | 2,828 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3688% | 1,087 |
| Return on assets (ROA) | 1.3688% | 1,146 |
| Pretax return on assets | 1.3688% | 1,773 |
| Return on Equity (ROE) | 10.1806% | 1,853 |
| Retained earnings to average equity (ytd only) | 5.7623% | 2,072 |
| Net charge-offs to loans | 0.0154% | 6,705 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 196.1058% | 199 |
| Efficiency ratio | 70.8264% | 4,452 |
| Assets per employee ($millions) | 2.7189% | 6,808 |
| Cash dividends to net income (ytd only)* | 43.3996% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,501 |
| Loan loss allowance to noncurrent loans | 221.6138% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 7,037 |
| Noncurrent loans to loans | 0.4321% | 6,472 |
| Net loans and leases to total assets | 45.0045% | 7,173 |
| Net loans and leases to deposits | 52.6446% | 7,276 |
| Net loans and leases to core deposits | 61.5061% | 7,344 |
| Total domestic deposits to total assets | 85.4874% | 2,974 |
| Equity capital to assets | 13.7063% | 1,412 |
| Core capital (leverage) ratio | 12.9780% | 1,384 |
| Tier 1 risk-based capital ratio | 23.8966% | 1,009 |
| Total risk-based capital ratio | 24.7270% | 1,030 |
| Memoranda: | ||
| Average total assets | $171,918,250 | 3,596 |
| Average earning assets | $152,965,000 | 3,673 |
| Average equity | $23,115,250 | 2,841 |
| Average total loans | $78,072,000 | 4,621 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8775% | 7,082 |
| Cost of funding earning assets | 0.8753% | 7,725 |
| Net interest margin | 4.0022% | 2,695 |
| Noninterest income to average assets | 1.2001% | 1,084 |
| Noninterest expense to average assets | 3.2904% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4479% | 936 |
| Return on assets (ROA) | 1.4479% | 997 |
| Pretax return on assets | 1.4479% | 1,595 |
| Return on Equity (ROE) | 10.8415% | 1,741 |
| Retained earnings to average equity (ytd only) | 6.3572% | 1,861 |
| Net charge-offs to loans | 0.1035% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 30.8250% | 983 |
| Efficiency ratio | 69.4424% | 4,891 |
| Assets per employee ($millions) | 2.5375% | 7,179 |
| Cash dividends to net income (ytd only)* | 41.3625% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9107% | 6,723 |
| Loan loss allowance to noncurrent loans | 206.1453% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 6,975 |
| Noncurrent loans to loans | 0.4418% | 6,415 |
| Net loans and leases to total assets | 47.9457% | 7,036 |
| Net loans and leases to deposits | 56.1976% | 7,154 |
| Net loans and leases to core deposits | 65.8861% | 7,219 |
| Total domestic deposits to total assets | 85.3162% | 3,101 |
| Equity capital to assets | 13.7810% | 1,392 |
| Core capital (leverage) ratio | 12.8849% | 1,468 |
| Tier 1 risk-based capital ratio | 22.4847% | 1,185 |
| Total risk-based capital ratio | 23.2441% | 1,230 |
| Memoranda: | ||
| Average total assets | $170,314,670 | 3,630 |
| Average earning assets | $150,568,670 | 3,734 |
| Average equity | $22,746,000 | 2,882 |
| Average total loans | $77,327,670 | 4,680 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9748% | 6,997 |
| Cost of funding earning assets | 0.9529% | 7,747 |
| Net interest margin | 4.0219% | 2,567 |
| Noninterest income to average assets | 1.1553% | 1,107 |
| Noninterest expense to average assets | 3.2166% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4581% | 1,021 |
| Return on assets (ROA) | 1.4581% | 1,097 |
| Pretax return on assets | 1.4581% | 1,791 |
| Return on Equity (ROE) | 11.0900% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.5725% | 2,387 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8092% | 4,815 |
| Assets per employee ($millions) | 2.8904% | 6,437 |
| Cash dividends to net income (ytd only)* | 40.7348% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,914 |
| Loan loss allowance to noncurrent loans | 208.5791% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 6,877 |
| Noncurrent loans to loans | 0.4951% | 6,190 |
| Net loans and leases to total assets | 42.9957% | 7,411 |
| Net loans and leases to deposits | 50.0305% | 7,491 |
| Net loans and leases to core deposits | 57.6282% | 7,543 |
| Total domestic deposits to total assets | 85.9389% | 2,760 |
| Equity capital to assets | 13.2244% | 1,643 |
| Core capital (leverage) ratio | 12.6868% | 1,613 |
| Tier 1 risk-based capital ratio | 23.6711% | 1,117 |
| Total risk-based capital ratio | 24.5277% | 1,134 |
| Memoranda: | ||
| Average total assets | $171,733,500 | 3,625 |
| Average earning assets | $150,276,500 | 3,748 |
| Average equity | $22,579,000 | 2,914 |
| Average total loans | $75,473,500 | 4,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5303% | 7,223 |
| Cost of funding earning assets | 1.5087% | 7,595 |
| Net interest margin | 4.0216% | 3,018 |
| Noninterest income to average assets | 1.3144% | 845 |
| Noninterest expense to average assets | 3.2496% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6046% | 831 |
| Return on assets (ROA) | 1.6046% | 793 |
| Pretax return on assets | 1.6046% | 1,372 |
| Return on Equity (ROE) | 12.2218% | 1,545 |
| Retained earnings to average equity (ytd only) | 5.0691% | 1,987 |
| Net charge-offs to loans | 0.0193% | 6,588 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 186.8571% | 250 |
| Efficiency ratio | 66.9447% | 4,917 |
| Assets per employee ($millions) | 2.9318% | 6,217 |
| Cash dividends to net income (ytd only)* | 58.5245% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 5,783 |
| Loan loss allowance to noncurrent loans | 196.4646% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 6,639 |
| Noncurrent loans to loans | 0.5238% | 5,781 |
| Net loans and leases to total assets | 44.0042% | 7,466 |
| Net loans and leases to deposits | 51.2040% | 7,572 |
| Net loans and leases to core deposits | 59.2337% | 7,615 |
| Total domestic deposits to total assets | 85.9390% | 2,427 |
| Equity capital to assets | 13.0695% | 1,756 |
| Core capital (leverage) ratio | 12.9206% | 1,569 |
| Tier 1 risk-based capital ratio | 23.4181% | 1,148 |
| Total risk-based capital ratio | 24.2804% | 1,163 |
| Memoranda: | ||
| Average total assets | $163,035,400 | 3,667 |
| Average earning assets | $143,500,400 | 3,771 |
| Average equity | $21,404,400 | 3,050 |
| Average total loans | $72,489,400 | 4,787 |