Home > The Andover Bank > Performance and Condition Ratios
The Andover Bank, Performance and Condition Ratios
| 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 | 3.8845% | 4,328 |
| Cost of funding earning assets | 1.0618% | 3,972 |
| Net interest margin | 2.8226% | 3,448 |
| Noninterest income to average assets | 0.6700% | 1,265 |
| Noninterest expense to average assets | 2.6351% | 1,921 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.6312% | 3,157 |
| Return on assets (ROA) | 0.6312% | 3,179 |
| Pretax return on assets | 0.6711% | 3,319 |
| Return on Equity (ROE) | 13.2300% | 1,311 |
| Retained earnings to average equity (ytd only) | 7.4770% | 1,275 |
| Net charge-offs to loans | 0.0064% | 2,688 |
| Credit loss provision to net charge-offs | -205.8824% | 4,392 |
| Earnings coverage of net charge-offs (x) | 220.5294% | 479 |
| Efficiency ratio | 79.8517% | 1,055 |
| Assets per employee ($millions) | 6.0819% | 2,817 |
| Cash dividends to net income (ytd only)* | 43.4673% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 4,181 |
| Loan loss allowance to noncurrent loans | 259.3548% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 2,933 |
| Noncurrent loans to loans | 0.2339% | 2,576 |
| Net loans and leases to total assets | 46.5800% | 3,792 |
| Net loans and leases to deposits | 49.1571% | 3,940 |
| Net loans and leases to core deposits | 51.1588% | 3,984 |
| Total domestic deposits to total assets | 94.7500% | 70 |
| Equity capital to assets | 4.5265% | 4,390 |
| Core capital (leverage) ratio | 9.4949% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2999% | 509 |
| Memoranda: | ||
| Average total assets | $563,847,000 | 1,618 |
| Average earning assets | $524,757,200 | 1,603 |
| Average equity | $26,909,200 | 2,526 |
| Average total loans | $266,679,600 | 1,990 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7861% | 4,376 |
| Cost of funding earning assets | 1.0238% | 4,021 |
| Net interest margin | 2.7623% | 3,506 |
| Noninterest income to average assets | 0.6800% | 1,209 |
| Noninterest expense to average assets | 2.5871% | 1,993 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 0.6326% | 3,132 |
| Return on assets (ROA) | 0.6326% | 3,158 |
| Pretax return on assets | 0.6733% | 3,330 |
| Return on Equity (ROE) | 13.0900% | 1,342 |
| Retained earnings to average equity (ytd only) | 9.2915% | 1,031 |
| Net charge-offs to loans | 0.0060% | 2,448 |
| Credit loss provision to net charge-offs | -483.3333% | 4,460 |
| Earnings coverage of net charge-offs (x) | 232.2500% | 468 |
| Efficiency ratio | 79.6851% | 1,099 |
| Assets per employee ($millions) | 6.2697% | 2,684 |
| Cash dividends to net income (ytd only)* | 28.9936% | 2,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 4,229 |
| Loan loss allowance to noncurrent loans | 266.3317% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 3,007 |
| Noncurrent loans to loans | 0.2248% | 2,639 |
| Net loans and leases to total assets | 45.2800% | 3,856 |
| Net loans and leases to deposits | 48.2590% | 3,996 |
| Net loans and leases to core deposits | 50.0945% | 4,042 |
| Total domestic deposits to total assets | 93.8300% | 40 |
| Equity capital to assets | 5.4951% | 4,407 |
| Core capital (leverage) ratio | 9.6134% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8984% | 432 |
| Memoranda: | ||
| Average total assets | $563,403,500 | 1,614 |
| Average earning assets | $524,430,000 | 1,608 |
| Average equity | $27,235,750 | 2,506 |
| Average total loans | $267,087,000 | 1,977 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7183% | 4,401 |
| Cost of funding earning assets | 0.9746% | 4,052 |
| Net interest margin | 2.7437% | 3,511 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.5921% | 1,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6038% | 3,171 |
| Return on assets (ROA) | 0.6038% | 3,205 |
| Pretax return on assets | 0.6329% | 3,375 |
| Return on Equity (ROE) | 13.1200% | 1,339 |
| Retained earnings to average equity (ytd only) | 7.0687% | 1,634 |
| Net charge-offs to loans | 0.0037% | 2,339 |
| Credit loss provision to net charge-offs | -160.0000% | 4,449 |
| Earnings coverage of net charge-offs (x) | 350.8000% | 339 |
| Efficiency ratio | 80.4481% | 1,089 |
| Assets per employee ($millions) | 5.9332% | 2,858 |
| Cash dividends to net income (ytd only)* | 46.1035% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 4,221 |
| Loan loss allowance to noncurrent loans | 257.3438% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1148% | 2,890 |
| Noncurrent loans to loans | 0.2388% | 2,523 |
| Net loans and leases to total assets | 47.7500% | 3,757 |
| Net loans and leases to deposits | 50.2712% | 3,951 |
| Net loans and leases to core deposits | 52.5679% | 3,993 |
| Total domestic deposits to total assets | 94.9800% | 45 |
| Equity capital to assets | 4.3640% | 4,435 |
| Core capital (leverage) ratio | 9.7534% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1019% | 459 |
| Memoranda: | ||
| Average total assets | $556,844,667 | 1,628 |
| Average earning assets | $517,765,000 | 1,626 |
| Average equity | $25,634,000 | 2,562 |
| Average total loans | $267,574,333 | 1,977 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 4,433 |
| Cost of funding earning assets | 0.9097% | 4,093 |
| Net interest margin | 2.7322% | 3,501 |
| Noninterest income to average assets | 0.6600% | 1,157 |
| Noninterest expense to average assets | 2.5650% | 2,068 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.6003% | 3,146 |
| Return on assets (ROA) | 0.6003% | 3,171 |
| Pretax return on assets | 0.6247% | 3,341 |
| Return on Equity (ROE) | 12.7100% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.7086% | 636 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 80.2158% | 1,193 |
| Assets per employee ($millions) | 5.7713% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6267% | 4,203 |
| Loan loss allowance to noncurrent loans | 498.8060% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 3,252 |
| Noncurrent loans to loans | 0.1256% | 2,985 |
| Net loans and leases to total assets | 47.8200% | 3,716 |
| Net loans and leases to deposits | 50.8536% | 3,891 |
| Net loans and leases to core deposits | 52.6127% | 4,016 |
| Total domestic deposits to total assets | 94.0400% | 116 |
| Equity capital to assets | 4.5944% | 4,423 |
| Core capital (leverage) ratio | 9.9424% | 2,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1627% | 480 |
| Memoranda: | ||
| Average total assets | $556,407,000 | 1,631 |
| Average earning assets | $517,524,500 | 1,640 |
| Average equity | $26,281,500 | 2,532 |
| Average total loans | $267,384,000 | 1,976 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 4,404 |
| Cost of funding earning assets | 0.6182% | 4,042 |
| Net interest margin | 2.8470% | 3,575 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.5464% | 2,164 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.7357% | 3,093 |
| Return on assets (ROA) | 0.7479% | 3,035 |
| Pretax return on assets | 0.7929% | 3,228 |
| Return on Equity (ROE) | 19.6300% | 649 |
| Retained earnings to average equity (ytd only) | 12.2802% | 608 |
| Net charge-offs to loans | 0.0033% | 2,649 |
| Credit loss provision to net charge-offs | -522.2222% | 4,540 |
| Earnings coverage of net charge-offs (x) | 480.7778% | 300 |
| Efficiency ratio | 76.5006% | 1,209 |
| Assets per employee ($millions) | 5.7605% | 3,013 |
| Cash dividends to net income (ytd only)* | 37.4493% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 4,221 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.0297% | 3,470 |
| Noncurrent loans to loans | 0.0619% | 3,270 |
| Net loans and leases to total assets | 47.6900% | 3,741 |
| Net loans and leases to deposits | 50.4406% | 3,938 |
| Net loans and leases to core deposits | 52.2275% | 4,028 |
| Total domestic deposits to total assets | 94.5500% | 78 |
| Equity capital to assets | 4.8514% | 4,432 |
| Core capital (leverage) ratio | 9.7618% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7936% | 492 |
| Memoranda: | ||
| Average total assets | $560,867,600 | 1,581 |
| Average earning assets | $521,494,400 | 1,571 |
| Average equity | $21,367,800 | 2,746 |
| Average total loans | $274,233,200 | 1,900 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4152% | 4,412 |
| Cost of funding earning assets | 0.5624% | 4,040 |
| Net interest margin | 2.8528% | 3,634 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.5289% | 2,137 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.7534% | 3,157 |
| Return on assets (ROA) | 0.7697% | 3,105 |
| Pretax return on assets | 0.8167% | 3,296 |
| Return on Equity (ROE) | 21.8400% | 579 |
| Retained earnings to average equity (ytd only) | 16.5268% | 425 |
| Net charge-offs to loans | 0.0044% | 2,327 |
| Credit loss provision to net charge-offs | -400.0000% | 4,562 |
| Earnings coverage of net charge-offs (x) | 369.8889% | 388 |
| Efficiency ratio | 75.8480% | 1,187 |
| Assets per employee ($millions) | 5.8554% | 2,883 |
| Cash dividends to net income (ytd only)* | 24.3210% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,145 |
| Loan loss allowance to noncurrent loans | 1,451.5152% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 3,576 |
| Noncurrent loans to loans | 0.0479% | 3,413 |
| Net loans and leases to total assets | 49.7000% | 3,636 |
| Net loans and leases to deposits | 51.0697% | 3,898 |
| Net loans and leases to core deposits | 52.6691% | 3,972 |
| Total domestic deposits to total assets | 97.3200% | 47 |
| Equity capital to assets | 2.2947% | 4,530 |
| Core capital (leverage) ratio | 9.5019% | 3,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5300% | 514 |
| Memoranda: | ||
| Average total assets | $561,241,250 | 1,579 |
| Average earning assets | $521,573,500 | 1,569 |
| Average equity | $19,781,500 | 2,868 |
| Average total loans | $275,754,000 | 1,893 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3252% | 4,450 |
| Cost of funding earning assets | 0.4952% | 3,991 |
| Net interest margin | 2.8300% | 3,778 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.5061% | 2,188 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.7451% | 3,231 |
| Return on assets (ROA) | 0.7694% | 3,179 |
| Pretax return on assets | 0.8183% | 3,363 |
| Return on Equity (ROE) | 19.6100% | 753 |
| Retained earnings to average equity (ytd only) | 12.4970% | 888 |
| Net charge-offs to loans | 0.0080% | 1,920 |
| Credit loss provision to net charge-offs | -327.2727% | 4,584 |
| Earnings coverage of net charge-offs (x) | 200.1818% | 609 |
| Efficiency ratio | 75.7759% | 1,189 |
| Assets per employee ($millions) | 6.0117% | 2,700 |
| Cash dividends to net income (ytd only)* | 36.2632% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,188 |
| Loan loss allowance to noncurrent loans | 588.9231% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 3,117 |
| Noncurrent loans to loans | 0.1181% | 2,887 |
| Net loans and leases to total assets | 48.8800% | 3,636 |
| Net loans and leases to deposits | 51.6048% | 3,854 |
| Net loans and leases to core deposits | 53.1996% | 3,919 |
| Total domestic deposits to total assets | 94.7100% | 110 |
| Equity capital to assets | 3.8855% | 4,513 |
| Core capital (leverage) ratio | 9.3885% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4745% | 524 |
| Memoranda: | ||
| Average total assets | $564,852,000 | 1,570 |
| Average earning assets | $525,865,000 | 1,564 |
| Average equity | $22,165,333 | 2,680 |
| Average total loans | $275,848,000 | 1,886 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2271% | 4,474 |
| Cost of funding earning assets | 0.4302% | 3,881 |
| Net interest margin | 2.7970% | 3,948 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 2.4680% | 2,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7203% | 3,418 |
| Return on assets (ROA) | 0.7687% | 3,253 |
| Pretax return on assets | 0.8166% | 3,433 |
| Return on Equity (ROE) | 19.4900% | 817 |
| Retained earnings to average equity (ytd only) | 19.4939% | 406 |
| Net charge-offs to loans | 0.0203% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 77.5714% | 905 |
| Efficiency ratio | 75.8335% | 1,184 |
| Assets per employee ($millions) | 5.8115% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7063% | 4,238 |
| Loan loss allowance to noncurrent loans | 618.0952% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.0646% | 3,150 |
| Noncurrent loans to loans | 0.1143% | 2,950 |
| Net loans and leases to total assets | 48.5600% | 3,593 |
| Net loans and leases to deposits | 51.3870% | 3,823 |
| Net loans and leases to core deposits | 52.8295% | 3,876 |
| Total domestic deposits to total assets | 94.4900% | 128 |
| Equity capital to assets | 4.4195% | 4,504 |
| Core capital (leverage) ratio | 9.2926% | 3,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5559% | 529 |
| Memoranda: | ||
| Average total assets | $567,736,000 | 1,580 |
| Average earning assets | $528,146,000 | 1,576 |
| Average equity | $22,386,500 | 2,688 |
| Average total loans | $276,183,000 | 1,902 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0145% | 4,114 |
| Cost of funding earning assets | 0.1625% | 4,045 |
| Net interest margin | 2.8520% | 3,790 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.3315% | 2,642 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.9260% | 2,863 |
| Return on assets (ROA) | 0.9111% | 2,856 |
| Pretax return on assets | 0.9643% | 3,178 |
| Return on Equity (ROE) | 18.1500% | 679 |
| Retained earnings to average equity (ytd only) | 12.6727% | 560 |
| Net charge-offs to loans | -0.0004% | 3,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.2877% | 1,644 |
| Assets per employee ($millions) | 5.5511% | 3,164 |
| Cash dividends to net income (ytd only)* | 30.1880% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 4,439 |
| Loan loss allowance to noncurrent loans | 384.7458% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,169 |
| Noncurrent loans to loans | 0.1279% | 2,871 |
| Net loans and leases to total assets | 48.1500% | 3,658 |
| Net loans and leases to deposits | 52.0295% | 3,798 |
| Net loans and leases to core deposits | 52.9182% | 3,871 |
| Total domestic deposits to total assets | 92.5500% | 507 |
| Equity capital to assets | 3.4735% | 4,572 |
| Core capital (leverage) ratio | 8.9003% | 3,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3430% | 597 |
| Memoranda: | ||
| Average total assets | $578,118,400 | 1,548 |
| Average earning assets | $540,328,200 | 1,520 |
| Average equity | $29,015,200 | 2,379 |
| Average total loans | $272,381,200 | 1,849 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9294% | 4,014 |
| Cost of funding earning assets | 0.1253% | 4,077 |
| Net interest margin | 2.8041% | 3,728 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.2701% | 2,722 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.9425% | 2,693 |
| Return on assets (ROA) | 0.9425% | 2,660 |
| Pretax return on assets | 1.0058% | 2,997 |
| Return on Equity (ROE) | 17.4500% | 717 |
| Retained earnings to average equity (ytd only) | 14.0468% | 457 |
| Net charge-offs to loans | 0.0039% | 2,069 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | 534.1250% | 298 |
| Efficiency ratio | 69.2993% | 1,849 |
| Assets per employee ($millions) | 5.4801% | 3,244 |
| Cash dividends to net income (ytd only)* | 19.5217% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4775% | 4,494 |
| Loan loss allowance to noncurrent loans | 403.8806% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 3,319 |
| Noncurrent loans to loans | 0.1182% | 3,054 |
| Net loans and leases to total assets | 48.5500% | 3,577 |
| Net loans and leases to deposits | 51.8032% | 3,744 |
| Net loans and leases to core deposits | 52.0963% | 3,849 |
| Total domestic deposits to total assets | 93.7200% | 413 |
| Equity capital to assets | 2.3156% | 4,648 |
| Core capital (leverage) ratio | 8.5948% | 3,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9185% | 650 |
| Memoranda: | ||
| Average total assets | $579,707,750 | 1,547 |
| Average earning assets | $542,713,500 | 1,525 |
| Average equity | $31,304,000 | 2,310 |
| Average total loans | $271,303,500 | 1,850 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 3,937 |
| Cost of funding earning assets | 0.1231% | 3,925 |
| Net interest margin | 2.7012% | 3,696 |
| Noninterest income to average assets | 0.6169% | 1,670 |
| Noninterest expense to average assets | 2.2071% | 2,829 |
| Loan and lease loss provision to assets | -0.0345% | 4,476 |
| Net operating income to assets | 0.9204% | 2,485 |
| Return on assets (ROA) | 0.9204% | 2,455 |
| Pretax return on assets | 0.9815% | 2,792 |
| Return on Equity (ROE) | 14.3122% | 1,041 |
| Retained earnings to average equity (ytd only) | 10.0174% | 1,018 |
| Net charge-offs to loans | 0.0082% | 1,687 |
| Credit loss provision to net charge-offs | -909.0909% | 3,519 |
| Earnings coverage of net charge-offs (x) | 249.3636% | 472 |
| Efficiency ratio | 69.4724% | 2,033 |
| Assets per employee ($millions) | 6.4741% | 2,333 |
| Cash dividends to net income (ytd only)* | 30.0075% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4924% | 4,558 |
| Loan loss allowance to noncurrent loans | 359.0426% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,332 |
| Noncurrent loans to loans | 0.1371% | 3,021 |
| Net loans and leases to total assets | 46.8233% | 3,649 |
| Net loans and leases to deposits | 50.0502% | 3,807 |
| Net loans and leases to core deposits | 50.4749% | 3,912 |
| Total domestic deposits to total assets | 93.5528% | 379 |
| Equity capital to assets | 4.2544% | 4,595 |
| Core capital (leverage) ratio | 8.4641% | 3,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3684% | 595 |
| Memoranda: | ||
| Average total assets | $579,312,000 | 1,546 |
| Average earning assets | $544,129,667 | 1,538 |
| Average equity | $37,255,000 | 2,102 |
| Average total loans | $267,279,333 | 1,864 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7357% | 3,874 |
| Cost of funding earning assets | 0.1315% | 3,749 |
| Net interest margin | 2.6042% | 3,650 |
| Noninterest income to average assets | 0.5921% | 1,723 |
| Noninterest expense to average assets | 2.1709% | 2,918 |
| Loan and lease loss provision to assets | -0.0692% | 4,549 |
| Net operating income to assets | 0.8891% | 2,322 |
| Return on assets (ROA) | 0.8891% | 2,316 |
| Pretax return on assets | 0.9445% | 2,615 |
| Return on Equity (ROE) | 11.8102% | 1,379 |
| Retained earnings to average equity (ytd only) | 11.8102% | 636 |
| Net charge-offs to loans | 0.0152% | 1,236 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,262 |
| Earnings coverage of net charge-offs (x) | 126.4000% | 597 |
| Efficiency ratio | 70.7434% | 2,129 |
| Assets per employee ($millions) | 6.3123% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 4,581 |
| Loan loss allowance to noncurrent loans | 390.4624% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 3,431 |
| Noncurrent loans to loans | 0.1301% | 3,161 |
| Net loans and leases to total assets | 45.5533% | 3,616 |
| Net loans and leases to deposits | 49.7305% | 3,751 |
| Net loans and leases to core deposits | 50.8226% | 3,825 |
| Total domestic deposits to total assets | 91.6002% | 753 |
| Equity capital to assets | 6.1908% | 4,535 |
| Core capital (leverage) ratio | 8.3256% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8256% | 578 |
| Memoranda: | ||
| Average total assets | $577,631,500 | 1,563 |
| Average earning assets | $544,360,500 | 1,551 |
| Average equity | $43,488,000 | 1,940 |
| Average total loans | $263,830,500 | 1,866 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9095% | 4,034 |
| Cost of funding earning assets | 0.1596% | 3,871 |
| Net interest margin | 2.7499% | 3,782 |
| Noninterest income to average assets | 0.6239% | 2,056 |
| Noninterest expense to average assets | 2.1582% | 3,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9774% | 2,764 |
| Return on assets (ROA) | 0.9774% | 2,833 |
| Pretax return on assets | 1.0588% | 3,110 |
| Return on Equity (ROE) | 11.4104% | 2,010 |
| Retained earnings to average equity (ytd only) | 8.0151% | 1,538 |
| Net charge-offs to loans | 0.0039% | 2,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 594.5000% | 242 |
| Efficiency ratio | 66.5781% | 2,180 |
| Assets per employee ($millions) | 6.3837% | 2,421 |
| Cash dividends to net income (ytd only)* | 29.7558% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5581% | 4,576 |
| Loan loss allowance to noncurrent loans | 278.2857% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0914% | 3,299 |
| Noncurrent loans to loans | 0.2006% | 2,948 |
| Net loans and leases to total assets | 45.3077% | 3,741 |
| Net loans and leases to deposits | 50.9561% | 3,806 |
| Net loans and leases to core deposits | 52.1247% | 3,883 |
| Total domestic deposits to total assets | 88.9152% | 1,560 |
| Equity capital to assets | 8.8809% | 3,740 |
| Core capital (leverage) ratio | 8.0049% | 4,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2684% | 538 |
| Memoranda: | ||
| Average total assets | $561,482,200 | 1,536 |
| Average earning assets | $529,469,000 | 1,518 |
| Average equity | $48,096,600 | 1,816 |
| Average total loans | $258,652,800 | 1,887 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9104% | 4,155 |
| Cost of funding earning assets | 0.1633% | 3,985 |
| Net interest margin | 2.7471% | 3,888 |
| Noninterest income to average assets | 0.6129% | 2,159 |
| Noninterest expense to average assets | 2.0555% | 3,500 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0428% | 2,756 |
| Return on assets (ROA) | 1.0428% | 2,823 |
| Pretax return on assets | 1.1448% | 3,089 |
| Return on Equity (ROE) | 12.2901% | 1,944 |
| Retained earnings to average equity (ytd only) | 9.9340% | 1,336 |
| Net charge-offs to loans | 0.0176% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 140.9706% | 706 |
| Efficiency ratio | 63.7137% | 2,431 |
| Assets per employee ($millions) | 6.5042% | 2,239 |
| Cash dividends to net income (ytd only)* | 19.1709% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 4,678 |
| Loan loss allowance to noncurrent loans | 183.7596% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 3,212 |
| Noncurrent loans to loans | 0.2936% | 2,739 |
| Net loans and leases to total assets | 45.7592% | 3,813 |
| Net loans and leases to deposits | 51.1594% | 3,942 |
| Net loans and leases to core deposits | 53.0204% | 3,980 |
| Total domestic deposits to total assets | 89.4443% | 1,045 |
| Equity capital to assets | 7.9150% | 4,559 |
| Core capital (leverage) ratio | 7.1513% | 4,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6721% | 1,012 |
| Memoranda: | ||
| Average total assets | $558,219,250 | 1,561 |
| Average earning assets | $525,782,500 | 1,543 |
| Average equity | $47,364,750 | 1,866 |
| Average total loans | $257,873,750 | 1,921 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9104% | 4,212 |
| Cost of funding earning assets | 0.1707% | 4,037 |
| Net interest margin | 2.7397% | 3,904 |
| Noninterest income to average assets | 0.6254% | 2,104 |
| Noninterest expense to average assets | 2.0398% | 3,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0553% | 2,695 |
| Return on assets (ROA) | 1.0553% | 2,776 |
| Pretax return on assets | 1.1652% | 3,009 |
| Return on Equity (ROE) | 12.1511% | 2,000 |
| Retained earnings to average equity (ytd only) | 8.6549% | 1,834 |
| Net charge-offs to loans | 0.0188% | 1,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 133.8333% | 633 |
| Efficiency ratio | 63.1239% | 2,550 |
| Assets per employee ($millions) | 6.3648% | 2,269 |
| Cash dividends to net income (ytd only)* | 28.7728% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5623% | 4,691 |
| Loan loss allowance to noncurrent loans | 170.0353% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 3,195 |
| Noncurrent loans to loans | 0.3307% | 2,722 |
| Net loans and leases to total assets | 45.1763% | 3,963 |
| Net loans and leases to deposits | 50.9834% | 4,048 |
| Net loans and leases to core deposits | 52.9040% | 4,093 |
| Total domestic deposits to total assets | 88.6098% | 1,497 |
| Equity capital to assets | 8.6091% | 4,119 |
| Core capital (leverage) ratio | 7.5241% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4687% | 893 |
| Memoranda: | ||
| Average total assets | $551,334,333 | 1,570 |
| Average earning assets | $519,108,667 | 1,550 |
| Average equity | $47,880,333 | 1,835 |
| Average total loans | $255,056,667 | 1,938 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9590% | 4,169 |
| Cost of funding earning assets | 0.1812% | 4,070 |
| Net interest margin | 2.7778% | 3,816 |
| Noninterest income to average assets | 0.6378% | 2,070 |
| Noninterest expense to average assets | 1.9979% | 3,717 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1240% | 2,404 |
| Return on assets (ROA) | 1.1240% | 2,477 |
| Pretax return on assets | 1.2557% | 2,685 |
| Return on Equity (ROE) | 12.8846% | 1,702 |
| Retained earnings to average equity (ytd only) | 12.8846% | 942 |
| Net charge-offs to loans | -0.0016% | 3,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8863% | 2,922 |
| Assets per employee ($millions) | 6.3726% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5840% | 4,698 |
| Loan loss allowance to noncurrent loans | 159.3716% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 3,342 |
| Noncurrent loans to loans | 0.3664% | 2,774 |
| Net loans and leases to total assets | 44.6529% | 4,072 |
| Net loans and leases to deposits | 50.2130% | 4,148 |
| Net loans and leases to core deposits | 52.1817% | 4,183 |
| Total domestic deposits to total assets | 88.9270% | 1,378 |
| Equity capital to assets | 8.2500% | 4,328 |
| Core capital (leverage) ratio | 7.8717% | 4,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2508% | 1,033 |
| Memoranda: | ||
| Average total assets | $543,767,500 | 1,575 |
| Average earning assets | $512,063,500 | 1,557 |
| Average equity | $47,436,500 | 1,839 |
| Average total loans | $253,907,000 | 1,944 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1635% | 4,496 |
| Cost of funding earning assets | 0.3502% | 3,867 |
| Net interest margin | 2.8133% | 4,244 |
| Noninterest income to average assets | 0.6956% | 1,880 |
| Noninterest expense to average assets | 2.3459% | 3,286 |
| Loan and lease loss provision to assets | 0.0313% | 4,010 |
| Net operating income to assets | 0.8726% | 2,822 |
| Return on assets (ROA) | 0.9081% | 2,793 |
| Pretax return on assets | 0.9841% | 3,093 |
| Return on Equity (ROE) | 9.4657% | 2,213 |
| Retained earnings to average equity (ytd only) | 5.8068% | 1,897 |
| Net charge-offs to loans | -0.0054% | 4,157 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0314% | 1,943 |
| Assets per employee ($millions) | 6.1250% | 2,235 |
| Cash dividends to net income (ytd only)* | 38.6541% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 4,732 |
| Loan loss allowance to noncurrent loans | 248.4797% | 1,978 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 3,705 |
| Noncurrent loans to loans | 0.2313% | 3,371 |
| Net loans and leases to total assets | 48.3086% | 3,955 |
| Net loans and leases to deposits | 55.7688% | 4,015 |
| Net loans and leases to core deposits | 58.0843% | 4,047 |
| Total domestic deposits to total assets | 86.6230% | 2,103 |
| Equity capital to assets | 9.2279% | 3,861 |
| Core capital (leverage) ratio | 7.7526% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9037% | 1,071 |
| Memoranda: | ||
| Average total assets | $479,442,400 | 1,612 |
| Average earning assets | $447,697,800 | 1,600 |
| Average equity | $45,997,600 | 1,809 |
| Average total loans | $241,671,400 | 1,960 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2097% | 4,577 |
| Cost of funding earning assets | 0.3888% | 3,873 |
| Net interest margin | 2.8209% | 4,303 |
| Noninterest income to average assets | 0.6666% | 1,918 |
| Noninterest expense to average assets | 2.4110% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8183% | 3,024 |
| Return on assets (ROA) | 0.8668% | 2,972 |
| Pretax return on assets | 0.9378% | 3,272 |
| Return on Equity (ROE) | 8.9387% | 2,419 |
| Retained earnings to average equity (ytd only) | 6.4746% | 1,895 |
| Net charge-offs to loans | -0.0067% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5606% | 1,570 |
| Assets per employee ($millions) | 6.1285% | 2,155 |
| Cash dividends to net income (ytd only)* | 27.5658% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5128% | 4,798 |
| Loan loss allowance to noncurrent loans | 205.6162% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1260% | 3,796 |
| Noncurrent loans to loans | 0.2494% | 3,408 |
| Net loans and leases to total assets | 50.2653% | 4,088 |
| Net loans and leases to deposits | 58.3994% | 4,147 |
| Net loans and leases to core deposits | 60.9595% | 4,157 |
| Total domestic deposits to total assets | 86.0716% | 2,030 |
| Equity capital to assets | 9.2680% | 3,891 |
| Core capital (leverage) ratio | 7.9235% | 4,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1098% | 1,227 |
| Memoranda: | ||
| Average total assets | $467,615,750 | 1,630 |
| Average earning assets | $435,871,250 | 1,621 |
| Average equity | $45,345,000 | 1,830 |
| Average total loans | $238,105,250 | 1,982 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2497% | 4,685 |
| Cost of funding earning assets | 0.4356% | 3,864 |
| Net interest margin | 2.8141% | 4,424 |
| Noninterest income to average assets | 0.6560% | 1,912 |
| Noninterest expense to average assets | 2.4872% | 2,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7300% | 3,281 |
| Return on assets (ROA) | 0.8058% | 3,141 |
| Pretax return on assets | 0.8662% | 3,411 |
| Return on Equity (ROE) | 8.1751% | 2,677 |
| Retained earnings to average equity (ytd only) | 4.4295% | 2,736 |
| Net charge-offs to loans | -0.0095% | 4,194 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3973% | 1,317 |
| Assets per employee ($millions) | 6.0267% | 2,160 |
| Cash dividends to net income (ytd only)* | 45.8174% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5353% | 4,801 |
| Loan loss allowance to noncurrent loans | 145.3142% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 3,567 |
| Noncurrent loans to loans | 0.3684% | 3,086 |
| Net loans and leases to total assets | 50.1655% | 4,157 |
| Net loans and leases to deposits | 58.6468% | 4,183 |
| Net loans and leases to core deposits | 61.4759% | 4,192 |
| Total domestic deposits to total assets | 85.5383% | 2,182 |
| Equity capital to assets | 9.4711% | 3,682 |
| Core capital (leverage) ratio | 8.5167% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0442% | 1,049 |
| Memoranda: | ||
| Average total assets | $453,932,667 | 1,646 |
| Average earning assets | $421,946,333 | 1,643 |
| Average equity | $44,745,667 | 1,834 |
| Average total loans | $231,807,000 | 2,002 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3459% | 4,778 |
| Cost of funding earning assets | 0.5026% | 3,933 |
| Net interest margin | 2.8432% | 4,512 |
| Noninterest income to average assets | 0.6602% | 1,801 |
| Noninterest expense to average assets | 2.5402% | 3,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7191% | 3,209 |
| Return on assets (ROA) | 0.7234% | 3,277 |
| Pretax return on assets | 0.7665% | 3,502 |
| Return on Equity (ROE) | 7.1816% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.1816% | 1,480 |
| Net charge-offs to loans | -0.0160% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2895% | 1,532 |
| Assets per employee ($millions) | 5.3153% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5784% | 4,790 |
| Loan loss allowance to noncurrent loans | 108.7531% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 3,371 |
| Noncurrent loans to loans | 0.5319% | 2,670 |
| Net loans and leases to total assets | 50.7000% | 4,202 |
| Net loans and leases to deposits | 60.6980% | 4,175 |
| Net loans and leases to core deposits | 63.6448% | 4,190 |
| Total domestic deposits to total assets | 83.5283% | 2,940 |
| Equity capital to assets | 10.1731% | 3,628 |
| Core capital (leverage) ratio | 9.0109% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6930% | 899 |
| Memoranda: | ||
| Average total assets | $436,819,000 | 1,661 |
| Average earning assets | $405,875,500 | 1,649 |
| Average equity | $44,001,500 | 1,849 |
| Average total loans | $224,607,500 | 2,023 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6164% | 4,766 |
| Cost of funding earning assets | 0.5841% | 3,702 |
| Net interest margin | 3.0323% | 4,478 |
| Noninterest income to average assets | 0.7861% | 1,488 |
| Noninterest expense to average assets | 2.6959% | 2,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8164% | 3,506 |
| Return on assets (ROA) | 0.9108% | 3,247 |
| Pretax return on assets | 1.0065% | 3,451 |
| Return on Equity (ROE) | 9.1220% | 2,697 |
| Retained earnings to average equity (ytd only) | 4.9245% | 2,460 |
| Net charge-offs to loans | 0.0164% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 106.8286% | 646 |
| Efficiency ratio | 74.3213% | 1,571 |
| Assets per employee ($millions) | 4.9099% | 2,699 |
| Cash dividends to net income (ytd only)* | 46.0154% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5904% | 4,756 |
| Loan loss allowance to noncurrent loans | 138.7063% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2208% | 3,571 |
| Noncurrent loans to loans | 0.4257% | 2,923 |
| Net loans and leases to total assets | 51.5558% | 4,254 |
| Net loans and leases to deposits | 60.1723% | 4,278 |
| Net loans and leases to core deposits | 63.7274% | 4,293 |
| Total domestic deposits to total assets | 85.6802% | 2,204 |
| Equity capital to assets | 9.9687% | 3,951 |
| Core capital (leverage) ratio | 9.0572% | 4,481 |
| Tier 1 risk-based capital ratio | 19.4938% | 1,412 |
| Total risk-based capital ratio | 20.1544% | 1,504 |
| Memoranda: | ||
| Average total assets | $414,702,200 | 1,693 |
| Average earning assets | $384,498,000 | 1,688 |
| Average equity | $41,405,200 | 1,871 |
| Average total loans | $213,475,400 | 2,066 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 4,837 |
| Cost of funding earning assets | 0.5939% | 3,729 |
| Net interest margin | 3.0558% | 4,550 |
| Noninterest income to average assets | 0.7920% | 1,444 |
| Noninterest expense to average assets | 2.7337% | 2,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8024% | 3,665 |
| Return on assets (ROA) | 0.9336% | 3,294 |
| Pretax return on assets | 1.0360% | 3,483 |
| Return on Equity (ROE) | 9.3468% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.5026% | 2,117 |
| Net charge-offs to loans | 0.0259% | 2,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 67.0187% | 989 |
| Efficiency ratio | 74.8279% | 1,462 |
| Assets per employee ($millions) | 4.8079% | 2,781 |
| Cash dividends to net income (ytd only)* | 30.4302% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5917% | 4,840 |
| Loan loss allowance to noncurrent loans | 167.6546% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 3,852 |
| Noncurrent loans to loans | 0.3529% | 3,278 |
| Net loans and leases to total assets | 51.0800% | 4,366 |
| Net loans and leases to deposits | 59.6641% | 4,397 |
| Net loans and leases to core deposits | 62.9420% | 4,426 |
| Total domestic deposits to total assets | 85.6126% | 2,161 |
| Equity capital to assets | 10.0922% | 3,928 |
| Core capital (leverage) ratio | 9.2421% | 4,441 |
| Tier 1 risk-based capital ratio | 19.7042% | 1,418 |
| Total risk-based capital ratio | 20.3609% | 1,513 |
| Memoranda: | ||
| Average total assets | $411,588,500 | 1,714 |
| Average earning assets | $381,435,250 | 1,711 |
| Average equity | $41,111,000 | 1,886 |
| Average total loans | $211,461,250 | 2,092 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6757% | 4,856 |
| Cost of funding earning assets | 0.5776% | 3,761 |
| Net interest margin | 3.0981% | 4,540 |
| Noninterest income to average assets | 0.7652% | 1,459 |
| Noninterest expense to average assets | 2.7660% | 2,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8075% | 3,624 |
| Return on assets (ROA) | 0.8061% | 3,688 |
| Pretax return on assets | 0.8662% | 3,940 |
| Return on Equity (ROE) | 8.1000% | 3,249 |
| Retained earnings to average equity (ytd only) | 3.7605% | 3,375 |
| Net charge-offs to loans | 0.0192% | 2,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 88.1000% | 760 |
| Efficiency ratio | 75.4980% | 1,460 |
| Assets per employee ($millions) | 4.9949% | 2,484 |
| Cash dividends to net income (ytd only)* | 53.5736% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 4,844 |
| Loan loss allowance to noncurrent loans | 178.8904% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 3,882 |
| Noncurrent loans to loans | 0.3441% | 3,312 |
| Net loans and leases to total assets | 50.8774% | 4,418 |
| Net loans and leases to deposits | 59.3007% | 4,464 |
| Net loans and leases to core deposits | 63.0741% | 4,450 |
| Total domestic deposits to total assets | 85.7957% | 2,136 |
| Equity capital to assets | 10.0894% | 3,900 |
| Core capital (leverage) ratio | 9.4005% | 4,248 |
| Tier 1 risk-based capital ratio | 19.9191% | 1,362 |
| Total risk-based capital ratio | 20.6072% | 1,440 |
| Memoranda: | ||
| Average total assets | $406,150,330 | 1,738 |
| Average earning assets | $376,034,330 | 1,737 |
| Average equity | $40,419,670 | 1,913 |
| Average total loans | $208,657,000 | 2,126 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6792% | 4,873 |
| Cost of funding earning assets | 0.5704% | 3,729 |
| Net interest margin | 3.1089% | 4,578 |
| Noninterest income to average assets | 0.7390% | 1,469 |
| Noninterest expense to average assets | 2.8430% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7329% | 3,829 |
| Return on assets (ROA) | 0.7300% | 3,894 |
| Pretax return on assets | 0.7641% | 4,138 |
| Return on Equity (ROE) | 7.3891% | 3,509 |
| Retained earnings to average equity (ytd only) | 7.3891% | 1,889 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1137% | 1,253 |
| Assets per employee ($millions) | 4.6264% | 3,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,854 |
| Loan loss allowance to noncurrent loans | 150.2800% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 3,741 |
| Noncurrent loans to loans | 0.4322% | 3,032 |
| Net loans and leases to total assets | 51.0059% | 4,407 |
| Net loans and leases to deposits | 57.8891% | 4,509 |
| Net loans and leases to core deposits | 61.7230% | 4,500 |
| Total domestic deposits to total assets | 88.1096% | 1,279 |
| Equity capital to assets | 10.1095% | 3,716 |
| Core capital (leverage) ratio | 9.7677% | 3,848 |
| Tier 1 risk-based capital ratio | 20.4888% | 1,247 |
| Total risk-based capital ratio | 21.2069% | 1,323 |
| Memoranda: | ||
| Average total assets | $399,441,000 | 1,771 |
| Average earning assets | $368,880,500 | 1,772 |
| Average equity | $39,463,500 | 1,945 |
| Average total loans | $205,591,500 | 2,171 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7000% | 4,672 |
| Cost of funding earning assets | 0.3943% | 4,017 |
| Net interest margin | 3.3057% | 4,241 |
| Noninterest income to average assets | 0.7825% | 1,513 |
| Noninterest expense to average assets | 2.8018% | 2,686 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9532% | 3,212 |
| Return on assets (ROA) | 0.9550% | 3,201 |
| Pretax return on assets | 1.0368% | 3,487 |
| Return on Equity (ROE) | 10.1281% | 2,464 |
| Retained earnings to average equity (ytd only) | 5.5254% | 2,468 |
| Net charge-offs to loans | 0.0339% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 59.8143% | 1,022 |
| Efficiency ratio | 72.4345% | 1,848 |
| Assets per employee ($millions) | 4.4538% | 3,238 |
| Cash dividends to net income (ytd only)* | 45.4451% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 4,889 |
| Loan loss allowance to noncurrent loans | 162.6667% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 3,788 |
| Noncurrent loans to loans | 0.4033% | 3,082 |
| Net loans and leases to total assets | 51.2638% | 4,441 |
| Net loans and leases to deposits | 62.0012% | 4,377 |
| Net loans and leases to core deposits | 64.2073% | 4,444 |
| Total domestic deposits to total assets | 82.6819% | 3,430 |
| Equity capital to assets | 9.6463% | 4,012 |
| Core capital (leverage) ratio | 9.5390% | 4,077 |
| Tier 1 risk-based capital ratio | 20.2204% | 1,268 |
| Total risk-based capital ratio | 20.9432% | 1,327 |
| Memoranda: | ||
| Average total assets | $404,597,200 | 1,697 |
| Average earning assets | $373,813,400 | 1,703 |
| Average equity | $38,151,400 | 1,930 |
| Average total loans | $206,501,400 | 2,126 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,676 |
| Cost of funding earning assets | 0.3766% | 4,011 |
| Net interest margin | 3.3096% | 4,251 |
| Noninterest income to average assets | 0.7607% | 1,626 |
| Noninterest expense to average assets | 2.7679% | 2,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9681% | 3,226 |
| Return on assets (ROA) | 0.9705% | 3,231 |
| Pretax return on assets | 1.0558% | 3,553 |
| Return on Equity (ROE) | 10.3503% | 2,457 |
| Retained earnings to average equity (ytd only) | 7.2802% | 1,985 |
| Net charge-offs to loans | 0.0155% | 2,874 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 133.8300% | 605 |
| Efficiency ratio | 71.8466% | 1,905 |
| Assets per employee ($millions) | 4.3234% | 3,392 |
| Cash dividends to net income (ytd only)* | 29.6622% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6654% | 4,943 |
| Loan loss allowance to noncurrent loans | 200.5780% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 3,925 |
| Noncurrent loans to loans | 0.3318% | 3,477 |
| Net loans and leases to total assets | 52.0930% | 4,481 |
| Net loans and leases to deposits | 60.2816% | 4,531 |
| Net loans and leases to core deposits | 63.6222% | 4,541 |
| Total domestic deposits to total assets | 86.4162% | 2,007 |
| Equity capital to assets | 9.2492% | 4,322 |
| Core capital (leverage) ratio | 9.4682% | 4,215 |
| Tier 1 risk-based capital ratio | 20.0793% | 1,322 |
| Total risk-based capital ratio | 20.8158% | 1,391 |
| Memoranda: | ||
| Average total assets | $406,649,250 | 1,694 |
| Average earning assets | $376,023,000 | 1,698 |
| Average equity | $38,130,000 | 1,939 |
| Average total loans | $206,990,250 | 2,127 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6564% | 4,676 |
| Cost of funding earning assets | 0.3625% | 3,991 |
| Net interest margin | 3.2938% | 4,264 |
| Noninterest income to average assets | 0.7309% | 1,737 |
| Noninterest expense to average assets | 2.7514% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9480% | 3,246 |
| Return on assets (ROA) | 0.9516% | 3,236 |
| Pretax return on assets | 1.0312% | 3,564 |
| Return on Equity (ROE) | 10.1045% | 2,518 |
| Retained earnings to average equity (ytd only) | 5.5577% | 2,790 |
| Net charge-offs to loans | 0.0242% | 2,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 84.1600% | 800 |
| Efficiency ratio | 72.2186% | 1,967 |
| Assets per employee ($millions) | 4.7253% | 2,786 |
| Cash dividends to net income (ytd only)* | 44.9974% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 5,011 |
| Loan loss allowance to noncurrent loans | 258.2868% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,251 |
| Noncurrent loans to loans | 0.2560% | 3,782 |
| Net loans and leases to total assets | 51.2833% | 4,522 |
| Net loans and leases to deposits | 63.0705% | 4,348 |
| Net loans and leases to core deposits | 65.5084% | 4,398 |
| Total domestic deposits to total assets | 81.3111% | 3,910 |
| Equity capital to assets | 9.1378% | 4,446 |
| Core capital (leverage) ratio | 9.1640% | 4,505 |
| Tier 1 risk-based capital ratio | 19.4982% | 1,432 |
| Total risk-based capital ratio | 20.2259% | 1,518 |
| Memoranda: | ||
| Average total assets | $409,615,000 | 1,679 |
| Average earning assets | $379,010,330 | 1,691 |
| Average equity | $38,577,000 | 1,923 |
| Average total loans | $206,457,330 | 2,136 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6025% | 4,702 |
| Cost of funding earning assets | 0.3525% | 3,969 |
| Net interest margin | 3.2500% | 4,314 |
| Noninterest income to average assets | 0.6984% | 1,839 |
| Noninterest expense to average assets | 2.7585% | 2,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8851% | 3,355 |
| Return on assets (ROA) | 0.8851% | 3,368 |
| Pretax return on assets | 0.9532% | 3,696 |
| Return on Equity (ROE) | 9.2624% | 2,784 |
| Retained earnings to average equity (ytd only) | 9.2624% | 1,378 |
| Net charge-offs to loans | 0.0391% | 1,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 956 |
| Efficiency ratio | 73.7159% | 1,932 |
| Assets per employee ($millions) | 4.6272% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 5,094 |
| Loan loss allowance to noncurrent loans | 190.2873% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.2057% | 4,062 |
| Noncurrent loans to loans | 0.3475% | 3,521 |
| Net loans and leases to total assets | 50.7412% | 4,513 |
| Net loans and leases to deposits | 60.8949% | 4,411 |
| Net loans and leases to core deposits | 64.7484% | 4,381 |
| Total domestic deposits to total assets | 83.3259% | 3,572 |
| Equity capital to assets | 9.3882% | 4,195 |
| Core capital (leverage) ratio | 9.4029% | 4,186 |
| Tier 1 risk-based capital ratio | 19.9202% | 1,359 |
| Total risk-based capital ratio | 20.6470% | 1,420 |
| Memoranda: | ||
| Average total assets | $411,232,500 | 1,684 |
| Average earning assets | $381,291,500 | 1,693 |
| Average equity | $39,298,500 | 1,900 |
| Average total loans | $204,790,000 | 2,159 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,444 |
| Cost of funding earning assets | 0.2528% | 4,537 |
| Net interest margin | 3.4006% | 3,857 |
| Noninterest income to average assets | 0.7280% | 1,852 |
| Noninterest expense to average assets | 2.8411% | 2,643 |
| Loan and lease loss provision to assets | 0.0491% | 3,240 |
| Net operating income to assets | 0.9437% | 2,476 |
| Return on assets (ROA) | 0.9487% | 2,485 |
| Pretax return on assets | 0.9931% | 3,601 |
| Return on Equity (ROE) | 9.5510% | 2,081 |
| Retained earnings to average equity (ytd only) | 0.3385% | 4,889 |
| Net charge-offs to loans | 0.0929% | 2,153 |
| Credit loss provision to net charge-offs | 110.4972% | 2,357 |
| Earnings coverage of net charge-offs (x) | 23.3425% | 1,811 |
| Efficiency ratio | 72.6772% | 2,128 |
| Assets per employee ($millions) | 4.6664% | 2,920 |
| Cash dividends to net income (ytd only)* | 96.4554% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 5,051 |
| Loan loss allowance to noncurrent loans | 212.9713% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1936% | 4,165 |
| Noncurrent loans to loans | 0.3328% | 3,575 |
| Net loans and leases to total assets | 48.1716% | 4,753 |
| Net loans and leases to deposits | 59.6394% | 4,591 |
| Net loans and leases to core deposits | 63.7982% | 4,542 |
| Total domestic deposits to total assets | 80.7715% | 4,178 |
| Equity capital to assets | 9.7248% | 4,003 |
| Core capital (leverage) ratio | 9.0359% | 4,604 |
| Tier 1 risk-based capital ratio | 19.9509% | 1,334 |
| Total risk-based capital ratio | 20.7123% | 1,395 |
| Memoranda: | ||
| Average total assets | $407,413,200 | 1,676 |
| Average earning assets | $377,408,600 | 1,680 |
| Average equity | $40,467,000 | 1,848 |
| Average total loans | $194,870,600 | 2,198 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5999% | 4,560 |
| Cost of funding earning assets | 0.2300% | 4,745 |
| Net interest margin | 3.3699% | 3,949 |
| Noninterest income to average assets | 0.7332% | 1,859 |
| Noninterest expense to average assets | 2.7928% | 2,750 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9158% | 2,941 |
| Return on assets (ROA) | 0.9214% | 2,978 |
| Pretax return on assets | 1.0703% | 3,422 |
| Return on Equity (ROE) | 9.2279% | 2,483 |
| Retained earnings to average equity (ytd only) | 3.3923% | 3,905 |
| Net charge-offs to loans | 0.0420% | 2,605 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 53.1812% | 1,079 |
| Efficiency ratio | 71.8306% | 2,224 |
| Assets per employee ($millions) | 4.8073% | 2,686 |
| Cash dividends to net income (ytd only)* | 63.2384% | 1,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6789% | 5,187 |
| Loan loss allowance to noncurrent loans | 126.4957% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 3,872 |
| Noncurrent loans to loans | 0.5367% | 3,095 |
| Net loans and leases to total assets | 47.1318% | 4,876 |
| Net loans and leases to deposits | 57.6603% | 4,781 |
| Net loans and leases to core deposits | 60.1219% | 4,811 |
| Total domestic deposits to total assets | 81.7404% | 3,857 |
| Equity capital to assets | 10.0422% | 3,867 |
| Core capital (leverage) ratio | 9.4370% | 4,244 |
| Tier 1 risk-based capital ratio | 20.9379% | 1,206 |
| Total risk-based capital ratio | 21.6587% | 1,264 |
| Memoranda: | ||
| Average total assets | $406,606,500 | 1,690 |
| Average earning assets | $376,855,000 | 1,697 |
| Average equity | $40,600,250 | 1,846 |
| Average total loans | $193,782,250 | 2,222 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 4,512 |
| Cost of funding earning assets | 0.2284% | 4,733 |
| Net interest margin | 3.3713% | 3,872 |
| Noninterest income to average assets | 0.7360% | 1,830 |
| Noninterest expense to average assets | 2.8521% | 2,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8789% | 3,021 |
| Return on assets (ROA) | 0.8918% | 3,013 |
| Pretax return on assets | 1.0234% | 3,466 |
| Return on Equity (ROE) | 8.9491% | 2,534 |
| Retained earnings to average equity (ytd only) | 2.6108% | 4,137 |
| Net charge-offs to loans | 0.0249% | 2,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 84.9583% | 735 |
| Efficiency ratio | 73.2864% | 2,133 |
| Assets per employee ($millions) | 4.7382% | 2,736 |
| Cash dividends to net income (ytd only)* | 70.8264% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 5,173 |
| Loan loss allowance to noncurrent loans | 112.7677% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 3,760 |
| Noncurrent loans to loans | 0.6349% | 2,825 |
| Net loans and leases to total assets | 46.5857% | 4,911 |
| Net loans and leases to deposits | 56.7527% | 4,821 |
| Net loans and leases to core deposits | 59.2661% | 4,865 |
| Total domestic deposits to total assets | 82.0854% | 3,859 |
| Equity capital to assets | 10.0403% | 3,869 |
| Core capital (leverage) ratio | 9.4311% | 4,201 |
| Tier 1 risk-based capital ratio | 20.9567% | 1,191 |
| Total risk-based capital ratio | 21.7084% | 1,249 |
| Memoranda: | ||
| Average total assets | $404,333,330 | 1,701 |
| Average earning assets | $374,755,330 | 1,703 |
| Average equity | $40,294,670 | 1,856 |
| Average total loans | $192,980,670 | 2,233 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 4,380 |
| Cost of funding earning assets | 0.2305% | 4,713 |
| Net interest margin | 3.3838% | 3,699 |
| Noninterest income to average assets | 0.7310% | 1,824 |
| Noninterest expense to average assets | 2.9388% | 2,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8293% | 3,081 |
| Return on assets (ROA) | 0.8293% | 3,139 |
| Pretax return on assets | 0.9266% | 3,671 |
| Return on Equity (ROE) | 8.3530% | 2,746 |
| Retained earnings to average equity (ytd only) | 4.3516% | 3,246 |
| Net charge-offs to loans | -0.0330% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4368% | 1,992 |
| Assets per employee ($millions) | 4.5110% | 3,152 |
| Cash dividends to net income (ytd only)* | 47.9042% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 5,242 |
| Loan loss allowance to noncurrent loans | 98.3252% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4106% | 3,545 |
| Noncurrent loans to loans | 0.7440% | 2,629 |
| Net loans and leases to total assets | 47.0951% | 4,885 |
| Net loans and leases to deposits | 56.8773% | 4,765 |
| Net loans and leases to core deposits | 59.6661% | 4,793 |
| Total domestic deposits to total assets | 82.8012% | 3,916 |
| Equity capital to assets | 9.9277% | 3,846 |
| Core capital (leverage) ratio | 9.5467% | 4,059 |
| Tier 1 risk-based capital ratio | 20.6452% | 1,281 |
| Total risk-based capital ratio | 21.4095% | 1,330 |
| Memoranda: | ||
| Average total assets | $402,756,000 | 1,719 |
| Average earning assets | $373,072,500 | 1,721 |
| Average equity | $39,985,500 | 1,865 |
| Average total loans | $193,871,000 | 2,232 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6705% | 4,308 |
| Cost of funding earning assets | 0.2498% | 4,567 |
| Net interest margin | 3.4207% | 3,749 |
| Noninterest income to average assets | 0.7959% | 1,756 |
| Noninterest expense to average assets | 2.8777% | 2,751 |
| Loan and lease loss provision to assets | 0.0200% | 3,967 |
| Net operating income to assets | 0.8933% | 2,865 |
| Return on assets (ROA) | 0.9440% | 2,720 |
| Pretax return on assets | 1.1148% | 3,045 |
| Return on Equity (ROE) | 9.1871% | 2,321 |
| Retained earnings to average equity (ytd only) | 4.9241% | 2,392 |
| Net charge-offs to loans | 0.0414% | 3,203 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 53.8125% | 965 |
| Efficiency ratio | 72.2264% | 2,559 |
| Assets per employee ($millions) | 4.2503% | 3,525 |
| Cash dividends to net income (ytd only)* | 46.4021% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 5,332 |
| Loan loss allowance to noncurrent loans | 115.1240% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3614% | 3,837 |
| Noncurrent loans to loans | 0.6201% | 2,987 |
| Net loans and leases to total assets | 48.4926% | 4,861 |
| Net loans and leases to deposits | 60.0253% | 4,664 |
| Net loans and leases to core deposits | 62.9034% | 4,695 |
| Total domestic deposits to total assets | 80.7869% | 4,393 |
| Equity capital to assets | 9.9283% | 3,793 |
| Core capital (leverage) ratio | 9.4942% | 4,089 |
| Tier 1 risk-based capital ratio | 20.2991% | 1,323 |
| Total risk-based capital ratio | 21.0487% | 1,385 |
| Memoranda: | ||
| Average total assets | $400,425,200 | 1,683 |
| Average earning assets | $369,541,200 | 1,685 |
| Average equity | $41,144,600 | 1,798 |
| Average total loans | $193,021,600 | 2,173 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7063% | 4,233 |
| Cost of funding earning assets | 0.2588% | 4,526 |
| Net interest margin | 3.4476% | 3,678 |
| Noninterest income to average assets | 0.8110% | 1,713 |
| Noninterest expense to average assets | 2.8486% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9526% | 2,636 |
| Return on assets (ROA) | 1.0187% | 2,474 |
| Pretax return on assets | 1.2210% | 2,747 |
| Return on Equity (ROE) | 9.8309% | 2,126 |
| Retained earnings to average equity (ytd only) | 7.0368% | 1,616 |
| Net charge-offs to loans | 0.0242% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 97.9906% | 672 |
| Efficiency ratio | 70.8173% | 2,771 |
| Assets per employee ($millions) | 4.1788% | 3,635 |
| Cash dividends to net income (ytd only)* | 28.4221% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 5,427 |
| Loan loss allowance to noncurrent loans | 96.8616% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,810 |
| Noncurrent loans to loans | 0.7232% | 2,864 |
| Net loans and leases to total assets | 47.9865% | 4,960 |
| Net loans and leases to deposits | 58.3593% | 4,860 |
| Net loans and leases to core deposits | 61.1791% | 4,878 |
| Total domestic deposits to total assets | 82.2260% | 3,867 |
| Equity capital to assets | 10.7051% | 3,350 |
| Core capital (leverage) ratio | 9.5416% | 4,129 |
| Tier 1 risk-based capital ratio | 20.9143% | 1,287 |
| Total risk-based capital ratio | 21.6642% | 1,339 |
| Memoranda: | ||
| Average total assets | $400,650,250 | 1,684 |
| Average earning assets | $369,447,250 | 1,690 |
| Average equity | $41,514,250 | 1,797 |
| Average total loans | $192,493,750 | 2,180 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7308% | 4,184 |
| Cost of funding earning assets | 0.2745% | 4,396 |
| Net interest margin | 3.4563% | 3,657 |
| Noninterest income to average assets | 0.7896% | 1,759 |
| Noninterest expense to average assets | 2.8621% | 2,799 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9369% | 2,696 |
| Return on assets (ROA) | 1.0393% | 2,348 |
| Pretax return on assets | 1.2375% | 2,642 |
| Return on Equity (ROE) | 10.1420% | 1,987 |
| Retained earnings to average equity (ytd only) | 5.9019% | 2,178 |
| Net charge-offs to loans | 0.0729% | 2,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 31.9143% | 1,351 |
| Efficiency ratio | 71.3748% | 2,763 |
| Assets per employee ($millions) | 4.3238% | 3,328 |
| Cash dividends to net income (ytd only)* | 41.8068% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 5,544 |
| Loan loss allowance to noncurrent loans | 88.8516% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 3,858 |
| Noncurrent loans to loans | 0.7719% | 2,816 |
| Net loans and leases to total assets | 48.1610% | 4,979 |
| Net loans and leases to deposits | 58.5534% | 4,875 |
| Net loans and leases to core deposits | 60.9775% | 4,935 |
| Total domestic deposits to total assets | 82.2513% | 3,921 |
| Equity capital to assets | 10.6314% | 3,496 |
| Core capital (leverage) ratio | 9.1045% | 4,711 |
| Tier 1 risk-based capital ratio | 19.6837% | 1,527 |
| Total risk-based capital ratio | 20.3941% | 1,627 |
| Memoranda: | ||
| Average total assets | $400,478,670 | 1,685 |
| Average earning assets | $369,407,330 | 1,688 |
| Average equity | $41,037,330 | 1,813 |
| Average total loans | $192,037,330 | 2,192 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6972% | 4,334 |
| Cost of funding earning assets | 0.2876% | 4,301 |
| Net interest margin | 3.4095% | 3,842 |
| Noninterest income to average assets | 0.7068% | 2,011 |
| Noninterest expense to average assets | 2.8182% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8963% | 2,773 |
| Return on assets (ROA) | 1.0084% | 2,352 |
| Pretax return on assets | 1.1697% | 2,819 |
| Return on Equity (ROE) | 10.0271% | 1,974 |
| Retained earnings to average equity (ytd only) | 10.0271% | 840 |
| Net charge-offs to loans | 0.0063% | 2,901 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 171 |
| Efficiency ratio | 72.4645% | 2,729 |
| Assets per employee ($millions) | 4.4834% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 5,557 |
| Loan loss allowance to noncurrent loans | 83.8865% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 3,833 |
| Noncurrent loans to loans | 0.8611% | 2,691 |
| Net loans and leases to total assets | 47.3429% | 5,019 |
| Net loans and leases to deposits | 57.2261% | 4,902 |
| Net loans and leases to core deposits | 60.0830% | 4,933 |
| Total domestic deposits to total assets | 82.7296% | 3,994 |
| Equity capital to assets | 10.2804% | 3,767 |
| Core capital (leverage) ratio | 9.1475% | 4,660 |
| Tier 1 risk-based capital ratio | 19.4416% | 1,624 |
| Total risk-based capital ratio | 20.1835% | 1,714 |
| Memoranda: | ||
| Average total assets | $401,821,500 | 1,679 |
| Average earning assets | $371,311,000 | 1,675 |
| Average equity | $40,410,500 | 1,829 |
| Average total loans | $191,604,000 | 2,192 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7503% | 4,191 |
| Cost of funding earning assets | 0.4003% | 3,161 |
| Net interest margin | 3.3501% | 4,111 |
| Noninterest income to average assets | 0.8111% | 1,745 |
| Noninterest expense to average assets | 2.9299% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.9026% | 2,855 |
| Return on assets (ROA) | 0.9777% | 2,556 |
| Pretax return on assets | 1.0703% | 3,188 |
| Return on Equity (ROE) | 9.0196% | 2,443 |
| Retained earnings to average equity (ytd only) | 4.6006% | 2,708 |
| Net charge-offs to loans | 0.0970% | 2,450 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 22.9871% | 1,748 |
| Efficiency ratio | 74.7877% | 2,460 |
| Assets per employee ($millions) | 4.1681% | 3,631 |
| Cash dividends to net income (ytd only)* | 48.9935% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7301% | 5,580 |
| Loan loss allowance to noncurrent loans | 81.8449% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 3,799 |
| Noncurrent loans to loans | 0.8921% | 2,566 |
| Net loans and leases to total assets | 47.3322% | 5,071 |
| Net loans and leases to deposits | 57.1292% | 4,971 |
| Net loans and leases to core deposits | 60.0867% | 4,979 |
| Total domestic deposits to total assets | 82.8512% | 3,886 |
| Equity capital to assets | 9.8314% | 4,158 |
| Core capital (leverage) ratio | 8.9096% | 4,994 |
| Tier 1 risk-based capital ratio | 18.8905% | 1,725 |
| Total risk-based capital ratio | 19.6312% | 1,814 |
| Memoranda: | ||
| Average total assets | $360,732,600 | 1,820 |
| Average earning assets | $334,502,400 | 1,814 |
| Average equity | $39,103,600 | 1,843 |
| Average total loans | $159,786,200 | 2,474 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,410 |
| Cost of funding earning assets | 0.4102% | 3,121 |
| Net interest margin | 3.2927% | 4,384 |
| Noninterest income to average assets | 0.8215% | 1,721 |
| Noninterest expense to average assets | 2.7355% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0114% | 2,417 |
| Return on assets (ROA) | 1.1077% | 2,051 |
| Pretax return on assets | 1.2521% | 2,591 |
| Return on Equity (ROE) | 9.9541% | 2,125 |
| Retained earnings to average equity (ytd only) | 7.0242% | 1,673 |
| Net charge-offs to loans | -0.0035% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5369% | 3,127 |
| Assets per employee ($millions) | 4.1614% | 3,597 |
| Cash dividends to net income (ytd only)* | 29.4339% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9891% | 4,805 |
| Loan loss allowance to noncurrent loans | 95.0980% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.5052% | 3,811 |
| Noncurrent loans to loans | 1.0401% | 2,394 |
| Net loans and leases to total assets | 43.9204% | 5,363 |
| Net loans and leases to deposits | 55.2488% | 5,172 |
| Net loans and leases to core deposits | 57.3707% | 5,230 |
| Total domestic deposits to total assets | 79.4958% | 4,862 |
| Equity capital to assets | 11.3811% | 2,605 |
| Core capital (leverage) ratio | 10.7232% | 2,797 |
| Tier 1 risk-based capital ratio | 23.0746% | 1,045 |
| Total risk-based capital ratio | 24.0148% | 1,069 |
| Memoranda: | ||
| Average total assets | $350,881,250 | 1,876 |
| Average earning assets | $325,719,750 | 1,876 |
| Average equity | $39,044,750 | 1,859 |
| Average total loans | $152,036,000 | 2,583 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6765% | 4,482 |
| Cost of funding earning assets | 0.4234% | 3,002 |
| Net interest margin | 3.2531% | 4,486 |
| Noninterest income to average assets | 0.8007% | 1,776 |
| Noninterest expense to average assets | 2.7594% | 3,382 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9557% | 2,600 |
| Return on assets (ROA) | 1.0545% | 2,234 |
| Pretax return on assets | 1.1722% | 2,890 |
| Return on Equity (ROE) | 9.5495% | 2,279 |
| Retained earnings to average equity (ytd only) | 5.1086% | 2,790 |
| Net charge-offs to loans | 0.0479% | 2,746 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 51.6389% | 937 |
| Efficiency ratio | 72.1998% | 2,977 |
| Assets per employee ($millions) | 4.1135% | 3,653 |
| Cash dividends to net income (ytd only)* | 46.5041% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 4,983 |
| Loan loss allowance to noncurrent loans | 92.9274% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 3,909 |
| Noncurrent loans to loans | 1.0508% | 2,542 |
| Net loans and leases to total assets | 43.3154% | 5,417 |
| Net loans and leases to deposits | 54.8542% | 5,200 |
| Net loans and leases to core deposits | 57.0172% | 5,254 |
| Total domestic deposits to total assets | 78.9645% | 5,101 |
| Equity capital to assets | 10.8647% | 3,033 |
| Core capital (leverage) ratio | 10.4065% | 3,080 |
| Tier 1 risk-based capital ratio | 22.3630% | 1,156 |
| Total risk-based capital ratio | 23.2750% | 1,187 |
| Memoranda: | ||
| Average total assets | $349,936,000 | 1,893 |
| Average earning assets | $324,985,000 | 1,886 |
| Average equity | $38,640,670 | 1,887 |
| Average total loans | $150,412,670 | 2,612 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,501 |
| Cost of funding earning assets | 0.4361% | 2,917 |
| Net interest margin | 3.2237% | 4,509 |
| Noninterest income to average assets | 0.7976% | 1,718 |
| Noninterest expense to average assets | 2.7688% | 3,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9586% | 2,454 |
| Return on assets (ROA) | 0.9586% | 2,588 |
| Pretax return on assets | 1.0195% | 3,423 |
| Return on Equity (ROE) | 8.6105% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.6105% | 1,338 |
| Net charge-offs to loans | 0.0108% | 2,973 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 221.7500% | 256 |
| Efficiency ratio | 73.0886% | 2,978 |
| Assets per employee ($millions) | 3.9726% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 4,787 |
| Loan loss allowance to noncurrent loans | 96.4397% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.4837% | 4,092 |
| Noncurrent loans to loans | 1.0846% | 2,590 |
| Net loans and leases to total assets | 41.7840% | 5,504 |
| Net loans and leases to deposits | 52.6490% | 5,294 |
| Net loans and leases to core deposits | 54.7398% | 5,327 |
| Total domestic deposits to total assets | 79.3634% | 5,198 |
| Equity capital to assets | 11.3385% | 2,609 |
| Core capital (leverage) ratio | 10.5855% | 2,867 |
| Tier 1 risk-based capital ratio | 23.1988% | 1,083 |
| Total risk-based capital ratio | 24.1691% | 1,102 |
| Memoranda: | ||
| Average total assets | $348,024,500 | 1,907 |
| Average earning assets | $322,857,500 | 1,909 |
| Average equity | $38,743,500 | 1,884 |
| Average total loans | $148,247,500 | 2,646 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8110% | 4,461 |
| Cost of funding earning assets | 0.4673% | 3,003 |
| Net interest margin | 3.3437% | 4,423 |
| Noninterest income to average assets | 0.9347% | 1,402 |
| Noninterest expense to average assets | 2.8026% | 3,473 |
| Loan and lease loss provision to assets | 0.0443% | 3,685 |
| Net operating income to assets | 1.1675% | 1,684 |
| Return on assets (ROA) | 1.2094% | 1,611 |
| Pretax return on assets | 1.2318% | 2,520 |
| Return on Equity (ROE) | 11.4468% | 1,576 |
| Retained earnings to average equity (ytd only) | 6.7301% | 1,527 |
| Net charge-offs to loans | 0.1472% | 2,561 |
| Credit loss provision to net charge-offs | 71.0900% | 3,049 |
| Earnings coverage of net charge-offs (x) | 19.8104% | 1,754 |
| Efficiency ratio | 69.4422% | 3,634 |
| Assets per employee ($millions) | 4.0286% | 3,889 |
| Cash dividends to net income (ytd only)* | 41.2052% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,860 |
| Loan loss allowance to noncurrent loans | 95.1415% | 3,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 4,134 |
| Noncurrent loans to loans | 1.0922% | 2,644 |
| Net loans and leases to total assets | 42.5248% | 5,577 |
| Net loans and leases to deposits | 53.3112% | 5,381 |
| Net loans and leases to core deposits | 55.3892% | 5,420 |
| Total domestic deposits to total assets | 79.7671% | 5,075 |
| Equity capital to assets | 10.9245% | 2,979 |
| Core capital (leverage) ratio | 10.2705% | 3,214 |
| Tier 1 risk-based capital ratio | 22.2798% | 1,184 |
| Total risk-based capital ratio | 23.2410% | 1,203 |
| Memoranda: | ||
| Average total assets | $338,930,200 | 1,920 |
| Average earning assets | $314,352,800 | 1,909 |
| Average equity | $35,809,200 | 1,957 |
| Average total loans | $143,302,200 | 2,665 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 4,342 |
| Cost of funding earning assets | 0.4709% | 3,045 |
| Net interest margin | 3.3864% | 4,289 |
| Noninterest income to average assets | 0.9688% | 1,312 |
| Noninterest expense to average assets | 2.7394% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1813% | 1,748 |
| Return on assets (ROA) | 1.2307% | 1,637 |
| Pretax return on assets | 1.4245% | 1,909 |
| Return on Equity (ROE) | 11.7507% | 1,543 |
| Retained earnings to average equity (ytd only) | 8.5817% | 1,131 |
| Net charge-offs to loans | 0.1607% | 2,197 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 20.2109% | 1,745 |
| Efficiency ratio | 66.7084% | 4,096 |
| Assets per employee ($millions) | 3.8035% | 4,283 |
| Cash dividends to net income (ytd only)* | 26.9688% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9966% | 5,236 |
| Loan loss allowance to noncurrent loans | 117.8835% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 4,799 |
| Noncurrent loans to loans | 0.8454% | 3,459 |
| Net loans and leases to total assets | 41.2447% | 5,732 |
| Net loans and leases to deposits | 51.6710% | 5,552 |
| Net loans and leases to core deposits | 53.7933% | 5,581 |
| Total domestic deposits to total assets | 79.8219% | 5,139 |
| Equity capital to assets | 10.7698% | 3,218 |
| Core capital (leverage) ratio | 10.3073% | 3,283 |
| Tier 1 risk-based capital ratio | 22.6214% | 1,172 |
| Total risk-based capital ratio | 23.5267% | 1,210 |
| Memoranda: | ||
| Average total assets | $337,047,500 | 1,939 |
| Average earning assets | $312,303,750 | 1,928 |
| Average equity | $35,299,250 | 1,989 |
| Average total loans | $141,908,000 | 2,700 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 4,316 |
| Cost of funding earning assets | 0.4636% | 3,176 |
| Net interest margin | 3.3903% | 4,218 |
| Noninterest income to average assets | 0.9401% | 1,366 |
| Noninterest expense to average assets | 2.7956% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1142% | 1,880 |
| Return on assets (ROA) | 1.1897% | 1,692 |
| Pretax return on assets | 1.3664% | 2,015 |
| Return on Equity (ROE) | 11.4722% | 1,581 |
| Retained earnings to average equity (ytd only) | 6.6281% | 1,963 |
| Net charge-offs to loans | 0.0935% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 32.3788% | 1,198 |
| Efficiency ratio | 68.6012% | 3,900 |
| Assets per employee ($millions) | 4.0487% | 3,738 |
| Cash dividends to net income (ytd only)* | 42.2245% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 5,007 |
| Loan loss allowance to noncurrent loans | 109.2842% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 4,675 |
| Noncurrent loans to loans | 0.9838% | 3,265 |
| Net loans and leases to total assets | 40.7503% | 5,763 |
| Net loans and leases to deposits | 51.0001% | 5,558 |
| Net loans and leases to core deposits | 53.3797% | 5,591 |
| Total domestic deposits to total assets | 79.9023% | 5,265 |
| Equity capital to assets | 10.4277% | 3,530 |
| Core capital (leverage) ratio | 10.0267% | 3,576 |
| Tier 1 risk-based capital ratio | 22.1467% | 1,236 |
| Total risk-based capital ratio | 23.1277% | 1,252 |
| Memoranda: | ||
| Average total assets | $334,024,330 | 1,954 |
| Average earning assets | $308,878,330 | 1,952 |
| Average equity | $34,640,330 | 2,011 |
| Average total loans | $141,146,670 | 2,709 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 4,258 |
| Cost of funding earning assets | 0.4463% | 3,468 |
| Net interest margin | 3.4116% | 4,068 |
| Noninterest income to average assets | 0.9225% | 1,325 |
| Noninterest expense to average assets | 2.8629% | 3,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0878% | 1,860 |
| Return on assets (ROA) | 1.0889% | 1,922 |
| Pretax return on assets | 1.2124% | 2,434 |
| Return on Equity (ROE) | 10.5305% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.5305% | 830 |
| Net charge-offs to loans | 0.1086% | 2,092 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 26.0526% | 1,134 |
| Efficiency ratio | 70.2703% | 3,790 |
| Assets per employee ($millions) | 3.6603% | 4,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1117% | 5,073 |
| Loan loss allowance to noncurrent loans | 98.3093% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 4,578 |
| Noncurrent loans to loans | 1.1308% | 3,162 |
| Net loans and leases to total assets | 42.3931% | 5,633 |
| Net loans and leases to deposits | 50.5180% | 5,555 |
| Net loans and leases to core deposits | 52.3831% | 5,597 |
| Total domestic deposits to total assets | 83.9169% | 4,303 |
| Equity capital to assets | 10.5653% | 3,186 |
| Core capital (leverage) ratio | 10.6480% | 2,764 |
| Tier 1 risk-based capital ratio | 23.2680% | 1,104 |
| Total risk-based capital ratio | 24.3269% | 1,123 |
| Memoranda: | ||
| Average total assets | $326,942,000 | 1,999 |
| Average earning assets | $302,030,500 | 2,000 |
| Average equity | $33,806,500 | 2,045 |
| Average total loans | $140,005,000 | 2,739 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 4,271 |
| Cost of funding earning assets | 0.4692% | 3,923 |
| Net interest margin | 3.4832% | 3,972 |
| Noninterest income to average assets | 1.0900% | 1,185 |
| Noninterest expense to average assets | 2.8728% | 3,452 |
| Loan and lease loss provision to assets | 0.0276% | 4,570 |
| Net operating income to assets | 1.1742% | 1,669 |
| Return on assets (ROA) | 1.2054% | 1,618 |
| Pretax return on assets | 1.4396% | 1,653 |
| Return on Equity (ROE) | 11.5175% | 1,587 |
| Retained earnings to average equity (ytd only) | 6.7310% | 1,564 |
| Net charge-offs to loans | 0.0592% | 4,392 |
| Credit loss provision to net charge-offs | 105.8824% | 2,280 |
| Earnings coverage of net charge-offs (x) | 54.8118% | 741 |
| Efficiency ratio | 66.7642% | 4,413 |
| Assets per employee ($millions) | 3.5267% | 4,848 |
| Cash dividends to net income (ytd only)* | 41.5584% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,872 |
| Loan loss allowance to noncurrent loans | 94.9233% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 4,546 |
| Noncurrent loans to loans | 1.2206% | 3,103 |
| Net loans and leases to total assets | 42.2791% | 5,808 |
| Net loans and leases to deposits | 50.4429% | 5,737 |
| Net loans and leases to core deposits | 52.4810% | 5,757 |
| Total domestic deposits to total assets | 83.8158% | 4,236 |
| Equity capital to assets | 10.1116% | 3,620 |
| Core capital (leverage) ratio | 10.1929% | 3,300 |
| Tier 1 risk-based capital ratio | 22.7814% | 1,133 |
| Total risk-based capital ratio | 23.8736% | 1,135 |
| Memoranda: | ||
| Average total assets | $325,776,800 | 1,978 |
| Average earning assets | $300,497,000 | 1,977 |
| Average equity | $34,096,000 | 2,016 |
| Average total loans | $143,647,600 | 2,646 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 4,328 |
| Cost of funding earning assets | 0.4655% | 4,110 |
| Net interest margin | 3.4812% | 3,962 |
| Noninterest income to average assets | 1.1117% | 1,187 |
| Noninterest expense to average assets | 2.8235% | 3,580 |
| Loan and lease loss provision to assets | 0.0368% | 4,277 |
| Net operating income to assets | 1.2118% | 1,593 |
| Return on assets (ROA) | 1.2278% | 1,611 |
| Pretax return on assets | 1.4809% | 1,664 |
| Return on Equity (ROE) | 11.6332% | 1,606 |
| Retained earnings to average equity (ytd only) | 8.4876% | 1,224 |
| Net charge-offs to loans | 0.0460% | 4,252 |
| Credit loss provision to net charge-offs | 180.0000% | 1,344 |
| Earnings coverage of net charge-offs (x) | 73.2944% | 642 |
| Efficiency ratio | 65.3297% | 4,602 |
| Assets per employee ($millions) | 3.3861% | 5,091 |
| Cash dividends to net income (ytd only)* | 27.0396% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,052 |
| Loan loss allowance to noncurrent loans | 99.2154% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 4,927 |
| Noncurrent loans to loans | 1.1729% | 3,473 |
| Net loans and leases to total assets | 42.0759% | 5,897 |
| Net loans and leases to deposits | 50.6528% | 5,791 |
| Net loans and leases to core deposits | 52.6787% | 5,852 |
| Total domestic deposits to total assets | 83.0672% | 4,547 |
| Equity capital to assets | 10.2094% | 3,630 |
| Core capital (leverage) ratio | 10.2503% | 3,328 |
| Tier 1 risk-based capital ratio | 22.4831% | 1,226 |
| Total risk-based capital ratio | 23.5849% | 1,229 |
| Memoranda: | ||
| Average total assets | $326,106,500 | 1,983 |
| Average earning assets | $300,734,500 | 1,978 |
| Average equity | $34,418,000 | 2,015 |
| Average total loans | $144,863,000 | 2,648 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9747% | 4,209 |
| Cost of funding earning assets | 0.4551% | 4,376 |
| Net interest margin | 3.5196% | 3,699 |
| Noninterest income to average assets | 1.0759% | 1,323 |
| Noninterest expense to average assets | 2.8218% | 3,600 |
| Loan and lease loss provision to assets | 0.0561% | 3,881 |
| Net operating income to assets | 1.1925% | 1,609 |
| Return on assets (ROA) | 1.2166% | 1,650 |
| Pretax return on assets | 1.4713% | 1,710 |
| Return on Equity (ROE) | 11.3996% | 1,684 |
| Retained earnings to average equity (ytd only) | 6.7057% | 2,035 |
| Net charge-offs to loans | 0.0589% | 3,859 |
| Credit loss provision to net charge-offs | 211.6279% | 1,144 |
| Earnings coverage of net charge-offs (x) | 56.4884% | 736 |
| Efficiency ratio | 65.3149% | 4,667 |
| Assets per employee ($millions) | 3.3273% | 5,218 |
| Cash dividends to net income (ytd only)* | 41.1765% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 5,203 |
| Loan loss allowance to noncurrent loans | 97.0035% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 4,931 |
| Noncurrent loans to loans | 1.1931% | 3,566 |
| Net loans and leases to total assets | 44.1443% | 5,729 |
| Net loans and leases to deposits | 51.5140% | 5,726 |
| Net loans and leases to core deposits | 53.6096% | 5,779 |
| Total domestic deposits to total assets | 85.6939% | 3,535 |
| Equity capital to assets | 10.3295% | 3,515 |
| Core capital (leverage) ratio | 9.9417% | 3,599 |
| Tier 1 risk-based capital ratio | 21.7103% | 1,351 |
| Total risk-based capital ratio | 22.8095% | 1,344 |
| Memoranda: | ||
| Average total assets | $324,195,000 | 2,001 |
| Average earning assets | $298,839,000 | 1,992 |
| Average equity | $34,597,670 | 2,008 |
| Average total loans | $146,061,000 | 2,631 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9389% | 4,334 |
| Cost of funding earning assets | 0.4346% | 4,761 |
| Net interest margin | 3.5044% | 3,675 |
| Noninterest income to average assets | 1.0864% | 1,249 |
| Noninterest expense to average assets | 2.7325% | 3,937 |
| Loan and lease loss provision to assets | 0.1102% | 2,857 |
| Net operating income to assets | 1.2113% | 1,497 |
| Return on assets (ROA) | 1.2113% | 1,607 |
| Pretax return on assets | 1.4734% | 1,638 |
| Return on Equity (ROE) | 11.1753% | 1,651 |
| Retained earnings to average equity (ytd only) | 11.1753% | 835 |
| Net charge-offs to loans | 0.1408% | 2,560 |
| Credit loss provision to net charge-offs | 173.0769% | 1,219 |
| Earnings coverage of net charge-offs (x) | 24.8654% | 1,064 |
| Efficiency ratio | 63.3087% | 5,116 |
| Assets per employee ($millions) | 3.4200% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,535 |
| Loan loss allowance to noncurrent loans | 94.7460% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 4,929 |
| Noncurrent loans to loans | 1.1790% | 3,806 |
| Net loans and leases to total assets | 44.2436% | 5,631 |
| Net loans and leases to deposits | 52.0468% | 5,614 |
| Net loans and leases to core deposits | 54.1259% | 5,654 |
| Total domestic deposits to total assets | 85.0074% | 4,035 |
| Equity capital to assets | 10.8725% | 3,110 |
| Core capital (leverage) ratio | 10.0853% | 3,287 |
| Tier 1 risk-based capital ratio | 21.5928% | 1,405 |
| Total risk-based capital ratio | 22.6826% | 1,413 |
| Memoranda: | ||
| Average total assets | $326,584,500 | 2,019 |
| Average earning assets | $300,995,500 | 2,005 |
| Average equity | $35,399,500 | 1,990 |
| Average total loans | $147,764,000 | 2,619 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 4,546 |
| Cost of funding earning assets | 0.6240% | 4,146 |
| Net interest margin | 3.5871% | 4,143 |
| Noninterest income to average assets | 1.0522% | 1,399 |
| Noninterest expense to average assets | 2.7956% | 4,034 |
| Loan and lease loss provision to assets | 0.1515% | 3,720 |
| Net operating income to assets | 1.1991% | 1,608 |
| Return on assets (ROA) | 1.2840% | 1,502 |
| Pretax return on assets | 1.4976% | 1,682 |
| Return on Equity (ROE) | 12.5634% | 1,344 |
| Retained earnings to average equity (ytd only) | 7.7787% | 1,199 |
| Net charge-offs to loans | 0.2648% | 3,352 |
| Credit loss provision to net charge-offs | 126.2626% | 2,235 |
| Earnings coverage of net charge-offs (x) | 12.9217% | 1,886 |
| Efficiency ratio | 64.3265% | 4,826 |
| Assets per employee ($millions) | 3.4558% | 5,097 |
| Cash dividends to net income (ytd only)* | 38.0840% | 2,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 5,637 |
| Loan loss allowance to noncurrent loans | 89.2539% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6228% | 4,914 |
| Noncurrent loans to loans | 1.2084% | 3,835 |
| Net loans and leases to total assets | 45.2590% | 5,696 |
| Net loans and leases to deposits | 53.3216% | 5,714 |
| Net loans and leases to core deposits | 55.7973% | 5,727 |
| Total domestic deposits to total assets | 84.8793% | 3,914 |
| Equity capital to assets | 10.8057% | 3,168 |
| Core capital (leverage) ratio | 9.3856% | 4,273 |
| Tier 1 risk-based capital ratio | 20.4777% | 1,566 |
| Total risk-based capital ratio | 21.5273% | 1,578 |
| Memoranda: | ||
| Average total assets | $330,059,000 | 1,953 |
| Average earning assets | $303,058,800 | 1,953 |
| Average equity | $33,733,000 | 2,047 |
| Average total loans | $149,573,200 | 2,582 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 4,696 |
| Cost of funding earning assets | 0.6324% | 4,343 |
| Net interest margin | 3.6005% | 4,236 |
| Noninterest income to average assets | 1.0232% | 1,448 |
| Noninterest expense to average assets | 2.7289% | 4,254 |
| Loan and lease loss provision to assets | 0.1811% | 3,326 |
| Net operating income to assets | 1.2174% | 1,678 |
| Return on assets (ROA) | 1.3302% | 1,508 |
| Pretax return on assets | 1.5479% | 1,730 |
| Return on Equity (ROE) | 13.2009% | 1,289 |
| Retained earnings to average equity (ytd only) | 10.0065% | 911 |
| Net charge-offs to loans | 0.3195% | 2,846 |
| Credit loss provision to net charge-offs | 125.3482% | 2,298 |
| Earnings coverage of net charge-offs (x) | 11.0614% | 2,117 |
| Efficiency ratio | 63.0708% | 4,966 |
| Assets per employee ($millions) | 3.5195% | 4,934 |
| Cash dividends to net income (ytd only)* | 24.1984% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0506% | 5,893 |
| Loan loss allowance to noncurrent loans | 101.7926% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 5,267 |
| Noncurrent loans to loans | 1.0321% | 4,384 |
| Net loans and leases to total assets | 44.3236% | 5,941 |
| Net loans and leases to deposits | 52.2478% | 5,959 |
| Net loans and leases to core deposits | 54.5267% | 6,004 |
| Total domestic deposits to total assets | 84.8334% | 3,823 |
| Equity capital to assets | 10.4720% | 3,879 |
| Core capital (leverage) ratio | 9.4164% | 4,404 |
| Tier 1 risk-based capital ratio | 20.4017% | 1,655 |
| Total risk-based capital ratio | 21.4392% | 1,679 |
| Memoranda: | ||
| Average total assets | $331,362,250 | 1,960 |
| Average earning assets | $304,023,250 | 1,964 |
| Average equity | $33,390,750 | 2,079 |
| Average total loans | $149,810,250 | 2,609 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 4,646 |
| Cost of funding earning assets | 0.6473% | 4,463 |
| Net interest margin | 3.6331% | 4,117 |
| Noninterest income to average assets | 1.0748% | 1,240 |
| Noninterest expense to average assets | 2.7631% | 4,165 |
| Loan and lease loss provision to assets | 0.1823% | 3,279 |
| Net operating income to assets | 1.1688% | 1,820 |
| Return on assets (ROA) | 1.3093% | 1,566 |
| Pretax return on assets | 1.6294% | 1,461 |
| Return on Equity (ROE) | 13.1696% | 1,320 |
| Retained earnings to average equity (ytd only) | 8.2806% | 1,533 |
| Net charge-offs to loans | 0.3577% | 2,588 |
| Credit loss provision to net charge-offs | 112.3596% | 2,427 |
| Earnings coverage of net charge-offs (x) | 10.0861% | 2,097 |
| Efficiency ratio | 62.8090% | 5,115 |
| Assets per employee ($millions) | 3.6195% | 4,715 |
| Cash dividends to net income (ytd only)* | 37.1230% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 5,950 |
| Loan loss allowance to noncurrent loans | 86.0191% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6916% | 5,051 |
| Noncurrent loans to loans | 1.2225% | 4,100 |
| Net loans and leases to total assets | 43.7664% | 6,039 |
| Net loans and leases to deposits | 51.9519% | 6,030 |
| Net loans and leases to core deposits | 53.7402% | 6,108 |
| Total domestic deposits to total assets | 84.2441% | 4,214 |
| Equity capital to assets | 10.1768% | 4,084 |
| Core capital (leverage) ratio | 8.9703% | 4,954 |
| Tier 1 risk-based capital ratio | 19.6556% | 1,799 |
| Total risk-based capital ratio | 20.6572% | 1,844 |
| Memoranda: | ||
| Average total assets | $329,191,670 | 1,972 |
| Average earning assets | $301,232,670 | 1,973 |
| Average equity | $32,727,000 | 2,101 |
| Average total loans | $149,297,670 | 2,628 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 4,436 |
| Cost of funding earning assets | 0.6640% | 4,592 |
| Net interest margin | 3.7101% | 3,783 |
| Noninterest income to average assets | 0.9687% | 1,513 |
| Noninterest expense to average assets | 2.8137% | 3,976 |
| Loan and lease loss provision to assets | 0.1823% | 3,149 |
| Net operating income to assets | 1.1413% | 1,912 |
| Return on assets (ROA) | 1.1413% | 2,097 |
| Pretax return on assets | 1.3613% | 2,333 |
| Return on Equity (ROE) | 11.6175% | 1,802 |
| Retained earnings to average equity (ytd only) | 11.6175% | 901 |
| Net charge-offs to loans | 0.5189% | 1,794 |
| Credit loss provision to net charge-offs | 76.5306% | 2,792 |
| Earnings coverage of net charge-offs (x) | 6.4796% | 2,203 |
| Efficiency ratio | 64.5746% | 4,822 |
| Assets per employee ($millions) | 3.5234% | 5,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9750% | 6,336 |
| Loan loss allowance to noncurrent loans | 70.0579% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.9130% | 4,693 |
| Noncurrent loans to loans | 1.3917% | 4,022 |
| Net loans and leases to total assets | 44.5565% | 5,953 |
| Net loans and leases to deposits | 52.5348% | 5,941 |
| Net loans and leases to core deposits | 54.2522% | 6,039 |
| Total domestic deposits to total assets | 84.8133% | 4,118 |
| Equity capital to assets | 9.9033% | 4,251 |
| Core capital (leverage) ratio | 9.1363% | 4,626 |
| Tier 1 risk-based capital ratio | 19.2157% | 1,929 |
| Total risk-based capital ratio | 20.1564% | 1,980 |
| Memoranda: | ||
| Average total assets | $329,099,500 | 1,977 |
| Average earning assets | $300,585,000 | 1,977 |
| Average equity | $32,330,500 | 2,128 |
| Average total loans | $151,102,500 | 2,615 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 4,490 |
| Cost of funding earning assets | 0.7862% | 4,966 |
| Net interest margin | 3.8559% | 3,538 |
| Noninterest income to average assets | 1.0664% | 1,178 |
| Noninterest expense to average assets | 3.0132% | 3,544 |
| Loan and lease loss provision to assets | 0.1491% | 4,751 |
| Net operating income to assets | 1.1881% | 1,534 |
| Return on assets (ROA) | 1.2878% | 1,380 |
| Pretax return on assets | 1.5857% | 1,239 |
| Return on Equity (ROE) | 13.7903% | 984 |
| Retained earnings to average equity (ytd only) | 8.3985% | 953 |
| Net charge-offs to loans | 0.2537% | 4,188 |
| Credit loss provision to net charge-offs | 117.7945% | 2,730 |
| Earnings coverage of net charge-offs (x) | 12.7318% | 1,596 |
| Efficiency ratio | 65.1506% | 4,927 |
| Assets per employee ($millions) | 3.5934% | 4,783 |
| Cash dividends to net income (ytd only)* | 39.0983% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,310 |
| Loan loss allowance to noncurrent loans | 57.6538% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 4,467 |
| Noncurrent loans to loans | 1.6974% | 3,617 |
| Net loans and leases to total assets | 46.3860% | 5,984 |
| Net loans and leases to deposits | 54.7536% | 5,999 |
| Net loans and leases to core deposits | 57.3550% | 6,051 |
| Total domestic deposits to total assets | 84.7178% | 3,994 |
| Equity capital to assets | 9.7436% | 4,522 |
| Core capital (leverage) ratio | 8.7318% | 5,204 |
| Tier 1 risk-based capital ratio | 18.2541% | 2,119 |
| Total risk-based capital ratio | 19.2190% | 2,175 |
| Memoranda: | ||
| Average total assets | $315,182,200 | 2,040 |
| Average earning assets | $290,879,400 | 2,014 |
| Average equity | $29,433,800 | 2,233 |
| Average total loans | $157,276,800 | 2,537 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 4,427 |
| Cost of funding earning assets | 0.8107% | 5,079 |
| Net interest margin | 3.8966% | 3,397 |
| Noninterest income to average assets | 1.0744% | 1,165 |
| Noninterest expense to average assets | 2.9162% | 3,859 |
| Loan and lease loss provision to assets | 0.1153% | 4,990 |
| Net operating income to assets | 1.3170% | 1,334 |
| Return on assets (ROA) | 1.3703% | 1,303 |
| Pretax return on assets | 1.7115% | 1,116 |
| Return on Equity (ROE) | 14.8422% | 860 |
| Retained earnings to average equity (ytd only) | 11.1976% | 597 |
| Net charge-offs to loans | 0.2712% | 3,745 |
| Credit loss provision to net charge-offs | 83.8509% | 4,010 |
| Earnings coverage of net charge-offs (x) | 12.8013% | 1,669 |
| Efficiency ratio | 62.3596% | 5,358 |
| Assets per employee ($millions) | 3.3934% | 5,264 |
| Cash dividends to net income (ytd only)* | 24.5559% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 6,675 |
| Loan loss allowance to noncurrent loans | 41.9257% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 4,455 |
| Noncurrent loans to loans | 2.0833% | 3,264 |
| Net loans and leases to total assets | 47.9365% | 5,962 |
| Net loans and leases to deposits | 57.2310% | 5,916 |
| Net loans and leases to core deposits | 59.8312% | 6,006 |
| Total domestic deposits to total assets | 83.7597% | 4,342 |
| Equity capital to assets | 9.7426% | 4,718 |
| Core capital (leverage) ratio | 8.8270% | 5,215 |
| Tier 1 risk-based capital ratio | 18.0248% | 2,241 |
| Total risk-based capital ratio | 18.8974% | 2,349 |
| Memoranda: | ||
| Average total assets | $312,229,000 | 2,062 |
| Average earning assets | $288,623,000 | 2,036 |
| Average equity | $28,827,000 | 2,282 |
| Average total loans | $158,301,250 | 2,544 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 4,206 |
| Cost of funding earning assets | 0.8402% | 5,128 |
| Net interest margin | 3.9314% | 3,164 |
| Noninterest income to average assets | 1.0516% | 1,189 |
| Noninterest expense to average assets | 2.9592% | 3,795 |
| Loan and lease loss provision to assets | 0.1170% | 4,811 |
| Net operating income to assets | 1.2916% | 1,342 |
| Return on assets (ROA) | 1.3727% | 1,212 |
| Pretax return on assets | 1.7139% | 1,027 |
| Return on Equity (ROE) | 15.1633% | 773 |
| Retained earnings to average equity (ytd only) | 9.5058% | 958 |
| Net charge-offs to loans | 0.0631% | 5,018 |
| Credit loss provision to net charge-offs | 360.0000% | 849 |
| Earnings coverage of net charge-offs (x) | 53.2200% | 594 |
| Efficiency ratio | 63.1134% | 5,383 |
| Assets per employee ($millions) | 3.4434% | 5,094 |
| Cash dividends to net income (ytd only)* | 37.3106% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9856% | 6,390 |
| Loan loss allowance to noncurrent loans | 45.5156% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 4,512 |
| Noncurrent loans to loans | 2.1655% | 3,264 |
| Net loans and leases to total assets | 48.8737% | 5,966 |
| Net loans and leases to deposits | 57.5831% | 5,980 |
| Net loans and leases to core deposits | 59.1867% | 6,171 |
| Total domestic deposits to total assets | 84.8750% | 3,933 |
| Equity capital to assets | 9.1794% | 5,309 |
| Core capital (leverage) ratio | 8.7136% | 5,202 |
| Tier 1 risk-based capital ratio | 17.7201% | 2,259 |
| Total risk-based capital ratio | 18.7209% | 2,322 |
| Memoranda: | ||
| Average total assets | $307,717,330 | 2,096 |
| Average earning assets | $284,683,000 | 2,075 |
| Average equity | $27,856,670 | 2,324 |
| Average total loans | $158,556,330 | 2,558 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 4,003 |
| Cost of funding earning assets | 0.8757% | 5,088 |
| Net interest margin | 3.9370% | 2,971 |
| Noninterest income to average assets | 1.0496% | 1,196 |
| Noninterest expense to average assets | 3.1739% | 2,989 |
| Loan and lease loss provision to assets | 0.1194% | 4,520 |
| Net operating income to assets | 1.1646% | 1,610 |
| Return on assets (ROA) | 1.1756% | 1,635 |
| Pretax return on assets | 1.4145% | 1,685 |
| Return on Equity (ROE) | 13.0838% | 1,174 |
| Retained earnings to average equity (ytd only) | 13.0838% | 576 |
| Net charge-offs to loans | 0.0806% | 4,135 |
| Credit loss provision to net charge-offs | 281.2500% | 1,129 |
| Earnings coverage of net charge-offs (x) | 35.8125% | 733 |
| Efficiency ratio | 67.6088% | 4,740 |
| Assets per employee ($millions) | 3.2063% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9444% | 6,568 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 4,742 |
| Noncurrent loans to loans | 1.8889% | 3,711 |
| Net loans and leases to total assets | 50.6350% | 5,760 |
| Net loans and leases to deposits | 58.1456% | 5,908 |
| Net loans and leases to core deposits | 59.7217% | 6,117 |
| Total domestic deposits to total assets | 87.0831% | 2,902 |
| Equity capital to assets | 9.0554% | 5,121 |
| Core capital (leverage) ratio | 9.1463% | 4,378 |
| Tier 1 risk-based capital ratio | 17.5528% | 2,272 |
| Total risk-based capital ratio | 18.5114% | 2,362 |
| Memoranda: | ||
| Average total assets | $301,457,000 | 2,155 |
| Average earning assets | $279,094,500 | 2,120 |
| Average equity | $27,087,000 | 2,369 |
| Average total loans | $158,799,500 | 2,580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 4,017 |
| Cost of funding earning assets | 1.0794% | 5,260 |
| Net interest margin | 4.0380% | 2,849 |
| Noninterest income to average assets | 1.0963% | 1,240 |
| Noninterest expense to average assets | 3.0498% | 3,658 |
| Loan and lease loss provision to assets | 0.1158% | 6,001 |
| Net operating income to assets | 1.2842% | 1,215 |
| Return on assets (ROA) | 1.3370% | 1,157 |
| Pretax return on assets | 1.7149% | 913 |
| Return on Equity (ROE) | 14.3241% | 826 |
| Retained earnings to average equity (ytd only) | 7.1169% | 1,268 |
| Net charge-offs to loans | 0.1829% | 5,210 |
| Credit loss provision to net charge-offs | 114.1869% | 3,804 |
| Earnings coverage of net charge-offs (x) | 17.3841% | 1,154 |
| Efficiency ratio | 63.3686% | 5,451 |
| Assets per employee ($millions) | 3.1395% | 5,796 |
| Cash dividends to net income (ytd only)* | 50.3150% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,748 |
| Loan loss allowance to noncurrent loans | 52.8497% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 4,639 |
| Noncurrent loans to loans | 1.6861% | 3,971 |
| Net loans and leases to total assets | 53.8201% | 5,656 |
| Net loans and leases to deposits | 62.4992% | 5,790 |
| Net loans and leases to core deposits | 64.3980% | 6,021 |
| Total domestic deposits to total assets | 86.1133% | 3,300 |
| Equity capital to assets | 8.9123% | 5,269 |
| Core capital (leverage) ratio | 8.8722% | 4,746 |
| Tier 1 risk-based capital ratio | 16.6491% | 2,480 |
| Total risk-based capital ratio | 17.5556% | 2,569 |
| Memoranda: | ||
| Average total assets | $284,970,800 | 2,243 |
| Average earning assets | $262,281,400 | 2,234 |
| Average equity | $26,598,600 | 2,407 |
| Average total loans | $158,035,400 | 2,643 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1640% | 4,017 |
| Cost of funding earning assets | 1.1088% | 5,375 |
| Net interest margin | 4.0552% | 2,832 |
| Noninterest income to average assets | 1.0943% | 1,185 |
| Noninterest expense to average assets | 3.0458% | 3,591 |
| Loan and lease loss provision to assets | 0.1275% | 5,749 |
| Net operating income to assets | 1.2795% | 1,383 |
| Return on assets (ROA) | 1.3586% | 1,282 |
| Pretax return on assets | 1.7500% | 1,012 |
| Return on Equity (ROE) | 14.3862% | 957 |
| Retained earnings to average equity (ytd only) | 10.5472% | 674 |
| Net charge-offs to loans | 0.1338% | 5,228 |
| Credit loss provision to net charge-offs | 170.8861% | 2,173 |
| Earnings coverage of net charge-offs (x) | 23.8103% | 1,048 |
| Efficiency ratio | 63.1682% | 5,411 |
| Assets per employee ($millions) | 3.1646% | 5,766 |
| Cash dividends to net income (ytd only)* | 26.6851% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 6,489 |
| Loan loss allowance to noncurrent loans | 69.5592% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 0.9347% | 5,227 |
| Noncurrent loans to loans | 1.4050% | 4,509 |
| Net loans and leases to total assets | 53.3275% | 5,941 |
| Net loans and leases to deposits | 59.7086% | 6,334 |
| Net loans and leases to core deposits | 61.6024% | 6,491 |
| Total domestic deposits to total assets | 89.3129% | 1,224 |
| Equity capital to assets | 9.9343% | 4,243 |
| Core capital (leverage) ratio | 9.1960% | 4,380 |
| Tier 1 risk-based capital ratio | 17.4314% | 2,192 |
| Total risk-based capital ratio | 18.4220% | 2,244 |
| Memoranda: | ||
| Average total assets | $282,436,250 | 2,300 |
| Average earning assets | $259,610,500 | 2,293 |
| Average equity | $26,673,000 | 2,443 |
| Average total loans | $157,480,250 | 2,692 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 4,206 |
| Cost of funding earning assets | 1.1500% | 5,405 |
| Net interest margin | 3.9971% | 3,027 |
| Noninterest income to average assets | 1.0943% | 1,109 |
| Noninterest expense to average assets | 2.9235% | 3,990 |
| Loan and lease loss provision to assets | 0.1278% | 5,603 |
| Net operating income to assets | 1.3155% | 1,267 |
| Return on assets (ROA) | 1.4330% | 1,101 |
| Pretax return on assets | 1.8633% | 791 |
| Return on Equity (ROE) | 15.4443% | 771 |
| Retained earnings to average equity (ytd only) | 9.5666% | 950 |
| Net charge-offs to loans | 0.1926% | 4,456 |
| Credit loss provision to net charge-offs | 117.6471% | 3,451 |
| Earnings coverage of net charge-offs (x) | 16.9216% | 1,381 |
| Efficiency ratio | 61.3928% | 5,794 |
| Assets per employee ($millions) | 3.1079% | 5,900 |
| Cash dividends to net income (ytd only)* | 38.0575% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,776 |
| Loan loss allowance to noncurrent loans | 68.2762% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.8900% | 5,336 |
| Noncurrent loans to loans | 1.3098% | 4,763 |
| Net loans and leases to total assets | 55.4049% | 5,799 |
| Net loans and leases to deposits | 61.7108% | 6,257 |
| Net loans and leases to core deposits | 63.3932% | 6,455 |
| Total domestic deposits to total assets | 89.7815% | 1,034 |
| Equity capital to assets | 9.5517% | 4,632 |
| Core capital (leverage) ratio | 8.9795% | 4,635 |
| Tier 1 risk-based capital ratio | 16.3055% | 2,552 |
| Total risk-based capital ratio | 17.2150% | 2,652 |
| Memoranda: | ||
| Average total assets | $281,645,000 | 2,320 |
| Average earning assets | $258,438,000 | 2,321 |
| Average equity | $26,132,670 | 2,480 |
| Average total loans | $158,846,670 | 2,712 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0930% | 4,566 |
| Cost of funding earning assets | 1.1500% | 5,659 |
| Net interest margin | 3.9430% | 3,137 |
| Noninterest income to average assets | 1.0460% | 1,166 |
| Noninterest expense to average assets | 2.8336% | 4,355 |
| Loan and lease loss provision to assets | 0.1281% | 5,295 |
| Net operating income to assets | 1.3293% | 1,226 |
| Return on assets (ROA) | 1.3293% | 1,299 |
| Pretax return on assets | 1.7050% | 1,050 |
| Return on Equity (ROE) | 14.5415% | 953 |
| Retained earnings to average equity (ytd only) | 14.5415% | 451 |
| Net charge-offs to loans | 0.1332% | 4,158 |
| Credit loss provision to net charge-offs | 169.8113% | 2,144 |
| Earnings coverage of net charge-offs (x) | 24.3019% | 1,024 |
| Efficiency ratio | 60.7197% | 6,053 |
| Assets per employee ($millions) | 3.2527% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8990% | 6,840 |
| Loan loss allowance to noncurrent loans | 65.8954% | 4,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8757% | 5,408 |
| Noncurrent loans to loans | 1.3643% | 4,697 |
| Net loans and leases to total assets | 55.4703% | 5,821 |
| Net loans and leases to deposits | 62.2633% | 6,252 |
| Net loans and leases to core deposits | 64.0697% | 6,445 |
| Total domestic deposits to total assets | 89.0898% | 1,476 |
| Equity capital to assets | 9.2889% | 4,853 |
| Core capital (leverage) ratio | 9.2506% | 4,138 |
| Tier 1 risk-based capital ratio | 16.3085% | 2,523 |
| Total risk-based capital ratio | 17.2269% | 2,614 |
| Memoranda: | ||
| Average total assets | $281,057,500 | 2,388 |
| Average earning assets | $258,079,000 | 2,369 |
| Average equity | $25,692,000 | 2,545 |
| Average total loans | $159,215,000 | 2,767 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5282% | 3,999 |
| Cost of funding earning assets | 1.3883% | 5,981 |
| Net interest margin | 4.1399% | 2,283 |
| Noninterest income to average assets | 1.1888% | 1,089 |
| Noninterest expense to average assets | 3.1687% | 3,481 |
| Loan and lease loss provision to assets | 0.1734% | 5,961 |
| Net operating income to assets | 1.2645% | 1,102 |
| Return on assets (ROA) | 1.3777% | 941 |
| Pretax return on assets | 1.7828% | 657 |
| Return on Equity (ROE) | 15.2990% | 629 |
| Retained earnings to average equity (ytd only) | 6.0776% | 1,323 |
| Net charge-offs to loans | 0.1504% | 5,750 |
| Credit loss provision to net charge-offs | 194.1909% | 2,046 |
| Earnings coverage of net charge-offs (x) | 20.2573% | 1,049 |
| Efficiency ratio | 63.6567% | 5,841 |
| Assets per employee ($millions) | 3.1363% | 5,897 |
| Cash dividends to net income (ytd only)* | 60.2743% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,936 |
| Loan loss allowance to noncurrent loans | 66.5867% | 4,067 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 5,366 |
| Noncurrent loans to loans | 1.3016% | 4,749 |
| Net loans and leases to total assets | 56.8360% | 5,848 |
| Net loans and leases to deposits | 63.6324% | 6,314 |
| Net loans and leases to core deposits | 70.2024% | 6,761 |
| Total domestic deposits to total assets | 89.3194% | 1,319 |
| Equity capital to assets | 8.9915% | 5,163 |
| Core capital (leverage) ratio | 8.9252% | 4,548 |
| Tier 1 risk-based capital ratio | 15.6362% | 2,660 |
| Total risk-based capital ratio | 16.5324% | 2,769 |
| Memoranda: | ||
| Average total assets | $269,862,000 | 2,420 |
| Average earning assets | $246,986,000 | 2,434 |
| Average equity | $24,302,200 | 2,685 |
| Average total loans | $160,287,200 | 2,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 3,994 |
| Cost of funding earning assets | 1.4325% | 6,112 |
| Net interest margin | 4.1442% | 2,233 |
| Noninterest income to average assets | 1.1741% | 1,134 |
| Noninterest expense to average assets | 3.0808% | 3,718 |
| Loan and lease loss provision to assets | 0.1136% | 6,232 |
| Net operating income to assets | 1.3531% | 1,115 |
| Return on assets (ROA) | 1.4467% | 984 |
| Pretax return on assets | 1.8902% | 673 |
| Return on Equity (ROE) | 16.0583% | 647 |
| Retained earnings to average equity (ytd only) | 10.7313% | 506 |
| Net charge-offs to loans | 0.1189% | 5,508 |
| Credit loss provision to net charge-offs | 159.4406% | 2,979 |
| Earnings coverage of net charge-offs (x) | 26.4128% | 1,021 |
| Efficiency ratio | 62.0745% | 6,088 |
| Assets per employee ($millions) | 3.1409% | 5,806 |
| Cash dividends to net income (ytd only)* | 33.1726% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7814% | 7,178 |
| Loan loss allowance to noncurrent loans | 68.5950% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.7759% | 5,580 |
| Noncurrent loans to loans | 1.1391% | 5,041 |
| Net loans and leases to total assets | 58.5264% | 5,807 |
| Net loans and leases to deposits | 66.1686% | 6,295 |
| Net loans and leases to core deposits | 72.9412% | 6,784 |
| Total domestic deposits to total assets | 88.4504% | 1,455 |
| Equity capital to assets | 9.7071% | 4,485 |
| Core capital (leverage) ratio | 9.2559% | 4,254 |
| Tier 1 risk-based capital ratio | 15.8914% | 2,668 |
| Total risk-based capital ratio | 16.7055% | 2,786 |
| Memoranda: | ||
| Average total assets | $267,544,750 | 2,454 |
| Average earning assets | $244,606,250 | 2,471 |
| Average equity | $24,103,250 | 2,734 |
| Average total loans | $160,350,500 | 2,782 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 4,159 |
| Cost of funding earning assets | 1.4868% | 6,193 |
| Net interest margin | 4.0961% | 2,334 |
| Noninterest income to average assets | 1.1227% | 1,252 |
| Noninterest expense to average assets | 3.0380% | 3,927 |
| Loan and lease loss provision to assets | 0.1035% | 6,134 |
| Net operating income to assets | 1.3276% | 1,165 |
| Return on assets (ROA) | 1.4519% | 990 |
| Pretax return on assets | 1.9071% | 686 |
| Return on Equity (ROE) | 16.5489% | 637 |
| Retained earnings to average equity (ytd only) | 10.0268% | 729 |
| Net charge-offs to loans | 0.1182% | 4,979 |
| Credit loss provision to net charge-offs | 145.2632% | 3,185 |
| Earnings coverage of net charge-offs (x) | 25.9263% | 1,105 |
| Efficiency ratio | 62.1891% | 6,224 |
| Assets per employee ($millions) | 2.8639% | 6,483 |
| Cash dividends to net income (ytd only)* | 39.4112% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 7,280 |
| Loan loss allowance to noncurrent loans | 66.6113% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 5,437 |
| Noncurrent loans to loans | 1.1383% | 4,938 |
| Net loans and leases to total assets | 59.7627% | 5,718 |
| Net loans and leases to deposits | 67.7380% | 6,224 |
| Net loans and leases to core deposits | 74.8994% | 6,739 |
| Total domestic deposits to total assets | 88.2263% | 1,658 |
| Equity capital to assets | 9.0767% | 5,205 |
| Core capital (leverage) ratio | 8.7064% | 5,074 |
| Tier 1 risk-based capital ratio | 15.0240% | 3,010 |
| Total risk-based capital ratio | 15.8110% | 3,151 |
| Memoranda: | ||
| Average total assets | $266,686,000 | 2,472 |
| Average earning assets | $244,962,330 | 2,475 |
| Average equity | $23,397,330 | 2,825 |
| Average total loans | $160,688,330 | 2,813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 4,083 |
| Cost of funding earning assets | 1.5465% | 6,252 |
| Net interest margin | 4.0982% | 2,278 |
| Noninterest income to average assets | 1.0302% | 1,404 |
| Noninterest expense to average assets | 2.7582% | 4,743 |
| Loan and lease loss provision to assets | 0.0716% | 6,066 |
| Net operating income to assets | 1.4939% | 949 |
| Return on assets (ROA) | 1.4939% | 1,021 |
| Pretax return on assets | 1.9814% | 685 |
| Return on Equity (ROE) | 17.3218% | 654 |
| Retained earnings to average equity (ytd only) | 17.3218% | 256 |
| Net charge-offs to loans | 0.1014% | 4,163 |
| Credit loss provision to net charge-offs | 117.0732% | 3,333 |
| Earnings coverage of net charge-offs (x) | 33.5854% | 978 |
| Efficiency ratio | 57.3288% | 6,781 |
| Assets per employee ($millions) | 3.2605% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 7,361 |
| Loan loss allowance to noncurrent loans | 78.5330% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 0.7062% | 5,385 |
| Noncurrent loans to loans | 0.9290% | 5,142 |
| Net loans and leases to total assets | 59.3897% | 5,757 |
| Net loans and leases to deposits | 66.3433% | 6,346 |
| Net loans and leases to core deposits | 74.7569% | 6,760 |
| Total domestic deposits to total assets | 89.5187% | 995 |
| Equity capital to assets | 8.7780% | 5,657 |
| Core capital (leverage) ratio | 9.0358% | 4,644 |
| Tier 1 risk-based capital ratio | 16.2963% | 2,581 |
| Total risk-based capital ratio | 17.0838% | 2,688 |
| Memoranda: | ||
| Average total assets | $268,290,500 | 2,479 |
| Average earning assets | $247,526,000 | 2,470 |
| Average equity | $23,138,500 | 2,863 |
| Average total loans | $161,700,500 | 2,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9190% | 5,950 |
| Cost of funding earning assets | 2.1715% | 5,725 |
| Net interest margin | 3.7476% | 4,237 |
| Noninterest income to average assets | 1.1496% | 1,165 |
| Noninterest expense to average assets | 3.2106% | 3,294 |
| Loan and lease loss provision to assets | 0.0769% | 6,436 |
| Net operating income to assets | 1.2051% | 1,752 |
| Return on assets (ROA) | 0.5583% | 4,345 |
| Pretax return on assets | 0.6041% | 4,681 |
| Return on Equity (ROE) | 6.4226% | 3,788 |
| Retained earnings to average equity (ytd only) | -0.0211% | 5,267 |
| Net charge-offs to loans | 0.1605% | 4,590 |
| Credit loss provision to net charge-offs | 81.0811% | 5,879 |
| Earnings coverage of net charge-offs (x) | 14.5869% | 2,027 |
| Efficiency ratio | 69.8772% | 4,378 |
| Assets per employee ($millions) | 2.9263% | 6,230 |
| Cash dividends to net income (ytd only)* | 100.3281% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 7,395 |
| Loan loss allowance to noncurrent loans | 73.9324% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7774% | 4,904 |
| Noncurrent loans to loans | 0.9599% | 4,683 |
| Net loans and leases to total assets | 60.2813% | 5,870 |
| Net loans and leases to deposits | 67.0598% | 6,552 |
| Net loans and leases to core deposits | 81.3984% | 6,504 |
| Total domestic deposits to total assets | 89.8918% | 695 |
| Equity capital to assets | 8.4719% | 6,134 |
| Core capital (leverage) ratio | 8.5917% | 5,395 |
| Tier 1 risk-based capital ratio | 14.9907% | 3,051 |
| Total risk-based capital ratio | 15.7419% | 3,219 |
| Memoranda: | ||
| Average total assets | $272,969,200 | 2,362 |
| Average earning assets | $250,937,000 | 2,365 |
| Average equity | $23,728,800 | 2,759 |
| Average total loans | $161,344,000 | 2,752 |