Home > The Bank of Carbondale > Performance and Condition Ratios
The Bank of Carbondale, Performance and Condition Ratios
| 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 | 2.3732% | 4,472 |
| Cost of funding earning assets | 0.1982% | 2,935 |
| Net interest margin | 2.1750% | 4,471 |
| Noninterest income to average assets | 0.4177% | 2,646 |
| Noninterest expense to average assets | 1.9610% | 3,549 |
| Loan and lease loss provision to assets | -0.2240% | 4,693 |
| Net operating income to assets | 0.4991% | 3,894 |
| Return on assets (ROA) | 0.4991% | 3,849 |
| Pretax return on assets | 0.6806% | 3,624 |
| Return on Equity (ROE) | 4.2472% | 3,975 |
| Retained earnings to average equity (ytd only) | -86.0838% | 4,767 |
| Net charge-offs to loans | -0.2019% | 4,592 |
| Credit loss provision to net charge-offs | 250.8065% | 866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1141% | 864 |
| Assets per employee ($millions) | 7.4687% | 1,631 |
| Cash dividends to net income (ytd only)* | 2,126.8398% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 975 |
| Noncurrent loans to loans | 1.0429% | 800 |
| Net loans and leases to total assets | 44.4699% | 3,798 |
| Net loans and leases to deposits | 49.7361% | 3,820 |
| Net loans and leases to core deposits | 50.6303% | 3,904 |
| Total domestic deposits to total assets | 89.4118% | 1,993 |
| Equity capital to assets | 9.7332% | 1,863 |
| Core capital (leverage) ratio | 6.4111% | 4,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5264% | 2,664 |
| Memoranda: | ||
| Average total assets | $277,713,667 | 2,598 |
| Average earning assets | $255,352,000 | 2,629 |
| Average equity | $32,633,333 | 2,290 |
| Average total loans | $122,803,333 | 2,917 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1951% | 4,535 |
| Cost of funding earning assets | 0.2007% | 2,794 |
| Net interest margin | 1.9944% | 4,520 |
| Noninterest income to average assets | 0.3984% | 2,701 |
| Noninterest expense to average assets | 1.5992% | 4,300 |
| Loan and lease loss provision to assets | -0.4409% | 4,748 |
| Net operating income to assets | 0.9060% | 2,252 |
| Return on assets (ROA) | 0.9060% | 2,251 |
| Pretax return on assets | 1.0718% | 2,229 |
| Return on Equity (ROE) | 7.1267% | 2,998 |
| Retained earnings to average equity (ytd only) | 7.1267% | 1,850 |
| Net charge-offs to loans | -0.3986% | 4,694 |
| Credit loss provision to net charge-offs | 250.8065% | 717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7101% | 2,014 |
| Assets per employee ($millions) | 7.4779% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6885% | 4,406 |
| Loan loss allowance to noncurrent loans | 48.9349% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 716 |
| Noncurrent loans to loans | 1.4069% | 608 |
| Net loans and leases to total assets | 43.1476% | 3,807 |
| Net loans and leases to deposits | 50.5606% | 3,690 |
| Net loans and leases to core deposits | 50.8721% | 3,823 |
| Total domestic deposits to total assets | 85.3383% | 3,458 |
| Equity capital to assets | 12.6734% | 766 |
| Core capital (leverage) ratio | 12.8205% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $282,133,500 | 2,592 |
| Average earning assets | $259,121,500 | 2,614 |
| Average equity | $35,865,000 | 2,222 |
| Average total loans | $124,421,000 | 2,904 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6835% | 4,328 |
| Cost of funding earning assets | 0.1989% | 3,473 |
| Net interest margin | 2.4846% | 4,213 |
| Noninterest income to average assets | 0.6556% | 1,923 |
| Noninterest expense to average assets | 1.6772% | 4,331 |
| Loan and lease loss provision to assets | -0.8567% | 4,828 |
| Net operating income to assets | 1.6279% | 744 |
| Return on assets (ROA) | 0.8607% | 3,219 |
| Pretax return on assets | 1.1631% | 2,781 |
| Return on Equity (ROE) | 6.7973% | 3,569 |
| Retained earnings to average equity (ytd only) | 6.0806% | 2,330 |
| Net charge-offs to loans | 0.0172% | 1,939 |
| Credit loss provision to net charge-offs | -10,260.8696% | 4,229 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 652 |
| Efficiency ratio | 56.7637% | 3,606 |
| Assets per employee ($millions) | 6.8318% | 2,045 |
| Cash dividends to net income (ytd only)* | 10.5441% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,219 |
| Loan loss allowance to noncurrent loans | 57.8038% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8079% | 741 |
| Noncurrent loans to loans | 1.4308% | 649 |
| Net loans and leases to total assets | 44.3926% | 3,814 |
| Net loans and leases to deposits | 51.9930% | 3,741 |
| Net loans and leases to core deposits | 52.3174% | 3,872 |
| Total domestic deposits to total assets | 85.3819% | 3,143 |
| Equity capital to assets | 12.7513% | 976 |
| Core capital (leverage) ratio | 12.3511% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $275,460,000 | 2,568 |
| Average earning assets | $254,890,000 | 2,587 |
| Average equity | $34,881,400 | 2,297 |
| Average total loans | $133,716,600 | 2,806 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5961% | 4,503 |
| Cost of funding earning assets | 0.1942% | 3,674 |
| Net interest margin | 2.4020% | 4,393 |
| Noninterest income to average assets | 0.7354% | 1,710 |
| Noninterest expense to average assets | 1.7241% | 4,293 |
| Loan and lease loss provision to assets | -0.5687% | 4,891 |
| Net operating income to assets | 1.5146% | 1,237 |
| Return on assets (ROA) | 1.2721% | 1,969 |
| Pretax return on assets | 1.5102% | 1,973 |
| Return on Equity (ROE) | 10.0634% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.1021% | 1,659 |
| Net charge-offs to loans | 0.0187% | 1,684 |
| Credit loss provision to net charge-offs | -6,157.8947% | 4,163 |
| Earnings coverage of net charge-offs (x) | 133.2105% | 729 |
| Efficiency ratio | 58.3580% | 3,213 |
| Assets per employee ($millions) | 6.5680% | 2,195 |
| Cash dividends to net income (ytd only)* | 9.5529% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 1,176 |
| Loan loss allowance to noncurrent loans | 35.6333% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 2.3663% | 137 |
| Noncurrent loans to loans | 4.6861% | 87 |
| Net loans and leases to total assets | 46.5171% | 3,754 |
| Net loans and leases to deposits | 54.4629% | 3,696 |
| Net loans and leases to core deposits | 54.7065% | 3,869 |
| Total domestic deposits to total assets | 85.4106% | 2,978 |
| Equity capital to assets | 12.6703% | 1,103 |
| Core capital (leverage) ratio | 13.1616% | 804 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $274,298,750 | 2,595 |
| Average earning assets | $253,395,000 | 2,623 |
| Average equity | $34,672,500 | 2,336 |
| Average total loans | $135,800,000 | 2,812 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6239% | 4,528 |
| Cost of funding earning assets | 0.2020% | 3,732 |
| Net interest margin | 2.4219% | 4,403 |
| Noninterest income to average assets | 0.6988% | 1,811 |
| Noninterest expense to average assets | 1.7254% | 4,321 |
| Loan and lease loss provision to assets | -0.8616% | 4,941 |
| Net operating income to assets | 1.8328% | 666 |
| Return on assets (ROA) | 1.4264% | 1,560 |
| Pretax return on assets | 1.6039% | 1,724 |
| Return on Equity (ROE) | 11.2938% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.8362% | 1,446 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0028% | 3,152 |
| Assets per employee ($millions) | 5.7911% | 2,814 |
| Cash dividends to net income (ytd only)* | 12.9066% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7036% | 1,045 |
| Loan loss allowance to noncurrent loans | 33.7939% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 2.5608% | 129 |
| Noncurrent loans to loans | 5.0411% | 82 |
| Net loans and leases to total assets | 47.6975% | 3,759 |
| Net loans and leases to deposits | 56.1415% | 3,700 |
| Net loans and leases to core deposits | 56.4035% | 3,866 |
| Total domestic deposits to total assets | 84.9594% | 3,113 |
| Equity capital to assets | 12.9787% | 953 |
| Core capital (leverage) ratio | 12.7234% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,590,000 | 2,600 |
| Average earning assets | $249,551,667 | 2,635 |
| Average equity | $34,302,000 | 2,346 |
| Average total loans | $136,531,000 | 2,818 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9241% | 4,225 |
| Cost of funding earning assets | 0.2114% | 3,812 |
| Net interest margin | 2.7126% | 3,938 |
| Noninterest income to average assets | 0.7726% | 1,656 |
| Noninterest expense to average assets | 1.7236% | 4,336 |
| Loan and lease loss provision to assets | 0.1327% | 1,027 |
| Net operating income to assets | 1.0320% | 2,707 |
| Return on assets (ROA) | 1.0483% | 2,725 |
| Pretax return on assets | 1.3963% | 2,288 |
| Return on Equity (ROE) | 8.4167% | 3,210 |
| Retained earnings to average equity (ytd only) | 5.4572% | 3,080 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3303% | 3,874 |
| Assets per employee ($millions) | 6.0083% | 2,595 |
| Cash dividends to net income (ytd only)* | 35.1617% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5305% | 247 |
| Loan loss allowance to noncurrent loans | 49.3255% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.6955% | 132 |
| Noncurrent loans to loans | 5.1302% | 76 |
| Net loans and leases to total assets | 48.9171% | 3,719 |
| Net loans and leases to deposits | 57.0066% | 3,716 |
| Net loans and leases to core deposits | 57.2657% | 3,889 |
| Total domestic deposits to total assets | 85.8095% | 2,808 |
| Equity capital to assets | 12.0261% | 1,270 |
| Core capital (leverage) ratio | 12.5365% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $271,293,000 | 2,588 |
| Average earning assets | $245,959,500 | 2,639 |
| Average equity | $33,790,000 | 2,361 |
| Average total loans | $138,759,000 | 2,800 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 4,260 |
| Cost of funding earning assets | 0.2892% | 4,205 |
| Net interest margin | 3.0663% | 3,704 |
| Noninterest income to average assets | 0.7205% | 1,789 |
| Noninterest expense to average assets | 1.9876% | 4,164 |
| Loan and lease loss provision to assets | 0.1423% | 2,578 |
| Net operating income to assets | 1.0502% | 2,103 |
| Return on assets (ROA) | 1.1130% | 1,990 |
| Pretax return on assets | 1.4821% | 1,403 |
| Return on Equity (ROE) | 8.5862% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.5862% | 881 |
| Net charge-offs to loans | 0.0659% | 1,838 |
| Credit loss provision to net charge-offs | 378.9474% | 1,493 |
| Earnings coverage of net charge-offs (x) | 41.1474% | 1,359 |
| Efficiency ratio | 56.2654% | 3,954 |
| Assets per employee ($millions) | 5.6639% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 276 |
| Loan loss allowance to noncurrent loans | 47.0945% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 2.9132% | 131 |
| Noncurrent loans to loans | 5.2316% | 76 |
| Net loans and leases to total assets | 50.8595% | 3,758 |
| Net loans and leases to deposits | 59.8427% | 3,774 |
| Net loans and leases to core deposits | 60.1276% | 3,938 |
| Total domestic deposits to total assets | 84.9886% | 2,764 |
| Equity capital to assets | 12.8920% | 1,137 |
| Core capital (leverage) ratio | 12.8218% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $253,018,600 | 2,560 |
| Average earning assets | $232,041,600 | 2,588 |
| Average equity | $32,797,000 | 2,342 |
| Average total loans | $144,128,600 | 2,712 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 4,304 |
| Cost of funding earning assets | 0.3042% | 4,296 |
| Net interest margin | 3.1319% | 3,666 |
| Noninterest income to average assets | 0.6423% | 2,013 |
| Noninterest expense to average assets | 1.9862% | 4,177 |
| Loan and lease loss provision to assets | 0.1442% | 2,577 |
| Net operating income to assets | 1.0547% | 2,125 |
| Return on assets (ROA) | 1.1378% | 1,975 |
| Pretax return on assets | 1.5035% | 1,442 |
| Return on Equity (ROE) | 8.7649% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.7649% | 1,049 |
| Net charge-offs to loans | 0.0467% | 1,947 |
| Credit loss provision to net charge-offs | 529.4118% | 1,243 |
| Earnings coverage of net charge-offs (x) | 56.6471% | 1,124 |
| Efficiency ratio | 56.2869% | 3,881 |
| Assets per employee ($millions) | 5.3382% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 299 |
| Loan loss allowance to noncurrent loans | 42.4777% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 3.2932% | 117 |
| Noncurrent loans to loans | 5.3930% | 87 |
| Net loans and leases to total assets | 55.0172% | 3,709 |
| Net loans and leases to deposits | 64.7754% | 3,728 |
| Net loans and leases to core deposits | 65.0157% | 3,951 |
| Total domestic deposits to total assets | 84.9353% | 2,470 |
| Equity capital to assets | 12.8879% | 1,232 |
| Core capital (leverage) ratio | 12.8045% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,722,250 | 2,564 |
| Average earning assets | $230,141,250 | 2,579 |
| Average equity | $32,416,500 | 2,348 |
| Average total loans | $145,458,250 | 2,705 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5688% | 4,316 |
| Cost of funding earning assets | 0.3268% | 4,376 |
| Net interest margin | 3.2420% | 3,548 |
| Noninterest income to average assets | 0.6006% | 2,127 |
| Noninterest expense to average assets | 2.0043% | 4,225 |
| Loan and lease loss provision to assets | 0.1465% | 2,546 |
| Net operating income to assets | 1.0777% | 2,045 |
| Return on assets (ROA) | 1.0847% | 2,142 |
| Pretax return on assets | 1.4461% | 1,599 |
| Return on Equity (ROE) | 8.3352% | 2,619 |
| Retained earnings to average equity (ytd only) | 8.3352% | 1,213 |
| Net charge-offs to loans | -0.0041% | 3,957 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8630% | 3,961 |
| Assets per employee ($millions) | 4.9945% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2236% | 323 |
| Loan loss allowance to noncurrent loans | 43.9963% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 3.1893% | 136 |
| Noncurrent loans to loans | 5.0540% | 110 |
| Net loans and leases to total assets | 56.5164% | 3,644 |
| Net loans and leases to deposits | 66.4646% | 3,681 |
| Net loans and leases to core deposits | 66.7123% | 3,943 |
| Total domestic deposits to total assets | 85.0324% | 2,385 |
| Equity capital to assets | 12.7236% | 1,268 |
| Core capital (leverage) ratio | 12.8318% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $245,772,667 | 2,568 |
| Average earning assets | $226,463,333 | 2,579 |
| Average equity | $31,985,000 | 2,360 |
| Average total loans | $144,850,000 | 2,700 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 4,247 |
| Cost of funding earning assets | 0.3765% | 4,439 |
| Net interest margin | 3.4159% | 3,248 |
| Noninterest income to average assets | 0.5008% | 2,545 |
| Noninterest expense to average assets | 2.0268% | 4,351 |
| Loan and lease loss provision to assets | 0.1508% | 1,890 |
| Net operating income to assets | 1.1265% | 1,759 |
| Return on assets (ROA) | 1.1424% | 1,815 |
| Pretax return on assets | 1.4891% | 1,332 |
| Return on Equity (ROE) | 8.6727% | 2,249 |
| Retained earnings to average equity (ytd only) | 8.6727% | 1,061 |
| Net charge-offs to loans | -0.0028% | 3,712 |
| Credit loss provision to net charge-offs | -9,000.0000% | 3,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5811% | 4,248 |
| Assets per employee ($millions) | 4.2921% | 3,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3008% | 329 |
| Loan loss allowance to noncurrent loans | 43.9897% | 4,181 |
| Noncurrent assets plus other real estate owned to assets | 3.5124% | 135 |
| Noncurrent loans to loans | 5.2303% | 112 |
| Net loans and leases to total assets | 59.4691% | 3,548 |
| Net loans and leases to deposits | 69.5374% | 3,628 |
| Net loans and leases to core deposits | 69.8256% | 3,891 |
| Total domestic deposits to total assets | 85.5209% | 2,203 |
| Equity capital to assets | 13.8030% | 1,124 |
| Core capital (leverage) ratio | 13.2743% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $238,802,000 | 2,564 |
| Average earning assets | $219,910,500 | 2,573 |
| Average equity | $31,455,000 | 2,379 |
| Average total loans | $142,215,500 | 2,709 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9718% | 4,322 |
| Cost of funding earning assets | 0.3621% | 4,565 |
| Net interest margin | 3.6097% | 3,104 |
| Noninterest income to average assets | 0.4886% | 2,808 |
| Noninterest expense to average assets | 2.1018% | 4,366 |
| Loan and lease loss provision to assets | 0.5804% | 208 |
| Net operating income to assets | 0.8940% | 3,225 |
| Return on assets (ROA) | 0.9099% | 3,252 |
| Pretax return on assets | 1.1488% | 3,014 |
| Return on Equity (ROE) | 7.0329% | 3,540 |
| Retained earnings to average equity (ytd only) | 4.1300% | 2,901 |
| Net charge-offs to loans | 0.1657% | 1,218 |
| Credit loss provision to net charge-offs | 569.0377% | 536 |
| Earnings coverage of net charge-offs (x) | 16.7573% | 2,145 |
| Efficiency ratio | 55.1512% | 4,308 |
| Assets per employee ($millions) | 4.7275% | 2,922 |
| Cash dividends to net income (ytd only)* | 41.2758% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2009% | 330 |
| Loan loss allowance to noncurrent loans | 49.3277% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 2.9553% | 183 |
| Noncurrent loans to loans | 4.4618% | 128 |
| Net loans and leases to total assets | 57.0297% | 3,846 |
| Net loans and leases to deposits | 65.6565% | 3,973 |
| Net loans and leases to core deposits | 66.2194% | 4,182 |
| Total domestic deposits to total assets | 86.8607% | 1,678 |
| Equity capital to assets | 12.5771% | 1,778 |
| Core capital (leverage) ratio | 13.0433% | 1,219 |
| Tier 1 risk-based capital ratio | 21.6429% | 1,068 |
| Total risk-based capital ratio | 22.9045% | 1,037 |
| Memoranda: | ||
| Average total assets | $234,323,600 | 2,545 |
| Average earning assets | $215,671,000 | 2,564 |
| Average equity | $30,314,800 | 2,373 |
| Average total loans | $144,194,200 | 2,674 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 4,301 |
| Cost of funding earning assets | 0.3532% | 4,646 |
| Net interest margin | 3.6756% | 3,008 |
| Noninterest income to average assets | 0.4781% | 2,861 |
| Noninterest expense to average assets | 2.1217% | 4,325 |
| Loan and lease loss provision to assets | 0.5559% | 213 |
| Net operating income to assets | 0.9182% | 3,277 |
| Return on assets (ROA) | 0.9396% | 3,275 |
| Pretax return on assets | 1.2028% | 2,972 |
| Return on Equity (ROE) | 7.2093% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.6180% | 2,559 |
| Net charge-offs to loans | 0.1043% | 1,428 |
| Credit loss provision to net charge-offs | 853.9823% | 414 |
| Earnings coverage of net charge-offs (x) | 26.6023% | 1,735 |
| Efficiency ratio | 55.0605% | 4,278 |
| Assets per employee ($millions) | 4.5585% | 3,112 |
| Cash dividends to net income (ytd only)* | 22.0725% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9639% | 496 |
| Loan loss allowance to noncurrent loans | 43.4127% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 2.9615% | 194 |
| Noncurrent loans to loans | 4.5239% | 125 |
| Net loans and leases to total assets | 58.4027% | 3,836 |
| Net loans and leases to deposits | 67.0967% | 3,989 |
| Net loans and leases to core deposits | 67.6693% | 4,187 |
| Total domestic deposits to total assets | 87.0426% | 1,491 |
| Equity capital to assets | 12.5585% | 1,869 |
| Core capital (leverage) ratio | 13.5496% | 1,113 |
| Tier 1 risk-based capital ratio | 21.3780% | 1,146 |
| Total risk-based capital ratio | 22.6372% | 1,119 |
| Memoranda: | ||
| Average total assets | $231,447,500 | 2,593 |
| Average earning assets | $212,530,250 | 2,608 |
| Average equity | $30,164,000 | 2,396 |
| Average total loans | $144,405,250 | 2,700 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 4,106 |
| Cost of funding earning assets | 0.3514% | 4,674 |
| Net interest margin | 3.7713% | 2,691 |
| Noninterest income to average assets | 0.4997% | 2,686 |
| Noninterest expense to average assets | 2.1638% | 4,304 |
| Loan and lease loss provision to assets | 0.5032% | 230 |
| Net operating income to assets | 1.0149% | 2,863 |
| Return on assets (ROA) | 1.0303% | 2,885 |
| Pretax return on assets | 1.3198% | 2,479 |
| Return on Equity (ROE) | 7.8024% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.4681% | 1,617 |
| Net charge-offs to loans | 0.0835% | 1,526 |
| Credit loss provision to net charge-offs | 950.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 34.0500% | 1,368 |
| Efficiency ratio | 54.5394% | 4,411 |
| Assets per employee ($millions) | 4.1550% | 3,635 |
| Cash dividends to net income (ytd only)* | 4.2845% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 705 |
| Loan loss allowance to noncurrent loans | 36.6497% | 4,440 |
| Noncurrent assets plus other real estate owned to assets | 3.6300% | 135 |
| Noncurrent loans to loans | 4.8560% | 112 |
| Net loans and leases to total assets | 64.5472% | 3,281 |
| Net loans and leases to deposits | 75.9105% | 3,346 |
| Net loans and leases to core deposits | 77.0858% | 3,641 |
| Total domestic deposits to total assets | 85.0307% | 2,457 |
| Equity capital to assets | 14.3042% | 1,012 |
| Core capital (leverage) ratio | 13.8468% | 1,011 |
| Tier 1 risk-based capital ratio | 20.7061% | 1,219 |
| Total risk-based capital ratio | 21.9620% | 1,193 |
| Memoranda: | ||
| Average total assets | $226,543,330 | 2,636 |
| Average earning assets | $208,309,670 | 2,655 |
| Average equity | $29,914,000 | 2,403 |
| Average total loans | $143,659,000 | 2,720 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 4,168 |
| Cost of funding earning assets | 0.3404% | 4,706 |
| Net interest margin | 3.7426% | 2,736 |
| Noninterest income to average assets | 0.5143% | 2,474 |
| Noninterest expense to average assets | 2.0899% | 4,475 |
| Loan and lease loss provision to assets | 0.3106% | 411 |
| Net operating income to assets | 1.2022% | 2,048 |
| Return on assets (ROA) | 1.2322% | 1,986 |
| Pretax return on assets | 1.6049% | 1,461 |
| Return on Equity (ROE) | 9.7083% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.7083% | 1,101 |
| Net charge-offs to loans | 0.1689% | 807 |
| Credit loss provision to net charge-offs | 295.0820% | 841 |
| Earnings coverage of net charge-offs (x) | 17.8361% | 1,646 |
| Efficiency ratio | 52.6751% | 4,642 |
| Assets per employee ($millions) | 4.2117% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 1,269 |
| Loan loss allowance to noncurrent loans | 31.6305% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 3.5096% | 153 |
| Noncurrent loans to loans | 4.8120% | 125 |
| Net loans and leases to total assets | 62.5293% | 3,455 |
| Net loans and leases to deposits | 72.6467% | 3,557 |
| Net loans and leases to core deposits | 73.6051% | 3,820 |
| Total domestic deposits to total assets | 86.0731% | 2,247 |
| Equity capital to assets | 13.1921% | 1,351 |
| Core capital (leverage) ratio | 13.1072% | 1,219 |
| Tier 1 risk-based capital ratio | 19.7242% | 1,392 |
| Total risk-based capital ratio | 20.9760% | 1,370 |
| Memoranda: | ||
| Average total assets | $231,784,000 | 2,628 |
| Average earning assets | $213,864,500 | 2,635 |
| Average equity | $29,418,000 | 2,444 |
| Average total loans | $144,494,000 | 2,745 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 4,049 |
| Cost of funding earning assets | 0.3432% | 4,326 |
| Net interest margin | 3.6506% | 3,220 |
| Noninterest income to average assets | 0.5228% | 2,697 |
| Noninterest expense to average assets | 2.0954% | 4,577 |
| Loan and lease loss provision to assets | 0.1847% | 1,052 |
| Net operating income to assets | 1.2418% | 2,008 |
| Return on assets (ROA) | 1.2425% | 1,995 |
| Pretax return on assets | 1.6105% | 1,437 |
| Return on Equity (ROE) | 10.2611% | 2,413 |
| Retained earnings to average equity (ytd only) | 8.1189% | 1,180 |
| Net charge-offs to loans | 0.1996% | 960 |
| Credit loss provision to net charge-offs | 148.9362% | 1,847 |
| Earnings coverage of net charge-offs (x) | 14.4716% | 2,377 |
| Efficiency ratio | 53.8714% | 4,631 |
| Assets per employee ($millions) | 4.3729% | 3,341 |
| Cash dividends to net income (ytd only)* | 20.8776% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,493 |
| Loan loss allowance to noncurrent loans | 195.5786% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 1,521 |
| Noncurrent loans to loans | 0.7352% | 2,152 |
| Net loans and leases to total assets | 60.3463% | 3,732 |
| Net loans and leases to deposits | 69.2625% | 3,880 |
| Net loans and leases to core deposits | 70.1307% | 4,108 |
| Total domestic deposits to total assets | 87.1270% | 1,718 |
| Equity capital to assets | 12.2103% | 1,752 |
| Core capital (leverage) ratio | 12.3928% | 1,518 |
| Tier 1 risk-based capital ratio | 19.1641% | 1,482 |
| Total risk-based capital ratio | 20.4149% | 1,446 |
| Memoranda: | ||
| Average total assets | $227,450,200 | 2,632 |
| Average earning assets | $209,771,600 | 2,638 |
| Average equity | $27,540,800 | 2,482 |
| Average total loans | $141,297,000 | 2,752 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 4,035 |
| Cost of funding earning assets | 0.3385% | 4,256 |
| Net interest margin | 3.6263% | 3,279 |
| Noninterest income to average assets | 0.5333% | 2,660 |
| Noninterest expense to average assets | 2.0543% | 4,643 |
| Loan and lease loss provision to assets | 0.1953% | 900 |
| Net operating income to assets | 1.2062% | 2,217 |
| Return on assets (ROA) | 1.2062% | 2,217 |
| Pretax return on assets | 1.6311% | 1,487 |
| Return on Equity (ROE) | 9.9834% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.8280% | 1,734 |
| Net charge-offs to loans | 0.2449% | 697 |
| Credit loss provision to net charge-offs | 127.9070% | 1,916 |
| Earnings coverage of net charge-offs (x) | 11.9613% | 2,483 |
| Efficiency ratio | 52.9358% | 4,715 |
| Assets per employee ($millions) | 3.9731% | 3,932 |
| Cash dividends to net income (ytd only)* | 21.5897% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 1,646 |
| Loan loss allowance to noncurrent loans | 269.1176% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,081 |
| Noncurrent loans to loans | 0.5254% | 2,805 |
| Net loans and leases to total assets | 64.2275% | 3,395 |
| Net loans and leases to deposits | 74.2019% | 3,575 |
| Net loans and leases to core deposits | 75.2144% | 3,858 |
| Total domestic deposits to total assets | 86.5578% | 1,943 |
| Equity capital to assets | 12.7082% | 1,465 |
| Core capital (leverage) ratio | 12.9605% | 1,300 |
| Tier 1 risk-based capital ratio | 19.7056% | 1,399 |
| Total risk-based capital ratio | 20.9569% | 1,366 |
| Memoranda: | ||
| Average total assets | $225,278,500 | 2,663 |
| Average earning assets | $207,958,000 | 2,667 |
| Average equity | $27,217,750 | 2,509 |
| Average total loans | $140,476,500 | 2,777 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 4,102 |
| Cost of funding earning assets | 0.3354% | 4,165 |
| Net interest margin | 3.5546% | 3,451 |
| Noninterest income to average assets | 0.5423% | 2,612 |
| Noninterest expense to average assets | 1.9901% | 4,816 |
| Loan and lease loss provision to assets | 0.2110% | 796 |
| Net operating income to assets | 1.1796% | 2,282 |
| Return on assets (ROA) | 1.1796% | 2,282 |
| Pretax return on assets | 1.6200% | 1,440 |
| Return on Equity (ROE) | 9.9284% | 2,594 |
| Retained earnings to average equity (ytd only) | 7.5240% | 1,836 |
| Net charge-offs to loans | 0.0515% | 1,866 |
| Credit loss provision to net charge-offs | 666.6667% | 578 |
| Earnings coverage of net charge-offs (x) | 57.8611% | 1,022 |
| Efficiency ratio | 52.0819% | 4,883 |
| Assets per employee ($millions) | 4.2014% | 3,577 |
| Cash dividends to net income (ytd only)* | 24.2176% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 1,330 |
| Loan loss allowance to noncurrent loans | 293.4337% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 2,174 |
| Noncurrent loans to loans | 0.5184% | 2,863 |
| Net loans and leases to total assets | 62.3572% | 3,559 |
| Net loans and leases to deposits | 71.6621% | 3,738 |
| Net loans and leases to core deposits | 72.6539% | 3,971 |
| Total domestic deposits to total assets | 87.0156% | 1,833 |
| Equity capital to assets | 12.2870% | 1,672 |
| Core capital (leverage) ratio | 12.5556% | 1,407 |
| Tier 1 risk-based capital ratio | 19.4739% | 1,439 |
| Total risk-based capital ratio | 20.7261% | 1,399 |
| Memoranda: | ||
| Average total assets | $227,531,330 | 2,658 |
| Average earning assets | $209,871,000 | 2,674 |
| Average equity | $27,033,670 | 2,529 |
| Average total loans | $139,847,670 | 2,797 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8060% | 4,199 |
| Cost of funding earning assets | 0.3381% | 4,080 |
| Net interest margin | 3.4679% | 3,650 |
| Noninterest income to average assets | 0.5253% | 2,657 |
| Noninterest expense to average assets | 1.9760% | 4,894 |
| Loan and lease loss provision to assets | 0.1565% | 1,155 |
| Net operating income to assets | 1.1637% | 2,163 |
| Return on assets (ROA) | 1.1637% | 2,176 |
| Pretax return on assets | 1.5864% | 1,427 |
| Return on Equity (ROE) | 9.9589% | 2,457 |
| Retained earnings to average equity (ytd only) | 6.7583% | 2,383 |
| Net charge-offs to loans | 0.0862% | 1,292 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 33.4000% | 1,178 |
| Efficiency ratio | 53.1338% | 4,869 |
| Assets per employee ($millions) | 4.0106% | 3,960 |
| Cash dividends to net income (ytd only)* | 32.1375% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,719 |
| Loan loss allowance to noncurrent loans | 167.7284% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 0.6861% | 2,272 |
| Noncurrent loans to loans | 0.8541% | 2,114 |
| Net loans and leases to total assets | 61.3028% | 3,619 |
| Net loans and leases to deposits | 70.1380% | 3,778 |
| Net loans and leases to core deposits | 71.1581% | 4,020 |
| Total domestic deposits to total assets | 87.4031% | 1,952 |
| Equity capital to assets | 11.9393% | 1,835 |
| Core capital (leverage) ratio | 12.0228% | 1,639 |
| Tier 1 risk-based capital ratio | 19.1955% | 1,507 |
| Total risk-based capital ratio | 20.4464% | 1,461 |
| Memoranda: | ||
| Average total assets | $229,959,500 | 2,665 |
| Average earning assets | $211,772,500 | 2,672 |
| Average equity | $26,870,500 | 2,564 |
| Average total loans | $139,272,000 | 2,821 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7679% | 4,157 |
| Cost of funding earning assets | 0.3287% | 3,887 |
| Net interest margin | 3.4391% | 3,728 |
| Noninterest income to average assets | 0.5794% | 2,556 |
| Noninterest expense to average assets | 2.1793% | 4,569 |
| Loan and lease loss provision to assets | 0.1518% | 1,486 |
| Net operating income to assets | 0.8670% | 2,883 |
| Return on assets (ROA) | 0.8678% | 2,899 |
| Pretax return on assets | 1.3986% | 1,992 |
| Return on Equity (ROE) | 7.3420% | 3,101 |
| Retained earnings to average equity (ytd only) | -1.2952% | 5,210 |
| Net charge-offs to loans | 0.4222% | 583 |
| Credit loss provision to net charge-offs | 59.5238% | 3,222 |
| Earnings coverage of net charge-offs (x) | 6.0748% | 3,230 |
| Efficiency ratio | 58.4506% | 4,474 |
| Assets per employee ($millions) | 4.1285% | 3,771 |
| Cash dividends to net income (ytd only)* | 117.6412% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,781 |
| Loan loss allowance to noncurrent loans | 164.0744% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7343% | 2,128 |
| Noncurrent loans to loans | 0.8519% | 2,088 |
| Net loans and leases to total assets | 58.1832% | 3,988 |
| Net loans and leases to deposits | 66.0678% | 4,184 |
| Net loans and leases to core deposits | 66.9930% | 4,366 |
| Total domestic deposits to total assets | 88.0658% | 1,466 |
| Equity capital to assets | 11.4421% | 2,242 |
| Core capital (leverage) ratio | 11.3653% | 2,047 |
| Tier 1 risk-based capital ratio | 18.4591% | 1,663 |
| Total risk-based capital ratio | 19.7092% | 1,617 |
| Memoranda: | ||
| Average total assets | $230,581,600 | 2,636 |
| Average earning assets | $211,128,000 | 2,651 |
| Average equity | $27,254,200 | 2,529 |
| Average total loans | $139,276,800 | 2,795 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,185 |
| Cost of funding earning assets | 0.3237% | 3,906 |
| Net interest margin | 3.4255% | 3,756 |
| Noninterest income to average assets | 0.6045% | 2,452 |
| Noninterest expense to average assets | 2.0564% | 4,834 |
| Loan and lease loss provision to assets | 0.1511% | 1,379 |
| Net operating income to assets | 1.0555% | 2,307 |
| Return on assets (ROA) | 1.0567% | 2,338 |
| Pretax return on assets | 1.5298% | 1,670 |
| Return on Equity (ROE) | 8.8671% | 2,686 |
| Retained earnings to average equity (ytd only) | -1.6729% | 5,405 |
| Net charge-offs to loans | 0.5386% | 374 |
| Credit loss provision to net charge-offs | 46.1812% | 2,953 |
| Earnings coverage of net charge-offs (x) | 5.1314% | 3,147 |
| Efficiency ratio | 55.0490% | 4,844 |
| Assets per employee ($millions) | 4.4168% | 3,287 |
| Cash dividends to net income (ytd only)* | 118.8668% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,137 |
| Loan loss allowance to noncurrent loans | 169.9275% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 2,594 |
| Noncurrent loans to loans | 0.7920% | 2,377 |
| Net loans and leases to total assets | 55.6005% | 4,265 |
| Net loans and leases to deposits | 62.8687% | 4,451 |
| Net loans and leases to core deposits | 63.3235% | 4,635 |
| Total domestic deposits to total assets | 88.4391% | 1,157 |
| Equity capital to assets | 11.0741% | 2,789 |
| Core capital (leverage) ratio | 12.3414% | 1,491 |
| Tier 1 risk-based capital ratio | 18.6577% | 1,693 |
| Total risk-based capital ratio | 19.9076% | 1,641 |
| Memoranda: | ||
| Average total assets | $229,396,000 | 2,669 |
| Average earning assets | $209,677,000 | 2,687 |
| Average equity | $27,336,250 | 2,546 |
| Average total loans | $139,381,000 | 2,806 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8116% | 3,852 |
| Cost of funding earning assets | 0.3375% | 3,720 |
| Net interest margin | 3.4741% | 3,492 |
| Noninterest income to average assets | 0.5953% | 2,483 |
| Noninterest expense to average assets | 2.1252% | 4,732 |
| Loan and lease loss provision to assets | 0.0627% | 2,717 |
| Net operating income to assets | 1.0888% | 2,031 |
| Return on assets (ROA) | 1.0912% | 2,073 |
| Pretax return on assets | 1.5809% | 1,402 |
| Return on Equity (ROE) | 8.9245% | 2,542 |
| Retained earnings to average equity (ytd only) | -4.4952% | 5,514 |
| Net charge-offs to loans | 0.5295% | 366 |
| Credit loss provision to net charge-offs | 18.9702% | 2,793 |
| Earnings coverage of net charge-offs (x) | 4.9648% | 2,870 |
| Efficiency ratio | 56.4432% | 4,773 |
| Assets per employee ($millions) | 3.9489% | 4,044 |
| Cash dividends to net income (ytd only)* | 150.3692% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 2,157 |
| Loan loss allowance to noncurrent loans | 119.7452% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.4559% | 1,065 |
| Noncurrent loans to loans | 1.1300% | 1,740 |
| Net loans and leases to total assets | 63.1028% | 3,500 |
| Net loans and leases to deposits | 72.5774% | 3,681 |
| Net loans and leases to core deposits | 72.9902% | 4,019 |
| Total domestic deposits to total assets | 86.9455% | 1,976 |
| Equity capital to assets | 12.5070% | 1,618 |
| Core capital (leverage) ratio | 12.2226% | 1,519 |
| Tier 1 risk-based capital ratio | 18.3549% | 1,760 |
| Total risk-based capital ratio | 19.6049% | 1,722 |
| Memoranda: | ||
| Average total assets | $223,413,670 | 2,731 |
| Average earning assets | $203,854,000 | 2,769 |
| Average equity | $27,318,000 | 2,551 |
| Average total loans | $139,374,670 | 2,816 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 3,850 |
| Cost of funding earning assets | 0.3403% | 3,630 |
| Net interest margin | 3.4345% | 3,504 |
| Noninterest income to average assets | 0.5403% | 2,707 |
| Noninterest expense to average assets | 2.1101% | 4,831 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0687% | 1,997 |
| Return on assets (ROA) | 1.0736% | 2,013 |
| Pretax return on assets | 1.5557% | 1,359 |
| Return on Equity (ROE) | 8.8775% | 2,472 |
| Retained earnings to average equity (ytd only) | 3.0224% | 3,903 |
| Net charge-offs to loans | 0.3524% | 520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.1301% | 2,163 |
| Efficiency ratio | 57.6737% | 4,753 |
| Assets per employee ($millions) | 3.9258% | 4,139 |
| Cash dividends to net income (ytd only)* | 65.9539% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4829% | 1,756 |
| Loan loss allowance to noncurrent loans | 92.9476% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.3448% | 1,252 |
| Noncurrent loans to loans | 1.5954% | 1,219 |
| Net loans and leases to total assets | 59.9893% | 3,789 |
| Net loans and leases to deposits | 68.7262% | 3,916 |
| Net loans and leases to core deposits | 69.0500% | 4,217 |
| Total domestic deposits to total assets | 87.2873% | 2,078 |
| Equity capital to assets | 12.1114% | 1,765 |
| Core capital (leverage) ratio | 12.4666% | 1,355 |
| Tier 1 risk-based capital ratio | 18.6672% | 1,701 |
| Total risk-based capital ratio | 19.9185% | 1,651 |
| Memoranda: | ||
| Average total assets | $226,525,500 | 2,738 |
| Average earning assets | $205,679,500 | 2,769 |
| Average equity | $27,395,000 | 2,552 |
| Average total loans | $139,595,500 | 2,829 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 3,914 |
| Cost of funding earning assets | 0.3490% | 3,528 |
| Net interest margin | 3.4511% | 3,626 |
| Noninterest income to average assets | 0.5441% | 2,952 |
| Noninterest expense to average assets | 2.2173% | 4,736 |
| Loan and lease loss provision to assets | 0.0403% | 3,575 |
| Net operating income to assets | 1.0510% | 2,139 |
| Return on assets (ROA) | 1.0542% | 2,219 |
| Pretax return on assets | 1.4707% | 1,677 |
| Return on Equity (ROE) | 8.9415% | 2,448 |
| Retained earnings to average equity (ytd only) | 3.6047% | 3,358 |
| Net charge-offs to loans | 0.2837% | 970 |
| Credit loss provision to net charge-offs | 21.7918% | 3,662 |
| Earnings coverage of net charge-offs (x) | 8.1453% | 2,915 |
| Efficiency ratio | 59.5430% | 4,657 |
| Assets per employee ($millions) | 3.8662% | 4,195 |
| Cash dividends to net income (ytd only)* | 59.6856% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 706 |
| Loan loss allowance to noncurrent loans | 118.6586% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 1.4306% | 1,187 |
| Noncurrent loans to loans | 1.6550% | 1,172 |
| Net loans and leases to total assets | 61.4439% | 3,664 |
| Net loans and leases to deposits | 69.8757% | 3,916 |
| Net loans and leases to core deposits | 70.1168% | 4,235 |
| Total domestic deposits to total assets | 87.9331% | 1,662 |
| Equity capital to assets | 11.5861% | 2,095 |
| Core capital (leverage) ratio | 11.3039% | 2,081 |
| Tier 1 risk-based capital ratio | 17.4754% | 2,013 |
| Total risk-based capital ratio | 18.7320% | 1,970 |
| Memoranda: | ||
| Average total assets | $223,287,800 | 2,730 |
| Average earning assets | $205,731,200 | 2,732 |
| Average equity | $26,326,800 | 2,610 |
| Average total loans | $145,557,200 | 2,703 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 3,882 |
| Cost of funding earning assets | 0.3390% | 3,664 |
| Net interest margin | 3.4750% | 3,558 |
| Noninterest income to average assets | 0.5404% | 2,977 |
| Noninterest expense to average assets | 2.2219% | 4,713 |
| Loan and lease loss provision to assets | 0.0269% | 3,705 |
| Net operating income to assets | 1.0366% | 2,261 |
| Return on assets (ROA) | 1.0407% | 2,365 |
| Pretax return on assets | 1.5082% | 1,682 |
| Return on Equity (ROE) | 8.7883% | 2,613 |
| Retained earnings to average equity (ytd only) | 4.4169% | 3,189 |
| Net charge-offs to loans | 0.3724% | 598 |
| Credit loss provision to net charge-offs | 10.9756% | 3,364 |
| Earnings coverage of net charge-offs (x) | 6.2391% | 3,022 |
| Efficiency ratio | 59.2351% | 4,657 |
| Assets per employee ($millions) | 4.4829% | 3,118 |
| Cash dividends to net income (ytd only)* | 49.7415% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 833 |
| Loan loss allowance to noncurrent loans | 137.6900% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 1,650 |
| Noncurrent loans to loans | 1.3911% | 1,582 |
| Net loans and leases to total assets | 55.4437% | 4,367 |
| Net loans and leases to deposits | 62.3712% | 4,605 |
| Net loans and leases to core deposits | 62.7135% | 4,791 |
| Total domestic deposits to total assets | 88.8931% | 966 |
| Equity capital to assets | 10.6636% | 3,392 |
| Core capital (leverage) ratio | 11.5558% | 1,984 |
| Tier 1 risk-based capital ratio | 17.3315% | 2,121 |
| Total risk-based capital ratio | 18.5878% | 2,081 |
| Memoranda: | ||
| Average total assets | $223,049,250 | 2,736 |
| Average earning assets | $206,078,500 | 2,737 |
| Average equity | $26,413,250 | 2,624 |
| Average total loans | $146,810,750 | 2,687 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9776% | 3,315 |
| Cost of funding earning assets | 0.3450% | 3,620 |
| Net interest margin | 3.6326% | 2,968 |
| Noninterest income to average assets | 0.5100% | 3,124 |
| Noninterest expense to average assets | 2.3133% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0838% | 2,016 |
| Return on assets (ROA) | 1.0902% | 2,121 |
| Pretax return on assets | 1.5759% | 1,433 |
| Return on Equity (ROE) | 8.8612% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.4921% | 1,383 |
| Net charge-offs to loans | 0.0552% | 2,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 40.8293% | 1,144 |
| Efficiency ratio | 59.6237% | 4,690 |
| Assets per employee ($millions) | 3.9836% | 3,940 |
| Cash dividends to net income (ytd only)* | 15.4506% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0329% | 696 |
| Loan loss allowance to noncurrent loans | 86.9640% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.1249% | 743 |
| Noncurrent loans to loans | 2.3377% | 773 |
| Net loans and leases to total assets | 68.1462% | 2,755 |
| Net loans and leases to deposits | 79.8434% | 2,945 |
| Net loans and leases to core deposits | 80.3686% | 3,427 |
| Total domestic deposits to total assets | 85.3498% | 2,713 |
| Equity capital to assets | 12.5099% | 1,766 |
| Core capital (leverage) ratio | 12.2789% | 1,466 |
| Tier 1 risk-based capital ratio | 16.7924% | 2,312 |
| Total risk-based capital ratio | 18.0501% | 2,259 |
| Memoranda: | ||
| Average total assets | $213,718,330 | 2,845 |
| Average earning assets | $198,260,670 | 2,838 |
| Average equity | $26,294,330 | 2,641 |
| Average total loans | $148,446,000 | 2,672 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,353 |
| Cost of funding earning assets | 0.3426% | 3,685 |
| Net interest margin | 3.6208% | 3,002 |
| Noninterest income to average assets | 0.4732% | 3,324 |
| Noninterest expense to average assets | 2.1651% | 4,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1327% | 1,778 |
| Return on assets (ROA) | 1.1417% | 1,862 |
| Pretax return on assets | 1.6750% | 1,125 |
| Return on Equity (ROE) | 9.3589% | 2,261 |
| Retained earnings to average equity (ytd only) | 6.5882% | 2,090 |
| Net charge-offs to loans | 0.0622% | 1,874 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 38.4783% | 1,028 |
| Efficiency ratio | 56.5751% | 5,139 |
| Assets per employee ($millions) | 3.7435% | 4,405 |
| Cash dividends to net income (ytd only)* | 29.6053% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0279% | 780 |
| Loan loss allowance to noncurrent loans | 164.0751% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3750% | 1,531 |
| Noncurrent loans to loans | 1.2360% | 1,954 |
| Net loans and leases to total assets | 69.2835% | 2,460 |
| Net loans and leases to deposits | 81.2767% | 2,637 |
| Net loans and leases to core deposits | 81.7744% | 3,149 |
| Total domestic deposits to total assets | 85.2440% | 3,021 |
| Equity capital to assets | 12.2942% | 1,834 |
| Core capital (leverage) ratio | 12.2066% | 1,496 |
| Tier 1 risk-based capital ratio | 16.3735% | 2,529 |
| Total risk-based capital ratio | 17.6317% | 2,481 |
| Memoranda: | ||
| Average total assets | $213,019,000 | 2,855 |
| Average earning assets | $197,304,000 | 2,850 |
| Average equity | $25,986,000 | 2,661 |
| Average total loans | $147,851,000 | 2,682 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,797 |
| Cost of funding earning assets | 0.3796% | 3,374 |
| Net interest margin | 3.4930% | 3,550 |
| Noninterest income to average assets | 0.5756% | 2,853 |
| Noninterest expense to average assets | 2.1718% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1158% | 1,852 |
| Return on assets (ROA) | 1.1268% | 1,876 |
| Pretax return on assets | 1.6441% | 1,129 |
| Return on Equity (ROE) | 9.6839% | 2,141 |
| Retained earnings to average equity (ytd only) | 8.2693% | 832 |
| Net charge-offs to loans | 0.0692% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 35.3265% | 1,292 |
| Efficiency ratio | 57.1535% | 5,241 |
| Assets per employee ($millions) | 4.0125% | 3,918 |
| Cash dividends to net income (ytd only)* | 14.6077% | 3,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1290% | 662 |
| Loan loss allowance to noncurrent loans | 170.9928% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.3717% | 1,530 |
| Noncurrent loans to loans | 1.2451% | 1,898 |
| Net loans and leases to total assets | 66.6432% | 2,892 |
| Net loans and leases to deposits | 76.3282% | 3,212 |
| Net loans and leases to core deposits | 76.8235% | 3,681 |
| Total domestic deposits to total assets | 87.3113% | 1,979 |
| Equity capital to assets | 12.1033% | 1,879 |
| Core capital (leverage) ratio | 11.6508% | 1,849 |
| Tier 1 risk-based capital ratio | 16.9129% | 2,318 |
| Total risk-based capital ratio | 18.1722% | 2,260 |
| Memoranda: | ||
| Average total assets | $212,635,200 | 2,813 |
| Average earning assets | $196,278,400 | 2,817 |
| Average equity | $24,742,200 | 2,716 |
| Average total loans | $141,523,000 | 2,709 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,941 |
| Cost of funding earning assets | 0.3862% | 3,378 |
| Net interest margin | 3.4629% | 3,704 |
| Noninterest income to average assets | 0.5524% | 3,037 |
| Noninterest expense to average assets | 2.1213% | 5,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1150% | 1,942 |
| Return on assets (ROA) | 1.1300% | 1,969 |
| Pretax return on assets | 1.6523% | 1,231 |
| Return on Equity (ROE) | 9.8094% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.1763% | 1,181 |
| Net charge-offs to loans | 0.1004% | 2,144 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 24.5283% | 1,688 |
| Efficiency ratio | 56.5435% | 5,280 |
| Assets per employee ($millions) | 3.9564% | 3,962 |
| Cash dividends to net income (ytd only)* | 16.6481% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1502% | 715 |
| Loan loss allowance to noncurrent loans | 177.9514% | 2,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3056% | 1,788 |
| Noncurrent loans to loans | 1.2083% | 2,117 |
| Net loans and leases to total assets | 64.3081% | 3,259 |
| Net loans and leases to deposits | 76.0779% | 3,297 |
| Net loans and leases to core deposits | 76.5629% | 3,732 |
| Total domestic deposits to total assets | 84.5292% | 3,205 |
| Equity capital to assets | 11.5646% | 2,450 |
| Core capital (leverage) ratio | 11.7466% | 1,860 |
| Tier 1 risk-based capital ratio | 16.8191% | 2,432 |
| Total risk-based capital ratio | 18.0785% | 2,390 |
| Memoranda: | ||
| Average total assets | $212,628,750 | 2,837 |
| Average earning assets | $196,440,750 | 2,840 |
| Average equity | $24,493,000 | 2,757 |
| Average total loans | $140,702,000 | 2,735 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 3,913 |
| Cost of funding earning assets | 0.3947% | 3,328 |
| Net interest margin | 3.4464% | 3,725 |
| Noninterest income to average assets | 0.4977% | 3,391 |
| Noninterest expense to average assets | 2.1264% | 5,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0758% | 2,030 |
| Return on assets (ROA) | 1.0855% | 2,098 |
| Pretax return on assets | 1.5888% | 1,361 |
| Return on Equity (ROE) | 9.4359% | 2,328 |
| Retained earnings to average equity (ytd only) | 8.1998% | 1,187 |
| Net charge-offs to loans | 0.0129% | 3,472 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 184.5556% | 364 |
| Efficiency ratio | 57.4539% | 5,287 |
| Assets per employee ($millions) | 3.9301% | 4,017 |
| Cash dividends to net income (ytd only)* | 13.1004% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2827% | 648 |
| Loan loss allowance to noncurrent loans | 144.8402% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 1.5022% | 1,639 |
| Noncurrent loans to loans | 1.5760% | 1,674 |
| Net loans and leases to total assets | 65.1890% | 3,092 |
| Net loans and leases to deposits | 74.3296% | 3,453 |
| Net loans and leases to core deposits | 74.8009% | 3,880 |
| Total domestic deposits to total assets | 87.7026% | 1,790 |
| Equity capital to assets | 11.8274% | 2,149 |
| Core capital (leverage) ratio | 11.6038% | 1,920 |
| Tier 1 risk-based capital ratio | 16.4991% | 2,604 |
| Total risk-based capital ratio | 17.7601% | 2,554 |
| Memoranda: | ||
| Average total assets | $210,970,330 | 2,873 |
| Average earning assets | $196,086,670 | 2,860 |
| Average equity | $24,269,000 | 2,778 |
| Average total loans | $139,932,000 | 2,750 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,482 |
| Cost of funding earning assets | 0.4003% | 3,302 |
| Net interest margin | 3.5350% | 3,284 |
| Noninterest income to average assets | 0.5238% | 3,132 |
| Noninterest expense to average assets | 2.1177% | 5,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1524% | 1,692 |
| Return on assets (ROA) | 1.1719% | 1,733 |
| Pretax return on assets | 1.6957% | 1,062 |
| Return on Equity (ROE) | 10.3299% | 1,855 |
| Retained earnings to average equity (ytd only) | 10.3299% | 842 |
| Net charge-offs to loans | -0.0085% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9482% | 5,518 |
| Assets per employee ($millions) | 3.8021% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2901% | 712 |
| Loan loss allowance to noncurrent loans | 158.0149% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 1,169 |
| Noncurrent loans to loans | 1.4493% | 1,963 |
| Net loans and leases to total assets | 64.9628% | 2,945 |
| Net loans and leases to deposits | 74.4383% | 3,246 |
| Net loans and leases to core deposits | 74.9063% | 3,696 |
| Total domestic deposits to total assets | 87.2706% | 2,226 |
| Equity capital to assets | 11.6859% | 2,306 |
| Core capital (leverage) ratio | 11.2660% | 2,179 |
| Tier 1 risk-based capital ratio | 15.9491% | 2,946 |
| Total risk-based capital ratio | 17.2099% | 2,882 |
| Memoranda: | ||
| Average total assets | $212,307,500 | 2,885 |
| Average earning assets | $195,871,500 | 2,883 |
| Average equity | $24,085,500 | 2,817 |
| Average total loans | $140,419,000 | 2,752 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 3,782 |
| Cost of funding earning assets | 0.4543% | 3,130 |
| Net interest margin | 3.5300% | 3,683 |
| Noninterest income to average assets | 0.3266% | 4,779 |
| Noninterest expense to average assets | 2.0918% | 5,591 |
| Loan and lease loss provision to assets | 0.0815% | 2,849 |
| Net operating income to assets | 0.9302% | 2,722 |
| Return on assets (ROA) | 0.9336% | 2,796 |
| Pretax return on assets | 1.3720% | 1,993 |
| Return on Equity (ROE) | 8.2675% | 2,986 |
| Retained earnings to average equity (ytd only) | -4.4326% | 6,158 |
| Net charge-offs to loans | 0.1029% | 3,031 |
| Credit loss provision to net charge-offs | 126.7606% | 1,889 |
| Earnings coverage of net charge-offs (x) | 22.5211% | 1,623 |
| Efficiency ratio | 59.0839% | 5,335 |
| Assets per employee ($millions) | 3.8482% | 4,255 |
| Cash dividends to net income (ytd only)* | 153.6148% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2432% | 779 |
| Loan loss allowance to noncurrent loans | 97.3974% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 2.5118% | 918 |
| Noncurrent loans to loans | 2.3031% | 1,131 |
| Net loans and leases to total assets | 64.3276% | 3,172 |
| Net loans and leases to deposits | 75.4900% | 3,257 |
| Net loans and leases to core deposits | 76.1644% | 3,695 |
| Total domestic deposits to total assets | 85.2135% | 3,202 |
| Equity capital to assets | 11.0135% | 2,882 |
| Core capital (leverage) ratio | 10.4300% | 3,024 |
| Tier 1 risk-based capital ratio | 15.6422% | 3,162 |
| Total risk-based capital ratio | 16.8842% | 3,098 |
| Memoranda: | ||
| Average total assets | $220,765,000 | 2,772 |
| Average earning assets | $200,990,000 | 2,796 |
| Average equity | $24,928,800 | 2,667 |
| Average total loans | $138,018,800 | 2,737 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,048 |
| Cost of funding earning assets | 0.4617% | 3,135 |
| Net interest margin | 3.4688% | 3,947 |
| Noninterest income to average assets | 0.4527% | 3,876 |
| Noninterest expense to average assets | 2.0773% | 5,625 |
| Loan and lease loss provision to assets | 0.1081% | 2,235 |
| Net operating income to assets | 0.9647% | 2,625 |
| Return on assets (ROA) | 0.9660% | 2,684 |
| Pretax return on assets | 1.4085% | 1,978 |
| Return on Equity (ROE) | 8.5037% | 2,945 |
| Retained earnings to average equity (ytd only) | 7.5736% | 1,544 |
| Net charge-offs to loans | 0.1333% | 2,455 |
| Credit loss provision to net charge-offs | 131.3869% | 1,762 |
| Earnings coverage of net charge-offs (x) | 18.4163% | 1,841 |
| Efficiency ratio | 57.8305% | 5,467 |
| Assets per employee ($millions) | 4.2777% | 3,338 |
| Cash dividends to net income (ytd only)* | 10.9384% | 3,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2436% | 885 |
| Loan loss allowance to noncurrent loans | 54.6953% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 3.5542% | 595 |
| Noncurrent loans to loans | 4.1020% | 501 |
| Net loans and leases to total assets | 59.0032% | 3,935 |
| Net loans and leases to deposits | 66.7539% | 4,257 |
| Net loans and leases to core deposits | 67.5382% | 4,551 |
| Total domestic deposits to total assets | 88.3892% | 1,559 |
| Equity capital to assets | 11.1050% | 2,856 |
| Core capital (leverage) ratio | 11.7288% | 1,892 |
| Tier 1 risk-based capital ratio | 16.8269% | 2,679 |
| Total risk-based capital ratio | 18.0685% | 2,628 |
| Memoranda: | ||
| Average total assets | $222,081,250 | 2,781 |
| Average earning assets | $200,986,250 | 2,818 |
| Average equity | $25,227,500 | 2,648 |
| Average total loans | $137,071,750 | 2,763 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9830% | 3,799 |
| Cost of funding earning assets | 0.4676% | 3,132 |
| Net interest margin | 3.5154% | 3,717 |
| Noninterest income to average assets | 0.3684% | 4,494 |
| Noninterest expense to average assets | 2.0020% | 5,839 |
| Loan and lease loss provision to assets | 0.1103% | 2,183 |
| Net operating income to assets | 0.9922% | 2,351 |
| Return on assets (ROA) | 0.9941% | 2,416 |
| Pretax return on assets | 1.4498% | 1,713 |
| Return on Equity (ROE) | 8.6811% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.2690% | 1,635 |
| Net charge-offs to loans | 0.2954% | 1,359 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 8.4750% | 2,488 |
| Efficiency ratio | 56.2468% | 5,718 |
| Assets per employee ($millions) | 3.9079% | 4,044 |
| Cash dividends to net income (ytd only)* | 16.2662% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2291% | 985 |
| Loan loss allowance to noncurrent loans | 53.2696% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 3.8178% | 584 |
| Noncurrent loans to loans | 4.1845% | 558 |
| Net loans and leases to total assets | 61.3903% | 3,505 |
| Net loans and leases to deposits | 69.9552% | 3,828 |
| Net loans and leases to core deposits | 70.8412% | 4,166 |
| Total domestic deposits to total assets | 87.7566% | 2,055 |
| Equity capital to assets | 11.7065% | 2,236 |
| Core capital (leverage) ratio | 11.6342% | 1,894 |
| Tier 1 risk-based capital ratio | 17.3185% | 2,494 |
| Total risk-based capital ratio | 18.5597% | 2,455 |
| Memoranda: | ||
| Average total assets | $217,684,330 | 2,838 |
| Average earning assets | $197,589,000 | 2,863 |
| Average equity | $24,927,670 | 2,667 |
| Average total loans | $135,427,670 | 2,788 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0094% | 3,644 |
| Cost of funding earning assets | 0.4757% | 3,170 |
| Net interest margin | 3.5337% | 3,555 |
| Noninterest income to average assets | 0.4680% | 3,650 |
| Noninterest expense to average assets | 2.0267% | 5,833 |
| Loan and lease loss provision to assets | 0.1105% | 2,097 |
| Net operating income to assets | 1.0556% | 1,982 |
| Return on assets (ROA) | 1.0594% | 2,040 |
| Pretax return on assets | 1.5255% | 1,352 |
| Return on Equity (ROE) | 9.3564% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.3564% | 1,145 |
| Net charge-offs to loans | 0.0268% | 3,034 |
| Credit loss provision to net charge-offs | 666.6667% | 422 |
| Earnings coverage of net charge-offs (x) | 98.3333% | 465 |
| Efficiency ratio | 55.4156% | 5,882 |
| Assets per employee ($millions) | 4.0578% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3881% | 928 |
| Loan loss allowance to noncurrent loans | 50.7145% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 3.8588% | 638 |
| Noncurrent loans to loans | 4.7090% | 495 |
| Net loans and leases to total assets | 58.4956% | 3,764 |
| Net loans and leases to deposits | 66.2941% | 4,060 |
| Net loans and leases to core deposits | 67.0011% | 4,399 |
| Total domestic deposits to total assets | 88.2365% | 2,089 |
| Equity capital to assets | 11.1909% | 2,534 |
| Core capital (leverage) ratio | 11.3864% | 2,062 |
| Tier 1 risk-based capital ratio | 17.4598% | 2,486 |
| Total risk-based capital ratio | 18.7219% | 2,455 |
| Memoranda: | ||
| Average total assets | $217,104,500 | 2,858 |
| Average earning assets | $195,939,500 | 2,899 |
| Average equity | $24,582,000 | 2,684 |
| Average total loans | $134,435,500 | 2,821 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,887 |
| Cost of funding earning assets | 0.4987% | 3,627 |
| Net interest margin | 3.5602% | 3,634 |
| Noninterest income to average assets | 0.5173% | 3,654 |
| Noninterest expense to average assets | 2.1907% | 5,651 |
| Loan and lease loss provision to assets | 0.0915% | 3,277 |
| Net operating income to assets | 1.0290% | 2,205 |
| Return on assets (ROA) | 1.0355% | 2,246 |
| Pretax return on assets | 1.5049% | 1,435 |
| Return on Equity (ROE) | 9.3093% | 2,410 |
| Retained earnings to average equity (ytd only) | 6.9503% | 1,452 |
| Net charge-offs to loans | 0.3991% | 1,695 |
| Credit loss provision to net charge-offs | 36.3806% | 4,116 |
| Earnings coverage of net charge-offs (x) | 6.3078% | 3,089 |
| Efficiency ratio | 57.9896% | 5,737 |
| Assets per employee ($millions) | 3.9817% | 3,899 |
| Cash dividends to net income (ytd only)* | 25.3400% | 3,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3260% | 1,015 |
| Loan loss allowance to noncurrent loans | 94.9260% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 2.6655% | 1,258 |
| Noncurrent loans to loans | 2.4503% | 1,557 |
| Net loans and leases to total assets | 62.5429% | 3,291 |
| Net loans and leases to deposits | 71.1196% | 3,639 |
| Net loans and leases to core deposits | 71.9199% | 4,082 |
| Total domestic deposits to total assets | 87.9405% | 2,209 |
| Equity capital to assets | 11.4620% | 2,197 |
| Core capital (leverage) ratio | 11.2467% | 2,158 |
| Tier 1 risk-based capital ratio | 17.1929% | 2,527 |
| Total risk-based capital ratio | 18.4543% | 2,501 |
| Memoranda: | ||
| Average total assets | $213,035,600 | 2,879 |
| Average earning assets | $195,102,200 | 2,886 |
| Average equity | $23,696,800 | 2,752 |
| Average total loans | $134,296,400 | 2,787 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0042% | 4,117 |
| Cost of funding earning assets | 0.4949% | 3,817 |
| Net interest margin | 3.5093% | 3,840 |
| Noninterest income to average assets | 0.5139% | 3,712 |
| Noninterest expense to average assets | 2.0911% | 5,850 |
| Loan and lease loss provision to assets | 0.0843% | 3,373 |
| Net operating income to assets | 1.0586% | 2,154 |
| Return on assets (ROA) | 1.0671% | 2,216 |
| Pretax return on assets | 1.5697% | 1,417 |
| Return on Equity (ROE) | 9.6658% | 2,325 |
| Retained earnings to average equity (ytd only) | 7.6297% | 1,576 |
| Net charge-offs to loans | 0.3928% | 1,634 |
| Credit loss provision to net charge-offs | 34.1772% | 3,819 |
| Earnings coverage of net charge-offs (x) | 6.6557% | 2,928 |
| Efficiency ratio | 56.0221% | 5,899 |
| Assets per employee ($millions) | 4.1608% | 3,500 |
| Cash dividends to net income (ytd only)* | 21.0650% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4392% | 999 |
| Loan loss allowance to noncurrent loans | 83.8928% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.6160% | 1,446 |
| Noncurrent loans to loans | 2.9075% | 1,408 |
| Net loans and leases to total assets | 58.4745% | 3,928 |
| Net loans and leases to deposits | 65.9060% | 4,319 |
| Net loans and leases to core deposits | 66.6948% | 4,651 |
| Total domestic deposits to total assets | 88.7242% | 1,709 |
| Equity capital to assets | 10.8314% | 2,931 |
| Core capital (leverage) ratio | 11.4427% | 2,088 |
| Tier 1 risk-based capital ratio | 17.4806% | 2,516 |
| Total risk-based capital ratio | 18.7437% | 2,476 |
| Memoranda: | ||
| Average total assets | $213,537,500 | 2,907 |
| Average earning assets | $195,858,250 | 2,902 |
| Average equity | $23,574,000 | 2,795 |
| Average total loans | $134,089,000 | 2,803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 4,099 |
| Cost of funding earning assets | 0.5031% | 3,870 |
| Net interest margin | 3.4990% | 3,786 |
| Noninterest income to average assets | 0.4810% | 3,956 |
| Noninterest expense to average assets | 2.1173% | 5,836 |
| Loan and lease loss provision to assets | 0.0426% | 4,108 |
| Net operating income to assets | 1.0496% | 2,113 |
| Return on assets (ROA) | 1.0625% | 2,185 |
| Pretax return on assets | 1.5672% | 1,446 |
| Return on Equity (ROE) | 9.5611% | 2,391 |
| Retained earnings to average equity (ytd only) | 6.4934% | 2,150 |
| Net charge-offs to loans | 0.1410% | 2,970 |
| Credit loss provision to net charge-offs | 47.3684% | 3,265 |
| Earnings coverage of net charge-offs (x) | 17.6842% | 1,592 |
| Efficiency ratio | 57.0991% | 5,842 |
| Assets per employee ($millions) | 3.8413% | 4,130 |
| Cash dividends to net income (ytd only)* | 32.0856% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4769% | 1,006 |
| Loan loss allowance to noncurrent loans | 59.3194% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 2.7529% | 1,506 |
| Noncurrent loans to loans | 4.1756% | 901 |
| Net loans and leases to total assets | 63.9965% | 2,914 |
| Net loans and leases to deposits | 74.1379% | 3,132 |
| Net loans and leases to core deposits | 75.1754% | 3,649 |
| Total domestic deposits to total assets | 86.3209% | 3,192 |
| Equity capital to assets | 11.0654% | 2,693 |
| Core capital (leverage) ratio | 11.2525% | 2,128 |
| Tier 1 risk-based capital ratio | 16.4484% | 2,960 |
| Total risk-based capital ratio | 17.6924% | 2,921 |
| Memoranda: | ||
| Average total assets | $211,208,330 | 2,946 |
| Average earning assets | $194,796,330 | 2,931 |
| Average equity | $23,470,000 | 2,825 |
| Average total loans | $134,727,000 | 2,789 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 4,260 |
| Cost of funding earning assets | 0.5124% | 3,948 |
| Net interest margin | 3.4489% | 3,915 |
| Noninterest income to average assets | 0.2898% | 5,385 |
| Noninterest expense to average assets | 2.0021% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9984% | 2,229 |
| Return on assets (ROA) | 1.0228% | 2,247 |
| Pretax return on assets | 1.4983% | 1,558 |
| Return on Equity (ROE) | 9.1852% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.1852% | 1,323 |
| Net charge-offs to loans | -0.0512% | 6,151 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7911% | 5,873 |
| Assets per employee ($millions) | 3.9486% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6702% | 945 |
| Loan loss allowance to noncurrent loans | 56.1508% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 2.9682% | 1,514 |
| Noncurrent loans to loans | 4.7554% | 834 |
| Net loans and leases to total assets | 59.8484% | 3,455 |
| Net loans and leases to deposits | 68.4149% | 3,719 |
| Net loans and leases to core deposits | 68.8178% | 4,205 |
| Total domestic deposits to total assets | 87.4786% | 2,641 |
| Equity capital to assets | 11.1290% | 2,814 |
| Core capital (leverage) ratio | 11.2747% | 2,038 |
| Tier 1 risk-based capital ratio | 16.2122% | 3,150 |
| Total risk-based capital ratio | 17.4107% | 3,130 |
| Memoranda: | ||
| Average total assets | $211,177,000 | 2,967 |
| Average earning assets | $194,382,500 | 2,965 |
| Average equity | $23,516,000 | 2,853 |
| Average total loans | $132,770,500 | 2,844 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 4,214 |
| Cost of funding earning assets | 0.7191% | 3,335 |
| Net interest margin | 3.5743% | 4,209 |
| Noninterest income to average assets | 0.6066% | 3,245 |
| Noninterest expense to average assets | 2.0928% | 6,145 |
| Loan and lease loss provision to assets | 0.3016% | 2,266 |
| Net operating income to assets | 1.0500% | 2,123 |
| Return on assets (ROA) | 1.0587% | 2,283 |
| Pretax return on assets | 1.5471% | 1,531 |
| Return on Equity (ROE) | 9.6318% | 2,346 |
| Retained earnings to average equity (ytd only) | 8.2934% | 1,035 |
| Net charge-offs to loans | 0.2554% | 3,411 |
| Credit loss provision to net charge-offs | 183.5821% | 1,432 |
| Earnings coverage of net charge-offs (x) | 11.1761% | 2,063 |
| Efficiency ratio | 53.2701% | 6,350 |
| Assets per employee ($millions) | 4.0217% | 3,903 |
| Cash dividends to net income (ytd only)* | 13.8953% | 3,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5917% | 1,025 |
| Loan loss allowance to noncurrent loans | 58.9210% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 2.9489% | 1,608 |
| Noncurrent loans to loans | 4.3987% | 986 |
| Net loans and leases to total assets | 62.6141% | 3,147 |
| Net loans and leases to deposits | 71.7001% | 3,458 |
| Net loans and leases to core deposits | 72.1298% | 4,028 |
| Total domestic deposits to total assets | 87.3278% | 2,629 |
| Equity capital to assets | 11.1425% | 2,797 |
| Core capital (leverage) ratio | 11.2080% | 2,086 |
| Tier 1 risk-based capital ratio | 15.5160% | 3,413 |
| Total risk-based capital ratio | 16.7149% | 3,410 |
| Memoranda: | ||
| Average total assets | $203,933,200 | 3,004 |
| Average earning assets | $189,549,800 | 2,967 |
| Average equity | $22,415,400 | 2,928 |
| Average total loans | $131,173,200 | 2,865 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 4,402 |
| Cost of funding earning assets | 0.7385% | 3,445 |
| Net interest margin | 3.5755% | 4,338 |
| Noninterest income to average assets | 0.5968% | 3,296 |
| Noninterest expense to average assets | 2.1009% | 6,161 |
| Loan and lease loss provision to assets | 0.2685% | 2,430 |
| Net operating income to assets | 1.0732% | 2,197 |
| Return on assets (ROA) | 1.0850% | 2,348 |
| Pretax return on assets | 1.5765% | 1,654 |
| Return on Equity (ROE) | 9.9064% | 2,386 |
| Retained earnings to average equity (ytd only) | 8.1042% | 1,573 |
| Net charge-offs to loans | 0.3488% | 2,706 |
| Credit loss provision to net charge-offs | 119.6481% | 2,422 |
| Earnings coverage of net charge-offs (x) | 8.1465% | 2,499 |
| Efficiency ratio | 53.4751% | 6,306 |
| Assets per employee ($millions) | 3.8429% | 4,208 |
| Cash dividends to net income (ytd only)* | 18.1929% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4566% | 1,259 |
| Loan loss allowance to noncurrent loans | 56.7389% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.9616% | 1,766 |
| Noncurrent loans to loans | 4.3296% | 1,121 |
| Net loans and leases to total assets | 63.7694% | 3,062 |
| Net loans and leases to deposits | 74.1934% | 3,254 |
| Net loans and leases to core deposits | 74.6570% | 3,897 |
| Total domestic deposits to total assets | 85.9502% | 3,283 |
| Equity capital to assets | 11.2635% | 2,967 |
| Core capital (leverage) ratio | 11.0009% | 2,380 |
| Tier 1 risk-based capital ratio | 15.3858% | 3,602 |
| Total risk-based capital ratio | 16.5824% | 3,586 |
| Memoranda: | ||
| Average total assets | $202,634,750 | 3,046 |
| Average earning assets | $188,838,000 | 3,003 |
| Average equity | $22,193,750 | 2,977 |
| Average total loans | $130,359,750 | 2,911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 4,690 |
| Cost of funding earning assets | 0.7481% | 3,616 |
| Net interest margin | 3.5211% | 4,588 |
| Noninterest income to average assets | 0.5596% | 3,526 |
| Noninterest expense to average assets | 2.0723% | 6,289 |
| Loan and lease loss provision to assets | 0.2551% | 2,538 |
| Net operating income to assets | 1.0500% | 2,250 |
| Return on assets (ROA) | 1.0500% | 2,480 |
| Pretax return on assets | 1.5315% | 1,774 |
| Return on Equity (ROE) | 9.6789% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.9447% | 2,133 |
| Net charge-offs to loans | 0.1066% | 4,115 |
| Credit loss provision to net charge-offs | 373.9130% | 798 |
| Earnings coverage of net charge-offs (x) | 26.1884% | 1,175 |
| Efficiency ratio | 53.7023% | 6,342 |
| Assets per employee ($millions) | 3.8130% | 4,280 |
| Cash dividends to net income (ytd only)* | 28.2486% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 1,179 |
| Loan loss allowance to noncurrent loans | 93.9629% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.8200% | 3,013 |
| Noncurrent loans to loans | 2.7396% | 2,194 |
| Net loans and leases to total assets | 63.5437% | 3,134 |
| Net loans and leases to deposits | 73.4889% | 3,382 |
| Net loans and leases to core deposits | 73.9472% | 4,042 |
| Total domestic deposits to total assets | 86.4670% | 3,092 |
| Equity capital to assets | 11.0836% | 3,033 |
| Core capital (leverage) ratio | 10.7891% | 2,491 |
| Tier 1 risk-based capital ratio | 14.9497% | 3,798 |
| Total risk-based capital ratio | 16.1477% | 3,783 |
| Memoranda: | ||
| Average total assets | $202,287,670 | 3,059 |
| Average earning assets | $189,542,330 | 3,001 |
| Average equity | $21,944,670 | 2,989 |
| Average total loans | $129,428,330 | 2,937 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 4,879 |
| Cost of funding earning assets | 0.7610% | 3,782 |
| Net interest margin | 3.5024% | 4,686 |
| Noninterest income to average assets | 0.5060% | 3,873 |
| Noninterest expense to average assets | 2.0930% | 6,282 |
| Loan and lease loss provision to assets | 0.2589% | 2,387 |
| Net operating income to assets | 0.9783% | 2,564 |
| Return on assets (ROA) | 0.9783% | 2,769 |
| Pretax return on assets | 1.4467% | 2,032 |
| Return on Equity (ROE) | 9.1171% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.1171% | 1,546 |
| Net charge-offs to loans | 0.1216% | 3,380 |
| Credit loss provision to net charge-offs | 335.8974% | 892 |
| Earnings coverage of net charge-offs (x) | 22.1282% | 1,136 |
| Efficiency ratio | 55.0989% | 6,215 |
| Assets per employee ($millions) | 4.0347% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5963% | 1,230 |
| Loan loss allowance to noncurrent loans | 69.2728% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 2.3497% | 2,536 |
| Noncurrent loans to loans | 3.7479% | 1,659 |
| Net loans and leases to total assets | 60.0935% | 3,645 |
| Net loans and leases to deposits | 69.5273% | 3,799 |
| Net loans and leases to core deposits | 70.2813% | 4,374 |
| Total domestic deposits to total assets | 86.4315% | 3,286 |
| Equity capital to assets | 10.6857% | 3,286 |
| Core capital (leverage) ratio | 10.6875% | 2,558 |
| Tier 1 risk-based capital ratio | 15.5196% | 3,436 |
| Total risk-based capital ratio | 16.7147% | 3,437 |
| Memoranda: | ||
| Average total assets | $202,386,000 | 3,081 |
| Average earning assets | $190,271,000 | 3,013 |
| Average equity | $21,717,500 | 3,007 |
| Average total loans | $128,238,000 | 2,974 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 4,012 |
| Cost of funding earning assets | 0.8458% | 4,496 |
| Net interest margin | 3.9082% | 3,301 |
| Noninterest income to average assets | 0.5471% | 3,531 |
| Noninterest expense to average assets | 2.1381% | 6,413 |
| Loan and lease loss provision to assets | 0.2664% | 3,554 |
| Net operating income to assets | 1.1877% | 1,535 |
| Return on assets (ROA) | 1.1884% | 1,651 |
| Pretax return on assets | 1.7862% | 827 |
| Return on Equity (ROE) | 11.4655% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.4655% | 351 |
| Net charge-offs to loans | 0.0449% | 5,858 |
| Credit loss provision to net charge-offs | 866.6667% | 258 |
| Earnings coverage of net charge-offs (x) | 66.7500% | 445 |
| Efficiency ratio | 51.0331% | 6,773 |
| Assets per employee ($millions) | 3.7547% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4737% | 1,353 |
| Loan loss allowance to noncurrent loans | 68.7849% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 2.5136% | 2,419 |
| Noncurrent loans to loans | 3.5962% | 1,775 |
| Net loans and leases to total assets | 63.4776% | 3,295 |
| Net loans and leases to deposits | 73.7051% | 3,544 |
| Net loans and leases to core deposits | 74.4804% | 4,180 |
| Total domestic deposits to total assets | 86.1237% | 3,246 |
| Equity capital to assets | 10.7773% | 3,217 |
| Core capital (leverage) ratio | 10.5790% | 2,634 |
| Tier 1 risk-based capital ratio | 14.9354% | 3,677 |
| Total risk-based capital ratio | 16.1308% | 3,684 |
| Memoranda: | ||
| Average total assets | $195,221,000 | 3,111 |
| Average earning assets | $181,949,000 | 3,064 |
| Average equity | $20,234,600 | 3,100 |
| Average total loans | $133,596,400 | 2,930 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8125% | 3,973 |
| Cost of funding earning assets | 0.8474% | 4,791 |
| Net interest margin | 3.9651% | 3,074 |
| Noninterest income to average assets | 0.5133% | 3,772 |
| Noninterest expense to average assets | 2.1035% | 6,501 |
| Loan and lease loss provision to assets | 0.2539% | 3,471 |
| Net operating income to assets | 1.2550% | 1,503 |
| Return on assets (ROA) | 1.2573% | 1,601 |
| Pretax return on assets | 1.8523% | 856 |
| Return on Equity (ROE) | 12.2550% | 1,475 |
| Retained earnings to average equity (ytd only) | 12.2550% | 475 |
| Net charge-offs to loans | 0.0604% | 5,363 |
| Credit loss provision to net charge-offs | 606.5574% | 443 |
| Earnings coverage of net charge-offs (x) | 50.2303% | 643 |
| Efficiency ratio | 50.0082% | 6,827 |
| Assets per employee ($millions) | 3.8608% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2529% | 1,768 |
| Loan loss allowance to noncurrent loans | 67.3803% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 2.4282% | 2,655 |
| Noncurrent loans to loans | 3.3436% | 2,063 |
| Net loans and leases to total assets | 65.9775% | 2,906 |
| Net loans and leases to deposits | 76.9538% | 3,173 |
| Net loans and leases to core deposits | 78.0672% | 3,902 |
| Total domestic deposits to total assets | 85.7365% | 3,358 |
| Equity capital to assets | 10.4705% | 3,741 |
| Core capital (leverage) ratio | 10.7569% | 2,608 |
| Tier 1 risk-based capital ratio | 14.2787% | 4,141 |
| Total risk-based capital ratio | 15.4735% | 4,146 |
| Memoranda: | ||
| Average total assets | $194,276,000 | 3,141 |
| Average earning assets | $180,942,250 | 3,097 |
| Average equity | $19,931,500 | 3,153 |
| Average total loans | $134,614,250 | 2,929 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 3,918 |
| Cost of funding earning assets | 0.8529% | 5,041 |
| Net interest margin | 3.9852% | 2,911 |
| Noninterest income to average assets | 0.5403% | 3,557 |
| Noninterest expense to average assets | 2.0977% | 6,596 |
| Loan and lease loss provision to assets | 0.2707% | 3,230 |
| Net operating income to assets | 1.2812% | 1,366 |
| Return on assets (ROA) | 1.2763% | 1,445 |
| Pretax return on assets | 1.8958% | 714 |
| Return on Equity (ROE) | 12.5305% | 1,330 |
| Retained earnings to average equity (ytd only) | 12.5305% | 451 |
| Net charge-offs to loans | 0.0998% | 4,683 |
| Credit loss provision to net charge-offs | 388.0597% | 777 |
| Earnings coverage of net charge-offs (x) | 31.1642% | 892 |
| Efficiency ratio | 49.1104% | 6,999 |
| Assets per employee ($millions) | 3.5285% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 1,826 |
| Loan loss allowance to noncurrent loans | 70.8223% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 2.5207% | 2,642 |
| Noncurrent loans to loans | 3.1724% | 2,259 |
| Net loans and leases to total assets | 67.0655% | 2,812 |
| Net loans and leases to deposits | 78.6163% | 3,020 |
| Net loans and leases to core deposits | 79.6934% | 3,831 |
| Total domestic deposits to total assets | 85.3075% | 3,724 |
| Equity capital to assets | 10.6645% | 3,319 |
| Core capital (leverage) ratio | 10.4753% | 2,738 |
| Tier 1 risk-based capital ratio | 14.5030% | 3,785 |
| Total risk-based capital ratio | 15.6946% | 3,798 |
| Memoranda: | ||
| Average total assets | $192,113,330 | 3,196 |
| Average earning assets | $179,865,000 | 3,137 |
| Average equity | $19,568,330 | 3,189 |
| Average total loans | $134,315,000 | 2,956 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8134% | 3,999 |
| Cost of funding earning assets | 0.8579% | 5,230 |
| Net interest margin | 3.9555% | 2,891 |
| Noninterest income to average assets | 0.5391% | 3,588 |
| Noninterest expense to average assets | 2.0964% | 6,644 |
| Loan and lease loss provision to assets | 0.3110% | 2,680 |
| Net operating income to assets | 1.2457% | 1,396 |
| Return on assets (ROA) | 1.2359% | 1,493 |
| Pretax return on assets | 1.8268% | 777 |
| Return on Equity (ROE) | 12.4215% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.4215% | 674 |
| Net charge-offs to loans | 0.1793% | 3,418 |
| Credit loss provision to net charge-offs | 245.9016% | 1,277 |
| Earnings coverage of net charge-offs (x) | 17.0164% | 1,237 |
| Efficiency ratio | 49.3411% | 7,040 |
| Assets per employee ($millions) | 3.6374% | 4,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 2,278 |
| Loan loss allowance to noncurrent loans | 103.8095% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 3,645 |
| Noncurrent loans to loans | 1.9800% | 3,598 |
| Net loans and leases to total assets | 68.7520% | 2,391 |
| Net loans and leases to deposits | 80.4123% | 2,633 |
| Net loans and leases to core deposits | 82.2479% | 3,424 |
| Total domestic deposits to total assets | 85.4994% | 3,782 |
| Equity capital to assets | 9.9089% | 3,889 |
| Core capital (leverage) ratio | 10.1136% | 3,011 |
| Tier 1 risk-based capital ratio | 13.3260% | 4,556 |
| Total risk-based capital ratio | 14.5188% | 4,579 |
| Memoranda: | ||
| Average total assets | $192,900,500 | 3,207 |
| Average earning assets | $180,913,500 | 3,130 |
| Average equity | $19,192,500 | 3,231 |
| Average total loans | $136,111,000 | 2,966 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9303% | 4,875 |
| Cost of funding earning assets | 1.2153% | 4,454 |
| Net interest margin | 3.7149% | 4,288 |
| Noninterest income to average assets | 0.5631% | 3,719 |
| Noninterest expense to average assets | 2.2484% | 6,484 |
| Loan and lease loss provision to assets | 0.2966% | 4,425 |
| Net operating income to assets | 0.9727% | 2,128 |
| Return on assets (ROA) | 0.9799% | 2,220 |
| Pretax return on assets | 1.4545% | 1,500 |
| Return on Equity (ROE) | 9.9478% | 1,948 |
| Retained earnings to average equity (ytd only) | 7.7688% | 1,052 |
| Net charge-offs to loans | 0.2561% | 4,753 |
| Credit loss provision to net charge-offs | 172.9560% | 1,947 |
| Earnings coverage of net charge-offs (x) | 10.1478% | 1,749 |
| Efficiency ratio | 56.3683% | 6,549 |
| Assets per employee ($millions) | 3.5732% | 4,768 |
| Cash dividends to net income (ytd only)* | 21.9042% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0425% | 2,197 |
| Loan loss allowance to noncurrent loans | 93.1749% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 3,444 |
| Noncurrent loans to loans | 2.1921% | 3,324 |
| Net loans and leases to total assets | 69.4902% | 2,664 |
| Net loans and leases to deposits | 81.5312% | 2,902 |
| Net loans and leases to core deposits | 83.2018% | 3,719 |
| Total domestic deposits to total assets | 85.2314% | 3,738 |
| Equity capital to assets | 9.9914% | 3,749 |
| Core capital (leverage) ratio | 9.8935% | 3,217 |
| Tier 1 risk-based capital ratio | 13.1660% | 4,476 |
| Total risk-based capital ratio | 14.3573% | 4,481 |
| Memoranda: | ||
| Average total assets | $185,418,200 | 3,291 |
| Average earning assets | $170,985,000 | 3,264 |
| Average equity | $18,265,400 | 3,386 |
| Average total loans | $124,170,000 | 3,231 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9547% | 5,016 |
| Cost of funding earning assets | 1.2873% | 4,311 |
| Net interest margin | 3.6675% | 4,556 |
| Noninterest income to average assets | 0.5603% | 3,710 |
| Noninterest expense to average assets | 2.2505% | 6,462 |
| Loan and lease loss provision to assets | 0.2892% | 4,265 |
| Net operating income to assets | 0.9066% | 2,579 |
| Return on assets (ROA) | 0.9160% | 2,693 |
| Pretax return on assets | 1.4047% | 1,868 |
| Return on Equity (ROE) | 9.3324% | 2,375 |
| Retained earnings to average equity (ytd only) | 6.4009% | 2,138 |
| Net charge-offs to loans | 0.3387% | 3,949 |
| Credit loss provision to net charge-offs | 129.4498% | 3,127 |
| Earnings coverage of net charge-offs (x) | 7.5178% | 2,313 |
| Efficiency ratio | 57.2664% | 6,381 |
| Assets per employee ($millions) | 3.5367% | 4,889 |
| Cash dividends to net income (ytd only)* | 31.4126% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1020% | 1,993 |
| Loan loss allowance to noncurrent loans | 138.0170% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3732% | 4,423 |
| Noncurrent loans to loans | 1.5230% | 4,355 |
| Net loans and leases to total assets | 64.6771% | 3,976 |
| Net loans and leases to deposits | 76.6702% | 4,059 |
| Net loans and leases to core deposits | 78.1333% | 4,788 |
| Total domestic deposits to total assets | 84.3575% | 3,935 |
| Equity capital to assets | 9.9112% | 4,276 |
| Core capital (leverage) ratio | 9.9248% | 3,327 |
| Tier 1 risk-based capital ratio | 13.7981% | 3,983 |
| Total risk-based capital ratio | 14.9846% | 3,988 |
| Memoranda: | ||
| Average total assets | $184,427,250 | 3,354 |
| Average earning assets | $169,450,000 | 3,332 |
| Average equity | $18,101,250 | 3,456 |
| Average total loans | $121,626,000 | 3,335 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9911% | 4,981 |
| Cost of funding earning assets | 1.3517% | 4,183 |
| Net interest margin | 3.6394% | 4,633 |
| Noninterest income to average assets | 0.6030% | 3,322 |
| Noninterest expense to average assets | 2.2735% | 6,426 |
| Loan and lease loss provision to assets | 0.3271% | 3,781 |
| Net operating income to assets | 0.8658% | 2,673 |
| Return on assets (ROA) | 0.8658% | 2,808 |
| Pretax return on assets | 1.3346% | 1,997 |
| Return on Equity (ROE) | 8.8506% | 2,527 |
| Retained earnings to average equity (ytd only) | 4.4141% | 3,268 |
| Net charge-offs to loans | 0.4483% | 3,187 |
| Credit loss provision to net charge-offs | 110.7011% | 3,667 |
| Earnings coverage of net charge-offs (x) | 5.6236% | 2,629 |
| Efficiency ratio | 57.7722% | 6,404 |
| Assets per employee ($millions) | 3.2260% | 5,617 |
| Cash dividends to net income (ytd only)* | 50.1259% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 2,109 |
| Loan loss allowance to noncurrent loans | 147.9907% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 1.6374% | 3,978 |
| Noncurrent loans to loans | 1.3742% | 4,647 |
| Net loans and leases to total assets | 67.7555% | 3,438 |
| Net loans and leases to deposits | 80.6689% | 3,488 |
| Net loans and leases to core deposits | 81.2133% | 4,525 |
| Total domestic deposits to total assets | 83.9921% | 4,110 |
| Equity capital to assets | 10.0712% | 3,923 |
| Core capital (leverage) ratio | 9.8431% | 3,349 |
| Tier 1 risk-based capital ratio | 13.3275% | 4,185 |
| Total risk-based capital ratio | 14.5144% | 4,196 |
| Memoranda: | ||
| Average total assets | $183,421,330 | 3,396 |
| Average earning assets | $167,939,670 | 3,377 |
| Average equity | $17,942,330 | 3,476 |
| Average total loans | $120,889,000 | 3,391 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9241% | 5,337 |
| Cost of funding earning assets | 1.3981% | 4,190 |
| Net interest margin | 3.5260% | 5,056 |
| Noninterest income to average assets | 0.4762% | 4,230 |
| Noninterest expense to average assets | 2.1926% | 6,706 |
| Loan and lease loss provision to assets | 0.3247% | 3,465 |
| Net operating income to assets | 0.7792% | 3,066 |
| Return on assets (ROA) | 0.7792% | 3,172 |
| Pretax return on assets | 1.1904% | 2,393 |
| Return on Equity (ROE) | 8.0824% | 2,849 |
| Retained earnings to average equity (ytd only) | 3.3677% | 4,138 |
| Net charge-offs to loans | 0.2591% | 3,378 |
| Credit loss provision to net charge-offs | 194.8052% | 1,902 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 1,896 |
| Efficiency ratio | 59.1360% | 6,318 |
| Assets per employee ($millions) | 3.4626% | 5,120 |
| Cash dividends to net income (ytd only)* | 58.3333% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1898% | 1,779 |
| Loan loss allowance to noncurrent loans | 89.1379% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 3,856 |
| Noncurrent loans to loans | 2.4566% | 3,214 |
| Net loans and leases to total assets | 61.7505% | 4,810 |
| Net loans and leases to deposits | 74.4226% | 4,678 |
| Net loans and leases to core deposits | 74.7890% | 5,415 |
| Total domestic deposits to total assets | 82.9728% | 4,641 |
| Equity capital to assets | 9.5442% | 4,459 |
| Core capital (leverage) ratio | 9.6029% | 3,639 |
| Tier 1 risk-based capital ratio | 13.8417% | 3,772 |
| Total risk-based capital ratio | 15.0262% | 3,767 |
| Memoranda: | ||
| Average total assets | $184,805,000 | 3,432 |
| Average earning assets | $169,372,000 | 3,411 |
| Average equity | $17,816,500 | 3,517 |
| Average total loans | $118,861,500 | 3,476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 3,889 |
| Cost of funding earning assets | 1.6404% | 4,842 |
| Net interest margin | 3.9070% | 3,240 |
| Noninterest income to average assets | 0.6211% | 3,481 |
| Noninterest expense to average assets | 2.5169% | 6,069 |
| Loan and lease loss provision to assets | 0.3382% | 4,772 |
| Net operating income to assets | 0.8657% | 2,293 |
| Return on assets (ROA) | 0.8765% | 2,324 |
| Pretax return on assets | 1.3337% | 1,604 |
| Return on Equity (ROE) | 8.7794% | 2,094 |
| Retained earnings to average equity (ytd only) | 5.9522% | 1,370 |
| Net charge-offs to loans | 0.6325% | 3,310 |
| Credit loss provision to net charge-offs | 77.1277% | 6,354 |
| Earnings coverage of net charge-offs (x) | 3.7753% | 3,204 |
| Efficiency ratio | 60.3215% | 6,433 |
| Assets per employee ($millions) | 3.3205% | 5,456 |
| Cash dividends to net income (ytd only)* | 32.2023% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0990% | 1,827 |
| Loan loss allowance to noncurrent loans | 75.1871% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.9937% | 3,410 |
| Noncurrent loans to loans | 2.7917% | 2,765 |
| Net loans and leases to total assets | 64.1543% | 4,570 |
| Net loans and leases to deposits | 77.5518% | 4,466 |
| Net loans and leases to core deposits | 83.5488% | 5,760 |
| Total domestic deposits to total assets | 82.7244% | 4,648 |
| Equity capital to assets | 9.7395% | 4,089 |
| Core capital (leverage) ratio | 9.5546% | 3,656 |
| Tier 1 risk-based capital ratio | 13.4472% | 3,852 |
| Total risk-based capital ratio | 14.6319% | 3,835 |
| Memoranda: | ||
| Average total assets | $171,481,000 | 3,584 |
| Average earning assets | $155,875,800 | 3,597 |
| Average equity | $17,119,600 | 3,650 |
| Average total loans | $118,885,200 | 3,503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6431% | 3,613 |
| Cost of funding earning assets | 1.6656% | 5,084 |
| Net interest margin | 3.9776% | 2,902 |
| Noninterest income to average assets | 0.6260% | 3,521 |
| Noninterest expense to average assets | 2.5126% | 6,032 |
| Loan and lease loss provision to assets | 0.3399% | 4,298 |
| Net operating income to assets | 0.8974% | 2,431 |
| Return on assets (ROA) | 0.8994% | 2,492 |
| Pretax return on assets | 1.3950% | 1,707 |
| Return on Equity (ROE) | 8.9502% | 2,277 |
| Retained earnings to average equity (ytd only) | 5.7335% | 2,085 |
| Net charge-offs to loans | 0.2483% | 4,499 |
| Credit loss provision to net charge-offs | 194.5701% | 2,317 |
| Earnings coverage of net charge-offs (x) | 9.9140% | 2,040 |
| Efficiency ratio | 59.1993% | 6,532 |
| Assets per employee ($millions) | 3.2676% | 5,473 |
| Cash dividends to net income (ytd only)* | 35.9402% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4870% | 1,077 |
| Loan loss allowance to noncurrent loans | 103.3214% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 2.6721% | 2,608 |
| Noncurrent loans to loans | 2.4071% | 3,129 |
| Net loans and leases to total assets | 64.2841% | 4,799 |
| Net loans and leases to deposits | 79.5710% | 4,462 |
| Net loans and leases to core deposits | 85.4405% | 5,923 |
| Total domestic deposits to total assets | 80.7884% | 5,158 |
| Equity capital to assets | 9.9529% | 4,150 |
| Core capital (leverage) ratio | 9.7032% | 3,639 |
| Tier 1 risk-based capital ratio | 13.5894% | 3,784 |
| Total risk-based capital ratio | 14.7768% | 3,765 |
| Memoranda: | ||
| Average total assets | $168,694,500 | 3,650 |
| Average earning assets | $153,457,250 | 3,660 |
| Average equity | $16,952,750 | 3,712 |
| Average total loans | $118,687,750 | 3,542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7500% | 3,294 |
| Cost of funding earning assets | 1.6626% | 5,459 |
| Net interest margin | 4.0874% | 2,367 |
| Noninterest income to average assets | 0.6526% | 3,322 |
| Noninterest expense to average assets | 2.5333% | 6,006 |
| Loan and lease loss provision to assets | 0.3371% | 3,920 |
| Net operating income to assets | 0.9565% | 2,259 |
| Return on assets (ROA) | 0.9596% | 2,344 |
| Pretax return on assets | 1.4930% | 1,463 |
| Return on Equity (ROE) | 9.5166% | 2,185 |
| Retained earnings to average equity (ytd only) | 4.6329% | 2,718 |
| Net charge-offs to loans | 0.3314% | 3,528 |
| Credit loss provision to net charge-offs | 141.4141% | 3,295 |
| Earnings coverage of net charge-offs (x) | 7.6566% | 2,411 |
| Efficiency ratio | 58.1215% | 6,850 |
| Assets per employee ($millions) | 3.2246% | 5,523 |
| Cash dividends to net income (ytd only)* | 51.3174% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2216% | 1,205 |
| Loan loss allowance to noncurrent loans | 103.6732% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 2.7991% | 2,300 |
| Noncurrent loans to loans | 2.1429% | 3,321 |
| Net loans and leases to total assets | 69.9145% | 3,720 |
| Net loans and leases to deposits | 86.4840% | 3,464 |
| Net loans and leases to core deposits | 92.3876% | 5,304 |
| Total domestic deposits to total assets | 80.8410% | 5,132 |
| Equity capital to assets | 9.7871% | 4,230 |
| Core capital (leverage) ratio | 10.0644% | 3,223 |
| Tier 1 risk-based capital ratio | 12.6497% | 4,393 |
| Total risk-based capital ratio | 13.8016% | 4,403 |
| Memoranda: | ||
| Average total assets | $166,109,000 | 3,704 |
| Average earning assets | $150,608,000 | 3,733 |
| Average equity | $16,749,670 | 3,766 |
| Average total loans | $119,476,000 | 3,547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9286% | 2,655 |
| Cost of funding earning assets | 1.6815% | 5,682 |
| Net interest margin | 4.2471% | 1,758 |
| Noninterest income to average assets | 0.6663% | 3,098 |
| Noninterest expense to average assets | 2.5071% | 5,812 |
| Loan and lease loss provision to assets | 0.3208% | 3,408 |
| Net operating income to assets | 1.0844% | 2,016 |
| Return on assets (ROA) | 1.0907% | 2,123 |
| Pretax return on assets | 1.7125% | 1,152 |
| Return on Equity (ROE) | 10.6484% | 2,089 |
| Retained earnings to average equity (ytd only) | 1.7105% | 4,891 |
| Net charge-offs to loans | 0.6361% | 1,906 |
| Credit loss provision to net charge-offs | 69.8925% | 4,356 |
| Earnings coverage of net charge-offs (x) | 4.4086% | 2,893 |
| Efficiency ratio | 55.3377% | 7,064 |
| Assets per employee ($millions) | 3.1234% | 5,831 |
| Cash dividends to net income (ytd only)* | 83.9367% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2117% | 1,069 |
| Loan loss allowance to noncurrent loans | 147.7234% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 2.3933% | 2,392 |
| Noncurrent loans to loans | 1.4972% | 4,043 |
| Net loans and leases to total assets | 71.5402% | 3,341 |
| Net loans and leases to deposits | 86.6923% | 3,520 |
| Net loans and leases to core deposits | 93.1862% | 5,237 |
| Total domestic deposits to total assets | 82.5219% | 4,366 |
| Equity capital to assets | 10.2848% | 3,667 |
| Core capital (leverage) ratio | 10.2704% | 3,138 |
| Tier 1 risk-based capital ratio | 13.1011% | 4,120 |
| Total risk-based capital ratio | 14.2859% | 4,081 |
| Memoranda: | ||
| Average total assets | $162,100,000 | 3,792 |
| Average earning assets | $147,487,500 | 3,801 |
| Average equity | $16,603,500 | 3,809 |
| Average total loans | $116,961,000 | 3,624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1345% | 4,867 |
| Cost of funding earning assets | 2.2051% | 5,575 |
| Net interest margin | 3.9293% | 3,449 |
| Noninterest income to average assets | 0.6391% | 3,561 |
| Noninterest expense to average assets | 2.3918% | 6,423 |
| Loan and lease loss provision to assets | 0.3074% | 3,913 |
| Net operating income to assets | 0.9996% | 2,562 |
| Return on assets (ROA) | 0.9996% | 2,439 |
| Pretax return on assets | 1.5446% | 1,554 |
| Return on Equity (ROE) | 9.8182% | 2,326 |
| Retained earnings to average equity (ytd only) | 6.1891% | 1,445 |
| Net charge-offs to loans | 0.1540% | 4,658 |
| Credit loss provision to net charge-offs | 275.8621% | 1,659 |
| Earnings coverage of net charge-offs (x) | 16.6207% | 1,831 |
| Efficiency ratio | 56.3603% | 6,959 |
| Assets per employee ($millions) | 3.1723% | 5,559 |
| Cash dividends to net income (ytd only)* | 36.9635% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3318% | 815 |
| Loan loss allowance to noncurrent loans | 132.6087% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 2.3562% | 2,062 |
| Noncurrent loans to loans | 1.7584% | 3,126 |
| Net loans and leases to total assets | 69.4860% | 4,148 |
| Net loans and leases to deposits | 82.6360% | 4,633 |
| Net loans and leases to core deposits | 89.5326% | 5,844 |
| Total domestic deposits to total assets | 84.0869% | 3,285 |
| Equity capital to assets | 10.2006% | 3,806 |
| Core capital (leverage) ratio | 10.3400% | 3,129 |
| Tier 1 risk-based capital ratio | 13.6416% | 3,728 |
| Total risk-based capital ratio | 14.8250% | 3,679 |
| Memoranda: | ||
| Average total assets | $156,155,400 | 3,782 |
| Average earning assets | $143,255,600 | 3,779 |
| Average equity | $15,899,000 | 3,948 |
| Average total loans | $112,998,600 | 3,615 |